Home > California Republic Bank > Performance and Condition Ratios
California Republic Bank, Performance and Condition Ratios
| 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 | 4.6811% | 1,107 |
| Cost of funding earning assets | 0.2987% | 4,114 |
| Net interest margin | 4.3824% | 804 |
| Noninterest income to average assets | 1.4285% | 585 |
| Noninterest expense to average assets | 4.5615% | 363 |
| Loan and lease loss provision to assets | 0.3598% | 438 |
| Net operating income to assets | 0.4333% | 4,925 |
| Return on assets (ROA) | 0.4333% | 5,009 |
| Pretax return on assets | 0.7450% | 4,489 |
| Return on Equity (ROE) | 5.3861% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.3861% | 2,558 |
| Net charge-offs to loans | 0.2307% | 1,019 |
| Credit loss provision to net charge-offs | 208.0758% | 1,403 |
| Earnings coverage of net charge-offs (x) | 6.3894% | 3,004 |
| Efficiency ratio | 80.4463% | 1,384 |
| Assets per employee ($millions) | 4.3641% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 5,466 |
| Loan loss allowance to noncurrent loans | 1,002.8974% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 5,245 |
| Noncurrent loans to loans | 0.0678% | 5,073 |
| Net loans and leases to total assets | 79.4668% | 972 |
| Net loans and leases to deposits | 112.8367% | 207 |
| Net loans and leases to core deposits | 128.4563% | 319 |
| Total domestic deposits to total assets | 70.4264% | 5,672 |
| Equity capital to assets | 6.9786% | 5,889 |
| Core capital (leverage) ratio | 7.9818% | 5,697 |
| Tier 1 risk-based capital ratio | 8.8443% | 5,924 |
| Total risk-based capital ratio | 10.9650% | 5,832 |
| Memoranda: | ||
| Average total assets | $1,871,505,500 | 416 |
| Average earning assets | $1,809,748,000 | 396 |
| Average equity | $150,556,750 | 527 |
| Average total loans | $1,402,639,000 | 395 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8691% | 772 |
| Cost of funding earning assets | 0.3136% | 3,979 |
| Net interest margin | 4.5556% | 544 |
| Noninterest income to average assets | 1.5252% | 517 |
| Noninterest expense to average assets | 4.7308% | 316 |
| Loan and lease loss provision to assets | 0.4414% | 329 |
| Net operating income to assets | 0.4355% | 4,921 |
| Return on assets (ROA) | 0.4355% | 5,006 |
| Pretax return on assets | 0.7509% | 4,449 |
| Return on Equity (ROE) | 5.1259% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.1259% | 2,644 |
| Net charge-offs to loans | 0.2624% | 917 |
| Credit loss provision to net charge-offs | 231.0448% | 1,175 |
| Earnings coverage of net charge-offs (x) | 6.2406% | 2,769 |
| Efficiency ratio | 79.8128% | 1,515 |
| Assets per employee ($millions) | 3.5875% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 5,037 |
| Loan loss allowance to noncurrent loans | 1,519.7659% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 5,408 |
| Noncurrent loans to loans | 0.0575% | 5,223 |
| Net loans and leases to total assets | 72.2364% | 2,129 |
| Net loans and leases to deposits | 80.9315% | 2,825 |
| Net loans and leases to core deposits | 90.9437% | 2,442 |
| Total domestic deposits to total assets | 89.2562% | 782 |
| Equity capital to assets | 8.3080% | 5,691 |
| Core capital (leverage) ratio | 8.3724% | 5,469 |
| Tier 1 risk-based capital ratio | 11.7779% | 4,989 |
| Total risk-based capital ratio | 14.6159% | 3,894 |
| Memoranda: | ||
| Average total assets | $1,753,449,000 | 445 |
| Average earning assets | $1,692,742,000 | 419 |
| Average equity | $148,968,670 | 534 |
| Average total loans | $1,276,589,330 | 422 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 675 |
| Cost of funding earning assets | 0.3326% | 3,805 |
| Net interest margin | 4.5877% | 511 |
| Noninterest income to average assets | 0.7092% | 1,996 |
| Noninterest expense to average assets | 4.6366% | 348 |
| Loan and lease loss provision to assets | 0.3879% | 367 |
| Net operating income to assets | 0.0619% | 5,727 |
| Return on assets (ROA) | 0.0619% | 5,766 |
| Pretax return on assets | 0.1070% | 5,729 |
| Return on Equity (ROE) | 0.7203% | 5,737 |
| Retained earnings to average equity (ytd only) | 0.7203% | 4,928 |
| Net charge-offs to loans | 0.2460% | 836 |
| Credit loss provision to net charge-offs | 216.7102% | 1,028 |
| Earnings coverage of net charge-offs (x) | 2.7650% | 2,637 |
| Efficiency ratio | 90.2869% | 659 |
| Assets per employee ($millions) | 3.6446% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 5,270 |
| Loan loss allowance to noncurrent loans | 879.4242% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 5,334 |
| Noncurrent loans to loans | 0.0951% | 5,092 |
| Net loans and leases to total assets | 69.6547% | 2,399 |
| Net loans and leases to deposits | 78.0104% | 3,005 |
| Net loans and leases to core deposits | 84.9365% | 2,849 |
| Total domestic deposits to total assets | 89.2889% | 955 |
| Equity capital to assets | 8.3720% | 5,655 |
| Core capital (leverage) ratio | 8.2631% | 5,601 |
| Tier 1 risk-based capital ratio | 11.8995% | 4,978 |
| Total risk-based capital ratio | 14.7330% | 3,917 |
| Memoranda: | ||
| Average total assets | $1,711,780,500 | 457 |
| Average earning assets | $1,650,075,500 | 426 |
| Average equity | $147,153,000 | 538 |
| Average total loans | $1,245,626,500 | 428 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 789 |
| Cost of funding earning assets | 0.2771% | 4,510 |
| Net interest margin | 4.6128% | 530 |
| Noninterest income to average assets | 2.2762% | 297 |
| Noninterest expense to average assets | 4.9862% | 281 |
| Loan and lease loss provision to assets | 0.3456% | 433 |
| Net operating income to assets | 0.8164% | 3,268 |
| Return on assets (ROA) | 0.8164% | 3,349 |
| Pretax return on assets | 1.4027% | 1,888 |
| Return on Equity (ROE) | 8.6674% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.6674% | 739 |
| Net charge-offs to loans | 0.1420% | 1,928 |
| Credit loss provision to net charge-offs | 346.2440% | 861 |
| Earnings coverage of net charge-offs (x) | 17.5169% | 2,068 |
| Efficiency ratio | 73.9784% | 2,583 |
| Assets per employee ($millions) | 3.5272% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 5,506 |
| Loan loss allowance to noncurrent loans | 1,177.6675% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 5,485 |
| Noncurrent loans to loans | 0.0645% | 5,250 |
