Home > Community Bank of Oak Park River Forest > Performance and Condition Ratios
Community Bank of Oak Park River Forest, 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 | 5.9079% | 254 |
| Cost of funding earning assets | 0.3993% | 4,484 |
| Net interest margin | 5.5086% | 120 |
| Noninterest income to average assets | 0.3406% | 3,583 |
| Noninterest expense to average assets | 3.6696% | 781 |
| Loan and lease loss provision to assets | 0.0369% | 2,882 |
| Net operating income to assets | 1.2777% | 1,785 |
| Return on assets (ROA) | 1.2777% | 1,827 |
| Pretax return on assets | 1.7745% | 1,038 |
| Return on Equity (ROE) | 12.4764% | 1,389 |
| Retained earnings to average equity (ytd only) | 5.2715% | 2,785 |
| Net charge-offs to loans | -0.0089% | 4,188 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9509% | 2,803 |
| Assets per employee ($millions) | 5.4790% | 2,000 |
| Cash dividends to net income (ytd only)* | 57.7478% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 1,909 |
| Loan loss allowance to noncurrent loans | 58.5074% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 2.7009% | 261 |
| Noncurrent loans to loans | 2.2920% | 601 |
| Net loans and leases to total assets | 82.2542% | 565 |
| Net loans and leases to deposits | 93.1589% | 1,266 |
| Net loans and leases to core deposits | 105.5944% | 1,200 |
| Total domestic deposits to total assets | 88.2945% | 1,192 |
| Equity capital to assets | 10.4062% | 3,413 |
| Core capital (leverage) ratio | 10.1879% | 3,401 |
| Tier 1 risk-based capital ratio | 11.3814% | 4,791 |
| Total risk-based capital ratio | 12.6164% | 4,713 |
| Memoranda: | ||
| Average total assets | $325,266,500 | 2,038 |
| Average earning assets | $303,526,500 | 2,033 |
| Average equity | $33,311,000 | 2,232 |
| Average total loans | $270,747,000 | 1,759 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 395 |
| Cost of funding earning assets | 0.1975% | 5,014 |
| Net interest margin | 5.3065% | 158 |
| Noninterest income to average assets | 0.9802% | 984 |
| Noninterest expense to average assets | 4.1448% | 438 |
| Loan and lease loss provision to assets | 0.0141% | 3,863 |
| Net operating income to assets | 1.2323% | 2,036 |
| Return on assets (ROA) | 1.2323% | 2,030 |
| Pretax return on assets | 1.7285% | 1,099 |
| Return on Equity (ROE) | 12.8650% | 1,391 |
| Retained earnings to average equity (ytd only) | 7.5951% | 1,417 |
| Net charge-offs to loans | -0.1786% | 5,251 |
| Credit loss provision to net charge-offs | -9.8925% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4012% | 2,122 |
| Assets per employee ($millions) | 4.1427% | 3,696 |
| Cash dividends to net income (ytd only)* | 40.9633% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 1,968 |
| Loan loss allowance to noncurrent loans | 45.8189% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 3.1665% | 183 |
| Noncurrent loans to loans | 2.8711% | 373 |
| Net loans and leases to total assets | 82.0132% | 645 |
| Net loans and leases to deposits | 93.4529% | 1,340 |
| Net loans and leases to core deposits | 99.7996% | 1,730 |
| Total domestic deposits to total assets | 87.7589% | 1,410 |
| Equity capital to assets | 10.0781% | 3,600 |
| Core capital (leverage) ratio | 9.9537% | 3,640 |
| Tier 1 risk-based capital ratio | 10.9159% | 5,011 |
| Total risk-based capital ratio | 12.1082% | 4,927 |
| Memoranda: | ||
| Average total assets | $326,869,800 | 2,010 |
| Average earning assets | $302,268,000 | 2,010 |
| Average equity | $31,309,800 | 2,264 |
| Average total loans | $260,390,200 | 1,778 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 476 |
| Cost of funding earning assets | 0.1628% | 5,176 |
| Net interest margin | 5.1875% | 184 |
| Noninterest income to average assets | 0.9225% | 1,133 |
| Noninterest expense to average assets | 4.1717% | 412 |
| Loan and lease loss provision to assets | 0.0188% | 3,632 |
| Net operating income to assets | 1.0805% | 2,750 |
| Return on assets (ROA) | 1.0805% | 2,759 |
| Pretax return on assets | 1.5174% | 1,847 |
| Return on Equity (ROE) | 11.4290% | 2,006 |
| Retained earnings to average equity (ytd only) | 4.3074% | 3,606 |
| Net charge-offs to loans | -0.2387% | 5,327 |
| Credit loss provision to net charge-offs | -9.9783% | 4,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0860% | 1,720 |
| Assets per employee ($millions) | 4.1277% | 3,685 |
| Cash dividends to net income (ytd only)* | 62.3113% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 1,978 |
| Loan loss allowance to noncurrent loans | 89.4645% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 2.3070% | 404 |
| Noncurrent loans to loans | 1.4828% | 1,099 |
| Net loans and leases to total assets | 80.5249% | 944 |
| Net loans and leases to deposits | 90.2928% | 1,859 |
| Net loans and leases to core deposits | 101.3635% | 1,664 |
| Total domestic deposits to total assets | 89.1820% | 781 |
| Equity capital to assets | 9.5025% | 4,078 |
| Core capital (leverage) ratio | 9.6067% | 4,052 |
| Tier 1 risk-based capital ratio | 10.5279% | 5,231 |
| Total risk-based capital ratio | 11.7338% | 5,160 |
| Memoranda: | ||
| Average total assets | $326,768,750 | 2,020 |
| Average earning assets | $301,433,750 | 2,026 |
| Average equity | $30,891,500 | 2,286 |
| Average total loans | $257,491,250 | 1,801 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 559 |
| Cost of funding earning assets | 0.1454% | 5,264 |
| Net interest margin | 5.0455% | 226 |
| Noninterest income to average assets | 0.9416% | 1,075 |
| Noninterest expense to average assets | 4.1699% | 429 |
| Loan and lease loss provision to assets | 0.0283% | 3,347 |
| Net operating income to assets | 1.0079% | 2,981 |
| Return on assets (ROA) | 1.0079% | 2,984 |
| Pretax return on assets | 1.3912% | 2,181 |
| Return on Equity (ROE) | 10.6805% | 2,241 |
| Retained earnings to average equity (ytd only) | 3.8465% | 3,680 |
| Net charge-offs to loans | -0.3590% | 5,403 |
| Credit loss provision to net charge-offs | -10.1099% | 3,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6044% | 1,624 |
| Assets per employee ($millions) | 3.7845% | 4,229 |
| Cash dividends to net income (ytd only)* | 63.9854% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,724 |
| Loan loss allowance to noncurrent loans | 93.2828% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.2894% | 406 |
| Noncurrent loans to loans | 1.5088% | 1,110 |
| Net loans and leases to total assets | 76.8186% | 1,509 |
| Net loans and leases to deposits | 85.4367% | 2,387 |
| Net loans and leases to core deposits | 91.9288% | 2,410 |
| Total domestic deposits to total assets | 89.9128% | 600 |
| Equity capital to assets | 9.5169% | 4,082 |
| Core capital (leverage) ratio | 9.4483% | 4,181 |
| Tier 1 risk-based capital ratio | 10.9180% | 5,101 |
| Total risk-based capital ratio | 12.1681% | 4,987 |
| Memoranda: | ||
| Average total assets | $325,619,330 | 2,028 |
| Average earning assets | $299,947,670 | 2,047 |
| Average equity | $30,729,000 | 2,301 |
| Average total loans | $253,494,330 | 1,825 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0714% | 612 |
| Cost of funding earning assets | 0.1324% | 5,347 |
| Net interest margin | 4.9390% | 253 |
| Noninterest income to average assets | 0.6128% | 2,203 |
| Noninterest expense to average assets | 4.1658% | 429 |
| Loan and lease loss provision to assets | -0.0909% | 5,502 |
| Net operating income to assets | 0.7811% | 3,786 |
| Return on assets (ROA) | 0.7811% | 3,784 |
| Pretax return on assets | 1.0746% | 3,264 |
| Return on Equity (ROE) | 8.3120% | 3,239 |
| Retained earnings to average equity (ytd only) | 2.4309% | 4,198 |
| Net charge-offs to loans | -0.6487% | 5,513 |
| Credit loss provision to net charge-offs | 18.0049% | 2,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8967% | 1,051 |
| Assets per employee ($millions) | 3.8779% | 4,183 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 2,000 |
| Loan loss allowance to noncurrent loans | 76.0554% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 3.2016% | 237 |
| Noncurrent loans to loans | 1.7822% | 953 |
| Net loans and leases to total assets | 76.0744% | 1,532 |
| Net loans and leases to deposits | 84.4196% | 2,348 |
| Net loans and leases to core deposits | 89.8737% | 2,461 |
| Total domestic deposits to total assets | 90.1146% | 615 |
| Equity capital to assets | 9.3942% | 4,188 |
| Core capital (leverage) ratio | 9.4515% | 4,123 |
| Tier 1 risk-based capital ratio | 10.6456% | 5,304 |
| Total risk-based capital ratio | 11.8420% | 5,224 |
| Memoranda: | ||
| Average total assets | $325,697,500 | 2,044 |
| Average earning assets | $299,167,000 | 2,069 |
| Average equity | $30,606,500 | 2,328 |
| Average total loans | $253,449,000 | 1,834 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2432% | 406 |
| Cost of funding earning assets | 0.1428% | 5,303 |
| Net interest margin | 5.1004% | 194 |
| Noninterest income to average assets | 0.8652% | 1,368 |
