Home > Farmers & Merchants Bank > Performance and Condition Ratios
Farmers & Merchants 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 | 4.3897% | 3,269 |
| Cost of funding earning assets | 0.4782% | 4,166 |
| Net interest margin | 3.9115% | 2,151 |
| Noninterest income to average assets | 0.5563% | 2,251 |
| Noninterest expense to average assets | 3.1006% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8354% | 3,498 |
| Return on assets (ROA) | 0.8354% | 3,540 |
| Pretax return on assets | 1.1231% | 3,081 |
| Return on Equity (ROE) | 7.9160% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.9160% | 1,698 |
| Net charge-offs to loans | -0.0974% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4101% | 1,825 |
| Assets per employee ($millions) | 4.4523% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,399 |
| Loan loss allowance to noncurrent loans | 475.8065% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.8801% | 1,608 |
| Noncurrent loans to loans | 0.2210% | 3,796 |
| Net loans and leases to total assets | 57.9898% | 3,892 |
| Net loans and leases to deposits | 65.0145% | 4,121 |
| Net loans and leases to core deposits | 68.7839% | 4,145 |
| Total domestic deposits to total assets | 89.1951% | 772 |
| Equity capital to assets | 10.5839% | 3,268 |
| Core capital (leverage) ratio | 9.7348% | 3,884 |
| Tier 1 risk-based capital ratio | 15.6911% | 2,572 |
| Total risk-based capital ratio | 16.7083% | 2,584 |
| Memoranda: | ||
| Average total assets | $189,123,000 | 3,004 |
| Average earning assets | $177,324,500 | 2,981 |
| Average equity | $19,959,500 | 3,161 |
| Average total loans | $114,957,000 | 3,080 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 3,589 |
| Cost of funding earning assets | 0.3656% | 4,187 |
| Net interest margin | 3.7825% | 2,738 |
| Noninterest income to average assets | 0.5959% | 2,315 |
| Noninterest expense to average assets | 2.9732% | 2,122 |
| Loan and lease loss provision to assets | 0.0392% | 3,415 |
| Net operating income to assets | 0.8376% | 3,658 |
| Return on assets (ROA) | 0.8376% | 3,658 |
| Pretax return on assets | 1.1233% | 3,194 |
| Return on Equity (ROE) | 8.5634% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.5634% | 1,024 |
| Net charge-offs to loans | 0.1106% | 1,642 |
| Credit loss provision to net charge-offs | 59.5238% | 3,108 |
| Earnings coverage of net charge-offs (x) | 17.6349% | 2,178 |
| Efficiency ratio | 71.8912% | 1,917 |
| Assets per employee ($millions) | 4.4475% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,821 |
| Loan loss allowance to noncurrent loans | 464.5161% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 1,588 |
| Noncurrent loans to loans | 0.2107% | 3,821 |
| Net loans and leases to total assets | 62.4000% | 3,528 |
| Net loans and leases to deposits | 70.0060% | 3,827 |
| Net loans and leases to core deposits | 74.1674% | 3,840 |
| Total domestic deposits to total assets | 89.1351% | 804 |
| Equity capital to assets | 10.5228% | 3,157 |
| Core capital (leverage) ratio | 9.6097% | 3,993 |
| Tier 1 risk-based capital ratio | 14.6497% | 2,992 |
| Total risk-based capital ratio | 15.5977% | 3,055 |
| Memoranda: | ||
| Average total assets | $191,140,600 | 2,951 |
| Average earning assets | $178,878,200 | 2,931 |
| Average equity | $18,695,800 | 3,214 |
| Average total loans | $113,930,400 | 3,080 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,729 |
| Cost of funding earning assets | 0.3335% | 4,291 |
| Net interest margin | 3.7368% | 2,873 |
| Noninterest income to average assets | 0.5805% | 2,413 |
| Noninterest expense to average assets | 2.9575% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8580% | 3,705 |
| Return on assets (ROA) | 0.8580% | 3,709 |
| Pretax return on assets | 1.1202% | 3,319 |
| Return on Equity (ROE) | 8.9365% | 3,117 |
| Retained earnings to average equity (ytd only) | 8.9365% | 1,244 |
| Net charge-offs to loans | 0.1499% | 1,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 12.7165% | 2,431 |
| Efficiency ratio | 72.5293% | 1,804 |
| Assets per employee ($millions) | 4.4236% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 4,078 |
| Loan loss allowance to noncurrent loans | 1,707.9365% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 1,944 |
| Noncurrent loans to loans | 0.0551% | 4,643 |
| Net loans and leases to total assets | 59.5307% | 3,898 |
| Net loans and leases to deposits | 66.3295% | 4,172 |
| Net loans and leases to core deposits | 70.1062% | 4,187 |
| Total domestic deposits to total assets | 89.7501% | 585 |
| Equity capital to assets | 9.9487% | 3,702 |
| Core capital (leverage) ratio | 8.9281% | 4,769 |
| Tier 1 risk-based capital ratio | 14.0852% | 3,330 |
| Total risk-based capital ratio | 14.9782% | 3,417 |
| Memoranda: | ||
| Average total assets | $192,227,000 | 2,969 |
| Average earning assets | $179,901,000 | 2,946 |
| Average equity | $18,455,750 | 3,263 |
| Average total loans | $112,985,000 | 3,124 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 3,788 |
| Cost of funding earning assets | 0.3115% | 4,334 |
| Net interest margin | 3.6888% | 2,975 |
| Noninterest income to average assets | 0.5578% | 2,536 |
| Noninterest expense to average assets | 2.9352% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8222% | 3,782 |
| Return on assets (ROA) | 0.8222% | 3,789 |
| Pretax return on assets | 1.0731% | 3,422 |
| Return on Equity (ROE) | 8.6668% | 3,191 |
| Retained earnings to average equity (ytd only) | 8.6668% | 1,332 |
| Net charge-offs to loans | -0.0515% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2281% | 1,811 |
| Assets per employee ($millions) | 4.5900% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 2,073 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 56.8010% | 4,097 |
| Net loans and leases to deposits | 63.0145% | 4,351 |
| Net loans and leases to core deposits | 65.9279% | 4,372 |
| Total domestic deposits to total assets | 90.1395% | 526 |
| Equity capital to assets | 9.6291% | 3,983 |
| Core capital (leverage) ratio | 8.7014% | 4,957 |
| Tier 1 risk-based capital ratio | 14.2268% | 3,248 |
| Total risk-based capital ratio | 15.2875% | 3,261 |
| Memoranda: | ||
| Average total assets | $192,897,330 | 2,976 |
| Average earning assets | $180,438,330 | 2,960 |
| Average equity | $18,299,670 | 3,300 |
| Average total loans | $112,542,330 | 3,135 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 3,972 |
| Cost of funding earning assets | 0.2929% | 4,402 |
| Net interest margin | 3.5920% | 3,212 |
| Noninterest income to average assets | 0.5804% | 2,361 |
| Noninterest expense to average assets | 2.9748% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7380% | 3,953 |
| Return on assets (ROA) | 0.7380% | 3,956 |
| Pretax return on assets | 0.9619% | 3,660 |
| Return on Equity (ROE) | 7.8380% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.8380% | 1,904 |
| Net charge-offs to loans | 0.0141% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 538 |
| Efficiency ratio | 75.5661% | 1,660 |
| Assets per employee ($millions) | 4.4580% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,298 |
| Loan loss allowance to noncurrent loans | 207.4394% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 1,573 |
| Noncurrent loans to loans | 0.5369% | 2,913 |
| Net loans and leases to total assets | 54.2767% | 4,259 |
| Net loans and leases to deposits | 59.9734% | 4,472 |
| Net loans and leases to core deposits | 62.6783% | 4,505 |
| Total domestic deposits to total assets | 90.5013% | 478 |
| Equity capital to assets | 9.2743% | 4,291 |
| Core capital (leverage) ratio | 8.6065% | 5,058 |
| Tier 1 risk-based capital ratio | 14.3419% | 3,204 |
| Total risk-based capital ratio | 15.4110% | 3,221 |
| Memoranda: | ||
| Average total assets | $192,956,000 | 3,006 |
| Average earning assets | $180,289,500 | 2,988 |
| Average equity | $18,168,000 | 3,341 |
| Average total loans | $113,447,000 | 3,136 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 3,337 |
| Cost of funding earning assets | 0.2413% | 4,635 |
| Net interest margin | 3.7781% | 2,509 |
| Noninterest income to average assets | 0.5463% | 2,737 |
| Noninterest expense to average assets | 3.0721% | 1,951 |
| Loan and lease loss provision to assets | 0.0458% | 3,324 |
| Net operating income to assets | -0.5781% | 5,548 |
| Return on assets (ROA) | -0.5684% | 5,545 |
| Pretax return on assets | 0.9111% | 3,881 |
| Return on Equity (ROE) | -5.4495% | 5,546 |
| Retained earnings to average equity (ytd only) | -5.4495% | 5,449 |
| Net charge-offs to loans | 0.0416% | 2,950 |
| Credit loss provision to net charge-offs | 177.0833% | 1,530 |
| Earnings coverage of net charge-offs (x) | 36.4167% | 1,341 |
| Efficiency ratio | 76.5369% | 1,551 |
| Assets per employee ($millions) | 4.5180% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,881 |
