Home > The National Bank of Georgia > Performance and Condition Ratios
The National Bank of Georgia, 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 | 4.5027% | 1,537 |
| Cost of funding earning assets | 0.7500% | 635 |
| Net interest margin | 3.7527% | 2,511 |
| Noninterest income to average assets | 0.3449% | 4,315 |
| Noninterest expense to average assets | 1.9743% | 5,254 |
| Loan and lease loss provision to assets | 0.0394% | 3,452 |
| Net operating income to assets | 1.2114% | 1,603 |
| Return on assets (ROA) | 1.2127% | 1,695 |
| Pretax return on assets | 1.9208% | 674 |
| Return on Equity (ROE) | 11.7183% | 1,411 |
| Retained earnings to average equity (ytd only) | 10.1205% | 554 |
| Net charge-offs to loans | -0.0152% | 4,912 |
| Credit loss provision to net charge-offs | -305.1282% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2060% | 5,491 |
| Assets per employee ($millions) | 10.9295% | 218 |
| Cash dividends to net income (ytd only)* | 13.6351% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,979 |
| Loan loss allowance to noncurrent loans | 6,093.1507% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 4,716 |
| Noncurrent loans to loans | 0.0205% | 5,308 |
| Net loans and leases to total assets | 84.8738% | 336 |
| Net loans and leases to deposits | 109.0663% | 281 |
| Net loans and leases to core deposits | 113.7010% | 736 |
| Total domestic deposits to total assets | 77.8185% | 4,946 |
| Equity capital to assets | 10.4722% | 3,596 |
| Core capital (leverage) ratio | 10.4319% | 3,069 |
| Tier 1 risk-based capital ratio | 11.9615% | 4,813 |
| Total risk-based capital ratio | 13.1875% | 4,721 |
| Memoranda: | ||
| Average total assets | $403,161,750 | 1,673 |
| Average earning assets | $385,419,250 | 1,621 |
| Average equity | $41,722,750 | 1,783 |
| Average total loans | $341,803,250 | 1,364 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 1,540 |
| Cost of funding earning assets | 0.7448% | 650 |
| Net interest margin | 3.7456% | 2,532 |
| Noninterest income to average assets | 0.3252% | 4,454 |
| Noninterest expense to average assets | 1.9929% | 5,284 |
| Loan and lease loss provision to assets | 0.0120% | 3,865 |
| Net operating income to assets | 1.1977% | 1,614 |
| Return on assets (ROA) | 1.1997% | 1,694 |
| Pretax return on assets | 1.9017% | 695 |
| Return on Equity (ROE) | 11.6404% | 1,432 |
| Retained earnings to average equity (ytd only) | 9.2092% | 794 |
| Net charge-offs to loans | -0.0339% | 5,184 |
| Credit loss provision to net charge-offs | -42.1053% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0526% | 5,499 |
| Assets per employee ($millions) | 10.4058% | 246 |
| Cash dividends to net income (ytd only)* | 20.8855% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,997 |
| Loan loss allowance to noncurrent loans | 595.5041% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 4,086 |
| Noncurrent loans to loans | 0.2120% | 4,592 |
| Net loans and leases to total assets | 82.1146% | 616 |
| Net loans and leases to deposits | 105.6006% | 385 |
| Net loans and leases to core deposits | 110.9201% | 877 |
| Total domestic deposits to total assets | 77.7596% | 5,044 |
| Equity capital to assets | 10.1378% | 4,042 |
| Core capital (leverage) ratio | 10.3308% | 3,159 |
| Tier 1 risk-based capital ratio | 11.8798% | 4,922 |
| Total risk-based capital ratio | 13.1125% | 4,815 |
| Memoranda: | ||
| Average total assets | $399,109,000 | 1,693 |
| Average earning assets | $381,301,000 | 1,640 |
| Average equity | $41,132,670 | 1,809 |
| Average total loans | $336,755,670 | 1,387 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 1,416 |
| Cost of funding earning assets | 0.7365% | 672 |
| Net interest margin | 3.7971% | 2,294 |
| Noninterest income to average assets | 0.3062% | 4,534 |
| Noninterest expense to average assets | 2.0361% | 5,253 |
| Loan and lease loss provision to assets | 0.0246% | 3,359 |
| Net operating income to assets | 1.1800% | 1,617 |
| Return on assets (ROA) | 1.1840% | 1,706 |
| Pretax return on assets | 1.8794% | 722 |
| Return on Equity (ROE) | 11.3890% | 1,482 |
| Retained earnings to average equity (ytd only) | 6.4630% | 2,159 |
| Net charge-offs to loans | -0.0542% | 5,369 |
| Credit loss provision to net charge-offs | -53.3333% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7574% | 5,528 |
| Assets per employee ($millions) | 9.6777% | 315 |
| Cash dividends to net income (ytd only)* | 43.2526% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,861 |
| Loan loss allowance to noncurrent loans | 473.2899% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 4,650 |
| Noncurrent loans to loans | 0.2764% | 4,443 |
| Net loans and leases to total assets | 80.9033% | 699 |
| Net loans and leases to deposits | 104.4609% | 390 |
| Net loans and leases to core deposits | 110.2827% | 839 |
| Total domestic deposits to total assets | 77.4484% | 5,225 |
| Equity capital to assets | 10.0715% | 3,987 |
| Core capital (leverage) ratio | 10.6586% | 2,786 |
| Tier 1 risk-based capital ratio | 12.0264% | 4,899 |
| Total risk-based capital ratio | 13.2766% | 4,814 |
| Memoranda: | ||
| Average total assets | $390,547,000 | 1,729 |
| Average earning assets | $373,129,500 | 1,669 |
| Average equity | $40,600,500 | 1,821 |
| Average total loans | $332,054,000 | 1,396 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 1,163 |
| Cost of funding earning assets | 0.7405% | 665 |
| Net interest margin | 3.9353% | 1,912 |
| Noninterest income to average assets | 0.3860% | 4,150 |
| Noninterest expense to average assets | 2.1615% | 5,126 |
| Loan and lease loss provision to assets | 0.0317% | 3,733 |
| Net operating income to assets | 1.2807% | 1,319 |
| Return on assets (ROA) | 1.2889% | 1,341 |
| Pretax return on assets | 1.9573% | 590 |
| Return on Equity (ROE) | 12.5687% | 1,162 |
| Retained earnings to average equity (ytd only) | 12.5687% | 224 |
| Net charge-offs to loans | 0.0178% | 3,926 |
| Credit loss provision to net charge-offs | 201.7241% | 1,380 |
| Earnings coverage of net charge-offs (x) | 125.6379% | 484 |
| Efficiency ratio | 52.2352% | 5,623 |
| Assets per employee ($millions) | 8.7123% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,931 |
| Loan loss allowance to noncurrent loans | 1,131.9261% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 5,200 |
| Noncurrent loans to loans | 0.1145% | 5,040 |
| Net loans and leases to total assets | 87.1837% | 160 |
| Net loans and leases to deposits | 107.4851% | 311 |
| Net loans and leases to core deposits | 113.9945% | 680 |
| Total domestic deposits to total assets | 81.1123% | 4,449 |
| Equity capital to assets | 10.7476% | 3,076 |
| Core capital (leverage) ratio | 10.7286% | 2,681 |
| Tier 1 risk-based capital ratio | 12.2162% | 4,819 |
| Total risk-based capital ratio | 13.4667% | 4,717 |
| Memoranda: | ||
| Average total assets | $368,678,400 | 1,781 |
