Home > Optima Bank & Trust Company > Performance and Condition Ratios
Optima Bank & Trust Company, 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 | 4.2606% | 3,674 |
| Cost of funding earning assets | 1.3822% | 488 |
| Net interest margin | 2.8784% | 4,904 |
| Noninterest income to average assets | 0.1996% | 4,565 |
| Noninterest expense to average assets | 2.3368% | 3,935 |
| Loan and lease loss provision to assets | 0.0525% | 2,610 |
| Net operating income to assets | 0.4683% | 4,603 |
| Return on assets (ROA) | 0.4683% | 4,625 |
| Pretax return on assets | 0.5966% | 4,522 |
| Return on Equity (ROE) | 7.0632% | 3,651 |
| Retained earnings to average equity (ytd only) | 7.0632% | 2,010 |
| Net charge-offs to loans | -0.0051% | 4,035 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2609% | 1,239 |
| Assets per employee ($millions) | 7.3214% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6846% | 4,799 |
| Loan loss allowance to noncurrent loans | 481.7507% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 4,166 |
| Noncurrent loans to loans | 0.1421% | 4,107 |
| Net loans and leases to total assets | 88.1277% | 94 |
| Net loans and leases to deposits | 99.8277% | 651 |
| Net loans and leases to core deposits | 119.4053% | 544 |
| Total domestic deposits to total assets | 88.2798% | 1,202 |
| Equity capital to assets | 6.6777% | 5,325 |
| Core capital (leverage) ratio | 6.6826% | 5,332 |
| Tier 1 risk-based capital ratio | 10.2759% | 5,228 |
| Total risk-based capital ratio | 11.2155% | 5,245 |
| Memoranda: | ||
| Average total assets | $533,029,000 | 1,357 |
| Average earning assets | $515,978,500 | 1,305 |
| Average equity | $35,338,000 | 2,123 |
| Average total loans | $468,132,500 | 1,141 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 3,641 |
| Cost of funding earning assets | 1.1975% | 351 |
| Net interest margin | 2.9364% | 4,869 |
| Noninterest income to average assets | 0.2387% | 4,488 |
| Noninterest expense to average assets | 2.3547% | 3,984 |
| Loan and lease loss provision to assets | 0.0480% | 3,221 |
| Net operating income to assets | 0.4896% | 4,684 |
| Return on assets (ROA) | 0.5023% | 4,660 |
| Pretax return on assets | 0.6976% | 4,422 |
| Return on Equity (ROE) | 7.8814% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.8814% | 1,288 |
| Net charge-offs to loans | 0.0341% | 2,719 |
| Credit loss provision to net charge-offs | 162.9139% | 1,702 |
| Earnings coverage of net charge-offs (x) | 24.7815% | 1,796 |
| Efficiency ratio | 76.3449% | 1,310 |
| Assets per employee ($millions) | 6.2540% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 4,826 |
| Loan loss allowance to noncurrent loans | 442.7374% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 4,149 |
| Noncurrent loans to loans | 0.1550% | 4,044 |
| Net loans and leases to total assets | 86.3134% | 222 |
| Net loans and leases to deposits | 92.7024% | 1,437 |
| Net loans and leases to core deposits | 116.5274% | 671 |
| Total domestic deposits to total assets | 93.1081% | 32 |
| Equity capital to assets | 6.5813% | 5,359 |
| Core capital (leverage) ratio | 6.6388% | 5,370 |
| Tier 1 risk-based capital ratio | 10.1933% | 5,258 |
| Total risk-based capital ratio | 11.1297% | 5,289 |
| Memoranda: | ||
| Average total assets | $512,879,000 | 1,372 |
| Average earning assets | $497,043,600 | 1,320 |
| Average equity | $32,684,600 | 2,172 |
| Average total loans | $442,903,400 | 1,159 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,724 |
| Cost of funding earning assets | 1.1532% | 320 |
| Net interest margin | 2.9193% | 4,949 |
| Noninterest income to average assets | 0.2558% | 4,443 |
| Noninterest expense to average assets | 2.3683% | 3,932 |
| Loan and lease loss provision to assets | 0.0763% | 2,432 |
| Net operating income to assets | 0.4574% | 4,842 |
| Return on assets (ROA) | 0.4746% | 4,815 |
| Pretax return on assets | 0.6622% | 4,618 |
| Return on Equity (ROE) | 7.5117% | 3,744 |
| Retained earnings to average equity (ytd only) | 7.5117% | 1,882 |
| Net charge-offs to loans | 0.0283% | 2,531 |
| Credit loss provision to net charge-offs | 312.9032% | 988 |
| Earnings coverage of net charge-offs (x) | 29.3756% | 1,635 |
| Efficiency ratio | 76.7667% | 1,261 |
| Assets per employee ($millions) | 6.8075% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7030% | 4,870 |
| Loan loss allowance to noncurrent loans | 392.4460% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 4,163 |
| Noncurrent loans to loans | 0.1791% | 4,087 |
| Net loans and leases to total assets | 88.1973% | 136 |
| Net loans and leases to deposits | 94.6300% | 1,309 |
| Net loans and leases to core deposits | 114.0754% | 812 |
| Total domestic deposits to total assets | 93.2023% | 27 |
| Equity capital to assets | 6.2889% | 5,436 |
| Core capital (leverage) ratio | 6.5562% | 5,443 |
| Tier 1 risk-based capital ratio | 9.1755% | 5,450 |
| Total risk-based capital ratio | 10.0927% | 5,456 |
| Memoranda: | ||
| Average total assets | $508,200,250 | 1,392 |
| Average earning assets | $492,524,250 | 1,337 |
| Average equity | $32,109,250 | 2,212 |
| Average total loans | $438,127,500 | 1,167 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 3,670 |
| Cost of funding earning assets | 1.0774% | 321 |
| Net interest margin | 2.9566% | 4,935 |
| Noninterest income to average assets | 0.2812% | 4,302 |
| Noninterest expense to average assets | 2.4042% | 3,887 |
| Loan and lease loss provision to assets | 0.0581% | 2,742 |
| Net operating income to assets | 0.4874% | 4,773 |
| Return on assets (ROA) | 0.5134% | 4,725 |
| Pretax return on assets | 0.7179% | 4,466 |
| Return on Equity (ROE) | 8.1134% | 3,452 |
| Retained earnings to average equity (ytd only) | 8.1134% | 1,576 |
| Net charge-offs to loans | 0.0065% | 2,906 |
| Credit loss provision to net charge-offs | 1,042.8571% | 391 |
| Earnings coverage of net charge-offs (x) | 133.4286% | 570 |
| Efficiency ratio | 76.3933% | 1,377 |
| Assets per employee ($millions) | 6.4598% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,876 |
| Loan loss allowance to noncurrent loans | 210.1573% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 3,564 |
| Noncurrent loans to loans | 0.3454% | 3,459 |
| Net loans and leases to total assets | 85.9346% | 272 |
| Net loans and leases to deposits | 92.4773% | 1,524 |
| Net loans and leases to core deposits | 122.5482% | 500 |
| Total domestic deposits to total assets | 92.9251% | 36 |
| Equity capital to assets | 6.3466% | 5,495 |
| Core capital (leverage) ratio | 6.6372% | 5,498 |
| Tier 1 risk-based capital ratio | 9.5357% | 5,491 |
| Total risk-based capital ratio | 10.4853% | 5,499 |
| Memoranda: | ||
| Average total assets | $502,875,000 | 1,405 |
| Average earning assets | $487,455,670 | 1,346 |
| Average equity | $31,824,000 | 2,233 |
| Average total loans | $428,976,000 | 1,186 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 3,310 |
| Cost of funding earning assets | 1.0254% | 325 |
| Net interest margin | 3.0530% | 4,791 |
| Noninterest income to average assets | 0.3590% | 3,740 |
| Noninterest expense to average assets | 2.4337% | 3,849 |
| Loan and lease loss provision to assets | 0.0529% | 2,716 |
| Net operating income to assets | 0.5940% | 4,439 |
| Return on assets (ROA) | 0.6066% | 4,413 |
| Pretax return on assets | 0.8494% | 4,012 |
| Return on Equity (ROE) | 9.5999% | 2,634 |
| Retained earnings to average equity (ytd only) | 9.5999% | 1,284 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3044% | 1,999 |
| Assets per employee ($millions) | 6.4410% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 4,945 |
| Loan loss allowance to noncurrent loans | 315.9960% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 4,090 |
| Noncurrent loans to loans | 0.2340% | 3,933 |
| Net loans and leases to total assets | 83.9407% | 444 |
| Net loans and leases to deposits | 90.9496% | 1,567 |
| Net loans and leases to core deposits | 135.0052% | 272 |
| Total domestic deposits to total assets | 92.2936% | 79 |
| Equity capital to assets | 6.3342% | 5,553 |
| Core capital (leverage) ratio | 6.6031% | 5,552 |
| Tier 1 risk-based capital ratio | 9.6757% | 5,541 |
| Total risk-based capital ratio | 10.6338% | 5,553 |
| Memoranda: | ||
| Average total assets | $499,150,500 | 1,427 |
| Average earning assets | $484,107,500 | 1,370 |
| Average equity | $31,542,000 | 2,268 |
| Average total loans | $422,588,000 | 1,212 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 3,814 |
| Cost of funding earning assets | 0.8562% | 464 |
| Net interest margin | 3.0157% | 4,852 |
| Noninterest income to average assets | 0.2397% | 4,699 |
