Home > Bank of Blue Valley > Performance and Condition Ratios
Bank of Blue Valley, 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 | 4.6812% | 2,293 |
| Cost of funding earning assets | 0.6412% | 3,353 |
| Net interest margin | 4.0401% | 1,712 |
| Noninterest income to average assets | 0.5041% | 2,529 |
| Noninterest expense to average assets | 2.2737% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5170% | 1,074 |
| Return on assets (ROA) | 1.5201% | 1,097 |
| Pretax return on assets | 2.0006% | 641 |
| Return on Equity (ROE) | 13.6210% | 1,055 |
| Retained earnings to average equity (ytd only) | 8.2851% | 1,556 |
| Net charge-offs to loans | -0.0377% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2432% | 4,600 |
| Assets per employee ($millions) | 6.7134% | 1,130 |
| Cash dividends to net income (ytd only)* | 39.1737% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,109 |
| Loan loss allowance to noncurrent loans | 1,338.4946% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 1,434 |
| Noncurrent loans to loans | 0.0824% | 4,389 |
| Net loans and leases to total assets | 78.3918% | 1,087 |
| Net loans and leases to deposits | 95.0063% | 1,061 |
| Net loans and leases to core deposits | 101.9638% | 1,465 |
| Total domestic deposits to total assets | 82.5122% | 3,575 |
| Equity capital to assets | 11.4462% | 2,447 |
| Core capital (leverage) ratio | 11.4347% | 2,184 |
| Tier 1 risk-based capital ratio | 12.4547% | 4,200 |
| Total risk-based capital ratio | 13.4084% | 4,255 |
| Memoranda: | ||
| Average total assets | $713,368,500 | 1,062 |
| Average earning assets | $665,036,500 | 1,054 |
| Average equity | $79,612,500 | 1,078 |
| Average total loans | $562,674,500 | 963 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 2,618 |
| Cost of funding earning assets | 0.4676% | 3,565 |
| Net interest margin | 3.9765% | 2,073 |
| Noninterest income to average assets | 0.4454% | 3,131 |
| Noninterest expense to average assets | 2.3173% | 4,081 |
| Loan and lease loss provision to assets | 0.0568% | 3,037 |
| Net operating income to assets | 1.5286% | 1,046 |
| Return on assets (ROA) | 1.5801% | 914 |
| Pretax return on assets | 1.8175% | 876 |
| Return on Equity (ROE) | 14.9194% | 847 |
| Retained earnings to average equity (ytd only) | 7.0585% | 1,647 |
| Net charge-offs to loans | -0.0438% | 4,935 |
| Credit loss provision to net charge-offs | -169.4915% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0770% | 4,400 |
| Assets per employee ($millions) | 6.5607% | 1,189 |
| Cash dividends to net income (ytd only)* | 52.6892% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,104 |
| Loan loss allowance to noncurrent loans | 1,864.3505% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 1,435 |
| Noncurrent loans to loans | 0.0590% | 4,487 |
| Net loans and leases to total assets | 77.6240% | 1,335 |
| Net loans and leases to deposits | 98.6667% | 837 |
| Net loans and leases to core deposits | 102.8597% | 1,516 |
| Total domestic deposits to total assets | 78.6729% | 4,376 |
| Equity capital to assets | 10.8753% | 2,814 |
| Core capital (leverage) ratio | 10.8851% | 2,643 |
| Tier 1 risk-based capital ratio | 12.0406% | 4,404 |
| Total risk-based capital ratio | 12.9838% | 4,480 |
| Memoranda: | ||
| Average total assets | $704,832,600 | 1,053 |
| Average earning assets | $653,522,400 | 1,050 |
| Average equity | $74,647,800 | 1,097 |
| Average total loans | $538,504,000 | 968 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,852 |
| Cost of funding earning assets | 0.4287% | 3,673 |
| Net interest margin | 3.9007% | 2,301 |
| Noninterest income to average assets | 0.4367% | 3,242 |
| Noninterest expense to average assets | 2.3134% | 4,064 |
| Loan and lease loss provision to assets | 0.0759% | 2,441 |
| Net operating income to assets | 1.2934% | 1,887 |
| Return on assets (ROA) | 1.3550% | 1,652 |
| Pretax return on assets | 1.7429% | 1,165 |
| Return on Equity (ROE) | 12.8823% | 1,479 |
| Retained earnings to average equity (ytd only) | 3.7941% | 3,876 |
| Net charge-offs to loans | -0.0468% | 4,910 |
| Credit loss provision to net charge-offs | -213.9037% | 4,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0619% | 4,247 |
| Assets per employee ($millions) | 6.7765% | 1,030 |
| Cash dividends to net income (ytd only)* | 70.5479% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,921 |
| Loan loss allowance to noncurrent loans | 1,023.7458% | 591 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 1,405 |
| Noncurrent loans to loans | 0.1121% | 4,389 |
| Net loans and leases to total assets | 72.7211% | 2,211 |
| Net loans and leases to deposits | 86.7273% | 2,292 |
| Net loans and leases to core deposits | 89.1300% | 2,737 |
| Total domestic deposits to total assets | 83.8504% | 2,996 |
| Equity capital to assets | 10.1356% | 3,506 |
| Core capital (leverage) ratio | 10.8726% | 2,701 |
| Tier 1 risk-based capital ratio | 11.9923% | 4,505 |
| Total risk-based capital ratio | 12.9520% | 4,556 |
| Memoranda: | ||
| Average total assets | $702,262,000 | 1,062 |
| Average earning assets | $651,282,000 | 1,049 |
| Average equity | $73,867,000 | 1,106 |
| Average total loans | $532,812,000 | 977 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,609 |
| Cost of funding earning assets | 0.4058% | 3,684 |
| Net interest margin | 3.9390% | 2,073 |
| Noninterest income to average assets | 0.3700% | 3,686 |
| Noninterest expense to average assets | 2.3790% | 3,953 |
| Loan and lease loss provision to assets | 0.1152% | 1,724 |
| Net operating income to assets | 1.1903% | 2,239 |
| Return on assets (ROA) | 1.2847% | 1,842 |
| Pretax return on assets | 1.6451% | 1,356 |
| Return on Equity (ROE) | 12.0607% | 1,702 |
| Retained earnings to average equity (ytd only) | 8.6495% | 1,336 |
| Net charge-offs to loans | -0.0443% | 4,879 |
| Credit loss provision to net charge-offs | -338.9831% | 4,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1821% | 4,055 |
| Assets per employee ($millions) | 6.5312% | 1,165 |
| Cash dividends to net income (ytd only)* | 28.2833% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 2,960 |
| Loan loss allowance to noncurrent loans | 643.9362% | 897 |
| Noncurrent assets plus other real estate owned to assets | 1.0783% | 1,374 |
| Noncurrent loans to loans | 0.1792% | 4,102 |
| Net loans and leases to total assets | 74.9032% | 1,803 |
| Net loans and leases to deposits | 89.6748% | 1,883 |
| Net loans and leases to core deposits | 93.0264% | 2,307 |
| Total domestic deposits to total assets | 83.5275% | 3,244 |
| Equity capital to assets | 10.8449% | 2,787 |
| Core capital (leverage) ratio | 11.1018% | 2,438 |
| Tier 1 risk-based capital ratio | 12.2239% | 4,359 |
| Total risk-based capital ratio | 13.1792% | 4,422 |
| Memoranda: | ||
| Average total assets | $694,655,670 | 1,068 |
| Average earning assets | $643,665,000 | 1,062 |
| Average equity | $73,992,330 | 1,103 |
| Average total loans | $532,613,000 | 981 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 2,881 |
| Cost of funding earning assets | 0.3554% | 3,946 |
| Net interest margin | 3.8447% | 2,244 |
| Noninterest income to average assets | 0.5375% | 2,594 |
| Noninterest expense to average assets | 2.4540% | 3,799 |
| Loan and lease loss provision to assets | 0.1725% | 1,017 |
| Net operating income to assets | 1.1636% | 2,164 |
| Return on assets (ROA) | 1.1595% | 2,190 |
| Pretax return on assets | 1.4820% | 1,721 |
| Return on Equity (ROE) | 10.9846% | 1,976 |
| Retained earnings to average equity (ytd only) | 7.6734% | 1,965 |
| Net charge-offs to loans | -0.0164% | 4,456 |
| Credit loss provision to net charge-offs | -1,363.6364% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6562% | 4,110 |
| Assets per employee ($millions) | 6.3790% | 1,268 |
| Cash dividends to net income (ytd only)* | 30.1438% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,464 |
| Loan loss allowance to noncurrent loans | 550.9878% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 1.1571% | 1,323 |
| Noncurrent loans to loans | 0.1974% | 4,081 |
| Net loans and leases to total assets | 75.2147% | 1,668 |
| Net loans and leases to deposits | 88.5917% | 1,857 |
| Net loans and leases to core deposits | 114.4864% | 783 |
| Total domestic deposits to total assets | 84.9004% | 2,973 |
| Equity capital to assets | 10.3680% | 3,197 |
| Core capital (leverage) ratio | 10.8443% | 2,584 |
| Tier 1 risk-based capital ratio | 11.7158% | 4,732 |
| Total risk-based capital ratio | 12.6311% | 4,831 |
| Memoranda: | ||
| Average total assets | $695,830,000 | 1,072 |
| Average earning assets | $647,225,500 | 1,067 |
| Average equity | $73,448,500 | 1,119 |
| Average total loans | $536,613,000 | 981 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,753 |
| Cost of funding earning assets | 0.3310% | 3,865 |
| Net interest margin | 3.8515% | 2,244 |
| Noninterest income to average assets | 0.3456% | 3,993 |
| Noninterest expense to average assets | 2.6338% | 3,338 |
| Loan and lease loss provision to assets | -0.1319% | 5,520 |
