Home > Ridgestone Bank > Performance and Condition Ratios
Ridgestone Bank, Performance and Condition Ratios
| 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 | 7.3934% | 49 |
| Cost of funding earning assets | 0.8723% | 336 |
| Net interest margin | 6.5212% | 51 |
| Noninterest income to average assets | 9.5408% | 66 |
| Noninterest expense to average assets | 7.1379% | 129 |
| Loan and lease loss provision to assets | 1.0477% | 94 |
| Net operating income to assets | 4.4872% | 43 |
| Return on assets (ROA) | 4.4872% | 43 |
| Pretax return on assets | 7.3408% | 30 |
| Return on Equity (ROE) | 32.2010% | 28 |
| Retained earnings to average equity (ytd only) | 25.3574% | 28 |
| Net charge-offs to loans | 1.3716% | 108 |
| Credit loss provision to net charge-offs | 90.4174% | 2,523 |
| Earnings coverage of net charge-offs (x) | 7.2397% | 2,901 |
| Efficiency ratio | 45.9728% | 5,670 |
| Assets per employee ($millions) | 2.6630% | 5,630 |
| Cash dividends to net income (ytd only)* | 21.2528% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2247% | 492 |
| Loan loss allowance to noncurrent loans | 133.4209% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.8065% | 907 |
| Noncurrent loans to loans | 1.6674% | 1,269 |
| Net loans and leases to total assets | 83.7928% | 422 |
| Net loans and leases to deposits | 105.3503% | 397 |
| Net loans and leases to core deposits | 131.0315% | 284 |
| Total domestic deposits to total assets | 79.5373% | 4,609 |
| Equity capital to assets | 14.7778% | 795 |
| Core capital (leverage) ratio | 14.0325% | 836 |
| Tier 1 risk-based capital ratio | 14.6602% | 3,210 |
| Total risk-based capital ratio | 15.9240% | 3,141 |
| Memoranda: | ||
| Average total assets | $438,303,750 | 1,547 |
| Average earning assets | $402,310,250 | 1,554 |
| Average equity | $61,077,250 | 1,280 |
| Average total loans | $370,260,750 | 1,273 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3369% | 49 |
| Cost of funding earning assets | 0.8625% | 351 |
| Net interest margin | 6.4744% | 53 |
| Noninterest income to average assets | 9.0329% | 67 |
| Noninterest expense to average assets | 6.8788% | 141 |
| Loan and lease loss provision to assets | 1.0579% | 92 |
| Net operating income to assets | 4.2053% | 46 |
| Return on assets (ROA) | 4.2053% | 46 |
| Pretax return on assets | 7.0459% | 32 |
| Return on Equity (ROE) | 30.8271% | 40 |
| Retained earnings to average equity (ytd only) | 25.9401% | 29 |
| Net charge-offs to loans | 0.8964% | 214 |
| Credit loss provision to net charge-offs | 140.4164% | 1,680 |
| Earnings coverage of net charge-offs (x) | 10.7563% | 2,307 |
| Efficiency ratio | 45.9122% | 5,755 |
| Assets per employee ($millions) | 2.5999% | 5,737 |
| Cash dividends to net income (ytd only)* | 15.8530% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6096% | 317 |
| Loan loss allowance to noncurrent loans | 158.7114% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.8269% | 932 |
| Noncurrent loans to loans | 1.6443% | 1,299 |
| Net loans and leases to total assets | 81.0563% | 741 |
| Net loans and leases to deposits | 101.6284% | 590 |
| Net loans and leases to core deposits | 126.0225% | 370 |
| Total domestic deposits to total assets | 79.7575% | 4,609 |
| Equity capital to assets | 14.1727% | 972 |
| Core capital (leverage) ratio | 13.3485% | 1,039 |
| Tier 1 risk-based capital ratio | 14.7848% | 3,162 |
| Total risk-based capital ratio | 16.0541% | 3,103 |
| Memoranda: | ||
| Average total assets | $433,503,000 | 1,570 |
| Average earning assets | $398,371,000 | 1,577 |
| Average equity | $59,136,330 | 1,315 |
| Average total loans | $364,359,000 | 1,287 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6771% | 45 |
| Cost of funding earning assets | 0.8397% | 402 |
| Net interest margin | 6.8375% | 44 |
| Noninterest income to average assets | 8.2297% | 72 |
| Noninterest expense to average assets | 7.1053% | 137 |
| Loan and lease loss provision to assets | 0.7113% | 149 |
| Net operating income to assets | 3.9882% | 57 |
| Return on assets (ROA) | 3.9882% | 54 |
| Pretax return on assets | 6.6996% | 38 |
| Return on Equity (ROE) | 29.8392% | 49 |
| Retained earnings to average equity (ytd only) | 29.8392% | 27 |
| Net charge-offs to loans | 0.0310% | 2,332 |
| Credit loss provision to net charge-offs | 2,717.8571% | 153 |
| Earnings coverage of net charge-offs (x) | 283.1786% | 210 |
| Efficiency ratio | 48.9473% | 5,681 |
| Assets per employee ($millions) | 2.6256% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6816% | 321 |
| Loan loss allowance to noncurrent loans | 177.8611% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.6511% | 1,189 |
| Noncurrent loans to loans | 1.5077% | 1,552 |
| Net loans and leases to total assets | 81.4994% | 629 |
| Net loans and leases to deposits | 100.4201% | 596 |
| Net loans and leases to core deposits | 125.4875% | 345 |
| Total domestic deposits to total assets | 81.1584% | 4,441 |
| Equity capital to assets | 13.7345% | 1,076 |
| Core capital (leverage) ratio | 13.1365% | 1,110 |
| Tier 1 risk-based capital ratio | 14.2297% | 3,548 |
| Total risk-based capital ratio | 15.4990% | 3,465 |
| Memoranda: | ||
| Average total assets | $427,964,500 | 1,581 |
| Average earning assets | $393,479,500 | 1,596 |
| Average equity | $57,200,000 | 1,357 |
| Average total loans | $361,530,500 | 1,293 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9471% | 60 |
| Cost of funding earning assets | 0.7843% | 537 |
| Net interest margin | 6.1628% | 65 |
| Noninterest income to average assets | 7.3136% | 87 |
| Noninterest expense to average assets | 7.3940% | 127 |
| Loan and lease loss provision to assets | 0.8096% | 120 |
| Net operating income to assets | 2.7807% | 105 |
| Return on assets (ROA) | 2.7960% | 101 |
| Pretax return on assets | 4.7471% | 56 |
| Return on Equity (ROE) | 22.4885% | 156 |
| Retained earnings to average equity (ytd only) | 13.4736% | 187 |
| Net charge-offs to loans | 0.5059% | 515 |
| Credit loss provision to net charge-offs | 195.6649% | 1,422 |
| Earnings coverage of net charge-offs (x) | 13.3714% | 2,375 |
| Efficiency ratio | 57.1996% | 5,237 |
| Assets per employee ($millions) | 2.6754% | 5,788 |
| Cash dividends to net income (ytd only)* | 40.0867% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4971% | 395 |
| Loan loss allowance to noncurrent loans | 181.5174% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.5309% | 1,314 |
| Noncurrent loans to loans | 1.3757% | 1,706 |
| Net loans and leases to total assets | 83.0984% | 477 |
| Net loans and leases to deposits | 101.8142% | 555 |
| Net loans and leases to core deposits | 126.5408% | 320 |
| Total domestic deposits to total assets | 81.6177% | 4,300 |
| Equity capital to assets | 12.9875% | 1,353 |
| Core capital (leverage) ratio | 12.3511% | 1,426 |
| Tier 1 risk-based capital ratio | 13.3239% | 4,090 |
| Total risk-based capital ratio | 14.5896% | 4,031 |
| Memoranda: | ||
| Average total assets | $412,548,600 | 1,598 |
