Home > Farmers and Merchants Savings Bank > Performance and Condition Ratios
Farmers and Merchants Savings Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 2,482 |
| Cost of funding earning assets | 0.9773% | 1,665 |
| Net interest margin | 3.6386% | 3,110 |
| Noninterest income to average assets | 0.4419% | 2,900 |
| Noninterest expense to average assets | 2.3612% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5102% | 1,089 |
| Return on assets (ROA) | 1.5102% | 1,117 |
| Pretax return on assets | 1.5784% | 1,525 |
| Return on Equity (ROE) | 9.8560% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.8560% | 1,073 |
| Net charge-offs to loans | -0.0306% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9359% | 3,813 |
| Assets per employee ($millions) | 5.6450% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 3,813 |
| Loan loss allowance to noncurrent loans | 11,680.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 4,851 |
| Noncurrent loans to loans | 0.0084% | 4,754 |
| Net loans and leases to total assets | 74.4719% | 1,719 |
| Net loans and leases to deposits | 99.1718% | 685 |
| Net loans and leases to core deposits | 115.2831% | 673 |
| Total domestic deposits to total assets | 75.0938% | 4,846 |
| Equity capital to assets | 15.6187% | 632 |
| Core capital (leverage) ratio | 15.7090% | 572 |
| Tier 1 risk-based capital ratio | 18.7308% | 1,603 |
| Total risk-based capital ratio | 19.6172% | 1,639 |
| Memoranda: | ||
| Average total assets | $158,391,000 | 3,312 |
| Average earning assets | $152,256,500 | 3,246 |
| Average equity | $24,269,500 | 2,783 |
| Average total loans | $117,773,000 | 3,046 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 2,161 |
| Cost of funding earning assets | 0.8649% | 1,244 |
| Net interest margin | 3.7244% | 2,947 |
| Noninterest income to average assets | 0.5159% | 2,742 |
| Noninterest expense to average assets | 2.0769% | 4,612 |
| Loan and lease loss provision to assets | -0.5197% | 5,385 |
| Net operating income to assets | 2.4139% | 167 |
| Return on assets (ROA) | 2.3936% | 171 |
| Pretax return on assets | 2.5199% | 198 |
| Return on Equity (ROE) | 17.2425% | 471 |
| Retained earnings to average equity (ytd only) | 17.2425% | 64 |
| Net charge-offs to loans | -0.0491% | 4,968 |
| Credit loss provision to net charge-offs | 1,476.7857% | 288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6746% | 4,898 |
| Assets per employee ($millions) | 5.8786% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,739 |
| Loan loss allowance to noncurrent loans | 1,103.8095% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 4,505 |
| Noncurrent loans to loans | 0.0900% | 4,346 |
| Net loans and leases to total assets | 72.7742% | 2,133 |
| Net loans and leases to deposits | 96.3080% | 1,044 |
| Net loans and leases to core deposits | 112.3269% | 866 |
| Total domestic deposits to total assets | 75.5640% | 4,802 |
| Equity capital to assets | 15.0276% | 703 |
| Core capital (leverage) ratio | 15.2348% | 636 |
| Tier 1 risk-based capital ratio | 18.5207% | 1,614 |
| Total risk-based capital ratio | 19.4119% | 1,660 |
| Memoranda: | ||
| Average total assets | $159,134,800 | 3,294 |
| Average earning assets | $153,072,800 | 3,210 |
| Average equity | $22,090,800 | 2,891 |
| Average total loans | $114,147,200 | 3,077 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 2,090 |
| Cost of funding earning assets | 0.8420% | 1,144 |
| Net interest margin | 3.7220% | 2,932 |
| Noninterest income to average assets | 0.4999% | 2,864 |
| Noninterest expense to average assets | 1.9425% | 4,833 |
| Loan and lease loss provision to assets | -0.5777% | 5,459 |
| Net operating income to assets | 2.5821% | 138 |
| Return on assets (ROA) | 2.5806% | 137 |
| Pretax return on assets | 2.7162% | 163 |
| Return on Equity (ROE) | 18.9798% | 340 |
| Retained earnings to average equity (ytd only) | 18.9798% | 72 |
| Net charge-offs to loans | -0.0587% | 4,992 |
| Credit loss provision to net charge-offs | 1,380.0000% | 293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5800% | 5,070 |
| Assets per employee ($millions) | 5.6295% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 3,127 |
| Loan loss allowance to noncurrent loans | 310.0962% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 3,632 |
| Noncurrent loans to loans | 0.3585% | 3,364 |
| Net loans and leases to total assets | 72.8044% | 2,204 |
| Net loans and leases to deposits | 95.9138% | 1,165 |
| Net loans and leases to core deposits | 114.1382% | 809 |
| Total domestic deposits to total assets | 75.9061% | 4,799 |
| Equity capital to assets | 14.5516% | 819 |
| Core capital (leverage) ratio | 14.7806% | 760 |
| Tier 1 risk-based capital ratio | 18.0489% | 1,778 |
| Total risk-based capital ratio | 19.0457% | 1,806 |
| Memoranda: | ||
| Average total assets | $159,238,250 | 3,315 |
| Average earning assets | $153,282,500 | 3,236 |
| Average equity | $21,650,500 | 2,940 |
| Average total loans | $113,517,250 | 3,110 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 1,847 |
| Cost of funding earning assets | 0.8179% | 1,053 |
| Net interest margin | 3.7606% | 2,711 |
| Noninterest income to average assets | 0.5007% | 2,864 |
| Noninterest expense to average assets | 1.9803% | 4,833 |
| Loan and lease loss provision to assets | -0.8637% | 5,530 |
| Net operating income to assets | 2.8539% | 95 |
| Return on assets (ROA) | 2.8515% | 95 |
| Pretax return on assets | 3.0017% | 113 |
| Return on Equity (ROE) | 21.4686% | 185 |
| Retained earnings to average equity (ytd only) | 21.4686% | 53 |
| Net charge-offs to loans | -0.0976% | 5,151 |
| Credit loss provision to net charge-offs | 1,254.5455% | 332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0559% | 5,116 |
| Assets per employee ($millions) | 5.5204% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,156 |
| Loan loss allowance to noncurrent loans | 2,122.9508% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 4,837 |
| Noncurrent loans to loans | 0.0527% | 4,678 |
| Net loans and leases to total assets | 71.5312% | 2,352 |
| Net loans and leases to deposits | 94.4064% | 1,310 |
| Net loans and leases to core deposits | 111.7808% | 897 |
| Total domestic deposits to total assets | 75.7694% | 4,877 |
| Equity capital to assets | 13.9408% | 949 |
| Core capital (leverage) ratio | 14.1635% | 869 |
| Tier 1 risk-based capital ratio | 17.5121% | 1,939 |
| Total risk-based capital ratio | 18.5176% | 1,965 |
| Memoranda: | ||
| Average total assets | $159,776,000 | 3,324 |
| Average earning assets | $153,805,000 | 3,245 |
| Average equity | $21,221,670 | 2,997 |
| Average total loans | $112,673,670 | 3,132 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 1,233 |
| Cost of funding earning assets | 0.7850% | 1,018 |
| Net interest margin | 3.9460% | 1,878 |
| Noninterest income to average assets | 0.5212% | 2,678 |
| Noninterest expense to average assets | 1.7767% | 5,174 |
| Loan and lease loss provision to assets | 0.0752% | 2,263 |
| Net operating income to assets | 2.3378% | 193 |
| Return on assets (ROA) | 2.3331% | 197 |
| Pretax return on assets | 2.4559% | 236 |
| Return on Equity (ROE) | 18.0134% | 409 |
| Retained earnings to average equity (ytd only) | 18.0134% | 154 |
| Net charge-offs to loans | -0.1116% | 5,242 |
| Credit loss provision to net charge-offs | -96.7742% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1970% | 5,426 |
| Assets per employee ($millions) | 5.7410% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 865 |
| Loan loss allowance to noncurrent loans | 1,618.6992% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 4,706 |
| Noncurrent loans to loans | 0.1081% | 4,492 |
| Net loans and leases to total assets | 69.5345% | 2,556 |
| Net loans and leases to deposits | 89.5232% | 1,745 |
| Net loans and leases to core deposits | 102.5440% | 1,481 |
| Total domestic deposits to total assets | 77.6720% | 4,773 |
| Equity capital to assets | 13.0452% | 1,219 |
| Core capital (leverage) ratio | 13.4276% | 1,029 |
| Tier 1 risk-based capital ratio | 16.5960% | 2,245 |
| Total risk-based capital ratio | 17.8497% | 2,187 |
| Memoranda: | ||
| Average total assets | $159,618,500 | 3,361 |
| Average earning assets | $153,371,000 | 3,282 |
| Average equity | $20,673,500 | 3,092 |
| Average total loans | $111,105,500 | 3,176 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 2,324 |
| Cost of funding earning assets | 0.6709% | 1,178 |
| Net interest margin | 3.6313% | 3,058 |
| Noninterest income to average assets | 0.5129% | 2,919 |
| Noninterest expense to average assets | 2.0349% | 4,902 |
| Loan and lease loss provision to assets | 0.0771% | 2,658 |
| Net operating income to assets | 1.8160% | 406 |
| Return on assets (ROA) | 1.8074% | 420 |
| Pretax return on assets | 1.8916% | 610 |
| Return on Equity (ROE) | 14.0366% | 753 |
