Home > Hantz Bank > Performance and Condition Ratios
Hantz Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 4,041 |
| Cost of funding earning assets | 0.2591% | 4,958 |
| Net interest margin | 3.8772% | 2,259 |
| Noninterest income to average assets | 0.4829% | 2,665 |
| Noninterest expense to average assets | 3.2710% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8616% | 3,397 |
| Return on assets (ROA) | 0.8616% | 3,447 |
| Pretax return on assets | 0.9815% | 3,506 |
| Return on Equity (ROE) | 6.6657% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.6657% | 2,172 |
| Net charge-offs to loans | -0.0225% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9199% | 1,388 |
| Assets per employee ($millions) | 3.3155% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,011 |
| Loan loss allowance to noncurrent loans | 1,833.0000% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 4,619 |
| Noncurrent loans to loans | 0.0512% | 4,540 |
| Net loans and leases to total assets | 84.6286% | 318 |
| Net loans and leases to deposits | 97.7467% | 806 |
| Net loans and leases to core deposits | 108.3627% | 1,037 |
| Total domestic deposits to total assets | 86.5795% | 2,015 |
| Equity capital to assets | 13.1198% | 1,386 |
| Core capital (leverage) ratio | 12.2053% | 1,660 |
| Tier 1 risk-based capital ratio | 18.6868% | 1,610 |
| Total risk-based capital ratio | 19.9370% | 1,574 |
| Memoranda: | ||
| Average total assets | $230,265,500 | 2,637 |
| Average earning assets | $223,871,500 | 2,565 |
| Average equity | $29,764,500 | 2,417 |
| Average total loans | $195,758,500 | 2,238 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 3,730 |
| Cost of funding earning assets | 0.2430% | 4,832 |
| Net interest margin | 3.8610% | 2,464 |
| Noninterest income to average assets | 0.9715% | 1,004 |
| Noninterest expense to average assets | 3.9455% | 577 |
| Loan and lease loss provision to assets | -0.1994% | 5,331 |
| Net operating income to assets | 0.7544% | 3,953 |
| Return on assets (ROA) | 0.7544% | 3,959 |
| Pretax return on assets | 0.9565% | 3,736 |
| Return on Equity (ROE) | 5.9593% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.9593% | 2,218 |
| Net charge-offs to loans | -0.0724% | 5,075 |
| Credit loss provision to net charge-offs | 314.6853% | 991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9001% | 658 |
| Assets per employee ($millions) | 3.2643% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 4,049 |
| Loan loss allowance to noncurrent loans | 4,140.9091% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 4,787 |
| Noncurrent loans to loans | 0.0224% | 4,681 |
| Net loans and leases to total assets | 83.8179% | 430 |
| Net loans and leases to deposits | 96.6261% | 1,012 |
| Net loans and leases to core deposits | 108.6867% | 1,074 |
| Total domestic deposits to total assets | 86.7446% | 1,897 |
| Equity capital to assets | 12.7350% | 1,467 |
| Core capital (leverage) ratio | 12.3308% | 1,547 |
| Tier 1 risk-based capital ratio | 17.2778% | 1,959 |
| Total risk-based capital ratio | 18.4654% | 1,940 |
| Memoranda: | ||
| Average total assets | $225,727,800 | 2,644 |
| Average earning assets | $218,129,600 | 2,577 |
| Average equity | $28,577,000 | 2,425 |
| Average total loans | $197,463,200 | 2,190 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 3,580 |
| Cost of funding earning assets | 0.2435% | 4,824 |
| Net interest margin | 3.8715% | 2,399 |
| Noninterest income to average assets | 1.0715% | 825 |
| Noninterest expense to average assets | 3.9776% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6440% | 4,382 |
| Return on assets (ROA) | 0.6440% | 4,392 |
| Pretax return on assets | 0.8289% | 4,224 |
| Return on Equity (ROE) | 5.0947% | 4,529 |
| Retained earnings to average equity (ytd only) | 5.0947% | 3,183 |
| Net charge-offs to loans | -0.0667% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7539% | 722 |
| Assets per employee ($millions) | 2.8503% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,050 |
| Loan loss allowance to noncurrent loans | 4,951.1111% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 4,888 |
| Noncurrent loans to loans | 0.0227% | 4,801 |
| Net loans and leases to total assets | 90.3685% | 61 |
| Net loans and leases to deposits | 104.8297% | 497 |
| Net loans and leases to core deposits | 119.4038% | 592 |
| Total domestic deposits to total assets | 86.2051% | 2,096 |
| Equity capital to assets | 13.3379% | 1,196 |
| Core capital (leverage) ratio | 11.7764% | 1,932 |
| Tier 1 risk-based capital ratio | 16.1870% | 2,382 |
| Total risk-based capital ratio | 17.4383% | 2,325 |
| Memoranda: | ||
| Average total assets | $224,219,250 | 2,670 |
| Average earning assets | $216,308,000 | 2,602 |
| Average equity | $28,342,500 | 2,442 |
| Average total loans | $197,809,000 | 2,202 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 3,741 |
| Cost of funding earning assets | 0.2290% | 4,863 |
| Net interest margin | 3.7857% | 2,615 |
| Noninterest income to average assets | 1.1272% | 755 |
| Noninterest expense to average assets | 4.0088% | 524 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5883% | 4,530 |
| Return on assets (ROA) | 0.5883% | 4,530 |
| Pretax return on assets | 0.7638% | 4,354 |
| Return on Equity (ROE) | 4.7374% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.7374% | 3,215 |
| Net charge-offs to loans | -0.0799% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9956% | 686 |
| Assets per employee ($millions) | 2.8990% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,141 |
| Loan loss allowance to noncurrent loans | 348.8152% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 3,668 |
| Noncurrent loans to loans | 0.3217% | 3,555 |
| Net loans and leases to total assets | 84.9500% | 362 |
| Net loans and leases to deposits | 97.4168% | 1,005 |
| Net loans and leases to core deposits | 105.0825% | 1,307 |
| Total domestic deposits to total assets | 87.2027% | 1,757 |
| Equity capital to assets | 12.4336% | 1,574 |
| Core capital (leverage) ratio | 12.2979% | 1,542 |
| Tier 1 risk-based capital ratio | 17.7195% | 1,884 |
| Total risk-based capital ratio | 18.9716% | 1,837 |
| Memoranda: | ||
| Average total assets | $226,751,330 | 2,666 |
| Average earning assets | $218,350,330 | 2,597 |
| Average equity | $28,159,000 | 2,466 |
| Average total loans | $197,749,670 | 2,208 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 3,264 |
| Cost of funding earning assets | 0.2091% | 4,961 |
| Net interest margin | 3.8820% | 2,113 |
| Noninterest income to average assets | 0.9662% | 988 |
| Noninterest expense to average assets | 3.8366% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6684% | 4,218 |
| Return on assets (ROA) | 0.6684% | 4,222 |
| Pretax return on assets | 0.8492% | 4,014 |
| Return on Equity (ROE) | 5.3856% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.3856% | 2,999 |
| Net charge-offs to loans | -0.0625% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8767% | 956 |
| Assets per employee ($millions) | 2.8937% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,665 |
| Loan loss allowance to noncurrent loans | 327.7693% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 2,617 |
| Noncurrent loans to loans | 0.3203% | 3,616 |
| Net loans and leases to total assets | 89.0597% | 90 |
| Net loans and leases to deposits | 101.9933% | 578 |
| Net loans and leases to core deposits | 110.2576% | 991 |
| Total domestic deposits to total assets | 87.3191% | 2,000 |
| Equity capital to assets | 12.3301% | 1,584 |
| Core capital (leverage) ratio | 12.1740% | 1,545 |
| Tier 1 risk-based capital ratio | 17.0278% | 2,111 |
| Total risk-based capital ratio | 18.2795% | 2,062 |
| Memoranda: | ||
| Average total assets | $225,615,000 | 2,702 |
| Average earning assets | $216,178,000 | 2,637 |
| Average equity | $28,000,500 | 2,494 |
| Average total loans | $198,242,500 | 2,208 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 2,219 |
| Cost of funding earning assets | 0.1880% | 5,041 |
| Net interest margin | 4.1487% | 1,305 |
| Noninterest income to average assets | 1.6597% | 389 |
| Noninterest expense to average assets | 3.9742% | 553 |
| Loan and lease loss provision to assets | -0.0897% | 5,465 |
| Net operating income to assets | 1.0002% | 2,243 |
| Return on assets (ROA) | 1.0002% | 2,280 |
| Pretax return on assets | 1.7020% | 1,003 |
| Return on Equity (ROE) | 8.1169% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.1169% | 724 |
| Net charge-offs to loans | 0.0578% | 2,653 |
| Credit loss provision to net charge-offs | -185.7143% | 4,784 |
| Earnings coverage of net charge-offs (x) | 33.3905% | 1,437 |
| Efficiency ratio | 71.1393% | 2,373 |
