Home > The First National Bank of Layton > Performance and Condition Ratios
The First National Bank of Layton, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6424% | 397 |
| Cost of funding earning assets | 0.2198% | 5,070 |
| Net interest margin | 5.4226% | 144 |
| Noninterest income to average assets | 0.4398% | 2,913 |
| Noninterest expense to average assets | 3.5175% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0365% | 362 |
| Return on assets (ROA) | 2.0365% | 379 |
| Pretax return on assets | 2.0365% | 600 |
| Return on Equity (ROE) | 14.6846% | 817 |
| Retained earnings to average equity (ytd only) | 0.7212% | 4,379 |
| Net charge-offs to loans | -0.1195% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3326% | 3,341 |
| Assets per employee ($millions) | 4.3312% | 3,450 |
| Cash dividends to net income (ytd only)* | 95.0888% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 1,088 |
| Loan loss allowance to noncurrent loans | 417.7778% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 3,455 |
| Noncurrent loans to loans | 0.3800% | 3,227 |
| Net loans and leases to total assets | 74.3585% | 1,738 |
| Net loans and leases to deposits | 87.3653% | 1,951 |
| Net loans and leases to core deposits | 88.8366% | 2,607 |
| Total domestic deposits to total assets | 85.1121% | 2,640 |
| Equity capital to assets | 14.0747% | 1,010 |
| Core capital (leverage) ratio | 14.1037% | 922 |
| Tier 1 risk-based capital ratio | 16.5704% | 2,239 |
| Total risk-based capital ratio | 17.8232% | 2,195 |
| Memoranda: | ||
| Average total assets | $331,941,000 | 2,016 |
| Average earning assets | $313,059,000 | 1,984 |
| Average equity | $46,034,500 | 1,703 |
| Average total loans | $247,720,000 | 1,868 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5482% | 365 |
| Cost of funding earning assets | 0.2073% | 4,973 |
| Net interest margin | 5.3409% | 147 |
| Noninterest income to average assets | 1.0730% | 813 |
| Noninterest expense to average assets | 3.4718% | 1,032 |
| Loan and lease loss provision to assets | 0.0137% | 3,872 |
| Net operating income to assets | 2.6029% | 123 |
| Return on assets (ROA) | 2.6799% | 113 |
| Pretax return on assets | 2.6799% | 152 |
| Return on Equity (ROE) | 20.3640% | 233 |
| Retained earnings to average equity (ytd only) | 9.6792% | 687 |
| Net charge-offs to loans | 0.0232% | 2,948 |
| Credit loss provision to net charge-offs | 78.9474% | 2,882 |
| Earnings coverage of net charge-offs (x) | 150.8947% | 560 |
| Efficiency ratio | 57.0229% | 4,281 |
| Assets per employee ($millions) | 4.3469% | 3,390 |
| Cash dividends to net income (ytd only)* | 52.4691% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,095 |
| Loan loss allowance to noncurrent loans | 403.5417% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 3,433 |
| Noncurrent loans to loans | 0.3891% | 3,140 |
| Net loans and leases to total assets | 72.5556% | 2,166 |
| Net loans and leases to deposits | 84.9863% | 2,408 |
| Net loans and leases to core deposits | 86.2507% | 2,896 |
| Total domestic deposits to total assets | 85.3733% | 2,477 |
| Equity capital to assets | 13.6653% | 1,085 |
| Core capital (leverage) ratio | 13.8501% | 970 |
| Tier 1 risk-based capital ratio | 16.6180% | 2,199 |
| Total risk-based capital ratio | 17.8706% | 2,144 |
| Memoranda: | ||
| Average total assets | $328,710,200 | 2,000 |
| Average earning assets | $308,674,400 | 1,978 |
| Average equity | $43,257,800 | 1,732 |
| Average total loans | $245,880,200 | 1,846 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4465% | 402 |
| Cost of funding earning assets | 0.2072% | 4,993 |
| Net interest margin | 5.2393% | 169 |
| Noninterest income to average assets | 1.2387% | 623 |
| Noninterest expense to average assets | 3.4688% | 1,026 |
| Loan and lease loss provision to assets | 0.0183% | 3,646 |
| Net operating income to assets | 2.6661% | 120 |
| Return on assets (ROA) | 2.6637% | 118 |
| Pretax return on assets | 2.6637% | 174 |
| Return on Equity (ROE) | 20.4416% | 244 |
| Retained earnings to average equity (ytd only) | 11.9422% | 481 |
| Net charge-offs to loans | 0.0228% | 2,684 |
| Credit loss provision to net charge-offs | 107.1429% | 2,150 |
| Earnings coverage of net charge-offs (x) | 156.8532% | 521 |
| Efficiency ratio | 56.3738% | 4,333 |
| Assets per employee ($millions) | 4.1839% | 3,593 |
| Cash dividends to net income (ytd only)* | 41.5787% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,082 |
| Loan loss allowance to noncurrent loans | 391.2475% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 3,479 |
| Noncurrent loans to loans | 0.4091% | 3,185 |
| Net loans and leases to total assets | 73.2594% | 2,121 |
| Net loans and leases to deposits | 86.0670% | 2,355 |
| Net loans and leases to core deposits | 87.5217% | 2,872 |
| Total domestic deposits to total assets | 85.1190% | 2,564 |
| Equity capital to assets | 13.7524% | 1,039 |
| Core capital (leverage) ratio | 13.7608% | 1,007 |
| Tier 1 risk-based capital ratio | 16.7265% | 2,196 |
| Total risk-based capital ratio | 17.9796% | 2,141 |
| Memoranda: | ||
| Average total assets | $327,210,500 | 2,017 |
| Average earning assets | $306,927,250 | 1,998 |
| Average equity | $42,637,500 | 1,756 |
| Average total loans | $245,669,250 | 1,852 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 499 |
| Cost of funding earning assets | 0.2053% | 5,005 |
| Net interest margin | 5.0646% | 222 |
| Noninterest income to average assets | 0.4690% | 3,041 |
| Noninterest expense to average assets | 3.4168% | 1,117 |
| Loan and lease loss provision to assets | 0.0275% | 3,368 |
| Net operating income to assets | 1.7704% | 619 |
| Return on assets (ROA) | 1.7667% | 630 |
| Pretax return on assets | 1.7667% | 1,040 |
| Return on Equity (ROE) | 13.8124% | 1,127 |
| Retained earnings to average equity (ytd only) | 4.7840% | 3,194 |
| Net charge-offs to loans | 0.0170% | 2,576 |
| Credit loss provision to net charge-offs | 214.2857% | 1,241 |
| Earnings coverage of net charge-offs (x) | 140.1905% | 545 |
| Efficiency ratio | 65.5229% | 3,058 |
| Assets per employee ($millions) | 4.0658% | 3,792 |
| Cash dividends to net income (ytd only)* | 65.3647% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,078 |
| Loan loss allowance to noncurrent loans | 205.2493% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 2,360 |
| Noncurrent loans to loans | 0.7857% | 2,158 |
| Net loans and leases to total assets | 71.5540% | 2,347 |
| Net loans and leases to deposits | 82.9165% | 2,666 |
| Net loans and leases to core deposits | 85.5768% | 2,958 |
| Total domestic deposits to total assets | 86.2965% | 2,141 |
| Equity capital to assets | 12.6825% | 1,450 |
| Core capital (leverage) ratio | 13.3785% | 1,107 |
| Tier 1 risk-based capital ratio | 15.7919% | 2,518 |
| Total risk-based capital ratio | 17.0454% | 2,459 |
| Memoranda: | ||
| Average total assets | $327,499,670 | 2,020 |
| Average earning assets | $306,876,000 | 2,008 |
| Average equity | $41,890,000 | 1,796 |
| Average total loans | $246,570,330 | 1,855 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3165% | 394 |
| Cost of funding earning assets | 0.2080% | 4,968 |
| Net interest margin | 5.1085% | 190 |
| Noninterest income to average assets | 0.4400% | 3,181 |
| Noninterest expense to average assets | 3.4941% | 1,012 |
| Loan and lease loss provision to assets | 0.0555% | 2,657 |
| Net operating income to assets | 1.6725% | 722 |
| Return on assets (ROA) | 1.6638% | 749 |
| Pretax return on assets | 1.6638% | 1,212 |
| Return on Equity (ROE) | 12.9517% | 1,275 |
| Retained earnings to average equity (ytd only) | 1.7940% | 4,416 |
| Net charge-offs to loans | 0.0418% | 1,702 |
| Credit loss provision to net charge-offs | 173.0769% | 1,143 |
| Earnings coverage of net charge-offs (x) | 53.9231% | 906 |
| Efficiency ratio | 66.9105% | 3,017 |
| Assets per employee ($millions) | 3.9130% | 4,130 |
| Cash dividends to net income (ytd only)* | 86.1481% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 1,229 |
| Loan loss allowance to noncurrent loans | 1,030.3430% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 4,262 |
| Noncurrent loans to loans | 0.1524% | 4,299 |
| Net loans and leases to total assets | 74.4928% | 1,788 |
| Net loans and leases to deposits | 86.2100% | 2,140 |
| Net loans and leases to core deposits | 89.2399% | 2,518 |
| Total domestic deposits to total assets | 86.4085% | 2,359 |
| Equity capital to assets | 12.6529% | 1,404 |
| Core capital (leverage) ratio | 13.4111% | 1,037 |
| Tier 1 risk-based capital ratio | 15.3155% | 2,730 |
| Total risk-based capital ratio | 16.5685% | 2,671 |
| Memoranda: | ||
| Average total assets | $324,551,000 | 2,050 |
| Average earning assets | $303,807,500 | 2,034 |
| Average equity | $41,693,500 | 1,807 |
| Average total loans | $248,621,000 | 1,861 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2262% | 423 |
| Cost of funding earning assets | 0.1840% | 5,063 |
| Net interest margin | 5.0421% | 222 |
| Noninterest income to average assets | 0.5299% | 2,823 |
| Noninterest expense to average assets | 3.4733% | 1,082 |
