Home > Citizens Union Bank of Shelbyville > Performance and Condition Ratios
Citizens Union Bank of Shelbyville, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 1,719 |
| Cost of funding earning assets | 0.3538% | 1,909 |
| Net interest margin | 3.5100% | 1,702 |
| Noninterest income to average assets | 0.9152% | 1,164 |
| Noninterest expense to average assets | 3.0182% | 951 |
| Loan and lease loss provision to assets | 0.0260% | 2,537 |
| Net operating income to assets | 0.8722% | 3,131 |
| Return on assets (ROA) | 0.8722% | 3,193 |
| Pretax return on assets | 1.1052% | 2,954 |
| Return on Equity (ROE) | 7.8101% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.8101% | 1,614 |
| Net charge-offs to loans | 0.0264% | 1,713 |
| Credit loss provision to net charge-offs | 148.9362% | 1,496 |
| Earnings coverage of net charge-offs (x) | 64.6915% | 1,131 |
| Efficiency ratio | 72.7377% | 1,430 |
| Assets per employee ($millions) | 6.8227% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,415 |
| Loan loss allowance to noncurrent loans | 1,969.9332% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,540 |
| Noncurrent loans to loans | 0.0654% | 3,617 |
| Net loans and leases to total assets | 61.2813% | 2,038 |
| Net loans and leases to deposits | 72.6752% | 1,845 |
| Net loans and leases to core deposits | 73.3778% | 2,123 |
| Total domestic deposits to total assets | 84.3222% | 3,469 |
| Equity capital to assets | 11.1321% | 1,708 |
| Core capital (leverage) ratio | 10.6658% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,075,100,600 | 911 |
| Average earning assets | $990,648,600 | 913 |
| Average equity | $120,062,200 | 861 |
| Average total loans | $712,252,000 | 867 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 1,941 |
| Cost of funding earning assets | 0.3760% | 1,889 |
| Net interest margin | 3.4597% | 1,977 |
| Noninterest income to average assets | 0.9272% | 1,197 |
| Noninterest expense to average assets | 2.5584% | 1,961 |
| Loan and lease loss provision to assets | 0.0349% | 2,302 |
| Net operating income to assets | 1.1946% | 2,187 |
| Return on assets (ROA) | 1.1946% | 2,243 |
| Pretax return on assets | 1.5204% | 1,940 |
| Return on Equity (ROE) | 10.6883% | 2,484 |
| Retained earnings to average equity (ytd only) | 10.6883% | 1,125 |
| Net charge-offs to loans | 0.0232% | 1,576 |
| Credit loss provision to net charge-offs | 224.0000% | 1,159 |
| Earnings coverage of net charge-offs (x) | 99.6320% | 874 |
| Efficiency ratio | 62.1907% | 2,661 |
| Assets per employee ($millions) | 6.3044% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,735 |
| Loan loss allowance to noncurrent loans | 3,136.6197% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 3,494 |
| Noncurrent loans to loans | 0.0398% | 3,927 |
| Net loans and leases to total assets | 63.4363% | 1,846 |
| Net loans and leases to deposits | 75.6299% | 1,703 |
| Net loans and leases to core deposits | 76.3551% | 2,014 |
| Total domestic deposits to total assets | 83.8773% | 3,490 |
| Equity capital to assets | 11.1945% | 1,894 |
| Core capital (leverage) ratio | 10.9297% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,067,555,000 | 922 |
| Average earning assets | $983,299,000 | 931 |
| Average equity | $119,317,500 | 878 |
| Average total loans | $718,770,750 | 874 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 2,127 |
| Cost of funding earning assets | 0.4116% | 1,785 |
| Net interest margin | 3.3661% | 2,254 |
| Noninterest income to average assets | 0.9839% | 1,103 |
| Noninterest expense to average assets | 2.5947% | 1,874 |
| Loan and lease loss provision to assets | 0.0399% | 2,206 |
| Net operating income to assets | 1.1561% | 2,348 |
| Return on assets (ROA) | 1.1561% | 2,405 |
| Pretax return on assets | 1.4448% | 2,191 |
| Return on Equity (ROE) | 10.3496% | 2,640 |
| Retained earnings to average equity (ytd only) | 10.3496% | 1,301 |
| Net charge-offs to loans | 0.0314% | 1,344 |
| Credit loss provision to net charge-offs | 185.8407% | 1,075 |
| Earnings coverage of net charge-offs (x) | 69.2124% | 902 |
| Efficiency ratio | 63.6046% | 2,483 |
| Assets per employee ($millions) | 6.3005% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,773 |
| Loan loss allowance to noncurrent loans | 314.6463% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 2,136 |
| Noncurrent loans to loans | 0.3910% | 2,502 |
| Net loans and leases to total assets | 66.3437% | 1,658 |
| Net loans and leases to deposits | 79.6310% | 1,462 |
| Net loans and leases to core deposits | 80.4684% | 1,851 |
| Total domestic deposits to total assets | 83.3140% | 3,634 |
| Equity capital to assets | 11.2676% | 1,780 |
| Core capital (leverage) ratio | 10.7276% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,053,547,000 | 927 |
| Average earning assets | $968,844,667 | 933 |
| Average equity | $117,686,000 | 882 |
| Average total loans | $720,766,333 | 873 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 2,054 |
| Cost of funding earning assets | 0.4564% | 1,673 |
| Net interest margin | 3.3609% | 2,216 |
| Noninterest income to average assets | 0.9843% | 1,160 |
| Noninterest expense to average assets | 2.6459% | 1,752 |
| Loan and lease loss provision to assets | 0.0402% | 2,245 |
| Net operating income to assets | 1.0563% | 2,614 |
| Return on assets (ROA) | 1.0563% | 2,694 |
| Pretax return on assets | 1.3856% | 2,322 |
| Return on Equity (ROE) | 9.4985% | 2,855 |
| Retained earnings to average equity (ytd only) | 9.4985% | 1,799 |
| Net charge-offs to loans | 0.0006% | 1,923 |
| Credit loss provision to net charge-offs | 10,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 3,724.0000% | 12 |
| Efficiency ratio | 64.9835% | 2,355 |
| Assets per employee ($millions) | 6.1441% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,830 |
| Loan loss allowance to noncurrent loans | 173.0897% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 1,613 |
| Noncurrent loans to loans | 0.7037% | 1,831 |
| Net loans and leases to total assets | 67.1891% | 1,641 |
| Net loans and leases to deposits | 80.0709% | 1,519 |
| Net loans and leases to core deposits | 80.7970% | 1,933 |
| Total domestic deposits to total assets | 83.9121% | 3,466 |
| Equity capital to assets | 10.9644% | 1,887 |
| Core capital (leverage) ratio | 10.7090% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,044,780,000 | 922 |
| Average earning assets | $959,755,500 | 928 |
| Average equity | $116,186,500 | 884 |
| Average total loans | $721,426,500 | 874 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 1,544 |
| Cost of funding earning assets | 0.7499% | 1,444 |
| Net interest margin | 3.6652% | 1,929 |
| Noninterest income to average assets | 1.0092% | 1,031 |
| Noninterest expense to average assets | 2.8967% | 1,696 |
| Loan and lease loss provision to assets | 0.1595% | 2,378 |
| Net operating income to assets | 1.0715% | 2,018 |
| Return on assets (ROA) | 1.0715% | 2,163 |
| Pretax return on assets | 1.3516% | 1,814 |
| Return on Equity (ROE) | 9.3089% | 2,284 |
| Retained earnings to average equity (ytd only) | 3.8395% | 2,901 |
| Net charge-offs to loans | 0.0227% | 2,596 |
| Credit loss provision to net charge-offs | 955.9748% | 803 |
| Earnings coverage of net charge-offs (x) | 90.5723% | 836 |
| Efficiency ratio | 65.7176% | 2,573 |
| Assets per employee ($millions) | 5.7982% | 2,547 |
| Cash dividends to net income (ytd only)* | 58.7544% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,828 |
| Loan loss allowance to noncurrent loans | 304.4522% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 2,375 |
| Noncurrent loans to loans | 0.4017% | 2,769 |
| Net loans and leases to total assets | 69.2750% | 1,651 |
| Net loans and leases to deposits | 83.7464% | 1,485 |
| Net loans and leases to core deposits | 84.6305% | 1,981 |
| Total domestic deposits to total assets | 82.7200% | 3,487 |
| Equity capital to assets | 11.2844% | 2,030 |
| Core capital (leverage) ratio | 10.8166% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $953,028,600 | 921 |
| Average earning assets | $883,688,800 | 919 |
| Average equity | $109,701,800 | 891 |
| Average total loans | $701,307,600 | 867 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 1,696 |
| Cost of funding earning assets | 0.8041% | 1,478 |
| Net interest margin | 3.6472% | 2,104 |
| Noninterest income to average assets | 0.8886% | 1,262 |
| Noninterest expense to average assets | 2.8560% | 1,812 |
| Loan and lease loss provision to assets | 0.1025% | 3,036 |
| Net operating income to assets | 1.0465% | 2,165 |
| Return on assets (ROA) | 1.0465% | 2,290 |
| Pretax return on assets | 1.3232% | 1,963 |
| Return on Equity (ROE) | 9.0431% | 2,380 |
| Retained earnings to average equity (ytd only) | 6.5817% | 1,854 |
| Net charge-offs to loans | 0.0065% | 2,897 |
| Credit loss provision to net charge-offs | 2,117.6471% | 451 |
| Earnings coverage of net charge-offs (x) | 294.4412% | 363 |
| Efficiency ratio | 66.7010% | 2,367 |
| Assets per employee ($millions) | 5.7746% | 2,477 |
| Cash dividends to net income (ytd only)* | 27.2183% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 3,052 |
| Loan loss allowance to noncurrent loans | 122.8476% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 1,465 |
| Noncurrent loans to loans | 0.9177% | 1,625 |
| Net loans and leases to total assets | 69.6886% | 2,001 |
| Net loans and leases to deposits | 86.0306% | 1,704 |
| Net loans and leases to core deposits | 87.1118% | 2,224 |
| Total domestic deposits to total assets | 81.0044% | 3,663 |
| Equity capital to assets | 11.4551% | 2,047 |
| Core capital (leverage) ratio | 11.1194% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $936,163,000 | 927 |
| Average earning assets | $870,961,000 | 914 |
| Average equity | $108,338,250 | 892 |
| Average total loans | $697,710,000 | 865 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 1,709 |
| Cost of funding earning assets | 0.8708% | 1,493 |
| Net interest margin | 3.7043% | 2,143 |
| Noninterest income to average assets | 0.8588% | 1,265 |
| Noninterest expense to average assets | 2.8818% | 1,875 |
| Loan and lease loss provision to assets | 0.0924% | 3,113 |
| Net operating income to assets | 1.0492% | 2,154 |
| Return on assets (ROA) | 1.0492% | 2,289 |
| Pretax return on assets | 1.3320% | 1,929 |
| Return on Equity (ROE) | 9.0322% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.0322% | 998 |
| Net charge-offs to loans | 0.0006% | 3,021 |
| Credit loss provision to net charge-offs | 21,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 3,238.5000% | 18 |
| Efficiency ratio | 66.9220% | 2,390 |
| Assets per employee ($millions) | 5.5474% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,251 |
| Loan loss allowance to noncurrent loans | 82.5127% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 1,058 |
| Noncurrent loans to loans | 1.2922% | 1,203 |
| Net loans and leases to total assets | 72.9696% | 1,562 |
| Net loans and leases to deposits | 90.5547% | 1,302 |
| Net loans and leases to core deposits | 91.8766% | 1,916 |
| Total domestic deposits to total assets | 80.5807% | 3,710 |
| Equity capital to assets | 11.6317% | 1,889 |
