Home > Thurston First Bank > Performance and Condition Ratios
Thurston First Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6827% | 4,308 |
| Cost of funding earning assets | 0.4744% | 2,323 |
| Net interest margin | 3.2083% | 4,469 |
| Noninterest income to average assets | 0.1484% | 5,521 |
| Noninterest expense to average assets | 2.1600% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7080% | 3,800 |
| Return on assets (ROA) | 0.7080% | 3,938 |
| Pretax return on assets | 1.0399% | 3,472 |
| Return on Equity (ROE) | 7.4512% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.4512% | 1,422 |
| Net charge-offs to loans | -0.2355% | 5,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5024% | 3,316 |
| Assets per employee ($millions) | 7.8414% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 2,144 |
| Loan loss allowance to noncurrent loans | 289.5442% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 4,309 |
| Noncurrent loans to loans | 0.4878% | 3,543 |
| Net loans and leases to total assets | 56.5497% | 4,247 |
| Net loans and leases to deposits | 66.7266% | 4,272 |
| Net loans and leases to core deposits | 87.7618% | 2,782 |
| Total domestic deposits to total assets | 84.7484% | 2,915 |
| Equity capital to assets | 9.7769% | 4,389 |
| Core capital (leverage) ratio | 9.5926% | 4,067 |
| Tier 1 risk-based capital ratio | 21.5457% | 1,188 |
| Total risk-based capital ratio | 22.8059% | 1,170 |
| Memoranda: | ||
| Average total assets | $132,961,750 | 3,810 |
| Average earning assets | $126,461,500 | 3,732 |
| Average equity | $12,633,000 | 4,190 |
| Average total loans | $74,719,500 | 3,957 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,218 |
| Cost of funding earning assets | 0.4804% | 2,267 |
| Net interest margin | 3.2428% | 4,402 |
| Noninterest income to average assets | 0.1475% | 5,567 |
| Noninterest expense to average assets | 2.2296% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6820% | 3,890 |
| Return on assets (ROA) | 0.6820% | 4,031 |
| Pretax return on assets | 1.0072% | 3,551 |
| Return on Equity (ROE) | 7.2482% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.2482% | 1,487 |
| Net charge-offs to loans | -0.4235% | 5,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8837% | 3,174 |
| Assets per employee ($millions) | 7.4037% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,891 |
| Loan loss allowance to noncurrent loans | 176.5176% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 3,646 |
| Noncurrent loans to loans | 0.8456% | 2,629 |
| Net loans and leases to total assets | 54.7202% | 4,440 |
| Net loans and leases to deposits | 63.1087% | 4,561 |
| Net loans and leases to core deposits | 82.7769% | 3,197 |
| Total domestic deposits to total assets | 86.7079% | 2,057 |
| Equity capital to assets | 9.5905% | 4,683 |
| Core capital (leverage) ratio | 9.4399% | 4,281 |
| Tier 1 risk-based capital ratio | 21.9460% | 1,142 |
| Total risk-based capital ratio | 23.2062% | 1,124 |
| Memoranda: | ||
| Average total assets | $132,847,670 | 3,830 |
| Average earning assets | $126,556,000 | 3,749 |
| Average equity | $12,499,670 | 4,230 |
| Average total loans | $74,138,330 | 3,996 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8325% | 3,830 |
| Cost of funding earning assets | 0.4905% | 2,176 |
| Net interest margin | 3.3420% | 4,072 |
| Noninterest income to average assets | 0.1448% | 5,620 |
| Noninterest expense to average assets | 2.3764% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6454% | 3,998 |
| Return on assets (ROA) | 0.6454% | 4,119 |
| Pretax return on assets | 0.9530% | 3,651 |
| Return on Equity (ROE) | 6.9261% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.9261% | 1,917 |
| Net charge-offs to loans | -0.0270% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3768% | 2,887 |
| Assets per employee ($millions) | 8.1660% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 3,158 |
| Loan loss allowance to noncurrent loans | 151.7516% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 3,677 |
| Noncurrent loans to loans | 0.8260% | 2,773 |
| Net loans and leases to total assets | 57.4608% | 4,096 |
| Net loans and leases to deposits | 65.6689% | 4,288 |
| Net loans and leases to core deposits | 86.3747% | 2,713 |
| Total domestic deposits to total assets | 87.5008% | 1,926 |
| Equity capital to assets | 9.5740% | 4,593 |
| Core capital (leverage) ratio | 9.1673% | 4,636 |
| Tier 1 risk-based capital ratio | 19.8933% | 1,526 |
| Total risk-based capital ratio | 21.1463% | 1,495 |
| Memoranda: | ||
| Average total assets | $132,638,000 | 3,869 |
| Average earning assets | $126,392,000 | 3,778 |
| Average equity | $12,359,000 | 4,273 |
| Average total loans | $74,193,000 | 4,018 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 4,577 |
| Cost of funding earning assets | 0.5321% | 1,907 |
| Net interest margin | 3.1020% | 4,896 |
| Noninterest income to average assets | 0.1446% | 5,689 |
| Noninterest expense to average assets | 2.4764% | 4,300 |
| Loan and lease loss provision to assets | 0.0040% | 4,317 |
| Net operating income to assets | 0.4179% | 4,995 |
| Return on assets (ROA) | 0.4179% | 5,079 |
| Pretax return on assets | 0.6054% | 4,824 |
| Return on Equity (ROE) | 4.4110% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.4110% | 2,839 |
| Net charge-offs to loans | -0.0086% | 5,076 |
| Credit loss provision to net charge-offs | -83.3333% | 5,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2523% | 1,636 |
| Assets per employee ($millions) | 7.9188% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,838 |
| Loan loss allowance to noncurrent loans | 50.4524% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 1,498 |
| Noncurrent loans to loans | 2.5968% | 689 |
| Net loans and leases to total assets | 53.0449% | 4,592 |
| Net loans and leases to deposits | 62.1916% | 4,619 |
| Net loans and leases to core deposits | 81.6850% | 3,182 |
| Total domestic deposits to total assets | 85.2927% | 2,956 |
| Equity capital to assets | 9.0692% | 5,055 |
| Core capital (leverage) ratio | 8.8124% | 5,098 |
| Tier 1 risk-based capital ratio | 20.5221% | 1,379 |
| Total risk-based capital ratio | 21.7812% | 1,350 |
| Memoranda: | ||
| Average total assets | $125,866,400 | 3,960 |
| Average earning assets | $119,340,600 | 3,898 |
| Average equity | $11,924,600 | 4,322 |
| Average total loans | $70,000,000 | 4,089 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 4,452 |
| Cost of funding earning assets | 0.5407% | 1,882 |
| Net interest margin | 3.1475% | 4,824 |
| Noninterest income to average assets | 0.1552% | 5,712 |
| Noninterest expense to average assets | 2.4914% | 4,222 |
| Loan and lease loss provision to assets | 0.0054% | 4,158 |
| Net operating income to assets | 0.4398% | 5,011 |