| Loan loss allowance to noncurrent loans | 230.9021% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 1,536 |
| Noncurrent loans to loans | 0.4370% | 3,214 |
| Net loans and leases to total assets | 62.1982% | 3,592 |
| Net loans and leases to deposits | 68.9549% | 3,951 |
| Net loans and leases to core deposits | 71.0431% | 4,108 |
| Total domestic deposits to total assets | 90.2012% | 499 |
| Equity capital to assets | 9.5617% | 4,176 |
| Core capital (leverage) ratio | 8.5839% | 5,062 |
| Tier 1 risk-based capital ratio | 13.0828% | 3,859 |
| Total risk-based capital ratio | 14.0838% | 3,911 |
| Memoranda: | ||
| Average total assets | $185,605,400 | 3,061 |
| Average earning assets | $170,352,400 | 3,069 |
| Average equity | $19,359,600 | 3,211 |
| Average total loans | $115,312,000 | 3,116 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 3,353 |
| Cost of funding earning assets | 0.2364% | 4,686 |
| Net interest margin | 3.7649% | 2,523 |
| Noninterest income to average assets | 0.5895% | 2,540 |
| Noninterest expense to average assets | 3.1092% | 1,775 |
| Loan and lease loss provision to assets | 0.0217% | 3,714 |
| Net operating income to assets | 0.5635% | 4,532 |
| Return on assets (ROA) | 0.5765% | 4,515 |
| Pretax return on assets | 0.9189% | 3,970 |
| Return on Equity (ROE) | 5.4109% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.4109% | 2,596 |
| Net charge-offs to loans | -0.0396% | 5,090 |
| Credit loss provision to net charge-offs | -88.2353% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1603% | 1,441 |
| Assets per employee ($millions) | 4.2171% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,929 |
| Loan loss allowance to noncurrent loans | 215.0350% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1264% | 1,469 |
| Noncurrent loans to loans | 0.4768% | 3,254 |
| Net loans and leases to total assets | 63.9943% | 3,395 |
| Net loans and leases to deposits | 72.0097% | 3,772 |
| Net loans and leases to core deposits | 73.4943% | 4,024 |
| Total domestic deposits to total assets | 88.8690% | 940 |
| Equity capital to assets | 10.8524% | 3,014 |
| Core capital (leverage) ratio | 8.5772% | 5,186 |
| Tier 1 risk-based capital ratio | 12.6367% | 4,240 |
| Total risk-based capital ratio | 13.6594% | 4,283 |
| Memoranda: | ||
| Average total assets | $184,567,250 | 3,097 |
| Average earning assets | $168,640,750 | 3,116 |
| Average equity | $19,663,500 | 3,201 |
| Average total loans | $114,332,750 | 3,157 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 3,462 |
| Cost of funding earning assets | 0.2310% | 4,708 |
| Net interest margin | 3.6953% | 2,675 |
| Noninterest income to average assets | 0.6036% | 2,436 |
| Noninterest expense to average assets | 3.0732% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5639% | 4,452 |
| Return on assets (ROA) | 0.5840% | 4,426 |
| Pretax return on assets | 0.9303% | 3,828 |
| Return on Equity (ROE) | 5.5163% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.5163% | 2,399 |
| Net charge-offs to loans | -0.0427% | 5,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3709% | 1,543 |
| Assets per employee ($millions) | 3.9649% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 4,109 |
| Loan loss allowance to noncurrent loans | 204.8193% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.6690% | 880 |
| Noncurrent loans to loans | 0.4910% | 3,277 |
| Net loans and leases to total assets | 64.2250% | 3,356 |
| Net loans and leases to deposits | 73.2080% | 3,626 |
| Net loans and leases to core deposits | 74.7621% | 3,877 |
| Total domestic deposits to total assets | 87.7294% | 1,601 |
| Equity capital to assets | 10.9092% | 2,915 |
| Core capital (leverage) ratio | 8.4487% | 5,258 |
| Tier 1 risk-based capital ratio | 12.3568% | 4,382 |
| Total risk-based capital ratio | 13.3416% | 4,446 |
| Memoranda: | ||
| Average total assets | $184,238,330 | 3,111 |
| Average earning assets | $167,941,000 | 3,136 |
| Average equity | $19,505,670 | 3,216 |
| Average total loans | $112,452,330 | 3,186 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 3,932 |
| Cost of funding earning assets | 0.2254% | 4,747 |
| Net interest margin | 3.5264% | 3,175 |
| Noninterest income to average assets | 0.5876% | 2,473 |
| Noninterest expense to average assets | 3.0200% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4874% | 4,648 |
| Return on assets (ROA) | 0.5012% | 4,616 |
| Pretax return on assets | 0.7993% | 4,112 |
| Return on Equity (ROE) | 4.8058% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.8058% | 3,008 |
| Net charge-offs to loans | -0.0365% | 5,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5222% | 1,428 |
| Assets per employee ($millions) | 4.4741% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,898 |
| Loan loss allowance to noncurrent loans | 176.0479% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.6662% | 912 |
| Noncurrent loans to loans | 0.6061% | 3,003 |
| Net loans and leases to total assets | 58.0276% | 3,974 |
| Net loans and leases to deposits | 64.8851% | 4,260 |
| Net loans and leases to core deposits | 66.2978% | 4,411 |
| Total domestic deposits to total assets | 89.4313% | 929 |
| Equity capital to assets | 10.3478% | 3,351 |
| Core capital (leverage) ratio | 8.3255% | 5,364 |
| Tier 1 risk-based capital ratio | 12.4109% | 4,440 |
| Total risk-based capital ratio | 13.4090% | 4,508 |
| Memoranda: | ||
| Average total assets | $185,164,000 | 3,135 |
| Average earning assets | $168,558,500 | 3,151 |
| Average equity | $19,310,000 | 3,254 |
| Average total loans | $109,514,500 | 3,254 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 3,912 |
| Cost of funding earning assets | 0.2326% | 4,717 |
| Net interest margin | 3.5683% | 3,194 |
| Noninterest income to average assets | 0.2875% | 4,684 |
| Noninterest expense to average assets | 3.1296% | 1,954 |
| Loan and lease loss provision to assets | -0.1681% | 5,755 |
| Net operating income to assets | 0.3370% | 5,118 |
| Return on assets (ROA) | 0.4063% | 5,002 |
| Pretax return on assets | 0.6399% | 4,680 |
| Return on Equity (ROE) | 3.7931% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.7931% | 3,214 |
| Net charge-offs to loans | -0.0715% | 5,485 |
| Credit loss provision to net charge-offs | 416.6667% | 767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5893% | 582 |
| Assets per employee ($millions) | 4.2422% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,876 |
| Loan loss allowance to noncurrent loans | 747.4359% | 761 |
| Noncurrent assets plus other real estate owned to assets | 1.9346% | 725 |
| Noncurrent loans to loans | 0.1434% | 4,659 |
| Net loans and leases to total assets | 59.0114% | 3,963 |
| Net loans and leases to deposits | 66.1482% | 4,233 |
| Net loans and leases to core deposits | 67.6345% | 4,423 |
| Total domestic deposits to total assets | 89.2108% | 1,001 |
| Equity capital to assets | 10.5118% | 3,142 |
| Core capital (leverage) ratio | 8.2257% | 5,493 |
| Tier 1 risk-based capital ratio | 12.4469% | 4,409 |
| Total risk-based capital ratio | 13.4557% | 4,453 |
| Memoranda: | ||
| Average total assets | $178,459,800 | 3,182 |
| Average earning assets | $160,329,000 | 3,234 |
| Average equity | $19,113,600 | 3,257 |
| Average total loans | $100,684,600 | 3,370 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 3,941 |
| Cost of funding earning assets | 0.2329% | 4,767 |
| Net interest margin | 3.5613% | 3,229 |
| Noninterest income to average assets | 0.4342% | 3,664 |
| Noninterest expense to average assets | 3.1388% | 1,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3197% | 5,242 |
| Return on assets (ROA) | 0.4140% | 5,065 |
| Pretax return on assets | 0.6341% | 4,786 |
| Return on Equity (ROE) | 3.8467% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.8467% | 3,567 |
| Net charge-offs to loans | 0.0324% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 27.1244% | 1,576 |
| Efficiency ratio | 86.5189% | 785 |
| Assets per employee ($millions) | 4.0844% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 2,321 |
| Loan loss allowance to noncurrent loans | 441.9355% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 2.2397% | 648 |
| Noncurrent loans to loans | 0.3110% | 4,138 |
| Net loans and leases to total assets | 54.7075% | 4,430 |
| Net loans and leases to deposits | 61.5336% | 4,661 |
| Net loans and leases to core deposits | 62.9400% | 4,778 |
| Total domestic deposits to total assets | 88.9067% | 955 |
| Equity capital to assets | 10.7984% | 3,245 |
| Core capital (leverage) ratio | 8.3864% | 5,436 |
| Tier 1 risk-based capital ratio | 13.4475% | 3,892 |
| Total risk-based capital ratio | 14.7203% | 3,787 |
| Memoranda: | ||
| Average total assets | $177,471,250 | 3,205 |
| Average earning assets | $159,152,250 | 3,268 |
