Home > The Citizens Bank of Logan, Ohio > Performance and Condition Ratios
The Citizens Bank of Logan, Ohio, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 1,275 |
| Cost of funding earning assets | 0.8581% | 2,227 |
| Net interest margin | 4.1676% | 1,383 |
| Noninterest income to average assets | 0.4402% | 2,908 |
| Noninterest expense to average assets | 2.9946% | 2,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0699% | 2,581 |
| Return on assets (ROA) | 1.0699% | 2,628 |
| Pretax return on assets | 1.3285% | 2,338 |
| Return on Equity (ROE) | 11.2065% | 1,865 |
| Retained earnings to average equity (ytd only) | 11.2065% | 760 |
| Net charge-offs to loans | 0.1051% | 1,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 14.0208% | 1,818 |
| Efficiency ratio | 69.2694% | 2,463 |
| Assets per employee ($millions) | 4.0631% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 4,321 |
| Loan loss allowance to noncurrent loans | 250.8117% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 3,399 |
| Noncurrent loans to loans | 0.3412% | 3,355 |
| Net loans and leases to total assets | 88.0987% | 95 |
| Net loans and leases to deposits | 98.4813% | 739 |
| Net loans and leases to core deposits | 110.8711% | 883 |
| Total domestic deposits to total assets | 89.4573% | 662 |
| Equity capital to assets | 9.7162% | 4,076 |
| Core capital (leverage) ratio | 9.5066% | 4,126 |
| Tier 1 risk-based capital ratio | 12.4988% | 4,169 |
| Total risk-based capital ratio | 13.5139% | 4,180 |
| Memoranda: | ||
| Average total assets | $202,633,500 | 2,875 |
| Average earning assets | $188,791,500 | 2,866 |
| Average equity | $19,346,000 | 3,219 |
| Average total loans | $182,613,000 | 2,341 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 1,076 |
| Cost of funding earning assets | 0.7361% | 1,871 |
| Net interest margin | 4.2492% | 1,282 |
| Noninterest income to average assets | 0.5335% | 2,640 |
| Noninterest expense to average assets | 3.2449% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9751% | 3,117 |
| Return on assets (ROA) | 0.9751% | 3,118 |
| Pretax return on assets | 1.2201% | 2,811 |
| Return on Equity (ROE) | 10.4362% | 2,328 |
| Retained earnings to average equity (ytd only) | 7.1578% | 1,600 |
| Net charge-offs to loans | 0.0109% | 3,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 125.7895% | 631 |
| Efficiency ratio | 72.6732% | 1,817 |
| Assets per employee ($millions) | 4.0422% | 3,838 |
| Cash dividends to net income (ytd only)* | 31.4136% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,317 |
| Loan loss allowance to noncurrent loans | 222.7972% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 3,134 |
| Noncurrent loans to loans | 0.3871% | 3,146 |
| Net loans and leases to total assets | 90.5988% | 53 |
| Net loans and leases to deposits | 101.5349% | 626 |
| Net loans and leases to core deposits | 112.5023% | 857 |
| Total domestic deposits to total assets | 89.2292% | 762 |
| Equity capital to assets | 9.3775% | 4,239 |
| Core capital (leverage) ratio | 9.1435% | 4,515 |
| Tier 1 risk-based capital ratio | 11.8209% | 4,555 |
| Total risk-based capital ratio | 12.8404% | 4,572 |
| Memoranda: | ||
| Average total assets | $195,878,400 | 2,907 |
| Average earning assets | $181,232,800 | 2,905 |
| Average equity | $18,301,600 | 3,264 |
| Average total loans | $174,327,400 | 2,390 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9269% | 1,102 |
| Cost of funding earning assets | 0.7020% | 1,836 |
| Net interest margin | 4.2249% | 1,296 |
| Noninterest income to average assets | 0.5427% | 2,605 |
| Noninterest expense to average assets | 3.2228% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9908% | 3,121 |
| Return on assets (ROA) | 0.9908% | 3,130 |
| Pretax return on assets | 1.2220% | 2,905 |
| Return on Equity (ROE) | 10.6142% | 2,343 |
| Retained earnings to average equity (ytd only) | 10.6142% | 743 |
| Net charge-offs to loans | -0.0753% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5069% | 1,808 |
| Assets per employee ($millions) | 3.9952% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 4,031 |
| Loan loss allowance to noncurrent loans | 175.3593% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 2,640 |
| Noncurrent loans to loans | 0.5447% | 2,746 |
| Net loans and leases to total assets | 88.6548% | 118 |
| Net loans and leases to deposits | 99.0331% | 857 |
| Net loans and leases to core deposits | 109.0997% | 1,093 |
| Total domestic deposits to total assets | 89.5203% | 668 |
| Equity capital to assets | 9.4524% | 4,123 |
| Core capital (leverage) ratio | 9.2738% | 4,431 |
| Tier 1 risk-based capital ratio | 12.0599% | 4,469 |
| Total risk-based capital ratio | 13.1781% | 4,421 |
| Memoranda: | ||
| Average total assets | $194,320,000 | 2,944 |
| Average earning assets | $179,471,750 | 2,952 |
| Average equity | $18,138,750 | 3,300 |
| Average total loans | $171,733,250 | 2,436 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 1,202 |
| Cost of funding earning assets | 0.6664% | 1,834 |
| Net interest margin | 4.1517% | 1,405 |
| Noninterest income to average assets | 0.5205% | 2,748 |
| Noninterest expense to average assets | 3.2871% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8633% | 3,616 |
| Return on assets (ROA) | 0.8633% | 3,614 |
| Pretax return on assets | 1.0587% | 3,480 |
| Return on Equity (ROE) | 9.2896% | 2,902 |
| Retained earnings to average equity (ytd only) | 9.2896% | 1,133 |
| Net charge-offs to loans | -0.0260% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6395% | 1,477 |
| Assets per employee ($millions) | 3.9561% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 4,139 |
| Loan loss allowance to noncurrent loans | 177.5000% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 2,882 |
| Noncurrent loans to loans | 0.5326% | 2,821 |
| Net loans and leases to total assets | 86.4983% | 227 |
| Net loans and leases to deposits | 96.2815% | 1,113 |
| Net loans and leases to core deposits | 106.3137% | 1,221 |
| Total domestic deposits to total assets | 89.8390% | 622 |
| Equity capital to assets | 9.2455% | 4,334 |
| Core capital (leverage) ratio | 9.1439% | 4,525 |
| Tier 1 risk-based capital ratio | 11.8709% | 4,575 |
| Total risk-based capital ratio | 12.9677% | 4,552 |
| Memoranda: | ||
| Average total assets | $192,507,330 | 2,981 |
| Average earning assets | $177,372,000 | 2,989 |
| Average equity | $17,891,000 | 3,344 |
| Average total loans | $169,376,670 | 2,466 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 1,076 |
| Cost of funding earning assets | 0.6375% | 1,792 |
| Net interest margin | 4.1664% | 1,260 |
| Noninterest income to average assets | 0.5056% | 2,766 |
| Noninterest expense to average assets | 3.2867% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8575% | 3,470 |
| Return on assets (ROA) | 0.8575% | 3,480 |
| Pretax return on assets | 1.0471% | 3,366 |
| Return on Equity (ROE) | 9.2016% | 2,805 |
| Retained earnings to average equity (ytd only) | 9.2016% | 1,396 |
| Net charge-offs to loans | -0.0835% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8386% | 1,615 |
| Assets per employee ($millions) | 3.5158% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 4,073 |
| Loan loss allowance to noncurrent loans | 105.7161% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8201% | 1,925 |
| Noncurrent loans to loans | 0.9257% | 1,964 |
| Net loans and leases to total assets | 87.7242% | 148 |
| Net loans and leases to deposits | 97.8382% | 875 |
| Net loans and leases to core deposits | 105.5672% | 1,270 |
| Total domestic deposits to total assets | 89.6625% | 804 |
| Equity capital to assets | 9.4194% | 4,162 |
| Core capital (leverage) ratio | 9.1803% | 4,464 |
| Tier 1 risk-based capital ratio | 11.6954% | 4,745 |
| Total risk-based capital ratio | 12.8191% | 4,718 |
| Memoranda: | ||
| Average total assets | $189,858,500 | 3,036 |
| Average earning assets | $174,445,000 | 3,049 |
| Average equity | $17,692,500 | 3,396 |
| Average total loans | $167,699,500 | 2,498 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 866 |
| Cost of funding earning assets | 0.5769% | 1,768 |
| Net interest margin | 4.2856% | 995 |
| Noninterest income to average assets | 0.5660% | 2,622 |
| Noninterest expense to average assets | 3.4609% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3701% | 4,786 |
| Return on assets (ROA) | 0.3795% | 4,766 |
| Pretax return on assets | 1.0473% | 3,388 |
| Return on Equity (ROE) | 4.0181% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.5912% | 3,768 |
| Net charge-offs to loans | 0.1478% | 1,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 8.0844% | 2,960 |
| Efficiency ratio | 77.0181% | 1,483 |
| Assets per employee ($millions) | 3.6515% | 4,502 |
| Cash dividends to net income (ytd only)* | 35.5114% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 4,147 |
