Home > Metuchen Savings Bank > Performance and Condition Ratios
Metuchen Savings 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 | 4.6160% | 2,481 |
| Cost of funding earning assets | 0.8213% | 2,418 |
| Net interest margin | 3.7948% | 2,546 |
| Noninterest income to average assets | 0.1396% | 4,899 |
| Noninterest expense to average assets | 3.2371% | 1,414 |
| Loan and lease loss provision to assets | 0.1206% | 1,451 |
| Net operating income to assets | 0.2507% | 4,958 |
| Return on assets (ROA) | 0.2507% | 4,966 |
| Pretax return on assets | 0.3967% | 4,840 |
| Return on Equity (ROE) | 2.1411% | 4,949 |
| Retained earnings to average equity (ytd only) | 2.1411% | 4,031 |
| Net charge-offs to loans | -0.0022% | 3,871 |
| Credit loss provision to net charge-offs | -7,600.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0076% | 1,376 |
| Assets per employee ($millions) | 6.7610% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0548% | 5,306 |
| Loan loss allowance to noncurrent loans | 21.7105% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 3,927 |
| Noncurrent loans to loans | 0.2524% | 3,660 |
| Net loans and leases to total assets | 70.2932% | 2,441 |
| Net loans and leases to deposits | 80.4429% | 2,791 |
| Net loans and leases to core deposits | 84.5218% | 2,984 |
| Total domestic deposits to total assets | 87.3827% | 1,621 |
| Equity capital to assets | 11.5196% | 2,380 |
| Core capital (leverage) ratio | 10.4849% | 3,067 |
| Tier 1 risk-based capital ratio | 16.2377% | 2,357 |
| Total risk-based capital ratio | 16.2995% | 2,788 |
| Memoranda: | ||
| Average total assets | $252,080,000 | 2,493 |
| Average earning assets | $240,120,000 | 2,452 |
| Average equity | $29,517,000 | 2,436 |
| Average total loans | $179,306,000 | 2,377 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8328% | 5,399 |
| Cost of funding earning assets | 0.1194% | 5,244 |
| Net interest margin | 0.7134% | 5,397 |
| Noninterest income to average assets | 0.0186% | 5,325 |
| Noninterest expense to average assets | 0.5440% | 5,390 |
| Loan and lease loss provision to assets | 0.0087% | 3,956 |
| Net operating income to assets | 0.1201% | 5,168 |
| Return on assets (ROA) | 0.1481% | 5,140 |
| Pretax return on assets | 0.1928% | 5,120 |
| Return on Equity (ROE) | 1.3773% | 5,122 |
| Retained earnings to average equity (ytd only) | 1.3773% | 4,579 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7257% | 2,427 |
| Assets per employee ($millions) | 6.5064% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0124% | 5,357 |
| Loan loss allowance to noncurrent loans | 4.8352% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 3,888 |
| Noncurrent loans to loans | 0.2557% | 3,666 |
| Net loans and leases to total assets | 71.9518% | 2,265 |
| Net loans and leases to deposits | 82.7727% | 2,644 |
| Net loans and leases to core deposits | 87.4185% | 2,798 |
| Total domestic deposits to total assets | 86.9270% | 1,809 |
| Equity capital to assets | 11.9066% | 1,965 |
| Core capital (leverage) ratio | 10.5898% | 2,942 |
| Tier 1 risk-based capital ratio | 16.8228% | 2,127 |
| Total risk-based capital ratio | 16.8373% | 2,505 |
| Memoranda: | ||
| Average total assets | $253,136,200 | 2,449 |
| Average earning assets | $245,308,200 | 2,375 |
| Average equity | $27,226,600 | 2,502 |
| Average total loans | $169,368,600 | 2,442 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3924% | 5,044 |
| Cost of funding earning assets | 0.4087% | 3,799 |
| Net interest margin | 2.9836% | 4,873 |
| Noninterest income to average assets | 0.2299% | 4,593 |
| Noninterest expense to average assets | 2.7566% | 2,786 |
| Loan and lease loss provision to assets | 0.0461% | 3,062 |
| Net operating income to assets | 0.2352% | 5,172 |
| Return on assets (ROA) | 0.2157% | 5,183 |
| Pretax return on assets | 0.3079% | 5,130 |
| Return on Equity (ROE) | 2.0594% | 5,126 |
| Retained earnings to average equity (ytd only) | 2.0594% | 4,564 |
| Net charge-offs to loans | -0.0008% | 4,007 |
| Credit loss provision to net charge-offs | -8,800.0000% | 4,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9238% | 408 |
| Assets per employee ($millions) | 6.8456% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 4,718 |
| Loan loss allowance to noncurrent loans | 226.7343% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 3,761 |
| Noncurrent loans to loans | 0.3379% | 3,451 |
| Net loans and leases to total assets | 70.4238% | 2,579 |
| Net loans and leases to deposits | 80.5399% | 2,978 |
| Net loans and leases to core deposits | 85.0279% | 3,081 |
| Total domestic deposits to total assets | 87.4396% | 1,526 |
| Equity capital to assets | 10.8241% | 2,824 |
| Core capital (leverage) ratio | 11.5794% | 2,110 |
| Tier 1 risk-based capital ratio | 19.2358% | 1,488 |
| Total risk-based capital ratio | 20.1317% | 1,533 |
| Memoranda: | ||
| Average total assets | $254,609,750 | 2,458 |
| Average earning assets | $247,924,000 | 2,363 |
| Average equity | $26,673,750 | 2,540 |
| Average total loans | $167,231,500 | 2,478 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3285% | 5,115 |
| Cost of funding earning assets | 0.3839% | 3,840 |
| Net interest margin | 2.9445% | 4,955 |
| Noninterest income to average assets | 0.2534% | 4,495 |
| Noninterest expense to average assets | 2.7575% | 2,816 |
| Loan and lease loss provision to assets | 0.0427% | 3,044 |
| Net operating income to assets | 0.2293% | 5,199 |
| Return on assets (ROA) | 0.2293% | 5,193 |
| Pretax return on assets | 0.3202% | 5,141 |
| Return on Equity (ROE) | 2.2119% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.2119% | 4,393 |
| Net charge-offs to loans | -0.0012% | 3,905 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3686% | 444 |
| Assets per employee ($millions) | 6.0374% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7702% | 4,783 |
| Loan loss allowance to noncurrent loans | 218.5619% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 3,830 |
| Noncurrent loans to loans | 0.3524% | 3,434 |
| Net loans and leases to total assets | 66.4060% | 3,080 |
| Net loans and leases to deposits | 75.5678% | 3,383 |
| Net loans and leases to core deposits | 79.6570% | 3,447 |
| Total domestic deposits to total assets | 87.8760% | 1,445 |
| Equity capital to assets | 10.5039% | 3,113 |
| Core capital (leverage) ratio | 11.2334% | 2,318 |
| Tier 1 risk-based capital ratio | 19.5782% | 1,409 |
| Total risk-based capital ratio | 20.4712% | 1,454 |
| Memoranda: | ||
| Average total assets | $257,332,670 | 2,446 |
| Average earning assets | $250,565,330 | 2,353 |
| Average equity | $26,673,330 | 2,552 |
| Average total loans | $164,677,670 | 2,509 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3010% | 5,139 |
| Cost of funding earning assets | 0.3789% | 3,742 |
| Net interest margin | 2.9221% | 4,992 |
| Noninterest income to average assets | 0.2222% | 4,683 |
| Noninterest expense to average assets | 2.6033% | 3,327 |
| Loan and lease loss provision to assets | 0.0355% | 3,030 |
| Net operating income to assets | 0.2963% | 5,101 |
| Return on assets (ROA) | 0.2963% | 5,102 |
| Pretax return on assets | 0.4274% | 4,990 |
| Return on Equity (ROE) | 2.8772% | 5,047 |
| Retained earnings to average equity (ytd only) | 2.8772% | 4,045 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9019% | 725 |
| Assets per employee ($millions) | 6.1667% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 4,860 |
| Loan loss allowance to noncurrent loans | 447.0175% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 4,109 |
| Noncurrent loans to loans | 0.1724% | 4,203 |
| Net loans and leases to total assets | 63.3178% | 3,393 |
| Net loans and leases to deposits | 71.8959% | 3,616 |
| Net loans and leases to core deposits | 74.9532% | 3,746 |
| Total domestic deposits to total assets | 88.0687% | 1,581 |
| Equity capital to assets | 10.2571% | 3,326 |
| Core capital (leverage) ratio | 11.1448% | 2,287 |
| Tier 1 risk-based capital ratio | 19.9854% | 1,350 |
| Total risk-based capital ratio | 20.8772% | 1,380 |
| Memoranda: | ||
| Average total assets | $259,213,000 | 2,450 |
| Average earning assets | $252,283,500 | 2,356 |
| Average equity | $26,692,500 | 2,574 |
| Average total loans | $162,169,500 | 2,548 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9978% | 5,356 |
| Cost of funding earning assets | 0.3999% | 3,257 |
| Net interest margin | 2.5979% | 5,351 |
| Noninterest income to average assets | 0.1310% | 5,288 |
| Noninterest expense to average assets | 2.5274% | 3,685 |
| Loan and lease loss provision to assets | 0.0313% | 3,649 |
| Net operating income to assets | 0.0545% | 5,302 |