| Core capital (leverage) ratio | 11.2917% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $909,443,333 | 933 |
| Average earning assets | $846,375,667 | 923 |
| Average equity | $105,644,000 | 910 |
| Average total loans | $691,501,000 | 866 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 1,476 |
| Cost of funding earning assets | 0.9936% | 1,444 |
| Net interest margin | 3.7845% | 2,037 |
| Noninterest income to average assets | 0.7408% | 1,494 |
| Noninterest expense to average assets | 2.9347% | 2,037 |
| Loan and lease loss provision to assets | 0.0553% | 3,074 |
| Net operating income to assets | 0.9912% | 2,203 |
| Return on assets (ROA) | 0.9912% | 2,303 |
| Pretax return on assets | 1.2733% | 1,955 |
| Return on Equity (ROE) | 8.5389% | 2,298 |
| Retained earnings to average equity (ytd only) | 8.5389% | 1,090 |
| Net charge-offs to loans | 0.0018% | 2,532 |
| Credit loss provision to net charge-offs | 4,000.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 960.6667% | 55 |
| Efficiency ratio | 68.8365% | 2,529 |
| Assets per employee ($millions) | 4.9171% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,158 |
| Loan loss allowance to noncurrent loans | 141.1809% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 1,906 |
| Noncurrent loans to loans | 0.7850% | 2,046 |
| Net loans and leases to total assets | 76.1192% | 1,281 |
| Net loans and leases to deposits | 95.6435% | 946 |
| Net loans and leases to core deposits | 97.5245% | 1,680 |
| Total domestic deposits to total assets | 79.5864% | 3,932 |
| Equity capital to assets | 11.5818% | 2,370 |
| Core capital (leverage) ratio | 11.3644% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $867,672,000 | 946 |
| Average earning assets | $807,603,500 | 936 |
| Average equity | $100,715,500 | 937 |
| Average total loans | $671,058,000 | 860 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 948 |
| Cost of funding earning assets | 1.0657% | 1,449 |
| Net interest margin | 4.1534% | 1,417 |
| Noninterest income to average assets | 0.8767% | 1,230 |
| Noninterest expense to average assets | 3.1795% | 1,568 |
| Loan and lease loss provision to assets | 0.0735% | 2,526 |
| Net operating income to assets | 1.1863% | 2,107 |
| Return on assets (ROA) | 1.1881% | 2,200 |
| Pretax return on assets | 1.4863% | 1,848 |
| Return on Equity (ROE) | 9.1767% | 2,678 |
| Retained earnings to average equity (ytd only) | -4.0721% | 4,953 |
| Net charge-offs to loans | 0.0090% | 3,361 |
| Credit loss provision to net charge-offs | 1,016.9492% | 337 |
| Earnings coverage of net charge-offs (x) | 215.4576% | 375 |
| Efficiency ratio | 67.1202% | 2,601 |
| Assets per employee ($millions) | 4.8867% | 2,724 |
| Cash dividends to net income (ytd only)* | 144.3745% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 2,878 |
| Loan loss allowance to noncurrent loans | 123.0398% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 1,602 |
| Noncurrent loans to loans | 0.9038% | 1,698 |
| Net loans and leases to total assets | 76.8543% | 1,286 |
| Net loans and leases to deposits | 95.3078% | 1,019 |
| Net loans and leases to core deposits | 97.2631% | 1,793 |
| Total domestic deposits to total assets | 80.6380% | 3,846 |
| Equity capital to assets | 11.6341% | 2,393 |
| Core capital (leverage) ratio | 11.2049% | 2,331 |
| Tier 1 risk-based capital ratio | 12.4886% | 4,075 |
| Total risk-based capital ratio | 13.4597% | 4,113 |
| Memoranda: | ||
| Average total assets | $816,165,000 | 957 |
| Average earning assets | $758,586,800 | 950 |
| Average equity | $105,669,600 | 862 |
| Average total loans | $652,411,800 | 851 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2936% | 878 |
| Cost of funding earning assets | 1.0574% | 1,511 |
| Net interest margin | 4.2362% | 1,291 |
| Noninterest income to average assets | 0.8523% | 1,265 |
| Noninterest expense to average assets | 3.1184% | 1,673 |
| Loan and lease loss provision to assets | 0.0694% | 2,489 |
| Net operating income to assets | 1.2797% | 1,921 |
| Return on assets (ROA) | 1.2797% | 2,003 |
| Pretax return on assets | 1.5996% | 1,639 |
| Return on Equity (ROE) | 9.6254% | 2,611 |
| Retained earnings to average equity (ytd only) | 9.6254% | 858 |
| Net charge-offs to loans | 0.0033% | 3,297 |
| Credit loss provision to net charge-offs | 2,625.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 631.0202% | 156 |
| Efficiency ratio | 65.1368% | 2,832 |
| Assets per employee ($millions) | 4.7234% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,135 |
| Loan loss allowance to noncurrent loans | 119.5319% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 1,676 |
| Noncurrent loans to loans | 0.9029% | 1,772 |
| Net loans and leases to total assets | 79.0611% | 982 |
| Net loans and leases to deposits | 100.9607% | 567 |
| Net loans and leases to core deposits | 103.1607% | 1,398 |
| Total domestic deposits to total assets | 78.3088% | 4,300 |
| Equity capital to assets | 13.2541% | 1,481 |
| Core capital (leverage) ratio | 12.8830% | 1,389 |
| Tier 1 risk-based capital ratio | 13.8538% | 3,398 |
| Total risk-based capital ratio | 14.7966% | 3,458 |
| Memoranda: | ||
| Average total assets | $806,412,500 | 970 |
| Average earning assets | $749,117,500 | 961 |
| Average equity | $107,214,000 | 846 |
| Average total loans | $649,357,250 | 853 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3043% | 810 |
| Cost of funding earning assets | 1.0117% | 1,636 |
| Net interest margin | 4.2926% | 1,157 |
| Noninterest income to average assets | 0.7862% | 1,393 |
| Noninterest expense to average assets | 3.1295% | 1,661 |
| Loan and lease loss provision to assets | 0.0604% | 2,617 |
| Net operating income to assets | 1.2665% | 1,888 |
| Return on assets (ROA) | 1.2665% | 1,954 |
| Pretax return on assets | 1.5769% | 1,618 |
| Return on Equity (ROE) | 9.5155% | 2,626 |
| Retained earnings to average equity (ytd only) | 9.5155% | 903 |
| Net charge-offs to loans | 0.0199% | 2,467 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 101.6875% | 689 |
| Efficiency ratio | 65.6516% | 2,859 |
| Assets per employee ($millions) | 4.5057% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,238 |
| Loan loss allowance to noncurrent loans | 197.3869% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 2,183 |
| Noncurrent loans to loans | 0.5418% | 2,649 |
| Net loans and leases to total assets | 80.1284% | 860 |
| Net loans and leases to deposits | 102.6507% | 502 |
| Net loans and leases to core deposits | 105.4059% | 1,281 |
| Total domestic deposits to total assets | 78.0593% | 4,383 |
| Equity capital to assets | 13.4200% | 1,367 |
| Core capital (leverage) ratio | 13.0736% | 1,261 |
| Tier 1 risk-based capital ratio | 13.5234% | 3,570 |
| Total risk-based capital ratio | 14.4440% | 3,646 |
| Memoranda: | ||
| Average total assets | $794,962,000 | 981 |
| Average earning assets | $737,171,000 | 976 |
| Average equity | $105,806,670 | 853 |
| Average total loans | $641,820,000 | 866 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3346% | 709 |
| Cost of funding earning assets | 0.9678% | 1,706 |
| Net interest margin | 4.3668% | 974 |
| Noninterest income to average assets | 0.6613% | 1,774 |
| Noninterest expense to average assets | 3.1327% | 1,651 |
| Loan and lease loss provision to assets | 0.0610% | 2,437 |
| Net operating income to assets | 1.2250% | 1,965 |
| Return on assets (ROA) | 1.2250% | 2,011 |
| Pretax return on assets | 1.5112% | 1,726 |
| Return on Equity (ROE) | 9.2435% | 2,695 |
| Retained earnings to average equity (ytd only) | 9.2435% | 1,238 |
| Net charge-offs to loans | 0.0511% | 1,555 |
| Credit loss provision to net charge-offs | 148.1481% | 1,253 |
| Earnings coverage of net charge-offs (x) | 38.1852% | 1,182 |
| Efficiency ratio | 66.5838% | 2,856 |
| Assets per employee ($millions) | 4.3723% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,322 |
| Loan loss allowance to noncurrent loans | 208.2855% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 2,033 |
| Noncurrent loans to loans | 0.5123% | 2,779 |
| Net loans and leases to total assets | 81.6051% | 634 |
| Net loans and leases to deposits | 103.2786% | 431 |
| Net loans and leases to core deposits | 106.0337% | 1,171 |
| Total domestic deposits to total assets | 79.0145% | 4,344 |
| Equity capital to assets | 13.5098% | 1,209 |
| Core capital (leverage) ratio | 12.8816% | 1,328 |
| Tier 1 risk-based capital ratio | 13.2283% | 3,754 |
| Total risk-based capital ratio | 14.1419% | 3,829 |
| Memoranda: | ||
| Average total assets | $786,930,000 | 989 |
| Average earning assets | $728,672,500 | 986 |
| Average equity | $104,290,000 | 856 |
| Average total loans | $634,286,500 | 877 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 941 |
| Cost of funding earning assets | 0.7695% | 1,691 |
| Net interest margin | 4.2829% | 1,195 |
| Noninterest income to average assets | 0.8774% | 1,238 |
| Noninterest expense to average assets | 3.3415% | 1,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1847% | 2,240 |
| Return on assets (ROA) | 1.1847% | 2,238 |
| Pretax return on assets | 1.4834% | 1,834 |
| Return on Equity (ROE) | 8.7345% | 3,127 |
| Retained earnings to average equity (ytd only) | 3.8429% | 3,467 |
| Net charge-offs to loans | 0.0089% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 210.9245% | 436 |
| Efficiency ratio | 69.2547% | 2,336 |
| Assets per employee ($millions) | 4.4955% | 3,181 |
| Cash dividends to net income (ytd only)* | 56.0036% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,105 |
| Loan loss allowance to noncurrent loans | 189.2512% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 1,956 |
| Noncurrent loans to loans | 0.5809% | 2,547 |
| Net loans and leases to total assets | 77.8749% | 1,287 |
| Net loans and leases to deposits | 97.4012% | 945 |
| Net loans and leases to core deposits | 99.8877% | 1,725 |
| Total domestic deposits to total assets | 79.9527% | 4,118 |
| Equity capital to assets | 12.9985% | 1,348 |
| Core capital (leverage) ratio | 12.7518% | 1,342 |
| Tier 1 risk-based capital ratio | 13.1161% | 3,780 |
| Total risk-based capital ratio | 14.0410% | 3,848 |
| Memoranda: | ||
| Average total assets | $753,593,000 | 998 |
| Average earning assets | $694,568,800 | 996 |
| Average equity | $102,215,600 | 832 |
| Average total loans | $592,986,200 | 909 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 1,183 |
| Cost of funding earning assets | 0.7237% | 1,730 |
| Net interest margin | 4.1664% | 1,451 |
| Noninterest income to average assets | 0.8625% | 1,304 |
| Noninterest expense to average assets | 3.3799% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0585% | 2,831 |
| Return on assets (ROA) | 1.0585% | 2,840 |
| Pretax return on assets | 1.3177% | 2,552 |
| Return on Equity (ROE) | 7.7183% | 3,658 |
| Retained earnings to average equity (ytd only) | 7.7183% | 1,785 |
| Net charge-offs to loans | 0.1013% | 1,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.5280% | 2,160 |
| Efficiency ratio | 71.9489% | 1,886 |
| Assets per employee ($millions) | 4.1522% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,303 |
| Loan loss allowance to noncurrent loans | 140.1259% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 1,369 |
