Home > First Place Bank > Performance and Condition Ratios
First Place Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 4,341 |
| Cost of funding earning assets | 0.2975% | 5,618 |
| Net interest margin | 3.6361% | 3,302 |
| Noninterest income to average assets | 3.9807% | 167 |
| Noninterest expense to average assets | 5.4750% | 249 |
| Loan and lease loss provision to assets | 0.7069% | 323 |
| Net operating income to assets | 1.2104% | 1,525 |
| Return on assets (ROA) | 1.2098% | 1,602 |
| Pretax return on assets | 0.9998% | 3,344 |
| Return on Equity (ROE) | 10.8471% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.8471% | 440 |
| Net charge-offs to loans | 0.4763% | 1,398 |
| Credit loss provision to net charge-offs | 214.5622% | 1,075 |
| Earnings coverage of net charge-offs (x) | 5.1821% | 3,361 |
| Efficiency ratio | 75.3373% | 2,892 |
| Assets per employee ($millions) | 3.2799% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 6,483 |
| Loan loss allowance to noncurrent loans | 16.3805% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 3.3727% | 891 |
| Noncurrent loans to loans | 3.6241% | 840 |
| Net loans and leases to total assets | 70.9060% | 1,853 |
| Net loans and leases to deposits | 89.9259% | 1,245 |
| Net loans and leases to core deposits | 92.7584% | 1,699 |
| Total domestic deposits to total assets | 78.8494% | 5,680 |
| Equity capital to assets | 14.3593% | 813 |
| Core capital (leverage) ratio | 11.6907% | 1,835 |
| Tier 1 risk-based capital ratio | 15.3016% | 3,478 |
| Total risk-based capital ratio | 15.9324% | 3,792 |
| Memoranda: | ||
| Average total assets | $2,509,718,600 | 293 |
| Average earning assets | $2,209,714,000 | 295 |
| Average equity | $279,919,400 | 294 |
| Average total loans | $1,735,699,600 | 277 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 4,750 |
| Cost of funding earning assets | 0.3010% | 5,729 |
| Net interest margin | 3.5240% | 3,781 |
| Noninterest income to average assets | 4.1219% | 169 |
| Noninterest expense to average assets | 5.5699% | 244 |
| Loan and lease loss provision to assets | 0.5580% | 463 |
| Net operating income to assets | 1.0568% | 2,161 |
| Return on assets (ROA) | 1.0561% | 2,249 |
| Pretax return on assets | 1.1132% | 3,057 |
| Return on Equity (ROE) | 10.0982% | 2,141 |
| Retained earnings to average equity (ytd only) | 10.0982% | 768 |
| Net charge-offs to loans | 0.2941% | 2,066 |
| Credit loss provision to net charge-offs | 276.2161% | 922 |
| Earnings coverage of net charge-offs (x) | 8.2762% | 2,646 |
| Efficiency ratio | 76.0506% | 2,721 |
| Assets per employee ($millions) | 3.3718% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4062% | 6,718 |
| Loan loss allowance to noncurrent loans | 11.0928% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 3.1219% | 1,167 |
| Noncurrent loans to loans | 3.6615% | 1,011 |
| Net loans and leases to total assets | 67.5501% | 2,361 |
| Net loans and leases to deposits | 91.0814% | 1,056 |
| Net loans and leases to core deposits | 94.1024% | 1,565 |
| Total domestic deposits to total assets | 74.1645% | 6,359 |
| Equity capital to assets | 12.5057% | 1,575 |
| Core capital (leverage) ratio | 10.1212% | 3,496 |
| Tier 1 risk-based capital ratio | 14.8318% | 3,856 |
| Total risk-based capital ratio | 15.3121% | 4,330 |
| Memoranda: | ||
| Average total assets | $2,577,928,750 | 289 |
| Average earning assets | $2,282,312,000 | 291 |
| Average equity | $269,599,250 | 300 |
| Average total loans | $1,770,736,250 | 274 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 4,832 |
| Cost of funding earning assets | 0.3051% | 5,792 |
| Net interest margin | 3.4952% | 3,795 |
| Noninterest income to average assets | 4.8238% | 153 |
| Noninterest expense to average assets | 5.6273% | 246 |
| Loan and lease loss provision to assets | 0.4803% | 585 |
| Net operating income to assets | 1.2067% | 1,580 |
| Return on assets (ROA) | 1.2060% | 1,683 |
| Pretax return on assets | 1.8233% | 887 |
| Return on Equity (ROE) | 12.3025% | 1,404 |
| Retained earnings to average equity (ytd only) | 12.3025% | 447 |
| Net charge-offs to loans | 0.3392% | 1,829 |
| Credit loss provision to net charge-offs | 205.3185% | 1,168 |
| Earnings coverage of net charge-offs (x) | 9.8526% | 2,227 |
| Efficiency ratio | 70.1665% | 3,795 |
| Assets per employee ($millions) | 3.0522% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1788% | 6,845 |
| Loan loss allowance to noncurrent loans | 6.0459% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 2.6217% | 1,596 |
