Home > Bridgeview Bank Group > Performance and Condition Ratios
Bridgeview Bank Group, 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 | 4.4336% | 3,104 |
| Cost of funding earning assets | 0.8732% | 2,137 |
| Net interest margin | 3.5604% | 3,401 |
| Noninterest income to average assets | 0.2244% | 4,401 |
| Noninterest expense to average assets | 2.8949% | 2,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4291% | 4,669 |
| Return on assets (ROA) | 0.4291% | 4,681 |
| Pretax return on assets | 0.6098% | 4,495 |
| Return on Equity (ROE) | 3.8945% | 4,596 |
| Retained earnings to average equity (ytd only) | 3.8945% | 3,355 |
| Net charge-offs to loans | -0.0303% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6008% | 820 |
| Assets per employee ($millions) | 7.1552% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 3,597 |
| Loan loss allowance to noncurrent loans | 107.1537% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.4352% | 856 |
| Noncurrent loans to loans | 0.9488% | 1,763 |
| Net loans and leases to total assets | 65.8595% | 3,077 |
| Net loans and leases to deposits | 75.8468% | 3,272 |
| Net loans and leases to core deposits | 78.7276% | 3,470 |
| Total domestic deposits to total assets | 86.8322% | 1,889 |
| Equity capital to assets | 11.5431% | 2,358 |
| Core capital (leverage) ratio | 10.1931% | 3,392 |
| Tier 1 risk-based capital ratio | 14.1668% | 3,263 |
| Total risk-based capital ratio | 15.0965% | 3,338 |
| Memoranda: | ||
| Average total assets | $1,199,769,000 | 664 |
| Average earning assets | $1,105,388,000 | 660 |
| Average equity | $132,185,500 | 689 |
| Average total loans | $832,671,000 | 694 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 2,039 |
| Cost of funding earning assets | 0.6700% | 2,264 |
| Net interest margin | 3.9649% | 2,111 |
| Noninterest income to average assets | 6.1617% | 83 |
| Noninterest expense to average assets | 9.7250% | 67 |
| Loan and lease loss provision to assets | 0.1137% | 1,936 |
| Net operating income to assets | -0.0570% | 5,248 |
| Return on assets (ROA) | -0.0582% | 5,245 |
| Pretax return on assets | -0.0665% | 5,242 |
| Return on Equity (ROE) | -0.5375% | 5,248 |
| Retained earnings to average equity (ytd only) | -0.5375% | 5,044 |
| Net charge-offs to loans | 0.1948% | 988 |
| Credit loss provision to net charge-offs | 78.6959% | 2,886 |
| Earnings coverage of net charge-offs (x) | 0.3361% | 3,702 |
| Efficiency ratio | 99.5030% | 149 |
| Assets per employee ($millions) | 7.3702% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 4,356 |
| Loan loss allowance to noncurrent loans | 217.1614% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 1,280 |
| Noncurrent loans to loans | 0.3914% | 3,130 |
| Net loans and leases to total assets | 71.5075% | 2,343 |
| Net loans and leases to deposits | 85.8777% | 2,289 |
| Net loans and leases to core deposits | 88.5014% | 2,705 |
| Total domestic deposits to total assets | 83.2667% | 3,237 |
| Equity capital to assets | 10.4178% | 3,267 |
| Core capital (leverage) ratio | 9.5232% | 4,090 |
| Tier 1 risk-based capital ratio | 13.1322% | 3,771 |
| Total risk-based capital ratio | 13.9905% | 3,875 |
| Memoranda: | ||
| Average total assets | $1,231,150,200 | 628 |
| Average earning assets | $1,121,512,200 | 629 |
| Average equity | $133,402,200 | 651 |
| Average total loans | $913,072,000 | 605 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 2,126 |
| Cost of funding earning assets | 0.6316% | 2,261 |
| Net interest margin | 3.9178% | 2,231 |
| Noninterest income to average assets | 7.7896% | 67 |
| Noninterest expense to average assets | 9.8781% | 65 |
| Loan and lease loss provision to assets | 0.1523% | 1,296 |
| Net operating income to assets | 1.0200% | 3,004 |
| Return on assets (ROA) | 1.0185% | 3,023 |
| Pretax return on assets | 1.3119% | 2,570 |
| Return on Equity (ROE) | 9.3078% | 2,952 |
| Retained earnings to average equity (ytd only) | 9.3078% | 1,115 |
| Net charge-offs to loans | 0.2626% | 635 |
| Credit loss provision to net charge-offs | 77.6484% | 2,552 |
| Earnings coverage of net charge-offs (x) | 7.4748% | 2,805 |
| Efficiency ratio | 87.0770% | 454 |
| Assets per employee ($millions) | 1.5535% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8053% | 4,598 |
| Loan loss allowance to noncurrent loans | 188.2715% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3139% | 1,031 |
| Noncurrent loans to loans | 0.4277% | 3,125 |
| Net loans and leases to total assets | 74.8605% | 1,845 |
| Net loans and leases to deposits | 86.9382% | 2,270 |
| Net loans and leases to core deposits | 89.3289% | 2,715 |
| Total domestic deposits to total assets | 86.1077% | 2,142 |
| Equity capital to assets | 11.0030% | 2,663 |
| Core capital (leverage) ratio | 10.5104% | 3,075 |
| Tier 1 risk-based capital ratio | 13.8768% | 3,430 |
| Total risk-based capital ratio | 14.7018% | 3,569 |
| Memoranda: | ||
| Average total assets | $1,225,705,000 | 630 |
| Average earning assets | $1,112,062,500 | 631 |
| Average equity | $134,120,750 | 641 |
| Average total loans | $915,434,750 | 598 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 2,097 |
| Cost of funding earning assets | 0.5837% | 2,339 |
| Net interest margin | 3.9113% | 2,169 |
| Noninterest income to average assets | 7.3566% | 70 |
| Noninterest expense to average assets | 9.6659% | 69 |
| Loan and lease loss provision to assets | 0.1729% | 1,062 |
| Net operating income to assets | 0.8429% | 3,709 |
| Return on assets (ROA) | 0.8429% | 3,710 |
| Pretax return on assets | 1.0636% | 3,461 |
| Return on Equity (ROE) | 7.7183% | 3,616 |
| Retained earnings to average equity (ytd only) | 7.7183% | 1,744 |
| Net charge-offs to loans | 0.3194% | 502 |
| Credit loss provision to net charge-offs | 72.7651% | 2,325 |
| Earnings coverage of net charge-offs (x) | 5.2030% | 2,728 |
| Efficiency ratio | 88.6578% | 426 |
| Assets per employee ($millions) | 1.6159% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 4,660 |
| Loan loss allowance to noncurrent loans | 215.9718% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2871% | 1,101 |
| Noncurrent loans to loans | 0.3749% | 3,351 |
| Net loans and leases to total assets | 74.5115% | 1,862 |
| Net loans and leases to deposits | 91.1844% | 1,682 |
| Net loans and leases to core deposits | 93.4016% | 2,276 |
| Total domestic deposits to total assets | 81.7152% | 3,803 |
| Equity capital to assets | 10.6803% | 2,950 |
| Core capital (leverage) ratio | 10.1693% | 3,398 |
| Tier 1 risk-based capital ratio | 13.2428% | 3,766 |
| Total risk-based capital ratio | 14.0680% | 3,908 |
| Memoranda: | ||
| Average total assets | $1,214,313,670 | 638 |
| Average earning assets | $1,100,875,000 | 641 |
| Average equity | $132,619,330 | 646 |
| Average total loans | $903,643,330 | 605 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 2,282 |
| Cost of funding earning assets | 0.5144% | 2,690 |
| Net interest margin | 3.8593% | 2,199 |
| Noninterest income to average assets | 7.4039% | 70 |
| Noninterest expense to average assets | 9.7832% | 71 |
| Loan and lease loss provision to assets | 0.2518% | 588 |
| Net operating income to assets | 0.7296% | 3,986 |
| Return on assets (ROA) | 0.7296% | 3,993 |
| Pretax return on assets | 0.8603% | 3,982 |
| Return on Equity (ROE) | 6.6038% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.6038% | 2,453 |
| Net charge-offs to loans | -0.0127% | 4,349 |
| Credit loss provision to net charge-offs | -2,678.5714% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7929% | 452 |
| Assets per employee ($millions) | 1.5842% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,953 |
| Loan loss allowance to noncurrent loans | 147.8668% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 918 |
| Noncurrent loans to loans | 0.6766% | 2,521 |
| Net loans and leases to total assets | 72.4424% | 2,097 |
| Net loans and leases to deposits | 89.4586% | 1,754 |
| Net loans and leases to core deposits | 93.3868% | 2,185 |
| Total domestic deposits to total assets | 80.9786% | 4,213 |
| Equity capital to assets | 10.9356% | 2,645 |
| Core capital (leverage) ratio | 10.2804% | 3,207 |
| Tier 1 risk-based capital ratio | 13.4550% | 3,688 |
| Total risk-based capital ratio | 14.4552% | 3,738 |
| Memoranda: | ||
| Average total assets | $1,191,272,000 | 651 |
| Average earning assets | $1,077,706,500 | 657 |
| Average equity | $131,622,000 | 647 |
| Average total loans | $882,061,000 | 626 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 1,861 |
| Cost of funding earning assets | 0.4553% | 2,720 |
| Net interest margin | 4.0000% | 1,755 |
| Noninterest income to average assets | 9.3625% | 63 |
| Noninterest expense to average assets | 11.4694% | 56 |
| Loan and lease loss provision to assets | 0.2770% | 642 |
| Net operating income to assets | 0.2177% | 5,073 |
| Return on assets (ROA) | 0.1958% | 5,133 |
| Pretax return on assets | 1.1431% | 3,011 |
| Return on Equity (ROE) | 1.6567% | 5,123 |
| Retained earnings to average equity (ytd only) | 1.6567% | 4,308 |
