Home > Central Bank and Trust Co. > Performance and Condition Ratios
Central Bank and Trust Co., 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 | 5.0839% | 1,129 |
| Cost of funding earning assets | 0.9482% | 1,805 |
| Net interest margin | 4.1357% | 1,463 |
| Noninterest income to average assets | 0.9815% | 848 |
| Noninterest expense to average assets | 2.9743% | 2,065 |
| Loan and lease loss provision to assets | 0.1945% | 831 |
| Net operating income to assets | 1.3782% | 1,436 |
| Return on assets (ROA) | 1.3782% | 1,470 |
| Pretax return on assets | 1.4094% | 2,051 |
| Return on Equity (ROE) | 7.6942% | 3,383 |
| Retained earnings to average equity (ytd only) | -1.1581% | 4,670 |
| Net charge-offs to loans | 0.0432% | 1,655 |
| Credit loss provision to net charge-offs | 681.8182% | 491 |
| Earnings coverage of net charge-offs (x) | 56.2273% | 954 |
| Efficiency ratio | 61.3424% | 3,632 |
| Assets per employee ($millions) | 4.2189% | 3,599 |
| Cash dividends to net income (ytd only)* | 115.0517% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1053% | 5,301 |
| Loan loss allowance to noncurrent loans | 43.6709% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,911 |
| Noncurrent loans to loans | 0.2412% | 3,706 |
| Net loans and leases to total assets | 64.6290% | 3,213 |
| Net loans and leases to deposits | 79.7524% | 2,868 |
| Net loans and leases to core deposits | 84.2421% | 3,004 |
| Total domestic deposits to total assets | 81.0370% | 3,960 |
| Equity capital to assets | 18.2269% | 330 |
| Core capital (leverage) ratio | 10.4391% | 3,121 |
| Tier 1 risk-based capital ratio | 13.6488% | 3,522 |
| Total risk-based capital ratio | 13.7445% | 4,043 |
| Memoranda: | ||
| Average total assets | $308,509,500 | 2,136 |
| Average earning assets | $268,300,000 | 2,252 |
| Average equity | $55,262,500 | 1,443 |
| Average total loans | $203,627,000 | 2,185 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2596% | 5,108 |
| Cost of funding earning assets | 0.5315% | 3,169 |
| Net interest margin | 2.7281% | 5,074 |
| Noninterest income to average assets | 0.5923% | 2,336 |
| Noninterest expense to average assets | 1.7936% | 5,005 |
| Loan and lease loss provision to assets | 0.1125% | 1,963 |
| Net operating income to assets | 1.0956% | 2,618 |
| Return on assets (ROA) | 1.1114% | 2,554 |
| Pretax return on assets | 1.1540% | 3,085 |
| Return on Equity (ROE) | 7.8235% | 3,511 |
| Retained earnings to average equity (ytd only) | 0.1096% | 4,955 |
| Net charge-offs to loans | 0.1173% | 1,575 |
| Credit loss provision to net charge-offs | 128.7273% | 2,053 |
| Earnings coverage of net charge-offs (x) | 14.3055% | 2,388 |
| Efficiency ratio | 55.3711% | 4,477 |
| Assets per employee ($millions) | 4.5400% | 3,106 |
| Cash dividends to net income (ytd only)* | 98.5992% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0375% | 5,353 |
| Loan loss allowance to noncurrent loans | 27.7193% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 3,730 |
| Noncurrent loans to loans | 0.1352% | 4,130 |
| Net loans and leases to total assets | 67.2450% | 2,969 |
| Net loans and leases to deposits | 82.3283% | 2,688 |
| Net loans and leases to core deposits | 87.1611% | 2,821 |
| Total domestic deposits to total assets | 81.6791% | 3,727 |
| Equity capital to assets | 17.6081% | 371 |
| Core capital (leverage) ratio | 10.3703% | 3,175 |
| Tier 1 risk-based capital ratio | 13.3231% | 3,648 |
| Total risk-based capital ratio | 13.3587% | 4,247 |
| Memoranda: | ||
| Average total assets | $314,727,400 | 2,069 |
| Average earning assets | $282,795,600 | 2,116 |
| Average equity | $44,711,400 | 1,669 |
| Average total loans | $234,498,800 | 1,915 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6546% | 5,387 |
| Cost of funding earning assets | 0.4123% | 3,772 |
| Net interest margin | 2.2423% | 5,371 |
| Noninterest income to average assets | 0.5387% | 2,623 |
| Noninterest expense to average assets | 1.4831% | 5,288 |
| Loan and lease loss provision to assets | 0.0918% | 2,142 |
| Net operating income to assets | 0.9521% | 3,298 |
| Return on assets (ROA) | 0.9732% | 3,213 |
| Pretax return on assets | 1.0177% | 3,667 |
| Return on Equity (ROE) | 7.2841% | 3,825 |
| Retained earnings to average equity (ytd only) | -0.2629% | 5,069 |
| Net charge-offs to loans | 0.0011% | 3,461 |
| Credit loss provision to net charge-offs | 10,850.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 1,283.3633% | 62 |
| Efficiency ratio | 54.4198% | 4,569 |
| Assets per employee ($millions) | 4.5614% | 3,025 |
| Cash dividends to net income (ytd only)* | 103.6086% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0961% | 5,419 |
| Loan loss allowance to noncurrent loans | 26.4128% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 3,372 |
| Noncurrent loans to loans | 0.3637% | 3,346 |
| Net loans and leases to total assets | 72.0910% | 2,318 |
| Net loans and leases to deposits | 88.4687% | 2,092 |
| Net loans and leases to core deposits | 93.8863% | 2,298 |
| Total domestic deposits to total assets | 81.4876% | 3,741 |
| Equity capital to assets | 17.6413% | 365 |
| Core capital (leverage) ratio | 10.2392% | 3,358 |
| Tier 1 risk-based capital ratio | 12.3997% | 4,254 |
| Total risk-based capital ratio | 12.4907% | 4,824 |
| Memoranda: | ||
| Average total assets | $315,094,500 | 2,080 |
| Average earning assets | $285,536,250 | 2,112 |
| Average equity | $42,099,500 | 1,778 |
| Average total loans | $240,441,000 | 1,887 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4415% | 5,529 |
| Cost of funding earning assets | 0.2134% | 4,954 |
| Net interest margin | 1.2281% | 5,528 |
| Noninterest income to average assets | 0.3334% | 3,952 |
| Noninterest expense to average assets | 0.8285% | 5,509 |
| Loan and lease loss provision to assets | 0.0221% | 3,471 |
| Net operating income to assets | 0.5822% | 4,553 |
| Return on assets (ROA) | 0.6138% | 4,461 |
| Pretax return on assets | 0.6422% | 4,659 |
| Return on Equity (ROE) | 5.1302% | 4,514 |
| Retained earnings to average equity (ytd only) | -0.4011% | 5,013 |
| Net charge-offs to loans | -0.0024% | 3,981 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7474% | 4,388 |
| Assets per employee ($millions) | 4.9068% | 2,551 |
| Cash dividends to net income (ytd only)* | 107.8189% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0159% | 5,492 |
| Loan loss allowance to noncurrent loans | 11.0145% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 4,130 |
| Noncurrent loans to loans | 0.1445% | 4,247 |
| Net loans and leases to total assets | 74.8226% | 1,817 |
| Net loans and leases to deposits | 93.0603% | 1,467 |
| Net loans and leases to core deposits | 98.2397% | 1,873 |
| Total domestic deposits to total assets | 80.4023% | 4,152 |
| Equity capital to assets | 17.2707% | 379 |
| Core capital (leverage) ratio | 18.5191% | 296 |
| Tier 1 risk-based capital ratio | 11.9088% | 4,559 |
| Total risk-based capital ratio | 11.9243% | 5,097 |
| Memoranda: | ||
| Average total assets | $316,734,000 | 2,084 |
| Average earning assets | $290,528,000 | 2,098 |
| Average equity | $37,893,000 | 1,951 |
| Average total loans | $245,980,000 | 1,859 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 2,802 |
| Cost of funding earning assets | 0.6242% | 1,887 |
| Net interest margin | 3.6012% | 3,176 |
| Noninterest income to average assets | 1.4675% | 438 |
| Noninterest expense to average assets | 2.4991% | 3,646 |
| Loan and lease loss provision to assets | 0.0089% | 3,402 |
| Net operating income to assets | 2.2444% | 227 |
| Return on assets (ROA) | 2.2444% | 226 |
| Pretax return on assets | 2.3445% | 294 |
| Return on Equity (ROE) | 24.1795% | 99 |
| Retained earnings to average equity (ytd only) | 24.1795% | 50 |
| Net charge-offs to loans | 0.0385% | 1,758 |
| Credit loss provision to net charge-offs | 29.1667% | 2,072 |
| Earnings coverage of net charge-offs (x) | 77.3750% | 720 |
| Efficiency ratio | 51.5017% | 4,998 |
| Assets per employee ($millions) | 4.2212% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,650 |
| Loan loss allowance to noncurrent loans | 1,207.6412% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 3,911 |
| Noncurrent loans to loans | 0.1202% | 4,426 |
| Net loans and leases to total assets | 80.0983% | 919 |
| Net loans and leases to deposits | 92.7414% | 1,360 |
| Net loans and leases to core deposits | 121.2515% | 549 |
| Total domestic deposits to total assets | 86.3673% | 2,375 |
| Equity capital to assets | 9.7680% | 3,820 |
| Core capital (leverage) ratio | 9.9286% | 3,606 |
| Tier 1 risk-based capital ratio | 11.7145% | 4,733 |
| Total risk-based capital ratio | 12.9662% | 4,618 |
| Memoranda: | ||
| Average total assets | $315,628,500 | 2,099 |
| Average earning assets | $296,678,500 | 2,083 |
| Average equity | $29,297,500 | 2,418 |
| Average total loans | $249,629,500 | 1,853 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 2,631 |
| Cost of funding earning assets | 0.4463% | 2,813 |
| Net interest margin | 3.7681% | 2,538 |
| Noninterest income to average assets | 1.1655% | 759 |
| Noninterest expense to average assets | 2.7129% | 3,087 |
| Loan and lease loss provision to assets | -0.1639% | 5,550 |
| Net operating income to assets | 2.0778% | 241 |
| Return on assets (ROA) | 2.0730% | 250 |
