Home > Silvergate Bank > Performance and Condition Ratios
Silvergate Bank, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8386% | 4,536 |
| Cost of funding earning assets | 0.0000% | 4,464 |
| Net interest margin | 1.8386% | 4,353 |
| Noninterest income to average assets | 4.1200% | 156 |
| Noninterest expense to average assets | 67.3409% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -61.4789% | 4,528 |
| Return on assets (ROA) | -61.4789% | 4,565 |
| Pretax return on assets | -61.4830% | 4,565 |
| Return on Equity (ROE) | -84.4600% | 4,531 |
| Retained earnings to average equity (ytd only) | -84.4599% | 4,558 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 1,149.5854% | 29 |
| Assets per employee ($millions) | 13.4857% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,450 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,430 |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0000% | 4,455 |
| Total domestic deposits to total assets | 0.0000% | 4,501 |
| Equity capital to assets | 68.9133% | 119 |
| Core capital (leverage) ratio | 55.2790% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 345.1826% | 25 |
| Memoranda: | ||
| Average total assets | $242,922,333 | 2,735 |
| Average earning assets | $229,746,000 | 2,705 |
| Average equity | $176,824,667 | 630 |
| Average total loans | $0 | 4,430 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 4,520 |
| Cost of funding earning assets | 0.0000% | 4,491 |
| Net interest margin | 3.1765% | 2,617 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | 58.8526% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -55.8318% | 4,594 |
| Return on assets (ROA) | -55.8318% | 4,594 |
| Pretax return on assets | -55.8379% | 4,594 |
| Return on Equity (ROE) | -75.1600% | 4,558 |
| Retained earnings to average equity (ytd only) | -75.1637% | 4,533 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 1,952.1673% | 1 |
| Assets per employee ($millions) | 18.3741% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 0.0000% | 4,526 |
| Equity capital to assets | 68.9298% | 114 |
| Core capital (leverage) ratio | 67.3787% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 335.6611% | 25 |
| Memoranda: | ||
| Average total assets | $263,240,500 | 2,629 |
| Average earning assets | $249,459,500 | 2,598 |
| Average equity | $195,536,000 | 584 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 4,186 |
| Cost of funding earning assets | 2.4300% | 426 |
| Net interest margin | 1.3666% | 4,522 |
| Noninterest income to average assets | -3.5800% | 4,594 |
| Noninterest expense to average assets | 5.2902% | 209 |
| Loan and lease loss provision to assets | 1.7400% | 34 |
| Net operating income to assets | -9.3263% | 4,603 |
| Return on assets (ROA) | -17.7020% | 4,607 |
| Pretax return on assets | -17.8081% | 4,607 |
| Return on Equity (ROE) | -192.2300% | 4,581 |
| Retained earnings to average equity (ytd only) | -192.2302% | 4,567 |
| Net charge-offs to loans | 42.8655% | 3 |
| Credit loss provision to net charge-offs | 94.5782% | 1,905 |
| Earnings coverage of net charge-offs (x) | -4.0493% | 4,537 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 19.2317% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 79.3923% | 105 |
| Core capital (leverage) ratio | 36.5910% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 387.2656% | 21 |
| Memoranda: | ||
| Average total assets | $3,143,099,000 | 381 |
| Average earning assets | $2,901,738,800 | 368 |
| Average equity | $289,439,400 | 408 |
| Average total loans | $137,775,200 | 2,788 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 3,729 |
| Cost of funding earning assets | 2.6596% | 208 |
| Net interest margin | 1.4018% | 4,538 |
| Noninterest income to average assets | -3.8900% | 4,622 |
| Noninterest expense to average assets | 5.5817% | 196 |
| Loan and lease loss provision to assets | 1.8900% | 34 |
| Net operating income to assets | -10.0374% | 4,628 |
| Return on assets (ROA) | -19.1270% | 4,636 |
| Pretax return on assets | -19.2419% | 4,636 |
| Return on Equity (ROE) | -239.5300% | 4,606 |
| Retained earnings to average equity (ytd only) | -239.5257% | 4,593 |
| Net charge-offs to loans | 45.7220% | 3 |
| Credit loss provision to net charge-offs | 94.5782% | 1,667 |
| Earnings coverage of net charge-offs (x) | -4.0081% | 4,580 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 36.9776% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 66.7200% | 4,393 |
| Equity capital to assets | 23.3768% | 215 |
| Core capital (leverage) ratio | 19.6323% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5,318.8531% | 1 |
| Memoranda: | ||
| Average total assets | $3,861,562,750 | 331 |
| Average earning assets | $3,564,121,000 | 321 |
| Average equity | $308,359,500 | 387 |
| Average total loans | $172,219,000 | 2,511 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 1,919 |
| Cost of funding earning assets | 3.1921% | 64 |
| Net interest margin | 1.6413% | 4,564 |
| Noninterest income to average assets | -4.6500% | 4,652 |
| Noninterest expense to average assets | 6.7060% | 154 |
| Loan and lease loss provision to assets | 2.2600% | 23 |
| Net operating income to assets | -12.0098% | 4,660 |
| Return on assets (ROA) | -22.9967% | 4,665 |
| Pretax return on assets | -23.0873% | 4,665 |
| Return on Equity (ROE) | -328.2600% | 4,638 |
| Retained earnings to average equity (ytd only) | -328.2636% | 4,621 |
| Net charge-offs to loans | 51.4386% | 2 |
| Credit loss provision to net charge-offs | 94.5782% | 1,482 |
| Earnings coverage of net charge-offs (x) | -4.0333% | 4,624 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 17.3321% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0100% | 4,532 |
| Net loans and leases to deposits | 0.0186% | 4,530 |
| Net loans and leases to core deposits | 0.6120% | 4,514 |
| Total domestic deposits to total assets | 73.8600% | 4,203 |
| Equity capital to assets | 16.6363% | 404 |
| Core capital (leverage) ratio | 14.0288% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 1,538.5997% | 1 |
| Memoranda: | ||
| Average total assets | $4,840,603,333 | 274 |
| Average earning assets | $4,454,268,333 | 270 |
| Average equity | $339,111,000 | 351 |
| Average total loans | $229,625,333 | 2,096 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4133% | 204 |
| Cost of funding earning assets | 4.6519% | 2 |
| Net interest margin | 1.7614% | 4,611 |
| Noninterest income to average assets | -6.7600% | 4,676 |
| Noninterest expense to average assets | 7.8873% | 135 |
| Loan and lease loss provision to assets | 3.3300% | 13 |
| Net operating income to assets | -16.3540% | 4,688 |
| Return on assets (ROA) | -32.5019% | 4,691 |
| Pretax return on assets | -32.6751% | 4,691 |
| Return on Equity (ROE) | -535.2300% | 4,663 |
| Retained earnings to average equity (ytd only) | -535.2256% | 4,692 |
| Net charge-offs to loans | 68.5988% | 1 |
| Credit loss provision to net charge-offs | 94.6253% | 1,160 |
| Earnings coverage of net charge-offs (x) | -3.6536% | 4,655 |
| Efficiency ratio | 0.0000% | 4,671 |
| Assets per employee ($millions) | 5.7671% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0292% | 4,578 |
| Loan loss allowance to noncurrent loans | 1.7755% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 2,932 |
| Noncurrent loans to loans | 1.6446% | 387 |
| Net loans and leases to total assets | 5.0800% | 4,591 |
| Net loans and leases to deposits | 6.3730% | 4,592 |
| Net loans and leases to core deposits | 126.8795% | 319 |
| Total domestic deposits to total assets | 79.7600% | 3,792 |
| Equity capital to assets | 12.3123% | 913 |
| Core capital (leverage) ratio | 3.6302% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 99.1772% | 63 |
| Memoranda: | ||
| Average total assets | $6,619,617,000 | 226 |
| Average earning assets | $6,064,282,000 | 223 |
| Average equity | $401,980,000 | 314 |
| Average total loans | $344,350,000 | 1,638 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3290% | 4,558 |
| Cost of funding earning assets | 0.5028% | 1,369 |
| Net interest margin | 1.8262% | 4,596 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 0.8302% | 4,664 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.0597% | 2,338 |
| Return on assets (ROA) | -4.9329% | 4,707 |
| Pretax return on assets | -4.8877% | 4,707 |
| Return on Equity (ROE) | -62.7900% | 4,706 |
| Retained earnings to average equity (ytd only) | -67.0909% | 4,723 |
| Net charge-offs to loans | 0.0505% | 1,163 |
| Credit loss provision to net charge-offs | -511.0000% | 4,634 |
| Earnings coverage of net charge-offs (x) | 228.3071% | 587 |
| Efficiency ratio | 43.4445% | 4,442 |
| Assets per employee ($millions) | 23.6037% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4450% | 4,478 |
| Loan loss allowance to noncurrent loans | 79.0057% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,512 |
| Noncurrent loans to loans | 0.5632% | 1,321 |
| Net loans and leases to total assets | 5.2000% | 4,620 |
| Net loans and leases to deposits | 9.3032% | 4,617 |
| Net loans and leases to core deposits | 15.0865% | 4,587 |
| Total domestic deposits to total assets | 55.8800% | 4,597 |
| Equity capital to assets | 5.0361% | 4,358 |
| Core capital (leverage) ratio | 5.1198% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.6062% | 95 |
| Memoranda: | ||
| Average total assets | $14,788,002,800 | 127 |
| Average earning assets | $14,052,452,200 | 122 |
| Average equity | $1,161,811,400 | 154 |
| Average total loans | $1,385,519,600 | 513 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8978% | 4,627 |
| Cost of funding earning assets | 0.0936% | 4,331 |
| Net interest margin | 1.8043% | 4,601 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 0.7062% | 4,715 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.0036% | 2,471 |
| Return on assets (ROA) | 0.9982% | 2,453 |
| Pretax return on assets | 1.2785% | 2,114 |
| Return on Equity (ROE) | 11.9300% | 2,055 |
| Retained earnings to average equity (ytd only) | 8.3642% | 1,861 |
| Net charge-offs to loans | 0.0560% | 925 |
| Credit loss provision to net charge-offs | -462.4060% | 4,693 |
| Earnings coverage of net charge-offs (x) | 222.2075% | 587 |
| Efficiency ratio | 35.9319% | 4,647 |
| Assets per employee ($millions) | 35.5099% | 39 |
| Cash dividends to net income (ytd only)* | 29.8793% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2276% | 4,615 |
| Loan loss allowance to noncurrent loans | 85.6526% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 3,695 |
| Noncurrent loans to loans | 0.2657% | 2,311 |
| Net loans and leases to total assets | 9.1200% | 4,652 |
| Net loans and leases to deposits | 10.4870% | 4,655 |
| Net loans and leases to core deposits | 11.5134% | 4,637 |
| Total domestic deposits to total assets | 86.9600% | 2,779 |
| Equity capital to assets | 7.2798% | 3,353 |
| Core capital (leverage) ratio | 10.4498% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5341% | 120 |
| Memoranda: | ||
| Average total assets | $15,646,659,500 | 121 |
| Average earning assets | $14,976,302,500 | 118 |
| Average equity | $1,309,322,250 | 141 |
| Average total loans | $1,583,696,500 | 449 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6084% | 4,695 |
| Cost of funding earning assets | 0.0117% | 4,740 |
| Net interest margin | 1.5967% | 4,675 |
| Noninterest income to average assets | 0.2469% | 3,692 |
| Noninterest expense to average assets | 0.6573% | 4,745 |
| Loan and lease loss provision to assets | -0.0314% | 4,471 |
| Net operating income to assets | 0.9236% | 2,474 |
| Return on assets (ROA) | 0.9155% | 2,483 |
| Pretax return on assets | 1.1517% | 2,236 |
| Return on Equity (ROE) | 10.5002% | 2,169 |
| Retained earnings to average equity (ytd only) | 10.5002% | 904 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7658% | 4,672 |
| Assets per employee ($millions) | 44.2430% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3019% | 4,660 |
| Loan loss allowance to noncurrent loans | 119.2803% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,755 |
| Noncurrent loans to loans | 0.2531% | 2,464 |
| Net loans and leases to total assets | 9.3385% | 4,714 |
| Net loans and leases to deposits | 10.8547% | 4,714 |
| Net loans and leases to core deposits | 10.8547% | 4,706 |
| Total domestic deposits to total assets | 86.0318% | 3,237 |
| Equity capital to assets | 7.8596% | 3,232 |
| Core capital (leverage) ratio | 9.9404% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.2393% | 87 |
| Memoranda: | ||
| Average total assets | $15,772,460,667 | 120 |
| Average earning assets | $15,222,102,000 | 113 |
| Average equity | $1,375,237,333 | 139 |
| Average total loans | $1,646,393,333 | 430 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3237% | 4,740 |
| Cost of funding earning assets | 0.0024% | 4,769 |
| Net interest margin | 1.3214% | 4,718 |
| Noninterest income to average assets | 0.2545% | 3,620 |
