Home > Idaho Independent Bank > Performance and Condition Ratios
Idaho Independent 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 | 4.4802% | 2,937 |
| Cost of funding earning assets | 0.2492% | 4,984 |
| Net interest margin | 4.2310% | 1,238 |
| Noninterest income to average assets | 0.8574% | 1,151 |
| Noninterest expense to average assets | 2.8774% | 2,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6245% | 850 |
| Return on assets (ROA) | 1.6263% | 878 |
| Pretax return on assets | 1.9045% | 790 |
| Return on Equity (ROE) | 15.2143% | 710 |
| Retained earnings to average equity (ytd only) | 15.2143% | 266 |
| Net charge-offs to loans | 0.0079% | 2,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 501.1429% | 153 |
| Efficiency ratio | 60.1997% | 3,776 |
| Assets per employee ($millions) | 4.2327% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 699 |
| Loan loss allowance to noncurrent loans | 1,833.8192% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,268 |
| Noncurrent loans to loans | 0.0987% | 4,301 |
| Net loans and leases to total assets | 46.8761% | 4,629 |
| Net loans and leases to deposits | 56.7683% | 4,561 |
| Net loans and leases to core deposits | 56.8349% | 4,683 |
| Total domestic deposits to total assets | 82.5744% | 3,555 |
| Equity capital to assets | 11.0769% | 2,773 |
| Core capital (leverage) ratio | 11.2620% | 2,330 |
| Tier 1 risk-based capital ratio | 18.9042% | 1,564 |
| Total risk-based capital ratio | 20.1570% | 1,531 |
| Memoranda: | ||
| Average total assets | $737,603,500 | 1,041 |
| Average earning assets | $683,806,500 | 1,030 |
| Average equity | $78,847,000 | 1,090 |
| Average total loans | $352,904,500 | 1,427 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 3,540 |
| Cost of funding earning assets | 0.1571% | 5,155 |
| Net interest margin | 4.0091% | 1,957 |
| Noninterest income to average assets | 1.1674% | 681 |
| Noninterest expense to average assets | 3.0742% | 1,863 |
| Loan and lease loss provision to assets | 0.0277% | 3,620 |
| Net operating income to assets | 1.4017% | 1,432 |
| Return on assets (ROA) | 1.3944% | 1,444 |
| Pretax return on assets | 1.7526% | 1,044 |
| Return on Equity (ROE) | 14.3139% | 975 |
| Retained earnings to average equity (ytd only) | 14.3139% | 148 |
| Net charge-offs to loans | 0.1169% | 1,581 |
| Credit loss provision to net charge-offs | 47.0588% | 3,223 |
| Earnings coverage of net charge-offs (x) | 30.3835% | 1,585 |
| Efficiency ratio | 63.2077% | 3,303 |
| Assets per employee ($millions) | 4.1742% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 740 |
| Loan loss allowance to noncurrent loans | 1,543.3824% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 4,018 |
| Noncurrent loans to loans | 0.1139% | 4,219 |
| Net loans and leases to total assets | 47.1040% | 4,692 |
| Net loans and leases to deposits | 57.1509% | 4,612 |
| Net loans and leases to core deposits | 57.2684% | 4,732 |
| Total domestic deposits to total assets | 82.4203% | 3,516 |
| Equity capital to assets | 10.3122% | 3,363 |
| Core capital (leverage) ratio | 10.5337% | 2,987 |
| Tier 1 risk-based capital ratio | 17.5225% | 1,897 |
| Total risk-based capital ratio | 18.7747% | 1,851 |
| Memoranda: | ||
| Average total assets | $721,617,000 | 1,030 |
| Average earning assets | $665,306,800 | 1,030 |
| Average equity | $70,295,400 | 1,156 |
| Average total loans | $363,694,400 | 1,356 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 3,732 |
| Cost of funding earning assets | 0.1315% | 5,271 |
| Net interest margin | 3.9364% | 2,173 |
| Noninterest income to average assets | 0.9233% | 1,130 |
| Noninterest expense to average assets | 3.1229% | 1,709 |
| Loan and lease loss provision to assets | 0.0373% | 3,260 |
| Net operating income to assets | 1.0464% | 2,884 |
| Return on assets (ROA) | 1.0367% | 2,944 |
| Pretax return on assets | 1.3735% | 2,330 |
| Return on Equity (ROE) | 10.8073% | 2,255 |
| Retained earnings to average equity (ytd only) | 10.8073% | 695 |
| Net charge-offs to loans | 0.1413% | 1,154 |
| Credit loss provision to net charge-offs | 51.6796% | 2,816 |
| Earnings coverage of net charge-offs (x) | 19.7260% | 1,985 |
| Efficiency ratio | 68.6952% | 2,408 |
| Assets per employee ($millions) | 3.9093% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 829 |
| Loan loss allowance to noncurrent loans | 982.1705% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 3,789 |
| Noncurrent loans to loans | 0.1757% | 4,104 |
| Net loans and leases to total assets | 48.5600% | 4,689 |
| Net loans and leases to deposits | 57.5640% | 4,667 |
| Net loans and leases to core deposits | 57.8821% | 4,792 |
| Total domestic deposits to total assets | 84.3582% | 2,831 |
| Equity capital to assets | 9.7597% | 3,861 |
| Core capital (leverage) ratio | 10.0977% | 3,523 |
| Tier 1 risk-based capital ratio | 16.2190% | 2,369 |
| Total risk-based capital ratio | 17.4710% | 2,312 |
| Memoranda: | ||
| Average total assets | $715,226,000 | 1,040 |
| Average earning assets | $658,215,000 | 1,043 |
| Average equity | $68,606,500 | 1,178 |
| Average total loans | $365,055,750 | 1,348 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,750 |
| Cost of funding earning assets | 0.1209% | 5,340 |
| Net interest margin | 3.8917% | 2,229 |
| Noninterest income to average assets | 0.9079% | 1,161 |
| Noninterest expense to average assets | 3.1352% | 1,706 |
| Loan and lease loss provision to assets | 0.0567% | 2,780 |
| Net operating income to assets | 0.9525% | 3,223 |
| Return on assets (ROA) | 0.9390% | 3,284 |
| Pretax return on assets | 1.2829% | 2,585 |
| Return on Equity (ROE) | 9.8498% | 2,634 |
| Retained earnings to average equity (ytd only) | 9.8498% | 965 |
| Net charge-offs to loans | 0.2201% | 723 |
| Credit loss provision to net charge-offs | 49.8753% | 2,500 |
| Earnings coverage of net charge-offs (x) | 11.9426% | 2,236 |
| Efficiency ratio | 69.7988% | 2,348 |
| Assets per employee ($millions) | 3.8386% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 826 |
| Loan loss allowance to noncurrent loans | 972.4615% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 3,831 |
| Noncurrent loans to loans | 0.1797% | 4,101 |
| Net loans and leases to total assets | 48.9985% | 4,659 |
| Net loans and leases to deposits | 58.2806% | 4,625 |
| Net loans and leases to core deposits | 58.4505% | 4,775 |
| Total domestic deposits to total assets | 84.0734% | 3,037 |
| Equity capital to assets | 9.4706% | 4,136 |
| Core capital (leverage) ratio | 9.7413% | 3,847 |
| Tier 1 risk-based capital ratio | 15.3864% | 2,695 |
| Total risk-based capital ratio | 16.6384% | 2,620 |
| Memoranda: | ||
| Average total assets | $706,044,000 | 1,053 |
| Average earning assets | $650,200,000 | 1,053 |
| Average equity | $67,311,330 | 1,196 |
| Average total loans | $364,399,330 | 1,351 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,499 |
| Cost of funding earning assets | 0.1096% | 5,433 |
| Net interest margin | 3.9221% | 1,955 |
| Noninterest income to average assets | 0.8123% | 1,414 |
| Noninterest expense to average assets | 3.1910% | 1,585 |
| Loan and lease loss provision to assets | 0.1149% | 1,644 |
| Net operating income to assets | 0.8221% | 3,620 |
| Return on assets (ROA) | 0.8203% | 3,640 |
| Pretax return on assets | 1.1207% | 3,090 |
| Return on Equity (ROE) | 8.5749% | 3,117 |
| Retained earnings to average equity (ytd only) | 8.5749% | 1,624 |
| Net charge-offs to loans | 0.5786% | 258 |
| Credit loss provision to net charge-offs | 37.8072% | 2,032 |
| Earnings coverage of net charge-offs (x) | 4.0737% | 2,331 |
| Efficiency ratio | 72.0493% | 2,189 |
| Assets per employee ($millions) | 3.7000% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 957 |
| Loan loss allowance to noncurrent loans | 846.0383% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 3,855 |
| Noncurrent loans to loans | 0.2003% | 4,070 |
| Net loans and leases to total assets | 51.3818% | 4,475 |
| Net loans and leases to deposits | 61.3873% | 4,375 |
| Net loans and leases to core deposits | 61.4882% | 4,587 |
| Total domestic deposits to total assets | 83.7010% | 3,433 |
| Equity capital to assets | 9.6178% | 3,978 |
| Core capital (leverage) ratio | 9.9436% | 3,591 |
| Tier 1 risk-based capital ratio | 14.8573% | 2,944 |
| Total risk-based capital ratio | 16.1088% | 2,881 |
| Memoranda: | ||
| Average total assets | $696,323,000 | 1,070 |
| Average earning assets | $642,112,500 | 1,074 |
| Average equity | $66,613,000 | 1,212 |
| Average total loans | $365,700,000 | 1,354 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 4,032 |
| Cost of funding earning assets | 0.0978% | 5,502 |
| Net interest margin | 3.7097% | 2,763 |
| Noninterest income to average assets | 0.9836% | 1,058 |
