Home > Soy Capital Bank and Trust Company > Performance and Condition Ratios
Soy Capital Bank and Trust Company, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5798% | 444 |
| Cost of funding earning assets | 0.4805% | 4,149 |
| Net interest margin | 5.0993% | 244 |
| Noninterest income to average assets | 0.3979% | 3,195 |
| Noninterest expense to average assets | 2.2335% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7532% | 651 |
| Return on assets (ROA) | 1.7781% | 625 |
| Pretax return on assets | 2.3791% | 308 |
| Return on Equity (ROE) | 10.8937% | 1,983 |
| Retained earnings to average equity (ytd only) | 10.8937% | 825 |
| Net charge-offs to loans | -0.0083% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6481% | 5,169 |
| Assets per employee ($millions) | 5.8337% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0022% | 5,313 |
| Loan loss allowance to noncurrent loans | 1.4245% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 3,876 |
| Noncurrent loans to loans | 0.1512% | 4,056 |
| Net loans and leases to total assets | 55.2629% | 4,118 |
| Net loans and leases to deposits | 80.3615% | 2,794 |
| Net loans and leases to core deposits | 81.7106% | 3,204 |
| Total domestic deposits to total assets | 68.7679% | 5,150 |
| Equity capital to assets | 16.9774% | 449 |
| Core capital (leverage) ratio | 11.5818% | 2,076 |
| Tier 1 risk-based capital ratio | 16.0228% | 2,430 |
| Total risk-based capital ratio | 16.0244% | 2,914 |
| Memoranda: | ||
| Average total assets | $431,250,500 | 1,629 |
| Average earning assets | $353,776,000 | 1,830 |
| Average equity | $70,389,500 | 1,202 |
| Average total loans | $242,100,000 | 1,902 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6430% | 5,400 |
| Cost of funding earning assets | 0.0843% | 5,319 |
| Net interest margin | 0.5587% | 5,399 |
| Noninterest income to average assets | 0.4298% | 3,245 |
| Noninterest expense to average assets | 0.4640% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3396% | 4,960 |
| Return on assets (ROA) | 0.3396% | 4,955 |
| Pretax return on assets | 0.4556% | 4,867 |
| Return on Equity (ROE) | 2.1785% | 5,022 |
| Retained earnings to average equity (ytd only) | 2.1785% | 4,284 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4140% | 5,197 |
| Assets per employee ($millions) | 2.9697% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 3,921 |
| Noncurrent loans to loans | 0.1365% | 4,123 |
| Net loans and leases to total assets | 56.9696% | 4,053 |
| Net loans and leases to deposits | 80.1207% | 2,944 |
| Net loans and leases to core deposits | 81.6243% | 3,292 |
| Total domestic deposits to total assets | 71.1048% | 5,116 |
| Equity capital to assets | 15.7002% | 583 |
| Core capital (leverage) ratio | 11.1230% | 2,422 |
| Tier 1 risk-based capital ratio | 14.1349% | 3,225 |
| Total risk-based capital ratio | 14.1349% | 3,804 |
| Memoranda: | ||
| Average total assets | $449,092,800 | 1,538 |
| Average earning assets | $393,781,600 | 1,609 |
| Average equity | $70,002,600 | 1,160 |
| Average total loans | $255,484,400 | 1,798 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1369% | 5,230 |
| Cost of funding earning assets | 0.4536% | 3,504 |
| Net interest margin | 2.6833% | 5,177 |
| Noninterest income to average assets | 4.5636% | 100 |
| Noninterest expense to average assets | 5.3383% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2080% | 2,212 |
| Return on assets (ROA) | 1.2080% | 2,214 |
| Pretax return on assets | 1.6154% | 1,530 |
| Return on Equity (ROE) | 7.7638% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.9123% | 3,284 |
| Net charge-offs to loans | 0.0156% | 2,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 182.0288% | 473 |
| Efficiency ratio | 76.3144% | 1,311 |
| Assets per employee ($millions) | 3.0850% | 4,977 |
| Cash dividends to net income (ytd only)* | 36.7287% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7672% | 773 |
| Loan loss allowance to noncurrent loans | 602.1448% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 4,150 |
| Noncurrent loans to loans | 0.2935% | 3,628 |
| Net loans and leases to total assets | 54.3222% | 4,341 |
| Net loans and leases to deposits | 72.9647% | 3,683 |
| Net loans and leases to core deposits | 74.2467% | 3,933 |
| Total domestic deposits to total assets | 74.4500% | 4,942 |
| Equity capital to assets | 15.4684% | 623 |
| Core capital (leverage) ratio | 15.0219% | 699 |
| Tier 1 risk-based capital ratio | 21.6585% | 1,097 |
| Total risk-based capital ratio | 22.9109% | 1,079 |
| Memoranda: | ||
| Average total assets | $450,746,500 | 1,544 |
| Average earning assets | $401,492,250 | 1,592 |
| Average equity | $70,135,750 | 1,155 |
| Average total loans | $256,336,000 | 1,807 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0848% | 5,297 |
| Cost of funding earning assets | 0.4214% | 3,561 |
| Net interest margin | 2.6634% | 5,238 |
| Noninterest income to average assets | 5.0708% | 96 |
| Noninterest expense to average assets | 5.5751% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3873% | 1,486 |
| Return on assets (ROA) | 1.3873% | 1,484 |
| Pretax return on assets | 1.8643% | 853 |
| Return on Equity (ROE) | 8.8980% | 3,071 |
| Retained earnings to average equity (ytd only) | 4.6008% | 3,288 |
| Net charge-offs to loans | 0.0288% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 112.8108% | 637 |
| Efficiency ratio | 74.5137% | 1,637 |
| Assets per employee ($millions) | 2.9843% | 5,107 |
| Cash dividends to net income (ytd only)* | 48.2936% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 819 |
| Loan loss allowance to noncurrent loans | 598.0000% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 4,209 |
| Noncurrent loans to loans | 0.2930% | 3,651 |
| Net loans and leases to total assets | 52.6609% | 4,437 |
| Net loans and leases to deposits | 68.9457% | 3,951 |
| Net loans and leases to core deposits | 70.1220% | 4,136 |
| Total domestic deposits to total assets | 76.3803% | 4,823 |
| Equity capital to assets | 14.7343% | 751 |
| Core capital (leverage) ratio | 15.0404% | 660 |
| Tier 1 risk-based capital ratio | 21.2637% | 1,130 |
| Total risk-based capital ratio | 22.5160% | 1,113 |
| Memoranda: | ||
| Average total assets | $447,775,670 | 1,560 |
| Average earning assets | $398,215,000 | 1,609 |
| Average equity | $69,813,670 | 1,164 |
| Average total loans | $257,051,670 | 1,809 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1079% | 5,307 |
| Cost of funding earning assets | 0.3904% | 3,659 |
| Net interest margin | 2.7174% | 5,244 |
| Noninterest income to average assets | 5.6029% | 89 |
| Noninterest expense to average assets | 5.8486% | 147 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5984% | 864 |
| Return on assets (ROA) | 1.5984% | 864 |
| Pretax return on assets | 2.1593% | 407 |
| Return on Equity (ROE) | 9.9506% | 2,463 |
| Retained earnings to average equity (ytd only) | 4.1988% | 3,509 |
| Net charge-offs to loans | -0.0078% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6203% | 2,099 |
| Assets per employee ($millions) | 2.7195% | 5,325 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 839 |
| Loan loss allowance to noncurrent loans | 560.2723% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 4,164 |
| Noncurrent loans to loans | 0.3148% | 3,637 |
| Net loans and leases to total assets | 57.5818% | 3,984 |
| Net loans and leases to deposits | 79.1900% | 2,898 |
| Net loans and leases to core deposits | 80.7382% | 3,267 |
| Total domestic deposits to total assets | 72.7135% | 5,234 |
| Equity capital to assets | 15.9046% | 500 |
| Core capital (leverage) ratio | 15.2524% | 603 |
| Tier 1 risk-based capital ratio | 21.0074% | 1,207 |
| Total risk-based capital ratio | 22.2601% | 1,181 |
| Memoranda: | ||
| Average total assets | $432,922,000 | 1,613 |
| Average earning assets | $383,158,500 | 1,682 |
| Average equity | $69,543,500 | 1,177 |
| Average total loans | $257,611,500 | 1,807 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0745% | 5,313 |
| Cost of funding earning assets | 0.3033% | 4,109 |
| Net interest margin | 2.7713% | 5,208 |
| Noninterest income to average assets | 4.7836% | 110 |
| Noninterest expense to average assets | 5.7329% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9171% | 2,614 |
| Return on assets (ROA) | 0.9171% | 2,642 |
| Pretax return on assets | 1.4922% | 1,674 |
| Return on Equity (ROE) | 5.6322% | 3,900 |
| Retained earnings to average equity (ytd only) | 2.7431% | 3,669 |
| Net charge-offs to loans | 0.0222% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 115.3455% | 586 |
| Efficiency ratio | 78.7909% | 1,249 |
| Assets per employee ($millions) | 2.6258% | 5,411 |
| Cash dividends to net income (ytd only)* | 51.2952% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 863 |