| Loan loss allowance to noncurrent loans | 159.5050% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 2,781 |
| Noncurrent loans to loans | 0.6040% | 2,721 |
| Net loans and leases to total assets | 87.2113% | 176 |
| Net loans and leases to deposits | 96.9259% | 998 |
| Net loans and leases to core deposits | 105.0810% | 1,338 |
| Total domestic deposits to total assets | 89.9772% | 577 |
| Equity capital to assets | 9.2085% | 4,519 |
| Core capital (leverage) ratio | 8.9132% | 4,742 |
| Tier 1 risk-based capital ratio | 11.6187% | 4,777 |
| Total risk-based capital ratio | 12.7262% | 4,759 |
| Memoranda: | ||
| Average total assets | $185,528,600 | 3,062 |
| Average earning assets | $170,034,000 | 3,072 |
| Average equity | $17,520,600 | 3,426 |
| Average total loans | $160,405,400 | 2,547 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 851 |
| Cost of funding earning assets | 0.5553% | 1,853 |
| Net interest margin | 4.2888% | 948 |
| Noninterest income to average assets | 0.5826% | 2,571 |
| Noninterest expense to average assets | 3.4706% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7244% | 3,852 |
| Return on assets (ROA) | 0.7381% | 3,855 |
| Pretax return on assets | 1.0619% | 3,452 |
| Return on Equity (ROE) | 7.7658% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.7658% | 1,318 |
| Net charge-offs to loans | 0.1789% | 1,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 6.7700% | 2,945 |
| Efficiency ratio | 76.9021% | 1,471 |
| Assets per employee ($millions) | 3.4799% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,018 |
| Loan loss allowance to noncurrent loans | 225.6552% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 3,512 |
| Noncurrent loans to loans | 0.4458% | 3,366 |
| Net loans and leases to total assets | 84.1258% | 424 |
| Net loans and leases to deposits | 93.7953% | 1,323 |
| Net loans and leases to core deposits | 102.0886% | 1,541 |
| Total domestic deposits to total assets | 89.6908% | 579 |
| Equity capital to assets | 9.4492% | 4,491 |
| Core capital (leverage) ratio | 8.7157% | 5,043 |
| Tier 1 risk-based capital ratio | 11.4130% | 5,004 |
| Total risk-based capital ratio | 12.5517% | 4,969 |
| Memoranda: | ||
| Average total assets | $184,441,250 | 3,098 |
| Average earning assets | $169,024,250 | 3,110 |
| Average equity | $17,529,500 | 3,455 |
| Average total loans | $158,705,250 | 2,583 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 786 |
| Cost of funding earning assets | 0.5223% | 1,986 |
| Net interest margin | 4.3203% | 813 |
| Noninterest income to average assets | 0.5941% | 2,492 |
| Noninterest expense to average assets | 3.5218% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7132% | 3,780 |
| Return on assets (ROA) | 0.7094% | 3,868 |
| Pretax return on assets | 1.0180% | 3,493 |
| Return on Equity (ROE) | 7.4491% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.4491% | 1,374 |
| Net charge-offs to loans | 0.1931% | 1,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.1316% | 2,743 |
| Efficiency ratio | 77.4825% | 1,533 |
| Assets per employee ($millions) | 3.3345% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,826 |
| Loan loss allowance to noncurrent loans | 269.7933% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 3,775 |
| Noncurrent loans to loans | 0.3909% | 3,620 |
| Net loans and leases to total assets | 85.2527% | 324 |
| Net loans and leases to deposits | 94.9998% | 1,176 |
| Net loans and leases to core deposits | 102.9203% | 1,441 |
| Total domestic deposits to total assets | 89.7399% | 627 |
| Equity capital to assets | 9.5002% | 4,401 |
| Core capital (leverage) ratio | 8.6560% | 5,084 |
| Tier 1 risk-based capital ratio | 11.3498% | 5,055 |
| Total risk-based capital ratio | 12.5696% | 4,963 |
| Memoranda: | ||
| Average total assets | $182,124,330 | 3,131 |
| Average earning assets | $166,564,330 | 3,157 |
| Average equity | $17,344,330 | 3,491 |
| Average total loans | $157,391,670 | 2,600 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 678 |
| Cost of funding earning assets | 0.4775% | 2,270 |
| Net interest margin | 4.3801% | 661 |
| Noninterest income to average assets | 0.5739% | 2,544 |
| Noninterest expense to average assets | 3.5814% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6929% | 3,744 |
| Return on assets (ROA) | 0.6851% | 3,800 |
| Pretax return on assets | 0.9810% | 3,451 |
| Return on Equity (ROE) | 7.1851% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.1851% | 1,788 |
| Net charge-offs to loans | 0.0694% | 1,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 16.5185% | 1,639 |
| Efficiency ratio | 78.3074% | 1,587 |
| Assets per employee ($millions) | 3.2529% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 3,371 |
| Loan loss allowance to noncurrent loans | 232.7366% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 3,469 |
| Noncurrent loans to loans | 0.4976% | 3,313 |
| Net loans and leases to total assets | 85.2754% | 263 |
| Net loans and leases to deposits | 95.0087% | 1,016 |
| Net loans and leases to core deposits | 103.2063% | 1,278 |
| Total domestic deposits to total assets | 89.7554% | 773 |
| Equity capital to assets | 9.5260% | 4,266 |
| Core capital (leverage) ratio | 8.6572% | 5,094 |
| Tier 1 risk-based capital ratio | 11.2250% | 5,189 |
| Total risk-based capital ratio | 12.4799% | 5,080 |
| Memoranda: | ||
| Average total assets | $179,820,000 | 3,188 |
| Average earning assets | $164,197,000 | 3,213 |
| Average equity | $17,146,500 | 3,531 |
| Average total loans | $155,641,500 | 2,632 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 695 |
| Cost of funding earning assets | 0.4339% | 2,664 |
| Net interest margin | 4.4917% | 637 |
| Noninterest income to average assets | 0.6605% | 2,366 |
| Noninterest expense to average assets | 3.8474% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6335% | 4,076 |
| Return on assets (ROA) | 0.6393% | 4,155 |
| Pretax return on assets | 0.9262% | 3,750 |
| Return on Equity (ROE) | 6.4649% | 3,752 |
| Retained earnings to average equity (ytd only) | -2.5848% | 5,565 |
| Net charge-offs to loans | 0.1534% | 1,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.1348% | 3,067 |
| Efficiency ratio | 80.7394% | 1,336 |
| Assets per employee ($millions) | 3.1692% | 5,194 |
| Cash dividends to net income (ytd only)* | 139.9825% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 3,134 |
| Loan loss allowance to noncurrent loans | 240.3121% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 3,533 |
| Noncurrent loans to loans | 0.4990% | 3,370 |
| Net loans and leases to total assets | 85.7997% | 245 |
| Net loans and leases to deposits | 97.4148% | 871 |
| Net loans and leases to core deposits | 104.0166% | 1,281 |
| Total domestic deposits to total assets | 88.0766% | 1,596 |
| Equity capital to assets | 9.5450% | 4,224 |
| Core capital (leverage) ratio | 8.5168% | 5,243 |
| Tier 1 risk-based capital ratio | 11.1427% | 5,260 |
| Total risk-based capital ratio | 12.4035% | 5,142 |
| Memoranda: | ||
| Average total assets | $178,796,600 | 3,175 |
| Average earning assets | $163,390,200 | 3,190 |
| Average equity | $17,680,000 | 3,463 |
| Average total loans | $149,956,400 | 2,645 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 772 |
| Cost of funding earning assets | 0.4252% | 2,776 |
| Net interest margin | 4.4475% | 702 |
| Noninterest income to average assets | 0.6580% | 2,372 |
| Noninterest expense to average assets | 3.8899% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6031% | 4,277 |
| Return on assets (ROA) | 0.6111% | 4,360 |
| Pretax return on assets | 0.8508% | 4,153 |
| Return on Equity (ROE) | 6.1273% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.1273% | 2,112 |
| Net charge-offs to loans | 0.1110% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.0967% | 2,707 |
| Efficiency ratio | 82.2474% | 1,164 |
| Assets per employee ($millions) | 3.1910% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,681 |
| Loan loss allowance to noncurrent loans | 186.4504% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 3,109 |
| Noncurrent loans to loans | 0.6981% | 2,939 |
| Net loans and leases to total assets | 82.9140% | 519 |
| Net loans and leases to deposits | 93.2976% | 1,342 |
| Net loans and leases to core deposits | 99.3283% | 1,701 |
| Total domestic deposits to total assets | 88.8705% | 976 |
| Equity capital to assets | 10.3030% | 3,798 |
| Core capital (leverage) ratio | 9.0583% | 4,766 |
| Tier 1 risk-based capital ratio | 12.2347% | 4,652 |
| Total risk-based capital ratio | 13.4982% | 4,543 |
| Memoranda: | ||
| Average total assets | $179,127,000 | 3,188 |
| Average earning assets | $163,983,250 | 3,196 |
| Average equity | $17,865,000 | 3,455 |
| Average total loans | $148,915,250 | 2,657 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 778 |