| Noninterest expense to average assets | 3.2502% | 1,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4577% | 4,498 |
| Return on assets (ROA) | 0.4588% | 4,525 |
| Pretax return on assets | 1.1300% | 3,059 |
| Return on Equity (ROE) | 4.6640% | 4,302 |
| Retained earnings to average equity (ytd only) | 4.6640% | 2,345 |
| Net charge-offs to loans | -0.1142% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2306% | 1,864 |
| Assets per employee ($millions) | 3.5556% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 801 |
| Loan loss allowance to noncurrent loans | 32,610.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 4,376 |
| Noncurrent loans to loans | 0.0055% | 5,035 |
| Net loans and leases to total assets | 51.8316% | 4,525 |
| Net loans and leases to deposits | 62.1304% | 4,439 |
| Net loans and leases to core deposits | 62.2682% | 4,644 |
| Total domestic deposits to total assets | 83.4239% | 3,417 |
| Equity capital to assets | 9.5145% | 4,222 |
| Core capital (leverage) ratio | 9.5925% | 3,923 |
| Tier 1 risk-based capital ratio | 14.4513% | 3,113 |
| Total risk-based capital ratio | 15.7040% | 3,029 |
| Memoranda: | ||
| Average total assets | $665,687,200 | 1,100 |
| Average earning assets | $609,189,400 | 1,101 |
| Average equity | $65,480,000 | 1,220 |
| Average total loans | $348,407,600 | 1,382 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 4,202 |
| Cost of funding earning assets | 0.0962% | 5,566 |
| Net interest margin | 3.6472% | 2,965 |
| Noninterest income to average assets | 0.9970% | 1,035 |
| Noninterest expense to average assets | 3.2453% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6830% | 4,062 |
| Return on assets (ROA) | 0.6841% | 4,121 |
| Pretax return on assets | 1.0844% | 3,363 |
| Return on Equity (ROE) | 6.8952% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.8952% | 1,748 |
| Net charge-offs to loans | -0.0698% | 5,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9825% | 1,748 |
| Assets per employee ($millions) | 3.5213% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 1,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 4,515 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 52.6653% | 4,524 |
| Net loans and leases to deposits | 63.2670% | 4,431 |
| Net loans and leases to core deposits | 63.5617% | 4,624 |
| Total domestic deposits to total assets | 83.2429% | 3,381 |
| Equity capital to assets | 9.7385% | 4,213 |
| Core capital (leverage) ratio | 9.8955% | 3,704 |
| Tier 1 risk-based capital ratio | 14.3238% | 3,284 |
| Total risk-based capital ratio | 15.5759% | 3,186 |
| Memoranda: | ||
| Average total assets | $658,774,000 | 1,112 |
| Average earning assets | $601,689,000 | 1,118 |
| Average equity | $65,358,000 | 1,227 |
| Average total loans | $344,036,750 | 1,401 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 4,424 |
| Cost of funding earning assets | 0.0950% | 5,615 |
| Net interest margin | 3.5376% | 3,263 |
| Noninterest income to average assets | 0.9586% | 1,116 |
| Noninterest expense to average assets | 3.2367% | 1,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6066% | 4,275 |
| Return on assets (ROA) | 0.6076% | 4,315 |
| Pretax return on assets | 0.9568% | 3,739 |
| Return on Equity (ROE) | 6.0844% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.0844% | 2,066 |
| Net charge-offs to loans | -0.0988% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2130% | 1,561 |
| Assets per employee ($millions) | 3.5040% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 4,559 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.5010% | 4,525 |
| Net loans and leases to deposits | 62.8128% | 4,444 |
| Net loans and leases to core deposits | 63.1143% | 4,663 |
| Total domestic deposits to total assets | 83.5833% | 3,370 |
| Equity capital to assets | 9.9047% | 4,028 |
| Core capital (leverage) ratio | 9.8213% | 3,750 |
| Tier 1 risk-based capital ratio | 14.2125% | 3,303 |
| Total risk-based capital ratio | 15.4649% | 3,222 |
| Memoranda: | ||
| Average total assets | $649,479,670 | 1,129 |
| Average earning assets | $593,628,000 | 1,133 |
| Average equity | $64,854,000 | 1,233 |
| Average total loans | $336,071,000 | 1,431 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 4,739 |
| Cost of funding earning assets | 0.0939% | 5,676 |
| Net interest margin | 3.3878% | 3,689 |
| Noninterest income to average assets | 0.9193% | 1,187 |
| Noninterest expense to average assets | 3.2505% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4862% | 4,651 |
| Return on assets (ROA) | 0.4870% | 4,673 |
| Pretax return on assets | 0.7669% | 4,224 |
| Return on Equity (ROE) | 4.8570% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.8570% | 2,980 |
| Net charge-offs to loans | -0.1651% | 5,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9354% | 1,265 |
| Assets per employee ($millions) | 3.4558% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 793 |
| Loan loss allowance to noncurrent loans | 2,052.1311% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 4,441 |
| Noncurrent loans to loans | 0.0925% | 4,820 |
| Net loans and leases to total assets | 48.4750% | 4,785 |
| Net loans and leases to deposits | 58.0467% | 4,693 |
| Net loans and leases to core deposits | 58.3726% | 4,859 |
| Total domestic deposits to total assets | 83.5103% | 3,654 |
| Equity capital to assets | 9.7289% | 4,034 |
| Core capital (leverage) ratio | 9.9601% | 3,554 |
| Tier 1 risk-based capital ratio | 14.7347% | 3,098 |
| Total risk-based capital ratio | 15.9880% | 3,021 |
| Memoranda: | ||
| Average total assets | $643,093,500 | 1,138 |
| Average earning assets | $587,865,500 | 1,141 |
| Average equity | $64,484,000 | 1,239 |
| Average total loans | $327,117,000 | 1,474 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 4,538 |
| Cost of funding earning assets | 0.1013% | 5,696 |
| Net interest margin | 3.4877% | 3,486 |
| Noninterest income to average assets | 1.1552% | 855 |
| Noninterest expense to average assets | 3.4949% | 1,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6994% | 3,786 |
| Return on assets (ROA) | 0.7016% | 3,883 |
| Pretax return on assets | 0.8337% | 4,074 |
| Return on Equity (ROE) | 6.4163% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.4163% | 1,492 |
| Net charge-offs to loans | -0.0032% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7866% | 1,330 |
| Assets per employee ($millions) | 3.2251% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 829 |
| Loan loss allowance to noncurrent loans | 1,012.2314% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 4,230 |
| Noncurrent loans to loans | 0.1863% | 4,491 |
| Net loans and leases to total assets | 51.4420% | 4,655 |
| Net loans and leases to deposits | 62.1618% | 4,531 |
| Net loans and leases to core deposits | 62.5164% | 4,722 |
| Total domestic deposits to total assets | 82.7550% | 3,842 |
| Equity capital to assets | 10.3485% | 3,329 |
| Core capital (leverage) ratio | 10.1663% | 3,277 |
| Tier 1 risk-based capital ratio | 14.1720% | 3,366 |
| Total risk-based capital ratio | 15.4255% | 3,291 |
| Memoranda: | ||
| Average total assets | $589,522,200 | 1,191 |
| Average earning assets | $535,965,400 | 1,199 |
| Average equity | $64,460,600 | 1,214 |
| Average total loans | $308,019,000 | 1,487 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 4,638 |
| Cost of funding earning assets | 0.1009% | 5,765 |
| Net interest margin | 3.4682% | 3,596 |
| Noninterest income to average assets | 1.1732% | 838 |
| Noninterest expense to average assets | 3.5411% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6812% | 3,951 |
| Return on assets (ROA) | 0.6814% | 4,079 |
| Pretax return on assets | 0.7822% | 4,355 |
| Return on Equity (ROE) | 6.1444% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.1444% | 2,098 |
| Net charge-offs to loans | -0.0952% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9116% | 1,202 |
| Assets per employee ($millions) | 3.2638% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 685 |
| Loan loss allowance to noncurrent loans | 2,082.5658% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 4,571 |
| Noncurrent loans to loans | 0.0977% | 4,951 |
| Net loans and leases to total assets | 49.3996% | 4,866 |
| Net loans and leases to deposits | 59.5023% | 4,794 |
| Net loans and leases to core deposits | 59.8176% | 4,939 |
| Total domestic deposits to total assets | 83.0214% | 3,590 |
| Equity capital to assets | 10.5249% | 3,537 |
| Core capital (leverage) ratio | 10.4413% | 3,053 |
| Tier 1 risk-based capital ratio | 14.6536% | 3,212 |
| Total risk-based capital ratio | 15.9096% | 3,150 |
| Memoranda: | ||
| Average total assets | $582,099,750 | 1,204 |
| Average earning assets | $528,682,500 | 1,210 |
| Average equity | $64,556,000 | 1,225 |
