Home > First Bank and Trust > Performance and Condition Ratios
First Bank and Trust, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 933 |
| Cost of funding earning assets | 0.4528% | 1,181 |
| Net interest margin | 3.7853% | 1,041 |
| Noninterest income to average assets | 1.2619% | 667 |
| Noninterest expense to average assets | 2.9348% | 1,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.9749% | 353 |
| Return on assets (ROA) | 2.0517% | 326 |
| Pretax return on assets | 2.0517% | 555 |
| Return on Equity (ROE) | 22.4400% | 203 |
| Retained earnings to average equity (ytd only) | 12.0172% | 533 |
| Net charge-offs to loans | 0.0572% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 40.9630% | 1,425 |
| Efficiency ratio | 59.7752% | 3,186 |
| Assets per employee ($millions) | 6.2642% | 2,515 |
| Cash dividends to net income (ytd only)* | 46.4476% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 3,110 |
| Loan loss allowance to noncurrent loans | 390.2091% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 1,412 |
| Noncurrent loans to loans | 0.2957% | 2,532 |
| Net loans and leases to total assets | 79.2079% | 307 |
| Net loans and leases to deposits | 87.5942% | 673 |
| Net loans and leases to core deposits | 92.9466% | 829 |
| Total domestic deposits to total assets | 90.4259% | 750 |
| Equity capital to assets | 9.3068% | 3,317 |
| Core capital (leverage) ratio | 9.3224% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7499% | 1,947 |
| Memoranda: | ||
| Average total assets | $1,234,122,000 | 808 |
| Average earning assets | $1,189,283,400 | 779 |
| Average equity | $112,838,600 | 919 |
| Average total loans | $1,039,589,000 | 633 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 953 |
| Cost of funding earning assets | 0.4695% | 1,214 |
| Net interest margin | 3.8297% | 1,058 |
| Noninterest income to average assets | 1.3920% | 615 |
| Noninterest expense to average assets | 3.0289% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0510% | 424 |
| Return on assets (ROA) | 2.1542% | 367 |
| Pretax return on assets | 2.1542% | 603 |
| Return on Equity (ROE) | 23.6704% | 224 |
| Retained earnings to average equity (ytd only) | 12.7359% | 678 |
| Net charge-offs to loans | 0.0847% | 835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 28.3735% | 1,550 |
| Efficiency ratio | 59.6254% | 3,041 |
| Assets per employee ($millions) | 5.8791% | 2,806 |
| Cash dividends to net income (ytd only)* | 46.1947% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,239 |
| Loan loss allowance to noncurrent loans | 422.1018% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 1,844 |
| Noncurrent loans to loans | 0.2708% | 2,835 |
| Net loans and leases to total assets | 81.4748% | 221 |
| Net loans and leases to deposits | 90.2779% | 592 |
| Net loans and leases to core deposits | 96.5607% | 722 |
| Total domestic deposits to total assets | 90.2489% | 658 |
| Equity capital to assets | 9.3325% | 3,525 |
| Core capital (leverage) ratio | 9.1979% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6792% | 2,094 |
| Memoranda: | ||
| Average total assets | $1,224,746,750 | 823 |
| Average earning assets | $1,179,379,750 | 794 |
| Average equity | $111,461,500 | 938 |
| Average total loans | $1,044,740,500 | 644 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 632 |
| Cost of funding earning assets | 0.4694% | 1,388 |
| Net interest margin | 4.1262% | 661 |
| Noninterest income to average assets | 1.3576% | 644 |
| Noninterest expense to average assets | 3.3533% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9743% | 507 |
| Return on assets (ROA) | 1.9793% | 531 |
| Pretax return on assets | 1.9793% | 869 |
| Return on Equity (ROE) | 21.9385% | 322 |
| Retained earnings to average equity (ytd only) | 11.1574% | 1,090 |
| Net charge-offs to loans | -0.0057% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9429% | 2,586 |
| Assets per employee ($millions) | 6.1119% | 2,512 |
| Cash dividends to net income (ytd only)* | 49.1424% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,162 |
| Loan loss allowance to noncurrent loans | 490.9596% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 1,731 |
| Noncurrent loans to loans | 0.2354% | 3,106 |
| Net loans and leases to total assets | 82.8945% | 178 |
| Net loans and leases to deposits | 91.3441% | 575 |
| Net loans and leases to core deposits | 97.5077% | 740 |
| Total domestic deposits to total assets | 90.7497% | 462 |
| Equity capital to assets | 8.7985% | 3,975 |
| Core capital (leverage) ratio | 8.9235% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5203% | 2,538 |
| Memoranda: | ||
| Average total assets | $1,219,499,667 | 821 |
| Average earning assets | $1,173,331,000 | 793 |
| Average equity | $110,025,667 | 944 |
| Average total loans | $1,052,196,333 | 640 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6794% | 587 |
| Cost of funding earning assets | 0.5058% | 1,357 |
| Net interest margin | 4.1736% | 632 |
| Noninterest income to average assets | 1.4857% | 610 |
| Noninterest expense to average assets | 3.5197% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9806% | 585 |
| Return on assets (ROA) | 1.9910% | 619 |
| Pretax return on assets | 1.9910% | 960 |
| Return on Equity (ROE) | 21.7782% | 412 |
| Retained earnings to average equity (ytd only) | 17.5335% | 388 |
| Net charge-offs to loans | -0.0073% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9912% | 2,465 |
| Assets per employee ($millions) | 5.8666% | 2,731 |
| Cash dividends to net income (ytd only)* | 19.4904% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 3,096 |
| Loan loss allowance to noncurrent loans | 166.6128% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.0740% | 755 |
| Noncurrent loans to loans | 0.7023% | 1,832 |
| Net loans and leases to total assets | 86.4562% | 80 |
| Net loans and leases to deposits | 96.6131% | 390 |
| Net loans and leases to core deposits | 103.1001% | 598 |
| Total domestic deposits to total assets | 89.4870% | 1,069 |
| Equity capital to assets | 9.1899% | 3,500 |
| Core capital (leverage) ratio | 9.2726% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4483% | 2,514 |
| Memoranda: | ||
| Average total assets | $1,190,552,000 | 832 |
| Average earning assets | $1,145,194,500 | 801 |
| Average equity | $108,843,000 | 941 |
| Average total loans | $1,042,658,500 | 648 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 204 |
| Cost of funding earning assets | 0.9374% | 749 |
| Net interest margin | 4.5145% | 321 |
| Noninterest income to average assets | 1.2399% | 728 |
| Noninterest expense to average assets | 3.4847% | 703 |
| Loan and lease loss provision to assets | 0.4191% | 715 |
| Net operating income to assets | 1.6636% | 550 |
| Return on assets (ROA) | 1.6626% | 596 |
| Pretax return on assets | 1.6626% | 926 |
| Return on Equity (ROE) | 18.0591% | 328 |
| Retained earnings to average equity (ytd only) | 6.5160% | 1,587 |
| Net charge-offs to loans | 0.0004% | 3,428 |
| Credit loss provision to net charge-offs | 115,125.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 5,720.7500% | 14 |
| Efficiency ratio | 62.5911% | 3,037 |
| Assets per employee ($millions) | 5.7763% | 2,560 |
| Cash dividends to net income (ytd only)* | 63.9185% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 2,937 |
| Loan loss allowance to noncurrent loans | 103.3208% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.6335% | 417 |
| Noncurrent loans to loans | 1.1628% | 1,222 |
| Net loans and leases to total assets | 86.6252% | 81 |
| Net loans and leases to deposits | 95.7499% | 562 |
| Net loans and leases to core deposits | 109.0049% | 545 |
| Total domestic deposits to total assets | 90.4703% | 389 |
| Equity capital to assets | 9.0931% | 3,977 |
| Core capital (leverage) ratio | 8.8302% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8080% | 2,699 |
| Memoranda: | ||
| Average total assets | $1,098,729,800 | 810 |
| Average earning assets | $1,053,205,000 | 785 |
| Average equity | $101,151,000 | 954 |
| Average total loans | $986,825,400 | 654 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1369% | 467 |
| Cost of funding earning assets | 1.0226% | 708 |
| Net interest margin | 4.1143% | 873 |
| Noninterest income to average assets | 1.6660% | 426 |
| Noninterest expense to average assets | 3.5031% | 704 |
| Loan and lease loss provision to assets | 0.5406% | 512 |
| Net operating income to assets | 1.5593% | 795 |
| Return on assets (ROA) | 1.5580% | 875 |
| Pretax return on assets | 1.5580% | 1,307 |
| Return on Equity (ROE) | 16.8669% | 460 |
| Retained earnings to average equity (ytd only) | 2.6283% | 3,678 |
| Net charge-offs to loans | -0.0053% | 4,064 |
| Credit loss provision to net charge-offs | -11,230.7692% | 4,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5218% | 2,989 |
| Assets per employee ($millions) | 5.7708% | 2,480 |
| Cash dividends to net income (ytd only)* | 84.4173% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,947 |
| Loan loss allowance to noncurrent loans | 62.0159% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.0692% | 305 |
| Noncurrent loans to loans | 1.8515% | 699 |
| Net loans and leases to total assets | 89.4362% | 51 |
| Net loans and leases to deposits | 98.9062% | 580 |
| Net loans and leases to core deposits | 110.8232% | 668 |
| Total domestic deposits to total assets | 90.4253% | 300 |
| Equity capital to assets | 8.6380% | 4,378 |
| Core capital (leverage) ratio | 8.5877% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4555% | 2,804 |
| Memoranda: | ||
| Average total assets | $1,080,267,000 | 806 |
| Average earning assets | $1,033,727,750 | 780 |
| Average equity | $99,782,750 | 957 |
| Average total loans | $976,506,000 | 645 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 516 |
| Cost of funding earning assets | 1.0988% | 716 |
| Net interest margin | 4.1539% | 1,012 |
| Noninterest income to average assets | 1.8040% | 339 |
| Noninterest expense to average assets | 3.5504% | 699 |
| Loan and lease loss provision to assets | 0.7915% | 313 |
| Net operating income to assets | 1.4288% | 1,055 |
| Return on assets (ROA) | 1.4379% | 1,127 |
| Pretax return on assets | 1.4379% | 1,616 |
| Return on Equity (ROE) | 15.2004% | 684 |
| Retained earnings to average equity (ytd only) | 5.0285% | 2,462 |
| Net charge-offs to loans | -0.0091% | 4,179 |
| Credit loss provision to net charge-offs | -9,662.7907% | 4,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5245% | 3,198 |
| Assets per employee ($millions) | 6.0014% | 2,185 |
| Cash dividends to net income (ytd only)* | 66.9184% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 2,834 |
| Loan loss allowance to noncurrent loans | 104.4584% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3772% | 720 |
| Noncurrent loans to loans | 1.0898% | 1,438 |
| Net loans and leases to total assets | 89.1249% | 43 |
| Net loans and leases to deposits | 101.4199% | 469 |
| Net loans and leases to core deposits | 110.9759% | 700 |
| Total domestic deposits to total assets | 87.8771% | 1,242 |
| Equity capital to assets | 8.6927% | 4,359 |
| Core capital (leverage) ratio | 9.0306% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5362% | 2,801 |
