Home > Belmont Savings Bank > Performance and Condition Ratios
Belmont Savings Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7023% | 4,847 |
| Cost of funding earning assets | 1.6468% | 195 |
| Net interest margin | 2.0555% | 5,304 |
| Noninterest income to average assets | 0.1720% | 4,707 |
| Noninterest expense to average assets | 4.2644% | 372 |
| Loan and lease loss provision to assets | 0.0590% | 2,473 |
| Net operating income to assets | -1.7256% | 5,314 |
| Return on assets (ROA) | -1.7256% | 5,311 |
| Pretax return on assets | -2.1721% | 5,316 |
| Return on Equity (ROE) | -26.1525% | 5,339 |
| Retained earnings to average equity (ytd only) | -26.1525% | 5,293 |
| Net charge-offs to loans | 0.0021% | 2,688 |
| Credit loss provision to net charge-offs | 3,200.0000% | 128 |
| Earnings coverage of net charge-offs (x) | -1,146.6429% | 2,739 |
| Efficiency ratio | 198.2255% | 21 |
| Assets per employee ($millions) | 23.0837% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 4,809 |
| Loan loss allowance to noncurrent loans | 1,610.2542% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 4,650 |
| Noncurrent loans to loans | 0.0422% | 4,574 |
| Net loans and leases to total assets | 88.1975% | 92 |
| Net loans and leases to deposits | 126.4473% | 53 |
| Net loans and leases to core deposits | 166.5671% | 73 |
| Total domestic deposits to total assets | 69.7504% | 5,121 |
| Equity capital to assets | 6.7175% | 5,323 |
| Core capital (leverage) ratio | 6.9553% | 5,321 |
| Tier 1 risk-based capital ratio | 10.7493% | 5,091 |
| Total risk-based capital ratio | 11.7051% | 5,102 |
| Memoranda: | ||
| Average total assets | $3,038,709,500 | 318 |
| Average earning assets | $2,925,949,000 | 308 |
| Average equity | $200,501,000 | 472 |
| Average total loans | $2,675,503,000 | 277 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 4,844 |
| Cost of funding earning assets | 1.3524% | 173 |
| Net interest margin | 2.2097% | 5,301 |
| Noninterest income to average assets | 0.1717% | 4,868 |
| Noninterest expense to average assets | 1.1438% | 5,327 |
| Loan and lease loss provision to assets | 0.0578% | 3,004 |
| Net operating income to assets | 0.8001% | 3,808 |
| Return on assets (ROA) | 0.8001% | 3,810 |
| Pretax return on assets | 1.0982% | 3,274 |
| Return on Equity (ROE) | 12.3800% | 1,588 |
| Retained earnings to average equity (ytd only) | 12.3800% | 291 |
| Net charge-offs to loans | 0.0012% | 3,730 |
| Credit loss provision to net charge-offs | 5,523.3333% | 85 |
| Earnings coverage of net charge-offs (x) | 1,104.8000% | 96 |
| Efficiency ratio | 49.7346% | 4,959 |
| Assets per employee ($millions) | 22.6147% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6782% | 4,847 |
| Loan loss allowance to noncurrent loans | 1,533.2479% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 4,652 |
| Noncurrent loans to loans | 0.0442% | 4,551 |
| Net loans and leases to total assets | 86.6981% | 192 |
| Net loans and leases to deposits | 133.2913% | 37 |
| Net loans and leases to core deposits | 178.2544% | 55 |
| Total domestic deposits to total assets | 65.0441% | 5,259 |
| Equity capital to assets | 6.4783% | 5,364 |
| Core capital (leverage) ratio | 6.7782% | 5,363 |
| Tier 1 risk-based capital ratio | 10.5031% | 5,177 |
| Total risk-based capital ratio | 11.4579% | 5,190 |
| Memoranda: | ||
| Average total assets | $2,867,231,800 | 332 |
| Average earning assets | $2,761,230,000 | 318 |
| Average equity | $185,314,400 | 478 |
| Average total loans | $2,501,720,800 | 282 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 4,908 |
| Cost of funding earning assets | 1.2946% | 164 |
| Net interest margin | 2.2309% | 5,373 |
| Noninterest income to average assets | 0.1751% | 4,908 |
| Noninterest expense to average assets | 1.0908% | 5,412 |
| Loan and lease loss provision to assets | 0.0562% | 2,848 |
| Net operating income to assets | 0.8653% | 3,679 |
| Return on assets (ROA) | 0.8653% | 3,684 |
| Pretax return on assets | 1.1768% | 3,084 |
| Return on Equity (ROE) | 13.3963% | 1,300 |
| Retained earnings to average equity (ytd only) | 13.3963% | 315 |
| Net charge-offs to loans | 0.0012% | 3,455 |
| Credit loss provision to net charge-offs | 5,182.6087% | 77 |
| Earnings coverage of net charge-offs (x) | 1,136.3264% | 69 |
| Efficiency ratio | 46.9399% | 5,107 |
| Assets per employee ($millions) | 21.8533% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 4,927 |
| Loan loss allowance to noncurrent loans | 1,464.0704% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 4,780 |
| Noncurrent loans to loans | 0.0460% | 4,691 |
| Net loans and leases to total assets | 86.6849% | 211 |
| Net loans and leases to deposits | 131.4441% | 42 |
| Net loans and leases to core deposits | 171.1384% | 67 |
| Total domestic deposits to total assets | 65.9481% | 5,321 |
| Equity capital to assets | 6.4735% | 5,427 |
| Core capital (leverage) ratio | 6.5697% | 5,442 |
| Tier 1 risk-based capital ratio | 10.4368% | 5,259 |
| Total risk-based capital ratio | 11.3856% | 5,283 |
| Memoranda: | ||
| Average total assets | $2,826,447,000 | 333 |
| Average earning assets | $2,722,405,500 | 319 |
| Average equity | $182,563,750 | 481 |
| Average total loans | $2,465,847,750 | 285 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 4,966 |
| Cost of funding earning assets | 1.2073% | 181 |
| Net interest margin | 2.2552% | 5,433 |
| Noninterest income to average assets | 0.1865% | 4,892 |
| Noninterest expense to average assets | 1.1051% | 5,476 |
| Loan and lease loss provision to assets | 0.0721% | 2,445 |
| Net operating income to assets | 0.8719% | 3,576 |
| Return on assets (ROA) | 0.8719% | 3,581 |
| Pretax return on assets | 1.1817% | 3,003 |
| Return on Equity (ROE) | 13.5102% | 1,207 |
| Retained earnings to average equity (ytd only) | 13.5102% | 318 |
| Net charge-offs to loans | 0.0014% | 3,160 |
| Credit loss provision to net charge-offs | 5,888.2353% | 74 |
| Earnings coverage of net charge-offs (x) | 1,024.3529% | 77 |
| Efficiency ratio | 46.8486% | 5,171 |
| Assets per employee ($millions) | 21.0813% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 4,988 |
| Loan loss allowance to noncurrent loans | 2,281.7942% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 4,900 |
| Noncurrent loans to loans | 0.0296% | 4,788 |
| Net loans and leases to total assets | 87.4264% | 178 |
| Net loans and leases to deposits | 137.8618% | 20 |
| Net loans and leases to core deposits | 177.7748% | 49 |
| Total domestic deposits to total assets | 63.4160% | 5,419 |
| Equity capital to assets | 6.3835% | 5,494 |
| Core capital (leverage) ratio | 6.6289% | 5,499 |
| Tier 1 risk-based capital ratio | 10.2035% | 5,371 |
| Total risk-based capital ratio | 11.1550% | 5,396 |
| Memoranda: | ||
| Average total assets | $2,777,912,670 | 336 |
| Average earning assets | $2,675,823,670 | 321 |
| Average equity | $179,286,330 | 486 |
| Average total loans | $2,423,197,000 | 287 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4315% | 4,975 |
| Cost of funding earning assets | 1.1209% | 205 |
| Net interest margin | 2.3106% | 5,467 |
| Noninterest income to average assets | 0.1321% | 5,203 |
| Noninterest expense to average assets | 1.1236% | 5,538 |
| Loan and lease loss provision to assets | 0.0404% | 2,947 |
| Net operating income to assets | 0.8896% | 3,338 |
| Return on assets (ROA) | 0.8896% | 3,349 |
| Pretax return on assets | 1.1953% | 2,769 |
| Return on Equity (ROE) | 13.7033% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.7033% | 433 |
| Net charge-offs to loans | 0.0003% | 2,719 |
| Credit loss provision to net charge-offs | 13,700.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 4,189.5000% | 11 |
| Efficiency ratio | 47.6247% | 5,207 |
| Assets per employee ($millions) | 20.9764% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 5,045 |
| Loan loss allowance to noncurrent loans | 1,227.5352% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,853 |
| Noncurrent loans to loans | 0.0564% | 4,723 |
| Net loans and leases to total assets | 86.5755% | 218 |
| Net loans and leases to deposits | 126.3202% | 59 |
| Net loans and leases to core deposits | 161.1865% | 83 |
| Total domestic deposits to total assets | 68.5366% | 5,403 |
| Equity capital to assets | 6.5175% | 5,540 |
| Core capital (leverage) ratio | 6.6471% | 5,551 |
| Tier 1 risk-based capital ratio | 10.2870% | 5,418 |
| Total risk-based capital ratio | 11.2412% | 5,446 |
| Memoranda: | ||
| Average total assets | $2,712,262,000 | 344 |
| Average earning assets | $2,614,358,000 | 324 |
| Average equity | $176,074,500 | 495 |
| Average total loans | $2,354,436,500 | 293 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3513% | 5,010 |
| Cost of funding earning assets | 0.9198% | 339 |
| Net interest margin | 2.4316% | 5,445 |
| Noninterest income to average assets | 0.1436% | 5,227 |
| Noninterest expense to average assets | 1.2689% | 5,566 |
| Loan and lease loss provision to assets | 0.1151% | 1,971 |
