Home > The First Commonwealth Bank of Prestonsburg, Inc. > Performance and Condition Ratios
The First Commonwealth Bank of Prestonsburg, Inc., Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8632% | 4,614 |
| Cost of funding earning assets | 0.5080% | 4,025 |
| Net interest margin | 3.3552% | 4,020 |
| Noninterest income to average assets | 0.9735% | 873 |
| Noninterest expense to average assets | 3.4345% | 1,064 |
| Loan and lease loss provision to assets | 0.0793% | 2,105 |
| Net operating income to assets | 0.5746% | 4,318 |
| Return on assets (ROA) | 0.5786% | 4,341 |
| Pretax return on assets | 0.5786% | 4,554 |
| Return on Equity (ROE) | 5.1281% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.1281% | 2,850 |
| Net charge-offs to loans | 0.0723% | 1,339 |
| Credit loss provision to net charge-offs | 240.0000% | 948 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 1,582 |
| Efficiency ratio | 82.5202% | 827 |
| Assets per employee ($millions) | 3.3083% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 1,959 |
| Loan loss allowance to noncurrent loans | 201.7798% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 2,639 |
| Noncurrent loans to loans | 0.6587% | 2,369 |
| Net loans and leases to total assets | 45.2293% | 4,692 |
| Net loans and leases to deposits | 56.2523% | 4,586 |
| Net loans and leases to core deposits | 59.4283% | 4,592 |
| Total domestic deposits to total assets | 80.4044% | 4,094 |
| Equity capital to assets | 11.8578% | 2,112 |
| Core capital (leverage) ratio | 11.8171% | 1,894 |
| Tier 1 risk-based capital ratio | 22.9741% | 938 |
| Total risk-based capital ratio | 24.1573% | 926 |
| Memoranda: | ||
| Average total assets | $302,812,500 | 2,187 |
| Average earning assets | $281,116,000 | 2,171 |
| Average equity | $34,164,500 | 2,181 |
| Average total loans | $138,303,000 | 2,811 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 4,328 |
| Cost of funding earning assets | 0.4365% | 3,762 |
| Net interest margin | 3.4379% | 3,887 |
| Noninterest income to average assets | 0.9399% | 1,082 |
| Noninterest expense to average assets | 2.8753% | 2,436 |
| Loan and lease loss provision to assets | 0.0865% | 2,410 |
| Net operating income to assets | 1.1751% | 2,288 |
| Return on assets (ROA) | 1.1274% | 2,488 |
| Pretax return on assets | 1.1274% | 3,181 |
| Return on Equity (ROE) | 10.9552% | 2,101 |
| Retained earnings to average equity (ytd only) | 0.0778% | 4,966 |
| Net charge-offs to loans | 0.1389% | 1,367 |
| Credit loss provision to net charge-offs | 137.0558% | 1,958 |
| Earnings coverage of net charge-offs (x) | 19.9898% | 2,026 |
| Efficiency ratio | 68.0709% | 2,532 |
| Assets per employee ($millions) | 3.2071% | 4,827 |
| Cash dividends to net income (ytd only)* | 99.2896% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,196 |
| Loan loss allowance to noncurrent loans | 142.0927% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 2,237 |
| Noncurrent loans to loans | 0.8935% | 1,802 |
| Net loans and leases to total assets | 44.9347% | 4,783 |
| Net loans and leases to deposits | 57.9754% | 4,578 |
| Net loans and leases to core deposits | 61.0819% | 4,583 |
| Total domestic deposits to total assets | 77.5065% | 4,560 |
| Equity capital to assets | 10.7259% | 2,950 |
| Core capital (leverage) ratio | 11.3658% | 2,207 |
| Tier 1 risk-based capital ratio | 21.6895% | 1,068 |
| Total risk-based capital ratio | 22.8015% | 1,067 |
| Memoranda: | ||
| Average total assets | $312,145,000 | 2,079 |
| Average earning assets | $290,261,600 | 2,074 |
| Average equity | $32,121,800 | 2,205 |
| Average total loans | $141,835,000 | 2,747 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 4,321 |
| Cost of funding earning assets | 0.4084% | 3,801 |
| Net interest margin | 3.4408% | 3,890 |
| Noninterest income to average assets | 0.9012% | 1,198 |
| Noninterest expense to average assets | 2.8717% | 2,390 |
| Loan and lease loss provision to assets | 0.0894% | 2,187 |
| Net operating income to assets | 1.1391% | 2,496 |
| Return on assets (ROA) | 1.1455% | 2,469 |
| Pretax return on assets | 1.1455% | 3,214 |
| Return on Equity (ROE) | 11.2486% | 2,071 |
| Retained earnings to average equity (ytd only) | -0.3720% | 5,087 |
| Net charge-offs to loans | 0.1350% | 1,199 |
| Credit loss provision to net charge-offs | 145.8333% | 1,748 |
| Earnings coverage of net charge-offs (x) | 20.0411% | 1,968 |
| Efficiency ratio | 68.5943% | 2,424 |
| Assets per employee ($millions) | 3.2584% | 4,827 |
| Cash dividends to net income (ytd only)* | 103.3072% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,231 |
| Loan loss allowance to noncurrent loans | 142.6731% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 2,368 |
| Noncurrent loans to loans | 0.8929% | 1,910 |
| Net loans and leases to total assets | 44.3607% | 4,873 |
| Net loans and leases to deposits | 55.7451% | 4,761 |
| Net loans and leases to core deposits | 58.6867% | 4,753 |
| Total domestic deposits to total assets | 79.5777% | 4,203 |
| Equity capital to assets | 9.7358% | 3,886 |
| Core capital (leverage) ratio | 11.2473% | 2,381 |
| Tier 1 risk-based capital ratio | 21.5996% | 1,104 |
| Total risk-based capital ratio | 22.7028% | 1,106 |
| Memoranda: | ||
| Average total assets | $313,211,250 | 2,086 |
| Average earning assets | $291,202,750 | 2,084 |
| Average equity | $31,896,500 | 2,225 |
| Average total loans | $142,262,750 | 2,756 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7770% | 4,398 |
| Cost of funding earning assets | 0.3808% | 3,865 |
| Net interest margin | 3.3962% | 3,963 |
| Noninterest income to average assets | 0.7925% | 1,494 |
| Noninterest expense to average assets | 2.9208% | 2,289 |
| Loan and lease loss provision to assets | 0.0954% | 2,022 |
| Net operating income to assets | 0.9363% | 3,300 |
| Return on assets (ROA) | 0.9458% | 3,260 |
| Pretax return on assets | 0.9458% | 3,823 |
| Return on Equity (ROE) | 9.1556% | 2,951 |
| Retained earnings to average equity (ytd only) | -1.1883% | 5,089 |
| Net charge-offs to loans | 0.1005% | 1,349 |
| Credit loss provision to net charge-offs | 208.3333% | 1,268 |
| Earnings coverage of net charge-offs (x) | 22.5278% | 1,741 |
| Efficiency ratio | 72.4010% | 1,933 |
| Assets per employee ($millions) | 3.2722% | 4,849 |
| Cash dividends to net income (ytd only)* | 112.9792% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,328 |
| Loan loss allowance to noncurrent loans | 70.8383% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0249% | 1,468 |
| Noncurrent loans to loans | 1.7916% | 870 |
| Net loans and leases to total assets | 44.6207% | 4,880 |
| Net loans and leases to deposits | 55.6569% | 4,772 |
| Net loans and leases to core deposits | 58.5402% | 4,766 |
| Total domestic deposits to total assets | 80.1710% | 4,198 |
| Equity capital to assets | 10.0071% | 3,610 |
| Core capital (leverage) ratio | 11.2222% | 2,325 |
| Tier 1 risk-based capital ratio | 21.4964% | 1,102 |
| Total risk-based capital ratio | 22.6065% | 1,102 |
| Memoranda: | ||
| Average total assets | $314,432,000 | 2,099 |
| Average earning assets | $292,563,000 | 2,084 |
| Average equity | $32,483,000 | 2,198 |
| Average total loans | $143,320,330 | 2,759 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,407 |
| Cost of funding earning assets | 0.3613% | 3,900 |
| Net interest margin | 3.3687% | 3,994 |
| Noninterest income to average assets | 0.5098% | 2,747 |
| Noninterest expense to average assets | 2.9385% | 2,229 |
| Loan and lease loss provision to assets | 0.0949% | 1,928 |
| Net operating income to assets | 0.6135% | 4,382 |
| Return on assets (ROA) | 0.6439% | 4,312 |
| Pretax return on assets | 0.6439% | 4,578 |
| Return on Equity (ROE) | 6.1380% | 4,112 |
| Retained earnings to average equity (ytd only) | -3.5091% | 5,116 |
| Net charge-offs to loans | 0.1023% | 1,171 |
| Credit loss provision to net charge-offs | 202.7027% | 1,036 |
| Earnings coverage of net charge-offs (x) | 15.1351% | 1,678 |
| Efficiency ratio | 78.9455% | 1,261 |
| Assets per employee ($millions) | 3.1412% | 5,053 |
| Cash dividends to net income (ytd only)* | 157.1709% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,614 |
| Loan loss allowance to noncurrent loans | 61.4220% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 1,379 |
| Noncurrent loans to loans | 2.0076% | 792 |
| Net loans and leases to total assets | 44.9436% | 4,851 |
| Net loans and leases to deposits | 54.7808% | 4,759 |
| Net loans and leases to core deposits | 57.7834% | 4,764 |
| Total domestic deposits to total assets | 82.0426% | 3,950 |
| Equity capital to assets | 10.1353% | 3,468 |
| Core capital (leverage) ratio | 10.9704% | 2,469 |
| Tier 1 risk-based capital ratio | 21.2231% | 1,173 |
| Total risk-based capital ratio | 22.3014% | 1,173 |
| Memoranda: | ||
| Average total assets | $316,219,000 | 2,096 |
| Average earning assets | $294,479,000 | 2,096 |
| Average equity | $33,170,500 | 2,178 |
| Average total loans | $144,735,500 | 2,748 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 4,080 |
| Cost of funding earning assets | 0.3568% | 3,647 |
| Net interest margin | 3.4341% | 3,738 |
| Noninterest income to average assets | 0.9706% | 1,089 |
| Noninterest expense to average assets | 2.9309% | 2,345 |
| Loan and lease loss provision to assets | 0.1540% | 1,466 |
