Home > American Trust & Savings Bank > Performance and Condition Ratios
American Trust & 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 | 3.9121% | 4,533 |
| Cost of funding earning assets | 0.9958% | 1,583 |
| Net interest margin | 2.9163% | 4,860 |
| Noninterest income to average assets | 1.9474% | 256 |
| Noninterest expense to average assets | 3.4750% | 1,000 |
| Loan and lease loss provision to assets | 0.0806% | 2,088 |
| Net operating income to assets | 0.8922% | 3,259 |
| Return on assets (ROA) | 0.8922% | 3,313 |
| Pretax return on assets | 1.1123% | 3,110 |
| Return on Equity (ROE) | 8.3439% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.3439% | 1,533 |
| Net charge-offs to loans | -0.0108% | 4,252 |
| Credit loss provision to net charge-offs | -925.9259% | 3,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3287% | 1,709 |
| Assets per employee ($millions) | 5.0386% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,088 |
| Loan loss allowance to noncurrent loans | 157.4074% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 1,671 |
| Noncurrent loans to loans | 0.7036% | 2,263 |
| Net loans and leases to total assets | 80.5417% | 776 |
| Net loans and leases to deposits | 100.4969% | 598 |
| Net loans and leases to core deposits | 113.0804% | 783 |
| Total domestic deposits to total assets | 80.1435% | 4,152 |
| Equity capital to assets | 10.8943% | 2,958 |
| Core capital (leverage) ratio | 10.9862% | 2,588 |
| Tier 1 risk-based capital ratio | 11.6652% | 4,643 |
| Total risk-based capital ratio | 12.6335% | 4,697 |
| Memoranda: | ||
| Average total assets | $1,241,426,000 | 648 |
| Average earning assets | $1,158,042,500 | 634 |
| Average equity | $132,743,500 | 687 |
| Average total loans | $1,004,304,500 | 573 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 4,179 |
| Cost of funding earning assets | 0.8504% | 1,302 |
| Net interest margin | 3.0947% | 4,660 |
| Noninterest income to average assets | 2.1549% | 241 |
| Noninterest expense to average assets | 3.7098% | 760 |
| Loan and lease loss provision to assets | 0.0838% | 2,455 |
| Net operating income to assets | 0.9871% | 3,070 |
| Return on assets (ROA) | 0.9871% | 3,068 |
| Pretax return on assets | 1.2361% | 2,753 |
| Return on Equity (ROE) | 9.3748% | 2,799 |
| Retained earnings to average equity (ytd only) | 7.2254% | 1,567 |
| Net charge-offs to loans | 0.0461% | 2,512 |
| Credit loss provision to net charge-offs | 221.2389% | 1,317 |
| Earnings coverage of net charge-offs (x) | 34.8385% | 1,456 |
| Efficiency ratio | 73.6460% | 1,676 |
| Assets per employee ($millions) | 4.5897% | 3,035 |
| Cash dividends to net income (ytd only)* | 22.9280% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,211 |
| Loan loss allowance to noncurrent loans | 346.5688% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5233% | 2,496 |
| Noncurrent loans to loans | 0.3123% | 3,431 |
| Net loans and leases to total assets | 79.4911% | 1,021 |
| Net loans and leases to deposits | 95.5306% | 1,117 |
| Net loans and leases to core deposits | 107.0098% | 1,195 |
| Total domestic deposits to total assets | 83.2101% | 3,259 |
| Equity capital to assets | 10.4936% | 3,198 |
| Core capital (leverage) ratio | 10.7133% | 2,825 |
| Tier 1 risk-based capital ratio | 11.5597% | 4,693 |
| Total risk-based capital ratio | 12.5154% | 4,747 |
| Memoranda: | ||
| Average total assets | $1,193,025,000 | 642 |
| Average earning assets | $1,108,290,400 | 641 |
| Average equity | $125,613,200 | 688 |
| Average total loans | $980,745,800 | 568 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 4,202 |
| Cost of funding earning assets | 0.8019% | 1,328 |
| Net interest margin | 3.1035% | 4,699 |
| Noninterest income to average assets | 2.1822% | 243 |
| Noninterest expense to average assets | 3.7865% | 679 |
| Loan and lease loss provision to assets | 0.0848% | 2,272 |
| Net operating income to assets | 0.9622% | 3,256 |
| Return on assets (ROA) | 0.9622% | 3,264 |
| Pretax return on assets | 1.1953% | 3,003 |
| Return on Equity (ROE) | 9.1307% | 3,028 |
| Retained earnings to average equity (ytd only) | 6.2338% | 2,535 |
| Net charge-offs to loans | 0.0228% | 2,683 |
| Credit loss provision to net charge-offs | 449.1018% | 762 |
| Earnings coverage of net charge-offs (x) | 67.7908% | 977 |
| Efficiency ratio | 74.6234% | 1,509 |
| Assets per employee ($millions) | 4.2184% | 3,548 |
| Cash dividends to net income (ytd only)* | 31.7274% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 3,147 |
| Loan loss allowance to noncurrent loans | 270.7681% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 2,285 |
| Noncurrent loans to loans | 0.4089% | 3,187 |
| Net loans and leases to total assets | 81.2146% | 843 |
| Net loans and leases to deposits | 100.1802% | 770 |
| Net loans and leases to core deposits | 115.8765% | 722 |
| Total domestic deposits to total assets | 81.0685% | 3,847 |
| Equity capital to assets | 10.6086% | 3,035 |
| Core capital (leverage) ratio | 10.4930% | 3,092 |
| Tier 1 risk-based capital ratio | 11.4256% | 4,839 |
| Total risk-based capital ratio | 12.3975% | 4,869 |
| Memoranda: | ||
| Average total assets | $1,179,183,750 | 647 |
| Average earning assets | $1,095,891,500 | 646 |
| Average equity | $124,266,250 | 694 |
| Average total loans | $975,128,000 | 571 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 4,248 |
| Cost of funding earning assets | 0.7399% | 1,429 |
| Net interest margin | 3.0973% | 4,734 |
| Noninterest income to average assets | 2.1676% | 251 |
| Noninterest expense to average assets | 3.8025% | 670 |
| Loan and lease loss provision to assets | 0.0853% | 2,211 |
| Net operating income to assets | 0.9373% | 3,293 |
| Return on assets (ROA) | 0.9373% | 3,299 |
| Pretax return on assets | 1.1628% | 3,088 |
| Return on Equity (ROE) | 8.9148% | 3,066 |
| Retained earnings to average equity (ytd only) | 5.3469% | 2,911 |
| Net charge-offs to loans | 0.0280% | 2,294 |
| Credit loss provision to net charge-offs | 367.6471% | 876 |
| Earnings coverage of net charge-offs (x) | 53.8162% | 1,074 |
| Efficiency ratio | 75.1781% | 1,533 |
| Assets per employee ($millions) | 3.9151% | 4,032 |
| Cash dividends to net income (ytd only)* | 40.0218% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,357 |
| Loan loss allowance to noncurrent loans | 274.1844% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 2,342 |
| Noncurrent loans to loans | 0.3959% | 3,272 |
| Net loans and leases to total assets | 80.9318% | 866 |
| Net loans and leases to deposits | 99.0573% | 880 |
| Net loans and leases to core deposits | 113.0467% | 833 |
| Total domestic deposits to total assets | 81.7019% | 3,809 |
| Equity capital to assets | 10.3890% | 3,220 |
| Core capital (leverage) ratio | 10.5570% | 2,976 |
| Tier 1 risk-based capital ratio | 11.2736% | 4,912 |
| Total risk-based capital ratio | 12.2322% | 4,959 |
| Memoranda: | ||
| Average total assets | $1,172,899,670 | 654 |
| Average earning assets | $1,091,739,000 | 649 |
| Average equity | $123,323,330 | 697 |
| Average total loans | $972,213,000 | 571 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 4,277 |
| Cost of funding earning assets | 0.6642% | 1,631 |
| Net interest margin | 3.1146% | 4,674 |
| Noninterest income to average assets | 2.1734% | 247 |
| Noninterest expense to average assets | 3.8620% | 621 |
| Loan and lease loss provision to assets | 0.0863% | 2,072 |
| Net operating income to assets | 0.9095% | 3,251 |
| Return on assets (ROA) | 0.9095% | 3,260 |
| Pretax return on assets | 1.1267% | 3,061 |
| Return on Equity (ROE) | 8.5973% | 3,106 |
| Retained earnings to average equity (ytd only) | 3.0486% | 3,984 |
| Net charge-offs to loans | 0.0583% | 1,519 |
| Credit loss provision to net charge-offs | 177.3050% | 1,125 |
| Earnings coverage of net charge-offs (x) | 24.9149% | 1,349 |
| Efficiency ratio | 75.9815% | 1,596 |
| Assets per employee ($millions) | 3.7667% | 4,334 |
| Cash dividends to net income (ytd only)* | 64.5406% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,542 |
| Loan loss allowance to noncurrent loans | 275.0528% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 2,395 |
| Noncurrent loans to loans | 0.3896% | 3,390 |
| Net loans and leases to total assets | 82.9031% | 547 |
| Net loans and leases to deposits | 102.9752% | 536 |
| Net loans and leases to core deposits | 119.4818% | 600 |
| Total domestic deposits to total assets | 80.5079% | 4,321 |
| Equity capital to assets | 10.5760% | 2,997 |
| Core capital (leverage) ratio | 10.7486% | 2,690 |
| Tier 1 risk-based capital ratio | 11.0747% | 5,096 |
| Total risk-based capital ratio | 12.0116% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,158,378,500 | 662 |
| Average earning assets | $1,079,159,500 | 656 |
| Average equity | $122,550,000 | 704 |
| Average total loans | $966,606,000 | 575 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 4,293 |
| Cost of funding earning assets | 0.5411% | 2,021 |
| Net interest margin | 3.1763% | 4,503 |
| Noninterest income to average assets | 2.2906% | 244 |
| Noninterest expense to average assets | 3.9163% | 605 |
| Loan and lease loss provision to assets | 0.0893% | 2,401 |
