Home > Savings Institute Bank and Trust Company > Performance and Condition Ratios
Savings Institute Bank and Trust Company, 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 | 4.0782% | 4,187 |
| Cost of funding earning assets | 1.0768% | 1,268 |
| Net interest margin | 3.0014% | 4,747 |
| Noninterest income to average assets | 0.6539% | 1,807 |
| Noninterest expense to average assets | 2.2858% | 4,060 |
| Loan and lease loss provision to assets | 0.1247% | 1,405 |
| Net operating income to assets | 0.7863% | 3,668 |
| Return on assets (ROA) | 0.7863% | 3,714 |
| Pretax return on assets | 1.0196% | 3,382 |
| Return on Equity (ROE) | 7.6792% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.6792% | 1,779 |
| Net charge-offs to loans | -0.0039% | 3,967 |
| Credit loss provision to net charge-offs | -3,984.6154% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5857% | 2,996 |
| Assets per employee ($millions) | 5.8816% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,903 |
| Loan loss allowance to noncurrent loans | 187.4215% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 2,632 |
| Noncurrent loans to loans | 0.6090% | 2,512 |
| Net loans and leases to total assets | 78.3358% | 1,101 |
| Net loans and leases to deposits | 99.7533% | 655 |
| Net loans and leases to core deposits | 109.6728% | 950 |
| Total domestic deposits to total assets | 78.5296% | 4,426 |
| Equity capital to assets | 10.2458% | 3,577 |
| Core capital (leverage) ratio | 9.6824% | 3,938 |
| Tier 1 risk-based capital ratio | 12.8871% | 3,936 |
| Total risk-based capital ratio | 14.1375% | 3,833 |
| Memoranda: | ||
| Average total assets | $1,661,377,000 | 512 |
| Average earning assets | $1,536,771,000 | 503 |
| Average equity | $170,121,000 | 538 |
| Average total loans | $1,331,134,000 | 451 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 4,206 |
| Cost of funding earning assets | 0.8710% | 1,216 |
| Net interest margin | 3.0613% | 4,712 |
| Noninterest income to average assets | 0.6536% | 2,033 |
| Noninterest expense to average assets | 2.4656% | 3,712 |
| Loan and lease loss provision to assets | 0.1969% | 961 |
| Net operating income to assets | 0.6516% | 4,280 |
| Return on assets (ROA) | 0.6516% | 4,289 |
| Pretax return on assets | 0.8218% | 4,111 |
| Return on Equity (ROE) | 6.3751% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.3751% | 1,989 |
| Net charge-offs to loans | 0.0619% | 2,240 |
| Credit loss provision to net charge-offs | 395.3459% | 831 |
| Earnings coverage of net charge-offs (x) | 20.4516% | 1,999 |
| Efficiency ratio | 69.6812% | 2,244 |
| Assets per employee ($millions) | 5.7165% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 3,073 |
| Loan loss allowance to noncurrent loans | 149.5417% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 2,116 |
| Noncurrent loans to loans | 0.7386% | 2,149 |
| Net loans and leases to total assets | 80.1319% | 922 |
| Net loans and leases to deposits | 101.5706% | 622 |
| Net loans and leases to core deposits | 110.5864% | 966 |
| Total domestic deposits to total assets | 78.8928% | 4,334 |
| Equity capital to assets | 10.2335% | 3,439 |
| Core capital (leverage) ratio | 9.5824% | 4,024 |
| Tier 1 risk-based capital ratio | 12.8835% | 3,912 |
| Total risk-based capital ratio | 14.1338% | 3,806 |
| Memoranda: | ||
| Average total assets | $1,595,967,200 | 518 |
| Average earning assets | $1,475,723,800 | 508 |
| Average equity | $163,135,800 | 537 |
| Average total loans | $1,283,969,000 | 452 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 4,269 |
| Cost of funding earning assets | 0.8261% | 1,214 |
| Net interest margin | 3.0487% | 4,782 |
| Noninterest income to average assets | 0.6599% | 2,026 |
| Noninterest expense to average assets | 2.4697% | 3,677 |
| Loan and lease loss provision to assets | 0.1701% | 1,098 |
| Net operating income to assets | 0.6619% | 4,338 |
| Return on assets (ROA) | 0.6619% | 4,352 |
| Pretax return on assets | 0.8381% | 4,200 |
| Return on Equity (ROE) | 6.4769% | 4,112 |
| Retained earnings to average equity (ytd only) | 6.4769% | 2,398 |
| Net charge-offs to loans | 0.0135% | 2,944 |
| Credit loss provision to net charge-offs | 1,567.4419% | 260 |
| Earnings coverage of net charge-offs (x) | 92.8969% | 796 |
| Efficiency ratio | 69.9202% | 2,198 |
| Assets per employee ($millions) | 5.4488% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,184 |
| Loan loss allowance to noncurrent loans | 169.0671% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 2,495 |
| Noncurrent loans to loans | 0.6512% | 2,460 |
| Net loans and leases to total assets | 80.0460% | 1,012 |
| Net loans and leases to deposits | 101.9178% | 656 |
| Net loans and leases to core deposits | 110.2721% | 1,016 |
| Total domestic deposits to total assets | 78.5398% | 4,397 |
| Equity capital to assets | 10.2732% | 3,368 |
| Core capital (leverage) ratio | 9.6091% | 4,046 |
| Tier 1 risk-based capital ratio | 13.0234% | 3,890 |
| Total risk-based capital ratio | 14.2737% | 3,803 |
| Memoranda: | ||
| Average total assets | $1,584,802,250 | 513 |
| Average earning assets | $1,464,876,750 | 507 |
| Average equity | $161,946,250 | 535 |
| Average total loans | $1,272,624,500 | 449 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 4,350 |
| Cost of funding earning assets | 0.7855% | 1,200 |
| Net interest margin | 3.0125% | 4,860 |
| Noninterest income to average assets | 0.6251% | 2,203 |
| Noninterest expense to average assets | 2.4695% | 3,720 |
| Loan and lease loss provision to assets | 0.1282% | 1,549 |
| Net operating income to assets | 0.6415% | 4,372 |
| Return on assets (ROA) | 0.6415% | 4,380 |
| Pretax return on assets | 0.8126% | 4,210 |
| Return on Equity (ROE) | 6.2893% | 4,142 |
| Retained earnings to average equity (ytd only) | 6.2893% | 2,425 |
| Net charge-offs to loans | 0.0177% | 2,558 |
| Credit loss provision to net charge-offs | 904.4643% | 447 |
| Earnings coverage of net charge-offs (x) | 66.3929% | 941 |
| Efficiency ratio | 71.2977% | 2,118 |
| Assets per employee ($millions) | 5.7199% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 3,582 |
| Loan loss allowance to noncurrent loans | 167.4892% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 2,614 |
| Noncurrent loans to loans | 0.6219% | 2,555 |
| Net loans and leases to total assets | 79.3579% | 1,115 |
| Net loans and leases to deposits | 102.1025% | 654 |
| Net loans and leases to core deposits | 109.9039% | 1,012 |
| Total domestic deposits to total assets | 77.7237% | 4,630 |
| Equity capital to assets | 10.1941% | 3,447 |
| Core capital (leverage) ratio | 9.4271% | 4,205 |
| Tier 1 risk-based capital ratio | 13.1780% | 3,806 |
| Total risk-based capital ratio | 14.4028% | 3,731 |
| Memoranda: | ||
| Average total assets | $1,580,904,000 | 516 |
| Average earning assets | $1,461,561,330 | 509 |
| Average equity | $161,257,670 | 538 |
| Average total loans | $1,266,113,000 | 454 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 4,323 |
| Cost of funding earning assets | 0.7649% | 1,125 |
| Net interest margin | 2.9960% | 4,887 |
| Noninterest income to average assets | 0.5894% | 2,320 |
| Noninterest expense to average assets | 2.4882% | 3,683 |
| Loan and lease loss provision to assets | 0.1836% | 928 |
| Net operating income to assets | 0.5418% | 4,601 |
| Return on assets (ROA) | 0.5418% | 4,605 |
| Pretax return on assets | 0.6867% | 4,479 |
| Return on Equity (ROE) | 5.3100% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.3100% | 3,034 |
| Net charge-offs to loans | 0.0174% | 2,164 |
| Credit loss provision to net charge-offs | 1,318.1818% | 274 |
| Earnings coverage of net charge-offs (x) | 62.4727% | 823 |
| Efficiency ratio | 72.9542% | 2,048 |
| Assets per employee ($millions) | 5.6702% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,849 |
| Loan loss allowance to noncurrent loans | 164.5035% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 2,629 |
| Noncurrent loans to loans | 0.6189% | 2,685 |
| Net loans and leases to total assets | 79.6288% | 988 |
| Net loans and leases to deposits | 102.9716% | 537 |
| Net loans and leases to core deposits | 111.3478% | 926 |
| Total domestic deposits to total assets | 77.3308% | 4,826 |
| Equity capital to assets | 10.1888% | 3,407 |
| Core capital (leverage) ratio | 9.5182% | 4,049 |
| Tier 1 risk-based capital ratio | 13.4841% | 3,660 |
| Total risk-based capital ratio | 14.7162% | 3,593 |
| Memoranda: | ||
| Average total assets | $1,579,149,500 | 523 |
| Average earning assets | $1,459,569,500 | 513 |
| Average equity | $161,128,500 | 539 |
| Average total loans | $1,263,873,500 | 458 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 4,348 |
| Cost of funding earning assets | 0.7539% | 806 |
| Net interest margin | 2.9409% | 4,986 |
| Noninterest income to average assets | 0.6826% | 2,040 |
| Noninterest expense to average assets | 2.4749% | 3,864 |
| Loan and lease loss provision to assets | 0.0421% | 3,413 |
| Net operating income to assets | 0.3561% | 4,815 |
