Home > Mercantile Bank > Performance and Condition Ratios
Mercantile Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 4,222 |
| Cost of funding earning assets | 0.8122% | 2,467 |
| Net interest margin | 3.2524% | 4,271 |
| Noninterest income to average assets | 0.8664% | 1,127 |
| Noninterest expense to average assets | 2.5305% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9447% | 3,071 |
| Return on assets (ROA) | 0.9447% | 3,113 |
| Pretax return on assets | 1.2859% | 2,509 |
| Return on Equity (ROE) | 10.6459% | 2,101 |
| Retained earnings to average equity (ytd only) | 5.6087% | 2,633 |
| Net charge-offs to loans | 0.0997% | 1,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 20.7778% | 1,546 |
| Efficiency ratio | 63.8514% | 3,261 |
| Assets per employee ($millions) | 4.7703% | 2,824 |
| Cash dividends to net income (ytd only)* | 47.3157% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,222 |
| Loan loss allowance to noncurrent loans | 483.4646% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 4,047 |
| Noncurrent loans to loans | 0.2239% | 3,786 |
| Net loans and leases to total assets | 60.0168% | 3,710 |
| Net loans and leases to deposits | 81.7584% | 2,633 |
| Net loans and leases to core deposits | 89.9881% | 2,507 |
| Total domestic deposits to total assets | 73.4075% | 4,971 |
| Equity capital to assets | 8.9874% | 4,694 |
| Core capital (leverage) ratio | 8.4284% | 5,047 |
| Tier 1 risk-based capital ratio | 11.7674% | 4,582 |
| Total risk-based capital ratio | 12.7553% | 4,635 |
| Memoranda: | ||
| Average total assets | $465,356,000 | 1,536 |
| Average earning assets | $422,084,000 | 1,552 |
| Average equity | $41,293,000 | 1,882 |
| Average total loans | $289,009,500 | 1,670 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,970 |
| Cost of funding earning assets | 0.6488% | 2,399 |
| Net interest margin | 3.3703% | 4,075 |
| Noninterest income to average assets | 1.0636% | 826 |
| Noninterest expense to average assets | 2.6847% | 3,077 |
| Loan and lease loss provision to assets | 0.1115% | 1,978 |
| Net operating income to assets | 1.5256% | 1,054 |
| Return on assets (ROA) | 1.5990% | 856 |
| Pretax return on assets | 1.3809% | 2,206 |
| Return on Equity (ROE) | 16.2826% | 570 |
| Retained earnings to average equity (ytd only) | -2.5475% | 5,155 |
| Net charge-offs to loans | 0.1838% | 1,049 |
| Credit loss provision to net charge-offs | 93.7381% | 2,670 |
| Earnings coverage of net charge-offs (x) | 11.9260% | 2,590 |
| Efficiency ratio | 62.8466% | 3,372 |
| Assets per employee ($millions) | 4.7268% | 2,836 |
| Cash dividends to net income (ytd only)* | 115.6453% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,283 |
| Loan loss allowance to noncurrent loans | 535.2641% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 4,100 |
| Noncurrent loans to loans | 0.1994% | 3,865 |
| Net loans and leases to total assets | 62.8714% | 3,478 |
| Net loans and leases to deposits | 85.9689% | 2,275 |
| Net loans and leases to core deposits | 96.3069% | 2,034 |
| Total domestic deposits to total assets | 73.1328% | 4,998 |
| Equity capital to assets | 8.7584% | 4,761 |
| Core capital (leverage) ratio | 8.4229% | 5,061 |
| Tier 1 risk-based capital ratio | 11.1185% | 4,916 |
| Total risk-based capital ratio | 12.0950% | 4,935 |
| Memoranda: | ||
| Average total assets | $442,915,200 | 1,555 |
| Average earning assets | $399,519,200 | 1,591 |
| Average equity | $43,494,400 | 1,717 |
| Average total loans | $286,710,400 | 1,655 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9894% | 3,960 |
| Cost of funding earning assets | 0.6278% | 2,286 |
| Net interest margin | 3.3616% | 4,131 |
| Noninterest income to average assets | 1.0792% | 809 |
| Noninterest expense to average assets | 2.6929% | 2,995 |
| Loan and lease loss provision to assets | 0.1197% | 1,694 |
| Net operating income to assets | 1.7004% | 744 |
| Return on assets (ROA) | 1.7994% | 606 |
| Pretax return on assets | 1.3953% | 2,245 |
| Return on Equity (ROE) | 17.8144% | 444 |
| Retained earnings to average equity (ytd only) | 11.4833% | 559 |
| Net charge-offs to loans | 0.2018% | 843 |
| Credit loss provision to net charge-offs | 91.1833% | 2,408 |
| Earnings coverage of net charge-offs (x) | 10.7889% | 2,562 |
| Efficiency ratio | 62.9363% | 3,348 |
| Assets per employee ($millions) | 4.5027% | 3,127 |
| Cash dividends to net income (ytd only)* | 35.5390% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,210 |
| Loan loss allowance to noncurrent loans | 500.3190% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 4,052 |
| Noncurrent loans to loans | 0.2193% | 3,923 |
| Net loans and leases to total assets | 64.7408% | 3,340 |
| Net loans and leases to deposits | 82.2014% | 2,792 |
| Net loans and leases to core deposits | 92.0725% | 2,478 |
| Total domestic deposits to total assets | 78.7588% | 4,369 |
| Equity capital to assets | 10.2283% | 3,423 |
| Core capital (leverage) ratio | 9.7020% | 3,939 |
| Tier 1 risk-based capital ratio | 12.9167% | 3,955 |
| Total risk-based capital ratio | 13.9170% | 3,999 |
| Memoranda: | ||
| Average total assets | $437,838,250 | 1,578 |
| Average earning assets | $394,607,250 | 1,617 |
| Average equity | $44,225,250 | 1,690 |
| Average total loans | $284,793,750 | 1,668 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 4,113 |
| Cost of funding earning assets | 0.6024% | 2,210 |
| Net interest margin | 3.2820% | 4,303 |
| Noninterest income to average assets | 1.0438% | 886 |
| Noninterest expense to average assets | 2.7180% | 2,950 |
| Loan and lease loss provision to assets | 0.0840% | 2,236 |
| Net operating income to assets | 1.7239% | 690 |
| Return on assets (ROA) | 1.8722% | 500 |
| Pretax return on assets | 1.3542% | 2,311 |
| Return on Equity (ROE) | 18.6133% | 366 |
| Retained earnings to average equity (ytd only) | 18.6133% | 87 |
| Net charge-offs to loans | 0.1856% | 845 |
| Credit loss provision to net charge-offs | 69.6970% | 2,351 |
| Earnings coverage of net charge-offs (x) | 10.7045% | 2,318 |
| Efficiency ratio | 65.1520% | 3,135 |
| Assets per employee ($millions) | 4.3956% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,376 |
| Loan loss allowance to noncurrent loans | 380.6888% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 4,054 |
| Noncurrent loans to loans | 0.2840% | 3,686 |
| Net loans and leases to total assets | 64.4141% | 3,350 |
| Net loans and leases to deposits | 82.3363% | 2,735 |
| Net loans and leases to core deposits | 92.3359% | 2,374 |
| Total domestic deposits to total assets | 78.2330% | 4,546 |
| Equity capital to assets | 10.3608% | 3,267 |
| Core capital (leverage) ratio | 9.6531% | 3,940 |
| Tier 1 risk-based capital ratio | 13.0088% | 3,889 |
| Total risk-based capital ratio | 13.9952% | 3,948 |
| Memoranda: | ||
| Average total assets | $438,197,670 | 1,589 |
| Average earning assets | $395,730,330 | 1,622 |
| Average equity | $44,076,000 | 1,701 |
| Average total loans | $284,425,330 | 1,668 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 4,190 |
| Cost of funding earning assets | 0.5855% | 2,136 |
| Net interest margin | 3.2235% | 4,389 |
| Noninterest income to average assets | 1.0422% | 839 |
| Noninterest expense to average assets | 2.7418% | 2,903 |
| Loan and lease loss provision to assets | 0.0814% | 2,162 |
| Net operating income to assets | 2.4621% | 155 |
| Return on assets (ROA) | 2.7592% | 98 |
| Pretax return on assets | 1.4253% | 1,915 |
| Return on Equity (ROE) | 27.8522% | 58 |
| Retained earnings to average equity (ytd only) | 27.8522% | 27 |
| Net charge-offs to loans | 0.3259% | 472 |
| Credit loss provision to net charge-offs | 38.5281% | 2,025 |
| Earnings coverage of net charge-offs (x) | 5.7273% | 2,208 |
| Efficiency ratio | 66.6821% | 3,049 |
| Assets per employee ($millions) | 4.5389% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,557 |
| Loan loss allowance to noncurrent loans | 309.4898% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 3,984 |
| Noncurrent loans to loans | 0.3452% | 3,529 |
| Net loans and leases to total assets | 63.7936% | 3,337 |
| Net loans and leases to deposits | 80.5252% | 2,749 |
| Net loans and leases to core deposits | 90.3793% | 2,421 |
| Total domestic deposits to total assets | 79.2219% | 4,542 |
| Equity capital to assets | 10.1023% | 3,500 |
| Core capital (leverage) ratio | 9.5211% | 4,046 |
| Tier 1 risk-based capital ratio | 12.9573% | 3,970 |
| Total risk-based capital ratio | 13.9490% | 4,015 |
| Memoranda: | ||
| Average total assets | $437,517,000 | 1,601 |
| Average earning assets | $394,845,000 | 1,629 |
| Average equity | $43,343,000 | 1,736 |
| Average total loans | $283,521,500 | 1,684 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 3,969 |
| Cost of funding earning assets | 0.5723% | 1,809 |
| Net interest margin | 3.2508% | 4,305 |
| Noninterest income to average assets | 1.0749% | 882 |
| Noninterest expense to average assets | 2.6357% | 3,329 |
| Loan and lease loss provision to assets | 0.1532% | 1,474 |
| Net operating income to assets | 1.1779% | 1,587 |
| Return on assets (ROA) | 1.1779% | 1,608 |