| Net operating income to assets | 0.6006% | 4,009 |
| Return on assets (ROA) | 0.6017% | 4,041 |
| Pretax return on assets | 1.0984% | 3,191 |
| Return on Equity (ROE) | 8.7462% | 2,433 |
| Retained earnings to average equity (ytd only) | 8.7462% | 550 |
| Net charge-offs to loans | 0.0017% | 4,059 |
| Credit loss provision to net charge-offs | 7,891.4286% | 43 |
| Earnings coverage of net charge-offs (x) | 830.5714% | 103 |
| Efficiency ratio | 51.1494% | 5,156 |
| Assets per employee ($millions) | 21.4129% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7051% | 5,062 |
| Loan loss allowance to noncurrent loans | 1,186.3273% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 4,875 |
| Noncurrent loans to loans | 0.0594% | 4,730 |
| Net loans and leases to total assets | 85.8159% | 269 |
| Net loans and leases to deposits | 130.5728% | 45 |
| Net loans and leases to core deposits | 165.8770% | 72 |
| Total domestic deposits to total assets | 65.7227% | 5,524 |
| Equity capital to assets | 6.4654% | 5,617 |
| Core capital (leverage) ratio | 6.7731% | 5,614 |
| Tier 1 risk-based capital ratio | 10.0635% | 5,520 |
| Total risk-based capital ratio | 11.0147% | 5,541 |
| Memoranda: | ||
| Average total assets | $2,398,681,600 | 355 |
| Average earning assets | $2,305,616,400 | 345 |
| Average equity | $165,009,400 | 504 |
| Average total loans | $2,092,389,400 | 306 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 5,046 |
| Cost of funding earning assets | 0.8794% | 394 |
| Net interest margin | 2.4646% | 5,495 |
| Noninterest income to average assets | 0.1384% | 5,316 |
| Noninterest expense to average assets | 1.3075% | 5,613 |
| Loan and lease loss provision to assets | 0.1185% | 1,828 |
| Net operating income to assets | 0.7054% | 3,952 |
| Return on assets (ROA) | 0.7054% | 4,018 |
| Pretax return on assets | 1.0793% | 3,387 |
| Return on Equity (ROE) | 10.0800% | 2,093 |
| Retained earnings to average equity (ytd only) | 10.0800% | 567 |
| Net charge-offs to loans | 0.0023% | 3,681 |
| Credit loss provision to net charge-offs | 5,914.2857% | 80 |
| Earnings coverage of net charge-offs (x) | 597.7709% | 170 |
| Efficiency ratio | 52.1912% | 5,082 |
| Assets per employee ($millions) | 21.0082% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 5,107 |
| Loan loss allowance to noncurrent loans | 960.6396% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 4,909 |
| Noncurrent loans to loans | 0.0743% | 4,779 |
| Net loans and leases to total assets | 86.9103% | 207 |
| Net loans and leases to deposits | 126.1483% | 57 |
| Net loans and leases to core deposits | 156.7627% | 94 |
| Total domestic deposits to total assets | 68.8954% | 5,509 |
| Equity capital to assets | 6.8250% | 5,673 |
| Core capital (leverage) ratio | 7.0791% | 5,667 |
| Tier 1 risk-based capital ratio | 10.2873% | 5,515 |
| Total risk-based capital ratio | 11.2323% | 5,567 |
| Memoranda: | ||
| Average total assets | $2,329,199,250 | 365 |
| Average earning assets | $2,236,864,250 | 349 |
| Average equity | $162,998,500 | 514 |
| Average total loans | $2,037,169,250 | 310 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 5,060 |
| Cost of funding earning assets | 0.8380% | 425 |
| Net interest margin | 2.4923% | 5,509 |
| Noninterest income to average assets | 0.1381% | 5,363 |
| Noninterest expense to average assets | 1.3168% | 5,662 |
| Loan and lease loss provision to assets | 0.1352% | 1,536 |
| Net operating income to assets | 0.6793% | 3,938 |
| Return on assets (ROA) | 0.6793% | 4,006 |
| Pretax return on assets | 1.0777% | 3,273 |
| Return on Equity (ROE) | 9.6200% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.6200% | 668 |
| Net charge-offs to loans | 0.0032% | 3,379 |
| Credit loss provision to net charge-offs | 4,800.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 430.6250% | 195 |
| Efficiency ratio | 52.0546% | 5,171 |
| Assets per employee ($millions) | 19.1196% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7245% | 5,148 |
| Loan loss allowance to noncurrent loans | 911.1715% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,919 |
| Noncurrent loans to loans | 0.0795% | 4,817 |
| Net loans and leases to total assets | 87.2091% | 187 |
| Net loans and leases to deposits | 127.6818% | 50 |
| Net loans and leases to core deposits | 157.7522% | 95 |
| Total domestic deposits to total assets | 68.3020% | 5,586 |
| Equity capital to assets | 6.9657% | 5,710 |
| Core capital (leverage) ratio | 7.1136% | 5,704 |
| Tier 1 risk-based capital ratio | 10.2792% | 5,548 |
| Total risk-based capital ratio | 11.2218% | 5,593 |
| Memoranda: | ||
| Average total assets | $2,272,272,330 | 373 |
| Average earning assets | $2,180,508,670 | 354 |
| Average equity | $160,457,000 | 521 |
| Average total loans | $1,986,772,000 | 320 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2864% | 5,128 |
| Cost of funding earning assets | 0.8030% | 476 |
| Net interest margin | 2.4833% | 5,561 |
| Noninterest income to average assets | 0.1069% | 5,565 |
| Noninterest expense to average assets | 1.3290% | 5,728 |
| Loan and lease loss provision to assets | 0.1492% | 1,248 |
| Net operating income to assets | 0.6634% | 3,863 |
| Return on assets (ROA) | 0.6634% | 3,904 |
| Pretax return on assets | 1.0114% | 3,315 |
| Return on Equity (ROE) | 9.3275% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.3275% | 973 |
| Net charge-offs to loans | 0.0066% | 2,741 |
| Credit loss provision to net charge-offs | 2,590.6250% | 131 |
| Earnings coverage of net charge-offs (x) | 201.5625% | 278 |
| Efficiency ratio | 53.3825% | 5,178 |
| Assets per employee ($millions) | 18.9032% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 5,264 |
| Loan loss allowance to noncurrent loans | 628.8588% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,868 |
| Noncurrent loans to loans | 0.1145% | 4,736 |
| Net loans and leases to total assets | 86.7247% | 172 |
| Net loans and leases to deposits | 125.7182% | 51 |
| Net loans and leases to core deposits | 150.9343% | 102 |
| Total domestic deposits to total assets | 68.9834% | 5,659 |
| Equity capital to assets | 7.0070% | 5,755 |
| Core capital (leverage) ratio | 7.2064% | 5,747 |
| Tier 1 risk-based capital ratio | 10.3147% | 5,617 |
| Total risk-based capital ratio | 11.2447% | 5,668 |
| Memoranda: | ||
| Average total assets | $2,222,991,500 | 379 |
| Average earning assets | $2,132,937,500 | 362 |
| Average equity | $158,112,500 | 526 |
| Average total loans | $1,938,821,500 | 325 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2349% | 5,251 |
| Cost of funding earning assets | 0.7533% | 625 |
| Net interest margin | 2.4817% | 5,596 |
| Noninterest income to average assets | 0.1325% | 5,525 |
| Noninterest expense to average assets | 1.4150% | 5,766 |
| Loan and lease loss provision to assets | 0.1200% | 2,063 |
| Net operating income to assets | 0.6048% | 4,186 |
| Return on assets (ROA) | 0.6048% | 4,298 |
| Pretax return on assets | 0.9798% | 3,540 |
| Return on Equity (ROE) | 8.1052% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.1052% | 820 |
| Net charge-offs to loans | 0.0023% | 4,191 |
| Credit loss provision to net charge-offs | 5,962.5000% | 80 |
| Earnings coverage of net charge-offs (x) | 546.6250% | 153 |
| Efficiency ratio | 56.2674% | 5,040 |
| Assets per employee ($millions) | 17.6942% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 5,318 |
| Loan loss allowance to noncurrent loans | 747.2497% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 5,002 |
| Noncurrent loans to loans | 0.0967% | 4,853 |
| Net loans and leases to total assets | 86.4426% | 215 |
| Net loans and leases to deposits | 126.4353% | 50 |
| Net loans and leases to core deposits | 149.8584% | 115 |
| Total domestic deposits to total assets | 68.3690% | 5,704 |
| Equity capital to assets | 7.2245% | 5,771 |
| Core capital (leverage) ratio | 7.3993% | 5,767 |
| Tier 1 risk-based capital ratio | 10.4673% | 5,585 |
| Total risk-based capital ratio | 11.3840% | 5,653 |
| Memoranda: | ||
| Average total assets | $1,988,133,200 | 396 |
| Average earning assets | $1,908,511,400 | 378 |
| Average equity | $148,362,000 | 535 |
| Average total loans | $1,715,067,200 | 338 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2416% | 5,297 |
| Cost of funding earning assets | 0.7440% | 656 |
| Net interest margin | 2.4976% | 5,658 |
| Noninterest income to average assets | 0.1351% | 5,576 |
| Noninterest expense to average assets | 1.4491% | 5,795 |
| Loan and lease loss provision to assets | 0.1222% | 1,909 |
| Net operating income to assets | 0.5964% | 4,309 |
| Return on assets (ROA) | 0.5964% | 4,418 |
| Pretax return on assets | 0.9614% | 3,771 |
| Return on Equity (ROE) | 7.9226% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.9226% | 1,205 |
| Net charge-offs to loans | 0.0043% | 3,770 |
| Credit loss provision to net charge-offs | 3,301.8519% | 159 |
| Earnings coverage of net charge-offs (x) | 292.8075% | 280 |