| Retained earnings to average equity (ytd only) | 8.0466% | 749 |
| Net charge-offs to loans | -0.0301% | 5,065 |
| Credit loss provision to net charge-offs | -375.0000% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7128% | 5,184 |
| Assets per employee ($millions) | 5.6603% | 1,781 |
| Cash dividends to net income (ytd only)* | 42.6743% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 804 |
| Loan loss allowance to noncurrent loans | 117.6722% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 1,476 |
| Noncurrent loans to loans | 1.5132% | 1,123 |
| Net loans and leases to total assets | 67.2057% | 2,938 |
| Net loans and leases to deposits | 85.0512% | 2,364 |
| Net loans and leases to core deposits | 92.3150% | 2,343 |
| Total domestic deposits to total assets | 79.0180% | 4,537 |
| Equity capital to assets | 12.8571% | 1,335 |
| Core capital (leverage) ratio | 12.9254% | 1,168 |
| Tier 1 risk-based capital ratio | 16.4597% | 2,280 |
| Total risk-based capital ratio | 17.7139% | 2,216 |
| Memoranda: | ||
| Average total assets | $155,583,200 | 3,408 |
| Average earning assets | $149,947,200 | 3,325 |
| Average equity | $20,033,400 | 3,143 |
| Average total loans | $106,487,600 | 3,239 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,241 |
| Cost of funding earning assets | 0.6591% | 1,185 |
| Net interest margin | 3.6500% | 2,951 |
| Noninterest income to average assets | 0.5123% | 2,958 |
| Noninterest expense to average assets | 1.9811% | 4,993 |
| Loan and lease loss provision to assets | 0.0775% | 2,528 |
| Net operating income to assets | 1.8832% | 401 |
| Return on assets (ROA) | 1.8718% | 417 |
| Pretax return on assets | 1.9605% | 597 |
| Return on Equity (ROE) | 14.5311% | 732 |
| Retained earnings to average equity (ytd only) | 14.5311% | 136 |
| Net charge-offs to loans | -0.0830% | 5,328 |
| Credit loss provision to net charge-offs | -136.3636% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1457% | 5,282 |
| Assets per employee ($millions) | 5.5382% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 906 |
| Loan loss allowance to noncurrent loans | 147.0365% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 2,023 |
| Noncurrent loans to loans | 1.2027% | 1,584 |
| Net loans and leases to total assets | 69.3162% | 2,660 |
| Net loans and leases to deposits | 88.4304% | 1,997 |
| Net loans and leases to core deposits | 96.9199% | 1,988 |
| Total domestic deposits to total assets | 78.3851% | 4,651 |
| Equity capital to assets | 13.6842% | 1,084 |
| Core capital (leverage) ratio | 13.5767% | 997 |
| Tier 1 risk-based capital ratio | 16.7367% | 2,236 |
| Total risk-based capital ratio | 17.9904% | 2,191 |
| Memoranda: | ||
| Average total assets | $154,857,000 | 3,445 |
| Average earning assets | $149,292,500 | 3,361 |
| Average equity | $19,947,500 | 3,170 |
| Average total loans | $105,998,500 | 3,272 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3237% | 2,053 |
| Cost of funding earning assets | 0.6414% | 1,203 |
| Net interest margin | 3.6823% | 2,712 |
| Noninterest income to average assets | 0.4858% | 3,109 |
| Noninterest expense to average assets | 2.0234% | 4,922 |
| Loan and lease loss provision to assets | 0.0775% | 2,431 |
| Net operating income to assets | 1.8502% | 411 |
| Return on assets (ROA) | 1.8477% | 426 |
| Pretax return on assets | 1.9356% | 607 |
| Return on Equity (ROE) | 14.6491% | 713 |
| Retained earnings to average equity (ytd only) | 14.6491% | 153 |
| Net charge-offs to loans | -0.0496% | 5,173 |
| Credit loss provision to net charge-offs | -230.7692% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0960% | 5,301 |
| Assets per employee ($millions) | 6.1706% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 1,001 |
| Loan loss allowance to noncurrent loans | 454.8780% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 4,062 |
| Noncurrent loans to loans | 0.3820% | 3,651 |
| Net loans and leases to total assets | 68.3570% | 2,755 |
| Net loans and leases to deposits | 86.8117% | 2,133 |
| Net loans and leases to core deposits | 95.7818% | 2,001 |
| Total domestic deposits to total assets | 78.7418% | 4,683 |
| Equity capital to assets | 13.3102% | 1,227 |
| Core capital (leverage) ratio | 12.9962% | 1,176 |
| Tier 1 risk-based capital ratio | 16.7173% | 2,228 |
| Total risk-based capital ratio | 17.9711% | 2,189 |
| Memoranda: | ||
| Average total assets | $154,786,330 | 3,456 |
| Average earning assets | $149,363,330 | 3,381 |
| Average equity | $19,523,330 | 3,213 |
| Average total loans | $104,857,000 | 3,302 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,298 |
| Cost of funding earning assets | 0.6094% | 1,306 |
| Net interest margin | 3.5842% | 2,941 |
| Noninterest income to average assets | 0.4592% | 3,260 |
| Noninterest expense to average assets | 1.9375% | 5,171 |
| Loan and lease loss provision to assets | 0.0774% | 2,263 |
| Net operating income to assets | 1.8188% | 433 |
| Return on assets (ROA) | 1.8188% | 442 |
| Pretax return on assets | 1.9039% | 626 |
| Return on Equity (ROE) | 14.8277% | 671 |
| Retained earnings to average equity (ytd only) | 14.8277% | 241 |
| Net charge-offs to loans | -0.0386% | 5,056 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4404% | 5,405 |
| Assets per employee ($millions) | 5.7090% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 1,052 |
| Loan loss allowance to noncurrent loans | 180.0990% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 2,668 |
| Noncurrent loans to loans | 0.9729% | 2,102 |
| Net loans and leases to total assets | 66.1654% | 2,947 |
| Net loans and leases to deposits | 83.2469% | 2,367 |
| Net loans and leases to core deposits | 91.7663% | 2,188 |
| Total domestic deposits to total assets | 79.4809% | 4,714 |
| Equity capital to assets | 12.6499% | 1,444 |
| Core capital (leverage) ratio | 12.6177% | 1,282 |
| Tier 1 risk-based capital ratio | 16.5438% | 2,340 |
| Total risk-based capital ratio | 17.7968% | 2,292 |
| Memoranda: | ||
| Average total assets | $155,047,000 | 3,488 |
| Average earning assets | $149,656,000 | 3,405 |
| Average equity | $19,018,500 | 3,289 |
| Average total loans | $103,627,500 | 3,350 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 2,637 |
| Cost of funding earning assets | 0.5762% | 1,508 |
| Net interest margin | 3.5806% | 3,134 |
| Noninterest income to average assets | 0.5286% | 3,037 |
| Noninterest expense to average assets | 1.9654% | 5,258 |
| Loan and lease loss provision to assets | 0.1116% | 2,196 |
| Net operating income to assets | 1.8151% | 434 |
| Return on assets (ROA) | 1.8288% | 439 |
| Pretax return on assets | 1.9181% | 595 |
| Return on Equity (ROE) | 14.8993% | 641 |
| Retained earnings to average equity (ytd only) | 8.4795% | 709 |
| Net charge-offs to loans | -0.0720% | 5,487 |
| Credit loss provision to net charge-offs | -232.8767% | 5,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3731% | 5,513 |
| Assets per employee ($millions) | 5.7759% | 1,638 |
| Cash dividends to net income (ytd only)* | 43.0880% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 1,101 |
| Loan loss allowance to noncurrent loans | 1,411.9048% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 5,019 |
| Noncurrent loans to loans | 0.1218% | 4,747 |
| Net loans and leases to total assets | 65.1920% | 3,195 |
| Net loans and leases to deposits | 81.1363% | 2,774 |
| Net loans and leases to core deposits | 89.0714% | 2,581 |
| Total domestic deposits to total assets | 80.3488% | 4,496 |
| Equity capital to assets | 11.8871% | 1,890 |
| Core capital (leverage) ratio | 12.0865% | 1,549 |
| Tier 1 risk-based capital ratio | 15.9779% | 2,553 |
| Total risk-based capital ratio | 17.2313% | 2,490 |
| Memoranda: | ||
| Average total assets | $152,283,000 | 3,483 |
| Average earning assets | $146,819,600 | 3,405 |
| Average equity | $18,692,200 | 3,316 |
| Average total loans | $101,393,800 | 3,361 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 2,677 |
| Cost of funding earning assets | 0.5651% | 1,577 |
| Net interest margin | 3.5862% | 3,126 |
| Noninterest income to average assets | 0.4942% | 3,295 |
| Noninterest expense to average assets | 2.0039% | 5,195 |
| Loan and lease loss provision to assets | 0.1233% | 1,891 |
| Net operating income to assets | 1.7442% | 547 |
| Return on assets (ROA) | 1.7626% | 553 |
| Pretax return on assets | 1.8462% | 812 |
| Return on Equity (ROE) | 14.2436% | 774 |
| Retained earnings to average equity (ytd only) | 14.2436% | 158 |
| Net charge-offs to loans | -0.0608% | 5,425 |
| Credit loss provision to net charge-offs | -304.3478% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6794% | 5,456 |
| Assets per employee ($millions) | 5.6385% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 1,307 |
| Loan loss allowance to noncurrent loans | 125.2364% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 2,296 |
| Noncurrent loans to loans | 1.3243% | 1,677 |