| Noncurrent loans to loans | 2.9579% | 1,510 |
| Net loans and leases to total assets | 68.6988% | 2,106 |
| Net loans and leases to deposits | 93.1071% | 873 |
| Net loans and leases to core deposits | 96.1182% | 1,345 |
| Total domestic deposits to total assets | 73.7847% | 6,456 |
| Equity capital to assets | 11.8143% | 2,033 |
| Core capital (leverage) ratio | 10.0296% | 3,469 |
| Tier 1 risk-based capital ratio | 14.5571% | 4,063 |
| Total risk-based capital ratio | 14.8350% | 4,678 |
| Memoranda: | ||
| Average total assets | $2,604,407,670 | 287 |
| Average earning assets | $2,315,945,670 | 289 |
| Average equity | $255,314,330 | 311 |
| Average total loans | $1,796,109,670 | 272 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 5,607 |
| Cost of funding earning assets | 0.3148% | 5,850 |
| Net interest margin | 3.2263% | 4,820 |
| Noninterest income to average assets | 4.6437% | 162 |
| Noninterest expense to average assets | 5.8594% | 222 |
| Loan and lease loss provision to assets | 0.3078% | 1,110 |
| Net operating income to assets | 0.9040% | 2,636 |
| Return on assets (ROA) | 0.9025% | 2,791 |
| Pretax return on assets | 1.3564% | 2,020 |
| Return on Equity (ROE) | 10.2604% | 1,968 |
| Retained earnings to average equity (ytd only) | 10.2604% | 1,042 |
| Net charge-offs to loans | 0.3214% | 1,677 |
| Credit loss provision to net charge-offs | 138.7119% | 1,444 |
| Earnings coverage of net charge-offs (x) | 7.5104% | 2,059 |
| Efficiency ratio | 77.0376% | 2,757 |
| Assets per employee ($millions) | 3.1073% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0325% | 6,955 |
| Loan loss allowance to noncurrent loans | 1.4395% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 2.1554% | 2,176 |
| Noncurrent loans to loans | 2.2579% | 2,321 |
| Net loans and leases to total assets | 65.7146% | 2,421 |
| Net loans and leases to deposits | 84.0523% | 1,592 |
| Net loans and leases to core deposits | 87.4287% | 1,970 |
| Total domestic deposits to total assets | 78.1831% | 6,088 |
| Equity capital to assets | 11.5370% | 2,377 |
| Core capital (leverage) ratio | 9.3292% | 4,355 |
| Tier 1 risk-based capital ratio | 15.4763% | 3,539 |
| Total risk-based capital ratio | 15.6125% | 4,227 |
| Memoranda: | ||
| Average total assets | $2,603,333,500 | 291 |
| Average earning assets | $2,325,530,000 | 293 |
| Average equity | $228,998,000 | 344 |
| Average total loans | $1,797,224,000 | 276 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 3,361 |
| Cost of funding earning assets | 0.9145% | 1,851 |
| Net interest margin | 3.5939% | 4,110 |
| Noninterest income to average assets | 3.3428% | 219 |
| Noninterest expense to average assets | 4.8106% | 434 |
| Loan and lease loss provision to assets | 1.0442% | 377 |
| Net operating income to assets | 0.7234% | 3,629 |
| Return on assets (ROA) | 0.9697% | 2,696 |
| Pretax return on assets | 0.9718% | 3,650 |
| Return on Equity (ROE) | 17.6880% | 469 |
| Retained earnings to average equity (ytd only) | 17.6880% | 83 |
| Net charge-offs to loans | 1.5688% | 554 |
| Credit loss provision to net charge-offs | 88.1586% | 3,546 |
| Earnings coverage of net charge-offs (x) | 1.4941% | 4,694 |
| Efficiency ratio | 72.3381% | 3,356 |
| Assets per employee ($millions) | 3.1134% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7206% | 350 |
| Loan loss allowance to noncurrent loans | 72.3777% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 4.6077% | 885 |
| Noncurrent loans to loans | 5.1406% | 757 |
| Net loans and leases to total assets | 69.6756% | 1,906 |
| Net loans and leases to deposits | 85.0599% | 1,628 |
| Net loans and leases to core deposits | 88.8204% | 1,992 |
| Total domestic deposits to total assets | 81.9135% | 5,131 |
| Equity capital to assets | 6.0282% | 6,891 |
| Core capital (leverage) ratio | 6.1077% | 6,848 |
| Tier 1 risk-based capital ratio | 9.5034% | 6,802 |
| Total risk-based capital ratio | 10.7908% | 6,783 |
| Memoranda: | ||
| Average total assets | $2,656,514,400 | 275 |
| Average earning assets | $2,393,038,600 | 272 |
| Average equity | $145,630,000 | 498 |
| Average total loans | $2,005,736,600 | 246 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 3,323 |
| Cost of funding earning assets | 0.9355% | 1,953 |
| Net interest margin | 3.6368% | 4,070 |
| Noninterest income to average assets | 3.6181% | 199 |
| Noninterest expense to average assets | 4.7481% | 444 |
| Loan and lease loss provision to assets | 1.0260% | 392 |
| Net operating income to assets | 0.9326% | 2,827 |
| Return on assets (ROA) | 1.0139% | 2,666 |