| Efficiency ratio | 57.2140% | 4,929 |
| Assets per employee ($millions) | 18.0329% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 5,387 |
| Loan loss allowance to noncurrent loans | 738.1332% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 5,104 |
| Noncurrent loans to loans | 0.0976% | 4,952 |
| Net loans and leases to total assets | 86.1837% | 242 |
| Net loans and leases to deposits | 124.7166% | 73 |
| Net loans and leases to core deposits | 147.4050% | 141 |
| Total domestic deposits to total assets | 69.1036% | 5,734 |
| Equity capital to assets | 7.3233% | 5,860 |
| Core capital (leverage) ratio | 7.5617% | 5,822 |
| Tier 1 risk-based capital ratio | 10.5876% | 5,576 |
| Total risk-based capital ratio | 11.4980% | 5,657 |
| Memoranda: | ||
| Average total assets | $1,945,492,250 | 401 |
| Average earning assets | $1,867,576,750 | 388 |
| Average equity | $146,464,000 | 542 |
| Average total loans | $1,673,929,250 | 344 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2457% | 5,373 |
| Cost of funding earning assets | 0.7319% | 687 |
| Net interest margin | 2.5139% | 5,733 |
| Noninterest income to average assets | 0.1386% | 5,618 |
| Noninterest expense to average assets | 1.4841% | 5,848 |
| Loan and lease loss provision to assets | 0.1409% | 1,616 |
| Net operating income to assets | 0.5802% | 4,354 |
| Return on assets (ROA) | 0.5802% | 4,478 |
| Pretax return on assets | 0.9277% | 3,847 |
| Return on Equity (ROE) | 7.6316% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.6316% | 1,323 |
| Net charge-offs to loans | 0.0045% | 3,548 |
| Credit loss provision to net charge-offs | 3,621.6216% | 118 |
| Earnings coverage of net charge-offs (x) | 274.7568% | 249 |
| Efficiency ratio | 58.1388% | 4,884 |
| Assets per employee ($millions) | 17.2098% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 5,438 |
| Loan loss allowance to noncurrent loans | 1,094.5026% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 5,326 |
| Noncurrent loans to loans | 0.0673% | 5,183 |
| Net loans and leases to total assets | 85.3556% | 303 |
| Net loans and leases to deposits | 121.4398% | 94 |
| Net loans and leases to core deposits | 142.5481% | 165 |
| Total domestic deposits to total assets | 70.2863% | 5,771 |
| Equity capital to assets | 7.4830% | 5,915 |
| Core capital (leverage) ratio | 7.7011% | 5,841 |
| Tier 1 risk-based capital ratio | 10.6224% | 5,617 |
| Total risk-based capital ratio | 11.5292% | 5,685 |
| Memoranda: | ||
| Average total assets | $1,902,728,330 | 409 |
| Average earning assets | $1,827,139,330 | 392 |
| Average equity | $144,662,000 | 552 |
| Average total loans | $1,631,828,330 | 349 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2393% | 5,429 |
| Cost of funding earning assets | 0.7124% | 759 |
| Net interest margin | 2.5270% | 5,782 |
| Noninterest income to average assets | 0.1379% | 5,658 |
| Noninterest expense to average assets | 1.5541% | 5,866 |
| Loan and lease loss provision to assets | 0.1285% | 1,655 |
| Net operating income to assets | 0.5498% | 4,426 |
| Return on assets (ROA) | 0.5498% | 4,526 |
| Pretax return on assets | 0.8860% | 3,902 |
| Return on Equity (ROE) | 7.1721% | 3,361 |
| Retained earnings to average equity (ytd only) | 7.1721% | 1,807 |
| Net charge-offs to loans | 0.0020% | 3,053 |
| Credit loss provision to net charge-offs | 7,487.5000% | 47 |
| Earnings coverage of net charge-offs (x) | 591.1250% | 89 |
| Efficiency ratio | 60.5028% | 4,679 |
| Assets per employee ($millions) | 16.1020% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 5,564 |
| Loan loss allowance to noncurrent loans | 1,023.4429% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 5,364 |
| Noncurrent loans to loans | 0.0702% | 5,196 |
| Net loans and leases to total assets | 85.2952% | 275 |
| Net loans and leases to deposits | 120.0030% | 100 |
| Net loans and leases to core deposits | 139.4249% | 174 |
| Total domestic deposits to total assets | 71.0775% | 5,818 |
| Equity capital to assets | 7.5420% | 5,941 |
| Core capital (leverage) ratio | 7.9031% | 5,810 |
| Tier 1 risk-based capital ratio | 10.8138% | 5,591 |
| Total risk-based capital ratio | 11.7043% | 5,687 |
| Memoranda: | ||
| Average total assets | $1,864,529,000 | 411 |
| Average earning assets | $1,793,457,500 | 398 |
| Average equity | $142,943,500 | 552 |
| Average total loans | $1,596,823,500 | 351 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1946% | 5,522 |
| Cost of funding earning assets | 0.6779% | 927 |
| Net interest margin | 2.5167% | 5,821 |
| Noninterest income to average assets | 0.1888% | 5,464 |
| Noninterest expense to average assets | 1.7426% | 5,808 |
| Loan and lease loss provision to assets | 0.1457% | 1,623 |
| Net operating income to assets | 0.4387% | 4,921 |
| Return on assets (ROA) | 0.4387% | 5,005 |
| Pretax return on assets | 0.7131% | 4,493 |
| Return on Equity (ROE) | 5.1645% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.1645% | 2,304 |
| Net charge-offs to loans | -0.0031% | 4,917 |
| Credit loss provision to net charge-offs | -5,516.6667% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9858% | 3,749 |
| Assets per employee ($millions) | 14.0537% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 5,591 |
| Loan loss allowance to noncurrent loans | 309.5566% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 4,787 |
| Noncurrent loans to loans | 0.2346% | 4,585 |
| Net loans and leases to total assets | 84.7363% | 330 |
| Net loans and leases to deposits | 120.3699% | 102 |
| Net loans and leases to core deposits | 137.4036% | 196 |
| Total domestic deposits to total assets | 70.3966% | 5,875 |
| Equity capital to assets | 7.7980% | 5,922 |
| Core capital (leverage) ratio | 8.0982% | 5,778 |
| Tier 1 risk-based capital ratio | 10.9696% | 5,534 |
| Total risk-based capital ratio | 11.8473% | 5,650 |
| Memoranda: | ||
| Average total assets | $1,590,059,200 | 446 |
| Average earning assets | $1,524,291,000 | 430 |
| Average equity | $135,075,600 | 561 |
| Average total loans | $1,343,170,800 | 378 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1843% | 5,610 |
| Cost of funding earning assets | 0.6750% | 955 |
| Net interest margin | 2.5093% | 5,905 |
| Noninterest income to average assets | 0.1995% | 5,445 |
| Noninterest expense to average assets | 1.7835% | 5,796 |
| Loan and lease loss provision to assets | 0.1243% | 1,827 |
| Net operating income to assets | 0.4261% | 5,067 |
| Return on assets (ROA) | 0.4261% | 5,148 |
| Pretax return on assets | 0.6947% | 4,697 |
| Return on Equity (ROE) | 4.8977% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.8977% | 2,988 |
| Net charge-offs to loans | -0.0082% | 4,927 |
| Credit loss provision to net charge-offs | -1,810.1266% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5298% | 3,443 |
| Assets per employee ($millions) | 13.2218% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 5,682 |
| Loan loss allowance to noncurrent loans | 831.2000% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 5,106 |
| Noncurrent loans to loans | 0.0869% | 5,284 |
| Net loans and leases to total assets | 84.3574% | 362 |
| Net loans and leases to deposits | 117.5008% | 128 |
| Net loans and leases to core deposits | 135.1260% | 216 |
| Total domestic deposits to total assets | 71.7931% | 5,875 |
| Equity capital to assets | 8.1970% | 5,874 |
| Core capital (leverage) ratio | 8.6366% | 5,424 |
| Tier 1 risk-based capital ratio | 10.5735% | 5,849 |
| Total risk-based capital ratio | 11.3695% | 5,952 |
| Memoranda: | ||
| Average total assets | $1,534,343,750 | 468 |
| Average earning assets | $1,469,297,250 | 445 |
| Average equity | $133,501,500 | 572 |
| Average total loans | $1,292,102,750 | 394 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1941% | 5,632 |
| Cost of funding earning assets | 0.6821% | 925 |
| Net interest margin | 2.5120% | 5,951 |
| Noninterest income to average assets | 0.2226% | 5,369 |
| Noninterest expense to average assets | 1.8644% | 5,761 |
| Loan and lease loss provision to assets | 0.0950% | 2,227 |
| Net operating income to assets | 0.4091% | 5,111 |
| Return on assets (ROA) | 0.4091% | 5,215 |
| Pretax return on assets | 0.6686% | 4,762 |
| Return on Equity (ROE) | 4.6008% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.6008% | 3,108 |
| Net charge-offs to loans | 0.0077% | 3,624 |
| Credit loss provision to net charge-offs | 1,466.6667% | 254 |
| Earnings coverage of net charge-offs (x) | 117.8542% | 532 |
| Efficiency ratio | 70.9436% | 3,166 |
| Assets per employee ($millions) | 12.1243% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7326% | 5,748 |
| Loan loss allowance to noncurrent loans | 343.7996% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 5,152 |
| Noncurrent loans to loans | 0.2131% | 4,918 |
| Net loans and leases to total assets | 83.2702% | 440 |
| Net loans and leases to deposits | 111.8015% | 225 |
| Net loans and leases to core deposits | 129.5073% | 279 |