| Average earning assets | $351,509,200 | 1,719 |
| Average equity | $37,808,200 | 1,895 |
| Average total loans | $325,080,600 | 1,372 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6853% | 1,123 |
| Cost of funding earning assets | 0.7390% | 688 |
| Net interest margin | 3.9463% | 1,883 |
| Noninterest income to average assets | 0.3918% | 4,141 |
| Noninterest expense to average assets | 2.2484% | 4,912 |
| Loan and lease loss provision to assets | 0.0207% | 3,862 |
| Net operating income to assets | 1.2313% | 1,551 |
| Return on assets (ROA) | 1.2422% | 1,575 |
| Pretax return on assets | 1.8991% | 725 |
| Return on Equity (ROE) | 12.2632% | 1,300 |
| Retained earnings to average equity (ytd only) | 12.2632% | 334 |
| Net charge-offs to loans | 0.0305% | 3,319 |
| Credit loss provision to net charge-offs | 77.0270% | 2,659 |
| Earnings coverage of net charge-offs (x) | 70.8274% | 809 |
| Efficiency ratio | 54.1590% | 5,498 |
| Assets per employee ($millions) | 8.8496% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 3,149 |
| Loan loss allowance to noncurrent loans | 851.3131% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 4,881 |
| Noncurrent loans to loans | 0.1516% | 5,031 |
| Net loans and leases to total assets | 86.7220% | 193 |
| Net loans and leases to deposits | 106.8276% | 338 |
| Net loans and leases to core deposits | 113.3612% | 693 |
| Total domestic deposits to total assets | 81.1793% | 4,427 |
| Equity capital to assets | 10.4762% | 3,626 |
| Core capital (leverage) ratio | 10.5432% | 2,996 |
| Tier 1 risk-based capital ratio | 11.9490% | 5,108 |
| Total risk-based capital ratio | 13.1993% | 5,031 |
| Memoranda: | ||
| Average total assets | $367,190,250 | 1,795 |
| Average earning assets | $349,822,250 | 1,739 |
| Average equity | $37,194,250 | 1,933 |
| Average total loans | $323,624,000 | 1,382 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 1,114 |
| Cost of funding earning assets | 0.7328% | 706 |
| Net interest margin | 3.9478% | 1,819 |
| Noninterest income to average assets | 0.4321% | 3,838 |
| Noninterest expense to average assets | 2.2757% | 4,907 |
| Loan and lease loss provision to assets | 0.0312% | 3,501 |
| Net operating income to assets | 1.2137% | 1,556 |
| Return on assets (ROA) | 1.2218% | 1,614 |
| Pretax return on assets | 1.9005% | 731 |
| Return on Equity (ROE) | 12.2033% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.2033% | 375 |
| Net charge-offs to loans | -0.0025% | 4,612 |
| Credit loss provision to net charge-offs | -1,425.0000% | 5,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2503% | 5,562 |
| Assets per employee ($millions) | 8.5030% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 3,187 |
| Loan loss allowance to noncurrent loans | 495.6120% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 4,880 |
| Noncurrent loans to loans | 0.2644% | 4,722 |
| Net loans and leases to total assets | 88.4030% | 119 |
| Net loans and leases to deposits | 107.1437% | 332 |
| Net loans and leases to core deposits | 113.6834% | 680 |
| Total domestic deposits to total assets | 82.5088% | 4,123 |
| Equity capital to assets | 10.3063% | 3,684 |
| Core capital (leverage) ratio | 10.1872% | 3,350 |
| Tier 1 risk-based capital ratio | 11.6827% | 5,348 |
| Total risk-based capital ratio | 12.9336% | 5,259 |
| Memoranda: | ||
| Average total assets | $365,693,000 | 1,810 |
| Average earning assets | $348,548,000 | 1,758 |
| Average equity | $36,613,000 | 1,967 |
| Average total loans | $322,650,670 | 1,391 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 1,129 |
| Cost of funding earning assets | 0.7278% | 746 |
| Net interest margin | 3.9181% | 1,827 |
| Noninterest income to average assets | 0.4080% | 3,935 |
| Noninterest expense to average assets | 2.2443% | 5,026 |
| Loan and lease loss provision to assets | 0.0623% | 2,680 |
| Net operating income to assets | 1.1495% | 1,705 |
| Return on assets (ROA) | 1.1495% | 1,811 |
| Pretax return on assets | 1.8342% | 815 |
| Return on Equity (ROE) | 11.6525% | 1,439 |
| Retained earnings to average equity (ytd only) | 11.6525% | 619 |
| Net charge-offs to loans | -0.0062% | 4,559 |
| Credit loss provision to net charge-offs | -1,140.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1997% | 5,664 |
| Assets per employee ($millions) | 8.4047% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 3,295 |
| Loan loss allowance to noncurrent loans | 969.0745% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 5,428 |
| Noncurrent loans to loans | 0.1365% | 5,288 |
| Net loans and leases to total assets | 86.6190% | 159 |
| Net loans and leases to deposits | 104.5468% | 348 |
| Net loans and leases to core deposits | 111.0598% | 703 |
| Total domestic deposits to total assets | 82.8519% | 4,219 |
| Equity capital to assets | 9.9041% | 4,264 |
| Core capital (leverage) ratio | 9.9565% | 3,656 |
| Tier 1 risk-based capital ratio | 11.3350% | 5,639 |
| Total risk-based capital ratio | 12.5858% | 5,551 |
| Memoranda: | ||
| Average total assets | $365,724,500 | 1,819 |
| Average earning assets | $348,433,000 | 1,764 |
| Average equity | $36,078,000 | 2,009 |
| Average total loans | $320,216,000 | 1,400 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 1,131 |
| Cost of funding earning assets | 0.7817% | 713 |
| Net interest margin | 4.0090% | 1,875 |
| Noninterest income to average assets | 0.3399% | 4,675 |
| Noninterest expense to average assets | 2.3143% | 5,077 |
| Loan and lease loss provision to assets | 0.0381% | 3,817 |
| Net operating income to assets | 1.1307% | 1,864 |
| Return on assets (ROA) | 1.1307% | 1,919 |
| Pretax return on assets | 1.7783% | 833 |
| Return on Equity (ROE) | 11.9003% | 1,444 |
| Retained earnings to average equity (ytd only) | 10.1161% | 497 |
| Net charge-offs to loans | -0.0274% | 5,768 |
| Credit loss provision to net charge-offs | -162.6506% | 5,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0260% | 5,662 |
| Assets per employee ($millions) | 8.8205% | 376 |
| Cash dividends to net income (ytd only)* | 14.9925% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 3,235 |
| Loan loss allowance to noncurrent loans | 1,578.7313% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 4,093 |
| Noncurrent loans to loans | 0.0849% | 5,546 |
| Net loans and leases to total assets | 86.1584% | 198 |
| Net loans and leases to deposits | 105.8405% | 364 |
| Net loans and leases to core deposits | 111.0820% | 729 |
| Total domestic deposits to total assets | 81.4040% | 4,626 |
| Equity capital to assets | 9.8246% | 4,315 |
| Core capital (leverage) ratio | 10.0376% | 3,523 |
| Tier 1 risk-based capital ratio | 11.5082% | 5,656 |
| Total risk-based capital ratio | 12.7598% | 5,573 |
| Memoranda: | ||
| Average total assets | $353,928,000 | 1,843 |
| Average earning assets | $334,674,800 | 1,794 |
| Average equity | $33,629,400 | 2,071 |
