Home > Citizens First Bank > Performance and Condition Ratios
Citizens First Bank, Performance and Condition Ratios
| 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 | 5.6268% | 469 |
| Cost of funding earning assets | 0.8747% | 2,343 |
| Net interest margin | 4.7520% | 452 |
| Noninterest income to average assets | 0.9762% | 983 |
| Noninterest expense to average assets | 4.1743% | 426 |
| Loan and lease loss provision to assets | 0.1136% | 1,712 |
| Net operating income to assets | 0.7300% | 3,913 |
| Return on assets (ROA) | 0.7300% | 3,980 |
| Pretax return on assets | 0.7694% | 4,196 |
| Return on Equity (ROE) | 5.7944% | 4,107 |
| Retained earnings to average equity (ytd only) | -10.7353% | 5,149 |
| Net charge-offs to loans | 0.1204% | 1,296 |
| Credit loss provision to net charge-offs | 151.5152% | 1,619 |
| Earnings coverage of net charge-offs (x) | 11.7775% | 2,418 |
| Efficiency ratio | 80.3534% | 893 |
| Assets per employee ($millions) | 2.9229% | 4,927 |
| Cash dividends to net income (ytd only)* | 285.2704% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1406% | 5,175 |
| Loan loss allowance to noncurrent loans | 19.6850% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 1,797 |
| Noncurrent loans to loans | 0.7140% | 2,177 |
| Net loans and leases to total assets | 58.8080% | 3,796 |
| Net loans and leases to deposits | 68.8127% | 3,856 |
| Net loans and leases to core deposits | 70.2117% | 4,048 |
| Total domestic deposits to total assets | 85.4609% | 2,231 |
| Equity capital to assets | 13.5922% | 1,319 |
| Core capital (leverage) ratio | 10.7176% | 2,923 |
| Tier 1 risk-based capital ratio | 17.4557% | 1,954 |
| Total risk-based capital ratio | 17.5953% | 2,252 |
| Memoranda: | ||
| Average total assets | $176,056,750 | 3,093 |
| Average earning assets | $151,202,250 | 3,201 |
| Average equity | $22,181,750 | 2,967 |
| Average total loans | $109,628,500 | 3,131 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6135% | 463 |
| Cost of funding earning assets | 0.8632% | 2,331 |
| Net interest margin | 4.7503% | 448 |
| Noninterest income to average assets | 1.0681% | 750 |
| Noninterest expense to average assets | 4.3514% | 351 |
| Loan and lease loss provision to assets | 0.0860% | 2,126 |
| Net operating income to assets | 0.6746% | 4,084 |
| Return on assets (ROA) | 0.6746% | 4,138 |
| Pretax return on assets | 0.7090% | 4,309 |
| Return on Equity (ROE) | 5.5043% | 4,202 |
| Retained earnings to average equity (ytd only) | -20.2387% | 5,251 |
| Net charge-offs to loans | 0.1790% | 916 |
| Credit loss provision to net charge-offs | 75.7576% | 2,264 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,529 |
| Efficiency ratio | 82.6794% | 755 |
| Assets per employee ($millions) | 2.6222% | 5,088 |
| Cash dividends to net income (ytd only)* | 467.6871% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0695% | 5,241 |
| Loan loss allowance to noncurrent loans | 8.7311% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8522% | 1,652 |
| Noncurrent loans to loans | 0.7964% | 2,002 |
| Net loans and leases to total assets | 59.5739% | 3,775 |
| Net loans and leases to deposits | 69.4550% | 3,884 |
| Net loans and leases to core deposits | 70.9887% | 4,062 |
| Total domestic deposits to total assets | 85.7733% | 2,145 |
| Equity capital to assets | 13.3816% | 1,382 |
| Core capital (leverage) ratio | 10.5015% | 3,086 |
| Tier 1 risk-based capital ratio | 16.4926% | 2,234 |
| Total risk-based capital ratio | 16.5601% | 2,640 |
| Memoranda: | ||
| Average total assets | $174,335,000 | 3,117 |
| Average earning assets | $149,675,670 | 3,224 |
| Average equity | $21,365,000 | 3,029 |
| Average total loans | $110,597,000 | 3,125 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5390% | 487 |
| Cost of funding earning assets | 0.8463% | 2,291 |
| Net interest margin | 4.6926% | 507 |
| Noninterest income to average assets | 0.9495% | 917 |
| Noninterest expense to average assets | 4.3734% | 345 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6057% | 4,223 |
| Return on assets (ROA) | 0.6057% | 4,263 |
| Pretax return on assets | 0.6478% | 4,424 |
| Return on Equity (ROE) | 5.1952% | 4,268 |
| Retained earnings to average equity (ytd only) | -44.9515% | 5,328 |
| Net charge-offs to loans | 0.3537% | 440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.7980% | 2,457 |
| Efficiency ratio | 86.1202% | 576 |
| Assets per employee ($millions) | 2.1483% | 5,253 |
| Cash dividends to net income (ytd only)* | 965.2510% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 1,215 |
| Noncurrent loans to loans | 0.9890% | 1,695 |
| Net loans and leases to total assets | 60.7981% | 3,629 |
| Net loans and leases to deposits | 70.7144% | 3,718 |
| Net loans and leases to core deposits | 72.2731% | 3,924 |
| Total domestic deposits to total assets | 85.9770% | 2,289 |
| Equity capital to assets | 13.2505% | 1,315 |
| Core capital (leverage) ratio | 11.2393% | 2,350 |
| Tier 1 risk-based capital ratio | 15.9729% | 2,452 |
| Total risk-based capital ratio | 15.9729% | 2,930 |
| Memoranda: | ||
| Average total assets | $171,035,000 | 3,183 |
| Average earning assets | $148,402,500 | 3,284 |
| Average equity | $19,941,500 | 3,163 |
| Average total loans | $111,963,000 | 3,136 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4208% | 470 |
| Cost of funding earning assets | 0.6229% | 2,568 |
| Net interest margin | 4.7979% | 399 |
| Noninterest income to average assets | 1.0347% | 879 |
| Noninterest expense to average assets | 4.0945% | 474 |
| Loan and lease loss provision to assets | -0.1706% | 5,314 |
| Net operating income to assets | 1.0846% | 2,660 |
| Return on assets (ROA) | 1.0846% | 2,655 |
| Pretax return on assets | 1.4173% | 2,078 |
| Return on Equity (ROE) | 12.0987% | 1,683 |
| Retained earnings to average equity (ytd only) | 12.0987% | 314 |
| Net charge-offs to loans | -0.5748% | 5,348 |
| Credit loss provision to net charge-offs | 43.1611% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6584% | 1,276 |
| Assets per employee ($millions) | 2.2447% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,169 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.2709% | 1,008 |
| Noncurrent loans to loans | 0.8764% | 1,838 |
| Net loans and leases to total assets | 69.7687% | 2,598 |
| Net loans and leases to deposits | 78.1197% | 3,152 |
| Net loans and leases to core deposits | 80.1128% | 3,420 |
| Total domestic deposits to total assets | 89.3099% | 730 |
| Equity capital to assets | 9.8826% | 3,776 |
| Core capital (leverage) ratio | 9.9048% | 3,690 |
| Tier 1 risk-based capital ratio | 14.7040% | 2,964 |
| Total risk-based capital ratio | 15.9549% | 2,892 |
| Memoranda: | ||
| Average total assets | $166,516,200 | 3,203 |
| Average earning assets | $149,461,800 | 3,248 |
| Average equity | $14,927,200 | 3,649 |
| Average total loans | $114,479,000 | 3,069 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3541% | 470 |
| Cost of funding earning assets | 0.5835% | 2,599 |
| Net interest margin | 4.7706% | 393 |
| Noninterest income to average assets | 0.9975% | 965 |
| Noninterest expense to average assets | 3.9004% | 595 |
| Loan and lease loss provision to assets | 0.1717% | 1,080 |
| Net operating income to assets | 0.8926% | 3,571 |
| Return on assets (ROA) | 0.8926% | 3,571 |
| Pretax return on assets | 1.2082% | 2,958 |
| Return on Equity (ROE) | 10.2093% | 2,527 |
| Retained earnings to average equity (ytd only) | 10.2093% | 855 |
| Net charge-offs to loans | -0.8625% | 5,428 |
| Credit loss provision to net charge-offs | -29.1498% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8672% | 1,614 |
| Assets per employee ($millions) | 2.3021% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 756 |
| Loan loss allowance to noncurrent loans | 221.1497% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.1511% | 1,237 |
| Noncurrent loans to loans | 0.8045% | 2,099 |
| Net loans and leases to total assets | 67.9157% | 2,956 |
| Net loans and leases to deposits | 75.5980% | 3,446 |
| Net loans and leases to core deposits | 77.1973% | 3,721 |
| Total domestic deposits to total assets | 89.8380% | 563 |
| Equity capital to assets | 9.1220% | 4,441 |
| Core capital (leverage) ratio | 9.4577% | 4,226 |
| Tier 1 risk-based capital ratio | 14.2000% | 3,273 |
| Total risk-based capital ratio | 15.4573% | 3,181 |
| Memoranda: | ||
| Average total assets | $167,741,000 | 3,218 |
| Average earning assets | $150,586,250 | 3,265 |
| Average equity | $14,666,000 | 3,701 |
| Average total loans | $114,545,250 | 3,091 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2999% | 471 |
| Cost of funding earning assets | 0.5802% | 2,360 |
| Net interest margin | 4.7197% | 415 |
| Noninterest income to average assets | 0.9881% | 979 |
| Noninterest expense to average assets | 3.9726% | 553 |
| Loan and lease loss provision to assets | 0.2126% | 785 |
| Net operating income to assets | 0.7636% | 3,981 |
| Return on assets (ROA) | 0.7636% | 3,987 |
| Pretax return on assets | 1.0344% | 3,553 |
| Return on Equity (ROE) | 8.8600% | 3,088 |
| Retained earnings to average equity (ytd only) | 8.8600% | 1,263 |
| Net charge-offs to loans | 0.2724% | 584 |
| Credit loss provision to net charge-offs | 114.7436% | 1,840 |
| Earnings coverage of net charge-offs (x) | 6.7308% | 2,599 |
| Efficiency ratio | 76.1092% | 1,411 |
| Assets per employee ($millions) | 2.5040% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,980 |