| Net operating income to assets | 0.7393% | 3,431 |
| Return on assets (ROA) | 0.7393% | 3,473 |
| Pretax return on assets | 1.2224% | 2,673 |
| Return on Equity (ROE) | 6.8840% | 3,337 |
| Retained earnings to average equity (ytd only) | 4.4311% | 2,498 |
| Net charge-offs to loans | 0.0305% | 3,188 |
| Credit loss provision to net charge-offs | 358.4229% | 822 |
| Earnings coverage of net charge-offs (x) | 52.6487% | 1,052 |
| Efficiency ratio | 74.7955% | 1,788 |
| Assets per employee ($millions) | 3.7553% | 4,352 |
| Cash dividends to net income (ytd only)* | 35.6323% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 3,491 |
| Loan loss allowance to noncurrent loans | 317.7196% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 2,401 |
| Noncurrent loans to loans | 0.3377% | 3,554 |
| Net loans and leases to total assets | 82.1958% | 654 |
| Net loans and leases to deposits | 100.8939% | 666 |
| Net loans and leases to core deposits | 110.3838% | 976 |
| Total domestic deposits to total assets | 81.4676% | 4,010 |
| Equity capital to assets | 10.5829% | 3,075 |
| Core capital (leverage) ratio | 10.6753% | 2,670 |
| Tier 1 risk-based capital ratio | 11.1746% | 5,050 |
| Total risk-based capital ratio | 12.1162% | 5,113 |
| Memoranda: | ||
| Average total assets | $1,119,826,600 | 661 |
| Average earning assets | $1,035,612,400 | 654 |
| Average equity | $120,263,800 | 684 |
| Average total loans | $915,932,600 | 582 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 4,373 |
| Cost of funding earning assets | 0.5268% | 2,059 |
| Net interest margin | 3.1535% | 4,572 |
| Noninterest income to average assets | 2.2647% | 253 |
| Noninterest expense to average assets | 3.9567% | 549 |
| Loan and lease loss provision to assets | 0.0900% | 2,271 |
| Net operating income to assets | 0.8191% | 3,441 |
| Return on assets (ROA) | 0.8191% | 3,484 |
| Pretax return on assets | 1.1319% | 3,178 |
| Return on Equity (ROE) | 7.5981% | 3,343 |
| Retained earnings to average equity (ytd only) | 5.2595% | 2,710 |
| Net charge-offs to loans | 0.0262% | 2,914 |
| Credit loss provision to net charge-offs | 421.3483% | 740 |
| Earnings coverage of net charge-offs (x) | 57.1848% | 1,020 |
| Efficiency ratio | 76.2877% | 1,547 |
| Assets per employee ($millions) | 3.6216% | 4,556 |
| Cash dividends to net income (ytd only)* | 30.7782% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,580 |
| Loan loss allowance to noncurrent loans | 214.7295% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 2,174 |
| Noncurrent loans to loans | 0.5051% | 3,185 |
| Net loans and leases to total assets | 81.4952% | 770 |
| Net loans and leases to deposits | 99.0094% | 820 |
| Net loans and leases to core deposits | 108.4102% | 1,123 |
| Total domestic deposits to total assets | 82.3105% | 3,682 |
| Equity capital to assets | 10.7754% | 3,090 |
| Core capital (leverage) ratio | 10.8054% | 2,639 |
| Tier 1 risk-based capital ratio | 11.2443% | 5,109 |
| Total risk-based capital ratio | 12.1842% | 5,173 |
| Memoranda: | ||
| Average total assets | $1,110,628,000 | 669 |
| Average earning assets | $1,026,259,500 | 665 |
| Average equity | $119,728,750 | 689 |
| Average total loans | $904,664,750 | 589 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 4,464 |
| Cost of funding earning assets | 0.5006% | 2,156 |
| Net interest margin | 3.1197% | 4,632 |
| Noninterest income to average assets | 2.2288% | 269 |
| Noninterest expense to average assets | 3.9696% | 545 |
| Loan and lease loss provision to assets | 0.0908% | 2,166 |
| Net operating income to assets | 0.7671% | 3,557 |
| Return on assets (ROA) | 0.7671% | 3,606 |
| Pretax return on assets | 1.0508% | 3,369 |
| Return on Equity (ROE) | 7.1149% | 3,491 |
| Retained earnings to average equity (ytd only) | 4.8420% | 2,816 |
| Net charge-offs to loans | 0.0501% | 2,213 |
| Credit loss provision to net charge-offs | 223.2143% | 1,164 |
| Earnings coverage of net charge-offs (x) | 28.0759% | 1,518 |
| Efficiency ratio | 77.5473% | 1,524 |
| Assets per employee ($millions) | 3.6007% | 4,575 |
| Cash dividends to net income (ytd only)* | 31.9451% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 3,813 |
| Loan loss allowance to noncurrent loans | 196.7099% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 2,276 |
| Noncurrent loans to loans | 0.5374% | 3,145 |
| Net loans and leases to total assets | 81.6708% | 715 |
| Net loans and leases to deposits | 104.4629% | 468 |
| Net loans and leases to core deposits | 110.6696% | 970 |
| Total domestic deposits to total assets | 78.1817% | 4,783 |
| Equity capital to assets | 10.6742% | 3,151 |
| Core capital (leverage) ratio | 10.8762% | 2,531 |
| Tier 1 risk-based capital ratio | 11.0612% | 5,221 |
| Total risk-based capital ratio | 11.9727% | 5,305 |
| Memoranda: | ||
| Average total assets | $1,101,775,670 | 678 |
| Average earning assets | $1,017,987,330 | 673 |
| Average equity | $118,793,000 | 697 |
| Average total loans | $893,915,670 | 600 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5887% | 4,448 |
| Cost of funding earning assets | 0.4761% | 2,293 |
| Net interest margin | 3.1126% | 4,620 |
| Noninterest income to average assets | 2.2399% | 268 |
| Noninterest expense to average assets | 4.0991% | 480 |
| Loan and lease loss provision to assets | 0.0920% | 2,004 |
| Net operating income to assets | 0.6879% | 3,756 |
| Return on assets (ROA) | 0.6879% | 3,793 |
| Pretax return on assets | 0.9255% | 3,676 |
| Return on Equity (ROE) | 6.3472% | 3,743 |
| Retained earnings to average equity (ytd only) | 4.3107% | 3,269 |
| Net charge-offs to loans | 0.0142% | 2,516 |
| Credit loss provision to net charge-offs | 806.4516% | 389 |
| Earnings coverage of net charge-offs (x) | 89.2258% | 596 |
| Efficiency ratio | 79.9914% | 1,384 |
| Assets per employee ($millions) | 3.4852% | 4,804 |
| Cash dividends to net income (ytd only)* | 32.0856% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 3,669 |
| Loan loss allowance to noncurrent loans | 199.3091% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 2,123 |
| Noncurrent loans to loans | 0.5562% | 3,137 |
| Net loans and leases to total assets | 80.4688% | 772 |
| Net loans and leases to deposits | 100.2446% | 601 |
| Net loans and leases to core deposits | 104.1811% | 1,212 |
| Total domestic deposits to total assets | 80.2725% | 4,566 |
| Equity capital to assets | 10.9112% | 2,732 |
| Core capital (leverage) ratio | 11.0071% | 2,353 |
| Tier 1 risk-based capital ratio | 11.3626% | 5,111 |
| Total risk-based capital ratio | 12.3062% | 5,181 |
| Memoranda: | ||
| Average total assets | $1,087,357,000 | 690 |
| Average earning assets | $1,004,935,000 | 686 |
| Average equity | $117,847,500 | 696 |
| Average total loans | $874,250,500 | 611 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 4,253 |
| Cost of funding earning assets | 0.4869% | 2,193 |
| Net interest margin | 3.1995% | 4,454 |
| Noninterest income to average assets | 2.3125% | 282 |
| Noninterest expense to average assets | 4.0554% | 556 |
| Loan and lease loss provision to assets | 0.0757% | 2,840 |
| Net operating income to assets | 0.8159% | 3,232 |
| Return on assets (ROA) | 0.8159% | 3,340 |
| Pretax return on assets | 1.1331% | 2,955 |
| Return on Equity (ROE) | 7.4920% | 3,223 |
| Retained earnings to average equity (ytd only) | 5.4728% | 2,030 |
| Net charge-offs to loans | 0.0222% | 3,597 |
| Credit loss provision to net charge-offs | 430.1075% | 747 |
| Earnings coverage of net charge-offs (x) | 68.6559% | 807 |
| Efficiency ratio | 76.9160% | 1,864 |
| Assets per employee ($millions) | 3.4518% | 4,826 |
| Cash dividends to net income (ytd only)* | 26.9521% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,656 |
| Loan loss allowance to noncurrent loans | 355.0167% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6789% | 2,676 |
| Noncurrent loans to loans | 0.3127% | 4,022 |
| Net loans and leases to total assets | 78.5501% | 1,118 |
| Net loans and leases to deposits | 100.3197% | 651 |
| Net loans and leases to core deposits | 103.6042% | 1,314 |
| Total domestic deposits to total assets | 78.2998% | 4,930 |
| Equity capital to assets | 10.7648% | 2,853 |
| Core capital (leverage) ratio | 10.7585% | 2,581 |
| Tier 1 risk-based capital ratio | 11.5397% | 5,030 |
| Total risk-based capital ratio | 12.4857% | 5,096 |
| Memoranda: | ||
| Average total assets | $1,056,356,400 | 684 |
| Average earning assets | $974,599,800 | 680 |
| Average equity | $115,042,000 | 699 |
| Average total loans | $836,321,000 | 603 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,238 |
| Cost of funding earning assets | 0.4912% | 2,161 |
| Net interest margin | 3.2142% | 4,449 |
| Noninterest income to average assets | 2.3608% | 282 |
| Noninterest expense to average assets | 4.1697% | 495 |
| Loan and lease loss provision to assets | 0.0890% | 2,445 |
| Net operating income to assets | 0.7643% | 3,536 |
| Return on assets (ROA) | 0.7643% | 3,674 |
| Pretax return on assets | 1.0655% | 3,372 |
| Return on Equity (ROE) | 6.9971% | 3,561 |
| Retained earnings to average equity (ytd only) | 4.9891% | 2,839 |