| Net operating income to assets | 0.6778% | 3,689 |
| Return on assets (ROA) | 0.6778% | 3,743 |
| Pretax return on assets | 1.3552% | 2,147 |
| Return on Equity (ROE) | 6.3677% | 3,593 |
| Retained earnings to average equity (ytd only) | 4.0607% | 2,743 |
| Net charge-offs to loans | -0.0523% | 5,203 |
| Credit loss provision to net charge-offs | 332.1033% | 870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2835% | 2,840 |
| Assets per employee ($millions) | 6.3296% | 1,300 |
| Cash dividends to net income (ytd only)* | 36.2300% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,713 |
| Loan loss allowance to noncurrent loans | 470.2634% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 1,038 |
| Noncurrent loans to loans | 0.2201% | 4,026 |
| Net loans and leases to total assets | 77.4237% | 1,358 |
| Net loans and leases to deposits | 92.7372% | 1,416 |
| Net loans and leases to core deposits | 114.5725% | 773 |
| Total domestic deposits to total assets | 83.4873% | 3,388 |
| Equity capital to assets | 10.7498% | 2,893 |
| Core capital (leverage) ratio | 10.5571% | 2,779 |
| Tier 1 risk-based capital ratio | 11.4901% | 4,854 |
| Total risk-based capital ratio | 12.3585% | 4,968 |
| Memoranda: | ||
| Average total assets | $682,539,000 | 1,066 |
| Average earning assets | $622,309,200 | 1,085 |
| Average equity | $72,648,000 | 1,092 |
| Average total loans | $517,802,600 | 988 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 2,787 |
| Cost of funding earning assets | 0.3336% | 3,825 |
| Net interest margin | 3.8186% | 2,328 |
| Noninterest income to average assets | 0.3957% | 3,716 |
| Noninterest expense to average assets | 2.6524% | 3,240 |
| Loan and lease loss provision to assets | -0.0977% | 5,580 |
| Net operating income to assets | 0.8372% | 3,341 |
| Return on assets (ROA) | 0.8372% | 3,388 |
| Pretax return on assets | 1.3040% | 2,471 |
| Return on Equity (ROE) | 7.8851% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.8003% | 3,020 |
| Net charge-offs to loans | -0.0584% | 5,214 |
| Credit loss provision to net charge-offs | 222.2222% | 1,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7380% | 2,749 |
| Assets per employee ($millions) | 6.1338% | 1,411 |
| Cash dividends to net income (ytd only)* | 39.1223% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,438 |
| Loan loss allowance to noncurrent loans | 565.7061% | 931 |
| Noncurrent assets plus other real estate owned to assets | 1.5521% | 968 |
| Noncurrent loans to loans | 0.1960% | 4,297 |
| Net loans and leases to total assets | 75.7583% | 1,625 |
| Net loans and leases to deposits | 90.4788% | 1,744 |
| Net loans and leases to core deposits | 114.3979% | 817 |
| Total domestic deposits to total assets | 83.7305% | 3,217 |
| Equity capital to assets | 10.7571% | 3,110 |
| Core capital (leverage) ratio | 10.5846% | 2,898 |
| Tier 1 risk-based capital ratio | 11.0467% | 5,219 |
| Total risk-based capital ratio | 11.9526% | 5,299 |
| Memoranda: | ||
| Average total assets | $682,275,250 | 1,076 |
| Average earning assets | $618,750,500 | 1,094 |
| Average equity | $72,438,750 | 1,106 |
| Average total loans | $513,553,500 | 999 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,780 |
| Cost of funding earning assets | 0.3319% | 3,771 |
| Net interest margin | 3.7820% | 2,356 |
| Noninterest income to average assets | 0.5514% | 2,709 |
| Noninterest expense to average assets | 2.7009% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8154% | 3,329 |
| Return on assets (ROA) | 0.8154% | 3,379 |
| Pretax return on assets | 1.2693% | 2,498 |
| Return on Equity (ROE) | 7.7149% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.4778% | 3,046 |
| Net charge-offs to loans | -0.0764% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0300% | 3,008 |
| Assets per employee ($millions) | 6.1458% | 1,360 |
| Cash dividends to net income (ytd only)* | 41.9588% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,959 |
| Loan loss allowance to noncurrent loans | 1,482.0513% | 435 |
| Noncurrent assets plus other real estate owned to assets | 1.5922% | 934 |
| Noncurrent loans to loans | 0.0817% | 4,807 |
| Net loans and leases to total assets | 75.4069% | 1,629 |
| Net loans and leases to deposits | 92.7187% | 1,401 |
| Net loans and leases to core deposits | 111.9136% | 908 |
| Total domestic deposits to total assets | 81.3287% | 4,097 |
| Equity capital to assets | 10.6790% | 3,146 |
| Core capital (leverage) ratio | 10.5652% | 2,849 |
| Tier 1 risk-based capital ratio | 11.1817% | 5,155 |
| Total risk-based capital ratio | 12.1858% | 5,188 |
| Memoranda: | ||
| Average total assets | $678,658,670 | 1,080 |
| Average earning assets | $613,491,670 | 1,108 |
| Average equity | $71,731,670 | 1,111 |
| Average total loans | $507,741,670 | 1,007 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 2,877 |
| Cost of funding earning assets | 0.3324% | 3,728 |
| Net interest margin | 3.7127% | 2,446 |
| Noninterest income to average assets | 0.5610% | 2,603 |
| Noninterest expense to average assets | 2.7408% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7462% | 3,493 |
| Return on assets (ROA) | 0.7462% | 3,546 |
| Pretax return on assets | 1.1683% | 2,714 |
| Return on Equity (ROE) | 7.0973% | 3,365 |
| Retained earnings to average equity (ytd only) | 3.8507% | 3,527 |
| Net charge-offs to loans | -0.1243% | 5,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1139% | 2,868 |
| Assets per employee ($millions) | 6.0533% | 1,468 |
| Cash dividends to net income (ytd only)* | 45.7438% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,803 |
| Loan loss allowance to noncurrent loans | 1,217.5337% | 516 |
| Noncurrent assets plus other real estate owned to assets | 1.6588% | 917 |
| Noncurrent loans to loans | 0.1029% | 4,779 |
| Net loans and leases to total assets | 73.4277% | 1,832 |
| Net loans and leases to deposits | 89.2732% | 1,638 |
| Net loans and leases to core deposits | 106.2259% | 1,083 |
| Total domestic deposits to total assets | 82.2506% | 4,096 |
| Equity capital to assets | 10.5586% | 3,125 |
| Core capital (leverage) ratio | 10.4550% | 2,954 |
| Tier 1 risk-based capital ratio | 11.4667% | 5,052 |
| Total risk-based capital ratio | 12.5037% | 5,072 |
| Memoranda: | ||
| Average total assets | $673,820,500 | 1,090 |
| Average earning assets | $607,644,000 | 1,117 |
| Average equity | $70,844,000 | 1,123 |
| Average total loans | $498,907,500 | 1,019 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 3,276 |
| Cost of funding earning assets | 0.3979% | 3,018 |
| Net interest margin | 3.5801% | 3,136 |
| Noninterest income to average assets | 0.5660% | 2,834 |
| Noninterest expense to average assets | 3.1289% | 1,956 |
| Loan and lease loss provision to assets | 0.2937% | 649 |
| Net operating income to assets | 0.2223% | 5,376 |
| Return on assets (ROA) | 0.4115% | 4,984 |
| Pretax return on assets | 0.6254% | 4,720 |
| Return on Equity (ROE) | 3.7136% | 4,928 |
| Retained earnings to average equity (ytd only) | 0.6265% | 5,078 |
| Net charge-offs to loans | 0.1072% | 2,201 |
| Credit loss provision to net charge-offs | 390.4665% | 811 |
| Earnings coverage of net charge-offs (x) | 8.4077% | 2,872 |
| Efficiency ratio | 83.1873% | 1,085 |
| Assets per employee ($millions) | 5.7731% | 1,642 |
| Cash dividends to net income (ytd only)* | 83.1294% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,831 |
| Loan loss allowance to noncurrent loans | 1,018.8430% | 595 |
| Noncurrent assets plus other real estate owned to assets | 1.7102% | 900 |
| Noncurrent loans to loans | 0.1225% | 4,745 |
| Net loans and leases to total assets | 72.7990% | 2,040 |
| Net loans and leases to deposits | 94.6512% | 1,124 |
| Net loans and leases to core deposits | 106.8800% | 1,074 |
| Total domestic deposits to total assets | 76.9130% | 5,126 |
| Equity capital to assets | 10.4684% | 3,189 |
| Core capital (leverage) ratio | 10.1453% | 3,310 |
| Tier 1 risk-based capital ratio | 11.1851% | 5,235 |
| Total risk-based capital ratio | 12.2131% | 5,255 |
| Memoranda: | ||
| Average total assets | $655,469,400 | 1,087 |
| Average earning assets | $585,004,000 | 1,111 |
| Average equity | $72,624,600 | 1,091 |
| Average total loans | $459,777,600 | 1,058 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 3,415 |
| Cost of funding earning assets | 0.4108% | 2,921 |
| Net interest margin | 3.5404% | 3,318 |
| Noninterest income to average assets | 0.5575% | 2,882 |
| Noninterest expense to average assets | 3.0410% | 2,198 |
| Loan and lease loss provision to assets | 0.1994% | 1,060 |
| Net operating income to assets | 0.3082% | 5,269 |
| Return on assets (ROA) | 0.4332% | 5,012 |
| Pretax return on assets | 0.6583% | 4,718 |
| Return on Equity (ROE) | 3.8549% | 4,956 |
| Retained earnings to average equity (ytd only) | 0.8154% | 5,140 |
| Net charge-offs to loans | 0.3010% | 764 |
| Credit loss provision to net charge-offs | 95.6820% | 2,444 |
| Earnings coverage of net charge-offs (x) | 3.2071% | 3,455 |
| Efficiency ratio | 81.9816% | 1,191 |
| Assets per employee ($millions) | 5.6470% | 1,717 |
