Home > Independence Bank of Georgia > Performance and Condition Ratios
Independence Bank of Georgia, Performance and Condition Ratios
| 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 | 4.4566% | 1,672 |
| Cost of funding earning assets | 0.4679% | 2,388 |
| Net interest margin | 3.9887% | 1,694 |
| Noninterest income to average assets | 0.1165% | 5,655 |
| Noninterest expense to average assets | 2.5913% | 3,695 |
| Loan and lease loss provision to assets | 0.0772% | 2,682 |
| Net operating income to assets | 0.8523% | 3,137 |
| Return on assets (ROA) | 0.8590% | 3,233 |
| Pretax return on assets | 1.2899% | 2,472 |
| Return on Equity (ROE) | 6.7481% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.7481% | 1,756 |
| Net charge-offs to loans | 0.0056% | 3,710 |
| Credit loss provision to net charge-offs | 1,800.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 316.4925% | 263 |
| Efficiency ratio | 65.6290% | 3,656 |
| Assets per employee ($millions) | 7.0255% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 78.7520% | 1,074 |
| Net loans and leases to deposits | 95.4292% | 1,107 |
| Net loans and leases to core deposits | 100.0295% | 1,630 |
| Total domestic deposits to total assets | 82.5239% | 3,770 |
| Equity capital to assets | 12.8801% | 1,557 |
| Core capital (leverage) ratio | 12.7958% | 1,271 |
| Tier 1 risk-based capital ratio | 15.4992% | 2,832 |
| Total risk-based capital ratio | 16.5921% | 2,827 |
| Memoranda: | ||
| Average total assets | $186,569,000 | 3,105 |
| Average earning assets | $179,236,000 | 3,032 |
| Average equity | $23,749,250 | 2,839 |
| Average total loans | $142,352,500 | 2,749 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 1,828 |
| Cost of funding earning assets | 0.4738% | 2,326 |
| Net interest margin | 3.9257% | 1,894 |
| Noninterest income to average assets | 0.1143% | 5,726 |
| Noninterest expense to average assets | 2.4934% | 4,047 |
| Loan and lease loss provision to assets | 0.0647% | 2,846 |
| Net operating income to assets | 0.9016% | 2,856 |
| Return on assets (ROA) | 0.9120% | 2,937 |
| Pretax return on assets | 1.3313% | 2,283 |
| Return on Equity (ROE) | 7.1934% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.1934% | 1,510 |
| Net charge-offs to loans | 0.0100% | 3,358 |
| Credit loss provision to net charge-offs | 857.1429% | 419 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 357 |
| Efficiency ratio | 64.3573% | 3,953 |
| Assets per employee ($millions) | 6.3001% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 77.4427% | 1,264 |
| Net loans and leases to deposits | 96.7793% | 989 |
| Net loans and leases to core deposits | 101.8347% | 1,481 |
| Total domestic deposits to total assets | 80.0199% | 4,536 |
| Equity capital to assets | 12.7384% | 1,642 |
| Core capital (leverage) ratio | 13.0392% | 1,133 |
| Tier 1 risk-based capital ratio | 15.2713% | 2,949 |
| Total risk-based capital ratio | 16.3334% | 2,976 |
| Memoranda: | ||
| Average total assets | $185,529,330 | 3,129 |
| Average earning assets | $177,701,670 | 3,064 |
| Average equity | $23,521,670 | 2,869 |
| Average total loans | $139,440,330 | 2,798 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 1,771 |
| Cost of funding earning assets | 0.4785% | 2,290 |
| Net interest margin | 3.9331% | 1,835 |
| Noninterest income to average assets | 0.1110% | 5,785 |
| Noninterest expense to average assets | 2.5311% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9097% | 2,703 |
| Return on assets (ROA) | 0.9097% | 2,822 |
| Pretax return on assets | 1.3363% | 2,155 |
| Return on Equity (ROE) | 7.1931% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.1931% | 1,794 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4474% | 3,890 |
| Assets per employee ($millions) | 6.1371% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.2528% | 1,840 |
| Net loans and leases to deposits | 89.1736% | 1,680 |
| Net loans and leases to core deposits | 93.6668% | 2,027 |
| Total domestic deposits to total assets | 82.1463% | 4,175 |
| Equity capital to assets | 12.7932% | 1,514 |
| Core capital (leverage) ratio | 12.7496% | 1,254 |
| Tier 1 risk-based capital ratio | 16.7148% | 2,392 |
| Total risk-based capital ratio | 17.8620% | 2,383 |
| Memoranda: | ||
| Average total assets | $183,792,500 | 3,164 |
| Average earning assets | $175,534,500 | 3,097 |
| Average equity | $23,244,500 | 2,901 |
| Average total loans | $135,147,000 | 2,860 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 2,371 |
| Cost of funding earning assets | 0.4959% | 2,189 |
| Net interest margin | 3.7591% | 2,526 |
| Noninterest income to average assets | 0.1194% | 5,807 |
| Noninterest expense to average assets | 2.3793% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9056% | 2,840 |
| Return on assets (ROA) | 0.9056% | 2,923 |
| Pretax return on assets | 1.3269% | 2,171 |
| Return on Equity (ROE) | 7.2827% | 3,371 |
| Retained earnings to average equity (ytd only) | 5.4160% | 2,130 |
| Net charge-offs to loans | 0.0056% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 339.7143% | 204 |
| Efficiency ratio | 64.1975% | 4,219 |
| Assets per employee ($millions) | 6.1157% | 1,312 |
| Cash dividends to net income (ytd only)* | 25.6315% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 3,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 72.0633% | 2,038 |
| Net loans and leases to deposits | 87.4277% | 1,943 |
| Net loans and leases to core deposits | 91.8454% | 2,237 |
| Total domestic deposits to total assets | 82.4262% | 4,043 |
| Equity capital to assets | 12.5005% | 1,624 |
| Core capital (leverage) ratio | 12.5272% | 1,337 |
| Tier 1 risk-based capital ratio | 16.9124% | 2,319 |
