Home > Uniti Bank > Performance and Condition Ratios
Uniti Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4185% | 605 |
| Cost of funding earning assets | 0.9753% | 1,678 |
| Net interest margin | 4.4432% | 824 |
| Noninterest income to average assets | 0.6589% | 1,789 |
| Noninterest expense to average assets | 3.5267% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0025% | 2,829 |
| Return on assets (ROA) | 1.0025% | 2,871 |
| Pretax return on assets | 1.4351% | 1,973 |
| Return on Equity (ROE) | 7.6675% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.6675% | 1,783 |
| Net charge-offs to loans | -0.0275% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0771% | 2,173 |
| Assets per employee ($millions) | 4.8432% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 4,664 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.4441% | 427 |
| Net loans and leases to deposits | 97.2445% | 867 |
| Net loans and leases to core deposits | 120.2513% | 522 |
| Total domestic deposits to total assets | 85.8085% | 2,361 |
| Equity capital to assets | 13.5347% | 1,196 |
| Core capital (leverage) ratio | 13.1428% | 1,207 |
| Tier 1 risk-based capital ratio | 16.3025% | 2,337 |
| Total risk-based capital ratio | 17.5531% | 2,282 |
| Memoranda: | ||
| Average total assets | $337,542,500 | 1,987 |
| Average earning assets | $326,880,000 | 1,935 |
| Average equity | $44,134,500 | 1,776 |
| Average total loans | $276,474,000 | 1,735 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 973 |
| Cost of funding earning assets | 0.6590% | 2,330 |
| Net interest margin | 4.3757% | 991 |
| Noninterest income to average assets | 0.9661% | 1,023 |
| Noninterest expense to average assets | 3.4643% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2047% | 2,152 |
| Return on assets (ROA) | 1.2047% | 2,142 |
| Pretax return on assets | 1.7277% | 1,100 |
| Return on Equity (ROE) | 9.5966% | 2,693 |
| Retained earnings to average equity (ytd only) | 9.5966% | 710 |
| Net charge-offs to loans | 0.0745% | 2,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 29.8325% | 1,610 |
| Efficiency ratio | 66.7231% | 2,745 |
| Assets per employee ($millions) | 5.0845% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 4,689 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.4764% | 1,186 |
| Net loans and leases to deposits | 90.4671% | 1,737 |
| Net loans and leases to core deposits | 109.6359% | 1,026 |
| Total domestic deposits to total assets | 86.7458% | 1,896 |
| Equity capital to assets | 12.6376% | 1,518 |
| Core capital (leverage) ratio | 12.5452% | 1,433 |
| Tier 1 risk-based capital ratio | 16.2481% | 2,323 |
| Total risk-based capital ratio | 17.4989% | 2,268 |
| Memoranda: | ||
| Average total assets | $329,793,400 | 1,992 |
| Average earning assets | $318,508,000 | 1,935 |
| Average equity | $41,400,200 | 1,802 |
| Average total loans | $256,481,200 | 1,793 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 1,151 |
| Cost of funding earning assets | 0.6009% | 2,469 |
| Net interest margin | 4.3009% | 1,109 |
| Noninterest income to average assets | 1.0157% | 929 |
| Noninterest expense to average assets | 3.5427% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1385% | 2,499 |
| Return on assets (ROA) | 1.1385% | 2,512 |
| Pretax return on assets | 1.6263% | 1,497 |
| Return on Equity (ROE) | 9.0853% | 3,043 |
| Retained earnings to average equity (ytd only) | 9.0853% | 1,185 |
| Net charge-offs to loans | 0.1270% | 1,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.5584% | 2,159 |
| Efficiency ratio | 68.5377% | 2,433 |
| Assets per employee ($millions) | 5.1211% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,256 |
| Loan loss allowance to noncurrent loans | 4,028.9157% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,864 |
| Noncurrent loans to loans | 0.0315% | 4,750 |
| Net loans and leases to total assets | 75.7656% | 1,693 |
| Net loans and leases to deposits | 87.0254% | 2,259 |
| Net loans and leases to core deposits | 104.6874% | 1,404 |
| Total domestic deposits to total assets | 87.0615% | 1,702 |
| Equity capital to assets | 12.3719% | 1,663 |
| Core capital (leverage) ratio | 12.6353% | 1,444 |
| Tier 1 risk-based capital ratio | 15.7622% | 2,540 |
| Total risk-based capital ratio | 17.0131% | 2,480 |
| Memoranda: | ||
| Average total assets | $325,805,250 | 2,024 |
| Average earning assets | $314,624,500 | 1,958 |
| Average equity | $40,826,750 | 1,826 |
| Average total loans | $251,921,000 | 1,819 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 1,140 |
| Cost of funding earning assets | 0.5629% | 2,493 |
| Net interest margin | 4.2826% | 1,070 |
| Noninterest income to average assets | 1.0680% | 844 |
| Noninterest expense to average assets | 3.5659% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1349% | 2,459 |
| Return on assets (ROA) | 1.1349% | 2,466 |
| Pretax return on assets | 1.6342% | 1,392 |
| Return on Equity (ROE) | 9.0156% | 3,011 |
| Retained earnings to average equity (ytd only) | 9.0156% | 1,215 |
| Net charge-offs to loans | 0.2370% | 670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.8946% | 2,438 |
| Efficiency ratio | 68.5735% | 2,547 |
| Assets per employee ($millions) | 4.7792% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 2,071 |
| Loan loss allowance to noncurrent loans | 694.0928% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,260 |
| Noncurrent loans to loans | 0.1903% | 4,052 |
| Net loans and leases to total assets | 75.6292% | 1,692 |
| Net loans and leases to deposits | 87.1713% | 2,197 |
| Net loans and leases to core deposits | 106.0370% | 1,242 |
| Total domestic deposits to total assets | 86.7593% | 1,944 |
| Equity capital to assets | 12.7601% | 1,416 |
| Core capital (leverage) ratio | 12.5012% | 1,437 |
| Tier 1 risk-based capital ratio | 15.9133% | 2,469 |
| Total risk-based capital ratio | 17.1643% | 2,411 |
| Memoranda: | ||
| Average total assets | $320,035,000 | 2,065 |
| Average earning assets | $308,785,000 | 1,994 |
| Average equity | $40,285,670 | 1,848 |
| Average total loans | $248,125,330 | 1,846 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 1,285 |
| Cost of funding earning assets | 0.5209% | 2,625 |
| Net interest margin | 4.1883% | 1,199 |
| Noninterest income to average assets | 1.1614% | 682 |
| Noninterest expense to average assets | 3.6352% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1034% | 2,404 |
| Return on assets (ROA) | 1.1034% | 2,421 |
| Pretax return on assets | 1.5669% | 1,479 |
| Return on Equity (ROE) | 8.8274% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.8274% | 1,527 |
| Net charge-offs to loans | -0.0436% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8789% | 2,501 |
| Assets per employee ($millions) | 4.7154% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,573 |
| Loan loss allowance to noncurrent loans | 524.0929% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 4,007 |
| Noncurrent loans to loans | 0.2808% | 3,764 |
| Net loans and leases to total assets | 76.5141% | 1,457 |
| Net loans and leases to deposits | 90.2439% | 1,661 |
| Net loans and leases to core deposits | 111.0702% | 944 |
| Total domestic deposits to total assets | 84.7859% | 3,007 |
| Equity capital to assets | 12.7012% | 1,383 |
| Core capital (leverage) ratio | 12.7591% | 1,266 |
| Tier 1 risk-based capital ratio | 15.9740% | 2,483 |
| Total risk-based capital ratio | 17.2279% | 2,423 |
| Memoranda: | ||
| Average total assets | $317,561,000 | 2,086 |
| Average earning assets | $306,374,000 | 2,018 |
| Average equity | $39,694,500 | 1,881 |
| Average total loans | $247,652,000 | 1,867 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,969 |
| Cost of funding earning assets | 0.4048% | 3,202 |
| Net interest margin | 4.0164% | 1,703 |
| Noninterest income to average assets | 1.3753% | 553 |
| Noninterest expense to average assets | 3.5990% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0204% | 2,150 |
| Return on assets (ROA) | 1.0204% | 2,184 |
| Pretax return on assets | 1.6458% | 1,174 |
| Return on Equity (ROE) | 8.1234% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.1234% | 722 |
| Net charge-offs to loans | 0.0496% | 2,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 43.5044% | 1,196 |
| Efficiency ratio | 68.6199% | 2,774 |
| Assets per employee ($millions) | 4.6260% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,641 |
| Loan loss allowance to noncurrent loans | 490.9589% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 3,995 |
| Noncurrent loans to loans | 0.2920% | 3,736 |
