Home > Kingsley State Bank > Performance and Condition Ratios
Kingsley State Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 3,176 |
| Cost of funding earning assets | 1.1775% | 963 |
| Net interest margin | 3.2364% | 4,316 |
| Noninterest income to average assets | 0.2067% | 4,508 |
| Noninterest expense to average assets | 2.3715% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6081% | 4,212 |
| Return on assets (ROA) | 0.9770% | 2,978 |
| Pretax return on assets | 1.0292% | 3,350 |
| Return on Equity (ROE) | 8.1450% | 3,196 |
| Retained earnings to average equity (ytd only) | 8.1450% | 1,605 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7249% | 1,191 |
| Assets per employee ($millions) | 6.4042% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2686% | 320 |
| Loan loss allowance to noncurrent loans | 197.4156% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 1,935 |
| Noncurrent loans to loans | 1.1492% | 1,455 |
| Net loans and leases to total assets | 61.6613% | 3,534 |
| Net loans and leases to deposits | 70.4077% | 3,743 |
| Net loans and leases to core deposits | 78.7529% | 3,468 |
| Total domestic deposits to total assets | 87.5775% | 1,531 |
| Equity capital to assets | 12.1378% | 1,941 |
| Core capital (leverage) ratio | 12.1818% | 1,679 |
| Tier 1 risk-based capital ratio | 17.7109% | 1,879 |
| Total risk-based capital ratio | 18.9709% | 1,834 |
| Memoranda: | ||
| Average total assets | $191,606,500 | 2,981 |
| Average earning assets | $166,113,000 | 3,103 |
| Average equity | $22,983,500 | 2,886 |
| Average total loans | $126,846,500 | 2,938 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 3,685 |
| Cost of funding earning assets | 0.8258% | 1,416 |
| Net interest margin | 3.2927% | 4,272 |
| Noninterest income to average assets | 0.2308% | 4,528 |
| Noninterest expense to average assets | 2.1613% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0356% | 2,859 |
| Return on assets (ROA) | 1.0375% | 2,839 |
| Pretax return on assets | 1.1492% | 3,101 |
| Return on Equity (ROE) | 8.4293% | 3,256 |
| Retained earnings to average equity (ytd only) | -5.2704% | 5,249 |
| Net charge-offs to loans | -0.0134% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3260% | 2,983 |
| Assets per employee ($millions) | 5.9714% | 1,542 |
| Cash dividends to net income (ytd only)* | 162.5251% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 417 |
| Loan loss allowance to noncurrent loans | 190.3114% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 1,844 |
| Noncurrent loans to loans | 1.0908% | 1,494 |
| Net loans and leases to total assets | 67.8883% | 2,890 |
| Net loans and leases to deposits | 77.2150% | 3,255 |
| Net loans and leases to core deposits | 85.9339% | 2,922 |
| Total domestic deposits to total assets | 87.9211% | 1,335 |
| Equity capital to assets | 11.8517% | 1,997 |
| Core capital (leverage) ratio | 12.1000% | 1,671 |
| Tier 1 risk-based capital ratio | 15.3846% | 2,669 |
| Total risk-based capital ratio | 16.6416% | 2,589 |
| Memoranda: | ||
| Average total assets | $192,387,600 | 2,939 |
| Average earning assets | $179,821,800 | 2,922 |
| Average equity | $23,679,400 | 2,759 |
| Average total loans | $134,351,400 | 2,830 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 3,595 |
| Cost of funding earning assets | 0.7775% | 1,435 |
| Net interest margin | 3.3342% | 4,194 |
| Noninterest income to average assets | 0.2767% | 4,303 |
| Noninterest expense to average assets | 2.1378% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1941% | 2,266 |
| Return on assets (ROA) | 1.1941% | 2,267 |
| Pretax return on assets | 1.2571% | 2,784 |
| Return on Equity (ROE) | 9.6137% | 2,792 |
| Retained earnings to average equity (ytd only) | -7.3690% | 5,357 |
| Net charge-offs to loans | -0.0158% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9713% | 3,341 |
| Assets per employee ($millions) | 5.7092% | 1,728 |
| Cash dividends to net income (ytd only)* | 176.6508% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 423 |
| Loan loss allowance to noncurrent loans | 1,094.8207% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 4,290 |
| Noncurrent loans to loans | 0.1896% | 4,036 |
| Net loans and leases to total assets | 68.8151% | 2,820 |
| Net loans and leases to deposits | 78.2836% | 3,214 |
| Net loans and leases to core deposits | 85.3399% | 3,062 |
| Total domestic deposits to total assets | 87.9048% | 1,279 |
| Equity capital to assets | 11.8070% | 2,027 |
| Core capital (leverage) ratio | 12.0394% | 1,760 |
| Tier 1 risk-based capital ratio | 15.3622% | 2,713 |
| Total risk-based capital ratio | 16.6193% | 2,637 |
| Memoranda: | ||
| Average total assets | $192,713,000 | 2,960 |
| Average earning assets | $180,228,000 | 2,944 |
| Average equity | $23,937,500 | 2,742 |
| Average total loans | $134,820,500 | 2,845 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,729 |
| Cost of funding earning assets | 0.7270% | 1,489 |
| Net interest margin | 3.2907% | 4,273 |
| Noninterest income to average assets | 0.2853% | 4,270 |
| Noninterest expense to average assets | 2.1365% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1548% | 2,373 |
| Return on assets (ROA) | 1.1548% | 2,375 |
| Pretax return on assets | 1.2125% | 2,899 |
| Return on Equity (ROE) | 9.1504% | 2,952 |
| Retained earnings to average equity (ytd only) | 9.1504% | 1,167 |
| Net charge-offs to loans | -0.0236% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7958% | 3,348 |
| Assets per employee ($millions) | 5.8310% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0152% | 506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.4373% | 2,664 |
| Net loans and leases to deposits | 79.9873% | 2,955 |
| Net loans and leases to core deposits | 86.8757% | 2,836 |
| Total domestic deposits to total assets | 86.8104% | 1,928 |
| Equity capital to assets | 12.9532% | 1,320 |
| Core capital (leverage) ratio | 12.9512% | 1,240 |
| Tier 1 risk-based capital ratio | 16.3358% | 2,315 |
| Total risk-based capital ratio | 17.5925% | 2,260 |
| Memoranda: | ||
| Average total assets | $194,149,000 | 2,958 |
| Average earning assets | $180,752,330 | 2,954 |
| Average equity | $24,501,670 | 2,700 |
| Average total loans | $135,627,670 | 2,846 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 3,590 |
| Cost of funding earning assets | 0.6850% | 1,523 |
| Net interest margin | 3.3209% | 4,130 |
| Noninterest income to average assets | 0.2277% | 4,648 |
| Noninterest expense to average assets | 2.1496% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1035% | 2,403 |
| Return on assets (ROA) | 1.1035% | 2,420 |
| Pretax return on assets | 1.1610% | 2,931 |
| Return on Equity (ROE) | 8.8596% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.8596% | 1,514 |
| Net charge-offs to loans | -0.0384% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9318% | 3,328 |
| Assets per employee ($millions) | 6.0002% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 5,037 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.8493% | 2,914 |
| Net loans and leases to deposits | 76.3719% | 3,170 |
| Net loans and leases to core deposits | 82.9248% | 3,070 |
| Total domestic deposits to total assets | 87.5313% | 1,884 |
| Equity capital to assets | 12.2889% | 1,611 |
| Core capital (leverage) ratio | 12.7529% | 1,271 |
| Tier 1 risk-based capital ratio | 15.0966% | 2,829 |
| Total risk-based capital ratio | 16.3519% | 2,763 |
| Memoranda: | ||
| Average total assets | $195,011,500 | 2,982 |
| Average earning assets | $181,033,000 | 2,981 |
| Average equity | $24,290,000 | 2,747 |
| Average total loans | $135,260,500 | 2,868 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,559 |
| Cost of funding earning assets | 0.6036% | 1,576 |
| Net interest margin | 3.3495% | 4,011 |
| Noninterest income to average assets | 0.2905% | 4,387 |
| Noninterest expense to average assets | 2.0820% | 4,802 |
| Loan and lease loss provision to assets | 0.1458% | 1,562 |
| Net operating income to assets | 1.1165% | 1,804 |
| Return on assets (ROA) | 1.1357% | 1,765 |
| Pretax return on assets | 1.1956% | 2,785 |
| Return on Equity (ROE) | 8.8561% | 2,377 |
| Retained earnings to average equity (ytd only) | 1.5174% | 4,392 |
| Net charge-offs to loans | -0.0109% | 4,806 |
| Credit loss provision to net charge-offs | -1,964.2857% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1778% | 4,085 |
| Assets per employee ($millions) | 6.0005% | 1,513 |
