Home > E*TRADE Savings Bank > Performance and Condition Ratios
E*TRADE Savings Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5906% | 4,742 |
| Cost of funding earning assets | 0.0132% | 4,789 |
| Net interest margin | 1.5774% | 4,715 |
| Noninterest income to average assets | 0.1900% | 4,216 |
| Noninterest expense to average assets | 1.2996% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0842% | 4,631 |
| Return on assets (ROA) | 0.0857% | 4,641 |
| Pretax return on assets | 0.1775% | 4,586 |
| Return on Equity (ROE) | 0.4314% | 4,666 |
| Retained earnings to average equity (ytd only) | 0.4314% | 4,391 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4461% | 778 |
| Assets per employee ($millions) | 2,443.2470% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 16.9985% | 4,741 |
| Net loans and leases to deposits | 21.0856% | 4,735 |
| Net loans and leases to core deposits | 21.1858% | 4,734 |
| Total domestic deposits to total assets | 80.6166% | 4,153 |
| Equity capital to assets | 19.0259% | 214 |
| Core capital (leverage) ratio | 17.0226% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 104.6104% | 28 |
| Memoranda: | ||
| Average total assets | $9,324,599,000 | 171 |
| Average earning assets | $7,597,508,200 | 178 |
| Average equity | $1,851,927,400 | 120 |
| Average total loans | $1,143,245,800 | 582 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5564% | 4,825 |
| Cost of funding earning assets | 0.0133% | 4,869 |
| Net interest margin | 1.5432% | 4,799 |
| Noninterest income to average assets | 0.2564% | 3,862 |
| Noninterest expense to average assets | 1.4698% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0224% | 4,751 |
| Return on assets (ROA) | -0.0205% | 4,760 |
| Pretax return on assets | 0.0490% | 4,739 |
| Return on Equity (ROE) | -0.1019% | 4,759 |
| Retained earnings to average equity (ytd only) | -0.1019% | 4,573 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8889% | 403 |
| Assets per employee ($millions) | 1,640.8613% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 14.2117% | 4,833 |
| Net loans and leases to deposits | 17.5620% | 4,832 |
| Net loans and leases to core deposits | 358.0354% | 16 |
| Total domestic deposits to total assets | 80.9227% | 4,107 |
| Equity capital to assets | 18.8135% | 234 |
| Core capital (leverage) ratio | 16.7864% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 99.7558% | 28 |
| Memoranda: | ||
| Average total assets | $9,212,501,750 | 174 |
| Average earning assets | $7,521,650,750 | 177 |
| Average equity | $1,850,060,500 | 119 |
| Average total loans | $1,013,742,750 | 663 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5259% | 4,867 |
| Cost of funding earning assets | 0.0134% | 4,908 |
| Net interest margin | 1.5126% | 4,840 |
| Noninterest income to average assets | 0.3345% | 3,424 |
| Noninterest expense to average assets | 1.6531% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0572% | 4,786 |
| Return on assets (ROA) | -0.0542% | 4,796 |
| Pretax return on assets | -0.0777% | 4,800 |
| Return on Equity (ROE) | -0.2637% | 4,792 |
| Retained earnings to average equity (ytd only) | -0.2637% | 4,545 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3141% | 335 |
| Assets per employee ($millions) | 98.3295% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 11.7141% | 4,887 |
| Net loans and leases to deposits | 14.4507% | 4,886 |
| Net loans and leases to core deposits | 272.2168% | 22 |
| Total domestic deposits to total assets | 81.0625% | 4,083 |
| Equity capital to assets | 18.8182% | 236 |
| Core capital (leverage) ratio | 16.2331% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 113.4093% | 28 |
| Memoranda: | ||
| Average total assets | $9,001,613,000 | 173 |
| Average earning assets | $7,362,225,000 | 180 |
| Average equity | $1,849,341,333 | 118 |
| Average total loans | $885,269,333 | 750 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4474% | 4,906 |
| Cost of funding earning assets | 0.0131% | 4,941 |
| Net interest margin | 1.4343% | 4,884 |
| Noninterest income to average assets | 0.3363% | 3,421 |
| Noninterest expense to average assets | 1.9169% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.3166% | 4,865 |
| Return on assets (ROA) | -0.3103% | 4,869 |
| Pretax return on assets | -0.4035% | 4,877 |
| Return on Equity (ROE) | -1.4409% | 4,844 |
| Retained earnings to average equity (ytd only) | -1.4409% | 4,505 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7823% | 273 |
| Assets per employee ($millions) | 96.9884% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 4,347 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 8.4321% | 4,927 |
| Net loans and leases to deposits | 10.3690% | 4,927 |
| Net loans and leases to core deposits | 210.5955% | 32 |
| Total domestic deposits to total assets | 81.3197% | 4,009 |
| Equity capital to assets | 18.4800% | 242 |
| Core capital (leverage) ratio | 19.0811% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 109.2953% | 30 |
| Memoranda: | ||
| Average total assets | $8,585,946,000 | 175 |
| Average earning assets | $6,998,569,000 | 188 |
| Average equity | $1,848,819,500 | 118 |
| Average total loans | $751,984,500 | 849 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3115% | 4,988 |
| Cost of funding earning assets | 0.0043% | 4,986 |
| Net interest margin | 0.3072% | 4,985 |
| Noninterest income to average assets | 0.1342% | 4,613 |
| Noninterest expense to average assets | 0.5023% | 4,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.1107% | 4,791 |
| Return on assets (ROA) | -0.1518% | 4,819 |
| Pretax return on assets | -0.1957% | 4,821 |
| Return on Equity (ROE) | -0.4328% | 4,792 |
| Retained earnings to average equity (ytd only) | -0.4328% | 4,583 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.1571% | 51 |
| Assets per employee ($millions) | 67.1223% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 4,398 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 9.2121% | 4,944 |
| Net loans and leases to deposits | 12.4231% | 4,945 |
| Net loans and leases to core deposits | 181.1723% | 54 |
| Total domestic deposits to total assets | 74.1530% | 4,629 |
| Equity capital to assets | 25.7798% | 89 |
| Core capital (leverage) ratio | 25.5098% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.1762% | 33 |
| Memoranda: | ||
| Average total assets | $5,061,811,200 | 249 |
| Average earning assets | $3,699,080,000 | 286 |
| Average equity | $1,775,728,200 | 117 |
| Average total loans | $405,500,400 | 1,340 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2038% | 4,949 |
| Cost of funding earning assets | 0.0235% | 5,005 |
| Net interest margin | 2.1803% | 4,825 |
| Noninterest income to average assets | 0.7832% | 1,566 |
| Noninterest expense to average assets | 2.0679% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1354% | 4,665 |
| Return on assets (ROA) | 0.6745% | 3,656 |
| Pretax return on assets | 0.9128% | 3,345 |
| Return on Equity (ROE) | 1.7400% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.7400% | 4,015 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8298% | 812 |
| Assets per employee ($millions) | 44.9485% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,986 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,431 |
| Noncurrent loans to loans | 0.1095% | 3,929 |
| Net loans and leases to total assets | 11.4512% | 4,970 |
| Net loans and leases to deposits | 18.3450% | 4,958 |
| Net loans and leases to core deposits | 174.4114% | 60 |
| Total domestic deposits to total assets | 62.4213% | 4,909 |
| Equity capital to assets | 36.9467% | 45 |
| Core capital (leverage) ratio | 33.5126% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 146.2367% | 23 |
| Memoranda: | ||
| Average total assets | $4,531,741,750 | 261 |
| Average earning assets | $3,148,787,250 | 305 |
| Average equity | $1,756,778,500 | 116 |
| Average total loans | $341,469,750 | 1,521 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3414% | 4,990 |
| Cost of funding earning assets | 0.0281% | 5,040 |
| Net interest margin | 2.3133% | 4,832 |
| Noninterest income to average assets | 0.8986% | 1,174 |
| Noninterest expense to average assets | 2.1320% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2199% | 4,546 |
| Return on assets (ROA) | 1.0792% | 2,162 |
| Pretax return on assets | 1.4563% | 1,568 |
| Return on Equity (ROE) | 2.7375% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.7375% | 3,483 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5630% | 1,214 |
| Assets per employee ($millions) | 45.1872% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,020 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,509 |
| Noncurrent loans to loans | 0.1799% | 3,728 |
| Net loans and leases to total assets | 6.9989% | 5,023 |
| Net loans and leases to deposits | 11.4608% | 5,020 |
| Net loans and leases to core deposits | 89.7062% | 2,091 |
| Total domestic deposits to total assets | 61.0679% | 4,956 |
| Equity capital to assets | 37.0955% | 45 |
| Core capital (leverage) ratio | 35.6293% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 123.3686% | 28 |
| Memoranda: | ||
| Average total assets | $4,439,160,667 | 261 |
| Average earning assets | $3,074,034,333 | 308 |
| Average equity | $1,750,055,333 | 117 |
| Average total loans | $271,711,667 | 1,786 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6599% | 5,024 |
| Cost of funding earning assets | 0.0448% | 5,085 |
| Net interest margin | 2.6151% | 4,741 |
| Noninterest income to average assets | 1.1898% | 618 |
| Noninterest expense to average assets | 2.1675% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5993% | 3,595 |
| Return on assets (ROA) | 0.8610% | 2,759 |
| Pretax return on assets | 1.1642% | 2,325 |
| Return on Equity (ROE) | 2.1139% | 4,421 |
| Retained earnings to average equity (ytd only) | 2.1139% | 3,402 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5479% | 3,142 |
| Assets per employee ($millions) | 41.6153% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,068 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,580 |
| Noncurrent loans to loans | 0.2370% | 3,636 |
| Net loans and leases to total assets | 5.6080% | 5,073 |
| Net loans and leases to deposits | 9.2097% | 5,071 |
| Net loans and leases to core deposits | 74.2892% | 3,616 |
| Total domestic deposits to total assets | 60.8925% | 5,018 |
| Equity capital to assets | 38.5865% | 51 |
| Core capital (leverage) ratio | 38.4790% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 200.3831% | 18 |
| Memoranda: | ||
| Average total assets | $4,263,821,000 | 263 |
| Average earning assets | $2,952,278,500 | 307 |
| Average equity | $1,736,675,000 | 119 |