| Loan loss allowance to noncurrent loans | 586.5110% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 4,233 |
| Noncurrent loans to loans | 0.2982% | 3,709 |
| Net loans and leases to total assets | 59.3587% | 3,897 |
| Net loans and leases to deposits | 83.5328% | 2,545 |
| Net loans and leases to core deposits | 85.2353% | 2,966 |
| Total domestic deposits to total assets | 71.0604% | 5,360 |
| Equity capital to assets | 16.2266% | 486 |
| Core capital (leverage) ratio | 15.3173% | 568 |
| Tier 1 risk-based capital ratio | 20.4741% | 1,230 |
| Total risk-based capital ratio | 21.7263% | 1,202 |
| Memoranda: | ||
| Average total assets | $425,157,800 | 1,623 |
| Average earning assets | $374,560,000 | 1,685 |
| Average equity | $69,227,400 | 1,148 |
| Average total loans | $247,951,600 | 1,829 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0453% | 5,382 |
| Cost of funding earning assets | 0.2924% | 4,208 |
| Net interest margin | 2.7530% | 5,280 |
| Noninterest income to average assets | 4.8699% | 115 |
| Noninterest expense to average assets | 5.7979% | 163 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9889% | 2,605 |
| Return on assets (ROA) | 0.9889% | 2,662 |
| Pretax return on assets | 1.5006% | 1,764 |
| Return on Equity (ROE) | 6.0679% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.1403% | 3,444 |
| Net charge-offs to loans | 0.0136% | 3,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 191.0942% | 455 |
| Efficiency ratio | 78.8887% | 1,227 |
| Assets per employee ($millions) | 2.5628% | 5,499 |
| Cash dividends to net income (ytd only)* | 31.7662% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 865 |
| Loan loss allowance to noncurrent loans | 578.3990% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 4,345 |
| Noncurrent loans to loans | 0.3099% | 3,833 |
| Net loans and leases to total assets | 60.0737% | 3,853 |
| Net loans and leases to deposits | 84.3571% | 2,519 |
| Net loans and leases to core deposits | 86.0163% | 2,965 |
| Total domestic deposits to total assets | 71.2135% | 5,430 |
| Equity capital to assets | 16.9329% | 437 |
| Core capital (leverage) ratio | 15.1784% | 627 |
| Tier 1 risk-based capital ratio | 21.1474% | 1,171 |
| Total risk-based capital ratio | 22.4002% | 1,153 |
| Memoranda: | ||
| Average total assets | $424,445,250 | 1,632 |
| Average earning assets | $374,422,500 | 1,705 |
| Average equity | $69,171,500 | 1,160 |
| Average total loans | $245,294,000 | 1,851 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9679% | 5,460 |
| Cost of funding earning assets | 0.2719% | 4,357 |
| Net interest margin | 2.6960% | 5,363 |
| Noninterest income to average assets | 5.0821% | 114 |
| Noninterest expense to average assets | 5.7469% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1185% | 1,894 |
| Return on assets (ROA) | 1.1185% | 1,940 |
| Pretax return on assets | 1.7103% | 1,033 |
| Return on Equity (ROE) | 6.9511% | 3,575 |
| Retained earnings to average equity (ytd only) | 4.0439% | 3,302 |
| Net charge-offs to loans | 0.0058% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 522.2857% | 162 |
| Efficiency ratio | 76.5322% | 1,641 |
| Assets per employee ($millions) | 2.6848% | 5,480 |
| Cash dividends to net income (ytd only)* | 41.8235% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 825 |
| Loan loss allowance to noncurrent loans | 569.1158% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,442 |
| Noncurrent loans to loans | 0.3225% | 3,874 |
| Net loans and leases to total assets | 55.8567% | 4,240 |
| Net loans and leases to deposits | 76.2303% | 3,318 |
| Net loans and leases to core deposits | 77.6774% | 3,625 |
| Total domestic deposits to total assets | 73.2737% | 5,357 |
| Equity capital to assets | 15.8958% | 545 |
| Core capital (leverage) ratio | 14.9167% | 649 |
| Tier 1 risk-based capital ratio | 21.2816% | 1,147 |
| Total risk-based capital ratio | 22.5346% | 1,128 |
| Memoranda: | ||
| Average total assets | $427,538,000 | 1,624 |
| Average earning assets | $376,626,000 | 1,696 |
| Average equity | $68,795,330 | 1,167 |
| Average total loans | $242,406,000 | 1,868 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9576% | 5,500 |
| Cost of funding earning assets | 0.2503% | 4,535 |
| Net interest margin | 2.7073% | 5,386 |
| Noninterest income to average assets | 5.6474% | 102 |
| Noninterest expense to average assets | 5.9561% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3311% | 1,165 |
| Return on assets (ROA) | 1.3311% | 1,194 |
| Pretax return on assets | 2.0668% | 446 |
| Return on Equity (ROE) | 8.2209% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.2209% | 1,365 |
| Net charge-offs to loans | -0.0201% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7314% | 2,280 |
| Assets per employee ($millions) | 2.6663% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 782 |
| Loan loss allowance to noncurrent loans | 552.2262% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,476 |
| Noncurrent loans to loans | 0.3452% | 3,862 |
| Net loans and leases to total assets | 54.6697% | 4,287 |
| Net loans and leases to deposits | 76.5422% | 3,133 |
| Net loans and leases to core deposits | 77.9010% | 3,476 |
| Total domestic deposits to total assets | 71.4242% | 5,574 |
| Equity capital to assets | 16.0431% | 488 |
| Core capital (leverage) ratio | 15.1760% | 575 |
| Tier 1 risk-based capital ratio | 21.6163% | 1,131 |
| Total risk-based capital ratio | 22.8697% | 1,109 |
| Memoranda: | ||
| Average total assets | $422,494,500 | 1,654 |
| Average earning assets | $370,708,000 | 1,730 |
| Average equity | $68,411,000 | 1,164 |
| Average total loans | $239,102,500 | 1,894 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9259% | 5,554 |
| Cost of funding earning assets | 0.1968% | 5,045 |
| Net interest margin | 2.7291% | 5,386 |
| Noninterest income to average assets | 4.6668% | 129 |
| Noninterest expense to average assets | 5.5933% | 198 |
| Loan and lease loss provision to assets | -0.0973% | 5,685 |
| Net operating income to assets | 1.0347% | 2,210 |
| Return on assets (ROA) | 1.0347% | 2,306 |
| Pretax return on assets | 1.5629% | 1,387 |
| Return on Equity (ROE) | 6.3137% | 3,834 |
| Retained earnings to average equity (ytd only) | 3.3446% | 3,540 |
| Net charge-offs to loans | 0.0045% | 4,091 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,441 |
| Earnings coverage of net charge-offs (x) | 602.4000% | 137 |
| Efficiency ratio | 78.6172% | 1,608 |
| Assets per employee ($millions) | 2.5340% | 5,647 |
| Cash dividends to net income (ytd only)* | 47.0256% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9274% | 766 |
| Loan loss allowance to noncurrent loans | 550.7822% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 4,519 |
| Noncurrent loans to loans | 0.3499% | 3,876 |
| Net loans and leases to total assets | 56.3852% | 4,231 |
| Net loans and leases to deposits | 79.0983% | 2,985 |
| Net loans and leases to core deposits | 80.1234% | 3,385 |
| Total domestic deposits to total assets | 71.2850% | 5,602 |
| Equity capital to assets | 16.3481% | 454 |
| Core capital (leverage) ratio | 15.1706% | 581 |
| Tier 1 risk-based capital ratio | 21.0732% | 1,195 |
| Total risk-based capital ratio | 22.3265% | 1,178 |
| Memoranda: | ||
| Average total assets | $411,027,800 | 1,641 |
| Average earning assets | $360,263,200 | 1,720 |
| Average equity | $67,361,600 | 1,159 |
| Average total loans | $220,999,800 | 1,970 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8996% | 5,649 |
| Cost of funding earning assets | 0.1963% | 5,111 |
| Net interest margin | 2.7033% | 5,489 |
| Noninterest income to average assets | 4.6710% | 134 |
| Noninterest expense to average assets | 5.6148% | 194 |
| Loan and lease loss provision to assets | -0.0974% | 5,789 |
| Net operating income to assets | 1.0107% | 2,384 |
| Return on assets (ROA) | 1.0107% | 2,518 |
| Pretax return on assets | 1.5281% | 1,621 |
| Return on Equity (ROE) | 6.1634% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.1829% | 3,344 |
| Net charge-offs to loans | -0.0006% | 4,424 |
| Credit loss provision to net charge-offs | 30,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0716% | 1,547 |
| Assets per employee ($millions) | 2.5624% | 5,699 |
| Cash dividends to net income (ytd only)* | 32.1337% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0633% | 648 |
| Loan loss allowance to noncurrent loans | 528.5231% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 4,565 |
| Noncurrent loans to loans | 0.3904% | 3,865 |
| Net loans and leases to total assets | 54.2775% | 4,473 |
| Net loans and leases to deposits | 73.7725% | 3,618 |
| Net loans and leases to core deposits | 74.7755% | 3,941 |
| Total domestic deposits to total assets | 73.5742% | 5,471 |
