Home > The Oculina Bank > Performance and Condition Ratios
The Oculina Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 2,818 |
| Cost of funding earning assets | 1.2746% | 713 |
| Net interest margin | 3.2390% | 4,306 |
| Noninterest income to average assets | 0.3613% | 3,435 |
| Noninterest expense to average assets | 3.7451% | 700 |
| Loan and lease loss provision to assets | 0.0826% | 2,048 |
| Net operating income to assets | -0.2974% | 5,226 |
| Return on assets (ROA) | -0.2974% | 5,220 |
| Pretax return on assets | -0.4098% | 5,233 |
| Return on Equity (ROE) | -3.5873% | 5,248 |
| Retained earnings to average equity (ytd only) | -75.8254% | 5,345 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5714% | 110 |
| Assets per employee ($millions) | 4.7381% | 2,863 |
| Cash dividends to net income (ytd only)* | -2,013.7037% | 5,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7950% | 4,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,013 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 87.7627% | 107 |
| Net loans and leases to deposits | 103.8200% | 403 |
| Net loans and leases to core deposits | 109.6140% | 953 |
| Total domestic deposits to total assets | 84.5335% | 2,838 |
| Equity capital to assets | 7.4702% | 5,271 |
| Core capital (leverage) ratio | 7.5210% | 5,283 |
| Tier 1 risk-based capital ratio | 13.5742% | 3,569 |
| Total risk-based capital ratio | 14.8244% | 3,484 |
| Memoranda: | ||
| Average total assets | $363,137,000 | 1,904 |
| Average earning assets | $342,701,000 | 1,876 |
| Average equity | $30,106,000 | 2,404 |
| Average total loans | $321,030,000 | 1,559 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 2,791 |
| Cost of funding earning assets | 1.1037% | 487 |
| Net interest margin | 3.2875% | 4,284 |
| Noninterest income to average assets | 0.6574% | 2,023 |
| Noninterest expense to average assets | 2.2648% | 4,196 |
| Loan and lease loss provision to assets | 0.0862% | 2,415 |
| Net operating income to assets | 1.0531% | 2,791 |
| Return on assets (ROA) | 1.0531% | 2,779 |
| Pretax return on assets | 1.4005% | 2,136 |
| Return on Equity (ROE) | 11.7706% | 1,793 |
| Retained earnings to average equity (ytd only) | 11.7706% | 337 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3707% | 3,793 |
| Assets per employee ($millions) | 4.6940% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 4,605 |
| Loan loss allowance to noncurrent loans | 4,448.2143% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 3,926 |
| Noncurrent loans to loans | 0.0175% | 4,715 |
| Net loans and leases to total assets | 87.6536% | 132 |
| Net loans and leases to deposits | 105.7644% | 383 |
| Net loans and leases to core deposits | 115.5302% | 705 |
| Total domestic deposits to total assets | 82.8763% | 3,369 |
| Equity capital to assets | 9.1185% | 4,474 |
| Core capital (leverage) ratio | 9.1286% | 4,531 |
| Tier 1 risk-based capital ratio | 16.3232% | 2,297 |
| Total risk-based capital ratio | 17.5552% | 2,252 |
| Memoranda: | ||
| Average total assets | $348,020,000 | 1,923 |
| Average earning assets | $327,542,200 | 1,904 |
| Average equity | $31,136,800 | 2,274 |
| Average total loans | $307,463,200 | 1,568 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 2,601 |
| Cost of funding earning assets | 1.0530% | 476 |
| Net interest margin | 3.3551% | 4,146 |
| Noninterest income to average assets | 0.6116% | 2,251 |
| Noninterest expense to average assets | 2.2928% | 4,116 |
| Loan and lease loss provision to assets | 0.0870% | 2,231 |
| Net operating income to assets | 1.0433% | 2,897 |
| Return on assets (ROA) | 1.0433% | 2,911 |
| Pretax return on assets | 1.3872% | 2,275 |
| Return on Equity (ROE) | 11.7201% | 1,897 |
| Retained earnings to average equity (ytd only) | 11.7201% | 518 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8647% | 3,677 |
| Assets per employee ($millions) | 4.7067% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7497% | 4,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 4,147 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 89.4107% | 94 |
| Net loans and leases to deposits | 110.0082% | 286 |
| Net loans and leases to core deposits | 119.4037% | 593 |
| Total domestic deposits to total assets | 81.2764% | 3,796 |
| Equity capital to assets | 8.9288% | 4,610 |
| Core capital (leverage) ratio | 9.1556% | 4,560 |
| Tier 1 risk-based capital ratio | 15.8678% | 2,493 |
| Total risk-based capital ratio | 17.0644% | 2,457 |
| Memoranda: | ||
| Average total assets | $344,665,000 | 1,946 |
| Average earning assets | $324,154,500 | 1,922 |
| Average equity | $30,681,500 | 2,304 |
| Average total loans | $304,502,500 | 1,589 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 2,489 |
| Cost of funding earning assets | 1.0266% | 417 |
| Net interest margin | 3.3530% | 4,097 |
| Noninterest income to average assets | 0.7652% | 1,588 |
| Noninterest expense to average assets | 2.3184% | 4,106 |
| Loan and lease loss provision to assets | 0.0882% | 2,153 |
| Net operating income to assets | 1.1354% | 2,456 |
| Return on assets (ROA) | 1.1354% | 2,463 |
| Pretax return on assets | 1.5104% | 1,778 |
| Return on Equity (ROE) | 12.7683% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.7683% | 417 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1898% | 4,054 |
| Assets per employee ($millions) | 4.6567% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 4,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 4,172 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 84.2379% | 434 |
| Net loans and leases to deposits | 102.6034% | 617 |
| Net loans and leases to core deposits | 110.9338% | 942 |
| Total domestic deposits to total assets | 82.1005% | 3,689 |
| Equity capital to assets | 8.7028% | 4,803 |
| Core capital (leverage) ratio | 8.6252% | 5,019 |
| Tier 1 risk-based capital ratio | 15.8316% | 2,496 |
| Total risk-based capital ratio | 17.0166% | 2,473 |
| Memoranda: | ||
| Average total assets | $340,317,000 | 1,967 |
| Average earning assets | $319,893,330 | 1,941 |
| Average equity | $30,262,330 | 2,337 |
| Average total loans | $298,588,000 | 1,612 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,250 |
| Cost of funding earning assets | 0.9282% | 521 |
| Net interest margin | 3.4558% | 3,690 |
| Noninterest income to average assets | 0.7814% | 1,514 |
| Noninterest expense to average assets | 2.3237% | 4,134 |
| Loan and lease loss provision to assets | 0.0906% | 1,993 |
| Net operating income to assets | 1.2126% | 1,951 |
| Return on assets (ROA) | 1.2126% | 1,960 |
| Pretax return on assets | 1.6136% | 1,355 |
| Return on Equity (ROE) | 13.4806% | 1,140 |
| Retained earnings to average equity (ytd only) | 13.4806% | 456 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6912% | 4,389 |
| Assets per employee ($millions) | 4.4362% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 4,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 4,234 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 86.8354% | 202 |
| Net loans and leases to deposits | 107.8202% | 321 |
| Net loans and leases to core deposits | 118.0304% | 651 |
| Total domestic deposits to total assets | 80.5372% | 4,309 |
| Equity capital to assets | 8.8653% | 4,691 |
| Core capital (leverage) ratio | 9.1727% | 4,472 |
| Tier 1 risk-based capital ratio | 15.4534% | 2,680 |
| Total risk-based capital ratio | 16.6073% | 2,654 |
| Memoranda: | ||
| Average total assets | $331,194,000 | 2,013 |
| Average earning assets | $311,131,000 | 1,996 |
| Average equity | $29,791,000 | 2,383 |
| Average total loans | $295,688,500 | 1,630 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 2,187 |
| Cost of funding earning assets | 0.8800% | 420 |
| Net interest margin | 3.4687% | 3,627 |
| Noninterest income to average assets | 0.6425% | 2,242 |
| Noninterest expense to average assets | 2.3041% | 4,319 |
| Loan and lease loss provision to assets | 0.1040% | 2,151 |
| Net operating income to assets | 0.9226% | 2,582 |
| Return on assets (ROA) | 0.9226% | 2,611 |
| Pretax return on assets | 1.4764% | 1,733 |
| Return on Equity (ROE) | 10.2126% | 1,804 |
| Retained earnings to average equity (ytd only) | 10.2126% | 324 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3157% | 4,368 |
| Assets per employee ($millions) | 4.2773% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 4,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 4,225 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 90.4928% | 62 |
| Net loans and leases to deposits | 112.2649% | 211 |
| Net loans and leases to core deposits | 121.1235% | 555 |
| Total domestic deposits to total assets | 80.6065% | 4,218 |
| Equity capital to assets | 9.1332% | 4,592 |
| Core capital (leverage) ratio | 9.3536% | 4,224 |
| Tier 1 risk-based capital ratio | 15.2996% | 2,698 |