| Net loans and leases to total assets | 77.1880% | 1,394 |
| Net loans and leases to deposits | 88.5478% | 1,953 |
| Net loans and leases to core deposits | 103.7084% | 1,432 |
| Total domestic deposits to total assets | 87.1710% | 1,911 |
| Equity capital to assets | 12.3004% | 1,638 |
| Core capital (leverage) ratio | 12.7164% | 1,260 |
| Tier 1 risk-based capital ratio | 15.3762% | 2,672 |
| Total risk-based capital ratio | 16.6295% | 2,609 |
| Memoranda: | ||
| Average total assets | $298,697,400 | 2,175 |
| Average earning assets | $287,768,800 | 2,111 |
| Average equity | $37,521,200 | 1,951 |
| Average total loans | $227,841,400 | 1,948 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 2,092 |
| Cost of funding earning assets | 0.3947% | 3,252 |
| Net interest margin | 3.9612% | 1,831 |
| Noninterest income to average assets | 1.4579% | 505 |
| Noninterest expense to average assets | 3.6842% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9351% | 2,853 |
| Return on assets (ROA) | 0.9351% | 2,912 |
| Pretax return on assets | 1.5891% | 1,463 |
| Return on Equity (ROE) | 7.4024% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.4024% | 1,490 |
| Net charge-offs to loans | 0.0954% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 22.0068% | 1,889 |
| Efficiency ratio | 69.8648% | 2,556 |
| Assets per employee ($millions) | 4.7900% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 1,670 |
| Loan loss allowance to noncurrent loans | 390.0772% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 3,897 |
| Noncurrent loans to loans | 0.3748% | 3,611 |
| Net loans and leases to total assets | 76.5799% | 1,487 |
| Net loans and leases to deposits | 87.8652% | 2,083 |
| Net loans and leases to core deposits | 99.2821% | 1,770 |
| Total domestic deposits to total assets | 87.1562% | 1,793 |
| Equity capital to assets | 12.2853% | 1,783 |
| Core capital (leverage) ratio | 12.5167% | 1,410 |
| Tier 1 risk-based capital ratio | 15.2006% | 2,839 |
| Total risk-based capital ratio | 16.4539% | 2,765 |
| Memoranda: | ||
| Average total assets | $293,573,750 | 2,218 |
| Average earning assets | $282,770,250 | 2,158 |
| Average equity | $37,086,000 | 1,982 |
| Average total loans | $222,311,250 | 1,989 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 2,604 |
| Cost of funding earning assets | 0.3961% | 3,117 |
| Net interest margin | 3.7697% | 2,411 |
| Noninterest income to average assets | 1.3739% | 566 |
| Noninterest expense to average assets | 3.5780% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8371% | 3,215 |
| Return on assets (ROA) | 0.8371% | 3,268 |
| Pretax return on assets | 1.4226% | 1,927 |
| Return on Equity (ROE) | 6.5617% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.5617% | 1,809 |
| Net charge-offs to loans | -0.1094% | 5,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5517% | 2,426 |
| Assets per employee ($millions) | 4.7298% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 1,236 |
| Loan loss allowance to noncurrent loans | 395.3368% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 3,906 |
| Noncurrent loans to loans | 0.4076% | 3,563 |
| Net loans and leases to total assets | 73.4988% | 1,964 |
| Net loans and leases to deposits | 83.7224% | 2,520 |
| Net loans and leases to core deposits | 93.0086% | 2,245 |
| Total domestic deposits to total assets | 87.7887% | 1,573 |
| Equity capital to assets | 11.7907% | 2,081 |
| Core capital (leverage) ratio | 12.7665% | 1,268 |
| Tier 1 risk-based capital ratio | 15.3842% | 2,759 |
| Total risk-based capital ratio | 16.6400% | 2,695 |
| Memoranda: | ||
| Average total assets | $287,649,000 | 2,255 |
| Average earning assets | $276,732,670 | 2,190 |
| Average equity | $36,698,000 | 1,991 |
| Average total loans | $215,759,000 | 2,042 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 2,754 |
| Cost of funding earning assets | 0.3829% | 3,175 |
| Net interest margin | 3.6907% | 2,514 |
| Noninterest income to average assets | 1.4021% | 543 |
| Noninterest expense to average assets | 3.7183% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7311% | 3,554 |
| Return on assets (ROA) | 0.7311% | 3,603 |
| Pretax return on assets | 1.2424% | 2,442 |
| Return on Equity (ROE) | 5.4888% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.4888% | 2,606 |
| Net charge-offs to loans | -0.0974% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9557% | 2,074 |
| Assets per employee ($millions) | 4.3529% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 977 |
| Loan loss allowance to noncurrent loans | 528.4908% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 4,205 |
| Noncurrent loans to loans | 0.3382% | 3,887 |
| Net loans and leases to total assets | 72.7680% | 1,950 |
| Net loans and leases to deposits | 83.8922% | 2,294 |
| Net loans and leases to core deposits | 94.7452% | 1,913 |
| Total domestic deposits to total assets | 86.7399% | 2,338 |
| Equity capital to assets | 12.9459% | 1,275 |
| Core capital (leverage) ratio | 13.2836% | 1,044 |
| Tier 1 risk-based capital ratio | 16.6378% | 2,305 |
| Total risk-based capital ratio | 17.8960% | 2,263 |
| Memoranda: | ||
| Average total assets | $273,026,000 | 2,376 |
| Average earning assets | $263,257,000 | 2,294 |
| Average equity | $36,365,000 | 2,011 |
| Average total loans | $205,274,000 | 2,136 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1094% | 2,815 |
| Cost of funding earning assets | 0.3801% | 3,203 |
| Net interest margin | 3.7292% | 2,577 |
| Noninterest income to average assets | 1.6574% | 432 |
| Noninterest expense to average assets | 3.7589% | 815 |
| Loan and lease loss provision to assets | -0.2476% | 5,810 |
| Net operating income to assets | 0.9936% | 2,376 |
| Return on assets (ROA) | 0.9946% | 2,477 |
| Pretax return on assets | 1.7268% | 936 |
| Return on Equity (ROE) | 6.9465% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.9465% | 1,248 |
| Net charge-offs to loans | -0.1269% | 5,647 |
| Credit loss provision to net charge-offs | 267.8571% | 1,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7844% | 2,622 |
| Assets per employee ($millions) | 4.1764% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8401% | 887 |
| Loan loss allowance to noncurrent loans | 508.5282% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 4,173 |
| Noncurrent loans to loans | 0.3618% | 3,832 |
| Net loans and leases to total assets | 74.9545% | 1,701 |
| Net loans and leases to deposits | 87.3889% | 2,003 |
| Net loans and leases to core deposits | 97.7057% | 1,785 |
| Total domestic deposits to total assets | 85.7711% | 2,691 |
| Equity capital to assets | 13.7207% | 975 |
| Core capital (leverage) ratio | 13.6622% | 912 |
| Tier 1 risk-based capital ratio | 16.9586% | 2,171 |
| Total risk-based capital ratio | 18.2191% | 2,119 |
| Memoranda: | ||
| Average total assets | $242,304,000 | 2,562 |
| Average earning assets | $232,542,000 | 2,495 |
| Average equity | $34,693,600 | 2,093 |
| Average total loans | $176,558,000 | 2,347 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 2,675 |
| Cost of funding earning assets | 0.3858% | 3,166 |
| Net interest margin | 3.7663% | 2,466 |
| Noninterest income to average assets | 1.6336% | 458 |
| Noninterest expense to average assets | 3.7373% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8876% | 2,965 |
| Return on assets (ROA) | 0.8890% | 3,098 |
| Pretax return on assets | 1.5104% | 1,679 |
| Return on Equity (ROE) | 6.1382% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.1382% | 2,102 |
| Net charge-offs to loans | -0.1564% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2479% | 2,690 |
| Assets per employee ($millions) | 4.1366% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3750% | 394 |
| Loan loss allowance to noncurrent loans | 568.9747% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,135 |
| Noncurrent loans to loans | 0.4174% | 3,783 |
| Net loans and leases to total assets | 74.4915% | 1,790 |
| Net loans and leases to deposits | 88.0906% | 2,005 |
| Net loans and leases to core deposits | 98.7435% | 1,747 |
| Total domestic deposits to total assets | 84.5624% | 3,007 |
| Equity capital to assets | 14.9541% | 750 |
| Core capital (leverage) ratio | 13.9435% | 868 |
| Tier 1 risk-based capital ratio | 17.7007% | 2,005 |
| Total risk-based capital ratio | 18.9693% | 1,956 |
| Memoranda: | ||
| Average total assets | $237,101,750 | 2,613 |
| Average earning assets | $227,379,750 | 2,544 |
| Average equity | $34,341,750 | 2,130 |