| Loan loss allowance to noncurrent loans | 179.6748% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 1.0293% | 1,459 |
| Noncurrent loans to loans | 0.5432% | 2,788 |
| Net loans and leases to total assets | 67.8331% | 2,895 |
| Net loans and leases to deposits | 75.2339% | 3,422 |
| Net loans and leases to core deposits | 76.8223% | 3,677 |
| Total domestic deposits to total assets | 90.1630% | 519 |
| Equity capital to assets | 8.9155% | 4,623 |
| Core capital (leverage) ratio | 8.9745% | 4,711 |
| Tier 1 risk-based capital ratio | 13.7685% | 3,470 |
| Total risk-based capital ratio | 14.7749% | 3,510 |
| Memoranda: | ||
| Average total assets | $168,403,330 | 3,232 |
| Average earning assets | $150,985,000 | 3,283 |
| Average equity | $14,514,670 | 3,746 |
| Average total loans | $114,523,000 | 3,099 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2374% | 459 |
| Cost of funding earning assets | 0.5738% | 2,226 |
| Net interest margin | 4.6637% | 434 |
| Noninterest income to average assets | 0.9696% | 980 |
| Noninterest expense to average assets | 3.7724% | 696 |
| Loan and lease loss provision to assets | 0.2447% | 613 |
| Net operating income to assets | 0.8284% | 3,599 |
| Return on assets (ROA) | 0.8284% | 3,610 |
| Pretax return on assets | 1.1225% | 3,083 |
| Return on Equity (ROE) | 9.7744% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.7744% | 1,231 |
| Net charge-offs to loans | -0.0208% | 4,580 |
| Credit loss provision to net charge-offs | -1,733.3333% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3974% | 1,982 |
| Assets per employee ($millions) | 2.5215% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,767 |
| Loan loss allowance to noncurrent loans | 113.7405% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3659% | 1,074 |
| Noncurrent loans to loans | 0.9078% | 2,003 |
| Net loans and leases to total assets | 66.6365% | 2,947 |
| Net loans and leases to deposits | 75.0527% | 3,312 |
| Net loans and leases to core deposits | 76.9648% | 3,581 |
| Total domestic deposits to total assets | 88.7863% | 1,214 |
| Equity capital to assets | 8.4480% | 5,016 |
| Core capital (leverage) ratio | 8.7670% | 4,932 |
| Tier 1 risk-based capital ratio | 13.2710% | 3,796 |
| Total risk-based capital ratio | 14.3380% | 3,813 |
| Memoranda: | ||
| Average total assets | $169,973,500 | 3,249 |
| Average earning assets | $151,982,500 | 3,300 |
| Average equity | $14,405,000 | 3,787 |
| Average total loans | $115,180,500 | 3,119 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 403 |
| Cost of funding earning assets | 0.5906% | 1,668 |
| Net interest margin | 4.6575% | 448 |
| Noninterest income to average assets | 1.0375% | 944 |
| Noninterest expense to average assets | 3.6721% | 825 |
| Loan and lease loss provision to assets | 0.1078% | 2,084 |
| Net operating income to assets | 0.7967% | 3,173 |
| Return on assets (ROA) | 0.7967% | 3,215 |
| Pretax return on assets | 1.3772% | 2,064 |
| Return on Equity (ROE) | 9.2141% | 2,205 |
| Retained earnings to average equity (ytd only) | 3.3254% | 3,305 |
| Net charge-offs to loans | 0.2188% | 1,189 |
| Credit loss provision to net charge-offs | 71.1462% | 3,077 |
| Earnings coverage of net charge-offs (x) | 9.7984% | 2,748 |
| Efficiency ratio | 71.2046% | 2,356 |
| Assets per employee ($millions) | 2.4778% | 5,467 |
| Cash dividends to net income (ytd only)* | 63.9098% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 4,265 |
| Loan loss allowance to noncurrent loans | 84.5973% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 834 |
| Noncurrent loans to loans | 1.1130% | 1,586 |
| Net loans and leases to total assets | 67.5613% | 2,881 |
| Net loans and leases to deposits | 76.1464% | 3,317 |
| Net loans and leases to core deposits | 77.9858% | 3,583 |
| Total domestic deposits to total assets | 88.7255% | 1,132 |
| Equity capital to assets | 8.5021% | 5,122 |
| Core capital (leverage) ratio | 8.5504% | 5,094 |
| Tier 1 risk-based capital ratio | 12.8134% | 4,026 |
| Total risk-based capital ratio | 13.7712% | 4,093 |
| Memoranda: | ||
| Average total assets | $166,936,000 | 3,278 |
| Average earning assets | $147,654,000 | 3,353 |
| Average equity | $14,434,400 | 3,790 |
| Average total loans | $115,620,000 | 3,114 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2354% | 394 |
| Cost of funding earning assets | 0.5926% | 1,582 |
| Net interest margin | 4.6428% | 456 |
| Noninterest income to average assets | 1.0479% | 931 |
| Noninterest expense to average assets | 3.6041% | 867 |
| Loan and lease loss provision to assets | 0.1081% | 1,971 |
| Net operating income to assets | 0.8838% | 3,113 |
| Return on assets (ROA) | 0.8838% | 3,159 |
| Pretax return on assets | 1.4314% | 2,009 |
| Return on Equity (ROE) | 10.1783% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.1783% | 548 |
| Net charge-offs to loans | 0.1117% | 1,670 |
| Credit loss provision to net charge-offs | 139.1753% | 1,786 |
| Earnings coverage of net charge-offs (x) | 19.8248% | 1,982 |
| Efficiency ratio | 70.0700% | 2,521 |
| Assets per employee ($millions) | 2.4931% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,923 |
| Loan loss allowance to noncurrent loans | 72.6996% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.7053% | 844 |
| Noncurrent loans to loans | 1.4121% | 1,321 |
| Net loans and leases to total assets | 67.8424% | 2,862 |
| Net loans and leases to deposits | 76.9358% | 3,277 |
| Net loans and leases to core deposits | 78.9484% | 3,541 |
| Total domestic deposits to total assets | 88.1805% | 1,270 |
| Equity capital to assets | 8.8944% | 5,001 |
| Core capital (leverage) ratio | 8.9791% | 4,765 |
| Tier 1 risk-based capital ratio | 13.1943% | 3,879 |
| Total risk-based capital ratio | 14.2386% | 3,923 |
| Memoranda: | ||
| Average total assets | $166,548,250 | 3,307 |
| Average earning assets | $146,919,750 | 3,388 |
| Average equity | $14,461,750 | 3,823 |
| Average total loans | $115,796,500 | 3,139 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1629% | 423 |
| Cost of funding earning assets | 0.5886% | 1,521 |
| Net interest margin | 4.5743% | 500 |
| Noninterest income to average assets | 1.0546% | 909 |
| Noninterest expense to average assets | 3.7571% | 711 |
| Loan and lease loss provision to assets | 0.1087% | 1,875 |
| Net operating income to assets | 0.7744% | 3,523 |
| Return on assets (ROA) | 0.7744% | 3,573 |
| Pretax return on assets | 1.2540% | 2,562 |
| Return on Equity (ROE) | 8.9927% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.9927% | 843 |
| Net charge-offs to loans | 0.0571% | 2,117 |
| Credit loss provision to net charge-offs | 272.7273% | 1,023 |
| Earnings coverage of net charge-offs (x) | 34.1818% | 1,372 |
| Efficiency ratio | 73.3837% | 2,109 |
| Assets per employee ($millions) | 2.5564% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,890 |
| Loan loss allowance to noncurrent loans | 134.0708% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3104% | 1,256 |
| Noncurrent loans to loans | 0.7775% | 2,460 |
| Net loans and leases to total assets | 68.1889% | 2,786 |
| Net loans and leases to deposits | 77.0882% | 3,207 |
| Net loans and leases to core deposits | 79.1044% | 3,498 |
| Total domestic deposits to total assets | 88.4557% | 1,227 |
| Equity capital to assets | 8.6905% | 5,152 |
| Core capital (leverage) ratio | 8.8088% | 4,941 |
| Tier 1 risk-based capital ratio | 12.9289% | 4,046 |
| Total risk-based capital ratio | 14.0014% | 4,059 |
| Memoranda: | ||
| Average total assets | $165,553,000 | 3,334 |
| Average earning assets | $147,125,670 | 3,401 |
| Average equity | $14,256,000 | 3,861 |
| Average total loans | $115,659,000 | 3,148 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 411 |
| Cost of funding earning assets | 0.5845% | 1,484 |
| Net interest margin | 4.5662% | 461 |
| Noninterest income to average assets | 1.0246% | 955 |
| Noninterest expense to average assets | 3.5666% | 947 |
| Loan and lease loss provision to assets | 0.1098% | 1,744 |
| Net operating income to assets | 0.8685% | 2,908 |
| Return on assets (ROA) | 0.8685% | 2,962 |
| Pretax return on assets | 1.4076% | 1,863 |
| Return on Equity (ROE) | 10.1334% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.1334% | 783 |
| Net charge-offs to loans | 0.0520% | 1,822 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 41.4667% | 1,013 |
| Efficiency ratio | 70.1536% | 2,860 |
| Assets per employee ($millions) | 2.5287% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,124 |
| Loan loss allowance to noncurrent loans | 120.3046% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 1,130 |
| Noncurrent loans to loans | 0.8529% | 2,326 |
| Net loans and leases to total assets | 68.4889% | 2,607 |
| Net loans and leases to deposits | 77.3592% | 3,045 |
| Net loans and leases to core deposits | 79.5731% | 3,331 |
| Total domestic deposits to total assets | 88.5336% | 1,406 |
| Equity capital to assets | 8.5490% | 5,203 |
| Core capital (leverage) ratio | 8.7913% | 4,964 |
| Tier 1 risk-based capital ratio | 12.7401% | 4,233 |
| Total risk-based capital ratio | 13.7939% | 4,267 |
| Memoranda: | ||
| Average total assets | $163,967,500 | 3,384 |
| Average earning assets | $145,766,000 | 3,453 |
| Average equity | $14,052,500 | 3,914 |
| Average total loans | $115,357,000 | 3,178 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 408 |
| Cost of funding earning assets | 0.6008% | 1,324 |
| Net interest margin | 4.6084% | 505 |
| Noninterest income to average assets | 0.9068% | 1,392 |