| Noninterest expense to average assets | 0.6488% | 4,769 |
| Loan and lease loss provision to assets | -0.0626% | 4,538 |
| Net operating income to assets | 0.7658% | 2,795 |
| Return on assets (ROA) | 0.7536% | 2,834 |
| Pretax return on assets | 0.9371% | 2,643 |
| Return on Equity (ROE) | 8.2389% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.2389% | 1,508 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1698% | 4,604 |
| Assets per employee ($millions) | 51.0008% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2643% | 4,704 |
| Loan loss allowance to noncurrent loans | 122.3018% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,813 |
| Noncurrent loans to loans | 0.2161% | 2,738 |
| Net loans and leases to total assets | 10.7403% | 4,734 |
| Net loans and leases to deposits | 12.4929% | 4,736 |
| Net loans and leases to core deposits | 12.4929% | 4,730 |
| Total domestic deposits to total assets | 85.9712% | 3,266 |
| Equity capital to assets | 8.6590% | 3,018 |
| Core capital (leverage) ratio | 9.5127% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.4527% | 90 |
| Memoranda: | ||
| Average total assets | $15,805,551,500 | 122 |
| Average earning assets | $15,360,325,500 | 114 |
| Average equity | $1,445,628,000 | 137 |
| Average total loans | $1,734,005,500 | 412 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2208% | 4,771 |
| Cost of funding earning assets | 0.0013% | 4,820 |
| Net interest margin | 1.2195% | 4,756 |
| Noninterest income to average assets | 0.3677% | 3,233 |
| Noninterest expense to average assets | 0.7836% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7093% | 3,601 |
| Return on assets (ROA) | 0.7531% | 3,543 |
| Pretax return on assets | 0.8288% | 3,670 |
| Return on Equity (ROE) | 9.1621% | 2,850 |
| Retained earnings to average equity (ytd only) | 9.1621% | 1,149 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0943% | 4,277 |
| Assets per employee ($millions) | 57.9886% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3869% | 4,692 |
| Loan loss allowance to noncurrent loans | 172.5980% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,878 |
| Noncurrent loans to loans | 0.2242% | 2,839 |
| Net loans and leases to total assets | 11.1247% | 4,776 |
| Net loans and leases to deposits | 12.3858% | 4,783 |
| Net loans and leases to core deposits | 12.3858% | 4,775 |
| Total domestic deposits to total assets | 89.8188% | 1,051 |
| Equity capital to assets | 9.6215% | 3,028 |
| Core capital (leverage) ratio | 10.4933% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.1493% | 64 |
| Memoranda: | ||
| Average total assets | $10,884,141,200 | 152 |
| Average earning assets | $10,679,809,800 | 145 |
| Average equity | $894,679,600 | 181 |
| Average total loans | $1,634,066,200 | 433 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2980% | 4,844 |
| Cost of funding earning assets | 0.0015% | 4,891 |
| Net interest margin | 1.2964% | 4,830 |
| Noninterest income to average assets | 0.4029% | 3,067 |
| Noninterest expense to average assets | 0.8447% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7609% | 3,623 |
| Return on assets (ROA) | 0.8264% | 3,519 |
| Pretax return on assets | 0.9045% | 3,682 |
| Return on Equity (ROE) | 10.8219% | 2,429 |
| Retained earnings to average equity (ytd only) | 10.8219% | 1,100 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3609% | 4,193 |
| Assets per employee ($millions) | 52.1469% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4230% | 4,758 |
| Loan loss allowance to noncurrent loans | 115.3243% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,840 |
| Noncurrent loans to loans | 0.3668% | 2,465 |
| Net loans and leases to total assets | 12.7442% | 4,845 |
| Net loans and leases to deposits | 13.8902% | 4,850 |
| Net loans and leases to core deposits | 13.8902% | 4,842 |
| Total domestic deposits to total assets | 91.7494% | 179 |
| Equity capital to assets | 8.0512% | 4,495 |
| Core capital (leverage) ratio | 8.2356% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.3748% | 92 |
| Memoranda: | ||
| Average total assets | $9,603,964,750 | 164 |
| Average earning assets | $9,440,163,250 | 157 |
| Average equity | $733,371,500 | 207 |
| Average total loans | $1,595,729,000 | 446 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2811% | 4,884 |
| Cost of funding earning assets | 0.0019% | 4,929 |
| Net interest margin | 1.2792% | 4,871 |
| Noninterest income to average assets | 0.4717% | 2,746 |
| Noninterest expense to average assets | 0.9226% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8242% | 3,440 |
| Return on assets (ROA) | 0.8242% | 3,509 |
| Pretax return on assets | 0.8101% | 3,846 |
| Return on Equity (ROE) | 11.0934% | 2,398 |
| Retained earnings to average equity (ytd only) | 11.0934% | 1,107 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2473% | 3,895 |
| Assets per employee ($millions) | 56.1516% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4624% | 4,765 |
| Loan loss allowance to noncurrent loans | 90.2872% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,812 |
| Noncurrent loans to loans | 0.5122% | 2,140 |
| Net loans and leases to total assets | 12.1063% | 4,885 |
| Net loans and leases to deposits | 13.0751% | 4,891 |
| Net loans and leases to core deposits | 13.0751% | 4,884 |
| Total domestic deposits to total assets | 92.5902% | 63 |
| Equity capital to assets | 7.1583% | 4,812 |
| Core capital (leverage) ratio | 7.8786% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6882% | 89 |
| Memoranda: | ||
| Average total assets | $8,546,625,333 | 179 |
| Average earning assets | $8,424,831,667 | 166 |
| Average equity | $634,955,000 | 234 |
| Average total loans | $1,582,603,000 | 455 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4164% | 4,909 |
| Cost of funding earning assets | 0.0027% | 4,957 |
| Net interest margin | 1.4137% | 4,886 |
| Noninterest income to average assets | 0.4851% | 2,674 |
| Noninterest expense to average assets | 1.1379% | 4,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8024% | 3,419 |
| Return on assets (ROA) | 0.8024% | 3,488 |
| Pretax return on assets | 0.7415% | 3,931 |
| Return on Equity (ROE) | 10.4486% | 2,551 |
| Retained earnings to average equity (ytd only) | 10.4486% | 1,536 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5468% | 2,967 |
| Assets per employee ($millions) | 34.9395% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4236% | 4,814 |
| Loan loss allowance to noncurrent loans | 131.2583% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 3,889 |
| Noncurrent loans to loans | 0.3227% | 2,947 |
| Net loans and leases to total assets | 20.9579% | 4,847 |
| Net loans and leases to deposits | 23.1733% | 4,860 |
| Net loans and leases to core deposits | 23.1733% | 4,867 |
| Total domestic deposits to total assets | 90.4400% | 609 |
| Equity capital to assets | 9.2353% | 3,464 |
| Core capital (leverage) ratio | 9.4958% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.8037% | 67 |
| Memoranda: | ||
| Average total assets | $6,671,341,500 | 215 |
| Average earning assets | $6,580,195,500 | 200 |
| Average equity | $512,300,500 | 267 |
| Average total loans | $1,626,080,500 | 442 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7259% | 4,785 |
| Cost of funding earning assets | 0.2105% | 4,549 |
| Net interest margin | 2.5154% | 4,571 |
| Noninterest income to average assets | 0.5139% | 2,571 |
| Noninterest expense to average assets | 1.8969% | 4,325 |
| Loan and lease loss provision to assets | 0.0248% | 4,087 |
| Net operating income to assets | 0.8583% | 2,869 |
| Return on assets (ROA) | 0.9611% | 2,583 |
| Pretax return on assets | 1.1676% | 2,449 |
| Return on Equity (ROE) | 10.7247% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.7247% | 465 |
| Net charge-offs to loans | 0.0013% | 3,373 |
| Credit loss provision to net charge-offs | 4,364.7059% | 240 |
| Earnings coverage of net charge-offs (x) | 1,881.0588% | 60 |
| Efficiency ratio | 63.9985% | 2,821 |
| Assets per employee ($millions) | 26.1033% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4270% | 4,842 |
| Loan loss allowance to noncurrent loans | 140.6263% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,886 |
| Noncurrent loans to loans | 0.3036% | 3,112 |
| Net loans and leases to total assets | 28.8700% | 4,781 |
| Net loans and leases to deposits | 30.7183% | 4,825 |
| Net loans and leases to core deposits | 30.7183% | 4,843 |
| Total domestic deposits to total assets | 93.9832% | 6 |
| Equity capital to assets | 5.5183% | 4,986 |
| Core capital (leverage) ratio | 8.2231% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3228% | 488 |
| Memoranda: | ||
| Average total assets | $2,996,767,800 | 338 |
| Average earning assets | $2,918,983,600 | 321 |
| Average equity | $268,547,600 | 398 |
| Average total loans | $1,263,594,000 | 524 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3632% | 4,397 |
| Cost of funding earning assets | 0.3574% | 4,019 |
| Net interest margin | 3.0058% | 3,966 |
| Noninterest income to average assets | 0.5988% | 2,183 |
| Noninterest expense to average assets | 2.2575% | 3,539 |
| Loan and lease loss provision to assets | 0.0334% | 3,921 |
| Net operating income to assets | 0.9252% | 2,611 |
| Return on assets (ROA) | 1.0935% | 2,134 |
| Pretax return on assets | 1.4304% | 1,634 |
| Return on Equity (ROE) | 9.9335% | 2,043 |
| Retained earnings to average equity (ytd only) | 9.9335% | 775 |
| Net charge-offs to loans | 0.0019% | 3,136 |
| Credit loss provision to net charge-offs | 3,464.7059% | 313 |
| Earnings coverage of net charge-offs (x) | 1,296.4706% | 90 |
| Efficiency ratio | 64.3481% | 2,680 |
| Assets per employee ($millions) | 12.1880% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4802% | 4,829 |
| Loan loss allowance to noncurrent loans | 167.2768% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 3,637 |
| Noncurrent loans to loans | 0.2871% | 3,254 |
| Net loans and leases to total assets | 53.4913% | 3,847 |
| Net loans and leases to deposits | 61.1105% | 3,985 |
| Net loans and leases to core deposits | 61.1105% | 4,152 |
| Total domestic deposits to total assets | 87.5321% | 1,427 |
| Equity capital to assets | 10.9422% | 2,432 |
| Core capital (leverage) ratio | 9.8386% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4660% | 486 |
| Memoranda: | ||
| Average total assets | $2,349,431,000 | 410 |
| Average earning assets | $2,274,185,500 | 387 |
| Average equity | $258,619,500 | 400 |
| Average total loans | $1,174,585,500 | 545 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4791% | 4,440 |
| Cost of funding earning assets | 0.5461% | 3,263 |
| Net interest margin | 2.9330% | 4,254 |
| Noninterest income to average assets | 0.5852% | 2,187 |
| Noninterest expense to average assets | 2.3233% | 3,461 |
| Loan and lease loss provision to assets | 0.0521% | 3,652 |
| Net operating income to assets | 0.7356% | 3,259 |
| Return on assets (ROA) | 0.9982% | 2,461 |
| Pretax return on assets | 1.3830% | 1,767 |
| Return on Equity (ROE) | 9.0472% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.0472% | 992 |
| Net charge-offs to loans | 0.0031% | 2,886 |
| Credit loss provision to net charge-offs | 3,464.7059% | 318 |
| Earnings coverage of net charge-offs (x) | 732.7647% | 132 |
| Efficiency ratio | 67.8114% | 2,259 |
| Assets per employee ($millions) | 11.1430% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6027% | 4,738 |
| Loan loss allowance to noncurrent loans | 151.5009% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 3,565 |
| Noncurrent loans to loans | 0.3978% | 2,980 |
| Net loans and leases to total assets | 47.6652% | 4,276 |
| Net loans and leases to deposits | 66.2337% | 3,701 |
| Net loans and leases to core deposits | 66.2436% | 3,960 |
| Total domestic deposits to total assets | 71.9651% | 4,712 |
| Equity capital to assets | 11.5432% | 1,942 |
| Core capital (leverage) ratio | 10.9239% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1658% | 441 |
| Memoranda: | ||
| Average total assets | $2,259,099,667 | 416 |
| Average earning assets | $2,188,219,333 | 392 |
| Average equity | $249,248,667 | 411 |
| Average total loans | $1,096,626,333 | 573 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,349 |
| Cost of funding earning assets | 0.7938% | 2,430 |
| Net interest margin | 2.9269% | 4,391 |
| Noninterest income to average assets | 0.6732% | 1,759 |
| Noninterest expense to average assets | 2.3460% | 3,668 |
| Loan and lease loss provision to assets | 0.0660% | 2,940 |
| Net operating income to assets | 0.7762% | 2,990 |
| Return on assets (ROA) | 0.9467% | 2,460 |
| Pretax return on assets | 1.3217% | 1,808 |
| Return on Equity (ROE) | 8.7951% | 2,194 |
| Retained earnings to average equity (ytd only) | 8.7951% | 1,029 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6872% | 2,865 |