| Return on assets (ROA) | 0.4398% | 5,103 |
| Pretax return on assets | 0.6393% | 4,867 |
| Return on Equity (ROE) | 4.5893% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.5893% | 3,207 |
| Net charge-offs to loans | 0.0961% | 2,193 |
| Credit loss provision to net charge-offs | 10.0000% | 3,450 |
| Earnings coverage of net charge-offs (x) | 11.9591% | 2,444 |
| Efficiency ratio | 79.4431% | 1,739 |
| Assets per employee ($millions) | 7.3841% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 3,014 |
| Loan loss allowance to noncurrent loans | 44.9597% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 1.5439% | 1,447 |
| Noncurrent loans to loans | 2.9237% | 621 |
| Net loans and leases to total assets | 50.3837% | 4,903 |
| Net loans and leases to deposits | 58.0515% | 5,002 |
| Net loans and leases to core deposits | 77.6834% | 3,636 |
| Total domestic deposits to total assets | 86.7915% | 2,144 |
| Equity capital to assets | 9.1337% | 5,178 |
| Core capital (leverage) ratio | 8.8676% | 5,155 |
| Tier 1 risk-based capital ratio | 22.1642% | 1,171 |
| Total risk-based capital ratio | 23.4237% | 1,147 |
| Memoranda: | ||
| Average total assets | $123,678,000 | 4,052 |
| Average earning assets | $117,128,000 | 3,984 |
| Average equity | $11,853,500 | 4,381 |
| Average total loans | $69,410,750 | 4,147 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 4,042 |
| Cost of funding earning assets | 0.5533% | 1,789 |
| Net interest margin | 3.2533% | 4,482 |
| Noninterest income to average assets | 0.1592% | 5,756 |
| Noninterest expense to average assets | 2.6003% | 3,908 |
| Loan and lease loss provision to assets | 0.0083% | 3,944 |
| Net operating income to assets | 0.4295% | 5,037 |
| Return on assets (ROA) | 0.4295% | 5,141 |
| Pretax return on assets | 0.6219% | 4,924 |
| Return on Equity (ROE) | 4.4055% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.4055% | 3,210 |
| Net charge-offs to loans | -0.0601% | 5,614 |
| Credit loss provision to net charge-offs | -23.8095% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4928% | 1,694 |
| Assets per employee ($millions) | 6.8225% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,757 |
| Loan loss allowance to noncurrent loans | 31.7403% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 2.5260% | 745 |
| Noncurrent loans to loans | 4.4130% | 315 |
| Net loans and leases to total assets | 55.2005% | 4,424 |
| Net loans and leases to deposits | 64.3459% | 4,504 |
| Net loans and leases to core deposits | 88.8069% | 2,474 |
| Total domestic deposits to total assets | 85.7872% | 2,802 |
| Equity capital to assets | 9.5949% | 4,542 |
| Core capital (leverage) ratio | 9.7422% | 3,948 |
| Tier 1 risk-based capital ratio | 20.9522% | 1,375 |
| Total risk-based capital ratio | 22.2142% | 1,342 |
| Memoranda: | ||
| Average total assets | $120,599,330 | 4,145 |
| Average earning assets | $113,853,330 | 4,080 |
| Average equity | $11,758,000 | 4,421 |
| Average total loans | $69,928,000 | 4,162 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 3,753 |
| Cost of funding earning assets | 0.5855% | 1,539 |
| Net interest margin | 3.2825% | 4,286 |
| Noninterest income to average assets | 0.1640% | 5,752 |
| Noninterest expense to average assets | 2.5239% | 4,191 |
| Loan and lease loss provision to assets | 0.0167% | 3,505 |
| Net operating income to assets | 0.4921% | 4,722 |
| Return on assets (ROA) | 0.4921% | 4,840 |
| Pretax return on assets | 0.7197% | 4,537 |
| Return on Equity (ROE) | 5.0062% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.0062% | 3,050 |
| Net charge-offs to loans | -0.0227% | 5,101 |
| Credit loss provision to net charge-offs | -125.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4127% | 2,281 |
| Assets per employee ($millions) | 6.6183% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 3,176 |
| Loan loss allowance to noncurrent loans | 42.1193% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 1.9424% | 1,236 |
| Noncurrent loans to loans | 3.1885% | 642 |
| Net loans and leases to total assets | 58.3351% | 3,896 |
| Net loans and leases to deposits | 68.5839% | 3,903 |
| Net loans and leases to core deposits | 95.9769% | 1,615 |
| Total domestic deposits to total assets | 85.0565% | 3,379 |
| Equity capital to assets | 9.9841% | 4,167 |
| Core capital (leverage) ratio | 9.7171% | 3,993 |
| Tier 1 risk-based capital ratio | 20.3591% | 1,549 |
| Total risk-based capital ratio | 21.6126% | 1,520 |
| Memoranda: | ||
| Average total assets | $119,496,500 | 4,194 |
| Average earning assets | $112,719,000 | 4,127 |
| Average equity | $11,745,500 | 4,460 |
| Average total loans | $70,516,000 | 4,170 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 2,209 |
| Cost of funding earning assets | 0.6777% | 1,219 |
| Net interest margin | 3.7255% | 2,901 |
| Noninterest income to average assets | 0.0836% | 6,210 |
| Noninterest expense to average assets | 2.6615% | 4,001 |
| Loan and lease loss provision to assets | 0.1133% | 2,281 |
| Net operating income to assets | 0.5439% | 4,622 |
| Return on assets (ROA) | 0.5445% | 4,707 |
| Pretax return on assets | 0.7963% | 4,272 |
| Return on Equity (ROE) | 5.6966% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.6966% | 2,134 |
| Net charge-offs to loans | -0.0042% | 5,447 |
| Credit loss provision to net charge-offs | -4,333.3333% | 6,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5486% | 2,744 |
| Assets per employee ($millions) | 7.0508% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 3,280 |
| Loan loss allowance to noncurrent loans | 106.8415% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0929% | 2,562 |
| Noncurrent loans to loans | 1.2424% | 2,372 |
| Net loans and leases to total assets | 58.1117% | 4,032 |
| Net loans and leases to deposits | 68.3455% | 4,092 |
| Net loans and leases to core deposits | 96.9869% | 1,635 |
| Total domestic deposits to total assets | 85.0264% | 3,271 |
| Equity capital to assets | 9.6751% | 4,503 |
| Core capital (leverage) ratio | 9.7880% | 3,846 |
| Tier 1 risk-based capital ratio | 20.7787% | 1,446 |
| Total risk-based capital ratio | 22.0347% | 1,421 |
| Memoranda: | ||
| Average total assets | $114,787,000 | 4,283 |
| Average earning assets | $107,423,000 | 4,235 |
| Average equity | $10,971,400 | 4,566 |
| Average total loans | $70,595,000 | 4,165 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4659% | 1,996 |
| Cost of funding earning assets | 0.6922% | 1,185 |
| Net interest margin | 3.7737% | 2,719 |
| Noninterest income to average assets | 0.0634% | 6,349 |
| Noninterest expense to average assets | 2.6133% | 4,155 |
| Loan and lease loss provision to assets | 0.1527% | 1,623 |
| Net operating income to assets | 0.5641% | 4,617 |
| Return on assets (ROA) | 0.5673% | 4,675 |