| Net charge-offs to loans | 0.0096% | 3,590 |
| Credit loss provision to net charge-offs | 1,166.6667% | 353 |
| Earnings coverage of net charge-offs (x) | 151.3295% | 457 |
| Efficiency ratio | 78.1965% | 1,665 |
| Assets per employee ($millions) | 3.4414% | 4,853 |
| Cash dividends to net income (ytd only)* | 28.6973% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,601 |
| Loan loss allowance to noncurrent loans | 332.9294% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7019% | 2,806 |
| Noncurrent loans to loans | 0.3428% | 4,027 |
| Net loans and leases to total assets | 77.3107% | 1,307 |
| Net loans and leases to deposits | 96.7713% | 973 |
| Net loans and leases to core deposits | 100.3520% | 1,603 |
| Total domestic deposits to total assets | 79.8901% | 4,534 |
| Equity capital to assets | 10.8416% | 3,209 |
| Core capital (leverage) ratio | 10.8793% | 2,593 |
| Tier 1 risk-based capital ratio | 11.4977% | 5,087 |
| Total risk-based capital ratio | 12.4595% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,048,614,250 | 689 |
| Average earning assets | $966,800,250 | 688 |
| Average equity | $114,540,500 | 703 |
| Average total loans | $829,480,250 | 608 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7336% | 4,176 |
| Cost of funding earning assets | 0.4981% | 2,112 |
| Net interest margin | 3.2354% | 4,422 |
| Noninterest income to average assets | 2.4242% | 264 |
| Noninterest expense to average assets | 4.2009% | 491 |
| Loan and lease loss provision to assets | 0.0962% | 2,232 |
| Net operating income to assets | 0.7907% | 3,353 |
| Return on assets (ROA) | 0.7907% | 3,494 |
| Pretax return on assets | 1.1086% | 3,166 |
| Return on Equity (ROE) | 7.2201% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.1989% | 2,601 |
| Net charge-offs to loans | 0.0242% | 3,000 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 62.6000% | 850 |
| Efficiency ratio | 77.5938% | 1,851 |
| Assets per employee ($millions) | 3.2931% | 5,074 |
| Cash dividends to net income (ytd only)* | 27.9942% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,794 |
| Loan loss allowance to noncurrent loans | 290.8189% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 2,616 |
| Noncurrent loans to loans | 0.3879% | 3,969 |
| Net loans and leases to total assets | 79.4735% | 992 |
| Net loans and leases to deposits | 98.4376% | 846 |
| Net loans and leases to core deposits | 103.5895% | 1,358 |
| Total domestic deposits to total assets | 80.7349% | 4,350 |
| Equity capital to assets | 11.1842% | 2,861 |
| Core capital (leverage) ratio | 10.8743% | 2,560 |
| Tier 1 risk-based capital ratio | 11.5120% | 5,145 |
| Total risk-based capital ratio | 12.4620% | 5,222 |
| Memoranda: | ||
| Average total assets | $1,039,104,000 | 696 |
| Average earning assets | $957,583,330 | 691 |
| Average equity | $113,794,000 | 710 |
| Average total loans | $825,186,000 | 602 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6992% | 4,326 |
| Cost of funding earning assets | 0.4968% | 2,135 |
| Net interest margin | 3.2024% | 4,571 |
| Noninterest income to average assets | 2.3229% | 278 |
| Noninterest expense to average assets | 4.1742% | 503 |
| Loan and lease loss provision to assets | 0.0960% | 2,089 |
| Net operating income to assets | 0.7239% | 3,603 |
| Return on assets (ROA) | 0.7239% | 3,713 |
| Pretax return on assets | 1.0030% | 3,473 |
| Return on Equity (ROE) | 6.6804% | 3,623 |
| Retained earnings to average equity (ytd only) | 4.6462% | 3,152 |
| Net charge-offs to loans | 0.0136% | 2,673 |
| Credit loss provision to net charge-offs | 892.8571% | 407 |
| Earnings coverage of net charge-offs (x) | 102.2143% | 532 |
| Efficiency ratio | 79.0344% | 1,742 |
| Assets per employee ($millions) | 3.3415% | 5,061 |
| Cash dividends to net income (ytd only)* | 30.4509% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 3,960 |
| Loan loss allowance to noncurrent loans | 260.2434% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 2,578 |
| Noncurrent loans to loans | 0.4289% | 3,908 |
| Net loans and leases to total assets | 78.4012% | 1,044 |
| Net loans and leases to deposits | 94.9075% | 1,051 |
| Net loans and leases to core deposits | 101.0990% | 1,400 |
| Total domestic deposits to total assets | 82.6080% | 4,033 |
| Equity capital to assets | 10.9388% | 3,006 |
| Core capital (leverage) ratio | 10.8981% | 2,507 |
| Tier 1 risk-based capital ratio | 11.5224% | 5,226 |
| Total risk-based capital ratio | 12.4690% | 5,294 |
| Memoranda: | ||
| Average total assets | $1,041,640,500 | 696 |
| Average earning assets | $959,668,500 | 693 |
| Average equity | $112,867,000 | 713 |
| Average total loans | $822,200,500 | 600 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 3,934 |
| Cost of funding earning assets | 0.5263% | 1,951 |
| Net interest margin | 3.3087% | 4,264 |
| Noninterest income to average assets | 2.6368% | 251 |
| Noninterest expense to average assets | 4.2911% | 495 |
| Loan and lease loss provision to assets | 0.1103% | 2,155 |
| Net operating income to assets | 0.8587% | 3,072 |
| Return on assets (ROA) | 0.8587% | 3,141 |
| Pretax return on assets | 1.2711% | 2,395 |
| Return on Equity (ROE) | 7.8895% | 3,010 |
| Retained earnings to average equity (ytd only) | 6.6002% | 1,492 |
| Net charge-offs to loans | 0.0850% | 2,619 |
| Credit loss provision to net charge-offs | 164.9175% | 1,631 |
| Earnings coverage of net charge-offs (x) | 20.6627% | 1,864 |
| Efficiency ratio | 75.5296% | 2,348 |
| Assets per employee ($millions) | 3.4344% | 4,926 |
| Cash dividends to net income (ytd only)* | 16.3418% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 4,085 |
| Loan loss allowance to noncurrent loans | 257.0897% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 2,576 |
| Noncurrent loans to loans | 0.4255% | 3,933 |
| Net loans and leases to total assets | 77.7223% | 1,160 |
| Net loans and leases to deposits | 94.5504% | 1,148 |
| Net loans and leases to core deposits | 99.6149% | 1,541 |
| Total domestic deposits to total assets | 82.2020% | 4,113 |
| Equity capital to assets | 10.7327% | 3,097 |
| Core capital (leverage) ratio | 10.6768% | 2,738 |
| Tier 1 risk-based capital ratio | 11.6072% | 5,188 |
| Total risk-based capital ratio | 12.5473% | 5,271 |
| Memoranda: | ||
| Average total assets | $997,714,800 | 690 |
| Average earning assets | $915,379,400 | 689 |
| Average equity | $108,587,400 | 709 |
| Average total loans | $784,890,000 | 591 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 3,951 |
| Cost of funding earning assets | 0.5264% | 1,991 |
| Net interest margin | 3.3205% | 4,258 |
| Noninterest income to average assets | 2.5997% | 254 |
| Noninterest expense to average assets | 4.3060% | 487 |
| Loan and lease loss provision to assets | 0.1082% | 2,075 |
| Net operating income to assets | 0.8445% | 3,194 |
| Return on assets (ROA) | 0.8445% | 3,282 |
| Pretax return on assets | 1.2296% | 2,698 |
| Return on Equity (ROE) | 7.7309% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.4313% | 2,001 |
| Net charge-offs to loans | 0.0993% | 2,154 |
| Credit loss provision to net charge-offs | 138.4083% | 1,787 |
| Earnings coverage of net charge-offs (x) | 17.1176% | 2,075 |
| Efficiency ratio | 76.1775% | 2,219 |
| Assets per employee ($millions) | 3.3943% | 4,995 |
| Cash dividends to net income (ytd only)* | 16.8108% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 4,165 |
| Loan loss allowance to noncurrent loans | 239.8467% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 2,543 |
| Noncurrent loans to loans | 0.4628% | 3,971 |
| Net loans and leases to total assets | 77.7139% | 1,149 |
| Net loans and leases to deposits | 95.0336% | 1,093 |
| Net loans and leases to core deposits | 100.7095% | 1,458 |
| Total domestic deposits to total assets | 81.7752% | 4,234 |
| Equity capital to assets | 10.9799% | 3,050 |
| Core capital (leverage) ratio | 11.0355% | 2,448 |
| Tier 1 risk-based capital ratio | 11.7867% | 5,215 |
| Total risk-based capital ratio | 12.7359% | 5,302 |
| Memoranda: | ||
| Average total assets | $986,127,750 | 706 |
| Average earning assets | $904,028,000 | 700 |
| Average equity | $107,720,250 | 727 |
| Average total loans | $776,001,250 | 603 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 3,880 |
| Cost of funding earning assets | 0.5256% | 2,026 |
| Net interest margin | 3.3232% | 4,202 |
| Noninterest income to average assets | 2.6696% | 249 |
| Noninterest expense to average assets | 4.3213% | 484 |
| Loan and lease loss provision to assets | 0.1225% | 1,802 |
| Net operating income to assets | 0.8699% | 3,045 |
| Return on assets (ROA) | 0.8699% | 3,144 |
| Pretax return on assets | 1.2687% | 2,476 |
| Return on Equity (ROE) | 7.9772% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.8541% | 1,769 |
| Net charge-offs to loans | 0.0122% | 3,490 |
| Credit loss provision to net charge-offs | 1,276.5957% | 282 |
| Earnings coverage of net charge-offs (x) | 145.0213% | 439 |
| Efficiency ratio | 75.5297% | 2,447 |
| Assets per employee ($millions) | 3.2797% | 5,197 |
| Cash dividends to net income (ytd only)* | 14.0779% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 4,075 |