| Assets per employee ($millions) | 11.1061% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5850% | 4,779 |
| Loan loss allowance to noncurrent loans | 130.0674% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 3,594 |
| Noncurrent loans to loans | 0.4498% | 2,902 |
| Net loans and leases to total assets | 48.2425% | 4,323 |
| Net loans and leases to deposits | 55.2602% | 4,391 |
| Net loans and leases to core deposits | 59.4320% | 4,383 |
| Total domestic deposits to total assets | 87.3006% | 1,424 |
| Equity capital to assets | 10.6570% | 3,185 |
| Core capital (leverage) ratio | 10.3284% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5542% | 469 |
| Memoranda: | ||
| Average total assets | $2,218,629,500 | 412 |
| Average earning assets | $2,156,256,500 | 388 |
| Average equity | $238,815,500 | 423 |
| Average total loans | $1,083,866,000 | 557 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 4,260 |
| Cost of funding earning assets | 0.4336% | 4,327 |
| Net interest margin | 3.5656% | 3,242 |
| Noninterest income to average assets | 0.7198% | 1,744 |
| Noninterest expense to average assets | 2.4246% | 3,624 |
| Loan and lease loss provision to assets | -0.0211% | 4,959 |
| Net operating income to assets | 1.2845% | 1,751 |
| Return on assets (ROA) | 1.3121% | 1,724 |
| Pretax return on assets | 1.8282% | 877 |
| Return on Equity (ROE) | 12.4977% | 1,328 |
| Retained earnings to average equity (ytd only) | 12.4977% | 202 |
| Net charge-offs to loans | 0.0097% | 3,337 |
| Credit loss provision to net charge-offs | -472.0430% | 4,417 |
| Earnings coverage of net charge-offs (x) | 395.8280% | 232 |
| Efficiency ratio | 57.7718% | 4,003 |
| Assets per employee ($millions) | 9.9401% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5915% | 4,754 |
| Loan loss allowance to noncurrent loans | 106.2833% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 3,305 |
| Noncurrent loans to loans | 0.5565% | 2,507 |
| Net loans and leases to total assets | 48.9166% | 4,375 |
| Net loans and leases to deposits | 56.7446% | 4,432 |
| Net loans and leases to core deposits | 68.8497% | 4,035 |
| Total domestic deposits to total assets | 86.2047% | 1,983 |
| Equity capital to assets | 10.8805% | 3,107 |
| Core capital (leverage) ratio | 10.5202% | 2,932 |
| Tier 1 risk-based capital ratio | 24.5539% | 784 |
| Total risk-based capital ratio | 25.2439% | 807 |
| Memoranda: | ||
| Average total assets | $2,077,163,600 | 410 |
| Average earning assets | $2,025,527,600 | 386 |
| Average equity | $218,072,600 | 443 |
| Average total loans | $957,198,400 | 601 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 4,300 |
| Cost of funding earning assets | 0.3055% | 4,785 |
| Net interest margin | 3.7256% | 2,836 |
| Noninterest income to average assets | 0.8163% | 1,370 |
| Noninterest expense to average assets | 2.4055% | 3,662 |
| Loan and lease loss provision to assets | -0.0283% | 5,093 |
| Net operating income to assets | 1.4904% | 1,213 |
| Return on assets (ROA) | 1.4895% | 1,272 |
| Pretax return on assets | 2.0728% | 587 |
| Return on Equity (ROE) | 14.3222% | 922 |
| Retained earnings to average equity (ytd only) | 14.3222% | 192 |
| Net charge-offs to loans | 0.0133% | 2,900 |
| Credit loss provision to net charge-offs | -472.0430% | 4,318 |
| Earnings coverage of net charge-offs (x) | 340.5829% | 287 |
| Efficiency ratio | 54.0443% | 4,389 |
| Assets per employee ($millions) | 10.3060% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 4,790 |
| Loan loss allowance to noncurrent loans | 93.4773% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 3,288 |
| Noncurrent loans to loans | 0.6560% | 2,317 |
| Net loans and leases to total assets | 47.0343% | 4,550 |
| Net loans and leases to deposits | 53.9727% | 4,632 |
| Net loans and leases to core deposits | 65.3097% | 4,312 |
| Total domestic deposits to total assets | 87.1446% | 1,451 |
| Equity capital to assets | 11.1071% | 3,005 |
| Core capital (leverage) ratio | 10.0070% | 3,638 |
| Tier 1 risk-based capital ratio | 24.3048% | 820 |
| Total risk-based capital ratio | 25.0003% | 854 |
| Memoranda: | ||
| Average total assets | $2,064,659,250 | 414 |
| Average earning assets | $2,014,326,000 | 387 |
| Average equity | $214,729,000 | 451 |
| Average total loans | $934,814,250 | 612 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 4,463 |
| Cost of funding earning assets | 0.1998% | 5,075 |
| Net interest margin | 3.7602% | 2,717 |
| Noninterest income to average assets | 0.9821% | 904 |
| Noninterest expense to average assets | 2.4590% | 3,592 |
| Loan and lease loss provision to assets | 0.0410% | 2,992 |
| Net operating income to assets | 1.5539% | 1,007 |
| Return on assets (ROA) | 1.5539% | 1,046 |
| Pretax return on assets | 2.1578% | 488 |
| Return on Equity (ROE) | 15.3028% | 701 |
| Retained earnings to average equity (ytd only) | 15.3028% | 159 |
| Net charge-offs to loans | 0.0204% | 2,451 |
| Credit loss provision to net charge-offs | 450.5376% | 647 |
| Earnings coverage of net charge-offs (x) | 241.3763% | 336 |
| Efficiency ratio | 52.7927% | 4,582 |
| Assets per employee ($millions) | 10.9188% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7602% | 4,583 |
| Loan loss allowance to noncurrent loans | 94.8211% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 3,188 |
| Noncurrent loans to loans | 0.8017% | 1,990 |
| Net loans and leases to total assets | 41.1124% | 4,815 |
| Net loans and leases to deposits | 47.1764% | 4,871 |
| Net loans and leases to core deposits | 54.0619% | 4,779 |
| Total domestic deposits to total assets | 87.1461% | 1,518 |
| Equity capital to assets | 9.8506% | 4,093 |
| Core capital (leverage) ratio | 10.6248% | 2,958 |
| Tier 1 risk-based capital ratio | 24.6589% | 789 |
| Total risk-based capital ratio | 25.4857% | 808 |
| Memoranda: | ||
| Average total assets | $2,041,766,670 | 418 |
| Average earning assets | $1,995,942,330 | 390 |
| Average equity | $207,321,670 | 461 |
| Average total loans | $909,888,670 | 632 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 3,820 |
| Cost of funding earning assets | 0.0876% | 5,295 |
| Net interest margin | 4.1262% | 1,486 |
| Noninterest income to average assets | 1.6200% | 338 |
| Noninterest expense to average assets | 2.6402% | 3,083 |
| Loan and lease loss provision to assets | 0.0550% | 2,569 |
| Net operating income to assets | 2.0919% | 329 |
| Return on assets (ROA) | 2.0919% | 345 |
| Pretax return on assets | 2.9669% | 133 |
| Return on Equity (ROE) | 20.2534% | 251 |
| Retained earnings to average equity (ytd only) | 20.2534% | 101 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6303% | 5,000 |
| Assets per employee ($millions) | 8.9015% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 4,458 |
| Loan loss allowance to noncurrent loans | 96.3606% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 3,043 |
| Noncurrent loans to loans | 0.8512% | 1,934 |
| Net loans and leases to total assets | 44.7899% | 4,710 |
| Net loans and leases to deposits | 52.4514% | 4,735 |
| Net loans and leases to core deposits | 52.4780% | 4,828 |
| Total domestic deposits to total assets | 85.3932% | 2,531 |
| Equity capital to assets | 10.9204% | 2,929 |
| Core capital (leverage) ratio | 10.5206% | 3,030 |
| Tier 1 risk-based capital ratio | 27.8409% | 570 |
| Total risk-based capital ratio | 28.7909% | 580 |
| Memoranda: | ||
| Average total assets | $1,943,469,500 | 442 |
| Average earning assets | $1,903,857,000 | 413 |
| Average equity | $200,736,500 | 471 |
| Average total loans | $901,186,500 | 641 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 4,443 |
| Cost of funding earning assets | 0.0950% | 5,296 |
| Net interest margin | 3.7247% | 2,946 |
| Noninterest income to average assets | 0.3889% | 3,506 |
| Noninterest expense to average assets | 2.4103% | 3,850 |
| Loan and lease loss provision to assets | -0.0791% | 5,242 |
| Net operating income to assets | 1.2712% | 1,909 |
| Return on assets (ROA) | 1.2712% | 1,907 |
| Pretax return on assets | 1.7300% | 1,090 |
| Return on Equity (ROE) | 15.7677% | 677 |
| Retained earnings to average equity (ytd only) | 15.7677% | 91 |
| Net charge-offs to loans | -0.0095% | 4,475 |
| Credit loss provision to net charge-offs | 1,796.4706% | 243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3497% | 3,964 |
| Assets per employee ($millions) | 10.2554% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7076% | 4,792 |
| Loan loss allowance to noncurrent loans | 81.7784% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 2,903 |
| Noncurrent loans to loans | 0.8652% | 1,866 |
| Net loans and leases to total assets | 47.1753% | 4,687 |
| Net loans and leases to deposits | 52.4952% | 4,806 |
| Net loans and leases to core deposits | 52.5479% | 4,888 |
| Total domestic deposits to total assets | 89.8659% | 520 |
| Equity capital to assets | 9.7705% | 3,885 |
| Core capital (leverage) ratio | 8.5139% | 5,026 |
| Tier 1 risk-based capital ratio | 23.6784% | 850 |
| Total risk-based capital ratio | 24.4988% | 863 |
| Memoranda: | ||
| Average total assets | $1,931,071,200 | 424 |
| Average earning assets | $1,903,937,800 | 405 |
| Average equity | $155,685,400 | 553 |
| Average total loans | $897,036,000 | 617 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 4,781 |
| Cost of funding earning assets | 0.0995% | 5,355 |
| Net interest margin | 3.5129% | 3,648 |
| Noninterest income to average assets | 0.3844% | 3,572 |
| Noninterest expense to average assets | 2.3220% | 4,047 |
| Loan and lease loss provision to assets | 0.0103% | 3,784 |
| Net operating income to assets | 1.0928% | 2,696 |
| Return on assets (ROA) | 1.0928% | 2,712 |
| Pretax return on assets | 1.5160% | 1,849 |
| Return on Equity (ROE) | 14.3485% | 1,026 |
| Retained earnings to average equity (ytd only) | 14.3485% | 216 |
| Net charge-offs to loans | -0.0113% | 4,435 |
| Credit loss provision to net charge-offs | -197.3333% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3374% | 3,764 |
| Assets per employee ($millions) | 10.5222% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,038 |
| Loan loss allowance to noncurrent loans | 86.5724% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 2,876 |
| Noncurrent loans to loans | 1.1006% | 1,546 |
| Net loans and leases to total assets | 40.6202% | 5,011 |
| Net loans and leases to deposits | 44.4171% | 5,100 |
| Net loans and leases to core deposits | 44.4578% | 5,156 |
| Total domestic deposits to total assets | 91.4518% | 137 |
| Equity capital to assets | 8.2263% | 5,071 |
| Core capital (leverage) ratio | 9.1231% | 4,598 |
| Tier 1 risk-based capital ratio | 22.7151% | 971 |
| Total risk-based capital ratio | 23.8100% | 961 |
| Memoranda: | ||
| Average total assets | $1,913,886,000 | 425 |
| Average earning assets | $1,887,194,500 | 406 |
| Average equity | $145,758,750 | 586 |
| Average total loans | $883,760,000 | 622 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5831% | 4,788 |
| Cost of funding earning assets | 0.1113% | 5,375 |
| Net interest margin | 3.4719% | 3,728 |
| Noninterest income to average assets | 0.3631% | 3,727 |
| Noninterest expense to average assets | 2.4298% | 3,824 |
| Loan and lease loss provision to assets | 0.0161% | 3,563 |
| Net operating income to assets | 0.9682% | 3,150 |
| Return on assets (ROA) | 0.9682% | 3,155 |
| Pretax return on assets | 1.3396% | 2,364 |
| Return on Equity (ROE) | 13.1232% | 1,330 |
| Retained earnings to average equity (ytd only) | 13.1232% | 365 |
| Net charge-offs to loans | -0.0029% | 4,007 |
| Credit loss provision to net charge-offs | -1,138.4615% | 4,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1867% | 3,291 |
| Assets per employee ($millions) | 8.7352% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,219 |
| Loan loss allowance to noncurrent loans | 82.1429% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 2,458 |
| Noncurrent loans to loans | 1.1273% | 1,562 |
| Net loans and leases to total assets | 51.7664% | 4,491 |
| Net loans and leases to deposits | 57.2844% | 4,680 |
| Net loans and leases to core deposits | 57.3843% | 4,818 |
| Total domestic deposits to total assets | 90.3674% | 446 |
| Equity capital to assets | 9.2673% | 4,320 |
| Core capital (leverage) ratio | 8.8099% | 4,871 |
| Tier 1 risk-based capital ratio | 20.1815% | 1,292 |
| Total risk-based capital ratio | 21.2479% | 1,294 |
| Memoranda: | ||
| Average total assets | $1,836,340,330 | 442 |
| Average earning assets | $1,810,206,330 | 417 |
| Average equity | $135,485,330 | 629 |
| Average total loans | $884,909,670 | 621 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3405% | 5,080 |
| Cost of funding earning assets | 0.1177% | 5,401 |
| Net interest margin | 3.2228% | 4,393 |
| Noninterest income to average assets | 0.2929% | 4,205 |
| Noninterest expense to average assets | 2.2947% | 4,201 |