| Average earning assets | $375,752,400 | 1,620 |
| Average equity | $51,292,800 | 1,449 |
| Average total loans | $337,423,000 | 1,326 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6905% | 68 |
| Cost of funding earning assets | 0.7666% | 603 |
| Net interest margin | 5.9240% | 77 |
| Noninterest income to average assets | 7.0439% | 94 |
| Noninterest expense to average assets | 7.6520% | 124 |
| Loan and lease loss provision to assets | 0.5948% | 156 |
| Net operating income to assets | 2.4570% | 169 |
| Return on assets (ROA) | 2.4776% | 171 |
| Pretax return on assets | 4.2122% | 70 |
| Return on Equity (ROE) | 20.1591% | 263 |
| Retained earnings to average equity (ytd only) | 12.8194% | 292 |
| Net charge-offs to loans | -0.0052% | 4,839 |
| Credit loss provision to net charge-offs | -14,069.2308% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5769% | 4,636 |
| Assets per employee ($millions) | 2.7159% | 5,824 |
| Cash dividends to net income (ytd only)* | 36.4089% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5897% | 388 |
| Loan loss allowance to noncurrent loans | 141.0728% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 2.0853% | 952 |
| Noncurrent loans to loans | 1.8357% | 1,284 |
| Net loans and leases to total assets | 81.7196% | 609 |
| Net loans and leases to deposits | 99.2043% | 710 |
| Net loans and leases to core deposits | 124.3262% | 369 |
| Total domestic deposits to total assets | 82.3750% | 4,033 |
| Equity capital to assets | 12.5137% | 1,736 |
| Core capital (leverage) ratio | 12.2607% | 1,533 |
| Tier 1 risk-based capital ratio | 13.3084% | 4,246 |
| Total risk-based capital ratio | 14.5760% | 4,162 |
| Memoranda: | ||
| Average total assets | $410,009,250 | 1,614 |
| Average earning assets | $372,556,750 | 1,643 |
| Average equity | $50,391,250 | 1,481 |
| Average total loans | $331,714,250 | 1,351 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6802% | 72 |
| Cost of funding earning assets | 0.7436% | 670 |
| Net interest margin | 5.9367% | 76 |
| Noninterest income to average assets | 7.3247% | 94 |
| Noninterest expense to average assets | 8.4430% | 103 |
| Loan and lease loss provision to assets | 0.6511% | 134 |
| Net operating income to assets | 2.1183% | 304 |
| Return on assets (ROA) | 2.1413% | 301 |
| Pretax return on assets | 3.6424% | 91 |
| Return on Equity (ROE) | 17.5340% | 445 |
| Retained earnings to average equity (ytd only) | 10.0615% | 648 |
| Net charge-offs to loans | 0.0976% | 2,039 |
| Credit loss provision to net charge-offs | 835.4430% | 416 |
| Earnings coverage of net charge-offs (x) | 54.6266% | 898 |
| Efficiency ratio | 66.4776% | 3,927 |
| Assets per employee ($millions) | 2.8607% | 5,756 |
| Cash dividends to net income (ytd only)* | 42.6169% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5582% | 457 |
| Loan loss allowance to noncurrent loans | 161.2751% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.7941% | 1,285 |
| Noncurrent loans to loans | 1.5863% | 1,656 |
| Net loans and leases to total assets | 76.6941% | 1,276 |
| Net loans and leases to deposits | 93.0522% | 1,248 |
| Net loans and leases to core deposits | 115.2875% | 615 |
| Total domestic deposits to total assets | 82.4206% | 4,147 |
| Equity capital to assets | 11.9274% | 2,081 |
| Core capital (leverage) ratio | 11.9030% | 1,712 |
| Tier 1 risk-based capital ratio | 14.4019% | 3,697 |
| Total risk-based capital ratio | 15.6722% | 3,604 |
| Memoranda: | ||
| Average total assets | $405,449,670 | 1,648 |
| Average earning assets | $367,142,000 | 1,673 |
| Average equity | $49,515,330 | 1,516 |
| Average total loans | $323,805,330 | 1,386 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3108% | 93 |
| Cost of funding earning assets | 0.7399% | 697 |
| Net interest margin | 5.5708% | 112 |
| Noninterest income to average assets | 7.1116% | 100 |
| Noninterest expense to average assets | 6.5395% | 167 |
| Loan and lease loss provision to assets | 0.3773% | 326 |
| Net operating income to assets | 3.1043% | 85 |
| Return on assets (ROA) | 3.1043% | 88 |
| Pretax return on assets | 5.2078% | 57 |
| Return on Equity (ROE) | 25.1063% | 102 |
| Retained earnings to average equity (ytd only) | 17.5589% | 159 |
| Net charge-offs to loans | 0.3084% | 768 |
| Credit loss provision to net charge-offs | 152.0325% | 1,232 |
| Earnings coverage of net charge-offs (x) | 22.5041% | 1,350 |
| Efficiency ratio | 53.9358% | 5,685 |
| Assets per employee ($millions) | 2.7670% | 5,919 |
| Cash dividends to net income (ytd only)* | 30.0617% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3268% | 682 |
| Loan loss allowance to noncurrent loans | 202.0227% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 2.1310% | 1,084 |
| Noncurrent loans to loans | 1.1517% | 2,465 |
| Net loans and leases to total assets | 78.9204% | 802 |
| Net loans and leases to deposits | 95.7356% | 848 |
| Net loans and leases to core deposits | 118.3231% | 445 |
| Total domestic deposits to total assets | 82.4357% | 4,373 |
| Equity capital to assets | 12.6251% | 1,615 |
| Core capital (leverage) ratio | 12.1381% | 1,556 |
| Tier 1 risk-based capital ratio | 14.5513% | 3,696 |
| Total risk-based capital ratio | 15.8177% | 3,611 |
| Memoranda: | ||
| Average total assets | $396,481,000 | 1,687 |
| Average earning assets | $356,786,500 | 1,720 |
| Average equity | $49,023,500 | 1,535 |
| Average total loans | $319,089,000 | 1,407 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3227% | 107 |
| Cost of funding earning assets | 0.7190% | 1,015 |
| Net interest margin | 5.6037% | 113 |
| Noninterest income to average assets | 7.6727% | 86 |
| Noninterest expense to average assets | 6.4359% | 162 |
| Loan and lease loss provision to assets | 1.1722% | 83 |
| Net operating income to assets | 3.1021% | 85 |
| Return on assets (ROA) | 3.1021% | 86 |
| Pretax return on assets | 5.1157% | 52 |
| Return on Equity (ROE) | 23.9591% | 125 |
| Retained earnings to average equity (ytd only) | -5.3651% | 6,190 |
| Net charge-offs to loans | 1.7357% | 130 |
| Credit loss provision to net charge-offs | 84.2340% | 2,780 |
| Earnings coverage of net charge-offs (x) | 4.5185% | 3,632 |
| Efficiency ratio | 50.5636% | 6,062 |
| Assets per employee ($millions) | 2.9008% | 5,830 |
| Cash dividends to net income (ytd only)* | 122.3925% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3284% | 694 |
| Loan loss allowance to noncurrent loans | 206.4200% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 2.1165% | 1,169 |
| Noncurrent loans to loans | 1.1280% | 2,583 |
| Net loans and leases to total assets | 78.2906% | 962 |
| Net loans and leases to deposits | 94.3295% | 1,046 |
| Net loans and leases to core deposits | 117.9752% | 465 |
| Total domestic deposits to total assets | 82.9969% | 4,079 |
| Equity capital to assets | 12.1016% | 1,947 |
| Core capital (leverage) ratio | 11.9140% | 1,686 |
| Tier 1 risk-based capital ratio | 14.1273% | 4,019 |
| Total risk-based capital ratio | 15.3895% | 3,933 |
| Memoranda: | ||