| Average total loans | $303,859,000 | 1,507 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 4,815 |
| Cost of funding earning assets | 0.1030% | 5,839 |
| Net interest margin | 3.4153% | 3,830 |
| Noninterest income to average assets | 1.1183% | 897 |
| Noninterest expense to average assets | 3.5038% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6464% | 4,054 |
| Return on assets (ROA) | 0.6464% | 4,199 |
| Pretax return on assets | 0.7172% | 4,570 |
| Return on Equity (ROE) | 5.7237% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.7237% | 2,285 |
| Net charge-offs to loans | -0.1188% | 5,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0081% | 1,144 |
| Assets per employee ($millions) | 3.1619% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 710 |
| Loan loss allowance to noncurrent loans | 5,569.0265% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 4,719 |
| Noncurrent loans to loans | 0.0362% | 5,324 |
| Net loans and leases to total assets | 51.7161% | 4,702 |
| Net loans and leases to deposits | 62.4315% | 4,622 |
| Net loans and leases to core deposits | 62.7407% | 4,834 |
| Total domestic deposits to total assets | 82.8366% | 3,716 |
| Equity capital to assets | 10.9993% | 3,060 |
| Core capital (leverage) ratio | 10.9598% | 2,475 |
| Tier 1 risk-based capital ratio | 15.0304% | 3,068 |
| Total risk-based capital ratio | 16.2868% | 3,004 |
| Memoranda: | ||
| Average total assets | $570,515,330 | 1,228 |
| Average earning assets | $518,311,330 | 1,240 |
| Average equity | $64,433,670 | 1,226 |
| Average total loans | $301,460,670 | 1,517 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 4,896 |
| Cost of funding earning assets | 0.1045% | 5,900 |
| Net interest margin | 3.3938% | 3,894 |
| Noninterest income to average assets | 0.9955% | 1,085 |
| Noninterest expense to average assets | 3.4842% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5513% | 4,419 |
| Return on assets (ROA) | 0.5513% | 4,518 |
| Pretax return on assets | 0.5963% | 4,830 |
| Return on Equity (ROE) | 4.8150% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.8150% | 3,057 |
| Net charge-offs to loans | -0.2242% | 5,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3868% | 1,034 |
| Assets per employee ($millions) | 3.0312% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0926% | 693 |
| Loan loss allowance to noncurrent loans | 1,648.2940% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 4,741 |
| Noncurrent loans to loans | 0.1270% | 4,965 |
| Net loans and leases to total assets | 52.1149% | 4,620 |
| Net loans and leases to deposits | 63.2737% | 4,482 |
| Net loans and leases to core deposits | 63.6006% | 4,718 |
| Total domestic deposits to total assets | 82.3644% | 4,099 |
| Equity capital to assets | 11.4116% | 2,521 |
| Core capital (leverage) ratio | 11.0971% | 2,315 |
| Tier 1 risk-based capital ratio | 15.5736% | 2,877 |
| Total risk-based capital ratio | 16.8313% | 2,806 |
| Memoranda: | ||
| Average total assets | $560,135,000 | 1,255 |
| Average earning assets | $509,167,000 | 1,269 |
| Average equity | $64,132,500 | 1,224 |
| Average total loans | $296,152,000 | 1,530 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 4,739 |
| Cost of funding earning assets | 0.1169% | 5,894 |
| Net interest margin | 3.4577% | 3,683 |
| Noninterest income to average assets | 1.1002% | 971 |
| Noninterest expense to average assets | 3.6201% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9498% | 2,611 |
| Return on assets (ROA) | 0.9569% | 2,661 |
| Pretax return on assets | 0.6372% | 4,710 |
| Return on Equity (ROE) | 8.5541% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.5541% | 764 |
| Net charge-offs to loans | 0.1190% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.3574% | 2,692 |
| Efficiency ratio | 85.1745% | 1,075 |
| Assets per employee ($millions) | 3.1088% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 695 |
| Loan loss allowance to noncurrent loans | 2,145.2632% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 4,847 |
| Noncurrent loans to loans | 0.0975% | 5,107 |
| Net loans and leases to total assets | 51.4108% | 4,744 |
| Net loans and leases to deposits | 62.1967% | 4,618 |
| Net loans and leases to core deposits | 62.5592% | 4,842 |
| Total domestic deposits to total assets | 82.6585% | 3,958 |
| Equity capital to assets | 11.4879% | 2,372 |
| Core capital (leverage) ratio | 10.9033% | 2,487 |
| Tier 1 risk-based capital ratio | 16.0425% | 2,671 |
| Total risk-based capital ratio | 17.3024% | 2,606 |
| Memoranda: | ||
| Average total assets | $547,366,400 | 1,242 |
| Average earning assets | $498,648,600 | 1,257 |
| Average equity | $61,233,800 | 1,235 |
| Average total loans | $279,789,200 | 1,562 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 4,841 |
| Cost of funding earning assets | 0.1222% | 5,967 |
| Net interest margin | 3.4386% | 3,803 |
| Noninterest income to average assets | 1.1117% | 977 |
| Noninterest expense to average assets | 3.6333% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6103% | 4,333 |
| Return on assets (ROA) | 0.6198% | 4,394 |
| Pretax return on assets | 0.6198% | 4,924 |
| Return on Equity (ROE) | 5.5789% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.5789% | 2,536 |
| Net charge-offs to loans | 0.2062% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.8295% | 3,145 |
| Efficiency ratio | 85.6188% | 1,031 |
| Assets per employee ($millions) | 3.1260% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 811 |
| Loan loss allowance to noncurrent loans | 620.5155% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 4,791 |
| Noncurrent loans to loans | 0.3346% | 4,412 |
| Net loans and leases to total assets | 50.7395% | 4,873 |
| Net loans and leases to deposits | 61.7118% | 4,739 |
| Net loans and leases to core deposits | 62.0145% | 4,941 |
| Total domestic deposits to total assets | 82.2201% | 4,095 |
| Equity capital to assets | 11.0215% | 3,002 |
| Core capital (leverage) ratio | 10.7263% | 2,792 |
| Tier 1 risk-based capital ratio | 14.3040% | 3,674 |
| Total risk-based capital ratio | 15.5603% | 3,593 |
| Memoranda: | ||
| Average total assets | $545,089,500 | 1,252 |
| Average earning assets | $496,467,500 | 1,268 |
| Average equity | $60,560,500 | 1,262 |
| Average total loans | $276,686,000 | 1,588 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 4,588 |
| Cost of funding earning assets | 0.1314% | 5,976 |
| Net interest margin | 3.5149% | 3,440 |
| Noninterest income to average assets | 1.0436% | 1,088 |
| Noninterest expense to average assets | 3.6563% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5860% | 4,413 |
| Return on assets (ROA) | 0.5930% | 4,472 |
| Pretax return on assets | 0.5930% | 4,990 |
| Return on Equity (ROE) | 5.3231% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.3231% | 2,657 |
| Net charge-offs to loans | 0.0103% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 113.0714% | 556 |
| Efficiency ratio | 86.1867% | 1,046 |
| Assets per employee ($millions) | 3.1233% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3119% | 625 |
| Loan loss allowance to noncurrent loans | 441.5237% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 4,469 |
| Noncurrent loans to loans | 0.5236% | 3,888 |
| Net loans and leases to total assets | 48.8938% | 5,023 |
| Net loans and leases to deposits | 59.2801% | 4,914 |
| Net loans and leases to core deposits | 59.5717% | 5,099 |
| Total domestic deposits to total assets | 82.4792% | 4,133 |
| Equity capital to assets | 10.9824% | 2,897 |
| Core capital (leverage) ratio | 10.7350% | 2,693 |
| Tier 1 risk-based capital ratio | 14.7708% | 3,493 |
| Total risk-based capital ratio | 16.0296% | 3,416 |
| Memoranda: | ||
| Average total assets | $540,268,670 | 1,270 |
| Average earning assets | $491,680,670 | 1,287 |
| Average equity | $60,190,330 | 1,275 |
| Average total loans | $272,270,330 | 1,617 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 5,512 |
| Cost of funding earning assets | 0.1542% | 5,898 |
| Net interest margin | 3.1170% | 4,896 |
| Noninterest income to average assets | 0.9631% | 1,207 |
| Noninterest expense to average assets | 3.5347% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2682% | 5,510 |
| Return on assets (ROA) | 0.2690% | 5,602 |
| Pretax return on assets | 0.2690% | 5,715 |
| Return on Equity (ROE) | 2.3964% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.3964% | 4,493 |
| Net charge-offs to loans | -0.0668% | 5,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9475% | 651 |
| Assets per employee ($millions) | 2.9033% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3824% | 632 |
| Loan loss allowance to noncurrent loans | 458.7986% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 4,572 |