| Net operating income to assets | 1.0838% | 1,915 |
| Return on assets (ROA) | 1.1807% | 1,600 |
| Pretax return on assets | 1.1807% | 2,846 |
| Return on Equity (ROE) | 10.8995% | 1,526 |
| Retained earnings to average equity (ytd only) | 0.2414% | 4,926 |
| Net charge-offs to loans | 0.3071% | 835 |
| Credit loss provision to net charge-offs | 110.0228% | 2,371 |
| Earnings coverage of net charge-offs (x) | 8.8428% | 2,859 |
| Efficiency ratio | 68.9919% | 2,703 |
| Assets per employee ($millions) | 3.3485% | 4,880 |
| Cash dividends to net income (ytd only)* | 97.7856% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,039 |
| Loan loss allowance to noncurrent loans | 56.5462% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.1535% | 1,291 |
| Noncurrent loans to loans | 2.0391% | 741 |
| Net loans and leases to total assets | 45.4972% | 4,913 |
| Net loans and leases to deposits | 57.1834% | 4,738 |
| Net loans and leases to core deposits | 60.2905% | 4,744 |
| Total domestic deposits to total assets | 79.5637% | 4,431 |
| Equity capital to assets | 10.8326% | 2,801 |
| Core capital (leverage) ratio | 10.8226% | 2,510 |
| Tier 1 risk-based capital ratio | 20.9496% | 1,153 |
| Total risk-based capital ratio | 21.9761% | 1,164 |
| Memoranda: | ||
| Average total assets | $313,619,400 | 2,096 |
| Average earning assets | $292,070,400 | 2,085 |
| Average equity | $33,974,000 | 2,133 |
| Average total loans | $142,964,600 | 2,736 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7584% | 4,147 |
| Cost of funding earning assets | 0.3616% | 3,541 |
| Net interest margin | 3.3968% | 3,857 |
| Noninterest income to average assets | 1.0220% | 985 |
| Noninterest expense to average assets | 2.9523% | 2,244 |
| Loan and lease loss provision to assets | 0.1617% | 1,268 |
| Net operating income to assets | 1.0708% | 2,225 |
| Return on assets (ROA) | 1.1833% | 1,806 |
| Pretax return on assets | 1.1833% | 2,973 |
| Return on Equity (ROE) | 10.9233% | 1,734 |
| Retained earnings to average equity (ytd only) | 2.1523% | 4,570 |
| Net charge-offs to loans | 0.2860% | 754 |
| Credit loss provision to net charge-offs | 124.3421% | 1,951 |
| Earnings coverage of net charge-offs (x) | 9.4771% | 2,688 |
| Efficiency ratio | 69.2803% | 2,657 |
| Assets per employee ($millions) | 3.2995% | 4,966 |
| Cash dividends to net income (ytd only)* | 80.2964% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 3,189 |
| Loan loss allowance to noncurrent loans | 59.1482% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 1,443 |
| Noncurrent loans to loans | 1.9470% | 883 |
| Net loans and leases to total assets | 45.6179% | 4,957 |
| Net loans and leases to deposits | 58.7675% | 4,696 |
| Net loans and leases to core deposits | 61.9900% | 4,708 |
| Total domestic deposits to total assets | 77.6244% | 4,782 |
| Equity capital to assets | 11.2605% | 2,608 |
| Core capital (leverage) ratio | 10.7814% | 2,661 |
| Tier 1 risk-based capital ratio | 20.9453% | 1,203 |
| Total risk-based capital ratio | 21.9774% | 1,212 |
| Memoranda: | ||
| Average total assets | $311,660,000 | 2,121 |
| Average earning assets | $290,190,750 | 2,110 |
| Average equity | $33,762,000 | 2,153 |
| Average total loans | $141,715,750 | 2,778 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 4,533 |
| Cost of funding earning assets | 0.3447% | 3,637 |
| Net interest margin | 3.2473% | 4,274 |
| Noninterest income to average assets | 1.0278% | 961 |
| Noninterest expense to average assets | 2.8761% | 2,496 |
| Loan and lease loss provision to assets | 0.1780% | 1,075 |
| Net operating income to assets | 0.9965% | 2,444 |
| Return on assets (ROA) | 1.1407% | 1,875 |
| Pretax return on assets | 1.1407% | 3,007 |
| Return on Equity (ROE) | 10.6792% | 1,768 |
| Retained earnings to average equity (ytd only) | 1.6974% | 4,579 |
| Net charge-offs to loans | 0.3677% | 555 |
| Credit loss provision to net charge-offs | 107.0588% | 1,923 |
| Earnings coverage of net charge-offs (x) | 7.0627% | 2,645 |
| Efficiency ratio | 69.6989% | 2,721 |
| Assets per employee ($millions) | 3.1877% | 5,113 |
| Cash dividends to net income (ytd only)* | 84.1052% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,706 |
| Loan loss allowance to noncurrent loans | 43.1544% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 1,271 |
| Noncurrent loans to loans | 2.4966% | 604 |
| Net loans and leases to total assets | 45.6519% | 4,961 |
| Net loans and leases to deposits | 59.4490% | 4,670 |
| Net loans and leases to core deposits | 62.7582% | 4,679 |
| Total domestic deposits to total assets | 76.7917% | 4,991 |
| Equity capital to assets | 10.9304% | 2,891 |
| Core capital (leverage) ratio | 10.5139% | 2,895 |
| Tier 1 risk-based capital ratio | 20.1774% | 1,333 |
| Total risk-based capital ratio | 21.1428% | 1,354 |
| Memoranda: | ||
| Average total assets | $306,664,670 | 2,153 |
| Average earning assets | $285,467,330 | 2,142 |
| Average equity | $32,755,330 | 2,195 |
| Average total loans | $138,706,000 | 2,823 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 4,288 |
| Cost of funding earning assets | 0.3533% | 3,491 |
| Net interest margin | 3.2940% | 4,025 |
| Noninterest income to average assets | 0.8109% | 1,516 |
| Noninterest expense to average assets | 2.8820% | 2,513 |
| Loan and lease loss provision to assets | 0.1251% | 1,537 |
| Net operating income to assets | 0.8658% | 2,922 |
| Return on assets (ROA) | 1.0005% | 2,349 |
| Pretax return on assets | 1.0005% | 3,369 |
| Return on Equity (ROE) | 9.4957% | 2,188 |
| Retained earnings to average equity (ytd only) | 0.0913% | 4,892 |
| Net charge-offs to loans | 0.3413% | 538 |
| Credit loss provision to net charge-offs | 81.9820% | 1,748 |
| Earnings coverage of net charge-offs (x) | 6.4955% | 2,213 |
| Efficiency ratio | 72.9595% | 2,411 |
| Assets per employee ($millions) | 3.2164% | 5,144 |
| Cash dividends to net income (ytd only)* | 99.0385% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,714 |
| Loan loss allowance to noncurrent loans | 51.7654% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 1,354 |
| Noncurrent loans to loans | 2.4445% | 649 |
| Net loans and leases to total assets | 44.2586% | 5,023 |
| Net loans and leases to deposits | 57.2330% | 4,749 |
| Net loans and leases to core deposits | 60.1371% | 4,769 |
| Total domestic deposits to total assets | 77.3306% | 5,070 |
| Equity capital to assets | 10.6823% | 2,981 |
| Core capital (leverage) ratio | 10.8277% | 2,573 |
| Tier 1 risk-based capital ratio | 21.1126% | 1,208 |
| Total risk-based capital ratio | 22.2188% | 1,198 |
| Memoranda: | ||
| Average total assets | $291,051,000 | 2,254 |
| Average earning assets | $270,555,000 | 2,246 |
| Average equity | $30,666,500 | 2,321 |
| Average total loans | $130,092,000 | 2,956 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 4,352 |
| Cost of funding earning assets | 0.3559% | 3,455 |
| Net interest margin | 3.3002% | 4,145 |
| Noninterest income to average assets | 1.0358% | 1,054 |
| Noninterest expense to average assets | 2.8810% | 2,738 |
| Loan and lease loss provision to assets | 0.0900% | 2,566 |
| Net operating income to assets | 1.1289% | 1,780 |
| Return on assets (ROA) | 1.3840% | 1,082 |
| Pretax return on assets | 1.3840% | 2,001 |
| Return on Equity (ROE) | 11.9715% | 1,253 |
| Retained earnings to average equity (ytd only) | 0.8741% | 4,972 |
| Net charge-offs to loans | 0.2119% | 1,312 |
| Credit loss provision to net charge-offs | 93.1034% | 2,743 |
| Earnings coverage of net charge-offs (x) | 12.6034% | 2,434 |
| Efficiency ratio | 68.8629% | 3,097 |
| Assets per employee ($millions) | 3.2156% | 5,134 |
| Cash dividends to net income (ytd only)* | 92.6988% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,683 |
| Loan loss allowance to noncurrent loans | 53.4233% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2378% | 1,447 |
| Noncurrent loans to loans | 2.3853% | 674 |
| Net loans and leases to total assets | 44.0022% | 5,121 |
| Net loans and leases to deposits | 57.7689% | 4,808 |
| Net loans and leases to core deposits | 60.8370% | 4,819 |
| Total domestic deposits to total assets | 76.1694% | 5,226 |
| Equity capital to assets | 10.3922% | 3,284 |
| Core capital (leverage) ratio | 10.7039% | 2,653 |
| Tier 1 risk-based capital ratio | 20.9355% | 1,221 |
| Total risk-based capital ratio | 22.0469% | 1,219 |
| Memoranda: | ||
| Average total assets | $299,856,000 | 2,166 |
| Average earning assets | $278,410,600 | 2,164 |
| Average equity | $34,665,800 | 2,096 |
| Average total loans | $136,858,200 | 2,817 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 4,377 |
| Cost of funding earning assets | 0.3603% | 3,427 |
| Net interest margin | 3.2973% | 4,195 |
| Noninterest income to average assets | 1.0722% | 984 |
| Noninterest expense to average assets | 2.7447% | 3,192 |
| Loan and lease loss provision to assets | 0.0796% | 2,625 |
| Net operating income to assets | 1.3096% | 1,261 |
| Return on assets (ROA) | 1.6079% | 758 |
| Pretax return on assets | 1.6079% | 1,360 |
| Return on Equity (ROE) | 13.5757% | 895 |
| Retained earnings to average equity (ytd only) | 5.1907% | 2,701 |
| Net charge-offs to loans | 0.2244% | 1,046 |
| Credit loss provision to net charge-offs | 77.2532% | 2,699 |
| Earnings coverage of net charge-offs (x) | 13.4892% | 2,308 |
