Home > Texas Bank Financial > Performance and Condition Ratios
Texas Bank Financial, Performance and Condition Ratios
| 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 | 6.2567% | 65 |
| Cost of funding earning assets | 0.6603% | 400 |
| Net interest margin | 5.5963% | 77 |
| Noninterest income to average assets | 2.0677% | 301 |
| Noninterest expense to average assets | 3.8525% | 334 |
| Loan and lease loss provision to assets | 0.3775% | 183 |
| Net operating income to assets | 3.2616% | 85 |
| Return on assets (ROA) | 3.2616% | 88 |
| Pretax return on assets | 3.2616% | 115 |
| Return on Equity (ROE) | 30.2257% | 67 |
| Retained earnings to average equity (ytd only) | 30.2257% | 15 |
| Net charge-offs to loans | -0.0006% | 3,235 |
| Credit loss provision to net charge-offs | -80,000.0000% | 4,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4244% | 4,167 |
| Assets per employee ($millions) | 4.8378% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,449 |
| Loan loss allowance to noncurrent loans | 392.0113% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 1,949 |
| Noncurrent loans to loans | 0.3268% | 2,415 |
| Net loans and leases to total assets | 84.6369% | 93 |
| Net loans and leases to deposits | 96.2022% | 306 |
| Net loans and leases to core deposits | 119.6324% | 165 |
| Total domestic deposits to total assets | 87.9781% | 2,054 |
| Equity capital to assets | 10.4258% | 2,238 |
| Core capital (leverage) ratio | 11.4051% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7416% | 1,110 |
| Memoranda: | ||
| Average total assets | $635,822,800 | 1,389 |
| Average earning assets | $616,223,800 | 1,344 |
| Average equity | $68,610,600 | 1,374 |
| Average total loans | $543,837,200 | 1,094 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3772% | 64 |
| Cost of funding earning assets | 0.7705% | 280 |
| Net interest margin | 5.6067% | 82 |
| Noninterest income to average assets | 2.1881% | 298 |
| Noninterest expense to average assets | 3.9102% | 307 |
| Loan and lease loss provision to assets | 0.3968% | 162 |
| Net operating income to assets | 3.3085% | 95 |
| Return on assets (ROA) | 3.3085% | 98 |
| Pretax return on assets | 3.3085% | 134 |
| Return on Equity (ROE) | 30.3380% | 92 |
| Retained earnings to average equity (ytd only) | 30.3380% | 28 |
| Net charge-offs to loans | -0.0008% | 3,108 |
| Credit loss provision to net charge-offs | -60,000.0000% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3459% | 4,091 |
| Assets per employee ($millions) | 4.3360% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 2,188 |
| Loan loss allowance to noncurrent loans | 273.5689% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 1,474 |
| Noncurrent loans to loans | 0.4965% | 2,067 |
| Net loans and leases to total assets | 85.8684% | 69 |
| Net loans and leases to deposits | 98.9815% | 247 |
| Net loans and leases to core deposits | 128.6375% | 129 |
| Total domestic deposits to total assets | 86.7520% | 2,447 |
| Equity capital to assets | 11.2660% | 1,840 |
| Core capital (leverage) ratio | 11.6306% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9694% | 968 |
| Memoranda: | ||
| Average total assets | $604,893,250 | 1,456 |
| Average earning assets | $585,547,000 | 1,421 |
| Average equity | $65,966,250 | 1,426 |
| Average total loans | $516,998,000 | 1,153 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3287% | 67 |
| Cost of funding earning assets | 0.8305% | 253 |
| Net interest margin | 5.4982% | 99 |
| Noninterest income to average assets | 2.2071% | 291 |
| Noninterest expense to average assets | 3.9352% | 304 |
| Loan and lease loss provision to assets | 0.4080% | 151 |
| Net operating income to assets | 3.1825% | 106 |
| Return on assets (ROA) | 3.1825% | 108 |
| Pretax return on assets | 3.1825% | 152 |
| Return on Equity (ROE) | 29.5452% | 101 |
| Retained earnings to average equity (ytd only) | 29.5452% | 36 |
| Net charge-offs to loans | -0.0012% | 3,112 |
| Credit loss provision to net charge-offs | -40,000.0000% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2904% | 4,014 |
| Assets per employee ($millions) | 4.3391% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 2,078 |
| Loan loss allowance to noncurrent loans | 382.7438% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 2,199 |
| Noncurrent loans to loans | 0.3595% | 2,609 |
| Net loans and leases to total assets | 82.5116% | 199 |
| Net loans and leases to deposits | 94.7702% | 429 |
| Net loans and leases to core deposits | 126.7332% | 153 |
| Total domestic deposits to total assets | 87.0650% | 2,281 |
| Equity capital to assets | 10.9741% | 1,996 |
| Core capital (leverage) ratio | 11.2316% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7684% | 847 |
| Memoranda: | ||
| Average total assets | $588,278,000 | 1,482 |
| Average earning assets | $569,061,333 | 1,447 |
| Average equity | $63,367,333 | 1,457 |
| Average total loans | $499,345,333 | 1,189 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2293% | 78 |
| Cost of funding earning assets | 0.8797% | 248 |
| Net interest margin | 5.3497% | 127 |
| Noninterest income to average assets | 2.3238% | 295 |
| Noninterest expense to average assets | 3.9603% | 295 |
| Loan and lease loss provision to assets | 0.4195% | 178 |
| Net operating income to assets | 3.1137% | 141 |
| Return on assets (ROA) | 3.1137% | 154 |
| Pretax return on assets | 3.1137% | 212 |
| Return on Equity (ROE) | 29.2044% | 155 |
| Retained earnings to average equity (ytd only) | 29.2044% | 83 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8501% | 3,929 |
| Assets per employee ($millions) | 4.1852% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 2,295 |
| Loan loss allowance to noncurrent loans | 251.6936% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 1,867 |
| Noncurrent loans to loans | 0.5284% | 2,267 |
| Net loans and leases to total assets | 82.2107% | 218 |
| Net loans and leases to deposits | 94.0917% | 489 |
| Net loans and leases to core deposits | 128.0416% | 166 |
| Total domestic deposits to total assets | 87.3730% | 2,148 |
| Equity capital to assets | 10.7155% | 2,068 |
| Core capital (leverage) ratio | 10.9343% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8786% | 1,336 |
| Memoranda: | ||
| Average total assets | $572,174,000 | 1,507 |
| Average earning assets | $552,932,000 | 1,466 |
| Average equity | $61,004,500 | 1,499 |
| Average total loans | $489,460,500 | 1,206 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6980% | 51 |
| Cost of funding earning assets | 1.3188% | 168 |
| Net interest margin | 5.3792% | 75 |
| Noninterest income to average assets | 2.9964% | 194 |
| Noninterest expense to average assets | 4.3513% | 282 |
| Loan and lease loss provision to assets | 0.4282% | 681 |
| Net operating income to assets | 3.4050% | 72 |
| Return on assets (ROA) | 3.4050% | 74 |
| Pretax return on assets | 3.4050% | 89 |
| Return on Equity (ROE) | 33.7005% | 52 |
| Retained earnings to average equity (ytd only) | 33.7005% | 18 |
| Net charge-offs to loans | 0.0028% | 3,278 |
| Credit loss provision to net charge-offs | 17,508.3333% | 54 |
| Earnings coverage of net charge-offs (x) | 1,567.3333% | 72 |
| Efficiency ratio | 53.1650% | 4,295 |
| Assets per employee ($millions) | 3.9589% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,848 |
| Loan loss allowance to noncurrent loans | 147.4063% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7722% | 1,330 |
| Noncurrent loans to loans | 0.8269% | 1,695 |
| Net loans and leases to total assets | 86.8416% | 73 |
| Net loans and leases to deposits | 99.5238% | 393 |
| Net loans and leases to core deposits | 127.2677% | 223 |
| Total domestic deposits to total assets | 87.2571% | 1,817 |
| Equity capital to assets | 10.6048% | 2,588 |
| Core capital (leverage) ratio | 10.9473% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $490,662,600 | 1,580 |
| Average earning assets | $473,229,200 | 1,524 |
| Average equity | $49,575,000 | 1,705 |
| Average total loans | $421,093,600 | 1,296 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6584% | 58 |
| Cost of funding earning assets | 1.4294% | 153 |
| Net interest margin | 5.2290% | 100 |
| Noninterest income to average assets | 2.9299% | 192 |
| Noninterest expense to average assets | 4.3798% | 272 |
| Loan and lease loss provision to assets | 0.4215% | 799 |
| Net operating income to assets | 3.1706% | 78 |
| Return on assets (ROA) | 3.1706% | 82 |
| Pretax return on assets | 3.1706% | 110 |
| Return on Equity (ROE) | 31.8414% | 49 |
| Retained earnings to average equity (ytd only) | 31.8414% | 29 |
| Net charge-offs to loans | 0.0016% | 3,154 |
| Credit loss provision to net charge-offs | 30,020.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 2,558.2000% | 36 |
| Efficiency ratio | 54.9406% | 4,048 |
| Assets per employee ($millions) | 3.7127% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 2,683 |
| Loan loss allowance to noncurrent loans | 163.3863% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6977% | 1,672 |
| Noncurrent loans to loans | 0.7325% | 1,976 |
| Net loans and leases to total assets | 87.4082% | 93 |
| Net loans and leases to deposits | 101.0764% | 491 |
| Net loans and leases to core deposits | 125.4574% | 314 |
| Total domestic deposits to total assets | 86.4774% | 1,870 |
| Equity capital to assets | 10.5685% | 2,732 |
| Core capital (leverage) ratio | 10.6200% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2865% | 1,189 |
| Memoranda: | ||
| Average total assets | $474,768,500 | 1,605 |
| Average earning assets | $457,794,000 | 1,550 |
| Average equity | $47,274,750 | 1,768 |
| Average total loans | $404,554,750 | 1,331 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5962% | 81 |
| Cost of funding earning assets | 1.5408% | 146 |
| Net interest margin | 5.0554% | 182 |
| Noninterest income to average assets | 2.6158% | 210 |
| Noninterest expense to average assets | 4.1157% | 363 |
| Loan and lease loss provision to assets | 0.3873% | 1,060 |
| Net operating income to assets | 2.9872% | 85 |
| Return on assets (ROA) | 2.9872% | 92 |
| Pretax return on assets | 2.9872% | 118 |
| Return on Equity (ROE) | 30.6818% | 56 |
| Retained earnings to average equity (ytd only) | 30.6818% | 28 |
| Net charge-offs to loans | 0.0026% | 2,913 |
| Credit loss provision to net charge-offs | 18,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,568.2000% | 48 |
| Efficiency ratio | 54.9471% | 4,068 |
| Assets per employee ($millions) | 4.0053% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,892 |
| Loan loss allowance to noncurrent loans | 65.0850% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.4691% | 643 |
| Noncurrent loans to loans | 1.7319% | 830 |
| Net loans and leases to total assets | 82.4882% | 375 |
| Net loans and leases to deposits | 96.2131% | 778 |
| Net loans and leases to core deposits | 120.7065% | 407 |
| Total domestic deposits to total assets | 85.7349% | 2,113 |
| Equity capital to assets | 9.7134% | 3,458 |
| Core capital (leverage) ratio | 10.1914% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0476% | 1,048 |