| Noninterest expense to average assets | 3.8975% | 692 |
| Loan and lease loss provision to assets | 0.1780% | 1,354 |
| Net operating income to assets | 0.5989% | 4,208 |
| Return on assets (ROA) | 0.5989% | 4,321 |
| Pretax return on assets | 0.9074% | 3,828 |
| Return on Equity (ROE) | 6.7313% | 3,628 |
| Retained earnings to average equity (ytd only) | -0.4633% | 5,374 |
| Net charge-offs to loans | 0.3030% | 909 |
| Credit loss provision to net charge-offs | 80.7365% | 2,961 |
| Earnings coverage of net charge-offs (x) | 4.9235% | 3,420 |
| Efficiency ratio | 78.2178% | 1,664 |
| Assets per employee ($millions) | 2.4775% | 5,669 |
| Cash dividends to net income (ytd only)* | 106.8822% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 4,310 |
| Loan loss allowance to noncurrent loans | 129.1946% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.5369% | 1,061 |
| Noncurrent loans to loans | 0.7759% | 2,584 |
| Net loans and leases to total assets | 70.8330% | 2,366 |
| Net loans and leases to deposits | 79.9725% | 2,888 |
| Net loans and leases to core deposits | 81.9813% | 3,212 |
| Total domestic deposits to total assets | 88.5716% | 1,340 |
| Equity capital to assets | 8.5924% | 5,197 |
| Core capital (leverage) ratio | 8.7135% | 5,060 |
| Tier 1 risk-based capital ratio | 12.6196% | 4,311 |
| Total risk-based capital ratio | 13.6628% | 4,319 |
| Memoranda: | ||
| Average total assets | $160,127,000 | 3,394 |
| Average earning assets | $141,634,000 | 3,477 |
| Average equity | $14,246,800 | 3,913 |
| Average total loans | $116,520,400 | 3,120 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 404 |
| Cost of funding earning assets | 0.6008% | 1,324 |
| Net interest margin | 4.6350% | 475 |
| Noninterest income to average assets | 0.8138% | 1,703 |
| Noninterest expense to average assets | 3.8382% | 725 |
| Loan and lease loss provision to assets | 0.1126% | 2,047 |
| Net operating income to assets | 0.5887% | 4,338 |
| Return on assets (ROA) | 0.5887% | 4,443 |
| Pretax return on assets | 0.9547% | 3,792 |
| Return on Equity (ROE) | 6.5600% | 3,801 |
| Retained earnings to average equity (ytd only) | 4.7016% | 3,015 |
| Net charge-offs to loans | 0.2225% | 1,054 |
| Credit loss provision to net charge-offs | 69.2308% | 2,805 |
| Earnings coverage of net charge-offs (x) | 6.5642% | 2,989 |
| Efficiency ratio | 78.2424% | 1,653 |
| Assets per employee ($millions) | 2.6687% | 5,624 |
| Cash dividends to net income (ytd only)* | 28.3286% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 4,363 |
| Loan loss allowance to noncurrent loans | 92.2284% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.8607% | 872 |
| Noncurrent loans to loans | 1.0916% | 2,073 |
| Net loans and leases to total assets | 70.2457% | 2,456 |
| Net loans and leases to deposits | 79.9146% | 2,977 |
| Net loans and leases to core deposits | 81.7385% | 3,304 |
| Total domestic deposits to total assets | 87.9010% | 1,447 |
| Equity capital to assets | 9.0239% | 5,154 |
| Core capital (leverage) ratio | 9.1136% | 4,702 |
| Tier 1 risk-based capital ratio | 12.9986% | 4,163 |
| Total risk-based capital ratio | 14.0381% | 4,196 |
| Memoranda: | ||
| Average total assets | $159,899,250 | 3,413 |
| Average earning assets | $141,153,500 | 3,501 |
| Average equity | $14,349,250 | 3,931 |
| Average total loans | $116,844,750 | 3,121 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 407 |
| Cost of funding earning assets | 0.6069% | 1,268 |
| Net interest margin | 4.6214% | 488 |
| Noninterest income to average assets | 0.8079% | 1,679 |
| Noninterest expense to average assets | 3.8657% | 702 |
| Loan and lease loss provision to assets | 0.1510% | 1,515 |
| Net operating income to assets | 0.5386% | 4,527 |
| Return on assets (ROA) | 0.5386% | 4,637 |
| Pretax return on assets | 0.8733% | 4,045 |
| Return on Equity (ROE) | 6.0131% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.2032% | 3,858 |
| Net charge-offs to loans | 0.3052% | 778 |
| Credit loss provision to net charge-offs | 67.0391% | 2,507 |
| Earnings coverage of net charge-offs (x) | 4.5475% | 2,976 |
| Efficiency ratio | 79.0530% | 1,629 |
| Assets per employee ($millions) | 2.5240% | 5,771 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 4,467 |
| Loan loss allowance to noncurrent loans | 151.5625% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.8194% | 942 |
| Noncurrent loans to loans | 0.6656% | 3,074 |
| Net loans and leases to total assets | 71.8280% | 2,201 |
| Net loans and leases to deposits | 81.6536% | 2,746 |
| Net loans and leases to core deposits | 83.5581% | 3,122 |
| Total domestic deposits to total assets | 87.9667% | 1,448 |
| Equity capital to assets | 9.0724% | 5,189 |
| Core capital (leverage) ratio | 8.9367% | 4,898 |
| Tier 1 risk-based capital ratio | 12.8214% | 4,298 |
| Total risk-based capital ratio | 13.8675% | 4,339 |
| Memoranda: | ||
| Average total assets | $158,935,670 | 3,445 |
| Average earning assets | $140,391,330 | 3,537 |
| Average equity | $14,235,670 | 3,967 |
| Average total loans | $117,287,670 | 3,123 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 372 |
| Cost of funding earning assets | 0.6257% | 1,176 |
| Net interest margin | 4.6458% | 464 |
| Noninterest income to average assets | 0.8005% | 1,613 |
| Noninterest expense to average assets | 3.8792% | 704 |
| Loan and lease loss provision to assets | 0.2266% | 822 |
| Net operating income to assets | 0.4858% | 4,687 |
| Return on assets (ROA) | 0.4858% | 4,785 |
| Pretax return on assets | 0.7879% | 4,233 |
| Return on Equity (ROE) | 5.4595% | 4,250 |
| Retained earnings to average equity (ytd only) | -0.1980% | 5,138 |
| Net charge-offs to loans | 0.2097% | 957 |
| Credit loss provision to net charge-offs | 145.1613% | 1,298 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,240 |
| Efficiency ratio | 79.2695% | 1,705 |
| Assets per employee ($millions) | 2.4644% | 5,865 |
| Cash dividends to net income (ytd only)* | 103.6269% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 4,246 |
| Loan loss allowance to noncurrent loans | 111.5968% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 2.0170% | 853 |
| Noncurrent loans to loans | 0.9563% | 2,464 |
| Net loans and leases to total assets | 72.3951% | 1,967 |
| Net loans and leases to deposits | 82.0520% | 2,538 |
| Net loans and leases to core deposits | 83.3662% | 2,998 |
| Total domestic deposits to total assets | 88.2308% | 1,514 |
| Equity capital to assets | 8.8446% | 5,304 |
| Core capital (leverage) ratio | 8.8071% | 5,069 |
| Tier 1 risk-based capital ratio | 12.4928% | 4,578 |
| Total risk-based capital ratio | 13.6067% | 4,584 |
| Memoranda: | ||
| Average total assets | $158,899,000 | 3,465 |
| Average earning assets | $139,996,000 | 3,561 |
| Average equity | $14,140,500 | 3,992 |
| Average total loans | $118,243,000 | 3,111 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 276 |
| Cost of funding earning assets | 0.5815% | 1,485 |
| Net interest margin | 4.8971% | 302 |
| Noninterest income to average assets | 1.0595% | 1,048 |
| Noninterest expense to average assets | 4.1637% | 559 |
| Loan and lease loss provision to assets | 0.1759% | 1,290 |
| Net operating income to assets | 0.6701% | 3,950 |
| Return on assets (ROA) | 0.6705% | 4,033 |
| Pretax return on assets | 1.0119% | 3,414 |
| Return on Equity (ROE) | 7.3332% | 3,343 |
| Retained earnings to average equity (ytd only) | -0.3920% | 5,573 |
| Net charge-offs to loans | 0.2810% | 1,083 |
| Credit loss provision to net charge-offs | 84.1121% | 2,877 |
| Earnings coverage of net charge-offs (x) | 5.6760% | 3,344 |
| Efficiency ratio | 77.8130% | 1,996 |
| Assets per employee ($millions) | 2.6268% | 5,829 |
| Cash dividends to net income (ytd only)* | 105.3450% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 4,466 |
| Loan loss allowance to noncurrent loans | 93.7883% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.4002% | 659 |
| Noncurrent loans to loans | 1.0934% | 2,153 |
| Net loans and leases to total assets | 74.8961% | 1,589 |
| Net loans and leases to deposits | 84.9462% | 2,247 |
| Net loans and leases to core deposits | 86.0140% | 2,794 |
| Total domestic deposits to total assets | 88.1688% | 1,547 |
| Equity capital to assets | 8.9544% | 5,169 |
| Core capital (leverage) ratio | 8.9933% | 4,892 |
| Tier 1 risk-based capital ratio | 12.0633% | 4,909 |
| Total risk-based capital ratio | 13.1144% | 4,945 |
| Memoranda: | ||
| Average total assets | $153,470,000 | 3,520 |
| Average earning assets | $134,487,400 | 3,619 |
| Average equity | $14,032,000 | 3,968 |
| Average total loans | $114,240,400 | 3,136 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4918% | 271 |
| Cost of funding earning assets | 0.5806% | 1,540 |
| Net interest margin | 4.9112% | 306 |
| Noninterest income to average assets | 1.0671% | 1,055 |
| Noninterest expense to average assets | 4.1013% | 596 |
| Loan and lease loss provision to assets | 0.1574% | 1,369 |
| Net operating income to assets | 0.6834% | 3,977 |
| Return on assets (ROA) | 0.6840% | 4,087 |
| Pretax return on assets | 1.1082% | 3,185 |
| Return on Equity (ROE) | 7.4412% | 3,375 |
| Retained earnings to average equity (ytd only) | -2.8737% | 5,922 |
| Net charge-offs to loans | 0.3363% | 778 |
| Credit loss provision to net charge-offs | 63.1579% | 2,874 |
| Earnings coverage of net charge-offs (x) | 5.0737% | 3,254 |
| Efficiency ratio | 76.4303% | 2,172 |
| Assets per employee ($millions) | 2.6206% | 5,890 |