| Average total loans | $239,950,500 | 1,926 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8299% | 5,088 |
| Cost of funding earning assets | 0.2592% | 4,827 |
| Net interest margin | 2.5707% | 4,931 |
| Noninterest income to average assets | 1.3916% | 493 |
| Noninterest expense to average assets | 2.1637% | 4,235 |
| Loan and lease loss provision to assets | -0.0057% | 4,922 |
| Net operating income to assets | 0.7279% | 3,773 |
| Return on assets (ROA) | 0.2652% | 4,808 |
| Pretax return on assets | 0.4104% | 4,693 |
| Return on Equity (ROE) | 0.7162% | 4,947 |
| Retained earnings to average equity (ytd only) | 0.7162% | 4,487 |
| Net charge-offs to loans | 0.0064% | 3,448 |
| Credit loss provision to net charge-offs | -1,523.5294% | 4,582 |
| Earnings coverage of net charge-offs (x) | 2,653.9412% | 21 |
| Efficiency ratio | 62.2925% | 3,327 |
| Assets per employee ($millions) | 35.9601% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,585 |
| Noncurrent loans to loans | 0.2674% | 3,488 |
| Net loans and leases to total assets | 5.6498% | 5,135 |
| Net loans and leases to deposits | 10.0057% | 5,129 |
| Net loans and leases to core deposits | 72.2385% | 3,846 |
| Total domestic deposits to total assets | 56.4663% | 5,103 |
| Equity capital to assets | 43.1669% | 42 |
| Core capital (leverage) ratio | 40.7240% | 51 |
| Tier 1 risk-based capital ratio | 224.6929% | 26 |
| Total risk-based capital ratio | 224.6929% | 26 |
| Memoranda: | ||
| Average total assets | $4,555,531,600 | 245 |
| Average earning assets | $3,123,249,200 | 290 |
| Average equity | $1,687,062,600 | 117 |
| Average total loans | $265,797,200 | 1,751 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8557% | 5,177 |
| Cost of funding earning assets | 0.3183% | 4,753 |
| Net interest margin | 2.5374% | 5,043 |
| Noninterest income to average assets | 1.3787% | 485 |
| Noninterest expense to average assets | 2.1468% | 4,282 |
| Loan and lease loss provision to assets | -0.0060% | 5,047 |
| Net operating income to assets | 0.7708% | 3,769 |
| Return on assets (ROA) | 0.1649% | 4,989 |
| Pretax return on assets | 0.2101% | 4,981 |
| Return on Equity (ROE) | 0.4615% | 5,056 |
| Retained earnings to average equity (ytd only) | 0.4615% | 4,674 |
| Net charge-offs to loans | 0.0082% | 3,078 |
| Credit loss provision to net charge-offs | -1,241.1765% | 4,451 |
| Earnings coverage of net charge-offs (x) | 2,011.6537% | 36 |
| Efficiency ratio | 62.6663% | 3,218 |
| Assets per employee ($millions) | 30.0918% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0217% | 5,201 |
| Loan loss allowance to noncurrent loans | 3.0476% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 4,507 |
| Noncurrent loans to loans | 0.7133% | 2,180 |
| Net loans and leases to total assets | 5.7768% | 5,214 |
| Net loans and leases to deposits | 10.5859% | 5,207 |
| Net loans and leases to core deposits | 82.2311% | 3,234 |
| Total domestic deposits to total assets | 54.5705% | 5,189 |
| Equity capital to assets | 45.0811% | 44 |
| Core capital (leverage) ratio | 41.9179% | 47 |
| Tier 1 risk-based capital ratio | 212.9514% | 25 |
| Total risk-based capital ratio | 212.9583% | 25 |
| Memoranda: | ||
| Average total assets | $4,696,520,750 | 243 |
| Average earning assets | $3,218,770,000 | 288 |
| Average equity | $1,678,068,250 | 118 |
| Average total loans | $275,867,250 | 1,723 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8890% | 5,232 |
| Cost of funding earning assets | 0.3991% | 4,513 |
| Net interest margin | 2.4899% | 5,131 |
| Noninterest income to average assets | 1.3107% | 512 |
| Noninterest expense to average assets | 2.1707% | 4,298 |
| Loan and lease loss provision to assets | 0.0014% | 3,674 |
| Net operating income to assets | 0.6562% | 4,144 |
| Return on assets (ROA) | -0.2040% | 5,152 |
| Pretax return on assets | -0.2717% | 5,162 |
| Return on Equity (ROE) | -0.6119% | 5,130 |
| Retained earnings to average equity (ytd only) | -0.6119% | 4,776 |
| Net charge-offs to loans | 0.0387% | 2,111 |
| Credit loss provision to net charge-offs | 59.6491% | 2,405 |
| Earnings coverage of net charge-offs (x) | 358.1228% | 218 |
| Efficiency ratio | 66.5401% | 2,744 |
| Assets per employee ($millions) | 28.1548% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0832% | 5,237 |
| Loan loss allowance to noncurrent loans | 12.1401% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 4,477 |
| Noncurrent loans to loans | 0.6856% | 2,263 |
| Net loans and leases to total assets | 8.2343% | 5,256 |
| Net loans and leases to deposits | 15.4126% | 5,240 |
| Net loans and leases to core deposits | 123.0372% | 456 |
| Total domestic deposits to total assets | 53.4259% | 5,241 |
| Equity capital to assets | 46.3397% | 40 |
| Core capital (leverage) ratio | 27.3350% | 95 |
| Tier 1 risk-based capital ratio | 233.0636% | 21 |
| Total risk-based capital ratio | 233.1040% | 21 |
| Memoranda: | ||
| Average total assets | $4,988,140,330 | 230 |
| Average earning assets | $3,362,503,000 | 282 |
| Average equity | $1,663,142,000 | 119 |
| Average total loans | $294,217,330 | 1,642 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6613% | 5,323 |
| Cost of funding earning assets | 0.3671% | 4,616 |
| Net interest margin | 2.2942% | 5,257 |
| Noninterest income to average assets | 1.2043% | 559 |
| Noninterest expense to average assets | 1.8068% | 4,911 |
| Loan and lease loss provision to assets | 0.0047% | 3,366 |
| Net operating income to assets | 0.7011% | 3,928 |
| Return on assets (ROA) | 0.7373% | 3,863 |
| Pretax return on assets | 0.9901% | 3,474 |
| Return on Equity (ROE) | 2.5344% | 4,887 |
| Retained earnings to average equity (ytd only) | 2.5344% | 3,912 |
| Net charge-offs to loans | 0.0429% | 1,660 |
| Credit loss provision to net charge-offs | 212.9032% | 1,017 |
| Earnings coverage of net charge-offs (x) | 431.4839% | 178 |
| Efficiency ratio | 59.7302% | 3,845 |
| Assets per employee ($millions) | 38.6245% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1105% | 5,299 |
| Loan loss allowance to noncurrent loans | 12.6320% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,618 |
| Noncurrent loans to loans | 0.8747% | 1,894 |
| Net loans and leases to total assets | 5.0202% | 5,325 |
| Net loans and leases to deposits | 7.1530% | 5,326 |
| Net loans and leases to core deposits | 100.5461% | 1,569 |
| Total domestic deposits to total assets | 70.1829% | 5,104 |
| Equity capital to assets | 29.6627% | 74 |
| Core capital (leverage) ratio | 27.0537% | 92 |
| Tier 1 risk-based capital ratio | 180.2348% | 25 |
| Total risk-based capital ratio | 180.2729% | 25 |
| Memoranda: | ||
| Average total assets | $5,638,069,500 | 210 |
| Average earning assets | $3,812,719,500 | 260 |
| Average equity | $1,640,144,500 | 119 |
| Average total loans | $289,347,000 | 1,666 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4396% | 5,348 |
| Cost of funding earning assets | 0.1663% | 5,128 |
| Net interest margin | 2.2733% | 5,290 |
| Noninterest income to average assets | 0.8549% | 1,300 |
| Noninterest expense to average assets | 1.8757% | 4,926 |
| Loan and lease loss provision to assets | -0.0077% | 5,100 |
| Net operating income to assets | 0.6490% | 4,289 |
| Return on assets (ROA) | 0.3830% | 4,884 |
| Pretax return on assets | 0.4983% | 4,801 |
| Return on Equity (ROE) | 1.4756% | 5,114 |
| Retained earnings to average equity (ytd only) | 1.4756% | 4,544 |
| Net charge-offs to loans | -0.0035% | 4,298 |
| Credit loss provision to net charge-offs | 1,904.5455% | 232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0241% | 2,872 |
| Assets per employee ($millions) | 29.4072% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0929% | 5,344 |
| Loan loss allowance to noncurrent loans | 13.0250% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,656 |
| Noncurrent loans to loans | 0.7129% | 2,207 |
| Net loans and leases to total assets | 5.2320% | 5,367 |
| Net loans and leases to deposits | 7.3384% | 5,369 |
| Net loans and leases to core deposits | 96.4079% | 2,023 |
| Total domestic deposits to total assets | 71.2964% | 5,112 |
| Equity capital to assets | 28.5259% | 76 |
| Core capital (leverage) ratio | 26.6338% | 90 |
| Tier 1 risk-based capital ratio | 169.3617% | 30 |
| Total risk-based capital ratio | 169.3938% | 30 |
| Memoranda: | ||
| Average total assets | $5,417,896,200 | 210 |
| Average earning assets | $4,404,667,800 | 227 |
| Average equity | $1,406,128,000 | 131 |
| Average total loans | $619,856,200 | 868 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3773% | 5,422 |
| Cost of funding earning assets | 0.1182% | 5,311 |
| Net interest margin | 2.2591% | 5,368 |
| Noninterest income to average assets | 0.7268% | 1,764 |
| Noninterest expense to average assets | 1.8336% | 5,002 |
| Loan and lease loss provision to assets | -0.0031% | 5,197 |
| Net operating income to assets | 0.6402% | 4,399 |
| Return on assets (ROA) | 0.2402% | 5,162 |
| Pretax return on assets | 0.3028% | 5,136 |
| Return on Equity (ROE) | 0.9504% | 5,239 |
| Retained earnings to average equity (ytd only) | 0.9504% | 4,864 |
| Net charge-offs to loans | 0.0069% | 3,185 |
| Credit loss provision to net charge-offs | -347.2222% | 4,418 |
| Earnings coverage of net charge-offs (x) | 898.9775% | 98 |
| Efficiency ratio | 66.4163% | 2,793 |
| Assets per employee ($millions) | 30.0762% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1173% | 5,415 |
| Loan loss allowance to noncurrent loans | 19.8527% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,745 |
| Noncurrent loans to loans | 0.5909% | 2,607 |
| Net loans and leases to total assets | 7.7102% | 5,436 |
| Net loans and leases to deposits | 10.6873% | 5,433 |
| Net loans and leases to core deposits | 148.1369% | 145 |
| Total domestic deposits to total assets | 72.1432% | 5,118 |
| Equity capital to assets | 27.6833% | 82 |
| Core capital (leverage) ratio | 26.0200% | 96 |
| Tier 1 risk-based capital ratio | 166.4680% | 29 |
| Total risk-based capital ratio | 166.5271% | 29 |
| Memoranda: | ||
| Average total assets | $5,353,472,500 | 212 |
| Average earning assets | $4,532,752,750 | 223 |
| Average equity | $1,352,906,250 | 132 |
| Average total loans | $700,514,000 | 787 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3174% | 5,488 |
| Cost of funding earning assets | 0.0665% | 5,462 |
| Net interest margin | 2.2509% | 5,435 |
| Noninterest income to average assets | 0.5224% | 2,734 |
| Noninterest expense to average assets | 1.8048% | 5,086 |
| Loan and lease loss provision to assets | -0.0151% | 5,315 |
| Net operating income to assets | 0.5148% | 4,715 |
| Return on assets (ROA) | 0.5735% | 4,579 |
| Pretax return on assets | 0.8289% | 4,165 |
| Return on Equity (ROE) | 2.3499% | 5,129 |
