Home > First South Bank > Performance and Condition Ratios
First South 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 | 5.1831% | 940 |
| Cost of funding earning assets | 1.3685% | 514 |
| Net interest margin | 3.8146% | 2,470 |
| Noninterest income to average assets | 0.3359% | 3,615 |
| Noninterest expense to average assets | 2.9759% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7292% | 3,850 |
| Return on assets (ROA) | 0.7292% | 3,896 |
| Pretax return on assets | 0.7241% | 4,244 |
| Return on Equity (ROE) | 6.6669% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.6669% | 2,169 |
| Net charge-offs to loans | -0.0374% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4288% | 1,017 |
| Assets per employee ($millions) | 4.8113% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,275 |
| Loan loss allowance to noncurrent loans | 56.8087% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 2.7414% | 252 |
| Noncurrent loans to loans | 2.2165% | 638 |
| Net loans and leases to total assets | 76.7387% | 1,361 |
| Net loans and leases to deposits | 86.9222% | 2,010 |
| Net loans and leases to core deposits | 97.3813% | 1,827 |
| Total domestic deposits to total assets | 88.2843% | 1,200 |
| Equity capital to assets | 11.1698% | 2,685 |
| Core capital (leverage) ratio | 10.5120% | 3,039 |
| Tier 1 risk-based capital ratio | 12.5550% | 4,129 |
| Total risk-based capital ratio | 13.7276% | 4,050 |
| Memoranda: | ||
| Average total assets | $236,970,500 | 2,596 |
| Average earning assets | $208,988,500 | 2,678 |
| Average equity | $25,919,000 | 2,649 |
| Average total loans | $182,046,000 | 2,348 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1684% | 738 |
| Cost of funding earning assets | 1.0248% | 682 |
| Net interest margin | 4.1436% | 1,544 |
| Noninterest income to average assets | 0.3283% | 3,909 |
| Noninterest expense to average assets | 2.8592% | 2,488 |
| Loan and lease loss provision to assets | -0.0184% | 5,132 |
| Net operating income to assets | 1.8898% | 459 |
| Return on assets (ROA) | 1.8898% | 454 |
| Pretax return on assets | 1.1308% | 3,166 |
| Return on Equity (ROE) | 19.1426% | 304 |
| Retained earnings to average equity (ytd only) | 19.1426% | 40 |
| Net charge-offs to loans | -0.0972% | 5,143 |
| Credit loss provision to net charge-offs | 25.9036% | 3,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9905% | 1,900 |
| Assets per employee ($millions) | 4.8610% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,219 |
| Loan loss allowance to noncurrent loans | 70.3533% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.6005% | 278 |
| Noncurrent loans to loans | 1.7996% | 793 |
| Net loans and leases to total assets | 74.9749% | 1,779 |
| Net loans and leases to deposits | 84.6942% | 2,440 |
| Net loans and leases to core deposits | 94.5599% | 2,182 |
| Total domestic deposits to total assets | 88.5242% | 1,062 |
| Equity capital to assets | 10.7079% | 2,973 |
| Core capital (leverage) ratio | 10.2208% | 3,338 |
| Tier 1 risk-based capital ratio | 12.3210% | 4,225 |
| Total risk-based capital ratio | 13.4837% | 4,164 |
| Memoranda: | ||
| Average total assets | $234,257,800 | 2,583 |
| Average earning assets | $205,981,800 | 2,671 |
| Average equity | $23,126,400 | 2,801 |
| Average total loans | $170,836,600 | 2,433 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 1,419 |
| Cost of funding earning assets | 0.9386% | 779 |
| Net interest margin | 3.8645% | 2,420 |
| Noninterest income to average assets | 0.3275% | 3,955 |
| Noninterest expense to average assets | 2.8481% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9227% | 457 |
| Return on assets (ROA) | 1.9227% | 457 |
| Pretax return on assets | 0.8728% | 4,110 |
| Return on Equity (ROE) | 19.9062% | 282 |
| Retained earnings to average equity (ytd only) | 19.9062% | 55 |
| Net charge-offs to loans | -0.1069% | 5,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5438% | 1,285 |
| Assets per employee ($millions) | 4.8327% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 1,961 |
| Loan loss allowance to noncurrent loans | 78.3526% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 2.7884% | 286 |
| Noncurrent loans to loans | 1.6987% | 918 |
| Net loans and leases to total assets | 72.0643% | 2,322 |
| Net loans and leases to deposits | 85.3689% | 2,437 |
| Net loans and leases to core deposits | 93.7848% | 2,308 |
| Total domestic deposits to total assets | 84.4152% | 2,806 |
| Equity capital to assets | 10.2022% | 3,452 |
| Core capital (leverage) ratio | 10.0374% | 3,597 |
| Tier 1 risk-based capital ratio | 12.1141% | 4,437 |
| Total risk-based capital ratio | 13.3159% | 4,350 |
| Memoranda: | ||
| Average total assets | $233,275,000 | 2,598 |
| Average earning assets | $204,831,250 | 2,697 |
| Average equity | $22,531,750 | 2,872 |
| Average total loans | $168,327,750 | 2,469 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 1,637 |
| Cost of funding earning assets | 0.8677% | 841 |
| Net interest margin | 3.7850% | 2,621 |
| Noninterest income to average assets | 0.3964% | 3,513 |
| Noninterest expense to average assets | 2.9375% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.4610% | 159 |
| Return on assets (ROA) | 2.4610% | 158 |
| Pretax return on assets | 0.7893% | 4,277 |
| Return on Equity (ROE) | 25.9762% | 67 |
| Retained earnings to average equity (ytd only) | 25.9762% | 17 |
| Net charge-offs to loans | -0.1259% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8208% | 1,134 |
| Assets per employee ($millions) | 4.4974% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 2,133 |
| Loan loss allowance to noncurrent loans | 58.8296% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 3.3143% | 204 |
| Noncurrent loans to loans | 2.2228% | 620 |
| Net loans and leases to total assets | 74.7590% | 1,823 |
| Net loans and leases to deposits | 90.6387% | 1,758 |
| Net loans and leases to core deposits | 99.7110% | 1,758 |
| Total domestic deposits to total assets | 82.4802% | 3,566 |
| Equity capital to assets | 10.2416% | 3,396 |
| Core capital (leverage) ratio | 9.9701% | 3,608 |
| Tier 1 risk-based capital ratio | 11.7607% | 4,644 |
| Total risk-based capital ratio | 12.9380% | 4,571 |
| Memoranda: | ||
| Average total assets | $232,099,670 | 2,617 |
| Average earning assets | $204,225,670 | 2,712 |
| Average equity | $21,989,330 | 2,926 |
| Average total loans | $166,786,670 | 2,494 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 1,707 |
| Cost of funding earning assets | 0.8222% | 860 |
| Net interest margin | 3.7310% | 2,683 |
| Noninterest income to average assets | 0.3238% | 3,987 |
| Noninterest expense to average assets | 2.9126% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8207% | 3,627 |
| Return on assets (ROA) | 0.8207% | 3,638 |
| Pretax return on assets | 0.7076% | 4,421 |
| Return on Equity (ROE) | 9.0214% | 2,900 |
| Retained earnings to average equity (ytd only) | 9.0214% | 1,451 |
| Net charge-offs to loans | -0.0882% | 5,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4543% | 1,093 |
| Assets per employee ($millions) | 4.4942% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,019 |
| Loan loss allowance to noncurrent loans | 56.7930% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 3.3398% | 215 |
| Noncurrent loans to loans | 2.3775% | 592 |
| Net loans and leases to total assets | 70.2241% | 2,446 |
| Net loans and leases to deposits | 84.1155% | 2,378 |
| Net loans and leases to core deposits | 91.7876% | 2,319 |
| Total domestic deposits to total assets | 83.4853% | 3,509 |
| Equity capital to assets | 9.2643% | 4,304 |
| Core capital (leverage) ratio | 9.5204% | 4,047 |
| Tier 1 risk-based capital ratio | 12.0511% | 4,522 |
| Total risk-based capital ratio | 13.2461% | 4,444 |
| Memoranda: | ||
| Average total assets | $233,465,000 | 2,633 |
| Average earning assets | $206,270,000 | 2,730 |
| Average equity | $21,238,500 | 3,025 |
| Average total loans | $163,307,000 | 2,539 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 2,621 |
| Cost of funding earning assets | 0.8396% | 504 |
| Net interest margin | 3.3780% | 3,916 |
| Noninterest income to average assets | -0.2931% | 5,655 |
| Noninterest expense to average assets | 3.1475% | 1,723 |
| Loan and lease loss provision to assets | -0.0422% | 5,382 |
| Net operating income to assets | -0.4008% | 5,504 |
| Return on assets (ROA) | -0.4008% | 5,502 |
| Pretax return on assets | -0.4008% | 5,532 |
| Return on Equity (ROE) | -5.8826% | 5,556 |
| Retained earnings to average equity (ytd only) | -5.8826% | 5,464 |
| Net charge-offs to loans | -0.1588% | 5,477 |
| Credit loss provision to net charge-offs | 38.6100% | 3,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3829% | 74 |