| Net charge-offs to loans | 0.3017% | 862 |
| Credit loss provision to net charge-offs | 121.0938% | 2,158 |
| Earnings coverage of net charge-offs (x) | 6.3574% | 3,194 |
| Efficiency ratio | 88.7465% | 487 |
| Assets per employee ($millions) | 1.5650% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 4,390 |
| Loan loss allowance to noncurrent loans | 129.2081% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.6290% | 808 |
| Noncurrent loans to loans | 0.7082% | 2,434 |
| Net loans and leases to total assets | 74.2506% | 1,876 |
| Net loans and leases to deposits | 88.1231% | 2,006 |
| Net loans and leases to core deposits | 91.4327% | 2,421 |
| Total domestic deposits to total assets | 84.2578% | 3,105 |
| Equity capital to assets | 11.1652% | 2,471 |
| Core capital (leverage) ratio | 10.0503% | 3,391 |
| Tier 1 risk-based capital ratio | 13.2287% | 3,770 |
| Total risk-based capital ratio | 14.1552% | 3,868 |
| Memoranda: | ||
| Average total assets | $1,119,034,800 | 662 |
| Average earning assets | $996,291,200 | 682 |
| Average equity | $132,253,000 | 620 |
| Average total loans | $848,398,400 | 619 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 1,785 |
| Cost of funding earning assets | 0.4443% | 2,768 |
| Net interest margin | 4.0067% | 1,675 |
| Noninterest income to average assets | 9.2991% | 67 |
| Noninterest expense to average assets | 10.7129% | 64 |
| Loan and lease loss provision to assets | 0.3339% | 450 |
| Net operating income to assets | 1.1228% | 1,980 |
| Return on assets (ROA) | 1.1201% | 2,058 |
| Pretax return on assets | 1.8008% | 892 |
| Return on Equity (ROE) | 9.3405% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.3405% | 747 |
| Net charge-offs to loans | 0.3838% | 553 |
| Credit loss provision to net charge-offs | 114.3861% | 2,084 |
| Earnings coverage of net charge-offs (x) | 7.3274% | 2,887 |
| Efficiency ratio | 83.3579% | 810 |
| Assets per employee ($millions) | 1.5682% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,534 |
| Loan loss allowance to noncurrent loans | 147.2857% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.7188% | 835 |
| Noncurrent loans to loans | 0.6167% | 2,863 |
| Net loans and leases to total assets | 75.1866% | 1,729 |
| Net loans and leases to deposits | 88.7985% | 1,954 |
| Net loans and leases to core deposits | 92.3526% | 2,405 |
| Total domestic deposits to total assets | 84.6710% | 2,852 |
| Equity capital to assets | 12.1013% | 1,897 |
| Core capital (leverage) ratio | 11.1014% | 2,368 |
| Tier 1 risk-based capital ratio | 14.2929% | 3,304 |
| Total risk-based capital ratio | 15.2149% | 3,381 |
| Memoranda: | ||
| Average total assets | $1,104,955,750 | 673 |
| Average earning assets | $979,723,500 | 696 |
| Average equity | $132,508,750 | 624 |
| Average total loans | $840,306,750 | 626 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 1,737 |
| Cost of funding earning assets | 0.4378% | 2,719 |
| Net interest margin | 3.9886% | 1,644 |
| Noninterest income to average assets | 9.0117% | 69 |
| Noninterest expense to average assets | 10.4684% | 65 |
| Loan and lease loss provision to assets | 0.5064% | 231 |
| Net operating income to assets | 0.9762% | 2,546 |
| Return on assets (ROA) | 0.9723% | 2,603 |
| Pretax return on assets | 1.5589% | 1,462 |
| Return on Equity (ROE) | 8.1332% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.1332% | 1,109 |
| Net charge-offs to loans | 0.6286% | 317 |
| Credit loss provision to net charge-offs | 105.8531% | 1,941 |
| Earnings coverage of net charge-offs (x) | 4.3298% | 2,944 |
| Efficiency ratio | 83.4805% | 879 |
| Assets per employee ($millions) | 1.5308% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,621 |
| Loan loss allowance to noncurrent loans | 120.5878% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.7978% | 768 |
| Noncurrent loans to loans | 0.7502% | 2,517 |
| Net loans and leases to total assets | 76.5771% | 1,450 |
| Net loans and leases to deposits | 89.6625% | 1,783 |
| Net loans and leases to core deposits | 93.5879% | 2,194 |
| Total domestic deposits to total assets | 85.4059% | 2,645 |
| Equity capital to assets | 12.2176% | 1,775 |
| Core capital (leverage) ratio | 10.8049% | 2,593 |
| Tier 1 risk-based capital ratio | 13.7874% | 3,543 |
| Total risk-based capital ratio | 14.7085% | 3,634 |
| Memoranda: | ||
| Average total assets | $1,092,713,670 | 683 |
| Average earning assets | $966,602,000 | 711 |
| Average equity | $130,625,670 | 630 |
| Average total loans | $831,655,670 | 634 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 1,731 |
| Cost of funding earning assets | 0.4309% | 2,710 |
| Net interest margin | 3.9446% | 1,621 |
| Noninterest income to average assets | 8.6855% | 69 |
| Noninterest expense to average assets | 10.1461% | 68 |
| Loan and lease loss provision to assets | 0.9234% | 93 |
| Net operating income to assets | 0.6747% | 3,811 |
| Return on assets (ROA) | 0.6747% | 3,851 |
| Pretax return on assets | 1.0984% | 2,997 |
| Return on Equity (ROE) | 5.7072% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.7072% | 2,489 |
| Net charge-offs to loans | 1.6225% | 97 |
| Credit loss provision to net charge-offs | 75.3593% | 1,788 |
| Earnings coverage of net charge-offs (x) | 1.6500% | 2,704 |
| Efficiency ratio | 83.3836% | 1,026 |
| Assets per employee ($millions) | 1.4986% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,967 |
| Loan loss allowance to noncurrent loans | 105.9652% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.8770% | 730 |
| Noncurrent loans to loans | 0.7892% | 2,480 |
| Net loans and leases to total assets | 73.1936% | 1,876 |
| Net loans and leases to deposits | 84.7613% | 2,187 |
| Net loans and leases to core deposits | 88.8156% | 2,469 |
| Total domestic deposits to total assets | 86.3527% | 2,512 |
| Equity capital to assets | 11.9871% | 1,859 |
| Core capital (leverage) ratio | 10.2566% | 3,181 |
| Tier 1 risk-based capital ratio | 13.2858% | 3,897 |
| Total risk-based capital ratio | 14.1073% | 4,065 |
| Memoranda: | ||
| Average total assets | $1,090,275,000 | 687 |
| Average earning assets | $962,537,500 | 715 |
| Average equity | $128,889,000 | 637 |
| Average total loans | $823,395,500 | 644 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 1,669 |
| Cost of funding earning assets | 0.4174% | 2,833 |
| Net interest margin | 4.0379% | 1,533 |
| Noninterest income to average assets | 11.1108% | 59 |
| Noninterest expense to average assets | 12.5771% | 57 |
| Loan and lease loss provision to assets | 0.8030% | 143 |
| Net operating income to assets | 0.8075% | 3,273 |
| Return on assets (ROA) | 0.8063% | 3,381 |
| Pretax return on assets | 1.2716% | 2,390 |
| Return on Equity (ROE) | 7.2042% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.2042% | 1,149 |
| Net charge-offs to loans | 1.2202% | 137 |
| Credit loss provision to net charge-offs | 85.9353% | 2,873 |
| Earnings coverage of net charge-offs (x) | 2.2221% | 3,863 |
| Efficiency ratio | 85.8295% | 834 |
| Assets per employee ($millions) | 1.3677% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 4,816 |
| Loan loss allowance to noncurrent loans | 94.4486% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.9928% | 690 |
| Noncurrent loans to loans | 0.9412% | 2,206 |
| Net loans and leases to total assets | 76.5299% | 1,434 |
| Net loans and leases to deposits | 90.1277% | 1,668 |
| Net loans and leases to core deposits | 94.3115% | 2,075 |
| Total domestic deposits to total assets | 84.9127% | 3,089 |
| Equity capital to assets | 11.6578% | 2,036 |
| Core capital (leverage) ratio | 9.4560% | 4,144 |
| Tier 1 risk-based capital ratio | 12.7399% | 4,248 |
| Total risk-based capital ratio | 13.6424% | 4,334 |
| Memoranda: | ||
| Average total assets | $1,120,742,400 | 642 |
| Average earning assets | $983,299,600 | 674 |
| Average equity | $125,427,000 | 638 |
| Average total loans | $858,326,400 | 591 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 1,747 |
| Cost of funding earning assets | 0.4020% | 3,003 |
| Net interest margin | 4.0318% | 1,576 |
| Noninterest income to average assets | 11.0021% | 58 |
| Noninterest expense to average assets | 12.2256% | 55 |
| Loan and lease loss provision to assets | 0.9464% | 109 |
| Net operating income to assets | 0.8566% | 3,115 |
| Return on assets (ROA) | 0.8550% | 3,255 |
| Pretax return on assets | 1.3574% | 2,201 |
| Return on Equity (ROE) | 7.7176% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.7176% | 1,304 |
| Net charge-offs to loans | 0.9867% | 173 |
| Credit loss provision to net charge-offs | 125.4902% | 2,016 |
| Earnings coverage of net charge-offs (x) | 3.0580% | 3,474 |
| Efficiency ratio | 84.1295% | 989 |
| Assets per employee ($millions) | 1.4179% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 3,546 |
| Loan loss allowance to noncurrent loans | 85.1142% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.7572% | 463 |
| Noncurrent loans to loans | 1.3494% | 1,632 |
| Net loans and leases to total assets | 77.3723% | 1,298 |
