Home > Texas Citizens Bank > Performance and Condition Ratios
Texas Citizens Bank, 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 | 4.0678% | 1,214 |
| Cost of funding earning assets | 0.2481% | 2,956 |
| Net interest margin | 3.8197% | 968 |
| Noninterest income to average assets | 0.3880% | 3,118 |
| Noninterest expense to average assets | 3.3305% | 599 |
| Loan and lease loss provision to assets | -0.1530% | 4,635 |
| Net operating income to assets | 0.6284% | 3,814 |
| Return on assets (ROA) | 0.7347% | 3,594 |
| Pretax return on assets | 0.9177% | 3,463 |
| Return on Equity (ROE) | 7.0145% | 3,515 |
| Retained earnings to average equity (ytd only) | 4.1745% | 3,156 |
| Net charge-offs to loans | 0.0230% | 1,791 |
| Credit loss provision to net charge-offs | -901.0989% | 3,894 |
| Earnings coverage of net charge-offs (x) | 37.2088% | 1,475 |
| Efficiency ratio | 84.0539% | 568 |
| Assets per employee ($millions) | 5.9983% | 2,779 |
| Cash dividends to net income (ytd only)* | 40.4877% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 847 |
| Loan loss allowance to noncurrent loans | 81.2829% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 289 |
| Noncurrent loans to loans | 2.2265% | 330 |
| Net loans and leases to total assets | 64.4900% | 1,651 |
| Net loans and leases to deposits | 72.9092% | 1,820 |
| Net loans and leases to core deposits | 75.3733% | 1,968 |
| Total domestic deposits to total assets | 88.4524% | 1,813 |
| Equity capital to assets | 10.3925% | 2,275 |
| Core capital (leverage) ratio | 10.5965% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5198% | 1,381 |
| Memoranda: | ||
| Average total assets | $535,888,600 | 1,607 |
| Average earning assets | $501,479,800 | 1,603 |
| Average equity | $56,126,400 | 1,608 |
| Average total loans | $396,009,600 | 1,388 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 1,127 |
| Cost of funding earning assets | 0.2740% | 2,855 |
| Net interest margin | 3.9142% | 914 |
| Noninterest income to average assets | 0.3899% | 3,146 |
| Noninterest expense to average assets | 3.3865% | 543 |
| Loan and lease loss provision to assets | -0.2049% | 4,754 |
| Net operating income to assets | 0.6953% | 3,777 |
| Return on assets (ROA) | 0.8409% | 3,475 |
| Pretax return on assets | 1.0503% | 3,320 |
| Return on Equity (ROE) | 8.0127% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.1791% | 2,352 |
| Net charge-offs to loans | 0.0576% | 1,072 |
| Credit loss provision to net charge-offs | -468.5714% | 3,631 |
| Earnings coverage of net charge-offs (x) | 15.1657% | 1,870 |
| Efficiency ratio | 83.6193% | 541 |
| Assets per employee ($millions) | 5.5990% | 3,101 |
| Cash dividends to net income (ytd only)* | 10.4043% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 1,007 |
| Loan loss allowance to noncurrent loans | 82.5364% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.5063% | 326 |
| Noncurrent loans to loans | 2.1250% | 398 |
| Net loans and leases to total assets | 69.6421% | 1,114 |
| Net loans and leases to deposits | 79.2979% | 1,351 |
| Net loans and leases to core deposits | 82.3678% | 1,543 |
| Total domestic deposits to total assets | 87.8235% | 1,947 |
| Equity capital to assets | 11.1432% | 1,920 |
| Core capital (leverage) ratio | 10.8298% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8906% | 1,370 |
| Memoranda: | ||
| Average total assets | $533,399,250 | 1,627 |
| Average earning assets | $498,751,250 | 1,620 |
| Average equity | $55,976,250 | 1,625 |
| Average total loans | $405,386,000 | 1,388 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 1,408 |
| Cost of funding earning assets | 0.2998% | 2,777 |
| Net interest margin | 3.7692% | 1,193 |
| Noninterest income to average assets | 0.4419% | 2,893 |
| Noninterest expense to average assets | 3.2945% | 619 |
| Loan and lease loss provision to assets | -0.3040% | 4,840 |
| Net operating income to assets | 0.7835% | 3,557 |
| Return on assets (ROA) | 0.8823% | 3,347 |
| Pretax return on assets | 1.1025% | 3,207 |
| Return on Equity (ROE) | 8.5763% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.5763% | 1,863 |
| Net charge-offs to loans | 0.1313% | 606 |
| Credit loss provision to net charge-offs | -298.1818% | 3,314 |
| Earnings coverage of net charge-offs (x) | 6.6218% | 1,951 |
| Efficiency ratio | 82.9940% | 615 |
| Assets per employee ($millions) | 5.8431% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 1,402 |
| Loan loss allowance to noncurrent loans | 78.0681% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.5021% | 379 |
| Noncurrent loans to loans | 1.9943% | 494 |
| Net loans and leases to total assets | 74.1495% | 738 |
| Net loans and leases to deposits | 87.8566% | 783 |
| Net loans and leases to core deposits | 91.5255% | 1,038 |
| Total domestic deposits to total assets | 84.3984% | 3,316 |
| Equity capital to assets | 10.5595% | 2,344 |
| Core capital (leverage) ratio | 10.5548% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0156% | 1,622 |
| Memoranda: | ||
| Average total assets | $539,497,333 | 1,599 |
| Average earning assets | $504,932,667 | 1,594 |
| Average equity | $55,502,000 | 1,629 |
| Average total loans | $418,803,333 | 1,358 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 1,309 |
| Cost of funding earning assets | 0.3294% | 2,713 |
| Net interest margin | 3.8083% | 1,118 |
| Noninterest income to average assets | 0.3553% | 3,308 |
| Noninterest expense to average assets | 3.3727% | 544 |
| Loan and lease loss provision to assets | -0.2590% | 4,842 |
| Net operating income to assets | 0.6448% | 3,822 |
| Return on assets (ROA) | 0.7164% | 3,738 |
| Pretax return on assets | 0.8911% | 3,621 |
| Return on Equity (ROE) | 7.0566% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.0566% | 2,561 |
| Net charge-offs to loans | 0.3241% | 261 |
| Credit loss provision to net charge-offs | -101.4493% | 2,836 |
| Earnings coverage of net charge-offs (x) | 2.1246% | 1,821 |
| Efficiency ratio | 86.1437% | 505 |
| Assets per employee ($millions) | 5.7556% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,433 |
| Loan loss allowance to noncurrent loans | 54.5573% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.2473% | 203 |
| Noncurrent loans to loans | 2.8360% | 290 |
| Net loans and leases to total assets | 78.0177% | 467 |
| Net loans and leases to deposits | 94.8614% | 448 |
| Net loans and leases to core deposits | 101.1016% | 667 |
| Total domestic deposits to total assets | 82.2438% | 3,843 |
| Equity capital to assets | 10.1237% | 2,585 |
| Core capital (leverage) ratio | 10.6174% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8962% | 1,600 |
| Memoranda: | ||
| Average total assets | $540,463,500 | 1,582 |
| Average earning assets | $505,207,000 | 1,576 |
| Average equity | $54,871,000 | 1,638 |
| Average total loans | $425,752,000 | 1,345 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 579 |
| Cost of funding earning assets | 0.6215% | 2,170 |
| Net interest margin | 4.2971% | 511 |
| Noninterest income to average assets | 0.2444% | 4,025 |
| Noninterest expense to average assets | 3.6397% | 572 |
| Loan and lease loss provision to assets | 0.2230% | 1,754 |
| Net operating income to assets | 0.3044% | 4,426 |
| Return on assets (ROA) | 0.3182% | 4,470 |
| Pretax return on assets | 0.3894% | 4,439 |
| Return on Equity (ROE) | 3.2655% | 4,311 |
| Retained earnings to average equity (ytd only) | 3.2655% | 3,196 |
| Net charge-offs to loans | 0.3716% | 466 |
| Credit loss provision to net charge-offs | 75.2339% | 3,016 |
| Earnings coverage of net charge-offs (x) | 2.0094% | 3,210 |
| Efficiency ratio | 85.9388% | 534 |
| Assets per employee ($millions) | 5.7435% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 911 |
| Loan loss allowance to noncurrent loans | 53.0166% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 2.8234% | 139 |
| Noncurrent loans to loans | 3.3371% | 229 |
| Net loans and leases to total assets | 76.9106% | 703 |
| Net loans and leases to deposits | 97.9789% | 462 |
| Net loans and leases to core deposits | 105.7540% | 653 |
| Total domestic deposits to total assets | 78.4971% | 4,262 |
| Equity capital to assets | 10.1821% | 2,951 |
| Core capital (leverage) ratio | 10.3436% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4524% | 1,697 |
| Memoranda: | ||
| Average total assets | $540,869,600 | 1,452 |
| Average earning assets | $502,310,800 | 1,450 |
| Average equity | $52,702,000 | 1,607 |
| Average total loans | $431,403,400 | 1,269 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9589% | 651 |
| Cost of funding earning assets | 0.7007% | 2,021 |
| Net interest margin | 4.2582% | 641 |
| Noninterest income to average assets | 0.2514% | 3,972 |
| Noninterest expense to average assets | 3.7344% | 496 |
| Loan and lease loss provision to assets | 0.2964% | 1,365 |
| Net operating income to assets | 0.1471% | 4,653 |
| Return on assets (ROA) | 0.1273% | 4,702 |
| Pretax return on assets | 0.1489% | 4,694 |
| Return on Equity (ROE) | 1.3210% | 4,653 |
| Retained earnings to average equity (ytd only) | 1.3210% | 4,143 |
| Net charge-offs to loans | 0.5276% | 282 |
| Credit loss provision to net charge-offs | 70.1163% | 2,808 |
| Earnings coverage of net charge-offs (x) | 1.1087% | 3,093 |
| Efficiency ratio | 88.8499% | 395 |
| Assets per employee ($millions) | 5.3092% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 1,137 |
| Loan loss allowance to noncurrent loans | 52.3245% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.6983% | 182 |
| Noncurrent loans to loans | 3.0366% | 302 |
| Net loans and leases to total assets | 80.9058% | 533 |
| Net loans and leases to deposits | 104.6695% | 367 |
| Net loans and leases to core deposits | 112.5211% | 611 |
| Total domestic deposits to total assets | 77.2964% | 4,288 |
| Equity capital to assets | 9.5405% | 3,652 |
| Core capital (leverage) ratio | 9.9675% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6362% | 1,955 |
| Memoranda: | ||
| Average total assets | $542,551,500 | 1,430 |
| Average earning assets | $503,483,250 | 1,430 |
| Average equity | $52,280,750 | 1,611 |
| Average total loans | $434,701,500 | 1,259 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1810% | 592 |
| Cost of funding earning assets | 0.8105% | 1,777 |
| Net interest margin | 4.3705% | 655 |
| Noninterest income to average assets | 0.2266% | 4,130 |
| Noninterest expense to average assets | 3.9380% | 436 |
| Loan and lease loss provision to assets | 0.7258% | 373 |
| Net operating income to assets | -0.2981% | 4,877 |
| Return on assets (ROA) | -0.3252% | 4,883 |
| Pretax return on assets | -0.4230% | 4,886 |
| Return on Equity (ROE) | -3.3629% | 4,903 |
| Retained earnings to average equity (ytd only) | -3.3629% | 4,684 |
| Net charge-offs to loans | 0.8439% | 182 |
| Credit loss provision to net charge-offs | 108.3287% | 2,346 |
| Earnings coverage of net charge-offs (x) | 0.5031% | 2,916 |
| Efficiency ratio | 92.1156% | 341 |
| Assets per employee ($millions) | 5.1716% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 822 |
| Loan loss allowance to noncurrent loans | 54.0912% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.8272% | 181 |
| Noncurrent loans to loans | 3.1342% | 291 |