| Noninterest expense to average assets | 2.4294% | 3,991 |
| Loan and lease loss provision to assets | 0.0941% | 2,322 |
| Net operating income to assets | 0.4084% | 4,660 |
| Return on assets (ROA) | 0.4143% | 4,670 |
| Pretax return on assets | 0.6491% | 4,633 |
| Return on Equity (ROE) | 6.2773% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.2773% | 1,392 |
| Net charge-offs to loans | 0.0018% | 4,053 |
| Credit loss provision to net charge-offs | 6,114.2857% | 60 |
| Earnings coverage of net charge-offs (x) | 476.8571% | 182 |
| Efficiency ratio | 76.7969% | 1,514 |
| Assets per employee ($millions) | 6.3577% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 4,998 |
| Loan loss allowance to noncurrent loans | 259.7128% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,946 |
| Noncurrent loans to loans | 0.2817% | 3,774 |
| Net loans and leases to total assets | 84.1382% | 433 |
| Net loans and leases to deposits | 91.0008% | 1,649 |
| Net loans and leases to core deposits | 135.2770% | 266 |
| Total domestic deposits to total assets | 92.4588% | 51 |
| Equity capital to assets | 6.3039% | 5,624 |
| Core capital (leverage) ratio | 6.6559% | 5,616 |
| Tier 1 risk-based capital ratio | 9.3510% | 5,614 |
| Total risk-based capital ratio | 10.2825% | 5,622 |
| Memoranda: | ||
| Average total assets | $454,757,400 | 1,532 |
| Average earning assets | $440,894,200 | 1,465 |
| Average equity | $30,013,000 | 2,355 |
| Average total loans | $383,126,400 | 1,279 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 3,805 |
| Cost of funding earning assets | 0.8233% | 505 |
| Net interest margin | 3.0346% | 4,844 |
| Noninterest income to average assets | 0.2553% | 4,679 |
| Noninterest expense to average assets | 2.4775% | 3,806 |
| Loan and lease loss provision to assets | 0.0789% | 2,508 |
| Net operating income to assets | 0.4110% | 4,974 |
| Return on assets (ROA) | 0.4191% | 4,988 |
| Pretax return on assets | 0.6524% | 4,720 |
| Return on Equity (ROE) | 6.2712% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.2712% | 2,076 |
| Net charge-offs to loans | 0.0050% | 3,552 |
| Credit loss provision to net charge-offs | 1,878.5714% | 212 |
| Earnings coverage of net charge-offs (x) | 171.1082% | 494 |
| Efficiency ratio | 77.5129% | 1,396 |
| Assets per employee ($millions) | 6.6208% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7304% | 5,073 |
| Loan loss allowance to noncurrent loans | 192.2517% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 3,779 |
| Noncurrent loans to loans | 0.3799% | 3,588 |
| Net loans and leases to total assets | 83.9336% | 437 |
| Net loans and leases to deposits | 91.3211% | 1,648 |
| Net loans and leases to core deposits | 119.9317% | 590 |
| Total domestic deposits to total assets | 91.9104% | 66 |
| Equity capital to assets | 6.5032% | 5,690 |
| Core capital (leverage) ratio | 6.8375% | 5,679 |
| Tier 1 risk-based capital ratio | 9.5735% | 5,667 |
| Total risk-based capital ratio | 10.4958% | 5,682 |
| Memoranda: | ||
| Average total assets | $444,471,250 | 1,575 |
| Average earning assets | $430,751,250 | 1,514 |
| Average equity | $29,701,000 | 2,394 |
| Average total loans | $373,828,500 | 1,314 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 3,768 |
| Cost of funding earning assets | 0.7967% | 533 |
| Net interest margin | 3.0403% | 4,816 |
| Noninterest income to average assets | 0.2404% | 4,801 |
| Noninterest expense to average assets | 2.5311% | 3,655 |
| Loan and lease loss provision to assets | 0.1207% | 1,713 |
| Net operating income to assets | 0.3421% | 5,123 |
| Return on assets (ROA) | 0.3427% | 5,141 |
| Pretax return on assets | 0.5345% | 4,945 |
| Return on Equity (ROE) | 5.0797% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.0797% | 2,660 |
| Net charge-offs to loans | 0.0077% | 3,180 |
| Credit loss provision to net charge-offs | 1,878.5714% | 224 |
| Earnings coverage of net charge-offs (x) | 101.8571% | 647 |
| Efficiency ratio | 79.4613% | 1,276 |
| Assets per employee ($millions) | 5.9021% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 5,081 |
| Loan loss allowance to noncurrent loans | 163.8262% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,502 |
| Noncurrent loans to loans | 0.4586% | 3,371 |
| Net loans and leases to total assets | 86.6329% | 233 |
| Net loans and leases to deposits | 94.6643% | 1,210 |
| Net loans and leases to core deposits | 119.3018% | 583 |
| Total domestic deposits to total assets | 91.5160% | 130 |
| Equity capital to assets | 6.7576% | 5,723 |
| Core capital (leverage) ratio | 6.9480% | 5,716 |
| Tier 1 risk-based capital ratio | 9.6089% | 5,695 |
| Total risk-based capital ratio | 10.5550% | 5,715 |
| Memoranda: | ||
| Average total assets | $435,937,000 | 1,604 |
| Average earning assets | $422,263,330 | 1,540 |
| Average equity | $29,411,330 | 2,415 |
| Average total loans | $365,953,670 | 1,335 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,151 |
| Cost of funding earning assets | 0.7851% | 538 |
| Net interest margin | 2.9008% | 5,083 |
| Noninterest income to average assets | 0.2404% | 4,814 |
| Noninterest expense to average assets | 2.5170% | 3,758 |
| Loan and lease loss provision to assets | 0.1757% | 1,002 |
| Net operating income to assets | 0.2321% | 5,342 |
| Return on assets (ROA) | 0.2321% | 5,353 |
| Pretax return on assets | 0.3560% | 5,231 |
| Return on Equity (ROE) | 3.4430% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.4430% | 3,715 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5599% | 1,106 |
| Assets per employee ($millions) | 5.9157% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 5,143 |
| Loan loss allowance to noncurrent loans | 133.6466% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 3,131 |
| Noncurrent loans to loans | 0.5769% | 3,078 |
| Net loans and leases to total assets | 83.6058% | 408 |
| Net loans and leases to deposits | 91.7005% | 1,358 |
| Net loans and leases to core deposits | 115.3081% | 621 |
| Total domestic deposits to total assets | 91.1727% | 254 |
| Equity capital to assets | 6.6892% | 5,787 |
| Core capital (leverage) ratio | 6.9088% | 5,772 |
| Tier 1 risk-based capital ratio | 9.7321% | 5,749 |
| Total risk-based capital ratio | 10.6859% | 5,770 |
| Memoranda: | ||
| Average total assets | $432,578,000 | 1,629 |
| Average earning assets | $418,780,500 | 1,564 |
| Average equity | $29,160,500 | 2,432 |
| Average total loans | $355,736,500 | 1,378 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 4,016 |
| Cost of funding earning assets | 0.7620% | 602 |
| Net interest margin | 3.0009% | 4,958 |
| Noninterest income to average assets | 0.5221% | 3,086 |
| Noninterest expense to average assets | 2.4775% | 4,082 |
| Loan and lease loss provision to assets | 0.1413% | 1,767 |
| Net operating income to assets | 0.5182% | 4,557 |
| Return on assets (ROA) | 0.5300% | 4,602 |
| Pretax return on assets | 0.8233% | 4,117 |
| Return on Equity (ROE) | 7.7254% | 3,100 |
| Retained earnings to average equity (ytd only) | 7.7254% | 951 |
| Net charge-offs to loans | 0.1050% | 2,222 |
| Credit loss provision to net charge-offs | 162.7907% | 1,697 |
| Earnings coverage of net charge-offs (x) | 10.9041% | 2,588 |
| Efficiency ratio | 72.3643% | 2,533 |
| Assets per employee ($millions) | 6.1941% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 5,170 |
| Loan loss allowance to noncurrent loans | 127.7190% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 3,162 |
| Noncurrent loans to loans | 0.6065% | 3,030 |
| Net loans and leases to total assets | 79.5473% | 959 |
| Net loans and leases to deposits | 86.9818% | 2,051 |
| Net loans and leases to core deposits | 108.3112% | 1,002 |
| Total domestic deposits to total assets | 91.4528% | 166 |
| Equity capital to assets | 6.7942% | 5,815 |
| Core capital (leverage) ratio | 7.0447% | 5,806 |
| Tier 1 risk-based capital ratio | 10.3520% | 5,638 |
| Total risk-based capital ratio | 11.3064% | 5,678 |
| Memoranda: | ||
| Average total assets | $396,447,600 | 1,702 |
| Average earning assets | $383,323,800 | 1,624 |
| Average equity | $27,196,000 | 2,556 |
| Average total loans | $327,771,600 | 1,421 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 3,867 |
| Cost of funding earning assets | 0.7468% | 646 |
| Net interest margin | 3.0746% | 4,844 |
| Noninterest income to average assets | 0.4823% | 3,365 |
| Noninterest expense to average assets | 2.5598% | 3,792 |
| Loan and lease loss provision to assets | 0.1852% | 1,180 |
| Net operating income to assets | 0.4467% | 4,883 |
| Return on assets (ROA) | 0.4627% | 4,906 |
