Home > Community 1st Bank > Performance and Condition Ratios
Community 1st 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 | 4.7301% | 2,117 |
| Cost of funding earning assets | 0.3605% | 4,646 |
| Net interest margin | 4.3696% | 970 |
| Noninterest income to average assets | 0.2626% | 4,129 |
| Noninterest expense to average assets | 3.3526% | 1,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8550% | 3,429 |
| Return on assets (ROA) | 0.8550% | 3,471 |
| Pretax return on assets | 1.1400% | 3,012 |
| Return on Equity (ROE) | 7.4464% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.4464% | 1,867 |
| Net charge-offs to loans | -0.0050% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6258% | 1,661 |
| Assets per employee ($millions) | 5.4279% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 63.1927% | 3,383 |
| Net loans and leases to deposits | 71.8844% | 3,610 |
| Net loans and leases to core deposits | 77.7581% | 3,537 |
| Total domestic deposits to total assets | 87.9087% | 1,383 |
| Equity capital to assets | 11.6315% | 2,291 |
| Core capital (leverage) ratio | 11.6704% | 2,008 |
| Tier 1 risk-based capital ratio | 18.2656% | 1,725 |
| Total risk-based capital ratio | 19.5184% | 1,678 |
| Memoranda: | ||
| Average total assets | $124,916,500 | 3,722 |
| Average earning assets | $120,927,000 | 3,645 |
| Average equity | $14,342,500 | 3,754 |
| Average total loans | $80,672,000 | 3,677 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 2,621 |
| Cost of funding earning assets | 0.3045% | 4,556 |
| Net interest margin | 4.1390% | 1,562 |
| Noninterest income to average assets | 0.2806% | 4,224 |
| Noninterest expense to average assets | 2.9379% | 2,222 |
| Loan and lease loss provision to assets | 0.1227% | 1,800 |
| Net operating income to assets | 0.9160% | 3,381 |
| Return on assets (ROA) | 0.9160% | 3,369 |
| Pretax return on assets | 1.2255% | 2,790 |
| Return on Equity (ROE) | 8.6820% | 3,152 |
| Retained earnings to average equity (ytd only) | 8.6820% | 990 |
| Net charge-offs to loans | -0.0038% | 4,305 |
| Credit loss provision to net charge-offs | -5,233.3333% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5449% | 2,462 |
| Assets per employee ($millions) | 5.4344% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 64.0510% | 3,353 |
| Net loans and leases to deposits | 72.5867% | 3,617 |
| Net loans and leases to core deposits | 79.8361% | 3,441 |
| Total domestic deposits to total assets | 88.2408% | 1,186 |
| Equity capital to assets | 11.3320% | 2,386 |
| Core capital (leverage) ratio | 10.8931% | 2,633 |
| Tier 1 risk-based capital ratio | 17.6198% | 1,863 |
| Total risk-based capital ratio | 18.8723% | 1,820 |
| Memoranda: | ||
| Average total assets | $127,949,600 | 3,674 |
| Average earning assets | $123,822,200 | 3,590 |
| Average equity | $13,499,200 | 3,818 |
| Average total loans | $78,264,800 | 3,698 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,963 |
| Cost of funding earning assets | 0.2880% | 4,598 |
| Net interest margin | 4.0116% | 1,922 |
| Noninterest income to average assets | 0.2787% | 4,283 |
| Noninterest expense to average assets | 2.8046% | 2,620 |
| Loan and lease loss provision to assets | 0.1523% | 1,295 |
| Net operating income to assets | 0.9117% | 3,473 |
| Return on assets (ROA) | 0.9117% | 3,480 |
| Pretax return on assets | 1.2039% | 2,965 |
| Return on Equity (ROE) | 8.8000% | 3,189 |
| Retained earnings to average equity (ytd only) | 8.8000% | 1,306 |
| Net charge-offs to loans | -0.0034% | 4,157 |
| Credit loss provision to net charge-offs | -7,350.0000% | 4,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4054% | 2,643 |
| Assets per employee ($millions) | 5.7874% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 1,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.7863% | 3,966 |
| Net loans and leases to deposits | 65.9194% | 4,205 |
| Net loans and leases to core deposits | 71.9728% | 4,085 |
| Total domestic deposits to total assets | 89.1790% | 783 |
| Equity capital to assets | 10.3380% | 3,296 |
| Core capital (leverage) ratio | 10.6088% | 2,970 |
| Tier 1 risk-based capital ratio | 17.0511% | 2,089 |
| Total risk-based capital ratio | 18.3037% | 2,028 |
| Memoranda: | ||
| Average total assets | $128,689,250 | 3,700 |
| Average earning assets | $124,537,000 | 3,616 |
| Average equity | $13,333,000 | 3,872 |
| Average total loans | $77,517,250 | 3,749 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 3,054 |
| Cost of funding earning assets | 0.2827% | 4,548 |
| Net interest margin | 3.9368% | 2,080 |
| Noninterest income to average assets | 0.2814% | 4,300 |
| Noninterest expense to average assets | 2.8361% | 2,558 |
| Loan and lease loss provision to assets | 0.1446% | 1,329 |
| Net operating income to assets | 0.8442% | 3,703 |
| Return on assets (ROA) | 0.8442% | 3,702 |
| Pretax return on assets | 1.1099% | 3,271 |
| Return on Equity (ROE) | 8.1423% | 3,440 |
| Retained earnings to average equity (ytd only) | 8.1423% | 1,563 |
| Net charge-offs to loans | -0.0052% | 4,110 |
| Credit loss provision to net charge-offs | -4,600.0000% | 4,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3313% | 2,419 |
| Assets per employee ($millions) | 5.6293% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 1,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 59.5896% | 3,844 |
| Net loans and leases to deposits | 66.7841% | 4,122 |
| Net loans and leases to core deposits | 73.2454% | 3,926 |
| Total domestic deposits to total assets | 89.2272% | 841 |
| Equity capital to assets | 10.3766% | 3,243 |
| Core capital (leverage) ratio | 10.5216% | 3,010 |
| Tier 1 risk-based capital ratio | 16.5476% | 2,246 |
| Total risk-based capital ratio | 17.7984% | 2,186 |
| Memoranda: | ||
| Average total assets | $127,215,330 | 3,743 |
| Average earning assets | $123,095,330 | 3,655 |
| Average equity | $13,190,330 | 3,905 |
| Average total loans | $76,877,330 | 3,780 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 3,201 |
| Cost of funding earning assets | 0.2493% | 4,712 |
| Net interest margin | 3.8614% | 2,191 |
| Noninterest income to average assets | 0.3014% | 4,144 |
| Noninterest expense to average assets | 2.8013% | 2,684 |
| Loan and lease loss provision to assets | 0.1650% | 1,083 |
| Net operating income to assets | 0.8248% | 3,613 |
| Return on assets (ROA) | 0.8248% | 3,624 |
| Pretax return on assets | 1.0691% | 3,285 |
| Return on Equity (ROE) | 7.9584% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.9584% | 1,854 |
| Net charge-offs to loans | -0.0053% | 4,028 |
| Credit loss provision to net charge-offs | -5,200.0000% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4182% | 2,595 |
| Assets per employee ($millions) | 5.6108% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 1,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.1345% | 3,926 |
| Net loans and leases to deposits | 65.0657% | 4,148 |
| Net loans and leases to core deposits | 68.1318% | 4,211 |
| Total domestic deposits to total assets | 89.3475% | 943 |
| Equity capital to assets | 10.2062% | 3,385 |
| Core capital (leverage) ratio | 10.4177% | 3,044 |
| Tier 1 risk-based capital ratio | 15.9785% | 2,479 |
| Total risk-based capital ratio | 17.2290% | 2,422 |
| Memoranda: | ||
| Average total assets | $126,086,000 | 3,795 |
| Average earning assets | $121,925,000 | 3,716 |
| Average equity | $13,068,000 | 3,955 |
| Average total loans | $76,174,000 | 3,831 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 2,772 |
| Cost of funding earning assets | 0.2587% | 4,493 |
| Net interest margin | 3.9185% | 2,032 |
| Noninterest income to average assets | 0.2820% | 4,439 |
| Noninterest expense to average assets | 2.9670% | 2,258 |
| Loan and lease loss provision to assets | 0.1302% | 1,763 |
| Net operating income to assets | 0.6546% | 3,800 |
| Return on assets (ROA) | 0.6546% | 3,838 |
| Pretax return on assets | 0.9729% | 3,666 |
| Return on Equity (ROE) | 6.1790% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.1790% | 1,448 |
| Net charge-offs to loans | -0.0056% | 4,663 |
| Credit loss provision to net charge-offs | -3,775.0000% | 5,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8968% | 2,081 |