| Memoranda: | ||
| Average total assets | $1,049,867,000 | 811 |
| Average earning assets | $1,002,531,000 | 785 |
| Average equity | $99,313,333 | 951 |
| Average total loans | $948,712,667 | 656 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6681% | 263 |
| Cost of funding earning assets | 1.2175% | 726 |
| Net interest margin | 4.4506% | 562 |
| Noninterest income to average assets | 0.8253% | 1,241 |
| Noninterest expense to average assets | 3.5005% | 937 |
| Loan and lease loss provision to assets | 0.0907% | 2,551 |
| Net operating income to assets | 1.4748% | 828 |
| Return on assets (ROA) | 1.4748% | 905 |
| Pretax return on assets | 1.4748% | 1,372 |
| Return on Equity (ROE) | 14.8831% | 560 |
| Retained earnings to average equity (ytd only) | 0.1586% | 3,954 |
| Net charge-offs to loans | -0.0151% | 4,219 |
| Credit loss provision to net charge-offs | -661.7647% | 3,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0980% | 2,499 |
| Assets per employee ($millions) | 5.1949% | 2,435 |
| Cash dividends to net income (ytd only)* | 98.9344% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 4,144 |
| Loan loss allowance to noncurrent loans | 65.2971% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.7250% | 558 |
| Noncurrent loans to loans | 1.3633% | 1,178 |
| Net loans and leases to total assets | 88.4902% | 59 |
| Net loans and leases to deposits | 101.2156% | 482 |
| Net loans and leases to core deposits | 113.0589% | 709 |
| Total domestic deposits to total assets | 87.4274% | 1,367 |
| Equity capital to assets | 9.6726% | 4,065 |
| Core capital (leverage) ratio | 10.0568% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0728% | 3,078 |
| Memoranda: | ||
| Average total assets | $992,664,500 | 824 |
| Average earning assets | $945,857,500 | 798 |
| Average equity | $98,366,500 | 956 |
| Average total loans | $898,266,500 | 672 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7715% | 343 |
| Cost of funding earning assets | 1.2266% | 954 |
| Net interest margin | 4.5448% | 662 |
| Noninterest income to average assets | 1.0837% | 809 |
| Noninterest expense to average assets | 3.4398% | 1,046 |
| Loan and lease loss provision to assets | 0.0026% | 3,947 |
| Net operating income to assets | 1.9817% | 370 |
| Return on assets (ROA) | 1.9823% | 380 |
| Pretax return on assets | 1.9823% | 620 |
| Return on Equity (ROE) | 19.8896% | 219 |
| Retained earnings to average equity (ytd only) | 6.1888% | 1,772 |
| Net charge-offs to loans | -0.0408% | 4,785 |
| Credit loss provision to net charge-offs | -7.1633% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4171% | 3,159 |
| Assets per employee ($millions) | 5.2273% | 2,319 |
| Cash dividends to net income (ytd only)* | 68.8843% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 4,109 |
| Loan loss allowance to noncurrent loans | 71.2212% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.5458% | 646 |
| Noncurrent loans to loans | 1.2137% | 1,237 |
| Net loans and leases to total assets | 90.9404% | 31 |
| Net loans and leases to deposits | 105.3730% | 323 |
| Net loans and leases to core deposits | 116.6516% | 576 |
| Total domestic deposits to total assets | 86.3033% | 1,932 |
| Equity capital to assets | 10.1534% | 3,785 |
| Core capital (leverage) ratio | 10.0302% | 3,485 |
| Tier 1 risk-based capital ratio | 11.4792% | 4,641 |
| Total risk-based capital ratio | 12.3822% | 4,696 |
| Memoranda: | ||
| Average total assets | $962,209,200 | 814 |
| Average earning assets | $918,936,600 | 782 |
| Average equity | $95,899,200 | 931 |
| Average total loans | $856,381,600 | 672 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7440% | 389 |
| Cost of funding earning assets | 1.2076% | 1,020 |
| Net interest margin | 4.5364% | 708 |
| Noninterest income to average assets | 1.1380% | 706 |
| Noninterest expense to average assets | 3.4282% | 1,044 |
| Loan and lease loss provision to assets | 0.0035% | 3,797 |
| Net operating income to assets | 2.0407% | 371 |
| Return on assets (ROA) | 2.0416% | 383 |
| Pretax return on assets | 2.0416% | 628 |
| Return on Equity (ROE) | 20.5827% | 221 |
| Retained earnings to average equity (ytd only) | 4.3914% | 3,201 |
| Net charge-offs to loans | -0.0298% | 4,697 |
| Credit loss provision to net charge-offs | -13.2275% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6449% | 3,224 |
| Assets per employee ($millions) | 5.2679% | 2,262 |
| Cash dividends to net income (ytd only)* | 78.6644% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 4,204 |
| Loan loss allowance to noncurrent loans | 94.4154% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 1,140 |
| Noncurrent loans to loans | 0.9087% | 1,759 |
| Net loans and leases to total assets | 89.5287% | 51 |
| Net loans and leases to deposits | 105.1887% | 352 |
| Net loans and leases to core deposits | 114.5403% | 731 |
| Total domestic deposits to total assets | 85.1125% | 2,381 |
| Equity capital to assets | 9.8317% | 4,181 |
| Core capital (leverage) ratio | 9.8248% | 3,822 |
| Tier 1 risk-based capital ratio | 11.3761% | 4,731 |
| Total risk-based capital ratio | 12.2782% | 4,785 |
| Memoranda: | ||
| Average total assets | $958,383,500 | 817 |
| Average earning assets | $915,720,250 | 783 |
| Average equity | $95,061,250 | 936 |
| Average total loans | $846,301,000 | 684 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6841% | 419 |
| Cost of funding earning assets | 1.1662% | 1,091 |
| Net interest margin | 4.5179% | 743 |
| Noninterest income to average assets | 1.2363% | 564 |
| Noninterest expense to average assets | 3.4509% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0989% | 326 |
| Return on assets (ROA) | 2.0989% | 338 |
| Pretax return on assets | 2.0989% | 552 |
| Return on Equity (ROE) | 21.0974% | 199 |
| Retained earnings to average equity (ytd only) | 4.9304% | 2,805 |
| Net charge-offs to loans | -0.0406% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1799% | 3,407 |
| Assets per employee ($millions) | 5.4908% | 1,980 |
| Cash dividends to net income (ytd only)* | 76.6303% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 4,182 |
| Loan loss allowance to noncurrent loans | 578.2375% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 2,528 |
| Noncurrent loans to loans | 0.1512% | 4,006 |
| Net loans and leases to total assets | 85.6363% | 242 |
| Net loans and leases to deposits | 97.7621% | 867 |
| Net loans and leases to core deposits | 105.8989% | 1,249 |
| Total domestic deposits to total assets | 87.5967% | 1,289 |
| Equity capital to assets | 9.5379% | 4,367 |
| Core capital (leverage) ratio | 9.7017% | 3,929 |
| Tier 1 risk-based capital ratio | 11.3789% | 4,746 |
| Total risk-based capital ratio | 12.2834% | 4,811 |
| Memoranda: | ||
| Average total assets | $951,237,670 | 817 |
| Average earning assets | $908,215,000 | 789 |
| Average equity | $94,637,330 | 937 |
| Average total loans | $833,464,000 | 690 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7105% | 359 |
| Cost of funding earning assets | 1.1198% | 1,123 |
| Net interest margin | 4.5906% | 619 |
| Noninterest income to average assets | 1.6169% | 341 |
| Noninterest expense to average assets | 3.4966% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4992% | 163 |
| Return on assets (ROA) | 2.4992% | 173 |
| Pretax return on assets | 2.4992% | 252 |
| Return on Equity (ROE) | 24.5730% | 107 |
| Retained earnings to average equity (ytd only) | 7.9450% | 1,684 |
| Net charge-offs to loans | -0.0210% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3177% | 4,037 |
| Assets per employee ($millions) | 5.1701% | 2,314 |
| Cash dividends to net income (ytd only)* | 67.6679% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 4,132 |
| Loan loss allowance to noncurrent loans | 541.2108% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 2,247 |
| Noncurrent loans to loans | 0.1672% | 4,002 |
| Net loans and leases to total assets | 87.3032% | 130 |
| Net loans and leases to deposits | 100.5507% | 593 |
| Net loans and leases to core deposits | 108.6211% | 1,011 |
| Total domestic deposits to total assets | 86.8250% | 1,897 |
| Equity capital to assets | 10.1450% | 3,680 |
| Core capital (leverage) ratio | 10.1159% | 3,473 |
| Tier 1 risk-based capital ratio | 11.8208% | 4,554 |
| Total risk-based capital ratio | 12.7492% | 4,639 |
| Memoranda: | ||
| Average total assets | $927,193,000 | 841 |
| Average earning assets | $884,413,500 | 814 |
| Average equity | $94,298,500 | 934 |
| Average total loans | $818,529,500 | 703 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4632% | 433 |
| Cost of funding earning assets | 0.9054% | 1,066 |
| Net interest margin | 4.5578% | 677 |
| Noninterest income to average assets | 0.9330% | 1,100 |
| Noninterest expense to average assets | 3.4902% | 1,005 |
| Loan and lease loss provision to assets | 0.0321% | 3,543 |
| Net operating income to assets | 1.7297% | 640 |
| Return on assets (ROA) | 1.7297% | 642 |
| Pretax return on assets | 1.7297% | 1,093 |
| Return on Equity (ROE) | 17.8353% | 409 |
| Retained earnings to average equity (ytd only) | 7.5336% | 1,443 |
| Net charge-offs to loans | 0.0221% | 2,981 |
| Credit loss provision to net charge-offs | 165.7459% | 1,681 |
| Earnings coverage of net charge-offs (x) | 91.0442% | 787 |
| Efficiency ratio | 66.4556% | 2,793 |
| Assets per employee ($millions) | 5.1037% | 2,379 |
| Cash dividends to net income (ytd only)* | 57.7601% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 4,146 |
| Loan loss allowance to noncurrent loans | 637.5972% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 2,214 |
| Noncurrent loans to loans | 0.1416% | 4,106 |
| Net loans and leases to total assets | 87.6630% | 131 |
| Net loans and leases to deposits | 101.0126% | 670 |
| Net loans and leases to core deposits | 107.8856% | 1,123 |
| Total domestic deposits to total assets | 86.7842% | 1,881 |
| Equity capital to assets | 10.1959% | 3,473 |
| Core capital (leverage) ratio | 9.7495% | 3,856 |
| Tier 1 risk-based capital ratio | 11.9270% | 4,477 |
| Total risk-based capital ratio | 12.8771% | 4,542 |
| Memoranda: | ||
| Average total assets | $935,391,400 | 813 |
| Average earning assets | $886,363,800 | 796 |
| Average equity | $90,713,400 | 928 |
| Average total loans | $819,159,400 | 683 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 471 |
| Cost of funding earning assets | 0.8549% | 1,094 |
| Net interest margin | 4.4980% | 745 |
| Noninterest income to average assets | 0.8875% | 1,231 |
| Noninterest expense to average assets | 3.4491% | 1,050 |
| Loan and lease loss provision to assets | 0.0213% | 3,589 |
| Net operating income to assets | 1.6725% | 797 |
| Return on assets (ROA) | 1.6725% | 801 |
| Pretax return on assets | 1.6725% | 1,339 |
| Return on Equity (ROE) | 17.4666% | 488 |
| Retained earnings to average equity (ytd only) | 7.6277% | 1,836 |
| Net charge-offs to loans | 0.0029% | 3,370 |
| Credit loss provision to net charge-offs | 833.3333% | 469 |
| Earnings coverage of net charge-offs (x) | 662.2058% | 133 |
| Efficiency ratio | 67.0655% | 2,704 |
| Assets per employee ($millions) | 5.0995% | 2,337 |
| Cash dividends to net income (ytd only)* | 56.3297% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 4,308 |