| Return on assets (ROA) | 0.3561% | 4,835 |
| Pretax return on assets | 0.8943% | 3,942 |
| Return on Equity (ROE) | 3.5082% | 4,685 |
| Retained earnings to average equity (ytd only) | 2.9909% | 3,507 |
| Net charge-offs to loans | 0.0118% | 3,668 |
| Credit loss provision to net charge-offs | 449.6599% | 701 |
| Earnings coverage of net charge-offs (x) | 100.0884% | 644 |
| Efficiency ratio | 71.4307% | 2,314 |
| Assets per employee ($millions) | 5.8172% | 1,642 |
| Cash dividends to net income (ytd only)* | 14.7453% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 4,023 |
| Loan loss allowance to noncurrent loans | 192.5984% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 2,938 |
| Noncurrent loans to loans | 0.5121% | 2,980 |
| Net loans and leases to total assets | 78.8326% | 1,151 |
| Net loans and leases to deposits | 101.8751% | 613 |
| Net loans and leases to core deposits | 110.0521% | 1,001 |
| Total domestic deposits to total assets | 77.3816% | 4,814 |
| Equity capital to assets | 10.2184% | 3,472 |
| Core capital (leverage) ratio | 9.3995% | 4,157 |
| Tier 1 risk-based capital ratio | 13.8100% | 3,468 |
| Total risk-based capital ratio | 15.0160% | 3,403 |
| Memoranda: | ||
| Average total assets | $1,571,360,200 | 495 |
| Average earning assets | $1,457,968,400 | 489 |
| Average equity | $159,481,400 | 519 |
| Average total loans | $1,244,561,600 | 448 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,378 |
| Cost of funding earning assets | 0.7528% | 746 |
| Net interest margin | 2.9242% | 5,058 |
| Noninterest income to average assets | 0.7043% | 1,979 |
| Noninterest expense to average assets | 2.4857% | 3,785 |
| Loan and lease loss provision to assets | 0.0425% | 3,256 |
| Net operating income to assets | 0.5969% | 4,406 |
| Return on assets (ROA) | 0.5969% | 4,443 |
| Pretax return on assets | 0.8928% | 4,063 |
| Return on Equity (ROE) | 5.8908% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.8908% | 2,311 |
| Net charge-offs to loans | 0.0112% | 3,331 |
| Credit loss provision to net charge-offs | 481.7308% | 664 |
| Earnings coverage of net charge-offs (x) | 106.0025% | 667 |
| Efficiency ratio | 71.5423% | 2,273 |
| Assets per employee ($millions) | 5.8506% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 4,161 |
| Loan loss allowance to noncurrent loans | 335.0795% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 3,701 |
| Noncurrent loans to loans | 0.2936% | 3,891 |
| Net loans and leases to total assets | 78.1225% | 1,246 |
| Net loans and leases to deposits | 100.8513% | 686 |
| Net loans and leases to core deposits | 109.4715% | 1,057 |
| Total domestic deposits to total assets | 77.4631% | 4,811 |
| Equity capital to assets | 10.3739% | 3,511 |
| Core capital (leverage) ratio | 9.5191% | 4,143 |
| Tier 1 risk-based capital ratio | 14.4205% | 3,228 |
| Total risk-based capital ratio | 15.6508% | 3,156 |
| Memoranda: | ||
| Average total assets | $1,571,537,000 | 501 |
| Average earning assets | $1,460,030,000 | 492 |
| Average equity | $159,228,000 | 522 |
| Average total loans | $1,243,072,000 | 450 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6542% | 4,353 |
| Cost of funding earning assets | 0.7520% | 681 |
| Net interest margin | 2.9022% | 5,092 |
| Noninterest income to average assets | 0.7463% | 1,784 |
| Noninterest expense to average assets | 2.5345% | 3,631 |
| Loan and lease loss provision to assets | 0.0420% | 3,159 |
| Net operating income to assets | 0.5944% | 4,330 |
| Return on assets (ROA) | 0.5944% | 4,378 |
| Pretax return on assets | 0.8645% | 4,062 |
| Return on Equity (ROE) | 5.9133% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.9133% | 2,169 |
| Net charge-offs to loans | 0.0005% | 3,503 |
| Credit loss provision to net charge-offs | 11,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 2,373.3333% | 17 |
| Efficiency ratio | 72.5413% | 2,255 |
| Assets per employee ($millions) | 5.8291% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 4,278 |
| Loan loss allowance to noncurrent loans | 258.2819% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 3,667 |
| Noncurrent loans to loans | 0.3788% | 3,667 |
| Net loans and leases to total assets | 77.5484% | 1,309 |
| Net loans and leases to deposits | 101.7700% | 623 |
| Net loans and leases to core deposits | 110.5644% | 981 |
| Total domestic deposits to total assets | 76.1997% | 5,067 |
| Equity capital to assets | 10.1332% | 3,757 |
| Core capital (leverage) ratio | 9.3190% | 4,345 |
| Tier 1 risk-based capital ratio | 14.2710% | 3,281 |
| Total risk-based capital ratio | 15.5026% | 3,206 |
| Memoranda: | ||
| Average total assets | $1,570,776,330 | 503 |
| Average earning assets | $1,458,550,670 | 495 |
| Average equity | $157,881,670 | 528 |
| Average total loans | $1,243,521,330 | 451 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 4,322 |
| Cost of funding earning assets | 0.7409% | 692 |
| Net interest margin | 2.8935% | 5,097 |
| Noninterest income to average assets | 0.6243% | 2,298 |
| Noninterest expense to average assets | 2.5856% | 3,545 |
| Loan and lease loss provision to assets | 0.0409% | 2,988 |
| Net operating income to assets | 0.4680% | 4,715 |
| Return on assets (ROA) | 0.4680% | 4,737 |
| Pretax return on assets | 0.6824% | 4,498 |
| Return on Equity (ROE) | 4.6751% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.6751% | 3,070 |
| Net charge-offs to loans | -0.0064% | 4,258 |
| Credit loss provision to net charge-offs | -800.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9814% | 1,759 |
| Assets per employee ($millions) | 5.7156% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 4,517 |
| Loan loss allowance to noncurrent loans | 239.5688% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 3,596 |
| Noncurrent loans to loans | 0.3991% | 3,662 |
| Net loans and leases to total assets | 78.5203% | 1,050 |
| Net loans and leases to deposits | 104.7281% | 371 |
| Net loans and leases to core deposits | 113.7899% | 686 |
| Total domestic deposits to total assets | 74.9754% | 5,335 |
| Equity capital to assets | 9.9487% | 3,815 |
| Core capital (leverage) ratio | 9.2199% | 4,453 |
| Tier 1 risk-based capital ratio | 13.8496% | 3,576 |
| Total risk-based capital ratio | 15.0562% | 3,510 |
| Memoranda: | ||
| Average total assets | $1,563,403,000 | 506 |
| Average earning assets | $1,450,576,500 | 498 |
| Average equity | $156,490,000 | 528 |
| Average total loans | $1,244,434,500 | 448 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 4,437 |
| Cost of funding earning assets | 0.7185% | 748 |
| Net interest margin | 2.9122% | 5,117 |
| Noninterest income to average assets | 0.6645% | 2,346 |
| Noninterest expense to average assets | 2.5527% | 3,830 |
| Loan and lease loss provision to assets | 0.1448% | 1,725 |
| Net operating income to assets | 0.4535% | 4,785 |
| Return on assets (ROA) | 0.4560% | 4,858 |
| Pretax return on assets | 0.6666% | 4,601 |
| Return on Equity (ROE) | 4.4993% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.0555% | 3,032 |
| Net charge-offs to loans | 0.0195% | 3,666 |
| Credit loss provision to net charge-offs | 939.9142% | 402 |
| Earnings coverage of net charge-offs (x) | 52.4206% | 981 |
| Efficiency ratio | 74.7786% | 2,166 |
| Assets per employee ($millions) | 5.5128% | 1,859 |
| Cash dividends to net income (ytd only)* | 9.8636% | 4,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,538 |
| Loan loss allowance to noncurrent loans | 217.5594% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 3,478 |
| Noncurrent loans to loans | 0.4404% | 3,566 |
| Net loans and leases to total assets | 79.1598% | 1,016 |
| Net loans and leases to deposits | 106.6445% | 315 |
| Net loans and leases to core deposits | 115.4556% | 639 |
| Total domestic deposits to total assets | 74.2278% | 5,424 |
| Equity capital to assets | 10.0720% | 3,648 |
| Core capital (leverage) ratio | 9.4060% | 4,217 |
| Tier 1 risk-based capital ratio | 14.1744% | 3,363 |
| Total risk-based capital ratio | 15.4022% | 3,301 |
| Memoranda: | ||
| Average total assets | $1,511,969,800 | 505 |
| Average earning assets | $1,399,724,800 | 497 |
| Average equity | $153,224,600 | 520 |
| Average total loans | $1,193,882,000 | 442 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,456 |
| Cost of funding earning assets | 0.7194% | 742 |
| Net interest margin | 2.9139% | 5,161 |
| Noninterest income to average assets | 0.6866% | 2,228 |
| Noninterest expense to average assets | 2.5614% | 3,789 |
| Loan and lease loss provision to assets | 0.1572% | 1,475 |
| Net operating income to assets | 0.4459% | 4,886 |
| Return on assets (ROA) | 0.4492% | 4,963 |
| Pretax return on assets | 0.6704% | 4,687 |
| Return on Equity (ROE) | 4.4253% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.4253% | 3,183 |
| Net charge-offs to loans | 0.0186% | 3,342 |
| Credit loss provision to net charge-offs | 1,074.5455% | 381 |
| Earnings coverage of net charge-offs (x) | 56.2496% | 1,001 |
| Efficiency ratio | 74.5075% | 2,190 |
