Home > Fox River State Bank > Performance and Condition Ratios
Fox River State Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 1,251 |
| Cost of funding earning assets | 0.6420% | 3,348 |
| Net interest margin | 4.3925% | 925 |
| Noninterest income to average assets | 0.4551% | 2,826 |
| Noninterest expense to average assets | 3.4873% | 983 |
| Loan and lease loss provision to assets | -0.3615% | 5,331 |
| Net operating income to assets | 0.9994% | 2,842 |
| Return on assets (ROA) | 0.9994% | 2,880 |
| Pretax return on assets | 1.3737% | 2,173 |
| Return on Equity (ROE) | 8.8040% | 2,894 |
| Retained earnings to average equity (ytd only) | 6.5561% | 2,225 |
| Net charge-offs to loans | -0.4709% | 5,263 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5047% | 1,326 |
| Assets per employee ($millions) | 3.6753% | 4,378 |
| Cash dividends to net income (ytd only)* | 25.5319% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 76.3034% | 1,432 |
| Net loans and leases to deposits | 86.4268% | 2,081 |
| Net loans and leases to core deposits | 92.9433% | 2,216 |
| Total domestic deposits to total assets | 88.2867% | 1,199 |
| Equity capital to assets | 11.2769% | 2,581 |
| Core capital (leverage) ratio | 10.0881% | 3,505 |
| Tier 1 risk-based capital ratio | 13.4697% | 3,619 |
| Total risk-based capital ratio | 14.7285% | 3,524 |
| Memoranda: | ||
| Average total assets | $94,054,500 | 4,195 |
| Average earning assets | $86,603,000 | 4,212 |
| Average equity | $10,677,000 | 4,243 |
| Average total loans | $72,196,000 | 3,835 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 1,761 |
| Cost of funding earning assets | 0.4854% | 3,442 |
| Net interest margin | 4.2330% | 1,317 |
| Noninterest income to average assets | 0.6367% | 2,119 |
| Noninterest expense to average assets | 3.3355% | 1,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8881% | 3,470 |
| Return on assets (ROA) | 0.8881% | 3,467 |
| Pretax return on assets | 1.1784% | 2,974 |
| Return on Equity (ROE) | 7.7523% | 3,548 |
| Retained earnings to average equity (ytd only) | 2.4773% | 4,149 |
| Net charge-offs to loans | -0.0072% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8943% | 1,637 |
| Assets per employee ($millions) | 3.5597% | 4,489 |
| Cash dividends to net income (ytd only)* | 68.0437% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.2596% | 1,897 |
| Net loans and leases to deposits | 84.2245% | 2,493 |
| Net loans and leases to core deposits | 89.8276% | 2,585 |
| Total domestic deposits to total assets | 88.1687% | 1,224 |
| Equity capital to assets | 11.4294% | 2,310 |
| Core capital (leverage) ratio | 9.6810% | 3,915 |
| Tier 1 risk-based capital ratio | 13.1853% | 3,734 |
| Total risk-based capital ratio | 14.4478% | 3,610 |
| Memoranda: | ||
| Average total assets | $92,668,800 | 4,223 |
| Average earning assets | $84,880,400 | 4,238 |
| Average equity | $10,616,200 | 4,214 |
| Average total loans | $69,537,600 | 3,877 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6437% | 1,859 |
| Cost of funding earning assets | 0.4600% | 3,455 |
| Net interest margin | 4.1837% | 1,403 |
| Noninterest income to average assets | 0.6041% | 2,282 |
| Noninterest expense to average assets | 3.2823% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8400% | 3,776 |
| Return on assets (ROA) | 0.8400% | 3,781 |
| Pretax return on assets | 1.1550% | 3,178 |
| Return on Equity (ROE) | 7.3280% | 3,810 |
| Retained earnings to average equity (ytd only) | 7.3280% | 1,960 |
| Net charge-offs to loans | -0.0058% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9708% | 1,601 |
| Assets per employee ($millions) | 3.7946% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.5856% | 2,398 |
| Net loans and leases to deposits | 81.2736% | 2,896 |
| Net loans and leases to core deposits | 85.8076% | 3,010 |
| Total domestic deposits to total assets | 88.0798% | 1,208 |
| Equity capital to assets | 11.4385% | 2,309 |
| Core capital (leverage) ratio | 10.0089% | 3,622 |
| Tier 1 risk-based capital ratio | 13.6989% | 3,513 |
| Total risk-based capital ratio | 14.9577% | 3,427 |
| Memoranda: | ||
| Average total assets | $92,698,250 | 4,272 |
| Average earning assets | $84,930,250 | 4,282 |
| Average equity | $10,625,750 | 4,253 |
| Average total loans | $69,396,250 | 3,917 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 1,581 |
| Cost of funding earning assets | 0.4305% | 3,493 |
| Net interest margin | 4.2384% | 1,196 |
| Noninterest income to average assets | 0.6937% | 1,893 |
| Noninterest expense to average assets | 3.3530% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8850% | 3,528 |
| Return on assets (ROA) | 0.8850% | 3,529 |
| Pretax return on assets | 1.2155% | 2,892 |
| Return on Equity (ROE) | 7.7151% | 3,618 |
| Retained earnings to average equity (ytd only) | 7.7151% | 1,746 |
| Net charge-offs to loans | -0.0144% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3936% | 1,790 |
| Assets per employee ($millions) | 3.4638% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9301% | 598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.0349% | 2,267 |
| Net loans and leases to deposits | 83.7726% | 2,563 |
| Net loans and leases to core deposits | 92.3186% | 2,376 |
| Total domestic deposits to total assets | 85.9886% | 2,288 |
| Equity capital to assets | 11.0481% | 2,590 |
| Core capital (leverage) ratio | 9.7778% | 3,809 |
| Tier 1 risk-based capital ratio | 13.0474% | 3,868 |
| Total risk-based capital ratio | 14.3065% | 3,783 |
| Memoranda: | ||
| Average total assets | $91,976,330 | 4,318 |
| Average earning assets | $84,088,670 | 4,328 |
| Average equity | $10,550,670 | 4,300 |
| Average total loans | $69,434,330 | 3,943 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 1,506 |
| Cost of funding earning assets | 0.3590% | 3,918 |
| Net interest margin | 4.2633% | 1,017 |
| Noninterest income to average assets | 1.0908% | 778 |
| Noninterest expense to average assets | 3.5676% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0417% | 2,684 |
| Return on assets (ROA) | 1.0417% | 2,704 |
| Pretax return on assets | 1.3993% | 2,006 |
| Return on Equity (ROE) | 8.9029% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.9029% | 1,492 |
| Net charge-offs to loans | -0.0233% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8272% | 2,214 |
| Assets per employee ($millions) | 3.5359% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9699% | 579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 77.3513% | 1,334 |
| Net loans and leases to deposits | 93.0160% | 1,332 |
| Net loans and leases to core deposits | 99.2827% | 1,742 |
| Total domestic deposits to total assets | 83.1591% | 3,615 |
| Equity capital to assets | 11.9335% | 1,840 |
| Core capital (leverage) ratio | 9.9164% | 3,620 |
| Tier 1 risk-based capital ratio | 13.0578% | 3,921 |
| Total risk-based capital ratio | 14.3171% | 3,825 |
| Memoranda: | ||
| Average total assets | $89,472,000 | 4,407 |
| Average earning assets | $81,345,000 | 4,422 |
| Average equity | $10,468,500 | 4,355 |
| Average total loans | $68,532,500 | 3,995 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 1,496 |
| Cost of funding earning assets | 0.3385% | 3,812 |
| Net interest margin | 4.2387% | 1,106 |
| Noninterest income to average assets | 0.5869% | 2,511 |
| Noninterest expense to average assets | 3.3491% | 1,291 |
| Loan and lease loss provision to assets | -0.5665% | 5,654 |
| Net operating income to assets | -0.0736% | 5,401 |
| Return on assets (ROA) | -0.0736% | 5,404 |
| Pretax return on assets | 1.5782% | 1,353 |
| Return on Equity (ROE) | -0.5908% | 5,406 |
| Retained earnings to average equity (ytd only) | -5.5900% | 5,455 |
| Net charge-offs to loans | -0.2981% | 5,567 |
| Credit loss provision to net charge-offs | 260.4167% | 1,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7992% | 1,513 |
| Assets per employee ($millions) | 3.6218% | 4,537 |
| Cash dividends to net income (ytd only)* | -846.1538% | 5,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0352% | 503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,307 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 72.8293% | 2,118 |
| Net loans and leases to deposits | 82.5228% | 2,666 |
| Net loans and leases to core deposits | 87.3176% | 2,787 |
| Total domestic deposits to total assets | 88.2535% | 1,372 |
| Equity capital to assets | 11.4726% | 2,221 |
| Core capital (leverage) ratio | 8.9763% | 4,675 |
| Tier 1 risk-based capital ratio | 12.6558% | 4,115 |
| Total risk-based capital ratio | 13.9260% | 3,995 |
| Memoranda: | ||
| Average total assets | $88,262,800 | 4,455 |
| Average earning assets | $78,585,200 | 4,483 |
| Average equity | $11,001,800 | 4,294 |
