Home > Grand Bank of Texas > Performance and Condition Ratios
Grand Bank of Texas, 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 | 5.3254% | 723 |
| Cost of funding earning assets | 0.3507% | 4,679 |
| Net interest margin | 4.9747% | 292 |
| Noninterest income to average assets | 0.8903% | 1,063 |
| Noninterest expense to average assets | 5.5297% | 161 |
| Loan and lease loss provision to assets | -0.1097% | 5,294 |
| Net operating income to assets | 0.1050% | 5,088 |
| Return on assets (ROA) | 0.1050% | 5,094 |
| Pretax return on assets | 0.1050% | 5,100 |
| Return on Equity (ROE) | 1.6528% | 5,006 |
| Retained earnings to average equity (ytd only) | -228.6396% | 5,359 |
| Net charge-offs to loans | -0.2533% | 5,196 |
| Credit loss provision to net charge-offs | 57.3171% | 1,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0845% | 172 |
| Assets per employee ($millions) | 5.2525% | 2,224 |
| Cash dividends to net income (ytd only)* | 13,933.3333% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,087 |
| Loan loss allowance to noncurrent loans | 78.9828% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.6877% | 658 |
| Noncurrent loans to loans | 1.6477% | 952 |
| Net loans and leases to total assets | 75.5502% | 1,548 |
| Net loans and leases to deposits | 79.7019% | 2,874 |
| Net loans and leases to core deposits | 83.3423% | 3,077 |
| Total domestic deposits to total assets | 94.7910% | 7 |
| Equity capital to assets | 4.5350% | 5,353 |
| Core capital (leverage) ratio | 4.6317% | 5,353 |
| Tier 1 risk-based capital ratio | 5.5991% | 5,356 |
| Total risk-based capital ratio | 6.8493% | 5,356 |
| Memoranda: | ||
| Average total assets | $342,803,500 | 1,975 |
| Average earning assets | $319,377,000 | 1,962 |
| Average equity | $21,781,000 | 2,994 |
| Average total loans | $258,991,000 | 1,813 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3030% | 579 |
| Cost of funding earning assets | 0.3203% | 4,462 |
| Net interest margin | 4.9827% | 271 |
| Noninterest income to average assets | 0.4344% | 3,206 |
| Noninterest expense to average assets | 3.5286% | 964 |
| Loan and lease loss provision to assets | 0.0285% | 3,603 |
| Net operating income to assets | 1.5052% | 1,107 |
| Return on assets (ROA) | 1.2820% | 1,867 |
| Pretax return on assets | 1.2820% | 2,571 |
| Return on Equity (ROE) | 15.6796% | 692 |
| Retained earnings to average equity (ytd only) | 3.8182% | 3,477 |
| Net charge-offs to loans | -0.0291% | 4,802 |
| Credit loss provision to net charge-offs | -133.8028% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7047% | 2,239 |
| Assets per employee ($millions) | 4.8478% | 2,681 |
| Cash dividends to net income (ytd only)* | 75.6485% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,049 |
| Loan loss allowance to noncurrent loans | 80.5952% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.2554% | 1,024 |
| Noncurrent loans to loans | 1.6104% | 911 |
| Net loans and leases to total assets | 73.5956% | 1,994 |
| Net loans and leases to deposits | 80.4261% | 2,904 |
| Net loans and leases to core deposits | 83.6456% | 3,123 |
| Total domestic deposits to total assets | 91.5072% | 118 |
| Equity capital to assets | 8.1578% | 5,102 |
| Core capital (leverage) ratio | 8.0601% | 5,221 |
| Tier 1 risk-based capital ratio | 10.1773% | 5,260 |
| Total risk-based capital ratio | 11.4274% | 5,196 |
| Memoranda: | ||
| Average total assets | $333,783,200 | 1,969 |
| Average earning assets | $310,012,400 | 1,971 |
| Average equity | $27,290,200 | 2,497 |
| Average total loans | $244,188,000 | 1,859 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2705% | 546 |
| Cost of funding earning assets | 0.3046% | 4,488 |
| Net interest margin | 4.9660% | 277 |
| Noninterest income to average assets | 0.4465% | 3,191 |
| Noninterest expense to average assets | 3.4736% | 1,017 |
| Loan and lease loss provision to assets | 0.0262% | 3,489 |
| Net operating income to assets | 1.5548% | 1,057 |
| Return on assets (ROA) | 1.5411% | 1,089 |
| Pretax return on assets | 1.5411% | 1,764 |
| Return on Equity (ROE) | 18.8383% | 353 |
| Retained earnings to average equity (ytd only) | 11.0432% | 643 |
| Net charge-offs to loans | -0.0066% | 4,292 |
| Credit loss provision to net charge-offs | -541.6667% | 4,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7216% | 2,401 |
| Assets per employee ($millions) | 5.0441% | 2,415 |
| Cash dividends to net income (ytd only)* | 41.3794% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,093 |
| Loan loss allowance to noncurrent loans | 65.8542% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4475% | 905 |
| Noncurrent loans to loans | 1.9737% | 755 |
| Net loans and leases to total assets | 69.7247% | 2,690 |
| Net loans and leases to deposits | 76.2400% | 3,397 |
| Net loans and leases to core deposits | 79.2919% | 3,550 |
| Total domestic deposits to total assets | 91.4542% | 135 |
| Equity capital to assets | 8.1139% | 5,129 |
| Core capital (leverage) ratio | 8.3708% | 5,162 |
| Tier 1 risk-based capital ratio | 10.7346% | 5,156 |
| Total risk-based capital ratio | 11.9843% | 5,056 |
| Memoranda: | ||
| Average total assets | $331,179,750 | 1,993 |
| Average earning assets | $307,310,500 | 1,997 |
| Average equity | $27,093,000 | 2,517 |
| Average total loans | $241,073,750 | 1,881 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1424% | 613 |
| Cost of funding earning assets | 0.2875% | 4,514 |
| Net interest margin | 4.8549% | 333 |
| Noninterest income to average assets | 0.4329% | 3,271 |
| Noninterest expense to average assets | 3.5143% | 980 |
| Loan and lease loss provision to assets | 0.0371% | 3,169 |
| Net operating income to assets | 1.3752% | 1,523 |
| Return on assets (ROA) | 1.3752% | 1,525 |
| Pretax return on assets | 1.3752% | 2,245 |
| Return on Equity (ROE) | 16.7605% | 553 |
| Retained earnings to average equity (ytd only) | 4.8393% | 3,157 |
| Net charge-offs to loans | -0.1091% | 5,194 |
| Credit loss provision to net charge-offs | -46.1538% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3337% | 2,109 |
| Assets per employee ($millions) | 4.9939% | 2,427 |
| Cash dividends to net income (ytd only)* | 71.1271% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,923 |
| Loan loss allowance to noncurrent loans | 242.9399% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 2,908 |
| Noncurrent loans to loans | 0.5577% | 2,745 |
| Net loans and leases to total assets | 70.8830% | 2,452 |
| Net loans and leases to deposits | 77.2480% | 3,232 |
| Net loans and leases to core deposits | 80.2972% | 3,394 |
| Total domestic deposits to total assets | 91.7604% | 109 |
| Equity capital to assets | 7.8699% | 5,269 |
| Core capital (leverage) ratio | 8.2847% | 5,220 |
| Tier 1 risk-based capital ratio | 10.5806% | 5,238 |
| Total risk-based capital ratio | 11.8315% | 5,134 |
| Memoranda: | ||
| Average total assets | $323,877,670 | 2,043 |
| Average earning assets | $299,780,330 | 2,049 |
| Average equity | $26,574,330 | 2,559 |
| Average total loans | $238,288,330 | 1,901 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 686 |
| Cost of funding earning assets | 0.2712% | 4,571 |
| Net interest margin | 4.7387% | 378 |
| Noninterest income to average assets | 0.4312% | 3,230 |
| Noninterest expense to average assets | 3.6361% | 828 |
| Loan and lease loss provision to assets | 0.0383% | 2,986 |
| Net operating income to assets | 1.1265% | 2,302 |
| Return on assets (ROA) | 1.1265% | 2,321 |
| Pretax return on assets | 1.1265% | 3,062 |
| Return on Equity (ROE) | 13.4284% | 1,152 |
| Retained earnings to average equity (ytd only) | -10.6606% | 5,384 |
| Net charge-offs to loans | -0.0308% | 4,755 |
| Credit loss provision to net charge-offs | -166.6667% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7374% | 1,632 |
| Assets per employee ($millions) | 4.6289% | 2,963 |
| Cash dividends to net income (ytd only)* | 179.3884% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 2,079 |
| Loan loss allowance to noncurrent loans | 175.8621% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 2,424 |
| Noncurrent loans to loans | 0.7595% | 2,301 |
| Net loans and leases to total assets | 74.3138% | 1,808 |
| Net loans and leases to deposits | 81.1000% | 2,686 |
| Net loans and leases to core deposits | 84.6353% | 2,922 |
| Total domestic deposits to total assets | 91.6323% | 166 |
| Equity capital to assets | 8.0759% | 5,242 |
| Core capital (leverage) ratio | 8.4018% | 5,203 |
| Tier 1 risk-based capital ratio | 10.3504% | 5,401 |
| Total risk-based capital ratio | 11.6013% | 5,321 |
| Memoranda: | ||
| Average total assets | $313,527,000 | 2,124 |
| Average earning assets | $289,106,500 | 2,126 |
| Average equity | $26,302,500 | 2,592 |
| Average total loans | $233,631,000 | 1,940 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 820 |
| Cost of funding earning assets | 0.2693% | 4,401 |
| Net interest margin | 4.6176% | 487 |
| Noninterest income to average assets | 0.5822% | 2,538 |
| Noninterest expense to average assets | 3.6551% | 843 |
| Loan and lease loss provision to assets | -0.1366% | 5,526 |
