Home > National Bank of Commerce > Performance and Condition Ratios
National Bank of Commerce, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 391 |
| Cost of funding earning assets | 0.8284% | 2,381 |
| Net interest margin | 4.8256% | 386 |
| Noninterest income to average assets | 0.3236% | 3,698 |
| Noninterest expense to average assets | 5.0883% | 190 |
| Loan and lease loss provision to assets | 0.0032% | 3,376 |
| Net operating income to assets | -0.4391% | 5,244 |
| Return on assets (ROA) | -0.4837% | 5,245 |
| Pretax return on assets | -0.5994% | 5,249 |
| Return on Equity (ROE) | -2.9576% | 5,237 |
| Retained earnings to average equity (ytd only) | -15.0671% | 5,206 |
| Net charge-offs to loans | 0.1727% | 793 |
| Credit loss provision to net charge-offs | 2.3481% | 2,206 |
| Earnings coverage of net charge-offs (x) | -4.0380% | 2,709 |
| Efficiency ratio | 109.3201% | 112 |
| Assets per employee ($millions) | 6.8646% | 1,060 |
| Cash dividends to net income (ytd only)* | -409.4365% | 5,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4966% | 5,084 |
| Loan loss allowance to noncurrent loans | 118.0173% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 3,195 |
| Noncurrent loans to loans | 0.4208% | 3,082 |
| Net loans and leases to total assets | 78.5372% | 1,069 |
| Net loans and leases to deposits | 95.4397% | 1,020 |
| Net loans and leases to core deposits | 102.9196% | 1,388 |
| Total domestic deposits to total assets | 82.2899% | 3,648 |
| Equity capital to assets | 15.9701% | 576 |
| Core capital (leverage) ratio | 10.5038% | 3,046 |
| Tier 1 risk-based capital ratio | 12.6266% | 4,082 |
| Total risk-based capital ratio | 13.1373% | 4,429 |
| Memoranda: | ||
| Average total assets | $4,241,728,500 | 257 |
| Average earning assets | $3,703,481,500 | 264 |
| Average equity | $693,670,000 | 205 |
| Average total loans | $3,354,261,000 | 239 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6022% | 333 |
| Cost of funding earning assets | 0.6371% | 2,484 |
| Net interest margin | 4.9651% | 284 |
| Noninterest income to average assets | 0.5499% | 2,545 |
| Noninterest expense to average assets | 2.9803% | 2,097 |
| Loan and lease loss provision to assets | 0.1360% | 1,587 |
| Net operating income to assets | 1.3823% | 1,491 |
| Return on assets (ROA) | 1.3156% | 1,726 |
| Pretax return on assets | 1.7484% | 1,052 |
| Return on Equity (ROE) | 8.2383% | 3,340 |
| Retained earnings to average equity (ytd only) | 8.2383% | 1,137 |
| Net charge-offs to loans | 0.0556% | 2,344 |
| Credit loss provision to net charge-offs | 308.2898% | 1,011 |
| Earnings coverage of net charge-offs (x) | 44.1958% | 1,225 |
| Efficiency ratio | 57.9671% | 4,168 |
| Assets per employee ($millions) | 6.6563% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5453% | 5,071 |
| Loan loss allowance to noncurrent loans | 161.7514% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 3,419 |
| Noncurrent loans to loans | 0.3371% | 3,343 |
| Net loans and leases to total assets | 78.7966% | 1,139 |
| Net loans and leases to deposits | 96.1681% | 1,062 |
| Net loans and leases to core deposits | 103.3434% | 1,472 |
| Total domestic deposits to total assets | 81.9363% | 3,657 |
| Equity capital to assets | 16.7432% | 440 |
| Core capital (leverage) ratio | 11.2625% | 2,296 |
| Tier 1 risk-based capital ratio | 13.5650% | 3,512 |
| Total risk-based capital ratio | 14.1329% | 3,808 |
| Memoranda: | ||
| Average total assets | $3,472,210,400 | 293 |
| Average earning assets | $3,063,377,000 | 295 |
| Average equity | $554,469,600 | 229 |
| Average total loans | $2,753,880,800 | 269 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5140% | 351 |
| Cost of funding earning assets | 0.5777% | 2,651 |
| Net interest margin | 4.9363% | 291 |
| Noninterest income to average assets | 0.5672% | 2,486 |
| Noninterest expense to average assets | 2.9091% | 2,276 |
| Loan and lease loss provision to assets | 0.1287% | 1,561 |
| Net operating income to assets | 1.4467% | 1,340 |
| Return on assets (ROA) | 1.3820% | 1,552 |
| Pretax return on assets | 1.8292% | 946 |
| Return on Equity (ROE) | 8.7910% | 3,196 |
| Retained earnings to average equity (ytd only) | 8.7910% | 1,312 |
| Net charge-offs to loans | 0.0716% | 1,813 |
| Credit loss provision to net charge-offs | 226.6238% | 1,265 |
| Earnings coverage of net charge-offs (x) | 35.5789% | 1,452 |
| Efficiency ratio | 56.7192% | 4,287 |
| Assets per employee ($millions) | 6.3850% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5163% | 5,170 |
| Loan loss allowance to noncurrent loans | 351.7104% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 4,201 |
| Noncurrent loans to loans | 0.1468% | 4,230 |
| Net loans and leases to total assets | 78.7763% | 1,202 |
| Net loans and leases to deposits | 96.4441% | 1,099 |
| Net loans and leases to core deposits | 104.4486% | 1,424 |
| Total domestic deposits to total assets | 81.6807% | 3,696 |
| Equity capital to assets | 16.8765% | 428 |
| Core capital (leverage) ratio | 11.8383% | 1,890 |
| Tier 1 risk-based capital ratio | 13.4973% | 3,629 |
| Total risk-based capital ratio | 14.0288% | 3,939 |
| Memoranda: | ||
| Average total assets | $3,288,561,500 | 302 |
| Average earning assets | $2,906,534,750 | 305 |
| Average equity | $516,998,500 | 234 |
| Average total loans | $2,609,102,000 | 276 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5160% | 314 |
| Cost of funding earning assets | 0.5184% | 2,861 |
| Net interest margin | 4.9976% | 245 |
| Noninterest income to average assets | 0.6119% | 2,261 |
| Noninterest expense to average assets | 3.0430% | 1,930 |
| Loan and lease loss provision to assets | 0.1441% | 1,338 |
| Net operating income to assets | 1.4323% | 1,332 |
| Return on assets (ROA) | 1.3713% | 1,537 |
| Pretax return on assets | 1.8101% | 938 |
| Return on Equity (ROE) | 9.0231% | 3,007 |
| Retained earnings to average equity (ytd only) | 9.0231% | 1,213 |
| Net charge-offs to loans | 0.0970% | 1,385 |
| Credit loss provision to net charge-offs | 187.0912% | 1,364 |
| Earnings coverage of net charge-offs (x) | 26.1360% | 1,611 |
| Efficiency ratio | 58.2581% | 4,188 |
| Assets per employee ($millions) | 6.3442% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6344% | 5,047 |
| Loan loss allowance to noncurrent loans | 505.7540% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 4,287 |
| Noncurrent loans to loans | 0.1254% | 4,348 |
| Net loans and leases to total assets | 78.0520% | 1,302 |
| Net loans and leases to deposits | 93.9332% | 1,366 |
| Net loans and leases to core deposits | 100.4304% | 1,699 |
| Total domestic deposits to total assets | 83.0931% | 3,386 |
| Equity capital to assets | 15.7064% | 552 |
| Core capital (leverage) ratio | 11.0846% | 2,446 |
| Tier 1 risk-based capital ratio | 13.2381% | 3,770 |
| Total risk-based capital ratio | 13.8801% | 4,006 |
| Memoranda: | ||
| Average total assets | $3,018,367,330 | 318 |
| Average earning assets | $2,683,713,670 | 320 |
| Average equity | $458,734,670 | 252 |
| Average total loans | $2,396,832,330 | 289 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 250 |
| Cost of funding earning assets | 0.4647% | 3,088 |
| Net interest margin | 5.1006% | 194 |
| Noninterest income to average assets | 0.6620% | 1,989 |
| Noninterest expense to average assets | 3.2831% | 1,379 |
| Loan and lease loss provision to assets | 0.1804% | 950 |
| Net operating income to assets | 1.3393% | 1,512 |
| Return on assets (ROA) | 1.2975% | 1,651 |
| Pretax return on assets | 1.7174% | 1,071 |
| Return on Equity (ROE) | 8.6972% | 3,062 |
| Retained earnings to average equity (ytd only) | 8.6972% | 1,576 |
| Net charge-offs to loans | 0.0795% | 1,336 |
| Credit loss provision to net charge-offs | 284.0517% | 849 |
| Earnings coverage of net charge-offs (x) | 30.4547% | 1,230 |
| Efficiency ratio | 60.9896% | 3,945 |
| Assets per employee ($millions) | 6.1460% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6331% | 5,129 |
| Loan loss allowance to noncurrent loans | 452.2844% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,363 |
| Noncurrent loans to loans | 0.1400% | 4,338 |
| Net loans and leases to total assets | 79.9332% | 942 |
| Net loans and leases to deposits | 96.4840% | 978 |
| Net loans and leases to core deposits | 104.7067% | 1,327 |
| Total domestic deposits to total assets | 82.8460% | 3,715 |
| Equity capital to assets | 15.8545% | 509 |
| Core capital (leverage) ratio | 10.8213% | 2,610 |
| Tier 1 risk-based capital ratio | 12.8270% | 4,051 |
| Total risk-based capital ratio | 13.4665% | 4,320 |
| Memoranda: | ||
| Average total assets | $2,922,474,500 | 324 |
| Average earning assets | $2,609,958,500 | 327 |
| Average equity | $436,002,500 | 265 |
| Average total loans | $2,334,455,000 | 295 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 582 |
| Cost of funding earning assets | 0.4057% | 3,196 |