| Loan loss allowance to noncurrent loans | 155.0026% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 2,379 |
| Noncurrent loans to loans | 0.7429% | 3,253 |
| Net loans and leases to total assets | 80.4123% | 750 |
| Net loans and leases to deposits | 97.9703% | 798 |
| Net loans and leases to core deposits | 103.2155% | 1,246 |
| Total domestic deposits to total assets | 82.0782% | 4,272 |
| Equity capital to assets | 11.1818% | 2,687 |
| Core capital (leverage) ratio | 11.0893% | 2,334 |
| Tier 1 risk-based capital ratio | 11.6019% | 5,406 |
| Total risk-based capital ratio | 12.5853% | 5,483 |
| Memoranda: | ||
| Average total assets | $979,934,670 | 713 |
| Average earning assets | $897,262,330 | 709 |
| Average equity | $106,855,000 | 729 |
| Average total loans | $771,481,330 | 606 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7367% | 4,243 |
| Cost of funding earning assets | 0.5264% | 2,042 |
| Net interest margin | 3.2102% | 4,572 |
| Noninterest income to average assets | 2.6060% | 256 |
| Noninterest expense to average assets | 4.2799% | 513 |
| Loan and lease loss provision to assets | 0.1219% | 1,704 |
| Net operating income to assets | 0.7878% | 3,326 |
| Return on assets (ROA) | 0.7878% | 3,459 |
| Pretax return on assets | 1.1376% | 2,917 |
| Return on Equity (ROE) | 7.3165% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.3165% | 1,850 |
| Net charge-offs to loans | 0.0005% | 3,283 |
| Credit loss provision to net charge-offs | 30,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 3,100.0000% | 9 |
| Efficiency ratio | 77.1380% | 2,322 |
| Assets per employee ($millions) | 3.2754% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 4,195 |
| Loan loss allowance to noncurrent loans | 149.0894% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.1171% | 2,397 |
| Noncurrent loans to loans | 0.7792% | 3,304 |
| Net loans and leases to total assets | 77.3192% | 1,017 |
| Net loans and leases to deposits | 94.3807% | 943 |
| Net loans and leases to core deposits | 99.9413% | 1,321 |
| Total domestic deposits to total assets | 81.9227% | 4,534 |
| Equity capital to assets | 11.0144% | 2,952 |
| Core capital (leverage) ratio | 10.9729% | 2,439 |
| Tier 1 risk-based capital ratio | 11.4838% | 5,563 |
| Total risk-based capital ratio | 12.4456% | 5,629 |
| Memoranda: | ||
| Average total assets | $984,506,500 | 708 |
| Average earning assets | $899,628,500 | 704 |
| Average equity | $106,006,500 | 730 |
| Average total loans | $762,357,500 | 609 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 4,236 |
| Cost of funding earning assets | 0.5498% | 2,205 |
| Net interest margin | 3.3230% | 4,501 |
| Noninterest income to average assets | 2.3913% | 253 |
| Noninterest expense to average assets | 4.1990% | 604 |
| Loan and lease loss provision to assets | 0.1561% | 1,682 |
| Net operating income to assets | 0.7365% | 3,703 |
| Return on assets (ROA) | 0.7365% | 3,810 |
| Pretax return on assets | 1.0647% | 3,234 |
| Return on Equity (ROE) | 6.9133% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.3017% | 2,402 |
| Net charge-offs to loans | 0.3633% | 1,199 |
| Credit loss provision to net charge-offs | 55.1876% | 3,374 |
| Earnings coverage of net charge-offs (x) | 4.3164% | 3,686 |
| Efficiency ratio | 77.3793% | 2,294 |
| Assets per employee ($millions) | 3.3656% | 5,136 |
| Cash dividends to net income (ytd only)* | 23.3117% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 4,452 |
| Loan loss allowance to noncurrent loans | 133.7404% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.1338% | 2,492 |
| Noncurrent loans to loans | 0.8363% | 3,222 |
| Net loans and leases to total assets | 75.8042% | 1,296 |
| Net loans and leases to deposits | 91.5606% | 1,336 |
| Net loans and leases to core deposits | 97.0617% | 1,631 |
| Total domestic deposits to total assets | 82.7913% | 4,151 |
| Equity capital to assets | 10.5263% | 3,445 |
| Core capital (leverage) ratio | 10.4642% | 2,988 |
| Tier 1 risk-based capital ratio | 11.8802% | 5,441 |
| Total risk-based capital ratio | 12.8689% | 5,509 |
| Memoranda: | ||
| Average total assets | $961,005,600 | 700 |
| Average earning assets | $875,846,200 | 701 |
| Average equity | $102,382,400 | 713 |
| Average total loans | $748,079,000 | 580 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,347 |
| Cost of funding earning assets | 0.5526% | 2,268 |
| Net interest margin | 3.3032% | 4,594 |
| Noninterest income to average assets | 2.3256% | 274 |
| Noninterest expense to average assets | 4.1948% | 612 |
| Loan and lease loss provision to assets | 0.1575% | 1,582 |
| Net operating income to assets | 0.6970% | 3,954 |
| Return on assets (ROA) | 0.6970% | 4,049 |
| Pretax return on assets | 0.9839% | 3,654 |
| Return on Equity (ROE) | 6.5223% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.5223% | 2,089 |
| Net charge-offs to loans | 0.1467% | 2,325 |
| Credit loss provision to net charge-offs | 137.3626% | 1,702 |
| Earnings coverage of net charge-offs (x) | 9.9536% | 2,600 |
| Efficiency ratio | 78.5227% | 2,108 |
| Assets per employee ($millions) | 3.3127% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 3,592 |
| Loan loss allowance to noncurrent loans | 113.0884% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.4321% | 2,157 |
| Noncurrent loans to loans | 1.1593% | 2,742 |
| Net loans and leases to total assets | 78.0643% | 953 |
| Net loans and leases to deposits | 97.6019% | 760 |
| Net loans and leases to core deposits | 100.3144% | 1,338 |
| Total domestic deposits to total assets | 79.9824% | 5,104 |
| Equity capital to assets | 10.7593% | 3,227 |
| Core capital (leverage) ratio | 10.7028% | 2,814 |
| Tier 1 risk-based capital ratio | 11.8270% | 5,599 |
| Total risk-based capital ratio | 12.9921% | 5,569 |
| Memoranda: | ||
| Average total assets | $952,200,500 | 705 |
| Average earning assets | $867,852,000 | 707 |
| Average equity | $101,761,500 | 714 |
| Average total loans | $744,168,000 | 584 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 4,420 |
| Cost of funding earning assets | 0.5548% | 2,305 |
| Net interest margin | 3.2731% | 4,692 |
| Noninterest income to average assets | 2.3089% | 274 |
| Noninterest expense to average assets | 4.1849% | 611 |
| Loan and lease loss provision to assets | 0.1586% | 1,570 |
| Net operating income to assets | 0.6695% | 3,995 |
| Return on assets (ROA) | 0.6695% | 4,095 |
| Pretax return on assets | 0.9399% | 3,725 |
| Return on Equity (ROE) | 6.2793% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.2793% | 2,166 |
| Net charge-offs to loans | -0.0665% | 5,998 |
| Credit loss provision to net charge-offs | -306.1224% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1413% | 2,148 |
| Assets per employee ($millions) | 3.2858% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 3,361 |
| Loan loss allowance to noncurrent loans | 100.3639% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.5477% | 2,102 |
| Noncurrent loans to loans | 1.3933% | 2,473 |
| Net loans and leases to total assets | 78.2388% | 884 |
| Net loans and leases to deposits | 101.1419% | 500 |
| Net loans and leases to core deposits | 104.3302% | 992 |
| Total domestic deposits to total assets | 77.3555% | 5,747 |
| Equity capital to assets | 10.5989% | 3,313 |
| Core capital (leverage) ratio | 10.8668% | 2,565 |
| Tier 1 risk-based capital ratio | 11.6751% | 5,708 |
| Total risk-based capital ratio | 12.9251% | 5,653 |
| Memoranda: | ||
| Average total assets | $946,062,330 | 708 |
| Average earning assets | $859,723,670 | 708 |
| Average equity | $100,871,670 | 721 |
| Average total loans | $736,300,670 | 588 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 4,500 |
| Cost of funding earning assets | 0.5590% | 2,354 |
| Net interest margin | 3.2367% | 4,788 |
| Noninterest income to average assets | 2.2713% | 271 |
| Noninterest expense to average assets | 4.1244% | 658 |
| Loan and lease loss provision to assets | 0.1605% | 1,516 |
| Net operating income to assets | 0.6729% | 3,832 |
| Return on assets (ROA) | 0.6729% | 3,912 |
| Pretax return on assets | 0.9456% | 3,536 |
| Return on Equity (ROE) | 6.2918% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.2918% | 2,385 |
| Net charge-offs to loans | -0.0889% | 6,075 |
| Credit loss provision to net charge-offs | -234.3750% | 4,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8526% | 2,354 |
| Assets per employee ($millions) | 3.2699% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 3,474 |
| Loan loss allowance to noncurrent loans | 83.7332% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.8575% | 1,867 |
| Noncurrent loans to loans | 1.7048% | 2,280 |
| Net loans and leases to total assets | 77.9240% | 777 |
| Net loans and leases to deposits | 97.1511% | 586 |
| Net loans and leases to core deposits | 100.2284% | 1,085 |
| Total domestic deposits to total assets | 80.2091% | 5,449 |
| Equity capital to assets | 11.0527% | 2,677 |
| Core capital (leverage) ratio | 10.9137% | 2,473 |
| Tier 1 risk-based capital ratio | 12.1718% | 5,527 |
| Total risk-based capital ratio | 13.4220% | 5,454 |
| Memoranda: | ||
| Average total assets | $934,442,000 | 726 |
