Home > Citizens Commerce Bank > Performance and Condition Ratios
Citizens Commerce Bank, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 2,054 |
| Cost of funding earning assets | 0.3605% | 2,398 |
| Net interest margin | 3.5126% | 1,890 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.4809% | 2,181 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0091% | 2,534 |
| Return on assets (ROA) | 1.0091% | 2,487 |
| Pretax return on assets | 1.3359% | 1,973 |
| Return on Equity (ROE) | 10.3200% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.2274% | 2,135 |
| Net charge-offs to loans | -0.0762% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.4111% | 2,448 |
| Assets per employee ($millions) | 5.5101% | 3,207 |
| Cash dividends to net income (ytd only)* | 29.9374% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,443 |
| Loan loss allowance to noncurrent loans | 156.3054% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 828 |
| Noncurrent loans to loans | 0.7608% | 987 |
| Net loans and leases to total assets | 78.4400% | 757 |
| Net loans and leases to deposits | 87.2181% | 1,231 |
| Net loans and leases to core deposits | 94.1990% | 1,285 |
| Total domestic deposits to total assets | 89.9400% | 1,388 |
| Equity capital to assets | 9.5420% | 1,973 |
| Core capital (leverage) ratio | 10.4812% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $332,665,200 | 2,288 |
| Average earning assets | $318,201,800 | 2,246 |
| Average equity | $32,542,600 | 2,217 |
| Average total loans | $251,835,400 | 1,933 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6951% | 2,062 |
| Cost of funding earning assets | 0.2887% | 2,289 |
| Net interest margin | 3.4064% | 1,954 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.4773% | 2,078 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9399% | 2,709 |
| Return on assets (ROA) | 0.9399% | 2,675 |
| Pretax return on assets | 1.2429% | 2,225 |
| Return on Equity (ROE) | 9.5500% | 2,858 |
| Retained earnings to average equity (ytd only) | 6.5685% | 2,533 |
| Net charge-offs to loans | -0.0994% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.7670% | 2,310 |
| Assets per employee ($millions) | 5.5288% | 3,185 |
| Cash dividends to net income (ytd only)* | 31.2099% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,485 |
| Loan loss allowance to noncurrent loans | 724.4851% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 2,743 |
| Noncurrent loans to loans | 0.1667% | 2,759 |
| Net loans and leases to total assets | 73.2100% | 1,161 |
| Net loans and leases to deposits | 81.2508% | 1,500 |
| Net loans and leases to core deposits | 88.0448% | 1,408 |
| Total domestic deposits to total assets | 90.1000% | 1,612 |
| Equity capital to assets | 9.3069% | 2,007 |
| Core capital (leverage) ratio | 10.3390% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $331,802,750 | 2,310 |
| Average earning assets | $317,273,500 | 2,266 |
| Average equity | $32,660,250 | 2,244 |
| Average total loans | $248,085,500 | 1,950 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 1,780 |
| Cost of funding earning assets | 0.2266% | 2,560 |
| Net interest margin | 3.3928% | 1,624 |
| Noninterest income to average assets | 0.5394% | 1,998 |
| Noninterest expense to average assets | 2.5082% | 1,902 |
| Loan and lease loss provision to assets | 0.0598% | 1,521 |
| Net operating income to assets | 0.9160% | 2,516 |
| Return on assets (ROA) | 0.9160% | 2,480 |
| Pretax return on assets | 1.2113% | 2,040 |
| Return on Equity (ROE) | 9.1251% | 2,659 |
| Retained earnings to average equity (ytd only) | 6.3003% | 2,236 |
| Net charge-offs to loans | -0.1479% | 4,529 |
| Credit loss provision to net charge-offs | -53.8889% | 3,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3676% | 2,460 |
| Assets per employee ($millions) | 5.1678% | 3,537 |
| Cash dividends to net income (ytd only)* | 30.9556% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,526 |
| Loan loss allowance to noncurrent loans | 642.5358% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 2,703 |
| Noncurrent loans to loans | 0.1915% | 2,747 |
| Net loans and leases to total assets | 75.0688% | 815 |
| Net loans and leases to deposits | 85.9693% | 974 |
| Net loans and leases to core deposits | 93.2458% | 955 |
| Total domestic deposits to total assets | 87.3205% | 2,819 |
| Equity capital to assets | 9.7043% | 1,880 |
| Core capital (leverage) ratio | 10.5757% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,455,667 | 2,363 |
| Average earning assets | $309,832,333 | 2,327 |
| Average equity | $32,569,667 | 2,293 |
| Average total loans | $243,376,000 | 1,977 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 1,579 |
| Cost of funding earning assets | 0.2282% | 2,425 |
| Net interest margin | 3.3451% | 1,455 |
| Noninterest income to average assets | 0.5806% | 1,779 |
| Noninterest expense to average assets | 2.5448% | 1,771 |
| Loan and lease loss provision to assets | 0.0741% | 1,115 |
| Net operating income to assets | 0.8696% | 2,419 |
| Return on assets (ROA) | 0.8696% | 2,407 |
| Pretax return on assets | 1.1486% | 1,987 |
| Return on Equity (ROE) | 8.6180% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.7536% | 2,332 |
| Net charge-offs to loans | -0.0152% | 3,773 |
| Credit loss provision to net charge-offs | -655.5556% | 3,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5450% | 2,561 |
| Assets per employee ($millions) | 5.0427% | 3,715 |
| Cash dividends to net income (ytd only)* | 33.2370% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,688 |
| Loan loss allowance to noncurrent loans | 1,511.8557% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 2,562 |
| Noncurrent loans to loans | 0.0815% | 3,432 |
| Net loans and leases to total assets | 72.8432% | 758 |
| Net loans and leases to deposits | 82.3098% | 990 |
| Net loans and leases to core deposits | 88.8281% | 979 |
| Total domestic deposits to total assets | 88.4989% | 2,296 |
| Equity capital to assets | 9.7006% | 2,131 |
| Core capital (leverage) ratio | 10.5480% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,294,500 | 2,408 |
| Average earning assets | $303,245,500 | 2,373 |
| Average equity | $32,119,000 | 2,382 |
| Average total loans | $237,413,500 | 2,004 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 532 |
| Cost of funding earning assets | 0.2927% | 2,473 |
| Net interest margin | 4.2768% | 429 |
| Noninterest income to average assets | 0.6750% | 1,852 |
| Noninterest expense to average assets | 2.7078% | 1,615 |
| Loan and lease loss provision to assets | 0.0582% | 1,894 |
| Net operating income to assets | 1.4654% | 1,092 |
| Return on assets (ROA) | 1.4782% | 1,118 |
| Pretax return on assets | 1.9914% | 611 |
| Return on Equity (ROE) | 14.4887% | 1,067 |
| Retained earnings to average equity (ytd only) | 12.5698% | 459 |
| Net charge-offs to loans | -0.0326% | 4,157 |
| Credit loss provision to net charge-offs | -243.2432% | 3,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1117% | 3,566 |
| Assets per employee ($millions) | 4.5486% | 4,082 |
| Cash dividends to net income (ytd only)* | 13.2443% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,838 |
| Loan loss allowance to noncurrent loans | 643.8202% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 2,011 |
| Noncurrent loans to loans | 0.1879% | 3,008 |
| Net loans and leases to total assets | 74.5374% | 622 |
| Net loans and leases to deposits | 84.7910% | 862 |
| Net loans and leases to core deposits | 91.9344% | 883 |
| Total domestic deposits to total assets | 87.9072% | 2,097 |
| Equity capital to assets | 10.4924% | 2,182 |
| Core capital (leverage) ratio | 10.6339% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,030,800 | 2,397 |
| Average earning assets | $293,818,000 | 2,362 |
| Average equity | $31,528,000 | 2,442 |
| Average total loans | $227,320,600 | 2,061 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8577% | 373 |
| Cost of funding earning assets | 0.3069% | 2,529 |
| Net interest margin | 4.5508% | 287 |
| Noninterest income to average assets | 0.6986% | 1,823 |
| Noninterest expense to average assets | 2.7171% | 1,545 |
| Loan and lease loss provision to assets | 0.0585% | 1,821 |
| Net operating income to assets | 1.6808% | 863 |
| Return on assets (ROA) | 1.6814% | 908 |
| Pretax return on assets | 2.2467% | 502 |
| Return on Equity (ROE) | 16.6014% | 831 |
| Retained earnings to average equity (ytd only) | 14.9764% | 398 |
| Net charge-offs to loans | -0.0302% | 4,135 |
| Credit loss provision to net charge-offs | -264.7059% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1102% | 3,797 |
| Assets per employee ($millions) | 4.9047% | 3,791 |
| Cash dividends to net income (ytd only)* | 9.7888% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,935 |
| Loan loss allowance to noncurrent loans | 307.0252% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 1,821 |
| Noncurrent loans to loans | 0.3949% | 2,380 |
| Net loans and leases to total assets | 72.5921% | 817 |
| Net loans and leases to deposits | 82.9620% | 1,031 |
| Net loans and leases to core deposits | 91.0506% | 978 |
| Total domestic deposits to total assets | 87.5004% | 2,108 |
| Equity capital to assets | 10.5270% | 2,438 |
| Core capital (leverage) ratio | 10.5397% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,824,500 | 2,426 |
| Average earning assets | $292,394,750 | 2,393 |
| Average equity | $31,177,250 | 2,488 |
| Average total loans | $224,949,500 | 2,109 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 285 |
| Cost of funding earning assets | 0.3218% | 2,570 |
| Net interest margin | 4.8051% | 221 |
| Noninterest income to average assets | 0.7037% | 1,793 |
| Noninterest expense to average assets | 2.7142% | 1,557 |
| Loan and lease loss provision to assets | 0.0589% | 1,856 |
| Net operating income to assets | 1.8646% | 629 |
| Return on assets (ROA) | 1.8620% | 661 |
| Pretax return on assets | 2.4879% | 363 |
| Return on Equity (ROE) | 18.6352% | 582 |
| Retained earnings to average equity (ytd only) | 17.3916% | 254 |
| Net charge-offs to loans | 0.0036% | 2,038 |
| Credit loss provision to net charge-offs | 2,250.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 974.7500% | 130 |
| Efficiency ratio | 51.5592% | 4,088 |
| Assets per employee ($millions) | 4.4595% | 4,128 |
| Cash dividends to net income (ytd only)* | 6.6737% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,836 |
| Loan loss allowance to noncurrent loans | 358.6436% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 2,091 |
| Noncurrent loans to loans | 0.3393% | 2,693 |
| Net loans and leases to total assets | 71.1517% | 1,060 |
| Net loans and leases to deposits | 81.2419% | 1,300 |
| Net loans and leases to core deposits | 89.5185% | 1,170 |
| Total domestic deposits to total assets | 87.5800% | 2,052 |
| Equity capital to assets | 10.4421% | 2,447 |
| Core capital (leverage) ratio | 10.2455% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,799,667 | 2,427 |
| Average earning assets | $290,231,000 | 2,403 |
| Average equity | $30,555,000 | 2,508 |
| Average total loans | $223,045,000 | 2,133 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 2,146 |
| Cost of funding earning assets | 0.3420% | 2,597 |
| Net interest margin | 3.4408% | 1,989 |
| Noninterest income to average assets | 0.7112% | 1,843 |
| Noninterest expense to average assets | 2.6886% | 1,645 |
| Loan and lease loss provision to assets | 0.0590% | 1,946 |
| Net operating income to assets | 0.9135% | 3,097 |
| Return on assets (ROA) | 0.9146% | 3,165 |
| Pretax return on assets | 1.2255% | 2,771 |
| Return on Equity (ROE) | 9.3661% | 2,903 |
