Home > Citizens Federal Savings Bank > Performance and Condition Ratios
Citizens Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 4,255 |
| Cost of funding earning assets | 0.9699% | 3,370 |
| Net interest margin | 2.7519% | 3,748 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.7583% | 1,603 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.1458% | 4,213 |
| Return on assets (ROA) | 0.1180% | 4,263 |
| Pretax return on assets | 0.1224% | 4,258 |
| Return on Equity (ROE) | 0.6300% | 4,295 |
| Retained earnings to average equity (ytd only) | 0.6324% | 3,923 |
| Net charge-offs to loans | 0.0311% | 1,674 |
| Credit loss provision to net charge-offs | -100.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | 7.0270% | 2,434 |
| Efficiency ratio | 95.1027% | 275 |
| Assets per employee ($millions) | 6.5893% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3084% | 4,422 |
| Loan loss allowance to noncurrent loans | 165.2361% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 2,698 |
| Noncurrent loans to loans | 0.1867% | 2,583 |
| Net loans and leases to total assets | 67.4500% | 2,096 |
| Net loans and leases to deposits | 90.3268% | 1,234 |
| Net loans and leases to core deposits | 96.8060% | 1,615 |
| Total domestic deposits to total assets | 74.6700% | 4,053 |
| Equity capital to assets | 18.8455% | 318 |
| Core capital (leverage) ratio | 20.0075% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $183,048,400 | 3,101 |
| Average earning assets | $169,301,600 | 3,097 |
| Average equity | $34,154,600 | 2,092 |
| Average total loans | $118,929,600 | 2,967 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 4,238 |
| Cost of funding earning assets | 0.8813% | 3,319 |
| Net interest margin | 2.7962% | 3,729 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.7405% | 1,566 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.2003% | 4,227 |
| Return on assets (ROA) | 0.1379% | 4,302 |
| Pretax return on assets | 0.1445% | 4,307 |
| Return on Equity (ROE) | 0.7400% | 4,339 |
| Retained earnings to average equity (ytd only) | 0.7411% | 4,000 |
| Net charge-offs to loans | 0.0375% | 1,356 |
| Credit loss provision to net charge-offs | -103.0303% | 4,525 |
| Earnings coverage of net charge-offs (x) | 8.2121% | 2,206 |
| Efficiency ratio | 93.2688% | 285 |
| Assets per employee ($millions) | 6.0815% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3216% | 4,437 |
| Loan loss allowance to noncurrent loans | 536.9863% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,398 |
| Noncurrent loans to loans | 0.0599% | 3,326 |
| Net loans and leases to total assets | 66.5900% | 2,188 |
| Net loans and leases to deposits | 88.6551% | 1,330 |
| Net loans and leases to core deposits | 94.4813% | 1,650 |
| Total domestic deposits to total assets | 75.1100% | 4,087 |
| Equity capital to assets | 18.4033% | 331 |
| Core capital (leverage) ratio | 20.1597% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $182,685,500 | 3,112 |
| Average earning assets | $168,845,250 | 3,111 |
| Average equity | $34,000,750 | 2,082 |
| Average total loans | $117,454,250 | 2,984 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 4,205 |
| Cost of funding earning assets | 0.7878% | 3,241 |
| Net interest margin | 2.8551% | 3,720 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.7204% | 1,596 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.2642% | 4,210 |
| Return on assets (ROA) | 0.1893% | 4,312 |
| Pretax return on assets | 0.2003% | 4,319 |
| Return on Equity (ROE) | 1.0100% | 4,371 |
| Retained earnings to average equity (ytd only) | 1.0134% | 3,913 |
| Net charge-offs to loans | 0.0414% | 1,100 |
| Credit loss provision to net charge-offs | -70.8333% | 4,535 |
| Earnings coverage of net charge-offs (x) | 9.9167% | 2,009 |
| Efficiency ratio | 91.2628% | 321 |
| Assets per employee ($millions) | 5.9465% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3558% | 4,459 |
| Loan loss allowance to noncurrent loans | 376.5766% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,159 |
| Noncurrent loans to loans | 0.0945% | 3,029 |
| Net loans and leases to total assets | 63.5100% | 2,434 |
| Net loans and leases to deposits | 83.4625% | 1,724 |
| Net loans and leases to core deposits | 88.6623% | 1,883 |
| Total domestic deposits to total assets | 76.0900% | 4,034 |
| Equity capital to assets | 18.6008% | 324 |
| Core capital (leverage) ratio | 20.1738% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $182,765,333 | 3,116 |
| Average earning assets | $168,819,000 | 3,118 |
| Average equity | $34,142,333 | 2,086 |
| Average total loans | $115,980,000 | 2,998 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,225 |
| Cost of funding earning assets | 0.6333% | 3,282 |
| Net interest margin | 2.9044% | 3,786 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.7784% | 1,487 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.1912% | 4,364 |
| Return on assets (ROA) | 0.1912% | 4,331 |
| Pretax return on assets | 0.2286% | 4,312 |
| Return on Equity (ROE) | 1.0200% | 4,381 |
| Retained earnings to average equity (ytd only) | 1.0215% | 3,862 |
| Net charge-offs to loans | 0.0798% | 668 |
| Credit loss provision to net charge-offs | 34.7826% | 1,334 |
| Earnings coverage of net charge-offs (x) | 4.8696% | 1,838 |
| Efficiency ratio | 91.8605% | 313 |
| Assets per employee ($millions) | 6.1127% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3841% | 4,505 |
| Loan loss allowance to noncurrent loans | 1,345.4545% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,635 |
| Noncurrent loans to loans | 0.0285% | 3,558 |
| Net loans and leases to total assets | 62.7900% | 2,379 |
| Net loans and leases to deposits | 82.4814% | 1,618 |
| Net loans and leases to core deposits | 87.1107% | 1,798 |
| Total domestic deposits to total assets | 76.1300% | 4,155 |
| Equity capital to assets | 18.7188% | 275 |
| Core capital (leverage) ratio | 20.9353% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $181,977,000 | 3,164 |
| Average earning assets | $168,019,000 | 3,165 |
| Average equity | $34,069,000 | 2,117 |
| Average total loans | $115,227,500 | 3,031 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1171% | 3,960 |
| Cost of funding earning assets | 0.3789% | 2,266 |
| Net interest margin | 2.7382% | 3,994 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.5950% | 1,840 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.2523% | 4,411 |
| Return on assets (ROA) | 0.2775% | 4,360 |
| Pretax return on assets | 0.3157% | 4,367 |
| Return on Equity (ROE) | 1.4700% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.4720% | 4,107 |
| Net charge-offs to loans | 0.0106% | 1,978 |
| Credit loss provision to net charge-offs | -166.6667% | 4,594 |
| Earnings coverage of net charge-offs (x) | 43.4167% | 1,452 |
| Efficiency ratio | 90.3732% | 290 |
| Assets per employee ($millions) | 6.4490% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3996% | 4,501 |
| Loan loss allowance to noncurrent loans | 270.0000% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 2,887 |
| Noncurrent loans to loans | 0.1480% | 2,763 |
| Net loans and leases to total assets | 63.3600% | 2,298 |
| Net loans and leases to deposits | 83.2191% | 1,528 |
| Net loans and leases to core deposits | 86.8703% | 1,688 |
| Total domestic deposits to total assets | 76.1300% | 4,247 |
| Equity capital to assets | 18.7244% | 264 |
| Core capital (leverage) ratio | 20.4605% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $188,480,000 | 3,118 |
| Average earning assets | $174,969,200 | 3,105 |
| Average equity | $35,529,200 | 2,087 |
| Average total loans | $113,522,400 | 2,995 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9849% | 3,909 |
| Cost of funding earning assets | 0.3577% | 1,642 |
| Net interest margin | 2.6272% | 4,058 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.5720% | 1,785 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.1782% | 4,493 |
| Return on assets (ROA) | 0.2107% | 4,435 |
| Pretax return on assets | 0.2450% | 4,426 |
| Return on Equity (ROE) | 1.1200% | 4,484 |
| Retained earnings to average equity (ytd only) | 1.1161% | 4,195 |
| Net charge-offs to loans | 0.0130% | 1,637 |
| Credit loss provision to net charge-offs | -181.8182% | 4,659 |
| Earnings coverage of net charge-offs (x) | 25.0909% | 1,612 |
| Efficiency ratio | 93.0127% | 253 |
| Assets per employee ($millions) | 6.7092% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4077% | 4,539 |
| Loan loss allowance to noncurrent loans | 261.3636% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 3,007 |
| Noncurrent loans to loans | 0.1560% | 2,830 |
| Net loans and leases to total assets | 59.8100% | 2,524 |
| Net loans and leases to deposits | 77.5127% | 1,757 |
| Net loans and leases to core deposits | 80.9716% | 1,834 |
| Total domestic deposits to total assets | 77.1600% | 4,311 |
| Equity capital to assets | 17.8966% | 278 |
| Core capital (leverage) ratio | 20.1726% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $190,457,000 | 3,122 |
| Average earning assets | $177,063,000 | 3,109 |
| Average equity | $35,958,750 | 2,107 |
| Average total loans | $113,187,500 | 3,008 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8848% | 3,821 |
| Cost of funding earning assets | 0.3525% | 1,237 |
| Net interest margin | 2.5324% | 4,029 |
| Noninterest income to average assets | 0.3167% | 3,272 |
| Noninterest expense to average assets | 2.6196% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0520% | 4,553 |
| Return on assets (ROA) | 0.1045% | 4,475 |
| Pretax return on assets | 0.1119% | 4,479 |
| Return on Equity (ROE) | 0.5444% | 4,510 |
| Retained earnings to average equity (ytd only) | 0.5444% | 4,083 |
| Net charge-offs to loans | 0.0053% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,600 |
| Efficiency ratio | 97.9289% | 217 |
| Assets per employee ($millions) | 5.8982% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4299% | 4,600 |
| Loan loss allowance to noncurrent loans | 4,066.6667% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 3,983 |
| Noncurrent loans to loans | 0.0106% | 3,907 |
| Net loans and leases to total assets | 59.8886% | 2,337 |
| Net loans and leases to deposits | 77.8564% | 1,551 |
| Net loans and leases to core deposits | 81.5060% | 1,624 |
| Total domestic deposits to total assets | 76.9219% | 4,418 |
| Equity capital to assets | 18.0527% | 224 |
| Core capital (leverage) ratio | 20.1328% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,323,667 | 3,153 |
| Average earning assets | $178,172,333 | 3,146 |
| Average equity | $36,738,333 | 2,127 |
| Average total loans | $113,311,000 | 3,027 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8343% | 3,671 |
| Cost of funding earning assets | 0.3518% | 1,184 |
| Net interest margin | 2.4825% | 3,933 |
| Noninterest income to average assets | 0.3094% | 3,247 |
| Noninterest expense to average assets | 2.6374% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0102% | 4,554 |
| Return on assets (ROA) | 0.0851% | 4,461 |
| Pretax return on assets | 0.0997% | 4,447 |
| Return on Equity (ROE) | 0.4308% | 4,489 |
| Retained earnings to average equity (ytd only) | 0.4308% | 3,933 |
| Net charge-offs to loans | 0.0071% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 1,802 |
| Efficiency ratio | 100.4747% | 235 |
| Assets per employee ($millions) | 6.4315% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4291% | 4,634 |
| Loan loss allowance to noncurrent loans | 3,761.5385% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,023 |
| Noncurrent loans to loans | 0.0114% | 3,937 |
| Net loans and leases to total assets | 58.8140% | 2,205 |
| Net loans and leases to deposits | 77.4678% | 1,327 |
| Net loans and leases to core deposits | 80.9464% | 1,426 |
| Total domestic deposits to total assets | 75.9205% | 4,506 |
| Equity capital to assets | 19.0537% | 195 |
| Core capital (leverage) ratio | 20.2949% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,614,500 | 3,152 |
| Average earning assets | $179,658,000 | 3,146 |
| Average equity | $38,071,000 | 2,125 |
| Average total loans | $113,205,000 | 3,022 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8972% | 4,059 |
| Cost of funding earning assets | 0.3996% | 1,549 |
| Net interest margin | 2.4976% | 4,191 |
| Noninterest income to average assets | 0.5977% | 2,166 |
| Noninterest expense to average assets | 2.8819% | 1,192 |
| Loan and lease loss provision to assets | -0.0032% | 4,142 |
| Net operating income to assets | 0.2316% | 4,504 |
| Return on assets (ROA) | 0.2847% | 4,466 |
| Pretax return on assets | 0.1161% | 4,625 |