| Average total loans | $64,405,200 | 4,092 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4597% | 1,759 |
| Cost of funding earning assets | 0.3429% | 3,740 |
| Net interest margin | 4.1168% | 1,348 |
| Noninterest income to average assets | 0.5991% | 2,494 |
| Noninterest expense to average assets | 3.4544% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4835% | 4,777 |
| Return on assets (ROA) | 0.4835% | 4,815 |
| Pretax return on assets | 0.7952% | 4,360 |
| Return on Equity (ROE) | 3.8008% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.2032% | 4,014 |
| Net charge-offs to loans | -0.3601% | 5,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2880% | 974 |
| Assets per employee ($millions) | 3.7065% | 4,441 |
| Cash dividends to net income (ytd only)* | 15.7244% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7192% | 201 |
| Loan loss allowance to noncurrent loans | 440.4762% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 2,417 |
| Noncurrent loans to loans | 0.6173% | 2,862 |
| Net loans and leases to total assets | 74.4011% | 1,853 |
| Net loans and leases to deposits | 85.6897% | 2,339 |
| Net loans and leases to core deposits | 90.8411% | 2,543 |
| Total domestic deposits to total assets | 86.8262% | 1,944 |
| Equity capital to assets | 12.6949% | 1,549 |
| Core capital (leverage) ratio | 9.1523% | 4,562 |
| Tier 1 risk-based capital ratio | 12.3981% | 4,380 |
| Total risk-based capital ratio | 13.6808% | 4,268 |
| Memoranda: | ||
| Average total assets | $87,692,000 | 4,510 |
| Average earning assets | $77,760,250 | 4,546 |
| Average equity | $11,155,250 | 4,322 |
| Average total loans | $63,678,000 | 4,140 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 1,871 |
| Cost of funding earning assets | 0.3391% | 3,702 |
| Net interest margin | 4.0432% | 1,479 |
| Noninterest income to average assets | 0.4606% | 3,283 |
| Noninterest expense to average assets | 3.2657% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4698% | 4,791 |
| Return on assets (ROA) | 0.4698% | 4,818 |
| Pretax return on assets | 0.7746% | 4,357 |
| Return on Equity (ROE) | 3.6906% | 4,912 |
| Retained earnings to average equity (ytd only) | 2.7904% | 4,039 |
| Net charge-offs to loans | -0.5175% | 5,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8281% | 1,120 |
| Assets per employee ($millions) | 3.3900% | 4,871 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8702% | 182 |
| Loan loss allowance to noncurrent loans | 424.7113% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4148% | 1,117 |
| Noncurrent loans to loans | 0.6758% | 2,726 |
| Net loans and leases to total assets | 70.6073% | 2,428 |
| Net loans and leases to deposits | 81.4016% | 2,756 |
| Net loans and leases to core deposits | 87.2015% | 2,782 |
| Total domestic deposits to total assets | 86.7394% | 2,072 |
| Equity capital to assets | 12.7035% | 1,521 |
| Core capital (leverage) ratio | 9.3739% | 4,261 |
| Tier 1 risk-based capital ratio | 12.4968% | 4,303 |
| Total risk-based capital ratio | 13.7802% | 4,186 |
| Memoranda: | ||
| Average total assets | $87,270,330 | 4,539 |
| Average earning assets | $77,264,670 | 4,580 |
| Average equity | $11,109,330 | 4,344 |
| Average total loans | $62,225,670 | 4,198 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 1,744 |
| Cost of funding earning assets | 0.3383% | 3,657 |
| Net interest margin | 4.0340% | 1,386 |
| Noninterest income to average assets | 0.4376% | 3,395 |
| Noninterest expense to average assets | 3.2199% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4791% | 4,675 |
| Return on assets (ROA) | 0.4791% | 4,700 |
| Pretax return on assets | 0.7877% | 4,156 |
| Return on Equity (ROE) | 3.7594% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.7594% | 3,570 |
| Net charge-offs to loans | -0.7112% | 5,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3448% | 1,341 |
| Assets per employee ($millions) | 3.6288% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9047% | 194 |
| Loan loss allowance to noncurrent loans | 387.6356% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 1.4652% | 1,117 |
| Noncurrent loans to loans | 0.7493% | 2,620 |
| Net loans and leases to total assets | 68.5900% | 2,590 |
| Net loans and leases to deposits | 79.0417% | 2,855 |
| Net loans and leases to core deposits | 84.7762% | 2,829 |
| Total domestic deposits to total assets | 86.7769% | 2,322 |
| Equity capital to assets | 12.7684% | 1,368 |
| Core capital (leverage) ratio | 9.2946% | 4,350 |
| Tier 1 risk-based capital ratio | 12.7983% | 4,203 |
| Total risk-based capital ratio | 14.0841% | 4,081 |
| Memoranda: | ||
| Average total assets | $86,835,000 | 4,592 |
| Average earning assets | $76,846,000 | 4,633 |
| Average equity | $11,065,500 | 4,375 |
| Average total loans | $61,302,000 | 4,265 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 2,359 |
| Cost of funding earning assets | 0.3358% | 3,685 |
| Net interest margin | 3.9017% | 1,960 |
| Noninterest income to average assets | 0.5125% | 3,156 |
| Noninterest expense to average assets | 3.1376% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4822% | 4,702 |
| Return on assets (ROA) | 0.4822% | 4,775 |
| Pretax return on assets | 0.8291% | 4,095 |
| Return on Equity (ROE) | 3.6692% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.6692% | 3,303 |
| Net charge-offs to loans | -0.4864% | 5,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0981% | 1,544 |
| Assets per employee ($millions) | 3.7643% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7471% | 234 |
| Loan loss allowance to noncurrent loans | 343.1493% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5754% | 1,029 |
| Noncurrent loans to loans | 0.8006% | 2,510 |
| Net loans and leases to total assets | 68.6117% | 2,685 |
| Net loans and leases to deposits | 78.9464% | 2,996 |
| Net loans and leases to core deposits | 84.6850% | 2,958 |
| Total domestic deposits to total assets | 86.9092% | 2,196 |
| Equity capital to assets | 12.7177% | 1,391 |
| Core capital (leverage) ratio | 9.1515% | 4,548 |
| Tier 1 risk-based capital ratio | 12.4169% | 4,433 |
| Total risk-based capital ratio | 13.7148% | 4,287 |
| Memoranda: | ||
| Average total assets | $82,737,600 | 4,676 |
| Average earning assets | $73,249,800 | 4,731 |
| Average equity | $10,874,200 | 4,443 |
| Average total loans | $58,800,200 | 4,339 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 2,248 |
| Cost of funding earning assets | 0.3358% | 3,701 |
| Net interest margin | 3.9378% | 1,863 |
| Noninterest income to average assets | 0.4500% | 3,557 |
| Noninterest expense to average assets | 3.1027% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5038% | 4,688 |
| Return on assets (ROA) | 0.5038% | 4,786 |
| Pretax return on assets | 0.8266% | 4,223 |
| Return on Equity (ROE) | 3.8006% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.8006% | 3,608 |
| Net charge-offs to loans | -0.3755% | 5,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9627% | 1,564 |
| Assets per employee ($millions) | 3.8735% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6149% | 285 |
| Loan loss allowance to noncurrent loans | 301.5504% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 1.7567% | 951 |
| Noncurrent loans to loans | 0.8672% | 2,518 |
| Net loans and leases to total assets | 68.0017% | 2,802 |
| Net loans and leases to deposits | 78.5419% | 3,129 |
| Net loans and leases to core deposits | 84.0718% | 3,112 |
| Total domestic deposits to total assets | 86.5801% | 2,097 |
| Equity capital to assets | 12.9258% | 1,528 |
| Core capital (leverage) ratio | 9.0881% | 4,733 |
| Tier 1 risk-based capital ratio | 12.4733% | 4,499 |
| Total risk-based capital ratio | 13.7702% | 4,364 |
| Memoranda: | ||
| Average total assets | $81,777,000 | 4,738 |
| Average earning assets | $72,254,500 | 4,788 |
| Average equity | $10,840,000 | 4,490 |
| Average total loans | $58,229,750 | 4,380 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3179% | 2,099 |
| Cost of funding earning assets | 0.3382% | 3,715 |
| Net interest margin | 3.9797% | 1,703 |
| Noninterest income to average assets | 0.3572% | 4,214 |
| Noninterest expense to average assets | 3.0187% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5110% | 4,637 |
| Return on assets (ROA) | 0.5110% | 4,747 |
| Pretax return on assets | 0.8409% | 4,152 |
| Return on Equity (ROE) | 3.8213% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.8213% | 3,457 |
| Net charge-offs to loans | -0.8442% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2134% | 1,755 |
| Assets per employee ($millions) | 3.8219% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8128% | 248 |