| Net loans and leases to total assets | 74.9660% | 1,577 |
| Net loans and leases to deposits | 100.6615% | 634 |
| Net loans and leases to core deposits | 108.0136% | 972 |
| Total domestic deposits to total assets | 74.4734% | 5,601 |
| Equity capital to assets | 8.8450% | 5,270 |
| Core capital (leverage) ratio | 8.2522% | 5,644 |
| Tier 1 risk-based capital ratio | 11.6557% | 5,158 |
| Total risk-based capital ratio | 14.3932% | 4,132 |
| Memoranda: | ||
| Average total assets | $1,453,809,800 | 492 |
| Average earning assets | $1,405,129,400 | 463 |
| Average equity | $136,938,400 | 551 |
| Average total loans | $1,022,096,400 | 473 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 953 |
| Cost of funding earning assets | 0.2735% | 4,627 |
| Net interest margin | 4.5197% | 619 |
| Noninterest income to average assets | 2.6393% | 248 |
| Noninterest expense to average assets | 4.9189% | 294 |
| Loan and lease loss provision to assets | 0.3682% | 355 |
| Net operating income to assets | 1.0292% | 2,334 |
| Return on assets (ROA) | 1.0292% | 2,421 |
| Pretax return on assets | 1.7279% | 1,037 |
| Return on Equity (ROE) | 10.7333% | 1,811 |
| Retained earnings to average equity (ytd only) | 10.7333% | 514 |
| Net charge-offs to loans | 0.1214% | 1,911 |
| Credit loss provision to net charge-offs | 440.9556% | 707 |
| Earnings coverage of net charge-offs (x) | 25.1047% | 1,675 |
| Efficiency ratio | 70.0594% | 3,205 |
| Assets per employee ($millions) | 3.9201% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 5,657 |
| Loan loss allowance to noncurrent loans | 1,390.9516% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 5,631 |
| Noncurrent loans to loans | 0.0525% | 5,409 |
| Net loans and leases to total assets | 72.7028% | 1,956 |
| Net loans and leases to deposits | 88.4531% | 1,840 |
| Net loans and leases to core deposits | 97.3362% | 1,757 |
| Total domestic deposits to total assets | 82.1935% | 4,104 |
| Equity capital to assets | 8.7380% | 5,551 |
| Core capital (leverage) ratio | 8.4242% | 5,609 |
| Tier 1 risk-based capital ratio | 12.0674% | 5,038 |
| Total risk-based capital ratio | 14.8865% | 3,989 |
| Memoranda: | ||
| Average total assets | $1,403,695,750 | 507 |
| Average earning assets | $1,358,962,250 | 476 |
| Average equity | $134,593,000 | 563 |
| Average total loans | $965,213,250 | 493 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 1,306 |
| Cost of funding earning assets | 0.2663% | 4,756 |
| Net interest margin | 4.3228% | 878 |
| Noninterest income to average assets | 3.0291% | 211 |
| Noninterest expense to average assets | 5.1805% | 257 |
| Loan and lease loss provision to assets | 0.3249% | 429 |
| Net operating income to assets | 1.0410% | 2,172 |
| Return on assets (ROA) | 1.0410% | 2,293 |
| Pretax return on assets | 1.7071% | 1,075 |
| Return on Equity (ROE) | 10.4650% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.4650% | 588 |
| Net charge-offs to loans | 0.1302% | 1,718 |
| Credit loss provision to net charge-offs | 373.1239% | 790 |
| Earnings coverage of net charge-offs (x) | 23.3386% | 1,611 |
| Efficiency ratio | 71.7635% | 3,032 |
| Assets per employee ($millions) | 3.7532% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7052% | 5,807 |
| Loan loss allowance to noncurrent loans | 2,254.2169% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,802 |
| Noncurrent loans to loans | 0.0313% | 5,626 |
| Net loans and leases to total assets | 71.0848% | 2,147 |
| Net loans and leases to deposits | 85.9789% | 2,056 |
| Net loans and leases to core deposits | 86.0139% | 2,764 |
| Total domestic deposits to total assets | 82.6770% | 4,066 |
| Equity capital to assets | 9.4650% | 4,689 |
| Core capital (leverage) ratio | 10.1213% | 3,438 |
| Tier 1 risk-based capital ratio | 13.2279% | 4,388 |
| Total risk-based capital ratio | 16.2775% | 3,274 |
| Memoranda: | ||
| Average total assets | $1,316,251,330 | 539 |
| Average earning assets | $1,273,801,670 | 509 |
| Average equity | $130,931,330 | 584 |
| Average total loans | $880,229,330 | 540 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 1,244 |
| Cost of funding earning assets | 0.2740% | 4,738 |
| Net interest margin | 4.3187% | 845 |
| Noninterest income to average assets | 3.4005% | 194 |
| Noninterest expense to average assets | 5.4548% | 231 |
| Loan and lease loss provision to assets | 0.2280% | 763 |
| Net operating income to assets | 1.1276% | 1,762 |
| Return on assets (ROA) | 1.1276% | 1,868 |
| Pretax return on assets | 1.8950% | 725 |
| Return on Equity (ROE) | 11.0142% | 1,632 |
| Retained earnings to average equity (ytd only) | 11.0142% | 719 |
| Net charge-offs to loans | 0.1996% | 1,135 |
| Credit loss provision to net charge-offs | 178.4264% | 1,136 |
| Earnings coverage of net charge-offs (x) | 16.6117% | 1,560 |
| Efficiency ratio | 71.9190% | 3,182 |
| Assets per employee ($millions) | 3.7681% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 5,811 |
| Loan loss allowance to noncurrent loans | 1,592.8389% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 5,823 |
| Noncurrent loans to loans | 0.0469% | 5,598 |
| Net loans and leases to total assets | 61.4484% | 3,460 |
| Net loans and leases to deposits | 71.0410% | 3,636 |
| Net loans and leases to core deposits | 71.0712% | 4,056 |
| Total domestic deposits to total assets | 86.4970% | 2,669 |
| Equity capital to assets | 9.5291% | 4,713 |
| Core capital (leverage) ratio | 10.4718% | 3,008 |
| Tier 1 risk-based capital ratio | 14.9289% | 3,467 |
| Total risk-based capital ratio | 18.5913% | 2,319 |
| Memoranda: | ||
| Average total assets | $1,233,115,000 | 572 |
| Average earning assets | $1,192,765,000 | 542 |
| Average equity | $126,236,500 | 608 |
| Average total loans | $789,677,500 | 585 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 1,130 |
| Cost of funding earning assets | 0.2449% | 5,376 |
| Net interest margin | 4.5476% | 684 |
| Noninterest income to average assets | 3.2254% | 175 |
| Noninterest expense to average assets | 5.2453% | 268 |
| Loan and lease loss provision to assets | 0.2369% | 1,005 |
| Net operating income to assets | 1.2732% | 1,363 |
| Return on assets (ROA) | 1.2735% | 1,414 |
| Pretax return on assets | 2.1270% | 384 |
| Return on Equity (ROE) | 15.5628% | 689 |