| Assets per employee ($millions) | 5.4861% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 4,702 |
| Loan loss allowance to noncurrent loans | 182.2240% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 3,436 |
| Noncurrent loans to loans | 0.5164% | 3,449 |
| Net loans and leases to total assets | 78.8861% | 1,056 |
| Net loans and leases to deposits | 105.7883% | 384 |
| Net loans and leases to core deposits | 114.7377% | 695 |
| Total domestic deposits to total assets | 74.5697% | 5,377 |
| Equity capital to assets | 10.1627% | 3,962 |
| Core capital (leverage) ratio | 9.3539% | 4,388 |
| Tier 1 risk-based capital ratio | 14.2856% | 3,408 |
| Total risk-based capital ratio | 15.5015% | 3,354 |
| Memoranda: | ||
| Average total assets | $1,504,066,750 | 511 |
| Average earning assets | $1,392,441,000 | 501 |
| Average equity | $152,663,250 | 522 |
| Average total loans | $1,183,923,250 | 449 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 4,439 |
| Cost of funding earning assets | 0.7197% | 724 |
| Net interest margin | 2.9332% | 5,202 |
| Noninterest income to average assets | 0.6902% | 2,187 |
| Noninterest expense to average assets | 2.5960% | 3,734 |
| Loan and lease loss provision to assets | 0.1194% | 1,907 |
| Net operating income to assets | 0.4613% | 4,832 |
| Return on assets (ROA) | 0.4613% | 4,918 |
| Pretax return on assets | 0.6886% | 4,657 |
| Return on Equity (ROE) | 4.5471% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.5471% | 3,018 |
| Net charge-offs to loans | 0.0193% | 3,112 |
| Credit loss provision to net charge-offs | 790.2655% | 456 |
| Earnings coverage of net charge-offs (x) | 53.4602% | 954 |
| Efficiency ratio | 75.0796% | 2,212 |
| Assets per employee ($millions) | 5.2801% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 4,924 |
| Loan loss allowance to noncurrent loans | 152.5004% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 3,418 |
| Noncurrent loans to loans | 0.5966% | 3,274 |
| Net loans and leases to total assets | 76.7588% | 1,374 |
| Net loans and leases to deposits | 103.1783% | 499 |
| Net loans and leases to core deposits | 111.4416% | 848 |
| Total domestic deposits to total assets | 74.3944% | 5,481 |
| Equity capital to assets | 10.2084% | 3,965 |
| Core capital (leverage) ratio | 9.2819% | 4,480 |
| Tier 1 risk-based capital ratio | 14.5297% | 3,305 |
| Total risk-based capital ratio | 15.6990% | 3,276 |
| Memoranda: | ||
| Average total assets | $1,495,211,330 | 513 |
| Average earning assets | $1,383,391,670 | 505 |
| Average equity | $151,700,000 | 521 |
| Average total loans | $1,172,255,330 | 453 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 4,420 |
| Cost of funding earning assets | 0.7171% | 741 |
| Net interest margin | 2.9529% | 5,211 |
| Noninterest income to average assets | 0.7066% | 2,014 |
| Noninterest expense to average assets | 2.6926% | 3,441 |
| Loan and lease loss provision to assets | 0.0836% | 2,282 |
| Net operating income to assets | 0.4417% | 4,853 |
| Return on assets (ROA) | 0.4417% | 4,939 |
| Pretax return on assets | 0.6592% | 4,652 |
| Return on Equity (ROE) | 4.3676% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.3676% | 3,295 |
| Net charge-offs to loans | 0.0140% | 2,665 |
| Credit loss provision to net charge-offs | 758.5366% | 446 |
| Earnings coverage of net charge-offs (x) | 67.3902% | 723 |
| Efficiency ratio | 77.2030% | 2,009 |
| Assets per employee ($millions) | 5.4601% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 5,166 |
| Loan loss allowance to noncurrent loans | 149.8743% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 3,521 |
| Noncurrent loans to loans | 0.5779% | 3,460 |
| Net loans and leases to total assets | 77.2376% | 1,214 |
| Net loans and leases to deposits | 105.2099% | 368 |
| Net loans and leases to core deposits | 113.4993% | 691 |
| Total domestic deposits to total assets | 73.4129% | 5,659 |
| Equity capital to assets | 10.1153% | 3,928 |
| Core capital (leverage) ratio | 9.2632% | 4,535 |
| Tier 1 risk-based capital ratio | 14.4388% | 3,424 |
| Total risk-based capital ratio | 15.5623% | 3,420 |
| Memoranda: | ||
| Average total assets | $1,487,762,000 | 514 |
| Average earning assets | $1,374,914,000 | 503 |
| Average equity | $150,471,000 | 522 |
| Average total loans | $1,173,490,000 | 449 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,328 |
| Cost of funding earning assets | 0.6778% | 928 |
| Net interest margin | 3.0370% | 5,055 |
| Noninterest income to average assets | 0.7129% | 2,141 |
| Noninterest expense to average assets | 2.8458% | 3,050 |
| Loan and lease loss provision to assets | 0.1787% | 1,268 |
| Net operating income to assets | 0.3302% | 5,270 |
| Return on assets (ROA) | 0.3373% | 5,338 |
| Pretax return on assets | 0.4954% | 5,123 |
| Return on Equity (ROE) | 3.2178% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.8950% | 3,995 |
| Net charge-offs to loans | 0.0399% | 3,426 |
| Credit loss provision to net charge-offs | 566.3657% | 591 |
| Earnings coverage of net charge-offs (x) | 21.0384% | 1,839 |
| Efficiency ratio | 79.8685% | 1,693 |
| Assets per employee ($millions) | 5.3213% | 1,985 |
| Cash dividends to net income (ytd only)* | 10.0296% | 4,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 5,307 |
| Loan loss allowance to noncurrent loans | 149.8253% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 3,556 |
| Noncurrent loans to loans | 0.5593% | 3,492 |
| Net loans and leases to total assets | 79.1888% | 964 |
| Net loans and leases to deposits | 109.5930% | 254 |
| Net loans and leases to core deposits | 117.0524% | 573 |
| Total domestic deposits to total assets | 72.2572% | 5,787 |
| Equity capital to assets | 10.1125% | 3,848 |
| Core capital (leverage) ratio | 9.3826% | 4,351 |
| Tier 1 risk-based capital ratio | 14.2664% | 3,569 |
| Total risk-based capital ratio | 15.3724% | 3,563 |
| Memoranda: | ||
| Average total assets | $1,404,190,600 | 510 |
| Average earning assets | $1,293,065,400 | 504 |
| Average equity | $147,183,000 | 514 |
| Average total loans | $1,109,194,000 | 442 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 4,419 |
| Cost of funding earning assets | 0.6709% | 980 |
| Net interest margin | 3.0295% | 5,128 |
| Noninterest income to average assets | 0.7128% | 2,172 |
| Noninterest expense to average assets | 2.8957% | 2,862 |
| Loan and lease loss provision to assets | 0.1646% | 1,293 |
| Net operating income to assets | 0.2961% | 5,460 |
| Return on assets (ROA) | 0.3055% | 5,522 |
| Pretax return on assets | 0.4539% | 5,342 |
| Return on Equity (ROE) | 2.8872% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.8872% | 4,394 |
| Net charge-offs to loans | 0.0321% | 3,280 |
| Credit loss provision to net charge-offs | 650.9506% | 522 |
| Earnings coverage of net charge-offs (x) | 23.9048% | 1,714 |
| Efficiency ratio | 81.4916% | 1,466 |
| Assets per employee ($millions) | 5.3376% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 5,514 |
| Loan loss allowance to noncurrent loans | 127.3729% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 3,494 |
| Noncurrent loans to loans | 0.6298% | 3,429 |
| Net loans and leases to total assets | 79.0404% | 951 |
| Net loans and leases to deposits | 109.1869% | 270 |
| Net loans and leases to core deposits | 116.1732% | 582 |
| Total domestic deposits to total assets | 72.3900% | 5,839 |
| Equity capital to assets | 10.2799% | 3,841 |
| Core capital (leverage) ratio | 9.4208% | 4,398 |
| Tier 1 risk-based capital ratio | 14.7753% | 3,399 |
| Total risk-based capital ratio | 15.8653% | 3,420 |
| Memoranda: | ||
| Average total assets | $1,386,738,500 | 514 |
| Average earning assets | $1,275,905,250 | 514 |
| Average equity | $146,714,250 | 520 |
| Average total loans | $1,092,216,250 | 449 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 4,421 |
| Cost of funding earning assets | 0.6565% | 1,068 |
| Net interest margin | 3.0398% | 5,117 |
| Noninterest income to average assets | 0.6920% | 2,248 |
| Noninterest expense to average assets | 2.9422% | 2,742 |
| Loan and lease loss provision to assets | 0.1017% | 2,139 |
| Net operating income to assets | 0.2984% | 5,438 |
| Return on assets (ROA) | 0.3115% | 5,502 |
| Pretax return on assets | 0.4615% | 5,324 |
| Return on Equity (ROE) | 2.9154% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.9154% | 4,183 |
| Net charge-offs to loans | 0.0103% | 3,553 |
| Credit loss provision to net charge-offs | 1,263.6364% | 284 |
| Earnings coverage of net charge-offs (x) | 67.5818% | 785 |
| Efficiency ratio | 83.1347% | 1,351 |
| Assets per employee ($millions) | 4.9688% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 5,695 |
| Loan loss allowance to noncurrent loans | 143.0727% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 3,871 |
| Noncurrent loans to loans | 0.5309% | 3,865 |
| Net loans and leases to total assets | 78.6624% | 985 |
| Net loans and leases to deposits | 106.2892% | 367 |
| Net loans and leases to core deposits | 112.9640% | 711 |
| Total domestic deposits to total assets | 74.0079% | 5,793 |