| Assets per employee ($millions) | 5.8630% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 1,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 61.0763% | 3,724 |
| Net loans and leases to deposits | 68.5403% | 3,985 |
| Net loans and leases to core deposits | 73.5284% | 3,915 |
| Total domestic deposits to total assets | 89.1101% | 955 |
| Equity capital to assets | 10.5301% | 3,134 |
| Core capital (leverage) ratio | 10.2273% | 3,155 |
| Tier 1 risk-based capital ratio | 15.7563% | 2,528 |
| Total risk-based capital ratio | 17.0063% | 2,472 |
| Memoranda: | ||
| Average total assets | $115,941,400 | 3,962 |
| Average earning assets | $112,082,400 | 3,880 |
| Average equity | $12,283,600 | 4,093 |
| Average total loans | $71,497,600 | 3,930 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 2,953 |
| Cost of funding earning assets | 0.2611% | 4,472 |
| Net interest margin | 3.8490% | 2,228 |
| Noninterest income to average assets | 0.2827% | 4,500 |
| Noninterest expense to average assets | 3.0241% | 2,044 |
| Loan and lease loss provision to assets | 0.1156% | 1,870 |
| Net operating income to assets | 0.5887% | 4,428 |
| Return on assets (ROA) | 0.5887% | 4,466 |
| Pretax return on assets | 0.8620% | 4,169 |
| Return on Equity (ROE) | 5.5475% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.5475% | 2,507 |
| Net charge-offs to loans | -0.0038% | 4,409 |
| Credit loss provision to net charge-offs | -4,950.0000% | 5,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5692% | 1,653 |
| Assets per employee ($millions) | 5.6305% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 62.6243% | 3,592 |
| Net loans and leases to deposits | 70.0879% | 3,955 |
| Net loans and leases to core deposits | 73.1471% | 4,049 |
| Total domestic deposits to total assets | 89.3511% | 726 |
| Equity capital to assets | 10.2759% | 3,610 |
| Core capital (leverage) ratio | 10.4205% | 3,065 |
| Tier 1 risk-based capital ratio | 15.9282% | 2,537 |
| Total risk-based capital ratio | 17.1707% | 2,472 |
| Memoranda: | ||
| Average total assets | $114,146,000 | 4,031 |
| Average earning assets | $110,295,750 | 3,948 |
| Average equity | $12,113,250 | 4,157 |
| Average total loans | $70,313,000 | 3,984 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,183 |
| Cost of funding earning assets | 0.2672% | 4,398 |
| Net interest margin | 3.7393% | 2,515 |
| Noninterest income to average assets | 0.2759% | 4,577 |
| Noninterest expense to average assets | 3.0405% | 2,007 |
| Loan and lease loss provision to assets | 0.0523% | 2,937 |
| Net operating income to assets | 0.5410% | 4,568 |
| Return on assets (ROA) | 0.5410% | 4,605 |
| Pretax return on assets | 0.7917% | 4,298 |
| Return on Equity (ROE) | 5.0386% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.0386% | 2,684 |
| Net charge-offs to loans | -0.0030% | 4,230 |
| Credit loss provision to net charge-offs | -2,900.0000% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2730% | 1,425 |
| Assets per employee ($millions) | 5.4898% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 61.3145% | 3,710 |
| Net loans and leases to deposits | 68.7222% | 4,012 |
| Net loans and leases to core deposits | 73.8330% | 3,953 |
| Total domestic deposits to total assets | 89.2207% | 848 |
| Equity capital to assets | 10.4948% | 3,351 |
| Core capital (leverage) ratio | 10.6216% | 2,782 |
| Tier 1 risk-based capital ratio | 16.5206% | 2,314 |
| Total risk-based capital ratio | 17.7701% | 2,263 |
| Memoranda: | ||
| Average total assets | $110,904,000 | 4,116 |
| Average earning assets | $107,025,000 | 4,032 |
| Average equity | $11,908,000 | 4,205 |
| Average total loans | $67,565,000 | 4,074 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,103 |
| Cost of funding earning assets | 0.2709% | 4,348 |
| Net interest margin | 3.7127% | 2,447 |
| Noninterest income to average assets | 0.2576% | 4,691 |
| Noninterest expense to average assets | 3.1165% | 1,819 |
| Loan and lease loss provision to assets | 0.0699% | 2,412 |
| Net operating income to assets | 0.4452% | 4,799 |
| Return on assets (ROA) | 0.4452% | 4,821 |
| Pretax return on assets | 0.6513% | 4,591 |
| Return on Equity (ROE) | 4.0974% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.0974% | 3,411 |
| Net charge-offs to loans | -0.0061% | 4,241 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2081% | 1,236 |
| Assets per employee ($millions) | 5.4280% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 2,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 55.9317% | 4,176 |
| Net loans and leases to deposits | 62.6072% | 4,396 |
| Net loans and leases to core deposits | 68.4320% | 4,263 |
| Total domestic deposits to total assets | 89.3376% | 983 |
| Equity capital to assets | 10.4352% | 3,255 |
| Core capital (leverage) ratio | 10.8700% | 2,518 |
| Tier 1 risk-based capital ratio | 17.6206% | 1,996 |
| Total risk-based capital ratio | 18.8721% | 1,953 |
| Memoranda: | ||
| Average total assets | $108,713,000 | 4,195 |
| Average earning assets | $104,829,500 | 4,110 |
| Average equity | $11,812,500 | 4,248 |
| Average total loans | $65,548,000 | 4,143 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 2,931 |
| Cost of funding earning assets | 0.2918% | 4,156 |
| Net interest margin | 3.7870% | 2,363 |
| Noninterest income to average assets | 0.2720% | 4,788 |
| Noninterest expense to average assets | 3.0052% | 2,337 |
| Loan and lease loss provision to assets | 0.0842% | 2,674 |
| Net operating income to assets | 0.5807% | 4,291 |
| Return on assets (ROA) | 0.5827% | 4,393 |
| Pretax return on assets | 0.8537% | 3,995 |
| Return on Equity (ROE) | 5.2528% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.2528% | 2,162 |
| Net charge-offs to loans | 0.5258% | 459 |
| Credit loss provision to net charge-offs | 26.0479% | 3,622 |
| Earnings coverage of net charge-offs (x) | 2.8922% | 3,750 |
| Efficiency ratio | 76.2712% | 1,941 |
| Assets per employee ($millions) | 4.9256% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 2,389 |
| Loan loss allowance to noncurrent loans | 722.9508% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,841 |
| Noncurrent loans to loans | 0.1836% | 4,504 |
| Net loans and leases to total assets | 63.3777% | 3,428 |
| Net loans and leases to deposits | 71.6255% | 3,750 |
| Net loans and leases to core deposits | 79.1061% | 3,468 |
| Total domestic deposits to total assets | 88.4848% | 1,385 |
| Equity capital to assets | 11.3402% | 2,297 |
| Core capital (leverage) ratio | 10.8481% | 2,490 |
| Tier 1 risk-based capital ratio | 16.8404% | 2,217 |
| Total risk-based capital ratio | 18.0914% | 2,164 |
| Memoranda: | ||
| Average total assets | $103,321,000 | 4,301 |
| Average earning assets | $100,079,200 | 4,202 |
| Average equity | $11,460,600 | 4,344 |
| Average total loans | $63,522,600 | 4,192 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 3,053 |
| Cost of funding earning assets | 0.2928% | 4,182 |
| Net interest margin | 3.7532% | 2,510 |
| Noninterest income to average assets | 0.2737% | 4,814 |
| Noninterest expense to average assets | 2.9882% | 2,354 |
| Loan and lease loss provision to assets | 0.0658% | 2,907 |
| Net operating income to assets | 0.5911% | 4,327 |
| Return on assets (ROA) | 0.5938% | 4,428 |
| Pretax return on assets | 0.8636% | 4,107 |
| Return on Equity (ROE) | 5.3832% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.3832% | 2,562 |
| Net charge-offs to loans | 0.7155% | 260 |
| Credit loss provision to net charge-offs | 15.1335% | 3,327 |
| Earnings coverage of net charge-offs (x) | 2.1276% | 3,617 |
| Efficiency ratio | 76.3522% | 1,926 |
| Assets per employee ($millions) | 5.0482% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,614 |
| Loan loss allowance to noncurrent loans | 282.8859% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 4,305 |
| Noncurrent loans to loans | 0.4643% | 3,623 |
| Net loans and leases to total assets | 59.7461% | 3,910 |
| Net loans and leases to deposits | 67.3780% | 4,213 |
| Net loans and leases to core deposits | 74.2193% | 3,981 |
| Total domestic deposits to total assets | 88.6730% | 1,066 |
| Equity capital to assets | 10.9742% | 3,037 |
| Core capital (leverage) ratio | 11.0682% | 2,380 |
| Tier 1 risk-based capital ratio | 16.6887% | 2,337 |
| Total risk-based capital ratio | 17.9133% | 2,301 |
| Memoranda: | ||