| Total risk-based capital ratio | 16.4424% | 2,682 |
| Memoranda: | ||
| Average total assets | $307,708,400 | 2,129 |
| Average earning assets | $287,600,200 | 2,112 |
| Average equity | $27,799,000 | 2,497 |
| Average total loans | $271,686,800 | 1,702 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 2,253 |
| Cost of funding earning assets | 0.8722% | 410 |
| Net interest margin | 3.4305% | 3,738 |
| Noninterest income to average assets | 0.6526% | 2,197 |
| Noninterest expense to average assets | 2.3277% | 4,223 |
| Loan and lease loss provision to assets | 0.1073% | 1,980 |
| Net operating income to assets | 0.8991% | 3,032 |
| Return on assets (ROA) | 0.8991% | 3,086 |
| Pretax return on assets | 1.4181% | 2,070 |
| Return on Equity (ROE) | 9.9813% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.9813% | 590 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4115% | 4,143 |
| Assets per employee ($millions) | 4.2426% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 4,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 87.5800% | 169 |
| Net loans and leases to deposits | 108.0223% | 339 |
| Net loans and leases to core deposits | 115.3071% | 774 |
| Total domestic deposits to total assets | 81.0759% | 4,024 |
| Equity capital to assets | 9.2128% | 4,716 |
| Core capital (leverage) ratio | 9.1478% | 4,572 |
| Tier 1 risk-based capital ratio | 15.6311% | 2,661 |
| Total risk-based capital ratio | 16.7897% | 2,639 |
| Memoranda: | ||
| Average total assets | $304,436,000 | 2,163 |
| Average earning assets | $284,035,750 | 2,148 |
| Average equity | $27,424,000 | 2,541 |
| Average total loans | $266,486,000 | 1,737 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,463 |
| Cost of funding earning assets | 0.8405% | 421 |
| Net interest margin | 3.3622% | 3,900 |
| Noninterest income to average assets | 0.5425% | 2,756 |
| Noninterest expense to average assets | 2.2955% | 4,364 |
| Loan and lease loss provision to assets | 0.0991% | 2,032 |
| Net operating income to assets | 0.8160% | 3,323 |
| Return on assets (ROA) | 0.8160% | 3,376 |
| Pretax return on assets | 1.2852% | 2,444 |
| Return on Equity (ROE) | 9.1298% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.1298% | 803 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3810% | 3,927 |
| Assets per employee ($millions) | 4.5829% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 5,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 4,448 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 86.7882% | 222 |
| Net loans and leases to deposits | 107.0579% | 354 |
| Net loans and leases to core deposits | 115.5246% | 739 |
| Total domestic deposits to total assets | 81.0666% | 4,166 |
| Equity capital to assets | 8.6386% | 5,196 |
| Core capital (leverage) ratio | 9.0210% | 4,701 |
| Tier 1 risk-based capital ratio | 14.6339% | 3,096 |
| Total risk-based capital ratio | 15.7005% | 3,117 |
| Memoranda: | ||
| Average total assets | $302,677,670 | 2,177 |
| Average earning assets | $282,437,330 | 2,163 |
| Average equity | $27,054,330 | 2,560 |
| Average total loans | $264,194,330 | 1,744 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 2,390 |
| Cost of funding earning assets | 0.8298% | 411 |
| Net interest margin | 3.3384% | 3,890 |
| Noninterest income to average assets | 0.4782% | 3,134 |
| Noninterest expense to average assets | 2.4277% | 4,038 |
| Loan and lease loss provision to assets | 0.1022% | 1,856 |
| Net operating income to assets | 0.6771% | 3,801 |
| Return on assets (ROA) | 0.6771% | 3,842 |
| Pretax return on assets | 1.0613% | 3,125 |
| Return on Equity (ROE) | 7.4387% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.4387% | 1,677 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6024% | 3,267 |
| Assets per employee ($millions) | 4.4779% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7366% | 5,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,473 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 87.4095% | 137 |
| Net loans and leases to deposits | 106.9406% | 287 |
| Net loans and leases to core deposits | 114.1809% | 664 |
| Total domestic deposits to total assets | 81.7365% | 4,235 |
| Equity capital to assets | 8.9911% | 4,808 |
| Core capital (leverage) ratio | 9.3377% | 4,293 |
| Tier 1 risk-based capital ratio | 14.7550% | 3,094 |
| Total risk-based capital ratio | 15.8194% | 3,099 |
| Memoranda: | ||
| Average total assets | $293,615,000 | 2,244 |
| Average earning assets | $273,786,000 | 2,224 |
| Average equity | $26,725,000 | 2,594 |
| Average total loans | $256,071,500 | 1,796 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1661% | 2,601 |
| Cost of funding earning assets | 0.8278% | 435 |
| Net interest margin | 3.3383% | 4,033 |
| Noninterest income to average assets | 0.8472% | 1,587 |
| Noninterest expense to average assets | 2.5456% | 3,858 |
| Loan and lease loss provision to assets | 0.0798% | 2,764 |
| Net operating income to assets | 0.8146% | 3,241 |
| Return on assets (ROA) | 0.8146% | 3,349 |
| Pretax return on assets | 1.2782% | 2,364 |
| Return on Equity (ROE) | 8.9100% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.9100% | 604 |
| Net charge-offs to loans | -0.0004% | 4,633 |
| Credit loss provision to net charge-offs | -21,300.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2103% | 3,728 |
| Assets per employee ($millions) | 4.2237% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7546% | 5,230 |
| Loan loss allowance to noncurrent loans | 1,852.4752% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 3,057 |
| Noncurrent loans to loans | 0.0407% | 5,090 |
| Net loans and leases to total assets | 85.6795% | 251 |
| Net loans and leases to deposits | 99.3115% | 717 |
| Net loans and leases to core deposits | 105.1183% | 1,195 |
| Total domestic deposits to total assets | 86.2735% | 2,470 |
| Equity capital to assets | 9.2180% | 4,562 |
| Core capital (leverage) ratio | 9.3235% | 4,324 |
| Tier 1 risk-based capital ratio | 15.6836% | 2,678 |
| Total risk-based capital ratio | 16.7918% | 2,662 |
| Memoranda: | ||
| Average total assets | $266,771,200 | 2,384 |
| Average earning assets | $244,256,600 | 2,404 |
| Average equity | $24,388,400 | 2,769 |
| Average total loans | $228,173,600 | 1,922 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 2,818 |
| Cost of funding earning assets | 0.8223% | 445 |
| Net interest margin | 3.2931% | 4,206 |
| Noninterest income to average assets | 0.9259% | 1,329 |
| Noninterest expense to average assets | 2.5503% | 3,825 |
| Loan and lease loss provision to assets | 0.0703% | 2,808 |
| Net operating income to assets | 0.8326% | 3,226 |
| Return on assets (ROA) | 0.8326% | 3,355 |
| Pretax return on assets | 1.3070% | 2,401 |
| Return on Equity (ROE) | 9.1282% | 2,432 |
| Retained earnings to average equity (ytd only) | 9.1282% | 782 |
| Net charge-offs to loans | 0.0006% | 3,938 |
| Credit loss provision to net charge-offs | 13,800.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 2,709.7068% | 20 |
| Efficiency ratio | 64.9325% | 3,775 |
| Assets per employee ($millions) | 4.2879% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 5,375 |
| Loan loss allowance to noncurrent loans | 1,692.4528% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 3,086 |
| Noncurrent loans to loans | 0.0428% | 5,188 |
| Net loans and leases to total assets | 86.8391% | 195 |
| Net loans and leases to deposits | 101.5714% | 604 |
| Net loans and leases to core deposits | 107.7503% | 1,069 |
| Total domestic deposits to total assets | 85.4956% | 2,606 |
| Equity capital to assets | 9.1765% | 4,996 |
| Core capital (leverage) ratio | 9.4609% | 4,235 |
| Tier 1 risk-based capital ratio | 15.5058% | 2,828 |
| Total risk-based capital ratio | 16.5792% | 2,833 |
| Memoranda: | ||
| Average total assets | $261,661,250 | 2,432 |
| Average earning assets | $238,511,250 | 2,447 |
| Average equity | $23,866,750 | 2,827 |
| Average total loans | $223,229,000 | 1,963 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 3,246 |
| Cost of funding earning assets | 0.8091% | 470 |
| Net interest margin | 3.1904% | 4,573 |
| Noninterest income to average assets | 1.1354% | 871 |
| Noninterest expense to average assets | 2.5818% | 3,787 |
| Loan and lease loss provision to assets | 0.0519% | 3,109 |
| Net operating income to assets | 0.8910% | 2,907 |
| Return on assets (ROA) | 0.8910% | 3,032 |
| Pretax return on assets | 1.3986% | 2,030 |
| Return on Equity (ROE) | 9.7903% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.7903% | 643 |
| Net charge-offs to loans | 0.0009% | 3,672 |
| Credit loss provision to net charge-offs | 6,600.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,846.0000% | 23 |
| Efficiency ratio | 64.0296% | 4,010 |