| Net loans and leases to total assets | 67.0689% | 2,942 |
| Net loans and leases to deposits | 84.9099% | 2,381 |
| Net loans and leases to core deposits | 93.1717% | 2,259 |
| Total domestic deposits to total assets | 78.9883% | 4,727 |
| Equity capital to assets | 12.9763% | 1,496 |
| Core capital (leverage) ratio | 12.5137% | 1,395 |
| Tier 1 risk-based capital ratio | 16.2731% | 2,513 |
| Total risk-based capital ratio | 17.5251% | 2,459 |
| Memoranda: | ||
| Average total assets | $151,366,250 | 3,514 |
| Average earning assets | $146,038,750 | 3,434 |
| Average equity | $18,730,750 | 3,333 |
| Average total loans | $100,880,750 | 3,376 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,609 |
| Cost of funding earning assets | 0.5439% | 1,748 |
| Net interest margin | 3.6249% | 2,997 |
| Noninterest income to average assets | 0.4633% | 3,438 |
| Noninterest expense to average assets | 2.0228% | 5,225 |
| Loan and lease loss provision to assets | 0.1456% | 1,574 |
| Net operating income to assets | 1.7158% | 567 |
| Return on assets (ROA) | 1.7435% | 560 |
| Pretax return on assets | 1.8269% | 829 |
| Return on Equity (ROE) | 14.3235% | 783 |
| Retained earnings to average equity (ytd only) | 14.3235% | 169 |
| Net charge-offs to loans | -0.0861% | 5,571 |
| Credit loss provision to net charge-offs | -255.8140% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0013% | 5,502 |
| Assets per employee ($millions) | 5.7263% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 1,391 |
| Loan loss allowance to noncurrent loans | 888.9474% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 5,018 |
| Noncurrent loans to loans | 0.1861% | 4,688 |
| Net loans and leases to total assets | 64.9553% | 3,232 |
| Net loans and leases to deposits | 81.4964% | 2,762 |
| Net loans and leases to core deposits | 91.5112% | 2,388 |
| Total domestic deposits to total assets | 79.7033% | 4,625 |
| Equity capital to assets | 12.4267% | 1,823 |
| Core capital (leverage) ratio | 11.9104% | 1,695 |
| Tier 1 risk-based capital ratio | 16.1305% | 2,576 |
| Total risk-based capital ratio | 17.3835% | 2,523 |
| Memoranda: | ||
| Average total assets | $151,075,330 | 3,546 |
| Average earning assets | $145,991,000 | 3,457 |
| Average equity | $18,389,330 | 3,385 |
| Average total loans | $99,898,670 | 3,409 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,589 |
| Cost of funding earning assets | 0.4965% | 2,138 |
| Net interest margin | 3.6724% | 2,792 |
| Noninterest income to average assets | 0.4260% | 3,642 |
| Noninterest expense to average assets | 2.0146% | 5,301 |
| Loan and lease loss provision to assets | 0.0804% | 2,349 |
| Net operating income to assets | 1.7950% | 473 |
| Return on assets (ROA) | 1.7950% | 508 |
| Pretax return on assets | 1.8780% | 724 |
| Return on Equity (ROE) | 14.9075% | 685 |
| Retained earnings to average equity (ytd only) | 14.9075% | 254 |
| Net charge-offs to loans | -0.0526% | 5,354 |
| Credit loss provision to net charge-offs | -230.7692% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7080% | 5,583 |
| Assets per employee ($millions) | 5.6108% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 1,704 |
| Loan loss allowance to noncurrent loans | 1,253.1746% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 5,248 |
| Noncurrent loans to loans | 0.1256% | 4,974 |
| Net loans and leases to total assets | 65.1949% | 3,082 |
| Net loans and leases to deposits | 80.3542% | 2,743 |
| Net loans and leases to core deposits | 90.5046% | 2,321 |
| Total domestic deposits to total assets | 81.1343% | 4,457 |
| Equity capital to assets | 12.1412% | 1,929 |
| Core capital (leverage) ratio | 11.9900% | 1,609 |
| Tier 1 risk-based capital ratio | 15.8788% | 2,747 |
| Total risk-based capital ratio | 17.1304% | 2,675 |
| Memoranda: | ||
| Average total assets | $149,307,500 | 3,593 |
| Average earning assets | $144,212,500 | 3,494 |
| Average equity | $17,977,500 | 3,444 |
| Average total loans | $98,789,500 | 3,444 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 2,779 |
| Cost of funding earning assets | 0.4838% | 2,324 |
| Net interest margin | 3.6541% | 2,922 |
| Noninterest income to average assets | 0.5242% | 3,173 |
| Noninterest expense to average assets | 1.9837% | 5,488 |
| Loan and lease loss provision to assets | 0.0813% | 2,664 |
| Net operating income to assets | 1.9178% | 397 |
| Return on assets (ROA) | 1.9139% | 410 |
| Pretax return on assets | 1.9952% | 543 |
| Return on Equity (ROE) | 16.5461% | 504 |
| Retained earnings to average equity (ytd only) | 9.5201% | 531 |
| Net charge-offs to loans | 0.0338% | 3,532 |
| Credit loss provision to net charge-offs | 375.0000% | 794 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 597 |
| Efficiency ratio | 48.8085% | 5,807 |
| Assets per employee ($millions) | 5.2544% | 2,054 |
| Cash dividends to net income (ytd only)* | 42.4628% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,680 |
| Loan loss allowance to noncurrent loans | 38,400.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,716 |
| Noncurrent loans to loans | 0.0041% | 5,540 |
| Net loans and leases to total assets | 65.0469% | 3,115 |
| Net loans and leases to deposits | 78.6992% | 2,976 |
| Net loans and leases to core deposits | 87.3509% | 2,667 |
| Total domestic deposits to total assets | 82.6526% | 3,961 |
| Equity capital to assets | 11.9370% | 2,007 |
| Core capital (leverage) ratio | 11.3702% | 2,068 |
| Tier 1 risk-based capital ratio | 15.8357% | 2,767 |
| Total risk-based capital ratio | 17.0875% | 2,701 |
| Memoranda: | ||
| Average total assets | $147,656,800 | 3,608 |
| Average earning assets | $143,046,200 | 3,498 |
| Average equity | $17,079,600 | 3,519 |
| Average total loans | $94,719,400 | 3,485 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 2,997 |
| Cost of funding earning assets | 0.4907% | 2,311 |
| Net interest margin | 3.5967% | 3,175 |
| Noninterest income to average assets | 0.5025% | 3,346 |
| Noninterest expense to average assets | 1.9072% | 5,626 |
| Loan and lease loss provision to assets | 0.0812% | 2,548 |
| Net operating income to assets | 1.9245% | 407 |
| Return on assets (ROA) | 1.9288% | 421 |
| Pretax return on assets | 2.0100% | 592 |
| Return on Equity (ROE) | 16.8088% | 488 |
| Retained earnings to average equity (ytd only) | 16.8088% | 108 |
| Net charge-offs to loans | -0.0510% | 5,557 |
| Credit loss provision to net charge-offs | -250.0000% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7524% | 5,880 |
| Assets per employee ($millions) | 5.2950% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 1,688 |
| Loan loss allowance to noncurrent loans | 948.1928% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 5,303 |
| Noncurrent loans to loans | 0.1715% | 4,967 |
| Net loans and leases to total assets | 64.2057% | 3,277 |
| Net loans and leases to deposits | 76.9533% | 3,201 |
| Net loans and leases to core deposits | 87.2057% | 2,738 |
| Total domestic deposits to total assets | 83.4346% | 3,639 |
| Equity capital to assets | 12.1799% | 1,976 |
| Core capital (leverage) ratio | 11.8274% | 1,794 |
| Tier 1 risk-based capital ratio | 17.0175% | 2,373 |
| Total risk-based capital ratio | 18.2714% | 2,316 |
| Memoranda: | ||
| Average total assets | $147,790,250 | 3,637 |
| Average earning assets | $143,460,000 | 3,527 |
| Average equity | $16,959,000 | 3,562 |
| Average total loans | $94,090,500 | 3,530 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,136 |
| Cost of funding earning assets | 0.4935% | 2,310 |
| Net interest margin | 3.5440% | 3,312 |
| Noninterest income to average assets | 0.4552% | 3,660 |
| Noninterest expense to average assets | 1.9481% | 5,635 |
| Loan and lease loss provision to assets | 0.0813% | 2,483 |
| Net operating income to assets | 1.7936% | 525 |
| Return on assets (ROA) | 1.7936% | 547 |
| Pretax return on assets | 1.8695% | 786 |
| Return on Equity (ROE) | 15.9589% | 612 |
| Retained earnings to average equity (ytd only) | 15.9589% | 153 |
| Net charge-offs to loans | -0.1223% | 5,856 |
| Credit loss provision to net charge-offs | -105.2632% | 4,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9653% | 5,857 |
| Assets per employee ($millions) | 5.4268% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,771 |
| Loan loss allowance to noncurrent loans | 181.9767% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 3,654 |
| Noncurrent loans to loans | 0.9030% | 2,865 |
| Net loans and leases to total assets | 63.9272% | 3,272 |
| Net loans and leases to deposits | 75.3013% | 3,342 |
| Net loans and leases to core deposits | 79.7039% | 3,424 |
| Total domestic deposits to total assets | 84.8952% | 3,166 |
| Equity capital to assets | 11.6064% | 2,325 |
| Core capital (leverage) ratio | 11.2967% | 2,165 |
| Tier 1 risk-based capital ratio | 16.4896% | 2,612 |
