Home > The Citizens Bank of Fayette > Performance and Condition Ratios
The Citizens Bank of Fayette, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6340% | 4,380 |
| Cost of funding earning assets | 0.3117% | 2,277 |
| Net interest margin | 2.3222% | 4,395 |
| Noninterest income to average assets | 1.3745% | 579 |
| Noninterest expense to average assets | 2.0547% | 3,516 |
| Loan and lease loss provision to assets | -0.2154% | 4,719 |
| Net operating income to assets | 1.4033% | 1,267 |
| Return on assets (ROA) | 1.2367% | 1,849 |
| Pretax return on assets | 1.5341% | 1,611 |
| Return on Equity (ROE) | 6.7571% | 3,585 |
| Retained earnings to average equity (ytd only) | -37.4589% | 4,824 |
| Net charge-offs to loans | -1.8952% | 4,801 |
| Credit loss provision to net charge-offs | 81.3708% | 1,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4103% | 3,532 |
| Assets per employee ($millions) | 10.3418% | 606 |
| Cash dividends to net income (ytd only)* | 654.3642% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8562% | 173 |
| Loan loss allowance to noncurrent loans | 213.3333% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 2,668 |
| Noncurrent loans to loans | 1.3389% | 701 |
| Net loans and leases to total assets | 13.1549% | 4,767 |
| Net loans and leases to deposits | 14.4913% | 4,771 |
| Net loans and leases to core deposits | 16.2124% | 4,761 |
| Total domestic deposits to total assets | 90.7782% | 588 |
| Equity capital to assets | 8.3743% | 4,130 |
| Core capital (leverage) ratio | 7.1155% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,921,000 | 2,948 |
| Average earning assets | $204,027,200 | 2,925 |
| Average equity | $39,336,400 | 2,103 |
| Average total loans | $30,022,800 | 4,373 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6875% | 4,418 |
| Cost of funding earning assets | 0.3226% | 2,379 |
| Net interest margin | 2.3649% | 4,433 |
| Noninterest income to average assets | 0.2004% | 4,201 |
| Noninterest expense to average assets | 1.4455% | 4,648 |
| Loan and lease loss provision to assets | -0.2641% | 4,810 |
| Net operating income to assets | 1.1922% | 2,194 |
| Return on assets (ROA) | 0.9969% | 2,986 |
| Pretax return on assets | 1.0411% | 3,345 |
| Return on Equity (ROE) | 4.8229% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.8229% | 3,284 |
| Net charge-offs to loans | -2.3586% | 4,873 |
| Credit loss provision to net charge-offs | 79.6296% | 1,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5896% | 3,048 |
| Assets per employee ($millions) | 10.5699% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7280% | 209 |
| Loan loss allowance to noncurrent loans | 252.0376% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 2,576 |
| Noncurrent loans to loans | 1.0824% | 1,043 |
| Net loans and leases to total assets | 12.9154% | 4,843 |
| Net loans and leases to deposits | 16.4802% | 4,838 |
| Net loans and leases to core deposits | 18.7755% | 4,825 |
| Total domestic deposits to total assets | 78.3693% | 4,385 |
| Equity capital to assets | 20.5720% | 171 |
| Core capital (leverage) ratio | 19.0869% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,942,500 | 2,958 |
| Average earning assets | $204,151,250 | 2,950 |
| Average equity | $44,840,250 | 1,952 |
| Average total loans | $30,526,250 | 4,425 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7268% | 4,428 |
| Cost of funding earning assets | 0.3302% | 2,486 |
| Net interest margin | 2.3965% | 4,428 |
| Noninterest income to average assets | 0.1719% | 4,349 |
| Noninterest expense to average assets | 1.4828% | 4,637 |
| Loan and lease loss provision to assets | -0.3995% | 4,879 |
| Net operating income to assets | 1.2946% | 1,883 |
| Return on assets (ROA) | 1.0582% | 2,764 |
| Pretax return on assets | 1.1010% | 3,212 |
| Return on Equity (ROE) | 5.1115% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.1115% | 3,141 |
| Net charge-offs to loans | -3.3163% | 4,911 |