| Net loans and leases to deposits | 99.0400% | 769 |
| Net loans and leases to core deposits | 103.4716% | 1,382 |
| Total domestic deposits to total assets | 78.1223% | 4,892 |
| Equity capital to assets | 10.8710% | 3,169 |
| Core capital (leverage) ratio | 9.5897% | 4,072 |
| Tier 1 risk-based capital ratio | 12.2163% | 4,665 |
| Total risk-based capital ratio | 13.4190% | 4,587 |
| Memoranda: | ||
| Average total assets | $1,127,039,500 | 637 |
| Average earning assets | $986,706,250 | 673 |
| Average equity | $124,854,250 | 641 |
| Average total loans | $861,421,500 | 582 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 1,768 |
| Cost of funding earning assets | 0.3854% | 3,203 |
| Net interest margin | 4.0348% | 1,536 |
| Noninterest income to average assets | 10.2714% | 60 |
| Noninterest expense to average assets | 11.7840% | 59 |
| Loan and lease loss provision to assets | 0.3607% | 448 |
| Net operating income to assets | 1.0585% | 2,136 |
| Return on assets (ROA) | 1.0561% | 2,266 |
| Pretax return on assets | 1.6443% | 1,237 |
| Return on Equity (ROE) | 9.4702% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.4702% | 728 |
| Net charge-offs to loans | 0.0516% | 2,461 |
| Credit loss provision to net charge-offs | 921.6590% | 401 |
| Earnings coverage of net charge-offs (x) | 51.3318% | 979 |
| Efficiency ratio | 85.4358% | 929 |
| Assets per employee ($millions) | 1.4757% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 3,350 |
| Loan loss allowance to noncurrent loans | 132.3833% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 2.5186% | 544 |
| Noncurrent loans to loans | 0.9075% | 2,472 |
| Net loans and leases to total assets | 76.5970% | 1,399 |
| Net loans and leases to deposits | 97.8573% | 905 |
| Net loans and leases to core deposits | 101.7958% | 1,487 |
| Total domestic deposits to total assets | 78.2742% | 4,945 |
| Equity capital to assets | 10.9553% | 3,108 |
| Core capital (leverage) ratio | 9.9681% | 3,601 |
| Tier 1 risk-based capital ratio | 12.1144% | 4,762 |
| Total risk-based capital ratio | 13.3461% | 4,686 |
| Memoranda: | ||
| Average total assets | $1,109,016,000 | 650 |
| Average earning assets | $967,883,000 | 689 |
| Average equity | $123,672,670 | 647 |
| Average total loans | $840,405,330 | 588 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 1,631 |
| Cost of funding earning assets | 0.3627% | 3,476 |
| Net interest margin | 4.0971% | 1,353 |
| Noninterest income to average assets | 9.2229% | 65 |
| Noninterest expense to average assets | 11.0521% | 64 |
| Loan and lease loss provision to assets | 0.3686% | 396 |
| Net operating income to assets | 0.8806% | 2,850 |
| Return on assets (ROA) | 0.8755% | 2,988 |
| Pretax return on assets | 1.3552% | 2,070 |
| Return on Equity (ROE) | 7.7783% | 3,044 |
| Retained earnings to average equity (ytd only) | 7.7783% | 1,551 |
| Net charge-offs to loans | -0.0281% | 5,030 |
| Credit loss provision to net charge-offs | -1,754.3860% | 4,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4550% | 937 |
| Assets per employee ($millions) | 1.5494% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 3,444 |
| Loan loss allowance to noncurrent loans | 262.2390% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 2.5318% | 580 |
| Noncurrent loans to loans | 0.4596% | 3,797 |
| Net loans and leases to total assets | 75.4138% | 1,484 |
| Net loans and leases to deposits | 92.7587% | 1,256 |
| Net loans and leases to core deposits | 96.2868% | 1,764 |
| Total domestic deposits to total assets | 81.3011% | 4,403 |
| Equity capital to assets | 11.3233% | 2,602 |
| Core capital (leverage) ratio | 9.8990% | 3,661 |
| Tier 1 risk-based capital ratio | 12.0868% | 4,864 |
| Total risk-based capital ratio | 13.2850% | 4,806 |
| Memoranda: | ||
| Average total assets | $1,085,044,000 | 663 |
| Average earning assets | $942,999,000 | 702 |
| Average equity | $122,135,000 | 656 |
| Average total loans | $812,121,500 | 612 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,440 |
| Cost of funding earning assets | 0.4470% | 2,655 |
| Net interest margin | 3.7881% | 2,414 |
| Noninterest income to average assets | 9.4021% | 70 |
| Noninterest expense to average assets | 11.5323% | 63 |
| Loan and lease loss provision to assets | 0.2846% | 632 |
| Net operating income to assets | 0.5497% | 4,501 |
| Return on assets (ROA) | 0.5323% | 4,655 |
| Pretax return on assets | 0.8262% | 4,110 |
| Return on Equity (ROE) | 5.2287% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.2287% | 2,257 |
| Net charge-offs to loans | 0.7300% | 326 |
| Credit loss provision to net charge-offs | 55.8458% | 3,318 |
| Earnings coverage of net charge-offs (x) | 2.2328% | 3,947 |
| Efficiency ratio | 91.0186% | 630 |
| Assets per employee ($millions) | 1.5826% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 3,817 |
| Loan loss allowance to noncurrent loans | 227.6709% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 2.9398% | 452 |
| Noncurrent loans to loans | 0.4997% | 3,689 |
| Net loans and leases to total assets | 72.5054% | 1,966 |
| Net loans and leases to deposits | 87.5083% | 1,932 |
| Net loans and leases to core deposits | 90.7024% | 2,347 |
| Total domestic deposits to total assets | 82.8554% | 3,885 |
| Equity capital to assets | 11.1883% | 2,643 |
| Core capital (leverage) ratio | 9.6002% | 4,046 |
| Tier 1 risk-based capital ratio | 12.0049% | 4,947 |
| Total risk-based capital ratio | 13.1057% | 4,956 |
| Memoranda: | ||
| Average total assets | $1,089,144,800 | 644 |
| Average earning assets | $939,634,800 | 673 |
| Average equity | $110,888,400 | 689 |
| Average total loans | $760,375,800 | 616 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 2,562 |
| Cost of funding earning assets | 0.4730% | 2,469 |
| Net interest margin | 3.7313% | 2,642 |
| Noninterest income to average assets | 9.8396% | 68 |
| Noninterest expense to average assets | 11.5813% | 67 |
| Loan and lease loss provision to assets | 0.1954% | 1,035 |
| Net operating income to assets | 0.1127% | 5,831 |
| Return on assets (ROA) | 0.0955% | 5,890 |
| Pretax return on assets | 1.2520% | 2,592 |
| Return on Equity (ROE) | 0.9613% | 5,865 |
| Retained earnings to average equity (ytd only) | 0.9613% | 5,333 |
| Net charge-offs to loans | 0.8345% | 243 |
| Credit loss provision to net charge-offs | 33.9559% | 3,234 |
| Earnings coverage of net charge-offs (x) | 2.5626% | 3,647 |
| Efficiency ratio | 88.7074% | 787 |
| Assets per employee ($millions) | 1.5509% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,968 |
| Loan loss allowance to noncurrent loans | 106.6974% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 4.1299% | 275 |
| Noncurrent loans to loans | 1.0725% | 2,337 |
| Net loans and leases to total assets | 68.3524% | 2,630 |
| Net loans and leases to deposits | 79.3051% | 2,957 |
| Net loans and leases to core deposits | 82.2961% | 3,220 |
| Total domestic deposits to total assets | 86.1891% | 2,448 |
| Equity capital to assets | 11.0437% | 2,969 |
| Core capital (leverage) ratio | 9.3557% | 4,508 |
| Tier 1 risk-based capital ratio | 12.6525% | 4,646 |
| Total risk-based capital ratio | 13.7350% | 4,662 |
| Memoranda: | ||
| Average total assets | $1,091,997,250 | 649 |
| Average earning assets | $941,203,250 | 678 |
| Average equity | $108,465,500 | 716 |
| Average total loans | $752,867,500 | 622 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 2,704 |
| Cost of funding earning assets | 0.5090% | 2,173 |
| Net interest margin | 3.6459% | 2,926 |
| Noninterest income to average assets | 9.9488% | 74 |
| Noninterest expense to average assets | 11.6517% | 67 |
| Loan and lease loss provision to assets | 0.0905% | 2,310 |
| Net operating income to assets | -0.0877% | 6,045 |
| Return on assets (ROA) | -0.1039% | 6,079 |
| Pretax return on assets | 1.3240% | 2,268 |
| Return on Equity (ROE) | -1.0845% | 6,085 |
| Retained earnings to average equity (ytd only) | -1.0845% | 5,704 |
| Net charge-offs to loans | 0.9586% | 216 |
| Credit loss provision to net charge-offs | 13.7061% | 3,077 |
| Earnings coverage of net charge-offs (x) | 2.1806% | 3,393 |
| Efficiency ratio | 89.0016% | 825 |
| Assets per employee ($millions) | 1.6422% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 4,321 |
| Loan loss allowance to noncurrent loans | 58.5338% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 4.2903% | 289 |
| Noncurrent loans to loans | 1.8797% | 1,333 |
| Net loans and leases to total assets | 68.4896% | 2,570 |
| Net loans and leases to deposits | 79.3134% | 2,869 |
| Net loans and leases to core deposits | 82.2661% | 3,144 |
| Total domestic deposits to total assets | 86.3531% | 2,505 |
| Equity capital to assets | 10.5058% | 3,434 |
| Core capital (leverage) ratio | 8.6633% | 5,355 |
| Tier 1 risk-based capital ratio | 12.1648% | 5,025 |
| Total risk-based capital ratio | 13.2397% | 5,056 |
| Memoranda: | ||
| Average total assets | $1,104,975,000 | 644 |
| Average earning assets | $952,469,330 | 677 |
| Average equity | $105,855,000 | 733 |