| Return on assets (ROA) | 0.0657% | 5,294 |
| Pretax return on assets | 0.1119% | 5,367 |
| Return on Equity (ROE) | 0.6370% | 5,292 |
| Retained earnings to average equity (ytd only) | 0.6370% | 4,788 |
| Net charge-offs to loans | 0.0173% | 3,519 |
| Credit loss provision to net charge-offs | 315.3846% | 910 |
| Earnings coverage of net charge-offs (x) | 12.6538% | 2,452 |
| Efficiency ratio | 95.2621% | 265 |
| Assets per employee ($millions) | 6.1768% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 4,866 |
| Loan loss allowance to noncurrent loans | 125.8551% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 3,006 |
| Noncurrent loans to loans | 0.6249% | 2,658 |
| Net loans and leases to total assets | 60.8347% | 3,751 |
| Net loans and leases to deposits | 69.2109% | 3,932 |
| Net loans and leases to core deposits | 72.1451% | 4,037 |
| Total domestic deposits to total assets | 87.8975% | 1,552 |
| Equity capital to assets | 10.3378% | 3,341 |
| Core capital (leverage) ratio | 10.9862% | 2,350 |
| Tier 1 risk-based capital ratio | 20.2334% | 1,273 |
| Total risk-based capital ratio | 21.1260% | 1,313 |
| Memoranda: | ||
| Average total assets | $261,735,800 | 2,401 |
| Average earning assets | $254,088,600 | 2,324 |
| Average equity | $26,999,800 | 2,547 |
| Average total loans | $150,282,400 | 2,649 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9621% | 5,438 |
| Cost of funding earning assets | 0.4003% | 3,189 |
| Net interest margin | 2.5618% | 5,430 |
| Noninterest income to average assets | 0.1067% | 5,455 |
| Noninterest expense to average assets | 2.5160% | 3,680 |
| Loan and lease loss provision to assets | 0.0147% | 3,849 |
| Net operating income to assets | 0.0328% | 5,488 |
| Return on assets (ROA) | 0.0478% | 5,488 |
| Pretax return on assets | 0.0849% | 5,468 |
| Return on Equity (ROE) | 0.4634% | 5,484 |
| Retained earnings to average equity (ytd only) | 0.4634% | 5,115 |
| Net charge-offs to loans | -0.0018% | 4,312 |
| Credit loss provision to net charge-offs | -1,450.0000% | 5,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0588% | 228 |
| Assets per employee ($millions) | 6.2169% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 4,857 |
| Loan loss allowance to noncurrent loans | 98.5531% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,141 |
| Noncurrent loans to loans | 0.8252% | 2,304 |
| Net loans and leases to total assets | 57.2671% | 4,130 |
| Net loans and leases to deposits | 65.2075% | 4,304 |
| Net loans and leases to core deposits | 68.2804% | 4,349 |
| Total domestic deposits to total assets | 87.8228% | 1,462 |
| Equity capital to assets | 10.3274% | 3,566 |
| Core capital (leverage) ratio | 10.9704% | 2,485 |
| Tier 1 risk-based capital ratio | 21.7470% | 1,077 |
| Total risk-based capital ratio | 22.6898% | 1,103 |
| Memoranda: | ||
| Average total assets | $262,313,250 | 2,410 |
| Average earning assets | $254,498,000 | 2,338 |
| Average equity | $27,045,000 | 2,561 |
| Average total loans | $148,085,000 | 2,688 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9275% | 5,487 |
| Cost of funding earning assets | 0.3986% | 3,089 |
| Net interest margin | 2.5289% | 5,488 |
| Noninterest income to average assets | 0.2033% | 5,032 |
| Noninterest expense to average assets | 2.5016% | 3,744 |
| Loan and lease loss provision to assets | 0.0137% | 3,679 |
| Net operating income to assets | 0.0808% | 5,509 |
| Return on assets (ROA) | 0.0959% | 5,499 |
| Pretax return on assets | 0.1606% | 5,459 |
| Return on Equity (ROE) | 0.9309% | 5,481 |
| Retained earnings to average equity (ytd only) | 0.9309% | 4,859 |
| Net charge-offs to loans | -0.0014% | 4,155 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3169% | 302 |
| Assets per employee ($millions) | 6.5355% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 4,907 |
| Loan loss allowance to noncurrent loans | 115.0711% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 2,424 |
| Noncurrent loans to loans | 0.7093% | 2,629 |
| Net loans and leases to total assets | 56.4331% | 4,178 |
| Net loans and leases to deposits | 64.3059% | 4,352 |
| Net loans and leases to core deposits | 67.3140% | 4,395 |
| Total domestic deposits to total assets | 87.7573% | 1,587 |
| Equity capital to assets | 10.3087% | 3,559 |
| Core capital (leverage) ratio | 10.8290% | 2,573 |
| Tier 1 risk-based capital ratio | 21.9913% | 1,054 |
| Total risk-based capital ratio | 22.9342% | 1,067 |
| Memoranda: | ||
| Average total assets | $262,714,330 | 2,421 |
| Average earning assets | $254,416,670 | 2,342 |
| Average equity | $27,071,330 | 2,559 |
| Average total loans | $147,194,670 | 2,702 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9084% | 5,532 |
| Cost of funding earning assets | 0.3924% | 3,078 |
| Net interest margin | 2.5160% | 5,536 |
| Noninterest income to average assets | 0.1367% | 5,426 |
| Noninterest expense to average assets | 2.4848% | 3,856 |
| Loan and lease loss provision to assets | 0.0137% | 3,389 |
| Net operating income to assets | 0.0365% | 5,585 |
| Return on assets (ROA) | 0.0365% | 5,590 |
| Pretax return on assets | 0.0729% | 5,551 |
| Return on Equity (ROE) | 0.3538% | 5,582 |
| Retained earnings to average equity (ytd only) | 0.3538% | 4,835 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6332% | 299 |
| Assets per employee ($millions) | 6.4458% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 5,032 |
| Loan loss allowance to noncurrent loans | 146.8293% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 2,785 |
| Noncurrent loans to loans | 0.5537% | 3,150 |
| Net loans and leases to total assets | 55.5839% | 4,202 |
| Net loans and leases to deposits | 63.3499% | 4,342 |
| Net loans and leases to core deposits | 66.3482% | 4,407 |
| Total domestic deposits to total assets | 87.7412% | 1,872 |
| Equity capital to assets | 10.2673% | 3,450 |
| Core capital (leverage) ratio | 10.7777% | 2,619 |
| Tier 1 risk-based capital ratio | 21.9786% | 1,088 |
| Total risk-based capital ratio | 22.9167% | 1,101 |
| Memoranda: | ||
| Average total assets | $263,361,000 | 2,438 |
| Average earning assets | $254,850,500 | 2,357 |
| Average equity | $27,132,500 | 2,568 |
| Average total loans | $146,421,000 | 2,740 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7845% | 5,653 |
| Cost of funding earning assets | 0.4411% | 2,603 |
| Net interest margin | 2.3434% | 5,688 |
| Noninterest income to average assets | 0.1932% | 5,248 |
| Noninterest expense to average assets | 2.3565% | 4,404 |
| Loan and lease loss provision to assets | 0.0146% | 4,086 |
| Net operating income to assets | 0.0544% | 5,609 |
| Return on assets (ROA) | 0.0609% | 5,627 |
| Pretax return on assets | 0.1031% | 5,591 |
| Return on Equity (ROE) | 0.5974% | 5,619 |
| Retained earnings to average equity (ytd only) | 0.5974% | 5,091 |
| Net charge-offs to loans | -0.0014% | 4,676 |
| Credit loss provision to net charge-offs | -1,950.0000% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6331% | 323 |
| Assets per employee ($millions) | 6.4011% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 5,034 |
| Loan loss allowance to noncurrent loans | 116.8133% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 2,625 |
| Noncurrent loans to loans | 0.7068% | 2,767 |
| Net loans and leases to total assets | 54.6962% | 4,371 |
| Net loans and leases to deposits | 62.4673% | 4,512 |
| Net loans and leases to core deposits | 65.5016% | 4,555 |
| Total domestic deposits to total assets | 87.5597% | 1,844 |
| Equity capital to assets | 10.3377% | 3,342 |
| Core capital (leverage) ratio | 10.7673% | 2,568 |
| Tier 1 risk-based capital ratio | 22.4484% | 1,023 |
| Total risk-based capital ratio | 23.4002% | 1,032 |
| Memoranda: | ||
| Average total assets | $267,647,200 | 2,378 |
| Average earning assets | $259,361,600 | 2,287 |
| Average equity | $27,282,800 | 2,549 |
| Average total loans | $143,518,800 | 2,736 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7561% | 5,734 |
| Cost of funding earning assets | 0.4485% | 2,568 |
| Net interest margin | 2.3076% | 5,770 |
| Noninterest income to average assets | 0.2062% | 5,235 |
| Noninterest expense to average assets | 2.3573% | 4,394 |
| Loan and lease loss provision to assets | 0.0178% | 3,890 |
| Net operating income to assets | 0.0351% | 5,691 |
| Return on assets (ROA) | 0.0436% | 5,715 |
| Pretax return on assets | 0.0813% | 5,694 |
| Return on Equity (ROE) | 0.4295% | 5,710 |
| Retained earnings to average equity (ytd only) | 0.4295% | 5,245 |
| Net charge-offs to loans | -0.0019% | 4,483 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4894% | 301 |