| Pretax return on assets | 2.1573% | 343 |
| Return on Equity (ROE) | 21.6178% | 138 |
| Retained earnings to average equity (ytd only) | 3.8873% | 2,874 |
| Net charge-offs to loans | 0.0060% | 3,870 |
| Credit loss provision to net charge-offs | -3,471.4286% | 5,214 |
| Earnings coverage of net charge-offs (x) | 423.1429% | 201 |
| Efficiency ratio | 57.5827% | 4,580 |
| Assets per employee ($millions) | 4.4261% | 3,310 |
| Cash dividends to net income (ytd only)* | 82.0179% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,516 |
| Loan loss allowance to noncurrent loans | 1,304.2857% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 4,021 |
| Noncurrent loans to loans | 0.1125% | 4,480 |
| Net loans and leases to total assets | 75.8725% | 1,622 |
| Net loans and leases to deposits | 84.0061% | 2,488 |
| Net loans and leases to core deposits | 112.8257% | 849 |
| Total domestic deposits to total assets | 90.3178% | 461 |
| Equity capital to assets | 8.8190% | 4,880 |
| Core capital (leverage) ratio | 9.5338% | 3,999 |
| Tier 1 risk-based capital ratio | 10.9694% | 5,166 |
| Total risk-based capital ratio | 12.2212% | 5,042 |
| Memoranda: | ||
| Average total assets | $296,433,800 | 2,186 |
| Average earning assets | $278,946,200 | 2,164 |
| Average equity | $28,425,600 | 2,469 |
| Average total loans | $233,718,000 | 1,916 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,499 |
| Cost of funding earning assets | 0.4185% | 3,000 |
| Net interest margin | 3.8165% | 2,337 |
| Noninterest income to average assets | 1.1250% | 800 |
| Noninterest expense to average assets | 2.7231% | 2,989 |
| Loan and lease loss provision to assets | -0.1137% | 5,602 |
| Net operating income to assets | 2.0215% | 309 |
| Return on assets (ROA) | 2.0149% | 315 |
| Pretax return on assets | 2.0968% | 449 |
| Return on Equity (ROE) | 20.5522% | 199 |
| Retained earnings to average equity (ytd only) | 8.6780% | 956 |
| Net charge-offs to loans | 0.0104% | 3,351 |
| Credit loss provision to net charge-offs | -1,372.2222% | 5,001 |
| Earnings coverage of net charge-offs (x) | 240.2717% | 366 |
| Efficiency ratio | 57.7760% | 4,535 |
| Assets per employee ($millions) | 4.1322% | 3,769 |
| Cash dividends to net income (ytd only)* | 57.7758% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 1,177 |
| Loan loss allowance to noncurrent loans | 1,472.3485% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 4,246 |
| Noncurrent loans to loans | 0.1106% | 4,613 |
| Net loans and leases to total assets | 78.9311% | 1,130 |
| Net loans and leases to deposits | 88.5081% | 1,986 |
| Net loans and leases to core deposits | 115.4508% | 766 |
| Total domestic deposits to total assets | 89.1795% | 790 |
| Equity capital to assets | 9.9506% | 3,959 |
| Core capital (leverage) ratio | 10.1695% | 3,353 |
| Tier 1 risk-based capital ratio | 11.5200% | 4,952 |
| Total risk-based capital ratio | 12.7731% | 4,839 |
| Memoranda: | ||
| Average total assets | $289,765,250 | 2,235 |
| Average earning assets | $272,423,500 | 2,214 |
| Average equity | $28,408,250 | 2,485 |
| Average total loans | $229,947,000 | 1,949 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 2,394 |
| Cost of funding earning assets | 0.3861% | 3,219 |
| Net interest margin | 3.8347% | 2,156 |
| Noninterest income to average assets | 1.0948% | 836 |
| Noninterest expense to average assets | 2.7321% | 2,976 |
| Loan and lease loss provision to assets | 0.0021% | 3,853 |
| Net operating income to assets | 1.8824% | 384 |
| Return on assets (ROA) | 1.8824% | 397 |
| Pretax return on assets | 1.9639% | 568 |
| Return on Equity (ROE) | 19.3007% | 252 |
| Retained earnings to average equity (ytd only) | 4.8769% | 2,792 |
| Net charge-offs to loans | 0.0088% | 3,145 |
| Credit loss provision to net charge-offs | 30.0000% | 2,723 |
| Earnings coverage of net charge-offs (x) | 282.3000% | 303 |
| Efficiency ratio | 58.1530% | 4,570 |
| Assets per employee ($millions) | 3.9833% | 3,979 |
| Cash dividends to net income (ytd only)* | 74.7318% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8103% | 870 |
| Loan loss allowance to noncurrent loans | 1,638.3399% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 4,346 |
| Noncurrent loans to loans | 0.1105% | 4,678 |
| Net loans and leases to total assets | 78.3895% | 1,180 |
| Net loans and leases to deposits | 88.0931% | 1,967 |
| Net loans and leases to core deposits | 117.0153% | 682 |
| Total domestic deposits to total assets | 88.9849% | 965 |
| Equity capital to assets | 9.9123% | 4,012 |
| Core capital (leverage) ratio | 9.7755% | 3,806 |
| Tier 1 risk-based capital ratio | 11.2190% | 5,131 |
| Total risk-based capital ratio | 12.4739% | 5,019 |
| Memoranda: | ||
| Average total assets | $287,180,670 | 2,261 |
| Average earning assets | $269,850,670 | 2,240 |
| Average equity | $28,009,330 | 2,506 |
| Average total loans | $227,022,000 | 1,964 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 2,456 |
| Cost of funding earning assets | 0.3509% | 3,523 |
| Net interest margin | 3.8037% | 2,103 |
| Noninterest income to average assets | 1.0843% | 848 |
| Noninterest expense to average assets | 2.6934% | 3,167 |
| Loan and lease loss provision to assets | 0.0028% | 3,517 |
| Net operating income to assets | 1.8833% | 379 |
| Return on assets (ROA) | 1.8833% | 394 |
| Pretax return on assets | 1.9640% | 543 |
| Return on Equity (ROE) | 19.4676% | 257 |
| Retained earnings to average equity (ytd only) | 12.1295% | 459 |
| Net charge-offs to loans | 0.0071% | 2,724 |
| Credit loss provision to net charge-offs | 50.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | 353.2500% | 169 |
| Efficiency ratio | 57.7957% | 4,741 |
| Assets per employee ($millions) | 4.1699% | 3,717 |
| Cash dividends to net income (ytd only)* | 37.6940% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 1,003 |
| Loan loss allowance to noncurrent loans | 1,596.1538% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 4,459 |
| Noncurrent loans to loans | 0.1114% | 4,749 |
| Net loans and leases to total assets | 77.4215% | 1,211 |
| Net loans and leases to deposits | 88.3145% | 1,755 |
| Net loans and leases to core deposits | 117.6819% | 534 |
| Total domestic deposits to total assets | 87.6657% | 1,908 |
| Equity capital to assets | 9.5727% | 4,210 |
| Core capital (leverage) ratio | 9.9605% | 3,553 |
| Tier 1 risk-based capital ratio | 11.0912% | 5,262 |
| Total risk-based capital ratio | 12.3458% | 5,157 |
| Memoranda: | ||
| Average total assets | $287,373,000 | 2,275 |
| Average earning assets | $270,157,500 | 2,248 |
| Average equity | $27,800,000 | 2,528 |
| Average total loans | $226,051,500 | 1,977 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 2,532 |
| Cost of funding earning assets | 0.3221% | 3,822 |
| Net interest margin | 3.8636% | 2,086 |
| Noninterest income to average assets | 1.1557% | 854 |
| Noninterest expense to average assets | 2.7258% | 3,261 |
| Loan and lease loss provision to assets | -0.0813% | 5,662 |
| Net operating income to assets | 2.0491% | 285 |
| Return on assets (ROA) | 2.0511% | 298 |
| Pretax return on assets | 2.1394% | 366 |
| Return on Equity (ROE) | 21.1725% | 172 |
| Retained earnings to average equity (ytd only) | 3.7355% | 3,262 |
| Net charge-offs to loans | 0.0120% | 3,868 |
| Credit loss provision to net charge-offs | -892.3077% | 5,277 |
| Earnings coverage of net charge-offs (x) | 225.7308% | 310 |
| Efficiency ratio | 57.0037% | 4,951 |
| Assets per employee ($millions) | 3.8706% | 4,189 |
| Cash dividends to net income (ytd only)* | 82.3570% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 805 |
| Loan loss allowance to noncurrent loans | 1,829.0749% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 4,510 |
| Noncurrent loans to loans | 0.1038% | 4,817 |
| Net loans and leases to total assets | 76.9995% | 1,363 |
| Net loans and leases to deposits | 86.3292% | 2,130 |
| Net loans and leases to core deposits | 113.2553% | 725 |
| Total domestic deposits to total assets | 89.1928% | 1,018 |
| Equity capital to assets | 9.7813% | 3,970 |
| Core capital (leverage) ratio | 9.7514% | 3,803 |
| Tier 1 risk-based capital ratio | 11.3157% | 5,167 |
| Total risk-based capital ratio | 12.5713% | 5,063 |
| Memoranda: | ||
| Average total assets | $285,459,200 | 2,244 |
| Average earning assets | $267,909,400 | 2,232 |
| Average equity | $27,653,800 | 2,526 |
| Average total loans | $217,168,800 | 1,991 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 2,587 |
| Cost of funding earning assets | 0.3136% | 3,935 |
| Net interest margin | 3.8624% | 2,108 |
| Noninterest income to average assets | 1.1622% | 846 |
| Noninterest expense to average assets | 2.6907% | 3,375 |
| Loan and lease loss provision to assets | 0.0088% | 4,062 |
| Net operating income to assets | 2.0022% | 344 |
| Return on assets (ROA) | 2.0049% | 353 |
| Pretax return on assets | 2.0908% | 476 |
| Return on Equity (ROE) | 20.7448% | 204 |
| Retained earnings to average equity (ytd only) | 6.0629% | 2,153 |
| Net charge-offs to loans | 0.0105% | 3,563 |
| Credit loss provision to net charge-offs | 111.7647% | 2,204 |
| Earnings coverage of net charge-offs (x) | 265.6012% | 304 |
| Efficiency ratio | 56.2021% | 5,047 |
| Assets per employee ($millions) | 4.0261% | 3,922 |