| Loan loss allowance to noncurrent loans | 134.4289% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 2.2371% | 673 |
| Noncurrent loans to loans | 2.0924% | 937 |
| Net loans and leases to total assets | 67.2292% | 2,907 |
| Net loans and leases to deposits | 77.6022% | 3,196 |
| Net loans and leases to core deposits | 82.2510% | 3,244 |
| Total domestic deposits to total assets | 86.6331% | 2,093 |
| Equity capital to assets | 12.9839% | 1,512 |
| Core capital (leverage) ratio | 9.8159% | 3,793 |
| Tier 1 risk-based capital ratio | 12.6384% | 4,426 |
| Total risk-based capital ratio | 13.9350% | 4,304 |
| Memoranda: | ||
| Average total assets | $80,630,330 | 4,801 |
| Average earning assets | $70,960,330 | 4,859 |
| Average equity | $10,781,670 | 4,528 |
| Average total loans | $57,804,670 | 4,411 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 1,283 |
| Cost of funding earning assets | 0.3399% | 3,718 |
| Net interest margin | 4.2517% | 996 |
| Noninterest income to average assets | 0.3549% | 4,190 |
| Noninterest expense to average assets | 3.0264% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6489% | 3,979 |
| Return on assets (ROA) | 0.6489% | 4,100 |
| Pretax return on assets | 1.0696% | 3,205 |
| Return on Equity (ROE) | 4.7788% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.7788% | 3,078 |
| Net charge-offs to loans | -1.6312% | 6,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8861% | 2,497 |
| Assets per employee ($millions) | 4.2033% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8319% | 264 |
| Loan loss allowance to noncurrent loans | 130.3686% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 2.5055% | 590 |
| Noncurrent loans to loans | 2.1722% | 954 |
| Net loans and leases to total assets | 69.9022% | 2,356 |
| Net loans and leases to deposits | 81.1448% | 2,656 |
| Net loans and leases to core deposits | 86.3217% | 2,720 |
| Total domestic deposits to total assets | 86.1450% | 2,612 |
| Equity capital to assets | 13.5282% | 1,175 |
| Core capital (leverage) ratio | 9.7660% | 3,824 |
| Tier 1 risk-based capital ratio | 12.7098% | 4,456 |
| Total risk-based capital ratio | 14.0085% | 4,333 |
| Memoranda: | ||
| Average total assets | $78,905,000 | 4,882 |
| Average earning assets | $69,431,000 | 4,944 |
| Average equity | $10,714,000 | 4,558 |
| Average total loans | $57,625,500 | 4,457 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 3,199 |
| Cost of funding earning assets | 0.4037% | 3,114 |
| Net interest margin | 3.6261% | 3,032 |
| Noninterest income to average assets | -0.1033% | 6,148 |
| Noninterest expense to average assets | 2.9362% | 2,741 |
| Loan and lease loss provision to assets | -0.2615% | 6,038 |
| Net operating income to assets | 0.3543% | 5,200 |
| Return on assets (ROA) | 0.3582% | 5,273 |
| Pretax return on assets | 0.3608% | 5,407 |
| Return on Equity (ROE) | 2.6161% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.6161% | 4,211 |
| Net charge-offs to loans | 0.1277% | 2,096 |
| Credit loss provision to net charge-offs | -294.1176% | 5,343 |
| Earnings coverage of net charge-offs (x) | 1.0735% | 4,143 |
| Efficiency ratio | 96.8521% | 372 |
| Assets per employee ($millions) | 4.3304% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4084% | 451 |
| Loan loss allowance to noncurrent loans | 108.6651% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 2.6095% | 575 |
| Noncurrent loans to loans | 2.2163% | 889 |
| Net loans and leases to total assets | 72.3646% | 1,989 |
| Net loans and leases to deposits | 83.9687% | 2,368 |
| Net loans and leases to core deposits | 89.1766% | 2,481 |
| Total domestic deposits to total assets | 86.1804% | 2,552 |
| Equity capital to assets | 13.6298% | 1,070 |
| Core capital (leverage) ratio | 9.2113% | 4,596 |
| Tier 1 risk-based capital ratio | 12.5532% | 4,596 |
| Total risk-based capital ratio | 13.8635% | 4,458 |
| Memoranda: | ||
| Average total assets | $76,492,800 | 4,938 |
| Average earning assets | $66,130,800 | 5,037 |
| Average equity | $10,473,800 | 4,572 |
| Average total loans | $53,252,600 | 4,573 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 3,448 |
| Cost of funding earning assets | 0.4100% | 3,122 |
| Net interest margin | 3.5638% | 3,289 |
| Noninterest income to average assets | -0.0560% | 6,221 |
| Noninterest expense to average assets | 3.0456% | 2,382 |
| Loan and lease loss provision to assets | -0.3503% | 6,171 |
| Net operating income to assets | 0.1875% | 5,701 |
| Return on assets (ROA) | 0.1909% | 5,757 |
| Pretax return on assets | 0.3135% | 5,622 |
| Return on Equity (ROE) | 1.3926% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.3926% | 5,164 |
| Net charge-offs to loans | 0.2226% | 1,172 |
| Credit loss provision to net charge-offs | -229.8851% | 5,206 |
| Earnings coverage of net charge-offs (x) | -0.2759% | 4,013 |
| Efficiency ratio | 101.3994% | 271 |
| Assets per employee ($millions) | 5.1377% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5079% | 430 |
| Loan loss allowance to noncurrent loans | 96.9654% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 3.2821% | 420 |
| Noncurrent loans to loans | 2.5864% | 771 |
| Net loans and leases to total assets | 64.9769% | 3,160 |
| Net loans and leases to deposits | 75.4933% | 3,370 |
| Net loans and leases to core deposits | 79.4340% | 3,472 |
| Total domestic deposits to total assets | 86.0699% | 2,488 |
| Equity capital to assets | 12.7611% | 1,583 |
| Core capital (leverage) ratio | 9.4298% | 4,390 |
| Tier 1 risk-based capital ratio | 13.1678% | 4,339 |
| Total risk-based capital ratio | 14.4785% | 4,223 |
| Memoranda: | ||
| Average total assets | $76,129,250 | 5,001 |
| Average earning assets | $65,360,250 | 5,112 |
| Average equity | $10,436,250 | 4,633 |
| Average total loans | $52,116,250 | 4,655 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 3,641 |
| Cost of funding earning assets | 0.3686% | 3,620 |
| Net interest margin | 3.5430% | 3,322 |
| Noninterest income to average assets | -0.1511% | 6,313 |
| Noninterest expense to average assets | 3.1091% | 2,222 |
| Loan and lease loss provision to assets | -0.4318% | 6,263 |
| Net operating income to assets | 0.1109% | 5,863 |
| Return on assets (ROA) | 0.1161% | 5,903 |
| Pretax return on assets | 0.1889% | 5,830 |
| Return on Equity (ROE) | 0.8255% | 5,923 |
| Retained earnings to average equity (ytd only) | 0.8255% | 5,230 |
| Net charge-offs to loans | -0.1406% | 5,915 |
| Credit loss provision to net charge-offs | 444.4444% | 683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7819% | 189 |
| Assets per employee ($millions) | 4.1124% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9685% | 277 |
| Loan loss allowance to noncurrent loans | 126.7106% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 4.4948% | 262 |
| Noncurrent loans to loans | 2.3427% | 1,000 |
| Net loans and leases to total assets | 64.2990% | 3,228 |
| Net loans and leases to deposits | 74.4760% | 3,439 |
| Net loans and leases to core deposits | 78.9801% | 3,486 |
| Total domestic deposits to total assets | 86.3352% | 2,513 |
| Equity capital to assets | 13.3269% | 1,249 |
| Core capital (leverage) ratio | 9.9553% | 3,674 |
| Tier 1 risk-based capital ratio | 13.4631% | 4,241 |
| Total risk-based capital ratio | 14.7815% | 4,137 |
| Memoranda: | ||
| Average total assets | $74,104,670 | 5,098 |
| Average earning assets | $62,941,670 | 5,227 |
| Average equity | $10,418,330 | 4,667 |
| Average total loans | $51,226,000 | 4,717 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 4,195 |
| Cost of funding earning assets | 0.3862% | 3,452 |
| Net interest margin | 3.3641% | 3,971 |
| Noninterest income to average assets | 0.1110% | 6,033 |
| Noninterest expense to average assets | 3.2571% | 1,826 |
| Loan and lease loss provision to assets | -0.6104% | 6,361 |
| Net operating income to assets | 0.1942% | 5,695 |
| Return on assets (ROA) | 0.1942% | 5,781 |
| Pretax return on assets | 0.3163% | 5,615 |
| Return on Equity (ROE) | 1.3434% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.3434% | 4,948 |
| Net charge-offs to loans | -0.6124% | 6,266 |
| Credit loss provision to net charge-offs | 141.0256% | 1,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9251% | 194 |
| Assets per employee ($millions) | 3.9637% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1521% | 258 |
| Loan loss allowance to noncurrent loans | 125.0192% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 5.6961% | 194 |
| Noncurrent loans to loans | 2.5213% | 959 |
| Net loans and leases to total assets | 70.1515% | 2,119 |
| Net loans and leases to deposits | 82.4319% | 2,284 |
| Net loans and leases to core deposits | 89.5479% | 2,174 |
| Total domestic deposits to total assets | 85.1024% | 3,356 |