| Retained earnings to average equity (ytd only) | 2.3499% | 4,338 |
| Net charge-offs to loans | 0.0053% | 2,971 |
| Credit loss provision to net charge-offs | -1,885.7143% | 4,625 |
| Earnings coverage of net charge-offs (x) | 925.0476% | 83 |
| Efficiency ratio | 68.6497% | 2,536 |
| Assets per employee ($millions) | 30.8508% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1217% | 5,470 |
| Loan loss allowance to noncurrent loans | 7.6647% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 4,730 |
| Noncurrent loans to loans | 1.5878% | 1,025 |
| Net loans and leases to total assets | 3.6613% | 5,508 |
| Net loans and leases to deposits | 5.0702% | 5,509 |
| Net loans and leases to core deposits | 69.4178% | 4,180 |
| Total domestic deposits to total assets | 72.2123% | 5,168 |
| Equity capital to assets | 27.4558% | 85 |
| Core capital (leverage) ratio | 26.2353% | 94 |
| Tier 1 risk-based capital ratio | 162.2020% | 32 |
| Total risk-based capital ratio | 162.2308% | 32 |
| Memoranda: | ||
| Average total assets | $5,253,191,000 | 212 |
| Average earning assets | $4,718,999,670 | 213 |
| Average equity | $1,282,107,670 | 136 |
| Average total loans | $788,528,670 | 702 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2280% | 5,558 |
| Cost of funding earning assets | 0.0183% | 5,582 |
| Net interest margin | 2.2097% | 5,502 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 1.2583% | 5,509 |
| Loan and lease loss provision to assets | -0.0334% | 5,445 |
| Net operating income to assets | 0.6506% | 4,275 |
| Return on assets (ROA) | 0.6506% | 4,282 |
| Pretax return on assets | 0.8951% | 3,867 |
| Return on Equity (ROE) | 2.8712% | 5,048 |
| Retained earnings to average equity (ytd only) | 2.8712% | 4,049 |
| Net charge-offs to loans | 0.0004% | 2,718 |
| Credit loss provision to net charge-offs | -41,900.0000% | 4,554 |
| Earnings coverage of net charge-offs (x) | 10,794.0000% | 3 |
| Efficiency ratio | 59.3538% | 4,160 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0242% | 5,554 |
| Loan loss allowance to noncurrent loans | 8.1194% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,821 |
| Noncurrent loans to loans | 0.2976% | 3,697 |
| Net loans and leases to total assets | 18.3486% | 5,513 |
| Net loans and leases to deposits | 24.4446% | 5,501 |
| Net loans and leases to core deposits | 406.9558% | 16 |
| Total domestic deposits to total assets | 75.0618% | 5,057 |
| Equity capital to assets | 24.7408% | 107 |
| Core capital (leverage) ratio | 30.4393% | 64 |
| Tier 1 risk-based capital ratio | 145.6083% | 32 |
| Total risk-based capital ratio | 145.6325% | 32 |
| Memoranda: | ||
| Average total assets | $5,010,662,500 | 215 |
| Average earning assets | $4,807,155,500 | 207 |
| Average equity | $1,135,420,000 | 142 |
| Average total loans | $1,077,616,500 | 524 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8495% | 5,615 |
| Cost of funding earning assets | 0.0074% | 5,652 |
| Net interest margin | 1.8421% | 5,595 |
| Noninterest income to average assets | -0.0032% | 5,626 |
| Noninterest expense to average assets | 1.0355% | 5,610 |
| Loan and lease loss provision to assets | -0.0117% | 5,309 |
| Net operating income to assets | 0.0987% | 5,261 |
| Return on assets (ROA) | 0.1020% | 5,260 |
| Pretax return on assets | 0.7989% | 4,247 |
| Return on Equity (ROE) | 0.6001% | 5,297 |
| Retained earnings to average equity (ytd only) | 0.6001% | 4,802 |
| Net charge-offs to loans | -0.0497% | 5,181 |
| Credit loss provision to net charge-offs | 101.3514% | 2,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9703% | 4,660 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0607% | 5,610 |
| Loan loss allowance to noncurrent loans | 24.2873% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 4,804 |
| Noncurrent loans to loans | 0.2500% | 3,890 |
| Net loans and leases to total assets | 25.6573% | 5,508 |
| Net loans and leases to deposits | 32.1141% | 5,491 |
| Net loans and leases to core deposits | 503.2461% | 15 |
| Total domestic deposits to total assets | 79.8942% | 4,354 |
| Equity capital to assets | 19.9110% | 211 |
| Core capital (leverage) ratio | 26.6414% | 84 |
| Tier 1 risk-based capital ratio | 111.1075% | 35 |
| Total risk-based capital ratio | 111.1902% | 36 |
| Memoranda: | ||
| Average total assets | $2,568,432,800 | 341 |
| Average earning assets | $2,538,733,000 | 316 |
| Average equity | $436,418,800 | 249 |
| Average total loans | $595,077,000 | 870 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8821% | 5,686 |
| Cost of funding earning assets | 0.0078% | 5,718 |
| Net interest margin | 1.8742% | 5,663 |
| Noninterest income to average assets | -0.0041% | 5,695 |
| Noninterest expense to average assets | 1.0988% | 5,666 |
| Loan and lease loss provision to assets | -0.0276% | 5,491 |
| Net operating income to assets | 0.4736% | 4,817 |
| Return on assets (ROA) | 0.4736% | 4,853 |
| Pretax return on assets | 0.7769% | 4,412 |
| Return on Equity (ROE) | 3.0532% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.0532% | 4,090 |
| Net charge-offs to loans | -0.1120% | 5,406 |
| Credit loss provision to net charge-offs | 112.5000% | 2,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4563% | 4,295 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1010% | 5,671 |
| Loan loss allowance to noncurrent loans | 18.5196% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 4,645 |
| Noncurrent loans to loans | 0.5451% | 3,065 |
| Net loans and leases to total assets | 21.9776% | 5,625 |
| Net loans and leases to deposits | 29.3776% | 5,598 |
| Net loans and leases to core deposits | 281.3940% | 29 |
| Total domestic deposits to total assets | 74.8109% | 5,147 |
| Equity capital to assets | 25.0254% | 102 |
| Core capital (leverage) ratio | 34.7555% | 54 |
| Tier 1 risk-based capital ratio | 144.4774% | 32 |
| Total risk-based capital ratio | 144.6011% | 32 |
| Memoranda: | ||
| Average total assets | $2,131,227,750 | 388 |
| Average earning assets | $2,106,209,000 | 363 |
| Average equity | $330,621,500 | 306 |
| Average total loans | $466,755,500 | 1,099 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0559% | 5,727 |
| Cost of funding earning assets | 0.0085% | 5,766 |
| Net interest margin | 2.0474% | 5,681 |
| Noninterest income to average assets | -0.0101% | 5,744 |
| Noninterest expense to average assets | 1.1423% | 5,711 |
| Loan and lease loss provision to assets | 0.0124% | 3,707 |
| Net operating income to assets | 0.5248% | 4,633 |
| Return on assets (ROA) | 0.5248% | 4,663 |
| Pretax return on assets | 0.8575% | 4,080 |
| Return on Equity (ROE) | 4.8626% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.8626% | 2,802 |
| Net charge-offs to loans | 0.1316% | 1,370 |
| Credit loss provision to net charge-offs | 43.2234% | 2,616 |
| Earnings coverage of net charge-offs (x) | 30.2564% | 1,457 |
| Efficiency ratio | 56.7698% | 4,733 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1365% | 5,714 |
| Loan loss allowance to noncurrent loans | 14.6877% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 4,398 |
| Noncurrent loans to loans | 0.9291% | 2,113 |
| Net loans and leases to total assets | 19.6682% | 5,685 |
| Net loans and leases to deposits | 22.1490% | 5,696 |
| Net loans and leases to core deposits | 157.1357% | 98 |
| Total domestic deposits to total assets | 88.7995% | 1,057 |
| Equity capital to assets | 10.8956% | 2,929 |
| Core capital (leverage) ratio | 11.7375% | 1,808 |
| Tier 1 risk-based capital ratio | 70.3950% | 63 |
| Total risk-based capital ratio | 70.5538% | 64 |
| Memoranda: | ||
| Average total assets | $1,899,083,670 | 430 |
| Average earning assets | $1,875,854,330 | 400 |
| Average equity | $204,951,000 | 431 |
| Average total loans | $414,980,330 | 1,206 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0215% | 5,795 |
| Cost of funding earning assets | 0.0086% | 5,829 |
| Net interest margin | 2.0129% | 5,754 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 1.0574% | 5,793 |
| Loan and lease loss provision to assets | -0.0102% | 5,656 |
| Net operating income to assets | 0.5750% | 4,259 |
| Return on assets (ROA) | 0.5750% | 4,303 |
| Pretax return on assets | 0.9398% | 3,627 |
| Return on Equity (ROE) | 5.3548% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.3548% | 2,700 |
| Net charge-offs to loans | 0.0325% | 2,124 |
| Credit loss provision to net charge-offs | -137.1429% | 3,992 |
| Earnings coverage of net charge-offs (x) | 124.6571% | 439 |
| Efficiency ratio | 53.2168% | 5,187 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1410% | 5,788 |
| Loan loss allowance to noncurrent loans | 12.6008% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 4,167 |
| Noncurrent loans to loans | 1.1193% | 1,824 |
| Net loans and leases to total assets | 22.2034% | 5,726 |
| Net loans and leases to deposits | 25.0658% | 5,734 |
| Net loans and leases to core deposits | 162.6603% | 76 |
| Total domestic deposits to total assets | 88.5804% | 1,385 |
| Equity capital to assets | 10.7882% | 2,869 |
| Core capital (leverage) ratio | 12.0658% | 1,585 |
| Tier 1 risk-based capital ratio | 69.4557% | 65 |
| Total risk-based capital ratio | 69.6359% | 68 |
| Memoranda: | ||
| Average total assets | $1,877,466,500 | 439 |
| Average earning assets | $1,853,263,500 | 407 |
| Average equity | $201,613,000 | 439 |
| Average total loans | $431,200,000 | 1,181 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9899% | 5,844 |
| Cost of funding earning assets | 0.0088% | 5,887 |
| Net interest margin | 1.9812% | 5,810 |
| Noninterest income to average assets | -0.0046% | 5,866 |
| Noninterest expense to average assets | 0.9484% | 5,867 |
| Loan and lease loss provision to assets | -0.0169% | 5,510 |
| Net operating income to assets | 0.6222% | 4,113 |
| Return on assets (ROA) | 0.7347% | 3,730 |
| Pretax return on assets | 1.2036% | 2,658 |
| Return on Equity (ROE) | 6.6355% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.6355% | 1,390 |
| Net charge-offs to loans | -0.1532% | 5,688 |
| Credit loss provision to net charge-offs | 60.1145% | 3,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4050% | 5,557 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1534% | 5,841 |
| Loan loss allowance to noncurrent loans | 12.3993% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 4,048 |
| Noncurrent loans to loans | 1.2374% | 1,659 |
| Net loans and leases to total assets | 23.6762% | 5,760 |
| Net loans and leases to deposits | 26.6722% | 5,776 |
| Net loans and leases to core deposits | 189.2858% | 45 |
| Total domestic deposits to total assets | 88.7674% | 1,220 |
| Equity capital to assets | 10.6880% | 2,941 |
| Core capital (leverage) ratio | 12.0409% | 1,572 |
