Home > Citizens Bank of Florida > Performance and Condition Ratios
Citizens Bank of Florida, Performance and Condition Ratios
| 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 | 2.7837% | 3,776 |
| Cost of funding earning assets | 0.1833% | 3,042 |
| Net interest margin | 2.6004% | 3,661 |
| Noninterest income to average assets | 0.1443% | 4,291 |
| Noninterest expense to average assets | 1.6814% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7243% | 2,963 |
| Return on assets (ROA) | 0.7243% | 2,953 |
| Pretax return on assets | 0.9564% | 2,588 |
| Return on Equity (ROE) | 9.8709% | 2,008 |
| Retained earnings to average equity (ytd only) | 9.8709% | 1,053 |
| Net charge-offs to loans | -0.0104% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7425% | 3,060 |
| Assets per employee ($millions) | 7.6244% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 1,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.0086% | 2,876 |
| Net loans and leases to deposits | 57.9109% | 3,088 |
| Net loans and leases to core deposits | 63.3565% | 2,854 |
| Total domestic deposits to total assets | 91.5346% | 782 |
| Equity capital to assets | 7.6060% | 3,852 |
| Core capital (leverage) ratio | 8.2211% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6340% | 1,938 |
| Memoranda: | ||
| Average total assets | $532,404,000 | 1,678 |
| Average earning assets | $510,535,000 | 1,645 |
| Average equity | $39,064,500 | 2,091 |
| Average total loans | $270,254,500 | 1,837 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3383% | 3,090 |
| Cost of funding earning assets | 0.2325% | 3,111 |
| Net interest margin | 3.1058% | 2,885 |
| Noninterest income to average assets | 0.3430% | 3,364 |
| Noninterest expense to average assets | 2.6396% | 1,776 |
| Loan and lease loss provision to assets | 0.0520% | 2,015 |
| Net operating income to assets | 0.4355% | 4,213 |
| Return on assets (ROA) | 0.4380% | 4,251 |
| Pretax return on assets | 0.6241% | 4,071 |
| Return on Equity (ROE) | 5.3715% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.3715% | 2,635 |
| Net charge-offs to loans | -0.0114% | 3,786 |
| Credit loss provision to net charge-offs | -812.5000% | 3,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6847% | 827 |
| Assets per employee ($millions) | 8.4959% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 1,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.4692% | 3,544 |
| Net loans and leases to deposits | 51.9539% | 3,743 |
| Net loans and leases to core deposits | 56.5862% | 3,575 |
| Total domestic deposits to total assets | 91.3679% | 360 |
| Equity capital to assets | 7.1035% | 4,697 |
| Core capital (leverage) ratio | 7.8409% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7468% | 2,344 |
| Memoranda: | ||
| Average total assets | $499,734,000 | 1,699 |
| Average earning assets | $477,817,000 | 1,665 |
| Average equity | $40,752,400 | 2,058 |
| Average total loans | $280,192,600 | 1,784 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 2,755 |
| Cost of funding earning assets | 0.2488% | 3,139 |
| Net interest margin | 3.2768% | 2,488 |
| Noninterest income to average assets | 0.2944% | 3,685 |
| Noninterest expense to average assets | 2.1671% | 3,180 |
| Loan and lease loss provision to assets | 0.0512% | 1,968 |
| Net operating income to assets | 0.9103% | 3,215 |
| Return on assets (ROA) | 0.9138% | 3,275 |
| Pretax return on assets | 1.2076% | 2,903 |
| Return on Equity (ROE) | 10.7953% | 2,445 |
| Retained earnings to average equity (ytd only) | 10.7953% | 1,105 |
| Net charge-offs to loans | -0.0109% | 3,708 |
| Credit loss provision to net charge-offs | -804.3478% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3382% | 2,485 |
| Assets per employee ($millions) | 7.7761% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.4132% | 2,803 |
| Net loans and leases to deposits | 61.6936% | 3,068 |
| Net loans and leases to core deposits | 65.7136% | 2,975 |
| Total domestic deposits to total assets | 89.8199% | 854 |
| Equity capital to assets | 8.4144% | 4,262 |
| Core capital (leverage) ratio | 8.5781% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2529% | 2,276 |
| Memoranda: | ||
| Average total assets | $482,361,500 | 1,761 |
| Average earning assets | $460,310,500 | 1,729 |
| Average equity | $40,831,750 | 2,088 |
| Average total loans | $281,740,000 | 1,818 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 2,410 |
| Cost of funding earning assets | 0.2612% | 3,175 |
| Net interest margin | 3.4119% | 2,103 |
| Noninterest income to average assets | 0.3371% | 3,416 |
| Noninterest expense to average assets | 2.2108% | 3,055 |
| Loan and lease loss provision to assets | 0.0632% | 1,783 |
| Net operating income to assets | 0.9975% | 2,891 |
| Return on assets (ROA) | 1.0028% | 2,956 |
| Pretax return on assets | 1.3277% | 2,558 |
| Return on Equity (ROE) | 11.8215% | 2,126 |
| Retained earnings to average equity (ytd only) | 11.8215% | 957 |
| Net charge-offs to loans | -0.0128% | 3,781 |
| Credit loss provision to net charge-offs | -833.3333% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4979% | 2,801 |
| Assets per employee ($millions) | 7.3382% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.0986% | 2,657 |
| Net loans and leases to deposits | 64.6208% | 2,936 |
| Net loans and leases to core deposits | 69.0178% | 2,859 |
| Total domestic deposits to total assets | 89.9070% | 822 |
| Equity capital to assets | 8.3536% | 4,319 |
| Core capital (leverage) ratio | 8.5558% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4705% | 2,181 |
| Memoranda: | ||
| Average total assets | $474,667,000 | 1,773 |
| Average earning assets | $453,240,000 | 1,751 |
| Average equity | $40,265,667 | 2,095 |
| Average total loans | $281,054,333 | 1,830 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 1,963 |
| Cost of funding earning assets | 0.2702% | 3,272 |
| Net interest margin | 3.5760% | 1,646 |
| Noninterest income to average assets | 0.1785% | 4,304 |
| Noninterest expense to average assets | 2.2095% | 3,080 |
| Loan and lease loss provision to assets | 0.0772% | 1,649 |
| Net operating income to assets | 0.9888% | 2,842 |
| Return on assets (ROA) | 0.9996% | 2,903 |
| Pretax return on assets | 1.3231% | 2,509 |
| Return on Equity (ROE) | 11.6900% | 2,130 |
| Retained earnings to average equity (ytd only) | 11.6900% | 1,229 |
| Net charge-offs to loans | -0.0173% | 3,924 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4412% | 2,849 |
| Assets per employee ($millions) | 7.1655% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.3889% | 2,620 |
| Net loans and leases to deposits | 66.1970% | 2,903 |
| Net loans and leases to core deposits | 70.5412% | 2,824 |
| Total domestic deposits to total assets | 89.7155% | 957 |
| Equity capital to assets | 8.2518% | 4,326 |
| Core capital (leverage) ratio | 8.5936% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3927% | 2,122 |
| Memoranda: | ||
| Average total assets | $466,172,000 | 1,786 |
| Average earning assets | $445,525,500 | 1,759 |
| Average equity | $39,863,000 | 2,097 |
| Average total loans | $276,921,500 | 1,851 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 2,578 |
| Cost of funding earning assets | 0.3927% | 3,623 |
| Net interest margin | 3.6587% | 1,943 |
| Noninterest income to average assets | 0.1955% | 4,304 |
| Noninterest expense to average assets | 2.5041% | 2,841 |
| Loan and lease loss provision to assets | 0.2117% | 1,855 |
| Net operating income to assets | 0.6839% | 3,486 |
| Return on assets (ROA) | 0.7494% | 3,388 |
| Pretax return on assets | 0.9950% | 3,058 |
| Return on Equity (ROE) | 8.8267% | 2,458 |
| Retained earnings to average equity (ytd only) | 8.8267% | 812 |
| Net charge-offs to loans | 0.0789% | 1,686 |
| Credit loss provision to net charge-offs | 418.7192% | 1,391 |
| Earnings coverage of net charge-offs (x) | 22.2266% | 1,863 |
| Efficiency ratio | 69.0238% | 2,095 |
| Assets per employee ($millions) | 6.8523% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,303 |
| Loan loss allowance to noncurrent loans | 201.6101% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 2,446 |
| Noncurrent loans to loans | 0.6559% | 2,040 |
| Net loans and leases to total assets | 57.8455% | 3,103 |
| Net loans and leases to deposits | 65.0799% | 3,350 |
| Net loans and leases to core deposits | 69.9296% | 3,257 |
| Total domestic deposits to total assets | 88.8839% | 1,038 |
| Equity capital to assets | 8.8689% | 4,175 |
| Core capital (leverage) ratio | 8.7851% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4220% | 2,078 |
| Memoranda: | ||
| Average total assets | $401,502,800 | 1,859 |
| Average earning assets | $376,659,600 | 1,846 |
| Average equity | $34,089,600 | 2,285 |
| Average total loans | $257,129,400 | 1,883 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 2,132 |
| Cost of funding earning assets | 0.4242% | 3,675 |
| Net interest margin | 3.8644% | 1,437 |
| Noninterest income to average assets | 0.1979% | 4,290 |
| Noninterest expense to average assets | 2.5557% | 2,677 |
| Loan and lease loss provision to assets | 0.2538% | 1,602 |
| Net operating income to assets | 0.7516% | 3,279 |
| Return on assets (ROA) | 0.8419% | 3,071 |
| Pretax return on assets | 1.1104% | 2,705 |
| Return on Equity (ROE) | 10.0454% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.0454% | 754 |
| Net charge-offs to loans | 0.1087% | 1,249 |
| Credit loss provision to net charge-offs | 355.7692% | 1,594 |
| Earnings coverage of net charge-offs (x) | 17.5240% | 2,011 |
| Efficiency ratio | 67.1562% | 2,294 |
| Assets per employee ($millions) | 6.4561% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 2,813 |
| Loan loss allowance to noncurrent loans | 1,479.9127% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 4,176 |
| Noncurrent loans to loans | 0.0794% | 4,050 |
| Net loans and leases to total assets | 65.9255% | 2,529 |
| Net loans and leases to deposits | 73.2189% | 3,020 |
| Net loans and leases to core deposits | 79.3540% | 2,900 |
| Total domestic deposits to total assets | 90.0389% | 414 |
| Equity capital to assets | 8.0278% | 4,704 |
| Core capital (leverage) ratio | 8.0247% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1719% | 2,549 |
| Memoranda: | ||
| Average total assets | $388,815,250 | 1,882 |
| Average earning assets | $362,995,000 | 1,870 |
| Average equity | $32,584,500 | 2,343 |
| Average total loans | $255,133,250 | 1,894 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 1,439 |
| Cost of funding earning assets | 0.4693% | 3,707 |
| Net interest margin | 4.2175% | 888 |
| Noninterest income to average assets | 0.2042% | 4,258 |
| Noninterest expense to average assets | 2.6604% | 2,489 |
| Loan and lease loss provision to assets | 0.3340% | 1,280 |
| Net operating income to assets | 0.8460% | 2,882 |
| Return on assets (ROA) | 0.9866% | 2,509 |
| Pretax return on assets | 1.3067% | 2,007 |
| Return on Equity (ROE) | 11.5842% | 1,457 |
| Retained earnings to average equity (ytd only) | 11.5842% | 514 |
| Net charge-offs to loans | 0.1098% | 1,192 |
| Credit loss provision to net charge-offs | 466.4179% | 1,286 |
| Earnings coverage of net charge-offs (x) | 20.4254% | 1,685 |
| Efficiency ratio | 64.5237% | 2,745 |