| Cash dividends to net income (ytd only)* | 78.8479% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 4,293 |
| Loan loss allowance to noncurrent loans | 454.6072% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 2.2835% | 629 |
| Noncurrent loans to loans | 0.2245% | 4,468 |
| Net loans and leases to total assets | 65.9851% | 3,124 |
| Net loans and leases to deposits | 85.1250% | 2,351 |
| Net loans and leases to core deposits | 96.8705% | 1,914 |
| Total domestic deposits to total assets | 77.5155% | 4,999 |
| Equity capital to assets | 10.8135% | 3,229 |
| Core capital (leverage) ratio | 10.5408% | 2,948 |
| Tier 1 risk-based capital ratio | 11.7670% | 4,941 |
| Total risk-based capital ratio | 12.5893% | 5,085 |
| Memoranda: | ||
| Average total assets | $651,918,000 | 1,091 |
| Average earning assets | $580,367,750 | 1,123 |
| Average equity | $73,254,750 | 1,088 |
| Average total loans | $451,301,750 | 1,081 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 3,210 |
| Cost of funding earning assets | 0.4243% | 2,785 |
| Net interest margin | 3.5847% | 3,161 |
| Noninterest income to average assets | 0.5663% | 2,816 |
| Noninterest expense to average assets | 2.9698% | 2,447 |
| Loan and lease loss provision to assets | 0.3049% | 580 |
| Net operating income to assets | 0.3078% | 5,303 |
| Return on assets (ROA) | 0.4146% | 5,075 |
| Pretax return on assets | 0.6498% | 4,761 |
| Return on Equity (ROE) | 3.6408% | 5,042 |
| Retained earnings to average equity (ytd only) | 0.5986% | 5,127 |
| Net charge-offs to loans | -0.0762% | 5,532 |
| Credit loss provision to net charge-offs | -570.1754% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0363% | 1,630 |
| Assets per employee ($millions) | 4.8531% | 2,476 |
| Cash dividends to net income (ytd only)* | 83.5596% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,710 |
| Loan loss allowance to noncurrent loans | 146.0487% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 2.9378% | 421 |
| Noncurrent loans to loans | 0.8998% | 2,482 |
| Net loans and leases to total assets | 68.8942% | 2,652 |
| Net loans and leases to deposits | 88.6568% | 1,903 |
| Net loans and leases to core deposits | 97.7346% | 1,827 |
| Total domestic deposits to total assets | 77.7089% | 5,052 |
| Equity capital to assets | 11.5116% | 2,538 |
| Core capital (leverage) ratio | 10.5119% | 2,962 |
| Tier 1 risk-based capital ratio | 11.7904% | 4,979 |
| Total risk-based capital ratio | 12.8359% | 4,993 |
| Memoranda: | ||
| Average total assets | $639,579,670 | 1,110 |
| Average earning assets | $569,358,670 | 1,144 |
| Average equity | $72,840,330 | 1,093 |
| Average total loans | $448,642,330 | 1,086 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 3,177 |
| Cost of funding earning assets | 0.4329% | 2,742 |
| Net interest margin | 3.5811% | 3,161 |
| Noninterest income to average assets | 0.5383% | 2,879 |
| Noninterest expense to average assets | 2.9412% | 2,568 |
| Loan and lease loss provision to assets | 0.2973% | 531 |
| Net operating income to assets | 0.3198% | 5,242 |
| Return on assets (ROA) | 0.3198% | 5,326 |
| Pretax return on assets | 0.4845% | 5,127 |
| Return on Equity (ROE) | 2.8237% | 5,290 |
| Retained earnings to average equity (ytd only) | -0.2100% | 5,142 |
| Net charge-offs to loans | -0.0392% | 5,199 |
| Credit loss provision to net charge-offs | -1,079.5455% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0013% | 1,745 |
| Assets per employee ($millions) | 4.7382% | 2,689 |
| Cash dividends to net income (ytd only)* | 107.4364% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 3,650 |
| Loan loss allowance to noncurrent loans | 129.9257% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 2.9580% | 431 |
| Noncurrent loans to loans | 0.9023% | 2,596 |
| Net loans and leases to total assets | 68.6697% | 2,548 |
| Net loans and leases to deposits | 88.1254% | 1,812 |
| Net loans and leases to core deposits | 97.7473% | 1,655 |
| Total domestic deposits to total assets | 77.9227% | 5,160 |
| Equity capital to assets | 11.2813% | 2,650 |
| Core capital (leverage) ratio | 10.5635% | 2,895 |
| Tier 1 risk-based capital ratio | 11.8414% | 5,019 |
| Total risk-based capital ratio | 12.7828% | 5,121 |
| Memoranda: | ||
| Average total assets | $639,063,000 | 1,108 |
| Average earning assets | $568,321,000 | 1,143 |
| Average equity | $72,388,000 | 1,094 |
| Average total loans | $449,352,500 | 1,080 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 2,823 |
| Cost of funding earning assets | 0.5131% | 2,043 |
| Net interest margin | 3.6152% | 3,078 |
| Noninterest income to average assets | 0.6190% | 2,625 |
| Noninterest expense to average assets | 3.1405% | 2,116 |
| Loan and lease loss provision to assets | 0.2309% | 860 |
| Net operating income to assets | 0.2720% | 5,436 |
| Return on assets (ROA) | 0.2635% | 5,531 |
| Pretax return on assets | 0.3888% | 5,345 |
| Return on Equity (ROE) | 2.2006% | 5,519 |
| Retained earnings to average equity (ytd only) | -7.0327% | 5,979 |
| Net charge-offs to loans | 0.7100% | 336 |
| Credit loss provision to net charge-offs | 46.6989% | 3,455 |
| Earnings coverage of net charge-offs (x) | 1.2786% | 4,116 |
| Efficiency ratio | 83.2447% | 1,251 |
| Assets per employee ($millions) | 4.2532% | 3,484 |
| Cash dividends to net income (ytd only)* | 419.5770% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 4,323 |
| Loan loss allowance to noncurrent loans | 119.5603% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 3.0639% | 428 |
| Noncurrent loans to loans | 0.8775% | 2,600 |
| Net loans and leases to total assets | 70.4117% | 2,305 |
| Net loans and leases to deposits | 91.7423% | 1,428 |
| Net loans and leases to core deposits | 101.4252% | 1,409 |
| Total domestic deposits to total assets | 76.7494% | 5,360 |
| Equity capital to assets | 11.3739% | 2,468 |
| Core capital (leverage) ratio | 10.5154% | 2,913 |
| Tier 1 risk-based capital ratio | 11.7885% | 5,081 |
| Total risk-based capital ratio | 12.6309% | 5,219 |
| Memoranda: | ||
| Average total assets | $628,060,800 | 1,087 |
| Average earning assets | $547,859,200 | 1,150 |
| Average equity | $75,206,000 | 1,016 |
| Average total loans | $437,295,600 | 1,050 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 2,832 |
| Cost of funding earning assets | 0.5287% | 1,972 |
| Net interest margin | 3.5959% | 3,181 |
| Noninterest income to average assets | 0.6747% | 2,354 |
| Noninterest expense to average assets | 3.1556% | 2,073 |
| Loan and lease loss provision to assets | 0.2660% | 618 |
| Net operating income to assets | 0.2560% | 5,563 |
| Return on assets (ROA) | 0.2553% | 5,643 |
| Pretax return on assets | 0.3764% | 5,508 |
| Return on Equity (ROE) | 2.1056% | 5,645 |
| Retained earnings to average equity (ytd only) | -9.5645% | 6,121 |
| Net charge-offs to loans | -0.2799% | 6,069 |
| Credit loss provision to net charge-offs | -137.2119% | 5,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0636% | 1,262 |
| Assets per employee ($millions) | 4.2341% | 3,452 |
| Cash dividends to net income (ytd only)* | 554.2501% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 1,017 |
| Loan loss allowance to noncurrent loans | 92.2703% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 4.7414% | 218 |
| Noncurrent loans to loans | 2.0875% | 1,090 |
| Net loans and leases to total assets | 68.0690% | 2,665 |
| Net loans and leases to deposits | 88.8006% | 1,795 |
| Net loans and leases to core deposits | 96.5941% | 1,833 |
| Total domestic deposits to total assets | 76.6538% | 5,399 |
| Equity capital to assets | 11.2485% | 2,750 |
| Core capital (leverage) ratio | 10.7745% | 2,742 |
| Tier 1 risk-based capital ratio | 11.7222% | 5,254 |
| Total risk-based capital ratio | 12.9834% | 5,164 |
| Memoranda: | ||
| Average total assets | $626,643,500 | 1,094 |
| Average earning assets | $544,465,250 | 1,160 |
| Average equity | $75,987,500 | 1,008 |
| Average total loans | $433,881,750 | 1,056 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 2,915 |
| Cost of funding earning assets | 0.5423% | 1,888 |
| Net interest margin | 3.5518% | 3,280 |
| Noninterest income to average assets | 0.8666% | 1,549 |
| Noninterest expense to average assets | 3.1195% | 2,188 |
| Loan and lease loss provision to assets | 0.4017% | 292 |
| Net operating income to assets | 0.2871% | 5,478 |
| Return on assets (ROA) | 0.2860% | 5,566 |
| Pretax return on assets | 0.4251% | 5,412 |
| Return on Equity (ROE) | 2.3014% | 5,620 |
| Retained earnings to average equity (ytd only) | 1.2852% | 5,039 |
| Net charge-offs to loans | -0.1217% | 5,854 |
| Credit loss provision to net charge-offs | -477.0992% | 5,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0168% | 1,910 |
| Assets per employee ($millions) | 4.1317% | 3,612 |
| Cash dividends to net income (ytd only)* | 44.1573% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 1,405 |
| Loan loss allowance to noncurrent loans | 76.4569% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 4.3959% | 274 |
| Noncurrent loans to loans | 2.3310% | 1,006 |