| Retained earnings to average equity (ytd only) | 15.5628% | 132 |
| Net charge-offs to loans | 0.1394% | 2,629 |
| Credit loss provision to net charge-offs | 276.5356% | 919 |
| Earnings coverage of net charge-offs (x) | 27.5897% | 1,427 |
| Efficiency ratio | 68.9386% | 3,723 |
| Assets per employee ($millions) | 3.5702% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 5,792 |
| Loan loss allowance to noncurrent loans | 1,586.8633% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 5,910 |
| Noncurrent loans to loans | 0.0500% | 5,679 |
| Net loans and leases to total assets | 66.0646% | 2,867 |
| Net loans and leases to deposits | 77.0628% | 3,076 |
| Net loans and leases to core deposits | 77.1025% | 3,603 |
| Total domestic deposits to total assets | 85.7283% | 2,971 |
| Equity capital to assets | 11.0869% | 2,821 |
| Core capital (leverage) ratio | 11.8026% | 1,761 |
| Tier 1 risk-based capital ratio | 16.2310% | 2,846 |
| Total risk-based capital ratio | 20.2917% | 1,800 |
| Memoranda: | ||
| Average total assets | $950,265,600 | 705 |
| Average earning assets | $915,919,400 | 669 |
| Average equity | $77,762,400 | 943 |
| Average total loans | $584,113,400 | 752 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 1,250 |
| Cost of funding earning assets | 0.2438% | 5,466 |
| Net interest margin | 4.4819% | 771 |
| Noninterest income to average assets | 3.2606% | 174 |
| Noninterest expense to average assets | 5.0926% | 288 |
| Loan and lease loss provision to assets | 0.1663% | 1,489 |
| Net operating income to assets | 1.4152% | 1,098 |
| Return on assets (ROA) | 1.4152% | 1,136 |
| Pretax return on assets | 2.3195% | 295 |
| Return on Equity (ROE) | 19.4215% | 316 |
| Retained earnings to average equity (ytd only) | 19.4215% | 78 |
| Net charge-offs to loans | 0.1366% | 2,432 |
| Credit loss provision to net charge-offs | 203.2316% | 1,249 |
| Earnings coverage of net charge-offs (x) | 30.3787% | 1,359 |
| Efficiency ratio | 67.1985% | 4,010 |
| Assets per employee ($millions) | 3.6150% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 5,818 |
| Loan loss allowance to noncurrent loans | 2,151.9149% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 6,076 |
| Noncurrent loans to loans | 0.0382% | 5,867 |
| Net loans and leases to total assets | 62.0331% | 3,478 |
| Net loans and leases to deposits | 67.3852% | 4,196 |
| Net loans and leases to core deposits | 67.4220% | 4,568 |
| Total domestic deposits to total assets | 92.0574% | 150 |
| Equity capital to assets | 7.2356% | 6,350 |
| Core capital (leverage) ratio | 7.5643% | 6,253 |
| Tier 1 risk-based capital ratio | 11.3474% | 5,864 |
| Total risk-based capital ratio | 12.1773% | 5,980 |
| Memoranda: | ||
| Average total assets | $907,575,000 | 740 |
| Average earning assets | $874,344,500 | 703 |
| Average equity | $66,131,250 | 1,117 |
| Average total loans | $543,511,250 | 814 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,514 |
| Cost of funding earning assets | 0.2550% | 5,440 |
| Net interest margin | 4.3514% | 935 |
| Noninterest income to average assets | 3.2205% | 180 |
| Noninterest expense to average assets | 4.7963% | 356 |
| Loan and lease loss provision to assets | 0.1856% | 1,322 |
| Net operating income to assets | 1.4187% | 1,022 |
| Return on assets (ROA) | 1.4187% | 1,063 |
| Pretax return on assets | 2.4240% | 246 |
| Return on Equity (ROE) | 19.4199% | 323 |
| Retained earnings to average equity (ytd only) | 19.4199% | 92 |
| Net charge-offs to loans | 0.0981% | 2,697 |
| Credit loss provision to net charge-offs | 321.1765% | 810 |
| Earnings coverage of net charge-offs (x) | 45.1490% | 971 |
| Efficiency ratio | 64.7630% | 4,573 |
| Assets per employee ($millions) | 3.8680% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 5,806 |
| Loan loss allowance to noncurrent loans | 4,427.1930% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 6,212 |
| Noncurrent loans to loans | 0.0197% | 6,011 |
| Net loans and leases to total assets | 60.5447% | 3,625 |
| Net loans and leases to deposits | 66.0894% | 4,262 |
| Net loans and leases to core deposits | 66.1271% | 4,627 |
| Total domestic deposits to total assets | 91.6103% | 234 |
| Equity capital to assets | 7.1624% | 6,419 |
| Core capital (leverage) ratio | 8.0216% | 6,083 |
| Tier 1 risk-based capital ratio | 11.0975% | 6,014 |
| Total risk-based capital ratio | 11.9510% | 6,124 |
| Memoranda: | ||
| Average total assets | $882,340,330 | 761 |
| Average earning assets | $848,701,000 | 719 |
| Average equity | $64,459,670 | 1,137 |
| Average total loans | $519,676,670 | 847 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6914% | 1,271 |
| Cost of funding earning assets | 0.2812% | 5,268 |
| Net interest margin | 4.4102% | 788 |
| Noninterest income to average assets | 2.9635% | 193 |
| Noninterest expense to average assets | 4.7538% | 367 |
| Loan and lease loss provision to assets | 0.0089% | 3,707 |
| Net operating income to assets | 1.4024% | 983 |
| Return on assets (ROA) | 1.4024% | 1,027 |
| Pretax return on assets | 2.4541% | 241 |
| Return on Equity (ROE) | 18.9890% | 364 |
| Retained earnings to average equity (ytd only) | 18.9890% | 145 |
| Net charge-offs to loans | 0.1085% | 2,093 |
| Credit loss provision to net charge-offs | 14.2857% | 2,568 |
| Earnings coverage of net charge-offs (x) | 39.3383% | 886 |
| Efficiency ratio | 65.8708% | 4,548 |
| Assets per employee ($millions) | 3.8973% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 5,867 |
| Loan loss allowance to noncurrent loans | 2,110.1449% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 6,222 |
| Noncurrent loans to loans | 0.0426% | 6,021 |
| Net loans and leases to total assets | 57.1769% | 3,973 |
| Net loans and leases to deposits | 62.6451% | 4,471 |
| Net loans and leases to core deposits | 62.6658% | 4,813 |
| Total domestic deposits to total assets | 91.2712% | 457 |
| Equity capital to assets | 7.6665% | 6,245 |
| Core capital (leverage) ratio | 7.9466% | 6,149 |
| Tier 1 risk-based capital ratio | 13.1406% | 4,929 |
| Total risk-based capital ratio | 14.0668% | 5,060 |
| Memoranda: | ||
| Average total assets | $849,680,500 | 796 |
| Average earning assets | $819,456,500 | 757 |
| Average equity | $62,752,000 | 1,166 |