| Total risk-based capital ratio | 17.7428% | 2,568 |
| Memoranda: | ||
| Average total assets | $147,633,330 | 3,662 |
| Average earning assets | $143,452,330 | 3,550 |
| Average equity | $16,592,670 | 3,624 |
| Average total loans | $93,198,670 | 3,572 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 3,305 |
| Cost of funding earning assets | 0.5005% | 2,273 |
| Net interest margin | 3.4784% | 3,515 |
| Noninterest income to average assets | 0.4292% | 3,766 |
| Noninterest expense to average assets | 1.6439% | 6,064 |
| Loan and lease loss provision to assets | 0.0810% | 2,350 |
| Net operating income to assets | 1.9975% | 340 |
| Return on assets (ROA) | 1.9975% | 358 |
| Pretax return on assets | 2.0811% | 503 |
| Return on Equity (ROE) | 18.0642% | 381 |
| Retained earnings to average equity (ytd only) | 18.0642% | 141 |
| Net charge-offs to loans | -0.1475% | 5,975 |
| Credit loss provision to net charge-offs | -88.2353% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1915% | 6,206 |
| Assets per employee ($millions) | 5.4764% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 1,956 |
| Loan loss allowance to noncurrent loans | 481.5287% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 5,097 |
| Noncurrent loans to loans | 0.3375% | 4,577 |
| Net loans and leases to total assets | 61.8972% | 3,379 |
| Net loans and leases to deposits | 71.9560% | 3,536 |
| Net loans and leases to core deposits | 75.1464% | 3,672 |
| Total domestic deposits to total assets | 86.0208% | 2,927 |
| Equity capital to assets | 11.4180% | 2,543 |
| Core capital (leverage) ratio | 10.8929% | 2,523 |
| Tier 1 risk-based capital ratio | 16.1647% | 2,836 |
| Total risk-based capital ratio | 17.4175% | 2,779 |
| Memoranda: | ||
| Average total assets | $148,188,500 | 3,682 |
| Average earning assets | $143,859,000 | 3,566 |
| Average equity | $16,386,000 | 3,679 |
| Average total loans | $92,181,500 | 3,607 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,551 |
| Cost of funding earning assets | 0.5750% | 2,000 |
| Net interest margin | 3.4670% | 3,910 |
| Noninterest income to average assets | 0.5382% | 3,253 |
| Noninterest expense to average assets | 1.9462% | 5,867 |
| Loan and lease loss provision to assets | 0.0406% | 3,762 |
| Net operating income to assets | 1.8150% | 467 |
| Return on assets (ROA) | 1.8163% | 479 |
| Pretax return on assets | 1.9102% | 626 |
| Return on Equity (ROE) | 17.7331% | 426 |
| Retained earnings to average equity (ytd only) | 9.9298% | 530 |
| Net charge-offs to loans | 0.1033% | 3,028 |
| Credit loss provision to net charge-offs | 66.3043% | 3,157 |
| Earnings coverage of net charge-offs (x) | 31.8152% | 1,276 |
| Efficiency ratio | 49.9573% | 6,097 |
| Assets per employee ($millions) | 5.5007% | 1,769 |
| Cash dividends to net income (ytd only)* | 44.0044% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 2,143 |
| Loan loss allowance to noncurrent loans | 246.2585% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 4,507 |
| Noncurrent loans to loans | 0.6438% | 3,757 |
| Net loans and leases to total assets | 60.5171% | 3,714 |
| Net loans and leases to deposits | 70.6315% | 3,824 |
| Net loans and leases to core deposits | 73.1523% | 4,009 |
| Total domestic deposits to total assets | 85.6800% | 2,992 |
| Equity capital to assets | 10.7023% | 3,233 |
| Core capital (leverage) ratio | 10.2588% | 3,234 |
| Tier 1 risk-based capital ratio | 14.0027% | 4,096 |
| Total risk-based capital ratio | 15.0444% | 4,174 |
| Memoranda: | ||
| Average total assets | $150,140,200 | 3,632 |
| Average earning assets | $145,400,600 | 3,516 |
| Average equity | $15,378,000 | 3,766 |
| Average total loans | $89,030,600 | 3,655 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 3,675 |
| Cost of funding earning assets | 0.6009% | 1,823 |
| Net interest margin | 3.4213% | 4,142 |
| Noninterest income to average assets | 0.5146% | 3,447 |
| Noninterest expense to average assets | 1.8900% | 5,967 |
| Loan and lease loss provision to assets | 0.0186% | 4,035 |
| Net operating income to assets | 1.8247% | 492 |
| Return on assets (ROA) | 1.8297% | 497 |
| Pretax return on assets | 1.9245% | 675 |
| Return on Equity (ROE) | 18.0644% | 438 |
| Retained earnings to average equity (ytd only) | 18.0644% | 109 |
| Net charge-offs to loans | 0.1522% | 2,271 |
| Credit loss provision to net charge-offs | 20.7921% | 3,573 |
| Earnings coverage of net charge-offs (x) | 21.6639% | 1,664 |
| Efficiency ratio | 49.3753% | 6,123 |
| Assets per employee ($millions) | 5.5638% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 2,666 |
| Loan loss allowance to noncurrent loans | 297.6596% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 4,885 |
| Noncurrent loans to loans | 0.5068% | 4,411 |
| Net loans and leases to total assets | 60.7987% | 3,656 |
| Net loans and leases to deposits | 71.8275% | 3,702 |
| Net loans and leases to core deposits | 75.4650% | 3,808 |
| Total domestic deposits to total assets | 84.6454% | 3,480 |
| Equity capital to assets | 10.9778% | 2,981 |
| Core capital (leverage) ratio | 10.6428% | 2,867 |
| Tier 1 risk-based capital ratio | 14.3871% | 3,954 |
| Total risk-based capital ratio | 15.4213% | 4,026 |
| Memoranda: | ||
| Average total assets | $150,545,250 | 3,652 |
| Average earning assets | $145,787,250 | 3,547 |
| Average equity | $15,248,750 | 3,811 |
| Average total loans | $88,456,250 | 3,694 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,681 |
| Cost of funding earning assets | 0.6141% | 1,775 |
| Net interest margin | 3.3996% | 4,174 |
| Noninterest income to average assets | 0.5536% | 3,093 |
| Noninterest expense to average assets | 1.8506% | 6,074 |
| Loan and lease loss provision to assets | 0.0279% | 3,717 |
| Net operating income to assets | 1.8705% | 434 |
| Return on assets (ROA) | 1.8705% | 449 |
| Pretax return on assets | 1.9674% | 598 |
| Return on Equity (ROE) | 18.9960% | 362 |
| Retained earnings to average equity (ytd only) | 18.9960% | 99 |
| Net charge-offs to loans | 0.1769% | 1,974 |
| Credit loss provision to net charge-offs | 27.2727% | 3,092 |
| Earnings coverage of net charge-offs (x) | 19.5195% | 1,621 |
| Efficiency ratio | 48.1187% | 6,283 |
| Assets per employee ($millions) | 5.6087% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 2,425 |
| Loan loss allowance to noncurrent loans | 405.4131% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 5,404 |
| Noncurrent loans to loans | 0.3971% | 4,799 |
| Net loans and leases to total assets | 57.4263% | 4,062 |
| Net loans and leases to deposits | 66.3495% | 4,239 |
| Net loans and leases to core deposits | 68.4996% | 4,414 |
| Total domestic deposits to total assets | 86.5512% | 2,733 |
| Equity capital to assets | 10.4527% | 3,496 |
| Core capital (leverage) ratio | 10.1181% | 3,448 |
| Tier 1 risk-based capital ratio | 14.2377% | 4,108 |
| Total risk-based capital ratio | 15.2587% | 4,191 |
| Memoranda: | ||
| Average total assets | $150,653,000 | 3,668 |
| Average earning assets | $145,901,330 | 3,568 |
| Average equity | $14,834,670 | 3,887 |
| Average total loans | $87,031,000 | 3,744 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 3,438 |
| Cost of funding earning assets | 0.6355% | 1,683 |
| Net interest margin | 3.4249% | 4,009 |
| Noninterest income to average assets | 0.6309% | 2,560 |
| Noninterest expense to average assets | 1.9379% | 5,995 |
| Loan and lease loss provision to assets | 0.0559% | 3,000 |
| Net operating income to assets | 1.8581% | 438 |
| Return on assets (ROA) | 1.8581% | 461 |
| Pretax return on assets | 1.9513% | 589 |
| Return on Equity (ROE) | 19.4734% | 331 |
| Retained earnings to average equity (ytd only) | 19.4734% | 130 |
| Net charge-offs to loans | -0.0139% | 5,177 |
| Credit loss provision to net charge-offs | -700.0000% | 5,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1228% | 6,309 |
| Assets per employee ($millions) | 5.7793% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 2,268 |
| Loan loss allowance to noncurrent loans | 352.8169% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 5,311 |
| Noncurrent loans to loans | 0.4892% | 4,692 |
| Net loans and leases to total assets | 56.9525% | 4,008 |
| Net loans and leases to deposits | 65.0773% | 4,195 |
| Net loans and leases to core deposits | 67.3991% | 4,368 |
| Total domestic deposits to total assets | 87.5151% | 2,501 |
| Equity capital to assets | 9.8441% | 4,042 |
| Core capital (leverage) ratio | 9.7273% | 3,958 |
| Tier 1 risk-based capital ratio | 13.8149% | 4,457 |
| Total risk-based capital ratio | 14.8395% | 4,568 |
| Memoranda: | ||
| Average total assets | $150,262,500 | 3,701 |
| Average earning assets | $145,407,000 | 3,599 |
| Average equity | $14,337,500 | 3,983 |
| Average total loans | $86,353,500 | 3,791 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 4,276 |
| Cost of funding earning assets | 0.7739% | 1,350 |