| Efficiency ratio | 65.0166% | 3,761 |
| Assets per employee ($millions) | 3.2464% | 5,114 |
| Cash dividends to net income (ytd only)* | 61.7647% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 3,172 |
| Loan loss allowance to noncurrent loans | 274.2424% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 4,050 |
| Noncurrent loans to loans | 0.4414% | 3,699 |
| Net loans and leases to total assets | 44.5110% | 5,160 |
| Net loans and leases to deposits | 60.5785% | 4,714 |
| Net loans and leases to core deposits | 64.1857% | 4,720 |
| Total domestic deposits to total assets | 73.4766% | 5,480 |
| Equity capital to assets | 12.2767% | 1,919 |
| Core capital (leverage) ratio | 10.8996% | 2,565 |
| Tier 1 risk-based capital ratio | 21.2213% | 1,230 |
| Total risk-based capital ratio | 22.2893% | 1,246 |
| Memoranda: | ||
| Average total assets | $301,664,000 | 2,166 |
| Average earning assets | $280,098,000 | 2,161 |
| Average equity | $35,729,750 | 2,047 |
| Average total loans | $138,467,000 | 2,805 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6294% | 4,508 |
| Cost of funding earning assets | 0.3604% | 3,444 |
| Net interest margin | 3.2690% | 4,329 |
| Noninterest income to average assets | 0.9932% | 1,132 |
| Noninterest expense to average assets | 2.7443% | 3,223 |
| Loan and lease loss provision to assets | 0.0793% | 2,553 |
| Net operating income to assets | 1.2027% | 1,587 |
| Return on assets (ROA) | 1.5509% | 846 |
| Pretax return on assets | 1.5509% | 1,524 |
| Return on Equity (ROE) | 13.2534% | 968 |
| Retained earnings to average equity (ytd only) | 5.4154% | 2,473 |
| Net charge-offs to loans | 0.2662% | 903 |
| Credit loss provision to net charge-offs | 64.5161% | 2,524 |
| Earnings coverage of net charge-offs (x) | 10.4301% | 2,338 |
| Efficiency ratio | 66.7487% | 3,572 |
| Assets per employee ($millions) | 3.2698% | 5,114 |
| Cash dividends to net income (ytd only)* | 59.1393% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,478 |
| Loan loss allowance to noncurrent loans | 214.8936% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 3,216 |
| Noncurrent loans to loans | 0.5483% | 3,422 |
| Net loans and leases to total assets | 44.5724% | 5,198 |
| Net loans and leases to deposits | 61.9012% | 4,662 |
| Net loans and leases to core deposits | 65.7607% | 4,622 |
| Total domestic deposits to total assets | 72.0057% | 5,669 |
| Equity capital to assets | 12.1578% | 2,008 |
| Core capital (leverage) ratio | 10.6843% | 2,752 |
| Tier 1 risk-based capital ratio | 20.8335% | 1,291 |
| Total risk-based capital ratio | 21.8885% | 1,304 |
| Memoranda: | ||
| Average total assets | $302,661,330 | 2,165 |
| Average earning assets | $280,816,000 | 2,168 |
| Average equity | $35,417,330 | 2,067 |
| Average total loans | $139,765,670 | 2,794 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5385% | 4,788 |
| Cost of funding earning assets | 0.3624% | 3,478 |
| Net interest margin | 3.1761% | 4,651 |
| Noninterest income to average assets | 1.0465% | 990 |
| Noninterest expense to average assets | 2.7157% | 3,361 |
| Loan and lease loss provision to assets | 0.0795% | 2,368 |
| Net operating income to assets | 1.2002% | 1,560 |
| Return on assets (ROA) | 1.6506% | 677 |
| Pretax return on assets | 1.6506% | 1,179 |
| Return on Equity (ROE) | 14.3878% | 765 |
| Retained earnings to average equity (ytd only) | 6.3740% | 2,196 |
| Net charge-offs to loans | 0.0595% | 1,910 |
| Credit loss provision to net charge-offs | 285.7143% | 877 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 934 |
| Efficiency ratio | 66.5451% | 3,709 |
| Assets per employee ($millions) | 3.4107% | 4,953 |
| Cash dividends to net income (ytd only)* | 55.6982% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 3,290 |
| Loan loss allowance to noncurrent loans | 202.7091% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 3,417 |
| Noncurrent loans to loans | 0.6081% | 3,351 |
| Net loans and leases to total assets | 45.9416% | 5,119 |
| Net loans and leases to deposits | 61.3417% | 4,626 |
| Net loans and leases to core deposits | 65.0621% | 4,615 |
| Total domestic deposits to total assets | 74.8945% | 5,530 |
| Equity capital to assets | 11.7648% | 2,183 |
| Core capital (leverage) ratio | 10.6097% | 2,839 |
| Tier 1 risk-based capital ratio | 20.8605% | 1,338 |
| Total risk-based capital ratio | 22.0011% | 1,327 |
| Memoranda: | ||
| Average total assets | $301,945,000 | 2,171 |
| Average earning assets | $280,345,000 | 2,176 |
| Average equity | $34,640,500 | 2,106 |
| Average total loans | $141,069,500 | 2,761 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 4,554 |
| Cost of funding earning assets | 0.3666% | 3,517 |
| Net interest margin | 3.2743% | 4,395 |
| Noninterest income to average assets | 0.9067% | 1,427 |
| Noninterest expense to average assets | 2.7303% | 3,483 |
| Loan and lease loss provision to assets | 0.1040% | 2,246 |
| Net operating income to assets | 1.1111% | 1,874 |
| Return on assets (ROA) | 1.1845% | 1,685 |
| Pretax return on assets | 1.1845% | 2,716 |
| Return on Equity (ROE) | 10.5108% | 1,799 |
| Retained earnings to average equity (ytd only) | -0.5041% | 5,595 |
| Net charge-offs to loans | 0.1917% | 1,513 |
| Credit loss provision to net charge-offs | 113.7184% | 2,237 |
| Earnings coverage of net charge-offs (x) | 13.2816% | 2,384 |
| Efficiency ratio | 67.8275% | 3,596 |
| Assets per employee ($millions) | 3.3750% | 5,032 |
| Cash dividends to net income (ytd only)* | 104.7964% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 3,588 |
| Loan loss allowance to noncurrent loans | 195.3542% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 3,688 |
| Noncurrent loans to loans | 0.6041% | 3,357 |
| Net loans and leases to total assets | 46.3694% | 5,130 |
| Net loans and leases to deposits | 62.7636% | 4,571 |
| Net loans and leases to core deposits | 66.2686% | 4,570 |
| Total domestic deposits to total assets | 73.8793% | 5,663 |
| Equity capital to assets | 11.1836% | 2,646 |
| Core capital (leverage) ratio | 10.4273% | 3,025 |
| Tier 1 risk-based capital ratio | 20.0151% | 1,479 |
| Total risk-based capital ratio | 21.0988% | 1,481 |
| Memoranda: | ||
| Average total assets | $302,753,800 | 2,132 |
| Average earning assets | $280,971,800 | 2,130 |
| Average equity | $34,117,400 | 2,087 |
| Average total loans | $144,487,800 | 2,675 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,575 |
| Cost of funding earning assets | 0.3711% | 3,537 |
| Net interest margin | 3.2791% | 4,429 |
| Noninterest income to average assets | 0.9238% | 1,387 |
| Noninterest expense to average assets | 2.7609% | 3,342 |
| Loan and lease loss provision to assets | 0.1124% | 2,007 |
| Net operating income to assets | 1.0922% | 2,048 |
| Return on assets (ROA) | 1.1416% | 1,923 |
| Pretax return on assets | 1.1416% | 3,048 |
| Return on Equity (ROE) | 10.1107% | 2,061 |
| Retained earnings to average equity (ytd only) | -1.8465% | 5,843 |
| Net charge-offs to loans | 0.1655% | 1,493 |
| Credit loss provision to net charge-offs | 141.6667% | 1,755 |
| Earnings coverage of net charge-offs (x) | 15.1836% | 2,198 |
| Efficiency ratio | 68.0671% | 3,525 |
| Assets per employee ($millions) | 3.3163% | 5,097 |
| Cash dividends to net income (ytd only)* | 118.2625% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,668 |
| Loan loss allowance to noncurrent loans | 120.5470% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 3,602 |
| Noncurrent loans to loans | 0.9943% | 2,499 |
| Net loans and leases to total assets | 46.9521% | 5,154 |
| Net loans and leases to deposits | 63.4664% | 4,602 |
| Net loans and leases to core deposits | 66.7806% | 4,636 |
| Total domestic deposits to total assets | 73.9796% | 5,713 |
| Equity capital to assets | 11.3842% | 2,600 |
| Core capital (leverage) ratio | 10.3224% | 3,231 |
| Tier 1 risk-based capital ratio | 19.8877% | 1,581 |
| Total risk-based capital ratio | 20.9994% | 1,576 |
| Memoranda: | ||
| Average total assets | $302,505,250 | 2,148 |
| Average earning assets | $280,602,250 | 2,143 |
| Average equity | $34,154,250 | 2,095 |
| Average total loans | $144,977,750 | 2,681 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 4,565 |
| Cost of funding earning assets | 0.3718% | 3,578 |
| Net interest margin | 3.2818% | 4,367 |
| Noninterest income to average assets | 0.9652% | 1,261 |
| Noninterest expense to average assets | 2.7746% | 3,335 |
| Loan and lease loss provision to assets | 0.1288% | 1,723 |
| Net operating income to assets | 1.1118% | 1,901 |
| Return on assets (ROA) | 1.1852% | 1,717 |
| Pretax return on assets | 1.1852% | 2,836 |
| Return on Equity (ROE) | 10.5260% | 1,839 |
| Retained earnings to average equity (ytd only) | -3.1977% | 5,931 |
| Net charge-offs to loans | 0.1388% | 1,668 |
| Credit loss provision to net charge-offs | 193.0693% | 1,274 |
| Earnings coverage of net charge-offs (x) | 18.5941% | 1,800 |
| Efficiency ratio | 67.5551% | 3,736 |
| Assets per employee ($millions) | 3.0836% | 5,494 |
| Cash dividends to net income (ytd only)* | 130.3790% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 3,763 |
| Loan loss allowance to noncurrent loans | 144.5923% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 3,901 |
| Noncurrent loans to loans | 0.8335% | 3,037 |
| Net loans and leases to total assets | 47.6358% | 5,137 |