| Average total loans | $490,112,500 | 907 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 2,233 |
| Cost of funding earning assets | 0.3269% | 5,356 |
| Net interest margin | 4.1665% | 1,451 |
| Noninterest income to average assets | 1.6762% | 514 |
| Noninterest expense to average assets | 4.4785% | 536 |
| Loan and lease loss provision to assets | -0.0192% | 6,294 |
| Net operating income to assets | 0.7268% | 3,674 |
| Return on assets (ROA) | 0.7268% | 3,761 |
| Pretax return on assets | 1.2565% | 2,331 |
| Return on Equity (ROE) | 9.1323% | 2,477 |
| Retained earnings to average equity (ytd only) | 9.1323% | 744 |
| Net charge-offs to loans | 0.1131% | 3,690 |
| Credit loss provision to net charge-offs | -26.0708% | 5,731 |
| Earnings coverage of net charge-offs (x) | 16.7654% | 1,772 |
| Efficiency ratio | 78.3540% | 2,412 |
| Assets per employee ($millions) | 4.3976% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 5,904 |
| Loan loss allowance to noncurrent loans | 2,275.1269% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 6,332 |
| Noncurrent loans to loans | 0.0398% | 6,125 |
| Net loans and leases to total assets | 57.1457% | 4,173 |
| Net loans and leases to deposits | 62.0025% | 4,719 |
| Net loans and leases to core deposits | 62.0225% | 5,050 |
| Total domestic deposits to total assets | 92.1668% | 254 |
| Equity capital to assets | 7.1094% | 6,432 |
| Core capital (leverage) ratio | 7.5216% | 6,360 |
| Tier 1 risk-based capital ratio | 11.9398% | 5,648 |
| Total risk-based capital ratio | 12.8538% | 5,791 |
| Memoranda: | ||
| Average total assets | $727,670,800 | 913 |
| Average earning assets | $705,508,600 | 857 |
| Average equity | $57,915,600 | 1,245 |
| Average total loans | $474,964,000 | 895 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,133 |
| Cost of funding earning assets | 0.3416% | 5,370 |
| Net interest margin | 4.1854% | 1,382 |
| Noninterest income to average assets | 1.2677% | 916 |
| Noninterest expense to average assets | 4.3487% | 600 |
| Loan and lease loss provision to assets | 0.1419% | 2,513 |
| Net operating income to assets | 0.4833% | 4,876 |
| Return on assets (ROA) | 0.4833% | 5,033 |
| Pretax return on assets | 0.8333% | 4,176 |
| Return on Equity (ROE) | 5.8788% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.8788% | 2,488 |
| Net charge-offs to loans | 0.1234% | 3,306 |
| Credit loss provision to net charge-offs | 170.1149% | 1,399 |
| Earnings coverage of net charge-offs (x) | 11.6896% | 2,212 |
| Efficiency ratio | 81.6823% | 1,870 |
| Assets per employee ($millions) | 4.3175% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 5,983 |
| Loan loss allowance to noncurrent loans | 8,035.2941% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,481 |
| Noncurrent loans to loans | 0.0116% | 6,334 |
| Net loans and leases to total assets | 73.0036% | 1,453 |
| Net loans and leases to deposits | 79.4845% | 2,481 |
| Net loans and leases to core deposits | 79.5120% | 3,178 |
| Total domestic deposits to total assets | 91.8463% | 273 |
| Equity capital to assets | 7.2862% | 6,467 |
| Core capital (leverage) ratio | 7.6033% | 6,405 |
| Tier 1 risk-based capital ratio | 9.5875% | 6,673 |
| Total risk-based capital ratio | 10.5224% | 6,691 |
| Memoranda: | ||
| Average total assets | $695,203,750 | 956 |
| Average earning assets | $673,753,250 | 901 |
| Average equity | $57,153,000 | 1,265 |
| Average total loans | $470,072,750 | 903 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 1,543 |
| Cost of funding earning assets | 0.3569% | 5,340 |
| Net interest margin | 4.3504% | 935 |
| Noninterest income to average assets | 1.6867% | 574 |
| Noninterest expense to average assets | 4.2307% | 674 |
| Loan and lease loss provision to assets | 0.0157% | 4,578 |
| Net operating income to assets | 0.9678% | 2,477 |
| Return on assets (ROA) | 0.9678% | 2,622 |
| Pretax return on assets | 1.6685% | 1,188 |
| Return on Equity (ROE) | 11.2561% | 1,730 |
| Retained earnings to average equity (ytd only) | 11.2561% | 600 |
| Net charge-offs to loans | 0.1301% | 3,072 |
| Credit loss provision to net charge-offs | 18.5714% | 3,753 |
| Earnings coverage of net charge-offs (x) | 19.8714% | 1,492 |
| Efficiency ratio | 71.5251% | 3,554 |
| Assets per employee ($millions) | 4.1189% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 4,713 |
| Loan loss allowance to noncurrent loans | 4,565.7407% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 6,506 |
| Noncurrent loans to loans | 0.0275% | 6,329 |
| Net loans and leases to total assets | 52.5574% | 4,793 |
| Net loans and leases to deposits | 57.8645% | 5,170 |
| Net loans and leases to core deposits | 57.8862% | 5,431 |
| Total domestic deposits to total assets | 90.8284% | 610 |
| Equity capital to assets | 7.9854% | 6,207 |
| Core capital (leverage) ratio | 8.5410% | 5,620 |
| Tier 1 risk-based capital ratio | 13.8631% | 4,514 |
| Total risk-based capital ratio | 15.0695% | 4,516 |
| Memoranda: | ||
| Average total assets | $660,694,330 | 1,013 |
| Average earning assets | $642,150,000 | 951 |
| Average equity | $56,805,000 | 1,270 |
| Average total loans | $430,574,670 | 986 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 2,242 |
| Cost of funding earning assets | 0.3688% | 5,383 |
| Net interest margin | 4.1092% | 1,430 |
| Noninterest income to average assets | 0.3162% | 5,164 |
| Noninterest expense to average assets | 4.0257% | 859 |
| Loan and lease loss provision to assets | 0.0816% | 3,284 |
| Net operating income to assets | 0.1189% | 6,115 |
| Return on assets (ROA) | 0.1189% | 6,207 |
| Pretax return on assets | 0.2050% | 6,068 |
| Return on Equity (ROE) | 1.3269% | 6,140 |
| Retained earnings to average equity (ytd only) | 1.3269% | 5,319 |
| Net charge-offs to loans | 0.0694% | 3,144 |
| Credit loss provision to net charge-offs | 162.8205% | 1,289 |
| Earnings coverage of net charge-offs (x) | 5.7179% | 2,332 |
| Efficiency ratio | 93.3532% | 885 |
| Assets per employee ($millions) | 4.4123% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 5,849 |
| Loan loss allowance to noncurrent loans | 11,836.3636% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 6,609 |
| Noncurrent loans to loans | 0.0088% | 6,482 |
| Net loans and leases to total assets | 76.1322% | 822 |
| Net loans and leases to deposits | 83.7518% | 1,625 |