| Noncurrent loans to loans | 0.7708% | 2,158 |
| Net loans and leases to total assets | 78.2539% | 1,304 |
| Net loans and leases to deposits | 99.7527% | 808 |
| Net loans and leases to core deposits | 102.2608% | 1,589 |
| Total domestic deposits to total assets | 78.4479% | 4,411 |
| Equity capital to assets | 13.8486% | 1,006 |
| Core capital (leverage) ratio | 13.3608% | 1,151 |
| Tier 1 risk-based capital ratio | 14.0486% | 3,350 |
| Total risk-based capital ratio | 14.9715% | 3,418 |
| Memoranda: | ||
| Average total assets | $744,187,500 | 1,005 |
| Average earning assets | $685,024,750 | 1,007 |
| Average equity | $102,058,000 | 835 |
| Average total loans | $585,481,000 | 920 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8410% | 1,148 |
| Cost of funding earning assets | 0.6791% | 1,748 |
| Net interest margin | 4.1619% | 1,372 |
| Noninterest income to average assets | 0.8780% | 1,245 |
| Noninterest expense to average assets | 3.3706% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0776% | 2,673 |
| Return on assets (ROA) | 1.0776% | 2,680 |
| Pretax return on assets | 1.3383% | 2,373 |
| Return on Equity (ROE) | 7.8839% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.8839% | 1,677 |
| Net charge-offs to loans | 0.1421% | 1,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.9952% | 2,232 |
| Efficiency ratio | 71.5794% | 2,072 |
| Assets per employee ($millions) | 3.9848% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,083 |
| Loan loss allowance to noncurrent loans | 149.6886% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 1,478 |
| Noncurrent loans to loans | 0.7560% | 2,229 |
| Net loans and leases to total assets | 77.3187% | 1,418 |
| Net loans and leases to deposits | 99.4636% | 842 |
| Net loans and leases to core deposits | 101.6535% | 1,586 |
| Total domestic deposits to total assets | 77.7356% | 4,628 |
| Equity capital to assets | 14.0267% | 924 |
| Core capital (leverage) ratio | 13.1986% | 1,160 |
| Tier 1 risk-based capital ratio | 14.2780% | 3,217 |
| Total risk-based capital ratio | 15.2439% | 3,286 |
| Memoranda: | ||
| Average total assets | $740,351,670 | 1,011 |
| Average earning assets | $681,470,670 | 1,015 |
| Average equity | $101,193,000 | 844 |
| Average total loans | $581,368,670 | 925 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 1,101 |
| Cost of funding earning assets | 0.6552% | 1,694 |
| Net interest margin | 4.1354% | 1,353 |
| Noninterest income to average assets | 0.8517% | 1,294 |
| Noninterest expense to average assets | 3.3896% | 1,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0264% | 2,746 |
| Return on assets (ROA) | 1.0264% | 2,765 |
| Pretax return on assets | 1.2663% | 2,491 |
| Return on Equity (ROE) | 7.6080% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.6080% | 1,987 |
| Net charge-offs to loans | 0.2515% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 6.3995% | 2,163 |
| Efficiency ratio | 72.8029% | 2,072 |
| Assets per employee ($millions) | 4.0686% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,270 |
| Loan loss allowance to noncurrent loans | 103.4510% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 1,135 |
| Noncurrent loans to loans | 1.0818% | 1,696 |
| Net loans and leases to total assets | 77.9728% | 1,243 |
| Net loans and leases to deposits | 99.4447% | 753 |
| Net loans and leases to core deposits | 108.3844% | 1,096 |
| Total domestic deposits to total assets | 78.4082% | 4,665 |
| Equity capital to assets | 13.6386% | 1,002 |
| Core capital (leverage) ratio | 12.6720% | 1,305 |
| Tier 1 risk-based capital ratio | 13.8513% | 3,464 |
| Total risk-based capital ratio | 14.8206% | 3,526 |
| Memoranda: | ||
| Average total assets | $743,926,500 | 1,015 |
| Average earning assets | $684,333,500 | 1,017 |
| Average equity | $100,367,500 | 850 |
| Average total loans | $585,357,500 | 919 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 677 |
| Cost of funding earning assets | 0.6407% | 1,355 |
| Net interest margin | 4.3351% | 898 |
| Noninterest income to average assets | 1.0539% | 913 |
| Noninterest expense to average assets | 3.6057% | 891 |
| Loan and lease loss provision to assets | -0.0804% | 5,453 |
| Net operating income to assets | 0.9414% | 2,486 |
| Return on assets (ROA) | 1.0129% | 2,218 |
| Pretax return on assets | 1.5739% | 1,370 |
| Return on Equity (ROE) | 7.2923% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.2923% | 984 |
| Net charge-offs to loans | -0.0602% | 5,234 |
| Credit loss provision to net charge-offs | 170.0906% | 1,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2956% | 2,178 |
| Assets per employee ($millions) | 4.0617% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,915 |
| Loan loss allowance to noncurrent loans | 122.1809% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.2465% | 1,172 |
| Noncurrent loans to loans | 0.9627% | 1,838 |
| Net loans and leases to total assets | 77.5925% | 1,339 |
| Net loans and leases to deposits | 99.6536% | 754 |
| Net loans and leases to core deposits | 109.0596% | 1,058 |
| Total domestic deposits to total assets | 77.8622% | 4,735 |
| Equity capital to assets | 13.3459% | 1,113 |
| Core capital (leverage) ratio | 11.8422% | 1,699 |
| Tier 1 risk-based capital ratio | 13.1553% | 3,814 |
| Total risk-based capital ratio | 14.2010% | 3,837 |
| Memoranda: | ||
| Average total assets | $700,055,200 | 1,046 |
| Average earning assets | $635,211,800 | 1,064 |
| Average equity | $97,239,200 | 848 |
| Average total loans | $549,657,000 | 936 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 609 |
| Cost of funding earning assets | 0.6333% | 1,343 |
| Net interest margin | 4.3709% | 779 |
| Noninterest income to average assets | 1.0690% | 893 |
| Noninterest expense to average assets | 3.6096% | 862 |
| Loan and lease loss provision to assets | -0.1091% | 5,593 |
| Net operating income to assets | 1.0276% | 2,426 |
| Return on assets (ROA) | 1.1217% | 2,053 |
| Pretax return on assets | 1.6624% | 1,209 |
| Return on Equity (ROE) | 7.9904% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.9904% | 1,226 |
| Net charge-offs to loans | -0.0915% | 5,353 |
| Credit loss provision to net charge-offs | 151.7520% | 1,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8689% | 2,221 |
| Assets per employee ($millions) | 4.0962% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,958 |
| Loan loss allowance to noncurrent loans | 74.6800% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6490% | 880 |
| Noncurrent loans to loans | 1.5991% | 1,148 |
| Net loans and leases to total assets | 77.9096% | 1,284 |
| Net loans and leases to deposits | 101.0019% | 678 |
| Net loans and leases to core deposits | 110.2609% | 1,007 |
| Total domestic deposits to total assets | 77.1368% | 4,857 |
| Equity capital to assets | 14.0652% | 973 |
| Core capital (leverage) ratio | 12.4529% | 1,436 |
| Tier 1 risk-based capital ratio | 13.4512% | 3,734 |
| Total risk-based capital ratio | 14.4944% | 3,770 |
| Memoranda: | ||
| Average total assets | $688,229,000 | 1,064 |
| Average earning assets | $622,495,500 | 1,090 |
| Average equity | $96,613,500 | 855 |
| Average total loans | $540,372,000 | 952 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 550 |
| Cost of funding earning assets | 0.6242% | 1,312 |
| Net interest margin | 4.3874% | 720 |
| Noninterest income to average assets | 1.1586% | 752 |
| Noninterest expense to average assets | 3.6891% | 781 |
| Loan and lease loss provision to assets | -0.1295% | 5,668 |
| Net operating income to assets | 1.0449% | 2,230 |
| Return on assets (ROA) | 1.1895% | 1,666 |
| Pretax return on assets | 1.7652% | 912 |
| Return on Equity (ROE) | 8.4796% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.4796% | 1,000 |
| Net charge-offs to loans | -0.0995% | 5,411 |
| Credit loss provision to net charge-offs | 166.0305% | 1,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2077% | 2,301 |
| Assets per employee ($millions) | 4.1347% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,797 |
| Loan loss allowance to noncurrent loans | 85.0978% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.5256% | 983 |
| Noncurrent loans to loans | 1.4507% | 1,309 |
| Net loans and leases to total assets | 76.5296% | 1,460 |
| Net loans and leases to deposits | 99.6277% | 768 |
| Net loans and leases to core deposits | 108.8796% | 1,057 |
| Total domestic deposits to total assets | 76.8156% | 4,987 |
| Equity capital to assets | 14.0094% | 962 |
| Core capital (leverage) ratio | 12.4029% | 1,414 |
| Tier 1 risk-based capital ratio | 13.6343% | 3,624 |
| Total risk-based capital ratio | 14.7265% | 3,628 |
| Memoranda: | ||
| Average total assets | $671,869,330 | 1,092 |
| Average earning assets | $604,956,330 | 1,120 |
| Average equity | $94,250,000 | 873 |
| Average total loans | $526,703,670 | 974 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 1,825 |
| Cost of funding earning assets | 0.5760% | 1,536 |
| Net interest margin | 3.7702% | 2,222 |
| Noninterest income to average assets | 0.9951% | 1,015 |
| Noninterest expense to average assets | 3.2710% | 1,439 |
| Loan and lease loss provision to assets | -0.2702% | 5,810 |
| Net operating income to assets | 0.9282% | 2,627 |
| Return on assets (ROA) | 1.2299% | 1,468 |
| Pretax return on assets | 1.8231% | 750 |
| Return on Equity (ROE) | 8.7609% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.7609% | 1,159 |
| Net charge-offs to loans | -0.3385% | 5,698 |
| Credit loss provision to net charge-offs | 101.1628% | 1,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7905% | 2,098 |
| Assets per employee ($millions) | 3.9465% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,663 |
| Loan loss allowance to noncurrent loans | 120.8884% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 1,340 |
| Noncurrent loans to loans | 1.0540% | 1,947 |
| Net loans and leases to total assets | 77.3420% | 1,225 |
| Net loans and leases to deposits | 100.8927% | 555 |
| Net loans and leases to core deposits | 106.6657% | 1,053 |
| Total domestic deposits to total assets | 76.6577% | 5,155 |
| Equity capital to assets | 13.9566% | 917 |
| Core capital (leverage) ratio | 14.3112% | 761 |
| Tier 1 risk-based capital ratio | 13.1487% | 3,995 |
| Total risk-based capital ratio | 14.2648% | 3,974 |
| Memoranda: | ||
| Average total assets | $643,954,500 | 1,134 |
| Average earning assets | $577,045,500 | 1,168 |
| Average equity | $90,402,000 | 907 |
| Average total loans | $508,122,500 | 1,001 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7122% | 1,046 |
| Cost of funding earning assets | 0.6317% | 1,149 |
| Net interest margin | 4.0805% | 1,426 |
| Noninterest income to average assets | 1.1499% | 861 |
| Noninterest expense to average assets | 3.7230% | 853 |
| Loan and lease loss provision to assets | -0.0610% | 5,615 |
| Net operating income to assets | 1.6798% | 575 |
| Return on assets (ROA) | 1.7229% | 545 |
| Pretax return on assets | 1.2051% | 2,645 |
| Return on Equity (ROE) | 12.8557% | 1,025 |
| Retained earnings to average equity (ytd only) | 12.8557% | 175 |
| Net charge-offs to loans | 0.0218% | 3,610 |