| Memoranda: | ||
| Average total assets | $464,713,667 | 1,610 |
| Average earning assets | $448,074,667 | 1,548 |
| Average equity | $45,245,000 | 1,819 |
| Average total loans | $390,506,667 | 1,354 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5102% | 86 |
| Cost of funding earning assets | 1.7531% | 103 |
| Net interest margin | 4.7571% | 296 |
| Noninterest income to average assets | 1.9706% | 278 |
| Noninterest expense to average assets | 3.8971% | 558 |
| Loan and lease loss provision to assets | 0.2698% | 1,160 |
| Net operating income to assets | 2.3870% | 132 |
| Return on assets (ROA) | 2.3870% | 146 |
| Pretax return on assets | 2.3870% | 205 |
| Return on Equity (ROE) | 24.4848% | 74 |
| Retained earnings to average equity (ytd only) | 24.4848% | 36 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4621% | 3,811 |
| Assets per employee ($millions) | 3.7000% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,244 |
| Loan loss allowance to noncurrent loans | 159.8998% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 2,215 |
| Noncurrent loans to loans | 0.6836% | 2,286 |
| Net loans and leases to total assets | 83.9008% | 270 |
| Net loans and leases to deposits | 94.0973% | 1,068 |
| Net loans and leases to core deposits | 110.3234% | 839 |
| Total domestic deposits to total assets | 89.1639% | 595 |
| Equity capital to assets | 9.9820% | 3,806 |
| Core capital (leverage) ratio | 10.4383% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1003% | 1,133 |
| Memoranda: | ||
| Average total assets | $444,737,500 | 1,631 |
| Average earning assets | $428,497,500 | 1,563 |
| Average equity | $43,357,500 | 1,869 |
| Average total loans | $375,242,000 | 1,367 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7678% | 80 |
| Cost of funding earning assets | 1.9618% | 73 |
| Net interest margin | 4.8060% | 393 |
| Noninterest income to average assets | 2.0502% | 248 |
| Noninterest expense to average assets | 4.0251% | 519 |
| Loan and lease loss provision to assets | 0.3021% | 556 |
| Net operating income to assets | 2.3427% | 170 |
| Return on assets (ROA) | 2.3427% | 183 |
| Pretax return on assets | 2.3427% | 277 |
| Return on Equity (ROE) | 25.0304% | 76 |
| Retained earnings to average equity (ytd only) | 25.0304% | 20 |
| Net charge-offs to loans | 0.0045% | 3,519 |
| Credit loss provision to net charge-offs | 8,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 700.4000% | 148 |
| Efficiency ratio | 60.3472% | 3,640 |
| Assets per employee ($millions) | 3.8084% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,279 |
| Loan loss allowance to noncurrent loans | 167.1441% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 2,143 |
| Noncurrent loans to loans | 0.6215% | 2,336 |
| Net loans and leases to total assets | 83.0418% | 425 |
| Net loans and leases to deposits | 95.7024% | 972 |
| Net loans and leases to core deposits | 114.2282% | 664 |
| Total domestic deposits to total assets | 86.7709% | 1,717 |
| Equity capital to assets | 9.5129% | 4,341 |
| Core capital (leverage) ratio | 9.9826% | 3,540 |
| Tier 1 risk-based capital ratio | 15.6730% | 2,515 |
| Total risk-based capital ratio | 16.9251% | 2,451 |
| Memoranda: | ||
| Average total assets | $397,234,600 | 1,750 |
| Average earning assets | $381,835,200 | 1,699 |
| Average equity | $37,178,800 | 2,049 |
| Average total loans | $335,483,200 | 1,476 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8417% | 81 |
| Cost of funding earning assets | 2.0234% | 61 |
| Net interest margin | 4.8184% | 404 |
| Noninterest income to average assets | 2.1199% | 242 |
| Noninterest expense to average assets | 4.0569% | 497 |
| Loan and lease loss provision to assets | 0.3108% | 467 |
| Net operating income to assets | 2.3820% | 197 |
| Return on assets (ROA) | 2.3820% | 206 |
| Pretax return on assets | 2.3820% | 318 |
| Return on Equity (ROE) | 25.5708% | 76 |
| Retained earnings to average equity (ytd only) | 25.5708% | 23 |
| Net charge-offs to loans | 0.0061% | 3,166 |
| Credit loss provision to net charge-offs | 6,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 519.8535% | 188 |
| Efficiency ratio | 60.1044% | 3,629 |
| Assets per employee ($millions) | 3.7903% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 3,623 |
| Loan loss allowance to noncurrent loans | 110.8648% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 1,591 |
| Noncurrent loans to loans | 0.8932% | 1,790 |
| Net loans and leases to total assets | 84.3884% | 309 |
| Net loans and leases to deposits | 93.5252% | 1,267 |
| Net loans and leases to core deposits | 106.6423% | 1,138 |
| Total domestic deposits to total assets | 90.2307% | 232 |
| Equity capital to assets | 9.4164% | 4,517 |
| Core capital (leverage) ratio | 9.8434% | 3,794 |
| Tier 1 risk-based capital ratio | 15.5315% | 2,630 |
| Total risk-based capital ratio | 16.7829% | 2,570 |
| Memoranda: | ||
| Average total assets | $386,101,000 | 1,793 |
| Average earning assets | $370,988,000 | 1,756 |
| Average equity | $35,967,250 | 2,104 |
| Average total loans | $326,678,000 | 1,523 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7591% | 87 |
| Cost of funding earning assets | 2.0412% | 48 |
| Net interest margin | 4.7179% | 475 |
| Noninterest income to average assets | 2.1123% | 244 |
| Noninterest expense to average assets | 4.0971% | 473 |
| Loan and lease loss provision to assets | 0.3204% | 416 |
| Net operating income to assets | 2.2255% | 250 |
| Return on assets (ROA) | 2.2255% | 260 |
| Pretax return on assets | 2.2255% | 422 |
| Return on Equity (ROE) | 23.9880% | 120 |
| Retained earnings to average equity (ytd only) | 23.9880% | 32 |
| Net charge-offs to loans | 0.0076% | 2,875 |
| Credit loss provision to net charge-offs | 5,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 397.3333% | 199 |
| Efficiency ratio | 61.6751% | 3,483 |
| Assets per employee ($millions) | 3.7066% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 3,831 |
| Loan loss allowance to noncurrent loans | 152.4836% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 2,243 |
| Noncurrent loans to loans | 0.6299% | 2,368 |
| Net loans and leases to total assets | 83.8182% | 371 |
| Net loans and leases to deposits | 92.6941% | 1,412 |
| Net loans and leases to core deposits | 106.5508% | 1,212 |
| Total domestic deposits to total assets | 90.4245% | 208 |
| Equity capital to assets | 9.2165% | 4,636 |
| Core capital (leverage) ratio | 9.3873% | 4,264 |
| Tier 1 risk-based capital ratio | 15.3192% | 2,701 |
| Total risk-based capital ratio | 16.5701% | 2,632 |
| Memoranda: | ||
| Average total assets | $374,559,670 | 1,850 |
| Average earning assets | $359,692,000 | 1,803 |
| Average equity | $34,750,670 | 2,150 |
| Average total loans | $316,039,330 | 1,560 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8591% | 78 |
| Cost of funding earning assets | 1.9637% | 60 |
| Net interest margin | 4.8954% | 339 |
| Noninterest income to average assets | 1.9343% | 257 |
| Noninterest expense to average assets | 4.0787% | 477 |
| Loan and lease loss provision to assets | 0.3318% | 371 |
| Net operating income to assets | 2.2163% | 266 |
| Return on assets (ROA) | 2.2163% | 276 |
| Pretax return on assets | 2.2163% | 431 |
| Return on Equity (ROE) | 23.8015% | 122 |
| Retained earnings to average equity (ytd only) | 23.8015% | 55 |
| Net charge-offs to loans | 0.0158% | 2,163 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 406 |
| Efficiency ratio | 61.5487% | 3,599 |
| Assets per employee ($millions) | 3.5708% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 4,006 |
| Loan loss allowance to noncurrent loans | 150.2543% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 2,383 |
| Noncurrent loans to loans | 0.6246% | 2,451 |
| Net loans and leases to total assets | 83.1644% | 449 |
| Net loans and leases to deposits | 91.9586% | 1,407 |
| Net loans and leases to core deposits | 101.7746% | 1,484 |
| Total domestic deposits to total assets | 90.4368% | 308 |
| Equity capital to assets | 9.2527% | 4,480 |
| Core capital (leverage) ratio | 9.7137% | 3,903 |
| Tier 1 risk-based capital ratio | 15.2559% | 2,770 |
| Total risk-based capital ratio | 16.5063% | 2,681 |
| Memoranda: | ||
| Average total assets | $361,683,000 | 1,910 |
| Average earning assets | $346,693,500 | 1,865 |
| Average equity | $33,678,500 | 2,205 |
| Average total loans | $304,664,500 | 1,612 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2841% | 119 |
| Cost of funding earning assets | 1.4610% | 106 |
| Net interest margin | 4.8230% | 378 |
| Noninterest income to average assets | 2.6093% | 186 |
| Noninterest expense to average assets | 4.5788% | 281 |
| Loan and lease loss provision to assets | 0.2297% | 777 |
| Net operating income to assets | 2.3891% | 174 |
| Return on assets (ROA) | 2.3891% | 172 |
| Pretax return on assets | 2.3891% | 248 |
| Return on Equity (ROE) | 24.5183% | 99 |
| Retained earnings to average equity (ytd only) | 24.5183% | 22 |
| Net charge-offs to loans | 0.0053% | 3,522 |
| Credit loss provision to net charge-offs | 5,230.7692% | 92 |
| Earnings coverage of net charge-offs (x) | 596.3846% | 180 |
| Efficiency ratio | 63.6163% | 3,247 |
| Assets per employee ($millions) | 3.6295% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 4,136 |
| Loan loss allowance to noncurrent loans | 183.2875% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 2,781 |
| Noncurrent loans to loans | 0.4936% | 2,793 |
| Net loans and leases to total assets | 83.7748% | 435 |
| Net loans and leases to deposits | 92.7708% | 1,428 |
| Net loans and leases to core deposits | 107.8241% | 1,128 |
| Total domestic deposits to total assets | 90.3030% | 380 |
| Equity capital to assets | 9.3750% | 4,241 |
| Core capital (leverage) ratio | 9.8202% | 3,773 |
| Tier 1 risk-based capital ratio | 17.0738% | 2,041 |
| Total risk-based capital ratio | 18.3252% | 1,984 |
| Memoranda: | ||
| Average total assets | $296,057,800 | 2,181 |
| Average earning assets | $281,649,200 | 2,122 |
| Average equity | $28,847,800 | 2,405 |
| Average total loans | $246,771,800 | 1,839 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1071% | 135 |
| Cost of funding earning assets | 1.3405% | 144 |
| Net interest margin | 4.7666% | 399 |
| Noninterest income to average assets | 2.7197% | 182 |
| Noninterest expense to average assets | 4.7213% | 247 |
| Loan and lease loss provision to assets | 0.1791% | 1,014 |
| Net operating income to assets | 2.3465% | 206 |
| Return on assets (ROA) | 2.3465% | 204 |
| Pretax return on assets | 2.3465% | 312 |
| Return on Equity (ROE) | 23.8042% | 106 |
| Retained earnings to average equity (ytd only) | 23.8042% | 26 |
| Net charge-offs to loans | 0.0011% | 3,458 |
| Credit loss provision to net charge-offs | 19,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 2,676.5880% | 23 |
| Efficiency ratio | 65.1495% | 3,011 |
| Assets per employee ($millions) | 3.2491% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,386 |
| Loan loss allowance to noncurrent loans | 196.6887% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 3,189 |