| Noninterest expense to average assets | 4.2457% | 395 |
| Loan and lease loss provision to assets | 0.2914% | 595 |
| Net operating income to assets | 0.6418% | 3,846 |
| Return on assets (ROA) | 0.6428% | 3,879 |
| Pretax return on assets | 1.0101% | 3,530 |
| Return on Equity (ROE) | 6.7195% | 3,425 |
| Retained earnings to average equity (ytd only) | 1.6140% | 4,338 |
| Net charge-offs to loans | 0.8506% | 230 |
| Credit loss provision to net charge-offs | 43.8805% | 3,404 |
| Earnings coverage of net charge-offs (x) | 1.9573% | 3,823 |
| Efficiency ratio | 76.5582% | 1,547 |
| Assets per employee ($millions) | 4.4610% | 3,250 |
| Cash dividends to net income (ytd only)* | 75.9804% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,778 |
| Loan loss allowance to noncurrent loans | 63.8369% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 3.3035% | 217 |
| Noncurrent loans to loans | 1.8796% | 838 |
| Net loans and leases to total assets | 77.5730% | 1,340 |
| Net loans and leases to deposits | 88.5078% | 1,955 |
| Net loans and leases to core deposits | 93.1932% | 2,266 |
| Total domestic deposits to total assets | 87.6454% | 1,678 |
| Equity capital to assets | 9.4002% | 4,327 |
| Core capital (leverage) ratio | 9.3925% | 4,170 |
| Tier 1 risk-based capital ratio | 10.3697% | 5,419 |
| Total risk-based capital ratio | 11.4299% | 5,408 |
| Memoranda: | ||
| Average total assets | $317,381,400 | 2,077 |
| Average earning assets | $291,251,000 | 2,092 |
| Average equity | $30,359,200 | 2,333 |
| Average total loans | $247,824,400 | 1,831 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 463 |
| Cost of funding earning assets | 0.1437% | 5,352 |
| Net interest margin | 5.0030% | 230 |
| Noninterest income to average assets | 0.9332% | 1,182 |
| Noninterest expense to average assets | 4.1714% | 420 |
| Loan and lease loss provision to assets | 0.1899% | 1,027 |
| Net operating income to assets | 0.8239% | 3,420 |
| Return on assets (ROA) | 0.8254% | 3,444 |
| Pretax return on assets | 1.1658% | 3,039 |
| Return on Equity (ROE) | 8.5906% | 2,815 |
| Retained earnings to average equity (ytd only) | 3.7496% | 3,693 |
| Net charge-offs to loans | 1.1323% | 148 |
| Credit loss provision to net charge-offs | 21.5038% | 3,146 |
| Earnings coverage of net charge-offs (x) | 1.5330% | 3,565 |
| Efficiency ratio | 75.5013% | 1,664 |
| Assets per employee ($millions) | 4.4328% | 3,270 |
| Cash dividends to net income (ytd only)* | 56.3525% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,980 |
| Loan loss allowance to noncurrent loans | 44.7567% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 3.2732% | 260 |
| Noncurrent loans to loans | 2.2670% | 708 |
| Net loans and leases to total assets | 77.6828% | 1,317 |
| Net loans and leases to deposits | 88.6131% | 1,974 |
| Net loans and leases to core deposits | 95.1226% | 2,160 |
| Total domestic deposits to total assets | 87.6652% | 1,537 |
| Equity capital to assets | 9.4217% | 4,524 |
| Core capital (leverage) ratio | 9.5652% | 4,075 |
| Tier 1 risk-based capital ratio | 10.1615% | 5,560 |
| Total risk-based capital ratio | 11.0435% | 5,605 |
| Memoranda: | ||
| Average total assets | $315,313,750 | 2,099 |
| Average earning assets | $289,390,500 | 2,116 |
| Average equity | $30,296,000 | 2,355 |
| Average total loans | $245,859,000 | 1,848 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 711 |
| Cost of funding earning assets | 0.1350% | 5,422 |
| Net interest margin | 4.7535% | 353 |
| Noninterest income to average assets | 0.9207% | 1,214 |
| Noninterest expense to average assets | 4.0794% | 483 |
| Loan and lease loss provision to assets | 0.0315% | 3,368 |
| Net operating income to assets | 0.7425% | 3,655 |
| Return on assets (ROA) | 0.7445% | 3,713 |
| Pretax return on assets | 1.1824% | 2,839 |
| Return on Equity (ROE) | 7.6962% | 3,199 |
| Retained earnings to average equity (ytd only) | 3.0439% | 3,902 |
| Net charge-offs to loans | -0.0355% | 5,028 |
| Credit loss provision to net charge-offs | -113.9535% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1147% | 1,569 |
| Assets per employee ($millions) | 4.1768% | 3,668 |
| Cash dividends to net income (ytd only)* | 60.4491% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 933 |
| Loan loss allowance to noncurrent loans | 44.8889% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 4.6530% | 122 |
| Noncurrent loans to loans | 3.9532% | 249 |
| Net loans and leases to total assets | 76.7407% | 1,424 |
| Net loans and leases to deposits | 86.4076% | 2,176 |
| Net loans and leases to core deposits | 91.1120% | 2,414 |
| Total domestic deposits to total assets | 88.8125% | 1,053 |
| Equity capital to assets | 9.7561% | 4,175 |
| Core capital (leverage) ratio | 9.4723% | 4,158 |
| Tier 1 risk-based capital ratio | 10.3261% | 5,531 |
| Total risk-based capital ratio | 11.5806% | 5,457 |
| Memoranda: | ||
| Average total assets | $311,075,000 | 2,125 |
| Average earning assets | $285,934,000 | 2,137 |
| Average equity | $30,092,670 | 2,365 |
| Average total loans | $242,500,330 | 1,867 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 969 |
| Cost of funding earning assets | 0.1414% | 5,430 |
| Net interest margin | 4.5382% | 491 |
| Noninterest income to average assets | 0.9691% | 1,063 |
| Noninterest expense to average assets | 3.8738% | 620 |
| Loan and lease loss provision to assets | 0.0632% | 2,540 |
| Net operating income to assets | 0.7671% | 3,387 |
| Return on assets (ROA) | 0.7704% | 3,423 |
| Pretax return on assets | 1.2207% | 2,510 |
| Return on Equity (ROE) | 7.9979% | 2,922 |
| Retained earnings to average equity (ytd only) | 3.3090% | 3,783 |
| Net charge-offs to loans | -0.0083% | 4,351 |
| Credit loss provision to net charge-offs | -980.0000% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1816% | 2,039 |
| Assets per employee ($millions) | 4.1671% | 3,725 |
| Cash dividends to net income (ytd only)* | 58.6265% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7509% | 1,054 |
| Loan loss allowance to noncurrent loans | 52.3723% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 4.1983% | 174 |
| Noncurrent loans to loans | 3.3432% | 374 |
| Net loans and leases to total assets | 77.2930% | 1,231 |
| Net loans and leases to deposits | 87.3549% | 1,875 |
| Net loans and leases to core deposits | 89.6685% | 2,381 |
| Total domestic deposits to total assets | 88.4815% | 1,436 |
| Equity capital to assets | 9.6182% | 4,168 |
| Core capital (leverage) ratio | 9.3812% | 4,249 |
| Tier 1 risk-based capital ratio | 9.9699% | 5,704 |
| Total risk-based capital ratio | 11.2242% | 5,675 |
| Memoranda: | ||
| Average total assets | $309,982,500 | 2,151 |
| Average earning assets | $285,750,000 | 2,159 |
| Average equity | $29,858,000 | 2,393 |
| Average total loans | $241,380,000 | 1,886 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 1,231 |
| Cost of funding earning assets | 0.1299% | 5,545 |
| Net interest margin | 4.4905% | 641 |
| Noninterest income to average assets | 0.5612% | 2,864 |
| Noninterest expense to average assets | 3.4893% | 1,180 |
| Loan and lease loss provision to assets | 0.0672% | 3,024 |
| Net operating income to assets | 0.9305% | 2,676 |
| Return on assets (ROA) | 0.9327% | 2,775 |
| Pretax return on assets | 1.1513% | 2,892 |
| Return on Equity (ROE) | 9.5877% | 2,149 |
| Retained earnings to average equity (ytd only) | 5.9625% | 1,722 |
| Net charge-offs to loans | 0.0835% | 2,496 |
| Credit loss provision to net charge-offs | 109.8901% | 2,384 |
| Earnings coverage of net charge-offs (x) | 19.8901% | 1,889 |
| Efficiency ratio | 74.1595% | 2,269 |
| Assets per employee ($millions) | 4.5211% | 3,086 |
| Cash dividends to net income (ytd only)* | 37.8106% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 953 |
| Loan loss allowance to noncurrent loans | 308.0435% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 1.8498% | 781 |
| Noncurrent loans to loans | 0.5826% | 3,103 |
| Net loans and leases to total assets | 75.6714% | 1,567 |
| Net loans and leases to deposits | 88.0757% | 1,917 |
| Net loans and leases to core deposits | 90.4291% | 2,467 |
| Total domestic deposits to total assets | 85.9162% | 2,623 |
| Equity capital to assets | 9.6464% | 4,122 |
| Core capital (leverage) ratio | 9.4010% | 4,222 |
| Tier 1 risk-based capital ratio | 10.3877% | 5,618 |
| Total risk-based capital ratio | 11.6445% | 5,557 |
| Memoranda: | ||
| Average total assets | $297,742,400 | 2,179 |
| Average earning assets | $274,757,400 | 2,178 |
| Average equity | $28,964,200 | 2,454 |
| Average total loans | $217,967,600 | 1,983 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 1,348 |
| Cost of funding earning assets | 0.1306% | 5,609 |
| Net interest margin | 4.4439% | 710 |
| Noninterest income to average assets | 0.4659% | 3,454 |
| Noninterest expense to average assets | 3.3820% | 1,381 |
| Loan and lease loss provision to assets | -0.3612% | 5,928 |
