Home > Citizens First Bank, Inc. > Performance and Condition Ratios
Citizens First Bank, Inc., Performance and Condition Ratios
| 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 | 4.7814% | 2,121 |
| Cost of funding earning assets | 1.1633% | 1,095 |
| Net interest margin | 3.6181% | 3,197 |
| Noninterest income to average assets | 0.6990% | 1,715 |
| Noninterest expense to average assets | 3.6189% | 834 |
| Loan and lease loss provision to assets | 0.3850% | 321 |
| Net operating income to assets | 0.0329% | 5,087 |
| Return on assets (ROA) | 0.0479% | 5,094 |
| Pretax return on assets | 0.0599% | 5,089 |
| Return on Equity (ROE) | 0.4114% | 5,089 |
| Retained earnings to average equity (ytd only) | -3.2621% | 4,979 |
| Net charge-offs to loans | -0.0156% | 4,467 |
| Credit loss provision to net charge-offs | -3,103.4483% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0969% | 384 |
| Assets per employee ($millions) | 4.8959% | 2,606 |
| Cash dividends to net income (ytd only)* | 892.8571% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,406 |
| Loan loss allowance to noncurrent loans | 380.6174% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 3,315 |
| Noncurrent loans to loans | 0.3816% | 3,158 |
| Net loans and leases to total assets | 79.0133% | 1,038 |
| Net loans and leases to deposits | 96.8399% | 948 |
| Net loans and leases to core deposits | 104.7168% | 1,323 |
| Total domestic deposits to total assets | 81.5918% | 3,639 |
| Equity capital to assets | 11.8205% | 2,326 |
| Core capital (leverage) ratio | 10.8754% | 2,716 |
| Tier 1 risk-based capital ratio | 12.8832% | 3,901 |
| Total risk-based capital ratio | 14.1346% | 3,801 |
| Memoranda: | ||
| Average total assets | $467,540,330 | 1,517 |
| Average earning assets | $432,385,330 | 1,519 |
| Average equity | $54,444,000 | 1,475 |
| Average total loans | $371,638,670 | 1,364 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 2,216 |
| Cost of funding earning assets | 1.1472% | 1,052 |
| Net interest margin | 3.5548% | 3,419 |
| Noninterest income to average assets | 0.6435% | 1,842 |
| Noninterest expense to average assets | 2.6779% | 2,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0134% | 2,796 |
| Return on assets (ROA) | 1.0134% | 2,842 |
| Pretax return on assets | 1.2575% | 2,599 |
| Return on Equity (ROE) | 8.7662% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.7662% | 1,397 |
| Net charge-offs to loans | -0.0277% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6609% | 2,683 |
| Assets per employee ($millions) | 5.0706% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 2,773 |
| Loan loss allowance to noncurrent loans | 346.3780% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 3,535 |
| Noncurrent loans to loans | 0.3359% | 3,372 |
| Net loans and leases to total assets | 79.2339% | 957 |
| Net loans and leases to deposits | 97.6949% | 812 |
| Net loans and leases to core deposits | 105.0648% | 1,238 |
| Total domestic deposits to total assets | 81.1034% | 3,950 |
| Equity capital to assets | 11.7897% | 2,164 |
| Core capital (leverage) ratio | 11.1704% | 2,413 |
| Tier 1 risk-based capital ratio | 13.1002% | 3,825 |
| Total risk-based capital ratio | 14.2092% | 3,793 |
| Memoranda: | ||
| Average total assets | $473,651,500 | 1,513 |
| Average earning assets | $438,624,000 | 1,511 |
| Average equity | $54,755,500 | 1,454 |
| Average total loans | $374,926,000 | 1,355 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5529% | 2,283 |
| Cost of funding earning assets | 0.9651% | 862 |
| Net interest margin | 3.5878% | 3,422 |
| Noninterest income to average assets | 0.7056% | 1,832 |
| Noninterest expense to average assets | 2.6229% | 3,264 |
| Loan and lease loss provision to assets | 0.0335% | 3,521 |
| Net operating income to assets | 1.1045% | 2,572 |
| Return on assets (ROA) | 1.1045% | 2,573 |
| Pretax return on assets | 1.3849% | 2,191 |
| Return on Equity (ROE) | 10.2065% | 2,440 |
| Retained earnings to average equity (ytd only) | 7.8860% | 1,287 |
| Net charge-offs to loans | 0.1352% | 1,404 |
| Credit loss provision to net charge-offs | 31.3112% | 3,345 |
| Earnings coverage of net charge-offs (x) | 13.2642% | 2,476 |
| Efficiency ratio | 64.5350% | 3,112 |
| Assets per employee ($millions) | 4.9045% | 2,615 |
| Cash dividends to net income (ytd only)* | 22.7359% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,686 |
| Loan loss allowance to noncurrent loans | 336.9029% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 3,493 |
| Noncurrent loans to loans | 0.3491% | 3,289 |
| Net loans and leases to total assets | 77.2360% | 1,401 |
| Net loans and leases to deposits | 94.2536% | 1,249 |
| Net loans and leases to core deposits | 101.7022% | 1,600 |
| Total domestic deposits to total assets | 81.9449% | 3,654 |
| Equity capital to assets | 11.3329% | 2,385 |
| Core capital (leverage) ratio | 10.8170% | 2,719 |
| Tier 1 risk-based capital ratio | 12.9182% | 3,892 |
| Total risk-based capital ratio | 14.0315% | 3,852 |
| Memoranda: | ||
| Average total assets | $477,861,800 | 1,464 |
| Average earning assets | $444,287,200 | 1,467 |
| Average equity | $51,712,000 | 1,469 |
| Average total loans | $378,021,800 | 1,315 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 2,203 |
| Cost of funding earning assets | 0.9176% | 854 |
| Net interest margin | 3.6093% | 3,338 |
| Noninterest income to average assets | 0.6890% | 1,904 |
| Noninterest expense to average assets | 2.6304% | 3,197 |
| Loan and lease loss provision to assets | 0.0251% | 3,514 |
| Net operating income to assets | 1.1078% | 2,629 |
| Return on assets (ROA) | 1.1078% | 2,641 |
| Pretax return on assets | 1.3924% | 2,254 |
| Return on Equity (ROE) | 10.3591% | 2,453 |
| Retained earnings to average equity (ytd only) | 8.0137% | 1,647 |
| Net charge-offs to loans | 0.0133% | 2,951 |
| Credit loss provision to net charge-offs | 236.8421% | 1,226 |
| Earnings coverage of net charge-offs (x) | 133.8299% | 606 |
| Efficiency ratio | 64.6172% | 3,086 |
| Assets per employee ($millions) | 4.8314% | 2,679 |
| Cash dividends to net income (ytd only)* | 22.6415% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,152 |
| Loan loss allowance to noncurrent loans | 237.1400% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 2,991 |
| Noncurrent loans to loans | 0.5433% | 2,755 |
| Net loans and leases to total assets | 77.2813% | 1,450 |
| Net loans and leases to deposits | 95.3104% | 1,232 |
| Net loans and leases to core deposits | 103.7748% | 1,465 |
| Total domestic deposits to total assets | 81.0838% | 3,845 |
| Equity capital to assets | 11.0974% | 2,579 |
| Core capital (leverage) ratio | 10.3461% | 3,241 |
| Tier 1 risk-based capital ratio | 12.6590% | 4,109 |
| Total risk-based capital ratio | 13.8785% | 4,029 |
| Memoranda: | ||
| Average total assets | $478,393,000 | 1,463 |
| Average earning assets | $445,213,000 | 1,465 |
| Average equity | $51,161,250 | 1,480 |
| Average total loans | $379,574,000 | 1,311 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 2,151 |
| Cost of funding earning assets | 0.8642% | 858 |
| Net interest margin | 3.6188% | 3,241 |
| Noninterest income to average assets | 0.6720% | 1,996 |
| Noninterest expense to average assets | 2.6290% | 3,225 |
| Loan and lease loss provision to assets | 0.0250% | 3,417 |
| Net operating income to assets | 1.1120% | 2,538 |
| Return on assets (ROA) | 1.1120% | 2,543 |
| Pretax return on assets | 1.3887% | 2,191 |
| Return on Equity (ROE) | 10.5285% | 2,321 |
| Retained earnings to average equity (ytd only) | 8.1617% | 1,554 |
| Net charge-offs to loans | 0.0178% | 2,553 |
| Credit loss provision to net charge-offs | 176.4706% | 1,411 |
| Earnings coverage of net charge-offs (x) | 99.7941% | 698 |
| Efficiency ratio | 64.6501% | 3,224 |
| Assets per employee ($millions) | 4.9321% | 2,506 |
| Cash dividends to net income (ytd only)* | 22.4803% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,497 |
| Loan loss allowance to noncurrent loans | 227.7085% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 3,015 |
| Noncurrent loans to loans | 0.5440% | 2,787 |
| Net loans and leases to total assets | 77.5548% | 1,385 |
| Net loans and leases to deposits | 97.1752% | 1,025 |
| Net loans and leases to core deposits | 106.1054% | 1,235 |
| Total domestic deposits to total assets | 79.8092% | 4,275 |
| Equity capital to assets | 10.5836% | 3,039 |
| Core capital (leverage) ratio | 10.2297% | 3,319 |
| Tier 1 risk-based capital ratio | 12.0007% | 4,493 |
| Total risk-based capital ratio | 13.1747% | 4,427 |
| Memoranda: | ||
| Average total assets | $480,030,000 | 1,470 |
| Average earning assets | $447,109,330 | 1,463 |
| Average equity | $50,700,330 | 1,498 |
| Average total loans | $382,535,670 | 1,305 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 2,237 |
| Cost of funding earning assets | 0.8289% | 838 |
| Net interest margin | 3.5595% | 3,313 |
| Noninterest income to average assets | 0.6472% | 2,041 |
| Noninterest expense to average assets | 2.7039% | 3,031 |
| Loan and lease loss provision to assets | 0.0252% | 3,187 |
| Net operating income to assets | 0.9884% | 2,897 |
| Return on assets (ROA) | 0.9884% | 2,926 |
| Pretax return on assets | 1.2313% | 2,634 |
| Return on Equity (ROE) | 9.3684% | 2,733 |
| Retained earnings to average equity (ytd only) | 6.9785% | 2,286 |