| Assets per employee ($millions) | 6.4242% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 5,132 |
| Loan loss allowance to noncurrent loans | 144.3099% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 3,049 |
| Noncurrent loans to loans | 0.5680% | 3,298 |
| Net loans and leases to total assets | 54.7623% | 4,425 |
| Net loans and leases to deposits | 62.8568% | 4,570 |
| Net loans and leases to core deposits | 66.0754% | 4,600 |
| Total domestic deposits to total assets | 87.1223% | 1,840 |
| Equity capital to assets | 10.4357% | 3,623 |
| Core capital (leverage) ratio | 10.7065% | 2,783 |
| Tier 1 risk-based capital ratio | 22.0704% | 1,128 |
| Total risk-based capital ratio | 23.0063% | 1,147 |
| Memoranda: | ||
| Average total assets | $268,947,500 | 2,382 |
| Average earning assets | $260,699,750 | 2,288 |
| Average equity | $27,320,750 | 2,567 |
| Average total loans | $143,212,750 | 2,733 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7524% | 5,824 |
| Cost of funding earning assets | 0.4543% | 2,532 |
| Net interest margin | 2.2981% | 5,861 |
| Noninterest income to average assets | 0.2533% | 4,956 |
| Noninterest expense to average assets | 2.3678% | 4,432 |
| Loan and lease loss provision to assets | 0.0111% | 3,877 |
| Net operating income to assets | 0.0589% | 5,713 |
| Return on assets (ROA) | 0.0716% | 5,738 |
| Pretax return on assets | 0.1211% | 5,701 |
| Return on Equity (ROE) | 0.7115% | 5,726 |
| Retained earnings to average equity (ytd only) | 0.7115% | 5,090 |
| Net charge-offs to loans | -0.0014% | 4,340 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4735% | 364 |
| Assets per employee ($millions) | 6.5044% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 5,241 |
| Loan loss allowance to noncurrent loans | 144.4444% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 3,199 |
| Noncurrent loans to loans | 0.5636% | 3,374 |
| Net loans and leases to total assets | 53.4519% | 4,559 |
| Net loans and leases to deposits | 61.3495% | 4,705 |
| Net loans and leases to core deposits | 64.4772% | 4,712 |
| Total domestic deposits to total assets | 87.1268% | 1,852 |
| Equity capital to assets | 10.3533% | 3,791 |
| Core capital (leverage) ratio | 10.4695% | 3,005 |
| Tier 1 risk-based capital ratio | 22.2043% | 1,114 |
| Total risk-based capital ratio | 23.1299% | 1,134 |
| Memoranda: | ||
| Average total assets | $270,799,000 | 2,378 |
| Average earning assets | $262,393,330 | 2,280 |
| Average equity | $27,265,330 | 2,577 |
| Average total loans | $142,473,000 | 2,744 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7713% | 5,869 |
| Cost of funding earning assets | 0.4523% | 2,554 |
| Net interest margin | 2.3190% | 5,921 |
| Noninterest income to average assets | 0.1290% | 5,699 |
| Noninterest expense to average assets | 2.3030% | 4,656 |
| Loan and lease loss provision to assets | 0.0088% | 3,573 |
| Net operating income to assets | 0.0323% | 5,764 |
| Return on assets (ROA) | 0.0323% | 5,794 |
| Pretax return on assets | 0.0645% | 5,772 |
| Return on Equity (ROE) | 0.3248% | 5,789 |
| Retained earnings to average equity (ytd only) | 0.3248% | 5,038 |
| Net charge-offs to loans | -0.0028% | 4,169 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9155% | 376 |
| Assets per employee ($millions) | 6.8012% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8053% | 5,339 |
| Loan loss allowance to noncurrent loans | 139.3382% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 3,265 |
| Noncurrent loans to loans | 0.5779% | 3,461 |
| Net loans and leases to total assets | 51.4836% | 4,679 |
| Net loans and leases to deposits | 58.8859% | 4,790 |
| Net loans and leases to core deposits | 61.9817% | 4,821 |
| Total domestic deposits to total assets | 87.4294% | 1,973 |
| Equity capital to assets | 10.0997% | 3,950 |
| Core capital (leverage) ratio | 10.2548% | 3,256 |
| Tier 1 risk-based capital ratio | 22.1717% | 1,137 |
| Total risk-based capital ratio | 23.0724% | 1,168 |
| Memoranda: | ||
| Average total assets | $272,859,000 | 2,364 |
| Average earning assets | $264,425,500 | 2,272 |
| Average equity | $27,093,000 | 2,593 |
| Average total loans | $141,852,000 | 2,750 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8136% | 5,868 |
| Cost of funding earning assets | 0.4593% | 2,541 |
| Net interest margin | 2.3543% | 5,919 |
| Noninterest income to average assets | 0.2396% | 5,166 |
| Noninterest expense to average assets | 2.4770% | 4,299 |
| Loan and lease loss provision to assets | 0.0038% | 4,320 |
| Net operating income to assets | 0.0178% | 5,854 |
| Return on assets (ROA) | 0.0188% | 5,877 |
| Pretax return on assets | 0.0345% | 5,866 |
| Return on Equity (ROE) | 0.1863% | 5,874 |
| Retained earnings to average equity (ytd only) | 0.1863% | 5,432 |
| Net charge-offs to loans | 0.0007% | 4,454 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 583 |
| Efficiency ratio | 98.5380% | 320 |
| Assets per employee ($millions) | 6.8418% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 5,430 |
| Loan loss allowance to noncurrent loans | 95.1178% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 2,866 |
| Noncurrent loans to loans | 0.8336% | 2,704 |
| Net loans and leases to total assets | 51.6597% | 4,724 |
| Net loans and leases to deposits | 59.0160% | 4,844 |
| Net loans and leases to core deposits | 60.3915% | 4,954 |
| Total domestic deposits to total assets | 87.5350% | 1,872 |
| Equity capital to assets | 9.7599% | 4,231 |
| Core capital (leverage) ratio | 10.2113% | 3,252 |
| Tier 1 risk-based capital ratio | 22.0688% | 1,133 |
| Total risk-based capital ratio | 22.9600% | 1,166 |
| Memoranda: | ||
| Average total assets | $266,656,000 | 2,371 |
| Average earning assets | $257,570,400 | 2,283 |
| Average equity | $26,844,000 | 2,562 |
| Average total loans | $144,225,800 | 2,681 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8831% | 5,907 |
| Cost of funding earning assets | 0.4600% | 2,585 |
| Net interest margin | 2.4231% | 5,965 |
| Noninterest income to average assets | 0.2230% | 5,320 |
| Noninterest expense to average assets | 2.5292% | 4,106 |
| Loan and lease loss provision to assets | 0.0181% | 3,918 |
| Net operating income to assets | 0.0073% | 5,930 |
| Return on assets (ROA) | 0.0086% | 5,963 |
| Pretax return on assets | 0.0161% | 5,957 |
| Return on Equity (ROE) | 0.0843% | 5,963 |
| Retained earnings to average equity (ytd only) | 0.0843% | 5,573 |
| Net charge-offs to loans | 0.0470% | 2,954 |
| Credit loss provision to net charge-offs | 70.5882% | 2,754 |
| Earnings coverage of net charge-offs (x) | 1.2549% | 3,861 |
| Efficiency ratio | 98.7424% | 329 |
| Assets per employee ($millions) | 6.5305% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 5,560 |
| Loan loss allowance to noncurrent loans | 132.2967% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 3,424 |
| Noncurrent loans to loans | 0.5922% | 3,549 |
| Net loans and leases to total assets | 51.0663% | 4,849 |
| Net loans and leases to deposits | 58.4752% | 4,955 |
| Net loans and leases to core deposits | 59.9163% | 5,069 |
| Total domestic deposits to total assets | 87.3297% | 1,882 |
| Equity capital to assets | 9.9523% | 4,218 |
| Core capital (leverage) ratio | 10.5902% | 2,936 |
| Tier 1 risk-based capital ratio | 22.6753% | 1,101 |
| Total risk-based capital ratio | 23.5727% | 1,130 |
| Memoranda: | ||
| Average total assets | $264,902,500 | 2,405 |
| Average earning assets | $255,642,500 | 2,312 |
| Average equity | $26,877,500 | 2,572 |
| Average total loans | $144,655,500 | 2,684 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9456% | 5,900 |
| Cost of funding earning assets | 0.4648% | 2,564 |
| Net interest margin | 2.4808% | 5,982 |
| Noninterest income to average assets | 0.2368% | 5,262 |
| Noninterest expense to average assets | 2.6244% | 3,836 |
| Loan and lease loss provision to assets | 0.0206% | 3,723 |
| Net operating income to assets | -0.0081% | 6,000 |
| Return on assets (ROA) | -0.0061% | 6,032 |
| Pretax return on assets | -0.0153% | 6,028 |
| Return on Equity (ROE) | -0.0598% | 6,033 |
| Retained earnings to average equity (ytd only) | -0.0598% | 5,521 |
| Net charge-offs to loans | 0.0700% | 2,394 |
| Credit loss provision to net charge-offs | 52.9412% | 2,673 |
| Earnings coverage of net charge-offs (x) | 0.0588% | 3,707 |
| Efficiency ratio | 99.9127% | 323 |
| Assets per employee ($millions) | 6.1638% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 5,705 |
| Loan loss allowance to noncurrent loans | 158.9855% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 3,524 |
| Noncurrent loans to loans | 0.4745% | 4,052 |
| Net loans and leases to total assets | 55.7494% | 4,367 |