| Average total loans | $170,469,500 | 2,412 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 3,853 |
| Cost of funding earning assets | 0.3757% | 3,296 |
| Net interest margin | 3.4529% | 3,668 |
| Noninterest income to average assets | 1.7572% | 415 |
| Noninterest expense to average assets | 3.7122% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7986% | 3,318 |
| Return on assets (ROA) | 0.8007% | 3,444 |
| Pretax return on assets | 1.3606% | 2,162 |
| Return on Equity (ROE) | 5.5883% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.5883% | 2,369 |
| Net charge-offs to loans | -0.2116% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2270% | 2,477 |
| Assets per employee ($millions) | 4.1437% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4489% | 385 |
| Loan loss allowance to noncurrent loans | 387.4202% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 3,719 |
| Noncurrent loans to loans | 0.6321% | 3,187 |
| Net loans and leases to total assets | 69.2485% | 2,597 |
| Net loans and leases to deposits | 81.0413% | 2,812 |
| Net loans and leases to core deposits | 92.5125% | 2,309 |
| Total domestic deposits to total assets | 85.4485% | 2,665 |
| Equity capital to assets | 14.1511% | 975 |
| Core capital (leverage) ratio | 14.4901% | 713 |
| Tier 1 risk-based capital ratio | 18.0181% | 1,928 |
| Total risk-based capital ratio | 19.2896% | 1,889 |
| Memoranda: | ||
| Average total assets | $237,539,670 | 2,622 |
| Average earning assets | $227,865,000 | 2,556 |
| Average equity | $34,035,670 | 2,147 |
| Average total loans | $167,321,000 | 2,446 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 4,073 |
| Cost of funding earning assets | 0.3957% | 3,124 |
| Net interest margin | 3.3705% | 3,977 |
| Noninterest income to average assets | 1.7550% | 407 |
| Noninterest expense to average assets | 3.7493% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7263% | 3,590 |
| Return on assets (ROA) | 0.7263% | 3,701 |
| Pretax return on assets | 1.2372% | 2,547 |
| Return on Equity (ROE) | 5.0362% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.0362% | 2,917 |
| Net charge-offs to loans | -0.0609% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1885% | 2,299 |
| Assets per employee ($millions) | 3.9951% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4484% | 412 |
| Loan loss allowance to noncurrent loans | 357.2799% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 3,653 |
| Noncurrent loans to loans | 0.6853% | 3,132 |
| Net loans and leases to total assets | 69.2703% | 2,462 |
| Net loans and leases to deposits | 81.2750% | 2,638 |
| Net loans and leases to core deposits | 87.6751% | 2,594 |
| Total domestic deposits to total assets | 85.2295% | 3,029 |
| Equity capital to assets | 14.4341% | 848 |
| Core capital (leverage) ratio | 13.7032% | 908 |
| Tier 1 risk-based capital ratio | 18.3702% | 1,891 |
| Total risk-based capital ratio | 19.6424% | 1,840 |
| Memoranda: | ||
| Average total assets | $234,071,500 | 2,658 |
| Average earning assets | $224,416,500 | 2,588 |
| Average equity | $33,755,500 | 2,159 |
| Average total loans | $164,208,500 | 2,475 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 3,515 |
| Cost of funding earning assets | 0.4436% | 2,696 |
| Net interest margin | 3.5089% | 3,491 |
| Noninterest income to average assets | 1.5536% | 518 |
| Noninterest expense to average assets | 3.8190% | 845 |
| Loan and lease loss provision to assets | -0.8512% | 6,167 |
| Net operating income to assets | 1.1114% | 1,869 |
| Return on assets (ROA) | 1.1117% | 1,934 |
| Pretax return on assets | 1.9272% | 628 |
| Return on Equity (ROE) | 7.4593% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.4593% | 1,109 |
| Net charge-offs to loans | -0.2348% | 5,978 |
| Credit loss provision to net charge-offs | 530.4348% | 619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0270% | 1,964 |
| Assets per employee ($millions) | 3.8103% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5292% | 382 |
| Loan loss allowance to noncurrent loans | 344.8772% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 3,612 |
| Noncurrent loans to loans | 0.7334% | 2,980 |
| Net loans and leases to total assets | 67.5330% | 2,780 |
| Net loans and leases to deposits | 79.4191% | 2,892 |
| Net loans and leases to core deposits | 86.3785% | 2,768 |
| Total domestic deposits to total assets | 85.0338% | 3,076 |
| Equity capital to assets | 14.4078% | 796 |
| Core capital (leverage) ratio | 13.0265% | 1,141 |
| Tier 1 risk-based capital ratio | 18.9891% | 1,704 |
| Total risk-based capital ratio | 20.2669% | 1,657 |
| Memoranda: | ||
| Average total assets | $214,979,800 | 2,788 |
| Average earning assets | $204,677,800 | 2,734 |
| Average equity | $32,040,400 | 2,198 |
| Average total loans | $146,920,200 | 2,639 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,199 |
| Cost of funding earning assets | 0.4422% | 2,768 |
| Net interest margin | 3.5902% | 3,200 |
| Noninterest income to average assets | 1.6541% | 472 |
| Noninterest expense to average assets | 3.7615% | 894 |
| Loan and lease loss provision to assets | -0.3355% | 6,165 |
| Net operating income to assets | 0.9654% | 2,642 |
| Return on assets (ROA) | 0.9654% | 2,731 |
| Pretax return on assets | 1.6408% | 1,265 |
| Return on Equity (ROE) | 6.4185% | 3,952 |
| Retained earnings to average equity (ytd only) | 6.4185% | 2,008 |
| Net charge-offs to loans | -0.6686% | 6,179 |
| Credit loss provision to net charge-offs | 73.7135% | 2,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2379% | 2,514 |
| Assets per employee ($millions) | 4.1141% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7745% | 111 |
| Loan loss allowance to noncurrent loans | 332.9085% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 3,067 |
| Noncurrent loans to loans | 1.1338% | 2,241 |
| Net loans and leases to total assets | 62.4667% | 3,541 |
| Net loans and leases to deposits | 72.9993% | 3,652 |
| Net loans and leases to core deposits | 79.9968% | 3,428 |
| Total domestic deposits to total assets | 85.5717% | 2,749 |
| Equity capital to assets | 13.9175% | 1,056 |
| Core capital (leverage) ratio | 13.5086% | 1,014 |
| Tier 1 risk-based capital ratio | 19.3086% | 1,704 |
| Total risk-based capital ratio | 20.6031% | 1,665 |
| Memoranda: | ||
| Average total assets | $210,617,250 | 2,859 |
| Average earning assets | $200,209,000 | 2,798 |
| Average equity | $31,678,500 | 2,235 |
| Average total loans | $143,390,250 | 2,706 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 3,746 |
| Cost of funding earning assets | 0.4559% | 2,651 |
| Net interest margin | 3.4296% | 3,789 |
| Noninterest income to average assets | 1.8741% | 405 |
| Noninterest expense to average assets | 3.7670% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8004% | 3,385 |
| Return on assets (ROA) | 0.8004% | 3,477 |
| Pretax return on assets | 1.3590% | 2,149 |
| Return on Equity (ROE) | 5.1724% | 4,538 |
| Retained earnings to average equity (ytd only) | 5.1724% | 2,750 |
| Net charge-offs to loans | -0.2691% | 6,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4886% | 2,754 |
| Assets per employee ($millions) | 4.0540% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7321% | 135 |
| Loan loss allowance to noncurrent loans | 324.6328% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 2,959 |
| Noncurrent loans to loans | 1.1496% | 2,351 |
| Net loans and leases to total assets | 67.7051% | 2,688 |
| Net loans and leases to deposits | 79.6800% | 2,832 |
| Net loans and leases to core deposits | 87.4797% | 2,611 |
| Total domestic deposits to total assets | 84.9713% | 3,135 |
| Equity capital to assets | 14.5135% | 810 |
| Core capital (leverage) ratio | 13.7650% | 914 |
| Tier 1 risk-based capital ratio | 18.0523% | 2,050 |
| Total risk-based capital ratio | 19.3502% | 1,996 |
| Memoranda: | ||
| Average total assets | $202,655,000 | 2,966 |
| Average earning assets | $192,150,670 | 2,913 |
| Average equity | $31,359,000 | 2,256 |
| Average total loans | $140,442,670 | 2,745 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 3,205 |
| Cost of funding earning assets | 0.4657% | 2,606 |
| Net interest margin | 3.5425% | 3,251 |
| Noninterest income to average assets | 2.0337% | 363 |
| Noninterest expense to average assets | 3.9275% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8554% | 2,986 |
| Return on assets (ROA) | 0.8554% | 3,104 |
| Pretax return on assets | 1.4538% | 1,714 |
| Return on Equity (ROE) | 5.3415% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.3415% | 2,870 |