| Net loans and leases to total assets | 70.7014% | 2,209 |
| Net loans and leases to deposits | 96.1753% | 949 |
| Net loans and leases to core deposits | 104.7899% | 1,144 |
| Total domestic deposits to total assets | 73.5130% | 5,833 |
| Equity capital to assets | 12.5321% | 1,643 |
| Core capital (leverage) ratio | 11.9829% | 1,673 |
| Tier 1 risk-based capital ratio | 12.7791% | 4,637 |
| Total risk-based capital ratio | 14.0388% | 4,543 |
| Memoranda: | ||
| Average total assets | $622,409,670 | 1,110 |
| Average earning assets | $539,955,670 | 1,176 |
| Average equity | $77,344,330 | 991 |
| Average total loans | $430,594,670 | 1,067 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 3,237 |
| Cost of funding earning assets | 0.5522% | 1,822 |
| Net interest margin | 3.4451% | 3,642 |
| Noninterest income to average assets | 0.8763% | 1,472 |
| Noninterest expense to average assets | 3.0840% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5120% | 4,619 |
| Return on assets (ROA) | 0.5120% | 4,742 |
| Pretax return on assets | 0.7830% | 4,302 |
| Return on Equity (ROE) | 4.1373% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.5175% | 3,890 |
| Net charge-offs to loans | -0.0443% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7521% | 1,925 |
| Assets per employee ($millions) | 4.1414% | 3,673 |
| Cash dividends to net income (ytd only)* | 14.9813% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 2,395 |
| Loan loss allowance to noncurrent loans | 121.1716% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 3.5774% | 456 |
| Noncurrent loans to loans | 1.2484% | 2,293 |
| Net loans and leases to total assets | 67.8723% | 2,461 |
| Net loans and leases to deposits | 90.3707% | 1,352 |
| Net loans and leases to core deposits | 98.1289% | 1,461 |
| Total domestic deposits to total assets | 75.1043% | 5,819 |
| Equity capital to assets | 12.6458% | 1,601 |
| Core capital (leverage) ratio | 11.9317% | 1,681 |
| Tier 1 risk-based capital ratio | 13.5114% | 4,317 |
| Total risk-based capital ratio | 14.7158% | 4,261 |
| Memoranda: | ||
| Average total assets | $625,805,000 | 1,108 |
| Average earning assets | $543,260,000 | 1,169 |
| Average equity | $77,441,500 | 988 |
| Average total loans | $424,317,500 | 1,080 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,967 |
| Cost of funding earning assets | 0.6408% | 1,463 |
| Net interest margin | 3.5564% | 3,573 |
| Noninterest income to average assets | 0.5981% | 2,870 |
| Noninterest expense to average assets | 3.2199% | 2,165 |
| Loan and lease loss provision to assets | 0.0641% | 3,229 |
| Net operating income to assets | 1.7265% | 548 |
| Return on assets (ROA) | 1.7322% | 552 |
| Pretax return on assets | 0.3985% | 5,492 |
| Return on Equity (ROE) | 15.6723% | 666 |
| Retained earnings to average equity (ytd only) | 15.0753% | 147 |
| Net charge-offs to loans | 0.7154% | 516 |
| Credit loss provision to net charge-offs | 13.3023% | 4,063 |
| Earnings coverage of net charge-offs (x) | 0.9485% | 4,529 |
| Efficiency ratio | 87.4189% | 1,044 |
| Assets per employee ($millions) | 4.2874% | 3,382 |
| Cash dividends to net income (ytd only)* | 3.8095% | 4,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 2,436 |
| Loan loss allowance to noncurrent loans | 128.4651% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 3.4244% | 550 |
| Noncurrent loans to loans | 1.1741% | 2,487 |
| Net loans and leases to total assets | 65.7163% | 2,941 |
| Net loans and leases to deposits | 88.1683% | 1,719 |
| Net loans and leases to core deposits | 96.9501% | 1,641 |
| Total domestic deposits to total assets | 74.5351% | 5,901 |
| Equity capital to assets | 12.1111% | 1,938 |
| Core capital (leverage) ratio | 11.1358% | 2,276 |
| Tier 1 risk-based capital ratio | 13.7343% | 4,277 |
| Total risk-based capital ratio | 14.9847% | 4,214 |
| Memoranda: | ||
| Average total assets | $624,336,000 | 1,067 |
| Average earning assets | $540,458,400 | 1,120 |
| Average equity | $69,007,000 | 1,066 |
| Average total loans | $420,343,000 | 1,045 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,894 |
| Cost of funding earning assets | 0.6581% | 1,403 |
| Net interest margin | 3.5703% | 3,550 |
| Noninterest income to average assets | 0.5447% | 3,236 |
| Noninterest expense to average assets | 3.2456% | 2,039 |
| Loan and lease loss provision to assets | 0.0858% | 2,642 |
| Net operating income to assets | 2.1655% | 257 |
| Return on assets (ROA) | 2.1690% | 263 |
| Pretax return on assets | 0.3051% | 5,764 |
| Return on Equity (ROE) | 20.1149% | 279 |
| Retained earnings to average equity (ytd only) | 19.5362% | 74 |
| Net charge-offs to loans | 0.9724% | 320 |
| Credit loss provision to net charge-offs | 13.0719% | 3,672 |
| Earnings coverage of net charge-offs (x) | 0.5905% | 4,352 |
| Efficiency ratio | 89.1224% | 918 |
| Assets per employee ($millions) | 4.0973% | 3,675 |
| Cash dividends to net income (ytd only)* | 2.8769% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 2,749 |
| Loan loss allowance to noncurrent loans | 281.0475% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 3.2462% | 692 |
| Noncurrent loans to loans | 0.5313% | 4,343 |
| Net loans and leases to total assets | 66.2070% | 2,823 |
| Net loans and leases to deposits | 88.5075% | 1,609 |
| Net loans and leases to core deposits | 97.2269% | 1,574 |
| Total domestic deposits to total assets | 74.8038% | 5,940 |
| Equity capital to assets | 11.9567% | 2,097 |
| Core capital (leverage) ratio | 11.3493% | 2,174 |
| Tier 1 risk-based capital ratio | 13.1997% | 4,727 |
| Total risk-based capital ratio | 14.4262% | 4,680 |
| Memoranda: | ||
| Average total assets | $621,786,250 | 1,083 |
| Average earning assets | $537,871,000 | 1,132 |
| Average equity | $67,046,500 | 1,100 |
| Average total loans | $419,584,000 | 1,043 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 2,653 |
| Cost of funding earning assets | 0.6718% | 1,362 |
| Net interest margin | 3.6097% | 3,323 |
| Noninterest income to average assets | 0.4768% | 3,657 |
| Noninterest expense to average assets | 3.2308% | 2,100 |
| Loan and lease loss provision to assets | 0.1293% | 1,909 |
| Net operating income to assets | 0.2376% | 5,740 |
| Return on assets (ROA) | 0.2428% | 5,801 |
| Pretax return on assets | 0.2428% | 5,886 |
| Return on Equity (ROE) | 2.3378% | 5,752 |
| Retained earnings to average equity (ytd only) | 1.8055% | 4,988 |
| Net charge-offs to loans | 1.3954% | 207 |
| Credit loss provision to net charge-offs | 13.7127% | 3,270 |
| Earnings coverage of net charge-offs (x) | 0.3891% | 4,053 |
| Efficiency ratio | 89.4789% | 955 |
| Assets per employee ($millions) | 4.0253% | 3,786 |
| Cash dividends to net income (ytd only)* | 22.7696% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 2,680 |
| Loan loss allowance to noncurrent loans | 271.2610% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 3.4511% | 683 |
| Noncurrent loans to loans | 0.5704% | 4,305 |
| Net loans and leases to total assets | 66.4635% | 2,677 |
| Net loans and leases to deposits | 89.7692% | 1,393 |
| Net loans and leases to core deposits | 97.3574% | 1,491 |
| Total domestic deposits to total assets | 74.0382% | 6,110 |
| Equity capital to assets | 10.6025% | 3,307 |
| Core capital (leverage) ratio | 10.9688% | 2,457 |
| Tier 1 risk-based capital ratio | 13.4300% | 4,629 |
| Total risk-based capital ratio | 14.6806% | 4,573 |
| Memoranda: | ||
| Average total assets | $618,722,670 | 1,088 |
| Average earning assets | $534,943,330 | 1,133 |
| Average equity | $64,247,330 | 1,143 |
| Average total loans | $418,084,330 | 1,044 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2746% | 2,615 |
| Cost of funding earning assets | 0.6773% | 1,389 |
| Net interest margin | 3.5973% | 3,256 |
| Noninterest income to average assets | 0.5856% | 2,819 |
| Noninterest expense to average assets | 3.2989% | 1,949 |
| Loan and lease loss provision to assets | 0.1941% | 1,211 |
| Net operating income to assets | 0.1961% | 5,814 |
| Return on assets (ROA) | 0.2064% | 5,836 |
| Pretax return on assets | 0.2064% | 5,910 |
| Return on Equity (ROE) | 2.0092% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.6754% | 4,947 |
| Net charge-offs to loans | 2.9549% | 66 |
| Credit loss provision to net charge-offs | 9.7182% | 2,611 |
| Earnings coverage of net charge-offs (x) | 0.1953% | 3,397 |
| Efficiency ratio | 88.7914% | 1,151 |
| Assets per employee ($millions) | 4.0507% | 3,822 |
| Cash dividends to net income (ytd only)* | 16.6144% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 3,239 |
| Loan loss allowance to noncurrent loans | 285.9908% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 3.9553% | 609 |
| Noncurrent loans to loans | 0.5172% | 4,619 |
| Net loans and leases to total assets | 65.8323% | 2,593 |
| Net loans and leases to deposits | 87.1056% | 1,456 |
| Net loans and leases to core deposits | 95.2853% | 1,443 |
| Total domestic deposits to total assets | 75.5775% | 6,112 |
| Equity capital to assets | 10.2157% | 3,576 |
| Core capital (leverage) ratio | 11.1088% | 2,293 |
