Home > Clatsop Community Bank > Performance and Condition Ratios
Clatsop Community Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 3,199 |
| Cost of funding earning assets | 0.1972% | 5,121 |
| Net interest margin | 4.2093% | 1,286 |
| Noninterest income to average assets | 0.2479% | 4,237 |
| Noninterest expense to average assets | 2.7063% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0374% | 2,706 |
| Return on assets (ROA) | 1.1941% | 2,130 |
| Pretax return on assets | 1.6196% | 1,418 |
| Return on Equity (ROE) | 9.9330% | 2,401 |
| Retained earnings to average equity (ytd only) | 8.0770% | 1,630 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5656% | 3,000 |
| Assets per employee ($millions) | 5.7835% | 1,714 |
| Cash dividends to net income (ytd only)* | 18.6851% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 4,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 61.1412% | 3,586 |
| Net loans and leases to deposits | 69.6514% | 3,789 |
| Net loans and leases to core deposits | 70.7715% | 4,028 |
| Total domestic deposits to total assets | 87.7817% | 1,446 |
| Equity capital to assets | 12.0555% | 1,990 |
| Core capital (leverage) ratio | 12.3964% | 1,560 |
| Tier 1 risk-based capital ratio | 17.8171% | 1,849 |
| Total risk-based capital ratio | 18.6141% | 1,937 |
| Memoranda: | ||
| Average total assets | $96,811,500 | 4,155 |
| Average earning assets | $89,232,000 | 4,163 |
| Average equity | $11,638,000 | 4,108 |
| Average total loans | $58,386,500 | 4,123 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,963 |
| Cost of funding earning assets | 0.1780% | 5,083 |
| Net interest margin | 4.1621% | 1,498 |
| Noninterest income to average assets | 0.2890% | 4,172 |
| Noninterest expense to average assets | 2.8546% | 2,506 |
| Loan and lease loss provision to assets | -0.1062% | 5,277 |
| Net operating income to assets | 1.0273% | 2,899 |
| Return on assets (ROA) | 1.0273% | 2,885 |
| Pretax return on assets | 1.3662% | 2,255 |
| Return on Equity (ROE) | 9.0475% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.0371% | 1,219 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3777% | 2,311 |
| Assets per employee ($millions) | 5.2946% | 2,151 |
| Cash dividends to net income (ytd only)* | 11.1686% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 3,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.3182% | 3,930 |
| Net loans and leases to deposits | 66.4225% | 4,087 |
| Net loans and leases to core deposits | 66.9546% | 4,299 |
| Total domestic deposits to total assets | 87.7989% | 1,392 |
| Equity capital to assets | 11.9860% | 1,905 |
| Core capital (leverage) ratio | 11.4415% | 2,146 |
| Tier 1 risk-based capital ratio | 17.8158% | 1,808 |
| Total risk-based capital ratio | 18.6444% | 1,884 |
| Memoranda: | ||
| Average total assets | $94,128,600 | 4,198 |
| Average earning assets | $86,517,800 | 4,210 |
| Average equity | $10,688,000 | 4,208 |
| Average total loans | $59,461,200 | 4,107 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 3,086 |
| Cost of funding earning assets | 0.1688% | 5,145 |
| Net interest margin | 4.0971% | 1,640 |
| Noninterest income to average assets | 0.2941% | 4,180 |
| Noninterest expense to average assets | 2.9001% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8625% | 3,692 |
| Return on assets (ROA) | 0.8625% | 3,696 |
| Pretax return on assets | 1.1538% | 3,183 |
| Return on Equity (ROE) | 7.7046% | 3,663 |
| Retained earnings to average equity (ytd only) | 7.0192% | 2,119 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5387% | 1,957 |
| Assets per employee ($millions) | 5.6633% | 1,762 |
| Cash dividends to net income (ytd only)* | 8.8965% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.7026% | 4,071 |
| Net loans and leases to deposits | 64.8426% | 4,287 |
| Net loans and leases to core deposits | 65.3208% | 4,445 |
| Total domestic deposits to total assets | 88.9886% | 851 |
| Equity capital to assets | 10.6867% | 2,946 |
| Core capital (leverage) ratio | 11.5874% | 2,106 |
| Tier 1 risk-based capital ratio | 16.0736% | 2,416 |
| Total risk-based capital ratio | 16.9956% | 2,487 |
| Memoranda: | ||
| Average total assets | $93,835,000 | 4,241 |
| Average earning assets | $86,107,750 | 4,264 |
| Average equity | $10,504,250 | 4,273 |
| Average total loans | $60,296,750 | 4,129 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,742 |
| Cost of funding earning assets | 0.1750% | 5,129 |
| Net interest margin | 4.1310% | 1,468 |
| Noninterest income to average assets | 0.3270% | 4,006 |
| Noninterest expense to average assets | 2.9056% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9108% | 3,417 |
| Return on assets (ROA) | 0.9108% | 3,420 |
| Pretax return on assets | 1.2026% | 2,935 |
| Return on Equity (ROE) | 8.0005% | 3,508 |
| Retained earnings to average equity (ytd only) | 8.0005% | 1,634 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7265% | 2,207 |
| Assets per employee ($millions) | 5.1654% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.6032% | 3,442 |
| Net loans and leases to deposits | 71.9454% | 3,717 |
| Net loans and leases to core deposits | 72.7536% | 3,960 |
| Total domestic deposits to total assets | 88.4048% | 1,180 |
| Equity capital to assets | 11.2994% | 2,364 |
| Core capital (leverage) ratio | 11.7734% | 1,854 |
| Tier 1 risk-based capital ratio | 15.6607% | 2,560 |
| Total risk-based capital ratio | 16.6096% | 2,637 |
| Memoranda: | ||
| Average total assets | $91,133,330 | 4,336 |
| Average earning assets | $83,417,330 | 4,338 |
| Average equity | $10,374,330 | 4,327 |
| Average total loans | $60,575,000 | 4,151 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3241% | 2,439 |
| Cost of funding earning assets | 0.1796% | 5,118 |
| Net interest margin | 4.1445% | 1,319 |
| Noninterest income to average assets | 0.3326% | 3,927 |
| Noninterest expense to average assets | 3.0196% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8646% | 3,433 |
| Return on assets (ROA) | 0.8646% | 3,449 |
| Pretax return on assets | 1.0996% | 3,178 |
| Return on Equity (ROE) | 7.5666% | 3,548 |
| Retained earnings to average equity (ytd only) | 7.5666% | 2,005 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3046% | 1,998 |
| Assets per employee ($millions) | 5.0159% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.2354% | 2,997 |
| Net loans and leases to deposits | 75.0574% | 3,311 |
| Net loans and leases to core deposits | 77.8358% | 3,506 |
| Total domestic deposits to total assets | 88.2464% | 1,481 |
| Equity capital to assets | 11.4845% | 2,146 |
| Core capital (leverage) ratio | 11.7254% | 1,831 |
| Tier 1 risk-based capital ratio | 15.1638% | 2,797 |
| Total risk-based capital ratio | 16.0848% | 2,893 |
| Memoranda: | ||
| Average total assets | $90,211,000 | 4,394 |
| Average earning assets | $82,422,000 | 4,403 |
| Average equity | $10,308,500 | 4,382 |
| Average total loans | $60,974,000 | 4,178 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 2,255 |
| Cost of funding earning assets | 0.1902% | 5,017 |
| Net interest margin | 4.1316% | 1,345 |
| Noninterest income to average assets | 0.3463% | 3,987 |
| Noninterest expense to average assets | 3.0627% | 1,970 |
| Loan and lease loss provision to assets | 0.0225% | 3,849 |
| Net operating income to assets | 0.4179% | 4,631 |
| Return on assets (ROA) | 0.4194% | 4,652 |
| Pretax return on assets | 1.0243% | 3,480 |
| Return on Equity (ROE) | 3.6019% | 4,646 |
| Retained earnings to average equity (ytd only) | 3.6019% | 3,104 |
| Net charge-offs to loans | -0.0086% | 4,752 |
| Credit loss provision to net charge-offs | -400.0000% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5688% | 1,817 |
| Assets per employee ($millions) | 5.3021% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.5265% | 2,885 |
| Net loans and leases to deposits | 77.8723% | 3,125 |
| Net loans and leases to core deposits | 82.5904% | 3,192 |