| Average equity | $19,098,250 | 3,278 |
| Average total loans | $98,653,000 | 3,414 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 3,883 |
| Cost of funding earning assets | 0.2328% | 4,822 |
| Net interest margin | 3.5888% | 3,142 |
| Noninterest income to average assets | 0.5002% | 3,190 |
| Noninterest expense to average assets | 3.1145% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3876% | 5,074 |
| Return on assets (ROA) | 0.4516% | 4,953 |
| Pretax return on assets | 0.6937% | 4,634 |
| Return on Equity (ROE) | 4.2010% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.2010% | 3,233 |
| Net charge-offs to loans | 0.0915% | 1,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.6889% | 2,241 |
| Efficiency ratio | 83.9536% | 1,055 |
| Assets per employee ($millions) | 4.1945% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,516 |
| Loan loss allowance to noncurrent loans | 717.5532% | 776 |
| Noncurrent assets plus other real estate owned to assets | 2.2796% | 657 |
| Noncurrent loans to loans | 0.1886% | 4,681 |
| Net loans and leases to total assets | 55.8287% | 4,329 |
| Net loans and leases to deposits | 62.8882% | 4,579 |
| Net loans and leases to core deposits | 63.9160% | 4,754 |
| Total domestic deposits to total assets | 88.7745% | 1,027 |
| Equity capital to assets | 10.9331% | 3,128 |
| Core capital (leverage) ratio | 8.2813% | 5,548 |
| Tier 1 risk-based capital ratio | 13.0420% | 4,177 |
| Total risk-based capital ratio | 14.2763% | 4,099 |
| Memoranda: | ||
| Average total assets | $176,724,330 | 3,232 |
| Average earning assets | $158,048,670 | 3,297 |
| Average equity | $18,995,670 | 3,303 |
| Average total loans | $98,308,670 | 3,436 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 3,919 |
| Cost of funding earning assets | 0.2306% | 4,897 |
| Net interest margin | 3.5759% | 3,184 |
| Noninterest income to average assets | 0.6373% | 2,330 |
| Noninterest expense to average assets | 3.1909% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4113% | 4,964 |
| Return on assets (ROA) | 0.4994% | 4,730 |
| Pretax return on assets | 0.7706% | 4,300 |
| Return on Equity (ROE) | 4.6864% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.6864% | 3,127 |
| Net charge-offs to loans | -0.2787% | 5,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4022% | 1,212 |
| Assets per employee ($millions) | 3.9772% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,999 |
| Loan loss allowance to noncurrent loans | 807.7348% | 676 |
| Noncurrent assets plus other real estate owned to assets | 2.9194% | 440 |
| Noncurrent loans to loans | 0.1854% | 4,748 |
| Net loans and leases to total assets | 53.7436% | 4,476 |
| Net loans and leases to deposits | 60.3189% | 4,696 |
| Net loans and leases to core deposits | 61.2840% | 4,857 |
| Total domestic deposits to total assets | 89.0990% | 1,056 |
| Equity capital to assets | 10.6496% | 3,312 |
| Core capital (leverage) ratio | 8.2344% | 5,624 |
| Tier 1 risk-based capital ratio | 12.9764% | 4,281 |
| Total risk-based capital ratio | 14.2516% | 4,181 |
| Memoranda: | ||
| Average total assets | $177,001,000 | 3,232 |
| Average earning assets | $157,834,000 | 3,312 |
| Average equity | $18,863,000 | 3,319 |
| Average total loans | $97,611,500 | 3,460 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 3,569 |
| Cost of funding earning assets | 0.2535% | 4,742 |
| Net interest margin | 3.6856% | 2,803 |
| Noninterest income to average assets | 0.1252% | 5,785 |
| Noninterest expense to average assets | 3.3525% | 1,603 |
| Loan and lease loss provision to assets | -0.3560% | 6,091 |
| Net operating income to assets | 4.3859% | 55 |
| Return on assets (ROA) | 4.4696% | 53 |
| Pretax return on assets | 0.4894% | 5,134 |
| Return on Equity (ROE) | 45.1603% | 19 |
| Retained earnings to average equity (ytd only) | 45.1603% | 5 |
| Net charge-offs to loans | 0.2739% | 1,106 |
| Credit loss provision to net charge-offs | -229.8851% | 5,296 |
| Earnings coverage of net charge-offs (x) | 0.3218% | 4,238 |
| Efficiency ratio | 98.5353% | 321 |
| Assets per employee ($millions) | 4.0704% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 2,297 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 376 |
| Noncurrent assets plus other real estate owned to assets | 3.2538% | 390 |
| Noncurrent loans to loans | 0.0840% | 5,164 |
| Net loans and leases to total assets | 54.9512% | 4,399 |
| Net loans and leases to deposits | 61.7619% | 4,649 |
| Net loans and leases to core deposits | 62.6498% | 4,833 |
| Total domestic deposits to total assets | 88.9726% | 1,128 |
| Equity capital to assets | 10.6646% | 3,175 |
| Core capital (leverage) ratio | 8.1970% | 5,702 |
| Tier 1 risk-based capital ratio | 13.0547% | 4,270 |
| Total risk-based capital ratio | 14.3409% | 4,166 |
| Memoranda: | ||
| Average total assets | $168,561,000 | 3,325 |
| Average earning assets | $149,881,600 | 3,407 |
| Average equity | $16,682,800 | 3,570 |
| Average total loans | $95,303,000 | 3,468 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 3,499 |
| Cost of funding earning assets | 0.2604% | 4,771 |
| Net interest margin | 3.6989% | 2,777 |
| Noninterest income to average assets | 0.0264% | 6,145 |
| Noninterest expense to average assets | 3.4014% | 1,478 |
| Loan and lease loss provision to assets | -0.4792% | 6,207 |
| Net operating income to assets | 5.8238% | 40 |
| Return on assets (ROA) | 5.8932% | 39 |
| Pretax return on assets | 0.4640% | 5,309 |
| Return on Equity (ROE) | 60.7798% | 9 |
| Retained earnings to average equity (ytd only) | 60.7798% | 2 |
| Net charge-offs to loans | 0.3251% | 816 |
| Credit loss provision to net charge-offs | -259.7403% | 5,235 |
| Earnings coverage of net charge-offs (x) | -0.4589% | 4,023 |
| Efficiency ratio | 102.5524% | 245 |
| Assets per employee ($millions) | 4.0481% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 2,275 |
| Loan loss allowance to noncurrent loans | 949.3333% | 613 |
| Noncurrent assets plus other real estate owned to assets | 3.3808% | 393 |
| Noncurrent loans to loans | 0.1550% | 5,018 |
| Net loans and leases to total assets | 54.7785% | 4,482 |
| Net loans and leases to deposits | 61.6099% | 4,747 |
| Net loans and leases to core deposits | 62.3875% | 4,914 |
| Total domestic deposits to total assets | 88.9119% | 1,072 |
| Equity capital to assets | 10.7497% | 3,302 |
| Core capital (leverage) ratio | 8.3761% | 5,647 |
| Tier 1 risk-based capital ratio | 13.1943% | 4,326 |
| Total risk-based capital ratio | 14.4818% | 4,219 |
| Memoranda: | ||
| Average total assets | $166,944,250 | 3,382 |
| Average earning assets | $148,509,500 | 3,458 |
| Average equity | $16,187,000 | 3,678 |
| Average total loans | $94,735,250 | 3,515 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,277 |
| Cost of funding earning assets | 0.2717% | 4,694 |
| Net interest margin | 3.7307% | 2,576 |
| Noninterest income to average assets | 0.5201% | 3,225 |
| Noninterest expense to average assets | 3.4028% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 8.7684% | 27 |
| Return on assets (ROA) | 8.8340% | 27 |
| Pretax return on assets | 0.5031% | 5,216 |
| Return on Equity (ROE) | 94.7389% | 5 |
| Retained earnings to average equity (ytd only) | 94.7389% | 1 |
| Net charge-offs to loans | 0.5337% | 458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.4343% | 3,512 |
| Efficiency ratio | 88.6076% | 867 |
| Assets per employee ($millions) | 3.9088% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1118% | 843 |
| Loan loss allowance to noncurrent loans | 795.2381% | 680 |
| Noncurrent assets plus other real estate owned to assets | 4.0802% | 326 |
| Noncurrent loans to loans | 0.2656% | 4,716 |
| Net loans and leases to total assets | 55.2671% | 4,414 |
| Net loans and leases to deposits | 62.3472% | 4,676 |
| Net loans and leases to core deposits | 62.9493% | 4,880 |
| Total domestic deposits to total assets | 88.6441% | 1,333 |
| Equity capital to assets | 11.0346% | 2,856 |
| Core capital (leverage) ratio | 8.2825% | 5,725 |
| Tier 1 risk-based capital ratio | 13.2520% | 4,371 |
| Total risk-based capital ratio | 14.5480% | 4,270 |
| Memoranda: | ||
| Average total assets | $164,569,000 | 3,425 |
| Average earning assets | $146,459,670 | 3,513 |
| Average equity | $15,345,330 | 3,837 |
| Average total loans | $94,054,670 | 3,552 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 3,274 |
| Cost of funding earning assets | 0.2691% | 4,798 |
| Net interest margin | 3.7182% | 2,563 |
| Noninterest income to average assets | 0.3906% | 4,085 |
| Noninterest expense to average assets | 3.5034% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 17.4040% | 10 |
| Return on assets (ROA) | 17.4998% | 10 |
| Pretax return on assets | 0.3096% | 5,632 |
| Return on Equity (ROE) | 207.2975% | 3 |