| Assets per employee ($millions) | 6.1196% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,622 |
| Loan loss allowance to noncurrent loans | 1,011.4804% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,119 |
| Noncurrent loans to loans | 0.1165% | 3,985 |
| Net loans and leases to total assets | 68.4985% | 2,265 |
| Net loans and leases to deposits | 76.2737% | 2,831 |
| Net loans and leases to core deposits | 82.1967% | 2,765 |
| Total domestic deposits to total assets | 89.8062% | 455 |
| Equity capital to assets | 8.1534% | 4,649 |
| Core capital (leverage) ratio | 8.0959% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1055% | 2,563 |
| Memoranda: | ||
| Average total assets | $374,233,333 | 1,907 |
| Average earning assets | $347,740,333 | 1,906 |
| Average equity | $31,871,000 | 2,367 |
| Average total loans | $243,992,000 | 1,943 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 3,023 |
| Cost of funding earning assets | 0.5741% | 3,567 |
| Net interest margin | 3.6902% | 2,356 |
| Noninterest income to average assets | 0.2099% | 4,290 |
| Noninterest expense to average assets | 2.7266% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6510% | 3,445 |
| Return on assets (ROA) | 0.9463% | 2,463 |
| Pretax return on assets | 1.2482% | 2,041 |
| Return on Equity (ROE) | 10.8454% | 1,457 |
| Retained earnings to average equity (ytd only) | 10.8454% | 589 |
| Net charge-offs to loans | 0.2483% | 585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.6043% | 2,044 |
| Efficiency ratio | 75.7170% | 1,595 |
| Assets per employee ($millions) | 5.4728% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 2,688 |
| Loan loss allowance to noncurrent loans | 1,142.0168% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,267 |
| Noncurrent loans to loans | 0.1048% | 4,093 |
| Net loans and leases to total assets | 63.0737% | 3,180 |
| Net loans and leases to deposits | 70.8587% | 3,529 |
| Net loans and leases to core deposits | 77.0109% | 3,431 |
| Total domestic deposits to total assets | 89.0133% | 655 |
| Equity capital to assets | 8.9132% | 4,648 |
| Core capital (leverage) ratio | 8.6279% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6602% | 2,857 |
| Memoranda: | ||
| Average total assets | $356,344,000 | 1,934 |
| Average earning assets | $327,462,000 | 1,944 |
| Average equity | $31,091,500 | 2,396 |
| Average total loans | $223,888,000 | 2,028 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 2,743 |
| Cost of funding earning assets | 0.6882% | 3,222 |
| Net interest margin | 3.8733% | 2,264 |
| Noninterest income to average assets | 0.3733% | 3,462 |
| Noninterest expense to average assets | 2.7540% | 2,740 |
| Loan and lease loss provision to assets | 0.0618% | 2,801 |
| Net operating income to assets | 0.8532% | 3,383 |
| Return on assets (ROA) | 0.8532% | 3,472 |
| Pretax return on assets | 1.1205% | 3,104 |
| Return on Equity (ROE) | 10.0253% | 2,285 |
| Retained earnings to average equity (ytd only) | 10.0253% | 481 |
| Net charge-offs to loans | 0.1099% | 1,632 |
| Credit loss provision to net charge-offs | 85.5372% | 2,721 |
| Earnings coverage of net charge-offs (x) | 16.3595% | 2,176 |
| Efficiency ratio | 69.9643% | 2,178 |
| Assets per employee ($millions) | 5.4917% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 1,950 |
| Loan loss allowance to noncurrent loans | 688.4337% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 4,054 |
| Noncurrent loans to loans | 0.1880% | 3,778 |
| Net loans and leases to total assets | 61.0237% | 3,499 |
| Net loans and leases to deposits | 68.5118% | 3,774 |
| Net loans and leases to core deposits | 74.0963% | 3,712 |
| Total domestic deposits to total assets | 89.0704% | 641 |
| Equity capital to assets | 8.5377% | 4,897 |
| Core capital (leverage) ratio | 8.4405% | 4,873 |
| Tier 1 risk-based capital ratio | 11.8061% | 4,469 |
| Total risk-based capital ratio | 12.9568% | 4,408 |
| Memoranda: | ||
| Average total assets | $334,855,200 | 1,958 |
| Average earning assets | $308,031,600 | 1,977 |
| Average equity | $28,498,000 | 2,472 |
| Average total loans | $220,146,600 | 2,027 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 2,833 |
| Cost of funding earning assets | 0.7095% | 3,162 |
| Net interest margin | 3.8603% | 2,402 |
| Noninterest income to average assets | 0.2328% | 4,345 |
| Noninterest expense to average assets | 2.7878% | 2,593 |
| Loan and lease loss provision to assets | 0.0810% | 2,290 |
| Net operating income to assets | 0.7372% | 3,890 |
| Return on assets (ROA) | 0.7372% | 3,957 |
| Pretax return on assets | 0.9170% | 3,823 |
| Return on Equity (ROE) | 8.6701% | 3,024 |
| Retained earnings to average equity (ytd only) | 8.6701% | 1,144 |
| Net charge-offs to loans | -0.0048% | 4,196 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6392% | 1,623 |
| Assets per employee ($millions) | 5.5367% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 1,586 |
| Loan loss allowance to noncurrent loans | 452.7007% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 3,790 |
| Noncurrent loans to loans | 0.3087% | 3,423 |
| Net loans and leases to total assets | 61.7543% | 3,517 |
| Net loans and leases to deposits | 69.1177% | 3,833 |
| Net loans and leases to core deposits | 74.7516% | 3,781 |
| Total domestic deposits to total assets | 89.3466% | 502 |
| Equity capital to assets | 8.3142% | 5,059 |
| Core capital (leverage) ratio | 8.4550% | 4,965 |
| Tier 1 risk-based capital ratio | 11.4012% | 4,721 |
| Total risk-based capital ratio | 12.6512% | 4,615 |
| Memoranda: | ||
| Average total assets | $329,329,500 | 1,997 |
| Average earning assets | $303,114,750 | 2,015 |
| Average equity | $28,003,500 | 2,513 |
| Average total loans | $220,011,750 | 2,040 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 2,797 |
| Cost of funding earning assets | 0.7058% | 3,137 |
| Net interest margin | 3.8556% | 2,389 |
| Noninterest income to average assets | 0.2243% | 4,403 |
| Noninterest expense to average assets | 2.8437% | 2,431 |
| Loan and lease loss provision to assets | 0.0966% | 1,926 |
| Net operating income to assets | 0.6661% | 4,111 |
| Return on assets (ROA) | 0.6661% | 4,163 |
| Pretax return on assets | 0.8306% | 4,022 |
| Return on Equity (ROE) | 7.7696% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.7696% | 1,486 |
| Net charge-offs to loans | -0.0064% | 4,192 |
| Credit loss provision to net charge-offs | -2,214.2857% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4131% | 1,468 |
| Assets per employee ($millions) | 5.2027% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 1,656 |
| Loan loss allowance to noncurrent loans | 445.9854% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 3,766 |
| Noncurrent loans to loans | 0.3117% | 3,423 |
| Net loans and leases to total assets | 64.0840% | 3,328 |
| Net loans and leases to deposits | 71.4129% | 3,729 |
| Net loans and leases to core deposits | 77.7482% | 3,600 |
| Total domestic deposits to total assets | 89.7373% | 407 |
| Equity capital to assets | 8.4678% | 5,053 |
| Core capital (leverage) ratio | 8.7514% | 4,807 |
| Tier 1 risk-based capital ratio | 11.1476% | 4,849 |
| Total risk-based capital ratio | 12.3850% | 4,756 |
| Memoranda: | ||
| Average total assets | $320,990,670 | 2,043 |
| Average earning assets | $295,256,330 | 2,067 |
| Average equity | $27,517,670 | 2,533 |
| Average total loans | $219,374,000 | 2,050 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 2,612 |
| Cost of funding earning assets | 0.7010% | 3,052 |
| Net interest margin | 3.8776% | 2,256 |
| Noninterest income to average assets | 0.2023% | 4,543 |
| Noninterest expense to average assets | 2.9334% | 2,174 |
| Loan and lease loss provision to assets | 0.1408% | 1,215 |
| Net operating income to assets | 0.5378% | 4,416 |
| Return on assets (ROA) | 0.5378% | 4,444 |
| Pretax return on assets | 0.6837% | 4,338 |
| Return on Equity (ROE) | 6.2318% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.2318% | 2,354 |
| Net charge-offs to loans | -0.0091% | 4,197 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0579% | 1,259 |
| Assets per employee ($millions) | 5.2167% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,805 |
| Loan loss allowance to noncurrent loans | 372.6146% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 3,603 |
| Noncurrent loans to loans | 0.3665% | 3,269 |
| Net loans and leases to total assets | 68.2577% | 2,722 |
| Net loans and leases to deposits | 76.0256% | 3,257 |
| Net loans and leases to core deposits | 83.0923% | 3,101 |
| Total domestic deposits to total assets | 89.7825% | 534 |
| Equity capital to assets | 8.5957% | 4,928 |
| Core capital (leverage) ratio | 9.0092% | 4,649 |
| Tier 1 risk-based capital ratio | 10.8188% | 5,061 |
| Total risk-based capital ratio | 12.0301% | 4,975 |
| Memoranda: | ||
| Average total assets | $312,398,500 | 2,113 |
| Average earning assets | $286,468,000 | 2,136 |
| Average equity | $26,958,500 | 2,573 |
| Average total loans | $219,175,500 | 2,068 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 2,644 |
| Cost of funding earning assets | 0.5340% | 3,152 |
| Net interest margin | 3.9023% | 2,317 |
| Noninterest income to average assets | 0.2530% | 4,415 |
| Noninterest expense to average assets | 2.8665% | 2,461 |
| Loan and lease loss provision to assets | 0.0937% | 2,275 |
| Net operating income to assets | 0.6804% | 4,201 |
| Return on assets (ROA) | 0.6804% | 4,203 |
| Pretax return on assets | 0.8467% | 4,047 |
| Return on Equity (ROE) | 8.0474% | 3,417 |
| Retained earnings to average equity (ytd only) | 8.0474% | 1,213 |
| Net charge-offs to loans | 0.0186% | 3,076 |
| Credit loss provision to net charge-offs | 736.8421% | 487 |
| Earnings coverage of net charge-offs (x) | 73.9474% | 906 |
| Efficiency ratio | 75.2967% | 1,456 |
| Assets per employee ($millions) | 5.1962% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 1,918 |
| Loan loss allowance to noncurrent loans | 655.7823% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 3,151 |
| Noncurrent loans to loans | 0.2022% | 3,858 |
| Net loans and leases to total assets | 70.2082% | 2,536 |
| Net loans and leases to deposits | 78.4296% | 3,118 |
| Net loans and leases to core deposits | 85.4430% | 2,961 |
| Total domestic deposits to total assets | 89.5175% | 652 |
| Equity capital to assets | 8.6647% | 4,832 |
| Core capital (leverage) ratio | 8.8384% | 4,784 |
| Tier 1 risk-based capital ratio | 10.6226% | 5,133 |
| Total risk-based capital ratio | 11.7767% | 5,068 |
| Memoranda: | ||
| Average total assets | $298,796,000 | 2,170 |
| Average earning assets | $272,119,400 | 2,183 |
| Average equity | $25,262,800 | 2,626 |
| Average total loans | $203,952,400 | 2,144 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,893 |
| Cost of funding earning assets | 0.4927% | 3,248 |
| Net interest margin | 3.8268% | 2,543 |
| Noninterest income to average assets | 0.2470% | 4,503 |
| Noninterest expense to average assets | 2.9060% | 2,285 |
| Loan and lease loss provision to assets | 0.0719% | 2,520 |
| Net operating income to assets | 0.6005% | 4,499 |
| Return on assets (ROA) | 0.6005% | 4,507 |
| Pretax return on assets | 0.7474% | 4,432 |
| Return on Equity (ROE) | 7.1484% | 3,879 |
| Retained earnings to average equity (ytd only) | 7.1484% | 2,050 |