| Tier 1 risk-based capital ratio | 13.1958% | 4,897 |
| Total risk-based capital ratio | 14.4131% | 4,846 |
| Memoranda: | ||
| Average total assets | $618,138,000 | 1,103 |
| Average earning assets | $533,291,000 | 1,151 |
| Average equity | $63,509,000 | 1,156 |
| Average total loans | $417,888,000 | 1,050 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 3,420 |
| Cost of funding earning assets | 0.8491% | 952 |
| Net interest margin | 3.3300% | 4,549 |
| Noninterest income to average assets | 0.7333% | 2,364 |
| Noninterest expense to average assets | 3.3379% | 2,029 |
| Loan and lease loss provision to assets | 0.1495% | 2,409 |
| Net operating income to assets | 0.1586% | 5,926 |
| Return on assets (ROA) | 0.1786% | 5,941 |
| Pretax return on assets | 0.1314% | 6,044 |
| Return on Equity (ROE) | 1.7533% | 5,918 |
| Retained earnings to average equity (ytd only) | 1.7533% | 4,984 |
| Net charge-offs to loans | 0.2438% | 2,515 |
| Credit loss provision to net charge-offs | 93.5961% | 2,660 |
| Earnings coverage of net charge-offs (x) | 1.6335% | 4,513 |
| Efficiency ratio | 92.1264% | 869 |
| Assets per employee ($millions) | 3.7556% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 1,233 |
| Loan loss allowance to noncurrent loans | 126.5410% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 5.4059% | 406 |
| Noncurrent loans to loans | 1.7072% | 2,350 |
| Net loans and leases to total assets | 66.9351% | 2,533 |
| Net loans and leases to deposits | 89.9978% | 1,239 |
| Net loans and leases to core deposits | 98.9316% | 1,234 |
| Total domestic deposits to total assets | 74.3741% | 6,252 |
| Equity capital to assets | 10.3346% | 3,359 |
| Core capital (leverage) ratio | 10.8050% | 2,571 |
| Tier 1 risk-based capital ratio | 12.9832% | 4,982 |
| Total risk-based capital ratio | 14.2393% | 4,932 |
| Memoranda: | ||
| Average total assets | $635,613,200 | 1,053 |
| Average earning assets | $546,941,000 | 1,104 |
| Average equity | $64,734,400 | 1,107 |
| Average total loans | $416,249,400 | 1,025 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1053% | 3,740 |
| Cost of funding earning assets | 0.8800% | 905 |
| Net interest margin | 3.2254% | 4,912 |
| Noninterest income to average assets | 0.5494% | 3,465 |
| Noninterest expense to average assets | 3.2603% | 2,177 |
| Loan and lease loss provision to assets | -0.3528% | 6,795 |
| Net operating income to assets | 0.4192% | 5,167 |
| Return on assets (ROA) | 0.4456% | 5,185 |
| Pretax return on assets | 0.4456% | 5,510 |
| Return on Equity (ROE) | 4.3906% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.3906% | 3,550 |
| Net charge-offs to loans | 0.1855% | 2,744 |
| Credit loss provision to net charge-offs | -293.6097% | 5,963 |
| Earnings coverage of net charge-offs (x) | 0.5527% | 4,678 |
| Efficiency ratio | 97.3361% | 557 |
| Assets per employee ($millions) | 3.9022% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 2,762 |
| Loan loss allowance to noncurrent loans | 185.9534% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 5.1743% | 526 |
| Noncurrent loans to loans | 0.8928% | 4,039 |
| Net loans and leases to total assets | 63.5099% | 3,077 |
| Net loans and leases to deposits | 86.8988% | 1,504 |
| Net loans and leases to core deposits | 96.2076% | 1,379 |
| Total domestic deposits to total assets | 73.0850% | 6,430 |
| Equity capital to assets | 10.1319% | 3,728 |
| Core capital (leverage) ratio | 10.8553% | 2,609 |
| Tier 1 risk-based capital ratio | 13.1850% | 4,991 |
| Total risk-based capital ratio | 14.4358% | 4,935 |
| Memoranda: | ||
| Average total assets | $642,413,500 | 1,052 |
| Average earning assets | $553,184,000 | 1,106 |
| Average equity | $65,198,750 | 1,109 |
| Average total loans | $416,253,500 | 1,025 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 3,784 |
| Cost of funding earning assets | 0.8947% | 923 |
| Net interest margin | 3.1935% | 4,971 |
| Noninterest income to average assets | 0.4899% | 3,900 |
| Noninterest expense to average assets | 3.1188% | 2,608 |
| Loan and lease loss provision to assets | -0.1548% | 6,753 |
| Net operating income to assets | 0.2793% | 5,667 |
| Return on assets (ROA) | 0.3187% | 5,683 |
| Pretax return on assets | 0.3187% | 5,823 |
| Return on Equity (ROE) | 3.1381% | 5,573 |
| Retained earnings to average equity (ytd only) | 3.1381% | 4,328 |
| Net charge-offs to loans | -0.0473% | 6,245 |
| Credit loss provision to net charge-offs | 505.0505% | 542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4836% | 684 |
| Assets per employee ($millions) | 3.9270% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0905% | 1,648 |
| Loan loss allowance to noncurrent loans | 159.5686% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 5.2418% | 565 |
| Noncurrent loans to loans | 1.3101% | 3,368 |
| Net loans and leases to total assets | 63.7199% | 2,963 |
| Net loans and leases to deposits | 89.5314% | 1,187 |
| Net loans and leases to core deposits | 97.9909% | 1,218 |
| Total domestic deposits to total assets | 71.1704% | 6,610 |
| Equity capital to assets | 10.1907% | 3,672 |
| Core capital (leverage) ratio | 10.5738% | 2,799 |
| Tier 1 risk-based capital ratio | 13.0418% | 5,109 |
| Total risk-based capital ratio | 14.2973% | 5,052 |
| Memoranda: | ||
| Average total assets | $645,830,000 | 1,043 |
| Average earning assets | $556,814,000 | 1,099 |
| Average equity | $65,581,670 | 1,102 |
| Average total loans | $418,916,330 | 1,019 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 3,838 |
| Cost of funding earning assets | 0.9015% | 979 |
| Net interest margin | 3.1693% | 5,032 |
| Noninterest income to average assets | 0.4420% | 4,161 |
| Noninterest expense to average assets | 3.0209% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1506% | 6,040 |
| Return on assets (ROA) | 0.2287% | 5,921 |
| Pretax return on assets | 0.2287% | 6,024 |
| Return on Equity (ROE) | 2.2560% | 5,857 |
| Retained earnings to average equity (ytd only) | 2.2560% | 4,887 |
| Net charge-offs to loans | -0.1025% | 6,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5532% | 801 |
| Assets per employee ($millions) | 3.9566% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1851% | 1,615 |
| Loan loss allowance to noncurrent loans | 139.4977% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 5.4720% | 631 |
| Noncurrent loans to loans | 1.5664% | 3,190 |
| Net loans and leases to total assets | 63.6157% | 2,786 |
| Net loans and leases to deposits | 88.1786% | 1,127 |
| Net loans and leases to core deposits | 93.5500% | 1,375 |
| Total domestic deposits to total assets | 72.1442% | 6,649 |
| Equity capital to assets | 10.2324% | 3,875 |
| Core capital (leverage) ratio | 10.3684% | 2,942 |
| Tier 1 risk-based capital ratio | 12.7650% | 5,391 |
| Total risk-based capital ratio | 14.0230% | 5,327 |
| Memoranda: | ||
| Average total assets | $650,660,500 | 1,044 |
| Average earning assets | $560,376,500 | 1,101 |
| Average equity | $65,957,500 | 1,116 |
| Average total loans | $421,364,000 | 1,017 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 4,306 |
| Cost of funding earning assets | 1.0689% | 1,028 |
| Net interest margin | 3.2045% | 5,560 |
| Noninterest income to average assets | 0.9192% | 1,798 |
| Noninterest expense to average assets | 3.2683% | 2,429 |
| Loan and lease loss provision to assets | 0.1818% | 3,358 |
| Net operating income to assets | 0.2625% | 5,594 |
| Return on assets (ROA) | 0.2625% | 5,803 |
| Pretax return on assets | 0.2397% | 5,927 |
| Return on Equity (ROE) | 2.6714% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.6714% | 4,353 |
| Net charge-offs to loans | 1.2259% | 818 |
| Credit loss provision to net charge-offs | 22.5056% | 5,252 |
| Earnings coverage of net charge-offs (x) | 0.5218% | 5,226 |
| Efficiency ratio | 87.9877% | 1,246 |
| Assets per employee ($millions) | 4.0519% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 1,668 |
| Loan loss allowance to noncurrent loans | 187.2055% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 5.5692% | 664 |
| Noncurrent loans to loans | 1.1429% | 3,938 |
| Net loans and leases to total assets | 63.1071% | 3,036 |
| Net loans and leases to deposits | 85.3896% | 1,596 |
| Net loans and leases to core deposits | 93.2376% | 1,527 |
| Total domestic deposits to total assets | 73.9049% | 6,535 |
| Equity capital to assets | 10.0433% | 4,111 |
| Core capital (leverage) ratio | 10.0795% | 3,301 |
| Tier 1 risk-based capital ratio | 12.1124% | 5,709 |
| Total risk-based capital ratio | 13.3691% | 5,671 |
| Memoranda: | ||
| Average total assets | $659,921,200 | 998 |
| Average earning assets | $570,566,600 | 1,058 |
| Average equity | $64,834,400 | 1,094 |
| Average total loans | $434,961,800 | 960 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 4,555 |
| Cost of funding earning assets | 1.1022% | 1,058 |
| Net interest margin | 3.1729% | 5,763 |
| Noninterest income to average assets | 0.9191% | 1,766 |
| Noninterest expense to average assets | 3.2277% | 2,483 |
| Loan and lease loss provision to assets | 0.2421% | 2,629 |