| Cost of funding earning assets | 0.4256% | 2,774 |
| Net interest margin | 4.4409% | 701 |
| Noninterest income to average assets | 0.6727% | 2,258 |
| Noninterest expense to average assets | 4.0542% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4999% | 4,680 |
| Return on assets (ROA) | 0.5121% | 4,742 |
| Pretax return on assets | 0.6984% | 4,622 |
| Return on Equity (ROE) | 5.1914% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.1914% | 2,605 |
| Net charge-offs to loans | 0.1172% | 1,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 7.0230% | 2,676 |
| Efficiency ratio | 85.6066% | 918 |
| Assets per employee ($millions) | 2.9798% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,534 |
| Loan loss allowance to noncurrent loans | 321.6478% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 4,046 |
| Noncurrent loans to loans | 0.4197% | 3,851 |
| Net loans and leases to total assets | 81.3805% | 699 |
| Net loans and leases to deposits | 91.2401% | 1,602 |
| Net loans and leases to core deposits | 96.1500% | 1,964 |
| Total domestic deposits to total assets | 89.1938% | 816 |
| Equity capital to assets | 10.0466% | 4,165 |
| Core capital (leverage) ratio | 8.7320% | 5,134 |
| Tier 1 risk-based capital ratio | 12.3220% | 4,632 |
| Total risk-based capital ratio | 13.5880% | 4,546 |
| Memoranda: | ||
| Average total assets | $179,270,670 | 3,198 |
| Average earning assets | $164,022,330 | 3,220 |
| Average equity | $17,683,000 | 3,488 |
| Average total loans | $148,514,330 | 2,670 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 664 |
| Cost of funding earning assets | 0.4261% | 2,805 |
| Net interest margin | 4.5042% | 604 |
| Noninterest income to average assets | 0.7286% | 1,913 |
| Noninterest expense to average assets | 4.2938% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4161% | 4,944 |
| Return on assets (ROA) | 0.4412% | 4,941 |
| Pretax return on assets | 0.5905% | 4,846 |
| Return on Equity (ROE) | 4.5145% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.5145% | 3,227 |
| Net charge-offs to loans | 0.1235% | 1,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.4348% | 2,327 |
| Efficiency ratio | 88.5163% | 776 |
| Assets per employee ($millions) | 3.1681% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 2,586 |
| Loan loss allowance to noncurrent loans | 223.6784% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 3,554 |
| Noncurrent loans to loans | 0.6101% | 3,345 |
| Net loans and leases to total assets | 82.7418% | 475 |
| Net loans and leases to deposits | 92.6297% | 1,272 |
| Net loans and leases to core deposits | 96.4386% | 1,754 |
| Total domestic deposits to total assets | 89.3254% | 931 |
| Equity capital to assets | 9.9627% | 4,127 |
| Core capital (leverage) ratio | 8.6673% | 5,212 |
| Tier 1 risk-based capital ratio | 12.0516% | 4,884 |
| Total risk-based capital ratio | 13.3178% | 4,786 |
| Memoranda: | ||
| Average total assets | $179,513,000 | 3,207 |
| Average earning assets | $164,291,500 | 3,225 |
| Average equity | $17,543,500 | 3,509 |
| Average total loans | $149,027,500 | 2,667 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 1,130 |
| Cost of funding earning assets | 0.5119% | 2,054 |
| Net interest margin | 4.1774% | 1,217 |
| Noninterest income to average assets | 0.4577% | 3,606 |
| Noninterest expense to average assets | 3.9071% | 752 |
| Loan and lease loss provision to assets | -0.1308% | 5,899 |
| Net operating income to assets | 0.3536% | 5,204 |
| Return on assets (ROA) | 0.4169% | 5,081 |
| Pretax return on assets | 0.5770% | 4,915 |
| Return on Equity (ROE) | 4.4062% | 4,781 |
| Retained earnings to average equity (ytd only) | -2.7808% | 5,807 |
| Net charge-offs to loans | 1.0523% | 187 |
| Credit loss provision to net charge-offs | -16.2232% | 4,976 |
| Earnings coverage of net charge-offs (x) | 0.4445% | 4,227 |
| Efficiency ratio | 91.5992% | 594 |
| Assets per employee ($millions) | 3.0782% | 5,447 |
| Cash dividends to net income (ytd only)* | 163.1117% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 2,459 |
| Loan loss allowance to noncurrent loans | 153.8120% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 2,482 |
| Noncurrent loans to loans | 0.9053% | 2,527 |
| Net loans and leases to total assets | 81.0247% | 708 |
| Net loans and leases to deposits | 90.4605% | 1,559 |
| Net loans and leases to core deposits | 94.0798% | 2,041 |
| Total domestic deposits to total assets | 89.5691% | 815 |
| Equity capital to assets | 9.5873% | 4,452 |
| Core capital (leverage) ratio | 8.2315% | 5,665 |
| Tier 1 risk-based capital ratio | 11.8661% | 5,032 |
| Total risk-based capital ratio | 13.1391% | 4,929 |
| Memoranda: | ||
| Average total assets | $191,163,200 | 3,036 |
| Average earning assets | $174,247,400 | 3,063 |
| Average equity | $18,088,000 | 3,371 |
| Average total loans | $146,447,400 | 2,643 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 1,257 |
| Cost of funding earning assets | 0.5227% | 2,018 |
| Net interest margin | 4.1077% | 1,393 |
| Noninterest income to average assets | 0.5125% | 3,282 |
| Noninterest expense to average assets | 3.8549% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2852% | 5,501 |
| Return on assets (ROA) | 0.3685% | 5,342 |
| Pretax return on assets | 0.5139% | 5,188 |
| Return on Equity (ROE) | 3.9071% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.9071% | 3,683 |
| Net charge-offs to loans | 1.3557% | 115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.3900% | 3,956 |
| Efficiency ratio | 90.6382% | 660 |
| Assets per employee ($millions) | 3.1655% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 1,690 |
| Loan loss allowance to noncurrent loans | 174.7438% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 2,568 |
| Noncurrent loans to loans | 0.9307% | 2,648 |
| Net loans and leases to total assets | 76.0239% | 1,385 |
| Net loans and leases to deposits | 85.5923% | 2,195 |
| Net loans and leases to core deposits | 90.7657% | 2,375 |
| Total domestic deposits to total assets | 88.8210% | 1,117 |
| Equity capital to assets | 9.7406% | 4,468 |
| Core capital (leverage) ratio | 8.6098% | 5,450 |
| Tier 1 risk-based capital ratio | 13.0163% | 4,420 |
| Total risk-based capital ratio | 14.2903% | 4,324 |
| Memoranda: | ||
| Average total assets | $193,550,250 | 3,034 |
| Average earning assets | $176,248,000 | 3,064 |
| Average equity | $18,257,000 | 3,377 |
| Average total loans | $145,751,500 | 2,667 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 1,234 |
| Cost of funding earning assets | 0.5344% | 1,944 |
| Net interest margin | 4.0850% | 1,390 |
| Noninterest income to average assets | 0.4200% | 3,925 |
| Noninterest expense to average assets | 3.6938% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3049% | 5,428 |
| Return on assets (ROA) | 0.4128% | 5,203 |
| Pretax return on assets | 0.5833% | 5,016 |
| Return on Equity (ROE) | 4.4234% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,197 |
| Net charge-offs to loans | 2.0012% | 73 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.2887% | 3,678 |
| Efficiency ratio | 89.5444% | 788 |
| Assets per employee ($millions) | 3.1914% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 1,644 |
| Loan loss allowance to noncurrent loans | 136.0000% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.1155% | 2,274 |
| Noncurrent loans to loans | 1.2374% | 2,180 |
| Net loans and leases to total assets | 73.6530% | 1,717 |
| Net loans and leases to deposits | 82.6611% | 2,477 |
| Net loans and leases to core deposits | 88.6994% | 2,485 |
| Total domestic deposits to total assets | 89.1024% | 1,100 |
| Equity capital to assets | 9.5627% | 4,578 |
| Core capital (leverage) ratio | 8.4686% | 5,561 |
| Tier 1 risk-based capital ratio | 12.6534% | 4,711 |
| Total risk-based capital ratio | 13.9278% | 4,623 |
| Memoranda: | ||
| Average total assets | $194,758,000 | 3,046 |
| Average earning assets | $176,644,670 | 3,079 |
| Average equity | $18,176,000 | 3,400 |
| Average total loans | $145,409,670 | 2,676 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 1,390 |
| Cost of funding earning assets | 0.5605% | 1,748 |
| Net interest margin | 3.9662% | 1,667 |
| Noninterest income to average assets | 0.3972% | 4,027 |
| Noninterest expense to average assets | 3.6213% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2648% | 5,520 |
| Return on assets (ROA) | 0.3931% | 5,207 |
| Pretax return on assets | 0.5621% | 5,018 |
| Return on Equity (ROE) | 4.2632% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.2632% | 3,457 |
| Net charge-offs to loans | 1.1640% | 195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.4366% | 3,057 |
| Efficiency ratio | 90.5295% | 815 |
| Assets per employee ($millions) | 3.1650% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3525% | 661 |