| Noncurrent loans to loans | 0.4400% | 3,079 |
| Net loans and leases to total assets | 83.7647% | 481 |
| Net loans and leases to deposits | 93.4246% | 1,444 |
| Net loans and leases to core deposits | 107.8618% | 1,177 |
| Total domestic deposits to total assets | 89.6602% | 615 |
| Equity capital to assets | 9.3962% | 4,184 |
| Core capital (leverage) ratio | 9.8431% | 3,802 |
| Tier 1 risk-based capital ratio | 17.2503% | 2,004 |
| Total risk-based capital ratio | 18.5013% | 1,958 |
| Memoranda: | ||
| Average total assets | $282,965,250 | 2,260 |
| Average earning assets | $268,751,750 | 2,218 |
| Average equity | $27,893,500 | 2,467 |
| Average total loans | $234,824,750 | 1,920 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0868% | 128 |
| Cost of funding earning assets | 1.1446% | 234 |
| Net interest margin | 4.9422% | 272 |
| Noninterest income to average assets | 2.5645% | 204 |
| Noninterest expense to average assets | 4.8218% | 235 |
| Loan and lease loss provision to assets | 0.1338% | 1,474 |
| Net operating income to assets | 2.2960% | 209 |
| Return on assets (ROA) | 2.2960% | 203 |
| Pretax return on assets | 2.2960% | 333 |
| Return on Equity (ROE) | 22.8614% | 131 |
| Retained earnings to average equity (ytd only) | 22.8614% | 38 |
| Net charge-offs to loans | 0.0018% | 3,146 |
| Credit loss provision to net charge-offs | 9,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 1,634.0000% | 45 |
| Efficiency ratio | 66.4924% | 2,893 |
| Assets per employee ($millions) | 3.0457% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,503 |
| Loan loss allowance to noncurrent loans | 205.0895% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 3,363 |
| Noncurrent loans to loans | 0.4205% | 3,193 |
| Net loans and leases to total assets | 82.1404% | 696 |
| Net loans and leases to deposits | 94.3088% | 1,325 |
| Net loans and leases to core deposits | 109.5684% | 1,030 |
| Total domestic deposits to total assets | 87.0973% | 1,803 |
| Equity capital to assets | 9.4095% | 4,183 |
| Core capital (leverage) ratio | 10.7805% | 2,722 |
| Tier 1 risk-based capital ratio | 17.7289% | 1,880 |
| Total risk-based capital ratio | 18.9796% | 1,834 |
| Memoranda: | ||
| Average total assets | $268,984,000 | 2,357 |
| Average earning assets | $255,109,670 | 2,318 |
| Average equity | $27,015,000 | 2,531 |
| Average total loans | $221,588,000 | 2,018 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9807% | 137 |
| Cost of funding earning assets | 1.0779% | 250 |
| Net interest margin | 4.9028% | 277 |
| Noninterest income to average assets | 2.3727% | 211 |
| Noninterest expense to average assets | 4.9332% | 228 |
| Loan and lease loss provision to assets | 0.1322% | 1,435 |
| Net operating income to assets | 1.9427% | 418 |
| Return on assets (ROA) | 1.9427% | 418 |
| Pretax return on assets | 1.9427% | 655 |
| Return on Equity (ROE) | 18.6306% | 348 |
| Retained earnings to average equity (ytd only) | 18.6306% | 130 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3931% | 2,427 |
| Assets per employee ($millions) | 2.5935% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,145 |
| Loan loss allowance to noncurrent loans | 241.8118% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 3,508 |
| Noncurrent loans to loans | 0.3987% | 3,354 |
| Net loans and leases to total assets | 82.4728% | 603 |
| Net loans and leases to deposits | 94.1799% | 1,211 |
| Net loans and leases to core deposits | 108.2867% | 1,104 |
| Total domestic deposits to total assets | 87.5695% | 1,864 |
| Equity capital to assets | 10.3291% | 3,244 |
| Core capital (leverage) ratio | 11.2733% | 2,188 |
| Tier 1 risk-based capital ratio | 19.2138% | 1,502 |
| Total risk-based capital ratio | 20.4662% | 1,460 |
| Memoranda: | ||
| Average total assets | $251,193,500 | 2,503 |
| Average earning assets | $237,496,000 | 2,473 |
| Average equity | $26,193,500 | 2,598 |
| Average total loans | $206,208,500 | 2,147 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9304% | 147 |
| Cost of funding earning assets | 0.8982% | 373 |
| Net interest margin | 5.0322% | 224 |
| Noninterest income to average assets | 3.4774% | 149 |
| Noninterest expense to average assets | 5.8197% | 154 |
| Loan and lease loss provision to assets | 0.1217% | 1,877 |
| Net operating income to assets | 2.2830% | 165 |
| Return on assets (ROA) | 2.2830% | 166 |
| Pretax return on assets | 2.2830% | 274 |
| Return on Equity (ROE) | 22.4366% | 115 |
| Retained earnings to average equity (ytd only) | 22.4366% | 29 |
| Net charge-offs to loans | 0.0190% | 3,469 |
| Credit loss provision to net charge-offs | 785.7143% | 429 |
| Earnings coverage of net charge-offs (x) | 155.2000% | 469 |
| Efficiency ratio | 70.7611% | 2,434 |
| Assets per employee ($millions) | 2.5855% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,831 |
| Loan loss allowance to noncurrent loans | 271.8367% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 3,147 |
| Noncurrent loans to loans | 0.3742% | 3,418 |
| Net loans and leases to total assets | 80.0058% | 956 |
| Net loans and leases to deposits | 93.4648% | 1,333 |
| Net loans and leases to core deposits | 108.1120% | 1,124 |
| Total domestic deposits to total assets | 85.6000% | 2,615 |
| Equity capital to assets | 10.5328% | 3,133 |
| Core capital (leverage) ratio | 10.8726% | 2,452 |
| Tier 1 risk-based capital ratio | 20.3053% | 1,262 |
| Total risk-based capital ratio | 21.5588% | 1,230 |
| Memoranda: | ||
| Average total assets | $225,887,800 | 2,675 |
| Average earning assets | $213,088,000 | 2,632 |
| Average equity | $22,984,800 | 2,865 |
| Average total loans | $183,945,800 | 2,285 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8997% | 147 |
| Cost of funding earning assets | 0.8744% | 403 |
| Net interest margin | 5.0252% | 219 |
| Noninterest income to average assets | 3.6937% | 149 |
| Noninterest expense to average assets | 5.9644% | 154 |
| Loan and lease loss provision to assets | 0.1203% | 1,804 |
| Net operating income to assets | 2.3495% | 169 |
| Return on assets (ROA) | 2.3495% | 170 |
| Pretax return on assets | 2.3495% | 275 |
| Return on Equity (ROE) | 23.3150% | 99 |
| Retained earnings to average equity (ytd only) | 23.3150% | 33 |
| Net charge-offs to loans | 0.0155% | 3,212 |
| Credit loss provision to net charge-offs | 952.3810% | 369 |
| Earnings coverage of net charge-offs (x) | 195.4714% | 443 |
| Efficiency ratio | 70.7162% | 2,417 |
| Assets per employee ($millions) | 2.1937% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,939 |
| Loan loss allowance to noncurrent loans | 185.8925% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 2,835 |
| Noncurrent loans to loans | 0.5499% | 3,051 |
| Net loans and leases to total assets | 80.6569% | 892 |
| Net loans and leases to deposits | 91.8248% | 1,592 |
| Net loans and leases to core deposits | 104.4160% | 1,357 |
| Total domestic deposits to total assets | 87.8378% | 1,450 |
| Equity capital to assets | 10.4846% | 3,395 |
| Core capital (leverage) ratio | 10.2215% | 3,290 |
| Tier 1 risk-based capital ratio | 20.4724% | 1,284 |
| Total risk-based capital ratio | 21.7264% | 1,253 |
| Memoranda: | ||
| Average total assets | $221,599,500 | 2,737 |
| Average earning assets | $209,045,750 | 2,691 |
| Average equity | $22,331,250 | 2,939 |
| Average total loans | $180,821,000 | 2,326 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6589% | 195 |
| Cost of funding earning assets | 0.8262% | 460 |
| Net interest margin | 4.8327% | 299 |
| Noninterest income to average assets | 3.6191% | 160 |
| Noninterest expense to average assets | 5.8186% | 164 |
| Loan and lease loss provision to assets | 0.1147% | 1,793 |
| Net operating income to assets | 2.2427% | 197 |
| Return on assets (ROA) | 2.2427% | 196 |
| Pretax return on assets | 2.2427% | 328 |
| Return on Equity (ROE) | 22.5791% | 118 |
| Retained earnings to average equity (ytd only) | 22.5791% | 41 |
| Net charge-offs to loans | 0.0236% | 2,751 |
| Credit loss provision to net charge-offs | 595.2381% | 579 |
| Earnings coverage of net charge-offs (x) | 122.3333% | 567 |
| Efficiency ratio | 71.1672% | 2,485 |
| Assets per employee ($millions) | 2.4083% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,984 |
| Loan loss allowance to noncurrent loans | 276.2611% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 3,274 |
| Noncurrent loans to loans | 0.3714% | 3,694 |
| Net loans and leases to total assets | 77.6964% | 1,289 |
| Net loans and leases to deposits | 87.9528% | 1,990 |
| Net loans and leases to core deposits | 99.8971% | 1,655 |
| Total domestic deposits to total assets | 88.3387% | 1,282 |
| Equity capital to assets | 9.9131% | 4,010 |
| Core capital (leverage) ratio | 10.4612% | 2,960 |
| Tier 1 risk-based capital ratio | 20.8880% | 1,208 |
| Total risk-based capital ratio | 22.1433% | 1,177 |
| Memoranda: | ||
| Average total assets | $217,955,330 | 2,787 |
| Average earning assets | $205,518,000 | 2,750 |
| Average equity | $21,648,330 | 3,016 |
| Average total loans | $177,931,330 | 2,358 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8303% | 151 |
| Cost of funding earning assets | 0.8022% | 480 |
| Net interest margin | 5.0282% | 217 |
| Noninterest income to average assets | 3.5584% | 168 |
| Noninterest expense to average assets | 5.9887% | 163 |
| Loan and lease loss provision to assets | 0.0946% | 1,962 |
| Net operating income to assets | 2.2088% | 225 |
| Return on assets (ROA) | 2.2088% | 229 |
| Pretax return on assets | 2.2088% | 353 |
| Return on Equity (ROE) | 22.2148% | 145 |
| Retained earnings to average equity (ytd only) | 22.2148% | 74 |
| Net charge-offs to loans | 0.0114% | 2,596 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 243.4000% | 240 |
| Efficiency ratio | 72.2210% | 2,532 |
| Assets per employee ($millions) | 2.3189% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 4,218 |
| Loan loss allowance to noncurrent loans | 243.6486% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 2,656 |
| Noncurrent loans to loans | 0.4146% | 3,602 |
| Net loans and leases to total assets | 81.9322% | 574 |
| Net loans and leases to deposits | 94.5616% | 1,059 |
| Net loans and leases to core deposits | 107.3259% | 1,013 |
| Total domestic deposits to total assets | 86.6443% | 2,374 |
| Equity capital to assets | 10.0172% | 3,734 |
| Core capital (leverage) ratio | 10.5347% | 2,862 |
| Tier 1 risk-based capital ratio | 20.2382% | 1,341 |
| Total risk-based capital ratio | 21.4934% | 1,310 |
| Memoranda: | ||
| Average total assets | $211,333,000 | 2,879 |
| Average earning assets | $198,959,000 | 2,837 |
| Average equity | $21,013,000 | 3,083 |
| Average total loans | $176,149,000 | 2,396 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0151% | 124 |
| Cost of funding earning assets | 0.7967% | 514 |
| Net interest margin | 5.2183% | 164 |
| Noninterest income to average assets | 4.8034% | 124 |
| Noninterest expense to average assets | 6.9429% | 134 |
| Loan and lease loss provision to assets | 0.1440% | 1,740 |