| Equity capital to assets | 14.6495% | 791 |
| Core capital (leverage) ratio | 10.1884% | 3,356 |
| Tier 1 risk-based capital ratio | 13.0974% | 4,552 |
| Total risk-based capital ratio | 14.3696% | 4,463 |
| Memoranda: | ||
| Average total assets | $72,089,500 | 5,195 |
| Average earning assets | $61,116,000 | 5,324 |
| Average equity | $10,421,000 | 4,704 |
| Average total loans | $50,950,500 | 4,761 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,933 |
| Cost of funding earning assets | 0.4504% | 3,167 |
| Net interest margin | 3.7563% | 2,789 |
| Noninterest income to average assets | 0.1666% | 5,865 |
| Noninterest expense to average assets | 3.3451% | 1,811 |
| Loan and lease loss provision to assets | -0.1761% | 6,265 |
| Net operating income to assets | 0.0758% | 5,984 |
| Return on assets (ROA) | 0.0854% | 6,002 |
| Pretax return on assets | 0.1653% | 5,921 |
| Return on Equity (ROE) | 0.6073% | 6,022 |
| Retained earnings to average equity (ytd only) | 0.6073% | 5,502 |
| Net charge-offs to loans | 2.8384% | 42 |
| Credit loss provision to net charge-offs | -8.8737% | 5,308 |
| Earnings coverage of net charge-offs (x) | -0.0130% | 4,716 |
| Efficiency ratio | 100.7755% | 347 |
| Assets per employee ($millions) | 4.0462% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3074% | 213 |
| Loan loss allowance to noncurrent loans | 226.6030% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 5.0157% | 276 |
| Noncurrent loans to loans | 1.4595% | 2,013 |
| Net loans and leases to total assets | 66.6740% | 2,772 |
| Net loans and leases to deposits | 77.9117% | 2,986 |
| Net loans and leases to core deposits | 81.1728% | 3,182 |
| Total domestic deposits to total assets | 85.5764% | 3,043 |
| Equity capital to assets | 14.2657% | 880 |
| Core capital (leverage) ratio | 9.5043% | 4,229 |
| Tier 1 risk-based capital ratio | 13.2953% | 4,544 |
| Total risk-based capital ratio | 14.5719% | 4,458 |
| Memoranda: | ||
| Average total assets | $73,808,600 | 5,191 |
| Average earning assets | $61,949,600 | 5,341 |
| Average equity | $10,374,400 | 4,681 |
| Average total loans | $51,613,400 | 4,764 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 2,882 |
| Cost of funding earning assets | 0.4639% | 3,111 |
| Net interest margin | 3.7674% | 2,746 |
| Noninterest income to average assets | 0.3943% | 4,291 |
| Noninterest expense to average assets | 3.3417% | 1,808 |
| Loan and lease loss provision to assets | 0.0360% | 3,687 |
| Net operating income to assets | 0.1062% | 6,020 |
| Return on assets (ROA) | 0.1188% | 6,029 |
| Pretax return on assets | 0.1945% | 5,958 |
| Return on Equity (ROE) | 0.8486% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.8486% | 5,543 |
| Net charge-offs to loans | 3.3049% | 27 |
| Credit loss provision to net charge-offs | 1.5528% | 3,791 |
| Earnings coverage of net charge-offs (x) | 0.0908% | 4,435 |
| Efficiency ratio | 94.0699% | 594 |
| Assets per employee ($millions) | 4.1784% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9227% | 172 |
| Loan loss allowance to noncurrent loans | 113.8603% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 6.1294% | 223 |
| Noncurrent loans to loans | 3.4451% | 704 |
| Net loans and leases to total assets | 64.7405% | 3,070 |
| Net loans and leases to deposits | 75.4470% | 3,250 |
| Net loans and leases to core deposits | 78.7960% | 3,460 |
| Total domestic deposits to total assets | 85.8093% | 2,952 |
| Equity capital to assets | 13.8198% | 1,067 |
| Core capital (leverage) ratio | 9.4540% | 4,434 |
| Tier 1 risk-based capital ratio | 13.2466% | 4,697 |
| Total risk-based capital ratio | 14.5216% | 4,623 |
| Memoranda: | ||
| Average total assets | $74,052,750 | 5,246 |
| Average earning assets | $62,074,750 | 5,400 |
| Average equity | $10,370,500 | 4,714 |
| Average total loans | $51,961,500 | 4,797 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,567 |
| Cost of funding earning assets | 0.4743% | 3,071 |
| Net interest margin | 3.8303% | 2,445 |
| Noninterest income to average assets | 0.3719% | 4,461 |
| Noninterest expense to average assets | 3.3312% | 1,837 |
| Loan and lease loss provision to assets | 0.0543% | 3,216 |
| Net operating income to assets | 0.1112% | 6,026 |
| Return on assets (ROA) | 0.1303% | 6,029 |
| Pretax return on assets | 0.2172% | 5,919 |
| Return on Equity (ROE) | 0.9264% | 6,069 |
| Retained earnings to average equity (ytd only) | 0.9264% | 5,382 |
| Net charge-offs to loans | 4.3177% | 21 |
| Credit loss provision to net charge-offs | 1.7683% | 3,387 |
| Earnings coverage of net charge-offs (x) | 0.0787% | 4,117 |
| Efficiency ratio | 93.2371% | 683 |
| Assets per employee ($millions) | 4.1280% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2533% | 149 |
| Loan loss allowance to noncurrent loans | 140.7480% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 6.5770% | 208 |
| Noncurrent loans to loans | 3.0220% | 954 |
| Net loans and leases to total assets | 64.9844% | 2,910 |
| Net loans and leases to deposits | 75.8284% | 3,077 |
| Net loans and leases to core deposits | 79.5722% | 3,257 |
| Total domestic deposits to total assets | 85.6993% | 3,193 |
| Equity capital to assets | 13.9898% | 974 |
| Core capital (leverage) ratio | 9.5245% | 4,294 |
| Tier 1 risk-based capital ratio | 13.0953% | 4,856 |
| Total risk-based capital ratio | 14.3830% | 4,762 |
| Memoranda: | ||
| Average total assets | $73,666,670 | 5,294 |
| Average earning assets | $61,561,000 | 5,465 |
| Average equity | $10,362,670 | 4,729 |
| Average total loans | $52,388,670 | 4,810 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 2,003 |
| Cost of funding earning assets | 0.4770% | 3,150 |
| Net interest margin | 3.9599% | 1,889 |
| Noninterest income to average assets | 0.4908% | 3,486 |
| Noninterest expense to average assets | 3.4248% | 1,639 |
| Loan and lease loss provision to assets | 0.1091% | 2,115 |
| Net operating income to assets | 0.1963% | 5,813 |
| Return on assets (ROA) | 0.1963% | 5,858 |
| Pretax return on assets | 0.2618% | 5,797 |
| Return on Equity (ROE) | 1.3918% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.3918% | 5,057 |
| Net charge-offs to loans | 5.8313% | 17 |
| Credit loss provision to net charge-offs | 2.5707% | 2,666 |
| Earnings coverage of net charge-offs (x) | 0.0874% | 3,422 |
| Efficiency ratio | 90.2299% | 1,013 |
| Assets per employee ($millions) | 3.8586% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8214% | 101 |
| Loan loss allowance to noncurrent loans | 156.0275% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 7.1910% | 209 |
| Noncurrent loans to loans | 3.0901% | 1,017 |
| Net loans and leases to total assets | 67.2627% | 2,346 |
| Net loans and leases to deposits | 78.5689% | 2,477 |
| Net loans and leases to core deposits | 82.4301% | 2,693 |
| Total domestic deposits to total assets | 85.6098% | 3,557 |
| Equity capital to assets | 14.1501% | 874 |
| Core capital (leverage) ratio | 9.3793% | 4,461 |
| Tier 1 risk-based capital ratio | 12.5393% | 5,290 |
| Total risk-based capital ratio | 13.8327% | 5,203 |
| Memoranda: | ||
| Average total assets | $73,348,000 | 5,356 |
| Average earning assets | $61,213,500 | 5,534 |
| Average equity | $10,346,500 | 4,755 |
| Average total loans | $53,367,500 | 4,811 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 2,114 |
| Cost of funding earning assets | 0.5546% | 3,074 |
| Net interest margin | 3.9699% | 2,037 |
| Noninterest income to average assets | 0.4688% | 3,970 |
| Noninterest expense to average assets | 3.3060% | 2,128 |
| Loan and lease loss provision to assets | 3.9028% | 13 |
| Net operating income to assets | -2.0423% | 6,719 |
| Return on assets (ROA) | -2.0439% | 6,719 |
| Pretax return on assets | -3.3503% | 6,769 |
| Return on Equity (ROE) | -16.0379% | 6,653 |
| Retained earnings to average equity (ytd only) | -16.0379% | 6,629 |
| Net charge-offs to loans | 3.3864% | 60 |
| Credit loss provision to net charge-offs | 155.3986% | 1,493 |
| Earnings coverage of net charge-offs (x) | 0.2210% | 5,012 |
| Efficiency ratio | 85.6252% | 1,446 |
| Assets per employee ($millions) | 3.8622% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9282% | 45 |
| Loan loss allowance to noncurrent loans | 99.2986% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 9.4424% | 139 |
| Noncurrent loans to loans | 5.9701% | 347 |
| Net loans and leases to total assets | 70.4096% | 1,953 |
| Net loans and leases to deposits | 82.0935% | 2,172 |
| Net loans and leases to core deposits | 85.3960% | 2,523 |
| Total domestic deposits to total assets | 85.7676% | 3,380 |
| Equity capital to assets | 14.0620% | 882 |
| Core capital (leverage) ratio | 9.0803% | 4,885 |