| Equity capital to assets | 10.4998% | 3,440 |
| Core capital (leverage) ratio | 9.7076% | 3,990 |
| Tier 1 risk-based capital ratio | 15.6416% | 3,033 |
| Total risk-based capital ratio | 16.7061% | 3,067 |
| Memoranda: | ||
| Average total assets | $1,366,818,000 | 519 |
| Average earning assets | $1,256,333,670 | 520 |
| Average equity | $146,052,670 | 523 |
| Average total loans | $1,072,099,670 | 454 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 4,384 |
| Cost of funding earning assets | 0.6500% | 1,119 |
| Net interest margin | 3.0435% | 5,096 |
| Noninterest income to average assets | 0.6802% | 2,255 |
| Noninterest expense to average assets | 2.9238% | 2,824 |
| Loan and lease loss provision to assets | 0.0993% | 2,039 |
| Net operating income to assets | 0.3062% | 5,391 |
| Return on assets (ROA) | 0.3062% | 5,494 |
| Pretax return on assets | 0.4535% | 5,308 |
| Return on Equity (ROE) | 2.8395% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.8395% | 4,266 |
| Net charge-offs to loans | 0.0186% | 2,787 |
| Credit loss provision to net charge-offs | 683.6735% | 435 |
| Earnings coverage of net charge-offs (x) | 38.0612% | 1,004 |
| Efficiency ratio | 82.8218% | 1,518 |
| Assets per employee ($millions) | 4.8471% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 5,763 |
| Loan loss allowance to noncurrent loans | 169.8109% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 4,240 |
| Noncurrent loans to loans | 0.4525% | 4,226 |
| Net loans and leases to total assets | 76.9167% | 1,070 |
| Net loans and leases to deposits | 100.1576% | 551 |
| Net loans and leases to core deposits | 106.4983% | 905 |
| Total domestic deposits to total assets | 76.7956% | 5,646 |
| Equity capital to assets | 10.7903% | 3,205 |
| Core capital (leverage) ratio | 9.8426% | 3,833 |
| Tier 1 risk-based capital ratio | 15.6606% | 3,075 |
| Total risk-based capital ratio | 16.6971% | 3,114 |
| Memoranda: | ||
| Average total assets | $1,349,619,500 | 525 |
| Average earning assets | $1,240,008,000 | 521 |
| Average equity | $145,516,500 | 523 |
| Average total loans | $1,052,816,000 | 461 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 4,288 |
| Cost of funding earning assets | 0.6611% | 1,332 |
| Net interest margin | 3.1973% | 4,929 |
| Noninterest income to average assets | 0.7589% | 2,041 |
| Noninterest expense to average assets | 3.0682% | 2,629 |
| Loan and lease loss provision to assets | 0.1147% | 2,254 |
| Net operating income to assets | 0.3452% | 5,393 |
| Return on assets (ROA) | 0.3464% | 5,456 |
| Pretax return on assets | 0.5076% | 5,232 |
| Return on Equity (ROE) | 3.2845% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.2845% | 3,894 |
| Net charge-offs to loans | 0.0626% | 3,594 |
| Credit loss provision to net charge-offs | 233.8906% | 1,080 |
| Earnings coverage of net charge-offs (x) | 12.6520% | 2,348 |
| Efficiency ratio | 81.9376% | 1,670 |
| Assets per employee ($millions) | 4.7931% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 5,908 |
| Loan loss allowance to noncurrent loans | 155.8776% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 4,245 |
| Noncurrent loans to loans | 0.4747% | 4,232 |
| Net loans and leases to total assets | 77.9291% | 1,005 |
| Net loans and leases to deposits | 102.0757% | 508 |
| Net loans and leases to core deposits | 108.5060% | 860 |
| Total domestic deposits to total assets | 76.3444% | 5,684 |
| Equity capital to assets | 10.7736% | 3,152 |
| Core capital (leverage) ratio | 9.3727% | 4,438 |
| Tier 1 risk-based capital ratio | 14.8593% | 3,564 |
| Total risk-based capital ratio | 15.8723% | 3,637 |
| Memoranda: | ||
| Average total assets | $1,341,487,600 | 510 |
| Average earning assets | $1,229,302,000 | 506 |
| Average equity | $141,482,800 | 515 |
| Average total loans | $1,051,370,800 | 439 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 4,397 |
| Cost of funding earning assets | 0.6640% | 1,365 |
| Net interest margin | 3.1787% | 5,032 |
| Noninterest income to average assets | 0.7703% | 2,015 |
| Noninterest expense to average assets | 3.0916% | 2,495 |
| Loan and lease loss provision to assets | 0.1188% | 2,085 |
| Net operating income to assets | 0.3186% | 5,530 |
| Return on assets (ROA) | 0.3202% | 5,598 |
| Pretax return on assets | 0.4739% | 5,395 |
| Return on Equity (ROE) | 3.0521% | 5,520 |
| Retained earnings to average equity (ytd only) | 3.0521% | 4,445 |
| Net charge-offs to loans | 0.0624% | 3,313 |
| Credit loss provision to net charge-offs | 242.8862% | 1,079 |
| Earnings coverage of net charge-offs (x) | 12.0732% | 2,353 |
| Efficiency ratio | 82.7147% | 1,526 |
| Assets per employee ($millions) | 4.7416% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7256% | 6,047 |
| Loan loss allowance to noncurrent loans | 155.1099% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 4,487 |
| Noncurrent loans to loans | 0.4678% | 4,505 |
| Net loans and leases to total assets | 78.2372% | 934 |
| Net loans and leases to deposits | 103.2410% | 441 |
| Net loans and leases to core deposits | 109.1580% | 786 |
| Total domestic deposits to total assets | 75.7811% | 5,849 |
| Equity capital to assets | 10.7096% | 3,283 |
| Core capital (leverage) ratio | 9.3232% | 4,611 |
| Tier 1 risk-based capital ratio | 14.8988% | 3,649 |
| Total risk-based capital ratio | 15.8985% | 3,731 |
| Memoranda: | ||
| Average total assets | $1,341,346,000 | 511 |
| Average earning assets | $1,228,734,750 | 508 |
| Average equity | $140,706,500 | 520 |
| Average total loans | $1,050,801,750 | 438 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 4,327 |
| Cost of funding earning assets | 0.6670% | 1,400 |
| Net interest margin | 3.1849% | 4,990 |
| Noninterest income to average assets | 0.7927% | 1,863 |
| Noninterest expense to average assets | 3.1565% | 2,315 |
| Loan and lease loss provision to assets | 0.1257% | 1,966 |
| Net operating income to assets | 0.2887% | 5,610 |
| Return on assets (ROA) | 0.2910% | 5,668 |
| Pretax return on assets | 0.4298% | 5,481 |
| Return on Equity (ROE) | 2.7934% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.7934% | 4,422 |
| Net charge-offs to loans | 0.0601% | 3,115 |
| Credit loss provision to net charge-offs | 267.4051% | 942 |
| Earnings coverage of net charge-offs (x) | 11.7437% | 2,127 |
| Efficiency ratio | 83.8575% | 1,535 |
| Assets per employee ($millions) | 4.6853% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7115% | 6,153 |
| Loan loss allowance to noncurrent loans | 135.8825% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 4,407 |
| Noncurrent loans to loans | 0.5236% | 4,439 |
| Net loans and leases to total assets | 77.2653% | 1,011 |
| Net loans and leases to deposits | 101.9202% | 454 |
| Net loans and leases to core deposits | 107.6988% | 785 |
| Total domestic deposits to total assets | 75.8096% | 5,929 |
| Equity capital to assets | 10.5352% | 3,402 |
| Core capital (leverage) ratio | 9.1616% | 4,803 |
| Tier 1 risk-based capital ratio | 14.8708% | 3,701 |
| Total risk-based capital ratio | 15.8549% | 3,815 |
| Memoranda: | ||
| Average total assets | $1,344,331,330 | 515 |
| Average earning assets | $1,230,814,330 | 507 |
| Average equity | $140,044,000 | 521 |
| Average total loans | $1,051,054,670 | 437 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9150% | 4,021 |
| Cost of funding earning assets | 0.6678% | 1,452 |
| Net interest margin | 3.2472% | 4,750 |
| Noninterest income to average assets | 0.8139% | 1,698 |
| Noninterest expense to average assets | 3.2327% | 2,120 |
| Loan and lease loss provision to assets | 0.1280% | 1,899 |
| Net operating income to assets | 0.2850% | 5,549 |
| Return on assets (ROA) | 0.2896% | 5,578 |
| Pretax return on assets | 0.4321% | 5,355 |
| Return on Equity (ROE) | 2.7953% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.7953% | 4,412 |
| Net charge-offs to loans | 0.0357% | 2,889 |
| Credit loss provision to net charge-offs | 457.4468% | 587 |
| Earnings coverage of net charge-offs (x) | 19.7766% | 1,358 |
| Efficiency ratio | 84.0906% | 1,663 |
| Assets per employee ($millions) | 4.6038% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 6,295 |
| Loan loss allowance to noncurrent loans | 121.2101% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 4,376 |
| Noncurrent loans to loans | 0.5696% | 4,453 |
| Net loans and leases to total assets | 77.0633% | 880 |
| Net loans and leases to deposits | 103.0883% | 324 |
| Net loans and leases to core deposits | 108.7936% | 636 |
| Total domestic deposits to total assets | 74.7546% | 6,181 |
| Equity capital to assets | 10.3404% | 3,410 |
| Core capital (leverage) ratio | 8.9809% | 5,040 |
| Tier 1 risk-based capital ratio | 14.7967% | 3,817 |
| Total risk-based capital ratio | 15.7572% | 3,957 |
| Memoranda: | ||
| Average total assets | $1,344,151,500 | 516 |
| Average earning assets | $1,230,243,000 | 508 |
| Average equity | $139,233,000 | 528 |
| Average total loans | $1,053,369,500 | 435 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7311% | 5,035 |