| Net loans and leases to total assets | 79.5471% | 645 |
| Net loans and leases to deposits | 103.8724% | 383 |
| Net loans and leases to core deposits | 112.6805% | 642 |
| Total domestic deposits to total assets | 76.5816% | 4,369 |
| Equity capital to assets | 8.9422% | 4,136 |
| Core capital (leverage) ratio | 9.5381% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0381% | 2,162 |
| Memoranda: | ||
| Average total assets | $537,579,667 | 1,424 |
| Average earning assets | $497,977,333 | 1,421 |
| Average equity | $51,979,333 | 1,608 |
| Average total loans | $426,833,667 | 1,264 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2482% | 605 |
| Cost of funding earning assets | 0.9687% | 1,569 |
| Net interest margin | 4.2796% | 791 |
| Noninterest income to average assets | 0.2446% | 4,095 |
| Noninterest expense to average assets | 4.3417% | 356 |
| Loan and lease loss provision to assets | 1.0202% | 209 |
| Net operating income to assets | -0.9179% | 4,978 |
| Return on assets (ROA) | -0.9173% | 4,959 |
| Pretax return on assets | -1.1735% | 4,970 |
| Return on Equity (ROE) | -9.1029% | 4,988 |
| Retained earnings to average equity (ytd only) | -9.1029% | 4,730 |
| Net charge-offs to loans | 0.3124% | 465 |
| Credit loss provision to net charge-offs | 415.7729% | 979 |
| Earnings coverage of net charge-offs (x) | -0.6278% | 2,495 |
| Efficiency ratio | 103.6784% | 197 |
| Assets per employee ($millions) | 4.5330% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1793% | 389 |
| Loan loss allowance to noncurrent loans | 98.2466% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 2.0820% | 384 |
| Noncurrent loans to loans | 2.2182% | 600 |
| Net loans and leases to total assets | 76.4094% | 1,228 |
| Net loans and leases to deposits | 97.0704% | 815 |
| Net loans and leases to core deposits | 117.3141% | 546 |
| Total domestic deposits to total assets | 78.7155% | 4,104 |
| Equity capital to assets | 9.9625% | 3,822 |
| Core capital (leverage) ratio | 9.9830% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2958% | 2,573 |
| Memoranda: | ||
| Average total assets | $516,758,000 | 1,429 |
| Average earning assets | $476,124,500 | 1,432 |
| Average equity | $52,071,500 | 1,599 |
| Average total loans | $405,900,000 | 1,285 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7727% | 340 |
| Cost of funding earning assets | 1.0822% | 1,397 |
| Net interest margin | 4.6905% | 484 |
| Noninterest income to average assets | 0.3937% | 3,332 |
| Noninterest expense to average assets | 3.8014% | 672 |
| Loan and lease loss provision to assets | 0.6339% | 185 |
| Net operating income to assets | 0.2524% | 4,794 |
| Return on assets (ROA) | 0.2634% | 4,809 |
| Pretax return on assets | 0.3244% | 4,797 |
| Return on Equity (ROE) | 2.8296% | 4,690 |
| Retained earnings to average equity (ytd only) | 2.8296% | 3,626 |
| Net charge-offs to loans | 0.7086% | 235 |
| Credit loss provision to net charge-offs | 109.1608% | 2,280 |
| Earnings coverage of net charge-offs (x) | 1.6268% | 3,517 |
| Efficiency ratio | 80.0964% | 937 |
| Assets per employee ($millions) | 4.4167% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 539 |
| Loan loss allowance to noncurrent loans | 114.2438% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.7647% | 506 |
| Noncurrent loans to loans | 1.6720% | 824 |
| Net loans and leases to total assets | 77.4744% | 1,168 |
| Net loans and leases to deposits | 95.0966% | 1,039 |
| Net loans and leases to core deposits | 104.0043% | 1,228 |
| Total domestic deposits to total assets | 81.4692% | 3,660 |
| Equity capital to assets | 10.1906% | 3,741 |
| Core capital (leverage) ratio | 10.0828% | 3,426 |
| Tier 1 risk-based capital ratio | 12.1846% | 4,254 |
| Total risk-based capital ratio | 13.4415% | 4,131 |
| Memoranda: | ||
| Average total assets | $537,665,200 | 1,335 |
| Average earning assets | $498,899,600 | 1,332 |
| Average equity | $50,042,400 | 1,600 |
| Average total loans | $440,559,000 | 1,179 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7598% | 376 |
| Cost of funding earning assets | 1.1202% | 1,275 |
| Net interest margin | 4.6396% | 564 |
| Noninterest income to average assets | 0.3996% | 3,324 |
| Noninterest expense to average assets | 3.7539% | 697 |
| Loan and lease loss provision to assets | 0.7053% | 150 |
| Net operating income to assets | 0.2103% | 4,943 |
| Return on assets (ROA) | 0.2149% | 4,955 |
| Pretax return on assets | 0.2620% | 4,937 |
| Return on Equity (ROE) | 2.3622% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.3622% | 4,152 |
| Net charge-offs to loans | 0.6044% | 266 |
| Credit loss provision to net charge-offs | 141.1996% | 1,714 |
| Earnings coverage of net charge-offs (x) | 1.9253% | 3,241 |
| Efficiency ratio | 79.6052% | 953 |
| Assets per employee ($millions) | 4.5299% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 542 |
| Loan loss allowance to noncurrent loans | 104.1028% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.9238% | 477 |
| Noncurrent loans to loans | 1.8474% | 765 |
| Net loans and leases to total assets | 81.7203% | 598 |
| Net loans and leases to deposits | 101.1865% | 546 |
| Net loans and leases to core deposits | 110.8862% | 903 |
| Total domestic deposits to total assets | 80.7620% | 3,815 |
| Equity capital to assets | 10.0046% | 4,015 |
| Core capital (leverage) ratio | 9.7627% | 3,894 |
| Tier 1 risk-based capital ratio | 11.4051% | 4,718 |
| Total risk-based capital ratio | 12.6620% | 4,609 |
| Memoranda: | ||
| Average total assets | $542,894,000 | 1,331 |
| Average earning assets | $505,025,500 | 1,326 |
| Average equity | $49,388,000 | 1,623 |
| Average total loans | $448,662,500 | 1,164 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7556% | 358 |
| Cost of funding earning assets | 1.1257% | 1,213 |
| Net interest margin | 4.6299% | 580 |
| Noninterest income to average assets | 0.3860% | 3,360 |
| Noninterest expense to average assets | 3.7364% | 717 |
| Loan and lease loss provision to assets | 0.8997% | 108 |
| Net operating income to assets | 0.0540% | 5,082 |
| Return on assets (ROA) | 0.0553% | 5,089 |
| Pretax return on assets | 0.0618% | 5,086 |
| Return on Equity (ROE) | 0.6271% | 5,076 |
| Retained earnings to average equity (ytd only) | 0.6271% | 4,529 |
| Net charge-offs to loans | 0.8873% | 160 |
| Credit loss provision to net charge-offs | 123.0119% | 1,715 |
| Earnings coverage of net charge-offs (x) | 1.3126% | 3,028 |
| Efficiency ratio | 79.5588% | 1,006 |
| Assets per employee ($millions) | 4.9094% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 681 |
| Loan loss allowance to noncurrent loans | 133.0607% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.5142% | 742 |
| Noncurrent loans to loans | 1.3538% | 1,149 |
| Net loans and leases to total assets | 80.4828% | 808 |
| Net loans and leases to deposits | 101.2616% | 590 |
| Net loans and leases to core deposits | 112.8616% | 828 |
| Total domestic deposits to total assets | 79.4800% | 4,134 |
| Equity capital to assets | 9.0369% | 4,774 |
| Core capital (leverage) ratio | 8.9366% | 4,686 |
| Tier 1 risk-based capital ratio | 10.4311% | 5,126 |
| Total risk-based capital ratio | 11.6869% | 5,044 |
| Memoranda: | ||
| Average total assets | $550,212,330 | 1,313 |
| Average earning assets | $512,235,000 | 1,310 |
| Average equity | $48,478,000 | 1,644 |
| Average total loans | $453,529,670 | 1,159 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6754% | 376 |
| Cost of funding earning assets | 1.0975% | 1,195 |
| Net interest margin | 4.5780% | 638 |
| Noninterest income to average assets | 0.2925% | 3,919 |
| Noninterest expense to average assets | 3.7248% | 727 |
| Loan and lease loss provision to assets | 1.4399% | 56 |
| Net operating income to assets | -0.4761% | 5,248 |
| Return on assets (ROA) | -0.4761% | 5,243 |
| Pretax return on assets | -0.6116% | 5,250 |
| Return on Equity (ROE) | -5.4723% | 5,262 |
| Retained earnings to average equity (ytd only) | -5.4723% | 4,947 |
| Net charge-offs to loans | 0.3599% | 434 |
| Credit loss provision to net charge-offs | 484.0194% | 625 |
| Earnings coverage of net charge-offs (x) | 2.7845% | 2,460 |
| Efficiency ratio | 81.8067% | 894 |
| Assets per employee ($millions) | 5.1349% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 525 |
| Loan loss allowance to noncurrent loans | 169.3855% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 1.3630% | 933 |
| Noncurrent loans to loans | 1.1685% | 1,420 |
| Net loans and leases to total assets | 81.2311% | 679 |
| Net loans and leases to deposits | 102.4270% | 474 |
| Net loans and leases to core deposits | 114.6681% | 703 |
| Total domestic deposits to total assets | 79.3064% | 4,298 |
| Equity capital to assets | 8.6532% | 4,901 |
| Core capital (leverage) ratio | 8.7294% | 4,840 |
| Tier 1 risk-based capital ratio | 9.9126% | 5,299 |
| Total risk-based capital ratio | 11.1702% | 5,257 |
| Memoranda: | ||
| Average total assets | $555,303,500 | 1,309 |
| Average earning assets | $516,822,500 | 1,302 |
| Average equity | $48,316,000 | 1,625 |
| Average total loans | $458,992,500 | 1,156 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7984% | 238 |
| Cost of funding earning assets | 0.8646% | 1,245 |
| Net interest margin | 4.9338% | 303 |
| Noninterest income to average assets | 0.4481% | 3,114 |
| Noninterest expense to average assets | 3.6634% | 811 |
| Loan and lease loss provision to assets | 1.2657% | 56 |
| Net operating income to assets | 0.0949% | 5,183 |
| Return on assets (ROA) | 0.0949% | 5,176 |
| Pretax return on assets | 0.1126% | 5,171 |
| Return on Equity (ROE) | 1.0771% | 5,152 |
| Retained earnings to average equity (ytd only) | 1.0771% | 4,684 |
| Net charge-offs to loans | 0.9713% | 154 |
| Credit loss provision to net charge-offs | 152.3909% | 1,806 |
| Earnings coverage of net charge-offs (x) | 1.6594% | 3,604 |
| Efficiency ratio | 72.6626% | 1,819 |
| Assets per employee ($millions) | 5.1485% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 947 |
| Loan loss allowance to noncurrent loans | 210.6592% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 1,243 |
| Noncurrent loans to loans | 0.7777% | 2,063 |
| Net loans and leases to total assets | 81.0909% | 795 |
| Net loans and leases to deposits | 102.3380% | 570 |
| Net loans and leases to core deposits | 114.6966% | 753 |
| Total domestic deposits to total assets | 79.2384% | 4,261 |
| Equity capital to assets | 8.7484% | 4,766 |
| Core capital (leverage) ratio | 8.9486% | 4,697 |
| Tier 1 risk-based capital ratio | 10.0024% | 5,302 |
| Total risk-based capital ratio | 11.2525% | 5,256 |
| Memoranda: | ||
| Average total assets | $516,159,200 | 1,364 |
| Average earning assets | $480,560,000 | 1,362 |
| Average equity | $45,492,600 | 1,649 |
| Average total loans | $441,376,200 | 1,162 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7865% | 227 |
| Cost of funding earning assets | 0.7873% | 1,394 |
| Net interest margin | 4.9991% | 269 |
| Noninterest income to average assets | 0.5497% | 2,570 |
| Noninterest expense to average assets | 3.6320% | 819 |
| Loan and lease loss provision to assets | 1.3612% | 58 |
| Net operating income to assets | 0.1717% | 5,212 |
| Return on assets (ROA) | 0.1717% | 5,205 |