| Net charge-offs to loans | -0.1556% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9843% | 2,991 |
| Assets per employee ($millions) | 4.0642% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2371% | 106 |
| Loan loss allowance to noncurrent loans | 308.7507% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 2,813 |
| Noncurrent loans to loans | 1.3723% | 2,095 |
| Net loans and leases to total assets | 63.6682% | 3,139 |
| Net loans and leases to deposits | 76.0230% | 3,051 |
| Net loans and leases to core deposits | 85.0434% | 2,652 |
| Total domestic deposits to total assets | 83.7485% | 3,909 |
| Equity capital to assets | 15.7885% | 569 |
| Core capital (leverage) ratio | 14.5469% | 681 |
| Tier 1 risk-based capital ratio | 20.9711% | 1,431 |
| Total risk-based capital ratio | 22.2786% | 1,396 |
| Memoranda: | ||
| Average total assets | $194,525,500 | 3,065 |
| Average earning assets | $183,825,000 | 3,014 |
| Average equity | $31,152,500 | 2,286 |
| Average total loans | $133,683,000 | 2,853 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 3,749 |
| Cost of funding earning assets | 0.4873% | 2,808 |
| Net interest margin | 3.5074% | 3,764 |
| Noninterest income to average assets | 1.5893% | 501 |
| Noninterest expense to average assets | 4.1086% | 679 |
| Loan and lease loss provision to assets | -0.5660% | 6,456 |
| Net operating income to assets | 4.1595% | 54 |
| Return on assets (ROA) | 4.1595% | 54 |
| Pretax return on assets | 1.4116% | 1,848 |
| Return on Equity (ROE) | 29.4975% | 61 |
| Retained earnings to average equity (ytd only) | 29.4975% | 25 |
| Net charge-offs to loans | -0.2124% | 6,276 |
| Credit loss provision to net charge-offs | 384.6154% | 679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9316% | 1,537 |
| Assets per employee ($millions) | 3.7981% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1174% | 123 |
| Loan loss allowance to noncurrent loans | 276.6053% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 2,635 |
| Noncurrent loans to loans | 1.4885% | 1,970 |
| Net loans and leases to total assets | 68.1427% | 2,538 |
| Net loans and leases to deposits | 81.9063% | 2,485 |
| Net loans and leases to core deposits | 90.3340% | 2,243 |
| Total domestic deposits to total assets | 83.1959% | 4,007 |
| Equity capital to assets | 16.2517% | 507 |
| Core capital (leverage) ratio | 15.1070% | 590 |
| Tier 1 risk-based capital ratio | 20.8761% | 1,429 |
| Total risk-based capital ratio | 22.1641% | 1,395 |
| Memoranda: | ||
| Average total assets | $176,679,800 | 3,246 |
| Average earning assets | $169,499,400 | 3,162 |
| Average equity | $24,914,000 | 2,673 |
| Average total loans | $122,434,000 | 2,991 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,821 |
| Cost of funding earning assets | 0.4864% | 2,894 |
| Net interest margin | 3.4967% | 3,848 |
| Noninterest income to average assets | 1.7403% | 428 |
| Noninterest expense to average assets | 4.0551% | 717 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0497% | 2,237 |
| Return on assets (ROA) | 1.0497% | 2,298 |
| Pretax return on assets | 1.0574% | 3,352 |
| Return on Equity (ROE) | 7.7687% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.7687% | 1,460 |
| Net charge-offs to loans | -0.2425% | 6,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3171% | 2,007 |
| Assets per employee ($millions) | 3.8040% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9216% | 88 |
| Loan loss allowance to noncurrent loans | 230.6657% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 2,032 |
| Noncurrent loans to loans | 2.1337% | 1,453 |
| Net loans and leases to total assets | 67.5115% | 2,609 |
| Net loans and leases to deposits | 78.1756% | 2,932 |
| Net loans and leases to core deposits | 84.6792% | 2,815 |
| Total domestic deposits to total assets | 86.3588% | 2,666 |
| Equity capital to assets | 13.1037% | 1,378 |
| Core capital (leverage) ratio | 14.3344% | 760 |
| Tier 1 risk-based capital ratio | 20.3719% | 1,581 |
| Total risk-based capital ratio | 21.6727% | 1,535 |
| Memoranda: | ||
| Average total assets | $173,373,250 | 3,322 |
| Average earning assets | $167,200,250 | 3,219 |
| Average equity | $23,426,750 | 2,814 |
| Average total loans | $119,301,500 | 3,070 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0752% | 3,442 |
| Cost of funding earning assets | 0.4916% | 2,913 |
| Net interest margin | 3.5837% | 3,431 |
| Noninterest income to average assets | 1.6979% | 447 |
| Noninterest expense to average assets | 4.0904% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0460% | 2,135 |
| Return on assets (ROA) | 1.0460% | 2,201 |
| Pretax return on assets | 1.0578% | 3,247 |
| Return on Equity (ROE) | 7.6557% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.6557% | 1,452 |
| Net charge-offs to loans | -0.2975% | 6,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4530% | 2,100 |
| Assets per employee ($millions) | 3.4452% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3411% | 71 |
| Loan loss allowance to noncurrent loans | 221.2453% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 1.7315% | 1,880 |
| Noncurrent loans to loans | 2.4141% | 1,301 |
| Net loans and leases to total assets | 67.8917% | 2,426 |
| Net loans and leases to deposits | 79.6337% | 2,572 |
| Net loans and leases to core deposits | 83.5742% | 2,783 |
| Total domestic deposits to total assets | 85.2550% | 3,385 |
| Equity capital to assets | 14.2113% | 896 |
| Core capital (leverage) ratio | 14.7194% | 649 |
| Tier 1 risk-based capital ratio | 21.8676% | 1,278 |
| Total risk-based capital ratio | 23.1707% | 1,247 |
| Memoranda: | ||
| Average total assets | $169,031,670 | 3,394 |
| Average earning assets | $162,738,670 | 3,283 |
| Average equity | $23,094,000 | 2,841 |
| Average total loans | $114,950,670 | 3,155 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 4,930 |
| Cost of funding earning assets | 0.4891% | 3,021 |
| Net interest margin | 3.1854% | 4,970 |
| Noninterest income to average assets | 1.6744% | 446 |
| Noninterest expense to average assets | 3.9447% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7710% | 3,303 |
| Return on assets (ROA) | 0.7710% | 3,385 |
| Pretax return on assets | 0.7946% | 4,135 |
| Return on Equity (ROE) | 5.7583% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.7583% | 2,665 |
| Net charge-offs to loans | -0.2503% | 6,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2335% | 1,761 |
| Assets per employee ($millions) | 3.7379% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5837% | 70 |
| Loan loss allowance to noncurrent loans | 181.4477% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 2.0408% | 1,662 |
| Noncurrent loans to loans | 3.0773% | 1,024 |
| Net loans and leases to total assets | 62.6144% | 3,138 |
| Net loans and leases to deposits | 72.6987% | 3,247 |
| Net loans and leases to core deposits | 76.5149% | 3,360 |
| Total domestic deposits to total assets | 86.1285% | 3,295 |
| Equity capital to assets | 13.4196% | 1,129 |
| Core capital (leverage) ratio | 14.3347% | 726 |
| Tier 1 risk-based capital ratio | 22.5209% | 1,208 |
| Total risk-based capital ratio | 23.8302% | 1,175 |
| Memoranda: | ||
| Average total assets | $169,139,500 | 3,421 |
| Average earning assets | $162,741,000 | 3,311 |
| Average equity | $22,645,500 | 2,875 |
| Average total loans | $111,886,500 | 3,223 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5676% | 5,488 |
| Cost of funding earning assets | 0.5767% | 2,866 |
| Net interest margin | 2.9909% | 5,598 |
| Noninterest income to average assets | 0.9715% | 1,457 |
| Noninterest expense to average assets | 3.6028% | 1,439 |
| Loan and lease loss provision to assets | -0.4094% | 6,718 |
| Net operating income to assets | 0.6476% | 4,042 |
| Return on assets (ROA) | 0.6515% | 4,130 |
| Pretax return on assets | 0.6726% | 4,626 |
| Return on Equity (ROE) | 5.0111% | 4,627 |
| Retained earnings to average equity (ytd only) | 5.0111% | 2,588 |
| Net charge-offs to loans | -1.4578% | 6,765 |
| Credit loss provision to net charge-offs | 48.2426% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2909% | 787 |
| Assets per employee ($millions) | 3.7804% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7378% | 52 |
| Loan loss allowance to noncurrent loans | 172.3317% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 1,628 |
| Noncurrent loans to loans | 3.3295% | 978 |
| Net loans and leases to total assets | 62.1922% | 3,327 |
| Net loans and leases to deposits | 72.2786% | 3,488 |
| Net loans and leases to core deposits | 76.7840% | 3,517 |