| Average total loans | $761,114,670 | 612 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 2,567 |
| Cost of funding earning assets | 0.5159% | 2,145 |
| Net interest margin | 3.6551% | 2,793 |
| Noninterest income to average assets | 9.5941% | 77 |
| Noninterest expense to average assets | 11.3212% | 69 |
| Loan and lease loss provision to assets | 0.1797% | 1,069 |
| Net operating income to assets | 1.0137% | 2,201 |
| Return on assets (ROA) | 0.9725% | 2,517 |
| Pretax return on assets | 1.1870% | 2,724 |
| Return on Equity (ROE) | 10.6547% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.6547% | 783 |
| Net charge-offs to loans | 0.2176% | 1,076 |
| Credit loss provision to net charge-offs | 120.1923% | 1,440 |
| Earnings coverage of net charge-offs (x) | 9.4784% | 2,010 |
| Efficiency ratio | 88.8760% | 948 |
| Assets per employee ($millions) | 1.7232% | 6,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 2,255 |
| Loan loss allowance to noncurrent loans | 53.1489% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 4.8983% | 255 |
| Noncurrent loans to loans | 2.9064% | 769 |
| Net loans and leases to total assets | 64.9999% | 2,937 |
| Net loans and leases to deposits | 74.7706% | 3,186 |
| Net loans and leases to core deposits | 77.6171% | 3,417 |
| Total domestic deposits to total assets | 86.9325% | 2,409 |
| Equity capital to assets | 9.1396% | 5,150 |
| Core capital (leverage) ratio | 7.1482% | 6,223 |
| Tier 1 risk-based capital ratio | 9.8403% | 6,205 |
| Total risk-based capital ratio | 11.0932% | 6,170 |
| Memoranda: | ||
| Average total assets | $1,113,058,500 | 633 |
| Average earning assets | $957,464,000 | 670 |
| Average equity | $101,588,500 | 765 |
| Average total loans | $764,664,000 | 607 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 2,525 |
| Cost of funding earning assets | 0.4781% | 2,900 |
| Net interest margin | 3.8421% | 2,456 |
| Noninterest income to average assets | 5.7128% | 107 |
| Noninterest expense to average assets | 8.5728% | 96 |
| Loan and lease loss provision to assets | 0.1420% | 1,870 |
| Net operating income to assets | 3.3473% | 76 |
| Return on assets (ROA) | 3.3254% | 76 |
| Pretax return on assets | 0.2891% | 5,722 |
| Return on Equity (ROE) | 40.9184% | 23 |
| Retained earnings to average equity (ytd only) | 40.9184% | 11 |
| Net charge-offs to loans | 0.4001% | 1,071 |
| Credit loss provision to net charge-offs | 51.8493% | 3,447 |
| Earnings coverage of net charge-offs (x) | 1.6540% | 4,366 |
| Efficiency ratio | 94.9815% | 549 |
| Assets per employee ($millions) | 1.7263% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 2,638 |
| Loan loss allowance to noncurrent loans | 33.4053% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 6.1596% | 189 |
| Noncurrent loans to loans | 4.3750% | 386 |
| Net loans and leases to total assets | 70.4973% | 2,157 |
| Net loans and leases to deposits | 79.9896% | 2,715 |
| Net loans and leases to core deposits | 82.9241% | 3,005 |
| Total domestic deposits to total assets | 88.1331% | 1,699 |
| Equity capital to assets | 9.0134% | 5,271 |
| Core capital (leverage) ratio | 6.5225% | 6,365 |
| Tier 1 risk-based capital ratio | 8.5595% | 6,428 |
| Total risk-based capital ratio | 9.8117% | 6,427 |
| Memoranda: | ||
| Average total assets | $1,056,399,200 | 637 |
| Average earning assets | $910,905,000 | 674 |
| Average equity | $85,853,800 | 860 |
| Average total loans | $723,013,400 | 601 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,836 |
| Cost of funding earning assets | 0.4604% | 3,148 |
| Net interest margin | 3.7804% | 2,690 |
| Noninterest income to average assets | 5.2789% | 117 |
| Noninterest expense to average assets | 7.9669% | 106 |
| Loan and lease loss provision to assets | 0.1910% | 1,263 |
| Net operating income to assets | 4.4003% | 52 |
| Return on assets (ROA) | 4.4003% | 53 |
| Pretax return on assets | 0.3846% | 5,610 |
| Return on Equity (ROE) | 55.7326% | 11 |
| Retained earnings to average equity (ytd only) | 55.7326% | 4 |
| Net charge-offs to loans | 0.4917% | 794 |
| Credit loss provision to net charge-offs | 57.4493% | 2,988 |
| Earnings coverage of net charge-offs (x) | 1.7311% | 4,089 |
| Efficiency ratio | 93.2612% | 631 |
| Assets per employee ($millions) | 1.8899% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 2,313 |
| Loan loss allowance to noncurrent loans | 37.4334% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 6.7921% | 179 |
| Noncurrent loans to loans | 4.2654% | 471 |
| Net loans and leases to total assets | 67.2041% | 2,658 |
| Net loans and leases to deposits | 75.1630% | 3,289 |
| Net loans and leases to core deposits | 77.7348% | 3,564 |
| Total domestic deposits to total assets | 89.4112% | 1,022 |
| Equity capital to assets | 9.0079% | 5,342 |
| Core capital (leverage) ratio | 6.7272% | 6,413 |
| Tier 1 risk-based capital ratio | 8.8987% | 6,488 |
| Total risk-based capital ratio | 10.1519% | 6,486 |
| Memoranda: | ||
| Average total assets | $1,046,875,500 | 638 |
| Average earning assets | $903,755,250 | 675 |
| Average equity | $82,654,500 | 890 |
| Average total loans | $708,008,500 | 614 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 3,118 |
| Cost of funding earning assets | 0.4488% | 3,339 |
| Net interest margin | 3.7082% | 2,928 |
| Noninterest income to average assets | 4.8775% | 125 |
| Noninterest expense to average assets | 7.5102% | 118 |
| Loan and lease loss provision to assets | 0.1928% | 1,267 |
| Net operating income to assets | 6.5179% | 35 |
| Return on assets (ROA) | 6.5179% | 35 |
| Pretax return on assets | 0.3887% | 5,598 |
| Return on Equity (ROE) | 86.7795% | 5 |
| Retained earnings to average equity (ytd only) | 86.7795% | 2 |
| Net charge-offs to loans | 0.5938% | 679 |
| Credit loss provision to net charge-offs | 48.1696% | 2,817 |
| Earnings coverage of net charge-offs (x) | 1.4528% | 3,798 |
| Efficiency ratio | 92.8141% | 711 |
| Assets per employee ($millions) | 1.9516% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 2,488 |
| Loan loss allowance to noncurrent loans | 33.3060% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 6.9707% | 187 |
| Noncurrent loans to loans | 4.7820% | 439 |
| Net loans and leases to total assets | 67.2114% | 2,548 |
| Net loans and leases to deposits | 75.0811% | 3,183 |
| Net loans and leases to core deposits | 78.0567% | 3,430 |
| Total domestic deposits to total assets | 89.5184% | 1,078 |
| Equity capital to assets | 8.8888% | 5,425 |
| Core capital (leverage) ratio | 6.7717% | 6,463 |
| Tier 1 risk-based capital ratio | 8.7057% | 6,554 |
| Total risk-based capital ratio | 9.9587% | 6,555 |
| Memoranda: | ||
| Average total assets | $1,037,383,670 | 642 |
| Average earning assets | $899,208,000 | 676 |
| Average equity | $77,917,000 | 935 |
| Average total loans | $699,209,330 | 617 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1671% | 2,999 |
| Cost of funding earning assets | 0.4436% | 3,497 |
| Net interest margin | 3.7235% | 2,772 |
| Noninterest income to average assets | 4.3498% | 137 |
| Noninterest expense to average assets | 7.0839% | 134 |
| Loan and lease loss provision to assets | 0.2371% | 932 |
| Net operating income to assets | 6.7829% | 32 |
| Return on assets (ROA) | 6.7829% | 32 |
| Pretax return on assets | 0.2690% | 5,784 |
| Return on Equity (ROE) | 100.0814% | 9 |
| Retained earnings to average equity (ytd only) | 100.0814% | 7 |
| Net charge-offs to loans | 0.6421% | 576 |
| Credit loss provision to net charge-offs | 55.1787% | 2,155 |
| Earnings coverage of net charge-offs (x) | 1.1778% | 3,159 |
| Efficiency ratio | 93.3313% | 792 |
| Assets per employee ($millions) | 2.0051% | 6,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 1,975 |
| Loan loss allowance to noncurrent loans | 35.9200% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 7.7159% | 177 |
| Noncurrent loans to loans | 5.0749% | 434 |
| Net loans and leases to total assets | 66.2681% | 2,522 |
| Net loans and leases to deposits | 73.4057% | 3,141 |
| Net loans and leases to core deposits | 75.7573% | 3,430 |
| Total domestic deposits to total assets | 90.2765% | 924 |
| Equity capital to assets | 7.7370% | 6,216 |
| Core capital (leverage) ratio | 6.7158% | 6,518 |
| Tier 1 risk-based capital ratio | 8.5649% | 6,610 |
| Total risk-based capital ratio | 9.8196% | 6,613 |
| Memoranda: | ||
| Average total assets | $1,015,488,000 | 661 |
| Average earning assets | $883,682,000 | 692 |
| Average equity | $68,824,000 | 1,057 |
| Average total loans | $679,597,000 | 634 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 2,786 |
| Cost of funding earning assets | 0.5298% | 3,286 |
| Net interest margin | 3.8165% | 2,594 |
| Noninterest income to average assets | 3.1167% | 219 |
| Noninterest expense to average assets | 6.5058% | 166 |
| Loan and lease loss provision to assets | 0.1890% | 1,954 |
| Net operating income to assets | -0.2289% | 6,380 |
| Return on assets (ROA) | -0.2035% | 6,377 |
| Pretax return on assets | -0.2033% | 6,355 |