| Assets per employee ($millions) | 2.7859% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 3,262 |
| Loan loss allowance to noncurrent loans | 6,082.8571% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 3,671 |
| Noncurrent loans to loans | 0.0184% | 4,940 |
| Net loans and leases to total assets | 84.6250% | 380 |
| Net loans and leases to deposits | 97.4073% | 950 |
| Net loans and leases to core deposits | 105.1768% | 1,333 |
| Total domestic deposits to total assets | 86.8774% | 2,053 |
| Equity capital to assets | 12.4432% | 1,551 |
| Core capital (leverage) ratio | 12.1687% | 1,519 |
| Tier 1 risk-based capital ratio | 15.6236% | 2,574 |
| Total risk-based capital ratio | 16.8738% | 2,514 |
| Memoranda: | ||
| Average total assets | $217,453,400 | 2,749 |
| Average earning assets | $205,825,000 | 2,715 |
| Average equity | $26,795,800 | 2,557 |
| Average total loans | $181,580,000 | 2,310 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 1,913 |
| Cost of funding earning assets | 0.1884% | 5,066 |
| Net interest margin | 4.2294% | 1,084 |
| Noninterest income to average assets | 1.8257% | 356 |
| Noninterest expense to average assets | 3.9660% | 541 |
| Loan and lease loss provision to assets | 0.0339% | 3,442 |
| Net operating income to assets | 1.1926% | 1,726 |
| Return on assets (ROA) | 1.1926% | 1,759 |
| Pretax return on assets | 1.8287% | 826 |
| Return on Equity (ROE) | 9.7029% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.7029% | 651 |
| Net charge-offs to loans | 0.0959% | 1,829 |
| Credit loss provision to net charge-offs | 42.6357% | 2,988 |
| Earnings coverage of net charge-offs (x) | 23.4025% | 1,816 |
| Efficiency ratio | 68.0428% | 2,867 |
| Assets per employee ($millions) | 2.8801% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,246 |
| Loan loss allowance to noncurrent loans | 220.9193% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 3,009 |
| Noncurrent loans to loans | 0.5993% | 2,912 |
| Net loans and leases to total assets | 84.6464% | 373 |
| Net loans and leases to deposits | 98.3769% | 882 |
| Net loans and leases to core deposits | 106.9595% | 1,203 |
| Total domestic deposits to total assets | 86.0430% | 2,291 |
| Equity capital to assets | 13.2592% | 1,272 |
| Core capital (leverage) ratio | 12.3259% | 1,495 |
| Tier 1 risk-based capital ratio | 17.0651% | 2,138 |
| Total risk-based capital ratio | 18.3188% | 2,090 |
| Memoranda: | ||
| Average total assets | $216,099,750 | 2,784 |
| Average earning assets | $204,533,500 | 2,743 |
| Average equity | $26,561,750 | 2,588 |
| Average total loans | $179,292,250 | 2,348 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 1,670 |
| Cost of funding earning assets | 0.1891% | 5,073 |
| Net interest margin | 4.2599% | 952 |
| Noninterest income to average assets | 1.8775% | 347 |
| Noninterest expense to average assets | 3.9295% | 576 |
| Loan and lease loss provision to assets | 0.0502% | 2,982 |
| Net operating income to assets | 1.2538% | 1,425 |
| Return on assets (ROA) | 1.2538% | 1,448 |
| Pretax return on assets | 1.9296% | 612 |
| Return on Equity (ROE) | 10.4607% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.4607% | 512 |
| Net charge-offs to loans | -0.1903% | 5,568 |
| Credit loss provision to net charge-offs | -32.1637% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4967% | 3,265 |
| Assets per employee ($millions) | 2.9730% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 1,653 |
| Loan loss allowance to noncurrent loans | 196.8125% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 2,672 |
| Noncurrent loans to loans | 0.7512% | 2,513 |
| Net loans and leases to total assets | 82.6599% | 584 |
| Net loans and leases to deposits | 95.2098% | 1,154 |
| Net loans and leases to core deposits | 104.4123% | 1,327 |
| Total domestic deposits to total assets | 86.8187% | 2,033 |
| Equity capital to assets | 12.5824% | 1,582 |
| Core capital (leverage) ratio | 11.6960% | 1,832 |
| Tier 1 risk-based capital ratio | 17.0660% | 2,145 |
| Total risk-based capital ratio | 18.3230% | 2,089 |
| Memoranda: | ||
| Average total assets | $219,011,330 | 2,780 |
| Average earning assets | $207,280,330 | 2,730 |
| Average equity | $26,250,670 | 2,613 |
| Average total loans | $179,762,330 | 2,340 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 1,683 |
| Cost of funding earning assets | 0.1854% | 5,109 |
| Net interest margin | 4.2027% | 985 |
| Noninterest income to average assets | 1.9992% | 316 |
| Noninterest expense to average assets | 3.8828% | 613 |
| Loan and lease loss provision to assets | 0.0993% | 1,907 |
| Net operating income to assets | 1.2913% | 1,264 |
| Return on assets (ROA) | 1.2913% | 1,295 |
| Pretax return on assets | 1.9883% | 518 |
| Return on Equity (ROE) | 11.0384% | 1,548 |
| Retained earnings to average equity (ytd only) | 11.0384% | 599 |
| Net charge-offs to loans | -0.2758% | 5,675 |
| Credit loss provision to net charge-offs | -44.3548% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0333% | 3,659 |
| Assets per employee ($millions) | 3.3035% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 1,775 |
| Loan loss allowance to noncurrent loans | 239.7059% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 3,283 |
| Noncurrent loans to loans | 0.6163% | 2,975 |
| Net loans and leases to total assets | 77.4319% | 1,210 |
| Net loans and leases to deposits | 88.6562% | 1,714 |
| Net loans and leases to core deposits | 95.7630% | 1,832 |
| Total domestic deposits to total assets | 87.3395% | 2,056 |
| Equity capital to assets | 11.6954% | 2,041 |
| Core capital (leverage) ratio | 11.5513% | 1,907 |
| Tier 1 risk-based capital ratio | 17.0089% | 2,177 |
| Total risk-based capital ratio | 18.2657% | 2,131 |
| Memoranda: | ||
| Average total assets | $221,490,500 | 2,776 |
| Average earning assets | $209,294,000 | 2,729 |
| Average equity | $25,909,500 | 2,647 |
| Average total loans | $179,848,000 | 2,361 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 1,158 |
| Cost of funding earning assets | 0.2151% | 4,883 |
| Net interest margin | 4.4392% | 711 |
| Noninterest income to average assets | 2.2306% | 292 |
| Noninterest expense to average assets | 3.9761% | 624 |
| Loan and lease loss provision to assets | 0.4069% | 377 |
| Net operating income to assets | 1.2980% | 1,217 |
| Return on assets (ROA) | 1.2980% | 1,291 |
| Pretax return on assets | 1.9965% | 507 |
| Return on Equity (ROE) | 11.4919% | 1,407 |
| Retained earnings to average equity (ytd only) | 11.4919% | 259 |
| Net charge-offs to loans | 0.5014% | 488 |
| Credit loss provision to net charge-offs | 99.4233% | 2,620 |
| Earnings coverage of net charge-offs (x) | 5.8731% | 3,266 |
| Efficiency ratio | 62.2965% | 4,203 |
| Assets per employee ($millions) | 3.0326% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 2,396 |
| Loan loss allowance to noncurrent loans | 216.4884% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 3,209 |
| Noncurrent loans to loans | 0.6126% | 3,015 |
| Net loans and leases to total assets | 82.7676% | 511 |
| Net loans and leases to deposits | 94.6113% | 1,129 |
| Net loans and leases to core deposits | 104.9703% | 1,209 |
| Total domestic deposits to total assets | 87.4817% | 1,889 |
| Equity capital to assets | 11.7003% | 2,010 |
| Core capital (leverage) ratio | 11.2196% | 2,155 |
| Tier 1 risk-based capital ratio | 15.3137% | 2,837 |
| Total risk-based capital ratio | 16.5675% | 2,767 |
| Memoranda: | ||
| Average total assets | $211,868,000 | 2,843 |
| Average earning assets | $198,007,000 | 2,814 |
| Average equity | $23,929,800 | 2,804 |
| Average total loans | $172,905,000 | 2,386 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 1,207 |
| Cost of funding earning assets | 0.2191% | 4,884 |
| Net interest margin | 4.4219% | 747 |
| Noninterest income to average assets | 2.1003% | 330 |
| Noninterest expense to average assets | 3.9539% | 625 |
| Loan and lease loss provision to assets | 0.4953% | 253 |
| Net operating income to assets | 1.1687% | 1,733 |
| Return on assets (ROA) | 1.1687% | 1,844 |
| Pretax return on assets | 1.7731% | 946 |
| Return on Equity (ROE) | 10.4451% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.4451% | 495 |
| Net charge-offs to loans | 0.6786% | 281 |
| Credit loss provision to net charge-offs | 90.0807% | 2,524 |
| Earnings coverage of net charge-offs (x) | 4.1257% | 3,312 |
| Efficiency ratio | 63.5446% | 3,994 |
| Assets per employee ($millions) | 2.8244% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 2,531 |
| Loan loss allowance to noncurrent loans | 288.0982% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 3,881 |
| Noncurrent loans to loans | 0.4617% | 3,630 |
| Net loans and leases to total assets | 82.2275% | 584 |