| Net loans and leases to deposits | 63.7251% | 4,559 |
| Net loans and leases to core deposits | 67.0619% | 4,566 |
| Total domestic deposits to total assets | 74.7520% | 5,728 |
| Equity capital to assets | 11.0386% | 2,846 |
| Core capital (leverage) ratio | 10.1669% | 3,379 |
| Tier 1 risk-based capital ratio | 20.2976% | 1,483 |
| Total risk-based capital ratio | 21.4475% | 1,484 |
| Memoranda: | ||
| Average total assets | $302,745,000 | 2,168 |
| Average earning assets | $281,366,670 | 2,154 |
| Average equity | $34,087,000 | 2,110 |
| Average total loans | $145,499,000 | 2,675 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 4,491 |
| Cost of funding earning assets | 0.3687% | 3,663 |
| Net interest margin | 3.2939% | 4,248 |
| Noninterest income to average assets | 1.0940% | 947 |
| Noninterest expense to average assets | 2.7291% | 3,488 |
| Loan and lease loss provision to assets | 0.1379% | 1,491 |
| Net operating income to assets | 1.2897% | 1,309 |
| Return on assets (ROA) | 1.2897% | 1,394 |
| Pretax return on assets | 1.2897% | 2,332 |
| Return on Equity (ROE) | 11.3454% | 1,537 |
| Retained earnings to average equity (ytd only) | -5.3492% | 5,959 |
| Net charge-offs to loans | 0.2080% | 1,110 |
| Credit loss provision to net charge-offs | 138.1579% | 1,319 |
| Earnings coverage of net charge-offs (x) | 14.3026% | 1,681 |
| Efficiency ratio | 64.1706% | 4,451 |
| Assets per employee ($millions) | 3.3613% | 5,149 |
| Cash dividends to net income (ytd only)* | 147.1487% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 4,293 |
| Loan loss allowance to noncurrent loans | 138.7231% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 4,069 |
| Noncurrent loans to loans | 0.8245% | 3,182 |
| Net loans and leases to total assets | 47.2720% | 5,103 |
| Net loans and leases to deposits | 62.7184% | 4,506 |
| Net loans and leases to core deposits | 65.7832% | 4,536 |
| Total domestic deposits to total assets | 75.3718% | 5,798 |
| Equity capital to assets | 11.4247% | 2,533 |
| Core capital (leverage) ratio | 10.2354% | 3,297 |
| Tier 1 risk-based capital ratio | 19.6506% | 1,699 |
| Total risk-based capital ratio | 20.7205% | 1,700 |
| Memoranda: | ||
| Average total assets | $304,565,000 | 2,170 |
| Average earning assets | $283,191,500 | 2,155 |
| Average equity | $34,622,000 | 2,091 |
| Average total loans | $146,139,000 | 2,674 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,627 |
| Cost of funding earning assets | 0.3542% | 4,209 |
| Net interest margin | 3.4030% | 4,188 |
| Noninterest income to average assets | 0.9053% | 1,489 |
| Noninterest expense to average assets | 2.6369% | 4,101 |
| Loan and lease loss provision to assets | 0.1003% | 2,482 |
| Net operating income to assets | 1.3251% | 1,252 |
| Return on assets (ROA) | 1.3913% | 1,134 |
| Pretax return on assets | 1.3913% | 1,915 |
| Return on Equity (ROE) | 12.5502% | 1,253 |
| Retained earnings to average equity (ytd only) | -0.2895% | 5,816 |
| Net charge-offs to loans | 0.2149% | 1,947 |
| Credit loss provision to net charge-offs | 97.4026% | 2,492 |
| Earnings coverage of net charge-offs (x) | 13.8442% | 2,234 |
| Efficiency ratio | 63.2653% | 4,712 |
| Assets per employee ($millions) | 3.4073% | 5,041 |
| Cash dividends to net income (ytd only)* | 102.3066% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 4,411 |
| Loan loss allowance to noncurrent loans | 119.7378% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 3,904 |
| Noncurrent loans to loans | 0.9404% | 2,971 |
| Net loans and leases to total assets | 47.6061% | 5,189 |
| Net loans and leases to deposits | 63.2392% | 4,607 |
| Net loans and leases to core deposits | 66.4450% | 4,636 |
| Total domestic deposits to total assets | 75.2794% | 5,823 |
| Equity capital to assets | 11.3102% | 2,597 |
| Core capital (leverage) ratio | 10.3032% | 3,166 |
| Tier 1 risk-based capital ratio | 19.7207% | 1,657 |
| Total risk-based capital ratio | 20.7811% | 1,684 |
| Memoranda: | ||
| Average total assets | $299,136,400 | 2,163 |
| Average earning assets | $277,523,800 | 2,152 |
| Average equity | $33,162,800 | 2,097 |
| Average total loans | $143,335,200 | 2,664 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 4,613 |
| Cost of funding earning assets | 0.3456% | 4,389 |
| Net interest margin | 3.4354% | 4,092 |
| Noninterest income to average assets | 0.9111% | 1,494 |
| Noninterest expense to average assets | 2.6741% | 3,923 |
| Loan and lease loss provision to assets | 0.1006% | 2,358 |
| Net operating income to assets | 1.3243% | 1,301 |
| Return on assets (ROA) | 1.3592% | 1,269 |
| Pretax return on assets | 1.3592% | 2,158 |
| Return on Equity (ROE) | 12.3237% | 1,391 |
| Retained earnings to average equity (ytd only) | -1.1111% | 5,978 |
| Net charge-offs to loans | 0.2533% | 1,528 |
| Credit loss provision to net charge-offs | 83.0258% | 2,542 |
| Earnings coverage of net charge-offs (x) | 11.7566% | 2,379 |
| Efficiency ratio | 63.6007% | 4,614 |
| Assets per employee ($millions) | 3.4762% | 4,905 |
| Cash dividends to net income (ytd only)* | 109.0160% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 4,644 |
| Loan loss allowance to noncurrent loans | 146.2659% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 4,546 |
| Noncurrent loans to loans | 0.7685% | 3,668 |
| Net loans and leases to total assets | 46.1827% | 5,361 |
| Net loans and leases to deposits | 62.1403% | 4,726 |
| Net loans and leases to core deposits | 65.4137% | 4,760 |
| Total domestic deposits to total assets | 74.3200% | 5,990 |
| Equity capital to assets | 10.9975% | 2,959 |
| Core capital (leverage) ratio | 10.2523% | 3,334 |
| Tier 1 risk-based capital ratio | 19.6201% | 1,755 |
| Total risk-based capital ratio | 20.6584% | 1,769 |
| Memoranda: | ||
| Average total assets | $298,108,250 | 2,183 |
| Average earning assets | $276,638,250 | 2,165 |
| Average equity | $32,879,000 | 2,121 |
| Average total loans | $142,666,750 | 2,689 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 4,430 |
| Cost of funding earning assets | 0.3468% | 4,467 |
| Net interest margin | 3.4778% | 3,866 |
| Noninterest income to average assets | 0.9042% | 1,486 |
| Noninterest expense to average assets | 2.7031% | 3,849 |
| Loan and lease loss provision to assets | 0.1015% | 2,327 |
| Net operating income to assets | 1.3231% | 1,242 |
| Return on assets (ROA) | 1.3570% | 1,214 |
| Pretax return on assets | 1.3570% | 2,052 |
| Return on Equity (ROE) | 12.2913% | 1,350 |
| Retained earnings to average equity (ytd only) | -2.2253% | 6,020 |
| Net charge-offs to loans | 0.1669% | 2,056 |
| Credit loss provision to net charge-offs | 126.0504% | 1,649 |
| Earnings coverage of net charge-offs (x) | 17.6891% | 1,719 |
| Efficiency ratio | 63.8465% | 4,712 |
| Assets per employee ($millions) | 3.3489% | 5,154 |
| Cash dividends to net income (ytd only)* | 118.1047% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 4,365 |
| Loan loss allowance to noncurrent loans | 133.2542% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 4,405 |
| Noncurrent loans to loans | 0.9104% | 3,440 |
| Net loans and leases to total assets | 47.0373% | 5,263 |
| Net loans and leases to deposits | 61.0933% | 4,777 |
| Net loans and leases to core deposits | 64.5018% | 4,768 |
| Total domestic deposits to total assets | 76.9926% | 5,802 |
| Equity capital to assets | 11.4914% | 2,434 |
| Core capital (leverage) ratio | 10.4091% | 3,074 |
| Tier 1 risk-based capital ratio | 20.2033% | 1,639 |
| Total risk-based capital ratio | 21.3289% | 1,639 |
| Memoranda: | ||
| Average total assets | $295,508,670 | 2,194 |
| Average earning assets | $273,907,670 | 2,182 |
| Average equity | $32,624,670 | 2,123 |
| Average total loans | $142,595,000 | 2,694 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 4,455 |
| Cost of funding earning assets | 0.3408% | 4,637 |
| Net interest margin | 3.4675% | 3,833 |
| Noninterest income to average assets | 0.8361% | 1,613 |
| Noninterest expense to average assets | 2.7152% | 3,887 |
| Loan and lease loss provision to assets | 0.1008% | 2,241 |
| Net operating income to assets | 1.2339% | 1,390 |
| Return on assets (ROA) | 1.2662% | 1,358 |
| Pretax return on assets | 1.2662% | 2,227 |
| Return on Equity (ROE) | 11.7031% | 1,491 |
| Retained earnings to average equity (ytd only) | -5.9758% | 6,181 |
| Net charge-offs to loans | 0.0498% | 2,683 |
| Credit loss provision to net charge-offs | 416.6667% | 634 |
| Earnings coverage of net charge-offs (x) | 55.1667% | 700 |
| Efficiency ratio | 65.3501% | 4,635 |
| Assets per employee ($millions) | 3.3627% | 5,225 |
| Cash dividends to net income (ytd only)* | 151.0616% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 4,652 |
| Loan loss allowance to noncurrent loans | 156.7890% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 4,691 |
| Noncurrent loans to loans | 0.7624% | 3,962 |
| Net loans and leases to total assets | 48.2878% | 5,088 |
| Net loans and leases to deposits | 62.0349% | 4,541 |
| Net loans and leases to core deposits | 65.5769% | 4,540 |
| Total domestic deposits to total assets | 77.8398% | 5,854 |
| Equity capital to assets | 11.1151% | 2,611 |
| Core capital (leverage) ratio | 10.2724% | 3,197 |
| Tier 1 risk-based capital ratio | 19.5041% | 1,833 |
| Total risk-based capital ratio | 20.6137% | 1,840 |
| Memoranda: | ||
