Home > The Citizens Bank > Performance and Condition Ratios
The Citizens Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 1,977 |
| Cost of funding earning assets | 0.9714% | 1,555 |
| Net interest margin | 3.6359% | 2,550 |
| Noninterest income to average assets | 0.2290% | 4,177 |
| Noninterest expense to average assets | 3.2543% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2619% | 4,430 |
| Return on assets (ROA) | 0.2619% | 4,451 |
| Pretax return on assets | 0.2619% | 4,506 |
| Return on Equity (ROE) | 1.8553% | 4,472 |
| Retained earnings to average equity (ytd only) | 1.8553% | 3,490 |
| Net charge-offs to loans | 0.3923% | 369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.0309% | 2,424 |
| Efficiency ratio | 92.5513% | 410 |
| Assets per employee ($millions) | 3.9644% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,640 |
| Loan loss allowance to noncurrent loans | 84.2542% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.2085% | 1,025 |
| Noncurrent loans to loans | 1.6813% | 906 |
| Net loans and leases to total assets | 63.0096% | 3,189 |
| Net loans and leases to deposits | 73.7299% | 3,299 |
| Net loans and leases to core deposits | 81.6036% | 3,051 |
| Total domestic deposits to total assets | 85.4600% | 2,224 |
| Equity capital to assets | 14.0048% | 1,058 |
| Core capital (leverage) ratio | 14.0542% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1077% | 437 |
| Memoranda: | ||
| Average total assets | $255,047,500 | 2,465 |
| Average earning assets | $230,589,500 | 2,495 |
| Average equity | $36,004,500 | 2,141 |
| Average total loans | $165,176,500 | 2,485 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 2,428 |
| Cost of funding earning assets | 0.8626% | 2,366 |
| Net interest margin | 3.7993% | 2,499 |
| Noninterest income to average assets | 0.2682% | 4,073 |
| Noninterest expense to average assets | 2.7274% | 2,810 |
| Loan and lease loss provision to assets | 0.0280% | 3,456 |
| Net operating income to assets | 0.9175% | 3,136 |
| Return on assets (ROA) | 0.9175% | 3,212 |
| Pretax return on assets | 0.9175% | 3,685 |
| Return on Equity (ROE) | 6.5467% | 3,728 |
| Retained earnings to average equity (ytd only) | 3.0563% | 3,496 |
| Net charge-offs to loans | 0.1024% | 1,703 |
| Credit loss provision to net charge-offs | 41.4201% | 3,191 |
| Earnings coverage of net charge-offs (x) | 13.9763% | 2,313 |
| Efficiency ratio | 74.2561% | 1,579 |
| Assets per employee ($millions) | 3.8833% | 4,045 |
| Cash dividends to net income (ytd only)* | 53.3159% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 1,216 |
| Loan loss allowance to noncurrent loans | 78.9241% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3922% | 758 |
| Noncurrent loans to loans | 1.9076% | 689 |
| Net loans and leases to total assets | 64.6407% | 3,113 |
| Net loans and leases to deposits | 75.8215% | 3,200 |
| Net loans and leases to core deposits | 85.5056% | 2,826 |
| Total domestic deposits to total assets | 85.2539% | 2,394 |
| Equity capital to assets | 14.2311% | 1,028 |
| Core capital (leverage) ratio | 14.2730% | 856 |
| Tier 1 risk-based capital ratio | 23.7141% | 851 |
| Total risk-based capital ratio | 24.9685% | 838 |
| Memoranda: | ||
| Average total assets | $249,801,000 | 2,466 |
| Average earning assets | $223,854,200 | 2,504 |
| Average equity | $35,009,800 | 2,138 |
| Average total loans | $165,107,600 | 2,460 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 2,603 |
| Cost of funding earning assets | 0.8300% | 2,565 |
| Net interest margin | 3.8084% | 2,569 |
| Noninterest income to average assets | 0.3280% | 3,784 |
| Noninterest expense to average assets | 2.7298% | 2,783 |
| Loan and lease loss provision to assets | 0.0375% | 3,146 |
| Net operating income to assets | 0.9691% | 3,087 |
| Return on assets (ROA) | 0.9691% | 3,166 |
| Pretax return on assets | 0.9691% | 3,689 |
| Return on Equity (ROE) | 6.9421% | 3,700 |
| Retained earnings to average equity (ytd only) | 2.2578% | 4,181 |
| Net charge-offs to loans | 0.1334% | 1,197 |
| Credit loss provision to net charge-offs | 42.4242% | 2,841 |
| Earnings coverage of net charge-offs (x) | 11.4002% | 2,445 |
| Efficiency ratio | 73.0593% | 1,692 |
| Assets per employee ($millions) | 3.6165% | 4,372 |
| Cash dividends to net income (ytd only)* | 67.4763% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,279 |
| Loan loss allowance to noncurrent loans | 115.2144% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.2947% | 939 |
| Noncurrent loans to loans | 1.2900% | 1,200 |
| Net loans and leases to total assets | 67.3565% | 2,881 |
| Net loans and leases to deposits | 79.1774% | 2,992 |
| Net loans and leases to core deposits | 89.2569% | 2,610 |
| Total domestic deposits to total assets | 85.0703% | 2,401 |
| Equity capital to assets | 14.4116% | 1,003 |
| Core capital (leverage) ratio | 14.3973% | 881 |
| Tier 1 risk-based capital ratio | 23.4314% | 905 |
| Total risk-based capital ratio | 24.6863% | 883 |
| Memoranda: | ||
| Average total assets | $249,148,250 | 2,487 |
| Average earning assets | $222,977,250 | 2,536 |
| Average equity | $34,782,000 | 2,158 |
| Average total loans | $164,970,750 | 2,482 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 2,893 |
| Cost of funding earning assets | 0.7906% | 2,690 |
| Net interest margin | 3.7461% | 2,770 |
| Noninterest income to average assets | 0.2917% | 3,990 |
| Noninterest expense to average assets | 2.7304% | 2,815 |
| Loan and lease loss provision to assets | 0.0400% | 3,014 |
| Net operating income to assets | 0.8768% | 3,377 |
| Return on assets (ROA) | 0.8768% | 3,441 |
| Pretax return on assets | 0.8768% | 3,916 |
| Return on Equity (ROE) | 6.3480% | 3,922 |
| Retained earnings to average equity (ytd only) | -0.7233% | 4,793 |
| Net charge-offs to loans | 0.1123% | 1,294 |
| Credit loss provision to net charge-offs | 54.3478% | 2,440 |
| Earnings coverage of net charge-offs (x) | 12.4674% | 2,151 |
| Efficiency ratio | 74.8630% | 1,533 |
| Assets per employee ($millions) | 3.6491% | 4,314 |
| Cash dividends to net income (ytd only)* | 111.3947% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,139 |
| Loan loss allowance to noncurrent loans | 136.2520% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 1,015 |
| Noncurrent loans to loans | 1.1362% | 1,432 |
| Net loans and leases to total assets | 65.4053% | 3,177 |
| Net loans and leases to deposits | 76.4663% | 3,290 |
| Net loans and leases to core deposits | 86.3065% | 2,935 |
| Total domestic deposits to total assets | 85.5347% | 2,248 |
| Equity capital to assets | 13.9950% | 1,122 |
| Core capital (leverage) ratio | 13.8527% | 1,008 |
| Tier 1 risk-based capital ratio | 23.4691% | 898 |
| Total risk-based capital ratio | 24.7248% | 877 |
| Memoranda: | ||
| Average total assets | $250,224,330 | 2,490 |
| Average earning assets | $224,127,330 | 2,540 |
| Average equity | $34,562,330 | 2,165 |
| Average total loans | $163,913,670 | 2,494 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 2,947 |
| Cost of funding earning assets | 0.7531% | 2,778 |
| Net interest margin | 3.7246% | 2,801 |
| Noninterest income to average assets | 0.1719% | 4,708 |
| Noninterest expense to average assets | 2.7381% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7641% | 3,735 |
| Return on assets (ROA) | 0.7641% | 3,779 |
| Pretax return on assets | 0.7641% | 4,137 |
| Return on Equity (ROE) | 5.5684% | 4,168 |
| Retained earnings to average equity (ytd only) | -8.6079% | 5,056 |
| Net charge-offs to loans | 0.0514% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 22.8571% | 1,483 |
| Efficiency ratio | 78.1818% | 1,248 |
| Assets per employee ($millions) | 3.8605% | 4,106 |
| Cash dividends to net income (ytd only)* | 254.5833% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,128 |
| Loan loss allowance to noncurrent loans | 116.7423% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 824 |
| Noncurrent loans to loans | 1.3450% | 1,207 |
| Net loans and leases to total assets | 64.2780% | 3,249 |
| Net loans and leases to deposits | 74.7194% | 3,381 |
| Net loans and leases to core deposits | 84.1525% | 3,014 |
| Total domestic deposits to total assets | 86.0259% | 2,272 |
| Equity capital to assets | 13.5928% | 1,180 |
| Core capital (leverage) ratio | 13.5778% | 1,067 |
| Tier 1 risk-based capital ratio | 22.7692% | 962 |
| Total risk-based capital ratio | 24.0249% | 938 |
| Memoranda: | ||
| Average total assets | $251,267,000 | 2,498 |
| Average earning assets | $224,665,500 | 2,559 |
| Average equity | $34,480,000 | 2,163 |
| Average total loans | $163,446,500 | 2,528 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 2,852 |
| Cost of funding earning assets | 0.5807% | 2,849 |
| Net interest margin | 3.7924% | 2,689 |
| Noninterest income to average assets | 0.3945% | 3,472 |
| Noninterest expense to average assets | 2.6694% | 3,124 |
| Loan and lease loss provision to assets | 0.1482% | 1,437 |
| Net operating income to assets | 0.9665% | 3,153 |
| Return on assets (ROA) | 0.9661% | 3,153 |
| Pretax return on assets | 0.9661% | 3,709 |
| Return on Equity (ROE) | 7.1970% | 3,766 |
| Retained earnings to average equity (ytd only) | 3.1656% | 3,813 |
| Net charge-offs to loans | 0.3266% | 590 |
| Credit loss provision to net charge-offs | 69.7026% | 2,995 |
| Earnings coverage of net charge-offs (x) | 5.2416% | 3,208 |
| Efficiency ratio | 70.5421% | 2,102 |
| Assets per employee ($millions) | 3.8121% | 4,162 |
| Cash dividends to net income (ytd only)* | 56.0147% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 1,049 |
| Loan loss allowance to noncurrent loans | 101.3281% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 2.1769% | 408 |
| Noncurrent loans to loans | 1.5703% | 941 |
| Net loans and leases to total assets | 63.7642% | 3,384 |
| Net loans and leases to deposits | 74.4337% | 3,465 |
| Net loans and leases to core deposits | 83.4447% | 3,136 |
| Total domestic deposits to total assets | 85.6657% | 2,373 |
| Equity capital to assets | 13.8518% | 1,019 |