| Return on Equity (ROE) | -3.5143% | 6,445 |
| Retained earnings to average equity (ytd only) | -3.5143% | 6,294 |
| Net charge-offs to loans | 2.0403% | 185 |
| Credit loss provision to net charge-offs | 13.8599% | 4,538 |
| Earnings coverage of net charge-offs (x) | -0.0291% | 5,098 |
| Efficiency ratio | 100.5394% | 463 |
| Assets per employee ($millions) | 2.1189% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9694% | 1,625 |
| Loan loss allowance to noncurrent loans | 37.6262% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 7.7385% | 203 |
| Noncurrent loans to loans | 5.2342% | 453 |
| Net loans and leases to total assets | 65.0287% | 2,860 |
| Net loans and leases to deposits | 70.0008% | 3,785 |
| Net loans and leases to core deposits | 72.8061% | 3,976 |
| Total domestic deposits to total assets | 92.8970% | 146 |
| Equity capital to assets | 5.7965% | 6,635 |
| Core capital (leverage) ratio | 6.3578% | 6,614 |
| Tier 1 risk-based capital ratio | 8.7556% | 6,671 |
| Total risk-based capital ratio | 10.0119% | 6,669 |
| Memoranda: | ||
| Average total assets | $1,075,129,800 | 612 |
| Average earning assets | $943,541,600 | 628 |
| Average equity | $62,259,200 | 1,159 |
| Average total loans | $718,567,000 | 586 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,771 |
| Cost of funding earning assets | 0.5481% | 3,281 |
| Net interest margin | 3.8046% | 2,624 |
| Noninterest income to average assets | 3.2434% | 216 |
| Noninterest expense to average assets | 6.1413% | 192 |
| Loan and lease loss provision to assets | 0.2066% | 1,758 |
| Net operating income to assets | 0.2585% | 5,758 |
| Return on assets (ROA) | 0.2918% | 5,752 |
| Pretax return on assets | 0.2682% | 5,938 |
| Return on Equity (ROE) | 5.0407% | 4,704 |
| Retained earnings to average equity (ytd only) | 5.0407% | 3,052 |
| Net charge-offs to loans | 2.1795% | 161 |
| Credit loss provision to net charge-offs | 14.1555% | 4,161 |
| Earnings coverage of net charge-offs (x) | 0.3025% | 4,763 |
| Efficiency ratio | 93.1980% | 779 |
| Assets per employee ($millions) | 1.9122% | 6,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2487% | 1,257 |
| Loan loss allowance to noncurrent loans | 52.7872% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 7.6631% | 247 |
| Noncurrent loans to loans | 4.2599% | 803 |
| Net loans and leases to total assets | 64.5836% | 2,906 |
| Net loans and leases to deposits | 69.7556% | 3,819 |
| Net loans and leases to core deposits | 72.7798% | 3,998 |
| Total domestic deposits to total assets | 92.5856% | 168 |
| Equity capital to assets | 6.0645% | 6,687 |
| Core capital (leverage) ratio | 6.5570% | 6,659 |
| Tier 1 risk-based capital ratio | 9.1144% | 6,714 |
| Total risk-based capital ratio | 10.3739% | 6,710 |
| Memoranda: | ||
| Average total assets | $1,092,827,250 | 605 |
| Average earning assets | $959,204,250 | 624 |
| Average equity | $63,269,750 | 1,150 |
| Average total loans | $731,651,250 | 577 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 2,971 |
| Cost of funding earning assets | 0.5718% | 3,203 |
| Net interest margin | 3.7243% | 2,871 |
| Noninterest income to average assets | 3.1212% | 241 |
| Noninterest expense to average assets | 5.8153% | 223 |
| Loan and lease loss provision to assets | 0.2952% | 1,225 |
| Net operating income to assets | 0.3165% | 5,538 |
| Return on assets (ROA) | 0.3655% | 5,519 |
| Pretax return on assets | 0.3302% | 5,796 |
| Return on Equity (ROE) | 6.4083% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.4083% | 2,195 |
| Net charge-offs to loans | 2.9825% | 101 |
| Credit loss provision to net charge-offs | 14.7236% | 3,832 |
| Earnings coverage of net charge-offs (x) | 0.2875% | 4,450 |
| Efficiency ratio | 90.8360% | 995 |
| Assets per employee ($millions) | 1.8268% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1707% | 1,484 |
| Loan loss allowance to noncurrent loans | 40.9957% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 8.3668% | 227 |
| Noncurrent loans to loans | 5.2949% | 586 |
| Net loans and leases to total assets | 67.2046% | 2,380 |
| Net loans and leases to deposits | 72.3742% | 3,401 |
| Net loans and leases to core deposits | 76.0419% | 3,535 |
| Total domestic deposits to total assets | 92.8572% | 136 |
| Equity capital to assets | 5.6412% | 6,774 |
| Core capital (leverage) ratio | 6.2956% | 6,722 |
| Tier 1 risk-based capital ratio | 8.5932% | 6,782 |
| Total risk-based capital ratio | 9.8526% | 6,783 |
| Memoranda: | ||
| Average total assets | $1,109,718,330 | 599 |
| Average earning assets | $974,517,000 | 619 |
| Average equity | $63,292,670 | 1,156 |
| Average total loans | $746,020,330 | 561 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 2,904 |
| Cost of funding earning assets | 0.6063% | 3,051 |
| Net interest margin | 3.6909% | 2,890 |
| Noninterest income to average assets | 2.9712% | 254 |
| Noninterest expense to average assets | 5.7026% | 239 |
| Loan and lease loss provision to assets | 0.1787% | 2,077 |
| Net operating income to assets | 0.3281% | 5,452 |
| Return on assets (ROA) | 0.3609% | 5,445 |
| Pretax return on assets | 0.3624% | 5,670 |
| Return on Equity (ROE) | 6.2951% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.2951% | 2,512 |
| Net charge-offs to loans | 2.2202% | 201 |
| Credit loss provision to net charge-offs | 12.1007% | 3,123 |
| Earnings coverage of net charge-offs (x) | 0.3441% | 3,696 |
| Efficiency ratio | 91.6681% | 1,011 |
| Assets per employee ($millions) | 2.3075% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9719% | 676 |
| Loan loss allowance to noncurrent loans | 46.7275% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 8.8430% | 264 |
| Noncurrent loans to loans | 6.3601% | 507 |
| Net loans and leases to total assets | 65.4677% | 2,461 |
| Net loans and leases to deposits | 70.5401% | 3,385 |
| Net loans and leases to core deposits | 74.4584% | 3,524 |
| Total domestic deposits to total assets | 92.8093% | 143 |
| Equity capital to assets | 5.8459% | 6,836 |
| Core capital (leverage) ratio | 6.1098% | 6,790 |
| Tier 1 risk-based capital ratio | 8.2335% | 6,853 |
| Total risk-based capital ratio | 9.5008% | 6,854 |
| Memoranda: | ||
| Average total assets | $1,119,269,500 | 599 |
| Average earning assets | $982,411,000 | 618 |
| Average equity | $64,177,000 | 1,152 |
| Average total loans | $744,427,000 | 565 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 4,374 |
| Cost of funding earning assets | 0.7269% | 3,278 |
| Net interest margin | 3.5315% | 4,366 |
| Noninterest income to average assets | 1.3039% | 900 |
| Noninterest expense to average assets | 5.8693% | 233 |
| Loan and lease loss provision to assets | 1.6543% | 170 |
| Net operating income to assets | -3.1061% | 7,012 |
| Return on assets (ROA) | -2.8310% | 7,002 |
| Pretax return on assets | -2.8305% | 7,004 |
| Return on Equity (ROE) | -40.3098% | 6,996 |
| Retained earnings to average equity (ytd only) | -40.3098% | 6,986 |
| Net charge-offs to loans | 3.4252% | 116 |
| Credit loss provision to net charge-offs | 71.6386% | 4,109 |
| Earnings coverage of net charge-offs (x) | -0.6285% | 5,698 |
| Efficiency ratio | 119.0157% | 219 |
| Assets per employee ($millions) | 2.8748% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4581% | 440 |
| Loan loss allowance to noncurrent loans | 37.9095% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 11.7045% | 152 |
| Noncurrent loans to loans | 9.1220% | 282 |
| Net loans and leases to total assets | 63.3071% | 3,008 |
| Net loans and leases to deposits | 67.9924% | 3,982 |
| Net loans and leases to core deposits | 72.2285% | 4,015 |
| Total domestic deposits to total assets | 93.1091% | 121 |
| Equity capital to assets | 5.6250% | 6,914 |
| Core capital (leverage) ratio | 5.7312% | 6,875 |
| Tier 1 risk-based capital ratio | 8.0485% | 6,911 |
| Total risk-based capital ratio | 9.3210% | 6,912 |
| Memoranda: | ||
| Average total assets | $1,219,694,400 | 538 |
| Average earning assets | $1,075,553,400 | 549 |
| Average equity | $85,661,600 | 817 |
| Average total loans | $822,284,600 | 499 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 4,661 |
| Cost of funding earning assets | 0.7442% | 3,396 |
| Net interest margin | 3.5010% | 4,641 |
| Noninterest income to average assets | 1.4978% | 669 |
| Noninterest expense to average assets | 4.8500% | 406 |
| Loan and lease loss provision to assets | 2.0012% | 120 |
| Net operating income to assets | -2.2590% | 7,067 |
| Return on assets (ROA) | -1.9372% | 7,041 |
| Pretax return on assets | -1.9367% | 7,022 |
| Return on Equity (ROE) | -26.3811% | 7,043 |
| Retained earnings to average equity (ytd only) | -26.3811% | 7,033 |
| Net charge-offs to loans | 3.4887% | 132 |
| Credit loss provision to net charge-offs | 84.5578% | 3,477 |
| Earnings coverage of net charge-offs (x) | -0.1087% | 5,378 |
| Efficiency ratio | 105.4189% | 397 |
| Assets per employee ($millions) | 3.4297% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8859% | 339 |