| Loan and lease loss provision to assets | 0.0302% | 3,108 |
| Net operating income to assets | 0.8287% | 3,597 |
| Return on assets (ROA) | 0.8287% | 3,608 |
| Pretax return on assets | 1.1474% | 2,976 |
| Return on Equity (ROE) | 12.7103% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.7103% | 563 |
| Net charge-offs to loans | -0.0041% | 3,943 |
| Credit loss provision to net charge-offs | -1,588.8889% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0869% | 3,142 |
| Assets per employee ($millions) | 10.3201% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 4,180 |
| Loan loss allowance to noncurrent loans | 140.2057% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 3,173 |
| Noncurrent loans to loans | 0.6836% | 2,499 |
| Net loans and leases to total assets | 45.2587% | 4,836 |
| Net loans and leases to deposits | 49.4704% | 4,983 |
| Net loans and leases to core deposits | 49.5547% | 5,053 |
| Total domestic deposits to total assets | 91.4865% | 188 |
| Equity capital to assets | 8.1455% | 5,209 |
| Core capital (leverage) ratio | 8.1339% | 5,351 |
| Tier 1 risk-based capital ratio | 21.3275% | 1,152 |
| Total risk-based capital ratio | 22.4878% | 1,140 |
| Memoranda: | ||
| Average total assets | $1,894,095,500 | 435 |
| Average earning assets | $1,868,562,000 | 411 |
| Average equity | $123,490,500 | 698 |
| Average total loans | $877,795,500 | 630 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,598 |
| Cost of funding earning assets | 0.4188% | 3,066 |
| Net interest margin | 3.5243% | 3,450 |
| Noninterest income to average assets | 0.2703% | 4,506 |
| Noninterest expense to average assets | 2.4082% | 4,054 |
| Loan and lease loss provision to assets | 0.0211% | 3,879 |
| Net operating income to assets | 0.7007% | 3,601 |
| Return on assets (ROA) | 0.7007% | 3,657 |
| Pretax return on assets | 1.3001% | 2,349 |
| Return on Equity (ROE) | 9.8562% | 1,950 |
| Retained earnings to average equity (ytd only) | 7.7704% | 837 |
| Net charge-offs to loans | 0.0166% | 3,538 |
| Credit loss provision to net charge-offs | 185.2113% | 1,466 |
| Earnings coverage of net charge-offs (x) | 116.0775% | 579 |
| Efficiency ratio | 64.5733% | 3,517 |
| Assets per employee ($millions) | 11.7348% | 200 |
| Cash dividends to net income (ytd only)* | 21.1622% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 4,375 |
| Loan loss allowance to noncurrent loans | 185.1474% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,445 |
| Noncurrent loans to loans | 0.4967% | 3,036 |
| Net loans and leases to total assets | 46.5620% | 4,854 |
| Net loans and leases to deposits | 49.5040% | 5,077 |
| Net loans and leases to core deposits | 49.6407% | 5,147 |
| Total domestic deposits to total assets | 94.0569% | 13 |
| Equity capital to assets | 4.8858% | 5,649 |
| Core capital (leverage) ratio | 6.3275% | 5,625 |
| Tier 1 risk-based capital ratio | 13.1140% | 3,842 |
| Total risk-based capital ratio | 14.2855% | 3,785 |
| Memoranda: | ||
| Average total assets | $1,247,593,800 | 609 |
| Average earning assets | $1,224,497,800 | 576 |
| Average equity | $88,695,200 | 912 |
| Average total loans | $853,441,400 | 616 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 2,243 |
| Cost of funding earning assets | 0.5476% | 1,912 |
| Net interest margin | 3.7599% | 2,538 |
| Noninterest income to average assets | 0.2338% | 4,815 |
| Noninterest expense to average assets | 2.6016% | 3,405 |
| Loan and lease loss provision to assets | 0.0285% | 3,562 |
| Net operating income to assets | 0.7911% | 3,560 |
| Return on assets (ROA) | 0.7911% | 3,616 |
| Pretax return on assets | 1.2855% | 2,567 |
| Return on Equity (ROE) | 9.7971% | 2,205 |
| Retained earnings to average equity (ytd only) | 7.4735% | 1,442 |
| Net charge-offs to loans | 0.0311% | 2,807 |
| Credit loss provision to net charge-offs | 117.7665% | 2,035 |
| Earnings coverage of net charge-offs (x) | 54.3858% | 1,058 |
| Efficiency ratio | 66.4422% | 3,133 |
| Assets per employee ($millions) | 8.1656% | 595 |
| Cash dividends to net income (ytd only)* | 23.7173% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,422 |
| Loan loss allowance to noncurrent loans | 218.1156% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,586 |
| Noncurrent loans to loans | 0.4271% | 3,419 |
| Net loans and leases to total assets | 70.6213% | 2,469 |
| Net loans and leases to deposits | 87.1984% | 2,157 |
| Net loans and leases to core deposits | 87.7569% | 2,799 |
| Total domestic deposits to total assets | 80.9892% | 4,048 |
| Equity capital to assets | 7.4496% | 5,621 |
| Core capital (leverage) ratio | 7.4390% | 5,625 |
| Tier 1 risk-based capital ratio | 13.7337% | 3,560 |
| Total risk-based capital ratio | 14.9816% | 3,494 |
| Memoranda: | ||
| Average total assets | $1,087,167,500 | 685 |
| Average earning assets | $1,064,568,750 | 639 |
| Average equity | $87,792,250 | 927 |
| Average total loans | $844,836,750 | 622 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,341 |
| Cost of funding earning assets | 0.5741% | 1,617 |
| Net interest margin | 3.6609% | 2,791 |
| Noninterest income to average assets | 0.2276% | 4,882 |
| Noninterest expense to average assets | 2.6285% | 3,346 |
| Loan and lease loss provision to assets | 0.0044% | 3,817 |
| Net operating income to assets | 0.7310% | 3,700 |
| Return on assets (ROA) | 0.7310% | 3,765 |
| Pretax return on assets | 1.1764% | 2,870 |
| Return on Equity (ROE) | 8.7882% | 2,612 |
| Retained earnings to average equity (ytd only) | 6.0246% | 2,101 |
| Net charge-offs to loans | 0.0325% | 2,548 |
| Credit loss provision to net charge-offs | 16.9118% | 2,807 |
| Earnings coverage of net charge-offs (x) | 45.3235% | 1,155 |
| Efficiency ratio | 69.0018% | 2,853 |
| Assets per employee ($millions) | 8.4267% | 522 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 4,498 |
| Loan loss allowance to noncurrent loans | 97.0509% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 2,344 |
| Noncurrent loans to loans | 0.9613% | 2,038 |
| Net loans and leases to total assets | 69.8855% | 2,546 |
| Net loans and leases to deposits | 86.8683% | 2,121 |
| Net loans and leases to core deposits | 93.3203% | 2,212 |
| Total domestic deposits to total assets | 80.4500% | 4,311 |
| Equity capital to assets | 7.3310% | 5,678 |
| Core capital (leverage) ratio | 9.0838% | 4,630 |
| Tier 1 risk-based capital ratio | 13.7877% | 3,541 |
| Total risk-based capital ratio | 15.0378% | 3,460 |
| Memoranda: | ||
| Average total assets | $1,043,998,670 | 716 |
| Average earning assets | $1,021,446,000 | 669 |
| Average equity | $86,844,000 | 941 |
| Average total loans | $837,345,670 | 630 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 1,718 |
| Cost of funding earning assets | 0.6353% | 1,160 |
| Net interest margin | 3.7440% | 2,331 |
| Noninterest income to average assets | 0.2014% | 5,060 |
| Noninterest expense to average assets | 2.7886% | 2,832 |
| Loan and lease loss provision to assets | 0.0095% | 3,437 |
| Net operating income to assets | 0.6726% | 3,821 |
| Return on assets (ROA) | 0.6726% | 3,861 |
| Pretax return on assets | 1.0607% | 3,128 |
| Return on Equity (ROE) | 7.5264% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.5264% | 1,643 |
| Net charge-offs to loans | 0.0655% | 1,677 |
| Credit loss provision to net charge-offs | 16.9118% | 2,185 |
| Earnings coverage of net charge-offs (x) | 18.9559% | 1,550 |
| Efficiency ratio | 72.2647% | 2,528 |
| Assets per employee ($millions) | 6.7778% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 4,444 |
| Loan loss allowance to noncurrent loans | 199.1213% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 3,251 |
| Noncurrent loans to loans | 0.4870% | 3,345 |
| Net loans and leases to total assets | 85.3495% | 260 |
| Net loans and leases to deposits | 105.3161% | 347 |
| Net loans and leases to core deposits | 115.3657% | 617 |
| Total domestic deposits to total assets | 81.0413% | 4,406 |
| Equity capital to assets | 9.1699% | 4,646 |
| Core capital (leverage) ratio | 9.5963% | 4,009 |
| Tier 1 risk-based capital ratio | 14.0099% | 3,470 |
| Total risk-based capital ratio | 15.2605% | 3,388 |
| Memoranda: | ||
| Average total assets | $963,492,000 | 784 |
| Average earning assets | $941,235,500 | 731 |
| Average equity | $86,096,500 | 948 |
| Average total loans | $830,988,500 | 636 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 1,858 |
| Cost of funding earning assets | 0.6952% | 828 |
| Net interest margin | 3.6923% | 2,727 |
| Noninterest income to average assets | 0.3468% | 4,254 |
| Noninterest expense to average assets | 2.4424% | 4,183 |
| Loan and lease loss provision to assets | 0.1172% | 2,109 |
| Net operating income to assets | 0.8333% | 3,138 |
| Return on assets (ROA) | 0.8333% | 3,252 |
| Pretax return on assets | 1.3933% | 1,970 |
| Return on Equity (ROE) | 9.5086% | 2,189 |
| Retained earnings to average equity (ytd only) | 2.9136% | 3,828 |
| Net charge-offs to loans | -0.0010% | 4,646 |
| Credit loss provision to net charge-offs | -14,200.0000% | 5,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7869% | 4,292 |
| Assets per employee ($millions) | 7.6413% | 695 |
| Cash dividends to net income (ytd only)* | 69.3584% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 4,562 |
| Loan loss allowance to noncurrent loans | 171.3677% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 3,131 |
| Noncurrent loans to loans | 0.5561% | 3,177 |
| Net loans and leases to total assets | 85.4855% | 269 |
| Net loans and leases to deposits | 108.6021% | 259 |
| Net loans and leases to core deposits | 123.5620% | 394 |
| Total domestic deposits to total assets | 78.7144% | 4,863 |
| Equity capital to assets | 8.7088% | 5,096 |
| Core capital (leverage) ratio | 9.0267% | 4,709 |
| Tier 1 risk-based capital ratio | 13.0637% | 4,025 |
| Total risk-based capital ratio | 14.3131% | 3,937 |
| Memoranda: | ||
| Average total assets | $968,927,400 | 744 |
| Average earning assets | $946,321,200 | 696 |
| Average equity | $84,912,200 | 937 |
| Average total loans | $829,650,000 | 616 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3331% | 2,067 |
| Cost of funding earning assets | 0.6996% | 818 |
| Net interest margin | 3.6335% | 2,948 |
| Noninterest income to average assets | 0.3546% | 4,251 |
| Noninterest expense to average assets | 2.4606% | 4,105 |
| Loan and lease loss provision to assets | 0.1495% | 1,566 |
| Net operating income to assets | 0.7879% | 3,423 |
| Return on assets (ROA) | 0.7879% | 3,564 |
| Pretax return on assets | 1.2932% | 2,453 |
| Return on Equity (ROE) | 8.9761% | 2,501 |
| Retained earnings to average equity (ytd only) | 5.0475% | 2,793 |
| Net charge-offs to loans | 0.0016% | 3,880 |
| Credit loss provision to net charge-offs | 10,840.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 1,046.2356% | 71 |
| Efficiency ratio | 63.0376% | 4,068 |
| Assets per employee ($millions) | 8.0177% | 589 |
| Cash dividends to net income (ytd only)* | 43.7675% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 4,678 |
| Loan loss allowance to noncurrent loans | 239.3157% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 3,669 |
| Noncurrent loans to loans | 0.3956% | 3,851 |
| Net loans and leases to total assets | 84.5932% | 360 |
| Net loans and leases to deposits | 108.4515% | 293 |
| Net loans and leases to core deposits | 123.3713% | 429 |
| Total domestic deposits to total assets | 78.0009% | 4,914 |
| Equity capital to assets | 8.7659% | 5,349 |
| Core capital (leverage) ratio | 9.1336% | 4,680 |
| Tier 1 risk-based capital ratio | 13.2817% | 3,988 |
| Total risk-based capital ratio | 14.5216% | 3,904 |
| Memoranda: | ||
| Average total assets | $966,637,750 | 749 |
| Average earning assets | $944,085,750 | 699 |
| Average equity | $84,845,250 | 943 |
| Average total loans | $826,021,000 | 612 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 2,435 |
| Cost of funding earning assets | 0.6837% | 870 |
| Net interest margin | 3.5392% | 3,334 |
| Noninterest income to average assets | 0.3618% | 4,174 |
| Noninterest expense to average assets | 2.4213% | 4,263 |
| Loan and lease loss provision to assets | 0.1704% | 1,301 |
| Net operating income to assets | 0.7484% | 3,555 |
| Return on assets (ROA) | 0.7484% | 3,711 |
| Pretax return on assets | 1.2273% | 2,679 |
| Return on Equity (ROE) | 8.5232% | 2,738 |
| Retained earnings to average equity (ytd only) | 2.5928% | 4,241 |
| Net charge-offs to loans | 0.0019% | 3,643 |
| Credit loss provision to net charge-offs | 10,225.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 838.7500% | 63 |
| Efficiency ratio | 63.4013% | 4,117 |
| Assets per employee ($millions) | 8.0291% | 555 |
| Cash dividends to net income (ytd only)* | 69.5797% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,824 |