| Noncurrent loans to loans | 0.5193% | 4,019 |
| Net loans and leases to total assets | 49.7957% | 4,873 |
| Net loans and leases to deposits | 61.6922% | 4,600 |
| Net loans and leases to core deposits | 62.0643% | 4,833 |
| Total domestic deposits to total assets | 80.7163% | 4,882 |
| Equity capital to assets | 11.2357% | 2,714 |
| Core capital (leverage) ratio | 10.6428% | 2,801 |
| Tier 1 risk-based capital ratio | 14.4969% | 3,725 |
| Total risk-based capital ratio | 15.7578% | 3,643 |
| Memoranda: | ||
| Average total assets | $532,431,000 | 1,285 |
| Average earning assets | $485,076,500 | 1,307 |
| Average equity | $59,757,500 | 1,288 |
| Average total loans | $269,278,000 | 1,630 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 5,046 |
| Cost of funding earning assets | 0.2148% | 5,628 |
| Net interest margin | 3.4006% | 4,198 |
| Noninterest income to average assets | 1.3757% | 649 |
| Noninterest expense to average assets | 3.8589% | 903 |
| Loan and lease loss provision to assets | 0.0008% | 4,593 |
| Net operating income to assets | 1.0162% | 2,312 |
| Return on assets (ROA) | 1.0175% | 2,384 |
| Pretax return on assets | 0.5704% | 5,030 |
| Return on Equity (ROE) | 8.9528% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.9528% | 717 |
| Net charge-offs to loans | -0.2083% | 6,271 |
| Credit loss provision to net charge-offs | -0.7722% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1301% | 1,063 |
| Assets per employee ($millions) | 2.9812% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4232% | 610 |
| Loan loss allowance to noncurrent loans | 455.6184% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 4,614 |
| Noncurrent loans to loans | 0.5319% | 4,067 |
| Net loans and leases to total assets | 48.9216% | 5,076 |
| Net loans and leases to deposits | 59.3205% | 4,957 |
| Net loans and leases to core deposits | 59.7215% | 5,161 |
| Total domestic deposits to total assets | 82.4700% | 4,264 |
| Equity capital to assets | 11.2112% | 2,682 |
| Core capital (leverage) ratio | 10.7798% | 2,635 |
| Tier 1 risk-based capital ratio | 14.9201% | 3,533 |
| Total risk-based capital ratio | 16.1764% | 3,463 |
| Memoranda: | ||
| Average total assets | $492,108,000 | 1,354 |
| Average earning assets | $441,834,400 | 1,382 |
| Average equity | $55,926,400 | 1,307 |
| Average total loans | $248,717,400 | 1,696 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,926 |
| Cost of funding earning assets | 0.2217% | 5,650 |
| Net interest margin | 3.4525% | 4,010 |
| Noninterest income to average assets | 1.1391% | 928 |
| Noninterest expense to average assets | 3.8982% | 845 |
| Loan and lease loss provision to assets | 0.0011% | 4,386 |
| Net operating income to assets | 0.3253% | 5,513 |
| Return on assets (ROA) | 0.3233% | 5,587 |
| Pretax return on assets | 0.3233% | 5,732 |
| Return on Equity (ROE) | 2.8345% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.8345% | 4,586 |
| Net charge-offs to loans | -0.3121% | 6,399 |
| Credit loss provision to net charge-offs | -0.6993% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2745% | 693 |
| Assets per employee ($millions) | 2.7820% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5589% | 608 |
| Loan loss allowance to noncurrent loans | 410.9355% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7129% | 3,681 |
| Noncurrent loans to loans | 0.6227% | 4,055 |
| Net loans and leases to total assets | 49.4356% | 5,066 |
| Net loans and leases to deposits | 60.4544% | 4,901 |
| Net loans and leases to core deposits | 60.9563% | 5,121 |
| Total domestic deposits to total assets | 81.7733% | 4,554 |
| Equity capital to assets | 11.1199% | 2,841 |
| Core capital (leverage) ratio | 10.8968% | 2,582 |
| Tier 1 risk-based capital ratio | 14.8703% | 3,664 |
| Total risk-based capital ratio | 16.1273% | 3,599 |
| Memoranda: | ||
| Average total assets | $482,471,250 | 1,394 |
| Average earning assets | $431,175,750 | 1,436 |
| Average equity | $55,034,750 | 1,330 |
| Average total loans | $244,383,750 | 1,734 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7727% | 4,613 |
| Cost of funding earning assets | 0.2275% | 5,681 |
| Net interest margin | 3.5452% | 3,593 |
| Noninterest income to average assets | 1.1764% | 847 |
| Noninterest expense to average assets | 3.9973% | 768 |
| Loan and lease loss provision to assets | 0.0004% | 4,194 |
| Net operating income to assets | 0.3325% | 5,459 |
| Return on assets (ROA) | 0.3212% | 5,571 |
| Pretax return on assets | 0.3212% | 5,744 |
| Return on Equity (ROE) | 2.7910% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.7910% | 4,424 |
| Net charge-offs to loans | -0.2811% | 6,417 |
| Credit loss provision to net charge-offs | -0.2950% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3114% | 744 |
| Assets per employee ($millions) | 2.6898% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5054% | 701 |
| Loan loss allowance to noncurrent loans | 202.2925% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 2,931 |
| Noncurrent loans to loans | 1.2385% | 2,749 |
| Net loans and leases to total assets | 50.0756% | 4,956 |
| Net loans and leases to deposits | 60.4870% | 4,825 |
| Net loans and leases to core deposits | 60.9960% | 5,051 |
| Total domestic deposits to total assets | 82.7873% | 4,388 |
| Equity capital to assets | 11.3572% | 2,549 |
| Core capital (leverage) ratio | 11.2779% | 2,173 |
| Tier 1 risk-based capital ratio | 14.7350% | 3,786 |
| Total risk-based capital ratio | 15.9910% | 3,735 |
| Memoranda: | ||
| Average total assets | $476,374,670 | 1,406 |
| Average earning assets | $423,778,330 | 1,457 |
| Average equity | $54,818,330 | 1,323 |
| Average total loans | $241,160,000 | 1,752 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 3,789 |
| Cost of funding earning assets | 0.2303% | 5,753 |
| Net interest margin | 3.7454% | 2,695 |
| Noninterest income to average assets | 1.1869% | 790 |
| Noninterest expense to average assets | 4.1457% | 642 |
| Loan and lease loss provision to assets | 0.0008% | 3,814 |
| Net operating income to assets | 0.3821% | 5,177 |
| Return on assets (ROA) | 0.3888% | 5,223 |
| Pretax return on assets | 0.3888% | 5,489 |
| Return on Equity (ROE) | 3.3565% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.3565% | 4,114 |
| Net charge-offs to loans | -0.3887% | 6,518 |
| Credit loss provision to net charge-offs | -0.4348% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5448% | 909 |
| Assets per employee ($millions) | 2.6132% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6553% | 672 |
| Loan loss allowance to noncurrent loans | 198.3247% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 2,970 |
| Noncurrent loans to loans | 1.3389% | 2,800 |
| Net loans and leases to total assets | 47.7138% | 5,166 |
| Net loans and leases to deposits | 57.9785% | 4,950 |
| Net loans and leases to core deposits | 58.5222% | 5,160 |
| Total domestic deposits to total assets | 82.2956% | 4,855 |
| Equity capital to assets | 11.5907% | 2,175 |
| Core capital (leverage) ratio | 11.4493% | 2,005 |
| Tier 1 risk-based capital ratio | 15.0304% | 3,698 |
| Total risk-based capital ratio | 16.2866% | 3,641 |
| Memoranda: | ||
| Average total assets | $471,134,000 | 1,427 |
| Average earning assets | $420,354,000 | 1,471 |
| Average equity | $54,581,000 | 1,326 |
| Average total loans | $236,709,500 | 1,781 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7142% | 5,092 |
| Cost of funding earning assets | 0.2525% | 5,945 |
| Net interest margin | 3.4617% | 4,053 |
| Noninterest income to average assets | 1.4045% | 716 |
| Noninterest expense to average assets | 3.9456% | 923 |
| Loan and lease loss provision to assets | 0.0557% | 4,033 |
| Net operating income to assets | 0.6891% | 3,844 |
| Return on assets (ROA) | 0.6313% | 4,218 |
| Pretax return on assets | 0.4211% | 5,438 |
| Return on Equity (ROE) | 5.7212% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.7212% | 2,146 |
| Net charge-offs to loans | 0.6342% | 1,027 |
| Credit loss provision to net charge-offs | 17.9418% | 4,484 |
| Earnings coverage of net charge-offs (x) | 1.7217% | 4,476 |
| Efficiency ratio | 88.0672% | 1,210 |
| Assets per employee ($millions) | 2.6364% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4526% | 874 |
| Loan loss allowance to noncurrent loans | 85.0926% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 2.0233% | 1,774 |
| Noncurrent loans to loans | 2.8823% | 1,217 |
| Net loans and leases to total assets | 50.2168% | 5,059 |
| Net loans and leases to deposits | 64.2780% | 4,477 |
| Net loans and leases to core deposits | 65.0103% | 4,774 |
| Total domestic deposits to total assets | 78.1244% | 5,814 |
| Equity capital to assets | 11.5793% | 2,113 |
| Core capital (leverage) ratio | 11.1409% | 2,245 |