| Loan loss allowance to noncurrent loans | 31.4249% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 12.6574% | 140 |
| Noncurrent loans to loans | 12.3656% | 158 |
| Net loans and leases to total assets | 62.6891% | 3,264 |
| Net loans and leases to deposits | 68.1138% | 4,163 |
| Net loans and leases to core deposits | 72.5054% | 4,193 |
| Total domestic deposits to total assets | 92.0358% | 202 |
| Equity capital to assets | 6.7671% | 6,912 |
| Core capital (leverage) ratio | 6.3257% | 6,914 |
| Tier 1 risk-based capital ratio | 8.8276% | 6,955 |
| Total risk-based capital ratio | 10.1052% | 6,955 |
| Memoranda: | ||
| Average total assets | $1,240,734,000 | 531 |
| Average earning assets | $1,096,843,000 | 545 |
| Average equity | $91,108,500 | 773 |
| Average total loans | $841,699,500 | 489 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 4,829 |
| Cost of funding earning assets | 0.7675% | 3,459 |
| Net interest margin | 3.4687% | 4,804 |
| Noninterest income to average assets | 1.2414% | 930 |
| Noninterest expense to average assets | 4.4361% | 581 |
| Loan and lease loss provision to assets | 1.9025% | 159 |
| Net operating income to assets | -2.0511% | 7,072 |
| Return on assets (ROA) | -2.0511% | 7,082 |
| Pretax return on assets | -2.0240% | 7,069 |
| Return on Equity (ROE) | -27.2529% | 7,083 |
| Retained earnings to average equity (ytd only) | -27.2529% | 7,072 |
| Net charge-offs to loans | 3.5950% | 141 |
| Credit loss provision to net charge-offs | 77.0636% | 3,406 |
| Earnings coverage of net charge-offs (x) | -0.0492% | 5,106 |
| Efficiency ratio | 102.6255% | 469 |
| Assets per employee ($millions) | 3.6839% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7518% | 405 |
| Loan loss allowance to noncurrent loans | 24.7995% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 14.3139% | 117 |
| Noncurrent loans to loans | 15.1284% | 97 |
| Net loans and leases to total assets | 62.9325% | 3,248 |
| Net loans and leases to deposits | 68.6410% | 4,099 |
| Net loans and leases to core deposits | 73.5199% | 4,095 |
| Total domestic deposits to total assets | 91.6835% | 283 |
| Equity capital to assets | 7.2004% | 6,870 |
| Core capital (leverage) ratio | 6.6198% | 6,902 |
| Tier 1 risk-based capital ratio | 9.0106% | 6,984 |
| Total risk-based capital ratio | 10.2865% | 6,978 |
| Memoranda: | ||
| Average total assets | $1,255,325,000 | 530 |
| Average earning assets | $1,112,159,000 | 539 |
| Average equity | $94,478,000 | 749 |
| Average total loans | $862,032,330 | 476 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 4,661 |
| Cost of funding earning assets | 0.8030% | 3,453 |
| Net interest margin | 3.5167% | 4,608 |
| Noninterest income to average assets | 1.3460% | 787 |
| Noninterest expense to average assets | 4.2623% | 693 |
| Loan and lease loss provision to assets | 2.4979% | 101 |
| Net operating income to assets | -2.3424% | 7,176 |
| Return on assets (ROA) | -2.3424% | 7,179 |
| Pretax return on assets | -2.2887% | 7,160 |
| Return on Equity (ROE) | -30.4828% | 7,164 |
| Retained earnings to average equity (ytd only) | -30.4828% | 7,133 |
| Net charge-offs to loans | 2.7625% | 278 |
| Credit loss provision to net charge-offs | 128.6899% | 1,883 |
| Earnings coverage of net charge-offs (x) | 0.1078% | 4,316 |
| Efficiency ratio | 95.1383% | 760 |
| Assets per employee ($millions) | 4.1179% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1204% | 335 |
| Loan loss allowance to noncurrent loans | 25.9474% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 14.5386% | 116 |
| Noncurrent loans to loans | 15.8800% | 109 |
| Net loans and leases to total assets | 66.2105% | 2,430 |
| Net loans and leases to deposits | 72.4385% | 3,365 |
| Net loans and leases to core deposits | 78.2250% | 3,294 |
| Total domestic deposits to total assets | 91.4023% | 403 |
| Equity capital to assets | 7.4994% | 6,780 |
| Core capital (leverage) ratio | 6.9042% | 6,876 |
| Tier 1 risk-based capital ratio | 9.2249% | 7,005 |
| Total risk-based capital ratio | 10.5060% | 6,999 |
| Memoranda: | ||
| Average total assets | $1,267,772,500 | 527 |
| Average earning assets | $1,126,752,500 | 531 |
| Average equity | $97,419,000 | 732 |
| Average total loans | $890,786,500 | 460 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 4,094 |
| Cost of funding earning assets | 1.1411% | 2,407 |
| Net interest margin | 3.5950% | 4,754 |
| Noninterest income to average assets | 0.7934% | 2,099 |
| Noninterest expense to average assets | 3.4917% | 1,999 |
| Loan and lease loss provision to assets | 2.7102% | 151 |
| Net operating income to assets | -2.2993% | 7,078 |
| Return on assets (ROA) | -2.0918% | 7,053 |
| Pretax return on assets | -2.0207% | 7,029 |
| Return on Equity (ROE) | -23.4948% | 7,030 |
| Retained earnings to average equity (ytd only) | -23.4948% | 7,018 |
| Net charge-offs to loans | 2.9136% | 345 |
| Credit loss provision to net charge-offs | 130.0871% | 2,356 |
| Earnings coverage of net charge-offs (x) | 0.2314% | 5,653 |
| Efficiency ratio | 87.6497% | 1,388 |
| Assets per employee ($millions) | 4.5028% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6674% | 477 |
| Loan loss allowance to noncurrent loans | 29.7647% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 12.0462% | 207 |
| Noncurrent loans to loans | 12.3213% | 203 |
| Net loans and leases to total assets | 68.8146% | 2,245 |
| Net loans and leases to deposits | 75.5936% | 3,241 |
| Net loans and leases to core deposits | 83.5616% | 2,950 |
| Total domestic deposits to total assets | 91.0323% | 493 |
| Equity capital to assets | 7.8634% | 6,651 |
| Core capital (leverage) ratio | 7.2169% | 6,783 |
| Tier 1 risk-based capital ratio | 9.3798% | 6,983 |
| Total risk-based capital ratio | 10.6558% | 6,970 |
| Memoranda: | ||
| Average total assets | $1,382,527,200 | 478 |
| Average earning assets | $1,223,070,000 | 483 |
| Average equity | $123,091,000 | 564 |
| Average total loans | $988,582,200 | 426 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 4,103 |
| Cost of funding earning assets | 1.1942% | 2,355 |
| Net interest margin | 3.5859% | 4,826 |
| Noninterest income to average assets | 0.9632% | 1,441 |
| Noninterest expense to average assets | 3.2720% | 2,587 |
| Loan and lease loss provision to assets | 1.6285% | 397 |
| Net operating income to assets | -0.4038% | 6,587 |
| Return on assets (ROA) | -0.3355% | 6,586 |
| Pretax return on assets | -0.6611% | 6,716 |
| Return on Equity (ROE) | -3.6696% | 6,606 |
| Retained earnings to average equity (ytd only) | -3.6696% | 6,484 |
| Net charge-offs to loans | 3.0479% | 309 |
| Credit loss provision to net charge-offs | 74.7031% | 4,332 |
| Earnings coverage of net charge-offs (x) | 0.3948% | 5,321 |
| Efficiency ratio | 78.9520% | 2,413 |
| Assets per employee ($millions) | 4.7607% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9927% | 2,357 |
| Loan loss allowance to noncurrent loans | 18.7666% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 11.9867% | 230 |
| Noncurrent loans to loans | 10.6184% | 318 |
| Net loans and leases to total assets | 69.3146% | 2,214 |
| Net loans and leases to deposits | 77.3017% | 3,120 |
| Net loans and leases to core deposits | 86.8555% | 2,665 |
| Total domestic deposits to total assets | 89.6677% | 1,057 |
| Equity capital to assets | 9.3716% | 5,273 |
| Core capital (leverage) ratio | 8.5445% | 5,649 |
| Tier 1 risk-based capital ratio | 10.8826% | 6,614 |
| Total risk-based capital ratio | 12.0641% | 6,635 |
| Memoranda: | ||
| Average total assets | $1,406,205,750 | 477 |
| Average earning assets | $1,242,880,750 | 485 |
| Average equity | $128,547,250 | 546 |
| Average total loans | $1,005,742,500 | 421 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 4,107 |
| Cost of funding earning assets | 1.2303% | 2,380 |
| Net interest margin | 3.5672% | 4,849 |
| Noninterest income to average assets | 0.8747% | 1,732 |
| Noninterest expense to average assets | 3.1776% | 2,980 |
| Loan and lease loss provision to assets | 1.1494% | 695 |
| Net operating income to assets | -0.1262% | 6,383 |
| Return on assets (ROA) | -0.0982% | 6,402 |
| Pretax return on assets | -0.2528% | 6,499 |
| Return on Equity (ROE) | -1.0830% | 6,412 |
| Retained earnings to average equity (ytd only) | -1.0830% | 6,065 |
| Net charge-offs to loans | 2.3667% | 528 |
| Credit loss provision to net charge-offs | 67.6619% | 4,126 |
| Earnings coverage of net charge-offs (x) | 0.5020% | 4,928 |
| Efficiency ratio | 78.6129% | 2,609 |
| Assets per employee ($millions) | 4.7392% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1425% | 2,025 |
| Loan loss allowance to noncurrent loans | 19.6903% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 12.2972% | 246 |
| Noncurrent loans to loans | 10.8812% | 326 |
| Net loans and leases to total assets | 68.2441% | 2,571 |
| Net loans and leases to deposits | 76.8164% | 3,323 |
| Net loans and leases to core deposits | 88.1239% | 2,630 |
| Total domestic deposits to total assets | 88.8405% | 1,638 |
| Equity capital to assets | 9.1699% | 5,323 |