| Average total assets | $297,584,000 | 2,190 |
| Average earning assets | $275,815,500 | 2,178 |
| Average equity | $32,196,500 | 2,140 |
| Average total loans | $144,527,500 | 2,671 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 4,485 |
| Cost of funding earning assets | 0.3434% | 5,209 |
| Net interest margin | 3.5505% | 3,680 |
| Noninterest income to average assets | 0.9166% | 1,624 |
| Noninterest expense to average assets | 2.6328% | 4,341 |
| Loan and lease loss provision to assets | 0.1078% | 2,997 |
| Net operating income to assets | 1.4415% | 935 |
| Return on assets (ROA) | 1.5509% | 780 |
| Pretax return on assets | 1.5509% | 1,297 |
| Return on Equity (ROE) | 13.7041% | 1,015 |
| Retained earnings to average equity (ytd only) | 0.5484% | 5,595 |
| Net charge-offs to loans | 0.1154% | 3,656 |
| Credit loss provision to net charge-offs | 195.2663% | 1,178 |
| Earnings coverage of net charge-offs (x) | 28.0651% | 1,248 |
| Efficiency ratio | 61.2669% | 5,318 |
| Assets per employee ($millions) | 3.4388% | 5,009 |
| Cash dividends to net income (ytd only)* | 95.9983% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 4,992 |
| Loan loss allowance to noncurrent loans | 196.4328% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 4,983 |
| Noncurrent loans to loans | 0.5757% | 4,543 |
| Net loans and leases to total assets | 47.7261% | 5,320 |
| Net loans and leases to deposits | 64.4757% | 4,462 |
| Net loans and leases to core deposits | 67.8976% | 4,527 |
| Total domestic deposits to total assets | 74.0218% | 6,279 |
| Equity capital to assets | 10.5333% | 3,106 |
| Core capital (leverage) ratio | 10.1223% | 3,397 |
| Tier 1 risk-based capital ratio | 20.4465% | 1,548 |
| Total risk-based capital ratio | 20.5015% | 1,813 |
| Memoranda: | ||
| Average total assets | $306,143,000 | 2,109 |
| Average earning assets | $281,568,600 | 2,101 |
| Average equity | $34,646,600 | 1,989 |
| Average total loans | $146,491,200 | 2,612 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9095% | 4,463 |
| Cost of funding earning assets | 0.3625% | 5,166 |
| Net interest margin | 3.5470% | 3,671 |
| Noninterest income to average assets | 0.9102% | 1,719 |
| Noninterest expense to average assets | 2.6121% | 4,352 |
| Loan and lease loss provision to assets | 0.1107% | 2,920 |
| Net operating income to assets | 1.4422% | 1,002 |
| Return on assets (ROA) | 1.5842% | 816 |
| Pretax return on assets | 1.5842% | 1,373 |
| Return on Equity (ROE) | 13.7633% | 1,049 |
| Retained earnings to average equity (ytd only) | -0.1962% | 5,976 |
| Net charge-offs to loans | 0.1000% | 3,548 |
| Credit loss provision to net charge-offs | 231.8182% | 1,044 |
| Earnings coverage of net charge-offs (x) | 32.5098% | 1,168 |
| Efficiency ratio | 61.1511% | 5,252 |
| Assets per employee ($millions) | 3.3782% | 5,109 |
| Cash dividends to net income (ytd only)* | 101.4254% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,213 |
| Loan loss allowance to noncurrent loans | 92.6387% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 4,260 |
| Noncurrent loans to loans | 1.2179% | 3,373 |
| Net loans and leases to total assets | 47.1534% | 5,429 |
| Net loans and leases to deposits | 63.1026% | 4,616 |
| Net loans and leases to core deposits | 66.9784% | 4,624 |
| Total domestic deposits to total assets | 74.7249% | 6,301 |
| Equity capital to assets | 10.6100% | 3,150 |
| Core capital (leverage) ratio | 10.0753% | 3,562 |
| Tier 1 risk-based capital ratio | 19.7094% | 1,811 |
| Total risk-based capital ratio | 20.7777% | 1,823 |
| Memoranda: | ||
| Average total assets | $307,025,750 | 2,104 |
| Average earning assets | $281,736,250 | 2,111 |
| Average equity | $35,339,500 | 1,965 |
| Average total loans | $146,594,750 | 2,626 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 4,238 |
| Cost of funding earning assets | 0.3832% | 5,103 |
| Net interest margin | 3.5835% | 3,436 |
| Noninterest income to average assets | 0.8707% | 1,922 |
| Noninterest expense to average assets | 2.6745% | 4,127 |
| Loan and lease loss provision to assets | 0.1169% | 2,862 |
| Net operating income to assets | 1.3584% | 1,172 |
| Return on assets (ROA) | 1.5376% | 904 |
| Pretax return on assets | 1.5376% | 1,517 |
| Return on Equity (ROE) | 13.0230% | 1,244 |
| Retained earnings to average equity (ytd only) | -1.2979% | 6,094 |
| Net charge-offs to loans | 0.0911% | 3,448 |
| Credit loss provision to net charge-offs | 268.6567% | 941 |
| Earnings coverage of net charge-offs (x) | 33.9104% | 1,046 |
| Efficiency ratio | 62.8853% | 5,035 |
| Assets per employee ($millions) | 3.4806% | 4,894 |
| Cash dividends to net income (ytd only)* | 109.9662% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 5,414 |
| Loan loss allowance to noncurrent loans | 132.0165% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 4,897 |
| Noncurrent loans to loans | 0.8386% | 4,237 |
| Net loans and leases to total assets | 46.7760% | 5,450 |
| Net loans and leases to deposits | 61.6788% | 4,780 |
| Net loans and leases to core deposits | 65.4125% | 4,750 |
| Total domestic deposits to total assets | 75.8381% | 6,266 |
| Equity capital to assets | 10.8500% | 2,895 |
| Core capital (leverage) ratio | 9.8298% | 3,752 |
| Tier 1 risk-based capital ratio | 19.2166% | 1,934 |
| Total risk-based capital ratio | 20.2466% | 1,957 |
| Memoranda: | ||
| Average total assets | $308,020,330 | 2,098 |
| Average earning assets | $281,844,330 | 2,118 |
| Average equity | $36,366,330 | 1,924 |
| Average total loans | $147,125,670 | 2,617 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 4,069 |
| Cost of funding earning assets | 0.4026% | 5,076 |
| Net interest margin | 3.6093% | 3,220 |
| Noninterest income to average assets | 0.8171% | 2,064 |
| Noninterest expense to average assets | 2.6780% | 4,158 |
| Loan and lease loss provision to assets | 0.1165% | 2,777 |
| Net operating income to assets | 1.3313% | 1,204 |
| Return on assets (ROA) | 1.4776% | 975 |
| Pretax return on assets | 1.4776% | 1,622 |
| Return on Equity (ROE) | 12.0317% | 1,417 |
| Retained earnings to average equity (ytd only) | -3.8805% | 6,267 |
| Net charge-offs to loans | 0.0243% | 3,689 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 124.2222% | 309 |
| Efficiency ratio | 63.3396% | 5,108 |
| Assets per employee ($millions) | 3.4422% | 5,110 |
| Cash dividends to net income (ytd only)* | 132.2524% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 5,703 |
| Loan loss allowance to noncurrent loans | 264.6465% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 5,506 |
| Noncurrent loans to loans | 0.4053% | 5,408 |
| Net loans and leases to total assets | 47.3289% | 5,302 |
| Net loans and leases to deposits | 61.7095% | 4,592 |
| Net loans and leases to core deposits | 65.4995% | 4,592 |
| Total domestic deposits to total assets | 76.6964% | 6,279 |
| Equity capital to assets | 12.2031% | 1,907 |
| Core capital (leverage) ratio | 9.8057% | 3,656 |
| Tier 1 risk-based capital ratio | 18.9732% | 2,048 |
| Total risk-based capital ratio | 19.9759% | 2,095 |
| Memoranda: | ||
| Average total assets | $308,882,500 | 2,130 |
| Average earning assets | $283,155,000 | 2,132 |
| Average equity | $37,933,000 | 1,868 |
| Average total loans | $148,250,000 | 2,609 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 4,409 |
| Cost of funding earning assets | 0.4725% | 5,403 |
| Net interest margin | 3.7740% | 3,343 |
| Noninterest income to average assets | 0.8531% | 2,024 |
| Noninterest expense to average assets | 2.6611% | 4,534 |
| Loan and lease loss provision to assets | 0.1734% | 3,452 |
| Net operating income to assets | 1.4996% | 917 |
| Return on assets (ROA) | 1.8523% | 520 |
| Pretax return on assets | 1.8523% | 821 |
| Return on Equity (ROE) | 15.2657% | 765 |
| Retained earnings to average equity (ytd only) | 1.2309% | 5,261 |
| Net charge-offs to loans | 0.1277% | 4,407 |
| Credit loss provision to net charge-offs | 271.3568% | 892 |
| Earnings coverage of net charge-offs (x) | 26.1759% | 1,109 |
| Efficiency ratio | 59.8711% | 5,562 |
| Assets per employee ($millions) | 3.5387% | 4,928 |
| Cash dividends to net income (ytd only)* | 91.9369% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 5,986 |
| Loan loss allowance to noncurrent loans | 229.7381% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 5,604 |
| Noncurrent loans to loans | 0.4329% | 5,416 |
| Net loans and leases to total assets | 47.6679% | 5,448 |
| Net loans and leases to deposits | 63.6118% | 4,581 |
| Net loans and leases to core deposits | 67.5418% | 4,586 |
| Total domestic deposits to total assets | 74.9355% | 6,449 |
| Equity capital to assets | 12.3571% | 1,816 |
| Core capital (leverage) ratio | 9.7135% | 3,784 |
| Tier 1 risk-based capital ratio | 19.6138% | 1,781 |
| Total risk-based capital ratio | 20.4156% | 1,887 |
| Memoranda: | ||
| Average total assets | $311,339,600 | 2,066 |
| Average earning assets | $287,174,800 | 2,063 |
| Average equity | $37,777,400 | 1,839 |
| Average total loans | $155,775,600 | 2,490 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 4,558 |
| Cost of funding earning assets | 0.5018% | 5,422 |
| Net interest margin | 3.7732% | 3,451 |
| Noninterest income to average assets | 0.8077% | 2,205 |
| Noninterest expense to average assets | 2.6925% | 4,395 |