| Cash dividends to net income (ytd only)* | 82.8665% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 525 |
| Loan loss allowance to noncurrent loans | 21,015.3846% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,035 |
| Noncurrent loans to loans | 0.0096% | 5,000 |
| Net loans and leases to total assets | 69.0972% | 2,665 |
| Net loans and leases to deposits | 79.1936% | 3,007 |
| Net loans and leases to core deposits | 85.7923% | 2,922 |
| Total domestic deposits to total assets | 87.2510% | 1,877 |
| Equity capital to assets | 12.6277% | 1,443 |
| Core capital (leverage) ratio | 12.6416% | 1,288 |
| Tier 1 risk-based capital ratio | 15.3718% | 2,675 |
| Total risk-based capital ratio | 16.6275% | 2,611 |
| Memoranda: | ||
| Average total assets | $188,612,600 | 3,034 |
| Average earning assets | $175,278,800 | 3,009 |
| Average equity | $24,186,800 | 2,738 |
| Average total loans | $128,926,800 | 2,928 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,643 |
| Cost of funding earning assets | 0.5883% | 1,615 |
| Net interest margin | 3.3260% | 4,089 |
| Noninterest income to average assets | 0.3068% | 4,334 |
| Noninterest expense to average assets | 2.0110% | 4,928 |
| Loan and lease loss provision to assets | 0.0710% | 2,658 |
| Net operating income to assets | 1.2540% | 1,496 |
| Return on assets (ROA) | 1.2796% | 1,433 |
| Pretax return on assets | 1.3471% | 2,299 |
| Return on Equity (ROE) | 9.9397% | 2,161 |
| Retained earnings to average equity (ytd only) | 1.3073% | 4,883 |
| Net charge-offs to loans | -0.0073% | 4,548 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1108% | 4,336 |
| Assets per employee ($millions) | 6.0139% | 1,484 |
| Cash dividends to net income (ytd only)* | 86.8476% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 5,100 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.6486% | 2,895 |
| Net loans and leases to deposits | 78.0346% | 3,159 |
| Net loans and leases to core deposits | 85.2581% | 3,030 |
| Total domestic deposits to total assets | 86.6905% | 2,001 |
| Equity capital to assets | 13.0965% | 1,336 |
| Core capital (leverage) ratio | 12.9001% | 1,254 |
| Tier 1 risk-based capital ratio | 15.6117% | 2,666 |
| Total risk-based capital ratio | 16.8669% | 2,607 |
| Memoranda: | ||
| Average total assets | $187,762,000 | 3,072 |
| Average earning assets | $174,739,250 | 3,041 |
| Average equity | $24,171,750 | 2,766 |
| Average total loans | $127,306,250 | 2,978 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 3,618 |
| Cost of funding earning assets | 0.5791% | 1,581 |
| Net interest margin | 3.3026% | 4,098 |
| Noninterest income to average assets | 0.2869% | 4,502 |
| Noninterest expense to average assets | 1.9999% | 4,978 |
| Loan and lease loss provision to assets | 0.0531% | 2,915 |
| Net operating income to assets | 1.2355% | 1,486 |
| Return on assets (ROA) | 1.2476% | 1,472 |
| Pretax return on assets | 1.3135% | 2,337 |
| Return on Equity (ROE) | 9.7466% | 2,148 |
| Retained earnings to average equity (ytd only) | -1.5027% | 5,294 |
| Net charge-offs to loans | -0.0158% | 4,686 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6324% | 4,373 |
| Assets per employee ($millions) | 6.0464% | 1,425 |
| Cash dividends to net income (ytd only)* | 115.4174% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9455% | 664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 5,149 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 67.3035% | 2,903 |
| Net loans and leases to deposits | 77.3698% | 3,174 |
| Net loans and leases to core deposits | 84.4612% | 3,019 |
| Total domestic deposits to total assets | 86.9894% | 1,965 |
| Equity capital to assets | 12.8250% | 1,460 |
| Core capital (leverage) ratio | 12.4381% | 1,394 |
| Tier 1 risk-based capital ratio | 15.4450% | 2,731 |
| Total risk-based capital ratio | 16.6997% | 2,666 |
| Memoranda: | ||
| Average total assets | $188,205,670 | 3,079 |
| Average earning assets | $174,769,000 | 3,051 |
| Average equity | $24,090,330 | 2,773 |
| Average total loans | $126,852,330 | 2,991 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 3,748 |
| Cost of funding earning assets | 0.5524% | 1,698 |
| Net interest margin | 3.2549% | 4,151 |
| Noninterest income to average assets | 0.2291% | 4,902 |
| Noninterest expense to average assets | 1.9874% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2026% | 1,499 |
| Return on assets (ROA) | 1.2026% | 1,536 |
| Pretax return on assets | 1.2662% | 2,362 |
| Return on Equity (ROE) | 9.4045% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.4045% | 946 |
| Net charge-offs to loans | -0.0286% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0821% | 4,304 |
| Assets per employee ($millions) | 6.6473% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9113% | 773 |
| Loan loss allowance to noncurrent loans | 5,838.0952% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 5,102 |
| Noncurrent loans to loans | 0.0327% | 5,071 |
| Net loans and leases to total assets | 65.2795% | 3,080 |
| Net loans and leases to deposits | 76.1660% | 3,182 |
| Net loans and leases to core deposits | 81.9063% | 3,105 |
| Total domestic deposits to total assets | 85.7069% | 2,791 |
| Equity capital to assets | 12.6783% | 1,420 |
| Core capital (leverage) ratio | 12.9445% | 1,167 |
| Tier 1 risk-based capital ratio | 15.6779% | 2,672 |
| Total risk-based capital ratio | 16.9320% | 2,616 |
| Memoranda: | ||
| Average total assets | $188,589,000 | 3,097 |
| Average earning assets | $175,244,000 | 3,077 |
| Average equity | $24,116,000 | 2,780 |
| Average total loans | $125,950,500 | 3,025 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 3,676 |
| Cost of funding earning assets | 0.5434% | 1,764 |
| Net interest margin | 3.3287% | 4,058 |
| Noninterest income to average assets | 0.3408% | 4,302 |
| Noninterest expense to average assets | 1.9992% | 5,189 |
| Loan and lease loss provision to assets | 0.1372% | 1,823 |
| Net operating income to assets | 1.2128% | 1,460 |
| Return on assets (ROA) | 1.2787% | 1,342 |
| Pretax return on assets | 1.3357% | 2,162 |
| Return on Equity (ROE) | 9.7723% | 2,071 |
| Retained earnings to average equity (ytd only) | 4.9491% | 2,381 |
| Net charge-offs to loans | -0.0847% | 5,534 |
| Credit loss provision to net charge-offs | -245.0980% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7391% | 4,755 |
| Assets per employee ($millions) | 6.3589% | 1,231 |
| Cash dividends to net income (ytd only)* | 49.3562% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 684 |
| Loan loss allowance to noncurrent loans | 27,144.4444% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 5,231 |
| Noncurrent loans to loans | 0.0073% | 5,275 |
| Net loans and leases to total assets | 65.7057% | 3,115 |
| Net loans and leases to deposits | 76.8981% | 3,214 |
| Net loans and leases to core deposits | 82.8248% | 3,143 |
| Total domestic deposits to total assets | 85.4452% | 2,860 |
| Equity capital to assets | 12.9019% | 1,296 |
| Core capital (leverage) ratio | 12.9610% | 1,147 |
| Tier 1 risk-based capital ratio | 15.8530% | 2,608 |
| Total risk-based capital ratio | 17.1078% | 2,534 |
| Memoranda: | ||
| Average total assets | $182,222,400 | 3,144 |
| Average earning assets | $167,661,400 | 3,144 |
| Average equity | $23,842,800 | 2,812 |
| Average total loans | $120,363,600 | 3,064 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 3,686 |
| Cost of funding earning assets | 0.5196% | 1,941 |
| Net interest margin | 3.3529% | 4,022 |
| Noninterest income to average assets | 0.3515% | 4,274 |
| Noninterest expense to average assets | 1.9602% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3919% | 1,085 |
| Return on assets (ROA) | 1.4553% | 1,011 |
| Pretax return on assets | 1.5316% | 1,605 |
| Return on Equity (ROE) | 11.0831% | 1,641 |
| Retained earnings to average equity (ytd only) | 5.4940% | 2,490 |
| Net charge-offs to loans | -0.1082% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2316% | 4,928 |
| Assets per employee ($millions) | 6.4366% | 1,149 |
| Cash dividends to net income (ytd only)* | 50.4287% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 1,019 |
| Loan loss allowance to noncurrent loans | 18,233.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 5,508 |
| Noncurrent loans to loans | 0.0099% | 5,368 |
| Net loans and leases to total assets | 66.3463% | 3,060 |
| Net loans and leases to deposits | 78.3031% | 3,154 |