| Retained earnings to average equity (ytd only) | 207.2975% | 2 |
| Net charge-offs to loans | 1.0851% | 215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.3425% | 3,070 |
| Efficiency ratio | 94.2498% | 585 |
| Assets per employee ($millions) | 3.7682% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 842 |
| Loan loss allowance to noncurrent loans | 411.7284% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 4.1452% | 356 |
| Noncurrent loans to loans | 0.5254% | 3,993 |
| Net loans and leases to total assets | 53.3697% | 4,508 |
| Net loans and leases to deposits | 60.5142% | 4,704 |
| Net loans and leases to core deposits | 61.0099% | 4,919 |
| Total domestic deposits to total assets | 88.1937% | 1,714 |
| Equity capital to assets | 10.8940% | 3,096 |
| Core capital (leverage) ratio | 8.5491% | 5,473 |
| Tier 1 risk-based capital ratio | 13.4459% | 4,353 |
| Total risk-based capital ratio | 14.7451% | 4,243 |
| Memoranda: | ||
| Average total assets | $162,813,500 | 3,470 |
| Average earning assets | $145,660,000 | 3,542 |
| Average equity | $13,744,500 | 4,120 |
| Average total loans | $93,633,500 | 3,569 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 2,911 |
| Cost of funding earning assets | 0.2959% | 4,833 |
| Net interest margin | 3.9171% | 2,166 |
| Noninterest income to average assets | 0.3347% | 4,715 |
| Noninterest expense to average assets | 3.5229% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3723% | 5,316 |
| Return on assets (ROA) | 0.4482% | 5,119 |
| Pretax return on assets | 0.4482% | 5,390 |
| Return on Equity (ROE) | 8.3514% | 2,938 |
| Retained earnings to average equity (ytd only) | 8.3514% | 890 |
| Net charge-offs to loans | 0.6572% | 586 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.9535% | 4,527 |
| Efficiency ratio | 90.4409% | 814 |
| Assets per employee ($millions) | 3.4679% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3795% | 638 |
| Loan loss allowance to noncurrent loans | 115.3453% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 5.3231% | 240 |
| Noncurrent loans to loans | 2.0630% | 1,330 |
| Net loans and leases to total assets | 59.2809% | 3,880 |
| Net loans and leases to deposits | 63.6272% | 4,564 |
| Net loans and leases to core deposits | 64.1629% | 4,816 |
| Total domestic deposits to total assets | 93.1692% | 60 |
| Equity capital to assets | 5.7774% | 6,426 |
| Core capital (leverage) ratio | 5.7273% | 6,427 |
| Tier 1 risk-based capital ratio | 9.3771% | 6,368 |
| Total risk-based capital ratio | 10.6407% | 6,347 |
| Memoranda: | ||
| Average total assets | $159,528,400 | 3,496 |
| Average earning assets | $145,004,400 | 3,524 |
| Average equity | $8,561,400 | 5,071 |
| Average total loans | $94,802,200 | 3,531 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 2,968 |
| Cost of funding earning assets | 0.3001% | 4,886 |
| Net interest margin | 3.9054% | 2,213 |
| Noninterest income to average assets | 0.3308% | 4,792 |
| Noninterest expense to average assets | 3.5204% | 1,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3583% | 5,403 |
| Return on assets (ROA) | 0.4281% | 5,223 |
| Pretax return on assets | 0.4281% | 5,524 |
| Return on Equity (ROE) | 8.1282% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.1282% | 1,298 |
| Net charge-offs to loans | 0.8944% | 366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.6777% | 4,338 |
| Efficiency ratio | 90.7630% | 792 |
| Assets per employee ($millions) | 3.3381% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3319% | 799 |
| Loan loss allowance to noncurrent loans | 109.7943% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 5.6523% | 259 |
| Noncurrent loans to loans | 2.1239% | 1,468 |
| Net loans and leases to total assets | 59.8520% | 3,814 |
| Net loans and leases to deposits | 64.1388% | 4,523 |
| Net loans and leases to core deposits | 64.8054% | 4,816 |
| Total domestic deposits to total assets | 93.3164% | 65 |
| Equity capital to assets | 5.5764% | 6,504 |
| Core capital (leverage) ratio | 5.5643% | 6,501 |
| Tier 1 risk-based capital ratio | 8.9003% | 6,487 |
| Total risk-based capital ratio | 10.1624% | 6,484 |
| Memoranda: | ||
| Average total assets | $160,396,250 | 3,514 |
| Average earning assets | $145,708,500 | 3,552 |
| Average equity | $8,447,750 | 5,142 |
| Average total loans | $94,811,000 | 3,564 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,306 |
| Cost of funding earning assets | 0.3017% | 4,954 |
| Net interest margin | 3.8056% | 2,552 |
| Noninterest income to average assets | 0.3318% | 4,764 |
| Noninterest expense to average assets | 3.4909% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2921% | 5,595 |
| Return on assets (ROA) | 0.3949% | 5,312 |
| Pretax return on assets | 0.3949% | 5,578 |
| Return on Equity (ROE) | 7.6432% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.6432% | 1,455 |
| Net charge-offs to loans | 1.0343% | 337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.4836% | 4,035 |
| Efficiency ratio | 92.2775% | 746 |
| Assets per employee ($millions) | 3.4710% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4725% | 742 |
| Loan loss allowance to noncurrent loans | 94.3918% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 6.0288% | 244 |
| Noncurrent loans to loans | 2.6194% | 1,166 |
| Net loans and leases to total assets | 59.0451% | 3,855 |
| Net loans and leases to deposits | 63.2205% | 4,570 |
| Net loans and leases to core deposits | 63.9751% | 4,821 |
| Total domestic deposits to total assets | 93.3956% | 67 |
| Equity capital to assets | 5.3587% | 6,572 |
| Core capital (leverage) ratio | 5.2981% | 6,573 |
| Tier 1 risk-based capital ratio | 8.6826% | 6,555 |
| Total risk-based capital ratio | 9.9472% | 6,556 |
| Memoranda: | ||
| Average total assets | $161,564,330 | 3,512 |
| Average earning assets | $146,520,330 | 3,550 |
| Average equity | $8,347,330 | 5,185 |
| Average total loans | $94,366,330 | 3,582 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 3,414 |
| Cost of funding earning assets | 0.3025% | 5,039 |
| Net interest margin | 3.7640% | 2,618 |
| Noninterest income to average assets | 0.1231% | 6,231 |
| Noninterest expense to average assets | 3.5443% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0222% | 6,229 |
| Return on assets (ROA) | 0.0935% | 6,072 |
| Pretax return on assets | 0.0935% | 6,089 |
| Return on Equity (ROE) | 1.8440% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.8440% | 4,861 |
| Net charge-offs to loans | -0.1073% | 6,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6289% | 448 |
| Assets per employee ($millions) | 3.7389% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1368% | 377 |
| Loan loss allowance to noncurrent loans | 117.3403% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 6.4634% | 249 |
| Noncurrent loans to loans | 2.6732% | 1,269 |
| Net loans and leases to total assets | 54.4912% | 4,350 |
| Net loans and leases to deposits | 58.1262% | 4,925 |
| Net loans and leases to core deposits | 58.7984% | 5,144 |
| Total domestic deposits to total assets | 93.7463% | 69 |
| Equity capital to assets | 5.0222% | 6,633 |
| Core capital (leverage) ratio | 5.0895% | 6,643 |
| Tier 1 risk-based capital ratio | 8.6245% | 6,607 |
| Total risk-based capital ratio | 9.8960% | 6,610 |
| Memoranda: | ||
| Average total assets | $162,513,500 | 3,522 |
| Average earning assets | $146,760,500 | 3,572 |
| Average equity | $8,243,000 | 5,231 |
| Average total loans | $93,217,000 | 3,632 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 1,502 |
| Cost of funding earning assets | 0.4328% | 4,291 |
| Net interest margin | 4.2931% | 1,122 |
| Noninterest income to average assets | 0.2002% | 5,886 |
| Noninterest expense to average assets | 3.8820% | 1,014 |
| Loan and lease loss provision to assets | 0.0948% | 3,226 |
| Net operating income to assets | 0.0498% | 6,130 |
| Return on assets (ROA) | 0.0498% | 6,179 |
| Pretax return on assets | 0.0361% | 6,176 |
| Return on Equity (ROE) | 1.0157% | 6,077 |
| Retained earnings to average equity (ytd only) | 1.0157% | 5,385 |
| Net charge-offs to loans | 2.0284% | 186 |
| Credit loss provision to net charge-offs | 7.5937% | 4,614 |
| Earnings coverage of net charge-offs (x) | 0.1049% | 5,050 |
| Efficiency ratio | 96.7380% | 597 |
| Assets per employee ($millions) | 3.3441% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0654% | 432 |
| Loan loss allowance to noncurrent loans | 113.7549% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 7.3488% | 225 |
| Noncurrent loans to loans | 2.6947% | 1,359 |
| Net loans and leases to total assets | 56.6978% | 4,226 |
| Net loans and leases to deposits | 60.4582% | 4,900 |
| Net loans and leases to core deposits | 61.1870% | 5,135 |
| Total domestic deposits to total assets | 93.7801% | 87 |