| Retained earnings to average equity (ytd only) | 9.3661% | 1,837 |
| Net charge-offs to loans | -0.0072% | 3,528 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6908% | 1,976 |
| Assets per employee ($millions) | 4.7780% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,172 |
| Loan loss allowance to noncurrent loans | 325.9804% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 2,164 |
| Noncurrent loans to loans | 0.3542% | 2,811 |
| Net loans and leases to total assets | 73.3245% | 872 |
| Net loans and leases to deposits | 82.7248% | 1,274 |
| Net loans and leases to core deposits | 90.7028% | 1,185 |
| Total domestic deposits to total assets | 88.6367% | 1,541 |
| Equity capital to assets | 9.5009% | 3,205 |
| Core capital (leverage) ratio | 9.5547% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,846,500 | 2,417 |
| Average earning assets | $288,890,500 | 2,391 |
| Average equity | $29,767,000 | 2,562 |
| Average total loans | $223,750,000 | 2,128 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 1,979 |
| Cost of funding earning assets | 0.5938% | 2,361 |
| Net interest margin | 3.6664% | 1,923 |
| Noninterest income to average assets | 0.6938% | 1,886 |
| Noninterest expense to average assets | 2.8204% | 1,892 |
| Loan and lease loss provision to assets | 0.1883% | 2,069 |
| Net operating income to assets | 0.9101% | 2,649 |
| Return on assets (ROA) | 0.9163% | 2,755 |
| Pretax return on assets | 1.1508% | 2,514 |
| Return on Equity (ROE) | 9.0512% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.0698% | 2,246 |
| Net charge-offs to loans | -0.0437% | 4,642 |
| Credit loss provision to net charge-offs | -568.0851% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9328% | 2,245 |
| Assets per employee ($millions) | 4.4645% | 3,956 |
| Cash dividends to net income (ytd only)* | 43.9877% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,928 |
| Loan loss allowance to noncurrent loans | 433.7209% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 2,558 |
| Noncurrent loans to loans | 0.2773% | 3,198 |
| Net loans and leases to total assets | 71.7113% | 1,326 |
| Net loans and leases to deposits | 80.8157% | 1,784 |
| Net loans and leases to core deposits | 89.4397% | 1,573 |
| Total domestic deposits to total assets | 88.7344% | 1,101 |
| Equity capital to assets | 10.0243% | 3,115 |
| Core capital (leverage) ratio | 9.6901% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,070,400 | 2,378 |
| Average earning assets | $267,918,200 | 2,351 |
| Average equity | $28,758,600 | 2,547 |
| Average total loans | $215,141,400 | 2,135 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 2,512 |
| Cost of funding earning assets | 0.6501% | 2,321 |
| Net interest margin | 3.5033% | 2,581 |
| Noninterest income to average assets | 0.6264% | 2,080 |
| Noninterest expense to average assets | 2.8092% | 1,944 |
| Loan and lease loss provision to assets | 0.0999% | 3,074 |
| Net operating income to assets | 0.8126% | 3,044 |
| Return on assets (ROA) | 0.8210% | 3,137 |
| Pretax return on assets | 1.0293% | 2,966 |
| Return on Equity (ROE) | 8.0883% | 2,778 |
| Retained earnings to average equity (ytd only) | 2.7226% | 3,638 |
| Net charge-offs to loans | 0.0037% | 3,031 |
| Credit loss provision to net charge-offs | 3,500.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 392.0000% | 291 |
| Efficiency ratio | 71.5185% | 1,696 |
| Assets per employee ($millions) | 4.5697% | 3,757 |
| Cash dividends to net income (ytd only)* | 66.3384% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 3,925 |
| Loan loss allowance to noncurrent loans | 324.4807% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 2,572 |
| Noncurrent loans to loans | 0.2900% | 3,235 |
| Net loans and leases to total assets | 78.7090% | 748 |
| Net loans and leases to deposits | 91.8549% | 1,084 |
| Net loans and leases to core deposits | 103.0163% | 980 |
| Total domestic deposits to total assets | 85.6883% | 2,183 |
| Equity capital to assets | 9.9329% | 3,286 |
| Core capital (leverage) ratio | 9.3052% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,307,250 | 2,376 |
| Average earning assets | $264,162,750 | 2,353 |
| Average equity | $28,452,000 | 2,561 |
| Average total loans | $214,647,750 | 2,140 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 2,807 |
| Cost of funding earning assets | 0.7082% | 2,337 |
| Net interest margin | 3.4779% | 2,864 |
| Noninterest income to average assets | 0.5951% | 2,147 |
| Noninterest expense to average assets | 2.8206% | 2,048 |
| Loan and lease loss provision to assets | 0.0724% | 3,397 |
| Net operating income to assets | 0.7794% | 3,113 |
| Return on assets (ROA) | 0.7927% | 3,181 |
| Pretax return on assets | 0.9933% | 3,054 |
| Return on Equity (ROE) | 7.7515% | 2,844 |
| Retained earnings to average equity (ytd only) | -0.3539% | 4,374 |
| Net charge-offs to loans | -0.0259% | 4,491 |
| Credit loss provision to net charge-offs | -370.3704% | 3,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8906% | 1,581 |
| Assets per employee ($millions) | 4.6627% | 3,578 |
| Cash dividends to net income (ytd only)* | 104.5662% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 3,907 |
| Loan loss allowance to noncurrent loans | 553.8058% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 3,109 |
| Noncurrent loans to loans | 0.1668% | 3,786 |
| Net loans and leases to total assets | 77.0342% | 994 |
| Net loans and leases to deposits | 90.3371% | 1,321 |
| Net loans and leases to core deposits | 101.2275% | 1,173 |
| Total domestic deposits to total assets | 85.2742% | 2,274 |
| Equity capital to assets | 9.6562% | 3,517 |
| Core capital (leverage) ratio | 9.1413% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,256,000 | 2,370 |
| Average earning assets | $260,097,000 | 2,359 |
| Average equity | $28,252,667 | 2,571 |
| Average total loans | $208,737,000 | 2,159 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 2,901 |
| Cost of funding earning assets | 0.7997% | 2,397 |
| Net interest margin | 3.5077% | 2,952 |
| Noninterest income to average assets | 0.6280% | 1,911 |
| Noninterest expense to average assets | 2.9128% | 2,087 |
| Loan and lease loss provision to assets | 0.0374% | 3,302 |
| Net operating income to assets | 0.7749% | 3,000 |
| Return on assets (ROA) | 0.7701% | 3,091 |
| Pretax return on assets | 0.9645% | 2,949 |
| Return on Equity (ROE) | 7.3059% | 2,828 |
| Retained earnings to average equity (ytd only) | 7.3059% | 1,443 |
| Net charge-offs to loans | -0.0463% | 4,611 |
| Credit loss provision to net charge-offs | -108.6957% | 3,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2944% | 1,773 |
| Assets per employee ($millions) | 4.2085% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,721 |
| Loan loss allowance to noncurrent loans | 1,238.4146% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 3,472 |
| Noncurrent loans to loans | 0.0807% | 4,188 |
| Net loans and leases to total assets | 74.6929% | 1,507 |
| Net loans and leases to deposits | 87.7798% | 1,771 |
| Net loans and leases to core deposits | 99.4429% | 1,517 |
| Total domestic deposits to total assets | 85.0911% | 2,380 |
| Equity capital to assets | 10.6938% | 3,145 |
| Core capital (leverage) ratio | 10.1511% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,509,000 | 2,382 |
| Average earning assets | $251,103,000 | 2,363 |
| Average equity | $28,196,500 | 2,562 |
| Average total loans | $198,906,500 | 2,195 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 3,230 |
| Cost of funding earning assets | 1.0010% | 1,716 |
| Net interest margin | 3.4055% | 3,732 |
| Noninterest income to average assets | 0.6364% | 2,064 |
| Noninterest expense to average assets | 2.9676% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6814% | 3,923 |
| Return on assets (ROA) | 0.6911% | 3,959 |
| Pretax return on assets | 0.8633% | 3,843 |
| Return on Equity (ROE) | 6.6953% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.6953% | 1,526 |
| Net charge-offs to loans | -0.0011% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7078% | 1,181 |
| Assets per employee ($millions) | 4.1512% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 3,390 |
| Loan loss allowance to noncurrent loans | 1,016.9231% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 3,384 |
| Noncurrent loans to loans | 0.1002% | 4,124 |
| Net loans and leases to total assets | 72.5017% | 2,010 |
| Net loans and leases to deposits | 82.9829% | 2,442 |
| Net loans and leases to core deposits | 94.0614% | 2,056 |
| Total domestic deposits to total assets | 87.3695% | 1,423 |
| Equity capital to assets | 10.3849% | 3,557 |
| Core capital (leverage) ratio | 9.8436% | 3,682 |
| Tier 1 risk-based capital ratio | 13.5149% | 3,517 |
| Total risk-based capital ratio | 14.5481% | 3,514 |
| Memoranda: | ||
| Average total assets | $257,719,400 | 2,410 |
| Average earning assets | $240,849,000 | 2,404 |
| Average equity | $26,600,800 | 2,586 |
| Average total loans | $186,582,600 | 2,261 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 3,309 |
| Cost of funding earning assets | 0.9983% | 1,769 |
| Net interest margin | 3.4144% | 3,830 |
| Noninterest income to average assets | 0.6543% | 1,968 |
| Noninterest expense to average assets | 2.9671% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7008% | 4,010 |
| Return on assets (ROA) | 0.7138% | 4,039 |
| Pretax return on assets | 0.8915% | 3,896 |
| Return on Equity (ROE) | 6.9262% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.9262% | 1,898 |
| Net charge-offs to loans | -0.0051% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2185% | 1,191 |
| Assets per employee ($millions) | 4.2344% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,335 |
| Loan loss allowance to noncurrent loans | 187.9962% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 1,442 |
| Noncurrent loans to loans | 0.5546% | 2,637 |
| Net loans and leases to total assets | 70.7672% | 2,365 |
| Net loans and leases to deposits | 81.1226% | 2,787 |
| Net loans and leases to core deposits | 89.8756% | 2,554 |
| Total domestic deposits to total assets | 87.2348% | 1,415 |
| Equity capital to assets | 10.2712% | 3,752 |
| Core capital (leverage) ratio | 9.7461% | 3,916 |
| Tier 1 risk-based capital ratio | 13.4911% | 3,577 |
| Total risk-based capital ratio | 14.5482% | 3,591 |
| Memoranda: | ||
| Average total assets | $255,730,500 | 2,441 |
| Average earning assets | $238,788,750 | 2,432 |
| Average equity | $26,353,500 | 2,617 |
| Average total loans | $184,577,750 | 2,295 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 3,288 |
| Cost of funding earning assets | 0.9436% | 1,943 |
| Net interest margin | 3.4728% | 3,677 |
| Noninterest income to average assets | 0.6562% | 1,891 |
| Noninterest expense to average assets | 3.0256% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7022% | 3,999 |
| Return on assets (ROA) | 0.6991% | 4,068 |
| Pretax return on assets | 0.8712% | 3,928 |
| Return on Equity (ROE) | 6.7757% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.7757% | 1,917 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5631% | 1,212 |
| Assets per employee ($millions) | 4.1230% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,184 |
| Loan loss allowance to noncurrent loans | 92.0967% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 1,331 |
| Noncurrent loans to loans | 1.1718% | 1,373 |
| Net loans and leases to total assets | 71.0373% | 2,372 |
| Net loans and leases to deposits | 81.5921% | 2,776 |
| Net loans and leases to core deposits | 90.3280% | 2,570 |
| Total domestic deposits to total assets | 87.0639% | 1,571 |