| Total domestic deposits to total assets | 74.4804% | 5,752 |
| Equity capital to assets | 8.7844% | 5,445 |
| Core capital (leverage) ratio | 9.0808% | 4,849 |
| Tier 1 risk-based capital ratio | 10.9152% | 5,753 |
| Total risk-based capital ratio | 11.6850% | 5,885 |
| Memoranda: | ||
| Average total assets | $1,481,660,330 | 486 |
| Average earning assets | $1,418,812,000 | 460 |
| Average equity | $131,760,330 | 578 |
| Average total loans | $1,243,453,670 | 404 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2006% | 5,650 |
| Cost of funding earning assets | 0.6714% | 994 |
| Net interest margin | 2.5292% | 5,987 |
| Noninterest income to average assets | 0.2019% | 5,506 |
| Noninterest expense to average assets | 1.8994% | 5,759 |
| Loan and lease loss provision to assets | 0.0935% | 2,132 |
| Net operating income to assets | 0.3885% | 5,111 |
| Return on assets (ROA) | 0.3885% | 5,230 |
| Pretax return on assets | 0.6341% | 4,815 |
| Return on Equity (ROE) | 4.3405% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.3405% | 3,409 |
| Net charge-offs to loans | 0.0053% | 3,138 |
| Credit loss provision to net charge-offs | 2,112.5000% | 189 |
| Earnings coverage of net charge-offs (x) | 164.4375% | 332 |
| Efficiency ratio | 72.3053% | 3,120 |
| Assets per employee ($millions) | 12.1327% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 5,828 |
| Loan loss allowance to noncurrent loans | 334.0472% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 5,198 |
| Noncurrent loans to loans | 0.2221% | 4,979 |
| Net loans and leases to total assets | 83.8570% | 319 |
| Net loans and leases to deposits | 117.2897% | 121 |
| Net loans and leases to core deposits | 136.6476% | 181 |
| Total domestic deposits to total assets | 71.4956% | 6,061 |
| Equity capital to assets | 8.8866% | 5,406 |
| Core capital (leverage) ratio | 9.0402% | 4,902 |
| Tier 1 risk-based capital ratio | 10.9216% | 5,839 |
| Total risk-based capital ratio | 11.6974% | 5,983 |
| Memoranda: | ||
| Average total assets | $1,446,538,500 | 491 |
| Average earning assets | $1,386,975,000 | 471 |
| Average equity | $129,478,000 | 593 |
| Average total loans | $1,214,275,500 | 413 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2575% | 5,764 |
| Cost of funding earning assets | 0.6051% | 1,721 |
| Net interest margin | 2.6524% | 6,006 |
| Noninterest income to average assets | 0.2634% | 5,246 |
| Noninterest expense to average assets | 2.1211% | 5,523 |
| Loan and lease loss provision to assets | 0.1251% | 2,092 |
| Net operating income to assets | 0.3472% | 5,384 |
| Return on assets (ROA) | 0.3472% | 5,453 |
| Pretax return on assets | 0.5617% | 5,068 |
| Return on Equity (ROE) | 3.6566% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.6566% | 3,619 |
| Net charge-offs to loans | 0.0620% | 3,606 |
| Credit loss provision to net charge-offs | 246.7409% | 1,033 |
| Earnings coverage of net charge-offs (x) | 13.5469% | 2,256 |
| Efficiency ratio | 75.3638% | 2,619 |
| Assets per employee ($millions) | 10.9617% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 5,886 |
| Loan loss allowance to noncurrent loans | 320.6137% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 5,251 |
| Noncurrent loans to loans | 0.2331% | 4,991 |
| Net loans and leases to total assets | 82.7637% | 454 |
| Net loans and leases to deposits | 118.7706% | 106 |
| Net loans and leases to core deposits | 135.9839% | 195 |
| Total domestic deposits to total assets | 69.6837% | 6,210 |
| Equity capital to assets | 9.0171% | 5,265 |
| Core capital (leverage) ratio | 9.4238% | 4,349 |
| Tier 1 risk-based capital ratio | 11.4344% | 5,694 |
| Total risk-based capital ratio | 12.2345% | 5,847 |
| Memoranda: | ||
| Average total assets | $1,240,762,600 | 544 |
| Average earning assets | $1,190,293,600 | 518 |
| Average equity | $117,814,400 | 612 |
| Average total loans | $1,013,813,200 | 451 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2704% | 5,808 |
| Cost of funding earning assets | 0.5932% | 1,897 |
| Net interest margin | 2.6773% | 6,034 |
| Noninterest income to average assets | 0.2649% | 5,313 |
| Noninterest expense to average assets | 2.1971% | 5,358 |
| Loan and lease loss provision to assets | 0.1103% | 2,208 |
| Net operating income to assets | 0.3267% | 5,506 |
| Return on assets (ROA) | 0.3267% | 5,576 |
| Pretax return on assets | 0.5265% | 5,246 |
| Return on Equity (ROE) | 3.3893% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.3893% | 4,210 |
| Net charge-offs to loans | 0.0862% | 2,972 |
| Credit loss provision to net charge-offs | 157.5758% | 1,524 |
| Earnings coverage of net charge-offs (x) | 9.1005% | 2,713 |
| Efficiency ratio | 77.3599% | 2,293 |
| Assets per employee ($millions) | 10.5137% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 5,981 |
| Loan loss allowance to noncurrent loans | 505.1002% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 5,676 |
| Noncurrent loans to loans | 0.1495% | 5,471 |
| Net loans and leases to total assets | 81.9086% | 522 |
| Net loans and leases to deposits | 116.6490% | 121 |
| Net loans and leases to core deposits | 133.3947% | 201 |
| Total domestic deposits to total assets | 70.2180% | 6,276 |
| Equity capital to assets | 9.4803% | 4,815 |
| Core capital (leverage) ratio | 9.9884% | 3,692 |
| Tier 1 risk-based capital ratio | 11.6432% | 5,709 |
| Total risk-based capital ratio | 12.4177% | 5,879 |
| Memoranda: | ||
| Average total assets | $1,194,698,250 | 560 |
| Average earning assets | $1,146,360,000 | 539 |
| Average equity | $115,144,250 | 624 |
| Average total loans | $970,196,500 | 465 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2760% | 5,832 |
| Cost of funding earning assets | 0.5738% | 2,127 |
| Net interest margin | 2.7022% | 6,050 |
| Noninterest income to average assets | 0.2774% | 5,210 |
| Noninterest expense to average assets | 2.2773% | 5,211 |
| Loan and lease loss provision to assets | 0.1213% | 2,022 |
| Net operating income to assets | 0.2997% | 5,565 |
| Return on assets (ROA) | 0.2997% | 5,637 |
| Pretax return on assets | 0.4748% | 5,347 |
| Return on Equity (ROE) | 3.0899% | 5,497 |
| Retained earnings to average equity (ytd only) | 3.0899% | 4,236 |
| Net charge-offs to loans | 0.0086% | 4,102 |
| Credit loss provision to net charge-offs | 1,740.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 85.5250% | 623 |
| Efficiency ratio | 79.0249% | 2,164 |
| Assets per employee ($millions) | 9.6902% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 5,831 |
| Loan loss allowance to noncurrent loans | 384.3820% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 5,585 |
| Noncurrent loans to loans | 0.2250% | 5,328 |
| Net loans and leases to total assets | 80.8607% | 586 |
| Net loans and leases to deposits | 108.6604% | 234 |
| Net loans and leases to core deposits | 119.7194% | 386 |
| Total domestic deposits to total assets | 74.4160% | 6,072 |
| Equity capital to assets | 9.2418% | 5,051 |
| Core capital (leverage) ratio | 9.5103% | 4,319 |
| Tier 1 risk-based capital ratio | 11.3296% | 5,889 |
| Total risk-based capital ratio | 12.2059% | 6,011 |
| Memoranda: | ||
| Average total assets | $1,147,853,000 | 583 |
| Average earning assets | $1,102,746,000 | 552 |
| Average equity | $111,331,000 | 649 |
| Average total loans | $926,265,330 | 475 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2849% | 5,871 |
| Cost of funding earning assets | 0.5495% | 2,422 |
| Net interest margin | 2.7354% | 6,052 |
| Noninterest income to average assets | 0.2566% | 5,300 |
| Noninterest expense to average assets | 2.3763% | 4,993 |
| Loan and lease loss provision to assets | 0.1397% | 1,742 |
| Net operating income to assets | 0.2538% | 5,652 |
| Return on assets (ROA) | 0.2538% | 5,693 |
| Pretax return on assets | 0.3689% | 5,545 |
| Return on Equity (ROE) | 2.5503% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.5503% | 4,536 |
| Net charge-offs to loans | 0.0018% | 3,641 |
| Credit loss provision to net charge-offs | 9,700.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 353.2500% | 136 |
| Efficiency ratio | 82.3706% | 1,880 |
| Assets per employee ($millions) | 9.4235% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 5,890 |
| Loan loss allowance to noncurrent loans | 382.8362% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 5,665 |
| Noncurrent loans to loans | 0.2328% | 5,404 |
| Net loans and leases to total assets | 79.3822% | 617 |
| Net loans and leases to deposits | 109.8619% | 155 |
| Net loans and leases to core deposits | 118.3870% | 351 |
| Total domestic deposits to total assets | 72.2564% | 6,344 |
| Equity capital to assets | 9.5219% | 4,472 |
| Core capital (leverage) ratio | 10.1377% | 3,374 |
| Tier 1 risk-based capital ratio | 11.8609% | 5,723 |
| Total risk-based capital ratio | 12.7621% | 5,857 |
| Memoranda: | ||
| Average total assets | $1,111,297,500 | 612 |
| Average earning assets | $1,067,787,500 | 577 |
| Average equity | $110,577,000 | 647 |