| Net charge-offs to loans | 0.0266% | 2,578 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 45.6017% | 1,238 |
| Efficiency ratio | 78.0082% | 1,121 |
| Assets per employee ($millions) | 4.9752% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,125 |
| Loan loss allowance to noncurrent loans | 351.9695% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 2,816 |
| Noncurrent loans to loans | 0.3673% | 3,329 |
| Net loans and leases to total assets | 69.6977% | 2,694 |
| Net loans and leases to deposits | 78.1724% | 3,223 |
| Net loans and leases to core deposits | 84.0776% | 3,148 |
| Total domestic deposits to total assets | 89.1591% | 791 |
| Equity capital to assets | 8.3650% | 4,999 |
| Core capital (leverage) ratio | 9.0100% | 4,694 |
| Tier 1 risk-based capital ratio | 10.5658% | 5,218 |
| Total risk-based capital ratio | 11.6964% | 5,170 |
| Memoranda: | ||
| Average total assets | $296,850,500 | 2,187 |
| Average earning assets | $269,812,500 | 2,211 |
| Average equity | $24,937,500 | 2,664 |
| Average total loans | $200,406,750 | 2,180 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 3,100 |
| Cost of funding earning assets | 0.4538% | 3,327 |
| Net interest margin | 3.7486% | 2,754 |
| Noninterest income to average assets | 0.2335% | 4,618 |
| Noninterest expense to average assets | 2.9277% | 2,262 |
| Loan and lease loss provision to assets | 0.0679% | 2,524 |
| Net operating income to assets | 0.5105% | 4,727 |
| Return on assets (ROA) | 0.5105% | 4,733 |
| Pretax return on assets | 0.6415% | 4,662 |
| Return on Equity (ROE) | 6.0675% | 4,210 |
| Retained earnings to average equity (ytd only) | 6.0675% | 2,519 |
| Net charge-offs to loans | -0.0112% | 4,357 |
| Credit loss provision to net charge-offs | -909.0909% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4965% | 960 |
| Assets per employee ($millions) | 4.9815% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 1,801 |
| Loan loss allowance to noncurrent loans | 207.2823% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 2,971 |
| Noncurrent loans to loans | 0.6686% | 2,436 |
| Net loans and leases to total assets | 64.6564% | 3,323 |
| Net loans and leases to deposits | 71.8214% | 3,726 |
| Net loans and leases to core deposits | 77.3696% | 3,629 |
| Total domestic deposits to total assets | 90.0238% | 567 |
| Equity capital to assets | 8.2090% | 5,129 |
| Core capital (leverage) ratio | 8.8032% | 4,876 |
| Tier 1 risk-based capital ratio | 11.2055% | 4,948 |
| Total risk-based capital ratio | 12.4288% | 4,862 |
| Memoranda: | ||
| Average total assets | $294,637,670 | 2,202 |
| Average earning assets | $267,510,330 | 2,225 |
| Average equity | $24,787,670 | 2,683 |
| Average total loans | $195,777,330 | 2,222 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 3,157 |
| Cost of funding earning assets | 0.4233% | 3,417 |
| Net interest margin | 3.6984% | 2,805 |
| Noninterest income to average assets | 0.2938% | 4,199 |
| Noninterest expense to average assets | 2.9708% | 2,140 |
| Loan and lease loss provision to assets | 0.0828% | 2,139 |
| Net operating income to assets | 0.4689% | 4,770 |
| Return on assets (ROA) | 0.4689% | 4,772 |
| Pretax return on assets | 0.5903% | 4,710 |
| Return on Equity (ROE) | 5.5041% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.5041% | 2,949 |
| Net charge-offs to loans | -0.0062% | 4,080 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5291% | 996 |
| Assets per employee ($millions) | 5.0527% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 1,827 |
| Loan loss allowance to noncurrent loans | 251.5292% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 1,318 |
| Noncurrent loans to loans | 0.5579% | 2,862 |
| Net loans and leases to total assets | 65.0714% | 3,168 |
| Net loans and leases to deposits | 72.2299% | 3,582 |
| Net loans and leases to core deposits | 81.0086% | 3,238 |
| Total domestic deposits to total assets | 90.0892% | 625 |
| Equity capital to assets | 8.4080% | 5,039 |
| Core capital (leverage) ratio | 8.9267% | 4,765 |
| Tier 1 risk-based capital ratio | 11.2771% | 4,992 |
| Total risk-based capital ratio | 12.5062% | 4,896 |
| Memoranda: | ||
| Average total assets | $290,019,500 | 2,249 |
| Average earning assets | $262,708,000 | 2,282 |
| Average equity | $24,709,000 | 2,709 |
| Average total loans | $194,048,500 | 2,244 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 2,864 |
| Cost of funding earning assets | 0.3120% | 4,021 |
| Net interest margin | 3.8427% | 2,281 |
| Noninterest income to average assets | 0.3350% | 4,068 |
| Noninterest expense to average assets | 3.0932% | 1,881 |
| Loan and lease loss provision to assets | -0.0409% | 5,375 |
| Net operating income to assets | 0.3012% | 4,925 |
| Return on assets (ROA) | 0.3012% | 4,941 |
| Pretax return on assets | 0.7503% | 4,387 |
| Return on Equity (ROE) | 3.3147% | 4,740 |
| Retained earnings to average equity (ytd only) | 3.3147% | 3,309 |
| Net charge-offs to loans | -0.0011% | 4,493 |
| Credit loss provision to net charge-offs | 5,500.0000% | 73 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3440% | 977 |
| Assets per employee ($millions) | 4.8641% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 1,926 |
| Loan loss allowance to noncurrent loans | 600.9070% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 1,603 |
| Noncurrent loans to loans | 0.2265% | 3,997 |
| Net loans and leases to total assets | 66.9159% | 2,979 |
| Net loans and leases to deposits | 74.5119% | 3,473 |
| Net loans and leases to core deposits | 83.3256% | 3,124 |
| Total domestic deposits to total assets | 89.8057% | 642 |
| Equity capital to assets | 8.6339% | 5,004 |
| Core capital (leverage) ratio | 9.2430% | 4,354 |
| Tier 1 risk-based capital ratio | 11.5466% | 4,817 |
| Total risk-based capital ratio | 12.7940% | 4,718 |
| Memoranda: | ||
| Average total assets | $269,237,400 | 2,354 |
| Average earning assets | $242,952,600 | 2,401 |
| Average equity | $24,467,000 | 2,714 |
| Average total loans | $185,941,600 | 2,274 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 2,986 |
| Cost of funding earning assets | 0.2963% | 4,167 |
| Net interest margin | 3.8021% | 2,384 |
| Noninterest income to average assets | 0.3484% | 4,044 |
| Noninterest expense to average assets | 3.0890% | 1,833 |
| Loan and lease loss provision to assets | -0.0554% | 5,533 |
| Net operating income to assets | 0.5544% | 4,558 |
| Return on assets (ROA) | 0.5544% | 4,598 |
| Pretax return on assets | 0.7457% | 4,498 |
| Return on Equity (ROE) | 6.0189% | 4,116 |
| Retained earnings to average equity (ytd only) | 6.0189% | 2,219 |
| Net charge-offs to loans | 0.0051% | 3,549 |
| Credit loss provision to net charge-offs | -1,571.4286% | 5,029 |
| Earnings coverage of net charge-offs (x) | 195.9218% | 442 |
| Efficiency ratio | 81.7346% | 937 |
| Assets per employee ($millions) | 4.8330% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 1,920 |
| Loan loss allowance to noncurrent loans | 6,004.5455% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 1,925 |
| Noncurrent loans to loans | 0.0232% | 5,020 |
| Net loans and leases to total assets | 70.3899% | 2,500 |
| Net loans and leases to deposits | 79.3970% | 3,027 |
| Net loans and leases to core deposits | 89.8395% | 2,626 |
| Total domestic deposits to total assets | 88.6556% | 1,038 |
| Equity capital to assets | 9.4961% | 4,452 |
| Core capital (leverage) ratio | 9.5471% | 4,099 |
| Tier 1 risk-based capital ratio | 11.7130% | 4,823 |
| Total risk-based capital ratio | 12.9615% | 4,703 |
| Memoranda: | ||
| Average total assets | $264,800,750 | 2,395 |
| Average earning assets | $238,947,250 | 2,449 |
| Average equity | $24,389,250 | 2,742 |
| Average total loans | $183,755,000 | 2,300 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 3,108 |
| Cost of funding earning assets | 0.2798% | 4,291 |
| Net interest margin | 3.7462% | 2,485 |
| Noninterest income to average assets | 0.3282% | 4,195 |
| Noninterest expense to average assets | 3.0568% | 1,950 |
| Loan and lease loss provision to assets | -0.0832% | 5,633 |
| Net operating income to assets | 0.5332% | 4,597 |
| Return on assets (ROA) | 0.5332% | 4,631 |
| Pretax return on assets | 0.7366% | 4,466 |
| Return on Equity (ROE) | 5.8494% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.8494% | 2,200 |
| Net charge-offs to loans | -0.1364% | 5,501 |
| Credit loss provision to net charge-offs | 88.7097% | 2,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3889% | 968 |
| Assets per employee ($millions) | 4.9906% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 1,642 |
| Loan loss allowance to noncurrent loans | 199.0668% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 1,779 |
| Noncurrent loans to loans | 0.7440% | 2,539 |
| Net loans and leases to total assets | 68.4492% | 2,744 |
| Net loans and leases to deposits | 77.3318% | 3,181 |
| Net loans and leases to core deposits | 87.0262% | 2,792 |
| Total domestic deposits to total assets | 88.5136% | 1,198 |
| Equity capital to assets | 9.1828% | 4,731 |
| Core capital (leverage) ratio | 9.3190% | 4,344 |
| Tier 1 risk-based capital ratio | 11.6293% | 4,878 |
| Total risk-based capital ratio | 12.8802% | 4,756 |
| Memoranda: | ||
| Average total assets | $264,462,670 | 2,412 |
| Average earning assets | $238,750,330 | 2,460 |
| Average equity | $24,105,000 | 2,772 |
| Average total loans | $181,757,000 | 2,328 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 3,237 |
| Cost of funding earning assets | 0.2762% | 4,287 |
| Net interest margin | 3.6649% | 2,629 |
| Noninterest income to average assets | 0.3390% | 4,134 |
| Noninterest expense to average assets | 3.0724% | 1,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4199% | 4,890 |
| Return on assets (ROA) | 0.4199% | 4,911 |
| Pretax return on assets | 0.5696% | 4,796 |
| Return on Equity (ROE) | 4.6250% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.6250% | 3,103 |
| Net charge-offs to loans | -0.0134% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3606% | 941 |
| Assets per employee ($millions) | 5.0957% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 1,478 |
| Loan loss allowance to noncurrent loans | 196.7283% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0359% | 1,753 |
| Noncurrent loans to loans | 0.7931% | 2,473 |
| Net loans and leases to total assets | 65.8553% | 2,992 |
| Net loans and leases to deposits | 73.5727% | 3,444 |
| Net loans and leases to core deposits | 83.3837% | 2,955 |
| Total domestic deposits to total assets | 89.5104% | 893 |
| Equity capital to assets | 9.0536% | 4,756 |
| Core capital (leverage) ratio | 9.5323% | 4,079 |
| Tier 1 risk-based capital ratio | 11.9243% | 4,770 |
| Total risk-based capital ratio | 13.1758% | 4,667 |
| Memoranda: | ||
| Average total assets | $261,948,000 | 2,449 |
| Average earning assets | $236,075,000 | 2,505 |
| Average equity | $23,784,000 | 2,808 |
| Average total loans | $179,016,500 | 2,370 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 2,546 |
| Cost of funding earning assets | 0.2768% | 4,289 |
| Net interest margin | 3.9047% | 1,951 |
| Noninterest income to average assets | 0.3720% | 4,087 |
| Noninterest expense to average assets | 3.1502% | 1,897 |