| Average total loans | $302,807,000 | 1,416 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8364% | 1,044 |
| Cost of funding earning assets | 0.8049% | 668 |
| Net interest margin | 4.0315% | 1,786 |
| Noninterest income to average assets | 0.3780% | 4,413 |
| Noninterest expense to average assets | 2.3496% | 4,966 |
| Loan and lease loss provision to assets | 0.0326% | 3,755 |
| Net operating income to assets | 1.1466% | 1,880 |
| Return on assets (ROA) | 1.1466% | 1,936 |
| Pretax return on assets | 1.8037% | 887 |
| Return on Equity (ROE) | 12.1731% | 1,433 |
| Retained earnings to average equity (ytd only) | 9.7602% | 764 |
| Net charge-offs to loans | -0.0249% | 5,677 |
| Credit loss provision to net charge-offs | -153.5714% | 5,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1307% | 5,648 |
| Assets per employee ($millions) | 8.6019% | 396 |
| Cash dividends to net income (ytd only)* | 19.8216% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 3,382 |
| Loan loss allowance to noncurrent loans | 1,306.6038% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 4,087 |
| Noncurrent loans to loans | 0.1036% | 5,626 |
| Net loans and leases to total assets | 85.8304% | 204 |
| Net loans and leases to deposits | 102.0067% | 502 |
| Net loans and leases to core deposits | 106.7457% | 913 |
| Total domestic deposits to total assets | 84.1419% | 3,703 |
| Equity capital to assets | 9.7619% | 4,466 |
| Core capital (leverage) ratio | 9.7486% | 3,999 |
| Tier 1 risk-based capital ratio | 11.5977% | 5,741 |
| Total risk-based capital ratio | 12.8496% | 5,654 |
| Memoranda: | ||
| Average total assets | $351,999,500 | 1,865 |
| Average earning assets | $332,471,000 | 1,816 |
| Average equity | $33,154,250 | 2,106 |
| Average total loans | $299,554,750 | 1,433 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 1,034 |
| Cost of funding earning assets | 0.8323% | 605 |
| Net interest margin | 3.9899% | 1,837 |
| Noninterest income to average assets | 0.3724% | 4,456 |
| Noninterest expense to average assets | 2.2168% | 5,370 |
| Loan and lease loss provision to assets | 0.0489% | 3,327 |
| Net operating income to assets | 1.1883% | 1,627 |
| Return on assets (ROA) | 1.1883% | 1,699 |
| Pretax return on assets | 1.8705% | 728 |
| Return on Equity (ROE) | 12.7713% | 1,238 |
| Retained earnings to average equity (ytd only) | 9.1049% | 955 |
| Net charge-offs to loans | -0.0330% | 5,720 |
| Credit loss provision to net charge-offs | -175.5102% | 5,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5945% | 5,944 |
| Assets per employee ($millions) | 8.7422% | 361 |
| Cash dividends to net income (ytd only)* | 28.7081% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 3,493 |
| Loan loss allowance to noncurrent loans | 2,747.0199% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 4,409 |
| Noncurrent loans to loans | 0.0498% | 5,900 |
| Net loans and leases to total assets | 81.4251% | 531 |
| Net loans and leases to deposits | 101.5127% | 478 |
| Net loans and leases to core deposits | 106.4545% | 872 |
| Total domestic deposits to total assets | 80.2118% | 5,194 |
| Equity capital to assets | 9.1170% | 5,188 |
| Core capital (leverage) ratio | 9.2346% | 4,688 |
| Tier 1 risk-based capital ratio | 11.4476% | 5,827 |
| Total risk-based capital ratio | 12.6997% | 5,783 |
| Memoranda: | ||
| Average total assets | $351,773,670 | 1,865 |
| Average earning assets | $331,838,000 | 1,818 |
| Average equity | $32,729,670 | 2,118 |
| Average total loans | $297,120,000 | 1,444 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 865 |
| Cost of funding earning assets | 0.8371% | 622 |
| Net interest margin | 4.0682% | 1,550 |
| Noninterest income to average assets | 0.2778% | 5,147 |
| Noninterest expense to average assets | 2.2425% | 5,347 |
| Loan and lease loss provision to assets | 0.1000% | 2,256 |
| Net operating income to assets | 1.1207% | 1,731 |
| Return on assets (ROA) | 1.1207% | 1,796 |
| Pretax return on assets | 1.7601% | 859 |
| Return on Equity (ROE) | 11.9171% | 1,431 |
| Retained earnings to average equity (ytd only) | 11.9171% | 621 |
| Net charge-offs to loans | 0.0054% | 3,550 |
| Credit loss provision to net charge-offs | 2,150.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 115 |
| Efficiency ratio | 54.6614% | 5,956 |
| Assets per employee ($millions) | 8.7675% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 3,817 |
| Loan loss allowance to noncurrent loans | 1,106.7568% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 4,208 |
| Noncurrent loans to loans | 0.1225% | 5,744 |
| Net loans and leases to total assets | 82.8774% | 305 |
| Net loans and leases to deposits | 105.4413% | 247 |
| Net loans and leases to core deposits | 109.3751% | 612 |
| Total domestic deposits to total assets | 78.6005% | 5,738 |
| Equity capital to assets | 9.1458% | 4,944 |
| Core capital (leverage) ratio | 9.5650% | 4,185 |
| Tier 1 risk-based capital ratio | 11.2839% | 6,027 |
| Total risk-based capital ratio | 12.5356% | 5,973 |
| Memoranda: | ||
| Average total assets | $344,074,000 | 1,906 |
| Average earning assets | $323,487,000 | 1,863 |
| Average equity | $32,357,000 | 2,130 |
| Average total loans | $294,120,500 | 1,459 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 872 |
| Cost of funding earning assets | 0.8504% | 947 |
| Net interest margin | 4.1751% | 1,432 |
| Noninterest income to average assets | 0.1717% | 6,056 |
| Noninterest expense to average assets | 2.4304% | 4,990 |
| Loan and lease loss provision to assets | 0.0963% | 3,196 |
| Net operating income to assets | 0.9821% | 2,408 |
| Return on assets (ROA) | 0.9666% | 2,551 |
| Pretax return on assets | 1.5116% | 1,408 |
| Return on Equity (ROE) | 10.2408% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.2661% | 719 |
| Net charge-offs to loans | 0.0044% | 5,395 |
| Credit loss provision to net charge-offs | 2,616.6667% | 87 |
| Earnings coverage of net charge-offs (x) | 443.5000% | 91 |
| Efficiency ratio | 59.8249% | 5,495 |
| Assets per employee ($millions) | 7.8258% | 516 |
| Cash dividends to net income (ytd only)* | 9.5178% | 4,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 3,645 |
| Loan loss allowance to noncurrent loans | 1,250.1558% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 4,183 |
| Noncurrent loans to loans | 0.1121% | 5,866 |
| Net loans and leases to total assets | 85.8632% | 162 |
| Net loans and leases to deposits | 111.6078% | 146 |
| Net loans and leases to core deposits | 115.8170% | 429 |
| Total domestic deposits to total assets | 76.9330% | 5,982 |
| Equity capital to assets | 9.6866% | 4,177 |
| Core capital (leverage) ratio | 9.7767% | 3,872 |
| Tier 1 risk-based capital ratio | 11.5619% | 5,874 |
| Total risk-based capital ratio | 12.8142% | 5,813 |
| Memoranda: | ||
| Average total assets | $326,079,800 | 1,976 |
| Average earning assets | $303,874,000 | 1,949 |
| Average equity | $30,778,800 | 2,211 |
