Home > Blue Hills Bank > Performance and Condition Ratios
Blue Hills 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 | 4.5088% | 2,838 |
| Cost of funding earning assets | 1.3230% | 612 |
| Net interest margin | 3.1858% | 4,417 |
| Noninterest income to average assets | -1.2197% | 5,356 |
| Noninterest expense to average assets | 3.3402% | 1,208 |
| Loan and lease loss provision to assets | -0.2909% | 5,321 |
| Net operating income to assets | -0.0724% | 5,171 |
| Return on assets (ROA) | -0.4254% | 5,238 |
| Pretax return on assets | -1.7182% | 5,303 |
| Return on Equity (ROE) | -3.1989% | 5,238 |
| Retained earnings to average equity (ytd only) | -3.1989% | 4,824 |
| Net charge-offs to loans | 0.0038% | 2,589 |
| Credit loss provision to net charge-offs | -9,176.1905% | 4,239 |
| Earnings coverage of net charge-offs (x) | -492.7619% | 2,737 |
| Efficiency ratio | 187.3907% | 28 |
| Assets per employee ($millions) | 10.7025% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 4,426 |
| Loan loss allowance to noncurrent loans | 166.7658% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 2,485 |
| Noncurrent loans to loans | 0.4964% | 2,826 |
| Net loans and leases to total assets | 83.5295% | 415 |
| Net loans and leases to deposits | 107.1900% | 288 |
| Net loans and leases to core deposits | 132.4960% | 278 |
| Total domestic deposits to total assets | 77.9265% | 4,527 |
| Equity capital to assets | 14.2074% | 967 |
| Core capital (leverage) ratio | 12.5438% | 1,484 |
| Tier 1 risk-based capital ratio | 15.9556% | 2,456 |
| Total risk-based capital ratio | 16.7533% | 2,571 |
| Memoranda: | ||
| Average total assets | $2,649,542,000 | 348 |
| Average earning assets | $2,493,080,500 | 338 |
| Average equity | $352,372,500 | 317 |
| Average total loans | $2,220,242,500 | 311 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 4,062 |
| Cost of funding earning assets | 1.0286% | 670 |
| Net interest margin | 2.9606% | 4,838 |
| Noninterest income to average assets | 0.4924% | 2,871 |
| Noninterest expense to average assets | 1.9296% | 4,849 |
| Loan and lease loss provision to assets | -0.0409% | 5,173 |
| Net operating income to assets | 1.0420% | 2,836 |
| Return on assets (ROA) | 1.0459% | 2,808 |
| Pretax return on assets | 1.4172% | 2,079 |
| Return on Equity (ROE) | 8.3526% | 3,300 |
| Retained earnings to average equity (ytd only) | 5.4304% | 2,518 |
| Net charge-offs to loans | 0.0187% | 3,074 |
| Credit loss provision to net charge-offs | -263.6792% | 4,518 |
| Earnings coverage of net charge-offs (x) | 88.3939% | 806 |
| Efficiency ratio | 57.9440% | 4,172 |
| Assets per employee ($millions) | 11.8873% | 205 |
| Cash dividends to net income (ytd only)* | 34.9858% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 4,446 |
| Loan loss allowance to noncurrent loans | 182.5090% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 2,559 |
| Noncurrent loans to loans | 0.4527% | 2,914 |
| Net loans and leases to total assets | 82.7262% | 553 |
| Net loans and leases to deposits | 107.2238% | 330 |
| Net loans and leases to core deposits | 146.1777% | 156 |
| Total domestic deposits to total assets | 77.1529% | 4,610 |
| Equity capital to assets | 12.4922% | 1,580 |
| Core capital (leverage) ratio | 12.4741% | 1,470 |
| Tier 1 risk-based capital ratio | 15.0296% | 2,821 |
| Total risk-based capital ratio | 15.8730% | 2,930 |
| Memoranda: | ||
| Average total assets | $2,732,840,800 | 340 |
| Average earning assets | $2,592,625,000 | 329 |
| Average equity | $342,202,800 | 320 |
| Average total loans | $2,270,211,400 | 309 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 4,163 |
| Cost of funding earning assets | 0.9786% | 646 |
| Net interest margin | 2.9413% | 4,922 |
| Noninterest income to average assets | 0.5420% | 2,611 |
| Noninterest expense to average assets | 1.9553% | 4,816 |
| Loan and lease loss provision to assets | -0.0266% | 5,254 |
| Net operating income to assets | 1.0222% | 2,998 |
| Return on assets (ROA) | 1.0347% | 2,950 |
| Pretax return on assets | 1.4191% | 2,166 |
| Return on Equity (ROE) | 8.2580% | 3,435 |
| Retained earnings to average equity (ytd only) | 8.2580% | 1,533 |
| Net charge-offs to loans | 0.0246% | 2,628 |
| Credit loss provision to net charge-offs | -130.0481% | 4,267 |
| Earnings coverage of net charge-offs (x) | 67.3801% | 981 |
| Efficiency ratio | 58.1203% | 4,102 |
| Assets per employee ($millions) | 11.6403% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,410 |
| Loan loss allowance to noncurrent loans | 169.0284% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 2,531 |
| Noncurrent loans to loans | 0.5097% | 2,858 |
| Net loans and leases to total assets | 82.3896% | 648 |
| Net loans and leases to deposits | 104.6100% | 515 |
| Net loans and leases to core deposits | 137.7243% | 226 |
| Total domestic deposits to total assets | 78.7589% | 4,368 |
| Equity capital to assets | 12.6824% | 1,478 |
| Core capital (leverage) ratio | 12.6206% | 1,450 |
| Tier 1 risk-based capital ratio | 15.2041% | 2,784 |
| Total risk-based capital ratio | 16.0795% | 2,875 |
| Memoranda: | ||
| Average total assets | $2,714,698,500 | 343 |
| Average earning assets | $2,575,072,500 | 331 |
| Average equity | $340,139,000 | 318 |
| Average total loans | $2,252,728,000 | 309 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 4,237 |
| Cost of funding earning assets | 0.9200% | 675 |
| Net interest margin | 2.9232% | 4,982 |
| Noninterest income to average assets | 0.5295% | 2,692 |
| Noninterest expense to average assets | 1.9670% | 4,852 |
| Loan and lease loss provision to assets | -0.0267% | 5,335 |
| Net operating income to assets | 0.9952% | 3,041 |
| Return on assets (ROA) | 1.0177% | 2,941 |
| Pretax return on assets | 1.3918% | 2,177 |
| Return on Equity (ROE) | 8.1570% | 3,433 |
| Retained earnings to average equity (ytd only) | 8.1570% | 1,556 |
| Net charge-offs to loans | 0.0352% | 2,146 |
| Credit loss provision to net charge-offs | -91.3486% | 4,080 |
| Earnings coverage of net charge-offs (x) | 45.7812% | 1,197 |
| Efficiency ratio | 58.9161% | 4,098 |
| Assets per employee ($millions) | 11.1901% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,401 |
| Loan loss allowance to noncurrent loans | 196.3606% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 2,725 |
| Noncurrent loans to loans | 0.4511% | 3,083 |
| Net loans and leases to total assets | 82.1421% | 694 |
| Net loans and leases to deposits | 104.9684% | 483 |
| Net loans and leases to core deposits | 138.3760% | 210 |
| Total domestic deposits to total assets | 78.2541% | 4,545 |
| Equity capital to assets | 12.5490% | 1,510 |
| Core capital (leverage) ratio | 12.7601% | 1,324 |
| Tier 1 risk-based capital ratio | 15.3205% | 2,718 |
| Total risk-based capital ratio | 16.2351% | 2,802 |
| Memoranda: | ||
| Average total assets | $2,692,255,670 | 345 |
| Average earning assets | $2,554,886,330 | 333 |
| Average equity | $335,909,330 | 318 |
| Average total loans | $2,232,963,330 | 308 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 4,278 |
| Cost of funding earning assets | 0.8819% | 658 |
| Net interest margin | 2.8968% | 5,034 |
| Noninterest income to average assets | 0.5950% | 2,285 |
| Noninterest expense to average assets | 2.0008% | 4,847 |
| Loan and lease loss provision to assets | -0.0690% | 5,487 |
| Net operating income to assets | 1.0379% | 2,697 |
| Return on assets (ROA) | 1.0297% | 2,751 |
| Pretax return on assets | 1.4056% | 1,984 |
| Return on Equity (ROE) | 8.2774% | 3,257 |
| Retained earnings to average equity (ytd only) | 8.2774% | 1,738 |
| Net charge-offs to loans | 0.0421% | 1,695 |
| Credit loss provision to net charge-offs | -197.4249% | 3,807 |
| Earnings coverage of net charge-offs (x) | 38.5536% | 1,087 |
| Efficiency ratio | 59.0881% | 4,199 |
| Assets per employee ($millions) | 10.8467% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 4,384 |
| Loan loss allowance to noncurrent loans | 208.7168% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 2,854 |
| Noncurrent loans to loans | 0.4375% | 3,216 |
| Net loans and leases to total assets | 82.0888% | 654 |
| Net loans and leases to deposits | 103.4441% | 513 |
| Net loans and leases to core deposits | 133.1945% | 293 |
| Total domestic deposits to total assets | 79.3557% | 4,520 |
| Equity capital to assets | 12.5852% | 1,435 |
| Core capital (leverage) ratio | 12.4565% | 1,410 |
| Tier 1 risk-based capital ratio | 15.6837% | 2,600 |
| Total risk-based capital ratio | 16.6464% | 2,638 |
| Memoranda: | ||
| Average total assets | $2,667,597,000 | 346 |
| Average earning assets | $2,534,897,500 | 337 |
| Average equity | $331,844,500 | 324 |
| Average total loans | $2,213,390,000 | 306 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 4,754 |
| Cost of funding earning assets | 0.7368% | 862 |
| Net interest margin | 2.7843% | 5,187 |
| Noninterest income to average assets | 0.6769% | 2,061 |