| Equity capital to assets | 16.6841% | 463 |
| Core capital (leverage) ratio | 15.1439% | 605 |
| Tier 1 risk-based capital ratio | 21.9489% | 1,147 |
| Total risk-based capital ratio | 23.2035% | 1,123 |
| Memoranda: | ||
| Average total assets | $410,523,250 | 1,647 |
| Average earning assets | $360,592,500 | 1,721 |
| Average equity | $67,320,750 | 1,168 |
| Average total loans | $216,881,250 | 2,000 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8639% | 5,765 |
| Cost of funding earning assets | 0.1954% | 5,191 |
| Net interest margin | 2.6685% | 5,605 |
| Noninterest income to average assets | 4.9296% | 125 |
| Noninterest expense to average assets | 5.6985% | 193 |
| Loan and lease loss provision to assets | -0.0974% | 5,872 |
| Net operating income to assets | 1.0991% | 1,960 |
| Return on assets (ROA) | 1.0991% | 2,084 |
| Pretax return on assets | 1.6761% | 1,153 |
| Return on Equity (ROE) | 6.7413% | 3,674 |
| Retained earnings to average equity (ytd only) | 3.7544% | 3,503 |
| Net charge-offs to loans | -0.0019% | 4,367 |
| Credit loss provision to net charge-offs | 10,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7034% | 1,837 |
| Assets per employee ($millions) | 2.6759% | 5,688 |
| Cash dividends to net income (ytd only)* | 44.3066% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2399% | 514 |
| Loan loss allowance to noncurrent loans | 522.2465% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 4,640 |
| Noncurrent loans to loans | 0.4289% | 3,819 |
| Net loans and leases to total assets | 48.8177% | 4,924 |
| Net loans and leases to deposits | 64.9429% | 4,428 |
| Net loans and leases to core deposits | 65.6846% | 4,632 |
| Total domestic deposits to total assets | 75.1702% | 5,389 |
| Equity capital to assets | 15.8208% | 574 |
| Core capital (leverage) ratio | 14.8077% | 642 |
| Tier 1 risk-based capital ratio | 23.0047% | 1,017 |
| Total risk-based capital ratio | 24.2610% | 995 |
| Memoranda: | ||
| Average total assets | $410,705,000 | 1,644 |
| Average earning assets | $361,324,670 | 1,723 |
| Average equity | $66,960,670 | 1,175 |
| Average total loans | $213,437,000 | 2,026 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8974% | 5,789 |
| Cost of funding earning assets | 0.1952% | 5,246 |
| Net interest margin | 2.7022% | 5,616 |
| Noninterest income to average assets | 5.3922% | 111 |
| Noninterest expense to average assets | 5.9196% | 179 |
| Loan and lease loss provision to assets | -0.0995% | 5,987 |
| Net operating income to assets | 1.2588% | 1,382 |
| Return on assets (ROA) | 1.2588% | 1,473 |
| Pretax return on assets | 1.9414% | 640 |
| Return on Equity (ROE) | 7.6007% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.6007% | 1,621 |
| Net charge-offs to loans | 0.0019% | 3,057 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,072 |
| Earnings coverage of net charge-offs (x) | 1,851.0000% | 19 |
| Efficiency ratio | 75.6923% | 2,220 |
| Assets per employee ($millions) | 2.5655% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3659% | 463 |
| Loan loss allowance to noncurrent loans | 501.6427% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 4,602 |
| Noncurrent loans to loans | 0.4716% | 3,765 |
| Net loans and leases to total assets | 49.4295% | 4,848 |
| Net loans and leases to deposits | 68.2752% | 4,029 |
| Net loans and leases to core deposits | 69.1242% | 4,305 |
| Total domestic deposits to total assets | 72.3975% | 5,744 |
| Equity capital to assets | 16.5205% | 473 |
| Core capital (leverage) ratio | 15.6457% | 517 |
| Tier 1 risk-based capital ratio | 22.9612% | 1,018 |
| Total risk-based capital ratio | 24.2181% | 996 |
| Memoranda: | ||
| Average total assets | $401,984,500 | 1,678 |
| Average earning assets | $352,454,500 | 1,768 |
| Average equity | $66,573,000 | 1,181 |
| Average total loans | $213,255,500 | 2,028 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9547% | 5,768 |
| Cost of funding earning assets | 0.1806% | 5,449 |
| Net interest margin | 2.7741% | 5,563 |
| Noninterest income to average assets | 4.8401% | 129 |
| Noninterest expense to average assets | 5.6626% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0486% | 2,129 |
| Return on assets (ROA) | 1.0473% | 2,221 |
| Pretax return on assets | 1.5929% | 1,262 |
| Return on Equity (ROE) | 6.5123% | 3,771 |
| Retained earnings to average equity (ytd only) | 4.2002% | 2,998 |
| Net charge-offs to loans | -0.0109% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4062% | 2,059 |
| Assets per employee ($millions) | 2.4448% | 5,918 |
| Cash dividends to net income (ytd only)* | 35.5030% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 539 |
| Loan loss allowance to noncurrent loans | 506.2944% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 4,597 |
| Noncurrent loans to loans | 0.4477% | 3,866 |
| Net loans and leases to total assets | 54.2874% | 4,478 |
| Net loans and leases to deposits | 75.1246% | 3,371 |
| Net loans and leases to core deposits | 75.7949% | 3,775 |
| Total domestic deposits to total assets | 72.2631% | 5,786 |
| Equity capital to assets | 16.6029% | 450 |
| Core capital (leverage) ratio | 15.5073% | 533 |
| Tier 1 risk-based capital ratio | 21.6216% | 1,200 |
| Total risk-based capital ratio | 22.8780% | 1,180 |
| Memoranda: | ||
| Average total assets | $403,419,600 | 1,633 |
| Average earning assets | $351,536,000 | 1,718 |
| Average equity | $64,877,200 | 1,166 |
| Average total loans | $219,614,000 | 1,928 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9476% | 5,853 |
| Cost of funding earning assets | 0.1862% | 5,489 |
| Net interest margin | 2.7615% | 5,646 |
| Noninterest income to average assets | 4.9616% | 129 |
| Noninterest expense to average assets | 5.6624% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1104% | 1,959 |
| Return on assets (ROA) | 1.1087% | 2,046 |
| Pretax return on assets | 1.7026% | 1,097 |
| Return on Equity (ROE) | 6.9493% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.4027% | 2,641 |
| Net charge-offs to loans | -0.0134% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2481% | 2,207 |
| Assets per employee ($millions) | 2.4439% | 5,982 |
| Cash dividends to net income (ytd only)* | 22.2553% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 611 |
| Loan loss allowance to noncurrent loans | 486.8164% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 4,722 |
| Noncurrent loans to loans | 0.4627% | 3,973 |
| Net loans and leases to total assets | 55.3296% | 4,421 |
| Net loans and leases to deposits | 75.7004% | 3,339 |
| Net loans and leases to core deposits | 76.3841% | 3,760 |
| Total domestic deposits to total assets | 73.0902% | 5,780 |
| Equity capital to assets | 16.8775% | 443 |
| Core capital (leverage) ratio | 15.2866% | 591 |
| Tier 1 risk-based capital ratio | 21.5682% | 1,254 |
| Total risk-based capital ratio | 22.8245% | 1,234 |
| Memoranda: | ||
| Average total assets | $405,260,250 | 1,639 |
| Average earning assets | $353,090,000 | 1,721 |
| Average equity | $64,657,250 | 1,178 |
| Average total loans | $219,518,500 | 1,936 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9009% | 5,942 |
| Cost of funding earning assets | 0.1963% | 5,470 |
| Net interest margin | 2.7046% | 5,758 |
| Noninterest income to average assets | 5.2267% | 125 |
| Noninterest expense to average assets | 5.6414% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2533% | 1,453 |
| Return on assets (ROA) | 1.2536% | 1,509 |
| Pretax return on assets | 1.9448% | 672 |
| Return on Equity (ROE) | 8.0048% | 3,048 |
| Retained earnings to average equity (ytd only) | 5.6688% | 2,426 |
| Net charge-offs to loans | -0.0174% | 5,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7895% | 2,705 |
| Assets per employee ($millions) | 2.4512% | 6,056 |
| Cash dividends to net income (ytd only)* | 29.1829% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 692 |
| Loan loss allowance to noncurrent loans | 481.8182% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 4,822 |
| Noncurrent loans to loans | 0.4653% | 4,086 |
| Net loans and leases to total assets | 54.7108% | 4,481 |
| Net loans and leases to deposits | 75.6361% | 3,307 |
| Net loans and leases to core deposits | 76.3138% | 3,736 |
| Total domestic deposits to total assets | 72.3343% | 5,922 |
| Equity capital to assets | 16.3384% | 485 |
| Core capital (leverage) ratio | 14.5206% | 711 |
| Tier 1 risk-based capital ratio | 21.3135% | 1,307 |
| Total risk-based capital ratio | 22.5700% | 1,288 |
| Memoranda: | ||
| Average total assets | $410,008,000 | 1,630 |
| Average earning assets | $357,612,670 | 1,713 |
| Average equity | $64,211,670 | 1,193 |
| Average total loans | $218,913,670 | 1,948 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8454% | 6,038 |
| Cost of funding earning assets | 0.1928% | 5,569 |