| Credit loss provision to net charge-offs | -362.1053% | 5,114 |
| Earnings coverage of net charge-offs (x) | 65.3684% | 836 |
| Efficiency ratio | 77.1767% | 1,816 |
| Assets per employee ($millions) | 3.8240% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,392 |
| Loan loss allowance to noncurrent loans | 149.8023% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 1.2624% | 1,413 |
| Noncurrent loans to loans | 0.8860% | 2,331 |
| Net loans and leases to total assets | 78.5553% | 1,117 |
| Net loans and leases to deposits | 103.1261% | 458 |
| Net loans and leases to core deposits | 110.4971% | 864 |
| Total domestic deposits to total assets | 76.1740% | 5,225 |
| Equity capital to assets | 14.1407% | 844 |
| Core capital (leverage) ratio | 12.1114% | 1,527 |
| Tier 1 risk-based capital ratio | 13.0716% | 4,019 |
| Total risk-based capital ratio | 14.2414% | 3,985 |
| Memoranda: | ||
| Average total assets | $564,040,400 | 1,236 |
| Average earning assets | $507,856,400 | 1,261 |
| Average equity | $75,593,200 | 1,050 |
| Average total loans | $435,821,400 | 1,119 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 1,051 |
| Cost of funding earning assets | 0.6293% | 1,146 |
| Net interest margin | 4.0753% | 1,461 |
| Noninterest income to average assets | 1.1504% | 865 |
| Noninterest expense to average assets | 3.5656% | 1,046 |
| Loan and lease loss provision to assets | -0.0570% | 5,732 |
| Net operating income to assets | 0.9168% | 2,824 |
| Return on assets (ROA) | 0.9572% | 2,764 |
| Pretax return on assets | 1.3735% | 2,148 |
| Return on Equity (ROE) | 7.2438% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.2438% | 1,504 |
| Net charge-offs to loans | -0.0498% | 5,367 |
| Credit loss provision to net charge-offs | 149.0683% | 1,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9064% | 2,299 |
| Assets per employee ($millions) | 3.7521% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 2,166 |
| Loan loss allowance to noncurrent loans | 106.8753% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 1,059 |
| Noncurrent loans to loans | 1.3169% | 1,683 |
| Net loans and leases to total assets | 78.3427% | 1,138 |
| Net loans and leases to deposits | 101.9608% | 571 |
| Net loans and leases to core deposits | 109.9112% | 921 |
| Total domestic deposits to total assets | 76.8361% | 5,117 |
| Equity capital to assets | 13.3053% | 1,342 |
| Core capital (leverage) ratio | 12.0219% | 1,662 |
| Tier 1 risk-based capital ratio | 12.6219% | 4,392 |
| Total risk-based capital ratio | 13.8276% | 4,336 |
| Memoranda: | ||
| Average total assets | $561,650,250 | 1,241 |
| Average earning assets | $506,353,500 | 1,269 |
| Average equity | $74,213,750 | 1,076 |
| Average total loans | $430,613,000 | 1,130 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 969 |
| Cost of funding earning assets | 0.6260% | 1,156 |
| Net interest margin | 4.1158% | 1,329 |
| Noninterest income to average assets | 1.1189% | 895 |
| Noninterest expense to average assets | 3.5386% | 1,104 |
| Loan and lease loss provision to assets | -0.0753% | 5,848 |
| Net operating income to assets | 0.9443% | 2,648 |
| Return on assets (ROA) | 1.0048% | 2,503 |
| Pretax return on assets | 1.4450% | 1,855 |
| Return on Equity (ROE) | 7.6227% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.6227% | 1,331 |
| Net charge-offs to loans | -0.0843% | 5,563 |
| Credit loss provision to net charge-offs | 117.9775% | 1,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3874% | 2,455 |
| Assets per employee ($millions) | 3.4495% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,894 |
| Loan loss allowance to noncurrent loans | 137.7129% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.6294% | 1,124 |
| Noncurrent loans to loans | 1.0835% | 2,124 |
| Net loans and leases to total assets | 76.4035% | 1,426 |
| Net loans and leases to deposits | 99.9419% | 699 |
| Net loans and leases to core deposits | 106.0803% | 1,175 |
| Total domestic deposits to total assets | 76.4479% | 5,228 |
| Equity capital to assets | 13.4571% | 1,258 |
| Core capital (leverage) ratio | 12.0137% | 1,619 |
| Tier 1 risk-based capital ratio | 13.1036% | 4,138 |
| Total risk-based capital ratio | 14.3540% | 4,058 |
| Memoranda: | ||
| Average total assets | $557,511,670 | 1,253 |
| Average earning assets | $501,579,330 | 1,281 |
| Average equity | $73,491,330 | 1,084 |
| Average total loans | $422,097,670 | 1,155 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 1,153 |
| Cost of funding earning assets | 0.6279% | 1,165 |
| Net interest margin | 4.0177% | 1,562 |
| Noninterest income to average assets | 0.9367% | 1,218 |
| Noninterest expense to average assets | 3.4666% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7567% | 3,452 |
| Return on assets (ROA) | 0.8763% | 2,985 |
| Pretax return on assets | 1.2491% | 2,508 |
| Return on Equity (ROE) | 6.7183% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.7183% | 2,020 |
| Net charge-offs to loans | 0.0115% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 125.0833% | 457 |
| Efficiency ratio | 76.2763% | 2,141 |
| Assets per employee ($millions) | 3.4379% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 1,814 |
| Loan loss allowance to noncurrent loans | 111.9800% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.8586% | 983 |
| Noncurrent loans to loans | 1.3778% | 1,729 |
| Net loans and leases to total assets | 74.3296% | 1,681 |
| Net loans and leases to deposits | 95.3387% | 1,000 |
| Net loans and leases to core deposits | 101.3857% | 1,378 |
| Total domestic deposits to total assets | 77.9638% | 5,153 |
| Equity capital to assets | 13.1575% | 1,335 |
| Core capital (leverage) ratio | 11.5882% | 1,912 |
| Tier 1 risk-based capital ratio | 13.0962% | 4,202 |
| Total risk-based capital ratio | 14.3474% | 4,121 |
| Memoranda: | ||
| Average total assets | $556,862,000 | 1,260 |
| Average earning assets | $500,086,500 | 1,284 |
| Average equity | $72,637,000 | 1,090 |
| Average total loans | $416,437,500 | 1,166 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6206% | 1,282 |
| Cost of funding earning assets | 0.6179% | 1,253 |
| Net interest margin | 4.0027% | 1,711 |
| Noninterest income to average assets | 1.2076% | 820 |
| Noninterest expense to average assets | 3.8454% | 815 |
| Loan and lease loss provision to assets | -0.0456% | 5,732 |
| Net operating income to assets | 1.5548% | 776 |
| Return on assets (ROA) | 1.6220% | 691 |
| Pretax return on assets | 1.0606% | 3,224 |
| Return on Equity (ROE) | 13.0146% | 1,056 |
| Retained earnings to average equity (ytd only) | 13.0146% | 203 |
| Net charge-offs to loans | 0.0058% | 4,250 |
| Credit loss provision to net charge-offs | -1,056.5217% | 5,564 |
| Earnings coverage of net charge-offs (x) | 219.4783% | 315 |
| Efficiency ratio | 80.2068% | 1,646 |
| Assets per employee ($millions) | 3.3541% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,696 |
| Loan loss allowance to noncurrent loans | 113.8952% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 992 |
| Noncurrent loans to loans | 1.3838% | 1,696 |
| Net loans and leases to total assets | 72.9038% | 1,904 |
| Net loans and leases to deposits | 93.5687% | 1,240 |
| Net loans and leases to core deposits | 99.0960% | 1,584 |
| Total domestic deposits to total assets | 77.9147% | 5,183 |
| Equity capital to assets | 12.9304% | 1,384 |
| Core capital (leverage) ratio | 11.6983% | 1,819 |
| Tier 1 risk-based capital ratio | 13.3338% | 4,085 |
| Total risk-based capital ratio | 14.5857% | 4,032 |
| Memoranda: | ||
| Average total assets | $532,608,000 | 1,270 |
| Average earning assets | $477,104,400 | 1,295 |
| Average equity | $66,379,400 | 1,140 |
| Average total loans | $395,036,600 | 1,168 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 1,251 |
| Cost of funding earning assets | 0.6271% | 1,233 |
| Net interest margin | 4.0052% | 1,684 |
| Noninterest income to average assets | 1.2210% | 807 |
| Noninterest expense to average assets | 3.8331% | 817 |
| Loan and lease loss provision to assets | -0.0506% | 5,917 |
| Net operating income to assets | 0.7446% | 3,704 |
| Return on assets (ROA) | 0.8108% | 3,476 |
| Pretax return on assets | 1.1164% | 3,155 |
| Return on Equity (ROE) | 6.5705% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.5705% | 1,907 |
| Net charge-offs to loans | -0.0116% | 5,039 |
| Credit loss provision to net charge-offs | 588.2353% | 577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6935% | 1,706 |
| Assets per employee ($millions) | 3.1978% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 1,679 |
| Loan loss allowance to noncurrent loans | 105.8890% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.2784% | 812 |
| Noncurrent loans to loans | 1.5379% | 1,625 |
| Net loans and leases to total assets | 75.5491% | 1,450 |
| Net loans and leases to deposits | 94.0640% | 1,197 |
| Net loans and leases to core deposits | 100.1538% | 1,500 |
| Total domestic deposits to total assets | 80.3167% | 4,668 |
| Equity capital to assets | 12.6263% | 1,672 |
| Core capital (leverage) ratio | 11.4902% | 2,048 |
| Tier 1 risk-based capital ratio | 13.5011% | 4,142 |
| Total risk-based capital ratio | 14.7539% | 4,068 |
| Memoranda: | ||
| Average total assets | $526,563,250 | 1,290 |
| Average earning assets | $471,608,500 | 1,316 |
| Average equity | $64,975,500 | 1,171 |
| Average total loans | $390,691,000 | 1,179 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,229 |
| Cost of funding earning assets | 0.6384% | 1,178 |
| Net interest margin | 3.9836% | 1,688 |
| Noninterest income to average assets | 1.0825% | 1,022 |
| Noninterest expense to average assets | 3.8856% | 781 |
| Loan and lease loss provision to assets | -0.0760% | 6,062 |
| Net operating income to assets | 0.6177% | 4,263 |
| Return on assets (ROA) | 0.7184% | 3,921 |
| Pretax return on assets | 0.9738% | 3,682 |
| Return on Equity (ROE) | 5.8671% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.8671% | 2,318 |
| Net charge-offs to loans | -0.0114% | 4,967 |
| Credit loss provision to net charge-offs | 909.0909% | 392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5692% | 1,305 |
| Assets per employee ($millions) | 3.2586% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 1,566 |
| Loan loss allowance to noncurrent loans | 98.0795% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 2.5278% | 744 |
| Noncurrent loans to loans | 1.7479% | 1,468 |
| Net loans and leases to total assets | 71.5496% | 2,065 |
| Net loans and leases to deposits | 88.7937% | 1,747 |
| Net loans and leases to core deposits | 93.9774% | 1,958 |
| Total domestic deposits to total assets | 80.5796% | 4,723 |
| Equity capital to assets | 12.3400% | 1,777 |
| Core capital (leverage) ratio | 11.1836% | 2,259 |
| Tier 1 risk-based capital ratio | 13.6027% | 4,160 |
| Total risk-based capital ratio | 14.8562% | 4,086 |
| Memoranda: | ||
| Average total assets | $526,202,670 | 1,300 |
| Average earning assets | $470,876,330 | 1,327 |
| Average equity | $64,426,670 | 1,188 |
| Average total loans | $385,844,670 | 1,195 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 1,154 |