| Pretax return on assets | 0.8304% | 4,256 |
| Return on Equity (ROE) | 5.9545% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.9545% | 2,442 |
| Net charge-offs to loans | 0.0680% | 3,227 |
| Credit loss provision to net charge-offs | 361.1111% | 781 |
| Earnings coverage of net charge-offs (x) | 23.1383% | 1,600 |
| Efficiency ratio | 72.7600% | 3,050 |
| Assets per employee ($millions) | 7.2389% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 3,847 |
| Loan loss allowance to noncurrent loans | 100.2232% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 2,092 |
| Noncurrent loans to loans | 1.2627% | 2,530 |
| Net loans and leases to total assets | 60.4888% | 3,706 |
| Net loans and leases to deposits | 71.4271% | 3,743 |
| Net loans and leases to core deposits | 104.9054% | 1,036 |
| Total domestic deposits to total assets | 84.6861% | 3,460 |
| Equity capital to assets | 9.7295% | 4,514 |
| Core capital (leverage) ratio | 9.7368% | 4,016 |
| Tier 1 risk-based capital ratio | 20.2242% | 1,611 |
| Total risk-based capital ratio | 21.4785% | 1,576 |
| Memoranda: | ||
| Average total assets | $113,517,750 | 4,345 |
| Average earning assets | $106,135,750 | 4,298 |
| Average equity | $10,815,000 | 4,628 |
| Average total loans | $70,595,750 | 4,198 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 1,867 |
| Cost of funding earning assets | 0.7151% | 1,113 |
| Net interest margin | 3.7731% | 2,656 |
| Noninterest income to average assets | 0.0621% | 6,405 |
| Noninterest expense to average assets | 2.6164% | 4,182 |
| Loan and lease loss provision to assets | 0.0621% | 3,028 |
| Net operating income to assets | 0.6142% | 4,285 |
| Return on assets (ROA) | 0.6191% | 4,354 |
| Pretax return on assets | 0.9100% | 3,847 |
| Return on Equity (ROE) | 6.5456% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.5456% | 2,010 |
| Net charge-offs to loans | -0.3831% | 6,477 |
| Credit loss provision to net charge-offs | -25.9259% | 5,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0560% | 3,148 |
| Assets per employee ($millions) | 7.1133% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 3,637 |
| Loan loss allowance to noncurrent loans | 106.3319% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.5446% | 2,108 |
| Noncurrent loans to loans | 1.2608% | 2,702 |
| Net loans and leases to total assets | 62.9787% | 3,241 |
| Net loans and leases to deposits | 74.7518% | 3,234 |
| Net loans and leases to core deposits | 120.4045% | 366 |
| Total domestic deposits to total assets | 84.2505% | 3,834 |
| Equity capital to assets | 9.7326% | 4,450 |
| Core capital (leverage) ratio | 9.7198% | 4,011 |
| Tier 1 risk-based capital ratio | 19.7034% | 1,762 |
| Total risk-based capital ratio | 20.9594% | 1,724 |
| Memoranda: | ||
| Average total assets | $112,749,330 | 4,392 |
| Average earning assets | $105,165,000 | 4,345 |
| Average equity | $10,663,670 | 4,673 |
| Average total loans | $70,475,000 | 4,219 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 1,946 |
| Cost of funding earning assets | 0.7391% | 1,023 |
| Net interest margin | 3.7148% | 2,808 |
| Noninterest income to average assets | 0.0463% | 6,491 |
| Noninterest expense to average assets | 2.5878% | 4,312 |
| Loan and lease loss provision to assets | 0.0891% | 2,428 |
| Net operating income to assets | 0.5632% | 4,394 |
| Return on assets (ROA) | 0.5632% | 4,472 |
| Pretax return on assets | 0.8270% | 3,993 |
| Return on Equity (ROE) | 6.0438% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.0438% | 2,519 |
| Net charge-offs to loans | -0.1326% | 6,240 |
| Credit loss provision to net charge-offs | -108.6957% | 4,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8555% | 3,168 |
| Assets per employee ($millions) | 7.0433% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 4,492 |
| Loan loss allowance to noncurrent loans | 92.7095% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.0259% | 1,680 |
| Noncurrent loans to loans | 1.3265% | 2,818 |
| Net loans and leases to total assets | 60.7225% | 3,439 |
| Net loans and leases to deposits | 72.7514% | 3,241 |
| Net loans and leases to core deposits | 120.4075% | 318 |
| Total domestic deposits to total assets | 83.4657% | 4,459 |
| Equity capital to assets | 9.4904% | 4,513 |
| Core capital (leverage) ratio | 9.6517% | 4,060 |
| Tier 1 risk-based capital ratio | 19.9788% | 1,725 |
| Total risk-based capital ratio | 21.2336% | 1,691 |
| Memoranda: | ||
| Average total assets | $112,217,500 | 4,441 |
| Average earning assets | $104,446,500 | 4,398 |
| Average equity | $10,457,000 | 4,738 |
| Average total loans | $69,386,500 | 4,286 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 1,617 |
| Cost of funding earning assets | 0.9219% | 661 |
| Net interest margin | 3.7604% | 2,800 |
| Noninterest income to average assets | -0.0310% | 6,683 |
| Noninterest expense to average assets | 2.5869% | 4,512 |
| Loan and lease loss provision to assets | 0.0620% | 3,897 |
| Net operating income to assets | 0.5487% | 4,513 |
| Return on assets (ROA) | 0.5493% | 4,636 |
| Pretax return on assets | 0.8009% | 4,140 |
| Return on Equity (ROE) | 5.9088% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.9088% | 2,030 |
| Net charge-offs to loans | 0.2323% | 2,598 |
| Credit loss provision to net charge-offs | 43.4783% | 3,969 |
| Earnings coverage of net charge-offs (x) | 6.0435% | 3,140 |
| Efficiency ratio | 75.0064% | 2,950 |
| Assets per employee ($millions) | 6.9839% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 4,878 |
| Loan loss allowance to noncurrent loans | 87.0130% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.1415% | 1,664 |
| Noncurrent loans to loans | 1.3297% | 2,911 |
| Net loans and leases to total assets | 61.4693% | 3,448 |
| Net loans and leases to deposits | 76.2274% | 2,940 |
| Net loans and leases to core deposits | 118.6591% | 355 |
| Total domestic deposits to total assets | 80.6393% | 5,285 |
| Equity capital to assets | 9.1452% | 4,874 |
| Core capital (leverage) ratio | 9.5873% | 4,129 |
| Tier 1 risk-based capital ratio | 19.4363% | 1,810 |
| Total risk-based capital ratio | 20.6890% | 1,766 |
| Memoranda: | ||
| Average total assets | $112,878,200 | 4,437 |
| Average earning assets | $104,455,800 | 4,397 |
| Average equity | $10,492,800 | 4,746 |
| Average total loans | $69,295,000 | 4,296 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 1,765 |
| Cost of funding earning assets | 0.9678% | 582 |
| Net interest margin | 3.6739% | 3,137 |
| Noninterest income to average assets | 0.1025% | 6,474 |
| Noninterest expense to average assets | 2.4955% | 4,738 |
| Loan and lease loss provision to assets | 0.0825% | 3,417 |
| Net operating income to assets | 0.6295% | 4,221 |
| Return on assets (ROA) | 0.6304% | 4,340 |