| Net interest margin | 2.6526% | 5,863 |
| Noninterest income to average assets | 5.7186% | 116 |
| Noninterest expense to average assets | 5.6687% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5122% | 827 |
| Return on assets (ROA) | 1.5147% | 871 |
| Pretax return on assets | 2.3666% | 292 |
| Return on Equity (ROE) | 9.8751% | 2,062 |
| Retained earnings to average equity (ytd only) | 9.8751% | 959 |
| Net charge-offs to loans | 0.0700% | 2,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 64.7368% | 686 |
| Efficiency ratio | 70.0431% | 3,481 |
| Assets per employee ($millions) | 2.6488% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3023% | 701 |
| Loan loss allowance to noncurrent loans | 451.8349% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 4,932 |
| Noncurrent loans to loans | 0.5095% | 4,053 |
| Net loans and leases to total assets | 48.4063% | 4,992 |
| Net loans and leases to deposits | 68.6911% | 3,894 |
| Net loans and leases to core deposits | 69.2703% | 4,227 |
| Total domestic deposits to total assets | 70.4695% | 6,106 |
| Equity capital to assets | 15.0261% | 710 |
| Core capital (leverage) ratio | 14.1658% | 777 |
| Tier 1 risk-based capital ratio | 22.1270% | 1,219 |
| Total risk-based capital ratio | 23.3840% | 1,202 |
| Memoranda: | ||
| Average total assets | $416,464,500 | 1,622 |
| Average earning assets | $363,118,000 | 1,692 |
| Average equity | $63,878,000 | 1,194 |
| Average total loans | $217,252,500 | 1,961 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0920% | 5,968 |
| Cost of funding earning assets | 0.2047% | 5,704 |
| Net interest margin | 2.8873% | 5,669 |
| Noninterest income to average assets | 5.1206% | 124 |
| Noninterest expense to average assets | 5.7178% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2146% | 1,544 |
| Return on assets (ROA) | 1.2146% | 1,599 |
| Pretax return on assets | 1.9120% | 621 |
| Return on Equity (ROE) | 7.9328% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.1377% | 1,839 |
| Net charge-offs to loans | -0.0175% | 5,674 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3442% | 2,778 |
| Assets per employee ($millions) | 2.4764% | 6,173 |
| Cash dividends to net income (ytd only)* | 22.6291% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2499% | 772 |
| Loan loss allowance to noncurrent loans | 454.4872% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 4,944 |
| Noncurrent loans to loans | 0.4950% | 4,173 |
| Net loans and leases to total assets | 53.7474% | 4,608 |
| Net loans and leases to deposits | 76.1255% | 3,183 |
| Net loans and leases to core deposits | 76.9218% | 3,617 |
| Total domestic deposits to total assets | 70.6036% | 6,169 |
| Equity capital to assets | 15.6740% | 581 |
| Core capital (leverage) ratio | 13.7445% | 885 |
| Tier 1 risk-based capital ratio | 19.9216% | 1,610 |
| Total risk-based capital ratio | 21.1785% | 1,580 |
| Memoranda: | ||
| Average total assets | $400,204,600 | 1,641 |
| Average earning assets | $347,802,400 | 1,719 |
| Average equity | $61,277,000 | 1,190 |
| Average total loans | $216,876,800 | 1,922 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1128% | 6,011 |
| Cost of funding earning assets | 0.2037% | 5,790 |
| Net interest margin | 2.9091% | 5,683 |
| Noninterest income to average assets | 5.1694% | 121 |
| Noninterest expense to average assets | 5.7051% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2641% | 1,479 |
| Return on assets (ROA) | 1.2641% | 1,540 |
| Pretax return on assets | 2.0021% | 564 |
| Return on Equity (ROE) | 8.3052% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.2101% | 1,712 |
| Net charge-offs to loans | -0.0222% | 5,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4343% | 2,913 |
| Assets per employee ($millions) | 2.3748% | 6,312 |
| Cash dividends to net income (ytd only)* | 13.1857% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3960% | 742 |
| Loan loss allowance to noncurrent loans | 439.8050% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 5,110 |
| Noncurrent loans to loans | 0.5448% | 4,287 |
| Net loans and leases to total assets | 51.8891% | 4,820 |
| Net loans and leases to deposits | 71.8724% | 3,694 |
| Net loans and leases to core deposits | 72.5335% | 4,097 |
| Total domestic deposits to total assets | 72.1962% | 6,161 |
| Equity capital to assets | 16.0329% | 562 |
| Core capital (leverage) ratio | 13.7651% | 908 |
| Tier 1 risk-based capital ratio | 21.0003% | 1,452 |
| Total risk-based capital ratio | 22.2587% | 1,429 |
| Memoranda: | ||
| Average total assets | $399,962,000 | 1,660 |
| Average earning assets | $348,914,500 | 1,725 |
| Average equity | $60,876,250 | 1,204 |
| Average total loans | $215,950,000 | 1,944 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1427% | 6,012 |
| Cost of funding earning assets | 0.2007% | 5,905 |
| Net interest margin | 2.9420% | 5,652 |
| Noninterest income to average assets | 5.4241% | 112 |
| Noninterest expense to average assets | 5.7438% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4108% | 1,036 |
| Return on assets (ROA) | 1.4108% | 1,076 |
| Pretax return on assets | 2.2530% | 329 |
| Return on Equity (ROE) | 9.4311% | 2,404 |
| Retained earnings to average equity (ytd only) | 7.7742% | 1,401 |
| Net charge-offs to loans | -0.0210% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2621% | 3,459 |
| Assets per employee ($millions) | 2.3990% | 6,358 |
| Cash dividends to net income (ytd only)* | 17.5685% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3299% | 870 |
| Loan loss allowance to noncurrent loans | 426.5517% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 5,207 |
| Noncurrent loans to loans | 0.5462% | 4,373 |
| Net loans and leases to total assets | 51.7747% | 4,764 |
| Net loans and leases to deposits | 73.0692% | 3,444 |
| Net loans and leases to core deposits | 73.8644% | 3,853 |
| Total domestic deposits to total assets | 70.8570% | 6,317 |
| Equity capital to assets | 15.3722% | 631 |
| Core capital (leverage) ratio | 12.9084% | 1,193 |
| Tier 1 risk-based capital ratio | 20.2472% | 1,628 |
| Total risk-based capital ratio | 21.5052% | 1,597 |
| Memoranda: | ||
| Average total assets | $403,457,670 | 1,648 |
| Average earning assets | $352,820,330 | 1,708 |
| Average equity | $60,353,670 | 1,204 |
| Average total loans | $218,914,670 | 1,911 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1136% | 6,102 |
| Cost of funding earning assets | 0.1984% | 6,012 |
| Net interest margin | 2.9152% | 5,720 |
| Noninterest income to average assets | 5.9831% | 97 |
| Noninterest expense to average assets | 5.8745% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6608% | 605 |
| Return on assets (ROA) | 1.6608% | 635 |
| Pretax return on assets | 2.6636% | 190 |
| Return on Equity (ROE) | 11.2559% | 1,614 |
| Retained earnings to average equity (ytd only) | 9.5819% | 1,083 |
| Net charge-offs to loans | -0.0342% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2828% | 4,140 |
| Assets per employee ($millions) | 2.5827% | 6,312 |
| Cash dividends to net income (ytd only)* | 14.8721% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2371% | 1,110 |
| Loan loss allowance to noncurrent loans | 404.2518% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 5,294 |
| Noncurrent loans to loans | 0.5534% | 4,503 |
| Net loans and leases to total assets | 51.0076% | 4,797 |
| Net loans and leases to deposits | 71.0869% | 3,464 |
| Net loans and leases to core deposits | 71.8073% | 3,892 |
| Total domestic deposits to total assets | 71.7539% | 6,371 |
| Equity capital to assets | 14.2942% | 831 |
| Core capital (leverage) ratio | 12.7921% | 1,250 |
| Tier 1 risk-based capital ratio | 19.3626% | 1,870 |
| Total risk-based capital ratio | 20.6164% | 1,838 |
| Memoranda: | ||
| Average total assets | $404,870,500 | 1,652 |
| Average earning assets | $354,829,500 | 1,710 |
| Average equity | $59,737,500 | 1,222 |
| Average total loans | $222,185,000 | 1,886 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3195% | 5,975 |
| Cost of funding earning assets | 0.2864% | 5,697 |
| Net interest margin | 3.0331% | 5,501 |
| Noninterest income to average assets | 5.4649% | 121 |
| Noninterest expense to average assets | 5.9433% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3606% | 1,109 |
| Return on assets (ROA) | 1.3624% | 1,151 |
| Pretax return on assets | 2.1582% | 332 |
| Return on Equity (ROE) | 9.0181% | 2,524 |
| Retained earnings to average equity (ytd only) | 5.1795% | 2,484 |
| Net charge-offs to loans | -0.0606% | 6,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8606% | 3,319 |
| Assets per employee ($millions) | 2.3404% | 6,497 |
| Cash dividends to net income (ytd only)* | 42.5653% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2048% | 1,172 |