| Total domestic deposits to total assets | 86.0451% | 3,239 |
| Equity capital to assets | 13.3567% | 1,118 |
| Core capital (leverage) ratio | 14.4112% | 711 |
| Tier 1 risk-based capital ratio | 24.2734% | 926 |
| Total risk-based capital ratio | 25.5889% | 906 |
| Memoranda: | ||
| Average total assets | $170,977,000 | 3,394 |
| Average earning assets | $165,237,000 | 3,277 |
| Average equity | $22,230,600 | 2,901 |
| Average total loans | $99,530,200 | 3,457 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 5,917 |
| Cost of funding earning assets | 0.5983% | 2,819 |
| Net interest margin | 2.7852% | 6,039 |
| Noninterest income to average assets | 1.0271% | 1,379 |
| Noninterest expense to average assets | 3.3941% | 1,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3101% | 5,585 |
| Return on assets (ROA) | 0.3152% | 5,680 |
| Pretax return on assets | 0.3354% | 5,786 |
| Return on Equity (ROE) | 2.4406% | 5,811 |
| Retained earnings to average equity (ytd only) | 2.4406% | 4,867 |
| Net charge-offs to loans | 0.0385% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.2154% | 1,882 |
| Efficiency ratio | 91.1398% | 910 |
| Assets per employee ($millions) | 3.6334% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4838% | 81 |
| Loan loss allowance to noncurrent loans | 82.7410% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 4.1715% | 742 |
| Noncurrent loans to loans | 6.6276% | 336 |
| Net loans and leases to total assets | 59.4892% | 3,778 |
| Net loans and leases to deposits | 69.5428% | 3,848 |
| Net loans and leases to core deposits | 74.7812% | 3,760 |
| Total domestic deposits to total assets | 85.5433% | 3,472 |
| Equity capital to assets | 13.6760% | 1,059 |
| Core capital (leverage) ratio | 14.2085% | 816 |
| Tier 1 risk-based capital ratio | 24.1521% | 975 |
| Total risk-based capital ratio | 25.4594% | 951 |
| Memoranda: | ||
| Average total assets | $172,137,250 | 3,402 |
| Average earning assets | $166,686,750 | 3,291 |
| Average equity | $22,234,000 | 2,934 |
| Average total loans | $96,976,500 | 3,552 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1538% | 6,287 |
| Cost of funding earning assets | 0.6198% | 2,773 |
| Net interest margin | 2.5341% | 6,408 |
| Noninterest income to average assets | 1.2132% | 1,041 |
| Noninterest expense to average assets | 3.2856% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3591% | 5,366 |
| Return on assets (ROA) | 0.3666% | 5,517 |
| Pretax return on assets | 0.3904% | 5,659 |
| Return on Equity (ROE) | 2.8894% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.8894% | 4,473 |
| Net charge-offs to loans | 0.3321% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.1195% | 3,814 |
| Efficiency ratio | 89.5730% | 1,080 |
| Assets per employee ($millions) | 4.4419% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4534% | 87 |
| Loan loss allowance to noncurrent loans | 75.8198% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 4.4432% | 743 |
| Noncurrent loans to loans | 7.1925% | 324 |
| Net loans and leases to total assets | 58.4064% | 3,921 |
| Net loans and leases to deposits | 68.0377% | 4,008 |
| Net loans and leases to core deposits | 72.3933% | 3,997 |
| Total domestic deposits to total assets | 85.8443% | 3,448 |
| Equity capital to assets | 13.7130% | 1,048 |
| Core capital (leverage) ratio | 13.5440% | 959 |
| Tier 1 risk-based capital ratio | 24.3026% | 963 |
| Total risk-based capital ratio | 25.6090% | 937 |
| Memoranda: | ||
| Average total assets | $176,226,000 | 3,356 |
| Average earning assets | $170,713,330 | 3,244 |
| Average equity | $22,357,330 | 2,947 |
| Average total loans | $95,760,670 | 3,598 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9637% | 6,551 |
| Cost of funding earning assets | 0.6379% | 2,763 |
| Net interest margin | 2.3257% | 6,671 |
| Noninterest income to average assets | 1.1606% | 1,111 |
| Noninterest expense to average assets | 3.1738% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2408% | 5,757 |
| Return on assets (ROA) | 0.2430% | 5,871 |
| Pretax return on assets | 0.2430% | 5,979 |
| Return on Equity (ROE) | 1.9848% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.9848% | 5,010 |
| Net charge-offs to loans | 0.0934% | 2,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.0455% | 2,419 |
| Efficiency ratio | 92.9479% | 910 |
| Assets per employee ($millions) | 4.4050% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7419% | 89 |
| Loan loss allowance to noncurrent loans | 73.1849% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 4.1793% | 924 |
| Noncurrent loans to loans | 7.8457% | 343 |
| Net loans and leases to total assets | 50.2101% | 4,964 |
| Net loans and leases to deposits | 57.7233% | 5,072 |
| Net loans and leases to core deposits | 61.7394% | 4,975 |
| Total domestic deposits to total assets | 86.9842% | 2,968 |
| Equity capital to assets | 12.5197% | 1,700 |
| Core capital (leverage) ratio | 12.2053% | 1,459 |
| Tier 1 risk-based capital ratio | 23.3673% | 1,099 |
| Total risk-based capital ratio | 24.6732% | 1,072 |
| Memoranda: | ||
| Average total assets | $184,385,500 | 3,301 |
| Average earning assets | $178,698,500 | 3,166 |
| Average equity | $22,572,000 | 2,973 |
| Average total loans | $94,249,500 | 3,644 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1257% | 6,709 |
| Cost of funding earning assets | 0.7873% | 2,762 |
| Net interest margin | 2.3384% | 6,818 |
| Noninterest income to average assets | 0.7453% | 2,519 |
| Noninterest expense to average assets | 3.2519% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2378% | 6,401 |
| Return on assets (ROA) | 0.0388% | 6,246 |
| Pretax return on assets | 0.0431% | 6,228 |
| Return on Equity (ROE) | 0.3314% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.3314% | 5,686 |
| Net charge-offs to loans | 0.8690% | 1,317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.6057% | 5,695 |
| Efficiency ratio | 108.8448% | 351 |
| Assets per employee ($millions) | 4.4802% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0091% | 69 |
| Loan loss allowance to noncurrent loans | 84.3242% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 3.4953% | 1,299 |
| Noncurrent loans to loans | 7.1261% | 442 |
| Net loans and leases to total assets | 46.1014% | 5,603 |
| Net loans and leases to deposits | 52.7558% | 5,755 |
| Net loans and leases to core deposits | 56.3617% | 5,688 |
| Total domestic deposits to total assets | 87.3863% | 2,585 |
| Equity capital to assets | 11.9749% | 2,061 |
| Core capital (leverage) ratio | 12.0791% | 1,524 |
| Tier 1 risk-based capital ratio | 24.8189% | 872 |
| Total risk-based capital ratio | 26.1302% | 857 |
| Memoranda: | ||
| Average total assets | $185,427,400 | 3,234 |
| Average earning assets | $177,814,200 | 3,121 |
| Average equity | $21,726,600 | 3,008 |
| Average total loans | $93,099,000 | 3,672 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2518% | 6,759 |
| Cost of funding earning assets | 0.8214% | 2,760 |
| Net interest margin | 2.4303% | 6,872 |
| Noninterest income to average assets | 0.4936% | 3,968 |
| Noninterest expense to average assets | 3.2361% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4251% | 6,659 |
| Return on assets (ROA) | -0.0152% | 6,423 |
| Pretax return on assets | -0.0094% | 6,402 |
| Return on Equity (ROE) | -0.1301% | 6,421 |
| Retained earnings to average equity (ytd only) | -0.1301% | 6,107 |
| Net charge-offs to loans | 0.5545% | 1,942 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.4974% | 5,616 |
| Efficiency ratio | 114.8860% | 237 |
| Assets per employee ($millions) | 4.2435% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2758% | 61 |
| Loan loss allowance to noncurrent loans | 49.3426% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 6.6685% | 549 |
| Noncurrent loans to loans | 12.7188% | 149 |
| Net loans and leases to total assets | 47.7273% | 5,583 |
| Net loans and leases to deposits | 54.6052% | 5,756 |
| Net loans and leases to core deposits | 58.6942% | 5,688 |
| Total domestic deposits to total assets | 87.4042% | 2,420 |
| Equity capital to assets | 12.0201% | 2,241 |
| Core capital (leverage) ratio | 11.9153% | 1,709 |
| Tier 1 risk-based capital ratio | 24.5221% | 950 |
| Total risk-based capital ratio | 25.8385% | 938 |
| Memoranda: | ||
| Average total assets | $184,742,250 | 3,276 |
| Average earning assets | $176,596,500 | 3,178 |
| Average equity | $21,525,000 | 3,059 |
| Average total loans | $93,300,250 | 3,707 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 6,848 |