| Net loans and leases to core deposits | 83.7872% | 2,346 |
| Total domestic deposits to total assets | 90.9022% | 566 |
| Equity capital to assets | 8.5545% | 5,962 |
| Core capital (leverage) ratio | 9.1150% | 4,703 |
| Tier 1 risk-based capital ratio | 10.5117% | 6,576 |
| Total risk-based capital ratio | 11.5292% | 6,632 |
| Memoranda: | ||
| Average total assets | $622,399,500 | 1,092 |
| Average earning assets | $605,276,000 | 1,029 |
| Average equity | $55,770,000 | 1,308 |
| Average total loans | $449,648,000 | 952 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1639% | 1,182 |
| Cost of funding earning assets | 0.4029% | 5,896 |
| Net interest margin | 4.7611% | 581 |
| Noninterest income to average assets | 1.3885% | 808 |
| Noninterest expense to average assets | 3.7656% | 1,308 |
| Loan and lease loss provision to assets | 0.1581% | 3,640 |
| Net operating income to assets | 1.6134% | 741 |
| Return on assets (ROA) | 1.6134% | 818 |
| Pretax return on assets | 2.1089% | 483 |
| Return on Equity (ROE) | 16.1636% | 638 |
| Retained earnings to average equity (ytd only) | 16.1636% | 122 |
| Net charge-offs to loans | 0.1053% | 4,615 |
| Credit loss provision to net charge-offs | 193.8725% | 1,345 |
| Earnings coverage of net charge-offs (x) | 27.7966% | 1,058 |
| Efficiency ratio | 62.4209% | 5,182 |
| Assets per employee ($millions) | 4.5521% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,636 |
| Loan loss allowance to noncurrent loans | 32,243.7500% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 6,708 |
| Noncurrent loans to loans | 0.0040% | 6,579 |
| Net loans and leases to total assets | 66.2021% | 2,496 |
| Net loans and leases to deposits | 73.8483% | 3,110 |
| Net loans and leases to core deposits | 73.8833% | 3,794 |
| Total domestic deposits to total assets | 89.6460% | 1,159 |
| Equity capital to assets | 9.4085% | 4,989 |
| Core capital (leverage) ratio | 9.0321% | 4,843 |
| Tier 1 risk-based capital ratio | 13.3013% | 4,895 |
| Total risk-based capital ratio | 14.5516% | 4,842 |
| Memoranda: | ||
| Average total assets | $500,261,800 | 1,334 |
| Average earning assets | $487,979,200 | 1,248 |
| Average equity | $49,933,200 | 1,424 |
| Average total loans | $387,572,000 | 1,078 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 1,078 |
| Cost of funding earning assets | 0.3936% | 6,156 |
| Net interest margin | 4.8680% | 502 |
| Noninterest income to average assets | 0.1268% | 6,501 |
| Noninterest expense to average assets | 3.4490% | 1,885 |
| Loan and lease loss provision to assets | 0.6153% | 875 |
| Net operating income to assets | 0.8086% | 3,407 |
| Return on assets (ROA) | 0.8086% | 3,651 |
| Pretax return on assets | 0.8086% | 4,452 |
| Return on Equity (ROE) | 7.9590% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.9590% | 1,632 |
| Net charge-offs to loans | 0.0481% | 4,976 |
| Credit loss provision to net charge-offs | 1,584.8921% | 173 |
| Earnings coverage of net charge-offs (x) | 36.6760% | 938 |
| Efficiency ratio | 70.7801% | 3,538 |
| Assets per employee ($millions) | 5.4744% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 4,358 |
| Loan loss allowance to noncurrent loans | 8,047.0588% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 6,740 |
| Noncurrent loans to loans | 0.0174% | 6,603 |
| Net loans and leases to total assets | 82.0514% | 340 |
| Net loans and leases to deposits | 90.1803% | 1,126 |
| Net loans and leases to core deposits | 90.2228% | 1,960 |
| Total domestic deposits to total assets | 90.9859% | 414 |
| Equity capital to assets | 8.6216% | 6,164 |
| Core capital (leverage) ratio | 9.2677% | 4,649 |
| Tier 1 risk-based capital ratio | 9.7968% | 6,844 |
| Total risk-based capital ratio | 11.0477% | 6,829 |
| Memoranda: | ||
| Average total assets | $477,384,000 | 1,405 |
| Average earning assets | $465,424,250 | 1,329 |
| Average equity | $48,497,250 | 1,463 |
| Average total loans | $385,233,750 | 1,098 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 1,537 |
| Cost of funding earning assets | 0.3888% | 6,335 |
| Net interest margin | 4.6982% | 675 |
| Noninterest income to average assets | 0.1672% | 6,343 |
| Noninterest expense to average assets | 3.5154% | 1,751 |
| Loan and lease loss provision to assets | 0.8308% | 589 |
| Net operating income to assets | 0.4052% | 5,197 |
| Return on assets (ROA) | 0.4052% | 5,430 |
| Pretax return on assets | 0.4052% | 5,700 |
| Return on Equity (ROE) | 3.7383% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.7383% | 4,116 |
| Net charge-offs to loans | 0.0188% | 5,147 |
| Credit loss provision to net charge-offs | 5,554.5455% | 51 |
| Earnings coverage of net charge-offs (x) | 82.6364% | 497 |
| Efficiency ratio | 73.9865% | 3,077 |
| Assets per employee ($millions) | 5.0237% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 3,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 86.6847% | 115 |
| Net loans and leases to deposits | 96.8085% | 580 |
| Net loans and leases to core deposits | 96.8648% | 1,362 |
| Total domestic deposits to total assets | 89.5424% | 1,200 |
| Equity capital to assets | 10.0568% | 4,249 |
| Core capital (leverage) ratio | 10.5475% | 2,757 |
| Tier 1 risk-based capital ratio | 10.6837% | 6,622 |
| Total risk-based capital ratio | 11.9148% | 6,619 |
| Memoranda: | ||
| Average total assets | $441,258,000 | 1,506 |
| Average earning assets | $430,551,670 | 1,419 |
| Average equity | $47,829,000 | 1,471 |
| Average total loans | $351,156,330 | 1,197 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 3,066 |
| Cost of funding earning assets | 0.3883% | 6,466 |
| Net interest margin | 4.3091% | 1,439 |
| Noninterest income to average assets | 0.0694% | 6,858 |
| Noninterest expense to average assets | 3.6069% | 1,544 |
| Loan and lease loss provision to assets | 0.8889% | 500 |
| Net operating income to assets | -0.2168% | 6,654 |
| Return on assets (ROA) | -0.2168% | 6,699 |
| Pretax return on assets | -0.2168% | 6,679 |
| Return on Equity (ROE) | -1.9203% | 6,685 |
| Retained earnings to average equity (ytd only) | -1.9203% | 6,274 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2924% | 1,654 |
| Assets per employee ($millions) | 4.6874% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 77.2500% | 667 |