| Average total assets | $103,292,000 | 4,332 |
| Average earning assets | $100,179,250 | 4,232 |
| Average equity | $11,393,250 | 4,396 |
| Average total loans | $62,793,750 | 4,233 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 3,047 |
| Cost of funding earning assets | 0.2998% | 4,131 |
| Net interest margin | 3.7543% | 2,502 |
| Noninterest income to average assets | 0.2832% | 4,759 |
| Noninterest expense to average assets | 3.0278% | 2,257 |
| Loan and lease loss provision to assets | 0.0410% | 3,339 |
| Net operating income to assets | 0.5820% | 4,341 |
| Return on assets (ROA) | 0.5860% | 4,453 |
| Pretax return on assets | 0.8654% | 4,065 |
| Return on Equity (ROE) | 5.3036% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.3036% | 2,542 |
| Net charge-offs to loans | 1.0845% | 160 |
| Credit loss provision to net charge-offs | 6.2130% | 3,020 |
| Earnings coverage of net charge-offs (x) | 1.3639% | 3,419 |
| Efficiency ratio | 77.0761% | 1,919 |
| Assets per employee ($millions) | 5.1600% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 2,541 |
| Loan loss allowance to noncurrent loans | 272.4832% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 4,395 |
| Noncurrent loans to loans | 0.4945% | 3,597 |
| Net loans and leases to total assets | 54.8680% | 4,424 |
| Net loans and leases to deposits | 61.6587% | 4,682 |
| Net loans and leases to core deposits | 68.0006% | 4,472 |
| Total domestic deposits to total assets | 88.9867% | 926 |
| Equity capital to assets | 10.5906% | 3,539 |
| Core capital (leverage) ratio | 10.9395% | 2,501 |
| Tier 1 risk-based capital ratio | 19.5349% | 1,554 |
| Total risk-based capital ratio | 20.7861% | 1,517 |
| Memoranda: | ||
| Average total assets | $102,385,330 | 4,381 |
| Average earning assets | $99,405,330 | 4,282 |
| Average equity | $11,313,000 | 4,438 |
| Average total loans | $62,331,330 | 4,276 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 2,468 |
| Cost of funding earning assets | 0.3104% | 4,056 |
| Net interest margin | 3.8906% | 1,961 |
| Noninterest income to average assets | 0.3099% | 4,514 |
| Noninterest expense to average assets | 3.0544% | 2,229 |
| Loan and lease loss provision to assets | 0.0121% | 3,532 |
| Net operating income to assets | 0.6922% | 3,751 |
| Return on assets (ROA) | 0.6922% | 3,863 |
| Pretax return on assets | 1.0262% | 3,384 |
| Return on Equity (ROE) | 6.1256% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.1256% | 2,317 |
| Net charge-offs to loans | -0.0063% | 4,363 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6313% | 2,386 |
| Assets per employee ($millions) | 4.8588% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 1,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.5076% | 3,846 |
| Net loans and leases to deposits | 67.1853% | 4,139 |
| Net loans and leases to core deposits | 74.3765% | 3,850 |
| Total domestic deposits to total assets | 88.5724% | 1,320 |
| Equity capital to assets | 11.1041% | 2,822 |
| Core capital (leverage) ratio | 11.3378% | 2,105 |
| Tier 1 risk-based capital ratio | 18.8000% | 1,783 |
| Total risk-based capital ratio | 20.0577% | 1,748 |
| Memoranda: | ||
| Average total assets | $99,398,000 | 4,477 |
| Average earning assets | $96,643,000 | 4,368 |
| Average equity | $11,231,500 | 4,464 |
| Average total loans | $63,363,500 | 4,280 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,715 |
| Cost of funding earning assets | 0.3771% | 3,402 |
| Net interest margin | 3.7788% | 2,451 |
| Noninterest income to average assets | 0.3049% | 4,703 |
| Noninterest expense to average assets | 3.0682% | 2,326 |
| Loan and lease loss provision to assets | 0.0346% | 3,658 |
| Net operating income to assets | 0.6039% | 4,251 |
| Return on assets (ROA) | 0.6046% | 4,346 |
| Pretax return on assets | 0.8886% | 3,885 |
| Return on Equity (ROE) | 5.3313% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.3313% | 2,184 |
| Net charge-offs to loans | -0.0032% | 4,919 |
| Credit loss provision to net charge-offs | -1,650.0000% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8908% | 2,129 |
| Assets per employee ($millions) | 4.6077% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 1,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 65.8802% | 2,998 |
| Net loans and leases to deposits | 74.6321% | 3,417 |
| Net loans and leases to core deposits | 82.0636% | 3,140 |
| Total domestic deposits to total assets | 88.2733% | 1,493 |
| Equity capital to assets | 11.5055% | 2,356 |
| Core capital (leverage) ratio | 11.2238% | 2,186 |
| Tier 1 risk-based capital ratio | 17.1261% | 2,242 |
| Total risk-based capital ratio | 18.3829% | 2,192 |
| Memoranda: | ||
| Average total assets | $95,431,000 | 4,553 |
| Average earning assets | $93,071,600 | 4,450 |
| Average equity | $10,822,800 | 4,518 |
| Average total loans | $61,782,200 | 4,327 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 2,823 |
| Cost of funding earning assets | 0.3927% | 3,299 |
| Net interest margin | 3.7344% | 2,631 |
| Noninterest income to average assets | 0.3070% | 4,745 |
| Noninterest expense to average assets | 3.0718% | 2,296 |
| Loan and lease loss provision to assets | 0.0449% | 3,312 |
| Net operating income to assets | 0.5669% | 4,542 |
| Return on assets (ROA) | 0.5678% | 4,624 |
| Pretax return on assets | 0.8314% | 4,239 |
| Return on Equity (ROE) | 5.0254% | 4,617 |
| Retained earnings to average equity (ytd only) | 5.0254% | 2,900 |
| Net charge-offs to loans | -0.0066% | 4,882 |
| Credit loss provision to net charge-offs | -1,066.6667% | 5,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8330% | 1,967 |
| Assets per employee ($millions) | 4.6710% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 1,376 |
| Loan loss allowance to noncurrent loans | 112,900.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 5,831 |
| Noncurrent loans to loans | 0.0015% | 5,669 |
| Net loans and leases to total assets | 64.8653% | 3,179 |
| Net loans and leases to deposits | 73.4392% | 3,602 |
| Net loans and leases to core deposits | 80.4682% | 3,393 |
| Total domestic deposits to total assets | 88.3251% | 1,391 |
| Equity capital to assets | 11.1906% | 2,805 |
| Core capital (leverage) ratio | 11.1993% | 2,304 |
| Tier 1 risk-based capital ratio | 17.8983% | 2,052 |
| Total risk-based capital ratio | 19.1554% | 2,017 |
| Memoranda: | ||
| Average total assets | $95,098,250 | 4,617 |
| Average earning assets | $92,686,250 | 4,504 |
| Average equity | $10,745,250 | 4,581 |
| Average total loans | $61,008,750 | 4,398 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 3,076 |
| Cost of funding earning assets | 0.4100% | 3,161 |
| Net interest margin | 3.6397% | 2,944 |
| Noninterest income to average assets | 0.2848% | 4,923 |
| Noninterest expense to average assets | 3.0776% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4959% | 4,786 |
| Return on assets (ROA) | 0.4973% | 4,886 |
| Pretax return on assets | 0.7566% | 4,465 |
| Return on Equity (ROE) | 4.3870% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.3870% | 3,222 |
| Net charge-offs to loans | -0.0067% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3106% | 1,710 |
| Assets per employee ($millions) | 5.2679% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 1,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 64.7666% | 3,153 |
| Net loans and leases to deposits | 73.3859% | 3,567 |
| Net loans and leases to core deposits | 80.9739% | 3,284 |
| Total domestic deposits to total assets | 88.2548% | 1,516 |
| Equity capital to assets | 11.3739% | 2,513 |
| Core capital (leverage) ratio | 11.6164% | 1,910 |
| Tier 1 risk-based capital ratio | 19.5200% | 1,667 |
| Total risk-based capital ratio | 20.7798% | 1,626 |
| Memoranda: | ||
| Average total assets | $94,100,670 | 4,680 |
| Average earning assets | $91,711,000 | 4,566 |
| Average equity | $10,668,000 | 4,623 |
| Average total loans | $59,759,670 | 4,472 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 3,491 |
| Cost of funding earning assets | 0.4466% | 2,805 |
| Net interest margin | 3.4855% | 3,495 |
| Noninterest income to average assets | 0.2688% | 5,027 |
| Noninterest expense to average assets | 2.9913% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4410% | 4,909 |
| Return on assets (ROA) | 0.4438% | 5,017 |