| Net charge-offs to loans | 0.0639% | 1,469 |
| Credit loss provision to net charge-offs | 49.1803% | 1,958 |
| Earnings coverage of net charge-offs (x) | 24.5082% | 1,357 |
| Efficiency ratio | 67.8905% | 2,846 |
| Assets per employee ($millions) | 5.0697% | 2,403 |
| Cash dividends to net income (ytd only)* | 25.5102% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,780 |
| Loan loss allowance to noncurrent loans | 224.8682% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 3,126 |
| Noncurrent loans to loans | 0.5358% | 2,918 |
| Net loans and leases to total assets | 79.0675% | 1,069 |
| Net loans and leases to deposits | 99.3022% | 762 |
| Net loans and leases to core deposits | 108.6631% | 1,079 |
| Total domestic deposits to total assets | 79.6231% | 4,475 |
| Equity capital to assets | 10.3691% | 3,196 |
| Core capital (leverage) ratio | 10.0364% | 3,490 |
| Tier 1 risk-based capital ratio | 11.4892% | 4,866 |
| Total risk-based capital ratio | 12.6280% | 4,835 |
| Memoranda: | ||
| Average total assets | $475,904,000 | 1,490 |
| Average earning assets | $442,987,500 | 1,481 |
| Average equity | $50,211,500 | 1,525 |
| Average total loans | $382,085,500 | 1,309 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 2,139 |
| Cost of funding earning assets | 0.6789% | 1,138 |
| Net interest margin | 3.6831% | 2,868 |
| Noninterest income to average assets | 0.7091% | 1,920 |
| Noninterest expense to average assets | 2.6345% | 3,336 |
| Loan and lease loss provision to assets | -0.0326% | 5,362 |
| Net operating income to assets | 0.9646% | 2,386 |
| Return on assets (ROA) | 0.9713% | 2,403 |
| Pretax return on assets | 1.5277% | 1,531 |
| Return on Equity (ROE) | 9.1755% | 2,230 |
| Retained earnings to average equity (ytd only) | 5.8927% | 1,600 |
| Net charge-offs to loans | -0.0055% | 4,661 |
| Credit loss provision to net charge-offs | 750.0000% | 441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5400% | 3,674 |
| Assets per employee ($millions) | 4.7461% | 2,804 |
| Cash dividends to net income (ytd only)* | 35.7782% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,421 |
| Loan loss allowance to noncurrent loans | 351.4881% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 3,730 |
| Noncurrent loans to loans | 0.3587% | 3,486 |
| Net loans and leases to total assets | 79.5369% | 1,028 |
| Net loans and leases to deposits | 99.1132% | 806 |
| Net loans and leases to core deposits | 107.7712% | 1,147 |
| Total domestic deposits to total assets | 80.2485% | 4,293 |
| Equity capital to assets | 10.7409% | 2,907 |
| Core capital (leverage) ratio | 10.1388% | 3,259 |
| Tier 1 risk-based capital ratio | 11.6692% | 4,743 |
| Total risk-based capital ratio | 12.8575% | 4,671 |
| Memoranda: | ||
| Average total assets | $460,422,800 | 1,511 |
| Average earning assets | $426,294,400 | 1,512 |
| Average equity | $48,738,400 | 1,551 |
| Average total loans | $364,624,400 | 1,327 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 2,269 |
| Cost of funding earning assets | 0.6509% | 1,236 |
| Net interest margin | 3.6455% | 2,975 |
| Noninterest income to average assets | 0.7081% | 1,967 |
| Noninterest expense to average assets | 2.6707% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9743% | 2,667 |
| Return on assets (ROA) | 0.9839% | 2,684 |
| Pretax return on assets | 1.4237% | 2,047 |
| Return on Equity (ROE) | 9.3294% | 2,426 |
| Retained earnings to average equity (ytd only) | 6.3013% | 2,057 |
| Net charge-offs to loans | 0.0007% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2,424.9064% | 30 |
| Efficiency ratio | 65.0374% | 3,373 |
| Assets per employee ($millions) | 4.6917% | 2,846 |
| Cash dividends to net income (ytd only)* | 32.4580% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,168 |
| Loan loss allowance to noncurrent loans | 184.3465% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 2,784 |
| Noncurrent loans to loans | 0.7260% | 2,541 |
| Net loans and leases to total assets | 78.5983% | 1,181 |
| Net loans and leases to deposits | 98.4266% | 874 |
| Net loans and leases to core deposits | 104.8101% | 1,345 |
| Total domestic deposits to total assets | 79.8548% | 4,343 |
| Equity capital to assets | 10.9294% | 2,934 |
| Core capital (leverage) ratio | 10.2377% | 3,267 |
| Tier 1 risk-based capital ratio | 11.5941% | 4,888 |
| Total risk-based capital ratio | 12.8239% | 4,797 |
| Memoranda: | ||
| Average total assets | $459,248,500 | 1,526 |
| Average earning assets | $424,836,500 | 1,531 |
| Average equity | $48,433,500 | 1,575 |
| Average total loans | $362,114,000 | 1,347 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 2,301 |
| Cost of funding earning assets | 0.6261% | 1,296 |
| Net interest margin | 3.6212% | 2,946 |
| Noninterest income to average assets | 0.6908% | 2,030 |
| Noninterest expense to average assets | 2.6681% | 3,205 |
| Loan and lease loss provision to assets | 0.0130% | 3,696 |
| Net operating income to assets | 0.9435% | 2,698 |
| Return on assets (ROA) | 0.9504% | 2,714 |
| Pretax return on assets | 1.3699% | 2,140 |
| Return on Equity (ROE) | 9.1212% | 2,453 |
| Retained earnings to average equity (ytd only) | 6.6211% | 1,786 |
| Net charge-offs to loans | -0.0077% | 4,453 |
| Credit loss provision to net charge-offs | -214.2857% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6065% | 3,410 |
| Assets per employee ($millions) | 4.8654% | 2,568 |
| Cash dividends to net income (ytd only)* | 27.4098% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 2,124 |
| Loan loss allowance to noncurrent loans | 169.0715% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 2,685 |
| Noncurrent loans to loans | 0.8037% | 2,390 |
| Net loans and leases to total assets | 76.9283% | 1,394 |
| Net loans and leases to deposits | 95.7955% | 1,099 |
| Net loans and leases to core deposits | 101.3346% | 1,563 |
| Total domestic deposits to total assets | 80.3047% | 4,348 |
| Equity capital to assets | 10.6205% | 3,207 |
| Core capital (leverage) ratio | 9.9434% | 3,604 |
| Tier 1 risk-based capital ratio | 11.3796% | 5,032 |
| Total risk-based capital ratio | 12.6161% | 4,934 |
| Memoranda: | ||
| Average total assets | $460,633,000 | 1,524 |
| Average earning assets | $426,157,330 | 1,531 |
| Average equity | $47,998,330 | 1,586 |
| Average total loans | $361,969,000 | 1,351 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 2,295 |
| Cost of funding earning assets | 0.6061% | 1,334 |
| Net interest margin | 3.5889% | 2,927 |
| Noninterest income to average assets | 0.6437% | 2,208 |
| Noninterest expense to average assets | 2.7470% | 2,964 |
| Loan and lease loss provision to assets | 0.0261% | 3,233 |
| Net operating income to assets | 0.8315% | 3,073 |
| Return on assets (ROA) | 0.8455% | 3,054 |
| Pretax return on assets | 1.2074% | 2,565 |
| Return on Equity (ROE) | 8.1934% | 2,815 |
| Retained earnings to average equity (ytd only) | 5.6646% | 2,511 |
| Net charge-offs to loans | -0.0243% | 4,841 |
| Credit loss provision to net charge-offs | -136.3636% | 3,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9436% | 3,057 |
| Assets per employee ($millions) | 4.9397% | 2,525 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,334 |
| Loan loss allowance to noncurrent loans | 161.3285% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6549% | 2,669 |
| Noncurrent loans to loans | 0.8314% | 2,377 |
| Net loans and leases to total assets | 77.7193% | 1,172 |
| Net loans and leases to deposits | 96.4677% | 898 |
| Net loans and leases to core deposits | 102.0490% | 1,363 |
| Total domestic deposits to total assets | 80.5651% | 4,508 |
| Equity capital to assets | 10.3152% | 3,393 |
| Core capital (leverage) ratio | 9.8530% | 3,688 |
| Tier 1 risk-based capital ratio | 11.1399% | 5,234 |
| Total risk-based capital ratio | 12.3780% | 5,137 |
| Memoranda: | ||
| Average total assets | $459,844,000 | 1,533 |
| Average earning assets | $424,980,500 | 1,543 |
| Average equity | $47,453,000 | 1,601 |
| Average total loans | $362,719,000 | 1,352 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 1,591 |
| Cost of funding earning assets | 0.5885% | 1,420 |
| Net interest margin | 3.8934% | 1,990 |
| Noninterest income to average assets | 0.6706% | 2,314 |
| Noninterest expense to average assets | 2.7943% | 3,040 |
| Loan and lease loss provision to assets | -0.0193% | 5,522 |
| Net operating income to assets | 1.0187% | 2,270 |
| Return on assets (ROA) | 1.0382% | 2,291 |
| Pretax return on assets | 1.5026% | 1,575 |
| Return on Equity (ROE) | 9.7828% | 2,063 |
| Retained earnings to average equity (ytd only) | 3.3636% | 3,527 |
| Net charge-offs to loans | -0.0067% | 4,858 |
| Credit loss provision to net charge-offs | 369.5652% | 847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3057% | 3,705 |
| Assets per employee ($millions) | 4.7932% | 2,662 |
| Cash dividends to net income (ytd only)* | 65.6168% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 2,304 |
| Loan loss allowance to noncurrent loans | 20,225.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,412 |
| Noncurrent loans to loans | 0.0067% | 5,282 |
| Net loans and leases to total assets | 77.9176% | 1,207 |
| Net loans and leases to deposits | 95.6035% | 1,031 |
| Net loans and leases to core deposits | 98.9445% | 1,714 |
| Total domestic deposits to total assets | 81.5008% | 4,207 |
| Equity capital to assets | 10.3236% | 3,361 |