| Cash dividends to net income (ytd only)* | 138.6193% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 4,771 |
| Loan loss allowance to noncurrent loans | 137.9717% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 2.1993% | 871 |
| Noncurrent loans to loans | 0.7219% | 3,170 |
| Net loans and leases to total assets | 73.9694% | 1,734 |
| Net loans and leases to deposits | 84.0597% | 2,405 |
| Net loans and leases to core deposits | 85.1191% | 2,942 |
| Total domestic deposits to total assets | 87.9962% | 1,555 |
| Equity capital to assets | 8.8333% | 5,458 |
| Core capital (leverage) ratio | 8.8673% | 5,158 |
| Tier 1 risk-based capital ratio | 11.9682% | 5,101 |
| Total risk-based capital ratio | 12.9836% | 5,163 |
| Memoranda: | ||
| Average total assets | $152,435,250 | 3,563 |
| Average earning assets | $133,432,500 | 3,673 |
| Average equity | $14,011,750 | 4,015 |
| Average total loans | $112,984,000 | 3,181 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 261 |
| Cost of funding earning assets | 0.5801% | 1,562 |
| Net interest margin | 4.9295% | 286 |
| Noninterest income to average assets | 1.0183% | 1,143 |
| Noninterest expense to average assets | 4.0150% | 664 |
| Loan and lease loss provision to assets | 0.1193% | 1,854 |
| Net operating income to assets | 0.7337% | 3,719 |
| Return on assets (ROA) | 0.7346% | 3,826 |
| Pretax return on assets | 1.1894% | 2,820 |
| Return on Equity (ROE) | 7.8846% | 3,119 |
| Retained earnings to average equity (ytd only) | -7.5431% | 6,113 |
| Net charge-offs to loans | -0.0108% | 4,945 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4360% | 2,465 |
| Assets per employee ($millions) | 2.5364% | 6,012 |
| Cash dividends to net income (ytd only)* | 195.6679% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 3,755 |
| Loan loss allowance to noncurrent loans | 118.8042% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 2.6501% | 685 |
| Noncurrent loans to loans | 1.0153% | 2,614 |
| Net loans and leases to total assets | 73.7853% | 1,695 |
| Net loans and leases to deposits | 84.0492% | 2,308 |
| Net loans and leases to core deposits | 85.1441% | 2,864 |
| Total domestic deposits to total assets | 87.7883% | 1,758 |
| Equity capital to assets | 8.9216% | 5,317 |
| Core capital (leverage) ratio | 8.4900% | 5,542 |
| Tier 1 risk-based capital ratio | 11.4754% | 5,482 |
| Total risk-based capital ratio | 12.6951% | 5,419 |
| Memoranda: | ||
| Average total assets | $150,835,670 | 3,621 |
| Average earning assets | $131,697,330 | 3,730 |
| Average equity | $14,052,670 | 4,038 |
| Average total loans | $111,487,000 | 3,224 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 254 |
| Cost of funding earning assets | 0.5776% | 1,598 |
| Net interest margin | 4.9314% | 280 |
| Noninterest income to average assets | 1.0682% | 986 |
| Noninterest expense to average assets | 4.1608% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7308% | 3,642 |
| Return on assets (ROA) | 0.7325% | 3,764 |
| Pretax return on assets | 1.1854% | 2,729 |
| Return on Equity (ROE) | 7.6974% | 3,123 |
| Retained earnings to average equity (ytd only) | 6.0460% | 2,471 |
| Net charge-offs to loans | -0.0254% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8664% | 2,201 |
| Assets per employee ($millions) | 2.5856% | 6,051 |
| Cash dividends to net income (ytd only)* | 21.4545% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 4,274 |
| Loan loss allowance to noncurrent loans | 105.4276% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 2.9191% | 662 |
| Noncurrent loans to loans | 1.0880% | 2,585 |
| Net loans and leases to total assets | 72.4253% | 1,745 |
| Net loans and leases to deposits | 81.1493% | 2,428 |
| Net loans and leases to core deposits | 82.1852% | 2,949 |
| Total domestic deposits to total assets | 89.2494% | 1,114 |
| Equity capital to assets | 9.4593% | 4,793 |
| Core capital (leverage) ratio | 9.2543% | 4,642 |
| Tier 1 risk-based capital ratio | 12.3345% | 5,023 |
| Total risk-based capital ratio | 13.4878% | 4,992 |
| Memoranda: | ||
| Average total assets | $150,162,500 | 3,651 |
| Average earning assets | $130,186,000 | 3,771 |
| Average equity | $14,290,500 | 4,025 |
| Average total loans | $110,401,000 | 3,252 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5425% | 297 |
| Cost of funding earning assets | 0.6356% | 1,509 |
| Net interest margin | 4.9068% | 350 |
| Noninterest income to average assets | 1.1288% | 954 |
| Noninterest expense to average assets | 4.1483% | 639 |
| Loan and lease loss provision to assets | 0.1344% | 1,948 |
| Net operating income to assets | 0.7580% | 3,582 |
| Return on assets (ROA) | 0.7781% | 3,572 |
| Pretax return on assets | 1.0912% | 3,118 |
| Return on Equity (ROE) | 8.6397% | 2,770 |
| Retained earnings to average equity (ytd only) | 6.7745% | 1,507 |
| Net charge-offs to loans | 0.4077% | 1,050 |
| Credit loss provision to net charge-offs | 45.2489% | 3,584 |
| Earnings coverage of net charge-offs (x) | 4.0317% | 3,756 |
| Efficiency ratio | 77.6018% | 2,262 |
| Assets per employee ($millions) | 2.4629% | 6,180 |
| Cash dividends to net income (ytd only)* | 21.5889% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 4,172 |
| Loan loss allowance to noncurrent loans | 86.0324% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 3.4315% | 548 |
| Noncurrent loans to loans | 1.3592% | 2,165 |
| Net loans and leases to total assets | 72.9219% | 1,772 |
| Net loans and leases to deposits | 82.0143% | 2,469 |
| Net loans and leases to core deposits | 83.0803% | 2,983 |
| Total domestic deposits to total assets | 88.9136% | 1,282 |
| Equity capital to assets | 9.5760% | 4,625 |
| Core capital (leverage) ratio | 9.6035% | 4,093 |
| Tier 1 risk-based capital ratio | 13.5359% | 4,390 |
| Total risk-based capital ratio | 14.7606% | 4,346 |
| Memoranda: | ||
| Average total assets | $148,833,000 | 3,648 |
| Average earning assets | $127,903,000 | 3,809 |
| Average equity | $13,403,200 | 4,118 |
| Average total loans | $108,407,600 | 3,255 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5044% | 318 |
| Cost of funding earning assets | 0.6469% | 1,476 |
| Net interest margin | 4.8575% | 371 |
| Noninterest income to average assets | 1.0847% | 1,034 |
| Noninterest expense to average assets | 4.1815% | 623 |
| Loan and lease loss provision to assets | 0.1788% | 1,374 |
| Net operating income to assets | 0.5510% | 4,670 |
| Return on assets (ROA) | 0.5750% | 4,643 |
| Pretax return on assets | 0.9318% | 3,850 |
| Return on Equity (ROE) | 6.4868% | 3,975 |
| Retained earnings to average equity (ytd only) | 3.9647% | 3,828 |
| Net charge-offs to loans | 0.5259% | 726 |
| Credit loss provision to net charge-offs | 46.8384% | 3,160 |
| Earnings coverage of net charge-offs (x) | 2.8103% | 3,818 |
| Efficiency ratio | 79.5779% | 1,978 |
| Assets per employee ($millions) | 2.3967% | 6,300 |
| Cash dividends to net income (ytd only)* | 38.8809% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 4,172 |
| Loan loss allowance to noncurrent loans | 80.6250% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 3.6622% | 569 |
| Noncurrent loans to loans | 1.5002% | 2,165 |
| Net loans and leases to total assets | 72.0676% | 1,837 |
| Net loans and leases to deposits | 81.1329% | 2,528 |
| Net loans and leases to core deposits | 82.3627% | 3,065 |
| Total domestic deposits to total assets | 88.8266% | 1,341 |
| Equity capital to assets | 9.2800% | 5,056 |
| Core capital (leverage) ratio | 9.2016% | 4,787 |
| Tier 1 risk-based capital ratio | 13.0873% | 4,805 |
| Total risk-based capital ratio | 14.3307% | 4,738 |
| Memoranda: | ||
| Average total assets | $149,097,250 | 3,672 |
| Average earning assets | $127,990,750 | 3,835 |
| Average equity | $13,216,250 | 4,178 |
| Average total loans | $108,250,500 | 3,279 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4748% | 320 |
| Cost of funding earning assets | 0.6589% | 1,444 |
| Net interest margin | 4.8159% | 402 |
| Noninterest income to average assets | 1.0009% | 1,196 |
| Noninterest expense to average assets | 4.0449% | 724 |
| Loan and lease loss provision to assets | 0.1999% | 1,206 |
| Net operating income to assets | 0.5453% | 4,622 |
| Return on assets (ROA) | 0.5811% | 4,548 |
| Pretax return on assets | 0.9423% | 3,714 |
| Return on Equity (ROE) | 6.6568% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.6568% | 1,944 |
| Net charge-offs to loans | 0.2280% | 1,675 |
| Credit loss provision to net charge-offs | 120.9677% | 1,708 |
| Earnings coverage of net charge-offs (x) | 6.5726% | 2,752 |
| Efficiency ratio | 78.8312% | 2,190 |
| Assets per employee ($millions) | 2.4052% | 6,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 3,288 |
| Loan loss allowance to noncurrent loans | 65.1880% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 4.4554% | 441 |
| Noncurrent loans to loans | 2.1664% | 1,526 |
| Net loans and leases to total assets | 72.2346% | 1,697 |
| Net loans and leases to deposits | 80.8413% | 2,408 |
| Net loans and leases to core deposits | 81.8773% | 2,986 |
| Total domestic deposits to total assets | 89.3536% | 1,183 |
| Equity capital to assets | 8.9464% | 5,360 |
| Core capital (leverage) ratio | 8.9252% | 5,127 |
| Tier 1 risk-based capital ratio | 12.6288% | 5,139 |
| Total risk-based capital ratio | 13.8814% | 5,071 |
| Memoranda: | ||
| Average total assets | $150,064,330 | 3,678 |
| Average earning assets | $128,698,330 | 3,840 |
| Average equity | $13,099,330 | 4,201 |