| Average total loans | $271,335,000 | 1,548 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 929 |
| Cost of funding earning assets | 0.8502% | 1,045 |
| Net interest margin | 4.1573% | 1,461 |
| Noninterest income to average assets | 0.2942% | 5,347 |
| Noninterest expense to average assets | 2.4582% | 4,847 |
| Loan and lease loss provision to assets | 0.0643% | 3,770 |
| Net operating income to assets | 1.0480% | 2,190 |
| Return on assets (ROA) | 1.0509% | 2,262 |
| Pretax return on assets | 1.6466% | 1,226 |
| Return on Equity (ROE) | 11.2077% | 1,746 |
| Retained earnings to average equity (ytd only) | 11.2077% | 534 |
| Net charge-offs to loans | -0.0045% | 5,772 |
| Credit loss provision to net charge-offs | -1,744.4444% | 6,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0261% | 5,550 |
| Assets per employee ($millions) | 7.6611% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,854 |
| Loan loss allowance to noncurrent loans | 1,014.9215% | 463 |
| Noncurrent assets plus other real estate owned to assets | 1.6018% | 2,545 |
| Noncurrent loans to loans | 0.1389% | 5,910 |
| Net loans and leases to total assets | 84.2892% | 230 |
| Net loans and leases to deposits | 105.8586% | 244 |
| Net loans and leases to core deposits | 109.7561% | 584 |
| Total domestic deposits to total assets | 79.6243% | 5,601 |
| Equity capital to assets | 9.8112% | 4,161 |
| Core capital (leverage) ratio | 9.6939% | 4,113 |
| Tier 1 risk-based capital ratio | 11.7495% | 5,926 |
| Total risk-based capital ratio | 13.0018% | 5,880 |
| Memoranda: | ||
| Average total assets | $325,429,250 | 1,993 |
| Average earning assets | $302,980,000 | 1,965 |
| Average equity | $30,514,000 | 2,244 |
| Average total loans | $267,611,250 | 1,569 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 1,004 |
| Cost of funding earning assets | 0.8430% | 1,183 |
| Net interest margin | 4.1054% | 1,523 |
| Noninterest income to average assets | 0.3698% | 4,753 |
| Noninterest expense to average assets | 2.4907% | 4,771 |
| Loan and lease loss provision to assets | 0.0961% | 3,187 |
| Net operating income to assets | 1.0249% | 2,219 |
| Return on assets (ROA) | 1.0292% | 2,323 |
| Pretax return on assets | 1.6121% | 1,336 |
| Return on Equity (ROE) | 11.1464% | 1,770 |
| Retained earnings to average equity (ytd only) | 11.1464% | 618 |
| Net charge-offs to loans | 0.0234% | 4,372 |
| Credit loss provision to net charge-offs | 506.4516% | 541 |
| Earnings coverage of net charge-offs (x) | 89.6452% | 508 |
| Efficiency ratio | 59.4129% | 5,555 |
| Assets per employee ($millions) | 8.1467% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,998 |
| Loan loss allowance to noncurrent loans | 1,336.9338% | 372 |
| Noncurrent assets plus other real estate owned to assets | 2.0011% | 2,150 |
| Noncurrent loans to loans | 0.1053% | 6,080 |
| Net loans and leases to total assets | 80.4251% | 497 |
| Net loans and leases to deposits | 99.7753% | 441 |
| Net loans and leases to core deposits | 102.4019% | 919 |
| Total domestic deposits to total assets | 80.6063% | 5,450 |
| Equity capital to assets | 9.2167% | 4,969 |
| Core capital (leverage) ratio | 9.3872% | 4,405 |
| Tier 1 risk-based capital ratio | 11.5414% | 6,083 |
| Total risk-based capital ratio | 12.7936% | 6,046 |
| Memoranda: | ||
| Average total assets | $326,650,330 | 1,988 |
| Average earning assets | $304,138,000 | 1,966 |
| Average equity | $30,162,330 | 2,263 |
| Average total loans | $265,118,000 | 1,578 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 963 |
| Cost of funding earning assets | 0.8338% | 1,345 |
| Net interest margin | 4.1293% | 1,378 |
| Noninterest income to average assets | 0.4372% | 4,202 |
| Noninterest expense to average assets | 2.5464% | 4,584 |
| Loan and lease loss provision to assets | 0.1944% | 1,907 |
| Net operating income to assets | 0.9858% | 2,289 |
| Return on assets (ROA) | 0.9945% | 2,366 |
| Pretax return on assets | 1.5556% | 1,409 |
| Return on Equity (ROE) | 10.7601% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.7601% | 924 |
| Net charge-offs to loans | 0.1545% | 2,476 |
| Credit loss provision to net charge-offs | 155.4455% | 1,328 |
| Earnings coverage of net charge-offs (x) | 13.8812% | 1,493 |
| Efficiency ratio | 59.4563% | 5,661 |
| Assets per employee ($millions) | 7.6760% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 4,276 |
| Loan loss allowance to noncurrent loans | 1,652.1930% | 311 |
| Noncurrent assets plus other real estate owned to assets | 2.3356% | 1,988 |
| Noncurrent loans to loans | 0.0843% | 6,230 |
| Net loans and leases to total assets | 80.8213% | 364 |
| Net loans and leases to deposits | 100.4466% | 332 |
| Net loans and leases to core deposits | 103.1155% | 761 |
| Total domestic deposits to total assets | 80.4620% | 5,647 |
| Equity capital to assets | 9.1571% | 5,303 |
| Core capital (leverage) ratio | 9.4890% | 4,105 |
| Tier 1 risk-based capital ratio | 11.3305% | 6,265 |
| Total risk-based capital ratio | 12.5826% | 6,243 |
| Memoranda: | ||
| Average total assets | $322,968,000 | 2,030 |
| Average earning assets | $300,775,000 | 2,008 |
| Average equity | $29,851,000 | 2,306 |
| Average total loans | $261,442,500 | 1,601 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2333% | 1,055 |
| Cost of funding earning assets | 0.9450% | 1,670 |
| Net interest margin | 4.2883% | 1,425 |
| Noninterest income to average assets | 0.0516% | 6,682 |
| Noninterest expense to average assets | 2.6078% | 4,712 |
| Loan and lease loss provision to assets | 0.2435% | 2,708 |
| Net operating income to assets | 0.7581% | 3,474 |
| Return on assets (ROA) | 0.7581% | 3,717 |
| Pretax return on assets | 1.1740% | 2,891 |
| Return on Equity (ROE) | 8.2570% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.2570% | 1,046 |
| Net charge-offs to loans | 0.2981% | 3,155 |
| Credit loss provision to net charge-offs | 101.3514% | 2,986 |
| Earnings coverage of net charge-offs (x) | 5.9000% | 2,919 |
| Efficiency ratio | 64.7846% | 4,742 |
| Assets per employee ($millions) | 7.7040% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 3,865 |
| Loan loss allowance to noncurrent loans | 423.0331% | 949 |
| Noncurrent assets plus other real estate owned to assets | 2.6714% | 1,807 |
| Noncurrent loans to loans | 0.3475% | 5,615 |
| Net loans and leases to total assets | 78.7172% | 593 |
| Net loans and leases to deposits | 96.2796% | 600 |
| Net loans and leases to core deposits | 99.0973% | 1,077 |
| Total domestic deposits to total assets | 81.7590% | 5,175 |
| Equity capital to assets | 9.3321% | 5,104 |
| Core capital (leverage) ratio | 9.4251% | 4,220 |
| Tier 1 risk-based capital ratio | 11.8738% | 5,859 |
| Total risk-based capital ratio | 13.1269% | 5,817 |
| Memoranda: | ||
| Average total assets | $308,002,200 | 2,089 |
| Average earning assets | $285,405,600 | 2,073 |