| Loan and lease loss provision to assets | -0.0315% | 5,358 |
| Net operating income to assets | 1.8006% | 422 |
| Return on assets (ROA) | 1.8324% | 397 |
| Pretax return on assets | 1.8324% | 730 |
| Return on Equity (ROE) | 14.3051% | 717 |
| Retained earnings to average equity (ytd only) | 3.6962% | 3,015 |
| Net charge-offs to loans | -0.0004% | 4,474 |
| Credit loss provision to net charge-offs | 10,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2541% | 3,217 |
| Assets per employee ($millions) | 3.6829% | 4,457 |
| Cash dividends to net income (ytd only)* | 74.1619% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,234 |
| Loan loss allowance to noncurrent loans | 524.4265% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,766 |
| Noncurrent loans to loans | 0.2982% | 3,708 |
| Net loans and leases to total assets | 76.3395% | 1,533 |
| Net loans and leases to deposits | 89.1448% | 1,874 |
| Net loans and leases to core deposits | 90.7438% | 2,484 |
| Total domestic deposits to total assets | 85.6353% | 2,599 |
| Equity capital to assets | 13.0451% | 1,243 |
| Core capital (leverage) ratio | 13.0468% | 1,128 |
| Tier 1 risk-based capital ratio | 15.1446% | 2,777 |
| Total risk-based capital ratio | 16.3973% | 2,706 |
| Memoranda: | ||
| Average total assets | $317,447,400 | 2,076 |
| Average earning assets | $296,699,600 | 2,059 |
| Average equity | $40,663,800 | 1,828 |
| Average total loans | $236,036,200 | 1,900 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 486 |
| Cost of funding earning assets | 0.1816% | 5,129 |
| Net interest margin | 4.9367% | 257 |
| Noninterest income to average assets | 0.5077% | 2,987 |
| Noninterest expense to average assets | 3.4298% | 1,105 |
| Loan and lease loss provision to assets | -0.0421% | 5,510 |
| Net operating income to assets | 1.7332% | 548 |
| Return on assets (ROA) | 1.7757% | 502 |
| Pretax return on assets | 1.7757% | 936 |
| Return on Equity (ROE) | 13.9273% | 846 |
| Retained earnings to average equity (ytd only) | 2.3080% | 4,488 |
| Net charge-offs to loans | 0.0017% | 3,711 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,142 |
| Earnings coverage of net charge-offs (x) | 1,338.9675% | 74 |
| Efficiency ratio | 66.9763% | 3,053 |
| Assets per employee ($millions) | 3.6810% | 4,475 |
| Cash dividends to net income (ytd only)* | 83.4281% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,274 |
| Loan loss allowance to noncurrent loans | 328.9831% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 3,353 |
| Noncurrent loans to loans | 0.4814% | 3,240 |
| Net loans and leases to total assets | 75.3241% | 1,704 |
| Net loans and leases to deposits | 87.6200% | 2,111 |
| Net loans and leases to core deposits | 89.8621% | 2,624 |
| Total domestic deposits to total assets | 85.9668% | 2,328 |
| Equity capital to assets | 12.8663% | 1,459 |
| Core capital (leverage) ratio | 12.9330% | 1,239 |
| Tier 1 risk-based capital ratio | 15.1096% | 2,877 |
| Total risk-based capital ratio | 16.3625% | 2,797 |
| Memoranda: | ||
| Average total assets | $316,706,500 | 2,090 |
| Average earning assets | $295,955,750 | 2,074 |
| Average equity | $40,380,250 | 1,860 |
| Average total loans | $232,923,750 | 1,926 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 547 |
| Cost of funding earning assets | 0.1717% | 5,193 |
| Net interest margin | 4.8463% | 290 |
| Noninterest income to average assets | 0.5109% | 2,954 |
| Noninterest expense to average assets | 3.4292% | 1,112 |
| Loan and lease loss provision to assets | -0.0634% | 5,614 |
| Net operating income to assets | 1.6721% | 594 |
| Return on assets (ROA) | 1.7355% | 529 |
| Pretax return on assets | 1.7355% | 973 |
| Return on Equity (ROE) | 13.6539% | 882 |
| Retained earnings to average equity (ytd only) | 0.3591% | 5,005 |
| Net charge-offs to loans | -0.0009% | 4,132 |
| Credit loss provision to net charge-offs | 10,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0674% | 3,002 |
| Assets per employee ($millions) | 3.7334% | 4,381 |
| Cash dividends to net income (ytd only)* | 97.3703% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 1,216 |
| Loan loss allowance to noncurrent loans | 417.4006% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 3,761 |
| Noncurrent loans to loans | 0.3884% | 3,632 |
| Net loans and leases to total assets | 73.4491% | 1,968 |
| Net loans and leases to deposits | 85.1024% | 2,341 |
| Net loans and leases to core deposits | 87.9530% | 2,703 |
| Total domestic deposits to total assets | 86.3067% | 2,238 |
| Equity capital to assets | 12.6306% | 1,558 |
| Core capital (leverage) ratio | 12.9032% | 1,213 |
| Tier 1 risk-based capital ratio | 15.1526% | 2,865 |
| Total risk-based capital ratio | 16.4057% | 2,795 |
| Memoranda: | ||
| Average total assets | $315,526,000 | 2,103 |
| Average earning assets | $294,738,330 | 2,089 |
| Average equity | $40,105,670 | 1,865 |
| Average total loans | $228,863,000 | 1,950 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 599 |
| Cost of funding earning assets | 0.1562% | 5,327 |
| Net interest margin | 4.7661% | 326 |
| Noninterest income to average assets | 0.4246% | 3,483 |
| Noninterest expense to average assets | 3.4353% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4388% | 915 |
| Return on assets (ROA) | 1.4427% | 930 |
| Pretax return on assets | 1.4427% | 1,723 |
| Return on Equity (ROE) | 11.3134% | 1,458 |
| Retained earnings to average equity (ytd only) | -9.5783% | 5,567 |
| Net charge-offs to loans | -0.0054% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4802% | 2,821 |
| Assets per employee ($millions) | 3.7479% | 4,422 |
| Cash dividends to net income (ytd only)* | 184.6631% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 1,033 |
| Loan loss allowance to noncurrent loans | 357.9892% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 3,557 |
| Noncurrent loans to loans | 0.4917% | 3,326 |
| Net loans and leases to total assets | 71.5466% | 2,134 |
| Net loans and leases to deposits | 82.8463% | 2,415 |
| Net loans and leases to core deposits | 84.7299% | 2,832 |
| Total domestic deposits to total assets | 86.3606% | 2,505 |
| Equity capital to assets | 12.6956% | 1,403 |
| Core capital (leverage) ratio | 12.7102% | 1,248 |
| Tier 1 risk-based capital ratio | 15.4301% | 2,780 |
| Total risk-based capital ratio | 16.6845% | 2,717 |
| Memoranda: | ||
| Average total assets | $312,754,000 | 2,135 |
| Average earning assets | $291,979,500 | 2,124 |
| Average equity | $39,882,000 | 1,870 |
| Average total loans | $223,440,000 | 1,997 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 1,108 |
| Cost of funding earning assets | 0.1626% | 5,342 |
| Net interest margin | 4.5114% | 605 |
| Noninterest income to average assets | 0.7882% | 1,794 |
| Noninterest expense to average assets | 3.3802% | 1,404 |
| Loan and lease loss provision to assets | 0.0878% | 2,608 |
| Net operating income to assets | 1.5142% | 811 |
| Return on assets (ROA) | 1.5172% | 829 |
| Pretax return on assets | 1.5172% | 1,537 |
| Return on Equity (ROE) | 11.6759% | 1,347 |
| Retained earnings to average equity (ytd only) | 5.0325% | 2,320 |
| Net charge-offs to loans | -0.0044% | 4,792 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8453% | 3,269 |
| Assets per employee ($millions) | 3.6141% | 4,589 |
| Cash dividends to net income (ytd only)* | 56.8980% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8087% | 930 |
| Loan loss allowance to noncurrent loans | 346.5217% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 3,101 |
| Noncurrent loans to loans | 0.5220% | 3,286 |
| Net loans and leases to total assets | 68.8043% | 2,647 |
| Net loans and leases to deposits | 79.9626% | 2,893 |
| Net loans and leases to core deposits | 81.2281% | 3,289 |
| Total domestic deposits to total assets | 86.0456% | 2,558 |
| Equity capital to assets | 12.8076% | 1,344 |
| Core capital (leverage) ratio | 12.9782% | 1,139 |
| Tier 1 risk-based capital ratio | 16.2311% | 2,462 |
| Total risk-based capital ratio | 17.4859% | 2,395 |
| Memoranda: | ||
| Average total assets | $307,678,200 | 2,124 |
| Average earning assets | $286,031,400 | 2,123 |
| Average equity | $39,979,800 | 1,846 |
| Average total loans | $203,061,000 | 2,096 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 1,258 |
| Cost of funding earning assets | 0.1633% | 5,394 |
| Net interest margin | 4.4554% | 696 |
| Noninterest income to average assets | 0.8135% | 1,705 |
| Noninterest expense to average assets | 3.4323% | 1,280 |
| Loan and lease loss provision to assets | 0.0741% | 2,738 |
| Net operating income to assets | 1.4449% | 980 |
| Return on assets (ROA) | 1.4519% | 1,020 |
| Pretax return on assets | 1.4519% | 1,875 |
| Return on Equity (ROE) | 11.1323% | 1,625 |
| Retained earnings to average equity (ytd only) | 4.7075% | 3,006 |
| Net charge-offs to loans | -0.0114% | 4,816 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3215% | 2,994 |
| Assets per employee ($millions) | 3.8906% | 4,148 |
| Cash dividends to net income (ytd only)* | 57.7131% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8615% | 910 |