| Return on Equity (ROE) | 1.3825% | 4,567 |
| Retained earnings to average equity (ytd only) | 1.3825% | 4,152 |
| Net charge-offs to loans | 0.0079% | 2,284 |
| Credit loss provision to net charge-offs | -75.0000% | 3,309 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 2,038 |
| Efficiency ratio | 97.9646% | 168 |
| Assets per employee ($millions) | 5.6554% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4358% | 4,672 |
| Loan loss allowance to noncurrent loans | 3,769.2308% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 4,100 |
| Noncurrent loans to loans | 0.0116% | 4,007 |
| Net loans and leases to total assets | 58.2224% | 2,353 |
| Net loans and leases to deposits | 78.4199% | 1,363 |
| Net loans and leases to core deposits | 82.0271% | 1,459 |
| Total domestic deposits to total assets | 74.2445% | 4,576 |
| Equity capital to assets | 20.4795% | 164 |
| Core capital (leverage) ratio | 20.2693% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,398,400 | 3,130 |
| Average earning assets | $178,689,200 | 3,106 |
| Average equity | $39,204,200 | 2,107 |
| Average total loans | $101,894,400 | 3,172 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8950% | 4,181 |
| Cost of funding earning assets | 0.4105% | 1,620 |
| Net interest margin | 2.4845% | 4,303 |
| Noninterest income to average assets | 0.6669% | 1,946 |
| Noninterest expense to average assets | 2.9014% | 1,125 |
| Loan and lease loss provision to assets | -0.0058% | 4,307 |
| Net operating income to assets | 0.0865% | 4,704 |
| Return on assets (ROA) | 0.1390% | 4,690 |
| Pretax return on assets | 0.1664% | 4,684 |
| Return on Equity (ROE) | 0.6741% | 4,715 |
| Retained earnings to average equity (ytd only) | 0.6741% | 4,470 |
| Net charge-offs to loans | 0.0094% | 1,967 |
| Credit loss provision to net charge-offs | -114.2857% | 3,249 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,743 |
| Efficiency ratio | 96.7236% | 186 |
| Assets per employee ($millions) | 5.2924% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4872% | 4,718 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,204 |
| Noncurrent loans to loans | 0.0139% | 4,104 |
| Net loans and leases to total assets | 52.5359% | 3,137 |
| Net loans and leases to deposits | 70.6641% | 2,174 |
| Net loans and leases to core deposits | 74.1510% | 2,224 |
| Total domestic deposits to total assets | 74.3459% | 4,625 |
| Equity capital to assets | 20.7021% | 163 |
| Core capital (leverage) ratio | 20.3172% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,926,750 | 3,168 |
| Average earning assets | $178,325,750 | 3,148 |
| Average equity | $39,160,500 | 2,137 |
| Average total loans | $99,257,250 | 3,250 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9218% | 4,189 |
| Cost of funding earning assets | 0.4221% | 1,720 |
| Net interest margin | 2.4998% | 4,306 |
| Noninterest income to average assets | 0.7801% | 1,584 |
| Noninterest expense to average assets | 3.0106% | 966 |
| Loan and lease loss provision to assets | -0.0126% | 4,413 |
| Net operating income to assets | 0.1128% | 4,698 |
| Return on assets (ROA) | 0.1128% | 4,716 |
| Pretax return on assets | 0.1297% | 4,713 |
| Return on Equity (ROE) | 0.5478% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.5478% | 4,423 |
| Net charge-offs to loans | 0.0121% | 1,714 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,564 |
| Efficiency ratio | 96.2588% | 215 |
| Assets per employee ($millions) | 5.6290% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4839% | 4,748 |
| Loan loss allowance to noncurrent loans | 918.8679% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,079 |
| Noncurrent loans to loans | 0.0527% | 3,914 |
| Net loans and leases to total assets | 52.3311% | 3,309 |
| Net loans and leases to deposits | 70.2049% | 2,384 |
| Net loans and leases to core deposits | 73.7888% | 2,431 |
| Total domestic deposits to total assets | 74.5406% | 4,638 |
| Equity capital to assets | 20.4314% | 173 |
| Core capital (leverage) ratio | 20.1810% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,726,667 | 3,175 |
| Average earning assets | $178,177,667 | 3,150 |
| Average equity | $39,066,333 | 2,134 |
| Average total loans | $98,814,667 | 3,268 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9247% | 4,222 |
| Cost of funding earning assets | 0.4439% | 1,768 |
| Net interest margin | 2.4808% | 4,328 |
| Noninterest income to average assets | 1.0397% | 1,072 |
| Noninterest expense to average assets | 2.8502% | 1,254 |
| Loan and lease loss provision to assets | -0.0275% | 4,612 |
| Net operating income to assets | 0.4341% | 4,298 |
| Return on assets (ROA) | 0.4341% | 4,329 |
| Pretax return on assets | 0.5484% | 4,276 |
| Return on Equity (ROE) | 2.1000% | 4,592 |
| Retained earnings to average equity (ytd only) | 2.1000% | 3,988 |
| Net charge-offs to loans | -0.0041% | 3,320 |
| Credit loss provision to net charge-offs | 1,300.0000% | 346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5477% | 569 |
| Assets per employee ($millions) | 5.4860% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5194% | 4,760 |
| Loan loss allowance to noncurrent loans | 795.1613% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 4,133 |
| Noncurrent loans to loans | 0.0653% | 3,962 |
| Net loans and leases to total assets | 49.1737% | 3,699 |
| Net loans and leases to deposits | 65.5426% | 2,967 |
| Net loans and leases to core deposits | 69.6154% | 2,898 |
| Total domestic deposits to total assets | 75.0256% | 4,628 |
| Equity capital to assets | 20.0845% | 184 |
| Core capital (leverage) ratio | 20.6254% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,896,500 | 3,176 |
| Average earning assets | $177,524,500 | 3,144 |
| Average equity | $39,048,000 | 2,122 |
| Average total loans | $97,901,000 | 3,290 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1121% | 4,556 |
| Cost of funding earning assets | 0.5814% | 2,438 |
| Net interest margin | 2.5306% | 4,561 |
| Noninterest income to average assets | 0.7756% | 1,608 |
| Noninterest expense to average assets | 2.8916% | 1,708 |
| Loan and lease loss provision to assets | 0.0099% | 4,235 |
| Net operating income to assets | 0.2079% | 4,565 |
| Return on assets (ROA) | 0.2444% | 4,573 |
| Pretax return on assets | 0.3138% | 4,527 |
| Return on Equity (ROE) | 1.1461% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.1461% | 4,170 |
| Net charge-offs to loans | 0.0100% | 2,958 |
| Credit loss provision to net charge-offs | 180.0000% | 2,264 |
| Earnings coverage of net charge-offs (x) | 50.4000% | 1,193 |
| Efficiency ratio | 91.2454% | 335 |
| Assets per employee ($millions) | 5.1607% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5005% | 4,792 |
| Loan loss allowance to noncurrent loans | 608.4337% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 4,125 |
| Noncurrent loans to loans | 0.0823% | 3,962 |
| Net loans and leases to total assets | 54.0337% | 3,481 |
| Net loans and leases to deposits | 73.6778% | 2,515 |
| Net loans and leases to core deposits | 78.3880% | 2,525 |
| Total domestic deposits to total assets | 73.3379% | 4,664 |
| Equity capital to assets | 21.2785% | 155 |
| Core capital (leverage) ratio | 20.9265% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,662,600 | 3,088 |
| Average earning assets | $171,815,400 | 3,055 |
| Average equity | $38,741,600 | 2,071 |
| Average total loans | $99,720,200 | 3,232 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1495% | 4,634 |
| Cost of funding earning assets | 0.6121% | 2,533 |
| Net interest margin | 2.5373% | 4,628 |
| Noninterest income to average assets | 0.6333% | 2,058 |
| Noninterest expense to average assets | 2.8654% | 1,788 |
| Loan and lease loss provision to assets | 0.0133% | 4,146 |
| Net operating income to assets | 0.1237% | 4,678 |
| Return on assets (ROA) | 0.1727% | 4,666 |
| Pretax return on assets | 0.2214% | 4,639 |
| Return on Equity (ROE) | 0.8094% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.8094% | 4,310 |
| Net charge-offs to loans | 0.0080% | 2,826 |
| Credit loss provision to net charge-offs | 300.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,376 |
| Efficiency ratio | 94.3149% | 253 |
| Assets per employee ($millions) | 5.1545% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 4,817 |
| Loan loss allowance to noncurrent loans | 462.7273% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 4,145 |
| Noncurrent loans to loans | 0.1073% | 3,938 |
| Net loans and leases to total assets | 54.9730% | 3,712 |
| Net loans and leases to deposits | 74.8487% | 2,869 |
| Net loans and leases to core deposits | 79.6211% | 2,874 |
| Total domestic deposits to total assets | 73.4455% | 4,607 |
| Equity capital to assets | 21.1789% | 169 |
| Core capital (leverage) ratio | 20.8330% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,632,250 | 3,083 |
| Average earning assets | $171,200,000 | 3,045 |
| Average equity | $38,544,000 | 2,065 |
| Average total loans | $99,427,500 | 3,252 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1672% | 4,739 |
| Cost of funding earning assets | 0.6586% | 2,634 |
| Net interest margin | 2.5086% | 4,732 |
| Noninterest income to average assets | 0.5084% | 2,530 |
| Noninterest expense to average assets | 2.8907% | 1,851 |
| Loan and lease loss provision to assets | 0.0201% | 3,990 |
| Net operating income to assets | -0.0164% | 4,794 |
| Return on assets (ROA) | 0.0480% | 4,755 |
| Pretax return on assets | 0.0626% | 4,749 |
| Return on Equity (ROE) | 0.2246% | 4,776 |
| Retained earnings to average equity (ytd only) | 0.2246% | 4,268 |
| Net charge-offs to loans | 0.0041% | 2,834 |
| Credit loss provision to net charge-offs | 900.0000% | 850 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 2,917 |
| Efficiency ratio | 99.9614% | 186 |
| Assets per employee ($millions) | 4.9757% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4968% | 4,837 |
| Loan loss allowance to noncurrent loans | 712.5000% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 4,345 |
| Noncurrent loans to loans | 0.0697% | 4,187 |
| Net loans and leases to total assets | 55.8069% | 3,702 |
| Net loans and leases to deposits | 76.2010% | 2,838 |
| Net loans and leases to core deposits | 82.2553% | 2,761 |
| Total domestic deposits to total assets | 73.2364% | 4,639 |
| Equity capital to assets | 21.1715% | 172 |
| Core capital (leverage) ratio | 20.9124% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,989,000 | 3,080 |
| Average earning assets | $170,053,667 | 3,044 |
| Average equity | $38,292,000 | 2,064 |
| Average total loans | $98,397,333 | 3,263 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2350% | 4,852 |
| Cost of funding earning assets | 0.7097% | 2,890 |
| Net interest margin | 2.5253% | 4,810 |
| Noninterest income to average assets | 0.3718% | 3,287 |
| Noninterest expense to average assets | 2.9541% | 2,002 |
| Loan and lease loss provision to assets | 0.0045% | 3,684 |
| Net operating income to assets | -0.1746% | 4,840 |
| Return on assets (ROA) | -0.0091% | 4,747 |
| Pretax return on assets | -0.0091% | 4,739 |
| Return on Equity (ROE) | -0.0422% | 4,745 |
| Retained earnings to average equity (ytd only) | -0.0422% | 4,000 |
| Net charge-offs to loans | 0.0042% | 2,428 |
| Credit loss provision to net charge-offs | 200.0000% | 1,417 |
| Earnings coverage of net charge-offs (x) | -75.0000% | 2,565 |
| Efficiency ratio | 106.1075% | 174 |
| Assets per employee ($millions) | 4.6656% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5074% | 4,865 |
| Loan loss allowance to noncurrent loans | 653.9474% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 4,400 |
| Noncurrent loans to loans | 0.0776% | 4,202 |
| Net loans and leases to total assets | 53.5541% | 4,020 |
| Net loans and leases to deposits | 75.9049% | 3,084 |
| Net loans and leases to core deposits | 82.2419% | 3,005 |
| Total domestic deposits to total assets | 70.5542% | 4,836 |
| Equity capital to assets | 20.7608% | 213 |
| Core capital (leverage) ratio | 21.8542% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,433,000 | 3,069 |
| Average earning assets | $168,531,500 | 3,032 |
| Average equity | $37,949,500 | 2,070 |
| Average total loans | $95,969,000 | 3,279 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 4,899 |
| Cost of funding earning assets | 0.7164% | 3,084 |
| Net interest margin | 2.7199% | 4,827 |
| Noninterest income to average assets | 0.6701% | 1,920 |
| Noninterest expense to average assets | 2.9916% | 2,043 |
| Loan and lease loss provision to assets | 0.0177% | 3,658 |
| Net operating income to assets | 0.1897% | 4,845 |