| Net operating income to assets | 1.2940% | 1,238 |
| Return on assets (ROA) | 1.2940% | 1,256 |
| Pretax return on assets | 1.2940% | 2,375 |
| Return on Equity (ROE) | 15.5576% | 536 |
| Retained earnings to average equity (ytd only) | 14.3017% | 96 |
| Net charge-offs to loans | -0.3716% | 5,586 |
| Credit loss provision to net charge-offs | 50.4326% | 3,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9496% | 1,626 |
| Assets per employee ($millions) | 4.5920% | 3,044 |
| Cash dividends to net income (ytd only)* | 8.0724% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 1,788 |
| Loan loss allowance to noncurrent loans | 299.1493% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 2,677 |
| Noncurrent loans to loans | 0.4667% | 3,108 |
| Net loans and leases to total assets | 72.6550% | 2,144 |
| Net loans and leases to deposits | 79.8890% | 2,932 |
| Net loans and leases to core deposits | 83.4550% | 3,110 |
| Total domestic deposits to total assets | 90.9449% | 251 |
| Equity capital to assets | 8.7145% | 4,953 |
| Core capital (leverage) ratio | 8.7661% | 4,886 |
| Tier 1 risk-based capital ratio | 11.4446% | 4,889 |
| Total risk-based capital ratio | 12.6960% | 4,774 |
| Memoranda: | ||
| Average total assets | $298,677,800 | 2,176 |
| Average earning assets | $273,628,800 | 2,190 |
| Average equity | $24,843,200 | 2,687 |
| Average total loans | $217,683,800 | 2,017 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 852 |
| Cost of funding earning assets | 0.2623% | 4,462 |
| Net interest margin | 4.5817% | 506 |
| Noninterest income to average assets | 0.7215% | 1,902 |
| Noninterest expense to average assets | 3.7085% | 761 |
| Loan and lease loss provision to assets | 0.0414% | 3,283 |
| Net operating income to assets | 1.1667% | 1,812 |
| Return on assets (ROA) | 1.1667% | 1,860 |
| Pretax return on assets | 1.1667% | 3,033 |
| Return on Equity (ROE) | 14.2029% | 793 |
| Retained earnings to average equity (ytd only) | 12.4946% | 260 |
| Net charge-offs to loans | -0.4920% | 5,654 |
| Credit loss provision to net charge-offs | -11.5723% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4277% | 1,675 |
| Assets per employee ($millions) | 4.4610% | 3,221 |
| Cash dividends to net income (ytd only)* | 12.0278% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 1,084 |
| Loan loss allowance to noncurrent loans | 252.0359% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 2,156 |
| Noncurrent loans to loans | 0.6642% | 2,711 |
| Net loans and leases to total assets | 70.7100% | 2,457 |
| Net loans and leases to deposits | 77.6036% | 3,211 |
| Net loans and leases to core deposits | 80.8901% | 3,382 |
| Total domestic deposits to total assets | 91.1168% | 157 |
| Equity capital to assets | 8.4734% | 5,299 |
| Core capital (leverage) ratio | 8.5174% | 5,234 |
| Tier 1 risk-based capital ratio | 11.2984% | 5,074 |
| Total risk-based capital ratio | 12.5532% | 4,968 |
| Memoranda: | ||
| Average total assets | $296,432,000 | 2,201 |
| Average earning assets | $271,420,250 | 2,217 |
| Average equity | $24,351,250 | 2,748 |
| Average total loans | $215,430,750 | 2,039 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 847 |
| Cost of funding earning assets | 0.2608% | 4,457 |
| Net interest margin | 4.5470% | 515 |
| Noninterest income to average assets | 0.4930% | 3,064 |
| Noninterest expense to average assets | 3.7399% | 731 |
| Loan and lease loss provision to assets | 0.0626% | 2,719 |
| Net operating income to assets | 0.8513% | 3,148 |
| Return on assets (ROA) | 0.8513% | 3,200 |
| Pretax return on assets | 0.8513% | 4,093 |
| Return on Equity (ROE) | 10.4768% | 1,842 |
| Retained earnings to average equity (ytd only) | 7.8660% | 1,221 |
| Net charge-offs to loans | -0.6479% | 5,711 |
| Credit loss provision to net charge-offs | -13.2374% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3624% | 1,175 |
| Assets per employee ($millions) | 4.3387% | 3,365 |
| Cash dividends to net income (ytd only)* | 24.9201% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 1,060 |
| Loan loss allowance to noncurrent loans | 255.1006% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 2,214 |
| Noncurrent loans to loans | 0.6669% | 2,750 |
| Net loans and leases to total assets | 68.5319% | 2,736 |
| Net loans and leases to deposits | 74.8747% | 3,458 |
| Net loans and leases to core deposits | 77.2421% | 3,661 |
| Total domestic deposits to total assets | 91.5288% | 126 |
| Equity capital to assets | 8.1408% | 5,473 |
| Core capital (leverage) ratio | 8.1193% | 5,475 |
| Tier 1 risk-based capital ratio | 11.1411% | 5,180 |
| Total risk-based capital ratio | 12.3962% | 5,061 |
| Memoranda: | ||
| Average total assets | $294,126,330 | 2,227 |
| Average earning assets | $269,144,000 | 2,242 |
| Average equity | $23,900,330 | 2,793 |
| Average total loans | $214,524,330 | 2,052 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 733 |
| Cost of funding earning assets | 0.2592% | 4,460 |
| Net interest margin | 4.5484% | 482 |
| Noninterest income to average assets | 0.5859% | 2,483 |
| Noninterest expense to average assets | 3.7859% | 691 |
| Loan and lease loss provision to assets | 0.1125% | 1,701 |
| Net operating income to assets | 0.8535% | 2,974 |
| Return on assets (ROA) | 0.8535% | 3,018 |
| Pretax return on assets | 0.8535% | 3,925 |
| Return on Equity (ROE) | 10.5134% | 1,736 |
| Retained earnings to average equity (ytd only) | 10.5134% | 701 |
| Net charge-offs to loans | -0.3753% | 5,712 |
| Credit loss provision to net charge-offs | -40.1961% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6708% | 1,421 |
| Assets per employee ($millions) | 4.4561% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 2,027 |
| Loan loss allowance to noncurrent loans | 206.7797% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 2,204 |
| Noncurrent loans to loans | 0.6831% | 2,802 |
| Net loans and leases to total assets | 71.2992% | 2,170 |
| Net loans and leases to deposits | 77.7341% | 3,006 |
| Net loans and leases to core deposits | 80.2826% | 3,269 |
| Total domestic deposits to total assets | 91.7219% | 143 |
| Equity capital to assets | 8.0252% | 5,508 |
| Core capital (leverage) ratio | 8.0496% | 5,540 |
| Tier 1 risk-based capital ratio | 10.5801% | 5,506 |
| Total risk-based capital ratio | 11.8317% | 5,426 |
| Memoranda: | ||
| Average total assets | $291,506,000 | 2,251 |
| Average earning assets | $266,993,000 | 2,266 |
| Average equity | $23,665,000 | 2,828 |
| Average total loans | $217,430,000 | 2,044 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 537 |
| Cost of funding earning assets | 0.2746% | 4,316 |
| Net interest margin | 4.7817% | 363 |
| Noninterest income to average assets | 0.4416% | 3,605 |
| Noninterest expense to average assets | 3.6548% | 943 |
| Loan and lease loss provision to assets | 0.3770% | 433 |
| Net operating income to assets | 0.8051% | 3,282 |
| Return on assets (ROA) | 0.8051% | 3,386 |
| Pretax return on assets | 0.8051% | 4,174 |
| Return on Equity (ROE) | 9.9711% | 1,967 |
| Retained earnings to average equity (ytd only) | 8.7973% | 630 |
| Net charge-offs to loans | 0.2792% | 986 |
| Credit loss provision to net charge-offs | 174.7475% | 1,590 |
| Earnings coverage of net charge-offs (x) | 5.4798% | 3,334 |
| Efficiency ratio | 75.5612% | 2,052 |
| Assets per employee ($millions) | 4.1831% | 3,641 |
| Cash dividends to net income (ytd only)* | 11.7727% | 3,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,748 |
| Loan loss allowance to noncurrent loans | 11,056.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 3,802 |
| Noncurrent loans to loans | 0.0114% | 5,242 |
| Net loans and leases to total assets | 75.9970% | 1,513 |
| Net loans and leases to deposits | 83.1158% | 2,529 |
| Net loans and leases to core deposits | 87.4448% | 2,729 |
| Total domestic deposits to total assets | 91.4351% | 173 |
| Equity capital to assets | 8.2158% | 5,460 |
| Core capital (leverage) ratio | 8.0096% | 5,615 |
| Tier 1 risk-based capital ratio | 10.1737% | 5,690 |
| Total risk-based capital ratio | 11.4236% | 5,641 |
| Memoranda: | ||
| Average total assets | $275,365,400 | 2,316 |
| Average earning assets | $253,112,800 | 2,338 |
| Average equity | $22,234,200 | 2,970 |
| Average total loans | $212,749,800 | 2,024 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0554% | 539 |
| Cost of funding earning assets | 0.2755% | 4,334 |
| Net interest margin | 4.7799% | 375 |
| Noninterest income to average assets | 0.4545% | 3,528 |
| Noninterest expense to average assets | 3.6524% | 917 |
| Loan and lease loss provision to assets | 0.4482% | 297 |
| Net operating income to assets | 0.7499% | 3,609 |
| Return on assets (ROA) | 0.7499% | 3,736 |
| Pretax return on assets | 0.7499% | 4,471 |
| Return on Equity (ROE) | 9.3300% | 2,346 |
| Retained earnings to average equity (ytd only) | 7.7446% | 1,287 |
| Net charge-offs to loans | 0.2595% | 901 |
| Credit loss provision to net charge-offs | 223.3577% | 1,321 |
| Earnings coverage of net charge-offs (x) | 5.9708% | 3,054 |