| Loan and lease loss provision to assets | 0.0141% | 4,099 |
| Net operating income to assets | 0.4809% | 4,707 |
| Return on assets (ROA) | 0.4809% | 4,782 |
| Pretax return on assets | 0.7359% | 4,378 |
| Return on Equity (ROE) | 5.0928% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.0928% | 2,290 |
| Net charge-offs to loans | 0.0464% | 3,107 |
| Credit loss provision to net charge-offs | 42.6829% | 3,469 |
| Earnings coverage of net charge-offs (x) | 22.6707% | 1,719 |
| Efficiency ratio | 80.7696% | 1,332 |
| Assets per employee ($millions) | 4.8852% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,578 |
| Loan loss allowance to noncurrent loans | 598.4816% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 2,635 |
| Noncurrent loans to loans | 0.2550% | 4,241 |
| Net loans and leases to total assets | 68.7500% | 2,657 |
| Net loans and leases to deposits | 76.9566% | 3,208 |
| Net loans and leases to core deposits | 87.7162% | 2,703 |
| Total domestic deposits to total assets | 89.3360% | 930 |
| Equity capital to assets | 9.1064% | 4,701 |
| Core capital (leverage) ratio | 9.6143% | 3,945 |
| Tier 1 risk-based capital ratio | 11.7516% | 4,891 |
| Total risk-based capital ratio | 13.0031% | 4,795 |
| Memoranda: | ||
| Average total assets | $247,859,200 | 2,526 |
| Average earning assets | $223,962,400 | 2,558 |
| Average equity | $23,405,600 | 2,860 |
| Average total loans | $176,578,200 | 2,346 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 2,489 |
| Cost of funding earning assets | 0.2816% | 4,281 |
| Net interest margin | 3.9243% | 1,898 |
| Noninterest income to average assets | 0.3824% | 4,048 |
| Noninterest expense to average assets | 3.1633% | 1,868 |
| Loan and lease loss provision to assets | 0.0190% | 3,867 |
| Net operating income to assets | 0.4934% | 4,721 |
| Return on assets (ROA) | 0.4934% | 4,814 |
| Pretax return on assets | 0.7556% | 4,455 |
| Return on Equity (ROE) | 5.1762% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.1762% | 2,710 |
| Net charge-offs to loans | 0.0038% | 3,790 |
| Credit loss provision to net charge-offs | 700.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 284.6507% | 286 |
| Efficiency ratio | 80.3288% | 1,403 |
| Assets per employee ($millions) | 4.8482% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 1,552 |
| Loan loss allowance to noncurrent loans | 523.4317% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 2,837 |
| Noncurrent loans to loans | 0.3008% | 4,173 |
| Net loans and leases to total assets | 69.0186% | 2,639 |
| Net loans and leases to deposits | 77.8703% | 3,193 |
| Net loans and leases to core deposits | 88.5023% | 2,715 |
| Total domestic deposits to total assets | 88.6327% | 1,084 |
| Equity capital to assets | 9.3557% | 4,812 |
| Core capital (leverage) ratio | 9.4051% | 4,322 |
| Tier 1 risk-based capital ratio | 11.8417% | 4,891 |
| Total risk-based capital ratio | 13.0941% | 4,787 |
| Memoranda: | ||
| Average total assets | $245,094,500 | 2,558 |
| Average earning assets | $222,065,500 | 2,584 |
| Average equity | $23,362,500 | 2,876 |
| Average total loans | $175,531,500 | 2,358 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 2,349 |
| Cost of funding earning assets | 0.2857% | 4,291 |
| Net interest margin | 3.9588% | 1,778 |
| Noninterest income to average assets | 0.3857% | 3,982 |
| Noninterest expense to average assets | 3.2015% | 1,807 |
| Loan and lease loss provision to assets | 0.0290% | 3,549 |
| Net operating income to assets | 0.4852% | 4,742 |
| Return on assets (ROA) | 0.4852% | 4,841 |
| Pretax return on assets | 0.7415% | 4,488 |
| Return on Equity (ROE) | 5.0569% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.0569% | 2,697 |
| Net charge-offs to loans | 0.1046% | 1,783 |
| Credit loss provision to net charge-offs | 38.4615% | 2,787 |
| Earnings coverage of net charge-offs (x) | 10.2088% | 2,348 |
| Efficiency ratio | 80.6014% | 1,428 |
| Assets per employee ($millions) | 4.8669% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 1,670 |
| Loan loss allowance to noncurrent loans | 296.4440% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 2,447 |
| Noncurrent loans to loans | 0.5232% | 3,515 |
| Net loans and leases to total assets | 69.0043% | 2,627 |
| Net loans and leases to deposits | 77.9498% | 3,162 |
| Net loans and leases to core deposits | 87.1331% | 2,802 |
| Total domestic deposits to total assets | 88.5240% | 1,154 |
| Equity capital to assets | 9.3576% | 4,910 |
| Core capital (leverage) ratio | 9.5807% | 4,092 |
| Tier 1 risk-based capital ratio | 12.0593% | 4,786 |
| Total risk-based capital ratio | 13.3116% | 4,706 |
| Memoranda: | ||
| Average total assets | $241,140,330 | 2,593 |
| Average earning assets | $218,448,000 | 2,631 |
| Average equity | $23,136,670 | 2,907 |
| Average total loans | $173,980,330 | 2,377 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,267 |
| Cost of funding earning assets | 0.2937% | 4,235 |
| Net interest margin | 3.9672% | 1,717 |
| Noninterest income to average assets | 0.3929% | 3,883 |
| Noninterest expense to average assets | 3.3065% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4456% | 4,847 |
| Return on assets (ROA) | 0.4456% | 4,927 |
| Pretax return on assets | 0.6701% | 4,620 |
| Return on Equity (ROE) | 4.5836% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.5836% | 3,188 |
| Net charge-offs to loans | 0.0882% | 1,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.3684% | 1,926 |
| Efficiency ratio | 83.1480% | 1,243 |
| Assets per employee ($millions) | 4.7495% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 1,508 |
| Loan loss allowance to noncurrent loans | 298.3836% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 2,554 |
| Noncurrent loans to loans | 0.5493% | 3,532 |
| Net loans and leases to total assets | 68.6019% | 2,562 |
| Net loans and leases to deposits | 77.3460% | 3,071 |
| Net loans and leases to core deposits | 87.5280% | 2,610 |
| Total domestic deposits to total assets | 88.6948% | 1,246 |
| Equity capital to assets | 9.5659% | 4,603 |
| Core capital (leverage) ratio | 9.8800% | 3,683 |
| Tier 1 risk-based capital ratio | 12.5775% | 4,530 |
| Total risk-based capital ratio | 13.8309% | 4,442 |
| Memoranda: | ||
| Average total assets | $235,172,000 | 2,651 |
| Average earning assets | $212,439,500 | 2,695 |
| Average equity | $22,864,000 | 2,942 |
| Average total loans | $172,278,000 | 2,383 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 2,410 |
| Cost of funding earning assets | 0.2996% | 4,252 |
| Net interest margin | 3.9433% | 1,896 |
| Noninterest income to average assets | 0.3353% | 4,502 |
| Noninterest expense to average assets | 3.2251% | 1,901 |
| Loan and lease loss provision to assets | 0.1112% | 2,139 |
| Net operating income to assets | 0.3620% | 5,170 |
| Return on assets (ROA) | 0.3730% | 5,218 |
| Pretax return on assets | 0.5629% | 4,950 |
| Return on Equity (ROE) | 3.9585% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.9585% | 3,218 |
| Net charge-offs to loans | -0.0529% | 5,572 |
| Credit loss provision to net charge-offs | -298.8506% | 5,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0671% | 1,267 |
| Assets per employee ($millions) | 4.3041% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 1,620 |
| Loan loss allowance to noncurrent loans | 324.8843% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 2,395 |
| Noncurrent loans to loans | 0.4920% | 3,726 |
| Net loans and leases to total assets | 75.7539% | 1,457 |
| Net loans and leases to deposits | 86.1817% | 2,112 |
| Net loans and leases to core deposits | 99.7575% | 1,520 |
| Total domestic deposits to total assets | 87.9002% | 1,685 |
| Equity capital to assets | 9.8883% | 4,088 |
| Core capital (leverage) ratio | 9.9796% | 3,538 |
| Tier 1 risk-based capital ratio | 11.7583% | 5,099 |
| Total risk-based capital ratio | 13.0112% | 5,017 |
| Memoranda: | ||
| Average total assets | $233,788,000 | 2,630 |
| Average earning assets | $210,305,400 | 2,676 |
| Average equity | $22,028,800 | 2,971 |
| Average total loans | $164,499,400 | 2,409 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 2,686 |
| Cost of funding earning assets | 0.3030% | 4,308 |
| Net interest margin | 3.8651% | 2,138 |
| Noninterest income to average assets | 0.3401% | 4,505 |
| Noninterest expense to average assets | 3.2232% | 1,907 |
| Loan and lease loss provision to assets | 0.1247% | 1,818 |
| Net operating income to assets | 0.3243% | 5,387 |
| Return on assets (ROA) | 0.3396% | 5,429 |
| Pretax return on assets | 0.4926% | 5,236 |
| Return on Equity (ROE) | 3.6473% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.6473% | 3,872 |
| Net charge-offs to loans | -0.0668% | 5,646 |
| Credit loss provision to net charge-offs | -271.6049% | 5,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4121% | 1,129 |
| Assets per employee ($millions) | 4.4531% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 1,732 |
| Loan loss allowance to noncurrent loans | 319.0751% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 2,686 |
| Noncurrent loans to loans | 0.5066% | 3,830 |
| Net loans and leases to total assets | 71.1807% | 2,199 |
| Net loans and leases to deposits | 80.4666% | 2,821 |
| Net loans and leases to core deposits | 93.8866% | 2,085 |
| Total domestic deposits to total assets | 88.4599% | 1,309 |
| Equity capital to assets | 9.4478% | 4,813 |
| Core capital (leverage) ratio | 9.6716% | 4,072 |
| Tier 1 risk-based capital ratio | 11.4562% | 5,397 |
| Total risk-based capital ratio | 12.7089% | 5,318 |
| Memoranda: | ||
| Average total assets | $235,205,250 | 2,636 |
| Average earning assets | $211,664,000 | 2,680 |
| Average equity | $21,896,750 | 3,000 |
| Average total loans | $161,720,250 | 2,460 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 2,726 |
| Cost of funding earning assets | 0.3053% | 4,341 |
| Net interest margin | 3.8424% | 2,164 |
| Noninterest income to average assets | 0.3209% | 4,658 |
| Noninterest expense to average assets | 3.2094% | 1,959 |
| Loan and lease loss provision to assets | 0.0936% | 2,255 |
| Net operating income to assets | 0.3367% | 5,338 |
| Return on assets (ROA) | 0.3516% | 5,403 |
| Pretax return on assets | 0.4997% | 5,228 |
| Return on Equity (ROE) | 3.7954% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.7954% | 3,592 |
| Net charge-offs to loans | -0.0907% | 5,752 |
| Credit loss provision to net charge-offs | -152.7778% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8717% | 1,167 |
| Assets per employee ($millions) | 4.3995% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,892 |
| Loan loss allowance to noncurrent loans | 340.3351% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 2,865 |
| Noncurrent loans to loans | 0.4717% | 4,063 |
| Net loans and leases to total assets | 69.4257% | 2,420 |
| Net loans and leases to deposits | 78.7272% | 2,934 |
| Net loans and leases to core deposits | 94.1142% | 1,952 |
| Total domestic deposits to total assets | 88.1852% | 1,556 |
| Equity capital to assets | 9.4119% | 4,764 |
| Core capital (leverage) ratio | 9.3673% | 4,468 |
| Tier 1 risk-based capital ratio | 11.5555% | 5,427 |
| Total risk-based capital ratio | 12.8090% | 5,342 |
| Memoranda: | ||
| Average total assets | $234,936,330 | 2,660 |