| Return on assets (ROA) | 0.2055% | 4,860 |
| Pretax return on assets | 0.2814% | 4,836 |
| Return on Equity (ROE) | 0.9543% | 4,919 |
| Retained earnings to average equity (ytd only) | 0.9543% | 4,397 |
| Net charge-offs to loans | 0.0090% | 3,362 |
| Credit loss provision to net charge-offs | 387.5000% | 725 |
| Earnings coverage of net charge-offs (x) | 61.1250% | 967 |
| Efficiency ratio | 91.4660% | 299 |
| Assets per employee ($millions) | 4.4976% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5288% | 4,855 |
| Loan loss allowance to noncurrent loans | 249.7487% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,053 |
| Noncurrent loans to loans | 0.2117% | 3,703 |
| Net loans and leases to total assets | 54.7066% | 4,030 |
| Net loans and leases to deposits | 75.5680% | 3,220 |
| Net loans and leases to core deposits | 83.1027% | 3,032 |
| Total domestic deposits to total assets | 72.3939% | 4,853 |
| Equity capital to assets | 22.3062% | 173 |
| Core capital (leverage) ratio | 21.9780% | 174 |
| Tier 1 risk-based capital ratio | 58.8511% | 96 |
| Total risk-based capital ratio | 59.6165% | 98 |
| Memoranda: | ||
| Average total assets | $175,190,400 | 3,064 |
| Average earning assets | $167,506,600 | 3,017 |
| Average equity | $37,725,000 | 2,020 |
| Average total loans | $88,684,200 | 3,432 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4646% | 4,977 |
| Cost of funding earning assets | 0.7042% | 3,202 |
| Net interest margin | 2.7604% | 4,885 |
| Noninterest income to average assets | 0.6747% | 1,891 |
| Noninterest expense to average assets | 2.9766% | 2,042 |
| Loan and lease loss provision to assets | 0.0212% | 3,491 |
| Net operating income to assets | 0.2287% | 4,927 |
| Return on assets (ROA) | 0.2496% | 4,920 |
| Pretax return on assets | 0.3427% | 4,860 |
| Return on Equity (ROE) | 1.1694% | 4,997 |
| Retained earnings to average equity (ytd only) | 1.1694% | 4,522 |
| Net charge-offs to loans | 0.0107% | 2,984 |
| Credit loss provision to net charge-offs | 400.0000% | 752 |
| Earnings coverage of net charge-offs (x) | 63.7353% | 1,023 |
| Efficiency ratio | 89.8197% | 329 |
| Assets per employee ($millions) | 4.5964% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5638% | 4,875 |
| Loan loss allowance to noncurrent loans | 165.5518% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 3,891 |
| Noncurrent loans to loans | 0.3405% | 3,317 |
| Net loans and leases to total assets | 49.9863% | 4,429 |
| Net loans and leases to deposits | 68.4777% | 3,887 |
| Net loans and leases to core deposits | 75.4592% | 3,729 |
| Total domestic deposits to total assets | 72.9964% | 4,865 |
| Equity capital to assets | 21.8485% | 187 |
| Core capital (leverage) ratio | 21.5870% | 183 |
| Tier 1 risk-based capital ratio | 61.0053% | 90 |
| Total risk-based capital ratio | 61.7962% | 90 |
| Memoranda: | ||
| Average total assets | $176,261,000 | 3,091 |
| Average earning assets | $168,520,500 | 3,031 |
| Average equity | $37,625,500 | 2,036 |
| Average total loans | $87,356,500 | 3,504 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 5,021 |
| Cost of funding earning assets | 0.6824% | 3,262 |
| Net interest margin | 2.7993% | 4,931 |
| Noninterest income to average assets | 0.5916% | 2,187 |
| Noninterest expense to average assets | 2.9401% | 2,166 |
| Loan and lease loss provision to assets | 0.0226% | 3,355 |
| Net operating income to assets | 0.2176% | 4,975 |
| Return on assets (ROA) | 0.2489% | 4,954 |
| Pretax return on assets | 0.3462% | 4,891 |
| Return on Equity (ROE) | 1.1750% | 5,030 |
| Retained earnings to average equity (ytd only) | 1.1750% | 4,384 |
| Net charge-offs to loans | 0.0046% | 3,003 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 145.5000% | 511 |
| Efficiency ratio | 89.9308% | 353 |
| Assets per employee ($millions) | 4.4975% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5407% | 4,962 |
| Loan loss allowance to noncurrent loans | 152.3220% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,865 |
| Noncurrent loans to loans | 0.3550% | 3,271 |
| Net loans and leases to total assets | 50.3077% | 4,455 |
| Net loans and leases to deposits | 68.2349% | 3,952 |
| Net loans and leases to core deposits | 77.1521% | 3,635 |
| Total domestic deposits to total assets | 73.7272% | 4,852 |
| Equity capital to assets | 21.1016% | 206 |
| Core capital (leverage) ratio | 21.2314% | 185 |
| Tier 1 risk-based capital ratio | 59.4149% | 91 |
| Total risk-based capital ratio | 60.1826% | 91 |
| Memoranda: | ||
| Average total assets | $176,794,000 | 3,092 |
| Average earning assets | $169,116,330 | 3,036 |
| Average equity | $37,447,000 | 2,040 |
| Average total loans | $87,208,000 | 3,521 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5148% | 5,035 |
| Cost of funding earning assets | 0.6451% | 3,342 |
| Net interest margin | 2.8697% | 4,914 |
| Noninterest income to average assets | 0.3698% | 3,377 |
| Noninterest expense to average assets | 2.9240% | 2,205 |
| Loan and lease loss provision to assets | 0.0297% | 3,025 |
| Net operating income to assets | 0.1164% | 5,081 |
| Return on assets (ROA) | 0.1164% | 5,088 |
| Pretax return on assets | 0.1575% | 5,065 |
| Return on Equity (ROE) | 0.5485% | 5,113 |
| Retained earnings to average equity (ytd only) | 0.5485% | 4,421 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9839% | 276 |
| Assets per employee ($millions) | 4.7024% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5618% | 5,002 |
| Loan loss allowance to noncurrent loans | 132.3370% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 3,790 |
| Noncurrent loans to loans | 0.4246% | 3,066 |
| Net loans and leases to total assets | 48.2352% | 4,576 |
| Net loans and leases to deposits | 65.5500% | 4,090 |
| Net loans and leases to core deposits | 73.8282% | 3,805 |
| Total domestic deposits to total assets | 73.5854% | 4,963 |
| Equity capital to assets | 20.9135% | 202 |
| Core capital (leverage) ratio | 21.6319% | 178 |
| Tier 1 risk-based capital ratio | 61.1499% | 86 |
| Total risk-based capital ratio | 61.9353% | 89 |
| Memoranda: | ||
| Average total assets | $175,240,500 | 3,141 |
| Average earning assets | $167,405,000 | 3,087 |
| Average equity | $37,189,500 | 2,051 |
| Average total loans | $85,314,000 | 3,590 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2099% | 5,144 |
| Cost of funding earning assets | 0.5393% | 3,117 |
| Net interest margin | 2.6706% | 5,117 |
| Noninterest income to average assets | 0.3910% | 3,488 |
| Noninterest expense to average assets | 2.7800% | 2,753 |
| Loan and lease loss provision to assets | 0.0667% | 2,819 |
| Net operating income to assets | 0.0430% | 5,212 |
| Return on assets (ROA) | 0.0465% | 5,206 |
| Pretax return on assets | 0.0968% | 5,179 |
| Return on Equity (ROE) | 0.2293% | 5,215 |
| Retained earnings to average equity (ytd only) | 0.2293% | 4,922 |
| Net charge-offs to loans | 0.1584% | 1,214 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 2.3852% | 3,525 |
| Efficiency ratio | 94.5860% | 231 |
| Assets per employee ($millions) | 4.2947% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5646% | 5,029 |
| Loan loss allowance to noncurrent loans | 94.4223% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 3,409 |
| Noncurrent loans to loans | 0.5980% | 2,488 |
| Net loans and leases to total assets | 48.5913% | 4,601 |
| Net loans and leases to deposits | 66.9200% | 4,054 |
| Net loans and leases to core deposits | 72.7487% | 3,937 |
| Total domestic deposits to total assets | 72.6110% | 5,037 |
| Equity capital to assets | 21.5428% | 179 |
| Core capital (leverage) ratio | 21.4841% | 178 |
| Tier 1 risk-based capital ratio | 62.7985% | 85 |
| Total risk-based capital ratio | 63.5851% | 85 |
| Memoranda: | ||
| Average total assets | $182,875,200 | 3,026 |
| Average earning assets | $174,490,400 | 2,986 |
| Average equity | $37,074,800 | 1,981 |
| Average total loans | $77,018,600 | 3,725 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1437% | 5,224 |
| Cost of funding earning assets | 0.5297% | 2,997 |
| Net interest margin | 2.6140% | 5,212 |
| Noninterest income to average assets | 0.3871% | 3,551 |
| Noninterest expense to average assets | 2.7306% | 2,874 |
| Loan and lease loss provision to assets | -0.0136% | 5,224 |
| Net operating income to assets | 0.1652% | 5,218 |
| Return on assets (ROA) | 0.1709% | 5,207 |
| Pretax return on assets | 0.1709% | 5,218 |
| Return on Equity (ROE) | 0.8555% | 5,248 |
| Retained earnings to average equity (ytd only) | 0.8555% | 4,890 |
| Net charge-offs to loans | 0.0089% | 3,103 |
| Credit loss provision to net charge-offs | -380.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | 42.1784% | 1,310 |
| Efficiency ratio | 94.7421% | 230 |
| Assets per employee ($millions) | 4.4320% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5529% | 5,121 |
| Loan loss allowance to noncurrent loans | 94.9367% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 3,614 |
| Noncurrent loans to loans | 0.5823% | 2,634 |
| Net loans and leases to total assets | 45.6600% | 4,818 |
| Net loans and leases to deposits | 63.1173% | 4,383 |
| Net loans and leases to core deposits | 67.9493% | 4,299 |
| Total domestic deposits to total assets | 72.3415% | 5,101 |
| Equity capital to assets | 20.7863% | 201 |
| Core capital (leverage) ratio | 20.9955% | 195 |
| Tier 1 risk-based capital ratio | 63.0279% | 79 |
| Total risk-based capital ratio | 63.7732% | 79 |
| Memoranda: | ||
| Average total assets | $185,647,000 | 3,021 |
| Average earning assets | $177,197,500 | 2,974 |
| Average equity | $37,091,500 | 1,983 |
| Average total loans | $75,286,250 | 3,804 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0937% | 5,290 |
| Cost of funding earning assets | 0.5403% | 2,685 |
| Net interest margin | 2.5534% | 5,304 |
| Noninterest income to average assets | 0.4012% | 3,483 |
| Noninterest expense to average assets | 2.6874% | 3,056 |
| Loan and lease loss provision to assets | -0.0202% | 5,325 |
| Net operating income to assets | 0.1719% | 5,249 |
| Return on assets (ROA) | 0.1794% | 5,238 |
| Pretax return on assets | 0.1794% | 5,254 |
| Return on Equity (ROE) | 0.9093% | 5,279 |
| Retained earnings to average equity (ytd only) | 0.9093% | 4,778 |
| Net charge-offs to loans | 0.0082% | 2,831 |
| Credit loss provision to net charge-offs | -633.3333% | 4,416 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 1,159 |
| Efficiency ratio | 94.6542% | 244 |
| Assets per employee ($millions) | 4.6065% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5883% | 5,121 |
| Loan loss allowance to noncurrent loans | 82.4818% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 3,570 |
| Noncurrent loans to loans | 0.7133% | 2,326 |
| Net loans and leases to total assets | 41.4488% | 5,005 |
| Net loans and leases to deposits | 58.2932% | 4,623 |
| Net loans and leases to core deposits | 62.7683% | 4,572 |
| Total domestic deposits to total assets | 71.1040% | 5,230 |
| Equity capital to assets | 19.9945% | 231 |
| Core capital (leverage) ratio | 20.1898% | 220 |
| Tier 1 risk-based capital ratio | 63.9340% | 80 |
| Total risk-based capital ratio | 64.6946% | 80 |
| Memoranda: | ||
| Average total assets | $188,436,000 | 3,018 |
| Average earning assets | $179,915,000 | 2,966 |
| Average equity | $37,172,000 | 1,981 |
| Average total loans | $73,249,670 | 3,863 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0676% | 5,334 |
| Cost of funding earning assets | 0.5476% | 2,425 |
| Net interest margin | 2.5201% | 5,379 |
| Noninterest income to average assets | 0.4283% | 3,256 |
| Noninterest expense to average assets | 2.5782% | 3,401 |
| Loan and lease loss provision to assets | -0.0231% | 5,432 |
| Net operating income to assets | 0.2792% | 5,126 |
| Return on assets (ROA) | 0.2939% | 5,106 |
| Pretax return on assets | 0.2939% | 5,174 |
| Return on Equity (ROE) | 1.4999% | 5,254 |
| Retained earnings to average equity (ytd only) | 1.4999% | 4,491 |
| Net charge-offs to loans | 0.0168% | 2,175 |
| Credit loss provision to net charge-offs | -366.6667% | 3,928 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,056 |
| Efficiency ratio | 90.9630% | 401 |
| Assets per employee ($millions) | 4.8651% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6493% | 5,105 |
| Loan loss allowance to noncurrent loans | 70.6605% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 3,468 |
| Noncurrent loans to loans | 0.9189% | 1,981 |
| Net loans and leases to total assets | 37.0967% | 5,171 |
| Net loans and leases to deposits | 53.7342% | 4,809 |
| Net loans and leases to core deposits | 58.7175% | 4,714 |