| Net loans and leases to deposits | 94.0087% | 1,254 |
| Net loans and leases to core deposits | 107.0952% | 1,107 |
| Total domestic deposits to total assets | 87.4680% | 1,683 |
| Equity capital to assets | 11.6422% | 2,407 |
| Core capital (leverage) ratio | 11.0388% | 2,410 |
| Tier 1 risk-based capital ratio | 14.9674% | 3,065 |
| Total risk-based capital ratio | 16.2207% | 2,993 |
| Memoranda: | ||
| Average total assets | $210,248,750 | 2,865 |
| Average earning assets | $195,988,750 | 2,846 |
| Average equity | $23,525,500 | 2,862 |
| Average total loans | $170,344,250 | 2,414 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 1,535 |
| Cost of funding earning assets | 0.2221% | 4,918 |
| Net interest margin | 4.2704% | 984 |
| Noninterest income to average assets | 1.6632% | 450 |
| Noninterest expense to average assets | 3.9309% | 656 |
| Loan and lease loss provision to assets | 0.6676% | 166 |
| Net operating income to assets | 0.6761% | 3,923 |
| Return on assets (ROA) | 0.6761% | 4,059 |
| Pretax return on assets | 1.0261% | 3,491 |
| Return on Equity (ROE) | 6.1262% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.1262% | 2,056 |
| Net charge-offs to loans | 1.0304% | 173 |
| Credit loss provision to net charge-offs | 80.7382% | 2,359 |
| Earnings coverage of net charge-offs (x) | 2.0484% | 3,334 |
| Efficiency ratio | 69.8881% | 2,998 |
| Assets per employee ($millions) | 2.8093% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 3,032 |
| Loan loss allowance to noncurrent loans | 159.3113% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 2,973 |
| Noncurrent loans to loans | 0.7895% | 2,777 |
| Net loans and leases to total assets | 84.4704% | 381 |
| Net loans and leases to deposits | 96.0600% | 1,075 |
| Net loans and leases to core deposits | 109.1721% | 970 |
| Total domestic deposits to total assets | 87.9350% | 1,468 |
| Equity capital to assets | 11.1684% | 2,883 |
| Core capital (leverage) ratio | 10.5197% | 2,953 |
| Tier 1 risk-based capital ratio | 12.1431% | 4,741 |
| Total risk-based capital ratio | 13.3933% | 4,656 |
| Memoranda: | ||
| Average total assets | $209,720,670 | 2,889 |
| Average earning assets | $194,549,000 | 2,873 |
| Average equity | $23,146,670 | 2,906 |
| Average total loans | $168,281,330 | 2,433 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 1,807 |
| Cost of funding earning assets | 0.2208% | 4,995 |
| Net interest margin | 4.1764% | 1,152 |
| Noninterest income to average assets | 1.4071% | 565 |
| Noninterest expense to average assets | 3.8178% | 755 |
| Loan and lease loss provision to assets | 0.6309% | 172 |
| Net operating income to assets | 0.5449% | 4,445 |
| Return on assets (ROA) | 0.5449% | 4,547 |
| Pretax return on assets | 0.8278% | 4,112 |
| Return on Equity (ROE) | 4.9665% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.9665% | 2,967 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3551% | 2,750 |
| Assets per employee ($millions) | 2.6974% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 1,414 |
| Loan loss allowance to noncurrent loans | 227.3026% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 3,332 |
| Noncurrent loans to loans | 0.7388% | 2,988 |
| Net loans and leases to total assets | 76.9163% | 1,262 |
| Net loans and leases to deposits | 87.0533% | 1,938 |
| Net loans and leases to core deposits | 100.2422% | 1,463 |
| Total domestic deposits to total assets | 88.3555% | 1,433 |
| Equity capital to assets | 10.9796% | 2,965 |
| Core capital (leverage) ratio | 10.5503% | 2,907 |
| Tier 1 risk-based capital ratio | 13.1980% | 4,142 |
| Total risk-based capital ratio | 14.4533% | 4,068 |
| Memoranda: | ||
| Average total assets | $209,230,500 | 2,903 |
| Average earning assets | $193,853,000 | 2,892 |
| Average equity | $22,954,000 | 2,931 |
| Average total loans | $162,298,500 | 2,504 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 929 |
| Cost of funding earning assets | 0.2183% | 5,111 |
| Net interest margin | 4.5823% | 567 |
| Noninterest income to average assets | 2.4103% | 275 |
| Noninterest expense to average assets | 4.3304% | 469 |
| Loan and lease loss provision to assets | 0.6015% | 177 |
| Net operating income to assets | 1.0357% | 2,189 |
| Return on assets (ROA) | 1.0357% | 2,275 |
| Pretax return on assets | 1.6183% | 1,196 |
| Return on Equity (ROE) | 9.1317% | 2,396 |
| Retained earnings to average equity (ytd only) | 9.1317% | 625 |
| Net charge-offs to loans | -0.0026% | 4,898 |
| Credit loss provision to net charge-offs | -28,750.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0483% | 4,071 |
| Assets per employee ($millions) | 2.8851% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 1,894 |
| Loan loss allowance to noncurrent loans | 193.7898% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 3,262 |
| Noncurrent loans to loans | 0.7850% | 2,822 |
| Net loans and leases to total assets | 75.8526% | 1,446 |
| Net loans and leases to deposits | 85.7382% | 2,161 |
| Net loans and leases to core deposits | 98.7039% | 1,617 |
| Total domestic deposits to total assets | 88.4700% | 1,398 |
| Equity capital to assets | 10.9855% | 2,837 |
| Core capital (leverage) ratio | 10.7236% | 2,686 |
| Tier 1 risk-based capital ratio | 13.7471% | 3,857 |
| Total risk-based capital ratio | 15.0010% | 3,786 |
| Memoranda: | ||
| Average total assets | $191,183,200 | 3,035 |
| Average earning assets | $172,730,600 | 3,084 |
| Average equity | $21,682,800 | 3,008 |
| Average total loans | $151,747,400 | 2,573 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 954 |
| Cost of funding earning assets | 0.2218% | 5,161 |
| Net interest margin | 4.5710% | 572 |
| Noninterest income to average assets | 2.2746% | 301 |
| Noninterest expense to average assets | 4.4109% | 432 |
| Loan and lease loss provision to assets | 0.3172% | 447 |
| Net operating income to assets | 1.0058% | 2,442 |
| Return on assets (ROA) | 1.0058% | 2,534 |
| Pretax return on assets | 1.6445% | 1,255 |
| Return on Equity (ROE) | 8.7917% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.7917% | 978 |
| Net charge-offs to loans | -0.0027% | 4,740 |
| Credit loss provision to net charge-offs | -14,833.3333% | 5,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2103% | 3,501 |
| Assets per employee ($millions) | 2.6725% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 4,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 5,205 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.1906% | 678 |
| Net loans and leases to deposits | 92.7028% | 1,337 |
| Net loans and leases to core deposits | 109.0266% | 929 |
| Total domestic deposits to total assets | 87.5816% | 1,755 |
| Equity capital to assets | 11.7275% | 2,326 |
| Core capital (leverage) ratio | 10.8168% | 2,694 |
| Tier 1 risk-based capital ratio | 13.8028% | 3,964 |
| Total risk-based capital ratio | 14.9545% | 3,954 |
| Memoranda: | ||
| Average total assets | $187,047,000 | 3,115 |
| Average earning assets | $167,691,250 | 3,180 |
| Average equity | $21,398,500 | 3,059 |
| Average total loans | $149,684,000 | 2,613 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7370% | 1,009 |
| Cost of funding earning assets | 0.2193% | 5,260 |
| Net interest margin | 4.5177% | 621 |
| Noninterest income to average assets | 2.1918% | 319 |
| Noninterest expense to average assets | 4.3632% | 471 |
| Loan and lease loss provision to assets | 0.3170% | 454 |
| Net operating income to assets | 0.9348% | 2,714 |
| Return on assets (ROA) | 0.9348% | 2,833 |
| Pretax return on assets | 1.5397% | 1,529 |
| Return on Equity (ROE) | 8.2411% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.2411% | 1,169 |
| Net charge-offs to loans | -0.0027% | 4,631 |
| Credit loss provision to net charge-offs | -14,750.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3557% | 3,432 |
| Assets per employee ($millions) | 2.7706% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 4,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 5,313 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 78.7951% | 960 |
| Net loans and leases to deposits | 89.4988% | 1,659 |
| Net loans and leases to core deposits | 109.4400% | 865 |
| Total domestic deposits to total assets | 88.0404% | 1,635 |
| Equity capital to assets | 11.3570% | 2,524 |
| Core capital (leverage) ratio | 11.1657% | 2,274 |
| Tier 1 risk-based capital ratio | 13.3040% | 4,345 |
| Total risk-based capital ratio | 14.3451% | 4,379 |
| Memoranda: | ||
| Average total assets | $186,145,670 | 3,146 |
| Average earning assets | $165,970,670 | 3,222 |
| Average equity | $21,113,670 | 3,099 |
| Average total loans | $147,649,330 | 2,654 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 875 |