| Tier 1 risk-based capital ratio | 69.6235% | 60 |
| Total risk-based capital ratio | 69.8317% | 62 |
| Memoranda: | ||
| Average total assets | $1,860,708,600 | 418 |
| Average earning assets | $1,844,475,200 | 389 |
| Average equity | $206,028,200 | 421 |
| Average total loans | $342,094,000 | 1,370 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9880% | 5,910 |
| Cost of funding earning assets | 0.0087% | 5,954 |
| Net interest margin | 1.9793% | 5,875 |
| Noninterest income to average assets | -0.0069% | 5,936 |
| Noninterest expense to average assets | 0.8960% | 5,937 |
| Loan and lease loss provision to assets | 0.0027% | 4,163 |
| Net operating income to assets | 0.6425% | 4,115 |
| Return on assets (ROA) | 0.7925% | 3,544 |
| Pretax return on assets | 1.2933% | 2,452 |
| Return on Equity (ROE) | 7.0959% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.0959% | 1,577 |
| Net charge-offs to loans | -0.0958% | 5,562 |
| Credit loss provision to net charge-offs | -16.6667% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7703% | 5,679 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1956% | 5,892 |
| Loan loss allowance to noncurrent loans | 11.2078% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 3,994 |
| Noncurrent loans to loans | 1.7453% | 1,193 |
| Net loans and leases to total assets | 19.8797% | 5,871 |
| Net loans and leases to deposits | 22.6917% | 5,883 |
| Net loans and leases to core deposits | 160.6855% | 93 |
| Total domestic deposits to total assets | 87.6077% | 1,611 |
| Equity capital to assets | 11.9625% | 2,149 |
| Core capital (leverage) ratio | 11.9340% | 1,721 |
| Tier 1 risk-based capital ratio | 68.9351% | 66 |
| Total risk-based capital ratio | 69.1612% | 67 |
| Memoranda: | ||
| Average total assets | $1,860,679,000 | 420 |
| Average earning assets | $1,846,766,250 | 390 |
| Average equity | $207,813,750 | 422 |
| Average total loans | $317,304,750 | 1,464 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0456% | 5,987 |
| Cost of funding earning assets | 0.0087% | 6,031 |
| Net interest margin | 2.0369% | 5,949 |
| Noninterest income to average assets | -0.0140% | 6,020 |
| Noninterest expense to average assets | 0.8928% | 6,017 |
| Loan and lease loss provision to assets | 0.0191% | 3,754 |
| Net operating income to assets | 0.6694% | 3,965 |
| Return on assets (ROA) | 0.7925% | 3,489 |
| Pretax return on assets | 1.2857% | 2,464 |
| Return on Equity (ROE) | 7.2705% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.2705% | 1,482 |
| Net charge-offs to loans | -0.0362% | 5,220 |
| Credit loss provision to net charge-offs | -327.7778% | 4,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5210% | 5,806 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2340% | 5,964 |
| Loan loss allowance to noncurrent loans | 9.3725% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 3,872 |
| Noncurrent loans to loans | 2.4967% | 701 |
| Net loans and leases to total assets | 16.1997% | 5,978 |
| Net loans and leases to deposits | 18.4620% | 5,985 |
| Net loans and leases to core deposits | 147.2663% | 135 |
| Total domestic deposits to total assets | 87.7461% | 1,552 |
| Equity capital to assets | 11.9329% | 2,172 |
| Core capital (leverage) ratio | 11.9548% | 1,656 |
| Tier 1 risk-based capital ratio | 69.7083% | 68 |
| Total risk-based capital ratio | 69.9297% | 71 |
| Memoranda: | ||
| Average total assets | $1,852,962,330 | 418 |
| Average earning assets | $1,837,099,670 | 390 |
| Average equity | $201,967,330 | 431 |
| Average total loans | $297,995,000 | 1,530 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0248% | 6,056 |
| Cost of funding earning assets | 0.0087% | 6,090 |
| Net interest margin | 2.0161% | 6,012 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 0.8922% | 6,081 |
| Loan and lease loss provision to assets | 0.0779% | 2,404 |
| Net operating income to assets | 0.6232% | 4,085 |
| Return on assets (ROA) | 0.8683% | 3,022 |
| Pretax return on assets | 1.4082% | 1,879 |
| Return on Equity (ROE) | 8.3585% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.3585% | 1,318 |
| Net charge-offs to loans | 0.1183% | 1,411 |
| Credit loss provision to net charge-offs | 411.3636% | 699 |
| Earnings coverage of net charge-offs (x) | 58.2727% | 800 |
| Efficiency ratio | 44.7176% | 5,846 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2900% | 6,010 |
| Loan loss allowance to noncurrent loans | 9.0049% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 3,785 |
| Noncurrent loans to loans | 3.2207% | 466 |
| Net loans and leases to total assets | 13.9727% | 6,052 |
| Net loans and leases to deposits | 15.8034% | 6,052 |
| Net loans and leases to core deposits | 127.1177% | 319 |
| Total domestic deposits to total assets | 88.4158% | 1,398 |
| Equity capital to assets | 11.0706% | 2,862 |
| Core capital (leverage) ratio | 11.6790% | 1,843 |
| Tier 1 risk-based capital ratio | 57.7074% | 96 |
| Total risk-based capital ratio | 57.9050% | 100 |
| Memoranda: | ||
| Average total assets | $1,859,639,000 | 412 |
| Average earning assets | $1,840,413,000 | 392 |
| Average equity | $193,192,000 | 441 |
| Average total loans | $297,637,500 | 1,526 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6989% | 6,115 |
| Cost of funding earning assets | 0.0133% | 6,148 |
| Net interest margin | 1.6856% | 6,094 |
| Noninterest income to average assets | 0.0035% | 6,096 |
| Noninterest expense to average assets | 0.8542% | 6,136 |
| Loan and lease loss provision to assets | -0.0344% | 5,704 |
| Net operating income to assets | 0.5956% | 4,289 |
| Return on assets (ROA) | 0.7230% | 3,801 |
| Pretax return on assets | 1.0345% | 3,327 |
| Return on Equity (ROE) | 4.8068% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.8068% | 2,561 |
| Net charge-offs to loans | 0.0742% | 2,768 |
| Credit loss provision to net charge-offs | -211.3208% | 5,281 |
| Earnings coverage of net charge-offs (x) | 50.3113% | 997 |
| Efficiency ratio | 51.0756% | 5,701 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1379% | 6,102 |
| Loan loss allowance to noncurrent loans | 5.6169% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 3,854 |
| Noncurrent loans to loans | 2.4547% | 761 |
| Net loans and leases to total assets | 17.9008% | 6,083 |
| Net loans and leases to deposits | 19.9091% | 6,095 |
| Net loans and leases to core deposits | 117.4174% | 562 |
| Total domestic deposits to total assets | 89.9129% | 666 |
| Equity capital to assets | 9.7312% | 4,261 |
| Core capital (leverage) ratio | 11.6495% | 1,852 |
| Tier 1 risk-based capital ratio | 53.9812% | 109 |
| Total risk-based capital ratio | 54.1004% | 111 |
| Memoranda: | ||
| Average total assets | $1,303,509,200 | 552 |
| Average earning assets | $1,290,729,200 | 507 |
| Average equity | $196,053,800 | 422 |
| Average total loans | $285,746,800 | 1,529 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6135% | 6,214 |
| Cost of funding earning assets | 0.0081% | 6,239 |
| Net interest margin | 1.6054% | 6,196 |
| Noninterest income to average assets | -0.0066% | 6,206 |
| Noninterest expense to average assets | 0.9383% | 6,219 |
| Loan and lease loss provision to assets | -0.0671% | 5,947 |
| Net operating income to assets | 0.5293% | 4,681 |
| Return on assets (ROA) | 0.7316% | 3,867 |
| Pretax return on assets | 0.9869% | 3,664 |
| Return on Equity (ROE) | 4.2498% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.2498% | 3,440 |
| Net charge-offs to loans | 0.0881% | 2,284 |
| Credit loss provision to net charge-offs | -323.3333% | 5,280 |
| Earnings coverage of net charge-offs (x) | 31.1394% | 1,460 |
| Efficiency ratio | 59.2067% | 4,979 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1502% | 6,189 |
| Loan loss allowance to noncurrent loans | 4.4466% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 3,158 |
| Noncurrent loans to loans | 3.3782% | 479 |
| Net loans and leases to total assets | 20.6534% | 6,129 |
| Net loans and leases to deposits | 24.9808% | 6,134 |
| Net loans and leases to core deposits | 94.2347% | 2,054 |
| Total domestic deposits to total assets | 82.6771% | 3,927 |
| Equity capital to assets | 16.9889% | 434 |
| Core capital (leverage) ratio | 17.5158% | 332 |
| Tier 1 risk-based capital ratio | 85.1324% | 55 |
| Total risk-based capital ratio | 85.2811% | 55 |
| Memoranda: | ||
| Average total assets | $1,155,995,000 | 611 |
| Average earning assets | $1,145,870,000 | 565 |
| Average equity | $199,000,500 | 418 |
| Average total loans | $272,325,500 | 1,614 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6868% | 6,285 |
| Cost of funding earning assets | 0.0081% | 6,316 |
| Net interest margin | 1.6788% | 6,259 |
| Noninterest income to average assets | -0.0044% | 6,272 |
| Noninterest expense to average assets | 0.8180% | 6,306 |
| Loan and lease loss provision to assets | -0.0796% | 6,065 |
| Net operating income to assets | 0.7457% | 3,660 |
| Return on assets (ROA) | 0.7457% | 3,756 |
| Pretax return on assets | 0.9211% | 3,878 |
| Return on Equity (ROE) | 4.3126% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.3126% | 3,282 |
| Net charge-offs to loans | 0.1015% | 1,990 |
| Credit loss provision to net charge-offs | -319.5804% | 5,125 |
| Earnings coverage of net charge-offs (x) | 33.7972% | 1,255 |
| Efficiency ratio | 49.2918% | 5,886 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1495% | 6,261 |
| Loan loss allowance to noncurrent loans | 5.6501% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 3,031 |
| Noncurrent loans to loans | 2.6455% | 829 |
| Net loans and leases to total assets | 29.6163% | 6,049 |
| Net loans and leases to deposits | 35.6703% | 6,041 |
| Net loans and leases to core deposits | 134.7245% | 212 |
| Total domestic deposits to total assets | 83.0278% | 3,947 |
| Equity capital to assets | 16.7499% | 442 |
| Core capital (leverage) ratio | 18.2566% | 273 |
| Tier 1 risk-based capital ratio | 82.9298% | 55 |
| Total risk-based capital ratio | 83.1408% | 56 |
| Memoranda: | ||
| Average total assets | $1,148,683,000 | 617 |
| Average earning assets | $1,138,461,330 | 564 |
| Average equity | $198,628,000 | 421 |
| Average total loans | $281,884,330 | 1,550 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7785% | 6,350 |
| Cost of funding earning assets | 0.0079% | 6,385 |
| Net interest margin | 1.7706% | 6,319 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 0.8730% | 6,380 |
| Loan and lease loss provision to assets | -0.0458% | 6,148 |
| Net operating income to assets | 0.5711% | 4,399 |
| Return on assets (ROA) | 0.5711% | 4,505 |
| Pretax return on assets | 0.9263% | 3,793 |
| Return on Equity (ROE) | 3.2492% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.2492% | 4,038 |