| Pretax return on assets | 1.2186% | 2,695 |
| Return on Equity (ROE) | 12.4045% | 1,103 |
| Retained earnings to average equity (ytd only) | -3.6820% | 5,386 |
| Net charge-offs to loans | 0.2925% | 895 |
| Credit loss provision to net charge-offs | 78.4404% | 2,966 |
| Earnings coverage of net charge-offs (x) | 7.0241% | 3,103 |
| Efficiency ratio | 62.9408% | 3,789 |
| Assets per employee ($millions) | 4.3476% | 3,421 |
| Cash dividends to net income (ytd only)* | 129.6824% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,238 |
| Loan loss allowance to noncurrent loans | 279.2436% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 3,627 |
| Noncurrent loans to loans | 0.4016% | 3,324 |
| Net loans and leases to total assets | 64.3961% | 3,314 |
| Net loans and leases to deposits | 79.7472% | 2,944 |
| Net loans and leases to core deposits | 90.8925% | 2,475 |
| Total domestic deposits to total assets | 80.7502% | 4,180 |
| Equity capital to assets | 9.7084% | 4,025 |
| Core capital (leverage) ratio | 8.9853% | 4,665 |
| Tier 1 risk-based capital ratio | 11.9635% | 4,555 |
| Total risk-based capital ratio | 12.9869% | 4,577 |
| Memoranda: | ||
| Average total assets | $446,477,800 | 1,556 |
| Average earning assets | $402,793,800 | 1,588 |
| Average equity | $42,395,800 | 1,755 |
| Average total loans | $298,068,800 | 1,577 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8046% | 3,997 |
| Cost of funding earning assets | 0.5687% | 1,748 |
| Net interest margin | 3.2359% | 4,371 |
| Noninterest income to average assets | 1.0710% | 890 |
| Noninterest expense to average assets | 2.5977% | 3,418 |
| Loan and lease loss provision to assets | 0.1409% | 1,504 |
| Net operating income to assets | 1.2090% | 1,656 |
| Return on assets (ROA) | 1.2090% | 1,688 |
| Pretax return on assets | 1.2526% | 2,692 |
| Return on Equity (ROE) | 12.8012% | 1,099 |
| Retained earnings to average equity (ytd only) | -4.8849% | 5,541 |
| Net charge-offs to loans | 0.2059% | 1,039 |
| Credit loss provision to net charge-offs | 101.9313% | 2,240 |
| Earnings coverage of net charge-offs (x) | 10.0794% | 2,633 |
| Efficiency ratio | 62.2686% | 3,838 |
| Assets per employee ($millions) | 4.2835% | 3,500 |
| Cash dividends to net income (ytd only)* | 138.1595% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 3,250 |
| Loan loss allowance to noncurrent loans | 258.9862% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 3,791 |
| Noncurrent loans to loans | 0.4402% | 3,388 |
| Net loans and leases to total assets | 67.5934% | 2,901 |
| Net loans and leases to deposits | 84.3513% | 2,520 |
| Net loans and leases to core deposits | 98.0029% | 1,886 |
| Total domestic deposits to total assets | 80.1332% | 4,289 |
| Equity capital to assets | 9.9433% | 3,974 |
| Core capital (leverage) ratio | 8.7702% | 5,004 |
| Tier 1 risk-based capital ratio | 11.6948% | 4,830 |
| Total risk-based capital ratio | 12.7577% | 4,849 |
| Memoranda: | ||
| Average total assets | $449,407,750 | 1,555 |
| Average earning assets | $405,568,750 | 1,589 |
| Average equity | $42,442,750 | 1,769 |
| Average total loans | $301,800,500 | 1,570 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 4,232 |
| Cost of funding earning assets | 0.5551% | 1,743 |
| Net interest margin | 3.1438% | 4,562 |
| Noninterest income to average assets | 1.0092% | 1,002 |
| Noninterest expense to average assets | 2.5604% | 3,551 |
| Loan and lease loss provision to assets | 0.1499% | 1,351 |
| Net operating income to assets | 1.0826% | 2,072 |
| Return on assets (ROA) | 1.0826% | 2,115 |
| Pretax return on assets | 1.1319% | 3,044 |
| Return on Equity (ROE) | 11.6589% | 1,401 |
| Retained earnings to average equity (ytd only) | -11.2518% | 5,671 |
| Net charge-offs to loans | 0.1751% | 1,127 |
| Credit loss provision to net charge-offs | 128.1955% | 1,701 |
| Earnings coverage of net charge-offs (x) | 10.9624% | 2,307 |
| Efficiency ratio | 63.7456% | 3,712 |
| Assets per employee ($millions) | 4.4734% | 3,153 |
| Cash dividends to net income (ytd only)* | 196.5083% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 3,423 |
| Loan loss allowance to noncurrent loans | 239.0821% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 3,763 |
| Noncurrent loans to loans | 0.4724% | 3,329 |
| Net loans and leases to total assets | 66.6135% | 3,017 |
| Net loans and leases to deposits | 84.8611% | 2,368 |
| Net loans and leases to core deposits | 98.1490% | 1,793 |
| Total domestic deposits to total assets | 78.4970% | 4,732 |
| Equity capital to assets | 9.3436% | 4,572 |
| Core capital (leverage) ratio | 8.3798% | 5,299 |
| Tier 1 risk-based capital ratio | 11.1169% | 5,194 |
| Total risk-based capital ratio | 12.1717% | 5,203 |
| Memoranda: | ||
| Average total assets | $455,000,000 | 1,543 |
| Average earning assets | $410,018,330 | 1,581 |
| Average equity | $42,251,000 | 1,765 |
| Average total loans | $303,800,000 | 1,558 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 4,549 |
| Cost of funding earning assets | 0.5351% | 1,824 |
| Net interest margin | 3.0161% | 4,857 |
| Noninterest income to average assets | 1.0048% | 996 |
| Noninterest expense to average assets | 2.5125% | 3,770 |
| Loan and lease loss provision to assets | 0.1078% | 1,773 |
| Net operating income to assets | 1.0329% | 2,154 |
| Return on assets (ROA) | 1.0329% | 2,204 |
| Pretax return on assets | 1.1003% | 2,982 |
| Return on Equity (ROE) | 11.1572% | 1,514 |
| Retained earnings to average equity (ytd only) | -26.6960% | 5,781 |
| Net charge-offs to loans | 0.1621% | 1,000 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 11.2114% | 1,901 |
| Efficiency ratio | 64.5632% | 3,737 |
| Assets per employee ($millions) | 4.6567% | 2,911 |
| Cash dividends to net income (ytd only)* | 339.2706% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,695 |
| Loan loss allowance to noncurrent loans | 243.3430% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 3,913 |
| Noncurrent loans to loans | 0.4540% | 3,471 |
| Net loans and leases to total assets | 65.3055% | 3,074 |
| Net loans and leases to deposits | 82.9869% | 2,397 |
| Net loans and leases to core deposits | 94.4503% | 1,942 |
| Total domestic deposits to total assets | 78.6937% | 4,884 |
| Equity capital to assets | 8.9074% | 4,902 |
| Core capital (leverage) ratio | 8.3493% | 5,343 |
| Tier 1 risk-based capital ratio | 11.0805% | 5,265 |
| Total risk-based capital ratio | 12.1251% | 5,297 |
| Memoranda: | ||
| Average total assets | $456,591,500 | 1,546 |
| Average earning assets | $411,120,500 | 1,584 |
| Average equity | $42,268,500 | 1,767 |
| Average total loans | $303,495,500 | 1,566 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 3,486 |
| Cost of funding earning assets | 0.5019% | 2,076 |
| Net interest margin | 3.4206% | 3,750 |
| Noninterest income to average assets | 1.0871% | 958 |
| Noninterest expense to average assets | 2.6363% | 3,564 |
| Loan and lease loss provision to assets | 0.3004% | 628 |
| Net operating income to assets | 1.1657% | 1,623 |
| Return on assets (ROA) | 1.2356% | 1,481 |
| Pretax return on assets | 1.2653% | 2,417 |
| Return on Equity (ROE) | 12.0096% | 1,242 |
| Retained earnings to average equity (ytd only) | -4.8502% | 5,671 |
| Net charge-offs to loans | 0.2257% | 1,232 |
| Credit loss provision to net charge-offs | 182.6265% | 1,539 |
| Earnings coverage of net charge-offs (x) | 9.0862% | 2,788 |
| Efficiency ratio | 60.8442% | 4,446 |
| Assets per employee ($millions) | 4.4770% | 3,148 |
| Cash dividends to net income (ytd only)* | 140.3860% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,646 |
| Loan loss allowance to noncurrent loans | 274.9796% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 4,070 |
| Noncurrent loans to loans | 0.4042% | 3,702 |
| Net loans and leases to total assets | 66.1694% | 3,048 |
| Net loans and leases to deposits | 85.2772% | 2,270 |
| Net loans and leases to core deposits | 97.3157% | 1,814 |
| Total domestic deposits to total assets | 77.5933% | 5,035 |
| Equity capital to assets | 9.6142% | 4,155 |
| Core capital (leverage) ratio | 9.0657% | 4,662 |
| Tier 1 risk-based capital ratio | 12.0056% | 4,724 |
| Total risk-based capital ratio | 13.0470% | 4,758 |
| Memoranda: | ||
| Average total assets | $444,480,800 | 1,530 |
| Average earning assets | $395,489,600 | 1,594 |
| Average equity | $45,730,000 | 1,648 |
| Average total loans | $323,840,800 | 1,440 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,219 |
| Cost of funding earning assets | 0.4839% | 2,223 |
| Net interest margin | 3.5198% | 3,395 |
| Noninterest income to average assets | 1.0719% | 986 |
| Noninterest expense to average assets | 2.6575% | 3,472 |
| Loan and lease loss provision to assets | 0.2968% | 573 |
| Net operating income to assets | 1.2175% | 1,582 |
| Return on assets (ROA) | 1.3111% | 1,341 |
| Pretax return on assets | 1.3401% | 2,271 |
| Return on Equity (ROE) | 12.5340% | 1,162 |
| Retained earnings to average equity (ytd only) | -0.6566% | 5,454 |
| Net charge-offs to loans | 0.2017% | 1,162 |
| Credit loss provision to net charge-offs | 197.7912% | 1,451 |
| Earnings coverage of net charge-offs (x) | 10.2731% | 2,590 |