| Total risk-based capital ratio | 18.0944% | 2,291 |
| Memoranda: | ||
| Average total assets | $179,210,000 | 3,181 |
| Average earning assets | $170,997,000 | 3,115 |
| Average equity | $22,285,800 | 2,939 |
| Average total loans | $124,809,200 | 2,975 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 2,449 |
| Cost of funding earning assets | 0.4991% | 2,220 |
| Net interest margin | 3.7395% | 2,614 |
| Noninterest income to average assets | 0.1190% | 5,881 |
| Noninterest expense to average assets | 2.3778% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8764% | 3,054 |
| Return on assets (ROA) | 0.8764% | 3,142 |
| Pretax return on assets | 1.3075% | 2,366 |
| Return on Equity (ROE) | 7.0572% | 3,589 |
| Retained earnings to average equity (ytd only) | 4.5501% | 3,233 |
| Net charge-offs to loans | 0.0054% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 349.2174% | 213 |
| Efficiency ratio | 64.5207% | 4,153 |
| Assets per employee ($millions) | 6.3908% | 1,125 |
| Cash dividends to net income (ytd only)* | 35.5251% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 3,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.3568% | 2,959 |
| Net loans and leases to deposits | 80.2041% | 2,858 |
| Net loans and leases to core deposits | 84.0447% | 3,035 |
| Total domestic deposits to total assets | 82.7349% | 3,905 |
| Equity capital to assets | 12.1819% | 1,974 |
| Core capital (leverage) ratio | 12.2109% | 1,559 |
| Tier 1 risk-based capital ratio | 17.8487% | 2,075 |
| Total risk-based capital ratio | 19.0989% | 2,043 |
| Memoranda: | ||
| Average total assets | $178,144,500 | 3,220 |
| Average earning assets | $169,895,500 | 3,151 |
| Average equity | $22,123,500 | 2,974 |
| Average total loans | $122,556,250 | 3,033 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 2,410 |
| Cost of funding earning assets | 0.5064% | 2,196 |
| Net interest margin | 3.7287% | 2,588 |
| Noninterest income to average assets | 0.1184% | 5,953 |
| Noninterest expense to average assets | 2.3966% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8569% | 3,098 |
| Return on assets (ROA) | 0.8569% | 3,203 |
| Pretax return on assets | 1.2745% | 2,457 |
| Return on Equity (ROE) | 6.8541% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.0675% | 4,089 |
| Net charge-offs to loans | 0.0082% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 311 |
| Efficiency ratio | 65.2821% | 4,136 |
| Assets per employee ($millions) | 6.8568% | 883 |
| Cash dividends to net income (ytd only)* | 55.2457% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 3,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 68.6060% | 2,555 |
| Net loans and leases to deposits | 82.5907% | 2,484 |
| Net loans and leases to core deposits | 86.5247% | 2,709 |
| Total domestic deposits to total assets | 83.0674% | 3,924 |
| Equity capital to assets | 11.8606% | 2,132 |
| Core capital (leverage) ratio | 12.1476% | 1,563 |
| Tier 1 risk-based capital ratio | 16.5768% | 2,583 |
| Total risk-based capital ratio | 17.7818% | 2,549 |
| Memoranda: | ||
| Average total assets | $175,748,330 | 3,274 |
| Average earning assets | $167,456,000 | 3,207 |
| Average equity | $21,972,330 | 2,999 |
| Average total loans | $121,879,330 | 3,056 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 2,178 |
| Cost of funding earning assets | 0.5157% | 2,148 |
| Net interest margin | 3.7599% | 2,393 |
| Noninterest income to average assets | 0.1263% | 5,971 |
| Noninterest expense to average assets | 2.4483% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8535% | 2,991 |
| Return on assets (ROA) | 0.8535% | 3,110 |
| Pretax return on assets | 1.2581% | 2,433 |
| Return on Equity (ROE) | 6.6426% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.6426% | 2,169 |
| Net charge-offs to loans | 0.0169% | 2,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 107.6000% | 465 |
| Efficiency ratio | 66.0568% | 4,149 |
| Assets per employee ($millions) | 6.2101% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 3,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 67.5184% | 2,528 |
| Net loans and leases to deposits | 82.5863% | 2,265 |
| Net loans and leases to core deposits | 86.5217% | 2,493 |
| Total domestic deposits to total assets | 81.7550% | 4,585 |
| Equity capital to assets | 12.8190% | 1,502 |
| Core capital (leverage) ratio | 12.8419% | 1,218 |
| Tier 1 risk-based capital ratio | 16.1585% | 2,842 |
| Total risk-based capital ratio | 17.3316% | 2,819 |
| Memoranda: | ||
| Average total assets | $171,055,500 | 3,341 |
| Average earning assets | $162,875,000 | 3,281 |
| Average equity | $21,979,500 | 3,025 |
| Average total loans | $118,509,500 | 3,112 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 1,846 |
| Cost of funding earning assets | 0.5637% | 2,107 |
| Net interest margin | 3.9405% | 2,085 |
| Noninterest income to average assets | 0.1232% | 6,075 |
| Noninterest expense to average assets | 2.4129% | 4,810 |
| Loan and lease loss provision to assets | 0.0607% | 3,311 |
| Net operating income to assets | 0.9003% | 2,866 |
| Return on assets (ROA) | 0.9117% | 2,913 |
| Pretax return on assets | 1.4016% | 1,881 |
| Return on Equity (ROE) | 7.2870% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.2870% | 1,279 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5492% | 4,821 |
| Assets per employee ($millions) | 6.0081% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 3,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 69.1912% | 2,364 |
| Net loans and leases to deposits | 84.8798% | 2,115 |
| Net loans and leases to core deposits | 89.2815% | 2,352 |
| Total domestic deposits to total assets | 81.5168% | 4,591 |