| Core capital (leverage) ratio | 9.8856% | 3,650 |
| Tier 1 risk-based capital ratio | 11.2822% | 5,179 |
| Total risk-based capital ratio | 12.5322% | 5,076 |
| Memoranda: | ||
| Average total assets | $440,359,800 | 1,538 |
| Average earning assets | $404,763,800 | 1,550 |
| Average equity | $46,735,200 | 1,618 |
| Average total loans | $342,278,200 | 1,368 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5108% | 1,502 |
| Cost of funding earning assets | 0.5854% | 1,450 |
| Net interest margin | 3.9254% | 1,891 |
| Noninterest income to average assets | 0.6700% | 2,310 |
| Noninterest expense to average assets | 2.8342% | 2,893 |
| Loan and lease loss provision to assets | -0.0260% | 5,685 |
| Net operating income to assets | 1.0162% | 2,356 |
| Return on assets (ROA) | 1.0425% | 2,356 |
| Pretax return on assets | 1.5061% | 1,691 |
| Return on Equity (ROE) | 9.7540% | 2,170 |
| Retained earnings to average equity (ytd only) | 2.6114% | 4,350 |
| Net charge-offs to loans | -0.0513% | 5,380 |
| Credit loss provision to net charge-offs | 65.3846% | 2,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8430% | 3,615 |
| Assets per employee ($millions) | 4.6977% | 2,754 |
| Cash dividends to net income (ytd only)* | 73.2278% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,992 |
| Loan loss allowance to noncurrent loans | 3,180.1282% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 5,345 |
| Noncurrent loans to loans | 0.0455% | 5,179 |
| Net loans and leases to total assets | 76.5908% | 1,426 |
| Net loans and leases to deposits | 95.4617% | 1,104 |
| Net loans and leases to core deposits | 99.2523% | 1,707 |
| Total domestic deposits to total assets | 80.2320% | 4,460 |
| Equity capital to assets | 10.6926% | 3,359 |
| Core capital (leverage) ratio | 9.7796% | 3,833 |
| Tier 1 risk-based capital ratio | 11.7309% | 4,963 |
| Total risk-based capital ratio | 12.9821% | 4,863 |
| Memoranda: | ||
| Average total assets | $436,611,250 | 1,550 |
| Average earning assets | $401,105,750 | 1,562 |
| Average equity | $46,666,750 | 1,626 |
| Average total loans | $337,934,000 | 1,385 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 1,453 |
| Cost of funding earning assets | 0.5793% | 1,473 |
| Net interest margin | 3.9450% | 1,827 |
| Noninterest income to average assets | 0.6483% | 2,377 |
| Noninterest expense to average assets | 2.8932% | 2,698 |
| Loan and lease loss provision to assets | -0.0391% | 5,814 |
| Net operating income to assets | 0.9711% | 2,520 |
| Return on assets (ROA) | 1.0047% | 2,506 |
| Pretax return on assets | 1.4563% | 1,816 |
| Return on Equity (ROE) | 9.4012% | 2,314 |
| Retained earnings to average equity (ytd only) | 2.9473% | 4,040 |
| Net charge-offs to loans | -0.0702% | 5,502 |
| Credit loss provision to net charge-offs | 72.0339% | 2,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4903% | 3,449 |
| Assets per employee ($millions) | 4.5640% | 2,917 |
| Cash dividends to net income (ytd only)* | 68.6499% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 2,185 |
| Loan loss allowance to noncurrent loans | 2,486.9347% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 5,316 |
| Noncurrent loans to loans | 0.0573% | 5,225 |
| Net loans and leases to total assets | 78.0975% | 1,187 |
| Net loans and leases to deposits | 96.6588% | 1,008 |
| Net loans and leases to core deposits | 100.3513% | 1,608 |
| Total domestic deposits to total assets | 80.7970% | 4,332 |
| Equity capital to assets | 10.7482% | 3,346 |
| Core capital (leverage) ratio | 9.7861% | 3,828 |
| Tier 1 risk-based capital ratio | 11.5637% | 5,109 |
| Total risk-based capital ratio | 12.8148% | 5,004 |
| Memoranda: | ||
| Average total assets | $434,952,670 | 1,563 |
| Average earning assets | $398,379,670 | 1,576 |
| Average equity | $46,483,330 | 1,633 |
| Average total loans | $336,186,670 | 1,389 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 1,427 |
| Cost of funding earning assets | 0.5778% | 1,492 |
| Net interest margin | 3.9527% | 1,776 |
| Noninterest income to average assets | 0.6295% | 2,370 |
| Noninterest expense to average assets | 2.9445% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8952% | 2,778 |
| Return on assets (ROA) | 0.9276% | 2,720 |
| Pretax return on assets | 1.3375% | 2,144 |
| Return on Equity (ROE) | 8.7053% | 2,555 |
| Retained earnings to average equity (ytd only) | 0.0433% | 5,095 |
| Net charge-offs to loans | -0.1548% | 5,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1369% | 3,276 |
| Assets per employee ($millions) | 4.4346% | 3,197 |
| Cash dividends to net income (ytd only)* | 99.5025% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,878 |
| Loan loss allowance to noncurrent loans | 856.3667% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 4,940 |
| Noncurrent loans to loans | 0.1781% | 4,772 |
| Net loans and leases to total assets | 74.9214% | 1,567 |
| Net loans and leases to deposits | 89.5533% | 1,635 |
| Net loans and leases to core deposits | 92.8883% | 2,099 |
| Total domestic deposits to total assets | 83.6613% | 3,653 |
| Equity capital to assets | 10.6403% | 3,322 |
| Core capital (leverage) ratio | 9.7583% | 3,832 |
| Tier 1 risk-based capital ratio | 11.8427% | 5,018 |
| Total risk-based capital ratio | 13.0947% | 4,924 |
| Memoranda: | ||
| Average total assets | $433,356,000 | 1,568 |
| Average earning assets | $395,278,500 | 1,588 |
| Average equity | $46,178,500 | 1,635 |
| Average total loans | $330,715,000 | 1,399 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 1,458 |
| Cost of funding earning assets | 0.6187% | 1,242 |
| Net interest margin | 3.9310% | 1,928 |
| Noninterest income to average assets | 0.6876% | 2,259 |
| Noninterest expense to average assets | 2.9622% | 2,666 |
| Loan and lease loss provision to assets | 0.0317% | 3,734 |
| Net operating income to assets | 0.9118% | 2,804 |
| Return on assets (ROA) | 0.9248% | 2,821 |
| Pretax return on assets | 1.2977% | 2,296 |
| Return on Equity (ROE) | 8.6431% | 2,650 |
| Retained earnings to average equity (ytd only) | 3.7086% | 3,414 |
| Net charge-offs to loans | 0.0323% | 3,576 |
| Credit loss provision to net charge-offs | 129.8077% | 2,019 |
| Earnings coverage of net charge-offs (x) | 53.7212% | 953 |
| Efficiency ratio | 68.8852% | 3,425 |
| Assets per employee ($millions) | 4.4094% | 3,200 |
| Cash dividends to net income (ytd only)* | 57.0921% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 2,076 |
| Loan loss allowance to noncurrent loans | 915.4562% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 4,999 |
| Noncurrent loans to loans | 0.1623% | 4,844 |
| Net loans and leases to total assets | 75.4113% | 1,508 |
| Net loans and leases to deposits | 87.8130% | 1,900 |
| Net loans and leases to core deposits | 91.0792% | 2,309 |
| Total domestic deposits to total assets | 85.8772% | 2,692 |
| Equity capital to assets | 10.6719% | 3,164 |
| Core capital (leverage) ratio | 9.8342% | 3,729 |
| Tier 1 risk-based capital ratio | 11.7788% | 5,088 |
| Total risk-based capital ratio | 13.0303% | 5,003 |
| Memoranda: | ||
| Average total assets | $426,142,200 | 1,559 |
| Average earning assets | $388,705,000 | 1,569 |
| Average equity | $45,597,200 | 1,613 |
| Average total loans | $322,140,200 | 1,380 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 1,480 |
| Cost of funding earning assets | 0.6293% | 1,219 |
| Net interest margin | 3.9137% | 1,984 |
| Noninterest income to average assets | 0.6700% | 2,387 |
| Noninterest expense to average assets | 3.0073% | 2,496 |
| Loan and lease loss provision to assets | 0.0628% | 2,927 |
| Net operating income to assets | 0.8395% | 3,223 |
| Return on assets (ROA) | 0.8418% | 3,297 |
| Pretax return on assets | 1.1705% | 2,928 |
| Return on Equity (ROE) | 7.8618% | 3,159 |
| Retained earnings to average equity (ytd only) | 3.4632% | 4,000 |
| Net charge-offs to loans | 0.0267% | 3,409 |
| Credit loss provision to net charge-offs | 312.5000% | 935 |
| Earnings coverage of net charge-offs (x) | 61.2196% | 909 |
| Efficiency ratio | 70.5765% | 3,117 |
| Assets per employee ($millions) | 4.3313% | 3,273 |
| Cash dividends to net income (ytd only)* | 55.9492% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 2,019 |
| Loan loss allowance to noncurrent loans | 622.9529% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 4,804 |
| Noncurrent loans to loans | 0.2463% | 4,692 |
| Net loans and leases to total assets | 75.9269% | 1,396 |
| Net loans and leases to deposits | 88.6338% | 1,817 |
| Net loans and leases to core deposits | 91.7299% | 2,292 |
| Total domestic deposits to total assets | 85.6636% | 2,709 |
| Equity capital to assets | 10.7714% | 3,273 |
| Core capital (leverage) ratio | 9.7732% | 3,937 |
| Tier 1 risk-based capital ratio | 11.8475% | 5,169 |
| Total risk-based capital ratio | 13.0995% | 5,092 |
| Memoranda: | ||
| Average total assets | $424,648,250 | 1,576 |
| Average earning assets | $387,077,250 | 1,585 |
| Average equity | $45,467,750 | 1,627 |
| Average total loans | $319,979,750 | 1,395 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 1,446 |
| Cost of funding earning assets | 0.6332% | 1,212 |
| Net interest margin | 3.8988% | 1,984 |
| Noninterest income to average assets | 0.6320% | 2,568 |
| Noninterest expense to average assets | 2.8914% | 2,928 |
| Loan and lease loss provision to assets | 0.0942% | 2,242 |