| Assets per employee ($millions) | 4.0481% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 5,402 |
| Loan loss allowance to noncurrent loans | 1,565.4545% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 3,094 |
| Noncurrent loans to loans | 0.0480% | 5,268 |
| Net loans and leases to total assets | 83.8836% | 428 |
| Net loans and leases to deposits | 96.4929% | 1,029 |
| Net loans and leases to core deposits | 103.6048% | 1,353 |
| Total domestic deposits to total assets | 86.9324% | 1,948 |
| Equity capital to assets | 9.3927% | 4,875 |
| Core capital (leverage) ratio | 9.8903% | 3,697 |
| Tier 1 risk-based capital ratio | 15.9103% | 2,688 |
| Total risk-based capital ratio | 16.9885% | 2,702 |
| Memoranda: | ||
| Average total assets | $254,547,000 | 2,490 |
| Average earning assets | $231,133,670 | 2,526 |
| Average equity | $23,165,670 | 2,903 |
| Average total loans | $215,121,330 | 2,016 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,131 |
| Cost of funding earning assets | 0.8251% | 428 |
| Net interest margin | 3.1997% | 4,580 |
| Noninterest income to average assets | 1.4004% | 568 |
| Noninterest expense to average assets | 2.5117% | 4,034 |
| Loan and lease loss provision to assets | 0.0536% | 2,867 |
| Net operating income to assets | 1.0966% | 1,918 |
| Return on assets (ROA) | 1.0966% | 2,016 |
| Pretax return on assets | 1.7270% | 1,000 |
| Return on Equity (ROE) | 12.2666% | 1,227 |
| Retained earnings to average equity (ytd only) | 12.2666% | 467 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5163% | 4,944 |
| Assets per employee ($millions) | 3.7079% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 5,369 |
| Loan loss allowance to noncurrent loans | 1,432.2034% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 2,785 |
| Noncurrent loans to loans | 0.0556% | 5,262 |
| Net loans and leases to total assets | 82.2678% | 526 |
| Net loans and leases to deposits | 95.1997% | 1,022 |
| Net loans and leases to core deposits | 101.3795% | 1,380 |
| Total domestic deposits to total assets | 86.4160% | 2,486 |
| Equity capital to assets | 8.8335% | 5,314 |
| Core capital (leverage) ratio | 9.2035% | 4,595 |
| Tier 1 risk-based capital ratio | 15.2310% | 3,046 |
| Total risk-based capital ratio | 16.3770% | 3,034 |
| Memoranda: | ||
| Average total assets | $246,210,000 | 2,568 |
| Average earning assets | $222,521,000 | 2,601 |
| Average equity | $22,011,000 | 3,028 |
| Average total loans | $208,066,000 | 2,072 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 2,212 |
| Cost of funding earning assets | 0.7796% | 546 |
| Net interest margin | 3.5264% | 3,424 |
| Noninterest income to average assets | 0.7677% | 1,906 |
| Noninterest expense to average assets | 2.9726% | 2,636 |
| Loan and lease loss provision to assets | 0.0629% | 3,040 |
| Net operating income to assets | 0.6010% | 4,264 |
| Return on assets (ROA) | 0.6010% | 4,365 |
| Pretax return on assets | 0.9248% | 3,749 |
| Return on Equity (ROE) | 6.3154% | 3,891 |
| Retained earnings to average equity (ytd only) | 5.6148% | 2,007 |
| Net charge-offs to loans | -0.0548% | 5,581 |
| Credit loss provision to net charge-offs | -133.3333% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0601% | 2,421 |
| Assets per employee ($millions) | 3.6965% | 4,483 |
| Cash dividends to net income (ytd only)* | 11.0935% | 4,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 5,376 |
| Loan loss allowance to noncurrent loans | 173.6897% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 1,841 |
| Noncurrent loans to loans | 0.4677% | 3,790 |
| Net loans and leases to total assets | 85.5150% | 270 |
| Net loans and leases to deposits | 96.1727% | 987 |
| Net loans and leases to core deposits | 103.0071% | 1,295 |
| Total domestic deposits to total assets | 88.9181% | 1,152 |
| Equity capital to assets | 9.0551% | 5,072 |
| Core capital (leverage) ratio | 9.2704% | 4,518 |
| Tier 1 risk-based capital ratio | 14.6329% | 3,361 |
| Total risk-based capital ratio | 15.7683% | 3,344 |
| Memoranda: | ||
| Average total assets | $209,985,600 | 2,852 |
| Average earning assets | $190,107,000 | 2,889 |
| Average equity | $19,983,000 | 3,170 |
| Average total loans | $180,714,000 | 2,234 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2743% | 2,317 |
| Cost of funding earning assets | 0.7613% | 616 |
| Net interest margin | 3.5130% | 3,491 |
| Noninterest income to average assets | 0.8144% | 1,756 |
| Noninterest expense to average assets | 3.0595% | 2,336 |
| Loan and lease loss provision to assets | 0.0649% | 2,890 |
| Net operating income to assets | 0.6183% | 4,296 |
| Return on assets (ROA) | 0.6183% | 4,399 |
| Pretax return on assets | 0.8760% | 4,063 |
| Return on Equity (ROE) | 6.4072% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.4560% | 2,602 |
| Net charge-offs to loans | 0.0122% | 3,746 |
| Credit loss provision to net charge-offs | 618.7500% | 550 |
| Earnings coverage of net charge-offs (x) | 89.6995% | 686 |
| Efficiency ratio | 76.4793% | 2,164 |
| Assets per employee ($millions) | 3.5648% | 4,679 |
| Cash dividends to net income (ytd only)* | 14.8461% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 5,565 |
| Loan loss allowance to noncurrent loans | 155.4068% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 1,871 |
| Noncurrent loans to loans | 0.5008% | 3,851 |
| Net loans and leases to total assets | 85.6629% | 251 |
| Net loans and leases to deposits | 97.8665% | 825 |
| Net loans and leases to core deposits | 106.7133% | 1,049 |
| Total domestic deposits to total assets | 87.5303% | 1,793 |
| Equity capital to assets | 9.3991% | 4,881 |
| Core capital (leverage) ratio | 9.8826% | 3,793 |
| Tier 1 risk-based capital ratio | 15.1246% | 3,232 |
| Total risk-based capital ratio | 16.2125% | 3,254 |
| Memoranda: | ||
| Average total assets | $203,338,250 | 2,938 |
| Average earning assets | $184,417,000 | 2,976 |
| Average equity | $19,623,250 | 3,240 |
| Average total loans | $174,901,500 | 2,309 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 2,358 |
| Cost of funding earning assets | 0.7533% | 634 |
| Net interest margin | 3.4962% | 3,518 |
| Noninterest income to average assets | 0.7990% | 1,784 |
| Noninterest expense to average assets | 3.1744% | 2,052 |
| Loan and lease loss provision to assets | 0.0306% | 3,514 |
| Net operating income to assets | 0.5309% | 4,648 |
| Return on assets (ROA) | 0.5309% | 4,755 |
| Pretax return on assets | 0.7867% | 4,358 |
| Return on Equity (ROE) | 5.4475% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.9837% | 3,481 |
| Net charge-offs to loans | 0.0214% | 3,242 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 44.5556% | 1,041 |
| Efficiency ratio | 79.5251% | 1,833 |
| Assets per employee ($millions) | 3.3344% | 5,100 |
| Cash dividends to net income (ytd only)* | 26.8714% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 5,612 |
| Loan loss allowance to noncurrent loans | 146.4358% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.4505% | 1,712 |
| Noncurrent loans to loans | 0.5420% | 3,829 |
| Net loans and leases to total assets | 85.5698% | 262 |
| Net loans and leases to deposits | 100.1616% | 649 |
| Net loans and leases to core deposits | 110.3713% | 819 |
| Total domestic deposits to total assets | 85.4318% | 2,953 |
| Equity capital to assets | 9.8469% | 4,224 |
| Core capital (leverage) ratio | 10.1432% | 3,405 |
| Tier 1 risk-based capital ratio | 15.3119% | 3,191 |
| Total risk-based capital ratio | 16.3864% | 3,220 |
| Memoranda: | ||
| Average total assets | $196,256,000 | 3,032 |
| Average earning assets | $179,222,000 | 3,051 |
| Average equity | $19,128,000 | 3,306 |
| Average total loans | $168,570,330 | 2,389 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2641% | 2,214 |
| Cost of funding earning assets | 0.7418% | 686 |
| Net interest margin | 3.5223% | 3,338 |
| Noninterest income to average assets | 0.7711% | 1,824 |
| Noninterest expense to average assets | 3.2173% | 1,935 |
| Loan and lease loss provision to assets | 0.0317% | 3,256 |
| Net operating income to assets | 0.4943% | 4,709 |
| Return on assets (ROA) | 0.4943% | 4,832 |
| Pretax return on assets | 0.7520% | 4,420 |
| Return on Equity (ROE) | 5.1010% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.0491% | 4,650 |
| Net charge-offs to loans | 0.0468% | 2,324 |
| Credit loss provision to net charge-offs | 78.9474% | 1,835 |
| Earnings coverage of net charge-offs (x) | 19.5263% | 1,444 |
| Efficiency ratio | 80.4118% | 1,847 |
| Assets per employee ($millions) | 3.1546% | 5,475 |
| Cash dividends to net income (ytd only)* | 59.8291% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 5,588 |
| Loan loss allowance to noncurrent loans | 143.9271% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.5610% | 1,655 |