| Efficiency ratio | 75.2994% | 2,060 |
| Assets per employee ($millions) | 4.1296% | 3,735 |
| Cash dividends to net income (ytd only)* | 16.9921% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,661 |
| Loan loss allowance to noncurrent loans | 981.5972% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 3,579 |
| Noncurrent loans to loans | 0.1329% | 4,811 |
| Net loans and leases to total assets | 75.0538% | 1,694 |
| Net loans and leases to deposits | 81.8749% | 2,752 |
| Net loans and leases to core deposits | 85.8771% | 2,960 |
| Total domestic deposits to total assets | 91.6688% | 101 |
| Equity capital to assets | 7.9718% | 5,749 |
| Core capital (leverage) ratio | 7.9832% | 5,696 |
| Tier 1 risk-based capital ratio | 10.3160% | 5,695 |
| Total risk-based capital ratio | 11.5670% | 5,622 |
| Memoranda: | ||
| Average total assets | $273,093,750 | 2,344 |
| Average earning assets | $251,157,000 | 2,364 |
| Average equity | $21,950,250 | 3,013 |
| Average total loans | $211,202,500 | 2,041 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 501 |
| Cost of funding earning assets | 0.2770% | 4,378 |
| Net interest margin | 4.8137% | 357 |
| Noninterest income to average assets | 0.4243% | 3,701 |
| Noninterest expense to average assets | 3.6872% | 897 |
| Loan and lease loss provision to assets | 0.5811% | 192 |
| Net operating income to assets | 0.5848% | 4,332 |
| Return on assets (ROA) | 0.5848% | 4,457 |
| Pretax return on assets | 0.5848% | 4,926 |
| Return on Equity (ROE) | 7.2550% | 3,393 |
| Retained earnings to average equity (ytd only) | 4.8490% | 2,823 |
| Net charge-offs to loans | 0.1891% | 1,215 |
| Credit loss provision to net charge-offs | 394.9495% | 784 |
| Earnings coverage of net charge-offs (x) | 7.9242% | 2,571 |
| Efficiency ratio | 75.9761% | 2,082 |
| Assets per employee ($millions) | 4.0348% | 3,839 |
| Cash dividends to net income (ytd only)* | 33.1639% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 2,495 |
| Loan loss allowance to noncurrent loans | 221.6031% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 2,602 |
| Noncurrent loans to loans | 0.6128% | 3,232 |
| Net loans and leases to total assets | 75.7378% | 1,532 |
| Net loans and leases to deposits | 82.4224% | 2,660 |
| Net loans and leases to core deposits | 86.5342% | 2,852 |
| Total domestic deposits to total assets | 91.8898% | 95 |
| Equity capital to assets | 7.8814% | 5,836 |
| Core capital (leverage) ratio | 7.8856% | 5,786 |
| Tier 1 risk-based capital ratio | 10.1227% | 5,812 |
| Total risk-based capital ratio | 11.3745% | 5,753 |
| Memoranda: | ||
| Average total assets | $269,144,670 | 2,391 |
| Average earning assets | $247,628,670 | 2,403 |
| Average equity | $21,695,330 | 3,041 |
| Average total loans | $209,374,670 | 2,060 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 476 |
| Cost of funding earning assets | 0.2819% | 4,365 |
| Net interest margin | 4.8385% | 337 |
| Noninterest income to average assets | 0.4219% | 3,672 |
| Noninterest expense to average assets | 3.6716% | 933 |
| Loan and lease loss provision to assets | 0.5852% | 191 |
| Net operating income to assets | 0.6034% | 4,164 |
| Return on assets (ROA) | 0.6034% | 4,284 |
| Pretax return on assets | 0.6034% | 4,814 |
| Return on Equity (ROE) | 7.3985% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.3985% | 1,707 |
| Net charge-offs to loans | 0.0232% | 2,468 |
| Credit loss provision to net charge-offs | 3,225.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 732 |
| Efficiency ratio | 75.5445% | 2,242 |
| Assets per employee ($millions) | 4.1232% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 3,021 |
| Loan loss allowance to noncurrent loans | 354.6053% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 3,474 |
| Noncurrent loans to loans | 0.3598% | 4,142 |
| Net loans and leases to total assets | 75.4790% | 1,471 |
| Net loans and leases to deposits | 82.3179% | 2,505 |
| Net loans and leases to core deposits | 85.2051% | 2,823 |
| Total domestic deposits to total assets | 91.6920% | 139 |
| Equity capital to assets | 7.8888% | 5,864 |
| Core capital (leverage) ratio | 8.3558% | 5,511 |
| Tier 1 risk-based capital ratio | 10.3649% | 5,800 |
| Total risk-based capital ratio | 11.6157% | 5,724 |
| Memoranda: | ||
| Average total assets | $264,515,000 | 2,432 |
| Average earning assets | $242,635,500 | 2,446 |
| Average equity | $21,572,000 | 3,058 |
| Average total loans | $207,182,000 | 2,083 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 445 |
| Cost of funding earning assets | 0.2850% | 4,414 |
| Net interest margin | 4.8951% | 303 |
| Noninterest income to average assets | 0.5081% | 3,267 |
| Noninterest expense to average assets | 3.8011% | 860 |
| Loan and lease loss provision to assets | 0.4350% | 286 |
| Net operating income to assets | 0.7633% | 3,513 |
| Return on assets (ROA) | 0.7658% | 3,576 |
| Pretax return on assets | 0.7658% | 4,312 |
| Return on Equity (ROE) | 9.1322% | 2,395 |
| Retained earnings to average equity (ytd only) | 4.7309% | 2,619 |
| Net charge-offs to loans | 0.5004% | 530 |
| Credit loss provision to net charge-offs | 111.3166% | 2,271 |
| Earnings coverage of net charge-offs (x) | 3.0664% | 3,783 |
| Efficiency ratio | 76.0313% | 2,264 |
| Assets per employee ($millions) | 3.9496% | 4,028 |
| Cash dividends to net income (ytd only)* | 48.1954% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 3,797 |
| Loan loss allowance to noncurrent loans | 106.5687% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 1,905 |
| Noncurrent loans to loans | 1.0716% | 2,201 |
| Net loans and leases to total assets | 79.4518% | 928 |
| Net loans and leases to deposits | 87.2438% | 1,969 |
| Net loans and leases to core deposits | 90.3787% | 2,376 |
| Total domestic deposits to total assets | 91.0688% | 262 |
| Equity capital to assets | 8.4466% | 5,606 |
| Core capital (leverage) ratio | 8.4231% | 5,498 |
| Tier 1 risk-based capital ratio | 10.5109% | 5,772 |
| Total risk-based capital ratio | 11.7241% | 5,707 |
| Memoranda: | ||
| Average total assets | $235,169,800 | 2,619 |
| Average earning assets | $215,768,800 | 2,627 |
| Average equity | $19,721,400 | 3,199 |
| Average total loans | $183,668,400 | 2,201 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1265% | 491 |
| Cost of funding earning assets | 0.2814% | 4,542 |
| Net interest margin | 4.8450% | 340 |
| Noninterest income to average assets | 0.5391% | 3,113 |
| Noninterest expense to average assets | 3.8127% | 838 |
| Loan and lease loss provision to assets | 0.1491% | 1,460 |
| Net operating income to assets | 1.0134% | 2,403 |
| Return on assets (ROA) | 1.0169% | 2,486 |
| Pretax return on assets | 1.0169% | 3,550 |
| Return on Equity (ROE) | 12.1498% | 1,336 |
| Retained earnings to average equity (ytd only) | 6.1577% | 2,150 |
| Net charge-offs to loans | -0.0052% | 4,838 |
| Credit loss provision to net charge-offs | -3,685.7143% | 5,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6345% | 2,139 |
| Assets per employee ($millions) | 3.8546% | 4,167 |
| Cash dividends to net income (ytd only)* | 49.3180% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 3,352 |
| Loan loss allowance to noncurrent loans | 76.1043% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 1,403 |
| Noncurrent loans to loans | 1.6453% | 1,498 |
| Net loans and leases to total assets | 78.0902% | 1,083 |
| Net loans and leases to deposits | 85.9180% | 2,152 |
| Net loans and leases to core deposits | 89.5245% | 2,511 |
| Total domestic deposits to total assets | 90.8892% | 279 |
| Equity capital to assets | 8.5101% | 5,703 |
| Core capital (leverage) ratio | 8.7541% | 5,295 |
| Tier 1 risk-based capital ratio | 10.6838% | 5,807 |
| Total risk-based capital ratio | 11.9345% | 5,737 |
| Memoranda: | ||
| Average total assets | $230,768,000 | 2,677 |
| Average earning assets | $211,289,750 | 2,685 |
| Average equity | $19,314,000 | 3,269 |
| Average total loans | $178,796,500 | 2,259 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 389 |
| Cost of funding earning assets | 0.2801% | 4,613 |
| Net interest margin | 4.9776% | 257 |
| Noninterest income to average assets | 0.5130% | 3,279 |
| Noninterest expense to average assets | 3.8863% | 779 |
| Loan and lease loss provision to assets | 0.1659% | 1,267 |
| Net operating income to assets | 1.0108% | 2,335 |
| Return on assets (ROA) | 1.0162% | 2,417 |
| Pretax return on assets | 1.0162% | 3,515 |
| Return on Equity (ROE) | 12.2180% | 1,311 |
| Retained earnings to average equity (ytd only) | 2.9070% | 4,190 |
| Net charge-offs to loans | 0.0081% | 3,616 |
| Credit loss provision to net charge-offs | 2,657.1429% | 156 |
| Earnings coverage of net charge-offs (x) | 188.4286% | 361 |
| Efficiency ratio | 76.7577% | 2,234 |
| Assets per employee ($millions) | 3.7115% | 4,402 |
| Cash dividends to net income (ytd only)* | 76.2072% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,999 |
| Loan loss allowance to noncurrent loans | 310.6355% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 3,559 |
| Noncurrent loans to loans | 0.4341% | 4,181 |