| Net interest margin | 3.1774% | 5,068 |
| Noninterest income to average assets | 0.5232% | 3,599 |
| Noninterest expense to average assets | 1.9709% | 6,075 |
| Loan and lease loss provision to assets | 0.0566% | 4,014 |
| Net operating income to assets | 1.4875% | 846 |
| Return on assets (ROA) | 1.4875% | 890 |
| Pretax return on assets | 1.5630% | 1,261 |
| Return on Equity (ROE) | 15.6228% | 670 |
| Retained earnings to average equity (ytd only) | 7.8326% | 1,110 |
| Net charge-offs to loans | -0.1817% | 6,601 |
| Credit loss provision to net charge-offs | -55.6291% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8920% | 6,063 |
| Assets per employee ($millions) | 5.3665% | 1,783 |
| Cash dividends to net income (ytd only)* | 49.8640% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 2,316 |
| Loan loss allowance to noncurrent loans | 282.2519% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 4,537 |
| Noncurrent loans to loans | 0.6120% | 4,449 |
| Net loans and leases to total assets | 55.9998% | 4,317 |
| Net loans and leases to deposits | 63.4909% | 4,565 |
| Net loans and leases to core deposits | 65.7291% | 4,719 |
| Total domestic deposits to total assets | 88.2014% | 2,057 |
| Equity capital to assets | 9.2391% | 4,761 |
| Core capital (leverage) ratio | 9.2928% | 4,565 |
| Tier 1 risk-based capital ratio | 13.2490% | 4,823 |
| Total risk-based capital ratio | 14.2751% | 4,906 |
| Memoranda: | ||
| Average total assets | $148,304,200 | 3,736 |
| Average earning assets | $143,165,600 | 3,616 |
| Average equity | $14,120,400 | 4,043 |
| Average total loans | $83,110,200 | 3,846 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 4,356 |
| Cost of funding earning assets | 0.7963% | 1,346 |
| Net interest margin | 3.1414% | 5,181 |
| Noninterest income to average assets | 0.4817% | 3,929 |
| Noninterest expense to average assets | 1.8500% | 6,259 |
| Loan and lease loss provision to assets | 0.0568% | 3,914 |
| Net operating income to assets | 1.5262% | 859 |
| Return on assets (ROA) | 1.5262% | 903 |
| Pretax return on assets | 1.6065% | 1,323 |
| Return on Equity (ROE) | 15.9096% | 659 |
| Retained earnings to average equity (ytd only) | 15.9096% | 163 |
| Net charge-offs to loans | -0.0663% | 6,391 |
| Credit loss provision to net charge-offs | -153.6585% | 5,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6573% | 6,212 |
| Assets per employee ($millions) | 5.6165% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 2,920 |
| Loan loss allowance to noncurrent loans | 174.3855% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 4,222 |
| Noncurrent loans to loans | 0.9282% | 3,957 |
| Net loans and leases to total assets | 56.1050% | 4,309 |
| Net loans and leases to deposits | 64.6403% | 4,447 |
| Net loans and leases to core deposits | 67.0236% | 4,621 |
| Total domestic deposits to total assets | 86.7957% | 2,803 |
| Equity capital to assets | 9.9988% | 3,904 |
| Core capital (leverage) ratio | 9.8726% | 3,860 |
| Tier 1 risk-based capital ratio | 14.0627% | 4,381 |
| Total risk-based capital ratio | 15.0894% | 4,496 |
| Memoranda: | ||
| Average total assets | $147,814,500 | 3,783 |
| Average earning assets | $142,651,250 | 3,659 |
| Average equity | $14,179,750 | 4,082 |
| Average total loans | $82,481,250 | 3,898 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 4,369 |
| Cost of funding earning assets | 0.8061% | 1,381 |
| Net interest margin | 3.1212% | 5,217 |
| Noninterest income to average assets | 0.4501% | 4,161 |
| Noninterest expense to average assets | 1.7964% | 6,386 |
| Loan and lease loss provision to assets | 0.0566% | 3,872 |
| Net operating income to assets | 1.5309% | 850 |
| Return on assets (ROA) | 1.5309% | 917 |
| Pretax return on assets | 1.6131% | 1,330 |
| Return on Equity (ROE) | 16.1831% | 641 |
| Retained earnings to average equity (ytd only) | 16.1831% | 185 |
| Net charge-offs to loans | -0.0389% | 6,173 |
| Credit loss provision to net charge-offs | -262.5000% | 5,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8274% | 6,288 |
| Assets per employee ($millions) | 5.7706% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 3,213 |
| Loan loss allowance to noncurrent loans | 162.7500% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 4,331 |
| Noncurrent loans to loans | 0.9730% | 3,992 |
| Net loans and leases to total assets | 53.9347% | 4,595 |
| Net loans and leases to deposits | 61.6034% | 4,789 |
| Net loans and leases to core deposits | 63.7831% | 4,917 |
| Total domestic deposits to total assets | 87.5516% | 2,519 |
| Equity capital to assets | 9.0852% | 5,126 |
| Core capital (leverage) ratio | 9.3686% | 4,434 |
| Tier 1 risk-based capital ratio | 13.7326% | 4,619 |
| Total risk-based capital ratio | 14.7495% | 4,725 |
| Memoranda: | ||
| Average total assets | $148,410,000 | 3,799 |
| Average earning assets | $143,406,000 | 3,670 |
| Average equity | $14,039,330 | 4,143 |
| Average total loans | $82,216,000 | 3,922 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 4,116 |
| Cost of funding earning assets | 0.8322% | 1,355 |
| Net interest margin | 3.1691% | 5,033 |
| Noninterest income to average assets | 0.4417% | 4,163 |
| Noninterest expense to average assets | 1.8483% | 6,367 |
| Loan and lease loss provision to assets | 0.0569% | 3,686 |
| Net operating income to assets | 1.5231% | 821 |
| Return on assets (ROA) | 1.5231% | 894 |
| Pretax return on assets | 1.6017% | 1,303 |
| Return on Equity (ROE) | 15.7826% | 641 |
| Retained earnings to average equity (ytd only) | 15.7826% | 296 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7048% | 6,338 |
| Assets per employee ($millions) | 5.6957% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,635 |
| Loan loss allowance to noncurrent loans | 218.8581% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6118% | 4,858 |
| Noncurrent loans to loans | 0.7069% | 4,715 |
| Net loans and leases to total assets | 54.3612% | 4,350 |
| Net loans and leases to deposits | 62.6185% | 4,460 |
| Net loans and leases to core deposits | 64.8804% | 4,661 |
| Total domestic deposits to total assets | 86.8133% | 3,072 |
| Equity capital to assets | 9.7576% | 4,484 |
| Core capital (leverage) ratio | 9.0909% | 4,735 |
| Tier 1 risk-based capital ratio | 13.4360% | 4,918 |
| Total risk-based capital ratio | 14.4566% | 5,017 |
| Memoranda: | ||
| Average total assets | $147,597,500 | 3,853 |
| Average earning assets | $142,752,000 | 3,718 |
| Average equity | $14,243,500 | 4,151 |
| Average total loans | $82,212,500 | 3,950 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 4,006 |
| Cost of funding earning assets | 0.9702% | 1,525 |
| Net interest margin | 3.3858% | 4,937 |
| Noninterest income to average assets | 0.6358% | 3,076 |
| Noninterest expense to average assets | 1.9496% | 6,419 |
| Loan and lease loss provision to assets | 0.0351% | 5,450 |
| Net operating income to assets | 1.8296% | 489 |
| Return on assets (ROA) | 1.8296% | 549 |
| Pretax return on assets | 1.9159% | 727 |
| Return on Equity (ROE) | 19.1469% | 351 |
| Retained earnings to average equity (ytd only) | 11.0680% | 432 |
| Net charge-offs to loans | 0.3350% | 2,962 |
| Credit loss provision to net charge-offs | 18.2482% | 5,306 |
| Earnings coverage of net charge-offs (x) | 10.1460% | 2,172 |
| Efficiency ratio | 49.9820% | 6,589 |
| Assets per employee ($millions) | 5.4484% | 1,735 |
| Cash dividends to net income (ytd only)* | 42.1941% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,725 |
| Loan loss allowance to noncurrent loans | 319.7943% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 5,888 |
| Noncurrent loans to loans | 0.4706% | 5,350 |
| Net loans and leases to total assets | 55.3431% | 4,400 |
| Net loans and leases to deposits | 63.5022% | 4,600 |
| Net loans and leases to core deposits | 65.7931% | 4,762 |
| Total domestic deposits to total assets | 87.1514% | 2,739 |
| Equity capital to assets | 9.5421% | 4,823 |
| Core capital (leverage) ratio | 8.7138% | 5,306 |
| Tier 1 risk-based capital ratio | 12.9993% | 5,106 |
| Total risk-based capital ratio | 14.0189% | 5,216 |
| Memoranda: | ||
| Average total assets | $142,493,600 | 3,908 |
| Average earning assets | $137,398,200 | 3,768 |
| Average equity | $13,615,800 | 4,234 |
| Average total loans | $81,782,000 | 3,979 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 4,049 |
| Cost of funding earning assets | 1.0060% | 1,520 |
| Net interest margin | 3.3937% | 5,057 |
| Noninterest income to average assets | 0.6037% | 3,247 |
| Noninterest expense to average assets | 1.8838% | 6,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.9017% | 453 |
| Return on assets (ROA) | 1.9017% | 528 |
| Pretax return on assets | 1.9914% | 710 |
| Return on Equity (ROE) | 19.8951% | 332 |
| Retained earnings to average equity (ytd only) | 19.8951% | 87 |