| Loan loss allowance to noncurrent loans | 375.3811% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 5,250 |
| Noncurrent loans to loans | 0.5874% | 4,517 |
| Net loans and leases to total assets | 56.5677% | 4,244 |
| Net loans and leases to deposits | 81.6143% | 2,231 |
| Net loans and leases to core deposits | 82.3968% | 2,848 |
| Total domestic deposits to total assets | 69.3110% | 6,547 |
| Equity capital to assets | 15.2598% | 632 |
| Core capital (leverage) ratio | 13.0376% | 1,126 |
| Tier 1 risk-based capital ratio | 18.6563% | 2,030 |
| Total risk-based capital ratio | 19.9131% | 1,990 |
| Memoranda: | ||
| Average total assets | $388,000,000 | 1,696 |
| Average earning assets | $336,920,200 | 1,763 |
| Average equity | $58,615,400 | 1,228 |
| Average total loans | $216,328,600 | 1,890 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 6,002 |
| Cost of funding earning assets | 0.3049% | 5,692 |
| Net interest margin | 3.0264% | 5,529 |
| Noninterest income to average assets | 5.6750% | 121 |
| Noninterest expense to average assets | 5.9719% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4649% | 957 |
| Return on assets (ROA) | 1.4673% | 1,004 |
| Pretax return on assets | 2.3336% | 302 |
| Return on Equity (ROE) | 9.7372% | 2,287 |
| Retained earnings to average equity (ytd only) | 8.5983% | 1,198 |
| Net charge-offs to loans | -0.1007% | 6,499 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4392% | 3,524 |
| Assets per employee ($millions) | 2.2234% | 6,632 |
| Cash dividends to net income (ytd only)* | 11.6959% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3754% | 1,076 |
| Loan loss allowance to noncurrent loans | 402.9268% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 5,444 |
| Noncurrent loans to loans | 0.5895% | 4,726 |
| Net loans and leases to total assets | 53.2610% | 4,715 |
| Net loans and leases to deposits | 73.3090% | 3,348 |
| Net loans and leases to core deposits | 74.0761% | 3,838 |
| Total domestic deposits to total assets | 72.6527% | 6,456 |
| Equity capital to assets | 15.6315% | 611 |
| Core capital (leverage) ratio | 13.3991% | 1,064 |
| Tier 1 risk-based capital ratio | 19.0778% | 1,967 |
| Total risk-based capital ratio | 20.3349% | 1,930 |
| Memoranda: | ||
| Average total assets | $388,457,250 | 1,704 |
| Average earning assets | $337,161,000 | 1,776 |
| Average equity | $58,537,000 | 1,238 |
| Average total loans | $214,567,500 | 1,902 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3476% | 6,007 |
| Cost of funding earning assets | 0.3186% | 5,676 |
| Net interest margin | 3.0290% | 5,498 |
| Noninterest income to average assets | 6.1214% | 118 |
| Noninterest expense to average assets | 6.0604% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6807% | 646 |
| Return on assets (ROA) | 1.6846% | 702 |
| Pretax return on assets | 2.7065% | 207 |
| Return on Equity (ROE) | 11.3174% | 1,714 |
| Retained earnings to average equity (ytd only) | 9.5969% | 940 |
| Net charge-offs to loans | -0.1524% | 6,596 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7091% | 4,056 |
| Assets per employee ($millions) | 2.3233% | 6,625 |
| Cash dividends to net income (ytd only)* | 15.2022% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3083% | 1,250 |
| Loan loss allowance to noncurrent loans | 390.7801% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 5,513 |
| Noncurrent loans to loans | 0.5907% | 4,781 |
| Net loans and leases to total assets | 53.1377% | 4,714 |
| Net loans and leases to deposits | 73.8932% | 3,172 |
| Net loans and leases to core deposits | 74.6690% | 3,702 |
| Total domestic deposits to total assets | 71.9115% | 6,566 |
| Equity capital to assets | 14.8524% | 742 |
| Core capital (leverage) ratio | 12.8664% | 1,216 |
| Tier 1 risk-based capital ratio | 18.3169% | 2,204 |
| Total risk-based capital ratio | 19.5736% | 2,168 |
| Memoranda: | ||
| Average total assets | $390,467,670 | 1,695 |
| Average earning assets | $340,247,670 | 1,765 |
| Average equity | $58,123,000 | 1,247 |
| Average total loans | $216,543,330 | 1,888 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,947 |
| Cost of funding earning assets | 0.3576% | 5,464 |
| Net interest margin | 3.0399% | 5,462 |
| Noninterest income to average assets | 6.4469% | 106 |
| Noninterest expense to average assets | 6.1213% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8526% | 436 |
| Return on assets (ROA) | 1.8526% | 479 |
| Pretax return on assets | 2.9798% | 159 |
| Return on Equity (ROE) | 12.4314% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.4314% | 642 |
| Net charge-offs to loans | -0.0092% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8063% | 4,522 |
| Assets per employee ($millions) | 2.3414% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1730% | 1,645 |
| Loan loss allowance to noncurrent loans | 331.6517% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 5,492 |
| Noncurrent loans to loans | 0.6552% | 4,811 |
| Net loans and leases to total assets | 54.6005% | 4,316 |
| Net loans and leases to deposits | 76.6501% | 2,531 |
| Net loans and leases to core deposits | 77.4569% | 3,136 |
| Total domestic deposits to total assets | 71.2335% | 6,695 |
| Equity capital to assets | 14.8321% | 799 |
| Core capital (leverage) ratio | 12.4698% | 1,350 |
| Tier 1 risk-based capital ratio | 17.8930% | 2,412 |
| Total risk-based capital ratio | 19.1491% | 2,371 |
| Memoranda: | ||
| Average total assets | $388,218,500 | 1,724 |
| Average earning assets | $338,957,000 | 1,785 |
| Average equity | $57,853,500 | 1,260 |
| Average total loans | $217,397,500 | 1,889 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 5,980 |
| Cost of funding earning assets | 0.5292% | 5,000 |
| Net interest margin | 3.2053% | 5,557 |
| Noninterest income to average assets | 4.9509% | 148 |
| Noninterest expense to average assets | 5.7260% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3107% | 1,268 |
| Return on assets (ROA) | 1.3107% | 1,411 |
| Pretax return on assets | 2.0186% | 578 |
| Return on Equity (ROE) | 9.2414% | 2,520 |
| Retained earnings to average equity (ytd only) | 6.1078% | 2,014 |
| Net charge-offs to loans | 0.1856% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 19.8700% | 1,374 |
| Efficiency ratio | 73.4079% | 3,170 |
| Assets per employee ($millions) | 2.2529% | 6,798 |
| Cash dividends to net income (ytd only)* | 33.9082% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2408% | 1,477 |
| Loan loss allowance to noncurrent loans | 322.8283% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 5,510 |
| Noncurrent loans to loans | 0.6941% | 4,805 |
| Net loans and leases to total assets | 54.9324% | 4,464 |
| Net loans and leases to deposits | 77.0557% | 2,651 |
| Net loans and leases to core deposits | 79.4115% | 3,089 |
| Total domestic deposits to total assets | 71.2891% | 6,726 |
| Equity capital to assets | 14.9753% | 739 |
| Core capital (leverage) ratio | 12.0991% | 1,516 |
| Tier 1 risk-based capital ratio | 17.5852% | 2,424 |
| Total risk-based capital ratio | 18.8417% | 2,386 |
| Memoranda: | ||
| Average total assets | $393,747,000 | 1,662 |
| Average earning assets | $343,180,000 | 1,737 |
| Average equity | $55,846,800 | 1,276 |
| Average total loans | $215,507,400 | 1,882 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 6,053 |
| Cost of funding earning assets | 0.5478% | 5,103 |
| Net interest margin | 3.2381% | 5,592 |
| Noninterest income to average assets | 4.9030% | 145 |
| Noninterest expense to average assets | 5.5784% | 256 |
| Loan and lease loss provision to assets | 0.0329% | 5,366 |
| Net operating income to assets | 1.3753% | 1,278 |
| Return on assets (ROA) | 1.3753% | 1,414 |
| Pretax return on assets | 2.1185% | 550 |
| Return on Equity (ROE) | 9.8280% | 2,429 |
| Retained earnings to average equity (ytd only) | 6.8280% | 2,223 |
| Net charge-offs to loans | -0.0093% | 6,356 |
| Credit loss provision to net charge-offs | -653.3333% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6415% | 3,388 |
| Assets per employee ($millions) | 2.2733% | 6,875 |
| Cash dividends to net income (ytd only)* | 30.5251% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5615% | 1,127 |
| Loan loss allowance to noncurrent loans | 273.9804% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 5,439 |
| Noncurrent loans to loans | 0.9349% | 4,565 |
| Net loans and leases to total assets | 51.6311% | 5,097 |
| Net loans and leases to deposits | 71.1457% | 3,727 |
| Net loans and leases to core deposits | 73.7591% | 4,003 |
| Total domestic deposits to total assets | 72.5709% | 6,709 |
| Equity capital to assets | 14.4757% | 976 |
| Core capital (leverage) ratio | 11.8700% | 1,734 |
| Tier 1 risk-based capital ratio | 17.8852% | 2,394 |
| Total risk-based capital ratio | 19.1449% | 2,353 |
| Memoranda: | ||