| Efficiency ratio | 60.3501% | 4,491 |
| Assets per employee ($millions) | 4.2371% | 3,531 |
| Cash dividends to net income (ytd only)* | 105.2389% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 4,160 |
| Loan loss allowance to noncurrent loans | 236.2445% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 4,081 |
| Noncurrent loans to loans | 0.4420% | 3,698 |
| Net loans and leases to total assets | 69.1413% | 2,618 |
| Net loans and leases to deposits | 90.8327% | 1,654 |
| Net loans and leases to core deposits | 104.2361% | 1,323 |
| Total domestic deposits to total assets | 76.1193% | 5,226 |
| Equity capital to assets | 10.5232% | 3,539 |
| Core capital (leverage) ratio | 9.4056% | 4,320 |
| Tier 1 risk-based capital ratio | 12.7439% | 4,313 |
| Total risk-based capital ratio | 13.7637% | 4,367 |
| Memoranda: | ||
| Average total assets | $442,557,750 | 1,533 |
| Average earning assets | $393,156,250 | 1,601 |
| Average equity | $46,294,250 | 1,642 |
| Average total loans | $329,160,250 | 1,418 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 3,254 |
| Cost of funding earning assets | 0.4718% | 2,355 |
| Net interest margin | 3.5264% | 3,386 |
| Noninterest income to average assets | 1.1318% | 874 |
| Noninterest expense to average assets | 2.6262% | 3,628 |
| Loan and lease loss provision to assets | 0.3576% | 454 |
| Net operating income to assets | 1.2394% | 1,466 |
| Return on assets (ROA) | 1.3197% | 1,313 |
| Pretax return on assets | 1.3495% | 2,206 |
| Return on Equity (ROE) | 12.6409% | 1,120 |
| Retained earnings to average equity (ytd only) | -5.4423% | 5,768 |
| Net charge-offs to loans | 0.1945% | 1,180 |
| Credit loss provision to net charge-offs | 242.3313% | 1,129 |
| Earnings coverage of net charge-offs (x) | 11.0123% | 2,292 |
| Efficiency ratio | 58.8649% | 4,787 |
| Assets per employee ($millions) | 4.5357% | 2,957 |
| Cash dividends to net income (ytd only)* | 143.0532% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,840 |
| Loan loss allowance to noncurrent loans | 248.8803% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 4,277 |
| Noncurrent loans to loans | 0.3742% | 4,021 |
| Net loans and leases to total assets | 73.3960% | 1,947 |
| Net loans and leases to deposits | 96.7473% | 995 |
| Net loans and leases to core deposits | 113.9500% | 727 |
| Total domestic deposits to total assets | 75.8636% | 5,305 |
| Equity capital to assets | 9.8544% | 4,384 |
| Core capital (leverage) ratio | 9.4162% | 4,315 |
| Tier 1 risk-based capital ratio | 11.0946% | 5,367 |
| Total risk-based capital ratio | 12.0003% | 5,468 |
| Memoranda: | ||
| Average total assets | $441,778,670 | 1,536 |
| Average earning assets | $390,824,000 | 1,606 |
| Average equity | $46,120,000 | 1,645 |
| Average total loans | $335,263,000 | 1,393 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 2,838 |
| Cost of funding earning assets | 0.4669% | 2,407 |
| Net interest margin | 3.6342% | 2,942 |
| Noninterest income to average assets | 1.1905% | 776 |
| Noninterest expense to average assets | 2.7118% | 3,374 |
| Loan and lease loss provision to assets | 0.2172% | 888 |
| Net operating income to assets | 1.4878% | 880 |
| Return on assets (ROA) | 1.4878% | 919 |
| Pretax return on assets | 1.5195% | 1,530 |
| Return on Equity (ROE) | 13.8297% | 867 |
| Retained earnings to average equity (ytd only) | -12.1660% | 5,862 |
| Net charge-offs to loans | 0.1589% | 1,173 |
| Credit loss provision to net charge-offs | 177.8626% | 1,164 |
| Earnings coverage of net charge-offs (x) | 14.2214% | 1,709 |
| Efficiency ratio | 58.0889% | 4,985 |
| Assets per employee ($millions) | 4.0129% | 3,921 |
| Cash dividends to net income (ytd only)* | 187.9699% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 5,156 |
| Loan loss allowance to noncurrent loans | 230.7258% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 4,362 |
| Noncurrent loans to loans | 0.3765% | 4,088 |
| Net loans and leases to total assets | 76.0364% | 1,388 |
| Net loans and leases to deposits | 100.4266% | 595 |
| Net loans and leases to core deposits | 110.1330% | 848 |
| Total domestic deposits to total assets | 75.7134% | 5,444 |
| Equity capital to assets | 10.6286% | 3,335 |
| Core capital (leverage) ratio | 9.6081% | 4,027 |
| Tier 1 risk-based capital ratio | 11.6233% | 5,157 |
| Total risk-based capital ratio | 12.4766% | 5,288 |
| Memoranda: | ||
| Average total assets | $429,081,000 | 1,579 |
| Average earning assets | $384,675,000 | 1,629 |
| Average equity | $46,161,500 | 1,637 |
| Average total loans | $329,839,500 | 1,404 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 947 |
| Cost of funding earning assets | 0.3286% | 3,927 |
| Net interest margin | 4.4565% | 708 |
| Noninterest income to average assets | 1.7007% | 450 |
| Noninterest expense to average assets | 3.2192% | 1,916 |
| Loan and lease loss provision to assets | 0.4914% | 232 |
| Net operating income to assets | 2.2331% | 238 |
| Return on assets (ROA) | 2.2331% | 244 |
| Pretax return on assets | 1.9699% | 570 |
| Return on Equity (ROE) | 21.4028% | 194 |
| Retained earnings to average equity (ytd only) | 21.4028% | 57 |
| Net charge-offs to loans | 0.1675% | 1,688 |
| Credit loss provision to net charge-offs | 390.0634% | 775 |
| Earnings coverage of net charge-offs (x) | 19.5391% | 1,939 |
| Efficiency ratio | 53.8912% | 5,528 |
| Assets per employee ($millions) | 4.0073% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 5,314 |
| Loan loss allowance to noncurrent loans | 215.0429% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 4,325 |
| Noncurrent loans to loans | 0.3884% | 4,060 |
| Net loans and leases to total assets | 76.3963% | 1,345 |
| Net loans and leases to deposits | 99.6893% | 695 |
| Net loans and leases to core deposits | 109.1572% | 910 |
| Total domestic deposits to total assets | 76.6345% | 5,375 |
| Equity capital to assets | 10.8881% | 2,948 |
| Core capital (leverage) ratio | 10.0447% | 3,447 |
| Tier 1 risk-based capital ratio | 11.9621% | 4,973 |
| Total risk-based capital ratio | 12.7789% | 5,144 |
| Memoranda: | ||
| Average total assets | $375,493,600 | 1,750 |
| Average earning assets | $335,327,600 | 1,808 |
| Average equity | $39,177,200 | 1,837 |
| Average total loans | $282,369,200 | 1,541 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 698 |
| Cost of funding earning assets | 0.2701% | 4,667 |
| Net interest margin | 4.6724% | 475 |
| Noninterest income to average assets | 1.7299% | 440 |
| Noninterest expense to average assets | 3.2746% | 1,766 |
| Loan and lease loss provision to assets | 0.3472% | 387 |
| Net operating income to assets | 2.6432% | 132 |
| Return on assets (ROA) | 2.6432% | 138 |
| Pretax return on assets | 2.2795% | 349 |
| Return on Equity (ROE) | 25.6651% | 103 |
| Retained earnings to average equity (ytd only) | 25.6651% | 42 |
| Net charge-offs to loans | 0.1366% | 1,769 |
| Credit loss provision to net charge-offs | 340.4332% | 861 |
| Earnings coverage of net charge-offs (x) | 25.7584% | 1,648 |
| Efficiency ratio | 52.7137% | 5,600 |
| Assets per employee ($millions) | 3.9183% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 5,819 |
| Loan loss allowance to noncurrent loans | 225.8526% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 4,328 |
| Noncurrent loans to loans | 0.2875% | 4,551 |
| Net loans and leases to total assets | 74.9193% | 1,562 |
| Net loans and leases to deposits | 98.1790% | 802 |
| Net loans and leases to core deposits | 108.6739% | 945 |
| Total domestic deposits to total assets | 76.3089% | 5,441 |
| Equity capital to assets | 10.8843% | 3,146 |
| Core capital (leverage) ratio | 10.1835% | 3,394 |
| Tier 1 risk-based capital ratio | 12.2943% | 4,893 |
| Total risk-based capital ratio | 12.9489% | 5,186 |
| Memoranda: | ||
| Average total assets | $362,171,750 | 1,820 |
| Average earning assets | $323,334,250 | 1,883 |
| Average equity | $37,300,000 | 1,929 |
| Average total loans | $270,378,500 | 1,624 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 2,127 |
| Cost of funding earning assets | 0.1346% | 5,951 |
| Net interest margin | 4.1782% | 1,155 |
| Noninterest income to average assets | 1.9187% | 392 |
| Noninterest expense to average assets | 3.0501% | 2,401 |
| Loan and lease loss provision to assets | 0.3212% | 444 |
| Net operating income to assets | 2.2609% | 232 |
| Return on assets (ROA) | 2.2609% | 246 |
| Pretax return on assets | 2.2743% | 357 |
| Return on Equity (ROE) | 22.4726% | 179 |
| Retained earnings to average equity (ytd only) | 22.4726% | 62 |
| Net charge-offs to loans | 0.0823% | 2,224 |
| Credit loss provision to net charge-offs | 524.7619% | 608 |
| Earnings coverage of net charge-offs (x) | 42.4095% | 1,087 |
| Efficiency ratio | 51.5383% | 5,750 |
| Assets per employee ($millions) | 3.8666% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6130% | 5,951 |
| Loan loss allowance to noncurrent loans | 189.7041% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 4,210 |
| Noncurrent loans to loans | 0.3231% | 4,538 |
| Net loans and leases to total assets | 74.6836% | 1,553 |