| Pretax return on assets | 0.6785% | 4,663 |
| Return on Equity (ROE) | 3.9210% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.9210% | 3,647 |
| Net charge-offs to loans | -0.0069% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6065% | 1,669 |
| Assets per employee ($millions) | 4.6892% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8664% | 1,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 61.3896% | 3,465 |
| Net loans and leases to deposits | 69.4747% | 3,805 |
| Net loans and leases to core deposits | 72.8994% | 3,881 |
| Total domestic deposits to total assets | 88.3625% | 1,622 |
| Equity capital to assets | 11.3869% | 2,568 |
| Core capital (leverage) ratio | 10.9830% | 2,426 |
| Tier 1 risk-based capital ratio | 18.2391% | 2,073 |
| Total risk-based capital ratio | 19.4962% | 2,027 |
| Memoranda: | ||
| Average total assets | $93,740,000 | 4,731 |
| Average earning assets | $91,350,000 | 4,611 |
| Average equity | $10,609,500 | 4,676 |
| Average total loans | $58,385,000 | 4,533 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 3,402 |
| Cost of funding earning assets | 0.5501% | 2,203 |
| Net interest margin | 3.5294% | 3,687 |
| Noninterest income to average assets | 0.3379% | 4,690 |
| Noninterest expense to average assets | 3.1718% | 2,283 |
| Loan and lease loss provision to assets | 0.0346% | 3,901 |
| Net operating income to assets | 0.7327% | 3,719 |
| Return on assets (ROA) | 0.7327% | 3,827 |
| Pretax return on assets | 0.5587% | 5,076 |
| Return on Equity (ROE) | 6.4648% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.4648% | 1,667 |
| Net charge-offs to loans | 0.0179% | 4,498 |
| Credit loss provision to net charge-offs | 310.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 53.2000% | 882 |
| Efficiency ratio | 84.2417% | 1,383 |
| Assets per employee ($millions) | 4.6849% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 1,351 |
| Loan loss allowance to noncurrent loans | 1,083.1683% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 5,232 |
| Noncurrent loans to loans | 0.1738% | 5,200 |
| Net loans and leases to total assets | 60.8429% | 3,662 |
| Net loans and leases to deposits | 68.7224% | 4,058 |
| Net loans and leases to core deposits | 72.7839% | 4,049 |
| Total domestic deposits to total assets | 88.5343% | 1,505 |
| Equity capital to assets | 11.2490% | 2,651 |
| Core capital (leverage) ratio | 11.2143% | 2,208 |
| Tier 1 risk-based capital ratio | 17.3854% | 2,361 |
| Total risk-based capital ratio | 18.6421% | 2,323 |
| Memoranda: | ||
| Average total assets | $89,665,000 | 4,844 |
| Average earning assets | $87,067,600 | 4,716 |
| Average equity | $10,162,800 | 4,721 |
| Average total loans | $55,720,800 | 4,622 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 3,412 |
| Cost of funding earning assets | 0.5705% | 2,101 |
| Net interest margin | 3.5221% | 3,749 |
| Noninterest income to average assets | 0.3369% | 4,745 |
| Noninterest expense to average assets | 3.1822% | 2,228 |
| Loan and lease loss provision to assets | 0.0105% | 4,209 |
| Net operating income to assets | 0.7369% | 3,742 |
| Return on assets (ROA) | 0.7369% | 3,850 |
| Pretax return on assets | 0.5609% | 5,153 |
| Return on Equity (ROE) | 6.4888% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.4888% | 2,112 |
| Net charge-offs to loans | 0.0266% | 3,969 |
| Credit loss provision to net charge-offs | 63.6364% | 2,884 |
| Earnings coverage of net charge-offs (x) | 34.5365% | 1,249 |
| Efficiency ratio | 84.7756% | 1,307 |
| Assets per employee ($millions) | 4.6988% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8723% | 1,522 |
| Loan loss allowance to noncurrent loans | 1,058.4158% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 5,428 |
| Noncurrent loans to loans | 0.1769% | 5,383 |
| Net loans and leases to total assets | 59.6173% | 3,861 |
| Net loans and leases to deposits | 67.2436% | 4,215 |
| Net loans and leases to core deposits | 75.6199% | 3,793 |
| Total domestic deposits to total assets | 88.6588% | 1,418 |
| Equity capital to assets | 11.0177% | 2,941 |
| Core capital (leverage) ratio | 11.4823% | 2,081 |
| Tier 1 risk-based capital ratio | 14.0177% | 4,204 |
| Total risk-based capital ratio | 15.2706% | 4,135 |
| Memoranda: | ||
| Average total assets | $88,657,000 | 4,924 |
| Average earning assets | $86,007,250 | 4,788 |
| Average equity | $10,068,500 | 4,769 |
| Average total loans | $55,125,500 | 4,686 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 3,373 |
| Cost of funding earning assets | 0.5845% | 2,028 |
| Net interest margin | 3.5091% | 3,747 |
| Noninterest income to average assets | 0.3706% | 4,474 |
| Noninterest expense to average assets | 3.2595% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6906% | 3,892 |
| Return on assets (ROA) | 0.6906% | 3,981 |
| Pretax return on assets | 0.5110% | 5,249 |
| Return on Equity (ROE) | 6.0160% | 4,140 |
| Retained earnings to average equity (ytd only) | 6.0160% | 2,315 |
| Net charge-offs to loans | -0.0184% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4469% | 1,228 |
| Assets per employee ($millions) | 4.1855% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 1,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 5,306 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 61.9819% | 3,408 |
| Net loans and leases to deposits | 70.2755% | 3,789 |
| Net loans and leases to core deposits | 79.7479% | 3,240 |
| Total domestic deposits to total assets | 88.1984% | 1,793 |
| Equity capital to assets | 11.5661% | 2,358 |
| Core capital (leverage) ratio | 11.6275% | 1,904 |
| Tier 1 risk-based capital ratio | 17.1786% | 2,547 |
| Total risk-based capital ratio | 18.4361% | 2,504 |
| Memoranda: | ||
| Average total assets | $86,884,000 | 5,002 |
| Average earning assets | $84,180,670 | 4,863 |
| Average equity | $9,973,330 | 4,810 |
| Average total loans | $54,469,000 | 4,736 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,571 |
| Cost of funding earning assets | 0.5832% | 2,136 |
| Net interest margin | 3.4464% | 3,915 |
| Noninterest income to average assets | 0.2593% | 5,283 |
| Noninterest expense to average assets | 3.2693% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5094% | 4,641 |
| Return on assets (ROA) | 0.5094% | 4,718 |
| Pretax return on assets | 0.3288% | 5,654 |
| Return on Equity (ROE) | 4.4548% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.4548% | 3,449 |
| Net charge-offs to loans | -0.0074% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8623% | 962 |
| Assets per employee ($millions) | 4.1465% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9511% | 1,623 |
| Loan loss allowance to noncurrent loans | 2,334.7826% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 5,788 |
| Noncurrent loans to loans | 0.0836% | 5,887 |
| Net loans and leases to total assets | 61.9838% | 3,245 |
| Net loans and leases to deposits | 70.1331% | 3,589 |
| Net loans and leases to core deposits | 79.9363% | 2,978 |
| Total domestic deposits to total assets | 88.3803% | 2,002 |
| Equity capital to assets | 11.4211% | 2,314 |
| Core capital (leverage) ratio | 11.5285% | 1,945 |
| Tier 1 risk-based capital ratio | 17.2263% | 2,587 |
| Total risk-based capital ratio | 18.4841% | 2,541 |
| Memoranda: | ||
| Average total assets | $86,378,500 | 5,058 |
| Average earning assets | $83,682,000 | 4,926 |
| Average equity | $9,877,000 | 4,850 |
| Average total loans | $53,925,000 | 4,793 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 3,170 |
| Cost of funding earning assets | 0.6720% | 2,023 |
| Net interest margin | 3.5732% | 3,584 |
| Noninterest income to average assets | 0.3607% | 4,725 |
| Noninterest expense to average assets | 3.3512% | 1,997 |
| Loan and lease loss provision to assets | 0.1504% | 2,402 |
| Net operating income to assets | 0.4328% | 5,024 |
| Return on assets (ROA) | 0.4328% | 5,147 |
| Pretax return on assets | 0.2849% | 5,770 |
| Return on Equity (ROE) | 3.6622% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.6622% | 3,614 |
| Net charge-offs to loans | 0.0435% | 4,610 |
| Credit loss provision to net charge-offs | 559.0909% | 420 |
| Earnings coverage of net charge-offs (x) | 16.1818% | 1,820 |
| Efficiency ratio | 88.5050% | 1,165 |