| Core capital (leverage) ratio | 13.8617% | 963 |
| Tier 1 risk-based capital ratio | 23.1741% | 901 |
| Total risk-based capital ratio | 24.4295% | 871 |
| Memoranda: | ||
| Average total assets | $252,979,000 | 2,450 |
| Average earning assets | $226,112,600 | 2,513 |
| Average equity | $33,958,600 | 2,115 |
| Average total loans | $164,723,400 | 2,483 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 2,802 |
| Cost of funding earning assets | 0.5473% | 2,874 |
| Net interest margin | 3.7984% | 2,657 |
| Noninterest income to average assets | 0.4279% | 3,297 |
| Noninterest expense to average assets | 2.6385% | 3,164 |
| Loan and lease loss provision to assets | 0.1500% | 1,311 |
| Net operating income to assets | 1.0363% | 2,937 |
| Return on assets (ROA) | 1.0358% | 2,948 |
| Pretax return on assets | 1.0358% | 3,620 |
| Return on Equity (ROE) | 7.7779% | 3,635 |
| Retained earnings to average equity (ytd only) | 2.3674% | 4,450 |
| Net charge-offs to loans | 0.2600% | 641 |
| Credit loss provision to net charge-offs | 88.5093% | 2,439 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,837 |
| Efficiency ratio | 68.9831% | 2,360 |
| Assets per employee ($millions) | 3.7637% | 4,223 |
| Cash dividends to net income (ytd only)* | 69.5632% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 914 |
| Loan loss allowance to noncurrent loans | 57.9834% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.8055% | 280 |
| Noncurrent loans to loans | 2.8902% | 390 |
| Net loans and leases to total assets | 64.2444% | 3,393 |
| Net loans and leases to deposits | 74.9655% | 3,515 |
| Net loans and leases to core deposits | 84.1902% | 3,139 |
| Total domestic deposits to total assets | 85.6986% | 2,331 |
| Equity capital to assets | 13.8388% | 1,012 |
| Core capital (leverage) ratio | 13.8234% | 989 |
| Tier 1 risk-based capital ratio | 22.8632% | 953 |
| Total risk-based capital ratio | 24.1196% | 925 |
| Memoranda: | ||
| Average total assets | $253,324,000 | 2,468 |
| Average earning assets | $226,543,000 | 2,522 |
| Average equity | $33,735,500 | 2,129 |
| Average total loans | $165,148,250 | 2,497 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,667 |
| Cost of funding earning assets | 0.5173% | 2,876 |
| Net interest margin | 3.8129% | 2,528 |
| Noninterest income to average assets | 0.4322% | 3,277 |
| Noninterest expense to average assets | 2.5894% | 3,359 |
| Loan and lease loss provision to assets | 0.2236% | 729 |
| Net operating income to assets | 1.0307% | 2,890 |
| Return on assets (ROA) | 1.0299% | 2,896 |
| Pretax return on assets | 1.0299% | 3,568 |
| Return on Equity (ROE) | 7.8337% | 3,580 |
| Retained earnings to average equity (ytd only) | -0.3341% | 5,000 |
| Net charge-offs to loans | 0.3384% | 474 |
| Credit loss provision to net charge-offs | 101.4235% | 1,996 |
| Earnings coverage of net charge-offs (x) | 5.6904% | 2,690 |
| Efficiency ratio | 67.3673% | 2,751 |
| Assets per employee ($millions) | 3.5445% | 4,539 |
| Cash dividends to net income (ytd only)* | 104.2650% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 933 |
| Loan loss allowance to noncurrent loans | 67.9882% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 2.2050% | 446 |
| Noncurrent loans to loans | 2.4743% | 526 |
| Net loans and leases to total assets | 65.0353% | 3,270 |
| Net loans and leases to deposits | 75.6238% | 3,374 |
| Net loans and leases to core deposits | 84.8328% | 3,021 |
| Total domestic deposits to total assets | 85.9985% | 2,278 |
| Equity capital to assets | 13.5904% | 1,066 |
| Core capital (leverage) ratio | 13.3987% | 1,099 |
| Tier 1 risk-based capital ratio | 22.3645% | 1,001 |
| Total risk-based capital ratio | 23.6213% | 978 |
| Memoranda: | ||
| Average total assets | $254,964,330 | 2,469 |
| Average earning assets | $228,122,330 | 2,523 |
| Average equity | $33,522,000 | 2,143 |
| Average total loans | $166,096,000 | 2,499 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 2,531 |
| Cost of funding earning assets | 0.4992% | 2,800 |
| Net interest margin | 3.7972% | 2,436 |
| Noninterest income to average assets | 0.4133% | 3,369 |
| Noninterest expense to average assets | 2.4939% | 3,669 |
| Loan and lease loss provision to assets | 0.2709% | 510 |
| Net operating income to assets | 1.0279% | 2,741 |
| Return on assets (ROA) | 1.0264% | 2,766 |
| Pretax return on assets | 1.0264% | 3,443 |
| Return on Equity (ROE) | 7.9347% | 3,404 |
| Retained earnings to average equity (ytd only) | -8.4493% | 5,321 |
| Net charge-offs to loans | 0.3735% | 420 |
| Credit loss provision to net charge-offs | 112.1795% | 1,438 |
| Earnings coverage of net charge-offs (x) | 5.3782% | 2,245 |
| Efficiency ratio | 65.7551% | 3,218 |
| Assets per employee ($millions) | 3.8372% | 4,236 |
| Cash dividends to net income (ytd only)* | 206.4857% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 1,021 |
| Loan loss allowance to noncurrent loans | 59.6476% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.5454% | 361 |
| Noncurrent loans to loans | 2.7915% | 449 |
| Net loans and leases to total assets | 63.7682% | 3,344 |
| Net loans and leases to deposits | 73.4660% | 3,468 |
| Net loans and leases to core deposits | 84.5041% | 2,932 |
| Total domestic deposits to total assets | 86.7997% | 2,206 |
| Equity capital to assets | 12.8631% | 1,312 |
| Core capital (leverage) ratio | 12.8029% | 1,250 |
| Tier 1 risk-based capital ratio | 21.3028% | 1,159 |
| Total risk-based capital ratio | 22.5589% | 1,128 |
| Memoranda: | ||
| Average total assets | $258,388,500 | 2,456 |
| Average earning assets | $229,961,500 | 2,533 |
| Average equity | $33,423,000 | 2,166 |
| Average total loans | $167,082,000 | 2,505 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 2,478 |
| Cost of funding earning assets | 0.4874% | 2,443 |
| Net interest margin | 3.7682% | 2,537 |
| Noninterest income to average assets | 0.4084% | 3,576 |
| Noninterest expense to average assets | 2.5590% | 3,580 |
| Loan and lease loss provision to assets | 0.1284% | 1,785 |
| Net operating income to assets | 1.0654% | 1,990 |
| Return on assets (ROA) | 1.0650% | 2,017 |
| Pretax return on assets | 1.0650% | 3,324 |
| Return on Equity (ROE) | 8.3733% | 2,617 |
| Retained earnings to average equity (ytd only) | 4.3977% | 2,520 |
| Net charge-offs to loans | 0.1759% | 1,414 |
| Credit loss provision to net charge-offs | 114.9826% | 2,284 |
| Earnings coverage of net charge-offs (x) | 10.6934% | 2,650 |
| Efficiency ratio | 68.1903% | 2,855 |
| Assets per employee ($millions) | 3.8759% | 4,147 |
| Cash dividends to net income (ytd only)* | 47.4799% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 1,045 |
| Loan loss allowance to noncurrent loans | 48.8393% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.9397% | 278 |
| Noncurrent loans to loans | 3.3701% | 305 |
| Net loans and leases to total assets | 63.4188% | 3,431 |
| Net loans and leases to deposits | 73.2772% | 3,572 |
| Net loans and leases to core deposits | 83.4739% | 3,107 |
| Total domestic deposits to total assets | 86.5464% | 2,207 |
| Equity capital to assets | 13.0065% | 1,264 |
| Core capital (leverage) ratio | 12.9894% | 1,145 |
| Tier 1 risk-based capital ratio | 21.1908% | 1,111 |
| Total risk-based capital ratio | 22.4462% | 1,090 |
| Memoranda: | ||
| Average total assets | $257,094,600 | 2,443 |
| Average earning assets | $228,172,200 | 2,516 |
| Average equity | $32,699,200 | 2,190 |
| Average total loans | $163,129,800 | 2,504 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 2,460 |
| Cost of funding earning assets | 0.4793% | 2,436 |
| Net interest margin | 3.7638% | 2,528 |
| Noninterest income to average assets | 0.3769% | 3,833 |
| Noninterest expense to average assets | 2.5382% | 3,601 |
| Loan and lease loss provision to assets | 0.0936% | 2,212 |
| Net operating income to assets | 1.0851% | 2,151 |
| Return on assets (ROA) | 1.0845% | 2,213 |
| Pretax return on assets | 1.0845% | 3,362 |
| Return on Equity (ROE) | 8.5762% | 2,823 |
| Retained earnings to average equity (ytd only) | 3.2315% | 4,001 |
| Net charge-offs to loans | 0.1160% | 1,627 |
| Credit loss provision to net charge-offs | 127.6596% | 1,913 |
| Earnings coverage of net charge-offs (x) | 16.0776% | 2,187 |
| Efficiency ratio | 68.2893% | 2,822 |
| Assets per employee ($millions) | 3.7611% | 4,350 |
| Cash dividends to net income (ytd only)* | 62.3203% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 1,125 |
| Loan loss allowance to noncurrent loans | 60.1486% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.5791% | 405 |
| Noncurrent loans to loans | 2.7463% | 511 |
| Net loans and leases to total assets | 64.0879% | 3,386 |
| Net loans and leases to deposits | 74.0042% | 3,566 |
| Net loans and leases to core deposits | 84.3819% | 3,098 |
| Total domestic deposits to total assets | 86.6003% | 2,047 |
| Equity capital to assets | 12.9516% | 1,410 |
| Core capital (leverage) ratio | 12.9867% | 1,213 |
| Tier 1 risk-based capital ratio | 21.2461% | 1,153 |
| Total risk-based capital ratio | 22.5020% | 1,137 |
| Memoranda: | ||
| Average total assets | $256,447,000 | 2,463 |
| Average earning assets | $227,562,750 | 2,541 |
| Average equity | $32,430,000 | 2,212 |
| Average total loans | $162,051,000 | 2,534 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 2,592 |
| Cost of funding earning assets | 0.4663% | 2,445 |
| Net interest margin | 3.7014% | 2,656 |
| Noninterest income to average assets | 0.3436% | 4,089 |
| Noninterest expense to average assets | 2.5035% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1244% | 1,877 |
| Return on assets (ROA) | 1.1244% | 1,929 |
| Pretax return on assets | 1.1244% | 3,070 |
| Return on Equity (ROE) | 8.9631% | 2,527 |
| Retained earnings to average equity (ytd only) | 0.8882% | 4,868 |
| Net charge-offs to loans | 0.0274% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 65.5909% | 883 |
| Efficiency ratio | 69.0077% | 2,849 |
| Assets per employee ($millions) | 3.7966% | 4,283 |
| Cash dividends to net income (ytd only)* | 90.0901% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 1,193 |