| Average total loans | $108,784,000 | 3,274 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 317 |
| Cost of funding earning assets | 0.6780% | 1,381 |
| Net interest margin | 4.7677% | 405 |
| Noninterest income to average assets | 1.0044% | 1,120 |
| Noninterest expense to average assets | 4.0548% | 710 |
| Loan and lease loss provision to assets | 0.1993% | 1,172 |
| Net operating income to assets | 0.5075% | 4,652 |
| Return on assets (ROA) | 0.5075% | 4,732 |
| Pretax return on assets | 0.8237% | 4,007 |
| Return on Equity (ROE) | 5.8867% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.8867% | 2,599 |
| Net charge-offs to loans | 0.0921% | 2,240 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,550 |
| Efficiency ratio | 79.8535% | 2,231 |
| Assets per employee ($millions) | 2.6119% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 3,383 |
| Loan loss allowance to noncurrent loans | 83.5288% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 4.0352% | 575 |
| Noncurrent loans to loans | 1.7315% | 2,236 |
| Net loans and leases to total assets | 70.4839% | 1,800 |
| Net loans and leases to deposits | 78.5482% | 2,479 |
| Net loans and leases to core deposits | 79.6931% | 3,008 |
| Total domestic deposits to total assets | 89.7333% | 1,221 |
| Equity capital to assets | 8.5808% | 5,570 |
| Core capital (leverage) ratio | 8.7149% | 5,364 |
| Tier 1 risk-based capital ratio | 12.3732% | 5,392 |
| Total risk-based capital ratio | 13.6233% | 5,330 |
| Memoranda: | ||
| Average total assets | $150,536,000 | 3,698 |
| Average earning assets | $128,614,500 | 3,875 |
| Average equity | $12,978,500 | 4,242 |
| Average total loans | $108,546,000 | 3,291 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8248% | 222 |
| Cost of funding earning assets | 1.0350% | 385 |
| Net interest margin | 4.7898% | 442 |
| Noninterest income to average assets | 1.2131% | 956 |
| Noninterest expense to average assets | 3.9120% | 974 |
| Loan and lease loss provision to assets | 0.2994% | 1,122 |
| Net operating income to assets | 0.6582% | 3,999 |
| Return on assets (ROA) | 0.6594% | 4,093 |
| Pretax return on assets | 1.0560% | 3,128 |
| Return on Equity (ROE) | 7.7981% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.7981% | 1,122 |
| Net charge-offs to loans | 0.3170% | 2,102 |
| Credit loss provision to net charge-offs | 130.4348% | 1,799 |
| Earnings coverage of net charge-offs (x) | 5.8957% | 3,180 |
| Efficiency ratio | 74.2955% | 3,082 |
| Assets per employee ($millions) | 2.5790% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 3,677 |
| Loan loss allowance to noncurrent loans | 99.4102% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 3.8447% | 706 |
| Noncurrent loans to loans | 1.4032% | 2,790 |
| Net loans and leases to total assets | 71.6878% | 1,737 |
| Net loans and leases to deposits | 79.7632% | 2,488 |
| Net loans and leases to core deposits | 80.9371% | 3,018 |
| Total domestic deposits to total assets | 89.8758% | 1,146 |
| Equity capital to assets | 8.6628% | 5,409 |
| Core capital (leverage) ratio | 8.8093% | 5,263 |
| Tier 1 risk-based capital ratio | 12.4287% | 5,333 |
| Total risk-based capital ratio | 13.6807% | 5,275 |
| Memoranda: | ||
| Average total assets | $150,281,800 | 3,699 |
| Average earning assets | $127,146,200 | 3,902 |
| Average equity | $12,708,200 | 4,311 |
| Average total loans | $108,823,200 | 3,265 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8806% | 212 |
| Cost of funding earning assets | 1.0961% | 319 |
| Net interest margin | 4.7845% | 445 |
| Noninterest income to average assets | 1.2025% | 1,011 |
| Noninterest expense to average assets | 3.9160% | 945 |
| Loan and lease loss provision to assets | 0.3988% | 761 |
| Net operating income to assets | 0.5717% | 4,465 |
| Return on assets (ROA) | 0.5734% | 4,598 |
| Pretax return on assets | 0.9287% | 3,768 |
| Return on Equity (ROE) | 6.8217% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.8217% | 1,963 |
| Net charge-offs to loans | 0.2769% | 2,166 |
| Credit loss provision to net charge-offs | 199.1150% | 1,218 |
| Earnings coverage of net charge-offs (x) | 6.6149% | 2,937 |
| Efficiency ratio | 74.7210% | 2,948 |
| Assets per employee ($millions) | 2.4837% | 6,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 3,432 |
| Loan loss allowance to noncurrent loans | 98.4356% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 3.6679% | 899 |
| Noncurrent loans to loans | 1.5295% | 2,870 |
| Net loans and leases to total assets | 71.8209% | 1,622 |
| Net loans and leases to deposits | 79.9302% | 2,421 |
| Net loans and leases to core deposits | 80.9507% | 3,010 |
| Total domestic deposits to total assets | 89.8545% | 1,084 |
| Equity capital to assets | 8.4900% | 5,743 |
| Core capital (leverage) ratio | 8.3611% | 5,900 |
| Tier 1 risk-based capital ratio | 11.8571% | 5,871 |
| Total risk-based capital ratio | 13.1097% | 5,815 |
| Memoranda: | ||
| Average total assets | $150,456,750 | 3,730 |
| Average earning assets | $126,989,750 | 3,940 |
| Average equity | $12,645,750 | 4,370 |
| Average total loans | $108,841,750 | 3,294 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9877% | 187 |
| Cost of funding earning assets | 1.1278% | 295 |
| Net interest margin | 4.8599% | 395 |
| Noninterest income to average assets | 1.2403% | 1,017 |
| Noninterest expense to average assets | 3.7420% | 1,179 |
| Loan and lease loss provision to assets | 0.3975% | 785 |
| Net operating income to assets | 0.7302% | 3,672 |
| Return on assets (ROA) | 0.7328% | 3,814 |
| Pretax return on assets | 1.1873% | 2,731 |
| Return on Equity (ROE) | 8.7475% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.7475% | 1,204 |
| Net charge-offs to loans | 0.1524% | 2,881 |
| Credit loss provision to net charge-offs | 361.4458% | 721 |
| Earnings coverage of net charge-offs (x) | 14.3735% | 1,827 |
| Efficiency ratio | 70.3012% | 3,766 |
| Assets per employee ($millions) | 2.5825% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 3,540 |
| Loan loss allowance to noncurrent loans | 222.8454% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 3.0741% | 1,311 |
| Noncurrent loans to loans | 0.6780% | 4,583 |
| Net loans and leases to total assets | 69.6933% | 1,941 |
| Net loans and leases to deposits | 77.4399% | 2,650 |
| Net loans and leases to core deposits | 78.4033% | 3,240 |
| Total domestic deposits to total assets | 89.9967% | 1,022 |
| Equity capital to assets | 8.3468% | 5,927 |
| Core capital (leverage) ratio | 8.3160% | 5,867 |
| Tier 1 risk-based capital ratio | 11.8603% | 5,872 |
| Total risk-based capital ratio | 13.1138% | 5,825 |
| Memoranda: | ||
| Average total assets | $150,935,000 | 3,749 |
| Average earning assets | $126,792,670 | 3,971 |
| Average equity | $12,643,670 | 4,404 |
| Average total loans | $108,900,670 | 3,301 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0482% | 155 |
| Cost of funding earning assets | 1.1252% | 325 |
| Net interest margin | 4.9230% | 323 |
| Noninterest income to average assets | 1.0332% | 1,387 |
| Noninterest expense to average assets | 3.8957% | 1,003 |
| Loan and lease loss provision to assets | 0.3994% | 774 |
| Net operating income to assets | 0.5539% | 4,436 |
| Return on assets (ROA) | 0.5539% | 4,590 |
| Pretax return on assets | 0.8974% | 3,775 |
| Return on Equity (ROE) | 6.5998% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.5998% | 2,368 |
| Net charge-offs to loans | 0.0475% | 3,365 |
| Credit loss provision to net charge-offs | 1,153.8462% | 277 |
| Earnings coverage of net charge-offs (x) | 37.4615% | 834 |
| Efficiency ratio | 75.0256% | 3,095 |
| Assets per employee ($millions) | 2.4888% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 4,152 |
| Loan loss allowance to noncurrent loans | 261.2142% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 3.0800% | 1,441 |
| Noncurrent loans to loans | 0.5424% | 5,089 |
| Net loans and leases to total assets | 70.9980% | 1,521 |
| Net loans and leases to deposits | 78.9371% | 2,221 |
| Net loans and leases to core deposits | 79.7335% | 2,840 |
| Total domestic deposits to total assets | 89.9425% | 1,088 |
| Equity capital to assets | 8.3660% | 6,135 |
| Core capital (leverage) ratio | 8.2565% | 5,868 |
| Tier 1 risk-based capital ratio | 11.6452% | 6,110 |
| Total risk-based capital ratio | 12.8978% | 6,084 |
| Memoranda: | ||
| Average total assets | $150,218,000 | 3,801 |
| Average earning assets | $126,914,000 | 4,002 |
| Average equity | $12,606,500 | 4,451 |
| Average total loans | $109,441,000 | 3,298 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 346 |
| Cost of funding earning assets | 1.5570% | 126 |
| Net interest margin | 4.2826% | 1,439 |
| Noninterest income to average assets | 0.9778% | 1,602 |
| Noninterest expense to average assets | 4.3892% | 628 |
| Loan and lease loss provision to assets | 0.7746% | 637 |
| Net operating income to assets | -0.3133% | 6,452 |
| Return on assets (ROA) | -0.2954% | 6,491 |
| Pretax return on assets | -0.5077% | 6,575 |
| Return on Equity (ROE) | -3.5385% | 6,525 |
| Retained earnings to average equity (ytd only) | -3.5385% | 6,314 |
| Net charge-offs to loans | 1.1856% | 855 |
| Credit loss provision to net charge-offs | 90.7224% | 3,449 |
| Earnings coverage of net charge-offs (x) | 0.2798% | 5,342 |
| Efficiency ratio | 94.8373% | 762 |
| Assets per employee ($millions) | 2.6074% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 4,693 |
| Loan loss allowance to noncurrent loans | 124.1865% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 3.5574% | 1,263 |