| Net loans and leases to core deposits | 85.1610% | 3,025 |
| Total domestic deposits to total assets | 84.7301% | 2,926 |
| Equity capital to assets | 13.4999% | 1,248 |
| Core capital (leverage) ratio | 13.0939% | 1,154 |
| Tier 1 risk-based capital ratio | 16.2980% | 2,501 |
| Total risk-based capital ratio | 17.5512% | 2,450 |
| Memoranda: | ||
| Average total assets | $181,676,250 | 3,161 |
| Average earning assets | $166,538,500 | 3,172 |
| Average equity | $23,855,500 | 2,828 |
| Average total loans | $119,552,250 | 3,085 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 3,716 |
| Cost of funding earning assets | 0.5079% | 2,042 |
| Net interest margin | 3.3595% | 4,026 |
| Noninterest income to average assets | 0.3118% | 4,545 |
| Noninterest expense to average assets | 1.9532% | 5,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3587% | 1,143 |
| Return on assets (ROA) | 1.4537% | 1,016 |
| Pretax return on assets | 1.5305% | 1,585 |
| Return on Equity (ROE) | 11.1743% | 1,581 |
| Retained earnings to average equity (ytd only) | 4.0005% | 3,358 |
| Net charge-offs to loans | -0.1229% | 5,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7223% | 4,944 |
| Assets per employee ($millions) | 6.6480% | 1,024 |
| Cash dividends to net income (ytd only)* | 64.1994% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 1,049 |
| Loan loss allowance to noncurrent loans | 2,164.0000% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 5,337 |
| Noncurrent loans to loans | 0.0841% | 5,115 |
| Net loans and leases to total assets | 65.0280% | 3,227 |
| Net loans and leases to deposits | 76.5727% | 3,318 |
| Net loans and leases to core deposits | 83.2557% | 3,144 |
| Total domestic deposits to total assets | 84.9233% | 2,911 |
| Equity capital to assets | 13.3324% | 1,316 |
| Core capital (leverage) ratio | 12.4611% | 1,374 |
| Tier 1 risk-based capital ratio | 16.2134% | 2,542 |
| Total risk-based capital ratio | 17.4669% | 2,484 |
| Memoranda: | ||
| Average total assets | $182,160,330 | 3,169 |
| Average earning assets | $166,574,670 | 3,187 |
| Average equity | $23,697,330 | 2,859 |
| Average total loans | $118,816,330 | 3,097 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 3,985 |
| Cost of funding earning assets | 0.5005% | 2,099 |
| Net interest margin | 3.2877% | 4,270 |
| Noninterest income to average assets | 0.2507% | 4,950 |
| Noninterest expense to average assets | 2.0033% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2058% | 1,533 |
| Return on assets (ROA) | 1.3363% | 1,251 |
| Pretax return on assets | 1.4060% | 1,887 |
| Return on Equity (ROE) | 10.3984% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.3984% | 765 |
| Net charge-offs to loans | -0.2155% | 5,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2258% | 4,565 |
| Assets per employee ($millions) | 6.7293% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 1,186 |
| Loan loss allowance to noncurrent loans | 5,671.0526% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 5,562 |
| Noncurrent loans to loans | 0.0315% | 5,369 |
| Net loans and leases to total assets | 65.2931% | 3,066 |
| Net loans and leases to deposits | 80.9017% | 2,684 |
| Net loans and leases to core deposits | 87.7442% | 2,588 |
| Total domestic deposits to total assets | 80.7067% | 4,580 |
| Equity capital to assets | 13.1642% | 1,334 |
| Core capital (leverage) ratio | 12.8443% | 1,220 |
| Tier 1 risk-based capital ratio | 17.2539% | 2,192 |
| Total risk-based capital ratio | 18.5081% | 2,162 |
| Memoranda: | ||
| Average total assets | $183,493,000 | 3,168 |
| Average earning assets | $168,626,500 | 3,168 |
| Average equity | $23,580,500 | 2,866 |
| Average total loans | $118,781,500 | 3,101 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8534% | 3,870 |
| Cost of funding earning assets | 0.4889% | 2,266 |
| Net interest margin | 3.3645% | 4,058 |
| Noninterest income to average assets | 0.2612% | 5,025 |
| Noninterest expense to average assets | 1.9250% | 5,581 |
| Loan and lease loss provision to assets | 0.1392% | 1,702 |
| Net operating income to assets | 1.1882% | 1,596 |
| Return on assets (ROA) | 1.1994% | 1,626 |
| Pretax return on assets | 1.2473% | 2,477 |
| Return on Equity (ROE) | 9.4894% | 2,224 |
| Retained earnings to average equity (ytd only) | 6.7844% | 1,384 |
| Net charge-offs to loans | -0.0333% | 5,432 |
| Credit loss provision to net charge-offs | -675.6757% | 5,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3361% | 5,106 |
| Assets per employee ($millions) | 6.8628% | 935 |
| Cash dividends to net income (ytd only)* | 28.5051% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 1,151 |
| Loan loss allowance to noncurrent loans | 2,091.0000% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 5,452 |
| Noncurrent loans to loans | 0.0856% | 5,154 |
| Net loans and leases to total assets | 61.8934% | 3,577 |
| Net loans and leases to deposits | 75.9429% | 3,261 |
| Net loans and leases to core deposits | 81.4763% | 3,205 |
| Total domestic deposits to total assets | 81.4999% | 4,336 |
| Equity capital to assets | 12.5437% | 1,604 |
| Core capital (leverage) ratio | 12.7713% | 1,239 |
| Tier 1 risk-based capital ratio | 16.7696% | 2,370 |
| Total risk-based capital ratio | 18.0225% | 2,322 |
| Memoranda: | ||
| Average total assets | $179,588,600 | 3,179 |
| Average earning assets | $162,194,000 | 3,225 |
| Average equity | $22,699,000 | 2,906 |
| Average total loans | $111,163,000 | 3,177 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 3,846 |
| Cost of funding earning assets | 0.4871% | 2,342 |
| Net interest margin | 3.3849% | 4,016 |
| Noninterest income to average assets | 0.2634% | 5,055 |
| Noninterest expense to average assets | 1.7542% | 5,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4788% | 955 |
| Return on assets (ROA) | 1.4937% | 965 |
| Pretax return on assets | 1.5723% | 1,466 |
| Return on Equity (ROE) | 11.7948% | 1,433 |
| Retained earnings to average equity (ytd only) | 8.7043% | 999 |
| Net charge-offs to loans | -0.0340% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9837% | 5,583 |
| Assets per employee ($millions) | 6.5704% | 1,041 |
| Cash dividends to net income (ytd only)* | 26.2025% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 1,706 |
| Loan loss allowance to noncurrent loans | 20,355.5556% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,792 |
| Noncurrent loans to loans | 0.0080% | 5,615 |
| Net loans and leases to total assets | 62.5812% | 3,523 |
| Net loans and leases to deposits | 77.5256% | 3,147 |
| Net loans and leases to core deposits | 83.1205% | 3,140 |
| Total domestic deposits to total assets | 80.7232% | 4,538 |
| Equity capital to assets | 13.0660% | 1,416 |
| Core capital (leverage) ratio | 12.6976% | 1,319 |
| Tier 1 risk-based capital ratio | 15.6290% | 2,985 |
| Total risk-based capital ratio | 16.8796% | 2,913 |
| Memoranda: | ||
| Average total assets | $178,161,750 | 3,219 |
| Average earning assets | $160,393,250 | 3,282 |
| Average equity | $22,563,000 | 2,934 |
| Average total loans | $109,759,500 | 3,235 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 3,878 |
| Cost of funding earning assets | 0.4746% | 2,473 |
| Net interest margin | 3.3743% | 3,991 |
| Noninterest income to average assets | 0.2713% | 5,014 |
| Noninterest expense to average assets | 1.7824% | 5,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4495% | 992 |
| Return on assets (ROA) | 1.4718% | 997 |
| Pretax return on assets | 1.5492% | 1,492 |
| Return on Equity (ROE) | 11.7454% | 1,456 |
| Retained earnings to average equity (ytd only) | 7.8810% | 1,313 |
| Net charge-offs to loans | -0.0349% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8800% | 5,601 |
| Assets per employee ($millions) | 6.5519% | 1,029 |
| Cash dividends to net income (ytd only)* | 32.9018% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 1,882 |
| Loan loss allowance to noncurrent loans | 14,023.0769% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,871 |
| Noncurrent loans to loans | 0.0115% | 5,718 |
| Net loans and leases to total assets | 63.0754% | 3,402 |
| Net loans and leases to deposits | 78.0991% | 3,010 |
| Net loans and leases to core deposits | 83.8703% | 2,991 |
| Total domestic deposits to total assets | 80.7633% | 4,677 |
| Equity capital to assets | 12.7444% | 1,521 |
| Core capital (leverage) ratio | 12.4050% | 1,429 |
| Tier 1 risk-based capital ratio | 15.6597% | 3,015 |