| Average earning assets | $854,333,500 | 721 |
| Average equity | $99,940,000 | 727 |
| Average total loans | $719,888,000 | 604 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 4,547 |
| Cost of funding earning assets | 0.6311% | 2,376 |
| Net interest margin | 3.2458% | 4,847 |
| Noninterest income to average assets | 2.2464% | 335 |
| Noninterest expense to average assets | 3.9325% | 942 |
| Loan and lease loss provision to assets | 0.2131% | 1,720 |
| Net operating income to assets | 0.7343% | 3,638 |
| Return on assets (ROA) | 0.7350% | 3,713 |
| Pretax return on assets | 1.0875% | 2,995 |
| Return on Equity (ROE) | 7.0042% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.0042% | 1,431 |
| Net charge-offs to loans | 0.2801% | 2,299 |
| Credit loss provision to net charge-offs | 102.5237% | 2,361 |
| Earnings coverage of net charge-offs (x) | 6.2513% | 3,098 |
| Efficiency ratio | 75.1603% | 2,922 |
| Assets per employee ($millions) | 3.4533% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 3,849 |
| Loan loss allowance to noncurrent loans | 103.7415% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.5846% | 2,348 |
| Noncurrent loans to loans | 1.3093% | 2,951 |
| Net loans and leases to total assets | 74.0991% | 1,332 |
| Net loans and leases to deposits | 90.3529% | 1,199 |
| Net loans and leases to core deposits | 92.3768% | 1,754 |
| Total domestic deposits to total assets | 82.0108% | 4,870 |
| Equity capital to assets | 10.3542% | 3,336 |
| Core capital (leverage) ratio | 10.6913% | 2,687 |
| Tier 1 risk-based capital ratio | 12.4950% | 5,294 |
| Total risk-based capital ratio | 13.7313% | 5,252 |
| Memoranda: | ||
| Average total assets | $914,853,000 | 721 |
| Average earning assets | $841,571,200 | 710 |
| Average equity | $96,000,000 | 736 |
| Average total loans | $679,102,400 | 619 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 4,424 |
| Cost of funding earning assets | 0.6440% | 2,418 |
| Net interest margin | 3.2768% | 4,725 |
| Noninterest income to average assets | 2.2400% | 351 |
| Noninterest expense to average assets | 4.0654% | 796 |
| Loan and lease loss provision to assets | 0.2432% | 1,475 |
| Net operating income to assets | 0.6620% | 4,055 |
| Return on assets (ROA) | 0.6629% | 4,189 |
| Pretax return on assets | 0.9461% | 3,704 |
| Return on Equity (ROE) | 6.2956% | 4,027 |
| Retained earnings to average equity (ytd only) | 6.2956% | 2,236 |
| Net charge-offs to loans | 0.1211% | 3,339 |
| Credit loss provision to net charge-offs | 271.3816% | 933 |
| Earnings coverage of net charge-offs (x) | 13.2549% | 2,046 |
| Efficiency ratio | 77.3852% | 2,499 |
| Assets per employee ($millions) | 3.2631% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 3,270 |
| Loan loss allowance to noncurrent loans | 138.8509% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 2,566 |
| Noncurrent loans to loans | 1.1096% | 3,578 |
| Net loans and leases to total assets | 76.3098% | 968 |
| Net loans and leases to deposits | 91.3967% | 1,029 |
| Net loans and leases to core deposits | 93.4853% | 1,621 |
| Total domestic deposits to total assets | 83.4930% | 4,384 |
| Equity capital to assets | 10.7754% | 2,979 |
| Core capital (leverage) ratio | 10.9102% | 2,563 |
| Tier 1 risk-based capital ratio | 12.6629% | 5,353 |
| Total risk-based capital ratio | 13.9150% | 5,293 |
| Memoranda: | ||
| Average total assets | $904,423,250 | 731 |
| Average earning assets | $831,714,500 | 721 |
| Average equity | $95,238,750 | 744 |
| Average total loans | $669,235,250 | 627 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 4,414 |
| Cost of funding earning assets | 0.6429% | 2,562 |
| Net interest margin | 3.2754% | 4,665 |
| Noninterest income to average assets | 2.2374% | 374 |
| Noninterest expense to average assets | 4.0431% | 826 |
| Loan and lease loss provision to assets | 0.2650% | 1,398 |
| Net operating income to assets | 0.6708% | 3,955 |
| Return on assets (ROA) | 0.6722% | 4,111 |
| Pretax return on assets | 0.9487% | 3,720 |
| Return on Equity (ROE) | 6.4330% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.4330% | 2,184 |
| Net charge-offs to loans | 0.0649% | 3,774 |
| Credit loss provision to net charge-offs | 560.7477% | 509 |
| Earnings coverage of net charge-offs (x) | 25.6402% | 1,261 |
| Efficiency ratio | 76.9415% | 2,638 |
| Assets per employee ($millions) | 3.1173% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 3,236 |
| Loan loss allowance to noncurrent loans | 128.4274% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.7625% | 2,471 |
| Noncurrent loans to loans | 1.2278% | 3,501 |
| Net loans and leases to total assets | 76.7799% | 893 |
| Net loans and leases to deposits | 92.2534% | 938 |
| Net loans and leases to core deposits | 94.3827% | 1,488 |
| Total domestic deposits to total assets | 83.2271% | 4,617 |
| Equity capital to assets | 10.9664% | 2,785 |
| Core capital (leverage) ratio | 10.8480% | 2,503 |
| Tier 1 risk-based capital ratio | 13.0453% | 5,107 |
| Total risk-based capital ratio | 14.2980% | 5,050 |
| Memoranda: | ||
| Average total assets | $905,691,330 | 731 |
| Average earning assets | $834,342,670 | 719 |
| Average equity | $94,636,670 | 744 |
| Average total loans | $659,642,000 | 633 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 4,455 |
| Cost of funding earning assets | 0.6330% | 2,816 |
| Net interest margin | 3.2707% | 4,627 |
| Noninterest income to average assets | 2.1605% | 390 |
| Noninterest expense to average assets | 3.9226% | 969 |
| Loan and lease loss provision to assets | 0.2923% | 1,199 |
| Net operating income to assets | 0.6756% | 3,809 |
| Return on assets (ROA) | 0.6756% | 3,970 |
| Pretax return on assets | 0.9575% | 3,539 |
| Return on Equity (ROE) | 6.6195% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.6195% | 2,354 |
| Net charge-offs to loans | 0.1310% | 2,617 |
| Credit loss provision to net charge-offs | 316.9014% | 764 |
| Earnings coverage of net charge-offs (x) | 13.5493% | 1,523 |
| Efficiency ratio | 75.8372% | 2,951 |
| Assets per employee ($millions) | 3.2572% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 3,523 |
| Loan loss allowance to noncurrent loans | 114.7012% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.8643% | 2,522 |
| Noncurrent loans to loans | 1.3692% | 3,512 |
| Net loans and leases to total assets | 72.7762% | 1,235 |
| Net loans and leases to deposits | 87.3289% | 1,209 |
| Net loans and leases to core deposits | 89.5351% | 1,748 |
| Total domestic deposits to total assets | 83.3358% | 4,741 |
| Equity capital to assets | 10.8427% | 3,156 |
| Core capital (leverage) ratio | 10.5036% | 2,768 |
| Tier 1 risk-based capital ratio | 13.1579% | 5,097 |
| Total risk-based capital ratio | 14.4102% | 5,051 |
| Memoranda: | ||
| Average total assets | $923,677,000 | 726 |
| Average earning assets | $850,574,000 | 712 |
| Average equity | $94,266,500 | 759 |
| Average total loans | $650,229,000 | 644 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 4,433 |
| Cost of funding earning assets | 0.7239% | 3,295 |
| Net interest margin | 3.5172% | 4,430 |
| Noninterest income to average assets | 2.2795% | 358 |
| Noninterest expense to average assets | 3.8793% | 1,119 |
| Loan and lease loss provision to assets | 0.5023% | 1,183 |
| Net operating income to assets | 0.7186% | 3,647 |
| Return on assets (ROA) | 0.7186% | 3,904 |
| Pretax return on assets | 1.1209% | 3,078 |
| Return on Equity (ROE) | 6.9851% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.9851% | 1,572 |
| Net charge-offs to loans | 0.9980% | 1,097 |
| Credit loss provision to net charge-offs | 69.5373% | 4,184 |
| Earnings coverage of net charge-offs (x) | 2.2471% | 4,295 |
| Efficiency ratio | 70.5004% | 3,714 |
| Assets per employee ($millions) | 3.6103% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 3,795 |
| Loan loss allowance to noncurrent loans | 86.7840% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.9626% | 2,493 |
| Noncurrent loans to loans | 1.7148% | 3,040 |
| Net loans and leases to total assets | 66.2004% | 2,498 |
| Net loans and leases to deposits | 77.1639% | 2,632 |
| Net loans and leases to core deposits | 78.8059% | 3,161 |
| Total domestic deposits to total assets | 85.7919% | 3,463 |
| Equity capital to assets | 9.6307% | 4,690 |
| Core capital (leverage) ratio | 10.2240% | 3,104 |
| Tier 1 risk-based capital ratio | 12.8388% | 5,222 |
| Total risk-based capital ratio | 14.0901% | 5,160 |
| Memoranda: | ||
| Average total assets | $882,509,600 | 746 |
| Average earning assets | $808,677,400 | 735 |
| Average equity | $90,793,400 | 767 |
| Average total loans | $638,766,000 | 650 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 3,991 |
| Cost of funding earning assets | 0.7484% | 3,367 |
| Net interest margin | 3.6663% | 3,937 |
| Noninterest income to average assets | 2.3223% | 339 |
| Noninterest expense to average assets | 3.9775% | 962 |
| Loan and lease loss provision to assets | 0.5475% | 1,067 |
| Net operating income to assets | 0.7826% | 3,540 |
| Return on assets (ROA) | 0.7826% | 3,783 |
| Pretax return on assets | 1.1573% | 3,140 |