| Average total assets | $396,998,500 | 1,667 |
| Average earning assets | $346,576,250 | 1,740 |
| Average equity | $55,554,250 | 1,291 |
| Average total loans | $215,898,250 | 1,886 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 5,926 |
| Cost of funding earning assets | 0.5600% | 5,232 |
| Net interest margin | 3.3375% | 5,317 |
| Noninterest income to average assets | 5.2030% | 135 |
| Noninterest expense to average assets | 5.6216% | 255 |
| Loan and lease loss provision to assets | 0.0752% | 4,684 |
| Net operating income to assets | 1.5343% | 942 |
| Return on assets (ROA) | 1.5343% | 1,056 |
| Pretax return on assets | 2.4221% | 334 |
| Return on Equity (ROE) | 11.0894% | 1,963 |
| Retained earnings to average equity (ytd only) | 9.2780% | 1,183 |
| Net charge-offs to loans | -0.0219% | 6,448 |
| Credit loss provision to net charge-offs | -625.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7411% | 3,983 |
| Assets per employee ($millions) | 2.3205% | 6,895 |
| Cash dividends to net income (ytd only)* | 16.3345% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 1,251 |
| Loan loss allowance to noncurrent loans | 374.0767% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 5,876 |
| Noncurrent loans to loans | 0.6743% | 5,153 |
| Net loans and leases to total assets | 52.2779% | 5,062 |
| Net loans and leases to deposits | 72.1693% | 3,586 |
| Net loans and leases to core deposits | 75.0579% | 3,877 |
| Total domestic deposits to total assets | 72.4379% | 6,779 |
| Equity capital to assets | 14.1875% | 1,018 |
| Core capital (leverage) ratio | 11.5796% | 1,850 |
| Tier 1 risk-based capital ratio | 17.3553% | 2,529 |
| Total risk-based capital ratio | 18.6145% | 2,488 |
| Memoranda: | ||
| Average total assets | $398,997,670 | 1,659 |
| Average earning assets | $348,584,000 | 1,732 |
| Average equity | $55,205,670 | 1,289 |
| Average total loans | $218,802,670 | 1,863 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 5,480 |
| Cost of funding earning assets | 0.5878% | 5,229 |
| Net interest margin | 3.5060% | 4,666 |
| Noninterest income to average assets | 5.8776% | 119 |
| Noninterest expense to average assets | 5.8386% | 221 |
| Loan and lease loss provision to assets | 0.1500% | 3,491 |
| Net operating income to assets | 1.8396% | 554 |
| Return on assets (ROA) | 1.8396% | 627 |
| Pretax return on assets | 2.9543% | 193 |
| Return on Equity (ROE) | 13.4651% | 1,295 |
| Retained earnings to average equity (ytd only) | 13.4651% | 624 |
| Net charge-offs to loans | -0.0144% | 6,064 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8295% | 4,772 |
| Assets per employee ($millions) | 2.4191% | 6,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4105% | 1,487 |
| Loan loss allowance to noncurrent loans | 364.8262% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 6,000 |
| Noncurrent loans to loans | 0.6607% | 5,324 |
| Net loans and leases to total assets | 52.3805% | 4,963 |
| Net loans and leases to deposits | 72.6782% | 3,327 |
| Net loans and leases to core deposits | 75.5399% | 3,681 |
| Total domestic deposits to total assets | 72.0717% | 6,873 |
| Equity capital to assets | 13.4345% | 1,262 |
| Core capital (leverage) ratio | 11.3161% | 2,019 |
| Tier 1 risk-based capital ratio | 16.5126% | 2,906 |
| Total risk-based capital ratio | 17.7710% | 2,866 |
| Memoranda: | ||
| Average total assets | $400,093,500 | 1,656 |
| Average earning assets | $349,804,000 | 1,729 |
| Average equity | $54,660,000 | 1,297 |
| Average total loans | $221,799,000 | 1,844 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 4,291 |
| Cost of funding earning assets | 0.7668% | 5,084 |
| Net interest margin | 3.9219% | 3,247 |
| Noninterest income to average assets | 5.0959% | 122 |
| Noninterest expense to average assets | 6.1138% | 197 |
| Loan and lease loss provision to assets | 0.3839% | 2,690 |
| Net operating income to assets | 1.2804% | 1,294 |
| Return on assets (ROA) | 1.2943% | 1,366 |
| Pretax return on assets | 2.0275% | 504 |
| Return on Equity (ROE) | 9.5458% | 2,230 |
| Retained earnings to average equity (ytd only) | 6.6855% | 1,649 |
| Net charge-offs to loans | 0.0405% | 5,909 |
| Credit loss provision to net charge-offs | 1,500.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 93.3636% | 323 |
| Efficiency ratio | 71.3956% | 3,714 |
| Assets per employee ($millions) | 2.1594% | 7,096 |
| Cash dividends to net income (ytd only)* | 29.9640% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3442% | 1,553 |
| Loan loss allowance to noncurrent loans | 4,637.5000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 6,900 |
| Noncurrent loans to loans | 0.0505% | 6,695 |
| Net loans and leases to total assets | 55.9793% | 4,713 |
| Net loans and leases to deposits | 78.3048% | 2,785 |
| Net loans and leases to core deposits | 81.8979% | 3,189 |
| Total domestic deposits to total assets | 71.4889% | 6,900 |
| Equity capital to assets | 13.9051% | 1,098 |
| Core capital (leverage) ratio | 11.4820% | 1,902 |
| Tier 1 risk-based capital ratio | 15.9531% | 3,076 |
| Total risk-based capital ratio | 17.2111% | 3,030 |
| Memoranda: | ||
| Average total assets | $386,778,600 | 1,673 |
| Average earning assets | $336,065,600 | 1,764 |
| Average equity | $52,442,000 | 1,295 |
| Average total loans | $244,467,800 | 1,711 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 4,169 |
| Cost of funding earning assets | 0.8057% | 5,112 |
| Net interest margin | 3.9592% | 3,109 |
| Noninterest income to average assets | 5.1537% | 121 |
| Noninterest expense to average assets | 6.1054% | 190 |
| Loan and lease loss provision to assets | 0.3395% | 2,847 |
| Net operating income to assets | 1.3653% | 1,232 |
| Return on assets (ROA) | 1.3838% | 1,269 |
| Pretax return on assets | 2.1845% | 441 |
| Return on Equity (ROE) | 10.2718% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.7134% | 1,622 |
| Net charge-offs to loans | 0.0373% | 5,622 |
| Credit loss provision to net charge-offs | 1,407.1429% | 193 |
| Earnings coverage of net charge-offs (x) | 103.4154% | 353 |
| Efficiency ratio | 70.4925% | 3,858 |
| Assets per employee ($millions) | 2.1146% | 7,195 |
| Cash dividends to net income (ytd only)* | 24.9066% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 2,312 |
| Loan loss allowance to noncurrent loans | 4,586.4078% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 6,989 |
| Noncurrent loans to loans | 0.0438% | 6,829 |
| Net loans and leases to total assets | 60.8482% | 3,976 |
| Net loans and leases to deposits | 83.3250% | 2,124 |
| Net loans and leases to core deposits | 87.5313% | 2,558 |
| Total domestic deposits to total assets | 73.0251% | 6,855 |
| Equity capital to assets | 14.1153% | 1,114 |
| Core capital (leverage) ratio | 11.3932% | 2,106 |
| Tier 1 risk-based capital ratio | 14.9614% | 3,680 |
| Total risk-based capital ratio | 16.2162% | 3,655 |
| Memoranda: | ||
| Average total assets | $386,841,500 | 1,687 |
| Average earning assets | $336,756,000 | 1,772 |
| Average equity | $52,115,750 | 1,302 |
| Average total loans | $250,192,500 | 1,691 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 4,374 |
| Cost of funding earning assets | 0.8303% | 5,191 |
| Net interest margin | 3.9038% | 3,294 |
| Noninterest income to average assets | 5.3920% | 125 |
| Noninterest expense to average assets | 6.0932% | 189 |
| Loan and lease loss provision to assets | 0.3080% | 2,950 |
| Net operating income to assets | 1.5134% | 861 |
| Return on assets (ROA) | 1.5410% | 871 |
| Pretax return on assets | 2.4465% | 270 |
| Return on Equity (ROE) | 11.6181% | 1,598 |
| Retained earnings to average equity (ytd only) | 9.6830% | 919 |
| Net charge-offs to loans | 0.0494% | 5,163 |
| Credit loss provision to net charge-offs | 952.3810% | 345 |
| Earnings coverage of net charge-offs (x) | 83.8413% | 413 |
| Efficiency ratio | 68.7208% | 4,384 |
| Assets per employee ($millions) | 2.2505% | 7,154 |
| Cash dividends to net income (ytd only)* | 16.6556% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 3,267 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 6,992 |
| Noncurrent loans to loans | 0.0419% | 6,877 |
| Net loans and leases to total assets | 63.8870% | 3,490 |
| Net loans and leases to deposits | 87.9814% | 1,503 |
| Net loans and leases to core deposits | 94.3428% | 1,857 |
| Total domestic deposits to total assets | 72.6142% | 6,965 |
| Equity capital to assets | 13.5794% | 1,256 |
| Core capital (leverage) ratio | 10.9579% | 2,289 |
| Tier 1 risk-based capital ratio | 13.9459% | 4,205 |
| Total risk-based capital ratio | 15.1980% | 4,177 |
| Memoranda: | ||
| Average total assets | $389,615,670 | 1,683 |
| Average earning assets | $340,590,330 | 1,757 |
| Average equity | $51,678,000 | 1,300 |