| Net loans and leases to deposits | 104.7157% | 420 |
| Net loans and leases to core deposits | 113.9465% | 669 |
| Total domestic deposits to total assets | 71.3204% | 5,970 |
| Equity capital to assets | 10.4254% | 3,524 |
| Core capital (leverage) ratio | 10.2679% | 3,258 |
| Tier 1 risk-based capital ratio | 12.5252% | 4,785 |
| Total risk-based capital ratio | 13.1403% | 5,120 |
| Memoranda: | ||
| Average total assets | $343,141,330 | 1,927 |
| Average earning assets | $306,062,670 | 2,011 |
| Average equity | $34,522,000 | 2,090 |
| Average total loans | $255,117,330 | 1,712 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 2,031 |
| Cost of funding earning assets | 0.1448% | 5,965 |
| Net interest margin | 4.1740% | 1,119 |
| Noninterest income to average assets | 2.7296% | 243 |
| Noninterest expense to average assets | 3.2555% | 1,829 |
| Loan and lease loss provision to assets | 0.3299% | 412 |
| Net operating income to assets | 2.8387% | 96 |
| Return on assets (ROA) | 2.8387% | 103 |
| Pretax return on assets | 2.8657% | 142 |
| Return on Equity (ROE) | 28.7489% | 65 |
| Retained earnings to average equity (ytd only) | 28.7489% | 26 |
| Net charge-offs to loans | 0.0984% | 1,738 |
| Credit loss provision to net charge-offs | 453.2258% | 592 |
| Earnings coverage of net charge-offs (x) | 43.9032% | 918 |
| Efficiency ratio | 48.2621% | 6,009 |
| Assets per employee ($millions) | 3.8007% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5393% | 6,132 |
| Loan loss allowance to noncurrent loans | 125.4330% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 3,996 |
| Noncurrent loans to loans | 0.4299% | 4,306 |
| Net loans and leases to total assets | 74.1923% | 1,473 |
| Net loans and leases to deposits | 100.0852% | 559 |
| Net loans and leases to core deposits | 108.7600% | 796 |
| Total domestic deposits to total assets | 74.1291% | 5,895 |
| Equity capital to assets | 10.2025% | 3,880 |
| Core capital (leverage) ratio | 9.9197% | 3,712 |
| Tier 1 risk-based capital ratio | 12.5963% | 4,839 |
| Total risk-based capital ratio | 13.1407% | 5,201 |
| Memoranda: | ||
| Average total assets | $340,714,000 | 1,952 |
| Average earning assets | $303,788,500 | 2,027 |
| Average equity | $33,643,000 | 2,140 |
| Average total loans | $251,926,500 | 1,727 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 2,160 |
| Cost of funding earning assets | 0.2452% | 5,375 |
| Net interest margin | 4.1741% | 1,372 |
| Noninterest income to average assets | 1.2204% | 804 |
| Noninterest expense to average assets | 3.5882% | 1,332 |
| Loan and lease loss provision to assets | 0.5627% | 257 |
| Net operating income to assets | 0.7946% | 3,402 |
| Return on assets (ROA) | 0.8378% | 3,280 |
| Pretax return on assets | 0.8355% | 4,125 |
| Return on Equity (ROE) | 9.8404% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.8404% | 545 |
| Net charge-offs to loans | 0.3382% | 1,300 |
| Credit loss provision to net charge-offs | 245.1654% | 1,038 |
| Earnings coverage of net charge-offs (x) | 5.9033% | 3,323 |
| Efficiency ratio | 69.4394% | 3,635 |
| Assets per employee ($millions) | 4.0887% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4652% | 6,284 |
| Loan loss allowance to noncurrent loans | 103.5810% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 3,857 |
| Noncurrent loans to loans | 0.4491% | 4,295 |
| Net loans and leases to total assets | 72.9409% | 1,766 |
| Net loans and leases to deposits | 99.2287% | 667 |
| Net loans and leases to core deposits | 103.9168% | 1,131 |
| Total domestic deposits to total assets | 73.5078% | 5,979 |
| Equity capital to assets | 9.5434% | 4,667 |
| Core capital (leverage) ratio | 8.8691% | 5,156 |
| Tier 1 risk-based capital ratio | 11.6660% | 5,567 |
| Total risk-based capital ratio | 12.1355% | 5,884 |
| Memoranda: | ||
| Average total assets | $342,432,000 | 1,898 |
| Average earning assets | $305,405,200 | 1,964 |
| Average equity | $29,155,200 | 2,332 |
| Average total loans | $232,404,600 | 1,808 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 1,674 |
| Cost of funding earning assets | 0.2745% | 5,159 |
| Net interest margin | 4.2842% | 1,081 |
| Noninterest income to average assets | 1.1383% | 931 |
| Noninterest expense to average assets | 3.6689% | 1,173 |
| Loan and lease loss provision to assets | 0.5054% | 296 |
| Net operating income to assets | 0.7929% | 3,452 |
| Return on assets (ROA) | 0.8504% | 3,267 |
| Pretax return on assets | 0.8469% | 4,190 |
| Return on Equity (ROE) | 10.2958% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.2958% | 633 |
| Net charge-offs to loans | 0.3112% | 1,279 |
| Credit loss provision to net charge-offs | 244.0901% | 1,075 |
| Earnings coverage of net charge-offs (x) | 6.2533% | 3,113 |
| Efficiency ratio | 70.7834% | 3,372 |
| Assets per employee ($millions) | 3.2440% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3348% | 6,450 |
| Loan loss allowance to noncurrent loans | 61.2022% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 3,733 |
| Noncurrent loans to loans | 0.5471% | 4,277 |
| Net loans and leases to total assets | 69.8422% | 2,221 |
| Net loans and leases to deposits | 93.0260% | 1,129 |
| Net loans and leases to core deposits | 96.5867% | 1,630 |
| Total domestic deposits to total assets | 75.0782% | 5,914 |
| Equity capital to assets | 9.4642% | 4,838 |
| Core capital (leverage) ratio | 8.4928% | 5,665 |
| Tier 1 risk-based capital ratio | 12.0934% | 5,431 |
| Total risk-based capital ratio | 12.4240% | 5,874 |
| Memoranda: | ||
| Average total assets | $343,199,000 | 1,905 |
| Average earning assets | $306,452,500 | 1,968 |
| Average equity | $28,347,250 | 2,395 |
| Average total loans | $228,332,750 | 1,844 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 1,444 |
| Cost of funding earning assets | 0.3303% | 4,644 |
| Net interest margin | 4.3017% | 1,023 |
| Noninterest income to average assets | 1.1368% | 912 |
| Noninterest expense to average assets | 3.6832% | 1,171 |
| Loan and lease loss provision to assets | 0.4904% | 306 |
| Net operating income to assets | 0.8053% | 3,300 |
| Return on assets (ROA) | 0.8053% | 3,404 |
| Pretax return on assets | 0.8001% | 4,264 |
| Return on Equity (ROE) | 10.2292% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.2292% | 672 |
| Net charge-offs to loans | 0.2058% | 1,790 |
| Credit loss provision to net charge-offs | 364.3777% | 744 |
| Earnings coverage of net charge-offs (x) | 9.5880% | 2,344 |
| Efficiency ratio | 70.9524% | 3,504 |
| Assets per employee ($millions) | 3.0401% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2731% | 6,546 |
| Loan loss allowance to noncurrent loans | 41.0656% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.4544% | 2,241 |
| Noncurrent loans to loans | 0.6650% | 4,047 |
| Net loans and leases to total assets | 67.7796% | 2,445 |
| Net loans and leases to deposits | 81.5546% | 2,308 |
| Net loans and leases to core deposits | 85.6387% | 2,553 |
| Total domestic deposits to total assets | 83.1094% | 4,263 |
| Equity capital to assets | 8.3489% | 5,918 |
| Core capital (leverage) ratio | 7.4145% | 6,337 |
| Tier 1 risk-based capital ratio | 10.6441% | 6,204 |
| Total risk-based capital ratio | 10.9103% | 6,457 |
| Memoranda: | ||
| Average total assets | $346,221,000 | 1,887 |
| Average earning assets | $308,811,670 | 1,955 |
| Average equity | $27,255,330 | 2,459 |
| Average total loans | $226,393,670 | 1,854 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,533 |
| Cost of funding earning assets | 0.3595% | 4,438 |
| Net interest margin | 3.6776% | 2,957 |
| Noninterest income to average assets | 1.1527% | 837 |
| Noninterest expense to average assets | 3.6083% | 1,293 |
| Loan and lease loss provision to assets | 0.2635% | 797 |
| Net operating income to assets | 0.5729% | 4,340 |
| Return on assets (ROA) | 0.5729% | 4,415 |
| Pretax return on assets | 0.5626% | 4,975 |
| Return on Equity (ROE) | 7.4992% | 3,203 |
| Retained earnings to average equity (ytd only) | 7.4992% | 1,821 |
| Net charge-offs to loans | 0.2215% | 1,437 |
| Credit loss provision to net charge-offs | 185.4839% | 1,104 |
| Earnings coverage of net charge-offs (x) | 5.8145% | 2,326 |
| Efficiency ratio | 77.9328% | 2,483 |
| Assets per employee ($millions) | 2.9407% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0549% | 6,665 |
| Loan loss allowance to noncurrent loans | 5.1412% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 1.5605% | 2,259 |
| Noncurrent loans to loans | 1.0677% | 3,288 |
| Net loans and leases to total assets | 64.0124% | 2,887 |
| Net loans and leases to deposits | 73.9130% | 3,072 |
| Net loans and leases to core deposits | 80.8617% | 2,868 |
| Total domestic deposits to total assets | 86.6051% | 3,043 |
| Equity capital to assets | 7.8163% | 6,166 |
| Core capital (leverage) ratio | 7.0209% | 6,467 |
| Tier 1 risk-based capital ratio | 10.6298% | 6,297 |
| Total risk-based capital ratio | 10.6834% | 6,546 |
| Memoranda: | ||
| Average total assets | $349,088,500 | 1,879 |
| Average earning assets | $311,506,500 | 1,936 |
| Average equity | $26,669,500 | 2,494 |