| Net loans and leases to deposits | 64.3931% | 4,499 |
| Net loans and leases to core deposits | 66.1346% | 4,640 |
| Total domestic deposits to total assets | 86.5767% | 2,388 |
| Equity capital to assets | 10.3072% | 3,683 |
| Core capital (leverage) ratio | 10.7280% | 2,701 |
| Tier 1 risk-based capital ratio | 22.9667% | 1,091 |
| Total risk-based capital ratio | 23.8691% | 1,106 |
| Memoranda: | ||
| Average total assets | $261,777,000 | 2,442 |
| Average earning assets | $252,172,670 | 2,356 |
| Average equity | $26,737,670 | 2,587 |
| Average total loans | $145,817,330 | 2,672 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9199% | 5,978 |
| Cost of funding earning assets | 0.4609% | 2,673 |
| Net interest margin | 2.4590% | 6,059 |
| Noninterest income to average assets | 0.1884% | 5,582 |
| Noninterest expense to average assets | 2.5453% | 4,116 |
| Loan and lease loss provision to assets | 0.0046% | 3,650 |
| Net operating income to assets | -0.0009% | 6,021 |
| Return on assets (ROA) | 0.0030% | 6,052 |
| Pretax return on assets | 0.0122% | 6,038 |
| Return on Equity (ROE) | 0.0299% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.0299% | 5,361 |
| Net charge-offs to loans | -0.0110% | 4,761 |
| Credit loss provision to net charge-offs | -75.0000% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5838% | 374 |
| Assets per employee ($millions) | 6.2942% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 5,756 |
| Loan loss allowance to noncurrent loans | 142.0655% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 3,520 |
| Noncurrent loans to loans | 0.5426% | 3,961 |
| Net loans and leases to total assets | 54.9232% | 4,327 |
| Net loans and leases to deposits | 63.2888% | 4,457 |
| Net loans and leases to core deposits | 64.6626% | 4,640 |
| Total domestic deposits to total assets | 86.7819% | 2,508 |
| Equity capital to assets | 10.2123% | 3,870 |
| Core capital (leverage) ratio | 10.7077% | 2,743 |
| Tier 1 risk-based capital ratio | 22.8840% | 1,123 |
| Total risk-based capital ratio | 23.8082% | 1,149 |
| Memoranda: | ||
| Average total assets | $263,226,500 | 2,442 |
| Average earning assets | $253,433,000 | 2,361 |
| Average equity | $26,765,000 | 2,606 |
| Average total loans | $146,016,000 | 2,676 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0338% | 6,024 |
| Cost of funding earning assets | 0.4866% | 2,815 |
| Net interest margin | 2.5472% | 6,115 |
| Noninterest income to average assets | 0.1960% | 5,682 |
| Noninterest expense to average assets | 2.9676% | 2,939 |
| Loan and lease loss provision to assets | 0.0514% | 3,533 |
| Net operating income to assets | -0.2432% | 6,219 |
| Return on assets (ROA) | -0.0830% | 6,151 |
| Pretax return on assets | -0.1366% | 6,159 |
| Return on Equity (ROE) | -0.8371% | 6,160 |
| Retained earnings to average equity (ytd only) | -0.8371% | 5,900 |
| Net charge-offs to loans | 0.1139% | 2,890 |
| Credit loss provision to net charge-offs | 88.8158% | 2,667 |
| Earnings coverage of net charge-offs (x) | -5.8026% | 4,894 |
| Efficiency ratio | 112.7512% | 184 |
| Assets per employee ($millions) | 6.3926% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 5,846 |
| Loan loss allowance to noncurrent loans | 118.3738% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 3,403 |
| Noncurrent loans to loans | 0.6499% | 3,737 |
| Net loans and leases to total assets | 55.1666% | 4,428 |
| Net loans and leases to deposits | 63.5721% | 4,573 |
| Net loans and leases to core deposits | 64.8844% | 4,765 |
| Total domestic deposits to total assets | 86.7781% | 2,401 |
| Equity capital to assets | 10.1234% | 3,953 |
| Core capital (leverage) ratio | 10.7312% | 2,690 |
| Tier 1 risk-based capital ratio | 22.1465% | 1,202 |
| Total risk-based capital ratio | 23.0344% | 1,234 |
| Memoranda: | ||
| Average total assets | $262,808,000 | 2,405 |
| Average earning assets | $251,336,000 | 2,337 |
| Average equity | $26,043,400 | 2,563 |
| Average total loans | $133,435,200 | 2,797 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0388% | 6,096 |
| Cost of funding earning assets | 0.4893% | 2,871 |
| Net interest margin | 2.5495% | 6,185 |
| Noninterest income to average assets | 0.1790% | 5,844 |
| Noninterest expense to average assets | 2.6049% | 4,187 |
| Loan and lease loss provision to assets | 0.0340% | 3,724 |
| Net operating income to assets | -0.0305% | 6,166 |
| Return on assets (ROA) | 0.1749% | 5,934 |
| Pretax return on assets | 0.2966% | 5,783 |
| Return on Equity (ROE) | 1.7746% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.7746% | 5,167 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6316% | 380 |
| Assets per employee ($millions) | 6.3215% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 5,664 |
| Loan loss allowance to noncurrent loans | 152.5316% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 3,830 |
| Noncurrent loans to loans | 0.5761% | 4,190 |
| Net loans and leases to total assets | 52.4394% | 4,756 |
| Net loans and leases to deposits | 60.3972% | 4,905 |
| Net loans and leases to core deposits | 61.8225% | 5,042 |
| Total domestic deposits to total assets | 86.8243% | 2,407 |
| Equity capital to assets | 10.1524% | 3,989 |
| Core capital (leverage) ratio | 11.0240% | 2,462 |
| Tier 1 risk-based capital ratio | 23.7562% | 1,020 |
| Total risk-based capital ratio | 24.7597% | 1,031 |
| Memoranda: | ||
| Average total assets | $262,986,250 | 2,423 |
| Average earning assets | $251,230,000 | 2,349 |
| Average equity | $25,921,000 | 2,586 |
| Average total loans | $130,366,500 | 2,871 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0129% | 6,159 |
| Cost of funding earning assets | 0.4901% | 2,924 |
| Net interest margin | 2.5228% | 6,249 |
| Noninterest income to average assets | 0.1688% | 5,946 |
| Noninterest expense to average assets | 2.5778% | 4,321 |
| Loan and lease loss provision to assets | 0.0189% | 3,889 |
| Net operating income to assets | -0.0298% | 6,206 |
| Return on assets (ROA) | 0.2293% | 5,824 |
| Pretax return on assets | 0.3845% | 5,604 |
| Return on Equity (ROE) | 2.3497% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.3497% | 4,710 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0588% | 399 |
| Assets per employee ($millions) | 6.3382% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 5,843 |
| Loan loss allowance to noncurrent loans | 100.0861% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 2,957 |
| Noncurrent loans to loans | 0.8602% | 3,549 |
| Net loans and leases to total assets | 50.3092% | 4,924 |
| Net loans and leases to deposits | 57.9970% | 5,042 |
| Net loans and leases to core deposits | 59.2615% | 5,184 |
| Total domestic deposits to total assets | 86.7444% | 2,606 |
| Equity capital to assets | 9.9458% | 4,182 |
| Core capital (leverage) ratio | 10.5980% | 2,826 |
| Tier 1 risk-based capital ratio | 23.2326% | 1,077 |
| Total risk-based capital ratio | 24.2032% | 1,102 |
| Memoranda: | ||
| Average total assets | $264,254,670 | 2,418 |
| Average earning assets | $252,180,670 | 2,338 |
| Average equity | $25,790,330 | 2,585 |
| Average total loans | $128,116,000 | 2,899 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0469% | 6,188 |
| Cost of funding earning assets | 0.4974% | 2,932 |
| Net interest margin | 2.5494% | 6,288 |
| Noninterest income to average assets | 0.1261% | 6,216 |
| Noninterest expense to average assets | 2.6542% | 4,100 |
| Loan and lease loss provision to assets | -0.0046% | 6,379 |
| Net operating income to assets | -0.0937% | 6,281 |
| Return on assets (ROA) | 0.4041% | 5,163 |
| Pretax return on assets | 0.6837% | 4,543 |
| Return on Equity (ROE) | 4.1812% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.1812% | 3,621 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8644% | 377 |
| Assets per employee ($millions) | 6.3200% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 5,865 |
| Loan loss allowance to noncurrent loans | 135.1190% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 3,379 |
| Noncurrent loans to loans | 0.6665% | 4,196 |
| Net loans and leases to total assets | 47.0511% | 5,227 |
| Net loans and leases to deposits | 54.0426% | 5,284 |
| Net loans and leases to core deposits | 55.2179% | 5,421 |
| Total domestic deposits to total assets | 87.0630% | 2,767 |
| Equity capital to assets | 9.7023% | 4,223 |
| Core capital (leverage) ratio | 10.9616% | 2,424 |
| Tier 1 risk-based capital ratio | 25.0279% | 885 |
| Total risk-based capital ratio | 26.0266% | 895 |
| Memoranda: | ||
| Average total assets | $263,280,000 | 2,434 |
| Average earning assets | $250,879,500 | 2,351 |