| Pretax return on assets | 0.9249% | 3,781 |
| Return on Equity (ROE) | 6.7541% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.7541% | 2,002 |
| Net charge-offs to loans | 0.3504% | 1,797 |
| Credit loss provision to net charge-offs | 38.4615% | 3,737 |
| Earnings coverage of net charge-offs (x) | 4.6923% | 3,377 |
| Efficiency ratio | 71.2651% | 3,557 |
| Assets per employee ($millions) | 6.9401% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,124 |
| Loan loss allowance to noncurrent loans | 55.1020% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.7539% | 1,362 |
| Noncurrent loans to loans | 2.0849% | 2,149 |
| Net loans and leases to total assets | 60.6752% | 3,583 |
| Net loans and leases to deposits | 71.8881% | 3,527 |
| Net loans and leases to core deposits | 112.2879% | 496 |
| Total domestic deposits to total assets | 84.4023% | 4,026 |
| Equity capital to assets | 9.2848% | 4,820 |
| Core capital (leverage) ratio | 9.2193% | 4,806 |
| Tier 1 risk-based capital ratio | 18.8671% | 2,032 |
| Total risk-based capital ratio | 20.1188% | 1,990 |
| Memoranda: | ||
| Average total assets | $113,162,250 | 4,476 |
| Average earning assets | $104,698,500 | 4,438 |
| Average equity | $10,561,250 | 4,781 |
| Average total loans | $69,246,000 | 4,325 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 1,880 |
| Cost of funding earning assets | 0.9969% | 551 |
| Net interest margin | 3.5935% | 3,387 |
| Noninterest income to average assets | 0.1317% | 6,393 |
| Noninterest expense to average assets | 2.5204% | 4,658 |
| Loan and lease loss provision to assets | 0.0878% | 3,326 |
| Net operating income to assets | 0.5837% | 4,382 |
| Return on assets (ROA) | 0.5849% | 4,552 |
| Pretax return on assets | 0.8554% | 4,091 |
| Return on Equity (ROE) | 6.2565% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.2565% | 2,291 |
| Net charge-offs to loans | 0.5373% | 1,232 |
| Credit loss provision to net charge-offs | 26.7380% | 3,637 |
| Earnings coverage of net charge-offs (x) | 2.8663% | 3,562 |
| Efficiency ratio | 72.8057% | 3,339 |
| Assets per employee ($millions) | 7.3037% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,434 |
| Loan loss allowance to noncurrent loans | 50.8384% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 3.0849% | 1,303 |
| Noncurrent loans to loans | 2.1683% | 2,214 |
| Net loans and leases to total assets | 58.1932% | 3,955 |
| Net loans and leases to deposits | 68.2189% | 3,976 |
| Net loans and leases to core deposits | 110.8153% | 530 |
| Total domestic deposits to total assets | 85.3037% | 3,741 |
| Equity capital to assets | 8.9475% | 5,268 |
| Core capital (leverage) ratio | 8.7879% | 5,309 |
| Tier 1 risk-based capital ratio | 19.7214% | 1,787 |
| Total risk-based capital ratio | 20.9753% | 1,764 |
| Memoranda: | ||
| Average total assets | $113,869,000 | 4,491 |
| Average earning assets | $105,524,330 | 4,447 |
| Average equity | $10,645,000 | 4,800 |
| Average total loans | $69,608,670 | 4,323 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 1,785 |
| Cost of funding earning assets | 1.0173% | 557 |
| Net interest margin | 3.5970% | 3,277 |
| Noninterest income to average assets | 0.1958% | 6,075 |
| Noninterest expense to average assets | 2.4027% | 5,112 |
| Loan and lease loss provision to assets | 0.1780% | 2,088 |
| Net operating income to assets | 0.6443% | 3,994 |
| Return on assets (ROA) | 0.6443% | 4,156 |
| Pretax return on assets | 0.9504% | 3,563 |
| Return on Equity (ROE) | 6.7415% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.7415% | 2,288 |
| Net charge-offs to loans | 0.1714% | 2,372 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 10.5667% | 1,729 |
| Efficiency ratio | 68.0444% | 4,298 |
| Assets per employee ($millions) | 7.0672% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,525 |
| Loan loss allowance to noncurrent loans | 54.8232% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 3.3774% | 1,282 |
| Noncurrent loans to loans | 2.4395% | 2,111 |
| Net loans and leases to total assets | 59.6958% | 3,484 |
| Net loans and leases to deposits | 70.8122% | 3,352 |
| Net loans and leases to core deposits | 103.5768% | 739 |
| Total domestic deposits to total assets | 84.3016% | 4,355 |
| Equity capital to assets | 9.5759% | 4,741 |
| Core capital (leverage) ratio | 8.8378% | 5,134 |
| Tier 1 risk-based capital ratio | 20.1879% | 1,724 |
| Total risk-based capital ratio | 21.4367% | 1,697 |
| Memoranda: | ||
| Average total assets | $112,374,000 | 4,568 |
| Average earning assets | $104,199,000 | 4,510 |
| Average equity | $10,739,500 | 4,826 |
| Average total loans | $70,032,000 | 4,342 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 1,173 |
| Cost of funding earning assets | 1.3042% | 365 |
| Net interest margin | 3.8651% | 2,969 |
| Noninterest income to average assets | 0.1323% | 6,381 |
| Noninterest expense to average assets | 2.7012% | 4,393 |
| Loan and lease loss provision to assets | 0.4794% | 1,281 |
| Net operating income to assets | 0.3845% | 5,161 |
| Return on assets (ROA) | 0.3845% | 5,393 |
| Pretax return on assets | 0.5494% | 5,138 |
| Return on Equity (ROE) | 3.8175% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.8175% | 3,520 |
| Net charge-offs to loans | 1.9786% | 368 |
| Credit loss provision to net charge-offs | 33.7610% | 5,044 |
| Earnings coverage of net charge-offs (x) | 0.7245% | 5,118 |
| Efficiency ratio | 72.4165% | 3,340 |
| Assets per employee ($millions) | 6.9796% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 4,879 |
| Loan loss allowance to noncurrent loans | 23.5588% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 4.4854% | 924 |
| Noncurrent loans to loans | 5.3023% | 718 |
| Net loans and leases to total assets | 63.3573% | 2,997 |
| Net loans and leases to deposits | 76.1907% | 2,772 |
| Net loans and leases to core deposits | 109.2255% | 562 |
| Total domestic deposits to total assets | 83.1562% | 4,655 |
| Equity capital to assets | 9.5377% | 4,825 |
| Core capital (leverage) ratio | 8.7136% | 5,309 |
| Tier 1 risk-based capital ratio | 18.8717% | 1,994 |
| Total risk-based capital ratio | 20.1284% | 1,961 |
| Memoranda: | ||
| Average total assets | $104,288,600 | 4,725 |
| Average earning assets | $97,073,200 | 4,662 |
| Average equity | $10,504,200 | 4,866 |
| Average total loans | $74,852,000 | 4,181 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2708% | 1,063 |
| Cost of funding earning assets | 1.3705% | 331 |
| Net interest margin | 3.9002% | 2,912 |
| Noninterest income to average assets | 0.1262% | 6,504 |
| Noninterest expense to average assets | 2.5692% | 4,850 |
| Loan and lease loss provision to assets | 0.3905% | 1,648 |
| Net operating income to assets | 0.5453% | 4,641 |