| Loan loss allowance to noncurrent loans | 118.2923% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.2626% | 1,544 |
| Noncurrent loans to loans | 1.5737% | 1,377 |
| Net loans and leases to total assets | 64.3314% | 3,354 |
| Net loans and leases to deposits | 74.7286% | 3,530 |
| Net loans and leases to core deposits | 75.6975% | 3,874 |
| Total domestic deposits to total assets | 86.0866% | 2,307 |
| Equity capital to assets | 12.7784% | 1,604 |
| Core capital (leverage) ratio | 12.8555% | 1,242 |
| Tier 1 risk-based capital ratio | 16.6871% | 2,339 |
| Total risk-based capital ratio | 17.9426% | 2,288 |
| Memoranda: | ||
| Average total assets | $305,990,000 | 2,139 |
| Average earning assets | $284,174,750 | 2,138 |
| Average equity | $39,907,000 | 1,861 |
| Average total loans | $198,744,500 | 2,134 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 1,240 |
| Cost of funding earning assets | 0.1637% | 5,465 |
| Net interest margin | 4.4501% | 692 |
| Noninterest income to average assets | 0.7486% | 1,939 |
| Noninterest expense to average assets | 3.4597% | 1,244 |
| Loan and lease loss provision to assets | 0.0796% | 2,548 |
| Net operating income to assets | 1.3360% | 1,197 |
| Return on assets (ROA) | 1.3373% | 1,269 |
| Pretax return on assets | 1.3373% | 2,257 |
| Return on Equity (ROE) | 10.1816% | 1,969 |
| Retained earnings to average equity (ytd only) | 4.6239% | 2,964 |
| Net charge-offs to loans | -0.0113% | 4,736 |
| Credit loss provision to net charge-offs | -1,090.9091% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9642% | 2,830 |
| Assets per employee ($millions) | 3.6757% | 4,482 |
| Cash dividends to net income (ytd only)* | 54.5860% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 926 |
| Loan loss allowance to noncurrent loans | 215.1991% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.9447% | 2,264 |
| Noncurrent loans to loans | 0.8743% | 2,554 |
| Net loans and leases to total assets | 65.5840% | 3,142 |
| Net loans and leases to deposits | 76.5087% | 3,325 |
| Net loans and leases to core deposits | 78.2167% | 3,624 |
| Total domestic deposits to total assets | 85.7210% | 2,548 |
| Equity capital to assets | 13.2799% | 1,337 |
| Core capital (leverage) ratio | 13.2691% | 1,065 |
| Tier 1 risk-based capital ratio | 16.8686% | 2,275 |
| Total risk-based capital ratio | 18.1246% | 2,221 |
| Memoranda: | ||
| Average total assets | $301,643,000 | 2,172 |
| Average earning assets | $279,721,670 | 2,173 |
| Average equity | $39,620,330 | 1,874 |
| Average total loans | $195,282,670 | 2,165 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 1,379 |
| Cost of funding earning assets | 0.1655% | 5,504 |
| Net interest margin | 4.3829% | 769 |
| Noninterest income to average assets | 0.8376% | 1,486 |
| Noninterest expense to average assets | 3.5303% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3684% | 1,097 |
| Return on assets (ROA) | 1.3710% | 1,157 |
| Pretax return on assets | 1.3710% | 1,999 |
| Return on Equity (ROE) | 10.4970% | 1,781 |
| Retained earnings to average equity (ytd only) | 1.6848% | 4,601 |
| Net charge-offs to loans | -0.0126% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0664% | 2,793 |
| Assets per employee ($millions) | 3.5526% | 4,740 |
| Cash dividends to net income (ytd only)* | 83.9494% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 930 |
| Loan loss allowance to noncurrent loans | 182.4975% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.2829% | 1,678 |
| Noncurrent loans to loans | 1.0552% | 2,284 |
| Net loans and leases to total assets | 62.6053% | 3,442 |
| Net loans and leases to deposits | 73.0281% | 3,548 |
| Net loans and leases to core deposits | 74.1646% | 3,880 |
| Total domestic deposits to total assets | 85.7278% | 2,797 |
| Equity capital to assets | 13.0850% | 1,367 |
| Core capital (leverage) ratio | 13.0568% | 1,138 |
| Tier 1 risk-based capital ratio | 17.4619% | 2,132 |
| Total risk-based capital ratio | 18.7181% | 2,104 |
| Memoranda: | ||
| Average total assets | $299,922,000 | 2,190 |
| Average earning assets | $277,897,000 | 2,193 |
| Average equity | $39,173,000 | 1,884 |
| Average total loans | $190,962,000 | 2,202 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,406 |
| Cost of funding earning assets | 0.1786% | 5,473 |
| Net interest margin | 4.3941% | 806 |
| Noninterest income to average assets | 0.8704% | 1,529 |
| Noninterest expense to average assets | 3.5557% | 1,200 |
| Loan and lease loss provision to assets | 0.0635% | 3,025 |
| Net operating income to assets | 1.3116% | 1,241 |
| Return on assets (ROA) | 1.3161% | 1,282 |
| Pretax return on assets | 1.3161% | 2,222 |
| Return on Equity (ROE) | 10.0863% | 1,978 |
| Retained earnings to average equity (ytd only) | 3.5786% | 3,512 |
| Net charge-offs to loans | -0.0237% | 5,327 |
| Credit loss provision to net charge-offs | -430.2326% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1124% | 2,894 |
| Assets per employee ($millions) | 3.5044% | 4,830 |
| Cash dividends to net income (ytd only)* | 64.5203% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9592% | 862 |
| Loan loss allowance to noncurrent loans | 305.7756% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 1.0246% | 2,144 |
| Noncurrent loans to loans | 0.6407% | 3,268 |
| Net loans and leases to total assets | 62.2601% | 3,520 |
| Net loans and leases to deposits | 72.5146% | 3,664 |
| Net loans and leases to core deposits | 74.1030% | 3,930 |
| Total domestic deposits to total assets | 85.8587% | 2,707 |
| Equity capital to assets | 13.0368% | 1,329 |
| Core capital (leverage) ratio | 13.0968% | 1,110 |
| Tier 1 risk-based capital ratio | 17.9555% | 1,977 |
| Total risk-based capital ratio | 19.2121% | 1,936 |
| Memoranda: | ||
| Average total assets | $291,472,200 | 2,201 |
| Average earning assets | $269,335,400 | 2,207 |
| Average equity | $38,031,800 | 1,885 |
| Average total loans | $181,761,400 | 2,220 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 1,462 |
| Cost of funding earning assets | 0.1798% | 5,554 |
| Net interest margin | 4.3681% | 847 |
| Noninterest income to average assets | 0.9098% | 1,424 |
| Noninterest expense to average assets | 3.5978% | 1,120 |
| Loan and lease loss provision to assets | 0.0598% | 2,988 |
| Net operating income to assets | 1.2856% | 1,380 |
| Return on assets (ROA) | 1.2884% | 1,425 |
| Pretax return on assets | 1.2884% | 2,437 |
| Return on Equity (ROE) | 9.8716% | 2,152 |
| Retained earnings to average equity (ytd only) | 3.0168% | 4,293 |
| Net charge-offs to loans | -0.0541% | 5,568 |
| Credit loss provision to net charge-offs | -178.0822% | 5,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7831% | 2,748 |
| Assets per employee ($millions) | 3.5554% | 4,695 |
| Cash dividends to net income (ytd only)* | 69.4396% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 1,093 |
| Loan loss allowance to noncurrent loans | 424.0783% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9570% | 2,458 |
| Noncurrent loans to loans | 0.4460% | 4,009 |
| Net loans and leases to total assets | 63.9314% | 3,319 |
| Net loans and leases to deposits | 74.3639% | 3,501 |
| Net loans and leases to core deposits | 75.9990% | 3,805 |
| Total domestic deposits to total assets | 85.9710% | 2,534 |
| Equity capital to assets | 12.8641% | 1,523 |
| Core capital (leverage) ratio | 12.9592% | 1,215 |
| Tier 1 risk-based capital ratio | 17.6305% | 2,147 |
| Total risk-based capital ratio | 18.8870% | 2,103 |
| Memoranda: | ||
| Average total assets | $289,872,000 | 2,224 |
| Average earning assets | $267,663,750 | 2,227 |
| Average equity | $37,831,500 | 1,905 |
| Average total loans | $179,911,250 | 2,251 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 1,550 |
| Cost of funding earning assets | 0.1798% | 5,613 |
| Net interest margin | 4.3167% | 888 |
| Noninterest income to average assets | 0.8343% | 1,654 |
| Noninterest expense to average assets | 3.6488% | 1,052 |
| Loan and lease loss provision to assets | 0.0139% | 3,841 |
| Net operating income to assets | 1.1535% | 1,768 |
| Return on assets (ROA) | 1.1535% | 1,832 |
| Pretax return on assets | 1.1535% | 2,960 |
| Return on Equity (ROE) | 8.7948% | 2,658 |
| Retained earnings to average equity (ytd only) | 2.1150% | 4,653 |
| Net charge-offs to loans | -0.0091% | 4,897 |
| Credit loss provision to net charge-offs | -250.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7598% | 2,405 |
| Assets per employee ($millions) | 3.4718% | 4,852 |
| Cash dividends to net income (ytd only)* | 75.9517% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 1,238 |
| Loan loss allowance to noncurrent loans | 359.5897% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 2,227 |
| Noncurrent loans to loans | 0.5186% | 3,901 |
| Net loans and leases to total assets | 63.2659% | 3,376 |
| Net loans and leases to deposits | 73.7931% | 3,518 |
| Net loans and leases to core deposits | 75.8602% | 3,785 |
| Total domestic deposits to total assets | 85.7342% | 2,826 |