| Loan loss allowance to noncurrent loans | 232.4390% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 3,793 |
| Noncurrent loans to loans | 0.4020% | 3,919 |
| Net loans and leases to total assets | 83.4575% | 467 |
| Net loans and leases to deposits | 113.4116% | 184 |
| Net loans and leases to core deposits | 130.2277% | 305 |
| Total domestic deposits to total assets | 73.5881% | 5,563 |
| Equity capital to assets | 8.6164% | 5,525 |
| Core capital (leverage) ratio | 9.2036% | 4,590 |
| Tier 1 risk-based capital ratio | 12.5899% | 4,456 |
| Total risk-based capital ratio | 13.7530% | 4,433 |
| Memoranda: | ||
| Average total assets | $960,126,330 | 758 |
| Average earning assets | $937,890,330 | 705 |
| Average equity | $84,311,330 | 944 |
| Average total loans | $820,625,330 | 612 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 2,699 |
| Cost of funding earning assets | 0.6569% | 1,019 |
| Net interest margin | 3.4800% | 3,556 |
| Noninterest income to average assets | 0.4537% | 3,459 |
| Noninterest expense to average assets | 2.4322% | 4,284 |
| Loan and lease loss provision to assets | 0.1355% | 1,552 |
| Net operating income to assets | 0.7841% | 3,323 |
| Return on assets (ROA) | 0.7841% | 3,431 |
| Pretax return on assets | 1.2862% | 2,363 |
| Return on Equity (ROE) | 8.8434% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.8434% | 1,161 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1102% | 4,286 |
| Assets per employee ($millions) | 7.9388% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 5,029 |
| Loan loss allowance to noncurrent loans | 174.8245% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 3,341 |
| Noncurrent loans to loans | 0.5201% | 3,626 |
| Net loans and leases to total assets | 82.6162% | 491 |
| Net loans and leases to deposits | 121.9570% | 86 |
| Net loans and leases to core deposits | 142.7100% | 147 |
| Total domestic deposits to total assets | 67.7421% | 5,931 |
| Equity capital to assets | 8.9297% | 5,243 |
| Core capital (leverage) ratio | 9.6461% | 3,971 |
| Tier 1 risk-based capital ratio | 13.7103% | 3,860 |
| Total risk-based capital ratio | 14.8881% | 3,835 |
| Memoranda: | ||
| Average total assets | $950,412,000 | 762 |
| Average earning assets | $928,610,000 | 710 |
| Average equity | $84,266,000 | 943 |
| Average total loans | $818,327,000 | 603 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 2,399 |
| Cost of funding earning assets | 0.5785% | 1,507 |
| Net interest margin | 3.6681% | 2,874 |
| Noninterest income to average assets | 0.3827% | 4,165 |
| Noninterest expense to average assets | 2.2914% | 4,815 |
| Loan and lease loss provision to assets | 0.2075% | 1,019 |
| Net operating income to assets | 0.8848% | 2,954 |
| Return on assets (ROA) | 0.8848% | 3,039 |
| Pretax return on assets | 1.4564% | 1,692 |
| Return on Equity (ROE) | 10.2175% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.2175% | 437 |
| Net charge-offs to loans | -0.0047% | 4,960 |
| Credit loss provision to net charge-offs | -5,015.7895% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9328% | 5,150 |
| Assets per employee ($millions) | 8.1074% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 5,357 |
| Loan loss allowance to noncurrent loans | 164.5992% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 3,357 |
| Noncurrent loans to loans | 0.4976% | 3,700 |
| Net loans and leases to total assets | 88.0784% | 120 |
| Net loans and leases to deposits | 131.7197% | 40 |
| Net loans and leases to core deposits | 159.8571% | 78 |
| Total domestic deposits to total assets | 66.8680% | 6,000 |
| Equity capital to assets | 8.7972% | 5,309 |
| Core capital (leverage) ratio | 9.3959% | 4,329 |
| Tier 1 risk-based capital ratio | 12.9501% | 4,357 |
| Total risk-based capital ratio | 14.0323% | 4,360 |
| Memoranda: | ||
| Average total assets | $918,502,800 | 748 |
| Average earning assets | $894,603,200 | 704 |
| Average equity | $79,540,000 | 957 |
| Average total loans | $814,703,200 | 576 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 2,918 |
| Cost of funding earning assets | 0.5753% | 1,580 |
| Net interest margin | 3.5279% | 3,434 |
| Noninterest income to average assets | 0.6473% | 2,499 |
| Noninterest expense to average assets | 2.3299% | 4,704 |
| Loan and lease loss provision to assets | 0.1784% | 1,174 |
| Net operating income to assets | 0.9497% | 2,713 |
| Return on assets (ROA) | 0.9497% | 2,809 |
| Pretax return on assets | 1.5728% | 1,463 |
| Return on Equity (ROE) | 11.0125% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.0125% | 476 |
| Net charge-offs to loans | -0.0087% | 4,947 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0901% | 5,215 |
| Assets per employee ($millions) | 8.1619% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 5,557 |
| Loan loss allowance to noncurrent loans | 134.4560% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 3,397 |
| Noncurrent loans to loans | 0.5840% | 3,582 |
| Net loans and leases to total assets | 88.4486% | 115 |
| Net loans and leases to deposits | 123.0693% | 78 |
| Net loans and leases to core deposits | 143.7159% | 143 |
| Total domestic deposits to total assets | 71.8689% | 5,866 |
| Equity capital to assets | 9.2220% | 5,092 |
| Core capital (leverage) ratio | 9.5308% | 4,258 |
| Tier 1 risk-based capital ratio | 13.3668% | 4,212 |
| Total risk-based capital ratio | 14.3952% | 4,273 |
| Memoranda: | ||
| Average total assets | $910,986,000 | 764 |
| Average earning assets | $886,653,000 | 717 |
| Average equity | $78,563,000 | 972 |
| Average total loans | $807,782,750 | 585 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 2,907 |
| Cost of funding earning assets | 0.5700% | 1,647 |
| Net interest margin | 3.5264% | 3,385 |
| Noninterest income to average assets | 0.6370% | 2,543 |
| Noninterest expense to average assets | 2.3348% | 4,760 |
| Loan and lease loss provision to assets | 0.2135% | 899 |
| Net operating income to assets | 0.9173% | 2,796 |
| Return on assets (ROA) | 0.9173% | 2,923 |
| Pretax return on assets | 1.5188% | 1,595 |
| Return on Equity (ROE) | 10.8807% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.8807% | 521 |
| Net charge-offs to loans | -0.0089% | 4,889 |
| Credit loss provision to net charge-offs | -2,722.2222% | 5,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4076% | 5,292 |
| Assets per employee ($millions) | 8.1436% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 5,765 |
| Loan loss allowance to noncurrent loans | 122.8807% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 3,657 |
| Noncurrent loans to loans | 0.5866% | 3,698 |
| Net loans and leases to total assets | 87.8295% | 150 |
| Net loans and leases to deposits | 130.7037% | 38 |
| Net loans and leases to core deposits | 153.2426% | 95 |
| Total domestic deposits to total assets | 67.1974% | 6,139 |
| Equity capital to assets | 8.5324% | 5,661 |
| Core capital (leverage) ratio | 8.6084% | 5,431 |
| Tier 1 risk-based capital ratio | 13.1179% | 4,446 |
| Total risk-based capital ratio | 14.1127% | 4,508 |
| Memoranda: | ||
| Average total assets | $918,099,330 | 765 |
| Average earning assets | $893,040,330 | 713 |
| Average equity | $77,403,000 | 989 |
| Average total loans | $812,674,670 | 574 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 4,455 |
| Cost of funding earning assets | 0.5660% | 1,696 |
| Net interest margin | 3.1085% | 4,927 |
| Noninterest income to average assets | 0.1963% | 5,537 |
| Noninterest expense to average assets | 2.2449% | 5,021 |
| Loan and lease loss provision to assets | 0.1404% | 1,461 |
| Net operating income to assets | 0.5061% | 4,653 |
| Return on assets (ROA) | 0.5061% | 4,774 |
| Pretax return on assets | 0.8322% | 4,119 |
| Return on Equity (ROE) | 6.0406% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.0406% | 2,477 |
| Net charge-offs to loans | -0.0323% | 5,293 |
| Credit loss provision to net charge-offs | -490.7692% | 4,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7716% | 3,529 |
| Assets per employee ($millions) | 8.7440% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 6,012 |
| Loan loss allowance to noncurrent loans | 92.1643% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 3,628 |
| Noncurrent loans to loans | 0.6861% | 3,562 |
| Net loans and leases to total assets | 88.0378% | 106 |
| Net loans and leases to deposits | 156.7404% | 15 |
| Net loans and leases to core deposits | 191.0859% | 50 |
| Total domestic deposits to total assets | 56.1679% | 6,342 |
| Equity capital to assets | 8.0511% | 6,007 |
| Core capital (leverage) ratio | 9.0930% | 4,856 |
| Tier 1 risk-based capital ratio | 12.2117% | 5,098 |
| Total risk-based capital ratio | 13.0751% | 5,251 |
| Memoranda: | ||
| Average total assets | $908,893,000 | 771 |
| Average earning assets | $883,397,000 | 723 |
| Average equity | $76,151,000 | 1,008 |
| Average total loans | $804,759,000 | 572 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 3,945 |
| Cost of funding earning assets | 0.6691% | 1,273 |
| Net interest margin | 3.2757% | 4,666 |
| Noninterest income to average assets | 0.6686% | 2,458 |
| Noninterest expense to average assets | 2.6608% | 4,003 |
| Loan and lease loss provision to assets | 0.1432% | 1,856 |
| Net operating income to assets | 0.6300% | 4,236 |
| Return on assets (ROA) | 0.6855% | 4,084 |
| Pretax return on assets | 1.1288% | 2,971 |
| Return on Equity (ROE) | 7.0259% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.0259% | 1,399 |
| Net charge-offs to loans | 0.0057% | 4,820 |
| Credit loss provision to net charge-offs | 2,883.7838% | 110 |
| Earnings coverage of net charge-offs (x) | 238.7568% | 229 |
| Efficiency ratio | 69.1819% | 3,675 |
| Assets per employee ($millions) | 8.8234% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6478% | 6,076 |
| Loan loss allowance to noncurrent loans | 103.2715% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 3,946 |
| Noncurrent loans to loans | 0.6272% | 3,809 |
| Net loans and leases to total assets | 87.9086% | 116 |
| Net loans and leases to deposits | 139.1666% | 24 |
| Net loans and leases to core deposits | 172.5487% | 64 |
| Total domestic deposits to total assets | 63.1679% | 6,365 |
| Equity capital to assets | 8.7392% | 5,544 |
| Core capital (leverage) ratio | 9.4483% | 4,309 |
| Tier 1 risk-based capital ratio | 13.8273% | 4,224 |
| Total risk-based capital ratio | 14.7495% | 4,355 |
| Memoranda: | ||
| Average total assets | $745,305,200 | 905 |
| Average earning assets | $722,961,200 | 846 |
| Average equity | $72,716,400 | 1,005 |
| Average total loans | $644,632,200 | 674 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 4,596 |
| Cost of funding earning assets | 0.6901% | 1,199 |
| Net interest margin | 3.0946% | 5,274 |
| Noninterest income to average assets | 0.7810% | 1,965 |
| Noninterest expense to average assets | 2.7799% | 3,541 |
| Loan and lease loss provision to assets | 0.0738% | 2,865 |
| Net operating income to assets | 0.5618% | 4,625 |
| Return on assets (ROA) | 0.6388% | 4,360 |
| Pretax return on assets | 1.0477% | 3,389 |
| Return on Equity (ROE) | 6.3477% | 4,058 |
| Retained earnings to average equity (ytd only) | 6.3477% | 2,193 |
| Net charge-offs to loans | 0.0054% | 4,506 |
| Credit loss provision to net charge-offs | 1,584.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 214.8962% | 303 |
| Efficiency ratio | 73.5226% | 2,897 |
| Assets per employee ($millions) | 7.6945% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6400% | 6,173 |
| Loan loss allowance to noncurrent loans | 99.2150% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 4,146 |
| Noncurrent loans to loans | 0.6451% | 3,999 |
| Net loans and leases to total assets | 87.5708% | 130 |
| Net loans and leases to deposits | 135.2522% | 27 |
| Net loans and leases to core deposits | 171.8732% | 60 |
| Total domestic deposits to total assets | 64.7463% | 6,425 |
| Equity capital to assets | 9.7049% | 4,546 |
| Core capital (leverage) ratio | 10.0485% | 3,604 |
| Tier 1 risk-based capital ratio | 14.4855% | 3,897 |
| Total risk-based capital ratio | 15.3456% | 4,084 |
| Memoranda: | ||
| Average total assets | $715,458,500 | 947 |
| Average earning assets | $693,582,000 | 890 |
| Average equity | $72,003,750 | 1,018 |
| Average total loans | $614,516,500 | 710 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 4,915 |
| Cost of funding earning assets | 0.6925% | 1,227 |
| Net interest margin | 2.9900% | 5,557 |
| Noninterest income to average assets | 1.0274% | 1,127 |
| Noninterest expense to average assets | 2.9447% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5892% | 4,408 |
| Return on assets (ROA) | 0.6997% | 3,931 |
| Pretax return on assets | 1.1494% | 2,883 |
| Return on Equity (ROE) | 6.8636% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.8636% | 1,835 |
| Net charge-offs to loans | 0.0134% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 85.4750% | 624 |