| Noncurrent loans to loans | 0.5863% | 3,823 |
| Net loans and leases to total assets | 85.4364% | 223 |
| Net loans and leases to deposits | 101.0847% | 504 |
| Net loans and leases to core deposits | 111.8100% | 664 |
| Total domestic deposits to total assets | 84.5196% | 3,612 |
| Equity capital to assets | 9.4073% | 4,850 |
| Core capital (leverage) ratio | 9.6559% | 4,065 |
| Tier 1 risk-based capital ratio | 14.7111% | 3,601 |
| Total risk-based capital ratio | 15.8636% | 3,577 |
| Memoranda: | ||
| Average total assets | $189,350,500 | 3,127 |
| Average earning assets | $173,635,500 | 3,128 |
| Average equity | $18,349,500 | 3,401 |
| Average total loans | $162,259,500 | 2,472 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 3,042 |
| Cost of funding earning assets | 0.7190% | 1,014 |
| Net interest margin | 3.4522% | 3,969 |
| Noninterest income to average assets | 0.8330% | 1,737 |
| Noninterest expense to average assets | 3.5000% | 1,481 |
| Loan and lease loss provision to assets | -0.4208% | 6,428 |
| Net operating income to assets | 1.5012% | 878 |
| Return on assets (ROA) | 1.5156% | 886 |
| Pretax return on assets | 0.9931% | 3,523 |
| Return on Equity (ROE) | 15.5838% | 684 |
| Retained earnings to average equity (ytd only) | 13.7116% | 194 |
| Net charge-offs to loans | -0.2329% | 6,286 |
| Credit loss provision to net charge-offs | 225.3870% | 1,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2536% | 1,142 |
| Assets per employee ($millions) | 2.8172% | 5,911 |
| Cash dividends to net income (ytd only)* | 12.0137% | 4,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 5,429 |
| Loan loss allowance to noncurrent loans | 779.2350% | 748 |
| Noncurrent assets plus other real estate owned to assets | 1.3063% | 2,155 |
| Noncurrent loans to loans | 0.1173% | 5,425 |
| Net loans and leases to total assets | 84.4111% | 314 |
| Net loans and leases to deposits | 99.3438% | 661 |
| Net loans and leases to core deposits | 110.1034% | 767 |
| Total domestic deposits to total assets | 84.9687% | 3,295 |
| Equity capital to assets | 9.9936% | 4,122 |
| Core capital (leverage) ratio | 9.7369% | 3,922 |
| Tier 1 risk-based capital ratio | 15.0626% | 3,457 |
| Total risk-based capital ratio | 16.2707% | 3,416 |
| Memoranda: | ||
| Average total assets | $172,997,800 | 3,291 |
| Average earning assets | $161,607,000 | 3,257 |
| Average equity | $16,825,200 | 3,551 |
| Average total loans | $138,671,600 | 2,729 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 3,129 |
| Cost of funding earning assets | 0.7235% | 1,027 |
| Net interest margin | 3.4366% | 4,085 |
| Noninterest income to average assets | 0.8932% | 1,544 |
| Noninterest expense to average assets | 3.4133% | 1,631 |
| Loan and lease loss provision to assets | -0.2683% | 6,440 |
| Net operating income to assets | 0.9691% | 2,602 |
| Return on assets (ROA) | 0.9886% | 2,568 |
| Pretax return on assets | 0.9886% | 3,636 |
| Return on Equity (ROE) | 10.2409% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.1066% | 953 |
| Net charge-offs to loans | -0.3186% | 6,406 |
| Credit loss provision to net charge-offs | 106.8536% | 2,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9658% | 1,498 |
| Assets per employee ($millions) | 2.8748% | 5,879 |
| Cash dividends to net income (ytd only)* | 11.0758% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 4,125 |
| Loan loss allowance to noncurrent loans | 947.1204% | 598 |
| Noncurrent assets plus other real estate owned to assets | 1.0989% | 2,756 |
| Noncurrent loans to loans | 0.1288% | 5,533 |
| Net loans and leases to total assets | 83.4998% | 364 |
| Net loans and leases to deposits | 98.3576% | 714 |
| Net loans and leases to core deposits | 104.7388% | 1,050 |
| Total domestic deposits to total assets | 84.8941% | 3,379 |
| Equity capital to assets | 9.7610% | 4,468 |
| Core capital (leverage) ratio | 9.7580% | 3,984 |
| Tier 1 risk-based capital ratio | 15.0510% | 3,557 |
| Total risk-based capital ratio | 16.3053% | 3,490 |
| Memoranda: | ||
| Average total assets | $170,467,750 | 3,358 |
| Average earning assets | $159,765,750 | 3,309 |
| Average equity | $16,456,500 | 3,622 |
| Average total loans | $134,340,000 | 2,799 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,621 |
| Cost of funding earning assets | 0.7376% | 980 |
| Net interest margin | 3.2908% | 4,627 |
| Noninterest income to average assets | 0.9725% | 1,279 |
| Noninterest expense to average assets | 3.3926% | 1,693 |
| Loan and lease loss provision to assets | 0.0355% | 3,575 |
| Net operating income to assets | 0.6361% | 4,178 |
| Return on assets (ROA) | 0.6657% | 4,115 |
| Pretax return on assets | 0.6657% | 4,749 |
| Return on Equity (ROE) | 6.9227% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.0482% | 2,297 |
| Net charge-offs to loans | 0.0771% | 2,917 |
| Credit loss provision to net charge-offs | 60.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 11.3400% | 2,166 |
| Efficiency ratio | 83.4742% | 1,573 |
| Assets per employee ($millions) | 3.0422% | 5,695 |
| Cash dividends to net income (ytd only)* | 12.6335% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 3,997 |
| Loan loss allowance to noncurrent loans | 285.6467% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 1,927 |
| Noncurrent loans to loans | 0.4463% | 4,643 |
| Net loans and leases to total assets | 82.3187% | 441 |
| Net loans and leases to deposits | 96.9807% | 739 |
| Net loans and leases to core deposits | 100.0185% | 1,281 |
| Total domestic deposits to total assets | 84.8815% | 3,572 |
| Equity capital to assets | 9.6765% | 4,520 |
| Core capital (leverage) ratio | 9.6729% | 4,080 |
| Tier 1 risk-based capital ratio | 15.1733% | 3,541 |
| Total risk-based capital ratio | 16.4283% | 3,481 |
| Memoranda: | ||
| Average total assets | $168,836,330 | 3,397 |
| Average earning assets | $158,626,330 | 3,343 |
| Average equity | $16,236,330 | 3,655 |
| Average total loans | $129,708,000 | 2,874 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 3,889 |
| Cost of funding earning assets | 0.7432% | 998 |
| Net interest margin | 3.2079% | 4,899 |
| Noninterest income to average assets | 1.1138% | 901 |
| Noninterest expense to average assets | 3.4199% | 1,651 |
| Loan and lease loss provision to assets | 0.0357% | 3,344 |
| Net operating income to assets | 0.6783% | 3,796 |
| Return on assets (ROA) | 0.6783% | 3,876 |
| Pretax return on assets | 0.6783% | 4,559 |
| Return on Equity (ROE) | 7.0755% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.0755% | 2,007 |
| Net charge-offs to loans | 0.1910% | 1,587 |
| Credit loss provision to net charge-offs | 25.4237% | 2,444 |
| Earnings coverage of net charge-offs (x) | 5.0847% | 2,429 |
| Efficiency ratio | 82.7288% | 1,831 |
| Assets per employee ($millions) | 3.0517% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,478 |
| Loan loss allowance to noncurrent loans | 279.6557% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 1.7781% | 1,976 |
| Noncurrent loans to loans | 0.5103% | 4,634 |
| Net loans and leases to total assets | 70.9670% | 1,727 |
| Net loans and leases to deposits | 81.5362% | 2,093 |
| Net loans and leases to core deposits | 86.8976% | 2,208 |
| Total domestic deposits to total assets | 87.0374% | 2,785 |
| Equity capital to assets | 9.3569% | 4,687 |
| Core capital (leverage) ratio | 9.3556% | 4,494 |
| Tier 1 risk-based capital ratio | 16.7376% | 2,793 |
| Total risk-based capital ratio | 17.9945% | 2,756 |
| Memoranda: | ||
| Average total assets | $168,074,000 | 3,434 |
| Average earning assets | $158,236,000 | 3,373 |
| Average equity | $16,112,000 | 3,681 |
| Average total loans | $123,537,000 | 2,999 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 1,312 |
| Cost of funding earning assets | 0.8143% | 1,130 |
| Net interest margin | 3.9860% | 1,988 |
| Noninterest income to average assets | 1.0598% | 1,255 |
| Noninterest expense to average assets | 4.8493% | 389 |
| Loan and lease loss provision to assets | 0.1745% | 2,116 |
| Net operating income to assets | -0.3074% | 6,418 |
| Return on assets (ROA) | -0.3074% | 6,438 |
| Pretax return on assets | -0.3074% | 6,415 |
| Return on Equity (ROE) | -3.1749% | 6,439 |
| Retained earnings to average equity (ytd only) | -3.1749% | 6,280 |
| Net charge-offs to loans | 0.4019% | 1,678 |
| Credit loss provision to net charge-offs | 53.2787% | 3,745 |
| Earnings coverage of net charge-offs (x) | -0.4057% | 5,183 |
| Efficiency ratio | 102.8177% | 406 |
| Assets per employee ($millions) | 2.8456% | 6,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 3,175 |
| Loan loss allowance to noncurrent loans | 445.4988% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 1.7830% | 2,073 |
| Noncurrent loans to loans | 0.3373% | 5,176 |
| Net loans and leases to total assets | 73.9891% | 1,351 |