| Average total loans | $223,884,500 | 1,874 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1812% | 6,802 |
| Cost of funding earning assets | 0.0328% | 6,763 |
| Net interest margin | 0.1484% | 6,799 |
| Noninterest income to average assets | 0.0644% | 6,505 |
| Noninterest expense to average assets | 0.1264% | 6,806 |
| Loan and lease loss provision to assets | 0.0673% | 3,787 |
| Net operating income to assets | 0.0029% | 6,209 |
| Return on assets (ROA) | 0.0029% | 6,248 |
| Pretax return on assets | 0.0029% | 6,229 |
| Return on Equity (ROE) | 0.0396% | 6,247 |
| Retained earnings to average equity (ytd only) | 0.0396% | 5,829 |
| Net charge-offs to loans | 0.4428% | 1,500 |
| Credit loss provision to net charge-offs | 23.5568% | 4,379 |
| Earnings coverage of net charge-offs (x) | 0.2458% | 5,004 |
| Efficiency ratio | 64.2760% | 4,850 |
| Assets per employee ($millions) | 2.9760% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0071% | 6,747 |
| Loan loss allowance to noncurrent loans | 0.6452% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 1.5810% | 2,357 |
| Noncurrent loans to loans | 1.0997% | 3,332 |
| Net loans and leases to total assets | 64.2149% | 3,008 |
| Net loans and leases to deposits | 73.4572% | 3,335 |
| Net loans and leases to core deposits | 80.1131% | 3,120 |
| Total domestic deposits to total assets | 87.4181% | 2,514 |
| Equity capital to assets | 7.4653% | 6,303 |
| Core capital (leverage) ratio | 6.6032% | 6,582 |
| Tier 1 risk-based capital ratio | 10.1465% | 6,475 |
| Total risk-based capital ratio | 10.1534% | 6,660 |
| Memoranda: | ||
| Average total assets | $375,729,600 | 1,740 |
| Average earning assets | $335,009,400 | 1,775 |
| Average equity | $27,811,400 | 2,392 |
| Average total loans | $242,553,400 | 1,707 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 4,978 |
| Cost of funding earning assets | 1.0250% | 435 |
| Net interest margin | 2.7410% | 6,097 |
| Noninterest income to average assets | 1.3142% | 858 |
| Noninterest expense to average assets | 3.6064% | 1,386 |
| Loan and lease loss provision to assets | 0.0349% | 4,320 |
| Net operating income to assets | 0.1201% | 6,098 |
| Return on assets (ROA) | 0.1728% | 6,052 |
| Pretax return on assets | 0.1690% | 6,096 |
| Return on Equity (ROE) | 2.3395% | 5,840 |
| Retained earnings to average equity (ytd only) | 2.3395% | 4,926 |
| Net charge-offs to loans | 0.3960% | 1,617 |
| Credit loss provision to net charge-offs | 13.6426% | 4,170 |
| Earnings coverage of net charge-offs (x) | 0.5907% | 4,661 |
| Efficiency ratio | 95.9766% | 624 |
| Assets per employee ($millions) | 2.9235% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4944% | 940 |
| Loan loss allowance to noncurrent loans | 183.8478% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 1.7623% | 2,326 |
| Noncurrent loans to loans | 1.3568% | 3,152 |
| Net loans and leases to total assets | 66.6901% | 2,525 |
| Net loans and leases to deposits | 76.8296% | 2,840 |
| Net loans and leases to core deposits | 85.5773% | 2,459 |
| Total domestic deposits to total assets | 86.8027% | 2,798 |
| Equity capital to assets | 7.8007% | 6,259 |
| Core capital (leverage) ratio | 7.7701% | 6,344 |
| Tier 1 risk-based capital ratio | 11.0927% | 6,237 |
| Total risk-based capital ratio | 12.3706% | 6,191 |
| Memoranda: | ||
| Average total assets | $381,869,250 | 1,728 |
| Average earning assets | $340,400,750 | 1,763 |
| Average equity | $28,210,250 | 2,395 |
| Average total loans | $246,811,750 | 1,683 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 5,079 |
| Cost of funding earning assets | 1.0672% | 392 |
| Net interest margin | 2.6539% | 6,255 |
| Noninterest income to average assets | 1.0876% | 1,294 |
| Noninterest expense to average assets | 3.6697% | 1,302 |
| Loan and lease loss provision to assets | 0.0514% | 3,964 |
| Net operating income to assets | -0.2607% | 6,529 |
| Return on assets (ROA) | -0.1855% | 6,518 |
| Pretax return on assets | -0.1911% | 6,489 |
| Return on Equity (ROE) | -2.5545% | 6,555 |
| Retained earnings to average equity (ytd only) | -2.5545% | 6,261 |
| Net charge-offs to loans | 0.4565% | 1,442 |
| Credit loss provision to net charge-offs | 17.7305% | 3,770 |
| Earnings coverage of net charge-offs (x) | -0.7500% | 4,688 |
| Efficiency ratio | 106.2946% | 342 |
| Assets per employee ($millions) | 2.8652% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5741% | 906 |
| Loan loss allowance to noncurrent loans | 177.9283% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.9371% | 2,240 |
| Noncurrent loans to loans | 1.4467% | 3,134 |
| Net loans and leases to total assets | 66.0913% | 2,572 |
| Net loans and leases to deposits | 74.9770% | 3,019 |
| Net loans and leases to core deposits | 83.4127% | 2,639 |
| Total domestic deposits to total assets | 88.1488% | 2,140 |
| Equity capital to assets | 7.5843% | 6,413 |
| Core capital (leverage) ratio | 7.2202% | 6,555 |
| Tier 1 risk-based capital ratio | 10.8110% | 6,411 |
| Total risk-based capital ratio | 12.0903% | 6,369 |
| Memoranda: | ||
| Average total assets | $389,293,670 | 1,701 |
| Average earning assets | $346,891,670 | 1,741 |
| Average equity | $28,263,330 | 2,408 |
| Average total loans | $247,099,000 | 1,676 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 5,413 |
| Cost of funding earning assets | 1.1293% | 317 |
| Net interest margin | 2.4857% | 6,525 |
| Noninterest income to average assets | 1.1263% | 1,179 |
| Noninterest expense to average assets | 3.3532% | 1,948 |
| Loan and lease loss provision to assets | 0.0991% | 3,028 |
| Net operating income to assets | -0.1130% | 6,456 |
| Return on assets (ROA) | 0.0357% | 6,369 |
| Pretax return on assets | 0.0357% | 6,365 |
| Return on Equity (ROE) | 0.5017% | 6,331 |
| Retained earnings to average equity (ytd only) | 0.5017% | 5,625 |
| Net charge-offs to loans | 0.0709% | 3,132 |
| Credit loss provision to net charge-offs | 227.2727% | 997 |
| Earnings coverage of net charge-offs (x) | -0.3182% | 3,897 |
| Efficiency ratio | 100.4157% | 532 |
| Assets per employee ($millions) | 3.0907% | 5,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7968% | 822 |
| Loan loss allowance to noncurrent loans | 110.3671% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 2.8954% | 1,558 |
| Noncurrent loans to loans | 2.5340% | 2,038 |
| Net loans and leases to total assets | 61.3892% | 3,193 |
| Net loans and leases to deposits | 70.1936% | 3,447 |
| Net loans and leases to core deposits | 77.7581% | 3,108 |
| Total domestic deposits to total assets | 87.4570% | 2,657 |
| Equity capital to assets | 7.4310% | 6,614 |
| Core capital (leverage) ratio | 6.8851% | 6,676 |
| Tier 1 risk-based capital ratio | 10.8265% | 6,478 |
| Total risk-based capital ratio | 12.1094% | 6,431 |
| Memoranda: | ||
| Average total assets | $403,435,000 | 1,658 |
| Average earning assets | $359,174,000 | 1,703 |
| Average equity | $28,705,000 | 2,405 |
| Average total loans | $248,198,000 | 1,674 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 5,906 |
| Cost of funding earning assets | 1.2442% | 472 |
| Net interest margin | 2.5243% | 6,698 |
| Noninterest income to average assets | 0.6668% | 2,898 |
| Noninterest expense to average assets | 3.5853% | 1,638 |
| Loan and lease loss provision to assets | 0.7418% | 684 |
| Net operating income to assets | -1.3704% | 6,833 |
| Return on assets (ROA) | -1.3704% | 6,842 |
| Pretax return on assets | -1.3919% | 6,824 |
| Return on Equity (ROE) | -20.5838% | 6,889 |
| Retained earnings to average equity (ytd only) | -20.5838% | 6,860 |
| Net charge-offs to loans | 2.4211% | 262 |
| Credit loss provision to net charge-offs | 49.4505% | 4,717 |
| Earnings coverage of net charge-offs (x) | -0.4334% | 5,653 |
| Efficiency ratio | 122.1492% | 193 |
| Assets per employee ($millions) | 3.3112% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6815% | 942 |
| Loan loss allowance to noncurrent loans | 82.9513% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 3.2414% | 1,424 |
| Noncurrent loans to loans | 3.2326% | 1,599 |
| Net loans and leases to total assets | 58.4103% | 3,897 |
| Net loans and leases to deposits | 65.8602% | 4,307 |
| Net loans and leases to core deposits | 76.6689% | 3,441 |
| Total domestic deposits to total assets | 88.6882% | 1,778 |
| Equity capital to assets | 6.8250% | 6,801 |
| Core capital (leverage) ratio | 6.3735% | 6,814 |
| Tier 1 risk-based capital ratio | 10.3651% | 6,594 |
| Total risk-based capital ratio | 11.6401% | 6,559 |
| Memoranda: | ||
| Average total assets | $497,451,400 | 1,340 |
| Average earning assets | $447,018,600 | 1,357 |
| Average equity | $33,118,200 | 2,079 |
| Average total loans | $308,201,800 | 1,364 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 6,047 |
| Cost of funding earning assets | 1.2522% | 548 |
| Net interest margin | 2.5379% | 6,800 |
| Noninterest income to average assets | 0.8962% | 1,839 |
| Noninterest expense to average assets | 3.6284% | 1,505 |
| Loan and lease loss provision to assets | 0.9058% | 488 |
| Net operating income to assets | -1.3184% | 6,930 |
| Return on assets (ROA) | -1.3184% | 6,950 |
| Pretax return on assets | -1.3540% | 6,934 |