| Net operating income to assets | 0.9602% | 2,613 |
| Return on assets (ROA) | 0.9625% | 2,743 |
| Pretax return on assets | 1.5499% | 1,535 |
| Return on Equity (ROE) | 9.8731% | 2,107 |
| Retained earnings to average equity (ytd only) | 6.6315% | 1,831 |
| Net charge-offs to loans | -0.4846% | 5,887 |
| Credit loss provision to net charge-offs | 103.2258% | 2,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0510% | 2,277 |
| Assets per employee ($millions) | 4.7793% | 2,640 |
| Cash dividends to net income (ytd only)* | 32.8330% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 883 |
| Loan loss allowance to noncurrent loans | 92.6464% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.9499% | 401 |
| Noncurrent loans to loans | 2.0270% | 962 |
| Net loans and leases to total assets | 73.0201% | 2,017 |
| Net loans and leases to deposits | 81.2931% | 2,821 |
| Net loans and leases to core deposits | 83.2149% | 3,194 |
| Total domestic deposits to total assets | 89.8232% | 549 |
| Equity capital to assets | 9.7782% | 4,388 |
| Core capital (leverage) ratio | 9.5672% | 4,099 |
| Tier 1 risk-based capital ratio | 11.0784% | 5,330 |
| Total risk-based capital ratio | 12.3343% | 5,230 |
| Memoranda: | ||
| Average total assets | $295,320,000 | 2,200 |
| Average earning assets | $272,545,500 | 2,201 |
| Average equity | $28,791,250 | 2,472 |
| Average total loans | $213,237,250 | 2,027 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 1,379 |
| Cost of funding earning assets | 0.1332% | 5,663 |
| Net interest margin | 4.4195% | 731 |
| Noninterest income to average assets | 0.3967% | 3,893 |
| Noninterest expense to average assets | 3.2611% | 1,667 |
| Loan and lease loss provision to assets | -0.4090% | 6,004 |
| Net operating income to assets | 1.0034% | 2,381 |
| Return on assets (ROA) | 1.0034% | 2,514 |
| Pretax return on assets | 1.6156% | 1,325 |
| Return on Equity (ROE) | 10.3030% | 1,920 |
| Retained earnings to average equity (ytd only) | 7.8532% | 1,219 |
| Net charge-offs to loans | -0.6440% | 5,966 |
| Credit loss provision to net charge-offs | 88.8889% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9936% | 2,522 |
| Assets per employee ($millions) | 5.7940% | 1,552 |
| Cash dividends to net income (ytd only)* | 23.7772% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 784 |
| Loan loss allowance to noncurrent loans | 113.3983% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.7811% | 458 |
| Noncurrent loans to loans | 1.7377% | 1,210 |
| Net loans and leases to total assets | 71.1348% | 2,311 |
| Net loans and leases to deposits | 79.0857% | 3,048 |
| Net loans and leases to core deposits | 81.4552% | 3,325 |
| Total domestic deposits to total assets | 89.9465% | 510 |
| Equity capital to assets | 9.6894% | 4,563 |
| Core capital (leverage) ratio | 9.4312% | 4,294 |
| Tier 1 risk-based capital ratio | 10.9167% | 5,465 |
| Total risk-based capital ratio | 12.1743% | 5,386 |
| Memoranda: | ||
| Average total assets | $293,394,000 | 2,220 |
| Average earning assets | $270,256,670 | 2,230 |
| Average equity | $28,574,330 | 2,492 |
| Average total loans | $209,626,330 | 2,058 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5415% | 1,393 |
| Cost of funding earning assets | 0.1357% | 5,711 |
| Net interest margin | 4.4058% | 732 |
| Noninterest income to average assets | 0.3759% | 4,028 |
| Noninterest expense to average assets | 3.2310% | 1,760 |
| Loan and lease loss provision to assets | -0.6910% | 6,097 |
| Net operating income to assets | 1.1595% | 1,674 |
| Return on assets (ROA) | 1.1595% | 1,788 |
| Pretax return on assets | 1.8739% | 730 |
| Return on Equity (ROE) | 11.8733% | 1,346 |
| Retained earnings to average equity (ytd only) | 11.8733% | 524 |
| Net charge-offs to loans | -1.1681% | 6,051 |
| Credit loss provision to net charge-offs | 83.4725% | 1,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1997% | 2,605 |
| Assets per employee ($millions) | 5.7867% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 670 |
| Loan loss allowance to noncurrent loans | 216.3836% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 2.6488% | 539 |
| Noncurrent loans to loans | 0.9774% | 2,426 |
| Net loans and leases to total assets | 67.9364% | 2,655 |
| Net loans and leases to deposits | 75.5974% | 3,266 |
| Net loans and leases to core deposits | 78.0746% | 3,483 |
| Total domestic deposits to total assets | 89.8662% | 648 |
| Equity capital to assets | 9.7469% | 4,401 |
| Core capital (leverage) ratio | 9.5466% | 4,106 |
| Tier 1 risk-based capital ratio | 11.1692% | 5,416 |
| Total risk-based capital ratio | 12.4281% | 5,318 |
| Memoranda: | ||
| Average total assets | $289,447,500 | 2,251 |
| Average earning assets | $265,289,500 | 2,268 |
| Average equity | $28,265,000 | 2,508 |
| Average total loans | $205,125,500 | 2,097 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 3,143 |
| Cost of funding earning assets | 0.1870% | 5,385 |
| Net interest margin | 3.8568% | 2,173 |
| Noninterest income to average assets | 0.2933% | 4,788 |
| Noninterest expense to average assets | 3.1253% | 2,162 |
| Loan and lease loss provision to assets | -0.4145% | 6,104 |
| Net operating income to assets | 0.6941% | 3,840 |
| Return on assets (ROA) | 0.7005% | 3,912 |
| Pretax return on assets | 1.1112% | 2,994 |
| Return on Equity (ROE) | 7.4240% | 3,293 |
| Retained earnings to average equity (ytd only) | 5.5387% | 2,059 |
| Net charge-offs to loans | -0.4521% | 6,074 |
| Credit loss provision to net charge-offs | 146.3415% | 1,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9862% | 1,413 |
| Assets per employee ($millions) | 5.7913% | 1,543 |
| Cash dividends to net income (ytd only)* | 25.3945% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 722 |
| Loan loss allowance to noncurrent loans | 211.0169% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 2.7758% | 513 |
| Noncurrent loans to loans | 0.9765% | 2,382 |
| Net loans and leases to total assets | 70.8984% | 2,217 |
| Net loans and leases to deposits | 78.9626% | 2,945 |
| Net loans and leases to core deposits | 81.6370% | 3,189 |
| Total domestic deposits to total assets | 89.7873% | 721 |
| Equity capital to assets | 9.7842% | 4,205 |
| Core capital (leverage) ratio | 9.3304% | 4,430 |
| Tier 1 risk-based capital ratio | 10.8513% | 5,599 |
| Total risk-based capital ratio | 12.1127% | 5,500 |
| Memoranda: | ||
| Average total assets | $289,512,400 | 2,210 |
| Average earning assets | $264,129,400 | 2,240 |
| Average equity | $27,316,800 | 2,518 |
| Average total loans | $181,366,400 | 2,225 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 3,559 |
| Cost of funding earning assets | 0.2010% | 5,369 |
| Net interest margin | 3.7448% | 2,586 |
| Noninterest income to average assets | 0.4042% | 4,057 |
| Noninterest expense to average assets | 2.9792% | 2,590 |
| Loan and lease loss provision to assets | -0.4583% | 6,201 |
| Net operating income to assets | 0.8035% | 3,416 |
| Return on assets (ROA) | 0.8120% | 3,464 |
| Pretax return on assets | 1.3120% | 2,350 |
| Return on Equity (ROE) | 8.6845% | 2,741 |
| Retained earnings to average equity (ytd only) | 6.1605% | 2,147 |
| Net charge-offs to loans | -0.7079% | 6,186 |
| Credit loss provision to net charge-offs | 107.4114% | 2,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9964% | 1,943 |
| Assets per employee ($millions) | 5.6530% | 1,632 |
| Cash dividends to net income (ytd only)* | 29.0632% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4496% | 466 |
| Loan loss allowance to noncurrent loans | 186.6119% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 2.9506% | 524 |
| Noncurrent loans to loans | 1.3127% | 1,943 |
| Net loans and leases to total assets | 64.0202% | 3,307 |
| Net loans and leases to deposits | 71.2001% | 3,850 |
| Net loans and leases to core deposits | 73.2992% | 4,076 |
| Total domestic deposits to total assets | 89.9158% | 608 |
| Equity capital to assets | 9.7714% | 4,418 |
| Core capital (leverage) ratio | 9.0570% | 4,927 |
| Tier 1 risk-based capital ratio | 11.7467% | 5,238 |
| Total risk-based capital ratio | 13.0138% | 5,149 |
| Memoranda: | ||
| Average total assets | $290,946,750 | 2,217 |
| Average earning assets | $265,357,750 | 2,251 |
| Average equity | $27,204,750 | 2,543 |
| Average total loans | $175,351,750 | 2,300 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7398% | 4,277 |
| Cost of funding earning assets | 0.2143% | 5,314 |
| Net interest margin | 3.5254% | 3,388 |
| Noninterest income to average assets | 0.4106% | 4,001 |
| Noninterest expense to average assets | 2.7823% | 3,306 |
| Loan and lease loss provision to assets | -0.5448% | 6,282 |
| Net operating income to assets | 0.8553% | 3,108 |
| Return on assets (ROA) | 0.8662% | 3,155 |
| Pretax return on assets | 1.4048% | 1,961 |
| Return on Equity (ROE) | 9.3990% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.3990% | 802 |