| Pretax return on assets | 0.7347% | 4,514 |
| Return on Equity (ROE) | 6.7275% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.7275% | 1,771 |
| Net charge-offs to loans | 0.1415% | 1,577 |
| Credit loss provision to net charge-offs | 156.9767% | 1,723 |
| Earnings coverage of net charge-offs (x) | 7.5842% | 2,865 |
| Efficiency ratio | 74.0965% | 2,265 |
| Assets per employee ($millions) | 6.0279% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 5,193 |
| Loan loss allowance to noncurrent loans | 138.8508% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 3,575 |
| Noncurrent loans to loans | 0.5747% | 3,279 |
| Net loans and leases to total assets | 79.8892% | 905 |
| Net loans and leases to deposits | 88.1489% | 1,995 |
| Net loans and leases to core deposits | 103.9453% | 1,344 |
| Total domestic deposits to total assets | 90.6299% | 290 |
| Equity capital to assets | 6.8958% | 5,894 |
| Core capital (leverage) ratio | 6.9978% | 5,882 |
| Tier 1 risk-based capital ratio | 10.5257% | 5,607 |
| Total risk-based capital ratio | 11.5214% | 5,644 |
| Memoranda: | ||
| Average total assets | $388,711,750 | 1,726 |
| Average earning assets | $375,799,000 | 1,653 |
| Average equity | $26,735,500 | 2,606 |
| Average total loans | $324,056,500 | 1,434 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 3,869 |
| Cost of funding earning assets | 0.7137% | 747 |
| Net interest margin | 3.1122% | 4,795 |
| Noninterest income to average assets | 0.3705% | 4,098 |
| Noninterest expense to average assets | 2.6239% | 3,640 |
| Loan and lease loss provision to assets | 0.2463% | 795 |
| Net operating income to assets | 0.3170% | 5,268 |
| Return on assets (ROA) | 0.3197% | 5,349 |
| Pretax return on assets | 0.5120% | 5,110 |
| Return on Equity (ROE) | 4.6520% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.6520% | 2,947 |
| Net charge-offs to loans | 0.2155% | 1,087 |
| Credit loss provision to net charge-offs | 135.4467% | 1,723 |
| Earnings coverage of net charge-offs (x) | 4.1470% | 3,014 |
| Efficiency ratio | 77.6761% | 1,841 |
| Assets per employee ($millions) | 5.9362% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 5,333 |
| Loan loss allowance to noncurrent loans | 102.3990% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6288% | 3,112 |
| Noncurrent loans to loans | 0.7575% | 2,846 |
| Net loans and leases to total assets | 82.3674% | 591 |
| Net loans and leases to deposits | 91.4978% | 1,576 |
| Net loans and leases to core deposits | 110.3794% | 914 |
| Total domestic deposits to total assets | 90.0212% | 482 |
| Equity capital to assets | 6.7240% | 5,980 |
| Core capital (leverage) ratio | 7.0666% | 5,944 |
| Tier 1 risk-based capital ratio | 10.2697% | 5,773 |
| Total risk-based capital ratio | 11.2523% | 5,800 |
| Memoranda: | ||
| Average total assets | $381,649,000 | 1,753 |
| Average earning assets | $368,804,330 | 1,694 |
| Average equity | $26,225,330 | 2,648 |
| Average total loans | $322,042,000 | 1,448 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 3,516 |
| Cost of funding earning assets | 0.6825% | 879 |
| Net interest margin | 3.2364% | 4,451 |
| Noninterest income to average assets | 0.2730% | 4,776 |
| Noninterest expense to average assets | 2.6198% | 3,688 |
| Loan and lease loss provision to assets | 0.0857% | 2,253 |
| Net operating income to assets | 0.4348% | 4,881 |
| Return on assets (ROA) | 0.4368% | 4,953 |
| Pretax return on assets | 0.6981% | 4,537 |
| Return on Equity (ROE) | 6.2850% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.2850% | 2,242 |
| Net charge-offs to loans | 0.0340% | 2,286 |
| Credit loss provision to net charge-offs | 296.2963% | 863 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,256 |
| Efficiency ratio | 77.0466% | 2,040 |
| Assets per employee ($millions) | 6.2065% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 5,432 |
| Loan loss allowance to noncurrent loans | 162.4918% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,973 |
| Noncurrent loans to loans | 0.4769% | 3,752 |
| Net loans and leases to total assets | 84.2398% | 346 |
| Net loans and leases to deposits | 96.8188% | 865 |
| Net loans and leases to core deposits | 121.1144% | 436 |
| Total domestic deposits to total assets | 87.0077% | 2,208 |
| Equity capital to assets | 6.9296% | 6,015 |
| Core capital (leverage) ratio | 7.3226% | 5,958 |
| Tier 1 risk-based capital ratio | 10.6040% | 5,711 |
| Total risk-based capital ratio | 11.6033% | 5,730 |
| Memoranda: | ||
| Average total assets | $373,611,500 | 1,797 |
| Average earning assets | $361,017,500 | 1,722 |
| Average equity | $25,966,500 | 2,662 |
| Average total loans | $317,985,000 | 1,456 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 3,661 |
| Cost of funding earning assets | 0.7049% | 797 |
| Net interest margin | 3.2071% | 4,606 |
| Noninterest income to average assets | 0.5323% | 3,129 |
| Noninterest expense to average assets | 2.5387% | 4,109 |
| Loan and lease loss provision to assets | 0.1295% | 1,856 |
| Net operating income to assets | 0.5972% | 4,279 |
| Return on assets (ROA) | 0.6064% | 4,338 |
| Pretax return on assets | 0.9706% | 3,579 |
| Return on Equity (ROE) | 8.4524% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.4524% | 791 |
| Net charge-offs to loans | 0.0621% | 2,983 |
| Credit loss provision to net charge-offs | 248.3146% | 1,163 |
| Earnings coverage of net charge-offs (x) | 20.8202% | 1,851 |
| Efficiency ratio | 70.0453% | 3,218 |
| Assets per employee ($millions) | 5.8513% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7751% | 5,477 |
| Loan loss allowance to noncurrent loans | 153.9141% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 3,889 |
| Noncurrent loans to loans | 0.5036% | 3,673 |
| Net loans and leases to total assets | 84.6689% | 333 |
| Net loans and leases to deposits | 94.3667% | 1,168 |
| Net loans and leases to core deposits | 117.7171% | 549 |
| Total domestic deposits to total assets | 89.7233% | 742 |
| Equity capital to assets | 6.9712% | 6,062 |
| Core capital (leverage) ratio | 7.3649% | 6,001 |
| Tier 1 risk-based capital ratio | 10.5982% | 5,730 |
| Total risk-based capital ratio | 11.5921% | 5,770 |
| Memoranda: | ||
| Average total assets | $341,351,600 | 1,913 |
| Average earning assets | $329,113,400 | 1,845 |
| Average equity | $24,490,000 | 2,736 |
| Average total loans | $286,485,600 | 1,524 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 3,731 |
| Cost of funding earning assets | 0.7108% | 792 |
| Net interest margin | 3.1955% | 4,682 |
| Noninterest income to average assets | 0.4280% | 3,885 |
| Noninterest expense to average assets | 2.5659% | 3,996 |
| Loan and lease loss provision to assets | 0.1000% | 2,179 |
| Net operating income to assets | 0.5366% | 4,650 |
| Return on assets (ROA) | 0.5404% | 4,725 |
| Pretax return on assets | 0.8465% | 4,188 |
| Return on Equity (ROE) | 7.4746% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.4746% | 1,461 |
| Net charge-offs to loans | 0.0849% | 2,329 |
| Credit loss provision to net charge-offs | 141.0112% | 1,762 |
| Earnings coverage of net charge-offs (x) | 13.2583% | 2,341 |
| Efficiency ratio | 73.1757% | 2,688 |
| Assets per employee ($millions) | 5.6119% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7467% | 5,630 |
| Loan loss allowance to noncurrent loans | 114.0030% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 3,633 |
| Noncurrent loans to loans | 0.6550% | 3,365 |
| Net loans and leases to total assets | 84.4819% | 350 |
| Net loans and leases to deposits | 95.9128% | 1,013 |
| Net loans and leases to core deposits | 112.7398% | 722 |
| Total domestic deposits to total assets | 88.0820% | 1,516 |
| Equity capital to assets | 7.0686% | 6,146 |
| Core capital (leverage) ratio | 7.1181% | 6,112 |
| Tier 1 risk-based capital ratio | 11.1112% | 5,599 |
| Total risk-based capital ratio | 12.0986% | 5,661 |
| Memoranda: | ||
| Average total assets | $334,532,250 | 1,974 |
| Average earning assets | $322,280,000 | 1,888 |
| Average equity | $24,188,000 | 2,787 |
| Average total loans | $279,469,000 | 1,564 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 3,776 |
| Cost of funding earning assets | 0.6972% | 855 |
| Net interest margin | 3.1825% | 4,709 |
| Noninterest income to average assets | 0.4656% | 3,592 |
| Noninterest expense to average assets | 2.6478% | 3,749 |
| Loan and lease loss provision to assets | 0.0579% | 2,946 |
| Net operating income to assets | 0.5201% | 4,684 |
| Return on assets (ROA) | 0.5259% | 4,764 |
| Pretax return on assets | 0.8343% | 4,189 |
| Return on Equity (ROE) | 7.2156% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.2156% | 1,611 |