| Total domestic deposits to total assets | 86.7144% | 2,139 |
| Equity capital to assets | 11.3696% | 2,309 |
| Core capital (leverage) ratio | 11.1169% | 2,233 |
| Tier 1 risk-based capital ratio | 14.7218% | 2,978 |
| Total risk-based capital ratio | 15.6482% | 3,052 |
| Memoranda: | ||
| Average total assets | $88,939,800 | 4,440 |
| Average earning assets | $80,962,200 | 4,446 |
| Average equity | $10,355,600 | 4,397 |
| Average total loans | $58,000,600 | 4,243 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 2,262 |
| Cost of funding earning assets | 0.1935% | 5,026 |
| Net interest margin | 4.1053% | 1,376 |
| Noninterest income to average assets | 0.3550% | 3,997 |
| Noninterest expense to average assets | 3.0369% | 2,010 |
| Loan and lease loss provision to assets | 0.0301% | 3,517 |
| Net operating income to assets | 0.6779% | 4,092 |
| Return on assets (ROA) | 0.6799% | 4,142 |
| Pretax return on assets | 1.0243% | 3,591 |
| Return on Equity (ROE) | 5.8045% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.8045% | 2,376 |
| Net charge-offs to loans | -0.0117% | 4,674 |
| Credit loss provision to net charge-offs | -400.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2826% | 1,852 |
| Assets per employee ($millions) | 5.5755% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 62.5084% | 3,598 |
| Net loans and leases to deposits | 70.5779% | 3,914 |
| Net loans and leases to core deposits | 75.8598% | 3,809 |
| Total domestic deposits to total assets | 88.5666% | 1,092 |
| Equity capital to assets | 11.1253% | 2,741 |
| Core capital (leverage) ratio | 11.1541% | 2,319 |
| Tier 1 risk-based capital ratio | 14.5567% | 3,153 |
| Total risk-based capital ratio | 15.4857% | 3,233 |
| Memoranda: | ||
| Average total assets | $88,641,000 | 4,493 |
| Average earning assets | $80,610,000 | 4,500 |
| Average equity | $10,382,500 | 4,437 |
| Average total loans | $57,124,250 | 4,306 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 2,091 |
| Cost of funding earning assets | 0.2062% | 4,915 |
| Net interest margin | 4.1040% | 1,315 |
| Noninterest income to average assets | 0.3557% | 4,013 |
| Noninterest expense to average assets | 3.1019% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6460% | 4,103 |
| Return on assets (ROA) | 0.6490% | 4,138 |
| Pretax return on assets | 0.9816% | 3,631 |
| Return on Equity (ROE) | 5.4413% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.4413% | 2,447 |
| Net charge-offs to loans | -0.0071% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0476% | 1,715 |
| Assets per employee ($millions) | 5.4168% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.3505% | 3,200 |
| Net loans and leases to deposits | 75.2355% | 3,433 |
| Net loans and leases to core deposits | 79.3894% | 3,472 |
| Total domestic deposits to total assets | 86.8614% | 2,010 |
| Equity capital to assets | 12.1948% | 1,791 |
| Core capital (leverage) ratio | 11.7078% | 1,825 |
| Tier 1 risk-based capital ratio | 15.0715% | 2,891 |
| Total risk-based capital ratio | 15.9949% | 2,972 |
| Memoranda: | ||
| Average total assets | $86,593,330 | 4,551 |
| Average earning assets | $78,557,000 | 4,555 |
| Average equity | $10,328,330 | 4,462 |
| Average total loans | $56,202,670 | 4,350 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 1,975 |
| Cost of funding earning assets | 0.2087% | 4,897 |
| Net interest margin | 4.0829% | 1,261 |
| Noninterest income to average assets | 0.3836% | 3,785 |
| Noninterest expense to average assets | 3.2118% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5777% | 4,252 |
| Return on assets (ROA) | 0.5777% | 4,295 |
| Pretax return on assets | 0.8780% | 3,838 |
| Return on Equity (ROE) | 4.8981% | 4,432 |
| Retained earnings to average equity (ytd only) | 4.8981% | 2,949 |
| Net charge-offs to loans | -0.0144% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5311% | 1,559 |
| Assets per employee ($millions) | 5.1408% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 64.0113% | 3,276 |
| Net loans and leases to deposits | 76.8075% | 3,101 |
| Net loans and leases to core deposits | 79.7031% | 3,319 |
| Total domestic deposits to total assets | 83.3398% | 3,722 |
| Equity capital to assets | 11.8029% | 1,967 |
| Core capital (leverage) ratio | 11.5213% | 1,930 |
| Tier 1 risk-based capital ratio | 14.3646% | 3,277 |
| Total risk-based capital ratio | 15.2659% | 3,384 |
| Memoranda: | ||
| Average total assets | $86,556,000 | 4,593 |
| Average earning assets | $78,572,500 | 4,600 |
| Average equity | $10,208,000 | 4,510 |
| Average total loans | $55,676,500 | 4,405 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 2,458 |
| Cost of funding earning assets | 0.1804% | 5,210 |
| Net interest margin | 4.0290% | 1,559 |
| Noninterest income to average assets | 0.3406% | 4,305 |
| Noninterest expense to average assets | 3.1702% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5938% | 4,233 |
| Return on assets (ROA) | 0.6198% | 4,242 |
| Pretax return on assets | 0.8629% | 3,964 |
| Return on Equity (ROE) | 5.1303% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.1303% | 2,259 |
| Net charge-offs to loans | 0.0150% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 85.8750% | 678 |
| Efficiency ratio | 79.3135% | 1,511 |
| Assets per employee ($millions) | 4.5115% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 3,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 63.2049% | 3,448 |
| Net loans and leases to deposits | 74.2755% | 3,484 |
| Net loans and leases to core deposits | 76.7949% | 3,682 |
| Total domestic deposits to total assets | 85.0953% | 3,005 |
| Equity capital to assets | 11.7840% | 1,943 |
| Core capital (leverage) ratio | 11.2476% | 2,125 |
| Tier 1 risk-based capital ratio | 14.9900% | 2,968 |
| Total risk-based capital ratio | 15.9402% | 3,049 |
| Memoranda: | ||
| Average total assets | $83,087,400 | 4,664 |
| Average earning assets | $75,402,800 | 4,693 |
| Average equity | $10,038,400 | 4,563 |
| Average total loans | $53,346,000 | 4,479 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 2,510 |
| Cost of funding earning assets | 0.1782% | 5,278 |
| Net interest margin | 4.0224% | 1,593 |
| Noninterest income to average assets | 0.3170% | 4,502 |
| Noninterest expense to average assets | 3.1266% | 1,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6024% | 4,281 |
| Return on assets (ROA) | 0.6373% | 4,259 |
| Pretax return on assets | 0.8896% | 4,017 |
| Return on Equity (ROE) | 5.2413% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.2413% | 2,672 |
| Net charge-offs to loans | 0.0201% | 3,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 64.9784% | 901 |
| Efficiency ratio | 78.8015% | 1,579 |
| Assets per employee ($millions) | 4.8667% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 3,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 61.0678% | 3,733 |
| Net loans and leases to deposits | 69.3708% | 4,037 |
| Net loans and leases to core deposits | 72.0718% | 4,157 |
| Total domestic deposits to total assets | 88.0310% | 1,391 |
| Equity capital to assets | 11.7156% | 2,331 |
| Core capital (leverage) ratio | 11.4095% | 2,103 |
| Tier 1 risk-based capital ratio | 15.1181% | 2,989 |
| Total risk-based capital ratio | 16.0804% | 3,073 |
| Memoranda: | ||
| Average total assets | $82,429,750 | 4,720 |
| Average earning assets | $74,813,000 | 4,746 |
| Average equity | $10,022,750 | 4,612 |
| Average total loans | $52,984,000 | 4,527 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 2,250 |
| Cost of funding earning assets | 0.1806% | 5,313 |
| Net interest margin | 4.0900% | 1,389 |
| Noninterest income to average assets | 0.3271% | 4,440 |
| Noninterest expense to average assets | 3.1324% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6337% | 4,128 |
| Return on assets (ROA) | 0.6666% | 4,110 |
| Pretax return on assets | 0.9466% | 3,786 |