| Net charge-offs to loans | -0.9490% | 6,267 |
| Credit loss provision to net charge-offs | 98.0392% | 2,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7468% | 2,238 |
| Assets per employee ($millions) | 5.5295% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5855% | 439 |
| Loan loss allowance to noncurrent loans | 166.3313% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 3.0808% | 528 |
| Noncurrent loans to loans | 1.5544% | 1,701 |
| Net loans and leases to total assets | 61.8457% | 3,572 |
| Net loans and leases to deposits | 68.7707% | 4,056 |
| Net loans and leases to core deposits | 71.0999% | 4,214 |
| Total domestic deposits to total assets | 89.9303% | 687 |
| Equity capital to assets | 9.7821% | 4,295 |
| Core capital (leverage) ratio | 8.7724% | 5,258 |
| Tier 1 risk-based capital ratio | 11.8562% | 5,243 |
| Total risk-based capital ratio | 13.1172% | 5,134 |
| Memoranda: | ||
| Average total assets | $293,712,330 | 2,215 |
| Average earning assets | $267,825,000 | 2,251 |
| Average equity | $27,066,670 | 2,563 |
| Average total loans | $171,970,000 | 2,353 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5372% | 4,867 |
| Cost of funding earning assets | 0.2240% | 5,277 |
| Net interest margin | 3.3132% | 4,158 |
| Noninterest income to average assets | 0.3458% | 4,433 |
| Noninterest expense to average assets | 2.6158% | 3,876 |
| Loan and lease loss provision to assets | -0.6009% | 6,358 |
| Net operating income to assets | 0.8332% | 3,097 |
| Return on assets (ROA) | 0.8332% | 3,223 |
| Pretax return on assets | 1.3526% | 2,062 |
| Return on Equity (ROE) | 9.3110% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.3110% | 1,099 |
| Net charge-offs to loans | -1.0544% | 6,324 |
| Credit loss provision to net charge-offs | 101.3514% | 1,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6764% | 2,235 |
| Assets per employee ($millions) | 6.6343% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6586% | 428 |
| Loan loss allowance to noncurrent loans | 161.3660% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 2.8705% | 681 |
| Noncurrent loans to loans | 1.6475% | 1,691 |
| Net loans and leases to total assets | 55.2730% | 4,286 |
| Net loans and leases to deposits | 60.9058% | 4,672 |
| Net loans and leases to core deposits | 63.3139% | 4,760 |
| Total domestic deposits to total assets | 90.7516% | 455 |
| Equity capital to assets | 8.8827% | 5,409 |
| Core capital (leverage) ratio | 8.4039% | 5,626 |
| Tier 1 risk-based capital ratio | 11.9041% | 5,305 |
| Total risk-based capital ratio | 13.1664% | 5,189 |
| Memoranda: | ||
| Average total assets | $299,566,000 | 2,200 |
| Average earning assets | $273,208,500 | 2,225 |
| Average equity | $26,807,000 | 2,603 |
| Average total loans | $168,436,500 | 2,389 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 4,992 |
| Cost of funding earning assets | 0.2691% | 5,109 |
| Net interest margin | 3.3629% | 4,359 |
| Noninterest income to average assets | 0.4455% | 3,868 |
| Noninterest expense to average assets | 3.0760% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1541% | 1,751 |
| Return on assets (ROA) | 1.1541% | 1,820 |
| Pretax return on assets | 0.4266% | 5,427 |
| Return on Equity (ROE) | 14.5645% | 841 |
| Retained earnings to average equity (ytd only) | 14.5645% | 157 |
| Net charge-offs to loans | 2.2507% | 73 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.3006% | 4,668 |
| Efficiency ratio | 87.8195% | 1,007 |
| Assets per employee ($millions) | 6.5323% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8199% | 364 |
| Loan loss allowance to noncurrent loans | 172.1269% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 2.9205% | 709 |
| Noncurrent loans to loans | 1.6383% | 1,791 |
| Net loans and leases to total assets | 54.0806% | 4,569 |
| Net loans and leases to deposits | 59.7338% | 4,925 |
| Net loans and leases to core deposits | 62.3046% | 4,981 |
| Total domestic deposits to total assets | 90.5359% | 528 |
| Equity capital to assets | 9.0171% | 5,266 |
| Core capital (leverage) ratio | 8.0240% | 5,987 |
| Tier 1 risk-based capital ratio | 12.4306% | 5,075 |
| Total risk-based capital ratio | 13.6954% | 4,989 |
| Memoranda: | ||
| Average total assets | $275,875,600 | 2,314 |
| Average earning assets | $250,794,400 | 2,344 |
| Average equity | $21,861,400 | 2,964 |
| Average total loans | $173,944,600 | 2,291 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 4,793 |
| Cost of funding earning assets | 0.2783% | 5,116 |
| Net interest margin | 3.4461% | 4,034 |
| Noninterest income to average assets | 0.4589% | 3,834 |
| Noninterest expense to average assets | 2.9672% | 2,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6250% | 4,331 |
| Return on assets (ROA) | 0.6250% | 4,429 |
| Pretax return on assets | 0.6250% | 4,948 |
| Return on Equity (ROE) | 8.1929% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.1929% | 1,270 |
| Net charge-offs to loans | 1.1155% | 258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.8612% | 4,296 |
| Efficiency ratio | 82.6016% | 1,536 |
| Assets per employee ($millions) | 6.3567% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1148% | 153 |
| Loan loss allowance to noncurrent loans | 58.6850% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 6.2646% | 209 |
| Noncurrent loans to loans | 7.0118% | 166 |
| Net loans and leases to total assets | 57.4389% | 4,146 |
| Net loans and leases to deposits | 62.2814% | 4,710 |
| Net loans and leases to core deposits | 65.1207% | 4,789 |
| Total domestic deposits to total assets | 92.2248% | 130 |
| Equity capital to assets | 7.4795% | 6,308 |
| Core capital (leverage) ratio | 7.4949% | 6,287 |
| Tier 1 risk-based capital ratio | 11.1681% | 5,925 |
| Total risk-based capital ratio | 12.4510% | 5,858 |
| Memoranda: | ||
| Average total assets | $271,356,000 | 2,365 |
| Average earning assets | $246,728,500 | 2,387 |
| Average equity | $20,700,250 | 3,096 |
| Average total loans | $176,534,500 | 2,275 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,749 |
| Cost of funding earning assets | 0.2882% | 5,094 |
| Net interest margin | 3.4457% | 3,998 |
| Noninterest income to average assets | 0.4196% | 4,100 |
| Noninterest expense to average assets | 3.0384% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5127% | 4,755 |
| Return on assets (ROA) | 0.5127% | 4,851 |
| Pretax return on assets | 0.5127% | 5,243 |
| Return on Equity (ROE) | 6.6736% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.6736% | 1,940 |
| Net charge-offs to loans | 0.8920% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.8591% | 3,952 |
| Efficiency ratio | 85.5633% | 1,311 |
| Assets per employee ($millions) | 5.8035% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4198% | 127 |
| Loan loss allowance to noncurrent loans | 58.9630% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 7.2276% | 170 |
| Noncurrent loans to loans | 7.4960% | 152 |
| Net loans and leases to total assets | 62.6409% | 3,296 |
| Net loans and leases to deposits | 68.1859% | 4,028 |
| Net loans and leases to core deposits | 71.4888% | 4,102 |
| Total domestic deposits to total assets | 91.8678% | 191 |
| Equity capital to assets | 7.8000% | 6,256 |
| Core capital (leverage) ratio | 6.8482% | 6,451 |
| Tier 1 risk-based capital ratio | 11.0756% | 6,020 |
| Total risk-based capital ratio | 12.3640% | 5,942 |
| Memoranda: | ||
| Average total assets | $266,458,000 | 2,398 |
| Average earning assets | $242,154,670 | 2,421 |
| Average equity | $20,468,670 | 3,120 |
| Average total loans | $178,261,000 | 2,255 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,914 |
| Cost of funding earning assets | 0.2921% | 5,156 |
| Net interest margin | 3.3886% | 4,175 |
| Noninterest income to average assets | 0.4448% | 3,826 |
| Noninterest expense to average assets | 3.1179% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4117% | 5,072 |
| Return on assets (ROA) | 0.4117% | 5,138 |
| Pretax return on assets | 0.4117% | 5,417 |
| Return on Equity (ROE) | 5.4013% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.4013% | 2,853 |
| Net charge-offs to loans | 0.3379% | 1,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.8026% | 3,017 |
| Efficiency ratio | 88.3355% | 1,192 |
| Assets per employee ($millions) | 5.8480% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6470% | 117 |
| Loan loss allowance to noncurrent loans | 51.2858% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 8.5544% | 148 |
| Noncurrent loans to loans | 9.0610% | 125 |
| Net loans and leases to total assets | 65.3096% | 2,673 |
| Net loans and leases to deposits | 71.0418% | 3,474 |
| Net loans and leases to core deposits | 74.6223% | 3,577 |
| Total domestic deposits to total assets | 91.9312% | 258 |
| Equity capital to assets | 7.7545% | 6,201 |
| Core capital (leverage) ratio | 7.2802% | 6,408 |
| Tier 1 risk-based capital ratio | 10.5619% | 6,314 |
| Total risk-based capital ratio | 11.8536% | 6,274 |