| Net operating income to assets | 2.6572% | 114 |
| Return on assets (ROA) | 2.6572% | 116 |
| Pretax return on assets | 2.6572% | 160 |
| Return on Equity (ROE) | 28.2597% | 54 |
| Retained earnings to average equity (ytd only) | 28.2597% | 21 |
| Net charge-offs to loans | 0.0740% | 2,641 |
| Credit loss provision to net charge-offs | 231.0924% | 1,247 |
| Earnings coverage of net charge-offs (x) | 44.9664% | 1,082 |
| Efficiency ratio | 71.2528% | 2,703 |
| Assets per employee ($millions) | 2.2022% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 4,245 |
| Loan loss allowance to noncurrent loans | 130.6092% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 2,277 |
| Noncurrent loans to loans | 0.7745% | 2,587 |
| Net loans and leases to total assets | 83.1097% | 469 |
| Net loans and leases to deposits | 96.9513% | 912 |
| Net loans and leases to core deposits | 110.9347% | 837 |
| Total domestic deposits to total assets | 85.7231% | 2,715 |
| Equity capital to assets | 9.8659% | 3,863 |
| Core capital (leverage) ratio | 10.1513% | 3,303 |
| Tier 1 risk-based capital ratio | 19.0380% | 1,590 |
| Total risk-based capital ratio | 20.2925% | 1,552 |
| Memoranda: | ||
| Average total assets | $191,030,000 | 3,050 |
| Average earning assets | $180,861,800 | 3,004 |
| Average equity | $17,962,000 | 3,413 |
| Average total loans | $160,892,200 | 2,511 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0508% | 114 |
| Cost of funding earning assets | 0.7938% | 519 |
| Net interest margin | 5.2570% | 155 |
| Noninterest income to average assets | 5.0848% | 122 |
| Noninterest expense to average assets | 7.0245% | 133 |
| Loan and lease loss provision to assets | 0.1426% | 1,640 |
| Net operating income to assets | 2.9028% | 96 |
| Return on assets (ROA) | 2.9028% | 102 |
| Pretax return on assets | 2.9028% | 134 |
| Return on Equity (ROE) | 31.2981% | 31 |
| Retained earnings to average equity (ytd only) | 31.2981% | 10 |
| Net charge-offs to loans | 0.0896% | 2,070 |
| Credit loss provision to net charge-offs | 188.6792% | 1,491 |
| Earnings coverage of net charge-offs (x) | 40.3018% | 1,238 |
| Efficiency ratio | 69.7579% | 2,924 |
| Assets per employee ($millions) | 1.5924% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 4,289 |
| Loan loss allowance to noncurrent loans | 228.2638% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 3,541 |
| Noncurrent loans to loans | 0.4474% | 3,676 |
| Net loans and leases to total assets | 81.9300% | 631 |
| Net loans and leases to deposits | 92.9680% | 1,373 |
| Net loans and leases to core deposits | 105.7893% | 1,204 |
| Total domestic deposits to total assets | 88.1271% | 1,342 |
| Equity capital to assets | 9.7328% | 4,436 |
| Core capital (leverage) ratio | 9.8083% | 3,800 |
| Tier 1 risk-based capital ratio | 18.6814% | 1,743 |
| Total risk-based capital ratio | 19.9356% | 1,711 |
| Memoranda: | ||
| Average total assets | $187,036,000 | 3,102 |
| Average earning assets | $177,360,000 | 3,048 |
| Average equity | $17,346,750 | 3,533 |
| Average total loans | $157,665,250 | 2,556 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0267% | 123 |
| Cost of funding earning assets | 0.7696% | 571 |
| Net interest margin | 5.2571% | 157 |
| Noninterest income to average assets | 4.7989% | 128 |
| Noninterest expense to average assets | 6.9216% | 140 |
| Loan and lease loss provision to assets | 0.1370% | 1,656 |
| Net operating income to assets | 2.7331% | 107 |
| Return on assets (ROA) | 2.7331% | 106 |
| Pretax return on assets | 2.7331% | 154 |
| Return on Equity (ROE) | 30.0126% | 44 |
| Retained earnings to average equity (ytd only) | 30.0126% | 21 |
| Net charge-offs to loans | 0.1408% | 1,480 |
| Credit loss provision to net charge-offs | 114.6789% | 1,918 |
| Earnings coverage of net charge-offs (x) | 24.0275% | 1,566 |
| Efficiency ratio | 70.6883% | 2,877 |
| Assets per employee ($millions) | 2.0330% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 4,463 |
| Loan loss allowance to noncurrent loans | 150.9328% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 3,146 |
| Noncurrent loans to loans | 0.6690% | 3,064 |
| Net loans and leases to total assets | 81.2775% | 713 |
| Net loans and leases to deposits | 97.4631% | 934 |
| Net loans and leases to core deposits | 111.8826% | 817 |
| Total domestic deposits to total assets | 83.3931% | 3,504 |
| Equity capital to assets | 9.1988% | 5,068 |
| Core capital (leverage) ratio | 9.5294% | 4,166 |
| Tier 1 risk-based capital ratio | 18.7771% | 1,745 |
| Total risk-based capital ratio | 20.0325% | 1,702 |
| Memoranda: | ||
| Average total assets | $182,500,670 | 3,163 |
| Average earning assets | $173,327,670 | 3,107 |
| Average equity | $16,619,670 | 3,640 |
| Average total loans | $154,859,670 | 2,592 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2315% | 97 |
| Cost of funding earning assets | 0.7664% | 587 |
| Net interest margin | 5.4651% | 126 |
| Noninterest income to average assets | 4.1324% | 147 |
| Noninterest expense to average assets | 6.7708% | 147 |
| Loan and lease loss provision to assets | 0.1135% | 1,844 |
| Net operating income to assets | 2.4613% | 167 |
| Return on assets (ROA) | 2.4613% | 173 |
| Pretax return on assets | 2.4613% | 256 |
| Return on Equity (ROE) | 27.1798% | 71 |
| Retained earnings to average equity (ytd only) | 27.1798% | 35 |
| Net charge-offs to loans | 0.3102% | 700 |
| Credit loss provision to net charge-offs | 42.3729% | 2,128 |
| Earnings coverage of net charge-offs (x) | 9.6102% | 1,978 |
| Efficiency ratio | 72.4490% | 2,730 |
| Assets per employee ($millions) | 2.0614% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 4,616 |
| Loan loss allowance to noncurrent loans | 216.0563% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 3,884 |
| Noncurrent loans to loans | 0.4624% | 3,789 |
| Net loans and leases to total assets | 83.8016% | 389 |
| Net loans and leases to deposits | 95.6503% | 973 |
| Net loans and leases to core deposits | 109.8667% | 860 |
| Total domestic deposits to total assets | 87.6125% | 1,858 |
| Equity capital to assets | 9.1052% | 5,080 |
| Core capital (leverage) ratio | 9.3994% | 4,349 |
| Tier 1 risk-based capital ratio | 17.1486% | 2,233 |
| Total risk-based capital ratio | 18.4024% | 2,198 |
| Memoranda: | ||
| Average total assets | $176,168,000 | 3,245 |
| Average earning assets | $168,049,500 | 3,175 |
| Average equity | $15,953,000 | 3,742 |
| Average total loans | $152,167,500 | 2,616 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1543% | 115 |
| Cost of funding earning assets | 0.6079% | 1,324 |
| Net interest margin | 5.5465% | 115 |
| Noninterest income to average assets | 4.6967% | 133 |
| Noninterest expense to average assets | 7.2046% | 135 |
| Loan and lease loss provision to assets | 0.0520% | 3,275 |
| Net operating income to assets | 2.7826% | 104 |
| Return on assets (ROA) | 2.7826% | 104 |
| Pretax return on assets | 2.7826% | 139 |
| Return on Equity (ROE) | 30.3285% | 56 |
| Retained earnings to average equity (ytd only) | 30.3285% | 26 |
| Net charge-offs to loans | 0.1132% | 2,246 |
| Credit loss provision to net charge-offs | 53.5714% | 3,356 |
| Earnings coverage of net charge-offs (x) | 29.1857% | 1,481 |
| Efficiency ratio | 71.7642% | 2,943 |
| Assets per employee ($millions) | 2.0349% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 4,250 |
| Loan loss allowance to noncurrent loans | 246.0829% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 4,069 |
| Noncurrent loans to loans | 0.4317% | 3,915 |
| Net loans and leases to total assets | 87.2741% | 156 |
| Net loans and leases to deposits | 96.4144% | 970 |
| Net loans and leases to core deposits | 108.9803% | 919 |
| Total domestic deposits to total assets | 90.5198% | 429 |
| Equity capital to assets | 9.0028% | 5,116 |
| Core capital (leverage) ratio | 9.5140% | 4,152 |
| Tier 1 risk-based capital ratio | 17.6302% | 2,082 |
| Total risk-based capital ratio | 18.8863% | 2,029 |
| Memoranda: | ||
| Average total assets | $144,143,600 | 3,661 |
| Average earning assets | $138,845,000 | 3,552 |
| Average equity | $13,225,200 | 4,092 |
| Average total loans | $123,639,400 | 2,996 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2617% | 98 |
| Cost of funding earning assets | 0.5587% | 1,728 |
| Net interest margin | 5.7030% | 91 |
| Noninterest income to average assets | 4.8251% | 133 |
| Noninterest expense to average assets | 7.5684% | 129 |
| Loan and lease loss provision to assets | 0.0485% | 3,237 |
| Net operating income to assets | 2.6938% | 124 |
| Return on assets (ROA) | 2.6938% | 125 |
| Pretax return on assets | 2.6938% | 172 |
| Return on Equity (ROE) | 29.1903% | 61 |
| Retained earnings to average equity (ytd only) | 29.1903% | 29 |
| Net charge-offs to loans | 0.2168% | 1,207 |
| Credit loss provision to net charge-offs | 26.3158% | 3,312 |
| Earnings coverage of net charge-offs (x) | 14.8788% | 2,221 |
| Efficiency ratio | 73.4030% | 2,655 |
| Assets per employee ($millions) | 1.9539% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,954 |
| Loan loss allowance to noncurrent loans | 130.8483% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8189% | 2,831 |
| Noncurrent loans to loans | 0.8757% | 2,791 |
| Net loans and leases to total assets | 81.2334% | 674 |
| Net loans and leases to deposits | 89.4615% | 1,714 |
| Net loans and leases to core deposits | 102.0995% | 1,378 |
| Total domestic deposits to total assets | 90.8026% | 303 |
| Equity capital to assets | 8.7387% | 5,549 |
| Core capital (leverage) ratio | 9.4479% | 4,372 |
| Tier 1 risk-based capital ratio | 17.9323% | 2,043 |
| Total risk-based capital ratio | 19.1896% | 2,008 |
| Memoranda: | ||
| Average total assets | $137,445,750 | 3,795 |
| Average earning assets | $132,208,000 | 3,691 |
| Average equity | $12,684,250 | 4,244 |
| Average total loans | $116,853,250 | 3,122 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4641% | 80 |
| Cost of funding earning assets | 0.5176% | 2,089 |
| Net interest margin | 5.9466% | 75 |
| Noninterest income to average assets | 4.7786% | 136 |
| Noninterest expense to average assets | 7.7475% | 120 |
| Loan and lease loss provision to assets | 0.0774% | 2,578 |
| Net operating income to assets | 2.6625% | 137 |
| Return on assets (ROA) | 2.6625% | 143 |
| Pretax return on assets | 2.6625% | 199 |
| Return on Equity (ROE) | 28.2237% | 81 |
| Retained earnings to average equity (ytd only) | 28.2237% | 35 |
| Net charge-offs to loans | 0.3537% | 744 |
| Credit loss provision to net charge-offs | 25.3807% | 2,972 |
| Earnings coverage of net charge-offs (x) | 8.9848% | 2,500 |
| Efficiency ratio | 73.8745% | 2,693 |
| Assets per employee ($millions) | 1.7471% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 3,395 |
| Loan loss allowance to noncurrent loans | 220.2899% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 3,085 |
| Noncurrent loans to loans | 0.5767% | 3,725 |
| Net loans and leases to total assets | 86.6796% | 202 |
| Net loans and leases to deposits | 100.3338% | 633 |
| Net loans and leases to core deposits | 107.7197% | 974 |