| Average total loans | $891,451,000 | 487 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4819% | 5,678 |
| Cost of funding earning assets | 0.5784% | 2,851 |
| Net interest margin | 2.9035% | 5,779 |
| Noninterest income to average assets | 0.3936% | 4,495 |
| Noninterest expense to average assets | 2.6841% | 4,147 |
| Loan and lease loss provision to assets | 0.1606% | 2,274 |
| Net operating income to assets | 0.1935% | 5,836 |
| Return on assets (ROA) | 0.1958% | 5,899 |
| Pretax return on assets | 0.3302% | 5,646 |
| Return on Equity (ROE) | 1.8268% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.8268% | 4,935 |
| Net charge-offs to loans | -0.0028% | 5,872 |
| Credit loss provision to net charge-offs | -7,128.5714% | 6,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1518% | 1,610 |
| Assets per employee ($millions) | 8.3658% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 5,795 |
| Loan loss allowance to noncurrent loans | 193.4370% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 5,085 |
| Noncurrent loans to loans | 0.4857% | 4,780 |
| Net loans and leases to total assets | 79.5963% | 637 |
| Net loans and leases to deposits | 107.4011% | 220 |
| Net loans and leases to core deposits | 116.0361% | 419 |
| Total domestic deposits to total assets | 74.1113% | 6,274 |
| Equity capital to assets | 10.4252% | 3,255 |
| Core capital (leverage) ratio | 10.6233% | 2,758 |
| Tier 1 risk-based capital ratio | 12.9564% | 5,004 |
| Total risk-based capital ratio | 13.9091% | 5,148 |
| Memoranda: | ||
| Average total assets | $932,392,000 | 711 |
| Average earning assets | $891,953,800 | 670 |
| Average equity | $99,958,600 | 706 |
| Average total loans | $755,202,400 | 560 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4270% | 5,823 |
| Cost of funding earning assets | 0.5901% | 2,898 |
| Net interest margin | 2.8369% | 5,950 |
| Noninterest income to average assets | 0.4312% | 4,288 |
| Noninterest expense to average assets | 2.6992% | 4,023 |
| Loan and lease loss provision to assets | 0.1279% | 2,689 |
| Net operating income to assets | 0.1844% | 5,948 |
| Return on assets (ROA) | 0.1876% | 6,013 |
| Pretax return on assets | 0.3183% | 5,826 |
| Return on Equity (ROE) | 1.7358% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.7358% | 5,271 |
| Net charge-offs to loans | -0.0036% | 5,741 |
| Credit loss provision to net charge-offs | -4,325.0000% | 6,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1911% | 1,445 |
| Assets per employee ($millions) | 8.4517% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 6,028 |
| Loan loss allowance to noncurrent loans | 282.8185% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 5,681 |
| Noncurrent loans to loans | 0.3226% | 5,418 |
| Net loans and leases to total assets | 77.7843% | 770 |
| Net loans and leases to deposits | 107.0115% | 212 |
| Net loans and leases to core deposits | 115.2123% | 418 |
| Total domestic deposits to total assets | 72.6877% | 6,453 |
| Equity capital to assets | 10.6298% | 3,129 |
| Core capital (leverage) ratio | 11.2511% | 2,250 |
| Tier 1 risk-based capital ratio | 13.5783% | 4,708 |
| Total risk-based capital ratio | 14.5162% | 4,870 |
| Memoranda: | ||
| Average total assets | $901,968,750 | 733 |
| Average earning assets | $861,338,000 | 693 |
| Average equity | $97,475,750 | 730 |
| Average total loans | $732,260,250 | 576 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 5,808 |
| Cost of funding earning assets | 0.6200% | 2,771 |
| Net interest margin | 2.8217% | 5,961 |
| Noninterest income to average assets | 0.4695% | 4,029 |
| Noninterest expense to average assets | 2.7725% | 3,771 |
| Loan and lease loss provision to assets | 0.0991% | 3,139 |
| Net operating income to assets | 0.1697% | 5,978 |
| Return on assets (ROA) | 0.1748% | 6,077 |
| Pretax return on assets | 0.2971% | 5,883 |
| Return on Equity (ROE) | 1.6067% | 6,072 |
| Retained earnings to average equity (ytd only) | 1.6067% | 5,227 |
| Net charge-offs to loans | 0.0031% | 4,859 |
| Credit loss provision to net charge-offs | 3,881.8182% | 78 |
| Earnings coverage of net charge-offs (x) | 152.0909% | 325 |
| Efficiency ratio | 86.8713% | 1,327 |
| Assets per employee ($millions) | 7.5083% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 6,046 |
| Loan loss allowance to noncurrent loans | 232.0921% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 5,498 |
| Noncurrent loans to loans | 0.4011% | 5,265 |
| Net loans and leases to total assets | 80.3151% | 509 |
| Net loans and leases to deposits | 102.5396% | 313 |
| Net loans and leases to core deposits | 108.0679% | 648 |
| Total domestic deposits to total assets | 78.3259% | 5,919 |
| Equity capital to assets | 11.8528% | 2,005 |
| Core capital (leverage) ratio | 12.2971% | 1,456 |
| Tier 1 risk-based capital ratio | 14.9783% | 3,792 |
| Total risk-based capital ratio | 15.9467% | 3,935 |
| Memoranda: | ||
| Average total assets | $861,739,000 | 767 |
| Average earning assets | $821,915,670 | 730 |
| Average equity | $93,732,000 | 750 |
| Average total loans | $708,749,670 | 590 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5080% | 5,680 |
| Cost of funding earning assets | 0.6374% | 2,766 |
| Net interest margin | 2.8706% | 5,868 |
| Noninterest income to average assets | 0.4800% | 3,925 |
| Noninterest expense to average assets | 2.7549% | 3,850 |
| Loan and lease loss provision to assets | 0.1560% | 2,306 |
| Net operating income to assets | 0.1795% | 5,949 |
| Return on assets (ROA) | 0.1889% | 6,037 |
| Pretax return on assets | 0.3192% | 5,815 |
| Return on Equity (ROE) | 1.8258% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.8258% | 5,083 |
| Net charge-offs to loans | -0.0063% | 5,316 |
| Credit loss provision to net charge-offs | -2,972.7273% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2649% | 1,612 |
| Assets per employee ($millions) | 7.2966% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 6,151 |
| Loan loss allowance to noncurrent loans | 196.2931% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 5,149 |
| Noncurrent loans to loans | 0.4811% | 5,219 |
| Net loans and leases to total assets | 84.7333% | 166 |
| Net loans and leases to deposits | 108.1460% | 156 |
| Net loans and leases to core deposits | 112.8529% | 415 |
| Total domestic deposits to total assets | 78.3509% | 6,065 |
| Equity capital to assets | 10.3777% | 3,698 |
| Core capital (leverage) ratio | 10.4551% | 2,840 |
| Tier 1 risk-based capital ratio | 12.8474% | 5,342 |
| Total risk-based capital ratio | 13.8629% | 5,458 |
| Memoranda: | ||
| Average total assets | $838,354,500 | 799 |
| Average earning assets | $798,858,000 | 768 |
| Average equity | $86,756,000 | 825 |
| Average total loans | $694,862,000 | 605 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 6,020 |
| Cost of funding earning assets | 0.7371% | 3,188 |
| Net interest margin | 2.9781% | 6,090 |
| Noninterest income to average assets | 0.6172% | 3,188 |
| Noninterest expense to average assets | 2.8003% | 4,021 |
| Loan and lease loss provision to assets | 0.3599% | 1,845 |
| Net operating income to assets | 0.1881% | 5,813 |
| Return on assets (ROA) | 0.1932% | 5,972 |
| Pretax return on assets | 0.2931% | 5,834 |
| Return on Equity (ROE) | 1.7190% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.7190% | 5,004 |
| Net charge-offs to loans | 0.1769% | 3,958 |
| Credit loss provision to net charge-offs | 255.2239% | 941 |
| Earnings coverage of net charge-offs (x) | 4.5756% | 3,320 |
| Efficiency ratio | 81.0147% | 2,005 |
| Assets per employee ($millions) | 7.3474% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 6,100 |
| Loan loss allowance to noncurrent loans | 202.3884% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 5,334 |
| Noncurrent loans to loans | 0.4736% | 5,343 |
| Net loans and leases to total assets | 79.4533% | 522 |
| Net loans and leases to deposits | 102.2826% | 319 |
| Net loans and leases to core deposits | 107.7616% | 618 |
| Total domestic deposits to total assets | 77.6801% | 6,128 |
| Equity capital to assets | 10.3190% | 3,732 |
| Core capital (leverage) ratio | 10.3693% | 2,927 |
| Tier 1 risk-based capital ratio | 14.8665% | 3,792 |
| Total risk-based capital ratio | 15.9925% | 3,823 |
| Memoranda: | ||
| Average total assets | $760,236,800 | 877 |
| Average earning assets | $721,998,600 | 827 |
| Average equity | $85,457,600 | 820 |
| Average total loans | $605,851,600 | 686 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7311% | 6,167 |
| Cost of funding earning assets | 0.7549% | 3,310 |
| Net interest margin | 2.9762% | 6,218 |
| Noninterest income to average assets | 0.5649% | 3,510 |
| Noninterest expense to average assets | 2.7701% | 4,091 |
| Loan and lease loss provision to assets | 0.3671% | 1,772 |
| Net operating income to assets | 0.1737% | 5,980 |
| Return on assets (ROA) | 0.1737% | 6,135 |
| Pretax return on assets | 0.2530% | 6,038 |