| Net charge-offs to loans | -0.0015% | 4,563 |
| Credit loss provision to net charge-offs | -4,750.0000% | 5,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9914% | 2,539 |
| Assets per employee ($millions) | 5.5403% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 5,620 |
| Loan loss allowance to noncurrent loans | 103.7934% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 3,512 |
| Noncurrent loans to loans | 0.7622% | 3,212 |
| Net loans and leases to total assets | 82.9114% | 482 |
| Net loans and leases to deposits | 93.9026% | 1,159 |
| Net loans and leases to core deposits | 111.9643% | 746 |
| Total domestic deposits to total assets | 88.2951% | 1,496 |
| Equity capital to assets | 7.0964% | 6,177 |
| Core capital (leverage) ratio | 7.3345% | 6,132 |
| Tier 1 risk-based capital ratio | 11.0675% | 5,680 |
| Total risk-based capital ratio | 12.0788% | 5,725 |
| Memoranda: | ||
| Average total assets | $328,193,330 | 2,029 |
| Average earning assets | $316,107,330 | 1,940 |
| Average equity | $23,920,330 | 2,818 |
| Average total loans | $272,314,670 | 1,616 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 3,780 |
| Cost of funding earning assets | 0.6749% | 976 |
| Net interest margin | 3.1867% | 4,658 |
| Noninterest income to average assets | 0.2808% | 4,932 |
| Noninterest expense to average assets | 2.7354% | 3,466 |
| Loan and lease loss provision to assets | 0.0125% | 3,562 |
| Net operating income to assets | 0.3765% | 5,154 |
| Return on assets (ROA) | 0.3868% | 5,239 |
| Pretax return on assets | 0.6190% | 4,860 |
| Return on Equity (ROE) | 5.2337% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.2337% | 2,927 |
| Net charge-offs to loans | -0.0015% | 4,340 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6387% | 1,665 |
| Assets per employee ($millions) | 5.3810% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 5,645 |
| Loan loss allowance to noncurrent loans | 115.4253% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 3,514 |
| Noncurrent loans to loans | 0.7115% | 3,491 |
| Net loans and leases to total assets | 81.7259% | 488 |
| Net loans and leases to deposits | 93.0546% | 1,082 |
| Net loans and leases to core deposits | 115.3450% | 540 |
| Total domestic deposits to total assets | 87.8257% | 1,915 |
| Equity capital to assets | 7.4122% | 6,198 |
| Core capital (leverage) ratio | 7.6009% | 6,114 |
| Tier 1 risk-based capital ratio | 11.8902% | 5,315 |
| Total risk-based capital ratio | 12.9605% | 5,336 |
| Memoranda: | ||
| Average total assets | $320,541,000 | 2,084 |
| Average earning assets | $308,779,000 | 1,995 |
| Average equity | $23,692,500 | 2,863 |
| Average total loans | $264,937,000 | 1,655 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 4,070 |
| Cost of funding earning assets | 0.6303% | 1,548 |
| Net interest margin | 3.2845% | 4,639 |
| Noninterest income to average assets | 0.3528% | 4,583 |
| Noninterest expense to average assets | 2.5820% | 4,287 |
| Loan and lease loss provision to assets | 0.0935% | 2,596 |
| Net operating income to assets | 0.5447% | 4,618 |
| Return on assets (ROA) | 0.5431% | 4,714 |
| Pretax return on assets | 0.8739% | 3,984 |
| Return on Equity (ROE) | 7.5613% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.5613% | 1,177 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6899% | 3,090 |
| Assets per employee ($millions) | 5.3936% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 5,707 |
| Loan loss allowance to noncurrent loans | 121.9293% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 3,689 |
| Noncurrent loans to loans | 0.6758% | 3,654 |
| Net loans and leases to total assets | 82.2240% | 496 |
| Net loans and leases to deposits | 93.9529% | 1,077 |
| Net loans and leases to core deposits | 129.0258% | 260 |
| Total domestic deposits to total assets | 87.5162% | 2,025 |
| Equity capital to assets | 7.3703% | 6,266 |
| Core capital (leverage) ratio | 7.6504% | 6,150 |
| Tier 1 risk-based capital ratio | 11.8097% | 5,487 |
| Total risk-based capital ratio | 12.8821% | 5,496 |
| Memoranda: | ||
| Average total assets | $301,629,000 | 2,154 |
| Average earning assets | $293,808,000 | 2,042 |
| Average equity | $21,662,800 | 2,983 |
| Average total loans | $245,991,000 | 1,712 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 4,223 |
| Cost of funding earning assets | 0.6168% | 1,707 |
| Net interest margin | 3.2689% | 4,725 |
| Noninterest income to average assets | 0.1645% | 5,930 |
| Noninterest expense to average assets | 2.5816% | 4,251 |
| Loan and lease loss provision to assets | 0.1264% | 1,979 |
| Net operating income to assets | 0.3936% | 5,267 |
| Return on assets (ROA) | 0.3922% | 5,354 |
| Pretax return on assets | 0.6467% | 4,887 |
| Return on Equity (ROE) | 5.4991% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.4991% | 2,748 |
| Net charge-offs to loans | 0.0006% | 4,690 |
| Credit loss provision to net charge-offs | 28,200.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,734.2932% | 29 |
| Efficiency ratio | 76.9025% | 2,359 |
| Assets per employee ($millions) | 5.9227% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 5,766 |
| Loan loss allowance to noncurrent loans | 129.1147% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 3,728 |
| Noncurrent loans to loans | 0.6531% | 3,981 |
| Net loans and leases to total assets | 82.9651% | 413 |
| Net loans and leases to deposits | 94.5620% | 988 |
| Net loans and leases to core deposits | 126.6919% | 275 |
| Total domestic deposits to total assets | 87.7362% | 1,905 |
| Equity capital to assets | 7.1787% | 6,358 |
| Core capital (leverage) ratio | 7.6851% | 6,222 |
| Tier 1 risk-based capital ratio | 12.3080% | 5,292 |
| Total risk-based capital ratio | 13.4592% | 5,277 |
| Memoranda: | ||
| Average total assets | $297,481,000 | 2,189 |
| Average earning assets | $290,524,500 | 2,080 |
| Average equity | $21,215,000 | 3,035 |
| Average total loans | $241,531,750 | 1,755 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 4,323 |
| Cost of funding earning assets | 0.6061% | 1,856 |
| Net interest margin | 3.2466% | 4,793 |
| Noninterest income to average assets | 0.1544% | 6,021 |
| Noninterest expense to average assets | 2.6464% | 4,069 |
| Loan and lease loss provision to assets | 0.1544% | 1,598 |
| Net operating income to assets | 0.3168% | 5,509 |
| Return on assets (ROA) | 0.3163% | 5,586 |
| Pretax return on assets | 0.5232% | 5,212 |
| Return on Equity (ROE) | 4.4461% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.4461% | 3,342 |
| Net charge-offs to loans | -0.0059% | 5,204 |
| Credit loss provision to net charge-offs | -3,242.8571% | 5,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5989% | 2,080 |
| Assets per employee ($millions) | 5.7573% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 5,825 |
| Loan loss allowance to noncurrent loans | 119.0370% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 3,762 |
| Noncurrent loans to loans | 0.7276% | 3,876 |
| Net loans and leases to total assets | 79.7496% | 716 |
| Net loans and leases to deposits | 91.3997% | 1,226 |
| Net loans and leases to core deposits | 121.3386% | 348 |
| Total domestic deposits to total assets | 87.2537% | 2,321 |
| Equity capital to assets | 7.0476% | 6,437 |
| Core capital (leverage) ratio | 7.7298% | 6,237 |
| Tier 1 risk-based capital ratio | 12.6169% | 5,147 |
| Total risk-based capital ratio | 13.8002% | 5,123 |
| Memoranda: | ||
| Average total assets | $293,981,330 | 2,198 |
| Average earning assets | $287,072,670 | 2,093 |
| Average equity | $20,917,000 | 3,069 |
| Average total loans | $236,146,000 | 1,783 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 4,244 |
| Cost of funding earning assets | 0.5955% | 2,009 |
| Net interest margin | 3.2647% | 4,687 |
| Noninterest income to average assets | 0.1387% | 6,151 |
| Noninterest expense to average assets | 2.6685% | 4,046 |
| Loan and lease loss provision to assets | 0.0791% | 2,570 |
| Net operating income to assets | 0.3476% | 5,320 |
| Return on assets (ROA) | 0.3467% | 5,384 |
| Pretax return on assets | 0.5756% | 4,915 |
| Return on Equity (ROE) | 4.8490% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.8490% | 3,205 |
| Net charge-offs to loans | -0.0104% | 5,060 |
| Credit loss provision to net charge-offs | -950.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2670% | 2,168 |
| Assets per employee ($millions) | 5.6751% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,029 |
| Loan loss allowance to noncurrent loans | 111.0795% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 3,817 |