| Tier 1 risk-based capital ratio | 11.8228% | 5,724 |
| Total risk-based capital ratio | 13.1315% | 5,629 |
| Memoranda: | ||
| Average total assets | $78,918,000 | 5,264 |
| Average earning assets | $67,431,800 | 5,361 |
| Average equity | $10,057,400 | 4,832 |
| Average total loans | $58,527,800 | 4,664 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 2,076 |
| Cost of funding earning assets | 0.5767% | 3,028 |
| Net interest margin | 3.9635% | 2,059 |
| Noninterest income to average assets | 0.5396% | 3,525 |
| Noninterest expense to average assets | 3.2477% | 2,211 |
| Loan and lease loss provision to assets | 4.6407% | 7 |
| Net operating income to assets | -2.9612% | 6,847 |
| Return on assets (ROA) | -2.9637% | 6,850 |
| Pretax return on assets | -3.9516% | 6,867 |
| Return on Equity (ROE) | -23.8185% | 6,791 |
| Retained earnings to average equity (ytd only) | -23.8185% | 6,779 |
| Net charge-offs to loans | 3.7153% | 50 |
| Credit loss provision to net charge-offs | 168.7802% | 1,410 |
| Earnings coverage of net charge-offs (x) | 0.2518% | 4,784 |
| Efficiency ratio | 82.4273% | 1,773 |
| Assets per employee ($millions) | 4.0146% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9488% | 56 |
| Loan loss allowance to noncurrent loans | 139.5851% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 7.9590% | 222 |
| Noncurrent loans to loans | 4.2618% | 801 |
| Net loans and leases to total assets | 68.3369% | 2,251 |
| Net loans and leases to deposits | 77.9186% | 2,676 |
| Net loans and leases to core deposits | 80.2333% | 3,108 |
| Total domestic deposits to total assets | 87.7029% | 2,296 |
| Equity capital to assets | 11.9366% | 1,952 |
| Core capital (leverage) ratio | 7.7540% | 6,353 |
| Tier 1 risk-based capital ratio | 10.1300% | 6,562 |
| Total risk-based capital ratio | 11.4387% | 6,511 |
| Memoranda: | ||
| Average total assets | $80,302,000 | 5,281 |
| Average earning assets | $68,893,000 | 5,384 |
| Average equity | $9,992,000 | 4,909 |
| Average total loans | $59,428,750 | 4,668 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 1,968 |
| Cost of funding earning assets | 0.5914% | 3,022 |
| Net interest margin | 3.9756% | 1,943 |
| Noninterest income to average assets | 0.5585% | 3,448 |
| Noninterest expense to average assets | 3.2115% | 2,325 |
| Loan and lease loss provision to assets | 3.4663% | 13 |
| Net operating income to assets | -1.6333% | 6,820 |
| Return on assets (ROA) | -1.6364% | 6,823 |
| Pretax return on assets | -2.6824% | 6,881 |
| Return on Equity (ROE) | -12.9864% | 6,779 |
| Retained earnings to average equity (ytd only) | -12.9864% | 6,728 |
| Net charge-offs to loans | 2.4192% | 162 |
| Credit loss provision to net charge-offs | 192.5170% | 1,236 |
| Earnings coverage of net charge-offs (x) | 0.4381% | 4,396 |
| Efficiency ratio | 80.2817% | 2,116 |
| Assets per employee ($millions) | 4.3148% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9875% | 113 |
| Loan loss allowance to noncurrent loans | 153.0744% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 7.2091% | 323 |
| Noncurrent loans to loans | 3.2582% | 1,349 |
| Net loans and leases to total assets | 69.6109% | 1,947 |
| Net loans and leases to deposits | 79.9751% | 2,321 |
| Net loans and leases to core deposits | 82.3205% | 2,766 |
| Total domestic deposits to total assets | 87.0407% | 2,797 |
| Equity capital to assets | 12.6246% | 1,507 |
| Core capital (leverage) ratio | 8.3323% | 5,847 |
| Tier 1 risk-based capital ratio | 11.3140% | 6,195 |
| Total risk-based capital ratio | 12.6095% | 6,139 |
| Memoranda: | ||
| Average total assets | $81,643,330 | 5,280 |
| Average earning assets | $70,681,330 | 5,370 |
| Average equity | $10,287,670 | 4,877 |
| Average total loans | $60,764,000 | 4,652 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 1,942 |
| Cost of funding earning assets | 0.5922% | 3,178 |
| Net interest margin | 3.9698% | 1,891 |
| Noninterest income to average assets | 0.5500% | 3,440 |
| Noninterest expense to average assets | 2.8697% | 3,462 |
| Loan and lease loss provision to assets | 0.9087% | 214 |
| Net operating income to assets | 0.1435% | 6,062 |
| Return on assets (ROA) | 0.1435% | 6,158 |
| Pretax return on assets | 0.2344% | 6,007 |
| Return on Equity (ROE) | 1.1397% | 6,186 |
| Retained earnings to average equity (ytd only) | 1.1397% | 5,392 |
| Net charge-offs to loans | 1.8375% | 261 |
| Credit loss provision to net charge-offs | 65.9722% | 2,344 |
| Earnings coverage of net charge-offs (x) | 0.8299% | 3,552 |
| Efficiency ratio | 71.5137% | 3,706 |
| Assets per employee ($millions) | 4.6650% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2755% | 501 |
| Loan loss allowance to noncurrent loans | 79.3529% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 7.0216% | 397 |
| Noncurrent loans to loans | 4.1278% | 1,071 |
| Net loans and leases to total assets | 72.4437% | 1,290 |
| Net loans and leases to deposits | 83.0718% | 1,702 |
| Net loans and leases to core deposits | 84.2558% | 2,291 |
| Total domestic deposits to total assets | 87.2061% | 2,829 |
| Equity capital to assets | 12.5497% | 1,683 |
| Core capital (leverage) ratio | 9.4561% | 4,155 |
| Tier 1 risk-based capital ratio | 11.5830% | 6,135 |
| Total risk-based capital ratio | 12.8865% | 6,087 |
| Memoranda: | ||
| Average total assets | $83,632,000 | 5,280 |
| Average earning assets | $72,951,000 | 5,359 |
| Average equity | $10,529,000 | 4,879 |
| Average total loans | $62,695,000 | 4,612 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 1,585 |
| Cost of funding earning assets | 0.7773% | 2,850 |
| Net interest margin | 4.2132% | 1,624 |
| Noninterest income to average assets | -0.2954% | 6,995 |
| Noninterest expense to average assets | 3.0437% | 3,117 |
| Loan and lease loss provision to assets | 1.9144% | 121 |
| Net operating income to assets | -1.2145% | 6,798 |
| Return on assets (ROA) | -1.2145% | 6,812 |
| Pretax return on assets | -1.6201% | 6,875 |
| Return on Equity (ROE) | -9.8813% | 6,718 |
| Retained earnings to average equity (ytd only) | -9.8813% | 6,631 |
| Net charge-offs to loans | 2.1389% | 327 |
| Credit loss provision to net charge-offs | 119.8435% | 2,394 |
| Earnings coverage of net charge-offs (x) | 0.1842% | 5,390 |
| Efficiency ratio | 91.1845% | 972 |
| Assets per employee ($millions) | 4.3839% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4529% | 445 |
| Loan loss allowance to noncurrent loans | 104.0501% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 6.5707% | 503 |
| Noncurrent loans to loans | 3.3185% | 1,542 |
| Net loans and leases to total assets | 72.4434% | 1,429 |
| Net loans and leases to deposits | 83.0423% | 1,877 |
| Net loans and leases to core deposits | 83.9387% | 2,561 |
| Total domestic deposits to total assets | 87.2368% | 2,683 |
| Equity capital to assets | 12.6300% | 1,623 |
| Core capital (leverage) ratio | 9.3480% | 4,338 |
| Tier 1 risk-based capital ratio | 11.4101% | 6,158 |
| Total risk-based capital ratio | 12.6828% | 6,115 |
| Memoranda: | ||
| Average total assets | $88,018,800 | 5,139 |
| Average earning assets | $75,904,000 | 5,248 |
| Average equity | $10,818,400 | 4,795 |
| Average total loans | $65,733,400 | 4,518 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 1,414 |
| Cost of funding earning assets | 0.8111% | 2,854 |
| Net interest margin | 4.2962% | 1,476 |
| Noninterest income to average assets | -0.2870% | 7,093 |
| Noninterest expense to average assets | 2.9073% | 3,567 |
| Loan and lease loss provision to assets | 2.3392% | 74 |
| Net operating income to assets | -1.1151% | 6,890 |
| Return on assets (ROA) | -1.1151% | 6,914 |
| Pretax return on assets | -1.8280% | 7,007 |
| Return on Equity (ROE) | -9.1310% | 6,846 |
| Retained earnings to average equity (ytd only) | -9.1310% | 6,794 |
| Net charge-offs to loans | 2.7330% | 218 |
| Credit loss provision to net charge-offs | 114.7361% | 2,543 |
| Earnings coverage of net charge-offs (x) | 0.2507% | 5,201 |
| Efficiency ratio | 85.0459% | 1,470 |
| Assets per employee ($millions) | 4.4642% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4078% | 506 |
| Loan loss allowance to noncurrent loans | 172.6141% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 5.5023% | 773 |
| Noncurrent loans to loans | 1.9742% | 2,864 |
| Net loans and leases to total assets | 69.5092% | 2,012 |
| Net loans and leases to deposits | 79.9309% | 2,399 |
| Net loans and leases to core deposits | 81.3862% | 3,036 |
| Total domestic deposits to total assets | 86.9616% | 2,692 |
| Equity capital to assets | 12.7519% | 1,740 |
| Core capital (leverage) ratio | 9.2852% | 4,609 |
| Tier 1 risk-based capital ratio | 11.9307% | 5,974 |