| Loan loss allowance to noncurrent loans | 1,246.2057% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.5900% | 2,412 |
| Noncurrent loans to loans | 0.0713% | 4,556 |
| Net loans and leases to total assets | 88.3053% | 129 |
| Net loans and leases to deposits | 103.4130% | 576 |
| Net loans and leases to core deposits | 109.1232% | 1,091 |
| Total domestic deposits to total assets | 85.3910% | 2,460 |
| Equity capital to assets | 10.0011% | 3,644 |
| Core capital (leverage) ratio | 9.7422% | 3,906 |
| Tier 1 risk-based capital ratio | 11.6008% | 4,733 |
| Total risk-based capital ratio | 12.5439% | 4,796 |
| Memoranda: | ||
| Average total assets | $938,297,500 | 810 |
| Average earning assets | $887,691,250 | 794 |
| Average equity | $89,845,250 | 930 |
| Average total loans | $819,654,500 | 678 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 560 |
| Cost of funding earning assets | 0.7998% | 1,128 |
| Net interest margin | 4.3886% | 871 |
| Noninterest income to average assets | 0.8872% | 1,216 |
| Noninterest expense to average assets | 3.4541% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5787% | 965 |
| Return on assets (ROA) | 1.5787% | 971 |
| Pretax return on assets | 1.5787% | 1,573 |
| Return on Equity (ROE) | 16.7337% | 558 |
| Retained earnings to average equity (ytd only) | 6.6980% | 2,210 |
| Net charge-offs to loans | -0.0025% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6311% | 2,539 |
| Assets per employee ($millions) | 4.9335% | 2,503 |
| Cash dividends to net income (ytd only)* | 59.9730% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,489 |
| Loan loss allowance to noncurrent loans | 657.7376% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 2,133 |
| Noncurrent loans to loans | 0.1318% | 4,314 |
| Net loans and leases to total assets | 87.7621% | 149 |
| Net loans and leases to deposits | 101.5545% | 693 |
| Net loans and leases to core deposits | 105.5334% | 1,272 |
| Total domestic deposits to total assets | 86.4187% | 2,091 |
| Equity capital to assets | 9.6071% | 3,998 |
| Core capital (leverage) ratio | 9.4724% | 4,145 |
| Tier 1 risk-based capital ratio | 11.2331% | 4,932 |
| Total risk-based capital ratio | 12.1531% | 4,995 |
| Memoranda: | ||
| Average total assets | $939,995,330 | 812 |
| Average earning assets | $887,934,670 | 789 |
| Average equity | $88,683,330 | 939 |
| Average total loans | $815,719,670 | 676 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 636 |
| Cost of funding earning assets | 0.7730% | 1,088 |
| Net interest margin | 4.2728% | 1,002 |
| Noninterest income to average assets | 0.8945% | 1,160 |
| Noninterest expense to average assets | 3.5029% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4127% | 1,312 |
| Return on assets (ROA) | 1.4127% | 1,319 |
| Pretax return on assets | 1.4127% | 1,965 |
| Return on Equity (ROE) | 15.1135% | 783 |
| Retained earnings to average equity (ytd only) | 2.9797% | 4,009 |
| Net charge-offs to loans | -0.1800% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2610% | 2,306 |
| Assets per employee ($millions) | 4.8670% | 2,651 |
| Cash dividends to net income (ytd only)* | 80.2842% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 4,262 |
| Loan loss allowance to noncurrent loans | 374.6313% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.7116% | 2,189 |
| Noncurrent loans to loans | 0.2512% | 3,861 |
| Net loans and leases to total assets | 85.8339% | 273 |
| Net loans and leases to deposits | 101.7010% | 603 |
| Net loans and leases to core deposits | 105.5448% | 1,274 |
| Total domestic deposits to total assets | 84.3983% | 3,146 |
| Equity capital to assets | 9.4708% | 4,116 |
| Core capital (leverage) ratio | 9.2298% | 4,398 |
| Tier 1 risk-based capital ratio | 11.1198% | 5,072 |
| Total risk-based capital ratio | 12.1003% | 5,112 |
| Memoranda: | ||
| Average total assets | $936,379,000 | 815 |
| Average earning assets | $881,199,000 | 801 |
| Average equity | $87,524,500 | 957 |
| Average total loans | $804,292,000 | 683 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 573 |
| Cost of funding earning assets | 0.7146% | 953 |
| Net interest margin | 4.3466% | 867 |
| Noninterest income to average assets | 1.6799% | 384 |
| Noninterest expense to average assets | 4.1795% | 425 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5621% | 700 |
| Return on assets (ROA) | 1.5621% | 713 |
| Pretax return on assets | 1.5621% | 1,411 |
| Return on Equity (ROE) | 17.1261% | 383 |
| Retained earnings to average equity (ytd only) | 9.2559% | 465 |
| Net charge-offs to loans | 0.0371% | 3,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 49.5654% | 1,090 |
| Efficiency ratio | 72.7927% | 2,102 |
| Assets per employee ($millions) | 4.0796% | 3,842 |
| Cash dividends to net income (ytd only)* | 45.9542% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 4,431 |
| Loan loss allowance to noncurrent loans | 176.5937% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 1,661 |
| Noncurrent loans to loans | 0.5145% | 2,974 |
| Net loans and leases to total assets | 84.3679% | 411 |
| Net loans and leases to deposits | 99.6853% | 752 |
| Net loans and leases to core deposits | 102.9602% | 1,490 |
| Total domestic deposits to total assets | 84.6342% | 2,983 |
| Equity capital to assets | 9.2239% | 4,503 |
| Core capital (leverage) ratio | 9.1317% | 4,484 |
| Tier 1 risk-based capital ratio | 10.9766% | 5,162 |
| Total risk-based capital ratio | 11.9153% | 5,202 |
| Memoranda: | ||
| Average total assets | $897,937,200 | 833 |
| Average earning assets | $839,097,600 | 817 |
| Average equity | $81,904,200 | 989 |
| Average total loans | $762,380,600 | 688 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 639 |
| Cost of funding earning assets | 0.7011% | 957 |
| Net interest margin | 4.2781% | 975 |
| Noninterest income to average assets | 1.7881% | 368 |
| Noninterest expense to average assets | 4.2816% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4992% | 898 |
| Return on assets (ROA) | 1.4992% | 922 |
| Pretax return on assets | 1.4992% | 1,771 |
| Return on Equity (ROE) | 16.4848% | 481 |
| Retained earnings to average equity (ytd only) | 9.2753% | 770 |
| Net charge-offs to loans | 0.0310% | 2,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 57.0451% | 1,025 |
| Efficiency ratio | 74.0661% | 1,881 |
| Assets per employee ($millions) | 3.9927% | 4,006 |
| Cash dividends to net income (ytd only)* | 43.7344% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 4,526 |
| Loan loss allowance to noncurrent loans | 141.4363% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 1,599 |
| Noncurrent loans to loans | 0.6436% | 2,783 |
| Net loans and leases to total assets | 85.1003% | 328 |
| Net loans and leases to deposits | 100.2438% | 727 |
| Net loans and leases to core deposits | 103.6812% | 1,411 |
| Total domestic deposits to total assets | 84.8933% | 2,751 |
| Equity capital to assets | 8.9548% | 4,951 |
| Core capital (leverage) ratio | 8.7874% | 4,983 |
| Tier 1 risk-based capital ratio | 10.6840% | 5,378 |
| Total risk-based capital ratio | 11.6333% | 5,425 |
| Memoranda: | ||
| Average total assets | $887,846,250 | 851 |
| Average earning assets | $828,608,750 | 839 |
| Average equity | $80,743,250 | 1,006 |
| Average total loans | $753,255,000 | 699 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 784 |
| Cost of funding earning assets | 0.6473% | 1,156 |
| Net interest margin | 4.1970% | 1,081 |
| Noninterest income to average assets | 1.8623% | 352 |
| Noninterest expense to average assets | 4.3955% | 341 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3745% | 1,122 |
| Return on assets (ROA) | 1.3745% | 1,147 |
| Pretax return on assets | 1.3745% | 2,124 |
| Return on Equity (ROE) | 15.0306% | 653 |
| Retained earnings to average equity (ytd only) | 7.4084% | 1,392 |
| Net charge-offs to loans | 0.0180% | 2,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 90.5606% | 698 |
| Efficiency ratio | 76.1787% | 1,699 |
| Assets per employee ($millions) | 3.9538% | 4,030 |
| Cash dividends to net income (ytd only)* | 50.7111% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,262 |
| Loan loss allowance to noncurrent loans | 90.2233% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.4389% | 1,086 |
| Noncurrent loans to loans | 1.0868% | 1,806 |
| Net loans and leases to total assets | 79.5512% | 1,014 |
| Net loans and leases to deposits | 93.2645% | 1,335 |
| Net loans and leases to core deposits | 96.6074% | 1,920 |
| Total domestic deposits to total assets | 85.2963% | 2,695 |
| Equity capital to assets | 8.6076% | 5,222 |
| Core capital (leverage) ratio | 8.8748% | 4,871 |
| Tier 1 risk-based capital ratio | 11.0142% | 5,239 |
| Total risk-based capital ratio | 12.0404% | 5,272 |
| Memoranda: | ||
| Average total assets | $869,700,000 | 868 |
| Average earning assets | $809,767,330 | 860 |
| Average equity | $79,531,000 | 1,019 |
| Average total loans | $734,589,000 | 714 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 580 |
| Cost of funding earning assets | 0.6089% | 1,310 |
| Net interest margin | 4.3293% | 728 |
| Noninterest income to average assets | 1.5897% | 442 |
| Noninterest expense to average assets | 4.5098% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0885% | 1,916 |
| Return on assets (ROA) | 1.0885% | 1,961 |
| Pretax return on assets | 1.0885% | 3,032 |
| Return on Equity (ROE) | 11.5171% | 1,399 |
| Retained earnings to average equity (ytd only) | 3.0896% | 3,870 |
| Net charge-offs to loans | -0.1277% | 5,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5560% | 1,310 |
| Assets per employee ($millions) | 3.4250% | 4,897 |
| Cash dividends to net income (ytd only)* | 73.1740% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,777 |
| Loan loss allowance to noncurrent loans | 143.7477% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 1,349 |
| Noncurrent loans to loans | 0.7567% | 2,591 |
| Net loans and leases to total assets | 84.2075% | 346 |
| Net loans and leases to deposits | 102.0796% | 499 |
| Net loans and leases to core deposits | 105.4305% | 1,143 |
| Total domestic deposits to total assets | 82.4921% | 4,018 |
| Equity capital to assets | 9.3948% | 4,395 |
| Core capital (leverage) ratio | 9.4565% | 4,167 |
| Tier 1 risk-based capital ratio | 11.1269% | 5,245 |
| Total risk-based capital ratio | 12.2486% | 5,222 |
| Memoranda: | ||
| Average total assets | $830,097,000 | 914 |
| Average earning assets | $768,615,500 | 908 |
| Average equity | $78,457,500 | 1,028 |
| Average total loans | $720,713,000 | 730 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 496 |
| Cost of funding earning assets | 0.6132% | 1,251 |
| Net interest margin | 4.4880% | 644 |
| Noninterest income to average assets | 1.9877% | 344 |
| Noninterest expense to average assets | 4.5290% | 364 |
| Loan and lease loss provision to assets | 0.1583% | 1,569 |
| Net operating income to assets | 1.4393% | 936 |
| Return on assets (ROA) | 1.4393% | 961 |
| Pretax return on assets | 1.4393% | 1,781 |
| Return on Equity (ROE) | 15.6299% | 545 |
| Retained earnings to average equity (ytd only) | 4.4942% | 2,708 |
| Net charge-offs to loans | -0.1208% | 5,638 |