| Return on Equity (ROE) | 5.4110% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.4110% | 2,478 |
| Net charge-offs to loans | 0.0380% | 2,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 36.3000% | 1,232 |
| Efficiency ratio | 77.6890% | 1,838 |
| Assets per employee ($millions) | 4.8373% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 64.4174% | 3,304 |
| Net loans and leases to deposits | 73.6503% | 3,635 |
| Net loans and leases to core deposits | 78.6241% | 3,591 |
| Total domestic deposits to total assets | 87.4638% | 1,684 |
| Equity capital to assets | 12.3246% | 1,889 |
| Core capital (leverage) ratio | 11.7546% | 1,810 |
| Tier 1 risk-based capital ratio | 15.2525% | 2,958 |
| Total risk-based capital ratio | 16.2380% | 3,027 |
| Memoranda: | ||
| Average total assets | $80,706,000 | 4,799 |
| Average earning assets | $73,105,000 | 4,818 |
| Average equity | $9,942,670 | 4,656 |
| Average total loans | $52,608,330 | 4,566 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 2,294 |
| Cost of funding earning assets | 0.1880% | 5,303 |
| Net interest margin | 4.0637% | 1,439 |
| Noninterest income to average assets | 0.2652% | 4,836 |
| Noninterest expense to average assets | 3.1373% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5772% | 4,285 |
| Return on assets (ROA) | 0.6204% | 4,208 |
| Pretax return on assets | 0.8656% | 3,979 |
| Return on Equity (ROE) | 5.0373% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.0373% | 2,916 |
| Net charge-offs to loans | -0.0077% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5685% | 1,657 |
| Assets per employee ($millions) | 5.1159% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 3,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.8446% | 3,261 |
| Net loans and leases to deposits | 72.8230% | 3,568 |
| Net loans and leases to core deposits | 77.4624% | 3,550 |
| Total domestic deposits to total assets | 87.6709% | 1,818 |
| Equity capital to assets | 12.1398% | 1,930 |
| Core capital (leverage) ratio | 11.8541% | 1,708 |
| Tier 1 risk-based capital ratio | 14.8667% | 3,219 |
| Total risk-based capital ratio | 15.8658% | 3,271 |
| Memoranda: | ||
| Average total assets | $79,942,000 | 4,858 |
| Average earning assets | $72,348,500 | 4,868 |
| Average equity | $9,846,500 | 4,685 |
| Average total loans | $52,119,000 | 4,611 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 1,469 |
| Cost of funding earning assets | 0.2092% | 5,205 |
| Net interest margin | 4.3362% | 895 |
| Noninterest income to average assets | 0.4110% | 3,944 |
| Noninterest expense to average assets | 3.3253% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6836% | 3,890 |
| Return on assets (ROA) | 0.7243% | 3,796 |
| Pretax return on assets | 1.0348% | 3,326 |
| Return on Equity (ROE) | 5.7470% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.7470% | 1,928 |
| Net charge-offs to loans | -0.0398% | 5,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2965% | 2,074 |
| Assets per employee ($millions) | 4.1068% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 3,399 |
| Loan loss allowance to noncurrent loans | 2,966.6667% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 5,377 |
| Noncurrent loans to loans | 0.0409% | 5,356 |
| Net loans and leases to total assets | 65.0143% | 3,122 |
| Net loans and leases to deposits | 74.5306% | 3,430 |
| Net loans and leases to core deposits | 79.5503% | 3,392 |
| Total domestic deposits to total assets | 87.2317% | 2,017 |
| Equity capital to assets | 12.5030% | 1,622 |
| Core capital (leverage) ratio | 12.2746% | 1,468 |
| Tier 1 risk-based capital ratio | 15.7868% | 2,788 |
| Total risk-based capital ratio | 16.7892% | 2,849 |
| Memoranda: | ||
| Average total assets | $75,663,400 | 4,955 |
| Average earning assets | $67,893,000 | 4,987 |
| Average equity | $9,535,400 | 4,740 |
| Average total loans | $50,222,400 | 4,662 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 1,596 |
| Cost of funding earning assets | 0.2141% | 5,243 |
| Net interest margin | 4.2856% | 986 |
| Noninterest income to average assets | 0.4689% | 3,571 |
| Noninterest expense to average assets | 3.1898% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7811% | 3,520 |
| Return on assets (ROA) | 0.8383% | 3,313 |
| Pretax return on assets | 1.2006% | 2,819 |
| Return on Equity (ROE) | 6.6382% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.6382% | 1,872 |
| Net charge-offs to loans | -0.0587% | 5,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0313% | 2,550 |
| Assets per employee ($millions) | 4.4798% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 3,702 |
| Loan loss allowance to noncurrent loans | 1,302.0833% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 5,359 |
| Noncurrent loans to loans | 0.0915% | 5,263 |
| Net loans and leases to total assets | 64.2567% | 3,270 |
| Net loans and leases to deposits | 73.3058% | 3,614 |
| Net loans and leases to core deposits | 79.1791% | 3,492 |
| Total domestic deposits to total assets | 87.6556% | 1,726 |
| Equity capital to assets | 12.0566% | 2,058 |
| Core capital (leverage) ratio | 11.7927% | 1,826 |
| Tier 1 risk-based capital ratio | 14.6937% | 3,441 |
| Total risk-based capital ratio | 15.6875% | 3,520 |
| Memoranda: | ||
| Average total assets | $75,072,000 | 5,026 |
| Average earning assets | $67,262,500 | 5,069 |
| Average equity | $9,480,250 | 4,811 |
| Average total loans | $49,939,750 | 4,719 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 1,416 |
| Cost of funding earning assets | 0.2203% | 5,251 |
| Net interest margin | 4.3235% | 877 |
| Noninterest income to average assets | 0.5545% | 3,013 |
| Noninterest expense to average assets | 3.2697% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7552% | 3,622 |
| Return on assets (ROA) | 0.7894% | 3,538 |
| Pretax return on assets | 1.1964% | 2,790 |
| Return on Equity (ROE) | 6.1492% | 4,062 |
| Retained earnings to average equity (ytd only) | 6.1492% | 2,146 |
| Net charge-offs to loans | -0.0937% | 5,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0718% | 2,667 |
| Assets per employee ($millions) | 4.7700% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 3,577 |
| Loan loss allowance to noncurrent loans | 719.5402% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 5,253 |
| Noncurrent loans to loans | 0.1720% | 5,081 |
| Net loans and leases to total assets | 65.4743% | 3,051 |
| Net loans and leases to deposits | 75.0672% | 3,380 |
| Net loans and leases to core deposits | 81.1070% | 3,271 |
| Total domestic deposits to total assets | 87.2209% | 2,050 |
| Equity capital to assets | 12.5039% | 1,655 |
| Core capital (leverage) ratio | 12.4117% | 1,424 |
| Tier 1 risk-based capital ratio | 14.7905% | 3,478 |
| Total risk-based capital ratio | 15.8161% | 3,525 |
| Memoranda: | ||
| Average total assets | $73,217,330 | 5,122 |
| Average earning assets | $65,363,330 | 5,169 |
| Average equity | $9,399,670 | 4,857 |
| Average total loans | $49,106,670 | 4,779 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 1,196 |
| Cost of funding earning assets | 0.2386% | 5,139 |
| Net interest margin | 4.3703% | 779 |
| Noninterest income to average assets | 0.3572% | 4,341 |
| Noninterest expense to average assets | 3.2540% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6657% | 3,976 |
| Return on assets (ROA) | 0.7368% | 3,736 |
| Pretax return on assets | 1.0940% | 3,107 |
| Return on Equity (ROE) | 5.6604% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.6604% | 2,676 |
| Net charge-offs to loans | -0.1902% | 6,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7105% | 2,394 |
| Assets per employee ($millions) | 4.0049% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 3,516 |
| Loan loss allowance to noncurrent loans | 492.9134% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 5,070 |
| Noncurrent loans to loans | 0.2597% | 4,854 |
| Net loans and leases to total assets | 66.9571% | 2,612 |