| Noncurrent loans to loans | 1.0379% | 4,136 |
| Net loans and leases to total assets | 72.7592% | 1,380 |
| Net loans and leases to deposits | 81.2122% | 2,124 |
| Net loans and leases to core deposits | 82.0509% | 2,764 |
| Total domestic deposits to total assets | 89.5915% | 1,197 |
| Equity capital to assets | 8.4188% | 6,111 |
| Core capital (leverage) ratio | 8.0929% | 6,098 |
| Tier 1 risk-based capital ratio | 11.5406% | 6,070 |
| Total risk-based capital ratio | 12.7916% | 6,037 |
| Memoranda: | ||
| Average total assets | $154,013,800 | 3,714 |
| Average earning assets | $131,274,600 | 3,863 |
| Average equity | $12,858,400 | 4,390 |
| Average total loans | $110,916,200 | 3,280 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7931% | 404 |
| Cost of funding earning assets | 1.6117% | 119 |
| Net interest margin | 4.1814% | 1,793 |
| Noninterest income to average assets | 0.9629% | 1,627 |
| Noninterest expense to average assets | 3.9674% | 980 |
| Loan and lease loss provision to assets | 0.7114% | 709 |
| Net operating income to assets | -0.0957% | 6,402 |
| Return on assets (ROA) | -0.0721% | 6,479 |
| Pretax return on assets | -0.1167% | 6,490 |
| Return on Equity (ROE) | -0.8652% | 6,493 |
| Retained earnings to average equity (ytd only) | -0.8652% | 6,254 |
| Net charge-offs to loans | 0.3583% | 2,669 |
| Credit loss provision to net charge-offs | 277.2575% | 979 |
| Earnings coverage of net charge-offs (x) | 2.1739% | 4,172 |
| Efficiency ratio | 87.6731% | 1,232 |
| Assets per employee ($millions) | 2.5983% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,599 |
| Loan loss allowance to noncurrent loans | 59.3274% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 4.7034% | 971 |
| Noncurrent loans to loans | 3.1443% | 1,760 |
| Net loans and leases to total assets | 72.0518% | 1,546 |
| Net loans and leases to deposits | 80.6857% | 2,293 |
| Net loans and leases to core deposits | 81.3354% | 3,042 |
| Total domestic deposits to total assets | 89.2993% | 1,241 |
| Equity capital to assets | 8.5627% | 6,214 |
| Core capital (leverage) ratio | 8.0414% | 6,290 |
| Tier 1 risk-based capital ratio | 11.8339% | 6,039 |
| Total risk-based capital ratio | 13.0924% | 6,014 |
| Memoranda: | ||
| Average total assets | $155,362,500 | 3,730 |
| Average earning assets | $132,361,000 | 3,890 |
| Average equity | $12,945,000 | 4,408 |
| Average total loans | $111,258,750 | 3,298 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7454% | 444 |
| Cost of funding earning assets | 1.4232% | 319 |
| Net interest margin | 4.3222% | 1,417 |
| Noninterest income to average assets | 0.9585% | 1,585 |
| Noninterest expense to average assets | 3.7765% | 1,251 |
| Loan and lease loss provision to assets | 0.9801% | 455 |
| Net operating income to assets | -0.0784% | 6,410 |
| Return on assets (ROA) | -0.0433% | 6,491 |
| Pretax return on assets | -0.0701% | 6,495 |
| Return on Equity (ROE) | -0.5247% | 6,503 |
| Retained earnings to average equity (ytd only) | -0.5247% | 6,129 |
| Net charge-offs to loans | 0.2853% | 2,893 |
| Credit loss provision to net charge-offs | 483.6478% | 623 |
| Earnings coverage of net charge-offs (x) | 4.2201% | 3,143 |
| Efficiency ratio | 81.5355% | 1,960 |
| Assets per employee ($millions) | 2.7645% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9274% | 2,451 |
| Loan loss allowance to noncurrent loans | 55.9061% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 5.0889% | 931 |
| Noncurrent loans to loans | 3.4475% | 1,674 |
| Net loans and leases to total assets | 69.2328% | 2,066 |
| Net loans and leases to deposits | 77.2130% | 2,800 |
| Net loans and leases to core deposits | 77.8033% | 3,546 |
| Total domestic deposits to total assets | 89.6647% | 1,119 |
| Equity capital to assets | 8.2011% | 6,449 |
| Core capital (leverage) ratio | 8.0425% | 6,230 |
| Tier 1 risk-based capital ratio | 11.6160% | 6,161 |
| Total risk-based capital ratio | 12.8731% | 6,135 |
| Memoranda: | ||
| Average total assets | $156,916,670 | 3,718 |
| Average earning assets | $133,359,000 | 3,899 |
| Average equity | $12,958,670 | 4,400 |
| Average total loans | $111,463,000 | 3,300 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7741% | 448 |
| Cost of funding earning assets | 1.4420% | 363 |
| Net interest margin | 4.3321% | 1,373 |
| Noninterest income to average assets | 0.9682% | 1,514 |
| Noninterest expense to average assets | 3.7807% | 1,240 |
| Loan and lease loss provision to assets | 0.4598% | 1,342 |
| Net operating income to assets | 0.2413% | 5,853 |
| Return on assets (ROA) | 0.3116% | 5,784 |
| Pretax return on assets | 0.5058% | 5,409 |
| Return on Equity (ROE) | 3.7606% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.7606% | 4,331 |
| Net charge-offs to loans | 0.2223% | 2,809 |
| Credit loss provision to net charge-offs | 290.3226% | 1,016 |
| Earnings coverage of net charge-offs (x) | 5.4032% | 2,381 |
| Efficiency ratio | 81.5427% | 1,998 |
| Assets per employee ($millions) | 2.7140% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 4,220 |
| Loan loss allowance to noncurrent loans | 39.8649% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 5.1222% | 1,002 |
| Noncurrent loans to loans | 3.7335% | 1,661 |
| Net loans and leases to total assets | 69.4627% | 1,843 |
| Net loans and leases to deposits | 77.6244% | 2,580 |
| Net loans and leases to core deposits | 78.2179% | 3,296 |
| Total domestic deposits to total assets | 89.4857% | 1,378 |
| Equity capital to assets | 8.2833% | 6,282 |
| Core capital (leverage) ratio | 8.2147% | 6,006 |
| Tier 1 risk-based capital ratio | 11.7528% | 6,123 |
| Total risk-based capital ratio | 13.0065% | 6,102 |
| Memoranda: | ||
| Average total assets | $156,586,500 | 3,752 |
| Average earning assets | $132,592,000 | 3,931 |
| Average equity | $12,976,500 | 4,411 |
| Average total loans | $111,575,000 | 3,314 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1506% | 340 |
| Cost of funding earning assets | 1.6784% | 349 |
| Net interest margin | 4.4722% | 1,203 |
| Noninterest income to average assets | 1.0426% | 1,244 |
| Noninterest expense to average assets | 4.1587% | 851 |
| Loan and lease loss provision to assets | 0.6912% | 1,479 |
| Net operating income to assets | 0.0711% | 5,927 |
| Return on assets (ROA) | 0.0711% | 6,040 |
| Pretax return on assets | 0.0103% | 6,109 |
| Return on Equity (ROE) | 0.8708% | 5,990 |
| Retained earnings to average equity (ytd only) | 0.8708% | 5,453 |
| Net charge-offs to loans | 0.8627% | 2,010 |
| Credit loss provision to net charge-offs | 110.0823% | 3,044 |
| Earnings coverage of net charge-offs (x) | 1.1173% | 4,948 |
| Efficiency ratio | 85.5662% | 1,608 |
| Assets per employee ($millions) | 2.6855% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,608 |
| Loan loss allowance to noncurrent loans | 38.2258% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 5.4937% | 933 |
| Noncurrent loans to loans | 3.5781% | 1,789 |
| Net loans and leases to total assets | 71.0200% | 1,818 |
| Net loans and leases to deposits | 79.3487% | 2,632 |
| Net loans and leases to core deposits | 79.9601% | 3,454 |
| Total domestic deposits to total assets | 89.5037% | 1,267 |
| Equity capital to assets | 8.2910% | 6,359 |
| Core capital (leverage) ratio | 8.1423% | 6,085 |
| Tier 1 risk-based capital ratio | 11.5505% | 6,131 |
| Total risk-based capital ratio | 12.8028% | 6,111 |
| Memoranda: | ||
| Average total assets | $154,807,200 | 3,722 |
| Average earning assets | $132,149,800 | 3,885 |
| Average equity | $12,632,400 | 4,409 |
| Average total loans | $112,665,600 | 3,318 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1908% | 330 |
| Cost of funding earning assets | 1.7289% | 349 |
| Net interest margin | 4.4619% | 1,240 |
| Noninterest income to average assets | 1.0135% | 1,308 |
| Noninterest expense to average assets | 4.2043% | 791 |
| Loan and lease loss provision to assets | 0.8186% | 1,136 |
| Net operating income to assets | -0.1182% | 6,302 |
| Return on assets (ROA) | -0.1182% | 6,385 |
| Pretax return on assets | -0.1915% | 6,405 |
| Return on Equity (ROE) | -1.4541% | 6,424 |
| Retained earnings to average equity (ytd only) | -1.4541% | 6,224 |
| Net charge-offs to loans | 0.6147% | 2,407 |
| Credit loss provision to net charge-offs | 182.5000% | 1,624 |
| Earnings coverage of net charge-offs (x) | 1.3981% | 4,578 |
| Efficiency ratio | 87.0202% | 1,433 |
| Assets per employee ($millions) | 2.5683% | 6,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 3,519 |
| Loan loss allowance to noncurrent loans | 38.3350% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 5.7651% | 948 |
| Noncurrent loans to loans | 4.2573% | 1,536 |
| Net loans and leases to total assets | 72.9453% | 1,518 |
| Net loans and leases to deposits | 81.8054% | 2,396 |
| Net loans and leases to core deposits | 82.4547% | 3,260 |
| Total domestic deposits to total assets | 89.1693% | 1,321 |
| Equity capital to assets | 8.2168% | 6,549 |
| Core capital (leverage) ratio | 8.1327% | 6,245 |
| Tier 1 risk-based capital ratio | 11.2932% | 6,364 |
| Total risk-based capital ratio | 12.5492% | 6,355 |
| Memoranda: | ||
| Average total assets | $154,569,250 | 3,748 |
| Average earning assets | $132,258,000 | 3,910 |
| Average equity | $12,562,000 | 4,438 |
| Average total loans | $112,793,500 | 3,356 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1058% | 379 |
| Cost of funding earning assets | 1.7965% | 314 |