| Equity capital to assets | 12.8807% | 1,424 |
| Core capital (leverage) ratio | 13.1677% | 1,076 |
| Tier 1 risk-based capital ratio | 17.7943% | 2,203 |
| Total risk-based capital ratio | 19.0449% | 2,167 |
| Memoranda: | ||
| Average total assets | $164,741,200 | 3,413 |
| Average earning assets | $156,122,800 | 3,338 |
| Average equity | $20,612,000 | 3,089 |
| Average total loans | $114,718,200 | 3,129 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 1,857 |
| Cost of funding earning assets | 0.5741% | 2,069 |
| Net interest margin | 3.9305% | 2,114 |
| Noninterest income to average assets | 0.1212% | 6,158 |
| Noninterest expense to average assets | 2.4385% | 4,706 |
| Loan and lease loss provision to assets | 0.0862% | 2,627 |
| Net operating income to assets | 0.8519% | 3,169 |
| Return on assets (ROA) | 0.8519% | 3,262 |
| Pretax return on assets | 1.3173% | 2,314 |
| Return on Equity (ROE) | 6.8606% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.8606% | 1,900 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4689% | 4,635 |
| Assets per employee ($millions) | 5.8466% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 3,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 70.5605% | 2,100 |
| Net loans and leases to deposits | 84.8248% | 2,056 |
| Net loans and leases to core deposits | 89.7724% | 2,247 |
| Total domestic deposits to total assets | 83.1838% | 4,070 |
| Equity capital to assets | 12.8927% | 1,480 |
| Core capital (leverage) ratio | 12.7874% | 1,269 |
| Tier 1 risk-based capital ratio | 17.7746% | 2,287 |
| Total risk-based capital ratio | 19.0260% | 2,251 |
| Memoranda: | ||
| Average total assets | $163,869,500 | 3,458 |
| Average earning assets | $155,125,750 | 3,380 |
| Average equity | $20,347,750 | 3,133 |
| Average total loans | $113,895,250 | 3,170 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 1,906 |
| Cost of funding earning assets | 0.5761% | 2,106 |
| Net interest margin | 3.8999% | 2,169 |
| Noninterest income to average assets | 0.1135% | 6,227 |
| Noninterest expense to average assets | 2.3938% | 4,897 |
| Loan and lease loss provision to assets | 0.1293% | 1,906 |
| Net operating income to assets | 0.8284% | 3,182 |
| Return on assets (ROA) | 0.8284% | 3,280 |
| Pretax return on assets | 1.2738% | 2,356 |
| Return on Equity (ROE) | 6.7579% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.7579% | 1,899 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0463% | 4,851 |
| Assets per employee ($millions) | 6.0108% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 3,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.2745% | 2,713 |
| Net loans and leases to deposits | 78.9080% | 2,673 |
| Net loans and leases to core deposits | 84.9223% | 2,626 |
| Total domestic deposits to total assets | 83.9896% | 3,918 |
| Equity capital to assets | 12.2785% | 1,791 |
| Core capital (leverage) ratio | 12.6324% | 1,319 |
| Tier 1 risk-based capital ratio | 16.9820% | 2,627 |
| Total risk-based capital ratio | 18.2330% | 2,583 |
| Memoranda: | ||
| Average total assets | $163,924,330 | 3,479 |
| Average earning assets | $154,824,000 | 3,397 |
| Average equity | $20,095,000 | 3,159 |
| Average total loans | $112,817,670 | 3,191 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5254% | 1,716 |
| Cost of funding earning assets | 0.5843% | 2,125 |
| Net interest margin | 3.9410% | 1,951 |
| Noninterest income to average assets | 0.1039% | 6,317 |
| Noninterest expense to average assets | 2.3470% | 5,078 |
| Loan and lease loss provision to assets | 0.1756% | 1,375 |
| Net operating income to assets | 0.8434% | 2,935 |
| Return on assets (ROA) | 0.8434% | 3,011 |
| Pretax return on assets | 1.3009% | 2,087 |
| Return on Equity (ROE) | 6.8854% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.8854% | 2,095 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3842% | 5,218 |
| Assets per employee ($millions) | 5.8190% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 3,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 67.3991% | 2,319 |
| Net loans and leases to deposits | 80.5171% | 2,224 |
| Net loans and leases to core deposits | 86.9373% | 2,206 |
| Total domestic deposits to total assets | 83.7078% | 4,383 |
| Equity capital to assets | 12.3334% | 1,667 |
| Core capital (leverage) ratio | 12.7843% | 1,252 |
| Tier 1 risk-based capital ratio | 17.4789% | 2,480 |
| Total risk-based capital ratio | 18.7299% | 2,454 |
| Memoranda: | ||
| Average total assets | $161,735,000 | 3,537 |
| Average earning assets | $152,650,500 | 3,465 |
| Average equity | $19,810,000 | 3,187 |
| Average total loans | $112,646,500 | 3,211 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 1,720 |
| Cost of funding earning assets | 0.5967% | 2,689 |
| Net interest margin | 4.0520% | 1,799 |
| Noninterest income to average assets | 0.1002% | 6,386 |
| Noninterest expense to average assets | 2.4706% | 4,857 |
| Loan and lease loss provision to assets | 0.1645% | 2,218 |
| Net operating income to assets | 0.8143% | 3,218 |
| Return on assets (ROA) | 0.8143% | 3,316 |
| Pretax return on assets | 1.2664% | 2,287 |
| Return on Equity (ROE) | 6.2592% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.2592% | 1,815 |
| Net charge-offs to loans | 0.0172% | 5,106 |
| Credit loss provision to net charge-offs | 1,350.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 117.4444% | 403 |
| Efficiency ratio | 63.3241% | 5,004 |
| Assets per employee ($millions) | 6.1746% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 4,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 70.0048% | 2,009 |
| Net loans and leases to deposits | 83.4218% | 2,006 |