| Assets per employee ($millions) | 4.7546% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 2,088 |
| Loan loss allowance to noncurrent loans | 55.7930% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 3.2979% | 219 |
| Noncurrent loans to loans | 2.3762% | 584 |
| Net loans and leases to total assets | 67.8460% | 2,838 |
| Net loans and leases to deposits | 80.6792% | 2,847 |
| Net loans and leases to core deposits | 87.3561% | 2,783 |
| Total domestic deposits to total assets | 84.0936% | 3,167 |
| Equity capital to assets | 8.9358% | 4,781 |
| Core capital (leverage) ratio | 9.2056% | 4,389 |
| Tier 1 risk-based capital ratio | 11.8390% | 4,634 |
| Total risk-based capital ratio | 13.0190% | 4,563 |
| Memoranda: | ||
| Average total assets | $236,762,200 | 2,593 |
| Average earning assets | $210,097,200 | 2,665 |
| Average equity | $16,132,400 | 3,575 |
| Average total loans | $163,103,400 | 2,506 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 2,684 |
| Cost of funding earning assets | 0.8509% | 451 |
| Net interest margin | 3.3280% | 4,082 |
| Noninterest income to average assets | -0.4482% | 5,731 |
| Noninterest expense to average assets | 3.1884% | 1,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.6821% | 5,649 |
| Return on assets (ROA) | -0.6821% | 5,648 |
| Pretax return on assets | -0.6821% | 5,642 |
| Return on Equity (ROE) | -10.8604% | 5,677 |
| Retained earnings to average equity (ytd only) | -10.8604% | 5,619 |
| Net charge-offs to loans | -0.1080% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.2155% | 51 |
| Assets per employee ($millions) | 4.7543% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,146 |
| Loan loss allowance to noncurrent loans | 53.9043% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 3.4651% | 226 |
| Noncurrent loans to loans | 2.4930% | 616 |
| Net loans and leases to total assets | 66.0912% | 3,091 |
| Net loans and leases to deposits | 78.6263% | 3,107 |
| Net loans and leases to core deposits | 84.4612% | 3,091 |
| Total domestic deposits to total assets | 84.0573% | 3,104 |
| Equity capital to assets | 8.9629% | 4,942 |
| Core capital (leverage) ratio | 9.0636% | 4,670 |
| Tier 1 risk-based capital ratio | 11.7615% | 4,797 |
| Total risk-based capital ratio | 12.9333% | 4,728 |
| Memoranda: | ||
| Average total assets | $236,520,750 | 2,610 |
| Average earning assets | $209,970,000 | 2,683 |
| Average equity | $14,854,750 | 3,770 |
| Average total loans | $163,015,250 | 2,518 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,180 |
| Cost of funding earning assets | 0.8910% | 324 |
| Net interest margin | 3.1166% | 4,637 |
| Noninterest income to average assets | -0.7776% | 5,783 |
| Noninterest expense to average assets | 3.3855% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.3900% | 5,743 |
| Return on assets (ROA) | -1.3900% | 5,743 |
| Pretax return on assets | -1.3900% | 5,741 |
| Return on Equity (ROE) | -25.8337% | 5,763 |
| Retained earnings to average equity (ytd only) | -25.8337% | 5,736 |
| Net charge-offs to loans | 0.0122% | 3,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -164.1000% | 3,509 |
| Efficiency ratio | 169.6520% | 18 |
| Assets per employee ($millions) | 4.7935% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,662 |
| Loan loss allowance to noncurrent loans | 29.1636% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 4.7568% | 118 |
| Noncurrent loans to loans | 4.3007% | 201 |
| Net loans and leases to total assets | 65.6315% | 3,159 |
| Net loans and leases to deposits | 77.8131% | 3,136 |
| Net loans and leases to core deposits | 83.5323% | 3,119 |
| Total domestic deposits to total assets | 84.3451% | 3,069 |
| Equity capital to assets | 8.7656% | 5,091 |
| Core capital (leverage) ratio | 9.1416% | 4,566 |
| Tier 1 risk-based capital ratio | 11.8722% | 4,716 |
| Total risk-based capital ratio | 12.9992% | 4,693 |
| Memoranda: | ||
| Average total assets | $236,123,000 | 2,630 |
| Average earning assets | $210,103,330 | 2,697 |
| Average equity | $12,704,330 | 4,076 |
| Average total loans | $164,271,000 | 2,505 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 2,786 |
| Cost of funding earning assets | 1.0134% | 157 |
| Net interest margin | 3.0518% | 4,785 |
| Noninterest income to average assets | 0.1895% | 5,143 |
| Noninterest expense to average assets | 2.9665% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0734% | 5,637 |
| Return on assets (ROA) | -0.0734% | 5,643 |
| Pretax return on assets | -0.0734% | 5,630 |
| Return on Equity (ROE) | -2.0112% | 5,682 |
| Retained earnings to average equity (ytd only) | -2.0112% | 5,169 |
| Net charge-offs to loans | 0.0120% | 2,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -8.6000% | 2,914 |
| Efficiency ratio | 102.5369% | 196 |
| Assets per employee ($millions) | 4.5920% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 3,078 |
| Loan loss allowance to noncurrent loans | 26.6179% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 5.5417% | 93 |
| Noncurrent loans to loans | 4.5417% | 197 |
| Net loans and leases to total assets | 69.8937% | 2,402 |
| Net loans and leases to deposits | 78.1969% | 2,947 |
| Net loans and leases to core deposits | 83.8657% | 2,912 |
| Total domestic deposits to total assets | 89.3817% | 957 |
| Equity capital to assets | 3.7085% | 5,842 |
| Core capital (leverage) ratio | 3.9041% | 5,844 |
| Tier 1 risk-based capital ratio | 4.8829% | 5,847 |
| Total risk-based capital ratio | 5.9523% | 5,847 |
| Memoranda: | ||
| Average total assets | $234,346,500 | 2,666 |
| Average earning assets | $207,618,500 | 2,753 |
| Average equity | $8,552,000 | 4,804 |
| Average total loans | $166,756,000 | 2,494 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 3,136 |
| Cost of funding earning assets | 1.0011% | 171 |
| Net interest margin | 3.0148% | 4,926 |
| Noninterest income to average assets | -0.1548% | 5,895 |
| Noninterest expense to average assets | 3.1082% | 2,007 |
| Loan and lease loss provision to assets | -0.2086% | 5,789 |
| Net operating income to assets | -0.4514% | 5,776 |
| Return on assets (ROA) | -0.4014% | 5,773 |
| Pretax return on assets | -0.4022% | 5,764 |
| Return on Equity (ROE) | -9.6790% | 5,835 |
| Retained earnings to average equity (ytd only) | -9.6790% | 5,783 |
| Net charge-offs to loans | 0.0137% | 3,826 |
| Credit loss provision to net charge-offs | -2,272.7273% | 5,397 |
| Earnings coverage of net charge-offs (x) | -72.0000% | 4,273 |
| Efficiency ratio | 127.0031% | 71 |
| Assets per employee ($millions) | 4.3426% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 3,146 |
| Loan loss allowance to noncurrent loans | 22.9067% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 6.7897% | 72 |
| Noncurrent loans to loans | 5.2233% | 145 |
| Net loans and leases to total assets | 70.7100% | 2,380 |
| Net loans and leases to deposits | 78.9981% | 2,991 |
| Net loans and leases to core deposits | 84.6532% | 2,966 |
| Total domestic deposits to total assets | 89.5084% | 854 |
| Equity capital to assets | 3.5901% | 5,898 |
| Core capital (leverage) ratio | 3.8624% | 5,898 |
| Tier 1 risk-based capital ratio | 4.8112% | 5,897 |
| Total risk-based capital ratio | 5.8625% | 5,900 |
| Memoranda: | ||
| Average total assets | $239,685,800 | 2,580 |
| Average earning assets | $206,880,600 | 2,722 |
| Average equity | $9,939,000 | 4,591 |
| Average total loans | $160,117,000 | 2,520 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,189 |
| Cost of funding earning assets | 0.9901% | 180 |
| Net interest margin | 3.0213% | 4,972 |
| Noninterest income to average assets | 0.3679% | 4,143 |
| Noninterest expense to average assets | 3.0552% | 2,140 |
| Loan and lease loss provision to assets | -0.2766% | 5,900 |
| Net operating income to assets | 0.1837% | 5,492 |
| Return on assets (ROA) | 0.2501% | 5,461 |
| Pretax return on assets | 0.2490% | 5,522 |
| Return on Equity (ROE) | 5.8402% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.8402% | 2,275 |
| Net charge-offs to loans | 0.0287% | 3,086 |
| Credit loss provision to net charge-offs | -1,470.5882% | 5,268 |
| Earnings coverage of net charge-offs (x) | -5.0002% | 3,897 |
| Efficiency ratio | 103.1764% | 188 |
| Assets per employee ($millions) | 4.6304% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 3,058 |
| Loan loss allowance to noncurrent loans | 31.6023% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 6.4050% | 89 |
| Noncurrent loans to loans | 3.8959% | 289 |
| Net loans and leases to total assets | 66.5023% | 3,040 |
| Net loans and leases to deposits | 75.0939% | 3,488 |
| Net loans and leases to core deposits | 79.9051% | 3,451 |
| Total domestic deposits to total assets | 88.5589% | 1,125 |
| Equity capital to assets | 4.7018% | 5,954 |
| Core capital (leverage) ratio | 4.5047% | 5,955 |