| Cost of funding earning assets | 0.6547% | 1,083 |
| Net interest margin | 3.9790% | 1,630 |
| Noninterest income to average assets | 0.9685% | 1,193 |
| Noninterest expense to average assets | 3.8990% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4691% | 4,800 |
| Return on assets (ROA) | 0.6708% | 4,071 |
| Pretax return on assets | 0.9007% | 3,892 |
| Return on Equity (ROE) | 5.5003% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.5003% | 2,777 |
| Net charge-offs to loans | 0.0021% | 3,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 412.5000% | 130 |
| Efficiency ratio | 86.0747% | 1,177 |
| Assets per employee ($millions) | 3.1885% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 1,581 |
| Loan loss allowance to noncurrent loans | 124.9815% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 2.2671% | 998 |
| Noncurrent loans to loans | 1.4099% | 2,036 |
| Net loans and leases to total assets | 71.6794% | 1,863 |
| Net loans and leases to deposits | 89.2518% | 1,470 |
| Net loans and leases to core deposits | 93.9334% | 1,777 |
| Total domestic deposits to total assets | 80.3114% | 4,989 |
| Equity capital to assets | 12.2366% | 1,865 |
| Core capital (leverage) ratio | 11.0521% | 2,362 |
| Tier 1 risk-based capital ratio | 12.5757% | 4,853 |
| Total risk-based capital ratio | 13.8287% | 4,769 |
| Memoranda: | ||
| Average total assets | $525,360,500 | 1,302 |
| Average earning assets | $469,865,500 | 1,340 |
| Average equity | $64,069,500 | 1,192 |
| Average total loans | $386,622,500 | 1,195 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9469% | 855 |
| Cost of funding earning assets | 0.8125% | 614 |
| Net interest margin | 4.1344% | 1,474 |
| Noninterest income to average assets | 1.2044% | 827 |
| Noninterest expense to average assets | 3.7582% | 1,056 |
| Loan and lease loss provision to assets | 0.2008% | 1,267 |
| Net operating income to assets | 0.7256% | 3,766 |
| Return on assets (ROA) | 0.7254% | 3,873 |
| Pretax return on assets | 0.9230% | 3,810 |
| Return on Equity (ROE) | 6.2343% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.2343% | 1,789 |
| Net charge-offs to loans | 0.0774% | 3,381 |
| Credit loss provision to net charge-offs | 355.3691% | 741 |
| Earnings coverage of net charge-offs (x) | 19.8926% | 1,748 |
| Efficiency ratio | 76.9234% | 2,362 |
| Assets per employee ($millions) | 3.1227% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 1,684 |
| Loan loss allowance to noncurrent loans | 132.9273% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 2.2588% | 1,073 |
| Noncurrent loans to loans | 1.3072% | 2,259 |
| Net loans and leases to total assets | 72.9307% | 1,769 |
| Net loans and leases to deposits | 91.7519% | 1,315 |
| Net loans and leases to core deposits | 96.7888% | 1,654 |
| Total domestic deposits to total assets | 79.4869% | 5,144 |
| Equity capital to assets | 12.1539% | 1,899 |
| Core capital (leverage) ratio | 10.8064% | 2,607 |
| Tier 1 risk-based capital ratio | 13.2480% | 4,564 |
| Total risk-based capital ratio | 14.4851% | 4,490 |
| Memoranda: | ||
| Average total assets | $527,401,600 | 1,275 |
| Average earning assets | $469,166,200 | 1,306 |
| Average equity | $61,370,600 | 1,188 |
| Average total loans | $384,828,000 | 1,152 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9919% | 784 |
| Cost of funding earning assets | 0.8408% | 557 |
| Net interest margin | 4.1511% | 1,427 |
| Noninterest income to average assets | 1.1828% | 858 |
| Noninterest expense to average assets | 3.6626% | 1,184 |
| Loan and lease loss provision to assets | 0.2840% | 717 |
| Net operating income to assets | 0.7268% | 3,803 |
| Return on assets (ROA) | 0.7266% | 3,912 |
| Pretax return on assets | 0.9253% | 3,882 |
| Return on Equity (ROE) | 6.3141% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.3141% | 2,208 |
| Net charge-offs to loans | 0.0410% | 3,684 |
| Credit loss provision to net charge-offs | 953.3898% | 342 |
| Earnings coverage of net charge-offs (x) | 40.6015% | 1,121 |
| Efficiency ratio | 75.1114% | 2,646 |
| Assets per employee ($millions) | 3.1216% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 1,621 |
| Loan loss allowance to noncurrent loans | 93.2447% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.8930% | 831 |
| Noncurrent loans to loans | 1.9659% | 1,621 |
| Net loans and leases to total assets | 70.7609% | 2,064 |
| Net loans and leases to deposits | 88.3518% | 1,626 |
| Net loans and leases to core deposits | 95.0889% | 1,748 |
| Total domestic deposits to total assets | 80.0899% | 5,077 |
| Equity capital to assets | 11.7729% | 2,247 |
| Core capital (leverage) ratio | 10.5769% | 2,951 |
| Tier 1 risk-based capital ratio | 13.1379% | 4,774 |
| Total risk-based capital ratio | 14.3885% | 4,705 |
| Memoranda: | ||
| Average total assets | $528,097,000 | 1,277 |
| Average earning assets | $469,363,250 | 1,317 |
| Average equity | $60,772,750 | 1,207 |
| Average total loans | $383,691,250 | 1,160 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 631 |
| Cost of funding earning assets | 0.8684% | 505 |
| Net interest margin | 4.2198% | 1,198 |
| Noninterest income to average assets | 1.1334% | 917 |
| Noninterest expense to average assets | 3.6526% | 1,205 |
| Loan and lease loss provision to assets | 0.3414% | 533 |
| Net operating income to assets | 0.6956% | 3,866 |
| Return on assets (ROA) | 0.6953% | 3,955 |
| Pretax return on assets | 0.8793% | 3,962 |
| Return on Equity (ROE) | 6.0892% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.0892% | 2,264 |
| Net charge-offs to loans | 0.1250% | 2,420 |
| Credit loss provision to net charge-offs | 375.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 13.4125% | 1,975 |
| Efficiency ratio | 74.8755% | 2,827 |
| Assets per employee ($millions) | 3.0142% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 2,038 |
| Loan loss allowance to noncurrent loans | 79.1568% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 3.5464% | 646 |
| Noncurrent loans to loans | 2.1860% | 1,499 |
| Net loans and leases to total assets | 72.1678% | 1,715 |
| Net loans and leases to deposits | 88.1045% | 1,585 |
| Net loans and leases to core deposits | 97.5747% | 1,468 |
| Total domestic deposits to total assets | 81.9116% | 4,673 |
| Equity capital to assets | 11.7118% | 2,232 |
| Core capital (leverage) ratio | 10.2019% | 3,336 |
| Tier 1 risk-based capital ratio | 12.6637% | 5,111 |
| Total risk-based capital ratio | 13.8982% | 5,065 |
| Memoranda: | ||
| Average total assets | $527,240,670 | 1,273 |
| Average earning assets | $467,317,670 | 1,316 |
| Average equity | $60,205,330 | 1,210 |
| Average total loans | $384,083,000 | 1,143 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 1,123 |
| Cost of funding earning assets | 0.8692% | 527 |
| Net interest margin | 3.8915% | 2,114 |
| Noninterest income to average assets | 1.1963% | 773 |
| Noninterest expense to average assets | 3.7411% | 1,069 |
| Loan and lease loss provision to assets | 0.3405% | 525 |
| Net operating income to assets | 0.4865% | 4,754 |
| Return on assets (ROA) | 0.4865% | 4,829 |
| Pretax return on assets | 0.5668% | 4,949 |
| Return on Equity (ROE) | 4.3158% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.3158% | 3,538 |
| Net charge-offs to loans | 0.0709% | 2,440 |
| Credit loss provision to net charge-offs | 661.7647% | 434 |
| Earnings coverage of net charge-offs (x) | 17.6324% | 1,452 |
| Efficiency ratio | 80.4005% | 2,148 |
| Assets per employee ($millions) | 3.0662% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 2,476 |
| Loan loss allowance to noncurrent loans | 36.4576% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 5.1311% | 388 |
| Noncurrent loans to loans | 4.5519% | 520 |
| Net loans and leases to total assets | 70.9420% | 1,731 |
| Net loans and leases to deposits | 86.0802% | 1,601 |
| Net loans and leases to core deposits | 96.5784% | 1,344 |
| Total domestic deposits to total assets | 82.4138% | 4,808 |
| Equity capital to assets | 11.2437% | 2,487 |
| Core capital (leverage) ratio | 9.9251% | 3,670 |
| Tier 1 risk-based capital ratio | 12.1688% | 5,529 |
| Total risk-based capital ratio | 13.4095% | 5,464 |
| Memoranda: | ||
| Average total assets | $528,621,500 | 1,278 |
| Average earning assets | $468,918,500 | 1,319 |
| Average equity | $59,595,000 | 1,227 |
| Average total loans | $383,539,500 | 1,147 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 1,424 |
| Cost of funding earning assets | 1.0717% | 326 |
| Net interest margin | 3.6848% | 3,116 |
| Noninterest income to average assets | 1.2786% | 843 |
| Noninterest expense to average assets | 3.9532% | 918 |
| Loan and lease loss provision to assets | 0.4453% | 651 |
| Net operating income to assets | 0.2078% | 5,803 |
| Return on assets (ROA) | 0.2089% | 5,865 |
| Pretax return on assets | 0.1381% | 6,032 |
| Return on Equity (ROE) | 1.9366% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.9366% | 4,855 |
| Net charge-offs to loans | 1.0130% | 571 |
| Credit loss provision to net charge-offs | 62.7123% | 3,484 |
| Earnings coverage of net charge-offs (x) | 0.8200% | 4,814 |
| Efficiency ratio | 86.9901% | 1,313 |
| Assets per employee ($millions) | 2.9757% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 2,882 |
| Loan loss allowance to noncurrent loans | 30.2702% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 5.5506% | 380 |
| Noncurrent loans to loans | 5.1904% | 461 |
| Net loans and leases to total assets | 71.8314% | 1,711 |
| Net loans and leases to deposits | 87.5523% | 1,512 |
| Net loans and leases to core deposits | 98.3134% | 1,283 |
| Total domestic deposits to total assets | 82.0439% | 4,859 |
| Equity capital to assets | 11.3042% | 2,338 |
| Core capital (leverage) ratio | 9.7438% | 3,921 |
| Tier 1 risk-based capital ratio | 11.9743% | 5,629 |
| Total risk-based capital ratio | 13.2242% | 5,566 |
| Memoranda: | ||
| Average total assets | $538,931,800 | 1,231 |
| Average earning assets | $476,333,000 | 1,281 |
| Average equity | $58,143,200 | 1,243 |
| Average total loans | $377,780,800 | 1,125 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6875% | 1,634 |
| Cost of funding earning assets | 1.1218% | 276 |
| Net interest margin | 3.5657% | 3,595 |
| Noninterest income to average assets | 1.5175% | 630 |
| Noninterest expense to average assets | 3.9635% | 891 |
| Loan and lease loss provision to assets | 0.4422% | 648 |
| Net operating income to assets | 0.2766% | 5,686 |
| Return on assets (ROA) | 0.2781% | 5,793 |
| Pretax return on assets | 0.2624% | 5,947 |
| Return on Equity (ROE) | 2.6077% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.6077% | 4,762 |
| Net charge-offs to loans | 1.0555% | 538 |
| Credit loss provision to net charge-offs | 60.3622% | 3,290 |
| Earnings coverage of net charge-offs (x) | 0.9598% | 4,524 |
| Efficiency ratio | 84.7599% | 1,506 |
| Assets per employee ($millions) | 2.9386% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 2,649 |
| Loan loss allowance to noncurrent loans | 37.4678% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 5.3577% | 501 |
| Noncurrent loans to loans | 4.5151% | 712 |
| Net loans and leases to total assets | 67.5379% | 2,364 |