| Return on Equity (ROE) | 1.5099% | 6,157 |
| Retained earnings to average equity (ytd only) | 1.5099% | 5,584 |
| Net charge-offs to loans | 0.1894% | 3,604 |
| Credit loss provision to net charge-offs | 243.7276% | 1,136 |
| Earnings coverage of net charge-offs (x) | 4.1171% | 3,398 |
| Efficiency ratio | 81.5701% | 1,853 |
| Assets per employee ($millions) | 7.0861% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,393 |
| Loan loss allowance to noncurrent loans | 280.9680% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 5,837 |
| Noncurrent loans to loans | 0.3189% | 5,843 |
| Net loans and leases to total assets | 80.4627% | 472 |
| Net loans and leases to deposits | 106.6728% | 226 |
| Net loans and leases to core deposits | 112.9734% | 463 |
| Total domestic deposits to total assets | 75.4294% | 6,466 |
| Equity capital to assets | 10.4387% | 3,916 |
| Core capital (leverage) ratio | 10.8891% | 2,501 |
| Tier 1 risk-based capital ratio | 14.5442% | 4,154 |
| Total risk-based capital ratio | 15.5917% | 4,273 |
| Memoranda: | ||
| Average total assets | $740,896,250 | 906 |
| Average earning assets | $703,338,250 | 864 |
| Average equity | $85,214,000 | 824 |
| Average total loans | $589,329,500 | 701 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 6,224 |
| Cost of funding earning assets | 0.7777% | 3,385 |
| Net interest margin | 2.9836% | 6,276 |
| Noninterest income to average assets | 0.6836% | 2,755 |
| Noninterest expense to average assets | 2.8249% | 3,922 |
| Loan and lease loss provision to assets | 0.3659% | 1,798 |
| Net operating income to assets | 0.2166% | 5,866 |
| Return on assets (ROA) | 0.2166% | 6,055 |
| Pretax return on assets | 0.3219% | 5,918 |
| Return on Equity (ROE) | 1.8185% | 6,096 |
| Retained earnings to average equity (ytd only) | 1.8185% | 5,285 |
| Net charge-offs to loans | 0.2563% | 3,041 |
| Credit loss provision to net charge-offs | 180.8864% | 1,560 |
| Earnings coverage of net charge-offs (x) | 3.4003% | 3,387 |
| Efficiency ratio | 80.4195% | 2,110 |
| Assets per employee ($millions) | 6.6808% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 6,469 |
| Loan loss allowance to noncurrent loans | 164.0649% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 5,692 |
| Noncurrent loans to loans | 0.5456% | 5,427 |
| Net loans and leases to total assets | 78.6092% | 664 |
| Net loans and leases to deposits | 102.2698% | 331 |
| Net loans and leases to core deposits | 108.9496% | 619 |
| Total domestic deposits to total assets | 76.8646% | 6,344 |
| Equity capital to assets | 11.3155% | 2,768 |
| Core capital (leverage) ratio | 11.4446% | 1,938 |
| Tier 1 risk-based capital ratio | 16.2354% | 3,044 |
| Total risk-based capital ratio | 17.2859% | 3,114 |
| Memoranda: | ||
| Average total assets | $713,865,000 | 932 |
| Average earning assets | $676,905,670 | 899 |
| Average equity | $85,017,000 | 810 |
| Average total loans | $563,314,670 | 739 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 5,886 |
| Cost of funding earning assets | 0.7883% | 3,559 |
| Net interest margin | 3.1685% | 5,849 |
| Noninterest income to average assets | 0.5527% | 3,544 |
| Noninterest expense to average assets | 2.8881% | 3,671 |
| Loan and lease loss provision to assets | 0.2775% | 2,241 |
| Net operating income to assets | 0.2660% | 5,763 |
| Return on assets (ROA) | 0.2660% | 5,923 |
| Pretax return on assets | 0.3946% | 5,740 |
| Return on Equity (ROE) | 2.1742% | 6,014 |
| Retained earnings to average equity (ytd only) | 2.1742% | 5,176 |
| Net charge-offs to loans | 0.0594% | 3,905 |
| Credit loss provision to net charge-offs | 593.8272% | 575 |
| Earnings coverage of net charge-offs (x) | 14.3827% | 1,473 |
| Efficiency ratio | 81.1214% | 2,061 |
| Assets per employee ($millions) | 6.7753% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 6,486 |
| Loan loss allowance to noncurrent loans | 112.3752% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 5,289 |
| Noncurrent loans to loans | 0.8217% | 5,034 |
| Net loans and leases to total assets | 77.3269% | 659 |
| Net loans and leases to deposits | 103.6132% | 262 |
| Net loans and leases to core deposits | 108.1576% | 606 |
| Total domestic deposits to total assets | 74.6304% | 6,686 |
| Equity capital to assets | 11.8445% | 2,152 |
| Core capital (leverage) ratio | 12.1058% | 1,528 |
| Tier 1 risk-based capital ratio | 17.5082% | 2,471 |
| Total risk-based capital ratio | 18.6069% | 2,497 |
| Memoranda: | ||
| Average total assets | $693,333,000 | 953 |
| Average earning assets | $658,099,500 | 925 |
| Average equity | $84,813,500 | 809 |
| Average total loans | $545,570,000 | 766 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 6,403 |
| Cost of funding earning assets | 1.0325% | 3,143 |
| Net interest margin | 2.9990% | 6,534 |
| Noninterest income to average assets | 0.2879% | 5,474 |
| Noninterest expense to average assets | 2.7499% | 4,552 |
| Loan and lease loss provision to assets | 0.3891% | 2,659 |
| Net operating income to assets | -0.0210% | 6,072 |
| Return on assets (ROA) | 0.2925% | 5,438 |
| Pretax return on assets | 0.4402% | 5,169 |
| Return on Equity (ROE) | 3.1478% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.1478% | 3,981 |
| Net charge-offs to loans | 0.0935% | 5,405 |
| Credit loss provision to net charge-offs | 574.1206% | 399 |
| Earnings coverage of net charge-offs (x) | 5.2261% | 2,859 |
| Efficiency ratio | 88.5902% | 1,308 |
| Assets per employee ($millions) | 6.6187% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 6,534 |
| Loan loss allowance to noncurrent loans | 105.7339% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 5,289 |
| Noncurrent loans to loans | 0.8513% | 4,986 |
| Net loans and leases to total assets | 78.6616% | 641 |
| Net loans and leases to deposits | 111.1842% | 158 |
| Net loans and leases to core deposits | 114.2417% | 492 |
| Total domestic deposits to total assets | 70.7489% | 6,949 |
| Equity capital to assets | 12.6498% | 1,697 |
| Core capital (leverage) ratio | 12.8255% | 1,208 |
| Tier 1 risk-based capital ratio | 18.0476% | 2,175 |
| Total risk-based capital ratio | 19.1040% | 2,220 |
| Memoranda: | ||
| Average total assets | $587,287,600 | 1,126 |
| Average earning assets | $551,491,000 | 1,080 |
| Average equity | $54,578,400 | 1,244 |
| Average total loans | $425,550,800 | 983 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 6,537 |
| Cost of funding earning assets | 1.1041% | 2,950 |
| Net interest margin | 2.9281% | 6,711 |
| Noninterest income to average assets | 0.2723% | 5,671 |
| Noninterest expense to average assets | 2.7318% | 4,603 |
| Loan and lease loss provision to assets | 0.3617% | 2,696 |
| Net operating income to assets | -0.0543% | 6,225 |
| Return on assets (ROA) | 0.3849% | 5,251 |
| Pretax return on assets | 0.5759% | 4,893 |
| Return on Equity (ROE) | 4.6357% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.6357% | 3,422 |
| Net charge-offs to loans | 0.1279% | 4,768 |
| Credit loss provision to net charge-offs | 401.5666% | 713 |
| Earnings coverage of net charge-offs (x) | 3.1306% | 3,569 |
| Efficiency ratio | 90.6445% | 1,129 |
| Assets per employee ($millions) | 7.8254% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 6,587 |
| Loan loss allowance to noncurrent loans | 99.1906% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 5,633 |
| Noncurrent loans to loans | 0.9099% | 5,046 |
| Net loans and leases to total assets | 64.4757% | 3,209 |
| Net loans and leases to deposits | 82.5607% | 2,246 |
| Net loans and leases to core deposits | 87.0758% | 2,623 |
| Total domestic deposits to total assets | 78.0950% | 6,179 |
| Equity capital to assets | 6.8649% | 7,075 |
| Core capital (leverage) ratio | 8.0799% | 6,308 |
| Tier 1 risk-based capital ratio | 11.6584% | 6,135 |
| Total risk-based capital ratio | 12.6697% | 6,284 |
| Memoranda: | ||
| Average total assets | $566,988,250 | 1,178 |
| Average earning assets | $530,845,250 | 1,137 |
| Average equity | $47,082,500 | 1,448 |
| Average total loans | $399,284,250 | 1,075 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 6,172 |
| Cost of funding earning assets | 1.2463% | 2,277 |
| Net interest margin | 3.0007% | 6,606 |
| Noninterest income to average assets | 0.2823% | 5,631 |
| Noninterest expense to average assets | 2.8995% | 4,023 |
| Loan and lease loss provision to assets | 0.4627% | 2,126 |
| Net operating income to assets | -0.1896% | 6,463 |
| Return on assets (ROA) | 0.5095% | 4,598 |
| Pretax return on assets | 0.7746% | 4,122 |
| Return on Equity (ROE) | 5.7041% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.7041% | 2,589 |
| Net charge-offs to loans | 0.1922% | 4,007 |
| Credit loss provision to net charge-offs | 330.9783% | 925 |
| Earnings coverage of net charge-offs (x) | 1.2745% | 4,334 |
| Efficiency ratio | 94.2106% | 963 |
| Assets per employee ($millions) | 6.3190% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 6,674 |