| Net operating income to assets | 0.8621% | 3,072 |
| Return on assets (ROA) | 0.8655% | 3,159 |
| Pretax return on assets | 1.2060% | 2,758 |
| Return on Equity (ROE) | 8.0999% | 2,991 |
| Retained earnings to average equity (ytd only) | 5.8964% | 2,305 |
| Net charge-offs to loans | 0.0642% | 2,461 |
| Credit loss provision to net charge-offs | 196.0784% | 1,256 |
| Earnings coverage of net charge-offs (x) | 26.9706% | 1,463 |
| Efficiency ratio | 68.6649% | 3,558 |
| Assets per employee ($millions) | 4.3429% | 3,228 |
| Cash dividends to net income (ytd only)* | 27.2035% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 1,952 |
| Loan loss allowance to noncurrent loans | 479.5958% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 4,708 |
| Noncurrent loans to loans | 0.3307% | 4,506 |
| Net loans and leases to total assets | 71.9185% | 1,994 |
| Net loans and leases to deposits | 83.7421% | 2,342 |
| Net loans and leases to core deposits | 86.4827% | 2,719 |
| Total domestic deposits to total assets | 85.8809% | 2,755 |
| Equity capital to assets | 10.6578% | 3,264 |
| Core capital (leverage) ratio | 9.7307% | 3,965 |
| Tier 1 risk-based capital ratio | 12.2844% | 4,947 |
| Total risk-based capital ratio | 13.5371% | 4,848 |
| Memoranda: | ||
| Average total assets | $424,709,000 | 1,584 |
| Average earning assets | $387,249,670 | 1,597 |
| Average equity | $45,383,330 | 1,640 |
| Average total loans | $317,538,000 | 1,409 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 1,533 |
| Cost of funding earning assets | 0.6267% | 1,258 |
| Net interest margin | 3.8482% | 2,076 |
| Noninterest income to average assets | 0.5876% | 2,715 |
| Noninterest expense to average assets | 2.9055% | 2,889 |
| Loan and lease loss provision to assets | 0.0758% | 2,433 |
| Net operating income to assets | 0.8074% | 3,221 |
| Return on assets (ROA) | 0.8074% | 3,343 |
| Pretax return on assets | 1.1154% | 3,016 |
| Return on Equity (ROE) | 7.5459% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.5459% | 1,744 |
| Net charge-offs to loans | 0.0226% | 2,699 |
| Credit loss provision to net charge-offs | 444.4444% | 603 |
| Earnings coverage of net charge-offs (x) | 69.8333% | 644 |
| Efficiency ratio | 70.5066% | 3,394 |
| Assets per employee ($millions) | 4.5396% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 2,246 |
| Loan loss allowance to noncurrent loans | 407.8318% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 4,628 |
| Noncurrent loans to loans | 0.3791% | 4,455 |
| Net loans and leases to total assets | 73.0410% | 1,647 |
| Net loans and leases to deposits | 86.0637% | 1,822 |
| Net loans and leases to core deposits | 88.7147% | 2,251 |
| Total domestic deposits to total assets | 84.8685% | 3,469 |
| Equity capital to assets | 10.6002% | 3,427 |
| Core capital (leverage) ratio | 9.6604% | 4,059 |
| Tier 1 risk-based capital ratio | 12.1919% | 5,118 |
| Total risk-based capital ratio | 13.4446% | 5,022 |
| Memoranda: | ||
| Average total assets | $422,089,500 | 1,602 |
| Average earning assets | $384,903,500 | 1,609 |
| Average equity | $45,163,500 | 1,650 |
| Average total loans | $319,209,500 | 1,406 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 1,638 |
| Cost of funding earning assets | 0.6588% | 1,348 |
| Net interest margin | 3.9113% | 2,199 |
| Noninterest income to average assets | 0.6067% | 2,817 |
| Noninterest expense to average assets | 2.9077% | 3,126 |
| Loan and lease loss provision to assets | 0.0665% | 3,169 |
| Net operating income to assets | 0.8443% | 3,149 |
| Return on assets (ROA) | 0.8608% | 3,158 |
| Pretax return on assets | 1.2004% | 2,651 |
| Return on Equity (ROE) | 8.0021% | 3,138 |
| Retained earnings to average equity (ytd only) | 1.2606% | 5,211 |
| Net charge-offs to loans | 0.0140% | 4,606 |
| Credit loss provision to net charge-offs | 639.5349% | 415 |
| Earnings coverage of net charge-offs (x) | 119.6744% | 441 |
| Efficiency ratio | 68.1164% | 3,882 |
| Assets per employee ($millions) | 4.2569% | 3,440 |
| Cash dividends to net income (ytd only)* | 84.2460% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 2,323 |
| Loan loss allowance to noncurrent loans | 418.5947% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 4,728 |
| Noncurrent loans to loans | 0.3664% | 4,555 |
| Net loans and leases to total assets | 75.9448% | 1,275 |
| Net loans and leases to deposits | 91.5405% | 1,343 |
| Net loans and leases to core deposits | 94.0427% | 1,916 |
| Total domestic deposits to total assets | 82.9631% | 4,091 |
| Equity capital to assets | 10.8042% | 3,114 |
| Core capital (leverage) ratio | 9.7792% | 3,864 |
| Tier 1 risk-based capital ratio | 11.8344% | 5,472 |
| Total risk-based capital ratio | 13.0868% | 5,379 |
| Memoranda: | ||
| Average total assets | $413,689,800 | 1,595 |
| Average earning assets | $374,938,800 | 1,612 |
| Average equity | $44,501,000 | 1,625 |
| Average total loans | $307,569,200 | 1,394 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 1,725 |
| Cost of funding earning assets | 0.6665% | 1,345 |
| Net interest margin | 3.8763% | 2,332 |
| Noninterest income to average assets | 0.5995% | 2,875 |
| Noninterest expense to average assets | 2.8784% | 3,202 |
| Loan and lease loss provision to assets | 0.0886% | 2,582 |
| Net operating income to assets | 0.8201% | 3,340 |
| Return on assets (ROA) | 0.8373% | 3,334 |
| Pretax return on assets | 1.1655% | 2,925 |
| Return on Equity (ROE) | 7.7918% | 3,320 |
| Retained earnings to average equity (ytd only) | 4.1942% | 3,663 |
| Net charge-offs to loans | 0.0109% | 4,353 |
| Credit loss provision to net charge-offs | 1,100.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 152.7714% | 410 |
| Efficiency ratio | 68.1041% | 3,836 |
| Assets per employee ($millions) | 4.1924% | 3,501 |
| Cash dividends to net income (ytd only)* | 46.1716% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 2,387 |
| Loan loss allowance to noncurrent loans | 312.4920% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 4,303 |
| Noncurrent loans to loans | 0.5047% | 4,417 |
| Net loans and leases to total assets | 74.4730% | 1,446 |
| Net loans and leases to deposits | 90.6152% | 1,368 |
| Net loans and leases to core deposits | 93.0074% | 1,953 |
| Total domestic deposits to total assets | 82.1860% | 4,416 |
| Equity capital to assets | 11.0487% | 2,902 |
| Core capital (leverage) ratio | 9.9477% | 3,743 |
| Tier 1 risk-based capital ratio | 12.1823% | 5,378 |
| Total risk-based capital ratio | 13.4349% | 5,294 |
| Memoranda: | ||
| Average total assets | $413,882,000 | 1,609 |
| Average earning assets | $374,681,000 | 1,627 |
| Average equity | $44,473,000 | 1,625 |
| Average total loans | $304,842,250 | 1,417 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 1,894 |
| Cost of funding earning assets | 0.6718% | 1,363 |
| Net interest margin | 3.8097% | 2,535 |
| Noninterest income to average assets | 0.5616% | 3,039 |
| Noninterest expense to average assets | 2.8600% | 3,314 |
| Loan and lease loss provision to assets | 0.1326% | 1,872 |
| Net operating income to assets | 0.7364% | 3,639 |
| Return on assets (ROA) | 0.7621% | 3,610 |
| Pretax return on assets | 1.0518% | 3,274 |
| Return on Equity (ROE) | 7.1594% | 3,541 |
| Retained earnings to average equity (ytd only) | 4.4423% | 3,346 |
| Net charge-offs to loans | -0.0165% | 5,478 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3482% | 3,770 |
| Assets per employee ($millions) | 4.1882% | 3,479 |
| Cash dividends to net income (ytd only)* | 37.9507% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 2,507 |
| Loan loss allowance to noncurrent loans | 263.0377% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 4,184 |
| Noncurrent loans to loans | 0.6040% | 4,214 |
| Net loans and leases to total assets | 73.9910% | 1,445 |
| Net loans and leases to deposits | 88.6317% | 1,516 |
| Net loans and leases to core deposits | 90.8926% | 2,042 |
| Total domestic deposits to total assets | 83.4814% | 4,119 |
| Equity capital to assets | 10.8391% | 3,039 |
| Core capital (leverage) ratio | 9.6645% | 4,092 |
| Tier 1 risk-based capital ratio | 12.4156% | 5,286 |
| Total risk-based capital ratio | 13.6692% | 5,202 |
| Memoranda: | ||
| Average total assets | $414,892,000 | 1,607 |
| Average earning assets | $375,411,000 | 1,622 |
| Average equity | $44,166,000 | 1,616 |
| Average total loans | $302,830,670 | 1,420 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 1,970 |
| Cost of funding earning assets | 0.6647% | 1,477 |
| Net interest margin | 3.7819% | 2,545 |
| Noninterest income to average assets | 0.5397% | 3,110 |
| Noninterest expense to average assets | 2.8230% | 3,477 |
| Loan and lease loss provision to assets | 0.1205% | 1,987 |
| Net operating income to assets | 0.7431% | 3,463 |
| Return on assets (ROA) | 0.7431% | 3,546 |
| Pretax return on assets | 1.0236% | 3,235 |
| Return on Equity (ROE) | 7.0446% | 3,458 |
| Retained earnings to average equity (ytd only) | 4.3035% | 3,548 |
| Net charge-offs to loans | -0.0657% | 5,935 |
| Credit loss provision to net charge-offs | -255.1020% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1205% | 3,979 |
| Assets per employee ($millions) | 4.2856% | 3,370 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 2,704 |
| Loan loss allowance to noncurrent loans | 244.0344% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 4,262 |