| Average total assets | $386,969,200 | 1,690 |
| Average earning assets | $348,805,200 | 1,714 |
| Average equity | $50,102,000 | 1,438 |
| Average total loans | $310,249,000 | 1,383 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2124% | 125 |
| Cost of funding earning assets | 0.7154% | 1,077 |
| Net interest margin | 5.4970% | 136 |
| Noninterest income to average assets | 7.9686% | 82 |
| Noninterest expense to average assets | 6.2499% | 165 |
| Loan and lease loss provision to assets | 1.2136% | 74 |
| Net operating income to assets | 3.3121% | 81 |
| Return on assets (ROA) | 3.3121% | 83 |
| Pretax return on assets | 5.4612% | 55 |
| Return on Equity (ROE) | 25.1605% | 102 |
| Retained earnings to average equity (ytd only) | 3.6665% | 4,035 |
| Net charge-offs to loans | 1.3728% | 185 |
| Credit loss provision to net charge-offs | 110.2548% | 2,036 |
| Earnings coverage of net charge-offs (x) | 6.0642% | 3,143 |
| Efficiency ratio | 48.3324% | 6,184 |
| Assets per employee ($millions) | 3.0464% | 5,682 |
| Cash dividends to net income (ytd only)* | 85.4276% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7871% | 444 |
| Loan loss allowance to noncurrent loans | 181.3509% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 1.8323% | 1,614 |
| Noncurrent loans to loans | 1.5369% | 2,106 |
| Net loans and leases to total assets | 76.9714% | 1,096 |
| Net loans and leases to deposits | 94.1701% | 1,024 |
| Net loans and leases to core deposits | 112.2115% | 651 |
| Total domestic deposits to total assets | 81.7366% | 4,567 |
| Equity capital to assets | 13.3344% | 1,264 |
| Core capital (leverage) ratio | 13.1122% | 1,133 |
| Tier 1 risk-based capital ratio | 15.7690% | 3,173 |
| Total risk-based capital ratio | 17.0364% | 3,105 |
| Memoranda: | ||
| Average total assets | $385,083,750 | 1,712 |
| Average earning assets | $347,187,250 | 1,732 |
| Average equity | $50,692,000 | 1,438 |
| Average total loans | $308,754,250 | 1,404 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0264% | 143 |
| Cost of funding earning assets | 0.7039% | 1,177 |
| Net interest margin | 5.3225% | 165 |
| Noninterest income to average assets | 8.4909% | 75 |
| Noninterest expense to average assets | 6.1194% | 172 |
| Loan and lease loss provision to assets | 1.6271% | 54 |
| Net operating income to assets | 3.3619% | 76 |
| Return on assets (ROA) | 3.3619% | 76 |
| Pretax return on assets | 5.5431% | 53 |
| Return on Equity (ROE) | 25.6506% | 99 |
| Retained earnings to average equity (ytd only) | -6.7827% | 6,338 |
| Net charge-offs to loans | 1.8568% | 126 |
| Credit loss provision to net charge-offs | 108.8379% | 1,843 |
| Earnings coverage of net charge-offs (x) | 4.7961% | 3,042 |
| Efficiency ratio | 46.0114% | 6,364 |
| Assets per employee ($millions) | 3.0740% | 5,643 |
| Cash dividends to net income (ytd only)* | 126.4428% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7071% | 533 |
| Loan loss allowance to noncurrent loans | 123.4651% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 2.6212% | 1,030 |
| Noncurrent loans to loans | 2.1926% | 1,493 |
| Net loans and leases to total assets | 79.1849% | 776 |
| Net loans and leases to deposits | 95.5328% | 835 |
| Net loans and leases to core deposits | 114.0912% | 533 |
| Total domestic deposits to total assets | 82.8877% | 4,352 |
| Equity capital to assets | 12.6244% | 1,575 |
| Core capital (leverage) ratio | 12.3483% | 1,476 |
| Tier 1 risk-based capital ratio | 15.2312% | 3,504 |
| Total risk-based capital ratio | 16.4995% | 3,444 |
| Memoranda: | ||
| Average total assets | $384,480,670 | 1,711 |
| Average earning assets | $346,639,330 | 1,729 |
| Average equity | $50,392,670 | 1,438 |
| Average total loans | $309,560,670 | 1,395 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8610% | 176 |
| Cost of funding earning assets | 0.7038% | 1,223 |
| Net interest margin | 5.1572% | 199 |
| Noninterest income to average assets | 7.5820% | 82 |
| Noninterest expense to average assets | 5.7879% | 207 |
| Loan and lease loss provision to assets | 1.7858% | 44 |
| Net operating income to assets | 2.8331% | 106 |
| Return on assets (ROA) | 2.8331% | 109 |
| Pretax return on assets | 4.6647% | 66 |
| Return on Equity (ROE) | 21.2257% | 230 |
| Retained earnings to average equity (ytd only) | 21.2257% | 98 |
| Net charge-offs to loans | 0.6559% | 563 |
| Credit loss provision to net charge-offs | 340.0000% | 728 |
| Earnings coverage of net charge-offs (x) | 12.2812% | 1,728 |
| Efficiency ratio | 47.2508% | 6,390 |
| Assets per employee ($millions) | 3.1971% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1227% | 384 |
| Loan loss allowance to noncurrent loans | 118.7799% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 3.2506% | 829 |
| Noncurrent loans to loans | 2.6290% | 1,305 |
| Net loans and leases to total assets | 76.8455% | 903 |
| Net loans and leases to deposits | 94.0292% | 789 |
| Net loans and leases to core deposits | 111.4221% | 530 |
| Total domestic deposits to total assets | 81.7252% | 5,021 |
| Equity capital to assets | 13.8930% | 958 |
| Core capital (leverage) ratio | 13.4314% | 991 |
| Tier 1 risk-based capital ratio | 17.0113% | 2,684 |
| Total risk-based capital ratio | 18.2840% | 2,626 |
| Memoranda: | ||
| Average total assets | $384,593,500 | 1,722 |
| Average earning assets | $347,243,500 | 1,731 |
| Average equity | $51,334,000 | 1,412 |
| Average total loans | $307,972,000 | 1,407 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 220 |
| Cost of funding earning assets | 0.8356% | 1,018 |
| Net interest margin | 4.9910% | 316 |
| Noninterest income to average assets | 4.9512% | 137 |
| Noninterest expense to average assets | 4.9626% | 361 |
| Loan and lease loss provision to assets | 1.3797% | 111 |
| Net operating income to assets | 1.8338% | 453 |
| Return on assets (ROA) | 1.8576% | 444 |
| Pretax return on assets | 3.0636% | 114 |
| Return on Equity (ROE) | 15.5854% | 677 |
| Retained earnings to average equity (ytd only) | 14.8386% | 174 |
| Net charge-offs to loans | 2.5278% | 114 |
| Credit loss provision to net charge-offs | 70.0361% | 3,308 |
| Earnings coverage of net charge-offs (x) | 2.2366% | 4,272 |
| Efficiency ratio | 52.8666% | 6,226 |
| Assets per employee ($millions) | 3.5663% | 4,768 |
| Cash dividends to net income (ytd only)* | 4.7919% | 4,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6140% | 721 |
| Loan loss allowance to noncurrent loans | 104.3987% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 3.2035% | 955 |
| Noncurrent loans to loans | 2.5039% | 1,510 |
| Net loans and leases to total assets | 78.7034% | 743 |
| Net loans and leases to deposits | 95.8982% | 742 |
| Net loans and leases to core deposits | 112.7240% | 504 |
| Total domestic deposits to total assets | 82.0698% | 4,850 |
| Equity capital to assets | 12.8138% | 1,359 |
| Core capital (leverage) ratio | 12.6929% | 1,259 |
| Tier 1 risk-based capital ratio | 15.3862% | 3,439 |
| Total risk-based capital ratio | 16.6525% | 3,374 |