| Noninterest expense to average assets | 2.0576% | 4,867 |
| Loan and lease loss provision to assets | 0.0827% | 2,549 |
| Net operating income to assets | 0.7175% | 3,530 |
| Return on assets (ROA) | 0.7152% | 3,589 |
| Pretax return on assets | 1.1755% | 2,869 |
| Return on Equity (ROE) | 5.7063% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.7063% | 1,703 |
| Net charge-offs to loans | -0.0014% | 4,507 |
| Credit loss provision to net charge-offs | -7,492.8571% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9831% | 4,121 |
| Assets per employee ($millions) | 11.2528% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 4,263 |
| Loan loss allowance to noncurrent loans | 181.1611% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 3,140 |
| Noncurrent loans to loans | 0.5200% | 2,957 |
| Net loans and leases to total assets | 82.3183% | 636 |
| Net loans and leases to deposits | 104.9491% | 451 |
| Net loans and leases to core deposits | 134.9023% | 273 |
| Total domestic deposits to total assets | 78.4364% | 4,648 |
| Equity capital to assets | 12.2944% | 1,644 |
| Core capital (leverage) ratio | 12.3030% | 1,443 |
| Tier 1 risk-based capital ratio | 15.3998% | 2,660 |
| Total risk-based capital ratio | 16.4036% | 2,700 |
| Memoranda: | ||
| Average total assets | $2,536,717,200 | 344 |
| Average earning assets | $2,407,635,000 | 334 |
| Average equity | $317,929,000 | 322 |
| Average total loans | $2,062,742,400 | 307 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4751% | 4,850 |
| Cost of funding earning assets | 0.7107% | 916 |
| Net interest margin | 2.7645% | 5,269 |
| Noninterest income to average assets | 0.7585% | 1,737 |
| Noninterest expense to average assets | 2.0485% | 4,850 |
| Loan and lease loss provision to assets | 0.0755% | 2,558 |
| Net operating income to assets | 0.8663% | 3,194 |
| Return on assets (ROA) | 0.8629% | 3,262 |
| Pretax return on assets | 1.2512% | 2,700 |
| Return on Equity (ROE) | 6.8499% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.8499% | 1,771 |
| Net charge-offs to loans | -0.0053% | 4,471 |
| Credit loss provision to net charge-offs | -1,772.5000% | 5,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5501% | 4,284 |
| Assets per employee ($millions) | 10.9620% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,265 |
| Loan loss allowance to noncurrent loans | 178.6168% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 3,217 |
| Noncurrent loans to loans | 0.5398% | 3,084 |
| Net loans and leases to total assets | 81.7765% | 730 |
| Net loans and leases to deposits | 101.6978% | 638 |
| Net loans and leases to core deposits | 125.3559% | 422 |
| Total domestic deposits to total assets | 80.4112% | 4,227 |
| Equity capital to assets | 12.7907% | 1,495 |
| Core capital (leverage) ratio | 12.6408% | 1,362 |
| Tier 1 risk-based capital ratio | 15.9824% | 2,519 |
| Total risk-based capital ratio | 17.0004% | 2,546 |
| Memoranda: | ||
| Average total assets | $2,504,167,750 | 348 |
| Average earning assets | $2,374,834,500 | 341 |
| Average equity | $315,440,750 | 323 |
| Average total loans | $2,024,368,750 | 315 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4175% | 4,944 |
| Cost of funding earning assets | 0.6831% | 972 |
| Net interest margin | 2.7344% | 5,330 |
| Noninterest income to average assets | 0.9168% | 1,223 |
| Noninterest expense to average assets | 2.0560% | 4,864 |
| Loan and lease loss provision to assets | 0.0943% | 2,099 |
| Net operating income to assets | 0.9738% | 2,554 |
| Return on assets (ROA) | 0.9684% | 2,624 |
| Pretax return on assets | 1.3510% | 2,207 |
| Return on Equity (ROE) | 7.7281% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.7281% | 1,270 |
| Net charge-offs to loans | 0.0009% | 3,494 |
| Credit loss provision to net charge-offs | 13,055.5556% | 19 |
| Earnings coverage of net charge-offs (x) | 2,010.7778% | 21 |
| Efficiency ratio | 57.5207% | 4,654 |
| Assets per employee ($millions) | 10.9198% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 4,366 |
| Loan loss allowance to noncurrent loans | 158.3731% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 3,067 |
| Noncurrent loans to loans | 0.6066% | 2,908 |
| Net loans and leases to total assets | 81.7528% | 698 |
| Net loans and leases to deposits | 101.2914% | 655 |
| Net loans and leases to core deposits | 126.4672% | 381 |
| Total domestic deposits to total assets | 80.7106% | 4,259 |
| Equity capital to assets | 12.7425% | 1,500 |
| Core capital (leverage) ratio | 12.4015% | 1,416 |
| Tier 1 risk-based capital ratio | 16.2432% | 2,413 |
| Total risk-based capital ratio | 17.2792% | 2,432 |
| Memoranda: | ||
| Average total assets | $2,491,163,670 | 353 |
| Average earning assets | $2,361,538,000 | 343 |
| Average equity | $312,157,670 | 327 |
| Average total loans | $1,999,168,000 | 316 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3646% | 5,007 |
| Cost of funding earning assets | 0.6634% | 1,010 |
| Net interest margin | 2.7012% | 5,393 |
| Noninterest income to average assets | 1.2634% | 640 |
| Noninterest expense to average assets | 2.0631% | 4,916 |
| Loan and lease loss provision to assets | 0.0092% | 3,440 |
| Net operating income to assets | 1.3992% | 1,003 |
| Return on assets (ROA) | 1.2674% | 1,361 |
| Pretax return on assets | 1.5868% | 1,269 |
| Return on Equity (ROE) | 10.2018% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.2018% | 766 |
| Net charge-offs to loans | -0.0137% | 4,549 |
| Credit loss provision to net charge-offs | -85.0746% | 3,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9114% | 5,215 |
| Assets per employee ($millions) | 10.9901% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 4,561 |
| Loan loss allowance to noncurrent loans | 143.9850% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 3,133 |
| Noncurrent loans to loans | 0.6589% | 2,853 |
| Net loans and leases to total assets | 78.9909% | 987 |
| Net loans and leases to deposits | 102.1449% | 493 |
| Net loans and leases to core deposits | 125.0922% | 342 |
| Total domestic deposits to total assets | 77.3322% | 5,069 |
| Equity capital to assets | 12.5749% | 1,481 |
| Core capital (leverage) ratio | 12.3855% | 1,401 |
| Tier 1 risk-based capital ratio | 15.4640% | 2,770 |
| Total risk-based capital ratio | 16.4172% | 2,823 |
| Memoranda: | ||
| Average total assets | $2,480,964,000 | 357 |
| Average earning assets | $2,351,689,000 | 345 |
| Average equity | $308,219,000 | 328 |
| Average total loans | $1,962,156,500 | 323 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2696% | 5,207 |
| Cost of funding earning assets | 0.5913% | 1,396 |
| Net interest margin | 2.6784% | 5,444 |
| Noninterest income to average assets | 0.4803% | 3,346 |
| Noninterest expense to average assets | 2.1824% | 4,817 |
| Loan and lease loss provision to assets | 0.2164% | 1,029 |
| Net operating income to assets | 0.4204% | 4,873 |
| Return on assets (ROA) | 0.4596% | 4,853 |
| Pretax return on assets | 0.6617% | 4,616 |
| Return on Equity (ROE) | 3.5012% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.5012% | 3,439 |
| Net charge-offs to loans | 0.1897% | 1,461 |
| Credit loss provision to net charge-offs | 150.9113% | 1,811 |
| Earnings coverage of net charge-offs (x) | 5.7278% | 3,298 |
| Efficiency ratio | 70.8492% | 2,772 |
| Assets per employee ($millions) | 10.8209% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 4,481 |
| Loan loss allowance to noncurrent loans | 208.7276% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 3,824 |
| Noncurrent loans to loans | 0.4643% | 3,492 |
| Net loans and leases to total assets | 77.6621% | 1,255 |
| Net loans and leases to deposits | 101.7751% | 546 |
| Net loans and leases to core deposits | 127.0416% | 327 |
| Total domestic deposits to total assets | 76.3076% | 5,210 |
| Equity capital to assets | 12.2701% | 1,650 |
| Core capital (leverage) ratio | 12.5276% | 1,321 |
| Tier 1 risk-based capital ratio | 15.2900% | 2,843 |
| Total risk-based capital ratio | 16.2628% | 2,895 |
| Memoranda: | ||
| Average total assets | $2,257,328,800 | 364 |
| Average earning assets | $2,126,787,400 | 355 |
| Average equity | $296,297,400 | 325 |
| Average total loans | $1,706,738,600 | 341 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2209% | 5,331 |
| Cost of funding earning assets | 0.5845% | 1,460 |
| Net interest margin | 2.6364% | 5,559 |
| Noninterest income to average assets | 0.4436% | 3,601 |
| Noninterest expense to average assets | 2.2000% | 4,770 |
| Loan and lease loss provision to assets | 0.2393% | 805 |
| Net operating income to assets | 0.3044% | 5,274 |
| Return on assets (ROA) | 0.3424% | 5,265 |
| Pretax return on assets | 0.5436% | 5,026 |
| Return on Equity (ROE) | 2.5622% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.5622% | 4,377 |
| Net charge-offs to loans | 0.2691% | 858 |
| Credit loss provision to net charge-offs | 118.8589% | 2,102 |
| Earnings coverage of net charge-offs (x) | 3.5931% | 3,386 |