| Average equity | $28,279,200 | 2,374 |
| Average total loans | $248,261,600 | 1,659 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2839% | 1,040 |
| Cost of funding earning assets | 0.9592% | 1,791 |
| Net interest margin | 4.3247% | 1,409 |
| Noninterest income to average assets | 0.0636% | 6,753 |
| Noninterest expense to average assets | 2.6188% | 4,676 |
| Loan and lease loss provision to assets | 0.3268% | 2,008 |
| Net operating income to assets | 0.7254% | 3,798 |
| Return on assets (ROA) | 0.7254% | 4,045 |
| Pretax return on assets | 1.1214% | 3,267 |
| Return on Equity (ROE) | 7.9341% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.9341% | 1,641 |
| Net charge-offs to loans | 0.3931% | 2,521 |
| Credit loss provision to net charge-offs | 102.8807% | 2,862 |
| Earnings coverage of net charge-offs (x) | 4.5597% | 3,271 |
| Efficiency ratio | 64.3921% | 4,744 |
| Assets per employee ($millions) | 7.4610% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 4,114 |
| Loan loss allowance to noncurrent loans | 198.3475% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 3.2831% | 1,553 |
| Noncurrent loans to loans | 0.7358% | 4,954 |
| Net loans and leases to total assets | 82.1328% | 335 |
| Net loans and leases to deposits | 100.9344% | 398 |
| Net loans and leases to core deposits | 104.6531% | 828 |
| Total domestic deposits to total assets | 81.3725% | 5,242 |
| Equity capital to assets | 9.4390% | 5,277 |
| Core capital (leverage) ratio | 9.4139% | 4,411 |
| Tier 1 risk-based capital ratio | 11.4126% | 6,280 |
| Total risk-based capital ratio | 12.6657% | 6,244 |
| Memoranda: | ||
| Average total assets | $306,036,250 | 2,122 |
| Average earning assets | $283,296,000 | 2,106 |
| Average equity | $27,979,750 | 2,410 |
| Average total loans | $247,239,250 | 1,679 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3015% | 1,055 |
| Cost of funding earning assets | 0.9674% | 1,951 |
| Net interest margin | 4.3340% | 1,383 |
| Noninterest income to average assets | 0.0464% | 6,867 |
| Noninterest expense to average assets | 2.4758% | 5,220 |
| Loan and lease loss provision to assets | 0.4339% | 1,501 |
| Net operating income to assets | 0.7508% | 3,599 |
| Return on assets (ROA) | 0.7508% | 3,876 |
| Pretax return on assets | 1.1618% | 3,078 |
| Return on Equity (ROE) | 8.3015% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.3015% | 1,523 |
| Net charge-offs to loans | 0.5428% | 1,967 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 3.6777% | 3,305 |
| Efficiency ratio | 60.8089% | 5,449 |
| Assets per employee ($millions) | 7.6080% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 4,032 |
| Loan loss allowance to noncurrent loans | 110.9113% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 4.1042% | 1,226 |
| Noncurrent loans to loans | 1.3472% | 3,907 |
| Net loans and leases to total assets | 80.1545% | 489 |
| Net loans and leases to deposits | 98.3208% | 508 |
| Net loans and leases to core deposits | 101.8344% | 987 |
| Total domestic deposits to total assets | 81.5235% | 5,288 |
| Equity capital to assets | 9.2905% | 5,335 |
| Core capital (leverage) ratio | 9.2507% | 4,525 |
| Tier 1 risk-based capital ratio | 11.3804% | 6,293 |
| Total risk-based capital ratio | 12.6335% | 6,263 |
| Memoranda: | ||
| Average total assets | $306,081,000 | 2,120 |
| Average earning assets | $284,261,670 | 2,098 |
| Average equity | $27,681,670 | 2,425 |
| Average total loans | $244,663,330 | 1,692 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3965% | 918 |
| Cost of funding earning assets | 0.9776% | 2,119 |
| Net interest margin | 4.4189% | 1,186 |
| Noninterest income to average assets | 0.1551% | 6,470 |
| Noninterest expense to average assets | 2.3899% | 5,505 |
| Loan and lease loss provision to assets | 0.2932% | 2,124 |
| Net operating income to assets | 1.0203% | 2,397 |
| Return on assets (ROA) | 1.0203% | 2,590 |
| Pretax return on assets | 1.5950% | 1,596 |
| Return on Equity (ROE) | 11.4365% | 1,859 |
| Retained earnings to average equity (ytd only) | 11.4365% | 935 |
| Net charge-offs to loans | 0.1990% | 2,928 |
| Credit loss provision to net charge-offs | 185.9504% | 1,412 |
| Earnings coverage of net charge-offs (x) | 11.9752% | 1,632 |
| Efficiency ratio | 55.8635% | 6,136 |
| Assets per employee ($millions) | 7.3987% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 3,763 |
| Loan loss allowance to noncurrent loans | 56.9291% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 4.4101% | 1,223 |
| Noncurrent loans to loans | 2.7928% | 2,321 |
| Net loans and leases to total assets | 77.6183% | 625 |
| Net loans and leases to deposits | 95.0860% | 593 |
| Net loans and leases to core deposits | 98.5930% | 1,082 |
| Total domestic deposits to total assets | 81.6296% | 5,414 |
| Equity capital to assets | 9.1654% | 5,274 |
| Core capital (leverage) ratio | 9.1312% | 4,636 |
| Tier 1 risk-based capital ratio | 11.9499% | 5,991 |
| Total risk-based capital ratio | 13.2049% | 5,987 |
| Memoranda: | ||
| Average total assets | $306,961,000 | 2,117 |
| Average earning assets | $286,408,500 | 2,086 |
| Average equity | $27,386,000 | 2,446 |
| Average total loans | $243,181,500 | 1,701 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2274% | 1,953 |
| Cost of funding earning assets | 1.3645% | 1,184 |
| Net interest margin | 3.8629% | 3,506 |
| Noninterest income to average assets | 0.2673% | 5,605 |
| Noninterest expense to average assets | 2.5659% | 5,220 |
| Loan and lease loss provision to assets | 0.7536% | 1,335 |
| Net operating income to assets | 0.3796% | 4,948 |
| Return on assets (ROA) | 0.3856% | 5,090 |
| Pretax return on assets | 0.5747% | 4,766 |
| Return on Equity (ROE) | 4.3870% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.3870% | 3,054 |
| Net charge-offs to loans | 0.9092% | 1,909 |
| Credit loss provision to net charge-offs | 102.9412% | 3,359 |
| Earnings coverage of net charge-offs (x) | 1.8023% | 4,435 |
| Efficiency ratio | 66.0414% | 4,765 |
| Assets per employee ($millions) | 7.7644% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 4,040 |
| Loan loss allowance to noncurrent loans | 50.2854% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 4.1706% | 1,359 |
| Noncurrent loans to loans | 2.9777% | 2,180 |
| Net loans and leases to total assets | 78.3728% | 669 |
| Net loans and leases to deposits | 95.1708% | 733 |
| Net loans and leases to core deposits | 99.8073% | 1,198 |
| Total domestic deposits to total assets | 82.3496% | 5,010 |
| Equity capital to assets | 8.6835% | 5,918 |
| Core capital (leverage) ratio | 8.5772% | 5,433 |
| Tier 1 risk-based capital ratio | 11.3524% | 6,254 |
| Total risk-based capital ratio | 12.6064% | 6,240 |
| Memoranda: | ||
| Average total assets | $301,886,400 | 2,121 |
| Average earning assets | $282,740,200 | 2,074 |
| Average equity | $26,532,800 | 2,431 |