| Pretax return on assets | 0.2091% | 5,199 |
| Return on Equity (ROE) | 1.9446% | 5,139 |
| Retained earnings to average equity (ytd only) | 1.9446% | 4,599 |
| Net charge-offs to loans | 1.1527% | 119 |
| Credit loss provision to net charge-offs | 136.7558% | 1,833 |
| Earnings coverage of net charge-offs (x) | 1.5777% | 3,337 |
| Efficiency ratio | 69.8142% | 2,226 |
| Assets per employee ($millions) | 5.0661% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,570 |
| Loan loss allowance to noncurrent loans | 239.4027% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 1,508 |
| Noncurrent loans to loans | 0.5999% | 2,583 |
| Net loans and leases to total assets | 84.2265% | 434 |
| Net loans and leases to deposits | 106.8083% | 407 |
| Net loans and leases to core deposits | 121.3923% | 532 |
| Total domestic deposits to total assets | 78.8577% | 4,343 |
| Equity capital to assets | 8.8181% | 4,706 |
| Core capital (leverage) ratio | 8.8762% | 4,824 |
| Tier 1 risk-based capital ratio | 9.5244% | 5,438 |
| Total risk-based capital ratio | 10.7742% | 5,417 |
| Memoranda: | ||
| Average total assets | $506,190,250 | 1,400 |
| Average earning assets | $471,108,500 | 1,386 |
| Average equity | $44,704,750 | 1,673 |
| Average total loans | $437,119,250 | 1,169 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7247% | 224 |
| Cost of funding earning assets | 0.6699% | 1,814 |
| Net interest margin | 5.0548% | 224 |
| Noninterest income to average assets | 0.6242% | 2,208 |
| Noninterest expense to average assets | 3.7005% | 756 |
| Loan and lease loss provision to assets | 0.6266% | 158 |
| Net operating income to assets | 0.7917% | 3,882 |
| Return on assets (ROA) | 0.7917% | 3,883 |
| Pretax return on assets | 0.9951% | 3,679 |
| Return on Equity (ROE) | 8.5998% | 3,212 |
| Retained earnings to average equity (ytd only) | 8.5998% | 1,357 |
| Net charge-offs to loans | 0.4688% | 327 |
| Credit loss provision to net charge-offs | 154.3651% | 1,548 |
| Earnings coverage of net charge-offs (x) | 3.9950% | 2,833 |
| Efficiency ratio | 69.5294% | 2,389 |
| Assets per employee ($millions) | 5.1331% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,363 |
| Loan loss allowance to noncurrent loans | 107.5301% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 906 |
| Noncurrent loans to loans | 1.1742% | 1,480 |
| Net loans and leases to total assets | 85.1357% | 339 |
| Net loans and leases to deposits | 111.2775% | 248 |
| Net loans and leases to core deposits | 125.5579% | 420 |
| Total domestic deposits to total assets | 76.5076% | 4,800 |
| Equity capital to assets | 9.3379% | 4,250 |
| Core capital (leverage) ratio | 9.6543% | 3,938 |
| Tier 1 risk-based capital ratio | 9.8379% | 5,459 |
| Total risk-based capital ratio | 10.9843% | 5,437 |
| Memoranda: | ||
| Average total assets | $496,632,000 | 1,426 |
| Average earning assets | $461,582,330 | 1,419 |
| Average equity | $45,722,000 | 1,645 |
| Average total loans | $430,073,330 | 1,184 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 288 |
| Cost of funding earning assets | 0.5780% | 2,186 |
| Net interest margin | 4.9003% | 278 |
| Noninterest income to average assets | 0.5188% | 2,692 |
| Noninterest expense to average assets | 3.6191% | 851 |
| Loan and lease loss provision to assets | 0.8686% | 103 |
| Net operating income to assets | 0.4694% | 4,769 |
| Return on assets (ROA) | 0.4694% | 4,771 |
| Pretax return on assets | 0.5857% | 4,720 |
| Return on Equity (ROE) | 5.1400% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.1400% | 3,106 |
| Net charge-offs to loans | 0.8309% | 174 |
| Credit loss provision to net charge-offs | 120.4176% | 1,373 |
| Earnings coverage of net charge-offs (x) | 2.0162% | 2,499 |
| Efficiency ratio | 71.3343% | 2,292 |
| Assets per employee ($millions) | 4.7722% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,475 |
| Loan loss allowance to noncurrent loans | 81.7922% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 2.2155% | 468 |
| Noncurrent loans to loans | 1.5370% | 1,141 |
| Net loans and leases to total assets | 86.0945% | 249 |
| Net loans and leases to deposits | 111.0156% | 225 |
| Net loans and leases to core deposits | 130.9938% | 322 |
| Total domestic deposits to total assets | 77.5517% | 4,796 |
| Equity capital to assets | 9.1551% | 4,410 |
| Core capital (leverage) ratio | 9.5398% | 4,022 |
| Tier 1 risk-based capital ratio | 9.5736% | 5,547 |
| Total risk-based capital ratio | 10.7190% | 5,544 |
| Memoranda: | ||
| Average total assets | $478,026,000 | 1,479 |
| Average earning assets | $444,299,000 | 1,477 |
| Average equity | $43,658,000 | 1,719 |
| Average total loans | $414,958,000 | 1,225 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4983% | 265 |
| Cost of funding earning assets | 0.4133% | 3,122 |
| Net interest margin | 5.0850% | 202 |
| Noninterest income to average assets | 0.4982% | 3,014 |
| Noninterest expense to average assets | 4.0410% | 505 |
| Loan and lease loss provision to assets | 0.4312% | 328 |
| Net operating income to assets | 0.2176% | 5,074 |
| Return on assets (ROA) | 0.2176% | 5,097 |
| Pretax return on assets | 0.7090% | 4,485 |
| Return on Equity (ROE) | 2.2828% | 4,996 |
| Retained earnings to average equity (ytd only) | 2.2828% | 3,952 |
| Net charge-offs to loans | 0.2325% | 1,116 |
| Credit loss provision to net charge-offs | 218.9061% | 1,249 |
| Earnings coverage of net charge-offs (x) | 5.7883% | 3,269 |
| Efficiency ratio | 77.9928% | 1,352 |
| Assets per employee ($millions) | 4.9434% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 2,089 |
| Loan loss allowance to noncurrent loans | 294.0782% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 1,078 |
| Noncurrent loans to loans | 0.4507% | 3,163 |
| Net loans and leases to total assets | 85.2471% | 320 |
| Net loans and leases to deposits | 103.2774% | 533 |
| Net loans and leases to core deposits | 119.7778% | 592 |
| Total domestic deposits to total assets | 82.5418% | 3,716 |
| Equity capital to assets | 9.1091% | 4,609 |
| Core capital (leverage) ratio | 9.2602% | 4,333 |
| Tier 1 risk-based capital ratio | 9.5875% | 5,594 |
| Total risk-based capital ratio | 10.7918% | 5,578 |
| Memoranda: | ||
| Average total assets | $426,920,400 | 1,616 |
| Average earning assets | $393,179,600 | 1,621 |
| Average equity | $40,695,200 | 1,824 |
| Average total loans | $361,647,600 | 1,344 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4238% | 288 |
| Cost of funding earning assets | 0.3970% | 3,228 |
| Net interest margin | 5.0268% | 218 |
| Noninterest income to average assets | 0.4417% | 3,389 |
| Noninterest expense to average assets | 4.0832% | 473 |
| Loan and lease loss provision to assets | 0.4824% | 243 |
| Net operating income to assets | 0.3538% | 5,100 |
| Return on assets (ROA) | 0.3538% | 5,120 |
| Pretax return on assets | 0.5012% | 5,026 |
| Return on Equity (ROE) | 3.6666% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.6666% | 3,744 |
| Net charge-offs to loans | 0.3288% | 638 |
| Credit loss provision to net charge-offs | 174.1379% | 1,504 |
| Earnings coverage of net charge-offs (x) | 3.5506% | 3,329 |
| Efficiency ratio | 80.5870% | 1,034 |
| Assets per employee ($millions) | 4.6614% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,354 |
| Loan loss allowance to noncurrent loans | 252.0021% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.4362% | 1,070 |
| Noncurrent loans to loans | 0.5159% | 3,155 |
| Net loans and leases to total assets | 85.0505% | 333 |
| Net loans and leases to deposits | 103.7073% | 513 |
| Net loans and leases to core deposits | 116.1280% | 746 |
| Total domestic deposits to total assets | 82.0102% | 3,777 |
| Equity capital to assets | 9.6016% | 4,348 |
| Core capital (leverage) ratio | 9.7886% | 3,833 |
| Tier 1 risk-based capital ratio | 10.2145% | 5,542 |
| Total risk-based capital ratio | 11.4059% | 5,515 |
| Memoranda: | ||
| Average total assets | $418,715,750 | 1,648 |
| Average earning assets | $385,258,000 | 1,655 |
| Average equity | $40,399,500 | 1,858 |
| Average total loans | $352,765,000 | 1,382 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 302 |
| Cost of funding earning assets | 0.3761% | 3,324 |
| Net interest margin | 4.9740% | 229 |
| Noninterest income to average assets | 0.4003% | 3,692 |
| Noninterest expense to average assets | 3.9803% | 536 |
| Loan and lease loss provision to assets | 0.5710% | 194 |
| Net operating income to assets | 0.2906% | 5,248 |
| Return on assets (ROA) | 0.2906% | 5,260 |
| Pretax return on assets | 0.4299% | 5,117 |
| Return on Equity (ROE) | 3.0069% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.0069% | 3,926 |
| Net charge-offs to loans | 0.5446% | 354 |
| Credit loss provision to net charge-offs | 125.4797% | 1,723 |
| Earnings coverage of net charge-offs (x) | 2.1994% | 3,192 |
| Efficiency ratio | 79.9065% | 1,216 |
| Assets per employee ($millions) | 4.7552% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,654 |
| Loan loss allowance to noncurrent loans | 89.6655% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 2.1889% | 544 |
| Noncurrent loans to loans | 1.3999% | 1,374 |
| Net loans and leases to total assets | 82.7724% | 576 |
| Net loans and leases to deposits | 101.3815% | 646 |
| Net loans and leases to core deposits | 114.8054% | 760 |
| Total domestic deposits to total assets | 81.6445% | 4,000 |
| Equity capital to assets | 9.7112% | 4,216 |
| Core capital (leverage) ratio | 9.8464% | 3,719 |
| Tier 1 risk-based capital ratio | 10.7812% | 5,350 |
| Total risk-based capital ratio | 11.9490% | 5,316 |
| Memoranda: | ||
| Average total assets | $412,229,330 | 1,675 |
| Average earning assets | $379,651,670 | 1,681 |
| Average equity | $39,842,000 | 1,878 |
| Average total loans | $344,493,670 | 1,406 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 334 |
| Cost of funding earning assets | 0.3545% | 3,478 |
| Net interest margin | 4.9182% | 254 |
| Noninterest income to average assets | 0.3591% | 3,966 |
| Noninterest expense to average assets | 3.9717% | 558 |
| Loan and lease loss provision to assets | 0.8537% | 113 |
| Net operating income to assets | 0.0485% | 5,571 |
| Return on assets (ROA) | 0.0485% | 5,577 |
| Pretax return on assets | 0.0623% | 5,559 |
| Return on Equity (ROE) | 0.5028% | 5,564 |
| Retained earnings to average equity (ytd only) | 0.5028% | 4,804 |
| Net charge-offs to loans | 0.1292% | 1,144 |
| Credit loss provision to net charge-offs | 791.7431% | 399 |
| Earnings coverage of net charge-offs (x) | 8.4954% | 2,059 |
| Efficiency ratio | 81.2589% | 1,225 |
| Assets per employee ($millions) | 4.6346% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 1,762 |
| Loan loss allowance to noncurrent loans | 87.5895% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 2.4426% | 484 |
| Noncurrent loans to loans | 1.6911% | 1,135 |
| Net loans and leases to total assets | 80.9148% | 706 |
| Net loans and leases to deposits | 99.4206% | 651 |
| Net loans and leases to core deposits | 110.0575% | 875 |
| Total domestic deposits to total assets | 81.3864% | 4,325 |
| Equity capital to assets | 9.9426% | 3,823 |
| Core capital (leverage) ratio | 10.2481% | 3,197 |
| Tier 1 risk-based capital ratio | 11.1029% | 5,257 |