| Efficiency ratio | 73.2765% | 2,392 |
| Assets per employee ($millions) | 10.3162% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 4,368 |
| Loan loss allowance to noncurrent loans | 225.8886% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 4,049 |
| Noncurrent loans to loans | 0.4455% | 3,685 |
| Net loans and leases to total assets | 75.4732% | 1,616 |
| Net loans and leases to deposits | 99.1430% | 762 |
| Net loans and leases to core deposits | 119.0217% | 538 |
| Total domestic deposits to total assets | 76.1256% | 5,225 |
| Equity capital to assets | 13.0514% | 1,464 |
| Core capital (leverage) ratio | 12.8833% | 1,234 |
| Tier 1 risk-based capital ratio | 16.0209% | 2,616 |
| Total risk-based capital ratio | 16.9994% | 2,658 |
| Memoranda: | ||
| Average total assets | $2,204,867,750 | 369 |
| Average earning assets | $2,074,066,000 | 362 |
| Average equity | $294,690,750 | 326 |
| Average total loans | $1,649,721,250 | 350 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1771% | 5,466 |
| Cost of funding earning assets | 0.5784% | 1,478 |
| Net interest margin | 2.5987% | 5,666 |
| Noninterest income to average assets | 0.3471% | 4,298 |
| Noninterest expense to average assets | 2.1881% | 4,868 |
| Loan and lease loss provision to assets | 0.1001% | 2,167 |
| Net operating income to assets | 0.3297% | 5,237 |
| Return on assets (ROA) | 0.3553% | 5,254 |
| Pretax return on assets | 0.5421% | 5,042 |
| Return on Equity (ROE) | 2.6362% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.6362% | 4,219 |
| Net charge-offs to loans | 0.0136% | 3,265 |
| Credit loss provision to net charge-offs | 987.2727% | 386 |
| Earnings coverage of net charge-offs (x) | 59.5182% | 890 |
| Efficiency ratio | 76.2012% | 2,053 |
| Assets per employee ($millions) | 9.6901% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 4,114 |
| Loan loss allowance to noncurrent loans | 120.6715% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 2,993 |
| Noncurrent loans to loans | 0.8856% | 2,521 |
| Net loans and leases to total assets | 74.7693% | 1,692 |
| Net loans and leases to deposits | 99.2737% | 757 |
| Net loans and leases to core deposits | 117.3501% | 597 |
| Total domestic deposits to total assets | 75.3164% | 5,373 |
| Equity capital to assets | 13.2896% | 1,334 |
| Core capital (leverage) ratio | 13.1006% | 1,118 |
| Tier 1 risk-based capital ratio | 16.0819% | 2,602 |
| Total risk-based capital ratio | 17.0995% | 2,652 |
| Memoranda: | ||
| Average total assets | $2,169,544,670 | 378 |
| Average earning assets | $2,040,839,670 | 367 |
| Average equity | $292,389,000 | 325 |
| Average total loans | $1,612,364,000 | 351 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 5,483 |
| Cost of funding earning assets | 0.5698% | 1,541 |
| Net interest margin | 2.6284% | 5,697 |
| Noninterest income to average assets | 0.3037% | 4,553 |
| Noninterest expense to average assets | 2.1380% | 5,035 |
| Loan and lease loss provision to assets | -0.0051% | 5,875 |
| Net operating income to assets | 0.4268% | 4,916 |
| Return on assets (ROA) | 0.3966% | 5,080 |
| Pretax return on assets | 0.5982% | 4,828 |
| Return on Equity (ROE) | 2.9216% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.9216% | 4,057 |
| Net charge-offs to loans | 0.0229% | 2,475 |
| Credit loss provision to net charge-offs | -30.0000% | 4,115 |
| Earnings coverage of net charge-offs (x) | 37.8889% | 1,047 |
| Efficiency ratio | 74.6863% | 2,376 |
| Assets per employee ($millions) | 9.8636% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 4,248 |
| Loan loss allowance to noncurrent loans | 155.2418% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 3,581 |
| Noncurrent loans to loans | 0.6874% | 3,129 |
| Net loans and leases to total assets | 72.8987% | 1,896 |
| Net loans and leases to deposits | 99.7005% | 644 |
| Net loans and leases to core deposits | 118.3018% | 516 |
| Total domestic deposits to total assets | 73.1176% | 5,690 |
| Equity capital to assets | 13.5505% | 1,164 |
| Core capital (leverage) ratio | 13.2627% | 1,064 |
| Tier 1 risk-based capital ratio | 16.3914% | 2,520 |
| Total risk-based capital ratio | 17.3767% | 2,574 |
| Memoranda: | ||
| Average total assets | $2,135,111,500 | 380 |
| Average earning assets | $2,008,961,500 | 370 |
| Average equity | $289,846,000 | 326 |
| Average total loans | $1,572,684,000 | 357 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3172% | 5,313 |
| Cost of funding earning assets | 0.4976% | 2,177 |
| Net interest margin | 2.8196% | 5,477 |
| Noninterest income to average assets | 0.3583% | 4,339 |
| Noninterest expense to average assets | 2.2554% | 4,908 |
| Loan and lease loss provision to assets | 0.2183% | 946 |
| Net operating income to assets | 0.3543% | 5,199 |
| Return on assets (ROA) | 0.4248% | 5,052 |
| Pretax return on assets | 0.6357% | 4,717 |
| Return on Equity (ROE) | 2.7668% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.7668% | 4,105 |
| Net charge-offs to loans | -0.0030% | 4,910 |
| Credit loss provision to net charge-offs | -10,222.5000% | 5,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2159% | 2,870 |
| Assets per employee ($millions) | 10.0962% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 4,046 |
| Loan loss allowance to noncurrent loans | 157.4335% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 3,583 |
| Noncurrent loans to loans | 0.6992% | 3,101 |
| Net loans and leases to total assets | 72.8203% | 1,917 |
| Net loans and leases to deposits | 99.7771% | 685 |
| Net loans and leases to core deposits | 118.5345% | 521 |
| Total domestic deposits to total assets | 72.9829% | 5,727 |
| Equity capital to assets | 13.6006% | 1,088 |
| Core capital (leverage) ratio | 14.0152% | 814 |
| Tier 1 risk-based capital ratio | 17.0727% | 2,255 |
| Total risk-based capital ratio | 18.1184% | 2,284 |
| Memoranda: | ||
| Average total assets | $1,872,865,600 | 395 |
| Average earning assets | $1,757,529,600 | 386 |
| Average equity | $287,515,800 | 312 |
| Average total loans | $1,314,377,400 | 387 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2351% | 5,532 |
| Cost of funding earning assets | 0.4900% | 2,317 |
| Net interest margin | 2.7451% | 5,670 |
| Noninterest income to average assets | 0.3331% | 4,557 |
| Noninterest expense to average assets | 2.2286% | 4,969 |
| Loan and lease loss provision to assets | 0.1574% | 1,370 |
| Net operating income to assets | 0.3873% | 5,206 |
| Return on assets (ROA) | 0.4878% | 4,924 |
| Pretax return on assets | 0.6532% | 4,817 |
| Return on Equity (ROE) | 3.0754% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.0754% | 4,261 |
| Net charge-offs to loans | 0.0034% | 4,063 |
| Credit loss provision to net charge-offs | 6,690.6250% | 58 |
| Earnings coverage of net charge-offs (x) | 287.5641% | 247 |
| Efficiency ratio | 73.5702% | 2,623 |
| Assets per employee ($millions) | 9.4678% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 4,309 |
| Loan loss allowance to noncurrent loans | 301.7003% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 4,735 |
| Noncurrent loans to loans | 0.3599% | 4,326 |
| Net loans and leases to total assets | 71.1270% | 2,211 |
| Net loans and leases to deposits | 93.9737% | 1,208 |
| Net loans and leases to core deposits | 107.3146% | 1,015 |
| Total domestic deposits to total assets | 75.6882% | 5,540 |
| Equity capital to assets | 14.8925% | 765 |
| Core capital (leverage) ratio | 14.9832% | 637 |
| Tier 1 risk-based capital ratio | 18.2200% | 1,978 |
| Total risk-based capital ratio | 19.2102% | 2,001 |
| Memoranda: | ||
| Average total assets | $1,813,557,750 | 404 |
| Average earning assets | $1,699,217,000 | 398 |
| Average equity | $287,648,500 | 315 |
| Average total loans | $1,254,551,750 | 401 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1085% | 5,734 |
| Cost of funding earning assets | 0.4857% | 2,384 |
| Net interest margin | 2.6228% | 5,859 |
| Noninterest income to average assets | 0.3468% | 4,477 |
| Noninterest expense to average assets | 2.2685% | 4,930 |
| Loan and lease loss provision to assets | 0.0928% | 2,268 |
| Net operating income to assets | 0.3338% | 5,348 |
| Return on assets (ROA) | 0.4696% | 4,992 |
| Pretax return on assets | 0.6192% | 4,931 |
| Return on Equity (ROE) | 2.8966% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.8966% | 4,196 |
| Net charge-offs to loans | 0.0030% | 3,801 |
| Credit loss provision to net charge-offs | 4,572.2222% | 96 |
| Earnings coverage of net charge-offs (x) | 262.8333% | 260 |
| Efficiency ratio | 77.5426% | 2,133 |
| Assets per employee ($millions) | 9.0736% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 4,422 |
| Loan loss allowance to noncurrent loans | 279.0561% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 4,792 |
| Noncurrent loans to loans | 0.3882% | 4,319 |
| Net loans and leases to total assets | 68.3016% | 2,603 |
| Net loans and leases to deposits | 90.0514% | 1,592 |