| Net loans and leases to core deposits | 90.1489% | 2,003 |
| Total domestic deposits to total assets | 83.9167% | 4,197 |
| Equity capital to assets | 12.1622% | 1,706 |
| Core capital (leverage) ratio | 12.6380% | 1,291 |
| Tier 1 risk-based capital ratio | 17.0798% | 2,572 |
| Total risk-based capital ratio | 18.3299% | 2,547 |
| Memoranda: | ||
| Average total assets | $147,737,800 | 3,743 |
| Average earning assets | $138,596,600 | 3,688 |
| Average equity | $19,219,800 | 3,256 |
| Average total loans | $104,901,600 | 3,346 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 1,683 |
| Cost of funding earning assets | 0.5769% | 3,025 |
| Net interest margin | 4.0923% | 1,659 |
| Noninterest income to average assets | 0.1005% | 6,480 |
| Noninterest expense to average assets | 2.4925% | 4,747 |
| Loan and lease loss provision to assets | 0.1550% | 2,328 |
| Net operating income to assets | 0.8256% | 3,224 |
| Return on assets (ROA) | 0.8256% | 3,344 |
| Pretax return on assets | 1.2813% | 2,407 |
| Return on Equity (ROE) | 6.2334% | 4,055 |
| Retained earnings to average equity (ytd only) | 6.2334% | 2,270 |
| Net charge-offs to loans | 0.0234% | 4,665 |
| Credit loss provision to net charge-offs | 933.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 86.4979% | 553 |
| Efficiency ratio | 63.4421% | 4,894 |
| Assets per employee ($millions) | 6.3125% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 68.8277% | 2,172 |
| Net loans and leases to deposits | 82.0807% | 2,128 |
| Net loans and leases to core deposits | 88.8783% | 2,087 |
| Total domestic deposits to total assets | 83.8537% | 4,252 |
| Equity capital to assets | 12.2113% | 1,773 |
| Core capital (leverage) ratio | 13.0477% | 1,186 |
| Tier 1 risk-based capital ratio | 17.1491% | 2,646 |
| Total risk-based capital ratio | 18.3918% | 2,612 |
| Memoranda: | ||
| Average total assets | $144,537,500 | 3,835 |
| Average earning assets | $135,211,000 | 3,775 |
| Average equity | $19,143,500 | 3,298 |
| Average total loans | $102,653,000 | 3,412 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 1,627 |
| Cost of funding earning assets | 0.5476% | 3,445 |
| Net interest margin | 4.1315% | 1,459 |
| Noninterest income to average assets | 0.1028% | 6,522 |
| Noninterest expense to average assets | 2.5009% | 4,724 |
| Loan and lease loss provision to assets | 0.1370% | 2,613 |
| Net operating income to assets | 0.8308% | 3,145 |
| Return on assets (ROA) | 0.8308% | 3,302 |
| Pretax return on assets | 1.3204% | 2,233 |
| Return on Equity (ROE) | 6.0939% | 4,115 |
| Retained earnings to average equity (ytd only) | 6.0939% | 2,375 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1807% | 4,989 |
| Assets per employee ($millions) | 6.2523% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 4,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 72.5098% | 1,481 |
| Net loans and leases to deposits | 87.8761% | 1,351 |
| Net loans and leases to core deposits | 94.6826% | 1,463 |
| Total domestic deposits to total assets | 82.5137% | 4,879 |
| Equity capital to assets | 13.2249% | 1,247 |
| Core capital (leverage) ratio | 13.6951% | 914 |
| Tier 1 risk-based capital ratio | 17.7545% | 2,410 |
| Total risk-based capital ratio | 19.0045% | 2,378 |
| Memoranda: | ||
| Average total assets | $140,112,330 | 3,948 |
| Average earning assets | $130,753,000 | 3,891 |
| Average equity | $19,101,000 | 3,318 |
| Average total loans | $100,185,670 | 3,487 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 1,736 |
| Cost of funding earning assets | 0.5511% | 3,561 |
| Net interest margin | 4.0816% | 1,515 |
| Noninterest income to average assets | 0.0926% | 6,602 |
| Noninterest expense to average assets | 2.5256% | 4,672 |
| Loan and lease loss provision to assets | 0.1302% | 2,619 |
| Net operating income to assets | 0.7840% | 3,255 |
| Return on assets (ROA) | 0.7840% | 3,386 |
| Pretax return on assets | 1.2295% | 2,473 |
| Return on Equity (ROE) | 5.6628% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.6628% | 2,857 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0037% | 4,824 |
| Assets per employee ($millions) | 5.8488% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 4,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 70.6359% | 1,562 |
| Net loans and leases to deposits | 84.1321% | 1,579 |
| Net loans and leases to core deposits | 91.4367% | 1,565 |
| Total domestic deposits to total assets | 83.9583% | 4,494 |
| Equity capital to assets | 13.7292% | 1,125 |
| Core capital (leverage) ratio | 13.6851% | 878 |
| Tier 1 risk-based capital ratio | 18.3511% | 2,245 |
| Total risk-based capital ratio | 19.6011% | 2,208 |
| Memoranda: | ||
| Average total assets | $138,266,500 | 4,014 |
| Average earning assets | $128,478,500 | 3,972 |
| Average equity | $19,142,500 | 3,356 |
| Average total loans | $97,451,500 | 3,573 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6982% | 2,601 |
| Cost of funding earning assets | 0.7271% | 3,277 |
| Net interest margin | 3.9711% | 2,518 |
| Noninterest income to average assets | 0.0811% | 6,580 |
| Noninterest expense to average assets | 2.6358% | 4,619 |
| Loan and lease loss provision to assets | 0.0630% | 4,974 |
| Net operating income to assets | 0.6703% | 3,880 |
| Return on assets (ROA) | 0.6768% | 4,118 |
| Pretax return on assets | 1.0719% | 3,269 |
| Return on Equity (ROE) | 4.6717% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.6717% | 2,927 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0921% | 3,801 |
| Assets per employee ($millions) | 5.9200% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 4,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 68.3992% | 2,122 |