| Net loans and leases to deposits | 85.6897% | 1,723 |
| Net loans and leases to core deposits | 91.8133% | 1,811 |
| Total domestic deposits to total assets | 86.3453% | 3,085 |
| Equity capital to assets | 9.8322% | 3,984 |
| Core capital (leverage) ratio | 9.8586% | 3,762 |
| Tier 1 risk-based capital ratio | 16.9634% | 2,626 |
| Total risk-based capital ratio | 18.2216% | 2,586 |
| Memoranda: | ||
| Average total assets | $148,991,800 | 3,722 |
| Average earning assets | $136,678,200 | 3,713 |
| Average equity | $14,425,800 | 3,983 |
| Average total loans | $121,416,400 | 3,009 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8292% | 1,287 |
| Cost of funding earning assets | 0.8256% | 1,187 |
| Net interest margin | 4.0036% | 1,933 |
| Noninterest income to average assets | 0.8035% | 2,127 |
| Noninterest expense to average assets | 4.8714% | 370 |
| Loan and lease loss provision to assets | 0.2242% | 1,618 |
| Net operating income to assets | -0.6443% | 6,639 |
| Return on assets (ROA) | -0.6443% | 6,646 |
| Pretax return on assets | -0.6443% | 6,632 |
| Return on Equity (ROE) | -6.6830% | 6,643 |
| Retained earnings to average equity (ytd only) | -6.6830% | 6,561 |
| Net charge-offs to loans | 0.5462% | 1,163 |
| Credit loss provision to net charge-offs | 49.2958% | 3,527 |
| Earnings coverage of net charge-offs (x) | -0.9235% | 5,003 |
| Efficiency ratio | 109.4367% | 277 |
| Assets per employee ($millions) | 2.7666% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 3,988 |
| Loan loss allowance to noncurrent loans | 545.9215% | 823 |
| Noncurrent assets plus other real estate owned to assets | 2.7497% | 1,363 |
| Noncurrent loans to loans | 0.2528% | 5,594 |
| Net loans and leases to total assets | 84.8780% | 193 |
| Net loans and leases to deposits | 97.0375% | 623 |
| Net loans and leases to core deposits | 99.8068% | 1,128 |
| Total domestic deposits to total assets | 87.4693% | 2,434 |
| Equity capital to assets | 10.3383% | 3,460 |
| Core capital (leverage) ratio | 10.3473% | 3,170 |
| Tier 1 risk-based capital ratio | 15.6161% | 3,394 |
| Total risk-based capital ratio | 16.8728% | 3,355 |
| Memoranda: | ||
| Average total assets | $145,689,500 | 3,819 |
| Average earning assets | $132,744,500 | 3,823 |
| Average equity | $14,045,250 | 4,102 |
| Average total loans | $121,310,000 | 3,032 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 1,490 |
| Cost of funding earning assets | 0.8353% | 1,231 |
| Net interest margin | 3.8950% | 2,226 |
| Noninterest income to average assets | 0.5657% | 3,409 |
| Noninterest expense to average assets | 5.4274% | 269 |
| Loan and lease loss provision to assets | 0.3205% | 1,092 |
| Net operating income to assets | -1.6540% | 6,823 |
| Return on assets (ROA) | -1.6540% | 6,825 |
| Pretax return on assets | -1.6540% | 6,818 |
| Return on Equity (ROE) | -17.6069% | 6,812 |
| Retained earnings to average equity (ytd only) | -17.6069% | 6,782 |
| Net charge-offs to loans | 0.8586% | 725 |
| Credit loss provision to net charge-offs | 45.3649% | 3,315 |
| Earnings coverage of net charge-offs (x) | -1.8876% | 4,763 |
| Efficiency ratio | 132.5732% | 113 |
| Assets per employee ($millions) | 2.5996% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 3,841 |
| Loan loss allowance to noncurrent loans | 531.9403% | 825 |
| Noncurrent assets plus other real estate owned to assets | 2.8960% | 1,412 |
| Noncurrent loans to loans | 0.2712% | 5,623 |
| Net loans and leases to total assets | 83.6397% | 257 |
| Net loans and leases to deposits | 93.5673% | 839 |
| Net loans and leases to core deposits | 96.0844% | 1,349 |
| Total domestic deposits to total assets | 89.3899% | 1,385 |
| Equity capital to assets | 10.4885% | 3,317 |
| Core capital (leverage) ratio | 10.4835% | 2,893 |
| Tier 1 risk-based capital ratio | 15.5729% | 3,442 |
| Total risk-based capital ratio | 16.8301% | 3,389 |
| Memoranda: | ||
| Average total assets | $143,532,000 | 3,883 |
| Average earning assets | $130,012,670 | 3,904 |
| Average equity | $13,483,330 | 4,242 |
| Average total loans | $118,093,670 | 3,104 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 1,461 |
| Cost of funding earning assets | 0.8529% | 1,236 |
| Net interest margin | 3.8742% | 2,202 |
| Noninterest income to average assets | 0.7298% | 2,430 |
| Noninterest expense to average assets | 5.2600% | 306 |
| Loan and lease loss provision to assets | 0.3228% | 1,043 |
| Net operating income to assets | -1.3725% | 6,873 |
| Return on assets (ROA) | -1.3725% | 6,877 |
| Pretax return on assets | -1.3725% | 6,869 |
| Return on Equity (ROE) | -15.5355% | 6,870 |
| Retained earnings to average equity (ytd only) | -15.5355% | 6,758 |
| Net charge-offs to loans | 1.5047% | 361 |
| Credit loss provision to net charge-offs | 26.4977% | 2,938 |
| Earnings coverage of net charge-offs (x) | -0.8618% | 3,956 |
| Efficiency ratio | 124.9333% | 181 |
| Assets per employee ($millions) | 2.5615% | 6,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 3,795 |
| Loan loss allowance to noncurrent loans | 164.1509% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 4.1277% | 946 |
| Noncurrent loans to loans | 0.9185% | 4,296 |
| Net loans and leases to total assets | 79.2394% | 499 |
| Net loans and leases to deposits | 87.1597% | 1,227 |
| Net loans and leases to core deposits | 89.5099% | 1,754 |
| Total domestic deposits to total assets | 90.9129% | 563 |
| Equity capital to assets | 8.9553% | 5,551 |
| Core capital (leverage) ratio | 8.9553% | 4,959 |
| Tier 1 risk-based capital ratio | 13.3484% | 4,973 |
| Total risk-based capital ratio | 14.6058% | 4,922 |
| Memoranda: | ||
| Average total assets | $142,509,000 | 3,938 |
| Average earning assets | $128,028,000 | 3,982 |
| Average equity | $12,590,500 | 4,455 |
| Average total loans | $115,369,000 | 3,173 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 2,200 |
| Cost of funding earning assets | 0.9040% | 1,912 |
| Net interest margin | 3.8956% | 2,848 |
| Noninterest income to average assets | 0.8385% | 2,091 |
| Noninterest expense to average assets | 3.5215% | 1,773 |
| Loan and lease loss provision to assets | 0.1756% | 3,426 |
| Net operating income to assets | 0.6557% | 3,959 |
| Return on assets (ROA) | 0.6557% | 4,226 |
| Pretax return on assets | 0.6557% | 4,806 |
| Return on Equity (ROE) | 7.5959% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.5959% | 1,284 |
| Net charge-offs to loans | 0.4316% | 2,508 |
| Credit loss provision to net charge-offs | 53.6105% | 4,607 |
| Earnings coverage of net charge-offs (x) | 2.5383% | 4,148 |
| Efficiency ratio | 80.9022% | 2,021 |
| Assets per employee ($millions) | 2.6217% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 2,635 |
| Loan loss allowance to noncurrent loans | 123.1459% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 4.9339% | 791 |
| Noncurrent loans to loans | 1.4497% | 3,426 |
| Net loans and leases to total assets | 80.0110% | 471 |
| Net loans and leases to deposits | 87.7467% | 1,306 |
| Net loans and leases to core deposits | 89.7917% | 1,860 |
| Total domestic deposits to total assets | 91.1841% | 436 |
| Equity capital to assets | 8.7128% | 5,838 |
| Core capital (leverage) ratio | 8.7128% | 5,312 |
| Tier 1 risk-based capital ratio | 12.6881% | 5,332 |
| Total risk-based capital ratio | 13.9492% | 5,266 |
| Memoranda: | ||
| Average total assets | $139,542,400 | 3,960 |
| Average earning assets | $125,886,000 | 3,982 |
| Average equity | $12,046,000 | 4,558 |
| Average total loans | $105,874,200 | 3,377 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 2,940 |
| Cost of funding earning assets | 0.9129% | 2,085 |
| Net interest margin | 3.7537% | 3,528 |
| Noninterest income to average assets | 0.8938% | 1,850 |
| Noninterest expense to average assets | 3.2682% | 2,363 |
| Loan and lease loss provision to assets | 0.1007% | 4,314 |
| Net operating income to assets | 0.9120% | 2,919 |
| Return on assets (ROA) | 0.9120% | 3,149 |
| Pretax return on assets | 0.9120% | 4,062 |
| Return on Equity (ROE) | 10.5896% | 2,102 |
| Retained earnings to average equity (ytd only) | 10.5896% | 766 |
| Net charge-offs to loans | 0.3761% | 2,594 |
| Credit loss provision to net charge-offs | 35.9589% | 4,704 |
| Earnings coverage of net charge-offs (x) | 3.6165% | 3,576 |
| Efficiency ratio | 76.3441% | 2,623 |
| Assets per employee ($millions) | 2.5315% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 2,689 |
| Loan loss allowance to noncurrent loans | 244.8884% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 4.4739% | 1,042 |
| Noncurrent loans to loans | 0.7497% | 4,919 |
| Net loans and leases to total assets | 81.5074% | 385 |
| Net loans and leases to deposits | 89.8319% | 1,166 |
| Net loans and leases to core deposits | 92.4327% | 1,737 |