| Average equity | $25,447,500 | 2,602 |
| Average total loans | $124,630,000 | 2,978 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2135% | 6,121 |
| Cost of funding earning assets | 0.5578% | 3,043 |
| Net interest margin | 2.6557% | 6,198 |
| Noninterest income to average assets | 0.2612% | 5,477 |
| Noninterest expense to average assets | 2.6988% | 4,095 |
| Loan and lease loss provision to assets | -0.0015% | 6,246 |
| Net operating income to assets | 0.0478% | 6,136 |
| Return on assets (ROA) | 0.2072% | 5,872 |
| Pretax return on assets | 0.3469% | 5,610 |
| Return on Equity (ROE) | 2.0313% | 5,829 |
| Retained earnings to average equity (ytd only) | 2.0313% | 4,795 |
| Net charge-offs to loans | 0.0421% | 4,630 |
| Credit loss provision to net charge-offs | -7.6923% | 5,677 |
| Earnings coverage of net charge-offs (x) | 4.9038% | 3,427 |
| Efficiency ratio | 96.5564% | 613 |
| Assets per employee ($millions) | 6.2171% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 5,847 |
| Loan loss allowance to noncurrent loans | 175.0769% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 3,688 |
| Noncurrent loans to loans | 0.5275% | 4,672 |
| Net loans and leases to total assets | 46.7580% | 5,416 |
| Net loans and leases to deposits | 53.7286% | 5,489 |
| Net loans and leases to core deposits | 54.8537% | 5,622 |
| Total domestic deposits to total assets | 87.0262% | 2,710 |
| Equity capital to assets | 9.6282% | 4,246 |
| Core capital (leverage) ratio | 10.8469% | 2,530 |
| Tier 1 risk-based capital ratio | 25.3167% | 828 |
| Total risk-based capital ratio | 26.3390% | 833 |
| Memoranda: | ||
| Average total assets | $264,928,000 | 2,393 |
| Average earning assets | $252,774,400 | 2,308 |
| Average equity | $27,027,200 | 2,454 |
| Average total loans | $123,558,600 | 2,970 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2085% | 6,185 |
| Cost of funding earning assets | 0.5724% | 3,069 |
| Net interest margin | 2.6361% | 6,267 |
| Noninterest income to average assets | 0.3189% | 5,141 |
| Noninterest expense to average assets | 2.7230% | 3,930 |
| Loan and lease loss provision to assets | -0.0015% | 6,443 |
| Net operating income to assets | 0.0540% | 6,215 |
| Return on assets (ROA) | 0.2658% | 5,835 |
| Pretax return on assets | 0.4458% | 5,508 |
| Return on Equity (ROE) | 2.5698% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.5698% | 4,785 |
| Net charge-offs to loans | 0.0561% | 4,107 |
| Credit loss provision to net charge-offs | -5.7692% | 5,590 |
| Earnings coverage of net charge-offs (x) | 4.3463% | 3,463 |
| Efficiency ratio | 96.0042% | 622 |
| Assets per employee ($millions) | 6.0688% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 5,969 |
| Loan loss allowance to noncurrent loans | 461.1336% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.8446% | 4,006 |
| Noncurrent loans to loans | 0.2022% | 5,733 |
| Net loans and leases to total assets | 46.3757% | 5,506 |
| Net loans and leases to deposits | 51.8555% | 5,718 |
| Net loans and leases to core deposits | 53.0500% | 5,828 |
| Total domestic deposits to total assets | 89.4325% | 1,338 |
| Equity capital to assets | 9.8460% | 4,110 |
| Core capital (leverage) ratio | 10.8238% | 2,644 |
| Tier 1 risk-based capital ratio | 25.4468% | 840 |
| Total risk-based capital ratio | 26.4761% | 841 |
| Memoranda: | ||
| Average total assets | $265,880,250 | 2,397 |
| Average earning assets | $253,904,750 | 2,303 |
| Average equity | $27,498,750 | 2,439 |
| Average total loans | $123,640,250 | 2,983 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2202% | 6,204 |
| Cost of funding earning assets | 0.5961% | 2,974 |
| Net interest margin | 2.6241% | 6,305 |
| Noninterest income to average assets | 0.3289% | 5,066 |
| Noninterest expense to average assets | 2.7198% | 3,962 |
| Loan and lease loss provision to assets | -0.0045% | 6,569 |
| Net operating income to assets | 0.0555% | 6,230 |
| Return on assets (ROA) | 0.3402% | 5,615 |
| Pretax return on assets | 0.5697% | 5,132 |
| Return on Equity (ROE) | 3.2384% | 5,531 |
| Retained earnings to average equity (ytd only) | 3.2384% | 4,249 |
| Net charge-offs to loans | 0.0838% | 3,531 |
| Credit loss provision to net charge-offs | -11.5385% | 5,456 |
| Earnings coverage of net charge-offs (x) | 3.0962% | 3,498 |
| Efficiency ratio | 95.7620% | 668 |
| Assets per employee ($millions) | 6.0240% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 6,056 |
| Loan loss allowance to noncurrent loans | 1,577.7778% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 4,420 |
| Noncurrent loans to loans | 0.0588% | 6,211 |
| Net loans and leases to total assets | 45.7347% | 5,562 |
| Net loans and leases to deposits | 51.3476% | 5,742 |
| Net loans and leases to core deposits | 52.6178% | 5,841 |
| Total domestic deposits to total assets | 89.0687% | 1,591 |
| Equity capital to assets | 9.9232% | 4,013 |
| Core capital (leverage) ratio | 10.5513% | 2,816 |
| Tier 1 risk-based capital ratio | 25.5070% | 819 |
| Total risk-based capital ratio | 26.5387% | 823 |
| Memoranda: | ||
| Average total assets | $267,520,330 | 2,395 |
| Average earning assets | $256,008,000 | 2,296 |
| Average equity | $28,100,330 | 2,416 |
| Average total loans | $124,133,330 | 2,988 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1932% | 6,304 |
| Cost of funding earning assets | 0.6064% | 3,049 |
| Net interest margin | 2.5868% | 6,396 |
| Noninterest income to average assets | 0.2724% | 5,503 |
| Noninterest expense to average assets | 2.7445% | 3,904 |
| Loan and lease loss provision to assets | -0.0060% | 6,730 |
| Net operating income to assets | -0.0248% | 6,374 |
| Return on assets (ROA) | 0.5343% | 4,665 |
| Pretax return on assets | 0.8900% | 3,797 |
| Return on Equity (ROE) | 4.9518% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.9518% | 3,265 |
| Net charge-offs to loans | 0.1664% | 2,404 |
| Credit loss provision to net charge-offs | -7.6923% | 4,957 |
| Earnings coverage of net charge-offs (x) | 0.1346% | 3,771 |
| Efficiency ratio | 99.6218% | 559 |
| Assets per employee ($millions) | 6.1682% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 6,232 |
| Loan loss allowance to noncurrent loans | 387.0748% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 4,552 |
| Noncurrent loans to loans | 0.2357% | 5,825 |
| Net loans and leases to total assets | 45.5343% | 5,483 |
| Net loans and leases to deposits | 51.9163% | 5,628 |
| Net loans and leases to core deposits | 53.2468% | 5,727 |
| Total domestic deposits to total assets | 87.7072% | 2,512 |
| Equity capital to assets | 10.5758% | 3,456 |
| Core capital (leverage) ratio | 10.5618% | 2,695 |
| Tier 1 risk-based capital ratio | 25.6103% | 828 |
| Total risk-based capital ratio | 26.6517% | 834 |
| Memoranda: | ||
| Average total assets | $268,753,000 | 2,403 |
| Average earning assets | $257,925,000 | 2,304 |
| Average equity | $28,999,500 | 2,378 |
| Average total loans | $125,021,000 | 2,988 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 6,233 |
| Cost of funding earning assets | 0.6955% | 3,526 |
| Net interest margin | 2.8996% | 6,225 |
| Noninterest income to average assets | 0.3657% | 4,862 |
| Noninterest expense to average assets | 2.6989% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2664% | 5,586 |
| Return on assets (ROA) | 0.2806% | 5,750 |
| Pretax return on assets | 0.4711% | 5,367 |
| Return on Equity (ROE) | 2.6303% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.6303% | 4,384 |
| Net charge-offs to loans | 0.0785% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 11.6214% | 2,009 |
| Efficiency ratio | 85.7364% | 1,456 |
| Assets per employee ($millions) | 6.4903% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 6,121 |
| Loan loss allowance to noncurrent loans | 404.7458% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 4,721 |
| Noncurrent loans to loans | 0.2354% | 5,890 |
| Net loans and leases to total assets | 46.6468% | 5,555 |
| Net loans and leases to deposits | 53.7711% | 5,673 |
| Net loans and leases to core deposits | 55.1812% | 5,779 |
| Total domestic deposits to total assets | 86.7507% | 2,962 |
| Equity capital to assets | 11.0092% | 2,940 |
| Core capital (leverage) ratio | 10.4856% | 2,782 |
| Tier 1 risk-based capital ratio | 25.7272% | 790 |
| Total risk-based capital ratio | 26.8389% | 792 |
| Memoranda: | ||
| Average total assets | $266,592,800 | 2,378 |
| Average earning assets | $255,797,800 | 2,269 |
| Average equity | $28,437,600 | 2,355 |
| Average total loans | $131,187,600 | 2,864 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 6,357 |
| Cost of funding earning assets | 0.7049% | 3,717 |