| Loan and lease loss provision to assets | 0.1735% | 3,398 |
| Net operating income to assets | 1.4261% | 1,168 |
| Return on assets (ROA) | 1.8964% | 531 |
| Pretax return on assets | 1.8964% | 876 |
| Return on Equity (ROE) | 15.7011% | 783 |
| Retained earnings to average equity (ytd only) | 1.0106% | 5,763 |
| Net charge-offs to loans | 0.0907% | 4,468 |
| Credit loss provision to net charge-offs | 378.5047% | 712 |
| Earnings coverage of net charge-offs (x) | 34.9073% | 973 |
| Efficiency ratio | 61.1854% | 5,278 |
| Assets per employee ($millions) | 3.4638% | 5,050 |
| Cash dividends to net income (ytd only)* | 93.5637% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 6,263 |
| Loan loss allowance to noncurrent loans | 214.8368% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 5,875 |
| Noncurrent loans to loans | 0.4391% | 5,569 |
| Net loans and leases to total assets | 48.2375% | 5,524 |
| Net loans and leases to deposits | 63.8420% | 4,734 |
| Net loans and leases to core deposits | 67.6963% | 4,757 |
| Total domestic deposits to total assets | 75.5577% | 6,447 |
| Equity capital to assets | 12.1128% | 2,169 |
| Core capital (leverage) ratio | 9.6906% | 3,980 |
| Tier 1 risk-based capital ratio | 18.3519% | 2,215 |
| Total risk-based capital ratio | 19.2426% | 2,331 |
| Memoranda: | ||
| Average total assets | $311,322,250 | 2,091 |
| Average earning assets | $287,497,000 | 2,082 |
| Average equity | $37,601,500 | 1,867 |
| Average total loans | $157,236,250 | 2,491 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 4,451 |
| Cost of funding earning assets | 0.5306% | 5,428 |
| Net interest margin | 3.7996% | 3,367 |
| Noninterest income to average assets | 0.8012% | 2,173 |
| Noninterest expense to average assets | 2.7759% | 4,113 |
| Loan and lease loss provision to assets | 0.1742% | 3,364 |
| Net operating income to assets | 1.3573% | 1,292 |
| Return on assets (ROA) | 2.0488% | 406 |
| Pretax return on assets | 2.0488% | 633 |
| Return on Equity (ROE) | 16.9800% | 636 |
| Retained earnings to average equity (ytd only) | 0.6790% | 5,791 |
| Net charge-offs to loans | 0.0896% | 4,255 |
| Credit loss provision to net charge-offs | 380.2817% | 787 |
| Earnings coverage of net charge-offs (x) | 33.4366% | 997 |
| Efficiency ratio | 62.8875% | 5,100 |
| Assets per employee ($millions) | 3.1520% | 5,742 |
| Cash dividends to net income (ytd only)* | 96.0013% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,533 |
| Loan loss allowance to noncurrent loans | 230.9932% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 6,015 |
| Noncurrent loans to loans | 0.3752% | 5,790 |
| Net loans and leases to total assets | 49.4461% | 5,427 |
| Net loans and leases to deposits | 64.9758% | 4,647 |
| Net loans and leases to core deposits | 68.9129% | 4,681 |
| Total domestic deposits to total assets | 76.0993% | 6,443 |
| Equity capital to assets | 12.0638% | 2,105 |
| Core capital (leverage) ratio | 9.7008% | 3,831 |
| Tier 1 risk-based capital ratio | 18.3443% | 2,181 |
| Total risk-based capital ratio | 19.1797% | 2,282 |
| Memoranda: | ||
| Average total assets | $310,028,670 | 2,097 |
| Average earning assets | $286,081,670 | 2,083 |
| Average equity | $37,408,670 | 1,866 |
| Average total loans | $158,483,670 | 2,483 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 4,450 |
| Cost of funding earning assets | 0.5597% | 5,433 |
| Net interest margin | 3.8096% | 3,349 |
| Noninterest income to average assets | 0.7792% | 2,258 |
| Noninterest expense to average assets | 2.8180% | 3,951 |
| Loan and lease loss provision to assets | 0.1747% | 3,220 |
| Net operating income to assets | 1.3022% | 1,455 |
| Return on assets (ROA) | 1.5598% | 1,032 |
| Pretax return on assets | 1.5598% | 1,708 |
| Return on Equity (ROE) | 12.9255% | 1,424 |
| Retained earnings to average equity (ytd only) | 0.9547% | 5,690 |
| Net charge-offs to loans | 0.0525% | 3,975 |
| Credit loss provision to net charge-offs | 642.8571% | 533 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 594 |
| Efficiency ratio | 64.0446% | 4,914 |
| Assets per employee ($millions) | 3.1343% | 5,892 |
| Cash dividends to net income (ytd only)* | 92.6141% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 6,742 |
| Loan loss allowance to noncurrent loans | 273.0022% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 6,187 |
| Noncurrent loans to loans | 0.2932% | 6,088 |
| Net loans and leases to total assets | 51.0050% | 5,158 |
| Net loans and leases to deposits | 67.1191% | 4,210 |
| Net loans and leases to core deposits | 71.0715% | 4,282 |
| Total domestic deposits to total assets | 75.9918% | 6,544 |
| Equity capital to assets | 11.9772% | 2,057 |
| Core capital (leverage) ratio | 9.7117% | 3,750 |
| Tier 1 risk-based capital ratio | 18.1380% | 2,244 |
| Total risk-based capital ratio | 18.9142% | 2,393 |
| Memoranda: | ||
| Average total assets | $309,018,500 | 2,103 |
| Average earning assets | $285,173,500 | 2,098 |
| Average equity | $37,290,500 | 1,870 |
| Average total loans | $159,903,000 | 2,483 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 3,842 |
| Cost of funding earning assets | 0.5647% | 6,265 |
| Net interest margin | 4.2285% | 1,967 |
| Noninterest income to average assets | 0.8511% | 1,841 |
| Noninterest expense to average assets | 3.3443% | 2,373 |
| Loan and lease loss provision to assets | 0.1085% | 5,241 |
| Net operating income to assets | 1.2932% | 1,265 |
| Return on assets (ROA) | 1.6733% | 619 |
| Pretax return on assets | 1.6733% | 1,051 |
| Return on Equity (ROE) | 14.5077% | 827 |
| Retained earnings to average equity (ytd only) | 2.4565% | 4,471 |
| Net charge-offs to loans | 0.1049% | 5,309 |
| Credit loss provision to net charge-offs | 199.3007% | 1,261 |
| Earnings coverage of net charge-offs (x) | 25.7413% | 965 |
| Efficiency ratio | 69.3413% | 4,086 |
| Assets per employee ($millions) | 3.0779% | 5,941 |
| Cash dividends to net income (ytd only)* | 83.0678% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7104% | 6,891 |
| Loan loss allowance to noncurrent loans | 215.3558% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 6,213 |
| Noncurrent loans to loans | 0.3299% | 6,070 |
| Net loans and leases to total assets | 51.7005% | 5,363 |
| Net loans and leases to deposits | 70.9160% | 3,962 |
| Net loans and leases to core deposits | 75.0469% | 4,096 |
| Total domestic deposits to total assets | 72.9039% | 6,817 |
| Equity capital to assets | 12.1565% | 2,006 |
| Core capital (leverage) ratio | 9.5603% | 3,935 |
| Tier 1 risk-based capital ratio | 15.5686% | 3,282 |
| Total risk-based capital ratio | 16.1776% | 3,649 |
| Memoranda: | ||
| Average total assets | $262,597,400 | 2,406 |
| Average earning assets | $241,884,000 | 2,386 |
| Average equity | $30,287,400 | 2,174 |
| Average total loans | $136,285,200 | 2,872 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 3,609 |
| Cost of funding earning assets | 0.8549% | 4,736 |
| Net interest margin | 4.0347% | 2,759 |
| Noninterest income to average assets | 0.8047% | 2,033 |
| Noninterest expense to average assets | 3.4028% | 2,181 |
| Loan and lease loss provision to assets | 0.0798% | 5,446 |
| Net operating income to assets | 1.0367% | 2,186 |
| Return on assets (ROA) | 1.5529% | 918 |
| Pretax return on assets | 1.5529% | 1,505 |
| Return on Equity (ROE) | 13.6936% | 1,110 |
| Retained earnings to average equity (ytd only) | 0.7978% | 5,693 |
| Net charge-offs to loans | 0.1006% | 4,983 |
| Credit loss provision to net charge-offs | 153.0612% | 2,030 |
| Earnings coverage of net charge-offs (x) | 21.4087% | 1,182 |
| Efficiency ratio | 75.2944% | 2,962 |
| Assets per employee ($millions) | 3.0963% | 5,905 |
| Cash dividends to net income (ytd only)* | 94.1741% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 7,029 |
| Loan loss allowance to noncurrent loans | 427.4194% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 6,538 |
| Noncurrent loans to loans | 0.1516% | 6,569 |
| Net loans and leases to total assets | 51.9592% | 5,453 |
| Net loans and leases to deposits | 71.4277% | 4,080 |
| Net loans and leases to core deposits | 76.3765% | 4,154 |
| Total domestic deposits to total assets | 72.7438% | 6,876 |
| Equity capital to assets | 11.9234% | 2,313 |
| Core capital (leverage) ratio | 9.8622% | 3,630 |
| Tier 1 risk-based capital ratio | 16.0310% | 3,101 |
| Total risk-based capital ratio | 16.6003% | 3,429 |
| Memoranda: | ||
| Average total assets | $250,529,000 | 2,524 |
| Average earning assets | $230,657,250 | 2,504 |
| Average equity | $28,411,500 | 2,306 |
| Average total loans | $129,888,500 | 3,011 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 3,686 |
| Cost of funding earning assets | 0.8140% | 5,279 |
| Net interest margin | 4.0712% | 2,527 |
| Noninterest income to average assets | 0.7163% | 2,452 |
| Noninterest expense to average assets | 3.5553% | 1,849 |
| Loan and lease loss provision to assets | 0.0522% | 5,661 |
| Net operating income to assets | 0.8564% | 2,832 |
| Return on assets (ROA) | 1.6110% | 760 |
| Pretax return on assets | 1.6110% | 1,244 |
| Return on Equity (ROE) | 14.5445% | 880 |
| Retained earnings to average equity (ytd only) | 0.0314% | 5,821 |
| Net charge-offs to loans | 0.0624% | 5,023 |
| Credit loss provision to net charge-offs | 162.1622% | 1,868 |
| Earnings coverage of net charge-offs (x) | 28.2162% | 967 |