| Total domestic deposits to total assets | 86.3912% | 2,490 |
| Equity capital to assets | 9.6300% | 4,491 |
| Core capital (leverage) ratio | 9.8413% | 3,814 |
| Tier 1 risk-based capital ratio | 18.6266% | 1,889 |
| Total risk-based capital ratio | 19.8874% | 1,851 |
| Memoranda: | ||
| Average total assets | $129,202,330 | 3,973 |
| Average earning assets | $124,038,000 | 3,881 |
| Average equity | $12,188,330 | 4,348 |
| Average total loans | $111,381,670 | 3,226 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1164% | 118 |
| Cost of funding earning assets | 0.5138% | 2,166 |
| Net interest margin | 5.6026% | 107 |
| Noninterest income to average assets | 4.0965% | 156 |
| Noninterest expense to average assets | 7.3368% | 138 |
| Loan and lease loss provision to assets | 0.0796% | 2,366 |
| Net operating income to assets | 2.0594% | 306 |
| Return on assets (ROA) | 2.0594% | 323 |
| Pretax return on assets | 2.0594% | 532 |
| Return on Equity (ROE) | 22.0800% | 182 |
| Retained earnings to average equity (ytd only) | 22.0800% | 69 |
| Net charge-offs to loans | 0.1977% | 1,146 |
| Credit loss provision to net charge-offs | 47.1698% | 2,128 |
| Earnings coverage of net charge-offs (x) | 12.6792% | 1,779 |
| Efficiency ratio | 77.4269% | 2,277 |
| Assets per employee ($millions) | 1.5930% | 6,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 2,560 |
| Loan loss allowance to noncurrent loans | 82.8196% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.7221% | 1,450 |
| Noncurrent loans to loans | 1.7802% | 1,526 |
| Net loans and leases to total assets | 84.8835% | 257 |
| Net loans and leases to deposits | 93.8912% | 992 |
| Net loans and leases to core deposits | 99.1311% | 1,385 |
| Total domestic deposits to total assets | 90.4062% | 561 |
| Equity capital to assets | 9.3474% | 4,910 |
| Core capital (leverage) ratio | 9.6457% | 4,087 |
| Tier 1 risk-based capital ratio | 16.4182% | 2,724 |
| Total risk-based capital ratio | 17.6679% | 2,664 |
| Memoranda: | ||
| Average total assets | $125,667,500 | 4,070 |
| Average earning assets | $120,659,000 | 3,959 |
| Average equity | $11,721,000 | 4,468 |
| Average total loans | $107,252,500 | 3,315 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9700% | 161 |
| Cost of funding earning assets | 0.5449% | 2,246 |
| Net interest margin | 5.4251% | 153 |
| Noninterest income to average assets | 3.6156% | 159 |
| Noninterest expense to average assets | 6.6049% | 154 |
| Loan and lease loss provision to assets | 0.0439% | 3,692 |
| Net operating income to assets | 2.1455% | 248 |
| Return on assets (ROA) | 2.1455% | 253 |
| Pretax return on assets | 2.1455% | 365 |
| Return on Equity (ROE) | 24.7301% | 110 |
| Retained earnings to average equity (ytd only) | 24.7301% | 42 |
| Net charge-offs to loans | -0.5204% | 6,398 |
| Credit loss provision to net charge-offs | -10.6838% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1047% | 2,651 |
| Assets per employee ($millions) | 1.7472% | 6,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 2,049 |
| Loan loss allowance to noncurrent loans | 94.5011% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.6336% | 1,654 |
| Noncurrent loans to loans | 1.7070% | 1,711 |
| Net loans and leases to total assets | 83.1314% | 420 |
| Net loans and leases to deposits | 92.1135% | 1,277 |
| Net loans and leases to core deposits | 97.5515% | 1,588 |
| Total domestic deposits to total assets | 90.2489% | 631 |
| Equity capital to assets | 9.3055% | 4,946 |
| Core capital (leverage) ratio | 9.7563% | 3,894 |
| Tier 1 risk-based capital ratio | 18.6456% | 1,946 |
| Total risk-based capital ratio | 19.9033% | 1,910 |
| Memoranda: | ||
| Average total assets | $114,006,200 | 4,300 |
| Average earning assets | $108,828,200 | 4,210 |
| Average equity | $9,890,800 | 4,771 |
| Average total loans | $89,926,200 | 3,630 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8787% | 171 |
| Cost of funding earning assets | 0.5574% | 2,219 |
| Net interest margin | 5.3213% | 175 |
| Noninterest income to average assets | 3.3007% | 171 |
| Noninterest expense to average assets | 6.3585% | 160 |
| Loan and lease loss provision to assets | 0.0298% | 3,812 |
| Net operating income to assets | 1.9845% | 353 |
| Return on assets (ROA) | 1.9845% | 365 |
| Pretax return on assets | 1.9845% | 591 |
| Return on Equity (ROE) | 23.3371% | 146 |
| Retained earnings to average equity (ytd only) | 23.3371% | 42 |
| Net charge-offs to loans | -0.7392% | 6,502 |
| Credit loss provision to net charge-offs | -5.2083% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9425% | 2,496 |
| Assets per employee ($millions) | 1.7011% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 1,959 |
| Loan loss allowance to noncurrent loans | 311.8868% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 3,787 |
| Noncurrent loans to loans | 0.5463% | 4,279 |
| Net loans and leases to total assets | 83.6755% | 353 |
| Net loans and leases to deposits | 92.5644% | 1,177 |
| Net loans and leases to core deposits | 99.8586% | 1,377 |
| Total domestic deposits to total assets | 90.3971% | 573 |
| Equity capital to assets | 9.2502% | 5,086 |
| Core capital (leverage) ratio | 9.1209% | 4,895 |
| Tier 1 risk-based capital ratio | 18.5712% | 2,028 |
| Total risk-based capital ratio | 19.8407% | 1,989 |
| Memoranda: | ||
| Average total assets | $111,931,750 | 4,381 |
| Average earning assets | $106,688,250 | 4,291 |
| Average equity | $9,518,250 | 4,896 |
| Average total loans | $86,572,750 | 3,740 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6924% | 223 |
| Cost of funding earning assets | 0.5589% | 2,275 |
| Net interest margin | 5.1335% | 228 |
| Noninterest income to average assets | 2.6876% | 222 |
| Noninterest expense to average assets | 6.0027% | 180 |
| Loan and lease loss provision to assets | 0.0449% | 3,423 |
| Net operating income to assets | 1.5281% | 829 |
| Return on assets (ROA) | 1.5281% | 863 |
| Pretax return on assets | 1.5281% | 1,458 |
| Return on Equity (ROE) | 18.5252% | 411 |
| Retained earnings to average equity (ytd only) | 18.5252% | 113 |
| Net charge-offs to loans | 0.0698% | 3,004 |
| Credit loss provision to net charge-offs | 86.2069% | 2,240 |
| Earnings coverage of net charge-offs (x) | 30.1724% | 1,254 |
| Efficiency ratio | 79.2359% | 2,131 |
| Assets per employee ($millions) | 1.7400% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,044 |
| Loan loss allowance to noncurrent loans | 176.1538% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1915% | 2,701 |
| Noncurrent loans to loans | 0.7190% | 3,904 |
| Net loans and leases to total assets | 76.5640% | 1,098 |
| Net loans and leases to deposits | 83.8132% | 2,052 |
| Net loans and leases to core deposits | 90.7839% | 2,050 |
| Total domestic deposits to total assets | 91.3508% | 293 |
| Equity capital to assets | 8.3550% | 5,910 |
| Core capital (leverage) ratio | 8.9703% | 5,064 |
| Tier 1 risk-based capital ratio | 18.1094% | 2,200 |
| Total risk-based capital ratio | 19.3708% | 2,167 |
| Memoranda: | ||
| Average total assets | $111,250,330 | 4,422 |
| Average earning assets | $105,931,000 | 4,326 |
| Average equity | $9,176,670 | 4,989 |
| Average total loans | $83,089,330 | 3,829 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4228% | 330 |
| Cost of funding earning assets | 0.5926% | 2,041 |
| Net interest margin | 4.8302% | 363 |
| Noninterest income to average assets | 1.8639% | 379 |
| Noninterest expense to average assets | 5.5881% | 225 |
| Loan and lease loss provision to assets | 0.0921% | 2,382 |
| Net operating income to assets | 0.7773% | 3,264 |
| Return on assets (ROA) | 0.7773% | 3,346 |
| Pretax return on assets | 0.7773% | 4,190 |
| Return on Equity (ROE) | 9.4885% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.4885% | 1,109 |
| Net charge-offs to loans | 0.0352% | 2,898 |
| Credit loss provision to net charge-offs | 357.1429% | 702 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 977 |
| Efficiency ratio | 86.5374% | 1,388 |
| Assets per employee ($millions) | 2.2099% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 3,652 |
| Loan loss allowance to noncurrent loans | 216.5121% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 2,942 |
| Noncurrent loans to loans | 0.6425% | 4,254 |
| Net loans and leases to total assets | 76.3933% | 954 |
| Net loans and leases to deposits | 83.3915% | 1,896 |
| Net loans and leases to core deposits | 90.8174% | 1,844 |
| Total domestic deposits to total assets | 91.6081% | 349 |
| Equity capital to assets | 8.3300% | 5,801 |
| Core capital (leverage) ratio | 8.4614% | 5,690 |
| Tier 1 risk-based capital ratio | 17.3936% | 2,516 |
| Total risk-based capital ratio | 18.6517% | 2,483 |
| Memoranda: | ||
| Average total assets | $108,587,000 | 4,520 |
| Average earning assets | $103,268,000 | 4,418 |
| Average equity | $8,895,000 | 5,078 |
| Average total loans | $79,433,500 | 3,954 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0790% | 154 |
| Cost of funding earning assets | 0.5281% | 3,304 |
| Net interest margin | 5.5509% | 122 |
| Noninterest income to average assets | 2.8307% | 240 |
| Noninterest expense to average assets | 5.9390% | 209 |
| Loan and lease loss provision to assets | 0.2177% | 1,675 |
| Net operating income to assets | 1.6325% | 649 |
| Return on assets (ROA) | 1.6325% | 665 |
| Pretax return on assets | 1.9252% | 572 |
| Return on Equity (ROE) | 18.7168% | 359 |
| Retained earnings to average equity (ytd only) | 18.7168% | 99 |
| Net charge-offs to loans | -0.1483% | 6,562 |
| Credit loss provision to net charge-offs | -202.0202% | 5,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4851% | 3,220 |
| Assets per employee ($millions) | 2.1351% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 3,042 |
| Loan loss allowance to noncurrent loans | 200.1742% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1112% | 3,181 |
| Noncurrent loans to loans | 0.7655% | 4,054 |
| Net loans and leases to total assets | 67.8017% | 2,389 |
| Net loans and leases to deposits | 73.8514% | 3,282 |
| Net loans and leases to core deposits | 78.8816% | 3,256 |
| Total domestic deposits to total assets | 91.8083% | 326 |
| Equity capital to assets | 8.0539% | 5,977 |
| Core capital (leverage) ratio | 8.8267% | 5,238 |
| Tier 1 risk-based capital ratio | 18.9736% | 1,927 |
| Total risk-based capital ratio | 20.2386% | 1,885 |
| Memoranda: | ||
| Average total assets | $91,884,200 | 4,932 |
| Average earning assets | $86,922,800 | 4,856 |
| Average equity | $8,014,200 | 5,332 |
| Average total loans | $66,756,800 | 4,387 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9901% | 182 |
| Cost of funding earning assets | 0.4886% | 3,883 |
| Net interest margin | 5.5015% | 135 |
| Noninterest income to average assets | 3.0003% | 237 |
| Noninterest expense to average assets | 6.1619% | 189 |
| Loan and lease loss provision to assets | 0.2663% | 1,329 |
| Net operating income to assets | 1.3541% | 1,217 |
| Return on assets (ROA) | 1.3541% | 1,263 |
| Pretax return on assets | 1.7634% | 973 |
| Return on Equity (ROE) | 15.1642% | 778 |