| Cost of funding earning assets | 0.2166% | 5,348 |
| Net interest margin | 4.5753% | 528 |
| Noninterest income to average assets | 2.1042% | 344 |
| Noninterest expense to average assets | 4.3325% | 482 |
| Loan and lease loss provision to assets | 0.3158% | 436 |
| Net operating income to assets | 0.9519% | 2,498 |
| Return on assets (ROA) | 0.9519% | 2,633 |
| Pretax return on assets | 1.5509% | 1,389 |
| Return on Equity (ROE) | 8.3978% | 2,753 |
| Retained earnings to average equity (ytd only) | 8.3978% | 1,415 |
| Net charge-offs to loans | -0.0055% | 4,520 |
| Credit loss provision to net charge-offs | -7,250.0000% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2200% | 3,619 |
| Assets per employee ($millions) | 2.8611% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 5,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,395 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.4274% | 1,149 |
| Net loans and leases to deposits | 86.9857% | 1,726 |
| Net loans and leases to core deposits | 106.0837% | 933 |
| Total domestic deposits to total assets | 87.8620% | 1,900 |
| Equity capital to assets | 11.4454% | 2,518 |
| Core capital (leverage) ratio | 11.1201% | 2,300 |
| Tier 1 risk-based capital ratio | 13.7266% | 4,201 |
| Total risk-based capital ratio | 14.7202% | 4,258 |
| Memoranda: | ||
| Average total assets | $183,634,500 | 3,197 |
| Average earning assets | $164,361,500 | 3,262 |
| Average equity | $20,815,000 | 3,153 |
| Average total loans | $145,370,000 | 2,681 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,258 |
| Cost of funding earning assets | 0.2313% | 5,508 |
| Net interest margin | 4.4864% | 768 |
| Noninterest income to average assets | 1.6656% | 460 |
| Noninterest expense to average assets | 4.6095% | 420 |
| Loan and lease loss provision to assets | 0.3123% | 650 |
| Net operating income to assets | 0.4959% | 4,827 |
| Return on assets (ROA) | 0.4959% | 4,919 |
| Pretax return on assets | 0.7538% | 4,427 |
| Return on Equity (ROE) | 4.4669% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.4669% | 2,996 |
| Net charge-offs to loans | -0.0099% | 5,557 |
| Credit loss provision to net charge-offs | -4,166.6667% | 6,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2707% | 1,887 |
| Assets per employee ($millions) | 2.9710% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 5,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 5,449 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.5064% | 667 |
| Net loans and leases to deposits | 91.2178% | 1,376 |
| Net loans and leases to core deposits | 112.3880% | 674 |
| Total domestic deposits to total assets | 88.2574% | 1,633 |
| Equity capital to assets | 11.2278% | 2,669 |
| Core capital (leverage) ratio | 10.7017% | 2,717 |
| Tier 1 risk-based capital ratio | 12.9948% | 4,734 |
| Total risk-based capital ratio | 13.8887% | 4,865 |
| Memoranda: | ||
| Average total assets | $160,124,600 | 3,488 |
| Average earning assets | $143,121,800 | 3,553 |
| Average equity | $17,775,200 | 3,423 |
| Average total loans | $120,687,200 | 3,024 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 1,202 |
| Cost of funding earning assets | 0.2203% | 5,665 |
| Net interest margin | 4.5245% | 704 |
| Noninterest income to average assets | 1.6454% | 480 |
| Noninterest expense to average assets | 4.5557% | 435 |
| Loan and lease loss provision to assets | 0.3143% | 602 |
| Net operating income to assets | 0.5261% | 4,774 |
| Return on assets (ROA) | 0.5261% | 4,845 |
| Pretax return on assets | 0.8077% | 4,336 |
| Return on Equity (ROE) | 4.7551% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.7551% | 3,239 |
| Net charge-offs to loans | -0.0245% | 5,670 |
| Credit loss provision to net charge-offs | -1,738.0952% | 5,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2235% | 2,020 |
| Assets per employee ($millions) | 2.8032% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 5,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 5,312 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 75.1412% | 1,343 |
| Net loans and leases to deposits | 84.9852% | 2,031 |
| Net loans and leases to core deposits | 105.5039% | 984 |
| Total domestic deposits to total assets | 88.4168% | 1,544 |
| Equity capital to assets | 11.0843% | 2,873 |
| Core capital (leverage) ratio | 10.6193% | 2,905 |
| Tier 1 risk-based capital ratio | 13.9014% | 4,290 |
| Total risk-based capital ratio | 14.8337% | 4,429 |
| Memoranda: | ||
| Average total assets | $154,848,500 | 3,590 |
| Average earning assets | $138,001,500 | 3,660 |
| Average equity | $17,132,000 | 3,527 |
| Average total loans | $114,063,750 | 3,166 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 1,119 |
| Cost of funding earning assets | 0.2164% | 5,786 |
| Net interest margin | 4.5588% | 627 |
| Noninterest income to average assets | 1.5990% | 495 |
| Noninterest expense to average assets | 4.6352% | 405 |
| Loan and lease loss provision to assets | 0.3078% | 632 |
| Net operating income to assets | 0.4683% | 4,936 |
| Return on assets (ROA) | 0.4683% | 5,011 |
| Pretax return on assets | 0.7159% | 4,589 |
| Return on Equity (ROE) | 4.2361% | 5,044 |
| Retained earnings to average equity (ytd only) | 4.2361% | 3,479 |
| Net charge-offs to loans | -0.0441% | 5,814 |
| Credit loss provision to net charge-offs | -958.3333% | 5,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7756% | 1,910 |
| Assets per employee ($millions) | 2.5968% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 5,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 5,317 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 73.9033% | 1,457 |
| Net loans and leases to deposits | 83.2847% | 2,115 |
| Net loans and leases to core deposits | 104.0226% | 1,013 |
| Total domestic deposits to total assets | 88.7357% | 1,510 |
| Equity capital to assets | 10.9266% | 2,950 |
| Core capital (leverage) ratio | 10.4284% | 3,046 |
| Tier 1 risk-based capital ratio | 13.8791% | 4,332 |
| Total risk-based capital ratio | 14.7927% | 4,495 |
| Memoranda: | ||
| Average total assets | $149,465,330 | 3,686 |
| Average earning assets | $133,106,000 | 3,756 |
| Average equity | $16,524,670 | 3,611 |
| Average total loans | $108,870,330 | 3,273 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 1,720 |
| Cost of funding earning assets | 0.2137% | 5,891 |
| Net interest margin | 4.3110% | 976 |
| Noninterest income to average assets | 1.3628% | 623 |
| Noninterest expense to average assets | 4.4691% | 469 |
| Loan and lease loss provision to assets | 0.2897% | 683 |
| Net operating income to assets | 0.2924% | 5,521 |
| Return on assets (ROA) | 0.2924% | 5,565 |
| Pretax return on assets | 0.4441% | 5,324 |
| Return on Equity (ROE) | 2.6282% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.6282% | 4,499 |
| Net charge-offs to loans | -0.0729% | 5,973 |
| Credit loss provision to net charge-offs | -552.6316% | 5,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5175% | 1,611 |
| Assets per employee ($millions) | 2.4882% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 6,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 5,344 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 70.8535% | 1,747 |
| Net loans and leases to deposits | 79.9244% | 2,300 |
| Net loans and leases to core deposits | 102.0668% | 983 |
| Total domestic deposits to total assets | 88.6506% | 1,864 |
| Equity capital to assets | 11.0815% | 2,646 |
| Core capital (leverage) ratio | 10.6383% | 2,772 |
| Tier 1 risk-based capital ratio | 14.6471% | 3,922 |
| Total risk-based capital ratio | 15.5326% | 4,090 |
| Memoranda: | ||
| Average total assets | $144,996,500 | 3,787 |
| Average earning assets | $129,157,500 | 3,855 |
| Average equity | $16,133,000 | 3,678 |
| Average total loans | $104,262,000 | 3,382 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 4,093 |
| Cost of funding earning assets | 0.3297% | 5,325 |
| Net interest margin | 3.6666% | 3,186 |
| Noninterest income to average assets | 3.2405% | 204 |
| Noninterest expense to average assets | 5.5850% | 234 |
| Loan and lease loss provision to assets | 0.2723% | 1,293 |
| Net operating income to assets | 0.6151% | 4,195 |
| Return on assets (ROA) | 0.6151% | 4,310 |
| Pretax return on assets | 0.7771% | 4,236 |
| Return on Equity (ROE) | 5.7695% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.7695% | 2,121 |
| Net charge-offs to loans | 0.0444% | 4,598 |
| Credit loss provision to net charge-offs | 994.2857% | 262 |
| Earnings coverage of net charge-offs (x) | 38.3143% | 981 |
| Efficiency ratio | 82.7908% | 1,776 |
| Assets per employee ($millions) | 2.4684% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 6,257 |