| Net loans and leases to deposits | 81.7358% | 2,033 |
| Net loans and leases to core deposits | 89.0816% | 1,955 |
| Total domestic deposits to total assets | 83.6833% | 4,455 |
| Equity capital to assets | 13.9636% | 1,063 |
| Core capital (leverage) ratio | 14.5443% | 663 |
| Tier 1 risk-based capital ratio | 19.0347% | 1,946 |
| Total risk-based capital ratio | 20.2848% | 1,918 |
| Memoranda: | ||
| Average total assets | $127,060,600 | 4,210 |
| Average earning assets | $117,726,000 | 4,170 |
| Average equity | $18,408,800 | 3,422 |
| Average total loans | $85,737,800 | 3,856 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 2,728 |
| Cost of funding earning assets | 0.7708% | 3,177 |
| Net interest margin | 3.9471% | 2,716 |
| Noninterest income to average assets | 0.0844% | 6,672 |
| Noninterest expense to average assets | 2.7332% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6254% | 4,263 |
| Return on assets (ROA) | 0.6336% | 4,475 |
| Pretax return on assets | 1.0300% | 3,601 |
| Return on Equity (ROE) | 4.3305% | 5,137 |
| Retained earnings to average equity (ytd only) | 4.3305% | 3,843 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8775% | 3,171 |
| Assets per employee ($millions) | 5.7768% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 4,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 66.4393% | 2,571 |
| Net loans and leases to deposits | 80.3672% | 2,336 |
| Net loans and leases to core deposits | 87.4804% | 2,282 |
| Total domestic deposits to total assets | 82.6696% | 4,768 |
| Equity capital to assets | 14.7464% | 885 |
| Core capital (leverage) ratio | 14.8089% | 644 |
| Tier 1 risk-based capital ratio | 20.6346% | 1,610 |
| Total risk-based capital ratio | 21.8862% | 1,580 |
| Memoranda: | ||
| Average total assets | $124,785,500 | 4,296 |
| Average earning assets | $115,896,500 | 4,248 |
| Average equity | $18,257,750 | 3,471 |
| Average total loans | $83,567,500 | 3,971 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 2,840 |
| Cost of funding earning assets | 0.8153% | 3,074 |
| Net interest margin | 3.9047% | 2,885 |
| Noninterest income to average assets | 0.0839% | 6,742 |
| Noninterest expense to average assets | 2.7819% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5714% | 4,494 |
| Return on assets (ROA) | 0.5838% | 4,698 |
| Pretax return on assets | 0.9515% | 3,880 |
| Return on Equity (ROE) | 4.0007% | 5,264 |
| Retained earnings to average equity (ytd only) | 4.0007% | 3,946 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9023% | 2,913 |
| Assets per employee ($millions) | 5.7369% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 4,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 63.9810% | 3,037 |
| Net loans and leases to deposits | 74.9986% | 3,126 |
| Net loans and leases to core deposits | 82.1918% | 2,937 |
| Total domestic deposits to total assets | 85.3095% | 3,706 |
| Equity capital to assets | 14.5479% | 906 |
| Core capital (leverage) ratio | 14.6109% | 675 |
| Tier 1 risk-based capital ratio | 21.0735% | 1,467 |
| Total risk-based capital ratio | 22.3257% | 1,439 |
| Memoranda: | ||
| Average total assets | $124,017,670 | 4,329 |
| Average earning assets | $115,298,330 | 4,286 |
| Average equity | $18,096,670 | 3,482 |
| Average total loans | $82,875,670 | 4,015 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 2,753 |
| Cost of funding earning assets | 0.8584% | 3,005 |
| Net interest margin | 3.9130% | 2,870 |
| Noninterest income to average assets | 0.0846% | 6,803 |
| Noninterest expense to average assets | 2.8864% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5207% | 4,734 |
| Return on assets (ROA) | 0.5207% | 4,943 |
| Pretax return on assets | 0.8623% | 4,185 |
| Return on Equity (ROE) | 3.5626% | 5,479 |
| Retained earnings to average equity (ytd only) | 3.5626% | 4,444 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9965% | 2,649 |
| Assets per employee ($millions) | 6.1517% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 4,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 67.0587% | 2,278 |
| Net loans and leases to deposits | 78.7931% | 2,369 |
| Net loans and leases to core deposits | 85.0243% | 2,401 |
| Total domestic deposits to total assets | 85.1074% | 3,986 |
| Equity capital to assets | 14.7106% | 804 |
| Core capital (leverage) ratio | 14.6799% | 656 |
| Tier 1 risk-based capital ratio | 21.2125% | 1,448 |
| Total risk-based capital ratio | 22.4649% | 1,420 |
| Memoranda: | ||
| Average total assets | $122,921,000 | 4,380 |
| Average earning assets | $115,103,500 | 4,310 |
| Average equity | $17,964,500 | 3,505 |
| Average total loans | $83,335,000 | 4,030 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 3,066 |
| Cost of funding earning assets | 1.0505% | 3,014 |
| Net interest margin | 3.9109% | 3,288 |
| Noninterest income to average assets | 0.0885% | 6,687 |
| Noninterest expense to average assets | 3.0382% | 3,448 |
| Loan and lease loss provision to assets | 0.3234% | 3,100 |
| Net operating income to assets | 1.3624% | 1,106 |
| Return on assets (ROA) | 1.3624% | 1,195 |
| Pretax return on assets | 0.4869% | 5,029 |
| Return on Equity (ROE) | 9.1184% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.1184% | 771 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9437% | 2,462 |
| Assets per employee ($millions) | 6.1404% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 4,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 66.5698% | 2,669 |
| Net loans and leases to deposits | 77.9892% | 2,846 |
| Net loans and leases to core deposits | 84.7814% | 2,773 |
| Total domestic deposits to total assets | 85.3576% | 3,665 |