| Tier 1 risk-based capital ratio | 14.5099% | 3,949 |
| Total risk-based capital ratio | 15.7649% | 3,882 |
| Memoranda: | ||
| Average total assets | $475,669,000 | 1,397 |
| Average earning assets | $422,625,000 | 1,444 |
| Average equity | $52,488,600 | 1,351 |
| Average total loans | $232,906,800 | 1,771 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 4,886 |
| Cost of funding earning assets | 0.2561% | 6,044 |
| Net interest margin | 3.5358% | 3,731 |
| Noninterest income to average assets | 1.5080% | 642 |
| Noninterest expense to average assets | 4.0125% | 843 |
| Loan and lease loss provision to assets | 0.0740% | 3,573 |
| Net operating income to assets | 0.5568% | 4,547 |
| Return on assets (ROA) | 0.5051% | 4,935 |
| Pretax return on assets | 0.5051% | 5,340 |
| Return on Equity (ROE) | 4.6335% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.6335% | 3,375 |
| Net charge-offs to loans | 0.9153% | 638 |
| Credit loss provision to net charge-offs | 16.7298% | 4,118 |
| Earnings coverage of net charge-offs (x) | 1.4255% | 4,362 |
| Efficiency ratio | 86.4148% | 1,328 |
| Assets per employee ($millions) | 2.8748% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5073% | 925 |
| Loan loss allowance to noncurrent loans | 84.0387% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.8486% | 2,203 |
| Noncurrent loans to loans | 2.9835% | 1,355 |
| Net loans and leases to total assets | 44.7119% | 5,657 |
| Net loans and leases to deposits | 54.0126% | 5,538 |
| Net loans and leases to core deposits | 54.5505% | 5,724 |
| Total domestic deposits to total assets | 82.7804% | 4,656 |
| Equity capital to assets | 10.4677% | 3,316 |
| Core capital (leverage) ratio | 11.2270% | 2,272 |
| Tier 1 risk-based capital ratio | 14.8964% | 3,816 |
| Total risk-based capital ratio | 16.1512% | 3,765 |
| Memoranda: | ||
| Average total assets | $477,267,000 | 1,399 |
| Average earning assets | $423,208,250 | 1,448 |
| Average equity | $52,026,000 | 1,374 |
| Average total loans | $230,738,250 | 1,783 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3938% | 5,923 |
| Cost of funding earning assets | 0.2661% | 6,068 |
| Net interest margin | 3.1277% | 5,193 |
| Noninterest income to average assets | 1.6160% | 612 |
| Noninterest expense to average assets | 3.9252% | 953 |
| Loan and lease loss provision to assets | 0.1133% | 2,921 |
| Net operating income to assets | 0.3421% | 5,435 |
| Return on assets (ROA) | 0.3442% | 5,599 |
| Pretax return on assets | 0.3442% | 5,763 |
| Return on Equity (ROE) | 3.1133% | 5,580 |
| Retained earnings to average equity (ytd only) | 3.1133% | 4,338 |
| Net charge-offs to loans | 1.3686% | 413 |
| Credit loss provision to net charge-offs | 16.8147% | 3,796 |
| Earnings coverage of net charge-offs (x) | 0.6758% | 4,297 |
| Efficiency ratio | 89.6037% | 1,076 |
| Assets per employee ($millions) | 2.6598% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4661% | 1,022 |
| Loan loss allowance to noncurrent loans | 53.2152% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.9229% | 1,398 |
| Noncurrent loans to loans | 4.6342% | 744 |
| Net loans and leases to total assets | 48.6691% | 5,266 |
| Net loans and leases to deposits | 59.9155% | 4,989 |
| Net loans and leases to core deposits | 60.5232% | 5,221 |
| Total domestic deposits to total assets | 81.2295% | 5,283 |
| Equity capital to assets | 10.9587% | 2,792 |
| Core capital (leverage) ratio | 11.2701% | 2,112 |
| Tier 1 risk-based capital ratio | 14.9819% | 3,791 |
| Total risk-based capital ratio | 16.2373% | 3,752 |
| Memoranda: | ||
| Average total assets | $467,701,330 | 1,419 |
| Average earning assets | $413,400,000 | 1,472 |
| Average equity | $51,713,670 | 1,389 |
| Average total loans | $230,303,000 | 1,786 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4015% | 5,937 |
| Cost of funding earning assets | 0.2752% | 6,131 |
| Net interest margin | 3.1263% | 5,174 |
| Noninterest income to average assets | 1.7271% | 533 |
| Noninterest expense to average assets | 3.8190% | 1,084 |
| Loan and lease loss provision to assets | 0.2280% | 1,609 |
| Net operating income to assets | 0.4268% | 5,016 |
| Return on assets (ROA) | 0.4311% | 5,156 |
| Pretax return on assets | 0.4311% | 5,466 |
| Return on Equity (ROE) | 3.8815% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.8815% | 3,908 |
| Net charge-offs to loans | 2.4669% | 170 |
| Credit loss provision to net charge-offs | 18.9016% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.5428% | 3,640 |
| Efficiency ratio | 85.3626% | 1,602 |
| Assets per employee ($millions) | 2.5841% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6606% | 962 |
| Loan loss allowance to noncurrent loans | 53.0879% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 3.5306% | 1,200 |
| Noncurrent loans to loans | 5.0117% | 764 |
| Net loans and leases to total assets | 47.4564% | 5,286 |
| Net loans and leases to deposits | 58.0976% | 5,020 |
| Net loans and leases to core deposits | 58.6956% | 5,269 |
| Total domestic deposits to total assets | 81.6839% | 5,301 |
| Equity capital to assets | 11.2179% | 2,717 |
| Core capital (leverage) ratio | 11.3998% | 1,945 |
| Tier 1 risk-based capital ratio | 15.3057% | 3,653 |
| Total risk-based capital ratio | 16.5623% | 3,604 |
| Memoranda: | ||
| Average total assets | $464,832,000 | 1,438 |
| Average earning assets | $408,404,500 | 1,503 |
| Average equity | $51,629,000 | 1,408 |
| Average total loans | $227,332,000 | 1,816 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 5,874 |
| Cost of funding earning assets | 0.3221% | 6,347 |
| Net interest margin | 3.4605% | 4,667 |
| Noninterest income to average assets | 1.2173% | 1,054 |
| Noninterest expense to average assets | 4.5689% | 539 |
| Loan and lease loss provision to assets | 0.8962% | 501 |
| Net operating income to assets | -1.2267% | 6,803 |
| Return on assets (ROA) | -1.2078% | 6,810 |
| Pretax return on assets | -1.2078% | 6,787 |
| Return on Equity (ROE) | -10.1366% | 6,725 |
| Retained earnings to average equity (ytd only) | -10.1366% | 6,640 |
| Net charge-offs to loans | 2.6809% | 218 |
| Credit loss provision to net charge-offs | 63.5513% | 4,356 |
| Earnings coverage of net charge-offs (x) | -0.2344% | 5,584 |
| Efficiency ratio | 107.7977% | 373 |
| Assets per employee ($millions) | 2.6095% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1145% | 595 |
| Loan loss allowance to noncurrent loans | 52.4857% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 4.5878% | 895 |
| Noncurrent loans to loans | 5.9341% | 604 |
| Net loans and leases to total assets | 47.5296% | 5,461 |
| Net loans and leases to deposits | 57.7109% | 5,279 |
| Net loans and leases to core deposits | 58.2151% | 5,525 |
| Total domestic deposits to total assets | 82.3581% | 4,978 |
| Equity capital to assets | 10.9972% | 2,959 |
| Core capital (leverage) ratio | 11.1997% | 2,092 |
| Tier 1 risk-based capital ratio | 15.2917% | 3,550 |
| Total risk-based capital ratio | 16.5529% | 3,496 |
| Memoranda: | ||
| Average total assets | $454,463,000 | 1,446 |
| Average earning assets | $396,760,200 | 1,519 |
| Average equity | $54,150,400 | 1,316 |
| Average total loans | $239,060,000 | 1,721 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7595% | 6,107 |
| Cost of funding earning assets | 0.3310% | 6,461 |
| Net interest margin | 3.4284% | 4,931 |
| Noninterest income to average assets | 1.2054% | 1,040 |
| Noninterest expense to average assets | 4.7349% | 449 |
| Loan and lease loss provision to assets | 1.1989% | 302 |
| Net operating income to assets | -1.7360% | 7,006 |
| Return on assets (ROA) | -1.7286% | 7,016 |
| Pretax return on assets | -1.7286% | 6,986 |
| Return on Equity (ROE) | -14.2238% | 6,921 |
| Retained earnings to average equity (ytd only) | -14.2238% | 6,892 |
| Net charge-offs to loans | 3.6642% | 113 |
| Credit loss provision to net charge-offs | 61.1329% | 4,122 |
| Earnings coverage of net charge-offs (x) | -0.2739% | 5,434 |
| Efficiency ratio | 112.7947% | 259 |
| Assets per employee ($millions) | 2.4504% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8622% | 837 |
| Loan loss allowance to noncurrent loans | 35.0914% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 6.0658% | 652 |
| Noncurrent loans to loans | 8.1565% | 375 |
| Net loans and leases to total assets | 51.6034% | 5,103 |
| Net loans and leases to deposits | 63.1208% | 4,825 |
| Net loans and leases to core deposits | 63.6914% | 5,188 |
| Total domestic deposits to total assets | 81.7533% | 5,100 |
| Equity capital to assets | 11.2505% | 2,980 |
| Core capital (leverage) ratio | 11.2149% | 2,203 |
| Tier 1 risk-based capital ratio | 14.6660% | 4,072 |
| Total risk-based capital ratio | 15.9374% | 4,022 |