| Average total loans | $243,069,200 | 1,720 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3283% | 1,763 |
| Cost of funding earning assets | 1.3722% | 1,362 |
| Net interest margin | 3.9561% | 3,125 |
| Noninterest income to average assets | 0.1779% | 6,316 |
| Noninterest expense to average assets | 2.5877% | 5,129 |
| Loan and lease loss provision to assets | 0.7603% | 1,249 |
| Net operating income to assets | 0.3616% | 5,153 |
| Return on assets (ROA) | 0.3697% | 5,314 |
| Pretax return on assets | 0.5485% | 4,981 |
| Return on Equity (ROE) | 4.1931% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.1931% | 3,749 |
| Net charge-offs to loans | 0.8047% | 1,949 |
| Credit loss provision to net charge-offs | 116.9747% | 2,791 |
| Earnings coverage of net charge-offs (x) | 1.9952% | 4,155 |
| Efficiency ratio | 66.6170% | 4,600 |
| Assets per employee ($millions) | 7.6094% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 3,859 |
| Loan loss allowance to noncurrent loans | 56.8688% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 3.4103% | 1,854 |
| Noncurrent loans to loans | 2.7385% | 2,558 |
| Net loans and leases to total assets | 80.6416% | 450 |
| Net loans and leases to deposits | 98.1572% | 568 |
| Net loans and leases to core deposits | 103.1029% | 1,030 |
| Total domestic deposits to total assets | 82.1556% | 5,031 |
| Equity capital to assets | 8.7517% | 6,029 |
| Core capital (leverage) ratio | 8.8077% | 5,253 |
| Tier 1 risk-based capital ratio | 11.3794% | 6,312 |
| Total risk-based capital ratio | 12.6346% | 6,306 |
| Memoranda: | ||
| Average total assets | $299,714,000 | 2,146 |
| Average earning assets | $280,806,750 | 2,094 |
| Average equity | $26,423,750 | 2,445 |
| Average total loans | $242,059,750 | 1,744 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3697% | 1,653 |
| Cost of funding earning assets | 1.3856% | 1,480 |
| Net interest margin | 3.9841% | 2,919 |
| Noninterest income to average assets | 0.1241% | 6,709 |
| Noninterest expense to average assets | 2.5610% | 5,323 |
| Loan and lease loss provision to assets | 0.3072% | 2,956 |
| Net operating income to assets | 0.6419% | 3,842 |
| Return on assets (ROA) | 0.6419% | 3,965 |
| Pretax return on assets | 0.9860% | 3,288 |
| Return on Equity (ROE) | 7.2631% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.2631% | 1,759 |
| Net charge-offs to loans | 0.2404% | 3,685 |
| Credit loss provision to net charge-offs | 159.0278% | 1,911 |
| Earnings coverage of net charge-offs (x) | 6.6944% | 2,352 |
| Efficiency ratio | 66.4462% | 4,788 |
| Assets per employee ($millions) | 7.1901% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 3,838 |
| Loan loss allowance to noncurrent loans | 61.4701% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 3.4164% | 1,933 |
| Noncurrent loans to loans | 2.5491% | 2,833 |
| Net loans and leases to total assets | 79.1529% | 629 |
| Net loans and leases to deposits | 96.6090% | 678 |
| Net loans and leases to core deposits | 102.0828% | 1,171 |
| Total domestic deposits to total assets | 81.9312% | 5,194 |
| Equity capital to assets | 8.8839% | 5,725 |
| Core capital (leverage) ratio | 8.9718% | 4,767 |
| Tier 1 risk-based capital ratio | 11.5425% | 6,140 |
| Total risk-based capital ratio | 12.7975% | 6,126 |
| Memoranda: | ||
| Average total assets | $298,160,330 | 2,162 |
| Average earning assets | $279,158,000 | 2,110 |
| Average equity | $26,352,330 | 2,436 |
| Average total loans | $239,634,330 | 1,777 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4213% | 1,498 |
| Cost of funding earning assets | 1.4109% | 1,556 |
| Net interest margin | 4.0104% | 2,645 |
| Noninterest income to average assets | 0.0149% | 7,262 |
| Noninterest expense to average assets | 2.3791% | 5,956 |
| Loan and lease loss provision to assets | 0.0635% | 5,197 |
| Net operating income to assets | 0.8533% | 2,764 |
| Return on assets (ROA) | 0.8533% | 2,827 |
| Pretax return on assets | 1.3259% | 1,957 |
| Return on Equity (ROE) | 9.6804% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.6804% | 1,187 |
| Net charge-offs to loans | 0.0605% | 4,321 |
| Credit loss provision to net charge-offs | 130.5556% | 2,118 |
| Earnings coverage of net charge-offs (x) | 28.5833% | 856 |
| Efficiency ratio | 63.1315% | 5,498 |
| Assets per employee ($millions) | 7.1930% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,974 |
| Loan loss allowance to noncurrent loans | 57.0490% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 3.8374% | 1,746 |
| Noncurrent loans to loans | 2.7140% | 2,782 |
| Net loans and leases to total assets | 80.5772% | 466 |
| Net loans and leases to deposits | 99.2937% | 512 |
| Net loans and leases to core deposits | 115.3734% | 548 |
| Total domestic deposits to total assets | 81.1504% | 5,621 |
| Equity capital to assets | 9.1920% | 4,882 |
| Core capital (leverage) ratio | 9.0046% | 4,607 |
| Tier 1 risk-based capital ratio | 11.7091% | 5,935 |
| Total risk-based capital ratio | 12.9637% | 5,932 |
| Memoranda: | ||
| Average total assets | $296,248,500 | 2,182 |
| Average earning assets | $277,278,000 | 2,134 |
| Average equity | $26,114,500 | 2,442 |
| Average total loans | $238,034,500 | 1,806 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6552% | 1,727 |
| Cost of funding earning assets | 1.9757% | 662 |
| Net interest margin | 3.6795% | 4,448 |
| Noninterest income to average assets | -0.1818% | 7,460 |
| Noninterest expense to average assets | 2.3156% | 6,313 |
| Loan and lease loss provision to assets | 0.5636% | 2,871 |
| Net operating income to assets | 0.2609% | 5,071 |
| Return on assets (ROA) | 0.2571% | 5,241 |
| Pretax return on assets | 0.3679% | 5,035 |
| Return on Equity (ROE) | 3.0526% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.0526% | 3,714 |
| Net charge-offs to loans | 0.8684% | 2,457 |
| Credit loss provision to net charge-offs | 77.6654% | 5,644 |
| Earnings coverage of net charge-offs (x) | 1.2909% | 4,810 |
| Efficiency ratio | 71.1957% | 3,952 |
| Assets per employee ($millions) | 7.8148% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 3,950 |
| Loan loss allowance to noncurrent loans | 47.7410% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 3.6545% | 1,886 |
| Noncurrent loans to loans | 3.1648% | 2,402 |
| Net loans and leases to total assets | 77.7458% | 981 |
| Net loans and leases to deposits | 94.2732% | 1,037 |
| Net loans and leases to core deposits | 111.9758% | 815 |
| Total domestic deposits to total assets | 82.4686% | 5,029 |
| Equity capital to assets | 8.4593% | 5,908 |
| Core capital (leverage) ratio | 8.1602% | 5,895 |
| Tier 1 risk-based capital ratio | 10.8330% | 6,462 |
| Total risk-based capital ratio | 12.0863% | 6,430 |
| Memoranda: | ||
| Average total assets | $299,838,200 | 2,149 |
| Average earning assets | $279,846,400 | 2,110 |
| Average equity | $25,256,800 | 2,524 |