| Pretax return on assets | 1.2208% | 2,911 |
| Return on Equity (ROE) | 18.9533% | 397 |
| Retained earnings to average equity (ytd only) | 18.9533% | 96 |
| Net charge-offs to loans | 1.5961% | 523 |
| Credit loss provision to net charge-offs | 84.2895% | 3,490 |
| Earnings coverage of net charge-offs (x) | 1.7653% | 4,386 |
| Efficiency ratio | 68.0962% | 4,039 |
| Assets per employee ($millions) | 3.1010% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5844% | 434 |
| Loan loss allowance to noncurrent loans | 57.7573% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 5.4390% | 790 |
| Noncurrent loans to loans | 6.2059% | 639 |
| Net loans and leases to total assets | 71.5705% | 1,632 |
| Net loans and leases to deposits | 88.0427% | 1,342 |
| Net loans and leases to core deposits | 91.9641% | 1,785 |
| Total domestic deposits to total assets | 81.2908% | 5,269 |
| Equity capital to assets | 5.9290% | 6,993 |
| Core capital (leverage) ratio | 5.8250% | 6,959 |
| Tier 1 risk-based capital ratio | 8.7708% | 6,962 |
| Total risk-based capital ratio | 10.0560% | 6,963 |
| Memoranda: | ||
| Average total assets | $2,673,063,000 | 273 |
| Average earning assets | $2,409,919,250 | 271 |
| Average equity | $143,000,250 | 505 |
| Average total loans | $2,038,529,250 | 242 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 3,806 |
| Cost of funding earning assets | 0.9569% | 2,018 |
| Net interest margin | 3.5344% | 4,533 |
| Noninterest income to average assets | 3.3571% | 217 |
| Noninterest expense to average assets | 4.6359% | 487 |
| Loan and lease loss provision to assets | 0.8954% | 523 |
| Net operating income to assets | 0.7553% | 3,575 |
| Return on assets (ROA) | 0.8624% | 3,342 |
| Pretax return on assets | 1.1620% | 3,077 |
| Return on Equity (ROE) | 16.7078% | 678 |
| Retained earnings to average equity (ytd only) | 16.7078% | 195 |
| Net charge-offs to loans | 1.5418% | 630 |
| Credit loss provision to net charge-offs | 75.4965% | 3,444 |
| Earnings coverage of net charge-offs (x) | 1.6127% | 4,183 |
| Efficiency ratio | 69.9905% | 3,767 |
| Assets per employee ($millions) | 3.1158% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5024% | 495 |
| Loan loss allowance to noncurrent loans | 51.8365% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 5.9150% | 727 |
| Noncurrent loans to loans | 6.7567% | 595 |
| Net loans and leases to total assets | 72.7066% | 1,444 |
| Net loans and leases to deposits | 90.0349% | 1,149 |
| Net loans and leases to core deposits | 94.2247% | 1,580 |
| Total domestic deposits to total assets | 80.7539% | 5,543 |
| Equity capital to assets | 5.5601% | 7,058 |
| Core capital (leverage) ratio | 5.4377% | 7,035 |
| Tier 1 risk-based capital ratio | 8.0076% | 7,038 |
| Total risk-based capital ratio | 9.2915% | 7,038 |
| Memoranda: | ||
| Average total assets | $2,691,661,330 | 271 |
| Average earning assets | $2,430,470,330 | 270 |
| Average equity | $138,941,000 | 517 |
| Average total loans | $2,070,428,670 | 236 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 3,867 |
| Cost of funding earning assets | 0.9720% | 2,143 |
| Net interest margin | 3.5383% | 4,530 |
| Noninterest income to average assets | 3.1918% | 217 |
| Noninterest expense to average assets | 4.7172% | 448 |
| Loan and lease loss provision to assets | 1.4083% | 258 |
| Net operating income to assets | -0.2418% | 6,665 |
| Return on assets (ROA) | -0.2418% | 6,717 |
| Pretax return on assets | 0.2664% | 6,045 |
| Return on Equity (ROE) | -4.8664% | 6,847 |
| Retained earnings to average equity (ytd only) | -4.8664% | 6,572 |
| Net charge-offs to loans | 1.8981% | 505 |
| Credit loss provision to net charge-offs | 95.5112% | 2,450 |
| Earnings coverage of net charge-offs (x) | 1.1358% | 3,766 |
| Efficiency ratio | 72.9641% | 3,261 |
| Assets per employee ($millions) | 3.2295% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4568% | 552 |
| Loan loss allowance to noncurrent loans | 42.5380% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 7.2929% | 567 |
| Noncurrent loans to loans | 8.1265% | 472 |
| Net loans and leases to total assets | 74.9091% | 933 |
| Net loans and leases to deposits | 92.3376% | 774 |
| Net loans and leases to core deposits | 97.3115% | 1,179 |
| Total domestic deposits to total assets | 81.1252% | 5,564 |
| Equity capital to assets | 4.9296% | 7,144 |
| Core capital (leverage) ratio | 4.7645% | 7,137 |
| Tier 1 risk-based capital ratio | 6.9505% | 7,135 |
| Total risk-based capital ratio | 8.2347% | 7,136 |
| Memoranda: | ||