| Cost of funding earning assets | 0.8197% | 1,093 |
| Net interest margin | 2.9114% | 5,769 |
| Noninterest income to average assets | 0.8585% | 1,834 |
| Noninterest expense to average assets | 3.2534% | 2,269 |
| Loan and lease loss provision to assets | 0.1197% | 2,819 |
| Net operating income to assets | 0.1111% | 6,020 |
| Return on assets (ROA) | 0.0435% | 6,190 |
| Pretax return on assets | 0.0726% | 6,126 |
| Return on Equity (ROE) | 0.3956% | 6,184 |
| Retained earnings to average equity (ytd only) | -19.7116% | 6,667 |
| Net charge-offs to loans | 0.0951% | 3,895 |
| Credit loss provision to net charge-offs | 166.9620% | 1,363 |
| Earnings coverage of net charge-offs (x) | 4.1544% | 3,659 |
| Efficiency ratio | 91.0531% | 947 |
| Assets per employee ($millions) | 4.5401% | 2,839 |
| Cash dividends to net income (ytd only)* | 5,083.3333% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6547% | 6,411 |
| Loan loss allowance to noncurrent loans | 98.8989% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 4,138 |
| Noncurrent loans to loans | 0.6620% | 4,315 |
| Net loans and leases to total assets | 78.6273% | 750 |
| Net loans and leases to deposits | 105.6558% | 271 |
| Net loans and leases to core deposits | 111.2147% | 566 |
| Total domestic deposits to total assets | 74.4184% | 6,246 |
| Equity capital to assets | 10.3767% | 3,317 |
| Core capital (leverage) ratio | 8.9421% | 5,091 |
| Tier 1 risk-based capital ratio | 14.7138% | 3,831 |
| Total risk-based capital ratio | 15.6516% | 3,960 |
| Memoranda: | ||
| Average total assets | $1,102,232,000 | 597 |
| Average earning assets | $1,019,415,600 | 586 |
| Average equity | $121,350,000 | 583 |
| Average total loans | $830,660,400 | 497 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 5,551 |
| Cost of funding earning assets | 0.8646% | 975 |
| Net interest margin | 2.6962% | 6,183 |
| Noninterest income to average assets | 0.8515% | 1,927 |
| Noninterest expense to average assets | 3.2559% | 2,189 |
| Loan and lease loss provision to assets | 0.0808% | 3,444 |
| Net operating income to assets | 0.0116% | 6,280 |
| Return on assets (ROA) | -0.0665% | 6,391 |
| Pretax return on assets | -0.1008% | 6,401 |
| Return on Equity (ROE) | -0.5934% | 6,391 |
| Retained earnings to average equity (ytd only) | -28.3845% | 6,798 |
| Net charge-offs to loans | 0.1202% | 3,349 |
| Credit loss provision to net charge-offs | 90.6877% | 2,622 |
| Earnings coverage of net charge-offs (x) | 1.1046% | 4,477 |
| Efficiency ratio | 96.8555% | 582 |
| Assets per employee ($millions) | 4.5879% | 2,738 |
| Cash dividends to net income (ytd only)* | -4,683.2966% | 6,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 6,548 |
| Loan loss allowance to noncurrent loans | 81.7641% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6836% | 4,407 |
| Noncurrent loans to loans | 0.7437% | 4,359 |
| Net loans and leases to total assets | 76.3523% | 963 |
| Net loans and leases to deposits | 102.8173% | 338 |
| Net loans and leases to core deposits | 108.2329% | 656 |
| Total domestic deposits to total assets | 74.2601% | 6,353 |
| Equity capital to assets | 10.2137% | 3,623 |
| Core capital (leverage) ratio | 8.7252% | 5,496 |
| Tier 1 risk-based capital ratio | 14.3445% | 4,188 |
| Total risk-based capital ratio | 15.1942% | 4,422 |
| Memoranda: | ||
| Average total assets | $1,044,094,250 | 633 |
| Average earning assets | $969,239,250 | 621 |
| Average equity | $117,061,000 | 613 |
| Average total loans | $774,220,500 | 539 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 4,805 |
| Cost of funding earning assets | 0.9639% | 657 |
| Net interest margin | 2.8436% | 5,916 |
| Noninterest income to average assets | 0.9677% | 1,609 |
| Noninterest expense to average assets | 3.3338% | 1,986 |
| Loan and lease loss provision to assets | 0.0404% | 4,148 |
| Net operating income to assets | 0.1688% | 5,979 |
| Return on assets (ROA) | 0.1681% | 6,096 |
| Pretax return on assets | 0.2548% | 5,992 |
| Return on Equity (ROE) | 1.4382% | 6,108 |
| Retained earnings to average equity (ytd only) | 1.4382% | 5,299 |
| Net charge-offs to loans | 0.1662% | 2,782 |
| Credit loss provision to net charge-offs | 33.3333% | 3,530 |
| Earnings coverage of net charge-offs (x) | 2.4456% | 3,707 |
| Efficiency ratio | 91.8379% | 903 |
| Assets per employee ($millions) | 3.7440% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 6,172 |
| Loan loss allowance to noncurrent loans | 66.5817% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0420% | 3,668 |
| Noncurrent loans to loans | 1.3323% | 3,328 |
| Net loans and leases to total assets | 71.7043% | 1,624 |
| Net loans and leases to deposits | 93.5538% | 840 |
| Net loans and leases to core deposits | 97.3556% | 1,260 |
| Total domestic deposits to total assets | 76.6450% | 6,177 |
| Equity capital to assets | 11.6924% | 2,132 |
| Core capital (leverage) ratio | 11.2495% | 2,134 |
| Tier 1 risk-based capital ratio | 19.6172% | 1,824 |
| Total risk-based capital ratio | 20.8244% | 1,810 |
| Memoranda: | ||
| Average total assets | $940,978,330 | 707 |
| Average earning assets | $880,986,670 | 678 |
| Average equity | $110,002,330 | 649 |
| Average total loans | $685,725,330 | 608 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8550% | 4,634 |
| Cost of funding earning assets | 0.9901% | 648 |
| Net interest margin | 2.8649% | 5,877 |
| Noninterest income to average assets | 1.0544% | 1,336 |
| Noninterest expense to average assets | 3.3307% | 2,009 |
| Loan and lease loss provision to assets | 0.0572% | 3,680 |
| Net operating income to assets | 0.2323% | 5,784 |
| Return on assets (ROA) | 0.2332% | 5,910 |
| Pretax return on assets | 0.3494% | 5,723 |
| Return on Equity (ROE) | 1.9949% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.9949% | 5,003 |
| Net charge-offs to loans | 0.1125% | 2,755 |
| Credit loss provision to net charge-offs | 69.5876% | 2,301 |
| Earnings coverage of net charge-offs (x) | 4.9278% | 2,446 |
| Efficiency ratio | 89.1512% | 1,216 |
| Assets per employee ($millions) | 3.8940% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 6,193 |
| Loan loss allowance to noncurrent loans | 70.8305% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 3,835 |
| Noncurrent loans to loans | 1.3077% | 3,600 |
| Net loans and leases to total assets | 71.5303% | 1,429 |
| Net loans and leases to deposits | 93.7300% | 685 |
| Net loans and leases to core deposits | 98.3063% | 1,059 |
| Total domestic deposits to total assets | 76.3153% | 6,329 |
| Equity capital to assets | 11.6902% | 2,260 |
| Core capital (leverage) ratio | 11.1037% | 2,175 |
| Tier 1 risk-based capital ratio | 19.8952% | 1,803 |
| Total risk-based capital ratio | 21.1454% | 1,769 |
| Memoranda: | ||
| Average total assets | $943,463,500 | 713 |
| Average earning assets | $883,116,500 | 688 |
| Average equity | $110,282,500 | 663 |
| Average total loans | $690,005,500 | 609 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 5,190 |
| Cost of funding earning assets | 1.0846% | 959 |
| Net interest margin | 2.9550% | 6,128 |
| Noninterest income to average assets | 0.9447% | 1,724 |
| Noninterest expense to average assets | 3.2414% | 2,486 |
| Loan and lease loss provision to assets | 0.3069% | 2,224 |
| Net operating income to assets | 0.1305% | 5,941 |
| Return on assets (ROA) | 0.1360% | 6,081 |
| Pretax return on assets | 0.1653% | 6,041 |
| Return on Equity (ROE) | 1.1856% | 6,092 |
| Retained earnings to average equity (ytd only) | 1.1856% | 5,279 |
| Net charge-offs to loans | 0.2234% | 3,605 |
| Credit loss provision to net charge-offs | 195.8080% | 1,332 |
| Earnings coverage of net charge-offs (x) | 2.9703% | 3,939 |
| Efficiency ratio | 87.4096% | 1,292 |
| Assets per employee ($millions) | 3.7931% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 6,229 |
| Loan loss allowance to noncurrent loans | 83.4466% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 4,126 |
| Noncurrent loans to loans | 1.0984% | 4,010 |
| Net loans and leases to total assets | 73.3982% | 1,274 |
| Net loans and leases to deposits | 96.4363% | 594 |
| Net loans and leases to core deposits | 100.8623% | 973 |
| Total domestic deposits to total assets | 76.1106% | 6,339 |
| Equity capital to assets | 11.6880% | 2,282 |
| Core capital (leverage) ratio | 11.0829% | 2,181 |
| Tier 1 risk-based capital ratio | 20.1995% | 1,630 |
| Total risk-based capital ratio | 21.4097% | 1,612 |
| Memoranda: | ||
| Average total assets | $943,596,200 | 699 |
| Average earning assets | $882,066,800 | 673 |
| Average equity | $108,217,600 | 656 |
| Average total loans | $662,010,400 | 620 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 5,362 |
| Cost of funding earning assets | 1.0971% | 1,070 |
| Net interest margin | 2.9529% | 6,266 |
| Noninterest income to average assets | 0.9320% | 1,728 |
| Noninterest expense to average assets | 3.2994% | 2,278 |
| Loan and lease loss provision to assets | 0.3177% | 2,079 |
| Net operating income to assets | 0.0645% | 6,187 |