| Retained earnings to average equity (ytd only) | 15.1642% | 193 |
| Net charge-offs to loans | -0.1917% | 6,643 |
| Credit loss provision to net charge-offs | -188.1720% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2229% | 2,864 |
| Assets per employee ($millions) | 1.8883% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 3,221 |
| Loan loss allowance to noncurrent loans | 142.0051% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.5591% | 2,594 |
| Noncurrent loans to loans | 1.0924% | 3,608 |
| Net loans and leases to total assets | 75.2137% | 1,112 |
| Net loans and leases to deposits | 82.5416% | 2,064 |
| Net loans and leases to core deposits | 88.3587% | 2,150 |
| Total domestic deposits to total assets | 91.1222% | 480 |
| Equity capital to assets | 8.6607% | 5,554 |
| Core capital (leverage) ratio | 9.1445% | 4,903 |
| Tier 1 risk-based capital ratio | 19.2332% | 1,920 |
| Total risk-based capital ratio | 20.4989% | 1,883 |
| Memoranda: | ||
| Average total assets | $87,632,500 | 5,083 |
| Average earning assets | $82,690,500 | 5,008 |
| Average equity | $7,825,250 | 5,443 |
| Average total loans | $64,701,250 | 4,501 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9829% | 189 |
| Cost of funding earning assets | 0.4302% | 4,660 |
| Net interest margin | 5.5527% | 127 |
| Noninterest income to average assets | 2.9752% | 257 |
| Noninterest expense to average assets | 6.0699% | 203 |
| Loan and lease loss provision to assets | 0.3514% | 943 |
| Net operating income to assets | 1.1526% | 1,729 |
| Return on assets (ROA) | 1.1526% | 1,849 |
| Pretax return on assets | 1.7851% | 958 |
| Return on Equity (ROE) | 12.7660% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.7660% | 411 |
| Net charge-offs to loans | -0.0771% | 6,419 |
| Credit loss provision to net charge-offs | -625.0000% | 5,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9652% | 3,139 |
| Assets per employee ($millions) | 1.9165% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 3,510 |
| Loan loss allowance to noncurrent loans | 354.3253% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 3,659 |
| Noncurrent loans to loans | 0.4282% | 5,191 |
| Net loans and leases to total assets | 78.8232% | 660 |
| Net loans and leases to deposits | 87.0539% | 1,457 |
| Net loans and leases to core deposits | 89.9495% | 1,912 |
| Total domestic deposits to total assets | 90.5453% | 732 |
| Equity capital to assets | 9.2532% | 4,918 |
| Core capital (leverage) ratio | 9.7702% | 3,835 |
| Tier 1 risk-based capital ratio | 19.2303% | 1,931 |
| Total risk-based capital ratio | 20.4672% | 1,902 |
| Memoranda: | ||
| Average total assets | $85,371,670 | 5,177 |
| Average earning assets | $80,428,670 | 5,108 |
| Average equity | $7,708,000 | 5,511 |
| Average total loans | $62,224,330 | 4,594 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5455% | 344 |
| Cost of funding earning assets | 0.4106% | 5,003 |
| Net interest margin | 5.1349% | 220 |
| Noninterest income to average assets | 2.5567% | 309 |
| Noninterest expense to average assets | 5.5324% | 265 |
| Loan and lease loss provision to assets | 0.3493% | 938 |
| Net operating income to assets | 1.5088% | 844 |
| Return on assets (ROA) | 1.5088% | 920 |
| Pretax return on assets | 1.5088% | 1,534 |
| Return on Equity (ROE) | 16.9180% | 516 |
| Retained earnings to average equity (ytd only) | 16.9180% | 233 |
| Net charge-offs to loans | -0.1275% | 6,540 |
| Credit loss provision to net charge-offs | -394.7368% | 5,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8582% | 3,115 |
| Assets per employee ($millions) | 2.1994% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,628 |
| Loan loss allowance to noncurrent loans | 264.4258% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 1.0757% | 3,780 |
| Noncurrent loans to loans | 0.5855% | 4,979 |
| Net loans and leases to total assets | 71.8304% | 1,380 |
| Net loans and leases to deposits | 79.4224% | 2,159 |
| Net loans and leases to core deposits | 81.8078% | 2,599 |
| Total domestic deposits to total assets | 90.4410% | 794 |
| Equity capital to assets | 9.3328% | 5,092 |
| Core capital (leverage) ratio | 9.3424% | 4,341 |
| Tier 1 risk-based capital ratio | 20.5588% | 1,642 |
| Total risk-based capital ratio | 21.7883% | 1,617 |
| Memoranda: | ||
| Average total assets | $85,893,500 | 5,200 |
| Average earning assets | $80,858,000 | 5,127 |
| Average equity | $7,660,500 | 5,595 |
| Average total loans | $59,589,500 | 4,722 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 365 |
| Cost of funding earning assets | 0.3307% | 6,309 |
| Net interest margin | 5.4682% | 178 |
| Noninterest income to average assets | 2.8087% | 276 |
| Noninterest expense to average assets | 5.9127% | 227 |
| Loan and lease loss provision to assets | 1.0489% | 370 |
| Net operating income to assets | 0.6211% | 4,138 |
| Return on assets (ROA) | 0.6211% | 4,400 |
| Pretax return on assets | 0.9358% | 3,791 |
| Return on Equity (ROE) | 6.0796% | 4,132 |
| Retained earnings to average equity (ytd only) | 6.0796% | 2,026 |
| Net charge-offs to loans | 1.2476% | 796 |
| Credit loss provision to net charge-offs | 120.6349% | 2,375 |
| Earnings coverage of net charge-offs (x) | 2.2825% | 4,275 |
| Efficiency ratio | 74.8689% | 2,924 |
| Assets per employee ($millions) | 2.2053% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 3,894 |
| Loan loss allowance to noncurrent loans | 144.8041% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.4896% | 3,152 |
| Noncurrent loans to loans | 1.0086% | 4,177 |
| Net loans and leases to total assets | 65.0168% | 2,715 |
| Net loans and leases to deposits | 71.4595% | 3,500 |
| Net loans and leases to core deposits | 73.9615% | 3,786 |
| Total domestic deposits to total assets | 90.9841% | 499 |
| Equity capital to assets | 8.5261% | 6,029 |
| Core capital (leverage) ratio | 10.3909% | 2,895 |
| Tier 1 risk-based capital ratio | 19.4399% | 1,832 |
| Total risk-based capital ratio | 20.6970% | 1,797 |
| Memoranda: | ||
| Average total assets | $72,454,600 | 5,566 |
| Average earning assets | $67,426,800 | 5,506 |
| Average equity | $7,401,800 | 5,662 |
| Average total loans | $50,497,600 | 5,088 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0006% | 281 |
| Cost of funding earning assets | 0.3295% | 6,470 |
| Net interest margin | 5.6711% | 147 |
| Noninterest income to average assets | 2.7283% | 281 |
| Noninterest expense to average assets | 5.6862% | 243 |
| Loan and lease loss provision to assets | 0.1965% | 3,119 |
| Net operating income to assets | 1.3894% | 1,253 |
| Return on assets (ROA) | 1.3894% | 1,371 |
| Pretax return on assets | 2.1036% | 569 |
| Return on Equity (ROE) | 12.9135% | 1,359 |
| Retained earnings to average equity (ytd only) | 12.9135% | 404 |
| Net charge-offs to loans | 0.1894% | 3,603 |
| Credit loss provision to net charge-offs | 146.3768% | 1,946 |
| Earnings coverage of net charge-offs (x) | 17.1300% | 1,640 |
| Efficiency ratio | 71.1988% | 3,470 |
| Assets per employee ($millions) | 1.7790% | 7,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,574 |
| Loan loss allowance to noncurrent loans | 114.9847% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 4,289 |
| Noncurrent loans to loans | 1.1750% | 4,099 |
| Net loans and leases to total assets | 79.1369% | 585 |
| Net loans and leases to deposits | 89.3158% | 1,228 |
| Net loans and leases to core deposits | 92.1984% | 1,763 |
| Total domestic deposits to total assets | 88.6035% | 1,657 |
| Equity capital to assets | 11.2495% | 2,983 |
| Core capital (leverage) ratio | 11.5331% | 1,962 |
| Tier 1 risk-based capital ratio | 21.6807% | 1,384 |
| Total risk-based capital ratio | 22.9397% | 1,362 |
| Memoranda: | ||
| Average total assets | $68,515,500 | 5,726 |
| Average earning assets | $63,525,250 | 5,678 |
| Average equity | $7,372,000 | 5,726 |
| Average total loans | $48,571,500 | 5,217 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8828% | 353 |
| Cost of funding earning assets | 0.3273% | 6,613 |
| Net interest margin | 5.5554% | 166 |
| Noninterest income to average assets | 2.5415% | 291 |
| Noninterest expense to average assets | 5.5257% | 270 |
| Loan and lease loss provision to assets | 0.2052% | 3,015 |
| Net operating income to assets | 1.2781% | 1,495 |
| Return on assets (ROA) | 1.2781% | 1,658 |
| Pretax return on assets | 1.9347% | 795 |
| Return on Equity (ROE) | 12.0647% | 1,647 |
| Retained earnings to average equity (ytd only) | 12.0647% | 571 |
| Net charge-offs to loans | 0.2424% | 3,122 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 13.0357% | 1,828 |
| Efficiency ratio | 72.0841% | 3,419 |
| Assets per employee ($millions) | 2.1541% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 4,021 |
| Loan loss allowance to noncurrent loans | 192.6509% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 1.9556% | 2,835 |
| Noncurrent loans to loans | 0.7773% | 4,951 |
| Net loans and leases to total assets | 70.0454% | 1,912 |
| Net loans and leases to deposits | 78.6202% | 2,578 |
| Net loans and leases to core deposits | 81.1574% | 3,064 |
| Total domestic deposits to total assets | 89.0934% | 1,455 |
| Equity capital to assets | 10.8398% | 3,301 |
| Core capital (leverage) ratio | 10.9858% | 2,305 |
| Tier 1 risk-based capital ratio | 22.6150% | 1,185 |
| Total risk-based capital ratio | 23.8227% | 1,172 |
| Memoranda: | ||
| Average total assets | $68,227,000 | 5,774 |
| Average earning assets | $62,929,670 | 5,742 |
| Average equity | $7,227,670 | 5,778 |
| Average total loans | $46,209,330 | 5,336 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5580% | 681 |
| Cost of funding earning assets | 0.3138% | 6,804 |
| Net interest margin | 5.2442% | 278 |
| Noninterest income to average assets | 2.4044% | 318 |
| Noninterest expense to average assets | 5.5042% | 268 |
| Loan and lease loss provision to assets | 0.1768% | 3,199 |
| Net operating income to assets | 1.0254% | 2,382 |
| Return on assets (ROA) | 1.0254% | 2,568 |
| Pretax return on assets | 1.5499% | 1,739 |
| Return on Equity (ROE) | 9.7952% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.7952% | 1,321 |
| Net charge-offs to loans | 0.4107% | 2,070 |
| Credit loss provision to net charge-offs | 65.2174% | 3,010 |
| Earnings coverage of net charge-offs (x) | 6.3696% | 2,221 |
| Efficiency ratio | 76.1206% | 2,769 |
| Assets per employee ($millions) | 2.1662% | 7,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 4,197 |
| Loan loss allowance to noncurrent loans | 185.2632% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 2.0580% | 2,814 |
| Noncurrent loans to loans | 0.8052% | 5,066 |
| Net loans and leases to total assets | 69.2305% | 1,903 |
| Net loans and leases to deposits | 77.5838% | 2,582 |
| Net loans and leases to core deposits | 80.7101% | 2,980 |
| Total domestic deposits to total assets | 89.2332% | 1,530 |
| Equity capital to assets | 10.7132% | 3,250 |
| Core capital (leverage) ratio | 10.6100% | 2,635 |
| Tier 1 risk-based capital ratio | 22.4347% | 1,221 |
| Total risk-based capital ratio | 23.6265% | 1,205 |