| Total domestic deposits to total assets | 69.0375% | 5,390 |
| Equity capital to assets | 19.6180% | 229 |
| Core capital (leverage) ratio | 19.9569% | 215 |
| Tier 1 risk-based capital ratio | 65.1013% | 77 |
| Total risk-based capital ratio | 65.8900% | 77 |
| Memoranda: | ||
| Average total assets | $190,523,500 | 3,027 |
| Average earning assets | $181,900,500 | 2,974 |
| Average equity | $37,337,000 | 1,984 |
| Average total loans | $71,461,500 | 3,938 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9170% | 5,404 |
| Cost of funding earning assets | 0.5835% | 1,719 |
| Net interest margin | 2.3335% | 5,495 |
| Noninterest income to average assets | 0.5662% | 2,621 |
| Noninterest expense to average assets | 2.4309% | 3,985 |
| Loan and lease loss provision to assets | -0.0414% | 5,381 |
| Net operating income to assets | -0.0852% | 5,413 |
| Return on assets (ROA) | -0.0839% | 5,413 |
| Pretax return on assets | 0.4020% | 5,086 |
| Return on Equity (ROE) | -0.4315% | 5,396 |
| Retained earnings to average equity (ytd only) | -0.4315% | 5,108 |
| Net charge-offs to loans | 0.2744% | 954 |
| Credit loss provision to net charge-offs | -40.0990% | 4,636 |
| Earnings coverage of net charge-offs (x) | 3.4703% | 3,604 |
| Efficiency ratio | 87.1470% | 579 |
| Assets per employee ($millions) | 4.9053% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 5,144 |
| Loan loss allowance to noncurrent loans | 75.8400% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 3,567 |
| Noncurrent loans to loans | 0.8671% | 2,057 |
| Net loans and leases to total assets | 37.4276% | 5,245 |
| Net loans and leases to deposits | 54.4113% | 4,876 |
| Net loans and leases to core deposits | 59.4227% | 4,784 |
| Total domestic deposits to total assets | 68.7865% | 5,448 |
| Equity capital to assets | 19.5763% | 225 |
| Core capital (leverage) ratio | 19.3764% | 219 |
| Tier 1 risk-based capital ratio | 64.5206% | 72 |
| Total risk-based capital ratio | 65.3305% | 72 |
| Memoranda: | ||
| Average total assets | $195,522,200 | 2,964 |
| Average earning assets | $186,286,600 | 2,905 |
| Average equity | $38,004,000 | 1,930 |
| Average total loans | $73,620,200 | 3,882 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9111% | 5,476 |
| Cost of funding earning assets | 0.5862% | 1,630 |
| Net interest margin | 2.3249% | 5,559 |
| Noninterest income to average assets | 0.6009% | 2,486 |
| Noninterest expense to average assets | 2.4051% | 4,007 |
| Loan and lease loss provision to assets | -0.0495% | 5,526 |
| Net operating income to assets | 0.4017% | 4,997 |
| Return on assets (ROA) | 0.4029% | 5,025 |
| Pretax return on assets | 0.4605% | 5,099 |
| Return on Equity (ROE) | 2.0764% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.0764% | 4,610 |
| Net charge-offs to loans | 0.3603% | 583 |
| Credit loss provision to net charge-offs | -36.5000% | 4,421 |
| Earnings coverage of net charge-offs (x) | 3.0200% | 3,391 |
| Efficiency ratio | 85.4458% | 656 |
| Assets per employee ($millions) | 5.2949% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6696% | 5,205 |
| Loan loss allowance to noncurrent loans | 79.8680% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 3,828 |
| Noncurrent loans to loans | 0.8383% | 2,263 |
| Net loans and leases to total assets | 36.6505% | 5,324 |
| Net loans and leases to deposits | 52.9173% | 5,009 |
| Net loans and leases to core deposits | 57.6472% | 4,928 |
| Total domestic deposits to total assets | 69.2598% | 5,500 |
| Equity capital to assets | 19.6235% | 242 |
| Core capital (leverage) ratio | 19.5638% | 225 |
| Tier 1 risk-based capital ratio | 63.8723% | 77 |
| Total risk-based capital ratio | 64.6750% | 78 |
| Memoranda: | ||
| Average total assets | $196,575,750 | 2,980 |
| Average earning assets | $187,187,500 | 2,917 |
| Average equity | $38,142,250 | 1,946 |
| Average total loans | $74,006,250 | 3,902 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8896% | 5,514 |
| Cost of funding earning assets | 0.5897% | 1,515 |
| Net interest margin | 2.2999% | 5,607 |
| Noninterest income to average assets | 0.6433% | 2,235 |
| Noninterest expense to average assets | 2.4452% | 3,928 |
| Loan and lease loss provision to assets | -0.1443% | 5,677 |
| Net operating income to assets | 0.4444% | 4,864 |
| Return on assets (ROA) | 0.4461% | 4,885 |
| Pretax return on assets | 0.5325% | 4,950 |
| Return on Equity (ROE) | 2.3080% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.3080% | 4,296 |
| Net charge-offs to loans | -0.1341% | 5,496 |
| Credit loss provision to net charge-offs | 284.0000% | 997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3604% | 666 |
| Assets per employee ($millions) | 5.3205% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 4,692 |
| Loan loss allowance to noncurrent loans | 76.8786% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 3,320 |
| Noncurrent loans to loans | 1.1540% | 1,694 |
| Net loans and leases to total assets | 37.7386% | 5,312 |
| Net loans and leases to deposits | 54.3520% | 4,946 |
| Net loans and leases to core deposits | 58.7648% | 4,886 |
| Total domestic deposits to total assets | 69.4336% | 5,557 |
| Equity capital to assets | 19.4872% | 243 |
| Core capital (leverage) ratio | 19.4843% | 221 |
| Tier 1 risk-based capital ratio | 62.0791% | 78 |
| Total risk-based capital ratio | 63.1551% | 78 |
| Memoranda: | ||
| Average total assets | $196,796,670 | 2,995 |
| Average earning assets | $187,223,000 | 2,939 |
| Average equity | $38,041,330 | 1,951 |
| Average total loans | $74,579,330 | 3,908 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8208% | 5,587 |
| Cost of funding earning assets | 0.5928% | 1,428 |
| Net interest margin | 2.2279% | 5,690 |
| Noninterest income to average assets | 0.3700% | 3,891 |
| Noninterest expense to average assets | 2.4557% | 3,947 |
| Loan and lease loss provision to assets | -0.2765% | 5,815 |
| Net operating income to assets | 0.3070% | 5,176 |
| Return on assets (ROA) | 0.3110% | 5,189 |
| Pretax return on assets | 0.3110% | 5,300 |
| Return on Equity (ROE) | 1.6156% | 5,398 |
| Retained earnings to average equity (ytd only) | 1.6156% | 4,459 |
| Net charge-offs to loans | -0.2688% | 5,671 |
| Credit loss provision to net charge-offs | 272.0000% | 839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7735% | 247 |
| Assets per employee ($millions) | 5.5031% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 4,734 |
| Loan loss allowance to noncurrent loans | 67.3019% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 2,700 |
| Noncurrent loans to loans | 1.3459% | 1,503 |
| Net loans and leases to total assets | 37.0531% | 5,364 |
| Net loans and leases to deposits | 53.0666% | 4,986 |
| Net loans and leases to core deposits | 57.1083% | 4,921 |
| Total domestic deposits to total assets | 69.8238% | 5,637 |
| Equity capital to assets | 19.1790% | 239 |
| Core capital (leverage) ratio | 19.4825% | 214 |
| Tier 1 risk-based capital ratio | 61.1162% | 81 |
| Total risk-based capital ratio | 62.1932% | 81 |
| Memoranda: | ||
| Average total assets | $196,766,500 | 3,027 |
| Average earning assets | $186,900,500 | 2,973 |
| Average equity | $37,881,000 | 1,966 |
| Average total loans | $74,391,000 | 3,942 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7762% | 5,657 |
| Cost of funding earning assets | 0.6507% | 1,052 |
| Net interest margin | 2.1255% | 5,780 |
| Noninterest income to average assets | 0.6041% | 2,644 |
| Noninterest expense to average assets | 2.6360% | 3,566 |
| Loan and lease loss provision to assets | -0.2408% | 5,807 |
| Net operating income to assets | 0.2282% | 5,361 |
| Return on assets (ROA) | 0.3633% | 5,131 |
| Pretax return on assets | 0.3633% | 5,279 |
| Return on Equity (ROE) | 1.9003% | 5,424 |
| Retained earnings to average equity (ytd only) | 1.9003% | 4,453 |
| Net charge-offs to loans | -0.1637% | 5,703 |
| Credit loss provision to net charge-offs | 376.3780% | 831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4801% | 219 |
| Assets per employee ($millions) | 5.4283% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 4,233 |
| Loan loss allowance to noncurrent loans | 69.0693% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 2,613 |
| Noncurrent loans to loans | 1.4671% | 1,380 |
| Net loans and leases to total assets | 37.8400% | 5,408 |
| Net loans and leases to deposits | 54.4380% | 4,994 |
| Net loans and leases to core deposits | 58.6462% | 4,924 |
| Total domestic deposits to total assets | 69.5103% | 5,683 |
| Equity capital to assets | 19.3256% | 227 |
| Core capital (leverage) ratio | 19.2530% | 217 |
| Tier 1 risk-based capital ratio | 59.5837% | 83 |
| Total risk-based capital ratio | 60.7730% | 81 |
| Memoranda: | ||
| Average total assets | $198,485,400 | 2,970 |
| Average earning assets | $188,565,200 | 2,910 |
| Average equity | $37,941,400 | 1,929 |
| Average total loans | $77,580,600 | 3,857 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8138% | 5,708 |
| Cost of funding earning assets | 0.6614% | 1,000 |
| Net interest margin | 2.1525% | 5,837 |
| Noninterest income to average assets | 0.6444% | 2,455 |
| Noninterest expense to average assets | 2.6713% | 3,425 |
| Loan and lease loss provision to assets | -0.3446% | 5,920 |
| Net operating income to assets | 0.3627% | 5,138 |
| Return on assets (ROA) | 0.5420% | 4,637 |
| Pretax return on assets | 0.5420% | 5,033 |
| Return on Equity (ROE) | 2.8431% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.8431% | 4,190 |
| Net charge-offs to loans | -0.2265% | 5,790 |
| Credit loss provision to net charge-offs | 387.2180% | 859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3282% | 237 |
| Assets per employee ($millions) | 5.4936% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 4,576 |
| Loan loss allowance to noncurrent loans | 109.0090% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 3,114 |
| Noncurrent loans to loans | 0.8881% | 2,484 |
| Net loans and leases to total assets | 37.5520% | 5,489 |
| Net loans and leases to deposits | 53.9453% | 5,114 |
| Net loans and leases to core deposits | 58.2459% | 5,038 |
| Total domestic deposits to total assets | 69.6113% | 5,719 |
| Equity capital to assets | 19.4063% | 248 |
| Core capital (leverage) ratio | 19.2603% | 222 |
| Tier 1 risk-based capital ratio | 51.7938% | 125 |
| Total risk-based capital ratio | 52.7830% | 126 |
| Memoranda: | ||
| Average total assets | $199,251,750 | 2,970 |
| Average earning assets | $189,297,750 | 2,917 |
| Average equity | $37,985,250 | 1,938 |
| Average total loans | $78,299,750 | 3,870 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8190% | 5,794 |
| Cost of funding earning assets | 0.6800% | 893 |
| Net interest margin | 2.1390% | 5,919 |
| Noninterest income to average assets | 0.7097% | 2,099 |
| Noninterest expense to average assets | 2.6191% | 3,662 |
| Loan and lease loss provision to assets | -0.0992% | 5,875 |
| Net operating income to assets | 0.2235% | 5,484 |
| Return on assets (ROA) | 0.4681% | 4,901 |
| Pretax return on assets | 0.4681% | 5,204 |
| Return on Equity (ROE) | 2.4785% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.4785% | 4,307 |
| Net charge-offs to loans | 0.5894% | 357 |
| Credit loss provision to net charge-offs | -42.3077% | 4,514 |
| Earnings coverage of net charge-offs (x) | 0.5299% | 3,515 |
| Efficiency ratio | 95.4695% | 365 |
| Assets per employee ($millions) | 5.5504% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,626 |
| Loan loss allowance to noncurrent loans | 95.4433% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 2,763 |
| Noncurrent loans to loans | 1.0246% | 2,241 |
| Net loans and leases to total assets | 39.2756% | 5,456 |
| Net loans and leases to deposits | 56.1402% | 5,003 |
| Net loans and leases to core deposits | 60.3852% | 4,965 |
| Total domestic deposits to total assets | 69.9599% | 5,784 |
| Equity capital to assets | 19.1331% | 255 |
| Core capital (leverage) ratio | 19.0641% | 228 |
| Tier 1 risk-based capital ratio | 49.8881% | 135 |
| Total risk-based capital ratio | 50.9144% | 134 |
| Memoranda: | ||
| Average total assets | $199,533,670 | 2,981 |
| Average earning assets | $189,715,000 | 2,933 |
| Average equity | $37,684,330 | 1,954 |
| Average total loans | $79,402,000 | 3,860 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8409% | 5,828 |
| Cost of funding earning assets | 0.7456% | 648 |
| Net interest margin | 2.0953% | 5,995 |
| Noninterest income to average assets | 0.5778% | 2,646 |
| Noninterest expense to average assets | 2.5377% | 3,953 |
| Loan and lease loss provision to assets | -0.0702% | 5,963 |