| Net loans and leases to total assets | 72.6312% | 1,876 |
| Net loans and leases to deposits | 79.9356% | 2,792 |
| Net loans and leases to core deposits | 83.1319% | 3,069 |
| Total domestic deposits to total assets | 90.8621% | 338 |
| Equity capital to assets | 8.5754% | 5,619 |
| Core capital (leverage) ratio | 9.0942% | 4,827 |
| Tier 1 risk-based capital ratio | 11.7706% | 5,301 |
| Total risk-based capital ratio | 13.0223% | 5,205 |
| Memoranda: | ||
| Average total assets | $224,174,000 | 2,752 |
| Average earning assets | $204,918,000 | 2,758 |
| Average equity | $18,644,670 | 3,343 |
| Average total loans | $172,350,000 | 2,343 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2097% | 400 |
| Cost of funding earning assets | 0.2813% | 4,655 |
| Net interest margin | 4.9285% | 281 |
| Noninterest income to average assets | 0.5268% | 3,109 |
| Noninterest expense to average assets | 4.0216% | 671 |
| Loan and lease loss provision to assets | 0.1707% | 1,159 |
| Net operating income to assets | 0.8199% | 3,159 |
| Return on assets (ROA) | 0.8199% | 3,286 |
| Pretax return on assets | 0.8199% | 4,170 |
| Return on Equity (ROE) | 10.0323% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.0323% | 919 |
| Net charge-offs to loans | 0.0024% | 3,238 |
| Credit loss provision to net charge-offs | 9,200.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 534.0000% | 101 |
| Efficiency ratio | 80.2369% | 1,871 |
| Assets per employee ($millions) | 3.4612% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 3,140 |
| Loan loss allowance to noncurrent loans | 179.3935% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 2,823 |
| Noncurrent loans to loans | 0.7533% | 3,377 |
| Net loans and leases to total assets | 76.0243% | 1,203 |
| Net loans and leases to deposits | 83.0081% | 2,208 |
| Net loans and leases to core deposits | 86.4862% | 2,500 |
| Total domestic deposits to total assets | 91.5866% | 213 |
| Equity capital to assets | 8.0635% | 6,002 |
| Core capital (leverage) ratio | 8.4362% | 5,589 |
| Tier 1 risk-based capital ratio | 10.6653% | 5,952 |
| Total risk-based capital ratio | 11.9172% | 5,876 |
| Memoranda: | ||
| Average total assets | $215,636,500 | 2,847 |
| Average earning assets | $196,247,500 | 2,880 |
| Average equity | $17,623,000 | 3,506 |
| Average total loans | $169,716,500 | 2,369 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4029% | 376 |
| Cost of funding earning assets | 0.3145% | 4,635 |
| Net interest margin | 5.0885% | 256 |
| Noninterest income to average assets | 0.6507% | 2,544 |
| Noninterest expense to average assets | 4.2166% | 593 |
| Loan and lease loss provision to assets | 0.2181% | 1,130 |
| Net operating income to assets | 0.8317% | 3,215 |
| Return on assets (ROA) | 0.8332% | 3,299 |
| Pretax return on assets | 0.8332% | 4,137 |
| Return on Equity (ROE) | 10.0897% | 2,079 |
| Retained earnings to average equity (ytd only) | 7.3154% | 1,268 |
| Net charge-offs to loans | 0.0112% | 4,685 |
| Credit loss provision to net charge-offs | 2,558.8235% | 123 |
| Earnings coverage of net charge-offs (x) | 123.1765% | 427 |
| Efficiency ratio | 80.0666% | 1,919 |
| Assets per employee ($millions) | 3.4386% | 4,993 |
| Cash dividends to net income (ytd only)* | 27.4970% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 3,346 |
| Loan loss allowance to noncurrent loans | 255.5940% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 3,318 |
| Noncurrent loans to loans | 0.5139% | 4,127 |
| Net loans and leases to total assets | 79.3795% | 827 |
| Net loans and leases to deposits | 87.0136% | 1,845 |
| Net loans and leases to core deposits | 90.5804% | 2,225 |
| Total domestic deposits to total assets | 91.2265% | 291 |
| Equity capital to assets | 8.2877% | 5,898 |
| Core capital (leverage) ratio | 8.1466% | 5,894 |
| Tier 1 risk-based capital ratio | 10.4462% | 6,127 |
| Total risk-based capital ratio | 11.6979% | 6,066 |
| Memoranda: | ||
| Average total assets | $199,472,200 | 3,011 |
| Average earning assets | $180,938,400 | 3,027 |
| Average equity | $16,472,200 | 3,607 |
| Average total loans | $152,372,000 | 2,546 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3133% | 439 |
| Cost of funding earning assets | 0.3194% | 4,680 |
| Net interest margin | 4.9939% | 302 |
| Noninterest income to average assets | 0.6440% | 2,609 |
| Noninterest expense to average assets | 4.1495% | 644 |
| Loan and lease loss provision to assets | 0.1794% | 1,366 |
| Net operating income to assets | 0.8464% | 3,196 |
| Return on assets (ROA) | 0.8464% | 3,288 |
| Pretax return on assets | 0.8464% | 4,193 |
| Return on Equity (ROE) | 10.2598% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.5088% | 2,098 |
| Net charge-offs to loans | 0.0189% | 4,156 |
| Credit loss provision to net charge-offs | 1,261.9048% | 273 |
| Earnings coverage of net charge-offs (x) | 72.1411% | 759 |
| Efficiency ratio | 80.1779% | 1,887 |
| Assets per employee ($millions) | 3.5083% | 4,850 |
| Cash dividends to net income (ytd only)* | 36.5600% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 3,933 |
| Loan loss allowance to noncurrent loans | 367.4460% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 4,025 |
| Noncurrent loans to loans | 0.3407% | 4,877 |
| Net loans and leases to total assets | 76.5575% | 1,155 |
| Net loans and leases to deposits | 83.6310% | 2,204 |
| Net loans and leases to core deposits | 86.9391% | 2,551 |
| Total domestic deposits to total assets | 91.5420% | 223 |
| Equity capital to assets | 8.0262% | 6,120 |
| Core capital (leverage) ratio | 8.2855% | 5,850 |
| Tier 1 risk-based capital ratio | 10.5605% | 6,188 |
| Total risk-based capital ratio | 11.8115% | 6,133 |
| Memoranda: | ||
| Average total assets | $196,901,000 | 3,051 |
| Average earning assets | $178,665,500 | 3,083 |
| Average equity | $16,244,250 | 3,659 |
| Average total loans | $148,285,000 | 2,604 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 438 |
| Cost of funding earning assets | 0.3274% | 4,671 |
| Net interest margin | 4.9607% | 303 |
| Noninterest income to average assets | 0.5042% | 3,455 |
| Noninterest expense to average assets | 4.2086% | 591 |
| Loan and lease loss provision to assets | 0.1456% | 1,697 |
| Net operating income to assets | 0.6394% | 4,156 |
| Return on assets (ROA) | 0.6394% | 4,259 |
| Pretax return on assets | 0.6394% | 4,821 |
| Return on Equity (ROE) | 7.6744% | 3,278 |
| Retained earnings to average equity (ytd only) | 1.9716% | 4,891 |
| Net charge-offs to loans | -0.0181% | 5,505 |
| Credit loss provision to net charge-offs | -1,076.9231% | 5,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2807% | 1,473 |
| Assets per employee ($millions) | 3.3365% | 5,181 |
| Cash dividends to net income (ytd only)* | 74.3089% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 3,834 |
| Loan loss allowance to noncurrent loans | 349.8208% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 2,646 |
| Noncurrent loans to loans | 0.3729% | 4,875 |
| Net loans and leases to total assets | 73.7674% | 1,470 |
| Net loans and leases to deposits | 80.6157% | 2,434 |
| Net loans and leases to core deposits | 83.1466% | 2,833 |
| Total domestic deposits to total assets | 91.5051% | 265 |
| Equity capital to assets | 8.1208% | 6,083 |
| Core capital (leverage) ratio | 8.2159% | 5,913 |
| Tier 1 risk-based capital ratio | 10.9176% | 6,081 |
| Total risk-based capital ratio | 12.1695% | 6,028 |
| Memoranda: | ||
| Average total assets | $192,368,670 | 3,118 |
| Average earning assets | $174,089,670 | 3,149 |
| Average equity | $16,027,330 | 3,689 |
| Average total loans | $143,315,000 | 2,682 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 444 |
| Cost of funding earning assets | 0.3334% | 4,708 |
| Net interest margin | 4.9241% | 310 |
| Noninterest income to average assets | 0.5073% | 3,352 |
| Noninterest expense to average assets | 4.2577% | 569 |
| Loan and lease loss provision to assets | 0.1380% | 1,762 |
| Net operating income to assets | 0.5625% | 4,401 |
| Return on assets (ROA) | 0.5625% | 4,479 |
| Pretax return on assets | 0.5625% | 4,976 |
| Return on Equity (ROE) | 6.6614% | 3,655 |
| Retained earnings to average equity (ytd only) | -4.8264% | 6,110 |
| Net charge-offs to loans | -0.0400% | 5,709 |
| Credit loss provision to net charge-offs | -464.2857% | 5,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8733% | 1,472 |
| Assets per employee ($millions) | 3.3165% | 5,315 |
| Cash dividends to net income (ytd only)* | 172.4528% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,151 |
| Loan loss allowance to noncurrent loans | 304.7078% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 2,729 |
| Noncurrent loans to loans | 0.4250% | 4,866 |
| Net loans and leases to total assets | 74.3788% | 1,214 |
| Net loans and leases to deposits | 81.3589% | 2,120 |
| Net loans and leases to core deposits | 83.5106% | 2,572 |
| Total domestic deposits to total assets | 91.4206% | 406 |
| Equity capital to assets | 8.2389% | 5,879 |
| Core capital (leverage) ratio | 8.5679% | 5,562 |