| Net charge-offs to loans | 0.3444% | 711 |
| Credit loss provision to net charge-offs | -60.8491% | 4,419 |
| Earnings coverage of net charge-offs (x) | 11.7075% | 1,842 |
| Efficiency ratio | 49.7876% | 5,926 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3153% | 6,288 |
| Loan loss allowance to noncurrent loans | 8.0020% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 2,787 |
| Noncurrent loans to loans | 3.9404% | 446 |
| Net loans and leases to total assets | 22.2155% | 6,246 |
| Net loans and leases to deposits | 27.0917% | 6,232 |
| Net loans and leases to core deposits | 95.1894% | 1,682 |
| Total domestic deposits to total assets | 82.0011% | 4,505 |
| Equity capital to assets | 17.8879% | 338 |
| Core capital (leverage) ratio | 18.2818% | 271 |
| Tier 1 risk-based capital ratio | 86.1061% | 63 |
| Total risk-based capital ratio | 86.4368% | 64 |
| Memoranda: | ||
| Average total assets | $1,127,552,000 | 625 |
| Average earning assets | $1,116,680,000 | 572 |
| Average equity | $198,201,000 | 423 |
| Average total loans | $246,205,500 | 1,767 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0192% | 6,419 |
| Cost of funding earning assets | 0.0084% | 6,477 |
| Net interest margin | 2.0108% | 6,369 |
| Noninterest income to average assets | -0.0011% | 6,403 |
| Noninterest expense to average assets | 0.9106% | 6,457 |
| Loan and lease loss provision to assets | 0.0577% | 3,388 |
| Net operating income to assets | 0.6076% | 4,334 |
| Return on assets (ROA) | 0.7099% | 3,956 |
| Pretax return on assets | 1.1728% | 2,768 |
| Return on Equity (ROE) | 4.1780% | 5,039 |
| Retained earnings to average equity (ytd only) | 4.1780% | 3,227 |
| Net charge-offs to loans | 2.6917% | 48 |
| Credit loss provision to net charge-offs | 7.8119% | 4,130 |
| Earnings coverage of net charge-offs (x) | 1.4504% | 4,416 |
| Efficiency ratio | 45.9572% | 6,266 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4645% | 6,285 |
| Loan loss allowance to noncurrent loans | 11.2306% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 2,888 |
| Noncurrent loans to loans | 4.1364% | 431 |
| Net loans and leases to total assets | 21.2917% | 6,351 |
| Net loans and leases to deposits | 25.7871% | 6,352 |
| Net loans and leases to core deposits | 91.1549% | 2,170 |
| Total domestic deposits to total assets | 82.5670% | 4,228 |
| Equity capital to assets | 17.2722% | 393 |
| Core capital (leverage) ratio | 17.7951% | 299 |
| Tier 1 risk-based capital ratio | 83.9919% | 57 |
| Total risk-based capital ratio | 84.4579% | 57 |
| Memoranda: | ||
| Average total assets | $1,123,595,400 | 600 |
| Average earning assets | $1,107,715,800 | 557 |
| Average equity | $190,904,200 | 419 |
| Average total loans | $308,175,200 | 1,391 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0615% | 6,495 |
| Cost of funding earning assets | 0.0085% | 6,558 |
| Net interest margin | 2.0531% | 6,435 |
| Noninterest income to average assets | -0.0002% | 6,491 |
| Noninterest expense to average assets | 0.9150% | 6,538 |
| Loan and lease loss provision to assets | 0.0415% | 3,570 |
| Net operating income to assets | 0.6565% | 4,185 |
| Return on assets (ROA) | 0.7269% | 3,908 |
| Pretax return on assets | 1.1757% | 2,883 |
| Return on Equity (ROE) | 4.2963% | 5,041 |
| Retained earnings to average equity (ytd only) | 4.2963% | 3,592 |
| Net charge-offs to loans | 3.3062% | 26 |
| Credit loss provision to net charge-offs | 4.3370% | 3,762 |
| Earnings coverage of net charge-offs (x) | 1.1565% | 4,216 |
| Efficiency ratio | 45.2492% | 6,318 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4222% | 6,394 |
| Loan loss allowance to noncurrent loans | 11.5546% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 3,366 |
| Noncurrent loans to loans | 3.6540% | 634 |
| Net loans and leases to total assets | 22.4108% | 6,414 |
| Net loans and leases to deposits | 26.9893% | 6,412 |
| Net loans and leases to core deposits | 98.2897% | 1,506 |
| Total domestic deposits to total assets | 83.0358% | 4,132 |
| Equity capital to assets | 16.8320% | 447 |
| Core capital (leverage) ratio | 17.6052% | 318 |
| Tier 1 risk-based capital ratio | 80.5907% | 56 |
| Total risk-based capital ratio | 81.0216% | 56 |
| Memoranda: | ||
| Average total assets | $1,120,710,750 | 599 |
| Average earning assets | $1,103,953,750 | 553 |
| Average equity | $189,614,500 | 419 |
| Average total loans | $324,514,750 | 1,354 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1348% | 6,559 |
| Cost of funding earning assets | 0.0084% | 6,623 |
| Net interest margin | 2.1264% | 6,483 |
| Noninterest income to average assets | 0.0064% | 6,534 |
| Noninterest expense to average assets | 0.9159% | 6,605 |
| Loan and lease loss provision to assets | 0.2827% | 719 |
| Net operating income to assets | 0.5446% | 4,624 |
| Return on assets (ROA) | 0.6433% | 4,236 |
| Pretax return on assets | 1.0558% | 3,257 |
| Return on Equity (ROE) | 3.7955% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.7955% | 3,759 |
| Net charge-offs to loans | 4.4866% | 17 |
| Credit loss provision to net charge-offs | 20.2334% | 3,198 |
| Earnings coverage of net charge-offs (x) | 0.8477% | 3,957 |
| Efficiency ratio | 43.6114% | 6,438 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 5,696 |
| Loan loss allowance to noncurrent loans | 23.8291% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 3,191 |
| Noncurrent loans to loans | 3.8150% | 649 |
| Net loans and leases to total assets | 24.4040% | 6,443 |
| Net loans and leases to deposits | 29.4237% | 6,435 |
| Net loans and leases to core deposits | 99.4278% | 1,327 |
| Total domestic deposits to total assets | 82.9401% | 4,323 |
| Equity capital to assets | 16.9423% | 423 |
| Core capital (leverage) ratio | 17.3499% | 341 |
| Tier 1 risk-based capital ratio | 82.8186% | 55 |
| Total risk-based capital ratio | 83.8821% | 55 |
| Memoranda: | ||
| Average total assets | $1,116,468,670 | 603 |
| Average earning assets | $1,099,312,670 | 554 |
| Average equity | $189,226,000 | 417 |
| Average total loans | $347,656,670 | 1,267 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2166% | 6,619 |
| Cost of funding earning assets | 0.0081% | 6,694 |
| Net interest margin | 2.2085% | 6,519 |
| Noninterest income to average assets | -0.0007% | 6,623 |
| Noninterest expense to average assets | 0.9226% | 6,684 |
| Loan and lease loss provision to assets | 0.4513% | 351 |
| Net operating income to assets | 0.4876% | 4,748 |
| Return on assets (ROA) | 0.5651% | 4,463 |
| Pretax return on assets | 0.9182% | 3,633 |
| Return on Equity (ROE) | 3.3333% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.3333% | 4,128 |
| Net charge-offs to loans | 8.1352% | 6 |
| Credit loss provision to net charge-offs | 16.0795% | 2,546 |
| Earnings coverage of net charge-offs (x) | 0.4448% | 3,347 |
| Efficiency ratio | 42.4925% | 6,535 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5835% | 6,430 |
| Loan loss allowance to noncurrent loans | 5.7837% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 3.5504% | 733 |
| Noncurrent loans to loans | 10.0880% | 96 |
| Net loans and leases to total assets | 34.9893% | 6,124 |
| Net loans and leases to deposits | 42.5598% | 6,046 |
| Net loans and leases to core deposits | 150.6331% | 97 |
| Total domestic deposits to total assets | 82.2122% | 4,883 |
| Equity capital to assets | 17.1564% | 382 |
| Core capital (leverage) ratio | 17.6073% | 323 |
| Tier 1 risk-based capital ratio | 62.9396% | 84 |
| Total risk-based capital ratio | 63.6696% | 85 |
| Memoranda: | ||
| Average total assets | $1,104,320,000 | 615 |
| Average earning assets | $1,085,997,500 | 565 |
| Average equity | $187,203,000 | 419 |
| Average total loans | $381,011,500 | 1,155 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3472% | 6,660 |
| Cost of funding earning assets | 0.0094% | 6,778 |
| Net interest margin | 2.3379% | 6,496 |
| Noninterest income to average assets | -0.0127% | 6,675 |
| Noninterest expense to average assets | 1.2371% | 6,706 |
| Loan and lease loss provision to assets | -0.3970% | 6,715 |
| Net operating income to assets | 0.8984% | 2,793 |
| Return on assets (ROA) | 0.9664% | 2,552 |
| Pretax return on assets | 1.5556% | 1,280 |
| Return on Equity (ROE) | 6.1510% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.1510% | 1,884 |
| Net charge-offs to loans | 0.8794% | 697 |
| Credit loss provision to net charge-offs | -140.6770% | 5,934 |
| Earnings coverage of net charge-offs (x) | 3.7295% | 3,764 |
| Efficiency ratio | 54.0345% | 6,133 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3549% | 981 |
| Loan loss allowance to noncurrent loans | 25.6955% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 3.1454% | 982 |
| Noncurrent loans to loans | 9.1648% | 134 |
| Net loans and leases to total assets | 33.0104% | 6,334 |
| Net loans and leases to deposits | 39.9321% | 6,304 |
| Net loans and leases to core deposits | 144.5049% | 121 |
| Total domestic deposits to total assets | 82.6664% | 4,655 |
| Equity capital to assets | 16.7466% | 424 |
| Core capital (leverage) ratio | 17.2361% | 349 |
| Tier 1 risk-based capital ratio | 60.5963% | 86 |
| Total risk-based capital ratio | 61.8653% | 85 |
| Memoranda: | ||
| Average total assets | $1,193,550,600 | 547 |
| Average earning assets | $1,175,381,400 | 508 |
| Average equity | $187,513,000 | 410 |
| Average total loans | $382,999,800 | 1,115 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3838% | 6,732 |
| Cost of funding earning assets | 0.0098% | 6,859 |
| Net interest margin | 2.3740% | 6,538 |
| Noninterest income to average assets | -0.0152% | 6,771 |
| Noninterest expense to average assets | 1.3349% | 6,725 |
| Loan and lease loss provision to assets | -0.5128% | 6,833 |
| Net operating income to assets | 0.9695% | 2,504 |
| Return on assets (ROA) | 1.0598% | 2,233 |
| Pretax return on assets | 1.6412% | 1,242 |
| Return on Equity (ROE) | 6.8483% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.8483% | 1,949 |
| Net charge-offs to loans | 0.7770% | 762 |
| Credit loss provision to net charge-offs | -208.1887% | 5,908 |
| Earnings coverage of net charge-offs (x) | 4.0174% | 3,557 |
| Efficiency ratio | 57.4299% | 5,752 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9456% | 587 |
| Loan loss allowance to noncurrent loans | 28.1442% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 3.3477% | 1,041 |
| Noncurrent loans to loans | 10.4661% | 116 |
| Net loans and leases to total assets | 30.1739% | 6,529 |
| Net loans and leases to deposits | 36.7370% | 6,479 |
| Net loans and leases to core deposits | 130.1417% | 191 |
| Total domestic deposits to total assets | 82.1351% | 4,874 |
| Equity capital to assets | 17.2335% | 392 |