| Equity capital to assets | 5.1235% | 6,681 |
| Core capital (leverage) ratio | 5.0932% | 6,709 |
| Tier 1 risk-based capital ratio | 8.3786% | 6,684 |
| Total risk-based capital ratio | 9.6490% | 6,685 |
| Memoranda: | ||
| Average total assets | $168,829,000 | 3,429 |
| Average earning assets | $149,937,600 | 3,504 |
| Average equity | $8,270,200 | 5,270 |
| Average total loans | $103,874,400 | 3,366 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 1,257 |
| Cost of funding earning assets | 0.4648% | 4,119 |
| Net interest margin | 4.3771% | 937 |
| Noninterest income to average assets | 0.1841% | 6,091 |
| Noninterest expense to average assets | 3.9241% | 933 |
| Loan and lease loss provision to assets | 0.1248% | 2,732 |
| Net operating income to assets | 0.0320% | 6,251 |
| Return on assets (ROA) | 0.0320% | 6,305 |
| Pretax return on assets | 0.0140% | 6,309 |
| Return on Equity (ROE) | 0.6601% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.6601% | 5,703 |
| Net charge-offs to loans | 2.2800% | 148 |
| Credit loss provision to net charge-offs | 8.7960% | 4,228 |
| Earnings coverage of net charge-offs (x) | 0.0979% | 4,828 |
| Efficiency ratio | 96.5822% | 595 |
| Assets per employee ($millions) | 3.1146% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2418% | 434 |
| Loan loss allowance to noncurrent loans | 99.3411% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 8.5404% | 198 |
| Noncurrent loans to loans | 3.2633% | 1,203 |
| Net loans and leases to total assets | 58.3459% | 3,952 |
| Net loans and leases to deposits | 62.4089% | 4,703 |
| Net loans and leases to core deposits | 62.9007% | 5,021 |
| Total domestic deposits to total assets | 93.4898% | 94 |
| Equity capital to assets | 5.0759% | 6,769 |
| Core capital (leverage) ratio | 4.9991% | 6,787 |
| Tier 1 risk-based capital ratio | 8.0156% | 6,765 |
| Total risk-based capital ratio | 9.2881% | 6,768 |
| Memoranda: | ||
| Average total assets | $170,907,250 | 3,427 |
| Average earning assets | $151,452,750 | 3,506 |
| Average equity | $8,281,750 | 5,321 |
| Average total loans | $106,371,250 | 3,340 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 882 |
| Cost of funding earning assets | 0.5045% | 3,856 |
| Net interest margin | 4.5180% | 688 |
| Noninterest income to average assets | 0.1645% | 6,232 |
| Noninterest expense to average assets | 3.7415% | 1,181 |
| Loan and lease loss provision to assets | 0.1840% | 2,062 |
| Net operating income to assets | 0.2622% | 5,742 |
| Return on assets (ROA) | 0.2622% | 5,872 |
| Pretax return on assets | 0.2358% | 6,023 |
| Return on Equity (ROE) | 5.4927% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.4927% | 2,747 |
| Net charge-offs to loans | 1.9620% | 230 |
| Credit loss provision to net charge-offs | 14.9254% | 3,829 |
| Earnings coverage of net charge-offs (x) | 0.3405% | 4,427 |
| Efficiency ratio | 89.9116% | 1,056 |
| Assets per employee ($millions) | 3.1873% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7425% | 305 |
| Loan loss allowance to noncurrent loans | 100.8245% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 9.3781% | 170 |
| Noncurrent loans to loans | 3.7119% | 1,099 |
| Net loans and leases to total assets | 59.5788% | 3,735 |
| Net loans and leases to deposits | 63.4678% | 4,564 |
| Net loans and leases to core deposits | 64.0657% | 4,888 |
| Total domestic deposits to total assets | 93.8725% | 66 |
| Equity capital to assets | 4.9750% | 6,827 |
| Core capital (leverage) ratio | 4.8925% | 6,835 |
| Tier 1 risk-based capital ratio | 7.7578% | 6,811 |
| Total risk-based capital ratio | 9.0368% | 6,810 |
| Memoranda: | ||
| Average total assets | $173,889,670 | 3,394 |
| Average earning assets | $153,830,670 | 3,493 |
| Average equity | $8,302,000 | 5,362 |
| Average total loans | $109,274,000 | 3,289 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 2,143 |
| Cost of funding earning assets | 0.5656% | 3,420 |
| Net interest margin | 3.9415% | 1,972 |
| Noninterest income to average assets | 0.7076% | 2,552 |
| Noninterest expense to average assets | 3.5743% | 1,465 |
| Loan and lease loss provision to assets | 0.2722% | 1,298 |
| Net operating income to assets | 0.3379% | 5,405 |
| Return on assets (ROA) | 0.3379% | 5,545 |
| Pretax return on assets | 0.3379% | 5,753 |
| Return on Equity (ROE) | 7.2234% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.2234% | 2,059 |
| Net charge-offs to loans | 1.8310% | 266 |
| Credit loss provision to net charge-offs | 23.4834% | 2,991 |
| Earnings coverage of net charge-offs (x) | 0.5264% | 3,644 |
| Efficiency ratio | 85.4201% | 1,594 |
| Assets per employee ($millions) | 3.1407% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1275% | 255 |
| Loan loss allowance to noncurrent loans | 97.0878% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 9.9148% | 197 |
| Noncurrent loans to loans | 4.2513% | 1,019 |
| Net loans and leases to total assets | 58.5588% | 3,686 |
| Net loans and leases to deposits | 62.2143% | 4,514 |
| Net loans and leases to core deposits | 62.7763% | 4,875 |
| Total domestic deposits to total assets | 94.1243% | 67 |
| Equity capital to assets | 4.7340% | 6,907 |
| Core capital (leverage) ratio | 4.7405% | 6,893 |
| Tier 1 risk-based capital ratio | 7.5324% | 6,874 |
| Total risk-based capital ratio | 8.8168% | 6,873 |
| Memoranda: | ||
| Average total assets | $176,371,500 | 3,397 |
| Average earning assets | $155,576,500 | 3,507 |
| Average equity | $8,251,000 | 5,423 |
| Average total loans | $111,632,500 | 3,254 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 1,712 |
| Cost of funding earning assets | 0.9209% | 1,811 |
| Net interest margin | 4.0202% | 2,317 |
| Noninterest income to average assets | -0.3871% | 7,015 |
| Noninterest expense to average assets | 3.4550% | 1,938 |
| Loan and lease loss provision to assets | 0.4928% | 1,222 |
| Net operating income to assets | -0.8138% | 6,679 |
| Return on assets (ROA) | -0.8138% | 6,702 |
| Pretax return on assets | -0.8022% | 6,675 |
| Return on Equity (ROE) | -16.8104% | 6,849 |
| Retained earnings to average equity (ytd only) | -16.8104% | 6,804 |
| Net charge-offs to loans | 1.5614% | 559 |
| Credit loss provision to net charge-offs | 45.7331% | 4,792 |
| Earnings coverage of net charge-offs (x) | -0.2871% | 5,613 |
| Efficiency ratio | 109.8353% | 336 |
| Assets per employee ($millions) | 3.2157% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1653% | 258 |
| Loan loss allowance to noncurrent loans | 69.2551% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 11.9379% | 144 |
| Noncurrent loans to loans | 6.0144% | 597 |
| Net loans and leases to total assets | 62.7676% | 3,102 |
| Net loans and leases to deposits | 66.7376% | 4,175 |
| Net loans and leases to core deposits | 67.4750% | 4,595 |
| Total domestic deposits to total assets | 94.0514% | 66 |
| Equity capital to assets | 4.6227% | 6,969 |
| Core capital (leverage) ratio | 4.4894% | 6,963 |
| Tier 1 risk-based capital ratio | 6.8453% | 6,962 |
| Total risk-based capital ratio | 8.1301% | 6,961 |
| Memoranda: | ||
| Average total assets | $196,844,200 | 3,087 |
| Average earning assets | $172,975,600 | 3,193 |
| Average equity | $9,529,800 | 5,098 |
| Average total loans | $135,836,200 | 2,777 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 1,610 |
| Cost of funding earning assets | 0.9799% | 1,679 |
| Net interest margin | 4.0497% | 2,296 |
| Noninterest income to average assets | -0.1037% | 7,028 |
| Noninterest expense to average assets | 3.2104% | 2,535 |
| Loan and lease loss provision to assets | 0.2807% | 2,320 |
| Net operating income to assets | -0.0350% | 6,328 |
| Return on assets (ROA) | -0.0350% | 6,449 |
| Pretax return on assets | -0.0350% | 6,432 |
| Return on Equity (ROE) | -0.7160% | 6,476 |
| Retained earnings to average equity (ytd only) | -0.7160% | 6,221 |
| Net charge-offs to loans | 1.1531% | 870 |
| Credit loss provision to net charge-offs | 34.8933% | 4,715 |
| Earnings coverage of net charge-offs (x) | 0.3054% | 5,171 |
| Efficiency ratio | 92.8899% | 837 |
| Assets per employee ($millions) | 3.3347% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0364% | 298 |
| Loan loss allowance to noncurrent loans | 74.1276% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 12.6879% | 139 |
| Noncurrent loans to loans | 5.4453% | 791 |
| Net loans and leases to total assets | 65.9841% | 2,651 |
| Net loans and leases to deposits | 70.4827% | 3,831 |
| Net loans and leases to core deposits | 72.0757% | 4,242 |
| Total domestic deposits to total assets | 93.6175% | 81 |
| Equity capital to assets | 5.2071% | 7,037 |
| Core capital (leverage) ratio | 5.1122% | 7,015 |
| Tier 1 risk-based capital ratio | 7.2667% | 7,033 |
| Total risk-based capital ratio | 8.5493% | 7,033 |
| Memoranda: | ||