| Memoranda: | ||
| Average total assets | $393,201,400 | 1,679 |
| Average earning assets | $348,027,200 | 1,719 |
| Average equity | $46,864,400 | 1,497 |
| Average total loans | $306,432,800 | 1,385 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7287% | 266 |
| Cost of funding earning assets | 0.8668% | 961 |
| Net interest margin | 4.8619% | 387 |
| Noninterest income to average assets | 4.9103% | 143 |
| Noninterest expense to average assets | 4.6976% | 439 |
| Loan and lease loss provision to assets | 1.3190% | 101 |
| Net operating income to assets | 1.9213% | 420 |
| Return on assets (ROA) | 1.9510% | 413 |
| Pretax return on assets | 3.2149% | 112 |
| Return on Equity (ROE) | 16.6779% | 570 |
| Retained earnings to average equity (ytd only) | 15.6663% | 170 |
| Net charge-offs to loans | 2.3942% | 138 |
| Credit loss provision to net charge-offs | 71.3424% | 3,048 |
| Earnings coverage of net charge-offs (x) | 2.4272% | 4,020 |
| Efficiency ratio | 51.0289% | 6,329 |
| Assets per employee ($millions) | 3.6437% | 4,570 |
| Cash dividends to net income (ytd only)* | 6.0659% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8971% | 618 |
| Loan loss allowance to noncurrent loans | 110.6504% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 4.3124% | 707 |
| Noncurrent loans to loans | 2.6183% | 1,622 |
| Net loans and leases to total assets | 76.3665% | 961 |
| Net loans and leases to deposits | 91.0563% | 1,060 |
| Net loans and leases to core deposits | 106.5509% | 728 |
| Total domestic deposits to total assets | 83.8673% | 4,249 |
| Equity capital to assets | 12.3085% | 1,704 |
| Core capital (leverage) ratio | 12.1493% | 1,588 |
| Tier 1 risk-based capital ratio | 14.7659% | 3,900 |
| Total risk-based capital ratio | 16.0349% | 3,846 |
| Memoranda: | ||
| Average total assets | $394,319,500 | 1,679 |
| Average earning assets | $346,716,250 | 1,740 |
| Average equity | $46,127,750 | 1,532 |
| Average total loans | $304,502,250 | 1,391 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5655% | 344 |
| Cost of funding earning assets | 0.9016% | 891 |
| Net interest margin | 4.6639% | 540 |
| Noninterest income to average assets | 5.7650% | 129 |
| Noninterest expense to average assets | 4.6651% | 459 |
| Loan and lease loss provision to assets | 1.6448% | 73 |
| Net operating income to assets | 2.1395% | 289 |
| Return on assets (ROA) | 2.1810% | 288 |
| Pretax return on assets | 3.5946% | 102 |
| Return on Equity (ROE) | 18.9734% | 387 |
| Retained earnings to average equity (ytd only) | 17.4301% | 141 |
| Net charge-offs to loans | 1.3730% | 412 |
| Credit loss provision to net charge-offs | 156.0847% | 1,482 |
| Earnings coverage of net charge-offs (x) | 4.9105% | 3,005 |
| Efficiency ratio | 47.2931% | 6,582 |
| Assets per employee ($millions) | 3.6916% | 4,417 |
| Cash dividends to net income (ytd only)* | 8.1339% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9008% | 276 |
| Loan loss allowance to noncurrent loans | 83.3678% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 6.9383% | 343 |
| Noncurrent loans to loans | 4.6790% | 726 |
| Net loans and leases to total assets | 74.3555% | 1,201 |
| Net loans and leases to deposits | 89.1112% | 1,217 |
| Net loans and leases to core deposits | 104.2071% | 834 |
| Total domestic deposits to total assets | 83.4413% | 4,527 |
| Equity capital to assets | 12.0813% | 1,860 |
| Core capital (leverage) ratio | 11.7630% | 1,755 |
| Tier 1 risk-based capital ratio | 14.2996% | 4,228 |
| Total risk-based capital ratio | 15.5790% | 4,157 |
| Memoranda: | ||
| Average total assets | $394,587,000 | 1,676 |
| Average earning assets | $344,731,670 | 1,745 |
| Average equity | $45,358,330 | 1,561 |
| Average total loans | $302,842,670 | 1,391 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 314 |
| Cost of funding earning assets | 0.9265% | 865 |
| Net interest margin | 4.6740% | 496 |
| Noninterest income to average assets | 5.1769% | 141 |
| Noninterest expense to average assets | 4.3811% | 586 |
| Loan and lease loss provision to assets | 1.1727% | 137 |
| Net operating income to assets | 2.2431% | 225 |
| Return on assets (ROA) | 2.2900% | 228 |
| Pretax return on assets | 3.7722% | 95 |
| Return on Equity (ROE) | 20.4289% | 267 |
| Retained earnings to average equity (ytd only) | 20.4289% | 125 |
| Net charge-offs to loans | 2.8695% | 126 |
| Credit loss provision to net charge-offs | 53.4585% | 2,555 |
| Earnings coverage of net charge-offs (x) | 2.2208% | 3,099 |
| Efficiency ratio | 47.2198% | 6,645 |
| Assets per employee ($millions) | 4.2559% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0690% | 611 |
| Loan loss allowance to noncurrent loans | 78.2133% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 7.3610% | 369 |
| Noncurrent loans to loans | 3.9239% | 1,163 |
| Net loans and leases to total assets | 75.9428% | 849 |
| Net loans and leases to deposits | 90.5035% | 917 |
| Net loans and leases to core deposits | 105.3697% | 665 |
| Total domestic deposits to total assets | 83.9114% | 4,517 |
| Equity capital to assets | 11.5560% | 2,362 |
| Core capital (leverage) ratio | 11.1494% | 2,138 |
| Tier 1 risk-based capital ratio | 13.5747% | 4,816 |
| Total risk-based capital ratio | 14.8450% | 4,765 |
| Memoranda: | ||
| Average total assets | $398,072,500 | 1,681 |
| Average earning assets | $347,111,000 | 1,749 |
| Average equity | $44,623,000 | 1,603 |
| Average total loans | $304,307,500 | 1,391 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6775% | 449 |
| Cost of funding earning assets | 1.2305% | 500 |
| Net interest margin | 4.4470% | 1,056 |
| Noninterest income to average assets | 3.6138% | 201 |
| Noninterest expense to average assets | 4.6554% | 496 |
| Loan and lease loss provision to assets | 2.0405% | 97 |
| Net operating income to assets | 0.5004% | 4,693 |
| Return on assets (ROA) | 0.5389% | 4,779 |
| Pretax return on assets | 0.8856% | 3,971 |
| Return on Equity (ROE) | 5.3133% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.7417% | 2,888 |
| Net charge-offs to loans | 3.5248% | 106 |
| Credit loss provision to net charge-offs | 77.5452% | 3,911 |
| Earnings coverage of net charge-offs (x) | 1.0891% | 4,913 |
| Efficiency ratio | 61.6810% | 5,286 |
| Assets per employee ($millions) | 4.3048% | 3,347 |
| Cash dividends to net income (ytd only)* | 10.7575% | 4,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5285% | 417 |
| Loan loss allowance to noncurrent loans | 120.1986% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 6.6903% | 479 |
| Noncurrent loans to loans | 2.9355% | 1,782 |
| Net loans and leases to total assets | 71.9337% | 1,502 |
| Net loans and leases to deposits | 85.0387% | 1,633 |
| Net loans and leases to core deposits | 97.9114% | 1,153 |
| Total domestic deposits to total assets | 84.5894% | 4,047 |
| Equity capital to assets | 10.8675% | 3,107 |
| Core capital (leverage) ratio | 10.6789% | 2,568 |
| Tier 1 risk-based capital ratio | 13.2817% | 4,913 |
| Total risk-based capital ratio | 14.5572% | 4,837 |