| Net interest margin | 4.6472% | 455 |
| Noninterest income to average assets | 0.8324% | 1,457 |
| Noninterest expense to average assets | 2.9625% | 2,269 |
| Loan and lease loss provision to assets | 0.1611% | 1,391 |
| Net operating income to assets | 0.9952% | 2,268 |
| Return on assets (ROA) | 0.9139% | 2,665 |
| Pretax return on assets | 1.8027% | 793 |
| Return on Equity (ROE) | 6.8624% | 3,348 |
| Retained earnings to average equity (ytd only) | 6.8624% | 1,133 |
| Net charge-offs to loans | 0.0539% | 2,726 |
| Credit loss provision to net charge-offs | 381.0176% | 791 |
| Earnings coverage of net charge-offs (x) | 48.4031% | 1,113 |
| Efficiency ratio | 57.9416% | 4,535 |
| Assets per employee ($millions) | 6.4204% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6914% | 5,089 |
| Loan loss allowance to noncurrent loans | 440.8650% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 4,321 |
| Noncurrent loans to loans | 0.1568% | 4,304 |
| Net loans and leases to total assets | 78.6913% | 1,186 |
| Net loans and leases to deposits | 92.8025% | 1,406 |
| Net loans and leases to core deposits | 98.3391% | 1,839 |
| Total domestic deposits to total assets | 84.7943% | 2,915 |
| Equity capital to assets | 13.8552% | 946 |
| Core capital (leverage) ratio | 10.3594% | 3,004 |
| Tier 1 risk-based capital ratio | 11.6924% | 4,726 |
| Total risk-based capital ratio | 12.3714% | 4,961 |
| Memoranda: | ||
| Average total assets | $2,417,207,600 | 354 |
| Average earning assets | $2,172,402,200 | 354 |
| Average equity | $321,927,000 | 319 |
| Average total loans | $1,894,423,600 | 322 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 552 |
| Cost of funding earning assets | 0.4049% | 3,136 |
| Net interest margin | 4.6450% | 450 |
| Noninterest income to average assets | 0.8650% | 1,387 |
| Noninterest expense to average assets | 3.0323% | 2,024 |
| Loan and lease loss provision to assets | 0.1378% | 1,554 |
| Net operating income to assets | 1.2155% | 1,625 |
| Return on assets (ROA) | 1.1314% | 2,008 |
| Pretax return on assets | 1.7847% | 921 |
| Return on Equity (ROE) | 8.5964% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.5964% | 978 |
| Net charge-offs to loans | 0.0193% | 3,102 |
| Credit loss provision to net charge-offs | 911.6981% | 382 |
| Earnings coverage of net charge-offs (x) | 132.7338% | 583 |
| Efficiency ratio | 58.9817% | 4,358 |
| Assets per employee ($millions) | 5.8256% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 5,155 |
| Loan loss allowance to noncurrent loans | 325.2908% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 4,190 |
| Noncurrent loans to loans | 0.2117% | 4,220 |
| Net loans and leases to total assets | 80.8166% | 869 |
| Net loans and leases to deposits | 96.2523% | 1,096 |
| Net loans and leases to core deposits | 102.8073% | 1,482 |
| Total domestic deposits to total assets | 83.9633% | 3,138 |
| Equity capital to assets | 14.5524% | 844 |
| Core capital (leverage) ratio | 10.5494% | 2,931 |
| Tier 1 risk-based capital ratio | 11.7923% | 4,775 |
| Total risk-based capital ratio | 12.4767% | 5,017 |
| Memoranda: | ||
| Average total assets | $2,337,741,250 | 362 |
| Average earning assets | $2,100,403,750 | 365 |
| Average equity | $307,671,250 | 329 |
| Average total loans | $1,826,217,250 | 338 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 548 |
| Cost of funding earning assets | 0.4105% | 2,973 |
| Net interest margin | 4.6033% | 475 |
| Noninterest income to average assets | 0.9272% | 1,190 |
| Noninterest expense to average assets | 3.1328% | 1,759 |
| Loan and lease loss provision to assets | 0.1156% | 1,780 |
| Net operating income to assets | 1.1932% | 1,618 |
| Return on assets (ROA) | 1.1133% | 1,959 |
| Pretax return on assets | 1.7570% | 928 |
| Return on Equity (ROE) | 8.8074% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.8074% | 898 |
| Net charge-offs to loans | 0.0019% | 3,447 |
| Credit loss provision to net charge-offs | 7,711.7647% | 47 |
| Earnings coverage of net charge-offs (x) | 1,302.0588% | 50 |
| Efficiency ratio | 60.4089% | 4,263 |
| Assets per employee ($millions) | 5.8615% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 5,195 |
| Loan loss allowance to noncurrent loans | 331.1188% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,515 |
| Noncurrent loans to loans | 0.2133% | 4,267 |
| Net loans and leases to total assets | 78.0416% | 1,241 |
| Net loans and leases to deposits | 92.0140% | 1,491 |
| Net loans and leases to core deposits | 98.9083% | 1,735 |
| Total domestic deposits to total assets | 84.8150% | 2,886 |
| Equity capital to assets | 13.7382% | 1,063 |
| Core capital (leverage) ratio | 9.6744% | 3,929 |
| Tier 1 risk-based capital ratio | 11.9115% | 4,694 |
| Total risk-based capital ratio | 12.6192% | 4,933 |
| Memoranda: | ||
| Average total assets | $2,268,392,330 | 374 |
| Average earning assets | $2,048,582,330 | 375 |
| Average equity | $286,737,000 | 340 |
| Average total loans | $1,744,395,000 | 351 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0237% | 505 |
| Cost of funding earning assets | 0.4199% | 2,814 |
| Net interest margin | 4.6038% | 443 |
| Noninterest income to average assets | 0.9913% | 1,022 |
| Noninterest expense to average assets | 3.3008% | 1,389 |
| Loan and lease loss provision to assets | 0.0284% | 3,198 |
| Net operating income to assets | 1.1896% | 1,527 |
| Return on assets (ROA) | 1.0997% | 1,912 |
| Pretax return on assets | 1.7295% | 937 |
| Return on Equity (ROE) | 9.1363% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.1363% | 1,034 |
| Net charge-offs to loans | -0.0710% | 5,330 |
| Credit loss provision to net charge-offs | -52.7027% | 3,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8796% | 4,008 |
| Assets per employee ($millions) | 6.0754% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 5,338 |
| Loan loss allowance to noncurrent loans | 353.3465% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 4,335 |
| Noncurrent loans to loans | 0.1939% | 4,427 |
| Net loans and leases to total assets | 74.5884% | 1,651 |
| Net loans and leases to deposits | 86.4823% | 1,978 |
| Net loans and leases to core deposits | 94.1726% | 1,974 |
| Total domestic deposits to total assets | 86.2470% | 2,558 |
| Equity capital to assets | 12.4766% | 1,557 |
| Core capital (leverage) ratio | 8.6435% | 5,110 |
| Tier 1 risk-based capital ratio | 10.7798% | 5,424 |
| Total risk-based capital ratio | 11.4612% | 5,595 |
| Memoranda: | ||
| Average total assets | $2,195,112,000 | 383 |
| Average earning assets | $1,982,194,500 | 383 |
| Average equity | $264,220,000 | 358 |
| Average total loans | $1,667,554,500 | 359 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,280 |
| Cost of funding earning assets | 0.3963% | 3,034 |
| Net interest margin | 4.2053% | 1,102 |
| Noninterest income to average assets | 0.7800% | 1,829 |
| Noninterest expense to average assets | 2.7214% | 3,275 |
| Loan and lease loss provision to assets | 0.1814% | 1,313 |
| Net operating income to assets | 1.1143% | 1,843 |
| Return on assets (ROA) | 1.0270% | 2,336 |
| Pretax return on assets | 1.5948% | 1,302 |
| Return on Equity (ROE) | 8.6739% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.6739% | 651 |
| Net charge-offs to loans | 0.0690% | 2,710 |
| Credit loss provision to net charge-offs | 332.4463% | 909 |
| Earnings coverage of net charge-offs (x) | 34.1535% | 1,322 |
| Efficiency ratio | 58.4350% | 4,799 |
| Assets per employee ($millions) | 6.5586% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 5,083 |
| Loan loss allowance to noncurrent loans | 354.3885% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 4,146 |
| Noncurrent loans to loans | 0.2277% | 4,337 |
| Net loans and leases to total assets | 76.4280% | 1,447 |
| Net loans and leases to deposits | 87.8803% | 1,940 |
| Net loans and leases to core deposits | 96.7128% | 1,863 |
| Total domestic deposits to total assets | 86.9683% | 2,164 |
| Equity capital to assets | 11.4852% | 2,183 |
| Core capital (leverage) ratio | 9.2472% | 4,412 |
| Tier 1 risk-based capital ratio | 11.0685% | 5,302 |
| Total risk-based capital ratio | 11.8760% | 5,433 |
| Memoranda: | ||
| Average total assets | $1,790,607,800 | 433 |
| Average earning assets | $1,620,152,000 | 440 |
| Average equity | $212,004,400 | 413 |
| Average total loans | $1,415,516,200 | 392 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6760% | 1,118 |
| Cost of funding earning assets | 0.4014% | 3,009 |
| Net interest margin | 4.2745% | 972 |
| Noninterest income to average assets | 0.7995% | 1,766 |
| Noninterest expense to average assets | 2.7924% | 3,034 |
| Loan and lease loss provision to assets | 0.2137% | 981 |
| Net operating income to assets | 1.0997% | 1,996 |
| Return on assets (ROA) | 1.0091% | 2,527 |
| Pretax return on assets | 1.5672% | 1,473 |
| Return on Equity (ROE) | 8.4522% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.4522% | 994 |