| Net loans and leases to core deposits | 102.2490% | 1,311 |
| Total domestic deposits to total assets | 75.8474% | 5,615 |
| Equity capital to assets | 15.6515% | 577 |
| Core capital (leverage) ratio | 15.6595% | 520 |
| Tier 1 risk-based capital ratio | 19.3969% | 1,695 |
| Total risk-based capital ratio | 20.4521% | 1,714 |
| Memoranda: | ||
| Average total assets | $1,774,268,000 | 412 |
| Average earning assets | $1,660,742,670 | 405 |
| Average equity | $287,652,000 | 319 |
| Average total loans | $1,209,786,330 | 415 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1226% | 5,756 |
| Cost of funding earning assets | 0.4969% | 2,314 |
| Net interest margin | 2.6257% | 5,894 |
| Noninterest income to average assets | 0.1990% | 5,523 |
| Noninterest expense to average assets | 2.3114% | 4,849 |
| Loan and lease loss provision to assets | 0.0641% | 2,647 |
| Net operating income to assets | 0.2035% | 5,677 |
| Return on assets (ROA) | 0.4307% | 5,066 |
| Pretax return on assets | 0.5773% | 4,977 |
| Return on Equity (ROE) | 2.6088% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.6088% | 4,375 |
| Net charge-offs to loans | 0.0044% | 3,172 |
| Credit loss provision to net charge-offs | 2,146.1538% | 187 |
| Earnings coverage of net charge-offs (x) | 113.3077% | 445 |
| Efficiency ratio | 83.4258% | 1,441 |
| Assets per employee ($millions) | 8.6049% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 4,483 |
| Loan loss allowance to noncurrent loans | 277.7591% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 4,862 |
| Noncurrent loans to loans | 0.3982% | 4,395 |
| Net loans and leases to total assets | 67.4272% | 2,543 |
| Net loans and leases to deposits | 87.9754% | 1,614 |
| Net loans and leases to core deposits | 98.4072% | 1,441 |
| Total domestic deposits to total assets | 76.6432% | 5,671 |
| Equity capital to assets | 16.4726% | 487 |
| Core capital (leverage) ratio | 15.8753% | 479 |
| Tier 1 risk-based capital ratio | 19.9949% | 1,620 |
| Total risk-based capital ratio | 21.0539% | 1,629 |
| Memoranda: | ||
| Average total assets | $1,740,430,000 | 424 |
| Average earning assets | $1,624,538,000 | 416 |
| Average equity | $287,332,000 | 316 |
| Average total loans | $1,178,752,000 | 423 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2796% | 5,732 |
| Cost of funding earning assets | 0.4591% | 3,086 |
| Net interest margin | 2.8204% | 5,774 |
| Noninterest income to average assets | 0.4379% | 3,915 |
| Noninterest expense to average assets | 2.4830% | 4,603 |
| Loan and lease loss provision to assets | 0.2102% | 1,189 |
| Net operating income to assets | 0.2635% | 5,612 |
| Return on assets (ROA) | 0.3714% | 5,387 |
| Pretax return on assets | 0.5366% | 5,156 |
| Return on Equity (ROE) | 2.9746% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.9746% | 4,124 |
| Net charge-offs to loans | 0.0078% | 4,767 |
| Credit loss provision to net charge-offs | 4,333.3333% | 71 |
| Earnings coverage of net charge-offs (x) | 121.6923% | 432 |
| Efficiency ratio | 77.1309% | 2,339 |
| Assets per employee ($millions) | 8.5419% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 4,458 |
| Loan loss allowance to noncurrent loans | 289.5113% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 4,991 |
| Noncurrent loans to loans | 0.3861% | 4,484 |
| Net loans and leases to total assets | 66.5142% | 2,806 |
| Net loans and leases to deposits | 85.7488% | 2,017 |
| Net loans and leases to core deposits | 93.8114% | 1,937 |
| Total domestic deposits to total assets | 77.5687% | 5,512 |
| Equity capital to assets | 16.5465% | 476 |
| Core capital (leverage) ratio | 15.9223% | 475 |
| Tier 1 risk-based capital ratio | 21.5668% | 1,297 |
| Total risk-based capital ratio | 22.6815% | 1,295 |
| Memoranda: | ||
| Average total assets | $1,607,864,000 | 436 |
| Average earning assets | $1,502,430,600 | 423 |
| Average equity | $200,765,600 | 402 |
| Average total loans | $1,002,593,600 | 457 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 5,963 |
| Cost of funding earning assets | 0.4500% | 3,248 |
| Net interest margin | 2.6931% | 6,013 |
| Noninterest income to average assets | 0.4376% | 3,971 |
| Noninterest expense to average assets | 2.5354% | 4,411 |
| Loan and lease loss provision to assets | 0.2627% | 811 |
| Net operating income to assets | 0.1162% | 6,003 |
| Return on assets (ROA) | 0.2445% | 5,809 |
| Pretax return on assets | 0.3333% | 5,709 |
| Return on Equity (ROE) | 2.1494% | 5,803 |
| Retained earnings to average equity (ytd only) | 2.1494% | 4,983 |
| Net charge-offs to loans | 0.0083% | 4,423 |
| Credit loss provision to net charge-offs | 5,183.3333% | 74 |
| Earnings coverage of net charge-offs (x) | 82.8979% | 688 |
| Efficiency ratio | 81.9348% | 1,629 |
| Assets per employee ($millions) | 8.5047% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 4,626 |
| Loan loss allowance to noncurrent loans | 295.2193% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 5,218 |
| Noncurrent loans to loans | 0.3820% | 4,768 |
| Net loans and leases to total assets | 66.2400% | 2,816 |
| Net loans and leases to deposits | 87.2473% | 1,759 |
| Net loans and leases to core deposits | 96.9764% | 1,593 |
| Total domestic deposits to total assets | 75.9221% | 5,827 |
| Equity capital to assets | 16.8722% | 442 |
| Core capital (leverage) ratio | 15.8267% | 502 |
| Tier 1 risk-based capital ratio | 22.0213% | 1,258 |
| Total risk-based capital ratio | 23.2459% | 1,242 |
| Memoranda: | ||
| Average total assets | $1,578,466,000 | 443 |
| Average earning assets | $1,475,805,500 | 430 |
| Average equity | $179,581,250 | 438 |
| Average total loans | $963,080,250 | 466 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0087% | 6,168 |
| Cost of funding earning assets | 0.4611% | 3,197 |
| Net interest margin | 2.5476% | 6,223 |
| Noninterest income to average assets | 0.2793% | 5,193 |
| Noninterest expense to average assets | 2.6569% | 4,027 |
| Loan and lease loss provision to assets | 0.2167% | 1,086 |
| Net operating income to assets | -0.1733% | 6,301 |
| Return on assets (ROA) | 0.0512% | 6,157 |
| Pretax return on assets | 0.0135% | 6,185 |
| Return on Equity (ROE) | 0.5458% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.5458% | 5,519 |
| Net charge-offs to loans | 0.0112% | 4,031 |
| Credit loss provision to net charge-offs | 3,278.4314% | 109 |
| Earnings coverage of net charge-offs (x) | 0.8627% | 3,951 |
| Efficiency ratio | 95.5904% | 575 |
| Assets per employee ($millions) | 8.5212% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 4,897 |
| Loan loss allowance to noncurrent loans | 250.7662% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 5,353 |
| Noncurrent loans to loans | 0.4396% | 4,667 |
| Net loans and leases to total assets | 55.5475% | 4,342 |
| Net loans and leases to deposits | 69.0469% | 3,933 |
| Net loans and leases to core deposits | 75.8337% | 3,640 |
| Total domestic deposits to total assets | 80.4489% | 5,146 |
| Equity capital to assets | 8.1010% | 6,096 |
| Core capital (leverage) ratio | 7.3496% | 6,356 |
| Tier 1 risk-based capital ratio | 11.2305% | 5,942 |
| Total risk-based capital ratio | 12.5146% | 5,868 |
| Memoranda: | ||
| Average total assets | $1,543,310,670 | 447 |
| Average earning assets | $1,443,796,000 | 434 |
| Average equity | $144,736,000 | 506 |
| Average total loans | $908,054,670 | 484 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1056% | 6,110 |
| Cost of funding earning assets | 0.5058% | 2,841 |
| Net interest margin | 2.5998% | 6,242 |
| Noninterest income to average assets | 0.2959% | 4,998 |
| Noninterest expense to average assets | 2.9062% | 3,180 |
| Loan and lease loss provision to assets | 0.2035% | 1,141 |
| Net operating income to assets | -0.2087% | 6,360 |
| Return on assets (ROA) | -0.1100% | 6,302 |
| Pretax return on assets | -0.2332% | 6,362 |
| Return on Equity (ROE) | -1.0779% | 6,306 |
| Retained earnings to average equity (ytd only) | -1.0779% | 5,742 |
| Net charge-offs to loans | 0.0179% | 3,226 |
| Credit loss provision to net charge-offs | 1,878.9474% | 179 |
| Earnings coverage of net charge-offs (x) | -16.9737% | 3,614 |
| Efficiency ratio | 103.0576% | 397 |
| Assets per employee ($millions) | 7.5087% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 5,035 |
| Loan loss allowance to noncurrent loans | 268.1005% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 5,412 |
| Noncurrent loans to loans | 0.4173% | 4,886 |
| Net loans and leases to total assets | 60.8940% | 3,415 |
| Net loans and leases to deposits | 79.6047% | 2,350 |
| Net loans and leases to core deposits | 84.8172% | 2,435 |
| Total domestic deposits to total assets | 76.4955% | 6,028 |
| Equity capital to assets | 9.5998% | 4,353 |
| Core capital (leverage) ratio | 9.2430% | 4,658 |
| Tier 1 risk-based capital ratio | 11.7597% | 5,785 |
| Total risk-based capital ratio | 12.9698% | 5,745 |
| Memoranda: | ||
| Average total assets | $1,403,193,500 | 486 |