| Average earning assets | $211,588,670 | 2,700 |
| Average equity | $21,763,000 | 3,026 |
| Average total loans | $158,708,670 | 2,494 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 2,739 |
| Cost of funding earning assets | 0.3087% | 4,341 |
| Net interest margin | 3.8139% | 2,187 |
| Noninterest income to average assets | 0.2714% | 5,009 |
| Noninterest expense to average assets | 3.1278% | 2,186 |
| Loan and lease loss provision to assets | 0.0594% | 2,744 |
| Net operating income to assets | 0.3671% | 5,195 |
| Return on assets (ROA) | 0.3647% | 5,323 |
| Pretax return on assets | 0.5173% | 5,133 |
| Return on Equity (ROE) | 3.9683% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.9683% | 3,619 |
| Net charge-offs to loans | -0.1617% | 5,995 |
| Credit loss provision to net charge-offs | -55.5556% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3550% | 1,335 |
| Assets per employee ($millions) | 4.4807% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 2,035 |
| Loan loss allowance to noncurrent loans | 329.0862% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 3,003 |
| Noncurrent loans to loans | 0.4877% | 4,116 |
| Net loans and leases to total assets | 66.0154% | 2,762 |
| Net loans and leases to deposits | 74.8004% | 3,181 |
| Net loans and leases to core deposits | 87.2842% | 2,405 |
| Total domestic deposits to total assets | 88.2553% | 1,683 |
| Equity capital to assets | 9.2270% | 5,050 |
| Core capital (leverage) ratio | 9.4069% | 4,417 |
| Tier 1 risk-based capital ratio | 11.9772% | 5,255 |
| Total risk-based capital ratio | 13.2294% | 5,145 |
| Memoranda: | ||
| Average total assets | $235,818,000 | 2,669 |
| Average earning assets | $212,488,500 | 2,705 |
| Average equity | $21,671,500 | 3,051 |
| Average total loans | $155,801,500 | 2,544 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 3,199 |
| Cost of funding earning assets | 0.3641% | 4,097 |
| Net interest margin | 3.7677% | 2,744 |
| Noninterest income to average assets | 0.3378% | 4,693 |
| Noninterest expense to average assets | 3.2728% | 2,000 |
| Loan and lease loss provision to assets | 0.0304% | 3,998 |
| Net operating income to assets | 0.3770% | 5,300 |
| Return on assets (ROA) | 0.3648% | 5,411 |
| Pretax return on assets | 0.3865% | 5,519 |
| Return on Equity (ROE) | 4.2432% | 5,003 |
| Retained earnings to average equity (ytd only) | 4.2432% | 3,170 |
| Net charge-offs to loans | -0.1165% | 6,154 |
| Credit loss provision to net charge-offs | -43.7500% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3879% | 960 |
| Assets per employee ($millions) | 4.2574% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 2,038 |
| Loan loss allowance to noncurrent loans | 168.9560% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 2,447 |
| Noncurrent loans to loans | 0.9562% | 2,938 |
| Net loans and leases to total assets | 63.9799% | 3,228 |
| Net loans and leases to deposits | 72.2772% | 3,643 |
| Net loans and leases to core deposits | 88.1674% | 2,480 |
| Total domestic deposits to total assets | 88.5201% | 1,519 |
| Equity capital to assets | 9.1524% | 5,125 |
| Core capital (leverage) ratio | 8.7314% | 5,320 |
| Tier 1 risk-based capital ratio | 11.9422% | 5,402 |
| Total risk-based capital ratio | 13.1950% | 5,302 |
| Memoranda: | ||
| Average total assets | $230,017,400 | 2,699 |
| Average earning assets | $205,431,400 | 2,748 |
| Average equity | $19,773,000 | 3,186 |
| Average total loans | $137,331,600 | 2,747 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 3,348 |
| Cost of funding earning assets | 0.3748% | 4,077 |
| Net interest margin | 3.7321% | 2,889 |
| Noninterest income to average assets | 0.4064% | 4,200 |
| Noninterest expense to average assets | 3.2287% | 2,093 |
| Loan and lease loss provision to assets | 0.0408% | 3,592 |
| Net operating income to assets | 0.4351% | 5,129 |
| Return on assets (ROA) | 0.4280% | 5,224 |
| Pretax return on assets | 0.4571% | 5,449 |
| Return on Equity (ROE) | 5.0623% | 4,692 |
| Retained earnings to average equity (ytd only) | 5.0623% | 3,043 |
| Net charge-offs to loans | -0.0808% | 6,076 |
| Credit loss provision to net charge-offs | -86.4198% | 5,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4650% | 1,139 |
| Assets per employee ($millions) | 4.2201% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 1,930 |
| Loan loss allowance to noncurrent loans | 163.1254% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 1.5691% | 1,950 |
| Noncurrent loans to loans | 1.0494% | 2,973 |
| Net loans and leases to total assets | 58.8765% | 3,950 |
| Net loans and leases to deposits | 66.4926% | 4,279 |
| Net loans and leases to core deposits | 82.9924% | 3,002 |
| Total domestic deposits to total assets | 88.5458% | 1,479 |
| Equity capital to assets | 8.7278% | 5,621 |
| Core capital (leverage) ratio | 8.7376% | 5,400 |
| Tier 1 risk-based capital ratio | 12.6147% | 5,096 |
| Total risk-based capital ratio | 13.8678% | 5,017 |
| Memoranda: | ||
| Average total assets | $228,982,250 | 2,727 |
| Average earning assets | $204,171,250 | 2,783 |
| Average equity | $19,358,500 | 3,243 |
| Average total loans | $133,596,000 | 2,812 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 3,414 |
| Cost of funding earning assets | 0.3886% | 4,010 |
| Net interest margin | 3.6949% | 2,985 |
| Noninterest income to average assets | 0.3922% | 4,296 |
| Noninterest expense to average assets | 3.1798% | 2,251 |
| Loan and lease loss provision to assets | 0.0614% | 3,039 |
| Net operating income to assets | 0.4466% | 5,033 |
| Return on assets (ROA) | 0.4387% | 5,139 |
| Pretax return on assets | 0.4387% | 5,456 |
| Return on Equity (ROE) | 5.2470% | 4,555 |
| Retained earnings to average equity (ytd only) | 5.2470% | 2,801 |
| Net charge-offs to loans | -0.1078% | 6,172 |
| Credit loss provision to net charge-offs | -98.5915% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2241% | 1,255 |
| Assets per employee ($millions) | 4.1150% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7727% | 1,914 |
| Loan loss allowance to noncurrent loans | 157.4751% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.6004% | 2,046 |
| Noncurrent loans to loans | 1.1257% | 2,970 |
| Net loans and leases to total assets | 56.9866% | 4,112 |
| Net loans and leases to deposits | 64.4878% | 4,440 |
| Net loans and leases to core deposits | 80.5927% | 3,148 |
| Total domestic deposits to total assets | 88.3680% | 1,701 |
| Equity capital to assets | 8.6460% | 5,669 |
| Core capital (leverage) ratio | 8.7701% | 5,308 |
| Tier 1 risk-based capital ratio | 12.8803% | 4,992 |
| Total risk-based capital ratio | 14.1344% | 4,921 |
| Memoranda: | ||
| Average total assets | $227,940,330 | 2,747 |
| Average earning assets | $203,307,670 | 2,800 |
| Average equity | $19,058,670 | 3,279 |
| Average total loans | $131,782,330 | 2,843 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,267 |
| Cost of funding earning assets | 0.3953% | 4,031 |
| Net interest margin | 3.7080% | 2,832 |
| Noninterest income to average assets | 0.3953% | 4,224 |
| Noninterest expense to average assets | 3.1126% | 2,487 |
| Loan and lease loss provision to assets | 0.1235% | 1,953 |
| Net operating income to assets | 0.4694% | 4,845 |
| Return on assets (ROA) | 0.4694% | 4,919 |
| Pretax return on assets | 0.4694% | 5,258 |
| Return on Equity (ROE) | 5.7124% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.7124% | 2,688 |
| Net charge-offs to loans | -0.1682% | 6,331 |
| Credit loss provision to net charge-offs | -127.2727% | 4,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0000% | 1,672 |
| Assets per employee ($millions) | 4.2804% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 1,872 |
| Loan loss allowance to noncurrent loans | 119.4219% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 2.1697% | 1,533 |
| Noncurrent loans to loans | 1.5569% | 2,484 |
| Net loans and leases to total assets | 53.7793% | 4,449 |
| Net loans and leases to deposits | 60.4049% | 4,721 |
| Net loans and leases to core deposits | 76.2599% | 3,384 |
| Total domestic deposits to total assets | 89.0314% | 1,639 |
| Equity capital to assets | 8.2188% | 5,896 |
| Core capital (leverage) ratio | 8.8678% | 5,179 |
| Tier 1 risk-based capital ratio | 13.2400% | 4,870 |
| Total risk-based capital ratio | 14.4950% | 4,800 |
| Memoranda: | ||
| Average total assets | $226,689,500 | 2,765 |
| Average earning assets | $202,375,500 | 2,827 |
| Average equity | $18,626,000 | 3,334 |
| Average total loans | $130,828,000 | 2,863 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 4,280 |
| Cost of funding earning assets | 0.4540% | 4,073 |
| Net interest margin | 3.4966% | 3,926 |
| Noninterest income to average assets | 0.1953% | 5,919 |
| Noninterest expense to average assets | 3.0936% | 2,757 |
| Loan and lease loss provision to assets | 0.6066% | 409 |
| Net operating income to assets | -0.3334% | 6,432 |
| Return on assets (ROA) | -0.2682% | 6,419 |
| Pretax return on assets | -0.2989% | 6,411 |
| Return on Equity (ROE) | -3.0781% | 6,431 |
| Retained earnings to average equity (ytd only) | -3.0781% | 6,268 |
| Net charge-offs to loans | 1.2966% | 393 |
| Credit loss provision to net charge-offs | 83.1028% | 2,952 |
| Earnings coverage of net charge-offs (x) | 0.3223% | 4,978 |
| Efficiency ratio | 92.9325% | 810 |
| Assets per employee ($millions) | 4.1932% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 2,561 |
| Loan loss allowance to noncurrent loans | 51.7169% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.5153% | 1,360 |
| Noncurrent loans to loans | 3.1927% | 1,060 |
| Net loans and leases to total assets | 59.7405% | 3,763 |
| Net loans and leases to deposits | 67.6091% | 4,106 |
| Net loans and leases to core deposits | 83.8752% | 2,686 |
| Total domestic deposits to total assets | 88.3616% | 1,973 |
| Equity capital to assets | 8.2142% | 5,864 |
| Core capital (leverage) ratio | 8.5674% | 5,586 |
| Tier 1 risk-based capital ratio | 12.2824% | 5,440 |
| Total risk-based capital ratio | 13.5349% | 5,363 |
| Memoranda: | ||
| Average total assets | $227,827,600 | 2,738 |
| Average earning assets | $204,172,400 | 2,784 |
| Average equity | $19,850,000 | 3,164 |
| Average total loans | $128,262,600 | 2,886 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8724% | 4,602 |
| Cost of funding earning assets | 0.4665% | 4,099 |
| Net interest margin | 3.4060% | 4,260 |
| Noninterest income to average assets | 0.2821% | 5,430 |
| Noninterest expense to average assets | 3.1299% | 2,568 |
| Loan and lease loss provision to assets | 0.5729% | 438 |
| Net operating income to assets | -0.3676% | 6,554 |
| Return on assets (ROA) | -0.2716% | 6,525 |
| Pretax return on assets | -0.2711% | 6,503 |
| Return on Equity (ROE) | -3.0750% | 6,524 |
| Retained earnings to average equity (ytd only) | -3.0750% | 6,360 |
| Net charge-offs to loans | 1.3778% | 376 |
| Credit loss provision to net charge-offs | 75.3058% | 2,959 |
| Earnings coverage of net charge-offs (x) | 0.2706% | 4,774 |
| Efficiency ratio | 93.8274% | 747 |
| Assets per employee ($millions) | 4.3061% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 2,608 |
| Loan loss allowance to noncurrent loans | 62.0602% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 2.3262% | 1,695 |