| Efficiency ratio | 79.6452% | 2,441 |
| Assets per employee ($millions) | 2.8590% | 6,367 |
| Cash dividends to net income (ytd only)* | 99.7839% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6247% | 7,115 |
| Loan loss allowance to noncurrent loans | 215.6904% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 6,396 |
| Noncurrent loans to loans | 0.2896% | 6,341 |
| Net loans and leases to total assets | 54.6341% | 5,204 |
| Net loans and leases to deposits | 72.0649% | 4,101 |
| Net loans and leases to core deposits | 76.5121% | 4,247 |
| Total domestic deposits to total assets | 75.8123% | 6,627 |
| Equity capital to assets | 11.5307% | 2,476 |
| Core capital (leverage) ratio | 11.1611% | 2,137 |
| Tier 1 risk-based capital ratio | 17.8181% | 2,232 |
| Total risk-based capital ratio | 18.4380% | 2,423 |
| Memoranda: | ||
| Average total assets | $229,798,000 | 2,756 |
| Average earning assets | $211,536,330 | 2,739 |
| Average equity | $25,453,000 | 2,514 |
| Average total loans | $118,668,670 | 3,254 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 4,352 |
| Cost of funding earning assets | 0.7063% | 6,097 |
| Net interest margin | 4.0292% | 2,567 |
| Noninterest income to average assets | 0.6598% | 2,781 |
| Noninterest expense to average assets | 2.7934% | 4,470 |
| Loan and lease loss provision to assets | 0.0617% | 5,224 |
| Net operating income to assets | 1.5334% | 815 |
| Return on assets (ROA) | 2.4214% | 200 |
| Pretax return on assets | 2.4214% | 275 |
| Return on Equity (ROE) | 22.5752% | 227 |
| Retained earnings to average equity (ytd only) | 1.9931% | 4,935 |
| Net charge-offs to loans | 0.0168% | 4,844 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 194.0000% | 160 |
| Efficiency ratio | 63.6534% | 5,417 |
| Assets per employee ($millions) | 3.1744% | 5,779 |
| Cash dividends to net income (ytd only)* | 91.1715% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 6,092 |
| Loan loss allowance to noncurrent loans | 480.9302% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 6,801 |
| Noncurrent loans to loans | 0.2260% | 6,527 |
| Net loans and leases to total assets | 47.8017% | 6,103 |
| Net loans and leases to deposits | 65.7651% | 5,005 |
| Net loans and leases to core deposits | 72.2068% | 4,759 |
| Total domestic deposits to total assets | 72.6855% | 7,022 |
| Equity capital to assets | 10.4852% | 3,191 |
| Core capital (leverage) ratio | 9.8066% | 3,378 |
| Tier 1 risk-based capital ratio | 16.0469% | 2,884 |
| Total risk-based capital ratio | 16.9333% | 3,027 |
| Memoranda: | ||
| Average total assets | $194,602,000 | 3,181 |
| Average earning assets | $180,087,000 | 3,145 |
| Average equity | $20,872,500 | 3,000 |
| Average total loans | $95,484,500 | 3,846 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 4,589 |
| Cost of funding earning assets | 0.8465% | 6,378 |
| Net interest margin | 4.1479% | 2,375 |
| Noninterest income to average assets | 0.7390% | 2,599 |
| Noninterest expense to average assets | 2.8748% | 4,335 |
| Loan and lease loss provision to assets | 0.0626% | 6,515 |
| Net operating income to assets | 1.6377% | 584 |
| Return on assets (ROA) | 1.7023% | 556 |
| Pretax return on assets | 1.7023% | 934 |
| Return on Equity (ROE) | 15.3018% | 676 |
| Retained earnings to average equity (ytd only) | -1.6080% | 5,906 |
| Net charge-offs to loans | 0.0946% | 5,898 |
| Credit loss provision to net charge-offs | 131.8681% | 2,988 |
| Earnings coverage of net charge-offs (x) | 35.8242% | 638 |
| Efficiency ratio | 62.8363% | 5,548 |
| Assets per employee ($millions) | 3.0539% | 5,992 |
| Cash dividends to net income (ytd only)* | 110.5086% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 6,137 |
| Loan loss allowance to noncurrent loans | 550.8197% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 6,867 |
| Noncurrent loans to loans | 0.1909% | 6,690 |
| Net loans and leases to total assets | 49.2991% | 6,244 |
| Net loans and leases to deposits | 67.2061% | 5,215 |
| Net loans and leases to core deposits | 73.5376% | 5,037 |
| Total domestic deposits to total assets | 73.3551% | 6,963 |
| Equity capital to assets | 10.9718% | 2,712 |
| Core capital (leverage) ratio | 9.5334% | 3,668 |
| Tier 1 risk-based capital ratio | 16.2875% | 2,620 |
| Total risk-based capital ratio | 17.1695% | 2,743 |
| Memoranda: | ||
| Average total assets | $191,735,800 | 3,204 |
| Average earning assets | $177,318,400 | 3,155 |
| Average equity | $21,330,800 | 2,965 |
| Average total loans | $96,187,800 | 3,892 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 4,744 |
| Cost of funding earning assets | 0.8779% | 6,482 |
| Net interest margin | 4.1360% | 2,461 |
| Noninterest income to average assets | 0.7315% | 2,630 |
| Noninterest expense to average assets | 2.9189% | 4,013 |
| Loan and lease loss provision to assets | 0.0626% | 6,436 |
| Net operating income to assets | 1.5764% | 774 |
| Return on assets (ROA) | 1.6627% | 719 |
| Pretax return on assets | 1.6627% | 1,180 |
| Return on Equity (ROE) | 14.8939% | 881 |
| Retained earnings to average equity (ytd only) | -2.7743% | 6,322 |
| Net charge-offs to loans | 0.0873% | 5,660 |
| Credit loss provision to net charge-offs | 142.8571% | 2,754 |
| Earnings coverage of net charge-offs (x) | 37.3800% | 728 |
| Efficiency ratio | 64.0403% | 5,232 |
| Assets per employee ($millions) | 3.1517% | 5,798 |
| Cash dividends to net income (ytd only)* | 118.6271% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 6,103 |
| Loan loss allowance to noncurrent loans | 281.0056% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 6,807 |
| Noncurrent loans to loans | 0.3782% | 6,438 |
| Net loans and leases to total assets | 47.9259% | 6,529 |
| Net loans and leases to deposits | 67.2109% | 5,519 |
| Net loans and leases to core deposits | 73.7636% | 5,324 |
| Total domestic deposits to total assets | 71.3067% | 7,197 |
| Equity capital to assets | 11.6945% | 2,364 |
| Core capital (leverage) ratio | 9.4688% | 3,948 |
| Tier 1 risk-based capital ratio | 16.6237% | 2,498 |
| Total risk-based capital ratio | 17.5270% | 2,597 |
| Memoranda: | ||
| Average total assets | $191,571,500 | 3,262 |
| Average earning assets | $177,236,750 | 3,198 |
| Average equity | $21,386,250 | 2,995 |
| Average total loans | $96,270,750 | 3,961 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 4,740 |
| Cost of funding earning assets | 0.9091% | 6,540 |
| Net interest margin | 4.1321% | 2,418 |
| Noninterest income to average assets | 0.7063% | 2,670 |
| Noninterest expense to average assets | 2.9575% | 3,863 |
| Loan and lease loss provision to assets | 0.0631% | 6,319 |
| Net operating income to assets | 1.4977% | 916 |
| Return on assets (ROA) | 1.6280% | 734 |
| Pretax return on assets | 1.6280% | 1,217 |
| Return on Equity (ROE) | 14.8246% | 887 |
| Retained earnings to average equity (ytd only) | 1.8758% | 4,931 |
| Net charge-offs to loans | 0.0785% | 5,352 |
| Credit loss provision to net charge-offs | 157.8947% | 2,494 |
| Earnings coverage of net charge-offs (x) | 39.0789% | 744 |
| Efficiency ratio | 65.4571% | 5,073 |
| Assets per employee ($millions) | 2.9039% | 6,347 |
| Cash dividends to net income (ytd only)* | 87.3467% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 6,160 |
| Loan loss allowance to noncurrent loans | 202.2222% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 6,643 |
| Noncurrent loans to loans | 0.5220% | 6,214 |
| Net loans and leases to total assets | 48.2222% | 6,609 |
| Net loans and leases to deposits | 68.4472% | 5,499 |
| Net loans and leases to core deposits | 75.2189% | 5,294 |
| Total domestic deposits to total assets | 70.4516% | 7,299 |
| Equity capital to assets | 11.2730% | 2,613 |
| Core capital (leverage) ratio | 9.8392% | 3,352 |
| Tier 1 risk-based capital ratio | 17.0931% | 2,243 |
| Total risk-based capital ratio | 17.9863% | 2,333 |
| Memoranda: | ||
| Average total assets | $190,292,670 | 3,296 |
| Average earning assets | $175,550,670 | 3,249 |
| Average equity | $20,897,670 | 3,053 |
| Average total loans | $96,808,670 | 3,987 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 4,708 |
| Cost of funding earning assets | 0.9284% | 6,663 |
| Net interest margin | 4.1361% | 2,292 |
| Noninterest income to average assets | 0.6654% | 2,849 |
| Noninterest expense to average assets | 2.9890% | 3,722 |
| Loan and lease loss provision to assets | 0.0638% | 6,005 |
| Net operating income to assets | 1.4010% | 1,072 |
| Return on assets (ROA) | 1.4307% | 1,087 |
| Pretax return on assets | 1.4307% | 1,688 |
| Return on Equity (ROE) | 13.2090% | 1,212 |
| Retained earnings to average equity (ytd only) | 1.4132% | 5,238 |
| Net charge-offs to loans | 0.0245% | 5,236 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 114.8333% | 283 |
| Efficiency ratio | 67.1122% | 4,895 |
| Assets per employee ($millions) | 2.9961% | 6,223 |
| Cash dividends to net income (ytd only)* | 89.3016% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 6,325 |
| Loan loss allowance to noncurrent loans | 323.5484% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 7,000 |
| Noncurrent loans to loans | 0.3181% | 6,668 |
| Net loans and leases to total assets | 49.5343% | 6,523 |
| Net loans and leases to deposits | 69.2215% | 5,444 |
| Net loans and leases to core deposits | 76.2913% | 5,217 |