| Net operating income to assets | 0.1003% | 5,681 |
| Return on assets (ROA) | 0.5296% | 4,615 |
| Pretax return on assets | 0.5296% | 5,010 |
| Return on Equity (ROE) | 2.8227% | 5,291 |
| Retained earnings to average equity (ytd only) | 2.8227% | 4,104 |
| Net charge-offs to loans | 1.1827% | 153 |
| Credit loss provision to net charge-offs | -14.8936% | 4,092 |
| Earnings coverage of net charge-offs (x) | 0.0638% | 2,972 |
| Efficiency ratio | 98.8281% | 317 |
| Assets per employee ($millions) | 5.3414% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 4,245 |
| Loan loss allowance to noncurrent loans | 113.3965% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 2,862 |
| Noncurrent loans to loans | 0.9412% | 2,494 |
| Net loans and leases to total assets | 39.3046% | 5,495 |
| Net loans and leases to deposits | 56.3930% | 4,956 |
| Net loans and leases to core deposits | 60.8414% | 4,882 |
| Total domestic deposits to total assets | 69.6976% | 5,878 |
| Equity capital to assets | 19.1235% | 250 |
| Core capital (leverage) ratio | 18.7278% | 248 |
| Tier 1 risk-based capital ratio | 49.0559% | 137 |
| Total risk-based capital ratio | 50.1532% | 138 |
| Memoranda: | ||
| Average total assets | $199,392,500 | 2,993 |
| Average earning assets | $189,375,000 | 2,939 |
| Average equity | $37,411,000 | 1,965 |
| Average total loans | $79,476,000 | 3,869 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9030% | 5,809 |
| Cost of funding earning assets | 0.7788% | 547 |
| Net interest margin | 2.1242% | 6,016 |
| Noninterest income to average assets | 0.5154% | 3,226 |
| Noninterest expense to average assets | 2.4416% | 4,405 |
| Loan and lease loss provision to assets | 0.1235% | 1,945 |
| Net operating income to assets | 0.0804% | 5,779 |
| Return on assets (ROA) | 0.0903% | 5,811 |
| Pretax return on assets | -0.0089% | 5,891 |
| Return on Equity (ROE) | 0.4892% | 5,840 |
| Retained earnings to average equity (ytd only) | 0.4892% | 5,322 |
| Net charge-offs to loans | 0.0421% | 3,378 |
| Credit loss provision to net charge-offs | 711.4286% | 468 |
| Earnings coverage of net charge-offs (x) | 5.7143% | 3,337 |
| Efficiency ratio | 96.0953% | 393 |
| Assets per employee ($millions) | 5.5876% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 2,525 |
| Loan loss allowance to noncurrent loans | 49.6638% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.1091% | 1,976 |
| Noncurrent loans to loans | 2.7736% | 625 |
| Net loans and leases to total assets | 39.4365% | 5,549 |
| Net loans and leases to deposits | 57.8749% | 4,919 |
| Net loans and leases to core deposits | 62.7501% | 4,817 |
| Total domestic deposits to total assets | 68.1408% | 5,968 |
| Equity capital to assets | 18.4078% | 285 |
| Core capital (leverage) ratio | 18.3389% | 271 |
| Tier 1 risk-based capital ratio | 47.0255% | 146 |
| Total risk-based capital ratio | 48.2774% | 145 |
| Memoranda: | ||
| Average total assets | $201,591,200 | 2,933 |
| Average earning assets | $192,216,800 | 2,870 |
| Average equity | $37,207,000 | 1,923 |
| Average total loans | $83,098,600 | 3,740 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9131% | 5,879 |
| Cost of funding earning assets | 0.7780% | 567 |
| Net interest margin | 2.1351% | 6,089 |
| Noninterest income to average assets | 0.5387% | 3,115 |
| Noninterest expense to average assets | 2.4465% | 4,367 |
| Loan and lease loss provision to assets | 0.0469% | 3,266 |
| Net operating income to assets | 0.0826% | 5,871 |
| Return on assets (ROA) | 0.0925% | 5,896 |
| Pretax return on assets | 0.0925% | 5,896 |
| Return on Equity (ROE) | 0.5011% | 5,923 |
| Retained earnings to average equity (ytd only) | 0.5011% | 5,477 |
| Net charge-offs to loans | 0.0446% | 3,005 |
| Credit loss provision to net charge-offs | 253.5714% | 1,125 |
| Earnings coverage of net charge-offs (x) | 7.0005% | 2,966 |
| Efficiency ratio | 94.9705% | 455 |
| Assets per employee ($millions) | 5.5223% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 4,014 |
| Loan loss allowance to noncurrent loans | 59.7196% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 2,980 |
| Noncurrent loans to loans | 1.9042% | 1,218 |
| Net loans and leases to total assets | 39.8685% | 5,596 |
| Net loans and leases to deposits | 58.3937% | 4,962 |
| Net loans and leases to core deposits | 63.0879% | 4,863 |
| Total domestic deposits to total assets | 68.2754% | 6,028 |
| Equity capital to assets | 18.3199% | 315 |
| Core capital (leverage) ratio | 18.4474% | 273 |
| Tier 1 risk-based capital ratio | 45.8003% | 171 |
| Total risk-based capital ratio | 46.9530% | 170 |
| Memoranda: | ||
| Average total assets | $201,700,500 | 2,950 |
| Average earning assets | $192,458,000 | 2,893 |
| Average equity | $37,251,750 | 1,932 |
| Average total loans | $83,764,250 | 3,761 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9473% | 5,898 |
| Cost of funding earning assets | 0.7802% | 554 |
| Net interest margin | 2.1672% | 6,158 |
| Noninterest income to average assets | 0.5248% | 3,198 |
| Noninterest expense to average assets | 2.4997% | 4,245 |
| Loan and lease loss provision to assets | 0.0697% | 2,715 |
| Net operating income to assets | 0.0219% | 5,968 |
| Return on assets (ROA) | 0.0368% | 5,997 |
| Pretax return on assets | 0.0368% | 5,989 |
| Return on Equity (ROE) | 0.1990% | 6,003 |
| Retained earnings to average equity (ytd only) | 0.1990% | 5,443 |
| Net charge-offs to loans | 0.0594% | 2,541 |
| Credit loss provision to net charge-offs | 280.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 3.6800% | 3,154 |
| Efficiency ratio | 96.4643% | 422 |
| Assets per employee ($millions) | 5.4780% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 4,275 |
| Loan loss allowance to noncurrent loans | 65.4812% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 3,176 |
| Noncurrent loans to loans | 1.6938% | 1,528 |
| Net loans and leases to total assets | 41.3056% | 5,549 |
| Net loans and leases to deposits | 60.6511% | 4,796 |
| Net loans and leases to core deposits | 65.5946% | 4,687 |
| Total domestic deposits to total assets | 68.1035% | 6,109 |
| Equity capital to assets | 18.3263% | 307 |
| Core capital (leverage) ratio | 18.4630% | 267 |
| Tier 1 risk-based capital ratio | 44.9134% | 197 |
| Total risk-based capital ratio | 46.0493% | 197 |
| Memoranda: | ||
| Average total assets | $200,826,000 | 2,983 |
| Average earning assets | $191,495,000 | 2,922 |
| Average equity | $37,191,670 | 1,941 |
| Average total loans | $84,219,670 | 3,777 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9502% | 5,945 |
| Cost of funding earning assets | 0.7806% | 565 |
| Net interest margin | 2.1697% | 6,222 |
| Noninterest income to average assets | 0.4182% | 3,856 |
| Noninterest expense to average assets | 2.4673% | 4,379 |
| Loan and lease loss provision to assets | 0.1721% | 1,143 |
| Net operating income to assets | -0.1521% | 6,126 |
| Return on assets (ROA) | -0.1221% | 6,136 |
| Pretax return on assets | -0.1221% | 6,128 |
| Return on Equity (ROE) | -0.6556% | 6,106 |
| Retained earnings to average equity (ytd only) | -0.6556% | 5,496 |
| Net charge-offs to loans | 0.1286% | 1,482 |
| Credit loss provision to net charge-offs | 318.5185% | 780 |
| Earnings coverage of net charge-offs (x) | 0.3704% | 3,064 |
| Efficiency ratio | 99.1955% | 388 |
| Assets per employee ($millions) | 5.3130% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 4,308 |
| Loan loss allowance to noncurrent loans | 59.1558% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 2,917 |
| Noncurrent loans to loans | 1.9300% | 1,381 |
| Net loans and leases to total assets | 40.8714% | 5,554 |
| Net loans and leases to deposits | 60.1901% | 4,733 |
| Net loans and leases to core deposits | 65.1556% | 4,599 |
| Total domestic deposits to total assets | 67.9039% | 6,202 |
| Equity capital to assets | 18.4904% | 292 |
| Core capital (leverage) ratio | 18.5909% | 258 |
| Tier 1 risk-based capital ratio | 45.0778% | 197 |
| Total risk-based capital ratio | 46.2379% | 193 |
| Memoranda: | ||
| Average total assets | $199,895,500 | 3,015 |
| Average earning assets | $190,628,000 | 2,938 |
| Average equity | $37,215,000 | 1,957 |
| Average total loans | $83,999,500 | 3,799 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0381% | 6,018 |
| Cost of funding earning assets | 0.8876% | 413 |
| Net interest margin | 2.1506% | 6,328 |
| Noninterest income to average assets | 0.3726% | 4,405 |
| Noninterest expense to average assets | 2.5370% | 4,430 |
| Loan and lease loss provision to assets | 0.0553% | 3,444 |
| Net operating income to assets | -0.0483% | 6,122 |
| Return on assets (ROA) | 0.0437% | 6,058 |
| Pretax return on assets | -0.0367% | 6,117 |
| Return on Equity (ROE) | 0.2376% | 6,082 |
| Retained earnings to average equity (ytd only) | 0.2376% | 5,672 |
| Net charge-offs to loans | 0.2115% | 1,975 |
| Credit loss provision to net charge-offs | 64.7059% | 3,188 |
| Earnings coverage of net charge-offs (x) | -1.4647% | 4,818 |
| Efficiency ratio | 105.1907% | 272 |
| Assets per employee ($millions) | 5.2078% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 4,777 |
| Loan loss allowance to noncurrent loans | 49.5565% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9747% | 2,808 |
| Noncurrent loans to loans | 2.1342% | 1,270 |
| Net loans and leases to total assets | 42.2619% | 5,595 |
| Net loans and leases to deposits | 62.7339% | 4,664 |
| Net loans and leases to core deposits | 67.8751% | 4,519 |
| Total domestic deposits to total assets | 67.3669% | 6,291 |
| Equity capital to assets | 18.7466% | 276 |
| Core capital (leverage) ratio | 18.7426% | 258 |
| Tier 1 risk-based capital ratio | 51.2052% | 128 |
| Total risk-based capital ratio | 52.4394% | 128 |
| Memoranda: | ||
| Average total assets | $198,896,800 | 3,014 |
| Average earning assets | $188,602,400 | 2,923 |
| Average equity | $36,621,400 | 1,920 |
| Average total loans | $80,366,200 | 3,866 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0217% | 6,115 |
| Cost of funding earning assets | 0.9069% | 403 |
| Net interest margin | 2.1149% | 6,419 |
| Noninterest income to average assets | 0.3448% | 4,682 |
| Noninterest expense to average assets | 2.5461% | 4,377 |
| Loan and lease loss provision to assets | 0.0790% | 2,765 |
| Net operating income to assets | -0.1016% | 6,220 |
| Return on assets (ROA) | 0.0201% | 6,141 |
| Pretax return on assets | -0.0870% | 6,195 |
| Return on Equity (ROE) | 0.1096% | 6,146 |
| Retained earnings to average equity (ytd only) | 0.1096% | 5,767 |
| Net charge-offs to loans | 0.2689% | 1,459 |
| Credit loss provision to net charge-offs | 73.7500% | 2,701 |
| Earnings coverage of net charge-offs (x) | -1.8500% | 4,560 |
| Efficiency ratio | 108.4403% | 240 |
| Assets per employee ($millions) | 5.2637% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 4,783 |
| Loan loss allowance to noncurrent loans | 60.2776% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 3,270 |
| Noncurrent loans to loans | 1.8117% | 1,779 |
| Net loans and leases to total assets | 41.2959% | 5,729 |
| Net loans and leases to deposits | 60.9077% | 4,858 |
| Net loans and leases to core deposits | 65.9597% | 4,719 |
| Total domestic deposits to total assets | 67.8007% | 6,357 |
| Equity capital to assets | 18.4242% | 308 |
| Core capital (leverage) ratio | 18.5151% | 274 |
| Tier 1 risk-based capital ratio | 50.6690% | 126 |
| Total risk-based capital ratio | 51.9168% | 126 |
| Memoranda: | ||
| Average total assets | $199,146,750 | 3,032 |
| Average earning assets | $188,629,000 | 2,952 |
| Average equity | $36,502,000 | 1,933 |
| Average total loans | $79,325,500 | 3,921 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9772% | 6,206 |
| Cost of funding earning assets | 0.9357% | 340 |
| Net interest margin | 2.0415% | 6,511 |
| Noninterest income to average assets | 0.3299% | 4,779 |
| Noninterest expense to average assets | 2.5828% | 4,297 |
| Loan and lease loss provision to assets | 0.0463% | 3,388 |
| Net operating income to assets | -0.1467% | 6,288 |
| Return on assets (ROA) | -0.0392% | 6,230 |
| Pretax return on assets | -0.2001% | 6,314 |
| Return on Equity (ROE) | -0.2144% | 6,223 |
| Retained earnings to average equity (ytd only) | -0.2144% | 5,720 |
| Net charge-offs to loans | 0.2797% | 1,424 |
| Credit loss provision to net charge-offs | 42.2018% | 2,895 |
| Earnings coverage of net charge-offs (x) | -2.9358% | 4,265 |
| Efficiency ratio | 114.2349% | 191 |
| Assets per employee ($millions) | 5.2391% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 4,961 |