| Return on Equity (ROE) | 7.4722% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.4722% | 1,865 |
| Net charge-offs to loans | 0.8775% | 1,249 |
| Credit loss provision to net charge-offs | 84.5013% | 3,479 |
| Earnings coverage of net charge-offs (x) | 2.6312% | 3,984 |
| Efficiency ratio | 69.9975% | 3,683 |
| Assets per employee ($millions) | 3.2766% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7659% | 2,914 |
| Loan loss allowance to noncurrent loans | 92.3787% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 2.4281% | 2,183 |
| Noncurrent loans to loans | 1.9116% | 2,949 |
| Net loans and leases to total assets | 70.7780% | 1,765 |
| Net loans and leases to deposits | 84.9338% | 1,740 |
| Net loans and leases to core deposits | 86.9156% | 2,353 |
| Total domestic deposits to total assets | 83.3331% | 4,507 |
| Equity capital to assets | 10.6986% | 3,610 |
| Core capital (leverage) ratio | 10.5172% | 2,896 |
| Tier 1 risk-based capital ratio | 13.4107% | 4,941 |
| Total risk-based capital ratio | 14.6653% | 4,893 |
| Memoranda: | ||
| Average total assets | $860,346,000 | 769 |
| Average earning assets | $788,499,750 | 757 |
| Average equity | $90,109,250 | 776 |
| Average total loans | $635,301,000 | 655 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 3,762 |
| Cost of funding earning assets | 0.7574% | 3,541 |
| Net interest margin | 3.7434% | 3,622 |
| Noninterest income to average assets | 2.3105% | 326 |
| Noninterest expense to average assets | 3.9290% | 1,040 |
| Loan and lease loss provision to assets | 0.5829% | 1,032 |
| Net operating income to assets | 0.8240% | 3,280 |
| Return on assets (ROA) | 0.8240% | 3,541 |
| Pretax return on assets | 1.2262% | 2,819 |
| Return on Equity (ROE) | 7.9241% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.9241% | 1,669 |
| Net charge-offs to loans | 1.2773% | 840 |
| Credit loss provision to net charge-offs | 61.3030% | 3,766 |
| Earnings coverage of net charge-offs (x) | 1.9025% | 4,025 |
| Efficiency ratio | 68.4727% | 4,048 |
| Assets per employee ($millions) | 3.3308% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 3,615 |
| Loan loss allowance to noncurrent loans | 118.4201% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 2.1838% | 2,557 |
| Noncurrent loans to loans | 1.3489% | 3,903 |
| Net loans and leases to total assets | 71.6587% | 1,613 |
| Net loans and leases to deposits | 85.5965% | 1,649 |
| Net loans and leases to core deposits | 87.3928% | 2,266 |
| Total domestic deposits to total assets | 83.7168% | 4,433 |
| Equity capital to assets | 10.5001% | 3,690 |
| Core capital (leverage) ratio | 10.3988% | 2,921 |
| Tier 1 risk-based capital ratio | 13.0577% | 5,145 |
| Total risk-based capital ratio | 14.3105% | 5,123 |
| Memoranda: | ||
| Average total assets | $858,784,000 | 772 |
| Average earning assets | $786,333,670 | 765 |
| Average equity | $89,297,000 | 777 |
| Average total loans | $639,315,330 | 651 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 3,707 |
| Cost of funding earning assets | 0.7669% | 3,722 |
| Net interest margin | 3.7851% | 3,462 |
| Noninterest income to average assets | 2.2835% | 336 |
| Noninterest expense to average assets | 3.8107% | 1,202 |
| Loan and lease loss provision to assets | 0.4210% | 1,496 |
| Net operating income to assets | 1.0080% | 2,452 |
| Return on assets (ROA) | 1.0080% | 2,640 |
| Pretax return on assets | 1.5192% | 1,825 |
| Return on Equity (ROE) | 9.7423% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.7423% | 1,340 |
| Net charge-offs to loans | 0.9030% | 1,136 |
| Credit loss provision to net charge-offs | 61.9408% | 3,074 |
| Earnings coverage of net charge-offs (x) | 2.8548% | 3,038 |
| Efficiency ratio | 66.2627% | 4,511 |
| Assets per employee ($millions) | 3.2422% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 3,229 |
| Loan loss allowance to noncurrent loans | 75.9666% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 2.8947% | 2,005 |
| Noncurrent loans to loans | 2.2779% | 2,824 |
| Net loans and leases to total assets | 74.2130% | 1,029 |
| Net loans and leases to deposits | 89.5704% | 999 |
| Net loans and leases to core deposits | 92.3006% | 1,624 |
| Total domestic deposits to total assets | 82.8544% | 4,987 |
| Equity capital to assets | 10.5395% | 3,441 |
| Core capital (leverage) ratio | 10.4286% | 2,838 |
| Tier 1 risk-based capital ratio | 12.6927% | 5,452 |
| Total risk-based capital ratio | 13.9471% | 5,408 |
| Memoranda: | ||
| Average total assets | $855,174,000 | 777 |
| Average earning assets | $783,391,000 | 766 |
| Average equity | $88,480,000 | 783 |
| Average total loans | $643,652,500 | 645 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 3,297 |
| Cost of funding earning assets | 0.8821% | 4,240 |
| Net interest margin | 4.0305% | 2,731 |
| Noninterest income to average assets | 1.9337% | 395 |
| Noninterest expense to average assets | 3.9406% | 1,130 |
| Loan and lease loss provision to assets | 0.5183% | 2,027 |
| Net operating income to assets | 1.5034% | 819 |
| Return on assets (ROA) | 1.5034% | 889 |
| Pretax return on assets | 1.1708% | 2,575 |
| Return on Equity (ROE) | 14.0342% | 922 |
| Retained earnings to average equity (ytd only) | 1.8817% | 4,866 |
| Net charge-offs to loans | 0.6812% | 2,453 |
| Credit loss provision to net charge-offs | 97.7818% | 3,677 |
| Earnings coverage of net charge-offs (x) | 3.1865% | 3,621 |
| Efficiency ratio | 69.9964% | 3,962 |
| Assets per employee ($millions) | 3.3761% | 5,312 |
| Cash dividends to net income (ytd only)* | 86.5922% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 2,855 |
| Loan loss allowance to noncurrent loans | 81.7939% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 2.8589% | 2,111 |
| Noncurrent loans to loans | 2.2063% | 2,941 |
| Net loans and leases to total assets | 73.6612% | 1,332 |
| Net loans and leases to deposits | 88.4808% | 1,323 |
| Net loans and leases to core deposits | 92.0145% | 1,885 |
| Total domestic deposits to total assets | 83.2510% | 4,644 |
| Equity capital to assets | 10.1560% | 3,966 |
| Core capital (leverage) ratio | 9.8799% | 3,482 |
| Tier 1 risk-based capital ratio | 12.0893% | 5,768 |
| Total risk-based capital ratio | 13.3444% | 5,744 |
| Memoranda: | ||
| Average total assets | $833,460,400 | 783 |
| Average earning assets | $764,276,600 | 776 |
| Average equity | $89,281,800 | 756 |
| Average total loans | $648,552,600 | 636 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9704% | 3,245 |
| Cost of funding earning assets | 0.8996% | 4,400 |
| Net interest margin | 4.0707% | 2,596 |
| Noninterest income to average assets | 1.9248% | 406 |
| Noninterest expense to average assets | 3.9478% | 1,078 |
| Loan and lease loss provision to assets | 0.5226% | 1,894 |
| Net operating income to assets | 1.7417% | 577 |
| Return on assets (ROA) | 1.7417% | 635 |
| Pretax return on assets | 1.1905% | 2,666 |
| Return on Equity (ROE) | 16.0422% | 682 |
| Retained earnings to average equity (ytd only) | 14.7794% | 245 |
| Net charge-offs to loans | 0.6025% | 2,450 |
| Credit loss provision to net charge-offs | 110.4294% | 2,987 |
| Earnings coverage of net charge-offs (x) | 3.6200% | 3,366 |
| Efficiency ratio | 69.7373% | 3,995 |
| Assets per employee ($millions) | 3.3433% | 5,379 |
| Cash dividends to net income (ytd only)* | 7.8719% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 2,660 |
| Loan loss allowance to noncurrent loans | 62.2541% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 3.3689% | 1,883 |
| Noncurrent loans to loans | 3.0282% | 2,287 |
| Net loans and leases to total assets | 73.9014% | 1,335 |
| Net loans and leases to deposits | 89.6116% | 1,259 |
| Net loans and leases to core deposits | 93.4697% | 1,835 |
| Total domestic deposits to total assets | 82.4685% | 4,894 |
| Equity capital to assets | 11.2930% | 2,871 |
| Core capital (leverage) ratio | 11.2736% | 2,177 |
| Tier 1 risk-based capital ratio | 13.2984% | 4,878 |
| Total risk-based capital ratio | 14.5541% | 4,847 |
| Memoranda: | ||
| Average total assets | $826,602,250 | 797 |
| Average earning assets | $758,666,250 | 786 |
| Average equity | $89,744,250 | 755 |
| Average total loans | $649,241,250 | 644 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 3,225 |
| Cost of funding earning assets | 0.9113% | 4,574 |
| Net interest margin | 4.0750% | 2,513 |
| Noninterest income to average assets | 1.9329% | 381 |
| Noninterest expense to average assets | 3.9769% | 1,086 |
| Loan and lease loss provision to assets | 0.5274% | 1,850 |
| Net operating income to assets | 1.0277% | 2,114 |
| Return on assets (ROA) | 1.0277% | 2,209 |
| Pretax return on assets | 1.1703% | 2,598 |
| Return on Equity (ROE) | 9.5994% | 2,267 |
| Retained earnings to average equity (ytd only) | 7.6608% | 1,596 |
| Net charge-offs to loans | 0.9690% | 1,619 |
| Credit loss provision to net charge-offs | 68.3328% | 4,101 |
| Earnings coverage of net charge-offs (x) | 2.1996% | 3,737 |
| Efficiency ratio | 70.0818% | 4,109 |
| Assets per employee ($millions) | 3.1724% | 5,694 |
| Cash dividends to net income (ytd only)* | 20.1948% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 3,463 |