| Total risk-based capital ratio | 16.9104% | 2,974 |
| Memoranda: | ||
| Average total assets | $178,415,670 | 3,237 |
| Average earning assets | $160,564,330 | 3,296 |
| Average equity | $22,357,670 | 2,964 |
| Average total loans | $108,729,000 | 3,273 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 4,031 |
| Cost of funding earning assets | 0.4656% | 2,608 |
| Net interest margin | 3.3291% | 4,097 |
| Noninterest income to average assets | 0.1853% | 5,601 |
| Noninterest expense to average assets | 1.8284% | 5,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2749% | 1,348 |
| Return on assets (ROA) | 1.3194% | 1,300 |
| Pretax return on assets | 1.3886% | 1,931 |
| Return on Equity (ROE) | 10.6180% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.6180% | 791 |
| Net charge-offs to loans | -0.0376% | 5,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6761% | 5,373 |
| Assets per employee ($millions) | 6.6372% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 1,816 |
| Loan loss allowance to noncurrent loans | 36,280.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 5,962 |
| Noncurrent loans to loans | 0.0046% | 5,803 |
| Net loans and leases to total assets | 59.6077% | 3,711 |
| Net loans and leases to deposits | 73.5275% | 3,367 |
| Net loans and leases to core deposits | 78.6853% | 3,307 |
| Total domestic deposits to total assets | 81.0686% | 4,806 |
| Equity capital to assets | 12.6079% | 1,625 |
| Core capital (leverage) ratio | 12.2772% | 1,470 |
| Tier 1 risk-based capital ratio | 16.0390% | 2,901 |
| Total risk-based capital ratio | 17.2904% | 2,836 |
| Memoranda: | ||
| Average total assets | $179,173,000 | 3,247 |
| Average earning assets | $160,645,500 | 3,313 |
| Average equity | $22,264,000 | 2,997 |
| Average total loans | $106,391,500 | 3,333 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7274% | 4,710 |
| Cost of funding earning assets | 0.4332% | 3,354 |
| Net interest margin | 3.2942% | 4,590 |
| Noninterest income to average assets | 0.2255% | 5,511 |
| Noninterest expense to average assets | 1.8563% | 5,998 |
| Loan and lease loss provision to assets | 0.4428% | 376 |
| Net operating income to assets | 0.8740% | 3,000 |
| Return on assets (ROA) | 0.9004% | 2,960 |
| Pretax return on assets | 0.9447% | 3,713 |
| Return on Equity (ROE) | 7.1960% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.1009% | 2,525 |
| Net charge-offs to loans | -0.0409% | 5,866 |
| Credit loss provision to net charge-offs | -2,083.3333% | 5,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7198% | 5,492 |
| Assets per employee ($millions) | 6.6349% | 988 |
| Cash dividends to net income (ytd only)* | 29.1148% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 1,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 57.1310% | 4,176 |
| Net loans and leases to deposits | 70.1421% | 3,893 |
| Net loans and leases to core deposits | 74.8656% | 3,833 |
| Total domestic deposits to total assets | 81.4504% | 4,613 |
| Equity capital to assets | 12.2440% | 1,827 |
| Core capital (leverage) ratio | 11.9915% | 1,623 |
| Tier 1 risk-based capital ratio | 16.9970% | 2,517 |
| Total risk-based capital ratio | 18.2492% | 2,473 |
| Memoranda: | ||
| Average total assets | $169,366,800 | 3,352 |
| Average earning assets | $153,753,000 | 3,383 |
| Average equity | $21,192,200 | 3,032 |
| Average total loans | $88,124,200 | 3,672 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,871 |
| Cost of funding earning assets | 0.4245% | 3,525 |
| Net interest margin | 3.2728% | 4,707 |
| Noninterest income to average assets | 0.2348% | 5,523 |
| Noninterest expense to average assets | 1.5879% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5515% | 841 |
| Return on assets (ROA) | 1.5584% | 864 |
| Pretax return on assets | 1.6406% | 1,207 |
| Return on Equity (ROE) | 12.3830% | 1,377 |
| Retained earnings to average equity (ytd only) | 10.0156% | 707 |
| Net charge-offs to loans | -0.0428% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2933% | 6,128 |
| Assets per employee ($millions) | 6.7040% | 912 |
| Cash dividends to net income (ytd only)* | 19.1184% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 4,961 |
| Loan loss allowance to noncurrent loans | 1,801.7241% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 6,036 |
| Noncurrent loans to loans | 0.0586% | 5,781 |
| Net loans and leases to total assets | 56.1837% | 4,305 |
| Net loans and leases to deposits | 71.6708% | 3,715 |
| Net loans and leases to core deposits | 76.2346% | 3,713 |
| Total domestic deposits to total assets | 78.3913% | 5,450 |
| Equity capital to assets | 12.6646% | 1,601 |
| Core capital (leverage) ratio | 12.4674% | 1,421 |
| Tier 1 risk-based capital ratio | 18.1032% | 2,185 |
| Total risk-based capital ratio | 18.9799% | 2,265 |
| Memoranda: | ||
| Average total assets | $166,923,250 | 3,406 |
| Average earning assets | $152,321,750 | 3,426 |
| Average equity | $21,006,750 | 3,062 |
| Average total loans | $84,118,000 | 3,795 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 5,373 |
| Cost of funding earning assets | 0.4203% | 3,654 |
| Net interest margin | 3.0963% | 5,264 |
| Noninterest income to average assets | 0.2396% | 5,479 |
| Noninterest expense to average assets | 1.6028% | 6,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3939% | 1,081 |
| Return on assets (ROA) | 1.3997% | 1,103 |
| Pretax return on assets | 1.4739% | 1,625 |
| Return on Equity (ROE) | 11.1473% | 1,694 |
| Retained earnings to average equity (ytd only) | 8.2225% | 1,239 |
| Net charge-offs to loans | -0.0455% | 5,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1980% | 6,049 |
| Assets per employee ($millions) | 6.9759% | 806 |
| Cash dividends to net income (ytd only)* | 26.2381% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 4,909 |
| Loan loss allowance to noncurrent loans | 324.7649% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 5,587 |
| Noncurrent loans to loans | 0.3386% | 4,995 |
| Net loans and leases to total assets | 53.4298% | 4,603 |
| Net loans and leases to deposits | 67.4250% | 4,120 |
| Net loans and leases to core deposits | 72.0527% | 4,047 |
| Total domestic deposits to total assets | 79.2433% | 5,404 |
| Equity capital to assets | 12.2307% | 1,835 |
| Core capital (leverage) ratio | 12.1944% | 1,554 |
| Tier 1 risk-based capital ratio | 18.1076% | 2,203 |
| Total risk-based capital ratio | 19.0074% | 2,295 |
| Memoranda: | ||
| Average total assets | $164,462,670 | 3,474 |
| Average earning assets | $150,372,670 | 3,478 |
| Average equity | $20,650,670 | 3,102 |
| Average total loans | $79,165,330 | 3,932 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3883% | 5,674 |
| Cost of funding earning assets | 0.4208% | 3,748 |
| Net interest margin | 2.9675% | 5,606 |
| Noninterest income to average assets | 0.2784% | 5,140 |
| Noninterest expense to average assets | 1.5198% | 6,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4069% | 974 |
| Return on assets (ROA) | 1.4069% | 1,017 |
| Pretax return on assets | 1.4822% | 1,482 |
| Return on Equity (ROE) | 11.0482% | 1,668 |
| Retained earnings to average equity (ytd only) | 11.0482% | 735 |
| Net charge-offs to loans | -0.0503% | 5,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6266% | 6,219 |
| Assets per employee ($millions) | 6.6979% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 3,710 |
| Loan loss allowance to noncurrent loans | 120.6816% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 4,557 |
| Noncurrent loans to loans | 1.1408% | 3,136 |
| Net loans and leases to total assets | 45.7670% | 5,353 |
| Net loans and leases to deposits | 52.6440% | 5,415 |
| Net loans and leases to core deposits | 55.5321% | 5,386 |
| Total domestic deposits to total assets | 86.9368% | 2,854 |
| Equity capital to assets | 12.9512% | 1,327 |
| Core capital (leverage) ratio | 12.9603% | 1,182 |
| Tier 1 risk-based capital ratio | 20.9594% | 1,479 |
| Total risk-based capital ratio | 22.0063% | 1,497 |
| Memoranda: | ||
| Average total assets | $159,495,500 | 3,566 |
| Average earning assets | $146,384,000 | 3,581 |
| Average equity | $20,311,000 | 3,135 |
| Average total loans | $71,640,000 | 4,211 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2285% | 6,106 |
| Cost of funding earning assets | 0.5274% | 3,322 |
| Net interest margin | 2.7012% | 6,140 |
| Noninterest income to average assets | 0.3198% | 5,048 |