| Memoranda: | ||
| Average total assets | $266,205,500 | 2,410 |
| Average earning assets | $242,343,500 | 2,417 |
| Average equity | $20,291,500 | 3,137 |
| Average total loans | $179,911,000 | 2,236 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 3,676 |
| Cost of funding earning assets | 0.3715% | 4,932 |
| Net interest margin | 3.7444% | 2,881 |
| Noninterest income to average assets | 0.1283% | 6,288 |
| Noninterest expense to average assets | 3.5317% | 1,587 |
| Loan and lease loss provision to assets | 0.7996% | 269 |
| Net operating income to assets | -0.6436% | 6,533 |
| Return on assets (ROA) | -0.6436% | 6,538 |
| Pretax return on assets | -0.7537% | 6,545 |
| Return on Equity (ROE) | -8.3154% | 6,560 |
| Retained earnings to average equity (ytd only) | -8.3154% | 6,501 |
| Net charge-offs to loans | 1.8648% | 214 |
| Credit loss provision to net charge-offs | 58.7161% | 3,606 |
| Earnings coverage of net charge-offs (x) | 0.0337% | 5,081 |
| Efficiency ratio | 98.7186% | 525 |
| Assets per employee ($millions) | 5.7287% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7490% | 108 |
| Loan loss allowance to noncurrent loans | 49.6362% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 8.6949% | 163 |
| Noncurrent loans to loans | 9.5675% | 126 |
| Net loans and leases to total assets | 63.5278% | 3,127 |
| Net loans and leases to deposits | 68.9346% | 3,914 |
| Net loans and leases to core deposits | 72.3734% | 4,023 |
| Total domestic deposits to total assets | 92.1567% | 256 |
| Equity capital to assets | 7.4934% | 6,286 |
| Core capital (leverage) ratio | 7.1266% | 6,494 |
| Tier 1 risk-based capital ratio | 10.5978% | 6,336 |
| Total risk-based capital ratio | 11.8917% | 6,272 |
| Memoranda: | ||
| Average total assets | $281,397,400 | 2,259 |
| Average earning assets | $259,211,200 | 2,253 |
| Average equity | $21,778,800 | 2,948 |
| Average total loans | $205,493,800 | 1,960 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,664 |
| Cost of funding earning assets | 0.3924% | 4,885 |
| Net interest margin | 3.7322% | 2,912 |
| Noninterest income to average assets | 0.4809% | 3,933 |
| Noninterest expense to average assets | 3.3525% | 1,937 |
| Loan and lease loss provision to assets | 1.0547% | 151 |
| Net operating income to assets | -0.3745% | 6,556 |
| Return on assets (ROA) | -0.3745% | 6,568 |
| Pretax return on assets | -0.4842% | 6,590 |
| Return on Equity (ROE) | -4.8031% | 6,596 |
| Retained earnings to average equity (ytd only) | -4.8031% | 6,485 |
| Net charge-offs to loans | 2.4279% | 131 |
| Credit loss provision to net charge-offs | 58.2902% | 3,334 |
| Earnings coverage of net charge-offs (x) | 0.3153% | 4,760 |
| Efficiency ratio | 85.4582% | 1,419 |
| Assets per employee ($millions) | 5.6651% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2942% | 193 |
| Loan loss allowance to noncurrent loans | 45.2754% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 9.7235% | 145 |
| Noncurrent loans to loans | 9.4847% | 154 |
| Net loans and leases to total assets | 71.1482% | 1,757 |
| Net loans and leases to deposits | 77.6524% | 2,720 |
| Net loans and leases to core deposits | 81.7814% | 2,897 |
| Total domestic deposits to total assets | 91.6240% | 334 |
| Equity capital to assets | 7.9647% | 6,170 |
| Core capital (leverage) ratio | 7.4496% | 6,471 |
| Tier 1 risk-based capital ratio | 10.1383% | 6,560 |
| Total risk-based capital ratio | 11.4260% | 6,515 |
| Memoranda: | ||
| Average total assets | $284,434,500 | 2,250 |
| Average earning assets | $262,321,500 | 2,239 |
| Average equity | $22,179,500 | 2,942 |
| Average total loans | $211,973,250 | 1,919 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,960 |
| Cost of funding earning assets | 0.4174% | 4,780 |
| Net interest margin | 3.6221% | 3,276 |
| Noninterest income to average assets | 0.4689% | 4,032 |
| Noninterest expense to average assets | 3.2910% | 2,097 |
| Loan and lease loss provision to assets | 0.1033% | 3,070 |
| Net operating income to assets | 0.5652% | 4,477 |
| Return on assets (ROA) | 0.5652% | 4,643 |
| Pretax return on assets | 0.4262% | 5,588 |
| Return on Equity (ROE) | 7.2966% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.2966% | 1,747 |
| Net charge-offs to loans | 0.8594% | 723 |
| Credit loss provision to net charge-offs | 16.1117% | 3,810 |
| Earnings coverage of net charge-offs (x) | 0.8260% | 4,255 |
| Efficiency ratio | 86.1416% | 1,401 |
| Assets per employee ($millions) | 5.9138% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4433% | 182 |
| Loan loss allowance to noncurrent loans | 34.8110% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 11.3640% | 116 |
| Noncurrent loans to loans | 12.7640% | 78 |
| Net loans and leases to total assets | 73.7512% | 1,291 |
| Net loans and leases to deposits | 80.7929% | 2,212 |
| Net loans and leases to core deposits | 85.5915% | 2,374 |
| Total domestic deposits to total assets | 91.2842% | 451 |
| Equity capital to assets | 8.3971% | 5,872 |
| Core capital (leverage) ratio | 7.4058% | 6,492 |
| Tier 1 risk-based capital ratio | 10.5320% | 6,491 |
| Total risk-based capital ratio | 11.8228% | 6,457 |
| Memoranda: | ||
| Average total assets | $290,492,330 | 2,222 |
| Average earning assets | $268,792,000 | 2,198 |
| Average equity | $22,503,670 | 2,930 |
| Average total loans | $216,651,000 | 1,886 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 4,150 |
| Cost of funding earning assets | 0.4521% | 4,573 |
| Net interest margin | 3.5405% | 3,522 |
| Noninterest income to average assets | 0.5058% | 3,737 |
| Noninterest expense to average assets | 3.0028% | 2,983 |
| Loan and lease loss provision to assets | 0.2002% | 1,859 |
| Net operating income to assets | 0.5845% | 4,292 |
| Return on assets (ROA) | 0.5845% | 4,439 |
| Pretax return on assets | 0.5845% | 5,005 |
| Return on Equity (ROE) | 7.8445% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.8445% | 1,807 |
| Net charge-offs to loans | -0.1073% | 6,476 |
| Credit loss provision to net charge-offs | -254.2373% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2812% | 2,430 |
| Assets per employee ($millions) | 6.6210% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7364% | 161 |
| Loan loss allowance to noncurrent loans | 31.5450% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 12.0916% | 128 |
| Noncurrent loans to loans | 15.0147% | 75 |
| Net loans and leases to total assets | 68.1453% | 1,983 |
| Net loans and leases to deposits | 73.8198% | 2,940 |
| Net loans and leases to core deposits | 79.9378% | 2,817 |
| Total domestic deposits to total assets | 92.3130% | 200 |
| Equity capital to assets | 7.3974% | 6,624 |
| Core capital (leverage) ratio | 7.6580% | 6,380 |
| Tier 1 risk-based capital ratio | 10.3552% | 6,618 |
| Total risk-based capital ratio | 11.6493% | 6,589 |
| Memoranda: | ||
| Average total assets | $299,721,000 | 2,191 |
| Average earning assets | $277,811,000 | 2,168 |
| Average equity | $22,334,000 | 2,992 |
| Average total loans | $219,997,500 | 1,870 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 3,542 |
| Cost of funding earning assets | 0.5768% | 4,570 |
| Net interest margin | 3.8898% | 2,872 |
| Noninterest income to average assets | 0.4855% | 3,993 |
| Noninterest expense to average assets | 2.8409% | 3,874 |
| Loan and lease loss provision to assets | 0.6242% | 865 |
| Net operating income to assets | 0.7024% | 3,729 |
| Return on assets (ROA) | 0.7024% | 3,982 |
| Pretax return on assets | 0.6726% | 4,751 |
| Return on Equity (ROE) | 10.1256% | 2,118 |
| Retained earnings to average equity (ytd only) | 10.1256% | 575 |
| Net charge-offs to loans | 2.1289% | 329 |
| Credit loss provision to net charge-offs | 38.0813% | 4,970 |
| Earnings coverage of net charge-offs (x) | 0.7911% | 5,078 |
| Efficiency ratio | 68.6586% | 4,027 |
| Assets per employee ($millions) | 6.4103% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5514% | 179 |
| Loan loss allowance to noncurrent loans | 33.7450% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 11.3841% | 166 |
| Noncurrent loans to loans | 13.4877% | 114 |
| Net loans and leases to total assets | 71.9010% | 1,506 |
| Net loans and leases to deposits | 77.9799% | 2,534 |
| Net loans and leases to core deposits | 84.6302% | 2,474 |
| Total domestic deposits to total assets | 92.2045% | 210 |
| Equity capital to assets | 7.5076% | 6,630 |
| Core capital (leverage) ratio | 7.2602% | 6,607 |
| Tier 1 risk-based capital ratio | 10.0547% | 6,682 |
| Total risk-based capital ratio | 11.3470% | 6,646 |
| Memoranda: | ||
| Average total assets | $312,226,400 | 2,056 |
| Average earning assets | $293,151,600 | 2,014 |
| Average equity | $21,658,000 | 3,015 |
| Average total loans | $240,401,800 | 1,715 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 3,752 |
| Cost of funding earning assets | 0.5959% | 4,694 |
| Net interest margin | 3.8742% | 3,011 |