| Average total assets | $2,719,511,000 | 266 |
| Average earning assets | $2,459,612,500 | 264 |
| Average equity | $135,130,500 | 531 |
| Average total loans | $2,112,603,000 | 232 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 3,179 |
| Cost of funding earning assets | 1.0339% | 3,130 |
| Net interest margin | 3.9016% | 3,332 |
| Noninterest income to average assets | 1.2758% | 790 |
| Noninterest expense to average assets | 3.6427% | 1,657 |
| Loan and lease loss provision to assets | 1.4402% | 530 |
| Net operating income to assets | -0.3169% | 6,357 |
| Return on assets (ROA) | -0.2667% | 6,372 |
| Pretax return on assets | -0.2338% | 6,308 |
| Return on Equity (ROE) | -4.1455% | 6,479 |
| Retained earnings to average equity (ytd only) | -4.1455% | 6,381 |
| Net charge-offs to loans | 5.1241% | 77 |
| Credit loss provision to net charge-offs | 34.8257% | 5,712 |
| Earnings coverage of net charge-offs (x) | 0.2796% | 5,620 |
| Efficiency ratio | 73.2068% | 3,359 |
| Assets per employee ($millions) | 3.2534% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2841% | 299 |
| Loan loss allowance to noncurrent loans | 54.8027% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 6.9253% | 663 |
| Noncurrent loans to loans | 7.8174% | 528 |
| Net loans and leases to total assets | 74.4433% | 1,190 |
| Net loans and leases to deposits | 91.1090% | 1,038 |
| Net loans and leases to core deposits | 94.9213% | 1,598 |
| Total domestic deposits to total assets | 81.7079% | 5,229 |
| Equity capital to assets | 5.0083% | 7,166 |
| Core capital (leverage) ratio | 4.6751% | 7,167 |
| Tier 1 risk-based capital ratio | 6.7771% | 7,170 |
| Total risk-based capital ratio | 8.0719% | 7,168 |
| Memoranda: | ||
| Average total assets | $2,898,279,200 | 247 |
| Average earning assets | $2,617,030,000 | 243 |
| Average equity | $186,465,800 | 375 |
| Average total loans | $2,339,035,200 | 211 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9946% | 3,107 |
| Cost of funding earning assets | 1.0334% | 3,441 |
| Net interest margin | 3.9612% | 3,099 |
| Noninterest income to average assets | 1.0232% | 1,287 |
| Noninterest expense to average assets | 3.4522% | 2,069 |
| Loan and lease loss provision to assets | 1.9100% | 297 |
| Net operating income to assets | -0.7731% | 6,783 |
| Return on assets (ROA) | -0.7244% | 6,801 |
| Pretax return on assets | -0.7154% | 6,743 |
| Return on Equity (ROE) | -10.7123% | 6,912 |
| Retained earnings to average equity (ytd only) | -10.7123% | 6,879 |
| Net charge-offs to loans | 6.1385% | 54 |
| Credit loss provision to net charge-offs | 38.2349% | 5,282 |
| Earnings coverage of net charge-offs (x) | 0.2294% | 5,425 |
| Efficiency ratio | 72.1545% | 3,525 |
| Assets per employee ($millions) | 3.3822% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3679% | 627 |
| Loan loss allowance to noncurrent loans | 58.5207% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 5.8260% | 932 |
| Noncurrent loans to loans | 5.7550% | 999 |
| Net loans and leases to total assets | 78.8114% | 625 |
| Net loans and leases to deposits | 97.3563% | 617 |
| Net loans and leases to core deposits | 101.8579% | 1,103 |
| Total domestic deposits to total assets | 80.9515% | 5,454 |
| Equity capital to assets | 6.4004% | 7,145 |
| Core capital (leverage) ratio | 6.0317% | 7,134 |
| Tier 1 risk-based capital ratio | 8.4587% | 7,159 |
| Total risk-based capital ratio | 9.7413% | 7,159 |
| Memoranda: | ||
| Average total assets | $2,943,708,250 | 241 |
| Average earning assets | $2,656,712,750 | 237 |
| Average equity | $199,068,750 | 359 |
| Average total loans | $2,395,590,500 | 207 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 3,123 |
| Cost of funding earning assets | 1.0515% | 3,593 |
| Net interest margin | 3.9554% | 3,067 |
| Noninterest income to average assets | 0.9534% | 1,454 |
| Noninterest expense to average assets | 3.4658% | 2,076 |
| Loan and lease loss provision to assets | 2.2421% | 249 |
| Net operating income to assets | -1.2562% | 7,019 |
| Return on assets (ROA) | -1.1838% | 7,010 |
| Pretax return on assets | -1.1189% | 6,935 |
| Return on Equity (ROE) | -17.2078% | 7,117 |
| Retained earnings to average equity (ytd only) | -17.2078% | 7,098 |
| Net charge-offs to loans | 8.4689% | 28 |
| Credit loss provision to net charge-offs | 32.5545% | 4,952 |
| Earnings coverage of net charge-offs (x) | 0.1526% | 5,187 |
| Efficiency ratio | 73.7612% | 3,402 |
| Assets per employee ($millions) | 3.2657% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3950% | 650 |