| Equity capital to assets | 12.9618% | 1,423 |
| Core capital (leverage) ratio | 13.0841% | 1,138 |
| Tier 1 risk-based capital ratio | 18.0886% | 2,042 |
| Total risk-based capital ratio | 19.3446% | 1,997 |
| Memoranda: | ||
| Average total assets | $286,945,000 | 2,257 |
| Average earning assets | $264,690,000 | 2,272 |
| Average equity | $37,635,670 | 1,922 |
| Average total loans | $175,010,330 | 2,311 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 1,970 |
| Cost of funding earning assets | 0.1798% | 5,681 |
| Net interest margin | 4.1591% | 1,147 |
| Noninterest income to average assets | 0.8180% | 1,641 |
| Noninterest expense to average assets | 3.6557% | 1,063 |
| Loan and lease loss provision to assets | 0.0281% | 3,318 |
| Net operating income to assets | 0.9698% | 2,394 |
| Return on assets (ROA) | 0.9698% | 2,531 |
| Pretax return on assets | 0.9698% | 3,607 |
| Return on Equity (ROE) | 7.3496% | 3,299 |
| Retained earnings to average equity (ytd only) | -4.2074% | 5,875 |
| Net charge-offs to loans | -0.0309% | 5,275 |
| Credit loss provision to net charge-offs | -153.8462% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5563% | 2,106 |
| Assets per employee ($millions) | 3.4241% | 5,041 |
| Cash dividends to net income (ytd only)* | 157.2464% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 1,037 |
| Loan loss allowance to noncurrent loans | 180.5141% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4778% | 1,781 |
| Noncurrent loans to loans | 1.1200% | 2,535 |
| Net loans and leases to total assets | 58.4629% | 3,878 |
| Net loans and leases to deposits | 67.9607% | 3,961 |
| Net loans and leases to core deposits | 69.0852% | 4,235 |
| Total domestic deposits to total assets | 86.0245% | 2,923 |
| Equity capital to assets | 12.8471% | 1,483 |
| Core capital (leverage) ratio | 13.3268% | 1,042 |
| Tier 1 risk-based capital ratio | 18.6843% | 1,952 |
| Total risk-based capital ratio | 19.9418% | 1,906 |
| Memoranda: | ||
| Average total assets | $284,600,500 | 2,289 |
| Average earning assets | $262,459,500 | 2,297 |
| Average equity | $37,553,000 | 1,938 |
| Average total loans | $168,510,000 | 2,387 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 2,830 |
| Cost of funding earning assets | 0.2061% | 5,692 |
| Net interest margin | 4.0296% | 1,806 |
| Noninterest income to average assets | 1.4022% | 617 |
| Noninterest expense to average assets | 4.4969% | 463 |
| Loan and lease loss provision to assets | -0.1925% | 6,281 |
| Net operating income to assets | 0.7822% | 3,462 |
| Return on assets (ROA) | 0.8268% | 3,335 |
| Pretax return on assets | 0.8268% | 4,157 |
| Return on Equity (ROE) | 6.1379% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.7604% | 3,542 |
| Net charge-offs to loans | 0.0433% | 3,958 |
| Credit loss provision to net charge-offs | -792.4242% | 5,868 |
| Earnings coverage of net charge-offs (x) | 24.2727% | 1,546 |
| Efficiency ratio | 88.4064% | 957 |
| Assets per employee ($millions) | 3.3921% | 5,081 |
| Cash dividends to net income (ytd only)* | 38.7355% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 906 |
| Loan loss allowance to noncurrent loans | 221.5287% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4190% | 1,945 |
| Noncurrent loans to loans | 0.9611% | 2,923 |
| Net loans and leases to total assets | 57.4777% | 4,116 |
| Net loans and leases to deposits | 67.6536% | 4,158 |
| Net loans and leases to core deposits | 68.5923% | 4,441 |
| Total domestic deposits to total assets | 84.9587% | 3,298 |
| Equity capital to assets | 13.5590% | 1,134 |
| Core capital (leverage) ratio | 13.6300% | 927 |
| Tier 1 risk-based capital ratio | 19.7617% | 1,648 |
| Total risk-based capital ratio | 21.0197% | 1,619 |
| Memoranda: | ||
| Average total assets | $271,653,800 | 2,349 |
| Average earning assets | $248,384,800 | 2,358 |
| Average equity | $36,592,200 | 1,921 |
| Average total loans | $152,505,200 | 2,541 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 3,173 |
| Cost of funding earning assets | 0.2083% | 5,761 |
| Net interest margin | 3.9412% | 2,071 |
| Noninterest income to average assets | 1.6274% | 488 |
| Noninterest expense to average assets | 4.7189% | 379 |
| Loan and lease loss provision to assets | -0.2582% | 6,431 |
| Net operating income to assets | 0.7639% | 3,604 |
| Return on assets (ROA) | 0.8206% | 3,428 |
| Pretax return on assets | 0.8206% | 4,282 |
| Return on Equity (ROE) | 6.1026% | 4,183 |
| Retained earnings to average equity (ytd only) | 2.9081% | 4,525 |
| Net charge-offs to loans | -0.0579% | 5,967 |
| Credit loss provision to net charge-offs | 804.6154% | 386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3223% | 826 |
| Assets per employee ($millions) | 3.3271% | 5,198 |
| Cash dividends to net income (ytd only)* | 52.3466% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3791% | 754 |
| Loan loss allowance to noncurrent loans | 198.7335% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.5263% | 2,015 |
| Noncurrent loans to loans | 1.1971% | 2,656 |
| Net loans and leases to total assets | 53.6253% | 4,620 |
| Net loans and leases to deposits | 63.0148% | 4,640 |
| Net loans and leases to core deposits | 64.1448% | 4,868 |
| Total domestic deposits to total assets | 85.0996% | 3,301 |
| Equity capital to assets | 13.3701% | 1,250 |
| Core capital (leverage) ratio | 13.2845% | 1,071 |
| Tier 1 risk-based capital ratio | 20.9147% | 1,469 |
| Total risk-based capital ratio | 22.1753% | 1,447 |
| Memoranda: | ||
| Average total assets | $270,028,500 | 2,374 |
| Average earning assets | $246,448,750 | 2,390 |
| Average equity | $36,311,500 | 1,945 |
| Average total loans | $149,792,750 | 2,579 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,532 |
| Cost of funding earning assets | 0.2097% | 5,827 |
| Net interest margin | 3.8419% | 2,404 |
| Noninterest income to average assets | 1.9755% | 354 |
| Noninterest expense to average assets | 5.1853% | 279 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2911% | 5,600 |
| Return on assets (ROA) | 0.3784% | 5,367 |
| Pretax return on assets | 0.3784% | 5,617 |
| Return on Equity (ROE) | 2.8082% | 5,590 |
| Retained earnings to average equity (ytd only) | -2.0106% | 5,992 |
| Net charge-offs to loans | 0.1059% | 2,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.9367% | 3,013 |
| Efficiency ratio | 94.6852% | 610 |
| Assets per employee ($millions) | 3.1124% | 5,575 |
| Cash dividends to net income (ytd only)* | 171.5976% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7270% | 517 |
| Loan loss allowance to noncurrent loans | 174.7590% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 2.1962% | 1,388 |
| Noncurrent loans to loans | 1.5604% | 2,219 |
| Net loans and leases to total assets | 50.7836% | 4,880 |
| Net loans and leases to deposits | 59.0660% | 4,945 |
| Net loans and leases to core deposits | 60.9204% | 5,061 |
| Total domestic deposits to total assets | 85.9777% | 3,054 |
| Equity capital to assets | 12.8260% | 1,474 |
| Core capital (leverage) ratio | 13.0438% | 1,140 |
| Tier 1 risk-based capital ratio | 20.6153% | 1,535 |
| Total risk-based capital ratio | 21.8790% | 1,506 |
| Memoranda: | ||
| Average total assets | $267,987,000 | 2,388 |
| Average earning assets | $244,202,670 | 2,400 |
| Average equity | $36,108,000 | 1,946 |
| Average total loans | $149,158,000 | 2,590 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,460 |
| Cost of funding earning assets | 0.2129% | 5,897 |
| Net interest margin | 3.8396% | 2,303 |
| Noninterest income to average assets | 2.8329% | 201 |
| Noninterest expense to average assets | 6.2935% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0367% | 6,153 |
| Return on assets (ROA) | 0.0947% | 6,069 |
| Pretax return on assets | 0.0947% | 6,086 |
| Return on Equity (ROE) | 0.6851% | 6,105 |
| Retained earnings to average equity (ytd only) | 0.6851% | 5,320 |
| Net charge-offs to loans | 0.1886% | 1,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.3380% | 3,371 |
| Efficiency ratio | 99.4210% | 485 |
| Assets per employee ($millions) | 2.4331% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7405% | 593 |
| Loan loss allowance to noncurrent loans | 130.7164% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 2.3434% | 1,396 |
| Noncurrent loans to loans | 2.0965% | 1,762 |
| Net loans and leases to total assets | 52.5091% | 4,614 |
| Net loans and leases to deposits | 62.0221% | 4,544 |
| Net loans and leases to core deposits | 63.1177% | 4,777 |
| Total domestic deposits to total assets | 84.6619% | 4,015 |
| Equity capital to assets | 13.3876% | 1,144 |
| Core capital (leverage) ratio | 13.8453% | 871 |
| Tier 1 risk-based capital ratio | 20.7858% | 1,516 |
| Total risk-based capital ratio | 22.0490% | 1,487 |
| Memoranda: | ||
| Average total assets | $261,921,500 | 2,442 |
| Average earning assets | $238,568,500 | 2,460 |
| Average equity | $36,198,000 | 1,925 |
| Average total loans | $150,616,000 | 2,571 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 2,765 |
| Cost of funding earning assets | 0.2229% | 6,155 |