| Net loans and leases to deposits | 77.2337% | 2,921 |
| Net loans and leases to core deposits | 84.2962% | 2,736 |
| Total domestic deposits to total assets | 86.6940% | 2,553 |
| Equity capital to assets | 13.0479% | 1,373 |
| Core capital (leverage) ratio | 11.5573% | 1,955 |
| Tier 1 risk-based capital ratio | 13.2418% | 4,468 |
| Total risk-based capital ratio | 14.2709% | 4,508 |
| Memoranda: | ||
| Average total assets | $71,666,000 | 5,209 |
| Average earning assets | $63,702,500 | 5,253 |
| Average equity | $9,328,000 | 4,912 |
| Average total loans | $48,362,000 | 4,836 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 1,764 |
| Cost of funding earning assets | 0.2818% | 4,987 |
| Net interest margin | 4.2460% | 1,176 |
| Noninterest income to average assets | 0.3989% | 4,186 |
| Noninterest expense to average assets | 3.3775% | 1,745 |
| Loan and lease loss provision to assets | 0.1057% | 2,391 |
| Net operating income to assets | 2.4937% | 145 |
| Return on assets (ROA) | 2.5064% | 146 |
| Pretax return on assets | 0.7513% | 4,434 |
| Return on Equity (ROE) | 22.8359% | 155 |
| Retained earnings to average equity (ytd only) | 22.8359% | 49 |
| Net charge-offs to loans | 0.0247% | 4,343 |
| Credit loss provision to net charge-offs | 681.8182% | 388 |
| Earnings coverage of net charge-offs (x) | 54.4545% | 859 |
| Efficiency ratio | 80.0000% | 1,929 |
| Assets per employee ($millions) | 4.1908% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 3,643 |
| Loan loss allowance to noncurrent loans | 440.8759% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 5,083 |
| Noncurrent loans to loans | 0.2864% | 4,822 |
| Net loans and leases to total assets | 66.2877% | 2,840 |
| Net loans and leases to deposits | 77.6731% | 3,010 |
| Net loans and leases to core deposits | 85.4012% | 2,742 |
| Total domestic deposits to total assets | 85.3419% | 3,143 |
| Equity capital to assets | 12.9835% | 1,382 |
| Core capital (leverage) ratio | 11.2563% | 2,176 |
| Tier 1 risk-based capital ratio | 15.1180% | 3,428 |
| Total risk-based capital ratio | 16.2479% | 3,425 |
| Memoranda: | ||
| Average total assets | $70,939,200 | 5,261 |
| Average earning assets | $63,872,000 | 5,282 |
| Average equity | $7,786,000 | 5,250 |
| Average total loans | $44,614,800 | 5,009 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 2,037 |
| Cost of funding earning assets | 0.2936% | 4,938 |
| Net interest margin | 4.1605% | 1,395 |
| Noninterest income to average assets | 0.2803% | 5,195 |
| Noninterest expense to average assets | 3.2644% | 1,983 |
| Loan and lease loss provision to assets | 0.0677% | 2,988 |
| Net operating income to assets | 0.4276% | 5,149 |
| Return on assets (ROA) | 0.4384% | 5,194 |
| Pretax return on assets | 0.7244% | 4,611 |
| Return on Equity (ROE) | 4.1868% | 5,092 |
| Retained earnings to average equity (ytd only) | 4.1868% | 3,669 |
| Net charge-offs to loans | 0.0213% | 4,093 |
| Credit loss provision to net charge-offs | 514.2857% | 554 |
| Earnings coverage of net charge-offs (x) | 58.8767% | 874 |
| Efficiency ratio | 80.8104% | 1,793 |
| Assets per employee ($millions) | 4.1106% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 4,282 |
| Loan loss allowance to noncurrent loans | 373.6842% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 4,745 |
| Noncurrent loans to loans | 0.3186% | 4,953 |
| Net loans and leases to total assets | 63.7181% | 3,231 |
| Net loans and leases to deposits | 71.2160% | 3,771 |
| Net loans and leases to core deposits | 79.7203% | 3,347 |
| Total domestic deposits to total assets | 89.4716% | 994 |
| Equity capital to assets | 10.3109% | 3,776 |
| Core capital (leverage) ratio | 10.3875% | 3,175 |
| Tier 1 risk-based capital ratio | 14.4188% | 3,927 |
| Total risk-based capital ratio | 15.4874% | 3,985 |
| Memoranda: | ||
| Average total assets | $70,863,000 | 5,322 |
| Average earning assets | $64,029,000 | 5,336 |
| Average equity | $7,420,000 | 5,362 |
| Average total loans | $43,811,000 | 5,095 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 2,323 |
| Cost of funding earning assets | 0.3046% | 4,924 |
| Net interest margin | 4.0578% | 1,640 |
| Noninterest income to average assets | 0.2607% | 5,331 |
| Noninterest expense to average assets | 3.2999% | 1,922 |
| Loan and lease loss provision to assets | 0.0286% | 3,702 |
| Net operating income to assets | 0.3559% | 5,391 |
| Return on assets (ROA) | 0.3724% | 5,389 |
| Pretax return on assets | 0.6216% | 4,888 |
| Return on Equity (ROE) | 3.5373% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.5373% | 3,951 |
| Net charge-offs to loans | 0.0329% | 3,544 |
| Credit loss provision to net charge-offs | 142.8571% | 1,500 |
| Earnings coverage of net charge-offs (x) | 31.1429% | 1,224 |
| Efficiency ratio | 84.0876% | 1,503 |
| Assets per employee ($millions) | 4.2039% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 4,336 |
| Loan loss allowance to noncurrent loans | 332.5153% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 4,737 |
| Noncurrent loans to loans | 0.3666% | 4,892 |
| Net loans and leases to total assets | 61.4549% | 3,493 |
| Net loans and leases to deposits | 68.7981% | 3,957 |
| Net loans and leases to core deposits | 78.9233% | 3,327 |
| Total domestic deposits to total assets | 89.3265% | 1,196 |
| Equity capital to assets | 10.5363% | 3,400 |
| Core capital (leverage) ratio | 10.8912% | 2,540 |
| Tier 1 risk-based capital ratio | 15.0085% | 3,638 |
| Total risk-based capital ratio | 16.0861% | 3,667 |
| Memoranda: | ||
| Average total assets | $69,820,670 | 5,392 |
| Average earning assets | $63,038,330 | 5,421 |
| Average equity | $7,350,330 | 5,403 |
| Average total loans | $42,510,330 | 5,182 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 2,310 |
| Cost of funding earning assets | 0.3221% | 4,833 |
| Net interest margin | 4.0321% | 1,655 |
| Noninterest income to average assets | 0.2435% | 5,410 |
| Noninterest expense to average assets | 3.3508% | 1,820 |
| Loan and lease loss provision to assets | 0.0580% | 2,955 |
| Net operating income to assets | 0.2651% | 5,614 |
| Return on assets (ROA) | 0.2725% | 5,635 |
| Pretax return on assets | 0.4754% | 5,241 |
| Return on Equity (ROE) | 2.5894% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.5894% | 4,519 |
| Net charge-offs to loans | 0.0963% | 2,203 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,974 |
| Efficiency ratio | 86.5269% | 1,392 |
| Assets per employee ($millions) | 4.0826% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 4,234 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 4,867 |
| Noncurrent loans to loans | 0.3652% | 5,030 |
| Net loans and leases to total assets | 59.9793% | 3,564 |
| Net loans and leases to deposits | 68.8180% | 3,759 |
| Net loans and leases to core deposits | 77.1146% | 3,294 |
| Total domestic deposits to total assets | 87.1564% | 2,728 |
| Equity capital to assets | 10.5628% | 3,188 |
| Core capital (leverage) ratio | 10.9539% | 2,428 |
| Tier 1 risk-based capital ratio | 15.4607% | 3,463 |
| Total risk-based capital ratio | 16.5782% | 3,491 |
| Memoranda: | ||
| Average total assets | $68,997,500 | 5,473 |
| Average earning assets | $62,102,000 | 5,499 |
| Average equity | $7,260,500 | 5,453 |
| Average total loans | $41,534,500 | 5,256 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 2,317 |
| Cost of funding earning assets | 0.4100% | 4,541 |
| Net interest margin | 4.0606% | 1,762 |
| Noninterest income to average assets | 0.2569% | 5,509 |
| Noninterest expense to average assets | 3.4461% | 1,776 |
| Loan and lease loss provision to assets | 0.2873% | 1,198 |
| Net operating income to assets | 0.3770% | 5,235 |
| Return on assets (ROA) | 0.5533% | 4,616 |
| Pretax return on assets | 0.3283% | 5,651 |
| Return on Equity (ROE) | 5.0820% | 4,582 |
| Retained earnings to average equity (ytd only) | 5.0820% | 2,536 |
| Net charge-offs to loans | 0.4078% | 1,654 |