| Average earning assets | $1,309,624,000 | 477 |
| Average equity | $143,241,500 | 513 |
| Average total loans | $849,969,500 | 515 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9180% | 6,412 |
| Cost of funding earning assets | 0.7033% | 1,790 |
| Net interest margin | 2.2147% | 6,571 |
| Noninterest income to average assets | 0.6500% | 2,808 |
| Noninterest expense to average assets | 2.5643% | 4,575 |
| Loan and lease loss provision to assets | 0.3322% | 976 |
| Net operating income to assets | -0.1873% | 6,359 |
| Return on assets (ROA) | 0.2184% | 5,838 |
| Pretax return on assets | 0.1965% | 5,942 |
| Return on Equity (ROE) | 1.8648% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.8648% | 4,909 |
| Net charge-offs to loans | -0.0044% | 5,914 |
| Credit loss provision to net charge-offs | -15,162.9630% | 6,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4219% | 672 |
| Assets per employee ($millions) | 8.8751% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 4,398 |
| Loan loss allowance to noncurrent loans | 598.5149% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 5,952 |
| Noncurrent loans to loans | 0.2085% | 5,559 |
| Net loans and leases to total assets | 58.6712% | 3,925 |
| Net loans and leases to deposits | 81.6791% | 2,223 |
| Net loans and leases to core deposits | 94.7201% | 1,545 |
| Total domestic deposits to total assets | 71.8314% | 6,431 |
| Equity capital to assets | 10.9086% | 2,696 |
| Core capital (leverage) ratio | 11.1079% | 2,285 |
| Tier 1 risk-based capital ratio | 15.2619% | 3,508 |
| Total risk-based capital ratio | 16.5725% | 3,421 |
| Memoranda: | ||
| Average total assets | $1,232,234,600 | 531 |
| Average earning assets | $1,133,554,000 | 525 |
| Average equity | $144,304,600 | 504 |
| Average total loans | $606,779,800 | 688 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7726% | 6,586 |
| Cost of funding earning assets | 0.7423% | 1,650 |
| Net interest margin | 2.0303% | 6,719 |
| Noninterest income to average assets | 0.7378% | 2,424 |
| Noninterest expense to average assets | 2.4870% | 4,765 |
| Loan and lease loss provision to assets | 0.3395% | 958 |
| Net operating income to assets | -0.2181% | 6,481 |
| Return on assets (ROA) | 0.3630% | 5,529 |
| Pretax return on assets | 0.3847% | 5,668 |
| Return on Equity (ROE) | 3.0441% | 5,589 |
| Retained earnings to average equity (ytd only) | 3.0441% | 4,498 |
| Net charge-offs to loans | -0.0092% | 5,875 |
| Credit loss provision to net charge-offs | -7,928.2051% | 6,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9131% | 631 |
| Assets per employee ($millions) | 8.2892% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 4,522 |
| Loan loss allowance to noncurrent loans | 791.3400% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 6,169 |
| Noncurrent loans to loans | 0.1609% | 5,833 |
| Net loans and leases to total assets | 55.6016% | 4,376 |
| Net loans and leases to deposits | 71.3323% | 3,594 |
| Net loans and leases to core deposits | 74.4935% | 3,787 |
| Total domestic deposits to total assets | 77.9474% | 5,915 |
| Equity capital to assets | 11.7966% | 2,050 |
| Core capital (leverage) ratio | 11.4910% | 2,052 |
| Tier 1 risk-based capital ratio | 16.6569% | 2,876 |
| Total risk-based capital ratio | 17.9464% | 2,816 |
| Memoranda: | ||
| Average total assets | $1,214,131,500 | 541 |
| Average earning assets | $1,109,339,250 | 536 |
| Average equity | $144,801,000 | 509 |
| Average total loans | $564,693,750 | 736 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7492% | 6,631 |
| Cost of funding earning assets | 0.7626% | 1,633 |
| Net interest margin | 1.9865% | 6,768 |
| Noninterest income to average assets | 0.7879% | 2,249 |
| Noninterest expense to average assets | 2.4768% | 4,811 |
| Loan and lease loss provision to assets | 0.3219% | 1,086 |
| Net operating income to assets | -0.1856% | 6,487 |
| Return on assets (ROA) | 0.4408% | 5,226 |
| Pretax return on assets | 0.5078% | 5,343 |
| Return on Equity (ROE) | 3.6830% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.6830% | 3,963 |
| Net charge-offs to loans | -0.0441% | 6,221 |
| Credit loss provision to net charge-offs | -1,686.2069% | 6,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7628% | 667 |
| Assets per employee ($millions) | 8.1159% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 4,385 |
| Loan loss allowance to noncurrent loans | 334.7387% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 5,947 |
| Noncurrent loans to loans | 0.3954% | 5,281 |
| Net loans and leases to total assets | 45.7596% | 5,559 |
| Net loans and leases to deposits | 63.8541% | 4,527 |
| Net loans and leases to core deposits | 68.1239% | 4,480 |
| Total domestic deposits to total assets | 71.6627% | 6,578 |
| Equity capital to assets | 11.3546% | 2,422 |
| Core capital (leverage) ratio | 12.1469% | 1,538 |
| Tier 1 risk-based capital ratio | 15.8598% | 3,285 |
| Total risk-based capital ratio | 16.8485% | 3,379 |
| Memoranda: | ||
| Average total assets | $1,215,436,000 | 541 |
| Average earning assets | $1,100,408,000 | 541 |
| Average equity | $145,480,000 | 509 |
| Average total loans | $525,731,000 | 795 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6813% | 6,740 |
| Cost of funding earning assets | 0.7719% | 1,696 |
| Net interest margin | 1.9093% | 6,871 |
| Noninterest income to average assets | 0.3939% | 4,511 |
| Noninterest expense to average assets | 2.4723% | 4,854 |
| Loan and lease loss provision to assets | 0.2875% | 1,219 |
| Net operating income to assets | -0.4110% | 6,633 |
| Return on assets (ROA) | 0.5167% | 4,721 |
| Pretax return on assets | 0.7928% | 4,195 |
| Return on Equity (ROE) | 4.2052% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.2052% | 3,700 |
| Net charge-offs to loans | 0.0160% | 3,835 |
| Credit loss provision to net charge-offs | 4,320.0000% | 68 |
| Earnings coverage of net charge-offs (x) | -52.1500% | 4,136 |
| Efficiency ratio | 116.3275% | 246 |
| Assets per employee ($millions) | 8.3895% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 4,892 |
| Loan loss allowance to noncurrent loans | 267.3077% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 5,969 |
| Noncurrent loans to loans | 0.4717% | 5,245 |
| Net loans and leases to total assets | 41.7391% | 5,866 |
| Net loans and leases to deposits | 57.0342% | 5,136 |
| Net loans and leases to core deposits | 60.9777% | 5,060 |
| Total domestic deposits to total assets | 73.1824% | 6,588 |
| Equity capital to assets | 12.3599% | 1,795 |
| Core capital (leverage) ratio | 12.5865% | 1,302 |
| Tier 1 risk-based capital ratio | 17.2068% | 2,675 |
| Total risk-based capital ratio | 18.2508% | 2,723 |
| Memoranda: | ||
| Average total assets | $1,202,288,500 | 553 |
| Average earning assets | $1,090,233,500 | 548 |
| Average equity | $147,723,500 | 508 |
| Average total loans | $500,680,000 | 848 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2066% | 6,657 |
| Cost of funding earning assets | 0.8472% | 2,310 |
| Net interest margin | 2.3595% | 6,808 |
| Noninterest income to average assets | 0.4274% | 4,401 |
| Noninterest expense to average assets | 2.4091% | 5,381 |
| Loan and lease loss provision to assets | 0.2191% | 2,942 |
| Net operating income to assets | -0.0296% | 6,213 |
| Return on assets (ROA) | 0.7391% | 3,806 |
| Pretax return on assets | 1.0610% | 3,316 |
| Return on Equity (ROE) | 5.0727% | 4,648 |
| Retained earnings to average equity (ytd only) | -7.6647% | 6,556 |
| Net charge-offs to loans | 0.0816% | 4,859 |
| Credit loss provision to net charge-offs | 756.7308% | 323 |
| Earnings coverage of net charge-offs (x) | 6.2788% | 2,844 |
| Efficiency ratio | 92.9835% | 864 |
| Assets per employee ($millions) | 8.5452% | 397 |
| Cash dividends to net income (ytd only)* | 251.0986% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,462 |
| Loan loss allowance to noncurrent loans | 275.2976% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 6,142 |
| Noncurrent loans to loans | 0.4079% | 5,465 |
| Net loans and leases to total assets | 40.5579% | 6,135 |
| Net loans and leases to deposits | 59.5770% | 5,069 |
| Net loans and leases to core deposits | 63.6302% | 5,001 |
| Total domestic deposits to total assets | 68.0764% | 6,858 |
| Equity capital to assets | 12.2141% | 1,911 |
| Core capital (leverage) ratio | 12.1367% | 1,487 |
| Tier 1 risk-based capital ratio | 17.2552% | 2,539 |
| Total risk-based capital ratio | 18.1431% | 2,667 |
| Memoranda: | ||
| Average total assets | $1,077,605,400 | 607 |
| Average earning assets | $988,105,200 | 595 |
| Average equity | $157,018,400 | 473 |
| Average total loans | $382,473,400 | 1,090 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1811% | 6,806 |
| Cost of funding earning assets | 0.8675% | 2,407 |
| Net interest margin | 2.3136% | 6,938 |
| Noninterest income to average assets | 0.3416% | 5,077 |
| Noninterest expense to average assets | 2.4169% | 5,350 |