| Net charge-offs to loans | 0.0668% | 2,373 |
| Credit loss provision to net charge-offs | 401.5737% | 838 |
| Earnings coverage of net charge-offs (x) | 35.1673% | 1,339 |
| Efficiency ratio | 58.9357% | 4,694 |
| Assets per employee ($millions) | 6.3011% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 5,069 |
| Loan loss allowance to noncurrent loans | 355.7606% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 4,166 |
| Noncurrent loans to loans | 0.2365% | 4,426 |
| Net loans and leases to total assets | 79.2513% | 1,000 |
| Net loans and leases to deposits | 92.1985% | 1,469 |
| Net loans and leases to core deposits | 103.0303% | 1,415 |
| Total domestic deposits to total assets | 85.9573% | 2,385 |
| Equity capital to assets | 12.3350% | 1,874 |
| Core capital (leverage) ratio | 9.4268% | 4,291 |
| Tier 1 risk-based capital ratio | 11.2491% | 5,228 |
| Total risk-based capital ratio | 12.0857% | 5,370 |
| Memoranda: | ||
| Average total assets | $1,751,284,000 | 449 |
| Average earning assets | $1,583,230,750 | 444 |
| Average equity | $209,075,250 | 419 |
| Average total loans | $1,394,181,000 | 396 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 1,151 |
| Cost of funding earning assets | 0.4057% | 2,978 |
| Net interest margin | 4.2504% | 1,019 |
| Noninterest income to average assets | 0.7460% | 1,946 |
| Noninterest expense to average assets | 2.7893% | 3,060 |
| Loan and lease loss provision to assets | 0.2793% | 660 |
| Net operating income to assets | 1.0151% | 2,324 |
| Return on assets (ROA) | 0.9269% | 2,870 |
| Pretax return on assets | 1.4330% | 1,893 |
| Return on Equity (ROE) | 7.8529% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.8529% | 1,220 |
| Net charge-offs to loans | 0.0915% | 1,931 |
| Credit loss provision to net charge-offs | 383.9117% | 797 |
| Earnings coverage of net charge-offs (x) | 24.7461% | 1,533 |
| Efficiency ratio | 59.8140% | 4,665 |
| Assets per employee ($millions) | 6.1036% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 5,236 |
| Loan loss allowance to noncurrent loans | 310.2052% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 4,122 |
| Noncurrent loans to loans | 0.2632% | 4,418 |
| Net loans and leases to total assets | 81.5960% | 673 |
| Net loans and leases to deposits | 95.0576% | 1,179 |
| Net loans and leases to core deposits | 107.1099% | 1,091 |
| Total domestic deposits to total assets | 85.8385% | 2,495 |
| Equity capital to assets | 12.3242% | 1,890 |
| Core capital (leverage) ratio | 9.2216% | 4,560 |
| Tier 1 risk-based capital ratio | 10.8973% | 5,481 |
| Total risk-based capital ratio | 11.7151% | 5,601 |
| Memoranda: | ||
| Average total assets | $1,742,740,670 | 450 |
| Average earning assets | $1,576,048,670 | 445 |
| Average equity | $205,706,330 | 424 |
| Average total loans | $1,385,515,330 | 398 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 1,194 |
| Cost of funding earning assets | 0.4169% | 2,885 |
| Net interest margin | 4.2095% | 1,078 |
| Noninterest income to average assets | 0.7153% | 1,958 |
| Noninterest expense to average assets | 2.7467% | 3,250 |
| Loan and lease loss provision to assets | 0.3509% | 425 |
| Net operating income to assets | 0.9335% | 2,589 |
| Return on assets (ROA) | 0.8557% | 3,087 |
| Pretax return on assets | 1.3540% | 2,074 |
| Return on Equity (ROE) | 7.4114% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.4114% | 1,702 |
| Net charge-offs to loans | 0.1313% | 1,317 |
| Credit loss provision to net charge-offs | 342.1875% | 783 |
| Earnings coverage of net charge-offs (x) | 17.3839% | 1,579 |
| Efficiency ratio | 59.6755% | 4,791 |
| Assets per employee ($millions) | 6.1474% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 5,415 |
| Loan loss allowance to noncurrent loans | 256.9245% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 3,942 |
| Noncurrent loans to loans | 0.3046% | 4,333 |
| Net loans and leases to total assets | 79.9018% | 830 |
| Net loans and leases to deposits | 91.9823% | 1,347 |
| Net loans and leases to core deposits | 104.0304% | 1,190 |
| Total domestic deposits to total assets | 86.8665% | 2,267 |
| Equity capital to assets | 11.7598% | 2,192 |
| Core capital (leverage) ratio | 8.5612% | 5,332 |
| Tier 1 risk-based capital ratio | 10.4769% | 5,761 |
| Total risk-based capital ratio | 11.2635% | 5,861 |
| Memoranda: | ||
| Average total assets | $1,747,401,000 | 443 |
| Average earning assets | $1,583,259,500 | 443 |
| Average equity | $201,744,500 | 424 |
| Average total loans | $1,365,251,000 | 401 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 1,587 |
| Cost of funding earning assets | 0.3937% | 3,221 |
| Net interest margin | 4.1089% | 1,394 |
| Noninterest income to average assets | 0.6191% | 2,624 |
| Noninterest expense to average assets | 2.9061% | 2,841 |
| Loan and lease loss provision to assets | 0.0830% | 2,634 |
| Net operating income to assets | 0.9269% | 2,716 |
| Return on assets (ROA) | 0.7726% | 3,529 |
| Pretax return on assets | 1.2083% | 2,630 |
| Return on Equity (ROE) | 6.9072% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.9072% | 1,319 |
| Net charge-offs to loans | 0.1037% | 2,368 |
| Credit loss provision to net charge-offs | 103.7279% | 2,417 |
| Earnings coverage of net charge-offs (x) | 18.0652% | 2,036 |
| Efficiency ratio | 65.9098% | 3,920 |
| Assets per employee ($millions) | 6.0943% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7375% | 5,565 |
| Loan loss allowance to noncurrent loans | 249.3539% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 3,817 |
| Noncurrent loans to loans | 0.2958% | 4,398 |
| Net loans and leases to total assets | 75.2076% | 1,534 |
| Net loans and leases to deposits | 87.0602% | 1,995 |
| Net loans and leases to core deposits | 98.6826% | 1,619 |
| Total domestic deposits to total assets | 86.3857% | 2,440 |
| Equity capital to assets | 11.3344% | 2,512 |
| Core capital (leverage) ratio | 9.0479% | 4,820 |
| Tier 1 risk-based capital ratio | 10.3378% | 5,851 |
| Total risk-based capital ratio | 11.0566% | 5,962 |
| Memoranda: | ||
| Average total assets | $1,340,886,600 | 533 |
| Average earning assets | $1,218,077,000 | 540 |
| Average equity | $149,987,400 | 503 |
| Average total loans | $1,034,644,400 | 465 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 1,467 |
| Cost of funding earning assets | 0.3898% | 3,326 |
| Net interest margin | 4.1564% | 1,262 |
| Noninterest income to average assets | 0.6756% | 2,352 |
| Noninterest expense to average assets | 3.0229% | 2,453 |
| Loan and lease loss provision to assets | 0.0520% | 3,155 |
| Net operating income to assets | 0.9466% | 2,725 |
| Return on assets (ROA) | 0.7706% | 3,666 |
| Pretax return on assets | 1.2082% | 2,791 |
| Return on Equity (ROE) | 6.9215% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.9215% | 1,725 |
| Net charge-offs to loans | 0.1241% | 1,884 |
| Credit loss provision to net charge-offs | 53.9754% | 2,989 |
| Earnings coverage of net charge-offs (x) | 14.9070% | 2,218 |
| Efficiency ratio | 66.9852% | 3,716 |
| Assets per employee ($millions) | 5.3528% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 5,134 |
| Loan loss allowance to noncurrent loans | 246.7420% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 3,664 |
| Noncurrent loans to loans | 0.3720% | 4,281 |
| Net loans and leases to total assets | 75.1483% | 1,517 |
| Net loans and leases to deposits | 87.2813% | 1,995 |
| Net loans and leases to core deposits | 100.9143% | 1,446 |
| Total domestic deposits to total assets | 86.0989% | 2,477 |
| Equity capital to assets | 10.9808% | 3,047 |
| Core capital (leverage) ratio | 8.6732% | 5,385 |
| Tier 1 risk-based capital ratio | 10.7801% | 5,762 |
| Total risk-based capital ratio | 11.6933% | 5,838 |
| Memoranda: | ||
| Average total assets | $1,235,796,250 | 574 |
| Average earning assets | $1,124,911,500 | 574 |
| Average equity | $137,577,500 | 551 |
| Average total loans | $959,697,000 | 495 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 1,349 |
| Cost of funding earning assets | 0.3849% | 3,425 |
| Net interest margin | 4.1846% | 1,137 |
| Noninterest income to average assets | 0.6610% | 2,410 |
| Noninterest expense to average assets | 3.0887% | 2,275 |
| Loan and lease loss provision to assets | 0.0469% | 3,184 |
| Net operating income to assets | 0.9146% | 2,803 |
| Return on assets (ROA) | 0.7378% | 3,811 |
| Pretax return on assets | 1.1562% | 2,949 |
| Return on Equity (ROE) | 6.5939% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.5939% | 1,900 |
| Net charge-offs to loans | 0.1724% | 1,433 |
| Credit loss provision to net charge-offs | 34.7342% | 2,877 |
| Earnings coverage of net charge-offs (x) | 10.2176% | 2,382 |
| Efficiency ratio | 68.2917% | 3,636 |
| Assets per employee ($millions) | 4.9777% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 5,128 |