| Cash dividends to net income (ytd only)* | 70.7734% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0446% | 671 |
| Loan loss allowance to noncurrent loans | 2,309.9476% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 4,680 |
| Noncurrent loans to loans | 0.0885% | 4,990 |
| Net loans and leases to total assets | 75.0018% | 1,702 |
| Net loans and leases to deposits | 84.4089% | 2,442 |
| Net loans and leases to core deposits | 114.2375% | 711 |
| Total domestic deposits to total assets | 88.8553% | 986 |
| Equity capital to assets | 10.0132% | 4,117 |
| Core capital (leverage) ratio | 9.8578% | 3,743 |
| Tier 1 risk-based capital ratio | 11.4523% | 5,118 |
| Total risk-based capital ratio | 12.7092% | 5,021 |
| Memoranda: | ||
| Average total assets | $287,152,750 | 2,242 |
| Average earning assets | $269,533,250 | 2,222 |
| Average equity | $27,752,500 | 2,544 |
| Average total loans | $216,776,500 | 2,002 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 2,687 |
| Cost of funding earning assets | 0.3136% | 3,978 |
| Net interest margin | 3.8331% | 2,200 |
| Noninterest income to average assets | 1.1636% | 826 |
| Noninterest expense to average assets | 2.6664% | 3,495 |
| Loan and lease loss provision to assets | 0.0083% | 3,913 |
| Net operating income to assets | 1.9986% | 332 |
| Return on assets (ROA) | 2.0026% | 343 |
| Pretax return on assets | 2.0884% | 479 |
| Return on Equity (ROE) | 20.9663% | 196 |
| Retained earnings to average equity (ytd only) | 10.2259% | 557 |
| Net charge-offs to loans | 0.0092% | 3,390 |
| Credit loss provision to net charge-offs | 120.0000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 302.3000% | 225 |
| Efficiency ratio | 56.0291% | 5,145 |
| Assets per employee ($millions) | 4.0322% | 3,843 |
| Cash dividends to net income (ytd only)* | 51.2271% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0609% | 660 |
| Loan loss allowance to noncurrent loans | 2,626.1905% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,752 |
| Noncurrent loans to loans | 0.0785% | 5,135 |
| Net loans and leases to total assets | 74.2848% | 1,785 |
| Net loans and leases to deposits | 83.6124% | 2,513 |
| Net loans and leases to core deposits | 115.8388% | 644 |
| Total domestic deposits to total assets | 88.8442% | 989 |
| Equity capital to assets | 10.0876% | 4,111 |
| Core capital (leverage) ratio | 9.7796% | 3,834 |
| Tier 1 risk-based capital ratio | 11.7745% | 4,992 |
| Total risk-based capital ratio | 13.0322% | 4,864 |
| Memoranda: | ||
| Average total assets | $288,927,670 | 2,248 |
| Average earning assets | $271,007,000 | 2,228 |
| Average equity | $27,596,670 | 2,559 |
| Average total loans | $217,106,000 | 2,004 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 2,887 |
| Cost of funding earning assets | 0.3106% | 4,054 |
| Net interest margin | 3.7779% | 2,378 |
| Noninterest income to average assets | 1.2701% | 676 |
| Noninterest expense to average assets | 2.5676% | 3,857 |
| Loan and lease loss provision to assets | 0.0096% | 3,566 |
| Net operating income to assets | 2.1474% | 251 |
| Return on assets (ROA) | 2.1474% | 264 |
| Pretax return on assets | 2.2391% | 353 |
| Return on Equity (ROE) | 23.1088% | 124 |
| Retained earnings to average equity (ytd only) | 9.1021% | 1,085 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3106% | 5,437 |
| Assets per employee ($millions) | 4.2886% | 3,425 |
| Cash dividends to net income (ytd only)* | 60.6119% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0531% | 750 |
| Loan loss allowance to noncurrent loans | 2,362.0321% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 4,860 |
| Noncurrent loans to loans | 0.0869% | 5,125 |
| Net loans and leases to total assets | 72.2585% | 1,993 |
| Net loans and leases to deposits | 81.2176% | 2,645 |
| Net loans and leases to core deposits | 118.2986% | 517 |
| Total domestic deposits to total assets | 88.9690% | 1,119 |
| Equity capital to assets | 9.4505% | 4,719 |
| Core capital (leverage) ratio | 9.3704% | 4,397 |
| Tier 1 risk-based capital ratio | 11.2502% | 5,370 |
| Total risk-based capital ratio | 12.5073% | 5,270 |
| Memoranda: | ||
| Average total assets | $292,263,000 | 2,234 |
| Average earning assets | $274,332,000 | 2,215 |
| Average equity | $27,158,500 | 2,588 |
| Average total loans | $218,616,000 | 1,993 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 2,314 |
| Cost of funding earning assets | 0.3050% | 4,194 |
| Net interest margin | 3.9644% | 1,833 |
| Noninterest income to average assets | 1.1446% | 900 |
| Noninterest expense to average assets | 2.6918% | 3,608 |
| Loan and lease loss provision to assets | -0.1792% | 5,964 |
| Net operating income to assets | 2.2365% | 236 |
| Return on assets (ROA) | 2.2390% | 240 |
| Pretax return on assets | 2.3352% | 278 |
| Return on Equity (ROE) | 25.1564% | 102 |
| Retained earnings to average equity (ytd only) | 10.3244% | 415 |
| Net charge-offs to loans | 0.0163% | 3,960 |
| Credit loss provision to net charge-offs | -1,472.7273% | 5,604 |
| Earnings coverage of net charge-offs (x) | 176.9697% | 370 |
| Efficiency ratio | 55.5556% | 5,392 |
| Assets per employee ($millions) | 4.2450% | 3,498 |
| Cash dividends to net income (ytd only)* | 58.9592% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9857% | 829 |
| Loan loss allowance to noncurrent loans | 2,491.5254% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 4,737 |
| Noncurrent loans to loans | 0.0797% | 5,181 |
| Net loans and leases to total assets | 74.3191% | 1,673 |
| Net loans and leases to deposits | 83.1371% | 2,459 |
| Net loans and leases to core deposits | 123.4921% | 391 |
| Total domestic deposits to total assets | 89.3934% | 914 |
| Equity capital to assets | 9.1351% | 4,981 |
| Core capital (leverage) ratio | 9.4427% | 4,260 |
| Tier 1 risk-based capital ratio | 10.8796% | 5,587 |
| Total risk-based capital ratio | 12.1363% | 5,493 |
| Memoranda: | ||
| Average total assets | $271,192,800 | 2,334 |
| Average earning assets | $253,151,000 | 2,321 |
| Average equity | $24,137,000 | 2,771 |
| Average total loans | $202,719,000 | 2,052 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 2,338 |
| Cost of funding earning assets | 0.3112% | 4,211 |
| Net interest margin | 3.9577% | 1,850 |
| Noninterest income to average assets | 1.1935% | 850 |
| Noninterest expense to average assets | 2.7131% | 3,515 |
| Loan and lease loss provision to assets | -0.2463% | 6,128 |
| Net operating income to assets | 2.3148% | 211 |
| Return on assets (ROA) | 2.3158% | 219 |
| Pretax return on assets | 2.4151% | 277 |
| Return on Equity (ROE) | 26.2095% | 94 |
| Retained earnings to average equity (ytd only) | 5.5360% | 2,556 |
| Net charge-offs to loans | 0.0121% | 3,749 |
| Credit loss provision to net charge-offs | -2,727.7778% | 5,635 |
| Earnings coverage of net charge-offs (x) | 240.0496% | 301 |
| Efficiency ratio | 55.5864% | 5,400 |
| Assets per employee ($millions) | 4.0437% | 3,814 |
| Cash dividends to net income (ytd only)* | 78.8779% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1194% | 748 |
| Loan loss allowance to noncurrent loans | 2,145.6311% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 4,742 |
| Noncurrent loans to loans | 0.0988% | 5,240 |
| Net loans and leases to total assets | 73.1600% | 1,877 |
| Net loans and leases to deposits | 81.6724% | 2,685 |
| Net loans and leases to core deposits | 112.4214% | 737 |
| Total domestic deposits to total assets | 89.5773% | 740 |
| Equity capital to assets | 8.6074% | 5,641 |
| Core capital (leverage) ratio | 8.8601% | 5,169 |
| Tier 1 risk-based capital ratio | 10.1412% | 6,001 |
| Total risk-based capital ratio | 11.3991% | 5,939 |
| Memoranda: | ||
| Average total assets | $265,765,500 | 2,396 |
| Average earning assets | $247,615,000 | 2,381 |
| Average equity | $23,482,000 | 2,859 |
| Average total loans | $197,875,750 | 2,092 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,209 |
| Cost of funding earning assets | 0.3220% | 4,130 |
| Net interest margin | 3.9658% | 1,755 |
| Noninterest income to average assets | 1.2206% | 815 |
| Noninterest expense to average assets | 2.7136% | 3,549 |
| Loan and lease loss provision to assets | -0.3773% | 6,252 |
| Net operating income to assets | 2.4627% | 173 |
| Return on assets (ROA) | 2.4649% | 183 |
| Pretax return on assets | 2.5713% | 225 |
| Return on Equity (ROE) | 27.6433% | 85 |
| Retained earnings to average equity (ytd only) | 7.8356% | 1,330 |
| Net charge-offs to loans | 0.0134% | 3,461 |
| Credit loss provision to net charge-offs | -3,792.3077% | 5,565 |
| Earnings coverage of net charge-offs (x) | 220.3077% | 318 |
| Efficiency ratio | 55.3198% | 5,491 |
| Assets per employee ($millions) | 3.8403% | 4,189 |
| Cash dividends to net income (ytd only)* | 71.6548% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 726 |
| Loan loss allowance to noncurrent loans | 3,538.4000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 4,896 |
| Noncurrent loans to loans | 0.0625% | 5,483 |
| Net loans and leases to total assets | 73.8460% | 1,686 |
| Net loans and leases to deposits | 90.6492% | 1,518 |
| Net loans and leases to core deposits | 116.4819% | 578 |
| Total domestic deposits to total assets | 81.4636% | 4,459 |
| Equity capital to assets | 8.9863% | 5,244 |
| Core capital (leverage) ratio | 9.0656% | 4,869 |