| Total risk-based capital ratio | 12.3542% | 5,152 |
| Memoranda: | ||
| Average total assets | $404,359,500 | 1,712 |
| Average earning assets | $372,328,500 | 1,723 |
| Average equity | $38,982,500 | 1,920 |
| Average total loans | $337,369,000 | 1,431 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4743% | 258 |
| Cost of funding earning assets | 0.3435% | 3,599 |
| Net interest margin | 5.1308% | 196 |
| Noninterest income to average assets | 0.4163% | 3,768 |
| Noninterest expense to average assets | 4.0239% | 578 |
| Loan and lease loss provision to assets | 0.2230% | 980 |
| Net operating income to assets | 0.5802% | 4,296 |
| Return on assets (ROA) | 0.5802% | 4,401 |
| Pretax return on assets | 0.8689% | 3,948 |
| Return on Equity (ROE) | 6.3060% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.3060% | 1,563 |
| Net charge-offs to loans | 0.2397% | 1,162 |
| Credit loss provision to net charge-offs | 110.7006% | 2,366 |
| Earnings coverage of net charge-offs (x) | 5.4204% | 3,343 |
| Efficiency ratio | 78.6556% | 1,600 |
| Assets per employee ($millions) | 4.6075% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,708 |
| Loan loss allowance to noncurrent loans | 271.5924% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 1.4930% | 1,121 |
| Noncurrent loans to loans | 0.4673% | 3,479 |
| Net loans and leases to total assets | 83.7117% | 411 |
| Net loans and leases to deposits | 102.8081% | 480 |
| Net loans and leases to core deposits | 113.0299% | 734 |
| Total domestic deposits to total assets | 81.4252% | 4,226 |
| Equity capital to assets | 9.3261% | 4,447 |
| Core capital (leverage) ratio | 9.3313% | 4,316 |
| Tier 1 risk-based capital ratio | 10.1101% | 5,708 |
| Total risk-based capital ratio | 11.2761% | 5,685 |
| Memoranda: | ||
| Average total assets | $389,669,000 | 1,725 |
| Average earning assets | $356,925,000 | 1,737 |
| Average equity | $35,854,600 | 2,033 |
| Average total loans | $327,555,600 | 1,423 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 250 |
| Cost of funding earning assets | 0.3438% | 3,615 |
| Net interest margin | 5.1487% | 192 |
| Noninterest income to average assets | 0.5185% | 3,127 |
| Noninterest expense to average assets | 4.1419% | 512 |
| Loan and lease loss provision to assets | 0.1838% | 1,190 |
| Net operating income to assets | 0.6006% | 4,290 |
| Return on assets (ROA) | 0.6006% | 4,406 |
| Pretax return on assets | 0.9013% | 3,976 |
| Return on Equity (ROE) | 6.5504% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.5504% | 1,879 |
| Net charge-offs to loans | 0.0795% | 2,189 |
| Credit loss provision to net charge-offs | 275.7732% | 1,112 |
| Earnings coverage of net charge-offs (x) | 16.2784% | 2,124 |
| Efficiency ratio | 79.2401% | 1,526 |
| Assets per employee ($millions) | 4.4243% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 2,407 |
| Loan loss allowance to noncurrent loans | 304.2396% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.9230% | 826 |
| Noncurrent loans to loans | 0.4460% | 3,681 |
| Net loans and leases to total assets | 81.6300% | 669 |
| Net loans and leases to deposits | 98.4740% | 812 |
| Net loans and leases to core deposits | 108.3599% | 1,023 |
| Total domestic deposits to total assets | 82.8950% | 3,637 |
| Equity capital to assets | 9.0634% | 5,115 |
| Core capital (leverage) ratio | 9.2204% | 4,559 |
| Tier 1 risk-based capital ratio | 10.0516% | 5,776 |
| Total risk-based capital ratio | 11.2979% | 5,729 |
| Memoranda: | ||
| Average total assets | $388,025,750 | 1,732 |
| Average earning assets | $354,852,000 | 1,752 |
| Average equity | $35,579,750 | 2,058 |
| Average total loans | $325,453,250 | 1,429 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5152% | 250 |
| Cost of funding earning assets | 0.3408% | 3,672 |
| Net interest margin | 5.1745% | 179 |
| Noninterest income to average assets | 0.5089% | 3,133 |
| Noninterest expense to average assets | 4.1721% | 508 |
| Loan and lease loss provision to assets | 0.1174% | 1,935 |
| Net operating income to assets | 0.6342% | 4,124 |
| Return on assets (ROA) | 0.6342% | 4,265 |
| Pretax return on assets | 0.9510% | 3,772 |
| Return on Equity (ROE) | 6.8885% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.8885% | 1,668 |
| Net charge-offs to loans | 0.0743% | 2,120 |
| Credit loss provision to net charge-offs | 187.5000% | 1,361 |
| Earnings coverage of net charge-offs (x) | 17.0583% | 1,895 |
| Efficiency ratio | 79.6116% | 1,544 |
| Assets per employee ($millions) | 4.5316% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,660 |
| Loan loss allowance to noncurrent loans | 272.0635% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5647% | 1,197 |
| Noncurrent loans to loans | 0.4861% | 3,630 |
| Net loans and leases to total assets | 81.0900% | 733 |
| Net loans and leases to deposits | 98.2716% | 860 |
| Net loans and leases to core deposits | 108.0480% | 1,040 |
| Total domestic deposits to total assets | 82.5163% | 3,829 |
| Equity capital to assets | 9.1213% | 5,145 |
| Core capital (leverage) ratio | 9.3413% | 4,403 |
| Tier 1 risk-based capital ratio | 9.9852% | 5,861 |
| Total risk-based capital ratio | 11.1761% | 5,826 |
| Memoranda: | ||
| Average total assets | $383,165,330 | 1,748 |
| Average earning assets | $350,374,000 | 1,768 |
| Average equity | $35,276,330 | 2,079 |
| Average total loans | $322,881,330 | 1,446 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5157% | 248 |
| Cost of funding earning assets | 0.3389% | 3,730 |
| Net interest margin | 5.1768% | 185 |
| Noninterest income to average assets | 0.5360% | 2,893 |
| Noninterest expense to average assets | 4.3504% | 437 |
| Loan and lease loss provision to assets | 0.2436% | 733 |
| Net operating income to assets | 0.4544% | 4,811 |
| Return on assets (ROA) | 0.4544% | 4,896 |
| Pretax return on assets | 0.6832% | 4,575 |
| Return on Equity (ROE) | 4.9121% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.9121% | 2,994 |
| Net charge-offs to loans | 0.1626% | 1,158 |
| Credit loss provision to net charge-offs | 175.5725% | 1,169 |
| Earnings coverage of net charge-offs (x) | 6.6794% | 2,222 |
| Efficiency ratio | 82.4368% | 1,336 |
| Assets per employee ($millions) | 4.2459% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,840 |
| Loan loss allowance to noncurrent loans | 793.8776% | 687 |
| Noncurrent assets plus other real estate owned to assets | 1.3433% | 1,581 |
| Noncurrent loans to loans | 0.1653% | 4,834 |
| Net loans and leases to total assets | 84.2000% | 352 |
| Net loans and leases to deposits | 97.1852% | 823 |
| Net loans and leases to core deposits | 106.7440% | 1,031 |
| Total domestic deposits to total assets | 86.6387% | 2,389 |
| Equity capital to assets | 9.2030% | 4,984 |
| Core capital (leverage) ratio | 9.2121% | 4,585 |
| Tier 1 risk-based capital ratio | 9.6173% | 5,989 |
| Total risk-based capital ratio | 10.8050% | 5,979 |
| Memoranda: | ||
| Average total assets | $377,622,000 | 1,774 |
| Average earning assets | $345,851,500 | 1,796 |
| Average equity | $34,934,000 | 2,092 |
| Average total loans | $322,330,000 | 1,436 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5200% | 255 |
| Cost of funding earning assets | 0.3385% | 3,812 |
| Net interest margin | 5.1815% | 191 |
| Noninterest income to average assets | 0.5493% | 3,017 |
| Noninterest expense to average assets | 4.1739% | 555 |
| Loan and lease loss provision to assets | 0.5757% | 190 |
| Net operating income to assets | 0.3597% | 5,180 |
| Return on assets (ROA) | 0.3597% | 5,262 |
| Pretax return on assets | 0.5445% | 5,004 |
| Return on Equity (ROE) | 3.7869% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.7869% | 3,339 |
| Net charge-offs to loans | 0.5275% | 486 |
| Credit loss provision to net charge-offs | 130.4978% | 2,001 |
| Earnings coverage of net charge-offs (x) | 2.5394% | 3,880 |
| Efficiency ratio | 78.8407% | 1,839 |
| Assets per employee ($millions) | 4.1923% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,827 |
| Loan loss allowance to noncurrent loans | 849.5935% | 681 |
| Noncurrent assets plus other real estate owned to assets | 1.3631% | 1,541 |
| Noncurrent loans to loans | 0.1544% | 4,876 |
| Net loans and leases to total assets | 84.2765% | 365 |
| Net loans and leases to deposits | 95.6319% | 1,055 |
| Net loans and leases to core deposits | 105.3547% | 1,143 |
| Total domestic deposits to total assets | 88.1260% | 1,565 |
| Equity capital to assets | 9.3003% | 4,795 |
| Core capital (leverage) ratio | 9.1736% | 4,653 |
| Tier 1 risk-based capital ratio | 9.7778% | 6,003 |
| Total risk-based capital ratio | 10.9786% | 5,988 |
| Memoranda: | ||
| Average total assets | $359,760,000 | 1,829 |
| Average earning assets | $329,438,800 | 1,841 |
| Average equity | $34,170,400 | 2,083 |
| Average total loans | $300,862,200 | 1,466 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 263 |
| Cost of funding earning assets | 0.3397% | 3,862 |
| Net interest margin | 5.1635% | 191 |
| Noninterest income to average assets | 0.4874% | 3,468 |
| Noninterest expense to average assets | 4.1358% | 571 |
| Loan and lease loss provision to assets | 0.2764% | 577 |
| Net operating income to assets | 0.5391% | 4,635 |
| Return on assets (ROA) | 0.5391% | 4,734 |
| Pretax return on assets | 0.8061% | 4,320 |
| Return on Equity (ROE) | 5.6446% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.6446% | 2,491 |
| Net charge-offs to loans | 0.1178% | 1,944 |
| Credit loss provision to net charge-offs | 282.0611% | 1,022 |
| Earnings coverage of net charge-offs (x) | 11.0459% | 2,537 |
| Efficiency ratio | 79.2545% | 1,766 |
| Assets per employee ($millions) | 4.2269% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,963 |
| Loan loss allowance to noncurrent loans | 911.1354% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 2,759 |
| Noncurrent loans to loans | 0.1457% | 5,058 |
| Net loans and leases to total assets | 83.3958% | 432 |
| Net loans and leases to deposits | 94.4089% | 1,154 |
| Net loans and leases to core deposits | 102.2820% | 1,362 |
| Total domestic deposits to total assets | 88.3347% | 1,388 |
| Equity capital to assets | 9.3729% | 4,910 |
| Core capital (leverage) ratio | 9.2617% | 4,640 |
| Tier 1 risk-based capital ratio | 10.0681% | 6,019 |
| Total risk-based capital ratio | 11.2903% | 5,982 |
| Memoranda: | ||
| Average total assets | $356,420,750 | 1,852 |
| Average earning assets | $326,566,750 | 1,871 |
| Average equity | $34,037,750 | 2,102 |
| Average total loans | $296,420,250 | 1,494 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4683% | 279 |
| Cost of funding earning assets | 0.3410% | 3,909 |
| Net interest margin | 5.1273% | 201 |
| Noninterest income to average assets | 0.5620% | 2,963 |
| Noninterest expense to average assets | 4.1943% | 545 |
| Loan and lease loss provision to assets | 0.1799% | 1,137 |
| Net operating income to assets | 0.5893% | 4,398 |
| Return on assets (ROA) | 0.5893% | 4,491 |
| Pretax return on assets | 0.8797% | 4,033 |
| Return on Equity (ROE) | 6.1311% | 4,067 |
| Retained earnings to average equity (ytd only) | 6.1311% | 2,156 |
| Net charge-offs to loans | 0.0530% | 2,660 |
| Credit loss provision to net charge-offs | 410.3896% | 732 |