| Noncurrent loans to loans | 2.7486% | 1,529 |
| Net loans and leases to total assets | 55.2194% | 4,425 |
| Net loans and leases to deposits | 62.5088% | 4,690 |
| Net loans and leases to core deposits | 76.0826% | 3,605 |
| Total domestic deposits to total assets | 88.3386% | 1,923 |
| Equity capital to assets | 7.9242% | 6,195 |
| Core capital (leverage) ratio | 8.4923% | 5,779 |
| Tier 1 risk-based capital ratio | 12.6545% | 5,356 |
| Total risk-based capital ratio | 13.9074% | 5,299 |
| Memoranda: | ||
| Average total assets | $229,225,000 | 2,745 |
| Average earning assets | $205,516,000 | 2,801 |
| Average equity | $20,248,750 | 3,161 |
| Average total loans | $126,579,500 | 2,935 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 4,906 |
| Cost of funding earning assets | 0.4775% | 4,125 |
| Net interest margin | 3.2989% | 4,582 |
| Noninterest income to average assets | 0.3441% | 4,936 |
| Noninterest expense to average assets | 3.0197% | 2,934 |
| Loan and lease loss provision to assets | 0.6534% | 375 |
| Net operating income to assets | -0.3607% | 6,589 |
| Return on assets (ROA) | -0.2169% | 6,532 |
| Pretax return on assets | -0.2178% | 6,509 |
| Return on Equity (ROE) | -2.3748% | 6,545 |
| Retained earnings to average equity (ytd only) | -2.3748% | 6,235 |
| Net charge-offs to loans | 1.4694% | 364 |
| Credit loss provision to net charge-offs | 80.9935% | 2,606 |
| Earnings coverage of net charge-offs (x) | 0.3618% | 4,420 |
| Efficiency ratio | 91.1865% | 969 |
| Assets per employee ($millions) | 4.1660% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 2,218 |
| Loan loss allowance to noncurrent loans | 50.8054% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 3.7058% | 994 |
| Noncurrent loans to loans | 3.6670% | 1,113 |
| Net loans and leases to total assets | 53.6582% | 4,638 |
| Net loans and leases to deposits | 60.9832% | 4,864 |
| Net loans and leases to core deposits | 73.1496% | 3,907 |
| Total domestic deposits to total assets | 87.9885% | 2,250 |
| Equity capital to assets | 8.9181% | 5,303 |
| Core capital (leverage) ratio | 8.6116% | 5,541 |
| Tier 1 risk-based capital ratio | 13.1549% | 5,031 |
| Total risk-based capital ratio | 14.4093% | 4,964 |
| Memoranda: | ||
| Average total assets | $229,558,670 | 2,746 |
| Average earning assets | $206,492,000 | 2,791 |
| Average equity | $20,970,000 | 3,094 |
| Average total loans | $126,035,670 | 2,953 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 4,773 |
| Cost of funding earning assets | 0.4891% | 4,188 |
| Net interest margin | 3.3269% | 4,414 |
| Noninterest income to average assets | 0.4039% | 4,427 |
| Noninterest expense to average assets | 3.0030% | 2,982 |
| Loan and lease loss provision to assets | 0.4439% | 644 |
| Net operating income to assets | -0.0455% | 6,395 |
| Return on assets (ROA) | 0.0592% | 6,316 |
| Pretax return on assets | 0.0609% | 6,320 |
| Return on Equity (ROE) | 0.6404% | 6,298 |
| Retained earnings to average equity (ytd only) | 0.6404% | 5,573 |
| Net charge-offs to loans | 0.3924% | 1,476 |
| Credit loss provision to net charge-offs | 205.6452% | 1,063 |
| Earnings coverage of net charge-offs (x) | 1.8387% | 3,227 |
| Efficiency ratio | 88.3257% | 1,298 |
| Assets per employee ($millions) | 4.2143% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1116% | 1,769 |
| Loan loss allowance to noncurrent loans | 55.8233% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.8998% | 1,555 |
| Noncurrent loans to loans | 3.7826% | 1,223 |
| Net loans and leases to total assets | 53.7993% | 4,447 |
| Net loans and leases to deposits | 61.2881% | 4,644 |
| Net loans and leases to core deposits | 75.5780% | 3,373 |
| Total domestic deposits to total assets | 87.7809% | 2,470 |
| Equity capital to assets | 9.2974% | 5,133 |
| Core capital (leverage) ratio | 8.4812% | 5,623 |
| Tier 1 risk-based capital ratio | 13.5225% | 4,853 |
| Total risk-based capital ratio | 14.7805% | 4,803 |
| Memoranda: | ||
| Average total assets | $229,773,000 | 2,776 |
| Average earning assets | $206,922,000 | 2,823 |
| Average equity | $21,238,000 | 3,105 |
| Average total loans | $126,413,000 | 2,960 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 4,303 |
| Cost of funding earning assets | 0.6191% | 4,183 |
| Net interest margin | 3.6550% | 3,852 |
| Noninterest income to average assets | 0.2304% | 5,801 |
| Noninterest expense to average assets | 3.0241% | 3,184 |
| Loan and lease loss provision to assets | 0.9457% | 452 |
| Net operating income to assets | -0.2800% | 6,425 |
| Return on assets (ROA) | 0.0124% | 6,285 |
| Pretax return on assets | -0.0434% | 6,326 |
| Return on Equity (ROE) | 0.1354% | 6,284 |
| Retained earnings to average equity (ytd only) | 0.1354% | 5,772 |
| Net charge-offs to loans | 2.5557% | 236 |
| Credit loss provision to net charge-offs | 63.1548% | 4,372 |
| Earnings coverage of net charge-offs (x) | 0.2974% | 5,331 |
| Efficiency ratio | 87.1631% | 1,313 |
| Assets per employee ($millions) | 4.5485% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9647% | 2,118 |
| Loan loss allowance to noncurrent loans | 68.9371% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.4485% | 1,996 |
| Noncurrent loans to loans | 2.8500% | 1,840 |
| Net loans and leases to total assets | 53.9901% | 4,621 |
| Net loans and leases to deposits | 61.5383% | 4,840 |
| Net loans and leases to core deposits | 76.5447% | 3,457 |
| Total domestic deposits to total assets | 87.7341% | 2,389 |
| Equity capital to assets | 9.1897% | 5,281 |
| Core capital (leverage) ratio | 8.6698% | 5,369 |
| Tier 1 risk-based capital ratio | 13.2702% | 4,923 |
| Total risk-based capital ratio | 14.5264% | 4,862 |
| Memoranda: | ||
| Average total assets | $225,656,600 | 2,779 |
| Average earning assets | $199,970,600 | 2,846 |
| Average equity | $20,684,600 | 3,119 |
| Average total loans | $132,214,000 | 2,843 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 4,141 |
| Cost of funding earning assets | 0.6468% | 4,224 |
| Net interest margin | 3.7311% | 3,650 |
| Noninterest income to average assets | 0.1714% | 6,281 |
| Noninterest expense to average assets | 3.0191% | 3,171 |
| Loan and lease loss provision to assets | 0.7938% | 597 |
| Net operating income to assets | -0.3400% | 6,606 |
| Return on assets (ROA) | 0.1166% | 6,234 |
| Pretax return on assets | 0.1196% | 6,241 |
| Return on Equity (ROE) | 1.2732% | 6,199 |
| Retained earnings to average equity (ytd only) | 1.2732% | 5,661 |
| Net charge-offs to loans | 1.4740% | 590 |
| Credit loss provision to net charge-offs | 90.5020% | 3,276 |
| Earnings coverage of net charge-offs (x) | 0.5102% | 5,063 |
| Efficiency ratio | 87.0923% | 1,295 |
| Assets per employee ($millions) | 4.1470% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7638% | 916 |
| Loan loss allowance to noncurrent loans | 94.2879% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 2.6744% | 1,967 |
| Noncurrent loans to loans | 2.9313% | 1,905 |
| Net loans and leases to total assets | 57.8650% | 4,157 |
| Net loans and leases to deposits | 65.9659% | 4,472 |
| Net loans and leases to core deposits | 80.5065% | 3,140 |
| Total domestic deposits to total assets | 87.7196% | 2,213 |
| Equity capital to assets | 9.5464% | 5,145 |
| Core capital (leverage) ratio | 8.6659% | 5,527 |
| Tier 1 risk-based capital ratio | 13.2700% | 5,041 |
| Total risk-based capital ratio | 14.5364% | 4,996 |
| Memoranda: | ||
| Average total assets | $224,076,750 | 2,811 |
| Average earning assets | $197,899,000 | 2,886 |
| Average equity | $20,526,250 | 3,169 |
| Average total loans | $133,329,000 | 2,845 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 4,165 |
| Cost of funding earning assets | 0.6736% | 4,241 |
| Net interest margin | 3.7329% | 3,671 |
| Noninterest income to average assets | 0.1561% | 6,414 |
| Noninterest expense to average assets | 3.0358% | 3,137 |
| Loan and lease loss provision to assets | 0.7743% | 663 |
| Net operating income to assets | -0.2843% | 6,605 |
| Return on assets (ROA) | 0.2643% | 5,912 |
| Pretax return on assets | 0.3335% | 5,884 |
| Return on Equity (ROE) | 2.9252% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.9252% | 4,687 |
| Net charge-offs to loans | 1.9676% | 432 |
| Credit loss provision to net charge-offs | 66.1364% | 3,657 |
| Earnings coverage of net charge-offs (x) | 0.3530% | 4,903 |
| Efficiency ratio | 88.0175% | 1,234 |
| Assets per employee ($millions) | 4.2435% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 1,281 |
| Loan loss allowance to noncurrent loans | 352.6652% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6883% | 3,190 |
| Noncurrent loans to loans | 0.7090% | 5,090 |
| Net loans and leases to total assets | 57.3514% | 4,272 |
| Net loans and leases to deposits | 65.6045% | 4,554 |
| Net loans and leases to core deposits | 83.9380% | 2,696 |
| Total domestic deposits to total assets | 87.4199% | 2,524 |
| Equity capital to assets | 9.1537% | 5,515 |
| Core capital (leverage) ratio | 8.4543% | 5,705 |
| Tier 1 risk-based capital ratio | 12.5954% | 5,501 |
| Total risk-based capital ratio | 13.8577% | 5,476 |
| Memoranda: | ||
| Average total assets | $225,506,000 | 2,811 |
| Average earning assets | $198,934,000 | 2,887 |
| Average equity | $20,374,330 | 3,180 |
| Average total loans | $134,173,330 | 2,848 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 4,078 |
| Cost of funding earning assets | 0.7055% | 4,232 |
| Net interest margin | 3.7528% | 3,586 |
| Noninterest income to average assets | 0.3543% | 5,036 |
| Noninterest expense to average assets | 3.1142% | 2,874 |
| Loan and lease loss provision to assets | 0.8822% | 508 |
| Net operating income to assets | -0.2635% | 6,687 |
| Return on assets (ROA) | 0.2445% | 5,989 |
| Pretax return on assets | 0.3082% | 5,962 |
| Return on Equity (ROE) | 2.7235% | 5,823 |
| Retained earnings to average equity (ytd only) | 2.7235% | 4,898 |
| Net charge-offs to loans | 3.3661% | 196 |
| Credit loss provision to net charge-offs | 43.7995% | 3,382 |
| Earnings coverage of net charge-offs (x) | 0.2718% | 4,225 |
| Efficiency ratio | 85.0508% | 1,576 |
| Assets per employee ($millions) | 4.2642% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3468% | 1,597 |
| Loan loss allowance to noncurrent loans | 210.6829% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 2.0673% | 2,808 |
| Noncurrent loans to loans | 1.1139% | 4,466 |
| Net loans and leases to total assets | 57.3730% | 4,151 |
| Net loans and leases to deposits | 64.9569% | 4,494 |
| Net loans and leases to core deposits | 85.8082% | 2,312 |
| Total domestic deposits to total assets | 88.3248% | 2,114 |
| Equity capital to assets | 8.9270% | 5,597 |
| Core capital (leverage) ratio | 8.2576% | 5,944 |
| Tier 1 risk-based capital ratio | 12.1756% | 5,845 |
| Total risk-based capital ratio | 13.4359% | 5,813 |
| Memoranda: | ||
| Average total assets | $225,807,500 | 2,818 |
| Average earning assets | $198,999,500 | 2,906 |
| Average equity | $20,268,000 | 3,196 |
| Average total loans | $135,113,500 | 2,851 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 3,541 |
| Cost of funding earning assets | 0.9061% | 4,074 |
| Net interest margin | 3.9546% | 3,087 |
| Noninterest income to average assets | 0.2366% | 5,844 |