| Net interest margin | 4.1301% | 1,569 |
| Noninterest income to average assets | 14.0845% | 51 |
| Noninterest expense to average assets | 16.2304% | 46 |
| Loan and lease loss provision to assets | 0.0752% | 3,606 |
| Net operating income to assets | 1.5181% | 787 |
| Return on assets (ROA) | 1.5181% | 827 |
| Pretax return on assets | 1.5181% | 1,389 |
| Return on Equity (ROE) | 11.0367% | 1,755 |
| Retained earnings to average equity (ytd only) | 5.1004% | 2,523 |
| Net charge-offs to loans | 0.1142% | 3,676 |
| Credit loss provision to net charge-offs | 112.3596% | 2,147 |
| Earnings coverage of net charge-offs (x) | 23.8202% | 1,393 |
| Efficiency ratio | 91.0613% | 946 |
| Assets per employee ($millions) | 1.1803% | 6,745 |
| Cash dividends to net income (ytd only)* | 53.7871% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6168% | 719 |
| Loan loss allowance to noncurrent loans | 127.2528% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 2.6655% | 1,259 |
| Noncurrent loans to loans | 2.0564% | 1,926 |
| Net loans and leases to total assets | 59.6432% | 3,780 |
| Net loans and leases to deposits | 71.4556% | 3,600 |
| Net loans and leases to core deposits | 72.8710% | 3,969 |
| Total domestic deposits to total assets | 83.4689% | 4,375 |
| Equity capital to assets | 14.2806% | 833 |
| Core capital (leverage) ratio | 13.6258% | 920 |
| Tier 1 risk-based capital ratio | 19.4192% | 1,815 |
| Total risk-based capital ratio | 20.6816% | 1,770 |
| Memoranda: | ||
| Average total assets | $266,130,200 | 2,385 |
| Average earning assets | $240,938,600 | 2,416 |
| Average equity | $36,605,000 | 1,891 |
| Average total loans | $155,928,400 | 2,478 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 3,026 |
| Cost of funding earning assets | 0.2233% | 6,279 |
| Net interest margin | 4.0694% | 1,730 |
| Noninterest income to average assets | 16.8348% | 43 |
| Noninterest expense to average assets | 18.5666% | 39 |
| Loan and lease loss provision to assets | 0.0990% | 3,107 |
| Net operating income to assets | 1.8517% | 476 |
| Return on assets (ROA) | 1.8517% | 491 |
| Pretax return on assets | 1.8517% | 796 |
| Return on Equity (ROE) | 13.5850% | 1,102 |
| Retained earnings to average equity (ytd only) | 11.1979% | 538 |
| Net charge-offs to loans | 0.0256% | 4,614 |
| Credit loss provision to net charge-offs | 666.6667% | 433 |
| Earnings coverage of net charge-offs (x) | 131.2968% | 407 |
| Efficiency ratio | 90.4922% | 954 |
| Assets per employee ($millions) | 1.0172% | 6,830 |
| Cash dividends to net income (ytd only)* | 17.5716% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7150% | 728 |
| Loan loss allowance to noncurrent loans | 294.1382% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 2.0225% | 1,985 |
| Noncurrent loans to loans | 0.9231% | 3,971 |
| Net loans and leases to total assets | 55.6091% | 4,373 |
| Net loans and leases to deposits | 66.3607% | 4,262 |
| Net loans and leases to core deposits | 68.2065% | 4,510 |
| Total domestic deposits to total assets | 83.7982% | 4,282 |
| Equity capital to assets | 13.7834% | 1,026 |
| Core capital (leverage) ratio | 13.8335% | 910 |
| Tier 1 risk-based capital ratio | 20.2487% | 1,671 |
| Total risk-based capital ratio | 21.5124% | 1,645 |
| Memoranda: | ||
| Average total assets | $269,221,750 | 2,373 |
| Average earning assets | $243,632,500 | 2,405 |
| Average equity | $36,696,500 | 1,900 |
| Average total loans | $156,055,500 | 2,482 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,904 |
| Cost of funding earning assets | 0.2285% | 6,316 |
| Net interest margin | 4.0829% | 1,588 |
| Noninterest income to average assets | 21.6905% | 34 |
| Noninterest expense to average assets | 22.7410% | 33 |
| Loan and lease loss provision to assets | 0.1490% | 2,470 |
| Net operating income to assets | 2.4885% | 180 |
| Return on assets (ROA) | 2.4885% | 188 |
| Pretax return on assets | 2.4885% | 279 |
| Return on Equity (ROE) | 18.3263% | 436 |
| Retained earnings to average equity (ytd only) | 14.7214% | 256 |
| Net charge-offs to loans | 0.1139% | 3,224 |
| Credit loss provision to net charge-offs | 224.7191% | 1,093 |
| Earnings coverage of net charge-offs (x) | 39.7753% | 929 |
| Efficiency ratio | 89.6072% | 1,075 |
| Assets per employee ($millions) | 0.8236% | 6,889 |
| Cash dividends to net income (ytd only)* | 19.6707% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7601% | 744 |
| Loan loss allowance to noncurrent loans | 288.0111% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 2.1236% | 2,032 |
| Noncurrent loans to loans | 0.9583% | 4,015 |
| Net loans and leases to total assets | 54.3700% | 4,534 |
| Net loans and leases to deposits | 65.2602% | 4,348 |
| Net loans and leases to core deposits | 66.5662% | 4,634 |
| Total domestic deposits to total assets | 83.3127% | 4,585 |
| Equity capital to assets | 13.7222% | 1,045 |
| Core capital (leverage) ratio | 13.8942% | 849 |
| Tier 1 risk-based capital ratio | 20.0812% | 1,702 |
| Total risk-based capital ratio | 21.3447% | 1,666 |
| Memoranda: | ||
| Average total assets | $268,431,000 | 2,389 |
| Average earning assets | $242,475,670 | 2,425 |
| Average equity | $36,450,330 | 1,915 |
| Average total loans | $156,325,330 | 2,488 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 2,472 |
| Cost of funding earning assets | 0.2347% | 6,380 |
| Net interest margin | 4.1791% | 1,245 |
| Noninterest income to average assets | 24.4720% | 31 |
| Noninterest expense to average assets | 24.6511% | 31 |
| Loan and lease loss provision to assets | 0.2985% | 1,170 |
| Net operating income to assets | 3.2956% | 88 |
| Return on assets (ROA) | 3.2956% | 93 |
| Pretax return on assets | 3.2956% | 124 |
| Return on Equity (ROE) | 24.3988% | 133 |
| Retained earnings to average equity (ytd only) | 24.3988% | 67 |
| Net charge-offs to loans | 0.0176% | 3,806 |
| Credit loss provision to net charge-offs | 2,857.1429% | 110 |
| Earnings coverage of net charge-offs (x) | 344.0000% | 109 |
| Efficiency ratio | 87.2754% | 1,391 |
| Assets per employee ($millions) | 0.7303% | 6,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7535% | 861 |
| Loan loss allowance to noncurrent loans | 156.2108% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 3.0171% | 1,484 |
| Noncurrent loans to loans | 1.7627% | 2,920 |
| Net loans and leases to total assets | 55.9935% | 4,074 |
| Net loans and leases to deposits | 67.4110% | 3,851 |
| Net loans and leases to core deposits | 68.8258% | 4,203 |
| Total domestic deposits to total assets | 83.0629% | 4,837 |
| Equity capital to assets | 13.9346% | 1,049 |
| Core capital (leverage) ratio | 13.9215% | 818 |
| Tier 1 risk-based capital ratio | 20.5446% | 1,644 |
| Total risk-based capital ratio | 21.8095% | 1,611 |
| Memoranda: | ||
| Average total assets | $267,996,000 | 2,414 |
| Average earning assets | $241,965,000 | 2,453 |
| Average equity | $36,198,500 | 1,950 |
| Average total loans | $159,200,500 | 2,457 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 3,752 |
| Cost of funding earning assets | 0.3047% | 6,431 |
| Net interest margin | 4.1112% | 1,956 |
| Noninterest income to average assets | 21.2242% | 39 |
| Noninterest expense to average assets | 23.4060% | 29 |
| Loan and lease loss provision to assets | 0.9764% | 432 |
| Net operating income to assets | 0.5155% | 4,618 |
| Return on assets (ROA) | 0.4857% | 4,994 |
| Pretax return on assets | 0.4857% | 5,324 |
| Return on Equity (ROE) | 3.6356% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.6356% | 3,652 |
| Net charge-offs to loans | 1.5823% | 539 |
| Credit loss provision to net charge-offs | 102.7721% | 2,924 |
| Earnings coverage of net charge-offs (x) | 1.5703% | 4,655 |
| Efficiency ratio | 94.0077% | 799 |
| Assets per employee ($millions) | 0.7146% | 7,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4591% | 1,172 |
| Loan loss allowance to noncurrent loans | 143.6945% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 3.1390% | 1,491 |
| Noncurrent loans to loans | 1.7114% | 3,047 |
| Net loans and leases to total assets | 59.7143% | 3,652 |
| Net loans and leases to deposits | 70.9016% | 3,576 |
| Net loans and leases to core deposits | 72.5279% | 3,975 |
| Total domestic deposits to total assets | 84.2214% | 4,215 |
| Equity capital to assets | 13.0818% | 1,402 |
| Core capital (leverage) ratio | 13.0898% | 1,086 |
| Tier 1 risk-based capital ratio | 19.3419% | 1,856 |
| Total risk-based capital ratio | 20.6057% | 1,825 |
| Memoranda: | ||
| Average total assets | $258,186,000 | 2,455 |
| Average earning assets | $230,714,000 | 2,498 |
| Average equity | $34,492,200 | 2,009 |
| Average total loans | $155,024,000 | 2,504 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 3,661 |
| Cost of funding earning assets | 0.3207% | 6,509 |
| Net interest margin | 4.1737% | 1,814 |
| Noninterest income to average assets | 21.8515% | 37 |
| Noninterest expense to average assets | 23.7036% | 29 |
| Loan and lease loss provision to assets | 1.3726% | 250 |
| Net operating income to assets | 0.4967% | 4,853 |