| Return on assets (ROA) | 0.5453% | 4,905 |
| Pretax return on assets | 0.7926% | 4,518 |
| Return on Equity (ROE) | 5.3370% | 4,671 |
| Retained earnings to average equity (ytd only) | 5.3370% | 3,134 |
| Net charge-offs to loans | 1.4575% | 607 |
| Credit loss provision to net charge-offs | 36.2757% | 4,695 |
| Earnings coverage of net charge-offs (x) | 1.0992% | 4,751 |
| Efficiency ratio | 68.4703% | 3,962 |
| Assets per employee ($millions) | 6.3789% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 2,682 |
| Loan loss allowance to noncurrent loans | 32.0351% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 4.9959% | 898 |
| Noncurrent loans to loans | 5.7355% | 737 |
| Net loans and leases to total assets | 70.6142% | 1,799 |
| Net loans and leases to deposits | 85.8693% | 1,614 |
| Net loans and leases to core deposits | 104.6008% | 836 |
| Total domestic deposits to total assets | 82.2345% | 4,939 |
| Equity capital to assets | 10.4279% | 3,923 |
| Core capital (leverage) ratio | 9.4040% | 4,427 |
| Tier 1 risk-based capital ratio | 18.5301% | 2,159 |
| Total risk-based capital ratio | 19.7967% | 2,114 |
| Memoranda: | ||
| Average total assets | $102,442,500 | 4,816 |
| Average earning assets | $95,239,750 | 4,761 |
| Average equity | $10,467,500 | 4,924 |
| Average total loans | $75,653,000 | 4,208 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2864% | 1,083 |
| Cost of funding earning assets | 1.4177% | 328 |
| Net interest margin | 3.8687% | 3,048 |
| Noninterest income to average assets | 0.1131% | 6,622 |
| Noninterest expense to average assets | 2.6460% | 4,622 |
| Loan and lease loss provision to assets | 0.1462% | 3,690 |
| Net operating income to assets | 0.6240% | 4,254 |
| Return on assets (ROA) | 0.6240% | 4,504 |
| Pretax return on assets | 0.9126% | 4,031 |
| Return on Equity (ROE) | 6.1485% | 4,246 |
| Retained earnings to average equity (ytd only) | 6.1485% | 2,611 |
| Net charge-offs to loans | 2.0315% | 401 |
| Credit loss provision to net charge-offs | 9.6649% | 4,745 |
| Earnings coverage of net charge-offs (x) | 0.6997% | 4,703 |
| Efficiency ratio | 71.4211% | 3,532 |
| Assets per employee ($millions) | 6.3069% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 3,573 |
| Loan loss allowance to noncurrent loans | 36.4115% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 4.0779% | 1,238 |
| Noncurrent loans to loans | 4.4202% | 1,208 |
| Net loans and leases to total assets | 71.1832% | 1,699 |
| Net loans and leases to deposits | 86.9804% | 1,479 |
| Net loans and leases to core deposits | 109.5954% | 590 |
| Total domestic deposits to total assets | 81.8383% | 5,189 |
| Equity capital to assets | 10.4886% | 3,704 |
| Core capital (leverage) ratio | 9.5080% | 4,130 |
| Tier 1 risk-based capital ratio | 17.1696% | 2,598 |
| Total risk-based capital ratio | 18.4306% | 2,558 |
| Memoranda: | ||
| Average total assets | $102,569,000 | 4,840 |
| Average earning assets | $95,226,000 | 4,787 |
| Average equity | $10,409,000 | 4,933 |
| Average total loans | $76,397,330 | 4,204 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3923% | 924 |
| Cost of funding earning assets | 1.4574% | 339 |
| Net interest margin | 3.9349% | 2,787 |
| Noninterest income to average assets | 0.1470% | 6,505 |
| Noninterest expense to average assets | 2.6383% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7892% | 3,429 |
| Return on assets (ROA) | 0.7892% | 3,675 |
| Pretax return on assets | 1.1644% | 3,048 |
| Return on Equity (ROE) | 7.9058% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.9058% | 2,024 |
| Net charge-offs to loans | 0.1639% | 3,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 9.4063% | 1,847 |
| Efficiency ratio | 69.3795% | 3,919 |
| Assets per employee ($millions) | 6.3240% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4466% | 1,433 |
| Loan loss allowance to noncurrent loans | 32.8640% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 6.7787% | 643 |
| Noncurrent loans to loans | 7.4447% | 573 |
| Net loans and leases to total assets | 72.6647% | 1,283 |
| Net loans and leases to deposits | 88.8047% | 1,075 |
| Net loans and leases to core deposits | 114.8918% | 406 |
| Total domestic deposits to total assets | 81.8252% | 5,355 |
| Equity capital to assets | 10.2734% | 3,761 |
| Core capital (leverage) ratio | 9.0258% | 4,801 |
| Tier 1 risk-based capital ratio | 16.1921% | 3,078 |
| Total risk-based capital ratio | 17.4670% | 3,023 |
| Memoranda: | ||
| Average total assets | $103,398,500 | 4,853 |
| Average earning assets | $96,063,500 | 4,791 |
| Average equity | $10,321,500 | 4,965 |
| Average total loans | $78,093,000 | 4,180 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 1,120 |
| Cost of funding earning assets | 1.6734% | 357 |
| Net interest margin | 3.8463% | 3,588 |
| Noninterest income to average assets | 0.1534% | 6,383 |
| Noninterest expense to average assets | 2.4563% | 5,616 |
| Loan and lease loss provision to assets | 1.8302% | 354 |
| Net operating income to assets | -0.3258% | 6,362 |
| Return on assets (ROA) | -0.3258% | 6,413 |
| Pretax return on assets | -0.5272% | 6,508 |
| Return on Equity (ROE) | -3.4794% | 6,441 |
| Retained earnings to average equity (ytd only) | -3.4794% | 6,325 |
| Net charge-offs to loans | 1.7836% | 831 |
| Credit loss provision to net charge-offs | 132.7847% | 2,289 |
| Earnings coverage of net charge-offs (x) | 0.9454% | 5,095 |
| Efficiency ratio | 65.3391% | 4,896 |
| Assets per employee ($millions) | 6.6008% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3225% | 1,591 |
| Loan loss allowance to noncurrent loans | 33.0866% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 6.6242% | 708 |
| Noncurrent loans to loans | 7.0196% | 631 |
| Net loans and leases to total assets | 74.7446% | 1,134 |
| Net loans and leases to deposits | 91.7470% | 990 |
| Net loans and leases to core deposits | 121.0922% | 337 |
| Total domestic deposits to total assets | 81.4682% | 5,305 |
| Equity capital to assets | 9.7034% | 4,588 |
| Core capital (leverage) ratio | 8.5566% | 5,470 |
| Tier 1 risk-based capital ratio | 14.1395% | 4,227 |
| Total risk-based capital ratio | 15.4105% | 4,160 |
| Memoranda: | ||
| Average total assets | $110,204,600 | 4,638 |
| Average earning assets | $103,321,200 | 4,557 |
| Average equity | $10,318,000 | 4,940 |
| Average total loans | $85,163,000 | 3,992 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5047% | 1,240 |
| Cost of funding earning assets | 1.7002% | 395 |
| Net interest margin | 3.8045% | 3,858 |
| Noninterest income to average assets | 0.1533% | 6,490 |
| Noninterest expense to average assets | 2.3456% | 5,915 |
| Loan and lease loss provision to assets | 1.6643% | 382 |
| Net operating income to assets | -0.1640% | 6,345 |