| Net loans and leases to deposits | 86.9821% | 1,294 |
| Net loans and leases to core deposits | 87.0385% | 2,177 |
| Total domestic deposits to total assets | 88.8114% | 1,811 |
| Equity capital to assets | 10.8686% | 3,066 |
| Core capital (leverage) ratio | 11.1209% | 2,171 |
| Tier 1 risk-based capital ratio | 12.4424% | 5,652 |
| Total risk-based capital ratio | 13.6961% | 5,613 |
| Memoranda: | ||
| Average total assets | $420,751,000 | 1,583 |
| Average earning assets | $411,038,000 | 1,480 |
| Average equity | $47,493,000 | 1,474 |
| Average total loans | $314,418,500 | 1,352 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6131% | 6,922 |
| Cost of funding earning assets | 0.4027% | 6,879 |
| Net interest margin | 3.2104% | 6,060 |
| Noninterest income to average assets | 0.0694% | 6,756 |
| Noninterest expense to average assets | 3.1723% | 2,959 |
| Loan and lease loss provision to assets | 0.5626% | 1,857 |
| Net operating income to assets | -0.5126% | 6,497 |
| Return on assets (ROA) | -0.5126% | 6,542 |
| Pretax return on assets | -0.5126% | 6,504 |
| Return on Equity (ROE) | -3.7543% | 6,459 |
| Retained earnings to average equity (ytd only) | -3.7543% | 6,351 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4494% | 716 |
| Assets per employee ($millions) | 5.2672% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 3,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 69.4315% | 2,137 |
| Net loans and leases to deposits | 82.4898% | 2,134 |
| Net loans and leases to core deposits | 82.8456% | 3,051 |
| Total domestic deposits to total assets | 84.1697% | 4,248 |
| Equity capital to assets | 11.7381% | 2,313 |
| Core capital (leverage) ratio | 12.2413% | 1,467 |
| Tier 1 risk-based capital ratio | 14.8454% | 3,729 |
| Total risk-based capital ratio | 16.0986% | 3,700 |
| Memoranda: | ||
| Average total assets | $354,253,600 | 1,828 |
| Average earning assets | $347,896,200 | 1,706 |
| Average equity | $48,370,800 | 1,412 |
| Average total loans | $225,646,400 | 1,833 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4929% | 7,085 |
| Cost of funding earning assets | 0.3985% | 7,023 |
| Net interest margin | 3.0944% | 6,393 |
| Noninterest income to average assets | 0.0738% | 6,867 |
| Noninterest expense to average assets | 3.0120% | 3,516 |
| Loan and lease loss provision to assets | 0.3339% | 2,874 |
| Net operating income to assets | -0.2308% | 6,417 |
| Return on assets (ROA) | -0.2308% | 6,494 |
| Pretax return on assets | -0.2308% | 6,440 |
| Return on Equity (ROE) | -1.6226% | 6,443 |
| Retained earnings to average equity (ytd only) | -1.6226% | 6,251 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6905% | 783 |
| Assets per employee ($millions) | 6.2735% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 3,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 62.0095% | 3,718 |
| Net loans and leases to deposits | 71.5559% | 4,054 |
| Net loans and leases to core deposits | 71.9403% | 4,721 |
| Total domestic deposits to total assets | 86.6589% | 2,849 |
| Equity capital to assets | 13.0558% | 1,591 |
| Core capital (leverage) ratio | 13.8461% | 941 |
| Tier 1 risk-based capital ratio | 18.5100% | 2,088 |
| Total risk-based capital ratio | 19.7625% | 2,047 |
| Memoranda: | ||
| Average total assets | $341,422,750 | 1,907 |
| Average earning assets | $335,563,250 | 1,777 |
| Average equity | $48,561,750 | 1,411 |
| Average total loans | $210,464,500 | 1,971 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4673% | 7,179 |
| Cost of funding earning assets | 0.3915% | 7,143 |
| Net interest margin | 3.0759% | 6,455 |
| Noninterest income to average assets | 0.0796% | 6,929 |
| Noninterest expense to average assets | 2.8730% | 4,133 |
| Loan and lease loss provision to assets | 0.3405% | 2,741 |
| Net operating income to assets | -0.1079% | 6,358 |
| Return on assets (ROA) | -0.1079% | 6,414 |
| Pretax return on assets | -0.1079% | 6,375 |
| Return on Equity (ROE) | -0.7360% | 6,376 |
| Retained earnings to average equity (ytd only) | -0.7360% | 6,004 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5092% | 1,064 |
| Assets per employee ($millions) | 7.8702% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 4,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 60.7616% | 4,133 |
| Net loans and leases to deposits | 77.8595% | 3,141 |
| Net loans and leases to core deposits | 78.4045% | 4,006 |
| Total domestic deposits to total assets | 78.0401% | 6,282 |
| Equity capital to assets | 13.4280% | 1,326 |
| Core capital (leverage) ratio | 15.1948% | 630 |
| Tier 1 risk-based capital ratio | 18.6943% | 1,937 |
| Total risk-based capital ratio | 19.9406% | 1,904 |
| Memoranda: | ||
| Average total assets | $331,852,000 | 1,966 |
| Average earning assets | $326,477,000 | 1,823 |
| Average equity | $48,641,000 | 1,390 |
| Average total loans | $202,900,330 | 2,060 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5779% | 7,152 |
| Cost of funding earning assets | 0.4085% | 7,208 |
| Net interest margin | 3.1694% | 6,169 |
| Noninterest income to average assets | 0.0909% | 6,965 |
| Noninterest expense to average assets | 2.7932% | 4,472 |
| Loan and lease loss provision to assets | 0.2816% | 2,893 |
| Net operating income to assets | 0.1313% | 6,006 |
| Return on assets (ROA) | 0.1313% | 6,059 |
| Pretax return on assets | 0.1313% | 6,100 |
| Return on Equity (ROE) | 0.8550% | 6,177 |
| Retained earnings to average equity (ytd only) | 0.8550% | 5,486 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1209% | 1,601 |
| Assets per employee ($millions) | 9.1505% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 4,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.5360% | 3,959 |
| Net loans and leases to deposits | 72.7885% | 3,947 |
| Net loans and leases to core deposits | 73.4143% | 4,606 |
| Total domestic deposits to total assets | 84.5408% | 4,251 |
| Equity capital to assets | 15.2276% | 719 |
| Core capital (leverage) ratio | 15.0771% | 652 |
| Tier 1 risk-based capital ratio | 20.4818% | 1,483 |
| Total risk-based capital ratio | 21.7174% | 1,465 |
| Memoranda: | ||
| Average total assets | $316,764,000 | 2,059 |
| Average earning assets | $311,357,000 | 1,919 |
| Average equity | $48,655,000 | 1,371 |