| Net interest margin | 2.9206% | 6,319 |
| Noninterest income to average assets | 0.3524% | 4,999 |
| Noninterest expense to average assets | 2.6694% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2881% | 5,653 |
| Return on assets (ROA) | 0.3069% | 5,795 |
| Pretax return on assets | 0.5149% | 5,418 |
| Return on Equity (ROE) | 2.9006% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.9006% | 4,816 |
| Net charge-offs to loans | 0.0292% | 5,253 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 33.4789% | 1,003 |
| Efficiency ratio | 84.6142% | 1,518 |
| Assets per employee ($millions) | 6.7111% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 6,161 |
| Loan loss allowance to noncurrent loans | 473.1343% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 4,811 |
| Noncurrent loans to loans | 0.2068% | 6,092 |
| Net loans and leases to total assets | 47.7962% | 5,573 |
| Net loans and leases to deposits | 55.1285% | 5,709 |
| Net loans and leases to core deposits | 56.6580% | 5,841 |
| Total domestic deposits to total assets | 86.6996% | 2,854 |
| Equity capital to assets | 11.0172% | 3,253 |
| Core capital (leverage) ratio | 10.4266% | 3,004 |
| Tier 1 risk-based capital ratio | 24.9478% | 911 |
| Total risk-based capital ratio | 26.0982% | 918 |
| Memoranda: | ||
| Average total assets | $266,715,000 | 2,401 |
| Average earning assets | $255,920,750 | 2,293 |
| Average equity | $28,223,000 | 2,395 |
| Average total loans | $132,653,750 | 2,864 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 6,345 |
| Cost of funding earning assets | 0.7237% | 3,817 |
| Net interest margin | 2.9722% | 6,290 |
| Noninterest income to average assets | 0.3156% | 5,298 |
| Noninterest expense to average assets | 2.6971% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2797% | 5,673 |
| Return on assets (ROA) | 0.3081% | 5,793 |
| Pretax return on assets | 0.5148% | 5,400 |
| Return on Equity (ROE) | 2.9526% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.9526% | 4,669 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1483% | 1,517 |
| Assets per employee ($millions) | 6.4630% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 6,200 |
| Loan loss allowance to noncurrent loans | 220.5782% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 4,808 |
| Noncurrent loans to loans | 0.4486% | 5,640 |
| Net loans and leases to total assets | 48.9801% | 5,486 |
| Net loans and leases to deposits | 56.1545% | 5,632 |
| Net loans and leases to core deposits | 57.7168% | 5,797 |
| Total domestic deposits to total assets | 87.2238% | 2,634 |
| Equity capital to assets | 10.6987% | 3,458 |
| Core capital (leverage) ratio | 10.3346% | 3,006 |
| Tier 1 risk-based capital ratio | 25.1074% | 892 |
| Total risk-based capital ratio | 26.3004% | 882 |
| Memoranda: | ||
| Average total assets | $266,138,670 | 2,404 |
| Average earning assets | $255,362,670 | 2,301 |
| Average equity | $27,772,330 | 2,413 |
| Average total loans | $133,680,330 | 2,860 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 6,256 |
| Cost of funding earning assets | 0.7495% | 3,864 |
| Net interest margin | 3.0449% | 6,200 |
| Noninterest income to average assets | 0.2610% | 5,783 |
| Noninterest expense to average assets | 2.6305% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3284% | 5,557 |
| Return on assets (ROA) | 0.3284% | 5,727 |
| Pretax return on assets | 0.5549% | 5,259 |
| Return on Equity (ROE) | 3.1874% | 5,634 |
| Retained earnings to average equity (ytd only) | 3.1874% | 4,654 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5800% | 1,865 |
| Assets per employee ($millions) | 5.6465% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,340 |
| Loan loss allowance to noncurrent loans | 143.7916% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 4,963 |
| Noncurrent loans to loans | 0.6773% | 5,302 |
| Net loans and leases to total assets | 49.6920% | 5,347 |
| Net loans and leases to deposits | 57.3939% | 5,453 |
| Net loans and leases to core deposits | 58.9051% | 5,634 |
| Total domestic deposits to total assets | 86.5806% | 3,187 |
| Equity capital to assets | 10.3751% | 3,642 |
| Core capital (leverage) ratio | 10.3411% | 2,940 |
| Tier 1 risk-based capital ratio | 24.6411% | 938 |
| Total risk-based capital ratio | 25.8202% | 931 |
| Memoranda: | ||
| Average total assets | $266,715,500 | 2,415 |
| Average earning assets | $256,164,500 | 2,313 |
| Average equity | $27,483,500 | 2,435 |
| Average total loans | $134,977,000 | 2,855 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 6,557 |
| Cost of funding earning assets | 0.8693% | 4,327 |
| Net interest margin | 3.0722% | 6,401 |
| Noninterest income to average assets | 0.1619% | 6,335 |
| Noninterest expense to average assets | 2.6579% | 4,894 |
| Loan and lease loss provision to assets | 0.3049% | 3,228 |
| Net operating income to assets | 0.2773% | 5,340 |
| Return on assets (ROA) | 0.3017% | 5,399 |
| Pretax return on assets | 0.1725% | 5,852 |
| Return on Equity (ROE) | 3.3223% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.3223% | 3,860 |
| Net charge-offs to loans | 0.6687% | 2,485 |
| Credit loss provision to net charge-offs | 91.4847% | 3,945 |
| Earnings coverage of net charge-offs (x) | 1.3592% | 4,751 |
| Efficiency ratio | 85.4369% | 1,628 |
| Assets per employee ($millions) | 5.7031% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,405 |
| Loan loss allowance to noncurrent loans | 143.7916% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 4,962 |
| Noncurrent loans to loans | 0.6594% | 5,386 |
| Net loans and leases to total assets | 50.5454% | 5,522 |
| Net loans and leases to deposits | 59.1710% | 5,579 |
| Net loans and leases to core deposits | 60.8020% | 5,770 |
| Total domestic deposits to total assets | 85.4227% | 3,631 |
| Equity capital to assets | 10.2344% | 3,870 |
| Core capital (leverage) ratio | 10.1083% | 3,216 |
| Tier 1 risk-based capital ratio | 23.7954% | 982 |
| Total risk-based capital ratio | 24.9434% | 987 |
| Memoranda: | ||
| Average total assets | $274,802,400 | 2,307 |
| Average earning assets | $263,781,600 | 2,215 |
| Average equity | $24,952,600 | 2,587 |
| Average total loans | $136,982,000 | 2,858 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 6,655 |
| Cost of funding earning assets | 0.8970% | 4,421 |
| Net interest margin | 3.0578% | 6,478 |
| Noninterest income to average assets | 0.1582% | 6,462 |
| Noninterest expense to average assets | 2.5808% | 5,147 |
| Loan and lease loss provision to assets | 0.4002% | 2,449 |
| Net operating income to assets | 0.3187% | 5,326 |
| Return on assets (ROA) | 0.3511% | 5,383 |
| Pretax return on assets | 0.1437% | 6,016 |
| Return on Equity (ROE) | 3.9891% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.9891% | 3,877 |
| Net charge-offs to loans | 0.7949% | 1,972 |
| Credit loss provision to net charge-offs | 101.5912% | 3,301 |
| Earnings coverage of net charge-offs (x) | 1.2986% | 4,645 |
| Efficiency ratio | 83.4555% | 1,795 |
| Assets per employee ($millions) | 5.7684% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,206 |
| Loan loss allowance to noncurrent loans | 115.7631% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 4,903 |
| Noncurrent loans to loans | 0.8751% | 5,107 |
| Net loans and leases to total assets | 50.0269% | 5,700 |
| Net loans and leases to deposits | 58.5098% | 5,794 |
| Net loans and leases to core deposits | 59.8834% | 6,001 |
| Total domestic deposits to total assets | 85.5018% | 3,493 |
| Equity capital to assets | 9.7674% | 4,673 |
| Core capital (leverage) ratio | 9.9013% | 3,574 |
| Tier 1 risk-based capital ratio | 24.6664% | 943 |
| Total risk-based capital ratio | 25.9170% | 928 |
| Memoranda: | ||
| Average total assets | $276,491,500 | 2,309 |
| Average earning assets | $265,329,500 | 2,209 |
| Average equity | $24,332,500 | 2,641 |
| Average total loans | $137,032,000 | 2,882 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 6,721 |
| Cost of funding earning assets | 0.9234% | 4,493 |
| Net interest margin | 3.0364% | 6,535 |
| Noninterest income to average assets | 0.1710% | 6,436 |
| Noninterest expense to average assets | 2.6002% | 5,179 |
| Loan and lease loss provision to assets | 0.5965% | 1,621 |
| Net operating income to assets | 0.3026% | 5,367 |
| Return on assets (ROA) | 0.3205% | 5,423 |
| Pretax return on assets | -0.0862% | 6,348 |
| Return on Equity (ROE) | 3.7770% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.7770% | 3,813 |
| Net charge-offs to loans | 1.1924% | 1,315 |
| Credit loss provision to net charge-offs | 101.5912% | 3,056 |
| Earnings coverage of net charge-offs (x) | 0.8213% | 4,689 |