| Loan loss allowance to noncurrent loans | 3,339.1304% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 5,344 |
| Noncurrent loans to loans | 0.0226% | 6,200 |
| Net loans and leases to total assets | 71.8441% | 1,709 |
| Net loans and leases to deposits | 81.2187% | 2,296 |
| Net loans and leases to core deposits | 105.0376% | 853 |
| Total domestic deposits to total assets | 88.4576% | 1,921 |
| Equity capital to assets | 11.1742% | 2,449 |
| Core capital (leverage) ratio | 10.5439% | 2,858 |
| Tier 1 risk-based capital ratio | 14.0058% | 4,294 |
| Total risk-based capital ratio | 14.7791% | 4,577 |
| Memoranda: | ||
| Average total assets | $127,788,600 | 4,118 |
| Average earning assets | $118,283,400 | 4,082 |
| Average equity | $13,623,400 | 4,139 |
| Average total loans | $78,796,800 | 3,975 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 4,620 |
| Cost of funding earning assets | 0.3631% | 5,159 |
| Net interest margin | 3.5024% | 3,872 |
| Noninterest income to average assets | 3.7047% | 189 |
| Noninterest expense to average assets | 5.7224% | 230 |
| Loan and lease loss provision to assets | 0.2601% | 1,360 |
| Net operating income to assets | 0.6562% | 4,090 |
| Return on assets (ROA) | 0.6562% | 4,220 |
| Pretax return on assets | 0.9955% | 3,518 |
| Return on Equity (ROE) | 6.2396% | 4,050 |
| Retained earnings to average equity (ytd only) | 6.2396% | 2,264 |
| Net charge-offs to loans | -0.0128% | 5,941 |
| Credit loss provision to net charge-offs | -3,471.4286% | 6,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3804% | 2,045 |
| Assets per employee ($millions) | 2.2263% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 6,344 |
| Loan loss allowance to noncurrent loans | 158.0717% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 4,377 |
| Noncurrent loans to loans | 0.4831% | 4,991 |
| Net loans and leases to total assets | 70.9458% | 1,793 |
| Net loans and leases to deposits | 80.3812% | 2,359 |
| Net loans and leases to core deposits | 104.9804% | 817 |
| Total domestic deposits to total assets | 88.2617% | 1,960 |
| Equity capital to assets | 11.3798% | 2,399 |
| Core capital (leverage) ratio | 10.4230% | 3,093 |
| Tier 1 risk-based capital ratio | 15.2276% | 3,603 |
| Total risk-based capital ratio | 16.0561% | 3,828 |
| Memoranda: | ||
| Average total assets | $124,561,000 | 4,211 |
| Average earning assets | $116,411,500 | 4,165 |
| Average equity | $13,098,750 | 4,293 |
| Average total loans | $73,033,000 | 4,195 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5247% | 5,643 |
| Cost of funding earning assets | 0.3732% | 5,201 |
| Net interest margin | 3.1516% | 5,121 |
| Noninterest income to average assets | 4.3953% | 172 |
| Noninterest expense to average assets | 5.9070% | 215 |
| Loan and lease loss provision to assets | 0.2243% | 1,689 |
| Net operating income to assets | 0.8453% | 3,073 |
| Return on assets (ROA) | 0.8453% | 3,222 |
| Pretax return on assets | 1.2841% | 2,356 |
| Return on Equity (ROE) | 8.2756% | 2,954 |
| Retained earnings to average equity (ytd only) | 8.2756% | 1,375 |
| Net charge-offs to loans | -0.0210% | 5,986 |
| Credit loss provision to net charge-offs | -1,971.4286% | 6,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1017% | 2,438 |
| Assets per employee ($millions) | 2.1864% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7898% | 6,376 |
| Loan loss allowance to noncurrent loans | 134.8315% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 4,419 |
| Noncurrent loans to loans | 0.5858% | 4,791 |
| Net loans and leases to total assets | 60.4765% | 3,579 |
| Net loans and leases to deposits | 68.3272% | 3,969 |
| Net loans and leases to core deposits | 93.7797% | 1,537 |
| Total domestic deposits to total assets | 88.5101% | 1,907 |
| Equity capital to assets | 11.1240% | 2,634 |
| Core capital (leverage) ratio | 9.9704% | 3,566 |
| Tier 1 risk-based capital ratio | 17.0115% | 2,710 |
| Total risk-based capital ratio | 17.8565% | 2,846 |
| Memoranda: | ||
| Average total assets | $123,040,000 | 4,277 |
| Average earning assets | $117,909,330 | 4,159 |
| Average equity | $12,567,000 | 4,413 |
| Average total loans | $66,606,330 | 4,441 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4084% | 5,921 |
| Cost of funding earning assets | 0.3753% | 5,324 |
| Net interest margin | 3.0331% | 5,477 |
| Noninterest income to average assets | 5.3203% | 136 |
| Noninterest expense to average assets | 5.9354% | 215 |
| Loan and lease loss provision to assets | 0.3436% | 963 |
| Net operating income to assets | 1.2892% | 1,310 |
| Return on assets (ROA) | 1.2892% | 1,411 |
| Pretax return on assets | 1.9501% | 662 |
| Return on Equity (ROE) | 13.2226% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.2226% | 526 |
| Net charge-offs to loans | -0.0452% | 6,088 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7356% | 3,844 |
| Assets per employee ($millions) | 2.1140% | 6,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 6,288 |
| Loan loss allowance to noncurrent loans | 18,900.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 4,977 |
| Noncurrent loans to loans | 0.0047% | 6,499 |
| Net loans and leases to total assets | 50.7296% | 4,889 |
| Net loans and leases to deposits | 57.0135% | 5,137 |
| Net loans and leases to core deposits | 103.6226% | 737 |
| Total domestic deposits to total assets | 88.9782% | 1,698 |
| Equity capital to assets | 10.3210% | 3,773 |
| Core capital (leverage) ratio | 9.4362% | 4,187 |
| Tier 1 risk-based capital ratio | 16.7872% | 2,866 |
| Total risk-based capital ratio | 17.6292% | 3,019 |
| Memoranda: | ||
| Average total assets | $122,249,000 | 4,339 |
| Average earning assets | $117,239,000 | 4,213 |
| Average equity | $11,919,000 | 4,592 |
| Average total loans | $61,926,000 | 4,635 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 5,867 |
| Cost of funding earning assets | 0.3654% | 6,129 |
| Net interest margin | 3.4195% | 4,818 |
| Noninterest income to average assets | 6.8144% | 102 |
| Noninterest expense to average assets | 7.5277% | 124 |
| Loan and lease loss provision to assets | 0.4359% | 1,461 |
| Net operating income to assets | 1.3795% | 1,131 |
| Return on assets (ROA) | 1.3795% | 1,250 |
| Pretax return on assets | 2.0952% | 500 |
| Return on Equity (ROE) | 12.1746% | 1,461 |
| Retained earnings to average equity (ytd only) | 12.1746% | 309 |
| Net charge-offs to loans | 0.2879% | 3,221 |
| Credit loss provision to net charge-offs | 255.0725% | 943 |
| Earnings coverage of net charge-offs (x) | 14.8116% | 1,705 |
| Efficiency ratio | 72.9164% | 3,255 |
| Assets per employee ($millions) | 2.2180% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 6,555 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 4,979 |
| Noncurrent loans to loans | 0.0433% | 6,399 |
| Net loans and leases to total assets | 49.7253% | 5,205 |
| Net loans and leases to deposits | 55.0979% | 5,541 |
| Net loans and leases to core deposits | 85.9247% | 2,318 |
| Total domestic deposits to total assets | 90.2490% | 824 |
| Equity capital to assets | 9.1549% | 5,330 |
| Core capital (leverage) ratio | 10.0660% | 3,314 |
| Tier 1 risk-based capital ratio | 14.8640% | 3,793 |
| Total risk-based capital ratio | 15.5867% | 4,098 |
| Memoranda: | ||
| Average total assets | $80,755,600 | 5,332 |
| Average earning assets | $76,620,000 | 5,222 |
| Average equity | $9,150,200 | 5,187 |
| Average total loans | $47,925,000 | 5,183 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 5,449 |
| Cost of funding earning assets | 0.3898% | 6,174 |
| Net interest margin | 3.6339% | 4,081 |
| Noninterest income to average assets | 6.5405% | 102 |
| Noninterest expense to average assets | 7.9489% | 109 |
| Loan and lease loss provision to assets | 0.3493% | 1,868 |
| Net operating income to assets | 1.1042% | 2,071 |
| Return on assets (ROA) | 1.1042% | 2,263 |
| Pretax return on assets | 1.6732% | 1,351 |
| Return on Equity (ROE) | 9.0149% | 2,794 |
| Retained earnings to average equity (ytd only) | 9.0149% | 1,222 |
| Net charge-offs to loans | 0.2316% | 3,330 |
| Credit loss provision to net charge-offs | 238.4615% | 1,160 |
| Earnings coverage of net charge-offs (x) | 13.8073% | 1,883 |
| Efficiency ratio | 77.4576% | 2,461 |
| Assets per employee ($millions) | 1.6213% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6423% | 6,815 |
| Loan loss allowance to noncurrent loans | 430.8642% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 4,971 |
| Noncurrent loans to loans | 0.1491% | 6,237 |
| Net loans and leases to total assets | 61.6695% | 3,449 |
| Net loans and leases to deposits | 69.8235% | 3,917 |
| Net loans and leases to core deposits | 125.2459% | 234 |
| Total domestic deposits to total assets | 88.3220% | 1,829 |