| Loan loss allowance to noncurrent loans | 54.5988% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 3.4972% | 473 |
| Noncurrent loans to loans | 4.3087% | 374 |
| Net loans and leases to total assets | 74.0224% | 1,493 |
| Net loans and leases to deposits | 83.0121% | 2,207 |
| Net loans and leases to core deposits | 89.9485% | 2,135 |
| Total domestic deposits to total assets | 89.1705% | 1,159 |
| Equity capital to assets | 9.4527% | 4,799 |
| Core capital (leverage) ratio | 8.2722% | 5,762 |
| Tier 1 risk-based capital ratio | 12.1977% | 5,110 |
| Total risk-based capital ratio | 13.4782% | 5,002 |
| Memoranda: | ||
| Average total assets | $196,395,500 | 3,047 |
| Average earning assets | $178,408,500 | 3,082 |
| Average equity | $18,108,500 | 3,427 |
| Average total loans | $146,391,000 | 2,671 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 1,713 |
| Cost of funding earning assets | 0.6372% | 1,497 |
| Net interest margin | 3.9070% | 2,211 |
| Noninterest income to average assets | 0.8705% | 1,604 |
| Noninterest expense to average assets | 3.6914% | 1,172 |
| Loan and lease loss provision to assets | -0.0927% | 6,133 |
| Net operating income to assets | 2.3901% | 172 |
| Return on assets (ROA) | 2.4908% | 150 |
| Pretax return on assets | 0.9951% | 3,514 |
| Return on Equity (ROE) | 35.3509% | 31 |
| Retained earnings to average equity (ytd only) | 35.3509% | 14 |
| Net charge-offs to loans | 0.2257% | 1,862 |
| Credit loss provision to net charge-offs | -56.5350% | 5,435 |
| Earnings coverage of net charge-offs (x) | 4.8875% | 3,542 |
| Efficiency ratio | 82.1571% | 1,645 |
| Assets per employee ($millions) | 3.1207% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6423% | 459 |
| Loan loss allowance to noncurrent loans | 49.9935% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 4.4096% | 356 |
| Noncurrent loans to loans | 5.2852% | 260 |
| Net loans and leases to total assets | 71.3771% | 2,019 |
| Net loans and leases to deposits | 79.6912% | 2,759 |
| Net loans and leases to core deposits | 88.4838% | 2,451 |
| Total domestic deposits to total assets | 89.5672% | 937 |
| Equity capital to assets | 8.9959% | 5,289 |
| Core capital (leverage) ratio | 8.1149% | 5,919 |
| Tier 1 risk-based capital ratio | 12.1185% | 5,287 |
| Total risk-based capital ratio | 13.3896% | 5,177 |
| Memoranda: | ||
| Average total assets | $200,574,400 | 2,988 |
| Average earning assets | $185,971,800 | 2,961 |
| Average equity | $14,132,600 | 4,001 |
| Average total loans | $145,740,800 | 2,629 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 2,054 |
| Cost of funding earning assets | 0.6461% | 1,482 |
| Net interest margin | 3.8023% | 2,613 |
| Noninterest income to average assets | 1.0220% | 1,181 |
| Noninterest expense to average assets | 3.6768% | 1,156 |
| Loan and lease loss provision to assets | -0.1235% | 6,313 |
| Net operating income to assets | 1.0326% | 2,311 |
| Return on assets (ROA) | 1.0326% | 2,371 |
| Pretax return on assets | 1.0326% | 3,459 |
| Return on Equity (ROE) | 15.7377% | 707 |
| Retained earnings to average equity (ytd only) | 15.7377% | 177 |
| Net charge-offs to loans | 0.3013% | 1,312 |
| Credit loss provision to net charge-offs | -56.5350% | 5,363 |
| Earnings coverage of net charge-offs (x) | 4.1611% | 3,525 |
| Efficiency ratio | 80.1767% | 1,888 |
| Assets per employee ($millions) | 3.1950% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6242% | 549 |
| Loan loss allowance to noncurrent loans | 50.9680% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 4.4116% | 421 |
| Noncurrent loans to loans | 5.1488% | 341 |
| Net loans and leases to total assets | 72.4929% | 1,766 |
| Net loans and leases to deposits | 79.5011% | 2,772 |
| Net loans and leases to core deposits | 88.8599% | 2,340 |
| Total domestic deposits to total assets | 91.1849% | 308 |
| Equity capital to assets | 7.4309% | 6,321 |
| Core capital (leverage) ratio | 7.4195% | 6,309 |
| Tier 1 risk-based capital ratio | 11.7516% | 5,638 |
| Total risk-based capital ratio | 13.0234% | 5,549 |
| Memoranda: | ||
| Average total assets | $200,786,750 | 3,006 |
| Average earning assets | $188,198,500 | 2,957 |
| Average equity | $13,174,000 | 4,185 |
| Average total loans | $145,569,250 | 2,642 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 2,286 |
| Cost of funding earning assets | 0.6647% | 1,408 |
| Net interest margin | 3.7070% | 2,935 |
| Noninterest income to average assets | 1.2733% | 730 |
| Noninterest expense to average assets | 3.7028% | 1,134 |
| Loan and lease loss provision to assets | -0.1844% | 6,460 |
| Net operating income to assets | 1.2227% | 1,521 |
| Return on assets (ROA) | 1.2227% | 1,580 |
| Pretax return on assets | 1.2227% | 2,563 |
| Return on Equity (ROE) | 19.4807% | 320 |
| Retained earnings to average equity (ytd only) | 19.4807% | 90 |
| Net charge-offs to loans | 0.4112% | 987 |
| Credit loss provision to net charge-offs | -62.4161% | 5,195 |
| Earnings coverage of net charge-offs (x) | 3.5134% | 3,285 |
| Efficiency ratio | 78.1008% | 2,278 |
| Assets per employee ($millions) | 3.2911% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7120% | 526 |
| Loan loss allowance to noncurrent loans | 49.5931% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 4.3274% | 460 |
| Noncurrent loans to loans | 5.4685% | 333 |
| Net loans and leases to total assets | 68.5649% | 2,316 |
| Net loans and leases to deposits | 74.8829% | 3,209 |
| Net loans and leases to core deposits | 84.8893% | 2,631 |
| Total domestic deposits to total assets | 91.5628% | 248 |
| Equity capital to assets | 7.0571% | 6,436 |
| Core capital (leverage) ratio | 7.2847% | 6,377 |
| Tier 1 risk-based capital ratio | 11.1733% | 5,975 |
| Total risk-based capital ratio | 12.4433% | 5,901 |
| Memoranda: | ||
| Average total assets | $201,685,330 | 3,012 |
| Average earning assets | $188,668,670 | 2,970 |
| Average equity | $12,658,670 | 4,292 |
| Average total loans | $144,935,000 | 2,660 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 1,708 |
| Cost of funding earning assets | 0.6914% | 1,299 |
| Net interest margin | 3.8378% | 2,310 |
| Noninterest income to average assets | 1.1531% | 836 |
| Noninterest expense to average assets | 3.8942% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8359% | 2,976 |
| Return on assets (ROA) | 0.8359% | 3,047 |
| Pretax return on assets | 0.8359% | 3,956 |
| Return on Equity (ROE) | 14.2178% | 905 |
| Retained earnings to average equity (ytd only) | 14.2178% | 376 |
| Net charge-offs to loans | 0.0962% | 2,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.9714% | 1,744 |
| Efficiency ratio | 82.3281% | 1,884 |
| Assets per employee ($millions) | 2.8650% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0205% | 424 |
| Loan loss allowance to noncurrent loans | 52.3157% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 4.8197% | 439 |
| Noncurrent loans to loans | 5.7736% | 330 |
| Net loans and leases to total assets | 69.6247% | 1,961 |
| Net loans and leases to deposits | 75.3116% | 2,900 |
| Net loans and leases to core deposits | 84.9432% | 2,426 |
| Total domestic deposits to total assets | 92.4488% | 173 |
| Equity capital to assets | 5.9975% | 6,568 |
| Core capital (leverage) ratio | 6.0298% | 6,585 |
| Tier 1 risk-based capital ratio | 9.2955% | 6,577 |
| Total risk-based capital ratio | 10.5705% | 6,563 |
| Memoranda: | ||
| Average total assets | $200,503,500 | 3,042 |
| Average earning assets | $186,875,500 | 3,011 |
| Average equity | $11,788,000 | 4,452 |
| Average total loans | $145,499,500 | 2,646 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 1,437 |
| Cost of funding earning assets | 0.7917% | 1,259 |
| Net interest margin | 3.9603% | 2,064 |
| Noninterest income to average assets | 0.7319% | 2,373 |
| Noninterest expense to average assets | 3.7683% | 1,188 |
| Loan and lease loss provision to assets | 0.0894% | 3,324 |
| Net operating income to assets | 0.5732% | 4,392 |
| Return on assets (ROA) | 0.5877% | 4,431 |
| Pretax return on assets | 0.5877% | 4,906 |
| Return on Equity (ROE) | 11.0192% | 1,760 |
| Retained earnings to average equity (ytd only) | 11.0192% | 416 |
| Net charge-offs to loans | 0.6402% | 1,012 |
| Credit loss provision to net charge-offs | 18.8922% | 4,467 |
| Earnings coverage of net charge-offs (x) | 1.3996% | 4,593 |
| Efficiency ratio | 85.0454% | 1,513 |
| Assets per employee ($millions) | 2.9052% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9820% | 482 |
| Loan loss allowance to noncurrent loans | 56.2990% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 4.9667% | 478 |
| Noncurrent loans to loans | 5.2967% | 440 |
| Net loans and leases to total assets | 71.1543% | 1,815 |
| Net loans and leases to deposits | 76.8406% | 2,877 |