| Noncurrent loans to loans | 0.7538% | 3,981 |
| Net loans and leases to total assets | 78.4604% | 707 |
| Net loans and leases to deposits | 89.4682% | 1,206 |
| Net loans and leases to core deposits | 113.0593% | 492 |
| Total domestic deposits to total assets | 87.6963% | 2,406 |
| Equity capital to assets | 7.1022% | 6,424 |
| Core capital (leverage) ratio | 7.8593% | 6,200 |
| Tier 1 risk-based capital ratio | 13.3453% | 4,802 |
| Total risk-based capital ratio | 14.5032% | 4,795 |
| Memoranda: | ||
| Average total assets | $288,402,500 | 2,243 |
| Average earning assets | $281,437,500 | 2,136 |
| Average equity | $20,623,000 | 3,106 |
| Average total loans | $231,482,500 | 1,807 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 5,262 |
| Cost of funding earning assets | 0.6147% | 2,527 |
| Net interest margin | 3.0412% | 5,477 |
| Noninterest income to average assets | 0.1283% | 6,287 |
| Noninterest expense to average assets | 2.5028% | 4,756 |
| Loan and lease loss provision to assets | 0.1727% | 2,137 |
| Net operating income to assets | 0.2465% | 5,699 |
| Return on assets (ROA) | 0.3068% | 5,597 |
| Pretax return on assets | 0.5197% | 5,144 |
| Return on Equity (ROE) | 3.8285% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.8285% | 3,481 |
| Net charge-offs to loans | 0.0077% | 5,301 |
| Credit loss provision to net charge-offs | 3,006.6667% | 72 |
| Earnings coverage of net charge-offs (x) | 104.1333% | 451 |
| Efficiency ratio | 80.7089% | 2,054 |
| Assets per employee ($millions) | 5.6340% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 6,114 |
| Loan loss allowance to noncurrent loans | 105.4039% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 3,805 |
| Noncurrent loans to loans | 0.7822% | 4,017 |
| Net loans and leases to total assets | 80.7872% | 519 |
| Net loans and leases to deposits | 93.2360% | 940 |
| Net loans and leases to core deposits | 118.6027% | 358 |
| Total domestic deposits to total assets | 86.6481% | 2,908 |
| Equity capital to assets | 7.2017% | 6,400 |
| Core capital (leverage) ratio | 8.2820% | 5,893 |
| Tier 1 risk-based capital ratio | 13.3843% | 4,730 |
| Total risk-based capital ratio | 14.5226% | 4,747 |
| Memoranda: | ||
| Average total assets | $261,106,200 | 2,428 |
| Average earning assets | $255,228,600 | 2,285 |
| Average equity | $20,922,000 | 3,057 |
| Average total loans | $193,906,800 | 2,059 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 5,487 |
| Cost of funding earning assets | 0.6279% | 2,569 |
| Net interest margin | 2.9562% | 5,687 |
| Noninterest income to average assets | 0.1307% | 6,365 |
| Noninterest expense to average assets | 2.5035% | 4,707 |
| Loan and lease loss provision to assets | 0.1886% | 1,946 |
| Net operating income to assets | 0.1942% | 5,926 |
| Return on assets (ROA) | 0.2829% | 5,783 |
| Pretax return on assets | 0.4688% | 5,448 |
| Return on Equity (ROE) | 3.4343% | 5,465 |
| Retained earnings to average equity (ytd only) | 3.4343% | 4,240 |
| Net charge-offs to loans | 0.0123% | 4,895 |
| Credit loss provision to net charge-offs | 2,129.4118% | 152 |
| Earnings coverage of net charge-offs (x) | 58.5783% | 767 |
| Efficiency ratio | 82.8335% | 1,722 |
| Assets per employee ($millions) | 5.8082% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 6,186 |
| Loan loss allowance to noncurrent loans | 76.4107% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 3,477 |
| Noncurrent loans to loans | 1.1131% | 3,576 |
| Net loans and leases to total assets | 78.5835% | 692 |
| Net loans and leases to deposits | 92.6856% | 928 |
| Net loans and leases to core deposits | 117.0668% | 376 |
| Total domestic deposits to total assets | 84.7850% | 3,845 |
| Equity capital to assets | 7.5819% | 6,365 |
| Core capital (leverage) ratio | 8.6243% | 5,628 |
| Tier 1 risk-based capital ratio | 14.3099% | 4,208 |
| Total risk-based capital ratio | 15.4842% | 4,211 |
| Memoranda: | ||
| Average total assets | $255,958,250 | 2,487 |
| Average earning assets | $250,360,750 | 2,335 |
| Average equity | $21,080,750 | 3,069 |
| Average total loans | $185,016,500 | 2,156 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 5,722 |
| Cost of funding earning assets | 0.6447% | 2,543 |
| Net interest margin | 2.8445% | 5,912 |
| Noninterest income to average assets | 0.1221% | 6,444 |
| Noninterest expense to average assets | 2.5153% | 4,669 |
| Loan and lease loss provision to assets | 0.1982% | 1,913 |
| Net operating income to assets | 0.1156% | 6,097 |
| Return on assets (ROA) | 0.2506% | 5,903 |
| Pretax return on assets | 0.4044% | 5,631 |
| Return on Equity (ROE) | 2.9594% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.9594% | 4,433 |
| Net charge-offs to loans | 0.0204% | 4,432 |
| Credit loss provision to net charge-offs | 1,388.8889% | 230 |
| Earnings coverage of net charge-offs (x) | 27.4444% | 1,216 |
| Efficiency ratio | 86.5248% | 1,363 |
| Assets per employee ($millions) | 5.9970% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 6,171 |
| Loan loss allowance to noncurrent loans | 64.8483% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 3,304 |
| Noncurrent loans to loans | 1.3689% | 3,264 |
| Net loans and leases to total assets | 73.0849% | 1,390 |
| Net loans and leases to deposits | 86.0700% | 1,570 |
| Net loans and leases to core deposits | 105.7391% | 749 |
| Total domestic deposits to total assets | 84.9133% | 3,929 |
| Equity capital to assets | 8.0758% | 6,149 |
| Core capital (leverage) ratio | 8.7727% | 5,323 |
| Tier 1 risk-based capital ratio | 15.4921% | 3,488 |
| Total risk-based capital ratio | 16.6785% | 3,482 |
| Memoranda: | ||
| Average total assets | $252,218,670 | 2,532 |
| Average earning assets | $246,929,000 | 2,381 |
| Average equity | $21,355,330 | 3,056 |
| Average total loans | $176,102,670 | 2,242 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 5,849 |
| Cost of funding earning assets | 0.6399% | 2,746 |
| Net interest margin | 2.8049% | 6,021 |
| Noninterest income to average assets | 0.1026% | 6,566 |
| Noninterest expense to average assets | 2.4941% | 4,779 |
| Loan and lease loss provision to assets | 0.1283% | 2,635 |
| Net operating income to assets | 0.1508% | 6,039 |
| Return on assets (ROA) | 0.3593% | 5,450 |
| Pretax return on assets | 0.5501% | 5,113 |
| Return on Equity (ROE) | 4.1442% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.1442% | 3,733 |
| Net charge-offs to loans | 0.0473% | 3,368 |
| Credit loss provision to net charge-offs | 400.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 11.1500% | 1,679 |
| Efficiency ratio | 87.4578% | 1,379 |
| Assets per employee ($millions) | 6.4917% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 6,319 |
| Loan loss allowance to noncurrent loans | 74.4963% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.0119% | 3,903 |
| Noncurrent loans to loans | 1.1715% | 3,816 |
| Net loans and leases to total assets | 68.0147% | 2,004 |
| Net loans and leases to deposits | 79.5507% | 2,141 |
| Net loans and leases to core deposits | 98.8485% | 1,018 |
| Total domestic deposits to total assets | 85.4986% | 3,797 |
| Equity capital to assets | 8.5316% | 5,990 |
| Core capital (leverage) ratio | 9.0330% | 4,830 |
| Tier 1 risk-based capital ratio | 16.8979% | 2,803 |
| Total risk-based capital ratio | 18.0731% | 2,813 |
| Memoranda: | ||
| Average total assets | $249,393,000 | 2,587 |
| Average earning assets | $244,428,500 | 2,429 |
| Average equity | $21,620,500 | 3,068 |
| Average total loans | $169,078,000 | 2,334 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9115% | 5,543 |
| Cost of funding earning assets | 0.7841% | 2,790 |
| Net interest margin | 3.1273% | 5,747 |
| Noninterest income to average assets | 0.1401% | 6,334 |
| Noninterest expense to average assets | 2.4987% | 5,098 |
| Loan and lease loss provision to assets | 0.1487% | 3,748 |
| Net operating income to assets | 0.3470% | 5,304 |
| Return on assets (ROA) | 0.5633% | 4,671 |
| Pretax return on assets | 0.8895% | 3,960 |
| Return on Equity (ROE) | 6.4335% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.4335% | 1,852 |
| Net charge-offs to loans | 0.1238% | 4,440 |
| Credit loss provision to net charge-offs | 175.5319% | 1,496 |
| Earnings coverage of net charge-offs (x) | 8.2660% | 2,440 |
| Efficiency ratio | 78.1096% | 2,431 |
| Assets per employee ($millions) | 6.8225% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 6,295 |
| Loan loss allowance to noncurrent loans | 70.2364% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9576% | 4,112 |
| Noncurrent loans to loans | 1.2606% | 3,726 |