| Loan loss allowance to noncurrent loans | 103.2588% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 5,582 |
| Noncurrent loans to loans | 0.8661% | 5,221 |
| Net loans and leases to total assets | 75.3692% | 1,176 |
| Net loans and leases to deposits | 104.4064% | 305 |
| Net loans and leases to core deposits | 112.4163% | 633 |
| Total domestic deposits to total assets | 72.1883% | 6,992 |
| Equity capital to assets | 8.5453% | 6,134 |
| Core capital (leverage) ratio | 8.7679% | 5,095 |
| Tier 1 risk-based capital ratio | 12.0906% | 5,715 |
| Total risk-based capital ratio | 13.0619% | 5,914 |
| Memoranda: | ||
| Average total assets | $526,439,000 | 1,276 |
| Average earning assets | $490,413,000 | 1,248 |
| Average equity | $47,018,670 | 1,438 |
| Average total loans | $383,030,000 | 1,144 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 6,212 |
| Cost of funding earning assets | 1.2890% | 2,249 |
| Net interest margin | 2.9400% | 6,691 |
| Noninterest income to average assets | 0.2533% | 5,868 |
| Noninterest expense to average assets | 2.8882% | 4,110 |
| Loan and lease loss provision to assets | 0.3699% | 2,344 |
| Net operating income to assets | -0.1976% | 6,559 |
| Return on assets (ROA) | 1.1889% | 1,599 |
| Pretax return on assets | 1.8944% | 685 |
| Return on Equity (ROE) | 13.0105% | 1,193 |
| Retained earnings to average equity (ytd only) | 13.0105% | 588 |
| Net charge-offs to loans | 0.0405% | 4,543 |
| Credit loss provision to net charge-offs | 1,286.4865% | 309 |
| Earnings coverage of net charge-offs (x) | 3.4054% | 2,750 |
| Efficiency ratio | 96.7213% | 887 |
| Assets per employee ($millions) | 6.3763% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 6,803 |
| Loan loss allowance to noncurrent loans | 149.6403% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 6,153 |
| Noncurrent loans to loans | 0.5741% | 5,877 |
| Net loans and leases to total assets | 72.5729% | 1,596 |
| Net loans and leases to deposits | 101.5730% | 399 |
| Net loans and leases to core deposits | 110.4802% | 696 |
| Total domestic deposits to total assets | 71.4491% | 7,112 |
| Equity capital to assets | 8.9123% | 5,328 |
| Core capital (leverage) ratio | 9.3518% | 4,050 |
| Tier 1 risk-based capital ratio | 12.8784% | 4,923 |
| Total risk-based capital ratio | 13.7967% | 5,200 |
| Memoranda: | ||
| Average total assets | $514,783,000 | 1,311 |
| Average earning assets | $478,511,500 | 1,287 |
| Average equity | $47,039,000 | 1,423 |
| Average total loans | $365,504,000 | 1,203 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 6,254 |
| Cost of funding earning assets | 1.6425% | 1,860 |
| Net interest margin | 2.9067% | 6,882 |
| Noninterest income to average assets | 0.3036% | 5,626 |
| Noninterest expense to average assets | 2.5372% | 5,658 |
| Loan and lease loss provision to assets | 0.0872% | 6,281 |
| Net operating income to assets | 0.3345% | 4,810 |
| Return on assets (ROA) | 0.3638% | 4,853 |
| Pretax return on assets | 0.4076% | 4,921 |
| Return on Equity (ROE) | 4.0463% | 4,502 |
| Retained earnings to average equity (ytd only) | 4.0463% | 3,027 |
| Net charge-offs to loans | 0.0064% | 6,780 |
| Credit loss provision to net charge-offs | 1,990.9091% | 119 |
| Earnings coverage of net charge-offs (x) | 105.4545% | 237 |
| Efficiency ratio | 84.5980% | 1,850 |
| Assets per employee ($millions) | 5.8178% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 6,879 |
| Loan loss allowance to noncurrent loans | 169.0462% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 6,403 |
| Noncurrent loans to loans | 0.4974% | 6,046 |
| Net loans and leases to total assets | 68.0968% | 2,966 |
| Net loans and leases to deposits | 98.1017% | 709 |
| Net loans and leases to core deposits | 103.3811% | 1,362 |
| Total domestic deposits to total assets | 69.4146% | 7,266 |
| Equity capital to assets | 9.3760% | 4,576 |
| Core capital (leverage) ratio | 9.2463% | 4,096 |
| Tier 1 risk-based capital ratio | 13.6014% | 4,132 |
| Total risk-based capital ratio | 14.7572% | 4,169 |
| Memoranda: | ||
| Average total assets | $502,236,800 | 1,334 |
| Average earning assets | $465,747,800 | 1,322 |
| Average equity | $45,152,600 | 1,483 |
| Average total loans | $345,980,600 | 1,297 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 6,254 |
| Cost of funding earning assets | 1.7093% | 1,826 |
| Net interest margin | 2.9223% | 6,974 |
| Noninterest income to average assets | 0.3567% | 5,312 |
| Noninterest expense to average assets | 2.3647% | 6,137 |
| Loan and lease loss provision to assets | 0.0655% | 6,409 |
| Net operating income to assets | 0.4276% | 4,636 |
| Return on assets (ROA) | 0.4373% | 4,774 |
| Pretax return on assets | 0.6495% | 4,424 |
| Return on Equity (ROE) | 4.9172% | 4,330 |
| Retained earnings to average equity (ytd only) | 4.9172% | 3,046 |
| Net charge-offs to loans | 0.0058% | 6,589 |
| Credit loss provision to net charge-offs | 1,646.6667% | 190 |
| Earnings coverage of net charge-offs (x) | 176.0625% | 186 |
| Efficiency ratio | 77.1480% | 2,746 |
| Assets per employee ($millions) | 6.1286% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 7,003 |
| Loan loss allowance to noncurrent loans | 161.0119% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 6,525 |
| Noncurrent loans to loans | 0.4975% | 6,206 |
| Net loans and leases to total assets | 68.3207% | 3,137 |
| Net loans and leases to deposits | 99.8623% | 670 |
| Net loans and leases to core deposits | 105.5569% | 1,356 |
| Total domestic deposits to total assets | 68.4150% | 7,355 |
| Equity capital to assets | 9.3371% | 5,069 |
| Core capital (leverage) ratio | 9.1126% | 4,511 |
| Tier 1 risk-based capital ratio | 14.4230% | 3,556 |
| Total risk-based capital ratio | 15.3583% | 3,733 |
| Memoranda: | ||
| Average total assets | $502,712,750 | 1,344 |
| Average earning assets | $465,923,000 | 1,328 |
| Average equity | $44,713,000 | 1,500 |
| Average total loans | $346,575,750 | 1,308 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 6,236 |
| Cost of funding earning assets | 1.7617% | 1,811 |
| Net interest margin | 2.9122% | 6,989 |
| Noninterest income to average assets | 0.0047% | 7,512 |
| Noninterest expense to average assets | 2.1667% | 6,729 |
| Loan and lease loss provision to assets | 0.1105% | 5,800 |
| Net operating income to assets | 0.2932% | 5,208 |
| Return on assets (ROA) | 0.2932% | 5,359 |
| Pretax return on assets | 0.4222% | 5,148 |
| Return on Equity (ROE) | 3.3500% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.3500% | 3,976 |
| Net charge-offs to loans | 0.0040% | 6,320 |
| Credit loss provision to net charge-offs | 4,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 192.8571% | 173 |
| Efficiency ratio | 80.2660% | 2,410 |
| Assets per employee ($millions) | 6.8392% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 7,032 |
| Loan loss allowance to noncurrent loans | 137.1628% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 6,447 |
| Noncurrent loans to loans | 0.5827% | 6,084 |
| Net loans and leases to total assets | 67.3385% | 3,539 |
| Net loans and leases to deposits | 101.5928% | 616 |
| Net loans and leases to core deposits | 107.3792% | 1,349 |
| Total domestic deposits to total assets | 66.2828% | 7,516 |
| Equity capital to assets | 8.8030% | 5,748 |
| Core capital (leverage) ratio | 8.7917% | 4,928 |
| Tier 1 risk-based capital ratio | 13.8088% | 3,866 |
| Total risk-based capital ratio | 14.6600% | 4,094 |
| Memoranda: | ||
| Average total assets | $506,854,000 | 1,340 |
| Average earning assets | $468,989,330 | 1,325 |
| Average equity | $44,357,670 | 1,506 |
| Average total loans | $349,543,000 | 1,317 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 6,110 |
| Cost of funding earning assets | 1.8284% | 1,757 |
| Net interest margin | 2.9123% | 7,001 |
| Noninterest income to average assets | 0.7791% | 2,122 |
| Noninterest expense to average assets | 2.0898% | 6,971 |
| Loan and lease loss provision to assets | 0.2240% | 4,255 |
| Net operating income to assets | 0.7113% | 3,386 |
| Return on assets (ROA) | 0.7113% | 3,495 |
| Pretax return on assets | 1.1521% | 2,545 |
| Return on Equity (ROE) | 8.1517% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.1517% | 1,643 |
| Net charge-offs to loans | 0.0068% | 5,508 |
| Credit loss provision to net charge-offs | 4,733.3333% | 102 |
| Earnings coverage of net charge-offs (x) | 290.8333% | 110 |
| Efficiency ratio | 60.2958% | 6,114 |
| Assets per employee ($millions) | 7.1806% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 7,161 |
| Loan loss allowance to noncurrent loans | 120.3412% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 6,345 |
| Noncurrent loans to loans | 0.6520% | 6,022 |
| Net loans and leases to total assets | 68.2279% | 3,333 |
| Net loans and leases to deposits | 107.7277% | 351 |
| Net loans and leases to core deposits | 112.9500% | 1,100 |
| Total domestic deposits to total assets | 63.3336% | 7,695 |
| Equity capital to assets | 8.7699% | 5,609 |