| Loan and lease loss provision to assets | 0.1594% | 3,524 |
| Net operating income to assets | -0.0704% | 6,371 |
| Return on assets (ROA) | 0.6640% | 4,340 |
| Pretax return on assets | 1.0103% | 3,671 |
| Return on Equity (ROE) | 4.3540% | 5,124 |
| Retained earnings to average equity (ytd only) | 4.3540% | 3,829 |
| Net charge-offs to loans | 0.1113% | 4,277 |
| Credit loss provision to net charge-offs | 422.2973% | 634 |
| Earnings coverage of net charge-offs (x) | 1.5101% | 4,530 |
| Efficiency ratio | 97.6964% | 613 |
| Assets per employee ($millions) | 8.4182% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,134 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 6,271 |
| Noncurrent loans to loans | 0.4525% | 5,544 |
| Net loans and leases to total assets | 37.7782% | 6,424 |
| Net loans and leases to deposits | 56.7480% | 5,564 |
| Net loans and leases to core deposits | 59.7321% | 5,584 |
| Total domestic deposits to total assets | 66.5718% | 6,964 |
| Equity capital to assets | 14.0735% | 1,131 |
| Core capital (leverage) ratio | 14.2797% | 759 |
| Tier 1 risk-based capital ratio | 21.2880% | 1,453 |
| Total risk-based capital ratio | 22.0640% | 1,535 |
| Memoranda: | ||
| Average total assets | $1,045,787,250 | 633 |
| Average earning assets | $963,831,750 | 616 |
| Average equity | $159,481,750 | 466 |
| Average total loans | $354,536,000 | 1,181 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1619% | 6,901 |
| Cost of funding earning assets | 0.9116% | 2,310 |
| Net interest margin | 2.2503% | 7,029 |
| Noninterest income to average assets | 0.3361% | 5,142 |
| Noninterest expense to average assets | 2.5195% | 5,078 |
| Loan and lease loss provision to assets | 0.0851% | 4,527 |
| Net operating income to assets | -0.1377% | 6,473 |
| Return on assets (ROA) | 0.5440% | 4,887 |
| Pretax return on assets | 0.7479% | 4,668 |
| Return on Equity (ROE) | 3.4622% | 5,503 |
| Retained earnings to average equity (ytd only) | 3.4622% | 4,295 |
| Net charge-offs to loans | 0.0161% | 5,195 |
| Credit loss provision to net charge-offs | 1,638.4615% | 198 |
| Earnings coverage of net charge-offs (x) | -19.4231% | 5,480 |
| Efficiency ratio | 104.1694% | 434 |
| Assets per employee ($millions) | 7.6650% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 6,031 |
| Loan loss allowance to noncurrent loans | 200.4126% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 6,337 |
| Noncurrent loans to loans | 0.5140% | 5,501 |
| Net loans and leases to total assets | 35.0403% | 6,662 |
| Net loans and leases to deposits | 48.8175% | 6,261 |
| Net loans and leases to core deposits | 51.5125% | 6,267 |
| Total domestic deposits to total assets | 71.7783% | 6,811 |
| Equity capital to assets | 14.9708% | 798 |
| Core capital (leverage) ratio | 15.0360% | 593 |
| Tier 1 risk-based capital ratio | 24.4663% | 962 |
| Total risk-based capital ratio | 25.1015% | 1,014 |
| Memoranda: | ||
| Average total assets | $1,001,532,670 | 665 |
| Average earning assets | $926,914,330 | 651 |
| Average equity | $157,354,670 | 470 |
| Average total loans | $322,823,000 | 1,319 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2044% | 6,940 |
| Cost of funding earning assets | 0.9697% | 2,158 |
| Net interest margin | 2.2347% | 7,083 |
| Noninterest income to average assets | 0.4084% | 4,614 |
| Noninterest expense to average assets | 2.5289% | 5,062 |
| Loan and lease loss provision to assets | 0.0883% | 4,261 |
| Net operating income to assets | -0.1087% | 6,551 |
| Return on assets (ROA) | 0.9262% | 3,012 |
| Pretax return on assets | 1.2925% | 2,564 |
| Return on Equity (ROE) | 5.7461% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.7461% | 3,116 |
| Net charge-offs to loans | -0.0704% | 6,667 |
| Credit loss provision to net charge-offs | -411.5385% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2860% | 489 |
| Assets per employee ($millions) | 7.2482% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,450 |
| Loan loss allowance to noncurrent loans | 208.3287% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 6,393 |
| Noncurrent loans to loans | 0.5794% | 5,511 |
| Net loans and leases to total assets | 31.3844% | 6,858 |
| Net loans and leases to deposits | 40.0804% | 6,730 |
| Net loans and leases to core deposits | 42.4341% | 6,725 |
| Total domestic deposits to total assets | 78.3035% | 6,224 |
| Equity capital to assets | 16.3039% | 529 |
| Core capital (leverage) ratio | 15.8841% | 481 |
| Tier 1 risk-based capital ratio | 28.1240% | 630 |
| Total risk-based capital ratio | 28.8767% | 654 |
| Memoranda: | ||
| Average total assets | $969,580,000 | 684 |
| Average earning assets | $895,530,500 | 667 |
| Average equity | $156,279,500 | 468 |
| Average total loans | $295,625,000 | 1,438 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 6,807 |
| Cost of funding earning assets | 1.0439% | 3,072 |
| Net interest margin | 2.6901% | 6,932 |
| Noninterest income to average assets | 0.3629% | 4,913 |
| Noninterest expense to average assets | 2.2653% | 6,136 |
| Loan and lease loss provision to assets | 0.0784% | 5,632 |
| Net operating income to assets | 0.3965% | 4,882 |
| Return on assets (ROA) | 0.8643% | 2,901 |
| Pretax return on assets | 1.1050% | 2,816 |
| Return on Equity (ROE) | 5.3474% | 4,228 |
| Retained earnings to average equity (ytd only) | -1.3302% | 6,062 |
| Net charge-offs to loans | 0.0422% | 5,890 |
| Credit loss provision to net charge-offs | 704.8544% | 311 |
| Earnings coverage of net charge-offs (x) | 52.4951% | 534 |
| Efficiency ratio | 79.5158% | 2,371 |
| Assets per employee ($millions) | 7.8742% | 496 |
| Cash dividends to net income (ytd only)* | 124.8751% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 5,212 |
| Loan loss allowance to noncurrent loans | 195.7327% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 6,460 |
| Noncurrent loans to loans | 0.6352% | 5,446 |
| Net loans and leases to total assets | 28.8255% | 7,040 |
| Net loans and leases to deposits | 36.4488% | 6,985 |
| Net loans and leases to core deposits | 38.8589% | 6,974 |
| Total domestic deposits to total assets | 79.0851% | 5,976 |
| Equity capital to assets | 15.9291% | 586 |
| Core capital (leverage) ratio | 15.0677% | 592 |
| Tier 1 risk-based capital ratio | 27.9179% | 629 |
| Total risk-based capital ratio | 28.5984% | 661 |
| Memoranda: | ||
| Average total assets | $926,533,600 | 700 |
| Average earning assets | $856,250,000 | 683 |
| Average equity | $149,754,200 | 469 |
| Average total loans | $243,825,000 | 1,716 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 7,061 |
| Cost of funding earning assets | 1.0478% | 3,332 |
| Net interest margin | 2.5032% | 7,134 |
| Noninterest income to average assets | 0.3949% | 4,708 |
| Noninterest expense to average assets | 2.1089% | 6,488 |
| Loan and lease loss provision to assets | 0.0526% | 5,792 |
| Net operating income to assets | 0.4089% | 4,956 |
| Return on assets (ROA) | 0.4835% | 4,804 |
| Pretax return on assets | 0.6521% | 4,642 |
| Return on Equity (ROE) | 2.9802% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.9802% | 4,569 |
| Net charge-offs to loans | 0.0562% | 5,411 |
| Credit loss provision to net charge-offs | 365.6566% | 779 |
| Earnings coverage of net charge-offs (x) | 41.9989% | 746 |
| Efficiency ratio | 77.7385% | 2,579 |
| Assets per employee ($millions) | 8.3270% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 5,668 |
| Loan loss allowance to noncurrent loans | 337.2168% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 6,740 |
| Noncurrent loans to loans | 0.3420% | 6,165 |
| Net loans and leases to total assets | 27.7396% | 7,156 |
| Net loans and leases to deposits | 35.4966% | 7,085 |
| Net loans and leases to core deposits | 37.9978% | 7,084 |
| Total domestic deposits to total assets | 78.1472% | 6,163 |
| Equity capital to assets | 16.4846% | 548 |
| Core capital (leverage) ratio | 16.2586% | 472 |
| Tier 1 risk-based capital ratio | 30.2296% | 529 |
| Total risk-based capital ratio | 30.8742% | 550 |
| Memoranda: | ||
| Average total assets | $918,005,000 | 720 |
| Average earning assets | $850,043,500 | 699 |
| Average equity | $148,937,000 | 478 |
| Average total loans | $234,681,750 | 1,799 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 7,112 |
| Cost of funding earning assets | 1.0505% | 3,598 |
| Net interest margin | 2.5278% | 7,172 |
| Noninterest income to average assets | 0.3607% | 4,992 |
| Noninterest expense to average assets | 1.9990% | 6,794 |
| Loan and lease loss provision to assets | 0.0559% | 5,619 |
| Net operating income to assets | 0.4569% | 4,686 |
| Return on assets (ROA) | 0.4687% | 4,786 |
| Pretax return on assets | 0.6610% | 4,529 |
| Return on Equity (ROE) | 2.9057% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.9057% | 4,433 |
| Net charge-offs to loans | -0.0773% | 7,107 |
| Credit loss provision to net charge-offs | -293.0233% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0595% | 3,353 |