| Efficiency ratio | 84.3553% | 1,775 |
| Assets per employee ($millions) | 5.8262% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 6,290 |
| Loan loss allowance to noncurrent loans | 115.6667% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 5,034 |
| Noncurrent loans to loans | 0.8720% | 5,212 |
| Net loans and leases to total assets | 49.7489% | 5,856 |
| Net loans and leases to deposits | 57.4532% | 6,000 |
| Net loans and leases to core deposits | 58.9958% | 6,191 |
| Total domestic deposits to total assets | 86.5904% | 2,994 |
| Equity capital to assets | 8.8065% | 5,810 |
| Core capital (leverage) ratio | 9.7608% | 3,576 |
| Tier 1 risk-based capital ratio | 22.9836% | 1,120 |
| Total risk-based capital ratio | 24.1874% | 1,110 |
| Memoranda: | ||
| Average total assets | $278,283,330 | 2,307 |
| Average earning assets | $266,828,330 | 2,202 |
| Average equity | $23,616,330 | 2,686 |
| Average total loans | $137,036,330 | 2,916 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 6,834 |
| Cost of funding earning assets | 0.9554% | 4,530 |
| Net interest margin | 2.9346% | 6,697 |
| Noninterest income to average assets | 0.2310% | 6,067 |
| Noninterest expense to average assets | 2.6281% | 5,118 |
| Loan and lease loss provision to assets | 1.1522% | 619 |
| Net operating income to assets | 0.0200% | 6,312 |
| Return on assets (ROA) | 0.0200% | 6,346 |
| Pretax return on assets | -0.7372% | 6,886 |
| Return on Equity (ROE) | 0.2397% | 6,329 |
| Retained earnings to average equity (ytd only) | 0.2397% | 5,716 |
| Net charge-offs to loans | 2.3518% | 509 |
| Credit loss provision to net charge-offs | 100.4975% | 2,631 |
| Earnings coverage of net charge-offs (x) | 0.3619% | 4,344 |
| Efficiency ratio | 86.3636% | 1,675 |
| Assets per employee ($millions) | 6.1696% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 6,327 |
| Loan loss allowance to noncurrent loans | 78.4861% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.1980% | 4,562 |
| Noncurrent loans to loans | 1.2957% | 4,534 |
| Net loans and leases to total assets | 49.4443% | 5,912 |
| Net loans and leases to deposits | 57.0107% | 6,027 |
| Net loans and leases to core deposits | 58.6161% | 6,203 |
| Total domestic deposits to total assets | 86.7281% | 3,105 |
| Equity capital to assets | 8.4797% | 5,943 |
| Core capital (leverage) ratio | 9.4869% | 3,830 |
| Tier 1 risk-based capital ratio | 22.5403% | 1,139 |
| Total risk-based capital ratio | 23.7327% | 1,126 |
| Memoranda: | ||
| Average total assets | $280,508,500 | 2,299 |
| Average earning assets | $268,794,500 | 2,207 |
| Average equity | $23,367,000 | 2,704 |
| Average total loans | $136,746,000 | 2,952 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 7,242 |
| Cost of funding earning assets | 1.3321% | 3,678 |
| Net interest margin | 2.4874% | 7,280 |
| Noninterest income to average assets | 0.2336% | 6,133 |
| Noninterest expense to average assets | 2.3629% | 6,190 |
| Loan and lease loss provision to assets | 0.2185% | 5,079 |
| Net operating income to assets | 0.0121% | 5,804 |
| Return on assets (ROA) | 0.2197% | 5,369 |
| Pretax return on assets | 0.3681% | 5,034 |
| Return on Equity (ROE) | 2.7952% | 5,040 |
| Retained earnings to average equity (ytd only) | 2.7952% | 3,899 |
| Net charge-offs to loans | 0.5856% | 3,279 |
| Credit loss provision to net charge-offs | 81.1525% | 5,516 |
| Earnings coverage of net charge-offs (x) | 0.9736% | 5,134 |
| Efficiency ratio | 90.0160% | 1,324 |
| Assets per employee ($millions) | 6.5808% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 6,406 |
| Loan loss allowance to noncurrent loans | 50.5701% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 4,146 |
| Noncurrent loans to loans | 1.9718% | 3,603 |
| Net loans and leases to total assets | 47.1467% | 6,466 |
| Net loans and leases to deposits | 57.5054% | 6,304 |
| Net loans and leases to core deposits | 59.1891% | 6,459 |
| Total domestic deposits to total assets | 81.9866% | 5,192 |
| Equity capital to assets | 8.1901% | 6,270 |
| Core capital (leverage) ratio | 8.8854% | 4,720 |
| Tier 1 risk-based capital ratio | 21.7747% | 1,209 |
| Total risk-based capital ratio | 22.9239% | 1,198 |
| Memoranda: | ||
| Average total assets | $309,448,600 | 2,094 |
| Average earning assets | $297,494,000 | 1,998 |
| Average equity | $24,327,800 | 2,623 |
| Average total loans | $142,254,400 | 2,900 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 7,387 |
| Cost of funding earning assets | 1.3885% | 3,643 |
| Net interest margin | 2.4392% | 7,412 |
| Noninterest income to average assets | 0.2235% | 6,305 |
| Noninterest expense to average assets | 2.2962% | 6,340 |
| Loan and lease loss provision to assets | 0.2867% | 4,279 |
| Net operating income to assets | -0.0270% | 6,057 |
| Return on assets (ROA) | 0.2455% | 5,522 |
| Pretax return on assets | 0.4122% | 5,186 |
| Return on Equity (ROE) | 3.1534% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.1534% | 4,225 |
| Net charge-offs to loans | 0.6678% | 2,756 |
| Credit loss provision to net charge-offs | 94.1504% | 4,605 |
| Earnings coverage of net charge-offs (x) | 0.8969% | 5,157 |
| Efficiency ratio | 89.3712% | 1,334 |
| Assets per employee ($millions) | 6.8063% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 6,014 |
| Loan loss allowance to noncurrent loans | 62.0058% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 4,387 |
| Noncurrent loans to loans | 1.7435% | 4,026 |
| Net loans and leases to total assets | 45.5245% | 6,738 |
| Net loans and leases to deposits | 55.5667% | 6,644 |
| Net loans and leases to core deposits | 57.2002% | 6,783 |
| Total domestic deposits to total assets | 81.9278% | 5,026 |
| Equity capital to assets | 8.3853% | 6,413 |
| Core capital (leverage) ratio | 8.4795% | 5,547 |
| Tier 1 risk-based capital ratio | 21.1547% | 1,335 |
| Total risk-based capital ratio | 22.3693% | 1,319 |
| Memoranda: | ||
| Average total assets | $314,421,750 | 2,098 |
| Average earning assets | $302,384,750 | 1,994 |
| Average equity | $24,481,000 | 2,654 |
| Average total loans | $143,345,250 | 2,916 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 7,476 |
| Cost of funding earning assets | 1.4292% | 3,674 |
| Net interest margin | 2.3878% | 7,486 |
| Noninterest income to average assets | 0.1716% | 6,675 |
| Noninterest expense to average assets | 2.2987% | 6,355 |
| Loan and lease loss provision to assets | 0.4233% | 3,210 |
| Net operating income to assets | -0.1776% | 6,328 |
| Return on assets (ROA) | 0.2248% | 5,614 |
| Pretax return on assets | 0.3757% | 5,288 |
| Return on Equity (ROE) | 2.9583% | 5,249 |
| Retained earnings to average equity (ytd only) | 2.9583% | 4,243 |
| Net charge-offs to loans | 0.9312% | 1,975 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 0.4024% | 5,328 |
| Efficiency ratio | 93.1017% | 1,116 |
| Assets per employee ($millions) | 6.8505% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 6,044 |
| Loan loss allowance to noncurrent loans | 70.2430% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.1634% | 4,808 |
| Noncurrent loans to loans | 1.5351% | 4,415 |
| Net loans and leases to total assets | 44.6008% | 6,880 |
| Net loans and leases to deposits | 54.3748% | 6,840 |
| Net loans and leases to core deposits | 55.8444% | 6,948 |
| Total domestic deposits to total assets | 82.0247% | 4,973 |
| Equity capital to assets | 7.8928% | 6,856 |
| Core capital (leverage) ratio | 8.1359% | 6,055 |
| Tier 1 risk-based capital ratio | 19.9823% | 1,522 |
| Total risk-based capital ratio | 21.1719% | 1,491 |
| Memoranda: | ||
| Average total assets | $319,403,670 | 2,075 |
| Average earning assets | $307,313,000 | 1,983 |
| Average equity | $24,270,670 | 2,663 |
| Average total loans | $145,185,330 | 2,919 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 7,601 |
| Cost of funding earning assets | 1.5047% | 3,524 |
| Net interest margin | 2.2688% | 7,611 |
| Noninterest income to average assets | 0.1766% | 6,696 |
| Noninterest expense to average assets | 2.2131% | 6,657 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0843% | 6,064 |
| Return on assets (ROA) | 0.0883% | 6,154 |
| Pretax return on assets | 0.1493% | 6,023 |
| Return on Equity (ROE) | 1.1848% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.1848% | 5,343 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9282% | 1,136 |
| Assets per employee ($millions) | 7.2519% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 6,156 |
| Loan loss allowance to noncurrent loans | 54.0388% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.3539% | 4,487 |
| Noncurrent loans to loans | 1.9747% | 3,825 |