| Core capital (leverage) ratio | 17.0701% | 385 |
| Tier 1 risk-based capital ratio | 58.6493% | 99 |
| Total risk-based capital ratio | 59.9229% | 95 |
| Memoranda: | ||
| Average total assets | $1,216,384,250 | 538 |
| Average earning assets | $1,198,730,500 | 498 |
| Average equity | $188,245,250 | 404 |
| Average total loans | $385,594,500 | 1,111 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3072% | 6,797 |
| Cost of funding earning assets | 0.0092% | 6,910 |
| Net interest margin | 2.2980% | 6,619 |
| Noninterest income to average assets | -0.0141% | 6,817 |
| Noninterest expense to average assets | 1.3498% | 6,756 |
| Loan and lease loss provision to assets | -0.4375% | 6,867 |
| Net operating income to assets | 0.8788% | 2,914 |
| Return on assets (ROA) | 1.0096% | 2,419 |
| Pretax return on assets | 1.5418% | 1,505 |
| Return on Equity (ROE) | 6.7444% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.7444% | 2,007 |
| Net charge-offs to loans | 0.8997% | 692 |
| Credit loss provision to net charge-offs | -152.5471% | 5,675 |
| Earnings coverage of net charge-offs (x) | 3.1484% | 3,475 |
| Efficiency ratio | 59.9182% | 5,497 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7318% | 762 |
| Loan loss allowance to noncurrent loans | 33.3505% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 2.6413% | 1,582 |
| Noncurrent loans to loans | 8.1913% | 245 |
| Net loans and leases to total assets | 30.8973% | 6,548 |
| Net loans and leases to deposits | 35.6694% | 6,566 |
| Net loans and leases to core deposits | 251.0617% | 36 |
| Total domestic deposits to total assets | 86.6211% | 3,040 |
| Equity capital to assets | 13.0021% | 1,345 |
| Core capital (leverage) ratio | 12.9965% | 1,161 |
| Tier 1 risk-based capital ratio | 50.1925% | 126 |
| Total risk-based capital ratio | 51.4683% | 125 |
| Memoranda: | ||
| Average total assets | $1,259,459,000 | 521 |
| Average earning assets | $1,242,367,670 | 486 |
| Average equity | $188,541,670 | 406 |
| Average total loans | $401,461,000 | 1,060 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2985% | 6,869 |
| Cost of funding earning assets | 0.0093% | 6,986 |
| Net interest margin | 2.2893% | 6,690 |
| Noninterest income to average assets | 0.0047% | 6,839 |
| Noninterest expense to average assets | 1.6338% | 6,640 |
| Loan and lease loss provision to assets | -0.0753% | 6,818 |
| Net operating income to assets | 0.4440% | 4,939 |
| Return on assets (ROA) | 0.5115% | 4,748 |
| Pretax return on assets | 0.8120% | 4,127 |
| Return on Equity (ROE) | 3.1662% | 5,511 |
| Retained earnings to average equity (ytd only) | 3.1662% | 4,367 |
| Net charge-offs to loans | 1.7807% | 275 |
| Credit loss provision to net charge-offs | -13.2379% | 4,972 |
| Earnings coverage of net charge-offs (x) | 1.1097% | 3,468 |
| Efficiency ratio | 72.1324% | 3,592 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2632% | 511 |
| Loan loss allowance to noncurrent loans | 36.1902% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 3.0712% | 1,445 |
| Noncurrent loans to loans | 9.0167% | 265 |
| Net loans and leases to total assets | 32.3656% | 6,500 |
| Net loans and leases to deposits | 37.7910% | 6,511 |
| Net loans and leases to core deposits | 274.6891% | 35 |
| Total domestic deposits to total assets | 85.6438% | 3,713 |
| Equity capital to assets | 14.0193% | 1,020 |
| Core capital (leverage) ratio | 13.2308% | 1,035 |
| Tier 1 risk-based capital ratio | 50.5453% | 131 |
| Total risk-based capital ratio | 51.8318% | 131 |
| Memoranda: | ||
| Average total assets | $1,179,320,000 | 562 |
| Average earning assets | $1,164,393,000 | 512 |
| Average equity | $190,515,000 | 408 |
| Average total loans | $376,701,500 | 1,135 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6967% | 6,879 |
| Cost of funding earning assets | 0.0405% | 7,042 |
| Net interest margin | 2.6561% | 6,579 |
| Noninterest income to average assets | 0.0255% | 6,765 |
| Noninterest expense to average assets | 1.4306% | 6,901 |
| Loan and lease loss provision to assets | 0.0067% | 5,837 |
| Net operating income to assets | 0.7121% | 3,687 |
| Return on assets (ROA) | 1.6148% | 816 |
| Pretax return on assets | 2.6344% | 212 |
| Return on Equity (ROE) | 15.2340% | 769 |
| Retained earnings to average equity (ytd only) | 15.2340% | 146 |
| Net charge-offs to loans | 2.1633% | 318 |
| Credit loss provision to net charge-offs | 1.1175% | 5,476 |
| Earnings coverage of net charge-offs (x) | 2.0422% | 4,390 |
| Efficiency ratio | 53.7576% | 6,287 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7367% | 83 |
| Loan loss allowance to noncurrent loans | 43.8539% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 3.9332% | 1,100 |
| Noncurrent loans to loans | 13.0815% | 121 |
| Net loans and leases to total assets | 28.1229% | 6,759 |
| Net loans and leases to deposits | 39.3339% | 6,580 |
| Net loans and leases to core deposits | 160.3701% | 78 |
| Total domestic deposits to total assets | 71.4979% | 6,716 |
| Equity capital to assets | 19.1254% | 259 |
| Core capital (leverage) ratio | 18.3564% | 263 |
| Tier 1 risk-based capital ratio | 51.8616% | 132 |
| Total risk-based capital ratio | 53.1564% | 131 |
| Memoranda: | ||
| Average total assets | $1,722,544,400 | 400 |
| Average earning assets | $1,709,316,800 | 367 |
| Average equity | $182,585,600 | 408 |
| Average total loans | $479,824,000 | 856 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7615% | 6,985 |
| Cost of funding earning assets | 0.0442% | 7,150 |
| Net interest margin | 2.7173% | 6,620 |
| Noninterest income to average assets | 0.0043% | 6,922 |
| Noninterest expense to average assets | 1.4418% | 6,968 |
| Loan and lease loss provision to assets | 0.3327% | 1,970 |
| Net operating income to assets | 0.5405% | 4,658 |
| Return on assets (ROA) | 1.1732% | 2,012 |
| Pretax return on assets | 1.9181% | 837 |
| Return on Equity (ROE) | 12.3529% | 1,514 |
| Retained earnings to average equity (ytd only) | 12.3529% | 473 |
| Net charge-offs to loans | 2.0407% | 346 |
| Credit loss provision to net charge-offs | 59.0638% | 4,171 |
| Earnings coverage of net charge-offs (x) | 2.2411% | 4,144 |
| Efficiency ratio | 53.3194% | 6,318 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7720% | 370 |
| Loan loss allowance to noncurrent loans | 74.7922% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.5649% | 3,247 |
| Noncurrent loans to loans | 5.0433% | 893 |
| Net loans and leases to total assets | 29.0918% | 6,845 |
| Net loans and leases to deposits | 32.2799% | 6,907 |
| Net loans and leases to core deposits | 343.3228% | 33 |
| Total domestic deposits to total assets | 90.1236% | 779 |
| Equity capital to assets | 9.3378% | 5,421 |
| Core capital (leverage) ratio | 8.3495% | 5,947 |
| Tier 1 risk-based capital ratio | 32.0954% | 440 |
| Total risk-based capital ratio | 33.3847% | 429 |
| Memoranda: | ||
| Average total assets | $1,906,586,750 | 373 |
| Average earning assets | $1,894,286,750 | 340 |
| Average equity | $181,070,000 | 413 |
| Average total loans | $526,210,250 | 788 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8985% | 7,012 |
| Cost of funding earning assets | 0.0455% | 7,214 |
| Net interest margin | 2.8530% | 6,492 |
| Noninterest income to average assets | -0.0333% | 7,040 |
| Noninterest expense to average assets | 1.4552% | 7,027 |
| Loan and lease loss provision to assets | 0.1334% | 3,859 |
| Net operating income to assets | 0.7088% | 3,826 |
| Return on assets (ROA) | 1.5009% | 1,108 |
| Pretax return on assets | 2.4485% | 320 |
| Return on Equity (ROE) | 15.7046% | 818 |
| Retained earnings to average equity (ytd only) | 15.7046% | 243 |
| Net charge-offs to loans | 2.4626% | 291 |
| Credit loss provision to net charge-offs | 20.3673% | 4,600 |
| Earnings coverage of net charge-offs (x) | 2.0518% | 3,961 |
| Efficiency ratio | 51.9806% | 6,508 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4618% | 64 |
| Loan loss allowance to noncurrent loans | 65.1773% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9112% | 2,893 |
| Noncurrent loans to loans | 9.9142% | 275 |
| Net loans and leases to total assets | 17.1947% | 7,118 |
| Net loans and leases to deposits | 19.4352% | 7,139 |
| Net loans and leases to core deposits | 219.7835% | 47 |
| Total domestic deposits to total assets | 88.4719% | 1,836 |
| Equity capital to assets | 9.9119% | 4,465 |
| Core capital (leverage) ratio | 9.1117% | 4,746 |
| Tier 1 risk-based capital ratio | 32.2634% | 428 |
| Total risk-based capital ratio | 33.5503% | 422 |
| Memoranda: | ||
| Average total assets | $1,844,994,670 | 379 |
| Average earning assets | $1,831,924,000 | 345 |
| Average equity | $176,330,670 | 424 |
| Average total loans | $490,858,670 | 840 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8843% | 7,085 |
| Cost of funding earning assets | 0.0450% | 7,275 |
| Net interest margin | 2.8393% | 6,571 |
| Noninterest income to average assets | -0.0959% | 7,166 |
| Noninterest expense to average assets | 1.4208% | 7,105 |
| Loan and lease loss provision to assets | 0.0341% | 4,952 |
| Net operating income to assets | 0.7716% | 3,518 |
| Return on assets (ROA) | 1.3098% | 1,599 |
| Pretax return on assets | 2.1070% | 625 |
| Return on Equity (ROE) | 13.9718% | 1,187 |
| Retained earnings to average equity (ytd only) | 13.9718% | 568 |
| Net charge-offs to loans | 3.3357% | 200 |
| Credit loss provision to net charge-offs | 3.3199% | 3,970 |
| Earnings coverage of net charge-offs (x) | 1.2641% | 3,700 |
| Efficiency ratio | 52.2162% | 6,524 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3581% | 64 |
| Loan loss allowance to noncurrent loans | 58.2206% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 2.0607% | 2,810 |
| Noncurrent loans to loans | 10.9207% | 252 |
| Net loans and leases to total assets | 16.8329% | 7,182 |
| Net loans and leases to deposits | 18.6499% | 7,202 |
| Net loans and leases to core deposits | 199.9898% | 53 |
| Total domestic deposits to total assets | 90.2570% | 943 |
| Equity capital to assets | 8.9493% | 5,569 |
| Core capital (leverage) ratio | 8.2514% | 5,950 |
| Tier 1 risk-based capital ratio | 30.1269% | 512 |
| Total risk-based capital ratio | 31.4133% | 504 |
| Memoranda: | ||
| Average total assets | $1,827,422,500 | 382 |
| Average earning assets | $1,813,007,500 | 349 |
| Average equity | $171,317,000 | 435 |
| Average total loans | $563,479,500 | 738 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0517% | 7,167 |
| Cost of funding earning assets | 0.0456% | 7,331 |
| Net interest margin | 3.0061% | 6,524 |
| Noninterest income to average assets | -0.0392% | 7,052 |
| Noninterest expense to average assets | 1.5029% | 7,164 |