| Tier 1 risk-based capital ratio | 10.9988% | 6,157 |
| Total risk-based capital ratio | 12.2503% | 6,108 |
| Memoranda: | ||
| Average total assets | $188,458,000 | 3,184 |
| Average earning assets | $170,347,000 | 3,216 |
| Average equity | $15,912,500 | 3,716 |
| Average total loans | $140,159,000 | 2,734 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 503 |
| Cost of funding earning assets | 0.3539% | 5,098 |
| Net interest margin | 4.9737% | 322 |
| Noninterest income to average assets | 0.6144% | 3,000 |
| Noninterest expense to average assets | 4.4555% | 543 |
| Loan and lease loss provision to assets | 0.1226% | 2,776 |
| Net operating income to assets | 0.5175% | 4,665 |
| Return on assets (ROA) | 0.5175% | 4,787 |
| Pretax return on assets | 0.5175% | 5,149 |
| Return on Equity (ROE) | 5.5560% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.5560% | 2,244 |
| Net charge-offs to loans | -0.0066% | 5,962 |
| Credit loss provision to net charge-offs | -2,562.5000% | 6,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4384% | 1,276 |
| Assets per employee ($millions) | 3.1821% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 3,990 |
| Loan loss allowance to noncurrent loans | 303.2040% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 2,624 |
| Noncurrent loans to loans | 0.4381% | 4,910 |
| Net loans and leases to total assets | 72.3727% | 1,620 |
| Net loans and leases to deposits | 79.5354% | 2,515 |
| Net loans and leases to core deposits | 81.5795% | 2,948 |
| Total domestic deposits to total assets | 90.9943% | 574 |
| Equity capital to assets | 8.6568% | 5,415 |
| Core capital (leverage) ratio | 9.1636% | 4,764 |
| Tier 1 risk-based capital ratio | 11.8511% | 5,705 |
| Total risk-based capital ratio | 13.1029% | 5,640 |
| Memoranda: | ||
| Average total assets | $167,165,600 | 3,455 |
| Average earning assets | $150,613,200 | 3,487 |
| Average equity | $15,568,800 | 3,771 |
| Average total loans | $120,959,400 | 3,015 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 495 |
| Cost of funding earning assets | 0.3574% | 5,224 |
| Net interest margin | 4.9818% | 327 |
| Noninterest income to average assets | 0.6715% | 2,769 |
| Noninterest expense to average assets | 4.5187% | 509 |
| Loan and lease loss provision to assets | 0.1474% | 2,434 |
| Net operating income to assets | 0.4913% | 4,834 |
| Return on assets (ROA) | 0.4913% | 4,992 |
| Pretax return on assets | 0.4913% | 5,380 |
| Return on Equity (ROE) | 5.1723% | 4,641 |
| Retained earnings to average equity (ytd only) | 5.1723% | 2,957 |
| Net charge-offs to loans | -0.0080% | 5,849 |
| Credit loss provision to net charge-offs | -2,571.4286% | 6,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6151% | 1,202 |
| Assets per employee ($millions) | 3.3268% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 3,882 |
| Loan loss allowance to noncurrent loans | 361.6327% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4521% | 2,773 |
| Noncurrent loans to loans | 0.3879% | 5,226 |
| Net loans and leases to total assets | 71.9899% | 1,593 |
| Net loans and leases to deposits | 79.5686% | 2,470 |
| Net loans and leases to core deposits | 80.7072% | 3,043 |
| Total domestic deposits to total assets | 90.4752% | 749 |
| Equity capital to assets | 9.1080% | 5,044 |
| Core capital (leverage) ratio | 9.1996% | 4,833 |
| Tier 1 risk-based capital ratio | 12.4898% | 5,464 |
| Total risk-based capital ratio | 13.7421% | 5,404 |
| Memoranda: | ||
| Average total assets | $162,817,000 | 3,557 |
| Average earning assets | $146,610,250 | 3,596 |
| Average equity | $15,466,750 | 3,836 |
| Average total loans | $117,357,000 | 3,112 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3331% | 493 |
| Cost of funding earning assets | 0.3639% | 5,283 |
| Net interest margin | 4.9692% | 327 |
| Noninterest income to average assets | 0.6687% | 2,805 |
| Noninterest expense to average assets | 4.5250% | 513 |
| Loan and lease loss provision to assets | 0.1694% | 2,218 |
| Net operating income to assets | 0.4453% | 5,037 |
| Return on assets (ROA) | 0.4453% | 5,206 |
| Pretax return on assets | 0.4453% | 5,533 |
| Return on Equity (ROE) | 4.6193% | 4,942 |
| Retained earnings to average equity (ytd only) | 4.6193% | 3,324 |
| Net charge-offs to loans | -0.0105% | 5,780 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0400% | 1,217 |
| Assets per employee ($millions) | 3.0994% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 4,012 |
| Loan loss allowance to noncurrent loans | 350.1014% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 1.5311% | 2,811 |
| Noncurrent loans to loans | 0.4012% | 5,263 |
| Net loans and leases to total assets | 73.7572% | 1,289 |
| Net loans and leases to deposits | 81.7365% | 2,090 |
| Net loans and leases to core deposits | 83.0532% | 2,689 |
| Total domestic deposits to total assets | 90.2378% | 890 |
| Equity capital to assets | 9.3884% | 4,736 |
| Core capital (leverage) ratio | 9.6208% | 4,049 |
| Tier 1 risk-based capital ratio | 12.6062% | 5,427 |
| Total risk-based capital ratio | 13.8586% | 5,365 |
| Memoranda: | ||
| Average total assets | $159,425,670 | 3,624 |
| Average earning assets | $143,442,670 | 3,669 |
| Average equity | $15,370,330 | 3,876 |
| Average total loans | $114,373,330 | 3,182 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 526 |
| Cost of funding earning assets | 0.3665% | 5,401 |
| Net interest margin | 4.9203% | 325 |
| Noninterest income to average assets | 0.8356% | 1,977 |
| Noninterest expense to average assets | 4.5170% | 526 |
| Loan and lease loss provision to assets | 0.1911% | 1,925 |
| Net operating income to assets | 0.5401% | 4,496 |
| Return on assets (ROA) | 0.5401% | 4,645 |
| Pretax return on assets | 0.5401% | 5,147 |
| Return on Equity (ROE) | 5.5264% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.5264% | 2,941 |
| Net charge-offs to loans | -0.0254% | 5,830 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0680% | 1,511 |
| Assets per employee ($millions) | 3.1232% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 3,756 |
| Loan loss allowance to noncurrent loans | 336.0887% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 2,889 |
| Noncurrent loans to loans | 0.4509% | 5,294 |
| Net loans and leases to total assets | 68.0095% | 2,007 |
| Net loans and leases to deposits | 75.5127% | 2,707 |
| Net loans and leases to core deposits | 76.9235% | 3,214 |
| Total domestic deposits to total assets | 90.0637% | 1,003 |
| Equity capital to assets | 9.7021% | 4,563 |
| Core capital (leverage) ratio | 10.0218% | 3,348 |
| Tier 1 risk-based capital ratio | 13.5756% | 4,813 |
| Total risk-based capital ratio | 14.8288% | 4,773 |
| Memoranda: | ||
| Average total assets | $157,005,500 | 3,693 |
| Average earning assets | $140,803,000 | 3,754 |
| Average equity | $15,344,500 | 3,935 |
| Average total loans | $110,118,000 | 3,285 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 450 |
| Cost of funding earning assets | 0.4621% | 5,481 |
| Net interest margin | 5.2148% | 265 |
| Noninterest income to average assets | 0.5411% | 3,641 |
| Noninterest expense to average assets | 5.0206% | 370 |
| Loan and lease loss provision to assets | 0.2610% | 2,557 |
| Net operating income to assets | -0.1157% | 6,295 |
| Return on assets (ROA) | -0.0423% | 6,339 |
| Pretax return on assets | -0.0423% | 6,325 |
| Return on Equity (ROE) | -0.4355% | 6,343 |
| Retained earnings to average equity (ytd only) | -0.4355% | 5,928 |
| Net charge-offs to loans | -0.0780% | 6,784 |
| Credit loss provision to net charge-offs | -462.5000% | 6,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1869% | 654 |
| Assets per employee ($millions) | 3.1577% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 3,984 |
| Loan loss allowance to noncurrent loans | 156.9307% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 2.2653% | 2,168 |
| Noncurrent loans to loans | 0.9162% | 4,351 |
| Net loans and leases to total assets | 70.2241% | 1,804 |
| Net loans and leases to deposits | 78.2191% | 2,492 |
| Net loans and leases to core deposits | 79.7269% | 3,045 |
| Total domestic deposits to total assets | 89.7787% | 1,081 |
| Equity capital to assets | 9.8464% | 4,385 |
| Core capital (leverage) ratio | 9.6786% | 3,846 |
| Tier 1 risk-based capital ratio | 13.4284% | 4,808 |
| Total risk-based capital ratio | 14.6810% | 4,757 |
| Memoranda: | ||
| Average total assets | $141,756,600 | 3,918 |
| Average earning assets | $125,720,200 | 3,987 |
| Average equity | $13,776,000 | 4,208 |
| Average total loans | $102,516,200 | 3,465 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7045% | 459 |
| Cost of funding earning assets | 0.4707% | 5,633 |
| Net interest margin | 5.2338% | 278 |
| Noninterest income to average assets | 0.5689% | 3,480 |
| Noninterest expense to average assets | 5.2114% | 322 |
| Loan and lease loss provision to assets | 0.2936% | 2,236 |
| Net operating income to assets | -0.3013% | 6,572 |
| Return on assets (ROA) | -0.3013% | 6,630 |
| Pretax return on assets | -0.3013% | 6,599 |
| Return on Equity (ROE) | -3.1117% | 6,626 |