| Loan loss allowance to noncurrent loans | 164.7832% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 3,713 |
| Noncurrent loans to loans | 0.5717% | 3,736 |
| Net loans and leases to total assets | 77.7380% | 1,106 |
| Net loans and leases to deposits | 90.5974% | 1,528 |
| Net loans and leases to core deposits | 105.6727% | 1,089 |
| Total domestic deposits to total assets | 85.8060% | 2,791 |
| Equity capital to assets | 11.1694% | 2,697 |
| Core capital (leverage) ratio | 8.7987% | 5,225 |
| Tier 1 risk-based capital ratio | 10.2125% | 6,030 |
| Total risk-based capital ratio | 11.1320% | 6,073 |
| Memoranda: | ||
| Average total assets | $1,198,096,670 | 588 |
| Average earning assets | $1,090,134,330 | 590 |
| Average equity | $134,063,670 | 564 |
| Average total loans | $938,575,330 | 502 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 1,259 |
| Cost of funding earning assets | 0.3861% | 3,453 |
| Net interest margin | 4.1978% | 1,062 |
| Noninterest income to average assets | 0.6014% | 2,643 |
| Noninterest expense to average assets | 3.1006% | 2,268 |
| Loan and lease loss provision to assets | 0.0550% | 2,834 |
| Net operating income to assets | 0.8616% | 2,951 |
| Return on assets (ROA) | 0.7022% | 3,912 |
| Pretax return on assets | 1.1040% | 3,055 |
| Return on Equity (ROE) | 6.2697% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.2697% | 2,345 |
| Net charge-offs to loans | 0.1926% | 1,162 |
| Credit loss provision to net charge-offs | 36.5079% | 2,212 |
| Earnings coverage of net charge-offs (x) | 8.7438% | 2,063 |
| Efficiency ratio | 69.3075% | 3,609 |
| Assets per employee ($millions) | 5.0411% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,924 |
| Loan loss allowance to noncurrent loans | 283.2243% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 4,363 |
| Noncurrent loans to loans | 0.3597% | 4,513 |
| Net loans and leases to total assets | 76.7773% | 1,088 |
| Net loans and leases to deposits | 90.1967% | 1,368 |
| Net loans and leases to core deposits | 103.7740% | 1,077 |
| Total domestic deposits to total assets | 85.1221% | 3,346 |
| Equity capital to assets | 11.4385% | 2,523 |
| Core capital (leverage) ratio | 9.0134% | 4,935 |
| Tier 1 risk-based capital ratio | 10.6961% | 5,939 |
| Total risk-based capital ratio | 11.7018% | 5,980 |
| Memoranda: | ||
| Average total assets | $1,169,955,500 | 602 |
| Average earning assets | $1,063,986,000 | 601 |
| Average equity | $131,042,000 | 581 |
| Average total loans | $915,661,500 | 513 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,540 |
| Cost of funding earning assets | 0.3695% | 4,046 |
| Net interest margin | 3.6767% | 3,093 |
| Noninterest income to average assets | 0.6104% | 2,796 |
| Noninterest expense to average assets | 2.7484% | 3,681 |
| Loan and lease loss provision to assets | 0.1184% | 2,199 |
| Net operating income to assets | 0.7603% | 3,570 |
| Return on assets (ROA) | 0.6957% | 4,031 |
| Pretax return on assets | 1.0881% | 3,132 |
| Return on Equity (ROE) | 6.3356% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.3356% | 1,742 |
| Net charge-offs to loans | 0.0458% | 3,914 |
| Credit loss provision to net charge-offs | 331.5254% | 791 |
| Earnings coverage of net charge-offs (x) | 35.6271% | 1,184 |
| Efficiency ratio | 68.3539% | 3,836 |
| Assets per employee ($millions) | 4.5627% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 3,341 |
| Loan loss allowance to noncurrent loans | 393.1809% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 4,609 |
| Noncurrent loans to loans | 0.3346% | 4,647 |
| Net loans and leases to total assets | 80.9696% | 627 |
| Net loans and leases to deposits | 94.7973% | 1,013 |
| Net loans and leases to core deposits | 109.9428% | 777 |
| Total domestic deposits to total assets | 85.4134% | 3,118 |
| Equity capital to assets | 10.3821% | 3,626 |
| Core capital (leverage) ratio | 8.5569% | 5,488 |
| Tier 1 risk-based capital ratio | 10.1466% | 6,216 |
| Total risk-based capital ratio | 11.3976% | 6,165 |
| Memoranda: | ||
| Average total assets | $825,961,200 | 817 |
| Average earning assets | $766,149,600 | 797 |
| Average equity | $90,694,200 | 809 |
| Average total loans | $643,787,400 | 675 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 4,887 |
| Cost of funding earning assets | 0.3596% | 4,233 |
| Net interest margin | 3.3317% | 4,500 |
| Noninterest income to average assets | 0.6032% | 2,849 |
| Noninterest expense to average assets | 2.6522% | 4,007 |
| Loan and lease loss provision to assets | 0.0252% | 3,905 |
| Net operating income to assets | 0.6768% | 4,068 |
| Return on assets (ROA) | 0.6388% | 4,361 |
| Pretax return on assets | 0.9882% | 3,640 |
| Return on Equity (ROE) | 5.7296% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.7296% | 2,587 |
| Net charge-offs to loans | 0.0545% | 3,436 |
| Credit loss provision to net charge-offs | 60.0791% | 2,932 |
| Earnings coverage of net charge-offs (x) | 25.1506% | 1,516 |
| Efficiency ratio | 71.5747% | 3,254 |
| Assets per employee ($millions) | 4.6742% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 3,894 |
| Loan loss allowance to noncurrent loans | 714.0143% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 5,282 |
| Noncurrent loans to loans | 0.1761% | 5,387 |
| Net loans and leases to total assets | 78.9122% | 845 |
| Net loans and leases to deposits | 92.2501% | 1,204 |
| Net loans and leases to core deposits | 106.3463% | 937 |
| Total domestic deposits to total assets | 85.5415% | 3,096 |
| Equity capital to assets | 10.2687% | 3,829 |
| Core capital (leverage) ratio | 9.3400% | 4,586 |
| Tier 1 risk-based capital ratio | 10.5296% | 6,204 |
| Total risk-based capital ratio | 11.7798% | 6,149 |
| Memoranda: | ||
| Average total assets | $805,455,750 | 847 |
| Average earning assets | $749,990,500 | 819 |
| Average equity | $89,800,750 | 817 |
| Average total loans | $618,486,250 | 701 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 5,436 |
| Cost of funding earning assets | 0.3562% | 4,363 |
| Net interest margin | 3.1304% | 5,157 |
| Noninterest income to average assets | 0.5914% | 2,856 |
| Noninterest expense to average assets | 2.6296% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5826% | 4,439 |
| Return on assets (ROA) | 0.5826% | 4,537 |
| Pretax return on assets | 0.8952% | 3,904 |
| Return on Equity (ROE) | 5.0710% | 4,640 |
| Retained earnings to average equity (ytd only) | 5.0710% | 2,917 |
| Net charge-offs to loans | 0.0495% | 3,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 23.9172% | 1,451 |
| Efficiency ratio | 74.6027% | 2,872 |
| Assets per employee ($millions) | 5.6715% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 2,924 |
| Loan loss allowance to noncurrent loans | 750.9623% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 5,327 |
| Noncurrent loans to loans | 0.1992% | 5,418 |
| Net loans and leases to total assets | 75.5132% | 1,231 |
| Net loans and leases to deposits | 88.4639% | 1,539 |
| Net loans and leases to core deposits | 96.7655% | 1,543 |
| Total domestic deposits to total assets | 85.3605% | 3,341 |
| Equity capital to assets | 11.5620% | 2,364 |
| Core capital (leverage) ratio | 11.7887% | 1,795 |
| Tier 1 risk-based capital ratio | 14.5838% | 3,876 |
| Total risk-based capital ratio | 15.8370% | 3,828 |
| Memoranda: | ||
| Average total assets | $774,792,000 | 875 |
| Average earning assets | $726,042,000 | 848 |
| Average equity | $89,015,670 | 819 |
| Average total loans | $585,577,330 | 747 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 5,631 |
| Cost of funding earning assets | 0.3617% | 4,421 |
| Net interest margin | 3.0454% | 5,399 |
| Noninterest income to average assets | 0.5018% | 3,394 |
| Noninterest expense to average assets | 2.5317% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5423% | 4,491 |
| Return on assets (ROA) | 0.5423% | 4,564 |
| Pretax return on assets | 0.8494% | 3,904 |
| Return on Equity (ROE) | 4.7350% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.7350% | 3,273 |
| Net charge-offs to loans | -0.0297% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8772% | 2,985 |
| Assets per employee ($millions) | 5.6854% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 2,632 |
| Loan loss allowance to noncurrent loans | 276.2134% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 4,489 |
| Noncurrent loans to loans | 0.5844% | 4,406 |
| Net loans and leases to total assets | 74.4098% | 1,205 |
| Net loans and leases to deposits | 87.6590% | 1,399 |
| Net loans and leases to core deposits | 94.9856% | 1,469 |
| Total domestic deposits to total assets | 84.8856% | 3,928 |
| Equity capital to assets | 11.8521% | 1,980 |
| Core capital (leverage) ratio | 11.4361% | 2,016 |
| Tier 1 risk-based capital ratio | 15.0936% | 3,660 |
| Total risk-based capital ratio | 16.3482% | 3,615 |
| Memoranda: | ||
| Average total assets | $770,857,000 | 882 |