| Assets per employee ($millions) | 4.0800% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 1,486 |
| Loan loss allowance to noncurrent loans | 2,332.6087% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.9302% | 3,578 |
| Noncurrent loans to loans | 0.0871% | 5,956 |
| Net loans and leases to total assets | 60.3751% | 3,644 |
| Net loans and leases to deposits | 68.3364% | 3,995 |
| Net loans and leases to core deposits | 77.7848% | 3,396 |
| Total domestic deposits to total assets | 88.3498% | 1,980 |
| Equity capital to assets | 11.4483% | 2,207 |
| Core capital (leverage) ratio | 11.5010% | 1,960 |
| Tier 1 risk-based capital ratio | 17.4773% | 2,428 |
| Total risk-based capital ratio | 18.7362% | 2,398 |
| Memoranda: | ||
| Average total assets | $81,792,000 | 5,200 |
| Average earning assets | $78,418,000 | 5,077 |
| Average equity | $9,666,200 | 4,934 |
| Average total loans | $50,564,600 | 4,943 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,980 |
| Cost of funding earning assets | 0.6876% | 2,034 |
| Net interest margin | 3.6156% | 3,383 |
| Noninterest income to average assets | 0.3580% | 4,829 |
| Noninterest expense to average assets | 3.3489% | 1,952 |
| Loan and lease loss provision to assets | 0.2194% | 1,659 |
| Net operating income to assets | 0.3860% | 5,295 |
| Return on assets (ROA) | 0.3860% | 5,434 |
| Pretax return on assets | 0.2508% | 5,970 |
| Return on Equity (ROE) | 3.2396% | 5,517 |
| Retained earnings to average equity (ytd only) | 3.2396% | 4,374 |
| Net charge-offs to loans | 0.0187% | 4,757 |
| Credit loss provision to net charge-offs | 1,900.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 40.7278% | 990 |
| Efficiency ratio | 87.6890% | 1,199 |
| Assets per employee ($millions) | 3.9303% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1832% | 1,353 |
| Loan loss allowance to noncurrent loans | 1,744.4444% | 297 |
| Noncurrent assets plus other real estate owned to assets | 1.0286% | 3,589 |
| Noncurrent loans to loans | 0.1252% | 5,949 |
| Net loans and leases to total assets | 59.6588% | 3,747 |
| Net loans and leases to deposits | 67.8059% | 4,085 |
| Net loans and leases to core deposits | 76.9940% | 3,497 |
| Total domestic deposits to total assets | 87.9846% | 2,140 |
| Equity capital to assets | 11.7428% | 2,094 |
| Core capital (leverage) ratio | 11.6217% | 1,928 |
| Tier 1 risk-based capital ratio | 18.4347% | 2,163 |
| Total risk-based capital ratio | 19.6944% | 2,132 |
| Memoranda: | ||
| Average total assets | $80,819,750 | 5,268 |
| Average earning assets | $77,366,500 | 5,157 |
| Average equity | $9,630,500 | 4,994 |
| Average total loans | $50,005,000 | 5,004 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 3,094 |
| Cost of funding earning assets | 0.6915% | 2,131 |
| Net interest margin | 3.5746% | 3,470 |
| Noninterest income to average assets | 0.3838% | 4,637 |
| Noninterest expense to average assets | 3.2599% | 2,190 |
| Loan and lease loss provision to assets | 0.2692% | 1,372 |
| Net operating income to assets | 0.3888% | 5,254 |
| Return on assets (ROA) | 0.3888% | 5,420 |
| Pretax return on assets | 0.2816% | 5,920 |
| Return on Equity (ROE) | 3.2466% | 5,524 |
| Retained earnings to average equity (ytd only) | 3.2466% | 4,240 |
| Net charge-offs to loans | -0.0160% | 5,891 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5461% | 1,460 |
| Assets per employee ($millions) | 4.0532% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1903% | 1,441 |
| Loan loss allowance to noncurrent loans | 6,775.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 3,751 |
| Noncurrent loans to loans | 0.0323% | 6,310 |
| Net loans and leases to total assets | 56.8723% | 4,155 |
| Net loans and leases to deposits | 64.3150% | 4,461 |
| Net loans and leases to core deposits | 76.9358% | 3,435 |
| Total domestic deposits to total assets | 88.4277% | 1,966 |
| Equity capital to assets | 11.3232% | 2,439 |
| Core capital (leverage) ratio | 11.7047% | 1,794 |
| Tier 1 risk-based capital ratio | 18.1697% | 2,263 |
| Total risk-based capital ratio | 19.4290% | 2,218 |
| Memoranda: | ||
| Average total assets | $80,247,670 | 5,309 |
| Average earning assets | $76,932,330 | 5,200 |
| Average equity | $9,610,000 | 5,033 |
| Average total loans | $49,893,670 | 5,027 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,847 |
| Cost of funding earning assets | 0.7124% | 2,114 |
| Net interest margin | 3.5994% | 3,269 |
| Noninterest income to average assets | 0.2673% | 5,545 |
| Noninterest expense to average assets | 3.3105% | 2,060 |
| Loan and lease loss provision to assets | 0.2622% | 1,357 |
| Net operating income to assets | 0.2005% | 5,891 |
| Return on assets (ROA) | 0.2005% | 5,999 |
| Pretax return on assets | 0.1491% | 6,174 |
| Return on Equity (ROE) | 1.6257% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.6257% | 5,172 |
| Net charge-offs to loans | -0.0080% | 5,372 |
| Credit loss provision to net charge-offs | -5,100.0000% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9503% | 1,239 |
| Assets per employee ($millions) | 4.0806% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 2,021 |
| Loan loss allowance to noncurrent loans | 6,023.5294% | 113 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 3,845 |
| Noncurrent loans to loans | 0.0333% | 6,394 |
| Net loans and leases to total assets | 61.2185% | 3,221 |
| Net loans and leases to deposits | 69.5564% | 3,563 |
| Net loans and leases to core deposits | 83.6097% | 2,369 |
| Total domestic deposits to total assets | 88.0126% | 2,301 |
| Equity capital to assets | 11.7827% | 2,192 |
| Core capital (leverage) ratio | 12.2631% | 1,435 |
| Tier 1 risk-based capital ratio | 17.9895% | 2,366 |
| Total risk-based capital ratio | 19.2479% | 2,332 |
| Memoranda: | ||
| Average total assets | $77,813,000 | 5,421 |
| Average earning assets | $74,678,500 | 5,303 |
| Average equity | $9,596,000 | 5,088 |
| Average total loans | $50,094,500 | 5,057 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 3,715 |
| Cost of funding earning assets | 0.8226% | 2,484 |
| Net interest margin | 3.6023% | 4,072 |
| Noninterest income to average assets | 0.3112% | 5,226 |
| Noninterest expense to average assets | 3.2790% | 2,401 |
| Loan and lease loss provision to assets | 0.3413% | 1,967 |
| Net operating income to assets | 0.1584% | 5,870 |
| Return on assets (ROA) | 0.1584% | 6,033 |
| Pretax return on assets | 0.1584% | 6,055 |
| Return on Equity (ROE) | 1.2268% | 6,082 |
| Retained earnings to average equity (ytd only) | 1.2268% | 5,263 |
| Net charge-offs to loans | 0.3432% | 2,916 |
| Credit loss provision to net charge-offs | 153.3742% | 1,763 |
| Earnings coverage of net charge-offs (x) | 2.2454% | 4,298 |
| Efficiency ratio | 86.7775% | 1,348 |
| Assets per employee ($millions) | 3.8955% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9754% | 2,086 |
| Loan loss allowance to noncurrent loans | 1,143.5294% | 417 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 3,768 |
| Noncurrent loans to loans | 0.1728% | 6,047 |
| Net loans and leases to total assets | 65.1652% | 2,682 |
| Net loans and leases to deposits | 75.0798% | 2,949 |
| Net loans and leases to core deposits | 85.6103% | 2,362 |
| Total domestic deposits to total assets | 86.7946% | 2,938 |
| Equity capital to assets | 12.9379% | 1,478 |
| Core capital (leverage) ratio | 12.7936% | 1,203 |
| Tier 1 risk-based capital ratio | 18.3345% | 2,160 |
| Total risk-based capital ratio | 19.5916% | 2,120 |
| Memoranda: | ||
| Average total assets | $73,254,600 | 5,541 |
| Average earning assets | $70,511,200 | 5,410 |
| Average equity | $9,455,600 | 5,117 |
| Average total loans | $47,495,600 | 5,196 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 4,092 |
| Cost of funding earning assets | 0.8467% | 2,568 |
| Net interest margin | 3.5442% | 4,469 |
| Noninterest income to average assets | 0.2774% | 5,559 |
| Noninterest expense to average assets | 3.2993% | 2,279 |
| Loan and lease loss provision to assets | 0.3869% | 1,667 |
| Net operating income to assets | 0.0055% | 6,269 |
| Return on assets (ROA) | 0.0055% | 6,398 |
| Pretax return on assets | 0.0055% | 6,386 |
| Return on Equity (ROE) | 0.0424% | 6,400 |
| Retained earnings to average equity (ytd only) | 0.0424% | 6,056 |
| Net charge-offs to loans | 0.3428% | 2,737 |