| Credit loss provision to net charge-offs | 117.3913% | 2,051 |
| Earnings coverage of net charge-offs (x) | 1.7950% | 4,445 |
| Efficiency ratio | 88.6933% | 1,148 |
| Assets per employee ($millions) | 4.2869% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,040 |
| Loan loss allowance to noncurrent loans | 112.9707% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 3,029 |
| Noncurrent loans to loans | 1.1686% | 3,198 |
| Net loans and leases to total assets | 58.8445% | 3,897 |
| Net loans and leases to deposits | 66.9309% | 4,187 |
| Net loans and leases to core deposits | 76.1720% | 3,592 |
| Total domestic deposits to total assets | 87.9182% | 2,218 |
| Equity capital to assets | 10.4824% | 3,186 |
| Core capital (leverage) ratio | 10.7917% | 2,583 |
| Tier 1 risk-based capital ratio | 15.8190% | 3,191 |
| Total risk-based capital ratio | 16.9735% | 3,195 |
| Memoranda: | ||
| Average total assets | $65,785,200 | 5,598 |
| Average earning assets | $58,784,200 | 5,632 |
| Average equity | $7,162,600 | 5,532 |
| Average total loans | $39,484,800 | 5,369 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 2,395 |
| Cost of funding earning assets | 0.4315% | 4,493 |
| Net interest margin | 4.0254% | 1,857 |
| Noninterest income to average assets | 0.2622% | 5,571 |
| Noninterest expense to average assets | 3.3617% | 1,915 |
| Loan and lease loss provision to assets | 0.2356% | 1,531 |
| Net operating income to assets | 0.3216% | 5,533 |
| Return on assets (ROA) | 0.5572% | 4,697 |
| Pretax return on assets | 0.4937% | 5,373 |
| Return on Equity (ROE) | 5.0681% | 4,691 |
| Retained earnings to average equity (ytd only) | 5.0681% | 3,027 |
| Net charge-offs to loans | 0.3918% | 1,637 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 2.0957% | 4,139 |
| Efficiency ratio | 87.1945% | 1,240 |
| Assets per employee ($millions) | 4.3503% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 4,502 |
| Loan loss allowance to noncurrent loans | 88.4283% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.3203% | 3,005 |
| Noncurrent loans to loans | 1.4475% | 2,993 |
| Net loans and leases to total assets | 56.7338% | 4,216 |
| Net loans and leases to deposits | 63.2745% | 4,591 |
| Net loans and leases to core deposits | 71.9263% | 4,102 |
| Total domestic deposits to total assets | 89.6630% | 1,187 |
| Equity capital to assets | 10.2494% | 3,578 |
| Core capital (leverage) ratio | 10.8429% | 2,629 |
| Tier 1 risk-based capital ratio | 16.0906% | 3,140 |
| Total risk-based capital ratio | 17.2192% | 3,164 |
| Memoranda: | ||
| Average total assets | $65,083,750 | 5,683 |
| Average earning assets | $58,095,750 | 5,712 |
| Average equity | $7,155,750 | 5,595 |
| Average total loans | $39,130,500 | 5,438 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 2,051 |
| Cost of funding earning assets | 0.4505% | 4,422 |
| Net interest margin | 4.0928% | 1,562 |
| Noninterest income to average assets | 0.2422% | 5,717 |
| Noninterest expense to average assets | 3.4195% | 1,779 |
| Loan and lease loss provision to assets | 0.2045% | 1,854 |
| Net operating income to assets | 0.2742% | 5,696 |
| Return on assets (ROA) | 0.6323% | 4,297 |
| Pretax return on assets | 0.6386% | 4,879 |
| Return on Equity (ROE) | 5.6122% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.6122% | 2,668 |
| Net charge-offs to loans | 0.0515% | 3,952 |
| Credit loss provision to net charge-offs | 650.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 15.3000% | 1,754 |
| Efficiency ratio | 87.6613% | 1,256 |
| Assets per employee ($millions) | 4.3127% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 3,982 |
| Loan loss allowance to noncurrent loans | 94.4908% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.1022% | 3,522 |
| Noncurrent loans to loans | 1.4931% | 3,066 |
| Net loans and leases to total assets | 61.1414% | 3,452 |
| Net loans and leases to deposits | 68.7376% | 3,902 |
| Net loans and leases to core deposits | 81.5778% | 2,845 |
| Total domestic deposits to total assets | 88.9490% | 1,659 |
| Equity capital to assets | 10.9428% | 2,806 |
| Core capital (leverage) ratio | 11.3617% | 2,044 |
| Tier 1 risk-based capital ratio | 16.0915% | 3,137 |
| Total risk-based capital ratio | 17.3391% | 3,081 |
| Memoranda: | ||
| Average total assets | $63,577,000 | 5,758 |
| Average earning assets | $56,831,670 | 5,780 |
| Average equity | $7,163,000 | 5,641 |
| Average total loans | $38,840,330 | 5,474 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 1,811 |
| Cost of funding earning assets | 0.4768% | 4,308 |
| Net interest margin | 4.1276% | 1,384 |
| Noninterest income to average assets | 0.2158% | 5,929 |
| Noninterest expense to average assets | 3.3323% | 2,006 |
| Loan and lease loss provision to assets | 0.3808% | 838 |
| Net operating income to assets | 0.1745% | 5,966 |
| Return on assets (ROA) | 0.2348% | 5,901 |
| Pretax return on assets | 0.2475% | 5,969 |
| Return on Equity (ROE) | 2.0541% | 5,922 |
| Retained earnings to average equity (ytd only) | 2.0541% | 4,976 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5049% | 1,583 |
| Assets per employee ($millions) | 4.0099% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,992 |
| Loan loss allowance to noncurrent loans | 56.0904% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.8564% | 2,535 |
| Noncurrent loans to loans | 2.5965% | 1,987 |
| Net loans and leases to total assets | 60.2185% | 3,388 |
| Net loans and leases to deposits | 68.0829% | 3,767 |
| Net loans and leases to core deposits | 81.8503% | 2,590 |
| Total domestic deposits to total assets | 88.4488% | 2,038 |
| Equity capital to assets | 11.2285% | 2,707 |
| Core capital (leverage) ratio | 11.2364% | 2,068 |
| Tier 1 risk-based capital ratio | 15.7135% | 3,415 |
| Total risk-based capital ratio | 16.9851% | 3,365 |
| Memoranda: | ||
| Average total assets | $63,020,000 | 5,836 |
| Average earning assets | $56,207,000 | 5,845 |
| Average equity | $7,205,000 | 5,689 |
| Average total loans | $38,201,000 | 5,537 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 2,457 |
| Cost of funding earning assets | 0.5530% | 4,791 |
| Net interest margin | 4.1799% | 1,711 |
| Noninterest income to average assets | 0.2172% | 5,877 |
| Noninterest expense to average assets | 3.8085% | 1,238 |
| Loan and lease loss provision to assets | 0.3341% | 2,021 |
| Net operating income to assets | -0.1250% | 6,306 |
| Return on assets (ROA) | 0.2339% | 5,888 |
| Pretax return on assets | 0.2372% | 5,935 |
| Return on Equity (ROE) | 1.9577% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.9577% | 4,846 |
| Net charge-offs to loans | 0.9423% | 1,177 |
| Credit loss provision to net charge-offs | 59.3472% | 4,467 |
| Earnings coverage of net charge-offs (x) | 0.3709% | 5,295 |
| Efficiency ratio | 94.8025% | 764 |
| Assets per employee ($millions) | 4.1255% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 4,287 |
| Loan loss allowance to noncurrent loans | 119.6721% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9696% | 4,085 |
| Noncurrent loans to loans | 1.1480% | 3,930 |
| Net loans and leases to total assets | 59.2822% | 3,729 |
| Net loans and leases to deposits | 67.3849% | 4,066 |
| Net loans and leases to core deposits | 76.9755% | 3,413 |
| Total domestic deposits to total assets | 87.9755% | 2,253 |
| Equity capital to assets | 11.6447% | 2,311 |
| Core capital (leverage) ratio | 11.2302% | 2,066 |
| Tier 1 risk-based capital ratio | 16.1756% | 3,062 |
| Total risk-based capital ratio | 17.3547% | 3,056 |
| Memoranda: | ||
| Average total assets | $59,866,400 | 5,927 |
| Average earning assets | $54,427,400 | 5,914 |
| Average equity | $7,151,400 | 5,716 |
| Average total loans | $35,763,200 | 5,687 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7214% | 2,707 |
| Cost of funding earning assets | 0.5696% | 4,916 |
| Net interest margin | 4.1518% | 1,895 |