| Loan loss allowance to noncurrent loans | 54.1641% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0232% | 3,023 |
| Noncurrent loans to loans | 2.0050% | 1,687 |
| Net loans and leases to total assets | 40.7642% | 5,762 |
| Net loans and leases to deposits | 60.3042% | 4,839 |
| Net loans and leases to core deposits | 64.6386% | 4,759 |
| Total domestic deposits to total assets | 67.5976% | 6,434 |
| Equity capital to assets | 18.5218% | 293 |
| Core capital (leverage) ratio | 18.5675% | 270 |
| Tier 1 risk-based capital ratio | 50.3220% | 132 |
| Total risk-based capital ratio | 51.5349% | 132 |
| Memoranda: | ||
| Average total assets | $198,855,670 | 3,047 |
| Average earning assets | $188,098,330 | 2,977 |
| Average equity | $36,385,330 | 1,927 |
| Average total loans | $77,930,000 | 3,976 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9350% | 6,300 |
| Cost of funding earning assets | 0.9698% | 309 |
| Net interest margin | 1.9652% | 6,599 |
| Noninterest income to average assets | 0.3361% | 4,687 |
| Noninterest expense to average assets | 2.5742% | 4,362 |
| Loan and lease loss provision to assets | 0.0503% | 3,093 |
| Net operating income to assets | -0.1306% | 6,302 |
| Return on assets (ROA) | 0.0845% | 6,088 |
| Pretax return on assets | -0.0966% | 6,285 |
| Return on Equity (ROE) | 0.4648% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.4648% | 5,394 |
| Net charge-offs to loans | 0.1845% | 1,617 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | -5.4286% | 3,579 |
| Efficiency ratio | 117.4472% | 197 |
| Assets per employee ($millions) | 5.5476% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,405 |
| Loan loss allowance to noncurrent loans | 28.1455% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 1.8807% | 1,837 |
| Noncurrent loans to loans | 4.4260% | 559 |
| Net loans and leases to total assets | 37.4715% | 5,982 |
| Net loans and leases to deposits | 55.1620% | 5,184 |
| Net loans and leases to core deposits | 59.3830% | 5,097 |
| Total domestic deposits to total assets | 67.9298% | 6,519 |
| Equity capital to assets | 18.2598% | 311 |
| Core capital (leverage) ratio | 18.5497% | 274 |
| Tier 1 risk-based capital ratio | 43.8326% | 187 |
| Total risk-based capital ratio | 44.9495% | 188 |
| Memoranda: | ||
| Average total assets | $198,741,500 | 3,068 |
| Average earning assets | $187,668,500 | 2,999 |
| Average equity | $36,141,000 | 1,934 |
| Average total loans | $75,872,000 | 4,072 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9591% | 6,379 |
| Cost of funding earning assets | 1.0588% | 342 |
| Net interest margin | 1.9003% | 6,667 |
| Noninterest income to average assets | 0.8408% | 1,901 |
| Noninterest expense to average assets | 2.5812% | 4,530 |
| Loan and lease loss provision to assets | 0.2757% | 1,273 |
| Net operating income to assets | -0.0644% | 6,266 |
| Return on assets (ROA) | -0.0338% | 6,281 |
| Pretax return on assets | -0.1709% | 6,335 |
| Return on Equity (ROE) | -0.1822% | 6,274 |
| Retained earnings to average equity (ytd only) | -0.1822% | 5,910 |
| Net charge-offs to loans | 0.1077% | 3,756 |
| Credit loss provision to net charge-offs | 628.7356% | 375 |
| Earnings coverage of net charge-offs (x) | 1.2989% | 4,634 |
| Efficiency ratio | 97.8410% | 546 |
| Assets per employee ($millions) | 5.3452% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,367 |
| Loan loss allowance to noncurrent loans | 26.7978% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 1.9487% | 1,853 |
| Noncurrent loans to loans | 4.6864% | 555 |
| Net loans and leases to total assets | 37.9282% | 6,098 |
| Net loans and leases to deposits | 55.8122% | 5,320 |
| Net loans and leases to core deposits | 59.9632% | 5,223 |
| Total domestic deposits to total assets | 67.9569% | 6,587 |
| Equity capital to assets | 18.1093% | 312 |
| Core capital (leverage) ratio | 18.7110% | 255 |
| Tier 1 risk-based capital ratio | 43.8474% | 183 |
| Total risk-based capital ratio | 44.9778% | 183 |
| Memoranda: | ||
| Average total assets | $198,393,800 | 3,051 |
| Average earning assets | $187,658,800 | 2,989 |
| Average equity | $36,766,400 | 1,881 |
| Average total loans | $80,772,200 | 3,911 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9632% | 6,454 |
| Cost of funding earning assets | 1.0688% | 360 |
| Net interest margin | 1.8944% | 6,749 |
| Noninterest income to average assets | 0.9576% | 1,587 |
| Noninterest expense to average assets | 2.5860% | 4,441 |
| Loan and lease loss provision to assets | 0.3935% | 778 |
| Net operating income to assets | -0.0403% | 6,334 |
| Return on assets (ROA) | -0.0309% | 6,364 |
| Pretax return on assets | -0.2135% | 6,476 |
| Return on Equity (ROE) | -0.1657% | 6,358 |
| Retained earnings to average equity (ytd only) | -0.1657% | 5,972 |
| Net charge-offs to loans | 0.0472% | 4,234 |
| Credit loss provision to net charge-offs | 2,020.6897% | 159 |
| Earnings coverage of net charge-offs (x) | 8.4818% | 2,618 |
| Efficiency ratio | 93.9956% | 735 |
| Assets per employee ($millions) | 5.1201% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 4,205 |
| Loan loss allowance to noncurrent loans | 23.7675% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 2.2315% | 1,782 |
| Noncurrent loans to loans | 5.6272% | 474 |
| Net loans and leases to total assets | 38.8268% | 6,117 |
| Net loans and leases to deposits | 57.3590% | 5,246 |
| Net loans and leases to core deposits | 61.6181% | 5,159 |
| Total domestic deposits to total assets | 67.6910% | 6,669 |
| Equity capital to assets | 18.1276% | 313 |
| Core capital (leverage) ratio | 18.5418% | 260 |
| Tier 1 risk-based capital ratio | 43.4357% | 195 |
| Total risk-based capital ratio | 44.6686% | 193 |
| Memoranda: | ||
| Average total assets | $198,549,500 | 3,077 |
| Average earning assets | $187,992,000 | 3,007 |
| Average equity | $37,004,250 | 1,882 |
| Average total loans | $81,974,000 | 3,915 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0023% | 6,448 |
| Cost of funding earning assets | 1.0729% | 380 |
| Net interest margin | 1.9294% | 6,787 |
| Noninterest income to average assets | 1.0334% | 1,428 |
| Noninterest expense to average assets | 2.6411% | 4,246 |
| Loan and lease loss provision to assets | 0.6520% | 376 |
| Net operating income to assets | -0.1560% | 6,459 |
| Return on assets (ROA) | -0.1534% | 6,495 |
| Pretax return on assets | -0.4279% | 6,603 |
| Return on Equity (ROE) | -0.8156% | 6,436 |
| Retained earnings to average equity (ytd only) | -0.8156% | 6,012 |
| Net charge-offs to loans | 0.0626% | 3,809 |
| Credit loss provision to net charge-offs | 2,484.6154% | 138 |
| Earnings coverage of net charge-offs (x) | 8.3846% | 2,401 |
| Efficiency ratio | 92.3104% | 874 |
| Assets per employee ($millions) | 5.0928% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 4,137 |
| Loan loss allowance to noncurrent loans | 24.8052% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 2.2782% | 1,903 |
| Noncurrent loans to loans | 5.5546% | 548 |
| Net loans and leases to total assets | 40.1460% | 6,031 |
| Net loans and leases to deposits | 59.4160% | 5,028 |
| Net loans and leases to core deposits | 63.6306% | 4,935 |
| Total domestic deposits to total assets | 67.5677% | 6,727 |
| Equity capital to assets | 18.1301% | 319 |
| Core capital (leverage) ratio | 18.5878% | 249 |
| Tier 1 risk-based capital ratio | 42.9996% | 193 |
| Total risk-based capital ratio | 44.2493% | 195 |
| Memoranda: | ||
| Average total assets | $198,171,330 | 3,089 |
| Average earning assets | $187,724,000 | 3,023 |
| Average equity | $37,273,000 | 1,877 |
| Average total loans | $83,104,670 | 3,895 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0467% | 6,461 |
| Cost of funding earning assets | 1.0822% | 409 |
| Net interest margin | 1.9645% | 6,854 |
| Noninterest income to average assets | 0.9194% | 1,691 |
| Noninterest expense to average assets | 2.7058% | 4,032 |
| Loan and lease loss provision to assets | 0.0364% | 3,983 |
| Net operating income to assets | 0.0445% | 6,270 |
| Return on assets (ROA) | 0.0445% | 6,353 |
| Pretax return on assets | 0.0445% | 6,350 |
| Return on Equity (ROE) | 0.2322% | 6,386 |
| Retained earnings to average equity (ytd only) | 0.2322% | 5,709 |
| Net charge-offs to loans | 0.1140% | 2,744 |
| Credit loss provision to net charge-offs | 75.0000% | 2,223 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 3,273 |
| Efficiency ratio | 97.0993% | 674 |
| Assets per employee ($millions) | 5.1326% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 6,722 |
| Loan loss allowance to noncurrent loans | 12.6392% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 1.9458% | 2,413 |
| Noncurrent loans to loans | 4.6528% | 871 |
| Net loans and leases to total assets | 41.2123% | 5,901 |
| Net loans and leases to deposits | 61.5464% | 4,606 |
| Net loans and leases to core deposits | 65.8869% | 4,547 |
| Total domestic deposits to total assets | 66.9612% | 6,829 |
| Equity capital to assets | 18.8824% | 283 |
| Core capital (leverage) ratio | 18.5307% | 259 |
| Tier 1 risk-based capital ratio | 43.7831% | 185 |
| Total risk-based capital ratio | 44.3591% | 189 |
| Memoranda: | ||
| Average total assets | $197,947,000 | 3,118 |
| Average earning assets | $188,140,500 | 3,040 |
| Average equity | $37,904,500 | 1,870 |
| Average total loans | $84,231,000 | 3,894 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 6,251 |
| Cost of funding earning assets | 1.1768% | 641 |
| Net interest margin | 2.4030% | 6,778 |
| Noninterest income to average assets | 1.3917% | 803 |
| Noninterest expense to average assets | 2.8609% | 3,808 |
| Loan and lease loss provision to assets | 0.2763% | 2,440 |
| Net operating income to assets | 0.3667% | 5,230 |
| Return on assets (ROA) | 0.3743% | 5,431 |
| Pretax return on assets | 0.5526% | 5,125 |
| Return on Equity (ROE) | 1.9448% | 5,920 |
| Retained earnings to average equity (ytd only) | 1.9448% | 4,851 |
| Net charge-offs to loans | 0.3602% | 2,831 |
| Credit loss provision to net charge-offs | 164.4377% | 1,631 |
| Earnings coverage of net charge-offs (x) | 4.8663% | 3,222 |
| Efficiency ratio | 77.7732% | 2,483 |
| Assets per employee ($millions) | 5.0185% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5779% | 6,786 |
| Loan loss allowance to noncurrent loans | 16.2020% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 1.5752% | 3,024 |
| Noncurrent loans to loans | 3.5670% | 1,385 |
| Net loans and leases to total assets | 43.4211% | 5,869 |
| Net loans and leases to deposits | 65.8115% | 4,315 |
| Net loans and leases to core deposits | 70.8900% | 4,183 |
| Total domestic deposits to total assets | 65.9779% | 6,900 |
| Equity capital to assets | 19.4213% | 244 |
| Core capital (leverage) ratio | 18.9405% | 235 |
| Tier 1 risk-based capital ratio | 43.6684% | 183 |
| Total risk-based capital ratio | 44.2503% | 188 |
| Memoranda: | ||
| Average total assets | $195,809,800 | 3,096 |
| Average earning assets | $186,347,000 | 3,012 |
| Average equity | $37,690,000 | 1,842 |
| Average total loans | $91,350,000 | 3,714 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 6,259 |
| Cost of funding earning assets | 1.1883% | 728 |
| Net interest margin | 2.4910% | 6,830 |
| Noninterest income to average assets | 1.4461% | 720 |
| Noninterest expense to average assets | 2.7846% | 4,039 |
| Loan and lease loss provision to assets | 0.2233% | 2,828 |
| Net operating income to assets | 0.5201% | 4,764 |
| Return on assets (ROA) | 0.5297% | 4,980 |
| Pretax return on assets | 0.8238% | 4,397 |
| Return on Equity (ROE) | 2.7581% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.7581% | 4,902 |
| Net charge-offs to loans | 0.3922% | 2,523 |
| Credit loss provision to net charge-offs | 120.1465% | 2,412 |
| Earnings coverage of net charge-offs (x) | 5.5531% | 2,993 |
| Efficiency ratio | 72.9575% | 3,150 |
| Assets per employee ($millions) | 5.0754% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3845% | 7,018 |
| Loan loss allowance to noncurrent loans | 12.9566% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3140% | 3,667 |
| Noncurrent loans to loans | 2.9675% | 1,885 |
| Net loans and leases to total assets | 44.1111% | 5,963 |
| Net loans and leases to deposits | 66.6909% | 4,377 |
| Net loans and leases to core deposits | 71.5927% | 4,306 |
| Total domestic deposits to total assets | 66.1426% | 6,978 |
| Equity capital to assets | 19.2716% | 279 |
| Core capital (leverage) ratio | 18.7512% | 260 |
| Tier 1 risk-based capital ratio | 43.8231% | 188 |
| Total risk-based capital ratio | 44.2210% | 194 |
| Memoranda: | ||