| Net loans and leases to total assets | 66.3601% | 2,474 |
| Net loans and leases to deposits | 76.0594% | 2,796 |
| Net loans and leases to core deposits | 94.9963% | 1,388 |
| Total domestic deposits to total assets | 87.2477% | 2,677 |
| Equity capital to assets | 8.8111% | 5,736 |
| Core capital (leverage) ratio | 9.0723% | 4,781 |
| Tier 1 risk-based capital ratio | 17.6046% | 2,414 |
| Total risk-based capital ratio | 18.7968% | 2,407 |
| Memoranda: | ||
| Average total assets | $221,913,000 | 2,821 |
| Average earning assets | $217,054,200 | 2,640 |
| Average equity | $19,429,600 | 3,268 |
| Average total loans | $151,823,000 | 2,545 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 5,472 |
| Cost of funding earning assets | 0.8147% | 2,824 |
| Net interest margin | 3.2020% | 5,699 |
| Noninterest income to average assets | 0.1204% | 6,537 |
| Noninterest expense to average assets | 2.5877% | 4,781 |
| Loan and lease loss provision to assets | 0.2037% | 3,040 |
| Net operating income to assets | 0.2887% | 5,649 |
| Return on assets (ROA) | 0.5352% | 4,952 |
| Pretax return on assets | 0.8438% | 4,327 |
| Return on Equity (ROE) | 6.1238% | 4,273 |
| Retained earnings to average equity (ytd only) | 6.1238% | 2,620 |
| Net charge-offs to loans | 0.1695% | 3,755 |
| Credit loss provision to net charge-offs | 174.6032% | 1,595 |
| Earnings coverage of net charge-offs (x) | 5.6773% | 2,957 |
| Efficiency ratio | 79.6201% | 2,151 |
| Assets per employee ($millions) | 6.6487% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 6,302 |
| Loan loss allowance to noncurrent loans | 60.6250% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 3,988 |
| Noncurrent loans to loans | 1.5339% | 3,488 |
| Net loans and leases to total assets | 66.6119% | 2,541 |
| Net loans and leases to deposits | 78.0404% | 2,653 |
| Net loans and leases to core deposits | 96.2030% | 1,400 |
| Total domestic deposits to total assets | 85.3558% | 3,589 |
| Equity capital to assets | 9.1231% | 5,680 |
| Core capital (leverage) ratio | 9.5556% | 4,189 |
| Tier 1 risk-based capital ratio | 18.2821% | 2,242 |
| Total risk-based capital ratio | 19.5325% | 2,216 |
| Memoranda: | ||
| Average total assets | $215,988,750 | 2,907 |
| Average earning assets | $211,109,500 | 2,749 |
| Average equity | $18,876,750 | 3,379 |
| Average total loans | $148,668,000 | 2,621 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 5,173 |
| Cost of funding earning assets | 0.8532% | 2,775 |
| Net interest margin | 3.2845% | 5,487 |
| Noninterest income to average assets | 0.1207% | 6,579 |
| Noninterest expense to average assets | 2.6623% | 4,564 |
| Loan and lease loss provision to assets | 0.3137% | 2,102 |
| Net operating income to assets | 0.2297% | 5,831 |
| Return on assets (ROA) | 0.5114% | 5,033 |
| Pretax return on assets | 0.7937% | 4,496 |
| Return on Equity (ROE) | 5.9473% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.9473% | 2,741 |
| Net charge-offs to loans | 0.2506% | 3,075 |
| Credit loss provision to net charge-offs | 180.3279% | 1,563 |
| Earnings coverage of net charge-offs (x) | 3.8361% | 3,254 |
| Efficiency ratio | 79.9600% | 2,186 |
| Assets per employee ($millions) | 6.6550% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,290 |
| Loan loss allowance to noncurrent loans | 49.6601% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 1.4235% | 3,589 |
| Noncurrent loans to loans | 1.9349% | 3,018 |
| Net loans and leases to total assets | 66.5532% | 2,558 |
| Net loans and leases to deposits | 77.5657% | 2,740 |
| Net loans and leases to core deposits | 90.8597% | 1,889 |
| Total domestic deposits to total assets | 85.8024% | 3,453 |
| Equity capital to assets | 9.2469% | 5,405 |
| Core capital (leverage) ratio | 9.5862% | 4,024 |
| Tier 1 risk-based capital ratio | 18.7646% | 2,044 |
| Total risk-based capital ratio | 20.0155% | 2,009 |
| Memoranda: | ||
| Average total assets | $210,416,330 | 2,964 |
| Average earning assets | $205,571,330 | 2,815 |
| Average equity | $18,092,330 | 3,484 |
| Average total loans | $146,069,000 | 2,671 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 4,620 |
| Cost of funding earning assets | 0.8993% | 2,702 |
| Net interest margin | 3.4292% | 4,998 |
| Noninterest income to average assets | 0.1047% | 6,717 |
| Noninterest expense to average assets | 2.5977% | 4,823 |
| Loan and lease loss provision to assets | 0.2766% | 2,247 |
| Net operating income to assets | 0.3698% | 5,384 |
| Return on assets (ROA) | 0.3951% | 5,466 |
| Pretax return on assets | 0.6144% | 5,066 |
| Return on Equity (ROE) | 4.7970% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.7970% | 3,678 |
| Net charge-offs to loans | 0.3886% | 2,139 |
| Credit loss provision to net charge-offs | 100.7194% | 2,278 |
| Earnings coverage of net charge-offs (x) | 3.1007% | 2,963 |
| Efficiency ratio | 75.3150% | 2,888 |
| Assets per employee ($millions) | 6.4077% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 6,497 |
| Loan loss allowance to noncurrent loans | 52.9601% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3308% | 3,894 |
| Noncurrent loans to loans | 1.7352% | 3,507 |
| Net loans and leases to total assets | 67.0500% | 2,281 |
| Net loans and leases to deposits | 76.0602% | 2,790 |
| Net loans and leases to core deposits | 90.1249% | 1,844 |
| Total domestic deposits to total assets | 88.1539% | 2,215 |
| Equity capital to assets | 8.0869% | 6,453 |
| Core capital (leverage) ratio | 8.2040% | 6,017 |
| Tier 1 risk-based capital ratio | 15.6784% | 3,347 |
| Total risk-based capital ratio | 16.9114% | 3,329 |
| Memoranda: | ||
| Average total assets | $202,489,500 | 3,078 |
| Average earning assets | $197,482,000 | 2,925 |
| Average equity | $16,677,000 | 3,696 |
| Average total loans | $143,078,000 | 2,734 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5789% | 4,758 |
| Cost of funding earning assets | 0.9199% | 3,959 |
| Net interest margin | 3.6590% | 4,477 |
| Noninterest income to average assets | 0.1439% | 6,429 |
| Noninterest expense to average assets | 2.5579% | 5,256 |
| Loan and lease loss provision to assets | 0.5625% | 1,858 |
| Net operating income to assets | 0.4071% | 4,830 |
| Return on assets (ROA) | 0.5722% | 4,321 |
| Pretax return on assets | 0.8212% | 3,908 |
| Return on Equity (ROE) | 6.4284% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.4284% | 1,788 |
| Net charge-offs to loans | 0.5309% | 2,878 |
| Credit loss provision to net charge-offs | 146.3596% | 1,955 |
| Earnings coverage of net charge-offs (x) | 2.9866% | 3,713 |
| Efficiency ratio | 69.0245% | 4,142 |
| Assets per employee ($millions) | 6.2427% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 6,493 |
| Loan loss allowance to noncurrent loans | 51.4085% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 3,689 |
| Noncurrent loans to loans | 1.7867% | 3,486 |
| Net loans and leases to total assets | 73.2448% | 1,399 |
| Net loans and leases to deposits | 82.5512% | 2,126 |
| Net loans and leases to core deposits | 102.1762% | 1,013 |
| Total domestic deposits to total assets | 88.7265% | 1,703 |
| Equity capital to assets | 8.3989% | 6,246 |
| Core capital (leverage) ratio | 8.5113% | 5,536 |
| Tier 1 risk-based capital ratio | 14.7916% | 3,765 |
| Total risk-based capital ratio | 16.0071% | 3,766 |
| Memoranda: | ||
| Average total assets | $175,101,400 | 3,413 |
| Average earning assets | $170,457,400 | 3,239 |
| Average equity | $15,587,200 | 3,793 |
| Average total loans | $126,766,400 | 3,045 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 4,859 |
| Cost of funding earning assets | 0.9166% | 4,292 |
| Net interest margin | 3.6847% | 4,407 |
| Noninterest income to average assets | 0.1369% | 6,566 |
| Noninterest expense to average assets | 2.5525% | 5,270 |
| Loan and lease loss provision to assets | 0.6405% | 1,534 |
| Net operating income to assets | 0.3433% | 5,236 |
| Return on assets (ROA) | 0.5380% | 4,562 |
| Pretax return on assets | 0.8305% | 4,012 |
| Return on Equity (ROE) | 5.9486% | 4,042 |
| Retained earnings to average equity (ytd only) | 5.9486% | 2,588 |
| Net charge-offs to loans | 0.7313% | 2,096 |
| Credit loss provision to net charge-offs | 121.6939% | 2,661 |
| Earnings coverage of net charge-offs (x) | 2.2259% | 4,016 |
| Efficiency ratio | 68.5426% | 4,208 |
| Assets per employee ($millions) | 6.1937% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 6,672 |
| Loan loss allowance to noncurrent loans | 45.4473% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.3595% | 4,103 |
| Noncurrent loans to loans | 1.9240% | 3,468 |