| Average total loans | $250,569,800 | 1,757 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6507% | 1,882 |
| Cost of funding earning assets | 1.9734% | 816 |
| Net interest margin | 3.6774% | 4,512 |
| Noninterest income to average assets | 0.0406% | 7,316 |
| Noninterest expense to average assets | 2.2531% | 6,457 |
| Loan and lease loss provision to assets | 0.7046% | 2,174 |
| Net operating income to assets | 0.3455% | 4,991 |
| Return on assets (ROA) | 0.3407% | 5,181 |
| Pretax return on assets | 0.5023% | 4,913 |
| Return on Equity (ROE) | 4.0489% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.0489% | 3,625 |
| Net charge-offs to loans | 0.9441% | 2,106 |
| Credit loss provision to net charge-offs | 88.0580% | 4,851 |
| Earnings coverage of net charge-offs (x) | 1.5173% | 4,587 |
| Efficiency ratio | 64.9839% | 5,056 |
| Assets per employee ($millions) | 7.8664% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,685 |
| Loan loss allowance to noncurrent loans | 49.6379% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 5.2893% | 1,179 |
| Noncurrent loans to loans | 3.1514% | 2,526 |
| Net loans and leases to total assets | 80.1376% | 727 |
| Net loans and leases to deposits | 97.1402% | 872 |
| Net loans and leases to core deposits | 114.9076% | 800 |
| Total domestic deposits to total assets | 82.4968% | 4,802 |
| Equity capital to assets | 8.4165% | 6,375 |
| Core capital (leverage) ratio | 8.5302% | 5,451 |
| Tier 1 risk-based capital ratio | 10.3596% | 6,857 |
| Total risk-based capital ratio | 11.6137% | 6,849 |
| Memoranda: | ||
| Average total assets | $298,603,250 | 2,193 |
| Average earning assets | $278,233,500 | 2,160 |
| Average equity | $25,125,500 | 2,573 |
| Average total loans | $253,065,500 | 1,766 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7033% | 1,748 |
| Cost of funding earning assets | 1.9763% | 962 |
| Net interest margin | 3.7270% | 4,243 |
| Noninterest income to average assets | -0.0622% | 7,600 |
| Noninterest expense to average assets | 2.2956% | 6,366 |
| Loan and lease loss provision to assets | 0.3454% | 3,658 |
| Net operating income to assets | 0.5144% | 4,263 |
| Return on assets (ROA) | 0.5144% | 4,418 |
| Pretax return on assets | 0.7807% | 3,948 |
| Return on Equity (ROE) | 6.1140% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.1140% | 2,271 |
| Net charge-offs to loans | 0.4344% | 3,251 |
| Credit loss provision to net charge-offs | 92.5725% | 4,345 |
| Earnings coverage of net charge-offs (x) | 3.0181% | 3,489 |
| Efficiency ratio | 67.0881% | 4,745 |
| Assets per employee ($millions) | 7.5066% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 3,464 |
| Loan loss allowance to noncurrent loans | 65.3218% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 3.8023% | 1,831 |
| Noncurrent loans to loans | 2.4429% | 3,202 |
| Net loans and leases to total assets | 83.7942% | 373 |
| Net loans and leases to deposits | 101.9193% | 601 |
| Net loans and leases to core deposits | 126.7108% | 493 |
| Total domestic deposits to total assets | 82.2162% | 4,900 |
| Equity capital to assets | 8.5708% | 6,063 |
| Core capital (leverage) ratio | 8.5995% | 5,236 |
| Tier 1 risk-based capital ratio | 10.2627% | 6,868 |
| Total risk-based capital ratio | 11.5176% | 6,845 |
| Memoranda: | ||
| Average total assets | $295,874,330 | 2,227 |
| Average earning assets | $276,577,330 | 2,183 |
| Average equity | $24,893,670 | 2,603 |
| Average total loans | $254,167,000 | 1,784 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7774% | 1,531 |
| Cost of funding earning assets | 1.9767% | 1,166 |
| Net interest margin | 3.8007% | 3,793 |
| Noninterest income to average assets | -0.1471% | 7,776 |
| Noninterest expense to average assets | 2.3195% | 6,326 |
| Loan and lease loss provision to assets | 0.1880% | 4,623 |
| Net operating income to assets | 0.5911% | 3,930 |
| Return on assets (ROA) | 0.5911% | 4,079 |
| Pretax return on assets | 0.9044% | 3,456 |
| Return on Equity (ROE) | 7.0935% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.0935% | 2,095 |
| Net charge-offs to loans | 0.0742% | 4,671 |
| Credit loss provision to net charge-offs | 293.6170% | 1,351 |
| Earnings coverage of net charge-offs (x) | 17.0638% | 1,305 |
| Efficiency ratio | 67.9840% | 4,727 |
| Assets per employee ($millions) | 7.3457% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 3,224 |
| Loan loss allowance to noncurrent loans | 63.9636% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 4.1606% | 1,635 |
| Noncurrent loans to loans | 2.5900% | 3,081 |
| Net loans and leases to total assets | 85.0959% | 281 |
| Net loans and leases to deposits | 105.8390% | 430 |
| Net loans and leases to core deposits | 133.6623% | 412 |
| Total domestic deposits to total assets | 80.4013% | 5,654 |
| Equity capital to assets | 8.5309% | 5,957 |
| Core capital (leverage) ratio | 8.4998% | 5,376 |
| Tier 1 risk-based capital ratio | 10.0481% | 6,999 |
| Total risk-based capital ratio | 11.3037% | 6,989 |
| Memoranda: | ||
| Average total assets | $293,680,500 | 2,284 |
| Average earning assets | $275,004,000 | 2,243 |
| Average equity | $24,473,000 | 2,669 |
| Average total loans | $253,409,500 | 1,842 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9062% | 2,203 |
| Cost of funding earning assets | 2.2884% | 1,703 |
| Net interest margin | 3.6179% | 4,484 |
| Noninterest income to average assets | 0.1376% | 7,062 |
| Noninterest expense to average assets | 2.4363% | 6,348 |
| Loan and lease loss provision to assets | 0.8977% | 2,507 |
| Net operating income to assets | 0.1712% | 4,993 |
| Return on assets (ROA) | 0.1292% | 5,174 |
| Pretax return on assets | 0.1601% | 5,088 |
| Return on Equity (ROE) | 1.6544% | 5,035 |
| Retained earnings to average equity (ytd only) | 1.6544% | 3,923 |
| Net charge-offs to loans | 0.8764% | 2,646 |
| Credit loss provision to net charge-offs | 115.8156% | 4,696 |
| Earnings coverage of net charge-offs (x) | 1.4315% | 4,691 |
| Efficiency ratio | 68.7080% | 4,883 |
| Assets per employee ($millions) | 7.5265% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 3,158 |
| Loan loss allowance to noncurrent loans | 58.6536% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 4.1835% | 1,558 |
| Noncurrent loans to loans | 2.7818% | 2,777 |
| Net loans and leases to total assets | 84.6414% | 383 |
| Net loans and leases to deposits | 104.8245% | 608 |
| Net loans and leases to core deposits | 130.5684% | 1,249 |
| Total domestic deposits to total assets | 80.7457% | 5,424 |
| Equity capital to assets | 8.1353% | 6,421 |
| Core capital (leverage) ratio | 8.1152% | 5,964 |
| Tier 1 risk-based capital ratio | 9.7185% | 7,084 |
| Total risk-based capital ratio | 10.9738% | 7,061 |
| Memoranda: | ||
| Average total assets | $285,518,000 | 2,306 |
| Average earning assets | $268,969,400 | 2,245 |
| Average equity | $22,304,000 | 2,911 |