| Retained earnings to average equity (ytd only) | -3.1117% | 6,486 |
| Net charge-offs to loans | -0.1259% | 6,908 |
| Credit loss provision to net charge-offs | -321.0526% | 6,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1480% | 529 |
| Assets per employee ($millions) | 2.9573% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 4,312 |
| Loan loss allowance to noncurrent loans | 167.9431% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 2.0081% | 2,623 |
| Noncurrent loans to loans | 0.8423% | 4,731 |
| Net loans and leases to total assets | 69.5696% | 1,999 |
| Net loans and leases to deposits | 77.4116% | 2,742 |
| Net loans and leases to core deposits | 78.8517% | 3,344 |
| Total domestic deposits to total assets | 89.8697% | 914 |
| Equity capital to assets | 9.7706% | 4,817 |
| Core capital (leverage) ratio | 10.2321% | 3,252 |
| Tier 1 risk-based capital ratio | 13.6007% | 4,818 |
| Total risk-based capital ratio | 14.8527% | 4,774 |
| Memoranda: | ||
| Average total assets | $138,514,250 | 4,014 |
| Average earning assets | $122,661,250 | 4,086 |
| Average equity | $13,411,250 | 4,313 |
| Average total loans | $100,585,250 | 3,544 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7936% | 408 |
| Cost of funding earning assets | 0.4866% | 5,713 |
| Net interest margin | 5.3070% | 242 |
| Noninterest income to average assets | 0.5291% | 3,732 |
| Noninterest expense to average assets | 5.4577% | 283 |
| Loan and lease loss provision to assets | 0.2998% | 2,186 |
| Net operating income to assets | -0.5531% | 6,758 |
| Return on assets (ROA) | -0.5531% | 6,790 |
| Pretax return on assets | -0.5531% | 6,756 |
| Return on Equity (ROE) | -5.7328% | 6,793 |
| Retained earnings to average equity (ytd only) | -5.7328% | 6,659 |
| Net charge-offs to loans | -0.0408% | 6,613 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8675% | 418 |
| Assets per employee ($millions) | 2.6148% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 4,648 |
| Loan loss allowance to noncurrent loans | 147.4429% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 2.2748% | 2,459 |
| Noncurrent loans to loans | 0.9185% | 4,665 |
| Net loans and leases to total assets | 72.5903% | 1,461 |
| Net loans and leases to deposits | 81.7908% | 2,141 |
| Net loans and leases to core deposits | 83.4645% | 2,759 |
| Total domestic deposits to total assets | 88.7512% | 1,671 |
| Equity capital to assets | 11.0090% | 3,105 |
| Core capital (leverage) ratio | 10.6533% | 2,660 |
| Tier 1 risk-based capital ratio | 14.4312% | 4,152 |
| Total risk-based capital ratio | 15.6826% | 4,116 |
| Memoranda: | ||
| Average total assets | $133,426,670 | 4,131 |
| Average earning assets | $117,543,330 | 4,228 |
| Average equity | $12,873,330 | 4,418 |
| Average total loans | $97,941,330 | 3,622 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8240% | 412 |
| Cost of funding earning assets | 0.4836% | 5,919 |
| Net interest margin | 5.3404% | 233 |
| Noninterest income to average assets | 0.6205% | 3,102 |
| Noninterest expense to average assets | 6.1171% | 191 |
| Loan and lease loss provision to assets | 0.3178% | 1,972 |
| Net operating income to assets | -1.1350% | 7,026 |
| Return on assets (ROA) | -1.1350% | 7,037 |
| Pretax return on assets | -1.1350% | 7,005 |
| Return on Equity (ROE) | -12.6845% | 7,035 |
| Retained earnings to average equity (ytd only) | -12.6845% | 6,918 |
| Net charge-offs to loans | -0.6482% | 7,171 |
| Credit loss provision to net charge-offs | -66.8790% | 5,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4198% | 267 |
| Assets per employee ($millions) | 2.8834% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 4,397 |
| Loan loss allowance to noncurrent loans | 55.2392% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 4.6372% | 1,145 |
| Noncurrent loans to loans | 2.6176% | 2,485 |
| Net loans and leases to total assets | 68.7981% | 1,970 |
| Net loans and leases to deposits | 77.2760% | 2,632 |
| Net loans and leases to core deposits | 78.4966% | 3,262 |
| Total domestic deposits to total assets | 89.0291% | 1,679 |
| Equity capital to assets | 10.8113% | 3,132 |
| Core capital (leverage) ratio | 11.2571% | 2,071 |
| Tier 1 risk-based capital ratio | 14.5765% | 4,042 |
| Total risk-based capital ratio | 15.8283% | 3,999 |
| Memoranda: | ||
| Average total assets | $132,155,000 | 4,184 |
| Average earning assets | $115,796,500 | 4,297 |
| Average equity | $11,825,500 | 4,652 |
| Average total loans | $96,884,000 | 3,665 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9009% | 519 |
| Cost of funding earning assets | 0.7357% | 5,308 |
| Net interest margin | 5.1652% | 303 |
| Noninterest income to average assets | 0.7495% | 2,340 |
| Noninterest expense to average assets | 5.3079% | 301 |
| Loan and lease loss provision to assets | 0.3061% | 3,222 |
| Net operating income to assets | -0.3444% | 6,378 |
| Return on assets (ROA) | -0.3435% | 6,426 |
| Pretax return on assets | -0.3435% | 6,378 |
| Return on Equity (ROE) | -4.6451% | 6,511 |
| Retained earnings to average equity (ytd only) | -4.6451% | 6,420 |
| Net charge-offs to loans | 0.5720% | 2,737 |
| Credit loss provision to net charge-offs | 74.0443% | 4,702 |
| Earnings coverage of net charge-offs (x) | -0.0926% | 5,894 |
| Efficiency ratio | 100.7261% | 647 |
| Assets per employee ($millions) | 2.7371% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 5,546 |
| Loan loss allowance to noncurrent loans | 176.7913% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 3.8075% | 1,518 |
| Noncurrent loans to loans | 0.6608% | 5,383 |
| Net loans and leases to total assets | 76.2604% | 920 |
| Net loans and leases to deposits | 82.1355% | 2,181 |
| Net loans and leases to core deposits | 82.8556% | 3,047 |
| Total domestic deposits to total assets | 92.8472% | 143 |
| Equity capital to assets | 6.9003% | 6,986 |
| Core capital (leverage) ratio | 6.8600% | 6,911 |
| Tier 1 risk-based capital ratio | 8.7545% | 7,055 |
| Total risk-based capital ratio | 9.9477% | 7,065 |
| Memoranda: | ||
| Average total assets | $120,216,400 | 4,395 |
| Average earning assets | $105,203,600 | 4,518 |
| Average equity | $8,891,000 | 5,310 |
| Average total loans | $86,883,400 | 3,936 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8009% | 700 |
| Cost of funding earning assets | 0.7864% | 5,243 |
| Net interest margin | 5.0145% | 399 |
| Noninterest income to average assets | 0.7374% | 2,379 |
| Noninterest expense to average assets | 5.4154% | 272 |
| Loan and lease loss provision to assets | 0.0730% | 5,542 |
| Net operating income to assets | -0.3636% | 6,557 |
| Return on assets (ROA) | -0.3636% | 6,608 |
| Pretax return on assets | -0.3636% | 6,539 |
| Return on Equity (ROE) | -4.8312% | 6,672 |
| Retained earnings to average equity (ytd only) | -4.8312% | 6,585 |
| Net charge-offs to loans | 0.4190% | 3,047 |
| Credit loss provision to net charge-offs | 24.5283% | 5,500 |
| Earnings coverage of net charge-offs (x) | -0.9774% | 5,927 |
| Efficiency ratio | 105.6724% | 509 |
| Assets per employee ($millions) | 2.6507% | 6,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 5,479 |
| Loan loss allowance to noncurrent loans | 89.5623% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 4.4180% | 1,362 |
| Noncurrent loans to loans | 1.3364% | 4,295 |
| Net loans and leases to total assets | 72.0320% | 1,695 |
| Net loans and leases to deposits | 77.9768% | 3,000 |
| Net loans and leases to core deposits | 78.9810% | 3,777 |
| Total domestic deposits to total assets | 92.3761% | 171 |
| Equity capital to assets | 7.1983% | 7,015 |
| Core capital (leverage) ratio | 7.2838% | 6,865 |
| Tier 1 risk-based capital ratio | 8.9875% | 7,117 |
| Total risk-based capital ratio | 10.1273% | 7,127 |
| Memoranda: | ||
| Average total assets | $118,793,500 | 4,465 |
| Average earning assets | $103,936,000 | 4,574 |
| Average equity | $8,941,750 | 5,326 |
| Average total loans | $84,316,000 | 4,051 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 1,116 |
| Cost of funding earning assets | 0.8407% | 5,126 |
| Net interest margin | 4.7368% | 674 |
| Noninterest income to average assets | 0.8680% | 1,749 |
| Noninterest expense to average assets | 5.3793% | 283 |
| Loan and lease loss provision to assets | 0.0764% | 5,352 |
| Net operating income to assets | -0.4246% | 6,636 |
| Return on assets (ROA) | -0.4246% | 6,662 |
| Pretax return on assets | -0.4246% | 6,605 |
| Return on Equity (ROE) | -5.5576% | 6,748 |
| Retained earnings to average equity (ytd only) | -5.5576% | 6,612 |
| Net charge-offs to loans | 0.4421% | 2,804 |
| Credit loss provision to net charge-offs | 24.5902% | 5,071 |
| Earnings coverage of net charge-offs (x) | -1.1202% | 5,652 |
| Efficiency ratio | 106.9210% | 538 |
| Assets per employee ($millions) | 2.4929% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 4,690 |
| Loan loss allowance to noncurrent loans | 64.5642% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 5.0723% | 1,202 |
| Noncurrent loans to loans | 2.1348% | 3,303 |
| Net loans and leases to total assets | 68.7629% | 2,467 |