| Cost of funding earning assets | 0.8625% | 2,711 |
| Net interest margin | 2.3795% | 6,971 |
| Noninterest income to average assets | 0.4922% | 3,967 |
| Noninterest expense to average assets | 3.2746% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.4730% | 6,719 |
| Return on assets (ROA) | 0.0837% | 6,340 |
| Pretax return on assets | 0.0923% | 6,339 |
| Return on Equity (ROE) | 0.7258% | 6,348 |
| Retained earnings to average equity (ytd only) | 0.7258% | 5,770 |
| Net charge-offs to loans | 5.1215% | 58 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.2013% | 5,162 |
| Efficiency ratio | 118.8486% | 236 |
| Assets per employee ($millions) | 4.4163% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3600% | 260 |
| Loan loss allowance to noncurrent loans | 28.9612% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 7.9435% | 433 |
| Noncurrent loans to loans | 15.0547% | 99 |
| Net loans and leases to total assets | 47.0796% | 5,709 |
| Net loans and leases to deposits | 54.1372% | 5,851 |
| Net loans and leases to core deposits | 58.1716% | 5,761 |
| Total domestic deposits to total assets | 86.9634% | 2,787 |
| Equity capital to assets | 12.1422% | 2,036 |
| Core capital (leverage) ratio | 12.1067% | 1,548 |
| Tier 1 risk-based capital ratio | 23.9996% | 1,011 |
| Total risk-based capital ratio | 25.2876% | 988 |
| Memoranda: | ||
| Average total assets | $184,085,330 | 3,294 |
| Average earning assets | $175,080,670 | 3,204 |
| Average equity | $21,219,000 | 3,087 |
| Average total loans | $92,707,000 | 3,738 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 6,739 |
| Cost of funding earning assets | 0.8762% | 2,861 |
| Net interest margin | 2.5902% | 6,880 |
| Noninterest income to average assets | 0.4428% | 4,348 |
| Noninterest expense to average assets | 3.1148% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1810% | 6,614 |
| Return on assets (ROA) | -0.1810% | 6,670 |
| Pretax return on assets | -0.1701% | 6,645 |
| Return on Equity (ROE) | -1.6142% | 6,660 |
| Retained earnings to average equity (ytd only) | -1.6142% | 6,232 |
| Net charge-offs to loans | 1.7943% | 528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.1862% | 4,432 |
| Efficiency ratio | 105.7778% | 412 |
| Assets per employee ($millions) | 4.9086% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4663% | 59 |
| Loan loss allowance to noncurrent loans | 48.3900% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 6.5765% | 679 |
| Noncurrent loans to loans | 13.3629% | 157 |
| Net loans and leases to total assets | 46.0322% | 5,777 |
| Net loans and leases to deposits | 51.9985% | 5,969 |
| Net loans and leases to core deposits | 55.7751% | 5,923 |
| Total domestic deposits to total assets | 88.5261% | 1,996 |
| Equity capital to assets | 11.0000% | 2,908 |
| Core capital (leverage) ratio | 11.2164% | 2,100 |
| Tier 1 risk-based capital ratio | 23.0538% | 1,127 |
| Total risk-based capital ratio | 24.3727% | 1,098 |
| Memoranda: | ||
| Average total assets | $183,385,000 | 3,329 |
| Average earning assets | $177,131,500 | 3,191 |
| Average equity | $20,567,500 | 3,156 |
| Average total loans | $93,407,000 | 3,746 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6100% | 6,928 |
| Cost of funding earning assets | 1.0429% | 3,077 |
| Net interest margin | 2.5672% | 7,019 |
| Noninterest income to average assets | 0.8929% | 1,696 |
| Noninterest expense to average assets | 3.1907% | 2,900 |
| Loan and lease loss provision to assets | -0.0046% | 7,210 |
| Net operating income to assets | 0.2044% | 5,579 |
| Return on assets (ROA) | 0.2085% | 5,698 |
| Pretax return on assets | 0.1796% | 5,834 |
| Return on Equity (ROE) | 2.0845% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.0845% | 4,729 |
| Net charge-offs to loans | 2.5397% | 457 |
| Credit loss provision to net charge-offs | -0.3524% | 6,595 |
| Earnings coverage of net charge-offs (x) | 0.1296% | 5,737 |
| Efficiency ratio | 94.9179% | 868 |
| Assets per employee ($millions) | 4.5061% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6884% | 61 |
| Loan loss allowance to noncurrent loans | 47.4077% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 8.2140% | 476 |
| Noncurrent loans to loans | 14.1083% | 151 |
| Net loans and leases to total assets | 49.1894% | 5,696 |
| Net loans and leases to deposits | 55.9059% | 5,904 |
| Net loans and leases to core deposits | 60.9016% | 5,763 |
| Total domestic deposits to total assets | 87.9862% | 2,166 |
| Equity capital to assets | 11.4385% | 2,556 |
| Core capital (leverage) ratio | 11.3028% | 2,034 |
| Tier 1 risk-based capital ratio | 22.2290% | 1,205 |
| Total risk-based capital ratio | 23.5501% | 1,168 |
| Memoranda: | ||
| Average total assets | $193,749,200 | 3,135 |
| Average earning assets | $186,313,400 | 3,014 |
| Average equity | $19,381,600 | 3,232 |
| Average total loans | $100,561,200 | 3,603 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6721% | 6,957 |
| Cost of funding earning assets | 1.0695% | 3,180 |
| Net interest margin | 2.6026% | 7,072 |
| Noninterest income to average assets | 1.0112% | 1,312 |
| Noninterest expense to average assets | 3.1302% | 3,055 |
| Loan and lease loss provision to assets | -0.0061% | 7,293 |
| Net operating income to assets | 0.4275% | 4,867 |
| Return on assets (ROA) | 0.4315% | 5,048 |
| Pretax return on assets | 0.3930% | 5,492 |
| Return on Equity (ROE) | 4.4600% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.4600% | 3,548 |
| Net charge-offs to loans | 2.7020% | 384 |
| Credit loss provision to net charge-offs | -0.4356% | 6,390 |
| Earnings coverage of net charge-offs (x) | 0.2740% | 5,393 |
| Efficiency ratio | 89.1028% | 1,234 |
| Assets per employee ($millions) | 4.6340% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8496% | 34 |
| Loan loss allowance to noncurrent loans | 45.4866% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 9.0463% | 436 |
| Noncurrent loans to loans | 17.2570% | 88 |
| Net loans and leases to total assets | 44.4502% | 6,289 |
| Net loans and leases to deposits | 50.5055% | 6,475 |
| Net loans and leases to core deposits | 55.2383% | 6,373 |
| Total domestic deposits to total assets | 88.0106% | 2,028 |
| Equity capital to assets | 11.4649% | 2,714 |
| Core capital (leverage) ratio | 10.8935% | 2,482 |
| Tier 1 risk-based capital ratio | 23.5032% | 1,071 |
| Total risk-based capital ratio | 24.8359% | 1,043 |
| Memoranda: | ||
| Average total assets | $197,126,000 | 3,107 |
| Average earning assets | $189,497,750 | 2,982 |
| Average equity | $19,072,750 | 3,276 |
| Average total loans | $101,947,750 | 3,600 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 6,928 |
| Cost of funding earning assets | 1.0898% | 3,320 |
| Net interest margin | 2.7003% | 7,027 |
| Noninterest income to average assets | 1.2044% | 882 |
| Noninterest expense to average assets | 3.0998% | 3,258 |
| Loan and lease loss provision to assets | -0.0089% | 7,365 |
| Net operating income to assets | 0.7651% | 3,221 |
| Return on assets (ROA) | 0.7690% | 3,339 |
| Pretax return on assets | 0.7128% | 4,341 |
| Return on Equity (ROE) | 8.4109% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.4109% | 1,297 |
| Net charge-offs to loans | 3.8420% | 217 |
| Credit loss provision to net charge-offs | -0.4384% | 6,160 |
| Earnings coverage of net charge-offs (x) | 0.3453% | 5,053 |
| Efficiency ratio | 81.5796% | 2,159 |
| Assets per employee ($millions) | 4.7043% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4216% | 43 |
| Loan loss allowance to noncurrent loans | 48.6448% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 7.9838% | 586 |
| Noncurrent loans to loans | 15.2567% | 131 |
| Net loans and leases to total assets | 44.3405% | 6,410 |
| Net loans and leases to deposits | 50.1531% | 6,578 |
| Net loans and leases to core deposits | 55.6866% | 6,437 |
| Total domestic deposits to total assets | 88.4103% | 1,915 |
| Equity capital to assets | 10.5797% | 3,406 |
| Core capital (leverage) ratio | 10.2486% | 2,977 |
| Tier 1 risk-based capital ratio | 21.2693% | 1,371 |
| Total risk-based capital ratio | 22.5919% | 1,339 |
| Memoranda: | ||
| Average total assets | $202,592,670 | 3,068 |
| Average earning assets | $194,716,670 | 2,942 |
| Average equity | $18,523,670 | 3,331 |
| Average total loans | $106,871,670 | 3,527 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0232% | 6,651 |
| Cost of funding earning assets | 1.0925% | 3,574 |
| Net interest margin | 2.9307% | 6,703 |
| Noninterest income to average assets | 0.8773% | 1,739 |