| Noncurrent loans to loans | 0.6557% | 4,224 |
| Net loans and leases to total assets | 70.6822% | 1,777 |
| Net loans and leases to deposits | 84.2209% | 1,800 |
| Net loans and leases to core deposits | 86.5871% | 2,254 |
| Total domestic deposits to total assets | 83.9247% | 4,297 |
| Equity capital to assets | 10.5122% | 3,236 |
| Core capital (leverage) ratio | 9.6508% | 4,061 |
| Tier 1 risk-based capital ratio | 12.5110% | 5,307 |
| Total risk-based capital ratio | 13.7643% | 5,244 |
| Memoranda: | ||
| Average total assets | $415,023,500 | 1,615 |
| Average earning assets | $376,109,000 | 1,629 |
| Average equity | $43,778,000 | 1,620 |
| Average total loans | $298,375,500 | 1,450 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,524 |
| Cost of funding earning assets | 0.7468% | 1,516 |
| Net interest margin | 3.9713% | 2,035 |
| Noninterest income to average assets | 0.6431% | 2,845 |
| Noninterest expense to average assets | 2.8967% | 3,378 |
| Loan and lease loss provision to assets | 0.6431% | 375 |
| Net operating income to assets | 0.5250% | 4,616 |
| Return on assets (ROA) | 0.5368% | 4,700 |
| Pretax return on assets | 0.7028% | 4,533 |
| Return on Equity (ROE) | 4.8911% | 4,679 |
| Retained earnings to average equity (ytd only) | -4.6169% | 6,347 |
| Net charge-offs to loans | 1.2367% | 422 |
| Credit loss provision to net charge-offs | 71.2749% | 3,273 |
| Earnings coverage of net charge-offs (x) | 1.4744% | 4,559 |
| Efficiency ratio | 66.6207% | 4,451 |
| Assets per employee ($millions) | 4.1006% | 3,651 |
| Cash dividends to net income (ytd only)* | 194.3942% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 2,851 |
| Loan loss allowance to noncurrent loans | 393.9881% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 4,766 |
| Noncurrent loans to loans | 0.4002% | 5,009 |
| Net loans and leases to total assets | 70.8226% | 1,875 |
| Net loans and leases to deposits | 84.6222% | 1,848 |
| Net loans and leases to core deposits | 86.6564% | 2,383 |
| Total domestic deposits to total assets | 83.6926% | 4,284 |
| Equity capital to assets | 10.5853% | 3,066 |
| Core capital (leverage) ratio | 9.6240% | 4,085 |
| Tier 1 risk-based capital ratio | 12.5790% | 5,241 |
| Total risk-based capital ratio | 13.8320% | 5,190 |
| Memoranda: | ||
| Average total assets | $412,049,000 | 1,601 |
| Average earning assets | $371,867,800 | 1,628 |
| Average equity | $45,225,000 | 1,546 |
| Average total loans | $300,636,200 | 1,403 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 1,586 |
| Cost of funding earning assets | 0.7612% | 1,537 |
| Net interest margin | 3.9437% | 2,134 |
| Noninterest income to average assets | 0.6629% | 2,810 |
| Noninterest expense to average assets | 2.9278% | 3,219 |
| Loan and lease loss provision to assets | 0.7110% | 308 |
| Net operating income to assets | 0.4567% | 5,002 |
| Return on assets (ROA) | 0.4660% | 5,094 |
| Pretax return on assets | 0.5940% | 5,036 |
| Return on Equity (ROE) | 4.2089% | 5,128 |
| Retained earnings to average equity (ytd only) | -2.5043% | 6,312 |
| Net charge-offs to loans | 1.3689% | 381 |
| Credit loss provision to net charge-offs | 70.9449% | 3,052 |
| Earnings coverage of net charge-offs (x) | 1.2902% | 4,405 |
| Efficiency ratio | 67.4273% | 4,201 |
| Assets per employee ($millions) | 4.1056% | 3,626 |
| Cash dividends to net income (ytd only)* | 159.5006% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 3,004 |
| Loan loss allowance to noncurrent loans | 82.4919% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.5564% | 2,601 |
| Noncurrent loans to loans | 1.9380% | 2,317 |
| Net loans and leases to total assets | 72.2606% | 1,560 |
| Net loans and leases to deposits | 87.7652% | 1,394 |
| Net loans and leases to core deposits | 90.7931% | 1,891 |
| Total domestic deposits to total assets | 82.3340% | 4,812 |
| Equity capital to assets | 10.9386% | 2,818 |
| Core capital (leverage) ratio | 9.8062% | 3,947 |
| Tier 1 risk-based capital ratio | 12.9162% | 5,180 |
| Total risk-based capital ratio | 14.1701% | 5,117 |
| Memoranda: | ||
| Average total assets | $412,546,250 | 1,608 |
| Average earning assets | $372,192,500 | 1,632 |
| Average equity | $45,679,750 | 1,545 |
| Average total loans | $302,028,250 | 1,399 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,581 |
| Cost of funding earning assets | 0.7667% | 1,608 |
| Net interest margin | 3.9297% | 2,115 |
| Noninterest income to average assets | 0.6442% | 2,942 |
| Noninterest expense to average assets | 2.8722% | 3,431 |
| Loan and lease loss provision to assets | 0.6292% | 396 |
| Net operating income to assets | 0.5278% | 4,675 |
| Return on assets (ROA) | 0.5416% | 4,763 |
| Pretax return on assets | 0.7057% | 4,666 |
| Return on Equity (ROE) | 4.8719% | 4,792 |
| Retained earnings to average equity (ytd only) | -1.6588% | 6,149 |
| Net charge-offs to loans | 0.6333% | 1,041 |
| Credit loss provision to net charge-offs | 135.8412% | 1,664 |
| Earnings coverage of net charge-offs (x) | 2.8433% | 3,569 |
| Efficiency ratio | 66.6089% | 4,431 |
| Assets per employee ($millions) | 4.1971% | 3,363 |
| Cash dividends to net income (ytd only)* | 134.0483% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 1,899 |
| Loan loss allowance to noncurrent loans | 63.9662% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 2.4305% | 1,752 |
| Noncurrent loans to loans | 3.0925% | 1,430 |
| Net loans and leases to total assets | 73.0562% | 1,395 |
| Net loans and leases to deposits | 89.0586% | 1,220 |
| Net loans and leases to core deposits | 92.2756% | 1,680 |
| Total domestic deposits to total assets | 82.0316% | 5,051 |
| Equity capital to assets | 10.9717% | 2,782 |
| Core capital (leverage) ratio | 9.8195% | 3,771 |
| Tier 1 risk-based capital ratio | 12.8727% | 5,242 |
| Total risk-based capital ratio | 14.1310% | 5,170 |
| Memoranda: | ||
| Average total assets | $413,209,330 | 1,606 |
| Average earning assets | $372,752,330 | 1,628 |
| Average equity | $45,936,670 | 1,542 |
| Average total loans | $302,207,330 | 1,394 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 1,437 |
| Cost of funding earning assets | 0.7661% | 1,739 |
| Net interest margin | 3.9715% | 1,887 |
| Noninterest income to average assets | 0.6191% | 3,031 |
| Noninterest expense to average assets | 2.8347% | 3,586 |
| Loan and lease loss provision to assets | 1.2073% | 132 |
| Net operating income to assets | 0.1816% | 5,944 |
| Return on assets (ROA) | 0.1893% | 6,036 |
| Pretax return on assets | 0.1700% | 6,133 |
| Return on Equity (ROE) | 1.6918% | 6,031 |
| Retained earnings to average equity (ytd only) | -2.6240% | 6,153 |
| Net charge-offs to loans | 0.4280% | 1,387 |
| Credit loss provision to net charge-offs | 389.4081% | 652 |
| Earnings coverage of net charge-offs (x) | 4.4174% | 2,564 |
| Efficiency ratio | 65.4721% | 4,748 |
| Assets per employee ($millions) | 4.2616% | 3,407 |
| Cash dividends to net income (ytd only)* | 255.1020% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2074% | 1,572 |
| Loan loss allowance to noncurrent loans | 62.4589% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.5786% | 1,779 |
| Noncurrent loans to loans | 3.5342% | 1,352 |
| Net loans and leases to total assets | 69.8279% | 1,691 |
| Net loans and leases to deposits | 84.5800% | 1,519 |
| Net loans and leases to core deposits | 87.5206% | 1,954 |
| Total domestic deposits to total assets | 82.5584% | 5,005 |
| Equity capital to assets | 10.9360% | 3,035 |
| Core capital (leverage) ratio | 9.7985% | 3,665 |
| Tier 1 risk-based capital ratio | 13.0722% | 5,164 |
| Total risk-based capital ratio | 14.3333% | 5,110 |
| Memoranda: | ||
| Average total assets | $414,158,000 | 1,618 |
| Average earning assets | $373,861,500 | 1,637 |
| Average equity | $46,341,000 | 1,547 |
| Average total loans | $300,034,500 | 1,414 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 1,154 |
| Cost of funding earning assets | 0.9346% | 1,738 |
| Net interest margin | 4.2452% | 1,532 |
| Noninterest income to average assets | 0.6441% | 3,025 |
| Noninterest expense to average assets | 2.8408% | 3,875 |
| Loan and lease loss provision to assets | 0.4243% | 1,500 |
| Net operating income to assets | 0.8505% | 3,039 |
| Return on assets (ROA) | 0.8605% | 3,242 |
| Pretax return on assets | 1.1825% | 2,856 |
| Return on Equity (ROE) | 7.6978% | 3,233 |
| Retained earnings to average equity (ytd only) | 6.3583% | 1,896 |
| Net charge-offs to loans | 0.6134% | 1,905 |
| Credit loss provision to net charge-offs | 92.1909% | 3,386 |
| Earnings coverage of net charge-offs (x) | 3.4615% | 3,717 |
| Efficiency ratio | 62.1074% | 5,221 |
| Assets per employee ($millions) | 3.9845% | 3,982 |
| Cash dividends to net income (ytd only)* | 17.4014% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 2,253 |
| Loan loss allowance to noncurrent loans | 93.1456% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 3,044 |
| Noncurrent loans to loans | 2.0555% | 2,633 |
| Net loans and leases to total assets | 72.1167% | 1,470 |
| Net loans and leases to deposits | 88.2872% | 1,234 |
| Net loans and leases to core deposits | 91.4247% | 1,682 |
| Total domestic deposits to total assets | 81.6843% | 5,201 |
| Equity capital to assets | 11.4521% | 2,494 |
| Core capital (leverage) ratio | 10.1962% | 3,148 |
| Tier 1 risk-based capital ratio | 13.1596% | 4,992 |