| Loan loss allowance to noncurrent loans | 59.3522% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 5.9285% | 950 |
| Noncurrent loans to loans | 5.7201% | 1,078 |
| Net loans and leases to total assets | 79.7442% | 554 |
| Net loans and leases to deposits | 101.7492% | 412 |
| Net loans and leases to core deposits | 104.9910% | 982 |
| Total domestic deposits to total assets | 78.3732% | 6,220 |
| Equity capital to assets | 6.3352% | 7,206 |
| Core capital (leverage) ratio | 5.9685% | 7,198 |
| Tier 1 risk-based capital ratio | 8.2623% | 7,231 |
| Total risk-based capital ratio | 9.5452% | 7,231 |
| Memoranda: | ||
| Average total assets | $2,967,783,670 | 240 |
| Average earning assets | $2,673,389,000 | 236 |
| Average equity | $204,163,330 | 350 |
| Average total loans | $2,413,478,330 | 209 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 3,068 |
| Cost of funding earning assets | 1.0474% | 3,872 |
| Net interest margin | 3.9618% | 2,861 |
| Noninterest income to average assets | 1.0920% | 1,102 |
| Noninterest expense to average assets | 3.2352% | 2,752 |
| Loan and lease loss provision to assets | 3.2038% | 147 |
| Net operating income to assets | -1.8128% | 7,256 |
| Return on assets (ROA) | -1.7217% | 7,245 |
| Pretax return on assets | -1.6822% | 7,211 |
| Return on Equity (ROE) | -24.1570% | 7,270 |
| Retained earnings to average equity (ytd only) | -24.1570% | 7,228 |
| Net charge-offs to loans | 15.2719% | 14 |
| Credit loss provision to net charge-offs | 25.9746% | 4,183 |
| Earnings coverage of net charge-offs (x) | 0.1160% | 4,513 |
| Efficiency ratio | 66.5237% | 4,940 |
| Assets per employee ($millions) | 3.3852% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4230% | 652 |
| Loan loss allowance to noncurrent loans | 61.0962% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 5.4528% | 1,114 |
| Noncurrent loans to loans | 5.6027% | 1,164 |
| Net loans and leases to total assets | 73.8666% | 1,370 |
| Net loans and leases to deposits | 96.4394% | 664 |
| Net loans and leases to core deposits | 99.4667% | 1,383 |
| Total domestic deposits to total assets | 76.5938% | 6,592 |
| Equity capital to assets | 5.6910% | 7,320 |
| Core capital (leverage) ratio | 5.5728% | 7,307 |
| Tier 1 risk-based capital ratio | 8.2583% | 7,277 |
| Total risk-based capital ratio | 9.5409% | 7,279 |
| Memoranda: | ||
| Average total assets | $3,058,856,500 | 236 |
| Average earning assets | $2,759,156,500 | 233 |
| Average equity | $218,007,000 | 332 |
| Average total loans | $2,470,492,500 | 205 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 3,478 |
| Cost of funding earning assets | 1.2949% | 3,917 |
| Net interest margin | 3.9320% | 3,335 |
| Noninterest income to average assets | 1.6288% | 554 |
| Noninterest expense to average assets | 3.5770% | 1,982 |
| Loan and lease loss provision to assets | 3.1311% | 290 |
| Net operating income to assets | -1.3901% | 6,869 |
| Return on assets (ROA) | -1.2971% | 6,853 |
| Pretax return on assets | -1.4068% | 6,822 |
| Return on Equity (ROE) | -14.7586% | 6,913 |
| Retained earnings to average equity (ytd only) | -14.7586% | 6,876 |
| Net charge-offs to loans | 3.0301% | 540 |
| Credit loss provision to net charge-offs | 123.8618% | 3,336 |
| Earnings coverage of net charge-offs (x) | 0.6421% | 5,468 |
| Efficiency ratio | 66.1003% | 4,951 |
| Assets per employee ($millions) | 3.7162% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0790% | 2,115 |
| Loan loss allowance to noncurrent loans | 51.8524% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 4.3521% | 1,532 |
| Noncurrent loans to loans | 4.0095% | 1,807 |
| Net loans and leases to total assets | 83.0030% | 387 |
| Net loans and leases to deposits | 110.7965% | 221 |
| Net loans and leases to core deposits | 114.2204% | 718 |
| Total domestic deposits to total assets | 74.9148% | 6,780 |
| Equity capital to assets | 8.4691% | 5,894 |
| Core capital (leverage) ratio | 8.3344% | 5,636 |
| Tier 1 risk-based capital ratio | 11.3294% | 6,061 |
| Total risk-based capital ratio | 12.5936% | 6,041 |
| Memoranda: | ||
| Average total assets | $3,171,402,400 | 238 |
| Average earning assets | $2,880,557,200 | 231 |
| Average equity | $278,733,200 | 269 |
| Average total loans | $2,645,787,200 | 197 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2345% | 3,663 |
| Cost of funding earning assets | 1.3427% | 3,956 |
| Net interest margin | 3.8917% | 3,565 |
| Noninterest income to average assets | 1.5954% | 552 |
| Noninterest expense to average assets | 3.6301% | 1,717 |