| Noninterest income to average assets | 0.2291% | 5,907 |
| Noninterest expense to average assets | 3.8340% | 1,151 |
| Loan and lease loss provision to assets | 0.0898% | 4,484 |
| Net operating income to assets | 0.1023% | 6,127 |
| Return on assets (ROA) | 0.2740% | 5,894 |
| Pretax return on assets | 0.2785% | 5,996 |
| Return on Equity (ROE) | 2.2789% | 5,950 |
| Retained earnings to average equity (ytd only) | 2.2789% | 5,196 |
| Net charge-offs to loans | 0.8887% | 1,229 |
| Credit loss provision to net charge-offs | 16.9492% | 4,997 |
| Earnings coverage of net charge-offs (x) | 0.3644% | 5,146 |
| Efficiency ratio | 95.2036% | 704 |
| Assets per employee ($millions) | 3.9724% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 5,126 |
| Loan loss allowance to noncurrent loans | 64.5714% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 4,095 |
| Noncurrent loans to loans | 1.9106% | 2,952 |
| Net loans and leases to total assets | 56.9329% | 4,309 |
| Net loans and leases to deposits | 64.5717% | 4,648 |
| Net loans and leases to core deposits | 74.0530% | 3,970 |
| Total domestic deposits to total assets | 88.1700% | 1,942 |
| Equity capital to assets | 11.4083% | 2,842 |
| Core capital (leverage) ratio | 11.3668% | 2,082 |
| Tier 1 risk-based capital ratio | 16.5131% | 2,992 |
| Total risk-based capital ratio | 17.5810% | 3,062 |
| Memoranda: | ||
| Average total assets | $59,362,500 | 6,002 |
| Average earning assets | $54,304,750 | 5,982 |
| Average equity | $7,137,750 | 5,789 |
| Average total loans | $35,405,000 | 5,775 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 2,334 |
| Cost of funding earning assets | 0.5976% | 4,924 |
| Net interest margin | 4.2438% | 1,624 |
| Noninterest income to average assets | 0.2243% | 5,962 |
| Noninterest expense to average assets | 3.9162% | 1,052 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1752% | 5,991 |
| Return on assets (ROA) | 0.3071% | 5,795 |
| Pretax return on assets | 0.3140% | 5,936 |
| Return on Equity (ROE) | 2.5070% | 5,878 |
| Retained earnings to average equity (ytd only) | 2.5070% | 4,935 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6192% | 717 |
| Assets per employee ($millions) | 3.7158% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 2,861 |
| Loan loss allowance to noncurrent loans | 131.7073% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 4,735 |
| Noncurrent loans to loans | 1.3658% | 3,873 |
| Net loans and leases to total assets | 59.5001% | 3,911 |
| Net loans and leases to deposits | 67.9381% | 4,214 |
| Net loans and leases to core deposits | 77.1869% | 3,631 |
| Total domestic deposits to total assets | 87.5799% | 2,414 |
| Equity capital to assets | 12.0770% | 2,091 |
| Core capital (leverage) ratio | 11.7712% | 1,742 |
| Tier 1 risk-based capital ratio | 16.6623% | 2,825 |
| Total risk-based capital ratio | 17.9160% | 2,774 |
| Memoranda: | ||
| Average total assets | $57,963,670 | 6,080 |
| Average earning assets | $52,876,670 | 6,068 |
| Average equity | $7,100,000 | 5,821 |
| Average total loans | $34,994,000 | 5,831 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 2,316 |
| Cost of funding earning assets | 0.6217% | 4,951 |
| Net interest margin | 4.2596% | 1,593 |
| Noninterest income to average assets | 0.2377% | 5,933 |
| Noninterest expense to average assets | 3.9147% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1887% | 6,016 |
| Return on assets (ROA) | 0.1887% | 6,159 |
| Pretax return on assets | 0.2027% | 6,199 |
| Return on Equity (ROE) | 1.5297% | 6,217 |
| Retained earnings to average equity (ytd only) | 1.5297% | 5,475 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0764% | 766 |
| Assets per employee ($millions) | 3.4511% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8432% | 2,864 |
| Loan loss allowance to noncurrent loans | 324.0000% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 6,030 |
| Noncurrent loans to loans | 0.5689% | 5,528 |
| Net loans and leases to total assets | 58.8198% | 3,900 |
| Net loans and leases to deposits | 69.2118% | 3,841 |
| Net loans and leases to core deposits | 79.9226% | 3,080 |
| Total domestic deposits to total assets | 84.9853% | 4,045 |
| Equity capital to assets | 12.1171% | 1,963 |
| Core capital (leverage) ratio | 12.1839% | 1,488 |
| Tier 1 risk-based capital ratio | 16.9819% | 2,692 |
| Total risk-based capital ratio | 18.2372% | 2,645 |
| Memoranda: | ||
| Average total assets | $57,219,500 | 6,146 |
| Average earning assets | $52,118,000 | 6,132 |
| Average equity | $7,060,000 | 5,853 |
| Average total loans | $34,480,000 | 5,898 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 2,485 |
| Cost of funding earning assets | 0.7508% | 5,205 |
| Net interest margin | 4.3408% | 1,573 |
| Noninterest income to average assets | 0.2496% | 5,746 |
| Noninterest expense to average assets | 4.2325% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0317% | 5,986 |
| Return on assets (ROA) | 0.0898% | 6,001 |
| Pretax return on assets | 0.0958% | 5,976 |
| Return on Equity (ROE) | 0.6521% | 6,031 |
| Retained earnings to average equity (ytd only) | 0.6521% | 5,541 |
| Net charge-offs to loans | 0.0061% | 6,344 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,134 |
| Efficiency ratio | 99.2045% | 701 |
| Assets per employee ($millions) | 3.4856% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 2,516 |
| Loan loss allowance to noncurrent loans | 301.3953% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 6,008 |
| Noncurrent loans to loans | 0.6360% | 5,445 |
| Net loans and leases to total assets | 59.4495% | 4,099 |
| Net loans and leases to deposits | 70.4017% | 4,030 |
| Net loans and leases to core deposits | 82.2970% | 3,137 |
| Total domestic deposits to total assets | 84.4432% | 4,122 |
| Equity capital to assets | 12.5713% | 1,763 |
| Core capital (leverage) ratio | 12.3777% | 1,402 |
| Tier 1 risk-based capital ratio | 17.4561% | 2,399 |
| Total risk-based capital ratio | 18.7115% | 2,363 |
| Memoranda: | ||
| Average total assets | $50,088,800 | 6,363 |
| Average earning assets | $46,350,600 | 6,320 |
| Average equity | $6,901,000 | 5,890 |
| Average total loans | $32,522,000 | 6,043 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1301% | 2,471 |
| Cost of funding earning assets | 0.7623% | 5,380 |
| Net interest margin | 4.3678% | 1,502 |
| Noninterest income to average assets | 0.2657% | 5,716 |
| Noninterest expense to average assets | 4.3586% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0253% | 6,188 |
| Return on assets (ROA) | 0.0384% | 6,192 |
| Pretax return on assets | 0.0411% | 6,172 |
| Return on Equity (ROE) | 0.2716% | 6,206 |
| Retained earnings to average equity (ytd only) | 0.2716% | 5,874 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6325% | 643 |
| Assets per employee ($millions) | 3.6482% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 2,318 |
| Loan loss allowance to noncurrent loans | 393.9394% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 6,312 |
| Noncurrent loans to loans | 0.5097% | 5,827 |
| Net loans and leases to total assets | 57.9647% | 4,521 |
| Net loans and leases to deposits | 68.8772% | 4,465 |
| Net loans and leases to core deposits | 82.0720% | 3,319 |
| Total domestic deposits to total assets | 84.1566% | 4,153 |
| Equity capital to assets | 12.7716% | 1,743 |
| Core capital (leverage) ratio | 12.9014% | 1,263 |
| Tier 1 risk-based capital ratio | 17.4851% | 2,447 |
| Total risk-based capital ratio | 18.7410% | 2,417 |
| Memoranda: | ||
| Average total assets | $48,668,500 | 6,462 |
| Average earning assets | $45,299,750 | 6,411 |
| Average equity | $6,873,500 | 5,940 |
| Average total loans | $32,201,750 | 6,122 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1935% | 2,281 |
| Cost of funding earning assets | 0.7888% | 5,451 |
| Net interest margin | 4.4047% | 1,356 |
| Noninterest income to average assets | 0.2830% | 5,622 |