| Tier 1 risk-based capital ratio | 10.9654% | 5,725 |
| Total risk-based capital ratio | 12.2254% | 5,639 |
| Memoranda: | ||
| Average total assets | $261,348,670 | 2,446 |
| Average earning assets | $242,824,670 | 2,436 |
| Average equity | $23,304,000 | 2,886 |
| Average total loans | $194,318,330 | 2,137 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 2,224 |
| Cost of funding earning assets | 0.3229% | 4,191 |
| Net interest margin | 3.9395% | 1,746 |
| Noninterest income to average assets | 1.2222% | 757 |
| Noninterest expense to average assets | 2.7141% | 3,535 |
| Loan and lease loss provision to assets | -0.3761% | 6,328 |
| Net operating income to assets | 2.4461% | 170 |
| Return on assets (ROA) | 2.4506% | 179 |
| Pretax return on assets | 2.5554% | 218 |
| Return on Equity (ROE) | 27.5922% | 78 |
| Retained earnings to average equity (ytd only) | -0.8850% | 5,532 |
| Net charge-offs to loans | 0.0021% | 3,244 |
| Credit loss provision to net charge-offs | -24,400.0000% | 5,342 |
| Earnings coverage of net charge-offs (x) | 1,411.0000% | 23 |
| Efficiency ratio | 55.5170% | 5,556 |
| Assets per employee ($millions) | 3.8816% | 4,199 |
| Cash dividends to net income (ytd only)* | 103.2075% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4113% | 600 |
| Loan loss allowance to noncurrent loans | 3,002.5641% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 4,825 |
| Noncurrent loans to loans | 0.0803% | 5,457 |
| Net loans and leases to total assets | 72.8927% | 1,674 |
| Net loans and leases to deposits | 83.9438% | 2,085 |
| Net loans and leases to core deposits | 111.7206% | 671 |
| Total domestic deposits to total assets | 86.8351% | 2,465 |
| Equity capital to assets | 8.8780% | 5,415 |
| Core capital (leverage) ratio | 8.7914% | 5,216 |
| Tier 1 risk-based capital ratio | 10.9583% | 5,824 |
| Total risk-based capital ratio | 12.2202% | 5,751 |
| Memoranda: | ||
| Average total assets | $259,532,500 | 2,473 |
| Average earning assets | $241,551,500 | 2,458 |
| Average equity | $23,050,000 | 2,928 |
| Average total loans | $191,427,000 | 2,169 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2796% | 2,684 |
| Cost of funding earning assets | 0.3518% | 4,234 |
| Net interest margin | 3.9278% | 2,126 |
| Noninterest income to average assets | 1.4156% | 607 |
| Noninterest expense to average assets | 2.8508% | 3,302 |
| Loan and lease loss provision to assets | -0.0802% | 6,109 |
| Net operating income to assets | 2.1729% | 233 |
| Return on assets (ROA) | 2.1910% | 229 |
| Pretax return on assets | 2.2870% | 266 |
| Return on Equity (ROE) | 26.4628% | 87 |
| Retained earnings to average equity (ytd only) | 12.3493% | 273 |
| Net charge-offs to loans | -0.4184% | 6,375 |
| Credit loss provision to net charge-offs | 27.8820% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5779% | 5,610 |
| Assets per employee ($millions) | 3.8656% | 4,230 |
| Cash dividends to net income (ytd only)* | 53.3333% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6135% | 477 |
| Loan loss allowance to noncurrent loans | 2,358.3732% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 4,813 |
| Noncurrent loans to loans | 0.1108% | 5,449 |
| Net loans and leases to total assets | 70.9160% | 2,092 |
| Net loans and leases to deposits | 83.2121% | 2,309 |
| Net loans and leases to core deposits | 113.9442% | 609 |
| Total domestic deposits to total assets | 85.2233% | 3,200 |
| Equity capital to assets | 8.8847% | 5,392 |
| Core capital (leverage) ratio | 8.8078% | 5,236 |
| Tier 1 risk-based capital ratio | 11.0749% | 5,879 |
| Total risk-based capital ratio | 12.3212% | 5,823 |
| Memoranda: | ||
| Average total assets | $259,469,400 | 2,434 |
| Average earning assets | $239,345,800 | 2,433 |
| Average equity | $21,483,000 | 3,002 |
| Average total loans | $178,291,000 | 2,248 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 2,813 |
| Cost of funding earning assets | 0.3570% | 4,271 |
| Net interest margin | 3.8915% | 2,278 |
| Noninterest income to average assets | 1.2460% | 783 |
| Noninterest expense to average assets | 2.8085% | 3,429 |
| Loan and lease loss provision to assets | 0.0144% | 4,126 |
| Net operating income to assets | 1.9220% | 406 |
| Return on assets (ROA) | 1.9461% | 390 |
| Pretax return on assets | 2.0319% | 529 |
| Return on Equity (ROE) | 23.9414% | 128 |
| Retained earnings to average equity (ytd only) | 10.5079% | 595 |
| Net charge-offs to loans | -0.4917% | 6,457 |
| Credit loss provision to net charge-offs | -4.3210% | 5,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1517% | 5,420 |
| Assets per employee ($millions) | 3.7985% | 4,294 |
| Cash dividends to net income (ytd only)* | 56.1099% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8255% | 429 |
| Loan loss allowance to noncurrent loans | 2,447.8261% | 246 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 2,841 |
| Noncurrent loans to loans | 0.1154% | 5,581 |
| Net loans and leases to total assets | 67.4664% | 2,618 |
| Net loans and leases to deposits | 77.0787% | 3,063 |
| Net loans and leases to core deposits | 105.6754% | 972 |
| Total domestic deposits to total assets | 87.5292% | 2,020 |
| Equity capital to assets | 8.5548% | 5,758 |
| Core capital (leverage) ratio | 8.4793% | 5,675 |
| Tier 1 risk-based capital ratio | 10.8574% | 6,057 |
| Total risk-based capital ratio | 12.1044% | 6,012 |
| Memoranda: | ||
| Average total assets | $259,588,000 | 2,454 |
| Average earning assets | $239,043,500 | 2,449 |
| Average equity | $21,101,000 | 3,052 |
| Average total loans | $175,714,250 | 2,286 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2402% | 2,806 |
| Cost of funding earning assets | 0.3638% | 4,272 |
| Net interest margin | 3.8764% | 2,270 |
| Noninterest income to average assets | 1.2261% | 780 |
| Noninterest expense to average assets | 2.8013% | 3,502 |
| Loan and lease loss provision to assets | 0.0054% | 4,124 |
| Net operating income to assets | 1.9006% | 410 |
| Return on assets (ROA) | 1.9368% | 399 |
| Pretax return on assets | 2.0222% | 536 |
| Return on Equity (ROE) | 24.2477% | 129 |
| Retained earnings to average equity (ytd only) | 7.3956% | 1,569 |
| Net charge-offs to loans | -0.7770% | 6,557 |
| Credit loss provision to net charge-offs | -1.0324% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4685% | 5,493 |
| Assets per employee ($millions) | 3.7689% | 4,315 |
| Cash dividends to net income (ytd only)* | 69.4996% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8531% | 451 |
| Loan loss allowance to noncurrent loans | 1,429.8592% | 374 |
| Noncurrent assets plus other real estate owned to assets | 1.1555% | 2,767 |
| Noncurrent loans to loans | 0.1995% | 5,417 |
| Net loans and leases to total assets | 66.4597% | 2,680 |
| Net loans and leases to deposits | 73.9605% | 3,320 |
| Net loans and leases to core deposits | 101.3517% | 1,182 |
| Total domestic deposits to total assets | 89.8584% | 875 |
| Equity capital to assets | 8.1017% | 6,095 |
| Core capital (leverage) ratio | 8.0915% | 6,025 |
| Tier 1 risk-based capital ratio | 10.4591% | 6,262 |
| Total risk-based capital ratio | 11.7249% | 6,206 |
| Memoranda: | ||
| Average total assets | $260,017,670 | 2,458 |
| Average earning assets | $239,142,000 | 2,453 |
| Average equity | $20,769,000 | 3,087 |
| Average total loans | $174,508,330 | 2,300 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 2,707 |
| Cost of funding earning assets | 0.3764% | 4,238 |
| Net interest margin | 3.8678% | 2,201 |
| Noninterest income to average assets | 1.2231% | 736 |
| Noninterest expense to average assets | 2.9031% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7969% | 487 |
| Return on assets (ROA) | 1.8692% | 448 |
| Pretax return on assets | 1.9523% | 587 |
| Return on Equity (ROE) | 23.5705% | 157 |
| Retained earnings to average equity (ytd only) | 16.5672% | 240 |
| Net charge-offs to loans | 0.0139% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 203.3333% | 236 |
| Efficiency ratio | 60.7338% | 5,305 |
| Assets per employee ($millions) | 3.9023% | 4,139 |
| Cash dividends to net income (ytd only)* | 29.7119% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5221% | 798 |
| Loan loss allowance to noncurrent loans | 1,693.0502% | 335 |
| Noncurrent assets plus other real estate owned to assets | 1.1126% | 3,033 |
| Noncurrent loans to loans | 0.1490% | 5,640 |
| Net loans and leases to total assets | 64.8215% | 2,759 |
| Net loans and leases to deposits | 72.4347% | 3,280 |
| Net loans and leases to core deposits | 100.7245% | 1,055 |
| Total domestic deposits to total assets | 89.4896% | 1,369 |
| Equity capital to assets | 8.0775% | 5,997 |
| Core capital (leverage) ratio | 8.0737% | 6,064 |
| Tier 1 risk-based capital ratio | 10.6447% | 6,290 |
| Total risk-based capital ratio | 11.8829% | 6,262 |
| Memoranda: | ||
| Average total assets | $259,998,000 | 2,455 |
| Average earning assets | $239,100,000 | 2,454 |
| Average equity | $20,619,000 | 3,107 |
| Average total loans | $172,808,000 | 2,314 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 3,086 |
| Cost of funding earning assets | 0.4363% | 4,250 |
| Net interest margin | 3.8300% | 2,535 |
| Noninterest income to average assets | 1.0836% | 1,206 |
| Noninterest expense to average assets | 2.8162% | 3,672 |
| Loan and lease loss provision to assets | 0.2466% | 1,462 |