| Average total loans | $252,504,000 | 1,877 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9198% | 2,357 |
| Cost of funding earning assets | 2.3179% | 1,913 |
| Net interest margin | 3.6020% | 4,476 |
| Noninterest income to average assets | 0.0781% | 7,513 |
| Noninterest expense to average assets | 2.5423% | 5,932 |
| Loan and lease loss provision to assets | 0.7910% | 2,387 |
| Net operating income to assets | 0.1133% | 5,423 |
| Return on assets (ROA) | 0.1133% | 5,479 |
| Pretax return on assets | 0.1350% | 5,450 |
| Return on Equity (ROE) | 1.4666% | 5,345 |
| Retained earnings to average equity (ytd only) | 1.4666% | 4,493 |
| Net charge-offs to loans | 0.5370% | 3,070 |
| Credit loss provision to net charge-offs | 165.3884% | 2,849 |
| Earnings coverage of net charge-offs (x) | 1.9361% | 4,365 |
| Efficiency ratio | 73.3017% | 3,994 |
| Assets per employee ($millions) | 7.5990% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 2,660 |
| Loan loss allowance to noncurrent loans | 49.8875% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 4.0996% | 1,544 |
| Noncurrent loans to loans | 3.3908% | 2,223 |
| Net loans and leases to total assets | 84.8157% | 450 |
| Net loans and leases to deposits | 104.0615% | 772 |
| Net loans and leases to core deposits | 132.1896% | 1,322 |
| Total domestic deposits to total assets | 81.5053% | 4,876 |
| Equity capital to assets | 7.7034% | 7,144 |
| Core capital (leverage) ratio | 8.0887% | 6,204 |
| Tier 1 risk-based capital ratio | 9.2687% | 7,505 |
| Total risk-based capital ratio | 10.5247% | 7,493 |
| Memoranda: | ||
| Average total assets | $283,513,750 | 2,335 |
| Average earning assets | $266,848,250 | 2,275 |
| Average equity | $21,910,000 | 2,983 |
| Average total loans | $252,486,750 | 1,902 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9080% | 2,550 |
| Cost of funding earning assets | 2.3689% | 2,084 |
| Net interest margin | 3.5391% | 4,616 |
| Noninterest income to average assets | 0.5638% | 3,936 |
| Noninterest expense to average assets | 2.7076% | 5,359 |
| Loan and lease loss provision to assets | 0.8392% | 1,995 |
| Net operating income to assets | 0.2327% | 5,151 |
| Return on assets (ROA) | 0.2327% | 5,238 |
| Pretax return on assets | 0.3245% | 5,151 |
| Return on Equity (ROE) | 3.0082% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.0082% | 3,642 |
| Net charge-offs to loans | 0.6556% | 2,396 |
| Credit loss provision to net charge-offs | 142.1053% | 3,271 |
| Earnings coverage of net charge-offs (x) | 1.9706% | 4,107 |
| Efficiency ratio | 69.9403% | 4,795 |
| Assets per employee ($millions) | 7.0824% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 2,684 |
| Loan loss allowance to noncurrent loans | 59.5255% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 4.0089% | 1,480 |
| Noncurrent loans to loans | 2.7087% | 2,661 |
| Net loans and leases to total assets | 86.4734% | 333 |
| Net loans and leases to deposits | 106.2826% | 749 |
| Net loans and leases to core deposits | 140.2654% | 1,000 |
| Total domestic deposits to total assets | 81.3618% | 4,941 |
| Equity capital to assets | 7.3653% | 7,373 |
| Core capital (leverage) ratio | 7.8138% | 6,598 |
| Tier 1 risk-based capital ratio | 9.2320% | 7,584 |
| Total risk-based capital ratio | 10.4881% | 7,570 |
| Memoranda: | ||
| Average total assets | $276,699,000 | 2,405 |
| Average earning assets | $258,597,670 | 2,365 |
| Average equity | $21,408,330 | 3,050 |
| Average total loans | $249,235,670 | 1,951 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1819% | 1,652 |
| Cost of funding earning assets | 2.4276% | 2,183 |
| Net interest margin | 3.7543% | 3,636 |
| Noninterest income to average assets | 0.7782% | 2,439 |
| Noninterest expense to average assets | 2.4487% | 6,031 |
| Loan and lease loss provision to assets | 0.4032% | 2,908 |
| Net operating income to assets | 0.9116% | 2,651 |
| Return on assets (ROA) | 0.9116% | 2,796 |
| Pretax return on assets | 1.4037% | 1,954 |
| Return on Equity (ROE) | 11.4851% | 1,818 |
| Retained earnings to average equity (ytd only) | 11.4851% | 884 |
| Net charge-offs to loans | 0.3687% | 2,619 |
| Credit loss provision to net charge-offs | 119.8238% | 3,287 |
| Earnings coverage of net charge-offs (x) | 5.3700% | 2,686 |
| Efficiency ratio | 57.5409% | 6,757 |
| Assets per employee ($millions) | 7.8858% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 2,846 |
| Loan loss allowance to noncurrent loans | 263.1724% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 2.3185% | 2,478 |
| Noncurrent loans to loans | 0.5789% | 5,953 |
| Net loans and leases to total assets | 89.3755% | 169 |
| Net loans and leases to deposits | 111.2916% | 552 |
| Net loans and leases to core deposits | 156.7799% | 551 |
| Total domestic deposits to total assets | 80.3075% | 5,240 |
| Equity capital to assets | 7.8756% | 6,978 |
| Core capital (leverage) ratio | 8.1355% | 6,215 |
| Tier 1 risk-based capital ratio | 9.5672% | 7,373 |
| Total risk-based capital ratio | 10.8220% | 7,301 |
| Memoranda: | ||
| Average total assets | $269,860,000 | 2,463 |
| Average earning assets | $249,954,000 | 2,447 |
| Average equity | $21,419,000 | 3,058 |
| Average total loans | $246,246,500 | 1,984 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8268% | 1,595 |
| Cost of funding earning assets | 2.7623% | 2,867 |
| Net interest margin | 4.0645% | 2,851 |
| Noninterest income to average assets | 0.4263% | 5,246 |
| Noninterest expense to average assets | 2.4336% | 6,286 |
| Loan and lease loss provision to assets | 0.9900% | 1,489 |
| Net operating income to assets | 0.5561% | 4,499 |
| Return on assets (ROA) | 0.5561% | 4,354 |
| Pretax return on assets | 0.8364% | 3,939 |
| Return on Equity (ROE) | 6.2492% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.2492% | 1,405 |
| Net charge-offs to loans | 0.3072% | 3,346 |
| Credit loss provision to net charge-offs | 355.8104% | 1,256 |
| Earnings coverage of net charge-offs (x) | 6.5642% | 3,333 |
| Efficiency ratio | 57.1257% | 6,850 |
| Assets per employee ($millions) | 6.9399% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,409 |
| Loan loss allowance to noncurrent loans | 304.8504% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 1.6973% | 2,861 |
| Noncurrent loans to loans | 0.5112% | 5,822 |
| Net loans and leases to total assets | 90.3343% | 171 |
| Net loans and leases to deposits | 115.7498% | 536 |
| Net loans and leases to core deposits | 149.8735% | 861 |
| Total domestic deposits to total assets | 78.0428% | 5,701 |
| Equity capital to assets | 8.0014% | 6,842 |
| Core capital (leverage) ratio | 8.3766% | 5,806 |
| Tier 1 risk-based capital ratio | 9.6538% | 7,141 |
| Total risk-based capital ratio | 10.9091% | 7,027 |
| Memoranda: | ||
| Average total assets | $235,046,000 | 2,702 |
| Average earning assets | $221,699,600 | 2,637 |
| Average equity | $20,914,600 | 3,102 |
| Average total loans | $212,862,000 | 2,184 |