| Net loans and leases to core deposits | 87.0265% | 2,347 |
| Total domestic deposits to total assets | 92.5999% | 180 |
| Equity capital to assets | 5.7609% | 6,639 |
| Core capital (leverage) ratio | 5.6888% | 6,674 |
| Tier 1 risk-based capital ratio | 9.0537% | 6,657 |
| Total risk-based capital ratio | 10.3041% | 6,641 |
| Memoranda: | ||
| Average total assets | $213,545,400 | 2,872 |
| Average earning assets | $199,452,200 | 2,832 |
| Average equity | $11,389,200 | 4,559 |
| Average total loans | $157,918,200 | 2,454 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 1,441 |
| Cost of funding earning assets | 0.8029% | 1,304 |
| Net interest margin | 3.9591% | 2,080 |
| Noninterest income to average assets | 0.7152% | 2,531 |
| Noninterest expense to average assets | 3.5980% | 1,401 |
| Loan and lease loss provision to assets | 0.1175% | 2,831 |
| Net operating income to assets | 0.7053% | 3,829 |
| Return on assets (ROA) | 0.7244% | 3,856 |
| Pretax return on assets | 0.7244% | 4,591 |
| Return on Equity (ROE) | 13.8388% | 1,028 |
| Retained earnings to average equity (ytd only) | 13.8388% | 261 |
| Net charge-offs to loans | 0.4523% | 1,418 |
| Credit loss provision to net charge-offs | 35.0459% | 3,803 |
| Earnings coverage of net charge-offs (x) | 2.4550% | 4,014 |
| Efficiency ratio | 81.3882% | 1,915 |
| Assets per employee ($millions) | 3.2806% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2501% | 432 |
| Loan loss allowance to noncurrent loans | 60.9603% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 5.0453% | 549 |
| Noncurrent loans to loans | 5.3315% | 531 |
| Net loans and leases to total assets | 68.7647% | 2,186 |
| Net loans and leases to deposits | 74.1924% | 3,206 |
| Net loans and leases to core deposits | 84.2089% | 2,630 |
| Total domestic deposits to total assets | 92.6843% | 151 |
| Equity capital to assets | 5.5635% | 6,730 |
| Core capital (leverage) ratio | 5.7094% | 6,744 |
| Tier 1 risk-based capital ratio | 8.9398% | 6,727 |
| Total risk-based capital ratio | 10.1903% | 6,730 |
| Memoranda: | ||
| Average total assets | $216,817,750 | 2,867 |
| Average earning assets | $202,938,000 | 2,816 |
| Average equity | $11,349,500 | 4,618 |
| Average total loans | $160,643,500 | 2,427 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 1,391 |
| Cost of funding earning assets | 0.8132% | 1,348 |
| Net interest margin | 3.9578% | 2,015 |
| Noninterest income to average assets | 0.6134% | 3,107 |
| Noninterest expense to average assets | 3.4668% | 1,684 |
| Loan and lease loss provision to assets | 0.1743% | 2,163 |
| Net operating income to assets | 0.6864% | 3,871 |
| Return on assets (ROA) | 0.7147% | 3,910 |
| Pretax return on assets | 0.7147% | 4,638 |
| Return on Equity (ROE) | 13.9336% | 1,021 |
| Retained earnings to average equity (ytd only) | 13.9336% | 300 |
| Net charge-offs to loans | 0.8148% | 773 |
| Credit loss provision to net charge-offs | 28.5075% | 3,617 |
| Earnings coverage of net charge-offs (x) | 1.4075% | 4,068 |
| Efficiency ratio | 80.1097% | 2,138 |
| Assets per employee ($millions) | 3.0129% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9618% | 605 |
| Loan loss allowance to noncurrent loans | 42.9467% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 5.5209% | 529 |
| Noncurrent loans to loans | 6.8965% | 361 |
| Net loans and leases to total assets | 72.3679% | 1,513 |
| Net loans and leases to deposits | 77.8360% | 2,590 |
| Net loans and leases to core deposits | 88.6226% | 2,048 |
| Total domestic deposits to total assets | 92.9747% | 124 |
| Equity capital to assets | 5.2862% | 6,806 |
| Core capital (leverage) ratio | 5.5236% | 6,793 |
| Tier 1 risk-based capital ratio | 8.2057% | 6,796 |
| Total risk-based capital ratio | 9.4665% | 6,799 |
| Memoranda: | ||
| Average total assets | $219,104,330 | 2,854 |
| Average earning assets | $205,619,000 | 2,802 |
| Average equity | $11,239,000 | 4,674 |
| Average total loans | $164,449,000 | 2,377 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 1,122 |
| Cost of funding earning assets | 0.8464% | 1,270 |
| Net interest margin | 4.0394% | 1,649 |
| Noninterest income to average assets | 0.7145% | 2,516 |
| Noninterest expense to average assets | 3.7041% | 1,244 |
| Loan and lease loss provision to assets | 0.2995% | 1,161 |
| Net operating income to assets | 0.4908% | 4,715 |
| Return on assets (ROA) | 0.4908% | 4,871 |
| Pretax return on assets | 0.4908% | 5,291 |
| Return on Equity (ROE) | 9.7104% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.7104% | 1,185 |
| Net charge-offs to loans | 0.3163% | 1,700 |
| Credit loss provision to net charge-offs | 125.7576% | 1,543 |
| Earnings coverage of net charge-offs (x) | 3.3182% | 2,790 |
| Efficiency ratio | 82.4167% | 1,977 |
| Assets per employee ($millions) | 3.0730% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1537% | 568 |
| Loan loss allowance to noncurrent loans | 63.7348% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 4.2601% | 894 |
| Noncurrent loans to loans | 4.9482% | 775 |
| Net loans and leases to total assets | 73.7360% | 1,111 |
| Net loans and leases to deposits | 79.2564% | 2,178 |
| Net loans and leases to core deposits | 89.4857% | 1,755 |
| Total domestic deposits to total assets | 93.0348% | 124 |
| Equity capital to assets | 5.1910% | 6,881 |
| Core capital (leverage) ratio | 5.0205% | 6,876 |
| Tier 1 risk-based capital ratio | 7.1917% | 6,889 |
| Total risk-based capital ratio | 8.4430% | 6,890 |
| Memoranda: | ||
| Average total assets | $221,699,500 | 2,854 |
| Average earning assets | $207,459,000 | 2,818 |
| Average equity | $11,204,500 | 4,734 |
| Average total loans | $166,908,500 | 2,353 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7992% | 2,203 |
| Cost of funding earning assets | 1.0490% | 1,127 |
| Net interest margin | 3.7503% | 3,433 |
| Noninterest income to average assets | -0.1206% | 6,929 |
| Noninterest expense to average assets | 3.8422% | 1,182 |
| Loan and lease loss provision to assets | 3.0828% | 38 |
| Net operating income to assets | -3.7636% | 7,038 |
| Return on assets (ROA) | -3.4980% | 7,032 |
| Pretax return on assets | -3.3064% | 7,028 |
| Return on Equity (ROE) | -49.3286% | 7,019 |
| Retained earnings to average equity (ytd only) | -49.3286% | 7,013 |
| Net charge-offs to loans | 3.7282% | 88 |
| Credit loss provision to net charge-offs | 115.3278% | 2,515 |
| Earnings coverage of net charge-offs (x) | -0.1830% | 5,567 |
| Efficiency ratio | 114.5883% | 265 |
| Assets per employee ($millions) | 3.0851% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1032% | 601 |
| Loan loss allowance to noncurrent loans | 57.6620% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 4.5876% | 896 |
| Noncurrent loans to loans | 5.3817% | 697 |
| Net loans and leases to total assets | 72.1505% | 1,461 |
| Net loans and leases to deposits | 77.3448% | 2,607 |
| Net loans and leases to core deposits | 87.2155% | 2,166 |
| Total domestic deposits to total assets | 93.2842% | 104 |
| Equity capital to assets | 4.9211% | 6,956 |
| Core capital (leverage) ratio | 4.7867% | 6,946 |
| Tier 1 risk-based capital ratio | 6.8780% | 6,961 |
| Total risk-based capital ratio | 8.1286% | 6,962 |
| Memoranda: | ||
| Average total assets | $237,962,200 | 2,656 |
| Average earning assets | $220,410,600 | 2,612 |
| Average equity | $16,874,600 | 3,647 |
| Average total loans | $170,617,400 | 2,310 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 2,327 |
| Cost of funding earning assets | 1.0851% | 1,123 |
| Net interest margin | 3.7317% | 3,647 |
| Noninterest income to average assets | 0.6944% | 2,737 |
| Noninterest expense to average assets | 3.7652% | 1,268 |
| Loan and lease loss provision to assets | 2.6743% | 53 |
| Net operating income to assets | -2.2923% | 7,071 |
| Return on assets (ROA) | -2.0645% | 7,056 |
| Pretax return on assets | -2.0645% | 7,041 |
| Return on Equity (ROE) | -27.1717% | 7,049 |
| Retained earnings to average equity (ytd only) | -27.1717% | 7,040 |
| Net charge-offs to loans | 2.8791% | 196 |
| Credit loss provision to net charge-offs | 130.7297% | 2,204 |
| Earnings coverage of net charge-offs (x) | 0.1868% | 5,235 |
| Efficiency ratio | 90.7879% | 981 |
| Assets per employee ($millions) | 3.4440% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1839% | 606 |
| Loan loss allowance to noncurrent loans | 43.3932% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 6.4478% | 591 |
| Noncurrent loans to loans | 7.3373% | 477 |
| Net loans and leases to total assets | 69.6749% | 1,977 |
| Net loans and leases to deposits | 76.3616% | 2,931 |
| Net loans and leases to core deposits | 86.1388% | 2,444 |
| Total domestic deposits to total assets | 91.2434% | 347 |
| Equity capital to assets | 6.8842% | 6,898 |
| Core capital (leverage) ratio | 6.5722% | 6,872 |