| Return on assets (ROA) | -0.1640% | 6,426 |
| Pretax return on assets | -0.2826% | 6,479 |
| Return on Equity (ROE) | -1.7673% | 6,457 |
| Retained earnings to average equity (ytd only) | -1.7673% | 6,269 |
| Net charge-offs to loans | 1.6170% | 872 |
| Credit loss provision to net charge-offs | 132.8872% | 2,396 |
| Earnings coverage of net charge-offs (x) | 1.1033% | 4,805 |
| Efficiency ratio | 62.9296% | 5,251 |
| Assets per employee ($millions) | 6.7335% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0666% | 2,153 |
| Loan loss allowance to noncurrent loans | 27.6360% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 6.7136% | 755 |
| Noncurrent loans to loans | 7.4778% | 632 |
| Net loans and leases to total assets | 75.7453% | 1,016 |
| Net loans and leases to deposits | 92.4294% | 978 |
| Net loans and leases to core deposits | 123.2387% | 320 |
| Total domestic deposits to total assets | 81.9494% | 5,110 |
| Equity capital to assets | 9.7210% | 4,743 |
| Core capital (leverage) ratio | 8.6281% | 5,509 |
| Tier 1 risk-based capital ratio | 14.2202% | 4,183 |
| Total risk-based capital ratio | 15.4876% | 4,135 |
| Memoranda: | ||
| Average total assets | $111,352,500 | 4,640 |
| Average earning assets | $104,610,750 | 4,558 |
| Average equity | $10,335,500 | 4,949 |
| Average total loans | $86,249,500 | 4,000 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5053% | 1,286 |
| Cost of funding earning assets | 1.6984% | 469 |
| Net interest margin | 3.8069% | 3,749 |
| Noninterest income to average assets | 0.1404% | 6,621 |
| Noninterest expense to average assets | 2.3934% | 5,868 |
| Loan and lease loss provision to assets | 2.3988% | 221 |
| Net operating income to assets | -0.6859% | 6,806 |
| Return on assets (ROA) | -0.6859% | 6,813 |
| Pretax return on assets | -1.0714% | 6,920 |
| Return on Equity (ROE) | -7.5027% | 6,844 |
| Retained earnings to average equity (ytd only) | -7.5027% | 6,744 |
| Net charge-offs to loans | 2.4122% | 510 |
| Credit loss provision to net charge-offs | 128.3270% | 2,381 |
| Earnings coverage of net charge-offs (x) | 0.7101% | 4,763 |
| Efficiency ratio | 64.3266% | 5,177 |
| Assets per employee ($millions) | 6.7868% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 2,343 |
| Loan loss allowance to noncurrent loans | 38.5553% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 4.9260% | 1,247 |
| Noncurrent loans to loans | 5.2127% | 1,240 |
| Net loans and leases to total assets | 75.2533% | 1,193 |
| Net loans and leases to deposits | 90.9866% | 1,161 |
| Net loans and leases to core deposits | 119.1369% | 439 |
| Total domestic deposits to total assets | 82.7080% | 4,902 |
| Equity capital to assets | 9.2423% | 5,218 |
| Core capital (leverage) ratio | 7.9774% | 6,327 |
| Tier 1 risk-based capital ratio | 13.3619% | 4,638 |
| Total risk-based capital ratio | 14.6285% | 4,609 |
| Memoranda: | ||
| Average total assets | $112,558,000 | 4,641 |
| Average earning assets | $105,861,330 | 4,567 |
| Average equity | $10,289,670 | 4,973 |
| Average total loans | $87,223,670 | 4,008 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 1,307 |
| Cost of funding earning assets | 1.6665% | 638 |
| Net interest margin | 3.8307% | 3,465 |
| Noninterest income to average assets | 0.1327% | 6,749 |
| Noninterest expense to average assets | 2.3781% | 5,958 |
| Loan and lease loss provision to assets | 1.0127% | 752 |
| Net operating income to assets | 0.2619% | 5,576 |
| Return on assets (ROA) | 0.2619% | 5,637 |
| Pretax return on assets | 0.3702% | 5,432 |
| Return on Equity (ROE) | 2.8800% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.8800% | 4,435 |
| Net charge-offs to loans | 1.8398% | 704 |
| Credit loss provision to net charge-offs | 70.7317% | 3,342 |
| Earnings coverage of net charge-offs (x) | 0.9659% | 3,929 |
| Efficiency ratio | 63.2312% | 5,481 |
| Assets per employee ($millions) | 7.1832% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 4,605 |
| Loan loss allowance to noncurrent loans | 38.8992% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 2.8139% | 2,447 |
| Noncurrent loans to loans | 3.6271% | 2,046 |
| Net loans and leases to total assets | 76.4850% | 964 |
| Net loans and leases to deposits | 92.1311% | 1,008 |
| Net loans and leases to core deposits | 109.8099% | 735 |
| Total domestic deposits to total assets | 83.0176% | 4,920 |
| Equity capital to assets | 9.1298% | 4,987 |
| Core capital (leverage) ratio | 8.4158% | 5,600 |
| Tier 1 risk-based capital ratio | 13.6181% | 4,342 |
| Total risk-based capital ratio | 14.8745% | 4,309 |
| Memoranda: | ||
| Average total assets | $114,543,000 | 4,630 |
| Average earning assets | $108,492,500 | 4,515 |
| Average equity | $10,416,500 | 4,935 |
| Average total loans | $89,139,500 | 3,995 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9152% | 1,007 |
| Cost of funding earning assets | 1.9910% | 629 |
| Net interest margin | 3.9243% | 3,376 |
| Noninterest income to average assets | 0.1807% | 6,457 |
| Noninterest expense to average assets | 2.4437% | 5,962 |
| Loan and lease loss provision to assets | 0.9153% | 1,788 |
| Net operating income to assets | 0.3442% | 4,772 |
| Return on assets (ROA) | 0.3442% | 4,931 |
| Pretax return on assets | 0.4906% | 4,651 |
| Return on Equity (ROE) | 4.0085% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.0085% | 3,059 |
| Net charge-offs to loans | 1.0836% | 2,053 |
| Credit loss provision to net charge-offs | 111.3542% | 3,941 |
| Earnings coverage of net charge-offs (x) | 1.7104% | 4,438 |
| Efficiency ratio | 63.4786% | 5,433 |
| Assets per employee ($millions) | 7.1347% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 3,791 |
| Loan loss allowance to noncurrent loans | 61.0816% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.9763% | 3,377 |
| Noncurrent loans to loans | 2.5315% | 2,993 |
| Net loans and leases to total assets | 76.8587% | 1,117 |
| Net loans and leases to deposits | 92.8651% | 1,157 |
| Net loans and leases to core deposits | 111.1790% | 857 |
| Total domestic deposits to total assets | 82.7638% | 4,901 |
| Equity capital to assets | 9.0579% | 5,063 |
| Core capital (leverage) ratio | 8.0593% | 6,098 |
| Tier 1 risk-based capital ratio | 13.2204% | 4,440 |
| Total risk-based capital ratio | 14.4799% | 4,382 |
| Memoranda: | ||
| Average total assets | $116,790,800 | 4,561 |
| Average earning assets | $109,192,400 | 4,488 |
| Average equity | $10,028,600 | 5,121 |
| Average total loans | $88,596,000 | 4,089 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9016% | 1,130 |
| Cost of funding earning assets | 2.0431% | 655 |
| Net interest margin | 3.8585% | 3,721 |
| Noninterest income to average assets | 0.1782% | 6,603 |
| Noninterest expense to average assets | 2.4055% | 6,019 |