| Memoranda: | ||
| Average total assets | $67,875,000 | 5,832 |
| Average earning assets | $62,469,000 | 5,798 |
| Average equity | $7,105,500 | 5,840 |
| Average total loans | $44,805,500 | 5,435 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9638% | 458 |
| Cost of funding earning assets | 0.6191% | 5,988 |
| Net interest margin | 5.3447% | 224 |
| Noninterest income to average assets | 1.0758% | 1,155 |
| Noninterest expense to average assets | 4.4297% | 628 |
| Loan and lease loss provision to assets | 0.2129% | 4,060 |
| Net operating income to assets | 1.0460% | 2,019 |
| Return on assets (ROA) | 1.0460% | 2,167 |
| Pretax return on assets | 1.4080% | 1,758 |
| Return on Equity (ROE) | 11.5070% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.5070% | 344 |
| Net charge-offs to loans | 0.0323% | 5,995 |
| Credit loss provision to net charge-offs | 1,250.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 95.1667% | 319 |
| Efficiency ratio | 73.2114% | 3,357 |
| Assets per employee ($millions) | 2.6384% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6974% | 3,214 |
| Loan loss allowance to noncurrent loans | 458.5987% | 739 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 3,565 |
| Noncurrent loans to loans | 0.3701% | 5,981 |
| Net loans and leases to total assets | 60.7851% | 3,832 |
| Net loans and leases to deposits | 68.1017% | 4,436 |
| Net loans and leases to core deposits | 70.7850% | 4,674 |
| Total domestic deposits to total assets | 89.2564% | 1,393 |
| Equity capital to assets | 10.2290% | 3,877 |
| Core capital (leverage) ratio | 9.9964% | 3,343 |
| Tier 1 risk-based capital ratio | 23.5992% | 1,010 |
| Total risk-based capital ratio | 24.8604% | 995 |
| Memoranda: | ||
| Average total assets | $70,456,000 | 5,729 |
| Average earning assets | $65,578,800 | 5,678 |
| Average equity | $6,404,800 | 6,038 |
| Average total loans | $37,183,600 | 5,824 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7425% | 784 |
| Cost of funding earning assets | 0.6831% | 5,862 |
| Net interest margin | 5.0595% | 371 |
| Noninterest income to average assets | 0.8761% | 1,737 |
| Noninterest expense to average assets | 4.2056% | 789 |
| Loan and lease loss provision to assets | 0.2256% | 3,754 |
| Net operating income to assets | 0.7689% | 3,304 |
| Return on assets (ROA) | 0.7689% | 3,466 |
| Pretax return on assets | 1.1656% | 2,764 |
| Return on Equity (ROE) | 8.7227% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.7227% | 1,244 |
| Net charge-offs to loans | 0.0483% | 5,506 |
| Credit loss provision to net charge-offs | 923.0769% | 289 |
| Earnings coverage of net charge-offs (x) | 56.9325% | 577 |
| Efficiency ratio | 75.1428% | 2,982 |
| Assets per employee ($millions) | 2.8894% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6913% | 3,307 |
| Loan loss allowance to noncurrent loans | 637.9630% | 541 |
| Noncurrent assets plus other real estate owned to assets | 1.4411% | 3,961 |
| Noncurrent loans to loans | 0.2651% | 6,344 |
| Net loans and leases to total assets | 55.4420% | 4,930 |
| Net loans and leases to deposits | 61.1971% | 5,486 |
| Net loans and leases to core deposits | 63.4353% | 5,682 |
| Total domestic deposits to total assets | 90.5958% | 591 |
| Equity capital to assets | 9.3211% | 5,345 |
| Core capital (leverage) ratio | 9.1702% | 4,673 |
| Tier 1 risk-based capital ratio | 22.1534% | 1,261 |
| Total risk-based capital ratio | 23.4152% | 1,239 |
| Memoranda: | ||
| Average total assets | $70,920,250 | 5,760 |
| Average earning assets | $66,171,500 | 5,704 |
| Average equity | $6,251,750 | 6,129 |
| Average total loans | $35,875,000 | 5,929 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7927% | 726 |
| Cost of funding earning assets | 0.7556% | 5,639 |
| Net interest margin | 5.0372% | 375 |
| Noninterest income to average assets | 0.7434% | 2,294 |
| Noninterest expense to average assets | 4.2110% | 821 |
| Loan and lease loss provision to assets | 0.2270% | 3,648 |
| Net operating income to assets | 0.6697% | 3,690 |
| Return on assets (ROA) | 0.6697% | 3,811 |
| Pretax return on assets | 1.0159% | 3,179 |
| Return on Equity (ROE) | 7.7487% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.7487% | 1,555 |
| Net charge-offs to loans | 0.0409% | 5,279 |
| Credit loss provision to net charge-offs | 1,142.8571% | 298 |
| Earnings coverage of net charge-offs (x) | 62.5714% | 525 |
| Efficiency ratio | 77.2112% | 2,825 |
| Assets per employee ($millions) | 3.0304% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 2,830 |
| Loan loss allowance to noncurrent loans | 66.4300% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.3068% | 4,289 |
| Noncurrent loans to loans | 2.7820% | 2,621 |
| Net loans and leases to total assets | 45.9180% | 6,280 |
| Net loans and leases to deposits | 50.1456% | 6,580 |
| Net loans and leases to core deposits | 52.0654% | 6,660 |
| Total domestic deposits to total assets | 91.5693% | 328 |
| Equity capital to assets | 8.3634% | 6,348 |
| Core capital (leverage) ratio | 8.7561% | 5,127 |
| Tier 1 risk-based capital ratio | 21.4955% | 1,328 |
| Total risk-based capital ratio | 22.7555% | 1,306 |
| Memoranda: | ||
| Average total assets | $70,482,330 | 5,814 |
| Average earning assets | $65,910,000 | 5,758 |
| Average equity | $6,091,330 | 6,210 |
| Average total loans | $34,254,330 | 6,057 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5505% | 1,176 |
| Cost of funding earning assets | 0.8228% | 5,448 |
| Net interest margin | 4.7277% | 662 |
| Noninterest income to average assets | 0.7370% | 2,337 |
| Noninterest expense to average assets | 4.4455% | 630 |
| Loan and lease loss provision to assets | 0.1769% | 3,853 |
| Net operating income to assets | 0.3420% | 5,212 |
| Return on assets (ROA) | 0.3420% | 5,292 |
| Pretax return on assets | 0.5188% | 4,962 |
| Return on Equity (ROE) | 3.8867% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.8867% | 3,838 |
| Net charge-offs to loans | 0.2020% | 3,296 |
| Credit loss provision to net charge-offs | 176.4706% | 1,653 |
| Earnings coverage of net charge-offs (x) | 6.9412% | 2,027 |
| Efficiency ratio | 86.4679% | 1,657 |
| Assets per employee ($millions) | 3.0128% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 3,592 |
| Loan loss allowance to noncurrent loans | 50.6383% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.9843% | 3,339 |
| Noncurrent loans to loans | 3.2224% | 2,331 |
| Net loans and leases to total assets | 51.7635% | 5,614 |
| Net loans and leases to deposits | 56.7197% | 6,059 |
| Net loans and leases to core deposits | 59.1069% | 6,174 |
| Total domestic deposits to total assets | 91.2619% | 507 |
| Equity capital to assets | 8.6588% | 5,704 |
| Core capital (leverage) ratio | 9.5560% | 3,718 |
| Tier 1 risk-based capital ratio | 19.1347% | 1,765 |
| Total risk-based capital ratio | 20.3907% | 1,732 |
| Memoranda: | ||
| Average total assets | $67,844,000 | 5,935 |
| Average earning assets | $63,201,500 | 5,889 |
| Average equity | $5,969,000 | 6,259 |
| Average total loans | $33,660,500 | 6,142 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0290% | 7,561 |
| Cost of funding earning assets | 0.4477% | 7,372 |
| Net interest margin | 1.5813% | 7,539 |
| Noninterest income to average assets | 0.2543% | 5,980 |
| Noninterest expense to average assets | 1.7228% | 7,334 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0125% | 5,797 |
| Return on assets (ROA) | 0.0241% | 5,903 |
| Pretax return on assets | 0.0376% | 5,820 |
| Return on Equity (ROE) | 0.3012% | 5,880 |
| Retained earnings to average equity (ytd only) | 0.3012% | 5,431 |
| Net charge-offs to loans | -0.0232% | 7,379 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8774% | 827 |
| Assets per employee ($millions) | 3.1616% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 2,602 |
| Loan loss allowance to noncurrent loans | 59.0264% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.7938% | 3,631 |
| Noncurrent loans to loans | 3.1954% | 2,381 |
| Net loans and leases to total assets | 45.5990% | 6,592 |
| Net loans and leases to deposits | 50.1615% | 6,847 |
| Net loans and leases to core deposits | 52.8341% | 6,865 |
| Total domestic deposits to total assets | 90.9043% | 646 |
| Equity capital to assets | 8.9436% | 5,217 |
| Core capital (leverage) ratio | 9.5089% | 3,696 |
| Tier 1 risk-based capital ratio | 19.4952% | 1,595 |
| Total risk-based capital ratio | 20.7510% | 1,568 |
| Memoranda: | ||
| Average total assets | $66,461,600 | 5,981 |
| Average earning assets | $62,542,400 | 5,903 |
| Average equity | $5,312,800 | 6,561 |
| Average total loans | $30,195,800 | 6,387 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9651% | 7,726 |
| Cost of funding earning assets | 0.2806% | 7,646 |
| Net interest margin | 0.6845% | 7,720 |
| Noninterest income to average assets | 0.1023% | 7,037 |
| Noninterest expense to average assets | 0.9065% | 7,707 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.1043% | 6,186 |
| Return on assets (ROA) | -0.1043% | 6,277 |
| Pretax return on assets | -0.1584% | 6,280 |
| Return on Equity (ROE) | -1.3445% | 6,316 |
| Retained earnings to average equity (ytd only) | -1.3445% | 6,066 |
| Net charge-offs to loans | 0.0177% | 6,427 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -19.7617% | 6,645 |
| Efficiency ratio | 121.1796% | 378 |
| Assets per employee ($millions) | 4.0664% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1102% | 1,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 6,744 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 40.7119% | 7,040 |
| Net loans and leases to deposits | 45.0837% | 7,201 |
| Net loans and leases to core deposits | 46.8748% | 7,236 |
| Total domestic deposits to total assets | 90.3031% | 724 |
| Equity capital to assets | 9.5663% | 4,742 |
| Core capital (leverage) ratio | 9.5006% | 3,905 |
| Tier 1 risk-based capital ratio | 22.1090% | 1,192 |
| Total risk-based capital ratio | 23.3680% | 1,160 |
| Memoranda: | ||
| Average total assets | $66,478,500 | 6,050 |
| Average earning assets | $62,723,750 | 5,965 |
| Average equity | $5,156,500 | 6,697 |
| Average total loans | $30,030,500 | 6,477 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 7,620 |
| Cost of funding earning assets | 1.1160% | 5,593 |
| Net interest margin | 2.3422% | 7,513 |
| Noninterest income to average assets | 0.3794% | 5,088 |
| Noninterest expense to average assets | 2.9962% | 3,727 |
| Loan and lease loss provision to assets | 0.1105% | 5,799 |
| Net operating income to assets | -0.3346% | 6,513 |
| Return on assets (ROA) | -0.3346% | 6,552 |
| Pretax return on assets | -0.5078% | 6,595 |
| Return on Equity (ROE) | -4.6660% | 6,667 |
| Retained earnings to average equity (ytd only) | -4.6660% | 6,513 |
| Net charge-offs to loans | 0.5093% | 3,003 |
| Credit loss provision to net charge-offs | 46.8354% | 5,487 |
| Earnings coverage of net charge-offs (x) | -1.6835% | 6,190 |
| Efficiency ratio | 115.2874% | 474 |
| Assets per employee ($millions) | 5.0049% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0875% | 345 |