| Net loans and leases to total assets | 44.5136% | 6,951 |
| Net loans and leases to deposits | 53.8934% | 6,922 |
| Net loans and leases to core deposits | 55.2655% | 7,029 |
| Total domestic deposits to total assets | 82.5957% | 4,803 |
| Equity capital to assets | 7.5868% | 7,004 |
| Core capital (leverage) ratio | 7.9767% | 6,269 |
| Tier 1 risk-based capital ratio | 19.5271% | 1,610 |
| Total risk-based capital ratio | 20.7028% | 1,604 |
| Memoranda: | ||
| Average total assets | $321,544,500 | 2,114 |
| Average earning assets | $308,890,500 | 2,023 |
| Average equity | $23,970,000 | 2,722 |
| Average total loans | $146,738,500 | 2,951 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 7,560 |
| Cost of funding earning assets | 1.9674% | 3,112 |
| Net interest margin | 2.3296% | 7,563 |
| Noninterest income to average assets | 0.3359% | 5,691 |
| Noninterest expense to average assets | 2.2999% | 6,750 |
| Loan and lease loss provision to assets | 0.0830% | 6,778 |
| Net operating income to assets | 0.1174% | 5,159 |
| Return on assets (ROA) | 0.1172% | 5,215 |
| Pretax return on assets | 0.1965% | 5,013 |
| Return on Equity (ROE) | 1.4586% | 5,105 |
| Retained earnings to average equity (ytd only) | 1.4586% | 4,045 |
| Net charge-offs to loans | 0.3627% | 4,413 |
| Credit loss provision to net charge-offs | 40.1284% | 6,827 |
| Earnings coverage of net charge-offs (x) | 1.3531% | 4,780 |
| Efficiency ratio | 89.1548% | 1,778 |
| Assets per employee ($millions) | 7.0436% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 6,259 |
| Loan loss allowance to noncurrent loans | 62.7869% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 4,673 |
| Noncurrent loans to loans | 1.6276% | 4,203 |
| Net loans and leases to total assets | 45.7947% | 7,000 |
| Net loans and leases to deposits | 55.9921% | 6,919 |
| Net loans and leases to core deposits | 65.5183% | 7,004 |
| Total domestic deposits to total assets | 81.7877% | 5,039 |
| Equity capital to assets | 7.3245% | 7,176 |
| Core capital (leverage) ratio | 7.9561% | 6,253 |
| Tier 1 risk-based capital ratio | 18.9334% | 1,667 |
| Total risk-based capital ratio | 19.9512% | 1,681 |
| Memoranda: | ||
| Average total assets | $301,311,200 | 2,208 |
| Average earning assets | $290,225,800 | 2,127 |
| Average equity | $24,201,600 | 2,696 |
| Average total loans | $171,777,200 | 2,601 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 7,592 |
| Cost of funding earning assets | 2.0388% | 3,167 |
| Net interest margin | 2.3797% | 7,581 |
| Noninterest income to average assets | 0.3752% | 5,509 |
| Noninterest expense to average assets | 2.3014% | 6,701 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2205% | 5,089 |
| Return on assets (ROA) | 0.2196% | 5,171 |
| Pretax return on assets | 0.3676% | 4,884 |
| Return on Equity (ROE) | 2.6700% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.6700% | 3,835 |
| Net charge-offs to loans | 0.0745% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 8.2624% | 2,277 |
| Efficiency ratio | 86.1848% | 2,041 |
| Assets per employee ($millions) | 7.1713% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 5,565 |
| Loan loss allowance to noncurrent loans | 64.3850% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.3596% | 4,370 |
| Noncurrent loans to loans | 1.7469% | 4,001 |
| Net loans and leases to total assets | 50.3155% | 6,757 |
| Net loans and leases to deposits | 62.3056% | 6,643 |
| Net loans and leases to core deposits | 72.3691% | 6,820 |
| Total domestic deposits to total assets | 80.7560% | 5,170 |
| Equity capital to assets | 7.6980% | 7,151 |
| Core capital (leverage) ratio | 8.2659% | 5,890 |
| Tier 1 risk-based capital ratio | 14.7650% | 3,151 |
| Total risk-based capital ratio | 15.8104% | 3,191 |
| Memoranda: | ||
| Average total assets | $295,637,250 | 2,259 |
| Average earning assets | $285,132,500 | 2,168 |
| Average equity | $24,319,000 | 2,708 |
| Average total loans | $177,244,000 | 2,575 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 7,543 |
| Cost of funding earning assets | 2.1532% | 3,028 |
| Net interest margin | 2.4419% | 7,535 |
| Noninterest income to average assets | 0.4609% | 4,771 |
| Noninterest expense to average assets | 2.3501% | 6,624 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2775% | 4,990 |
| Return on assets (ROA) | 0.2775% | 5,093 |
| Pretax return on assets | 0.4637% | 4,738 |
| Return on Equity (ROE) | 3.2965% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.2965% | 3,490 |
| Net charge-offs to loans | 0.1083% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.7677% | 2,551 |
| Efficiency ratio | 83.5219% | 2,539 |
| Assets per employee ($millions) | 7.0597% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 5,808 |
| Loan loss allowance to noncurrent loans | 79.7703% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 4,523 |
| Noncurrent loans to loans | 1.3363% | 4,542 |
| Net loans and leases to total assets | 53.9614% | 6,457 |
| Net loans and leases to deposits | 67.3411% | 6,262 |
| Net loans and leases to core deposits | 76.6527% | 6,634 |
| Total domestic deposits to total assets | 80.1314% | 5,428 |
| Equity capital to assets | 7.9176% | 6,848 |
| Core capital (leverage) ratio | 8.5233% | 5,402 |
| Tier 1 risk-based capital ratio | 18.9559% | 1,790 |
| Total risk-based capital ratio | 20.2144% | 1,743 |
| Memoranda: | ||
| Average total assets | $289,004,000 | 2,328 |
| Average earning assets | $278,470,670 | 2,234 |
| Average equity | $24,328,670 | 2,721 |
| Average total loans | $182,802,000 | 2,536 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 7,185 |
| Cost of funding earning assets | 2.2580% | 2,892 |
| Net interest margin | 2.6394% | 7,314 |
| Noninterest income to average assets | 0.5148% | 4,186 |
| Noninterest expense to average assets | 2.3955% | 6,205 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3882% | 4,900 |
| Return on assets (ROA) | 0.3882% | 5,078 |
| Pretax return on assets | 0.6571% | 4,566 |
| Return on Equity (ROE) | 4.4635% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.4635% | 3,441 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4739% | 3,091 |
| Assets per employee ($millions) | 6.5403% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 6,032 |
| Loan loss allowance to noncurrent loans | 64.2929% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.5457% | 3,617 |
| Noncurrent loans to loans | 1.5876% | 3,893 |
| Net loans and leases to total assets | 64.1923% | 4,954 |
| Net loans and leases to deposits | 81.9415% | 4,294 |
| Net loans and leases to core deposits | 91.8752% | 5,355 |
| Total domestic deposits to total assets | 78.3392% | 5,911 |
| Equity capital to assets | 8.4845% | 6,096 |
| Core capital (leverage) ratio | 9.2454% | 4,334 |
| Tier 1 risk-based capital ratio | 18.6144% | 1,899 |
| Total risk-based capital ratio | 19.8665% | 1,853 |
| Memoranda: | ||
| Average total assets | $278,193,000 | 2,398 |
| Average earning assets | $267,488,500 | 2,312 |
| Average equity | $24,196,000 | 2,741 |
| Average total loans | $189,491,000 | 2,480 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3658% | 7,512 |
| Cost of funding earning assets | 2.6239% | 3,562 |
| Net interest margin | 2.7419% | 7,425 |
| Noninterest income to average assets | 0.1351% | 7,426 |
| Noninterest expense to average assets | 2.2260% | 6,907 |
| Loan and lease loss provision to assets | 0.0806% | 6,384 |
| Net operating income to assets | 0.2780% | 5,622 |
| Return on assets (ROA) | 0.2945% | 5,377 |
| Pretax return on assets | 0.4933% | 4,992 |
| Return on Equity (ROE) | 3.4225% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.4225% | 3,010 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2376% | 2,560 |
| Assets per employee ($millions) | 6.1048% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,145 |
| Loan loss allowance to noncurrent loans | 1,924.2424% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 5,418 |
| Noncurrent loans to loans | 0.0515% | 7,301 |
| Net loans and leases to total assets | 70.8990% | 3,813 |
| Net loans and leases to deposits | 94.2312% | 2,725 |
| Net loans and leases to core deposits | 105.3067% | 4,267 |
| Total domestic deposits to total assets | 75.2395% | 6,394 |
| Equity capital to assets | 8.9259% | 5,463 |
| Core capital (leverage) ratio | 9.3836% | 4,181 |
| Tier 1 risk-based capital ratio | 18.6358% | 1,882 |
| Total risk-based capital ratio | 19.8880% | 1,838 |
| Memoranda: | ||
| Average total assets | $273,046,000 | 2,358 |
| Average earning assets | $262,812,000 | 2,268 |
| Average equity | $23,491,400 | 2,791 |
| Average total loans | $181,199,000 | 2,488 |