| Noninterest expense to average assets | 1.7123% | 6,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0335% | 2,189 |
| Return on assets (ROA) | 1.0389% | 2,230 |
| Pretax return on assets | 1.0917% | 2,974 |
| Return on Equity (ROE) | 8.0155% | 3,026 |
| Retained earnings to average equity (ytd only) | 3.0610% | 4,048 |
| Net charge-offs to loans | -0.0622% | 6,376 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1906% | 5,332 |
| Assets per employee ($millions) | 6.8801% | 814 |
| Cash dividends to net income (ytd only)* | 61.8115% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 3,272 |
| Loan loss allowance to noncurrent loans | 585.0575% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 6,001 |
| Noncurrent loans to loans | 0.2533% | 5,419 |
| Net loans and leases to total assets | 42.7605% | 5,770 |
| Net loans and leases to deposits | 49.0959% | 5,825 |
| Net loans and leases to core deposits | 51.6042% | 5,824 |
| Total domestic deposits to total assets | 87.0957% | 2,671 |
| Equity capital to assets | 12.5144% | 1,501 |
| Core capital (leverage) ratio | 12.7370% | 1,240 |
| Tier 1 risk-based capital ratio | 21.6039% | 1,317 |
| Total risk-based capital ratio | 22.7035% | 1,324 |
| Memoranda: | ||
| Average total assets | $157,276,200 | 3,596 |
| Average earning assets | $144,306,400 | 3,598 |
| Average equity | $20,385,600 | 3,112 |
| Average total loans | $62,735,800 | 4,519 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1917% | 6,209 |
| Cost of funding earning assets | 0.5502% | 3,260 |
| Net interest margin | 2.6416% | 6,261 |
| Noninterest income to average assets | 0.2980% | 5,312 |
| Noninterest expense to average assets | 1.5266% | 6,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1335% | 1,872 |
| Return on assets (ROA) | 1.1335% | 1,944 |
| Pretax return on assets | 1.1929% | 2,736 |
| Return on Equity (ROE) | 8.6695% | 2,799 |
| Retained earnings to average equity (ytd only) | 2.8898% | 4,597 |
| Net charge-offs to loans | -0.0609% | 6,370 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1349% | 5,886 |
| Assets per employee ($millions) | 6.6460% | 872 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 3,016 |
| Loan loss allowance to noncurrent loans | 466.2037% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 6,024 |
| Noncurrent loans to loans | 0.3422% | 5,361 |
| Net loans and leases to total assets | 40.6314% | 5,988 |
| Net loans and leases to deposits | 46.7023% | 6,052 |
| Net loans and leases to core deposits | 49.0678% | 6,068 |
| Total domestic deposits to total assets | 87.0009% | 2,693 |
| Equity capital to assets | 12.8807% | 1,386 |
| Core capital (leverage) ratio | 12.9299% | 1,234 |
| Tier 1 risk-based capital ratio | 22.5690% | 1,214 |
| Total risk-based capital ratio | 23.7156% | 1,212 |
| Memoranda: | ||
| Average total assets | $157,034,750 | 3,639 |
| Average earning assets | $143,951,750 | 3,638 |
| Average equity | $20,531,250 | 3,133 |
| Average total loans | $61,249,000 | 4,611 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1760% | 6,256 |
| Cost of funding earning assets | 0.5699% | 3,221 |
| Net interest margin | 2.6061% | 6,329 |
| Noninterest income to average assets | 0.3358% | 5,000 |
| Noninterest expense to average assets | 1.5023% | 6,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1513% | 1,736 |
| Return on assets (ROA) | 1.1513% | 1,853 |
| Pretax return on assets | 1.2119% | 2,616 |
| Return on Equity (ROE) | 8.7642% | 2,724 |
| Retained earnings to average equity (ytd only) | 1.3646% | 5,340 |
| Net charge-offs to loans | -0.0627% | 6,346 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3488% | 6,034 |
| Assets per employee ($millions) | 6.9969% | 719 |
| Cash dividends to net income (ytd only)* | 84.4298% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 2,918 |
| Loan loss allowance to noncurrent loans | 539.4595% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 6,119 |
| Noncurrent loans to loans | 0.3087% | 5,530 |
| Net loans and leases to total assets | 38.2825% | 6,163 |
| Net loans and leases to deposits | 44.0222% | 6,224 |
| Net loans and leases to core deposits | 45.7641% | 6,241 |
| Total domestic deposits to total assets | 86.9618% | 2,843 |
| Equity capital to assets | 12.9025% | 1,382 |
| Core capital (leverage) ratio | 12.5111% | 1,353 |
| Tier 1 risk-based capital ratio | 23.1434% | 1,106 |
| Total risk-based capital ratio | 24.3268% | 1,110 |
| Memoranda: | ||
| Average total assets | $158,427,330 | 3,643 |
| Average earning assets | $144,586,000 | 3,654 |
| Average equity | $20,812,000 | 3,111 |
| Average total loans | $60,627,000 | 4,654 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1160% | 6,384 |
| Cost of funding earning assets | 0.5899% | 3,206 |
| Net interest margin | 2.5261% | 6,473 |
| Noninterest income to average assets | 0.3610% | 4,779 |
| Noninterest expense to average assets | 1.5360% | 6,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0705% | 1,964 |
| Return on assets (ROA) | 1.0705% | 2,075 |
| Pretax return on assets | 1.1277% | 2,853 |
| Return on Equity (ROE) | 8.0799% | 2,935 |
| Retained earnings to average equity (ytd only) | 8.0799% | 1,724 |
| Net charge-offs to loans | -0.0722% | 6,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6636% | 5,891 |
| Assets per employee ($millions) | 7.2610% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 3,123 |
| Loan loss allowance to noncurrent loans | 818.1818% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 6,371 |
| Noncurrent loans to loans | 0.2044% | 5,891 |
| Net loans and leases to total assets | 36.4312% | 6,266 |
| Net loans and leases to deposits | 42.1380% | 6,309 |
| Net loans and leases to core deposits | 43.5817% | 6,333 |
| Total domestic deposits to total assets | 86.4569% | 3,267 |
| Equity capital to assets | 13.3878% | 1,252 |
| Core capital (leverage) ratio | 12.5043% | 1,335 |
| Tier 1 risk-based capital ratio | 23.1176% | 1,142 |
| Total risk-based capital ratio | 24.2731% | 1,133 |
| Memoranda: | ||
| Average total assets | $160,675,000 | 3,632 |
| Average earning assets | $146,470,000 | 3,655 |
| Average equity | $21,287,500 | 3,099 |
| Average total loans | $60,977,000 | 4,674 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 6,338 |
| Cost of funding earning assets | 0.7627% | 2,988 |
| Net interest margin | 2.7575% | 6,433 |
| Noninterest income to average assets | 0.3718% | 4,817 |
| Noninterest expense to average assets | 1.5426% | 6,841 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2699% | 1,397 |
| Return on assets (ROA) | 1.2793% | 1,516 |
| Pretax return on assets | 1.3501% | 2,211 |
| Return on Equity (ROE) | 9.2826% | 2,496 |
| Retained earnings to average equity (ytd only) | 4.7517% | 2,880 |
| Net charge-offs to loans | -0.0511% | 6,710 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5108% | 6,320 |
| Assets per employee ($millions) | 7.3458% | 669 |
| Cash dividends to net income (ytd only)* | 48.8108% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,478 |
| Loan loss allowance to noncurrent loans | 923.5849% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 6,450 |
| Noncurrent loans to loans | 0.1689% | 6,058 |
| Net loans and leases to total assets | 38.2339% | 6,284 |
| Net loans and leases to deposits | 44.0824% | 6,364 |
| Net loans and leases to core deposits | 45.5668% | 6,395 |
| Total domestic deposits to total assets | 86.7327% | 2,972 |
| Equity capital to assets | 13.1114% | 1,382 |
| Core capital (leverage) ratio | 12.6718% | 1,250 |
| Tier 1 risk-based capital ratio | 21.9096% | 1,277 |
| Total risk-based capital ratio | 23.0166% | 1,286 |
| Memoranda: | ||
| Average total assets | $151,175,800 | 3,752 |
| Average earning assets | $137,660,000 | 3,760 |
| Average equity | $20,834,600 | 3,102 |
| Average total loans | $58,654,000 | 4,768 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5927% | 6,403 |
| Cost of funding earning assets | 0.8013% | 2,926 |
| Net interest margin | 2.7914% | 6,514 |
| Noninterest income to average assets | 0.3338% | 5,134 |
| Noninterest expense to average assets | 1.3470% | 7,018 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4581% | 1,105 |
| Return on assets (ROA) | 1.4709% | 1,197 |
| Pretax return on assets | 1.5481% | 1,728 |
| Return on Equity (ROE) | 10.5335% | 2,121 |
| Retained earnings to average equity (ytd only) | 5.2378% | 3,198 |
| Net charge-offs to loans | -0.0486% | 6,699 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7456% | 6,781 |