| Tier 1 risk-based capital ratio | 5.6417% | 5,964 |
| Total risk-based capital ratio | 6.7040% | 5,965 |
| Memoranda: | ||
| Average total assets | $240,981,500 | 2,578 |
| Average earning assets | $206,836,750 | 2,732 |
| Average equity | $10,319,000 | 4,564 |
| Average total loans | $158,190,000 | 2,546 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 3,346 |
| Cost of funding earning assets | 0.9920% | 179 |
| Net interest margin | 2.9781% | 5,122 |
| Noninterest income to average assets | 0.0440% | 5,926 |
| Noninterest expense to average assets | 3.0824% | 2,108 |
| Loan and lease loss provision to assets | -0.4149% | 6,006 |
| Net operating income to assets | -0.0701% | 5,801 |
| Return on assets (ROA) | -0.0075% | 5,799 |
| Pretax return on assets | -0.0091% | 5,794 |
| Return on Equity (ROE) | -0.1803% | 5,803 |
| Retained earnings to average equity (ytd only) | -0.1803% | 5,320 |
| Net charge-offs to loans | 0.0115% | 3,317 |
| Credit loss provision to net charge-offs | -5,555.5556% | 5,334 |
| Earnings coverage of net charge-offs (x) | -67.0000% | 3,675 |
| Efficiency ratio | 119.3766% | 93 |
| Assets per employee ($millions) | 4.6261% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 3,008 |
| Loan loss allowance to noncurrent loans | 32.0743% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 6.9758% | 80 |
| Noncurrent loans to loans | 3.9293% | 304 |
| Net loans and leases to total assets | 67.1116% | 2,923 |
| Net loans and leases to deposits | 75.6750% | 3,417 |
| Net loans and leases to core deposits | 80.6361% | 3,398 |
| Total domestic deposits to total assets | 88.6840% | 1,070 |
| Equity capital to assets | 4.4729% | 6,036 |
| Core capital (leverage) ratio | 4.2312% | 6,037 |
| Tier 1 risk-based capital ratio | 5.3225% | 6,042 |
| Total risk-based capital ratio | 6.3834% | 6,044 |
| Memoranda: | ||
| Average total assets | $241,048,330 | 2,595 |
| Average earning assets | $205,436,000 | 2,756 |
| Average equity | $9,985,000 | 4,647 |
| Average total loans | $156,879,670 | 2,564 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 3,597 |
| Cost of funding earning assets | 0.9846% | 186 |
| Net interest margin | 2.9134% | 5,303 |
| Noninterest income to average assets | 0.4696% | 3,343 |
| Noninterest expense to average assets | 3.1001% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1439% | 5,864 |
| Return on assets (ROA) | -0.1231% | 5,871 |
| Pretax return on assets | -0.1264% | 5,869 |
| Return on Equity (ROE) | -3.0925% | 5,941 |
| Retained earnings to average equity (ytd only) | -3.0925% | 5,480 |
| Net charge-offs to loans | 0.0619% | 1,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -3.7500% | 3,034 |
| Efficiency ratio | 105.0056% | 203 |
| Assets per employee ($millions) | 4.8886% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 1,564 |
| Loan loss allowance to noncurrent loans | 39.3716% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 7.2965% | 83 |
| Noncurrent loans to loans | 4.1027% | 285 |
| Net loans and leases to total assets | 62.4454% | 3,462 |
| Net loans and leases to deposits | 70.0088% | 3,859 |
| Net loans and leases to core deposits | 74.1985% | 3,873 |
| Total domestic deposits to total assets | 89.1965% | 1,002 |
| Equity capital to assets | 4.2221% | 6,097 |
| Core capital (leverage) ratio | 4.1312% | 6,096 |
| Tier 1 risk-based capital ratio | 5.1976% | 6,101 |
| Total risk-based capital ratio | 6.4483% | 6,103 |
| Memoranda: | ||
| Average total assets | $243,607,000 | 2,595 |
| Average earning assets | $207,595,500 | 2,745 |
| Average equity | $9,701,000 | 4,728 |
| Average total loans | $155,140,500 | 2,582 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 2,835 |
| Cost of funding earning assets | 0.9312% | 245 |
| Net interest margin | 3.1918% | 4,655 |
| Noninterest income to average assets | -0.2619% | 6,168 |
| Noninterest expense to average assets | 3.0943% | 2,257 |
| Loan and lease loss provision to assets | -0.7984% | 6,164 |
| Net operating income to assets | 0.1188% | 5,730 |
| Return on assets (ROA) | 0.2307% | 5,581 |
| Pretax return on assets | 0.2383% | 5,631 |
| Return on Equity (ROE) | 6.5442% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.5442% | 1,513 |
| Net charge-offs to loans | -0.0805% | 5,715 |
| Credit loss provision to net charge-offs | 1,652.8926% | 215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.9254% | 74 |
| Assets per employee ($millions) | 4.9548% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 1,528 |
| Loan loss allowance to noncurrent loans | 38.8633% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 7.9310% | 80 |
| Noncurrent loans to loans | 4.1962% | 275 |
| Net loans and leases to total assets | 62.8582% | 3,438 |
| Net loans and leases to deposits | 72.2492% | 3,689 |
| Net loans and leases to core deposits | 76.7728% | 3,685 |
| Total domestic deposits to total assets | 87.0020% | 2,133 |
| Equity capital to assets | 3.7408% | 6,160 |
| Core capital (leverage) ratio | 4.1404% | 6,158 |
| Tier 1 risk-based capital ratio | 5.2969% | 6,162 |
| Total risk-based capital ratio | 6.5478% | 6,163 |
| Memoranda: | ||
| Average total assets | $250,496,200 | 2,502 |
| Average earning assets | $210,380,000 | 2,674 |
| Average equity | $8,832,200 | 4,886 |
| Average total loans | $150,335,400 | 2,593 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0777% | 3,036 |
| Cost of funding earning assets | 0.9187% | 259 |
| Net interest margin | 3.1590% | 4,800 |
| Noninterest income to average assets | -0.1526% | 6,242 |
| Noninterest expense to average assets | 3.0060% | 2,504 |
| Loan and lease loss provision to assets | -0.5282% | 6,216 |
| Net operating income to assets | 0.0158% | 5,925 |
| Return on assets (ROA) | 0.1273% | 5,851 |
| Pretax return on assets | 0.1273% | 5,869 |
| Return on Equity (ROE) | 3.6641% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.6641% | 3,855 |
| Net charge-offs to loans | -0.1118% | 5,825 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5465% | 95 |
| Assets per employee ($millions) | 4.9811% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3142% | 565 |
| Loan loss allowance to noncurrent loans | 85.4655% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 7.5052% | 94 |
| Noncurrent loans to loans | 2.7078% | 709 |
| Net loans and leases to total assets | 59.8964% | 3,894 |
| Net loans and leases to deposits | 67.2138% | 4,264 |
| Net loans and leases to core deposits | 70.8209% | 4,292 |
| Total domestic deposits to total assets | 89.1132% | 968 |
| Equity capital to assets | 3.5956% | 6,248 |
| Core capital (leverage) ratio | 3.6851% | 6,246 |
| Tier 1 risk-based capital ratio | 4.7954% | 6,252 |
| Total risk-based capital ratio | 6.0522% | 6,253 |
| Memoranda: | ||
| Average total assets | $252,424,500 | 2,508 |
| Average earning assets | $211,454,500 | 2,683 |
| Average equity | $8,769,750 | 4,962 |
| Average total loans | $149,134,500 | 2,618 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 3,212 |
| Cost of funding earning assets | 0.9002% | 289 |
| Net interest margin | 3.1180% | 4,922 |
| Noninterest income to average assets | 0.1018% | 6,023 |
| Noninterest expense to average assets | 3.0203% | 2,495 |
| Loan and lease loss provision to assets | -0.7888% | 6,312 |
| Net operating income to assets | 0.4741% | 4,874 |
| Return on assets (ROA) | 0.6405% | 4,276 |
| Pretax return on assets | 0.6405% | 4,860 |
| Return on Equity (ROE) | 18.6495% | 363 |
| Retained earnings to average equity (ytd only) | 18.6495% | 90 |
| Net charge-offs to loans | -0.3055% | 6,125 |
| Credit loss provision to net charge-offs | 442.4779% | 688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6327% | 159 |
| Assets per employee ($millions) | 5.0849% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3297% | 611 |
| Loan loss allowance to noncurrent loans | 73.7921% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 8.4505% | 79 |
| Noncurrent loans to loans | 3.1572% | 606 |
| Net loans and leases to total assets | 59.9389% | 3,848 |
| Net loans and leases to deposits | 66.8147% | 4,246 |
| Net loans and leases to core deposits | 70.1839% | 4,312 |
| Total domestic deposits to total assets | 89.7091% | 782 |
| Equity capital to assets | 3.1812% | 6,329 |
| Core capital (leverage) ratio | 3.8731% | 6,322 |
| Tier 1 risk-based capital ratio | 4.8436% | 6,327 |
| Total risk-based capital ratio | 6.1004% | 6,329 |
| Memoranda: | ||
| Average total assets | $253,547,670 | 2,516 |
| Average earning assets | $211,735,670 | 2,697 |
| Average equity | $8,708,000 | 5,007 |
| Average total loans | $147,943,000 | 2,650 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,407 |
| Cost of funding earning assets | 0.8865% | 308 |
| Net interest margin | 3.0657% | 5,040 |