| Noninterest expense to average assets | 3.0716% | 3,376 |
| Loan and lease loss provision to assets | -0.0174% | 7,453 |
| Net operating income to assets | 0.6421% | 3,795 |
| Return on assets (ROA) | 0.6421% | 3,868 |
| Pretax return on assets | 0.6421% | 4,526 |
| Return on Equity (ROE) | 7.5757% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.5757% | 1,906 |
| Net charge-offs to loans | 1.1006% | 1,253 |
| Credit loss provision to net charge-offs | -2.8662% | 5,572 |
| Earnings coverage of net charge-offs (x) | 1.0318% | 3,887 |
| Efficiency ratio | 83.0986% | 2,068 |
| Assets per employee ($millions) | 4.9242% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1047% | 37 |
| Loan loss allowance to noncurrent loans | 55.7465% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 8.0424% | 591 |
| Noncurrent loans to loans | 14.5386% | 167 |
| Net loans and leases to total assets | 46.0255% | 6,286 |
| Net loans and leases to deposits | 50.9694% | 6,550 |
| Net loans and leases to core deposits | 55.3449% | 6,462 |
| Total domestic deposits to total assets | 90.3003% | 964 |
| Equity capital to assets | 8.5997% | 5,774 |
| Core capital (leverage) ratio | 8.9485% | 4,695 |
| Tier 1 risk-based capital ratio | 17.8014% | 2,182 |
| Total risk-based capital ratio | 19.1395% | 2,123 |
| Memoranda: | ||
| Average total assets | $207,450,000 | 3,018 |
| Average earning assets | $199,545,000 | 2,893 |
| Average equity | $17,582,500 | 3,476 |
| Average total loans | $114,118,000 | 3,384 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 6,362 |
| Cost of funding earning assets | 1.2207% | 4,419 |
| Net interest margin | 3.2926% | 6,001 |
| Noninterest income to average assets | 0.8134% | 2,213 |
| Noninterest expense to average assets | 3.3415% | 2,601 |
| Loan and lease loss provision to assets | 4.2737% | 137 |
| Net operating income to assets | -5.3239% | 7,558 |
| Return on assets (ROA) | -5.1769% | 7,553 |
| Pretax return on assets | -3.5900% | 7,385 |
| Return on Equity (ROE) | -47.6930% | 7,408 |
| Retained earnings to average equity (ytd only) | -47.6930% | 7,404 |
| Net charge-offs to loans | 6.4922% | 79 |
| Credit loss provision to net charge-offs | 105.8292% | 4,230 |
| Earnings coverage of net charge-offs (x) | 0.1329% | 5,989 |
| Efficiency ratio | 86.1590% | 1,681 |
| Assets per employee ($millions) | 4.8372% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2986% | 52 |
| Loan loss allowance to noncurrent loans | 70.8340% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 6.3300% | 903 |
| Noncurrent loans to loans | 10.3039% | 400 |
| Net loans and leases to total assets | 55.7533% | 5,380 |
| Net loans and leases to deposits | 61.2715% | 5,926 |
| Net loans and leases to core deposits | 67.8237% | 5,681 |
| Total domestic deposits to total assets | 90.9938% | 600 |
| Equity capital to assets | 8.3461% | 6,083 |
| Core capital (leverage) ratio | 8.3996% | 5,535 |
| Tier 1 risk-based capital ratio | 15.0288% | 3,234 |
| Total risk-based capital ratio | 16.3606% | 3,132 |
| Memoranda: | ||
| Average total assets | $213,678,400 | 2,941 |
| Average earning assets | $198,901,400 | 2,890 |
| Average equity | $23,194,200 | 2,737 |
| Average total loans | $132,913,000 | 3,069 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 6,364 |
| Cost of funding earning assets | 1.2548% | 4,544 |
| Net interest margin | 3.3349% | 5,910 |
| Noninterest income to average assets | 0.9486% | 1,624 |
| Noninterest expense to average assets | 3.2502% | 2,740 |
| Loan and lease loss provision to assets | 5.3521% | 72 |
| Net operating income to assets | -2.6652% | 7,385 |
| Return on assets (ROA) | -2.5414% | 7,371 |
| Pretax return on assets | -4.3819% | 7,596 |
| Return on Equity (ROE) | -22.2075% | 7,263 |
| Retained earnings to average equity (ytd only) | -22.2075% | 7,249 |
| Net charge-offs to loans | 5.7818% | 117 |
| Credit loss provision to net charge-offs | 147.6701% | 2,655 |
| Earnings coverage of net charge-offs (x) | 0.2143% | 5,797 |
| Efficiency ratio | 80.7133% | 2,253 |
| Assets per employee ($millions) | 4.9449% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6025% | 31 |
| Loan loss allowance to noncurrent loans | 93.4522% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 7.1060% | 758 |
| Noncurrent loans to loans | 9.2052% | 508 |
| Net loans and leases to total assets | 57.3881% | 5,354 |
| Net loans and leases to deposits | 65.3303% | 5,740 |
| Net loans and leases to core deposits | 70.5735% | 5,693 |
| Total domestic deposits to total assets | 87.8431% | 2,055 |
| Equity capital to assets | 11.7014% | 2,359 |
| Core capital (leverage) ratio | 8.5308% | 5,449 |
| Tier 1 risk-based capital ratio | 13.2925% | 4,361 |
| Total risk-based capital ratio | 14.6291% | 4,257 |
| Memoranda: | ||
| Average total assets | $216,307,750 | 2,958 |
| Average earning assets | $199,659,750 | 2,926 |
| Average equity | $24,753,750 | 2,617 |
| Average total loans | $135,594,500 | 3,064 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 6,532 |
| Cost of funding earning assets | 1.2507% | 4,823 |
| Net interest margin | 3.3223% | 5,933 |
| Noninterest income to average assets | 0.6935% | 2,747 |
| Noninterest expense to average assets | 3.1727% | 3,003 |
| Loan and lease loss provision to assets | 4.2129% | 174 |
| Net operating income to assets | -2.1031% | 7,335 |
| Return on assets (ROA) | -2.0914% | 7,340 |
| Pretax return on assets | -3.6052% | 7,559 |
| Return on Equity (ROE) | -18.4064% | 7,238 |
| Retained earnings to average equity (ytd only) | -18.4064% | 7,211 |
| Net charge-offs to loans | 6.0514% | 132 |
| Credit loss provision to net charge-offs | 111.1191% | 3,643 |
| Earnings coverage of net charge-offs (x) | 0.1555% | 5,566 |
| Efficiency ratio | 84.3318% | 1,883 |
| Assets per employee ($millions) | 5.2898% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7958% | 63 |
| Loan loss allowance to noncurrent loans | 66.6817% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 8.0357% | 610 |
| Noncurrent loans to loans | 10.1914% | 430 |
| Net loans and leases to total assets | 56.1420% | 5,681 |
| Net loans and leases to deposits | 67.6241% | 5,601 |
| Net loans and leases to core deposits | 71.5923% | 5,717 |
| Total domestic deposits to total assets | 83.0207% | 4,566 |
| Equity capital to assets | 11.6114% | 2,347 |
| Core capital (leverage) ratio | 9.4803% | 3,846 |
| Tier 1 risk-based capital ratio | 14.0433% | 3,695 |
| Total risk-based capital ratio | 15.3554% | 3,621 |
| Memoranda: | ||
| Average total assets | $219,182,330 | 2,949 |
| Average earning assets | $202,451,670 | 2,910 |
| Average equity | $24,904,330 | 2,601 |
| Average total loans | $137,324,670 | 3,060 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 5,864 |
| Cost of funding earning assets | 1.2618% | 5,055 |
| Net interest margin | 3.5464% | 4,962 |
| Noninterest income to average assets | 0.7589% | 2,246 |
| Noninterest expense to average assets | 2.8521% | 4,269 |
| Loan and lease loss provision to assets | 3.9304% | 225 |
| Net operating income to assets | -1.5900% | 7,359 |
| Return on assets (ROA) | -1.5667% | 7,357 |
| Pretax return on assets | -2.7014% | 7,547 |
| Return on Equity (ROE) | -13.9390% | 7,290 |
| Retained earnings to average equity (ytd only) | -13.9390% | 7,170 |
| Net charge-offs to loans | 7.8483% | 100 |
| Credit loss provision to net charge-offs | 78.4420% | 3,917 |
| Earnings coverage of net charge-offs (x) | 0.2380% | 4,828 |
| Efficiency ratio | 70.5117% | 4,219 |
| Assets per employee ($millions) | 5.3242% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7353% | 118 |
| Loan loss allowance to noncurrent loans | 52.1296% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 8.1308% | 603 |
| Noncurrent loans to loans | 11.0021% | 361 |
| Net loans and leases to total assets | 60.3581% | 5,062 |
| Net loans and leases to deposits | 72.7878% | 4,948 |
| Net loans and leases to core deposits | 76.1932% | 5,232 |
| Total domestic deposits to total assets | 82.9233% | 4,665 |
| Equity capital to assets | 11.4336% | 2,416 |
| Core capital (leverage) ratio | 9.3059% | 4,044 |
| Tier 1 risk-based capital ratio | 14.1462% | 3,570 |
| Total risk-based capital ratio | 15.4475% | 3,509 |
| Memoranda: | ||
| Average total assets | $220,332,500 | 2,985 |
| Average earning assets | $204,149,500 | 2,937 |
| Average equity | $24,765,000 | 2,632 |
| Average total loans | $140,667,000 | 3,065 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 6,486 |
| Cost of funding earning assets | 2.2454% | 1,853 |