| Total risk-based capital ratio | 14.4171% | 4,928 |
| Memoranda: | ||
| Average total assets | $400,690,400 | 1,632 |
| Average earning assets | $357,700,200 | 1,668 |
| Average equity | $44,791,800 | 1,554 |
| Average total loans | $300,617,200 | 1,396 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1944% | 1,210 |
| Cost of funding earning assets | 0.9591% | 1,792 |
| Net interest margin | 4.2352% | 1,629 |
| Noninterest income to average assets | 0.6325% | 3,092 |
| Noninterest expense to average assets | 2.8245% | 3,893 |
| Loan and lease loss provision to assets | 0.3740% | 1,728 |
| Net operating income to assets | 0.8799% | 3,080 |
| Return on assets (ROA) | 0.8933% | 3,245 |
| Pretax return on assets | 1.2272% | 2,882 |
| Return on Equity (ROE) | 8.0412% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.2375% | 2,534 |
| Net charge-offs to loans | 0.4504% | 2,307 |
| Credit loss provision to net charge-offs | 110.1278% | 2,667 |
| Earnings coverage of net charge-offs (x) | 4.6608% | 3,236 |
| Efficiency ratio | 62.0776% | 5,136 |
| Assets per employee ($millions) | 3.8265% | 4,240 |
| Cash dividends to net income (ytd only)* | 22.4299% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 2,320 |
| Loan loss allowance to noncurrent loans | 81.0980% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.9328% | 2,737 |
| Noncurrent loans to loans | 2.4068% | 2,394 |
| Net loans and leases to total assets | 76.0645% | 966 |
| Net loans and leases to deposits | 94.7744% | 731 |
| Net loans and leases to core deposits | 99.0145% | 1,190 |
| Total domestic deposits to total assets | 80.2585% | 5,587 |
| Equity capital to assets | 11.6199% | 2,626 |
| Core capital (leverage) ratio | 10.2240% | 3,261 |
| Tier 1 risk-based capital ratio | 12.8325% | 5,384 |
| Total risk-based capital ratio | 14.0908% | 5,346 |
| Memoranda: | ||
| Average total assets | $399,259,000 | 1,655 |
| Average earning assets | $355,864,500 | 1,696 |
| Average equity | $44,354,000 | 1,586 |
| Average total loans | $301,067,750 | 1,405 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 1,381 |
| Cost of funding earning assets | 0.9873% | 1,845 |
| Net interest margin | 4.1615% | 1,865 |
| Noninterest income to average assets | 0.6075% | 3,211 |
| Noninterest expense to average assets | 2.8027% | 4,012 |
| Loan and lease loss provision to assets | 0.4090% | 1,607 |
| Net operating income to assets | 0.8082% | 3,360 |
| Return on assets (ROA) | 0.8285% | 3,518 |
| Pretax return on assets | 1.1258% | 3,205 |
| Return on Equity (ROE) | 7.5719% | 3,465 |
| Retained earnings to average equity (ytd only) | 4.8367% | 3,375 |
| Net charge-offs to loans | 0.5249% | 2,016 |
| Credit loss provision to net charge-offs | 104.3257% | 2,613 |
| Earnings coverage of net charge-offs (x) | 3.8448% | 3,253 |
| Efficiency ratio | 62.9904% | 5,083 |
| Assets per employee ($millions) | 3.9675% | 3,946 |
| Cash dividends to net income (ytd only)* | 36.1228% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 2,326 |
| Loan loss allowance to noncurrent loans | 76.4416% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.9990% | 2,780 |
| Noncurrent loans to loans | 2.5712% | 2,341 |
| Net loans and leases to total assets | 74.1603% | 1,220 |
| Net loans and leases to deposits | 91.4572% | 1,008 |
| Net loans and leases to core deposits | 94.7725% | 1,528 |
| Total domestic deposits to total assets | 81.0874% | 5,438 |
| Equity capital to assets | 11.2357% | 2,856 |
| Core capital (leverage) ratio | 9.5426% | 4,088 |
| Tier 1 risk-based capital ratio | 13.0341% | 5,163 |
| Total risk-based capital ratio | 14.2934% | 5,131 |
| Memoranda: | ||
| Average total assets | $400,967,330 | 1,644 |
| Average earning assets | $356,745,000 | 1,692 |
| Average equity | $43,872,670 | 1,595 |
| Average total loans | $299,502,330 | 1,419 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1634% | 1,400 |
| Cost of funding earning assets | 1.0041% | 1,957 |
| Net interest margin | 4.1593% | 1,898 |
| Noninterest income to average assets | 0.6202% | 3,105 |
| Noninterest expense to average assets | 2.7727% | 4,150 |
| Loan and lease loss provision to assets | 0.3672% | 1,716 |
| Net operating income to assets | 0.8604% | 3,105 |
| Return on assets (ROA) | 0.8604% | 3,334 |
| Pretax return on assets | 1.1720% | 3,020 |
| Return on Equity (ROE) | 7.9687% | 3,296 |
| Retained earnings to average equity (ytd only) | 3.3731% | 4,546 |
| Net charge-offs to loans | 0.4104% | 2,073 |
| Credit loss provision to net charge-offs | 120.5212% | 1,975 |
| Earnings coverage of net charge-offs (x) | 5.0521% | 2,452 |
| Efficiency ratio | 62.2785% | 5,223 |
| Assets per employee ($millions) | 3.9906% | 4,031 |
| Cash dividends to net income (ytd only)* | 57.6701% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9510% | 2,522 |
| Loan loss allowance to noncurrent loans | 147.7936% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1460% | 4,216 |
| Noncurrent loans to loans | 1.3201% | 4,135 |
| Net loans and leases to total assets | 73.9164% | 1,083 |
| Net loans and leases to deposits | 89.8784% | 974 |
| Net loans and leases to core deposits | 94.2391% | 1,448 |
| Total domestic deposits to total assets | 82.2404% | 5,215 |
| Equity capital to assets | 10.8463% | 3,086 |
| Core capital (leverage) ratio | 9.4277% | 4,159 |
| Tier 1 risk-based capital ratio | 12.1421% | 5,866 |
| Total risk-based capital ratio | 13.4005% | 5,839 |
| Memoranda: | ||
| Average total assets | $403,078,000 | 1,640 |
| Average earning assets | $357,748,500 | 1,694 |
| Average equity | $43,520,500 | 1,606 |
| Average total loans | $299,190,000 | 1,415 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 1,819 |
| Cost of funding earning assets | 1.2275% | 1,853 |
| Net interest margin | 4.0361% | 2,701 |
| Noninterest income to average assets | 0.7107% | 2,544 |
| Noninterest expense to average assets | 2.8055% | 4,327 |
| Loan and lease loss provision to assets | 0.5454% | 1,915 |
| Net operating income to assets | 0.7306% | 3,333 |
| Return on assets (ROA) | 0.7740% | 3,324 |
| Pretax return on assets | 1.0280% | 3,129 |
| Return on Equity (ROE) | 6.8589% | 3,460 |
| Retained earnings to average equity (ytd only) | 5.6657% | 2,196 |
| Net charge-offs to loans | 0.4198% | 3,330 |
| Credit loss provision to net charge-offs | 174.4186% | 1,512 |
| Earnings coverage of net charge-offs (x) | 4.8467% | 2,960 |
| Efficiency ratio | 63.1513% | 5,270 |
| Assets per employee ($millions) | 4.0311% | 3,786 |
| Cash dividends to net income (ytd only)* | 17.3974% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 2,309 |
| Loan loss allowance to noncurrent loans | 137.5469% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 4,203 |
| Noncurrent loans to loans | 1.4477% | 3,997 |
| Net loans and leases to total assets | 71.6107% | 1,710 |
| Net loans and leases to deposits | 86.6883% | 1,578 |
| Net loans and leases to core deposits | 90.9302% | 1,997 |
| Total domestic deposits to total assets | 82.6071% | 4,920 |
| Equity capital to assets | 10.7478% | 3,248 |
| Core capital (leverage) ratio | 9.3214% | 4,293 |
| Tier 1 risk-based capital ratio | 11.7894% | 5,964 |
| Total risk-based capital ratio | 13.0451% | 5,941 |
| Memoranda: | ||
| Average total assets | $371,310,800 | 1,758 |
| Average earning assets | $332,125,000 | 1,785 |
| Average equity | $41,901,600 | 1,604 |
| Average total loans | $276,552,200 | 1,534 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3001% | 1,856 |
| Cost of funding earning assets | 1.2790% | 1,825 |
| Net interest margin | 4.0211% | 2,829 |
| Noninterest income to average assets | 0.7130% | 2,523 |
| Noninterest expense to average assets | 2.8415% | 4,187 |
| Loan and lease loss provision to assets | 0.3027% | 3,108 |
| Net operating income to assets | 0.8694% | 2,861 |
| Return on assets (ROA) | 0.8894% | 2,936 |
| Pretax return on assets | 1.2010% | 2,630 |
| Return on Equity (ROE) | 7.7792% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.1746% | 2,447 |
| Net charge-offs to loans | 0.4381% | 2,971 |
| Credit loss provision to net charge-offs | 92.2819% | 3,698 |
| Earnings coverage of net charge-offs (x) | 4.5011% | 3,051 |
| Efficiency ratio | 64.1400% | 5,038 |
| Assets per employee ($millions) | 4.3345% | 3,205 |
| Cash dividends to net income (ytd only)* | 20.6271% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 3,073 |
| Loan loss allowance to noncurrent loans | 206.0150% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 5,123 |
| Noncurrent loans to loans | 0.8538% | 5,160 |
| Net loans and leases to total assets | 70.6096% | 1,961 |
| Net loans and leases to deposits | 83.4337% | 2,104 |
| Net loans and leases to core deposits | 88.2890% | 2,449 |
| Total domestic deposits to total assets | 84.6296% | 3,950 |
| Equity capital to assets | 11.0154% | 3,129 |
| Core capital (leverage) ratio | 10.2551% | 3,125 |
| Tier 1 risk-based capital ratio | 12.1041% | 5,814 |
| Total risk-based capital ratio | 13.3591% | 5,804 |
| Memoranda: | ||
| Average total assets | $363,362,000 | 1,796 |
| Average earning assets | $325,772,000 | 1,826 |
| Average equity | $41,545,750 | 1,625 |
| Average total loans | $272,057,250 | 1,570 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4326% | 1,468 |
| Cost of funding earning assets | 1.3459% | 1,668 |
| Net interest margin | 4.0867% | 2,457 |
| Noninterest income to average assets | 0.7025% | 2,538 |