| Loan loss allowance to noncurrent loans | 57.8135% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 3.5592% | 1,839 |
| Noncurrent loans to loans | 2.8687% | 2,549 |
| Net loans and leases to total assets | 78.1903% | 753 |
| Net loans and leases to deposits | 95.7633% | 742 |
| Net loans and leases to core deposits | 100.0519% | 1,336 |
| Total domestic deposits to total assets | 81.6495% | 5,298 |
| Equity capital to assets | 10.9465% | 3,016 |
| Core capital (leverage) ratio | 10.7303% | 2,493 |
| Tier 1 risk-based capital ratio | 12.5015% | 5,345 |
| Total risk-based capital ratio | 13.7550% | 5,318 |
| Memoranda: | ||
| Average total assets | $819,073,670 | 815 |
| Average earning assets | $752,105,670 | 807 |
| Average equity | $87,692,670 | 767 |
| Average total loans | $652,448,330 | 653 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 3,181 |
| Cost of funding earning assets | 0.9050% | 4,879 |
| Net interest margin | 4.0773% | 2,352 |
| Noninterest income to average assets | 1.8851% | 396 |
| Noninterest expense to average assets | 3.9978% | 1,036 |
| Loan and lease loss provision to assets | 0.5262% | 1,650 |
| Net operating income to assets | 1.0607% | 1,974 |
| Return on assets (ROA) | 1.0607% | 2,023 |
| Pretax return on assets | 1.1060% | 2,735 |
| Return on Equity (ROE) | 10.0189% | 2,086 |
| Retained earnings to average equity (ytd only) | 6.1071% | 2,571 |
| Net charge-offs to loans | 0.8604% | 1,536 |
| Credit loss provision to net charge-offs | 76.7045% | 3,223 |
| Earnings coverage of net charge-offs (x) | 2.3793% | 3,130 |
| Efficiency ratio | 71.0082% | 4,057 |
| Assets per employee ($millions) | 3.2430% | 5,606 |
| Cash dividends to net income (ytd only)* | 39.0446% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 3,208 |
| Loan loss allowance to noncurrent loans | 68.7406% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 3.3028% | 2,075 |
| Noncurrent loans to loans | 2.5325% | 2,951 |
| Net loans and leases to total assets | 78.5894% | 668 |
| Net loans and leases to deposits | 98.9823% | 524 |
| Net loans and leases to core deposits | 103.9241% | 1,066 |
| Total domestic deposits to total assets | 79.3975% | 6,085 |
| Equity capital to assets | 10.6676% | 3,021 |
| Core capital (leverage) ratio | 10.5930% | 2,513 |
| Tier 1 risk-based capital ratio | 12.1644% | 5,538 |
| Total risk-based capital ratio | 13.4191% | 5,531 |
| Memoranda: | ||
| Average total assets | $820,959,500 | 821 |
| Average earning assets | $754,030,500 | 812 |
| Average equity | $86,915,500 | 767 |
| Average total loans | $654,553,500 | 656 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 4,244 |
| Cost of funding earning assets | 1.1321% | 4,955 |
| Net interest margin | 3.9362% | 3,316 |
| Noninterest income to average assets | 2.1382% | 358 |
| Noninterest expense to average assets | 3.8583% | 1,378 |
| Loan and lease loss provision to assets | 0.9789% | 1,653 |
| Net operating income to assets | 0.8861% | 2,443 |
| Return on assets (ROA) | 0.8862% | 2,576 |
| Pretax return on assets | 0.9204% | 3,197 |
| Return on Equity (ROE) | 8.8074% | 2,374 |
| Retained earnings to average equity (ytd only) | 8.8074% | 750 |
| Net charge-offs to loans | 1.0415% | 2,119 |
| Credit loss provision to net charge-offs | 117.4480% | 3,638 |
| Earnings coverage of net charge-offs (x) | 2.2786% | 4,013 |
| Efficiency ratio | 67.0138% | 4,762 |
| Assets per employee ($millions) | 3.2726% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 2,861 |
| Loan loss allowance to noncurrent loans | 70.3207% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 3.3365% | 2,114 |
| Noncurrent loans to loans | 2.5598% | 2,972 |
| Net loans and leases to total assets | 78.0484% | 938 |
| Net loans and leases to deposits | 97.0998% | 777 |
| Net loans and leases to core deposits | 101.3500% | 1,507 |
| Total domestic deposits to total assets | 80.3796% | 5,727 |
| Equity capital to assets | 10.5067% | 3,148 |
| Core capital (leverage) ratio | 10.1800% | 2,889 |
| Tier 1 risk-based capital ratio | 11.9655% | 5,502 |
| Total risk-based capital ratio | 13.2207% | 5,481 |
| Memoranda: | ||
| Average total assets | $818,992,600 | 826 |
| Average earning assets | $753,040,200 | 810 |
| Average equity | $82,408,000 | 799 |
| Average total loans | $655,372,800 | 667 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 4,637 |
| Cost of funding earning assets | 1.1773% | 4,995 |
| Net interest margin | 3.8606% | 3,708 |
| Noninterest income to average assets | 1.8462% | 430 |
| Noninterest expense to average assets | 3.8620% | 1,257 |
| Loan and lease loss provision to assets | 0.9192% | 1,641 |
| Net operating income to assets | 0.5942% | 3,897 |
| Return on assets (ROA) | 0.5943% | 4,057 |
| Pretax return on assets | 0.6152% | 4,549 |
| Return on Equity (ROE) | 5.9728% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.9728% | 2,371 |
| Net charge-offs to loans | 0.9624% | 2,076 |
| Credit loss provision to net charge-offs | 119.1552% | 3,469 |
| Earnings coverage of net charge-offs (x) | 1.9888% | 4,227 |
| Efficiency ratio | 71.5687% | 3,788 |
| Assets per employee ($millions) | 3.1941% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 2,952 |
| Loan loss allowance to noncurrent loans | 53.4960% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 3.6312% | 1,961 |
| Noncurrent loans to loans | 3.2835% | 2,413 |
| Net loans and leases to total assets | 79.0664% | 875 |
| Net loans and leases to deposits | 96.9663% | 888 |
| Net loans and leases to core deposits | 102.0577% | 1,650 |
| Total domestic deposits to total assets | 81.5401% | 5,185 |
| Equity capital to assets | 10.3413% | 3,714 |
| Core capital (leverage) ratio | 10.0681% | 3,183 |
| Tier 1 risk-based capital ratio | 11.5001% | 5,936 |
| Total risk-based capital ratio | 12.7549% | 5,917 |
| Memoranda: | ||
| Average total assets | $818,383,000 | 829 |
| Average earning assets | $752,551,000 | 815 |
| Average equity | $81,433,750 | 811 |
| Average total loans | $655,999,500 | 665 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0129% | 4,888 |
| Cost of funding earning assets | 1.2381% | 4,908 |
| Net interest margin | 3.7748% | 4,023 |
| Noninterest income to average assets | 1.7399% | 436 |
| Noninterest expense to average assets | 3.8085% | 1,348 |
| Loan and lease loss provision to assets | 1.1373% | 1,265 |
| Net operating income to assets | 0.2547% | 5,358 |
| Return on assets (ROA) | 0.2549% | 5,497 |
| Pretax return on assets | 0.2639% | 5,616 |
| Return on Equity (ROE) | 2.5951% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.5951% | 4,490 |
| Net charge-offs to loans | 1.2736% | 1,495 |
| Credit loss provision to net charge-offs | 111.5440% | 3,633 |
| Earnings coverage of net charge-offs (x) | 1.3740% | 4,455 |
| Efficiency ratio | 73.1079% | 3,640 |
| Assets per employee ($millions) | 3.1075% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 3,119 |
| Loan loss allowance to noncurrent loans | 50.3694% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 3.8858% | 1,782 |
| Noncurrent loans to loans | 3.3544% | 2,382 |
| Net loans and leases to total assets | 81.4144% | 611 |
| Net loans and leases to deposits | 100.1223% | 713 |
| Net loans and leases to core deposits | 105.1804% | 1,519 |
| Total domestic deposits to total assets | 81.3149% | 5,284 |
| Equity capital to assets | 10.2847% | 3,669 |
| Core capital (leverage) ratio | 9.6704% | 3,577 |
| Tier 1 risk-based capital ratio | 11.0670% | 6,163 |
| Total risk-based capital ratio | 12.3210% | 6,154 |
| Memoranda: | ||
| Average total assets | $820,744,330 | 829 |
| Average earning assets | $754,373,330 | 817 |
| Average equity | $80,612,000 | 812 |
| Average total loans | $657,021,330 | 668 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 5,408 |
| Cost of funding earning assets | 1.3258% | 4,649 |
| Net interest margin | 3.5848% | 4,793 |
| Noninterest income to average assets | 1.6512% | 465 |
| Noninterest expense to average assets | 3.7458% | 1,420 |
| Loan and lease loss provision to assets | 1.0960% | 1,120 |
| Net operating income to assets | 0.1004% | 6,020 |
| Return on assets (ROA) | 0.1009% | 6,123 |
| Pretax return on assets | 0.1057% | 6,118 |
| Return on Equity (ROE) | 1.0507% | 6,103 |
| Retained earnings to average equity (ytd only) | 1.0507% | 5,393 |
| Net charge-offs to loans | 1.6438% | 1,060 |
| Credit loss provision to net charge-offs | 84.6694% | 3,780 |
| Earnings coverage of net charge-offs (x) | 0.9280% | 4,218 |
| Efficiency ratio | 75.7177% | 3,270 |
| Assets per employee ($millions) | 3.2003% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,731 |
| Loan loss allowance to noncurrent loans | 41.4732% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 3.9989% | 1,716 |
| Noncurrent loans to loans | 3.6990% | 2,153 |
| Net loans and leases to total assets | 80.1144% | 831 |
| Net loans and leases to deposits | 95.9566% | 1,115 |
| Net loans and leases to core deposits | 98.5519% | 2,287 |
| Total domestic deposits to total assets | 83.4902% | 4,389 |
| Equity capital to assets | 9.8794% | 4,021 |
| Core capital (leverage) ratio | 9.2017% | 4,224 |
| Tier 1 risk-based capital ratio | 10.7270% | 6,410 |