| Credit loss provision to net charge-offs | -149.4725% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9241% | 2,297 |
| Assets per employee ($millions) | 3.4069% | 4,895 |
| Cash dividends to net income (ytd only)* | 71.2462% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 4,095 |
| Loan loss allowance to noncurrent loans | 135.0466% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 1,220 |
| Noncurrent loans to loans | 0.7680% | 2,614 |
| Net loans and leases to total assets | 87.6306% | 144 |
| Net loans and leases to deposits | 106.8829% | 307 |
| Net loans and leases to core deposits | 111.1349% | 826 |
| Total domestic deposits to total assets | 81.9874% | 4,079 |
| Equity capital to assets | 9.5097% | 4,262 |
| Core capital (leverage) ratio | 9.1711% | 4,520 |
| Tier 1 risk-based capital ratio | 11.0530% | 5,314 |
| Total risk-based capital ratio | 12.1427% | 5,287 |
| Memoranda: | ||
| Average total assets | $805,615,600 | 897 |
| Average earning assets | $742,942,400 | 898 |
| Average equity | $74,184,800 | 1,071 |
| Average total loans | $705,958,600 | 716 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 538 |
| Cost of funding earning assets | 0.5948% | 1,374 |
| Net interest margin | 4.4646% | 682 |
| Noninterest income to average assets | 1.9623% | 358 |
| Noninterest expense to average assets | 4.4723% | 395 |
| Loan and lease loss provision to assets | 0.2120% | 994 |
| Net operating income to assets | 1.3946% | 1,080 |
| Return on assets (ROA) | 1.3946% | 1,134 |
| Pretax return on assets | 1.3946% | 2,052 |
| Return on Equity (ROE) | 15.2724% | 637 |
| Retained earnings to average equity (ytd only) | 2.6699% | 4,308 |
| Net charge-offs to loans | -0.0232% | 5,062 |
| Credit loss provision to net charge-offs | -1,045.0820% | 5,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5706% | 2,366 |
| Assets per employee ($millions) | 3.4538% | 4,835 |
| Cash dividends to net income (ytd only)* | 82.5185% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 4,754 |
| Loan loss allowance to noncurrent loans | 88.0528% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6045% | 1,090 |
| Noncurrent loans to loans | 1.0560% | 2,131 |
| Net loans and leases to total assets | 88.6414% | 105 |
| Net loans and leases to deposits | 102.9455% | 506 |
| Net loans and leases to core deposits | 107.3709% | 1,091 |
| Total domestic deposits to total assets | 86.1052% | 2,302 |
| Equity capital to assets | 9.1261% | 5,046 |
| Core capital (leverage) ratio | 9.0456% | 4,783 |
| Tier 1 risk-based capital ratio | 10.9845% | 5,379 |
| Total risk-based capital ratio | 11.9870% | 5,413 |
| Memoranda: | ||
| Average total assets | $801,753,000 | 903 |
| Average earning assets | $739,244,250 | 898 |
| Average equity | $73,210,750 | 1,089 |
| Average total loans | $700,686,750 | 719 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 648 |
| Cost of funding earning assets | 0.5510% | 1,691 |
| Net interest margin | 4.3953% | 775 |
| Noninterest income to average assets | 1.9840% | 336 |
| Noninterest expense to average assets | 4.4916% | 391 |
| Loan and lease loss provision to assets | 0.2575% | 741 |
| Net operating income to assets | 1.2786% | 1,338 |
| Return on assets (ROA) | 1.2786% | 1,449 |
| Pretax return on assets | 1.2786% | 2,490 |
| Return on Equity (ROE) | 14.0001% | 828 |
| Retained earnings to average equity (ytd only) | -0.5391% | 5,373 |
| Net charge-offs to loans | -0.0084% | 4,650 |
| Credit loss provision to net charge-offs | -3,534.4828% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5155% | 2,290 |
| Assets per employee ($millions) | 3.7141% | 4,418 |
| Cash dividends to net income (ytd only)* | 103.8507% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,995 |
| Loan loss allowance to noncurrent loans | 58.4561% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.9498% | 848 |
| Noncurrent loans to loans | 1.5197% | 1,435 |
| Net loans and leases to total assets | 87.9006% | 141 |
| Net loans and leases to deposits | 100.9142% | 634 |
| Net loans and leases to core deposits | 105.2752% | 1,235 |
| Total domestic deposits to total assets | 87.1043% | 1,862 |
| Equity capital to assets | 8.8932% | 5,317 |
| Core capital (leverage) ratio | 8.8703% | 4,978 |
| Tier 1 risk-based capital ratio | 10.8832% | 5,491 |
| Total risk-based capital ratio | 11.8480% | 5,544 |
| Memoranda: | ||
| Average total assets | $796,153,670 | 910 |
| Average earning assets | $732,457,330 | 905 |
| Average equity | $72,713,670 | 1,096 |
| Average total loans | $690,120,670 | 726 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 604 |
| Cost of funding earning assets | 0.5081% | 2,041 |
| Net interest margin | 4.4729% | 641 |
| Noninterest income to average assets | 1.8177% | 391 |
| Noninterest expense to average assets | 4.5086% | 392 |
| Loan and lease loss provision to assets | 0.1914% | 1,034 |
| Net operating income to assets | 1.2151% | 1,505 |
| Return on assets (ROA) | 1.2151% | 1,608 |
| Pretax return on assets | 1.2151% | 2,642 |
| Return on Equity (ROE) | 13.1234% | 1,011 |
| Retained earnings to average equity (ytd only) | -6.3936% | 5,689 |
| Net charge-offs to loans | -0.0083% | 4,458 |
| Credit loss provision to net charge-offs | -2,678.5714% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2229% | 2,149 |
| Assets per employee ($millions) | 3.4717% | 4,855 |
| Cash dividends to net income (ytd only)* | 148.7190% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 5,217 |
| Loan loss allowance to noncurrent loans | 110.4091% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3016% | 1,649 |
| Noncurrent loans to loans | 0.7715% | 2,910 |
| Net loans and leases to total assets | 84.5778% | 319 |
| Net loans and leases to deposits | 97.6275% | 788 |
| Net loans and leases to core deposits | 101.7883% | 1,356 |
| Total domestic deposits to total assets | 86.6332% | 2,393 |
| Equity capital to assets | 9.0184% | 5,156 |
| Core capital (leverage) ratio | 9.3903% | 4,358 |
| Tier 1 risk-based capital ratio | 10.9092% | 5,546 |
| Total risk-based capital ratio | 11.7884% | 5,636 |
| Memoranda: | ||
| Average total assets | $783,827,500 | 922 |
| Average earning assets | $718,008,000 | 923 |
| Average equity | $72,572,500 | 1,091 |
| Average total loans | $671,201,000 | 740 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 841 |
| Cost of funding earning assets | 0.5211% | 1,985 |
| Net interest margin | 4.3349% | 897 |
| Noninterest income to average assets | 1.6954% | 454 |
| Noninterest expense to average assets | 4.3622% | 452 |
| Loan and lease loss provision to assets | 0.2232% | 918 |
| Net operating income to assets | 1.1401% | 1,770 |
| Return on assets (ROA) | 1.1401% | 1,835 |
| Pretax return on assets | 1.1401% | 2,883 |
| Return on Equity (ROE) | 12.5616% | 1,166 |
| Retained earnings to average equity (ytd only) | 6.4373% | 1,575 |
| Net charge-offs to loans | 0.1855% | 1,554 |
| Credit loss provision to net charge-offs | 137.6110% | 1,904 |
| Earnings coverage of net charge-offs (x) | 8.4036% | 2,956 |
| Efficiency ratio | 76.1886% | 2,242 |
| Assets per employee ($millions) | 3.3297% | 5,103 |
| Cash dividends to net income (ytd only)* | 48.7539% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 5,360 |
| Loan loss allowance to noncurrent loans | 110.0651% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.3789% | 1,518 |
| Noncurrent loans to loans | 0.7437% | 2,948 |
| Net loans and leases to total assets | 85.2667% | 290 |
| Net loans and leases to deposits | 98.8242% | 759 |
| Net loans and leases to core deposits | 103.3398% | 1,274 |
| Total domestic deposits to total assets | 86.2812% | 2,496 |
| Equity capital to assets | 9.5082% | 4,542 |
| Core capital (leverage) ratio | 9.3717% | 4,369 |
| Tier 1 risk-based capital ratio | 11.5590% | 5,208 |
| Total risk-based capital ratio | 12.4144% | 5,338 |
| Memoranda: | ||
| Average total assets | $763,727,000 | 908 |
| Average earning assets | $710,035,400 | 896 |
| Average equity | $69,314,600 | 1,099 |
| Average total loans | $667,810,800 | 705 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 496 |
| Cost of funding earning assets | 0.5105% | 2,115 |
| Net interest margin | 4.6124% | 531 |
| Noninterest income to average assets | 1.7307% | 439 |
| Noninterest expense to average assets | 4.7451% | 352 |
| Loan and lease loss provision to assets | 0.2536% | 670 |
| Net operating income to assets | 1.0378% | 2,286 |
| Return on assets (ROA) | 1.0378% | 2,381 |
| Pretax return on assets | 1.0378% | 3,473 |
| Return on Equity (ROE) | 11.5738% | 1,505 |
| Retained earnings to average equity (ytd only) | 4.6244% | 3,183 |
| Net charge-offs to loans | 0.2394% | 1,093 |
| Credit loss provision to net charge-offs | 120.6323% | 1,974 |
| Earnings coverage of net charge-offs (x) | 6.1431% | 3,092 |
| Efficiency ratio | 78.6070% | 1,874 |
| Assets per employee ($millions) | 3.4321% | 4,921 |
| Cash dividends to net income (ytd only)* | 60.0439% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 5,572 |
| Loan loss allowance to noncurrent loans | 113.2055% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 1,731 |
| Noncurrent loans to loans | 0.6843% | 3,270 |
| Net loans and leases to total assets | 86.5569% | 200 |
| Net loans and leases to deposits | 95.7258% | 1,035 |
| Net loans and leases to core deposits | 99.8165% | 1,533 |
| Total domestic deposits to total assets | 90.4217% | 413 |
| Equity capital to assets | 9.1113% | 5,203 |
| Core capital (leverage) ratio | 8.8640% | 5,164 |
| Tier 1 risk-based capital ratio | 11.1751% | 5,559 |
| Total risk-based capital ratio | 12.0037% | 5,713 |
| Memoranda: | ||
| Average total assets | $762,366,750 | 910 |
| Average earning assets | $711,680,500 | 897 |
| Average equity | $68,359,750 | 1,120 |
| Average total loans | $669,449,250 | 703 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 608 |
| Cost of funding earning assets | 0.4595% | 2,614 |
| Net interest margin | 4.5247% | 610 |
| Noninterest income to average assets | 1.6219% | 494 |
| Noninterest expense to average assets | 4.7028% | 363 |
| Loan and lease loss provision to assets | 0.2789% | 584 |
| Net operating income to assets | 0.8787% | 2,997 |
| Return on assets (ROA) | 0.8787% | 3,107 |
| Pretax return on assets | 0.8787% | 4,036 |
| Return on Equity (ROE) | 9.8529% | 2,137 |
| Retained earnings to average equity (ytd only) | 2.3747% | 4,548 |
| Net charge-offs to loans | 0.4478% | 573 |
| Credit loss provision to net charge-offs | 70.7610% | 2,453 |
| Earnings coverage of net charge-offs (x) | 2.9372% | 3,268 |
| Efficiency ratio | 80.2478% | 1,723 |
| Assets per employee ($millions) | 3.4977% | 4,792 |
| Cash dividends to net income (ytd only)* | 75.8982% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 5,873 |
| Loan loss allowance to noncurrent loans | 101.9444% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.3375% | 1,875 |
| Noncurrent loans to loans | 0.6521% | 3,519 |
| Net loans and leases to total assets | 85.6127% | 258 |
| Net loans and leases to deposits | 95.2388% | 1,028 |
| Net loans and leases to core deposits | 99.3232% | 1,549 |
| Total domestic deposits to total assets | 89.8927% | 704 |
| Equity capital to assets | 8.7004% | 5,521 |
| Core capital (leverage) ratio | 8.8123% | 5,212 |