| Net charge-offs to loans | -0.0343% | 6,608 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6125% | 6,683 |
| Assets per employee ($millions) | 5.3726% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 2,882 |
| Loan loss allowance to noncurrent loans | 121.7498% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 4,591 |
| Noncurrent loans to loans | 1.4565% | 3,616 |
| Net loans and leases to total assets | 56.8606% | 4,320 |
| Net loans and leases to deposits | 66.5456% | 4,400 |
| Net loans and leases to core deposits | 69.0278% | 4,608 |
| Total domestic deposits to total assets | 85.4460% | 3,547 |
| Equity capital to assets | 10.1648% | 4,253 |
| Core capital (leverage) ratio | 9.2181% | 4,728 |
| Tier 1 risk-based capital ratio | 13.5415% | 4,857 |
| Total risk-based capital ratio | 14.5611% | 4,981 |
| Memoranda: | ||
| Average total assets | $141,340,500 | 3,968 |
| Average earning assets | $136,250,500 | 3,823 |
| Average equity | $13,510,500 | 4,295 |
| Average total loans | $81,563,250 | 4,034 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 4,030 |
| Cost of funding earning assets | 1.0343% | 1,552 |
| Net interest margin | 3.4038% | 5,069 |
| Noninterest income to average assets | 0.5924% | 3,299 |
| Noninterest expense to average assets | 1.8972% | 6,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8858% | 474 |
| Return on assets (ROA) | 1.8858% | 542 |
| Pretax return on assets | 1.9743% | 724 |
| Return on Equity (ROE) | 20.1695% | 347 |
| Retained earnings to average equity (ytd only) | 20.1695% | 105 |
| Net charge-offs to loans | -0.0322% | 6,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0044% | 6,711 |
| Assets per employee ($millions) | 5.3562% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 2,766 |
| Loan loss allowance to noncurrent loans | 120.5212% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 4,668 |
| Noncurrent loans to loans | 1.5148% | 3,631 |
| Net loans and leases to total assets | 55.0312% | 4,625 |
| Net loans and leases to deposits | 64.4925% | 4,695 |
| Net loans and leases to core deposits | 65.7885% | 5,029 |
| Total domestic deposits to total assets | 85.3296% | 3,697 |
| Equity capital to assets | 9.5700% | 4,950 |
| Core capital (leverage) ratio | 8.7933% | 5,227 |
| Tier 1 risk-based capital ratio | 13.2338% | 5,013 |
| Total risk-based capital ratio | 14.2536% | 5,160 |
| Memoranda: | ||
| Average total assets | $140,100,670 | 4,008 |
| Average earning assets | $134,968,330 | 3,866 |
| Average equity | $13,099,000 | 4,377 |
| Average total loans | $80,760,670 | 4,082 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 3,621 |
| Cost of funding earning assets | 1.0750% | 1,522 |
| Net interest margin | 3.4998% | 4,701 |
| Noninterest income to average assets | 0.6558% | 2,895 |
| Noninterest expense to average assets | 1.8311% | 6,759 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0893% | 361 |
| Return on assets (ROA) | 2.0893% | 416 |
| Pretax return on assets | 2.1880% | 551 |
| Return on Equity (ROE) | 22.6264% | 253 |
| Retained earnings to average equity (ytd only) | 22.6264% | 124 |
| Net charge-offs to loans | -0.0695% | 6,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5596% | 6,924 |
| Assets per employee ($millions) | 5.1673% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 2,904 |
| Loan loss allowance to noncurrent loans | 252.2998% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 5,794 |
| Noncurrent loans to loans | 0.7235% | 5,212 |
| Net loans and leases to total assets | 57.0898% | 4,205 |
| Net loans and leases to deposits | 66.5397% | 4,298 |
| Net loans and leases to core deposits | 67.6249% | 4,722 |
| Total domestic deposits to total assets | 85.7981% | 3,643 |
| Equity capital to assets | 9.3903% | 4,976 |
| Core capital (leverage) ratio | 8.8609% | 5,047 |
| Tier 1 risk-based capital ratio | 12.3079% | 5,751 |
| Total risk-based capital ratio | 13.3180% | 5,893 |
| Memoranda: | ||
| Average total assets | $137,842,000 | 4,075 |
| Average earning assets | $132,465,000 | 3,934 |
| Average equity | $12,728,500 | 4,459 |
| Average total loans | $80,608,500 | 4,108 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 3,790 |
| Cost of funding earning assets | 1.2999% | 1,485 |
| Net interest margin | 3.5043% | 5,130 |
| Noninterest income to average assets | 0.7304% | 2,440 |
| Noninterest expense to average assets | 2.0060% | 6,662 |
| Loan and lease loss provision to assets | 0.0187% | 6,338 |
| Net operating income to assets | 1.9583% | 333 |
| Return on assets (ROA) | 1.9583% | 356 |
| Pretax return on assets | 2.0622% | 474 |
| Return on Equity (ROE) | 21.6775% | 195 |
| Retained earnings to average equity (ytd only) | 12.1660% | 291 |
| Net charge-offs to loans | 0.1569% | 4,887 |
| Credit loss provision to net charge-offs | 20.1681% | 5,917 |
| Earnings coverage of net charge-offs (x) | 22.3866% | 1,060 |
| Efficiency ratio | 49.0826% | 6,890 |
| Assets per employee ($millions) | 5.4467% | 1,697 |
| Cash dividends to net income (ytd only)* | 43.8771% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 2,771 |
| Loan loss allowance to noncurrent loans | 353.4940% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 6,201 |
| Noncurrent loans to loans | 0.5182% | 5,676 |
| Net loans and leases to total assets | 57.7372% | 4,424 |
| Net loans and leases to deposits | 67.1389% | 4,564 |
| Net loans and leases to core deposits | 68.8577% | 4,923 |
| Total domestic deposits to total assets | 85.9966% | 3,326 |
| Equity capital to assets | 9.0742% | 5,457 |
| Core capital (leverage) ratio | 8.3895% | 5,730 |
| Tier 1 risk-based capital ratio | 12.1458% | 5,732 |
| Total risk-based capital ratio | 13.1609% | 5,872 |
| Memoranda: | ||
| Average total assets | $128,016,800 | 4,214 |
| Average earning assets | $122,620,200 | 4,079 |
| Average equity | $11,565,000 | 4,641 |
| Average total loans | $75,843,800 | 4,279 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 3,424 |
| Cost of funding earning assets | 1.3365% | 1,521 |
| Net interest margin | 3.5939% | 4,800 |
| Noninterest income to average assets | 0.5302% | 3,649 |
| Noninterest expense to average assets | 1.8638% | 6,900 |
| Loan and lease loss provision to assets | 0.0254% | 6,136 |
| Net operating income to assets | 1.9759% | 357 |
| Return on assets (ROA) | 1.9759% | 390 |
| Pretax return on assets | 2.0818% | 540 |
| Return on Equity (ROE) | 21.8986% | 222 |
| Retained earnings to average equity (ytd only) | 21.8986% | 53 |
| Net charge-offs to loans | 0.1355% | 4,697 |
| Credit loss provision to net charge-offs | 31.5789% | 5,386 |
| Earnings coverage of net charge-offs (x) | 26.1976% | 1,022 |
| Efficiency ratio | 46.9350% | 7,020 |
| Assets per employee ($millions) | 5.0407% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9067% | 2,592 |
| Loan loss allowance to noncurrent loans | 270.6093% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 4,837 |
| Noncurrent loans to loans | 0.7046% | 5,470 |
| Net loans and leases to total assets | 59.2733% | 4,277 |
| Net loans and leases to deposits | 69.7829% | 4,334 |
| Net loans and leases to core deposits | 71.6633% | 4,757 |
| Total domestic deposits to total assets | 84.9396% | 3,795 |
| Equity capital to assets | 9.8482% | 4,555 |
| Core capital (leverage) ratio | 9.0723% | 4,821 |
| Tier 1 risk-based capital ratio | 13.0007% | 5,099 |
| Total risk-based capital ratio | 14.0282% | 5,255 |
| Memoranda: | ||
| Average total assets | $125,979,250 | 4,272 |
| Average earning assets | $120,608,250 | 4,137 |
| Average equity | $11,367,250 | 4,722 |
| Average total loans | $74,783,250 | 4,355 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 3,718 |
| Cost of funding earning assets | 1.3835% | 1,485 |
| Net interest margin | 3.4949% | 5,184 |
| Noninterest income to average assets | 0.5166% | 3,734 |
| Noninterest expense to average assets | 1.9117% | 6,932 |
| Loan and lease loss provision to assets | 0.0386% | 5,833 |
| Net operating income to assets | 1.8152% | 486 |
| Return on assets (ROA) | 1.8152% | 517 |
| Pretax return on assets | 1.9117% | 690 |
| Return on Equity (ROE) | 20.7850% | 273 |
| Retained earnings to average equity (ytd only) | 20.7850% | 83 |
| Net charge-offs to loans | 0.2046% | 3,929 |
| Credit loss provision to net charge-offs | 32.0000% | 4,958 |
| Earnings coverage of net charge-offs (x) | 16.1600% | 1,358 |
| Efficiency ratio | 49.5000% | 6,970 |
| Assets per employee ($millions) | 4.8983% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9821% | 2,418 |
| Loan loss allowance to noncurrent loans | 323.5546% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 5,052 |
| Noncurrent loans to loans | 0.6126% | 5,697 |
| Net loans and leases to total assets | 58.6714% | 4,517 |
| Net loans and leases to deposits | 68.9175% | 4,574 |
| Net loans and leases to core deposits | 70.6528% | 4,994 |
| Total domestic deposits to total assets | 85.1329% | 3,819 |