| Total risk-based capital ratio | 13.2038% | 5,949 |
| Memoranda: | ||
| Average total assets | $89,200,000 | 5,169 |
| Average earning assets | $76,933,500 | 5,268 |
| Average equity | $10,893,000 | 4,830 |
| Average total loans | $66,542,000 | 4,524 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 1,388 |
| Cost of funding earning assets | 0.8487% | 2,803 |
| Net interest margin | 4.2975% | 1,486 |
| Noninterest income to average assets | -0.5008% | 7,190 |
| Noninterest expense to average assets | 2.8171% | 3,948 |
| Loan and lease loss provision to assets | 2.9009% | 67 |
| Net operating income to assets | -1.5442% | 7,025 |
| Return on assets (ROA) | -1.5442% | 7,036 |
| Pretax return on assets | -2.5325% | 7,118 |
| Return on Equity (ROE) | -12.8221% | 6,954 |
| Retained earnings to average equity (ytd only) | -12.8221% | 6,907 |
| Net charge-offs to loans | 3.8141% | 124 |
| Credit loss provision to net charge-offs | 100.8436% | 2,699 |
| Earnings coverage of net charge-offs (x) | 0.1281% | 5,013 |
| Efficiency ratio | 88.4349% | 1,195 |
| Assets per employee ($millions) | 4.6248% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8058% | 935 |
| Loan loss allowance to noncurrent loans | 125.0827% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 5.6753% | 769 |
| Noncurrent loans to loans | 2.2431% | 2,678 |
| Net loans and leases to total assets | 74.5072% | 1,173 |
| Net loans and leases to deposits | 85.2665% | 1,691 |
| Net loans and leases to core deposits | 87.1042% | 2,303 |
| Total domestic deposits to total assets | 87.3816% | 2,544 |
| Equity capital to assets | 12.3577% | 1,906 |
| Core capital (leverage) ratio | 9.0153% | 4,889 |
| Tier 1 risk-based capital ratio | 10.8027% | 6,582 |
| Total risk-based capital ratio | 12.0694% | 6,553 |
| Memoranda: | ||
| Average total assets | $90,660,330 | 5,151 |
| Average earning assets | $77,766,000 | 5,276 |
| Average equity | $10,918,670 | 4,828 |
| Average total loans | $68,377,000 | 4,474 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1216% | 1,523 |
| Cost of funding earning assets | 0.9020% | 2,671 |
| Net interest margin | 4.2196% | 1,707 |
| Noninterest income to average assets | -0.3302% | 7,230 |
| Noninterest expense to average assets | 2.6723% | 4,535 |
| Loan and lease loss provision to assets | 4.7581% | 23 |
| Net operating income to assets | -2.5376% | 7,194 |
| Return on assets (ROA) | -2.5376% | 7,196 |
| Pretax return on assets | -4.1628% | 7,254 |
| Return on Equity (ROE) | -21.3363% | 7,121 |
| Retained earnings to average equity (ytd only) | -21.3363% | 7,061 |
| Net charge-offs to loans | 7.3398% | 40 |
| Credit loss provision to net charge-offs | 86.6297% | 2,612 |
| Earnings coverage of net charge-offs (x) | 0.1084% | 4,315 |
| Efficiency ratio | 81.7819% | 1,964 |
| Assets per employee ($millions) | 4.7966% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4823% | 1,382 |
| Loan loss allowance to noncurrent loans | 113.0205% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 5.9988% | 785 |
| Noncurrent loans to loans | 2.1964% | 2,920 |
| Net loans and leases to total assets | 73.7115% | 1,110 |
| Net loans and leases to deposits | 83.8120% | 1,685 |
| Net loans and leases to core deposits | 85.2500% | 2,375 |
| Total domestic deposits to total assets | 87.9486% | 2,354 |
| Equity capital to assets | 11.8253% | 2,162 |
| Core capital (leverage) ratio | 8.5894% | 5,456 |
| Tier 1 risk-based capital ratio | 10.1623% | 6,843 |
| Total risk-based capital ratio | 11.4257% | 6,833 |
| Memoranda: | ||
| Average total assets | $92,054,500 | 5,151 |
| Average earning assets | $78,491,000 | 5,288 |
| Average equity | $10,948,500 | 4,832 |
| Average total loans | $68,885,000 | 4,485 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2492% | 1,878 |
| Cost of funding earning assets | 1.2454% | 1,761 |
| Net interest margin | 4.0038% | 2,857 |
| Noninterest income to average assets | -1.0168% | 7,324 |
| Noninterest expense to average assets | 2.9688% | 3,704 |
| Loan and lease loss provision to assets | 0.7412% | 1,365 |
| Net operating income to assets | -1.0805% | 6,776 |
| Return on assets (ROA) | -1.0606% | 6,791 |
| Pretax return on assets | -1.2829% | 6,837 |
| Return on Equity (ROE) | -9.0932% | 6,716 |
| Retained earnings to average equity (ytd only) | -9.0932% | 6,674 |
| Net charge-offs to loans | 3.2127% | 273 |
| Credit loss provision to net charge-offs | 30.5245% | 5,777 |
| Earnings coverage of net charge-offs (x) | -0.2330% | 5,975 |
| Efficiency ratio | 123.5447% | 278 |
| Assets per employee ($millions) | 5.4691% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7278% | 1,055 |
| Loan loss allowance to noncurrent loans | 73.0276% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 8.8702% | 412 |
| Noncurrent loans to loans | 3.7353% | 1,686 |
| Net loans and leases to total assets | 72.0675% | 1,636 |
| Net loans and leases to deposits | 82.6068% | 2,121 |
| Net loans and leases to core deposits | 85.0726% | 2,744 |
| Total domestic deposits to total assets | 87.2416% | 2,617 |
| Equity capital to assets | 11.9603% | 2,155 |
| Core capital (leverage) ratio | 8.9041% | 4,931 |
| Tier 1 risk-based capital ratio | 10.4848% | 6,690 |
| Total risk-based capital ratio | 11.7503% | 6,662 |
| Memoranda: | ||
| Average total assets | $95,795,000 | 5,018 |
| Average earning assets | $81,821,600 | 5,175 |
| Average equity | $11,173,200 | 4,741 |
| Average total loans | $72,400,600 | 4,400 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 1,953 |
| Cost of funding earning assets | 1.3240% | 1,576 |
| Net interest margin | 3.9527% | 3,143 |
| Noninterest income to average assets | -0.4186% | 7,329 |
| Noninterest expense to average assets | 3.0990% | 3,167 |
| Loan and lease loss provision to assets | 0.4490% | 2,223 |
| Net operating income to assets | -0.3602% | 6,554 |
| Return on assets (ROA) | -0.3399% | 6,588 |
| Pretax return on assets | -0.5568% | 6,658 |
| Return on Equity (ROE) | -2.9320% | 6,559 |
| Retained earnings to average equity (ytd only) | -2.9320% | 6,413 |
| Net charge-offs to loans | 3.2150% | 274 |
| Credit loss provision to net charge-offs | 18.3928% | 5,581 |
| Earnings coverage of net charge-offs (x) | -0.0572% | 5,636 |
| Efficiency ratio | 104.7152% | 532 |
| Assets per employee ($millions) | 4.8805% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8938% | 937 |
| Loan loss allowance to noncurrent loans | 69.7825% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 9.8113% | 373 |
| Noncurrent loans to loans | 4.1469% | 1,589 |
| Net loans and leases to total assets | 74.2920% | 1,279 |
| Net loans and leases to deposits | 85.6651% | 1,723 |
| Net loans and leases to core deposits | 88.5443% | 2,421 |
| Total domestic deposits to total assets | 86.7238% | 2,809 |
| Equity capital to assets | 12.7952% | 1,721 |
| Core capital (leverage) ratio | 9.9644% | 3,485 |
| Tier 1 risk-based capital ratio | 11.7865% | 6,043 |
| Total risk-based capital ratio | 13.0537% | 6,023 |
| Memoranda: | ||
| Average total assets | $96,500,250 | 5,020 |
| Average earning assets | $82,472,500 | 5,204 |
| Average equity | $11,186,500 | 4,763 |
| Average total loans | $73,280,000 | 4,408 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 2,187 |
| Cost of funding earning assets | 1.3767% | 1,517 |
| Net interest margin | 3.8429% | 3,570 |
| Noninterest income to average assets | 0.0655% | 6,976 |
| Noninterest expense to average assets | 3.0504% | 3,430 |
| Loan and lease loss provision to assets | 0.3069% | 2,960 |
| Net operating income to assets | -0.0056% | 6,237 |
| Return on assets (ROA) | 0.0246% | 6,261 |
| Pretax return on assets | 0.0389% | 6,209 |
| Return on Equity (ROE) | 0.2190% | 6,260 |
| Retained earnings to average equity (ytd only) | 0.2190% | 5,750 |
| Net charge-offs to loans | 4.2642% | 174 |
| Credit loss provision to net charge-offs | 9.4997% | 5,252 |
| Earnings coverage of net charge-offs (x) | 0.0925% | 5,221 |
| Efficiency ratio | 91.0812% | 1,160 |
| Assets per employee ($millions) | 4.8825% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8357% | 1,048 |
| Loan loss allowance to noncurrent loans | 55.7174% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 10.5889% | 349 |
| Noncurrent loans to loans | 5.0894% | 1,280 |
| Net loans and leases to total assets | 72.4964% | 1,688 |
| Net loans and leases to deposits | 83.2201% | 2,232 |
| Net loans and leases to core deposits | 85.8564% | 2,932 |
| Total domestic deposits to total assets | 87.1141% | 2,677 |
| Equity capital to assets | 12.4005% | 1,841 |
| Core capital (leverage) ratio | 10.2503% | 2,976 |
| Tier 1 risk-based capital ratio | 12.0009% | 5,788 |
| Total risk-based capital ratio | 13.2671% | 5,739 |