| Memoranda: | ||
| Average total assets | $413,969,400 | 1,583 |
| Average earning assets | $363,753,000 | 1,645 |
| Average equity | $41,988,800 | 1,658 |
| Average total loans | $309,036,400 | 1,360 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5061% | 671 |
| Cost of funding earning assets | 1.3141% | 412 |
| Net interest margin | 4.1919% | 1,762 |
| Noninterest income to average assets | 3.3124% | 222 |
| Noninterest expense to average assets | 4.4787% | 547 |
| Loan and lease loss provision to assets | 2.1163% | 101 |
| Net operating income to assets | 0.2510% | 5,779 |
| Return on assets (ROA) | 0.3019% | 5,812 |
| Pretax return on assets | 0.4948% | 5,481 |
| Return on Equity (ROE) | 3.0281% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.2591% | 5,210 |
| Net charge-offs to loans | 3.3394% | 148 |
| Credit loss provision to net charge-offs | 84.8706% | 3,465 |
| Earnings coverage of net charge-offs (x) | 1.0152% | 4,811 |
| Efficiency ratio | 63.6455% | 4,863 |
| Assets per employee ($millions) | 4.4332% | 3,028 |
| Cash dividends to net income (ytd only)* | 25.3966% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9982% | 310 |
| Loan loss allowance to noncurrent loans | 58.0268% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 8.7525% | 321 |
| Noncurrent loans to loans | 6.8902% | 531 |
| Net loans and leases to total assets | 71.7998% | 1,586 |
| Net loans and leases to deposits | 85.9221% | 1,611 |
| Net loans and leases to core deposits | 97.8843% | 1,270 |
| Total domestic deposits to total assets | 83.5638% | 4,405 |
| Equity capital to assets | 10.6818% | 3,624 |
| Core capital (leverage) ratio | 9.9499% | 3,613 |
| Tier 1 risk-based capital ratio | 13.0063% | 5,247 |
| Total risk-based capital ratio | 14.2870% | 5,169 |
| Memoranda: | ||
| Average total assets | $417,376,250 | 1,590 |
| Average earning assets | $368,189,500 | 1,640 |
| Average equity | $41,609,250 | 1,689 |
| Average total loans | $311,667,000 | 1,356 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3796% | 906 |
| Cost of funding earning assets | 1.3650% | 399 |
| Net interest margin | 4.0145% | 2,439 |
| Noninterest income to average assets | 2.6133% | 282 |
| Noninterest expense to average assets | 4.0764% | 858 |
| Loan and lease loss provision to assets | 1.8405% | 172 |
| Net operating income to assets | 0.1473% | 6,050 |
| Return on assets (ROA) | 0.1473% | 6,218 |
| Pretax return on assets | 0.2395% | 6,077 |
| Return on Equity (ROE) | 1.5110% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.3524% | 5,928 |
| Net charge-offs to loans | 1.6009% | 588 |
| Credit loss provision to net charge-offs | 154.0370% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1.7408% | 4,112 |
| Efficiency ratio | 65.9303% | 4,545 |
| Assets per employee ($millions) | 4.6521% | 2,634 |
| Cash dividends to net income (ytd only)* | 76.6773% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5465% | 221 |
| Loan loss allowance to noncurrent loans | 52.0605% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 10.9126% | 217 |
| Noncurrent loans to loans | 8.7331% | 365 |
| Net loans and leases to total assets | 71.1706% | 1,701 |
| Net loans and leases to deposits | 83.7150% | 1,895 |
| Net loans and leases to core deposits | 98.7153% | 1,199 |
| Total domestic deposits to total assets | 85.0153% | 3,849 |
| Equity capital to assets | 9.8175% | 4,596 |
| Core capital (leverage) ratio | 9.6822% | 3,859 |
| Tier 1 risk-based capital ratio | 12.2015% | 5,796 |
| Total risk-based capital ratio | 13.4894% | 5,747 |
| Memoranda: | ||
| Average total assets | $424,984,670 | 1,569 |
| Average earning assets | $375,086,670 | 1,610 |
| Average equity | $41,430,670 | 1,689 |
| Average total loans | $317,194,330 | 1,337 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 1,091 |
| Cost of funding earning assets | 1.4364% | 370 |
| Net interest margin | 3.8662% | 3,072 |
| Noninterest income to average assets | 2.9892% | 243 |
| Noninterest expense to average assets | 4.0216% | 911 |
| Loan and lease loss provision to assets | 2.0582% | 135 |
| Net operating income to assets | 0.2020% | 5,982 |
| Return on assets (ROA) | 0.2020% | 6,128 |
| Pretax return on assets | 0.3278% | 5,913 |
| Return on Equity (ROE) | 2.0791% | 6,052 |
| Retained earnings to average equity (ytd only) | -0.2418% | 6,036 |
| Net charge-offs to loans | 0.3887% | 2,138 |
| Credit loss provision to net charge-offs | 709.0615% | 497 |
| Earnings coverage of net charge-offs (x) | 8.2201% | 1,987 |
| Efficiency ratio | 62.4835% | 5,193 |
| Assets per employee ($millions) | 4.7321% | 2,609 |
| Cash dividends to net income (ytd only)* | 111.6279% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7257% | 213 |
| Loan loss allowance to noncurrent loans | 58.5863% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 9.8751% | 309 |
| Noncurrent loans to loans | 8.0661% | 479 |
| Net loans and leases to total assets | 70.3504% | 1,697 |
| Net loans and leases to deposits | 82.6932% | 1,835 |
| Net loans and leases to core deposits | 95.7441% | 1,316 |
| Total domestic deposits to total assets | 85.0740% | 4,003 |
| Equity capital to assets | 9.7176% | 4,497 |
| Core capital (leverage) ratio | 9.5350% | 4,004 |
| Tier 1 risk-based capital ratio | 12.2844% | 5,771 |
| Total risk-based capital ratio | 13.5749% | 5,698 |
| Memoranda: | ||
| Average total assets | $425,804,500 | 1,563 |
| Average earning assets | $376,493,500 | 1,611 |
| Average equity | $41,365,000 | 1,678 |
| Average total loans | $317,967,500 | 1,333 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5217% | 1,117 |
| Cost of funding earning assets | 1.6261% | 429 |
| Net interest margin | 3.8956% | 3,357 |
| Noninterest income to average assets | 2.3821% | 289 |
| Noninterest expense to average assets | 3.8244% | 1,300 |
| Loan and lease loss provision to assets | 1.6489% | 422 |
| Net operating income to assets | 0.2494% | 5,426 |
| Return on assets (ROA) | 0.2494% | 5,569 |
| Pretax return on assets | 0.4050% | 5,285 |
| Return on Equity (ROE) | 2.6551% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.6551% | 4,339 |
| Net charge-offs to loans | 1.5713% | 1,007 |
| Credit loss provision to net charge-offs | 135.6481% | 2,211 |
| Earnings coverage of net charge-offs (x) | 1.6896% | 4,506 |
| Efficiency ratio | 64.6919% | 5,007 |
| Assets per employee ($millions) | 5.2558% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0375% | 374 |
| Loan loss allowance to noncurrent loans | 52.6425% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 9.5598% | 359 |
| Noncurrent loans to loans | 7.6697% | 537 |
| Net loans and leases to total assets | 72.4608% | 1,562 |
| Net loans and leases to deposits | 85.3374% | 1,759 |
| Net loans and leases to core deposits | 102.5072% | 996 |
| Total domestic deposits to total assets | 84.9110% | 3,895 |
| Equity capital to assets | 9.7115% | 4,579 |
| Core capital (leverage) ratio | 9.6054% | 3,859 |
| Tier 1 risk-based capital ratio | 12.1528% | 5,723 |