| Loan and lease loss provision to assets | 0.9842% | 1,517 |
| Net operating income to assets | 0.2736% | 5,263 |
| Return on assets (ROA) | 0.2736% | 5,426 |
| Pretax return on assets | 0.3837% | 5,269 |
| Return on Equity (ROE) | 3.2292% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.2292% | 4,165 |
| Net charge-offs to loans | 1.2072% | 1,688 |
| Credit loss provision to net charge-offs | 108.2397% | 3,935 |
| Earnings coverage of net charge-offs (x) | 1.5044% | 4,601 |
| Efficiency ratio | 63.7485% | 5,290 |
| Assets per employee ($millions) | 7.8621% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 4,046 |
| Loan loss allowance to noncurrent loans | 78.0245% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.9359% | 3,560 |
| Noncurrent loans to loans | 1.8996% | 3,802 |
| Net loans and leases to total assets | 75.2425% | 1,542 |
| Net loans and leases to deposits | 90.4232% | 1,667 |
| Net loans and leases to core deposits | 100.0564% | 1,846 |
| Total domestic deposits to total assets | 83.2115% | 4,496 |
| Equity capital to assets | 8.6626% | 6,085 |
| Core capital (leverage) ratio | 7.5959% | 6,771 |
| Tier 1 risk-based capital ratio | 11.0677% | 6,318 |
| Total risk-based capital ratio | 12.1814% | 6,419 |
| Memoranda: | ||
| Average total assets | $117,449,750 | 4,600 |
| Average earning assets | $109,436,250 | 4,544 |
| Average equity | $9,950,750 | 5,209 |
| Average total loans | $88,466,000 | 4,159 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8702% | 1,251 |
| Cost of funding earning assets | 2.0725% | 728 |
| Net interest margin | 3.7977% | 3,901 |
| Noninterest income to average assets | 0.2029% | 6,455 |
| Noninterest expense to average assets | 2.2440% | 6,531 |
| Loan and lease loss provision to assets | 1.2618% | 1,107 |
| Net operating income to assets | 0.1654% | 5,676 |
| Return on assets (ROA) | 0.1654% | 5,794 |
| Pretax return on assets | 0.2217% | 5,721 |
| Return on Equity (ROE) | 1.9671% | 5,644 |
| Retained earnings to average equity (ytd only) | 1.9671% | 4,885 |
| Net charge-offs to loans | 1.4966% | 1,279 |
| Credit loss provision to net charge-offs | 112.4620% | 3,615 |
| Earnings coverage of net charge-offs (x) | 1.3222% | 4,505 |
| Efficiency ratio | 60.2013% | 6,011 |
| Assets per employee ($millions) | 7.9673% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 3,792 |
| Loan loss allowance to noncurrent loans | 171.8830% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 1.6526% | 3,951 |
| Noncurrent loans to loans | 0.8877% | 5,492 |
| Net loans and leases to total assets | 72.9596% | 2,177 |
| Net loans and leases to deposits | 88.7507% | 2,044 |
| Net loans and leases to core deposits | 108.0819% | 1,295 |
| Total domestic deposits to total assets | 82.2073% | 4,904 |
| Equity capital to assets | 8.3575% | 6,348 |
| Core capital (leverage) ratio | 7.0676% | 7,152 |
| Tier 1 risk-based capital ratio | 10.8263% | 6,425 |
| Total risk-based capital ratio | 12.0818% | 6,410 |
| Memoranda: | ||
| Average total assets | $117,289,000 | 4,631 |
| Average earning assets | $108,854,330 | 4,587 |
| Average equity | $9,862,330 | 5,243 |
| Average total loans | $87,931,330 | 4,200 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8694% | 1,273 |
| Cost of funding earning assets | 2.0917% | 835 |
| Net interest margin | 3.7777% | 3,881 |
| Noninterest income to average assets | 0.2686% | 6,009 |
| Noninterest expense to average assets | 2.1932% | 6,702 |
| Loan and lease loss provision to assets | 1.3600% | 876 |
| Net operating income to assets | 0.1584% | 5,828 |
| Return on assets (ROA) | 0.1584% | 5,952 |
| Pretax return on assets | 0.2100% | 5,850 |
| Return on Equity (ROE) | 1.8776% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.8776% | 4,993 |
| Net charge-offs to loans | 0.5980% | 2,310 |
| Credit loss provision to net charge-offs | 301.5267% | 1,306 |
| Earnings coverage of net charge-offs (x) | 3.4809% | 2,896 |
| Efficiency ratio | 58.2800% | 6,444 |
| Assets per employee ($millions) | 8.0401% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7648% | 2,844 |
| Loan loss allowance to noncurrent loans | 127.3256% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 2.4958% | 2,912 |
| Noncurrent loans to loans | 1.3861% | 4,655 |
| Net loans and leases to total assets | 70.7534% | 2,746 |
| Net loans and leases to deposits | 85.3419% | 2,712 |
| Net loans and leases to core deposits | 104.7778% | 1,676 |
| Total domestic deposits to total assets | 82.9058% | 4,676 |
| Equity capital to assets | 8.1574% | 6,484 |
| Core capital (leverage) ratio | 7.5380% | 6,817 |
| Tier 1 risk-based capital ratio | 11.2655% | 5,883 |
| Total risk-based capital ratio | 12.5257% | 5,839 |
| Memoranda: | ||
| Average total assets | $116,178,500 | 4,719 |
| Average earning assets | $107,473,000 | 4,671 |
| Average equity | $9,799,500 | 5,292 |
| Average total loans | $87,624,500 | 4,269 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8883% | 328 |
| Cost of funding earning assets | 2.2793% | 1,732 |
| Net interest margin | 4.6089% | 965 |
| Noninterest income to average assets | 0.1507% | 6,979 |
| Noninterest expense to average assets | 2.5455% | 5,968 |
| Loan and lease loss provision to assets | 1.6764% | 1,367 |
| Net operating income to assets | 0.2684% | 4,655 |
| Return on assets (ROA) | 0.2684% | 4,733 |
| Pretax return on assets | 0.2325% | 4,935 |
| Return on Equity (ROE) | 2.9341% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.9341% | 3,113 |
| Net charge-offs to loans | 3.0064% | 705 |
| Credit loss provision to net charge-offs | 69.1358% | 6,506 |
| Earnings coverage of net charge-offs (x) | 0.7872% | 5,323 |
| Efficiency ratio | 57.1461% | 6,877 |
| Assets per employee ($millions) | 7.9825% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 4,051 |
| Loan loss allowance to noncurrent loans | 102.7530% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 2.7444% | 2,545 |
| Noncurrent loans to loans | 1.3973% | 4,586 |
| Net loans and leases to total assets | 77.9536% | 1,399 |
| Net loans and leases to deposits | 96.3769% | 1,285 |
| Net loans and leases to core deposits | 120.8113% | 1,894 |
| Total domestic deposits to total assets | 80.8841% | 5,383 |
| Equity capital to assets | 8.7343% | 5,544 |
| Core capital (leverage) ratio | 7.6607% | 6,600 |
| Tier 1 risk-based capital ratio | 10.7471% | 6,155 |
| Total risk-based capital ratio | 12.0021% | 6,126 |
| Memoranda: | ||
| Average total assets | $100,216,000 | 5,084 |
| Average earning assets | $93,579,600 | 5,019 |
| Average equity | $9,168,000 | 5,556 |
| Average total loans | $80,828,600 | 4,479 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1245% | 1,565 |
| Cost of funding earning assets | 2.2687% | 2,114 |
| Net interest margin | 3.8558% | 3,406 |