| Loan and lease loss provision to assets | 3.4576% | 216 |
| Net operating income to assets | -1.7903% | 7,180 |
| Return on assets (ROA) | -1.7651% | 7,189 |
| Pretax return on assets | -1.9253% | 7,180 |
| Return on Equity (ROE) | -19.9029% | 7,219 |
| Retained earnings to average equity (ytd only) | -19.9029% | 7,202 |
| Net charge-offs to loans | 3.2032% | 454 |
| Credit loss provision to net charge-offs | 129.9050% | 3,115 |
| Earnings coverage of net charge-offs (x) | 0.5654% | 5,450 |
| Efficiency ratio | 67.9239% | 4,478 |
| Assets per employee ($millions) | 3.6030% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 2,933 |
| Loan loss allowance to noncurrent loans | 48.8461% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 4.1331% | 1,667 |
| Noncurrent loans to loans | 3.6045% | 2,171 |
| Net loans and leases to total assets | 82.2114% | 471 |
| Net loans and leases to deposits | 106.4848% | 343 |
| Net loans and leases to core deposits | 111.3746% | 966 |
| Total domestic deposits to total assets | 77.2049% | 6,437 |
| Equity capital to assets | 9.0144% | 5,558 |
| Core capital (leverage) ratio | 8.6073% | 5,335 |
| Tier 1 risk-based capital ratio | 11.4906% | 5,944 |
| Total risk-based capital ratio | 12.7496% | 5,922 |
| Memoranda: | ||
| Average total assets | $3,173,639,000 | 234 |
| Average earning assets | $2,886,465,750 | 229 |
| Average equity | $281,459,000 | 265 |
| Average total loans | $2,637,067,750 | 195 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 3,809 |
| Cost of funding earning assets | 1.3970% | 3,893 |
| Net interest margin | 3.8319% | 3,753 |
| Noninterest income to average assets | 1.4053% | 644 |
| Noninterest expense to average assets | 3.6376% | 1,690 |
| Loan and lease loss provision to assets | 4.0049% | 193 |
| Net operating income to assets | -2.5053% | 7,420 |
| Return on assets (ROA) | -2.4683% | 7,420 |
| Pretax return on assets | -2.7065% | 7,418 |
| Return on Equity (ROE) | -27.9799% | 7,405 |
| Retained earnings to average equity (ytd only) | -27.9799% | 7,391 |
| Net charge-offs to loans | 3.7083% | 374 |
| Credit loss provision to net charge-offs | 130.2740% | 3,087 |
| Earnings coverage of net charge-offs (x) | 0.4091% | 5,318 |
| Efficiency ratio | 71.3750% | 3,924 |
| Assets per employee ($millions) | 3.6925% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 1,850 |
| Loan loss allowance to noncurrent loans | 60.6527% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 4.1552% | 1,629 |
| Noncurrent loans to loans | 3.5585% | 2,214 |
| Net loans and leases to total assets | 80.1603% | 771 |
| Net loans and leases to deposits | 100.8159% | 657 |
| Net loans and leases to core deposits | 106.6971% | 1,392 |
| Total domestic deposits to total assets | 79.5116% | 5,888 |
| Equity capital to assets | 8.4382% | 6,243 |
| Core capital (leverage) ratio | 8.0342% | 6,227 |
| Tier 1 risk-based capital ratio | 10.9545% | 6,291 |
| Total risk-based capital ratio | 12.2190% | 6,258 |
| Memoranda: | ||
| Average total assets | $3,201,049,330 | 232 |
| Average earning assets | $2,915,488,670 | 230 |
| Average equity | $282,388,330 | 265 |
| Average total loans | $2,653,743,670 | 197 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 4,047 |
| Cost of funding earning assets | 1.4310% | 3,985 |
| Net interest margin | 3.7637% | 3,942 |
| Noninterest income to average assets | 1.3602% | 651 |
| Noninterest expense to average assets | 3.0589% | 3,441 |
| Loan and lease loss provision to assets | 3.8487% | 233 |
| Net operating income to assets | -1.7212% | 7,392 |
| Return on assets (ROA) | -1.6559% | 7,380 |
| Pretax return on assets | -2.0366% | 7,420 |
| Return on Equity (ROE) | -18.3830% | 7,401 |
| Retained earnings to average equity (ytd only) | -18.3830% | 7,321 |
| Net charge-offs to loans | 4.3319% | 301 |
| Credit loss provision to net charge-offs | 106.5616% | 3,228 |
| Earnings coverage of net charge-offs (x) | 0.4794% | 4,596 |
| Efficiency ratio | 60.8551% | 6,024 |
| Assets per employee ($millions) | 3.7390% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,542 |
| Loan loss allowance to noncurrent loans | 40.6700% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 4.6205% | 1,452 |
| Noncurrent loans to loans | 3.8795% | 2,040 |
| Net loans and leases to total assets | 82.3869% | 543 |
| Net loans and leases to deposits | 104.6605% | 489 |
| Net loans and leases to core deposits | 119.7313% | 795 |
| Total domestic deposits to total assets | 78.7183% | 6,147 |
| Equity capital to assets | 8.9953% | 5,287 |