| Efficiency ratio | 75.0911% | 2,795 |
| Assets per employee ($millions) | 7.4907% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6113% | 6,300 |
| Loan loss allowance to noncurrent loans | 88.0607% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 4,178 |
| Noncurrent loans to loans | 0.6941% | 3,981 |
| Net loans and leases to total assets | 86.0963% | 172 |
| Net loans and leases to deposits | 133.8749% | 31 |
| Net loans and leases to core deposits | 176.5716% | 52 |
| Total domestic deposits to total assets | 64.3110% | 6,507 |
| Equity capital to assets | 9.8972% | 4,252 |
| Core capital (leverage) ratio | 10.3164% | 3,189 |
| Tier 1 risk-based capital ratio | 14.6807% | 3,819 |
| Total risk-based capital ratio | 15.4743% | 4,043 |
| Memoranda: | ||
| Average total assets | $700,026,000 | 965 |
| Average earning assets | $677,594,000 | 912 |
| Average equity | $71,362,330 | 1,020 |
| Average total loans | $595,564,330 | 728 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5082% | 5,397 |
| Cost of funding earning assets | 0.6858% | 1,334 |
| Net interest margin | 2.8225% | 5,893 |
| Noninterest income to average assets | 0.5980% | 2,747 |
| Noninterest expense to average assets | 2.7895% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3259% | 5,407 |
| Return on assets (ROA) | 0.5523% | 4,523 |
| Pretax return on assets | 0.8884% | 3,745 |
| Return on Equity (ROE) | 5.3340% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.3340% | 2,899 |
| Net charge-offs to loans | 0.0209% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 30.4333% | 1,045 |
| Efficiency ratio | 83.9147% | 1,682 |
| Assets per employee ($millions) | 6.7115% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 6,351 |
| Loan loss allowance to noncurrent loans | 108.2199% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 3,288 |
| Noncurrent loans to loans | 0.5946% | 4,375 |
| Net loans and leases to total assets | 83.0100% | 293 |
| Net loans and leases to deposits | 135.4609% | 32 |
| Net loans and leases to core deposits | 182.8254% | 48 |
| Total domestic deposits to total assets | 61.2797% | 6,631 |
| Equity capital to assets | 9.8154% | 4,081 |
| Core capital (leverage) ratio | 11.5619% | 1,925 |
| Tier 1 risk-based capital ratio | 16.2415% | 3,036 |
| Total risk-based capital ratio | 17.1410% | 3,185 |
| Memoranda: | ||
| Average total assets | $682,995,500 | 995 |
| Average earning assets | $659,708,000 | 942 |
| Average equity | $70,716,500 | 1,027 |
| Average total loans | $575,392,000 | 762 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 2,475 |
| Cost of funding earning assets | 0.8119% | 1,150 |
| Net interest margin | 3.6166% | 3,387 |
| Noninterest income to average assets | 0.8321% | 1,929 |
| Noninterest expense to average assets | 3.0301% | 2,967 |
| Loan and lease loss provision to assets | 0.0012% | 5,078 |
| Net operating income to assets | 0.8109% | 3,238 |
| Return on assets (ROA) | 0.8371% | 3,181 |
| Pretax return on assets | 1.3361% | 2,026 |
| Return on Equity (ROE) | 7.6383% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.6383% | 1,175 |
| Net charge-offs to loans | 0.0181% | 5,084 |
| Credit loss provision to net charge-offs | 8.2474% | 4,603 |
| Earnings coverage of net charge-offs (x) | 86.1546% | 526 |
| Efficiency ratio | 70.0359% | 3,836 |
| Assets per employee ($millions) | 6.1649% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 6,319 |
| Loan loss allowance to noncurrent loans | 105.1124% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1378% | 3,122 |
| Noncurrent loans to loans | 0.6853% | 4,260 |
| Net loans and leases to total assets | 84.4217% | 225 |
| Net loans and leases to deposits | 119.2917% | 72 |
| Net loans and leases to core deposits | 161.2464% | 67 |
| Total domestic deposits to total assets | 70.7691% | 6,488 |
| Equity capital to assets | 10.9627% | 2,646 |
| Core capital (leverage) ratio | 11.4176% | 2,020 |
| Tier 1 risk-based capital ratio | 17.4105% | 2,451 |
| Total risk-based capital ratio | 18.3952% | 2,521 |
| Memoranda: | ||
| Average total assets | $644,629,600 | 1,035 |
| Average earning assets | $622,847,800 | 977 |
| Average equity | $70,644,000 | 1,010 |
| Average total loans | $537,088,600 | 783 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,867 |
| Cost of funding earning assets | 0.8319% | 1,146 |
| Net interest margin | 3.7781% | 2,721 |
| Noninterest income to average assets | 0.7700% | 2,281 |
| Noninterest expense to average assets | 3.0584% | 2,793 |
| Loan and lease loss provision to assets | 0.0017% | 4,923 |
| Net operating income to assets | 0.8189% | 3,256 |
| Return on assets (ROA) | 0.8524% | 3,200 |
| Pretax return on assets | 1.4124% | 1,895 |
| Return on Equity (ROE) | 7.7793% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.7793% | 1,510 |
| Net charge-offs to loans | 0.0214% | 4,698 |
| Credit loss provision to net charge-offs | 9.3023% | 4,220 |
| Earnings coverage of net charge-offs (x) | 76.6537% | 614 |
| Efficiency ratio | 69.1948% | 3,889 |
| Assets per employee ($millions) | 5.7078% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 6,358 |
| Loan loss allowance to noncurrent loans | 88.7737% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 3,067 |
| Noncurrent loans to loans | 0.8525% | 4,119 |
| Net loans and leases to total assets | 83.7727% | 261 |
| Net loans and leases to deposits | 110.2689% | 149 |
| Net loans and leases to core deposits | 148.3158% | 98 |
| Total domestic deposits to total assets | 75.9713% | 6,173 |
| Equity capital to assets | 11.1825% | 2,582 |
| Core capital (leverage) ratio | 10.8530% | 2,617 |
| Tier 1 risk-based capital ratio | 18.2093% | 2,241 |
| Total risk-based capital ratio | 19.2615% | 2,282 |
| Memoranda: | ||
| Average total assets | $645,500,250 | 1,043 |
| Average earning assets | $623,606,000 | 984 |
| Average equity | $70,733,250 | 1,014 |
| Average total loans | $535,062,250 | 786 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 3,203 |
| Cost of funding earning assets | 0.8400% | 1,200 |
| Net interest margin | 3.3963% | 4,198 |
| Noninterest income to average assets | 1.0037% | 1,529 |
| Noninterest expense to average assets | 2.9857% | 3,046 |
| Loan and lease loss provision to assets | 0.0024% | 4,755 |
| Net operating income to assets | 0.7941% | 3,326 |
| Return on assets (ROA) | 0.8425% | 3,235 |
| Pretax return on assets | 1.3755% | 2,018 |
| Return on Equity (ROE) | 7.7383% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.7383% | 1,582 |
| Net charge-offs to loans | 0.0181% | 4,477 |
| Credit loss provision to net charge-offs | 16.3265% | 3,808 |
| Earnings coverage of net charge-offs (x) | 87.0612% | 524 |
| Efficiency ratio | 69.6305% | 3,899 |
| Assets per employee ($millions) | 6.1206% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7394% | 6,446 |
| Loan loss allowance to noncurrent loans | 94.7557% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 3,344 |
| Noncurrent loans to loans | 0.7804% | 4,353 |
| Net loans and leases to total assets | 83.0290% | 292 |
| Net loans and leases to deposits | 110.3450% | 139 |
| Net loans and leases to core deposits | 147.5757% | 100 |
| Total domestic deposits to total assets | 75.2449% | 6,336 |
| Equity capital to assets | 11.2949% | 2,472 |
| Core capital (leverage) ratio | 11.4926% | 1,938 |
| Tier 1 risk-based capital ratio | 17.1318% | 2,665 |
| Total risk-based capital ratio | 18.0812% | 2,746 |
| Memoranda: | ||
| Average total assets | $655,188,000 | 1,027 |
| Average earning assets | $633,580,000 | 970 |
| Average equity | $71,333,330 | 1,013 |
| Average total loans | $539,968,330 | 773 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 3,273 |
| Cost of funding earning assets | 0.8514% | 1,247 |
| Net interest margin | 3.3574% | 4,285 |
| Noninterest income to average assets | 0.9984% | 1,465 |
| Noninterest expense to average assets | 2.8301% | 3,600 |
| Loan and lease loss provision to assets | 0.0302% | 4,077 |
| Net operating income to assets | 0.8346% | 2,986 |
| Return on assets (ROA) | 0.8424% | 3,080 |
| Pretax return on assets | 1.3981% | 1,861 |
| Return on Equity (ROE) | 7.8805% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.8805% | 1,791 |
| Net charge-offs to loans | 0.0407% | 3,467 |
| Credit loss provision to net charge-offs | 90.9091% | 2,008 |
| Earnings coverage of net charge-offs (x) | 42.5818% | 748 |
| Efficiency ratio | 66.6477% | 4,547 |
| Assets per employee ($millions) | 6.4497% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 6,483 |
| Loan loss allowance to noncurrent loans | 62.3020% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 3,908 |
| Noncurrent loans to loans | 1.2578% | 3,676 |
| Net loans and leases to total assets | 79.5310% | 469 |
| Net loans and leases to deposits | 103.6702% | 239 |
| Net loans and leases to core deposits | 134.1222% | 152 |
| Total domestic deposits to total assets | 76.7154% | 6,275 |
| Equity capital to assets | 11.1803% | 2,764 |
| Core capital (leverage) ratio | 11.0050% | 2,261 |
| Tier 1 risk-based capital ratio | 16.7918% | 2,863 |
| Total risk-based capital ratio | 17.7392% | 2,963 |
| Memoranda: | ||
| Average total assets | $661,452,000 | 1,021 |
| Average earning assets | $639,904,000 | 960 |
| Average equity | $70,706,000 | 1,032 |
| Average total loans | $541,168,000 | 775 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 2,045 |
| Cost of funding earning assets | 0.8503% | 2,288 |
| Net interest margin | 3.9932% | 2,413 |
| Noninterest income to average assets | 1.3851% | 818 |
| Noninterest expense to average assets | 2.9996% | 3,273 |
| Loan and lease loss provision to assets | 0.0521% | 5,161 |
| Net operating income to assets | 1.2828% | 1,358 |
| Return on assets (ROA) | 1.2828% | 1,506 |
| Pretax return on assets | 2.1825% | 428 |
| Return on Equity (ROE) | 11.0350% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.4965% | 966 |
| Net charge-offs to loans | 0.0667% | 5,015 |
| Credit loss provision to net charge-offs | 96.1538% | 3,223 |
| Earnings coverage of net charge-offs (x) | 41.2596% | 781 |
| Efficiency ratio | 57.3077% | 5,918 |
| Assets per employee ($millions) | 6.9835% | 770 |
| Cash dividends to net income (ytd only)* | 23.0041% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 6,631 |
| Loan loss allowance to noncurrent loans | 65.2584% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 4,151 |
| Noncurrent loans to loans | 1.0787% | 4,047 |
| Net loans and leases to total assets | 82.7733% | 282 |
| Net loans and leases to deposits | 115.4818% | 98 |
| Net loans and leases to core deposits | 152.9785% | 95 |
| Total domestic deposits to total assets | 71.6766% | 6,708 |
| Equity capital to assets | 10.2316% | 3,852 |
| Core capital (leverage) ratio | 10.9215% | 2,316 |
| Tier 1 risk-based capital ratio | 14.8252% | 3,819 |
| Total risk-based capital ratio | 15.6797% | 4,028 |
| Memoranda: | ||
| Average total assets | $576,071,800 | 1,152 |
| Average earning assets | $555,300,800 | 1,093 |
| Average equity | $66,969,000 | 1,052 |
| Average total loans | $467,564,400 | 878 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 1,895 |
| Cost of funding earning assets | 0.8528% | 2,516 |
| Net interest margin | 4.0789% | 2,177 |
| Noninterest income to average assets | 1.2051% | 1,041 |
| Noninterest expense to average assets | 3.0661% | 2,993 |
| Loan and lease loss provision to assets | 0.0607% | 4,957 |
| Net operating income to assets | 1.1774% | 1,808 |
| Return on assets (ROA) | 1.1774% | 2,003 |
| Pretax return on assets | 2.0043% | 698 |
| Return on Equity (ROE) | 9.7633% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.7633% | 978 |
| Net charge-offs to loans | 0.0920% | 4,454 |
| Credit loss provision to net charge-offs | 81.9672% | 3,560 |
| Earnings coverage of net charge-offs (x) | 27.8784% | 1,165 |
| Efficiency ratio | 59.7548% | 5,537 |
| Assets per employee ($millions) | 6.7022% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 6,661 |
| Loan loss allowance to noncurrent loans | 65.4746% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.6073% | 3,185 |
| Noncurrent loans to loans | 1.1710% | 4,108 |
| Net loans and leases to total assets | 81.6226% | 377 |
| Net loans and leases to deposits | 126.1466% | 56 |
| Net loans and leases to core deposits | 159.6285% | 79 |
| Total domestic deposits to total assets | 64.7046% | 7,001 |
| Equity capital to assets | 10.9824% | 3,299 |
| Core capital (leverage) ratio | 11.6122% | 1,900 |
| Tier 1 risk-based capital ratio | 15.5708% | 3,497 |
| Total risk-based capital ratio | 16.4699% | 3,641 |
| Memoranda: | ||
| Average total assets | $548,993,000 | 1,238 |
| Average earning assets | $528,426,000 | 1,152 |
| Average equity | $66,205,250 | 1,073 |
| Average total loans | $441,829,000 | 948 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 1,671 |