| Credit loss provision to net charge-offs | 175.2066% | 1,584 |
| Earnings coverage of net charge-offs (x) | 1.7769% | 4,381 |
| Efficiency ratio | 89.3722% | 1,079 |
| Assets per employee ($millions) | 3.8544% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 2,177 |
| Loan loss allowance to noncurrent loans | 145.0893% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.9445% | 2,721 |
| Noncurrent loans to loans | 1.3761% | 3,727 |
| Net loans and leases to total assets | 65.3503% | 2,769 |
| Net loans and leases to deposits | 75.3741% | 3,083 |
| Net loans and leases to core deposits | 87.2175% | 2,312 |
| Total domestic deposits to total assets | 86.7014% | 2,850 |
| Equity capital to assets | 12.9518% | 1,613 |
| Core capital (leverage) ratio | 12.7698% | 1,288 |
| Tier 1 risk-based capital ratio | 18.0409% | 2,319 |
| Total risk-based capital ratio | 19.2987% | 2,293 |
| Memoranda: | ||
| Average total assets | $73,064,500 | 5,600 |
| Average earning assets | $70,386,000 | 5,475 |
| Average equity | $9,425,500 | 5,173 |
| Average total loans | $47,068,500 | 5,265 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 4,652 |
| Cost of funding earning assets | 0.8620% | 2,715 |
| Net interest margin | 3.4169% | 5,015 |
| Noninterest income to average assets | 0.2219% | 5,988 |
| Noninterest expense to average assets | 3.3202% | 2,252 |
| Loan and lease loss provision to assets | 0.4465% | 1,443 |
| Net operating income to assets | -0.2438% | 6,576 |
| Return on assets (ROA) | -0.2438% | 6,638 |
| Pretax return on assets | -0.2438% | 6,608 |
| Return on Equity (ROE) | -1.8925% | 6,614 |
| Retained earnings to average equity (ytd only) | -1.8925% | 6,346 |
| Net charge-offs to loans | 0.3442% | 2,639 |
| Credit loss provision to net charge-offs | 203.7500% | 1,400 |
| Earnings coverage of net charge-offs (x) | 0.9250% | 4,573 |
| Efficiency ratio | 94.2457% | 794 |
| Assets per employee ($millions) | 3.8991% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 2,371 |
| Loan loss allowance to noncurrent loans | 109.2551% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.1960% | 4,020 |
| Noncurrent loans to loans | 1.7856% | 3,241 |
| Net loans and leases to total assets | 65.6732% | 2,736 |
| Net loans and leases to deposits | 75.3956% | 3,064 |
| Net loans and leases to core deposits | 86.5987% | 2,348 |
| Total domestic deposits to total assets | 87.1048% | 2,713 |
| Equity capital to assets | 12.6495% | 1,723 |
| Core capital (leverage) ratio | 12.5472% | 1,331 |
| Tier 1 risk-based capital ratio | 18.0420% | 2,277 |
| Total risk-based capital ratio | 19.2990% | 2,246 |
| Memoranda: | ||
| Average total assets | $73,008,330 | 5,634 |
| Average earning assets | $70,532,330 | 5,505 |
| Average equity | $9,405,670 | 5,182 |
| Average total loans | $46,480,330 | 5,325 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 5,208 |
| Cost of funding earning assets | 0.8924% | 2,750 |
| Net interest margin | 3.2780% | 5,542 |
| Noninterest income to average assets | 0.2263% | 6,004 |
| Noninterest expense to average assets | 3.4220% | 1,950 |
| Loan and lease loss provision to assets | 0.3864% | 1,628 |
| Net operating income to assets | -0.4195% | 6,784 |
| Return on assets (ROA) | -0.4195% | 6,817 |
| Pretax return on assets | -0.4195% | 6,792 |
| Return on Equity (ROE) | -3.2261% | 6,770 |
| Retained earnings to average equity (ytd only) | -3.2261% | 6,424 |
| Net charge-offs to loans | 0.4453% | 1,977 |
| Credit loss provision to net charge-offs | 140.0000% | 1,754 |
| Earnings coverage of net charge-offs (x) | -0.1200% | 4,413 |
| Efficiency ratio | 100.9772% | 520 |
| Assets per employee ($millions) | 3.9348% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9670% | 2,463 |
| Loan loss allowance to noncurrent loans | 108.7846% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 4,270 |
| Noncurrent loans to loans | 1.8081% | 3,401 |
| Net loans and leases to total assets | 60.2654% | 3,605 |
| Net loans and leases to deposits | 69.0795% | 3,860 |
| Net loans and leases to core deposits | 78.3252% | 3,282 |
| Total domestic deposits to total assets | 87.2407% | 2,806 |
| Equity capital to assets | 12.5386% | 1,703 |
| Core capital (leverage) ratio | 12.9441% | 1,148 |
| Tier 1 risk-based capital ratio | 19.2624% | 1,914 |
| Total risk-based capital ratio | 20.5200% | 1,881 |
| Memoranda: | ||
| Average total assets | $72,471,500 | 5,697 |
| Average earning assets | $69,920,500 | 5,568 |
| Average equity | $9,423,000 | 5,188 |
| Average total loans | $44,910,500 | 5,427 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6173% | 4,604 |
| Cost of funding earning assets | 0.9224% | 3,941 |
| Net interest margin | 3.6948% | 4,319 |
| Noninterest income to average assets | 0.1738% | 6,247 |
| Noninterest expense to average assets | 3.3365% | 2,399 |
| Loan and lease loss provision to assets | 0.3993% | 2,599 |
| Net operating income to assets | 0.0117% | 6,015 |
| Return on assets (ROA) | 0.0117% | 6,137 |
| Pretax return on assets | 0.0117% | 6,106 |
| Return on Equity (ROE) | 0.0738% | 6,146 |
| Retained earnings to average equity (ytd only) | 0.0738% | 5,802 |
| Net charge-offs to loans | 0.0436% | 5,867 |
| Credit loss provision to net charge-offs | 1,327.7778% | 164 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,523 |
| Efficiency ratio | 89.0325% | 1,272 |
| Assets per employee ($millions) | 3.8990% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 2,220 |
| Loan loss allowance to noncurrent loans | 100.2265% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.2582% | 4,129 |
| Noncurrent loans to loans | 2.0131% | 3,188 |
| Net loans and leases to total assets | 61.2365% | 3,735 |
| Net loans and leases to deposits | 70.9976% | 3,951 |
| Net loans and leases to core deposits | 84.1268% | 2,876 |
| Total domestic deposits to total assets | 86.2515% | 3,165 |
| Equity capital to assets | 13.4963% | 1,264 |
| Core capital (leverage) ratio | 13.8340% | 865 |
| Tier 1 risk-based capital ratio | 20.6075% | 1,497 |
| Total risk-based capital ratio | 21.8652% | 1,462 |
| Memoranda: | ||
| Average total assets | $59,853,200 | 6,042 |
| Average earning assets | $57,891,400 | 5,934 |
| Average equity | $9,485,000 | 5,158 |
| Average total loans | $41,279,200 | 5,630 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 4,327 |
| Cost of funding earning assets | 0.9270% | 4,219 |
| Net interest margin | 3.8017% | 3,876 |
| Noninterest income to average assets | 0.1816% | 6,294 |
| Noninterest expense to average assets | 3.4129% | 2,157 |
| Loan and lease loss provision to assets | 0.4400% | 2,274 |
| Net operating income to assets | 0.0047% | 6,148 |
| Return on assets (ROA) | 0.0047% | 6,248 |
| Pretax return on assets | 0.0047% | 6,224 |
| Return on Equity (ROE) | 0.0281% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.0281% | 5,946 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4731% | 1,298 |
| Assets per employee ($millions) | 3.5216% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 2,162 |
| Loan loss allowance to noncurrent loans | 136.2620% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.9876% | 4,777 |
| Noncurrent loans to loans | 1.5152% | 4,016 |
| Net loans and leases to total assets | 63.8307% | 3,343 |
| Net loans and leases to deposits | 75.3422% | 3,445 |
| Net loans and leases to core deposits | 87.9950% | 2,493 |
| Total domestic deposits to total assets | 84.7211% | 3,900 |
| Equity capital to assets | 14.9413% | 865 |
| Core capital (leverage) ratio | 15.6534% | 554 |
| Tier 1 risk-based capital ratio | 21.6679% | 1,342 |
| Total risk-based capital ratio | 22.9266% | 1,311 |
| Memoranda: | ||
| Average total assets | $57,271,000 | 6,177 |
| Average earning assets | $55,377,000 | 6,055 |
| Average equity | $9,488,250 | 5,180 |
| Average total loans | $40,633,500 | 5,718 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 4,287 |
| Cost of funding earning assets | 0.9318% | 4,445 |
| Net interest margin | 3.8208% | 3,686 |
| Noninterest income to average assets | 0.1738% | 6,418 |
| Noninterest expense to average assets | 3.1612% | 3,044 |
| Loan and lease loss provision to assets | 0.4925% | 1,999 |
| Net operating income to assets | 0.2173% | 5,677 |
| Return on assets (ROA) | 0.2173% | 5,793 |