| Equity capital to assets | 14.5186% | 892 |
| Core capital (leverage) ratio | 14.7508% | 659 |
| Tier 1 risk-based capital ratio | 20.9035% | 1,433 |
| Total risk-based capital ratio | 22.1558% | 1,413 |
| Memoranda: | ||
| Average total assets | $110,689,200 | 4,626 |
| Average earning assets | $106,421,600 | 4,495 |
| Average equity | $16,538,000 | 3,646 |
| Average total loans | $78,498,600 | 4,192 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 3,154 |
| Cost of funding earning assets | 1.0826% | 3,094 |
| Net interest margin | 3.9040% | 3,361 |
| Noninterest income to average assets | 0.0867% | 6,803 |
| Noninterest expense to average assets | 3.1469% | 3,006 |
| Loan and lease loss provision to assets | 0.2638% | 3,397 |
| Net operating income to assets | 0.4335% | 4,842 |
| Return on assets (ROA) | 0.4335% | 5,037 |
| Pretax return on assets | 0.4409% | 5,339 |
| Return on Equity (ROE) | 2.8780% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.8780% | 4,634 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7042% | 2,016 |
| Assets per employee ($millions) | 5.9685% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 5,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 68.3472% | 2,415 |
| Net loans and leases to deposits | 79.6132% | 2,699 |
| Net loans and leases to core deposits | 85.8023% | 2,802 |
| Total domestic deposits to total assets | 85.8490% | 3,304 |
| Equity capital to assets | 13.9625% | 1,167 |
| Core capital (leverage) ratio | 14.2648% | 826 |
| Tier 1 risk-based capital ratio | 19.8202% | 1,726 |
| Total risk-based capital ratio | 21.0704% | 1,702 |
| Memoranda: | ||
| Average total assets | $107,659,500 | 4,723 |
| Average earning assets | $103,823,250 | 4,579 |
| Average equity | $16,215,000 | 3,699 |
| Average total loans | $77,383,500 | 4,268 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 2,886 |
| Cost of funding earning assets | 1.1276% | 3,052 |
| Net interest margin | 3.9296% | 3,171 |
| Noninterest income to average assets | 0.0790% | 6,930 |
| Noninterest expense to average assets | 3.2538% | 2,719 |
| Loan and lease loss provision to assets | 0.3065% | 2,963 |
| Net operating income to assets | 0.2930% | 5,394 |
| Return on assets (ROA) | 0.2930% | 5,536 |
| Pretax return on assets | 0.3007% | 5,666 |
| Return on Equity (ROE) | 1.8924% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.8924% | 5,034 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2736% | 1,786 |
| Assets per employee ($millions) | 5.6553% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 5,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 67.1942% | 2,793 |
| Net loans and leases to deposits | 78.6220% | 3,017 |
| Net loans and leases to core deposits | 84.3292% | 3,166 |
| Total domestic deposits to total assets | 85.4648% | 3,639 |
| Equity capital to assets | 14.4140% | 968 |
| Core capital (leverage) ratio | 15.0064% | 660 |
| Tier 1 risk-based capital ratio | 20.9296% | 1,435 |
| Total risk-based capital ratio | 22.1801% | 1,415 |
| Memoranda: | ||
| Average total assets | $103,756,000 | 4,861 |
| Average earning assets | $99,858,000 | 4,711 |
| Average equity | $16,064,330 | 3,723 |
| Average total loans | $75,629,000 | 4,358 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 2,474 |
| Cost of funding earning assets | 1.1707% | 3,014 |
| Net interest margin | 3.9695% | 2,826 |
| Noninterest income to average assets | 0.0686% | 7,046 |
| Noninterest expense to average assets | 3.3750% | 2,348 |
| Loan and lease loss provision to assets | 0.4481% | 1,968 |
| Net operating income to assets | 0.0646% | 6,195 |
| Return on assets (ROA) | 0.0646% | 6,240 |
| Pretax return on assets | 0.0646% | 6,248 |
| Return on Equity (ROE) | 0.4014% | 6,279 |
| Retained earnings to average equity (ytd only) | 0.4014% | 5,655 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8120% | 1,629 |
| Assets per employee ($millions) | 5.1575% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 5,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 73.5121% | 1,419 |
| Net loans and leases to deposits | 87.0584% | 1,589 |
| Net loans and leases to core deposits | 94.2278% | 1,862 |
| Total domestic deposits to total assets | 84.4400% | 4,302 |
| Equity capital to assets | 15.4883% | 661 |
| Core capital (leverage) ratio | 16.2461% | 461 |
| Tier 1 risk-based capital ratio | 21.0121% | 1,391 |
| Total risk-based capital ratio | 22.2664% | 1,366 |
| Memoranda: | ||
| Average total assets | $99,081,500 | 5,025 |
| Average earning assets | $95,328,000 | 4,871 |
| Average equity | $15,945,000 | 3,736 |
| Average total loans | $74,940,000 | 4,425 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 2,953 |
| Cost of funding earning assets | 1.5160% | 2,549 |
| Net interest margin | 3.8203% | 3,866 |
| Noninterest income to average assets | 0.0732% | 7,014 |
| Noninterest expense to average assets | 3.6304% | 1,848 |
| Loan and lease loss provision to assets | 0.5789% | 2,818 |
| Net operating income to assets | -0.5136% | 6,396 |
| Return on assets (ROA) | -0.5136% | 6,427 |
| Pretax return on assets | -0.5136% | 6,330 |
| Return on Equity (ROE) | -2.4574% | 6,228 |
| Retained earnings to average equity (ytd only) | -2.4574% | 6,044 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2320% | 861 |
| Assets per employee ($millions) | 5.0007% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 5,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 76.0372% | 1,265 |
| Net loans and leases to deposits | 91.4680% | 1,329 |
| Net loans and leases to core deposits | 99.8742% | 1,629 |
| Total domestic deposits to total assets | 83.1299% | 4,741 |
| Equity capital to assets | 16.7491% | 489 |