| Net operating income to assets | 1.4548% | 907 |
| Return on assets (ROA) | 1.4097% | 1,044 |
| Pretax return on assets | 1.4684% | 1,556 |
| Return on Equity (ROE) | 16.8887% | 513 |
| Retained earnings to average equity (ytd only) | -7.3774% | 6,480 |
| Net charge-offs to loans | -0.0853% | 6,440 |
| Credit loss provision to net charge-offs | -453.2374% | 6,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5135% | 5,291 |
| Assets per employee ($millions) | 3.8021% | 4,259 |
| Cash dividends to net income (ytd only)* | 143.6823% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5566% | 770 |
| Loan loss allowance to noncurrent loans | 1,186.7568% | 443 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 3,062 |
| Noncurrent loans to loans | 0.2154% | 5,537 |
| Net loans and leases to total assets | 64.7329% | 2,916 |
| Net loans and leases to deposits | 75.2330% | 3,064 |
| Net loans and leases to core deposits | 105.5619% | 818 |
| Total domestic deposits to total assets | 86.0432% | 3,240 |
| Equity capital to assets | 7.7817% | 6,143 |
| Core capital (leverage) ratio | 7.9268% | 6,188 |
| Tier 1 risk-based capital ratio | 10.1376% | 6,478 |
| Total risk-based capital ratio | 11.3996% | 6,429 |
| Memoranda: | ||
| Average total assets | $255,451,400 | 2,480 |
| Average earning assets | $233,080,800 | 2,487 |
| Average equity | $21,322,000 | 2,999 |
| Average total loans | $162,974,800 | 2,380 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 3,179 |
| Cost of funding earning assets | 0.4421% | 4,361 |
| Net interest margin | 3.8126% | 2,599 |
| Noninterest income to average assets | 1.1324% | 1,141 |
| Noninterest expense to average assets | 2.8312% | 3,553 |
| Loan and lease loss provision to assets | 0.3298% | 1,002 |
| Net operating income to assets | 1.3863% | 1,135 |
| Return on assets (ROA) | 1.3863% | 1,184 |
| Pretax return on assets | 1.4434% | 1,784 |
| Return on Equity (ROE) | 16.3281% | 606 |
| Retained earnings to average equity (ytd only) | -7.7941% | 6,591 |
| Net charge-offs to loans | -0.0017% | 5,677 |
| Credit loss provision to net charge-offs | -31,500.0000% | 6,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4895% | 5,207 |
| Assets per employee ($millions) | 3.7138% | 4,429 |
| Cash dividends to net income (ytd only)* | 147.7341% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5746% | 857 |
| Loan loss allowance to noncurrent loans | 840.7115% | 559 |
| Noncurrent assets plus other real estate owned to assets | 1.3416% | 2,956 |
| Noncurrent loans to loans | 0.3062% | 5,462 |
| Net loans and leases to total assets | 62.8190% | 3,198 |
| Net loans and leases to deposits | 70.4924% | 3,714 |
| Net loans and leases to core deposits | 98.1214% | 1,235 |
| Total domestic deposits to total assets | 89.1146% | 1,500 |
| Equity capital to assets | 7.9235% | 6,196 |
| Core capital (leverage) ratio | 8.1639% | 6,093 |
| Tier 1 risk-based capital ratio | 10.6332% | 6,415 |
| Total risk-based capital ratio | 11.8953% | 6,380 |
| Memoranda: | ||
| Average total assets | $254,679,000 | 2,501 |
| Average earning assets | $231,924,750 | 2,517 |
| Average equity | $21,622,750 | 3,003 |
| Average total loans | $160,780,500 | 2,425 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 3,272 |
| Cost of funding earning assets | 0.4400% | 4,543 |
| Net interest margin | 3.7831% | 2,622 |
| Noninterest income to average assets | 1.0773% | 1,318 |
| Noninterest expense to average assets | 2.8392% | 3,552 |
| Loan and lease loss provision to assets | 0.4958% | 553 |
| Net operating income to assets | 1.1410% | 1,777 |
| Return on assets (ROA) | 1.1410% | 1,889 |
| Pretax return on assets | 1.1859% | 2,738 |
| Return on Equity (ROE) | 13.1446% | 1,213 |
| Retained earnings to average equity (ytd only) | -2.8284% | 6,287 |
| Net charge-offs to loans | -0.0013% | 5,503 |
| Credit loss provision to net charge-offs | -63,000.0000% | 6,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8024% | 5,048 |
| Assets per employee ($millions) | 3.6254% | 4,560 |
| Cash dividends to net income (ytd only)* | 121.5172% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6079% | 881 |
| Loan loss allowance to noncurrent loans | 1,017.4641% | 459 |
| Noncurrent assets plus other real estate owned to assets | 1.3484% | 3,077 |
| Noncurrent loans to loans | 0.2563% | 5,665 |
| Net loans and leases to total assets | 62.5873% | 3,184 |
| Net loans and leases to deposits | 70.6157% | 3,639 |
| Net loans and leases to core deposits | 97.6574% | 1,241 |
| Total domestic deposits to total assets | 88.6309% | 1,824 |
| Equity capital to assets | 8.3751% | 5,892 |
| Core capital (leverage) ratio | 8.5455% | 5,617 |
| Tier 1 risk-based capital ratio | 11.4567% | 6,135 |
| Total risk-based capital ratio | 12.7191% | 6,092 |
| Memoranda: | ||
| Average total assets | $254,154,670 | 2,513 |
| Average earning assets | $231,345,670 | 2,525 |
| Average equity | $22,062,330 | 2,977 |
| Average total loans | $159,297,670 | 2,452 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 3,256 |
| Cost of funding earning assets | 0.4376% | 4,729 |
| Net interest margin | 3.7749% | 2,545 |
| Noninterest income to average assets | 1.1748% | 1,088 |
| Noninterest expense to average assets | 2.9000% | 3,344 |
| Loan and lease loss provision to assets | 0.5945% | 428 |
| Net operating income to assets | 1.0616% | 1,987 |
| Return on assets (ROA) | 1.0616% | 2,104 |
| Pretax return on assets | 1.0993% | 2,950 |
| Return on Equity (ROE) | 12.0179% | 1,422 |
| Retained earnings to average equity (ytd only) | 5.4481% | 2,979 |
| Net charge-offs to loans | 0.0102% | 3,944 |
| Credit loss provision to net charge-offs | 9,450.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 269.2500% | 144 |
| Efficiency ratio | 63.1291% | 5,136 |
| Assets per employee ($millions) | 3.5681% | 4,845 |
| Cash dividends to net income (ytd only)* | 54.6667% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5673% | 1,047 |
| Loan loss allowance to noncurrent loans | 960.5769% | 492 |
| Noncurrent assets plus other real estate owned to assets | 1.4033% | 3,169 |
| Noncurrent loans to loans | 0.2673% | 5,742 |
| Net loans and leases to total assets | 59.8633% | 3,450 |
| Net loans and leases to deposits | 67.2669% | 3,876 |
| Net loans and leases to core deposits | 96.0675% | 1,197 |
| Total domestic deposits to total assets | 88.9937% | 1,687 |
| Equity capital to assets | 8.9201% | 5,587 |
| Core capital (leverage) ratio | 8.8443% | 5,128 |
| Tier 1 risk-based capital ratio | 12.2339% | 5,768 |
| Total risk-based capital ratio | 13.4956% | 5,716 |
| Memoranda: | ||
| Average total assets | $254,344,500 | 2,539 |
| Average earning assets | $230,363,500 | 2,567 |
| Average equity | $22,466,500 | 2,984 |
| Average total loans | $157,404,500 | 2,491 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5053% | 3,373 |
| Cost of funding earning assets | 0.6106% | 4,247 |
| Net interest margin | 3.8947% | 2,853 |
| Noninterest income to average assets | 0.9421% | 1,734 |
| Noninterest expense to average assets | 2.9209% | 3,560 |
| Loan and lease loss provision to assets | 0.6199% | 876 |
| Net operating income to assets | 0.8307% | 3,136 |
| Return on assets (ROA) | 0.8307% | 3,387 |
| Pretax return on assets | 0.8648% | 4,052 |
| Return on Equity (ROE) | 8.9687% | 2,651 |
| Retained earnings to average equity (ytd only) | -2.1124% | 6,175 |
| Net charge-offs to loans | 0.9164% | 1,229 |
| Credit loss provision to net charge-offs | 112.7898% | 2,581 |
| Earnings coverage of net charge-offs (x) | 2.7016% | 4,081 |
| Efficiency ratio | 66.2997% | 4,442 |
| Assets per employee ($millions) | 3.5965% | 4,790 |
| Cash dividends to net income (ytd only)* | 123.5527% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2757% | 1,402 |
| Loan loss allowance to noncurrent loans | 717.2277% | 599 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 3,117 |
| Noncurrent loans to loans | 0.3173% | 5,693 |
| Net loans and leases to total assets | 60.9100% | 3,438 |
| Net loans and leases to deposits | 69.8528% | 3,732 |
| Net loans and leases to core deposits | 96.9996% | 1,222 |
| Total domestic deposits to total assets | 87.1977% | 2,708 |
| Equity capital to assets | 8.7467% | 5,803 |
| Core capital (leverage) ratio | 8.4863% | 5,633 |
| Tier 1 risk-based capital ratio | 12.2009% | 5,660 |
| Total risk-based capital ratio | 13.4606% | 5,607 |
| Memoranda: | ||
| Average total assets | $243,280,600 | 2,598 |
| Average earning assets | $216,343,400 | 2,654 |
| Average equity | $22,534,000 | 2,909 |
| Average total loans | $145,895,600 | 2,631 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 3,429 |
| Cost of funding earning assets | 0.6340% | 4,325 |
| Net interest margin | 3.9157% | 2,855 |
| Noninterest income to average assets | 0.9617% | 1,634 |
| Noninterest expense to average assets | 2.9744% | 3,328 |
| Loan and lease loss provision to assets | 0.6154% | 874 |
| Net operating income to assets | 0.8174% | 3,362 |
| Return on assets (ROA) | 0.8174% | 3,605 |
| Pretax return on assets | 0.8507% | 4,304 |
| Return on Equity (ROE) | 8.6963% | 2,947 |
| Retained earnings to average equity (ytd only) | -1.7062% | 6,361 |
| Net charge-offs to loans | 0.6537% | 1,673 |
| Credit loss provision to net charge-offs | 158.6552% | 1,766 |