| Total risk-based capital ratio | 13.4356% | 5,674 |
| Memoranda: | ||
| Average total assets | $444,227,200 | 1,471 |
| Average earning assets | $398,678,400 | 1,493 |
| Average equity | $41,730,800 | 1,611 |
| Average total loans | $343,659,000 | 1,235 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5625% | 1,112 |
| Cost of funding earning assets | 1.6717% | 438 |
| Net interest margin | 3.8908% | 3,426 |
| Noninterest income to average assets | 2.7590% | 237 |
| Noninterest expense to average assets | 3.7749% | 1,346 |
| Loan and lease loss provision to assets | 1.4499% | 486 |
| Net operating income to assets | 0.6354% | 3,942 |
| Return on assets (ROA) | 0.6354% | 4,127 |
| Pretax return on assets | 1.0414% | 3,244 |
| Return on Equity (ROE) | 6.8183% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.8183% | 2,067 |
| Net charge-offs to loans | 1.4047% | 1,063 |
| Credit loss provision to net charge-offs | 132.6719% | 2,399 |
| Earnings coverage of net charge-offs (x) | 2.2797% | 3,990 |
| Efficiency ratio | 59.8862% | 5,743 |
| Assets per employee ($millions) | 5.8761% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9375% | 411 |
| Loan loss allowance to noncurrent loans | 48.0213% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 10.5106% | 330 |
| Noncurrent loans to loans | 8.1996% | 528 |
| Net loans and leases to total assets | 70.6735% | 1,948 |
| Net loans and leases to deposits | 83.6134% | 2,060 |
| Net loans and leases to core deposits | 102.2211% | 1,086 |
| Total domestic deposits to total assets | 84.5241% | 3,996 |
| Equity capital to assets | 10.0301% | 4,300 |
| Core capital (leverage) ratio | 9.2962% | 4,459 |
| Tier 1 risk-based capital ratio | 12.3098% | 5,662 |
| Total risk-based capital ratio | 13.5892% | 5,616 |
| Memoranda: | ||
| Average total assets | $448,853,750 | 1,470 |
| Average earning assets | $404,605,500 | 1,488 |
| Average equity | $41,827,500 | 1,611 |
| Average total loans | $349,208,750 | 1,228 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5756% | 1,122 |
| Cost of funding earning assets | 1.6570% | 559 |
| Net interest margin | 3.9186% | 3,221 |
| Noninterest income to average assets | 2.6324% | 250 |
| Noninterest expense to average assets | 3.4151% | 2,218 |
| Loan and lease loss provision to assets | 1.0336% | 829 |
| Net operating income to assets | 1.0585% | 2,011 |
| Return on assets (ROA) | 1.0585% | 2,105 |
| Pretax return on assets | 1.7397% | 973 |
| Return on Equity (ROE) | 11.6324% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.6324% | 571 |
| Net charge-offs to loans | 0.8390% | 1,823 |
| Credit loss provision to net charge-offs | 155.7312% | 1,953 |
| Earnings coverage of net charge-offs (x) | 4.1785% | 2,941 |
| Efficiency ratio | 54.8184% | 6,527 |
| Assets per employee ($millions) | 6.3089% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4476% | 620 |
| Loan loss allowance to noncurrent loans | 37.8354% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 10.9194% | 318 |
| Noncurrent loans to loans | 9.1122% | 454 |
| Net loans and leases to total assets | 72.3625% | 1,714 |
| Net loans and leases to deposits | 84.2938% | 2,066 |
| Net loans and leases to core deposits | 109.3099% | 742 |
| Total domestic deposits to total assets | 85.8456% | 3,412 |
| Equity capital to assets | 9.2740% | 5,180 |
| Core capital (leverage) ratio | 9.1044% | 4,560 |
| Tier 1 risk-based capital ratio | 11.9408% | 5,834 |
| Total risk-based capital ratio | 13.2191% | 5,786 |
| Memoranda: | ||
| Average total assets | $457,445,670 | 1,453 |
| Average earning assets | $415,094,000 | 1,462 |
| Average equity | $41,625,000 | 1,612 |
| Average total loans | $361,858,330 | 1,198 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2849% | 1,918 |
| Cost of funding earning assets | 1.6756% | 620 |
| Net interest margin | 3.6093% | 4,530 |
| Noninterest income to average assets | 2.9630% | 227 |
| Noninterest expense to average assets | 3.2736% | 2,641 |
| Loan and lease loss provision to assets | 0.1430% | 4,221 |
| Net operating income to assets | 1.7293% | 554 |
| Return on assets (ROA) | 1.7293% | 583 |
| Pretax return on assets | 2.8463% | 166 |
| Return on Equity (ROE) | 19.1909% | 386 |
| Retained earnings to average equity (ytd only) | 19.1909% | 191 |
| Net charge-offs to loans | -0.3620% | 7,370 |
| Credit loss provision to net charge-offs | -48.6567% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8913% | 6,862 |
| Assets per employee ($millions) | 6.6208% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0458% | 873 |
| Loan loss allowance to noncurrent loans | 32.3976% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 10.8446% | 347 |
| Noncurrent loans to loans | 9.4014% | 451 |
| Net loans and leases to total assets | 80.4928% | 470 |
| Net loans and leases to deposits | 94.2514% | 802 |
| Net loans and leases to core deposits | 124.0729% | 340 |
| Total domestic deposits to total assets | 85.4022% | 3,836 |
| Equity capital to assets | 9.2066% | 4,862 |
| Core capital (leverage) ratio | 9.1975% | 4,291 |
| Tier 1 risk-based capital ratio | 11.2775% | 6,280 |
| Total risk-based capital ratio | 12.5444% | 6,244 |
| Memoranda: | ||
| Average total assets | $455,894,500 | 1,474 |
| Average earning assets | $416,814,000 | 1,470 |
| Average equity | $41,082,000 | 1,624 |
| Average total loans | $370,205,500 | 1,190 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3913% | 2,712 |
| Cost of funding earning assets | 1.8726% | 933 |
| Net interest margin | 3.5187% | 5,170 |
| Noninterest income to average assets | 2.4477% | 288 |
| Noninterest expense to average assets | 4.1270% | 992 |
| Loan and lease loss provision to assets | 3.7714% | 180 |
| Net operating income to assets | -1.9053% | 7,037 |
| Return on assets (ROA) | -1.8007% | 7,019 |
| Pretax return on assets | -2.1009% | 7,053 |
| Return on Equity (ROE) | -17.6912% | 6,992 |
| Retained earnings to average equity (ytd only) | -17.9286% | 6,968 |
| Net charge-offs to loans | 4.1403% | 296 |
| Credit loss provision to net charge-offs | 115.6711% | 3,733 |
| Earnings coverage of net charge-offs (x) | 0.4751% | 5,635 |
| Efficiency ratio | 49.7006% | 7,148 |
| Assets per employee ($millions) | 6.7903% | 824 |
| Cash dividends to net income (ytd only)* | -1.3416% | 7,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0609% | 826 |
| Loan loss allowance to noncurrent loans | 33.5794% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 9.8127% | 422 |
| Noncurrent loans to loans | 9.1154% | 509 |
| Net loans and leases to total assets | 76.9497% | 1,104 |
| Net loans and leases to deposits | 92.8753% | 1,156 |
| Net loans and leases to core deposits | 124.4137% | 419 |
| Total domestic deposits to total assets | 82.8527% | 4,862 |
| Equity capital to assets | 8.8152% | 5,409 |
| Core capital (leverage) ratio | 8.5656% | 5,250 |
| Tier 1 risk-based capital ratio | 10.7291% | 6,544 |
| Total risk-based capital ratio | 11.9920% | 6,506 |
| Memoranda: | ||