| Core capital (leverage) ratio | 17.3468% | 374 |
| Tier 1 risk-based capital ratio | 21.8032% | 1,205 |
| Total risk-based capital ratio | 22.9602% | 1,192 |
| Memoranda: | ||
| Average total assets | $76,520,000 | 5,693 |
| Average earning assets | $72,560,200 | 5,584 |
| Average equity | $15,992,800 | 3,767 |
| Average total loans | $55,569,000 | 5,253 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2712% | 3,486 |
| Cost of funding earning assets | 1.5680% | 2,561 |
| Net interest margin | 3.7032% | 4,384 |
| Noninterest income to average assets | 0.0723% | 7,173 |
| Noninterest expense to average assets | 3.7794% | 1,410 |
| Loan and lease loss provision to assets | 0.5971% | 2,557 |
| Net operating income to assets | -0.8178% | 6,799 |
| Return on assets (ROA) | -0.8178% | 6,837 |
| Pretax return on assets | -0.8178% | 6,750 |
| Return on Equity (ROE) | -3.6721% | 6,548 |
| Retained earnings to average equity (ytd only) | -3.6721% | 6,422 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2011% | 598 |
| Assets per employee ($millions) | 5.9530% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 73.2471% | 1,969 |
| Net loans and leases to deposits | 89.4306% | 1,799 |
| Net loans and leases to core deposits | 98.3298% | 2,013 |
| Total domestic deposits to total assets | 81.9038% | 5,036 |
| Equity capital to assets | 17.8543% | 424 |
| Core capital (leverage) ratio | 19.7387% | 254 |
| Tier 1 risk-based capital ratio | 23.5288% | 1,000 |
| Total risk-based capital ratio | 24.6085% | 997 |
| Memoranda: | ||
| Average total assets | $71,896,500 | 5,890 |
| Average earning assets | $67,687,500 | 5,806 |
| Average equity | $16,012,500 | 3,802 |
| Average total loans | $51,187,750 | 5,522 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 3,532 |
| Cost of funding earning assets | 1.6225% | 2,531 |
| Net interest margin | 3.6636% | 4,529 |
| Noninterest income to average assets | 0.0666% | 7,251 |
| Noninterest expense to average assets | 4.0093% | 1,034 |
| Loan and lease loss provision to assets | 0.5749% | 2,470 |
| Net operating income to assets | -1.1014% | 6,985 |
| Return on assets (ROA) | -1.1014% | 7,001 |
| Pretax return on assets | -1.1014% | 6,933 |
| Return on Equity (ROE) | -4.5399% | 6,657 |
| Retained earnings to average equity (ytd only) | -4.5399% | 6,501 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1173% | 477 |
| Assets per employee ($millions) | 4.8084% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 5,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 74.2284% | 1,858 |
| Net loans and leases to deposits | 95.5422% | 1,090 |
| Net loans and leases to core deposits | 103.2137% | 1,713 |
| Total domestic deposits to total assets | 77.6918% | 6,342 |
| Equity capital to assets | 22.1335% | 195 |
| Core capital (leverage) ratio | 22.0555% | 176 |
| Tier 1 risk-based capital ratio | 29.4650% | 543 |
| Total risk-based capital ratio | 30.5695% | 535 |
| Memoranda: | ||
| Average total assets | $66,097,000 | 6,101 |
| Average earning assets | $61,634,000 | 6,040 |
| Average equity | $16,035,670 | 3,793 |
| Average total loans | $46,205,670 | 5,753 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 4,166 |
| Cost of funding earning assets | 1.5613% | 3,196 |
| Net interest margin | 3.6130% | 4,668 |
| Noninterest income to average assets | 0.0444% | 7,489 |
| Noninterest expense to average assets | 3.9314% | 1,123 |
| Loan and lease loss provision to assets | 0.7609% | 1,669 |
| Net operating income to assets | -1.3316% | 7,269 |
| Return on assets (ROA) | -1.3316% | 7,280 |
| Pretax return on assets | -1.3316% | 7,195 |
| Return on Equity (ROE) | -5.2266% | 6,894 |
| Retained earnings to average equity (ytd only) | -5.2266% | 6,600 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9811% | 482 |
| Assets per employee ($millions) | 5.0014% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 5,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 67.3565% | 3,537 |
| Net loans and leases to deposits | 87.4215% | 2,330 |
| Net loans and leases to core deposits | 94.7162% | 2,741 |
| Total domestic deposits to total assets | 77.0480% | 6,552 |
| Equity capital to assets | 22.8478% | 185 |
| Core capital (leverage) ratio | 25.9841% | 121 |
| Tier 1 risk-based capital ratio | 32.0431% | 436 |
| Total risk-based capital ratio | 33.0971% | 434 |
| Memoranda: | ||
| Average total assets | $63,082,500 | 6,267 |
| Average earning assets | $57,901,500 | 6,249 |
| Average equity | $16,071,500 | 3,821 |
| Average total loans | $42,242,000 | 6,015 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 6,355 |
| Cost of funding earning assets | 1.6916% | 4,563 |
| Net interest margin | 3.3325% | 5,614 |
| Noninterest income to average assets | 0.0300% | 7,590 |
| Noninterest expense to average assets | 5.7245% | 353 |
| Loan and lease loss provision to assets | 0.7736% | 2,796 |
| Net operating income to assets | -3.5838% | 7,527 |
| Return on assets (ROA) | -3.5838% | 7,535 |
| Pretax return on assets | -3.5838% | 7,439 |
| Return on Equity (ROE) | -9.2922% | 6,565 |
| Retained earnings to average equity (ytd only) | -9.2922% | 6,459 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 196.4342% | 150 |
| Assets per employee ($millions) | 4.0104% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 64.8161% | 4,410 |
| Net loans and leases to deposits | 91.1872% | 2,016 |
| Net loans and leases to core deposits | 133.6185% | 1,080 |
| Total domestic deposits to total assets | 71.0802% | 7,335 |
| Equity capital to assets | 28.7559% | 111 |
| Core capital (leverage) ratio | 28.5909% | 112 |
| Tier 1 risk-based capital ratio | 42.5874% | 213 |