| Average total loans | $255,241,330 | 1,679 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 4,616 |
| Cost of funding earning assets | 0.8525% | 5,253 |
| Net interest margin | 3.8275% | 3,479 |
| Noninterest income to average assets | 5.8939% | 118 |
| Noninterest expense to average assets | 6.2449% | 180 |
| Loan and lease loss provision to assets | 0.3079% | 2,703 |
| Net operating income to assets | 1.6741% | 598 |
| Return on assets (ROA) | 1.7293% | 584 |
| Pretax return on assets | 2.7864% | 179 |
| Return on Equity (ROE) | 13.1943% | 1,149 |
| Retained earnings to average equity (ytd only) | 13.1943% | 560 |
| Net charge-offs to loans | 0.1014% | 3,938 |
| Credit loss provision to net charge-offs | 461.5385% | 763 |
| Earnings coverage of net charge-offs (x) | 45.0923% | 624 |
| Efficiency ratio | 67.0364% | 4,845 |
| Assets per employee ($millions) | 2.2724% | 7,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 3,798 |
| Loan loss allowance to noncurrent loans | 1,497.7778% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 6,984 |
| Noncurrent loans to loans | 0.1057% | 6,785 |
| Net loans and leases to total assets | 63.1921% | 3,604 |
| Net loans and leases to deposits | 87.7681% | 1,489 |
| Net loans and leases to core deposits | 94.1156% | 1,870 |
| Total domestic deposits to total assets | 71.9990% | 7,078 |
| Equity capital to assets | 13.0266% | 1,365 |
| Core capital (leverage) ratio | 10.6488% | 2,473 |
| Tier 1 risk-based capital ratio | 13.7210% | 4,261 |
| Total risk-based capital ratio | 14.9720% | 4,230 |
| Memoranda: | ||
| Average total assets | $389,757,000 | 1,693 |
| Average earning assets | $342,048,000 | 1,763 |
| Average equity | $51,082,500 | 1,305 |
| Average total loans | $256,322,500 | 1,689 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 4,018 |
| Cost of funding earning assets | 1.1524% | 4,837 |
| Net interest margin | 3.9645% | 3,181 |
| Noninterest income to average assets | 4.9148% | 139 |
| Noninterest expense to average assets | 6.1090% | 220 |
| Loan and lease loss provision to assets | 0.4967% | 3,173 |
| Net operating income to assets | 1.1751% | 1,474 |
| Return on assets (ROA) | 1.1899% | 1,517 |
| Pretax return on assets | 1.7610% | 824 |
| Return on Equity (ROE) | 9.0008% | 2,288 |
| Retained earnings to average equity (ytd only) | 6.4691% | 1,571 |
| Net charge-offs to loans | 0.1772% | 5,260 |
| Credit loss provision to net charge-offs | 428.4065% | 550 |
| Earnings coverage of net charge-offs (x) | 19.2864% | 1,064 |
| Efficiency ratio | 72.6634% | 3,663 |
| Assets per employee ($millions) | 2.1451% | 7,338 |
| Cash dividends to net income (ytd only)* | 28.1278% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 4,123 |
| Loan loss allowance to noncurrent loans | 1,175.3086% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 7,016 |
| Noncurrent loans to loans | 0.1259% | 6,819 |
| Net loans and leases to total assets | 66.3877% | 3,384 |
| Net loans and leases to deposits | 91.8493% | 1,279 |
| Net loans and leases to core deposits | 102.6188% | 1,407 |
| Total domestic deposits to total assets | 72.2789% | 7,063 |
| Equity capital to assets | 13.1892% | 1,305 |
| Core capital (leverage) ratio | 10.5823% | 2,478 |
| Tier 1 risk-based capital ratio | 12.9342% | 4,650 |
| Total risk-based capital ratio | 14.1633% | 4,649 |
| Memoranda: | ||
| Average total assets | $373,480,400 | 1,764 |
| Average earning assets | $323,143,200 | 1,846 |
| Average equity | $49,373,400 | 1,353 |
| Average total loans | $244,416,600 | 1,792 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1844% | 3,919 |
| Cost of funding earning assets | 1.1580% | 5,098 |
| Net interest margin | 4.0263% | 2,973 |
| Noninterest income to average assets | 4.8286% | 139 |
| Noninterest expense to average assets | 6.0887% | 215 |
| Loan and lease loss provision to assets | 0.4146% | 3,417 |
| Net operating income to assets | 1.1979% | 1,601 |
| Return on assets (ROA) | 1.2174% | 1,622 |
| Pretax return on assets | 1.8305% | 873 |
| Return on Equity (ROE) | 9.2032% | 2,424 |
| Retained earnings to average equity (ytd only) | 7.1677% | 1,773 |
| Net charge-offs to loans | 0.1896% | 4,816 |
| Credit loss provision to net charge-offs | 336.7347% | 941 |
| Earnings coverage of net charge-offs (x) | 17.9972% | 1,291 |
| Efficiency ratio | 72.7662% | 3,563 |
| Assets per employee ($millions) | 2.1472% | 7,427 |
| Cash dividends to net income (ytd only)* | 22.1175% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 5,063 |
| Loan loss allowance to noncurrent loans | 1,058.9404% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 7,091 |
| Noncurrent loans to loans | 0.1209% | 6,943 |
| Net loans and leases to total assets | 65.2588% | 3,849 |
| Net loans and leases to deposits | 85.8399% | 2,378 |
| Net loans and leases to core deposits | 97.0215% | 2,143 |
| Total domestic deposits to total assets | 76.0239% | 6,650 |
| Equity capital to assets | 13.2855% | 1,453 |
| Core capital (leverage) ratio | 10.8258% | 2,391 |
| Tier 1 risk-based capital ratio | 12.8542% | 4,686 |
| Total risk-based capital ratio | 13.8955% | 4,842 |
| Memoranda: | ||
| Average total assets | $371,391,500 | 1,788 |
| Average earning assets | $320,646,500 | 1,878 |
| Average equity | $49,126,500 | 1,370 |
| Average total loans | $241,195,750 | 1,835 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 4,076 |
| Cost of funding earning assets | 1.2120% | 5,063 |
| Net interest margin | 3.9617% | 3,199 |
| Noninterest income to average assets | 5.1969% | 134 |
| Noninterest expense to average assets | 6.2099% | 206 |
| Loan and lease loss provision to assets | 0.3819% | 3,425 |
| Net operating income to assets | 1.3350% | 1,229 |
| Return on assets (ROA) | 1.3640% | 1,233 |
| Pretax return on assets | 2.0768% | 510 |
| Return on Equity (ROE) | 10.3268% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.2509% | 1,729 |
| Net charge-offs to loans | 0.2820% | 3,929 |
| Credit loss provision to net charge-offs | 209.8214% | 1,855 |
| Earnings coverage of net charge-offs (x) | 13.2679% | 1,600 |
| Efficiency ratio | 71.4672% | 3,911 |
| Assets per employee ($millions) | 2.0509% | 7,553 |
| Cash dividends to net income (ytd only)* | 29.7855% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,725 |
| Loan loss allowance to noncurrent loans | 688.7500% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 7,117 |
| Noncurrent loans to loans | 0.1660% | 6,927 |
| Net loans and leases to total assets | 64.5407% | 4,152 |
| Net loans and leases to deposits | 87.0249% | 2,333 |
| Net loans and leases to core deposits | 92.5803% | 2,907 |
| Total domestic deposits to total assets | 74.1635% | 6,956 |
| Equity capital to assets | 13.3794% | 1,399 |
| Core capital (leverage) ratio | 10.6985% | 2,465 |
| Tier 1 risk-based capital ratio | 12.9546% | 4,488 |
| Total risk-based capital ratio | 13.8802% | 4,715 |
| Memoranda: | ||
| Average total assets | $369,219,000 | 1,814 |
| Average earning assets | $319,460,000 | 1,904 |
| Average equity | $48,766,330 | 1,375 |
| Average total loans | $238,322,000 | 1,883 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 4,370 |
| Cost of funding earning assets | 1.2168% | 5,301 |
| Net interest margin | 3.9182% | 3,244 |
| Noninterest income to average assets | 5.5345% | 131 |
| Noninterest expense to average assets | 6.1011% | 213 |
| Loan and lease loss provision to assets | 0.3575% | 3,231 |
| Net operating income to assets | 1.6325% | 707 |
| Return on assets (ROA) | 1.6325% | 752 |
| Pretax return on assets | 2.4840% | 258 |
| Return on Equity (ROE) | 12.4408% | 1,382 |
| Retained earnings to average equity (ytd only) | 12.4408% | 690 |
| Net charge-offs to loans | 0.2785% | 3,298 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 15.8970% | 1,358 |
| Efficiency ratio | 67.7165% | 4,780 |
| Assets per employee ($millions) | 2.1345% | 7,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 6,103 |
| Loan loss allowance to noncurrent loans | 437.5643% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 7,080 |
| Noncurrent loans to loans | 0.2469% | 6,848 |
| Net loans and leases to total assets | 64.0031% | 4,328 |
| Net loans and leases to deposits | 87.7193% | 2,276 |
| Net loans and leases to core deposits | 97.7243% | 2,373 |
| Total domestic deposits to total assets | 72.9635% | 7,166 |
| Equity capital to assets | 13.4651% | 1,341 |
| Core capital (leverage) ratio | 10.5545% | 2,569 |
| Tier 1 risk-based capital ratio | 13.2967% | 4,128 |
| Total risk-based capital ratio | 14.1833% | 4,359 |
| Memoranda: | ||
| Average total assets | $369,246,500 | 1,859 |
| Average earning assets | $321,168,500 | 1,937 |
| Average equity | $48,453,500 | 1,387 |
| Average total loans | $236,975,000 | 1,947 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 6,217 |
| Cost of funding earning assets | 1.5918% | 5,062 |