| Average total assets | $467,754,000 | 1,427 |
| Average earning assets | $429,132,000 | 1,411 |
| Average equity | $47,611,200 | 1,404 |
| Average total loans | $368,354,000 | 1,228 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 2,690 |
| Cost of funding earning assets | 1.8795% | 1,089 |
| Net interest margin | 3.5609% | 5,058 |
| Noninterest income to average assets | 2.5689% | 270 |
| Noninterest expense to average assets | 2.6867% | 4,937 |
| Loan and lease loss provision to assets | 3.1965% | 257 |
| Net operating income to assets | -0.0694% | 6,144 |
| Return on assets (ROA) | 0.0337% | 6,052 |
| Pretax return on assets | 0.1127% | 5,896 |
| Return on Equity (ROE) | 0.3206% | 6,049 |
| Retained earnings to average equity (ytd only) | 0.0162% | 5,773 |
| Net charge-offs to loans | 3.4766% | 392 |
| Credit loss provision to net charge-offs | 116.9809% | 3,550 |
| Earnings coverage of net charge-offs (x) | 1.1521% | 4,910 |
| Efficiency ratio | 45.5750% | 7,400 |
| Assets per employee ($millions) | 7.2653% | 690 |
| Cash dividends to net income (ytd only)* | 94.9578% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7701% | 1,025 |
| Loan loss allowance to noncurrent loans | 34.7066% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 8.6099% | 552 |
| Noncurrent loans to loans | 7.9816% | 651 |
| Net loans and leases to total assets | 77.7731% | 1,075 |
| Net loans and leases to deposits | 96.6036% | 918 |
| Net loans and leases to core deposits | 136.6931% | 293 |
| Total domestic deposits to total assets | 80.5074% | 5,541 |
| Equity capital to assets | 10.5151% | 3,492 |
| Core capital (leverage) ratio | 9.0513% | 4,599 |
| Tier 1 risk-based capital ratio | 11.1494% | 6,243 |
| Total risk-based capital ratio | 12.4179% | 6,222 |
| Memoranda: | ||
| Average total assets | $470,954,500 | 1,440 |
| Average earning assets | $431,938,000 | 1,425 |
| Average equity | $49,487,750 | 1,361 |
| Average total loans | $370,158,000 | 1,231 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5337% | 2,392 |
| Cost of funding earning assets | 1.8985% | 1,242 |
| Net interest margin | 3.6351% | 4,662 |
| Noninterest income to average assets | 3.0151% | 220 |
| Noninterest expense to average assets | 2.5250% | 5,628 |
| Loan and lease loss provision to assets | 3.1479% | 306 |
| Net operating income to assets | 0.3501% | 4,974 |
| Return on assets (ROA) | 0.5041% | 4,456 |
| Pretax return on assets | 0.9253% | 3,403 |
| Return on Equity (ROE) | 4.7981% | 4,387 |
| Retained earnings to average equity (ytd only) | 4.7981% | 3,014 |
| Net charge-offs to loans | 3.0706% | 509 |
| Credit loss provision to net charge-offs | 131.1949% | 3,070 |
| Earnings coverage of net charge-offs (x) | 1.5973% | 4,296 |
| Efficiency ratio | 39.2776% | 7,654 |
| Assets per employee ($millions) | 7.4643% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8213% | 979 |
| Loan loss allowance to noncurrent loans | 48.6502% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 6.4241% | 877 |
| Noncurrent loans to loans | 5.7991% | 1,117 |
| Net loans and leases to total assets | 76.4282% | 1,411 |
| Net loans and leases to deposits | 95.4871% | 1,094 |
| Net loans and leases to core deposits | 141.4930% | 274 |
| Total domestic deposits to total assets | 80.0403% | 5,712 |
| Equity capital to assets | 10.6648% | 3,206 |
| Core capital (leverage) ratio | 9.1614% | 4,359 |
| Tier 1 risk-based capital ratio | 11.2949% | 5,945 |
| Total risk-based capital ratio | 12.5626% | 5,916 |
| Memoranda: | ||
| Average total assets | $472,947,000 | 1,441 |
| Average earning assets | $434,866,000 | 1,430 |
| Average equity | $49,686,000 | 1,346 |
| Average total loans | $369,567,330 | 1,243 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4545% | 2,807 |
| Cost of funding earning assets | 1.9181% | 1,381 |
| Net interest margin | 3.5364% | 5,011 |
| Noninterest income to average assets | 1.4860% | 540 |
| Noninterest expense to average assets | 2.3622% | 6,204 |
| Loan and lease loss provision to assets | 1.7322% | 653 |
| Net operating income to assets | 0.2714% | 5,415 |
| Return on assets (ROA) | 0.5785% | 4,135 |
| Pretax return on assets | 1.1352% | 2,607 |
| Return on Equity (ROE) | 5.5486% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.5486% | 2,844 |
| Net charge-offs to loans | 0.6280% | 2,250 |
| Credit loss provision to net charge-offs | 354.1379% | 1,142 |
| Earnings coverage of net charge-offs (x) | 4.8810% | 2,521 |
| Efficiency ratio | 49.1300% | 7,369 |
| Assets per employee ($millions) | 7.2987% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7510% | 1,034 |
| Loan loss allowance to noncurrent loans | 61.4336% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 5.1086% | 1,245 |
| Noncurrent loans to loans | 4.4780% | 1,671 |
| Net loans and leases to total assets | 74.4043% | 1,884 |
| Net loans and leases to deposits | 90.4387% | 1,839 |
| Net loans and leases to core deposits | 131.6583% | 447 |
| Total domestic deposits to total assets | 82.2704% | 4,945 |
| Equity capital to assets | 10.3057% | 3,466 |
| Core capital (leverage) ratio | 8.9912% | 4,588 |
| Tier 1 risk-based capital ratio | 10.9649% | 6,196 |
| Total risk-based capital ratio | 12.2320% | 6,143 |
| Memoranda: | ||
| Average total assets | $474,296,500 | 1,478 |
| Average earning assets | $437,731,500 | 1,455 |
| Average equity | $49,453,500 | 1,355 |
| Average total loans | $369,433,000 | 1,284 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 3,624 |
| Cost of funding earning assets | 2.0405% | 2,769 |
| Net interest margin | 3.5569% | 4,711 |
| Noninterest income to average assets | 2.4199% | 287 |
| Noninterest expense to average assets | 2.3013% | 6,745 |
| Loan and lease loss provision to assets | 2.5770% | 761 |
| Net operating income to assets | 0.5299% | 3,607 |
| Return on assets (ROA) | 0.6238% | 3,298 |
| Pretax return on assets | 1.0163% | 2,535 |
| Return on Equity (ROE) | 6.4266% | 3,024 |
| Retained earnings to average equity (ytd only) | 6.4266% | 1,179 |
| Net charge-offs to loans | 2.2256% | 1,065 |
| Credit loss provision to net charge-offs | 144.0433% | 3,320 |
| Earnings coverage of net charge-offs (x) | 1.9265% | 4,279 |
| Efficiency ratio | 39.5629% | 7,867 |
| Assets per employee ($millions) | 7.2950% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3399% | 1,418 |
| Loan loss allowance to noncurrent loans | 56.7378% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 4.6766% | 1,363 |
| Noncurrent loans to loans | 4.1241% | 1,783 |
| Net loans and leases to total assets | 77.4603% | 1,492 |
| Net loans and leases to deposits | 92.9137% | 1,747 |
| Net loans and leases to core deposits | 124.6264% | 1,600 |
| Total domestic deposits to total assets | 83.3681% | 4,348 |
| Equity capital to assets | 10.5516% | 3,127 |
| Core capital (leverage) ratio | 8.2724% | 5,670 |
| Tier 1 risk-based capital ratio | 10.5770% | 6,315 |
| Total risk-based capital ratio | 11.8386% | 6,289 |
| Memoranda: | ||
| Average total assets | $479,985,400 | 1,444 |