| Noninterest income to average assets | 0.1564% | 5,804 |
| Noninterest expense to average assets | 3.0269% | 2,492 |
| Loan and lease loss provision to assets | -1.5798% | 6,401 |
| Net operating income to assets | 1.2607% | 1,379 |
| Return on assets (ROA) | 1.5687% | 788 |
| Pretax return on assets | 1.5687% | 1,348 |
| Return on Equity (ROE) | 44.0452% | 28 |
| Retained earnings to average equity (ytd only) | 44.0452% | 14 |
| Net charge-offs to loans | -0.4725% | 6,231 |
| Credit loss provision to net charge-offs | 588.2353% | 481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7853% | 183 |
| Assets per employee ($millions) | 5.1631% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4927% | 534 |
| Loan loss allowance to noncurrent loans | 68.6421% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 9.3714% | 72 |
| Noncurrent loans to loans | 3.6314% | 509 |
| Net loans and leases to total assets | 55.3389% | 4,280 |
| Net loans and leases to deposits | 61.6574% | 4,605 |
| Net loans and leases to core deposits | 64.8546% | 4,618 |
| Total domestic deposits to total assets | 89.7522% | 874 |
| Equity capital to assets | 3.9179% | 6,393 |
| Core capital (leverage) ratio | 4.0006% | 6,391 |
| Tier 1 risk-based capital ratio | 5.1404% | 6,397 |
| Total risk-based capital ratio | 6.3970% | 6,398 |
| Memoranda: | ||
| Average total assets | $253,199,500 | 2,534 |
| Average earning assets | $210,716,000 | 2,720 |
| Average equity | $9,018,000 | 4,987 |
| Average total loans | $143,901,500 | 2,707 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2583% | 2,747 |
| Cost of funding earning assets | 0.9650% | 270 |
| Net interest margin | 3.2933% | 4,595 |
| Noninterest income to average assets | -0.0392% | 6,429 |
| Noninterest expense to average assets | 3.1313% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.4512% | 6,285 |
| Return on assets (ROA) | -0.3649% | 6,257 |
| Pretax return on assets | -0.3577% | 6,240 |
| Return on Equity (ROE) | -15.8490% | 6,417 |
| Retained earnings to average equity (ytd only) | -15.8490% | 6,390 |
| Net charge-offs to loans | 0.4172% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -1.8712% | 4,833 |
| Efficiency ratio | 116.5239% | 147 |
| Assets per employee ($millions) | 4.9688% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0571% | 280 |
| Loan loss allowance to noncurrent loans | 50.5909% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 11.0013% | 72 |
| Noncurrent loans to loans | 6.0428% | 187 |
| Net loans and leases to total assets | 55.1729% | 4,425 |
| Net loans and leases to deposits | 60.9846% | 4,809 |
| Net loans and leases to core deposits | 63.9187% | 4,832 |
| Total domestic deposits to total assets | 90.4703% | 550 |
| Equity capital to assets | 3.2059% | 6,490 |
| Core capital (leverage) ratio | 3.4971% | 6,486 |
| Tier 1 risk-based capital ratio | 4.6108% | 6,492 |
| Total risk-based capital ratio | 5.8727% | 6,494 |
| Memoranda: | ||
| Average total assets | $278,130,000 | 2,293 |
| Average earning assets | $230,258,800 | 2,517 |
| Average equity | $6,404,200 | 5,550 |
| Average total loans | $158,198,600 | 2,451 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,633 |
| Cost of funding earning assets | 0.9832% | 266 |
| Net interest margin | 3.3170% | 4,547 |
| Noninterest income to average assets | 0.3709% | 4,456 |
| Noninterest expense to average assets | 2.9737% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1353% | 5,969 |
| Return on assets (ROA) | 0.2312% | 5,839 |
| Pretax return on assets | 0.2406% | 5,883 |
| Return on Equity (ROE) | 11.0026% | 1,789 |
| Retained earnings to average equity (ytd only) | 11.0026% | 511 |
| Net charge-offs to loans | 0.0289% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.5706% | 2,777 |
| Efficiency ratio | 95.4826% | 524 |
| Assets per employee ($millions) | 4.7209% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3375% | 261 |
| Loan loss allowance to noncurrent loans | 58.6235% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 11.7046% | 67 |
| Noncurrent loans to loans | 5.6932% | 265 |
| Net loans and leases to total assets | 56.1512% | 4,307 |
| Net loans and leases to deposits | 62.5406% | 4,692 |
| Net loans and leases to core deposits | 66.4585% | 4,664 |
| Total domestic deposits to total assets | 89.7835% | 830 |
| Equity capital to assets | 3.1415% | 6,562 |
| Core capital (leverage) ratio | 3.5926% | 6,560 |
| Tier 1 risk-based capital ratio | 5.1789% | 6,560 |
| Total risk-based capital ratio | 6.4432% | 6,561 |
| Memoranda: | ||
| Average total assets | $284,310,750 | 2,261 |
| Average earning assets | $235,143,750 | 2,487 |
| Average equity | $5,974,250 | 5,685 |
| Average total loans | $161,693,000 | 2,428 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3036% | 2,570 |
| Cost of funding earning assets | 0.9667% | 297 |
| Net interest margin | 3.3369% | 4,450 |
| Noninterest income to average assets | 0.0014% | 6,544 |
| Noninterest expense to average assets | 3.0185% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2673% | 6,355 |
| Return on assets (ROA) | -0.1579% | 6,302 |
| Pretax return on assets | -0.1443% | 6,286 |
| Return on Equity (ROE) | -8.8056% | 6,501 |
| Retained earnings to average equity (ytd only) | -8.8056% | 6,394 |
| Net charge-offs to loans | -0.0823% | 6,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1741% | 243 |
| Assets per employee ($millions) | 5.2092% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0992% | 340 |
| Loan loss allowance to noncurrent loans | 56.7938% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 10.8398% | 86 |
| Noncurrent loans to loans | 5.4569% | 335 |
| Net loans and leases to total assets | 54.0935% | 4,531 |
| Net loans and leases to deposits | 58.6166% | 4,988 |
| Net loans and leases to core deposits | 62.0417% | 4,968 |
| Total domestic deposits to total assets | 92.2835% | 138 |
| Equity capital to assets | 2.3356% | 6,639 |
| Core capital (leverage) ratio | 3.3555% | 6,626 |
| Tier 1 risk-based capital ratio | 4.4744% | 6,634 |
| Total risk-based capital ratio | 5.7378% | 6,637 |
| Memoranda: | ||
| Average total assets | $292,531,330 | 2,209 |
| Average earning assets | $242,260,670 | 2,419 |
| Average equity | $5,246,670 | 5,901 |
| Average total loans | $165,314,000 | 2,391 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 2,255 |
| Cost of funding earning assets | 1.0002% | 276 |
| Net interest margin | 3.3740% | 4,248 |
| Noninterest income to average assets | 0.0524% | 6,481 |
| Noninterest expense to average assets | 3.1260% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3127% | 6,407 |
| Return on assets (ROA) | -0.1639% | 6,338 |
| Pretax return on assets | -0.1364% | 6,307 |
| Return on Equity (ROE) | -10.8120% | 6,572 |
| Retained earnings to average equity (ytd only) | -10.8120% | 6,387 |
| Net charge-offs to loans | -0.0533% | 5,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0388% | 267 |
| Assets per employee ($millions) | 4.8226% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0487% | 406 |
| Loan loss allowance to noncurrent loans | 52.3012% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 12.0392% | 74 |
| Noncurrent loans to loans | 5.8291% | 323 |
| Net loans and leases to total assets | 55.9515% | 4,144 |
| Net loans and leases to deposits | 60.4392% | 4,719 |
| Net loans and leases to core deposits | 64.1223% | 4,683 |
| Total domestic deposits to total assets | 92.5748% | 160 |
| Equity capital to assets | 1.9253% | 6,715 |
| Core capital (leverage) ratio | 3.4623% | 6,690 |
| Tier 1 risk-based capital ratio | 4.3998% | 6,703 |
| Total risk-based capital ratio | 5.6624% | 6,706 |
| Memoranda: | ||
| Average total assets | $290,335,500 | 2,231 |
| Average earning assets | $239,955,500 | 2,445 |
| Average equity | $4,402,500 | 6,159 |
| Average total loans | $165,094,500 | 2,396 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 1,933 |
| Cost of funding earning assets | 1.1153% | 264 |
| Net interest margin | 3.4643% | 4,042 |
| Noninterest income to average assets | 0.7460% | 2,304 |
| Noninterest expense to average assets | 3.3676% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2286% | 5,752 |
| Return on assets (ROA) | 0.2999% | 5,621 |
| Pretax return on assets | 0.2999% | 5,733 |
| Return on Equity (ROE) | 18.9004% | 348 |
| Retained earnings to average equity (ytd only) | 18.9004% | 95 |
| Net charge-offs to loans | 0.5681% | 1,155 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.6673% | 4,863 |
| Efficiency ratio | 93.6440% | 764 |
| Assets per employee ($millions) | 4.6987% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1060% | 414 |
| Loan loss allowance to noncurrent loans | 52.7581% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 12.2502% | 77 |