| Noninterest income to average assets | 0.1548% | 7,077 |
| Noninterest expense to average assets | 2.3411% | 6,588 |
| Loan and lease loss provision to assets | 1.2466% | 1,552 |
| Net operating income to assets | 0.1411% | 5,350 |
| Return on assets (ROA) | 0.1411% | 5,415 |
| Pretax return on assets | 0.1781% | 5,345 |
| Return on Equity (ROE) | 1.5225% | 5,326 |
| Retained earnings to average equity (ytd only) | 1.5225% | 4,463 |
| Net charge-offs to loans | 3.1686% | 509 |
| Credit loss provision to net charge-offs | 48.5075% | 6,333 |
| Earnings coverage of net charge-offs (x) | 0.5544% | 5,475 |
| Efficiency ratio | 62.1681% | 6,073 |
| Assets per employee ($millions) | 8.6853% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,302 |
| Loan loss allowance to noncurrent loans | 41.6370% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 3.3903% | 1,972 |
| Noncurrent loans to loans | 2.8090% | 2,703 |
| Net loans and leases to total assets | 78.8051% | 1,422 |
| Net loans and leases to deposits | 98.7449% | 1,241 |
| Net loans and leases to core deposits | 121.0931% | 2,149 |
| Total domestic deposits to total assets | 79.8067% | 5,517 |
| Equity capital to assets | 8.4511% | 6,311 |
| Core capital (leverage) ratio | 8.7008% | 5,126 |
| Tier 1 risk-based capital ratio | 10.0629% | 6,910 |
| Total risk-based capital ratio | 11.2985% | 6,880 |
| Memoranda: | ||
| Average total assets | $97,331,250 | 5,201 |
| Average earning assets | $91,151,250 | 5,124 |
| Average equity | $9,019,750 | 5,655 |
| Average total loans | $78,939,250 | 4,591 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5595% | 714 |
| Cost of funding earning assets | 2.4964% | 1,626 |
| Net interest margin | 4.0631% | 2,458 |
| Noninterest income to average assets | 0.1671% | 7,085 |
| Noninterest expense to average assets | 2.5418% | 5,975 |
| Loan and lease loss provision to assets | 1.1830% | 1,456 |
| Net operating income to assets | 0.1780% | 5,334 |
| Return on assets (ROA) | 0.1780% | 5,426 |
| Pretax return on assets | 0.2366% | 5,367 |
| Return on Equity (ROE) | 1.8540% | 5,355 |
| Retained earnings to average equity (ytd only) | 1.8540% | 4,314 |
| Net charge-offs to loans | 4.1759% | 328 |
| Credit loss provision to net charge-offs | 34.6913% | 5,970 |
| Earnings coverage of net charge-offs (x) | 0.4163% | 5,276 |
| Efficiency ratio | 64.1644% | 5,884 |
| Assets per employee ($millions) | 6.2605% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 4,145 |
| Loan loss allowance to noncurrent loans | 598.1928% | 563 |
| Noncurrent assets plus other real estate owned to assets | 1.6431% | 3,740 |
| Noncurrent loans to loans | 0.2211% | 6,955 |
| Net loans and leases to total assets | 78.8761% | 1,552 |
| Net loans and leases to deposits | 88.2365% | 3,136 |
| Net loans and leases to core deposits | 107.1970% | 3,703 |
| Total domestic deposits to total assets | 89.3917% | 1,085 |
| Equity capital to assets | 9.9576% | 4,005 |
| Core capital (leverage) ratio | 8.6099% | 5,248 |
| Tier 1 risk-based capital ratio | 9.9646% | 6,967 |
| Total risk-based capital ratio | 11.1997% | 6,916 |
| Memoranda: | ||
| Average total assets | $92,138,670 | 5,402 |
| Average earning assets | $86,043,330 | 5,335 |
| Average equity | $8,845,670 | 5,738 |
| Average total loans | $75,242,000 | 4,766 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6969% | 583 |
| Cost of funding earning assets | 2.6036% | 1,557 |
| Net interest margin | 4.0934% | 2,299 |
| Noninterest income to average assets | 0.1666% | 7,113 |
| Noninterest expense to average assets | 2.5599% | 5,612 |
| Loan and lease loss provision to assets | 1.2493% | 1,028 |
| Net operating income to assets | 0.1403% | 5,859 |
| Return on assets (ROA) | 0.1403% | 6,026 |
| Pretax return on assets | 0.1753% | 5,997 |
| Return on Equity (ROE) | 1.4896% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.4896% | 5,019 |
| Net charge-offs to loans | 7.2533% | 110 |
| Credit loss provision to net charge-offs | 20.8638% | 5,064 |
| Earnings coverage of net charge-offs (x) | 0.2379% | 4,791 |
| Efficiency ratio | 64.2464% | 5,643 |
| Assets per employee ($millions) | 6.1821% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 4,276 |
| Loan loss allowance to noncurrent loans | 593.6709% | 600 |
| Noncurrent assets plus other real estate owned to assets | 1.7028% | 3,363 |
| Noncurrent loans to loans | 0.2139% | 6,916 |
| Net loans and leases to total assets | 78.6331% | 1,661 |
| Net loans and leases to deposits | 89.1048% | 3,089 |
| Net loans and leases to core deposits | 114.7321% | 2,930 |
| Total domestic deposits to total assets | 88.2479% | 1,614 |
| Equity capital to assets | 9.3819% | 4,831 |
| Core capital (leverage) ratio | 8.6440% | 5,270 |
| Tier 1 risk-based capital ratio | 9.3375% | 7,557 |
| Total risk-based capital ratio | 10.4965% | 7,613 |
| Memoranda: | ||
| Average total assets | $91,254,000 | 5,445 |
| Average earning assets | $85,113,500 | 5,393 |
| Average equity | $8,593,000 | 5,850 |
| Average total loans | $75,331,000 | 4,790 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9908% | 1,158 |
| Cost of funding earning assets | 3.1532% | 1,340 |
| Net interest margin | 3.8376% | 3,849 |
| Noninterest income to average assets | 0.1460% | 7,371 |
| Noninterest expense to average assets | 2.7359% | 5,103 |
| Loan and lease loss provision to assets | 2.2222% | 516 |
| Net operating income to assets | 0.2643% | 5,665 |
| Return on assets (ROA) | 0.2643% | 5,488 |
| Pretax return on assets | -1.1543% | 7,093 |
| Return on Equity (ROE) | 2.9381% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.9381% | 3,346 |
| Net charge-offs to loans | 1.0597% | 1,160 |
| Credit loss provision to net charge-offs | 244.4314% | 1,906 |
| Earnings coverage of net charge-offs (x) | 1.1747% | 5,536 |
| Efficiency ratio | 71.9249% | 3,953 |
| Assets per employee ($millions) | 5.9851% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6287% | 595 |
| Loan loss allowance to noncurrent loans | 54.4792% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 4.1281% | 976 |
| Noncurrent loans to loans | 4.8251% | 939 |
| Net loans and leases to total assets | 83.3040% | 992 |
| Net loans and leases to deposits | 97.3231% | 2,227 |
| Net loans and leases to core deposits | 121.2638% | 2,582 |
| Total domestic deposits to total assets | 85.5953% | 2,585 |
| Equity capital to assets | 9.4524% | 4,753 |
| Core capital (leverage) ratio | 7.9903% | 6,510 |
| Tier 1 risk-based capital ratio | 8.9898% | 7,788 |
| Total risk-based capital ratio | 10.2550% | 7,778 |
| Memoranda: | ||
| Average total assets | $93,825,000 | 5,230 |
| Average earning assets | $89,431,600 | 5,103 |
| Average equity | $8,440,800 | 5,928 |
| Average total loans | $80,492,200 | 4,503 |