| Assets per employee ($millions) | 8.0647% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,304 |
| Loan loss allowance to noncurrent loans | 271.5013% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 6,770 |
| Noncurrent loans to loans | 0.4606% | 5,990 |
| Net loans and leases to total assets | 27.7370% | 7,249 |
| Net loans and leases to deposits | 35.0632% | 7,188 |
| Net loans and leases to core deposits | 37.8137% | 7,175 |
| Total domestic deposits to total assets | 79.1058% | 6,061 |
| Equity capital to assets | 16.2291% | 585 |
| Core capital (leverage) ratio | 15.7078% | 538 |
| Tier 1 risk-based capital ratio | 30.6801% | 501 |
| Total risk-based capital ratio | 31.4081% | 515 |
| Memoranda: | ||
| Average total assets | $902,030,330 | 739 |
| Average earning assets | $834,470,670 | 722 |
| Average equity | $145,506,000 | 486 |
| Average total loans | $222,552,000 | 1,891 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 7,177 |
| Cost of funding earning assets | 1.0976% | 3,540 |
| Net interest margin | 2.4522% | 7,227 |
| Noninterest income to average assets | 0.3178% | 5,381 |
| Noninterest expense to average assets | 1.9216% | 6,954 |
| Loan and lease loss provision to assets | 0.0004% | 5,839 |
| Net operating income to assets | 0.4558% | 4,689 |
| Return on assets (ROA) | 0.4591% | 4,750 |
| Pretax return on assets | 0.6722% | 4,406 |
| Return on Equity (ROE) | 2.8550% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.8550% | 4,455 |
| Net charge-offs to loans | -0.2099% | 7,266 |
| Credit loss provision to net charge-offs | -0.9259% | 5,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2124% | 3,479 |
| Assets per employee ($millions) | 8.0410% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 4,496 |
| Loan loss allowance to noncurrent loans | 205.3905% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 6,754 |
| Noncurrent loans to loans | 0.6996% | 5,620 |
| Net loans and leases to total assets | 23.0484% | 7,386 |
| Net loans and leases to deposits | 27.8801% | 7,390 |
| Net loans and leases to core deposits | 30.2090% | 7,374 |
| Total domestic deposits to total assets | 82.6699% | 5,037 |
| Equity capital to assets | 16.3160% | 521 |
| Core capital (leverage) ratio | 15.3314% | 600 |
| Tier 1 risk-based capital ratio | 35.9136% | 328 |
| Total risk-based capital ratio | 36.7206% | 329 |
| Memoranda: | ||
| Average total assets | $897,391,000 | 747 |
| Average earning assets | $831,262,000 | 727 |
| Average equity | $144,310,500 | 488 |
| Average total loans | $205,842,500 | 2,044 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 7,139 |
| Cost of funding earning assets | 1.4258% | 3,097 |
| Net interest margin | 2.5693% | 7,229 |
| Noninterest income to average assets | 0.3916% | 4,964 |
| Noninterest expense to average assets | 1.9243% | 7,124 |
| Loan and lease loss provision to assets | 0.0692% | 6,456 |
| Net operating income to assets | 0.6923% | 3,261 |
| Return on assets (ROA) | 3.1772% | 70 |
| Pretax return on assets | 3.5625% | 85 |
| Return on Equity (ROE) | 21.4651% | 178 |
| Retained earnings to average equity (ytd only) | 21.4651% | 41 |
| Net charge-offs to loans | 0.3934% | 4,066 |
| Credit loss provision to net charge-offs | 75.7143% | 5,707 |
| Earnings coverage of net charge-offs (x) | 9.1893% | 1,856 |
| Efficiency ratio | 69.6234% | 4,258 |
| Assets per employee ($millions) | 8.8376% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 4,520 |
| Loan loss allowance to noncurrent loans | 179.3860% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 6,745 |
| Noncurrent loans to loans | 0.7791% | 5,484 |
| Net loans and leases to total assets | 22.1894% | 7,496 |
| Net loans and leases to deposits | 26.7018% | 7,504 |
| Net loans and leases to core deposits | 28.9164% | 7,485 |
| Total domestic deposits to total assets | 83.1007% | 4,753 |
| Equity capital to assets | 15.8529% | 605 |
| Core capital (leverage) ratio | 15.1564% | 638 |
| Tier 1 risk-based capital ratio | 34.8402% | 352 |
| Total risk-based capital ratio | 35.5989% | 356 |
| Memoranda: | ||
| Average total assets | $919,420,600 | 731 |
| Average earning assets | $848,901,400 | 717 |
| Average equity | $136,090,400 | 508 |
| Average total loans | $213,513,000 | 2,030 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 7,216 |
| Cost of funding earning assets | 1.4700% | 3,145 |
| Net interest margin | 2.6119% | 7,307 |
| Noninterest income to average assets | 0.3677% | 5,211 |
| Noninterest expense to average assets | 1.4807% | 7,554 |
| Loan and lease loss provision to assets | 0.0343% | 6,737 |
| Net operating income to assets | 0.8235% | 2,906 |
| Return on assets (ROA) | 0.8799% | 2,833 |
| Pretax return on assets | 1.3479% | 2,036 |
| Return on Equity (ROE) | 6.0509% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.0509% | 2,324 |
| Net charge-offs to loans | 0.5384% | 3,147 |
| Credit loss provision to net charge-offs | 27.2101% | 6,182 |
| Earnings coverage of net charge-offs (x) | 10.2813% | 1,903 |
| Efficiency ratio | 53.3375% | 6,855 |
| Assets per employee ($millions) | 9.0215% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 5,741 |
| Loan loss allowance to noncurrent loans | 142.3640% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 6,900 |
| Noncurrent loans to loans | 0.8027% | 5,608 |
| Net loans and leases to total assets | 22.6505% | 7,582 |
| Net loans and leases to deposits | 27.4296% | 7,596 |
| Net loans and leases to core deposits | 29.7654% | 7,582 |
| Total domestic deposits to total assets | 82.5769% | 4,761 |
| Equity capital to assets | 15.2131% | 842 |
| Core capital (leverage) ratio | 12.5972% | 1,371 |
| Tier 1 risk-based capital ratio | 25.5453% | 813 |
| Total risk-based capital ratio | 28.5639% | 664 |
| Memoranda: | ||
| Average total assets | $921,708,000 | 727 |
| Average earning assets | $849,875,500 | 713 |
| Average equity | $134,037,000 | 500 |
| Average total loans | $215,679,500 | 2,040 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 7,226 |
| Cost of funding earning assets | 1.5150% | 3,171 |
| Net interest margin | 2.6419% | 7,311 |
| Noninterest income to average assets | 0.3597% | 5,275 |
| Noninterest expense to average assets | 1.4138% | 7,659 |
| Loan and lease loss provision to assets | 0.0513% | 6,456 |
| Net operating income to assets | 0.8811% | 2,617 |
| Return on assets (ROA) | 0.8977% | 2,682 |
| Pretax return on assets | 1.3590% | 1,923 |
| Return on Equity (ROE) | 6.2707% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.2707% | 2,188 |
| Net charge-offs to loans | 0.6076% | 2,714 |
| Credit loss provision to net charge-offs | 35.8663% | 5,660 |
| Earnings coverage of net charge-offs (x) | 9.6748% | 1,988 |
| Efficiency ratio | 50.5131% | 7,193 |
| Assets per employee ($millions) | 9.3383% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 5,400 |
| Loan loss allowance to noncurrent loans | 137.5455% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 6,882 |
| Noncurrent loans to loans | 0.8794% | 5,512 |
| Net loans and leases to total assets | 23.3669% | 7,649 |
| Net loans and leases to deposits | 28.0037% | 7,664 |
| Net loans and leases to core deposits | 30.3319% | 7,653 |
| Total domestic deposits to total assets | 83.4421% | 4,370 |
| Equity capital to assets | 14.6216% | 969 |
| Core capital (leverage) ratio | 12.2544% | 1,517 |
| Tier 1 risk-based capital ratio | 24.5829% | 884 |
| Total risk-based capital ratio | 27.1612% | 763 |
| Memoranda: | ||
| Average total assets | $919,206,000 | 728 |
| Average earning assets | $848,702,670 | 709 |
| Average equity | $131,595,330 | 507 |
| Average total loans | $216,604,330 | 2,063 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 7,271 |
| Cost of funding earning assets | 1.5314% | 3,368 |
| Net interest margin | 2.6633% | 7,332 |
| Noninterest income to average assets | 0.3286% | 5,514 |
| Noninterest expense to average assets | 1.4589% | 7,735 |
| Loan and lease loss provision to assets | 0.0436% | 6,233 |
| Net operating income to assets | 0.9136% | 2,495 |
| Return on assets (ROA) | 0.9195% | 2,541 |
| Pretax return on assets | 1.2927% | 2,070 |
| Return on Equity (ROE) | 6.4928% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.4928% | 2,364 |
| Net charge-offs to loans | 0.0056% | 5,536 |
| Credit loss provision to net charge-offs | 3,333.3333% | 140 |
| Earnings coverage of net charge-offs (x) | 1,014.3333% | 17 |
| Efficiency ratio | 52.3489% | 7,117 |
| Assets per employee ($millions) | 9.7612% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 4,139 |
| Loan loss allowance to noncurrent loans | 210.6525% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 6,981 |
| Noncurrent loans to loans | 0.6923% | 5,946 |
| Net loans and leases to total assets | 23.0562% | 7,740 |
| Net loans and leases to deposits | 27.4784% | 7,763 |
| Net loans and leases to core deposits | 29.9705% | 7,747 |
| Total domestic deposits to total assets | 83.9066% | 4,185 |