| Memoranda: | ||
| Average total assets | $451,301,500 | 1,473 |
| Average earning assets | $393,912,750 | 1,540 |
| Average equity | $54,845,750 | 1,310 |
| Average total loans | $241,537,000 | 1,720 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 6,271 |
| Cost of funding earning assets | 0.3355% | 6,572 |
| Net interest margin | 3.4058% | 5,055 |
| Noninterest income to average assets | 1.2951% | 843 |
| Noninterest expense to average assets | 4.2754% | 666 |
| Loan and lease loss provision to assets | 0.3808% | 1,718 |
| Net operating income to assets | -0.3923% | 6,676 |
| Return on assets (ROA) | -0.3883% | 6,725 |
| Pretax return on assets | -0.3883% | 6,694 |
| Return on Equity (ROE) | -3.1179% | 6,680 |
| Retained earnings to average equity (ytd only) | -3.1179% | 6,479 |
| Net charge-offs to loans | 3.2303% | 172 |
| Credit loss provision to net charge-offs | 21.9718% | 4,573 |
| Earnings coverage of net charge-offs (x) | -0.0067% | 5,082 |
| Efficiency ratio | 100.2706% | 550 |
| Assets per employee ($millions) | 2.5356% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6706% | 1,073 |
| Loan loss allowance to noncurrent loans | 24.7563% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 7.1847% | 534 |
| Noncurrent loans to loans | 10.7877% | 224 |
| Net loans and leases to total assets | 51.0290% | 5,218 |
| Net loans and leases to deposits | 62.1248% | 4,977 |
| Net loans and leases to core deposits | 62.6750% | 5,331 |
| Total domestic deposits to total assets | 82.1395% | 5,077 |
| Equity capital to assets | 12.1494% | 2,029 |
| Core capital (leverage) ratio | 12.3817% | 1,404 |
| Tier 1 risk-based capital ratio | 16.3259% | 2,991 |
| Total risk-based capital ratio | 17.5839% | 2,967 |
| Memoranda: | ||
| Average total assets | $450,625,000 | 1,477 |
| Average earning assets | $392,795,670 | 1,546 |
| Average equity | $56,127,000 | 1,266 |
| Average total loans | $241,773,670 | 1,705 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9141% | 5,986 |
| Cost of funding earning assets | 0.3477% | 6,648 |
| Net interest margin | 3.5664% | 4,412 |
| Noninterest income to average assets | 0.8762% | 1,844 |
| Noninterest expense to average assets | 4.0773% | 855 |
| Loan and lease loss provision to assets | 0.3431% | 1,824 |
| Net operating income to assets | -0.4381% | 6,793 |
| Return on assets (ROA) | -0.4354% | 6,825 |
| Pretax return on assets | -0.4354% | 6,800 |
| Return on Equity (ROE) | -3.4522% | 6,778 |
| Retained earnings to average equity (ytd only) | -3.4522% | 6,441 |
| Net charge-offs to loans | 5.1660% | 88 |
| Credit loss provision to net charge-offs | 12.2364% | 3,872 |
| Earnings coverage of net charge-offs (x) | -0.0339% | 4,381 |
| Efficiency ratio | 102.3847% | 487 |
| Assets per employee ($millions) | 2.4826% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8344% | 976 |
| Loan loss allowance to noncurrent loans | 24.7252% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 8.0974% | 467 |
| Noncurrent loans to loans | 11.4635% | 226 |
| Net loans and leases to total assets | 51.0301% | 5,148 |
| Net loans and leases to deposits | 62.5808% | 4,831 |
| Net loans and leases to core deposits | 63.1552% | 5,206 |
| Total domestic deposits to total assets | 81.5428% | 5,449 |
| Equity capital to assets | 12.4217% | 1,775 |
| Core capital (leverage) ratio | 12.6319% | 1,271 |
| Tier 1 risk-based capital ratio | 16.7182% | 2,801 |
| Total risk-based capital ratio | 17.9780% | 2,754 |
| Memoranda: | ||
| Average total assets | $446,470,000 | 1,490 |
| Average earning assets | $388,852,500 | 1,562 |
| Average equity | $56,311,500 | 1,263 |
| Average total loans | $242,352,500 | 1,706 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 5,766 |
| Cost of funding earning assets | 0.4616% | 6,697 |
| Net interest margin | 3.8368% | 3,640 |
| Noninterest income to average assets | 0.8238% | 1,952 |
| Noninterest expense to average assets | 4.4300% | 627 |
| Loan and lease loss provision to assets | 0.7919% | 1,252 |
| Net operating income to assets | -1.4396% | 6,891 |
| Return on assets (ROA) | -1.4338% | 6,911 |
| Pretax return on assets | -1.0964% | 6,772 |
| Return on Equity (ROE) | -11.4664% | 6,777 |
| Retained earnings to average equity (ytd only) | -11.4664% | 6,746 |
| Net charge-offs to loans | 1.4901% | 1,076 |
| Credit loss provision to net charge-offs | 90.2589% | 3,994 |
| Earnings coverage of net charge-offs (x) | -0.3538% | 6,027 |
| Efficiency ratio | 107.5340% | 486 |
| Assets per employee ($millions) | 2.4370% | 6,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8289% | 428 |
| Loan loss allowance to noncurrent loans | 35.4210% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 8.1127% | 495 |
| Noncurrent loans to loans | 10.8098% | 272 |
| Net loans and leases to total assets | 53.9405% | 5,048 |
| Net loans and leases to deposits | 66.5516% | 4,659 |
| Net loans and leases to core deposits | 67.3962% | 5,111 |
| Total domestic deposits to total assets | 81.0506% | 5,429 |
| Equity capital to assets | 12.8082% | 1,595 |
| Core capital (leverage) ratio | 12.0207% | 1,582 |
| Tier 1 risk-based capital ratio | 16.1553% | 2,974 |
| Total risk-based capital ratio | 17.4247% | 2,933 |
| Memoranda: | ||
| Average total assets | $444,623,400 | 1,470 |
| Average earning assets | $381,937,200 | 1,558 |
| Average equity | $55,597,200 | 1,223 |
| Average total loans | $261,787,600 | 1,605 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 5,656 |
| Cost of funding earning assets | 0.4830% | 6,772 |
| Net interest margin | 3.9018% | 3,374 |
| Noninterest income to average assets | 0.7817% | 2,133 |
| Noninterest expense to average assets | 4.3596% | 664 |
| Loan and lease loss provision to assets | 0.5686% | 1,724 |
| Net operating income to assets | -0.8078% | 6,799 |
| Return on assets (ROA) | -0.8078% | 6,837 |
| Pretax return on assets | -0.8078% | 6,787 |
| Return on Equity (ROE) | -6.4989% | 6,740 |
| Retained earnings to average equity (ytd only) | -6.4989% | 6,669 |
| Net charge-offs to loans | 1.5590% | 913 |
| Credit loss provision to net charge-offs | 61.2311% | 4,771 |
| Earnings coverage of net charge-offs (x) | -0.2575% | 5,745 |
| Efficiency ratio | 105.8033% | 505 |
| Assets per employee ($millions) | 2.4539% | 6,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4214% | 603 |
| Loan loss allowance to noncurrent loans | 38.8939% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 6.8939% | 722 |
| Noncurrent loans to loans | 8.7969% | 463 |
| Net loans and leases to total assets | 53.7853% | 5,196 |
| Net loans and leases to deposits | 65.7868% | 4,936 |
| Net loans and leases to core deposits | 66.6271% | 5,352 |
| Total domestic deposits to total assets | 81.7570% | 5,178 |
| Equity capital to assets | 11.9372% | 2,301 |
| Core capital (leverage) ratio | 11.9750% | 1,718 |
| Tier 1 risk-based capital ratio | 15.8734% | 3,178 |
| Total risk-based capital ratio | 17.1422% | 3,126 |
| Memoranda: | ||
| Average total assets | $445,504,000 | 1,482 |
| Average earning assets | $381,215,250 | 1,564 |
| Average equity | $55,372,250 | 1,222 |
| Average total loans | $265,383,250 | 1,601 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 5,170 |
| Cost of funding earning assets | 0.5026% | 6,838 |
| Net interest margin | 4.0476% | 2,622 |
| Noninterest income to average assets | 0.7952% | 2,041 |
| Noninterest expense to average assets | 4.4772% | 609 |
| Loan and lease loss provision to assets | 0.7229% | 1,296 |
| Net operating income to assets | -0.9447% | 6,929 |
| Return on assets (ROA) | -0.9447% | 6,934 |
| Pretax return on assets | -0.9447% | 6,880 |
| Return on Equity (ROE) | -7.4992% | 6,843 |
| Retained earnings to average equity (ytd only) | -7.4992% | 6,743 |
| Net charge-offs to loans | 1.7947% | 782 |
| Credit loss provision to net charge-offs | 66.1430% | 4,170 |
| Earnings coverage of net charge-offs (x) | -0.2030% | 5,406 |
| Efficiency ratio | 105.2129% | 580 |
| Assets per employee ($millions) | 2.3447% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5809% | 569 |
| Loan loss allowance to noncurrent loans | 46.2594% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 7.2491% | 683 |
| Noncurrent loans to loans | 7.7410% | 605 |
| Net loans and leases to total assets | 55.4781% | 5,070 |
| Net loans and leases to deposits | 69.2702% | 4,527 |
| Net loans and leases to core deposits | 70.3571% | 5,028 |
| Total domestic deposits to total assets | 80.0895% | 5,797 |
| Equity capital to assets | 12.5005% | 1,779 |
| Core capital (leverage) ratio | 12.0013% | 1,594 |
| Tier 1 risk-based capital ratio | 16.2345% | 2,868 |
| Total risk-based capital ratio | 17.5041% | 2,825 |
| Memoranda: | ||
| Average total assets | $442,683,330 | 1,497 |