| Equity capital to assets | 10.4685% | 3,543 |
| Core capital (leverage) ratio | 9.9805% | 3,597 |
| Tier 1 risk-based capital ratio | 13.8766% | 3,380 |
| Total risk-based capital ratio | 14.9874% | 3,356 |
| Memoranda: | ||
| Average total assets | $252,052,330 | 2,478 |
| Average earning assets | $235,488,000 | 2,461 |
| Average equity | $26,004,670 | 2,636 |
| Average total loans | $182,513,330 | 2,322 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 2,897 |
| Cost of funding earning assets | 0.9129% | 1,948 |
| Net interest margin | 3.5798% | 3,327 |
| Noninterest income to average assets | 0.5722% | 2,176 |
| Noninterest expense to average assets | 3.0287% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7084% | 3,906 |
| Return on assets (ROA) | 0.7032% | 3,967 |
| Pretax return on assets | 0.8775% | 3,834 |
| Return on Equity (ROE) | 6.8670% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.8670% | 2,090 |
| Net charge-offs to loans | -0.0132% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4101% | 1,337 |
| Assets per employee ($millions) | 4.2953% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,278 |
| Loan loss allowance to noncurrent loans | 362.1129% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 2,840 |
| Noncurrent loans to loans | 0.2961% | 3,508 |
| Net loans and leases to total assets | 72.3657% | 2,097 |
| Net loans and leases to deposits | 83.1812% | 2,481 |
| Net loans and leases to core deposits | 91.6671% | 2,330 |
| Total domestic deposits to total assets | 86.9977% | 1,815 |
| Equity capital to assets | 10.2504% | 3,572 |
| Core capital (leverage) ratio | 9.7781% | 3,833 |
| Tier 1 risk-based capital ratio | 13.2453% | 3,740 |
| Total risk-based capital ratio | 14.3324% | 3,746 |
| Memoranda: | ||
| Average total assets | $250,269,000 | 2,512 |
| Average earning assets | $233,529,500 | 2,500 |
| Average equity | $25,630,000 | 2,671 |
| Average total loans | $181,985,000 | 2,349 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 2,071 |
| Cost of funding earning assets | 0.6857% | 2,173 |
| Net interest margin | 3.9379% | 2,198 |
| Noninterest income to average assets | 0.5922% | 2,337 |
| Noninterest expense to average assets | 3.2650% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7923% | 3,830 |
| Return on assets (ROA) | 0.7889% | 3,849 |
| Pretax return on assets | 0.9864% | 3,653 |
| Return on Equity (ROE) | 7.5696% | 3,635 |
| Retained earnings to average equity (ytd only) | 7.5696% | 1,427 |
| Net charge-offs to loans | 0.0335% | 2,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 41.3750% | 1,278 |
| Efficiency ratio | 76.7206% | 1,264 |
| Assets per employee ($millions) | 3.9224% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,035 |
| Loan loss allowance to noncurrent loans | 359.0580% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 2,860 |
| Noncurrent loans to loans | 0.3091% | 3,442 |
| Net loans and leases to total assets | 71.4682% | 2,355 |
| Net loans and leases to deposits | 82.0345% | 2,726 |
| Net loans and leases to core deposits | 91.2396% | 2,476 |
| Total domestic deposits to total assets | 87.1197% | 1,724 |
| Equity capital to assets | 10.2313% | 3,441 |
| Core capital (leverage) ratio | 9.9157% | 3,681 |
| Tier 1 risk-based capital ratio | 13.4388% | 3,584 |
| Total risk-based capital ratio | 14.5639% | 3,538 |
| Memoranda: | ||
| Average total assets | $233,873,800 | 2,587 |
| Average earning assets | $217,576,400 | 2,582 |
| Average equity | $24,373,800 | 2,690 |
| Average total loans | $167,294,600 | 2,465 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 1,627 |
| Cost of funding earning assets | 0.6383% | 2,220 |
| Net interest margin | 4.0773% | 1,702 |
| Noninterest income to average assets | 0.5927% | 2,349 |
| Noninterest expense to average assets | 3.2482% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9059% | 3,499 |
| Return on assets (ROA) | 0.9027% | 3,516 |
| Pretax return on assets | 1.1305% | 3,276 |
| Return on Equity (ROE) | 8.6194% | 3,282 |
| Retained earnings to average equity (ytd only) | 8.6194% | 1,369 |
| Net charge-offs to loans | -0.0486% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1127% | 1,579 |
| Assets per employee ($millions) | 3.6903% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 2,618 |
| Loan loss allowance to noncurrent loans | 86.6529% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.0357% | 1,403 |
| Noncurrent loans to loans | 1.3858% | 1,199 |
| Net loans and leases to total assets | 73.0519% | 2,157 |
| Net loans and leases to deposits | 84.2149% | 2,575 |
| Net loans and leases to core deposits | 91.6772% | 2,513 |
| Total domestic deposits to total assets | 86.7446% | 1,849 |
| Equity capital to assets | 10.4177% | 3,219 |
| Core capital (leverage) ratio | 10.1285% | 3,494 |
| Tier 1 risk-based capital ratio | 13.5083% | 3,624 |
| Total risk-based capital ratio | 14.7229% | 3,556 |
| Memoranda: | ||
| Average total assets | $230,563,750 | 2,619 |
| Average earning assets | $214,322,000 | 2,617 |
| Average equity | $24,146,500 | 2,727 |
| Average total loans | $164,470,750 | 2,503 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9401% | 942 |
| Cost of funding earning assets | 0.6090% | 2,168 |
| Net interest margin | 4.3311% | 977 |
| Noninterest income to average assets | 0.5693% | 2,478 |
| Noninterest expense to average assets | 3.2585% | 1,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0636% | 2,735 |
| Return on assets (ROA) | 1.0608% | 2,751 |
| Pretax return on assets | 1.3310% | 2,388 |
| Return on Equity (ROE) | 10.1109% | 2,516 |
| Retained earnings to average equity (ytd only) | 10.1109% | 901 |
| Net charge-offs to loans | -0.0534% | 4,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9444% | 2,173 |
| Assets per employee ($millions) | 3.6185% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,394 |
| Loan loss allowance to noncurrent loans | 54.2656% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 765 |
| Noncurrent loans to loans | 2.3165% | 586 |
| Net loans and leases to total assets | 69.4644% | 2,658 |
| Net loans and leases to deposits | 81.5704% | 2,812 |
| Net loans and leases to core deposits | 88.7324% | 2,663 |
| Total domestic deposits to total assets | 85.1588% | 2,615 |
| Equity capital to assets | 10.4241% | 3,187 |
| Core capital (leverage) ratio | 10.0486% | 3,528 |
| Tier 1 risk-based capital ratio | 13.6362% | 3,539 |
| Total risk-based capital ratio | 14.8753% | 3,459 |
| Memoranda: | ||
| Average total assets | $228,693,000 | 2,650 |
| Average earning assets | $212,463,670 | 2,646 |
| Average equity | $23,994,000 | 2,752 |
| Average total loans | $161,085,000 | 2,539 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 2,845 |
| Cost of funding earning assets | 0.5889% | 2,122 |
| Net interest margin | 3.6253% | 3,090 |
| Noninterest income to average assets | 0.5447% | 2,552 |
| Noninterest expense to average assets | 3.2151% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5578% | 4,552 |
| Return on assets (ROA) | 0.5536% | 4,564 |
| Pretax return on assets | 0.6884% | 4,470 |
| Return on Equity (ROE) | 5.2587% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.2587% | 3,055 |
| Net charge-offs to loans | 0.1032% | 1,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.5366% | 1,959 |
| Efficiency ratio | 82.2515% | 925 |
| Assets per employee ($millions) | 3.7953% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,545 |
| Loan loss allowance to noncurrent loans | 37.7959% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 2.3538% | 415 |
| Noncurrent loans to loans | 3.2943% | 331 |
| Net loans and leases to total assets | 69.5211% | 2,562 |
| Net loans and leases to deposits | 80.4184% | 2,763 |
| Net loans and leases to core deposits | 86.7580% | 2,741 |
| Total domestic deposits to total assets | 86.4493% | 2,340 |
| Equity capital to assets | 10.4178% | 3,158 |
| Core capital (leverage) ratio | 9.7082% | 3,835 |
| Tier 1 risk-based capital ratio | 13.3681% | 3,734 |
| Total risk-based capital ratio | 14.5939% | 3,661 |
| Memoranda: | ||
| Average total assets | $225,437,500 | 2,704 |
| Average earning assets | $209,197,000 | 2,700 |
| Average equity | $23,732,000 | 2,796 |
| Average total loans | $158,896,000 | 2,583 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 1,432 |
| Cost of funding earning assets | 0.6659% | 1,210 |
| Net interest margin | 3.9335% | 1,976 |
| Noninterest income to average assets | 0.6156% | 2,376 |
| Noninterest expense to average assets | 3.2677% | 1,439 |
| Loan and lease loss provision to assets | -0.2260% | 5,589 |
| Net operating income to assets | 2.8890% | 77 |
| Return on assets (ROA) | 2.8948% | 75 |
| Pretax return on assets | 1.2696% | 2,472 |
| Return on Equity (ROE) | 34.7637% | 22 |
| Retained earnings to average equity (ytd only) | 34.7637% | 8 |
| Net charge-offs to loans | 0.0414% | 2,957 |
| Credit loss provision to net charge-offs | -833.3333% | 5,033 |
| Earnings coverage of net charge-offs (x) | 38.2667% | 1,300 |
| Efficiency ratio | 75.8975% | 1,631 |
| Assets per employee ($millions) | 3.7193% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,247 |
| Loan loss allowance to noncurrent loans | 43.0867% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.1550% | 498 |
| Noncurrent loans to loans | 3.0034% | 372 |
| Net loans and leases to total assets | 69.6576% | 2,571 |
| Net loans and leases to deposits | 80.0874% | 2,906 |
| Net loans and leases to core deposits | 86.6421% | 2,866 |
| Total domestic deposits to total assets | 86.9771% | 2,010 |
| Equity capital to assets | 10.6386% | 3,005 |
| Core capital (leverage) ratio | 9.7145% | 3,796 |
| Tier 1 risk-based capital ratio | 13.3570% | 3,713 |
| Total risk-based capital ratio | 14.6121% | 3,619 |
| Memoranda: | ||
| Average total assets | $221,255,200 | 2,718 |
| Average earning assets | $207,550,800 | 2,692 |
| Average equity | $18,424,400 | 3,312 |
| Average total loans | $145,048,200 | 2,706 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,701 |
| Cost of funding earning assets | 0.6759% | 1,090 |
| Net interest margin | 3.8040% | 2,381 |
| Noninterest income to average assets | 0.6281% | 2,322 |
| Noninterest expense to average assets | 3.3136% | 1,314 |
| Loan and lease loss provision to assets | -0.3020% | 5,693 |
| Net operating income to assets | 1.1843% | 1,760 |
| Return on assets (ROA) | 1.1927% | 1,758 |
| Pretax return on assets | 1.2036% | 2,892 |
| Return on Equity (ROE) | 15.4035% | 602 |
| Retained earnings to average equity (ytd only) | 15.4035% | 104 |
| Net charge-offs to loans | 0.0235% | 2,985 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | 59.1644% | 999 |
| Efficiency ratio | 78.7683% | 1,239 |
| Assets per employee ($millions) | 3.7365% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 2,114 |
| Loan loss allowance to noncurrent loans | 42.1256% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 2.2802% | 514 |
| Noncurrent loans to loans | 3.2062% | 367 |
| Net loans and leases to total assets | 67.5362% | 2,911 |
| Net loans and leases to deposits | 82.7214% | 2,689 |
| Net loans and leases to core deposits | 89.7367% | 2,633 |
| Total domestic deposits to total assets | 81.6429% | 3,886 |
| Equity capital to assets | 8.7461% | 5,123 |
| Core capital (leverage) ratio | 9.0364% | 4,701 |
| Tier 1 risk-based capital ratio | 13.3539% | 3,793 |
| Total risk-based capital ratio | 14.6056% | 3,702 |
| Memoranda: | ||
| Average total assets | $220,779,000 | 2,742 |
| Average earning assets | $207,707,250 | 2,710 |
| Average equity | $17,095,250 | 3,512 |