| Pretax return on assets | 0.2173% | 5,894 |
| Return on Equity (ROE) | 1.2640% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.2640% | 5,350 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6651% | 2,150 |
| Assets per employee ($millions) | 3.2138% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 2,623 |
| Loan loss allowance to noncurrent loans | 127.5917% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 4,227 |
| Noncurrent loans to loans | 1.5012% | 4,166 |
| Net loans and leases to total assets | 70.8184% | 2,049 |
| Net loans and leases to deposits | 85.1174% | 1,927 |
| Net loans and leases to core deposits | 102.1570% | 1,168 |
| Total domestic deposits to total assets | 83.2008% | 4,667 |
| Equity capital to assets | 16.4759% | 546 |
| Core capital (leverage) ratio | 16.8190% | 422 |
| Tier 1 risk-based capital ratio | 21.3762% | 1,350 |
| Total risk-based capital ratio | 22.6332% | 1,330 |
| Memoranda: | ||
| Average total assets | $55,232,000 | 6,287 |
| Average earning assets | $53,445,000 | 6,164 |
| Average equity | $9,494,000 | 5,187 |
| Average total loans | $40,406,670 | 5,785 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 3,569 |
| Cost of funding earning assets | 0.9578% | 4,507 |
| Net interest margin | 3.9463% | 2,932 |
| Noninterest income to average assets | 0.1558% | 6,604 |
| Noninterest expense to average assets | 3.1081% | 3,213 |
| Loan and lease loss provision to assets | 0.5044% | 1,725 |
| Net operating income to assets | 0.3635% | 5,108 |
| Return on assets (ROA) | 0.3635% | 5,191 |
| Pretax return on assets | 0.3635% | 5,458 |
| Return on Equity (ROE) | 2.0685% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.0685% | 4,902 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1716% | 2,820 |
| Assets per employee ($millions) | 4.5944% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,966 |
| Loan loss allowance to noncurrent loans | 360.5911% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 5,699 |
| Noncurrent loans to loans | 0.5032% | 6,015 |
| Net loans and leases to total assets | 71.8444% | 1,751 |
| Net loans and leases to deposits | 87.1162% | 1,579 |
| Net loans and leases to core deposits | 106.6563% | 909 |
| Total domestic deposits to total assets | 82.4697% | 5,121 |
| Equity capital to assets | 17.2347% | 421 |
| Core capital (leverage) ratio | 17.2324% | 382 |
| Tier 1 risk-based capital ratio | 21.6509% | 1,292 |
| Total risk-based capital ratio | 22.9071% | 1,266 |
| Memoranda: | ||
| Average total assets | $53,924,000 | 6,375 |
| Average earning assets | $52,201,000 | 6,264 |
| Average equity | $9,475,500 | 5,187 |
| Average total loans | $39,726,500 | 5,864 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8517% | 5,226 |
| Cost of funding earning assets | 1.0450% | 5,457 |
| Net interest margin | 3.8067% | 3,911 |
| Noninterest income to average assets | 0.1695% | 6,520 |
| Noninterest expense to average assets | 2.8994% | 4,226 |
| Loan and lease loss provision to assets | 0.6191% | 2,657 |
| Net operating income to assets | 0.3429% | 4,778 |
| Return on assets (ROA) | 0.3429% | 4,936 |
| Pretax return on assets | 0.3429% | 5,105 |
| Return on Equity (ROE) | 1.9259% | 5,409 |
| Retained earnings to average equity (ytd only) | 1.9259% | 4,513 |
| Net charge-offs to loans | 0.2125% | 5,015 |
| Credit loss provision to net charge-offs | 416.6667% | 572 |
| Earnings coverage of net charge-offs (x) | 6.4744% | 2,351 |
| Efficiency ratio | 75.0863% | 3,194 |
| Assets per employee ($millions) | 4.3929% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 3,225 |
| Loan loss allowance to noncurrent loans | 1,443.4783% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 6,376 |
| Noncurrent loans to loans | 0.1176% | 6,849 |
| Net loans and leases to total assets | 72.9337% | 1,895 |
| Net loans and leases to deposits | 89.2435% | 1,615 |
| Net loans and leases to core deposits | 106.9071% | 1,134 |
| Total domestic deposits to total assets | 81.7244% | 5,282 |
| Equity capital to assets | 17.9247% | 378 |
| Core capital (leverage) ratio | 16.4411% | 452 |
| Tier 1 risk-based capital ratio | 22.4274% | 1,119 |
| Total risk-based capital ratio | 23.6805% | 1,097 |
| Memoranda: | ||
| Average total assets | $52,493,600 | 6,444 |
| Average earning assets | $50,910,000 | 6,331 |
| Average equity | $9,346,400 | 5,317 |
| Average total loans | $36,700,200 | 6,081 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 5,564 |
| Cost of funding earning assets | 1.0351% | 5,776 |
| Net interest margin | 3.7892% | 4,012 |
| Noninterest income to average assets | 0.1729% | 6,644 |
| Noninterest expense to average assets | 2.8935% | 4,116 |
| Loan and lease loss provision to assets | 0.5746% | 2,641 |
| Net operating income to assets | 0.3814% | 4,826 |
| Return on assets (ROA) | 0.3814% | 5,018 |
| Pretax return on assets | 0.3814% | 5,276 |
| Return on Equity (ROE) | 2.1458% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.1458% | 4,890 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1651% | 3,110 |
| Assets per employee ($millions) | 5.6792% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 3,061 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 7,153 |
| Noncurrent loans to loans | 0.1236% | 6,934 |
| Net loans and leases to total assets | 58.5280% | 5,179 |
| Net loans and leases to deposits | 69.2350% | 5,241 |
| Net loans and leases to core deposits | 79.4934% | 4,589 |
| Total domestic deposits to total assets | 84.5352% | 3,854 |
| Equity capital to assets | 15.1158% | 863 |
| Core capital (leverage) ratio | 17.5132% | 386 |
| Tier 1 risk-based capital ratio | 21.4479% | 1,295 |
| Total risk-based capital ratio | 22.7012% | 1,270 |
| Memoranda: | ||
| Average total assets | $52,438,250 | 6,521 |
| Average earning assets | $50,880,250 | 6,406 |
| Average equity | $9,320,750 | 5,398 |
| Average total loans | $36,097,500 | 6,199 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 4,519 |
| Cost of funding earning assets | 1.0856% | 5,754 |
| Net interest margin | 4.0016% | 3,010 |
| Noninterest income to average assets | 0.1792% | 6,624 |
| Noninterest expense to average assets | 3.0472% | 3,528 |
| Loan and lease loss provision to assets | 0.6070% | 2,365 |
| Net operating income to assets | 0.3992% | 4,761 |
| Return on assets (ROA) | 0.3992% | 4,917 |
| Pretax return on assets | 0.3992% | 5,227 |
| Return on Equity (ROE) | 2.1121% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.1121% | 4,803 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1759% | 3,228 |
| Assets per employee ($millions) | 4.6807% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 3,747 |
| Loan loss allowance to noncurrent loans | 63.0701% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.7460% | 3,828 |
| Noncurrent loans to loans | 2.4319% | 3,219 |
| Net loans and leases to total assets | 70.6961% | 2,751 |
| Net loans and leases to deposits | 86.7700% | 2,384 |
| Net loans and leases to core deposits | 101.4069% | 1,877 |
| Total domestic deposits to total assets | 81.4753% | 5,209 |
| Equity capital to assets | 18.1945% | 401 |
| Core capital (leverage) ratio | 18.0676% | 354 |
| Tier 1 risk-based capital ratio | 22.4142% | 1,138 |
| Total risk-based capital ratio | 23.6667% | 1,115 |
| Memoranda: | ||
| Average total assets | $49,094,000 | 6,691 |
| Average earning assets | $47,531,330 | 6,573 |
| Average equity | $9,280,000 | 5,421 |
| Average total loans | $35,727,670 | 6,258 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 5,548 |
| Cost of funding earning assets | 1.0696% | 6,042 |
| Net interest margin | 3.8127% | 3,736 |
| Noninterest income to average assets | 0.1754% | 6,708 |
| Noninterest expense to average assets | 3.0649% | 3,409 |
| Loan and lease loss provision to assets | 0.5011% | 2,490 |
| Net operating income to assets | 0.3006% | 5,298 |
| Return on assets (ROA) | 0.3006% | 5,429 |
| Pretax return on assets | 0.3006% | 5,601 |
| Return on Equity (ROE) | 1.5591% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.5591% | 5,165 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2657% | 2,676 |
| Assets per employee ($millions) | 4.4999% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 5,045 |
| Loan loss allowance to noncurrent loans | 478.0000% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 6,959 |