| Total domestic deposits to total assets | 90.7332% | 506 |
| Equity capital to assets | 9.0495% | 5,776 |
| Core capital (leverage) ratio | 9.0503% | 4,988 |
| Tier 1 risk-based capital ratio | 12.8223% | 5,392 |
| Total risk-based capital ratio | 14.0836% | 5,353 |
| Memoranda: | ||
| Average total assets | $139,034,750 | 4,004 |
| Average earning assets | $125,454,000 | 4,030 |
| Average equity | $11,973,750 | 4,619 |
| Average total loans | $103,509,500 | 3,473 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 3,459 |
| Cost of funding earning assets | 0.9257% | 2,218 |
| Net interest margin | 3.6491% | 4,047 |
| Noninterest income to average assets | 0.8411% | 1,998 |
| Noninterest expense to average assets | 2.8996% | 3,621 |
| Loan and lease loss provision to assets | 0.1287% | 3,913 |
| Net operating income to assets | 1.1115% | 2,004 |
| Return on assets (ROA) | 1.1115% | 2,221 |
| Pretax return on assets | 1.1115% | 3,265 |
| Return on Equity (ROE) | 13.1235% | 1,331 |
| Retained earnings to average equity (ytd only) | 13.1235% | 427 |
| Net charge-offs to loans | 0.4991% | 2,088 |
| Credit loss provision to net charge-offs | 36.0000% | 4,340 |
| Earnings coverage of net charge-offs (x) | 3.4680% | 3,360 |
| Efficiency ratio | 70.0415% | 3,754 |
| Assets per employee ($millions) | 2.5843% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 2,215 |
| Loan loss allowance to noncurrent loans | 63.9697% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 5.5871% | 790 |
| Noncurrent loans to loans | 3.1330% | 1,866 |
| Net loans and leases to total assets | 73.9654% | 1,247 |
| Net loans and leases to deposits | 81.1607% | 2,211 |
| Net loans and leases to core deposits | 83.8044% | 2,717 |
| Total domestic deposits to total assets | 91.1346% | 410 |
| Equity capital to assets | 8.7329% | 5,988 |
| Core capital (leverage) ratio | 8.7400% | 5,315 |
| Tier 1 risk-based capital ratio | 13.2809% | 4,975 |
| Total risk-based capital ratio | 14.5439% | 4,936 |
| Memoranda: | ||
| Average total assets | $139,812,000 | 4,016 |
| Average earning assets | $126,388,000 | 4,026 |
| Average equity | $11,841,330 | 4,640 |
| Average total loans | $100,177,000 | 3,566 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 3,918 |
| Cost of funding earning assets | 0.9452% | 2,340 |
| Net interest margin | 3.5532% | 4,477 |
| Noninterest income to average assets | 0.6403% | 2,985 |
| Noninterest expense to average assets | 2.2238% | 5,980 |
| Loan and lease loss provision to assets | 0.2144% | 2,809 |
| Net operating income to assets | 1.4149% | 1,196 |
| Return on assets (ROA) | 1.4149% | 1,342 |
| Pretax return on assets | 1.4149% | 2,144 |
| Return on Equity (ROE) | 16.9688% | 678 |
| Retained earnings to average equity (ytd only) | 16.9688% | 310 |
| Net charge-offs to loans | 0.8197% | 1,253 |
| Credit loss provision to net charge-offs | 37.5000% | 3,487 |
| Earnings coverage of net charge-offs (x) | 2.8500% | 3,042 |
| Efficiency ratio | 57.7151% | 5,957 |
| Assets per employee ($millions) | 2.6990% | 6,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1650% | 1,956 |
| Loan loss allowance to noncurrent loans | 49.2089% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 5.5883% | 869 |
| Noncurrent loans to loans | 4.3996% | 1,337 |
| Net loans and leases to total assets | 67.7929% | 2,151 |
| Net loans and leases to deposits | 74.0593% | 3,118 |
| Net loans and leases to core deposits | 76.3893% | 3,571 |
| Total domestic deposits to total assets | 91.5386% | 365 |
| Equity capital to assets | 8.3279% | 6,247 |
| Core capital (leverage) ratio | 8.3293% | 5,825 |
| Tier 1 risk-based capital ratio | 13.5943% | 4,757 |
| Total risk-based capital ratio | 14.8596% | 4,733 |
| Memoranda: | ||
| Average total assets | $139,941,500 | 4,035 |
| Average earning assets | $126,535,500 | 4,049 |
| Average equity | $11,668,500 | 4,682 |
| Average total loans | $97,599,500 | 3,649 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1913% | 2,099 |
| Cost of funding earning assets | 1.0619% | 2,942 |
| Net interest margin | 4.1294% | 2,311 |
| Noninterest income to average assets | 0.5364% | 3,610 |
| Noninterest expense to average assets | 3.5825% | 1,778 |
| Loan and lease loss provision to assets | 1.3051% | 631 |
| Net operating income to assets | -1.5639% | 6,920 |
| Return on assets (ROA) | -1.3831% | 6,899 |
| Pretax return on assets | -0.5221% | 6,507 |
| Return on Equity (ROE) | -14.9110% | 6,891 |
| Retained earnings to average equity (ytd only) | -14.9110% | 6,869 |
| Net charge-offs to loans | 2.1093% | 634 |
| Credit loss provision to net charge-offs | 85.3538% | 4,226 |
| Earnings coverage of net charge-offs (x) | 0.3939% | 5,522 |
| Efficiency ratio | 85.6084% | 1,604 |
| Assets per employee ($millions) | 2.6314% | 6,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3638% | 1,514 |
| Loan loss allowance to noncurrent loans | 45.0774% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 7.0582% | 643 |
| Noncurrent loans to loans | 5.2438% | 1,039 |
| Net loans and leases to total assets | 68.5539% | 2,302 |
| Net loans and leases to deposits | 74.8948% | 3,364 |
| Net loans and leases to core deposits | 77.5126% | 3,747 |
| Total domestic deposits to total assets | 91.5335% | 327 |
| Equity capital to assets | 8.3488% | 6,304 |
| Core capital (leverage) ratio | 8.3462% | 5,785 |
| Tier 1 risk-based capital ratio | 12.9584% | 5,099 |
| Total risk-based capital ratio | 14.2248% | 5,067 |
| Memoranda: | ||
| Average total assets | $132,169,400 | 4,124 |
| Average earning assets | $116,772,400 | 4,217 |
| Average equity | $12,259,400 | 4,489 |
| Average total loans | $95,816,000 | 3,729 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2990% | 1,861 |
| Cost of funding earning assets | 1.0751% | 3,144 |
| Net interest margin | 4.2239% | 2,006 |
| Noninterest income to average assets | 0.9241% | 1,568 |
| Noninterest expense to average assets | 3.7118% | 1,470 |
| Loan and lease loss provision to assets | 1.7098% | 360 |
| Net operating income to assets | -0.4702% | 6,622 |
| Return on assets (ROA) | -0.3145% | 6,565 |
| Pretax return on assets | -0.5353% | 6,640 |
| Return on Equity (ROE) | -3.3043% | 6,577 |
| Retained earnings to average equity (ytd only) | -3.3043% | 6,445 |
| Net charge-offs to loans | 2.3212% | 504 |
| Credit loss provision to net charge-offs | 100.7798% | 3,337 |
| Earnings coverage of net charge-offs (x) | 0.5489% | 5,221 |
| Efficiency ratio | 79.9430% | 2,260 |
| Assets per employee ($millions) | 2.4543% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6833% | 1,149 |
| Loan loss allowance to noncurrent loans | 80.0248% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 6.1170% | 866 |
| Noncurrent loans to loans | 3.3531% | 2,059 |
| Net loans and leases to total assets | 70.6020% | 1,963 |
| Net loans and leases to deposits | 78.4636% | 2,893 |
| Net loans and leases to core deposits | 81.5299% | 3,402 |
| Total domestic deposits to total assets | 89.9806% | 876 |
| Equity capital to assets | 9.7681% | 4,671 |
| Core capital (leverage) ratio | 9.3101% | 4,434 |
| Tier 1 risk-based capital ratio | 13.3712% | 4,827 |
| Total risk-based capital ratio | 14.6402% | 4,785 |
| Memoranda: | ||
| Average total assets | $131,003,250 | 4,181 |
| Average earning assets | $115,340,000 | 4,270 |
| Average equity | $12,468,250 | 4,456 |
| Average total loans | $95,751,000 | 3,764 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3075% | 1,860 |
| Cost of funding earning assets | 1.0821% | 3,376 |
| Net interest margin | 4.2254% | 1,936 |
| Noninterest income to average assets | 0.7771% | 2,124 |
| Noninterest expense to average assets | 3.7136% | 1,506 |
| Loan and lease loss provision to assets | 2.5059% | 209 |
| Net operating income to assets | -1.0575% | 6,960 |
| Return on assets (ROA) | -1.0575% | 6,971 |
| Pretax return on assets | -1.7258% | 7,119 |
| Return on Equity (ROE) | -11.2113% | 6,971 |
| Retained earnings to average equity (ytd only) | -11.2113% | 6,918 |
| Net charge-offs to loans | 3.4031% | 268 |
| Credit loss provision to net charge-offs | 100.4917% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.3128% | 5,079 |
| Efficiency ratio | 82.6398% | 2,001 |
| Assets per employee ($millions) | 2.5170% | 6,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7084% | 1,173 |
| Loan loss allowance to noncurrent loans | 84.2329% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 5.6646% | 1,026 |
| Noncurrent loans to loans | 3.2154% | 2,226 |
| Net loans and leases to total assets | 70.6717% | 2,079 |
| Net loans and leases to deposits | 78.3085% | 3,076 |
| Net loans and leases to core deposits | 81.4802% | 3,584 |
| Total domestic deposits to total assets | 90.2479% | 839 |
| Equity capital to assets | 9.5879% | 4,675 |