| Average total loans | $192,689,500 | 2,177 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8822% | 7,210 |
| Cost of funding earning assets | 0.5417% | 7,241 |
| Net interest margin | 3.3405% | 5,832 |
| Noninterest income to average assets | 0.1195% | 6,810 |
| Noninterest expense to average assets | 2.5352% | 5,663 |
| Loan and lease loss provision to assets | 0.1995% | 5,241 |
| Net operating income to assets | 0.6718% | 3,335 |
| Return on assets (ROA) | 0.6718% | 3,479 |
| Pretax return on assets | 0.6721% | 4,086 |
| Return on Equity (ROE) | 4.3560% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.3560% | 2,792 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4148% | 3,318 |
| Assets per employee ($millions) | 9.4927% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 3,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.2615% | 4,985 |
| Net loans and leases to deposits | 69.1863% | 4,934 |
| Net loans and leases to core deposits | 69.7268% | 5,471 |
| Total domestic deposits to total assets | 84.2096% | 4,269 |
| Equity capital to assets | 15.4954% | 681 |
| Core capital (leverage) ratio | 15.2556% | 622 |
| Tier 1 risk-based capital ratio | 21.9465% | 1,184 |
| Total risk-based capital ratio | 23.1975% | 1,158 |
| Memoranda: | ||
| Average total assets | $307,229,800 | 2,111 |
| Average earning assets | $302,354,200 | 1,965 |
| Average equity | $47,383,400 | 1,411 |
| Average total loans | $161,818,800 | 2,593 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 7,269 |
| Cost of funding earning assets | 0.5720% | 7,341 |
| Net interest margin | 3.4547% | 5,472 |
| Noninterest income to average assets | 0.0776% | 7,145 |
| Noninterest expense to average assets | 2.4379% | 5,922 |
| Loan and lease loss provision to assets | 0.1596% | 5,443 |
| Net operating income to assets | 0.8801% | 2,697 |
| Return on assets (ROA) | 0.8801% | 2,832 |
| Pretax return on assets | 0.8805% | 3,624 |
| Return on Equity (ROE) | 5.7133% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.7133% | 2,537 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0940% | 4,045 |
| Assets per employee ($millions) | 9.6843% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 3,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 50.4812% | 6,274 |
| Net loans and leases to deposits | 63.8652% | 5,931 |
| Net loans and leases to core deposits | 64.3689% | 6,267 |
| Total domestic deposits to total assets | 79.0435% | 6,009 |
| Equity capital to assets | 14.6838% | 973 |
| Core capital (leverage) ratio | 15.1102% | 696 |
| Tier 1 risk-based capital ratio | 23.5780% | 996 |
| Total risk-based capital ratio | 24.8288% | 971 |
| Memoranda: | ||
| Average total assets | $305,722,250 | 2,151 |
| Average earning assets | $300,911,500 | 2,009 |
| Average equity | $47,094,000 | 1,430 |
| Average total loans | $155,950,250 | 2,711 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 6,802 |
| Cost of funding earning assets | 0.5865% | 7,432 |
| Net interest margin | 3.8642% | 3,616 |
| Noninterest income to average assets | 0.0651% | 7,257 |
| Noninterest expense to average assets | 2.3889% | 6,092 |
| Loan and lease loss provision to assets | 0.1813% | 5,055 |
| Net operating income to assets | 1.3032% | 1,295 |
| Return on assets (ROA) | 1.3032% | 1,359 |
| Pretax return on assets | 1.3039% | 2,073 |
| Return on Equity (ROE) | 8.3170% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.3170% | 1,325 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6638% | 5,745 |
| Assets per employee ($millions) | 10.0519% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 49.6702% | 6,468 |
| Net loans and leases to deposits | 58.5155% | 6,538 |
| Net loans and leases to core deposits | 59.0075% | 6,765 |
| Total domestic deposits to total assets | 84.8838% | 3,694 |
| Equity capital to assets | 14.9601% | 891 |
| Core capital (leverage) ratio | 17.4131% | 406 |
| Tier 1 risk-based capital ratio | 25.3370% | 819 |
| Total risk-based capital ratio | 26.5880% | 803 |
| Memoranda: | ||
| Average total assets | $297,874,000 | 2,212 |
| Average earning assets | $293,620,330 | 2,069 |
| Average equity | $46,675,670 | 1,440 |
| Average total loans | $151,682,330 | 2,802 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9780% | 7,811 |
| Cost of funding earning assets | 0.6438% | 7,458 |
| Net interest margin | 2.3342% | 7,574 |
| Noninterest income to average assets | 0.0545% | 7,441 |
| Noninterest expense to average assets | 2.4323% | 5,976 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0755% | 6,408 |
| Return on assets (ROA) | -0.0755% | 6,482 |
| Pretax return on assets | -0.0755% | 6,433 |
| Return on Equity (ROE) | -0.4700% | 6,464 |
| Retained earnings to average equity (ytd only) | -0.4700% | 5,942 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2047% | 743 |
| Assets per employee ($millions) | 9.4875% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 3,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.8130% | 6,590 |
| Net loans and leases to deposits | 57.9206% | 6,627 |
| Net loans and leases to core deposits | 58.8748% | 6,827 |
| Total domestic deposits to total assets | 84.2757% | 4,006 |
| Equity capital to assets | 15.6366% | 736 |
| Core capital (leverage) ratio | 16.1244% | 563 |
| Tier 1 risk-based capital ratio | 29.1679% | 573 |
| Total risk-based capital ratio | 30.4205% | 559 |
| Memoranda: | ||
| Average total assets | $285,980,000 | 2,342 |
| Average earning assets | $282,067,000 | 2,194 |
| Average equity | $45,953,000 | 1,465 |
| Average total loans | $146,418,500 | 2,957 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 7,848 |
| Cost of funding earning assets | 0.8362% | 7,503 |
| Net interest margin | 2.5249% | 7,401 |
| Noninterest income to average assets | 0.0575% | 7,471 |
| Noninterest expense to average assets | 3.5172% | 2,337 |
| Loan and lease loss provision to assets | 0.6051% | 3,373 |
| Net operating income to assets | -1.6646% | 6,944 |
| Return on assets (ROA) | -1.6879% | 6,958 |
| Pretax return on assets | -1.6874% | 6,807 |
| Return on Equity (ROE) | -7.2124% | 6,402 |
| Retained earnings to average equity (ytd only) | -7.2124% | 6,260 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.0791% | 362 |
| Assets per employee ($millions) | 8.9628% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 3,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 52.1623% | 6,407 |