| Loan loss allowance to noncurrent loans | 49.0614% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 2.8512% | 337 |
| Noncurrent loans to loans | 3.3259% | 363 |
| Net loans and leases to total assets | 62.8598% | 3,526 |
| Net loans and leases to deposits | 72.2450% | 3,715 |
| Net loans and leases to core deposits | 81.6614% | 3,284 |
| Total domestic deposits to total assets | 87.0092% | 1,949 |
| Equity capital to assets | 12.5813% | 1,583 |
| Core capital (leverage) ratio | 12.6611% | 1,313 |
| Tier 1 risk-based capital ratio | 20.8146% | 1,224 |
| Total risk-based capital ratio | 22.0706% | 1,193 |
| Memoranda: | ||
| Average total assets | $256,678,670 | 2,470 |
| Average earning assets | $227,749,670 | 2,551 |
| Average equity | $32,198,670 | 2,221 |
| Average total loans | $160,515,000 | 2,558 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 2,707 |
| Cost of funding earning assets | 0.4561% | 2,469 |
| Net interest margin | 3.6276% | 2,789 |
| Noninterest income to average assets | 0.3235% | 4,230 |
| Noninterest expense to average assets | 2.3912% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1519% | 1,660 |
| Return on assets (ROA) | 1.1519% | 1,696 |
| Pretax return on assets | 1.1519% | 2,770 |
| Return on Equity (ROE) | 9.1960% | 2,320 |
| Retained earnings to average equity (ytd only) | -7.0249% | 5,493 |
| Net charge-offs to loans | 0.1289% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 14.4510% | 1,722 |
| Efficiency ratio | 67.4901% | 3,277 |
| Assets per employee ($millions) | 3.8909% | 4,199 |
| Cash dividends to net income (ytd only)* | 176.3908% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 1,185 |
| Loan loss allowance to noncurrent loans | 62.7179% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 2.4623% | 473 |
| Noncurrent loans to loans | 2.6781% | 565 |
| Net loans and leases to total assets | 60.7016% | 3,705 |
| Net loans and leases to deposits | 69.5769% | 3,845 |
| Net loans and leases to core deposits | 77.8155% | 3,487 |
| Total domestic deposits to total assets | 87.2440% | 2,092 |
| Equity capital to assets | 12.3740% | 1,619 |
| Core capital (leverage) ratio | 12.3560% | 1,420 |
| Tier 1 risk-based capital ratio | 20.9082% | 1,229 |
| Total risk-based capital ratio | 22.1649% | 1,205 |
| Memoranda: | ||
| Average total assets | $255,934,000 | 2,497 |
| Average earning assets | $227,146,000 | 2,581 |
| Average equity | $32,057,500 | 2,234 |
| Average total loans | $158,284,500 | 2,598 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 2,431 |
| Cost of funding earning assets | 0.4700% | 2,353 |
| Net interest margin | 3.7479% | 2,516 |
| Noninterest income to average assets | 0.3946% | 3,932 |
| Noninterest expense to average assets | 2.5570% | 3,817 |
| Loan and lease loss provision to assets | 0.1023% | 2,336 |
| Net operating income to assets | 1.0043% | 2,337 |
| Return on assets (ROA) | 1.0019% | 2,449 |
| Pretax return on assets | 1.0019% | 3,470 |
| Return on Equity (ROE) | 8.1311% | 2,873 |
| Retained earnings to average equity (ytd only) | 3.9810% | 3,085 |
| Net charge-offs to loans | 0.3036% | 905 |
| Credit loss provision to net charge-offs | 54.5073% | 3,326 |
| Earnings coverage of net charge-offs (x) | 5.8973% | 3,263 |
| Efficiency ratio | 69.7949% | 2,939 |
| Assets per employee ($millions) | 3.8647% | 4,199 |
| Cash dividends to net income (ytd only)* | 51.0404% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 1,108 |
| Loan loss allowance to noncurrent loans | 67.8161% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.4338% | 500 |
| Noncurrent loans to loans | 2.5325% | 619 |
| Net loans and leases to total assets | 60.8897% | 3,750 |
| Net loans and leases to deposits | 70.0743% | 3,896 |
| Net loans and leases to core deposits | 78.7383% | 3,506 |
| Total domestic deposits to total assets | 86.8931% | 2,204 |
| Equity capital to assets | 12.6784% | 1,408 |
| Core capital (leverage) ratio | 12.6396% | 1,281 |
| Tier 1 risk-based capital ratio | 21.2986% | 1,160 |
| Total risk-based capital ratio | 22.5553% | 1,146 |
| Memoranda: | ||
| Average total assets | $254,207,000 | 2,472 |
| Average earning assets | $221,724,800 | 2,576 |
| Average equity | $31,324,000 | 2,270 |
| Average total loans | $157,114,000 | 2,553 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 2,416 |
| Cost of funding earning assets | 0.4747% | 2,321 |
| Net interest margin | 3.7550% | 2,506 |
| Noninterest income to average assets | 0.3953% | 3,955 |
| Noninterest expense to average assets | 2.5801% | 3,730 |
| Loan and lease loss provision to assets | 0.0787% | 2,644 |
| Net operating income to assets | 0.9963% | 2,451 |
| Return on assets (ROA) | 0.9995% | 2,571 |
| Pretax return on assets | 0.9995% | 3,633 |
| Return on Equity (ROE) | 8.1705% | 2,923 |
| Retained earnings to average equity (ytd only) | 2.5919% | 4,359 |
| Net charge-offs to loans | 0.3467% | 661 |
| Credit loss provision to net charge-offs | 36.7647% | 3,179 |
| Earnings coverage of net charge-offs (x) | 5.0196% | 3,185 |
| Efficiency ratio | 70.5874% | 2,809 |
| Assets per employee ($millions) | 3.6136% | 4,629 |
| Cash dividends to net income (ytd only)* | 68.2774% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 1,248 |
| Loan loss allowance to noncurrent loans | 65.4826% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.5400% | 529 |
| Noncurrent loans to loans | 2.5769% | 665 |
| Net loans and leases to total assets | 61.5668% | 3,679 |
| Net loans and leases to deposits | 70.7359% | 3,911 |
| Net loans and leases to core deposits | 79.5061% | 3,498 |
| Total domestic deposits to total assets | 87.0375% | 1,878 |
| Equity capital to assets | 12.5304% | 1,760 |
| Core capital (leverage) ratio | 12.5348% | 1,387 |
| Tier 1 risk-based capital ratio | 20.6768% | 1,326 |
| Total risk-based capital ratio | 21.9326% | 1,296 |
| Memoranda: | ||
| Average total assets | $253,991,000 | 2,482 |
| Average earning assets | $220,500,250 | 2,605 |
| Average equity | $31,070,250 | 2,300 |
| Average total loans | $156,886,000 | 2,564 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,462 |
| Cost of funding earning assets | 0.4739% | 2,325 |
| Net interest margin | 3.7422% | 2,541 |
| Noninterest income to average assets | 0.3798% | 4,025 |
| Noninterest expense to average assets | 2.5620% | 3,851 |
| Loan and lease loss provision to assets | 0.0786% | 2,576 |
| Net operating income to assets | 0.9869% | 2,442 |
| Return on assets (ROA) | 0.9916% | 2,567 |
| Pretax return on assets | 0.9916% | 3,618 |
| Return on Equity (ROE) | 8.1719% | 2,898 |
| Retained earnings to average equity (ytd only) | -0.2527% | 5,331 |
| Net charge-offs to loans | 0.4758% | 462 |
| Credit loss provision to net charge-offs | 26.8817% | 2,883 |
| Earnings coverage of net charge-offs (x) | 3.6425% | 3,081 |
| Efficiency ratio | 70.6265% | 2,887 |
| Assets per employee ($millions) | 3.5448% | 4,682 |
| Cash dividends to net income (ytd only)* | 103.0928% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 1,253 |
| Loan loss allowance to noncurrent loans | 61.0843% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.6788% | 489 |
| Noncurrent loans to loans | 2.8002% | 563 |
| Net loans and leases to total assets | 61.5763% | 3,673 |
| Net loans and leases to deposits | 70.7270% | 3,919 |
| Net loans and leases to core deposits | 77.9091% | 3,649 |
| Total domestic deposits to total assets | 87.0619% | 1,890 |
| Equity capital to assets | 12.5145% | 1,760 |
| Core capital (leverage) ratio | 12.2505% | 1,492 |
| Tier 1 risk-based capital ratio | 20.9856% | 1,270 |
| Total risk-based capital ratio | 22.2426% | 1,258 |
| Memoranda: | ||
| Average total assets | $254,337,000 | 2,493 |
| Average earning assets | $220,724,670 | 2,606 |
| Average equity | $30,861,670 | 2,320 |
| Average total loans | $156,378,670 | 2,571 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 2,670 |
| Cost of funding earning assets | 0.4753% | 2,326 |
| Net interest margin | 3.6686% | 2,811 |
| Noninterest income to average assets | 0.3558% | 4,184 |
| Noninterest expense to average assets | 2.5389% | 3,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0068% | 2,245 |
| Return on assets (ROA) | 1.0053% | 2,369 |
| Pretax return on assets | 1.0053% | 3,462 |
| Return on Equity (ROE) | 8.4119% | 2,699 |
| Retained earnings to average equity (ytd only) | -8.4899% | 5,766 |
| Net charge-offs to loans | 0.5713% | 386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.8929% | 2,617 |
| Efficiency ratio | 71.6039% | 2,853 |
| Assets per employee ($millions) | 3.6803% | 4,500 |
| Cash dividends to net income (ytd only)* | 200.9274% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 1,276 |
| Loan loss allowance to noncurrent loans | 54.0967% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.8118% | 477 |
| Noncurrent loans to loans | 3.2103% | 468 |
| Net loans and leases to total assets | 59.4537% | 3,857 |
| Net loans and leases to deposits | 67.7098% | 4,089 |
| Net loans and leases to core deposits | 74.3970% | 3,849 |
| Total domestic deposits to total assets | 87.8066% | 1,745 |
| Equity capital to assets | 11.8157% | 2,142 |
| Core capital (leverage) ratio | 11.7593% | 1,785 |
| Tier 1 risk-based capital ratio | 20.6346% | 1,380 |
| Total risk-based capital ratio | 21.8921% | 1,354 |
| Memoranda: | ||
| Average total assets | $257,437,500 | 2,483 |
| Average earning assets | $223,846,500 | 2,595 |
| Average equity | $30,766,000 | 2,317 |
| Average total loans | $156,842,000 | 2,566 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 2,206 |
| Cost of funding earning assets | 0.5286% | 1,937 |
| Net interest margin | 3.7799% | 2,447 |
| Noninterest income to average assets | 0.3413% | 4,471 |
| Noninterest expense to average assets | 2.4818% | 4,285 |
| Loan and lease loss provision to assets | 0.1251% | 1,928 |
| Net operating income to assets | 1.0077% | 2,323 |
| Return on assets (ROA) | 1.0167% | 2,351 |
| Pretax return on assets | 1.0167% | 3,394 |
| Return on Equity (ROE) | 8.6980% | 2,629 |