| Tier 1 risk-based capital ratio | 10.8742% | 5,772 |
| Total risk-based capital ratio | 11.5900% | 5,919 |
| Memoranda: | ||
| Average total assets | $760,225,330 | 916 |
| Average earning assets | $712,128,330 | 900 |
| Average equity | $67,797,330 | 1,134 |
| Average total loans | $669,053,330 | 699 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0167% | 562 |
| Cost of funding earning assets | 0.4233% | 3,027 |
| Net interest margin | 4.5934% | 506 |
| Noninterest income to average assets | 1.2640% | 717 |
| Noninterest expense to average assets | 4.6119% | 396 |
| Loan and lease loss provision to assets | 0.2785% | 549 |
| Net operating income to assets | 0.6802% | 3,891 |
| Return on assets (ROA) | 0.6802% | 4,018 |
| Pretax return on assets | 0.6802% | 4,654 |
| Return on Equity (ROE) | 7.5303% | 3,203 |
| Retained earnings to average equity (ytd only) | -2.8817% | 5,779 |
| Net charge-offs to loans | 0.6887% | 348 |
| Credit loss provision to net charge-offs | 45.4545% | 2,139 |
| Earnings coverage of net charge-offs (x) | 1.5647% | 2,902 |
| Efficiency ratio | 82.7901% | 1,524 |
| Assets per employee ($millions) | 3.1571% | 5,470 |
| Cash dividends to net income (ytd only)* | 138.2677% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6497% | 5,988 |
| Loan loss allowance to noncurrent loans | 91.5696% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.7854% | 1,376 |
| Noncurrent loans to loans | 0.7095% | 3,496 |
| Net loans and leases to total assets | 88.3456% | 94 |
| Net loans and leases to deposits | 101.7599% | 467 |
| Net loans and leases to core deposits | 106.5818% | 898 |
| Total domestic deposits to total assets | 86.8177% | 2,474 |
| Equity capital to assets | 8.9834% | 5,312 |
| Core capital (leverage) ratio | 9.2730% | 4,622 |
| Tier 1 risk-based capital ratio | 10.6984% | 5,938 |
| Total risk-based capital ratio | 11.3865% | 6,078 |
| Memoranda: | ||
| Average total assets | $746,844,500 | 932 |
| Average earning assets | $700,223,500 | 918 |
| Average equity | $67,460,500 | 1,138 |
| Average total loans | $664,445,000 | 704 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1159% | 610 |
| Cost of funding earning assets | 0.4937% | 2,728 |
| Net interest margin | 4.6222% | 597 |
| Noninterest income to average assets | 1.5198% | 533 |
| Noninterest expense to average assets | 4.8415% | 350 |
| Loan and lease loss provision to assets | 0.0384% | 3,806 |
| Net operating income to assets | 0.9445% | 2,649 |
| Return on assets (ROA) | 0.9445% | 2,743 |
| Pretax return on assets | 0.9445% | 3,715 |
| Return on Equity (ROE) | 10.6860% | 1,823 |
| Retained earnings to average equity (ytd only) | 5.0883% | 2,535 |
| Net charge-offs to loans | 0.1909% | 2,137 |
| Credit loss provision to net charge-offs | 23.5343% | 3,929 |
| Earnings coverage of net charge-offs (x) | 6.0206% | 3,289 |
| Efficiency ratio | 83.1235% | 1,506 |
| Assets per employee ($millions) | 3.1587% | 5,498 |
| Cash dividends to net income (ytd only)* | 52.3837% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 5,891 |
| Loan loss allowance to noncurrent loans | 102.8910% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.8846% | 1,366 |
| Noncurrent loans to loans | 0.7246% | 3,514 |
| Net loans and leases to total assets | 88.3471% | 103 |
| Net loans and leases to deposits | 104.5318% | 417 |
| Net loans and leases to core deposits | 109.8989% | 783 |
| Total domestic deposits to total assets | 84.5170% | 3,502 |
| Equity capital to assets | 9.0822% | 5,200 |
| Core capital (leverage) ratio | 9.3282% | 4,497 |
| Tier 1 risk-based capital ratio | 11.1521% | 5,841 |
| Total risk-based capital ratio | 11.9671% | 5,956 |
| Memoranda: | ||
| Average total assets | $741,735,200 | 908 |
| Average earning assets | $690,768,200 | 889 |
| Average equity | $65,562,600 | 1,123 |
| Average total loans | $634,279,400 | 689 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0974% | 648 |
| Cost of funding earning assets | 0.5050% | 2,707 |
| Net interest margin | 4.5924% | 625 |
| Noninterest income to average assets | 1.3900% | 642 |
| Noninterest expense to average assets | 4.8798% | 337 |
| Loan and lease loss provision to assets | 0.0153% | 4,104 |
| Net operating income to assets | 0.7671% | 3,583 |
| Return on assets (ROA) | 0.7671% | 3,684 |
| Pretax return on assets | 0.7671% | 4,477 |
| Return on Equity (ROE) | 8.7387% | 2,815 |
| Retained earnings to average equity (ytd only) | 3.5430% | 4,125 |
| Net charge-offs to loans | 0.2820% | 1,393 |
| Credit loss provision to net charge-offs | 6.4103% | 3,744 |
| Earnings coverage of net charge-offs (x) | 3.2783% | 3,694 |
| Efficiency ratio | 86.1825% | 1,167 |
| Assets per employee ($millions) | 3.1221% | 5,556 |
| Cash dividends to net income (ytd only)* | 59.4557% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 6,045 |
| Loan loss allowance to noncurrent loans | 84.2335% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.1575% | 1,294 |
| Noncurrent loans to loans | 0.8640% | 3,407 |
| Net loans and leases to total assets | 85.3875% | 232 |
| Net loans and leases to deposits | 94.4159% | 1,001 |
| Net loans and leases to core deposits | 99.4748% | 1,417 |
| Total domestic deposits to total assets | 90.4376% | 554 |
| Equity capital to assets | 8.9331% | 5,427 |
| Core capital (leverage) ratio | 8.8834% | 5,212 |
| Tier 1 risk-based capital ratio | 11.2642% | 5,885 |
| Total risk-based capital ratio | 12.0538% | 6,035 |
| Memoranda: | ||
| Average total assets | $740,804,750 | 919 |
| Average earning assets | $689,150,750 | 899 |
| Average equity | $65,027,250 | 1,137 |
| Average total loans | $626,965,000 | 692 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 600 |
| Cost of funding earning assets | 0.5144% | 2,680 |
| Net interest margin | 4.6023% | 580 |
| Noninterest income to average assets | 1.2714% | 733 |
| Noninterest expense to average assets | 4.8477% | 342 |
| Loan and lease loss provision to assets | 0.0229% | 3,819 |
| Net operating income to assets | 0.6722% | 3,978 |
| Return on assets (ROA) | 0.6722% | 4,074 |
| Pretax return on assets | 0.6722% | 4,729 |
| Return on Equity (ROE) | 7.7037% | 3,259 |
| Retained earnings to average equity (ytd only) | 3.3586% | 4,060 |
| Net charge-offs to loans | 0.6088% | 659 |
| Credit loss provision to net charge-offs | 4.4760% | 3,367 |
| Earnings coverage of net charge-offs (x) | 1.3565% | 3,830 |
| Efficiency ratio | 87.4580% | 1,135 |
| Assets per employee ($millions) | 3.0811% | 5,625 |
| Cash dividends to net income (ytd only)* | 56.4031% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 6,252 |
| Loan loss allowance to noncurrent loans | 88.7989% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 2.1483% | 1,430 |
| Noncurrent loans to loans | 0.7298% | 3,873 |
| Net loans and leases to total assets | 83.1190% | 371 |
| Net loans and leases to deposits | 91.5007% | 1,215 |
| Net loans and leases to core deposits | 96.3925% | 1,572 |
| Total domestic deposits to total assets | 90.8397% | 461 |
| Equity capital to assets | 8.7430% | 5,581 |
| Core capital (leverage) ratio | 8.6268% | 5,502 |
| Tier 1 risk-based capital ratio | 11.3491% | 5,877 |
| Total risk-based capital ratio | 12.0530% | 6,075 |
| Memoranda: | ||
| Average total assets | $741,097,670 | 919 |
| Average earning assets | $687,830,670 | 894 |
| Average equity | $64,670,330 | 1,132 |
| Average total loans | $623,808,000 | 690 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 649 |
| Cost of funding earning assets | 0.4774% | 3,144 |
| Net interest margin | 4.5748% | 584 |
| Noninterest income to average assets | 1.3845% | 608 |
| Noninterest expense to average assets | 4.9657% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6608% | 3,888 |
| Return on assets (ROA) | 0.6608% | 3,982 |
| Pretax return on assets | 0.6608% | 4,629 |
| Return on Equity (ROE) | 7.5798% | 3,154 |
| Retained earnings to average equity (ytd only) | -1.1637% | 5,755 |
| Net charge-offs to loans | 0.8938% | 391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.8756% | 3,244 |
| Efficiency ratio | 88.2557% | 1,201 |
| Assets per employee ($millions) | 3.1038% | 5,680 |
| Cash dividends to net income (ytd only)* | 115.3530% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 6,245 |
| Loan loss allowance to noncurrent loans | 71.8615% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.5691% | 1,229 |
| Noncurrent loans to loans | 1.0066% | 3,408 |
| Net loans and leases to total assets | 81.8942% | 363 |
| Net loans and leases to deposits | 89.9439% | 1,162 |
| Net loans and leases to core deposits | 94.3164% | 1,524 |
| Total domestic deposits to total assets | 91.0503% | 546 |
| Equity capital to assets | 8.5446% | 5,606 |
| Core capital (leverage) ratio | 8.7523% | 5,321 |
| Tier 1 risk-based capital ratio | 11.2954% | 6,022 |
| Total risk-based capital ratio | 12.0844% | 6,175 |
| Memoranda: | ||
| Average total assets | $737,297,000 | 924 |
| Average earning assets | $683,655,000 | 903 |
| Average equity | $64,276,000 | 1,135 |
| Average total loans | $622,527,000 | 688 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 614 |
| Cost of funding earning assets | 0.6025% | 2,634 |
| Net interest margin | 4.6159% | 593 |
| Noninterest income to average assets | 1.5654% | 586 |
| Noninterest expense to average assets | 5.4479% | 256 |
| Loan and lease loss provision to assets | 0.1628% | 2,241 |
| Net operating income to assets | 0.1999% | 5,818 |
| Return on assets (ROA) | 0.4652% | 5,022 |
| Pretax return on assets | 0.4652% | 5,310 |
| Return on Equity (ROE) | 5.5245% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.5245% | 2,262 |
| Net charge-offs to loans | 0.3874% | 1,742 |
| Credit loss provision to net charge-offs | 51.5031% | 3,779 |
| Earnings coverage of net charge-offs (x) | 1.1477% | 4,693 |
| Efficiency ratio | 93.7583% | 763 |
| Assets per employee ($millions) | 2.9896% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 5,797 |
| Loan loss allowance to noncurrent loans | 70.7761% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 3.0105% | 1,047 |
| Noncurrent loans to loans | 1.3267% | 2,915 |
| Net loans and leases to total assets | 85.6389% | 172 |
| Net loans and leases to deposits | 94.4519% | 843 |
| Net loans and leases to core deposits | 98.8472% | 1,249 |
| Total domestic deposits to total assets | 90.6694% | 719 |
| Equity capital to assets | 8.8976% | 5,151 |
| Core capital (leverage) ratio | 9.0130% | 4,978 |
| Tier 1 risk-based capital ratio | 11.2208% | 6,066 |
| Total risk-based capital ratio | 12.2449% | 6,122 |
| Memoranda: | ||
| Average total assets | $715,784,400 | 924 |
| Average earning assets | $658,290,200 | 915 |
| Average equity | $60,277,200 | 1,190 |
| Average total loans | $583,952,800 | 717 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 680 |
| Cost of funding earning assets | 0.6367% | 2,488 |
| Net interest margin | 4.5431% | 688 |
| Noninterest income to average assets | 1.5622% | 602 |
| Noninterest expense to average assets | 5.5746% | 240 |
| Loan and lease loss provision to assets | 0.2176% | 1,676 |
| Net operating income to assets | -0.0572% | 6,343 |
| Return on assets (ROA) | 0.2975% | 5,739 |
| Pretax return on assets | 0.2975% | 5,885 |