| Earnings coverage of net charge-offs (x) | 24.1688% | 1,577 |
| Efficiency ratio | 79.8309% | 1,788 |
| Assets per employee ($millions) | 4.3585% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 3,145 |
| Loan loss allowance to noncurrent loans | 732.7747% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 2,750 |
| Noncurrent loans to loans | 0.1799% | 5,057 |
| Net loans and leases to total assets | 81.4347% | 616 |
| Net loans and leases to deposits | 92.4582% | 1,323 |
| Net loans and leases to core deposits | 101.2368% | 1,384 |
| Total domestic deposits to total assets | 88.0773% | 1,611 |
| Equity capital to assets | 9.5139% | 4,634 |
| Core capital (leverage) ratio | 9.4894% | 4,300 |
| Tier 1 risk-based capital ratio | 10.3334% | 5,981 |
| Total risk-based capital ratio | 11.5295% | 5,947 |
| Memoranda: | ||
| Average total assets | $351,239,000 | 1,883 |
| Average earning assets | $321,417,670 | 1,907 |
| Average equity | $33,762,330 | 2,121 |
| Average total loans | $290,434,670 | 1,516 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4895% | 266 |
| Cost of funding earning assets | 0.3439% | 3,940 |
| Net interest margin | 5.1457% | 188 |
| Noninterest income to average assets | 0.3885% | 4,099 |
| Noninterest expense to average assets | 4.2199% | 543 |
| Loan and lease loss provision to assets | 0.1410% | 1,451 |
| Net operating income to assets | 0.4914% | 4,729 |
| Return on assets (ROA) | 0.4914% | 4,845 |
| Pretax return on assets | 0.7330% | 4,487 |
| Return on Equity (ROE) | 5.0845% | 4,492 |
| Retained earnings to average equity (ytd only) | 5.0845% | 3,016 |
| Net charge-offs to loans | -0.0126% | 4,824 |
| Credit loss provision to net charge-offs | -1,355.5556% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8416% | 1,515 |
| Assets per employee ($millions) | 4.1343% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 3,281 |
| Loan loss allowance to noncurrent loans | 592.4149% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 2,720 |
| Noncurrent loans to loans | 0.2236% | 4,972 |
| Net loans and leases to total assets | 81.1319% | 555 |
| Net loans and leases to deposits | 92.2271% | 1,160 |
| Net loans and leases to core deposits | 101.3681% | 1,228 |
| Total domestic deposits to total assets | 87.9697% | 1,842 |
| Equity capital to assets | 9.5853% | 4,655 |
| Core capital (leverage) ratio | 9.2294% | 4,677 |
| Tier 1 risk-based capital ratio | 9.9784% | 6,174 |
| Total risk-based capital ratio | 11.1773% | 6,150 |
| Memoranda: | ||
| Average total assets | $345,981,000 | 1,921 |
| Average earning assets | $316,383,500 | 1,950 |
| Average equity | $33,435,000 | 2,152 |
| Average total loans | $286,387,500 | 1,537 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4741% | 336 |
| Cost of funding earning assets | 0.3910% | 3,780 |
| Net interest margin | 5.0831% | 262 |
| Noninterest income to average assets | 0.7191% | 2,212 |
| Noninterest expense to average assets | 4.4038% | 501 |
| Loan and lease loss provision to assets | 0.2044% | 1,231 |
| Net operating income to assets | 0.5021% | 4,803 |
| Return on assets (ROA) | 0.5021% | 4,888 |
| Pretax return on assets | 0.7509% | 4,437 |
| Return on Equity (ROE) | 5.0417% | 4,637 |
| Retained earnings to average equity (ytd only) | 5.0417% | 2,573 |
| Net charge-offs to loans | 0.0350% | 4,134 |
| Credit loss provision to net charge-offs | 735.5556% | 367 |
| Earnings coverage of net charge-offs (x) | 34.3778% | 1,211 |
| Efficiency ratio | 82.1733% | 1,642 |
| Assets per employee ($millions) | 4.0064% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 3,409 |
| Loan loss allowance to noncurrent loans | 562.5571% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 2,784 |
| Noncurrent loans to loans | 0.2315% | 4,997 |
| Net loans and leases to total assets | 82.2624% | 493 |
| Net loans and leases to deposits | 93.9960% | 1,071 |
| Net loans and leases to core deposits | 103.3364% | 1,163 |
| Total domestic deposits to total assets | 87.5169% | 2,024 |
| Equity capital to assets | 9.7449% | 4,420 |
| Core capital (leverage) ratio | 9.4813% | 4,273 |
| Tier 1 risk-based capital ratio | 10.3031% | 6,179 |
| Total risk-based capital ratio | 11.5157% | 6,134 |
| Memoranda: | ||
| Average total assets | $323,857,800 | 2,005 |
| Average earning assets | $295,628,200 | 2,028 |
| Average equity | $32,251,000 | 2,153 |
| Average total loans | $257,033,600 | 1,654 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4366% | 348 |
| Cost of funding earning assets | 0.4050% | 3,732 |
| Net interest margin | 5.0315% | 281 |
| Noninterest income to average assets | 0.6932% | 2,361 |
| Noninterest expense to average assets | 4.4751% | 470 |
| Loan and lease loss provision to assets | 0.1526% | 1,624 |
| Net operating income to assets | 0.4350% | 5,130 |
| Return on assets (ROA) | 0.4350% | 5,204 |
| Pretax return on assets | 0.6556% | 4,858 |
| Return on Equity (ROE) | 4.3434% | 5,022 |
| Retained earnings to average equity (ytd only) | 4.3434% | 3,565 |
| Net charge-offs to loans | -0.0378% | 5,815 |
| Credit loss provision to net charge-offs | -515.4930% | 5,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7016% | 1,315 |
| Assets per employee ($millions) | 3.6788% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 3,403 |
| Loan loss allowance to noncurrent loans | 395.2275% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 1.1382% | 2,677 |
| Noncurrent loans to loans | 0.3412% | 4,875 |
| Net loans and leases to total assets | 82.3298% | 482 |
| Net loans and leases to deposits | 94.8436% | 972 |
| Net loans and leases to core deposits | 98.3930% | 1,495 |
| Total domestic deposits to total assets | 86.8058% | 2,417 |
| Equity capital to assets | 10.2963% | 3,794 |
| Core capital (leverage) ratio | 9.6064% | 4,233 |
| Tier 1 risk-based capital ratio | 10.8939% | 6,045 |
| Total risk-based capital ratio | 12.1440% | 5,997 |
| Memoranda: | ||
| Average total assets | $319,685,250 | 2,047 |
| Average earning assets | $291,645,750 | 2,070 |
| Average equity | $32,017,250 | 2,174 |
| Average total loans | $250,332,250 | 1,697 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 403 |
| Cost of funding earning assets | 0.4193% | 3,668 |
| Net interest margin | 4.9306% | 324 |
| Noninterest income to average assets | 0.7918% | 1,869 |
| Noninterest expense to average assets | 4.4197% | 488 |
| Loan and lease loss provision to assets | 0.1110% | 2,175 |
| Net operating income to assets | 0.5075% | 4,777 |
| Return on assets (ROA) | 0.5075% | 4,874 |
| Pretax return on assets | 0.7625% | 4,409 |
| Return on Equity (ROE) | 5.1145% | 4,621 |
| Retained earnings to average equity (ytd only) | 5.1145% | 2,889 |
| Net charge-offs to loans | -0.0529% | 5,904 |
| Credit loss provision to net charge-offs | -273.8462% | 5,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4982% | 1,571 |
| Assets per employee ($millions) | 3.7318% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 3,732 |
| Loan loss allowance to noncurrent loans | 622.3660% | 759 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 2,949 |
| Noncurrent loans to loans | 0.2127% | 5,379 |
| Net loans and leases to total assets | 80.0462% | 684 |
| Net loans and leases to deposits | 92.1498% | 1,130 |
| Net loans and leases to core deposits | 95.4704% | 1,647 |
| Total domestic deposits to total assets | 86.8653% | 2,537 |
| Equity capital to assets | 10.2902% | 3,707 |
| Core capital (leverage) ratio | 9.4150% | 4,450 |
| Tier 1 risk-based capital ratio | 11.1255% | 6,000 |
| Total risk-based capital ratio | 12.3675% | 5,937 |
| Memoranda: | ||
| Average total assets | $320,788,670 | 2,039 |
| Average earning assets | $292,867,330 | 2,055 |
| Average equity | $31,831,330 | 2,168 |
| Average total loans | $245,765,670 | 1,721 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 510 |
| Cost of funding earning assets | 0.4283% | 3,664 |
| Net interest margin | 4.7499% | 420 |
| Noninterest income to average assets | 0.8396% | 1,603 |
| Noninterest expense to average assets | 4.3138% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5856% | 4,258 |
| Return on assets (ROA) | 0.5856% | 4,332 |
| Pretax return on assets | 0.8741% | 3,813 |
| Return on Equity (ROE) | 6.0091% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.0091% | 2,537 |
| Net charge-offs to loans | -0.1126% | 6,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1511% | 1,776 |
| Assets per employee ($millions) | 3.9562% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,124 |
| Loan loss allowance to noncurrent loans | 2,171.4286% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.9054% | 3,472 |
| Noncurrent loans to loans | 0.0598% | 5,970 |
| Net loans and leases to total assets | 73.8280% | 1,301 |
| Net loans and leases to deposits | 84.4306% | 1,780 |
| Net loans and leases to core deposits | 87.7873% | 2,117 |
| Total domestic deposits to total assets | 87.4422% | 2,536 |
| Equity capital to assets | 9.7073% | 4,218 |
| Core capital (leverage) ratio | 9.4977% | 4,277 |
| Tier 1 risk-based capital ratio | 11.4124% | 5,958 |
| Total risk-based capital ratio | 12.6381% | 5,923 |
| Memoranda: | ||
| Average total assets | $324,446,000 | 2,017 |
| Average earning assets | $297,019,000 | 2,031 |
| Average equity | $31,618,500 | 2,174 |
| Average total loans | $241,503,000 | 1,750 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 336 |
| Cost of funding earning assets | 0.5583% | 3,038 |
| Net interest margin | 4.9823% | 318 |
| Noninterest income to average assets | 0.5564% | 3,360 |
| Noninterest expense to average assets | 4.3828% | 582 |
| Loan and lease loss provision to assets | 0.0143% | 4,843 |
| Net operating income to assets | 1.7677% | 514 |
| Return on assets (ROA) | 1.7677% | 531 |
| Pretax return on assets | 0.7594% | 4,303 |
| Return on Equity (ROE) | 19.6360% | 301 |
| Retained earnings to average equity (ytd only) | 19.6360% | 84 |
| Net charge-offs to loans | 0.0755% | 4,152 |
| Credit loss provision to net charge-offs | 24.3094% | 4,366 |
| Earnings coverage of net charge-offs (x) | 13.1602% | 2,056 |
| Efficiency ratio | 84.9953% | 1,519 |
| Assets per employee ($millions) | 3.9572% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 4,060 |
| Loan loss allowance to noncurrent loans | 2,002.5641% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.9634% | 3,490 |
| Noncurrent loans to loans | 0.0657% | 6,023 |
| Net loans and leases to total assets | 73.0874% | 1,508 |
| Net loans and leases to deposits | 83.6166% | 1,979 |
| Net loans and leases to core deposits | 87.0583% | 2,342 |
| Total domestic deposits to total assets | 87.4077% | 2,523 |
| Equity capital to assets | 9.7844% | 4,058 |
| Core capital (leverage) ratio | 9.3528% | 4,472 |
| Tier 1 risk-based capital ratio | 11.3827% | 5,978 |
| Total risk-based capital ratio | 12.6093% | 5,920 |
| Memoranda: | ||
| Average total assets | $307,864,800 | 2,094 |
| Average earning assets | $284,248,400 | 2,083 |
| Average equity | $27,714,400 | 2,401 |
| Average total loans | $239,689,400 | 1,728 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6229% | 307 |
| Cost of funding earning assets | 0.5794% | 3,001 |
| Net interest margin | 5.0435% | 293 |
| Noninterest income to average assets | 0.5929% | 3,192 |