| Core capital (leverage) ratio | 8.6448% | 5,314 |
| Tier 1 risk-based capital ratio | 10.7967% | 6,664 |
| Total risk-based capital ratio | 12.0550% | 6,630 |
| Memoranda: | ||
| Average total assets | $1,419,499,000 | 481 |
| Average earning assets | $1,255,769,330 | 485 |
| Average equity | $128,714,330 | 545 |
| Average total loans | $1,018,883,330 | 426 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9336% | 3,393 |
| Cost of funding earning assets | 1.2777% | 2,320 |
| Net interest margin | 3.6559% | 4,300 |
| Noninterest income to average assets | 0.8776% | 1,737 |
| Noninterest expense to average assets | 3.3014% | 2,558 |
| Loan and lease loss provision to assets | 0.8843% | 918 |
| Net operating income to assets | 0.0127% | 6,323 |
| Return on assets (ROA) | 0.0127% | 6,358 |
| Pretax return on assets | -0.0690% | 6,423 |
| Return on Equity (ROE) | 0.1405% | 6,356 |
| Retained earnings to average equity (ytd only) | 0.1405% | 5,747 |
| Net charge-offs to loans | 2.4420% | 478 |
| Credit loss provision to net charge-offs | 49.7466% | 3,761 |
| Earnings coverage of net charge-offs (x) | 0.4587% | 4,274 |
| Efficiency ratio | 79.9754% | 2,542 |
| Assets per employee ($millions) | 4.2235% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 2,065 |
| Loan loss allowance to noncurrent loans | 23.6733% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 11.1047% | 327 |
| Noncurrent loans to loans | 9.0998% | 486 |
| Net loans and leases to total assets | 71.1493% | 1,892 |
| Net loans and leases to deposits | 79.9980% | 2,726 |
| Net loans and leases to core deposits | 92.6163% | 2,057 |
| Total domestic deposits to total assets | 88.9389% | 1,808 |
| Equity capital to assets | 9.2004% | 4,872 |
| Core capital (leverage) ratio | 8.4899% | 5,477 |
| Tier 1 risk-based capital ratio | 10.6488% | 6,721 |
| Total risk-based capital ratio | 11.9073% | 6,706 |
| Memoranda: | ||
| Average total assets | $1,420,731,000 | 484 |
| Average earning assets | $1,258,798,000 | 494 |
| Average equity | $128,101,500 | 543 |
| Average total loans | $1,034,217,000 | 422 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8063% | 5,387 |
| Cost of funding earning assets | 1.5116% | 2,566 |
| Net interest margin | 3.2947% | 5,996 |
| Noninterest income to average assets | 0.1729% | 6,506 |
| Noninterest expense to average assets | 2.4417% | 5,968 |
| Loan and lease loss provision to assets | 1.9255% | 699 |
| Net operating income to assets | -1.1849% | 6,786 |
| Return on assets (ROA) | -1.1515% | 6,783 |
| Pretax return on assets | -1.1812% | 6,732 |
| Return on Equity (ROE) | -11.9551% | 6,813 |
| Retained earnings to average equity (ytd only) | -12.0241% | 6,765 |
| Net charge-offs to loans | 2.5988% | 711 |
| Credit loss provision to net charge-offs | 100.8434% | 4,510 |
| Earnings coverage of net charge-offs (x) | 0.3718% | 5,735 |
| Efficiency ratio | 77.2011% | 2,839 |
| Assets per employee ($millions) | 4.1961% | 3,391 |
| Cash dividends to net income (ytd only)* | -0.5779% | 7,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3836% | 1,571 |
| Loan loss allowance to noncurrent loans | 32.8301% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 9.2891% | 475 |
| Noncurrent loans to loans | 7.2603% | 757 |
| Net loans and leases to total assets | 71.1342% | 2,274 |
| Net loans and leases to deposits | 79.1877% | 3,307 |
| Net loans and leases to core deposits | 94.3149% | 2,218 |
| Total domestic deposits to total assets | 89.8299% | 1,196 |
| Equity capital to assets | 8.8386% | 5,376 |
| Core capital (leverage) ratio | 8.2136% | 5,804 |
| Tier 1 risk-based capital ratio | 10.5267% | 6,678 |
| Total risk-based capital ratio | 11.7877% | 6,650 |
| Memoranda: | ||
| Average total assets | $1,502,769,800 | 452 |
| Average earning assets | $1,358,682,600 | 454 |
| Average equity | $144,750,400 | 477 |
| Average total loans | $1,104,124,600 | 408 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 5,614 |
| Cost of funding earning assets | 1.5500% | 2,677 |
| Net interest margin | 3.2602% | 6,144 |
| Noninterest income to average assets | 0.3952% | 4,996 |
| Noninterest expense to average assets | 2.1007% | 6,843 |
| Loan and lease loss provision to assets | 0.9151% | 1,652 |
| Net operating income to assets | 0.2476% | 5,362 |
| Return on assets (ROA) | 0.2808% | 5,399 |
| Pretax return on assets | 0.3838% | 5,268 |
| Return on Equity (ROE) | 2.8591% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.7696% | 4,490 |
| Net charge-offs to loans | 2.1530% | 853 |
| Credit loss provision to net charge-offs | 57.7384% | 5,750 |
| Earnings coverage of net charge-offs (x) | 0.7909% | 5,257 |
| Efficiency ratio | 62.3746% | 5,546 |
| Assets per employee ($millions) | 5.3411% | 1,776 |
| Cash dividends to net income (ytd only)* | 3.1289% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 3,672 |
| Loan loss allowance to noncurrent loans | 19.7084% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 7.7615% | 657 |
| Noncurrent loans to loans | 7.9539% | 656 |
| Net loans and leases to total assets | 71.2257% | 2,425 |
| Net loans and leases to deposits | 80.4929% | 3,359 |
| Net loans and leases to core deposits | 96.8351% | 2,162 |
| Total domestic deposits to total assets | 88.4870% | 1,678 |
| Equity capital to assets | 9.9698% | 4,195 |
| Core capital (leverage) ratio | 9.6273% | 3,719 |
| Tier 1 risk-based capital ratio | 11.6659% | 5,764 |
| Total risk-based capital ratio | 12.9184% | 5,738 |
| Memoranda: | ||
| Average total assets | $1,517,595,250 | 448 |
| Average earning assets | $1,377,427,000 | 443 |
| Average equity | $149,042,500 | 458 |
| Average total loans | $1,117,187,750 | 401 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 5,332 |
| Cost of funding earning assets | 1.6282% | 2,491 |
| Net interest margin | 3.2856% | 6,063 |
| Noninterest income to average assets | 0.3487% | 5,359 |
| Noninterest expense to average assets | 1.9710% | 7,155 |
| Loan and lease loss provision to assets | 0.9640% | 1,516 |
| Net operating income to assets | 0.2861% | 5,236 |
| Return on assets (ROA) | 0.3344% | 5,208 |
| Pretax return on assets | 0.4721% | 4,995 |
| Return on Equity (ROE) | 3.4225% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.2876% | 4,008 |
| Net charge-offs to loans | 2.0744% | 871 |
| Credit loss provision to net charge-offs | 62.7713% | 5,138 |
| Earnings coverage of net charge-offs (x) | 0.8908% | 4,877 |
| Efficiency ratio | 58.7727% | 6,262 |
| Assets per employee ($millions) | 6.5838% | 925 |
| Cash dividends to net income (ytd only)* | 3.9401% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 2,610 |
| Loan loss allowance to noncurrent loans | 21.8359% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 7.6232% | 668 |
| Noncurrent loans to loans | 8.4136% | 598 |
| Net loans and leases to total assets | 72.3025% | 2,321 |
| Net loans and leases to deposits | 81.3046% | 3,384 |
| Net loans and leases to core deposits | 99.2545% | 2,097 |
| Total domestic deposits to total assets | 88.9279% | 1,480 |
| Equity capital to assets | 9.8895% | 4,153 |
| Core capital (leverage) ratio | 9.4094% | 3,948 |
| Tier 1 risk-based capital ratio | 11.5910% | 5,680 |
| Total risk-based capital ratio | 12.8460% | 5,638 |
| Memoranda: | ||
| Average total assets | $1,517,831,670 | 449 |
| Average earning assets | $1,381,436,670 | 444 |
| Average equity | $148,313,000 | 457 |
| Average total loans | $1,123,710,670 | 405 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8986% | 5,464 |
| Cost of funding earning assets | 1.7146% | 2,315 |
| Net interest margin | 3.1839% | 6,341 |
| Noninterest income to average assets | 0.4541% | 4,429 |
| Noninterest expense to average assets | 1.8763% | 7,370 |
| Loan and lease loss provision to assets | 1.0703% | 1,154 |
| Net operating income to assets | 0.2970% | 5,312 |
| Return on assets (ROA) | 0.2977% | 5,440 |
| Pretax return on assets | 0.4119% | 5,254 |
| Return on Equity (ROE) | 3.0652% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.0652% | 4,298 |
| Net charge-offs to loans | 1.7211% | 1,009 |
| Credit loss provision to net charge-offs | 83.7832% | 3,791 |
| Earnings coverage of net charge-offs (x) | 1.1595% | 4,069 |
| Efficiency ratio | 55.6331% | 6,820 |
| Assets per employee ($millions) | 7.0351% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1453% | 1,862 |
| Loan loss allowance to noncurrent loans | 22.1175% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 8.5362% | 554 |
| Noncurrent loans to loans | 9.6997% | 446 |
| Net loans and leases to total assets | 71.1801% | 2,654 |
| Net loans and leases to deposits | 80.3010% | 3,605 |
| Net loans and leases to core deposits | 98.0832% | 2,334 |
| Total domestic deposits to total assets | 88.6415% | 1,709 |
| Equity capital to assets | 9.6398% | 4,320 |
| Core capital (leverage) ratio | 9.4329% | 3,876 |
| Tier 1 risk-based capital ratio | 11.3479% | 5,812 |
| Total risk-based capital ratio | 12.6063% | 5,776 |
| Memoranda: | ||
| Average total assets | $1,519,607,500 | 462 |