| Average total assets | $195,831,500 | 3,125 |
| Average earning assets | $186,373,750 | 3,032 |
| Average equity | $37,609,500 | 1,866 |
| Average total loans | $92,817,750 | 3,718 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7266% | 6,290 |
| Cost of funding earning assets | 1.2013% | 815 |
| Net interest margin | 2.5253% | 6,869 |
| Noninterest income to average assets | 1.5692% | 601 |
| Noninterest expense to average assets | 2.8760% | 3,725 |
| Loan and lease loss provision to assets | 0.1630% | 3,474 |
| Net operating income to assets | 0.5944% | 4,391 |
| Return on assets (ROA) | 0.6088% | 4,585 |
| Pretax return on assets | 0.9553% | 3,869 |
| Return on Equity (ROE) | 3.1739% | 5,615 |
| Retained earnings to average equity (ytd only) | 3.1739% | 4,500 |
| Net charge-offs to loans | 0.4189% | 2,358 |
| Credit loss provision to net charge-offs | 80.3030% | 3,313 |
| Earnings coverage of net charge-offs (x) | 5.3990% | 2,848 |
| Efficiency ratio | 72.4129% | 3,359 |
| Assets per employee ($millions) | 5.3331% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2706% | 7,131 |
| Loan loss allowance to noncurrent loans | 9.7006% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 1.3374% | 3,765 |
| Noncurrent loans to loans | 2.7894% | 2,147 |
| Net loans and leases to total assets | 45.3873% | 5,883 |
| Net loans and leases to deposits | 69.1215% | 4,022 |
| Net loans and leases to core deposits | 74.0833% | 4,022 |
| Total domestic deposits to total assets | 65.6631% | 7,053 |
| Equity capital to assets | 19.1284% | 268 |
| Core capital (leverage) ratio | 18.7164% | 259 |
| Tier 1 risk-based capital ratio | 43.2799% | 188 |
| Total risk-based capital ratio | 43.5646% | 195 |
| Memoranda: | ||
| Average total assets | $195,129,000 | 3,152 |
| Average earning assets | $185,639,330 | 3,048 |
| Average equity | $37,430,670 | 1,865 |
| Average total loans | $94,540,330 | 3,704 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 6,013 |
| Cost of funding earning assets | 1.2241% | 876 |
| Net interest margin | 2.6779% | 6,800 |
| Noninterest income to average assets | 1.2349% | 934 |
| Noninterest expense to average assets | 2.8057% | 4,004 |
| Loan and lease loss provision to assets | 0.0103% | 5,169 |
| Net operating income to assets | 0.6323% | 4,208 |
| Return on assets (ROA) | 0.6617% | 4,282 |
| Pretax return on assets | 1.0122% | 3,637 |
| Return on Equity (ROE) | 3.4448% | 5,535 |
| Retained earnings to average equity (ytd only) | 3.4448% | 4,510 |
| Net charge-offs to loans | 0.0165% | 4,453 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 118.5000% | 297 |
| Efficiency ratio | 74.1689% | 3,075 |
| Assets per employee ($millions) | 5.1916% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3031% | 7,176 |
| Loan loss allowance to noncurrent loans | 48.3761% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 5,950 |
| Noncurrent loans to loans | 0.6265% | 5,393 |
| Net loans and leases to total assets | 47.1885% | 5,654 |
| Net loans and leases to deposits | 71.6830% | 3,477 |
| Net loans and leases to core deposits | 76.7760% | 3,508 |
| Total domestic deposits to total assets | 65.8295% | 7,111 |
| Equity capital to assets | 18.9942% | 279 |
| Core capital (leverage) ratio | 18.5821% | 263 |
| Tier 1 risk-based capital ratio | 42.0865% | 198 |
| Total risk-based capital ratio | 42.4114% | 207 |
| Memoranda: | ||
| Average total assets | $194,031,500 | 3,178 |
| Average earning assets | $184,619,500 | 3,087 |
| Average equity | $37,273,500 | 1,871 |
| Average total loans | $96,909,000 | 3,663 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 5,933 |
| Cost of funding earning assets | 1.3272% | 1,353 |
| Net interest margin | 2.9165% | 6,663 |
| Noninterest income to average assets | 0.9667% | 1,456 |
| Noninterest expense to average assets | 2.7345% | 4,609 |
| Loan and lease loss provision to assets | 0.0643% | 5,806 |
| Net operating income to assets | 0.6131% | 3,925 |
| Return on assets (ROA) | 0.6750% | 3,802 |
| Pretax return on assets | 1.0331% | 3,110 |
| Return on Equity (ROE) | 3.5359% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.5359% | 3,708 |
| Net charge-offs to loans | 0.0768% | 5,555 |
| Credit loss provision to net charge-offs | 151.8519% | 1,850 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,011 |
| Efficiency ratio | 73.1776% | 3,365 |
| Assets per employee ($millions) | 5.0206% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1155% | 7,279 |
| Loan loss allowance to noncurrent loans | 15.3642% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 5,980 |
| Noncurrent loans to loans | 0.7517% | 5,196 |
| Net loans and leases to total assets | 52.5862% | 5,219 |
| Net loans and leases to deposits | 81.0039% | 2,358 |
| Net loans and leases to core deposits | 87.0680% | 2,496 |
| Total domestic deposits to total assets | 64.9181% | 7,158 |
| Equity capital to assets | 19.4332% | 259 |
| Core capital (leverage) ratio | 19.1207% | 238 |
| Tier 1 risk-based capital ratio | 44.6929% | 169 |
| Total risk-based capital ratio | 44.8356% | 179 |
| Memoranda: | ||
| Average total assets | $191,262,000 | 3,170 |
| Average earning assets | $181,654,400 | 3,068 |
| Average equity | $36,511,000 | 1,851 |
| Average total loans | $105,535,800 | 3,485 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 5,989 |
| Cost of funding earning assets | 1.3406% | 1,499 |
| Net interest margin | 2.9461% | 6,676 |
| Noninterest income to average assets | 0.9015% | 1,647 |
| Noninterest expense to average assets | 2.6390% | 4,944 |
| Loan and lease loss provision to assets | 0.0523% | 5,795 |
| Net operating income to assets | 0.6588% | 3,832 |
| Return on assets (ROA) | 0.7413% | 3,592 |
| Pretax return on assets | 1.1342% | 2,879 |
| Return on Equity (ROE) | 3.9005% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.9005% | 3,946 |
| Net charge-offs to loans | 0.0499% | 5,486 |
| Credit loss provision to net charge-offs | 187.5000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 38.0264% | 797 |
| Efficiency ratio | 71.3505% | 3,681 |
| Assets per employee ($millions) | 5.0436% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1065% | 7,354 |
| Loan loss allowance to noncurrent loans | 13.9064% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 6,049 |
| Noncurrent loans to loans | 0.7655% | 5,339 |
| Net loans and leases to total assets | 53.8543% | 5,183 |
| Net loans and leases to deposits | 82.7096% | 2,224 |
| Net loans and leases to core deposits | 88.3713% | 2,442 |
| Total domestic deposits to total assets | 65.1125% | 7,226 |
| Equity capital to assets | 19.2851% | 297 |
| Core capital (leverage) ratio | 18.9255% | 265 |
| Tier 1 risk-based capital ratio | 43.8272% | 190 |
| Total risk-based capital ratio | 43.9607% | 201 |
| Memoranda: | ||
| Average total assets | $191,382,000 | 3,183 |
| Average earning assets | $181,704,000 | 3,086 |
| Average equity | $36,370,000 | 1,856 |
| Average total loans | $106,809,500 | 3,489 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 5,967 |
| Cost of funding earning assets | 1.3555% | 1,621 |
| Net interest margin | 2.9612% | 6,672 |
| Noninterest income to average assets | 0.7287% | 2,380 |
| Noninterest expense to average assets | 2.6295% | 5,081 |
| Loan and lease loss provision to assets | 0.0554% | 5,626 |
| Net operating income to assets | 0.5584% | 4,272 |
| Return on assets (ROA) | 0.6399% | 3,978 |
| Pretax return on assets | 0.9765% | 3,329 |
| Return on Equity (ROE) | 3.3837% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.3837% | 4,106 |
| Net charge-offs to loans | 0.0982% | 4,697 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 16.3962% | 1,347 |
| Efficiency ratio | 74.3203% | 3,305 |
| Assets per employee ($millions) | 5.2657% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0701% | 7,433 |
| Loan loss allowance to noncurrent loans | 7.7081% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 5,653 |
| Noncurrent loans to loans | 0.9097% | 5,145 |
| Net loans and leases to total assets | 56.3819% | 4,926 |
| Net loans and leases to deposits | 87.0147% | 1,643 |
| Net loans and leases to core deposits | 93.3654% | 1,978 |
| Total domestic deposits to total assets | 64.7959% | 7,294 |
| Equity capital to assets | 19.2804% | 301 |
| Core capital (leverage) ratio | 18.8996% | 280 |
| Tier 1 risk-based capital ratio | 43.9378% | 191 |
| Total risk-based capital ratio | 44.0302% | 201 |
| Memoranda: | ||
| Average total assets | $191,290,670 | 3,205 |
| Average earning assets | $181,481,330 | 3,107 |
| Average equity | $36,173,000 | 1,851 |
| Average total loans | $107,971,000 | 3,507 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 6,033 |
| Cost of funding earning assets | 1.3825% | 1,701 |
| Net interest margin | 2.9120% | 6,737 |
| Noninterest income to average assets | 0.7036% | 2,558 |
| Noninterest expense to average assets | 2.5001% | 5,552 |
| Loan and lease loss provision to assets | 0.0146% | 5,735 |
| Net operating income to assets | 0.6060% | 4,001 |
| Return on assets (ROA) | 0.6620% | 3,769 |
| Pretax return on assets | 1.0388% | 2,992 |
| Return on Equity (ROE) | 3.5348% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.5348% | 4,068 |
| Net charge-offs to loans | 0.0258% | 4,726 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 66.2857% | 457 |
| Efficiency ratio | 72.1321% | 3,834 |
| Assets per employee ($millions) | 5.4464% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0706% | 7,484 |
| Loan loss allowance to noncurrent loans | 21.4900% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 6,444 |
| Noncurrent loans to loans | 0.3285% | 6,336 |
| Net loans and leases to total assets | 55.7013% | 5,047 |
| Net loans and leases to deposits | 85.4018% | 1,820 |
| Net loans and leases to core deposits | 91.2583% | 2,203 |
| Total domestic deposits to total assets | 65.2226% | 7,349 |
| Equity capital to assets | 18.9467% | 310 |
| Core capital (leverage) ratio | 18.6257% | 289 |
| Tier 1 risk-based capital ratio | 43.7902% | 191 |
| Total risk-based capital ratio | 43.8831% | 198 |
| Memoranda: | ||
| Average total assets | $192,153,000 | 3,219 |
| Average earning assets | $182,281,000 | 3,109 |
| Average equity | $35,985,000 | 1,839 |
| Average total loans | $108,478,500 | 3,526 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 5,690 |
| Cost of funding earning assets | 1.8390% | 1,029 |
| Net interest margin | 2.8911% | 6,908 |
| Noninterest income to average assets | 1.0071% | 1,482 |
| Noninterest expense to average assets | 2.6688% | 5,131 |
| Loan and lease loss provision to assets | 0.0185% | 6,925 |
| Net operating income to assets | 0.6710% | 3,340 |
| Return on assets (ROA) | 0.7098% | 3,326 |
| Pretax return on assets | 1.1312% | 2,460 |
| Return on Equity (ROE) | 4.0088% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.0088% | 3,058 |
| Net charge-offs to loans | 0.0212% | 6,601 |
| Credit loss provision to net charge-offs | 148.0000% | 2,464 |
| Earnings coverage of net charge-offs (x) | 87.0400% | 280 |
| Efficiency ratio | 71.0176% | 3,991 |
| Assets per employee ($millions) | 5.0969% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0677% | 7,562 |
| Loan loss allowance to noncurrent loans | 26.4085% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 6,485 |
| Noncurrent loans to loans | 0.2565% | 6,550 |
| Net loans and leases to total assets | 57.1179% | 5,166 |
| Net loans and leases to deposits | 90.7560% | 1,429 |
| Net loans and leases to core deposits | 97.0915% | 1,880 |
| Total domestic deposits to total assets | 62.9356% | 7,467 |
| Equity capital to assets | 18.5113% | 346 |
| Core capital (leverage) ratio | 18.1707% | 324 |
| Tier 1 risk-based capital ratio | 42.9571% | 191 |
| Total risk-based capital ratio | 43.0491% | 211 |
| Memoranda: | ||
| Average total assets | $199,788,400 | 3,103 |
| Average earning assets | $190,100,000 | 3,004 |
| Average equity | $35,372,400 | 1,873 |
| Average total loans | $117,830,800 | 3,361 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 5,688 |
| Cost of funding earning assets | 1.8453% | 1,238 |
| Net interest margin | 2.9485% | 6,932 |
| Noninterest income to average assets | 0.9405% | 1,645 |
| Noninterest expense to average assets | 2.5134% | 5,665 |
| Loan and lease loss provision to assets | 0.0232% | 6,831 |
| Net operating income to assets | 0.7600% | 3,178 |
| Return on assets (ROA) | 0.8113% | 3,100 |
| Pretax return on assets | 1.2915% | 2,198 |
| Return on Equity (ROE) | 4.6332% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.6332% | 3,241 |
| Net charge-offs to loans | 0.0279% | 6,287 |