| Noninterest expense to average assets | 4.4454% | 550 |
| Loan and lease loss provision to assets | 0.0061% | 4,850 |
| Net operating income to assets | 0.8038% | 3,327 |
| Return on assets (ROA) | 0.8038% | 3,462 |
| Pretax return on assets | 0.8038% | 4,280 |
| Return on Equity (ROE) | 9.1382% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.1382% | 1,020 |
| Net charge-offs to loans | 0.1027% | 3,510 |
| Credit loss provision to net charge-offs | 7.5676% | 4,249 |
| Earnings coverage of net charge-offs (x) | 10.0054% | 2,408 |
| Efficiency ratio | 84.5878% | 1,526 |
| Assets per employee ($millions) | 3.9556% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,311 |
| Loan loss allowance to noncurrent loans | 1,872.7273% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 3,679 |
| Noncurrent loans to loans | 0.0702% | 6,129 |
| Net loans and leases to total assets | 74.1924% | 1,264 |
| Net loans and leases to deposits | 84.0326% | 1,874 |
| Net loans and leases to core deposits | 88.1731% | 2,168 |
| Total domestic deposits to total assets | 88.2900% | 1,945 |
| Equity capital to assets | 8.8524% | 5,359 |
| Core capital (leverage) ratio | 9.0631% | 5,020 |
| Tier 1 risk-based capital ratio | 11.1036% | 6,232 |
| Total risk-based capital ratio | 12.3372% | 6,209 |
| Memoranda: | ||
| Average total assets | $304,698,500 | 2,123 |
| Average earning assets | $281,673,750 | 2,112 |
| Average equity | $26,802,500 | 2,502 |
| Average total loans | $240,264,000 | 1,718 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7204% | 267 |
| Cost of funding earning assets | 0.5950% | 2,984 |
| Net interest margin | 5.1254% | 242 |
| Noninterest income to average assets | 0.6826% | 2,730 |
| Noninterest expense to average assets | 4.5084% | 520 |
| Loan and lease loss provision to assets | 0.0093% | 4,680 |
| Net operating income to assets | 0.9037% | 2,774 |
| Return on assets (ROA) | 0.9037% | 2,915 |
| Pretax return on assets | 0.9037% | 3,897 |
| Return on Equity (ROE) | 10.2958% | 2,088 |
| Retained earnings to average equity (ytd only) | 10.2958% | 786 |
| Net charge-offs to loans | 0.1149% | 3,214 |
| Credit loss provision to net charge-offs | 10.0719% | 3,901 |
| Earnings coverage of net charge-offs (x) | 9.9209% | 2,217 |
| Efficiency ratio | 83.1603% | 1,737 |
| Assets per employee ($millions) | 3.7196% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 4,300 |
| Loan loss allowance to noncurrent loans | 840.7507% | 545 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 3,685 |
| Noncurrent loans to loans | 0.1598% | 5,923 |
| Net loans and leases to total assets | 76.4105% | 941 |
| Net loans and leases to deposits | 87.2241% | 1,437 |
| Net loans and leases to core deposits | 91.4811% | 1,762 |
| Total domestic deposits to total assets | 87.6025% | 2,491 |
| Equity capital to assets | 8.9925% | 5,229 |
| Core capital (leverage) ratio | 9.1420% | 4,768 |
| Tier 1 risk-based capital ratio | 10.9524% | 6,354 |
| Total risk-based capital ratio | 12.2025% | 6,327 |
| Memoranda: | ||
| Average total assets | $302,100,330 | 2,152 |
| Average earning assets | $279,314,000 | 2,134 |
| Average equity | $26,515,670 | 2,535 |
| Average total loans | $242,040,000 | 1,709 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7856% | 238 |
| Cost of funding earning assets | 0.6127% | 2,987 |
| Net interest margin | 5.1729% | 202 |
| Noninterest income to average assets | 0.5527% | 3,418 |
| Noninterest expense to average assets | 4.4997% | 535 |
| Loan and lease loss provision to assets | 0.0185% | 4,234 |
| Net operating income to assets | 0.8238% | 3,031 |
| Return on assets (ROA) | 0.8238% | 3,174 |
| Pretax return on assets | 0.8238% | 4,068 |
| Return on Equity (ROE) | 9.5017% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.5017% | 1,239 |
| Net charge-offs to loans | 0.1542% | 2,477 |
| Credit loss provision to net charge-offs | 14.7368% | 3,103 |
| Earnings coverage of net charge-offs (x) | 6.7053% | 2,180 |
| Efficiency ratio | 84.2327% | 1,732 |
| Assets per employee ($millions) | 3.6897% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,659 |
| Loan loss allowance to noncurrent loans | 688.3117% | 648 |
| Noncurrent assets plus other real estate owned to assets | 1.0600% | 3,814 |
| Noncurrent loans to loans | 0.1899% | 5,929 |
| Net loans and leases to total assets | 79.3420% | 487 |
| Net loans and leases to deposits | 89.8517% | 983 |
| Net loans and leases to core deposits | 94.2471% | 1,328 |
| Total domestic deposits to total assets | 88.3033% | 2,126 |
| Equity capital to assets | 8.7709% | 5,735 |
| Core capital (leverage) ratio | 8.8184% | 5,157 |
| Tier 1 risk-based capital ratio | 10.3351% | 6,625 |
| Total risk-based capital ratio | 11.5761% | 6,615 |
| Memoranda: | ||
| Average total assets | $302,507,500 | 2,172 |
| Average earning assets | $280,075,000 | 2,153 |
| Average equity | $26,227,000 | 2,592 |
| Average total loans | $246,385,000 | 1,688 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9585% | 279 |
| Cost of funding earning assets | 0.8218% | 2,492 |
| Net interest margin | 5.1367% | 307 |
| Noninterest income to average assets | 0.5215% | 3,764 |
| Noninterest expense to average assets | 4.5213% | 565 |
| Loan and lease loss provision to assets | 1.0997% | 345 |
| Net operating income to assets | -0.3507% | 6,482 |
| Return on assets (ROA) | -0.2832% | 6,483 |
| Pretax return on assets | -0.2832% | 6,469 |
| Return on Equity (ROE) | -3.3316% | 6,515 |
| Retained earnings to average equity (ytd only) | -3.3316% | 6,291 |
| Net charge-offs to loans | 1.3816% | 670 |
| Credit loss provision to net charge-offs | 96.0997% | 3,227 |
| Earnings coverage of net charge-offs (x) | 0.6545% | 5,157 |
| Efficiency ratio | 85.7880% | 1,448 |
| Assets per employee ($millions) | 3.8286% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 4,596 |
| Loan loss allowance to noncurrent loans | 686.5263% | 615 |
| Noncurrent assets plus other real estate owned to assets | 1.0646% | 3,900 |
| Noncurrent loans to loans | 0.1904% | 5,991 |
| Net loans and leases to total assets | 81.4243% | 366 |
| Net loans and leases to deposits | 92.0706% | 906 |
| Net loans and leases to core deposits | 96.5799% | 1,257 |
| Total domestic deposits to total assets | 88.4368% | 1,941 |
| Equity capital to assets | 8.5688% | 5,990 |
| Core capital (leverage) ratio | 8.5722% | 5,506 |
| Tier 1 risk-based capital ratio | 9.7845% | 6,751 |
| Total risk-based capital ratio | 11.0191% | 6,731 |
| Memoranda: | ||
| Average total assets | $297,991,000 | 2,151 |
| Average earning assets | $275,489,600 | 2,127 |
| Average equity | $25,333,000 | 2,624 |
| Average total loans | $246,806,800 | 1,673 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9451% | 303 |
| Cost of funding earning assets | 0.8776% | 2,331 |
| Net interest margin | 5.0675% | 362 |
| Noninterest income to average assets | 0.4509% | 4,286 |
| Noninterest expense to average assets | 4.5594% | 524 |
| Loan and lease loss provision to assets | 1.3729% | 248 |
| Net operating income to assets | -0.7954% | 6,811 |
| Return on assets (ROA) | -0.7051% | 6,806 |
| Pretax return on assets | -0.7051% | 6,780 |
| Return on Equity (ROE) | -8.3110% | 6,824 |
| Retained earnings to average equity (ytd only) | -8.3110% | 6,764 |
| Net charge-offs to loans | 1.5775% | 535 |
| Credit loss provision to net charge-offs | 104.9794% | 2,802 |
| Earnings coverage of net charge-offs (x) | 0.4416% | 5,101 |
| Efficiency ratio | 88.7568% | 1,130 |
| Assets per employee ($millions) | 3.6936% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 4,302 |
| Loan loss allowance to noncurrent loans | 459.6104% | 828 |
| Noncurrent assets plus other real estate owned to assets | 1.3955% | 3,514 |
| Noncurrent loans to loans | 0.3082% | 5,869 |
| Net loans and leases to total assets | 82.3236% | 318 |
| Net loans and leases to deposits | 92.8372% | 891 |
| Net loans and leases to core deposits | 98.9546% | 1,196 |
| Total domestic deposits to total assets | 88.6752% | 1,608 |
| Equity capital to assets | 8.4005% | 6,353 |
| Core capital (leverage) ratio | 8.3976% | 5,900 |
| Tier 1 risk-based capital ratio | 9.4004% | 6,910 |
| Total risk-based capital ratio | 10.6512% | 6,904 |
| Memoranda: | ||
| Average total assets | $296,874,000 | 2,177 |
| Average earning assets | $274,525,250 | 2,163 |
| Average equity | $25,187,000 | 2,664 |
| Average total loans | $246,124,500 | 1,686 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8492% | 375 |
| Cost of funding earning assets | 0.9270% | 2,209 |
| Net interest margin | 4.9222% | 445 |
| Noninterest income to average assets | 0.3999% | 4,650 |
| Noninterest expense to average assets | 4.5329% | 538 |
| Loan and lease loss provision to assets | 1.8730% | 165 |
| Net operating income to assets | -1.4407% | 7,010 |
| Return on assets (ROA) | -1.3049% | 6,999 |
| Pretax return on assets | -1.3049% | 6,972 |
| Return on Equity (ROE) | -15.3303% | 6,976 |
| Retained earnings to average equity (ytd only) | -15.3303% | 6,939 |
| Net charge-offs to loans | 0.5382% | 1,980 |
| Credit loss provision to net charge-offs | 420.7891% | 703 |
| Earnings coverage of net charge-offs (x) | 0.9712% | 4,548 |
| Efficiency ratio | 91.2937% | 973 |
| Assets per employee ($millions) | 3.6552% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1501% | 1,885 |
| Loan loss allowance to noncurrent loans | 95.0967% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 2.1867% | 2,551 |
| Noncurrent loans to loans | 2.2609% | 2,664 |
| Net loans and leases to total assets | 84.6660% | 188 |
| Net loans and leases to deposits | 95.2328% | 680 |
| Net loans and leases to core deposits | 103.4164% | 895 |
| Total domestic deposits to total assets | 88.9042% | 1,573 |
| Equity capital to assets | 8.3504% | 6,336 |
| Core capital (leverage) ratio | 8.3505% | 5,847 |
| Tier 1 risk-based capital ratio | 9.2458% | 6,953 |
| Total risk-based capital ratio | 10.5057% | 6,953 |
| Memoranda: | ||
| Average total assets | $296,103,670 | 2,182 |
| Average earning assets | $274,635,330 | 2,157 |
| Average equity | $25,205,000 | 2,646 |
| Average total loans | $244,886,330 | 1,690 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 498 |
| Cost of funding earning assets | 0.9663% | 2,185 |
| Net interest margin | 4.7529% | 624 |
| Noninterest income to average assets | 0.3269% | 5,251 |
| Noninterest expense to average assets | 4.3617% | 622 |
| Loan and lease loss provision to assets | 0.8794% | 512 |
| Net operating income to assets | -0.5093% | 6,830 |
| Return on assets (ROA) | -0.5093% | 6,859 |
| Pretax return on assets | -0.5093% | 6,833 |
| Return on Equity (ROE) | -5.9263% | 6,881 |
| Retained earnings to average equity (ytd only) | -5.9263% | 6,649 |
| Net charge-offs to loans | 0.0836% | 3,666 |
| Credit loss provision to net charge-offs | 1,302.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 5.4800% | 2,362 |
| Efficiency ratio | 92.1781% | 937 |
| Assets per employee ($millions) | 3.7010% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 3,598 |
| Loan loss allowance to noncurrent loans | 87.7636% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7732% | 3,207 |
| Noncurrent loans to loans | 1.8632% | 3,324 |