| Average earning assets | $449,095,200 | 1,407 |
| Average equity | $46,587,600 | 1,447 |
| Average total loans | $385,836,600 | 1,247 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5548% | 4,124 |
| Cost of funding earning assets | 2.0217% | 3,248 |
| Net interest margin | 3.5332% | 4,729 |
| Noninterest income to average assets | 2.1443% | 329 |
| Noninterest expense to average assets | 2.2113% | 6,945 |
| Loan and lease loss provision to assets | 2.2952% | 742 |
| Net operating income to assets | 0.5789% | 3,685 |
| Return on assets (ROA) | 0.6544% | 3,446 |
| Pretax return on assets | 1.0732% | 2,660 |
| Return on Equity (ROE) | 6.8874% | 3,126 |
| Retained earnings to average equity (ytd only) | 6.8874% | 1,553 |
| Net charge-offs to loans | 1.9203% | 1,040 |
| Credit loss provision to net charge-offs | 148.2095% | 3,260 |
| Earnings coverage of net charge-offs (x) | 2.0989% | 4,246 |
| Efficiency ratio | 39.8868% | 7,926 |
| Assets per employee ($millions) | 9.0899% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9462% | 1,909 |
| Loan loss allowance to noncurrent loans | 65.2585% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.8486% | 2,442 |
| Noncurrent loans to loans | 2.9823% | 2,535 |
| Net loans and leases to total assets | 66.8636% | 4,222 |
| Net loans and leases to deposits | 76.4024% | 4,972 |
| Net loans and leases to core deposits | 90.3126% | 5,402 |
| Total domestic deposits to total assets | 87.5150% | 1,877 |
| Equity capital to assets | 8.3423% | 6,454 |
| Core capital (leverage) ratio | 8.4972% | 5,499 |
| Tier 1 risk-based capital ratio | 10.0620% | 6,912 |
| Total risk-based capital ratio | 11.3198% | 6,858 |
| Memoranda: | ||
| Average total assets | $483,262,000 | 1,448 |
| Average earning assets | $453,742,500 | 1,406 |
| Average equity | $45,918,750 | 1,491 |
| Average total loans | $389,718,000 | 1,247 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 3,146 |
| Cost of funding earning assets | 2.2538% | 2,557 |
| Net interest margin | 3.5244% | 4,679 |
| Noninterest income to average assets | 1.8903% | 408 |
| Noninterest expense to average assets | 2.2282% | 6,978 |
| Loan and lease loss provision to assets | 2.1576% | 740 |
| Net operating income to assets | 0.4962% | 4,102 |
| Return on assets (ROA) | 0.4962% | 4,229 |
| Pretax return on assets | 0.8102% | 3,639 |
| Return on Equity (ROE) | 4.9668% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.9668% | 2,530 |
| Net charge-offs to loans | 1.8924% | 994 |
| Credit loss provision to net charge-offs | 132.7544% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.8261% | 4,200 |
| Efficiency ratio | 42.1951% | 7,971 |
| Assets per employee ($millions) | 7.2367% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 2,824 |
| Loan loss allowance to noncurrent loans | 50.0696% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 3.8809% | 1,553 |
| Noncurrent loans to loans | 3.1565% | 2,263 |
| Net loans and leases to total assets | 78.5130% | 1,634 |
| Net loans and leases to deposits | 92.8220% | 2,315 |
| Net loans and leases to core deposits | 112.6577% | 3,059 |
| Total domestic deposits to total assets | 84.5845% | 3,460 |
| Equity capital to assets | 9.7055% | 4,343 |
| Core capital (leverage) ratio | 8.5586% | 5,339 |
| Tier 1 risk-based capital ratio | 9.6896% | 7,238 |
| Total risk-based capital ratio | 10.9428% | 7,177 |
| Memoranda: | ||
| Average total assets | $453,461,670 | 1,560 |
| Average earning assets | $425,322,670 | 1,522 |
| Average equity | $45,300,670 | 1,518 |
| Average total loans | $389,456,330 | 1,273 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8769% | 2,908 |
| Cost of funding earning assets | 2.4275% | 2,184 |
| Net interest margin | 3.4495% | 4,941 |
| Noninterest income to average assets | 0.7602% | 2,540 |
| Noninterest expense to average assets | 2.1153% | 7,080 |
| Loan and lease loss provision to assets | 1.6127% | 774 |
| Net operating income to assets | 0.1745% | 5,738 |
| Return on assets (ROA) | 0.1745% | 5,907 |
| Pretax return on assets | 0.2796% | 5,731 |
| Return on Equity (ROE) | 1.7199% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.7199% | 4,887 |
| Net charge-offs to loans | 0.8148% | 1,591 |
| Credit loss provision to net charge-offs | 221.7337% | 2,043 |
| Earnings coverage of net charge-offs (x) | 2.6018% | 3,457 |
| Efficiency ratio | 51.8468% | 7,436 |
| Assets per employee ($millions) | 6.9681% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 3,075 |
| Loan loss allowance to noncurrent loans | 47.7726% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.3917% | 1,604 |
| Noncurrent loans to loans | 3.1033% | 2,084 |
| Net loans and leases to total assets | 86.5351% | 382 |
| Net loans and leases to deposits | 103.2133% | 1,068 |
| Net loans and leases to core deposits | 122.2620% | 2,233 |
| Total domestic deposits to total assets | 83.8410% | 3,777 |
| Equity capital to assets | 10.1173% | 3,871 |
| Core capital (leverage) ratio | 9.2016% | 4,394 |
| Tier 1 risk-based capital ratio | 9.8889% | 7,051 |
| Total risk-based capital ratio | 11.1419% | 6,938 |
| Memoranda: | ||
| Average total assets | $437,764,000 | 1,626 |
| Average earning assets | $412,119,000 | 1,578 |
| Average equity | $44,422,000 | 1,542 |
| Average total loans | $390,790,000 | 1,277 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9307% | 1,310 |
| Cost of funding earning assets | 3.3808% | 737 |
| Net interest margin | 3.5499% | 5,097 |
| Noninterest income to average assets | 1.3070% | 855 |
| Noninterest expense to average assets | 2.6089% | 5,614 |
| Loan and lease loss provision to assets | 0.9476% | 1,559 |
| Net operating income to assets | 0.6536% | 4,090 |
| Return on assets (ROA) | 0.6536% | 3,944 |
| Pretax return on assets | 1.0720% | 3,130 |
| Return on Equity (ROE) | 6.2104% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.2104% | 1,428 |
| Net charge-offs to loans | 0.4446% | 2,605 |
| Credit loss provision to net charge-offs | 246.7532% | 1,887 |
| Earnings coverage of net charge-offs (x) | 5.2590% | 3,713 |
| Efficiency ratio | 55.2649% | 7,112 |
| Assets per employee ($millions) | 6.6032% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 3,843 |
| Loan loss allowance to noncurrent loans | 57.7941% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 2.0296% | 2,424 |
| Noncurrent loans to loans | 2.2351% | 2,463 |
| Net loans and leases to total assets | 89.6316% | 223 |
| Net loans and leases to deposits | 107.9061% | 982 |
| Net loans and leases to core deposits | 132.9634% | 1,651 |
| Total domestic deposits to total assets | 83.0645% | 3,739 |
| Equity capital to assets | 10.1798% | 3,830 |
| Core capital (leverage) ratio | 9.3495% | 4,231 |
| Tier 1 risk-based capital ratio | 9.4434% | 7,371 |
| Total risk-based capital ratio | 10.6943% | 7,283 |
| Memoranda: | ||
| Average total assets | $360,912,800 | 1,859 |
| Average earning assets | $337,702,200 | 1,824 |
| Average equity | $37,984,800 | 1,779 |
| Average total loans | $311,733,400 | 1,552 |