| Earnings coverage of net charge-offs (x) | 3.7797% | 3,515 |
| Efficiency ratio | 66.9833% | 4,251 |
| Assets per employee ($millions) | 3.5597% | 4,829 |
| Cash dividends to net income (ytd only)* | 119.6196% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5885% | 1,095 |
| Loan loss allowance to noncurrent loans | 441.2571% | 863 |
| Noncurrent assets plus other real estate owned to assets | 1.7409% | 2,998 |
| Noncurrent loans to loans | 0.5866% | 5,265 |
| Net loans and leases to total assets | 57.4883% | 4,205 |
| Net loans and leases to deposits | 66.2036% | 4,444 |
| Net loans and leases to core deposits | 90.9636% | 1,876 |
| Total domestic deposits to total assets | 86.8356% | 2,777 |
| Equity capital to assets | 8.9518% | 5,868 |
| Core capital (leverage) ratio | 8.7626% | 5,388 |
| Tier 1 risk-based capital ratio | 12.5936% | 5,571 |
| Total risk-based capital ratio | 13.8557% | 5,521 |
| Memoranda: | ||
| Average total assets | $240,262,750 | 2,648 |
| Average earning assets | $213,461,750 | 2,716 |
| Average equity | $22,583,750 | 2,923 |
| Average total loans | $142,580,250 | 2,723 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 3,230 |
| Cost of funding earning assets | 0.6676% | 4,300 |
| Net interest margin | 3.9616% | 2,674 |
| Noninterest income to average assets | 1.0775% | 1,232 |
| Noninterest expense to average assets | 3.0148% | 3,205 |
| Loan and lease loss provision to assets | 0.6844% | 819 |
| Net operating income to assets | 0.8513% | 3,131 |
| Return on assets (ROA) | 0.8513% | 3,406 |
| Pretax return on assets | 0.8869% | 4,130 |
| Return on Equity (ROE) | 8.9056% | 2,851 |
| Retained earnings to average equity (ytd only) | -5.7156% | 6,658 |
| Net charge-offs to loans | 0.9944% | 1,117 |
| Credit loss provision to net charge-offs | 115.7593% | 2,372 |
| Earnings coverage of net charge-offs (x) | 2.6576% | 3,677 |
| Efficiency ratio | 65.7370% | 4,583 |
| Assets per employee ($millions) | 3.3715% | 5,268 |
| Cash dividends to net income (ytd only)* | 164.1791% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5096% | 1,266 |
| Loan loss allowance to noncurrent loans | 314.8541% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 2.0319% | 2,745 |
| Noncurrent loans to loans | 0.7971% | 4,914 |
| Net loans and leases to total assets | 57.7889% | 4,201 |
| Net loans and leases to deposits | 66.5776% | 4,434 |
| Net loans and leases to core deposits | 90.8783% | 1,887 |
| Total domestic deposits to total assets | 86.7992% | 2,893 |
| Equity capital to assets | 9.2990% | 5,318 |
| Core capital (leverage) ratio | 9.2864% | 4,469 |
| Tier 1 risk-based capital ratio | 12.7523% | 5,377 |
| Total risk-based capital ratio | 14.0130% | 5,339 |
| Memoranda: | ||
| Average total assets | $236,103,000 | 2,701 |
| Average earning assets | $209,110,000 | 2,777 |
| Average equity | $22,570,000 | 2,910 |
| Average total loans | $140,387,670 | 2,763 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 3,469 |
| Cost of funding earning assets | 0.7300% | 4,026 |
| Net interest margin | 3.8772% | 3,021 |
| Noninterest income to average assets | 0.9383% | 1,602 |
| Noninterest expense to average assets | 3.0469% | 3,092 |
| Loan and lease loss provision to assets | 0.7251% | 710 |
| Net operating income to assets | 0.5766% | 4,459 |
| Return on assets (ROA) | 0.5766% | 4,685 |
| Pretax return on assets | 0.6005% | 5,119 |
| Return on Equity (ROE) | 5.9494% | 4,320 |
| Retained earnings to average equity (ytd only) | -3.8548% | 6,477 |
| Net charge-offs to loans | 1.9909% | 472 |
| Credit loss provision to net charge-offs | 61.1511% | 3,091 |
| Earnings coverage of net charge-offs (x) | 1.1180% | 3,773 |
| Efficiency ratio | 69.6840% | 3,871 |
| Assets per employee ($millions) | 3.3876% | 5,372 |
| Cash dividends to net income (ytd only)* | 164.7929% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2323% | 1,823 |
| Loan loss allowance to noncurrent loans | 180.7386% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 1.9377% | 2,987 |
| Noncurrent loans to loans | 1.2351% | 4,274 |
| Net loans and leases to total assets | 58.7513% | 3,910 |
| Net loans and leases to deposits | 67.8990% | 4,079 |
| Net loans and leases to core deposits | 87.7573% | 2,076 |
| Total domestic deposits to total assets | 86.5275% | 3,224 |
| Equity capital to assets | 9.5444% | 4,731 |
| Core capital (leverage) ratio | 9.3753% | 4,230 |
| Tier 1 risk-based capital ratio | 13.0480% | 5,179 |
| Total risk-based capital ratio | 14.3058% | 5,137 |
| Memoranda: | ||
| Average total assets | $234,464,500 | 2,722 |
| Average earning assets | $207,678,000 | 2,802 |
| Average equity | $22,725,000 | 2,878 |
| Average total loans | $139,633,500 | 2,788 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 4,343 |
| Cost of funding earning assets | 0.8577% | 4,412 |
| Net interest margin | 3.8185% | 3,730 |
| Noninterest income to average assets | 1.0760% | 1,154 |
| Noninterest expense to average assets | 3.0890% | 3,240 |
| Loan and lease loss provision to assets | 0.6169% | 1,673 |
| Net operating income to assets | 0.7239% | 3,368 |
| Return on assets (ROA) | 0.7239% | 3,542 |
| Pretax return on assets | 0.7511% | 4,151 |
| Return on Equity (ROE) | 7.5197% | 3,138 |
| Retained earnings to average equity (ytd only) | 5.8663% | 2,098 |
| Net charge-offs to loans | 1.2209% | 1,374 |
| Credit loss provision to net charge-offs | 82.6675% | 4,339 |
| Earnings coverage of net charge-offs (x) | 1.8331% | 4,401 |
| Efficiency ratio | 69.3064% | 4,091 |
| Assets per employee ($millions) | 3.2194% | 5,671 |
| Cash dividends to net income (ytd only)* | 21.9867% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5226% | 1,287 |
| Loan loss allowance to noncurrent loans | 582.7703% | 607 |
| Noncurrent assets plus other real estate owned to assets | 1.9297% | 3,065 |
| Noncurrent loans to loans | 0.4329% | 5,842 |
| Net loans and leases to total assets | 57.5149% | 4,461 |
| Net loans and leases to deposits | 66.8197% | 4,621 |
| Net loans and leases to core deposits | 84.7247% | 2,781 |
| Total domestic deposits to total assets | 86.0747% | 3,277 |
| Equity capital to assets | 9.8437% | 4,378 |
| Core capital (leverage) ratio | 9.8113% | 3,582 |
| Tier 1 risk-based capital ratio | 13.6597% | 4,577 |
| Total risk-based capital ratio | 14.9203% | 4,536 |
| Memoranda: | ||
| Average total assets | $228,069,400 | 2,749 |
| Average earning assets | $201,939,800 | 2,827 |
| Average equity | $21,955,800 | 2,897 |
| Average total loans | $139,401,000 | 2,799 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 4,265 |
| Cost of funding earning assets | 0.8749% | 4,594 |
| Net interest margin | 3.8678% | 3,528 |
| Noninterest income to average assets | 1.0654% | 1,185 |
| Noninterest expense to average assets | 3.1170% | 3,098 |
| Loan and lease loss provision to assets | 0.7073% | 1,357 |
| Net operating income to assets | 0.6463% | 3,891 |
| Return on assets (ROA) | 0.6463% | 4,067 |
| Pretax return on assets | 0.6692% | 4,578 |
| Return on Equity (ROE) | 6.7522% | 3,636 |
| Retained earnings to average equity (ytd only) | 5.3232% | 2,975 |
| Net charge-offs to loans | 1.5431% | 928 |
| Credit loss provision to net charge-offs | 74.3368% | 4,346 |
| Earnings coverage of net charge-offs (x) | 1.4466% | 4,548 |
| Efficiency ratio | 69.3664% | 4,067 |
| Assets per employee ($millions) | 3.1220% | 5,858 |
| Cash dividends to net income (ytd only)* | 21.1627% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4163% | 1,512 |
| Loan loss allowance to noncurrent loans | 313.4652% | 998 |
| Noncurrent assets plus other real estate owned to assets | 1.9728% | 3,174 |
| Noncurrent loans to loans | 0.7708% | 5,331 |
| Net loans and leases to total assets | 60.6523% | 4,017 |
| Net loans and leases to deposits | 70.9199% | 4,151 |
| Net loans and leases to core deposits | 93.0016% | 1,883 |
| Total domestic deposits to total assets | 85.5223% | 3,478 |
| Equity capital to assets | 10.1351% | 4,174 |
| Core capital (leverage) ratio | 9.7120% | 3,826 |
| Tier 1 risk-based capital ratio | 13.4360% | 4,786 |
| Total risk-based capital ratio | 14.6962% | 4,747 |
| Memoranda: | ||
| Average total assets | $227,138,250 | 2,765 |
| Average earning assets | $201,312,750 | 2,840 |
| Average equity | $21,740,500 | 2,907 |
| Average total loans | $140,059,750 | 2,809 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 4,817 |
| Cost of funding earning assets | 0.8840% | 4,802 |
| Net interest margin | 3.7514% | 4,023 |
| Noninterest income to average assets | 0.9792% | 1,379 |
| Noninterest expense to average assets | 3.1254% | 3,160 |
| Loan and lease loss provision to assets | 0.7879% | 1,170 |
| Net operating income to assets | 0.3878% | 5,007 |
| Return on assets (ROA) | 0.3878% | 5,141 |
| Pretax return on assets | 0.3983% | 5,401 |
| Return on Equity (ROE) | 4.1305% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.5444% | 3,987 |
| Net charge-offs to loans | 1.7043% | 842 |
| Credit loss provision to net charge-offs | 75.1667% | 3,911 |
| Earnings coverage of net charge-offs (x) | 1.1317% | 4,426 |
| Efficiency ratio | 72.4878% | 3,635 |
| Assets per employee ($millions) | 3.0930% | 5,894 |
| Cash dividends to net income (ytd only)* | 14.1892% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5317% | 1,397 |