| Memoranda: | ||
| Average total assets | $97,757,000 | 5,029 |
| Average earning assets | $83,531,330 | 5,210 |
| Average equity | $10,960,330 | 4,811 |
| Average total loans | $74,058,670 | 4,429 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1943% | 2,243 |
| Cost of funding earning assets | 1.4327% | 1,458 |
| Net interest margin | 3.7616% | 3,791 |
| Noninterest income to average assets | 0.1799% | 6,434 |
| Noninterest expense to average assets | 3.0467% | 3,462 |
| Loan and lease loss provision to assets | 0.3067% | 2,714 |
| Net operating income to assets | 0.0204% | 6,308 |
| Return on assets (ROA) | 0.0204% | 6,342 |
| Pretax return on assets | 0.0368% | 6,288 |
| Return on Equity (ROE) | 0.1926% | 6,348 |
| Retained earnings to average equity (ytd only) | 0.1926% | 5,737 |
| Net charge-offs to loans | 3.4986% | 286 |
| Credit loss provision to net charge-offs | 11.4855% | 4,367 |
| Earnings coverage of net charge-offs (x) | 0.1286% | 4,503 |
| Efficiency ratio | 89.8673% | 1,345 |
| Assets per employee ($millions) | 4.8019% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9445% | 430 |
| Loan loss allowance to noncurrent loans | 58.1539% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 11.7693% | 284 |
| Noncurrent loans to loans | 6.7829% | 839 |
| Net loans and leases to total assets | 73.9645% | 1,350 |
| Net loans and leases to deposits | 83.2023% | 2,157 |
| Net loans and leases to core deposits | 85.8230% | 2,898 |
| Total domestic deposits to total assets | 88.8971% | 1,839 |
| Equity capital to assets | 10.7416% | 2,941 |
| Core capital (leverage) ratio | 8.6775% | 5,127 |
| Tier 1 risk-based capital ratio | 10.0669% | 6,984 |
| Total risk-based capital ratio | 11.3455% | 6,972 |
| Memoranda: | ||
| Average total assets | $97,811,000 | 5,063 |
| Average earning assets | $83,476,000 | 5,251 |
| Average equity | $10,386,000 | 4,946 |
| Average total loans | $74,659,000 | 4,437 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3629% | 2,844 |
| Cost of funding earning assets | 1.5995% | 2,070 |
| Net interest margin | 3.7634% | 4,094 |
| Noninterest income to average assets | 0.8762% | 1,942 |
| Noninterest expense to average assets | 2.8334% | 4,464 |
| Loan and lease loss provision to assets | 0.9501% | 1,714 |
| Net operating income to assets | 0.3878% | 4,598 |
| Return on assets (ROA) | 0.4322% | 4,549 |
| Pretax return on assets | 0.4617% | 4,757 |
| Return on Equity (ROE) | 4.2698% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.2698% | 2,856 |
| Net charge-offs to loans | 1.8998% | 1,081 |
| Credit loss provision to net charge-offs | 61.8193% | 6,054 |
| Earnings coverage of net charge-offs (x) | 0.8879% | 5,231 |
| Efficiency ratio | 67.4953% | 4,670 |
| Assets per employee ($millions) | 4.7421% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6373% | 249 |
| Loan loss allowance to noncurrent loans | 73.3781% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 10.5539% | 369 |
| Noncurrent loans to loans | 6.3197% | 967 |
| Net loans and leases to total assets | 72.1722% | 2,065 |
| Net loans and leases to deposits | 80.8868% | 3,015 |
| Net loans and leases to core deposits | 83.8069% | 3,625 |
| Total domestic deposits to total assets | 89.2262% | 1,527 |
| Equity capital to assets | 10.4997% | 3,155 |
| Core capital (leverage) ratio | 8.3069% | 5,676 |
| Tier 1 risk-based capital ratio | 9.9608% | 6,998 |
| Total risk-based capital ratio | 11.2481% | 6,968 |
| Memoranda: | ||
| Average total assets | $101,573,000 | 4,936 |
| Average earning assets | $89,653,400 | 5,030 |
| Average equity | $10,281,600 | 5,046 |
| Average total loans | $82,166,400 | 4,273 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5245% | 2,339 |
| Cost of funding earning assets | 1.6171% | 2,292 |
| Net interest margin | 3.9074% | 3,504 |
| Noninterest income to average assets | 0.5852% | 3,540 |
| Noninterest expense to average assets | 2.9404% | 3,944 |
| Loan and lease loss provision to assets | 0.6205% | 2,458 |
| Net operating income to assets | 0.3008% | 5,160 |
| Return on assets (ROA) | 0.3409% | 5,179 |
| Pretax return on assets | 0.5591% | 4,727 |
| Return on Equity (ROE) | 3.3990% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.3990% | 4,058 |
| Net charge-offs to loans | 2.0159% | 936 |
| Credit loss provision to net charge-offs | 37.4606% | 6,047 |
| Earnings coverage of net charge-offs (x) | 0.6743% | 5,370 |
| Efficiency ratio | 72.4726% | 3,614 |
| Assets per employee ($millions) | 4.8694% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1490% | 326 |
| Loan loss allowance to noncurrent loans | 99.3972% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 8.9920% | 506 |
| Noncurrent loans to loans | 4.1742% | 1,759 |
| Net loans and leases to total assets | 74.5086% | 1,689 |
| Net loans and leases to deposits | 83.4165% | 2,807 |
| Net loans and leases to core deposits | 86.5640% | 3,578 |
| Total domestic deposits to total assets | 89.3211% | 1,219 |
| Equity capital to assets | 10.1801% | 3,904 |
| Core capital (leverage) ratio | 8.6278% | 5,299 |
| Tier 1 risk-based capital ratio | 9.6412% | 7,213 |
| Total risk-based capital ratio | 10.9232% | 7,189 |
| Memoranda: | ||
| Average total assets | $102,070,250 | 4,988 |
| Average earning assets | $90,697,000 | 5,046 |
| Average equity | $10,238,000 | 5,126 |
| Average total loans | $83,866,250 | 4,290 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4982% | 2,521 |
| Cost of funding earning assets | 1.6429% | 2,422 |
| Net interest margin | 3.8553% | 3,654 |
| Noninterest income to average assets | 0.5862% | 3,438 |
| Noninterest expense to average assets | 2.7214% | 4,829 |
| Loan and lease loss provision to assets | 0.6862% | 2,111 |
| Net operating income to assets | 0.3921% | 4,787 |
| Return on assets (ROA) | 0.3921% | 4,946 |
| Pretax return on assets | 0.6431% | 4,425 |
| Return on Equity (ROE) | 3.9290% | 4,812 |
| Retained earnings to average equity (ytd only) | 3.9290% | 3,584 |
| Net charge-offs to loans | 1.6689% | 1,127 |
| Credit loss provision to net charge-offs | 49.1573% | 5,441 |
| Earnings coverage of net charge-offs (x) | 0.9522% | 4,825 |
| Efficiency ratio | 67.1830% | 4,730 |
| Assets per employee ($millions) | 4.5395% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5338% | 246 |
| Loan loss allowance to noncurrent loans | 62.5461% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 11.0034% | 322 |
| Noncurrent loans to loans | 7.2488% | 753 |
| Net loans and leases to total assets | 78.6220% | 1,021 |
| Net loans and leases to deposits | 88.2266% | 2,136 |
| Net loans and leases to core deposits | 91.1602% | 3,100 |
| Total domestic deposits to total assets | 89.1137% | 1,371 |
| Equity capital to assets | 10.4086% | 3,517 |
| Core capital (leverage) ratio | 8.4825% | 5,436 |
| Tier 1 risk-based capital ratio | 9.1010% | 7,392 |
| Total risk-based capital ratio | 10.3865% | 7,386 |
| Memoranda: | ||
| Average total assets | $102,007,670 | 5,020 |
| Average earning assets | $91,667,000 | 5,042 |
| Average equity | $10,180,670 | 5,149 |
| Average total loans | $85,325,330 | 4,280 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 3,164 |
| Cost of funding earning assets | 1.6635% | 2,579 |
| Net interest margin | 3.7119% | 4,181 |
| Noninterest income to average assets | 0.5394% | 3,736 |
| Noninterest expense to average assets | 2.6931% | 4,935 |
| Loan and lease loss provision to assets | 0.1940% | 4,558 |
| Net operating income to assets | 0.6209% | 3,799 |
| Return on assets (ROA) | 0.6209% | 3,933 |
| Pretax return on assets | 1.0206% | 3,009 |
| Return on Equity (ROE) | 6.3533% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.3533% | 2,442 |
| Net charge-offs to loans | 1.2111% | 1,402 |
| Credit loss provision to net charge-offs | 19.0114% | 4,959 |
| Earnings coverage of net charge-offs (x) | 1.1901% | 4,055 |
| Efficiency ratio | 68.9176% | 4,523 |
| Assets per employee ($millions) | 4.1782% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5057% | 252 |
| Loan loss allowance to noncurrent loans | 43.0411% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 11.0015% | 333 |
| Noncurrent loans to loans | 10.4685% | 394 |
| Net loans and leases to total assets | 81.9630% | 598 |
| Net loans and leases to deposits | 91.6951% | 1,655 |
| Net loans and leases to core deposits | 95.3790% | 2,654 |
| Total domestic deposits to total assets | 89.3864% | 1,307 |
| Equity capital to assets | 10.2287% | 3,563 |
| Core capital (leverage) ratio | 8.3037% | 5,733 |
| Tier 1 risk-based capital ratio | 8.7868% | 7,517 |
| Total risk-based capital ratio | 10.0735% | 7,534 |
| Memoranda: | ||
| Average total assets | $103,077,000 | 5,058 |