| Average earning assets | $728,827,000 | 851 |
| Average equity | $88,278,000 | 828 |
| Average total loans | $578,372,500 | 757 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 5,470 |
| Cost of funding earning assets | 0.4006% | 4,650 |
| Net interest margin | 3.1747% | 5,080 |
| Noninterest income to average assets | 0.7596% | 2,253 |
| Noninterest expense to average assets | 2.8272% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5853% | 4,334 |
| Return on assets (ROA) | 0.5896% | 4,423 |
| Pretax return on assets | 0.9307% | 3,639 |
| Return on Equity (ROE) | 4.7621% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.7621% | 2,760 |
| Net charge-offs to loans | 0.1765% | 3,065 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.0954% | 2,913 |
| Efficiency ratio | 75.3699% | 2,880 |
| Assets per employee ($millions) | 6.0865% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 2,969 |
| Loan loss allowance to noncurrent loans | 270.5132% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 4,636 |
| Noncurrent loans to loans | 0.5722% | 4,554 |
| Net loans and leases to total assets | 73.3074% | 1,470 |
| Net loans and leases to deposits | 85.4466% | 1,758 |
| Net loans and leases to core deposits | 97.3887% | 1,356 |
| Total domestic deposits to total assets | 85.7933% | 3,364 |
| Equity capital to assets | 11.0724% | 2,548 |
| Core capital (leverage) ratio | 12.0651% | 1,561 |
| Tier 1 risk-based capital ratio | 14.4576% | 3,980 |
| Total risk-based capital ratio | 15.7114% | 3,919 |
| Memoranda: | ||
| Average total assets | $691,949,800 | 956 |
| Average earning assets | $652,024,400 | 926 |
| Average equity | $85,676,000 | 834 |
| Average total loans | $510,498,600 | 835 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 5,365 |
| Cost of funding earning assets | 0.4198% | 4,617 |
| Net interest margin | 3.2083% | 4,971 |
| Noninterest income to average assets | 0.8190% | 2,061 |
| Noninterest expense to average assets | 3.0238% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5176% | 4,730 |
| Return on assets (ROA) | 0.5236% | 4,852 |
| Pretax return on assets | 0.8226% | 4,211 |
| Return on Equity (ROE) | 4.1004% | 5,171 |
| Retained earnings to average equity (ytd only) | 4.1004% | 3,770 |
| Net charge-offs to loans | 0.2306% | 2,420 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.7927% | 3,352 |
| Efficiency ratio | 78.8062% | 2,289 |
| Assets per employee ($millions) | 5.1410% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 2,641 |
| Loan loss allowance to noncurrent loans | 263.9137% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 4,515 |
| Noncurrent loans to loans | 0.6418% | 4,593 |
| Net loans and leases to total assets | 79.0358% | 646 |
| Net loans and leases to deposits | 94.7931% | 771 |
| Net loans and leases to core deposits | 101.9365% | 995 |
| Total domestic deposits to total assets | 83.3772% | 4,430 |
| Equity capital to assets | 12.7967% | 1,426 |
| Core capital (leverage) ratio | 12.3687% | 1,486 |
| Tier 1 risk-based capital ratio | 14.8936% | 3,818 |
| Total risk-based capital ratio | 16.1491% | 3,766 |
| Memoranda: | ||
| Average total assets | $667,125,750 | 1,005 |
| Average earning assets | $627,559,500 | 974 |
| Average equity | $85,192,500 | 844 |
| Average total loans | $490,833,000 | 867 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5062% | 5,681 |
| Cost of funding earning assets | 0.4274% | 4,683 |
| Net interest margin | 3.0788% | 5,336 |
| Noninterest income to average assets | 0.8141% | 2,128 |
| Noninterest expense to average assets | 3.0000% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4565% | 4,984 |
| Return on assets (ROA) | 0.4656% | 5,124 |
| Pretax return on assets | 0.7269% | 4,591 |
| Return on Equity (ROE) | 3.6483% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.6483% | 3,988 |
| Net charge-offs to loans | 0.0760% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 1,921 |
| Efficiency ratio | 80.8019% | 2,047 |
| Assets per employee ($millions) | 4.8502% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8959% | 2,125 |
| Loan loss allowance to noncurrent loans | 1,138.8889% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 5,988 |
| Noncurrent loans to loans | 0.1665% | 5,909 |
| Net loans and leases to total assets | 77.7633% | 779 |
| Net loans and leases to deposits | 94.0437% | 809 |
| Net loans and leases to core deposits | 101.7198% | 961 |
| Total domestic deposits to total assets | 82.6884% | 4,815 |
| Equity capital to assets | 13.0105% | 1,339 |
| Core capital (leverage) ratio | 12.3282% | 1,444 |
| Tier 1 risk-based capital ratio | 15.4318% | 3,518 |
| Total risk-based capital ratio | 16.6901% | 3,474 |
| Memoranda: | ||
| Average total assets | $665,008,670 | 1,004 |
| Average earning assets | $626,087,670 | 977 |
| Average equity | $84,862,330 | 842 |
| Average total loans | $473,957,670 | 893 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 6,072 |
| Cost of funding earning assets | 0.4356% | 4,747 |
| Net interest margin | 2.9012% | 5,812 |
| Noninterest income to average assets | 0.7652% | 2,274 |
| Noninterest expense to average assets | 2.9404% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3644% | 5,285 |
| Return on assets (ROA) | 0.3826% | 5,345 |
| Pretax return on assets | 0.5880% | 4,990 |
| Return on Equity (ROE) | 3.0272% | 5,582 |
| Retained earnings to average equity (ytd only) | 3.0272% | 4,470 |
| Net charge-offs to loans | 0.1178% | 2,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.0526% | 2,126 |
| Efficiency ratio | 84.0041% | 1,766 |
| Assets per employee ($millions) | 4.9041% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 1,568 |
| Loan loss allowance to noncurrent loans | 2,172.9670% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 6,359 |
| Noncurrent loans to loans | 0.1017% | 6,172 |
| Net loans and leases to total assets | 67.6119% | 2,089 |
| Net loans and leases to deposits | 81.8141% | 1,855 |
| Net loans and leases to core deposits | 89.0038% | 1,805 |
| Total domestic deposits to total assets | 82.6410% | 4,972 |
| Equity capital to assets | 13.1228% | 1,374 |
| Core capital (leverage) ratio | 12.3283% | 1,414 |
| Tier 1 risk-based capital ratio | 17.9977% | 2,362 |
| Total risk-based capital ratio | 19.2613% | 2,325 |
| Memoranda: | ||
| Average total assets | $670,122,500 | 1,005 |
| Average earning assets | $631,729,000 | 979 |
| Average equity | $84,698,500 | 853 |
| Average total loans | $451,427,000 | 947 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 5,772 |
| Cost of funding earning assets | 0.6280% | 4,113 |
| Net interest margin | 3.1922% | 5,587 |
| Noninterest income to average assets | 0.8905% | 1,894 |
| Noninterest expense to average assets | 3.2866% | 2,383 |
| Loan and lease loss provision to assets | 0.0225% | 5,611 |
| Net operating income to assets | 0.3808% | 5,179 |
| Return on assets (ROA) | 0.3808% | 5,405 |
| Pretax return on assets | 0.5800% | 5,052 |
| Return on Equity (ROE) | 2.5404% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.5404% | 4,436 |
| Net charge-offs to loans | 0.1193% | 4,495 |
| Credit loss provision to net charge-offs | 27.9018% | 5,157 |
| Earnings coverage of net charge-offs (x) | 7.4777% | 2,592 |
| Efficiency ratio | 84.5072% | 1,574 |
| Assets per employee ($millions) | 5.3300% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2008% | 1,547 |
| Loan loss allowance to noncurrent loans | 4,106.5574% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 6,513 |
| Noncurrent loans to loans | 0.0536% | 6,363 |
| Net loans and leases to total assets | 64.2610% | 2,859 |
| Net loans and leases to deposits | 76.6062% | 2,699 |
| Net loans and leases to core deposits | 88.3014% | 2,053 |
| Total domestic deposits to total assets | 83.8849% | 4,366 |
| Equity capital to assets | 12.1875% | 1,919 |
| Core capital (leverage) ratio | 12.2726% | 1,413 |
| Tier 1 risk-based capital ratio | 17.3839% | 2,492 |
| Total risk-based capital ratio | 18.6462% | 2,465 |
| Memoranda: | ||
| Average total assets | $555,989,200 | 1,204 |
| Average earning assets | $522,277,800 | 1,158 |
| Average equity | $83,332,800 | 843 |
| Average total loans | $375,379,800 | 1,113 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 5,481 |
| Cost of funding earning assets | 0.6787% | 3,946 |
| Net interest margin | 3.3342% | 5,267 |
| Noninterest income to average assets | 0.8990% | 1,828 |
| Noninterest expense to average assets | 3.2824% | 2,319 |
| Loan and lease loss provision to assets | 0.0767% | 4,682 |
| Net operating income to assets | 0.4408% | 5,075 |
| Return on assets (ROA) | 0.4408% | 5,314 |
| Pretax return on assets | 0.6647% | 4,971 |
| Return on Equity (ROE) | 2.7692% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.7692% | 4,891 |
| Net charge-offs to loans | 0.5117% | 2,074 |
| Credit loss provision to net charge-offs | 21.9941% | 4,926 |