| Loan loss allowance to noncurrent loans | 279.3355% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 1.8140% | 3,485 |
| Noncurrent loans to loans | 0.9063% | 5,150 |
| Net loans and leases to total assets | 57.9790% | 4,628 |
| Net loans and leases to deposits | 67.0466% | 4,845 |
| Net loans and leases to core deposits | 89.8531% | 2,390 |
| Total domestic deposits to total assets | 86.4756% | 3,051 |
| Equity capital to assets | 9.5328% | 4,763 |
| Core capital (leverage) ratio | 9.3688% | 4,156 |
| Tier 1 risk-based capital ratio | 13.4077% | 4,603 |
| Total risk-based capital ratio | 14.6688% | 4,581 |
| Memoranda: | ||
| Average total assets | $228,962,670 | 2,764 |
| Average earning assets | $203,392,330 | 2,831 |
| Average equity | $21,498,670 | 2,927 |
| Average total loans | $140,821,670 | 2,830 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 4,967 |
| Cost of funding earning assets | 0.9087% | 4,859 |
| Net interest margin | 3.6858% | 4,176 |
| Noninterest income to average assets | 1.2367% | 831 |
| Noninterest expense to average assets | 3.1773% | 2,972 |
| Loan and lease loss provision to assets | 1.0498% | 716 |
| Net operating income to assets | 0.2882% | 5,467 |
| Return on assets (ROA) | 0.2882% | 5,539 |
| Pretax return on assets | 0.2900% | 5,685 |
| Return on Equity (ROE) | 3.0930% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.7931% | 4,493 |
| Net charge-offs to loans | 3.3586% | 301 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 0.6381% | 4,145 |
| Efficiency ratio | 70.3403% | 4,189 |
| Assets per employee ($millions) | 3.2929% | 5,499 |
| Cash dividends to net income (ytd only)* | 9.6970% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2683% | 1,822 |
| Loan loss allowance to noncurrent loans | 217.8794% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 1.9696% | 3,355 |
| Noncurrent loans to loans | 1.0411% | 4,976 |
| Net loans and leases to total assets | 58.7689% | 4,505 |
| Net loans and leases to deposits | 67.5801% | 4,734 |
| Net loans and leases to core deposits | 90.1668% | 2,330 |
| Total domestic deposits to total assets | 86.9619% | 2,962 |
| Equity capital to assets | 9.3049% | 4,718 |
| Core capital (leverage) ratio | 9.1227% | 4,411 |
| Tier 1 risk-based capital ratio | 12.9429% | 4,868 |
| Total risk-based capital ratio | 14.2014% | 4,849 |
| Memoranda: | ||
| Average total assets | $229,002,500 | 2,778 |
| Average earning assets | $203,811,500 | 2,849 |
| Average equity | $21,338,500 | 2,940 |
| Average total loans | $143,157,000 | 2,821 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 4,567 |
| Cost of funding earning assets | 1.1403% | 4,907 |
| Net interest margin | 3.8580% | 3,699 |
| Noninterest income to average assets | 1.2865% | 889 |
| Noninterest expense to average assets | 3.1703% | 3,188 |
| Loan and lease loss provision to assets | 1.1902% | 1,321 |
| Net operating income to assets | 0.4015% | 4,530 |
| Return on assets (ROA) | 0.4732% | 4,378 |
| Pretax return on assets | 0.4575% | 4,769 |
| Return on Equity (ROE) | 5.0745% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.1278% | 2,965 |
| Net charge-offs to loans | 1.7635% | 1,203 |
| Credit loss provision to net charge-offs | 100.6061% | 4,520 |
| Earnings coverage of net charge-offs (x) | 1.3322% | 4,775 |
| Efficiency ratio | 66.7957% | 4,802 |
| Assets per employee ($millions) | 3.0744% | 5,936 |
| Cash dividends to net income (ytd only)* | 18.6553% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5354% | 1,372 |
| Loan loss allowance to noncurrent loans | 111.6244% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 2.5367% | 2,730 |
| Noncurrent loans to loans | 2.2714% | 3,252 |
| Net loans and leases to total assets | 63.2789% | 4,016 |
| Net loans and leases to deposits | 72.8615% | 4,371 |
| Net loans and leases to core deposits | 105.9479% | 1,193 |
| Total domestic deposits to total assets | 86.8481% | 2,911 |
| Equity capital to assets | 9.3313% | 4,646 |
| Core capital (leverage) ratio | 9.1091% | 4,347 |
| Tier 1 risk-based capital ratio | 12.4618% | 5,056 |
| Total risk-based capital ratio | 13.7239% | 5,031 |
| Memoranda: | ||
| Average total assets | $223,163,400 | 2,827 |
| Average earning assets | $200,129,600 | 2,877 |
| Average equity | $20,810,000 | 3,037 |
| Average total loans | $149,698,400 | 2,775 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0249% | 4,694 |
| Cost of funding earning assets | 1.1780% | 4,989 |
| Net interest margin | 3.8469% | 3,766 |
| Noninterest income to average assets | 1.2554% | 871 |
| Noninterest expense to average assets | 3.1922% | 2,952 |
| Loan and lease loss provision to assets | 1.1731% | 1,224 |
| Net operating income to assets | 0.3722% | 4,873 |
| Return on assets (ROA) | 0.4683% | 4,644 |
| Pretax return on assets | 0.4407% | 5,110 |
| Return on Equity (ROE) | 5.0227% | 4,278 |
| Retained earnings to average equity (ytd only) | 4.1405% | 3,559 |
| Net charge-offs to loans | 1.8633% | 1,032 |
| Credit loss provision to net charge-offs | 93.0919% | 4,656 |
| Earnings coverage of net charge-offs (x) | 1.2044% | 4,859 |
| Efficiency ratio | 67.7757% | 4,509 |
| Assets per employee ($millions) | 3.0959% | 5,926 |
| Cash dividends to net income (ytd only)* | 17.5640% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4153% | 1,451 |
| Loan loss allowance to noncurrent loans | 79.0518% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 3.2090% | 2,228 |
| Noncurrent loans to loans | 3.0553% | 2,614 |
| Net loans and leases to total assets | 64.9813% | 3,910 |
| Net loans and leases to deposits | 76.5895% | 4,072 |
| Net loans and leases to core deposits | 108.1812% | 1,150 |
| Total domestic deposits to total assets | 84.8437% | 3,701 |
| Equity capital to assets | 9.5270% | 4,797 |
| Core capital (leverage) ratio | 9.3292% | 4,168 |
| Tier 1 risk-based capital ratio | 12.4410% | 5,039 |
| Total risk-based capital ratio | 13.7022% | 5,001 |
| Memoranda: | ||
| Average total assets | $222,078,250 | 2,884 |
| Average earning assets | $199,430,250 | 2,930 |
| Average equity | $20,705,250 | 3,085 |
| Average total loans | $150,196,250 | 2,809 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 5,148 |
| Cost of funding earning assets | 1.1872% | 5,197 |
| Net interest margin | 3.7694% | 4,052 |
| Noninterest income to average assets | 1.2362% | 852 |
| Noninterest expense to average assets | 3.1920% | 2,927 |
| Loan and lease loss provision to assets | 1.0397% | 1,399 |
| Net operating income to assets | 0.4536% | 4,536 |
| Return on assets (ROA) | 0.5978% | 4,024 |
| Pretax return on assets | 0.5527% | 4,729 |
| Return on Equity (ROE) | 6.4594% | 3,568 |
| Retained earnings to average equity (ytd only) | 5.1733% | 2,803 |
| Net charge-offs to loans | 1.1593% | 1,634 |
| Credit loss provision to net charge-offs | 131.9222% | 3,052 |
| Earnings coverage of net charge-offs (x) | 1.8375% | 4,144 |
| Efficiency ratio | 68.7913% | 4,427 |
| Assets per employee ($millions) | 3.0689% | 5,998 |
| Cash dividends to net income (ytd only)* | 19.9095% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6859% | 1,108 |
| Loan loss allowance to noncurrent loans | 85.8796% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 3.8758% | 1,787 |
| Noncurrent loans to loans | 3.1275% | 2,571 |
| Net loans and leases to total assets | 65.7217% | 3,889 |
| Net loans and leases to deposits | 77.2190% | 4,128 |
| Net loans and leases to core deposits | 109.1200% | 1,227 |
| Total domestic deposits to total assets | 85.1108% | 3,571 |
| Equity capital to assets | 9.4167% | 4,841 |
| Core capital (leverage) ratio | 9.2931% | 4,133 |
| Tier 1 risk-based capital ratio | 12.5438% | 4,815 |
| Total risk-based capital ratio | 13.8089% | 4,787 |
| Memoranda: | ||
| Average total assets | $221,803,000 | 2,915 |
| Average earning assets | $200,298,330 | 2,947 |
| Average equity | $20,528,330 | 3,103 |
| Average total loans | $150,784,670 | 2,819 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 4,920 |
| Cost of funding earning assets | 1.2062% | 5,370 |
| Net interest margin | 3.8153% | 3,724 |
| Noninterest income to average assets | 1.1808% | 874 |
| Noninterest expense to average assets | 3.1806% | 2,937 |
| Loan and lease loss provision to assets | 1.0800% | 1,141 |
| Net operating income to assets | 0.4842% | 4,476 |
| Return on assets (ROA) | 0.7722% | 3,207 |
| Pretax return on assets | 0.6642% | 4,361 |
| Return on Equity (ROE) | 8.4163% | 2,695 |
| Retained earnings to average equity (ytd only) | 6.7487% | 2,240 |
| Net charge-offs to loans | 2.3858% | 703 |
| Credit loss provision to net charge-offs | 66.3717% | 4,174 |
| Earnings coverage of net charge-offs (x) | 0.8949% | 4,244 |
| Efficiency ratio | 68.5947% | 4,607 |
| Assets per employee ($millions) | 3.0798% | 6,042 |
| Cash dividends to net income (ytd only)* | 19.8135% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3229% | 1,538 |
| Loan loss allowance to noncurrent loans | 109.7405% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 2.7399% | 2,656 |
| Noncurrent loans to loans | 2.1168% | 3,631 |
| Net loans and leases to total assets | 64.0577% | 4,313 |
| Net loans and leases to deposits | 74.9608% | 4,588 |
| Net loans and leases to core deposits | 105.9494% | 1,580 |
| Total domestic deposits to total assets | 85.4548% | 3,437 |