| Net loans and leases to total assets | 81.1676% | 326 |
| Net loans and leases to deposits | 92.3441% | 773 |
| Net loans and leases to core deposits | 103.3763% | 797 |
| Total domestic deposits to total assets | 87.8969% | 2,399 |
| Equity capital to assets | 8.9651% | 5,549 |
| Core capital (leverage) ratio | 8.8866% | 5,007 |
| Tier 1 risk-based capital ratio | 10.1749% | 6,839 |
| Total risk-based capital ratio | 11.4285% | 6,832 |
| Memoranda: | ||
| Average total assets | $296,121,500 | 2,190 |
| Average earning assets | $274,444,000 | 2,168 |
| Average equity | $25,446,000 | 2,628 |
| Average total loans | $239,241,000 | 1,724 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 1,020 |
| Cost of funding earning assets | 1.1723% | 2,209 |
| Net interest margin | 4.3951% | 1,410 |
| Noninterest income to average assets | 0.4474% | 4,239 |
| Noninterest expense to average assets | 4.6868% | 495 |
| Loan and lease loss provision to assets | 0.4336% | 2,435 |
| Net operating income to assets | -0.6014% | 6,552 |
| Return on assets (ROA) | -0.4135% | 6,476 |
| Pretax return on assets | -0.4135% | 6,427 |
| Return on Equity (ROE) | -4.8110% | 6,519 |
| Retained earnings to average equity (ytd only) | -4.8110% | 6,433 |
| Net charge-offs to loans | 0.1706% | 4,792 |
| Credit loss provision to net charge-offs | 331.0811% | 707 |
| Earnings coverage of net charge-offs (x) | -1.2811% | 6,228 |
| Efficiency ratio | 103.7130% | 573 |
| Assets per employee ($millions) | 3.7970% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 4,149 |
| Loan loss allowance to noncurrent loans | 310.2795% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 5,424 |
| Noncurrent loans to loans | 0.4736% | 5,763 |
| Net loans and leases to total assets | 77.9047% | 720 |
| Net loans and leases to deposits | 88.5779% | 1,309 |
| Net loans and leases to core deposits | 99.5461% | 1,213 |
| Total domestic deposits to total assets | 87.9506% | 2,197 |
| Equity capital to assets | 8.2211% | 6,417 |
| Core capital (leverage) ratio | 8.1979% | 6,003 |
| Tier 1 risk-based capital ratio | 9.6196% | 6,933 |
| Total risk-based capital ratio | 10.8684% | 6,933 |
| Memoranda: | ||
| Average total assets | $282,497,400 | 2,245 |
| Average earning assets | $261,702,400 | 2,226 |
| Average equity | $24,277,800 | 2,639 |
| Average total loans | $216,913,800 | 1,894 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5487% | 1,146 |
| Cost of funding earning assets | 1.2105% | 2,253 |
| Net interest margin | 4.3382% | 1,592 |
| Noninterest income to average assets | 0.4238% | 4,488 |
| Noninterest expense to average assets | 4.7808% | 448 |
| Loan and lease loss provision to assets | 0.3703% | 2,633 |
| Net operating income to assets | -0.7071% | 6,757 |
| Return on assets (ROA) | -0.4534% | 6,659 |
| Pretax return on assets | -0.4534% | 6,594 |
| Return on Equity (ROE) | -5.2155% | 6,685 |
| Retained earnings to average equity (ytd only) | -5.2155% | 6,607 |
| Net charge-offs to loans | 0.1373% | 4,683 |
| Credit loss provision to net charge-offs | 353.8813% | 801 |
| Earnings coverage of net charge-offs (x) | -3.2192% | 6,068 |
| Efficiency ratio | 107.5790% | 475 |
| Assets per employee ($millions) | 3.8755% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 4,443 |
| Loan loss allowance to noncurrent loans | 377.6442% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 5,496 |
| Noncurrent loans to loans | 0.3773% | 6,097 |
| Net loans and leases to total assets | 75.7879% | 1,007 |
| Net loans and leases to deposits | 86.3632% | 1,636 |
| Net loans and leases to core deposits | 97.3786% | 1,486 |
| Total domestic deposits to total assets | 87.7548% | 2,191 |
| Equity capital to assets | 8.2827% | 6,499 |
| Core capital (leverage) ratio | 8.2387% | 6,076 |
| Tier 1 risk-based capital ratio | 9.9412% | 6,970 |
| Total risk-based capital ratio | 11.1894% | 6,958 |
| Memoranda: | ||
| Average total assets | $279,081,000 | 2,283 |
| Average earning assets | $258,626,750 | 2,256 |
| Average equity | $24,260,250 | 2,651 |
| Average total loans | $212,600,750 | 1,952 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5328% | 1,228 |
| Cost of funding earning assets | 1.2399% | 2,323 |
| Net interest margin | 4.2929% | 1,689 |
| Noninterest income to average assets | 0.3530% | 5,069 |
| Noninterest expense to average assets | 4.8309% | 421 |
| Loan and lease loss provision to assets | 0.4636% | 2,124 |
| Net operating income to assets | -0.9598% | 6,933 |
| Return on assets (ROA) | -0.7219% | 6,842 |
| Pretax return on assets | -0.7219% | 6,784 |
| Return on Equity (ROE) | -8.1706% | 6,872 |
| Retained earnings to average equity (ytd only) | -8.1706% | 6,784 |
| Net charge-offs to loans | 0.2096% | 3,891 |
| Credit loss provision to net charge-offs | 291.3636% | 1,048 |
| Earnings coverage of net charge-offs (x) | -3.1182% | 5,754 |
| Efficiency ratio | 111.4467% | 454 |
| Assets per employee ($millions) | 3.6419% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,578 |
| Loan loss allowance to noncurrent loans | 174.0162% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9910% | 4,887 |
| Noncurrent loans to loans | 0.8034% | 5,311 |
| Net loans and leases to total assets | 75.6283% | 1,135 |
| Net loans and leases to deposits | 86.1389% | 1,775 |
| Net loans and leases to core deposits | 96.6500% | 1,614 |
| Total domestic deposits to total assets | 87.7981% | 2,280 |
| Equity capital to assets | 8.5389% | 6,141 |
| Core capital (leverage) ratio | 8.3900% | 5,726 |
| Tier 1 risk-based capital ratio | 10.2640% | 6,887 |
| Total risk-based capital ratio | 11.5147% | 6,884 |
| Memoranda: | ||
| Average total assets | $276,511,330 | 2,316 |
| Average earning assets | $256,472,330 | 2,285 |
| Average equity | $24,429,000 | 2,618 |
| Average total loans | $209,969,670 | 1,997 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5281% | 1,228 |
| Cost of funding earning assets | 1.2816% | 2,293 |
| Net interest margin | 4.2465% | 1,760 |
| Noninterest income to average assets | 0.3497% | 5,107 |
| Noninterest expense to average assets | 4.8500% | 416 |
| Loan and lease loss provision to assets | 0.5784% | 1,497 |
| Net operating income to assets | -1.1349% | 7,077 |
| Return on assets (ROA) | -0.8683% | 6,995 |
| Pretax return on assets | -0.8683% | 6,948 |
| Return on Equity (ROE) | -9.6632% | 7,018 |
| Retained earnings to average equity (ytd only) | -9.6632% | 6,851 |
| Net charge-offs to loans | 0.3568% | 2,637 |
| Credit loss provision to net charge-offs | 214.5946% | 1,397 |
| Earnings coverage of net charge-offs (x) | -2.0649% | 4,962 |
| Efficiency ratio | 112.9623% | 443 |
| Assets per employee ($millions) | 3.4991% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 5,055 |
| Loan loss allowance to noncurrent loans | 162.4855% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 5,484 |
| Noncurrent loans to loans | 0.8098% | 5,413 |
| Net loans and leases to total assets | 77.8832% | 741 |
| Net loans and leases to deposits | 91.8840% | 1,030 |
| Net loans and leases to core deposits | 103.7189% | 1,082 |
| Total domestic deposits to total assets | 84.7626% | 4,144 |
| Equity capital to assets | 9.0161% | 5,182 |
| Core capital (leverage) ratio | 8.5920% | 5,277 |
| Tier 1 risk-based capital ratio | 10.6059% | 6,747 |
| Total risk-based capital ratio | 11.8459% | 6,731 |
| Memoranda: | ||
| Average total assets | $274,555,000 | 2,351 |
| Average earning assets | $254,986,000 | 2,316 |
| Average equity | $24,671,000 | 2,582 |
| Average total loans | $207,411,000 | 2,036 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3014% | 3,124 |
| Cost of funding earning assets | 1.6030% | 2,054 |
| Net interest margin | 3.6984% | 4,346 |
| Noninterest income to average assets | 0.2796% | 5,777 |
| Noninterest expense to average assets | 5.1726% | 372 |
| Loan and lease loss provision to assets | 0.3683% | 3,914 |
| Net operating income to assets | -1.8362% | 7,012 |
| Return on assets (ROA) | -1.8287% | 7,027 |
| Pretax return on assets | -1.8287% | 6,973 |
| Return on Equity (ROE) | -21.2238% | 7,061 |
| Retained earnings to average equity (ytd only) | -21.2238% | 7,035 |
| Net charge-offs to loans | 0.1425% | 5,501 |
| Credit loss provision to net charge-offs | 365.2344% | 699 |
| Earnings coverage of net charge-offs (x) | -14.5586% | 6,809 |
| Efficiency ratio | 139.6236% | 259 |
| Assets per employee ($millions) | 3.5403% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 5,114 |
| Loan loss allowance to noncurrent loans | 264.6878% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 6,161 |
| Noncurrent loans to loans | 0.4832% | 6,071 |
| Net loans and leases to total assets | 71.3663% | 2,222 |
| Net loans and leases to deposits | 81.8770% | 2,833 |
| Net loans and leases to core deposits | 95.1241% | 2,111 |
| Total domestic deposits to total assets | 87.1629% | 2,733 |
| Equity capital to assets | 8.9566% | 5,206 |
| Core capital (leverage) ratio | 8.7544% | 4,931 |
| Tier 1 risk-based capital ratio | 11.3063% | 6,085 |
| Total risk-based capital ratio | 12.5125% | 6,107 |
| Memoranda: | ||
| Average total assets | $253,894,200 | 2,507 |
| Average earning assets | $235,127,800 | 2,475 |
| Average equity | $21,876,400 | 2,894 |
| Average total loans | $179,619,000 | 2,360 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 3,640 |
| Cost of funding earning assets | 1.6474% | 2,122 |
| Net interest margin | 3.5916% | 4,911 |
| Noninterest income to average assets | 0.2419% | 6,159 |
| Noninterest expense to average assets | 5.1829% | 325 |
| Loan and lease loss provision to assets | 0.4138% | 3,423 |
| Net operating income to assets | -2.0362% | 7,249 |
| Return on assets (ROA) | -2.0362% | 7,268 |
| Pretax return on assets | -2.0362% | 7,212 |
| Return on Equity (ROE) | -23.8986% | 7,291 |
| Retained earnings to average equity (ytd only) | -23.8986% | 7,281 |
| Net charge-offs to loans | 0.1931% | 4,790 |
| Credit loss provision to net charge-offs | 304.7619% | 1,047 |
| Earnings coverage of net charge-offs (x) | -11.9485% | 6,633 |
| Efficiency ratio | 145.5660% | 222 |
| Assets per employee ($millions) | 3.4135% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 5,080 |
| Loan loss allowance to noncurrent loans | 177.1199% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 5,918 |
| Noncurrent loans to loans | 0.7203% | 5,773 |
| Net loans and leases to total assets | 68.6604% | 3,062 |
| Net loans and leases to deposits | 78.3677% | 3,761 |
| Net loans and leases to core deposits | 93.3838% | 2,610 |
| Total domestic deposits to total assets | 87.6131% | 2,203 |
| Equity capital to assets | 8.4499% | 6,336 |
| Core capital (leverage) ratio | 8.0035% | 6,337 |
| Tier 1 risk-based capital ratio | 11.0222% | 6,358 |
| Total risk-based capital ratio | 12.2396% | 6,370 |
| Memoranda: | ||
| Average total assets | $247,447,500 | 2,603 |
| Average earning assets | $228,636,250 | 2,577 |
| Average equity | $21,083,000 | 3,040 |
| Average total loans | $173,977,750 | 2,462 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 4,253 |
| Cost of funding earning assets | 1.6615% | 2,325 |
| Net interest margin | 3.4781% | 5,329 |
| Noninterest income to average assets | 0.1348% | 6,913 |
| Noninterest expense to average assets | 5.1485% | 340 |