| Return on Equity (ROE) | -19.9045% | 6,988 |
| Retained earnings to average equity (ytd only) | -19.9045% | 6,972 |
| Net charge-offs to loans | 2.7204% | 221 |
| Credit loss provision to net charge-offs | 53.4003% | 4,312 |
| Earnings coverage of net charge-offs (x) | -0.2643% | 5,429 |
| Efficiency ratio | 114.0944% | 243 |
| Assets per employee ($millions) | 3.7865% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6662% | 1,013 |
| Loan loss allowance to noncurrent loans | 64.1527% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 4.4901% | 1,035 |
| Noncurrent loans to loans | 4.1560% | 1,201 |
| Net loans and leases to total assets | 62.6852% | 3,265 |
| Net loans and leases to deposits | 70.1909% | 3,870 |
| Net loans and leases to core deposits | 84.0198% | 2,696 |
| Total domestic deposits to total assets | 89.3067% | 1,237 |
| Equity capital to assets | 7.0461% | 6,871 |
| Core capital (leverage) ratio | 6.2555% | 6,919 |
| Tier 1 risk-based capital ratio | 9.8697% | 6,826 |
| Total risk-based capital ratio | 11.1487% | 6,805 |
| Memoranda: | ||
| Average total assets | $516,682,500 | 1,310 |
| Average earning assets | $464,984,000 | 1,331 |
| Average equity | $34,222,500 | 2,039 |
| Average total loans | $322,152,500 | 1,316 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 6,344 |
| Cost of funding earning assets | 1.2400% | 681 |
| Net interest margin | 2.4563% | 6,924 |
| Noninterest income to average assets | 1.0604% | 1,281 |
| Noninterest expense to average assets | 3.1724% | 2,677 |
| Loan and lease loss provision to assets | 0.7029% | 777 |
| Net operating income to assets | -0.5477% | 6,755 |
| Return on assets (ROA) | -0.5477% | 6,787 |
| Pretax return on assets | -0.5984% | 6,771 |
| Return on Equity (ROE) | -8.4118% | 6,872 |
| Retained earnings to average equity (ytd only) | -8.4118% | 6,785 |
| Net charge-offs to loans | 2.5418% | 273 |
| Credit loss provision to net charge-offs | 44.7436% | 4,154 |
| Earnings coverage of net charge-offs (x) | 0.0665% | 5,047 |
| Efficiency ratio | 96.8122% | 671 |
| Assets per employee ($millions) | 4.0817% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7757% | 966 |
| Loan loss allowance to noncurrent loans | 71.6099% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 4.2425% | 1,179 |
| Noncurrent loans to loans | 3.8761% | 1,436 |
| Net loans and leases to total assets | 58.0144% | 4,157 |
| Net loans and leases to deposits | 65.6960% | 4,538 |
| Net loans and leases to core deposits | 79.5882% | 3,272 |
| Total domestic deposits to total assets | 88.3074% | 1,953 |
| Equity capital to assets | 6.9148% | 6,926 |
| Core capital (leverage) ratio | 6.5896% | 6,910 |
| Tier 1 risk-based capital ratio | 10.3099% | 6,753 |
| Total risk-based capital ratio | 11.5799% | 6,733 |
| Memoranda: | ||
| Average total assets | $543,760,330 | 1,245 |
| Average earning assets | $490,651,670 | 1,254 |
| Average equity | $35,402,670 | 1,953 |
| Average total loans | $336,057,000 | 1,266 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6816% | 6,469 |
| Cost of funding earning assets | 1.2490% | 780 |
| Net interest margin | 2.4326% | 6,992 |
| Noninterest income to average assets | 1.6698% | 530 |
| Noninterest expense to average assets | 2.9147% | 3,566 |
| Loan and lease loss provision to assets | 0.4220% | 1,491 |
| Net operating income to assets | 0.5289% | 4,694 |
| Return on assets (ROA) | 0.5289% | 4,906 |
| Pretax return on assets | 0.5289% | 5,339 |
| Return on Equity (ROE) | 8.3489% | 3,122 |
| Retained earnings to average equity (ytd only) | 8.3489% | 1,841 |
| Net charge-offs to loans | 1.2345% | 825 |
| Credit loss provision to net charge-offs | 54.4959% | 3,210 |
| Earnings coverage of net charge-offs (x) | 1.2280% | 3,722 |
| Efficiency ratio | 75.4003% | 2,865 |
| Assets per employee ($millions) | 4.0830% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1397% | 721 |
| Loan loss allowance to noncurrent loans | 70.0950% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 5.2912% | 960 |
| Noncurrent loans to loans | 4.4792% | 1,310 |
| Net loans and leases to total assets | 60.6826% | 3,516 |
| Net loans and leases to deposits | 68.7717% | 3,914 |
| Net loans and leases to core deposits | 84.0304% | 2,541 |
| Total domestic deposits to total assets | 88.2379% | 2,167 |
| Equity capital to assets | 7.1252% | 6,904 |
| Core capital (leverage) ratio | 6.6977% | 6,929 |
| Tier 1 risk-based capital ratio | 10.0795% | 6,856 |
| Total risk-based capital ratio | 11.3593% | 6,845 |
| Memoranda: | ||
| Average total assets | $568,698,500 | 1,185 |
| Average earning assets | $513,370,500 | 1,200 |
| Average equity | $36,028,500 | 1,926 |
| Average total loans | $356,733,500 | 1,177 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 4,899 |
| Cost of funding earning assets | 1.5319% | 631 |
| Net interest margin | 3.0124% | 6,511 |
| Noninterest income to average assets | 0.7149% | 2,521 |
| Noninterest expense to average assets | 3.1311% | 3,092 |
| Loan and lease loss provision to assets | 1.9216% | 329 |
| Net operating income to assets | -1.6048% | 6,931 |
| Return on assets (ROA) | -1.6045% | 6,952 |
| Pretax return on assets | -1.6045% | 6,920 |
| Return on Equity (ROE) | -24.0559% | 7,038 |
| Retained earnings to average equity (ytd only) | -24.0559% | 7,027 |
| Net charge-offs to loans | 3.1134% | 292 |
| Credit loss provision to net charge-offs | 92.0831% | 3,918 |
| Earnings coverage of net charge-offs (x) | 0.1518% | 5,725 |
| Efficiency ratio | 90.8109% | 1,133 |
| Assets per employee ($millions) | 4.3243% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8632% | 920 |
| Loan loss allowance to noncurrent loans | 84.9254% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 4.2370% | 1,325 |
| Noncurrent loans to loans | 3.3714% | 1,920 |
| Net loans and leases to total assets | 60.9940% | 3,785 |
| Net loans and leases to deposits | 67.7968% | 4,469 |
| Net loans and leases to core deposits | 80.7248% | 3,356 |
| Total domestic deposits to total assets | 89.9659% | 1,015 |
| Equity capital to assets | 5.6923% | 7,115 |
| Core capital (leverage) ratio | 5.4423% | 7,102 |
| Tier 1 risk-based capital ratio | 8.2913% | 7,093 |
| Total risk-based capital ratio | 9.5677% | 7,092 |
| Memoranda: | ||
| Average total assets | $654,912,000 | 989 |
| Average earning assets | $594,174,200 | 990 |
| Average equity | $43,681,600 | 1,550 |
| Average total loans | $438,970,000 | 950 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 4,869 |
| Cost of funding earning assets | 1.5633% | 679 |
| Net interest margin | 3.0350% | 6,513 |
| Noninterest income to average assets | 0.6734% | 2,750 |
| Noninterest expense to average assets | 3.0520% | 3,344 |
| Loan and lease loss provision to assets | 1.4006% | 517 |
| Net operating income to assets | -1.0261% | 6,894 |
| Return on assets (ROA) | -1.0257% | 6,924 |
| Pretax return on assets | -1.0257% | 6,886 |
| Return on Equity (ROE) | -14.8628% | 7,012 |
| Retained earnings to average equity (ytd only) | -14.8628% | 6,987 |
| Net charge-offs to loans | 2.0478% | 609 |
| Credit loss provision to net charge-offs | 100.5350% | 3,345 |
| Earnings coverage of net charge-offs (x) | 0.2688% | 5,397 |
| Efficiency ratio | 89.0711% | 1,239 |
| Assets per employee ($millions) | 4.3099% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8802% | 954 |
| Loan loss allowance to noncurrent loans | 57.2009% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 5.6275% | 978 |
| Noncurrent loans to loans | 5.0353% | 1,231 |
| Net loans and leases to total assets | 64.6345% | 3,180 |
| Net loans and leases to deposits | 72.7807% | 3,836 |
| Net loans and leases to core deposits | 87.7192% | 2,526 |
| Total domestic deposits to total assets | 88.8073% | 1,540 |
| Equity capital to assets | 6.3968% | 7,147 |
| Core capital (leverage) ratio | 6.1215% | 7,119 |
| Tier 1 risk-based capital ratio | 8.7205% | 7,142 |
| Total risk-based capital ratio | 9.9982% | 7,143 |
| Memoranda: | ||
| Average total assets | $661,884,500 | 984 |
| Average earning assets | $600,405,250 | 985 |
| Average equity | $45,679,000 | 1,485 |
| Average total loans | $450,282,750 | 946 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 4,883 |
| Cost of funding earning assets | 1.5965% | 700 |
| Net interest margin | 3.0251% | 6,564 |
| Noninterest income to average assets | 1.0719% | 1,145 |
| Noninterest expense to average assets | 2.9864% | 3,695 |
| Loan and lease loss provision to assets | 0.3673% | 2,595 |
| Net operating income to assets | 0.4624% | 4,667 |
| Return on assets (ROA) | 0.4624% | 4,800 |
| Pretax return on assets | 0.4624% | 5,184 |
| Return on Equity (ROE) | 6.5449% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.5449% | 2,115 |
| Net charge-offs to loans | 1.7988% | 776 |
| Credit loss provision to net charge-offs | 29.8054% | 4,995 |
| Earnings coverage of net charge-offs (x) | 0.6732% | 4,787 |
| Efficiency ratio | 78.2588% | 2,670 |
| Assets per employee ($millions) | 4.3560% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1462% | 2,016 |
| Loan loss allowance to noncurrent loans | 44.1801% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 5.3581% | 1,114 |