| Average total assets | $201,839,000 | 3,052 |
| Average earning assets | $177,424,250 | 3,167 |
| Average equity | $9,868,250 | 5,053 |
| Average total loans | $140,835,500 | 2,743 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 1,616 |
| Cost of funding earning assets | 1.0627% | 1,396 |
| Net interest margin | 4.0017% | 2,496 |
| Noninterest income to average assets | 0.1450% | 6,473 |
| Noninterest expense to average assets | 3.0821% | 2,977 |
| Loan and lease loss provision to assets | 0.3625% | 1,823 |
| Net operating income to assets | 0.2282% | 5,836 |
| Return on assets (ROA) | 0.2282% | 6,024 |
| Pretax return on assets | 0.2282% | 6,102 |
| Return on Equity (ROE) | 4.7598% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.7598% | 3,441 |
| Net charge-offs to loans | 1.0139% | 1,091 |
| Credit loss provision to net charge-offs | 51.0204% | 4,011 |
| Earnings coverage of net charge-offs (x) | 0.8313% | 4,644 |
| Efficiency ratio | 83.9168% | 1,645 |
| Assets per employee ($millions) | 3.5050% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1704% | 308 |
| Loan loss allowance to noncurrent loans | 93.2735% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 11.5416% | 194 |
| Noncurrent loans to loans | 4.4711% | 1,188 |
| Net loans and leases to total assets | 66.9430% | 2,473 |
| Net loans and leases to deposits | 71.4698% | 3,688 |
| Net loans and leases to core deposits | 73.2079% | 4,140 |
| Total domestic deposits to total assets | 93.6661% | 90 |
| Equity capital to assets | 5.1942% | 7,091 |
| Core capital (leverage) ratio | 4.9532% | 7,076 |
| Tier 1 risk-based capital ratio | 7.2225% | 7,085 |
| Total risk-based capital ratio | 8.5074% | 7,082 |
| Memoranda: | ||
| Average total assets | $206,870,330 | 3,010 |
| Average earning assets | $182,371,000 | 3,094 |
| Average equity | $9,916,330 | 5,053 |
| Average total loans | $144,979,000 | 2,687 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0762% | 1,648 |
| Cost of funding earning assets | 1.1706% | 1,102 |
| Net interest margin | 3.9056% | 2,895 |
| Noninterest income to average assets | 0.3366% | 5,167 |
| Noninterest expense to average assets | 3.1806% | 2,668 |
| Loan and lease loss provision to assets | 0.2711% | 2,290 |
| Net operating income to assets | 0.3347% | 5,534 |
| Return on assets (ROA) | 0.3347% | 5,706 |
| Pretax return on assets | 0.3347% | 5,896 |
| Return on Equity (ROE) | 7.2558% | 3,627 |
| Retained earnings to average equity (ytd only) | 7.2558% | 2,298 |
| Net charge-offs to loans | 0.5941% | 1,609 |
| Credit loss provision to net charge-offs | 65.0224% | 3,015 |
| Earnings coverage of net charge-offs (x) | 1.4529% | 3,599 |
| Efficiency ratio | 84.0000% | 1,683 |
| Assets per employee ($millions) | 3.6978% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1044% | 341 |
| Loan loss allowance to noncurrent loans | 79.1997% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 11.5943% | 222 |
| Noncurrent loans to loans | 5.1823% | 1,060 |
| Net loans and leases to total assets | 65.3789% | 2,585 |
| Net loans and leases to deposits | 69.4106% | 3,815 |
| Net loans and leases to core deposits | 72.4512% | 4,082 |
| Total domestic deposits to total assets | 94.1915% | 86 |
| Equity capital to assets | 4.7240% | 7,151 |
| Core capital (leverage) ratio | 4.6627% | 7,144 |
| Tier 1 risk-based capital ratio | 6.7561% | 7,146 |
| Total risk-based capital ratio | 8.0402% | 7,148 |
| Memoranda: | ||
| Average total assets | $213,919,000 | 2,958 |
| Average earning assets | $188,958,500 | 3,027 |
| Average equity | $9,868,000 | 5,076 |
| Average total loans | $150,136,500 | 2,632 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 3,735 |
| Cost of funding earning assets | 1.5236% | 655 |
| Net interest margin | 3.2921% | 5,830 |
| Noninterest income to average assets | 0.3516% | 4,990 |
| Noninterest expense to average assets | 3.0172% | 3,532 |
| Loan and lease loss provision to assets | 4.1068% | 46 |
| Net operating income to assets | -3.7386% | 7,240 |
| Return on assets (ROA) | -3.7386% | 7,246 |
| Pretax return on assets | -3.7386% | 7,253 |
| Return on Equity (ROE) | -68.2584% | 7,268 |
| Retained earnings to average equity (ytd only) | -68.2584% | 7,268 |
| Net charge-offs to loans | 5.9559% | 50 |
| Credit loss provision to net charge-offs | 92.8977% | 3,882 |
| Earnings coverage of net charge-offs (x) | 0.0833% | 5,767 |
| Efficiency ratio | 89.1239% | 1,258 |
| Assets per employee ($millions) | 3.6790% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8168% | 432 |
| Loan loss allowance to noncurrent loans | 76.8123% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 11.3866% | 247 |
| Noncurrent loans to loans | 4.9690% | 1,138 |
| Net loans and leases to total assets | 69.3793% | 2,148 |
| Net loans and leases to deposits | 74.2097% | 3,462 |
| Net loans and leases to core deposits | 79.6223% | 3,496 |
| Total domestic deposits to total assets | 93.4908% | 112 |
| Equity capital to assets | 4.5052% | 7,196 |
| Core capital (leverage) ratio | 4.3250% | 7,188 |
| Tier 1 risk-based capital ratio | 6.1866% | 7,196 |
| Total risk-based capital ratio | 7.4676% | 7,194 |
| Memoranda: | ||
| Average total assets | $247,153,400 | 2,551 |
| Average earning assets | $227,754,400 | 2,530 |
| Average equity | $13,536,800 | 4,233 |
| Average total loans | $183,447,000 | 2,193 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 4,411 |
| Cost of funding earning assets | 1.5519% | 715 |
| Net interest margin | 3.1579% | 6,263 |
| Noninterest income to average assets | 0.7261% | 2,443 |
| Noninterest expense to average assets | 3.2888% | 2,533 |
| Loan and lease loss provision to assets | 5.1410% | 26 |
| Net operating income to assets | -4.7688% | 7,368 |
| Return on assets (ROA) | -4.7688% | 7,373 |
| Pretax return on assets | -4.7688% | 7,373 |
| Return on Equity (ROE) | -83.8962% | 7,363 |
| Retained earnings to average equity (ytd only) | -83.8962% | 7,363 |
| Net charge-offs to loans | 6.6333% | 46 |
| Credit loss provision to net charge-offs | 103.7945% | 3,209 |
| Earnings coverage of net charge-offs (x) | 0.0752% | 5,549 |
| Efficiency ratio | 89.8327% | 1,175 |
| Assets per employee ($millions) | 3.7935% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0719% | 369 |
| Loan loss allowance to noncurrent loans | 48.8863% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 11.4111% | 256 |
| Noncurrent loans to loans | 8.3292% | 514 |
| Net loans and leases to total assets | 72.3953% | 1,628 |
| Net loans and leases to deposits | 77.1580% | 3,143 |
| Net loans and leases to core deposits | 85.2481% | 2,879 |
| Total domestic deposits to total assets | 93.8273% | 92 |
| Equity capital to assets | 4.2851% | 7,298 |
| Core capital (leverage) ratio | 4.1730% | 7,289 |
| Tier 1 risk-based capital ratio | 5.8826% | 7,301 |
| Total risk-based capital ratio | 7.1695% | 7,301 |
| Memoranda: | ||
| Average total assets | $254,676,250 | 2,486 |
| Average earning assets | $236,694,500 | 2,440 |
| Average equity | $14,476,250 | 4,039 |
| Average total loans | $190,165,750 | 2,151 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 4,748 |
| Cost of funding earning assets | 1.5769% | 766 |
| Net interest margin | 3.0755% | 6,456 |
| Noninterest income to average assets | 0.6859% | 2,626 |
| Noninterest expense to average assets | 3.3891% | 2,292 |
| Loan and lease loss provision to assets | 7.1066% | 12 |
| Net operating income to assets | -6.9366% | 7,482 |
| Return on assets (ROA) | -6.9366% | 7,484 |
| Pretax return on assets | -6.9366% | 7,481 |
| Return on Equity (ROE) | -113.8011% | 7,449 |
| Retained earnings to average equity (ytd only) | -113.8011% | 7,449 |
| Net charge-offs to loans | 8.3198% | 35 |
| Credit loss provision to net charge-offs | 114.7551% | 2,670 |
| Earnings coverage of net charge-offs (x) | 0.0274% | 5,266 |
| Efficiency ratio | 95.2248% | 913 |
| Assets per employee ($millions) | 3.9334% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3299% | 327 |
| Loan loss allowance to noncurrent loans | 51.9809% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 10.3182% | 367 |
| Noncurrent loans to loans | 8.3297% | 525 |
| Net loans and leases to total assets | 72.0384% | 1,776 |
| Net loans and leases to deposits | 76.5520% | 3,365 |
| Net loans and leases to core deposits | 84.9344% | 3,083 |
| Total domestic deposits to total assets | 94.1038% | 76 |
| Equity capital to assets | 4.0723% | 7,383 |
| Core capital (leverage) ratio | 3.7520% | 7,392 |
| Tier 1 risk-based capital ratio | 5.6572% | 7,373 |
| Total risk-based capital ratio | 6.9476% | 7,375 |
| Memoranda: | ||
| Average total assets | $262,433,000 | 2,437 |
| Average earning assets | $245,162,000 | 2,371 |
| Average equity | $15,996,330 | 3,736 |
| Average total loans | $195,341,670 | 2,125 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 5,492 |