| Net loans and leases to deposits | 74.6604% | 3,698 |
| Net loans and leases to core deposits | 75.9469% | 4,323 |
| Total domestic deposits to total assets | 92.1009% | 217 |
| Equity capital to assets | 7.5543% | 6,922 |
| Core capital (leverage) ratio | 7.4810% | 6,753 |
| Tier 1 risk-based capital ratio | 9.9269% | 6,999 |
| Total risk-based capital ratio | 11.1775% | 7,000 |
| Memoranda: | ||
| Average total assets | $117,747,330 | 4,522 |
| Average earning assets | $103,488,670 | 4,614 |
| Average equity | $8,996,670 | 5,328 |
| Average total loans | $82,790,000 | 4,132 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5370% | 1,207 |
| Cost of funding earning assets | 0.9158% | 4,809 |
| Net interest margin | 4.6212% | 828 |
| Noninterest income to average assets | 0.8099% | 1,991 |
| Noninterest expense to average assets | 5.0560% | 350 |
| Loan and lease loss provision to assets | 0.0508% | 5,365 |
| Net operating income to assets | -0.2101% | 6,571 |
| Return on assets (ROA) | -0.2101% | 6,583 |
| Pretax return on assets | -0.2101% | 6,544 |
| Return on Equity (ROE) | -2.7344% | 6,641 |
| Retained earnings to average equity (ytd only) | -2.7344% | 6,253 |
| Net charge-offs to loans | 0.8783% | 1,504 |
| Credit loss provision to net charge-offs | 8.1967% | 4,402 |
| Earnings coverage of net charge-offs (x) | -0.2568% | 4,719 |
| Efficiency ratio | 103.2526% | 644 |
| Assets per employee ($millions) | 2.7303% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 4,479 |
| Loan loss allowance to noncurrent loans | 39.3113% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 5.7128% | 1,039 |
| Noncurrent loans to loans | 3.6642% | 2,023 |
| Net loans and leases to total assets | 63.8763% | 3,454 |
| Net loans and leases to deposits | 69.3959% | 4,449 |
| Net loans and leases to core deposits | 70.3094% | 5,007 |
| Total domestic deposits to total assets | 92.0461% | 269 |
| Equity capital to assets | 7.6992% | 6,746 |
| Core capital (leverage) ratio | 7.5672% | 6,686 |
| Tier 1 risk-based capital ratio | 10.8629% | 6,604 |
| Total risk-based capital ratio | 12.1140% | 6,580 |
| Memoranda: | ||
| Average total assets | $118,038,500 | 4,539 |
| Average earning assets | $104,389,000 | 4,628 |
| Average equity | $9,069,500 | 5,299 |
| Average total loans | $83,339,000 | 4,152 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1240% | 669 |
| Cost of funding earning assets | 1.1661% | 4,762 |
| Net interest margin | 4.9579% | 476 |
| Noninterest income to average assets | 1.0175% | 1,451 |
| Noninterest expense to average assets | 4.8805% | 463 |
| Loan and lease loss provision to assets | 0.9555% | 1,705 |
| Net operating income to assets | -0.3855% | 6,296 |
| Return on assets (ROA) | -0.3855% | 6,328 |
| Pretax return on assets | -0.3855% | 6,233 |
| Return on Equity (ROE) | -5.1887% | 6,449 |
| Retained earnings to average equity (ytd only) | -6.8807% | 6,455 |
| Net charge-offs to loans | 1.1055% | 2,016 |
| Credit loss provision to net charge-offs | 115.3846% | 3,748 |
| Earnings coverage of net charge-offs (x) | 0.6883% | 5,423 |
| Efficiency ratio | 89.5433% | 1,356 |
| Assets per employee ($millions) | 2.9669% | 6,177 |
| Cash dividends to net income (ytd only)* | -32.6087% | 7,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,539 |
| Loan loss allowance to noncurrent loans | 28.4364% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 5.9313% | 1,012 |
| Noncurrent loans to loans | 4.9067% | 1,393 |
| Net loans and leases to total assets | 75.2694% | 1,421 |
| Net loans and leases to deposits | 81.8228% | 2,840 |
| Net loans and leases to core deposits | 83.2209% | 3,717 |
| Total domestic deposits to total assets | 91.9907% | 288 |
| Equity capital to assets | 7.6680% | 6,769 |
| Core capital (leverage) ratio | 7.3998% | 6,787 |
| Tier 1 risk-based capital ratio | 10.3261% | 6,810 |
| Total risk-based capital ratio | 11.5789% | 6,783 |
| Memoranda: | ||
| Average total assets | $119,312,600 | 4,498 |
| Average earning assets | $106,678,600 | 4,543 |
| Average equity | $8,865,400 | 5,459 |
| Average total loans | $89,372,200 | 4,069 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1816% | 637 |
| Cost of funding earning assets | 1.1852% | 4,946 |
| Net interest margin | 4.9965% | 446 |
| Noninterest income to average assets | 1.0591% | 1,278 |
| Noninterest expense to average assets | 4.8189% | 439 |
| Loan and lease loss provision to assets | 0.1004% | 6,018 |
| Net operating income to assets | 0.6093% | 3,843 |
| Return on assets (ROA) | 0.6093% | 4,007 |
| Pretax return on assets | 0.6093% | 4,567 |
| Return on Equity (ROE) | 8.2662% | 2,807 |
| Retained earnings to average equity (ytd only) | 5.9953% | 2,355 |
| Net charge-offs to loans | 0.0464% | 6,065 |
| Credit loss provision to net charge-offs | 290.3226% | 1,105 |
| Earnings coverage of net charge-offs (x) | 20.5173% | 1,160 |
| Efficiency ratio | 87.1619% | 1,516 |
| Assets per employee ($millions) | 2.9240% | 6,317 |
| Cash dividends to net income (ytd only)* | 27.4733% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 4,869 |
| Loan loss allowance to noncurrent loans | 41.5986% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 4.4093% | 1,540 |
| Noncurrent loans to loans | 3.1627% | 2,514 |
| Net loans and leases to total assets | 71.5210% | 2,353 |
| Net loans and leases to deposits | 77.5126% | 3,919 |
| Net loans and leases to core deposits | 80.7463% | 4,414 |
| Total domestic deposits to total assets | 92.2702% | 152 |
| Equity capital to assets | 7.4155% | 7,175 |
| Core capital (leverage) ratio | 7.3642% | 6,969 |
| Tier 1 risk-based capital ratio | 10.1340% | 6,991 |
| Total risk-based capital ratio | 11.3849% | 6,977 |
| Memoranda: | ||
| Average total assets | $119,472,000 | 4,552 |
| Average earning assets | $106,873,000 | 4,596 |
| Average equity | $8,806,750 | 5,552 |
| Average total loans | $89,067,750 | 4,142 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3019% | 512 |
| Cost of funding earning assets | 1.1816% | 5,230 |
| Net interest margin | 5.1203% | 326 |
| Noninterest income to average assets | 0.9987% | 1,383 |
| Noninterest expense to average assets | 4.7685% | 451 |
| Loan and lease loss provision to assets | 0.1098% | 5,808 |
| Net operating income to assets | 0.7114% | 3,355 |
| Return on assets (ROA) | 0.7114% | 3,511 |
| Pretax return on assets | 0.7114% | 4,196 |
| Return on Equity (ROE) | 9.6707% | 2,224 |
| Retained earnings to average equity (ytd only) | 6.2251% | 2,216 |
| Net charge-offs to loans | 0.0606% | 5,542 |
| Credit loss provision to net charge-offs | 240.7407% | 1,596 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,308 |
| Efficiency ratio | 85.3083% | 1,788 |
| Assets per employee ($millions) | 2.8583% | 6,436 |
| Cash dividends to net income (ytd only)* | 35.6295% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 4,996 |
| Loan loss allowance to noncurrent loans | 50.1089% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 3.9742% | 1,746 |
| Noncurrent loans to loans | 2.5696% | 3,075 |
| Net loans and leases to total assets | 73.4386% | 2,050 |
| Net loans and leases to deposits | 79.6069% | 3,668 |
| Net loans and leases to core deposits | 83.0833% | 4,273 |
| Total domestic deposits to total assets | 92.2516% | 181 |
| Equity capital to assets | 7.4827% | 7,126 |
| Core capital (leverage) ratio | 7.3506% | 6,956 |
| Tier 1 risk-based capital ratio | 9.8859% | 7,084 |
| Total risk-based capital ratio | 11.1362% | 7,065 |
| Memoranda: | ||
| Average total assets | $118,359,330 | 4,611 |
| Average earning assets | $106,126,670 | 4,639 |
| Average equity | $8,706,670 | 5,583 |
| Average total loans | $89,088,330 | 4,173 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1870% | 658 |
| Cost of funding earning assets | 1.1643% | 5,579 |
| Net interest margin | 5.0227% | 402 |
| Noninterest income to average assets | 1.0178% | 1,241 |
| Noninterest expense to average assets | 4.7620% | 456 |
| Loan and lease loss provision to assets | 0.1191% | 5,400 |
| Net operating income to assets | 0.6740% | 3,554 |
| Return on assets (ROA) | 0.6740% | 3,670 |
| Pretax return on assets | 0.6740% | 4,322 |
| Return on Equity (ROE) | 9.2432% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.2432% | 1,338 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7230% | 1,819 |
| Assets per employee ($millions) | 2.7824% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 5,157 |
| Loan loss allowance to noncurrent loans | 29.8077% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 3.8155% | 1,819 |
| Noncurrent loans to loans | 4.2241% | 1,820 |
| Net loans and leases to total assets | 75.1818% | 1,698 |
| Net loans and leases to deposits | 81.4018% | 3,384 |
| Net loans and leases to core deposits | 84.8127% | 4,085 |
| Total domestic deposits to total assets | 92.3589% | 180 |
| Equity capital to assets | 7.4572% | 7,104 |
| Core capital (leverage) ratio | 7.5488% | 6,800 |
| Tier 1 risk-based capital ratio | 9.9490% | 7,063 |
| Total risk-based capital ratio | 11.1998% | 7,050 |
| Memoranda: | ||
| Average total assets | $117,514,000 | 4,681 |