| Cost of funding earning assets | 0.8671% | 2,678 |
| Net interest margin | 4.1800% | 1,802 |
| Noninterest income to average assets | 0.6291% | 3,083 |
| Noninterest expense to average assets | 2.9901% | 3,289 |
| Loan and lease loss provision to assets | 0.0383% | 5,197 |
| Net operating income to assets | 0.9537% | 2,650 |
| Return on assets (ROA) | 0.9537% | 2,899 |
| Pretax return on assets | 1.6238% | 1,478 |
| Return on Equity (ROE) | 7.6338% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.6338% | 1,798 |
| Net charge-offs to loans | 0.1355% | 3,847 |
| Credit loss provision to net charge-offs | 35.4610% | 4,350 |
| Earnings coverage of net charge-offs (x) | 15.3830% | 1,648 |
| Efficiency ratio | 64.2728% | 4,849 |
| Assets per employee ($millions) | 6.4423% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 6,591 |
| Loan loss allowance to noncurrent loans | 57.7044% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.8895% | 2,920 |
| Noncurrent loans to loans | 1.4542% | 3,731 |
| Net loans and leases to total assets | 81.0887% | 393 |
| Net loans and leases to deposits | 123.9040% | 58 |
| Net loans and leases to core deposits | 159.8794% | 88 |
| Total domestic deposits to total assets | 65.4448% | 7,058 |
| Equity capital to assets | 11.8893% | 2,232 |
| Core capital (leverage) ratio | 12.3630% | 1,410 |
| Tier 1 risk-based capital ratio | 16.2742% | 3,018 |
| Total risk-based capital ratio | 17.2163% | 3,151 |
| Memoranda: | ||
| Average total assets | $521,988,000 | 1,299 |
| Average earning assets | $502,390,670 | 1,224 |
| Average equity | $65,210,330 | 1,081 |
| Average total loans | $416,371,330 | 1,009 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 1,494 |
| Cost of funding earning assets | 0.8616% | 2,980 |
| Net interest margin | 4.2692% | 1,566 |
| Noninterest income to average assets | 0.2379% | 5,932 |
| Noninterest expense to average assets | 2.9351% | 3,489 |
| Loan and lease loss provision to assets | 0.0398% | 4,888 |
| Net operating income to assets | 0.8187% | 3,304 |
| Return on assets (ROA) | 0.8187% | 3,532 |
| Pretax return on assets | 1.3709% | 2,284 |
| Return on Equity (ROE) | 6.3817% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.3817% | 2,749 |
| Net charge-offs to loans | 0.4593% | 1,947 |
| Credit loss provision to net charge-offs | 11.0132% | 3,891 |
| Earnings coverage of net charge-offs (x) | 3.9053% | 2,715 |
| Efficiency ratio | 67.5394% | 4,266 |
| Assets per employee ($millions) | 6.6876% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 6,670 |
| Loan loss allowance to noncurrent loans | 48.9928% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 2.1162% | 2,762 |
| Noncurrent loans to loans | 1.7103% | 3,547 |
| Net loans and leases to total assets | 80.1601% | 390 |
| Net loans and leases to deposits | 129.8813% | 44 |
| Net loans and leases to core deposits | 161.0801% | 87 |
| Total domestic deposits to total assets | 61.7180% | 7,174 |
| Equity capital to assets | 12.1907% | 1,922 |
| Core capital (leverage) ratio | 13.3921% | 983 |
| Tier 1 risk-based capital ratio | 16.4443% | 2,937 |
| Total risk-based capital ratio | 17.3638% | 3,082 |
| Memoranda: | ||
| Average total assets | $502,742,000 | 1,346 |
| Average earning assets | $483,749,000 | 1,289 |
| Average equity | $64,497,000 | 1,090 |
| Average total loans | $395,391,000 | 1,066 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3572% | 1,544 |
| Cost of funding earning assets | 1.1529% | 2,334 |
| Net interest margin | 4.2043% | 2,042 |
| Noninterest income to average assets | 0.2984% | 5,390 |
| Noninterest expense to average assets | 2.8598% | 4,129 |
| Loan and lease loss provision to assets | 0.2084% | 4,100 |
| Net operating income to assets | 0.7195% | 3,389 |
| Return on assets (ROA) | 0.7792% | 3,301 |
| Pretax return on assets | 1.3275% | 2,026 |
| Return on Equity (ROE) | 6.6155% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.6155% | 1,687 |
| Net charge-offs to loans | 0.3378% | 3,707 |
| Credit loss provision to net charge-offs | 84.2697% | 4,268 |
| Earnings coverage of net charge-offs (x) | 5.8325% | 2,669 |
| Efficiency ratio | 66.4690% | 4,673 |
| Assets per employee ($millions) | 6.5344% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,717 |
| Loan loss allowance to noncurrent loans | 38.2599% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 3.0439% | 1,973 |
| Noncurrent loans to loans | 2.9384% | 2,214 |
| Net loans and leases to total assets | 75.2997% | 1,052 |
| Net loans and leases to deposits | 125.3399% | 67 |
| Net loans and leases to core deposits | 150.7667% | 132 |
| Total domestic deposits to total assets | 60.0764% | 7,224 |
| Equity capital to assets | 13.5550% | 1,240 |
| Core capital (leverage) ratio | 15.4962% | 528 |
| Tier 1 risk-based capital ratio | 17.7430% | 2,287 |
| Total risk-based capital ratio | 18.8639% | 2,308 |
| Memoranda: | ||
| Average total assets | $395,795,400 | 1,639 |
| Average earning assets | $376,951,200 | 1,575 |
| Average equity | $46,617,600 | 1,465 |
| Average total loans | $289,840,800 | 1,477 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 1,191 |
| Cost of funding earning assets | 1.2311% | 2,115 |
| Net interest margin | 4.2961% | 1,728 |
| Noninterest income to average assets | 0.3461% | 5,093 |
| Noninterest expense to average assets | 2.9797% | 3,636 |
| Loan and lease loss provision to assets | 0.2033% | 3,984 |
| Net operating income to assets | 0.7236% | 3,487 |
| Return on assets (ROA) | 0.8071% | 3,290 |
| Pretax return on assets | 1.3749% | 2,024 |
| Return on Equity (ROE) | 7.1911% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.1911% | 1,869 |
| Net charge-offs to loans | 0.1941% | 4,250 |
| Credit loss provision to net charge-offs | 144.8363% | 2,188 |
| Earnings coverage of net charge-offs (x) | 10.3149% | 1,942 |
| Efficiency ratio | 67.3002% | 4,465 |
| Assets per employee ($millions) | 6.6823% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,738 |
| Loan loss allowance to noncurrent loans | 43.2926% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 2.3225% | 2,764 |
| Noncurrent loans to loans | 3.1372% | 2,218 |
| Net loans and leases to total assets | 72.9039% | 1,530 |
| Net loans and leases to deposits | 114.9502% | 119 |
| Net loans and leases to core deposits | 117.8955% | 442 |
| Total domestic deposits to total assets | 63.4222% | 7,256 |
| Equity capital to assets | 11.9654% | 2,278 |
| Core capital (leverage) ratio | 14.2275% | 836 |
| Tier 1 risk-based capital ratio | 15.9476% | 3,145 |
| Total risk-based capital ratio | 17.1986% | 3,100 |
| Memoranda: | ||
| Average total assets | $377,125,250 | 1,727 |
| Average earning assets | $358,273,750 | 1,654 |
| Average equity | $42,328,750 | 1,590 |
| Average total loans | $272,727,250 | 1,565 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6092% | 1,056 |
| Cost of funding earning assets | 1.3029% | 1,923 |
| Net interest margin | 4.3063% | 1,631 |
| Noninterest income to average assets | 0.4279% | 4,447 |
| Noninterest expense to average assets | 3.1186% | 3,179 |
| Loan and lease loss provision to assets | 0.1955% | 3,977 |
| Net operating income to assets | 0.7311% | 3,382 |
| Return on assets (ROA) | 0.8630% | 2,896 |
| Pretax return on assets | 1.4702% | 1,612 |
| Return on Equity (ROE) | 7.8999% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.8999% | 1,490 |
| Net charge-offs to loans | 0.0639% | 5,002 |
| Credit loss provision to net charge-offs | 426.8293% | 710 |
| Earnings coverage of net charge-offs (x) | 31.8659% | 880 |
| Efficiency ratio | 68.1186% | 4,491 |
| Assets per employee ($millions) | 5.3547% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,331 |
| Loan loss allowance to noncurrent loans | 41.1047% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 3.0379% | 2,215 |
| Noncurrent loans to loans | 4.1312% | 1,655 |
| Net loans and leases to total assets | 71.8037% | 1,825 |
| Net loans and leases to deposits | 107.5577% | 226 |
| Net loans and leases to core deposits | 111.3409% | 679 |
| Total domestic deposits to total assets | 66.7583% | 7,243 |
| Equity capital to assets | 11.2177% | 2,750 |
| Core capital (leverage) ratio | 11.7352% | 1,759 |
| Tier 1 risk-based capital ratio | 14.9558% | 3,511 |
| Total risk-based capital ratio | 16.2109% | 3,484 |
| Memoranda: | ||
| Average total assets | $358,050,000 | 1,833 |
| Average earning assets | $345,073,670 | 1,737 |
| Average equity | $39,114,330 | 1,716 |
| Average total loans | $256,630,000 | 1,670 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 1,530 |
| Cost of funding earning assets | 1.3466% | 1,907 |
| Net interest margin | 4.0630% | 2,419 |
| Noninterest income to average assets | 0.1845% | 6,405 |
| Noninterest expense to average assets | 2.9299% | 3,946 |
| Loan and lease loss provision to assets | 0.1118% | 4,616 |
| Net operating income to assets | 0.6003% | 4,027 |
| Return on assets (ROA) | 0.8644% | 2,786 |
| Pretax return on assets | 1.4728% | 1,523 |
| Return on Equity (ROE) | 8.0210% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.0210% | 1,725 |
| Net charge-offs to loans | 0.0709% | 4,223 |
| Credit loss provision to net charge-offs | 222.2222% | 1,362 |
| Earnings coverage of net charge-offs (x) | 23.2889% | 1,022 |
| Efficiency ratio | 71.4286% | 3,971 |
| Assets per employee ($millions) | 5.5634% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 3,139 |
| Loan loss allowance to noncurrent loans | 66.7034% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.8650% | 3,476 |
| Noncurrent loans to loans | 2.6374% | 2,861 |
| Net loans and leases to total assets | 68.5958% | 2,429 |
| Net loans and leases to deposits | 94.9672% | 753 |
| Net loans and leases to core deposits | 99.7803% | 1,359 |
| Total domestic deposits to total assets | 72.2310% | 7,063 |
| Equity capital to assets | 11.4549% | 2,311 |
| Core capital (leverage) ratio | 11.1623% | 2,063 |
| Tier 1 risk-based capital ratio | 16.7013% | 2,589 |
| Total risk-based capital ratio | 17.9580% | 2,557 |
| Memoranda: | ||
| Average total assets | $357,693,500 | 1,841 |
| Average earning assets | $344,865,000 | 1,745 |
| Average equity | $38,549,000 | 1,727 |
| Average total loans | $253,917,500 | 1,708 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9856% | 871 |
| Cost of funding earning assets | 1.6282% | 1,918 |
| Net interest margin | 4.3575% | 1,626 |
| Noninterest income to average assets | 0.4730% | 4,363 |
| Noninterest expense to average assets | 2.8428% | 4,429 |
| Loan and lease loss provision to assets | 0.3982% | 3,723 |
| Net operating income to assets | 0.8314% | 2,663 |
| Return on assets (ROA) | 0.8314% | 2,806 |
| Pretax return on assets | 1.4164% | 1,618 |
| Return on Equity (ROE) | 8.6372% | 2,449 |
| Retained earnings to average equity (ytd only) | 8.6372% | 804 |
| Net charge-offs to loans | 0.3292% | 4,362 |
| Credit loss provision to net charge-offs | 167.0442% | 2,039 |
| Earnings coverage of net charge-offs (x) | 7.6127% | 2,101 |
| Efficiency ratio | 61.0387% | 5,887 |
| Assets per employee ($millions) | 6.6153% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 3,715 |
| Loan loss allowance to noncurrent loans | 67.1160% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.7241% | 3,715 |
| Noncurrent loans to loans | 2.3338% | 3,188 |
| Net loans and leases to total assets | 70.9417% | 2,320 |
| Net loans and leases to deposits | 97.2585% | 767 |
| Net loans and leases to core deposits | 101.5063% | 1,492 |
| Total domestic deposits to total assets | 72.9414% | 7,001 |
| Equity capital to assets | 10.1461% | 3,562 |
| Core capital (leverage) ratio | 10.0390% | 3,043 |
| Tier 1 risk-based capital ratio | 14.7458% | 3,397 |
| Total risk-based capital ratio | 16.0009% | 3,353 |
| Memoranda: | ||
| Average total assets | $370,440,400 | 1,777 |
| Average earning assets | $355,734,400 | 1,686 |
| Average equity | $35,659,600 | 1,858 |
| Average total loans | $268,257,400 | 1,660 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9521% | 1,031 |
| Cost of funding earning assets | 1.6819% | 1,957 |
| Net interest margin | 4.2701% | 1,951 |
| Noninterest income to average assets | 0.4535% | 4,530 |
| Noninterest expense to average assets | 2.7178% | 4,803 |
| Loan and lease loss provision to assets | 0.4949% | 2,992 |
| Net operating income to assets | 0.7836% | 3,071 |
| Return on assets (ROA) | 0.7836% | 3,233 |
| Pretax return on assets | 1.3346% | 2,078 |
| Return on Equity (ROE) | 8.2512% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.2512% | 1,331 |
| Net charge-offs to loans | 0.5863% | 2,981 |
| Credit loss provision to net charge-offs | 116.4268% | 3,579 |
| Earnings coverage of net charge-offs (x) | 4.3040% | 3,108 |
| Efficiency ratio | 59.7673% | 5,990 |
| Assets per employee ($millions) | 6.8675% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 4,835 |