| Retained earnings to average equity (ytd only) | 6.6982% | 1,441 |
| Net charge-offs to loans | 0.1887% | 1,536 |
| Credit loss provision to net charge-offs | 105.9603% | 2,371 |
| Earnings coverage of net charge-offs (x) | 9.5960% | 2,804 |
| Efficiency ratio | 68.6601% | 3,455 |
| Assets per employee ($millions) | 3.6750% | 4,519 |
| Cash dividends to net income (ytd only)* | 22.9912% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 1,038 |
| Loan loss allowance to noncurrent loans | 52.4329% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 3.2855% | 381 |
| Noncurrent loans to loans | 3.5422% | 386 |
| Net loans and leases to total assets | 60.2054% | 3,807 |
| Net loans and leases to deposits | 68.8152% | 4,049 |
| Net loans and leases to core deposits | 75.6729% | 3,783 |
| Total domestic deposits to total assets | 87.4885% | 1,887 |
| Equity capital to assets | 12.0863% | 1,893 |
| Core capital (leverage) ratio | 12.1060% | 1,554 |
| Tier 1 risk-based capital ratio | 20.8479% | 1,323 |
| Total risk-based capital ratio | 22.1065% | 1,299 |
| Memoranda: | ||
| Average total assets | $255,821,400 | 2,460 |
| Average earning assets | $221,538,000 | 2,570 |
| Average equity | $29,903,400 | 2,326 |
| Average total loans | $160,067,800 | 2,468 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 2,146 |
| Cost of funding earning assets | 0.5375% | 1,911 |
| Net interest margin | 3.7901% | 2,427 |
| Noninterest income to average assets | 0.3392% | 4,513 |
| Noninterest expense to average assets | 2.4958% | 4,208 |
| Loan and lease loss provision to assets | 0.1174% | 1,935 |
| Net operating income to assets | 1.0052% | 2,444 |
| Return on assets (ROA) | 1.0052% | 2,538 |
| Pretax return on assets | 1.0052% | 3,594 |
| Return on Equity (ROE) | 8.6736% | 2,747 |
| Retained earnings to average equity (ytd only) | 5.9806% | 2,264 |
| Net charge-offs to loans | 0.2557% | 1,028 |
| Credit loss provision to net charge-offs | 73.0519% | 2,715 |
| Earnings coverage of net charge-offs (x) | 6.9837% | 2,969 |
| Efficiency ratio | 68.9745% | 3,380 |
| Assets per employee ($millions) | 3.5883% | 4,630 |
| Cash dividends to net income (ytd only)* | 31.0486% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 1,303 |
| Loan loss allowance to noncurrent loans | 53.3761% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 3.2750% | 425 |
| Noncurrent loans to loans | 3.3391% | 487 |
| Net loans and leases to total assets | 62.0884% | 3,592 |
| Net loans and leases to deposits | 71.0010% | 3,877 |
| Net loans and leases to core deposits | 78.2677% | 3,584 |
| Total domestic deposits to total assets | 87.4472% | 1,825 |
| Equity capital to assets | 12.1109% | 2,021 |
| Core capital (leverage) ratio | 12.0086% | 1,669 |
| Tier 1 risk-based capital ratio | 20.2672% | 1,489 |
| Total risk-based capital ratio | 21.5250% | 1,456 |
| Memoranda: | ||
| Average total assets | $255,464,000 | 2,478 |
| Average earning assets | $221,027,000 | 2,597 |
| Average equity | $29,606,250 | 2,358 |
| Average total loans | $160,632,250 | 2,469 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,174 |
| Cost of funding earning assets | 0.5417% | 1,895 |
| Net interest margin | 3.7565% | 2,493 |
| Noninterest income to average assets | 0.3363% | 4,553 |
| Noninterest expense to average assets | 2.4571% | 4,373 |
| Loan and lease loss provision to assets | 0.1168% | 1,899 |
| Net operating income to assets | 1.0129% | 2,324 |
| Return on assets (ROA) | 1.0129% | 2,437 |
| Pretax return on assets | 1.0129% | 3,534 |
| Return on Equity (ROE) | 8.8700% | 2,624 |
| Retained earnings to average equity (ytd only) | 4.7929% | 2,995 |
| Net charge-offs to loans | 0.1464% | 1,613 |
| Credit loss provision to net charge-offs | 127.1186% | 1,727 |
| Earnings coverage of net charge-offs (x) | 12.2966% | 2,218 |
| Efficiency ratio | 68.5044% | 3,591 |
| Assets per employee ($millions) | 3.6284% | 4,578 |
| Cash dividends to net income (ytd only)* | 45.9646% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 1,311 |
| Loan loss allowance to noncurrent loans | 58.6420% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 3.2041% | 482 |
| Noncurrent loans to loans | 3.1238% | 616 |
| Net loans and leases to total assets | 62.1376% | 3,528 |
| Net loans and leases to deposits | 70.7440% | 3,847 |
| Net loans and leases to core deposits | 77.5935% | 3,618 |
| Total domestic deposits to total assets | 87.8345% | 1,739 |
| Equity capital to assets | 11.7328% | 2,218 |
| Core capital (leverage) ratio | 11.6286% | 1,903 |
| Tier 1 risk-based capital ratio | 18.9114% | 1,808 |
| Total risk-based capital ratio | 20.1692% | 1,776 |
| Memoranda: | ||
| Average total assets | $256,892,330 | 2,481 |
| Average earning assets | $222,281,000 | 2,605 |
| Average equity | $29,335,000 | 2,392 |
| Average total loans | $161,248,670 | 2,471 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 2,364 |
| Cost of funding earning assets | 0.5477% | 1,868 |
| Net interest margin | 3.6779% | 2,709 |
| Noninterest income to average assets | 0.3515% | 4,385 |
| Noninterest expense to average assets | 2.4309% | 4,509 |
| Loan and lease loss provision to assets | 0.1548% | 1,313 |
| Net operating income to assets | 0.9476% | 2,524 |
| Return on assets (ROA) | 0.9476% | 2,660 |
| Pretax return on assets | 0.9476% | 3,705 |
| Return on Equity (ROE) | 8.4116% | 2,746 |
| Retained earnings to average equity (ytd only) | 0.1924% | 5,305 |
| Net charge-offs to loans | 0.2551% | 941 |
| Credit loss provision to net charge-offs | 97.0874% | 1,694 |
| Earnings coverage of net charge-offs (x) | 6.9126% | 2,231 |
| Efficiency ratio | 68.7993% | 3,697 |
| Assets per employee ($millions) | 3.6879% | 4,537 |
| Cash dividends to net income (ytd only)* | 97.7124% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 1,481 |
| Loan loss allowance to noncurrent loans | 59.9629% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 3.3763% | 507 |
| Noncurrent loans to loans | 3.0179% | 712 |
| Net loans and leases to total assets | 61.1636% | 3,501 |
| Net loans and leases to deposits | 69.2732% | 3,829 |
| Net loans and leases to core deposits | 76.3863% | 3,549 |
| Total domestic deposits to total assets | 88.2933% | 1,665 |
| Equity capital to assets | 11.2748% | 2,678 |
| Core capital (leverage) ratio | 11.2838% | 2,168 |
| Tier 1 risk-based capital ratio | 18.2848% | 2,066 |
| Total risk-based capital ratio | 19.5344% | 2,021 |
| Memoranda: | ||
| Average total assets | $258,344,500 | 2,482 |
| Average earning assets | $223,498,500 | 2,610 |
| Average equity | $29,102,500 | 2,422 |
| Average total loans | $161,489,500 | 2,476 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 1,804 |
| Cost of funding earning assets | 0.6488% | 1,414 |
| Net interest margin | 3.8659% | 2,378 |
| Noninterest income to average assets | -0.0477% | 6,432 |
| Noninterest expense to average assets | 2.5091% | 4,516 |
| Loan and lease loss provision to assets | 0.2594% | 862 |
| Net operating income to assets | 0.5453% | 4,613 |
| Return on assets (ROA) | 0.5453% | 4,700 |
| Pretax return on assets | 0.5453% | 5,115 |
| Return on Equity (ROE) | 5.0197% | 4,653 |
| Retained earnings to average equity (ytd only) | 5.0197% | 2,586 |
| Net charge-offs to loans | 0.4935% | 839 |
| Credit loss provision to net charge-offs | 80.7416% | 2,850 |
| Earnings coverage of net charge-offs (x) | 2.5048% | 4,134 |
| Efficiency ratio | 75.7161% | 2,555 |
| Assets per employee ($millions) | 3.6934% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 1,548 |
| Loan loss allowance to noncurrent loans | 72.4447% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.9659% | 689 |
| Noncurrent loans to loans | 2.4794% | 1,031 |
| Net loans and leases to total assets | 61.6009% | 3,555 |
| Net loans and leases to deposits | 69.7351% | 3,952 |
| Net loans and leases to core deposits | 76.7283% | 3,632 |
| Total domestic deposits to total assets | 88.3355% | 1,603 |
| Equity capital to assets | 11.2553% | 2,647 |
| Core capital (leverage) ratio | 11.3147% | 2,119 |
| Tier 1 risk-based capital ratio | 18.2692% | 2,061 |
| Total risk-based capital ratio | 19.5266% | 2,016 |
| Memoranda: | ||
| Average total assets | $260,211,600 | 2,428 |
| Average earning assets | $226,262,600 | 2,559 |
| Average equity | $28,268,600 | 2,388 |
| Average total loans | $169,390,600 | 2,325 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,720 |
| Cost of funding earning assets | 0.6665% | 1,344 |
| Net interest margin | 3.8768% | 2,331 |
| Noninterest income to average assets | -0.1883% | 6,551 |
| Noninterest expense to average assets | 2.4535% | 4,661 |
| Loan and lease loss provision to assets | 0.2942% | 672 |
| Net operating income to assets | 0.4384% | 5,116 |
| Return on assets (ROA) | 0.4384% | 5,193 |
| Pretax return on assets | 0.4384% | 5,501 |
| Return on Equity (ROE) | 4.0720% | 5,143 |
| Retained earnings to average equity (ytd only) | 4.0720% | 3,748 |
| Net charge-offs to loans | 0.5857% | 636 |
| Credit loss provision to net charge-offs | 76.4628% | 2,661 |
| Earnings coverage of net charge-offs (x) | 1.9043% | 4,042 |
| Efficiency ratio | 77.0071% | 2,353 |
| Assets per employee ($millions) | 3.6078% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 1,829 |
| Loan loss allowance to noncurrent loans | 73.0459% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 2.9440% | 813 |
| Noncurrent loans to loans | 2.3928% | 1,240 |
| Net loans and leases to total assets | 64.4833% | 3,116 |
| Net loans and leases to deposits | 73.0635% | 3,557 |
| Net loans and leases to core deposits | 81.1242% | 3,188 |
| Total domestic deposits to total assets | 88.2565% | 1,629 |
| Equity capital to assets | 11.2992% | 2,657 |
| Core capital (leverage) ratio | 11.0011% | 2,480 |
| Tier 1 risk-based capital ratio | 17.7457% | 2,296 |
| Total risk-based capital ratio | 19.0023% | 2,255 |
| Memoranda: | ||
| Average total assets | $260,630,250 | 2,445 |
| Average earning assets | $226,848,750 | 2,569 |
| Average equity | $28,061,000 | 2,415 |