| Loan and lease loss provision to assets | 0.3871% | 2,669 |
| Net operating income to assets | 0.6616% | 3,688 |
| Return on assets (ROA) | 0.8291% | 3,077 |
| Pretax return on assets | 1.3062% | 2,105 |
| Return on Equity (ROE) | 8.2217% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.2217% | 1,012 |
| Net charge-offs to loans | 1.6972% | 899 |
| Credit loss provision to net charge-offs | 47.2073% | 5,487 |
| Earnings coverage of net charge-offs (x) | 1.7458% | 4,467 |
| Efficiency ratio | 51.2161% | 6,759 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 2,935 |
| Loan loss allowance to noncurrent loans | 38.5006% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 2.3470% | 2,579 |
| Noncurrent loans to loans | 4.6216% | 1,280 |
| Net loans and leases to total assets | 45.1788% | 6,093 |
| Net loans and leases to deposits | 50.3622% | 6,333 |
| Net loans and leases to core deposits | 537.8411% | 33 |
| Total domestic deposits to total assets | 89.7078% | 1,154 |
| Equity capital to assets | 9.8766% | 4,335 |
| Core capital (leverage) ratio | 9.1610% | 4,528 |
| Tier 1 risk-based capital ratio | 30.6203% | 485 |
| Total risk-based capital ratio | 31.8889% | 474 |
| Memoranda: | ||
| Average total assets | $1,517,502,000 | 437 |
| Average earning assets | $1,501,081,400 | 392 |
| Average equity | $153,033,800 | 459 |
| Average total loans | $733,138,400 | 560 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0976% | 7,232 |
| Cost of funding earning assets | 0.0458% | 7,405 |
| Net interest margin | 3.0518% | 6,490 |
| Noninterest income to average assets | -0.0009% | 7,118 |
| Noninterest expense to average assets | 1.5263% | 7,210 |
| Loan and lease loss provision to assets | 0.0742% | 5,520 |
| Net operating income to assets | 0.8753% | 2,838 |
| Return on assets (ROA) | 1.0820% | 2,179 |
| Pretax return on assets | 1.7393% | 1,064 |
| Return on Equity (ROE) | 10.6669% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.6669% | 690 |
| Net charge-offs to loans | 1.9623% | 652 |
| Credit loss provision to net charge-offs | 7.7190% | 5,683 |
| Earnings coverage of net charge-offs (x) | 1.5511% | 4,478 |
| Efficiency ratio | 50.5937% | 6,797 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 4,606 |
| Loan loss allowance to noncurrent loans | 26.4857% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 2.7986% | 2,322 |
| Noncurrent loans to loans | 5.2469% | 1,161 |
| Net loans and leases to total assets | 48.0219% | 5,951 |
| Net loans and leases to deposits | 53.9582% | 6,216 |
| Net loans and leases to core deposits | 592.6130% | 32 |
| Total domestic deposits to total assets | 88.9983% | 1,434 |
| Equity capital to assets | 10.6155% | 3,555 |
| Core capital (leverage) ratio | 10.1104% | 3,294 |
| Tier 1 risk-based capital ratio | 33.0005% | 419 |
| Total risk-based capital ratio | 34.2627% | 413 |
| Memoranda: | ||
| Average total assets | $1,477,581,500 | 452 |
| Average earning assets | $1,461,097,250 | 408 |
| Average equity | $149,880,250 | 473 |
| Average total loans | $723,558,250 | 578 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1728% | 7,292 |
| Cost of funding earning assets | 0.0453% | 7,476 |
| Net interest margin | 3.1276% | 6,348 |
| Noninterest income to average assets | -0.0278% | 7,233 |
| Noninterest expense to average assets | 1.5466% | 7,284 |
| Loan and lease loss provision to assets | 0.0722% | 5,408 |
| Net operating income to assets | 0.8920% | 2,675 |
| Return on assets (ROA) | 1.0390% | 2,170 |
| Pretax return on assets | 1.6715% | 1,106 |
| Return on Equity (ROE) | 10.4147% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.4147% | 765 |
| Net charge-offs to loans | 2.1305% | 607 |
| Credit loss provision to net charge-offs | 6.9061% | 5,276 |
| Earnings coverage of net charge-offs (x) | 1.4484% | 4,200 |
| Efficiency ratio | 50.5301% | 6,901 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7975% | 3,004 |
| Loan loss allowance to noncurrent loans | 24.3377% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 3.6360% | 1,809 |
| Noncurrent loans to loans | 7.3855% | 660 |
| Net loans and leases to total assets | 46.5689% | 6,207 |
| Net loans and leases to deposits | 51.8420% | 6,485 |
| Net loans and leases to core deposits | 470.2457% | 36 |
| Total domestic deposits to total assets | 89.8286% | 1,058 |
| Equity capital to assets | 9.7945% | 4,393 |
| Core capital (leverage) ratio | 9.5817% | 3,844 |
| Tier 1 risk-based capital ratio | 30.2125% | 521 |
| Total risk-based capital ratio | 31.4803% | 511 |
| Memoranda: | ||
| Average total assets | $1,454,462,000 | 468 |
| Average earning assets | $1,436,254,330 | 422 |
| Average equity | $145,102,000 | 489 |
| Average total loans | $713,631,330 | 592 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2427% | 7,328 |
| Cost of funding earning assets | 0.0450% | 7,540 |
| Net interest margin | 3.1977% | 6,074 |
| Noninterest income to average assets | -0.0486% | 7,353 |
| Noninterest expense to average assets | 1.4646% | 7,386 |
| Loan and lease loss provision to assets | -0.0819% | 7,482 |
| Net operating income to assets | 1.0644% | 1,962 |
| Return on assets (ROA) | 1.1944% | 1,580 |
| Pretax return on assets | 1.9217% | 649 |
| Return on Equity (ROE) | 11.8528% | 1,499 |
| Retained earnings to average equity (ytd only) | 11.8528% | 756 |
| Net charge-offs to loans | 2.2973% | 522 |
| Credit loss provision to net charge-offs | -7.1358% | 5,580 |
| Earnings coverage of net charge-offs (x) | 1.4257% | 3,636 |
| Efficiency ratio | 47.2255% | 7,146 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5099% | 1,444 |
| Loan loss allowance to noncurrent loans | 28.3302% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 4.0766% | 1,640 |
| Noncurrent loans to loans | 8.8595% | 515 |
| Net loans and leases to total assets | 42.4128% | 6,584 |
| Net loans and leases to deposits | 47.1915% | 6,785 |
| Net loans and leases to core deposits | 479.0750% | 35 |
| Total domestic deposits to total assets | 89.8737% | 1,231 |
| Equity capital to assets | 9.7192% | 4,151 |
| Core capital (leverage) ratio | 9.7612% | 3,429 |
| Tier 1 risk-based capital ratio | 29.6630% | 535 |
| Total risk-based capital ratio | 30.9384% | 525 |
| Memoranda: | ||
| Average total assets | $1,406,275,000 | 488 |
| Average earning assets | $1,385,259,500 | 445 |
| Average equity | $141,705,000 | 497 |
| Average total loans | $702,733,500 | 609 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 7,330 |
| Cost of funding earning assets | 0.0448% | 7,607 |
| Net interest margin | 3.5949% | 4,842 |
| Noninterest income to average assets | -0.1229% | 7,410 |
| Noninterest expense to average assets | 1.5276% | 7,435 |
| Loan and lease loss provision to assets | 1.4491% | 1,027 |
| Net operating income to assets | 0.2072% | 5,251 |
| Return on assets (ROA) | 0.6440% | 3,613 |
| Pretax return on assets | 1.1111% | 2,535 |
| Return on Equity (ROE) | 6.5911% | 3,303 |
| Retained earnings to average equity (ytd only) | 6.5911% | 1,510 |
| Net charge-offs to loans | 2.6557% | 686 |
| Credit loss provision to net charge-offs | 80.5692% | 5,545 |
| Earnings coverage of net charge-offs (x) | 1.0440% | 5,065 |
| Efficiency ratio | 44.8594% | 7,387 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6389% | 1,243 |
| Loan loss allowance to noncurrent loans | 36.3989% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 4.2976% | 1,554 |
| Noncurrent loans to loans | 7.2499% | 758 |
| Net loans and leases to total assets | 55.4751% | 5,418 |
| Net loans and leases to deposits | 62.2787% | 5,826 |
| Net loans and leases to core deposits | 615.3320% | 31 |
| Total domestic deposits to total assets | 89.0756% | 1,608 |
| Equity capital to assets | 10.4640% | 3,194 |
| Core capital (leverage) ratio | 10.1207% | 2,957 |
| Tier 1 risk-based capital ratio | 29.2222% | 535 |
| Total risk-based capital ratio | 30.5106% | 524 |
| Memoranda: | ||
| Average total assets | $1,105,672,000 | 598 |
| Average earning assets | $1,085,147,200 | 555 |
| Average equity | $108,025,000 | 624 |
| Average total loans | $748,801,800 | 581 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 7,417 |
| Cost of funding earning assets | 0.0448% | 7,718 |
| Net interest margin | 3.7307% | 4,260 |
| Noninterest income to average assets | -0.1113% | 7,548 |
| Noninterest expense to average assets | 1.5527% | 7,524 |
| Loan and lease loss provision to assets | 0.6988% | 2,196 |
| Net operating income to assets | 0.8264% | 2,888 |
| Return on assets (ROA) | 0.8264% | 3,036 |
| Pretax return on assets | 1.2953% | 2,186 |
| Return on Equity (ROE) | 8.6574% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.6574% | 1,177 |
| Net charge-offs to loans | 2.5396% | 659 |
| Credit loss provision to net charge-offs | 38.6489% | 6,034 |
| Earnings coverage of net charge-offs (x) | 1.1029% | 4,953 |
| Efficiency ratio | 43.7763% | 7,471 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 1,837 |
| Loan loss allowance to noncurrent loans | 27.3885% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 5.2629% | 1,189 |
| Noncurrent loans to loans | 7.9722% | 653 |
| Net loans and leases to total assets | 59.8533% | 4,940 |
| Net loans and leases to deposits | 66.4821% | 5,611 |
| Net loans and leases to core deposits | 703.1627% | 31 |
| Total domestic deposits to total assets | 90.0291% | 864 |
| Equity capital to assets | 9.4451% | 4,927 |
| Core capital (leverage) ratio | 8.0014% | 6,343 |
| Tier 1 risk-based capital ratio | 20.7424% | 1,406 |
| Total risk-based capital ratio | 22.0203% | 1,376 |
| Memoranda: | ||
| Average total assets | $1,044,634,250 | 635 |
| Average earning assets | $1,024,306,000 | 581 |
| Average equity | $99,720,000 | 673 |
| Average total loans | $743,724,250 | 588 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8977% | 7,429 |
| Cost of funding earning assets | 0.0451% | 7,787 |
| Net interest margin | 3.8526% | 3,668 |
| Noninterest income to average assets | -0.0717% | 7,606 |
| Noninterest expense to average assets | 1.5809% | 7,575 |
| Loan and lease loss provision to assets | 1.1663% | 1,218 |
| Net operating income to assets | 0.6080% | 3,849 |
| Return on assets (ROA) | 0.6080% | 3,982 |
| Pretax return on assets | 0.9508% | 3,309 |
| Return on Equity (ROE) | 6.3435% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.3435% | 2,146 |
| Net charge-offs to loans | 2.9324% | 553 |
| Credit loss provision to net charge-offs | 53.0107% | 5,355 |
| Earnings coverage of net charge-offs (x) | 0.9623% | 4,816 |
| Efficiency ratio | 42.7490% | 7,559 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7234% | 1,066 |
| Loan loss allowance to noncurrent loans | 32.6855% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 5.9598% | 994 |