| Loan loss allowance to noncurrent loans | 55.9102% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.6585% | 2,720 |
| Noncurrent loans to loans | 2.3677% | 3,271 |
| Net loans and leases to total assets | 73.3425% | 1,940 |
| Net loans and leases to deposits | 107.2773% | 313 |
| Net loans and leases to core deposits | 112.6505% | 901 |
| Total domestic deposits to total assets | 68.3672% | 7,359 |
| Equity capital to assets | 9.5031% | 4,837 |
| Core capital (leverage) ratio | 9.7866% | 3,509 |
| Tier 1 risk-based capital ratio | 13.0618% | 4,528 |
| Total risk-based capital ratio | 14.3130% | 4,505 |
| Memoranda: | ||
| Average total assets | $370,435,750 | 1,791 |
| Average earning assets | $355,138,750 | 1,706 |
| Average equity | $35,177,750 | 1,903 |
| Average total loans | $268,573,750 | 1,673 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9552% | 1,043 |
| Cost of funding earning assets | 1.7057% | 2,090 |
| Net interest margin | 4.2495% | 1,965 |
| Noninterest income to average assets | 0.3232% | 5,570 |
| Noninterest expense to average assets | 2.5746% | 5,436 |
| Loan and lease loss provision to assets | 0.5605% | 2,528 |
| Net operating income to assets | 0.7405% | 3,233 |
| Return on assets (ROA) | 0.7405% | 3,383 |
| Pretax return on assets | 1.2616% | 2,219 |
| Return on Equity (ROE) | 7.7992% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.7992% | 1,510 |
| Net charge-offs to loans | 0.5844% | 2,778 |
| Credit loss provision to net charge-offs | 133.4635% | 3,009 |
| Earnings coverage of net charge-offs (x) | 4.3385% | 2,983 |
| Efficiency ratio | 58.5572% | 6,297 |
| Assets per employee ($millions) | 7.4927% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,425 |
| Loan loss allowance to noncurrent loans | 53.7666% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.7627% | 2,619 |
| Noncurrent loans to loans | 2.6023% | 3,035 |
| Net loans and leases to total assets | 72.3637% | 2,310 |
| Net loans and leases to deposits | 106.0837% | 392 |
| Net loans and leases to core deposits | 110.1719% | 1,154 |
| Total domestic deposits to total assets | 68.2138% | 7,420 |
| Equity capital to assets | 9.5445% | 4,640 |
| Core capital (leverage) ratio | 10.0249% | 3,139 |
| Tier 1 risk-based capital ratio | 13.4578% | 4,093 |
| Total risk-based capital ratio | 14.7103% | 4,061 |
| Memoranda: | ||
| Average total assets | $365,721,330 | 1,829 |
| Average earning assets | $350,585,000 | 1,743 |
| Average equity | $34,721,330 | 1,924 |
| Average total loans | $262,817,000 | 1,731 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9539% | 1,070 |
| Cost of funding earning assets | 1.7460% | 2,148 |
| Net interest margin | 4.2079% | 2,011 |
| Noninterest income to average assets | 0.2048% | 6,501 |
| Noninterest expense to average assets | 2.4093% | 6,052 |
| Loan and lease loss provision to assets | 0.6643% | 1,909 |
| Net operating income to assets | 0.6998% | 3,444 |
| Return on assets (ROA) | 0.6998% | 3,556 |
| Pretax return on assets | 1.1925% | 2,383 |
| Return on Equity (ROE) | 7.3911% | 3,167 |
| Retained earnings to average equity (ytd only) | 7.3911% | 1,981 |
| Net charge-offs to loans | 1.1139% | 1,509 |
| Credit loss provision to net charge-offs | 83.9161% | 3,789 |
| Earnings coverage of net charge-offs (x) | 2.3455% | 3,373 |
| Efficiency ratio | 56.4755% | 6,702 |
| Assets per employee ($millions) | 7.4973% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 4,404 |
| Loan loss allowance to noncurrent loans | 35.3007% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 3.5365% | 1,984 |
| Noncurrent loans to loans | 3.9769% | 1,969 |
| Net loans and leases to total assets | 67.8174% | 3,436 |
| Net loans and leases to deposits | 98.8705% | 835 |
| Net loans and leases to core deposits | 101.2962% | 1,991 |
| Total domestic deposits to total assets | 68.5921% | 7,496 |
| Equity capital to assets | 9.5837% | 4,400 |
| Core capital (leverage) ratio | 9.9765% | 3,192 |
| Tier 1 risk-based capital ratio | 14.7608% | 3,226 |
| Total risk-based capital ratio | 16.0134% | 3,185 |
| Memoranda: | ||
| Average total assets | $361,265,000 | 1,896 |
| Average earning assets | $348,677,000 | 1,793 |
| Average equity | $34,203,500 | 1,977 |
| Average total loans | $256,752,500 | 1,824 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7174% | 447 |
| Cost of funding earning assets | 2.5909% | 801 |
| Net interest margin | 4.1266% | 2,343 |
| Noninterest income to average assets | 0.3087% | 5,874 |
| Noninterest expense to average assets | 3.1324% | 3,606 |
| Loan and lease loss provision to assets | 0.8376% | 2,633 |
| Net operating income to assets | 0.1512% | 5,047 |
| Return on assets (ROA) | 0.5567% | 3,583 |
| Pretax return on assets | 0.9489% | 2,765 |
| Return on Equity (ROE) | 5.7175% | 3,324 |
| Retained earnings to average equity (ytd only) | 5.7175% | 1,465 |
| Net charge-offs to loans | 0.4997% | 3,775 |
| Credit loss provision to net charge-offs | 228.1989% | 1,624 |
| Earnings coverage of net charge-offs (x) | 3.1410% | 3,491 |
| Efficiency ratio | 73.0960% | 4,074 |
| Assets per employee ($millions) | 7.5554% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,479 |
| Loan loss allowance to noncurrent loans | 74.9791% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.3202% | 4,451 |
| Noncurrent loans to loans | 1.8002% | 3,930 |
| Net loans and leases to total assets | 72.3503% | 2,670 |
| Net loans and leases to deposits | 106.1858% | 541 |
| Net loans and leases to core deposits | 125.8459% | 1,526 |
| Total domestic deposits to total assets | 68.1356% | 7,538 |
| Equity capital to assets | 9.3526% | 4,630 |
| Core capital (leverage) ratio | 9.8925% | 3,211 |
| Tier 1 risk-based capital ratio | 13.7318% | 3,667 |
| Total risk-based capital ratio | 14.9839% | 3,605 |
| Memoranda: | ||
| Average total assets | $334,283,000 | 2,031 |
| Average earning assets | $322,133,400 | 1,933 |
| Average equity | $32,549,000 | 2,056 |
| Average total loans | $245,542,600 | 1,919 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8170% | 404 |
| Cost of funding earning assets | 2.7959% | 603 |
| Net interest margin | 4.0211% | 2,718 |
| Noninterest income to average assets | 0.3130% | 5,975 |
| Noninterest expense to average assets | 2.9772% | 4,133 |
| Loan and lease loss provision to assets | 0.9841% | 1,944 |
| Net operating income to assets | 0.0847% | 5,514 |
| Return on assets (ROA) | 0.4650% | 4,242 |
| Pretax return on assets | 0.8150% | 3,490 |
| Return on Equity (ROE) | 4.7235% | 4,069 |
| Retained earnings to average equity (ytd only) | 4.7235% | 2,642 |
| Net charge-offs to loans | 0.6693% | 2,687 |
| Credit loss provision to net charge-offs | 200.0829% | 2,229 |
| Earnings coverage of net charge-offs (x) | 2.4499% | 4,008 |
| Efficiency ratio | 71.1878% | 4,390 |
| Assets per employee ($millions) | 7.5783% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,425 |
| Loan loss allowance to noncurrent loans | 85.5892% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 2.0189% | 3,320 |
| Noncurrent loans to loans | 1.5323% | 4,350 |
| Net loans and leases to total assets | 71.1628% | 3,230 |
| Net loans and leases to deposits | 102.7765% | 858 |
| Net loans and leases to core deposits | 123.1031% | 1,987 |
| Total domestic deposits to total assets | 69.2404% | 7,479 |
| Equity capital to assets | 9.6503% | 4,554 |
| Core capital (leverage) ratio | 10.1866% | 3,078 |
| Tier 1 risk-based capital ratio | 14.4691% | 3,295 |
| Total risk-based capital ratio | 15.7208% | 3,240 |
| Memoranda: | ||
| Average total assets | $327,189,000 | 2,088 |
| Average earning assets | $314,832,250 | 1,999 |
| Average equity | $32,206,750 | 2,090 |
| Average total loans | $240,434,500 | 1,970 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8369% | 421 |
| Cost of funding earning assets | 3.0238% | 435 |
| Net interest margin | 3.8131% | 3,499 |
| Noninterest income to average assets | 0.2858% | 6,221 |
| Noninterest expense to average assets | 3.0201% | 4,005 |
| Loan and lease loss provision to assets | 0.9920% | 1,698 |
| Net operating income to assets | -0.1007% | 6,012 |
| Return on assets (ROA) | 0.4532% | 4,390 |
| Pretax return on assets | 0.8054% | 3,652 |
| Return on Equity (ROE) | 4.5727% | 4,270 |
| Retained earnings to average equity (ytd only) | 4.5727% | 2,751 |
| Net charge-offs to loans | 0.7938% | 2,093 |
| Credit loss provision to net charge-offs | 168.9546% | 2,724 |
| Earnings coverage of net charge-offs (x) | 1.5871% | 4,350 |
| Efficiency ratio | 76.4198% | 3,615 |
| Assets per employee ($millions) | 7.5813% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 5,446 |
| Loan loss allowance to noncurrent loans | 71.3332% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 2.0807% | 3,083 |
| Noncurrent loans to loans | 1.5733% | 4,141 |
| Net loans and leases to total assets | 72.1615% | 3,172 |
| Net loans and leases to deposits | 104.0576% | 911 |
| Net loans and leases to core deposits | 126.4598% | 1,828 |
| Total domestic deposits to total assets | 69.3477% | 7,524 |
| Equity capital to assets | 9.7630% | 4,270 |
| Core capital (leverage) ratio | 10.2299% | 3,060 |
| Tier 1 risk-based capital ratio | 14.7614% | 3,119 |
| Total risk-based capital ratio | 15.9560% | 3,077 |
| Memoranda: | ||
| Average total assets | $322,577,000 | 2,136 |
| Average earning assets | $310,140,670 | 2,055 |
| Average equity | $31,972,330 | 2,114 |
| Average total loans | $238,610,000 | 2,017 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7343% | 547 |
| Cost of funding earning assets | 3.1962% | 350 |
| Net interest margin | 3.5381% | 4,574 |
| Noninterest income to average assets | 0.1122% | 7,471 |
| Noninterest expense to average assets | 2.7326% | 4,861 |
| Loan and lease loss provision to assets | 1.6518% | 754 |
| Net operating income to assets | -0.6313% | 6,993 |
| Return on assets (ROA) | 0.4824% | 4,695 |
| Pretax return on assets | 0.8863% | 3,764 |
| Return on Equity (ROE) | 4.8307% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.8307% | 3,218 |
| Net charge-offs to loans | 0.8236% | 1,575 |
| Credit loss provision to net charge-offs | 269.3089% | 1,765 |
| Earnings coverage of net charge-offs (x) | 1.3008% | 4,086 |
| Efficiency ratio | 77.4011% | 3,269 |
| Assets per employee ($millions) | 7.9240% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 4,752 |
| Loan loss allowance to noncurrent loans | 67.2011% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.1983% | 2,600 |
| Noncurrent loans to loans | 1.7973% | 3,565 |
| Net loans and leases to total assets | 71.7551% | 3,299 |
| Net loans and leases to deposits | 103.5583% | 1,045 |
| Net loans and leases to core deposits | 127.4395% | 1,830 |
| Total domestic deposits to total assets | 69.2896% | 7,486 |
| Equity capital to assets | 9.9251% | 4,078 |
| Core capital (leverage) ratio | 10.0577% | 3,337 |
| Tier 1 risk-based capital ratio | 15.1178% | 3,006 |
| Total risk-based capital ratio | 16.3682% | 2,951 |
| Memoranda: | ||
| Average total assets | $320,868,000 | 2,160 |
| Average earning assets | $309,993,000 | 2,063 |
| Average equity | $32,045,000 | 2,116 |
| Average total loans | $238,958,500 | 2,033 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4174% | 3,319 |
| Cost of funding earning assets | 3.6442% | 326 |
| Net interest margin | 2.7732% | 7,378 |
| Noninterest income to average assets | 0.0896% | 7,687 |
| Noninterest expense to average assets | 2.0994% | 7,239 |
| Loan and lease loss provision to assets | 0.2918% | 4,046 |
| Net operating income to assets | 0.2176% | 5,797 |
| Return on assets (ROA) | 0.2176% | 5,616 |
| Pretax return on assets | 0.3595% | 5,359 |
| Return on Equity (ROE) | 2.0116% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.0116% | 3,982 |
| Net charge-offs to loans | 0.2240% | 3,991 |
| Credit loss provision to net charge-offs | 157.0902% | 3,312 |
| Earnings coverage of net charge-offs (x) | 3.5064% | 4,333 |
| Efficiency ratio | 76.3214% | 3,184 |
| Assets per employee ($millions) | 8.1244% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 6,962 |
| Loan loss allowance to noncurrent loans | 32.7967% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 1.9855% | 2,481 |
| Noncurrent loans to loans | 2.5419% | 2,140 |
| Net loans and leases to total assets | 75.7228% | 2,704 |
| Net loans and leases to deposits | 120.9617% | 366 |
| Net loans and leases to core deposits | 149.2037% | 883 |
| Total domestic deposits to total assets | 62.6006% | 7,856 |
| Equity capital to assets | 10.0504% | 3,973 |
| Core capital (leverage) ratio | 10.9832% | 2,603 |
| Tier 1 risk-based capital ratio | 14.9295% | 3,075 |
| Total risk-based capital ratio | 15.8646% | 3,168 |
| Memoranda: | ||
| Average total assets | $292,318,200 | 2,241 |
| Average earning assets | $280,501,400 | 2,168 |
| Average equity | $31,617,400 | 2,140 |
| Average total loans | $242,422,800 | 1,952 |