| Net loans and leases to deposits | 81.8717% | 2,156 |
| Net loans and leases to core deposits | 94.2431% | 1,550 |
| Total domestic deposits to total assets | 82.4924% | 4,762 |
| Equity capital to assets | 10.7945% | 2,959 |
| Core capital (leverage) ratio | 9.2749% | 4,722 |
| Tier 1 risk-based capital ratio | 11.9534% | 5,800 |
| Total risk-based capital ratio | 13.1790% | 5,763 |
| Memoranda: | ||
| Average total assets | $542,732,750 | 1,236 |
| Average earning assets | $479,333,500 | 1,285 |
| Average equity | $57,878,250 | 1,254 |
| Average total loans | $376,674,500 | 1,135 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,544 |
| Cost of funding earning assets | 1.1509% | 254 |
| Net interest margin | 3.5563% | 3,535 |
| Noninterest income to average assets | 1.5566% | 654 |
| Noninterest expense to average assets | 3.9424% | 927 |
| Loan and lease loss provision to assets | 0.4409% | 664 |
| Net operating income to assets | 0.3134% | 5,554 |
| Return on assets (ROA) | 0.3156% | 5,696 |
| Pretax return on assets | 0.3156% | 5,831 |
| Return on Equity (ROE) | 2.9712% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.9712% | 4,429 |
| Net charge-offs to loans | 1.3971% | 401 |
| Credit loss provision to net charge-offs | 45.3172% | 3,316 |
| Earnings coverage of net charge-offs (x) | 0.7753% | 4,270 |
| Efficiency ratio | 83.7610% | 1,661 |
| Assets per employee ($millions) | 2.9895% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 3,060 |
| Loan loss allowance to noncurrent loans | 36.7274% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 5.3785% | 550 |
| Noncurrent loans to loans | 4.4324% | 795 |
| Net loans and leases to total assets | 66.0961% | 2,570 |
| Net loans and leases to deposits | 80.5955% | 2,237 |
| Net loans and leases to core deposits | 94.8146% | 1,452 |
| Total domestic deposits to total assets | 82.0097% | 5,058 |
| Equity capital to assets | 10.6406% | 3,130 |
| Core capital (leverage) ratio | 9.2814% | 4,574 |
| Tier 1 risk-based capital ratio | 11.7716% | 5,938 |
| Total risk-based capital ratio | 13.0213% | 5,894 |
| Memoranda: | ||
| Average total assets | $544,388,330 | 1,234 |
| Average earning assets | $480,663,330 | 1,279 |
| Average equity | $57,821,330 | 1,256 |
| Average total loans | $379,084,000 | 1,125 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 1,417 |
| Cost of funding earning assets | 1.1774% | 251 |
| Net interest margin | 3.5673% | 3,397 |
| Noninterest income to average assets | 1.5726% | 623 |
| Noninterest expense to average assets | 3.9364% | 956 |
| Loan and lease loss provision to assets | 0.4420% | 650 |
| Net operating income to assets | 0.3352% | 5,418 |
| Return on assets (ROA) | 0.3352% | 5,556 |
| Pretax return on assets | 0.3433% | 5,739 |
| Return on Equity (ROE) | 3.1583% | 5,517 |
| Retained earnings to average equity (ytd only) | 3.1583% | 4,372 |
| Net charge-offs to loans | 1.2016% | 486 |
| Credit loss provision to net charge-offs | 51.9031% | 2,575 |
| Earnings coverage of net charge-offs (x) | 0.9221% | 3,527 |
| Efficiency ratio | 83.1825% | 1,874 |
| Assets per employee ($millions) | 2.9786% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 2,605 |
| Loan loss allowance to noncurrent loans | 29.1987% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 6.5716% | 453 |
| Noncurrent loans to loans | 6.1787% | 532 |
| Net loans and leases to total assets | 67.9165% | 2,027 |
| Net loans and leases to deposits | 82.8571% | 1,722 |
| Net loans and leases to core deposits | 97.7693% | 1,096 |
| Total domestic deposits to total assets | 81.9682% | 5,200 |
| Equity capital to assets | 10.5829% | 3,448 |
| Core capital (leverage) ratio | 9.2956% | 4,406 |
| Tier 1 risk-based capital ratio | 11.5047% | 6,185 |
| Total risk-based capital ratio | 12.7588% | 6,152 |
| Memoranda: | ||
| Average total assets | $543,040,000 | 1,245 |
| Average earning assets | $479,347,500 | 1,294 |
| Average equity | $57,625,500 | 1,266 |
| Average total loans | $384,833,000 | 1,110 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 1,816 |
| Cost of funding earning assets | 1.4462% | 209 |
| Net interest margin | 3.4618% | 4,664 |
| Noninterest income to average assets | 1.2484% | 997 |
| Noninterest expense to average assets | 4.4258% | 615 |
| Loan and lease loss provision to assets | 1.0494% | 369 |
| Net operating income to assets | -0.6609% | 6,633 |
| Return on assets (ROA) | -0.6609% | 6,665 |
| Pretax return on assets | -1.1700% | 6,775 |
| Return on Equity (ROE) | -6.9340% | 6,653 |
| Retained earnings to average equity (ytd only) | -6.9340% | 6,525 |
| Net charge-offs to loans | 1.7607% | 468 |
| Credit loss provision to net charge-offs | 85.5054% | 3,653 |
| Earnings coverage of net charge-offs (x) | -0.0983% | 5,535 |
| Efficiency ratio | 102.5799% | 478 |
| Assets per employee ($millions) | 2.7722% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9128% | 2,260 |
| Loan loss allowance to noncurrent loans | 30.1477% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 7.5142% | 397 |
| Noncurrent loans to loans | 6.3448% | 538 |
| Net loans and leases to total assets | 71.2304% | 1,613 |
| Net loans and leases to deposits | 87.4655% | 1,333 |
| Net loans and leases to core deposits | 104.0622% | 786 |
| Total domestic deposits to total assets | 81.4382% | 5,270 |
| Equity capital to assets | 10.6413% | 3,349 |
| Core capital (leverage) ratio | 9.1048% | 4,734 |
| Tier 1 risk-based capital ratio | 11.1277% | 6,302 |
| Total risk-based capital ratio | 12.3834% | 6,266 |
| Memoranda: | ||
| Average total assets | $562,727,400 | 1,178 |
| Average earning assets | $496,873,200 | 1,224 |
| Average equity | $53,634,400 | 1,326 |
| Average total loans | $392,230,400 | 1,066 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 2,194 |
| Cost of funding earning assets | 1.4997% | 203 |
| Net interest margin | 3.3511% | 5,214 |
| Noninterest income to average assets | 1.0980% | 1,246 |
| Noninterest expense to average assets | 4.1454% | 779 |
| Loan and lease loss provision to assets | 1.0193% | 396 |
| Net operating income to assets | -0.6170% | 6,744 |
| Return on assets (ROA) | -0.6170% | 6,768 |
| Pretax return on assets | -1.1024% | 6,890 |
| Return on Equity (ROE) | -6.6552% | 6,775 |
| Retained earnings to average equity (ytd only) | -6.6552% | 6,702 |
| Net charge-offs to loans | 1.2588% | 759 |
| Credit loss provision to net charge-offs | 117.3222% | 2,480 |
| Earnings coverage of net charge-offs (x) | -0.0956% | 5,375 |
| Efficiency ratio | 101.8034% | 488 |
| Assets per employee ($millions) | 2.7302% | 6,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3022% | 1,512 |
| Loan loss allowance to noncurrent loans | 34.7380% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 7.9682% | 392 |
| Noncurrent loans to loans | 6.6272% | 569 |
| Net loans and leases to total assets | 70.8902% | 1,746 |
| Net loans and leases to deposits | 85.8519% | 1,616 |
| Net loans and leases to core deposits | 103.8041% | 877 |
| Total domestic deposits to total assets | 82.5727% | 4,804 |
| Equity capital to assets | 9.6551% | 4,984 |
| Core capital (leverage) ratio | 8.1435% | 6,192 |
| Tier 1 risk-based capital ratio | 10.2510% | 6,741 |
| Total risk-based capital ratio | 11.4848% | 6,721 |
| Memoranda: | ||
| Average total assets | $569,651,750 | 1,178 |
| Average earning assets | $503,894,250 | 1,216 |
| Average equity | $52,809,500 | 1,359 |
| Average total loans | $393,154,000 | 1,074 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 2,639 |
| Cost of funding earning assets | 1.5417% | 196 |
| Net interest margin | 3.2286% | 5,653 |
| Noninterest income to average assets | 0.9740% | 1,533 |
| Noninterest expense to average assets | 3.9210% | 1,046 |
| Loan and lease loss provision to assets | 1.1946% | 347 |
| Net operating income to assets | -0.7192% | 6,824 |
| Return on assets (ROA) | -0.7192% | 6,861 |
| Pretax return on assets | -1.2800% | 6,965 |
| Return on Equity (ROE) | -7.8599% | 6,859 |
| Retained earnings to average equity (ytd only) | -7.8599% | 6,760 |
| Net charge-offs to loans | 1.4832% | 674 |
| Credit loss provision to net charge-offs | 118.6062% | 2,322 |
| Earnings coverage of net charge-offs (x) | -0.0848% | 5,122 |
| Efficiency ratio | 101.9652% | 498 |
| Assets per employee ($millions) | 2.8409% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3066% | 1,581 |
| Loan loss allowance to noncurrent loans | 43.9773% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 7.1925% | 531 |
| Noncurrent loans to loans | 5.2449% | 912 |
| Net loans and leases to total assets | 67.9149% | 2,298 |
| Net loans and leases to deposits | 81.7583% | 2,146 |
| Net loans and leases to core deposits | 99.2091% | 1,154 |
| Total domestic deposits to total assets | 83.0680% | 4,732 |
| Equity capital to assets | 9.4430% | 5,139 |
| Core capital (leverage) ratio | 8.0315% | 6,237 |
| Tier 1 risk-based capital ratio | 10.4180% | 6,725 |
| Total risk-based capital ratio | 11.6780% | 6,706 |
| Memoranda: | ||
| Average total assets | $578,429,330 | 1,161 |
| Average earning assets | $512,670,330 | 1,199 |
| Average equity | $52,926,670 | 1,345 |
| Average total loans | $392,793,330 | 1,073 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 3,165 |
| Cost of funding earning assets | 1.5718% | 209 |
| Net interest margin | 3.0986% | 6,045 |
| Noninterest income to average assets | 0.6893% | 2,714 |
| Noninterest expense to average assets | 3.6242% | 1,512 |
| Loan and lease loss provision to assets | 0.6124% | 925 |
| Net operating income to assets | -0.4083% | 6,777 |
| Return on assets (ROA) | -0.4083% | 6,812 |
| Pretax return on assets | -0.7812% | 6,926 |
| Return on Equity (ROE) | -4.5312% | 6,835 |
| Retained earnings to average equity (ytd only) | -4.5312% | 6,550 |
| Net charge-offs to loans | 2.4538% | 341 |
| Credit loss provision to net charge-offs | 37.1747% | 3,495 |
| Earnings coverage of net charge-offs (x) | -0.1024% | 4,408 |
| Efficiency ratio | 104.5884% | 441 |
| Assets per employee ($millions) | 2.9168% | 6,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 3,114 |
| Loan loss allowance to noncurrent loans | 24.3457% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 7.3049% | 564 |
| Noncurrent loans to loans | 7.2358% | 597 |
| Net loans and leases to total assets | 66.4072% | 2,388 |
| Net loans and leases to deposits | 79.8328% | 2,222 |
| Net loans and leases to core deposits | 101.0245% | 927 |
| Total domestic deposits to total assets | 83.1828% | 4,852 |
| Equity capital to assets | 9.0795% | 5,386 |
| Core capital (leverage) ratio | 8.0193% | 6,243 |
| Tier 1 risk-based capital ratio | 10.6930% | 6,675 |
| Total risk-based capital ratio | 11.9425% | 6,656 |
| Memoranda: | ||
| Average total assets | $587,819,000 | 1,143 |
| Average earning assets | $524,757,500 | 1,167 |
| Average equity | $52,966,000 | 1,337 |
| Average total loans | $394,660,000 | 1,070 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 2,659 |
| Cost of funding earning assets | 1.7019% | 317 |
| Net interest margin | 3.3469% | 5,658 |
| Noninterest income to average assets | 0.8752% | 1,756 |
| Noninterest expense to average assets | 4.2337% | 778 |