| Tier 1 risk-based capital ratio | 8.9633% | 6,941 |
| Total risk-based capital ratio | 10.2359% | 6,940 |
| Memoranda: | ||
| Average total assets | $241,149,250 | 2,642 |
| Average earning assets | $223,129,750 | 2,606 |
| Average equity | $18,322,500 | 3,465 |
| Average total loans | $171,347,500 | 2,327 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 2,242 |
| Cost of funding earning assets | 1.1353% | 1,074 |
| Net interest margin | 3.7320% | 3,675 |
| Noninterest income to average assets | 0.6292% | 3,080 |
| Noninterest expense to average assets | 3.6136% | 1,555 |
| Loan and lease loss provision to assets | 2.1917% | 117 |
| Net operating income to assets | -1.7357% | 7,045 |
| Return on assets (ROA) | -1.3973% | 7,017 |
| Pretax return on assets | -1.3973% | 6,990 |
| Return on Equity (ROE) | -17.8526% | 7,010 |
| Retained earnings to average equity (ytd only) | -17.8526% | 6,983 |
| Net charge-offs to loans | 4.2233% | 100 |
| Credit loss provision to net charge-offs | 73.3370% | 3,493 |
| Earnings coverage of net charge-offs (x) | 0.1526% | 4,996 |
| Efficiency ratio | 88.7969% | 1,167 |
| Assets per employee ($millions) | 3.5243% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9740% | 2,301 |
| Loan loss allowance to noncurrent loans | 39.9828% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 4.5586% | 1,080 |
| Noncurrent loans to loans | 4.9371% | 1,011 |
| Net loans and leases to total assets | 67.5300% | 2,362 |
| Net loans and leases to deposits | 74.5122% | 3,208 |
| Net loans and leases to core deposits | 83.9606% | 2,695 |
| Total domestic deposits to total assets | 90.6294% | 599 |
| Equity capital to assets | 7.5045% | 6,796 |
| Core capital (leverage) ratio | 7.3699% | 6,678 |
| Tier 1 risk-based capital ratio | 10.0252% | 6,818 |
| Total risk-based capital ratio | 11.2825% | 6,796 |
| Memoranda: | ||
| Average total assets | $243,469,330 | 2,621 |
| Average earning assets | $224,434,330 | 2,592 |
| Average equity | $19,056,000 | 3,349 |
| Average total loans | $172,284,330 | 2,325 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 1,964 |
| Cost of funding earning assets | 1.2444% | 798 |
| Net interest margin | 3.7350% | 3,674 |
| Noninterest income to average assets | 0.5722% | 3,405 |
| Noninterest expense to average assets | 3.6597% | 1,451 |
| Loan and lease loss provision to assets | 1.1770% | 332 |
| Net operating income to assets | -0.9194% | 6,985 |
| Return on assets (ROA) | -0.2478% | 6,721 |
| Pretax return on assets | -0.1679% | 6,644 |
| Return on Equity (ROE) | -3.1034% | 6,764 |
| Retained earnings to average equity (ytd only) | -3.1034% | 6,413 |
| Net charge-offs to loans | 3.7321% | 166 |
| Credit loss provision to net charge-offs | 43.9976% | 3,379 |
| Earnings coverage of net charge-offs (x) | 0.1261% | 4,302 |
| Efficiency ratio | 91.5579% | 975 |
| Assets per employee ($millions) | 3.5299% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 2,670 |
| Loan loss allowance to noncurrent loans | 31.5118% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 5.3719% | 938 |
| Noncurrent loans to loans | 6.0318% | 833 |
| Net loans and leases to total assets | 70.1390% | 1,729 |
| Net loans and leases to deposits | 77.7752% | 2,552 |
| Net loans and leases to core deposits | 87.7552% | 2,077 |
| Total domestic deposits to total assets | 90.1817% | 987 |
| Equity capital to assets | 7.9486% | 6,555 |
| Core capital (leverage) ratio | 7.6217% | 6,557 |
| Tier 1 risk-based capital ratio | 10.2726% | 6,804 |
| Total risk-based capital ratio | 11.3147% | 6,855 |
| Memoranda: | ||
| Average total assets | $245,376,500 | 2,610 |
| Average earning assets | $225,006,000 | 2,599 |
| Average equity | $19,591,500 | 3,275 |
| Average total loans | $175,877,500 | 2,294 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 2,175 |
| Cost of funding earning assets | 1.4817% | 765 |
| Net interest margin | 3.6911% | 4,340 |
| Noninterest income to average assets | 0.6579% | 2,843 |
| Noninterest expense to average assets | 3.5997% | 1,741 |
| Loan and lease loss provision to assets | 0.7675% | 1,297 |
| Net operating income to assets | -0.3661% | 6,392 |
| Return on assets (ROA) | -0.2137% | 6,339 |
| Pretax return on assets | -0.1363% | 6,230 |
| Return on Equity (ROE) | -2.6549% | 6,381 |
| Retained earnings to average equity (ytd only) | -2.6549% | 6,234 |
| Net charge-offs to loans | 1.1509% | 1,477 |
| Credit loss provision to net charge-offs | 91.0956% | 3,961 |
| Earnings coverage of net charge-offs (x) | 0.5683% | 5,407 |
| Efficiency ratio | 88.2608% | 1,339 |
| Assets per employee ($millions) | 3.5313% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3810% | 1,493 |
| Loan loss allowance to noncurrent loans | 34.4662% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 5.9230% | 830 |
| Noncurrent loans to loans | 6.9084% | 647 |
| Net loans and leases to total assets | 70.1418% | 2,005 |
| Net loans and leases to deposits | 78.0058% | 2,840 |
| Net loans and leases to core deposits | 89.5716% | 2,183 |
| Total domestic deposits to total assets | 89.9186% | 1,033 |
| Equity capital to assets | 8.0194% | 6,563 |
| Core capital (leverage) ratio | 7.7629% | 6,478 |
| Tier 1 risk-based capital ratio | 10.1247% | 6,819 |
| Total risk-based capital ratio | 11.3866% | 6,802 |
| Memoranda: | ||
| Average total assets | $254,602,000 | 2,477 |
| Average earning assets | $235,948,600 | 2,442 |
| Average equity | $20,490,600 | 3,071 |
| Average total loans | $186,378,400 | 2,166 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2205% | 2,130 |
| Cost of funding earning assets | 1.5361% | 751 |
| Net interest margin | 3.6844% | 4,411 |
| Noninterest income to average assets | 0.6296% | 2,993 |
| Noninterest expense to average assets | 3.4672% | 2,027 |
| Loan and lease loss provision to assets | 0.1066% | 5,108 |
| Net operating income to assets | 0.3483% | 5,210 |
| Return on assets (ROA) | 0.4975% | 4,747 |
| Pretax return on assets | 0.6681% | 4,581 |
| Return on Equity (ROE) | 6.1768% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.1768% | 2,443 |
| Net charge-offs to loans | 1.1129% | 1,424 |
| Credit loss provision to net charge-offs | 13.0241% | 5,640 |
| Earnings coverage of net charge-offs (x) | 0.7001% | 5,101 |
| Efficiency ratio | 85.8191% | 1,550 |
| Assets per employee ($millions) | 3.5080% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 3,437 |
| Loan loss allowance to noncurrent loans | 22.2133% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 6.3767% | 819 |
| Noncurrent loans to loans | 7.4421% | 639 |
| Net loans and leases to total assets | 71.8625% | 1,738 |
| Net loans and leases to deposits | 80.2410% | 2,619 |
| Net loans and leases to core deposits | 92.4080% | 1,947 |
| Total domestic deposits to total assets | 89.5583% | 1,112 |
| Equity capital to assets | 8.4870% | 6,308 |
| Core capital (leverage) ratio | 8.2112% | 6,122 |
| Tier 1 risk-based capital ratio | 10.4529% | 6,797 |
| Total risk-based capital ratio | 11.7111% | 6,778 |
| Memoranda: | ||
| Average total assets | $256,455,500 | 2,466 |
| Average earning assets | $237,393,000 | 2,432 |
| Average equity | $20,657,500 | 3,054 |
| Average total loans | $188,570,250 | 2,163 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 2,102 |
| Cost of funding earning assets | 1.5886% | 730 |
| Net interest margin | 3.6499% | 4,521 |
| Noninterest income to average assets | 0.5920% | 3,185 |
| Noninterest expense to average assets | 3.4305% | 2,183 |
| Loan and lease loss provision to assets | 0.1009% | 5,054 |
| Net operating income to assets | 0.3512% | 5,170 |
| Return on assets (ROA) | 0.3624% | 5,259 |
| Pretax return on assets | 0.4532% | 5,216 |
| Return on Equity (ROE) | 4.5789% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.5789% | 3,275 |
| Net charge-offs to loans | 0.2643% | 3,568 |
| Credit loss provision to net charge-offs | 51.7928% | 4,539 |
| Earnings coverage of net charge-offs (x) | 2.7729% | 3,461 |
| Efficiency ratio | 86.3983% | 1,559 |
| Assets per employee ($millions) | 3.5568% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2910% | 1,757 |
| Loan loss allowance to noncurrent loans | 26.6836% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 6.9113% | 746 |
| Noncurrent loans to loans | 8.5856% | 501 |
| Net loans and leases to total assets | 71.5975% | 1,859 |
| Net loans and leases to deposits | 79.6777% | 2,850 |
| Net loans and leases to core deposits | 92.3646% | 2,088 |
| Total domestic deposits to total assets | 89.8589% | 1,041 |
| Equity capital to assets | 8.1574% | 6,548 |
| Core capital (leverage) ratio | 8.0097% | 6,288 |
| Tier 1 risk-based capital ratio | 10.0246% | 6,965 |
| Total risk-based capital ratio | 11.2843% | 6,961 |
| Memoranda: | ||
| Average total assets | $257,749,330 | 2,479 |
| Average earning assets | $238,579,330 | 2,437 |