| Loan and lease loss provision to assets | 0.5182% | 2,716 |
| Net operating income to assets | -2.3231% | 7,379 |
| Return on assets (ROA) | -2.3231% | 7,393 |
| Pretax return on assets | -2.3231% | 7,326 |
| Return on Equity (ROE) | -27.1806% | 7,398 |
| Retained earnings to average equity (ytd only) | -27.1806% | 7,383 |
| Net charge-offs to loans | 0.2798% | 3,938 |
| Credit loss provision to net charge-offs | 262.2881% | 1,449 |
| Earnings coverage of net charge-offs (x) | -9.1356% | 6,320 |
| Efficiency ratio | 153.9810% | 194 |
| Assets per employee ($millions) | 3.2936% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,169 |
| Loan loss allowance to noncurrent loans | 166.6667% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 5,946 |
| Noncurrent loans to loans | 0.7515% | 5,763 |
| Net loans and leases to total assets | 66.0416% | 3,820 |
| Net loans and leases to deposits | 76.8075% | 4,187 |
| Net loans and leases to core deposits | 91.0832% | 3,112 |
| Total domestic deposits to total assets | 85.9833% | 3,104 |
| Equity capital to assets | 8.1455% | 6,604 |
| Core capital (leverage) ratio | 8.4183% | 5,547 |
| Tier 1 risk-based capital ratio | 11.5295% | 5,741 |
| Total risk-based capital ratio | 12.7599% | 5,732 |
| Memoranda: | ||
| Average total assets | $238,903,670 | 2,714 |
| Average earning assets | $220,405,670 | 2,678 |
| Average equity | $20,419,000 | 3,122 |
| Average total loans | $168,663,670 | 2,570 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0829% | 4,612 |
| Cost of funding earning assets | 1.6622% | 2,586 |
| Net interest margin | 3.4207% | 5,495 |
| Noninterest income to average assets | 0.0018% | 7,653 |
| Noninterest expense to average assets | 4.8125% | 424 |
| Loan and lease loss provision to assets | 0.8373% | 1,513 |
| Net operating income to assets | -2.5064% | 7,559 |
| Return on assets (ROA) | -2.5064% | 7,560 |
| Pretax return on assets | -2.5064% | 7,513 |
| Return on Equity (ROE) | -28.4996% | 7,548 |
| Retained earnings to average equity (ytd only) | -28.4996% | 7,517 |
| Net charge-offs to loans | 0.5842% | 2,343 |
| Credit loss provision to net charge-offs | 196.6102% | 1,885 |
| Earnings coverage of net charge-offs (x) | -3.9195% | 5,516 |
| Efficiency ratio | 153.0999% | 198 |
| Assets per employee ($millions) | 3.6523% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,213 |
| Loan loss allowance to noncurrent loans | 589.5028% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 6,694 |
| Noncurrent loans to loans | 0.2121% | 6,912 |
| Net loans and leases to total assets | 70.9822% | 2,704 |
| Net loans and leases to deposits | 82.7275% | 3,157 |
| Net loans and leases to core deposits | 98.3139% | 2,310 |
| Total domestic deposits to total assets | 85.8024% | 3,258 |
| Equity capital to assets | 8.8859% | 5,429 |
| Core capital (leverage) ratio | 9.5239% | 3,731 |
| Tier 1 risk-based capital ratio | 12.0363% | 5,163 |
| Total risk-based capital ratio | 13.2693% | 5,139 |
| Memoranda: | ||
| Average total assets | $221,672,000 | 2,968 |
| Average earning assets | $203,586,500 | 2,947 |
| Average equity | $19,495,000 | 3,265 |
| Average total loans | $161,582,500 | 2,740 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2674% | 5,335 |
| Cost of funding earning assets | 1.6380% | 4,856 |
| Net interest margin | 3.6294% | 4,434 |
| Noninterest income to average assets | 0.2645% | 6,222 |
| Noninterest expense to average assets | 4.5857% | 728 |
| Loan and lease loss provision to assets | 0.4864% | 3,938 |
| Net operating income to assets | -1.5083% | 6,859 |
| Return on assets (ROA) | -1.4585% | 6,838 |
| Pretax return on assets | -1.4585% | 6,677 |
| Return on Equity (ROE) | -14.6811% | 6,919 |
| Retained earnings to average equity (ytd only) | -14.6811% | 6,869 |
| Net charge-offs to loans | 0.2220% | 5,236 |
| Credit loss provision to net charge-offs | 313.5849% | 1,044 |
| Earnings coverage of net charge-offs (x) | -6.5887% | 7,132 |
| Efficiency ratio | 128.6747% | 492 |
| Assets per employee ($millions) | 3.6776% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 5,054 |
| Loan loss allowance to noncurrent loans | 59.6557% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.6650% | 3,871 |
| Noncurrent loans to loans | 2.0948% | 3,525 |
| Net loans and leases to total assets | 73.1331% | 2,473 |
| Net loans and leases to deposits | 85.6326% | 2,976 |
| Net loans and leases to core deposits | 122.5690% | 1,743 |
| Total domestic deposits to total assets | 85.4034% | 3,359 |
| Equity capital to assets | 8.6892% | 5,600 |
| Core capital (leverage) ratio | 9.0902% | 4,275 |
| Tier 1 risk-based capital ratio | 11.7821% | 5,124 |
| Total risk-based capital ratio | 13.0343% | 5,086 |
| Memoranda: | ||
| Average total assets | $170,858,800 | 3,599 |
| Average earning assets | $155,314,600 | 3,609 |
| Average equity | $16,974,200 | 3,677 |
| Average total loans | $119,385,000 | 3,499 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 5,552 |
| Cost of funding earning assets | 1.6370% | 5,222 |
| Net interest margin | 3.6364% | 4,342 |
| Noninterest income to average assets | 0.2682% | 6,319 |
| Noninterest expense to average assets | 4.2297% | 1,001 |
| Loan and lease loss provision to assets | 0.4319% | 3,747 |
| Net operating income to assets | -1.1006% | 6,898 |
| Return on assets (ROA) | -1.0307% | 6,866 |
| Pretax return on assets | -1.0307% | 6,709 |
| Return on Equity (ROE) | -9.9774% | 6,892 |
| Retained earnings to average equity (ytd only) | -9.9774% | 6,802 |
| Net charge-offs to loans | 0.3120% | 4,089 |
| Credit loss provision to net charge-offs | 201.9231% | 2,211 |
| Earnings coverage of net charge-offs (x) | -3.1269% | 6,809 |
| Efficiency ratio | 118.7803% | 606 |
| Assets per employee ($millions) | 3.8645% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,815 |
| Loan loss allowance to noncurrent loans | 131.2347% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 5,839 |
| Noncurrent loans to loans | 0.9533% | 5,388 |
| Net loans and leases to total assets | 66.9027% | 4,209 |
| Net loans and leases to deposits | 79.7416% | 4,431 |
| Net loans and leases to core deposits | 115.2737% | 2,697 |
| Total domestic deposits to total assets | 83.8995% | 3,765 |
| Equity capital to assets | 8.5102% | 6,238 |
| Core capital (leverage) ratio | 8.9498% | 4,729 |
| Tier 1 risk-based capital ratio | 12.5423% | 4,505 |
| Total risk-based capital ratio | 13.7943% | 4,459 |
| Memoranda: | ||
| Average total assets | $162,087,250 | 3,758 |
| Average earning assets | $146,771,000 | 3,782 |
| Average equity | $16,744,000 | 3,759 |
| Average total loans | $111,101,250 | 3,715 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3666% | 5,316 |
| Cost of funding earning assets | 1.6038% | 5,734 |
| Net interest margin | 3.7629% | 3,706 |
| Noninterest income to average assets | 0.2693% | 6,344 |
| Noninterest expense to average assets | 4.0890% | 1,201 |
| Loan and lease loss provision to assets | 0.3464% | 3,849 |
| Net operating income to assets | -0.7556% | 6,797 |
| Return on assets (ROA) | -0.6445% | 6,705 |
| Pretax return on assets | -0.6445% | 6,561 |
| Return on Equity (ROE) | -5.8158% | 6,691 |
| Retained earnings to average equity (ytd only) | -5.8158% | 6,424 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1190% | 823 |
| Assets per employee ($millions) | 4.7689% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 3,884 |
| Loan loss allowance to noncurrent loans | 127.1791% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 5,619 |
| Noncurrent loans to loans | 1.0775% | 5,051 |
| Net loans and leases to total assets | 65.4684% | 4,672 |
| Net loans and leases to deposits | 78.5811% | 4,769 |
| Net loans and leases to core deposits | 109.3247% | 3,454 |
| Total domestic deposits to total assets | 83.3131% | 4,104 |
| Equity capital to assets | 9.4826% | 4,632 |
| Core capital (leverage) ratio | 10.3355% | 2,966 |
| Tier 1 risk-based capital ratio | 13.6894% | 3,695 |
| Total risk-based capital ratio | 14.9435% | 3,621 |
| Memoranda: | ||
| Average total assets | $152,996,330 | 3,950 |
| Average earning assets | $138,671,330 | 3,977 |
| Average equity | $16,953,670 | 3,721 |
| Average total loans | $105,371,000 | 3,883 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6154% | 4,261 |
| Cost of funding earning assets | 1.5814% | 6,109 |
| Net interest margin | 4.0340% | 2,513 |
| Noninterest income to average assets | 0.2633% | 6,348 |
| Noninterest expense to average assets | 4.1509% | 998 |
| Loan and lease loss provision to assets | 0.2973% | 3,573 |
| Net operating income to assets | -0.5663% | 6,939 |
| Return on assets (ROA) | -0.4304% | 6,880 |
| Pretax return on assets | -0.4304% | 6,767 |
| Return on Equity (ROE) | -3.5630% | 6,842 |
| Retained earnings to average equity (ytd only) | -3.5630% | 6,366 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9292% | 898 |
| Assets per employee ($millions) | 4.8371% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 3,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 67.2482% | 4,301 |
| Net loans and leases to deposits | 83.6559% | 4,033 |
| Net loans and leases to core deposits | 112.2480% | 3,195 |
| Total domestic deposits to total assets | 80.3867% | 5,217 |
| Equity capital to assets | 11.3405% | 2,693 |
| Core capital (leverage) ratio | 12.2456% | 1,791 |
| Tier 1 risk-based capital ratio | 15.3052% | 2,939 |
| Total risk-based capital ratio | 16.5619% | 2,872 |
| Memoranda: | ||
| Average total assets | $141,269,500 | 4,163 |
| Average earning assets | $126,724,000 | 4,226 |
| Average equity | $17,064,500 | 3,721 |
| Average total loans | $99,494,500 | 4,045 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2628% | 4,168 |
| Cost of funding earning assets | 2.1205% | 5,964 |
| Net interest margin | 4.1423% | 2,528 |
| Noninterest income to average assets | 0.3726% | 5,717 |
| Noninterest expense to average assets | 3.8700% | 1,621 |
| Loan and lease loss provision to assets | 0.4204% | 3,180 |
| Net operating income to assets | -0.1838% | 6,602 |
| Return on assets (ROA) | -0.0957% | 6,340 |
| Pretax return on assets | -0.0957% | 6,265 |
| Return on Equity (ROE) | -0.6691% | 6,319 |
| Retained earnings to average equity (ytd only) | -0.6691% | 5,499 |
| Net charge-offs to loans | 0.1103% | 5,172 |
| Credit loss provision to net charge-offs | 556.6667% | 790 |
| Earnings coverage of net charge-offs (x) | 3.1333% | 4,522 |
| Efficiency ratio | 94.2378% | 1,265 |
| Assets per employee ($millions) | 4.7354% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 3,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.9255% | 3,605 |
| Net loans and leases to deposits | 92.7306% | 3,008 |
| Net loans and leases to core deposits | 115.9324% | 3,125 |
| Total domestic deposits to total assets | 77.5639% | 5,856 |
| Equity capital to assets | 12.9150% | 1,823 |
| Core capital (leverage) ratio | 13.2035% | 1,475 |
| Tier 1 risk-based capital ratio | 16.3716% | 2,529 |
| Total risk-based capital ratio | 17.6219% | 2,468 |
| Memoranda: | ||
| Average total assets | $119,173,200 | 4,544 |
| Average earning assets | $107,428,000 | 4,582 |
| Average equity | $17,037,800 | 3,728 |
| Average total loans | $81,566,600 | 4,473 |