| Noninterest income to average assets | 0.4679% | 4,153 |
| Noninterest expense to average assets | 2.8168% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4211% | 1,180 |
| Return on assets (ROA) | 1.4211% | 1,299 |
| Pretax return on assets | 1.3014% | 2,606 |
| Return on Equity (ROE) | 20.8866% | 285 |
| Retained earnings to average equity (ytd only) | 20.8866% | 75 |
| Net charge-offs to loans | 1.9289% | 389 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.8719% | 4,897 |
| Efficiency ratio | 68.3984% | 3,983 |
| Assets per employee ($millions) | 7.0314% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1490% | 272 |
| Loan loss allowance to noncurrent loans | 51.8757% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 6.1840% | 638 |
| Noncurrent loans to loans | 7.9980% | 392 |
| Net loans and leases to total assets | 72.6932% | 1,438 |
| Net loans and leases to deposits | 78.8688% | 2,548 |
| Net loans and leases to core deposits | 87.3465% | 2,301 |
| Total domestic deposits to total assets | 92.1698% | 193 |
| Equity capital to assets | 7.5489% | 6,767 |
| Core capital (leverage) ratio | 7.3040% | 6,713 |
| Tier 1 risk-based capital ratio | 10.0076% | 6,799 |
| Total risk-based capital ratio | 11.2954% | 6,767 |
| Memoranda: | ||
| Average total assets | $316,564,250 | 2,055 |
| Average earning assets | $298,275,500 | 1,999 |
| Average equity | $21,538,000 | 3,055 |
| Average total loans | $244,970,250 | 1,695 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 3,926 |
| Cost of funding earning assets | 0.6157% | 4,757 |
| Net interest margin | 3.8480% | 3,142 |
| Noninterest income to average assets | 0.4634% | 4,178 |
| Noninterest expense to average assets | 2.9214% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1707% | 1,813 |
| Return on assets (ROA) | 1.1707% | 2,016 |
| Pretax return on assets | 1.1707% | 3,044 |
| Return on Equity (ROE) | 17.8384% | 525 |
| Retained earnings to average equity (ytd only) | 17.8384% | 151 |
| Net charge-offs to loans | 0.9355% | 1,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.6067% | 4,189 |
| Efficiency ratio | 71.3914% | 3,535 |
| Assets per employee ($millions) | 6.8420% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0386% | 160 |
| Loan loss allowance to noncurrent loans | 54.6525% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 7.1606% | 539 |
| Noncurrent loans to loans | 9.2194% | 318 |
| Net loans and leases to total assets | 72.5584% | 1,464 |
| Net loans and leases to deposits | 78.3202% | 2,629 |
| Net loans and leases to core deposits | 83.3806% | 2,773 |
| Total domestic deposits to total assets | 92.6433% | 150 |
| Equity capital to assets | 6.9478% | 6,918 |
| Core capital (leverage) ratio | 6.8541% | 6,855 |
| Tier 1 risk-based capital ratio | 9.1879% | 6,960 |
| Total risk-based capital ratio | 10.4872% | 6,954 |
| Memoranda: | ||
| Average total assets | $318,958,670 | 2,030 |
| Average earning assets | $300,782,330 | 1,974 |
| Average equity | $20,932,330 | 3,116 |
| Average total loans | $248,415,670 | 1,672 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 4,132 |
| Cost of funding earning assets | 0.6537% | 4,695 |
| Net interest margin | 3.7930% | 3,421 |
| Noninterest income to average assets | 0.4958% | 3,935 |
| Noninterest expense to average assets | 2.8716% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2022% | 1,726 |
| Return on assets (ROA) | 1.2022% | 1,910 |
| Pretax return on assets | 1.2022% | 2,905 |
| Return on Equity (ROE) | 18.8615% | 470 |
| Retained earnings to average equity (ytd only) | 18.8615% | 220 |
| Net charge-offs to loans | 0.0365% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 41.9565% | 717 |
| Efficiency ratio | 70.4893% | 3,721 |
| Assets per employee ($millions) | 6.8544% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3056% | 134 |
| Loan loss allowance to noncurrent loans | 64.7803% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 6.6041% | 675 |
| Noncurrent loans to loans | 8.1901% | 462 |
| Net loans and leases to total assets | 75.0369% | 916 |
| Net loans and leases to deposits | 80.6906% | 2,100 |
| Net loans and leases to core deposits | 86.1811% | 2,271 |
| Total domestic deposits to total assets | 92.9934% | 144 |
| Equity capital to assets | 6.6330% | 6,990 |
| Core capital (leverage) ratio | 6.4493% | 6,976 |
| Tier 1 risk-based capital ratio | 8.6415% | 7,068 |
| Total risk-based capital ratio | 9.9444% | 7,066 |
| Memoranda: | ||
| Average total assets | $321,071,000 | 2,022 |
| Average earning assets | $302,875,000 | 1,967 |
| Average equity | $20,465,000 | 3,167 |
| Average total loans | $252,382,000 | 1,641 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 4,382 |
| Cost of funding earning assets | 0.8187% | 4,714 |
| Net interest margin | 3.8490% | 3,575 |
| Noninterest income to average assets | 0.3145% | 5,294 |
| Noninterest expense to average assets | 2.7863% | 4,397 |
| Loan and lease loss provision to assets | 2.1862% | 238 |
| Net operating income to assets | -1.8028% | 6,987 |
| Return on assets (ROA) | -1.8028% | 7,006 |
| Pretax return on assets | -1.2920% | 6,839 |
| Return on Equity (ROE) | -23.6484% | 7,036 |
| Retained earnings to average equity (ytd only) | -23.6484% | 7,023 |
| Net charge-offs to loans | 0.3850% | 3,486 |
| Credit loss provision to net charge-offs | 746.9806% | 294 |
| Earnings coverage of net charge-offs (x) | 3.0553% | 3,681 |
| Efficiency ratio | 75.7041% | 2,933 |
| Assets per employee ($millions) | 7.4282% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2092% | 157 |
| Loan loss allowance to noncurrent loans | 52.5422% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 7.8898% | 522 |
| Noncurrent loans to loans | 9.9143% | 324 |
| Net loans and leases to total assets | 73.9310% | 1,283 |
| Net loans and leases to deposits | 79.0787% | 2,673 |
| Net loans and leases to core deposits | 87.7716% | 2,400 |
| Total domestic deposits to total assets | 93.4904% | 113 |
| Equity capital to assets | 6.1241% | 7,084 |
| Core capital (leverage) ratio | 5.5572% | 7,094 |
| Tier 1 risk-based capital ratio | 7.4849% | 7,133 |
| Total risk-based capital ratio | 8.7874% | 7,135 |
| Memoranda: | ||
| Average total assets | $333,815,000 | 1,938 |
| Average earning assets | $291,918,400 | 2,006 |
| Average equity | $25,447,800 | 2,531 |
| Average total loans | $253,771,800 | 1,654 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 4,203 |
| Cost of funding earning assets | 0.8609% | 4,702 |
| Net interest margin | 3.8953% | 3,403 |
| Noninterest income to average assets | 0.3592% | 4,996 |
| Noninterest expense to average assets | 2.5382% | 5,321 |
| Loan and lease loss provision to assets | 0.2980% | 3,144 |
| Net operating income to assets | 0.5324% | 4,395 |
| Return on assets (ROA) | 0.5324% | 4,584 |
| Pretax return on assets | 0.8634% | 3,901 |
| Return on Equity (ROE) | 6.6651% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.6651% | 2,155 |
| Net charge-offs to loans | -0.1562% | 7,231 |
| Credit loss provision to net charge-offs | -252.5253% | 6,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6070% | 4,195 |
| Assets per employee ($millions) | 6.9483% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2446% | 692 |
| Loan loss allowance to noncurrent loans | 40.9547% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 6.2762% | 835 |
| Noncurrent loans to loans | 7.9223% | 556 |
| Net loans and leases to total assets | 74.6867% | 1,199 |
| Net loans and leases to deposits | 81.9310% | 2,369 |
| Net loans and leases to core deposits | 92.9065% | 1,896 |
| Total domestic deposits to total assets | 91.1580% | 388 |
| Equity capital to assets | 8.5876% | 6,214 |
| Core capital (leverage) ratio | 8.4031% | 5,847 |
| Tier 1 risk-based capital ratio | 10.9473% | 6,573 |
| Total risk-based capital ratio | 12.2223% | 6,535 |
| Memoranda: | ||
| Average total assets | $335,558,750 | 1,932 |
| Average earning assets | $287,761,500 | 2,045 |
| Average equity | $26,805,750 | 2,412 |
| Average total loans | $253,486,000 | 1,664 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 3,673 |
| Cost of funding earning assets | 0.8910% | 4,750 |
| Net interest margin | 3.9984% | 2,845 |
| Noninterest income to average assets | 0.4377% | 4,362 |
| Noninterest expense to average assets | 2.4825% | 5,606 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7892% | 3,121 |
| Return on assets (ROA) | 0.7892% | 3,244 |
| Pretax return on assets | 1.2885% | 2,170 |
| Return on Equity (ROE) | 10.1159% | 2,087 |
| Retained earnings to average equity (ytd only) | 10.1159% | 821 |
| Net charge-offs to loans | -0.0985% | 7,163 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8316% | 4,906 |
| Assets per employee ($millions) | 7.4413% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9619% | 925 |
| Loan loss allowance to noncurrent loans | 34.9275% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 6.3137% | 861 |