| Average equity | $20,398,000 | 3,075 |
| Average total loans | $189,908,000 | 2,178 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 1,902 |
| Cost of funding earning assets | 1.6417% | 697 |
| Net interest margin | 3.6461% | 4,345 |
| Noninterest income to average assets | 0.5693% | 3,373 |
| Noninterest expense to average assets | 3.2501% | 2,704 |
| Loan and lease loss provision to assets | 0.1160% | 4,561 |
| Net operating income to assets | 0.4420% | 4,758 |
| Return on assets (ROA) | 0.4563% | 4,773 |
| Pretax return on assets | 0.5956% | 4,699 |
| Return on Equity (ROE) | 5.8555% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.8555% | 2,720 |
| Net charge-offs to loans | 0.0105% | 4,949 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 89.6000% | 352 |
| Efficiency ratio | 82.4245% | 2,162 |
| Assets per employee ($millions) | 3.8111% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3685% | 1,645 |
| Loan loss allowance to noncurrent loans | 26.1198% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 7.2910% | 709 |
| Noncurrent loans to loans | 9.0678% | 487 |
| Net loans and leases to total assets | 71.4178% | 1,835 |
| Net loans and leases to deposits | 79.0132% | 2,892 |
| Net loans and leases to core deposits | 97.5944% | 1,556 |
| Total domestic deposits to total assets | 90.3872% | 909 |
| Equity capital to assets | 7.8471% | 6,636 |
| Core capital (leverage) ratio | 7.7166% | 6,543 |
| Tier 1 risk-based capital ratio | 9.7487% | 7,076 |
| Total risk-based capital ratio | 11.0101% | 7,082 |
| Memoranda: | ||
| Average total assets | $258,580,500 | 2,486 |
| Average earning assets | $239,268,000 | 2,452 |
| Average equity | $20,152,000 | 3,085 |
| Average total loans | $191,036,500 | 2,189 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8988% | 1,048 |
| Cost of funding earning assets | 1.9576% | 706 |
| Net interest margin | 3.9411% | 3,300 |
| Noninterest income to average assets | 0.6205% | 3,339 |
| Noninterest expense to average assets | 3.1997% | 3,095 |
| Loan and lease loss provision to assets | 1.8292% | 755 |
| Net operating income to assets | -0.4059% | 6,317 |
| Return on assets (ROA) | -0.2470% | 6,216 |
| Pretax return on assets | -0.4855% | 6,306 |
| Return on Equity (ROE) | -2.8475% | 6,266 |
| Retained earnings to average equity (ytd only) | -6.0807% | 6,391 |
| Net charge-offs to loans | 1.1588% | 1,928 |
| Credit loss provision to net charge-offs | 205.4172% | 1,508 |
| Earnings coverage of net charge-offs (x) | 1.2302% | 4,876 |
| Efficiency ratio | 74.4951% | 3,296 |
| Assets per employee ($millions) | 3.7942% | 4,277 |
| Cash dividends to net income (ytd only)* | -113.5433% | 7,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2961% | 1,700 |
| Loan loss allowance to noncurrent loans | 23.8674% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 7.8385% | 647 |
| Noncurrent loans to loans | 9.6202% | 451 |
| Net loans and leases to total assets | 72.8976% | 1,902 |
| Net loans and leases to deposits | 80.5786% | 3,064 |
| Net loans and leases to core deposits | 92.9870% | 2,388 |
| Total domestic deposits to total assets | 90.4677% | 852 |
| Equity capital to assets | 7.7393% | 6,720 |
| Core capital (leverage) ratio | 7.5922% | 6,624 |
| Tier 1 risk-based capital ratio | 9.5658% | 7,120 |
| Total risk-based capital ratio | 10.8266% | 7,125 |
| Memoranda: | ||
| Average total assets | $257,056,400 | 2,481 |
| Average earning assets | $239,677,400 | 2,426 |
| Average equity | $22,300,200 | 2,844 |
| Average total loans | $197,536,200 | 2,182 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0589% | 828 |
| Cost of funding earning assets | 1.9933% | 768 |
| Net interest margin | 4.0656% | 2,789 |
| Noninterest income to average assets | 0.6282% | 3,266 |
| Noninterest expense to average assets | 2.9997% | 3,748 |
| Loan and lease loss provision to assets | 0.3987% | 3,515 |
| Net operating income to assets | 0.7337% | 3,267 |
| Return on assets (ROA) | 0.9355% | 2,605 |
| Pretax return on assets | 1.3041% | 2,157 |
| Return on Equity (ROE) | 10.4994% | 1,937 |
| Retained earnings to average equity (ytd only) | 9.9168% | 814 |
| Net charge-offs to loans | 0.3494% | 3,911 |
| Credit loss provision to net charge-offs | 147.4088% | 2,660 |
| Earnings coverage of net charge-offs (x) | 5.2591% | 2,791 |
| Efficiency ratio | 67.8328% | 4,497 |
| Assets per employee ($millions) | 3.8002% | 4,268 |
| Cash dividends to net income (ytd only)* | 5.5494% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,888 |
| Loan loss allowance to noncurrent loans | 104.3519% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.3800% | 4,407 |
| Noncurrent loans to loans | 1.0664% | 5,107 |
| Net loans and leases to total assets | 77.5072% | 1,124 |
| Net loans and leases to deposits | 87.0515% | 2,144 |
| Net loans and leases to core deposits | 98.9428% | 1,942 |
| Total domestic deposits to total assets | 89.0361% | 1,375 |
| Equity capital to assets | 9.2225% | 5,275 |
| Core capital (leverage) ratio | 8.7451% | 5,111 |
| Tier 1 risk-based capital ratio | 10.8919% | 6,466 |
| Total risk-based capital ratio | 11.9576% | 6,611 |
| Memoranda: | ||
| Average total assets | $256,818,750 | 2,518 |
| Average earning assets | $239,665,000 | 2,466 |
| Average equity | $22,883,250 | 2,819 |
| Average total loans | $198,795,000 | 2,196 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0755% | 797 |
| Cost of funding earning assets | 2.0246% | 843 |
| Net interest margin | 4.0509% | 2,783 |
| Noninterest income to average assets | 0.5728% | 3,524 |
| Noninterest expense to average assets | 2.9264% | 3,974 |
| Loan and lease loss provision to assets | 0.4097% | 3,268 |
| Net operating income to assets | 0.7265% | 3,292 |
| Return on assets (ROA) | 0.9310% | 2,527 |
| Pretax return on assets | 1.2931% | 2,109 |
| Return on Equity (ROE) | 10.5730% | 1,906 |
| Retained earnings to average equity (ytd only) | 9.6867% | 920 |
| Net charge-offs to loans | 0.3027% | 3,798 |
| Credit loss provision to net charge-offs | 175.5853% | 2,229 |
| Earnings coverage of net charge-offs (x) | 6.0803% | 2,534 |
| Efficiency ratio | 67.3491% | 4,703 |
| Assets per employee ($millions) | 3.7604% | 4,320 |
| Cash dividends to net income (ytd only)* | 8.3822% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 5,858 |
| Loan loss allowance to noncurrent loans | 104.2971% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 1.5447% | 4,142 |
| Noncurrent loans to loans | 1.0709% | 5,172 |
| Net loans and leases to total assets | 76.1952% | 1,454 |
| Net loans and leases to deposits | 85.1729% | 2,668 |
| Net loans and leases to core deposits | 107.4871% | 1,343 |
| Total domestic deposits to total assets | 89.4595% | 1,203 |
| Equity capital to assets | 8.8586% | 5,661 |
| Core capital (leverage) ratio | 8.5800% | 5,275 |
| Tier 1 risk-based capital ratio | 10.6452% | 6,570 |
| Total risk-based capital ratio | 11.7053% | 6,702 |
| Memoranda: | ||
| Average total assets | $256,287,670 | 2,542 |
| Average earning assets | $238,662,670 | 2,495 |
| Average equity | $22,567,000 | 2,850 |
| Average total loans | $197,546,000 | 2,238 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0920% | 789 |
| Cost of funding earning assets | 2.0757% | 871 |
| Net interest margin | 4.0163% | 2,805 |
| Noninterest income to average assets | 0.6062% | 3,242 |
| Noninterest expense to average assets | 2.8881% | 4,113 |
| Loan and lease loss provision to assets | 0.1728% | 4,794 |
| Net operating income to assets | 0.9203% | 2,473 |
| Return on assets (ROA) | 0.9203% | 2,535 |
| Pretax return on assets | 1.2799% | 2,105 |
| Return on Equity (ROE) | 10.4839% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.4839% | 1,047 |
| Net charge-offs to loans | 0.5867% | 2,340 |
| Credit loss provision to net charge-offs | 38.1944% | 4,671 |
| Earnings coverage of net charge-offs (x) | 3.2118% | 2,981 |
| Efficiency ratio | 66.5340% | 4,999 |
| Assets per employee ($millions) | 3.7053% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 6,749 |
| Loan loss allowance to noncurrent loans | 79.0065% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.5896% | 4,117 |
| Noncurrent loans to loans | 1.1726% | 5,019 |
| Net loans and leases to total assets | 76.5015% | 1,433 |
| Net loans and leases to deposits | 85.6513% | 2,659 |
| Net loans and leases to core deposits | 112.8472% | 1,110 |
| Total domestic deposits to total assets | 89.3174% | 1,353 |
| Equity capital to assets | 8.8596% | 5,461 |
| Core capital (leverage) ratio | 8.4972% | 5,379 |
| Tier 1 risk-based capital ratio | 10.5513% | 6,586 |
| Total risk-based capital ratio | 11.4317% | 6,886 |
| Memoranda: | ||
| Average total assets | $254,699,000 | 2,604 |
| Average earning assets | $236,834,500 | 2,566 |
| Average equity | $22,358,000 | 2,898 |