| Cost of funding earning assets | 1.5783% | 884 |
| Net interest margin | 2.8791% | 6,792 |
| Noninterest income to average assets | 0.6683% | 2,738 |
| Noninterest expense to average assets | 2.6381% | 5,087 |
| Loan and lease loss provision to assets | 0.7287% | 1,160 |
| Net operating income to assets | 0.0059% | 6,337 |
| Return on assets (ROA) | 0.0059% | 6,371 |
| Pretax return on assets | 0.0059% | 6,345 |
| Return on Equity (ROE) | 0.0841% | 6,364 |
| Retained earnings to average equity (ytd only) | 0.0841% | 5,758 |
| Net charge-offs to loans | 1.0358% | 1,319 |
| Credit loss provision to net charge-offs | 95.0096% | 2,848 |
| Earnings coverage of net charge-offs (x) | 0.9578% | 3,934 |
| Efficiency ratio | 78.2191% | 2,812 |
| Assets per employee ($millions) | 4.1661% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4356% | 642 |
| Loan loss allowance to noncurrent loans | 27.5025% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 11.9632% | 276 |
| Noncurrent loans to loans | 12.4918% | 256 |
| Net loans and leases to total assets | 69.8122% | 2,167 |
| Net loans and leases to deposits | 76.4691% | 3,343 |
| Net loans and leases to core deposits | 86.4505% | 2,813 |
| Total domestic deposits to total assets | 91.2946% | 491 |
| Equity capital to assets | 7.0289% | 7,074 |
| Core capital (leverage) ratio | 6.9786% | 7,020 |
| Tier 1 risk-based capital ratio | 10.1555% | 6,945 |
| Total risk-based capital ratio | 11.4343% | 6,936 |
| Memoranda: | ||
| Average total assets | $271,714,500 | 2,373 |
| Average earning assets | $255,217,000 | 2,313 |
| Average equity | $19,029,000 | 3,250 |
| Average total loans | $201,197,000 | 2,097 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 5,298 |
| Cost of funding earning assets | 2.0487% | 507 |
| Net interest margin | 2.7847% | 7,048 |
| Noninterest income to average assets | 0.7061% | 2,809 |
| Noninterest expense to average assets | 3.1241% | 3,367 |
| Loan and lease loss provision to assets | 2.0117% | 654 |
| Net operating income to assets | -2.0962% | 7,082 |
| Return on assets (ROA) | -2.0962% | 7,091 |
| Pretax return on assets | -1.8124% | 6,966 |
| Return on Equity (ROE) | -28.1741% | 7,192 |
| Retained earnings to average equity (ytd only) | -28.1741% | 7,180 |
| Net charge-offs to loans | 1.1702% | 1,905 |
| Credit loss provision to net charge-offs | 218.0504% | 1,382 |
| Earnings coverage of net charge-offs (x) | 0.2161% | 5,888 |
| Efficiency ratio | 94.0014% | 1,059 |
| Assets per employee ($millions) | 3.8947% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2679% | 692 |
| Loan loss allowance to noncurrent loans | 25.9323% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 11.4807% | 313 |
| Noncurrent loans to loans | 12.6015% | 252 |
| Net loans and leases to total assets | 73.3101% | 1,807 |
| Net loans and leases to deposits | 80.3123% | 3,112 |
| Net loans and leases to core deposits | 92.3079% | 2,466 |
| Total domestic deposits to total assets | 91.2813% | 472 |
| Equity capital to assets | 6.9779% | 7,120 |
| Core capital (leverage) ratio | 6.9168% | 7,062 |
| Tier 1 risk-based capital ratio | 9.8263% | 7,045 |
| Total risk-based capital ratio | 11.1038% | 7,032 |
| Memoranda: | ||
| Average total assets | $292,435,000 | 2,199 |
| Average earning assets | $274,856,200 | 2,150 |
| Average equity | $21,757,600 | 2,907 |
| Average total loans | $230,550,800 | 1,892 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 5,419 |
| Cost of funding earning assets | 2.1467% | 455 |
| Net interest margin | 2.7182% | 7,214 |
| Noninterest income to average assets | 0.6931% | 2,856 |
| Noninterest expense to average assets | 2.9945% | 3,768 |
| Loan and lease loss provision to assets | 2.0875% | 556 |
| Net operating income to assets | -1.7234% | 7,167 |
| Return on assets (ROA) | -1.7234% | 7,180 |
| Pretax return on assets | -1.8364% | 7,149 |
| Return on Equity (ROE) | -22.8386% | 7,276 |
| Retained earnings to average equity (ytd only) | -22.8386% | 7,264 |
| Net charge-offs to loans | 1.1381% | 1,793 |
| Credit loss provision to net charge-offs | 230.6092% | 1,486 |
| Earnings coverage of net charge-offs (x) | 0.2774% | 5,749 |
| Efficiency ratio | 92.2641% | 1,109 |
| Assets per employee ($millions) | 3.7817% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8229% | 987 |
| Loan loss allowance to noncurrent loans | 22.7369% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 11.7157% | 289 |
| Noncurrent loans to loans | 12.4155% | 262 |
| Net loans and leases to total assets | 77.3619% | 1,151 |
| Net loans and leases to deposits | 85.3935% | 2,454 |
| Net loans and leases to core deposits | 99.8658% | 1,861 |
| Total domestic deposits to total assets | 90.5946% | 599 |
| Equity capital to assets | 7.7184% | 6,986 |
| Core capital (leverage) ratio | 7.2189% | 7,047 |
| Tier 1 risk-based capital ratio | 10.0480% | 7,039 |
| Total risk-based capital ratio | 11.3197% | 7,007 |
| Memoranda: | ||
| Average total assets | $297,386,000 | 2,204 |
| Average earning assets | $279,243,500 | 2,148 |
| Average equity | $22,441,000 | 2,869 |
| Average total loans | $236,534,000 | 1,873 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 5,771 |
| Cost of funding earning assets | 2.2136% | 443 |
| Net interest margin | 2.5939% | 7,354 |
| Noninterest income to average assets | 0.7028% | 2,688 |
| Noninterest expense to average assets | 3.0772% | 3,405 |
| Loan and lease loss provision to assets | 2.4894% | 460 |
| Net operating income to assets | -2.2496% | 7,365 |
| Return on assets (ROA) | -2.2496% | 7,374 |
| Pretax return on assets | -2.4270% | 7,347 |
| Return on Equity (ROE) | -30.0193% | 7,434 |
| Retained earnings to average equity (ytd only) | -30.0193% | 7,418 |
| Net charge-offs to loans | 0.4560% | 3,169 |
| Credit loss provision to net charge-offs | 686.5942% | 543 |
| Earnings coverage of net charge-offs (x) | 0.1721% | 5,546 |
| Efficiency ratio | 98.0126% | 880 |
| Assets per employee ($millions) | 3.9964% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8989% | 918 |
| Loan loss allowance to noncurrent loans | 26.7324% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 10.3646% | 374 |
| Noncurrent loans to loans | 10.8442% | 374 |
| Net loans and leases to total assets | 78.1318% | 1,093 |
| Net loans and leases to deposits | 86.6938% | 2,396 |
| Net loans and leases to core deposits | 104.5156% | 1,584 |
| Total domestic deposits to total assets | 90.1239% | 857 |
| Equity capital to assets | 7.2138% | 7,267 |
| Core capital (leverage) ratio | 7.0131% | 7,187 |
| Tier 1 risk-based capital ratio | 9.6088% | 7,221 |
| Total risk-based capital ratio | 10.8817% | 7,210 |
| Memoranda: | ||
| Average total assets | $304,492,670 | 2,174 |
| Average earning assets | $286,052,000 | 2,113 |
| Average equity | $22,818,670 | 2,818 |
| Average total loans | $242,120,670 | 1,856 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 5,748 |
| Cost of funding earning assets | 2.2887% | 448 |
| Net interest margin | 2.5463% | 7,434 |
| Noninterest income to average assets | 0.6678% | 2,829 |
| Noninterest expense to average assets | 2.4821% | 5,796 |
| Loan and lease loss provision to assets | 0.6665% | 1,903 |
| Net operating income to assets | -0.0399% | 6,362 |
| Return on assets (ROA) | -0.0399% | 6,446 |
| Pretax return on assets | -0.0901% | 6,455 |
| Return on Equity (ROE) | -0.5231% | 6,472 |
| Retained earnings to average equity (ytd only) | -0.5231% | 5,955 |
| Net charge-offs to loans | 0.3743% | 2,925 |
| Credit loss provision to net charge-offs | 225.2174% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1.9478% | 3,565 |
| Efficiency ratio | 81.1527% | 2,393 |
| Assets per employee ($millions) | 4.1021% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 3,446 |
| Loan loss allowance to noncurrent loans | 18.4928% | 7,085 |
| Noncurrent assets plus other real estate owned to assets | 8.7268% | 525 |
| Noncurrent loans to loans | 8.6515% | 584 |
| Net loans and leases to total assets | 78.1061% | 1,134 |
| Net loans and leases to deposits | 87.1722% | 2,380 |
| Net loans and leases to core deposits | 105.6304% | 1,607 |
| Total domestic deposits to total assets | 89.5997% | 1,181 |
| Equity capital to assets | 7.8047% | 6,846 |
| Core capital (leverage) ratio | 7.6275% | 6,703 |
| Tier 1 risk-based capital ratio | 10.3457% | 6,764 |
| Total risk-based capital ratio | 11.6009% | 6,761 |
| Memoranda: | ||
| Average total assets | $310,872,000 | 2,191 |
| Average earning assets | $291,870,500 | 2,132 |
| Average equity | $23,705,500 | 2,750 |
| Average total loans | $245,810,000 | 1,887 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2775% | 5,294 |
| Cost of funding earning assets | 2.8565% | 368 |
| Net interest margin | 2.4210% | 7,492 |