| Net loans and leases to total assets | 70.0409% | 2,073 |
| Net loans and leases to deposits | 78.5674% | 2,876 |
| Net loans and leases to core deposits | 91.9173% | 2,004 |
| Total domestic deposits to total assets | 89.1475% | 1,335 |
| Equity capital to assets | 8.5625% | 6,234 |
| Core capital (leverage) ratio | 8.8148% | 5,240 |
| Tier 1 risk-based capital ratio | 15.7648% | 3,241 |
| Total risk-based capital ratio | 16.9160% | 3,265 |
| Memoranda: | ||
| Average total assets | $170,495,500 | 3,509 |
| Average earning assets | $165,977,750 | 3,321 |
| Average equity | $15,420,500 | 3,839 |
| Average total loans | $122,692,750 | 3,152 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 4,890 |
| Cost of funding earning assets | 0.8819% | 4,817 |
| Net interest margin | 3.7363% | 4,092 |
| Noninterest income to average assets | 0.1258% | 6,700 |
| Noninterest expense to average assets | 2.4451% | 5,713 |
| Loan and lease loss provision to assets | 0.6276% | 1,523 |
| Net operating income to assets | 0.4552% | 4,693 |
| Return on assets (ROA) | 0.5031% | 4,627 |
| Pretax return on assets | 0.7630% | 4,168 |
| Return on Equity (ROE) | 5.4531% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.4531% | 2,713 |
| Net charge-offs to loans | 0.1769% | 4,105 |
| Credit loss provision to net charge-offs | 489.6226% | 633 |
| Earnings coverage of net charge-offs (x) | 10.2830% | 1,827 |
| Efficiency ratio | 64.9743% | 5,065 |
| Assets per employee ($millions) | 6.1063% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 5,848 |
| Loan loss allowance to noncurrent loans | 49.0978% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6275% | 3,746 |
| Noncurrent loans to loans | 2.2916% | 3,114 |
| Net loans and leases to total assets | 70.2223% | 2,176 |
| Net loans and leases to deposits | 81.5984% | 2,508 |
| Net loans and leases to core deposits | 92.6513% | 2,060 |
| Total domestic deposits to total assets | 86.0584% | 3,295 |
| Equity capital to assets | 8.7739% | 5,851 |
| Core capital (leverage) ratio | 9.3329% | 4,200 |
| Tier 1 risk-based capital ratio | 15.6698% | 3,147 |
| Total risk-based capital ratio | 16.9223% | 3,111 |
| Memoranda: | ||
| Average total assets | $165,390,670 | 3,606 |
| Average earning assets | $161,013,000 | 3,424 |
| Average equity | $15,257,330 | 3,863 |
| Average total loans | $119,826,670 | 3,235 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 5,005 |
| Cost of funding earning assets | 0.8568% | 5,232 |
| Net interest margin | 3.7306% | 3,940 |
| Noninterest income to average assets | 0.1003% | 6,912 |
| Noninterest expense to average assets | 2.4119% | 5,851 |
| Loan and lease loss provision to assets | 0.6067% | 1,415 |
| Net operating income to assets | 0.4738% | 4,601 |
| Return on assets (ROA) | 0.4738% | 4,683 |
| Pretax return on assets | 0.7170% | 4,233 |
| Return on Equity (ROE) | 5.0008% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.0008% | 3,197 |
| Net charge-offs to loans | 0.3628% | 2,614 |
| Credit loss provision to net charge-offs | 228.3019% | 1,337 |
| Earnings coverage of net charge-offs (x) | 4.9811% | 2,359 |
| Efficiency ratio | 64.5638% | 5,264 |
| Assets per employee ($millions) | 7.0460% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,532 |
| Loan loss allowance to noncurrent loans | 39.0797% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.7969% | 3,579 |
| Noncurrent loans to loans | 2.4400% | 3,050 |
| Net loans and leases to total assets | 72.9395% | 1,529 |
| Net loans and leases to deposits | 84.7402% | 1,920 |
| Net loans and leases to core deposits | 97.3137% | 1,575 |
| Total domestic deposits to total assets | 86.0742% | 3,483 |
| Equity capital to assets | 9.3904% | 4,593 |
| Core capital (leverage) ratio | 9.6179% | 3,638 |
| Tier 1 risk-based capital ratio | 16.2922% | 2,767 |
| Total risk-based capital ratio | 17.5280% | 2,731 |
| Memoranda: | ||
| Average total assets | $159,545,000 | 3,715 |
| Average earning assets | $155,469,500 | 3,553 |
| Average equity | $15,117,500 | 3,880 |
| Average total loans | $116,857,000 | 3,315 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 5,062 |
| Cost of funding earning assets | 1.1647% | 4,770 |
| Net interest margin | 3.7292% | 4,231 |
| Noninterest income to average assets | 0.1370% | 6,705 |
| Noninterest expense to average assets | 2.8110% | 4,561 |
| Loan and lease loss provision to assets | 0.2496% | 4,803 |
| Net operating income to assets | 0.4345% | 4,392 |
| Return on assets (ROA) | 0.4345% | 4,542 |
| Pretax return on assets | 0.6765% | 4,061 |
| Return on Equity (ROE) | 4.1454% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.1454% | 2,950 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2192% | 3,159 |
| Assets per employee ($millions) | 7.4777% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 6,785 |
| Loan loss allowance to noncurrent loans | 77.5542% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 5,352 |
| Noncurrent loans to loans | 1.1297% | 4,852 |
| Net loans and leases to total assets | 72.1953% | 2,057 |
| Net loans and leases to deposits | 83.0433% | 2,621 |
| Net loans and leases to core deposits | 95.0915% | 2,117 |
| Total domestic deposits to total assets | 86.9370% | 2,859 |
| Equity capital to assets | 9.5631% | 4,318 |
| Core capital (leverage) ratio | 10.5489% | 2,509 |
| Tier 1 risk-based capital ratio | 16.5404% | 2,507 |
| Total risk-based capital ratio | 17.6680% | 2,526 |
| Memoranda: | ||
| Average total assets | $118,995,000 | 4,500 |
| Average earning assets | $114,877,600 | 4,346 |
| Average equity | $12,471,800 | 4,487 |
| Average total loans | $89,772,800 | 4,060 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 4,699 |
| Cost of funding earning assets | 1.3089% | 4,159 |
| Net interest margin | 3.7154% | 4,326 |
| Noninterest income to average assets | 0.1388% | 6,858 |
| Noninterest expense to average assets | 3.0359% | 3,622 |
| Loan and lease loss provision to assets | 0.2192% | 4,871 |
| Net operating income to assets | 0.3008% | 5,161 |
| Return on assets (ROA) | 0.3008% | 5,328 |
| Pretax return on assets | 0.4579% | 5,052 |
| Return on Equity (ROE) | 2.7826% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.7826% | 4,486 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7645% | 2,084 |
| Assets per employee ($millions) | 6.1813% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 6,652 |
| 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 | 72.8160% | 2,052 |
| Net loans and leases to deposits | 83.2432% | 2,854 |
| Net loans and leases to core deposits | 95.4430% | 2,327 |
| Total domestic deposits to total assets | 87.4738% | 2,276 |
| Equity capital to assets | 11.4184% | 2,594 |
| Core capital (leverage) ratio | 11.6071% | 1,865 |
| Tier 1 risk-based capital ratio | 18.7296% | 1,814 |
| Total risk-based capital ratio | 19.8947% | 1,801 |
| Memoranda: | ||
| Average total assets | $109,486,000 | 4,785 |
| Average earning assets | $105,324,000 | 4,634 |
| Average equity | $11,835,500 | 4,726 |
| Average total loans | $83,623,250 | 4,300 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 4,738 |
| Cost of funding earning assets | 1.3970% | 3,894 |
| Net interest margin | 3.6448% | 4,604 |
| Noninterest income to average assets | 0.1227% | 6,985 |
| Noninterest expense to average assets | 3.0863% | 3,373 |
| Loan and lease loss provision to assets | 0.2843% | 4,120 |
| Net operating income to assets | 0.1636% | 5,682 |
| Return on assets (ROA) | 0.1636% | 5,799 |
| Pretax return on assets | 0.2473% | 5,666 |
| Return on Equity (ROE) | 1.5498% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.5498% | 5,090 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3068% | 1,789 |
| Assets per employee ($millions) | 5.4136% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 6,607 |
| 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 | 78.2700% | 1,069 |
| Net loans and leases to deposits | 89.7313% | 1,906 |
| Net loans and leases to core deposits | 100.2908% | 1,984 |
| Total domestic deposits to total assets | 87.2271% | 2,420 |
| Equity capital to assets | 12.6242% | 1,729 |
| Core capital (leverage) ratio | 12.8691% | 1,254 |
| Tier 1 risk-based capital ratio | 19.3932% | 1,630 |
| Total risk-based capital ratio | 20.5963% | 1,607 |
| Memoranda: | ||
| Average total assets | $102,712,000 | 5,000 |
| Average earning assets | $98,496,670 | 4,859 |
| Average equity | $10,840,000 | 4,960 |
| Average total loans | $79,695,670 | 4,450 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 5,326 |
| Cost of funding earning assets | 1.5016% | 3,544 |
| Net interest margin | 3.4236% | 5,486 |