| Assets per employee ($millions) | 6.8717% | 790 |
| Cash dividends to net income (ytd only)* | 50.2746% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 3,241 |
| Loan loss allowance to noncurrent loans | 746.1538% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 6,518 |
| Noncurrent loans to loans | 0.2243% | 6,050 |
| Net loans and leases to total assets | 37.6999% | 6,434 |
| Net loans and leases to deposits | 43.9321% | 6,505 |
| Net loans and leases to core deposits | 45.4222% | 6,541 |
| Total domestic deposits to total assets | 85.8141% | 3,354 |
| Equity capital to assets | 14.0153% | 1,149 |
| Core capital (leverage) ratio | 12.8184% | 1,267 |
| Tier 1 risk-based capital ratio | 23.6390% | 1,069 |
| Total risk-based capital ratio | 24.8332% | 1,058 |
| Memoranda: | ||
| Average total assets | $148,567,750 | 3,843 |
| Average earning assets | $135,605,000 | 3,841 |
| Average equity | $20,746,000 | 3,142 |
| Average total loans | $57,625,500 | 4,858 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 6,421 |
| Cost of funding earning assets | 0.8393% | 2,877 |
| Net interest margin | 2.8082% | 6,563 |
| Noninterest income to average assets | 0.3142% | 5,307 |
| Noninterest expense to average assets | 1.3392% | 7,088 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4539% | 1,076 |
| Return on assets (ROA) | 1.4719% | 1,170 |
| Pretax return on assets | 1.5491% | 1,713 |
| Return on Equity (ROE) | 10.5541% | 2,150 |
| Retained earnings to average equity (ytd only) | 3.7187% | 4,124 |
| Net charge-offs to loans | -0.0417% | 6,618 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6730% | 6,847 |
| Assets per employee ($millions) | 6.8728% | 777 |
| Cash dividends to net income (ytd only)* | 64.7654% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 3,342 |
| Loan loss allowance to noncurrent loans | 366.7939% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 6,362 |
| Noncurrent loans to loans | 0.4563% | 5,620 |
| Net loans and leases to total assets | 37.3361% | 6,530 |
| Net loans and leases to deposits | 43.3464% | 6,585 |
| Net loans and leases to core deposits | 45.1133% | 6,616 |
| Total domestic deposits to total assets | 86.1344% | 3,290 |
| Equity capital to assets | 13.6771% | 1,228 |
| Core capital (leverage) ratio | 12.6736% | 1,279 |
| Tier 1 risk-based capital ratio | 23.2132% | 1,107 |
| Total risk-based capital ratio | 24.4017% | 1,095 |
| Memoranda: | ||
| Average total assets | $147,697,670 | 3,877 |
| Average earning assets | $134,390,670 | 3,879 |
| Average equity | $20,598,670 | 3,152 |
| Average total loans | $57,512,670 | 4,888 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 6,292 |
| Cost of funding earning assets | 0.8595% | 2,998 |
| Net interest margin | 2.9218% | 6,454 |
| Noninterest income to average assets | 0.3536% | 5,039 |
| Noninterest expense to average assets | 1.3019% | 7,173 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6033% | 857 |
| Return on assets (ROA) | 1.6033% | 959 |
| Pretax return on assets | 1.6883% | 1,336 |
| Return on Equity (ROE) | 11.3824% | 1,879 |
| Retained earnings to average equity (ytd only) | 11.3824% | 946 |
| Net charge-offs to loans | -0.0278% | 6,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5380% | 7,006 |
| Assets per employee ($millions) | 7.0357% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 3,293 |
| Loan loss allowance to noncurrent loans | 607.0064% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 6,451 |
| Noncurrent loans to loans | 0.2822% | 6,115 |
| Net loans and leases to total assets | 37.0078% | 6,553 |
| Net loans and leases to deposits | 43.1597% | 6,601 |
| Net loans and leases to core deposits | 44.8696% | 6,624 |
| Total domestic deposits to total assets | 85.7462% | 3,660 |
| Equity capital to assets | 14.0562% | 1,007 |
| Core capital (leverage) ratio | 13.3408% | 1,005 |
| Tier 1 risk-based capital ratio | 24.1841% | 988 |
| Total risk-based capital ratio | 25.3990% | 978 |
| Memoranda: | ||
| Average total assets | $145,945,500 | 3,939 |
| Average earning assets | $131,699,500 | 3,948 |
| Average equity | $20,558,000 | 3,157 |
| Average total loans | $57,562,000 | 4,913 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 6,012 |
| Cost of funding earning assets | 1.0332% | 3,136 |
| Net interest margin | 3.1823% | 6,152 |
| Noninterest income to average assets | 0.2856% | 5,489 |
| Noninterest expense to average assets | 1.7027% | 7,052 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4060% | 1,021 |
| Return on assets (ROA) | 1.4060% | 1,100 |
| Pretax return on assets | 1.4746% | 1,548 |
| Return on Equity (ROE) | 10.0445% | 2,044 |
| Retained earnings to average equity (ytd only) | 3.7858% | 3,522 |
| Net charge-offs to loans | 0.0731% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 47.5714% | 582 |
| Efficiency ratio | 53.5889% | 6,553 |
| Assets per employee ($millions) | 6.8639% | 786 |
| Cash dividends to net income (ytd only)* | 62.3097% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 3,607 |
| Loan loss allowance to noncurrent loans | 387.3469% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 6,370 |
| Noncurrent loans to loans | 0.4118% | 5,895 |
| Net loans and leases to total assets | 40.6151% | 6,502 |
| Net loans and leases to deposits | 47.4040% | 6,537 |
| Net loans and leases to core deposits | 49.3264% | 6,568 |
| Total domestic deposits to total assets | 85.6786% | 3,494 |
| Equity capital to assets | 14.1167% | 1,024 |
| Core capital (leverage) ratio | 13.2142% | 1,067 |
| Tier 1 risk-based capital ratio | 22.8878% | 1,110 |
| Total risk-based capital ratio | 24.0692% | 1,099 |
| Memoranda: | ||
| Average total assets | $135,493,800 | 4,061 |
| Average earning assets | $123,117,600 | 4,069 |
| Average equity | $18,965,600 | 3,284 |
| Average total loans | $57,493,000 | 4,966 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 6,400 |
| Cost of funding earning assets | 1.0653% | 3,210 |
| Net interest margin | 3.0415% | 6,505 |
| Noninterest income to average assets | 0.3020% | 5,452 |
| Noninterest expense to average assets | 1.6110% | 7,164 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3930% | 1,169 |
| Return on assets (ROA) | 1.3930% | 1,250 |
| Pretax return on assets | 1.4660% | 1,747 |
| Return on Equity (ROE) | 9.9747% | 2,211 |
| Retained earnings to average equity (ytd only) | 2.3344% | 4,949 |
| Net charge-offs to loans | 0.1006% | 4,984 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 34.0942% | 857 |
| Efficiency ratio | 52.3562% | 6,645 |
| Assets per employee ($millions) | 6.5513% | 922 |
| Cash dividends to net income (ytd only)* | 76.5971% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 3,362 |
| Loan loss allowance to noncurrent loans | 210.1996% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 6,079 |
| Noncurrent loans to loans | 0.7961% | 5,280 |
| Net loans and leases to total assets | 40.4861% | 6,598 |
| Net loans and leases to deposits | 47.3619% | 6,662 |
| Net loans and leases to core deposits | 49.1164% | 6,710 |
| Total domestic deposits to total assets | 85.4824% | 3,507 |
| Equity capital to assets | 14.3162% | 1,052 |
| Core capital (leverage) ratio | 13.3778% | 1,083 |
| Tier 1 risk-based capital ratio | 23.4740% | 1,078 |
| Total risk-based capital ratio | 24.7107% | 1,060 |
| Memoranda: | ||
| Average total assets | $133,332,000 | 4,126 |
| Average earning assets | $121,648,500 | 4,116 |
| Average equity | $18,620,000 | 3,335 |
| Average total loans | $56,993,250 | 5,032 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 6,187 |
| Cost of funding earning assets | 1.0890% | 3,325 |
| Net interest margin | 3.1523% | 6,281 |
| Noninterest income to average assets | 0.3032% | 5,468 |
| Noninterest expense to average assets | 1.6313% | 7,236 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4737% | 937 |
| Return on assets (ROA) | 1.4737% | 992 |
| Pretax return on assets | 1.5510% | 1,378 |
| Return on Equity (ROE) | 10.6454% | 1,916 |
| Retained earnings to average equity (ytd only) | 0.2629% | 5,732 |
| Net charge-offs to loans | 0.1576% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 22.7333% | 1,112 |
| Efficiency ratio | 51.2625% | 6,855 |
| Assets per employee ($millions) | 6.4105% | 967 |
| Cash dividends to net income (ytd only)* | 97.5309% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 3,400 |
| Loan loss allowance to noncurrent loans | 386.1224% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 6,486 |