| Core capital (leverage) ratio | 8.9238% | 4,841 |
| Tier 1 risk-based capital ratio | 12.6966% | 5,179 |
| Total risk-based capital ratio | 13.9657% | 5,136 |
| Memoranda: | ||
| Average total assets | $130,493,330 | 4,221 |
| Average earning assets | $114,781,330 | 4,310 |
| Average equity | $12,309,000 | 4,473 |
| Average total loans | $95,617,670 | 3,805 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 2,646 |
| Cost of funding earning assets | 1.1135% | 3,431 |
| Net interest margin | 3.9877% | 2,735 |
| Noninterest income to average assets | 0.7091% | 2,525 |
| Noninterest expense to average assets | 3.8496% | 1,245 |
| Loan and lease loss provision to assets | 4.8811% | 64 |
| Net operating income to assets | -2.7905% | 7,376 |
| Return on assets (ROA) | -2.7905% | 7,376 |
| Pretax return on assets | -4.5035% | 7,461 |
| Return on Equity (ROE) | -29.8302% | 7,316 |
| Retained earnings to average equity (ytd only) | -29.8302% | 7,290 |
| Net charge-offs to loans | 5.4771% | 130 |
| Credit loss provision to net charge-offs | 121.0967% | 2,257 |
| Earnings coverage of net charge-offs (x) | 0.0937% | 4,529 |
| Efficiency ratio | 91.0675% | 1,236 |
| Assets per employee ($millions) | 2.5367% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9249% | 981 |
| Loan loss allowance to noncurrent loans | 38.1233% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 8.3974% | 542 |
| Noncurrent loans to loans | 7.6722% | 672 |
| Net loans and leases to total assets | 72.9590% | 1,521 |
| Net loans and leases to deposits | 80.7125% | 2,567 |
| Net loans and leases to core deposits | 83.4025% | 3,242 |
| Total domestic deposits to total assets | 90.3937% | 903 |
| Equity capital to assets | 9.4285% | 4,527 |
| Core capital (leverage) ratio | 8.5955% | 5,271 |
| Tier 1 risk-based capital ratio | 11.6090% | 6,016 |
| Total risk-based capital ratio | 12.8809% | 5,987 |
| Memoranda: | ||
| Average total assets | $130,298,000 | 4,254 |
| Average earning assets | $114,953,000 | 4,325 |
| Average equity | $12,189,000 | 4,507 |
| Average total loans | $95,890,000 | 3,838 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 2,271 |
| Cost of funding earning assets | 1.4922% | 2,694 |
| Net interest margin | 4.0105% | 2,975 |
| Noninterest income to average assets | -0.1559% | 7,442 |
| Noninterest expense to average assets | 3.3547% | 2,571 |
| Loan and lease loss provision to assets | 3.8890% | 171 |
| Net operating income to assets | -2.5205% | 7,180 |
| Return on assets (ROA) | -2.3535% | 7,162 |
| Pretax return on assets | -3.5670% | 7,379 |
| Return on Equity (ROE) | -24.1782% | 7,112 |
| Retained earnings to average equity (ytd only) | -24.1782% | 7,092 |
| Net charge-offs to loans | 3.6893% | 371 |
| Credit loss provision to net charge-offs | 147.8261% | 2,475 |
| Earnings coverage of net charge-offs (x) | 0.0262% | 6,099 |
| Efficiency ratio | 97.9863% | 871 |
| Assets per employee ($millions) | 2.5235% | 6,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7151% | 1,146 |
| Loan loss allowance to noncurrent loans | 44.3504% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 8.4132% | 563 |
| Noncurrent loans to loans | 6.1219% | 1,009 |
| Net loans and leases to total assets | 70.0942% | 2,517 |
| Net loans and leases to deposits | 77.4540% | 3,594 |
| Net loans and leases to core deposits | 80.3422% | 4,163 |
| Total domestic deposits to total assets | 90.4978% | 836 |
| Equity capital to assets | 9.2820% | 4,708 |
| Core capital (leverage) ratio | 8.4763% | 5,406 |
| Tier 1 risk-based capital ratio | 11.5004% | 5,912 |
| Total risk-based capital ratio | 12.7682% | 5,902 |
| Memoranda: | ||
| Average total assets | $127,641,600 | 4,324 |
| Average earning assets | $113,926,400 | 4,378 |
| Average equity | $12,424,400 | 4,500 |
| Average total loans | $91,019,400 | 4,026 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 2,327 |
| Cost of funding earning assets | 1.5499% | 2,679 |
| Net interest margin | 3.9786% | 3,195 |
| Noninterest income to average assets | -0.0736% | 7,519 |
| Noninterest expense to average assets | 3.1674% | 3,043 |
| Loan and lease loss provision to assets | 3.6534% | 187 |
| Net operating income to assets | -2.0615% | 7,252 |
| Return on assets (ROA) | -1.8441% | 7,208 |
| Pretax return on assets | -2.9875% | 7,413 |
| Return on Equity (ROE) | -18.7199% | 7,197 |
| Retained earnings to average equity (ytd only) | -18.7199% | 7,178 |
| Net charge-offs to loans | 3.1033% | 481 |
| Credit loss provision to net charge-offs | 165.5386% | 2,262 |
| Earnings coverage of net charge-offs (x) | 0.1478% | 5,877 |
| Efficiency ratio | 90.6655% | 1,233 |
| Assets per employee ($millions) | 2.6534% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5421% | 1,282 |
| Loan loss allowance to noncurrent loans | 32.5530% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 8.5444% | 559 |
| Noncurrent loans to loans | 7.8090% | 679 |
| Net loans and leases to total assets | 67.5033% | 3,331 |
| Net loans and leases to deposits | 75.3912% | 4,284 |
| Net loans and leases to core deposits | 78.7448% | 4,708 |
| Total domestic deposits to total assets | 89.5374% | 1,105 |
| Equity capital to assets | 10.2192% | 3,855 |
| Core capital (leverage) ratio | 9.7056% | 3,614 |
| Tier 1 risk-based capital ratio | 13.2755% | 4,369 |
| Total risk-based capital ratio | 14.5396% | 4,328 |
| Memoranda: | ||
| Average total assets | $126,746,500 | 4,397 |
| Average earning assets | $113,639,250 | 4,440 |
| Average equity | $12,485,500 | 4,554 |
| Average total loans | $90,137,750 | 4,108 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7155% | 1,706 |
| Cost of funding earning assets | 1.5711% | 2,827 |
| Net interest margin | 4.1444% | 2,350 |
| Noninterest income to average assets | -0.0465% | 7,586 |
| Noninterest expense to average assets | 3.0616% | 3,462 |
| Loan and lease loss provision to assets | 5.3746% | 89 |
| Net operating income to assets | -3.1121% | 7,522 |
| Return on assets (ROA) | -3.1017% | 7,525 |
| Pretax return on assets | -4.7415% | 7,666 |
| Return on Equity (ROE) | -31.9096% | 7,454 |
| Retained earnings to average equity (ytd only) | -31.9096% | 7,443 |
| Net charge-offs to loans | 5.0071% | 206 |
| Credit loss provision to net charge-offs | 149.5540% | 2,636 |
| Earnings coverage of net charge-offs (x) | 0.1717% | 5,547 |
| Efficiency ratio | 83.2244% | 2,010 |
| Assets per employee ($millions) | 2.5592% | 7,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 1,464 |
| Loan loss allowance to noncurrent loans | 23.4019% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 9.6912% | 433 |
| Noncurrent loans to loans | 10.1526% | 439 |
| Net loans and leases to total assets | 65.2291% | 4,002 |
| Net loans and leases to deposits | 72.8239% | 4,867 |
| Net loans and leases to core deposits | 78.1855% | 4,921 |
| Total domestic deposits to total assets | 89.5709% | 1,141 |
| Equity capital to assets | 10.2758% | 3,678 |
| Core capital (leverage) ratio | 10.2291% | 2,910 |
| Tier 1 risk-based capital ratio | 15.0111% | 3,147 |
| Total risk-based capital ratio | 16.2749% | 3,113 |
| Memoranda: | ||
| Average total assets | $124,771,330 | 4,476 |
| Average earning assets | $112,152,000 | 4,503 |
| Average equity | $12,128,000 | 4,646 |
| Average total loans | $89,552,330 | 4,154 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9445% | 1,091 |
| Cost of funding earning assets | 1.5888% | 3,026 |
| Net interest margin | 4.3557% | 1,519 |
| Noninterest income to average assets | 0.2625% | 6,053 |
| Noninterest expense to average assets | 3.0321% | 3,555 |
| Loan and lease loss provision to assets | 0.3446% | 3,313 |
| Net operating income to assets | 0.4824% | 4,487 |
| Return on assets (ROA) | 0.4824% | 4,616 |
| Pretax return on assets | 0.8171% | 3,800 |
| Return on Equity (ROE) | 5.1193% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.1193% | 3,090 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3005% | 3,876 |
| Assets per employee ($millions) | 2.6497% | 6,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 4,571 |
| Loan loss allowance to noncurrent loans | 34.9887% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 5.0253% | 1,276 |
| Noncurrent loans to loans | 3.9197% | 2,022 |
| Net loans and leases to total assets | 73.1646% | 2,162 |
| Net loans and leases to deposits | 81.1111% | 3,442 |
| Net loans and leases to core deposits | 86.3180% | 3,845 |
| Total domestic deposits to total assets | 90.2030% | 887 |
| Equity capital to assets | 9.5698% | 4,423 |
| Core capital (leverage) ratio | 9.7130% | 3,499 |
| Tier 1 risk-based capital ratio | 13.2492% | 4,170 |
| Total risk-based capital ratio | 14.5003% | 4,111 |
| Memoranda: | ||
| Average total assets | $121,897,000 | 4,585 |
| Average earning assets | $110,017,500 | 4,609 |