| Return on Equity (ROE) | 3.5845% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.5845% | 4,143 |
| Net charge-offs to loans | 0.3071% | 1,999 |
| Credit loss provision to net charge-offs | 88.1908% | 2,670 |
| Earnings coverage of net charge-offs (x) | 0.6503% | 4,635 |
| Efficiency ratio | 97.2025% | 561 |
| Assets per employee ($millions) | 2.7085% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,239 |
| Loan loss allowance to noncurrent loans | 59.3296% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 4.0978% | 757 |
| Noncurrent loans to loans | 1.8941% | 2,378 |
| Net loans and leases to total assets | 85.7984% | 158 |
| Net loans and leases to deposits | 94.4715% | 800 |
| Net loans and leases to core deposits | 97.8796% | 1,251 |
| Total domestic deposits to total assets | 90.8194% | 606 |
| Equity capital to assets | 8.6780% | 5,546 |
| Core capital (leverage) ratio | 8.5667% | 5,702 |
| Tier 1 risk-based capital ratio | 10.9462% | 6,302 |
| Total risk-based capital ratio | 12.1767% | 6,277 |
| Memoranda: | ||
| Average total assets | $713,861,250 | 932 |
| Average earning assets | $655,684,500 | 923 |
| Average equity | $59,253,500 | 1,226 |
| Average total loans | $573,578,250 | 730 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 800 |
| Cost of funding earning assets | 0.6913% | 2,134 |
| Net interest margin | 4.3902% | 867 |
| Noninterest income to average assets | 1.5605% | 646 |
| Noninterest expense to average assets | 5.5152% | 260 |
| Loan and lease loss provision to assets | 0.2337% | 1,595 |
| Net operating income to assets | -0.1566% | 6,461 |
| Return on assets (ROA) | 0.3717% | 5,498 |
| Pretax return on assets | 0.3717% | 5,702 |
| Return on Equity (ROE) | 4.5449% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.5449% | 3,377 |
| Net charge-offs to loans | 0.4525% | 1,449 |
| Credit loss provision to net charge-offs | 65.9859% | 2,912 |
| Earnings coverage of net charge-offs (x) | 0.2176% | 4,474 |
| Efficiency ratio | 98.6220% | 540 |
| Assets per employee ($millions) | 2.7239% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,223 |
| Loan loss allowance to noncurrent loans | 52.2918% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 4.2378% | 798 |
| Noncurrent loans to loans | 2.2060% | 2,172 |
| Net loans and leases to total assets | 78.1885% | 727 |
| Net loans and leases to deposits | 85.9137% | 1,581 |
| Net loans and leases to core deposits | 89.1643% | 1,987 |
| Total domestic deposits to total assets | 91.0081% | 537 |
| Equity capital to assets | 8.4292% | 5,841 |
| Core capital (leverage) ratio | 8.2452% | 5,965 |
| Tier 1 risk-based capital ratio | 11.0686% | 6,303 |
| Total risk-based capital ratio | 12.2673% | 6,302 |
| Memoranda: | ||
| Average total assets | $718,885,330 | 929 |
| Average earning assets | $660,202,670 | 921 |
| Average equity | $58,791,000 | 1,232 |
| Average total loans | $562,649,670 | 739 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 657 |
| Cost of funding earning assets | 0.7276% | 2,007 |
| Net interest margin | 4.4379% | 754 |
| Noninterest income to average assets | 1.2870% | 921 |
| Noninterest expense to average assets | 5.3601% | 291 |
| Loan and lease loss provision to assets | 0.3888% | 803 |
| Net operating income to assets | -0.3933% | 6,624 |
| Return on assets (ROA) | 0.6615% | 4,054 |
| Pretax return on assets | 0.6615% | 4,744 |
| Return on Equity (ROE) | 8.2147% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.2147% | 1,683 |
| Net charge-offs to loans | -0.0293% | 5,885 |
| Credit loss provision to net charge-offs | -1,707.3171% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0830% | 541 |
| Assets per employee ($millions) | 2.7692% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 4,212 |
| Loan loss allowance to noncurrent loans | 45.4926% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 5.1926% | 681 |
| Noncurrent loans to loans | 3.0851% | 1,621 |
| Net loans and leases to total assets | 75.5284% | 898 |
| Net loans and leases to deposits | 83.5994% | 1,640 |
| Net loans and leases to core deposits | 86.6708% | 2,044 |
| Total domestic deposits to total assets | 90.3457% | 852 |
| Equity capital to assets | 8.4009% | 6,101 |
| Core capital (leverage) ratio | 8.4456% | 5,650 |
| Tier 1 risk-based capital ratio | 11.1614% | 6,337 |
| Total risk-based capital ratio | 12.4135% | 6,314 |
| Memoranda: | ||
| Average total assets | $720,131,500 | 937 |
| Average earning assets | $660,225,500 | 922 |
| Average equity | $57,993,500 | 1,255 |
| Average total loans | $560,637,500 | 745 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 822 |
| Cost of funding earning assets | 1.1761% | 645 |
| Net interest margin | 4.1756% | 1,728 |
| Noninterest income to average assets | 0.9495% | 1,704 |
| Noninterest expense to average assets | 4.6791% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1016% | 6,012 |
| Return on assets (ROA) | 0.1016% | 6,154 |
| Pretax return on assets | 0.1016% | 6,159 |
| Return on Equity (ROE) | 1.4279% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.4279% | 5,157 |
| Net charge-offs to loans | 0.4746% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.2948% | 5,332 |
| Efficiency ratio | 97.8757% | 633 |
| Assets per employee ($millions) | 2.9155% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,029 |
| Loan loss allowance to noncurrent loans | 54.1107% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 4.8866% | 807 |
| Noncurrent loans to loans | 2.2525% | 2,400 |
| Net loans and leases to total assets | 78.1266% | 658 |
| Net loans and leases to deposits | 86.1240% | 1,499 |
| Net loans and leases to core deposits | 89.1670% | 1,942 |
| Total domestic deposits to total assets | 90.7141% | 605 |
| Equity capital to assets | 7.7083% | 6,548 |
| Core capital (leverage) ratio | 7.0018% | 6,701 |
| Tier 1 risk-based capital ratio | 9.6229% | 6,789 |
| Total risk-based capital ratio | 10.8730% | 6,768 |
| Memoranda: | ||
| Average total assets | $771,018,200 | 862 |
| Average earning assets | $707,411,800 | 855 |
| Average equity | $54,835,000 | 1,305 |
| Average total loans | $559,680,600 | 742 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1376% | 1,336 |
| Cost of funding earning assets | 1.1993% | 692 |
| Net interest margin | 3.9383% | 2,765 |
| Noninterest income to average assets | 0.9105% | 1,792 |
| Noninterest expense to average assets | 4.4553% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0679% | 6,179 |
| Return on assets (ROA) | 0.0679% | 6,317 |
| Pretax return on assets | 0.0679% | 6,313 |
| Return on Equity (ROE) | 0.9742% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.9742% | 5,779 |
| Net charge-offs to loans | 0.5694% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1679% | 5,246 |
| Efficiency ratio | 98.4980% | 585 |
| Assets per employee ($millions) | 3.3284% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 5,063 |
| Loan loss allowance to noncurrent loans | 49.6099% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 4.8579% | 923 |
| Noncurrent loans to loans | 2.5115% | 2,282 |
| Net loans and leases to total assets | 74.7277% | 1,142 |
| Net loans and leases to deposits | 85.9703% | 1,603 |
| Net loans and leases to core deposits | 89.1638% | 2,090 |
| Total domestic deposits to total assets | 86.9227% | 2,721 |
| Equity capital to assets | 7.2371% | 6,835 |
| Core capital (leverage) ratio | 6.8472% | 6,828 |
| Tier 1 risk-based capital ratio | 9.5366% | 6,893 |
| Total risk-based capital ratio | 10.7873% | 6,882 |
| Memoranda: | ||
| Average total assets | $783,009,750 | 852 |
| Average earning assets | $718,292,750 | 839 |
| Average equity | $54,610,000 | 1,315 |
| Average total loans | $556,634,250 | 749 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 1,981 |
| Cost of funding earning assets | 1.1116% | 1,167 |
| Net interest margin | 3.8223% | 3,256 |
| Noninterest income to average assets | 0.8914% | 1,816 |
| Noninterest expense to average assets | 4.3695% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0305% | 6,284 |
| Return on assets (ROA) | 0.0305% | 6,424 |
| Pretax return on assets | 0.0305% | 6,411 |
| Return on Equity (ROE) | 0.4423% | 6,401 |
| Retained earnings to average equity (ytd only) | 0.4423% | 5,892 |
| Net charge-offs to loans | 0.8004% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.0547% | 5,054 |
| Efficiency ratio | 99.3076% | 585 |
| Assets per employee ($millions) | 3.4308% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 4,998 |
| Loan loss allowance to noncurrent loans | 46.9666% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 4.7334% | 1,021 |
| Noncurrent loans to loans | 2.7198% | 2,210 |
| Net loans and leases to total assets | 70.9394% | 1,744 |
| Net loans and leases to deposits | 81.2172% | 2,203 |
| Net loans and leases to core deposits | 84.0115% | 2,685 |
| Total domestic deposits to total assets | 87.3454% | 2,570 |
| Equity capital to assets | 6.7431% | 6,948 |
| Core capital (leverage) ratio | 6.7104% | 6,886 |
| Tier 1 risk-based capital ratio | 9.4501% | 6,931 |
| Total risk-based capital ratio | 10.7008% | 6,928 |
| Memoranda: | ||
| Average total assets | $787,727,000 | 842 |
| Average earning assets | $723,074,000 | 832 |
| Average equity | $54,265,670 | 1,311 |
| Average total loans | $548,246,000 | 764 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9997% | 1,885 |
| Cost of funding earning assets | 1.1366% | 1,230 |
| Net interest margin | 3.8632% | 3,083 |
| Noninterest income to average assets | 0.7874% | 2,225 |
| Noninterest expense to average assets | 4.2932% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0299% | 6,366 |
| Return on assets (ROA) | 0.0299% | 6,481 |
| Pretax return on assets | 0.0299% | 6,484 |
| Return on Equity (ROE) | 0.4288% | 6,454 |
| Retained earnings to average equity (ytd only) | 0.4288% | 5,855 |
| Net charge-offs to loans | 0.4960% | 1,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0880% | 4,322 |
| Efficiency ratio | 99.3091% | 580 |
| Assets per employee ($millions) | 3.3887% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6794% | 3,429 |
| Loan loss allowance to noncurrent loans | 41.7303% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 5.4266% | 915 |
| Noncurrent loans to loans | 4.0245% | 1,519 |
| Net loans and leases to total assets | 66.2029% | 2,432 |
| Net loans and leases to deposits | 82.5940% | 1,847 |
| Net loans and leases to core deposits | 85.7493% | 2,321 |
| Total domestic deposits to total assets | 80.1546% | 5,821 |
| Equity capital to assets | 6.8811% | 6,956 |
| Core capital (leverage) ratio | 6.8821% | 6,881 |
| Tier 1 risk-based capital ratio | 9.5254% | 6,963 |
| Total risk-based capital ratio | 10.7800% | 6,956 |
| Memoranda: | ||
| Average total assets | $776,755,000 | 854 |
| Average earning assets | $710,920,500 | 849 |
| Average equity | $54,100,000 | 1,304 |
| Average total loans | $531,465,000 | 786 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7203% | 4,168 |
| Cost of funding earning assets | 1.4279% | 927 |
| Net interest margin | 3.2924% | 5,827 |
| Noninterest income to average assets | 1.0695% | 1,168 |
| Noninterest expense to average assets | 4.2879% | 728 |
| Loan and lease loss provision to assets | -0.0247% | 7,228 |