| Average total loans | $141,938,750 | 2,775 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 1,043 |
| Cost of funding earning assets | 0.6762% | 1,009 |
| Net interest margin | 4.0321% | 1,510 |
| Noninterest income to average assets | 0.6756% | 2,096 |
| Noninterest expense to average assets | 3.3482% | 1,277 |
| Loan and lease loss provision to assets | -0.4553% | 5,756 |
| Net operating income to assets | 1.5590% | 771 |
| Return on assets (ROA) | 1.5707% | 774 |
| Pretax return on assets | 1.5844% | 1,392 |
| Return on Equity (ROE) | 21.2208% | 172 |
| Retained earnings to average equity (ytd only) | 21.2208% | 49 |
| Net charge-offs to loans | 0.0043% | 3,334 |
| Credit loss provision to net charge-offs | -16,666.6667% | 5,129 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 207 |
| Efficiency ratio | 74.9796% | 1,858 |
| Assets per employee ($millions) | 3.5924% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 1,850 |
| Loan loss allowance to noncurrent loans | 41.8247% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.3347% | 493 |
| Noncurrent loans to loans | 3.4011% | 348 |
| Net loans and leases to total assets | 65.1829% | 3,231 |
| Net loans and leases to deposits | 81.0590% | 2,796 |
| Net loans and leases to core deposits | 87.4483% | 2,750 |
| Total domestic deposits to total assets | 80.4141% | 4,322 |
| Equity capital to assets | 8.6797% | 5,165 |
| Core capital (leverage) ratio | 8.9438% | 4,783 |
| Tier 1 risk-based capital ratio | 13.4286% | 3,730 |
| Total risk-based capital ratio | 14.6809% | 3,652 |
| Memoranda: | ||
| Average total assets | $219,641,670 | 2,773 |
| Average earning assets | $206,444,330 | 2,738 |
| Average equity | $16,257,670 | 3,608 |
| Average total loans | $138,090,670 | 2,836 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 3,463 |
| Cost of funding earning assets | 0.6798% | 927 |
| Net interest margin | 3.2000% | 4,348 |
| Noninterest income to average assets | 0.5282% | 2,778 |
| Noninterest expense to average assets | 3.3691% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1632% | 5,444 |
| Return on assets (ROA) | 0.1541% | 5,466 |
| Pretax return on assets | 0.1541% | 5,481 |
| Return on Equity (ROE) | 2.2825% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.2825% | 4,228 |
| Net charge-offs to loans | 0.0120% | 2,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,420 |
| Efficiency ratio | 95.3790% | 336 |
| Assets per employee ($millions) | 3.8046% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 754 |
| Loan loss allowance to noncurrent loans | 44.1232% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 3.0131% | 337 |
| Noncurrent loans to loans | 4.3671% | 225 |
| Net loans and leases to total assets | 59.8306% | 3,804 |
| Net loans and leases to deposits | 73.9411% | 3,411 |
| Net loans and leases to core deposits | 79.7096% | 3,318 |
| Total domestic deposits to total assets | 80.9166% | 4,431 |
| Equity capital to assets | 7.9132% | 5,560 |
| Core capital (leverage) ratio | 8.2767% | 5,393 |
| Tier 1 risk-based capital ratio | 13.2733% | 3,901 |
| Total risk-based capital ratio | 14.5315% | 3,820 |
| Memoranda: | ||
| Average total assets | $218,099,000 | 2,806 |
| Average earning assets | $204,752,500 | 2,780 |
| Average equity | $14,720,500 | 3,813 |
| Average total loans | $133,498,500 | 2,910 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 2,804 |
| Cost of funding earning assets | 0.8421% | 404 |
| Net interest margin | 3.2703% | 4,229 |
| Noninterest income to average assets | 0.5688% | 2,824 |
| Noninterest expense to average assets | 3.3810% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2563% | 5,311 |
| Return on assets (ROA) | 0.3446% | 5,179 |
| Pretax return on assets | 0.3464% | 5,308 |
| Return on Equity (ROE) | 6.0853% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.0853% | 1,664 |
| Net charge-offs to loans | -0.0174% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9308% | 424 |
| Assets per employee ($millions) | 3.5333% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 708 |
| Loan loss allowance to noncurrent loans | 42.3403% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 3.1527% | 301 |
| Noncurrent loans to loans | 4.6353% | 190 |
| Net loans and leases to total assets | 60.2134% | 3,823 |
| Net loans and leases to deposits | 72.2004% | 3,697 |
| Net loans and leases to core deposits | 77.8867% | 3,575 |
| Total domestic deposits to total assets | 83.3977% | 3,628 |
| Equity capital to assets | 5.5579% | 5,865 |
| Core capital (leverage) ratio | 5.8070% | 5,867 |
| Tier 1 risk-based capital ratio | 9.3966% | 5,827 |
| Total risk-based capital ratio | 10.6546% | 5,824 |
| Memoranda: | ||
| Average total assets | $218,514,200 | 2,774 |
| Average earning assets | $205,087,200 | 2,739 |
| Average equity | $12,374,000 | 4,195 |
| Average total loans | $132,228,400 | 2,886 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 2,956 |
| Cost of funding earning assets | 0.8459% | 392 |
| Net interest margin | 3.2322% | 4,396 |
| Noninterest income to average assets | 0.5740% | 2,791 |
| Noninterest expense to average assets | 3.3956% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2116% | 5,446 |
| Return on assets (ROA) | 0.3290% | 5,295 |
| Pretax return on assets | 0.3314% | 5,411 |
| Return on Equity (ROE) | 5.7832% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.7832% | 2,312 |
| Net charge-offs to loans | 0.3107% | 743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.1364% | 3,725 |
| Efficiency ratio | 94.1018% | 384 |
| Assets per employee ($millions) | 3.6797% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 1,189 |
| Loan loss allowance to noncurrent loans | 33.1094% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 3.1606% | 350 |
| Noncurrent loans to loans | 5.1738% | 157 |
| Net loans and leases to total assets | 58.9148% | 4,002 |
| Net loans and leases to deposits | 73.7993% | 3,615 |
| Net loans and leases to core deposits | 79.3572% | 3,515 |
| Total domestic deposits to total assets | 79.8311% | 4,553 |
| Equity capital to assets | 6.0168% | 5,931 |
| Core capital (leverage) ratio | 5.8029% | 5,932 |
| Tier 1 risk-based capital ratio | 9.2161% | 5,907 |
| Total risk-based capital ratio | 10.4712% | 5,907 |
| Memoranda: | ||
| Average total assets | $219,260,250 | 2,774 |
| Average earning assets | $205,839,500 | 2,742 |
| Average equity | $12,472,750 | 4,209 |
| Average total loans | $132,191,500 | 2,899 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 2,508 |
| Cost of funding earning assets | 0.8551% | 365 |
| Net interest margin | 3.3455% | 4,078 |
| Noninterest income to average assets | 0.5714% | 2,787 |
| Noninterest expense to average assets | 3.3572% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3490% | 5,183 |
| Return on assets (ROA) | 0.5092% | 4,754 |
| Pretax return on assets | 0.5129% | 5,105 |
| Return on Equity (ROE) | 9.1294% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.1294% | 814 |
| Net charge-offs to loans | -0.0984% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5325% | 574 |
| Assets per employee ($millions) | 3.4722% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9674% | 790 |
| Loan loss allowance to noncurrent loans | 46.9250% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.7731% | 462 |
| Noncurrent loans to loans | 4.1927% | 266 |
| Net loans and leases to total assets | 60.1354% | 3,867 |
| Net loans and leases to deposits | 74.5331% | 3,526 |
| Net loans and leases to core deposits | 79.7610% | 3,483 |
| Total domestic deposits to total assets | 80.6828% | 4,367 |
| Equity capital to assets | 6.1125% | 6,011 |
| Core capital (leverage) ratio | 5.7871% | 6,010 |
| Tier 1 risk-based capital ratio | 8.8815% | 6,002 |
| Total risk-based capital ratio | 10.1393% | 6,000 |
| Memoranda: | ||
| Average total assets | $218,753,670 | 2,781 |
| Average earning assets | $205,112,000 | 2,762 |
| Average equity | $12,202,330 | 4,283 |
| Average total loans | $132,142,330 | 2,900 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 1,597 |
| Cost of funding earning assets | 0.8571% | 371 |
| Net interest margin | 3.6120% | 3,039 |
| Noninterest income to average assets | 0.5156% | 3,016 |
| Noninterest expense to average assets | 3.3791% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5193% | 4,545 |
| Return on assets (ROA) | 0.7186% | 3,735 |
| Pretax return on assets | 0.7186% | 4,458 |
| Return on Equity (ROE) | 13.5307% | 923 |
| Retained earnings to average equity (ytd only) | 13.5307% | 351 |
| Net charge-offs to loans | -0.0366% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6792% | 914 |
| Assets per employee ($millions) | 3.5695% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 876 |
| Loan loss allowance to noncurrent loans | 54.1894% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 2.5994% | 553 |
| Noncurrent loans to loans | 3.6210% | 367 |
| Net loans and leases to total assets | 59.3621% | 3,868 |
| Net loans and leases to deposits | 73.7593% | 3,460 |
| Net loans and leases to core deposits | 78.5998% | 3,436 |
| Total domestic deposits to total assets | 80.4808% | 4,638 |
| Equity capital to assets | 5.7091% | 6,075 |
| Core capital (leverage) ratio | 5.6846% | 6,073 |
| Tier 1 risk-based capital ratio | 9.0366% | 6,056 |
| Total risk-based capital ratio | 10.2947% | 6,049 |
| Memoranda: | ||
| Average total assets | $218,756,500 | 2,796 |
| Average earning assets | $204,875,000 | 2,769 |
| Average equity | $11,618,000 | 4,398 |
| Average total loans | $131,121,000 | 2,916 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 3,731 |
| Cost of funding earning assets | 0.8723% | 329 |
| Net interest margin | 3.0205% | 5,085 |
| Noninterest income to average assets | 0.6014% | 2,706 |
| Noninterest expense to average assets | 3.3325% | 1,640 |
| Loan and lease loss provision to assets | -0.3085% | 6,066 |
| Net operating income to assets | 0.4005% | 5,051 |
| Return on assets (ROA) | 0.4466% | 4,977 |
| Pretax return on assets | 0.4466% | 5,234 |
| Return on Equity (ROE) | 9.0161% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.0161% | 648 |
| Net charge-offs to loans | -0.5058% | 6,083 |
| Credit loss provision to net charge-offs | 106.7093% | 2,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3159% | 358 |
| Assets per employee ($millions) | 3.7250% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9747% | 834 |
| Loan loss allowance to noncurrent loans | 68.5023% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.1468% | 799 |
| Noncurrent loans to loans | 2.8827% | 579 |
| Net loans and leases to total assets | 58.1623% | 4,063 |
| Net loans and leases to deposits | 71.3118% | 3,783 |
| Net loans and leases to core deposits | 75.6513% | 3,785 |
| Total domestic deposits to total assets | 81.5605% | 4,314 |
| Equity capital to assets | 4.9164% | 6,144 |
| Core capital (leverage) ratio | 5.5281% | 6,133 |
| Tier 1 risk-based capital ratio | 8.8810% | 6,112 |
| Total risk-based capital ratio | 10.1394% | 6,102 |
| Memoranda: | ||
| Average total assets | $216,503,000 | 2,777 |
| Average earning assets | $202,348,600 | 2,757 |
| Average equity | $10,725,200 | 4,536 |
| Average total loans | $123,764,000 | 2,993 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 3,832 |
| Cost of funding earning assets | 0.8750% | 331 |
| Net interest margin | 2.9991% | 5,191 |
| Noninterest income to average assets | 0.6163% | 2,656 |
| Noninterest expense to average assets | 3.3239% | 1,641 |
| Loan and lease loss provision to assets | -0.3400% | 6,168 |
| Net operating income to assets | 0.4333% | 5,034 |
| Return on assets (ROA) | 0.4853% | 4,938 |
| Pretax return on assets | 0.4853% | 5,255 |