| Noncurrent loans to loans | 4.8578% | 1,357 |
| Net loans and leases to total assets | 65.6446% | 3,109 |
| Net loans and leases to deposits | 74.1583% | 3,785 |
| Net loans and leases to core deposits | 88.5222% | 2,559 |
| Total domestic deposits to total assets | 88.5195% | 1,839 |
| Equity capital to assets | 7.3159% | 7,028 |
| Core capital (leverage) ratio | 7.0356% | 6,987 |
| Tier 1 risk-based capital ratio | 9.8783% | 7,013 |
| Total risk-based capital ratio | 11.1515% | 7,006 |
| Memoranda: | ||
| Average total assets | $667,018,000 | 988 |
| Average earning assets | $605,065,000 | 985 |
| Average equity | $47,120,670 | 1,436 |
| Average total loans | $456,962,330 | 949 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 4,723 |
| Cost of funding earning assets | 1.6428% | 692 |
| Net interest margin | 3.0125% | 6,549 |
| Noninterest income to average assets | 0.9249% | 1,565 |
| Noninterest expense to average assets | 2.7907% | 4,483 |
| Loan and lease loss provision to assets | 0.4091% | 2,146 |
| Net operating income to assets | 0.4574% | 4,677 |
| Return on assets (ROA) | 0.4574% | 4,765 |
| Pretax return on assets | 0.4586% | 5,155 |
| Return on Equity (ROE) | 6.5894% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.5894% | 2,332 |
| Net charge-offs to loans | 0.3571% | 2,632 |
| Credit loss provision to net charge-offs | 165.5422% | 1,754 |
| Earnings coverage of net charge-offs (x) | 3.5108% | 2,720 |
| Efficiency ratio | 76.2819% | 3,112 |
| Assets per employee ($millions) | 4.3091% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8137% | 1,096 |
| Loan loss allowance to noncurrent loans | 47.7608% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 6.1077% | 932 |
| Noncurrent loans to loans | 5.8911% | 1,088 |
| Net loans and leases to total assets | 65.7246% | 3,086 |
| Net loans and leases to deposits | 73.5435% | 3,837 |
| Net loans and leases to core deposits | 89.2017% | 2,456 |
| Total domestic deposits to total assets | 89.3683% | 1,553 |
| Equity capital to assets | 7.0793% | 7,060 |
| Core capital (leverage) ratio | 6.8195% | 7,074 |
| Tier 1 risk-based capital ratio | 9.6364% | 7,115 |
| Total risk-based capital ratio | 10.9181% | 7,117 |
| Memoranda: | ||
| Average total assets | $671,649,000 | 996 |
| Average earning assets | $609,457,500 | 992 |
| Average equity | $46,620,500 | 1,441 |
| Average total loans | $464,818,000 | 941 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 4,490 |
| Cost of funding earning assets | 1.7623% | 1,329 |
| Net interest margin | 3.2520% | 6,125 |
| Noninterest income to average assets | 0.1293% | 6,751 |
| Noninterest expense to average assets | 2.6100% | 5,374 |
| Loan and lease loss provision to assets | 2.1063% | 610 |
| Net operating income to assets | -2.3355% | 7,147 |
| Return on assets (ROA) | -2.3355% | 7,157 |
| Pretax return on assets | -1.6276% | 6,903 |
| Return on Equity (ROE) | -29.2879% | 7,217 |
| Retained earnings to average equity (ytd only) | -29.2879% | 7,205 |
| Net charge-offs to loans | 2.1931% | 893 |
| Credit loss provision to net charge-offs | 135.6437% | 2,858 |
| Earnings coverage of net charge-offs (x) | 0.3082% | 5,798 |
| Efficiency ratio | 84.5037% | 1,860 |
| Assets per employee ($millions) | 4.4136% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5694% | 1,321 |
| Loan loss allowance to noncurrent loans | 59.6111% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 4.9416% | 1,299 |
| Noncurrent loans to loans | 4.3102% | 1,675 |
| Net loans and leases to total assets | 68.9285% | 2,763 |
| Net loans and leases to deposits | 77.6938% | 3,559 |
| Net loans and leases to core deposits | 96.0301% | 2,010 |
| Total domestic deposits to total assets | 88.7182% | 1,813 |
| Equity capital to assets | 6.8064% | 7,172 |
| Core capital (leverage) ratio | 6.3842% | 7,218 |
| Tier 1 risk-based capital ratio | 8.7571% | 7,285 |
| Total risk-based capital ratio | 10.0323% | 7,293 |
| Memoranda: | ||
| Average total assets | $729,400,400 | 917 |
| Average earning assets | $663,738,200 | 920 |
| Average equity | $58,164,000 | 1,144 |
| Average total loans | $516,447,600 | 873 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 4,880 |
| Cost of funding earning assets | 1.7587% | 1,594 |
| Net interest margin | 3.2289% | 6,255 |
| Noninterest income to average assets | 0.8943% | 1,819 |
| Noninterest expense to average assets | 2.5522% | 5,505 |
| Loan and lease loss provision to assets | 2.0687% | 564 |
| Net operating income to assets | -1.4670% | 7,100 |
| Return on assets (ROA) | -1.4670% | 7,116 |
| Pretax return on assets | -0.7874% | 6,731 |
| Return on Equity (ROE) | -17.7994% | 7,174 |
| Retained earnings to average equity (ytd only) | -17.7994% | 7,155 |
| Net charge-offs to loans | 2.4321% | 705 |
| Credit loss provision to net charge-offs | 120.1085% | 3,434 |
| Earnings coverage of net charge-offs (x) | 0.7439% | 5,320 |
| Efficiency ratio | 66.5760% | 4,735 |
| Assets per employee ($millions) | 4.6051% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0471% | 2,106 |
| Loan loss allowance to noncurrent loans | 48.9442% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 5.6385% | 1,083 |
| Noncurrent loans to loans | 4.1825% | 1,752 |
| Net loans and leases to total assets | 69.5754% | 2,835 |
| Net loans and leases to deposits | 78.9057% | 3,647 |
| Net loans and leases to core deposits | 99.7369% | 1,876 |
| Total domestic deposits to total assets | 88.1755% | 1,866 |
| Equity capital to assets | 7.8625% | 6,890 |
| Core capital (leverage) ratio | 7.4381% | 6,891 |
| Tier 1 risk-based capital ratio | 9.8609% | 7,132 |
| Total risk-based capital ratio | 11.1363% | 7,111 |
| Memoranda: | ||
| Average total assets | $741,826,250 | 913 |
| Average earning assets | $675,259,500 | 910 |
| Average equity | $61,139,250 | 1,097 |
| Average total loans | $525,344,500 | 858 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 5,216 |
| Cost of funding earning assets | 1.7179% | 2,027 |
| Net interest margin | 3.2243% | 6,243 |
| Noninterest income to average assets | 0.8631% | 1,826 |
| Noninterest expense to average assets | 2.4602% | 5,875 |
| Loan and lease loss provision to assets | 0.9016% | 1,620 |
| Net operating income to assets | 0.4065% | 4,725 |
| Return on assets (ROA) | 0.4065% | 4,888 |
| Pretax return on assets | 0.4436% | 5,083 |
| Return on Equity (ROE) | 4.8626% | 4,354 |
| Retained earnings to average equity (ytd only) | 4.8626% | 2,975 |
| Net charge-offs to loans | 0.8770% | 2,077 |
| Credit loss provision to net charge-offs | 145.2991% | 2,734 |
| Earnings coverage of net charge-offs (x) | 2.1679% | 3,934 |
| Efficiency ratio | 64.6505% | 5,217 |
| Assets per employee ($millions) | 4.5985% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 2,660 |
| Loan loss allowance to noncurrent loans | 72.3053% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 4.2652% | 1,568 |
| Noncurrent loans to loans | 2.5206% | 3,135 |
| Net loans and leases to total assets | 69.9740% | 2,903 |
| Net loans and leases to deposits | 81.0387% | 3,422 |
| Net loans and leases to core deposits | 104.8043% | 1,557 |
| Total domestic deposits to total assets | 86.3464% | 2,907 |
| Equity capital to assets | 9.0341% | 5,395 |
| Core capital (leverage) ratio | 8.5966% | 5,241 |
| Tier 1 risk-based capital ratio | 11.3125% | 5,931 |
| Total risk-based capital ratio | 12.5664% | 5,912 |
| Memoranda: | ||
| Average total assets | $754,240,000 | 898 |
| Average earning assets | $688,280,330 | 900 |
| Average equity | $63,053,000 | 1,058 |
| Average total loans | $533,638,330 | 856 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 5,723 |
| Cost of funding earning assets | 1.6976% | 2,402 |
| Net interest margin | 3.1429% | 6,480 |
| Noninterest income to average assets | 0.8245% | 1,913 |
| Noninterest expense to average assets | 2.3111% | 6,346 |
| Loan and lease loss provision to assets | 0.4673% | 2,633 |
| Net operating income to assets | 0.6916% | 3,475 |
| Return on assets (ROA) | 0.6916% | 3,591 |
| Pretax return on assets | 0.9310% | 3,341 |
| Return on Equity (ROE) | 8.5979% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.5979% | 1,508 |
| Net charge-offs to loans | 0.1362% | 4,130 |
| Credit loss provision to net charge-offs | 486.4865% | 873 |
| Earnings coverage of net charge-offs (x) | 14.5568% | 1,424 |
| Efficiency ratio | 62.3040% | 5,775 |
| Assets per employee ($millions) | 4.7035% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 3,122 |
| Loan loss allowance to noncurrent loans | 47.1623% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 3.9542% | 1,745 |
| Noncurrent loans to loans | 3.5723% | 2,235 |
| Net loans and leases to total assets | 70.4841% | 2,803 |
| Net loans and leases to deposits | 83.1424% | 3,084 |
| Net loans and leases to core deposits | 113.5569% | 1,061 |
| Total domestic deposits to total assets | 84.7751% | 3,770 |
| Equity capital to assets | 8.3727% | 6,192 |
| Core capital (leverage) ratio | 7.9149% | 6,364 |
| Tier 1 risk-based capital ratio | 10.4500% | 6,676 |
| Total risk-based capital ratio | 11.7026% | 6,670 |