| Noncurrent loans to loans | 5.8873% | 359 |
| Net loans and leases to total assets | 54.2814% | 4,550 |
| Net loans and leases to deposits | 58.1048% | 5,113 |
| Net loans and leases to core deposits | 61.9432% | 5,064 |
| Total domestic deposits to total assets | 93.4199% | 102 |
| Equity capital to assets | 1.1101% | 6,803 |
| Core capital (leverage) ratio | 3.1235% | 6,772 |
| Tier 1 risk-based capital ratio | 4.1468% | 6,781 |
| Total risk-based capital ratio | 5.4095% | 6,784 |
| Memoranda: | ||
| Average total assets | $300,127,000 | 2,146 |
| Average earning assets | $246,918,800 | 2,360 |
| Average equity | $4,761,800 | 6,125 |
| Average total loans | $180,946,200 | 2,185 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 1,962 |
| Cost of funding earning assets | 1.1191% | 279 |
| Net interest margin | 3.4609% | 4,053 |
| Noninterest income to average assets | 0.1773% | 6,131 |
| Noninterest expense to average assets | 3.3102% | 2,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.2880% | 6,519 |
| Return on assets (ROA) | -0.2183% | 6,496 |
| Pretax return on assets | -0.2183% | 6,477 |
| Return on Equity (ROE) | -12.8307% | 6,717 |
| Retained earnings to average equity (ytd only) | -12.8307% | 6,681 |
| Net charge-offs to loans | 0.7221% | 825 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.6504% | 4,972 |
| Efficiency ratio | 109.5287% | 273 |
| Assets per employee ($millions) | 4.5362% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0164% | 544 |
| Loan loss allowance to noncurrent loans | 44.0495% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 14.2647% | 60 |
| Noncurrent loans to loans | 6.8478% | 309 |
| Net loans and leases to total assets | 55.5358% | 4,390 |
| Net loans and leases to deposits | 59.1902% | 5,075 |
| Net loans and leases to core deposits | 63.9897% | 4,905 |
| Total domestic deposits to total assets | 93.8261% | 80 |
| Equity capital to assets | 0.7529% | 6,887 |
| Core capital (leverage) ratio | 2.4261% | 6,872 |
| Tier 1 risk-based capital ratio | 3.1548% | 6,879 |
| Total risk-based capital ratio | 4.4171% | 6,879 |
| Memoranda: | ||
| Average total assets | $302,329,500 | 2,147 |
| Average earning assets | $248,524,750 | 2,350 |
| Average equity | $5,143,750 | 6,104 |
| Average total loans | $185,382,750 | 2,151 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,706 |
| Cost of funding earning assets | 1.1138% | 315 |
| Net interest margin | 3.5330% | 3,644 |
| Noninterest income to average assets | 0.0932% | 6,549 |
| Noninterest expense to average assets | 3.2111% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2165% | 6,498 |
| Return on assets (ROA) | -0.1306% | 6,481 |
| Pretax return on assets | -0.1306% | 6,450 |
| Return on Equity (ROE) | -6.5050% | 6,675 |
| Retained earnings to average equity (ytd only) | -6.5050% | 6,545 |
| Net charge-offs to loans | 0.3091% | 1,948 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.1186% | 4,722 |
| Efficiency ratio | 107.2305% | 323 |
| Assets per employee ($millions) | 4.7050% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1692% | 491 |
| Loan loss allowance to noncurrent loans | 31.2221% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 16.5489% | 42 |
| Noncurrent loans to loans | 10.1505% | 153 |
| Net loans and leases to total assets | 58.8711% | 3,844 |
| Net loans and leases to deposits | 62.9222% | 4,635 |
| Net loans and leases to core deposits | 67.9148% | 4,506 |
| Total domestic deposits to total assets | 93.5617% | 82 |
| Equity capital to assets | 1.1620% | 6,935 |
| Core capital (leverage) ratio | 2.4715% | 6,921 |
| Tier 1 risk-based capital ratio | 3.1108% | 6,927 |
| Total risk-based capital ratio | 4.3749% | 6,927 |
| Memoranda: | ||
| Average total assets | $304,821,670 | 2,131 |
| Average earning assets | $250,322,000 | 2,343 |
| Average equity | $6,118,330 | 5,895 |
| Average total loans | $190,896,330 | 2,094 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 2,151 |
| Cost of funding earning assets | 1.1275% | 320 |
| Net interest margin | 3.3761% | 4,209 |
| Noninterest income to average assets | 0.1552% | 6,331 |
| Noninterest expense to average assets | 3.3260% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4056% | 6,629 |
| Return on assets (ROA) | -0.2739% | 6,594 |
| Pretax return on assets | -0.2739% | 6,586 |
| Return on Equity (ROE) | -11.3086% | 6,827 |
| Retained earnings to average equity (ytd only) | -11.3086% | 6,664 |
| Net charge-offs to loans | -0.2485% | 6,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8901% | 277 |
| Assets per employee ($millions) | 4.8371% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1829% | 556 |
| Loan loss allowance to noncurrent loans | 29.8684% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 18.0592% | 43 |
| Noncurrent loans to loans | 10.6563% | 185 |
| Net loans and leases to total assets | 63.0671% | 2,878 |
| Net loans and leases to deposits | 68.2984% | 3,742 |
| Net loans and leases to core deposits | 74.0288% | 3,572 |
| Total domestic deposits to total assets | 92.3405% | 196 |
| Equity capital to assets | 2.3721% | 6,997 |
| Core capital (leverage) ratio | 2.4396% | 6,988 |
| Tier 1 risk-based capital ratio | 2.9742% | 6,996 |
| Total risk-based capital ratio | 4.2393% | 6,996 |
| Memoranda: | ||
| Average total assets | $306,673,000 | 2,140 |
| Average earning assets | $251,174,500 | 2,361 |
| Average equity | $7,428,000 | 5,637 |
| Average total loans | $194,807,500 | 2,067 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 3,902 |
| Cost of funding earning assets | 1.3198% | 347 |
| Net interest margin | 3.0594% | 5,906 |
| Noninterest income to average assets | -0.5743% | 7,035 |
| Noninterest expense to average assets | 3.1733% | 2,700 |
| Loan and lease loss provision to assets | 0.5621% | 1,011 |
| Net operating income to assets | -1.7036% | 6,899 |
| Return on assets (ROA) | -1.3905% | 6,846 |
| Pretax return on assets | -1.3905% | 6,822 |
| Return on Equity (ROE) | -46.0626% | 7,012 |
| Retained earnings to average equity (ytd only) | -46.0626% | 7,006 |
| Net charge-offs to loans | 1.8780% | 411 |
| Credit loss provision to net charge-offs | 46.1467% | 4,782 |
| Earnings coverage of net charge-offs (x) | -0.9371% | 5,749 |
| Efficiency ratio | 156.1837% | 77 |
| Assets per employee ($millions) | 4.6095% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1386% | 583 |
| Loan loss allowance to noncurrent loans | 31.0343% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 17.5445% | 49 |
| Noncurrent loans to loans | 10.1134% | 228 |
| Net loans and leases to total assets | 60.0301% | 3,599 |
| Net loans and leases to deposits | 64.9488% | 4,430 |
| Net loans and leases to core deposits | 70.2000% | 4,281 |
| Total domestic deposits to total assets | 92.4267% | 178 |
| Equity capital to assets | 2.4700% | 7,052 |
| Core capital (leverage) ratio | 2.3538% | 7,051 |
| Tier 1 risk-based capital ratio | 3.0325% | 7,056 |
| Total risk-based capital ratio | 4.2968% | 7,056 |
| Memoranda: | ||
| Average total assets | $352,601,400 | 1,834 |
| Average earning assets | $300,354,800 | 1,966 |
| Average equity | $10,644,200 | 4,830 |
| Average total loans | $228,695,000 | 1,786 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 4,330 |
| Cost of funding earning assets | 1.3574% | 345 |
| Net interest margin | 2.9730% | 6,227 |
| Noninterest income to average assets | -0.1409% | 7,049 |
| Noninterest expense to average assets | 3.0570% | 3,031 |
| Loan and lease loss provision to assets | 0.7292% | 688 |
| Net operating income to assets | -1.3727% | 6,940 |
| Return on assets (ROA) | -0.9853% | 6,886 |
| Pretax return on assets | -0.9853% | 6,861 |
| Return on Equity (ROE) | -31.4042% | 7,069 |
| Retained earnings to average equity (ytd only) | -31.4042% | 7,062 |
| Net charge-offs to loans | 2.1727% | 312 |
| Credit loss provision to net charge-offs | 51.2542% | 4,376 |
| Earnings coverage of net charge-offs (x) | -0.4523% | 5,484 |
| Efficiency ratio | 126.6616% | 163 |
| Assets per employee ($millions) | 4.9393% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0672% | 670 |
| Loan loss allowance to noncurrent loans | 20.7842% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 17.6424% | 60 |
| Noncurrent loans to loans | 14.7573% | 104 |
| Net loans and leases to total assets | 61.3952% | 3,497 |
| Net loans and leases to deposits | 66.5885% | 4,393 |
| Net loans and leases to core deposits | 73.3666% | 4,067 |
| Total domestic deposits to total assets | 92.2009% | 188 |
| Equity capital to assets | 2.9728% | 7,135 |
| Core capital (leverage) ratio | 2.8640% | 7,133 |
| Tier 1 risk-based capital ratio | 3.7645% | 7,142 |
| Total risk-based capital ratio | 5.0279% | 7,142 |
| Memoranda: | ||