| Net operating income to assets | 0.2018% | 5,909 |
| Return on assets (ROA) | 0.2018% | 6,077 |
| Pretax return on assets | 0.2018% | 6,118 |
| Return on Equity (ROE) | 2.0651% | 6,004 |
| Retained earnings to average equity (ytd only) | 2.0651% | 5,289 |
| Net charge-offs to loans | 1.5304% | 557 |
| Credit loss provision to net charge-offs | 23.8758% | 4,898 |
| Earnings coverage of net charge-offs (x) | 0.4377% | 5,104 |
| Efficiency ratio | 87.3221% | 1,269 |
| Assets per employee ($millions) | 4.1917% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1488% | 1,811 |
| Loan loss allowance to noncurrent loans | 113.1754% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 5.8970% | 687 |
| Noncurrent loans to loans | 1.8986% | 2,964 |
| Net loans and leases to total assets | 64.3795% | 2,958 |
| Net loans and leases to deposits | 86.4744% | 1,550 |
| Net loans and leases to core deposits | 94.3804% | 1,545 |
| Total domestic deposits to total assets | 74.4492% | 6,565 |
| Equity capital to assets | 9.8440% | 4,721 |
| Core capital (leverage) ratio | 10.0406% | 3,492 |
| Tier 1 risk-based capital ratio | 11.9501% | 5,965 |
| Total risk-based capital ratio | 13.2082% | 5,945 |
| Memoranda: | ||
| Average total assets | $660,801,500 | 1,001 |
| Average earning assets | $573,257,250 | 1,058 |
| Average equity | $64,562,000 | 1,107 |
| Average total loans | $437,879,250 | 957 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 4,611 |
| Cost of funding earning assets | 1.1448% | 1,054 |
| Net interest margin | 3.1465% | 5,873 |
| Noninterest income to average assets | 0.7699% | 2,334 |
| Noninterest expense to average assets | 3.2267% | 2,504 |
| Loan and lease loss provision to assets | 0.1666% | 3,439 |
| Net operating income to assets | 0.1048% | 6,144 |
| Return on assets (ROA) | 0.1048% | 6,305 |
| Pretax return on assets | 0.1048% | 6,321 |
| Return on Equity (ROE) | 1.0754% | 6,286 |
| Retained earnings to average equity (ytd only) | 1.0754% | 5,644 |
| Net charge-offs to loans | 1.9791% | 428 |
| Credit loss provision to net charge-offs | 12.6728% | 4,705 |
| Earnings coverage of net charge-offs (x) | 0.2065% | 4,971 |
| Efficiency ratio | 91.6270% | 951 |
| Assets per employee ($millions) | 4.1772% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1771% | 1,826 |
| Loan loss allowance to noncurrent loans | 118.6443% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 6.1844% | 679 |
| Noncurrent loans to loans | 1.8350% | 3,172 |
| Net loans and leases to total assets | 64.3963% | 2,955 |
| Net loans and leases to deposits | 86.1559% | 1,573 |
| Net loans and leases to core deposits | 96.7350% | 1,379 |
| Total domestic deposits to total assets | 74.7439% | 6,608 |
| Equity capital to assets | 9.8351% | 4,566 |
| Core capital (leverage) ratio | 9.7129% | 3,813 |
| Tier 1 risk-based capital ratio | 11.9292% | 5,976 |
| Total risk-based capital ratio | 13.1872% | 5,936 |
| Memoranda: | ||
| Average total assets | $660,307,330 | 995 |
| Average earning assets | $572,517,670 | 1,057 |
| Average equity | $64,351,000 | 1,098 |
| Average total loans | $438,593,000 | 953 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 4,641 |
| Cost of funding earning assets | 1.1798% | 1,066 |
| Net interest margin | 3.1441% | 5,920 |
| Noninterest income to average assets | 0.7716% | 2,293 |
| Noninterest expense to average assets | 3.1907% | 2,633 |
| Loan and lease loss provision to assets | 0.2717% | 2,286 |
| Net operating income to assets | 0.0411% | 6,351 |
| Return on assets (ROA) | 0.0411% | 6,468 |
| Pretax return on assets | 0.0411% | 6,465 |
| Return on Equity (ROE) | 0.4232% | 6,459 |
| Retained earnings to average equity (ytd only) | 0.4232% | 5,862 |
| Net charge-offs to loans | 2.5320% | 323 |
| Credit loss provision to net charge-offs | 16.0829% | 3,831 |
| Earnings coverage of net charge-offs (x) | 0.1851% | 4,277 |
| Efficiency ratio | 90.4532% | 1,054 |
| Assets per employee ($millions) | 4.1956% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4665% | 1,402 |
| Loan loss allowance to noncurrent loans | 115.4649% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 5.4823% | 896 |
| Noncurrent loans to loans | 2.1361% | 2,983 |
| Net loans and leases to total assets | 63.8598% | 2,876 |
| Net loans and leases to deposits | 84.3797% | 1,617 |
| Net loans and leases to core deposits | 96.5229% | 1,254 |
| Total domestic deposits to total assets | 75.6815% | 6,580 |
| Equity capital to assets | 9.5741% | 4,687 |
| Core capital (leverage) ratio | 9.8352% | 3,589 |
| Tier 1 risk-based capital ratio | 11.9531% | 5,988 |
| Total risk-based capital ratio | 13.2142% | 5,979 |
| Memoranda: | ||
| Average total assets | $662,554,500 | 995 |
| Average earning assets | $575,674,500 | 1,052 |
| Average equity | $64,276,500 | 1,094 |
| Average total loans | $442,030,500 | 939 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 5,066 |
| Cost of funding earning assets | 1.3940% | 1,069 |
| Net interest margin | 3.1070% | 6,332 |
| Noninterest income to average assets | 0.4169% | 4,478 |
| Noninterest expense to average assets | 3.3252% | 2,440 |
| Loan and lease loss provision to assets | 0.4807% | 2,205 |
| Net operating income to assets | -1.9700% | 7,025 |
| Return on assets (ROA) | -1.9700% | 7,031 |
| Pretax return on assets | -0.6887% | 6,594 |
| Return on Equity (ROE) | -18.3033% | 6,959 |
| Retained earnings to average equity (ytd only) | -18.3033% | 6,944 |
| Net charge-offs to loans | 1.0329% | 1,686 |
| Credit loss provision to net charge-offs | 68.1537% | 4,926 |
| Earnings coverage of net charge-offs (x) | -0.2949% | 6,002 |
| Efficiency ratio | 106.0047% | 519 |
| Assets per employee ($millions) | 4.0359% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9670% | 838 |
| Loan loss allowance to noncurrent loans | 116.4592% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 6.1477% | 789 |
| Noncurrent loans to loans | 2.5476% | 2,579 |
| Net loans and leases to total assets | 65.9734% | 2,789 |
| Net loans and leases to deposits | 87.8212% | 1,406 |
| Net loans and leases to core deposits | 98.7351% | 1,284 |
| Total domestic deposits to total assets | 75.1224% | 6,587 |
| Equity capital to assets | 9.8319% | 4,398 |
| Core capital (leverage) ratio | 9.6101% | 3,854 |
| Tier 1 risk-based capital ratio | 11.7168% | 6,012 |
| Total risk-based capital ratio | 12.9828% | 5,990 |
| Memoranda: | ||
| Average total assets | $686,505,200 | 950 |
| Average earning assets | $596,646,000 | 985 |
| Average equity | $73,888,200 | 914 |
| Average total loans | $468,756,800 | 890 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 5,444 |
| Cost of funding earning assets | 1.4296% | 1,112 |
| Net interest margin | 3.0158% | 6,552 |
| Noninterest income to average assets | 0.4345% | 4,405 |
| Noninterest expense to average assets | 3.2991% | 2,493 |
| Loan and lease loss provision to assets | 0.5182% | 1,912 |
| Net operating income to assets | -0.7393% | 6,772 |
| Return on assets (ROA) | -0.7393% | 6,807 |
| Pretax return on assets | -0.7631% | 6,766 |
| Return on Equity (ROE) | -6.7321% | 6,755 |
| Retained earnings to average equity (ytd only) | -6.7321% | 6,689 |
| Net charge-offs to loans | 1.2746% | 1,218 |
| Credit loss provision to net charge-offs | 59.4845% | 4,819 |
| Earnings coverage of net charge-offs (x) | -0.2811% | 5,756 |
| Efficiency ratio | 107.3462% | 480 |
| Assets per employee ($millions) | 4.1709% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8045% | 1,027 |
| Loan loss allowance to noncurrent loans | 115.2924% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 5.9031% | 914 |
| Noncurrent loans to loans | 2.4325% | 2,845 |
| Net loans and leases to total assets | 66.1259% | 2,876 |
| Net loans and leases to deposits | 88.6985% | 1,355 |
| Net loans and leases to core deposits | 99.3046% | 1,312 |
| Total domestic deposits to total assets | 74.5514% | 6,698 |
| Equity capital to assets | 10.9632% | 3,181 |
| Core capital (leverage) ratio | 9.7673% | 3,746 |
| Tier 1 risk-based capital ratio | 11.6441% | 6,143 |
| Total risk-based capital ratio | 12.9089% | 6,128 |
| Memoranda: | ||
| Average total assets | $694,679,250 | 946 |
| Average earning assets | $603,420,250 | 977 |
| Average equity | $76,289,750 | 888 |
| Average total loans | $474,813,750 | 895 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 5,860 |
| Cost of funding earning assets | 1.4707% | 1,114 |
| Net interest margin | 2.8739% | 6,837 |
| Noninterest income to average assets | 0.6026% | 3,121 |
| Noninterest expense to average assets | 3.1800% | 2,970 |
| Loan and lease loss provision to assets | 0.5706% | 1,697 |
| Net operating income to assets | -0.6060% | 6,764 |
| Return on assets (ROA) | -0.6060% | 6,772 |
| Pretax return on assets | -0.6414% | 6,730 |
| Return on Equity (ROE) | -5.5149% | 6,745 |
| Retained earnings to average equity (ytd only) | -5.5149% | 6,608 |
| Net charge-offs to loans | 1.3066% | 1,172 |
| Credit loss provision to net charge-offs | 63.7959% | 4,242 |
| Earnings coverage of net charge-offs (x) | -0.0791% | 5,328 |