| Total domestic deposits to total assets | 71.5591% | 7,309 |
| Equity capital to assets | 10.5729% | 3,175 |
| Core capital (leverage) ratio | 10.1670% | 2,961 |
| Tier 1 risk-based capital ratio | 16.5134% | 2,442 |
| Total risk-based capital ratio | 16.7147% | 2,835 |
| Memoranda: | ||
| Average total assets | $188,158,000 | 3,387 |
| Average earning assets | $172,338,000 | 3,365 |
| Average equity | $20,380,000 | 3,155 |
| Average total loans | $97,801,500 | 4,028 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6286% | 3,451 |
| Cost of funding earning assets | 1.1199% | 6,915 |
| Net interest margin | 4.5087% | 1,161 |
| Noninterest income to average assets | 0.8525% | 2,168 |
| Noninterest expense to average assets | 3.1931% | 3,401 |
| Loan and lease loss provision to assets | 0.0693% | 6,884 |
| Net operating income to assets | 1.7034% | 436 |
| Return on assets (ROA) | 1.8823% | 309 |
| Pretax return on assets | 1.8823% | 530 |
| Return on Equity (ROE) | 16.2593% | 527 |
| Retained earnings to average equity (ytd only) | 1.5905% | 3,968 |
| Net charge-offs to loans | 0.1515% | 5,746 |
| Credit loss provision to net charge-offs | 79.4702% | 6,292 |
| Earnings coverage of net charge-offs (x) | 20.3377% | 1,044 |
| Efficiency ratio | 64.3032% | 5,717 |
| Assets per employee ($millions) | 2.8371% | 6,592 |
| Cash dividends to net income (ytd only)* | 90.2177% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 6,408 |
| Loan loss allowance to noncurrent loans | 416.5957% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 7,129 |
| Noncurrent loans to loans | 0.2395% | 6,833 |
| Net loans and leases to total assets | 53.5083% | 6,248 |
| Net loans and leases to deposits | 72.0218% | 5,321 |
| Net loans and leases to core deposits | 91.8837% | 4,902 |
| Total domestic deposits to total assets | 74.2945% | 6,977 |
| Equity capital to assets | 11.1085% | 2,616 |
| Core capital (leverage) ratio | 10.6064% | 2,498 |
| Tier 1 risk-based capital ratio | 16.9674% | 2,155 |
| Total risk-based capital ratio | 17.8426% | 2,228 |
| Memoranda: | ||
| Average total assets | $173,246,800 | 3,551 |
| Average earning assets | $158,050,800 | 3,555 |
| Average equity | $20,056,200 | 3,186 |
| Average total loans | $99,638,800 | 3,963 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6539% | 3,552 |
| Cost of funding earning assets | 1.1625% | 6,992 |
| Net interest margin | 4.4914% | 1,212 |
| Noninterest income to average assets | 0.8506% | 2,197 |
| Noninterest expense to average assets | 3.1711% | 3,397 |
| Loan and lease loss provision to assets | 0.0701% | 6,654 |
| Net operating income to assets | 1.7082% | 553 |
| Return on assets (ROA) | 1.8851% | 397 |
| Pretax return on assets | 1.8851% | 680 |
| Return on Equity (ROE) | 16.1106% | 642 |
| Retained earnings to average equity (ytd only) | 1.5312% | 4,459 |
| Net charge-offs to loans | 0.1440% | 5,253 |
| Credit loss provision to net charge-offs | 83.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | 21.1383% | 1,213 |
| Efficiency ratio | 64.0699% | 5,737 |
| Assets per employee ($millions) | 2.7212% | 6,803 |
| Cash dividends to net income (ytd only)* | 90.4958% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 6,220 |
| Loan loss allowance to noncurrent loans | 433.1878% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 7,195 |
| Noncurrent loans to loans | 0.2332% | 6,917 |
| Net loans and leases to total assets | 54.9494% | 6,273 |
| Net loans and leases to deposits | 73.6075% | 5,424 |
| Net loans and leases to core deposits | 86.7387% | 5,795 |
| Total domestic deposits to total assets | 74.6519% | 6,836 |
| Equity capital to assets | 11.7401% | 2,404 |
| Core capital (leverage) ratio | 10.7216% | 2,623 |
| Tier 1 risk-based capital ratio | 17.3623% | 2,162 |
| Total risk-based capital ratio | 18.2742% | 2,216 |
| Memoranda: | ||
| Average total assets | $171,165,500 | 3,608 |
| Average earning assets | $156,207,250 | 3,615 |
| Average equity | $20,027,750 | 3,225 |
| Average total loans | $100,014,750 | 3,984 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6881% | 3,613 |
| Cost of funding earning assets | 1.2008% | 7,100 |
| Net interest margin | 4.4873% | 1,193 |
| Noninterest income to average assets | 0.8354% | 2,245 |
| Noninterest expense to average assets | 3.1844% | 3,373 |
| Loan and lease loss provision to assets | 0.0709% | 6,487 |
| Net operating income to assets | 1.6732% | 592 |
| Return on assets (ROA) | 1.9414% | 374 |
| Pretax return on assets | 1.9414% | 647 |
| Return on Equity (ROE) | 16.6113% | 630 |
| Retained earnings to average equity (ytd only) | 1.6379% | 4,425 |
| Net charge-offs to loans | 0.1511% | 4,680 |
| Credit loss provision to net charge-offs | 78.9474% | 5,227 |
| Earnings coverage of net charge-offs (x) | 19.4211% | 1,366 |
| Efficiency ratio | 64.6128% | 5,785 |
| Assets per employee ($millions) | 2.6751% | 6,891 |
| Cash dividends to net income (ytd only)* | 90.1400% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 6,212 |
| Loan loss allowance to noncurrent loans | 649.6732% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 7,348 |
| Noncurrent loans to loans | 0.1545% | 7,138 |
| Net loans and leases to total assets | 56.3837% | 6,167 |
| Net loans and leases to deposits | 72.7629% | 5,637 |
| Net loans and leases to core deposits | 87.3703% | 5,781 |
| Total domestic deposits to total assets | 77.4896% | 6,202 |
| Equity capital to assets | 11.2336% | 2,731 |
| Core capital (leverage) ratio | 10.8404% | 2,534 |
| Tier 1 risk-based capital ratio | 18.6678% | 1,848 |
| Total risk-based capital ratio | 19.6547% | 1,855 |
| Memoranda: | ||
| Average total assets | $169,260,330 | 3,662 |
| Average earning assets | $154,392,000 | 3,661 |
| Average equity | $19,781,670 | 3,278 |
| Average total loans | $100,624,000 | 3,995 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6363% | 4,128 |
| Cost of funding earning assets | 1.2334% | 7,218 |
| Net interest margin | 4.4029% | 1,334 |
| Noninterest income to average assets | 0.8146% | 2,258 |
| Noninterest expense to average assets | 3.2273% | 2,868 |
| Loan and lease loss provision to assets | 0.0719% | 6,064 |
| Net operating income to assets | 1.5094% | 922 |
| Return on assets (ROA) | 1.5094% | 990 |
| Pretax return on assets | 1.5094% | 1,639 |
| Return on Equity (ROE) | 12.6595% | 1,473 |
| Retained earnings to average equity (ytd only) | 1.8688% | 4,815 |
| Net charge-offs to loans | 0.0789% | 4,385 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 987 |
| Efficiency ratio | 67.1151% | 5,120 |
| Assets per employee ($millions) | 2.6110% | 7,068 |
| Cash dividends to net income (ytd only)* | 85.2381% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 6,035 |
| Loan loss allowance to noncurrent loans | 1,073.6842% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 7,077 |
| Noncurrent loans to loans | 0.0950% | 7,254 |
| Net loans and leases to total assets | 58.3069% | 5,894 |
| Net loans and leases to deposits | 73.7133% | 5,520 |
| Net loans and leases to core deposits | 89.2041% | 5,627 |
| Total domestic deposits to total assets | 79.0995% | 5,683 |
| Equity capital to assets | 11.8181% | 2,370 |
| Core capital (leverage) ratio | 11.2968% | 2,281 |
| Tier 1 risk-based capital ratio | 19.1734% | 1,777 |
| Total risk-based capital ratio | 20.2174% | 1,776 |
| Memoranda: | ||
| Average total assets | $166,950,500 | 3,710 |
| Average earning assets | $151,446,500 | 3,719 |
| Average equity | $19,906,000 | 3,270 |
| Average total loans | $101,419,000 | 3,993 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3279% | 3,807 |
| Cost of funding earning assets | 1.7408% | 7,157 |
| Net interest margin | 4.5871% | 1,218 |
| Noninterest income to average assets | 0.6834% | 3,226 |
| Noninterest expense to average assets | 3.1191% | 3,620 |
| Loan and lease loss provision to assets | 0.0553% | 6,719 |
| Net operating income to assets | 1.6363% | 778 |
| Return on assets (ROA) | 1.6946% | 656 |
| Pretax return on assets | 1.6946% | 1,155 |
| Return on Equity (ROE) | 14.6968% | 972 |
| Retained earnings to average equity (ytd only) | 1.2088% | 4,500 |
| Net charge-offs to loans | 0.0868% | 5,506 |
| Credit loss provision to net charge-offs | 101.1236% | 5,251 |
| Earnings coverage of net charge-offs (x) | 30.9551% | 1,142 |
| Efficiency ratio | 64.8373% | 5,363 |
| Assets per employee ($millions) | 2.5654% | 7,074 |
| Cash dividends to net income (ytd only)* | 91.7754% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 6,198 |
| Loan loss allowance to noncurrent loans | 795.2756% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 6,624 |
| Noncurrent loans to loans | 0.1235% | 7,043 |
| Net loans and leases to total assets | 62.0348% | 5,618 |
| Net loans and leases to deposits | 80.0706% | 5,037 |
| Net loans and leases to core deposits | 98.9095% | 4,938 |
| Total domestic deposits to total assets | 77.4751% | 5,883 |
| Equity capital to assets | 12.0320% | 2,270 |
| Core capital (leverage) ratio | 11.6345% | 2,169 |
| Tier 1 risk-based capital ratio | 19.4410% | 1,717 |
| Total risk-based capital ratio | 20.4944% | 1,717 |
| Memoranda: | ||
| Average total assets | $162,866,600 | 3,668 |
| Average earning assets | $146,541,600 | 3,717 |
| Average equity | $18,779,600 | 3,432 |
| Average total loans | $102,593,000 | 3,883 |