| Core capital (leverage) ratio | 8.6735% | 5,062 |
| Tier 1 risk-based capital ratio | 11.7775% | 5,420 |
| Total risk-based capital ratio | 13.0343% | 5,351 |
| Memoranda: | ||
| Average total assets | $3,232,266,500 | 238 |
| Average earning assets | $2,945,913,500 | 235 |
| Average equity | $291,161,000 | 262 |
| Average total loans | $2,694,904,500 | 200 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4359% | 4,510 |
| Cost of funding earning assets | 2.0990% | 2,465 |
| Net interest margin | 3.3368% | 5,599 |
| Noninterest income to average assets | 0.7946% | 2,428 |
| Noninterest expense to average assets | 2.7641% | 5,109 |
| Loan and lease loss provision to assets | 1.9039% | 1,169 |
| Net operating income to assets | -0.5208% | 6,204 |
| Return on assets (ROA) | -0.3890% | 6,055 |
| Pretax return on assets | -0.6052% | 6,100 |
| Return on Equity (ROE) | -4.5448% | 6,171 |
| Retained earnings to average equity (ytd only) | -4.5448% | 5,958 |
| Net charge-offs to loans | 1.7178% | 1,464 |
| Credit loss provision to net charge-offs | 134.0199% | 3,718 |
| Earnings coverage of net charge-offs (x) | 0.7693% | 5,337 |
| Efficiency ratio | 67.9233% | 5,017 |
| Assets per employee ($millions) | 3.8912% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 3,686 |
| Loan loss allowance to noncurrent loans | 32.8447% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 4.9607% | 1,248 |
| Noncurrent loans to loans | 4.5868% | 1,538 |
| Net loans and leases to total assets | 81.7940% | 718 |
| Net loans and leases to deposits | 106.5659% | 521 |
| Net loans and leases to core deposits | 127.6034% | 1,410 |
| Total domestic deposits to total assets | 76.7544% | 6,542 |
| Equity capital to assets | 9.0205% | 5,116 |
| Core capital (leverage) ratio | 8.7237% | 4,885 |
| Tier 1 risk-based capital ratio | 11.8845% | 5,039 |
| Total risk-based capital ratio | 13.1402% | 5,001 |
| Memoranda: | ||
| Average total assets | $3,304,577,800 | 233 |
| Average earning assets | $3,032,771,200 | 228 |
| Average equity | $282,874,000 | 265 |
| Average total loans | $2,732,968,800 | 203 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4542% | 4,665 |
| Cost of funding earning assets | 2.2675% | 2,119 |
| Net interest margin | 3.1866% | 6,071 |
| Noninterest income to average assets | 0.6818% | 3,143 |
| Noninterest expense to average assets | 2.7665% | 5,031 |
| Loan and lease loss provision to assets | 1.9648% | 926 |
| Net operating income to assets | -0.7385% | 6,632 |
| Return on assets (ROA) | -0.5581% | 6,482 |
| Pretax return on assets | -0.8476% | 6,569 |
| Return on Equity (ROE) | -6.6064% | 6,625 |
| Retained earnings to average equity (ytd only) | -6.6064% | 6,464 |
| Net charge-offs to loans | 1.5982% | 1,277 |
| Credit loss provision to net charge-offs | 148.8015% | 3,242 |
| Earnings coverage of net charge-offs (x) | 0.6392% | 5,387 |
| Efficiency ratio | 72.6226% | 4,122 |
| Assets per employee ($millions) | 3.9213% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 3,492 |
| Loan loss allowance to noncurrent loans | 34.9169% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 4.8207% | 1,227 |
| Noncurrent loans to loans | 4.2684% | 1,685 |
| Net loans and leases to total assets | 82.9019% | 683 |
| Net loans and leases to deposits | 113.0617% | 361 |
| Net loans and leases to core deposits | 134.7625% | 1,162 |
| Total domestic deposits to total assets | 73.3244% | 7,044 |
| Equity capital to assets | 8.7088% | 5,940 |
| Core capital (leverage) ratio | 8.3541% | 5,743 |
| Tier 1 risk-based capital ratio | 11.4163% | 5,511 |
| Total risk-based capital ratio | 12.6721% | 5,449 |
| Memoranda: | ||
| Average total assets | $3,319,398,000 | 241 |
| Average earning assets | $3,050,808,250 | 235 |
| Average equity | $280,406,750 | 274 |
| Average total loans | $2,742,445,750 | 212 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4556% | 4,861 |
| Cost of funding earning assets | 2.4182% | 1,886 |
| Net interest margin | 3.0374% | 6,442 |
| Noninterest income to average assets | 0.4487% | 4,856 |
| Noninterest expense to average assets | 2.7988% | 4,963 |
| Loan and lease loss provision to assets | 1.5795% | 1,075 |
| Net operating income to assets | -0.7830% | 6,821 |
| Return on assets (ROA) | -0.5023% | 6,561 |
| Pretax return on assets | -0.7298% | 6,622 |
| Return on Equity (ROE) | -6.0057% | 6,709 |
| Retained earnings to average equity (ytd only) | -6.0057% | 6,450 |
| Net charge-offs to loans | 1.6916% | 1,119 |
| Credit loss provision to net charge-offs | 113.7046% | 4,078 |