| Equity capital to assets | 11.0144% | 3,257 |
| Core capital (leverage) ratio | 10.3380% | 3,119 |
| Tier 1 risk-based capital ratio | 15.2975% | 3,647 |
| Total risk-based capital ratio | 15.9650% | 4,003 |
| Memoranda: | ||
| Average total assets | $71,001,500 | 5,666 |
| Average earning assets | $67,034,000 | 5,580 |
| Average equity | $8,696,500 | 5,352 |
| Average total loans | $44,903,250 | 5,348 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 4,799 |
| Cost of funding earning assets | 0.4119% | 6,209 |
| Net interest margin | 3.8302% | 3,218 |
| Noninterest income to average assets | 7.1283% | 101 |
| Noninterest expense to average assets | 8.5668% | 100 |
| Loan and lease loss provision to assets | 0.5192% | 1,209 |
| Net operating income to assets | 1.0873% | 2,087 |
| Return on assets (ROA) | 1.0873% | 2,312 |
| Pretax return on assets | 1.6492% | 1,403 |
| Return on Equity (ROE) | 8.4954% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.4954% | 1,452 |
| Net charge-offs to loans | 0.3544% | 2,598 |
| Credit loss provision to net charge-offs | 229.7297% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.5946% | 2,153 |
| Efficiency ratio | 77.3826% | 2,543 |
| Assets per employee ($millions) | 1.5916% | 7,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 6,711 |
| Loan loss allowance to noncurrent loans | 333.6634% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 4,700 |
| Noncurrent loans to loans | 0.2348% | 6,104 |
| Net loans and leases to total assets | 57.0552% | 4,318 |
| Net loans and leases to deposits | 65.1847% | 4,620 |
| Net loans and leases to core deposits | 105.5731% | 766 |
| Total domestic deposits to total assets | 87.5286% | 2,446 |
| Equity capital to assets | 11.9126% | 2,209 |
| Core capital (leverage) ratio | 10.1252% | 3,237 |
| Tier 1 risk-based capital ratio | 16.4130% | 2,960 |
| Total risk-based capital ratio | 17.1842% | 3,162 |
| Memoranda: | ||
| Average total assets | $65,485,670 | 5,864 |
| Average earning assets | $61,667,000 | 5,778 |
| Average equity | $8,381,000 | 5,449 |
| Average total loans | $41,757,670 | 5,522 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4215% | 4,236 |
| Cost of funding earning assets | 0.4128% | 6,348 |
| Net interest margin | 4.0087% | 2,469 |
| Noninterest income to average assets | 7.2336% | 98 |
| Noninterest expense to average assets | 9.2656% | 90 |
| Loan and lease loss provision to assets | 0.4866% | 1,250 |
| Net operating income to assets | 0.8220% | 3,288 |
| Return on assets (ROA) | 0.8220% | 3,522 |
| Pretax return on assets | 1.2494% | 2,725 |
| Return on Equity (ROE) | 6.1607% | 4,208 |
| Retained earnings to average equity (ytd only) | 6.1607% | 2,862 |
| Net charge-offs to loans | 0.5446% | 1,726 |
| Credit loss provision to net charge-offs | 132.1429% | 1,849 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 2,512 |
| Efficiency ratio | 81.4704% | 2,010 |
| Assets per employee ($millions) | 1.7522% | 7,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6039% | 6,982 |
| Loan loss allowance to noncurrent loans | 33.5058% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 1.2045% | 4,117 |
| Noncurrent loans to loans | 1.8022% | 3,408 |
| Net loans and leases to total assets | 64.0284% | 2,843 |
| Net loans and leases to deposits | 73.6101% | 3,176 |
| Net loans and leases to core deposits | 110.6721% | 513 |
| Total domestic deposits to total assets | 86.9832% | 2,965 |
| Equity capital to assets | 12.2839% | 1,864 |
| Core capital (leverage) ratio | 10.8308% | 2,411 |
| Tier 1 risk-based capital ratio | 16.7119% | 2,805 |
| Total risk-based capital ratio | 17.4010% | 3,060 |
| Memoranda: | ||
| Average total assets | $60,827,000 | 6,041 |
| Average earning assets | $57,175,000 | 5,966 |
| Average equity | $8,116,000 | 5,557 |
| Average total loans | $41,128,500 | 5,593 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 5,231 |
| Cost of funding earning assets | 0.4939% | 6,559 |
| Net interest margin | 3.9623% | 3,060 |
| Noninterest income to average assets | 4.4990% | 139 |
| Noninterest expense to average assets | 7.6541% | 114 |
| Loan and lease loss provision to assets | 0.3240% | 3,093 |
| Net operating income to assets | 0.0776% | 5,908 |
| Return on assets (ROA) | 0.1059% | 5,972 |
| Pretax return on assets | 0.1641% | 5,865 |
| Return on Equity (ROE) | 0.6708% | 6,028 |
| Retained earnings to average equity (ytd only) | 0.6708% | 5,535 |
| Net charge-offs to loans | 0.0035% | 6,400 |
| Credit loss provision to net charge-offs | 15,600.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 214.0000% | 160 |
| Efficiency ratio | 89.3562% | 1,241 |
| Assets per employee ($millions) | 1.4492% | 7,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6122% | 7,002 |
| Loan loss allowance to noncurrent loans | 68.8571% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7699% | 5,100 |
| Noncurrent loans to loans | 0.8891% | 4,911 |
| Net loans and leases to total assets | 71.0447% | 1,811 |
| Net loans and leases to deposits | 84.0657% | 1,915 |
| Net loans and leases to core deposits | 107.7883% | 707 |
| Total domestic deposits to total assets | 84.5109% | 4,088 |
| Equity capital to assets | 14.6229% | 867 |
| Core capital (leverage) ratio | 11.8880% | 1,664 |
| Tier 1 risk-based capital ratio | 18.4505% | 2,062 |
| Total risk-based capital ratio | 19.1862% | 2,188 |
| Memoranda: | ||
| Average total assets | $48,144,000 | 6,418 |
| Average earning assets | $43,737,600 | 6,395 |
| Average equity | $7,603,200 | 5,687 |
| Average total loans | $28,445,400 | 6,225 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 5,809 |
| Cost of funding earning assets | 0.5192% | 6,626 |
| Net interest margin | 3.8221% | 3,757 |
| Noninterest income to average assets | 3.7231% | 169 |
| Noninterest expense to average assets | 7.2881% | 129 |
| Loan and lease loss provision to assets | 0.3878% | 2,532 |
| Net operating income to assets | -0.3217% | 6,521 |
| Return on assets (ROA) | -0.3217% | 6,574 |
| Pretax return on assets | -0.5056% | 6,624 |
| Return on Equity (ROE) | -1.9935% | 6,477 |
| Retained earnings to average equity (ytd only) | -1.9935% | 6,298 |
| Net charge-offs to loans | 0.0104% | 6,008 |
| Credit loss provision to net charge-offs | 6,750.0000% | 42 |
| Earnings coverage of net charge-offs (x) | -20.4757% | 6,152 |
| Efficiency ratio | 95.4327% | 849 |
| Assets per employee ($millions) | 1.4443% | 7,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 6,937 |
| Loan loss allowance to noncurrent loans | 175.5245% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 6,343 |
| Noncurrent loans to loans | 0.4102% | 6,023 |
| Net loans and leases to total assets | 68.4662% | 2,384 |
| Net loans and leases to deposits | 81.9555% | 2,363 |
| Net loans and leases to core deposits | 95.8088% | 1,623 |
| Total domestic deposits to total assets | 83.5407% | 4,462 |
| Equity capital to assets | 15.6541% | 693 |
| Core capital (leverage) ratio | 12.2246% | 1,579 |
| Tier 1 risk-based capital ratio | 19.4307% | 1,833 |
| Total risk-based capital ratio | 20.2783% | 1,900 |
| Memoranda: | ||
| Average total assets | $46,412,250 | 6,528 |
| Average earning assets | $41,861,250 | 6,519 |
| Average equity | $7,490,750 | 5,748 |
| Average total loans | $25,715,250 | 6,438 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 6,297 |
| Cost of funding earning assets | 0.5225% | 6,772 |
| Net interest margin | 3.6676% | 4,427 |
| Noninterest income to average assets | 2.5936% | 255 |
| Noninterest expense to average assets | 6.8793% | 146 |
| Loan and lease loss provision to assets | 0.4308% | 2,271 |
| Net operating income to assets | -0.9238% | 6,919 |
| Return on assets (ROA) | -0.9238% | 6,921 |
| Pretax return on assets | -1.4434% | 7,045 |
| Return on Equity (ROE) | -5.6599% | 6,757 |
| Retained earnings to average equity (ytd only) | -5.6599% | 6,623 |
| Net charge-offs to loans | 0.0353% | 5,359 |
| Credit loss provision to net charge-offs | 2,425.0000% | 137 |
| Earnings coverage of net charge-offs (x) | -57.0000% | 5,859 |
| Efficiency ratio | 109.0083% | 494 |
| Assets per employee ($millions) | 1.8292% | 7,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 6,359 |
| Loan loss allowance to noncurrent loans | 159.0909% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 6,311 |
| Noncurrent loans to loans | 0.6260% | 5,672 |
| Net loans and leases to total assets | 51.2080% | 5,667 |
| Net loans and leases to deposits | 61.6822% | 5,539 |
| Net loans and leases to core deposits | 63.5742% | 5,773 |
| Total domestic deposits to total assets | 83.0190% | 4,744 |
| Equity capital to assets | 16.4049% | 557 |
| Core capital (leverage) ratio | 12.4840% | 1,365 |
| Tier 1 risk-based capital ratio | 22.6544% | 1,171 |