| Net operating income to assets | -0.1685% | 6,223 |
| Return on assets (ROA) | -0.1685% | 6,299 |
| Pretax return on assets | -0.1685% | 6,261 |
| Return on Equity (ROE) | -2.5093% | 6,369 |
| Retained earnings to average equity (ytd only) | -2.5093% | 6,215 |
| Net charge-offs to loans | 1.4847% | 1,082 |
| Credit loss provision to net charge-offs | -2.5553% | 6,597 |
| Earnings coverage of net charge-offs (x) | -0.1998% | 5,956 |
| Efficiency ratio | 104.6620% | 548 |
| Assets per employee ($millions) | 3.2364% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 2,807 |
| Loan loss allowance to noncurrent loans | 41.8576% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 5.8858% | 842 |
| Noncurrent loans to loans | 4.3473% | 1,394 |
| Net loans and leases to total assets | 68.2893% | 2,338 |
| Net loans and leases to deposits | 85.1051% | 1,792 |
| Net loans and leases to core deposits | 88.8079% | 2,273 |
| Total domestic deposits to total assets | 80.2411% | 5,675 |
| Equity capital to assets | 7.0522% | 6,951 |
| Core capital (leverage) ratio | 6.6754% | 6,945 |
| Tier 1 risk-based capital ratio | 10.0187% | 6,853 |
| Total risk-based capital ratio | 11.2759% | 6,838 |
| Memoranda: | ||
| Average total assets | $809,342,200 | 808 |
| Average earning assets | $743,657,400 | 797 |
| Average equity | $54,357,400 | 1,250 |
| Average total loans | $527,184,000 | 792 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7790% | 4,107 |
| Cost of funding earning assets | 1.4241% | 1,132 |
| Net interest margin | 3.3549% | 5,700 |
| Noninterest income to average assets | 1.0942% | 1,115 |
| Noninterest expense to average assets | 4.3887% | 642 |
| Loan and lease loss provision to assets | -0.0325% | 7,316 |
| Net operating income to assets | -0.1732% | 6,357 |
| Return on assets (ROA) | -0.1732% | 6,433 |
| Pretax return on assets | -0.1732% | 6,388 |
| Return on Equity (ROE) | -2.6085% | 6,531 |
| Retained earnings to average equity (ytd only) | -2.6085% | 6,368 |
| Net charge-offs to loans | 1.3228% | 1,156 |
| Credit loss provision to net charge-offs | -3.8270% | 6,398 |
| Earnings coverage of net charge-offs (x) | -0.2424% | 5,741 |
| Efficiency ratio | 104.8419% | 528 |
| Assets per employee ($millions) | 3.5114% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3606% | 1,601 |
| Loan loss allowance to noncurrent loans | 41.2809% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 5.9573% | 897 |
| Noncurrent loans to loans | 5.7184% | 1,004 |
| Net loans and leases to total assets | 62.0803% | 3,704 |
| Net loans and leases to deposits | 76.2390% | 3,293 |
| Net loans and leases to core deposits | 78.8196% | 3,790 |
| Total domestic deposits to total assets | 81.4285% | 5,283 |
| Equity capital to assets | 6.6651% | 7,110 |
| Core capital (leverage) ratio | 6.4750% | 7,078 |
| Tier 1 risk-based capital ratio | 10.3169% | 6,853 |
| Total risk-based capital ratio | 11.5788% | 6,836 |
| Memoranda: | ||
| Average total assets | $821,541,500 | 802 |
| Average earning assets | $756,404,750 | 791 |
| Average equity | $54,538,000 | 1,245 |
| Average total loans | $526,730,750 | 803 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 4,731 |
| Cost of funding earning assets | 1.3395% | 1,702 |
| Net interest margin | 3.3160% | 5,812 |
| Noninterest income to average assets | 1.2376% | 826 |
| Noninterest expense to average assets | 4.4348% | 642 |
| Loan and lease loss provision to assets | -0.1214% | 7,430 |
| Net operating income to assets | -0.0187% | 6,254 |
| Return on assets (ROA) | -0.0187% | 6,321 |
| Pretax return on assets | -0.0187% | 6,281 |
| Return on Equity (ROE) | -0.2820% | 6,332 |
| Retained earnings to average equity (ytd only) | -0.2820% | 5,902 |
| Net charge-offs to loans | 1.7898% | 785 |
| Credit loss provision to net charge-offs | -10.5485% | 6,179 |
| Earnings coverage of net charge-offs (x) | -0.1217% | 5,361 |
| Efficiency ratio | 103.1655% | 628 |
| Assets per employee ($millions) | 3.5973% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3751% | 1,632 |
| Loan loss allowance to noncurrent loans | 36.7869% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 6.0465% | 927 |
| Noncurrent loans to loans | 6.4564% | 868 |
| Net loans and leases to total assets | 61.6672% | 3,955 |
| Net loans and leases to deposits | 75.8126% | 3,514 |
| Net loans and leases to core deposits | 78.2099% | 4,029 |
| Total domestic deposits to total assets | 81.3416% | 5,410 |
| Equity capital to assets | 6.7060% | 7,154 |
| Core capital (leverage) ratio | 6.7879% | 7,057 |
| Tier 1 risk-based capital ratio | 10.5553% | 6,771 |
| Total risk-based capital ratio | 11.8198% | 6,759 |
| Memoranda: | ||
| Average total assets | $823,839,330 | 811 |
| Average earning assets | $759,537,000 | 798 |
| Average equity | $54,618,330 | 1,234 |
| Average total loans | $529,653,330 | 813 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 4,592 |
| Cost of funding earning assets | 1.3555% | 1,850 |
| Net interest margin | 3.3285% | 5,682 |
| Noninterest income to average assets | 1.6602% | 494 |
| Noninterest expense to average assets | 4.2760% | 742 |
| Loan and lease loss provision to assets | 0.2433% | 3,236 |
| Net operating income to assets | 0.2092% | 5,760 |
| Return on assets (ROA) | 0.2092% | 5,819 |
| Pretax return on assets | 0.2092% | 5,919 |
| Return on Equity (ROE) | 3.1743% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.1743% | 4,267 |
| Net charge-offs to loans | 1.3789% | 997 |
| Credit loss provision to net charge-offs | 27.2035% | 4,162 |
| Earnings coverage of net charge-offs (x) | 0.5060% | 4,238 |
| Efficiency ratio | 90.3581% | 1,306 |
| Assets per employee ($millions) | 3.4118% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2312% | 754 |
| Loan loss allowance to noncurrent loans | 38.4461% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 7.2755% | 711 |
| Noncurrent loans to loans | 8.4044% | 565 |
| Net loans and leases to total assets | 62.5371% | 3,748 |
| Net loans and leases to deposits | 77.8527% | 3,080 |
| Net loans and leases to core deposits | 81.2145% | 3,572 |
| Total domestic deposits to total assets | 80.3274% | 5,858 |
| Equity capital to assets | 6.9630% | 7,093 |
| Core capital (leverage) ratio | 6.7078% | 7,114 |
| Tier 1 risk-based capital ratio | 10.6361% | 6,728 |
| Total risk-based capital ratio | 11.9098% | 6,703 |
| Memoranda: | ||
| Average total assets | $822,072,000 | 819 |
| Average earning assets | $757,812,500 | 810 |
| Average equity | $54,185,500 | 1,234 |
| Average total loans | $533,164,500 | 810 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 3,330 |
| Cost of funding earning assets | 1.6931% | 1,635 |
| Net interest margin | 3.5626% | 4,988 |
| Noninterest income to average assets | 0.7576% | 2,498 |
| Noninterest expense to average assets | 4.6566% | 568 |
| Loan and lease loss provision to assets | 0.7586% | 2,160 |
| Net operating income to assets | -1.3859% | 6,867 |
| Return on assets (ROA) | -0.9494% | 6,689 |
| Pretax return on assets | -0.9494% | 6,605 |
| Return on Equity (ROE) | -13.6650% | 6,869 |
| Retained earnings to average equity (ytd only) | -13.6650% | 6,825 |
| Net charge-offs to loans | 1.5892% | 1,372 |
| Credit loss provision to net charge-offs | 69.0112% | 5,891 |
| Earnings coverage of net charge-offs (x) | -0.5706% | 6,482 |
| Efficiency ratio | 115.4377% | 458 |
| Assets per employee ($millions) | 3.4792% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1444% | 769 |
| Loan loss allowance to noncurrent loans | 36.4746% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 6.5662% | 863 |
| Noncurrent loans to loans | 8.6209% | 563 |
| Net loans and leases to total assets | 63.0193% | 4,068 |
| Net loans and leases to deposits | 79.7215% | 3,219 |
| Net loans and leases to core deposits | 82.9415% | 3,755 |
| Total domestic deposits to total assets | 79.0493% | 6,065 |
| Equity capital to assets | 6.2548% | 7,302 |
| Core capital (leverage) ratio | 5.8568% | 7,325 |
| Tier 1 risk-based capital ratio | 10.1116% | 6,929 |
| Total risk-based capital ratio | 11.3870% | 6,891 |
| Memoranda: | ||
| Average total assets | $920,850,200 | 730 |
| Average earning assets | $845,664,400 | 719 |
| Average equity | $63,980,800 | 1,041 |
| Average total loans | $636,987,800 | 692 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4738% | 2,542 |
| Cost of funding earning assets | 1.7102% | 1,817 |
| Net interest margin | 3.7636% | 4,117 |
| Noninterest income to average assets | 0.7361% | 2,604 |
| Noninterest expense to average assets | 4.5175% | 574 |
| Loan and lease loss provision to assets | 0.7264% | 2,102 |
| Net operating income to assets | -1.0565% | 6,931 |
| Return on assets (ROA) | -0.4837% | 6,622 |
| Pretax return on assets | -0.4837% | 6,537 |
| Return on Equity (ROE) | -6.8045% | 6,776 |
| Retained earnings to average equity (ytd only) | -6.8045% | 6,698 |
| Net charge-offs to loans | 1.5996% | 1,232 |
| Credit loss provision to net charge-offs | 64.7605% | 5,569 |
| Earnings coverage of net charge-offs (x) | -0.2943% | 6,241 |
| Efficiency ratio | 107.7648% | 563 |
| Assets per employee ($millions) | 3.4584% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8507% | 962 |
| Loan loss allowance to noncurrent loans | 30.8157% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 6.7340% | 830 |
| Noncurrent loans to loans | 9.2509% | 503 |
| Net loans and leases to total assets | 64.3248% | 4,059 |
| Net loans and leases to deposits | 81.3979% | 3,201 |
| Net loans and leases to core deposits | 86.0496% | 3,645 |
| Total domestic deposits to total assets | 79.0252% | 6,011 |
| Equity capital to assets | 6.2520% | 7,455 |
| Core capital (leverage) ratio | 6.1419% | 7,414 |
| Tier 1 risk-based capital ratio | 10.1708% | 6,971 |
| Total risk-based capital ratio | 11.4437% | 6,939 |
| Memoranda: | ||
| Average total assets | $935,354,750 | 716 |
| Average earning assets | $857,738,000 | 704 |
| Average equity | $66,484,000 | 1,006 |
| Average total loans | $655,883,750 | 666 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5524% | 2,324 |
| Cost of funding earning assets | 1.6738% | 2,268 |
| Net interest margin | 3.8786% | 3,546 |
| Noninterest income to average assets | 0.7346% | 2,487 |
| Noninterest expense to average assets | 4.4695% | 596 |
| Loan and lease loss provision to assets | 2.3105% | 505 |
| Net operating income to assets | -2.5000% | 7,419 |
| Return on assets (ROA) | -2.3353% | 7,397 |
| Pretax return on assets | -2.3353% | 7,329 |
| Return on Equity (ROE) | -31.5535% | 7,451 |
| Retained earnings to average equity (ytd only) | -31.5535% | 7,440 |
| Net charge-offs to loans | 1.9933% | 910 |
| Credit loss provision to net charge-offs | 162.2128% | 2,431 |
| Earnings coverage of net charge-offs (x) | -0.1330% | 5,830 |
| Efficiency ratio | 104.3209% | 674 |
| Assets per employee ($millions) | 3.3957% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8560% | 950 |
| Loan loss allowance to noncurrent loans | 40.5616% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 5.8758% | 1,015 |
| Noncurrent loans to loans | 7.0412% | 804 |
| Net loans and leases to total assets | 69.4319% | 3,032 |
| Net loans and leases to deposits | 90.2685% | 1,810 |