| Noninterest expense to average assets | 3.1877% | 2,908 |
| Loan and lease loss provision to assets | 1.0369% | 906 |
| Net operating income to assets | -0.2722% | 6,320 |
| Return on assets (ROA) | -0.2011% | 6,330 |
| Pretax return on assets | -0.4373% | 6,443 |
| Return on Equity (ROE) | -2.2340% | 6,354 |
| Retained earnings to average equity (ytd only) | -2.2340% | 6,179 |
| Net charge-offs to loans | 2.3559% | 523 |
| Credit loss provision to net charge-offs | 66.7342% | 4,974 |
| Earnings coverage of net charge-offs (x) | 0.3144% | 5,588 |
| Efficiency ratio | 86.7107% | 1,478 |
| Assets per employee ($millions) | 4.1781% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7319% | 1,054 |
| Loan loss allowance to noncurrent loans | 93.7344% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 3.6633% | 1,602 |
| Noncurrent loans to loans | 2.9146% | 2,241 |
| Net loans and leases to total assets | 59.2571% | 4,140 |
| Net loans and leases to deposits | 66.9228% | 4,598 |
| Net loans and leases to core deposits | 89.6841% | 2,170 |
| Total domestic deposits to total assets | 88.5455% | 1,824 |
| Equity capital to assets | 9.0247% | 5,519 |
| Core capital (leverage) ratio | 8.2596% | 5,909 |
| Tier 1 risk-based capital ratio | 11.7239% | 6,009 |
| Total risk-based capital ratio | 12.9884% | 5,988 |
| Memoranda: | ||
| Average total assets | $222,290,400 | 2,818 |
| Average earning assets | $193,345,800 | 2,932 |
| Average equity | $20,009,400 | 3,145 |
| Average total loans | $146,611,400 | 2,686 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9714% | 3,235 |
| Cost of funding earning assets | 0.9474% | 4,068 |
| Net interest margin | 4.0240% | 2,809 |
| Noninterest income to average assets | 0.2204% | 6,040 |
| Noninterest expense to average assets | 3.2360% | 2,713 |
| Loan and lease loss provision to assets | 1.0656% | 783 |
| Net operating income to assets | -0.3107% | 6,509 |
| Return on assets (ROA) | -0.2348% | 6,499 |
| Pretax return on assets | -0.4720% | 6,605 |
| Return on Equity (ROE) | -2.6102% | 6,532 |
| Retained earnings to average equity (ytd only) | -2.6102% | 6,369 |
| Net charge-offs to loans | 2.8510% | 344 |
| Credit loss provision to net charge-offs | 55.5905% | 4,903 |
| Earnings coverage of net charge-offs (x) | 0.2478% | 5,412 |
| Efficiency ratio | 87.1999% | 1,419 |
| Assets per employee ($millions) | 4.2435% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4948% | 1,405 |
| Loan loss allowance to noncurrent loans | 119.4387% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 3.5673% | 1,759 |
| Noncurrent loans to loans | 2.0887% | 3,258 |
| Net loans and leases to total assets | 60.6489% | 4,018 |
| Net loans and leases to deposits | 68.1678% | 4,575 |
| Net loans and leases to core deposits | 91.4321% | 2,061 |
| Total domestic deposits to total assets | 88.9701% | 1,443 |
| Equity capital to assets | 9.0998% | 5,640 |
| Core capital (leverage) ratio | 8.2444% | 6,067 |
| Tier 1 risk-based capital ratio | 11.5351% | 6,223 |
| Total risk-based capital ratio | 12.7967% | 6,204 |
| Memoranda: | ||
| Average total assets | $221,459,250 | 2,827 |
| Average earning assets | $192,107,750 | 2,955 |
| Average equity | $19,921,500 | 3,155 |
| Average total loans | $148,902,250 | 2,677 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 2,933 |
| Cost of funding earning assets | 0.9900% | 4,014 |
| Net interest margin | 4.0596% | 2,574 |
| Noninterest income to average assets | 0.2551% | 5,823 |
| Noninterest expense to average assets | 3.2618% | 2,695 |
| Loan and lease loss provision to assets | 0.9487% | 929 |
| Net operating income to assets | -0.2116% | 6,481 |
| Return on assets (ROA) | -0.2052% | 6,514 |
| Pretax return on assets | -0.4276% | 6,609 |
| Return on Equity (ROE) | -2.2898% | 6,542 |
| Retained earnings to average equity (ytd only) | -2.2898% | 6,292 |
| Net charge-offs to loans | 3.4693% | 261 |
| Credit loss provision to net charge-offs | 39.6584% | 4,825 |
| Earnings coverage of net charge-offs (x) | 0.2137% | 5,151 |
| Efficiency ratio | 86.4533% | 1,550 |
| Assets per employee ($millions) | 4.3536% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2363% | 1,849 |
| Loan loss allowance to noncurrent loans | 100.0906% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 3.2042% | 2,096 |
| Noncurrent loans to loans | 2.2343% | 3,181 |
| Net loans and leases to total assets | 63.9954% | 3,462 |
| Net loans and leases to deposits | 72.0309% | 4,112 |
| Net loans and leases to core deposits | 98.7075% | 1,450 |
| Total domestic deposits to total assets | 88.8444% | 1,636 |
| Equity capital to assets | 8.8839% | 5,727 |
| Core capital (leverage) ratio | 8.3902% | 5,725 |
| Tier 1 risk-based capital ratio | 11.4014% | 6,244 |
| Total risk-based capital ratio | 12.6613% | 6,227 |
| Memoranda: | ||
| Average total assets | $220,310,330 | 2,859 |
| Average earning assets | $190,906,670 | 2,982 |
| Average equity | $19,740,000 | 3,164 |
| Average total loans | $151,905,330 | 2,661 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 2,441 |
| Cost of funding earning assets | 1.0289% | 3,996 |
| Net interest margin | 4.1198% | 2,192 |
| Noninterest income to average assets | 0.3259% | 5,306 |
| Noninterest expense to average assets | 3.2218% | 2,809 |
| Loan and lease loss provision to assets | 1.0862% | 675 |
| Net operating income to assets | -0.1915% | 6,550 |
| Return on assets (ROA) | -0.1915% | 6,569 |
| Pretax return on assets | -0.4069% | 6,693 |
| Return on Equity (ROE) | -2.1274% | 6,596 |
| Retained earnings to average equity (ytd only) | -2.1274% | 6,165 |
| Net charge-offs to loans | 6.0587% | 108 |
| Credit loss provision to net charge-offs | 25.3328% | 4,193 |
| Earnings coverage of net charge-offs (x) | 0.1584% | 4,486 |
| Efficiency ratio | 82.5861% | 2,140 |
| Assets per employee ($millions) | 4.0552% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0967% | 2,194 |
| Loan loss allowance to noncurrent loans | 49.9054% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 4.8721% | 1,302 |
| Noncurrent loans to loans | 4.2013% | 1,701 |
| Net loans and leases to total assets | 67.4899% | 2,655 |
| Net loans and leases to deposits | 75.8030% | 3,451 |
| Net loans and leases to core deposits | 105.0436% | 997 |
| Total domestic deposits to total assets | 89.0333% | 1,752 |
| Equity capital to assets | 8.9446% | 5,292 |
| Core capital (leverage) ratio | 8.4637% | 5,523 |
| Tier 1 risk-based capital ratio | 11.1705% | 6,377 |
| Total risk-based capital ratio | 12.4291% | 6,341 |
| Memoranda: | ||
| Average total assets | $217,271,500 | 2,908 |
| Average earning assets | $188,552,000 | 3,032 |
| Average equity | $19,554,000 | 3,177 |
| Average total loans | $153,762,000 | 2,651 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 3,509 |
| Cost of funding earning assets | 1.3327% | 3,672 |
| Net interest margin | 3.8876% | 3,550 |
| Noninterest income to average assets | 0.0451% | 7,130 |
| Noninterest expense to average assets | 2.7875% | 4,650 |
| Loan and lease loss provision to assets | 2.3071% | 520 |
| Net operating income to assets | -0.9662% | 6,659 |
| Return on assets (ROA) | -0.9318% | 6,676 |
| Pretax return on assets | -1.5737% | 6,883 |
| Return on Equity (ROE) | -10.8209% | 6,763 |
| Retained earnings to average equity (ytd only) | -10.8209% | 6,704 |
| Net charge-offs to loans | 1.8402% | 1,134 |
| Credit loss provision to net charge-offs | 175.3995% | 1,907 |
| Earnings coverage of net charge-offs (x) | 0.5166% | 5,601 |
| Efficiency ratio | 80.3991% | 2,365 |
| Assets per employee ($millions) | 3.9193% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1322% | 777 |
| Loan loss allowance to noncurrent loans | 155.1408% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 3.4385% | 2,030 |
| Noncurrent loans to loans | 2.0189% | 3,537 |
| Net loans and leases to total assets | 70.3579% | 2,449 |
| Net loans and leases to deposits | 78.9807% | 3,341 |
| Net loans and leases to core deposits | 112.6858% | 785 |
| Total domestic deposits to total assets | 89.0825% | 1,606 |
| Equity capital to assets | 9.0559% | 5,067 |
| Core capital (leverage) ratio | 8.3519% | 5,608 |
| Tier 1 risk-based capital ratio | 10.9204% | 6,391 |
| Total risk-based capital ratio | 12.1906% | 6,345 |
| Memoranda: | ||
| Average total assets | $228,380,000 | 2,776 |
| Average earning assets | $201,021,200 | 2,863 |
| Average equity | $19,665,600 | 3,193 |
| Average total loans | $163,239,600 | 2,571 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 3,837 |
| Cost of funding earning assets | 1.3899% | 3,634 |
| Net interest margin | 3.8086% | 3,939 |
| Noninterest income to average assets | 0.0593% | 7,231 |
| Noninterest expense to average assets | 2.7940% | 4,513 |
| Loan and lease loss provision to assets | 2.1555% | 524 |
| Net operating income to assets | -0.9566% | 6,879 |
| Return on assets (ROA) | -0.9263% | 6,902 |
| Pretax return on assets | -1.4796% | 7,037 |
| Return on Equity (ROE) | -10.8888% | 6,964 |
| Retained earnings to average equity (ytd only) | -10.8888% | 6,920 |
| Net charge-offs to loans | 1.9623% | 972 |
| Credit loss provision to net charge-offs | 154.2645% | 2,495 |
| Earnings coverage of net charge-offs (x) | 0.4499% | 5,573 |
| Efficiency ratio | 81.6316% | 2,103 |
| Assets per employee ($millions) | 4.0862% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4997% | 1,324 |
| Loan loss allowance to noncurrent loans | 72.6306% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 4.3408% | 1,565 |
| Noncurrent loans to loans | 3.4416% | 2,316 |
| Net loans and leases to total assets | 67.5354% | 3,323 |
| Net loans and leases to deposits | 75.9339% | 4,191 |
| Net loans and leases to core deposits | 107.9348% | 1,166 |
| Total domestic deposits to total assets | 88.9397% | 1,419 |
| Equity capital to assets | 8.7196% | 5,979 |
| Core capital (leverage) ratio | 8.4456% | 5,614 |
| Tier 1 risk-based capital ratio | 11.1213% | 6,260 |
| Total risk-based capital ratio | 12.3832% | 6,248 |
| Memoranda: | ||
| Average total assets | $231,584,500 | 2,763 |
| Average earning assets | $204,512,500 | 2,864 |
| Average equity | $19,701,750 | 3,229 |
| Average total loans | $164,907,250 | 2,589 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 4,106 |
| Cost of funding earning assets | 1.4545% | 3,534 |
| Net interest margin | 3.7128% | 4,303 |
| Noninterest income to average assets | 0.0688% | 7,235 |
| Noninterest expense to average assets | 2.8714% | 4,179 |
| Loan and lease loss provision to assets | 1.6989% | 741 |
| Net operating income to assets | -0.7178% | 6,815 |
| Return on assets (ROA) | -0.6727% | 6,808 |
| Pretax return on assets | -1.1372% | 6,948 |
| Return on Equity (ROE) | -7.9723% | 6,888 |
| Retained earnings to average equity (ytd only) | -7.9723% | 6,814 |
| Net charge-offs to loans | 1.9360% | 944 |
| Credit loss provision to net charge-offs | 122.1398% | 3,314 |
| Earnings coverage of net charge-offs (x) | 0.3531% | 5,375 |
| Efficiency ratio | 85.3927% | 1,779 |
| Assets per employee ($millions) | 4.0323% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,679 |
| Loan loss allowance to noncurrent loans | 51.8781% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 3.3181% | 2,126 |
| Noncurrent loans to loans | 3.4977% | 2,264 |