| Average earning assets | $378,449,670 | 1,586 |
| Average equity | $55,766,000 | 1,200 |
| Average total loans | $269,572,000 | 1,601 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5596% | 5,130 |
| Cost of funding earning assets | 0.5208% | 6,893 |
| Net interest margin | 4.0387% | 2,525 |
| Noninterest income to average assets | 0.8723% | 1,759 |
| Noninterest expense to average assets | 4.4784% | 604 |
| Loan and lease loss provision to assets | 0.7194% | 1,179 |
| Net operating income to assets | -0.8597% | 6,988 |
| Return on assets (ROA) | -0.8597% | 6,992 |
| Pretax return on assets | -0.8597% | 6,945 |
| Return on Equity (ROE) | -6.7989% | 6,907 |
| Retained earnings to average equity (ytd only) | -6.7989% | 6,662 |
| Net charge-offs to loans | 2.8424% | 385 |
| Credit loss provision to net charge-offs | 40.4654% | 3,938 |
| Earnings coverage of net charge-offs (x) | -0.0789% | 4,635 |
| Efficiency ratio | 103.2338% | 645 |
| Assets per employee ($millions) | 2.3943% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2705% | 729 |
| Loan loss allowance to noncurrent loans | 36.4125% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 8.2528% | 561 |
| Noncurrent loans to loans | 8.9819% | 499 |
| Net loans and leases to total assets | 57.3103% | 4,747 |
| Net loans and leases to deposits | 71.0175% | 4,195 |
| Net loans and leases to core deposits | 72.3817% | 4,738 |
| Total domestic deposits to total assets | 80.6988% | 5,745 |
| Equity capital to assets | 12.4617% | 1,649 |
| Core capital (leverage) ratio | 12.3045% | 1,410 |
| Tier 1 risk-based capital ratio | 16.2055% | 2,807 |
| Total risk-based capital ratio | 17.4720% | 2,761 |
| Memoranda: | ||
| Average total assets | $444,797,000 | 1,504 |
| Average earning assets | $381,703,500 | 1,585 |
| Average equity | $56,244,500 | 1,179 |
| Average total loans | $278,217,500 | 1,572 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 4,418 |
| Cost of funding earning assets | 0.7510% | 6,731 |
| Net interest margin | 4.2776% | 1,894 |
| Noninterest income to average assets | 1.1267% | 1,164 |
| Noninterest expense to average assets | 3.9825% | 1,184 |
| Loan and lease loss provision to assets | 1.8089% | 765 |
| Net operating income to assets | -1.1844% | 6,785 |
| Return on assets (ROA) | -1.1844% | 6,803 |
| Pretax return on assets | -0.9356% | 6,592 |
| Return on Equity (ROE) | -9.4093% | 6,704 |
| Retained earnings to average equity (ytd only) | -9.4093% | 6,631 |
| Net charge-offs to loans | 4.7492% | 207 |
| Credit loss provision to net charge-offs | 54.3421% | 6,190 |
| Earnings coverage of net charge-offs (x) | 0.2623% | 5,847 |
| Efficiency ratio | 82.0161% | 2,164 |
| Assets per employee ($millions) | 2.3134% | 7,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3841% | 638 |
| Loan loss allowance to noncurrent loans | 31.9363% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 9.4038% | 464 |
| Noncurrent loans to loans | 10.5963% | 380 |
| Net loans and leases to total assets | 63.6647% | 3,942 |
| Net loans and leases to deposits | 76.2640% | 3,797 |
| Net loans and leases to core deposits | 78.1518% | 4,444 |
| Total domestic deposits to total assets | 83.4794% | 4,617 |
| Equity capital to assets | 12.8307% | 1,475 |
| Core capital (leverage) ratio | 11.7646% | 1,697 |
| Tier 1 risk-based capital ratio | 15.5843% | 2,960 |
| Total risk-based capital ratio | 16.8533% | 2,910 |
| Memoranda: | ||
| Average total assets | $479,468,000 | 1,399 |
| Average earning assets | $417,993,000 | 1,449 |
| Average equity | $60,355,000 | 1,105 |
| Average total loans | $336,056,600 | 1,328 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0246% | 4,697 |
| Cost of funding earning assets | 0.7974% | 6,776 |
| Net interest margin | 4.2271% | 2,115 |
| Noninterest income to average assets | 1.0855% | 1,209 |
| Noninterest expense to average assets | 3.8932% | 1,212 |
| Loan and lease loss provision to assets | 2.1396% | 534 |
| Net operating income to assets | -0.7514% | 6,766 |
| Return on assets (ROA) | -0.7514% | 6,801 |
| Pretax return on assets | -1.2521% | 6,956 |
| Return on Equity (ROE) | -5.9951% | 6,713 |
| Retained earnings to average equity (ytd only) | -5.9951% | 6,628 |
| Net charge-offs to loans | 5.6537% | 125 |
| Credit loss provision to net charge-offs | 53.2731% | 5,839 |
| Earnings coverage of net charge-offs (x) | 0.2210% | 5,790 |
| Efficiency ratio | 81.4365% | 2,139 |
| Assets per employee ($millions) | 2.5926% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2695% | 658 |
| Loan loss allowance to noncurrent loans | 24.1559% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 9.8266% | 421 |
| Noncurrent loans to loans | 13.5350% | 206 |
| Net loans and leases to total assets | 63.2822% | 4,261 |
| Net loans and leases to deposits | 75.1839% | 4,321 |
| Net loans and leases to core deposits | 77.2679% | 4,893 |
| Total domestic deposits to total assets | 84.1698% | 4,019 |
| Equity capital to assets | 12.4332% | 1,887 |
| Core capital (leverage) ratio | 11.8377% | 1,746 |
| Tier 1 risk-based capital ratio | 15.3848% | 3,053 |
| Total risk-based capital ratio | 16.6547% | 3,009 |
| Memoranda: | ||
| Average total assets | $488,871,500 | 1,390 |
| Average earning assets | $427,355,000 | 1,438 |
| Average equity | $61,270,500 | 1,096 |
| Average total loans | $347,281,250 | 1,305 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 4,255 |
| Cost of funding earning assets | 0.8663% | 6,706 |
| Net interest margin | 4.2724% | 1,882 |
| Noninterest income to average assets | 1.0802% | 1,145 |
| Noninterest expense to average assets | 3.8927% | 1,197 |
| Loan and lease loss provision to assets | 1.8152% | 685 |
| Net operating income to assets | -0.5533% | 6,700 |
| Return on assets (ROA) | -0.5533% | 6,733 |
| Pretax return on assets | -0.8944% | 6,842 |
| Return on Equity (ROE) | -4.4034% | 6,646 |
| Retained earnings to average equity (ytd only) | -4.4034% | 6,485 |
| Net charge-offs to loans | 4.8749% | 218 |
| Credit loss provision to net charge-offs | 51.1045% | 5,391 |
| Earnings coverage of net charge-offs (x) | 0.2592% | 5,467 |
| Efficiency ratio | 80.8699% | 2,318 |
| Assets per employee ($millions) | 2.6727% | 6,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8638% | 417 |
| Loan loss allowance to noncurrent loans | 26.6606% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 10.3554% | 375 |
| Noncurrent loans to loans | 14.4926% | 184 |
| Net loans and leases to total assets | 64.4051% | 4,174 |
| Net loans and leases to deposits | 76.2273% | 4,294 |
| Net loans and leases to core deposits | 78.8174% | 4,833 |
| Total domestic deposits to total assets | 84.4909% | 3,878 |
| Equity capital to assets | 12.2616% | 1,947 |
| Core capital (leverage) ratio | 12.3588% | 1,465 |
| Tier 1 risk-based capital ratio | 15.4312% | 2,938 |
| Total risk-based capital ratio | 16.7070% | 2,882 |
| Memoranda: | ||
| Average total assets | $491,952,670 | 1,389 |
| Average earning assets | $429,875,330 | 1,449 |
| Average equity | $61,816,330 | 1,075 |
| Average total loans | $358,449,000 | 1,276 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4757% | 2,706 |
| Cost of funding earning assets | 0.9134% | 6,718 |
| Net interest margin | 4.5623% | 1,021 |
| Noninterest income to average assets | 1.2473% | 793 |
| Noninterest expense to average assets | 4.0321% | 984 |
| Loan and lease loss provision to assets | 1.0749% | 1,149 |
| Net operating income to assets | 0.0826% | 6,069 |
| Return on assets (ROA) | 0.0826% | 6,178 |
| Pretax return on assets | 0.1332% | 6,052 |
| Return on Equity (ROE) | 0.6490% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.6490% | 5,561 |
| Net charge-offs to loans | 4.4747% | 286 |
| Credit loss provision to net charge-offs | 31.6715% | 4,786 |
| Earnings coverage of net charge-offs (x) | 0.3560% | 4,722 |
| Efficiency ratio | 76.9459% | 3,067 |
| Assets per employee ($millions) | 2.5675% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9807% | 388 |
| Loan loss allowance to noncurrent loans | 35.0701% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 8.9609% | 502 |
| Noncurrent loans to loans | 11.3505% | 333 |
| Net loans and leases to total assets | 71.0990% | 2,676 |
| Net loans and leases to deposits | 84.7913% | 2,801 |
| Net loans and leases to core deposits | 87.2081% | 3,717 |
| Total domestic deposits to total assets | 83.8517% | 4,214 |
| Equity capital to assets | 12.8463% | 1,582 |
| Core capital (leverage) ratio | 12.7666% | 1,307 |
| Tier 1 risk-based capital ratio | 14.8676% | 3,171 |
| Total risk-based capital ratio | 16.1446% | 3,120 |
| Memoranda: | ||
| Average total assets | $489,368,000 | 1,429 |
| Average earning assets | $428,288,500 | 1,491 |
| Average equity | $62,247,000 | 1,074 |