| Noninterest expense to average assets | 2.8941% | 4,042 |
| Loan and lease loss provision to assets | 0.2962% | 3,031 |
| Net operating income to assets | 0.8745% | 2,751 |
| Return on assets (ROA) | 0.9000% | 2,750 |
| Pretax return on assets | 1.2132% | 2,429 |
| Return on Equity (ROE) | 7.7672% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.7672% | 1,544 |
| Net charge-offs to loans | 0.2310% | 3,740 |
| Credit loss provision to net charge-offs | 168.8103% | 1,790 |
| Earnings coverage of net charge-offs (x) | 8.4051% | 2,064 |
| Efficiency ratio | 64.5486% | 5,140 |
| Assets per employee ($millions) | 4.0161% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 2,563 |
| Loan loss allowance to noncurrent loans | 164.4592% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 1.1522% | 4,580 |
| Noncurrent loans to loans | 1.1755% | 4,687 |
| Net loans and leases to total assets | 74.8546% | 1,256 |
| Net loans and leases to deposits | 90.1043% | 1,258 |
| Net loans and leases to core deposits | 92.4644% | 2,076 |
| Total domestic deposits to total assets | 83.0755% | 4,724 |
| Equity capital to assets | 11.9613% | 2,115 |
| Core capital (leverage) ratio | 10.3982% | 2,832 |
| Tier 1 risk-based capital ratio | 13.0992% | 4,839 |
| Total risk-based capital ratio | 14.3565% | 4,807 |
| Memoranda: | ||
| Average total assets | $354,447,000 | 1,850 |
| Average earning assets | $318,003,330 | 1,876 |
| Average equity | $41,070,330 | 1,631 |
| Average total loans | $269,281,330 | 1,604 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4286% | 1,481 |
| Cost of funding earning assets | 1.3537% | 1,865 |
| Net interest margin | 4.0749% | 2,365 |
| Noninterest income to average assets | 0.6964% | 2,601 |
| Noninterest expense to average assets | 2.9265% | 3,963 |
| Loan and lease loss provision to assets | 0.2535% | 3,123 |
| Net operating income to assets | 0.8711% | 2,698 |
| Return on assets (ROA) | 0.8711% | 2,755 |
| Pretax return on assets | 1.1697% | 2,484 |
| Return on Equity (ROE) | 7.6404% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.6404% | 1,867 |
| Net charge-offs to loans | 0.3315% | 2,728 |
| Credit loss provision to net charge-offs | 100.8969% | 2,617 |
| Earnings coverage of net charge-offs (x) | 5.6637% | 2,237 |
| Efficiency ratio | 65.5959% | 5,105 |
| Assets per employee ($millions) | 4.0057% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 2,838 |
| Loan loss allowance to noncurrent loans | 441.9611% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 5,549 |
| Noncurrent loans to loans | 0.4198% | 6,157 |
| Net loans and leases to total assets | 73.4021% | 1,435 |
| Net loans and leases to deposits | 87.6328% | 1,502 |
| Net loans and leases to core deposits | 96.4742% | 1,638 |
| Total domestic deposits to total assets | 83.7609% | 4,590 |
| Equity capital to assets | 11.3766% | 2,364 |
| Core capital (leverage) ratio | 10.2106% | 2,916 |
| Tier 1 risk-based capital ratio | 12.4631% | 5,298 |
| Total risk-based capital ratio | 13.7189% | 5,269 |
| Memoranda: | ||
| Average total assets | $354,962,500 | 1,861 |
| Average earning assets | $318,238,500 | 1,883 |
| Average equity | $40,469,000 | 1,645 |
| Average total loans | $269,040,500 | 1,623 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7053% | 1,555 |
| Cost of funding earning assets | 1.6132% | 1,991 |
| Net interest margin | 4.0921% | 2,604 |
| Noninterest income to average assets | 0.7835% | 2,359 |
| Noninterest expense to average assets | 2.9369% | 4,078 |
| Loan and lease loss provision to assets | 0.4552% | 3,394 |
| Net operating income to assets | 0.8078% | 2,765 |
| Return on assets (ROA) | 0.8078% | 2,902 |
| Pretax return on assets | 1.0364% | 2,826 |
| Return on Equity (ROE) | 7.2008% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.2008% | 1,237 |
| Net charge-offs to loans | 0.2112% | 5,024 |
| Credit loss provision to net charge-offs | 280.2491% | 967 |
| Earnings coverage of net charge-offs (x) | 9.1833% | 1,861 |
| Efficiency ratio | 64.0801% | 5,338 |
| Assets per employee ($millions) | 3.9260% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 2,655 |
| Loan loss allowance to noncurrent loans | 395.6487% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 5,500 |
| Noncurrent loans to loans | 0.4708% | 6,100 |
| Net loans and leases to total assets | 75.3990% | 1,402 |
| Net loans and leases to deposits | 90.2184% | 1,495 |
| Net loans and leases to core deposits | 101.7154% | 1,477 |
| Total domestic deposits to total assets | 83.5738% | 4,572 |
| Equity capital to assets | 11.4261% | 2,326 |
| Core capital (leverage) ratio | 9.9941% | 3,103 |
| Tier 1 risk-based capital ratio | 12.1159% | 5,367 |
| Total risk-based capital ratio | 13.3723% | 5,342 |
| Memoranda: | ||
| Average total assets | $346,006,400 | 1,885 |
| Average earning assets | $308,202,800 | 1,934 |
| Average equity | $38,815,000 | 1,702 |
| Average total loans | $266,049,400 | 1,670 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7397% | 1,578 |
| Cost of funding earning assets | 1.6717% | 2,000 |
| Net interest margin | 4.0680% | 2,771 |
| Noninterest income to average assets | 0.7734% | 2,368 |
| Noninterest expense to average assets | 2.9022% | 4,083 |
| Loan and lease loss provision to assets | 0.4732% | 3,113 |
| Net operating income to assets | 0.7803% | 3,086 |
| Return on assets (ROA) | 0.7803% | 3,247 |
| Pretax return on assets | 1.0152% | 3,128 |
| Return on Equity (ROE) | 6.9887% | 3,352 |
| Retained earnings to average equity (ytd only) | 6.9887% | 1,853 |
| Net charge-offs to loans | 0.1879% | 4,827 |
| Credit loss provision to net charge-offs | 327.5401% | 973 |
| Earnings coverage of net charge-offs (x) | 10.3022% | 1,898 |
| Efficiency ratio | 64.3586% | 5,184 |
| Assets per employee ($millions) | 4.0039% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8252% | 2,705 |
| Loan loss allowance to noncurrent loans | 408.6993% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 5,676 |
| Noncurrent loans to loans | 0.4466% | 6,295 |
| Net loans and leases to total assets | 75.5913% | 1,480 |
| Net loans and leases to deposits | 88.7734% | 1,893 |
| Net loans and leases to core deposits | 108.8520% | 1,105 |
| Total domestic deposits to total assets | 85.1508% | 3,548 |
| Equity capital to assets | 11.6023% | 2,452 |
| Core capital (leverage) ratio | 9.7494% | 3,554 |
| Tier 1 risk-based capital ratio | 11.9378% | 5,521 |
| Total risk-based capital ratio | 13.1937% | 5,484 |
| Memoranda: | ||
| Average total assets | $345,155,000 | 1,921 |
| Average earning assets | $306,908,000 | 1,968 |
| Average equity | $38,537,750 | 1,729 |
| Average total loans | $265,448,250 | 1,686 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7280% | 1,661 |
| Cost of funding earning assets | 1.7051% | 2,097 |
| Net interest margin | 4.0229% | 2,907 |
| Noninterest income to average assets | 0.7330% | 2,498 |
| Noninterest expense to average assets | 2.8475% | 4,272 |
| Loan and lease loss provision to assets | 0.4921% | 2,834 |
| Net operating income to assets | 0.7533% | 3,181 |
| Return on assets (ROA) | 0.7533% | 3,336 |
| Pretax return on assets | 0.9669% | 3,251 |
| Return on Equity (ROE) | 6.8354% | 3,379 |
| Retained earnings to average equity (ytd only) | 6.8354% | 1,912 |
| Net charge-offs to loans | 0.2854% | 3,910 |
| Credit loss provision to net charge-offs | 224.2744% | 1,731 |
| Earnings coverage of net charge-offs (x) | 6.6491% | 2,427 |
| Efficiency ratio | 64.3453% | 5,270 |
| Assets per employee ($millions) | 3.8059% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 3,172 |
| Loan loss allowance to noncurrent loans | 990.6667% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 6,155 |
| Noncurrent loans to loans | 0.1688% | 6,920 |
| Net loans and leases to total assets | 75.6652% | 1,554 |
| Net loans and leases to deposits | 88.4186% | 2,108 |
| Net loans and leases to core deposits | 99.6714% | 2,056 |
| Total domestic deposits to total assets | 85.5761% | 3,331 |
| Equity capital to assets | 11.2374% | 2,653 |
| Core capital (leverage) ratio | 9.5423% | 3,756 |
| Tier 1 risk-based capital ratio | 11.4370% | 5,839 |
| Total risk-based capital ratio | 12.6909% | 5,801 |
| Memoranda: | ||
| Average total assets | $345,428,000 | 1,936 |
| Average earning assets | $306,844,000 | 1,988 |
| Average equity | $38,066,670 | 1,749 |
| Average total loans | $265,555,330 | 1,710 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6607% | 1,918 |
| Cost of funding earning assets | 1.7170% | 2,305 |
| Net interest margin | 3.9437% | 3,132 |
| Noninterest income to average assets | 0.6389% | 3,008 |
| Noninterest expense to average assets | 2.8327% | 4,359 |
| Loan and lease loss provision to assets | 0.4638% | 2,648 |
| Net operating income to assets | 0.6783% | 3,534 |
| Return on assets (ROA) | 0.6783% | 3,651 |
| Pretax return on assets | 0.8418% | 3,697 |
| Return on Equity (ROE) | 6.2167% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.2167% | 2,517 |
| Net charge-offs to loans | 0.4602% | 2,666 |
| Credit loss provision to net charge-offs | 131.1475% | 2,690 |
| Earnings coverage of net charge-offs (x) | 3.6918% | 2,822 |
| Efficiency ratio | 66.6013% | 4,987 |
| Assets per employee ($millions) | 3.8900% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 3,721 |
| Loan loss allowance to noncurrent loans | 647.0681% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 6,274 |