| Noninterest expense to average assets | 4.6473% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2272% | 6,495 |
| Return on assets (ROA) | -0.1200% | 6,424 |
| Pretax return on assets | -0.1158% | 6,381 |
| Return on Equity (ROE) | -0.8193% | 6,385 |
| Retained earnings to average equity (ytd only) | -0.8193% | 6,020 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0388% | 585 |
| Assets per employee ($millions) | 3.2324% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 2,439 |
| Loan loss allowance to noncurrent loans | 175.6757% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 5,376 |
| Noncurrent loans to loans | 1.1239% | 4,785 |
| Net loans and leases to total assets | 66.5594% | 2,918 |
| Net loans and leases to deposits | 80.7466% | 2,656 |
| Net loans and leases to core deposits | 94.9065% | 1,808 |
| Total domestic deposits to total assets | 82.4300% | 5,008 |
| Equity capital to assets | 14.1938% | 1,032 |
| Core capital (leverage) ratio | 14.0061% | 868 |
| Tier 1 risk-based capital ratio | 18.6699% | 1,941 |
| Total risk-based capital ratio | 19.9262% | 1,906 |
| Memoranda: | ||
| Average total assets | $46,650,330 | 6,575 |
| Average earning assets | $43,862,670 | 6,513 |
| Average equity | $6,835,000 | 5,971 |
| Average total loans | $32,145,670 | 6,183 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1745% | 2,326 |
| Cost of funding earning assets | 0.8283% | 5,406 |
| Net interest margin | 4.3462% | 1,430 |
| Noninterest income to average assets | 0.2886% | 5,606 |
| Noninterest expense to average assets | 4.8193% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4461% | 6,771 |
| Return on assets (ROA) | -0.2886% | 6,666 |
| Pretax return on assets | -0.2886% | 6,614 |
| Return on Equity (ROE) | -1.9379% | 6,577 |
| Retained earnings to average equity (ytd only) | -1.9379% | 6,134 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2000% | 499 |
| Assets per employee ($millions) | 3.2727% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0303% | 2,329 |
| Loan loss allowance to noncurrent loans | 196.9697% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 5,611 |
| Noncurrent loans to loans | 1.0308% | 4,994 |
| Net loans and leases to total assets | 63.8928% | 3,452 |
| Net loans and leases to deposits | 78.0437% | 3,053 |
| Net loans and leases to core deposits | 93.0160% | 2,007 |
| Total domestic deposits to total assets | 81.8680% | 5,361 |
| Equity capital to assets | 13.8541% | 1,043 |
| Core capital (leverage) ratio | 14.3673% | 764 |
| Tier 1 risk-based capital ratio | 18.8342% | 1,857 |
| Total risk-based capital ratio | 20.0918% | 1,814 |
| Memoranda: | ||
| Average total assets | $45,732,500 | 6,649 |
| Average earning assets | $42,980,000 | 6,588 |
| Average equity | $6,811,500 | 5,985 |
| Average total loans | $31,757,500 | 6,255 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4383% | 2,511 |
| Cost of funding earning assets | 0.9793% | 5,786 |
| Net interest margin | 4.4590% | 1,324 |
| Noninterest income to average assets | 0.3270% | 5,446 |
| Noninterest expense to average assets | 6.3693% | 196 |
| Loan and lease loss provision to assets | 0.6465% | 2,553 |
| Net operating income to assets | -2.5105% | 7,177 |
| Return on assets (ROA) | -2.4879% | 7,189 |
| Pretax return on assets | -2.4853% | 7,158 |
| Return on Equity (ROE) | -13.9685% | 6,881 |
| Retained earnings to average equity (ytd only) | -13.9685% | 6,839 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.2946% | 250 |
| Assets per employee ($millions) | 2.6484% | 6,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 2,145 |
| Loan loss allowance to noncurrent loans | 190.6158% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 5,395 |
| Noncurrent loans to loans | 1.0825% | 4,926 |
| Net loans and leases to total assets | 72.8024% | 1,926 |
| Net loans and leases to deposits | 92.2741% | 1,243 |
| Net loans and leases to core deposits | 111.1031% | 863 |
| Total domestic deposits to total assets | 78.8979% | 6,105 |
| Equity capital to assets | 16.0991% | 569 |
| Core capital (leverage) ratio | 15.6666% | 548 |
| Tier 1 risk-based capital ratio | 19.8848% | 1,505 |
| Total risk-based capital ratio | 21.1424% | 1,480 |
| Memoranda: | ||
| Average total assets | $39,753,200 | 6,874 |
| Average earning assets | $37,272,800 | 6,830 |
| Average equity | $7,080,200 | 6,008 |
| Average total loans | $29,713,400 | 6,409 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 2,884 |
| Cost of funding earning assets | 0.9963% | 5,954 |
| Net interest margin | 4.4035% | 1,514 |
| Noninterest income to average assets | 0.3103% | 5,671 |
| Noninterest expense to average assets | 5.7291% | 243 |
| Loan and lease loss provision to assets | 0.8764% | 1,734 |
| Net operating income to assets | -2.1689% | 7,280 |
| Return on assets (ROA) | -2.1382% | 7,287 |
| Pretax return on assets | -2.1348% | 7,231 |
| Return on Equity (ROE) | -11.7006% | 6,995 |
| Retained earnings to average equity (ytd only) | -11.7006% | 6,959 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.0323% | 303 |
| Assets per employee ($millions) | 2.7748% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0769% | 2,055 |
| 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 | 69.0310% | 2,978 |
| Net loans and leases to deposits | 86.6836% | 2,204 |
| Net loans and leases to core deposits | 101.6349% | 1,692 |
| Total domestic deposits to total assets | 79.6356% | 5,826 |
| Equity capital to assets | 15.5802% | 751 |
| Core capital (leverage) ratio | 15.6955% | 608 |
| Tier 1 risk-based capital ratio | 20.0193% | 1,547 |
| Total risk-based capital ratio | 21.2765% | 1,513 |
| Memoranda: | ||
| Average total assets | $39,097,750 | 6,982 |
| Average earning assets | $36,667,250 | 6,928 |
| Average equity | $7,144,750 | 6,062 |
| Average total loans | $29,266,750 | 6,518 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4214% | 2,883 |
| Cost of funding earning assets | 1.0033% | 6,121 |
| Net interest margin | 4.4181% | 1,402 |
| Noninterest income to average assets | 0.3375% | 5,452 |
| Noninterest expense to average assets | 5.9842% | 227 |
| Loan and lease loss provision to assets | 0.9483% | 1,549 |
| Net operating income to assets | -2.4483% | 7,405 |
| Return on assets (ROA) | -2.4001% | 7,408 |
| Pretax return on assets | -2.3947% | 7,344 |
| Return on Equity (ROE) | -12.4088% | 7,051 |
| Retained earnings to average equity (ytd only) | -12.4088% | 7,008 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.2936% | 292 |
| Assets per employee ($millions) | 2.2864% | 7,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,675 |
| 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 | 74.8876% | 1,721 |
| Net loans and leases to deposits | 98.5609% | 825 |
| Net loans and leases to core deposits | 110.9072% | 1,108 |
| Total domestic deposits to total assets | 75.9810% | 6,698 |
| Equity capital to assets | 17.1401% | 509 |
| Core capital (leverage) ratio | 18.0559% | 355 |
| Tier 1 risk-based capital ratio | 21.5173% | 1,267 |
| Total risk-based capital ratio | 22.7720% | 1,246 |
| Memoranda: | ||
| Average total assets | $37,331,670 | 7,098 |
| Average earning assets | $35,083,000 | 7,039 |
| Average equity | $7,220,670 | 6,062 |
| Average total loans | $28,590,000 | 6,601 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4211% | 2,937 |
| Cost of funding earning assets | 1.0481% | 6,141 |
| Net interest margin | 4.3730% | 1,466 |
| Noninterest income to average assets | 0.3275% | 5,524 |
| Noninterest expense to average assets | 6.1773% | 204 |
| Loan and lease loss provision to assets | 1.6601% | 691 |
| Net operating income to assets | -3.4105% | 7,674 |
| Return on assets (ROA) | -3.3089% | 7,662 |
| Pretax return on assets | -3.3089% | 7,624 |
| Return on Equity (ROE) | -16.0460% | 7,342 |
| Retained earnings to average equity (ytd only) | -16.0460% | 7,249 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.5408% | 258 |