| Average equity | $11,486,000 | 4,851 |
| Average total loans | $90,724,000 | 4,186 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0635% | 1,629 |
| Cost of funding earning assets | 2.2563% | 1,817 |
| Net interest margin | 3.8071% | 3,673 |
| Noninterest income to average assets | 0.4965% | 4,445 |
| Noninterest expense to average assets | 3.6393% | 2,061 |
| Loan and lease loss provision to assets | 1.3942% | 1,644 |
| Net operating income to assets | -0.6987% | 6,366 |
| Return on assets (ROA) | -0.6936% | 6,355 |
| Pretax return on assets | -1.1389% | 6,501 |
| Return on Equity (ROE) | -7.2543% | 6,405 |
| Retained earnings to average equity (ytd only) | -7.2543% | 6,267 |
| Net charge-offs to loans | 1.5582% | 1,619 |
| Credit loss provision to net charge-offs | 121.7593% | 4,357 |
| Earnings coverage of net charge-offs (x) | 0.2160% | 5,915 |
| Efficiency ratio | 93.6349% | 1,434 |
| Assets per employee ($millions) | 2.7091% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 5,069 |
| Loan loss allowance to noncurrent loans | 32.0542% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 5.0242% | 1,220 |
| Noncurrent loans to loans | 3.8931% | 1,906 |
| Net loans and leases to total assets | 73.7396% | 2,327 |
| Net loans and leases to deposits | 81.4312% | 3,709 |
| Net loans and leases to core deposits | 109.2522% | 2,976 |
| Total domestic deposits to total assets | 90.5545% | 716 |
| Equity capital to assets | 9.2757% | 4,731 |
| Core capital (leverage) ratio | 9.5643% | 3,646 |
| Tier 1 risk-based capital ratio | 12.6346% | 4,414 |
| Total risk-based capital ratio | 13.8588% | 4,380 |
| Memoranda: | ||
| Average total assets | $113,181,600 | 4,752 |
| Average earning assets | $100,784,200 | 4,822 |
| Average equity | $10,821,200 | 5,073 |
| Average total loans | $83,170,400 | 4,409 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0649% | 1,780 |
| Cost of funding earning assets | 2.4457% | 1,463 |
| Net interest margin | 3.6192% | 4,410 |
| Noninterest income to average assets | 0.4949% | 4,528 |
| Noninterest expense to average assets | 3.8245% | 1,551 |
| Loan and lease loss provision to assets | 1.4750% | 1,301 |
| Net operating income to assets | -1.0078% | 6,837 |
| Return on assets (ROA) | -1.0078% | 6,846 |
| Pretax return on assets | -1.5928% | 7,008 |
| Return on Equity (ROE) | -10.4551% | 6,925 |
| Retained earnings to average equity (ytd only) | -10.4551% | 6,845 |
| Net charge-offs to loans | 1.4925% | 1,374 |
| Credit loss provision to net charge-offs | 135.0935% | 3,674 |
| Earnings coverage of net charge-offs (x) | -0.1078% | 6,193 |
| Efficiency ratio | 103.1756% | 945 |
| Assets per employee ($millions) | 2.4835% | 7,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,349 |
| Loan loss allowance to noncurrent loans | 32.7192% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 5.1795% | 1,123 |
| Noncurrent loans to loans | 4.0514% | 1,811 |
| Net loans and leases to total assets | 76.3671% | 1,922 |
| Net loans and leases to deposits | 85.2079% | 3,465 |
| Net loans and leases to core deposits | 103.4114% | 4,006 |
| Total domestic deposits to total assets | 89.6244% | 914 |
| Equity capital to assets | 10.1209% | 3,937 |
| Core capital (leverage) ratio | 10.1990% | 3,068 |
| Tier 1 risk-based capital ratio | 13.0864% | 4,132 |
| Total risk-based capital ratio | 14.2920% | 4,100 |
| Memoranda: | ||
| Average total assets | $110,999,500 | 4,829 |
| Average earning assets | $98,509,500 | 4,907 |
| Average equity | $10,699,500 | 5,143 |
| Average total loans | $81,205,000 | 4,516 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9535% | 2,368 |
| Cost of funding earning assets | 2.6379% | 1,188 |
| Net interest margin | 3.3155% | 5,490 |
| Noninterest income to average assets | 0.1765% | 7,034 |
| Noninterest expense to average assets | 3.8883% | 1,509 |
| Loan and lease loss provision to assets | 2.0979% | 758 |
| Net operating income to assets | -1.8668% | 7,390 |
| Return on assets (ROA) | -1.8668% | 7,385 |
| Pretax return on assets | -2.8985% | 7,545 |
| Return on Equity (ROE) | -19.7080% | 7,493 |
| Retained earnings to average equity (ytd only) | -19.7080% | 7,445 |
| Net charge-offs to loans | 2.0380% | 910 |
| Credit loss provision to net charge-offs | 143.5866% | 3,231 |
| Earnings coverage of net charge-offs (x) | -0.5479% | 6,098 |
| Efficiency ratio | 125.9281% | 574 |
| Assets per employee ($millions) | 2.6065% | 7,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,586 |
| Loan loss allowance to noncurrent loans | 35.2476% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 5.5541% | 899 |
| Noncurrent loans to loans | 4.0521% | 1,658 |
| Net loans and leases to total assets | 67.7725% | 4,189 |
| Net loans and leases to deposits | 74.8564% | 5,336 |
| Net loans and leases to core deposits | 93.5766% | 5,165 |
| Total domestic deposits to total assets | 90.5366% | 612 |
| Equity capital to assets | 9.1058% | 5,156 |
| Core capital (leverage) ratio | 9.3333% | 4,125 |
| Tier 1 risk-based capital ratio | 13.5268% | 3,801 |
| Total risk-based capital ratio | 14.7790% | 3,733 |
| Memoranda: | ||
| Average total assets | $109,919,670 | 4,887 |
| Average earning assets | $96,515,330 | 4,994 |
| Average equity | $10,412,000 | 5,238 |
| Average total loans | $78,802,330 | 4,624 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0190% | 2,281 |
| Cost of funding earning assets | 2.8062% | 965 |
| Net interest margin | 3.2128% | 5,824 |
| Noninterest income to average assets | 0.4593% | 4,689 |
| Noninterest expense to average assets | 3.7249% | 1,606 |
| Loan and lease loss provision to assets | 1.6521% | 753 |
| Net operating income to assets | -2.1423% | 7,696 |
| Return on assets (ROA) | -2.1423% | 7,695 |
| Pretax return on assets | -2.1423% | 7,568 |
| Return on Equity (ROE) | -22.1105% | 7,798 |
| Retained earnings to average equity (ytd only) | -22.1105% | 7,701 |
| Net charge-offs to loans | 0.0473% | 4,818 |
| Credit loss provision to net charge-offs | 4,755.5556% | 154 |
| Earnings coverage of net charge-offs (x) | -14.1111% | 5,642 |
| Efficiency ratio | 115.1551% | 711 |
| Assets per employee ($millions) | 2.0968% | 7,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 2,496 |
| Loan loss allowance to noncurrent loans | 47.1810% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 6.4069% | 590 |
| Noncurrent loans to loans | 3.4011% | 1,883 |
| Net loans and leases to total assets | 70.1847% | 3,630 |
| Net loans and leases to deposits | 77.5657% | 4,997 |
| Net loans and leases to core deposits | 102.0022% | 4,346 |
| Total domestic deposits to total assets | 90.4842% | 599 |
| Equity capital to assets | 9.0695% | 5,270 |
| Core capital (leverage) ratio | 8.9726% | 4,755 |
| Tier 1 risk-based capital ratio | 12.2814% | 4,717 |
| Total risk-based capital ratio | 13.5351% | 4,630 |
| Memoranda: | ||
| Average total assets | $103,627,500 | 5,080 |
| Average earning assets | $89,517,000 | 5,240 |
| Average equity | $10,040,500 | 5,372 |
| Average total loans | $76,090,000 | 4,761 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7852% | 1,735 |
| Cost of funding earning assets | 3.3331% | 846 |
| Net interest margin | 3.4521% | 5,457 |
| Noninterest income to average assets | 0.0555% | 7,864 |
| Noninterest expense to average assets | 4.4472% | 912 |
| Loan and lease loss provision to assets | 3.6828% | 201 |
| Net operating income to assets | -3.1026% | 7,848 |
| Return on assets (ROA) | -3.1026% | 7,818 |
| Pretax return on assets | -4.9564% | 8,020 |
| Return on Equity (ROE) | -28.8984% | 7,941 |
| Retained earnings to average equity (ytd only) | -28.8984% | 7,890 |
| Net charge-offs to loans | 1.5967% | 713 |
| Credit loss provision to net charge-offs | 279.8025% | 1,631 |
| Earnings coverage of net charge-offs (x) | -0.9677% | 6,586 |
| Efficiency ratio | 140.1340% | 401 |
| Assets per employee ($millions) | 1.8137% | 8,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 4,778 |
| Loan loss allowance to noncurrent loans | 148.3478% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 6.1473% | 474 |
| Noncurrent loans to loans | 0.7886% | 5,066 |
| Net loans and leases to total assets | 74.9636% | 2,886 |
| Net loans and leases to deposits | 84.1151% | 4,407 |
| Net loans and leases to core deposits | 113.2115% | 3,425 |
| Total domestic deposits to total assets | 89.1203% | 998 |
| Equity capital to assets | 10.4053% | 3,604 |
| Core capital (leverage) ratio | 10.2803% | 3,187 |
| Tier 1 risk-based capital ratio | 12.7151% | 4,281 |
| Total risk-based capital ratio | 13.8153% | 4,300 |
| Memoranda: | ||
| Average total assets | $84,637,800 | 5,532 |
| Average earning assets | $76,445,400 | 5,570 |
| Average equity | $9,087,000 | 5,712 |
| Average total loans | $69,769,000 | 4,879 |