| Total risk-based capital ratio | 23.6542% | 1,172 |
| Memoranda: | ||
| Average total assets | $45,033,330 | 6,623 |
| Average earning assets | $40,190,000 | 6,630 |
| Average equity | $7,350,000 | 5,819 |
| Average total loans | $22,667,000 | 6,650 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 6,458 |
| Cost of funding earning assets | 0.4880% | 7,011 |
| Net interest margin | 3.6337% | 4,406 |
| Noninterest income to average assets | 2.4491% | 272 |
| Noninterest expense to average assets | 7.3109% | 134 |
| Loan and lease loss provision to assets | 0.4935% | 1,772 |
| Net operating income to assets | -1.3982% | 7,163 |
| Return on assets (ROA) | -1.3982% | 7,168 |
| Pretax return on assets | -2.1567% | 7,283 |
| Return on Equity (ROE) | -8.5907% | 6,979 |
| Retained earnings to average equity (ytd only) | -8.5907% | 6,790 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9029% | 344 |
| Assets per employee ($millions) | 1.9351% | 7,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 5,478 |
| Loan loss allowance to noncurrent loans | 24.7171% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 4.0713% | 1,643 |
| Noncurrent loans to loans | 4.9798% | 1,357 |
| Net loans and leases to total assets | 51.2032% | 5,687 |
| Net loans and leases to deposits | 62.1343% | 5,480 |
| Net loans and leases to core deposits | 64.1853% | 5,703 |
| Total domestic deposits to total assets | 82.4073% | 5,142 |
| Equity capital to assets | 16.9614% | 444 |
| Core capital (leverage) ratio | 13.2810% | 1,032 |
| Tier 1 risk-based capital ratio | 21.7241% | 1,276 |
| Total risk-based capital ratio | 22.8773% | 1,273 |
| Memoranda: | ||
| Average total assets | $43,770,500 | 6,700 |
| Average earning assets | $38,528,000 | 6,741 |
| Average equity | $7,124,000 | 5,893 |
| Average total loans | $21,701,000 | 6,759 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6143% | 7,341 |
| Cost of funding earning assets | 0.4828% | 7,322 |
| Net interest margin | 3.1314% | 6,435 |
| Noninterest income to average assets | 1.2451% | 963 |
| Noninterest expense to average assets | 4.1216% | 1,003 |
| Loan and lease loss provision to assets | 0.3051% | 4,362 |
| Net operating income to assets | -0.2953% | 6,207 |
| Return on assets (ROA) | -0.2953% | 6,252 |
| Pretax return on assets | -0.4528% | 6,285 |
| Return on Equity (ROE) | -2.3404% | 6,212 |
| Retained earnings to average equity (ytd only) | -2.3404% | 6,020 |
| Net charge-offs to loans | -0.0306% | 7,401 |
| Credit loss provision to net charge-offs | -1,771.4286% | 7,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0557% | 1,056 |
| Assets per employee ($millions) | 2.2649% | 7,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 5,036 |
| Loan loss allowance to noncurrent loans | 26.9191% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 3.8272% | 1,787 |
| Noncurrent loans to loans | 4.8059% | 1,433 |
| Net loans and leases to total assets | 46.6282% | 6,507 |
| Net loans and leases to deposits | 55.6848% | 6,468 |
| Net loans and leases to core deposits | 58.8153% | 6,490 |
| Total domestic deposits to total assets | 83.7361% | 4,486 |
| Equity capital to assets | 15.5668% | 667 |
| Core capital (leverage) ratio | 11.2756% | 1,967 |
| Tier 1 risk-based capital ratio | 18.8562% | 1,754 |
| Total risk-based capital ratio | 19.9147% | 1,766 |
| Memoranda: | ||
| Average total assets | $40,640,000 | 6,841 |
| Average earning assets | $35,415,000 | 6,901 |
| Average equity | $5,127,400 | 6,629 |
| Average total loans | $22,883,600 | 6,783 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5338% | 7,670 |
| Cost of funding earning assets | 0.3680% | 7,595 |
| Net interest margin | 2.1658% | 7,523 |
| Noninterest income to average assets | 1.2054% | 957 |
| Noninterest expense to average assets | 3.2998% | 2,570 |
| Loan and lease loss provision to assets | 0.1498% | 5,537 |
| Net operating income to assets | -0.2398% | 6,371 |
| Return on assets (ROA) | -0.2398% | 6,421 |
| Pretax return on assets | -0.3629% | 6,457 |
| Return on Equity (ROE) | -2.0277% | 6,410 |
| Retained earnings to average equity (ytd only) | -2.0277% | 6,210 |
| Net charge-offs to loans | 0.0624% | 5,888 |
| Credit loss provision to net charge-offs | 409.0909% | 733 |
| Earnings coverage of net charge-offs (x) | -5.8166% | 6,599 |
| Efficiency ratio | 96.3323% | 893 |
| Assets per employee ($millions) | 2.4174% | 7,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,716 |
| Loan loss allowance to noncurrent loans | 23.4912% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 5.2467% | 1,195 |
| Noncurrent loans to loans | 4.8899% | 1,437 |
| Net loans and leases to total assets | 50.0356% | 6,321 |
| Net loans and leases to deposits | 59.5189% | 6,351 |
| Net loans and leases to core deposits | 62.8014% | 6,392 |
| Total domestic deposits to total assets | 84.0668% | 4,089 |
| Equity capital to assets | 15.5195% | 768 |
| Core capital (leverage) ratio | 13.5864% | 1,035 |
| Tier 1 risk-based capital ratio | 16.4284% | 2,586 |
| Total risk-based capital ratio | 17.1757% | 2,745 |
| Memoranda: | ||
| Average total assets | $40,041,500 | 6,951 |
| Average earning assets | $34,781,500 | 7,004 |
| Average equity | $4,734,500 | 6,833 |
| Average total loans | $23,522,250 | 6,839 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7453% | 7,781 |
| Cost of funding earning assets | 0.3276% | 7,699 |
| Net interest margin | 1.4177% | 7,752 |
| Noninterest income to average assets | 0.4783% | 4,298 |
| Noninterest expense to average assets | 1.6871% | 7,508 |
| Loan and lease loss provision to assets | 0.5606% | 2,527 |
| Net operating income to assets | -0.3623% | 6,530 |
| Return on assets (ROA) | -1.6408% | 7,211 |
| Pretax return on assets | -2.4534% | 7,356 |
| Return on Equity (ROE) | -15.7078% | 7,163 |
| Retained earnings to average equity (ytd only) | -15.7078% | 7,125 |
| Net charge-offs to loans | 0.0833% | 5,309 |
| Credit loss provision to net charge-offs | 1,090.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 0.3000% | 5,426 |
| Efficiency ratio | 99.0937% | 839 |
| Assets per employee ($millions) | 4.5440% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 6,630 |
| Loan loss allowance to noncurrent loans | 23.4305% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 5.0592% | 1,262 |
| Noncurrent loans to loans | 4.0113% | 1,886 |
| Net loans and leases to total assets | 53.8635% | 6,004 |
| Net loans and leases to deposits | 64.9085% | 5,922 |
| Net loans and leases to core deposits | 67.7118% | 6,082 |
| Total domestic deposits to total assets | 82.9837% | 4,582 |
| Equity capital to assets | 16.3855% | 612 |
| Core capital (leverage) ratio | 15.3629% | 656 |
| Tier 1 risk-based capital ratio | 18.4198% | 1,852 |
| Total risk-based capital ratio | 19.0618% | 1,971 |
| Memoranda: | ||
| Average total assets | $38,884,330 | 7,033 |
| Average earning assets | $33,576,330 | 7,090 |
| Average equity | $4,061,670 | 7,103 |
| Average total loans | $24,021,330 | 6,861 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6683% | 1,891 |
| Cost of funding earning assets | 1.1039% | 5,890 |
| Net interest margin | 4.5644% | 1,016 |
| Noninterest income to average assets | 1.3834% | 632 |
| Noninterest expense to average assets | 5.0055% | 363 |
| Loan and lease loss provision to assets | -0.0528% | 7,860 |
| Net operating income to assets | 0.4963% | 4,405 |
| Return on assets (ROA) | 0.4963% | 4,545 |
| Pretax return on assets | 0.3168% | 5,555 |
| Return on Equity (ROE) | 6.8563% | 3,415 |
| Retained earnings to average equity (ytd only) | 6.8563% | 2,192 |
| Net charge-offs to loans | 0.4977% | 2,570 |
| Credit loss provision to net charge-offs | -16.1290% | 5,965 |
| Earnings coverage of net charge-offs (x) | 0.8065% | 4,322 |
| Efficiency ratio | 94.9900% | 1,082 |
| Assets per employee ($millions) | 2.8929% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6323% | 1,143 |
| Loan loss allowance to noncurrent loans | 53.1017% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 6.0413% | 991 |
| Noncurrent loans to loans | 4.9572% | 1,467 |
| Net loans and leases to total assets | 63.1435% | 4,501 |
| Net loans and leases to deposits | 68.3701% | 5,547 |
| Net loans and leases to core deposits | 72.8927% | 5,620 |
| Total domestic deposits to total assets | 92.3553% | 181 |
| Equity capital to assets | 7.3974% | 7,140 |
| Core capital (leverage) ratio | 7.8817% | 6,402 |
| Tier 1 risk-based capital ratio | 8.9541% | 7,489 |
| Total risk-based capital ratio | 10.2133% | 7,501 |
| Memoranda: | ||
| Average total assets | $37,878,500 | 7,166 |
| Average earning assets | $32,249,500 | 7,239 |
| Average equity | $2,742,000 | 7,573 |