| Return on assets (ROA) | 0.5045% | 5,090 |
| Pretax return on assets | 0.5045% | 5,456 |
| Return on Equity (ROE) | 3.7558% | 5,381 |
| Retained earnings to average equity (ytd only) | 3.7558% | 4,248 |
| Net charge-offs to loans | 2.0647% | 340 |
| Credit loss provision to net charge-offs | 111.2944% | 2,633 |
| Earnings coverage of net charge-offs (x) | 1.5157% | 4,525 |
| Efficiency ratio | 92.6903% | 846 |
| Assets per employee ($millions) | 0.6546% | 7,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7573% | 925 |
| Loan loss allowance to noncurrent loans | 167.6808% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 4.1558% | 1,152 |
| Noncurrent loans to loans | 1.6444% | 3,325 |
| Net loans and leases to total assets | 57.4500% | 4,212 |
| Net loans and leases to deposits | 68.3234% | 4,131 |
| Net loans and leases to core deposits | 70.4959% | 4,436 |
| Total domestic deposits to total assets | 84.0855% | 4,176 |
| Equity capital to assets | 13.4123% | 1,387 |
| Core capital (leverage) ratio | 13.2112% | 1,105 |
| Tier 1 risk-based capital ratio | 20.1855% | 1,711 |
| Total risk-based capital ratio | 21.4595% | 1,672 |
| Memoranda: | ||
| Average total assets | $255,561,000 | 2,500 |
| Average earning assets | $227,864,750 | 2,552 |
| Average equity | $34,328,000 | 2,032 |
| Average total loans | $152,657,750 | 2,564 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 3,667 |
| Cost of funding earning assets | 0.3436% | 6,537 |
| Net interest margin | 4.1798% | 1,804 |
| Noninterest income to average assets | 20.0343% | 40 |
| Noninterest expense to average assets | 21.7869% | 36 |
| Loan and lease loss provision to assets | 1.7061% | 199 |
| Net operating income to assets | 0.2686% | 5,710 |
| Return on assets (ROA) | 0.2804% | 5,873 |
| Pretax return on assets | 0.2804% | 5,991 |
| Return on Equity (ROE) | 2.0866% | 6,018 |
| Retained earnings to average equity (ytd only) | 2.0866% | 5,155 |
| Net charge-offs to loans | 1.8957% | 459 |
| Credit loss provision to net charge-offs | 150.1040% | 1,839 |
| Earnings coverage of net charge-offs (x) | 1.7374% | 4,116 |
| Efficiency ratio | 91.6893% | 945 |
| Assets per employee ($millions) | 0.5400% | 7,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1825% | 653 |
| Loan loss allowance to noncurrent loans | 108.0460% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 5.1128% | 924 |
| Noncurrent loans to loans | 2.9455% | 2,023 |
| Net loans and leases to total assets | 57.1849% | 4,303 |
| Net loans and leases to deposits | 67.6620% | 4,256 |
| Net loans and leases to core deposits | 69.7548% | 4,557 |
| Total domestic deposits to total assets | 84.5156% | 4,093 |
| Equity capital to assets | 13.7039% | 1,212 |
| Core capital (leverage) ratio | 13.3692% | 1,029 |
| Tier 1 risk-based capital ratio | 20.6367% | 1,541 |
| Total risk-based capital ratio | 21.9147% | 1,519 |
| Memoranda: | ||
| Average total assets | $253,905,000 | 2,510 |
| Average earning assets | $226,424,330 | 2,570 |
| Average equity | $34,123,000 | 2,026 |
| Average total loans | $152,237,670 | 2,581 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 4,332 |
| Cost of funding earning assets | 0.3725% | 6,540 |
| Net interest margin | 4.0279% | 2,383 |
| Noninterest income to average assets | 15.5254% | 49 |
| Noninterest expense to average assets | 17.3985% | 42 |
| Loan and lease loss provision to assets | 1.7183% | 189 |
| Net operating income to assets | 0.0094% | 6,397 |
| Return on assets (ROA) | 0.0328% | 6,478 |
| Pretax return on assets | 0.0328% | 6,478 |
| Return on Equity (ROE) | 0.2467% | 6,483 |
| Retained earnings to average equity (ytd only) | 0.2467% | 5,901 |
| Net charge-offs to loans | 3.4974% | 188 |
| Credit loss provision to net charge-offs | 81.3472% | 2,700 |
| Earnings coverage of net charge-offs (x) | 0.8179% | 3,922 |
| Efficiency ratio | 90.9671% | 1,019 |
| Assets per employee ($millions) | 0.6577% | 7,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4009% | 1,502 |
| Loan loss allowance to noncurrent loans | 70.5492% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 5.1496% | 996 |
| Noncurrent loans to loans | 3.4031% | 1,849 |
| Net loans and leases to total assets | 59.0341% | 3,849 |
| Net loans and leases to deposits | 69.0513% | 3,864 |
| Net loans and leases to core deposits | 72.0472% | 4,149 |
| Total domestic deposits to total assets | 85.4931% | 3,794 |
| Equity capital to assets | 13.2944% | 1,322 |
| Core capital (leverage) ratio | 13.2373% | 1,045 |
| Tier 1 risk-based capital ratio | 19.9829% | 1,717 |
| Total risk-based capital ratio | 21.2506% | 1,683 |
| Memoranda: | ||
| Average total assets | $255,838,500 | 2,508 |
| Average earning assets | $228,705,000 | 2,555 |
| Average equity | $34,052,000 | 2,033 |
| Average total loans | $154,514,500 | 2,562 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 4,356 |
| Cost of funding earning assets | 0.5747% | 6,214 |
| Net interest margin | 4.0993% | 2,428 |
| Noninterest income to average assets | 8.3349% | 74 |
| Noninterest expense to average assets | 11.1813% | 69 |
| Loan and lease loss provision to assets | 0.5462% | 1,912 |
| Net operating income to assets | 0.2463% | 5,432 |
| Return on assets (ROA) | 0.3473% | 5,239 |
| Pretax return on assets | 0.3473% | 5,433 |
| Return on Equity (ROE) | 2.5895% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.5895% | 4,381 |
| Net charge-offs to loans | 1.2179% | 1,378 |
| Credit loss provision to net charge-offs | 79.3064% | 4,488 |
| Earnings coverage of net charge-offs (x) | 1.1507% | 4,929 |
| Efficiency ratio | 93.3817% | 962 |
| Assets per employee ($millions) | 0.8152% | 7,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5845% | 1,215 |
| Loan loss allowance to noncurrent loans | 85.1606% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 4.4837% | 1,227 |
| Noncurrent loans to loans | 3.0349% | 2,140 |
| Net loans and leases to total assets | 58.7453% | 4,239 |
| Net loans and leases to deposits | 68.9688% | 4,278 |
| Net loans and leases to core deposits | 73.1417% | 4,359 |
| Total domestic deposits to total assets | 85.1766% | 3,757 |
| Equity capital to assets | 13.3256% | 1,349 |
| Core capital (leverage) ratio | 12.9608% | 1,160 |
| Tier 1 risk-based capital ratio | 19.7473% | 1,697 |
| Total risk-based capital ratio | 21.0061% | 1,664 |
| Memoranda: | ||
| Average total assets | $255,409,200 | 2,465 |
| Average earning assets | $226,722,800 | 2,541 |
| Average equity | $34,253,400 | 1,956 |
| Average total loans | $144,432,200 | 2,722 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 4,347 |
| Cost of funding earning assets | 0.6140% | 6,221 |
| Net interest margin | 4.1086% | 2,438 |
| Noninterest income to average assets | 7.3129% | 84 |
| Noninterest expense to average assets | 9.7100% | 76 |
| Loan and lease loss provision to assets | 0.5313% | 1,858 |
| Net operating income to assets | 0.7108% | 3,557 |
| Return on assets (ROA) | 0.8204% | 3,224 |
| Pretax return on assets | 0.8204% | 4,053 |
| Return on Equity (ROE) | 6.1078% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.1078% | 2,492 |
| Net charge-offs to loans | 1.3533% | 1,120 |
| Credit loss provision to net charge-offs | 70.5964% | 4,464 |
| Earnings coverage of net charge-offs (x) | 1.6505% | 4,410 |
| Efficiency ratio | 88.6586% | 1,278 |
| Assets per employee ($millions) | 1.0004% | 7,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 1,099 |
| Loan loss allowance to noncurrent loans | 79.7273% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 6.6481% | 767 |
| Noncurrent loans to loans | 3.4196% | 2,013 |
| Net loans and leases to total assets | 54.9986% | 4,997 |
| Net loans and leases to deposits | 64.5746% | 5,099 |
| Net loans and leases to core deposits | 69.1925% | 5,041 |
| Total domestic deposits to total assets | 85.1706% | 3,696 |
| Equity capital to assets | 13.7983% | 1,245 |
| Core capital (leverage) ratio | 13.3631% | 1,091 |
| Tier 1 risk-based capital ratio | 20.3036% | 1,619 |
| Total risk-based capital ratio | 21.5703% | 1,581 |
| Memoranda: | ||
| Average total assets | $255,468,750 | 2,478 |
| Average earning assets | $226,282,500 | 2,554 |
| Average equity | $34,316,000 | 1,954 |
| Average total loans | $142,070,750 | 2,776 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 4,415 |
| Cost of funding earning assets | 0.6592% | 6,173 |
| Net interest margin | 4.0670% | 2,542 |
| Noninterest income to average assets | 6.2769% | 109 |
| Noninterest expense to average assets | 8.6401% | 97 |
| Loan and lease loss provision to assets | 0.1665% | 4,267 |
| Net operating income to assets | 1.0863% | 1,913 |
| Return on assets (ROA) | 1.1902% | 1,696 |
| Pretax return on assets | 1.1902% | 2,520 |
| Return on Equity (ROE) | 8.9411% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.9411% | 1,126 |
| Net charge-offs to loans | 0.5398% | 2,474 |
| Credit loss provision to net charge-offs | 55.7592% | 4,444 |
| Earnings coverage of net charge-offs (x) | 4.1963% | 2,932 |
| Efficiency ratio | 87.3371% | 1,475 |
| Assets per employee ($millions) | 1.1088% | 7,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0419% | 860 |