| Return on Equity (ROE) | 9.7769% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.7769% | 676 |
| Net charge-offs to loans | -0.5372% | 6,165 |
| Credit loss provision to net charge-offs | 111.7886% | 2,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2685% | 379 |
| Assets per employee ($millions) | 3.5773% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0273% | 882 |
| Loan loss allowance to noncurrent loans | 61.3669% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 2.4050% | 739 |
| Noncurrent loans to loans | 3.3036% | 499 |
| Net loans and leases to total assets | 56.6716% | 4,282 |
| Net loans and leases to deposits | 70.2336% | 3,955 |
| Net loans and leases to core deposits | 74.5591% | 3,953 |
| Total domestic deposits to total assets | 80.6901% | 4,553 |
| Equity capital to assets | 5.1481% | 6,225 |
| Core capital (leverage) ratio | 5.5073% | 6,215 |
| Tier 1 risk-based capital ratio | 8.9746% | 6,192 |
| Total risk-based capital ratio | 10.2334% | 6,182 |
| Memoranda: | ||
| Average total assets | $215,685,500 | 2,812 |
| Average earning assets | $201,431,500 | 2,787 |
| Average equity | $10,705,250 | 4,585 |
| Average total loans | $122,105,000 | 3,044 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 3,846 |
| Cost of funding earning assets | 0.8788% | 318 |
| Net interest margin | 2.9756% | 5,277 |
| Noninterest income to average assets | 0.6609% | 2,411 |
| Noninterest expense to average assets | 3.2833% | 1,751 |
| Loan and lease loss provision to assets | -0.5120% | 6,276 |
| Net operating income to assets | 0.6665% | 4,052 |
| Return on assets (ROA) | 0.7364% | 3,819 |
| Pretax return on assets | 0.7364% | 4,538 |
| Return on Equity (ROE) | 15.0252% | 725 |
| Retained earnings to average equity (ytd only) | 15.0252% | 187 |
| Net charge-offs to loans | -0.8680% | 6,260 |
| Credit loss provision to net charge-offs | 104.9618% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5050% | 455 |
| Assets per employee ($millions) | 3.3995% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 900 |
| Loan loss allowance to noncurrent loans | 61.4709% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 2.4910% | 760 |
| Noncurrent loans to loans | 3.3532% | 541 |
| Net loans and leases to total assets | 57.4828% | 4,168 |
| Net loans and leases to deposits | 70.3692% | 3,886 |
| Net loans and leases to core deposits | 74.6883% | 3,886 |
| Total domestic deposits to total assets | 81.6874% | 4,394 |
| Equity capital to assets | 4.8251% | 6,305 |
| Core capital (leverage) ratio | 5.5238% | 6,285 |
| Tier 1 risk-based capital ratio | 9.0227% | 6,256 |
| Total risk-based capital ratio | 10.2822% | 6,233 |
| Memoranda: | ||
| Average total assets | $214,842,330 | 2,838 |
| Average earning assets | $200,494,670 | 2,810 |
| Average equity | $10,529,000 | 4,646 |
| Average total loans | $120,731,670 | 3,074 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,289 |
| Cost of funding earning assets | 0.8828% | 312 |
| Net interest margin | 2.8397% | 5,571 |
| Noninterest income to average assets | 0.6934% | 2,183 |
| Noninterest expense to average assets | 3.1286% | 2,182 |
| Loan and lease loss provision to assets | -1.0224% | 6,383 |
| Net operating income to assets | 1.2362% | 1,443 |
| Return on assets (ROA) | 1.3626% | 1,174 |
| Pretax return on assets | 1.3626% | 2,029 |
| Return on Equity (ROE) | 27.5914% | 79 |
| Retained earnings to average equity (ytd only) | 27.5914% | 33 |
| Net charge-offs to loans | -1.8267% | 6,353 |
| Credit loss provision to net charge-offs | 101.8519% | 1,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6040% | 615 |
| Assets per employee ($millions) | 3.5492% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1894% | 820 |
| Loan loss allowance to noncurrent loans | 40.7407% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 3.7898% | 411 |
| Noncurrent loans to loans | 5.3739% | 226 |
| Net loans and leases to total assets | 53.7961% | 4,469 |
| Net loans and leases to deposits | 66.6676% | 4,085 |
| Net loans and leases to core deposits | 70.4161% | 4,116 |
| Total domestic deposits to total assets | 80.6929% | 4,890 |
| Equity capital to assets | 5.2351% | 6,361 |
| Core capital (leverage) ratio | 5.4898% | 6,348 |
| Tier 1 risk-based capital ratio | 9.6105% | 6,253 |
| Total risk-based capital ratio | 10.8714% | 6,218 |
| Memoranda: | ||
| Average total assets | $215,178,500 | 2,852 |
| Average earning assets | $200,726,500 | 2,827 |
| Average equity | $10,626,500 | 4,673 |
| Average total loans | $118,246,500 | 3,118 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 3,310 |
| Cost of funding earning assets | 0.9475% | 292 |
| Net interest margin | 3.1571% | 5,050 |
| Noninterest income to average assets | 0.5644% | 3,096 |
| Noninterest expense to average assets | 3.5244% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0038% | 6,093 |
| Return on assets (ROA) | 0.0548% | 6,039 |
| Pretax return on assets | 0.0548% | 6,039 |
| Return on Equity (ROE) | 1.4802% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.4802% | 5,102 |
| Net charge-offs to loans | 0.2036% | 2,039 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.0336% | 4,718 |
| Efficiency ratio | 100.1074% | 359 |
| Assets per employee ($millions) | 3.6247% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2288% | 791 |
| Loan loss allowance to noncurrent loans | 37.2739% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 4.1247% | 400 |
| Noncurrent loans to loans | 5.9795% | 194 |
| Net loans and leases to total assets | 53.6810% | 4,615 |
| Net loans and leases to deposits | 65.8529% | 4,346 |
| Net loans and leases to core deposits | 69.6593% | 4,352 |
| Total domestic deposits to total assets | 81.5165% | 4,592 |
| Equity capital to assets | 4.6382% | 6,467 |
| Core capital (leverage) ratio | 5.1905% | 6,448 |
| Tier 1 risk-based capital ratio | 9.0112% | 6,405 |
| Total risk-based capital ratio | 10.2743% | 6,394 |
| Memoranda: | ||
| Average total assets | $211,556,200 | 2,864 |
| Average earning assets | $198,090,800 | 2,825 |
| Average equity | $7,837,000 | 5,239 |
| Average total loans | $116,874,200 | 3,101 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 3,056 |
| Cost of funding earning assets | 0.9580% | 295 |
| Net interest margin | 3.2245% | 4,879 |
| Noninterest income to average assets | 0.5763% | 3,021 |
| Noninterest expense to average assets | 3.5522% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0468% | 6,092 |
| Return on assets (ROA) | 0.1036% | 6,052 |
| Pretax return on assets | 0.1036% | 6,054 |
| Return on Equity (ROE) | 2.9886% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.9886% | 4,476 |
| Net charge-offs to loans | 0.2170% | 1,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.3895% | 4,397 |
| Efficiency ratio | 98.7006% | 409 |
| Assets per employee ($millions) | 3.5684% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1905% | 958 |
| Loan loss allowance to noncurrent loans | 33.7511% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 4.0330% | 485 |
| Noncurrent loans to loans | 6.4902% | 195 |
| Net loans and leases to total assets | 55.5986% | 4,381 |
| Net loans and leases to deposits | 68.0851% | 4,116 |
| Net loans and leases to core deposits | 72.0019% | 4,152 |
| Total domestic deposits to total assets | 81.6605% | 4,607 |
| Equity capital to assets | 4.2297% | 6,546 |
| Core capital (leverage) ratio | 5.2114% | 6,520 |
| Tier 1 risk-based capital ratio | 8.8921% | 6,489 |
| Total risk-based capital ratio | 10.1554% | 6,485 |
| Memoranda: | ||
| Average total assets | $210,981,250 | 2,896 |
| Average earning assets | $197,769,750 | 2,854 |
| Average equity | $7,316,500 | 5,388 |
| Average total loans | $116,738,500 | 3,125 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 2,904 |
| Cost of funding earning assets | 0.9589% | 303 |
| Net interest margin | 3.2545% | 4,762 |
| Noninterest income to average assets | 0.5821% | 2,914 |
| Noninterest expense to average assets | 3.6229% | 1,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0114% | 6,171 |
| Return on assets (ROA) | 0.0086% | 6,198 |
| Pretax return on assets | 0.0086% | 6,187 |
| Return on Equity (ROE) | 0.2672% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.2672% | 5,612 |
| Net charge-offs to loans | 0.1460% | 2,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.1429% | 4,104 |
| Efficiency ratio | 99.6855% | 416 |
| Assets per employee ($millions) | 3.4403% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3408% | 862 |
| Loan loss allowance to noncurrent loans | 35.8798% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 3.9433% | 545 |
| Noncurrent loans to loans | 6.5240% | 209 |
| Net loans and leases to total assets | 54.2003% | 4,519 |
| Net loans and leases to deposits | 66.0914% | 4,261 |
| Net loans and leases to core deposits | 70.1503% | 4,252 |
| Total domestic deposits to total assets | 82.0081% | 4,646 |
| Equity capital to assets | 3.9077% | 6,618 |
| Core capital (leverage) ratio | 5.2182% | 6,575 |
| Tier 1 risk-based capital ratio | 8.8880% | 6,541 |
| Total risk-based capital ratio | 10.1540% | 6,537 |
| Memoranda: | ||
| Average total assets | $209,939,670 | 2,915 |
| Average earning assets | $196,894,330 | 2,874 |
| Average equity | $6,736,670 | 5,553 |
| Average total loans | $115,082,670 | 3,150 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 2,691 |
| Cost of funding earning assets | 0.9563% | 328 |
| Net interest margin | 3.2938% | 4,566 |
| Noninterest income to average assets | 0.4917% | 3,479 |
| Noninterest expense to average assets | 3.7491% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1748% | 6,341 |
| Return on assets (ROA) | -0.1786% | 6,348 |
| Pretax return on assets | -0.1786% | 6,335 |
| Return on Equity (ROE) | -6.2653% | 6,497 |
| Retained earnings to average equity (ytd only) | -6.2653% | 6,196 |
| Net charge-offs to loans | 0.3491% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.9192% | 3,507 |
| Efficiency ratio | 104.8898% | 350 |
| Assets per employee ($millions) | 3.3009% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3940% | 918 |
| Loan loss allowance to noncurrent loans | 49.4527% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 3.4118% | 774 |
| Noncurrent loans to loans | 4.8410% | 471 |
| Net loans and leases to total assets | 54.0333% | 4,415 |
| Net loans and leases to deposits | 65.3332% | 4,163 |
| Net loans and leases to core deposits | 68.9883% | 4,208 |
| Total domestic deposits to total assets | 82.7041% | 4,715 |
| Equity capital to assets | 3.2959% | 6,687 |
| Core capital (leverage) ratio | 5.2453% | 6,636 |
| Tier 1 risk-based capital ratio | 9.0391% | 6,592 |
| Total risk-based capital ratio | 10.3065% | 6,588 |
| Memoranda: | ||
| Average total assets | $208,261,500 | 2,954 |
| Average earning assets | $194,909,500 | 2,906 |
| Average equity | $5,937,500 | 5,760 |
| Average total loans | $113,435,000 | 3,193 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 3,719 |
| Cost of funding earning assets | 1.0041% | 432 |
| Net interest margin | 3.1010% | 5,311 |
| Noninterest income to average assets | 0.6495% | 2,813 |
| Noninterest expense to average assets | 3.8331% | 1,089 |
| Loan and lease loss provision to assets | -0.7106% | 6,774 |
| Net operating income to assets | 0.4283% | 5,044 |
| Return on assets (ROA) | 0.7968% | 3,402 |
| Pretax return on assets | 0.7968% | 4,156 |
| Return on Equity (ROE) | 23.8271% | 152 |
| Retained earnings to average equity (ytd only) | 23.8271% | 56 |
| Net charge-offs to loans | 0.1492% | 3,311 |
| Credit loss provision to net charge-offs | -937.5000% | 6,216 |