| Average total loans | $171,194,750 | 2,329 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 1,789 |
| Cost of funding earning assets | 0.6816% | 1,301 |
| Net interest margin | 3.8323% | 2,442 |
| Noninterest income to average assets | -0.3547% | 6,640 |
| Noninterest expense to average assets | 2.4251% | 4,810 |
| Loan and lease loss provision to assets | 0.2089% | 1,140 |
| Net operating income to assets | 0.3509% | 5,404 |
| Return on assets (ROA) | 0.3509% | 5,472 |
| Pretax return on assets | 0.3509% | 5,673 |
| Return on Equity (ROE) | 3.3115% | 5,422 |
| Retained earnings to average equity (ytd only) | 3.3115% | 4,095 |
| Net charge-offs to loans | 0.3295% | 1,241 |
| Credit loss provision to net charge-offs | 96.4912% | 2,070 |
| Earnings coverage of net charge-offs (x) | 2.5860% | 3,519 |
| Efficiency ratio | 81.2468% | 1,847 |
| Assets per employee ($millions) | 3.7298% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8073% | 1,828 |
| Loan loss allowance to noncurrent loans | 93.3862% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.7229% | 967 |
| Noncurrent loans to loans | 1.9353% | 1,756 |
| Net loans and leases to total assets | 63.7616% | 3,108 |
| Net loans and leases to deposits | 71.7604% | 3,603 |
| Net loans and leases to core deposits | 80.2665% | 3,182 |
| Total domestic deposits to total assets | 88.8534% | 1,443 |
| Equity capital to assets | 10.7743% | 3,120 |
| Core capital (leverage) ratio | 10.6838% | 2,740 |
| Tier 1 risk-based capital ratio | 16.9411% | 2,644 |
| Total risk-based capital ratio | 18.1985% | 2,602 |
| Memoranda: | ||
| Average total assets | $263,324,000 | 2,424 |
| Average earning assets | $229,472,330 | 2,551 |
| Average equity | $27,902,670 | 2,416 |
| Average total loans | $173,010,000 | 2,316 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 1,543 |
| Cost of funding earning assets | 0.7077% | 1,202 |
| Net interest margin | 3.8758% | 2,172 |
| Noninterest income to average assets | -0.2329% | 6,690 |
| Noninterest expense to average assets | 2.4625% | 4,749 |
| Loan and lease loss provision to assets | 0.3025% | 638 |
| Net operating income to assets | 0.3736% | 5,213 |
| Return on assets (ROA) | 0.3736% | 5,282 |
| Pretax return on assets | 0.3736% | 5,531 |
| Return on Equity (ROE) | 3.5554% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.5554% | 4,000 |
| Net charge-offs to loans | 0.5333% | 690 |
| Credit loss provision to net charge-offs | 85.8369% | 1,838 |
| Earnings coverage of net charge-offs (x) | 1.9185% | 2,990 |
| Efficiency ratio | 78.4578% | 2,418 |
| Assets per employee ($millions) | 3.7871% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 2,157 |
| Loan loss allowance to noncurrent loans | 89.8641% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 3.0981% | 900 |
| Noncurrent loans to loans | 1.9577% | 1,920 |
| Net loans and leases to total assets | 64.0577% | 2,881 |
| Net loans and leases to deposits | 71.9225% | 3,346 |
| Net loans and leases to core deposits | 79.9926% | 2,964 |
| Total domestic deposits to total assets | 89.0649% | 1,615 |
| Equity capital to assets | 10.5277% | 3,221 |
| Core capital (leverage) ratio | 10.5264% | 2,896 |
| Tier 1 risk-based capital ratio | 16.3659% | 2,965 |
| Total risk-based capital ratio | 17.6223% | 2,933 |
| Memoranda: | ||
| Average total assets | $264,443,500 | 2,420 |
| Average earning assets | $230,045,500 | 2,557 |
| Average equity | $27,789,000 | 2,418 |
| Average total loans | $174,747,000 | 2,291 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 1,989 |
| Cost of funding earning assets | 0.8845% | 800 |
| Net interest margin | 3.6782% | 3,141 |
| Noninterest income to average assets | 0.1703% | 6,065 |
| Noninterest expense to average assets | 2.4188% | 5,018 |
| Loan and lease loss provision to assets | 0.7625% | 286 |
| Net operating income to assets | 0.1976% | 5,825 |
| Return on assets (ROA) | 0.1976% | 5,897 |
| Pretax return on assets | 0.1976% | 5,940 |
| Return on Equity (ROE) | 1.9824% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.9824% | 4,823 |
| Net charge-offs to loans | 1.3023% | 388 |
| Credit loss provision to net charge-offs | 86.6419% | 2,850 |
| Earnings coverage of net charge-offs (x) | 1.0910% | 4,714 |
| Efficiency ratio | 71.5855% | 3,555 |
| Assets per employee ($millions) | 3.7684% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 2,266 |
| Loan loss allowance to noncurrent loans | 49.8621% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 4.6170% | 531 |
| Noncurrent loans to loans | 3.4902% | 902 |
| Net loans and leases to total assets | 65.7963% | 2,723 |
| Net loans and leases to deposits | 73.8232% | 3,289 |
| Net loans and leases to core deposits | 82.1942% | 2,874 |
| Total domestic deposits to total assets | 89.1268% | 1,533 |
| Equity capital to assets | 10.4891% | 3,172 |
| Core capital (leverage) ratio | 10.4754% | 2,945 |
| Tier 1 risk-based capital ratio | 15.9697% | 3,106 |
| Total risk-based capital ratio | 17.2263% | 3,062 |
| Memoranda: | ||
| Average total assets | $274,766,600 | 2,312 |
| Average earning assets | $239,683,200 | 2,423 |
| Average equity | $27,390,600 | 2,425 |
| Average total loans | $185,670,400 | 2,150 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 1,996 |
| Cost of funding earning assets | 0.9209% | 741 |
| Net interest margin | 3.6428% | 3,267 |
| Noninterest income to average assets | 0.1864% | 6,080 |
| Noninterest expense to average assets | 2.3777% | 5,086 |
| Loan and lease loss provision to assets | 0.7927% | 248 |
| Net operating income to assets | 0.1975% | 5,919 |
| Return on assets (ROA) | 0.1975% | 5,998 |
| Pretax return on assets | 0.1975% | 6,046 |
| Return on Equity (ROE) | 2.0057% | 5,936 |
| Retained earnings to average equity (ytd only) | 2.0057% | 5,127 |
| Net charge-offs to loans | 1.5339% | 295 |
| Credit loss provision to net charge-offs | 76.3182% | 2,939 |
| Earnings coverage of net charge-offs (x) | 0.9533% | 4,528 |
| Efficiency ratio | 70.5991% | 3,658 |
| Assets per employee ($millions) | 3.7733% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 2,952 |
| Loan loss allowance to noncurrent loans | 50.6585% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 4.8245% | 598 |
| Noncurrent loans to loans | 3.1837% | 1,236 |
| Net loans and leases to total assets | 66.6315% | 2,537 |
| Net loans and leases to deposits | 74.7478% | 3,125 |
| Net loans and leases to core deposits | 83.1866% | 2,743 |
| Total domestic deposits to total assets | 89.1417% | 1,486 |
| Equity capital to assets | 10.4263% | 3,366 |
| Core capital (leverage) ratio | 10.1431% | 3,472 |
| Tier 1 risk-based capital ratio | 15.6455% | 3,374 |
| Total risk-based capital ratio | 16.9000% | 3,332 |
| Memoranda: | ||
| Average total assets | $277,511,500 | 2,299 |
| Average earning assets | $242,372,000 | 2,422 |
| Average equity | $27,321,000 | 2,452 |
| Average total loans | $187,929,000 | 2,125 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 2,151 |
| Cost of funding earning assets | 0.9477% | 717 |
| Net interest margin | 3.5659% | 3,496 |
| Noninterest income to average assets | 0.2326% | 5,781 |
| Noninterest expense to average assets | 2.3463% | 5,225 |
| Loan and lease loss provision to assets | 0.8334% | 251 |
| Net operating income to assets | 0.1780% | 5,960 |
| Return on assets (ROA) | 0.1780% | 6,071 |
| Pretax return on assets | 0.1780% | 6,108 |
| Return on Equity (ROE) | 1.8423% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.8423% | 5,097 |
| Net charge-offs to loans | 1.7178% | 285 |
| Credit loss provision to net charge-offs | 71.6463% | 2,787 |
| Earnings coverage of net charge-offs (x) | 0.8695% | 4,239 |
| Efficiency ratio | 69.8775% | 3,853 |
| Assets per employee ($millions) | 3.9458% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 3,204 |
| Loan loss allowance to noncurrent loans | 41.4066% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 5.1813% | 581 |
| Noncurrent loans to loans | 3.8316% | 1,052 |
| Net loans and leases to total assets | 65.8483% | 2,622 |
| Net loans and leases to deposits | 73.4433% | 3,233 |
| Net loans and leases to core deposits | 82.6746% | 2,729 |
| Total domestic deposits to total assets | 89.6587% | 1,228 |
| Equity capital to assets | 9.9097% | 4,037 |
| Core capital (leverage) ratio | 9.7587% | 3,853 |
| Tier 1 risk-based capital ratio | 15.0133% | 3,769 |
| Total risk-based capital ratio | 16.2674% | 3,733 |
| Memoranda: | ||
| Average total assets | $281,972,330 | 2,278 |
| Average earning assets | $247,115,330 | 2,378 |
| Average equity | $27,248,330 | 2,468 |
| Average total loans | $190,946,000 | 2,093 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 2,219 |
| Cost of funding earning assets | 0.9845% | 668 |
| Net interest margin | 3.5007% | 3,693 |
| Noninterest income to average assets | 0.3946% | 4,507 |
| Noninterest expense to average assets | 2.2959% | 5,438 |
| Loan and lease loss provision to assets | 1.0181% | 174 |
| Net operating income to assets | 0.1615% | 6,002 |
| Return on assets (ROA) | 0.1615% | 6,105 |
| Pretax return on assets | 0.1615% | 6,149 |
| Return on Equity (ROE) | 1.6920% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.6920% | 5,136 |
| Net charge-offs to loans | 1.8328% | 265 |
| Credit loss provision to net charge-offs | 81.5523% | 2,142 |
| Earnings coverage of net charge-offs (x) | 0.9449% | 3,520 |
| Efficiency ratio | 66.0606% | 4,649 |
| Assets per employee ($millions) | 4.0471% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 3,022 |
| Loan loss allowance to noncurrent loans | 36.6553% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 5.5581% | 614 |
| Noncurrent loans to loans | 4.6298% | 879 |
| Net loans and leases to total assets | 66.1048% | 2,354 |
| Net loans and leases to deposits | 73.4960% | 2,986 |
| Net loans and leases to core deposits | 83.9808% | 2,324 |
| Total domestic deposits to total assets | 89.9434% | 1,086 |
| Equity capital to assets | 9.6164% | 4,682 |
| Core capital (leverage) ratio | 9.5311% | 4,026 |
| Tier 1 risk-based capital ratio | 14.4404% | 4,218 |