| Total risk-based capital ratio | 11.9790% | 6,399 |
| Memoranda: | ||
| Average total assets | $836,462,500 | 828 |
| Average earning assets | $769,019,000 | 816 |
| Average equity | $80,329,000 | 822 |
| Average total loans | $658,705,000 | 685 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 6,659 |
| Cost of funding earning assets | 1.7452% | 4,274 |
| Net interest margin | 3.1782% | 6,163 |
| Noninterest income to average assets | 1.7003% | 503 |
| Noninterest expense to average assets | 3.4126% | 2,634 |
| Loan and lease loss provision to assets | 0.6963% | 3,034 |
| Net operating income to assets | 0.4997% | 3,733 |
| Return on assets (ROA) | 0.4997% | 3,827 |
| Pretax return on assets | 0.5216% | 4,127 |
| Return on Equity (ROE) | 5.7092% | 3,332 |
| Retained earnings to average equity (ytd only) | 2.9125% | 3,129 |
| Net charge-offs to loans | 0.5622% | 3,533 |
| Credit loss provision to net charge-offs | 161.7725% | 2,733 |
| Earnings coverage of net charge-offs (x) | 2.8296% | 3,675 |
| Efficiency ratio | 73.6986% | 3,960 |
| Assets per employee ($millions) | 3.3995% | 5,261 |
| Cash dividends to net income (ytd only)* | 48.9861% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 3,242 |
| Loan loss allowance to noncurrent loans | 35.5925% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 4.7956% | 1,311 |
| Noncurrent loans to loans | 4.5229% | 1,574 |
| Net loans and leases to total assets | 75.0507% | 2,013 |
| Net loans and leases to deposits | 90.7120% | 2,101 |
| Net loans and leases to core deposits | 106.3998% | 3,290 |
| Total domestic deposits to total assets | 82.7352% | 4,644 |
| Equity capital to assets | 9.3426% | 4,645 |
| Core capital (leverage) ratio | 8.6717% | 4,973 |
| Tier 1 risk-based capital ratio | 10.6176% | 6,283 |
| Total risk-based capital ratio | 11.8702% | 6,254 |
| Memoranda: | ||
| Average total assets | $878,254,600 | 770 |
| Average earning assets | $809,702,400 | 750 |
| Average equity | $76,876,000 | 842 |
| Average total loans | $672,301,200 | 694 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9552% | 6,749 |
| Cost of funding earning assets | 1.8130% | 4,324 |
| Net interest margin | 3.1422% | 6,203 |
| Noninterest income to average assets | 1.7026% | 507 |
| Noninterest expense to average assets | 3.4797% | 2,331 |
| Loan and lease loss provision to assets | 0.6067% | 2,963 |
| Net operating income to assets | 0.4967% | 4,000 |
| Return on assets (ROA) | 0.4967% | 4,094 |
| Pretax return on assets | 0.5185% | 4,458 |
| Return on Equity (ROE) | 5.7695% | 3,620 |
| Retained earnings to average equity (ytd only) | 1.9980% | 4,207 |
| Net charge-offs to loans | 0.4114% | 3,616 |
| Credit loss provision to net charge-offs | 192.4772% | 2,350 |
| Earnings coverage of net charge-offs (x) | 3.5697% | 3,475 |
| Efficiency ratio | 75.5658% | 3,579 |
| Assets per employee ($millions) | 3.4563% | 5,034 |
| Cash dividends to net income (ytd only)* | 65.3696% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 3,232 |
| Loan loss allowance to noncurrent loans | 31.1601% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 4.6978% | 1,275 |
| Noncurrent loans to loans | 4.9396% | 1,355 |
| Net loans and leases to total assets | 74.2948% | 2,442 |
| Net loans and leases to deposits | 89.1194% | 2,765 |
| Net loans and leases to core deposits | 106.6653% | 3,627 |
| Total domestic deposits to total assets | 83.3655% | 4,031 |
| Equity capital to assets | 9.1250% | 5,296 |
| Core capital (leverage) ratio | 8.6111% | 5,291 |
| Tier 1 risk-based capital ratio | 10.4849% | 6,485 |
| Total risk-based capital ratio | 11.7368% | 6,435 |
| Memoranda: | ||
| Average total assets | $882,803,000 | 775 |
| Average earning assets | $815,412,250 | 760 |
| Average equity | $76,007,000 | 862 |
| Average total loans | $676,365,750 | 707 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9919% | 6,801 |
| Cost of funding earning assets | 1.9214% | 4,155 |
| Net interest margin | 3.0705% | 6,334 |
| Noninterest income to average assets | 1.7631% | 472 |
| Noninterest expense to average assets | 3.4260% | 2,550 |
| Loan and lease loss provision to assets | 0.6491% | 2,487 |
| Net operating income to assets | 0.5007% | 4,087 |
| Return on assets (ROA) | 0.5007% | 4,209 |
| Pretax return on assets | 0.5230% | 4,547 |
| Return on Equity (ROE) | 5.9322% | 3,685 |
| Retained earnings to average equity (ytd only) | 1.1158% | 4,712 |
| Net charge-offs to loans | 0.2276% | 4,074 |
| Credit loss provision to net charge-offs | 370.3608% | 1,254 |
| Earnings coverage of net charge-offs (x) | 6.6881% | 2,565 |
| Efficiency ratio | 74.5088% | 3,953 |
| Assets per employee ($millions) | 3.4174% | 5,027 |
| Cash dividends to net income (ytd only)* | 81.1908% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,007 |
| Loan loss allowance to noncurrent loans | 35.9659% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 4.0876% | 1,431 |
| Noncurrent loans to loans | 4.2693% | 1,543 |
| Net loans and leases to total assets | 75.6738% | 2,262 |
| Net loans and leases to deposits | 90.9391% | 2,668 |
| Net loans and leases to core deposits | 110.4879% | 3,329 |
| Total domestic deposits to total assets | 83.2137% | 4,143 |
| Equity capital to assets | 8.5786% | 5,931 |
| Core capital (leverage) ratio | 8.1326% | 6,107 |
| Tier 1 risk-based capital ratio | 9.8037% | 7,135 |
| Total risk-based capital ratio | 11.0555% | 7,076 |
| Memoranda: | ||
| Average total assets | $885,585,670 | 795 |
| Average earning assets | $817,650,330 | 778 |
| Average equity | $74,744,670 | 889 |
| Average total loans | $681,877,330 | 725 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 6,911 |
| Cost of funding earning assets | 2.0235% | 4,016 |
| Net interest margin | 2.9839% | 6,522 |
| Noninterest income to average assets | 1.8519% | 406 |
| Noninterest expense to average assets | 3.3748% | 2,433 |
| Loan and lease loss provision to assets | 0.7179% | 1,785 |
| Net operating income to assets | 0.4885% | 4,476 |
| Return on assets (ROA) | 0.4885% | 4,667 |
| Pretax return on assets | 0.5114% | 5,053 |
| Return on Equity (ROE) | 5.8344% | 4,101 |
| Retained earnings to average equity (ytd only) | -1.1368% | 5,922 |
| Net charge-offs to loans | 0.2307% | 3,251 |
| Credit loss provision to net charge-offs | 403.7879% | 1,290 |
| Earnings coverage of net charge-offs (x) | 6.9141% | 2,418 |
| Efficiency ratio | 73.3008% | 3,947 |
| Assets per employee ($millions) | 3.4972% | 4,834 |
| Cash dividends to net income (ytd only)* | 119.4853% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 3,534 |
| Loan loss allowance to noncurrent loans | 38.5597% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 3.5569% | 1,502 |
| Noncurrent loans to loans | 3.6129% | 1,742 |
| Net loans and leases to total assets | 74.8370% | 2,545 |
| Net loans and leases to deposits | 92.3259% | 2,540 |
| Net loans and leases to core deposits | 112.4161% | 3,176 |
| Total domestic deposits to total assets | 81.0574% | 4,946 |
| Equity capital to assets | 8.3536% | 6,308 |
| Core capital (leverage) ratio | 8.0469% | 6,388 |
| Tier 1 risk-based capital ratio | 9.6398% | 7,298 |
| Total risk-based capital ratio | 10.8901% | 7,232 |
| Memoranda: | ||
| Average total assets | $890,957,000 | 792 |
| Average earning assets | $821,749,500 | 776 |
| Average equity | $74,592,500 | 895 |
| Average total loans | $686,640,500 | 726 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7483% | 6,607 |
| Cost of funding earning assets | 2.5051% | 4,181 |
| Net interest margin | 3.2431% | 6,230 |
| Noninterest income to average assets | 1.6404% | 514 |
| Noninterest expense to average assets | 3.3045% | 2,949 |
| Loan and lease loss provision to assets | 0.5544% | 2,599 |
| Net operating income to assets | 0.7272% | 3,768 |
| Return on assets (ROA) | 0.7272% | 3,602 |
| Pretax return on assets | 0.7578% | 4,218 |
| Return on Equity (ROE) | 8.6614% | 2,775 |
| Retained earnings to average equity (ytd only) | 3.2219% | 3,145 |
| Net charge-offs to loans | 0.5247% | 2,269 |
| Credit loss provision to net charge-offs | 132.5133% | 4,019 |
| Earnings coverage of net charge-offs (x) | 3.1364% | 4,518 |
| Efficiency ratio | 71.5780% | 4,016 |
| Assets per employee ($millions) | 3.4907% | 4,692 |
| Cash dividends to net income (ytd only)* | 62.8015% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 4,696 |
| Loan loss allowance to noncurrent loans | 40.3334% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 2.8696% | 1,628 |
| Noncurrent loans to loans | 2.9284% | 1,838 |
| Net loans and leases to total assets | 77.3193% | 2,305 |
| Net loans and leases to deposits | 97.1268% | 2,270 |
| Net loans and leases to core deposits | 117.9264% | 2,896 |
| Total domestic deposits to total assets | 79.6065% | 5,163 |
| Equity capital to assets | 8.3908% | 6,273 |
| Core capital (leverage) ratio | 8.1047% | 6,316 |
| Tier 1 risk-based capital ratio | 9.4967% | 7,311 |
| Total risk-based capital ratio | 10.5875% | 7,408 |
| Memoranda: | ||
| Average total assets | $855,025,600 | 795 |
| Average earning assets | $784,638,600 | 785 |
| Average equity | $71,790,000 | 923 |
| Average total loans | $681,764,000 | 700 |