| Net loans and leases to core deposits | 96.6018% | 2,378 |
| Total domestic deposits to total assets | 76.9171% | 6,526 |
| Equity capital to assets | 7.0449% | 7,331 |
| Core capital (leverage) ratio | 6.3504% | 7,420 |
| Tier 1 risk-based capital ratio | 9.5109% | 7,259 |
| Total risk-based capital ratio | 10.7841% | 7,249 |
| Memoranda: | ||
| Average total assets | $928,964,000 | 716 |
| Average earning assets | $849,182,000 | 708 |
| Average equity | $68,753,000 | 969 |
| Average total loans | $663,840,000 | 660 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6864% | 1,827 |
| Cost of funding earning assets | 1.7153% | 2,314 |
| Net interest margin | 3.9711% | 2,993 |
| Noninterest income to average assets | 0.6594% | 2,883 |
| Noninterest expense to average assets | 4.0467% | 965 |
| Loan and lease loss provision to assets | 0.4050% | 2,939 |
| Net operating income to assets | -0.1502% | 6,480 |
| Return on assets (ROA) | 0.0260% | 6,340 |
| Pretax return on assets | 0.0260% | 6,305 |
| Return on Equity (ROE) | 0.3435% | 6,322 |
| Retained earnings to average equity (ytd only) | 0.3435% | 5,699 |
| Net charge-offs to loans | 0.3281% | 3,091 |
| Credit loss provision to net charge-offs | 172.7778% | 2,101 |
| Earnings coverage of net charge-offs (x) | 1.0870% | 4,114 |
| Efficiency ratio | 93.9752% | 1,135 |
| Assets per employee ($millions) | 3.0702% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3969% | 1,425 |
| Loan loss allowance to noncurrent loans | 38.8083% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 5.3841% | 1,158 |
| Noncurrent loans to loans | 6.1761% | 1,052 |
| Net loans and leases to total assets | 70.6181% | 2,777 |
| Net loans and leases to deposits | 94.9048% | 1,244 |
| Net loans and leases to core deposits | 100.8733% | 2,045 |
| Total domestic deposits to total assets | 74.4094% | 6,991 |
| Equity capital to assets | 8.4998% | 6,003 |
| Core capital (leverage) ratio | 7.5711% | 6,771 |
| Tier 1 risk-based capital ratio | 11.0870% | 6,076 |
| Total risk-based capital ratio | 12.3525% | 6,027 |
| Memoranda: | ||
| Average total assets | $921,439,000 | 740 |
| Average earning assets | $845,111,500 | 730 |
| Average equity | $69,877,000 | 960 |
| Average total loans | $658,401,500 | 686 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7293% | 2,965 |
| Cost of funding earning assets | 2.0997% | 2,463 |
| Net interest margin | 3.6297% | 4,433 |
| Noninterest income to average assets | 0.6612% | 3,212 |
| Noninterest expense to average assets | 4.5818% | 731 |
| Loan and lease loss provision to assets | 2.1765% | 959 |
| Net operating income to assets | -2.7527% | 7,336 |
| Return on assets (ROA) | -2.7256% | 7,338 |
| Pretax return on assets | -2.7256% | 7,219 |
| Return on Equity (ROE) | -32.9313% | 7,452 |
| Retained earnings to average equity (ytd only) | -34.9940% | 7,477 |
| Net charge-offs to loans | 1.1540% | 2,122 |
| Credit loss provision to net charge-offs | 266.2456% | 1,316 |
| Earnings coverage of net charge-offs (x) | -0.7048% | 6,809 |
| Efficiency ratio | 98.8774% | 1,158 |
| Assets per employee ($millions) | 3.2080% | 5,708 |
| Cash dividends to net income (ytd only)* | -6.2638% | 7,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1115% | 706 |
| Loan loss allowance to noncurrent loans | 45.7819% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 5.6041% | 1,038 |
| Noncurrent loans to loans | 6.7964% | 854 |
| Net loans and leases to total assets | 68.4055% | 3,608 |
| Net loans and leases to deposits | 92.8008% | 1,767 |
| Net loans and leases to core deposits | 119.0572% | 2,027 |
| Total domestic deposits to total assets | 73.7122% | 7,055 |
| Equity capital to assets | 6.7154% | 7,496 |
| Core capital (leverage) ratio | 6.7104% | 7,406 |
| Tier 1 risk-based capital ratio | 9.9547% | 6,914 |
| Total risk-based capital ratio | 11.2300% | 6,863 |
| Memoranda: | ||
| Average total assets | $929,570,200 | 724 |
| Average earning assets | $856,522,000 | 707 |
| Average equity | $76,936,000 | 838 |
| Average total loans | $658,474,400 | 710 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7791% | 2,990 |
| Cost of funding earning assets | 2.1702% | 2,555 |
| Net interest margin | 3.6089% | 4,445 |
| Noninterest income to average assets | 0.6730% | 3,199 |
| Noninterest expense to average assets | 3.7999% | 1,586 |
| Loan and lease loss provision to assets | 0.7665% | 2,454 |
| Net operating income to assets | -0.5677% | 6,497 |
| Return on assets (ROA) | -0.4629% | 6,393 |
| Pretax return on assets | -0.4629% | 6,257 |
| Return on Equity (ROE) | -5.3361% | 6,486 |
| Retained earnings to average equity (ytd only) | -7.9717% | 6,598 |
| Net charge-offs to loans | 0.7574% | 2,466 |
| Credit loss provision to net charge-offs | 142.7422% | 3,429 |
| Earnings coverage of net charge-offs (x) | 0.3703% | 5,654 |
| Efficiency ratio | 94.9159% | 1,337 |
| Assets per employee ($millions) | 3.0717% | 5,983 |
| Cash dividends to net income (ytd only)* | -49.3932% | 7,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 3,697 |
| Loan loss allowance to noncurrent loans | 52.2172% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 2.8633% | 2,433 |
| Noncurrent loans to loans | 2.7742% | 2,739 |
| Net loans and leases to total assets | 70.1127% | 3,486 |
| Net loans and leases to deposits | 89.2982% | 2,719 |
| Net loans and leases to core deposits | 109.9913% | 3,239 |
| Total domestic deposits to total assets | 78.5152% | 5,947 |
| Equity capital to assets | 9.2165% | 5,140 |
| Core capital (leverage) ratio | 8.3564% | 5,739 |
| Tier 1 risk-based capital ratio | 12.6710% | 4,416 |
| Total risk-based capital ratio | 13.9249% | 4,365 |
| Memoranda: | ||
| Average total assets | $925,369,500 | 741 |
| Average earning assets | $852,751,750 | 721 |
| Average equity | $80,281,750 | 817 |
| Average total loans | $656,052,750 | 732 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5563% | 4,306 |
| Cost of funding earning assets | 2.1949% | 2,819 |
| Net interest margin | 3.3614% | 5,312 |
| Noninterest income to average assets | 0.6644% | 3,237 |
| Noninterest expense to average assets | 3.7436% | 1,755 |
| Loan and lease loss provision to assets | 0.6587% | 2,453 |
| Net operating income to assets | -0.6389% | 6,696 |
| Return on assets (ROA) | -0.4836% | 6,541 |
| Pretax return on assets | -0.4836% | 6,410 |
| Return on Equity (ROE) | -5.6965% | 6,678 |
| Retained earnings to average equity (ytd only) | -9.7669% | 6,850 |
| Net charge-offs to loans | 0.6981% | 2,308 |
| Credit loss provision to net charge-offs | 133.2599% | 3,502 |
| Earnings coverage of net charge-offs (x) | 0.0401% | 5,638 |
| Efficiency ratio | 99.3462% | 1,207 |
| Assets per employee ($millions) | 3.4523% | 4,939 |
| Cash dividends to net income (ytd only)* | -71.4543% | 8,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 4,160 |
| Loan loss allowance to noncurrent loans | 70.5008% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 2.0532% | 3,126 |
| Noncurrent loans to loans | 1.8724% | 3,698 |
| Net loans and leases to total assets | 68.6751% | 4,027 |
| Net loans and leases to deposits | 85.2606% | 3,689 |
| Net loans and leases to core deposits | 105.5111% | 3,897 |
| Total domestic deposits to total assets | 80.5473% | 5,249 |
| Equity capital to assets | 8.8196% | 5,566 |
| Core capital (leverage) ratio | 8.8235% | 4,906 |
| Tier 1 risk-based capital ratio | 13.3639% | 3,889 |
| Total risk-based capital ratio | 14.6166% | 3,826 |
| Memoranda: | ||
| Average total assets | $918,469,000 | 764 |
| Average earning assets | $846,779,330 | 746 |
| Average equity | $77,977,330 | 850 |
| Average total loans | $650,381,670 | 759 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5490% | 4,643 |
| Cost of funding earning assets | 2.2764% | 2,810 |
| Net interest margin | 3.2726% | 5,610 |
| Noninterest income to average assets | 0.6618% | 3,119 |
| Noninterest expense to average assets | 3.7031% | 1,653 |
| Loan and lease loss provision to assets | 0.7577% | 1,699 |
| Net operating income to assets | -0.7815% | 7,115 |
| Return on assets (ROA) | -0.4620% | 6,899 |
| Pretax return on assets | -0.4620% | 6,793 |
| Return on Equity (ROE) | -5.5590% | 7,026 |
| Retained earnings to average equity (ytd only) | -14.1158% | 7,386 |
| Net charge-offs to loans | 0.6708% | 1,841 |
| Credit loss provision to net charge-offs | 158.0374% | 2,671 |
| Earnings coverage of net charge-offs (x) | -0.0495% | 5,025 |
| Efficiency ratio | 100.5237% | 1,109 |
| Assets per employee ($millions) | 3.0092% | 6,127 |
| Cash dividends to net income (ytd only)* | -153.9282% | 8,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 3,592 |
| Loan loss allowance to noncurrent loans | 48.2096% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 2.6787% | 2,129 |
| Noncurrent loans to loans | 2.8695% | 2,277 |
| Net loans and leases to total assets | 70.9722% | 3,475 |
| Net loans and leases to deposits | 88.7334% | 3,149 |
| Net loans and leases to core deposits | 109.7276% | 3,468 |
| Total domestic deposits to total assets | 79.9836% | 5,378 |
| Equity capital to assets | 8.2344% | 6,490 |
| Core capital (leverage) ratio | 7.5267% | 7,126 |
| Tier 1 risk-based capital ratio | 10.9197% | 5,972 |
| Total risk-based capital ratio | 12.1726% | 5,880 |
| Memoranda: | ||
| Average total assets | $892,654,500 | 789 |
| Average earning assets | $823,068,000 | 773 |
| Average equity | $74,186,500 | 902 |
| Average total loans | $638,008,500 | 776 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5495% | 2,721 |
| Cost of funding earning assets | 2.5513% | 3,950 |
| Net interest margin | 3.9983% | 3,118 |
| Noninterest income to average assets | 0.6153% | 3,741 |
| Noninterest expense to average assets | 3.5608% | 2,234 |
| Loan and lease loss provision to assets | 0.3220% | 3,801 |
| Net operating income to assets | 0.4346% | 5,013 |
| Return on assets (ROA) | 0.7218% | 3,624 |
| Pretax return on assets | 0.7218% | 4,326 |
| Return on Equity (ROE) | 8.6996% | 2,754 |
| Retained earnings to average equity (ytd only) | 0.1259% | 5,159 |
| Net charge-offs to loans | 0.4465% | 2,597 |
| Credit loss provision to net charge-offs | 102.6504% | 5,193 |
| Earnings coverage of net charge-offs (x) | 2.4119% | 4,870 |
| Efficiency ratio | 82.3271% | 2,262 |
| Assets per employee ($millions) | 4.3865% | 2,817 |
| Cash dividends to net income (ytd only)* | 98.5523% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 3,979 |
| Loan loss allowance to noncurrent loans | 50.2960% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 2.3735% | 2,045 |
| Noncurrent loans to loans | 2.5282% | 2,150 |
| Net loans and leases to total assets | 70.0879% | 3,998 |
| Net loans and leases to deposits | 89.9284% | 3,469 |
| Net loans and leases to core deposits | 111.5355% | 3,612 |
| Total domestic deposits to total assets | 77.9374% | 5,733 |
| Equity capital to assets | 8.3853% | 6,282 |
| Core capital (leverage) ratio | 7.8478% | 6,728 |
| Tier 1 risk-based capital ratio | 11.3548% | 5,382 |
| Total risk-based capital ratio | 12.5881% | 5,306 |
| Memoranda: | ||
| Average total assets | $890,030,000 | 756 |
| Average earning assets | $824,103,600 | 735 |
| Average equity | $73,842,200 | 898 |
| Average total loans | $625,326,200 | 763 |