| Total risk-based capital ratio | 15.6961% | 4,181 |
| Memoranda: | ||
| Average total assets | $284,857,000 | 2,289 |
| Average earning assets | $250,696,000 | 2,369 |
| Average equity | $27,187,000 | 2,511 |
| Average total loans | $194,015,500 | 2,076 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8718% | 1,940 |
| Cost of funding earning assets | 1.1422% | 762 |
| Net interest margin | 3.7296% | 3,523 |
| Noninterest income to average assets | -0.1273% | 6,934 |
| Noninterest expense to average assets | 2.3675% | 5,504 |
| Loan and lease loss provision to assets | 0.5120% | 1,147 |
| Net operating income to assets | 0.2436% | 5,651 |
| Return on assets (ROA) | 0.1871% | 5,984 |
| Pretax return on assets | 0.1871% | 6,009 |
| Return on Equity (ROE) | 1.9737% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.9737% | 4,834 |
| Net charge-offs to loans | 1.1660% | 880 |
| Credit loss provision to net charge-offs | 62.1459% | 4,388 |
| Earnings coverage of net charge-offs (x) | 0.9172% | 5,012 |
| Efficiency ratio | 75.8039% | 2,780 |
| Assets per employee ($millions) | 4.0917% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 2,862 |
| Loan loss allowance to noncurrent loans | 34.6385% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 5.7643% | 624 |
| Noncurrent loans to loans | 4.9649% | 811 |
| Net loans and leases to total assets | 67.7781% | 2,218 |
| Net loans and leases to deposits | 75.2175% | 2,919 |
| Net loans and leases to core deposits | 87.9283% | 2,094 |
| Total domestic deposits to total assets | 90.1095% | 896 |
| Equity capital to assets | 9.4726% | 4,907 |
| Core capital (leverage) ratio | 9.5798% | 3,995 |
| Tier 1 risk-based capital ratio | 12.7350% | 5,307 |
| Total risk-based capital ratio | 13.9895% | 5,239 |
| Memoranda: | ||
| Average total assets | $282,792,200 | 2,246 |
| Average earning assets | $246,460,000 | 2,356 |
| Average equity | $26,802,200 | 2,500 |
| Average total loans | $199,831,800 | 2,008 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 1,916 |
| Cost of funding earning assets | 1.1603% | 832 |
| Net interest margin | 3.7657% | 3,486 |
| Noninterest income to average assets | -0.0307% | 6,985 |
| Noninterest expense to average assets | 2.3773% | 5,467 |
| Loan and lease loss provision to assets | 0.5785% | 989 |
| Net operating income to assets | 0.2909% | 5,642 |
| Return on assets (ROA) | 0.2152% | 6,052 |
| Pretax return on assets | 0.2152% | 6,096 |
| Return on Equity (ROE) | 2.2704% | 5,956 |
| Retained earnings to average equity (ytd only) | 2.2704% | 5,202 |
| Net charge-offs to loans | 1.3938% | 648 |
| Credit loss provision to net charge-offs | 58.3771% | 4,194 |
| Earnings coverage of net charge-offs (x) | 0.8773% | 4,895 |
| Efficiency ratio | 73.2226% | 3,114 |
| Assets per employee ($millions) | 3.9754% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 3,141 |
| Loan loss allowance to noncurrent loans | 41.9943% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 5.8255% | 710 |
| Noncurrent loans to loans | 4.0560% | 1,251 |
| Net loans and leases to total assets | 70.6564% | 1,790 |
| Net loans and leases to deposits | 78.6762% | 2,568 |
| Net loans and leases to core deposits | 90.7752% | 1,897 |
| Total domestic deposits to total assets | 89.8065% | 943 |
| Equity capital to assets | 9.7246% | 4,891 |
| Core capital (leverage) ratio | 9.6808% | 3,996 |
| Tier 1 risk-based capital ratio | 12.5017% | 5,640 |
| Total risk-based capital ratio | 13.7555% | 5,597 |
| Memoranda: | ||
| Average total assets | $281,886,000 | 2,285 |
| Average earning assets | $245,329,500 | 2,398 |
| Average equity | $26,720,000 | 2,523 |
| Average total loans | $200,408,500 | 2,022 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 2,191 |
| Cost of funding earning assets | 1.1497% | 1,027 |
| Net interest margin | 3.7296% | 3,688 |
| Noninterest income to average assets | -0.0897% | 7,084 |
| Noninterest expense to average assets | 2.2848% | 5,780 |
| Loan and lease loss provision to assets | 0.7722% | 667 |
| Net operating income to assets | 0.1053% | 6,141 |
| Return on assets (ROA) | -0.0078% | 6,462 |
| Pretax return on assets | -0.0078% | 6,458 |
| Return on Equity (ROE) | -0.0827% | 6,468 |
| Retained earnings to average equity (ytd only) | -0.0827% | 6,057 |
| Net charge-offs to loans | 0.7271% | 1,524 |
| Credit loss provision to net charge-offs | 149.9314% | 1,853 |
| Earnings coverage of net charge-offs (x) | 1.7037% | 4,132 |
| Efficiency ratio | 72.2520% | 3,383 |
| Assets per employee ($millions) | 4.0168% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3054% | 1,583 |
| Loan loss allowance to noncurrent loans | 44.0847% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 7.0263% | 555 |
| Noncurrent loans to loans | 5.2294% | 920 |
| Net loans and leases to total assets | 69.9762% | 1,923 |
| Net loans and leases to deposits | 77.6417% | 2,728 |
| Net loans and leases to core deposits | 91.1734% | 1,852 |
| Total domestic deposits to total assets | 90.1271% | 858 |
| Equity capital to assets | 9.4586% | 5,118 |
| Core capital (leverage) ratio | 9.4628% | 4,193 |
| Tier 1 risk-based capital ratio | 12.2291% | 5,766 |
| Total risk-based capital ratio | 13.4899% | 5,745 |
| Memoranda: | ||
| Average total assets | $283,089,670 | 2,279 |
| Average earning assets | $246,838,000 | 2,384 |
| Average equity | $26,606,330 | 2,518 |
| Average total loans | $200,536,000 | 2,016 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 2,344 |
| Cost of funding earning assets | 1.2827% | 678 |
| Net interest margin | 3.5913% | 4,301 |
| Noninterest income to average assets | 0.1465% | 6,509 |
| Noninterest expense to average assets | 2.2475% | 5,905 |
| Loan and lease loss provision to assets | 0.5281% | 1,136 |
| Net operating income to assets | 0.5013% | 4,824 |
| Return on assets (ROA) | 0.5013% | 5,038 |
| Pretax return on assets | 0.5013% | 5,425 |
| Return on Equity (ROE) | 5.3510% | 4,609 |
| Retained earnings to average equity (ytd only) | 5.3510% | 3,340 |
| Net charge-offs to loans | 0.4138% | 2,064 |
| Credit loss provision to net charge-offs | 181.1594% | 1,430 |
| Earnings coverage of net charge-offs (x) | 3.5314% | 2,806 |
| Efficiency ratio | 68.5862% | 4,053 |
| Assets per employee ($millions) | 4.0114% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2131% | 1,857 |
| Loan loss allowance to noncurrent loans | 45.1243% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 6.6938% | 661 |
| Noncurrent loans to loans | 4.9044% | 1,157 |
| Net loans and leases to total assets | 69.9777% | 1,757 |
| Net loans and leases to deposits | 77.7460% | 2,559 |
| Net loans and leases to core deposits | 91.4496% | 1,708 |
| Total domestic deposits to total assets | 90.0081% | 1,082 |
| Equity capital to assets | 9.5400% | 4,739 |
| Core capital (leverage) ratio | 9.4101% | 4,185 |
| Tier 1 risk-based capital ratio | 13.4770% | 4,844 |
| Total risk-based capital ratio | 14.7393% | 4,825 |
| Memoranda: | ||
| Average total assets | $284,047,500 | 2,290 |
| Average earning assets | $247,601,000 | 2,385 |
| Average equity | $26,612,000 | 2,513 |
| Average total loans | $200,105,000 | 2,036 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0222% | 2,787 |
| Cost of funding earning assets | 1.5430% | 603 |
| Net interest margin | 3.4793% | 5,223 |
| Noninterest income to average assets | 0.0965% | 6,656 |
| Noninterest expense to average assets | 2.2502% | 6,162 |
| Loan and lease loss provision to assets | 1.3570% | 584 |
| Net operating income to assets | -0.4931% | 6,482 |
| Return on assets (ROA) | -0.4931% | 6,533 |
| Pretax return on assets | -0.4931% | 6,492 |
| Return on Equity (ROE) | -5.2227% | 6,541 |
| Retained earnings to average equity (ytd only) | -5.2227% | 6,463 |
| Net charge-offs to loans | 1.7969% | 819 |
| Credit loss provision to net charge-offs | 105.0162% | 3,260 |
| Earnings coverage of net charge-offs (x) | 0.6686% | 5,317 |
| Efficiency ratio | 72.2583% | 3,517 |
| Assets per employee ($millions) | 4.7883% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 1,898 |
| Loan loss allowance to noncurrent loans | 48.1165% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 6.5514% | 719 |
| Noncurrent loans to loans | 4.4629% | 1,340 |
| Net loans and leases to total assets | 67.8698% | 2,425 |
| Net loans and leases to deposits | 75.7200% | 3,219 |
| Net loans and leases to core deposits | 89.3842% | 2,214 |
| Total domestic deposits to total assets | 89.6327% | 1,182 |
| Equity capital to assets | 9.2016% | 5,282 |
| Core capital (leverage) ratio | 9.1771% | 4,500 |
| Tier 1 risk-based capital ratio | 13.1972% | 4,916 |
| Total risk-based capital ratio | 14.4583% | 4,887 |
| Memoranda: | ||
| Average total assets | $286,955,400 | 2,221 |
| Average earning assets | $248,873,000 | 2,315 |
| Average equity | $27,093,200 | 2,391 |
| Average total loans | $206,350,600 | 1,983 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 2,855 |
| Cost of funding earning assets | 1.5841% | 624 |
| Net interest margin | 3.4625% | 5,349 |
| Noninterest income to average assets | 0.3291% | 5,233 |
| Noninterest expense to average assets | 2.2439% | 6,181 |
| Loan and lease loss provision to assets | 1.6239% | 399 |
| Net operating income to assets | -0.5368% | 6,653 |
| Return on assets (ROA) | -0.5368% | 6,700 |
| Pretax return on assets | -0.5368% | 6,643 |
| Return on Equity (ROE) | -5.6497% | 6,704 |
| Retained earnings to average equity (ytd only) | -5.6497% | 6,628 |
| Net charge-offs to loans | 1.9046% | 685 |
| Credit loss provision to net charge-offs | 117.5244% | 2,778 |
| Earnings coverage of net charge-offs (x) | 0.7867% | 5,026 |
| Efficiency ratio | 67.3643% | 4,449 |
| Assets per employee ($millions) | 4.7768% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2190% | 1,822 |
| Loan loss allowance to noncurrent loans | 63.1882% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 6.0861% | 874 |
| Noncurrent loans to loans | 3.5117% | 1,960 |
| Net loans and leases to total assets | 70.9406% | 1,911 |