| Earnings coverage of net charge-offs (x) | 2.1268% | 4,203 |
| Efficiency ratio | 81.5763% | 1,852 |
| Assets per employee ($millions) | 5.0041% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3586% | 1,420 |
| Loan loss allowance to noncurrent loans | 1,308.7447% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 6,418 |
| Noncurrent loans to loans | 0.1802% | 6,161 |
| Net loans and leases to total assets | 61.4103% | 3,495 |
| Net loans and leases to deposits | 75.4970% | 3,059 |
| Net loans and leases to core deposits | 82.0958% | 2,952 |
| Total domestic deposits to total assets | 81.3414% | 5,251 |
| Equity capital to assets | 13.4757% | 1,358 |
| Core capital (leverage) ratio | 13.4590% | 1,030 |
| Tier 1 risk-based capital ratio | 20.2646% | 1,692 |
| Total risk-based capital ratio | 21.5293% | 1,659 |
| Memoranda: | ||
| Average total assets | $521,760,250 | 1,295 |
| Average earning assets | $488,982,250 | 1,258 |
| Average equity | $83,054,000 | 847 |
| Average total loans | $355,402,750 | 1,177 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 5,009 |
| Cost of funding earning assets | 0.7241% | 3,813 |
| Net interest margin | 3.4603% | 4,840 |
| Noninterest income to average assets | 0.7463% | 2,436 |
| Noninterest expense to average assets | 3.3598% | 2,130 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4179% | 5,158 |
| Return on assets (ROA) | 0.4179% | 5,381 |
| Pretax return on assets | 0.6256% | 5,050 |
| Return on Equity (ROE) | 2.4637% | 5,891 |
| Retained earnings to average equity (ytd only) | 2.4637% | 4,954 |
| Net charge-offs to loans | 0.0607% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 14.6538% | 1,700 |
| Efficiency ratio | 84.3016% | 1,599 |
| Assets per employee ($millions) | 4.5853% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6774% | 1,066 |
| Loan loss allowance to noncurrent loans | 730.3138% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 6,108 |
| Noncurrent loans to loans | 0.3666% | 5,810 |
| Net loans and leases to total assets | 68.7859% | 2,142 |
| Net loans and leases to deposits | 87.8112% | 1,381 |
| Net loans and leases to core deposits | 93.8008% | 1,624 |
| Total domestic deposits to total assets | 78.3338% | 6,095 |
| Equity capital to assets | 15.4084% | 697 |
| Core capital (leverage) ratio | 14.5470% | 688 |
| Tier 1 risk-based capital ratio | 20.7258% | 1,529 |
| Total risk-based capital ratio | 21.9955% | 1,504 |
| Memoranda: | ||
| Average total assets | $487,177,330 | 1,386 |
| Average earning assets | $456,035,000 | 1,352 |
| Average equity | $82,641,330 | 843 |
| Average total loans | $342,735,000 | 1,238 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 4,943 |
| Cost of funding earning assets | 0.7416% | 3,932 |
| Net interest margin | 3.5044% | 4,673 |
| Noninterest income to average assets | 0.7474% | 2,411 |
| Noninterest expense to average assets | 3.5078% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3485% | 5,483 |
| Return on assets (ROA) | 0.3485% | 5,658 |
| Pretax return on assets | 0.5128% | 5,385 |
| Return on Equity (ROE) | 1.9495% | 6,089 |
| Retained earnings to average equity (ytd only) | 1.9495% | 5,285 |
| Net charge-offs to loans | -0.3035% | 7,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2460% | 1,362 |
| Assets per employee ($millions) | 4.5365% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1344% | 728 |
| Loan loss allowance to noncurrent loans | 2,047.9691% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 6,544 |
| Noncurrent loans to loans | 0.1530% | 6,375 |
| Net loans and leases to total assets | 66.1746% | 2,439 |
| Net loans and leases to deposits | 86.4592% | 1,366 |
| Net loans and leases to core deposits | 91.0008% | 1,752 |
| Total domestic deposits to total assets | 76.5386% | 6,488 |
| Equity capital to assets | 16.6959% | 472 |
| Core capital (leverage) ratio | 16.6201% | 401 |
| Tier 1 risk-based capital ratio | 23.3596% | 1,086 |
| Total risk-based capital ratio | 24.6356% | 1,062 |
| Memoranda: | ||
| Average total assets | $460,231,500 | 1,447 |
| Average earning assets | $429,860,000 | 1,427 |
| Average equity | $82,277,000 | 843 |
| Average total loans | $322,893,500 | 1,312 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 4,755 |
| Cost of funding earning assets | 0.9588% | 3,658 |
| Net interest margin | 3.6209% | 4,649 |
| Noninterest income to average assets | 0.5992% | 3,166 |
| Noninterest expense to average assets | 3.6125% | 1,719 |
| Loan and lease loss provision to assets | 0.1497% | 4,746 |
| Net operating income to assets | 0.1427% | 5,760 |
| Return on assets (ROA) | 0.1545% | 5,859 |
| Pretax return on assets | 0.2084% | 5,762 |
| Return on Equity (ROE) | 0.7687% | 6,009 |
| Retained earnings to average equity (ytd only) | 0.7687% | 5,492 |
| Net charge-offs to loans | 0.4349% | 3,262 |
| Credit loss provision to net charge-offs | 53.1444% | 5,343 |
| Earnings coverage of net charge-offs (x) | 1.2143% | 4,871 |
| Efficiency ratio | 91.3480% | 1,089 |
| Assets per employee ($millions) | 4.2177% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3583% | 593 |
| Loan loss allowance to noncurrent loans | 597.8613% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 5,412 |
| Noncurrent loans to loans | 0.5617% | 5,594 |
| Net loans and leases to total assets | 69.8703% | 2,057 |
| Net loans and leases to deposits | 91.3959% | 1,024 |
| Net loans and leases to core deposits | 95.7245% | 1,525 |
| Total domestic deposits to total assets | 76.4479% | 6,423 |
| Equity capital to assets | 19.2487% | 270 |
| Core capital (leverage) ratio | 17.7420% | 313 |
| Tier 1 risk-based capital ratio | 24.9863% | 870 |
| Total risk-based capital ratio | 26.2647% | 859 |
| Memoranda: | ||
| Average total assets | $400,688,200 | 1,620 |
| Average earning assets | $371,313,800 | 1,598 |
| Average equity | $80,523,000 | 828 |
| Average total loans | $259,628,800 | 1,622 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 4,770 |
| Cost of funding earning assets | 1.0166% | 3,557 |
| Net interest margin | 3.6077% | 4,738 |
| Noninterest income to average assets | 0.5677% | 3,390 |
| Noninterest expense to average assets | 3.7389% | 1,417 |
| Loan and lease loss provision to assets | 0.1014% | 5,178 |
| Net operating income to assets | 0.0662% | 6,032 |
| Return on assets (ROA) | 0.0872% | 6,108 |
| Pretax return on assets | 0.0903% | 6,117 |
| Return on Equity (ROE) | 0.4292% | 6,178 |
| Retained earnings to average equity (ytd only) | 0.4292% | 5,821 |
| Net charge-offs to loans | 0.6016% | 2,454 |
| Credit loss provision to net charge-offs | 26.8577% | 5,463 |
| Earnings coverage of net charge-offs (x) | 0.4503% | 5,289 |
| Efficiency ratio | 95.6495% | 839 |
| Assets per employee ($millions) | 4.1753% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5891% | 527 |
| Loan loss allowance to noncurrent loans | 247.2946% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 4,212 |
| Noncurrent loans to loans | 1.4514% | 4,122 |
| Net loans and leases to total assets | 64.0480% | 3,300 |
| Net loans and leases to deposits | 84.3626% | 1,939 |
| Net loans and leases to core deposits | 88.8039% | 2,390 |
| Total domestic deposits to total assets | 75.9199% | 6,543 |
| Equity capital to assets | 19.3088% | 294 |
| Core capital (leverage) ratio | 17.6363% | 356 |
| Tier 1 risk-based capital ratio | 26.1962% | 815 |
| Total risk-based capital ratio | 27.4767% | 791 |
| Memoranda: | ||
| Average total assets | $394,363,250 | 1,654 |
| Average earning assets | $365,248,000 | 1,627 |
| Average equity | $80,154,500 | 841 |
| Average total loans | $247,540,500 | 1,706 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 4,525 |
| Cost of funding earning assets | 1.0750% | 3,426 |
| Net interest margin | 3.6276% | 4,618 |
| Noninterest income to average assets | 0.4283% | 4,443 |
| Noninterest expense to average assets | 3.7077% | 1,515 |
| Loan and lease loss provision to assets | 0.1557% | 4,365 |
| Net operating income to assets | -0.0156% | 6,248 |
| Return on assets (ROA) | 0.0057% | 6,293 |
| Pretax return on assets | -0.0436% | 6,311 |
| Return on Equity (ROE) | 0.0276% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.0276% | 5,823 |
| Net charge-offs to loans | 0.3744% | 3,060 |
| Credit loss provision to net charge-offs | 67.7201% | 4,124 |
| Earnings coverage of net charge-offs (x) | 0.3431% | 5,056 |
| Efficiency ratio | 97.9161% | 792 |
| Assets per employee ($millions) | 4.0084% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0446% | 405 |
| Loan loss allowance to noncurrent loans | 230.3349% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 1.9709% | 3,273 |
| Noncurrent loans to loans | 1.7560% | 3,814 |
| Net loans and leases to total assets | 64.1422% | 3,432 |
| Net loans and leases to deposits | 86.5236% | 1,710 |
| Net loans and leases to core deposits | 91.1701% | 2,231 |