| Noncurrent loans to loans | 8.4801% | 506 |
| Net loans and leases to total assets | 70.8851% | 2,029 |
| Net loans and leases to deposits | 77.7359% | 3,170 |
| Net loans and leases to core deposits | 91.2450% | 2,224 |
| Total domestic deposits to total assets | 91.1871% | 433 |
| Equity capital to assets | 8.3646% | 6,347 |
| Core capital (leverage) ratio | 8.0342% | 6,258 |
| Tier 1 risk-based capital ratio | 11.1723% | 6,398 |
| Total risk-based capital ratio | 12.4433% | 6,379 |
| Memoranda: | ||
| Average total assets | $340,871,000 | 1,915 |
| Average earning assets | $284,165,330 | 2,079 |
| Average equity | $26,591,670 | 2,413 |
| Average total loans | $255,741,330 | 1,675 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 4,588 |
| Cost of funding earning assets | 0.8668% | 5,158 |
| Net interest margin | 3.8177% | 3,523 |
| Noninterest income to average assets | 0.4603% | 4,183 |
| Noninterest expense to average assets | 2.5178% | 5,493 |
| Loan and lease loss provision to assets | 0.4028% | 2,181 |
| Net operating income to assets | 0.4764% | 4,591 |
| Return on assets (ROA) | 0.4764% | 4,671 |
| Pretax return on assets | 0.7733% | 4,001 |
| Return on Equity (ROE) | 6.3221% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.3221% | 2,452 |
| Net charge-offs to loans | -0.0318% | 6,726 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1620% | 4,624 |
| Assets per employee ($millions) | 7.6929% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8940% | 1,013 |
| Loan loss allowance to noncurrent loans | 37.6851% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 5.7305% | 1,037 |
| Noncurrent loans to loans | 7.6795% | 671 |
| Net loans and leases to total assets | 71.0371% | 1,909 |
| Net loans and leases to deposits | 77.1763% | 3,220 |
| Net loans and leases to core deposits | 89.5008% | 2,407 |
| Total domestic deposits to total assets | 92.0452% | 270 |
| Equity capital to assets | 7.6131% | 6,802 |
| Core capital (leverage) ratio | 7.4021% | 6,789 |
| Tier 1 risk-based capital ratio | 9.9642% | 7,017 |
| Total risk-based capital ratio | 11.2346% | 7,007 |
| Memoranda: | ||
| Average total assets | $347,598,500 | 1,895 |
| Average earning assets | $294,416,500 | 2,029 |
| Average equity | $26,194,000 | 2,436 |
| Average total loans | $264,025,500 | 1,647 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 5,960 |
| Cost of funding earning assets | 1.0339% | 5,516 |
| Net interest margin | 3.6134% | 4,753 |
| Noninterest income to average assets | 0.7501% | 2,543 |
| Noninterest expense to average assets | 2.5929% | 5,450 |
| Loan and lease loss provision to assets | 3.3461% | 250 |
| Net operating income to assets | -1.2558% | 6,809 |
| Return on assets (ROA) | -1.2556% | 6,833 |
| Pretax return on assets | -1.9936% | 7,028 |
| Return on Equity (ROE) | -15.2773% | 6,923 |
| Retained earnings to average equity (ytd only) | -15.2773% | 6,887 |
| Net charge-offs to loans | 4.2704% | 271 |
| Credit loss provision to net charge-offs | 96.9430% | 4,790 |
| Earnings coverage of net charge-offs (x) | 0.3918% | 5,715 |
| Efficiency ratio | 65.7256% | 5,023 |
| Assets per employee ($millions) | 7.4259% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5320% | 1,374 |
| Loan loss allowance to noncurrent loans | 35.2500% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 6.0917% | 967 |
| Noncurrent loans to loans | 7.1829% | 770 |
| Net loans and leases to total assets | 76.7435% | 1,136 |
| Net loans and leases to deposits | 83.2793% | 2,571 |
| Net loans and leases to core deposits | 97.1037% | 1,879 |
| Total domestic deposits to total assets | 92.1519% | 252 |
| Equity capital to assets | 7.4590% | 6,904 |
| Core capital (leverage) ratio | 6.8646% | 7,082 |
| Tier 1 risk-based capital ratio | 9.0356% | 7,239 |
| Total risk-based capital ratio | 10.3013% | 7,242 |
| Memoranda: | ||
| Average total assets | $358,242,400 | 1,824 |
| Average earning assets | $316,762,800 | 1,877 |
| Average equity | $29,442,400 | 2,217 |
| Average total loans | $289,553,600 | 1,545 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 6,295 |
| Cost of funding earning assets | 1.0663% | 5,615 |
| Net interest margin | 3.5483% | 5,113 |
| Noninterest income to average assets | 0.8121% | 2,170 |
| Noninterest expense to average assets | 2.5106% | 5,677 |
| Loan and lease loss provision to assets | 2.7587% | 347 |
| Net operating income to assets | -0.8685% | 6,826 |
| Return on assets (ROA) | -0.8683% | 6,869 |
| Pretax return on assets | -1.3139% | 6,984 |
| Return on Equity (ROE) | -10.3338% | 6,944 |
| Retained earnings to average equity (ytd only) | -10.3338% | 6,895 |
| Net charge-offs to loans | 2.1388% | 861 |
| Credit loss provision to net charge-offs | 158.5884% | 2,401 |
| Earnings coverage of net charge-offs (x) | 0.8304% | 5,225 |
| Efficiency ratio | 63.4783% | 5,345 |
| Assets per employee ($millions) | 7.7416% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4844% | 546 |
| Loan loss allowance to noncurrent loans | 30.8690% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 9.6450% | 435 |
| Noncurrent loans to loans | 11.2878% | 329 |
| Net loans and leases to total assets | 76.8266% | 1,255 |
| Net loans and leases to deposits | 83.6367% | 2,767 |
| Net loans and leases to core deposits | 100.4351% | 1,813 |
| Total domestic deposits to total assets | 91.8575% | 215 |
| Equity capital to assets | 7.8215% | 6,918 |
| Core capital (leverage) ratio | 7.5430% | 6,820 |
| Tier 1 risk-based capital ratio | 10.1661% | 6,974 |
| Total risk-based capital ratio | 11.4482% | 6,936 |
| Memoranda: | ||
| Average total assets | $360,549,000 | 1,838 |
| Average earning assets | $319,353,750 | 1,888 |
| Average equity | $30,294,750 | 2,177 |
| Average total loans | $293,240,750 | 1,546 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 6,470 |
| Cost of funding earning assets | 1.0970% | 5,689 |
| Net interest margin | 3.4986% | 5,248 |
| Noninterest income to average assets | 0.7962% | 2,136 |
| Noninterest expense to average assets | 2.5005% | 5,717 |
| Loan and lease loss provision to assets | 0.9236% | 1,581 |
| Net operating income to assets | 0.3046% | 5,163 |
| Return on assets (ROA) | 0.3049% | 5,319 |
| Pretax return on assets | 0.4835% | 4,951 |
| Return on Equity (ROE) | 3.5462% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.5462% | 3,845 |
| Net charge-offs to loans | 1.1554% | 1,640 |
| Credit loss provision to net charge-offs | 97.5897% | 4,194 |
| Earnings coverage of net charge-offs (x) | 1.4862% | 4,368 |
| Efficiency ratio | 63.9989% | 5,337 |
| Assets per employee ($millions) | 7.7382% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5029% | 1,296 |
| Loan loss allowance to noncurrent loans | 21.8132% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 9.7898% | 427 |
| Noncurrent loans to loans | 11.4742% | 330 |
| Net loans and leases to total assets | 78.1331% | 1,090 |
| Net loans and leases to deposits | 85.8028% | 2,540 |
| Net loans and leases to core deposits | 107.7823% | 1,313 |
| Total domestic deposits to total assets | 91.0612% | 462 |
| Equity capital to assets | 8.5874% | 6,036 |
| Core capital (leverage) ratio | 8.3321% | 5,703 |
| Tier 1 risk-based capital ratio | 11.3078% | 5,937 |
| Total risk-based capital ratio | 12.5751% | 5,905 |
| Memoranda: | ||
| Average total assets | $359,446,330 | 1,860 |
| Average earning assets | $319,612,000 | 1,900 |
| Average equity | $30,906,670 | 2,133 |
| Average total loans | $294,444,000 | 1,549 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 6,845 |
| Cost of funding earning assets | 1.1178% | 5,815 |
| Net interest margin | 3.3558% | 5,765 |
| Noninterest income to average assets | 0.8071% | 1,983 |
| Noninterest expense to average assets | 2.5803% | 5,434 |
| Loan and lease loss provision to assets | 0.8508% | 1,494 |
| Net operating income to assets | 0.2467% | 5,509 |
| Return on assets (ROA) | 0.2474% | 5,625 |
| Pretax return on assets | 0.3884% | 5,332 |
| Return on Equity (ROE) | 2.8754% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.8754% | 4,405 |
| Net charge-offs to loans | 0.4690% | 2,640 |
| Credit loss provision to net charge-offs | 219.0202% | 1,718 |
| Earnings coverage of net charge-offs (x) | 3.1873% | 2,990 |
| Efficiency ratio | 67.5755% | 4,809 |
| Assets per employee ($millions) | 6.6773% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6219% | 1,153 |
| Loan loss allowance to noncurrent loans | 22.5425% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 9.7904% | 415 |
| Noncurrent loans to loans | 11.6311% | 312 |
| Net loans and leases to total assets | 81.3220% | 669 |
| Net loans and leases to deposits | 89.3926% | 2,004 |
| Net loans and leases to core deposits | 117.6031% | 886 |
| Total domestic deposits to total assets | 90.9717% | 560 |
| Equity capital to assets | 8.7079% | 5,717 |
| Core capital (leverage) ratio | 8.6464% | 5,123 |
| Tier 1 risk-based capital ratio | 11.1505% | 6,006 |