| Noncurrent loans to loans | 0.2678% | 6,788 |
| Net loans and leases to total assets | 74.4601% | 1,872 |
| Net loans and leases to deposits | 91.8829% | 1,627 |
| Net loans and leases to core deposits | 108.1707% | 1,403 |
| Total domestic deposits to total assets | 81.0380% | 5,446 |
| Equity capital to assets | 18.7155% | 358 |
| Core capital (leverage) ratio | 19.6993% | 270 |
| Tier 1 risk-based capital ratio | 22.8496% | 1,099 |
| Total risk-based capital ratio | 24.0338% | 1,081 |
| Memoranda: | ||
| Average total assets | $47,897,000 | 6,811 |
| Average earning assets | $46,371,500 | 6,687 |
| Average equity | $9,236,000 | 5,472 |
| Average total loans | $35,108,000 | 6,363 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3753% | 4,811 |
| Cost of funding earning assets | 1.5330% | 5,366 |
| Net interest margin | 3.8423% | 3,521 |
| Noninterest income to average assets | 0.1964% | 6,689 |
| Noninterest expense to average assets | 3.6378% | 2,063 |
| Loan and lease loss provision to assets | 0.6952% | 3,039 |
| Net operating income to assets | -0.4590% | 6,136 |
| Return on assets (ROA) | -0.4590% | 6,134 |
| Pretax return on assets | -0.4590% | 5,973 |
| Return on Equity (ROE) | -1.8744% | 5,838 |
| Retained earnings to average equity (ytd only) | -1.8744% | 5,490 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9041% | 1,420 |
| Assets per employee ($millions) | 4.2086% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 4,935 |
| Loan loss allowance to noncurrent loans | 413.8614% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 6,917 |
| Noncurrent loans to loans | 0.3072% | 6,664 |
| Net loans and leases to total assets | 70.1220% | 3,230 |
| Net loans and leases to deposits | 87.8899% | 2,571 |
| Net loans and leases to core deposits | 140.3320% | 799 |
| Total domestic deposits to total assets | 79.7840% | 5,736 |
| Equity capital to assets | 19.8898% | 302 |
| Core capital (leverage) ratio | 21.1664% | 229 |
| Tier 1 risk-based capital ratio | 24.2122% | 928 |
| Total risk-based capital ratio | 25.3145% | 918 |
| Memoranda: | ||
| Average total assets | $37,687,400 | 7,180 |
| Average earning assets | $36,072,600 | 7,101 |
| Average equity | $9,229,400 | 5,537 |
| Average total loans | $28,005,200 | 6,741 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 4,488 |
| Cost of funding earning assets | 1.6205% | 5,307 |
| Net interest margin | 3.8663% | 3,358 |
| Noninterest income to average assets | 0.1988% | 6,796 |
| Noninterest expense to average assets | 3.8496% | 1,512 |
| Loan and lease loss provision to assets | 0.7804% | 2,424 |
| Net operating income to assets | -0.7429% | 6,640 |
| Return on assets (ROA) | -0.7429% | 6,654 |
| Pretax return on assets | -0.7429% | 6,514 |
| Return on Equity (ROE) | -2.8587% | 6,224 |
| Retained earnings to average equity (ytd only) | -2.8587% | 5,911 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0347% | 1,111 |
| Assets per employee ($millions) | 3.7766% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 5,064 |
| Loan loss allowance to noncurrent loans | 356.8627% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 6,902 |
| Noncurrent loans to loans | 0.3382% | 6,683 |
| Net loans and leases to total assets | 71.7329% | 3,096 |
| Net loans and leases to deposits | 92.6530% | 2,122 |
| Net loans and leases to core deposits | 135.8002% | 1,112 |
| Total domestic deposits to total assets | 77.4210% | 6,233 |
| Equity capital to assets | 22.1241% | 242 |
| Core capital (leverage) ratio | 23.2235% | 202 |
| Tier 1 risk-based capital ratio | 25.1408% | 878 |
| Total risk-based capital ratio | 26.1408% | 886 |
| Memoranda: | ||
| Average total assets | $35,535,500 | 7,321 |
| Average earning assets | $33,898,750 | 7,251 |
| Average equity | $9,234,750 | 5,577 |
| Average total loans | $26,786,250 | 6,868 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4997% | 4,638 |
| Cost of funding earning assets | 1.6618% | 5,464 |
| Net interest margin | 3.8379% | 3,378 |
| Noninterest income to average assets | 0.2028% | 6,843 |
| Noninterest expense to average assets | 4.0975% | 1,193 |
| Loan and lease loss provision to assets | 0.7813% | 2,129 |
| Net operating income to assets | -1.0259% | 7,006 |
| Return on assets (ROA) | -1.0259% | 7,001 |
| Pretax return on assets | -1.0259% | 6,830 |
| Return on Equity (ROE) | -3.7192% | 6,447 |
| Retained earnings to average equity (ytd only) | -3.7192% | 6,085 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3467% | 958 |
| Assets per employee ($millions) | 3.2139% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 6,575 |
| Loan loss allowance to noncurrent loans | 275.9615% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 6,736 |
| Noncurrent loans to loans | 0.3427% | 6,657 |
| Net loans and leases to total assets | 85.0168% | 506 |
| Net loans and leases to deposits | 115.4978% | 346 |
| Net loans and leases to core deposits | 163.0200% | 403 |
| Total domestic deposits to total assets | 73.6090% | 7,019 |
| Equity capital to assets | 25.9412% | 184 |
| Core capital (leverage) ratio | 26.0948% | 187 |
| Tier 1 risk-based capital ratio | 27.6794% | 737 |
| Total risk-based capital ratio | 28.5456% | 741 |
| Memoranda: | ||
| Average total assets | $33,533,000 | 7,467 |
| Average earning assets | $31,892,670 | 7,405 |
| Average equity | $9,249,330 | 5,597 |
| Average total loans | $25,660,330 | 6,986 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 5,410 |
| Cost of funding earning assets | 1.6586% | 5,781 |
| Net interest margin | 3.7449% | 3,678 |
| Noninterest income to average assets | 0.1962% | 6,892 |
| Noninterest expense to average assets | 4.1075% | 1,054 |
| Loan and lease loss provision to assets | 0.7234% | 1,773 |
| Net operating income to assets | -1.0913% | 7,305 |
| Return on assets (ROA) | -1.0913% | 7,315 |
| Pretax return on assets | -1.0913% | 7,192 |
| Return on Equity (ROE) | -3.8327% | 6,874 |
| Retained earnings to average equity (ytd only) | -3.8327% | 6,408 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8361% | 815 |
| Assets per employee ($millions) | 3.1234% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 6,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 73.6182% | 2,864 |
| Net loans and leases to deposits | 101.2489% | 1,256 |
| Net loans and leases to core deposits | 152.6341% | 629 |
| Total domestic deposits to total assets | 72.7101% | 7,100 |
| Equity capital to assets | 26.9145% | 184 |
| Core capital (leverage) ratio | 27.1899% | 187 |
| Tier 1 risk-based capital ratio | 29.5111% | 653 |
| Total risk-based capital ratio | 30.1972% | 675 |
| Memoranda: | ||
| Average total assets | $32,623,000 | 7,543 |
| Average earning assets | $30,869,000 | 7,481 |
| Average equity | $9,288,500 | 5,607 |
| Average total loans | $23,319,000 | 7,170 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4320% | 7,420 |
| Cost of funding earning assets | 1.4969% | 7,618 |
| Net interest margin | 3.9351% | 3,420 |
| Noninterest income to average assets | 0.2069% | 6,959 |
| Noninterest expense to average assets | 5.2188% | 570 |
| Loan and lease loss provision to assets | 0.5387% | 2,671 |
| Net operating income to assets | -1.8463% | 7,569 |
| Return on assets (ROA) | -1.8463% | 7,522 |
| Pretax return on assets | -1.8463% | 7,388 |
| Return on Equity (ROE) | -4.9777% | 6,865 |
| Retained earnings to average equity (ytd only) | -4.9777% | 6,511 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.4331% | 440 |
| Assets per employee ($millions) | 2.8081% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 7,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 67.9012% | 4,481 |
| Net loans and leases to deposits | 97.9361% | 2,136 |
| Net loans and leases to core deposits | 150.2328% | 845 |
| Total domestic deposits to total assets | 69.3321% | 7,348 |
| Equity capital to assets | 30.2049% | 173 |
| Core capital (leverage) ratio | 33.7872% | 144 |
| Tier 1 risk-based capital ratio | 32.5927% | 524 |
| Total risk-based capital ratio | 33.1377% | 543 |
| Memoranda: | ||
| Average total assets | $25,618,800 | 7,822 |
| Average earning assets | $24,116,200 | 7,777 |
| Average equity | $9,502,400 | 5,571 |
| Average total loans | $13,045,000 | 7,767 |