| Equity capital to assets | 9.2442% | 5,207 |
| Core capital (leverage) ratio | 8.6447% | 5,315 |
| Tier 1 risk-based capital ratio | 12.0193% | 5,776 |
| Total risk-based capital ratio | 13.0569% | 5,921 |
| Memoranda: | ||
| Average total assets | $124,286,000 | 4,339 |
| Average earning assets | $118,974,000 | 4,210 |
| Average equity | $10,854,000 | 4,837 |
| Average total loans | $73,313,330 | 4,452 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 3,831 |
| Cost of funding earning assets | 1.4399% | 1,433 |
| Net interest margin | 3.4074% | 5,402 |
| Noninterest income to average assets | 0.4921% | 3,952 |
| Noninterest expense to average assets | 2.0040% | 6,825 |
| Loan and lease loss provision to assets | 0.0782% | 5,022 |
| Net operating income to assets | 1.5869% | 713 |
| Return on assets (ROA) | 1.5869% | 759 |
| Pretax return on assets | 1.6717% | 1,030 |
| Return on Equity (ROE) | 18.7407% | 416 |
| Retained earnings to average equity (ytd only) | 18.7407% | 207 |
| Net charge-offs to loans | 0.5567% | 2,105 |
| Credit loss provision to net charge-offs | 24.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | 5.3700% | 2,295 |
| Efficiency ratio | 53.3854% | 6,756 |
| Assets per employee ($millions) | 4.8725% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 2,359 |
| Loan loss allowance to noncurrent loans | 299.5968% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 4,709 |
| Noncurrent loans to loans | 0.6742% | 5,678 |
| Net loans and leases to total assets | 56.8983% | 4,825 |
| Net loans and leases to deposits | 66.8996% | 4,845 |
| Net loans and leases to core deposits | 67.7886% | 5,317 |
| Total domestic deposits to total assets | 85.0502% | 4,007 |
| Equity capital to assets | 8.4399% | 6,001 |
| Core capital (leverage) ratio | 8.5560% | 5,340 |
| Tier 1 risk-based capital ratio | 12.4397% | 5,319 |
| Total risk-based capital ratio | 13.4649% | 5,500 |
| Memoranda: | ||
| Average total assets | $122,751,500 | 4,398 |
| Average earning assets | $117,510,000 | 4,264 |
| Average equity | $10,394,500 | 4,944 |
| Average total loans | $71,854,000 | 4,548 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7217% | 1,495 |
| Cost of funding earning assets | 1.7486% | 1,382 |
| Net interest margin | 3.9731% | 3,132 |
| Noninterest income to average assets | 0.5574% | 3,772 |
| Noninterest expense to average assets | 2.1801% | 6,667 |
| Loan and lease loss provision to assets | 0.1292% | 5,872 |
| Net operating income to assets | 1.9447% | 310 |
| Return on assets (ROA) | 1.9404% | 328 |
| Pretax return on assets | 2.0427% | 443 |
| Return on Equity (ROE) | 21.5304% | 174 |
| Retained earnings to average equity (ytd only) | 12.5677% | 237 |
| Net charge-offs to loans | 0.0390% | 6,419 |
| Credit loss provision to net charge-offs | 514.2857% | 443 |
| Earnings coverage of net charge-offs (x) | 86.6071% | 283 |
| Efficiency ratio | 50.0412% | 7,125 |
| Assets per employee ($millions) | 4.5700% | 2,757 |
| Cash dividends to net income (ytd only)* | 41.6281% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2269% | 1,827 |
| Loan loss allowance to noncurrent loans | 184.1981% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2969% | 4,439 |
| Noncurrent loans to loans | 1.2090% | 4,710 |
| Net loans and leases to total assets | 57.7172% | 5,068 |
| Net loans and leases to deposits | 67.5942% | 5,156 |
| Net loans and leases to core deposits | 68.5447% | 5,605 |
| Total domestic deposits to total assets | 85.3879% | 3,669 |
| Equity capital to assets | 8.4978% | 5,862 |
| Core capital (leverage) ratio | 8.4461% | 5,457 |
| Tier 1 risk-based capital ratio | 12.4404% | 5,074 |
| Total risk-based capital ratio | 13.4607% | 5,260 |
| Memoranda: | ||
| Average total assets | $111,419,000 | 4,675 |
| Average earning assets | $106,542,400 | 4,547 |
| Average equity | $10,041,600 | 5,118 |
| Average total loans | $71,866,800 | 4,614 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8115% | 1,359 |
| Cost of funding earning assets | 1.8069% | 1,387 |
| Net interest margin | 4.0045% | 3,083 |
| Noninterest income to average assets | 0.5196% | 4,035 |
| Noninterest expense to average assets | 2.0796% | 6,891 |
| Loan and lease loss provision to assets | 0.1314% | 5,714 |
| Net operating income to assets | 2.0309% | 321 |
| Return on assets (ROA) | 2.0309% | 345 |
| Pretax return on assets | 2.1380% | 466 |
| Return on Equity (ROE) | 22.1912% | 190 |
| Retained earnings to average equity (ytd only) | 22.1912% | 55 |
| Net charge-offs to loans | 0.0848% | 5,684 |
| Credit loss provision to net charge-offs | 234.7826% | 1,442 |
| Earnings coverage of net charge-offs (x) | 40.5446% | 678 |
| Efficiency ratio | 47.8176% | 7,283 |
| Assets per employee ($millions) | 4.3452% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0686% | 2,071 |
| Loan loss allowance to noncurrent loans | 145.1396% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 5,270 |
| Noncurrent loans to loans | 1.4253% | 4,476 |
| Net loans and leases to total assets | 63.1919% | 4,278 |
| Net loans and leases to deposits | 75.6373% | 4,238 |
| Net loans and leases to core deposits | 76.7819% | 4,951 |
| Total domestic deposits to total assets | 83.5459% | 4,354 |
| Equity capital to assets | 9.7969% | 4,418 |
| Core capital (leverage) ratio | 9.2271% | 4,324 |
| Tier 1 risk-based capital ratio | 12.9952% | 4,581 |
| Total risk-based capital ratio | 14.2521% | 4,551 |
| Memoranda: | ||
| Average total assets | $109,569,000 | 4,783 |
| Average earning assets | $104,778,500 | 4,647 |
| Average equity | $10,027,750 | 5,188 |
| Average total loans | $72,298,250 | 4,668 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 971 |
| Cost of funding earning assets | 1.8623% | 1,367 |
| Net interest margin | 4.1276% | 2,440 |
| Noninterest income to average assets | 0.4722% | 4,340 |
| Noninterest expense to average assets | 2.0381% | 7,034 |
| Loan and lease loss provision to assets | 0.1328% | 5,559 |
| Net operating income to assets | 2.1359% | 259 |
| Return on assets (ROA) | 2.1359% | 282 |
| Pretax return on assets | 2.2502% | 374 |
| Return on Equity (ROE) | 23.9231% | 151 |
| Retained earnings to average equity (ytd only) | 23.9231% | 56 |
| Net charge-offs to loans | -0.0472% | 7,439 |
| Credit loss provision to net charge-offs | -423.5294% | 6,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0993% | 7,435 |
| Assets per employee ($millions) | 4.2246% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 1,940 |
| Loan loss allowance to noncurrent loans | 89.2442% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.5659% | 4,113 |
| Noncurrent loans to loans | 2.3689% | 3,294 |
| Net loans and leases to total assets | 64.7074% | 4,105 |
| Net loans and leases to deposits | 77.3132% | 4,112 |
| Net loans and leases to core deposits | 78.2926% | 4,893 |
| Total domestic deposits to total assets | 83.6952% | 4,248 |
| Equity capital to assets | 9.5157% | 4,682 |
| Core capital (leverage) ratio | 8.8828% | 4,784 |
| Tier 1 risk-based capital ratio | 12.9811% | 4,465 |
| Total risk-based capital ratio | 14.2411% | 4,411 |
| Memoranda: | ||
| Average total assets | $108,433,670 | 4,853 |
| Average earning assets | $103,740,000 | 4,703 |
| Average equity | $9,681,000 | 5,291 |
| Average total loans | $72,098,000 | 4,710 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6314% | 2,021 |
| Cost of funding earning assets | 1.9576% | 1,218 |
| Net interest margin | 3.6738% | 4,380 |
| Noninterest income to average assets | 0.4344% | 4,617 |
| Noninterest expense to average assets | 2.1349% | 6,852 |
| Loan and lease loss provision to assets | 0.1337% | 5,226 |
| Net operating income to assets | 1.5891% | 773 |
| Return on assets (ROA) | 1.5891% | 821 |
| Pretax return on assets | 1.6708% | 1,116 |
| Return on Equity (ROE) | 18.4175% | 483 |
| Retained earnings to average equity (ytd only) | 18.4175% | 229 |
| Net charge-offs to loans | 0.4176% | 2,790 |
| Credit loss provision to net charge-offs | 48.0000% | 4,517 |
| Earnings coverage of net charge-offs (x) | 6.4800% | 2,217 |
| Efficiency ratio | 54.1942% | 6,951 |
| Assets per employee ($millions) | 4.1981% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 2,323 |
| Loan loss allowance to noncurrent loans | 105.7100% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 1.2194% | 4,736 |
| Noncurrent loans to loans | 1.8417% | 4,007 |
| Net loans and leases to total assets | 64.9244% | 4,113 |
| Net loans and leases to deposits | 77.6101% | 4,110 |
| Net loans and leases to core deposits | 78.6000% | 4,949 |
| Total domestic deposits to total assets | 83.6546% | 4,322 |
| Equity capital to assets | 8.7265% | 5,697 |
| Core capital (leverage) ratio | 8.4508% | 5,464 |
| Tier 1 risk-based capital ratio | 12.0990% | 5,090 |
| Total risk-based capital ratio | 13.3571% | 5,047 |
| Memoranda: | ||