| Noncurrent loans to loans | 0.4341% | 6,039 |
| Net loans and leases to total assets | 41.2239% | 6,653 |
| Net loans and leases to deposits | 47.9203% | 6,731 |
| Net loans and leases to core deposits | 49.8298% | 6,765 |
| Total domestic deposits to total assets | 86.0260% | 3,312 |
| Equity capital to assets | 13.7623% | 1,175 |
| Core capital (leverage) ratio | 13.1733% | 1,094 |
| Tier 1 risk-based capital ratio | 23.4846% | 1,065 |
| Total risk-based capital ratio | 24.7349% | 1,047 |
| Memoranda: | ||
| Average total assets | $131,916,670 | 4,182 |
| Average earning assets | $120,481,670 | 4,177 |
| Average equity | $18,261,330 | 3,378 |
| Average total loans | $57,108,330 | 5,080 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 5,645 |
| Cost of funding earning assets | 1.1017% | 3,505 |
| Net interest margin | 3.3118% | 5,733 |
| Noninterest income to average assets | 0.3217% | 5,349 |
| Noninterest expense to average assets | 1.6513% | 7,269 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6145% | 668 |
| Return on assets (ROA) | 1.6145% | 707 |
| Pretax return on assets | 1.7095% | 966 |
| Return on Equity (ROE) | 11.6281% | 1,571 |
| Retained earnings to average equity (ytd only) | 11.6281% | 795 |
| Net charge-offs to loans | -0.0627% | 6,963 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1340% | 7,054 |
| Assets per employee ($millions) | 6.3516% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 3,004 |
| Loan loss allowance to noncurrent loans | 107.0664% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7752% | 5,360 |
| Noncurrent loans to loans | 1.6832% | 3,958 |
| Net loans and leases to total assets | 40.8515% | 6,713 |
| Net loans and leases to deposits | 47.5546% | 6,772 |
| Net loans and leases to core deposits | 49.3645% | 6,814 |
| Total domestic deposits to total assets | 85.9045% | 3,578 |
| Equity capital to assets | 13.8706% | 1,038 |
| Core capital (leverage) ratio | 13.7208% | 912 |
| Tier 1 risk-based capital ratio | 24.3090% | 945 |
| Total risk-based capital ratio | 25.5594% | 930 |
| Memoranda: | ||
| Average total assets | $130,564,500 | 4,246 |
| Average earning assets | $119,815,500 | 4,228 |
| Average equity | $18,128,500 | 3,383 |
| Average total loans | $57,441,500 | 5,112 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 5,993 |
| Cost of funding earning assets | 1.5100% | 2,580 |
| Net interest margin | 3.1285% | 6,442 |
| Noninterest income to average assets | 0.2624% | 5,916 |
| Noninterest expense to average assets | 1.5928% | 7,411 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4760% | 810 |
| Return on assets (ROA) | 1.4782% | 862 |
| Pretax return on assets | 1.5543% | 1,231 |
| Return on Equity (ROE) | 10.8219% | 1,637 |
| Retained earnings to average equity (ytd only) | 7.6953% | 1,080 |
| Net charge-offs to loans | -0.0450% | 7,439 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6484% | 7,078 |
| Assets per employee ($millions) | 6.7235% | 852 |
| Cash dividends to net income (ytd only)* | 28.8912% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 3,333 |
| Loan loss allowance to noncurrent loans | 171.7504% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 6,154 |
| Noncurrent loans to loans | 0.9715% | 5,107 |
| Net loans and leases to total assets | 45.7181% | 6,583 |
| Net loans and leases to deposits | 53.2617% | 6,660 |
| Net loans and leases to core deposits | 55.3746% | 6,729 |
| Total domestic deposits to total assets | 85.8367% | 3,438 |
| Equity capital to assets | 13.8995% | 1,066 |
| Core capital (leverage) ratio | 13.6700% | 938 |
| Tier 1 risk-based capital ratio | 23.1318% | 1,019 |
| Total risk-based capital ratio | 24.3821% | 1,003 |
| Memoranda: | ||
| Average total assets | $129,959,600 | 4,271 |
| Average earning assets | $119,737,200 | 4,235 |
| Average equity | $17,751,000 | 3,464 |
| Average total loans | $57,751,800 | 5,168 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 6,209 |
| Cost of funding earning assets | 1.6101% | 2,332 |
| Net interest margin | 3.0357% | 6,759 |
| Noninterest income to average assets | 0.2299% | 6,252 |
| Noninterest expense to average assets | 1.4782% | 7,557 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4641% | 992 |
| Return on assets (ROA) | 1.4670% | 1,061 |
| Pretax return on assets | 1.5436% | 1,493 |
| Return on Equity (ROE) | 10.7867% | 1,852 |
| Retained earnings to average equity (ytd only) | 7.2337% | 1,736 |
| Net charge-offs to loans | -0.0581% | 7,486 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9679% | 7,212 |
| Assets per employee ($millions) | 6.7716% | 847 |
| Cash dividends to net income (ytd only)* | 32.9387% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 3,177 |
| Loan loss allowance to noncurrent loans | 262.5995% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 6,638 |
| Noncurrent loans to loans | 0.6438% | 5,920 |
| Net loans and leases to total assets | 44.7416% | 6,792 |
| Net loans and leases to deposits | 52.5463% | 6,863 |
| Net loans and leases to core deposits | 54.7680% | 6,921 |
| Total domestic deposits to total assets | 85.1470% | 3,549 |
| Equity capital to assets | 14.5444% | 1,009 |
| Core capital (leverage) ratio | 13.2328% | 1,136 |
| Tier 1 risk-based capital ratio | 23.1776% | 1,042 |
| Total risk-based capital ratio | 24.4288% | 1,016 |
| Memoranda: | ||
| Average total assets | $130,513,000 | 4,316 |
| Average earning assets | $119,904,000 | 4,288 |
| Average equity | $17,749,750 | 3,517 |
| Average total loans | $57,341,250 | 5,256 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 6,170 |
| Cost of funding earning assets | 1.6989% | 2,123 |
| Net interest margin | 2.9926% | 6,842 |
| Noninterest income to average assets | 0.1998% | 6,474 |
| Noninterest expense to average assets | 1.4535% | 7,634 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4217% | 1,049 |
| Return on assets (ROA) | 1.4261% | 1,118 |
| Pretax return on assets | 1.4993% | 1,557 |
| Return on Equity (ROE) | 10.7294% | 1,844 |
| Retained earnings to average equity (ytd only) | 6.2426% | 2,201 |
| Net charge-offs to loans | -0.0632% | 7,480 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3016% | 7,268 |
| Assets per employee ($millions) | 6.9163% | 803 |
| Cash dividends to net income (ytd only)* | 41.8182% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 2,891 |
| Loan loss allowance to noncurrent loans | 171.2544% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 6,361 |
| Noncurrent loans to loans | 1.0238% | 5,263 |
| Net loans and leases to total assets | 41.9184% | 7,047 |
| Net loans and leases to deposits | 48.6209% | 7,132 |
| Net loans and leases to core deposits | 50.4585% | 7,193 |
| Total domestic deposits to total assets | 86.2149% | 2,963 |
| Equity capital to assets | 13.4982% | 1,347 |
| Core capital (leverage) ratio | 12.7441% | 1,307 |
| Tier 1 risk-based capital ratio | 23.2957% | 1,028 |
| Total risk-based capital ratio | 24.5471% | 1,003 |
| Memoranda: | ||
| Average total assets | $131,130,330 | 4,320 |
| Average earning assets | $120,431,670 | 4,302 |
| Average equity | $17,428,670 | 3,563 |
| Average total loans | $56,936,670 | 5,311 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 6,124 |
| Cost of funding earning assets | 1.7576% | 2,089 |
| Net interest margin | 2.9793% | 6,878 |
| Noninterest income to average assets | 0.2107% | 6,455 |
| Noninterest expense to average assets | 1.4810% | 7,720 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3899% | 1,095 |
| Return on assets (ROA) | 1.3986% | 1,149 |
| Pretax return on assets | 1.4719% | 1,591 |
| Return on Equity (ROE) | 10.6055% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.6055% | 1,012 |
| Net charge-offs to loans | -0.1116% | 7,541 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3112% | 7,294 |
| Assets per employee ($millions) | 7.0645% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 2,908 |
| Loan loss allowance to noncurrent loans | 106.1688% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 5,798 |
| Noncurrent loans to loans | 1.6438% | 4,282 |
| Net loans and leases to total assets | 41.1478% | 7,168 |
| Net loans and leases to deposits | 47.4926% | 7,255 |
| Net loans and leases to core deposits | 49.2365% | 7,313 |
| Total domestic deposits to total assets | 86.6404% | 2,822 |
| Equity capital to assets | 13.0690% | 1,496 |
| Core capital (leverage) ratio | 12.9559% | 1,224 |