| Loan loss allowance to noncurrent loans | 98.4891% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 5.7203% | 1,011 |
| Noncurrent loans to loans | 3.0885% | 2,333 |
| Net loans and leases to total assets | 52.8332% | 5,460 |
| Net loans and leases to deposits | 62.7187% | 5,425 |
| Net loans and leases to core deposits | 66.7674% | 5,415 |
| Total domestic deposits to total assets | 84.2383% | 4,238 |
| Equity capital to assets | 13.9179% | 1,125 |
| Core capital (leverage) ratio | 13.0709% | 1,126 |
| Tier 1 risk-based capital ratio | 18.4244% | 2,036 |
| Total risk-based capital ratio | 19.6891% | 1,980 |
| Memoranda: | ||
| Average total assets | $255,924,000 | 2,486 |
| Average earning assets | $227,536,330 | 2,556 |
| Average equity | $34,067,330 | 1,955 |
| Average total loans | $141,537,670 | 2,814 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 5,126 |
| Cost of funding earning assets | 0.7012% | 6,128 |
| Net interest margin | 3.8594% | 3,340 |
| Noninterest income to average assets | 6.0890% | 114 |
| Noninterest expense to average assets | 8.7305% | 91 |
| Loan and lease loss provision to assets | 0.2449% | 3,215 |
| Net operating income to assets | 0.5689% | 4,184 |
| Return on assets (ROA) | 0.7751% | 3,215 |
| Pretax return on assets | 0.7751% | 3,989 |
| Return on Equity (ROE) | 5.9550% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.9550% | 2,669 |
| Net charge-offs to loans | 0.0445% | 4,499 |
| Credit loss provision to net charge-offs | 987.5000% | 395 |
| Earnings coverage of net charge-offs (x) | 32.8125% | 783 |
| Efficiency ratio | 91.4731% | 1,202 |
| Assets per employee ($millions) | 1.1555% | 7,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3277% | 698 |
| Loan loss allowance to noncurrent loans | 62.0313% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 5.4156% | 1,126 |
| Noncurrent loans to loans | 5.3645% | 1,223 |
| Net loans and leases to total assets | 50.0923% | 5,839 |
| Net loans and leases to deposits | 58.4294% | 5,888 |
| Net loans and leases to core deposits | 64.0098% | 5,728 |
| Total domestic deposits to total assets | 85.7314% | 3,679 |
| Equity capital to assets | 13.0174% | 1,374 |
| Core capital (leverage) ratio | 12.7019% | 1,240 |
| Tier 1 risk-based capital ratio | 17.0059% | 2,472 |
| Total risk-based capital ratio | 18.2710% | 2,440 |
| Memoranda: | ||
| Average total assets | $258,037,000 | 2,491 |
| Average earning assets | $231,021,500 | 2,532 |
| Average equity | $33,585,500 | 1,962 |
| Average total loans | $143,730,500 | 2,809 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 5,347 |
| Cost of funding earning assets | 0.9997% | 5,695 |
| Net interest margin | 3.8202% | 3,868 |
| Noninterest income to average assets | 3.9782% | 167 |
| Noninterest expense to average assets | 6.7990% | 167 |
| Loan and lease loss provision to assets | 0.2498% | 4,797 |
| Net operating income to assets | 0.3282% | 4,838 |
| Return on assets (ROA) | 0.3778% | 4,795 |
| Pretax return on assets | 0.3778% | 5,011 |
| Return on Equity (ROE) | 3.1613% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.1613% | 3,651 |
| Net charge-offs to loans | 0.9662% | 2,245 |
| Credit loss provision to net charge-offs | 45.8194% | 6,319 |
| Earnings coverage of net charge-offs (x) | 1.0602% | 5,051 |
| Efficiency ratio | 92.1647% | 1,171 |
| Assets per employee ($millions) | 0.8892% | 7,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8420% | 1,008 |
| Loan loss allowance to noncurrent loans | 61.7848% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 5.7149% | 1,069 |
| Noncurrent loans to loans | 4.5999% | 1,529 |
| Net loans and leases to total assets | 57.9505% | 5,031 |
| Net loans and leases to deposits | 68.3392% | 5,056 |
| Net loans and leases to core deposits | 75.4888% | 4,787 |
| Total domestic deposits to total assets | 84.7983% | 3,946 |
| Equity capital to assets | 13.0141% | 1,386 |
| Core capital (leverage) ratio | 11.9843% | 1,559 |
| Tier 1 risk-based capital ratio | 15.5225% | 2,988 |
| Total risk-based capital ratio | 16.5525% | 3,058 |
| Memoranda: | ||
| Average total assets | $274,216,400 | 2,328 |
| Average earning assets | $243,965,400 | 2,397 |
| Average equity | $32,771,400 | 2,008 |
| Average total loans | $154,732,800 | 2,687 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 5,641 |
| Cost of funding earning assets | 1.0486% | 5,702 |
| Net interest margin | 3.7558% | 4,162 |
| Noninterest income to average assets | 2.8398% | 229 |
| Noninterest expense to average assets | 5.5154% | 271 |
| Loan and lease loss provision to assets | 0.3276% | 3,968 |
| Net operating income to assets | 0.3358% | 5,025 |
| Return on assets (ROA) | 0.4008% | 4,922 |
| Pretax return on assets | 0.4008% | 5,212 |
| Return on Equity (ROE) | 3.4239% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.4239% | 4,045 |
| Net charge-offs to loans | 1.2686% | 1,607 |
| Credit loss provision to net charge-offs | 46.3778% | 5,938 |
| Earnings coverage of net charge-offs (x) | 0.9391% | 5,122 |
| Efficiency ratio | 89.2630% | 1,341 |
| Assets per employee ($millions) | 1.0783% | 7,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8209% | 989 |
| Loan loss allowance to noncurrent loans | 55.4016% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 6.5610% | 860 |
| Noncurrent loans to loans | 5.0918% | 1,351 |
| Net loans and leases to total assets | 55.0440% | 5,691 |
| Net loans and leases to deposits | 66.1778% | 5,650 |
| Net loans and leases to core deposits | 73.4323% | 5,362 |
| Total domestic deposits to total assets | 83.1760% | 4,518 |
| Equity capital to assets | 12.1320% | 2,072 |
| Core capital (leverage) ratio | 11.5576% | 1,905 |
| Tier 1 risk-based capital ratio | 18.2089% | 1,966 |
| Total risk-based capital ratio | 19.4744% | 1,916 |
| Memoranda: | ||
| Average total assets | $278,749,500 | 2,322 |
| Average earning assets | $247,823,750 | 2,396 |
| Average equity | $32,632,500 | 2,033 |
| Average total loans | $155,230,250 | 2,723 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8577% | 5,579 |
| Cost of funding earning assets | 1.1118% | 5,612 |
| Net interest margin | 3.7459% | 4,159 |
| Noninterest income to average assets | 1.4348% | 616 |
| Noninterest expense to average assets | 4.2653% | 749 |
| Loan and lease loss provision to assets | 0.2365% | 4,547 |
| Net operating income to assets | 0.2622% | 5,327 |
| Return on assets (ROA) | 0.3683% | 5,062 |
| Pretax return on assets | 0.3683% | 5,315 |
| Return on Equity (ROE) | 3.1837% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.1837% | 4,083 |
| Net charge-offs to loans | 1.4576% | 1,305 |
| Credit loss provision to net charge-offs | 29.3027% | 5,744 |
| Earnings coverage of net charge-offs (x) | 0.6178% | 5,126 |
| Efficiency ratio | 89.5319% | 1,375 |
| Assets per employee ($millions) | 1.3366% | 7,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7293% | 1,057 |
| Loan loss allowance to noncurrent loans | 118.9174% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 5.4715% | 1,131 |
| Noncurrent loans to loans | 2.2951% | 3,379 |
| Net loans and leases to total assets | 56.0346% | 5,695 |
| Net loans and leases to deposits | 67.0745% | 5,675 |
| Net loans and leases to core deposits | 73.9695% | 5,453 |
| Total domestic deposits to total assets | 83.5408% | 4,319 |
| Equity capital to assets | 11.8725% | 2,167 |
| Core capital (leverage) ratio | 11.2734% | 2,049 |
| Tier 1 risk-based capital ratio | 17.1916% | 2,204 |
| Total risk-based capital ratio | 18.4556% | 2,163 |
| Memoranda: | ||
| Average total assets | $280,730,330 | 2,325 |
| Average earning assets | $249,502,330 | 2,399 |
| Average equity | $32,477,670 | 2,033 |
| Average total loans | $155,466,000 | 2,752 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 5,652 |
| Cost of funding earning assets | 1.1827% | 5,496 |
| Net interest margin | 3.6752% | 4,371 |
| Noninterest income to average assets | 0.3862% | 5,030 |
| Noninterest expense to average assets | 3.4743% | 2,053 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1825% | 5,743 |
| Return on assets (ROA) | 0.3933% | 5,011 |
| Pretax return on assets | 0.3933% | 5,316 |
| Return on Equity (ROE) | 3.4435% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.4435% | 4,087 |
| Net charge-offs to loans | 1.0866% | 1,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.3094% | 4,766 |
| Efficiency ratio | 95.0097% | 1,080 |
| Assets per employee ($millions) | 2.0464% | 7,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1761% | 708 |
| Loan loss allowance to noncurrent loans | 80.2781% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 5.7422% | 1,061 |
| Noncurrent loans to loans | 3.9564% | 1,990 |
| Net loans and leases to total assets | 49.6638% | 6,502 |
| Net loans and leases to deposits | 59.4704% | 6,512 |
| Net loans and leases to core deposits | 65.7582% | 6,304 |
| Total domestic deposits to total assets | 83.5101% | 4,379 |
| Equity capital to assets | 11.1555% | 2,629 |
| Core capital (leverage) ratio | 11.0391% | 2,207 |