| Average earning assets | $93,538,000 | 5,064 |
| Average equity | $10,073,500 | 5,216 |
| Average total loans | $86,864,000 | 4,294 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 4,558 |
| Cost of funding earning assets | 2.1410% | 2,272 |
| Net interest margin | 3.2856% | 5,798 |
| Noninterest income to average assets | 0.5190% | 4,271 |
| Noninterest expense to average assets | 3.1119% | 3,684 |
| Loan and lease loss provision to assets | 3.9664% | 347 |
| Net operating income to assets | -2.1516% | 7,147 |
| Return on assets (ROA) | -2.1343% | 7,138 |
| Pretax return on assets | -3.4987% | 7,423 |
| Return on Equity (ROE) | -25.4712% | 7,301 |
| Retained earnings to average equity (ytd only) | -25.4712% | 7,278 |
| Net charge-offs to loans | 2.6259% | 860 |
| Credit loss provision to net charge-offs | 172.5352% | 2,461 |
| Earnings coverage of net charge-offs (x) | 0.1917% | 5,953 |
| Efficiency ratio | 87.5949% | 1,921 |
| Assets per employee ($millions) | 4.4115% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6669% | 216 |
| Loan loss allowance to noncurrent loans | 46.0232% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 10.3054% | 346 |
| Noncurrent loans to loans | 10.1403% | 402 |
| Net loans and leases to total assets | 78.9303% | 1,199 |
| Net loans and leases to deposits | 87.4894% | 2,647 |
| Net loans and leases to core deposits | 201.7746% | 98 |
| Total domestic deposits to total assets | 90.2169% | 873 |
| Equity capital to assets | 9.3410% | 4,649 |
| Core capital (leverage) ratio | 7.2024% | 7,067 |
| Tier 1 risk-based capital ratio | 8.1361% | 7,634 |
| Total risk-based capital ratio | 9.4240% | 7,644 |
| Memoranda: | ||
| Average total assets | $111,184,600 | 4,791 |
| Average earning assets | $102,660,800 | 4,770 |
| Average equity | $9,316,400 | 5,501 |
| Average total loans | $97,339,400 | 4,023 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 4,812 |
| Cost of funding earning assets | 2.2383% | 2,240 |
| Net interest margin | 3.1886% | 6,063 |
| Noninterest income to average assets | 0.7181% | 2,898 |
| Noninterest expense to average assets | 2.7860% | 4,947 |
| Loan and lease loss provision to assets | 1.0014% | 1,918 |
| Net operating income to assets | -0.0713% | 5,846 |
| Return on assets (ROA) | -0.0486% | 5,848 |
| Pretax return on assets | -0.0794% | 5,816 |
| Return on Equity (ROE) | -0.5960% | 5,868 |
| Retained earnings to average equity (ytd only) | -0.5960% | 5,377 |
| Net charge-offs to loans | 1.7562% | 1,149 |
| Credit loss provision to net charge-offs | 64.3075% | 6,098 |
| Earnings coverage of net charge-offs (x) | 0.5693% | 5,464 |
| Efficiency ratio | 75.8632% | 3,538 |
| Assets per employee ($millions) | 4.4563% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 2,013 |
| Loan loss allowance to noncurrent loans | 17.2269% | 7,225 |
| Noncurrent assets plus other real estate owned to assets | 11.1733% | 272 |
| Noncurrent loans to loans | 11.0689% | 327 |
| Net loans and leases to total assets | 81.6378% | 875 |
| Net loans and leases to deposits | 94.2410% | 1,847 |
| Net loans and leases to core deposits | 206.7867% | 88 |
| Total domestic deposits to total assets | 86.6266% | 2,366 |
| Equity capital to assets | 8.2247% | 6,611 |
| Core capital (leverage) ratio | 8.1225% | 6,147 |
| Tier 1 risk-based capital ratio | 9.2010% | 7,537 |
| Total risk-based capital ratio | 10.4697% | 7,524 |
| Memoranda: | ||
| Average total assets | $112,511,500 | 4,791 |
| Average earning assets | $104,245,000 | 4,761 |
| Average equity | $9,173,000 | 5,606 |
| Average total loans | $99,759,250 | 3,992 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6687% | 3,722 |
| Cost of funding earning assets | 2.3890% | 2,007 |
| Net interest margin | 3.2797% | 5,628 |
| Noninterest income to average assets | 0.8629% | 2,133 |
| Noninterest expense to average assets | 2.8703% | 4,635 |
| Loan and lease loss provision to assets | 0.6113% | 2,607 |
| Net operating income to assets | 0.2569% | 5,060 |
| Return on assets (ROA) | 0.2569% | 5,158 |
| Pretax return on assets | 0.4217% | 4,870 |
| Return on Equity (ROE) | 3.1603% | 4,840 |
| Retained earnings to average equity (ytd only) | 3.1603% | 3,558 |
| Net charge-offs to loans | -0.0020% | 7,479 |
| Credit loss provision to net charge-offs | -34,500.0000% | 7,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5361% | 4,106 |
| Assets per employee ($millions) | 4.0860% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6045% | 818 |
| Loan loss allowance to noncurrent loans | 24.2969% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 9.8438% | 304 |
| Noncurrent loans to loans | 10.7197% | 302 |
| Net loans and leases to total assets | 87.5520% | 268 |
| Net loans and leases to deposits | 101.6320% | 1,105 |
| Net loans and leases to core deposits | 159.5869% | 460 |
| Total domestic deposits to total assets | 86.1461% | 2,712 |
| Equity capital to assets | 8.4670% | 6,096 |
| Core capital (leverage) ratio | 8.0086% | 6,315 |
| Tier 1 risk-based capital ratio | 8.8732% | 7,757 |
| Total risk-based capital ratio | 10.1484% | 7,783 |
| Memoranda: | ||
| Average total assets | $112,879,330 | 4,803 |
| Average earning assets | $104,644,330 | 4,768 |
| Average equity | $9,176,330 | 5,619 |
| Average total loans | $102,106,000 | 3,961 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7923% | 3,340 |
| Cost of funding earning assets | 2.5110% | 1,876 |
| Net interest margin | 3.2813% | 5,573 |
| Noninterest income to average assets | 0.7568% | 2,562 |
| Noninterest expense to average assets | 2.7155% | 4,930 |
| Loan and lease loss provision to assets | 0.3329% | 3,328 |
| Net operating income to assets | 0.4590% | 4,617 |
| Return on assets (ROA) | 0.4590% | 4,795 |
| Pretax return on assets | 0.7533% | 4,246 |
| Return on Equity (ROE) | 5.7620% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.7620% | 2,747 |
| Net charge-offs to loans | 0.0077% | 5,559 |
| Credit loss provision to net charge-offs | 4,750.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 282 |
| Efficiency ratio | 71.4286% | 4,282 |
| Assets per employee ($millions) | 4.1110% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 1,051 |
| Loan loss allowance to noncurrent loans | 49.2913% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 4.1066% | 1,236 |
| Noncurrent loans to loans | 4.5202% | 1,267 |
| Net loans and leases to total assets | 88.8244% | 204 |
| Net loans and leases to deposits | 104.6092% | 972 |
| Net loans and leases to core deposits | 136.3490% | 1,281 |
| Total domestic deposits to total assets | 84.9107% | 3,251 |
| Equity capital to assets | 8.1133% | 6,659 |
| Core capital (leverage) ratio | 7.9729% | 6,505 |
| Tier 1 risk-based capital ratio | 8.4570% | 7,949 |
| Total risk-based capital ratio | 9.7180% | 7,986 |
| Memoranda: | ||
| Average total assets | $114,157,500 | 4,797 |
| Average earning assets | $105,934,000 | 4,750 |
| Average equity | $9,094,000 | 5,673 |
| Average total loans | $103,572,500 | 3,947 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6066% | 2,454 |
| Cost of funding earning assets | 3.3208% | 870 |
| Net interest margin | 3.2858% | 6,086 |
| Noninterest income to average assets | 0.6158% | 3,738 |
| Noninterest expense to average assets | 2.6951% | 5,290 |
| Loan and lease loss provision to assets | 1.9501% | 630 |
| Net operating income to assets | -0.6060% | 7,008 |
| Return on assets (ROA) | -0.6060% | 6,902 |
| Pretax return on assets | -0.9927% | 6,996 |
| Return on Equity (ROE) | -6.6466% | 7,013 |
| Retained earnings to average equity (ytd only) | -6.6466% | 6,746 |
| Net charge-offs to loans | 0.7566% | 1,638 |
| Credit loss provision to net charge-offs | 290.3790% | 1,563 |
| Earnings coverage of net charge-offs (x) | 1.4257% | 5,405 |
| Efficiency ratio | 73.7872% | 3,620 |
| Assets per employee ($millions) | 4.3541% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 969 |
| Loan loss allowance to noncurrent loans | 77.4853% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 2.5502% | 1,900 |
| Noncurrent loans to loans | 2.8146% | 1,928 |
| Net loans and leases to total assets | 88.6288% | 311 |
| Net loans and leases to deposits | 104.0874% | 1,332 |
| Net loans and leases to core deposits | 124.7051% | 2,271 |
| Total domestic deposits to total assets | 85.1484% | 2,775 |
| Equity capital to assets | 7.8167% | 7,076 |
| Core capital (leverage) ratio | 7.7194% | 6,898 |
| Tier 1 risk-based capital ratio | 8.1635% | 8,055 |
| Total risk-based capital ratio | 9.4240% | 8,095 |
| Memoranda: | ||
| Average total assets | $102,148,200 | 4,988 |
| Average earning assets | $94,405,800 | 4,961 |
| Average equity | $9,313,000 | 5,628 |
| Average total loans | $90,670,600 | 4,206 |