| Noncurrent loans to loans | 0.2373% | 6,865 |
| Net loans and leases to total assets | 75.6343% | 1,615 |
| Net loans and leases to deposits | 87.4318% | 2,326 |
| Net loans and leases to core deposits | 101.3865% | 1,984 |
| Total domestic deposits to total assets | 86.5067% | 2,890 |
| Equity capital to assets | 10.9833% | 2,780 |
| Core capital (leverage) ratio | 9.5214% | 3,738 |
| Tier 1 risk-based capital ratio | 11.2934% | 5,863 |
| Total risk-based capital ratio | 12.5457% | 5,825 |
| Memoranda: | ||
| Average total assets | $344,974,000 | 1,987 |
| Average earning assets | $306,110,500 | 2,043 |
| Average equity | $37,640,500 | 1,788 |
| Average total loans | $265,076,000 | 1,774 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 3,342 |
| Cost of funding earning assets | 2.0375% | 2,788 |
| Net interest margin | 3.6146% | 4,501 |
| Noninterest income to average assets | 0.7029% | 2,949 |
| Noninterest expense to average assets | 3.2934% | 3,027 |
| Loan and lease loss provision to assets | 1.3692% | 1,684 |
| Net operating income to assets | -0.3707% | 6,047 |
| Return on assets (ROA) | -0.3040% | 5,974 |
| Pretax return on assets | -0.6400% | 6,132 |
| Return on Equity (ROE) | -2.7944% | 5,956 |
| Retained earnings to average equity (ytd only) | -2.7944% | 5,656 |
| Net charge-offs to loans | 1.7181% | 1,463 |
| Credit loss provision to net charge-offs | 103.7596% | 5,323 |
| Earnings coverage of net charge-offs (x) | 0.4737% | 5,639 |
| Efficiency ratio | 82.0169% | 2,598 |
| Assets per employee ($millions) | 3.9061% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,670 |
| Loan loss allowance to noncurrent loans | 323.9643% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 5,718 |
| Noncurrent loans to loans | 0.4659% | 6,330 |
| Net loans and leases to total assets | 75.7052% | 1,878 |
| Net loans and leases to deposits | 88.8081% | 2,421 |
| Net loans and leases to core deposits | 121.4179% | 1,842 |
| Total domestic deposits to total assets | 85.2458% | 3,435 |
| Equity capital to assets | 10.8384% | 2,832 |
| Core capital (leverage) ratio | 9.3828% | 3,855 |
| Tier 1 risk-based capital ratio | 11.1188% | 5,812 |
| Total risk-based capital ratio | 12.3707% | 5,757 |
| Memoranda: | ||
| Average total assets | $346,697,400 | 1,969 |
| Average earning assets | $308,419,600 | 2,020 |
| Average equity | $37,718,800 | 1,774 |
| Average total loans | $266,277,800 | 1,799 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6394% | 3,638 |
| Cost of funding earning assets | 2.1037% | 2,877 |
| Net interest margin | 3.5357% | 4,718 |
| Noninterest income to average assets | 0.7096% | 2,954 |
| Noninterest expense to average assets | 3.2723% | 3,022 |
| Loan and lease loss provision to assets | 1.3431% | 1,443 |
| Net operating income to assets | -0.3807% | 6,290 |
| Return on assets (ROA) | -0.2920% | 6,205 |
| Pretax return on assets | -0.6186% | 6,411 |
| Return on Equity (ROE) | -2.6818% | 6,193 |
| Retained earnings to average equity (ytd only) | -2.6818% | 5,866 |
| Net charge-offs to loans | 1.7686% | 1,140 |
| Credit loss provision to net charge-offs | 98.8980% | 5,174 |
| Earnings coverage of net charge-offs (x) | 0.4315% | 5,601 |
| Efficiency ratio | 82.7531% | 2,467 |
| Assets per employee ($millions) | 3.1902% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 3,738 |
| Loan loss allowance to noncurrent loans | 133.7465% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 4,964 |
| Noncurrent loans to loans | 1.0767% | 5,155 |
| Net loans and leases to total assets | 75.7304% | 2,054 |
| Net loans and leases to deposits | 92.0226% | 2,224 |
| Net loans and leases to core deposits | 126.3363% | 1,707 |
| Total domestic deposits to total assets | 82.2955% | 4,543 |
| Equity capital to assets | 11.0876% | 2,934 |
| Core capital (leverage) ratio | 9.4799% | 3,936 |
| Tier 1 risk-based capital ratio | 11.2443% | 5,696 |
| Total risk-based capital ratio | 12.4941% | 5,645 |
| Memoranda: | ||
| Average total assets | $347,436,750 | 1,973 |
| Average earning assets | $309,410,750 | 2,032 |
| Average equity | $37,834,500 | 1,797 |
| Average total loans | $266,793,000 | 1,813 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6304% | 3,909 |
| Cost of funding earning assets | 2.2017% | 2,783 |
| Net interest margin | 3.4287% | 5,067 |
| Noninterest income to average assets | 0.6925% | 3,035 |
| Noninterest expense to average assets | 3.3102% | 2,916 |
| Loan and lease loss provision to assets | 1.8314% | 900 |
| Net operating income to assets | -0.7984% | 6,831 |
| Return on assets (ROA) | -0.6662% | 6,728 |
| Pretax return on assets | -1.1910% | 6,936 |
| Return on Equity (ROE) | -6.1538% | 6,726 |
| Retained earnings to average equity (ytd only) | -6.1538% | 6,471 |
| Net charge-offs to loans | 2.5040% | 688 |
| Credit loss provision to net charge-offs | 95.2664% | 4,762 |
| Earnings coverage of net charge-offs (x) | 0.2257% | 5,447 |
| Efficiency ratio | 86.3039% | 2,199 |
| Assets per employee ($millions) | 3.1977% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 3,762 |
| Loan loss allowance to noncurrent loans | 144.9465% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 5,168 |
| Noncurrent loans to loans | 0.9611% | 5,302 |
| Net loans and leases to total assets | 76.3695% | 2,091 |
| Net loans and leases to deposits | 96.1289% | 1,776 |
| Net loans and leases to core deposits | 128.1586% | 1,702 |
| Total domestic deposits to total assets | 79.4449% | 5,675 |
| Equity capital to assets | 10.8186% | 3,092 |
| Core capital (leverage) ratio | 8.8509% | 4,859 |
| Tier 1 risk-based capital ratio | 10.6668% | 6,217 |
| Total risk-based capital ratio | 11.9173% | 6,151 |
| Memoranda: | ||
| Average total assets | $349,464,670 | 1,980 |
| Average earning assets | $311,025,670 | 2,047 |
| Average equity | $37,830,000 | 1,808 |
| Average total loans | $268,295,670 | 1,837 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6946% | 3,833 |
| Cost of funding earning assets | 2.2784% | 2,802 |
| Net interest margin | 3.4163% | 5,075 |
| Noninterest income to average assets | 0.6484% | 3,206 |
| Noninterest expense to average assets | 3.0379% | 3,599 |
| Loan and lease loss provision to assets | 0.3383% | 3,293 |
| Net operating income to assets | 0.3405% | 5,110 |
| Return on assets (ROA) | 0.3405% | 5,294 |
| Pretax return on assets | 0.3157% | 5,640 |
| Return on Equity (ROE) | 3.1450% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.1450% | 4,125 |
| Net charge-offs to loans | 0.2330% | 3,242 |
| Credit loss provision to net charge-offs | 189.8734% | 2,316 |
| Earnings coverage of net charge-offs (x) | 3.6709% | 3,103 |
| Efficiency ratio | 80.1466% | 2,795 |
| Assets per employee ($millions) | 3.3134% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 3,163 |
| Loan loss allowance to noncurrent loans | 107.3501% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.2278% | 4,230 |
| Noncurrent loans to loans | 1.3652% | 4,273 |
| Net loans and leases to total assets | 75.0613% | 2,492 |
| Net loans and leases to deposits | 93.6699% | 2,324 |
| Net loans and leases to core deposits | 124.6612% | 2,023 |
| Total domestic deposits to total assets | 80.1339% | 5,318 |
| Equity capital to assets | 10.9016% | 3,072 |
| Core capital (leverage) ratio | 9.4281% | 4,072 |
| Tier 1 risk-based capital ratio | 11.4425% | 5,466 |
| Total risk-based capital ratio | 12.6940% | 5,361 |
| Memoranda: | ||
| Average total assets | $354,721,000 | 1,958 |
| Average earning assets | $316,017,000 | 2,019 |
| Average equity | $38,410,000 | 1,769 |
| Average total loans | $271,187,000 | 1,827 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5756% | 2,602 |
| Cost of funding earning assets | 2.9878% | 1,908 |
| Net interest margin | 3.5877% | 4,942 |
| Noninterest income to average assets | 0.7211% | 2,980 |
| Noninterest expense to average assets | 5.4400% | 515 |
| Loan and lease loss provision to assets | 0.5392% | 2,669 |
| Net operating income to assets | -1.4533% | 7,447 |
| Return on assets (ROA) | -1.4533% | 7,390 |
| Pretax return on assets | -2.1237% | 7,477 |
| Return on Equity (ROE) | -13.0667% | 7,496 |
| Retained earnings to average equity (ytd only) | -13.0667% | 7,335 |
| Net charge-offs to loans | 0.4804% | 2,434 |
| Credit loss provision to net charge-offs | 147.6628% | 3,573 |
| Earnings coverage of net charge-offs (x) | -4.3395% | 6,815 |
| Efficiency ratio | 75.8691% | 3,253 |
| Assets per employee ($millions) | 3.3169% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 3,190 |
| Loan loss allowance to noncurrent loans | 147.9070% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 4,170 |
| Noncurrent loans to loans | 0.9475% | 4,711 |
| Net loans and leases to total assets | 75.6483% | 2,720 |
| Net loans and leases to deposits | 96.1230% | 2,428 |
| Net loans and leases to core deposits | 132.2760% | 1,705 |
| Total domestic deposits to total assets | 78.6996% | 5,482 |
| Equity capital to assets | 10.7549% | 3,244 |
| Core capital (leverage) ratio | 9.6776% | 3,797 |
| Tier 1 risk-based capital ratio | 11.5296% | 5,213 |
| Total risk-based capital ratio | 12.7802% | 5,106 |
| Memoranda: | ||
| Average total assets | $357,388,800 | 1,872 |
| Average earning assets | $312,231,600 | 1,950 |
| Average equity | $39,750,000 | 1,697 |
| Average total loans | $271,633,400 | 1,762 |