| Average earning assets | $106,158,500 | 4,697 |
| Average equity | $8,568,500 | 5,670 |
| Average total loans | $88,976,000 | 4,228 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4314% | 772 |
| Cost of funding earning assets | 1.2906% | 6,339 |
| Net interest margin | 5.1408% | 334 |
| Noninterest income to average assets | 1.0483% | 1,413 |
| Noninterest expense to average assets | 4.8124% | 601 |
| Loan and lease loss provision to assets | 0.7160% | 2,965 |
| Net operating income to assets | 0.1377% | 5,088 |
| Return on assets (ROA) | 0.2470% | 4,810 |
| Pretax return on assets | 0.2470% | 4,896 |
| Return on Equity (ROE) | 3.4256% | 4,319 |
| Retained earnings to average equity (ytd only) | -3.7706% | 5,836 |
| Net charge-offs to loans | 0.7096% | 3,058 |
| Credit loss provision to net charge-offs | 135.6902% | 3,646 |
| Earnings coverage of net charge-offs (x) | 1.6178% | 4,526 |
| Efficiency ratio | 84.9169% | 2,244 |
| Assets per employee ($millions) | 2.8847% | 6,484 |
| Cash dividends to net income (ytd only)* | 210.0719% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 4,870 |
| Loan loss allowance to noncurrent loans | 37.1906% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 3.1798% | 2,173 |
| Noncurrent loans to loans | 3.4425% | 2,209 |
| Net loans and leases to total assets | 74.3106% | 2,193 |
| Net loans and leases to deposits | 80.2583% | 3,943 |
| Net loans and leases to core deposits | 93.9804% | 4,676 |
| Total domestic deposits to total assets | 92.5892% | 167 |
| Equity capital to assets | 7.1196% | 7,316 |
| Core capital (leverage) ratio | 7.0861% | 7,162 |
| Tier 1 risk-based capital ratio | 9.1985% | 7,374 |
| Total risk-based capital ratio | 10.4487% | 7,380 |
| Memoranda: | ||
| Average total assets | $112,563,200 | 4,767 |
| Average earning assets | $101,113,000 | 4,806 |
| Average equity | $8,115,400 | 5,882 |
| Average total loans | $83,713,200 | 4,393 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4775% | 792 |
| Cost of funding earning assets | 1.3178% | 6,500 |
| Net interest margin | 5.1597% | 321 |
| Noninterest income to average assets | 1.0537% | 1,434 |
| Noninterest expense to average assets | 4.9443% | 508 |
| Loan and lease loss provision to assets | 0.2813% | 4,728 |
| Net operating income to assets | 0.4577% | 4,170 |
| Return on assets (ROA) | 0.6043% | 3,641 |
| Pretax return on assets | 0.6043% | 4,171 |
| Return on Equity (ROE) | 8.3552% | 2,503 |
| Retained earnings to average equity (ytd only) | 1.0383% | 4,734 |
| Net charge-offs to loans | 0.2669% | 4,373 |
| Credit loss provision to net charge-offs | 142.1687% | 3,447 |
| Earnings coverage of net charge-offs (x) | 3.7349% | 3,401 |
| Efficiency ratio | 86.9757% | 1,964 |
| Assets per employee ($millions) | 2.7690% | 6,703 |
| Cash dividends to net income (ytd only)* | 87.5751% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 5,523 |
| Loan loss allowance to noncurrent loans | 188.7160% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 4,921 |
| Noncurrent loans to loans | 0.6000% | 6,107 |
| Net loans and leases to total assets | 76.4664% | 1,899 |
| Net loans and leases to deposits | 83.2612% | 3,784 |
| Net loans and leases to core deposits | 98.5708% | 4,542 |
| Total domestic deposits to total assets | 91.8392% | 200 |
| Equity capital to assets | 7.7527% | 7,092 |
| Core capital (leverage) ratio | 7.4389% | 7,044 |
| Tier 1 risk-based capital ratio | 9.7088% | 7,232 |
| Total risk-based capital ratio | 10.8337% | 7,275 |
| Memoranda: | ||
| Average total assets | $111,857,500 | 4,810 |
| Average earning assets | $100,365,500 | 4,852 |
| Average equity | $8,090,500 | 5,952 |
| Average total loans | $82,927,500 | 4,455 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3280% | 1,141 |
| Cost of funding earning assets | 1.3556% | 6,628 |
| Net interest margin | 4.9724% | 460 |
| Noninterest income to average assets | 1.0711% | 1,383 |
| Noninterest expense to average assets | 4.9241% | 543 |
| Loan and lease loss provision to assets | 0.2495% | 4,578 |
| Net operating income to assets | 0.3493% | 4,683 |
| Return on assets (ROA) | 0.5667% | 3,934 |
| Pretax return on assets | 0.5667% | 4,419 |
| Return on Equity (ROE) | 8.0252% | 2,760 |
| Retained earnings to average equity (ytd only) | 1.8675% | 4,305 |
| Net charge-offs to loans | 0.3829% | 3,287 |
| Credit loss provision to net charge-offs | 89.1720% | 4,951 |
| Earnings coverage of net charge-offs (x) | 2.1401% | 4,003 |
| Efficiency ratio | 89.1255% | 1,893 |
| Assets per employee ($millions) | 2.6866% | 6,862 |
| Cash dividends to net income (ytd only)* | 76.7296% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 6,135 |
| Loan loss allowance to noncurrent loans | 121.7931% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.2154% | 4,504 |
| Noncurrent loans to loans | 0.8315% | 5,562 |
| Net loans and leases to total assets | 74.7122% | 2,515 |
| Net loans and leases to deposits | 81.1053% | 4,374 |
| Net loans and leases to core deposits | 96.3754% | 4,861 |
| Total domestic deposits to total assets | 92.1175% | 193 |
| Equity capital to assets | 7.4367% | 7,320 |
| Core capital (leverage) ratio | 7.3665% | 7,168 |
| Tier 1 risk-based capital ratio | 9.6570% | 7,263 |
| Total risk-based capital ratio | 10.6767% | 7,416 |
| Memoranda: | ||
| Average total assets | $112,223,000 | 4,819 |
| Average earning assets | $100,474,330 | 4,881 |
| Average equity | $7,925,000 | 6,048 |
| Average total loans | $82,015,000 | 4,525 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3656% | 1,140 |
| Cost of funding earning assets | 1.3577% | 6,850 |
| Net interest margin | 5.0080% | 394 |
| Noninterest income to average assets | 1.0853% | 1,268 |
| Noninterest expense to average assets | 4.9922% | 494 |
| Loan and lease loss provision to assets | 0.2713% | 3,788 |
| Net operating income to assets | 0.2785% | 5,373 |
| Return on assets (ROA) | 0.2858% | 5,519 |
| Pretax return on assets | 0.2858% | 5,711 |
| Return on Equity (ROE) | 4.1623% | 4,863 |
| Retained earnings to average equity (ytd only) | -4.7418% | 6,521 |
| Net charge-offs to loans | 0.0353% | 5,018 |
| Credit loss provision to net charge-offs | 1,071.4286% | 580 |
| Earnings coverage of net charge-offs (x) | 21.7143% | 1,330 |
| Efficiency ratio | 90.0131% | 1,717 |
| Assets per employee ($millions) | 2.6218% | 7,044 |
| Cash dividends to net income (ytd only)* | 213.9241% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 4,971 |
| Loan loss allowance to noncurrent loans | 121.4555% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.6019% | 3,514 |
| Noncurrent loans to loans | 0.9651% | 5,062 |
| Net loans and leases to total assets | 70.7457% | 3,529 |
| Net loans and leases to deposits | 79.8577% | 4,636 |
| Net loans and leases to core deposits | 96.6990% | 4,877 |
| Total domestic deposits to total assets | 88.5897% | 1,433 |
| Equity capital to assets | 6.5369% | 7,857 |
| Core capital (leverage) ratio | 6.7898% | 7,770 |
| Tier 1 risk-based capital ratio | 8.7029% | 7,905 |
| Total risk-based capital ratio | 9.8655% | 7,971 |
| Memoranda: | ||
| Average total assets | $110,573,500 | 4,888 |
| Average earning assets | $98,403,500 | 4,959 |
| Average equity | $7,592,000 | 6,191 |
| Average total loans | $79,426,500 | 4,632 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0651% | 981 |
| Cost of funding earning assets | 1.6085% | 7,429 |
| Net interest margin | 5.4566% | 220 |
| Noninterest income to average assets | 1.1529% | 1,161 |
| Noninterest expense to average assets | 5.1637% | 587 |
| Loan and lease loss provision to assets | 0.2146% | 4,747 |
| Net operating income to assets | 0.6399% | 4,143 |
| Return on assets (ROA) | -0.2699% | 6,548 |
| Pretax return on assets | -0.2699% | 6,434 |
| Return on Equity (ROE) | -3.6727% | 6,704 |
| Retained earnings to average equity (ytd only) | -9.4479% | 7,022 |
| Net charge-offs to loans | 0.1507% | 4,699 |
| Credit loss provision to net charge-offs | 208.3333% | 2,324 |
| Earnings coverage of net charge-offs (x) | 8.2963% | 2,904 |
| Efficiency ratio | 85.7233% | 1,884 |
| Assets per employee ($millions) | 2.3508% | 7,485 |
| Cash dividends to net income (ytd only)* | -157.2438% | 8,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 4,706 |
| Loan loss allowance to noncurrent loans | 261.6279% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 1.5872% | 3,066 |
| Noncurrent loans to loans | 0.4510% | 5,997 |
| Net loans and leases to total assets | 71.2495% | 3,736 |
| Net loans and leases to deposits | 77.1195% | 5,453 |
| Net loans and leases to core deposits | 94.3884% | 5,417 |
| Total domestic deposits to total assets | 92.3884% | 93 |
| Equity capital to assets | 7.2250% | 7,604 |
| Core capital (leverage) ratio | 6.9607% | 7,721 |
| Tier 1 risk-based capital ratio | 8.9287% | 7,827 |
| Total risk-based capital ratio | 10.0265% | 7,989 |
| Memoranda: | ||
| Average total assets | $104,866,000 | 4,904 |
| Average earning assets | $93,502,000 | 4,983 |
| Average equity | $7,705,400 | 6,209 |
| Average total loans | $71,651,800 | 4,806 |