| Average total assets | $362,391,000 | 1,820 |
| Average earning assets | $311,370,500 | 1,915 |
| Average equity | $11,369,750 | 4,737 |
| Average total loans | $237,304,500 | 1,743 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 4,506 |
| Cost of funding earning assets | 1.4152% | 331 |
| Net interest margin | 2.8999% | 6,427 |
| Noninterest income to average assets | -0.2834% | 7,151 |
| Noninterest expense to average assets | 2.9954% | 3,272 |
| Loan and lease loss provision to assets | 0.5818% | 1,037 |
| Net operating income to assets | -1.3625% | 6,991 |
| Return on assets (ROA) | -1.1739% | 6,969 |
| Pretax return on assets | -1.1739% | 6,941 |
| Return on Equity (ROE) | -36.8344% | 7,137 |
| Retained earnings to average equity (ytd only) | -36.8344% | 7,130 |
| Net charge-offs to loans | 2.1964% | 355 |
| Credit loss provision to net charge-offs | 40.0593% | 4,260 |
| Earnings coverage of net charge-offs (x) | -0.5375% | 5,245 |
| Efficiency ratio | 135.2469% | 142 |
| Assets per employee ($millions) | 5.3332% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9209% | 852 |
| Loan loss allowance to noncurrent loans | 17.4801% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 18.5155% | 55 |
| Noncurrent loans to loans | 16.7097% | 76 |
| Net loans and leases to total assets | 62.2644% | 3,376 |
| Net loans and leases to deposits | 67.3890% | 4,301 |
| Net loans and leases to core deposits | 74.0598% | 4,026 |
| Total domestic deposits to total assets | 92.3956% | 170 |
| Equity capital to assets | 3.0599% | 7,181 |
| Core capital (leverage) ratio | 2.8266% | 7,187 |
| Tier 1 risk-based capital ratio | 3.6870% | 7,195 |
| Total risk-based capital ratio | 4.9513% | 7,196 |
| Memoranda: | ||
| Average total assets | $371,230,330 | 1,777 |
| Average earning assets | $319,803,330 | 1,872 |
| Average equity | $11,831,330 | 4,642 |
| Average total loans | $245,494,330 | 1,682 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 4,484 |
| Cost of funding earning assets | 1.4725% | 327 |
| Net interest margin | 2.8858% | 6,507 |
| Noninterest income to average assets | -0.4985% | 7,252 |
| Noninterest expense to average assets | 2.9868% | 3,303 |
| Loan and lease loss provision to assets | 0.5592% | 1,039 |
| Net operating income to assets | -1.5520% | 7,097 |
| Return on assets (ROA) | -1.5456% | 7,103 |
| Pretax return on assets | -1.5456% | 7,082 |
| Return on Equity (ROE) | -47.5796% | 7,219 |
| Retained earnings to average equity (ytd only) | -47.5796% | 7,206 |
| Net charge-offs to loans | 0.5319% | 1,759 |
| Credit loss provision to net charge-offs | 156.7164% | 1,618 |
| Earnings coverage of net charge-offs (x) | -2.7821% | 4,639 |
| Efficiency ratio | 149.7863% | 107 |
| Assets per employee ($millions) | 5.5942% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5002% | 536 |
| Loan loss allowance to noncurrent loans | 20.8682% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 18.4104% | 65 |
| Noncurrent loans to loans | 16.7728% | 88 |
| Net loans and leases to total assets | 63.2593% | 2,989 |
| Net loans and leases to deposits | 68.2933% | 4,011 |
| Net loans and leases to core deposits | 78.3221% | 3,283 |
| Total domestic deposits to total assets | 92.6288% | 171 |
| Equity capital to assets | 3.0586% | 7,235 |
| Core capital (leverage) ratio | 2.9935% | 7,235 |
| Tier 1 risk-based capital ratio | 3.7598% | 7,252 |
| Total risk-based capital ratio | 5.0302% | 7,254 |
| Memoranda: | ||
| Average total assets | $375,516,500 | 1,767 |
| Average earning assets | $324,342,500 | 1,857 |
| Average equity | $12,198,500 | 4,571 |
| Average total loans | $251,941,000 | 1,645 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 5,581 |
| Cost of funding earning assets | 1.7346% | 282 |
| Net interest margin | 2.6232% | 6,989 |
| Noninterest income to average assets | -0.8623% | 7,313 |
| Noninterest expense to average assets | 2.9791% | 3,669 |
| Loan and lease loss provision to assets | 1.5338% | 475 |
| Net operating income to assets | -4.1003% | 7,258 |
| Return on assets (ROA) | -3.7622% | 7,247 |
| Pretax return on assets | -2.7858% | 7,162 |
| Return on Equity (ROE) | -74.4515% | 7,281 |
| Retained earnings to average equity (ytd only) | -74.4515% | 7,281 |
| Net charge-offs to loans | 2.8169% | 373 |
| Credit loss provision to net charge-offs | 85.6219% | 4,217 |
| Earnings coverage of net charge-offs (x) | -0.8876% | 6,171 |
| Efficiency ratio | 214.4777% | 49 |
| Assets per employee ($millions) | 5.6153% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2574% | 643 |
| Loan loss allowance to noncurrent loans | 19.3823% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 18.9890% | 63 |
| Noncurrent loans to loans | 16.8061% | 93 |
| Net loans and leases to total assets | 66.3888% | 2,713 |
| Net loans and leases to deposits | 72.0149% | 3,790 |
| Net loans and leases to core deposits | 83.6227% | 2,942 |
| Total domestic deposits to total assets | 92.1876% | 213 |
| Equity capital to assets | 3.4376% | 7,256 |
| Core capital (leverage) ratio | 3.2184% | 7,257 |
| Tier 1 risk-based capital ratio | 4.1792% | 7,275 |
| Total risk-based capital ratio | 5.4483% | 7,276 |
| Memoranda: | ||
| Average total assets | $423,183,600 | 1,539 |
| Average earning assets | $363,186,400 | 1,628 |
| Average equity | $21,384,400 | 2,969 |
| Average total loans | $269,122,000 | 1,570 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 5,911 |
| Cost of funding earning assets | 1.7689% | 296 |
| Net interest margin | 2.5425% | 7,113 |
| Noninterest income to average assets | -0.5935% | 7,368 |
| Noninterest expense to average assets | 2.8485% | 4,148 |
| Loan and lease loss provision to assets | 0.5668% | 1,731 |
| Net operating income to assets | -3.0975% | 7,275 |
| Return on assets (ROA) | -2.6901% | 7,252 |
| Pretax return on assets | -1.4234% | 6,999 |
| Return on Equity (ROE) | -49.7918% | 7,292 |
| Retained earnings to average equity (ytd only) | -49.7918% | 7,286 |
| Net charge-offs to loans | 3.0790% | 303 |
| Credit loss provision to net charge-offs | 29.4521% | 5,420 |
| Earnings coverage of net charge-offs (x) | -0.6567% | 5,873 |
| Efficiency ratio | 179.7640% | 75 |
| Assets per employee ($millions) | 5.9706% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9670% | 2,427 |
| Loan loss allowance to noncurrent loans | 10.3538% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 19.8869% | 54 |
| Noncurrent loans to loans | 18.9978% | 68 |
| Net loans and leases to total assets | 63.1778% | 3,482 |
| Net loans and leases to deposits | 69.5632% | 4,369 |
| Net loans and leases to core deposits | 83.4391% | 3,133 |
| Total domestic deposits to total assets | 90.8208% | 505 |
| Equity capital to assets | 5.0408% | 7,261 |
| Core capital (leverage) ratio | 4.8304% | 7,253 |
| Tier 1 risk-based capital ratio | 6.3327% | 7,283 |
| Total risk-based capital ratio | 7.5863% | 7,284 |
| Memoranda: | ||
| Average total assets | $434,923,750 | 1,508 |
| Average earning assets | $372,585,000 | 1,601 |
| Average equity | $23,497,250 | 2,727 |
| Average total loans | $271,857,500 | 1,571 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 6,094 |
| Cost of funding earning assets | 1.7854% | 331 |
| Net interest margin | 2.4895% | 7,193 |
| Noninterest income to average assets | -0.1774% | 7,330 |
| Noninterest expense to average assets | 2.7226% | 4,732 |
| Loan and lease loss provision to assets | 0.6248% | 1,534 |
| Net operating income to assets | -3.2390% | 7,335 |
| Return on assets (ROA) | -3.2314% | 7,340 |
| Pretax return on assets | -1.3808% | 7,026 |
| Return on Equity (ROE) | -58.6395% | 7,369 |
| Retained earnings to average equity (ytd only) | -58.6395% | 7,366 |
| Net charge-offs to loans | 4.3205% | 172 |
| Credit loss provision to net charge-offs | 23.3512% | 5,086 |
| Earnings coverage of net charge-offs (x) | -0.2854% | 5,445 |
| Efficiency ratio | 138.9803% | 206 |
| Assets per employee ($millions) | 6.5598% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 2,769 |
| Loan loss allowance to noncurrent loans | 10.5742% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 18.9453% | 77 |
| Noncurrent loans to loans | 17.6632% | 89 |
| Net loans and leases to total assets | 60.6384% | 4,160 |
| Net loans and leases to deposits | 66.7692% | 4,889 |
| Net loans and leases to core deposits | 80.8069% | 3,676 |
| Total domestic deposits to total assets | 90.8179% | 578 |
| Equity capital to assets | 5.0084% | 7,322 |
| Core capital (leverage) ratio | 4.8632% | 7,309 |
| Tier 1 risk-based capital ratio | 6.5055% | 7,339 |
| Total risk-based capital ratio | 7.7577% | 7,343 |
| Memoranda: | ||
| Average total assets | $446,554,000 | 1,491 |
| Average earning assets | $383,214,000 | 1,570 |
| Average equity | $24,608,000 | 2,594 |