| Return on assets (ROA) | 0.0679% | 6,318 |
| Pretax return on assets | 0.0794% | 6,297 |
| Return on Equity (ROE) | 0.5950% | 6,330 |
| Retained earnings to average equity (ytd only) | 0.5950% | 5,915 |
| Net charge-offs to loans | 0.2845% | 3,021 |
| Credit loss provision to net charge-offs | 161.4060% | 1,726 |
| Earnings coverage of net charge-offs (x) | 1.9971% | 4,267 |
| Efficiency ratio | 89.3240% | 1,082 |
| Assets per employee ($millions) | 3.7741% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,490 |
| Loan loss allowance to noncurrent loans | 63.1271% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0566% | 4,182 |
| Noncurrent loans to loans | 1.3581% | 3,751 |
| Net loans and leases to total assets | 71.9827% | 1,558 |
| Net loans and leases to deposits | 93.9953% | 794 |
| Net loans and leases to core deposits | 98.2830% | 1,244 |
| Total domestic deposits to total assets | 76.5811% | 6,297 |
| Equity capital to assets | 11.6524% | 2,591 |
| Core capital (leverage) ratio | 11.0779% | 2,316 |
| Tier 1 risk-based capital ratio | 20.0400% | 1,744 |
| Total risk-based capital ratio | 21.2545% | 1,729 |
| Memoranda: | ||
| Average total assets | $944,322,000 | 703 |
| Average earning assets | $882,784,750 | 678 |
| Average equity | $107,785,000 | 659 |
| Average total loans | $653,303,250 | 634 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 5,435 |
| Cost of funding earning assets | 1.1100% | 1,178 |
| Net interest margin | 2.9554% | 6,326 |
| Noninterest income to average assets | 0.9591% | 1,582 |
| Noninterest expense to average assets | 3.3056% | 2,286 |
| Loan and lease loss provision to assets | 0.1934% | 3,153 |
| Net operating income to assets | 0.1676% | 6,007 |
| Return on assets (ROA) | 0.2401% | 5,982 |
| Pretax return on assets | 0.3201% | 5,923 |
| Return on Equity (ROE) | 2.1181% | 6,005 |
| Retained earnings to average equity (ytd only) | 2.1181% | 5,136 |
| Net charge-offs to loans | 0.0751% | 4,394 |
| Credit loss provision to net charge-offs | 378.5124% | 789 |
| Earnings coverage of net charge-offs (x) | 8.1570% | 2,354 |
| Efficiency ratio | 88.7735% | 1,169 |
| Assets per employee ($millions) | 3.7554% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 6,574 |
| Loan loss allowance to noncurrent loans | 49.0484% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2842% | 3,861 |
| Noncurrent loans to loans | 1.7296% | 3,308 |
| Net loans and leases to total assets | 69.9813% | 1,921 |
| Net loans and leases to deposits | 91.0032% | 1,044 |
| Net loans and leases to core deposits | 94.1138% | 1,590 |
| Total domestic deposits to total assets | 76.8999% | 6,339 |
| Equity capital to assets | 11.5318% | 2,560 |
| Core capital (leverage) ratio | 11.0827% | 2,225 |
| Tier 1 risk-based capital ratio | 20.8107% | 1,520 |
| Total risk-based capital ratio | 22.0247% | 1,495 |
| Memoranda: | ||
| Average total assets | $947,106,670 | 701 |
| Average earning assets | $885,575,330 | 675 |
| Average equity | $107,359,000 | 659 |
| Average total loans | $644,550,670 | 644 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 5,349 |
| Cost of funding earning assets | 1.1430% | 1,201 |
| Net interest margin | 2.9892% | 6,313 |
| Noninterest income to average assets | 1.0437% | 1,327 |
| Noninterest expense to average assets | 3.4600% | 1,845 |
| Loan and lease loss provision to assets | 0.2039% | 2,910 |
| Net operating income to assets | 0.1187% | 6,199 |
| Return on assets (ROA) | 0.1765% | 6,191 |
| Pretax return on assets | 0.2617% | 6,058 |
| Return on Equity (ROE) | 1.5709% | 6,203 |
| Retained earnings to average equity (ytd only) | 1.5709% | 5,452 |
| Net charge-offs to loans | 0.0479% | 4,030 |
| Credit loss provision to net charge-offs | 636.8421% | 537 |
| Earnings coverage of net charge-offs (x) | 11.8421% | 1,643 |
| Efficiency ratio | 90.0900% | 1,091 |
| Assets per employee ($millions) | 3.6736% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 6,662 |
| Loan loss allowance to noncurrent loans | 47.2583% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.2269% | 4,087 |
| Noncurrent loans to loans | 1.7801% | 3,436 |
| Net loans and leases to total assets | 66.1150% | 2,451 |
| Net loans and leases to deposits | 86.1632% | 1,402 |
| Net loans and leases to core deposits | 89.1932% | 1,929 |
| Total domestic deposits to total assets | 76.7323% | 6,447 |
| Equity capital to assets | 11.1968% | 2,715 |
| Core capital (leverage) ratio | 10.7560% | 2,485 |
| Tier 1 risk-based capital ratio | 20.9684% | 1,502 |
| Total risk-based capital ratio | 22.1612% | 1,481 |
| Memoranda: | ||
| Average total assets | $949,353,000 | 701 |
| Average earning assets | $887,873,000 | 675 |
| Average equity | $106,688,500 | 659 |
| Average total loans | $634,177,000 | 654 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 5,594 |
| Cost of funding earning assets | 1.3157% | 1,410 |
| Net interest margin | 3.0370% | 6,470 |
| Noninterest income to average assets | 1.1284% | 1,028 |
| Noninterest expense to average assets | 3.3837% | 2,284 |
| Loan and lease loss provision to assets | 0.1684% | 4,535 |
| Net operating income to assets | 0.2853% | 5,307 |
| Return on assets (ROA) | 0.2999% | 5,406 |
| Pretax return on assets | 0.4283% | 5,207 |
| Return on Equity (ROE) | 2.7900% | 5,366 |
| Retained earnings to average equity (ytd only) | 2.1365% | 4,694 |
| Net charge-offs to loans | 0.1454% | 4,979 |
| Credit loss provision to net charge-offs | 172.1547% | 1,547 |
| Earnings coverage of net charge-offs (x) | 5.8873% | 2,653 |
| Efficiency ratio | 85.4000% | 1,632 |
| Assets per employee ($millions) | 3.5602% | 4,867 |
| Cash dividends to net income (ytd only)* | 23.4234% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 6,764 |
| Loan loss allowance to noncurrent loans | 46.9266% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.2307% | 4,175 |
| Noncurrent loans to loans | 1.6836% | 3,635 |
| Net loans and leases to total assets | 66.3998% | 2,711 |
| Net loans and leases to deposits | 86.9099% | 1,547 |
| Net loans and leases to core deposits | 89.4489% | 2,203 |
| Total domestic deposits to total assets | 76.4007% | 6,431 |
| Equity capital to assets | 11.2801% | 2,710 |
| Core capital (leverage) ratio | 10.8554% | 2,394 |
| Tier 1 risk-based capital ratio | 21.0879% | 1,394 |
| Total risk-based capital ratio | 22.2138% | 1,400 |
| Memoranda: | ||
| Average total assets | $925,299,600 | 704 |
| Average earning assets | $862,572,600 | 679 |
| Average equity | $99,461,200 | 690 |
| Average total loans | $622,577,400 | 670 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 5,604 |
| Cost of funding earning assets | 1.3536% | 1,438 |
| Net interest margin | 3.0453% | 6,501 |
| Noninterest income to average assets | 1.1009% | 1,098 |
| Noninterest expense to average assets | 3.4652% | 2,035 |
| Loan and lease loss provision to assets | 0.0882% | 5,347 |
| Net operating income to assets | 0.2670% | 5,524 |
| Return on assets (ROA) | 0.2971% | 5,579 |
| Pretax return on assets | 0.4298% | 5,378 |
| Return on Equity (ROE) | 2.7996% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.7996% | 4,681 |
| Net charge-offs to loans | 0.1344% | 4,713 |
| Credit loss provision to net charge-offs | 97.4441% | 3,514 |
| Earnings coverage of net charge-offs (x) | 5.2380% | 2,842 |
| Efficiency ratio | 87.9003% | 1,355 |
| Assets per employee ($millions) | 3.5131% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 6,976 |
| Loan loss allowance to noncurrent loans | 50.2864% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 4,684 |
| Noncurrent loans to loans | 1.3757% | 4,231 |
| Net loans and leases to total assets | 66.5702% | 2,768 |
| Net loans and leases to deposits | 87.5785% | 1,479 |
| Net loans and leases to core deposits | 90.2322% | 2,222 |
| Total domestic deposits to total assets | 76.0120% | 6,533 |
| Equity capital to assets | 11.4366% | 2,745 |
| Core capital (leverage) ratio | 11.0207% | 2,371 |
| Tier 1 risk-based capital ratio | 22.3066% | 1,237 |
| Total risk-based capital ratio | 23.3297% | 1,249 |
| Memoranda: | ||
| Average total assets | $921,649,250 | 717 |
| Average earning assets | $859,097,250 | 691 |
| Average equity | $97,821,000 | 705 |
| Average total loans | $620,956,250 | 676 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 5,611 |
| Cost of funding earning assets | 1.3794% | 1,500 |
| Net interest margin | 3.0443% | 6,515 |
| Noninterest income to average assets | 1.1156% | 1,043 |
| Noninterest expense to average assets | 3.4978% | 1,985 |
| Loan and lease loss provision to assets | 0.0870% | 5,226 |
| Net operating income to assets | 0.2558% | 5,538 |
| Return on assets (ROA) | 0.2829% | 5,567 |
| Pretax return on assets | 0.4080% | 5,371 |
| Return on Equity (ROE) | 2.7369% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.7369% | 4,546 |
| Net charge-offs to loans | 0.1295% | 4,442 |
| Credit loss provision to net charge-offs | 99.5025% | 3,181 |
| Earnings coverage of net charge-offs (x) | 5.2114% | 2,667 |
| Efficiency ratio | 88.4213% | 1,370 |