| Credit loss provision to net charge-offs | 140.0000% | 2,841 |
| Earnings coverage of net charge-offs (x) | 74.5656% | 407 |
| Efficiency ratio | 67.0613% | 4,644 |
| Assets per employee ($millions) | 5.1855% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0658% | 7,675 |
| Loan loss allowance to noncurrent loans | 10.7914% | 7,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 6,524 |
| Noncurrent loans to loans | 0.6101% | 5,986 |
| Net loans and leases to total assets | 56.2902% | 5,508 |
| Net loans and leases to deposits | 94.3985% | 1,157 |
| Net loans and leases to core deposits | 101.0609% | 1,741 |
| Total domestic deposits to total assets | 59.6304% | 7,600 |
| Equity capital to assets | 17.7117% | 440 |
| Core capital (leverage) ratio | 17.3171% | 399 |
| Tier 1 risk-based capital ratio | 41.7628% | 218 |
| Total risk-based capital ratio | 41.8527% | 232 |
| Memoranda: | ||
| Average total assets | $201,315,000 | 3,123 |
| Average earning assets | $191,686,250 | 3,016 |
| Average equity | $35,252,250 | 1,900 |
| Average total loans | $119,613,000 | 3,378 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8896% | 5,437 |
| Cost of funding earning assets | 1.8831% | 1,293 |
| Net interest margin | 3.0065% | 6,810 |
| Noninterest income to average assets | 0.7562% | 2,349 |
| Noninterest expense to average assets | 2.4845% | 5,770 |
| Loan and lease loss provision to assets | 0.0119% | 6,790 |
| Net operating income to assets | 0.7062% | 3,376 |
| Return on assets (ROA) | 0.7164% | 3,479 |
| Pretax return on assets | 1.1383% | 2,639 |
| Return on Equity (ROE) | 4.1069% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.1069% | 3,460 |
| Net charge-offs to loans | 0.0033% | 6,335 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 570.0000% | 53 |
| Efficiency ratio | 68.6555% | 4,446 |
| Assets per employee ($millions) | 5.1741% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0636% | 7,746 |
| Loan loss allowance to noncurrent loans | 19.5822% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 6,923 |
| Noncurrent loans to loans | 0.3248% | 6,578 |
| Net loans and leases to total assets | 58.4023% | 5,353 |
| Net loans and leases to deposits | 97.7060% | 902 |
| Net loans and leases to core deposits | 104.1188% | 1,624 |
| Total domestic deposits to total assets | 59.7735% | 7,662 |
| Equity capital to assets | 17.5623% | 468 |
| Core capital (leverage) ratio | 17.1146% | 427 |
| Tier 1 risk-based capital ratio | 41.4498% | 224 |
| Total risk-based capital ratio | 41.5403% | 239 |
| Memoranda: | ||
| Average total assets | $201,008,670 | 3,154 |
| Average earning assets | $191,386,670 | 3,041 |
| Average equity | $35,063,330 | 1,905 |
| Average total loans | $121,513,000 | 3,379 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 5,277 |
| Cost of funding earning assets | 1.9455% | 1,257 |
| Net interest margin | 2.9926% | 6,844 |
| Noninterest income to average assets | 0.5603% | 3,559 |
| Noninterest expense to average assets | 2.3208% | 6,322 |
| Loan and lease loss provision to assets | -0.0040% | 7,829 |
| Net operating income to assets | 0.6789% | 3,527 |
| Return on assets (ROA) | 0.6879% | 3,609 |
| Pretax return on assets | 1.1066% | 2,709 |
| Return on Equity (ROE) | 3.9569% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.9569% | 3,770 |
| Net charge-offs to loans | -0.0032% | 6,782 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0702% | 4,709 |
| Assets per employee ($millions) | 5.1304% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0529% | 7,849 |
| Loan loss allowance to noncurrent loans | 17.0157% | 7,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 6,990 |
| Noncurrent loans to loans | 0.3109% | 6,700 |
| Net loans and leases to total assets | 61.3796% | 4,882 |
| Net loans and leases to deposits | 102.8309% | 600 |
| Net loans and leases to core deposits | 109.8910% | 1,280 |
| Total domestic deposits to total assets | 59.6898% | 7,760 |
| Equity capital to assets | 17.4835% | 475 |
| Core capital (leverage) ratio | 17.0657% | 454 |
| Tier 1 risk-based capital ratio | 40.0075% | 254 |
| Total risk-based capital ratio | 40.0841% | 263 |
| Memoranda: | ||
| Average total assets | $200,618,000 | 3,209 |
| Average earning assets | $191,002,000 | 3,106 |
| Average equity | $34,875,500 | 1,930 |
| Average total loans | $123,307,000 | 3,397 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 5,081 |
| Cost of funding earning assets | 2.2360% | 1,880 |
| Net interest margin | 3.0836% | 6,419 |
| Noninterest income to average assets | 0.5568% | 3,968 |
| Noninterest expense to average assets | 2.4352% | 6,353 |
| Loan and lease loss provision to assets | 0.0472% | 7,095 |
| Net operating income to assets | 0.6376% | 3,182 |
| Return on assets (ROA) | 0.6061% | 3,375 |
| Pretax return on assets | 0.9591% | 2,731 |
| Return on Equity (ROE) | 3.6142% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.6142% | 2,655 |
| Net charge-offs to loans | 0.0921% | 6,205 |
| Credit loss provision to net charge-offs | 84.0708% | 6,187 |
| Earnings coverage of net charge-offs (x) | 18.7876% | 1,109 |
| Efficiency ratio | 69.7621% | 4,676 |
| Assets per employee ($millions) | 5.1577% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0525% | 7,928 |
| Loan loss allowance to noncurrent loans | 3,250.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,549 |
| Noncurrent loans to loans | 0.0016% | 7,454 |
| Net loans and leases to total assets | 61.4825% | 5,110 |
| Net loans and leases to deposits | 107.7742% | 470 |
| Net loans and leases to core deposits | 135.0028% | 1,001 |
| Total domestic deposits to total assets | 57.0475% | 7,842 |
| Equity capital to assets | 17.2851% | 521 |
| Core capital (leverage) ratio | 16.8137% | 513 |
| Tier 1 risk-based capital ratio | 39.1322% | 268 |
| Total risk-based capital ratio | 39.2078% | 276 |
| Memoranda: | ||
| Average total assets | $201,132,400 | 3,170 |
| Average earning assets | $191,367,000 | 3,080 |
| Average equity | $33,727,800 | 1,986 |
| Average total loans | $122,719,800 | 3,422 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3605% | 5,131 |
| Cost of funding earning assets | 2.2788% | 2,073 |
| Net interest margin | 3.0816% | 6,362 |
| Noninterest income to average assets | 0.5840% | 3,824 |
| Noninterest expense to average assets | 2.4972% | 6,075 |
| Loan and lease loss provision to assets | 0.0491% | 6,880 |
| Net operating income to assets | 0.6145% | 3,560 |
| Return on assets (ROA) | 0.7146% | 3,223 |
| Pretax return on assets | 1.1256% | 2,489 |
| Return on Equity (ROE) | 4.2946% | 4,253 |
| Retained earnings to average equity (ytd only) | 4.2946% | 2,875 |
| Net charge-offs to loans | 0.1111% | 5,567 |
| Credit loss provision to net charge-offs | 72.5490% | 5,932 |
| Earnings coverage of net charge-offs (x) | 15.0585% | 1,553 |
| Efficiency ratio | 71.0353% | 4,418 |
| Assets per employee ($millions) | 5.2003% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0447% | 8,017 |
| Loan loss allowance to noncurrent loans | 22.2672% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 7,240 |
| Noncurrent loans to loans | 0.2008% | 6,998 |
| Net loans and leases to total assets | 60.6259% | 5,483 |
| Net loans and leases to deposits | 105.4773% | 681 |
| Net loans and leases to core deposits | 130.3812% | 1,413 |
| Total domestic deposits to total assets | 57.4777% | 7,910 |
| Equity capital to assets | 16.9946% | 638 |
| Core capital (leverage) ratio | 16.5920% | 603 |
| Tier 1 risk-based capital ratio | 38.5869% | 305 |
| Total risk-based capital ratio | 38.6502% | 317 |
| Memoranda: | ||
| Average total assets | $201,128,000 | 3,192 |
| Average earning assets | $191,322,250 | 3,097 |
| Average equity | $33,467,500 | 2,028 |
| Average total loans | $122,465,500 | 3,462 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4678% | 4,795 |
| Cost of funding earning assets | 2.3216% | 2,268 |
| Net interest margin | 3.1462% | 6,105 |
| Noninterest income to average assets | 0.7000% | 2,997 |
| Noninterest expense to average assets | 2.5857% | 5,796 |
| Loan and lease loss provision to assets | 0.0648% | 6,563 |
| Net operating income to assets | 0.6591% | 3,432 |
| Return on assets (ROA) | 0.8097% | 2,916 |
| Pretax return on assets | 1.2754% | 2,096 |
| Return on Equity (ROE) | 4.9013% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.9013% | 2,562 |
| Net charge-offs to loans | 0.1668% | 4,557 |
| Credit loss provision to net charge-offs | 63.7255% | 5,530 |
| Earnings coverage of net charge-offs (x) | 10.8627% | 1,954 |
| Efficiency ratio | 70.0621% | 4,766 |
| Assets per employee ($millions) | 5.0890% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0396% | 8,110 |
| Loan loss allowance to noncurrent loans | 77.5862% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 7,546 |
| Noncurrent loans to loans | 0.0510% | 7,409 |
| Net loans and leases to total assets | 55.8005% | 6,225 |
| Net loans and leases to deposits | 97.3608% | 1,619 |
| Net loans and leases to core deposits | 120.5282% | 2,318 |
| Total domestic deposits to total assets | 57.3131% | 7,990 |
| Equity capital to assets | 16.6227% | 728 |
| Core capital (leverage) ratio | 16.3700% | 695 |
| Tier 1 risk-based capital ratio | 39.0709% | 330 |
| Total risk-based capital ratio | 39.1238% | 345 |
| Memoranda: | ||
| Average total assets | $200,567,000 | 3,218 |
| Average earning assets | $190,643,670 | 3,131 |
| Average equity | $33,134,330 | 2,049 |
| Average total loans | $122,283,670 | 3,485 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6229% | 4,222 |
| Cost of funding earning assets | 2.3702% | 2,414 |
| Net interest margin | 3.2527% | 5,684 |
| Noninterest income to average assets | 0.3255% | 5,850 |
| Noninterest expense to average assets | 2.4092% | 6,160 |
| Loan and lease loss provision to assets | 0.0362% | 6,491 |
| Net operating income to assets | 0.6047% | 3,994 |
| Return on assets (ROA) | 0.9082% | 2,818 |
| Pretax return on assets | 1.4427% | 1,838 |
| Return on Equity (ROE) | 5.5151% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.5151% | 2,856 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5709% | 4,461 |
| Assets per employee ($millions) | 5.1505% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0813% | 8,157 |
| Loan loss allowance to noncurrent loans | 98.0198% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 7,450 |
| Noncurrent loans to loans | 0.0829% | 7,289 |
| Net loans and leases to total assets | 60.5680% | 5,563 |
| Net loans and leases to deposits | 106.0115% | 863 |
| Net loans and leases to core deposits | 131.0755% | 1,595 |
| Total domestic deposits to total assets | 57.1335% | 8,024 |
| Equity capital to assets | 16.5316% | 789 |
| Core capital (leverage) ratio | 16.3880% | 730 |
| Tier 1 risk-based capital ratio | 38.7218% | 345 |
| Total risk-based capital ratio | 38.8384% | 361 |
| Memoranda: | ||
| Average total assets | $199,071,000 | 3,256 |
| Average earning assets | $189,012,500 | 3,168 |
| Average equity | $32,783,000 | 2,067 |
| Average total loans | $126,609,500 | 3,435 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8331% | 6,324 |
| Cost of funding earning assets | 2.6717% | 3,307 |
| Net interest margin | 3.1614% | 6,487 |
| Noninterest income to average assets | 0.3128% | 6,217 |
| Noninterest expense to average assets | 2.2589% | 6,813 |
| Loan and lease loss provision to assets | 0.1110% | 5,948 |
| Net operating income to assets | 0.5892% | 4,355 |
| Return on assets (ROA) | 0.6803% | 3,820 |
| Pretax return on assets | 1.0875% | 3,063 |
| Return on Equity (ROE) | 4.1028% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.1028% | 2,581 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1396% | 4,701 |
| Assets per employee ($millions) | 5.0583% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0616% | 8,217 |
| Loan loss allowance to noncurrent loans | 110.9589% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 7,442 |
| Noncurrent loans to loans | 0.0555% | 7,288 |
| Net loans and leases to total assets | 66.5964% | 4,735 |
| Net loans and leases to deposits | 118.0749% | 442 |
| Net loans and leases to core deposits | 148.8174% | 894 |
| Total domestic deposits to total assets | 56.4018% | 8,052 |
| Equity capital to assets | 16.4032% | 859 |
| Core capital (leverage) ratio | 16.4248% | 769 |
| Tier 1 risk-based capital ratio | 37.4600% | 383 |
| Total risk-based capital ratio | 37.5536% | 409 |
| Memoranda: | ||
| Average total assets | $191,822,800 | 3,245 |
| Average earning assets | $182,166,800 | 3,159 |
| Average equity | $31,807,600 | 2,123 |
| Average total loans | $125,580,000 | 3,336 |