| Earnings coverage of net charge-offs (x) | -3.7250% | 5,365 |
| Efficiency ratio | 107.9520% | 305 |
| Assets per employee ($millions) | 3.3106% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5549% | 775 |
| Loan loss allowance to noncurrent loans | 46.1004% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 3.6789% | 767 |
| Noncurrent loans to loans | 5.5419% | 406 |
| Net loans and leases to total assets | 52.2103% | 4,818 |
| Net loans and leases to deposits | 62.9665% | 4,616 |
| Net loans and leases to core deposits | 66.4496% | 4,660 |
| Total domestic deposits to total assets | 82.9176% | 4,570 |
| Equity capital to assets | 2.4074% | 6,777 |
| Core capital (leverage) ratio | 5.3639% | 6,696 |
| Tier 1 risk-based capital ratio | 9.3845% | 6,616 |
| Total risk-based capital ratio | 10.6535% | 6,598 |
| Memoranda: | ||
| Average total assets | $211,082,200 | 2,905 |
| Average earning assets | $197,482,200 | 2,858 |
| Average equity | $7,059,200 | 5,547 |
| Average total loans | $107,232,400 | 3,301 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 3,853 |
| Cost of funding earning assets | 1.0077% | 472 |
| Net interest margin | 3.0668% | 5,410 |
| Noninterest income to average assets | 0.6940% | 2,644 |
| Noninterest expense to average assets | 3.9159% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3527% | 6,547 |
| Return on assets (ROA) | 0.1373% | 6,132 |
| Pretax return on assets | 0.1373% | 6,162 |
| Return on Equity (ROE) | 3.8403% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.8403% | 3,953 |
| Net charge-offs to loans | 0.1345% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -5.2338% | 5,142 |
| Efficiency ratio | 109.8975% | 270 |
| Assets per employee ($millions) | 3.2791% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1255% | 212 |
| Loan loss allowance to noncurrent loans | 54.8600% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 4.5563% | 658 |
| Noncurrent loans to loans | 7.5200% | 252 |
| Net loans and leases to total assets | 50.3878% | 5,097 |
| Net loans and leases to deposits | 61.2661% | 4,838 |
| Net loans and leases to core deposits | 64.5800% | 4,836 |
| Total domestic deposits to total assets | 82.2442% | 4,851 |
| Equity capital to assets | 2.3074% | 6,871 |
| Core capital (leverage) ratio | 4.6816% | 6,797 |
| Tier 1 risk-based capital ratio | 8.6078% | 6,744 |
| Total risk-based capital ratio | 9.8984% | 6,746 |
| Memoranda: | ||
| Average total assets | $211,711,250 | 2,922 |
| Average earning assets | $198,074,750 | 2,875 |
| Average equity | $7,568,750 | 5,504 |
| Average total loans | $106,103,500 | 3,344 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 4,040 |
| Cost of funding earning assets | 1.0014% | 543 |
| Net interest margin | 3.0153% | 5,535 |
| Noninterest income to average assets | 0.6592% | 2,860 |
| Noninterest expense to average assets | 3.9214% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.4410% | 6,617 |
| Return on assets (ROA) | 0.2862% | 5,786 |
| Pretax return on assets | 0.2862% | 5,911 |
| Return on Equity (ROE) | 7.1998% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.1998% | 1,791 |
| Net charge-offs to loans | 0.2286% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.9091% | 4,812 |
| Efficiency ratio | 112.6708% | 242 |
| Assets per employee ($millions) | 3.3566% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1509% | 225 |
| Loan loss allowance to noncurrent loans | 49.4597% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 4.9470% | 623 |
| Noncurrent loans to loans | 8.3925% | 227 |
| Net loans and leases to total assets | 49.5546% | 5,153 |
| Net loans and leases to deposits | 60.3824% | 4,930 |
| Net loans and leases to core deposits | 63.7106% | 4,926 |
| Total domestic deposits to total assets | 82.0679% | 5,039 |
| Equity capital to assets | 2.6965% | 6,909 |
| Core capital (leverage) ratio | 4.5529% | 6,848 |
| Tier 1 risk-based capital ratio | 8.7424% | 6,772 |
| Total risk-based capital ratio | 10.0331% | 6,773 |
| Memoranda: | ||
| Average total assets | $214,514,000 | 2,911 |
| Average earning assets | $200,710,670 | 2,865 |
| Average equity | $8,528,000 | 5,300 |
| Average total loans | $105,855,330 | 3,357 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 4,033 |
| Cost of funding earning assets | 0.9873% | 659 |
| Net interest margin | 3.0338% | 5,474 |
| Noninterest income to average assets | 0.5579% | 3,381 |
| Noninterest expense to average assets | 3.8305% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4321% | 6,647 |
| Return on assets (ROA) | 0.2844% | 5,734 |
| Pretax return on assets | 0.2844% | 5,889 |
| Return on Equity (ROE) | 6.2204% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.2204% | 2,555 |
| Net charge-offs to loans | 0.1587% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -5.6429% | 4,078 |
| Efficiency ratio | 112.7146% | 290 |
| Assets per employee ($millions) | 3.3346% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2583% | 234 |
| Loan loss allowance to noncurrent loans | 44.3178% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 5.5862% | 609 |
| Noncurrent loans to loans | 9.6086% | 230 |
| Net loans and leases to total assets | 46.3988% | 5,398 |
| Net loans and leases to deposits | 56.9410% | 5,146 |
| Net loans and leases to core deposits | 59.9122% | 5,155 |
| Total domestic deposits to total assets | 81.4858% | 5,368 |
| Equity capital to assets | 4.3950% | 6,923 |
| Core capital (leverage) ratio | 4.3230% | 6,916 |
| Tier 1 risk-based capital ratio | 8.5253% | 6,839 |
| Total risk-based capital ratio | 9.8167% | 6,841 |
| Memoranda: | ||
| Average total assets | $219,396,000 | 2,875 |
| Average earning assets | $205,416,000 | 2,837 |
| Average equity | $10,031,500 | 4,979 |
| Average total loans | $105,854,500 | 3,385 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 3,781 |
| Cost of funding earning assets | 1.1771% | 639 |
| Net interest margin | 3.2307% | 5,488 |
| Noninterest income to average assets | 0.7668% | 2,409 |
| Noninterest expense to average assets | 3.9965% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2778% | 6,422 |
| Return on assets (ROA) | 0.2068% | 5,947 |
| Pretax return on assets | 0.2068% | 5,981 |
| Return on Equity (ROE) | 5.0381% | 4,661 |
| Retained earnings to average equity (ytd only) | 5.0381% | 2,678 |
| Net charge-offs to loans | 0.9781% | 1,114 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.5572% | 5,684 |
| Efficiency ratio | 107.4707% | 382 |
| Assets per employee ($millions) | 3.4695% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2328% | 242 |
| Loan loss allowance to noncurrent loans | 42.9346% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 5.8294% | 606 |
| Noncurrent loans to loans | 9.8586% | 242 |
| Net loans and leases to total assets | 46.0055% | 5,613 |
| Net loans and leases to deposits | 56.6029% | 5,377 |
| Net loans and leases to core deposits | 59.3820% | 5,416 |
| Total domestic deposits to total assets | 81.2777% | 5,317 |
| Equity capital to assets | 4.7454% | 6,964 |
| Core capital (leverage) ratio | 4.1642% | 6,982 |
| Tier 1 risk-based capital ratio | 8.3926% | 6,894 |
| Total risk-based capital ratio | 9.6842% | 6,895 |
| Memoranda: | ||
| Average total assets | $229,651,800 | 2,729 |
| Average earning assets | $209,832,800 | 2,736 |
| Average equity | $9,428,200 | 5,124 |
| Average total loans | $117,059,800 | 3,144 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 3,544 |
| Cost of funding earning assets | 1.2174% | 643 |
| Net interest margin | 3.3059% | 5,372 |
| Noninterest income to average assets | 0.6564% | 2,960 |
| Noninterest expense to average assets | 3.9708% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3138% | 6,584 |
| Return on assets (ROA) | 0.2413% | 5,995 |
| Pretax return on assets | 0.2413% | 6,064 |
| Return on Equity (ROE) | 6.1048% | 4,284 |
| Retained earnings to average equity (ytd only) | 6.1048% | 2,630 |
| Net charge-offs to loans | 0.7343% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.8270% | 5,555 |
| Efficiency ratio | 108.5813% | 331 |
| Assets per employee ($millions) | 3.2439% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6648% | 188 |
| Loan loss allowance to noncurrent loans | 31.4350% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 9.1449% | 296 |
| Noncurrent loans to loans | 14.8394% | 102 |
| Net loans and leases to total assets | 45.6630% | 5,801 |
| Net loans and leases to deposits | 57.8163% | 5,445 |
| Net loans and leases to core deposits | 61.1568% | 5,442 |
| Total domestic deposits to total assets | 78.9795% | 5,875 |
| Equity capital to assets | 4.5503% | 7,074 |
| Core capital (leverage) ratio | 4.0583% | 7,093 |
| Tier 1 risk-based capital ratio | 8.4342% | 6,973 |
| Total risk-based capital ratio | 9.7319% | 6,974 |
| Memoranda: | ||
| Average total assets | $231,553,500 | 2,735 |
| Average earning assets | $210,162,750 | 2,764 |
| Average equity | $9,151,000 | 5,231 |
| Average total loans | $119,657,750 | 3,119 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 3,494 |
| Cost of funding earning assets | 1.2413% | 679 |
| Net interest margin | 3.3261% | 5,368 |
| Noninterest income to average assets | 0.6526% | 2,943 |
| Noninterest expense to average assets | 3.9858% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3323% | 6,639 |
| Return on assets (ROA) | 0.3767% | 5,545 |
| Pretax return on assets | 0.3767% | 5,759 |
| Return on Equity (ROE) | 10.0155% | 2,341 |
| Retained earnings to average equity (ytd only) | 10.0155% | 968 |
| Net charge-offs to loans | 0.7802% | 1,408 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.8054% | 5,279 |
| Efficiency ratio | 109.0952% | 341 |
| Assets per employee ($millions) | 3.4542% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3919% | 253 |
| Loan loss allowance to noncurrent loans | 30.2873% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 9.2744% | 312 |
| Noncurrent loans to loans | 14.5008% | 108 |
| Net loans and leases to total assets | 48.6964% | 5,537 |
| Net loans and leases to deposits | 60.6221% | 5,184 |
| Net loans and leases to core deposits | 63.8442% | 5,226 |
| Total domestic deposits to total assets | 80.3277% | 5,655 |
| Equity capital to assets | 4.3503% | 7,124 |
| Core capital (leverage) ratio | 4.0333% | 7,130 |
| Tier 1 risk-based capital ratio | 7.8851% | 7,047 |
| Total risk-based capital ratio | 9.1799% | 7,045 |
| Memoranda: | ||
| Average total assets | $234,128,330 | 2,717 |
| Average earning assets | $211,235,670 | 2,747 |
| Average equity | $8,806,330 | 5,316 |
| Average total loans | $123,807,670 | 3,055 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 2,347 |
| Cost of funding earning assets | 1.2634% | 733 |
| Net interest margin | 3.6085% | 4,226 |
| Noninterest income to average assets | 0.6744% | 2,785 |
| Noninterest expense to average assets | 4.1686% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2531% | 6,678 |
| Return on assets (ROA) | 0.2055% | 6,116 |
| Pretax return on assets | 0.2055% | 6,191 |
| Return on Equity (ROE) | 5.9201% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.9201% | 3,008 |
| Net charge-offs to loans | 0.8488% | 1,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.5539% | 4,511 |
| Efficiency ratio | 106.4642% | 399 |
| Assets per employee ($millions) | 3.4574% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4636% | 253 |
| Loan loss allowance to noncurrent loans | 29.7139% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 10.0598% | 294 |
| Noncurrent loans to loans | 15.0219% | 120 |
| Net loans and leases to total assets | 49.0789% | 5,421 |