| Assets per employee ($millions) | 3.5304% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 7,035 |
| Loan loss allowance to noncurrent loans | 46.8157% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 1.0656% | 4,754 |
| Noncurrent loans to loans | 1.4641% | 4,226 |
| Net loans and leases to total assets | 67.0824% | 2,808 |
| Net loans and leases to deposits | 89.1581% | 1,360 |
| Net loans and leases to core deposits | 91.9263% | 2,145 |
| Total domestic deposits to total assets | 75.2398% | 6,698 |
| Equity capital to assets | 11.3089% | 2,677 |
| Core capital (leverage) ratio | 10.7686% | 2,456 |
| Tier 1 risk-based capital ratio | 21.6107% | 1,310 |
| Total risk-based capital ratio | 22.6227% | 1,333 |
| Memoranda: | ||
| Average total assets | $919,712,670 | 725 |
| Average earning assets | $857,351,330 | 704 |
| Average equity | $95,071,330 | 722 |
| Average total loans | $620,704,330 | 690 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 5,535 |
| Cost of funding earning assets | 1.4032% | 1,594 |
| Net interest margin | 3.0419% | 6,484 |
| Noninterest income to average assets | 1.1218% | 1,044 |
| Noninterest expense to average assets | 3.5225% | 1,945 |
| Loan and lease loss provision to assets | 0.0919% | 4,866 |
| Net operating income to assets | 0.2447% | 5,633 |
| Return on assets (ROA) | 0.2557% | 5,658 |
| Pretax return on assets | 0.3560% | 5,481 |
| Return on Equity (ROE) | 2.5983% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.5983% | 4,606 |
| Net charge-offs to loans | 0.1447% | 3,625 |
| Credit loss provision to net charge-offs | 94.1704% | 2,860 |
| Earnings coverage of net charge-offs (x) | 4.4305% | 2,480 |
| Efficiency ratio | 89.0070% | 1,418 |
| Assets per employee ($millions) | 3.5346% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 7,076 |
| Loan loss allowance to noncurrent loans | 67.9507% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 5,338 |
| Noncurrent loans to loans | 1.0305% | 4,995 |
| Net loans and leases to total assets | 66.9289% | 2,777 |
| Net loans and leases to deposits | 89.3372% | 1,316 |
| Net loans and leases to core deposits | 91.9478% | 2,135 |
| Total domestic deposits to total assets | 74.9172% | 6,806 |
| Equity capital to assets | 11.4069% | 2,340 |
| Core capital (leverage) ratio | 10.9102% | 2,255 |
| Tier 1 risk-based capital ratio | 20.8020% | 1,433 |
| Total risk-based capital ratio | 21.7722% | 1,452 |
| Memoranda: | ||
| Average total assets | $913,559,000 | 734 |
| Average earning assets | $850,908,500 | 712 |
| Average equity | $89,906,500 | 747 |
| Average total loans | $616,288,500 | 696 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 5,168 |
| Cost of funding earning assets | 1.6941% | 1,630 |
| Net interest margin | 3.1710% | 6,333 |
| Noninterest income to average assets | 1.0777% | 1,287 |
| Noninterest expense to average assets | 3.4478% | 2,315 |
| Loan and lease loss provision to assets | 0.1023% | 6,120 |
| Net operating income to assets | 0.3125% | 4,895 |
| Return on assets (ROA) | 0.3411% | 4,945 |
| Pretax return on assets | 0.5053% | 4,605 |
| Return on Equity (ROE) | 4.0221% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.0221% | 3,048 |
| Net charge-offs to loans | 0.1929% | 5,141 |
| Credit loss provision to net charge-offs | 76.2468% | 5,689 |
| Earnings coverage of net charge-offs (x) | 4.2122% | 3,018 |
| Efficiency ratio | 85.7256% | 1,720 |
| Assets per employee ($millions) | 3.5065% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 7,139 |
| Loan loss allowance to noncurrent loans | 87.6548% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 5,644 |
| Noncurrent loans to loans | 0.7970% | 5,448 |
| Net loans and leases to total assets | 67.0476% | 3,210 |
| Net loans and leases to deposits | 92.3671% | 1,226 |
| Net loans and leases to core deposits | 95.2598% | 2,093 |
| Total domestic deposits to total assets | 72.5881% | 7,034 |
| Equity capital to assets | 8.2814% | 6,168 |
| Core capital (leverage) ratio | 7.8116% | 6,428 |
| Tier 1 risk-based capital ratio | 14.4017% | 3,612 |
| Total risk-based capital ratio | 15.3426% | 3,779 |
| Memoranda: | ||
| Average total assets | $881,978,800 | 766 |
| Average earning assets | $816,356,200 | 743 |
| Average equity | $74,787,400 | 881 |
| Average total loans | $613,392,600 | 724 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9587% | 4,998 |
| Cost of funding earning assets | 1.7633% | 1,573 |
| Net interest margin | 3.1954% | 6,355 |
| Noninterest income to average assets | 1.0921% | 1,195 |
| Noninterest expense to average assets | 3.5402% | 1,935 |
| Loan and lease loss provision to assets | 0.1056% | 5,981 |
| Net operating income to assets | 0.2702% | 5,279 |
| Return on assets (ROA) | 0.3092% | 5,300 |
| Pretax return on assets | 0.4565% | 5,055 |
| Return on Equity (ROE) | 3.6241% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.6241% | 3,895 |
| Net charge-offs to loans | 0.1675% | 4,973 |
| Credit loss provision to net charge-offs | 89.9870% | 4,766 |
| Earnings coverage of net charge-offs (x) | 4.3004% | 3,113 |
| Efficiency ratio | 87.4326% | 1,500 |
| Assets per employee ($millions) | 3.3317% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 7,136 |
| Loan loss allowance to noncurrent loans | 79.8139% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9042% | 5,295 |
| Noncurrent loans to loans | 0.9244% | 5,391 |
| Net loans and leases to total assets | 69.5536% | 2,838 |
| Net loans and leases to deposits | 90.4812% | 1,654 |
| Net loans and leases to core deposits | 93.1125% | 2,644 |
| Total domestic deposits to total assets | 76.8708% | 6,509 |
| Equity capital to assets | 8.7044% | 6,000 |
| Core capital (leverage) ratio | 8.0805% | 6,225 |
| Tier 1 risk-based capital ratio | 13.9907% | 3,844 |
| Total risk-based capital ratio | 14.9617% | 4,004 |
| Memoranda: | ||
| Average total assets | $873,674,750 | 770 |
| Average earning assets | $807,340,250 | 755 |
| Average equity | $74,536,500 | 883 |
| Average total loans | $612,257,500 | 724 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0206% | 4,848 |
| Cost of funding earning assets | 1.8207% | 1,564 |
| Net interest margin | 3.1999% | 6,318 |
| Noninterest income to average assets | 1.0997% | 1,098 |
| Noninterest expense to average assets | 3.6030% | 1,774 |
| Loan and lease loss provision to assets | 0.0968% | 5,943 |
| Net operating income to assets | 0.2376% | 5,423 |
| Return on assets (ROA) | 0.2905% | 5,372 |
| Pretax return on assets | 0.4297% | 5,122 |
| Return on Equity (ROE) | 3.4280% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.4280% | 3,929 |
| Net charge-offs to loans | 0.2265% | 4,242 |
| Credit loss provision to net charge-offs | 60.9827% | 5,186 |
| Earnings coverage of net charge-offs (x) | 2.8266% | 3,576 |
| Efficiency ratio | 88.8335% | 1,430 |
| Assets per employee ($millions) | 3.4332% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 7,223 |
| Loan loss allowance to noncurrent loans | 92.9151% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 5,663 |
| Noncurrent loans to loans | 0.7647% | 5,744 |
| Net loans and leases to total assets | 69.2283% | 3,080 |
| Net loans and leases to deposits | 89.8570% | 1,881 |
| Net loans and leases to core deposits | 92.1127% | 2,968 |
| Total domestic deposits to total assets | 77.0428% | 6,497 |
| Equity capital to assets | 8.5993% | 6,014 |
| Core capital (leverage) ratio | 8.0817% | 6,152 |
| Tier 1 risk-based capital ratio | 13.9132% | 3,788 |
| Total risk-based capital ratio | 14.8372% | 3,973 |
| Memoranda: | ||
| Average total assets | $871,713,000 | 772 |
| Average earning assets | $804,210,330 | 755 |
| Average equity | $73,862,000 | 892 |
| Average total loans | $610,905,670 | 731 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 4,569 |
| Cost of funding earning assets | 1.8963% | 1,465 |
| Net interest margin | 3.1958% | 6,308 |
| Noninterest income to average assets | 1.0892% | 1,065 |
| Noninterest expense to average assets | 3.6364% | 1,650 |
| Loan and lease loss provision to assets | 0.0783% | 5,855 |
| Net operating income to assets | 0.2120% | 5,638 |
| Return on assets (ROA) | 0.2391% | 5,662 |
| Pretax return on assets | 0.3566% | 5,430 |
| Return on Equity (ROE) | 2.8437% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.8437% | 4,424 |
| Net charge-offs to loans | 0.1620% | 3,954 |
| Credit loss provision to net charge-offs | 68.8259% | 4,129 |
| Earnings coverage of net charge-offs (x) | 3.4656% | 2,901 |
| Efficiency ratio | 90.1235% | 1,428 |
| Assets per employee ($millions) | 3.3655% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 7,245 |
| Loan loss allowance to noncurrent loans | 139.2770% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 5,443 |
| Noncurrent loans to loans | 0.5376% | 6,216 |
| Net loans and leases to total assets | 69.1379% | 3,129 |
| Net loans and leases to deposits | 89.6673% | 1,955 |
| Net loans and leases to core deposits | 91.5925% | 3,157 |
| Total domestic deposits to total assets | 77.1050% | 6,535 |