| Equity capital to assets | 14.2608% | 1,080 |
| Core capital (leverage) ratio | 12.2624% | 1,515 |
| Tier 1 risk-based capital ratio | 22.8096% | 1,107 |
| Total risk-based capital ratio | 25.7642% | 892 |
| Memoranda: | ||
| Average total assets | $916,565,500 | 745 |
| Average earning assets | $846,030,500 | 727 |
| Average equity | $129,805,500 | 524 |
| Average total loans | $215,572,000 | 2,120 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 7,133 |
| Cost of funding earning assets | 2.0945% | 2,488 |
| Net interest margin | 2.6107% | 7,323 |
| Noninterest income to average assets | 0.3887% | 5,304 |
| Noninterest expense to average assets | 1.4742% | 7,817 |
| Loan and lease loss provision to assets | 0.1363% | 6,281 |
| Net operating income to assets | 0.7464% | 2,738 |
| Return on assets (ROA) | 0.5894% | 3,447 |
| Pretax return on assets | 0.9673% | 2,699 |
| Return on Equity (ROE) | 5.1281% | 3,615 |
| Retained earnings to average equity (ytd only) | 5.1281% | 1,750 |
| Net charge-offs to loans | 0.0747% | 6,365 |
| Credit loss provision to net charge-offs | 755.1515% | 388 |
| Earnings coverage of net charge-offs (x) | 74.7515% | 365 |
| Efficiency ratio | 52.2179% | 7,370 |
| Assets per employee ($millions) | 9.4356% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 4,066 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 6,521 |
| Noncurrent loans to loans | 1.4320% | 4,525 |
| Net loans and leases to total assets | 23.3060% | 7,822 |
| Net loans and leases to deposits | 27.6616% | 7,840 |
| Net loans and leases to core deposits | 38.5537% | 7,783 |
| Total domestic deposits to total assets | 84.2541% | 3,916 |
| Equity capital to assets | 14.0612% | 1,150 |
| Core capital (leverage) ratio | 12.0602% | 1,638 |
| Tier 1 risk-based capital ratio | 22.3960% | 1,109 |
| Total risk-based capital ratio | 25.1286% | 941 |
| Memoranda: | ||
| Average total assets | $914,354,400 | 740 |
| Average earning assets | $852,605,200 | 710 |
| Average equity | $105,088,600 | 619 |
| Average total loans | $220,990,400 | 2,096 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 7,057 |
| Cost of funding earning assets | 2.2373% | 2,244 |
| Net interest margin | 2.5894% | 7,367 |
| Noninterest income to average assets | 0.4033% | 5,251 |
| Noninterest expense to average assets | 1.4244% | 7,918 |
| Loan and lease loss provision to assets | 0.1365% | 5,992 |
| Net operating income to assets | 0.6875% | 3,252 |
| Return on assets (ROA) | 0.4079% | 4,471 |
| Pretax return on assets | 0.8278% | 3,450 |
| Return on Equity (ROE) | 3.7567% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.7567% | 3,183 |
| Net charge-offs to loans | 0.0952% | 5,724 |
| Credit loss provision to net charge-offs | 589.9371% | 655 |
| Earnings coverage of net charge-offs (x) | 60.5737% | 546 |
| Efficiency ratio | 50.4119% | 7,526 |
| Assets per employee ($millions) | 9.2890% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 4,129 |
| Loan loss allowance to noncurrent loans | 166.1659% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 6,973 |
| Noncurrent loans to loans | 0.8223% | 5,653 |
| Net loans and leases to total assets | 22.1516% | 7,931 |
| Net loans and leases to deposits | 26.0630% | 7,949 |
| Net loans and leases to core deposits | 36.4528% | 7,895 |
| Total domestic deposits to total assets | 84.9923% | 3,242 |
| Equity capital to assets | 12.7698% | 1,799 |
| Core capital (leverage) ratio | 11.6489% | 1,993 |
| Tier 1 risk-based capital ratio | 21.6055% | 1,272 |
| Total risk-based capital ratio | 23.9245% | 1,126 |
| Memoranda: | ||
| Average total assets | $916,488,750 | 749 |
| Average earning assets | $857,305,500 | 717 |
| Average equity | $99,518,500 | 667 |
| Average total loans | $222,693,750 | 2,111 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9856% | 6,820 |
| Cost of funding earning assets | 2.3968% | 1,976 |
| Net interest margin | 2.5888% | 7,371 |
| Noninterest income to average assets | 0.4342% | 4,992 |
| Noninterest expense to average assets | 1.3433% | 8,041 |
| Loan and lease loss provision to assets | 0.1365% | 5,711 |
| Net operating income to assets | 0.6479% | 3,473 |
| Return on assets (ROA) | 0.2007% | 5,343 |
| Pretax return on assets | 0.6790% | 4,071 |
| Return on Equity (ROE) | 1.9610% | 5,316 |
| Retained earnings to average equity (ytd only) | 1.9610% | 4,253 |
| Net charge-offs to loans | 0.0096% | 6,433 |
| Credit loss provision to net charge-offs | 5,718.1818% | 85 |
| Earnings coverage of net charge-offs (x) | 634.3636% | 46 |
| Efficiency ratio | 47.0079% | 7,804 |
| Assets per employee ($millions) | 9.7919% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 4,708 |
| Loan loss allowance to noncurrent loans | 143.5502% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 7,001 |
| Noncurrent loans to loans | 0.8603% | 5,497 |
| Net loans and leases to total assets | 23.3709% | 8,000 |
| Net loans and leases to deposits | 26.7616% | 8,023 |
| Net loans and leases to core deposits | 37.2159% | 7,959 |
| Total domestic deposits to total assets | 87.3300% | 2,085 |
| Equity capital to assets | 11.1960% | 2,759 |
| Core capital (leverage) ratio | 11.2151% | 2,251 |
| Tier 1 risk-based capital ratio | 19.7835% | 1,620 |
| Total risk-based capital ratio | 21.3072% | 1,531 |
| Memoranda: | ||
| Average total assets | $921,642,000 | 759 |
| Average earning assets | $862,718,330 | 733 |
| Average equity | $94,338,000 | 703 |
| Average total loans | $229,472,670 | 2,087 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1226% | 6,582 |
| Cost of funding earning assets | 2.5837% | 1,615 |
| Net interest margin | 2.5389% | 7,455 |
| Noninterest income to average assets | 0.4799% | 4,510 |
| Noninterest expense to average assets | 1.3469% | 8,061 |
| Loan and lease loss provision to assets | 0.1516% | 4,989 |
| Net operating income to assets | 0.7274% | 3,431 |
| Return on assets (ROA) | 0.2408% | 5,688 |
| Pretax return on assets | 0.5926% | 4,778 |
| Return on Equity (ROE) | 2.4622% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.4622% | 4,505 |
| Net charge-offs to loans | 0.0134% | 5,415 |
| Credit loss provision to net charge-offs | 4,437.5000% | 166 |
| Earnings coverage of net charge-offs (x) | 440.5000% | 75 |
| Efficiency ratio | 47.2376% | 7,772 |
| Assets per employee ($millions) | 9.1723% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 6,150 |
| Loan loss allowance to noncurrent loans | 149.8394% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 7,035 |
| Noncurrent loans to loans | 0.6694% | 5,734 |
| Net loans and leases to total assets | 25.3575% | 8,016 |
| Net loans and leases to deposits | 28.3971% | 8,058 |
| Net loans and leases to core deposits | 39.5913% | 7,987 |
| Total domestic deposits to total assets | 89.2961% | 1,101 |
| Equity capital to assets | 9.1759% | 5,115 |
| Core capital (leverage) ratio | 10.6671% | 2,770 |
| Tier 1 risk-based capital ratio | 19.6875% | 1,678 |
| Total risk-based capital ratio | 20.5928% | 1,700 |
| Memoranda: | ||
| Average total assets | $936,932,000 | 749 |
| Average earning assets | $875,186,000 | 726 |
| Average equity | $91,625,500 | 722 |
| Average total loans | $238,782,500 | 2,034 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1667% | 7,708 |
| Cost of funding earning assets | 3.2306% | 1,097 |
| Net interest margin | 1.9362% | 8,099 |
| Noninterest income to average assets | 0.3032% | 6,276 |
| Noninterest expense to average assets | 1.2262% | 8,155 |
| Loan and lease loss provision to assets | 0.0654% | 6,570 |
| Net operating income to assets | 0.8178% | 3,356 |
| Return on assets (ROA) | -1.9016% | 7,543 |
| Pretax return on assets | -1.9351% | 7,421 |
| Return on Equity (ROE) | -15.7798% | 7,619 |
| Retained earnings to average equity (ytd only) | -15.8685% | 7,515 |
| Net charge-offs to loans | 0.0915% | 5,422 |
| Credit loss provision to net charge-offs | 297.2222% | 1,524 |
| Earnings coverage of net charge-offs (x) | 41.1620% | 895 |
| Efficiency ratio | 57.5305% | 6,771 |
| Assets per employee ($millions) | 10.1663% | 250 |
| Cash dividends to net income (ytd only)* | -0.5621% | 7,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 7,061 |
| Loan loss allowance to noncurrent loans | 253.9642% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 7,243 |
| Noncurrent loans to loans | 0.3192% | 6,416 |
| Net loans and leases to total assets | 25.1588% | 8,086 |
| Net loans and leases to deposits | 28.4938% | 8,130 |
| Net loans and leases to core deposits | 37.7690% | 8,084 |
| Total domestic deposits to total assets | 88.2956% | 1,335 |
| Equity capital to assets | 10.3466% | 3,671 |
| Core capital (leverage) ratio | 10.2000% | 3,267 |
| Tier 1 risk-based capital ratio | 19.5966% | 1,683 |
| Total risk-based capital ratio | 20.8985% | 1,634 |
| Memoranda: | ||
| Average total assets | $982,256,800 | 671 |
| Average earning assets | $927,457,600 | 646 |
| Average equity | $118,372,600 | 580 |
| Average total loans | $235,991,600 | 2,001 |