| Average total loans | $276,542,330 | 1,568 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 6,167 |
| Cost of funding earning assets | 1.8159% | 350 |
| Net interest margin | 2.4266% | 7,243 |
| Noninterest income to average assets | -0.1515% | 7,408 |
| Noninterest expense to average assets | 2.5675% | 5,337 |
| Loan and lease loss provision to assets | 0.7358% | 1,153 |
| Net operating income to assets | -1.3630% | 7,151 |
| Return on assets (ROA) | -1.3630% | 7,159 |
| Pretax return on assets | -1.3630% | 7,118 |
| Return on Equity (ROE) | -23.7245% | 7,263 |
| Retained earnings to average equity (ytd only) | -23.7245% | 7,219 |
| Net charge-offs to loans | 6.8759% | 80 |
| Credit loss provision to net charge-offs | 17.2626% | 4,290 |
| Earnings coverage of net charge-offs (x) | -0.1471% | 4,666 |
| Efficiency ratio | 132.3251% | 249 |
| Assets per employee ($millions) | 6.6450% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 2,457 |
| Loan loss allowance to noncurrent loans | 11.7216% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 17.5337% | 95 |
| Noncurrent loans to loans | 16.9445% | 111 |
| Net loans and leases to total assets | 59.7821% | 4,314 |
| Net loans and leases to deposits | 66.1166% | 4,955 |
| Net loans and leases to core deposits | 82.0327% | 3,450 |
| Total domestic deposits to total assets | 90.4192% | 886 |
| Equity capital to assets | 5.6845% | 7,323 |
| Core capital (leverage) ratio | 5.0681% | 7,356 |
| Tier 1 risk-based capital ratio | 6.6094% | 7,396 |
| Total risk-based capital ratio | 7.8636% | 7,400 |
| Memoranda: | ||
| Average total assets | $456,638,500 | 1,470 |
| Average earning assets | $393,641,000 | 1,545 |
| Average equity | $26,234,500 | 2,433 |
| Average total loans | $283,076,500 | 1,549 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 5,867 |
| Cost of funding earning assets | 2.0080% | 590 |
| Net interest margin | 2.6707% | 7,148 |
| Noninterest income to average assets | -0.4326% | 7,550 |
| Noninterest expense to average assets | 2.5389% | 5,653 |
| Loan and lease loss provision to assets | 1.5823% | 912 |
| Net operating income to assets | -1.6131% | 6,946 |
| Return on assets (ROA) | -1.4590% | 6,917 |
| Pretax return on assets | -1.9789% | 7,024 |
| Return on Equity (ROE) | -20.7629% | 7,051 |
| Retained earnings to average equity (ytd only) | -20.8962% | 7,026 |
| Net charge-offs to loans | 2.2994% | 840 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | -0.3823% | 6,402 |
| Efficiency ratio | 131.2775% | 308 |
| Assets per employee ($millions) | 6.6872% | 869 |
| Cash dividends to net income (ytd only)* | -0.6423% | 7,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2697% | 690 |
| Loan loss allowance to noncurrent loans | 20.7188% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 16.6947% | 125 |
| Noncurrent loans to loans | 15.7813% | 135 |
| Net loans and leases to total assets | 60.9097% | 4,503 |
| Net loans and leases to deposits | 67.4014% | 5,183 |
| Net loans and leases to core deposits | 86.7078% | 3,226 |
| Total domestic deposits to total assets | 90.3686% | 902 |
| Equity capital to assets | 5.8045% | 7,370 |
| Core capital (leverage) ratio | 5.1817% | 7,399 |
| Tier 1 risk-based capital ratio | 7.0202% | 7,421 |
| Total risk-based capital ratio | 8.2886% | 7,424 |
| Memoranda: | ||
| Average total assets | $469,503,800 | 1,423 |
| Average earning assets | $416,031,800 | 1,461 |
| Average equity | $32,991,600 | 1,998 |
| Average total loans | $323,085,000 | 1,387 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 5,915 |
| Cost of funding earning assets | 2.0300% | 689 |
| Net interest margin | 2.7000% | 7,232 |
| Noninterest income to average assets | 0.1326% | 6,896 |
| Noninterest expense to average assets | 2.2907% | 6,355 |
| Loan and lease loss provision to assets | 0.3501% | 3,813 |
| Net operating income to assets | -0.0786% | 6,158 |
| Return on assets (ROA) | 0.1369% | 5,835 |
| Pretax return on assets | 0.1747% | 5,780 |
| Return on Equity (ROE) | 1.8681% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.6983% | 5,112 |
| Net charge-offs to loans | 2.0638% | 901 |
| Credit loss provision to net charge-offs | 24.1467% | 6,209 |
| Earnings coverage of net charge-offs (x) | 0.1714% | 5,850 |
| Efficiency ratio | 90.2116% | 1,270 |
| Assets per employee ($millions) | 7.3647% | 663 |
| Cash dividends to net income (ytd only)* | 9.0916% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 2,797 |
| Loan loss allowance to noncurrent loans | 11.7346% | 7,149 |
| Noncurrent assets plus other real estate owned to assets | 15.5723% | 138 |
| Noncurrent loans to loans | 15.3106% | 156 |
| Net loans and leases to total assets | 64.0678% | 4,113 |
| Net loans and leases to deposits | 72.1330% | 4,823 |
| Net loans and leases to core deposits | 94.9311% | 2,394 |
| Total domestic deposits to total assets | 88.8190% | 1,497 |
| Equity capital to assets | 7.5335% | 7,111 |
| Core capital (leverage) ratio | 7.2016% | 7,060 |
| Tier 1 risk-based capital ratio | 9.1608% | 7,333 |
| Total risk-based capital ratio | 10.4143% | 7,346 |
| Memoranda: | ||
| Average total assets | $471,525,750 | 1,436 |
| Average earning assets | $420,285,000 | 1,458 |
| Average equity | $34,543,750 | 1,943 |
| Average total loans | $331,219,500 | 1,360 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7547% | 5,953 |
| Cost of funding earning assets | 2.1007% | 656 |
| Net interest margin | 2.6539% | 7,300 |
| Noninterest income to average assets | 0.1087% | 7,059 |
| Noninterest expense to average assets | 2.0898% | 6,939 |
| Loan and lease loss provision to assets | 0.0333% | 6,620 |
| Net operating income to assets | 0.2542% | 5,361 |
| Return on assets (ROA) | 0.2890% | 5,376 |
| Pretax return on assets | 0.4050% | 5,211 |
| Return on Equity (ROE) | 3.9839% | 4,785 |
| Retained earnings to average equity (ytd only) | 3.7429% | 3,718 |
| Net charge-offs to loans | 0.8278% | 2,183 |
| Credit loss provision to net charge-offs | 5.5834% | 5,979 |
| Earnings coverage of net charge-offs (x) | 0.6535% | 5,091 |
| Efficiency ratio | 84.2992% | 1,887 |
| Assets per employee ($millions) | 7.1259% | 724 |
| Cash dividends to net income (ytd only)* | 6.0472% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5129% | 1,283 |
| Loan loss allowance to noncurrent loans | 17.1330% | 7,069 |
| Noncurrent assets plus other real estate owned to assets | 15.4404% | 131 |
| Noncurrent loans to loans | 14.6668% | 178 |
| Net loans and leases to total assets | 69.5931% | 2,998 |
| Net loans and leases to deposits | 78.8602% | 3,825 |
| Net loans and leases to core deposits | 106.6217% | 1,396 |
| Total domestic deposits to total assets | 88.2486% | 1,853 |
| Equity capital to assets | 8.0207% | 6,739 |
| Core capital (leverage) ratio | 7.3294% | 6,972 |
| Tier 1 risk-based capital ratio | 9.1623% | 7,382 |
| Total risk-based capital ratio | 10.4244% | 7,377 |
| Memoranda: | ||
| Average total assets | $469,133,000 | 1,456 |
| Average earning assets | $418,999,000 | 1,478 |
| Average equity | $34,037,330 | 1,961 |
| Average total loans | $337,524,000 | 1,350 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 6,233 |
| Cost of funding earning assets | 2.2037% | 583 |
| Net interest margin | 2.4988% | 7,476 |
| Noninterest income to average assets | 0.0244% | 7,585 |
| Noninterest expense to average assets | 1.9812% | 7,191 |
| Loan and lease loss provision to assets | 0.0656% | 5,980 |
| Net operating income to assets | 0.1639% | 5,811 |
| Return on assets (ROA) | 0.1665% | 5,928 |
| Pretax return on assets | 0.2170% | 5,829 |
| Return on Equity (ROE) | 2.4171% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.4049% | 4,699 |
| Net charge-offs to loans | 0.9665% | 1,684 |
| Credit loss provision to net charge-offs | 9.3976% | 5,052 |
| Earnings coverage of net charge-offs (x) | 0.4000% | 4,676 |
| Efficiency ratio | 87.6488% | 1,626 |
| Assets per employee ($millions) | 7.3161% | 713 |
| Cash dividends to net income (ytd only)* | 0.5051% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5618% | 1,220 |
| Loan loss allowance to noncurrent loans | 18.0271% | 7,105 |
| Noncurrent assets plus other real estate owned to assets | 13.4008% | 195 |
| Noncurrent loans to loans | 14.2110% | 205 |
| Net loans and leases to total assets | 68.9076% | 3,177 |
| Net loans and leases to deposits | 77.2912% | 4,167 |
| Net loans and leases to core deposits | 102.5546% | 1,851 |
| Total domestic deposits to total assets | 89.1532% | 1,437 |
| Equity capital to assets | 7.3500% | 7,183 |
| Core capital (leverage) ratio | 7.0585% | 7,212 |
| Tier 1 risk-based capital ratio | 8.7486% | 7,528 |
| Total risk-based capital ratio | 10.0115% | 7,549 |
| Memoranda: | ||
| Average total assets | $475,671,000 | 1,472 |