| Net loans and leases to deposits | 79.3017% | 2,759 |
| Net loans and leases to core deposits | 95.9912% | 1,608 |
| Total domestic deposits to total assets | 89.4566% | 1,164 |
| Equity capital to assets | 9.3156% | 5,355 |
| Core capital (leverage) ratio | 9.3014% | 4,456 |
| Tier 1 risk-based capital ratio | 12.9218% | 5,156 |
| Total risk-based capital ratio | 14.1841% | 5,129 |
| Memoranda: | ||
| Average total assets | $286,870,000 | 2,225 |
| Average earning assets | $248,712,250 | 2,330 |
| Average equity | $27,257,500 | 2,377 |
| Average total loans | $208,121,500 | 1,997 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 3,093 |
| Cost of funding earning assets | 1.5924% | 714 |
| Net interest margin | 3.4211% | 5,474 |
| Noninterest income to average assets | 0.2718% | 5,698 |
| Noninterest expense to average assets | 2.2366% | 6,285 |
| Loan and lease loss provision to assets | 1.5995% | 436 |
| Net operating income to assets | -0.5875% | 6,751 |
| Return on assets (ROA) | -0.5875% | 6,767 |
| Pretax return on assets | -0.5875% | 6,702 |
| Return on Equity (ROE) | -6.1435% | 6,789 |
| Retained earnings to average equity (ytd only) | -6.1435% | 6,667 |
| Net charge-offs to loans | 1.0702% | 1,470 |
| Credit loss provision to net charge-offs | 206.0144% | 1,461 |
| Earnings coverage of net charge-offs (x) | 1.3034% | 4,305 |
| Efficiency ratio | 68.8479% | 4,358 |
| Assets per employee ($millions) | 4.5047% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5345% | 1,391 |
| Loan loss allowance to noncurrent loans | 84.4921% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 5.8050% | 982 |
| Noncurrent loans to loans | 2.9997% | 2,419 |
| Net loans and leases to total assets | 70.3465% | 2,148 |
| Net loans and leases to deposits | 80.2792% | 2,744 |
| Net loans and leases to core deposits | 95.2115% | 1,763 |
| Total domestic deposits to total assets | 87.6273% | 2,381 |
| Equity capital to assets | 9.3679% | 5,045 |
| Core capital (leverage) ratio | 9.4100% | 4,093 |
| Tier 1 risk-based capital ratio | 12.9623% | 4,941 |
| Total risk-based capital ratio | 14.2280% | 4,915 |
| Memoranda: | ||
| Average total assets | $286,958,000 | 2,230 |
| Average earning assets | $249,687,670 | 2,331 |
| Average equity | $27,443,670 | 2,353 |
| Average total loans | $208,184,000 | 2,016 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 3,933 |
| Cost of funding earning assets | 1.5898% | 848 |
| Net interest margin | 3.2352% | 5,967 |
| Noninterest income to average assets | 0.1509% | 6,645 |
| Noninterest expense to average assets | 2.2383% | 6,332 |
| Loan and lease loss provision to assets | 1.2980% | 527 |
| Net operating income to assets | -0.5421% | 6,827 |
| Return on assets (ROA) | -0.5421% | 6,831 |
| Pretax return on assets | -0.5421% | 6,776 |
| Return on Equity (ROE) | -5.6107% | 6,843 |
| Retained earnings to average equity (ytd only) | -5.6107% | 6,565 |
| Net charge-offs to loans | 1.1257% | 1,232 |
| Credit loss provision to net charge-offs | 158.5324% | 1,812 |
| Earnings coverage of net charge-offs (x) | 0.9232% | 3,960 |
| Efficiency ratio | 74.7550% | 3,378 |
| Assets per employee ($millions) | 4.6428% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1541% | 2,067 |
| Loan loss allowance to noncurrent loans | 74.3049% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 5.5962% | 1,065 |
| Noncurrent loans to loans | 2.8990% | 2,594 |
| Net loans and leases to total assets | 71.1488% | 1,893 |
| Net loans and leases to deposits | 81.5234% | 2,441 |
| Net loans and leases to core deposits | 96.0548% | 1,671 |
| Total domestic deposits to total assets | 87.2740% | 2,783 |
| Equity capital to assets | 9.6964% | 4,184 |
| Core capital (leverage) ratio | 9.6414% | 3,609 |
| Tier 1 risk-based capital ratio | 13.4094% | 4,494 |
| Total risk-based capital ratio | 14.6709% | 4,464 |
| Memoranda: | ||
| Average total assets | $286,285,500 | 2,259 |
| Average earning assets | $251,604,000 | 2,332 |
| Average equity | $27,661,500 | 2,326 |
| Average total loans | $208,233,500 | 2,029 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 3,783 |
| Cost of funding earning assets | 1.8536% | 987 |
| Net interest margin | 3.3095% | 5,950 |
| Noninterest income to average assets | 0.3892% | 4,984 |
| Noninterest expense to average assets | 2.2091% | 6,590 |
| Loan and lease loss provision to assets | 1.1023% | 1,448 |
| Net operating income to assets | 0.0073% | 5,820 |
| Return on assets (ROA) | 0.0059% | 5,954 |
| Pretax return on assets | 0.0059% | 5,886 |
| Return on Equity (ROE) | 0.0611% | 5,953 |
| Retained earnings to average equity (ytd only) | -0.1186% | 5,626 |
| Net charge-offs to loans | 1.3676% | 1,636 |
| Credit loss provision to net charge-offs | 110.3580% | 3,989 |
| Earnings coverage of net charge-offs (x) | 1.1109% | 5,001 |
| Efficiency ratio | 66.5655% | 4,852 |
| Assets per employee ($millions) | 4.3189% | 3,167 |
| Cash dividends to net income (ytd only)* | 294.1176% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9441% | 2,430 |
| Loan loss allowance to noncurrent loans | 54.8219% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 5.3030% | 1,177 |
| Noncurrent loans to loans | 3.5463% | 2,127 |
| Net loans and leases to total assets | 71.3426% | 2,227 |
| Net loans and leases to deposits | 83.6178% | 2,508 |
| Net loans and leases to core deposits | 99.6135% | 1,648 |
| Total domestic deposits to total assets | 85.3198% | 3,709 |
| Equity capital to assets | 9.6287% | 4,240 |
| Core capital (leverage) ratio | 9.6481% | 3,487 |
| Tier 1 risk-based capital ratio | 13.4979% | 4,203 |
| Total risk-based capital ratio | 14.7569% | 4,170 |
| Memoranda: | ||
| Average total assets | $288,041,600 | 2,225 |
| Average earning assets | $254,962,600 | 2,299 |
| Average equity | $27,817,600 | 2,325 |
| Average total loans | $210,361,200 | 2,068 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 3,835 |
| Cost of funding earning assets | 1.8932% | 1,052 |
| Net interest margin | 3.3060% | 5,998 |
| Noninterest income to average assets | 0.3610% | 5,274 |
| Noninterest expense to average assets | 2.1563% | 6,722 |
| Loan and lease loss provision to assets | 1.0682% | 1,372 |
| Net operating income to assets | 0.0579% | 5,867 |
| Return on assets (ROA) | 0.0561% | 6,006 |
| Pretax return on assets | 0.0561% | 5,991 |
| Return on Equity (ROE) | 0.5802% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.3404% | 5,652 |
| Net charge-offs to loans | 1.1164% | 1,823 |
| Credit loss provision to net charge-offs | 130.8915% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.3799% | 4,699 |
| Efficiency ratio | 65.6925% | 4,925 |
| Assets per employee ($millions) | 4.6910% | 2,607 |
| Cash dividends to net income (ytd only)* | 41.3252% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0801% | 2,047 |
| Loan loss allowance to noncurrent loans | 59.5607% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 5.1724% | 1,222 |
| Noncurrent loans to loans | 3.4923% | 2,271 |
| Net loans and leases to total assets | 71.3815% | 2,387 |
| Net loans and leases to deposits | 83.8290% | 2,733 |
| Net loans and leases to core deposits | 103.1153% | 1,559 |
| Total domestic deposits to total assets | 85.1514% | 3,547 |
| Equity capital to assets | 9.7255% | 4,508 |
| Core capital (leverage) ratio | 9.8714% | 3,401 |
| Tier 1 risk-based capital ratio | 13.5310% | 4,180 |
| Total risk-based capital ratio | 14.7913% | 4,122 |
| Memoranda: | ||
| Average total assets | $287,711,250 | 2,260 |
| Average earning assets | $254,237,500 | 2,336 |
| Average equity | $27,806,500 | 2,353 |
| Average total loans | $210,318,500 | 2,097 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1614% | 4,134 |
| Cost of funding earning assets | 1.9341% | 1,093 |
| Net interest margin | 3.2274% | 6,229 |
| Noninterest income to average assets | 0.3442% | 5,393 |
| Noninterest expense to average assets | 2.1629% | 6,739 |
| Loan and lease loss provision to assets | 0.9714% | 1,498 |
| Net operating income to assets | 0.0618% | 5,966 |
| Return on assets (ROA) | 0.0625% | 6,063 |
| Pretax return on assets | 0.0625% | 6,051 |
| Return on Equity (ROE) | 0.6475% | 6,045 |
| Retained earnings to average equity (ytd only) | 0.2878% | 5,641 |
| Net charge-offs to loans | 1.3685% | 1,392 |
| Credit loss provision to net charge-offs | 97.0201% | 4,212 |
| Earnings coverage of net charge-offs (x) | 1.0319% | 4,756 |
| Efficiency ratio | 67.6726% | 4,639 |
| Assets per employee ($millions) | 4.6310% | 2,681 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 2,751 |
| Loan loss allowance to noncurrent loans | 48.8542% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 5.2551% | 1,197 |
| Noncurrent loans to loans | 3.6617% | 2,144 |
| Net loans and leases to total assets | 72.9183% | 2,186 |
| Net loans and leases to deposits | 85.8769% | 2,521 |
| Net loans and leases to core deposits | 103.2527% | 1,707 |
| Total domestic deposits to total assets | 84.9103% | 3,680 |
| Equity capital to assets | 9.8450% | 4,209 |
| Core capital (leverage) ratio | 9.7738% | 3,442 |
| Tier 1 risk-based capital ratio | 13.3806% | 4,149 |
| Total risk-based capital ratio | 14.6375% | 4,112 |
| Memoranda: | ||
| Average total assets | $288,230,330 | 2,274 |
| Average earning assets | $254,696,000 | 2,354 |
| Average equity | $27,798,670 | 2,347 |
| Average total loans | $210,891,330 | 2,112 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1591% | 4,247 |
| Cost of funding earning assets | 1.9901% | 1,124 |
| Net interest margin | 3.1690% | 6,386 |
| Noninterest income to average assets | 0.2377% | 6,253 |
| Noninterest expense to average assets | 2.2398% | 6,581 |
| Loan and lease loss provision to assets | 0.7214% | 1,766 |
| Net operating income to assets | 0.0728% | 6,102 |
| Return on assets (ROA) | 0.0852% | 6,167 |
| Pretax return on assets | 0.0852% | 6,175 |
| Return on Equity (ROE) | 0.8923% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.1727% | 5,749 |
| Net charge-offs to loans | 1.2503% | 1,360 |
| Credit loss provision to net charge-offs | 79.4251% | 3,891 |