| Assets per employee ($millions) | 2.1468% | 7,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 2,381 |
| 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 | 75.5069% | 1,643 |
| Net loans and leases to deposits | 99.3654% | 802 |
| Net loans and leases to core deposits | 119.0676% | 822 |
| Total domestic deposits to total assets | 75.9891% | 6,761 |
| Equity capital to assets | 19.6843% | 302 |
| Core capital (leverage) ratio | 20.1036% | 244 |
| Tier 1 risk-based capital ratio | 24.8495% | 885 |
| Total risk-based capital ratio | 26.1060% | 857 |
| Memoranda: | ||
| Average total assets | $35,420,000 | 7,255 |
| Average earning assets | $33,203,500 | 7,194 |
| Average equity | $7,304,000 | 6,084 |
| Average total loans | $27,190,000 | 6,767 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 6,908 |
| Cost of funding earning assets | 1.1359% | 6,863 |
| Net interest margin | 3.6838% | 4,204 |
| Noninterest income to average assets | 0.4381% | 4,899 |
| Noninterest expense to average assets | 7.8684% | 152 |
| Loan and lease loss provision to assets | 0.9895% | 2,292 |
| Net operating income to assets | -5.0570% | 7,754 |
| Return on assets (ROA) | -5.0570% | 7,746 |
| Pretax return on assets | -5.0570% | 7,715 |
| Return on Equity (ROE) | -17.3772% | 7,051 |
| Retained earnings to average equity (ytd only) | -17.3772% | 7,006 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 207.0125% | 127 |
| Assets per employee ($millions) | 2.0202% | 7,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 3,755 |
| 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 | 75.3843% | 1,949 |
| Net loans and leases to deposits | 104.3026% | 633 |
| Net loans and leases to core deposits | 127.5935% | 1,412 |
| Total domestic deposits to total assets | 72.2746% | 7,218 |
| Equity capital to assets | 21.6166% | 233 |
| Core capital (leverage) ratio | 21.0594% | 234 |
| Tier 1 risk-based capital ratio | 27.2640% | 687 |
| Total risk-based capital ratio | 28.5162% | 672 |
| Memoranda: | ||
| Average total assets | $27,388,000 | 7,568 |
| Average earning assets | $25,001,600 | 7,542 |
| Average equity | $7,970,200 | 5,935 |
| Average total loans | $17,296,600 | 7,338 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 7,543 |
| Cost of funding earning assets | 1.1249% | 7,117 |
| Net interest margin | 3.3461% | 5,458 |
| Noninterest income to average assets | 0.5042% | 4,447 |
| Noninterest expense to average assets | 8.0157% | 158 |
| Loan and lease loss provision to assets | 1.1176% | 1,748 |
| Net operating income to assets | -5.5985% | 7,897 |
| Return on assets (ROA) | -5.5985% | 7,895 |
| Pretax return on assets | -5.5985% | 7,877 |
| Return on Equity (ROE) | -17.7131% | 7,300 |
| Retained earnings to average equity (ytd only) | -17.7131% | 7,264 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 226.7647% | 109 |
| Assets per employee ($millions) | 2.0328% | 7,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 3,465 |
| 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 | 64.1762% | 4,829 |
| Net loans and leases to deposits | 85.0220% | 3,496 |
| Net loans and leases to core deposits | 103.0959% | 4,048 |
| Total domestic deposits to total assets | 75.4818% | 6,678 |
| Equity capital to assets | 22.1193% | 243 |
| Core capital (leverage) ratio | 24.5954% | 178 |
| Tier 1 risk-based capital ratio | 30.8323% | 525 |
| Total risk-based capital ratio | 32.0821% | 511 |
| Memoranda: | ||
| Average total assets | $25,649,000 | 7,694 |
| Average earning assets | $23,230,500 | 7,683 |
| Average equity | $8,106,750 | 5,946 |
| Average total loans | $15,050,000 | 7,518 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 7,755 |
| Cost of funding earning assets | 1.1064% | 7,364 |
| Net interest margin | 3.2408% | 5,769 |
| Noninterest income to average assets | 0.6085% | 3,624 |
| Noninterest expense to average assets | 8.9597% | 137 |
| Loan and lease loss provision to assets | 1.1023% | 1,556 |
| Net operating income to assets | -6.5346% | 8,026 |
| Return on assets (ROA) | -6.5346% | 8,018 |
| Pretax return on assets | -6.5346% | 7,986 |
| Return on Equity (ROE) | -17.9397% | 7,453 |
| Retained earnings to average equity (ytd only) | -17.9397% | 7,391 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 254.0000% | 114 |
| Assets per employee ($millions) | 1.6164% | 8,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 3,230 |
| 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 | 59.2256% | 5,802 |
| Net loans and leases to deposits | 83.4521% | 3,970 |
| Net loans and leases to core deposits | 102.8048% | 4,203 |
| Total domestic deposits to total assets | 70.9695% | 7,370 |
| Equity capital to assets | 28.7612% | 148 |
| Core capital (leverage) ratio | 30.8758% | 132 |
| Tier 1 risk-based capital ratio | 41.9637% | 269 |
| Total risk-based capital ratio | 43.2156% | 265 |
| Memoranda: | ||
| Average total assets | $22,679,330 | 7,858 |
| Average earning assets | $20,427,000 | 7,848 |
| Average equity | $8,261,000 | 5,932 |
| Average total loans | $12,561,670 | 7,721 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 7,932 |
| Cost of funding earning assets | 0.9870% | 7,688 |
| Net interest margin | 3.1366% | 6,080 |
| Noninterest income to average assets | 0.6509% | 3,194 |
| Noninterest expense to average assets | 9.2110% | 128 |
| Loan and lease loss provision to assets | 1.4004% | 911 |
| Net operating income to assets | -7.1400% | 8,124 |
| Return on assets (ROA) | -7.1400% | 8,116 |
| Pretax return on assets | -7.1400% | 8,084 |
| Return on Equity (ROE) | -17.1564% | 7,682 |
| Retained earnings to average equity (ytd only) | -17.1564% | 7,542 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 265.3409% | 116 |
| Assets per employee ($millions) | 1.5339% | 8,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 3,049 |
| 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 | 55.4739% | 6,314 |
| Net loans and leases to deposits | 86.9245% | 3,484 |
| Net loans and leases to core deposits | 107.9317% | 3,691 |
| Total domestic deposits to total assets | 63.8185% | 7,853 |
| Equity capital to assets | 35.9555% | 102 |
| Core capital (leverage) ratio | 42.1090% | 92 |
| Tier 1 risk-based capital ratio | 51.3161% | 191 |
| Total risk-based capital ratio | 52.5143% | 192 |
| Memoranda: | ||
| Average total assets | $20,280,000 | 7,967 |
| Average earning assets | $18,236,500 | 7,956 |
| Average equity | $8,440,000 | 5,906 |
| Average total loans | $10,582,000 | 7,876 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4888% | 8,199 |
| Cost of funding earning assets | 0.3599% | 8,211 |
| Net interest margin | 2.1289% | 8,002 |
| Noninterest income to average assets | 0.7496% | 2,786 |
| Noninterest expense to average assets | 13.2411% | 88 |
| Loan and lease loss provision to assets | 0.8314% | 1,792 |
| Net operating income to assets | -11.4284% | 8,268 |
| Return on assets (ROA) | -11.4284% | 8,268 |
| Pretax return on assets | -11.4284% | 8,260 |
| Return on Equity (ROE) | -18.8166% | 7,735 |
| Retained earnings to average equity (ytd only) | -18.8166% | 7,648 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 500.7732% | 47 |
| Assets per employee ($millions) | 1.1701% | 8,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 2,763 |
| 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 | 46.0658% | 7,326 |
| Net loans and leases to deposits | 90.8019% | 3,317 |
| Net loans and leases to core deposits | 98.7300% | 4,958 |
| Total domestic deposits to total assets | 50.7322% | 8,118 |
| Equity capital to assets | 49.0399% | 80 |
| Core capital (leverage) ratio | 53.4472% | 73 |
| Tier 1 risk-based capital ratio | 76.0697% | 105 |
| Total risk-based capital ratio | 77.1482% | 105 |
| Memoranda: | ||
| Average total assets | $14,674,000 | 8,172 |
| Average earning assets | $13,058,330 | 8,166 |
| Average equity | $8,912,330 | 5,769 |
| Average total loans | $5,202,670 | 8,151 |