| Net interest margin | 2.7395% | 7,153 |
| Noninterest income to average assets | 0.5920% | 3,685 |
| Noninterest expense to average assets | 3.7669% | 1,758 |
| Loan and lease loss provision to assets | 4.5560% | 254 |
| Net operating income to assets | -2.9954% | 7,388 |
| Return on assets (ROA) | -2.9931% | 7,402 |
| Pretax return on assets | -5.1606% | 7,726 |
| Return on Equity (ROE) | -25.5892% | 7,303 |
| Retained earnings to average equity (ytd only) | -25.5892% | 7,280 |
| Net charge-offs to loans | 3.3104% | 607 |
| Credit loss provision to net charge-offs | 185.3743% | 2,198 |
| Earnings coverage of net charge-offs (x) | -0.2475% | 6,500 |
| Efficiency ratio | 119.2565% | 620 |
| Assets per employee ($millions) | 5.8384% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8054% | 109 |
| Loan loss allowance to noncurrent loans | 75.0892% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 5.3971% | 1,090 |
| Noncurrent loans to loans | 7.7313% | 671 |
| Net loans and leases to total assets | 59.9716% | 5,339 |
| Net loans and leases to deposits | 75.8375% | 4,769 |
| Net loans and leases to core deposits | 116.2183% | 2,293 |
| Total domestic deposits to total assets | 79.0791% | 5,956 |
| Equity capital to assets | 11.0586% | 2,666 |
| Core capital (leverage) ratio | 10.0416% | 3,044 |
| Tier 1 risk-based capital ratio | 14.0392% | 3,477 |
| Total risk-based capital ratio | 15.3398% | 3,400 |
| Memoranda: | ||
| Average total assets | $222,279,200 | 2,911 |
| Average earning assets | $208,250,400 | 2,857 |
| Average equity | $25,999,200 | 2,530 |
| Average total loans | $165,025,600 | 2,685 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 6,327 |
| Cost of funding earning assets | 2.5354% | 1,190 |
| Net interest margin | 2.5482% | 7,410 |
| Noninterest income to average assets | 0.5655% | 3,967 |
| Noninterest expense to average assets | 4.1389% | 1,090 |
| Loan and lease loss provision to assets | 4.1395% | 278 |
| Net operating income to assets | -3.0839% | 7,609 |
| Return on assets (ROA) | -3.0827% | 7,618 |
| Pretax return on assets | -5.3163% | 7,843 |
| Return on Equity (ROE) | -25.9903% | 7,527 |
| Retained earnings to average equity (ytd only) | -25.9903% | 7,508 |
| Net charge-offs to loans | 2.7389% | 652 |
| Credit loss provision to net charge-offs | 196.3642% | 2,288 |
| Earnings coverage of net charge-offs (x) | -0.5591% | 6,493 |
| Efficiency ratio | 139.8165% | 387 |
| Assets per employee ($millions) | 5.1117% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6294% | 189 |
| Loan loss allowance to noncurrent loans | 57.2520% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 6.1087% | 869 |
| Noncurrent loans to loans | 8.0860% | 596 |
| Net loans and leases to total assets | 68.2919% | 3,889 |
| Net loans and leases to deposits | 88.3140% | 2,904 |
| Net loans and leases to core deposits | 150.7811% | 565 |
| Total domestic deposits to total assets | 77.3286% | 6,258 |
| Equity capital to assets | 11.0875% | 2,935 |
| Core capital (leverage) ratio | 9.3312% | 4,138 |
| Tier 1 risk-based capital ratio | 11.7663% | 5,182 |
| Total risk-based capital ratio | 13.0534% | 5,094 |
| Memoranda: | ||
| Average total assets | $220,925,000 | 2,943 |
| Average earning assets | $207,617,250 | 2,885 |
| Average equity | $26,204,000 | 2,541 |
| Average total loans | $170,039,750 | 2,647 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 6,332 |
| Cost of funding earning assets | 2.6809% | 1,075 |
| Net interest margin | 2.4454% | 7,530 |
| Noninterest income to average assets | 0.7803% | 2,518 |
| Noninterest expense to average assets | 3.4618% | 2,454 |
| Loan and lease loss provision to assets | 5.0636% | 196 |
| Net operating income to assets | -3.1578% | 7,703 |
| Return on assets (ROA) | -3.1578% | 7,702 |
| Pretax return on assets | -5.4448% | 7,916 |
| Return on Equity (ROE) | -26.0776% | 7,647 |
| Retained earnings to average equity (ytd only) | -26.0776% | 7,613 |
| Net charge-offs to loans | 3.1503% | 517 |
| Credit loss provision to net charge-offs | 204.2692% | 2,228 |
| Earnings coverage of net charge-offs (x) | -0.1538% | 5,843 |
| Efficiency ratio | 112.3726% | 787 |
| Assets per employee ($millions) | 4.5430% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0239% | 252 |
| Loan loss allowance to noncurrent loans | 60.1578% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 5.4716% | 927 |
| Noncurrent loans to loans | 6.6889% | 766 |
| Net loans and leases to total assets | 74.0948% | 2,677 |
| Net loans and leases to deposits | 96.1780% | 1,770 |
| Net loans and leases to core deposits | 191.0286% | 156 |
| Total domestic deposits to total assets | 77.0393% | 6,320 |
| Equity capital to assets | 11.8466% | 2,295 |
| Core capital (leverage) ratio | 11.0958% | 2,333 |
| Tier 1 risk-based capital ratio | 14.6233% | 3,175 |
| Total risk-based capital ratio | 15.9062% | 3,108 |
| Memoranda: | ||
| Average total assets | $223,002,330 | 2,938 |
| Average earning assets | $209,781,670 | 2,873 |
| Average equity | $27,004,000 | 2,478 |
| Average total loans | $175,474,670 | 2,633 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 6,916 |
| Cost of funding earning assets | 2.6702% | 1,347 |
| Net interest margin | 2.3348% | 7,683 |
| Noninterest income to average assets | 0.4918% | 4,398 |
| Noninterest expense to average assets | 3.2440% | 2,815 |
| Loan and lease loss provision to assets | 4.4981% | 201 |
| Net operating income to assets | -2.9314% | 7,833 |
| Return on assets (ROA) | -2.9314% | 7,835 |
| Pretax return on assets | -5.0496% | 7,993 |
| Return on Equity (ROE) | -23.9640% | 7,827 |
| Retained earnings to average equity (ytd only) | -23.9640% | 7,744 |
| Net charge-offs to loans | 2.2567% | 643 |
| Credit loss provision to net charge-offs | 251.0784% | 1,868 |
| Earnings coverage of net charge-offs (x) | -0.3078% | 5,186 |
| Efficiency ratio | 120.4827% | 618 |
| Assets per employee ($millions) | 4.8997% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0019% | 476 |
| Loan loss allowance to noncurrent loans | 56.9691% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 4.9490% | 913 |
| Noncurrent loans to loans | 5.2694% | 1,006 |
| Net loans and leases to total assets | 74.2661% | 2,692 |
| Net loans and leases to deposits | 95.0509% | 2,100 |
| Net loans and leases to core deposits | 172.0047% | 314 |
| Total domestic deposits to total assets | 78.1330% | 5,965 |
| Equity capital to assets | 11.7349% | 2,420 |
| Core capital (leverage) ratio | 12.0072% | 1,897 |
| Tier 1 risk-based capital ratio | 14.5807% | 3,268 |
| Total risk-based capital ratio | 15.8512% | 3,186 |
| Memoranda: | ||
| Average total assets | $227,743,000 | 2,894 |
| Average earning assets | $214,662,500 | 2,829 |
| Average equity | $27,858,500 | 2,428 |
| Average total loans | $180,791,500 | 2,587 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6698% | 2,153 |
| Cost of funding earning assets | 2.9949% | 1,886 |
| Net interest margin | 3.6750% | 4,581 |
| Noninterest income to average assets | 0.7485% | 2,796 |
| Noninterest expense to average assets | 3.2332% | 3,218 |
| Loan and lease loss provision to assets | 1.2051% | 1,193 |
| Net operating income to assets | -0.1556% | 6,566 |
| Return on assets (ROA) | -0.1556% | 6,411 |
| Pretax return on assets | -0.2242% | 6,389 |
| Return on Equity (ROE) | -1.2770% | 6,400 |
| Retained earnings to average equity (ytd only) | -1.2770% | 5,675 |
| Net charge-offs to loans | 0.6698% | 1,841 |
| Credit loss provision to net charge-offs | 207.4539% | 2,336 |
| Earnings coverage of net charge-offs (x) | 1.6886% | 5,237 |
| Efficiency ratio | 76.7243% | 3,114 |
| Assets per employee ($millions) | 5.0044% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 1,177 |
| Loan loss allowance to noncurrent loans | 123.6729% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 2.2820% | 2,131 |
| Noncurrent loans to loans | 1.6371% | 3,315 |
| Net loans and leases to total assets | 80.6015% | 1,525 |
| Net loans and leases to deposits | 104.6909% | 1,272 |
| Net loans and leases to core deposits | 165.4480% | 482 |
| Total domestic deposits to total assets | 76.9900% | 5,995 |
| Equity capital to assets | 12.7412% | 1,896 |
| Core capital (leverage) ratio | 12.3392% | 1,811 |
| Tier 1 risk-based capital ratio | 14.9125% | 3,081 |
| Total risk-based capital ratio | 16.1714% | 3,000 |
| Memoranda: | ||
| Average total assets | $233,265,600 | 2,723 |
| Average earning assets | $219,975,200 | 2,659 |
| Average equity | $28,425,400 | 2,377 |
| Average total loans | $202,295,000 | 2,281 |