| Average total assets | $107,731,000 | 4,934 |
| Average earning assets | $102,781,500 | 4,790 |
| Average equity | $9,295,500 | 5,455 |
| Average total loans | $71,842,500 | 4,796 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1641% | 1,335 |
| Cost of funding earning assets | 2.3481% | 1,462 |
| Net interest margin | 3.8160% | 3,641 |
| Noninterest income to average assets | 0.4477% | 4,830 |
| Noninterest expense to average assets | 2.2655% | 6,834 |
| Loan and lease loss provision to assets | 0.5320% | 3,713 |
| Net operating income to assets | 1.2374% | 1,160 |
| Return on assets (ROA) | 1.2374% | 1,215 |
| Pretax return on assets | 1.2926% | 1,715 |
| Return on Equity (ROE) | 14.2526% | 744 |
| Retained earnings to average equity (ytd only) | 6.4399% | 1,170 |
| Net charge-offs to loans | 0.3356% | 4,558 |
| Credit loss provision to net charge-offs | 226.8595% | 1,641 |
| Earnings coverage of net charge-offs (x) | 7.7810% | 2,069 |
| Efficiency ratio | 55.3897% | 7,084 |
| Assets per employee ($millions) | 4.0889% | 3,639 |
| Cash dividends to net income (ytd only)* | 54.8160% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0248% | 1,969 |
| Loan loss allowance to noncurrent loans | 109.5455% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.2416% | 4,610 |
| Noncurrent loans to loans | 1.8484% | 3,866 |
| Net loans and leases to total assets | 65.8129% | 4,201 |
| Net loans and leases to deposits | 81.8663% | 3,643 |
| Net loans and leases to core deposits | 87.2309% | 5,411 |
| Total domestic deposits to total assets | 80.3907% | 5,553 |
| Equity capital to assets | 8.5277% | 5,838 |
| Core capital (leverage) ratio | 8.3194% | 5,578 |
| Tier 1 risk-based capital ratio | 11.8859% | 5,036 |
| Total risk-based capital ratio | 13.1446% | 4,993 |
| Memoranda: | ||
| Average total assets | $103,200,400 | 5,007 |
| Average earning assets | $98,506,400 | 4,880 |
| Average equity | $8,959,800 | 5,617 |
| Average total loans | $72,105,600 | 4,796 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2217% | 1,317 |
| Cost of funding earning assets | 2.4405% | 1,490 |
| Net interest margin | 3.7813% | 3,730 |
| Noninterest income to average assets | 0.4179% | 5,149 |
| Noninterest expense to average assets | 2.2273% | 6,905 |
| Loan and lease loss provision to assets | 0.5519% | 3,177 |
| Net operating income to assets | 1.1885% | 1,496 |
| Return on assets (ROA) | 1.1885% | 1,550 |
| Pretax return on assets | 1.2510% | 2,106 |
| Return on Equity (ROE) | 13.6266% | 996 |
| Retained earnings to average equity (ytd only) | 13.6266% | 218 |
| Net charge-offs to loans | 0.3136% | 4,078 |
| Credit loss provision to net charge-offs | 249.4118% | 1,730 |
| Earnings coverage of net charge-offs (x) | 8.1471% | 2,298 |
| Efficiency ratio | 55.2649% | 7,091 |
| Assets per employee ($millions) | 3.7592% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 1,869 |
| Loan loss allowance to noncurrent loans | 78.5231% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.7478% | 3,735 |
| Noncurrent loans to loans | 2.5071% | 3,002 |
| Net loans and leases to total assets | 68.3416% | 3,881 |
| Net loans and leases to deposits | 87.8117% | 3,005 |
| Net loans and leases to core deposits | 93.3254% | 5,092 |
| Total domestic deposits to total assets | 77.8274% | 6,134 |
| Equity capital to assets | 9.4021% | 4,880 |
| Core capital (leverage) ratio | 8.6166% | 5,285 |
| Tier 1 risk-based capital ratio | 13.2721% | 4,005 |
| Total risk-based capital ratio | 14.5319% | 3,948 |
| Memoranda: | ||
| Average total assets | $102,422,500 | 5,061 |
| Average earning assets | $97,848,250 | 4,927 |
| Average equity | $8,933,250 | 5,676 |
| Average total loans | $72,278,750 | 4,832 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3777% | 1,051 |
| Cost of funding earning assets | 2.5060% | 1,591 |
| Net interest margin | 3.8717% | 3,240 |
| Noninterest income to average assets | 0.3894% | 5,382 |
| Noninterest expense to average assets | 2.2097% | 7,031 |
| Loan and lease loss provision to assets | 0.7554% | 2,175 |
| Net operating income to assets | 1.0844% | 1,826 |
| Return on assets (ROA) | 1.0844% | 1,901 |
| Pretax return on assets | 1.1389% | 2,506 |
| Return on Equity (ROE) | 12.7606% | 1,228 |
| Retained earnings to average equity (ytd only) | 12.7606% | 352 |
| Net charge-offs to loans | 0.3682% | 3,346 |
| Credit loss provision to net charge-offs | 289.5522% | 1,612 |
| Earnings coverage of net charge-offs (x) | 7.2612% | 2,469 |
| Efficiency ratio | 53.8425% | 7,353 |
| Assets per employee ($millions) | 3.8516% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 1,699 |
| Loan loss allowance to noncurrent loans | 228.7356% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 5,955 |
| Noncurrent loans to loans | 0.8471% | 5,527 |
| Net loans and leases to total assets | 67.7885% | 4,184 |
| Net loans and leases to deposits | 87.9650% | 3,178 |
| Net loans and leases to core deposits | 92.9879% | 5,237 |
| Total domestic deposits to total assets | 77.0631% | 6,314 |
| Equity capital to assets | 8.6072% | 5,887 |
| Core capital (leverage) ratio | 8.2282% | 5,929 |
| Tier 1 risk-based capital ratio | 11.9066% | 4,994 |
| Total risk-based capital ratio | 13.1648% | 4,906 |
| Memoranda: | ||
| Average total assets | $102,730,330 | 5,084 |
| Average earning assets | $98,561,670 | 4,937 |
| Average equity | $8,730,000 | 5,768 |
| Average total loans | $72,785,330 | 4,849 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3072% | 1,280 |
| Cost of funding earning assets | 2.6079% | 1,541 |
| Net interest margin | 3.6993% | 3,893 |
| Noninterest income to average assets | 0.3722% | 5,446 |
| Noninterest expense to average assets | 2.2802% | 6,603 |
| Loan and lease loss provision to assets | 0.3291% | 3,349 |
| Net operating income to assets | 1.2380% | 1,537 |
| Return on assets (ROA) | 1.2380% | 1,644 |
| Pretax return on assets | 1.3085% | 2,254 |
| Return on Equity (ROE) | 14.6644% | 1,042 |
| Retained earnings to average equity (ytd only) | 14.6644% | 452 |
| Net charge-offs to loans | 0.0765% | 4,414 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 29.8571% | 1,059 |
| Efficiency ratio | 58.2000% | 6,670 |
| Assets per employee ($millions) | 3.9841% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 2,260 |
| Loan loss allowance to noncurrent loans | 94.3058% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 4,209 |
| Noncurrent loans to loans | 1.7642% | 3,618 |
| Net loans and leases to total assets | 68.9845% | 3,918 |
| Net loans and leases to deposits | 90.2271% | 2,894 |
| Net loans and leases to core deposits | 96.5858% | 4,891 |
| Total domestic deposits to total assets | 76.4565% | 6,419 |
| Equity capital to assets | 8.4740% | 6,115 |
| Core capital (leverage) ratio | 8.2760% | 5,949 |
| Tier 1 risk-based capital ratio | 11.9686% | 4,986 |
| Total risk-based capital ratio | 13.2240% | 4,876 |
| Memoranda: | ||
| Average total assets | $102,098,500 | 5,121 |
| Average earning assets | $97,856,000 | 4,975 |
| Average equity | $8,619,500 | 5,839 |
| Average total loans | $73,233,500 | 4,863 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0401% | 1,029 |
| Cost of funding earning assets | 3.1366% | 1,393 |
| Net interest margin | 3.9035% | 3,541 |
| Noninterest income to average assets | 0.5424% | 4,298 |
| Noninterest expense to average assets | 2.3345% | 6,605 |
| Loan and lease loss provision to assets | 0.1015% | 6,085 |
| Net operating income to assets | 1.7213% | 649 |
| Return on assets (ROA) | 1.7213% | 622 |
| Pretax return on assets | 1.8143% | 916 |
| Return on Equity (ROE) | 20.1900% | 356 |
| Retained earnings to average equity (ytd only) | 10.2686% | 417 |
| Net charge-offs to loans | 0.0807% | 5,615 |
| Credit loss provision to net charge-offs | 162.7119% | 3,174 |
| Earnings coverage of net charge-offs (x) | 30.7119% | 1,154 |
| Efficiency ratio | 54.9254% | 7,160 |
| Assets per employee ($millions) | 3.8696% | 3,809 |
| Cash dividends to net income (ytd only)* | 49.1400% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 2,481 |
| Loan loss allowance to noncurrent loans | 1,309.1954% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 6,989 |
| Noncurrent loans to loans | 0.1179% | 7,060 |
| Net loans and leases to total assets | 72.2195% | 3,533 |
| Net loans and leases to deposits | 94.8898% | 2,636 |
| Net loans and leases to core deposits | 106.1443% | 4,180 |
| Total domestic deposits to total assets | 76.1087% | 6,215 |
| Equity capital to assets | 8.4097% | 6,237 |
| Core capital (leverage) ratio | 8.1638% | 6,233 |
| Tier 1 risk-based capital ratio | 11.4563% | 5,280 |
| Total risk-based capital ratio | 12.6994% | 5,189 |
| Memoranda: | ||
| Average total assets | $94,580,000 | 5,210 |
| Average earning assets | $89,842,000 | 5,088 |
| Average equity | $8,063,400 | 6,065 |
| Average total loans | $73,113,600 | 4,771 |