| Net loans and leases to total assets | 69.3409% | 3,051 |
| Net loans and leases to deposits | 77.7394% | 4,035 |
| Net loans and leases to core deposits | 110.2598% | 1,150 |
| Total domestic deposits to total assets | 89.1967% | 1,326 |
| Equity capital to assets | 8.4059% | 6,294 |
| Core capital (leverage) ratio | 8.4927% | 5,420 |
| Tier 1 risk-based capital ratio | 10.7741% | 6,466 |
| Total risk-based capital ratio | 12.0293% | 6,450 |
| Memoranda: | ||
| Average total assets | $232,503,330 | 2,774 |
| Average earning assets | $206,260,330 | 2,853 |
| Average equity | $19,618,000 | 3,230 |
| Average total loans | $167,042,330 | 2,599 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2214% | 3,913 |
| Cost of funding earning assets | 1.5386% | 3,338 |
| Net interest margin | 3.6828% | 4,337 |
| Noninterest income to average assets | 0.2140% | 6,434 |
| Noninterest expense to average assets | 2.8522% | 4,267 |
| Loan and lease loss provision to assets | 0.6212% | 2,042 |
| Net operating income to assets | 0.0259% | 6,226 |
| Return on assets (ROA) | 0.0259% | 6,341 |
| Pretax return on assets | 0.0035% | 6,347 |
| Return on Equity (ROE) | 0.3062% | 6,326 |
| Retained earnings to average equity (ytd only) | 0.3062% | 5,707 |
| Net charge-offs to loans | -0.0286% | 7,175 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0347% | 2,267 |
| Assets per employee ($millions) | 4.0727% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7964% | 2,745 |
| Loan loss allowance to noncurrent loans | 58.3753% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 3.1018% | 2,303 |
| Noncurrent loans to loans | 3.0774% | 2,603 |
| Net loans and leases to total assets | 69.6816% | 3,014 |
| Net loans and leases to deposits | 78.2415% | 3,996 |
| Net loans and leases to core deposits | 107.0437% | 1,492 |
| Total domestic deposits to total assets | 89.0596% | 1,487 |
| Equity capital to assets | 8.2983% | 6,301 |
| Core capital (leverage) ratio | 8.5015% | 5,371 |
| Tier 1 risk-based capital ratio | 10.5445% | 6,593 |
| Total risk-based capital ratio | 11.7996% | 6,575 |
| Memoranda: | ||
| Average total assets | $231,819,000 | 2,858 |
| Average earning assets | $205,384,500 | 2,925 |
| Average equity | $19,597,500 | 3,252 |
| Average total loans | $167,980,500 | 2,643 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7408% | 2,908 |
| Cost of funding earning assets | 1.7479% | 4,260 |
| Net interest margin | 3.9930% | 2,892 |
| Noninterest income to average assets | 0.3456% | 5,619 |
| Noninterest expense to average assets | 3.1253% | 3,632 |
| Loan and lease loss provision to assets | 0.6560% | 3,188 |
| Net operating income to assets | 0.1022% | 5,209 |
| Return on assets (ROA) | 0.1240% | 5,191 |
| Pretax return on assets | 0.1531% | 5,105 |
| Return on Equity (ROE) | 1.4974% | 5,092 |
| Retained earnings to average equity (ytd only) | -1.0995% | 5,283 |
| Net charge-offs to loans | 0.4648% | 3,920 |
| Credit loss provision to net charge-offs | 195.4780% | 2,025 |
| Earnings coverage of net charge-offs (x) | 2.3307% | 3,980 |
| Efficiency ratio | 79.9822% | 2,894 |
| Assets per employee ($millions) | 3.9899% | 3,833 |
| Cash dividends to net income (ytd only)* | 173.4266% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 3,408 |
| Loan loss allowance to noncurrent loans | 166.9197% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.6793% | 3,850 |
| Noncurrent loans to loans | 0.9391% | 5,436 |
| Net loans and leases to total assets | 72.8654% | 2,540 |
| Net loans and leases to deposits | 81.7540% | 3,653 |
| Net loans and leases to core deposits | 122.8042% | 1,728 |
| Total domestic deposits to total assets | 89.1277% | 1,421 |
| Equity capital to assets | 8.6153% | 5,710 |
| Core capital (leverage) ratio | 8.3888% | 5,457 |
| Tier 1 risk-based capital ratio | 10.4559% | 6,445 |
| Total risk-based capital ratio | 11.7084% | 6,409 |
| Memoranda: | ||
| Average total assets | $230,633,000 | 2,817 |
| Average earning assets | $205,736,800 | 2,895 |
| Average equity | $19,100,400 | 3,329 |
| Average total loans | $166,538,600 | 2,670 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7931% | 2,926 |
| Cost of funding earning assets | 1.7439% | 4,675 |
| Net interest margin | 4.0493% | 2,601 |
| Noninterest income to average assets | 0.3376% | 5,790 |
| Noninterest expense to average assets | 3.0787% | 3,728 |
| Loan and lease loss provision to assets | 0.8008% | 2,360 |
| Net operating income to assets | 0.0899% | 5,497 |
| Return on assets (ROA) | 0.0899% | 5,549 |
| Pretax return on assets | 0.0847% | 5,556 |
| Return on Equity (ROE) | 1.0960% | 5,464 |
| Retained earnings to average equity (ytd only) | -2.3888% | 5,795 |
| Net charge-offs to loans | 0.4568% | 3,403 |
| Credit loss provision to net charge-offs | 244.2882% | 1,778 |
| Earnings coverage of net charge-offs (x) | 2.7012% | 3,876 |
| Efficiency ratio | 77.6631% | 3,213 |
| Assets per employee ($millions) | 3.7369% | 4,343 |
| Cash dividends to net income (ytd only)* | 317.9576% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 2,796 |
| Loan loss allowance to noncurrent loans | 3,580.2632% | 107 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 5,011 |
| Noncurrent loans to loans | 0.0462% | 7,393 |
| Net loans and leases to total assets | 72.2213% | 2,978 |
| Net loans and leases to deposits | 81.1550% | 4,175 |
| Net loans and leases to core deposits | 122.5599% | 2,026 |
| Total domestic deposits to total assets | 88.9918% | 1,202 |
| Equity capital to assets | 8.6975% | 5,954 |
| Core capital (leverage) ratio | 8.7760% | 5,011 |
| Tier 1 risk-based capital ratio | 10.4607% | 6,515 |
| Total risk-based capital ratio | 11.7140% | 6,463 |
| Memoranda: | ||
| Average total assets | $231,435,750 | 2,827 |
| Average earning assets | $207,275,500 | 2,892 |
| Average equity | $18,977,250 | 3,373 |
| Average total loans | $166,085,500 | 2,696 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8285% | 2,908 |
| Cost of funding earning assets | 1.7717% | 4,902 |
| Net interest margin | 4.0569% | 2,481 |
| Noninterest income to average assets | 0.3310% | 5,862 |
| Noninterest expense to average assets | 3.2158% | 3,289 |
| Loan and lease loss provision to assets | 0.4063% | 3,490 |
| Net operating income to assets | 0.2600% | 5,051 |
| Return on assets (ROA) | 0.2600% | 5,145 |
| Pretax return on assets | 0.3575% | 5,052 |
| Return on Equity (ROE) | 3.2336% | 4,806 |
| Retained earnings to average equity (ytd only) | -2.0423% | 5,757 |
| Net charge-offs to loans | 0.1489% | 4,702 |
| Credit loss provision to net charge-offs | 383.0645% | 1,211 |
| Earnings coverage of net charge-offs (x) | 7.2016% | 2,479 |
| Efficiency ratio | 80.8081% | 2,917 |
| Assets per employee ($millions) | 3.5801% | 4,623 |
| Cash dividends to net income (ytd only)* | 163.1579% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,024 |
| Loan loss allowance to noncurrent loans | 200.4452% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 4,501 |
| Noncurrent loans to loans | 0.6694% | 5,910 |
| Net loans and leases to total assets | 73.3776% | 2,865 |
| Net loans and leases to deposits | 82.7720% | 4,090 |
| Net loans and leases to core deposits | 115.2980% | 2,781 |
| Total domestic deposits to total assets | 88.6503% | 1,459 |
| Equity capital to assets | 8.6363% | 5,841 |
| Core capital (leverage) ratio | 8.6598% | 5,167 |
| Tier 1 risk-based capital ratio | 10.1222% | 6,806 |
| Total risk-based capital ratio | 11.3222% | 6,780 |
| Memoranda: | ||
| Average total assets | $233,842,670 | 2,818 |
| Average earning assets | $210,310,670 | 2,866 |
| Average equity | $18,802,670 | 3,424 |
| Average total loans | $166,563,330 | 2,720 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7223% | 3,687 |
| Cost of funding earning assets | 1.8462% | 4,896 |
| Net interest margin | 3.8762% | 3,154 |
| Noninterest income to average assets | 0.3261% | 5,847 |
| Noninterest expense to average assets | 3.2220% | 2,889 |
| Loan and lease loss provision to assets | 0.3530% | 3,199 |
| Net operating income to assets | 0.1983% | 5,665 |
| Return on assets (ROA) | 0.1983% | 5,834 |
| Pretax return on assets | 0.2588% | 5,787 |
| Return on Equity (ROE) | 2.5563% | 5,548 |
| Retained earnings to average equity (ytd only) | -8.1887% | 6,933 |
| Net charge-offs to loans | 0.0651% | 4,557 |
| Credit loss provision to net charge-offs | 777.7778% | 769 |
| Earnings coverage of net charge-offs (x) | 13.4815% | 1,734 |
| Efficiency ratio | 84.0421% | 2,303 |
| Assets per employee ($millions) | 3.7893% | 4,118 |
| Cash dividends to net income (ytd only)* | 420.3390% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 4,469 |
| Loan loss allowance to noncurrent loans | 65.4826% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.7690% | 3,270 |
| Noncurrent loans to loans | 1.9042% | 3,406 |
| Net loans and leases to total assets | 69.1018% | 3,890 |
| Net loans and leases to deposits | 77.2248% | 5,053 |
| Net loans and leases to core deposits | 102.1923% | 4,324 |
| Total domestic deposits to total assets | 89.4814% | 1,020 |
| Equity capital to assets | 8.0786% | 6,701 |
| Core capital (leverage) ratio | 8.1964% | 6,113 |
| Tier 1 risk-based capital ratio | 10.0969% | 6,810 |
| Total risk-based capital ratio | 11.2177% | 6,864 |
| Memoranda: | ||
| Average total assets | $237,990,500 | 2,789 |
| Average earning assets | $215,366,500 | 2,819 |
| Average equity | $18,464,500 | 3,488 |
| Average total loans | $165,969,000 | 2,753 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5995% | 2,498 |
| Cost of funding earning assets | 2.5353% | 4,023 |
| Net interest margin | 4.0642% | 2,852 |
| Noninterest income to average assets | 0.3569% | 5,869 |
| Noninterest expense to average assets | 3.1694% | 3,449 |
| Loan and lease loss provision to assets | 0.2880% | 4,075 |
| Net operating income to assets | 0.3533% | 5,340 |
| Return on assets (ROA) | 0.4639% | 4,711 |
| Pretax return on assets | 0.7034% | 4,390 |
| Return on Equity (ROE) | 6.2885% | 3,830 |
| Retained earnings to average equity (ytd only) | 3.9457% | 2,670 |
| Net charge-offs to loans | 0.2278% | 3,961 |
| Credit loss provision to net charge-offs | 193.8776% | 2,526 |
| Earnings coverage of net charge-offs (x) | 5.5452% | 3,612 |
| Efficiency ratio | 79.3687% | 2,691 |
| Assets per employee ($millions) | 3.4890% | 4,702 |
| Cash dividends to net income (ytd only)* | 37.2549% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 4,904 |
| Loan loss allowance to noncurrent loans | 28.3540% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 3.2636% | 1,392 |
| Noncurrent loans to loans | 4.0639% | 1,207 |
| Net loans and leases to total assets | 68.6987% | 4,321 |
| Net loans and leases to deposits | 76.4166% | 5,545 |
| Net loans and leases to core deposits | 103.1256% | 4,493 |
| Total domestic deposits to total assets | 89.9002% | 688 |
| Equity capital to assets | 7.4364% | 7,440 |
| Core capital (leverage) ratio | 7.6228% | 7,048 |
| Tier 1 risk-based capital ratio | 9.3295% | 7,488 |
| Total risk-based capital ratio | 10.3693% | 7,660 |
| Memoranda: | ||
| Average total assets | $230,865,400 | 2,754 |
| Average earning assets | $206,559,600 | 2,810 |
| Average equity | $17,031,200 | 3,734 |
| Average total loans | $150,580,200 | 2,920 |