| Average earning assets | $425,642,500 | 1,500 |
| Average equity | $32,766,500 | 2,053 |
| Average total loans | $343,503,500 | 1,372 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 4,764 |
| Cost of funding earning assets | 2.2947% | 1,681 |
| Net interest margin | 3.0902% | 6,398 |
| Noninterest income to average assets | -0.0109% | 7,727 |
| Noninterest expense to average assets | 2.2366% | 6,899 |
| Loan and lease loss provision to assets | 4.3465% | 282 |
| Net operating income to assets | -2.4761% | 7,260 |
| Return on assets (ROA) | -2.3465% | 7,217 |
| Pretax return on assets | -3.5615% | 7,434 |
| Return on Equity (ROE) | -28.4682% | 7,377 |
| Retained earnings to average equity (ytd only) | -28.4682% | 7,358 |
| Net charge-offs to loans | 3.9880% | 420 |
| Credit loss provision to net charge-offs | 134.3573% | 3,702 |
| Earnings coverage of net charge-offs (x) | 0.1820% | 5,970 |
| Efficiency ratio | 79.1654% | 3,017 |
| Assets per employee ($millions) | 7.3200% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7494% | 974 |
| Loan loss allowance to noncurrent loans | 25.7844% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 11.2438% | 290 |
| Noncurrent loans to loans | 10.6630% | 362 |
| Net loans and leases to total assets | 71.7278% | 2,830 |
| Net loans and leases to deposits | 80.6586% | 3,864 |
| Net loans and leases to core deposits | 104.0937% | 3,567 |
| Total domestic deposits to total assets | 88.9276% | 1,513 |
| Equity capital to assets | 6.4128% | 7,581 |
| Core capital (leverage) ratio | 6.4974% | 7,494 |
| Tier 1 risk-based capital ratio | 7.9615% | 7,659 |
| Total risk-based capital ratio | 9.2267% | 7,665 |
| Memoranda: | ||
| Average total assets | $458,856,200 | 1,508 |
| Average earning assets | $421,136,800 | 1,503 |
| Average equity | $37,821,200 | 1,769 |
| Average total loans | $372,215,000 | 1,288 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5078% | 4,383 |
| Cost of funding earning assets | 2.3615% | 1,764 |
| Net interest margin | 3.1463% | 6,194 |
| Noninterest income to average assets | 0.2422% | 6,500 |
| Noninterest expense to average assets | 2.1169% | 7,161 |
| Loan and lease loss provision to assets | 1.8300% | 1,018 |
| Net operating income to assets | -0.4924% | 6,415 |
| Return on assets (ROA) | -0.3353% | 6,260 |
| Pretax return on assets | -0.5518% | 6,355 |
| Return on Equity (ROE) | -3.8491% | 6,327 |
| Retained earnings to average equity (ytd only) | -3.8491% | 6,088 |
| Net charge-offs to loans | 0.7619% | 2,454 |
| Credit loss provision to net charge-offs | 289.3764% | 1,437 |
| Earnings coverage of net charge-offs (x) | 1.6333% | 4,567 |
| Efficiency ratio | 67.2076% | 5,136 |
| Assets per employee ($millions) | 7.0891% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3014% | 1,295 |
| Loan loss allowance to noncurrent loans | 29.8791% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 9.9768% | 344 |
| Noncurrent loans to loans | 7.7022% | 657 |
| Net loans and leases to total assets | 79.5341% | 1,280 |
| Net loans and leases to deposits | 91.7649% | 2,276 |
| Net loans and leases to core deposits | 114.1466% | 2,812 |
| Total domestic deposits to total assets | 86.6716% | 2,340 |
| Equity capital to assets | 8.4855% | 6,265 |
| Core capital (leverage) ratio | 8.5475% | 5,407 |
| Tier 1 risk-based capital ratio | 9.8579% | 7,095 |
| Total risk-based capital ratio | 12.3680% | 5,791 |
| Memoranda: | ||
| Average total assets | $456,449,750 | 1,532 |
| Average earning assets | $421,816,500 | 1,515 |
| Average equity | $39,765,750 | 1,712 |
| Average total loans | $378,885,750 | 1,285 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5455% | 4,359 |
| Cost of funding earning assets | 2.4177% | 1,892 |
| Net interest margin | 3.1278% | 6,160 |
| Noninterest income to average assets | 0.2418% | 6,553 |
| Noninterest expense to average assets | 2.1060% | 7,263 |
| Loan and lease loss provision to assets | 1.3167% | 1,308 |
| Net operating income to assets | -0.2592% | 6,274 |
| Return on assets (ROA) | 0.0971% | 5,668 |
| Pretax return on assets | 0.1006% | 5,675 |
| Return on Equity (ROE) | 1.1048% | 5,607 |
| Retained earnings to average equity (ytd only) | 1.1048% | 4,717 |
| Net charge-offs to loans | 0.7910% | 2,095 |
| Credit loss provision to net charge-offs | 199.2720% | 2,298 |
| Earnings coverage of net charge-offs (x) | 1.5890% | 4,349 |
| Efficiency ratio | 66.7313% | 5,407 |
| Assets per employee ($millions) | 6.7580% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 2,915 |
| Loan loss allowance to noncurrent loans | 27.4981% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 7.5016% | 534 |
| Noncurrent loans to loans | 5.6681% | 1,005 |
| Net loans and leases to total assets | 83.5463% | 698 |
| Net loans and leases to deposits | 96.9644% | 1,659 |
| Net loans and leases to core deposits | 117.7129% | 2,568 |
| Total domestic deposits to total assets | 86.1618% | 2,700 |
| Equity capital to assets | 8.8777% | 5,484 |
| Core capital (leverage) ratio | 8.5841% | 5,288 |
| Tier 1 risk-based capital ratio | 10.2170% | 6,692 |
| Total risk-based capital ratio | 12.7219% | 5,332 |
| Memoranda: | ||
| Average total assets | $457,366,000 | 1,548 |
| Average earning assets | $426,107,670 | 1,516 |
| Average equity | $40,188,000 | 1,687 |
| Average total loans | $382,065,330 | 1,299 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 5,642 |
| Cost of funding earning assets | 2.4674% | 2,039 |
| Net interest margin | 2.8857% | 6,780 |
| Noninterest income to average assets | 0.2168% | 6,739 |
| Noninterest expense to average assets | 2.0007% | 7,349 |
| Loan and lease loss provision to assets | 0.6211% | 2,033 |
| Net operating income to assets | 0.2246% | 5,584 |
| Return on assets (ROA) | 0.2246% | 5,742 |
| Pretax return on assets | 0.3006% | 5,683 |
| Return on Equity (ROE) | 2.5689% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.5689% | 4,450 |
| Net charge-offs to loans | 0.4106% | 2,459 |
| Credit loss provision to net charge-offs | 182.4873% | 2,383 |
| Earnings coverage of net charge-offs (x) | 2.7081% | 3,406 |
| Efficiency ratio | 68.4599% | 4,876 |
| Assets per employee ($millions) | 7.0847% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 4,790 |
| Loan loss allowance to noncurrent loans | 25.3664% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 5.3667% | 808 |
| Noncurrent loans to loans | 4.7401% | 1,172 |
| Net loans and leases to total assets | 83.0300% | 838 |
| Net loans and leases to deposits | 99.5955% | 1,466 |
| Net loans and leases to core deposits | 118.0219% | 2,595 |
| Total domestic deposits to total assets | 83.3673% | 3,965 |
| Equity capital to assets | 8.6785% | 5,801 |
| Core capital (leverage) ratio | 8.7146% | 5,127 |
| Tier 1 risk-based capital ratio | 10.0531% | 6,850 |
| Total risk-based capital ratio | 12.4701% | 5,594 |
| Memoranda: | ||
| Average total assets | $463,035,500 | 1,543 |
| Average earning assets | $434,135,500 | 1,494 |
| Average equity | $40,483,500 | 1,686 |
| Average total loans | $383,828,500 | 1,297 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5945% | 2,515 |
| Cost of funding earning assets | 3.2946% | 944 |
| Net interest margin | 3.2999% | 6,034 |
| Noninterest income to average assets | 0.2483% | 6,668 |
| Noninterest expense to average assets | 2.2903% | 6,734 |
| Loan and lease loss provision to assets | 0.2636% | 4,285 |
| Net operating income to assets | 0.5295% | 4,620 |
| Return on assets (ROA) | 0.5301% | 4,472 |
| Pretax return on assets | 0.7761% | 4,153 |
| Return on Equity (ROE) | 5.7078% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.7078% | 1,663 |
| Net charge-offs to loans | 0.1139% | 5,123 |
| Credit loss provision to net charge-offs | 273.2673% | 1,680 |
| Earnings coverage of net charge-offs (x) | 10.7673% | 2,464 |
| Efficiency ratio | 68.7971% | 4,580 |
| Assets per employee ($millions) | 6.7424% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 4,746 |
| Loan loss allowance to noncurrent loans | 74.7537% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.5403% | 1,908 |
| Noncurrent loans to loans | 1.5709% | 3,426 |
| Net loans and leases to total assets | 80.7650% | 1,495 |
| Net loans and leases to deposits | 97.3492% | 2,221 |
| Net loans and leases to core deposits | 118.3386% | 2,852 |
| Total domestic deposits to total assets | 82.9642% | 3,787 |
| Equity capital to assets | 8.8089% | 5,637 |
| Core capital (leverage) ratio | 9.2321% | 4,387 |
| Tier 1 risk-based capital ratio | 10.3301% | 6,386 |
| Total risk-based capital ratio | 11.4729% | 6,358 |
| Memoranda: | ||
| Average total assets | $418,769,800 | 1,624 |
| Average earning assets | $390,947,400 | 1,587 |
| Average equity | $38,894,000 | 1,735 |
| Average total loans | $354,544,200 | 1,369 |