| Tier 1 risk-based capital ratio | 17.3243% | 2,139 |
| Total risk-based capital ratio | 18.5913% | 2,094 |
| Memoranda: | ||
| Average total assets | $282,759,500 | 2,370 |
| Average earning assets | $251,633,000 | 2,431 |
| Average equity | $32,292,500 | 2,078 |
| Average total loans | $153,508,000 | 2,842 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 3,268 |
| Cost of funding earning assets | 1.6455% | 4,818 |
| Net interest margin | 4.0216% | 2,775 |
| Noninterest income to average assets | -0.5172% | 7,948 |
| Noninterest expense to average assets | 3.2801% | 3,080 |
| Loan and lease loss provision to assets | 1.8144% | 1,242 |
| Net operating income to assets | -2.1532% | 7,148 |
| Return on assets (ROA) | -2.1012% | 7,126 |
| Pretax return on assets | -2.1012% | 6,976 |
| Return on Equity (ROE) | -19.3638% | 7,124 |
| Retained earnings to average equity (ytd only) | -19.3638% | 7,083 |
| Net charge-offs to loans | 2.6475% | 849 |
| Credit loss provision to net charge-offs | 110.9504% | 4,954 |
| Earnings coverage of net charge-offs (x) | -0.2072% | 6,453 |
| Efficiency ratio | 111.5209% | 773 |
| Assets per employee ($millions) | 2.8941% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2608% | 626 |
| Loan loss allowance to noncurrent loans | 59.2614% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 7.3767% | 666 |
| Noncurrent loans to loans | 5.5024% | 1,173 |
| Net loans and leases to total assets | 55.5826% | 6,016 |
| Net loans and leases to deposits | 67.8516% | 5,852 |
| Net loans and leases to core deposits | 78.9445% | 6,184 |
| Total domestic deposits to total assets | 81.9179% | 4,989 |
| Equity capital to assets | 11.7006% | 2,191 |
| Core capital (leverage) ratio | 11.2484% | 2,075 |
| Tier 1 risk-based capital ratio | 16.6081% | 2,273 |
| Total risk-based capital ratio | 17.8769% | 2,221 |
| Memoranda: | ||
| Average total assets | $274,751,800 | 2,383 |
| Average earning assets | $236,273,800 | 2,542 |
| Average equity | $29,813,400 | 2,240 |
| Average total loans | $169,709,800 | 2,622 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6563% | 3,537 |
| Cost of funding earning assets | 1.7490% | 4,640 |
| Net interest margin | 3.9073% | 3,215 |
| Noninterest income to average assets | -0.0354% | 7,882 |
| Noninterest expense to average assets | 3.1733% | 3,389 |
| Loan and lease loss provision to assets | 1.7997% | 1,031 |
| Net operating income to assets | -1.6730% | 7,184 |
| Return on assets (ROA) | -1.6036% | 7,156 |
| Pretax return on assets | -1.6036% | 7,012 |
| Return on Equity (ROE) | -15.0737% | 7,194 |
| Retained earnings to average equity (ytd only) | -15.0737% | 7,137 |
| Net charge-offs to loans | 2.2141% | 870 |
| Credit loss provision to net charge-offs | 129.3338% | 3,877 |
| Earnings coverage of net charge-offs (x) | 0.0910% | 5,955 |
| Efficiency ratio | 96.1612% | 1,265 |
| Assets per employee ($millions) | 3.4477% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4117% | 457 |
| Loan loss allowance to noncurrent loans | 67.3359% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 8.3676% | 490 |
| Noncurrent loans to loans | 5.0667% | 1,285 |
| Net loans and leases to total assets | 55.7570% | 6,168 |
| Net loans and leases to deposits | 67.6302% | 6,162 |
| Net loans and leases to core deposits | 78.5281% | 6,448 |
| Total domestic deposits to total assets | 82.4440% | 4,474 |
| Equity capital to assets | 11.4768% | 2,603 |
| Core capital (leverage) ratio | 11.4341% | 2,107 |
| Tier 1 risk-based capital ratio | 15.7782% | 2,708 |
| Total risk-based capital ratio | 17.0474% | 2,640 |
| Memoranda: | ||
| Average total assets | $274,706,000 | 2,393 |
| Average earning assets | $234,493,750 | 2,572 |
| Average equity | $29,224,500 | 2,310 |
| Average total loans | $172,645,500 | 2,626 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7230% | 3,417 |
| Cost of funding earning assets | 1.8846% | 4,348 |
| Net interest margin | 3.8384% | 3,376 |
| Noninterest income to average assets | -0.1047% | 8,032 |
| Noninterest expense to average assets | 3.1554% | 3,483 |
| Loan and lease loss provision to assets | 2.7146% | 565 |
| Net operating income to assets | -2.6868% | 7,608 |
| Return on assets (ROA) | -2.6422% | 7,588 |
| Pretax return on assets | -2.6422% | 7,457 |
| Return on Equity (ROE) | -25.5212% | 7,635 |
| Retained earnings to average equity (ytd only) | -25.5212% | 7,599 |
| Net charge-offs to loans | 2.0458% | 906 |
| Credit loss provision to net charge-offs | 205.4294% | 2,222 |
| Earnings coverage of net charge-offs (x) | 0.0211% | 5,657 |
| Efficiency ratio | 99.1260% | 1,215 |
| Assets per employee ($millions) | 2.9664% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8733% | 288 |
| Loan loss allowance to noncurrent loans | 53.5499% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 10.3555% | 267 |
| Noncurrent loans to loans | 7.2330% | 661 |
| Net loans and leases to total assets | 60.3294% | 5,623 |
| Net loans and leases to deposits | 71.2526% | 5,840 |
| Net loans and leases to core deposits | 81.2475% | 6,302 |
| Total domestic deposits to total assets | 84.6697% | 3,406 |
| Equity capital to assets | 10.0480% | 3,873 |
| Core capital (leverage) ratio | 9.6746% | 3,665 |
| Tier 1 risk-based capital ratio | 13.0973% | 4,074 |
| Total risk-based capital ratio | 14.3719% | 3,976 |
| Memoranda: | ||
| Average total assets | $273,185,670 | 2,421 |
| Average earning assets | $234,003,330 | 2,587 |
| Average equity | $28,282,330 | 2,388 |
| Average total loans | $176,457,000 | 2,618 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6266% | 4,203 |
| Cost of funding earning assets | 1.9809% | 4,232 |
| Net interest margin | 3.6457% | 4,117 |
| Noninterest income to average assets | -0.7496% | 8,206 |
| Noninterest expense to average assets | 3.0683% | 3,495 |
| Loan and lease loss provision to assets | 4.9344% | 165 |
| Net operating income to assets | -5.6127% | 8,071 |
| Return on assets (ROA) | -5.6127% | 8,064 |
| Pretax return on assets | -5.6127% | 8,023 |
| Return on Equity (ROE) | -53.4414% | 8,061 |
| Retained earnings to average equity (ytd only) | -53.4414% | 8,042 |
| Net charge-offs to loans | 1.9202% | 751 |
| Credit loss provision to net charge-offs | 392.3611% | 1,316 |
| Earnings coverage of net charge-offs (x) | -0.5394% | 5,268 |
| Efficiency ratio | 128.3800% | 520 |
| Assets per employee ($millions) | 3.1618% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1245% | 200 |
| Loan loss allowance to noncurrent loans | 43.0472% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 11.8874% | 150 |
| Noncurrent loans to loans | 9.5815% | 319 |
| Net loans and leases to total assets | 60.0267% | 5,645 |
| Net loans and leases to deposits | 71.9174% | 5,756 |
| Net loans and leases to core deposits | 82.3327% | 6,205 |
| Total domestic deposits to total assets | 83.4662% | 3,928 |
| Equity capital to assets | 9.6950% | 4,390 |
| Core capital (leverage) ratio | 9.5812% | 3,891 |
| Tier 1 risk-based capital ratio | 12.3906% | 4,623 |
| Total risk-based capital ratio | 13.6669% | 4,525 |
| Memoranda: | ||
| Average total assets | $274,807,000 | 2,421 |
| Average earning assets | $236,663,000 | 2,560 |
| Average equity | $28,861,500 | 2,357 |
| Average total loans | $179,977,000 | 2,599 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7805% | 1,750 |
| Cost of funding earning assets | 2.3358% | 4,988 |
| Net interest margin | 4.4448% | 1,549 |
| Noninterest income to average assets | 0.6959% | 3,144 |
| Noninterest expense to average assets | 3.0201% | 4,010 |
| Loan and lease loss provision to assets | 1.6307% | 797 |
| Net operating income to assets | 0.0255% | 6,295 |
| Return on assets (ROA) | 0.0262% | 6,145 |
| Pretax return on assets | 0.0262% | 6,101 |
| Return on Equity (ROE) | 0.2435% | 6,153 |
| Retained earnings to average equity (ytd only) | -5.0735% | 6,525 |
| Net charge-offs to loans | 1.5730% | 730 |
| Credit loss provision to net charge-offs | 140.9480% | 3,764 |
| Earnings coverage of net charge-offs (x) | 1.4315% | 5,398 |
| Efficiency ratio | 64.5835% | 5,426 |
| Assets per employee ($millions) | 3.0492% | 5,930 |
| Cash dividends to net income (ytd only)* | 2,183.7838% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5082% | 674 |
| Loan loss allowance to noncurrent loans | 52.7693% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 9.1006% | 217 |
| Noncurrent loans to loans | 4.7531% | 971 |
| Net loans and leases to total assets | 66.7313% | 4,700 |
| Net loans and leases to deposits | 81.5173% | 4,791 |
| Net loans and leases to core deposits | 93.4635% | 5,499 |
| Total domestic deposits to total assets | 81.8615% | 4,255 |
| Equity capital to assets | 11.3303% | 2,772 |
| Core capital (leverage) ratio | 11.0218% | 2,580 |
| Tier 1 risk-based capital ratio | 13.5350% | 3,804 |
| Total risk-based capital ratio | 14.7954% | 3,692 |
| Memoranda: | ||
| Average total assets | $282,635,400 | 2,301 |
| Average earning assets | $253,106,400 | 2,344 |
| Average equity | $30,393,400 | 2,227 |
| Average total loans | $207,877,000 | 2,225 |