| Total risk-based capital ratio | 12.4201% | 5,951 |
| Memoranda: | ||
| Average total assets | $357,321,500 | 1,920 |
| Average earning assets | $320,637,500 | 1,942 |
| Average equity | $30,744,000 | 2,165 |
| Average total loans | $295,935,000 | 1,593 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4958% | 4,164 |
| Cost of funding earning assets | 1.6864% | 4,583 |
| Net interest margin | 3.8094% | 3,663 |
| Noninterest income to average assets | 0.8864% | 1,999 |
| Noninterest expense to average assets | 2.5748% | 5,888 |
| Loan and lease loss provision to assets | 1.8200% | 1,236 |
| Net operating income to assets | 0.0694% | 5,294 |
| Return on assets (ROA) | 0.0907% | 5,274 |
| Pretax return on assets | -0.0477% | 5,518 |
| Return on Equity (ROE) | 1.0867% | 5,210 |
| Retained earnings to average equity (ytd only) | 1.0867% | 4,282 |
| Net charge-offs to loans | 4.2141% | 369 |
| Credit loss provision to net charge-offs | 51.4631% | 6,727 |
| Earnings coverage of net charge-offs (x) | 0.4917% | 5,618 |
| Efficiency ratio | 59.6887% | 6,531 |
| Assets per employee ($millions) | 6.8065% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4757% | 1,264 |
| Loan loss allowance to noncurrent loans | 20.6143% | 7,034 |
| Noncurrent assets plus other real estate owned to assets | 10.0001% | 370 |
| Noncurrent loans to loans | 12.0094% | 279 |
| Net loans and leases to total assets | 80.1087% | 975 |
| Net loans and leases to deposits | 93.9854% | 1,598 |
| Net loans and leases to core deposits | 129.4011% | 1,314 |
| Total domestic deposits to total assets | 85.2353% | 3,441 |
| Equity capital to assets | 8.5021% | 5,875 |
| Core capital (leverage) ratio | 8.3502% | 5,535 |
| Tier 1 risk-based capital ratio | 11.0577% | 5,867 |
| Total risk-based capital ratio | 12.3251% | 5,811 |
| Memoranda: | ||
| Average total assets | $360,448,600 | 1,884 |
| Average earning assets | $324,301,600 | 1,918 |
| Average equity | $30,091,400 | 2,222 |
| Average total loans | $302,482,000 | 1,588 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5524% | 4,141 |
| Cost of funding earning assets | 1.7970% | 4,397 |
| Net interest margin | 3.7555% | 3,836 |
| Noninterest income to average assets | 0.9538% | 1,765 |
| Noninterest expense to average assets | 2.4881% | 6,108 |
| Loan and lease loss provision to assets | 1.5576% | 1,222 |
| Net operating income to assets | 0.3496% | 4,600 |
| Return on assets (ROA) | 0.3940% | 4,520 |
| Pretax return on assets | 0.3322% | 4,974 |
| Return on Equity (ROE) | 4.7417% | 4,063 |
| Retained earnings to average equity (ytd only) | 4.7417% | 2,634 |
| Net charge-offs to loans | 5.3762% | 186 |
| Credit loss provision to net charge-offs | 34.3421% | 6,476 |
| Earnings coverage of net charge-offs (x) | 0.4069% | 5,624 |
| Efficiency ratio | 57.4148% | 6,803 |
| Assets per employee ($millions) | 6.9590% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 2,180 |
| Loan loss allowance to noncurrent loans | 32.9065% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 4.6588% | 1,292 |
| Noncurrent loans to loans | 5.5829% | 1,116 |
| Net loans and leases to total assets | 79.3030% | 1,325 |
| Net loans and leases to deposits | 87.0659% | 3,134 |
| Net loans and leases to core deposits | 124.1926% | 1,884 |
| Total domestic deposits to total assets | 91.0839% | 387 |
| Equity capital to assets | 8.5124% | 6,235 |
| Core capital (leverage) ratio | 8.3371% | 5,770 |
| Tier 1 risk-based capital ratio | 10.7617% | 6,201 |
| Total risk-based capital ratio | 12.0196% | 6,156 |
| Memoranda: | ||
| Average total assets | $360,374,250 | 1,902 |
| Average earning assets | $324,317,750 | 1,936 |
| Average equity | $29,946,500 | 2,259 |
| Average total loans | $304,021,250 | 1,595 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6156% | 3,994 |
| Cost of funding earning assets | 1.8665% | 4,437 |
| Net interest margin | 3.7491% | 3,757 |
| Noninterest income to average assets | 1.0516% | 1,429 |
| Noninterest expense to average assets | 2.4790% | 6,184 |
| Loan and lease loss provision to assets | 0.6712% | 2,424 |
| Net operating income to assets | 0.7907% | 2,887 |
| Return on assets (ROA) | 0.7932% | 2,972 |
| Pretax return on assets | 1.3005% | 2,026 |
| Return on Equity (ROE) | 9.6255% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.6255% | 797 |
| Net charge-offs to loans | 0.3980% | 3,209 |
| Credit loss provision to net charge-offs | 197.0443% | 2,317 |
| Earnings coverage of net charge-offs (x) | 5.7767% | 2,763 |
| Efficiency ratio | 55.7484% | 7,140 |
| Assets per employee ($millions) | 7.3335% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5085% | 173 |
| Loan loss allowance to noncurrent loans | 78.6295% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 4.9061% | 1,100 |
| Noncurrent loans to loans | 5.7339% | 978 |
| Net loans and leases to total assets | 78.3906% | 1,664 |
| Net loans and leases to deposits | 85.7952% | 3,582 |
| Net loans and leases to core deposits | 112.5842% | 3,065 |
| Total domestic deposits to total assets | 91.3694% | 351 |
| Equity capital to assets | 8.1334% | 6,592 |
| Core capital (leverage) ratio | 8.7228% | 5,055 |
| Tier 1 risk-based capital ratio | 10.5074% | 6,375 |
| Total risk-based capital ratio | 11.8018% | 6,281 |
| Memoranda: | ||
| Average total assets | $357,556,670 | 1,941 |
| Average earning assets | $323,814,670 | 1,959 |
| Average equity | $29,463,330 | 2,308 |
| Average total loans | $306,040,000 | 1,615 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 4,396 |
| Cost of funding earning assets | 1.9737% | 4,272 |
| Net interest margin | 3.6203% | 4,239 |
| Noninterest income to average assets | 0.9663% | 1,585 |
| Noninterest expense to average assets | 2.4567% | 6,003 |
| Loan and lease loss provision to assets | 0.3472% | 3,244 |
| Net operating income to assets | 0.9200% | 2,616 |
| Return on assets (ROA) | 0.9200% | 2,759 |
| Pretax return on assets | 1.5182% | 1,619 |
| Return on Equity (ROE) | 11.0852% | 1,943 |
| Retained earnings to average equity (ytd only) | 11.0852% | 953 |
| Net charge-offs to loans | 0.4112% | 2,456 |
| Credit loss provision to net charge-offs | 96.4630% | 3,868 |
| Earnings coverage of net charge-offs (x) | 5.1833% | 2,728 |
| Efficiency ratio | 56.8407% | 6,853 |
| Assets per employee ($millions) | 7.0389% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3714% | 158 |
| Loan loss allowance to noncurrent loans | 75.3177% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 5.1483% | 864 |
| Noncurrent loans to loans | 5.8040% | 844 |
| Net loans and leases to total assets | 83.9867% | 691 |
| Net loans and leases to deposits | 94.5461% | 2,183 |
| Net loans and leases to core deposits | 116.7106% | 2,719 |
| Total domestic deposits to total assets | 88.8315% | 1,316 |
| Equity capital to assets | 8.2394% | 6,482 |
| Core capital (leverage) ratio | 8.4404% | 5,642 |
| Tier 1 risk-based capital ratio | 9.9054% | 7,034 |
| Total risk-based capital ratio | 11.1980% | 6,889 |
| Memoranda: | ||
| Average total assets | $345,663,500 | 2,008 |
| Average earning assets | $320,412,000 | 1,980 |
| Average equity | $28,687,000 | 2,371 |
| Average total loans | $302,534,500 | 1,655 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4220% | 3,309 |
| Cost of funding earning assets | 2.4263% | 4,598 |
| Net interest margin | 3.9956% | 3,136 |
| Noninterest income to average assets | 0.6836% | 3,225 |
| Noninterest expense to average assets | 2.4261% | 6,311 |
| Loan and lease loss provision to assets | 3.1070% | 288 |
| Net operating income to assets | -0.7170% | 7,076 |
| Return on assets (ROA) | -0.7022% | 6,969 |
| Pretax return on assets | -1.0906% | 7,053 |
| Return on Equity (ROE) | -7.5127% | 7,091 |
| Retained earnings to average equity (ytd only) | -7.5127% | 6,835 |
| Net charge-offs to loans | 0.5473% | 2,183 |
| Credit loss provision to net charge-offs | 663.8436% | 642 |
| Earnings coverage of net charge-offs (x) | 4.2586% | 4,053 |
| Efficiency ratio | 54.8986% | 7,164 |
| Assets per employee ($millions) | 6.6546% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5690% | 130 |
| Loan loss allowance to noncurrent loans | 73.3670% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 5.4838% | 594 |
| Noncurrent loans to loans | 6.2276% | 540 |
| Net loans and leases to total assets | 83.2240% | 1,009 |
| Net loans and leases to deposits | 91.3377% | 3,239 |
| Net loans and leases to core deposits | 110.9946% | 3,686 |
| Total domestic deposits to total assets | 91.1168% | 296 |
| Equity capital to assets | 8.3611% | 6,325 |
| Core capital (leverage) ratio | 8.2785% | 5,997 |
| Tier 1 risk-based capital ratio | 9.9256% | 6,816 |
| Total risk-based capital ratio | 11.2200% | 6,652 |
| Memoranda: | ||
| Average total assets | $327,972,600 | 2,035 |
| Average earning assets | $306,635,200 | 1,992 |
| Average equity | $30,654,800 | 2,199 |
| Average total loans | $280,451,400 | 1,719 |