| Noninterest income to average assets | 0.0987% | 7,210 |
| Noninterest expense to average assets | 3.0075% | 3,653 |
| Loan and lease loss provision to assets | 0.3127% | 3,545 |
| Net operating income to assets | 0.0411% | 6,186 |
| Return on assets (ROA) | 0.0411% | 6,298 |
| Pretax return on assets | 0.0617% | 6,226 |
| Return on Equity (ROE) | 0.4403% | 6,292 |
| Retained earnings to average equity (ytd only) | 0.4403% | 5,659 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9294% | 1,512 |
| Assets per employee ($millions) | 5.4279% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 6,513 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 6,788 |
| Noncurrent loans to loans | 0.3604% | 6,580 |
| Net loans and leases to total assets | 75.6475% | 1,613 |
| Net loans and leases to deposits | 83.5387% | 3,021 |
| Net loans and leases to core deposits | 93.6185% | 2,886 |
| Total domestic deposits to total assets | 90.5538% | 711 |
| Equity capital to assets | 9.2804% | 4,862 |
| Core capital (leverage) ratio | 9.2114% | 4,204 |
| Tier 1 risk-based capital ratio | 13.0630% | 4,289 |
| Total risk-based capital ratio | 14.2205% | 4,334 |
| Memoranda: | ||
| Average total assets | $97,225,000 | 5,228 |
| Average earning assets | $93,235,500 | 5,074 |
| Average equity | $9,084,000 | 5,518 |
| Average total loans | $74,627,000 | 4,693 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 5,692 |
| Cost of funding earning assets | 1.7695% | 4,151 |
| Net interest margin | 3.4207% | 5,288 |
| Noninterest income to average assets | 0.1092% | 7,219 |
| Noninterest expense to average assets | 4.3722% | 904 |
| Loan and lease loss provision to assets | 0.6731% | 3,128 |
| Net operating income to assets | 0.4487% | 3,931 |
| Return on assets (ROA) | 0.4487% | 4,052 |
| Pretax return on assets | -1.6887% | 6,809 |
| Return on Equity (ROE) | 3.7725% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.7725% | 2,555 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.2585% | 475 |
| Assets per employee ($millions) | 4.8063% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,378 |
| Loan loss allowance to noncurrent loans | 78.1596% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 5,132 |
| Noncurrent loans to loans | 1.2802% | 4,788 |
| Net loans and leases to total assets | 76.3828% | 1,715 |
| Net loans and leases to deposits | 84.6135% | 3,160 |
| Net loans and leases to core deposits | 119.2688% | 2,005 |
| Total domestic deposits to total assets | 90.2726% | 852 |
| Equity capital to assets | 9.4143% | 4,535 |
| Core capital (leverage) ratio | 9.3136% | 3,954 |
| Tier 1 risk-based capital ratio | 13.2746% | 3,965 |
| Total risk-based capital ratio | 14.5015% | 3,927 |
| Memoranda: | ||
| Average total assets | $66,854,400 | 6,114 |
| Average earning assets | $63,465,800 | 6,019 |
| Average equity | $7,952,200 | 5,941 |
| Average total loans | $50,163,600 | 5,664 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 5,792 |
| Cost of funding earning assets | 1.8299% | 4,237 |
| Net interest margin | 3.3907% | 5,309 |
| Noninterest income to average assets | 0.0834% | 7,484 |
| Noninterest expense to average assets | 4.4649% | 772 |
| Loan and lease loss provision to assets | 0.6564% | 2,780 |
| Net operating income to assets | -1.8286% | 7,251 |
| Return on assets (ROA) | -1.8286% | 7,244 |
| Pretax return on assets | -1.8286% | 7,100 |
| Return on Equity (ROE) | -14.2554% | 7,150 |
| Retained earnings to average equity (ytd only) | -14.2554% | 7,089 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.6000% | 416 |
| Assets per employee ($millions) | 4.6144% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 6,839 |
| 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 | 79.3598% | 1,312 |
| Net loans and leases to deposits | 88.0249% | 2,953 |
| Net loans and leases to core deposits | 140.7197% | 883 |
| Total domestic deposits to total assets | 90.1560% | 711 |
| Equity capital to assets | 9.5061% | 4,742 |
| Core capital (leverage) ratio | 10.2615% | 3,009 |
| Tier 1 risk-based capital ratio | 13.7112% | 3,705 |
| Total risk-based capital ratio | 14.7299% | 3,801 |
| Memoranda: | ||
| Average total assets | $60,738,250 | 6,362 |
| Average earning assets | $57,488,750 | 6,281 |
| Average equity | $7,791,000 | 6,054 |
| Average total loans | $45,090,250 | 5,924 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0549% | 6,599 |
| Cost of funding earning assets | 1.8887% | 4,324 |
| Net interest margin | 3.1662% | 6,037 |
| Noninterest income to average assets | 0.0656% | 7,659 |
| Noninterest expense to average assets | 4.9274% | 539 |
| Loan and lease loss provision to assets | 0.6966% | 2,341 |
| Net operating income to assets | -2.6114% | 7,593 |
| Return on assets (ROA) | -2.6114% | 7,583 |
| Pretax return on assets | -2.6114% | 7,451 |
| Return on Equity (ROE) | -18.1212% | 7,457 |
| Retained earnings to average equity (ytd only) | -18.1212% | 7,395 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.5593% | 310 |
| Assets per employee ($millions) | 4.3665% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 6,840 |
| 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 | 76.4481% | 2,066 |
| Net loans and leases to deposits | 86.8085% | 3,390 |
| Net loans and leases to core deposits | 144.7879% | 806 |
| Total domestic deposits to total assets | 88.0653% | 1,731 |
| Equity capital to assets | 11.5530% | 2,504 |
| Core capital (leverage) ratio | 12.5723% | 1,587 |
| Tier 1 risk-based capital ratio | 16.9424% | 2,323 |
| Total risk-based capital ratio | 17.9410% | 2,342 |
| Memoranda: | ||
| Average total assets | $54,836,330 | 6,642 |
| Average earning assets | $51,039,670 | 6,593 |
| Average equity | $7,902,330 | 6,054 |
| Average total loans | $39,184,670 | 6,239 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 7,161 |
| Cost of funding earning assets | 2.0436% | 3,905 |
| Net interest margin | 2.8628% | 6,849 |
| Noninterest income to average assets | 0.0566% | 7,797 |
| Noninterest expense to average assets | 5.2681% | 407 |
| Loan and lease loss provision to assets | 0.6222% | 2,031 |
| Net operating income to assets | -3.2643% | 7,884 |
| Return on assets (ROA) | -3.2643% | 7,887 |
| Pretax return on assets | -3.2643% | 7,805 |
| Return on Equity (ROE) | -20.0248% | 7,752 |
| Retained earnings to average equity (ytd only) | -20.0248% | 7,643 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.6154% | 186 |
| Assets per employee ($millions) | 3.8331% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,836 |
| 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 | 69.9053% | 3,691 |
| Net loans and leases to deposits | 82.4049% | 4,220 |
| Net loans and leases to core deposits | 146.1565% | 851 |
| Total domestic deposits to total assets | 84.8315% | 3,285 |
| Equity capital to assets | 14.6691% | 1,189 |
| Core capital (leverage) ratio | 16.8155% | 676 |
| Tier 1 risk-based capital ratio | 24.3836% | 1,034 |
| Total risk-based capital ratio | 25.4120% | 1,035 |
| Memoranda: | ||
| Average total assets | $49,505,500 | 6,889 |
| Average earning assets | $44,431,500 | 6,905 |
| Average equity | $8,070,000 | 6,031 |
| Average total loans | $33,518,000 | 6,561 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3819% | 8,151 |
| Cost of funding earning assets | 1.9467% | 6,585 |
| Net interest margin | 1.4351% | 8,191 |
| Noninterest income to average assets | 0.0481% | 7,899 |
| Noninterest expense to average assets | 8.6340% | 194 |
| Loan and lease loss provision to assets | 0.7663% | 1,948 |
| Net operating income to assets | -8.0120% | 8,221 |
| Return on assets (ROA) | -8.0120% | 8,218 |
| Pretax return on assets | -8.0120% | 8,201 |
| Return on Equity (ROE) | -28.6697% | 7,938 |
| Retained earnings to average equity (ytd only) | -28.6697% | 7,888 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 621.8615% | 32 |
| Assets per employee ($millions) | 3.2391% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 6,799 |
| 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 | 63.8080% | 5,311 |
| Net loans and leases to deposits | 80.3951% | 4,976 |
| Net loans and leases to core deposits | 114.7759% | 3,258 |
| Total domestic deposits to total assets | 79.3680% | 5,248 |
| Equity capital to assets | 18.2327% | 623 |
| Core capital (leverage) ratio | 21.1544% | 366 |
| Tier 1 risk-based capital ratio | 30.3068% | 623 |
| Total risk-based capital ratio | 31.2415% | 623 |
| Memoranda: | ||
| Average total assets | $33,275,250 | 7,493 |
| Average earning assets | $31,077,500 | 7,457 |
| Average equity | $9,299,000 | 5,634 |
| Average total loans | $17,492,000 | 7,494 |