| Noninterest income to average assets | 0.7374% | 2,752 |
| Noninterest expense to average assets | 2.5467% | 5,965 |
| Loan and lease loss provision to assets | 0.9706% | 2,326 |
| Net operating income to assets | -0.3098% | 5,983 |
| Return on assets (ROA) | -0.3098% | 5,980 |
| Pretax return on assets | -0.5125% | 6,022 |
| Return on Equity (ROE) | -4.1224% | 6,123 |
| Retained earnings to average equity (ytd only) | -4.5481% | 5,959 |
| Net charge-offs to loans | 1.1101% | 2,204 |
| Credit loss provision to net charge-offs | 108.3448% | 5,110 |
| Earnings coverage of net charge-offs (x) | 0.5113% | 5,603 |
| Efficiency ratio | 84.7548% | 2,266 |
| Assets per employee ($millions) | 4.2425% | 3,356 |
| Cash dividends to net income (ytd only)* | -10.3277% | 7,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,109 |
| Loan loss allowance to noncurrent loans | 19.8841% | 7,069 |
| Noncurrent assets plus other real estate owned to assets | 7.6160% | 624 |
| Noncurrent loans to loans | 7.1565% | 766 |
| Net loans and leases to total assets | 77.6592% | 1,455 |
| Net loans and leases to deposits | 86.8331% | 2,770 |
| Net loans and leases to core deposits | 123.2653% | 1,696 |
| Total domestic deposits to total assets | 89.4351% | 1,249 |
| Equity capital to assets | 7.4545% | 7,065 |
| Core capital (leverage) ratio | 7.2798% | 7,003 |
| Tier 1 risk-based capital ratio | 9.8721% | 6,969 |
| Total risk-based capital ratio | 11.1248% | 6,947 |
| Memoranda: | ||
| Average total assets | $325,043,200 | 2,080 |
| Average earning assets | $304,424,800 | 2,041 |
| Average equity | $24,427,600 | 2,668 |
| Average total loans | $262,328,000 | 1,816 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5189% | 4,325 |
| Cost of funding earning assets | 2.9147% | 434 |
| Net interest margin | 2.6042% | 7,352 |
| Noninterest income to average assets | 0.7394% | 2,766 |
| Noninterest expense to average assets | 2.5735% | 5,813 |
| Loan and lease loss provision to assets | 0.4733% | 3,541 |
| Net operating income to assets | 0.0853% | 5,512 |
| Return on assets (ROA) | 0.0853% | 5,561 |
| Pretax return on assets | 0.1298% | 5,461 |
| Return on Equity (ROE) | 1.1325% | 5,449 |
| Retained earnings to average equity (ytd only) | 0.5690% | 4,967 |
| Net charge-offs to loans | 0.2483% | 4,497 |
| Credit loss provision to net charge-offs | 234.8178% | 1,859 |
| Earnings coverage of net charge-offs (x) | 2.9919% | 3,737 |
| Efficiency ratio | 81.0148% | 2,708 |
| Assets per employee ($millions) | 4.3717% | 3,083 |
| Cash dividends to net income (ytd only)* | 49.7596% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,257 |
| Loan loss allowance to noncurrent loans | 119.8918% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 2.9218% | 2,374 |
| Noncurrent loans to loans | 1.2803% | 4,801 |
| Net loans and leases to total assets | 78.0624% | 1,557 |
| Net loans and leases to deposits | 88.9252% | 2,799 |
| Net loans and leases to core deposits | 124.8655% | 1,830 |
| Total domestic deposits to total assets | 87.7844% | 1,757 |
| Equity capital to assets | 7.6090% | 7,216 |
| Core capital (leverage) ratio | 7.6044% | 6,855 |
| Tier 1 risk-based capital ratio | 10.0530% | 6,925 |
| Total risk-based capital ratio | 11.3067% | 6,871 |
| Memoranda: | ||
| Average total assets | $326,757,750 | 2,090 |
| Average earning assets | $305,800,750 | 2,056 |
| Average equity | $24,604,750 | 2,676 |
| Average total loans | $265,243,250 | 1,819 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 4,553 |
| Cost of funding earning assets | 2.9622% | 516 |
| Net interest margin | 2.5508% | 7,413 |
| Noninterest income to average assets | 0.7225% | 2,851 |
| Noninterest expense to average assets | 2.6723% | 5,487 |
| Loan and lease loss provision to assets | 0.5080% | 2,997 |
| Net operating income to assets | -0.0288% | 5,895 |
| Return on assets (ROA) | -0.0288% | 5,960 |
| Pretax return on assets | -0.0754% | 5,970 |
| Return on Equity (ROE) | -0.3838% | 5,979 |
| Retained earnings to average equity (ytd only) | -1.2331% | 5,547 |
| Net charge-offs to loans | 0.3393% | 3,476 |
| Credit loss provision to net charge-offs | 183.0022% | 2,509 |
| Earnings coverage of net charge-offs (x) | 1.5585% | 4,368 |
| Efficiency ratio | 86.0667% | 2,222 |
| Assets per employee ($millions) | 4.1510% | 3,392 |
| Cash dividends to net income (ytd only)* | -221.2766% | 8,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 3,788 |
| Loan loss allowance to noncurrent loans | 58.5350% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 3.6782% | 1,676 |
| Noncurrent loans to loans | 2.3717% | 3,049 |
| Net loans and leases to total assets | 80.1428% | 1,290 |
| Net loans and leases to deposits | 91.1624% | 2,620 |
| Net loans and leases to core deposits | 123.5279% | 2,065 |
| Total domestic deposits to total assets | 87.9121% | 1,813 |
| Equity capital to assets | 7.4314% | 7,323 |
| Core capital (leverage) ratio | 7.5247% | 6,983 |
| Tier 1 risk-based capital ratio | 9.3928% | 7,481 |
| Total risk-based capital ratio | 10.6451% | 7,446 |
| Memoranda: | ||
| Average total assets | $326,385,000 | 2,117 |
| Average earning assets | $304,840,330 | 2,085 |
| Average equity | $24,490,330 | 2,689 |
| Average total loans | $267,011,670 | 1,847 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4838% | 4,990 |
| Cost of funding earning assets | 3.0446% | 538 |
| Net interest margin | 2.4391% | 7,574 |
| Noninterest income to average assets | 0.7039% | 2,867 |
| Noninterest expense to average assets | 2.3943% | 6,208 |
| Loan and lease loss provision to assets | 0.3771% | 3,059 |
| Net operating income to assets | 0.1425% | 5,848 |
| Return on assets (ROA) | 0.1425% | 6,017 |
| Pretax return on assets | 0.1990% | 5,938 |
| Return on Equity (ROE) | 1.8900% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.0427% | 5,229 |
| Net charge-offs to loans | -0.0254% | 7,508 |
| Credit loss provision to net charge-offs | -1,805.8824% | 6,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6038% | 2,724 |
| Assets per employee ($millions) | 4.2388% | 3,193 |
| Cash dividends to net income (ytd only)* | 44.8276% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 3,790 |
| Loan loss allowance to noncurrent loans | 103.8724% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 3.0188% | 1,870 |
| Noncurrent loans to loans | 1.3015% | 4,373 |
| Net loans and leases to total assets | 81.5551% | 1,089 |
| Net loans and leases to deposits | 93.5102% | 2,361 |
| Net loans and leases to core deposits | 125.8866% | 1,922 |
| Total domestic deposits to total assets | 87.2152% | 2,115 |
| Equity capital to assets | 7.5303% | 7,326 |
| Core capital (leverage) ratio | 7.5363% | 7,112 |
| Tier 1 risk-based capital ratio | 9.1629% | 7,699 |
| Total risk-based capital ratio | 10.4144% | 7,697 |
| Memoranda: | ||
| Average total assets | $325,612,000 | 2,132 |
| Average earning assets | $302,566,500 | 2,110 |
| Average equity | $24,550,500 | 2,704 |
| Average total loans | $267,261,000 | 1,859 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3636% | 3,616 |
| Cost of funding earning assets | 3.4296% | 652 |
| Net interest margin | 2.9339% | 7,070 |
| Noninterest income to average assets | 0.8782% | 2,063 |
| Noninterest expense to average assets | 2.3257% | 6,626 |
| Loan and lease loss provision to assets | 0.6014% | 2,421 |
| Net operating income to assets | 0.4599% | 4,907 |
| Return on assets (ROA) | 0.4616% | 4,719 |
| Pretax return on assets | 0.7030% | 4,392 |
| Return on Equity (ROE) | 5.8992% | 3,984 |
| Retained earnings to average equity (ytd only) | 1.9786% | 4,001 |
| Net charge-offs to loans | 0.7313% | 1,688 |
| Credit loss provision to net charge-offs | 97.0134% | 5,481 |
| Earnings coverage of net charge-offs (x) | 2.0999% | 5,021 |
| Efficiency ratio | 64.1116% | 5,534 |
| Assets per employee ($millions) | 4.2742% | 2,999 |
| Cash dividends to net income (ytd only)* | 66.4592% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,078 |
| Loan loss allowance to noncurrent loans | 106.7780% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 2.7734% | 1,701 |
| Noncurrent loans to loans | 1.1761% | 4,167 |
| Net loans and leases to total assets | 80.4603% | 1,560 |
| Net loans and leases to deposits | 91.7675% | 3,180 |
| Net loans and leases to core deposits | 122.6267% | 2,435 |
| Total domestic deposits to total assets | 87.6784% | 1,619 |
| Equity capital to assets | 7.5493% | 7,342 |
| Core capital (leverage) ratio | 7.4493% | 7,262 |
| Tier 1 risk-based capital ratio | 9.1903% | 7,626 |
| Total risk-based capital ratio | 10.4369% | 7,588 |
| Memoranda: | ||
| Average total assets | $313,243,800 | 2,135 |
| Average earning assets | $293,530,200 | 2,086 |
| Average equity | $24,512,000 | 2,689 |
| Average total loans | $265,544,000 | 1,799 |