| Loan and lease loss provision to assets | 0.6186% | 1,662 |
| Net operating income to assets | -0.4747% | 6,465 |
| Return on assets (ROA) | -0.3943% | 6,466 |
| Pretax return on assets | -0.9166% | 6,700 |
| Return on Equity (ROE) | -4.4550% | 6,498 |
| Retained earnings to average equity (ytd only) | -4.4550% | 6,405 |
| Net charge-offs to loans | 0.8693% | 1,996 |
| Credit loss provision to net charge-offs | 102.2634% | 3,388 |
| Earnings coverage of net charge-offs (x) | -0.7003% | 6,145 |
| Efficiency ratio | 110.8071% | 424 |
| Assets per employee ($millions) | 2.9760% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1245% | 1,942 |
| Loan loss allowance to noncurrent loans | 25.4627% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 7.9519% | 512 |
| Noncurrent loans to loans | 8.3434% | 462 |
| Net loans and leases to total assets | 65.2760% | 2,925 |
| Net loans and leases to deposits | 78.1155% | 2,820 |
| Net loans and leases to core deposits | 100.2206% | 1,158 |
| Total domestic deposits to total assets | 83.5634% | 4,510 |
| Equity capital to assets | 8.9434% | 5,617 |
| Core capital (leverage) ratio | 8.0423% | 6,212 |
| Tier 1 risk-based capital ratio | 10.6958% | 6,607 |
| Total risk-based capital ratio | 11.9537% | 6,575 |
| Memoranda: | ||
| Average total assets | $606,177,200 | 1,081 |
| Average earning assets | $531,567,000 | 1,125 |
| Average equity | $53,647,800 | 1,264 |
| Average total loans | $421,847,400 | 996 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 2,548 |
| Cost of funding earning assets | 1.7148% | 375 |
| Net interest margin | 3.3970% | 5,590 |
| Noninterest income to average assets | 0.8472% | 1,850 |
| Noninterest expense to average assets | 4.0151% | 990 |
| Loan and lease loss provision to assets | 0.6897% | 1,400 |
| Net operating income to assets | -0.3687% | 6,562 |
| Return on assets (ROA) | -0.3317% | 6,584 |
| Pretax return on assets | -0.8360% | 6,800 |
| Return on Equity (ROE) | -3.7579% | 6,616 |
| Retained earnings to average equity (ytd only) | -3.7579% | 6,494 |
| Net charge-offs to loans | 0.6285% | 2,365 |
| Credit loss provision to net charge-offs | 156.0951% | 1,991 |
| Earnings coverage of net charge-offs (x) | -0.4618% | 5,819 |
| Efficiency ratio | 105.0330% | 524 |
| Assets per employee ($millions) | 2.9801% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2519% | 1,771 |
| Loan loss allowance to noncurrent loans | 26.3213% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 8.5720% | 482 |
| Noncurrent loans to loans | 8.5555% | 492 |
| Net loans and leases to total assets | 68.3722% | 2,408 |
| Net loans and leases to deposits | 81.7957% | 2,398 |
| Net loans and leases to core deposits | 105.5647% | 891 |
| Total domestic deposits to total assets | 83.5890% | 4,439 |
| Equity capital to assets | 8.8597% | 5,903 |
| Core capital (leverage) ratio | 8.1247% | 6,253 |
| Tier 1 risk-based capital ratio | 10.2845% | 6,865 |
| Total risk-based capital ratio | 11.5439% | 6,848 |
| Memoranda: | ||
| Average total assets | $608,924,000 | 1,079 |
| Average earning assets | $531,286,250 | 1,136 |
| Average equity | $53,752,250 | 1,265 |
| Average total loans | $428,072,000 | 988 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 2,325 |
| Cost of funding earning assets | 1.7274% | 423 |
| Net interest margin | 3.4572% | 5,330 |
| Noninterest income to average assets | 0.8903% | 1,674 |
| Noninterest expense to average assets | 3.9778% | 1,083 |
| Loan and lease loss provision to assets | 0.6871% | 1,390 |
| Net operating income to assets | -0.2945% | 6,552 |
| Return on assets (ROA) | -0.2945% | 6,580 |
| Pretax return on assets | -0.7787% | 6,814 |
| Return on Equity (ROE) | -3.3400% | 6,610 |
| Retained earnings to average equity (ytd only) | -3.3400% | 6,410 |
| Net charge-offs to loans | 0.4043% | 2,935 |
| Credit loss provision to net charge-offs | 241.3793% | 1,252 |
| Earnings coverage of net charge-offs (x) | -0.3218% | 5,462 |
| Efficiency ratio | 102.0123% | 661 |
| Assets per employee ($millions) | 2.9558% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2822% | 1,776 |
| Loan loss allowance to noncurrent loans | 26.4628% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 8.8247% | 481 |
| Noncurrent loans to loans | 8.6242% | 496 |
| Net loans and leases to total assets | 69.0354% | 2,405 |
| Net loans and leases to deposits | 83.1436% | 2,245 |
| Net loans and leases to core deposits | 107.0377% | 862 |
| Total domestic deposits to total assets | 83.0315% | 4,739 |
| Equity capital to assets | 9.0553% | 5,499 |
| Core capital (leverage) ratio | 8.2835% | 5,896 |
| Tier 1 risk-based capital ratio | 10.7571% | 6,683 |
| Total risk-based capital ratio | 12.0121% | 6,660 |
| Memoranda: | ||
| Average total assets | $611,241,000 | 1,082 |
| Average earning assets | $529,683,000 | 1,151 |
| Average equity | $53,892,000 | 1,249 |
| Average total loans | $430,408,000 | 1,001 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 2,517 |
| Cost of funding earning assets | 1.7679% | 424 |
| Net interest margin | 3.3611% | 5,579 |
| Noninterest income to average assets | 1.0655% | 1,157 |
| Noninterest expense to average assets | 3.9916% | 1,045 |
| Loan and lease loss provision to assets | 0.6776% | 1,260 |
| Net operating income to assets | -0.2575% | 6,615 |
| Return on assets (ROA) | -0.2575% | 6,628 |
| Pretax return on assets | -0.7215% | 6,880 |
| Return on Equity (ROE) | -2.9589% | 6,663 |
| Retained earnings to average equity (ytd only) | -2.9589% | 6,289 |
| Net charge-offs to loans | 0.1065% | 3,893 |
| Credit loss provision to net charge-offs | 905.1724% | 418 |
| Earnings coverage of net charge-offs (x) | -0.5862% | 4,819 |
| Efficiency ratio | 100.7684% | 709 |
| Assets per employee ($millions) | 3.1021% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1710% | 2,028 |
| Loan loss allowance to noncurrent loans | 23.2373% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 9.3570% | 455 |
| Noncurrent loans to loans | 9.3426% | 459 |
| Net loans and leases to total assets | 68.4579% | 2,463 |
| Net loans and leases to deposits | 82.1844% | 2,332 |
| Net loans and leases to core deposits | 105.1185% | 991 |
| Total domestic deposits to total assets | 83.2980% | 4,795 |
| Equity capital to assets | 8.7973% | 5,502 |
| Core capital (leverage) ratio | 8.3186% | 5,777 |
| Tier 1 risk-based capital ratio | 10.7475% | 6,667 |
| Total risk-based capital ratio | 11.9976% | 6,652 |
| Memoranda: | ||
| Average total assets | $619,807,500 | 1,077 |
| Average earning assets | $531,491,000 | 1,152 |
| Average equity | $53,939,000 | 1,238 |
| Average total loans | $435,750,000 | 1,003 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3904% | 2,717 |
| Cost of funding earning assets | 2.1085% | 414 |
| Net interest margin | 3.2819% | 6,035 |
| Noninterest income to average assets | 0.8870% | 1,896 |
| Noninterest expense to average assets | 3.8710% | 1,362 |
| Loan and lease loss provision to assets | 1.9550% | 684 |
| Net operating income to assets | -2.6113% | 7,211 |
| Return on assets (ROA) | -2.5203% | 7,198 |
| Pretax return on assets | -2.1078% | 7,060 |
| Return on Equity (ROE) | -27.9544% | 7,189 |
| Retained earnings to average equity (ytd only) | -27.9544% | 7,177 |
| Net charge-offs to loans | 2.6670% | 683 |
| Credit loss provision to net charge-offs | 102.7069% | 4,402 |
| Earnings coverage of net charge-offs (x) | -0.1281% | 6,245 |
| Efficiency ratio | 105.9702% | 625 |
| Assets per employee ($millions) | 3.0658% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 2,613 |
| Loan loss allowance to noncurrent loans | 19.5788% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 9.6124% | 442 |
| Noncurrent loans to loans | 9.6074% | 452 |
| Net loans and leases to total assets | 69.2936% | 2,708 |
| Net loans and leases to deposits | 83.0899% | 2,610 |
| Net loans and leases to core deposits | 105.9983% | 1,190 |
| Total domestic deposits to total assets | 83.3960% | 4,647 |
| Equity capital to assets | 8.6104% | 5,707 |
| Core capital (leverage) ratio | 7.8615% | 6,366 |
| Tier 1 risk-based capital ratio | 10.5916% | 6,643 |
| Total risk-based capital ratio | 11.8470% | 6,607 |
| Memoranda: | ||
| Average total assets | $679,274,000 | 976 |
| Average earning assets | $567,180,000 | 1,067 |
| Average equity | $61,242,600 | 1,085 |
| Average total loans | $484,813,000 | 926 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3798% | 2,974 |
| Cost of funding earning assets | 2.1275% | 485 |
| Net interest margin | 3.2523% | 6,163 |
| Noninterest income to average assets | 0.8364% | 2,046 |
| Noninterest expense to average assets | 3.6305% | 1,716 |
| Loan and lease loss provision to assets | 1.2910% | 1,081 |
| Net operating income to assets | -0.6911% | 6,726 |
| Return on assets (ROA) | -0.6249% | 6,729 |
| Pretax return on assets | -1.2634% | 6,965 |
| Return on Equity (ROE) | -6.8607% | 6,782 |
| Retained earnings to average equity (ytd only) | -6.8607% | 6,706 |
| Net charge-offs to loans | 1.1269% | 1,809 |
| Credit loss provision to net charge-offs | 160.1338% | 2,365 |
| Earnings coverage of net charge-offs (x) | -0.0942% | 6,103 |
| Efficiency ratio | 101.6208% | 695 |
| Assets per employee ($millions) | 3.1979% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2174% | 1,769 |
| Loan loss allowance to noncurrent loans | 19.0602% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 10.3491% | 378 |
| Noncurrent loans to loans | 11.6334% | 316 |
| Net loans and leases to total assets | 69.0411% | 2,973 |
| Net loans and leases to deposits | 84.4362% | 2,635 |
| Net loans and leases to core deposits | 114.3046% | 821 |
| Total domestic deposits to total assets | 81.7672% | 5,091 |
| Equity capital to assets | 10.2313% | 3,837 |
| Core capital (leverage) ratio | 9.0679% | 4,571 |
| Tier 1 risk-based capital ratio | 11.3309% | 6,071 |
| Total risk-based capital ratio | 12.5900% | 6,058 |
| Memoranda: | ||
| Average total assets | $691,968,000 | 967 |
| Average earning assets | $578,323,250 | 1,049 |
| Average equity | $63,024,250 | 1,061 |
| Average total loans | $495,051,750 | 910 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 2,984 |
| Cost of funding earning assets | 2.2018% | 463 |
| Net interest margin | 3.1972% | 6,328 |
| Noninterest income to average assets | 0.7802% | 2,234 |
| Noninterest expense to average assets | 3.5723% | 1,848 |
| Loan and lease loss provision to assets | 1.3452% | 1,006 |
| Net operating income to assets | -0.7659% | 6,845 |
| Return on assets (ROA) | -0.6738% | 6,810 |
| Pretax return on assets | -1.3301% | 7,023 |
| Return on Equity (ROE) | -7.7017% | 6,871 |
| Retained earnings to average equity (ytd only) | -7.7017% | 6,788 |
| Net charge-offs to loans | 1.0689% | 1,761 |
| Credit loss provision to net charge-offs | 175.1770% | 2,235 |
| Earnings coverage of net charge-offs (x) | -0.1677% | 5,853 |
| Efficiency ratio | 103.1751% | 704 |
| Assets per employee ($millions) | 3.3034% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 2,099 |
| Loan loss allowance to noncurrent loans | 17.8088% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 10.3420% | 376 |