| Noncurrent loans to loans | 8.3321% | 609 |
| Net loans and leases to total assets | 64.6333% | 4,127 |
| Net loans and leases to deposits | 71.9703% | 5,000 |
| Net loans and leases to core deposits | 799.8949% | 31 |
| Total domestic deposits to total assets | 89.8055% | 1,020 |
| Equity capital to assets | 9.6626% | 4,448 |
| Core capital (leverage) ratio | 8.4893% | 5,430 |
| Tier 1 risk-based capital ratio | 24.7547% | 866 |
| Total risk-based capital ratio | 26.0552% | 846 |
| Memoranda: | ||
| Average total assets | $1,006,904,670 | 657 |
| Average earning assets | $985,247,000 | 608 |
| Average equity | $96,507,670 | 681 |
| Average total loans | $755,477,670 | 574 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 7,584 |
| Cost of funding earning assets | 0.0440% | 7,892 |
| Net interest margin | 3.7658% | 3,936 |
| Noninterest income to average assets | -0.0523% | 7,729 |
| Noninterest expense to average assets | 1.5666% | 7,678 |
| Loan and lease loss provision to assets | 0.4107% | 2,905 |
| Net operating income to assets | 1.0545% | 1,990 |
| Return on assets (ROA) | 1.0545% | 2,051 |
| Pretax return on assets | 1.6489% | 1,162 |
| Return on Equity (ROE) | 11.0502% | 1,777 |
| Retained earnings to average equity (ytd only) | 11.0502% | 910 |
| Net charge-offs to loans | 2.1019% | 812 |
| Credit loss provision to net charge-offs | 24.5516% | 4,894 |
| Earnings coverage of net charge-offs (x) | 1.2312% | 4,028 |
| Efficiency ratio | 43.2021% | 7,643 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7164% | 1,071 |
| Loan loss allowance to noncurrent loans | 38.4568% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 5.7595% | 1,056 |
| Noncurrent loans to loans | 7.0635% | 838 |
| Net loans and leases to total assets | 73.9622% | 1,979 |
| Net loans and leases to deposits | 82.2480% | 3,243 |
| Net loans and leases to core deposits | 708.1985% | 36 |
| Total domestic deposits to total assets | 89.9258% | 1,026 |
| Equity capital to assets | 9.4041% | 4,671 |
| Core capital (leverage) ratio | 9.3196% | 4,021 |
| Tier 1 risk-based capital ratio | 27.1547% | 697 |
| Total risk-based capital ratio | 28.4636% | 680 |
| Memoranda: | ||
| Average total assets | $986,590,500 | 688 |
| Average earning assets | $963,714,000 | 632 |
| Average equity | $94,152,000 | 706 |
| Average total loans | $785,211,500 | 577 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 7,102 |
| Cost of funding earning assets | 0.0435% | 7,985 |
| Net interest margin | 4.6784% | 872 |
| Noninterest income to average assets | -0.2512% | 7,881 |
| Noninterest expense to average assets | 1.7633% | 7,648 |
| Loan and lease loss provision to assets | 4.0470% | 326 |
| Net operating income to assets | -0.7193% | 6,383 |
| Return on assets (ROA) | -0.7193% | 6,376 |
| Pretax return on assets | -1.4669% | 6,680 |
| Return on Equity (ROE) | -6.0997% | 6,315 |
| Retained earnings to average equity (ytd only) | -6.0997% | 6,157 |
| Net charge-offs to loans | 2.3152% | 1,006 |
| Credit loss provision to net charge-offs | 185.0100% | 2,205 |
| Earnings coverage of net charge-offs (x) | 1.1795% | 4,945 |
| Efficiency ratio | 40.5970% | 7,847 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0367% | 748 |
| Loan loss allowance to noncurrent loans | 48.3132% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 5.7175% | 1,008 |
| Noncurrent loans to loans | 6.2854% | 971 |
| Net loans and leases to total assets | 80.8599% | 857 |
| Net loans and leases to deposits | 90.3023% | 2,174 |
| Net loans and leases to core deposits | 90.3023% | 5,091 |
| Total domestic deposits to total assets | 89.5435% | 1,185 |
| Equity capital to assets | 9.6917% | 4,151 |
| Core capital (leverage) ratio | 9.6745% | 3,493 |
| Tier 1 risk-based capital ratio | 25.3781% | 808 |
| Total risk-based capital ratio | 26.6948% | 786 |
| Memoranda: | ||
| Average total assets | $802,989,400 | 855 |
| Average earning assets | $788,598,600 | 775 |
| Average equity | $94,693,800 | 689 |
| Average total loans | $758,665,600 | 603 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9661% | 6,713 |
| Cost of funding earning assets | 0.0425% | 8,068 |
| Net interest margin | 4.9236% | 518 |
| Noninterest income to average assets | -0.1887% | 7,973 |
| Noninterest expense to average assets | 1.8166% | 7,646 |
| Loan and lease loss provision to assets | 4.6828% | 200 |
| Net operating income to assets | -0.9024% | 6,762 |
| Return on assets (ROA) | -0.9024% | 6,772 |
| Pretax return on assets | -1.8412% | 7,108 |
| Return on Equity (ROE) | -7.2494% | 6,685 |
| Retained earnings to average equity (ytd only) | -7.2494% | 6,536 |
| Net charge-offs to loans | 2.5135% | 729 |
| Credit loss provision to net charge-offs | 190.2322% | 2,387 |
| Earnings coverage of net charge-offs (x) | 1.1544% | 4,911 |
| Efficiency ratio | 38.9976% | 7,942 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6470% | 927 |
| Loan loss allowance to noncurrent loans | 38.8413% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 6.5462% | 764 |
| Noncurrent loans to loans | 6.8149% | 815 |
| Net loans and leases to total assets | 89.1252% | 149 |
| Net loans and leases to deposits | 101.3492% | 983 |
| Net loans and leases to core deposits | 101.3492% | 4,231 |
| Total domestic deposits to total assets | 87.9387% | 1,686 |
| Equity capital to assets | 10.2503% | 3,785 |
| Core capital (leverage) ratio | 10.2434% | 3,021 |
| Tier 1 risk-based capital ratio | 25.2472% | 871 |
| Total risk-based capital ratio | 26.5554% | 846 |
| Memoranda: | ||
| Average total assets | $765,221,750 | 908 |
| Average earning assets | $753,306,000 | 836 |
| Average equity | $95,251,000 | 690 |
| Average total loans | $749,429,000 | 630 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 4,980 |
| Cost of funding earning assets | 0.0418% | 8,165 |
| Net interest margin | 5.3916% | 213 |
| Noninterest income to average assets | -0.1685% | 8,056 |
| Noninterest expense to average assets | 1.9134% | 7,609 |
| Loan and lease loss provision to assets | 5.2916% | 180 |
| Net operating income to assets | -1.2791% | 7,150 |
| Return on assets (ROA) | -1.2791% | 7,160 |
| Pretax return on assets | -2.0576% | 7,307 |
| Return on Equity (ROE) | -9.5651% | 7,000 |
| Retained earnings to average equity (ytd only) | -9.5651% | 6,826 |
| Net charge-offs to loans | 2.1689% | 848 |
| Credit loss provision to net charge-offs | 242.4633% | 1,914 |
| Earnings coverage of net charge-offs (x) | 1.4818% | 4,422 |
| Efficiency ratio | 37.1719% | 8,056 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6235% | 800 |
| Loan loss allowance to noncurrent loans | 41.7161% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 6.7365% | 659 |
| Noncurrent loans to loans | 6.2889% | 861 |
| Net loans and leases to total assets | 98.7780% | 2 |
| Net loans and leases to deposits | 114.3396% | 384 |
| Net loans and leases to core deposits | 114.3396% | 2,873 |
| Total domestic deposits to total assets | 86.3900% | 2,573 |
| Equity capital to assets | 12.2008% | 2,088 |
| Core capital (leverage) ratio | 12.2008% | 1,746 |
| Tier 1 risk-based capital ratio | 26.1138% | 853 |
| Total risk-based capital ratio | 27.4186% | 821 |
| Memoranda: | ||
| Average total assets | $718,005,330 | 973 |
| Average earning assets | $707,920,670 | 908 |
| Average equity | $96,015,670 | 697 |
| Average total loans | $722,496,330 | 683 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8016% | 3,296 |
| Cost of funding earning assets | 0.0404% | 8,218 |
| Net interest margin | 5.7612% | 132 |
| Noninterest income to average assets | -0.1775% | 8,157 |
| Noninterest expense to average assets | 1.7749% | 7,728 |
| Loan and lease loss provision to assets | 5.1551% | 154 |
| Net operating income to assets | -0.8906% | 7,184 |
| Return on assets (ROA) | -0.8906% | 7,212 |
| Pretax return on assets | -1.4330% | 7,341 |
| Return on Equity (ROE) | -6.3526% | 7,093 |
| Retained earnings to average equity (ytd only) | -6.3526% | 6,728 |
| Net charge-offs to loans | 2.3374% | 624 |
| Credit loss provision to net charge-offs | 220.1625% | 2,051 |
| Earnings coverage of net charge-offs (x) | 1.5896% | 3,933 |
| Efficiency ratio | 32.2882% | 8,139 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 1,426 |
| Loan loss allowance to noncurrent loans | 36.4056% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 5.8606% | 696 |
| Noncurrent loans to loans | 5.4867% | 935 |
| Net loans and leases to total assets | 98.6860% | 2 |
| Net loans and leases to deposits | 116.8162% | 365 |
| Net loans and leases to core deposits | 116.8162% | 2,702 |
| Total domestic deposits to total assets | 84.4797% | 3,468 |
| Equity capital to assets | 13.7604% | 1,433 |
| Core capital (leverage) ratio | 13.7604% | 1,246 |
| Tier 1 risk-based capital ratio | 27.2263% | 804 |
| Total risk-based capital ratio | 28.5101% | 777 |
| Memoranda: | ||
| Average total assets | $693,914,000 | 1,019 |
| Average earning assets | $683,468,500 | 933 |
| Average equity | $97,283,000 | 689 |
| Average total loans | $695,137,000 | 713 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7488% | 6,603 |
| Cost of funding earning assets | 0.7586% | 8,128 |
| Net interest margin | 4.9902% | 520 |
| Noninterest income to average assets | -0.0992% | 8,201 |
| Noninterest expense to average assets | 1.6504% | 7,914 |
| Loan and lease loss provision to assets | 1.6768% | 774 |
| Net operating income to assets | 0.9494% | 2,794 |
| Return on assets (ROA) | 1.3515% | 1,300 |
| Pretax return on assets | 2.1258% | 464 |
| Return on Equity (ROE) | 12.7363% | 1,397 |
| Retained earnings to average equity (ytd only) | 12.7363% | 182 |
| Net charge-offs to loans | 0.7244% | 1,704 |
| Credit loss provision to net charge-offs | 257.4117% | 1,802 |
| Earnings coverage of net charge-offs (x) | 4.8669% | 3,828 |
| Efficiency ratio | 34.2345% | 8,210 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 3,481 |
| Loan loss allowance to noncurrent loans | 34.5424% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 4.5546% | 819 |
| Noncurrent loans to loans | 3.9061% | 1,261 |
| Net loans and leases to total assets | 98.2992% | 3 |
| Net loans and leases to deposits | 117.3682% | 464 |
| Net loans and leases to core deposits | 117.3682% | 2,964 |
| Total domestic deposits to total assets | 83.7529% | 3,457 |
| Equity capital to assets | 14.2842% | 1,356 |
| Core capital (leverage) ratio | 14.2842% | 1,194 |
| Tier 1 risk-based capital ratio | 27.3871% | 803 |
| Total risk-based capital ratio | 28.6536% | 777 |
| Memoranda: | ||
| Average total assets | $864,717,600 | 783 |
| Average earning assets | $852,545,200 | 708 |
| Average equity | $91,761,600 | 729 |
| Average total loans | $777,614,000 | 612 |