| Net interest margin | 3.4721% | 5,079 |
| Noninterest income to average assets | 4.9332% | 146 |
| Noninterest expense to average assets | 5.8648% | 328 |
| Loan and lease loss provision to assets | 0.6322% | 3,275 |
| Net operating income to assets | 1.0044% | 1,825 |
| Return on assets (ROA) | 1.0046% | 1,872 |
| Pretax return on assets | 1.4777% | 1,240 |
| Return on Equity (ROE) | 8.0310% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.3149% | 2,209 |
| Net charge-offs to loans | 1.0188% | 2,373 |
| Credit loss provision to net charge-offs | 97.6611% | 5,699 |
| Earnings coverage of net charge-offs (x) | 3.2589% | 3,430 |
| Efficiency ratio | 72.7191% | 4,149 |
| Assets per employee ($millions) | 2.0983% | 7,657 |
| Cash dividends to net income (ytd only)* | 46.2718% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 6,361 |
| Loan loss allowance to noncurrent loans | 347.3071% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 7,009 |
| Noncurrent loans to loans | 0.2889% | 6,704 |
| Net loans and leases to total assets | 63.0271% | 4,798 |
| Net loans and leases to deposits | 88.4061% | 2,486 |
| Net loans and leases to core deposits | 103.3816% | 3,640 |
| Total domestic deposits to total assets | 71.2928% | 7,307 |
| Equity capital to assets | 12.7872% | 1,603 |
| Core capital (leverage) ratio | 10.2118% | 2,869 |
| Tier 1 risk-based capital ratio | 12.6949% | 4,370 |
| Total risk-based capital ratio | 13.5201% | 4,671 |
| Memoranda: | ||
| Average total assets | $376,468,200 | 1,816 |
| Average earning assets | $329,747,200 | 1,882 |
| Average equity | $47,092,400 | 1,428 |
| Average total loans | $239,194,800 | 1,959 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 6,319 |
| Cost of funding earning assets | 1.6989% | 4,906 |
| Net interest margin | 3.3862% | 5,327 |
| Noninterest income to average assets | 5.1231% | 135 |
| Noninterest expense to average assets | 6.0612% | 302 |
| Loan and lease loss provision to assets | 0.5744% | 3,085 |
| Net operating income to assets | 1.0089% | 2,024 |
| Return on assets (ROA) | 1.0091% | 2,085 |
| Pretax return on assets | 1.4559% | 1,535 |
| Return on Equity (ROE) | 8.1119% | 2,594 |
| Retained earnings to average equity (ytd only) | 5.2706% | 2,331 |
| Net charge-offs to loans | 0.2304% | 4,619 |
| Credit loss provision to net charge-offs | 392.5121% | 1,021 |
| Earnings coverage of net charge-offs (x) | 13.8719% | 1,646 |
| Efficiency ratio | 74.0990% | 3,848 |
| Assets per employee ($millions) | 2.0096% | 7,796 |
| Cash dividends to net income (ytd only)* | 35.0263% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,285 |
| Loan loss allowance to noncurrent loans | 159.1463% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 5,850 |
| Noncurrent loans to loans | 0.9608% | 5,375 |
| Net loans and leases to total assets | 65.4161% | 4,555 |
| Net loans and leases to deposits | 89.2842% | 2,724 |
| Net loans and leases to core deposits | 105.4407% | 3,764 |
| Total domestic deposits to total assets | 73.2673% | 7,054 |
| Equity capital to assets | 13.3088% | 1,571 |
| Core capital (leverage) ratio | 9.9025% | 3,396 |
| Tier 1 risk-based capital ratio | 12.7198% | 4,374 |
| Total risk-based capital ratio | 13.9689% | 4,328 |
| Memoranda: | ||
| Average total assets | $377,210,750 | 1,823 |
| Average earning assets | $330,627,250 | 1,895 |
| Average equity | $46,925,500 | 1,459 |
| Average total loans | $239,545,750 | 1,980 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 6,762 |
| Cost of funding earning assets | 1.7704% | 4,906 |
| Net interest margin | 3.2320% | 5,797 |
| Noninterest income to average assets | 5.3592% | 128 |
| Noninterest expense to average assets | 5.9873% | 321 |
| Loan and lease loss provision to assets | 0.6527% | 2,473 |
| Net operating income to assets | 1.0563% | 1,927 |
| Return on assets (ROA) | 1.0563% | 2,002 |
| Pretax return on assets | 1.5513% | 1,324 |
| Return on Equity (ROE) | 8.6807% | 2,485 |
| Retained earnings to average equity (ytd only) | 4.3897% | 2,858 |
| Net charge-offs to loans | 0.0567% | 5,701 |
| Credit loss provision to net charge-offs | 1,838.2353% | 288 |
| Earnings coverage of net charge-offs (x) | 62.0735% | 575 |
| Efficiency ratio | 72.3037% | 4,347 |
| Assets per employee ($millions) | 2.2415% | 7,630 |
| Cash dividends to net income (ytd only)* | 49.4315% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 3,115 |
| Loan loss allowance to noncurrent loans | 139.6917% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 5,775 |
| Noncurrent loans to loans | 1.0835% | 5,031 |
| Net loans and leases to total assets | 59.4530% | 5,771 |
| Net loans and leases to deposits | 78.5743% | 4,771 |
| Net loans and leases to core deposits | 94.6093% | 5,048 |
| Total domestic deposits to total assets | 75.6647% | 6,625 |
| Equity capital to assets | 11.8315% | 2,304 |
| Core capital (leverage) ratio | 9.3103% | 4,153 |
| Tier 1 risk-based capital ratio | 12.3738% | 4,624 |
| Total risk-based capital ratio | 13.6240% | 4,545 |
| Memoranda: | ||
| Average total assets | $383,042,000 | 1,820 |
| Average earning assets | $335,639,330 | 1,889 |
| Average equity | $46,609,330 | 1,481 |
| Average total loans | $239,738,670 | 2,005 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 6,485 |
| Cost of funding earning assets | 1.8333% | 4,954 |
| Net interest margin | 3.3171% | 5,440 |
| Noninterest income to average assets | 5.9172% | 114 |
| Noninterest expense to average assets | 6.2724% | 264 |
| Loan and lease loss provision to assets | 0.8772% | 1,497 |
| Net operating income to assets | 1.1303% | 1,867 |
| Return on assets (ROA) | 1.1303% | 1,990 |
| Pretax return on assets | 1.6630% | 1,262 |
| Return on Equity (ROE) | 9.1552% | 2,650 |
| Retained earnings to average equity (ytd only) | 7.0021% | 2,207 |
| Net charge-offs to loans | 0.0100% | 5,502 |
| Credit loss provision to net charge-offs | 13,750.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 398.1667% | 84 |
| Efficiency ratio | 70.4271% | 4,490 |
| Assets per employee ($millions) | 2.1522% | 7,766 |
| Cash dividends to net income (ytd only)* | 23.5183% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 3,585 |
| Loan loss allowance to noncurrent loans | 129.7018% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 5,521 |
| Noncurrent loans to loans | 1.0676% | 4,848 |
| Net loans and leases to total assets | 59.9702% | 5,658 |
| Net loans and leases to deposits | 80.9164% | 4,469 |
| Net loans and leases to core deposits | 98.8499% | 4,663 |
| Total domestic deposits to total assets | 74.1138% | 6,867 |
| Equity capital to assets | 12.0640% | 2,220 |
| Core capital (leverage) ratio | 9.5509% | 3,922 |
| Tier 1 risk-based capital ratio | 12.3987% | 4,617 |
| Total risk-based capital ratio | 13.5446% | 4,628 |
| Memoranda: | ||
| Average total assets | $376,190,500 | 1,858 |
| Average earning assets | $328,363,500 | 1,927 |
| Average equity | $46,443,500 | 1,492 |
| Average total loans | $239,857,000 | 2,026 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9262% | 5,918 |
| Cost of funding earning assets | 2.3738% | 4,837 |
| Net interest margin | 3.5524% | 5,089 |
| Noninterest income to average assets | 4.6910% | 133 |
| Noninterest expense to average assets | 5.8425% | 430 |
| Loan and lease loss provision to assets | 0.3631% | 3,510 |
| Net operating income to assets | 1.0560% | 2,326 |
| Return on assets (ROA) | 1.0560% | 2,225 |
| Pretax return on assets | 1.5040% | 1,675 |
| Return on Equity (ROE) | 8.5118% | 2,836 |
| Retained earnings to average equity (ytd only) | 6.2552% | 1,404 |
| Net charge-offs to loans | 0.3550% | 3,053 |
| Credit loss provision to net charge-offs | 152.5882% | 3,432 |
| Earnings coverage of net charge-offs (x) | 7.8459% | 3,014 |
| Efficiency ratio | 74.9982% | 3,400 |
| Assets per employee ($millions) | 2.1987% | 7,712 |
| Cash dividends to net income (ytd only)* | 26.5111% | 4,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,048 |
| Loan loss allowance to noncurrent loans | 22,209.0909% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 5,345 |
| Noncurrent loans to loans | 0.0045% | 7,547 |
| Net loans and leases to total assets | 66.2183% | 4,804 |
| Net loans and leases to deposits | 91.1823% | 3,265 |
| Net loans and leases to core deposits | 112.9638% | 3,450 |
| Total domestic deposits to total assets | 72.6219% | 6,896 |
| Equity capital to assets | 12.6447% | 1,946 |
| Core capital (leverage) ratio | 9.6331% | 3,844 |
| Tier 1 risk-based capital ratio | 11.3521% | 5,385 |
| Total risk-based capital ratio | 12.1577% | 5,726 |
| Memoranda: | ||
| Average total assets | $357,191,600 | 1,873 |
| Average earning assets | $303,517,000 | 2,012 |
| Average equity | $44,315,000 | 1,520 |
| Average total loans | $239,461,800 | 1,973 |