| Noncurrent loans to loans | 11.4462% | 334 |
| Net loans and leases to total assets | 70.0545% | 2,882 |
| Net loans and leases to deposits | 85.1392% | 2,672 |
| Net loans and leases to core deposits | 119.8542% | 701 |
| Total domestic deposits to total assets | 82.2823% | 4,875 |
| Equity capital to assets | 9.6292% | 4,499 |
| Core capital (leverage) ratio | 8.5796% | 5,278 |
| Tier 1 risk-based capital ratio | 10.7230% | 6,507 |
| Total risk-based capital ratio | 11.9756% | 6,494 |
| Memoranda: | ||
| Average total assets | $698,769,330 | 965 |
| Average earning assets | $582,076,330 | 1,055 |
| Average equity | $61,129,000 | 1,090 |
| Average total loans | $502,012,670 | 905 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4207% | 2,939 |
| Cost of funding earning assets | 2.3380% | 382 |
| Net interest margin | 3.0827% | 6,641 |
| Noninterest income to average assets | 0.6886% | 2,672 |
| Noninterest expense to average assets | 3.5867% | 1,771 |
| Loan and lease loss provision to assets | 0.4258% | 2,832 |
| Net operating income to assets | -0.3079% | 6,676 |
| Return on assets (ROA) | -0.1306% | 6,542 |
| Pretax return on assets | -0.5018% | 6,786 |
| Return on Equity (ROE) | -1.5696% | 6,589 |
| Retained earnings to average equity (ytd only) | -1.5696% | 6,138 |
| Net charge-offs to loans | 0.7600% | 1,992 |
| Credit loss provision to net charge-offs | 77.8008% | 3,933 |
| Earnings coverage of net charge-offs (x) | -0.6452% | 5,324 |
| Efficiency ratio | 110.3055% | 590 |
| Assets per employee ($millions) | 3.1443% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 3,650 |
| Loan loss allowance to noncurrent loans | 13.7500% | 7,245 |
| Noncurrent assets plus other real estate owned to assets | 9.8480% | 411 |
| Noncurrent loans to loans | 11.2900% | 337 |
| Net loans and leases to total assets | 71.0483% | 2,686 |
| Net loans and leases to deposits | 86.0212% | 2,584 |
| Net loans and leases to core deposits | 120.5068% | 768 |
| Total domestic deposits to total assets | 82.5939% | 4,804 |
| Equity capital to assets | 8.9097% | 5,401 |
| Core capital (leverage) ratio | 7.8963% | 6,389 |
| Tier 1 risk-based capital ratio | 10.2264% | 6,868 |
| Total risk-based capital ratio | 11.4751% | 6,859 |
| Memoranda: | ||
| Average total assets | $704,605,000 | 976 |
| Average earning assets | $581,695,000 | 1,076 |
| Average equity | $58,612,500 | 1,136 |
| Average total loans | $507,339,500 | 923 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 4,491 |
| Cost of funding earning assets | 2.3019% | 1,645 |
| Net interest margin | 3.1385% | 6,260 |
| Noninterest income to average assets | 0.7819% | 2,497 |
| Noninterest expense to average assets | 4.3420% | 940 |
| Loan and lease loss provision to assets | 1.7959% | 1,263 |
| Net operating income to assets | -1.6167% | 6,913 |
| Return on assets (ROA) | -1.4764% | 6,854 |
| Pretax return on assets | -2.3860% | 7,103 |
| Return on Equity (ROE) | -16.1685% | 6,997 |
| Retained earnings to average equity (ytd only) | -16.1685% | 6,946 |
| Net charge-offs to loans | 2.3207% | 1,002 |
| Credit loss provision to net charge-offs | 108.9871% | 5,071 |
| Earnings coverage of net charge-offs (x) | -0.4912% | 6,686 |
| Efficiency ratio | 107.6824% | 849 |
| Assets per employee ($millions) | 3.1330% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 3,443 |
| Loan loss allowance to noncurrent loans | 14.0173% | 7,285 |
| Noncurrent assets plus other real estate owned to assets | 9.6271% | 401 |
| Noncurrent loans to loans | 11.1196% | 338 |
| Net loans and leases to total assets | 70.7229% | 3,074 |
| Net loans and leases to deposits | 88.6926% | 2,444 |
| Net loans and leases to core deposits | 178.4551% | 173 |
| Total domestic deposits to total assets | 79.7394% | 5,756 |
| Equity capital to assets | 7.7434% | 6,819 |
| Core capital (leverage) ratio | 6.9938% | 7,245 |
| Tier 1 risk-based capital ratio | 8.9498% | 7,486 |
| Total risk-based capital ratio | 10.2032% | 7,508 |
| Memoranda: | ||
| Average total assets | $701,595,000 | 981 |
| Average earning assets | $614,875,000 | 1,014 |
| Average equity | $64,063,000 | 1,032 |
| Average total loans | $498,169,600 | 961 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 4,678 |
| Cost of funding earning assets | 2.2402% | 2,232 |
| Net interest margin | 3.2121% | 5,969 |
| Noninterest income to average assets | 0.7913% | 2,476 |
| Noninterest expense to average assets | 3.4033% | 2,569 |
| Loan and lease loss provision to assets | 1.1454% | 1,700 |
| Net operating income to assets | -0.3819% | 6,294 |
| Return on assets (ROA) | -0.2762% | 6,181 |
| Pretax return on assets | -0.7298% | 6,505 |
| Return on Equity (ROE) | -2.9121% | 6,231 |
| Retained earnings to average equity (ytd only) | -2.9121% | 5,919 |
| Net charge-offs to loans | 1.1448% | 1,763 |
| Credit loss provision to net charge-offs | 141.3428% | 3,475 |
| Earnings coverage of net charge-offs (x) | 0.3091% | 5,714 |
| Efficiency ratio | 92.4761% | 1,506 |
| Assets per employee ($millions) | 3.0092% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 2,683 |
| Loan loss allowance to noncurrent loans | 19.4254% | 7,121 |
| Noncurrent assets plus other real estate owned to assets | 8.1922% | 513 |
| Noncurrent loans to loans | 8.6796% | 527 |
| Net loans and leases to total assets | 73.7434% | 2,608 |
| Net loans and leases to deposits | 95.7349% | 1,615 |
| Net loans and leases to core deposits | 183.2325% | 170 |
| Total domestic deposits to total assets | 77.0288% | 6,329 |
| Equity capital to assets | 9.4621% | 4,797 |
| Core capital (leverage) ratio | 8.5238% | 5,450 |
| Tier 1 risk-based capital ratio | 10.1328% | 6,847 |
| Total risk-based capital ratio | 11.3866% | 6,790 |
| Memoranda: | ||
| Average total assets | $698,412,250 | 993 |
| Average earning assets | $622,383,250 | 1,019 |
| Average equity | $66,250,500 | 1,011 |
| Average total loans | $494,414,250 | 992 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3479% | 5,406 |
| Cost of funding earning assets | 2.1931% | 2,824 |
| Net interest margin | 3.1548% | 6,075 |
| Noninterest income to average assets | 0.8753% | 2,077 |
| Noninterest expense to average assets | 3.3818% | 2,686 |
| Loan and lease loss provision to assets | 0.7983% | 2,093 |
| Net operating income to assets | -0.1105% | 6,032 |
| Return on assets (ROA) | 0.0168% | 5,869 |
| Pretax return on assets | -0.2822% | 6,219 |
| Return on Equity (ROE) | 0.1772% | 5,866 |
| Retained earnings to average equity (ytd only) | 0.1772% | 5,141 |
| Net charge-offs to loans | 1.2524% | 1,474 |
| Credit loss provision to net charge-offs | 91.8334% | 4,868 |
| Earnings coverage of net charge-offs (x) | 0.3647% | 5,316 |
| Efficiency ratio | 90.7199% | 1,751 |
| Assets per employee ($millions) | 2.7793% | 6,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 4,069 |
| Loan loss allowance to noncurrent loans | 16.2470% | 7,322 |
| Noncurrent assets plus other real estate owned to assets | 7.7256% | 507 |
| Noncurrent loans to loans | 8.2190% | 526 |
| Net loans and leases to total assets | 75.9185% | 2,201 |
| Net loans and leases to deposits | 102.6453% | 1,025 |
| Net loans and leases to core deposits | 178.3811% | 236 |
| Total domestic deposits to total assets | 73.9620% | 6,953 |
| Equity capital to assets | 10.1194% | 3,797 |
| Core capital (leverage) ratio | 9.5424% | 3,822 |
| Tier 1 risk-based capital ratio | 11.2732% | 5,618 |
| Total risk-based capital ratio | 12.5097% | 5,546 |
| Memoranda: | ||
| Average total assets | $701,511,330 | 1,002 |
| Average earning assets | $627,868,670 | 1,027 |
| Average equity | $66,599,000 | 1,010 |
| Average total loans | $486,921,670 | 1,028 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 7,029 |
| Cost of funding earning assets | 2.0835% | 3,721 |
| Net interest margin | 2.8782% | 6,804 |
| Noninterest income to average assets | 0.8196% | 2,235 |
| Noninterest expense to average assets | 3.0999% | 3,378 |
| Loan and lease loss provision to assets | 0.1654% | 4,815 |
| Net operating income to assets | 0.1830% | 5,708 |
| Return on assets (ROA) | 0.5054% | 4,583 |
| Pretax return on assets | 0.4740% | 5,158 |
| Return on Equity (ROE) | 5.4868% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.4868% | 2,865 |
| Net charge-offs to loans | 1.8852% | 764 |
| Credit loss provision to net charge-offs | 13.2861% | 5,162 |
| Earnings coverage of net charge-offs (x) | 0.2547% | 4,770 |
| Efficiency ratio | 90.0468% | 1,713 |
| Assets per employee ($millions) | 2.6983% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 5,881 |
| Loan loss allowance to noncurrent loans | 17.6046% | 7,282 |
| Noncurrent assets plus other real estate owned to assets | 5.7001% | 729 |
| Noncurrent loans to loans | 5.8939% | 825 |
| Net loans and leases to total assets | 75.2354% | 2,440 |
| Net loans and leases to deposits | 103.1146% | 1,077 |
| Net loans and leases to core deposits | 175.2251% | 286 |
| Total domestic deposits to total assets | 72.9629% | 7,061 |
| Equity capital to assets | 10.6409% | 3,337 |
| Core capital (leverage) ratio | 9.6523% | 3,818 |
| Tier 1 risk-based capital ratio | 11.9293% | 5,020 |
| Total risk-based capital ratio | 12.8918% | 5,176 |
| Memoranda: | ||
| Average total assets | $725,696,500 | 966 |
| Average earning assets | $654,861,000 | 978 |
| Average equity | $66,851,500 | 1,009 |
| Average total loans | $479,099,500 | 1,056 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6971% | 6,789 |
| Cost of funding earning assets | 2.4350% | 4,545 |
| Net interest margin | 3.2621% | 6,175 |
| Noninterest income to average assets | 0.7774% | 2,632 |
| Noninterest expense to average assets | 3.2661% | 3,087 |
| Loan and lease loss provision to assets | 0.7276% | 2,033 |
| Net operating income to assets | -0.0290% | 6,411 |
| Return on assets (ROA) | -0.1045% | 6,353 |
| Pretax return on assets | -0.3524% | 6,503 |
| Return on Equity (ROE) | -0.9558% | 6,358 |
| Retained earnings to average equity (ytd only) | -9.1833% | 6,988 |
| Net charge-offs to loans | 0.4936% | 2,384 |
| Credit loss provision to net charge-offs | 217.2784% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.4727% | 5,370 |
| Efficiency ratio | 85.9718% | 1,852 |
| Assets per employee ($millions) | 3.4054% | 4,928 |
| Cash dividends to net income (ytd only)* | -860.8321% | 8,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 2,873 |
| Loan loss allowance to noncurrent loans | 26.0966% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 3.8192% | 1,113 |
| Noncurrent loans to loans | 5.6023% | 709 |
| Net loans and leases to total assets | 57.4050% | 6,289 |
| Net loans and leases to deposits | 73.8035% | 5,868 |
| Net loans and leases to core deposits | 97.4896% | 5,099 |
| Total domestic deposits to total assets | 77.7809% | 5,779 |
| Equity capital to assets | 8.1034% | 6,689 |
| Core capital (leverage) ratio | 10.0087% | 3,435 |
| Tier 1 risk-based capital ratio | 10.5344% | 6,175 |
| Total risk-based capital ratio | 11.7052% | 6,133 |
| Memoranda: | ||
| Average total assets | $667,094,000 | 1,000 |
| Average earning assets | $609,785,800 | 997 |
| Average equity | $72,926,200 | 913 |
| Average total loans | $452,614,200 | 1,062 |