| Core capital (leverage) ratio | 8.8279% | 4,821 |
| Tier 1 risk-based capital ratio | 13.0467% | 4,300 |
| Total risk-based capital ratio | 13.8495% | 4,604 |
| Memoranda: | ||
| Average total assets | $507,232,000 | 1,366 |
| Average earning assets | $467,946,500 | 1,359 |
| Average equity | $44,260,500 | 1,515 |
| Average total loans | $352,542,000 | 1,342 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 6,543 |
| Cost of funding earning assets | 2.2466% | 1,848 |
| Net interest margin | 2.7182% | 7,187 |
| Noninterest income to average assets | 0.8465% | 2,195 |
| Noninterest expense to average assets | 2.0357% | 7,308 |
| Loan and lease loss provision to assets | 0.0729% | 6,855 |
| Net operating income to assets | 0.7083% | 2,898 |
| Return on assets (ROA) | 0.7083% | 2,964 |
| Pretax return on assets | 1.2544% | 1,820 |
| Return on Equity (ROE) | 8.4642% | 2,211 |
| Retained earnings to average equity (ytd only) | 8.4642% | 592 |
| Net charge-offs to loans | 0.0046% | 7,181 |
| Credit loss provision to net charge-offs | 2,152.9412% | 151 |
| Earnings coverage of net charge-offs (x) | 392.0000% | 72 |
| Efficiency ratio | 60.5330% | 6,400 |
| Assets per employee ($millions) | 6.9129% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6976% | 7,383 |
| Loan loss allowance to noncurrent loans | 129.0037% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 6,500 |
| Noncurrent loans to loans | 0.5408% | 6,165 |
| Net loans and leases to total assets | 69.7563% | 3,314 |
| Net loans and leases to deposits | 112.5143% | 305 |
| Net loans and leases to core deposits | 138.5789% | 858 |
| Total domestic deposits to total assets | 61.9977% | 7,759 |
| Equity capital to assets | 8.6814% | 5,617 |
| Core capital (leverage) ratio | 8.7307% | 4,872 |
| Tier 1 risk-based capital ratio | 13.0188% | 4,130 |
| Total risk-based capital ratio | 13.7537% | 4,469 |
| Memoranda: | ||
| Average total assets | $502,076,600 | 1,367 |
| Average earning assets | $464,833,600 | 1,355 |
| Average equity | $42,012,200 | 1,588 |
| Average total loans | $366,114,600 | 1,312 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 6,583 |
| Cost of funding earning assets | 2.3273% | 1,885 |
| Net interest margin | 2.6799% | 7,244 |
| Noninterest income to average assets | 0.8461% | 2,218 |
| Noninterest expense to average assets | 2.0293% | 7,329 |
| Loan and lease loss provision to assets | 0.0569% | 6,799 |
| Net operating income to assets | 0.6836% | 3,265 |
| Return on assets (ROA) | 0.6836% | 3,317 |
| Pretax return on assets | 1.2417% | 2,132 |
| Return on Equity (ROE) | 8.2476% | 2,537 |
| Retained earnings to average equity (ytd only) | 8.2476% | 1,063 |
| Net charge-offs to loans | 0.0061% | 6,874 |
| Credit loss provision to net charge-offs | 1,258.8235% | 301 |
| Earnings coverage of net charge-offs (x) | 287.2448% | 125 |
| Efficiency ratio | 60.9779% | 6,280 |
| Assets per employee ($millions) | 6.6654% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 7,505 |
| Loan loss allowance to noncurrent loans | 93.0261% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 6,217 |
| Noncurrent loans to loans | 0.6901% | 5,922 |
| Net loans and leases to total assets | 71.8544% | 3,072 |
| Net loans and leases to deposits | 119.6194% | 211 |
| Net loans and leases to core deposits | 148.5503% | 614 |
| Total domestic deposits to total assets | 60.0692% | 7,874 |
| Equity capital to assets | 8.6664% | 6,011 |
| Core capital (leverage) ratio | 8.6564% | 5,212 |
| Tier 1 risk-based capital ratio | 13.1910% | 4,058 |
| Total risk-based capital ratio | 13.8978% | 4,388 |
| Memoranda: | ||
| Average total assets | $501,435,750 | 1,393 |
| Average earning assets | $464,381,500 | 1,372 |
| Average equity | $41,562,750 | 1,628 |
| Average total loans | $369,020,500 | 1,318 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 6,594 |
| Cost of funding earning assets | 2.4018% | 1,964 |
| Net interest margin | 2.6551% | 7,292 |
| Noninterest income to average assets | 0.7144% | 2,903 |
| Noninterest expense to average assets | 2.0807% | 7,316 |
| Loan and lease loss provision to assets | 0.1104% | 6,047 |
| Net operating income to assets | 0.5400% | 3,935 |
| Return on assets (ROA) | 0.3502% | 4,793 |
| Pretax return on assets | 0.6877% | 4,044 |
| Return on Equity (ROE) | 4.2904% | 4,379 |
| Retained earnings to average equity (ytd only) | 4.2904% | 2,914 |
| Net charge-offs to loans | 0.0081% | 6,468 |
| Credit loss provision to net charge-offs | 1,846.6667% | 286 |
| Earnings coverage of net charge-offs (x) | 183.1333% | 222 |
| Efficiency ratio | 65.5289% | 5,626 |
| Assets per employee ($millions) | 6.9538% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6361% | 7,569 |
| Loan loss allowance to noncurrent loans | 178.3259% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 6,815 |
| Noncurrent loans to loans | 0.3567% | 6,617 |
| Net loans and leases to total assets | 73.4207% | 2,858 |
| Net loans and leases to deposits | 124.8684% | 168 |
| Net loans and leases to core deposits | 155.0848% | 544 |
| Total domestic deposits to total assets | 58.7984% | 7,965 |
| Equity capital to assets | 8.2012% | 6,489 |
| Core capital (leverage) ratio | 8.4247% | 5,574 |
| Tier 1 risk-based capital ratio | 12.4552% | 4,555 |
| Total risk-based capital ratio | 13.1691% | 4,902 |
| Memoranda: | ||
| Average total assets | $501,945,330 | 1,418 |
| Average earning assets | $465,225,670 | 1,389 |
| Average equity | $40,975,670 | 1,657 |
| Average total loans | $371,518,670 | 1,333 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 6,597 |
| Cost of funding earning assets | 2.5089% | 1,887 |
| Net interest margin | 2.6100% | 7,356 |
| Noninterest income to average assets | -0.4825% | 8,195 |
| Noninterest expense to average assets | 1.9876% | 7,383 |
| Loan and lease loss provision to assets | 0.0232% | 6,614 |
| Net operating income to assets | -0.0409% | 6,317 |
| Return on assets (ROA) | -0.1691% | 6,604 |
| Pretax return on assets | -0.2741% | 6,645 |
| Return on Equity (ROE) | -2.0764% | 6,670 |
| Retained earnings to average equity (ytd only) | -2.0764% | 6,119 |
| Net charge-offs to loans | 0.0011% | 5,723 |
| Credit loss provision to net charge-offs | 2,900.0000% | 230 |
| Earnings coverage of net charge-offs (x) | -63.0000% | 5,701 |
| Efficiency ratio | 102.6065% | 1,029 |
| Assets per employee ($millions) | 6.9475% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 7,687 |
| Loan loss allowance to noncurrent loans | 233.6591% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 6,986 |
| Noncurrent loans to loans | 0.2495% | 6,822 |
| Net loans and leases to total assets | 73.3584% | 2,923 |
| Net loans and leases to deposits | 124.8098% | 203 |
| Net loans and leases to core deposits | 157.6038% | 534 |
| Total domestic deposits to total assets | 58.7762% | 7,994 |
| Equity capital to assets | 8.1049% | 6,670 |
| Core capital (leverage) ratio | 8.2498% | 6,001 |
| Tier 1 risk-based capital ratio | 12.4110% | 4,607 |
| Total risk-based capital ratio | 13.0698% | 5,016 |
| Memoranda: | ||
| Average total assets | $499,102,500 | 1,419 |
| Average earning assets | $462,679,000 | 1,406 |
| Average equity | $40,647,500 | 1,672 |
| Average total loans | $369,732,000 | 1,364 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 7,591 |
| Cost of funding earning assets | 2.9082% | 2,234 |
| Net interest margin | 2.3972% | 7,852 |
| Noninterest income to average assets | -0.5834% | 8,278 |
| Noninterest expense to average assets | 1.9478% | 7,543 |
| Loan and lease loss provision to assets | 0.1524% | 5,412 |
| Net operating income to assets | -0.2348% | 6,660 |
| Return on assets (ROA) | -0.3693% | 6,669 |
| Pretax return on assets | -0.6727% | 6,793 |
| Return on Equity (ROE) | -4.1888% | 6,773 |
| Retained earnings to average equity (ytd only) | -4.1888% | 6,359 |
| Net charge-offs to loans | 0.0109% | 6,773 |
| Credit loss provision to net charge-offs | 1,905.2632% | 236 |
| Earnings coverage of net charge-offs (x) | -38.7632% | 6,974 |
| Efficiency ratio | 118.9356% | 582 |
| Assets per employee ($millions) | 6.9165% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5735% | 7,722 |
| Loan loss allowance to noncurrent loans | 184.6957% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 6,644 |
| Noncurrent loans to loans | 0.3105% | 6,450 |
| Net loans and leases to total assets | 73.9449% | 3,114 |
| Net loans and leases to deposits | 129.7199% | 216 |
| Net loans and leases to core deposits | 165.1690% | 489 |
| Total domestic deposits to total assets | 57.0035% | 8,038 |
| Equity capital to assets | 8.1835% | 6,575 |
| Core capital (leverage) ratio | 8.3812% | 5,799 |
| Tier 1 risk-based capital ratio | 12.6535% | 4,320 |
| Total risk-based capital ratio | 13.3130% | 4,656 |
| Memoranda: | ||
| Average total assets | $474,986,600 | 1,452 |
| Average earning assets | $440,104,200 | 1,419 |
| Average equity | $41,873,600 | 1,597 |
| Average total loans | $349,729,000 | 1,387 |