| Efficiency ratio | 101.6242% | 673 |
| Assets per employee ($millions) | 3.9190% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9439% | 941 |
| Loan loss allowance to noncurrent loans | 112.1782% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 6.1393% | 908 |
| Noncurrent loans to loans | 2.6243% | 2,759 |
| Net loans and leases to total assets | 64.9860% | 3,259 |
| Net loans and leases to deposits | 87.4122% | 1,589 |
| Net loans and leases to core deposits | 100.0605% | 1,334 |
| Total domestic deposits to total assets | 74.3443% | 6,803 |
| Equity capital to assets | 11.0089% | 2,939 |
| Core capital (leverage) ratio | 9.7660% | 3,571 |
| Tier 1 risk-based capital ratio | 12.1956% | 5,617 |
| Total risk-based capital ratio | 13.4612% | 5,586 |
| Memoranda: | ||
| Average total assets | $701,012,670 | 946 |
| Average earning assets | $611,426,670 | 975 |
| Average equity | $77,027,670 | 882 |
| Average total loans | $479,854,670 | 904 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 5,990 |
| Cost of funding earning assets | 1.5024% | 1,154 |
| Net interest margin | 2.8084% | 6,891 |
| Noninterest income to average assets | 0.5530% | 3,485 |
| Noninterest expense to average assets | 3.2101% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1296% | 6,489 |
| Return on assets (ROA) | -0.1296% | 6,507 |
| Pretax return on assets | -0.2043% | 6,540 |
| Return on Equity (ROE) | -1.1808% | 6,508 |
| Retained earnings to average equity (ytd only) | -1.1808% | 6,023 |
| Net charge-offs to loans | -0.0196% | 6,566 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1205% | 572 |
| Assets per employee ($millions) | 3.8444% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0925% | 841 |
| Loan loss allowance to noncurrent loans | 53.8150% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 6.7197% | 810 |
| Noncurrent loans to loans | 5.7466% | 1,127 |
| Net loans and leases to total assets | 66.8154% | 2,807 |
| Net loans and leases to deposits | 89.5800% | 1,282 |
| Net loans and leases to core deposits | 102.6912% | 1,151 |
| Total domestic deposits to total assets | 74.5874% | 6,846 |
| Equity capital to assets | 11.1918% | 2,510 |
| Core capital (leverage) ratio | 10.0050% | 3,140 |
| Tier 1 risk-based capital ratio | 12.3789% | 5,367 |
| Total risk-based capital ratio | 13.6465% | 5,342 |
| Memoranda: | ||
| Average total assets | $706,648,000 | 948 |
| Average earning assets | $617,157,000 | 981 |
| Average equity | $77,575,000 | 863 |
| Average total loans | $488,866,000 | 897 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3938% | 6,624 |
| Cost of funding earning assets | 1.9579% | 704 |
| Net interest margin | 2.4359% | 7,307 |
| Noninterest income to average assets | 0.8455% | 2,079 |
| Noninterest expense to average assets | 3.0744% | 3,573 |
| Loan and lease loss provision to assets | 0.3961% | 3,743 |
| Net operating income to assets | -0.3025% | 6,222 |
| Return on assets (ROA) | -0.2300% | 6,199 |
| Pretax return on assets | -0.3618% | 6,211 |
| Return on Equity (ROE) | -2.2809% | 6,203 |
| Retained earnings to average equity (ytd only) | -2.2809% | 6,010 |
| Net charge-offs to loans | 1.5937% | 1,367 |
| Credit loss provision to net charge-offs | 37.0038% | 6,424 |
| Earnings coverage of net charge-offs (x) | -0.0738% | 6,195 |
| Efficiency ratio | 102.0250% | 722 |
| Assets per employee ($millions) | 3.9201% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9426% | 912 |
| Loan loss allowance to noncurrent loans | 48.5259% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 7.0000% | 782 |
| Noncurrent loans to loans | 6.0639% | 1,023 |
| Net loans and leases to total assets | 67.3626% | 3,134 |
| Net loans and leases to deposits | 89.6368% | 1,578 |
| Net loans and leases to core deposits | 107.0559% | 1,123 |
| Total domestic deposits to total assets | 75.1506% | 6,750 |
| Equity capital to assets | 10.7727% | 2,881 |
| Core capital (leverage) ratio | 9.4092% | 3,832 |
| Tier 1 risk-based capital ratio | 11.8845% | 5,583 |
| Total risk-based capital ratio | 13.1505% | 5,548 |
| Memoranda: | ||
| Average total assets | $781,413,200 | 868 |
| Average earning assets | $689,670,800 | 889 |
| Average equity | $78,785,800 | 837 |
| Average total loans | $524,826,600 | 856 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 6,888 |
| Cost of funding earning assets | 2.0336% | 678 |
| Net interest margin | 2.3191% | 7,478 |
| Noninterest income to average assets | 0.8136% | 2,161 |
| Noninterest expense to average assets | 2.9554% | 3,908 |
| Loan and lease loss provision to assets | 0.2427% | 4,655 |
| Net operating income to assets | -0.2109% | 6,334 |
| Return on assets (ROA) | -0.1641% | 6,347 |
| Pretax return on assets | -0.2576% | 6,374 |
| Return on Equity (ROE) | -1.6528% | 6,356 |
| Retained earnings to average equity (ytd only) | -1.6528% | 6,126 |
| Net charge-offs to loans | 1.1018% | 1,844 |
| Credit loss provision to net charge-offs | 33.0522% | 6,123 |
| Earnings coverage of net charge-offs (x) | -0.1199% | 6,123 |
| Efficiency ratio | 102.4463% | 672 |
| Assets per employee ($millions) | 4.1640% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3508% | 602 |
| Loan loss allowance to noncurrent loans | 53.9729% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 7.0217% | 768 |
| Noncurrent loans to loans | 6.2084% | 987 |
| Net loans and leases to total assets | 65.2999% | 3,844 |
| Net loans and leases to deposits | 86.2951% | 2,274 |
| Net loans and leases to core deposits | 103.4883% | 1,527 |
| Total domestic deposits to total assets | 75.6704% | 6,709 |
| Equity capital to assets | 10.4858% | 3,536 |
| Core capital (leverage) ratio | 9.0370% | 4,627 |
| Tier 1 risk-based capital ratio | 12.0223% | 5,440 |
| Total risk-based capital ratio | 13.2940% | 5,391 |
| Memoranda: | ||
| Average total assets | $796,442,000 | 854 |
| Average earning assets | $705,325,750 | 876 |
| Average equity | $79,056,500 | 832 |
| Average total loans | $530,879,250 | 853 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 7,078 |
| Cost of funding earning assets | 2.0934% | 670 |
| Net interest margin | 2.1867% | 7,590 |
| Noninterest income to average assets | 0.7029% | 2,687 |
| Noninterest expense to average assets | 2.9128% | 4,029 |
| Loan and lease loss provision to assets | 0.3577% | 3,566 |
| Net operating income to assets | -0.3996% | 6,567 |
| Return on assets (ROA) | -0.3846% | 6,588 |
| Pretax return on assets | -0.6066% | 6,662 |
| Return on Equity (ROE) | -3.9436% | 6,613 |
| Retained earnings to average equity (ytd only) | -3.9436% | 6,430 |
| Net charge-offs to loans | 1.0258% | 1,819 |
| Credit loss provision to net charge-offs | 52.5362% | 5,364 |
| Earnings coverage of net charge-offs (x) | -0.4000% | 5,982 |
| Efficiency ratio | 109.6515% | 554 |
| Assets per employee ($millions) | 4.3909% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5824% | 515 |
| Loan loss allowance to noncurrent loans | 47.4329% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 7.6053% | 670 |
| Noncurrent loans to loans | 7.5526% | 711 |
| Net loans and leases to total assets | 61.5916% | 4,762 |
| Net loans and leases to deposits | 79.4347% | 3,707 |
| Net loans and leases to core deposits | 104.9202% | 1,546 |
| Total domestic deposits to total assets | 77.5374% | 6,382 |
| Equity capital to assets | 9.6281% | 4,503 |
| Core capital (leverage) ratio | 8.3523% | 5,661 |
| Tier 1 risk-based capital ratio | 11.3932% | 5,871 |
| Total risk-based capital ratio | 12.6670% | 5,826 |
| Memoranda: | ||
| Average total assets | $810,695,000 | 844 |
| Average earning assets | $718,352,000 | 860 |
| Average equity | $79,065,330 | 829 |
| Average total loans | $538,100,000 | 848 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 7,151 |
| Cost of funding earning assets | 2.1379% | 718 |
| Net interest margin | 2.1491% | 7,671 |
| Noninterest income to average assets | 0.7092% | 2,533 |
| Noninterest expense to average assets | 2.9556% | 3,836 |
| Loan and lease loss provision to assets | 0.1238% | 5,337 |
| Net operating income to assets | -0.2927% | 6,659 |
| Return on assets (ROA) | -0.2927% | 6,715 |
| Pretax return on assets | -0.4695% | 6,760 |
| Return on Equity (ROE) | -2.9818% | 6,738 |
| Retained earnings to average equity (ytd only) | -2.9818% | 6,360 |
| Net charge-offs to loans | 0.7608% | 1,990 |
| Credit loss provision to net charge-offs | 24.0616% | 4,899 |
| Earnings coverage of net charge-offs (x) | -0.6718% | 5,334 |
| Efficiency ratio | 112.5617% | 548 |
| Assets per employee ($millions) | 4.5804% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6266% | 492 |
| Loan loss allowance to noncurrent loans | 51.3279% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 7.2234% | 734 |
| Noncurrent loans to loans | 7.0656% | 836 |
| Net loans and leases to total assets | 60.5737% | 5,026 |
| Net loans and leases to deposits | 77.0889% | 4,208 |
| Net loans and leases to core deposits | 98.8713% | 2,250 |
| Total domestic deposits to total assets | 78.5765% | 6,180 |
| Equity capital to assets | 9.3724% | 4,719 |