| Total risk-based capital ratio | 43.6569% | 210 |
| Memoranda: | ||
| Average total assets | $43,305,400 | 6,976 |
| Average earning assets | $37,479,800 | 7,032 |
| Average equity | $16,702,200 | 3,730 |
| Average total loans | $24,269,800 | 6,956 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 6,795 |
| Cost of funding earning assets | 1.6017% | 5,394 |
| Net interest margin | 3.3382% | 5,498 |
| Noninterest income to average assets | 0.0299% | 7,735 |
| Noninterest expense to average assets | 6.2084% | 288 |
| Loan and lease loss provision to assets | 0.9544% | 2,014 |
| Net operating income to assets | -4.3329% | 7,781 |
| Return on assets (ROA) | -4.3329% | 7,781 |
| Pretax return on assets | -4.3329% | 7,734 |
| Return on Equity (ROE) | -10.3155% | 6,918 |
| Retained earnings to average equity (ytd only) | -10.3155% | 6,836 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 219.3890% | 116 |
| Assets per employee ($millions) | 3.8573% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 5,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.5163% | 5,661 |
| Net loans and leases to deposits | 85.6382% | 3,391 |
| Net loans and leases to core deposits | 128.6166% | 1,530 |
| Total domestic deposits to total assets | 69.4974% | 7,454 |
| Equity capital to assets | 30.3155% | 115 |
| Core capital (leverage) ratio | 33.9424% | 101 |
| Tier 1 risk-based capital ratio | 47.5870% | 187 |
| Total risk-based capital ratio | 48.6315% | 188 |
| Memoranda: | ||
| Average total assets | $40,095,500 | 7,142 |
| Average earning assets | $33,630,500 | 7,266 |
| Average equity | $16,841,500 | 3,736 |
| Average total loans | $21,138,250 | 7,193 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 7,597 |
| Cost of funding earning assets | 1.3714% | 6,577 |
| Net interest margin | 3.1614% | 6,054 |
| Noninterest income to average assets | 0.0282% | 7,843 |
| Noninterest expense to average assets | 6.9092% | 227 |
| Loan and lease loss provision to assets | 1.2352% | 1,392 |
| Net operating income to assets | -5.3694% | 7,966 |
| Return on assets (ROA) | -5.3694% | 7,956 |
| Pretax return on assets | -5.3469% | 7,904 |
| Return on Equity (ROE) | -11.2011% | 7,121 |
| Retained earnings to average equity (ytd only) | -11.2011% | 6,984 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 246.9758% | 118 |
| Assets per employee ($millions) | 3.0403% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 61.0351% | 5,512 |
| Net loans and leases to deposits | 100.2238% | 1,269 |
| Net loans and leases to core deposits | 149.9163% | 656 |
| Total domestic deposits to total assets | 60.8989% | 7,917 |
| Equity capital to assets | 38.9766% | 89 |
| Core capital (leverage) ratio | 43.2806% | 80 |
| Tier 1 risk-based capital ratio | 60.8555% | 134 |
| Total risk-based capital ratio | 61.9149% | 133 |
| Memoranda: | ||
| Average total assets | $35,460,000 | 7,390 |
| Average earning assets | $31,062,670 | 7,436 |
| Average equity | $16,998,330 | 3,712 |
| Average total loans | $17,351,670 | 7,469 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 8,090 |
| Cost of funding earning assets | 1.1557% | 7,403 |
| Net interest margin | 2.3658% | 7,657 |
| Noninterest income to average assets | 0.0251% | 7,956 |
| Noninterest expense to average assets | 7.6094% | 172 |
| Loan and lease loss provision to assets | 1.7927% | 688 |
| Net operating income to assets | -7.2458% | 8,125 |
| Return on assets (ROA) | -7.2458% | 8,117 |
| Pretax return on assets | -7.1957% | 8,086 |
| Return on Equity (ROE) | -13.4399% | 7,539 |
| Retained earnings to average equity (ytd only) | -13.4399% | 7,351 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 344.8864% | 64 |
| Assets per employee ($millions) | 2.7275% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.1896% | 6,443 |
| Net loans and leases to deposits | 104.1183% | 1,005 |
| Net loans and leases to core deposits | 153.8967% | 602 |
| Total domestic deposits to total assets | 52.0461% | 8,085 |
| Equity capital to assets | 47.8072% | 73 |
| Core capital (leverage) ratio | 54.7339% | 64 |
| Tier 1 risk-based capital ratio | 80.7701% | 87 |
| Total risk-based capital ratio | 81.7865% | 86 |
| Memoranda: | ||
| Average total assets | $31,908,000 | 7,573 |
| Average earning assets | $29,419,000 | 7,548 |
| Average equity | $17,202,500 | 3,696 |
| Average total loans | $12,893,500 | 7,754 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6823% | 8,276 |
| Cost of funding earning assets | 0.1137% | 8,260 |
| Net interest margin | 0.5686% | 8,258 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 3.9740% | 1,458 |
| Loan and lease loss provision to assets | 0.2468% | 4,448 |
| Net operating income to assets | -3.6743% | 7,938 |
| Return on assets (ROA) | -3.6743% | 7,916 |
| Pretax return on assets | -3.6743% | 7,841 |
| Return on Equity (ROE) | -5.9700% | 6,960 |
| Retained earnings to average equity (ytd only) | -5.9700% | 6,661 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 727.0968% | 25 |
| Assets per employee ($millions) | 2.0256% | 7,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 22.1799% | 8,128 |
| Net loans and leases to deposits | 57.7753% | 7,216 |
| Net loans and leases to core deposits | 82.2652% | 6,437 |
| Total domestic deposits to total assets | 38.3899% | 8,199 |
| Equity capital to assets | 61.5466% | 53 |
| Core capital (leverage) ratio | 84.3866% | 23 |
| Tier 1 risk-based capital ratio | 159.4664% | 51 |
| Total risk-based capital ratio | 160.1060% | 50 |
| Memoranda: | ||
| Average total assets | $28,359,000 | 7,711 |
| Average earning assets | $27,261,000 | 7,651 |
| Average equity | $17,454,000 | 3,654 |
| Average total loans | $6,360,000 | 8,110 |