| Average total loans | $371,153,500 | 1,279 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1993% | 1,242 |
| Cost of funding earning assets | 1.1202% | 6,913 |
| Net interest margin | 5.0791% | 381 |
| Noninterest income to average assets | 0.9543% | 1,730 |
| Noninterest expense to average assets | 3.7717% | 1,750 |
| Loan and lease loss provision to assets | 3.7440% | 390 |
| Net operating income to assets | -1.2379% | 6,728 |
| Return on assets (ROA) | -1.2379% | 6,732 |
| Pretax return on assets | -2.0809% | 6,972 |
| Return on Equity (ROE) | -10.2686% | 6,644 |
| Retained earnings to average equity (ytd only) | -10.2686% | 6,541 |
| Net charge-offs to loans | 3.5893% | 529 |
| Credit loss provision to net charge-offs | 128.9010% | 3,994 |
| Earnings coverage of net charge-offs (x) | 0.5726% | 5,536 |
| Efficiency ratio | 69.3996% | 4,750 |
| Assets per employee ($millions) | 2.6249% | 6,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4753% | 257 |
| Loan loss allowance to noncurrent loans | 46.2606% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 7.9762% | 568 |
| Noncurrent loans to loans | 9.6740% | 442 |
| Net loans and leases to total assets | 74.1371% | 2,239 |
| Net loans and leases to deposits | 88.0714% | 2,545 |
| Net loans and leases to core deposits | 98.8474% | 4,132 |
| Total domestic deposits to total assets | 84.1784% | 3,951 |
| Equity capital to assets | 12.5956% | 1,704 |
| Core capital (leverage) ratio | 12.0165% | 1,660 |
| Tier 1 risk-based capital ratio | 14.1100% | 3,435 |
| Total risk-based capital ratio | 15.3927% | 3,368 |
| Memoranda: | ||
| Average total assets | $537,261,600 | 1,285 |
| Average earning assets | $473,942,800 | 1,332 |
| Average equity | $64,770,200 | 1,022 |
| Average total loans | $434,770,200 | 1,105 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5621% | 657 |
| Cost of funding earning assets | 1.1481% | 7,046 |
| Net interest margin | 5.4141% | 207 |
| Noninterest income to average assets | 0.9060% | 1,960 |
| Noninterest expense to average assets | 3.9519% | 1,346 |
| Loan and lease loss provision to assets | 3.5716% | 362 |
| Net operating income to assets | -1.1356% | 6,923 |
| Return on assets (ROA) | -1.1356% | 6,923 |
| Pretax return on assets | -1.8314% | 7,102 |
| Return on Equity (ROE) | -9.5152% | 6,860 |
| Retained earnings to average equity (ytd only) | -9.5152% | 6,761 |
| Net charge-offs to loans | 2.7225% | 661 |
| Credit loss provision to net charge-offs | 160.6322% | 2,949 |
| Earnings coverage of net charge-offs (x) | 0.7827% | 5,270 |
| Efficiency ratio | 69.4283% | 4,707 |
| Assets per employee ($millions) | 2.7106% | 6,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3827% | 227 |
| Loan loss allowance to noncurrent loans | 94.0729% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 4.4772% | 1,372 |
| Noncurrent loans to loans | 4.6588% | 1,479 |
| Net loans and leases to total assets | 77.8046% | 1,611 |
| Net loans and leases to deposits | 92.5465% | 2,147 |
| Net loans and leases to core deposits | 104.1641% | 3,915 |
| Total domestic deposits to total assets | 84.0708% | 3,695 |
| Equity capital to assets | 12.5757% | 1,900 |
| Core capital (leverage) ratio | 12.2005% | 1,708 |
| Tier 1 risk-based capital ratio | 13.7350% | 3,693 |
| Total risk-based capital ratio | 15.0176% | 3,627 |
| Memoranda: | ||
| Average total assets | $548,206,250 | 1,279 |
| Average earning assets | $484,628,000 | 1,321 |
| Average equity | $65,423,500 | 1,026 |
| Average total loans | $447,714,250 | 1,093 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5415% | 749 |
| Cost of funding earning assets | 1.1609% | 7,217 |
| Net interest margin | 5.3806% | 216 |
| Noninterest income to average assets | 0.8869% | 2,035 |
| Noninterest expense to average assets | 3.9189% | 1,447 |
| Loan and lease loss provision to assets | 3.2705% | 448 |
| Net operating income to assets | -0.9553% | 6,942 |
| Return on assets (ROA) | -0.9553% | 6,945 |
| Pretax return on assets | -1.5410% | 7,106 |
| Return on Equity (ROE) | -8.1372% | 6,898 |
| Retained earnings to average equity (ytd only) | -8.1372% | 6,682 |
| Net charge-offs to loans | 1.6550% | 1,142 |
| Credit loss provision to net charge-offs | 241.7018% | 1,922 |
| Earnings coverage of net charge-offs (x) | 1.2782% | 4,568 |
| Efficiency ratio | 69.3803% | 4,905 |
| Assets per employee ($millions) | 2.8639% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0846% | 243 |
| Loan loss allowance to noncurrent loans | 75.1607% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 5.7908% | 851 |
| Noncurrent loans to loans | 5.4345% | 1,070 |
| Net loans and leases to total assets | 78.5483% | 1,629 |
| Net loans and leases to deposits | 101.0173% | 1,170 |
| Net loans and leases to core deposits | 116.8462% | 2,639 |
| Total domestic deposits to total assets | 77.7573% | 6,141 |
| Equity capital to assets | 12.1952% | 2,094 |
| Core capital (leverage) ratio | 12.0179% | 1,821 |
| Tier 1 risk-based capital ratio | 13.1682% | 4,022 |
| Total risk-based capital ratio | 14.4476% | 3,923 |
| Memoranda: | ||
| Average total assets | $561,079,330 | 1,267 |
| Average earning assets | $496,521,330 | 1,303 |
| Average equity | $65,870,000 | 1,028 |
| Average total loans | $458,734,000 | 1,089 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4450% | 965 |
| Cost of funding earning assets | 1.1864% | 7,331 |
| Net interest margin | 5.2586% | 251 |
| Noninterest income to average assets | 0.8204% | 2,230 |
| Noninterest expense to average assets | 3.9461% | 1,250 |
| Loan and lease loss provision to assets | 4.7867% | 179 |
| Net operating income to assets | -2.0139% | 7,666 |
| Return on assets (ROA) | -2.0139% | 7,662 |
| Pretax return on assets | -3.2480% | 7,802 |
| Return on Equity (ROE) | -17.4733% | 7,695 |
| Retained earnings to average equity (ytd only) | -17.4733% | 7,564 |
| Net charge-offs to loans | 0.5996% | 1,978 |
| Credit loss provision to net charge-offs | 977.1755% | 642 |
| Earnings coverage of net charge-offs (x) | 3.1412% | 3,275 |
| Efficiency ratio | 71.9455% | 4,205 |
| Assets per employee ($millions) | 2.8813% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0910% | 204 |
| Loan loss allowance to noncurrent loans | 80.8012% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 5.4687% | 784 |
| Noncurrent loans to loans | 5.0630% | 1,072 |
| Net loans and leases to total assets | 79.1689% | 1,545 |
| Net loans and leases to deposits | 107.1313% | 778 |
| Net loans and leases to core deposits | 125.3708% | 1,966 |
| Total domestic deposits to total assets | 73.8990% | 6,909 |
| Equity capital to assets | 11.6102% | 2,518 |
| Core capital (leverage) ratio | 11.2522% | 2,305 |
| Tier 1 risk-based capital ratio | 12.5366% | 4,521 |
| Total risk-based capital ratio | 13.8162% | 4,424 |
| Memoranda: | ||
| Average total assets | $572,414,000 | 1,240 |
| Average earning assets | $507,741,500 | 1,273 |
| Average equity | $65,975,000 | 1,024 |
| Average total loans | $467,640,000 | 1,074 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2741% | 628 |
| Cost of funding earning assets | 1.7829% | 7,050 |
| Net interest margin | 5.4913% | 212 |
| Noninterest income to average assets | 0.7886% | 2,580 |
| Noninterest expense to average assets | 3.5284% | 2,321 |
| Loan and lease loss provision to assets | 1.9855% | 609 |
| Net operating income to assets | 0.1667% | 5,944 |
| Return on assets (ROA) | 0.1667% | 5,777 |
| Pretax return on assets | 0.2292% | 5,666 |
| Return on Equity (ROE) | 1.4658% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.4615% | 4,346 |
| Net charge-offs to loans | 1.8690% | 586 |
| Credit loss provision to net charge-offs | 127.0085% | 4,207 |
| Earnings coverage of net charge-offs (x) | 1.4167% | 5,411 |
| Efficiency ratio | 61.4364% | 6,064 |
| Assets per employee ($millions) | 2.9885% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.2973% | 4,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6520% | 584 |
| Loan loss allowance to noncurrent loans | 166.6227% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 2.4843% | 1,959 |
| Noncurrent loans to loans | 1.5916% | 3,384 |
| Net loans and leases to total assets | 78.7482% | 1,948 |
| Net loans and leases to deposits | 110.0622% | 827 |
| Net loans and leases to core deposits | 126.7355% | 2,106 |
| Total domestic deposits to total assets | 71.5488% | 7,080 |
| Equity capital to assets | 11.4460% | 2,671 |
| Core capital (leverage) ratio | 11.2209% | 2,417 |
| Tier 1 risk-based capital ratio | 12.4987% | 4,437 |
| Total risk-based capital ratio | 13.7622% | 4,330 |
| Memoranda: | ||
| Average total assets | $605,125,800 | 1,118 |
| Average earning assets | $545,974,600 | 1,134 |
| Average equity | $68,834,800 | 974 |
| Average total loans | $506,153,400 | 949 |