| Core capital (leverage) ratio | 8.8808% | 4,755 |
| Tier 1 risk-based capital ratio | 11.6075% | 5,569 |
| Total risk-based capital ratio | 12.8808% | 5,507 |
| Memoranda: | ||
| Average total assets | $807,690,000 | 863 |
| Average earning assets | $714,339,000 | 884 |
| Average equity | $79,281,500 | 829 |
| Average total loans | $546,294,000 | 859 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 6,623 |
| Cost of funding earning assets | 2.3199% | 1,579 |
| Net interest margin | 2.6173% | 7,316 |
| Noninterest income to average assets | 0.6929% | 3,026 |
| Noninterest expense to average assets | 3.1498% | 3,547 |
| Loan and lease loss provision to assets | 2.6706% | 714 |
| Net operating income to assets | -1.7383% | 6,982 |
| Return on assets (ROA) | -1.7110% | 6,973 |
| Pretax return on assets | -2.7099% | 7,212 |
| Return on Equity (ROE) | -16.6972% | 7,017 |
| Retained earnings to average equity (ytd only) | -16.6972% | 6,971 |
| Net charge-offs to loans | 2.2732% | 1,031 |
| Credit loss provision to net charge-offs | 154.5026% | 2,954 |
| Earnings coverage of net charge-offs (x) | -0.0474% | 6,270 |
| Efficiency ratio | 101.7905% | 1,017 |
| Assets per employee ($millions) | 4.1315% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5533% | 508 |
| Loan loss allowance to noncurrent loans | 57.3263% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 6.9832% | 721 |
| Noncurrent loans to loans | 6.1983% | 1,004 |
| Net loans and leases to total assets | 70.2661% | 3,195 |
| Net loans and leases to deposits | 91.8536% | 1,919 |
| Net loans and leases to core deposits | 112.2566% | 2,672 |
| Total domestic deposits to total assets | 76.4979% | 6,588 |
| Equity capital to assets | 10.2996% | 3,406 |
| Core capital (leverage) ratio | 9.1598% | 4,182 |
| Tier 1 risk-based capital ratio | 11.3916% | 5,521 |
| Total risk-based capital ratio | 12.6657% | 5,452 |
| Memoranda: | ||
| Average total assets | $810,106,200 | 842 |
| Average earning assets | $735,114,200 | 846 |
| Average equity | $83,013,800 | 779 |
| Average total loans | $615,993,200 | 759 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 6,751 |
| Cost of funding earning assets | 2.3391% | 1,846 |
| Net interest margin | 2.6154% | 7,335 |
| Noninterest income to average assets | 0.7352% | 2,794 |
| Noninterest expense to average assets | 3.0324% | 3,919 |
| Loan and lease loss provision to assets | 3.1133% | 461 |
| Net operating income to assets | -1.9079% | 7,277 |
| Return on assets (ROA) | -1.8719% | 7,264 |
| Pretax return on assets | -2.9644% | 7,491 |
| Return on Equity (ROE) | -18.2889% | 7,317 |
| Retained earnings to average equity (ytd only) | -18.2889% | 7,281 |
| Net charge-offs to loans | 1.6527% | 1,230 |
| Credit loss provision to net charge-offs | 245.3205% | 1,770 |
| Earnings coverage of net charge-offs (x) | 0.0729% | 5,971 |
| Efficiency ratio | 96.0796% | 1,270 |
| Assets per employee ($millions) | 4.3172% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0393% | 290 |
| Loan loss allowance to noncurrent loans | 55.8532% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 6.3662% | 805 |
| Noncurrent loans to loans | 7.2319% | 728 |
| Net loans and leases to total assets | 68.2910% | 3,890 |
| Net loans and leases to deposits | 88.4187% | 2,884 |
| Net loans and leases to core deposits | 114.0002% | 2,828 |
| Total domestic deposits to total assets | 77.2359% | 6,279 |
| Equity capital to assets | 9.9543% | 4,147 |
| Core capital (leverage) ratio | 9.6593% | 3,705 |
| Tier 1 risk-based capital ratio | 12.2135% | 4,779 |
| Total risk-based capital ratio | 13.4938% | 4,695 |
| Memoranda: | ||
| Average total assets | $819,487,250 | 840 |
| Average earning assets | $748,773,500 | 841 |
| Average equity | $83,874,000 | 777 |
| Average total loans | $629,275,750 | 757 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 6,521 |
| Cost of funding earning assets | 2.3821% | 2,041 |
| Net interest margin | 2.6949% | 7,212 |
| Noninterest income to average assets | 0.7263% | 2,830 |
| Noninterest expense to average assets | 3.0013% | 4,080 |
| Loan and lease loss provision to assets | 3.1610% | 465 |
| Net operating income to assets | -1.8761% | 7,395 |
| Return on assets (ROA) | -1.8220% | 7,367 |
| Pretax return on assets | -2.8856% | 7,537 |
| Return on Equity (ROE) | -17.6390% | 7,446 |
| Retained earnings to average equity (ytd only) | -17.6390% | 7,381 |
| Net charge-offs to loans | 2.0021% | 926 |
| Credit loss provision to net charge-offs | 200.6676% | 2,265 |
| Earnings coverage of net charge-offs (x) | 0.1211% | 5,542 |
| Efficiency ratio | 92.8900% | 1,576 |
| Assets per employee ($millions) | 4.2863% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0518% | 544 |
| Loan loss allowance to noncurrent loans | 57.0132% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 5.6355% | 884 |
| Noncurrent loans to loans | 5.3528% | 1,102 |
| Net loans and leases to total assets | 73.9247% | 2,720 |
| Net loans and leases to deposits | 96.9822% | 1,657 |
| Net loans and leases to core deposits | 122.7280% | 2,136 |
| Total domestic deposits to total assets | 76.2250% | 6,504 |
| Equity capital to assets | 10.6142% | 3,285 |
| Core capital (leverage) ratio | 10.1235% | 3,167 |
| Tier 1 risk-based capital ratio | 12.2370% | 4,729 |
| Total risk-based capital ratio | 13.5058% | 4,633 |
| Memoranda: | ||
| Average total assets | $817,791,000 | 859 |
| Average earning assets | $748,238,330 | 853 |
| Average equity | $84,471,670 | 778 |
| Average total loans | $643,429,670 | 765 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 6,491 |
| Cost of funding earning assets | 2.3580% | 2,477 |
| Net interest margin | 2.7908% | 7,013 |
| Noninterest income to average assets | 0.7823% | 2,415 |
| Noninterest expense to average assets | 3.3008% | 2,655 |
| Loan and lease loss provision to assets | 6.2924% | 115 |
| Net operating income to assets | -3.9475% | 7,972 |
| Return on assets (ROA) | -3.8397% | 7,960 |
| Pretax return on assets | -6.0777% | 8,054 |
| Return on Equity (ROE) | -37.6855% | 7,967 |
| Retained earnings to average equity (ytd only) | -37.6855% | 7,941 |
| Net charge-offs to loans | 0.2785% | 3,002 |
| Credit loss provision to net charge-offs | 2,828.2276% | 240 |
| Earnings coverage of net charge-offs (x) | 0.2079% | 4,815 |
| Efficiency ratio | 97.5418% | 1,237 |
| Assets per employee ($millions) | 4.6794% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8685% | 245 |
| Loan loss allowance to noncurrent loans | 60.6733% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 6.4450% | 582 |
| Noncurrent loans to loans | 6.3760% | 714 |
| Net loans and leases to total assets | 73.2731% | 2,944 |
| Net loans and leases to deposits | 96.7110% | 1,836 |
| Net loans and leases to core deposits | 122.6014% | 2,198 |
| Total domestic deposits to total assets | 75.7650% | 6,560 |
| Equity capital to assets | 10.1615% | 3,810 |
| Core capital (leverage) ratio | 10.1478% | 3,242 |
| Tier 1 risk-based capital ratio | 11.6245% | 5,274 |
| Total risk-based capital ratio | 12.9021% | 5,169 |
| Memoranda: | ||
| Average total assets | $821,628,500 | 858 |
| Average earning assets | $755,044,500 | 846 |
| Average equity | $83,714,000 | 788 |
| Average total loans | $656,280,500 | 755 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2961% | 3,977 |
| Cost of funding earning assets | 2.7502% | 2,924 |
| Net interest margin | 3.5458% | 5,118 |
| Noninterest income to average assets | 0.9295% | 1,858 |
| Noninterest expense to average assets | 3.6745% | 1,996 |
| Loan and lease loss provision to assets | 2.2173% | 519 |
| Net operating income to assets | -1.2644% | 7,371 |
| Return on assets (ROA) | -1.1949% | 7,284 |
| Pretax return on assets | -1.5704% | 7,289 |
| Return on Equity (ROE) | -11.1990% | 7,359 |
| Retained earnings to average equity (ytd only) | -11.9558% | 7,242 |
| Net charge-offs to loans | 2.1310% | 498 |
| Credit loss provision to net charge-offs | 124.8259% | 4,285 |
| Earnings coverage of net charge-offs (x) | 0.3127% | 6,044 |
| Efficiency ratio | 71.1167% | 4,108 |
| Assets per employee ($millions) | 4.3296% | 2,913 |
| Cash dividends to net income (ytd only)* | -6.7575% | 7,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 1,540 |
| Loan loss allowance to noncurrent loans | 28.4865% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 5.9923% | 495 |
| Noncurrent loans to loans | 6.4748% | 493 |
| Net loans and leases to total assets | 82.1737% | 1,197 |
| Net loans and leases to deposits | 108.6068% | 930 |
| Net loans and leases to core deposits | 129.8505% | 1,864 |
| Total domestic deposits to total assets | 75.6616% | 6,311 |
| Equity capital to assets | 10.2174% | 3,783 |
| Core capital (leverage) ratio | 10.0043% | 3,441 |
| Tier 1 risk-based capital ratio | 10.9687% | 5,753 |
| Total risk-based capital ratio | 12.2241% | 5,655 |
| Memoranda: | ||
| Average total assets | $767,835,800 | 886 |
| Average earning assets | $714,701,000 | 852 |
| Average equity | $81,926,800 | 812 |
| Average total loans | $640,038,400 | 747 |