| Equity capital to assets | 9.1351% | 5,085 |
| Core capital (leverage) ratio | 9.2286% | 4,173 |
| Tier 1 risk-based capital ratio | 12.5251% | 4,720 |
| Total risk-based capital ratio | 13.7858% | 4,673 |
| Memoranda: | ||
| Average total assets | $222,225,000 | 2,961 |
| Average earning assets | $201,294,000 | 2,979 |
| Average equity | $20,389,000 | 3,152 |
| Average total loans | $151,564,000 | 2,866 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6247% | 3,471 |
| Cost of funding earning assets | 1.4437% | 5,744 |
| Net interest margin | 4.1811% | 2,131 |
| Noninterest income to average assets | 1.1393% | 1,189 |
| Noninterest expense to average assets | 3.4590% | 2,496 |
| Loan and lease loss provision to assets | 1.0307% | 2,216 |
| Net operating income to assets | 0.4886% | 3,777 |
| Return on assets (ROA) | 0.6466% | 3,207 |
| Pretax return on assets | 0.6221% | 3,838 |
| Return on Equity (ROE) | 6.7636% | 2,883 |
| Retained earnings to average equity (ytd only) | 3.6056% | 2,660 |
| Net charge-offs to loans | 0.6908% | 3,114 |
| Credit loss provision to net charge-offs | 194.8444% | 2,035 |
| Earnings coverage of net charge-offs (x) | 2.8258% | 3,677 |
| Efficiency ratio | 69.8244% | 4,664 |
| Assets per employee ($millions) | 3.0086% | 6,206 |
| Cash dividends to net income (ytd only)* | 46.6909% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3952% | 1,356 |
| Loan loss allowance to noncurrent loans | 104.3953% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 3.0220% | 2,313 |
| Noncurrent loans to loans | 2.2944% | 3,296 |
| Net loans and leases to total assets | 69.1890% | 3,440 |
| Net loans and leases to deposits | 81.2014% | 3,764 |
| Net loans and leases to core deposits | 112.2042% | 2,679 |
| Total domestic deposits to total assets | 85.2067% | 3,457 |
| Equity capital to assets | 9.2157% | 4,820 |
| Core capital (leverage) ratio | 9.0364% | 4,362 |
| Tier 1 risk-based capital ratio | 11.4374% | 5,463 |
| Total risk-based capital ratio | 12.6518% | 5,469 |
| Memoranda: | ||
| Average total assets | $212,665,600 | 3,035 |
| Average earning assets | $194,018,200 | 3,051 |
| Average equity | $20,329,400 | 3,155 |
| Average total loans | $162,852,200 | 2,717 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7190% | 3,245 |
| Cost of funding earning assets | 1.4877% | 5,871 |
| Net interest margin | 4.2314% | 1,938 |
| Noninterest income to average assets | 1.1391% | 1,212 |
| Noninterest expense to average assets | 3.4975% | 2,286 |
| Loan and lease loss provision to assets | 0.2693% | 4,810 |
| Net operating income to assets | 1.2567% | 1,327 |
| Return on assets (ROA) | 1.2567% | 1,389 |
| Pretax return on assets | 1.2415% | 2,133 |
| Return on Equity (ROE) | 13.0239% | 1,112 |
| Retained earnings to average equity (ytd only) | 8.8180% | 888 |
| Net charge-offs to loans | 0.0980% | 5,690 |
| Credit loss provision to net charge-offs | 352.0661% | 1,166 |
| Earnings coverage of net charge-offs (x) | 19.7520% | 1,270 |
| Efficiency ratio | 69.8347% | 4,624 |
| Assets per employee ($millions) | 2.8772% | 6,462 |
| Cash dividends to net income (ytd only)* | 32.2938% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 2,173 |
| Loan loss allowance to noncurrent loans | 55.6452% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 2.5677% | 2,705 |
| Noncurrent loans to loans | 3.3077% | 2,280 |
| Net loans and leases to total assets | 75.3369% | 2,147 |
| Net loans and leases to deposits | 89.7944% | 2,617 |
| Net loans and leases to core deposits | 111.7694% | 3,046 |
| Total domestic deposits to total assets | 83.8993% | 3,766 |
| Equity capital to assets | 10.1565% | 3,900 |
| Core capital (leverage) ratio | 10.0000% | 3,284 |
| Tier 1 risk-based capital ratio | 11.9819% | 4,995 |
| Total risk-based capital ratio | 13.2389% | 4,926 |
| Memoranda: | ||
| Average total assets | $210,925,500 | 3,077 |
| Average earning assets | $192,871,500 | 3,080 |
| Average equity | $20,351,750 | 3,186 |
| Average total loans | $164,643,750 | 2,717 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7628% | 3,233 |
| Cost of funding earning assets | 1.5653% | 5,860 |
| Net interest margin | 4.1975% | 2,011 |
| Noninterest income to average assets | 1.1334% | 1,224 |
| Noninterest expense to average assets | 3.6417% | 1,969 |
| Loan and lease loss provision to assets | 0.1326% | 5,765 |
| Net operating income to assets | 1.1372% | 1,641 |
| Return on assets (ROA) | 1.1372% | 1,724 |
| Pretax return on assets | 1.1855% | 2,341 |
| Return on Equity (ROE) | 11.9950% | 1,411 |
| Retained earnings to average equity (ytd only) | 8.5793% | 1,047 |
| Net charge-offs to loans | -0.1785% | 8,020 |
| Credit loss provision to net charge-offs | -94.5946% | 6,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4250% | 4,122 |
| Assets per employee ($millions) | 2.6566% | 6,940 |
| Cash dividends to net income (ytd only)* | 28.4763% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8017% | 2,041 |
| Loan loss allowance to noncurrent loans | 60.1182% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.4707% | 2,612 |
| Noncurrent loans to loans | 2.9970% | 2,410 |
| Net loans and leases to total assets | 78.6006% | 1,616 |
| Net loans and leases to deposits | 93.7450% | 2,132 |
| Net loans and leases to core deposits | 110.8199% | 3,287 |
| Total domestic deposits to total assets | 83.8451% | 3,848 |
| Equity capital to assets | 10.0080% | 3,929 |
| Core capital (leverage) ratio | 9.4552% | 3,951 |
| Tier 1 risk-based capital ratio | 11.4680% | 5,421 |
| Total risk-based capital ratio | 12.7217% | 5,334 |
| Memoranda: | ||
| Average total assets | $211,222,670 | 3,094 |
| Average earning assets | $192,545,000 | 3,113 |
| Average equity | $20,025,000 | 3,238 |
| Average total loans | $165,791,670 | 2,732 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7355% | 3,611 |
| Cost of funding earning assets | 1.6645% | 5,764 |
| Net interest margin | 4.0710% | 2,403 |
| Noninterest income to average assets | 1.0459% | 1,362 |
| Noninterest expense to average assets | 3.6037% | 1,857 |
| Loan and lease loss provision to assets | 0.2535% | 3,939 |
| Net operating income to assets | 0.8557% | 2,888 |
| Return on assets (ROA) | 0.8557% | 3,043 |
| Pretax return on assets | 0.8911% | 3,751 |
| Return on Equity (ROE) | 9.2720% | 2,619 |
| Retained earnings to average equity (ytd only) | 6.8076% | 2,283 |
| Net charge-offs to loans | -0.0815% | 7,830 |
| Credit loss provision to net charge-offs | -400.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8932% | 3,511 |
| Assets per employee ($millions) | 2.6449% | 6,989 |
| Cash dividends to net income (ytd only)* | 26.5795% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7620% | 1,953 |
| Loan loss allowance to noncurrent loans | 56.1459% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 2.3782% | 2,403 |
| Noncurrent loans to loans | 3.1383% | 2,060 |
| Net loans and leases to total assets | 73.7003% | 2,831 |
| Net loans and leases to deposits | 86.4607% | 3,554 |
| Net loans and leases to core deposits | 100.2158% | 4,518 |
| Total domestic deposits to total assets | 85.2414% | 3,095 |
| Equity capital to assets | 9.3309% | 4,890 |
| Core capital (leverage) ratio | 9.0436% | 4,629 |
| Tier 1 risk-based capital ratio | 11.2250% | 5,674 |
| Total risk-based capital ratio | 12.4580% | 5,607 |
| Memoranda: | ||
| Average total assets | $214,555,500 | 3,060 |
| Average earning assets | $195,135,000 | 3,084 |
| Average equity | $19,801,500 | 3,285 |
| Average total loans | $166,821,000 | 2,742 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6793% | 2,110 |
| Cost of funding earning assets | 2.4134% | 4,664 |
| Net interest margin | 4.2659% | 2,079 |
| Noninterest income to average assets | 1.1463% | 1,174 |
| Noninterest expense to average assets | 3.3309% | 2,864 |
| Loan and lease loss provision to assets | 0.4991% | 2,817 |
| Net operating income to assets | 1.0997% | 2,151 |
| Return on assets (ROA) | 1.1657% | 1,816 |
| Pretax return on assets | 1.2165% | 2,590 |
| Return on Equity (ROE) | 13.4895% | 1,219 |
| Retained earnings to average equity (ytd only) | 9.6217% | 505 |
| Net charge-offs to loans | 0.7733% | 1,611 |
| Credit loss provision to net charge-offs | 85.1181% | 5,785 |
| Earnings coverage of net charge-offs (x) | 2.8087% | 4,677 |
| Efficiency ratio | 66.9171% | 4,920 |
| Assets per employee ($millions) | 2.5889% | 7,031 |
| Cash dividends to net income (ytd only)* | 28.6733% | 4,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 2,504 |
| Loan loss allowance to noncurrent loans | 59.8337% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 2.0938% | 2,353 |
| Noncurrent loans to loans | 2.5729% | 2,105 |
| Net loans and leases to total assets | 79.2346% | 1,827 |
| Net loans and leases to deposits | 95.1805% | 2,582 |
| Net loans and leases to core deposits | 108.0215% | 3,966 |
| Total domestic deposits to total assets | 83.2467% | 3,674 |
| Equity capital to assets | 9.1275% | 5,182 |
| Core capital (leverage) ratio | 9.1138% | 4,571 |
| Tier 1 risk-based capital ratio | 10.5562% | 6,149 |
| Total risk-based capital ratio | 11.8119% | 6,048 |
| Memoranda: | ||
| Average total assets | $216,607,800 | 2,917 |
| Average earning assets | $194,541,200 | 2,967 |
| Average equity | $18,718,200 | 3,439 |
| Average total loans | $164,229,000 | 2,710 |