| Average total loans | $24,913,500 | 6,889 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7949% | 2,678 |
| Cost of funding earning assets | 1.8399% | 3,785 |
| Net interest margin | 3.9550% | 3,057 |
| Noninterest income to average assets | 0.8860% | 2,002 |
| Noninterest expense to average assets | 4.2606% | 1,029 |
| Loan and lease loss provision to assets | 1.1868% | 1,940 |
| Net operating income to assets | -2.0398% | 7,110 |
| Return on assets (ROA) | -2.0398% | 7,107 |
| Pretax return on assets | -1.3184% | 6,602 |
| Return on Equity (ROE) | -29.3223% | 7,394 |
| Retained earnings to average equity (ytd only) | -29.3223% | 7,376 |
| Net charge-offs to loans | 4.1303% | 385 |
| Credit loss provision to net charge-offs | 44.1048% | 6,799 |
| Earnings coverage of net charge-offs (x) | -0.0489% | 6,271 |
| Efficiency ratio | 103.1873% | 972 |
| Assets per employee ($millions) | 2.9345% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6653% | 1,049 |
| Loan loss allowance to noncurrent loans | 66.4706% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 4.7079% | 1,347 |
| Noncurrent loans to loans | 4.0097% | 1,851 |
| Net loans and leases to total assets | 64.9034% | 4,385 |
| Net loans and leases to deposits | 70.1874% | 5,581 |
| Net loans and leases to core deposits | 85.9752% | 5,524 |
| Total domestic deposits to total assets | 92.4716% | 186 |
| Equity capital to assets | 7.0828% | 7,337 |
| Core capital (leverage) ratio | 7.1711% | 7,094 |
| Tier 1 risk-based capital ratio | 8.6303% | 7,566 |
| Total risk-based capital ratio | 9.8903% | 7,596 |
| Memoranda: | ||
| Average total assets | $42,552,800 | 7,011 |
| Average earning assets | $34,892,600 | 7,140 |
| Average equity | $2,960,200 | 7,596 |
| Average total loans | $27,722,000 | 6,757 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8553% | 2,646 |
| Cost of funding earning assets | 1.9229% | 3,761 |
| Net interest margin | 3.9324% | 3,110 |
| Noninterest income to average assets | 1.0781% | 1,363 |
| Noninterest expense to average assets | 4.0988% | 1,153 |
| Loan and lease loss provision to assets | 0.5803% | 3,071 |
| Net operating income to assets | -1.6890% | 7,189 |
| Return on assets (ROA) | -1.6890% | 7,186 |
| Pretax return on assets | -0.4093% | 6,210 |
| Return on Equity (ROE) | -24.3759% | 7,493 |
| Retained earnings to average equity (ytd only) | -24.3759% | 7,468 |
| Net charge-offs to loans | 4.1234% | 332 |
| Credit loss provision to net charge-offs | 21.7143% | 6,558 |
| Earnings coverage of net charge-offs (x) | 0.0640% | 5,981 |
| Efficiency ratio | 95.9943% | 1,280 |
| Assets per employee ($millions) | 3.1774% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4410% | 1,122 |
| Loan loss allowance to noncurrent loans | 64.8566% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 4.5901% | 1,322 |
| Noncurrent loans to loans | 3.7637% | 1,978 |
| Net loans and leases to total assets | 61.2478% | 5,369 |
| Net loans and leases to deposits | 70.0998% | 5,905 |
| Net loans and leases to core deposits | 85.7477% | 5,890 |
| Total domestic deposits to total assets | 87.3723% | 1,965 |
| Equity capital to assets | 7.3403% | 7,405 |
| Core capital (leverage) ratio | 7.5570% | 6,911 |
| Tier 1 risk-based capital ratio | 9.0652% | 7,595 |
| Total risk-based capital ratio | 10.2487% | 7,637 |
| Memoranda: | ||
| Average total assets | $43,653,750 | 7,010 |
| Average earning assets | $35,431,250 | 7,187 |
| Average equity | $3,024,750 | 7,654 |
| Average total loans | $28,293,000 | 6,779 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0284% | 2,062 |
| Cost of funding earning assets | 2.0416% | 3,567 |
| Net interest margin | 3.9868% | 2,759 |
| Noninterest income to average assets | 0.9947% | 1,609 |
| Noninterest expense to average assets | 4.2083% | 1,062 |
| Loan and lease loss provision to assets | 0.6976% | 2,335 |
| Net operating income to assets | -3.7897% | 7,800 |
| Return on assets (ROA) | -3.7897% | 7,799 |
| Pretax return on assets | -0.7471% | 6,648 |
| Return on Equity (ROE) | -55.7186% | 7,954 |
| Retained earnings to average equity (ytd only) | -55.7186% | 7,951 |
| Net charge-offs to loans | 5.6465% | 205 |
| Credit loss provision to net charge-offs | 18.8794% | 6,139 |
| Earnings coverage of net charge-offs (x) | -0.0134% | 5,706 |
| Efficiency ratio | 101.1905% | 1,119 |
| Assets per employee ($millions) | 3.0509% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3788% | 1,017 |
| Loan loss allowance to noncurrent loans | 45.8832% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 4.0761% | 1,438 |
| Noncurrent loans to loans | 5.1844% | 1,159 |
| Net loans and leases to total assets | 62.6452% | 5,244 |
| Net loans and leases to deposits | 70.6978% | 5,914 |
| Net loans and leases to core deposits | 86.0409% | 5,899 |
| Total domestic deposits to total assets | 88.6098% | 1,478 |
| Equity capital to assets | 6.0170% | 7,925 |
| Core capital (leverage) ratio | 6.5132% | 7,789 |
| Tier 1 risk-based capital ratio | 8.7307% | 7,806 |
| Total risk-based capital ratio | 9.9897% | 7,852 |
| Memoranda: | ||
| Average total assets | $44,436,330 | 7,041 |
| Average earning assets | $35,266,330 | 7,250 |
| Average equity | $3,022,330 | 7,721 |
| Average total loans | $29,080,000 | 6,784 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2591% | 1,412 |
| Cost of funding earning assets | 2.1469% | 3,429 |
| Net interest margin | 4.1121% | 2,231 |
| Noninterest income to average assets | 0.6711% | 3,062 |
| Noninterest expense to average assets | 3.9118% | 1,294 |
| Loan and lease loss provision to assets | -0.0088% | 8,174 |
| Net operating income to assets | -0.0353% | 6,309 |
| Return on assets (ROA) | -0.0353% | 6,440 |
| Pretax return on assets | -0.0353% | 6,419 |
| Return on Equity (ROE) | -0.4925% | 6,466 |
| Retained earnings to average equity (ytd only) | -0.4925% | 5,762 |
| Net charge-offs to loans | 1.7249% | 840 |
| Credit loss provision to net charge-offs | -0.7752% | 6,129 |
| Earnings coverage of net charge-offs (x) | -0.0388% | 5,016 |
| Efficiency ratio | 101.1416% | 1,082 |
| Assets per employee ($millions) | 3.1811% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0189% | 217 |
| Loan loss allowance to noncurrent loans | 72.6161% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 4.3921% | 1,108 |
| Noncurrent loans to loans | 5.5345% | 921 |
| Net loans and leases to total assets | 63.7072% | 5,039 |
| Net loans and leases to deposits | 72.1750% | 5,722 |
| Net loans and leases to core deposits | 90.5933% | 5,498 |
| Total domestic deposits to total assets | 88.2677% | 1,599 |
| Equity capital to assets | 6.7834% | 7,771 |
| Core capital (leverage) ratio | 7.2877% | 7,393 |
| Tier 1 risk-based capital ratio | 9.2106% | 7,666 |
| Total risk-based capital ratio | 10.4877% | 7,627 |
| Memoranda: | ||
| Average total assets | $45,298,500 | 7,055 |
| Average earning assets | $35,213,000 | 7,295 |
| Average equity | $3,248,500 | 7,704 |
| Average total loans | $29,915,500 | 6,769 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6023% | 2,485 |
| Cost of funding earning assets | 2.4586% | 4,432 |
| Net interest margin | 4.1438% | 2,525 |
| Noninterest income to average assets | 1.1211% | 1,242 |
| Noninterest expense to average assets | 3.9424% | 1,499 |
| Loan and lease loss provision to assets | 1.4955% | 904 |
| Net operating income to assets | -0.4267% | 6,853 |
| Return on assets (ROA) | -0.4267% | 6,728 |
| Pretax return on assets | -0.7358% | 6,836 |
| Return on Equity (ROE) | -5.2990% | 6,890 |
| Retained earnings to average equity (ytd only) | -5.2990% | 6,557 |
| Net charge-offs to loans | 1.0183% | 1,214 |
| Credit loss provision to net charge-offs | 206.9277% | 2,340 |
| Earnings coverage of net charge-offs (x) | 1.0512% | 5,604 |
| Efficiency ratio | 83.8426% | 2,072 |
| Assets per employee ($millions) | 3.2901% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3540% | 149 |
| Loan loss allowance to noncurrent loans | 75.2713% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 4.5960% | 807 |
| Noncurrent loans to loans | 5.7844% | 650 |
| Net loans and leases to total assets | 62.8566% | 5,483 |
| Net loans and leases to deposits | 71.7280% | 6,088 |
| Net loans and leases to core deposits | 88.7639% | 5,913 |
| Total domestic deposits to total assets | 87.6319% | 1,651 |
| Equity capital to assets | 7.5464% | 7,348 |
| Core capital (leverage) ratio | 7.9126% | 6,636 |
| Tier 1 risk-based capital ratio | 9.9380% | 6,809 |
| Total risk-based capital ratio | 11.2179% | 6,659 |
| Memoranda: | ||
| Average total assets | $45,936,600 | 6,939 |
| Average earning assets | $39,698,000 | 7,051 |
| Average equity | $3,698,800 | 7,608 |
| Average total loans | $32,603,400 | 6,574 |