| Net loans and leases to deposits | 62.6516% | 6,393 |
| Net loans and leases to core deposits | 65.3297% | 7,015 |
| Total domestic deposits to total assets | 83.2578% | 4,401 |
| Equity capital to assets | 16.5259% | 614 |
| Core capital (leverage) ratio | 18.0940% | 401 |
| Tier 1 risk-based capital ratio | 29.7633% | 535 |
| Total risk-based capital ratio | 31.0162% | 520 |
| Memoranda: | ||
| Average total assets | $201,608,600 | 3,163 |
| Average earning assets | $191,694,400 | 3,074 |
| Average equity | $47,182,400 | 1,425 |
| Average total loans | $111,473,800 | 3,657 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3967% | 7,947 |
| Cost of funding earning assets | 0.8784% | 7,594 |
| Net interest margin | 2.5183% | 7,443 |
| Noninterest income to average assets | 0.0540% | 7,631 |
| Noninterest expense to average assets | 3.6154% | 2,001 |
| Loan and lease loss provision to assets | 0.8326% | 2,297 |
| Net operating income to assets | -2.0326% | 7,335 |
| Return on assets (ROA) | -2.0670% | 7,345 |
| Pretax return on assets | -2.0662% | 7,211 |
| Return on Equity (ROE) | -7.9439% | 6,724 |
| Retained earnings to average equity (ytd only) | -7.9439% | 6,596 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.6372% | 325 |
| Assets per employee ($millions) | 6.6536% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.4727% | 4,760 |
| Net loans and leases to deposits | 82.5513% | 3,914 |
| Net loans and leases to core deposits | 86.7240% | 5,798 |
| Total domestic deposits to total assets | 78.1002% | 6,058 |
| Equity capital to assets | 21.7735% | 255 |
| Core capital (leverage) ratio | 24.0064% | 188 |
| Tier 1 risk-based capital ratio | 31.9730% | 469 |
| Total risk-based capital ratio | 33.2262% | 463 |
| Memoranda: | ||
| Average total assets | $182,548,750 | 3,423 |
| Average earning assets | $171,220,000 | 3,356 |
| Average equity | $47,498,750 | 1,443 |
| Average total loans | $102,566,750 | 3,922 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2636% | 8,055 |
| Cost of funding earning assets | 0.9449% | 7,633 |
| Net interest margin | 2.3186% | 7,667 |
| Noninterest income to average assets | 0.0568% | 7,704 |
| Noninterest expense to average assets | 3.7848% | 1,682 |
| Loan and lease loss provision to assets | 0.8583% | 1,957 |
| Net operating income to assets | -2.4613% | 7,547 |
| Return on assets (ROA) | -2.5159% | 7,553 |
| Pretax return on assets | -2.5147% | 7,425 |
| Return on Equity (ROE) | -9.0604% | 6,969 |
| Retained earnings to average equity (ytd only) | -9.0604% | 6,776 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 173.3794% | 273 |
| Assets per employee ($millions) | 5.8141% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 3,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.7543% | 5,719 |
| Net loans and leases to deposits | 80.0752% | 4,534 |
| Net loans and leases to core deposits | 83.7292% | 6,109 |
| Total domestic deposits to total assets | 74.6227% | 6,842 |
| Equity capital to assets | 25.2026% | 199 |
| Core capital (leverage) ratio | 26.7762% | 178 |
| Tier 1 risk-based capital ratio | 39.7703% | 314 |
| Total risk-based capital ratio | 41.0231% | 303 |
| Memoranda: | ||
| Average total assets | $172,426,670 | 3,594 |
| Average earning assets | $158,109,670 | 3,594 |
| Average equity | $47,878,670 | 1,439 |
| Average total loans | $90,301,670 | 4,268 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2960% | 8,118 |
| Cost of funding earning assets | 1.0235% | 7,637 |
| Net interest margin | 2.2726% | 7,742 |
| Noninterest income to average assets | 0.0652% | 7,743 |
| Noninterest expense to average assets | 3.6325% | 1,789 |
| Loan and lease loss provision to assets | 0.6883% | 1,834 |
| Net operating income to assets | -2.2607% | 7,717 |
| Return on assets (ROA) | -2.3742% | 7,744 |
| Pretax return on assets | -2.3742% | 7,636 |
| Return on Equity (ROE) | -8.1285% | 7,244 |
| Retained earnings to average equity (ytd only) | -8.1285% | 6,927 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.3189% | 256 |
| Assets per employee ($millions) | 6.0399% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 2,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 49.7630% | 6,882 |
| Net loans and leases to deposits | 70.6480% | 5,917 |
| Net loans and leases to core deposits | 71.3017% | 6,943 |
| Total domestic deposits to total assets | 70.4379% | 7,387 |
| Equity capital to assets | 29.3996% | 148 |
| Core capital (leverage) ratio | 29.6340% | 157 |
| Tier 1 risk-based capital ratio | 52.0768% | 184 |
| Total risk-based capital ratio | 53.3401% | 182 |
| Memoranda: | ||
| Average total assets | $165,614,000 | 3,731 |
| Average earning assets | $145,386,500 | 3,843 |
| Average equity | $48,373,000 | 1,427 |
| Average total loans | $79,020,500 | 4,643 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3705% | 8,152 |
| Cost of funding earning assets | 1.0036% | 8,054 |
| Net interest margin | 2.3669% | 7,875 |
| Noninterest income to average assets | 0.0262% | 8,003 |
| Noninterest expense to average assets | 3.9518% | 1,482 |
| Loan and lease loss provision to assets | 0.8020% | 1,847 |
| Net operating income to assets | -2.4229% | 7,689 |
| Return on assets (ROA) | -2.4229% | 7,656 |
| Pretax return on assets | -2.4221% | 7,569 |
| Return on Equity (ROE) | -5.7481% | 6,940 |
| Retained earnings to average equity (ytd only) | -5.7481% | 6,632 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.4786% | 283 |
| Assets per employee ($millions) | 6.7260% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 4,080 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 44.4267% | 7,440 |
| Net loans and leases to deposits | 62.7390% | 6,894 |
| Net loans and leases to core deposits | 63.1106% | 7,471 |
| Total domestic deposits to total assets | 70.8119% | 7,189 |
| Equity capital to assets | 29.0227% | 183 |
| Core capital (leverage) ratio | 31.1190% | 171 |
| Tier 1 risk-based capital ratio | 48.5032% | 230 |
| Total risk-based capital ratio | 49.5468% | 232 |
| Memoranda: | ||
| Average total assets | $118,452,400 | 4,563 |
| Average earning assets | $115,384,200 | 4,373 |
| Average equity | $49,929,400 | 1,357 |
| Average total loans | $39,192,000 | 6,210 |