| Earnings coverage of net charge-offs (x) | 0.8744% | 4,263 |
| Efficiency ratio | 73.8225% | 3,600 |
| Assets per employee ($millions) | 4.7157% | 2,624 |
| Cash dividends to net income (ytd only)* | 80.6452% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 2,891 |
| Loan loss allowance to noncurrent loans | 57.5767% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 4.9730% | 1,298 |
| Noncurrent loans to loans | 3.0429% | 2,634 |
| Net loans and leases to total assets | 71.3307% | 2,609 |
| Net loans and leases to deposits | 83.6856% | 2,992 |
| Net loans and leases to core deposits | 106.7615% | 1,508 |
| Total domestic deposits to total assets | 85.2365% | 3,547 |
| Equity capital to assets | 9.6591% | 4,290 |
| Core capital (leverage) ratio | 9.6018% | 3,640 |
| Tier 1 risk-based capital ratio | 13.2848% | 4,138 |
| Total risk-based capital ratio | 14.5407% | 4,078 |
| Memoranda: | ||
| Average total assets | $291,100,500 | 2,308 |
| Average earning assets | $256,866,500 | 2,381 |
| Average equity | $27,792,500 | 2,385 |
| Average total loans | $211,467,500 | 2,165 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3787% | 4,797 |
| Cost of funding earning assets | 2.5296% | 949 |
| Net interest margin | 2.8492% | 6,974 |
| Noninterest income to average assets | 0.4885% | 4,501 |
| Noninterest expense to average assets | 2.2910% | 6,772 |
| Loan and lease loss provision to assets | 0.6906% | 3,064 |
| Net operating income to assets | 0.0501% | 5,338 |
| Return on assets (ROA) | 0.0501% | 5,396 |
| Pretax return on assets | 0.0501% | 5,331 |
| Return on Equity (ROE) | 0.5097% | 5,387 |
| Retained earnings to average equity (ytd only) | -0.2903% | 5,017 |
| Net charge-offs to loans | 0.6582% | 3,212 |
| Credit loss provision to net charge-offs | 139.4940% | 3,507 |
| Earnings coverage of net charge-offs (x) | 1.4961% | 4,631 |
| Efficiency ratio | 75.5681% | 3,602 |
| Assets per employee ($millions) | 5.0784% | 2,115 |
| Cash dividends to net income (ytd only)* | 156.9444% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7726% | 2,629 |
| Loan loss allowance to noncurrent loans | 38.8872% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 5.9108% | 958 |
| Noncurrent loans to loans | 4.5584% | 1,549 |
| Net loans and leases to total assets | 71.3962% | 2,912 |
| Net loans and leases to deposits | 86.1832% | 2,880 |
| Net loans and leases to core deposits | 149.4627% | 521 |
| Total domestic deposits to total assets | 82.8424% | 4,587 |
| Equity capital to assets | 9.4383% | 4,503 |
| Core capital (leverage) ratio | 9.6458% | 3,525 |
| Tier 1 risk-based capital ratio | 12.9453% | 4,176 |
| Total risk-based capital ratio | 14.2019% | 4,124 |
| Memoranda: | ||
| Average total assets | $287,426,600 | 2,293 |
| Average earning assets | $256,566,400 | 2,354 |
| Average equity | $28,251,000 | 2,354 |
| Average total loans | $216,202,400 | 2,141 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 4,855 |
| Cost of funding earning assets | 2.6114% | 1,004 |
| Net interest margin | 2.8074% | 7,047 |
| Noninterest income to average assets | 0.4467% | 4,922 |
| Noninterest expense to average assets | 2.1989% | 6,979 |
| Loan and lease loss provision to assets | 0.3898% | 3,977 |
| Net operating income to assets | 0.3711% | 4,516 |
| Return on assets (ROA) | 0.3711% | 4,619 |
| Pretax return on assets | 0.3711% | 4,874 |
| Return on Equity (ROE) | 3.7371% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.6747% | 3,832 |
| Net charge-offs to loans | 0.4140% | 3,605 |
| Credit loss provision to net charge-offs | 124.0713% | 4,064 |
| Earnings coverage of net charge-offs (x) | 2.4220% | 4,022 |
| Efficiency ratio | 74.2943% | 3,820 |
| Assets per employee ($millions) | 4.2978% | 3,212 |
| Cash dividends to net income (ytd only)* | 28.4282% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 3,073 |
| Loan loss allowance to noncurrent loans | 30.3912% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 6.0486% | 885 |
| Noncurrent loans to loans | 5.2001% | 1,238 |
| Net loans and leases to total assets | 74.5373% | 2,366 |
| Net loans and leases to deposits | 91.1068% | 2,375 |
| Net loans and leases to core deposits | 164.5316% | 324 |
| Total domestic deposits to total assets | 81.8131% | 4,760 |
| Equity capital to assets | 10.0386% | 4,041 |
| Core capital (leverage) ratio | 10.0632% | 3,215 |
| Tier 1 risk-based capital ratio | 12.3112% | 4,695 |
| Total risk-based capital ratio | 13.5641% | 4,637 |
| Memoranda: | ||
| Average total assets | $285,647,000 | 2,320 |
| Average earning assets | $255,694,500 | 2,379 |
| Average equity | $28,363,750 | 2,368 |
| Average total loans | $216,730,750 | 2,156 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5265% | 4,467 |
| Cost of funding earning assets | 2.6709% | 1,107 |
| Net interest margin | 2.8556% | 6,896 |
| Noninterest income to average assets | 0.4226% | 5,101 |
| Noninterest expense to average assets | 2.1627% | 7,142 |
| Loan and lease loss provision to assets | 0.3737% | 3,689 |
| Net operating income to assets | 0.4450% | 4,314 |
| Return on assets (ROA) | 0.4450% | 4,419 |
| Pretax return on assets | 0.4450% | 4,814 |
| Return on Equity (ROE) | 4.4975% | 4,306 |
| Retained earnings to average equity (ytd only) | 3.6079% | 3,290 |
| Net charge-offs to loans | 0.1684% | 4,539 |
| Credit loss provision to net charge-offs | 292.3497% | 1,598 |
| Earnings coverage of net charge-offs (x) | 6.4044% | 2,623 |
| Efficiency ratio | 72.5398% | 4,297 |
| Assets per employee ($millions) | 4.3301% | 3,057 |
| Cash dividends to net income (ytd only)* | 19.7802% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 2,506 |
| Loan loss allowance to noncurrent loans | 45.2081% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 3.7514% | 1,632 |
| Noncurrent loans to loans | 3.6617% | 1,900 |
| Net loans and leases to total assets | 74.5249% | 2,567 |
| Net loans and leases to deposits | 92.4939% | 2,372 |
| Net loans and leases to core deposits | 160.8096% | 439 |
| Total domestic deposits to total assets | 80.5728% | 5,241 |
| Equity capital to assets | 9.9211% | 4,058 |
| Core capital (leverage) ratio | 9.8428% | 3,459 |
| Tier 1 risk-based capital ratio | 12.1447% | 4,804 |
| Total risk-based capital ratio | 13.3984% | 4,709 |
| Memoranda: | ||
| Average total assets | $286,311,330 | 2,342 |
| Average earning assets | $256,545,670 | 2,387 |
| Average equity | $28,326,670 | 2,386 |
| Average total loans | $217,366,670 | 2,178 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6254% | 4,209 |
| Cost of funding earning assets | 2.6895% | 1,300 |
| Net interest margin | 2.9359% | 6,655 |
| Noninterest income to average assets | 0.4201% | 5,051 |
| Noninterest expense to average assets | 2.1258% | 7,062 |
| Loan and lease loss provision to assets | 0.1884% | 4,555 |
| Net operating income to assets | 0.7509% | 3,347 |
| Return on assets (ROA) | 0.7509% | 3,521 |
| Pretax return on assets | 0.7509% | 4,253 |
| Return on Equity (ROE) | 7.6006% | 3,330 |
| Retained earnings to average equity (ytd only) | 5.8205% | 2,712 |
| Net charge-offs to loans | 0.1469% | 3,793 |
| Credit loss provision to net charge-offs | 168.7500% | 2,540 |
| Earnings coverage of net charge-offs (x) | 8.4125% | 2,194 |
| Efficiency ratio | 69.3534% | 4,707 |
| Assets per employee ($millions) | 4.3525% | 2,973 |
| Cash dividends to net income (ytd only)* | 23.4201% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 2,934 |
| Loan loss allowance to noncurrent loans | 58.5470% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.9550% | 2,970 |
| Noncurrent loans to loans | 2.5769% | 2,559 |
| Net loans and leases to total assets | 74.7234% | 2,570 |
| Net loans and leases to deposits | 92.5951% | 2,498 |
| Net loans and leases to core deposits | 159.5938% | 496 |
| Total domestic deposits to total assets | 80.6992% | 5,090 |
| Equity capital to assets | 9.9394% | 4,066 |
| Core capital (leverage) ratio | 9.8728% | 3,556 |
| Tier 1 risk-based capital ratio | 12.1403% | 4,832 |
| Total risk-based capital ratio | 13.3924% | 4,727 |
| Memoranda: | ||
| Average total assets | $286,574,500 | 2,355 |
| Average earning assets | $258,187,000 | 2,383 |
| Average equity | $28,313,500 | 2,395 |
| Average total loans | $217,767,000 | 2,194 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6753% | 2,128 |
| Cost of funding earning assets | 3.2239% | 1,115 |
| Net interest margin | 3.4515% | 5,463 |
| Noninterest income to average assets | 0.5152% | 4,511 |
| Noninterest expense to average assets | 2.1577% | 7,097 |
| Loan and lease loss provision to assets | 0.4414% | 3,082 |
| Net operating income to assets | 1.0785% | 2,230 |
| Return on assets (ROA) | 1.0785% | 2,148 |
| Pretax return on assets | 1.0785% | 3,104 |
| Return on Equity (ROE) | 11.1809% | 1,851 |
| Retained earnings to average equity (ytd only) | 7.1914% | 1,092 |
| Net charge-offs to loans | 0.2860% | 3,494 |
| Credit loss provision to net charge-offs | 206.0201% | 2,354 |
| Earnings coverage of net charge-offs (x) | 7.0936% | 3,190 |
| Efficiency ratio | 58.6711% | 6,576 |
| Assets per employee ($millions) | 4.4670% | 2,668 |
| Cash dividends to net income (ytd only)* | 35.6811% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 2,767 |
| Loan loss allowance to noncurrent loans | 71.7010% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.5772% | 3,083 |
| Noncurrent loans to loans | 2.0722% | 2,664 |
| Net loans and leases to total assets | 74.9810% | 2,883 |
| Net loans and leases to deposits | 92.8649% | 2,982 |
| Net loans and leases to core deposits | 151.2706% | 809 |
| Total domestic deposits to total assets | 80.7420% | 4,753 |
| Equity capital to assets | 9.8203% | 4,263 |
| Core capital (leverage) ratio | 9.7643% | 3,692 |
| Tier 1 risk-based capital ratio | 12.5813% | 4,389 |
| Total risk-based capital ratio | 13.8338% | 4,286 |
| Memoranda: | ||
| Average total assets | $279,098,600 | 2,319 |
| Average earning assets | $255,717,200 | 2,319 |
| Average equity | $26,921,000 | 2,485 |
| Average total loans | $209,072,400 | 2,213 |