| Earnings coverage of net charge-offs (x) | 0.3189% | 5,357 |
| Efficiency ratio | 81.8968% | 2,736 |
| Assets per employee ($millions) | 4.1596% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,389 |
| Loan loss allowance to noncurrent loans | 29.9892% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 4.0409% | 1,454 |
| Noncurrent loans to loans | 3.2634% | 2,173 |
| Net loans and leases to total assets | 83.4247% | 720 |
| Net loans and leases to deposits | 114.1072% | 394 |
| Net loans and leases to core deposits | 137.4289% | 1,132 |
| Total domestic deposits to total assets | 73.1108% | 7,093 |
| Equity capital to assets | 8.4214% | 6,166 |
| Core capital (leverage) ratio | 8.1614% | 6,053 |
| Tier 1 risk-based capital ratio | 11.2329% | 5,661 |
| Total risk-based capital ratio | 12.3731% | 5,664 |
| Memoranda: | ||
| Average total assets | $3,344,893,000 | 247 |
| Average earning assets | $3,075,760,000 | 243 |
| Average equity | $279,735,670 | 279 |
| Average total loans | $2,746,891,330 | 218 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5347% | 4,726 |
| Cost of funding earning assets | 2.6116% | 1,523 |
| Net interest margin | 2.9231% | 6,691 |
| Noninterest income to average assets | 0.2153% | 6,757 |
| Noninterest expense to average assets | 2.3910% | 6,224 |
| Loan and lease loss provision to assets | 0.8163% | 1,585 |
| Net operating income to assets | -0.2112% | 6,571 |
| Return on assets (ROA) | 0.3534% | 5,235 |
| Pretax return on assets | 0.5147% | 5,041 |
| Return on Equity (ROE) | 4.2413% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.2413% | 3,550 |
| Net charge-offs to loans | 0.8922% | 1,470 |
| Credit loss provision to net charge-offs | 112.8882% | 3,436 |
| Earnings coverage of net charge-offs (x) | 0.7090% | 4,444 |
| Efficiency ratio | 77.3679% | 3,275 |
| Assets per employee ($millions) | 4.1768% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,517 |
| Loan loss allowance to noncurrent loans | 38.3861% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 3.2203% | 1,717 |
| Noncurrent loans to loans | 2.4663% | 2,673 |
| Net loans and leases to total assets | 79.3565% | 1,506 |
| Net loans and leases to deposits | 101.4688% | 1,234 |
| Net loans and leases to core deposits | 124.7488% | 2,015 |
| Total domestic deposits to total assets | 78.2077% | 5,940 |
| Equity capital to assets | 8.8129% | 5,602 |
| Core capital (leverage) ratio | 8.4118% | 5,696 |
| Tier 1 risk-based capital ratio | 11.6617% | 5,246 |
| Total risk-based capital ratio | 12.7205% | 5,339 |
| Memoranda: | ||
| Average total assets | $3,330,613,500 | 251 |
| Average earning assets | $3,063,135,500 | 247 |
| Average equity | $277,557,000 | 281 |
| Average total loans | $2,699,283,500 | 223 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9971% | 5,557 |
| Cost of funding earning assets | 2.9347% | 2,120 |
| Net interest margin | 3.0624% | 6,758 |
| Noninterest income to average assets | 0.0007% | 8,105 |
| Noninterest expense to average assets | 4.7994% | 712 |
| Loan and lease loss provision to assets | 0.8503% | 1,756 |
| Net operating income to assets | -2.7877% | 7,775 |
| Return on assets (ROA) | -2.4909% | 7,679 |
| Pretax return on assets | -2.5801% | 7,612 |
| Return on Equity (ROE) | -25.1361% | 7,866 |
| Retained earnings to average equity (ytd only) | -26.9479% | 7,853 |
| Net charge-offs to loans | 0.9206% | 1,345 |
| Credit loss provision to net charge-offs | 113.0945% | 4,771 |
| Earnings coverage of net charge-offs (x) | -2.7077% | 6,750 |
| Efficiency ratio | 73.7115% | 3,627 |
| Assets per employee ($millions) | 4.0188% | 3,475 |
| Cash dividends to net income (ytd only)* | -7.2081% | 7,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 6,634 |
| Loan loss allowance to noncurrent loans | 38.5153% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 3.1178% | 1,468 |
| Noncurrent loans to loans | 2.3554% | 2,335 |
| Net loans and leases to total assets | 81.2413% | 1,376 |
| Net loans and leases to deposits | 104.3410% | 1,308 |
| Net loans and leases to core deposits | 130.9906% | 1,782 |
| Total domestic deposits to total assets | 77.8614% | 5,759 |
| Equity capital to assets | 7.8486% | 7,047 |
| Core capital (leverage) ratio | 7.4439% | 7,269 |
| Tier 1 risk-based capital ratio | 10.0638% | 6,671 |
| Total risk-based capital ratio | 11.0770% | 6,811 |
| Memoranda: | ||
| Average total assets | $3,341,763,800 | 240 |
| Average earning assets | $3,014,972,400 | 239 |
| Average equity | $331,157,800 | 252 |
| Average total loans | $2,729,186,000 | 215 |