| Net interest margin | 4.3094% | 1,619 |
| Noninterest income to average assets | 1.0367% | 1,235 |
| Noninterest expense to average assets | 4.3277% | 725 |
| Loan and lease loss provision to assets | 0.7988% | 1,154 |
| Net operating income to assets | -0.2353% | 6,502 |
| Return on assets (ROA) | -0.2353% | 6,540 |
| Pretax return on assets | -0.3813% | 6,581 |
| Return on Equity (ROE) | -2.9053% | 6,586 |
| Retained earnings to average equity (ytd only) | -2.9053% | 6,367 |
| Net charge-offs to loans | 0.6661% | 2,169 |
| Credit loss provision to net charge-offs | 165.2406% | 1,836 |
| Earnings coverage of net charge-offs (x) | 0.8636% | 4,649 |
| Efficiency ratio | 91.2013% | 1,155 |
| Assets per employee ($millions) | 2.5879% | 6,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 4,107 |
| Loan loss allowance to noncurrent loans | 33.0709% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 6.0234% | 930 |
| Noncurrent loans to loans | 4.5552% | 1,447 |
| Net loans and leases to total assets | 71.9380% | 1,796 |
| Net loans and leases to deposits | 80.6378% | 2,679 |
| Net loans and leases to core deposits | 81.3931% | 3,596 |
| Total domestic deposits to total assets | 89.2113% | 1,413 |
| Equity capital to assets | 8.2004% | 6,514 |
| Core capital (leverage) ratio | 8.0136% | 6,284 |
| Tier 1 risk-based capital ratio | 11.4379% | 6,215 |
| Total risk-based capital ratio | 12.6915% | 6,204 |
| Memoranda: | ||
| Average total assets | $154,726,000 | 3,769 |
| Average earning assets | $133,151,000 | 3,922 |
| Average equity | $12,528,670 | 4,428 |
| Average total loans | $112,300,330 | 3,406 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1059% | 398 |
| Cost of funding earning assets | 1.8564% | 306 |
| Net interest margin | 4.2495% | 1,745 |
| Noninterest income to average assets | 1.0504% | 1,193 |
| Noninterest expense to average assets | 3.7523% | 1,440 |
| Loan and lease loss provision to assets | 0.9117% | 875 |
| Net operating income to assets | 0.0411% | 6,250 |
| Return on assets (ROA) | 0.0411% | 6,289 |
| Pretax return on assets | 0.0668% | 6,244 |
| Return on Equity (ROE) | 0.5107% | 6,260 |
| Retained earnings to average equity (ytd only) | 0.5107% | 5,621 |
| Net charge-offs to loans | 0.3692% | 2,591 |
| Credit loss provision to net charge-offs | 341.3462% | 955 |
| Earnings coverage of net charge-offs (x) | 3.6635% | 2,674 |
| Efficiency ratio | 79.3160% | 2,648 |
| Assets per employee ($millions) | 2.4723% | 7,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 4,146 |
| Loan loss allowance to noncurrent loans | 30.5284% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 6.2257% | 911 |
| Noncurrent loans to loans | 4.9552% | 1,367 |
| Net loans and leases to total assets | 70.5145% | 2,028 |
| Net loans and leases to deposits | 79.0289% | 2,885 |
| Net loans and leases to core deposits | 79.9057% | 3,772 |
| Total domestic deposits to total assets | 89.2262% | 1,635 |
| Equity capital to assets | 8.0664% | 6,430 |
| Core capital (leverage) ratio | 8.0510% | 6,189 |
| Tier 1 risk-based capital ratio | 11.4555% | 6,138 |
| Total risk-based capital ratio | 12.7095% | 6,119 |
| Memoranda: | ||
| Average total assets | $155,745,500 | 3,779 |
| Average earning assets | $134,886,000 | 3,915 |
| Average equity | $12,532,500 | 4,436 |
| Average total loans | $112,690,500 | 3,425 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0682% | 746 |
| Cost of funding earning assets | 2.1588% | 350 |
| Net interest margin | 3.9094% | 3,444 |
| Noninterest income to average assets | 1.0866% | 1,269 |
| Noninterest expense to average assets | 3.8140% | 1,460 |
| Loan and lease loss provision to assets | 0.4618% | 3,358 |
| Net operating income to assets | 0.1808% | 5,335 |
| Return on assets (ROA) | 0.2043% | 5,426 |
| Pretax return on assets | 0.2168% | 5,449 |
| Return on Equity (ROE) | 2.7209% | 5,079 |
| Retained earnings to average equity (ytd only) | 2.7209% | 3,954 |
| Net charge-offs to loans | 0.6862% | 2,950 |
| Credit loss provision to net charge-offs | 93.5443% | 4,967 |
| Earnings coverage of net charge-offs (x) | 1.3241% | 4,783 |
| Efficiency ratio | 85.3706% | 1,763 |
| Assets per employee ($millions) | 2.5956% | 6,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 5,200 |
| Loan loss allowance to noncurrent loans | 22.2360% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 6.8341% | 814 |
| Noncurrent loans to loans | 5.6718% | 1,140 |
| Net loans and leases to total assets | 72.1915% | 2,061 |
| Net loans and leases to deposits | 80.8937% | 3,013 |
| Net loans and leases to core deposits | 81.8203% | 3,931 |
| Total domestic deposits to total assets | 89.2425% | 1,518 |
| Equity capital to assets | 8.0272% | 6,470 |
| Core capital (leverage) ratio | 7.9601% | 6,258 |
| Tier 1 risk-based capital ratio | 11.2838% | 6,102 |
| Total risk-based capital ratio | 12.5341% | 6,088 |
| Memoranda: | ||
| Average total assets | $160,042,000 | 3,698 |
| Average earning assets | $138,409,200 | 3,849 |
| Average equity | $12,018,000 | 4,597 |
| Average total loans | $115,133,000 | 3,423 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1198% | 733 |
| Cost of funding earning assets | 2.2276% | 355 |
| Net interest margin | 3.8921% | 3,564 |
| Noninterest income to average assets | 1.0940% | 1,186 |
| Noninterest expense to average assets | 3.6320% | 1,709 |
| Loan and lease loss provision to assets | 0.2309% | 4,764 |
| Net operating income to assets | 0.3661% | 4,904 |
| Return on assets (ROA) | 0.3873% | 4,991 |
| Pretax return on assets | 0.6273% | 4,501 |
| Return on Equity (ROE) | 5.2447% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.2447% | 2,816 |
| Net charge-offs to loans | 0.6456% | 2,816 |
| Credit loss provision to net charge-offs | 49.9106% | 5,885 |
| Earnings coverage of net charge-offs (x) | 1.7836% | 4,380 |
| Efficiency ratio | 81.4890% | 2,132 |
| Assets per employee ($millions) | 2.5813% | 6,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 6,187 |
| Loan loss allowance to noncurrent loans | 29.1475% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 5.4369% | 1,142 |
| Noncurrent loans to loans | 3.5878% | 2,186 |
| Net loans and leases to total assets | 72.5324% | 2,118 |
| Net loans and leases to deposits | 81.5641% | 3,178 |
| Net loans and leases to core deposits | 82.6478% | 4,143 |
| Total domestic deposits to total assets | 88.9269% | 1,431 |
| Equity capital to assets | 8.1931% | 6,617 |
| Core capital (leverage) ratio | 7.9390% | 6,426 |
| Tier 1 risk-based capital ratio | 11.2820% | 6,113 |
| Total risk-based capital ratio | 12.3561% | 6,276 |
| Memoranda: | ||
| Average total assets | $161,119,250 | 3,736 |
| Average earning assets | $139,217,750 | 3,888 |
| Average equity | $11,897,250 | 4,708 |
| Average total loans | $115,450,750 | 3,463 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9695% | 1,019 |
| Cost of funding earning assets | 2.2771% | 363 |
| Net interest margin | 3.6924% | 4,401 |
| Noninterest income to average assets | 1.0965% | 1,103 |
| Noninterest expense to average assets | 3.5937% | 1,796 |
| Loan and lease loss provision to assets | 0.1626% | 5,261 |
| Net operating income to assets | 0.3265% | 5,083 |
| Return on assets (ROA) | 0.3265% | 5,243 |
| Pretax return on assets | 0.5285% | 4,819 |
| Return on Equity (ROE) | 4.5837% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.5837% | 3,159 |
| Net charge-offs to loans | 0.8262% | 2,186 |
| Credit loss provision to net charge-offs | 27.6730% | 5,769 |
| Earnings coverage of net charge-offs (x) | 1.1761% | 4,620 |
| Efficiency ratio | 83.8700% | 1,933 |
| Assets per employee ($millions) | 2.7900% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 6,440 |
| Loan loss allowance to noncurrent loans | 18.2720% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 5.5858% | 1,095 |
| Noncurrent loans to loans | 5.4285% | 1,220 |
| Net loans and leases to total assets | 70.4437% | 2,808 |
| Net loans and leases to deposits | 78.6032% | 3,869 |
| Net loans and leases to core deposits | 80.0388% | 4,694 |
| Total domestic deposits to total assets | 89.6193% | 1,118 |
| Equity capital to assets | 7.2642% | 7,242 |
| Core capital (leverage) ratio | 7.1022% | 7,126 |
| Tier 1 risk-based capital ratio | 10.3644% | 6,788 |
| Total risk-based capital ratio | 11.3867% | 6,919 |
| Memoranda: | ||
| Average total assets | $162,338,330 | 3,735 |
| Average earning assets | $140,180,330 | 3,900 |
| Average equity | $11,562,670 | 4,790 |
| Average total loans | $115,461,670 | 3,496 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8570% | 1,307 |
| Cost of funding earning assets | 2.3195% | 403 |
| Net interest margin | 3.5375% | 5,006 |
| Noninterest income to average assets | 1.0923% | 1,057 |
| Noninterest expense to average assets | 3.6655% | 1,585 |
| Loan and lease loss provision to assets | 0.1107% | 5,515 |
| Net operating income to assets | 0.2042% | 5,670 |
| Return on assets (ROA) | 0.2042% | 5,790 |
| Pretax return on assets | 0.3739% | 5,368 |
| Return on Equity (ROE) | 2.8954% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.8954% | 4,395 |
| Net charge-offs to loans | 0.5293% | 2,479 |
| Credit loss provision to net charge-offs | 29.4118% | 4,822 |
| Earnings coverage of net charge-offs (x) | 1.2876% | 3,978 |
| Efficiency ratio | 88.3225% | 1,556 |
| Assets per employee ($millions) | 2.7380% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 5,480 |