| Net loans and leases to deposits | 60.5733% | 5,085 |
| Net loans and leases to core deposits | 63.6026% | 5,166 |
| Total domestic deposits to total assets | 81.0241% | 5,599 |
| Equity capital to assets | 3.4419% | 7,215 |
| Core capital (leverage) ratio | 3.6301% | 7,203 |
| Tier 1 risk-based capital ratio | 6.9350% | 7,138 |
| Total risk-based capital ratio | 8.2296% | 7,138 |
| Memoranda: | ||
| Average total assets | $235,476,500 | 2,716 |
| Average earning assets | $211,500,000 | 2,752 |
| Average equity | $8,175,500 | 5,539 |
| Average total loans | $126,773,500 | 3,006 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 4,599 |
| Cost of funding earning assets | 1.4854% | 756 |
| Net interest margin | 3.1326% | 6,267 |
| Noninterest income to average assets | 0.6775% | 2,740 |
| Noninterest expense to average assets | 4.1177% | 890 |
| Loan and lease loss provision to assets | 0.7409% | 1,367 |
| Net operating income to assets | -1.0939% | 6,782 |
| Return on assets (ROA) | -0.8184% | 6,695 |
| Pretax return on assets | -0.9803% | 6,724 |
| Return on Equity (ROE) | -30.6774% | 7,099 |
| Retained earnings to average equity (ytd only) | -30.6774% | 7,092 |
| Net charge-offs to loans | 2.5041% | 466 |
| Credit loss provision to net charge-offs | 47.3402% | 5,485 |
| Earnings coverage of net charge-offs (x) | -0.3651% | 6,031 |
| Efficiency ratio | 116.1103% | 342 |
| Assets per employee ($millions) | 3.3693% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2630% | 305 |
| Loan loss allowance to noncurrent loans | 27.4757% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 11.5633% | 237 |
| Noncurrent loans to loans | 15.5156% | 120 |
| Net loans and leases to total assets | 53.8944% | 5,053 |
| Net loans and leases to deposits | 66.1525% | 4,707 |
| Net loans and leases to core deposits | 69.5940% | 4,836 |
| Total domestic deposits to total assets | 81.4700% | 5,303 |
| Equity capital to assets | 3.5018% | 7,251 |
| Core capital (leverage) ratio | 3.5817% | 7,234 |
| Tier 1 risk-based capital ratio | 6.5395% | 7,182 |
| Total risk-based capital ratio | 7.8340% | 7,180 |
| Memoranda: | ||
| Average total assets | $261,846,800 | 2,413 |
| Average earning assets | $239,803,400 | 2,407 |
| Average equity | $6,985,600 | 5,867 |
| Average total loans | $163,648,600 | 2,444 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 4,467 |
| Cost of funding earning assets | 1.5319% | 769 |
| Net interest margin | 3.1685% | 6,239 |
| Noninterest income to average assets | 0.4899% | 3,949 |
| Noninterest expense to average assets | 3.8566% | 1,217 |
| Loan and lease loss provision to assets | 0.9639% | 907 |
| Net operating income to assets | -1.4295% | 7,024 |
| Return on assets (ROA) | -1.0037% | 6,915 |
| Pretax return on assets | -1.0037% | 6,878 |
| Return on Equity (ROE) | -40.3955% | 7,254 |
| Retained earnings to average equity (ytd only) | -40.3955% | 7,248 |
| Net charge-offs to loans | 3.0125% | 315 |
| Credit loss provision to net charge-offs | 50.1033% | 5,034 |
| Earnings coverage of net charge-offs (x) | -0.2420% | 5,740 |
| Efficiency ratio | 113.7289% | 377 |
| Assets per employee ($millions) | 3.4475% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0069% | 389 |
| Loan loss allowance to noncurrent loans | 24.0657% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 13.5273% | 174 |
| Noncurrent loans to loans | 16.6496% | 97 |
| Net loans and leases to total assets | 57.6095% | 4,563 |
| Net loans and leases to deposits | 71.0134% | 4,138 |
| Net loans and leases to core deposits | 75.8292% | 4,210 |
| Total domestic deposits to total assets | 81.1249% | 5,393 |
| Equity capital to assets | 2.7303% | 7,371 |
| Core capital (leverage) ratio | 2.7185% | 7,363 |
| Tier 1 risk-based capital ratio | 4.7814% | 7,333 |
| Total risk-based capital ratio | 6.0565% | 7,333 |
| Memoranda: | ||
| Average total assets | $268,346,000 | 2,365 |
| Average earning assets | $245,705,000 | 2,348 |
| Average equity | $6,667,250 | 6,007 |
| Average total loans | $171,368,250 | 2,374 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 4,230 |
| Cost of funding earning assets | 1.5916% | 719 |
| Net interest margin | 3.1738% | 6,232 |
| Noninterest income to average assets | 0.4229% | 4,489 |
| Noninterest expense to average assets | 3.4923% | 2,001 |
| Loan and lease loss provision to assets | 1.4048% | 517 |
| Net operating income to assets | -1.5662% | 7,113 |
| Return on assets (ROA) | -1.4243% | 7,086 |
| Pretax return on assets | -1.4243% | 7,039 |
| Return on Equity (ROE) | -59.0513% | 7,372 |
| Retained earnings to average equity (ytd only) | -59.0513% | 7,369 |
| Net charge-offs to loans | 2.8754% | 373 |
| Credit loss provision to net charge-offs | 75.1647% | 3,912 |
| Earnings coverage of net charge-offs (x) | -0.0864% | 5,335 |
| Efficiency ratio | 104.8478% | 591 |
| Assets per employee ($millions) | 3.8282% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3765% | 311 |
| Loan loss allowance to noncurrent loans | 22.6000% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 15.6661% | 130 |
| Noncurrent loans to loans | 19.3648% | 69 |
| Net loans and leases to total assets | 61.1470% | 4,064 |
| Net loans and leases to deposits | 73.0132% | 3,953 |
| Net loans and leases to core deposits | 77.5272% | 4,110 |
| Total domestic deposits to total assets | 83.7479% | 4,450 |
| Equity capital to assets | 2.4960% | 7,451 |
| Core capital (leverage) ratio | 2.5285% | 7,444 |
| Tier 1 risk-based capital ratio | 4.4811% | 7,419 |
| Total risk-based capital ratio | 5.7789% | 7,417 |
| Memoranda: | ||
| Average total assets | $276,204,000 | 2,319 |
| Average earning assets | $253,075,000 | 2,303 |
| Average equity | $6,662,000 | 6,029 |
| Average total loans | $179,525,000 | 2,292 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 3,180 |
| Cost of funding earning assets | 1.5805% | 873 |
| Net interest margin | 3.4018% | 5,426 |
| Noninterest income to average assets | 0.4083% | 4,643 |
| Noninterest expense to average assets | 3.4566% | 2,125 |
| Loan and lease loss provision to assets | 2.7127% | 185 |
| Net operating income to assets | -2.6400% | 7,359 |
| Return on assets (ROA) | -2.5379% | 7,346 |
| Pretax return on assets | -2.5379% | 7,331 |
| Return on Equity (ROE) | -106.8905% | 7,499 |
| Retained earnings to average equity (ytd only) | -106.8905% | 7,494 |
| Net charge-offs to loans | 2.1935% | 557 |
| Credit loss provision to net charge-offs | 188.8997% | 1,559 |
| Earnings coverage of net charge-offs (x) | 0.0506% | 4,550 |
| Efficiency ratio | 97.9398% | 837 |
| Assets per employee ($millions) | 4.1670% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8893% | 215 |
| Loan loss allowance to noncurrent loans | 24.5156% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 16.4403% | 118 |
| Noncurrent loans to loans | 19.9436% | 70 |
| Net loans and leases to total assets | 61.7555% | 3,908 |
| Net loans and leases to deposits | 73.2012% | 3,892 |
| Net loans and leases to core deposits | 77.9472% | 4,026 |
| Total domestic deposits to total assets | 84.3640% | 4,340 |
| Equity capital to assets | 2.1336% | 7,526 |
| Core capital (leverage) ratio | 2.4122% | 7,508 |
| Tier 1 risk-based capital ratio | 4.1423% | 7,487 |
| Total risk-based capital ratio | 5.4489% | 7,487 |
| Memoranda: | ||
| Average total assets | $286,061,000 | 2,261 |
| Average earning assets | $262,449,000 | 2,249 |
| Average equity | $6,792,000 | 5,989 |
| Average total loans | $187,280,500 | 2,218 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 5,570 |
| Cost of funding earning assets | 2.2591% | 245 |
| Net interest margin | 2.5035% | 7,268 |
| Noninterest income to average assets | 0.6003% | 3,476 |
| Noninterest expense to average assets | 3.6161% | 1,888 |
| Loan and lease loss provision to assets | 1.9920% | 663 |
| Net operating income to assets | -2.6922% | 7,226 |
| Return on assets (ROA) | -2.1594% | 7,114 |
| Pretax return on assets | -2.1632% | 7,079 |
| Return on Equity (ROE) | -58.5380% | 7,476 |
| Retained earnings to average equity (ytd only) | -58.5380% | 7,473 |
| Net charge-offs to loans | 2.7544% | 646 |
| Credit loss provision to net charge-offs | 101.8969% | 4,447 |
| Earnings coverage of net charge-offs (x) | -0.3601% | 6,393 |
| Efficiency ratio | 124.1728% | 365 |
| Assets per employee ($millions) | 4.5015% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9890% | 409 |
| Loan loss allowance to noncurrent loans | 20.7854% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 15.2839% | 156 |
| Noncurrent loans to loans | 19.1916% | 79 |
| Net loans and leases to total assets | 63.3359% | 4,000 |
| Net loans and leases to deposits | 75.8183% | 3,872 |
| Net loans and leases to core deposits | 80.3358% | 4,165 |
| Total domestic deposits to total assets | 83.5364% | 4,587 |
| Equity capital to assets | 2.5971% | 7,582 |
| Core capital (leverage) ratio | 2.9082% | 7,564 |
| Tier 1 risk-based capital ratio | 4.7661% | 7,533 |
| Total risk-based capital ratio | 6.0581% | 7,536 |
| Memoranda: | ||
| Average total assets | $315,507,600 | 2,061 |
| Average earning assets | $291,350,200 | 2,036 |
| Average equity | $11,638,600 | 4,708 |
| Average total loans | $223,931,000 | 1,943 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 5,066 |
| Cost of funding earning assets | 2.3325% | 244 |
| Net interest margin | 2.6105% | 7,308 |
| Noninterest income to average assets | 0.6377% | 3,203 |
| Noninterest expense to average assets | 3.5604% | 1,881 |
| Loan and lease loss provision to assets | 2.4887% | 424 |
| Net operating income to assets | -3.0018% | 7,449 |
| Return on assets (ROA) | -2.3062% | 7,321 |
| Pretax return on assets | -2.3062% | 7,274 |
| Return on Equity (ROE) | -58.5017% | 7,599 |
| Retained earnings to average equity (ytd only) | -58.5017% | 7,597 |
| Net charge-offs to loans | 3.1791% | 462 |
| Credit loss provision to net charge-offs | 108.5180% | 3,924 |
| Earnings coverage of net charge-offs (x) | -0.2238% | 6,189 |
| Efficiency ratio | 116.8398% | 425 |
| Assets per employee ($millions) | 4.2983% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7809% | 441 |
| Loan loss allowance to noncurrent loans | 22.9108% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 14.2830% | 177 |
| Noncurrent loans to loans | 16.5025% | 128 |
| Net loans and leases to total assets | 70.1045% | 2,710 |
| Net loans and leases to deposits | 83.2198% | 2,862 |
| Net loans and leases to core deposits | 87.3132% | 3,469 |
| Total domestic deposits to total assets | 84.2402% | 3,984 |
| Equity capital to assets | 3.3613% | 7,676 |
| Core capital (leverage) ratio | 3.1729% | 7,666 |
| Tier 1 risk-based capital ratio | 4.8255% | 7,648 |
| Total risk-based capital ratio | 6.1135% | 7,649 |
| Memoranda: | ||
| Average total assets | $320,110,250 | 2,064 |
| Average earning assets | $295,470,000 | 2,036 |
| Average equity | $12,619,250 | 4,520 |
| Average total loans | $230,917,000 | 1,915 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 4,805 |
| Cost of funding earning assets | 2.4117% | 229 |
| Net interest margin | 2.6182% | 7,334 |
| Noninterest income to average assets | 0.6452% | 3,032 |
| Noninterest expense to average assets | 3.3840% | 2,305 |
| Loan and lease loss provision to assets | 3.0340% | 318 |
| Net operating income to assets | -3.3602% | 7,561 |
| Return on assets (ROA) | -2.7931% | 7,488 |
| Pretax return on assets | -2.7931% | 7,434 |
| Return on Equity (ROE) | -67.8384% | 7,675 |
| Retained earnings to average equity (ytd only) | -67.8384% | 7,673 |
| Net charge-offs to loans | 3.4537% | 432 |
| Credit loss provision to net charge-offs | 122.1458% | 3,312 |