| Average total loans | $196,352,500 | 2,313 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1998% | 1,241 |
| Cost of funding earning assets | 2.5829% | 819 |
| Net interest margin | 3.6169% | 4,491 |
| Noninterest income to average assets | 0.7475% | 2,696 |
| Noninterest expense to average assets | 2.9809% | 4,232 |
| Loan and lease loss provision to assets | 0.3867% | 4,473 |
| Net operating income to assets | 0.5794% | 3,410 |
| Return on assets (ROA) | 0.5984% | 3,413 |
| Pretax return on assets | 0.7765% | 3,316 |
| Return on Equity (ROE) | 6.9600% | 2,804 |
| Retained earnings to average equity (ytd only) | 2.4857% | 3,402 |
| Net charge-offs to loans | 0.6832% | 3,140 |
| Credit loss provision to net charge-offs | 75.3247% | 6,386 |
| Earnings coverage of net charge-offs (x) | 2.2177% | 4,059 |
| Efficiency ratio | 72.3629% | 4,206 |
| Assets per employee ($millions) | 3.6247% | 4,713 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 6,230 |
| Loan loss allowance to noncurrent loans | 177.6106% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 4,786 |
| Noncurrent loans to loans | 0.5786% | 6,085 |
| Net loans and leases to total assets | 76.1752% | 1,749 |
| Net loans and leases to deposits | 85.5342% | 2,992 |
| Net loans and leases to core deposits | 110.4527% | 2,844 |
| Total domestic deposits to total assets | 89.0581% | 1,458 |
| Equity capital to assets | 8.6962% | 5,590 |
| Core capital (leverage) ratio | 8.1962% | 5,815 |
| Tier 1 risk-based capital ratio | 10.2082% | 6,671 |
| Total risk-based capital ratio | 11.1686% | 6,916 |
| Memoranda: | ||
| Average total assets | $254,992,800 | 2,567 |
| Average earning assets | $237,716,400 | 2,526 |
| Average equity | $21,925,200 | 2,953 |
| Average total loans | $191,603,600 | 2,386 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1832% | 1,413 |
| Cost of funding earning assets | 2.6644% | 875 |
| Net interest margin | 3.5188% | 4,790 |
| Noninterest income to average assets | 0.7724% | 2,587 |
| Noninterest expense to average assets | 2.9470% | 4,246 |
| Loan and lease loss provision to assets | 0.2830% | 4,712 |
| Net operating income to assets | 0.6307% | 3,495 |
| Return on assets (ROA) | 0.6335% | 3,549 |
| Pretax return on assets | 0.8324% | 3,432 |
| Return on Equity (ROE) | 7.3882% | 2,911 |
| Retained earnings to average equity (ytd only) | 5.2625% | 2,336 |
| Net charge-offs to loans | 0.8363% | 2,288 |
| Credit loss provision to net charge-offs | 45.3177% | 6,371 |
| Earnings coverage of net charge-offs (x) | 1.7801% | 4,461 |
| Efficiency ratio | 72.6068% | 4,127 |
| Assets per employee ($millions) | 3.7703% | 4,262 |
| Cash dividends to net income (ytd only)* | 28.7716% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 6,865 |
| Loan loss allowance to noncurrent loans | 218.2292% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 5,323 |
| Noncurrent loans to loans | 0.4008% | 6,538 |
| Net loans and leases to total assets | 71.9763% | 3,045 |
| Net loans and leases to deposits | 80.6246% | 4,272 |
| Net loans and leases to core deposits | 109.1083% | 3,333 |
| Total domestic deposits to total assets | 89.2734% | 1,072 |
| Equity capital to assets | 8.5472% | 6,188 |
| Core capital (leverage) ratio | 8.2004% | 6,014 |
| Tier 1 risk-based capital ratio | 10.4444% | 6,532 |
| Total risk-based capital ratio | 11.2529% | 6,931 |
| Memoranda: | ||
| Average total assets | $255,308,250 | 2,565 |
| Average earning assets | $238,448,000 | 2,539 |
| Average equity | $21,890,250 | 2,987 |
| Average total loans | $190,682,750 | 2,422 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2100% | 1,419 |
| Cost of funding earning assets | 2.7462% | 914 |
| Net interest margin | 3.4638% | 4,951 |
| Noninterest income to average assets | 0.7851% | 2,485 |
| Noninterest expense to average assets | 2.8253% | 4,851 |
| Loan and lease loss provision to assets | 0.3660% | 3,737 |
| Net operating income to assets | 0.6320% | 3,543 |
| Return on assets (ROA) | 0.6362% | 3,637 |
| Pretax return on assets | 0.8382% | 3,546 |
| Return on Equity (ROE) | 7.4120% | 3,025 |
| Retained earnings to average equity (ytd only) | 6.0736% | 1,984 |
| Net charge-offs to loans | 1.1683% | 1,566 |
| Credit loss provision to net charge-offs | 41.5468% | 5,881 |
| Earnings coverage of net charge-offs (x) | 1.3606% | 4,507 |
| Efficiency ratio | 70.2107% | 4,734 |
| Assets per employee ($millions) | 3.7789% | 4,151 |
| Cash dividends to net income (ytd only)* | 18.0573% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 6,882 |
| Loan loss allowance to noncurrent loans | 55.4638% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4974% | 3,987 |
| Noncurrent loans to loans | 1.5757% | 4,136 |
| Net loans and leases to total assets | 72.0357% | 3,217 |
| Net loans and leases to deposits | 80.3884% | 4,488 |
| Net loans and leases to core deposits | 107.0102% | 3,721 |
| Total domestic deposits to total assets | 89.6096% | 999 |
| Equity capital to assets | 8.2783% | 6,372 |
| Core capital (leverage) ratio | 8.1975% | 5,985 |
| Tier 1 risk-based capital ratio | 10.5404% | 6,336 |
| Total risk-based capital ratio | 11.3661% | 6,735 |
| Memoranda: | ||
| Average total assets | $252,436,670 | 2,607 |
| Average earning assets | $236,038,330 | 2,564 |
| Average equity | $21,667,670 | 3,013 |
| Average total loans | $190,364,330 | 2,454 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3458% | 1,186 |
| Cost of funding earning assets | 2.8265% | 921 |
| Net interest margin | 3.5192% | 4,652 |
| Noninterest income to average assets | 0.6851% | 2,972 |
| Noninterest expense to average assets | 2.8605% | 4,301 |
| Loan and lease loss provision to assets | 0.1120% | 5,530 |
| Net operating income to assets | 0.6950% | 3,583 |
| Return on assets (ROA) | 0.7029% | 3,732 |
| Pretax return on assets | 1.0065% | 3,323 |
| Return on Equity (ROE) | 8.0362% | 3,135 |
| Retained earnings to average equity (ytd only) | 6.6442% | 2,356 |
| Net charge-offs to loans | 0.1267% | 3,950 |
| Credit loss provision to net charge-offs | 115.0000% | 3,390 |
| Earnings coverage of net charge-offs (x) | 11.3667% | 1,877 |
| Efficiency ratio | 72.0949% | 4,179 |
| Assets per employee ($millions) | 4.2163% | 3,233 |
| Cash dividends to net income (ytd only)* | 17.3210% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 4,506 |
| Loan loss allowance to noncurrent loans | 75.8923% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.4728% | 3,723 |
| Noncurrent loans to loans | 1.6376% | 3,818 |
| Net loans and leases to total assets | 72.2662% | 3,186 |
| Net loans and leases to deposits | 82.0411% | 4,276 |
| Net loans and leases to core deposits | 114.7010% | 2,935 |
| Total domestic deposits to total assets | 88.0853% | 1,709 |
| Equity capital to assets | 8.4590% | 6,140 |
| Core capital (leverage) ratio | 8.3814% | 5,752 |
| Tier 1 risk-based capital ratio | 10.5601% | 6,331 |
| Total risk-based capital ratio | 11.7281% | 6,333 |
| Memoranda: | ||
| Average total assets | $246,393,500 | 2,691 |
| Average earning assets | $229,822,000 | 2,647 |
| Average equity | $21,552,500 | 3,033 |
| Average total loans | $189,431,000 | 2,482 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0713% | 968 |
| Cost of funding earning assets | 2.9651% | 2,005 |
| Net interest margin | 4.1062% | 2,681 |
| Noninterest income to average assets | 0.6598% | 3,405 |
| Noninterest expense to average assets | 3.0939% | 3,718 |
| Loan and lease loss provision to assets | 0.2464% | 4,451 |
| Net operating income to assets | 0.8329% | 3,296 |
| Return on assets (ROA) | 0.8329% | 3,140 |
| Pretax return on assets | 1.1311% | 2,915 |
| Return on Equity (ROE) | 9.3392% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.7842% | 1,627 |
| Net charge-offs to loans | 0.3134% | 3,292 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 5.5913% | 3,593 |
| Efficiency ratio | 69.1932% | 4,493 |
| Assets per employee ($millions) | 3.5696% | 4,499 |
| Cash dividends to net income (ytd only)* | 38.0658% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 4,361 |
| Loan loss allowance to noncurrent loans | 92.9027% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3557% | 3,493 |
| Noncurrent loans to loans | 1.3154% | 3,882 |
| Net loans and leases to total assets | 79.9382% | 1,680 |
| Net loans and leases to deposits | 90.3572% | 3,395 |
| Net loans and leases to core deposits | 120.3143% | 2,653 |
| Total domestic deposits to total assets | 88.4690% | 1,268 |
| Equity capital to assets | 9.0619% | 5,279 |
| Core capital (leverage) ratio | 8.5538% | 5,476 |
| Tier 1 risk-based capital ratio | 11.5433% | 5,203 |
| Total risk-based capital ratio | 12.7937% | 5,089 |
| Memoranda: | ||
| Average total assets | $233,391,200 | 2,721 |
| Average earning assets | $216,650,200 | 2,694 |
| Average equity | $20,815,400 | 3,117 |
| Average total loans | $183,475,800 | 2,467 |