| Loan loss allowance to noncurrent loans | 29.0499% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 4.3304% | 1,571 |
| Noncurrent loans to loans | 4.1425% | 1,862 |
| Net loans and leases to total assets | 68.9138% | 3,175 |
| Net loans and leases to deposits | 76.9413% | 4,231 |
| Net loans and leases to core deposits | 78.1966% | 5,000 |
| Total domestic deposits to total assets | 89.5667% | 1,197 |
| Equity capital to assets | 7.0069% | 7,368 |
| Core capital (leverage) ratio | 7.0442% | 7,224 |
| Tier 1 risk-based capital ratio | 10.1902% | 6,893 |
| Total risk-based capital ratio | 11.4233% | 6,895 |
| Memoranda: | ||
| Average total assets | $162,597,500 | 3,790 |
| Average earning assets | $140,549,500 | 3,952 |
| Average equity | $11,466,500 | 4,855 |
| Average total loans | $115,625,500 | 3,548 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5641% | 589 |
| Cost of funding earning assets | 2.8493% | 378 |
| Net interest margin | 3.7149% | 4,069 |
| Noninterest income to average assets | 1.0448% | 1,424 |
| Noninterest expense to average assets | 3.6759% | 1,966 |
| Loan and lease loss provision to assets | 0.6920% | 3,058 |
| Net operating income to assets | -0.0033% | 5,491 |
| Return on assets (ROA) | -0.2494% | 5,897 |
| Pretax return on assets | -0.4701% | 5,985 |
| Return on Equity (ROE) | -3.5514% | 6,064 |
| Retained earnings to average equity (ytd only) | -3.5514% | 5,804 |
| Net charge-offs to loans | 0.7621% | 2,918 |
| Credit loss provision to net charge-offs | 127.0483% | 4,086 |
| Earnings coverage of net charge-offs (x) | 1.1134% | 4,999 |
| Efficiency ratio | 85.8387% | 2,134 |
| Assets per employee ($millions) | 2.7744% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 4,907 |
| Loan loss allowance to noncurrent loans | 101.0190% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 2.5038% | 2,792 |
| Noncurrent loans to loans | 1.2618% | 4,828 |
| Net loans and leases to total assets | 71.5741% | 2,869 |
| Net loans and leases to deposits | 79.9156% | 4,014 |
| Net loans and leases to core deposits | 105.8381% | 3,361 |
| Total domestic deposits to total assets | 89.5621% | 1,179 |
| Equity capital to assets | 7.0982% | 7,328 |
| Core capital (leverage) ratio | 6.9760% | 7,259 |
| Tier 1 risk-based capital ratio | 10.0322% | 6,844 |
| Total risk-based capital ratio | 11.2833% | 6,811 |
| Memoranda: | ||
| Average total assets | $163,579,200 | 3,705 |
| Average earning assets | $142,562,400 | 3,849 |
| Average equity | $11,488,400 | 4,884 |
| Average total loans | $116,918,600 | 3,550 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5301% | 704 |
| Cost of funding earning assets | 2.9129% | 436 |
| Net interest margin | 3.6172% | 4,419 |
| Noninterest income to average assets | 1.0025% | 1,598 |
| Noninterest expense to average assets | 3.6473% | 1,928 |
| Loan and lease loss provision to assets | 0.6437% | 2,826 |
| Net operating income to assets | -0.0677% | 5,842 |
| Return on assets (ROA) | -0.3945% | 6,311 |
| Pretax return on assets | -0.6389% | 6,436 |
| Return on Equity (ROE) | -5.6322% | 6,517 |
| Retained earnings to average equity (ytd only) | -5.6322% | 6,339 |
| Net charge-offs to loans | 0.6565% | 2,715 |
| Credit loss provision to net charge-offs | 137.6736% | 3,595 |
| Earnings coverage of net charge-offs (x) | 1.1024% | 4,960 |
| Efficiency ratio | 87.6170% | 1,906 |
| Assets per employee ($millions) | 2.6481% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 4,980 |
| Loan loss allowance to noncurrent loans | 78.3191% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 2.6988% | 2,578 |
| Noncurrent loans to loans | 1.5638% | 4,292 |
| Net loans and leases to total assets | 71.8651% | 3,068 |
| Net loans and leases to deposits | 80.6484% | 4,264 |
| Net loans and leases to core deposits | 109.7529% | 3,266 |
| Total domestic deposits to total assets | 89.1092% | 1,153 |
| Equity capital to assets | 6.9714% | 7,607 |
| Core capital (leverage) ratio | 6.8899% | 7,495 |
| Tier 1 risk-based capital ratio | 9.8330% | 7,106 |
| Total risk-based capital ratio | 11.0827% | 7,073 |
| Memoranda: | ||
| Average total assets | $164,245,750 | 3,718 |
| Average earning assets | $143,495,750 | 3,851 |
| Average equity | $11,505,000 | 4,923 |
| Average total loans | $116,983,500 | 3,568 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4802% | 860 |
| Cost of funding earning assets | 2.9980% | 479 |
| Net interest margin | 3.4822% | 4,881 |
| Noninterest income to average assets | 0.9558% | 1,738 |
| Noninterest expense to average assets | 3.6161% | 2,032 |
| Loan and lease loss provision to assets | 0.5917% | 2,670 |
| Net operating income to assets | -0.1098% | 6,030 |
| Return on assets (ROA) | -0.5929% | 6,657 |
| Pretax return on assets | -0.9594% | 6,786 |
| Return on Equity (ROE) | -8.4514% | 6,926 |
| Retained earnings to average equity (ytd only) | -8.4514% | 6,715 |
| Net charge-offs to loans | 0.3134% | 3,619 |
| Credit loss provision to net charge-offs | 267.0330% | 1,748 |
| Earnings coverage of net charge-offs (x) | 1.7473% | 4,247 |
| Efficiency ratio | 90.3285% | 1,777 |
| Assets per employee ($millions) | 2.5134% | 7,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 4,330 |
| Loan loss allowance to noncurrent loans | 57.3862% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 3.2681% | 1,907 |
| Noncurrent loans to loans | 2.2462% | 3,192 |
| Net loans and leases to total assets | 72.6576% | 3,050 |
| Net loans and leases to deposits | 80.8258% | 4,414 |
| Net loans and leases to core deposits | 109.4978% | 3,433 |
| Total domestic deposits to total assets | 89.8940% | 870 |
| Equity capital to assets | 6.8918% | 7,664 |
| Core capital (leverage) ratio | 6.7807% | 7,667 |
| Tier 1 risk-based capital ratio | 9.7294% | 7,203 |
| Total risk-based capital ratio | 10.9755% | 7,150 |
| Memoranda: | ||
| Average total assets | $164,266,330 | 3,730 |
| Average earning assets | $143,760,670 | 3,866 |
| Average equity | $11,524,670 | 4,944 |
| Average total loans | $116,160,000 | 3,621 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5149% | 844 |
| Cost of funding earning assets | 3.1076% | 450 |
| Net interest margin | 3.4073% | 5,111 |
| Noninterest income to average assets | 0.9252% | 1,755 |
| Noninterest expense to average assets | 3.6572% | 1,735 |
| Loan and lease loss provision to assets | 0.8791% | 1,494 |
| Net operating income to assets | -0.3885% | 6,770 |
| Return on assets (ROA) | -0.3885% | 6,848 |
| Pretax return on assets | -0.6290% | 6,923 |
| Return on Equity (ROE) | -5.4900% | 7,019 |
| Retained earnings to average equity (ytd only) | -5.4900% | 6,620 |
| Net charge-offs to loans | 0.3505% | 2,681 |
| Credit loss provision to net charge-offs | 362.0000% | 1,405 |
| Earnings coverage of net charge-offs (x) | 1.0300% | 4,252 |
| Efficiency ratio | 93.5985% | 1,459 |
| Assets per employee ($millions) | 2.6409% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 3,991 |
| Loan loss allowance to noncurrent loans | 58.2689% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.8995% | 1,962 |
| Noncurrent loans to loans | 2.2575% | 2,920 |
| Net loans and leases to total assets | 67.9976% | 4,141 |
| Net loans and leases to deposits | 76.0877% | 5,211 |
| Net loans and leases to core deposits | 102.8978% | 4,251 |
| Total domestic deposits to total assets | 89.3674% | 1,070 |
| Equity capital to assets | 6.9470% | 7,705 |
| Core capital (leverage) ratio | 6.9491% | 7,669 |
| Tier 1 risk-based capital ratio | 10.2631% | 6,628 |
| Total risk-based capital ratio | 11.5138% | 6,552 |
| Memoranda: | ||
| Average total assets | $164,715,000 | 3,747 |
| Average earning assets | $144,162,000 | 3,872 |
| Average equity | $11,657,500 | 4,937 |
| Average total loans | $114,115,000 | 3,697 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2861% | 609 |
| Cost of funding earning assets | 3.4747% | 563 |
| Net interest margin | 3.8113% | 3,973 |
| Noninterest income to average assets | 1.1231% | 1,237 |
| Noninterest expense to average assets | 3.7439% | 1,867 |
| Loan and lease loss provision to assets | 0.3654% | 3,498 |
| Net operating income to assets | 0.3045% | 5,526 |
| Return on assets (ROA) | 0.2662% | 5,480 |
| Pretax return on assets | 0.3687% | 5,333 |
| Return on Equity (ROE) | 3.4665% | 5,052 |
| Retained earnings to average equity (ytd only) | 2.1826% | 3,861 |
| Net charge-offs to loans | 0.3913% | 2,862 |
| Credit loss provision to net charge-offs | 130.8235% | 4,070 |
| Earnings coverage of net charge-offs (x) | 2.8188% | 4,671 |
| Efficiency ratio | 82.6251% | 2,225 |
| Assets per employee ($millions) | 2.3979% | 7,400 |
| Cash dividends to net income (ytd only)* | 37.0370% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,313 |
| Loan loss allowance to noncurrent loans | 37.4399% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 2.4851% | 1,958 |
| Noncurrent loans to loans | 2.9298% | 1,835 |
| Net loans and leases to total assets | 68.9001% | 4,281 |
| Net loans and leases to deposits | 79.8864% | 5,065 |
| Net loans and leases to core deposits | 111.0897% | 3,669 |
| Total domestic deposits to total assets | 86.2476% | 2,291 |
| Equity capital to assets | 7.2105% | 7,620 |
| Core capital (leverage) ratio | 7.3622% | 7,346 |
| Tier 1 risk-based capital ratio | 10.5956% | 6,106 |
| Total risk-based capital ratio | 11.7219% | 6,118 |
| Memoranda: | ||
| Average total assets | $152,166,400 | 3,864 |
| Average earning assets | $136,067,400 | 3,927 |
| Average equity | $11,683,200 | 4,918 |
| Average total loans | $108,602,000 | 3,715 |