| Loan loss allowance to noncurrent loans | 30.0421% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 6.6657% | 825 |
| Noncurrent loans to loans | 13.6061% | 211 |
| Net loans and leases to total assets | 43.7815% | 6,937 |
| Net loans and leases to deposits | 47.2977% | 7,194 |
| Net loans and leases to core deposits | 48.6965% | 7,260 |
| Total domestic deposits to total assets | 92.5658% | 142 |
| Equity capital to assets | 7.3020% | 7,226 |
| Core capital (leverage) ratio | 7.3593% | 6,947 |
| Tier 1 risk-based capital ratio | 15.4958% | 2,894 |
| Total risk-based capital ratio | 16.7776% | 2,848 |
| Memoranda: | ||
| Average total assets | $66,950,670 | 6,064 |
| Average earning assets | $63,443,670 | 5,973 |
| Average equity | $4,800,670 | 6,841 |
| Average total loans | $31,021,000 | 6,477 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9728% | 7,814 |
| Cost of funding earning assets | 1.1730% | 5,541 |
| Net interest margin | 1.7998% | 7,773 |
| Noninterest income to average assets | 0.3653% | 5,222 |
| Noninterest expense to average assets | 2.7572% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.4536% | 6,804 |
| Return on assets (ROA) | -0.4536% | 6,835 |
| Pretax return on assets | -0.6834% | 6,891 |
| Return on Equity (ROE) | -6.3828% | 6,954 |
| Retained earnings to average equity (ytd only) | -6.3828% | 6,685 |
| Net charge-offs to loans | -0.0379% | 7,265 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.9545% | 311 |
| Assets per employee ($millions) | 5.1973% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0654% | 354 |
| Loan loss allowance to noncurrent loans | 24.0130% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 7.7733% | 639 |
| Noncurrent loans to loans | 16.9298% | 134 |
| Net loans and leases to total assets | 43.9725% | 6,995 |
| Net loans and leases to deposits | 47.3942% | 7,259 |
| Net loans and leases to core deposits | 49.2638% | 7,309 |
| Total domestic deposits to total assets | 92.7803% | 138 |
| Equity capital to assets | 7.0850% | 7,332 |
| Core capital (leverage) ratio | 7.0797% | 7,194 |
| Tier 1 risk-based capital ratio | 15.1607% | 3,032 |
| Total risk-based capital ratio | 16.4434% | 2,975 |
| Memoranda: | ||
| Average total assets | $67,894,000 | 6,110 |
| Average earning assets | $64,450,000 | 6,020 |
| Average equity | $4,825,500 | 6,900 |
| Average total loans | $31,681,500 | 6,534 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 7,802 |
| Cost of funding earning assets | 1.8037% | 3,973 |
| Net interest margin | 1.8448% | 7,795 |
| Noninterest income to average assets | 0.5897% | 3,708 |
| Noninterest expense to average assets | 2.9000% | 4,530 |
| Loan and lease loss provision to assets | 0.1043% | 6,590 |
| Net operating income to assets | -0.4395% | 6,116 |
| Return on assets (ROA) | -0.4395% | 6,116 |
| Pretax return on assets | -0.6662% | 6,155 |
| Return on Equity (ROE) | -6.4611% | 6,344 |
| Retained earnings to average equity (ytd only) | -6.4611% | 6,191 |
| Net charge-offs to loans | 0.1286% | 5,910 |
| Credit loss provision to net charge-offs | 144.2308% | 3,311 |
| Earnings coverage of net charge-offs (x) | -7.7692% | 7,146 |
| Efficiency ratio | 124.0333% | 542 |
| Assets per employee ($millions) | 5.2479% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8773% | 386 |
| Loan loss allowance to noncurrent loans | 23.6892% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 7.7848% | 594 |
| Noncurrent loans to loans | 16.3672% | 132 |
| Net loans and leases to total assets | 45.6415% | 7,014 |
| Net loans and leases to deposits | 49.2223% | 7,303 |
| Net loans and leases to core deposits | 74.5713% | 6,501 |
| Total domestic deposits to total assets | 92.7253% | 157 |
| Equity capital to assets | 7.1296% | 7,310 |
| Core capital (leverage) ratio | 6.9597% | 7,271 |
| Tier 1 risk-based capital ratio | 14.7716% | 3,062 |
| Total risk-based capital ratio | 16.0532% | 2,997 |
| Memoranda: | ||
| Average total assets | $71,895,800 | 5,946 |
| Average earning assets | $68,137,400 | 5,864 |
| Average equity | $4,890,800 | 6,983 |
| Average total loans | $40,428,000 | 6,081 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 7,863 |
| Cost of funding earning assets | 1.9366% | 3,674 |
| Net interest margin | 1.8709% | 7,865 |
| Noninterest income to average assets | 0.6647% | 3,254 |
| Noninterest expense to average assets | 2.9005% | 4,452 |
| Loan and lease loss provision to assets | 0.1373% | 5,977 |
| Net operating income to assets | -0.3955% | 6,316 |
| Return on assets (ROA) | -0.3955% | 6,313 |
| Pretax return on assets | -0.6006% | 6,389 |
| Return on Equity (ROE) | -5.8803% | 6,543 |
| Retained earnings to average equity (ytd only) | -5.8803% | 6,375 |
| Net charge-offs to loans | 0.1100% | 5,580 |
| Credit loss provision to net charge-offs | 214.2857% | 2,048 |
| Earnings coverage of net charge-offs (x) | -7.2278% | 6,880 |
| Efficiency ratio | 119.0083% | 603 |
| Assets per employee ($millions) | 4.4107% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8008% | 336 |
| Loan loss allowance to noncurrent loans | 45.7420% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 3.9662% | 1,624 |
| Noncurrent loans to loans | 8.3092% | 567 |
| Net loans and leases to total assets | 45.6561% | 7,130 |
| Net loans and leases to deposits | 49.1999% | 7,447 |
| Net loans and leases to core deposits | 75.1908% | 6,656 |
| Total domestic deposits to total assets | 92.7973% | 100 |
| Equity capital to assets | 7.0341% | 7,579 |
| Core capital (leverage) ratio | 7.0137% | 7,425 |
| Tier 1 risk-based capital ratio | 14.8980% | 3,091 |
| Total risk-based capital ratio | 16.1795% | 3,010 |
| Memoranda: | ||
| Average total assets | $72,814,000 | 5,958 |
| Average earning assets | $68,983,750 | 5,884 |
| Average equity | $4,897,500 | 7,040 |
| Average total loans | $42,436,500 | 6,047 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6946% | 7,994 |
| Cost of funding earning assets | 2.1042% | 3,243 |
| Net interest margin | 1.5904% | 7,994 |
| Noninterest income to average assets | 0.7912% | 2,457 |
| Noninterest expense to average assets | 2.9282% | 4,393 |
| Loan and lease loss provision to assets | 0.2039% | 5,013 |
| Net operating income to assets | -0.5519% | 6,599 |
| Return on assets (ROA) | -0.5519% | 6,604 |
| Pretax return on assets | -0.8347% | 6,702 |
| Return on Equity (ROE) | -8.3276% | 6,921 |
| Retained earnings to average equity (ytd only) | -8.3276% | 6,709 |
| Net charge-offs to loans | 0.0617% | 5,632 |
| Credit loss provision to net charge-offs | 535.7143% | 866 |
| Earnings coverage of net charge-offs (x) | -16.5714% | 6,555 |
| Efficiency ratio | 127.4556% | 547 |
| Assets per employee ($millions) | 5.5132% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6790% | 328 |
| Loan loss allowance to noncurrent loans | 23.8789% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 7.5832% | 521 |
| Noncurrent loans to loans | 15.4067% | 122 |
| Net loans and leases to total assets | 47.2695% | 7,099 |
| Net loans and leases to deposits | 50.7984% | 7,449 |
| Net loans and leases to core deposits | 80.5684% | 6,355 |
| Total domestic deposits to total assets | 93.0531% | 97 |
| Equity capital to assets | 6.7125% | 7,746 |
| Core capital (leverage) ratio | 6.6823% | 7,709 |
| Tier 1 risk-based capital ratio | 13.9086% | 3,572 |
| Total risk-based capital ratio | 15.1894% | 3,489 |
| Memoranda: | ||
| Average total assets | $73,561,670 | 5,986 |
| Average earning assets | $69,669,330 | 5,897 |
| Average equity | $4,875,330 | 7,112 |
| Average total loans | $45,417,670 | 5,965 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 8,005 |
| Cost of funding earning assets | 2.2693% | 2,842 |
| Net interest margin | 1.6751% | 8,011 |
| Noninterest income to average assets | 0.3919% | 5,282 |
| Noninterest expense to average assets | 2.7219% | 4,910 |
| Loan and lease loss provision to assets | 0.4026% | 2,912 |
| Net operating income to assets | -1.1435% | 7,330 |
| Return on assets (ROA) | -1.1435% | 7,341 |
| Pretax return on assets | -1.1435% | 7,221 |
| Return on Equity (ROE) | -17.3612% | 7,690 |
| Retained earnings to average equity (ytd only) | -17.3612% | 7,554 |
| Net charge-offs to loans | 0.2454% | 3,172 |
| Credit loss provision to net charge-offs | 241.9355% | 1,927 |
| Earnings coverage of net charge-offs (x) | -4.4516% | 5,557 |
| Efficiency ratio | 137.3984% | 434 |
| Assets per employee ($millions) | 5.1373% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5967% | 695 |
| Loan loss allowance to noncurrent loans | 10.4467% | 7,505 |
| Noncurrent assets plus other real estate owned to assets | 17.2659% | 53 |
| Noncurrent loans to loans | 24.8571% | 22 |
| Net loans and leases to total assets | 66.5999% | 4,443 |
| Net loans and leases to deposits | 71.5855% | 5,800 |
| Net loans and leases to core deposits | 110.9079% | 3,323 |
| Total domestic deposits to total assets | 93.0355% | 81 |
| Equity capital to assets | 6.6753% | 7,819 |
| Core capital (leverage) ratio | 6.4489% | 7,901 |
| Tier 1 risk-based capital ratio | 9.7037% | 7,251 |
| Total risk-based capital ratio | 10.9710% | 7,143 |
| Memoranda: | ||
| Average total assets | $74,506,500 | 5,987 |
| Average earning assets | $70,682,000 | 5,890 |
| Average equity | $4,907,500 | 7,144 |
| Average total loans | $50,540,000 | 5,779 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8665% | 8,264 |
| Cost of funding earning assets | 0.6302% | 8,170 |
| Net interest margin | 0.2363% | 8,286 |
| Noninterest income to average assets | 0.0972% | 7,646 |
| Noninterest expense to average assets | 0.5560% | 8,253 |
| Loan and lease loss provision to assets | 0.3334% | 3,722 |
| Net operating income to assets | -0.5854% | 6,995 |
| Return on assets (ROA) | -0.5854% | 6,880 |
| Pretax return on assets | -0.5854% | 6,725 |
| Return on Equity (ROE) | -4.4407% | 6,803 |
| Retained earnings to average equity (ytd only) | -4.4407% | 6,408 |
| Net charge-offs to loans | 0.5158% | 2,294 |
| Credit loss provision to net charge-offs | 102.4306% | 5,199 |
| Earnings coverage of net charge-offs (x) | -0.7743% | 6,556 |
| Efficiency ratio | 182.8996% | 235 |
| Assets per employee ($millions) | 4.5348% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3756% | 777 |
| Loan loss allowance to noncurrent loans | 9.9968% | 7,504 |
| Noncurrent assets plus other real estate owned to assets | 16.2509% | 50 |
| Noncurrent loans to loans | 23.7636% | 24 |
| Net loans and leases to total assets | 65.7275% | 4,910 |
| Net loans and leases to deposits | 70.4308% | 6,229 |
| Net loans and leases to core deposits | 104.9503% | 4,302 |
| Total domestic deposits to total assets | 93.3222% | 40 |
| Equity capital to assets | 6.5040% | 7,939 |
| Core capital (leverage) ratio | 6.4058% | 7,962 |
| Tier 1 risk-based capital ratio | 9.5303% | 7,275 |
| Total risk-based capital ratio | 10.7943% | 7,176 |
| Memoranda: | ||
| Average total assets | $88,483,000 | 5,405 |
| Average earning assets | $77,434,600 | 5,530 |
| Average equity | $11,664,800 | 4,924 |
| Average total loans | $55,840,000 | 5,459 |