| Equity capital to assets | 8.4911% | 6,010 |
| Core capital (leverage) ratio | 8.0720% | 6,127 |
| Tier 1 risk-based capital ratio | 13.7880% | 3,805 |
| Total risk-based capital ratio | 14.7413% | 3,952 |
| Memoranda: | ||
| Average total assets | $868,123,000 | 792 |
| Average earning assets | $799,037,500 | 774 |
| Average equity | $73,003,500 | 908 |
| Average total loans | $609,960,000 | 754 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 4,564 |
| Cost of funding earning assets | 2.3679% | 1,397 |
| Net interest margin | 3.0571% | 6,499 |
| Noninterest income to average assets | 1.1947% | 1,080 |
| Noninterest expense to average assets | 3.6466% | 2,041 |
| Loan and lease loss provision to assets | 0.3473% | 4,718 |
| Net operating income to assets | 0.0328% | 5,388 |
| Return on assets (ROA) | 0.0477% | 5,403 |
| Pretax return on assets | 0.0506% | 5,329 |
| Return on Equity (ROE) | 0.5892% | 5,360 |
| Retained earnings to average equity (ytd only) | 0.5892% | 4,572 |
| Net charge-offs to loans | 0.4371% | 4,050 |
| Credit loss provision to net charge-offs | 109.4783% | 5,035 |
| Earnings coverage of net charge-offs (x) | 1.2043% | 4,918 |
| Efficiency ratio | 90.2282% | 1,689 |
| Assets per employee ($millions) | 3.2874% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 7,250 |
| Loan loss allowance to noncurrent loans | 168.7591% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.7425% | 5,619 |
| Noncurrent loans to loans | 0.4472% | 6,379 |
| Net loans and leases to total assets | 70.3345% | 3,173 |
| Net loans and leases to deposits | 91.4012% | 1,984 |
| Net loans and leases to core deposits | 107.9061% | 3,111 |
| Total domestic deposits to total assets | 76.9514% | 6,493 |
| Equity capital to assets | 8.3269% | 6,157 |
| Core capital (leverage) ratio | 8.0188% | 6,147 |
| Tier 1 risk-based capital ratio | 13.3601% | 3,908 |
| Total risk-based capital ratio | 14.3050% | 4,052 |
| Memoranda: | ||
| Average total assets | $858,094,400 | 792 |
| Average earning assets | $795,431,800 | 769 |
| Average equity | $69,412,000 | 943 |
| Average total loans | $622,704,600 | 749 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5669% | 4,058 |
| Cost of funding earning assets | 2.4368% | 1,501 |
| Net interest margin | 3.1301% | 6,231 |
| Noninterest income to average assets | 1.2108% | 1,053 |
| Noninterest expense to average assets | 3.7642% | 1,677 |
| Loan and lease loss provision to assets | 0.4328% | 3,741 |
| Net operating income to assets | -0.0391% | 5,777 |
| Return on assets (ROA) | -0.0251% | 5,817 |
| Pretax return on assets | -0.0585% | 5,796 |
| Return on Equity (ROE) | -0.3122% | 5,828 |
| Retained earnings to average equity (ytd only) | -0.3122% | 5,291 |
| Net charge-offs to loans | 0.5199% | 3,136 |
| Credit loss provision to net charge-offs | 114.0279% | 4,456 |
| Earnings coverage of net charge-offs (x) | 0.9282% | 5,129 |
| Efficiency ratio | 91.3172% | 1,591 |
| Assets per employee ($millions) | 3.2010% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 7,214 |
| Loan loss allowance to noncurrent loans | 78.0763% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 5,442 |
| Noncurrent loans to loans | 0.9796% | 5,347 |
| Net loans and leases to total assets | 70.6798% | 3,342 |
| Net loans and leases to deposits | 92.8945% | 2,077 |
| Net loans and leases to core deposits | 110.2450% | 3,208 |
| Total domestic deposits to total assets | 76.0862% | 6,567 |
| Equity capital to assets | 8.3436% | 6,451 |
| Core capital (leverage) ratio | 8.0234% | 6,319 |
| Tier 1 risk-based capital ratio | 12.6696% | 4,418 |
| Total risk-based capital ratio | 13.5882% | 4,621 |
| Memoranda: | ||
| Average total assets | $856,469,500 | 804 |
| Average earning assets | $795,059,250 | 778 |
| Average equity | $68,766,500 | 969 |
| Average total loans | $625,197,750 | 765 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6856% | 3,630 |
| Cost of funding earning assets | 2.4856% | 1,667 |
| Net interest margin | 3.2000% | 5,915 |
| Noninterest income to average assets | 1.1533% | 1,176 |
| Noninterest expense to average assets | 3.8851% | 1,511 |
| Loan and lease loss provision to assets | 0.4872% | 3,098 |
| Net operating income to assets | -0.1688% | 6,133 |
| Return on assets (ROA) | -0.1199% | 6,080 |
| Pretax return on assets | -0.1768% | 6,098 |
| Return on Equity (ROE) | -1.5136% | 6,149 |
| Retained earnings to average equity (ytd only) | -1.5136% | 5,617 |
| Net charge-offs to loans | 0.5401% | 2,707 |
| Credit loss provision to net charge-offs | 122.5692% | 3,796 |
| Earnings coverage of net charge-offs (x) | 0.5999% | 5,112 |
| Efficiency ratio | 94.0926% | 1,489 |
| Assets per employee ($millions) | 3.2712% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 7,303 |
| Loan loss allowance to noncurrent loans | 54.9971% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 4,873 |
| Noncurrent loans to loans | 1.3618% | 4,492 |
| Net loans and leases to total assets | 72.8725% | 2,987 |
| Net loans and leases to deposits | 96.3888% | 1,735 |
| Net loans and leases to core deposits | 113.8502% | 2,923 |
| Total domestic deposits to total assets | 75.6026% | 6,633 |
| Equity capital to assets | 8.1432% | 6,570 |
| Core capital (leverage) ratio | 8.0086% | 6,314 |
| Tier 1 risk-based capital ratio | 13.3688% | 3,886 |
| Total risk-based capital ratio | 14.3439% | 3,990 |
| Memoranda: | ||
| Average total assets | $853,871,000 | 824 |
| Average earning assets | $792,564,330 | 803 |
| Average equity | $67,651,670 | 995 |
| Average total loans | $628,407,330 | 779 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6828% | 3,889 |
| Cost of funding earning assets | 2.5292% | 1,804 |
| Net interest margin | 3.1536% | 6,001 |
| Noninterest income to average assets | 1.1260% | 1,165 |
| Noninterest expense to average assets | 3.7936% | 1,485 |
| Loan and lease loss provision to assets | 0.3015% | 3,535 |
| Net operating income to assets | -0.0272% | 6,299 |
| Return on assets (ROA) | 0.0363% | 6,323 |
| Pretax return on assets | 0.0532% | 6,272 |
| Return on Equity (ROE) | 0.4644% | 6,285 |
| Retained earnings to average equity (ytd only) | 0.4644% | 5,468 |
| Net charge-offs to loans | 0.3376% | 2,739 |
| Credit loss provision to net charge-offs | 121.2121% | 3,249 |
| Earnings coverage of net charge-offs (x) | 1.0511% | 4,238 |
| Efficiency ratio | 93.4240% | 1,468 |
| Assets per employee ($millions) | 3.1402% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 7,286 |
| Loan loss allowance to noncurrent loans | 50.3163% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 1.1188% | 4,447 |
| Noncurrent loans to loans | 1.5080% | 4,023 |
| Net loans and leases to total assets | 73.0886% | 2,989 |
| Net loans and leases to deposits | 97.8012% | 1,694 |
| Net loans and leases to core deposits | 115.3130% | 2,874 |
| Total domestic deposits to total assets | 74.7318% | 6,757 |
| Equity capital to assets | 7.9138% | 6,943 |
| Core capital (leverage) ratio | 8.1466% | 6,190 |
| Tier 1 risk-based capital ratio | 13.3398% | 3,971 |
| Total risk-based capital ratio | 14.3131% | 4,064 |
| Memoranda: | ||
| Average total assets | $849,003,500 | 831 |
| Average earning assets | $788,550,000 | 808 |
| Average equity | $66,315,000 | 1,017 |
| Average total loans | $625,571,000 | 794 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9661% | 5,723 |
| Cost of funding earning assets | 2.9055% | 2,245 |
| Net interest margin | 3.0606% | 6,762 |
| Noninterest income to average assets | 1.2172% | 1,002 |
| Noninterest expense to average assets | 3.6137% | 2,112 |
| Loan and lease loss provision to assets | 1.0145% | 1,447 |
| Net operating income to assets | -0.3815% | 6,802 |
| Return on assets (ROA) | -0.3395% | 6,639 |
| Pretax return on assets | -0.5003% | 6,653 |
| Return on Equity (ROE) | -4.2448% | 6,779 |
| Retained earnings to average equity (ytd only) | -4.2448% | 6,370 |
| Net charge-offs to loans | 0.0825% | 5,589 |
| Credit loss provision to net charge-offs | 1,663.8171% | 259 |
| Earnings coverage of net charge-offs (x) | 7.4215% | 3,117 |
| Efficiency ratio | 88.7160% | 1,612 |
| Assets per employee ($millions) | 3.2086% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7734% | 7,193 |
| Loan loss allowance to noncurrent loans | 45.5242% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 1.2523% | 3,722 |
| Noncurrent loans to loans | 1.6988% | 3,224 |
| Net loans and leases to total assets | 73.1488% | 3,325 |
| Net loans and leases to deposits | 98.3862% | 2,071 |
| Net loans and leases to core deposits | 115.4703% | 3,183 |
| Total domestic deposits to total assets | 74.3487% | 6,589 |
| Equity capital to assets | 7.7068% | 7,195 |
| Core capital (leverage) ratio | 7.5937% | 7,082 |
| Tier 1 risk-based capital ratio | 12.3315% | 4,564 |
| Total risk-based capital ratio | 13.3204% | 4,648 |
| Memoranda: | ||
| Average total assets | $824,923,200 | 824 |
| Average earning assets | $767,883,000 | 806 |
| Average equity | $65,986,800 | 1,013 |
| Average total loans | $609,827,400 | 785 |