| Earnings coverage of net charge-offs (x) | -0.1314% | 5,827 |
| Efficiency ratio | 110.6701% | 536 |
| Assets per employee ($millions) | 4.4906% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8263% | 427 |
| Loan loss allowance to noncurrent loans | 22.2087% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 14.4216% | 163 |
| Noncurrent loans to loans | 17.2287% | 127 |
| Net loans and leases to total assets | 69.7881% | 2,954 |
| Net loans and leases to deposits | 82.7873% | 3,118 |
| Net loans and leases to core deposits | 86.9452% | 3,707 |
| Total domestic deposits to total assets | 84.2981% | 3,963 |
| Equity capital to assets | 3.6402% | 7,715 |
| Core capital (leverage) ratio | 3.2595% | 7,724 |
| Tier 1 risk-based capital ratio | 5.0630% | 7,697 |
| Total risk-based capital ratio | 6.3526% | 7,696 |
| Memoranda: | ||
| Average total assets | $327,952,670 | 2,023 |
| Average earning assets | $302,190,000 | 2,014 |
| Average equity | $13,502,670 | 4,321 |
| Average total loans | $235,860,000 | 1,900 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 5,124 |
| Cost of funding earning assets | 2.4041% | 302 |
| Net interest margin | 2.5739% | 7,412 |
| Noninterest income to average assets | 0.4795% | 4,203 |
| Noninterest expense to average assets | 2.7109% | 4,851 |
| Loan and lease loss provision to assets | 3.8575% | 231 |
| Net operating income to assets | -3.7139% | 7,695 |
| Return on assets (ROA) | -3.1014% | 7,645 |
| Pretax return on assets | -3.1014% | 7,608 |
| Return on Equity (ROE) | -71.5180% | 7,771 |
| Retained earnings to average equity (ytd only) | -71.5180% | 7,764 |
| Net charge-offs to loans | 3.1669% | 472 |
| Credit loss provision to net charge-offs | 170.0680% | 2,138 |
| Earnings coverage of net charge-offs (x) | 0.0633% | 4,980 |
| Efficiency ratio | 94.9688% | 1,083 |
| Assets per employee ($millions) | 4.7715% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8430% | 423 |
| Loan loss allowance to noncurrent loans | 29.1096% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 11.3717% | 309 |
| Noncurrent loans to loans | 13.2020% | 238 |
| Net loans and leases to total assets | 68.7025% | 3,232 |
| Net loans and leases to deposits | 81.4025% | 3,383 |
| Net loans and leases to core deposits | 91.6098% | 3,155 |
| Total domestic deposits to total assets | 84.3985% | 3,953 |
| Equity capital to assets | 3.9462% | 7,797 |
| Core capital (leverage) ratio | 3.6582% | 7,805 |
| Tier 1 risk-based capital ratio | 5.6517% | 7,766 |
| Total risk-based capital ratio | 6.9396% | 7,767 |
| Memoranda: | ||
| Average total assets | $337,005,000 | 2,029 |
| Average earning assets | $310,966,500 | 2,006 |
| Average equity | $14,614,500 | 4,093 |
| Average total loans | $241,370,000 | 1,913 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5680% | 3,764 |
| Cost of funding earning assets | 2.6519% | 667 |
| Net interest margin | 2.9161% | 6,830 |
| Noninterest income to average assets | 0.6722% | 3,140 |
| Noninterest expense to average assets | 3.1010% | 3,740 |
| Loan and lease loss provision to assets | 5.3607% | 160 |
| Net operating income to assets | -4.7442% | 7,706 |
| Return on assets (ROA) | -4.5130% | 7,679 |
| Pretax return on assets | -4.8848% | 7,687 |
| Return on Equity (ROE) | -57.4133% | 7,743 |
| Retained earnings to average equity (ytd only) | -60.5849% | 7,753 |
| Net charge-offs to loans | 5.0251% | 258 |
| Credit loss provision to net charge-offs | 140.0936% | 3,477 |
| Earnings coverage of net charge-offs (x) | 0.0587% | 6,111 |
| Efficiency ratio | 92.3018% | 1,541 |
| Assets per employee ($millions) | 5.0703% | 2,124 |
| Cash dividends to net income (ytd only)* | -5.5241% | 7,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1114% | 708 |
| Loan loss allowance to noncurrent loans | 25.2136% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 10.0450% | 367 |
| Noncurrent loans to loans | 12.3401% | 267 |
| Net loans and leases to total assets | 69.5544% | 3,347 |
| Net loans and leases to deposits | 82.9358% | 3,464 |
| Net loans and leases to core deposits | 99.5293% | 4,048 |
| Total domestic deposits to total assets | 83.8653% | 4,094 |
| Equity capital to assets | 4.7094% | 7,807 |
| Core capital (leverage) ratio | 4.4930% | 7,810 |
| Tier 1 risk-based capital ratio | 6.2426% | 7,804 |
| Total risk-based capital ratio | 7.5177% | 7,806 |
| Memoranda: | ||
| Average total assets | $312,871,600 | 2,147 |
| Average earning assets | $284,697,600 | 2,162 |
| Average equity | $24,593,600 | 2,653 |
| Average total loans | $238,242,400 | 1,968 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7434% | 3,120 |
| Cost of funding earning assets | 2.6883% | 812 |
| Net interest margin | 3.0551% | 6,445 |
| Noninterest income to average assets | 0.7045% | 2,989 |
| Noninterest expense to average assets | 2.8083% | 4,862 |
| Loan and lease loss provision to assets | 4.8177% | 187 |
| Net operating income to assets | -2.6606% | 7,502 |
| Return on assets (ROA) | -2.4484% | 7,450 |
| Pretax return on assets | -3.8220% | 7,663 |
| Return on Equity (ROE) | -27.9774% | 7,563 |
| Retained earnings to average equity (ytd only) | -31.8750% | 7,628 |
| Net charge-offs to loans | 2.7709% | 639 |
| Credit loss provision to net charge-offs | 224.6992% | 1,948 |
| Earnings coverage of net charge-offs (x) | 0.3098% | 5,712 |
| Efficiency ratio | 80.8714% | 2,726 |
| Assets per employee ($millions) | 4.9938% | 2,152 |
| Cash dividends to net income (ytd only)* | -13.9310% | 7,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4580% | 436 |
| Loan loss allowance to noncurrent loans | 25.7461% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 11.4321% | 258 |
| Noncurrent loans to loans | 13.4313% | 204 |
| Net loans and leases to total assets | 73.0415% | 2,780 |
| Net loans and leases to deposits | 89.6699% | 2,635 |
| Net loans and leases to core deposits | 109.9605% | 3,242 |
| Total domestic deposits to total assets | 81.4559% | 4,894 |
| Equity capital to assets | 7.2809% | 7,437 |
| Core capital (leverage) ratio | 7.0612% | 7,391 |
| Tier 1 risk-based capital ratio | 8.7478% | 7,702 |
| Total risk-based capital ratio | 10.0227% | 7,725 |
| Memoranda: | ||
| Average total assets | $304,894,750 | 2,200 |
| Average earning assets | $276,253,000 | 2,222 |
| Average equity | $26,682,750 | 2,492 |
| Average total loans | $235,925,500 | 2,012 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6878% | 3,614 |
| Cost of funding earning assets | 2.6723% | 1,104 |
| Net interest margin | 3.0154% | 6,503 |
| Noninterest income to average assets | 0.7563% | 2,669 |
| Noninterest expense to average assets | 3.0404% | 3,916 |
| Loan and lease loss provision to assets | 4.8000% | 225 |
| Net operating income to assets | -2.8000% | 7,631 |
| Return on assets (ROA) | -2.5584% | 7,565 |
| Pretax return on assets | -3.9641% | 7,741 |
| Return on Equity (ROE) | -27.4194% | 7,673 |
| Retained earnings to average equity (ytd only) | -33.1517% | 7,733 |
| Net charge-offs to loans | 1.5347% | 1,237 |
| Credit loss provision to net charge-offs | 400.6869% | 1,151 |
| Earnings coverage of net charge-offs (x) | 0.3875% | 5,301 |
| Efficiency ratio | 86.7541% | 2,150 |
| Assets per employee ($millions) | 4.9635% | 2,123 |
| Cash dividends to net income (ytd only)* | -20.9059% | 7,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2945% | 450 |
| Loan loss allowance to noncurrent loans | 28.0495% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 10.2485% | 272 |
| Noncurrent loans to loans | 11.7453% | 240 |
| Net loans and leases to total assets | 75.3464% | 2,357 |
| Net loans and leases to deposits | 95.4487% | 1,882 |
| Net loans and leases to core deposits | 121.5234% | 2,238 |
| Total domestic deposits to total assets | 78.9392% | 5,829 |
| Equity capital to assets | 8.1809% | 6,521 |
| Core capital (leverage) ratio | 8.6869% | 5,115 |
| Tier 1 risk-based capital ratio | 10.3838% | 6,496 |
| Total risk-based capital ratio | 11.6584% | 6,412 |
| Memoranda: | ||
| Average total assets | $291,668,330 | 2,306 |
| Average earning assets | $265,834,330 | 2,303 |
| Average equity | $27,214,330 | 2,456 |
| Average total loans | $227,668,330 | 2,099 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3372% | 1,199 |
| Cost of funding earning assets | 2.7729% | 1,049 |
| Net interest margin | 3.5643% | 4,469 |
| Noninterest income to average assets | 0.8024% | 2,307 |
| Noninterest expense to average assets | 3.2181% | 2,903 |
| Loan and lease loss provision to assets | 0.5899% | 2,135 |
| Net operating income to assets | 0.1708% | 5,752 |
| Return on assets (ROA) | 0.6287% | 4,072 |
| Pretax return on assets | 0.8670% | 3,838 |
| Return on Equity (ROE) | 6.2959% | 3,905 |
| Retained earnings to average equity (ytd only) | 0.8337% | 5,328 |
| Net charge-offs to loans | -0.0514% | 7,702 |
| Credit loss provision to net charge-offs | -1,467.8571% | 6,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5035% | 2,909 |
| Assets per employee ($millions) | 4.3558% | 2,966 |
| Cash dividends to net income (ytd only)* | 86.7580% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 3,008 |
| Loan loss allowance to noncurrent loans | 65.4389% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 2.7176% | 2,091 |
| Noncurrent loans to loans | 2.2886% | 2,871 |
| Net loans and leases to total assets | 78.8007% | 1,626 |
| Net loans and leases to deposits | 105.7258% | 890 |
| Net loans and leases to core deposits | 139.5090% | 1,126 |
| Total domestic deposits to total assets | 74.5330% | 6,797 |
| Equity capital to assets | 11.1119% | 2,880 |
| Core capital (leverage) ratio | 10.9718% | 2,520 |
| Tier 1 risk-based capital ratio | 13.6472% | 3,768 |
| Total risk-based capital ratio | 14.8960% | 3,693 |
| Memoranda: | ||
| Average total assets | $278,669,500 | 2,393 |
| Average earning assets | $253,741,500 | 2,419 |
| Average equity | $27,827,500 | 2,429 |
| Average total loans | $217,750,500 | 2,195 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7122% | 1,986 |
| Cost of funding earning assets | 3.3035% | 918 |
| Net interest margin | 3.4087% | 5,626 |
| Noninterest income to average assets | 0.7186% | 3,001 |
| Noninterest expense to average assets | 2.6389% | 5,495 |
| Loan and lease loss provision to assets | 0.9600% | 1,534 |
| Net operating income to assets | 0.2119% | 5,811 |
| Return on assets (ROA) | 0.2702% | 5,459 |
| Pretax return on assets | 0.3318% | 5,437 |
| Return on Equity (ROE) | 3.1517% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.1517% | 3,192 |
| Net charge-offs to loans | 0.9450% | 1,306 |
| Credit loss provision to net charge-offs | 129.4388% | 4,117 |
| Earnings coverage of net charge-offs (x) | 1.6449% | 5,264 |
| Efficiency ratio | 68.3860% | 4,656 |
| Assets per employee ($millions) | 4.9744% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 3,392 |
| Loan loss allowance to noncurrent loans | 99.8279% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 2.7746% | 1,699 |
| Noncurrent loans to loans | 1.3676% | 3,785 |
| Net loans and leases to total assets | 75.2371% | 2,824 |
| Net loans and leases to deposits | 98.7184% | 2,023 |
| Net loans and leases to core deposits | 129.6087% | 1,877 |
| Total domestic deposits to total assets | 76.2139% | 6,190 |
| Equity capital to assets | 8.8589% | 5,552 |
| Core capital (leverage) ratio | 8.7815% | 5,066 |
| Tier 1 risk-based capital ratio | 11.3263% | 5,411 |
| Total risk-based capital ratio | 12.5774% | 5,313 |
| Memoranda: | ||
| Average total assets | $264,281,400 | 2,422 |
| Average earning assets | $243,467,000 | 2,421 |
| Average equity | $22,654,400 | 2,887 |
| Average total loans | $207,404,600 | 2,227 |