| Total domestic deposits to total assets | 74.1327% | 6,828 |
| Equity capital to assets | 20.2044% | 249 |
| Core capital (leverage) ratio | 18.4662% | 302 |
| Tier 1 risk-based capital ratio | 27.4902% | 695 |
| Total risk-based capital ratio | 28.7769% | 678 |
| Memoranda: | ||
| Average total assets | $385,247,670 | 1,702 |
| Average earning assets | $356,657,670 | 1,675 |
| Average equity | $79,730,330 | 843 |
| Average total loans | $236,670,000 | 1,804 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9918% | 3,140 |
| Cost of funding earning assets | 1.1414% | 3,220 |
| Net interest margin | 3.8503% | 3,373 |
| Noninterest income to average assets | 0.3890% | 4,793 |
| Noninterest expense to average assets | 3.8012% | 1,339 |
| Loan and lease loss provision to assets | 0.3162% | 2,647 |
| Net operating income to assets | -0.0685% | 6,421 |
| Return on assets (ROA) | -0.0253% | 6,406 |
| Pretax return on assets | -0.0980% | 6,446 |
| Return on Equity (ROE) | -0.1207% | 6,395 |
| Retained earnings to average equity (ytd only) | -0.1207% | 5,809 |
| Net charge-offs to loans | 0.3993% | 2,494 |
| Credit loss provision to net charge-offs | 135.1351% | 2,058 |
| Earnings coverage of net charge-offs (x) | 0.6441% | 4,144 |
| Efficiency ratio | 96.1856% | 910 |
| Assets per employee ($millions) | 4.1693% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7046% | 241 |
| Loan loss allowance to noncurrent loans | 156.4286% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 2.5158% | 2,719 |
| Noncurrent loans to loans | 3.0075% | 2,504 |
| Net loans and leases to total assets | 57.8240% | 4,671 |
| Net loans and leases to deposits | 79.0260% | 2,888 |
| Net loans and leases to core deposits | 82.6677% | 3,356 |
| Total domestic deposits to total assets | 73.1708% | 6,981 |
| Equity capital to assets | 20.7100% | 220 |
| Core capital (leverage) ratio | 18.7827% | 278 |
| Tier 1 risk-based capital ratio | 30.6638% | 489 |
| Total risk-based capital ratio | 31.9579% | 480 |
| Memoranda: | ||
| Average total assets | $379,457,000 | 1,733 |
| Average earning assets | $351,138,500 | 1,712 |
| Average equity | $79,507,000 | 839 |
| Average total loans | $222,373,000 | 1,914 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7218% | 1,493 |
| Cost of funding earning assets | 1.7212% | 1,505 |
| Net interest margin | 4.0006% | 3,019 |
| Noninterest income to average assets | -0.3012% | 7,509 |
| Noninterest expense to average assets | 3.7212% | 1,651 |
| Loan and lease loss provision to assets | 5.1764% | 69 |
| Net operating income to assets | -3.2433% | 7,338 |
| Return on assets (ROA) | -3.2249% | 7,354 |
| Pretax return on assets | -5.4526% | 7,557 |
| Return on Equity (ROE) | -28.1586% | 7,191 |
| Retained earnings to average equity (ytd only) | -28.1586% | 7,179 |
| Net charge-offs to loans | 5.2211% | 157 |
| Credit loss provision to net charge-offs | 141.1265% | 2,670 |
| Earnings coverage of net charge-offs (x) | -0.0831% | 6,205 |
| Efficiency ratio | 108.9228% | 559 |
| Assets per employee ($millions) | 4.3644% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1284% | 176 |
| Loan loss allowance to noncurrent loans | 104.9421% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 3.5792% | 1,921 |
| Noncurrent loans to loans | 4.8869% | 1,404 |
| Net loans and leases to total assets | 53.5851% | 5,691 |
| Net loans and leases to deposits | 73.8813% | 4,214 |
| Net loans and leases to core deposits | 79.4624% | 4,286 |
| Total domestic deposits to total assets | 72.5286% | 7,039 |
| Equity capital to assets | 21.2010% | 200 |
| Core capital (leverage) ratio | 20.3437% | 218 |
| Tier 1 risk-based capital ratio | 34.4934% | 357 |
| Total risk-based capital ratio | 35.7941% | 352 |
| Memoranda: | ||
| Average total assets | $356,253,600 | 1,836 |
| Average earning assets | $331,046,800 | 1,800 |
| Average equity | $40,801,000 | 1,624 |
| Average total loans | $250,273,800 | 1,758 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8453% | 1,266 |
| Cost of funding earning assets | 1.8694% | 1,140 |
| Net interest margin | 3.9759% | 3,206 |
| Noninterest income to average assets | 0.7481% | 2,519 |
| Noninterest expense to average assets | 2.8788% | 4,168 |
| Loan and lease loss provision to assets | 1.6808% | 760 |
| Net operating income to assets | 0.1065% | 5,758 |
| Return on assets (ROA) | 0.1312% | 5,850 |
| Pretax return on assets | -0.0721% | 6,188 |
| Return on Equity (ROE) | 1.4830% | 5,772 |
| Retained earnings to average equity (ytd only) | 1.4830% | 5,206 |
| Net charge-offs to loans | 1.5748% | 1,260 |
| Credit loss provision to net charge-offs | 144.3793% | 2,724 |
| Earnings coverage of net charge-offs (x) | 1.3486% | 4,729 |
| Efficiency ratio | 64.7084% | 5,110 |
| Assets per employee ($millions) | 5.4813% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9964% | 822 |
| Loan loss allowance to noncurrent loans | 97.0160% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 3.4614% | 2,055 |
| Noncurrent loans to loans | 3.0886% | 2,582 |
| Net loans and leases to total assets | 68.6705% | 3,060 |
| Net loans and leases to deposits | 82.6300% | 2,978 |
| Net loans and leases to core deposits | 88.6939% | 3,285 |
| Total domestic deposits to total assets | 83.1060% | 4,548 |
| Equity capital to assets | 9.8275% | 4,375 |
| Core capital (leverage) ratio | 9.1509% | 4,459 |
| Tier 1 risk-based capital ratio | 13.7558% | 4,018 |
| Total risk-based capital ratio | 15.0274% | 3,955 |
| Memoranda: | ||
| Average total assets | $351,483,000 | 1,889 |
| Average earning assets | $327,160,750 | 1,847 |
| Average equity | $31,107,500 | 2,123 |
| Average total loans | $259,843,250 | 1,728 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9381% | 1,086 |
| Cost of funding earning assets | 1.9070% | 1,217 |
| Net interest margin | 4.0312% | 2,874 |
| Noninterest income to average assets | 0.3076% | 5,695 |
| Noninterest expense to average assets | 2.8023% | 4,470 |
| Loan and lease loss provision to assets | 1.7016% | 737 |
| Net operating income to assets | -0.2435% | 6,406 |
| Return on assets (ROA) | -0.2073% | 6,411 |
| Pretax return on assets | -0.3752% | 6,495 |
| Return on Equity (ROE) | -2.4221% | 6,459 |
| Retained earnings to average equity (ytd only) | -2.4221% | 6,213 |
| Net charge-offs to loans | 1.6747% | 1,119 |
| Credit loss provision to net charge-offs | 135.7206% | 2,951 |
| Earnings coverage of net charge-offs (x) | 1.0128% | 4,776 |
| Efficiency ratio | 68.8172% | 4,425 |
| Assets per employee ($millions) | 5.5335% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3817% | 1,450 |
| Loan loss allowance to noncurrent loans | 71.1417% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.9785% | 2,395 |
| Noncurrent loans to loans | 3.3479% | 2,389 |
| Net loans and leases to total assets | 71.8582% | 2,439 |
| Net loans and leases to deposits | 85.5116% | 2,598 |
| Net loans and leases to core deposits | 92.5338% | 2,916 |
| Total domestic deposits to total assets | 84.0332% | 4,092 |
| Equity capital to assets | 8.5966% | 6,022 |
| Core capital (leverage) ratio | 8.6079% | 5,221 |
| Tier 1 risk-based capital ratio | 11.7005% | 5,583 |
| Total risk-based capital ratio | 12.9646% | 5,528 |
| Memoranda: | ||
| Average total assets | $360,844,670 | 1,853 |
| Average earning assets | $336,975,670 | 1,815 |
| Average equity | $30,882,670 | 2,136 |
| Average total loans | $270,144,670 | 1,687 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9604% | 1,054 |
| Cost of funding earning assets | 1.9528% | 1,240 |
| Net interest margin | 4.0076% | 2,845 |
| Noninterest income to average assets | 0.3874% | 5,018 |
| Noninterest expense to average assets | 2.6749% | 5,031 |
| Loan and lease loss provision to assets | 2.3628% | 451 |
| Net operating income to assets | -0.5368% | 6,853 |
| Return on assets (ROA) | -0.5368% | 6,887 |
| Pretax return on assets | -0.9097% | 7,008 |
| Return on Equity (ROE) | -6.2856% | 6,951 |
| Retained earnings to average equity (ytd only) | -6.2856% | 6,682 |
| Net charge-offs to loans | 1.8502% | 935 |
| Credit loss provision to net charge-offs | 169.1759% | 2,153 |
| Earnings coverage of net charge-offs (x) | 1.0404% | 4,144 |
| Efficiency ratio | 64.7989% | 5,342 |
| Assets per employee ($millions) | 5.0963% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3914% | 1,430 |
| Loan loss allowance to noncurrent loans | 72.8364% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 3.0184% | 2,376 |
| Noncurrent loans to loans | 3.2832% | 2,430 |
| Net loans and leases to total assets | 73.9498% | 1,982 |
| Net loans and leases to deposits | 88.3980% | 2,160 |
| Net loans and leases to core deposits | 95.6586% | 2,620 |
| Total domestic deposits to total assets | 83.6555% | 4,321 |
| Equity capital to assets | 8.7138% | 5,711 |
| Core capital (leverage) ratio | 8.5347% | 5,313 |
| Tier 1 risk-based capital ratio | 11.5577% | 5,619 |