| Tier 1 risk-based capital ratio | 22.8947% | 1,093 |
| Total risk-based capital ratio | 24.1459% | 1,065 |
| Memoranda: | ||
| Average total assets | $130,990,500 | 4,382 |
| Average earning assets | $120,163,000 | 4,368 |
| Average equity | $17,274,000 | 3,609 |
| Average total loans | $57,371,000 | 5,368 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1813% | 5,736 |
| Cost of funding earning assets | 2.1537% | 2,223 |
| Net interest margin | 3.0277% | 6,577 |
| Noninterest income to average assets | 0.3067% | 5,891 |
| Noninterest expense to average assets | 1.6907% | 7,708 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3219% | 990 |
| Return on assets (ROA) | 1.2823% | 1,124 |
| Pretax return on assets | 1.3327% | 1,606 |
| Return on Equity (ROE) | 9.3452% | 1,908 |
| Retained earnings to average equity (ytd only) | 3.3922% | 2,792 |
| Net charge-offs to loans | -0.0125% | 7,761 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1659% | 7,113 |
| Assets per employee ($millions) | 6.7239% | 896 |
| Cash dividends to net income (ytd only)* | 63.7008% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 3,089 |
| Loan loss allowance to noncurrent loans | 102.0085% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 5,624 |
| Noncurrent loans to loans | 1.6163% | 4,229 |
| Net loans and leases to total assets | 45.0589% | 7,051 |
| Net loans and leases to deposits | 52.1691% | 7,148 |
| Net loans and leases to core deposits | 64.1086% | 7,080 |
| Total domestic deposits to total assets | 86.3708% | 2,828 |
| Equity capital to assets | 13.3114% | 1,391 |
| Core capital (leverage) ratio | 13.0320% | 1,243 |
| Tier 1 risk-based capital ratio | 22.2127% | 1,123 |
| Total risk-based capital ratio | 23.4635% | 1,103 |
| Memoranda: | ||
| Average total assets | $120,957,800 | 4,535 |
| Average earning assets | $110,184,200 | 4,561 |
| Average equity | $16,596,800 | 3,761 |
| Average total loans | $56,214,800 | 5,409 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 5,863 |
| Cost of funding earning assets | 2.2497% | 2,187 |
| Net interest margin | 2.9537% | 6,724 |
| Noninterest income to average assets | 0.3421% | 5,757 |
| Noninterest expense to average assets | 1.4959% | 7,888 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4534% | 907 |
| Return on assets (ROA) | 1.4534% | 967 |
| Pretax return on assets | 1.5294% | 1,330 |
| Return on Equity (ROE) | 10.5083% | 1,760 |
| Retained earnings to average equity (ytd only) | 3.2656% | 3,486 |
| Net charge-offs to loans | -0.0096% | 7,679 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4457% | 7,593 |
| Assets per employee ($millions) | 6.5138% | 976 |
| Cash dividends to net income (ytd only)* | 68.9233% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 2,476 |
| Loan loss allowance to noncurrent loans | 130.1759% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 5,956 |
| Noncurrent loans to loans | 1.3374% | 4,700 |
| Net loans and leases to total assets | 43.8705% | 7,254 |
| Net loans and leases to deposits | 51.0795% | 7,357 |
| Net loans and leases to core deposits | 63.6989% | 7,257 |
| Total domestic deposits to total assets | 85.8866% | 2,756 |
| Equity capital to assets | 13.7425% | 1,399 |
| Core capital (leverage) ratio | 13.2375% | 1,310 |
| Tier 1 risk-based capital ratio | 23.2067% | 1,082 |
| Total risk-based capital ratio | 24.4585% | 1,055 |
| Memoranda: | ||
| Average total assets | $119,258,500 | 4,614 |
| Average earning assets | $108,337,000 | 4,639 |
| Average equity | $16,494,500 | 3,814 |
| Average total loans | $55,636,000 | 5,473 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 5,327 |
| Cost of funding earning assets | 2.3580% | 2,131 |
| Net interest margin | 3.0067% | 6,532 |
| Noninterest income to average assets | 0.3889% | 5,388 |
| Noninterest expense to average assets | 1.4419% | 7,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5795% | 712 |
| Return on assets (ROA) | 1.5795% | 776 |
| Pretax return on assets | 1.6627% | 1,086 |
| Return on Equity (ROE) | 11.3947% | 1,590 |
| Retained earnings to average equity (ytd only) | 1.5438% | 4,468 |
| Net charge-offs to loans | -0.0108% | 7,618 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4442% | 7,835 |
| Assets per employee ($millions) | 6.7011% | 885 |
| Cash dividends to net income (ytd only)* | 86.4516% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 2,158 |
| Loan loss allowance to noncurrent loans | 88.3272% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.9020% | 5,179 |
| Noncurrent loans to loans | 1.9900% | 3,540 |
| Net loans and leases to total assets | 44.5303% | 7,294 |
| Net loans and leases to deposits | 51.6357% | 7,403 |
| Net loans and leases to core deposits | 64.4848% | 7,274 |
| Total domestic deposits to total assets | 86.2393% | 2,656 |
| Equity capital to assets | 13.3536% | 1,541 |
| Core capital (leverage) ratio | 13.1529% | 1,384 |
| Tier 1 risk-based capital ratio | 22.0309% | 1,251 |
| Total risk-based capital ratio | 23.1833% | 1,240 |
| Memoranda: | ||
| Average total assets | $117,757,330 | 4,693 |
| Average earning assets | $106,362,000 | 4,713 |
| Average equity | $16,323,330 | 3,853 |
| Average total loans | $55,762,330 | 5,520 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4892% | 4,970 |
| Cost of funding earning assets | 2.4308% | 2,173 |
| Net interest margin | 3.0584% | 6,307 |
| Noninterest income to average assets | 0.4264% | 4,992 |
| Noninterest expense to average assets | 1.4339% | 8,028 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6849% | 664 |
| Return on assets (ROA) | 1.6849% | 733 |
| Pretax return on assets | 1.7743% | 1,030 |
| Return on Equity (ROE) | 11.9283% | 1,682 |
| Retained earnings to average equity (ytd only) | 11.9283% | 798 |
| Net charge-offs to loans | -0.0142% | 7,360 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6945% | 7,905 |
| Assets per employee ($millions) | 6.6031% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 2,019 |
| Loan loss allowance to noncurrent loans | 121.9822% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 5,511 |
| Noncurrent loans to loans | 1.4233% | 4,170 |
| Net loans and leases to total assets | 45.7137% | 7,211 |
| Net loans and leases to deposits | 53.4837% | 7,320 |
| Net loans and leases to core deposits | 66.0295% | 7,237 |
| Total domestic deposits to total assets | 85.4722% | 2,981 |
| Equity capital to assets | 14.0911% | 1,335 |
| Core capital (leverage) ratio | 14.0112% | 1,190 |
| Tier 1 risk-based capital ratio | 23.7807% | 1,108 |
| Total risk-based capital ratio | 25.0333% | 1,081 |
| Memoranda: | ||
| Average total assets | $116,326,500 | 4,743 |
| Average earning assets | $105,808,000 | 4,754 |
| Average equity | $16,431,500 | 3,856 |
| Average total loans | $56,307,000 | 5,529 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9250% | 5,924 |
| Cost of funding earning assets | 3.0769% | 1,583 |
| Net interest margin | 2.8481% | 7,258 |
| Noninterest income to average assets | 0.2132% | 6,914 |
| Noninterest expense to average assets | 1.5130% | 8,030 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2420% | 1,648 |
| Return on assets (ROA) | 1.2420% | 1,592 |
| Pretax return on assets | 1.3104% | 2,276 |
| Return on Equity (ROE) | 9.1259% | 2,599 |
| Retained earnings to average equity (ytd only) | 7.1676% | 1,097 |
| Net charge-offs to loans | -0.1371% | 8,127 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5872% | 7,318 |
| Assets per employee ($millions) | 6.3221% | 977 |
| Cash dividends to net income (ytd only)* | 21.4592% | 4,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 1,993 |
| Loan loss allowance to noncurrent loans | 112.3095% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 4,974 |
| Noncurrent loans to loans | 1.4881% | 3,568 |
| Net loans and leases to total assets | 49.5290% | 7,068 |
| Net loans and leases to deposits | 58.0487% | 7,201 |
| Net loans and leases to core deposits | 72.1114% | 7,073 |
| Total domestic deposits to total assets | 85.3231% | 2,695 |
| Equity capital to assets | 14.1611% | 1,385 |
| Core capital (leverage) ratio | 13.7427% | 1,323 |
| Tier 1 risk-based capital ratio | 23.1583% | 1,174 |
| Total risk-based capital ratio | 24.4101% | 1,147 |
| Memoranda: | ||
| Average total assets | $112,558,400 | 4,707 |
| Average earning assets | $103,156,200 | 4,709 |
| Average equity | $15,319,000 | 4,071 |
| Average total loans | $56,155,400 | 5,438 |