| Average earning assets | $1,385,713,000 | 461 |
| Average equity | $147,592,500 | 464 |
| Average total loans | $1,127,889,500 | 423 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 6,689 |
| Cost of funding earning assets | 2.4119% | 1,262 |
| Net interest margin | 2.4970% | 7,431 |
| Noninterest income to average assets | 0.2470% | 6,334 |
| Noninterest expense to average assets | 1.9184% | 7,474 |
| Loan and lease loss provision to assets | 1.5781% | 1,454 |
| Net operating income to assets | -0.5194% | 6,201 |
| Return on assets (ROA) | -0.4876% | 6,158 |
| Pretax return on assets | -0.8740% | 6,324 |
| Return on Equity (ROE) | -4.8847% | 6,200 |
| Retained earnings to average equity (ytd only) | -6.6484% | 6,210 |
| Net charge-offs to loans | 1.6947% | 1,486 |
| Credit loss provision to net charge-offs | 123.0926% | 4,292 |
| Earnings coverage of net charge-offs (x) | 0.5105% | 5,604 |
| Efficiency ratio | 74.2339% | 3,850 |
| Assets per employee ($millions) | 6.7501% | 885 |
| Cash dividends to net income (ytd only)* | -36.1059% | 7,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1875% | 1,671 |
| Loan loss allowance to noncurrent loans | 24.5305% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 7.4455% | 652 |
| Noncurrent loans to loans | 8.9176% | 513 |
| Net loans and leases to total assets | 74.0890% | 2,257 |
| Net loans and leases to deposits | 86.4573% | 2,832 |
| Net loans and leases to core deposits | 128.8637% | 1,341 |
| Total domestic deposits to total assets | 85.6943% | 3,168 |
| Equity capital to assets | 9.7873% | 4,020 |
| Core capital (leverage) ratio | 9.3380% | 3,917 |
| Tier 1 risk-based capital ratio | 11.1818% | 5,740 |
| Total risk-based capital ratio | 12.4408% | 5,691 |
| Memoranda: | ||
| Average total assets | $1,533,491,200 | 449 |
| Average earning assets | $1,428,439,000 | 440 |
| Average equity | $153,090,400 | 444 |
| Average total loans | $1,160,120,600 | 417 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 6,929 |
| Cost of funding earning assets | 2.4792% | 1,369 |
| Net interest margin | 2.4011% | 7,565 |
| Noninterest income to average assets | 0.2700% | 6,303 |
| Noninterest expense to average assets | 1.7758% | 7,685 |
| Loan and lease loss provision to assets | 0.7046% | 2,618 |
| Net operating income to assets | 0.0481% | 5,610 |
| Return on assets (ROA) | 0.0870% | 5,558 |
| Pretax return on assets | 0.0758% | 5,566 |
| Return on Equity (ROE) | 0.8671% | 5,538 |
| Retained earnings to average equity (ytd only) | -0.4258% | 5,325 |
| Net charge-offs to loans | 1.3685% | 1,503 |
| Credit loss provision to net charge-offs | 68.0755% | 6,020 |
| Earnings coverage of net charge-offs (x) | 0.7164% | 5,320 |
| Efficiency ratio | 70.2109% | 4,549 |
| Assets per employee ($millions) | 6.8670% | 836 |
| Cash dividends to net income (ytd only)* | 149.1053% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 3,818 |
| Loan loss allowance to noncurrent loans | 22.2126% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 5.5588% | 1,021 |
| Noncurrent loans to loans | 6.4073% | 903 |
| Net loans and leases to total assets | 74.8207% | 2,287 |
| Net loans and leases to deposits | 88.6589% | 2,844 |
| Net loans and leases to core deposits | 130.4465% | 1,409 |
| Total domestic deposits to total assets | 84.3916% | 3,534 |
| Equity capital to assets | 10.2694% | 3,764 |
| Core capital (leverage) ratio | 9.7264% | 3,611 |
| Tier 1 risk-based capital ratio | 11.6578% | 5,288 |
| Total risk-based capital ratio | 12.9082% | 5,225 |
| Memoranda: | ||
| Average total assets | $1,542,233,750 | 456 |
| Average earning assets | $1,443,452,750 | 450 |
| Average equity | $154,696,750 | 451 |
| Average total loans | $1,166,383,500 | 432 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8554% | 7,125 |
| Cost of funding earning assets | 2.5558% | 1,423 |
| Net interest margin | 2.2995% | 7,675 |
| Noninterest income to average assets | 0.3134% | 6,001 |
| Noninterest expense to average assets | 1.7596% | 7,785 |
| Loan and lease loss provision to assets | 0.3553% | 3,794 |
| Net operating income to assets | 0.2529% | 5,075 |
| Return on assets (ROA) | 0.2529% | 5,169 |
| Pretax return on assets | 0.3541% | 5,061 |
| Return on Equity (ROE) | 2.5416% | 5,086 |
| Retained earnings to average equity (ytd only) | 0.5945% | 4,951 |
| Net charge-offs to loans | 0.6307% | 2,456 |
| Credit loss provision to net charge-offs | 74.5662% | 5,329 |
| Earnings coverage of net charge-offs (x) | 1.4889% | 4,416 |
| Efficiency ratio | 70.9293% | 4,601 |
| Assets per employee ($millions) | 7.1424% | 728 |
| Cash dividends to net income (ytd only)* | 76.6088% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 2,417 |
| Loan loss allowance to noncurrent loans | 34.9112% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 4.0329% | 1,457 |
| Noncurrent loans to loans | 4.8093% | 1,295 |
| Net loans and leases to total assets | 72.1208% | 3,191 |
| Net loans and leases to deposits | 83.8143% | 3,917 |
| Net loans and leases to core deposits | 118.2718% | 2,524 |
| Total domestic deposits to total assets | 86.0484% | 2,766 |
| Equity capital to assets | 10.0018% | 3,937 |
| Core capital (leverage) ratio | 9.7104% | 3,621 |
| Tier 1 risk-based capital ratio | 11.7777% | 5,124 |
| Total risk-based capital ratio | 13.0309% | 5,037 |
| Memoranda: | ||
| Average total assets | $1,548,153,670 | 468 |
| Average earning assets | $1,451,261,330 | 456 |
| Average equity | $154,077,330 | 460 |
| Average total loans | $1,169,481,330 | 443 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 6,992 |
| Cost of funding earning assets | 2.6562% | 1,389 |
| Net interest margin | 2.3193% | 7,695 |
| Noninterest income to average assets | 0.2223% | 6,694 |
| Noninterest expense to average assets | 1.7236% | 7,797 |
| Loan and lease loss provision to assets | 0.3905% | 2,986 |
| Net operating income to assets | 0.2101% | 5,631 |
| Return on assets (ROA) | 0.2101% | 5,793 |
| Pretax return on assets | 0.2824% | 5,724 |
| Return on Equity (ROE) | 2.1162% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.1162% | 4,689 |
| Net charge-offs to loans | 0.8595% | 1,519 |
| Credit loss provision to net charge-offs | 59.2651% | 4,532 |
| Earnings coverage of net charge-offs (x) | 1.0213% | 4,258 |
| Efficiency ratio | 71.5729% | 4,254 |
| Assets per employee ($millions) | 7.2522% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 2,385 |
| Loan loss allowance to noncurrent loans | 44.7125% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 3.0833% | 1,832 |
| Noncurrent loans to loans | 3.6558% | 1,713 |
| Net loans and leases to total assets | 73.9843% | 2,759 |
| Net loans and leases to deposits | 86.2157% | 3,589 |
| Net loans and leases to core deposits | 119.4910% | 2,464 |
| Total domestic deposits to total assets | 85.8131% | 2,818 |
| Equity capital to assets | 10.0674% | 3,923 |
| Core capital (leverage) ratio | 10.0353% | 3,372 |
| Tier 1 risk-based capital ratio | 11.5738% | 5,344 |
| Total risk-based capital ratio | 12.8266% | 5,234 |
| Memoranda: | ||
| Average total assets | $1,536,563,000 | 475 |
| Average earning assets | $1,440,407,000 | 462 |
| Average equity | $152,535,000 | 458 |
| Average total loans | $1,177,916,000 | 449 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1418% | 4,819 |
| Cost of funding earning assets | 3.1199% | 1,452 |
| Net interest margin | 3.0219% | 6,852 |
| Noninterest income to average assets | 0.3477% | 5,955 |
| Noninterest expense to average assets | 1.8510% | 7,690 |
| Loan and lease loss provision to assets | 0.9275% | 1,604 |
| Net operating income to assets | 0.2560% | 5,689 |
| Return on assets (ROA) | 0.2558% | 5,506 |
| Pretax return on assets | 0.3721% | 5,328 |
| Return on Equity (ROE) | 2.7593% | 5,320 |
| Retained earnings to average equity (ytd only) | -5.1981% | 6,542 |
| Net charge-offs to loans | 0.9418% | 1,309 |
| Credit loss provision to net charge-offs | 119.4678% | 4,505 |
| Earnings coverage of net charge-offs (x) | 1.6743% | 5,247 |
| Efficiency ratio | 58.4586% | 6,611 |
| Assets per employee ($millions) | 6.7563% | 786 |
| Cash dividends to net income (ytd only)* | 288.3823% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 1,838 |
| Loan loss allowance to noncurrent loans | 47.8335% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 3.0550% | 1,498 |
| Noncurrent loans to loans | 3.6020% | 1,400 |
| Net loans and leases to total assets | 76.8152% | 2,424 |
| Net loans and leases to deposits | 89.4065% | 3,551 |
| Net loans and leases to core deposits | 118.4885% | 2,836 |
| Total domestic deposits to total assets | 85.9167% | 2,439 |
| Equity capital to assets | 9.7811% | 4,319 |
| Core capital (leverage) ratio | 9.6615% | 3,813 |
| Tier 1 risk-based capital ratio | 10.6313% | 6,065 |
| Total risk-based capital ratio | 11.8850% | 5,963 |
| Memoranda: | ||
| Average total assets | $1,423,156,400 | 488 |
| Average earning assets | $1,320,181,800 | 479 |
| Average equity | $131,951,600 | 528 |
| Average total loans | $1,173,193,400 | 444 |