| Total risk-based capital ratio | 12.8220% | 5,581 |
| Memoranda: | ||
| Average total assets | $361,428,000 | 1,895 |
| Average earning assets | $337,358,000 | 1,854 |
| Average equity | $30,864,000 | 2,153 |
| Average total loans | $272,835,000 | 1,719 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3414% | 952 |
| Cost of funding earning assets | 2.3643% | 1,410 |
| Net interest margin | 3.9771% | 2,954 |
| Noninterest income to average assets | 0.3563% | 5,554 |
| Noninterest expense to average assets | 3.1107% | 3,688 |
| Loan and lease loss provision to assets | 1.4176% | 1,617 |
| Net operating income to assets | -0.3436% | 6,019 |
| Return on assets (ROA) | -0.3877% | 6,053 |
| Pretax return on assets | -0.4960% | 6,008 |
| Return on Equity (ROE) | -4.9243% | 6,207 |
| Retained earnings to average equity (ytd only) | -4.9243% | 6,013 |
| Net charge-offs to loans | 1.3678% | 1,830 |
| Credit loss provision to net charge-offs | 134.1747% | 3,711 |
| Earnings coverage of net charge-offs (x) | 0.9258% | 5,190 |
| Efficiency ratio | 76.0777% | 3,513 |
| Assets per employee ($millions) | 5.2283% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 2,097 |
| Loan loss allowance to noncurrent loans | 61.9493% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.9156% | 2,402 |
| Noncurrent loans to loans | 3.1781% | 2,407 |
| Net loans and leases to total assets | 73.7479% | 2,326 |
| Net loans and leases to deposits | 87.5211% | 2,644 |
| Net loans and leases to core deposits | 112.6048% | 2,636 |
| Total domestic deposits to total assets | 84.2630% | 3,912 |
| Equity capital to assets | 8.3743% | 6,090 |
| Core capital (leverage) ratio | 8.4576% | 5,353 |
| Tier 1 risk-based capital ratio | 11.3617% | 5,551 |
| Total risk-based capital ratio | 12.6209% | 5,494 |
| Memoranda: | ||
| Average total assets | $374,995,400 | 1,820 |
| Average earning assets | $351,938,800 | 1,774 |
| Average equity | $29,527,200 | 2,264 |
| Average total loans | $289,657,200 | 1,659 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 4,352 |
| Cost of funding earning assets | 2.4519% | 1,438 |
| Net interest margin | 3.0614% | 6,431 |
| Noninterest income to average assets | 0.3962% | 5,319 |
| Noninterest expense to average assets | 3.1327% | 3,525 |
| Loan and lease loss provision to assets | 1.0211% | 1,881 |
| Net operating income to assets | -0.6409% | 6,560 |
| Return on assets (ROA) | -0.7703% | 6,669 |
| Pretax return on assets | -1.0597% | 6,726 |
| Return on Equity (ROE) | -9.9388% | 6,889 |
| Retained earnings to average equity (ytd only) | -9.9388% | 6,799 |
| Net charge-offs to loans | 1.3390% | 1,532 |
| Credit loss provision to net charge-offs | 98.0920% | 5,211 |
| Earnings coverage of net charge-offs (x) | 0.1332% | 5,897 |
| Efficiency ratio | 95.7611% | 1,288 |
| Assets per employee ($millions) | 5.0454% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 3,563 |
| Loan loss allowance to noncurrent loans | 33.3660% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 3.8019% | 1,705 |
| Noncurrent loans to loans | 4.4272% | 1,588 |
| Net loans and leases to total assets | 74.0287% | 2,510 |
| Net loans and leases to deposits | 90.5353% | 2,472 |
| Net loans and leases to core deposits | 121.8427% | 2,086 |
| Total domestic deposits to total assets | 81.7679% | 4,784 |
| Equity capital to assets | 8.3058% | 6,499 |
| Core capital (leverage) ratio | 8.1553% | 6,094 |
| Tier 1 risk-based capital ratio | 11.0402% | 5,907 |
| Total risk-based capital ratio | 12.2932% | 5,866 |
| Memoranda: | ||
| Average total assets | $375,942,250 | 1,828 |
| Average earning assets | $353,076,500 | 1,783 |
| Average equity | $29,137,500 | 2,313 |
| Average total loans | $292,257,500 | 1,663 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6119% | 4,015 |
| Cost of funding earning assets | 2.5454% | 1,464 |
| Net interest margin | 3.0665% | 6,346 |
| Noninterest income to average assets | 0.4000% | 5,282 |
| Noninterest expense to average assets | 3.4580% | 2,466 |
| Loan and lease loss provision to assets | 0.6970% | 2,339 |
| Net operating income to assets | -0.7218% | 6,772 |
| Return on assets (ROA) | -0.9385% | 6,931 |
| Pretax return on assets | -1.1398% | 6,899 |
| Return on Equity (ROE) | -12.3966% | 7,193 |
| Retained earnings to average equity (ytd only) | -12.3966% | 7,077 |
| Net charge-offs to loans | 0.9717% | 1,796 |
| Credit loss provision to net charge-offs | 91.2803% | 4,881 |
| Earnings coverage of net charge-offs (x) | -0.2339% | 5,911 |
| Efficiency ratio | 105.4463% | 983 |
| Assets per employee ($millions) | 5.3427% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 3,710 |
| Loan loss allowance to noncurrent loans | 61.8059% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 2.0435% | 3,138 |
| Noncurrent loans to loans | 2.2682% | 3,168 |
| Net loans and leases to total assets | 72.4585% | 3,100 |
| Net loans and leases to deposits | 85.3160% | 3,678 |
| Net loans and leases to core deposits | 119.7154% | 2,396 |
| Total domestic deposits to total assets | 84.9296% | 3,295 |
| Equity capital to assets | 7.6679% | 7,116 |
| Core capital (leverage) ratio | 7.8565% | 6,544 |
| Tier 1 risk-based capital ratio | 10.9349% | 5,950 |
| Total risk-based capital ratio | 12.1858% | 5,887 |
| Memoranda: | ||
| Average total assets | $378,486,000 | 1,835 |
| Average earning assets | $355,388,330 | 1,792 |
| Average equity | $28,653,000 | 2,361 |
| Average total loans | $297,428,670 | 1,668 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8254% | 3,169 |
| Cost of funding earning assets | 2.6425% | 1,439 |
| Net interest margin | 3.1829% | 5,914 |
| Noninterest income to average assets | 0.3670% | 5,494 |
| Noninterest expense to average assets | 2.7420% | 4,820 |
| Loan and lease loss provision to assets | 0.7663% | 1,679 |
| Net operating income to assets | -0.0740% | 6,369 |
| Return on assets (ROA) | -0.0740% | 6,486 |
| Pretax return on assets | -0.1642% | 6,534 |
| Return on Equity (ROE) | -0.9848% | 6,535 |
| Retained earnings to average equity (ytd only) | -0.9848% | 5,883 |
| Net charge-offs to loans | 1.1135% | 1,225 |
| Credit loss provision to net charge-offs | 84.6975% | 4,113 |
| Earnings coverage of net charge-offs (x) | 0.6655% | 4,471 |
| Efficiency ratio | 81.9961% | 2,534 |
| Assets per employee ($millions) | 4.9566% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 3,757 |
| Loan loss allowance to noncurrent loans | 67.5698% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.9919% | 2,918 |
| Noncurrent loans to loans | 2.0074% | 3,253 |
| Net loans and leases to total assets | 75.5246% | 2,387 |
| Net loans and leases to deposits | 88.5459% | 3,189 |
| Net loans and leases to core deposits | 133.0017% | 1,476 |
| Total domestic deposits to total assets | 85.2943% | 3,065 |
| Equity capital to assets | 7.2424% | 7,531 |
| Core capital (leverage) ratio | 7.8551% | 6,681 |
| Tier 1 risk-based capital ratio | 9.8527% | 7,083 |
| Total risk-based capital ratio | 11.1044% | 6,981 |
| Memoranda: | ||
| Average total assets | $372,721,500 | 1,872 |
| Average earning assets | $348,613,000 | 1,838 |
| Average equity | $28,026,500 | 2,417 |
| Average total loans | $302,834,500 | 1,652 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7571% | 1,840 |
| Cost of funding earning assets | 3.2926% | 947 |
| Net interest margin | 3.4645% | 5,420 |
| Noninterest income to average assets | 0.3521% | 5,912 |
| Noninterest expense to average assets | 3.0068% | 4,060 |
| Loan and lease loss provision to assets | 0.6277% | 2,316 |
| Net operating income to assets | -0.0446% | 6,435 |
| Return on assets (ROA) | 0.0061% | 6,215 |
| Pretax return on assets | -0.0394% | 6,197 |
| Return on Equity (ROE) | 0.0789% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.0789% | 5,189 |
| Net charge-offs to loans | 0.2265% | 3,974 |
| Credit loss provision to net charge-offs | 333.1633% | 1,363 |
| Earnings coverage of net charge-offs (x) | 2.7024% | 4,726 |
| Efficiency ratio | 85.5190% | 1,904 |
| Assets per employee ($millions) | 4.4854% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 3,541 |
| Loan loss allowance to noncurrent loans | 92.1298% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.6058% | 3,038 |
| Noncurrent loans to loans | 1.4525% | 3,623 |
| Net loans and leases to total assets | 85.1439% | 718 |
| Net loans and leases to deposits | 106.1364% | 1,112 |
| Net loans and leases to core deposits | 151.3437% | 805 |
| Total domestic deposits to total assets | 80.2213% | 4,937 |
| Equity capital to assets | 7.8179% | 7,073 |
| Core capital (leverage) ratio | 8.1770% | 6,210 |
| Tier 1 risk-based capital ratio | 9.3202% | 7,501 |
| Total risk-based capital ratio | 10.5712% | 7,420 |
| Memoranda: | ||
| Average total assets | $312,097,600 | 2,140 |
| Average earning assets | $285,005,600 | 2,138 |
| Average equity | $24,069,000 | 2,724 |
| Average total loans | $259,580,000 | 1,838 |