| Memoranda: | ||
| Average total assets | $770,381,500 | 900 |
| Average earning assets | $707,126,500 | 890 |
| Average equity | $61,968,500 | 1,078 |
| Average total loans | $543,177,500 | 864 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 6,039 |
| Cost of funding earning assets | 2.1200% | 2,365 |
| Net interest margin | 2.9914% | 6,670 |
| Noninterest income to average assets | 0.7959% | 2,423 |
| Noninterest expense to average assets | 2.6177% | 5,720 |
| Loan and lease loss provision to assets | 0.7394% | 2,894 |
| Net operating income to assets | 0.1331% | 5,099 |
| Return on assets (ROA) | 0.1331% | 5,163 |
| Pretax return on assets | 0.1899% | 5,028 |
| Return on Equity (ROE) | 1.6701% | 5,032 |
| Retained earnings to average equity (ytd only) | -4.0051% | 5,860 |
| Net charge-offs to loans | 0.5608% | 3,537 |
| Credit loss provision to net charge-offs | 182.2555% | 2,262 |
| Earnings coverage of net charge-offs (x) | 2.2905% | 4,010 |
| Efficiency ratio | 67.1392% | 5,156 |
| Assets per employee ($millions) | 4.8945% | 2,349 |
| Cash dividends to net income (ytd only)* | 339.8058% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 3,657 |
| Loan loss allowance to noncurrent loans | 34.9878% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 3.8550% | 1,726 |
| Noncurrent loans to loans | 4.3210% | 1,667 |
| Net loans and leases to total assets | 68.3415% | 3,630 |
| Net loans and leases to deposits | 80.1441% | 3,962 |
| Net loans and leases to core deposits | 109.5885% | 2,947 |
| Total domestic deposits to total assets | 85.2732% | 3,422 |
| Equity capital to assets | 7.7337% | 6,827 |
| Core capital (leverage) ratio | 7.4001% | 6,885 |
| Tier 1 risk-based capital ratio | 9.9340% | 6,933 |
| Total risk-based capital ratio | 11.1857% | 6,903 |
| Memoranda: | ||
| Average total assets | $773,708,200 | 885 |
| Average earning assets | $711,551,200 | 877 |
| Average equity | $61,671,600 | 1,073 |
| Average total loans | $559,784,800 | 858 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 5,967 |
| Cost of funding earning assets | 2.1997% | 2,419 |
| Net interest margin | 2.9788% | 6,663 |
| Noninterest income to average assets | 0.8452% | 2,222 |
| Noninterest expense to average assets | 2.7514% | 5,103 |
| Loan and lease loss provision to assets | 0.7904% | 2,390 |
| Net operating income to assets | -0.0127% | 5,729 |
| Return on assets (ROA) | -0.0127% | 5,791 |
| Pretax return on assets | 0.0409% | 5,627 |
| Return on Equity (ROE) | -0.1576% | 5,802 |
| Retained earnings to average equity (ytd only) | -7.7136% | 6,566 |
| Net charge-offs to loans | 0.3007% | 4,147 |
| Credit loss provision to net charge-offs | 359.4637% | 1,138 |
| Earnings coverage of net charge-offs (x) | 3.7808% | 3,388 |
| Efficiency ratio | 67.9493% | 4,990 |
| Assets per employee ($millions) | 4.5455% | 2,786 |
| Cash dividends to net income (ytd only)* | -4,794.5649% | 8,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 2,917 |
| Loan loss allowance to noncurrent loans | 43.8113% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 3.6411% | 1,807 |
| Noncurrent loans to loans | 3.6959% | 2,019 |
| Net loans and leases to total assets | 73.1194% | 2,758 |
| Net loans and leases to deposits | 87.7114% | 3,021 |
| Net loans and leases to core deposits | 118.0478% | 2,407 |
| Total domestic deposits to total assets | 83.3636% | 4,033 |
| Equity capital to assets | 8.0564% | 6,795 |
| Core capital (leverage) ratio | 7.5987% | 6,862 |
| Tier 1 risk-based capital ratio | 9.5402% | 7,341 |
| Total risk-based capital ratio | 10.7930% | 7,300 |
| Memoranda: | ||
| Average total assets | $768,909,750 | 903 |
| Average earning assets | $706,616,000 | 895 |
| Average equity | $61,759,250 | 1,090 |
| Average total loans | $562,181,250 | 868 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 6,257 |
| Cost of funding earning assets | 2.2992% | 2,357 |
| Net interest margin | 2.8495% | 6,916 |
| Noninterest income to average assets | 0.9032% | 1,975 |
| Noninterest expense to average assets | 2.9626% | 4,239 |
| Loan and lease loss provision to assets | 1.0165% | 1,664 |
| Net operating income to assets | -0.3578% | 6,407 |
| Return on assets (ROA) | -0.3578% | 6,414 |
| Pretax return on assets | -0.4572% | 6,376 |
| Return on Equity (ROE) | -4.4595% | 6,543 |
| Retained earnings to average equity (ytd only) | -9.2823% | 6,795 |
| Net charge-offs to loans | 0.3768% | 3,311 |
| Credit loss provision to net charge-offs | 370.9981% | 1,251 |
| Earnings coverage of net charge-offs (x) | 2.0414% | 4,064 |
| Efficiency ratio | 70.7274% | 4,636 |
| Assets per employee ($millions) | 4.5063% | 2,763 |
| Cash dividends to net income (ytd only)* | -108.1471% | 8,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 2,987 |
| Loan loss allowance to noncurrent loans | 34.0461% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 3.7325% | 1,643 |
| Noncurrent loans to loans | 4.5214% | 1,420 |
| Net loans and leases to total assets | 73.2131% | 2,907 |
| Net loans and leases to deposits | 90.7576% | 2,707 |
| Net loans and leases to core deposits | 115.8533% | 2,724 |
| Total domestic deposits to total assets | 80.6688% | 5,205 |
| Equity capital to assets | 8.0756% | 6,657 |
| Core capital (leverage) ratio | 7.5083% | 6,999 |
| Tier 1 risk-based capital ratio | 9.6304% | 7,291 |
| Total risk-based capital ratio | 10.8824% | 7,241 |
| Memoranda: | ||
| Average total assets | $775,208,670 | 907 |
| Average earning assets | $712,408,000 | 901 |
| Average equity | $62,204,330 | 1,096 |
| Average total loans | $563,764,670 | 888 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 6,874 |
| Cost of funding earning assets | 2.4317% | 2,172 |
| Net interest margin | 2.5922% | 7,376 |
| Noninterest income to average assets | 0.8157% | 2,253 |
| Noninterest expense to average assets | 2.2692% | 6,634 |
| Loan and lease loss provision to assets | 0.4068% | 2,885 |
| Net operating income to assets | 0.4252% | 4,762 |
| Return on assets (ROA) | 0.4252% | 4,936 |
| Pretax return on assets | 0.5126% | 5,051 |
| Return on Equity (ROE) | 5.3147% | 4,323 |
| Retained earnings to average equity (ytd only) | -4.2212% | 6,450 |
| Net charge-offs to loans | 0.5676% | 2,045 |
| Credit loss provision to net charge-offs | 99.6264% | 3,809 |
| Earnings coverage of net charge-offs (x) | 2.2516% | 3,610 |
| Efficiency ratio | 71.1643% | 4,331 |
| Assets per employee ($millions) | 4.8871% | 2,199 |
| Cash dividends to net income (ytd only)* | 179.4258% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,093 |
| Loan loss allowance to noncurrent loans | 27.1500% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 2.9925% | 1,888 |
| Noncurrent loans to loans | 3.7312% | 1,664 |
| Net loans and leases to total assets | 69.8945% | 3,695 |
| Net loans and leases to deposits | 84.4884% | 3,898 |
| Net loans and leases to core deposits | 105.3540% | 3,987 |
| Total domestic deposits to total assets | 82.7267% | 4,275 |
| Equity capital to assets | 7.8423% | 7,012 |
| Core capital (leverage) ratio | 7.5228% | 7,130 |
| Tier 1 risk-based capital ratio | 9.4771% | 7,447 |
| Total risk-based capital ratio | 10.3941% | 7,711 |
| Memoranda: | ||
| Average total assets | $786,537,000 | 890 |
| Average earning assets | $720,002,000 | 889 |
| Average equity | $62,920,000 | 1,078 |
| Average total loans | $565,856,500 | 883 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0831% | 5,127 |
| Cost of funding earning assets | 3.2602% | 1,021 |
| Net interest margin | 2.8229% | 7,291 |
| Noninterest income to average assets | 0.8827% | 2,044 |
| Noninterest expense to average assets | 2.4342% | 6,283 |
| Loan and lease loss provision to assets | 0.4885% | 2,862 |
| Net operating income to assets | 0.3979% | 5,155 |
| Return on assets (ROA) | 0.3979% | 4,967 |
| Pretax return on assets | 0.4737% | 5,060 |
| Return on Equity (ROE) | 4.8117% | 4,467 |
| Retained earnings to average equity (ytd only) | 2.5954% | 3,575 |
| Net charge-offs to loans | 0.5582% | 2,145 |
| Credit loss provision to net charge-offs | 123.2956% | 4,356 |
| Earnings coverage of net charge-offs (x) | 2.4286% | 4,862 |
| Efficiency ratio | 71.6678% | 4,001 |
| Assets per employee ($millions) | 4.7048% | 2,315 |
| Cash dividends to net income (ytd only)* | 46.0594% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 5,897 |
| Loan loss allowance to noncurrent loans | 64.4133% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3571% | 3,489 |
| Noncurrent loans to loans | 1.5739% | 3,419 |
| Net loans and leases to total assets | 72.5840% | 3,468 |
| Net loans and leases to deposits | 84.1139% | 4,408 |
| Net loans and leases to core deposits | 104.1704% | 4,376 |
| Total domestic deposits to total assets | 86.2926% | 2,266 |
| Equity capital to assets | 8.1631% | 6,612 |
| Core capital (leverage) ratio | 7.7039% | 6,920 |
| Tier 1 risk-based capital ratio | 9.2619% | 7,558 |
| Total risk-based capital ratio | 10.1489% | 7,873 |
| Memoranda: | ||
| Average total assets | $736,684,000 | 910 |
| Average earning assets | $655,999,200 | 925 |
| Average equity | $60,914,600 | 1,104 |
| Average total loans | $522,886,200 | 904 |