| Credit loss provision to net charge-offs | 83.9844% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0092% | 2,869 |
| Assets per employee ($millions) | 10.5314% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6493% | 227 |
| Loan loss allowance to noncurrent loans | 205.8355% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 2,360 |
| Noncurrent loans to loans | 1.2871% | 914 |
| Net loans and leases to total assets | 12.8934% | 4,881 |
| Net loans and leases to deposits | 16.3851% | 4,874 |
| Net loans and leases to core deposits | 18.7758% | 4,863 |
| Total domestic deposits to total assets | 78.6896% | 4,369 |
| Equity capital to assets | 20.2880% | 177 |
| Core capital (leverage) ratio | 19.1737% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,267,667 | 2,971 |
| Average earning assets | $202,877,333 | 2,958 |
| Average equity | $44,566,000 | 1,948 |
| Average total loans | $30,877,667 | 4,454 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8755% | 4,288 |
| Cost of funding earning assets | 0.3362% | 2,657 |
| Net interest margin | 2.5393% | 4,245 |
| Noninterest income to average assets | 0.1922% | 4,235 |
| Noninterest expense to average assets | 1.5260% | 4,624 |
| Loan and lease loss provision to assets | -0.8101% | 4,952 |
| Net operating income to assets | 1.8530% | 714 |
| Return on assets (ROA) | 1.5919% | 1,192 |
| Pretax return on assets | 1.6032% | 1,717 |
| Return on Equity (ROE) | 7.6101% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.6101% | 2,377 |
| Net charge-offs to loans | -5.1277% | 4,936 |
| Credit loss provision to net charge-offs | 105.9113% | 1,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0810% | 3,149 |
| Assets per employee ($millions) | 9.3384% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2304% | 406 |
| Loan loss allowance to noncurrent loans | 115.1203% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 2,122 |
| Noncurrent loans to loans | 1.9375% | 571 |
| Net loans and leases to total assets | 13.6737% | 4,904 |
| Net loans and leases to deposits | 17.4023% | 4,894 |
| Net loans and leases to core deposits | 20.1730% | 4,886 |
| Total domestic deposits to total assets | 78.5743% | 4,373 |
| Equity capital to assets | 20.4042% | 170 |
| Core capital (leverage) ratio | 19.5680% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,321,500 | 2,992 |
| Average earning assets | $199,896,000 | 2,975 |
| Average equity | $44,414,500 | 1,936 |
| Average total loans | $31,671,000 | 4,458 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1965% | 4,456 |
| Cost of funding earning assets | 0.6001% | 2,308 |
| Net interest margin | 2.5964% | 4,502 |
| Noninterest income to average assets | 0.8800% | 1,315 |
| Noninterest expense to average assets | 1.5628% | 4,729 |
| Loan and lease loss provision to assets | 0.0844% | 3,325 |
| Net operating income to assets | 1.5502% | 713 |
| Return on assets (ROA) | 1.4625% | 974 |
| Pretax return on assets | 1.5588% | 1,169 |
| Return on Equity (ROE) | 6.9087% | 3,243 |
| Retained earnings to average equity (ytd only) | 4.3282% | 2,637 |
| Net charge-offs to loans | -0.0220% | 4,450 |
| Credit loss provision to net charge-offs | -2,125.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3660% | 4,659 |
| Assets per employee ($millions) | 8.7441% | 817 |
| Cash dividends to net income (ytd only)* | 37.3514% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0839% | 500 |
| Loan loss allowance to noncurrent loans | 123.9286% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 2,629 |
| Noncurrent loans to loans | 1.6815% | 769 |
| Net loans and leases to total assets | 15.5385% | 4,912 |
| Net loans and leases to deposits | 20.1912% | 4,904 |
| Net loans and leases to core deposits | 23.4477% | 4,889 |
| Total domestic deposits to total assets | 76.9569% | 4,418 |
| Equity capital to assets | 21.4449% | 150 |
| Core capital (leverage) ratio | 19.3926% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,374,000 | 2,931 |
| Average earning assets | $187,642,400 | 2,931 |
| Average equity | $42,627,600 | 1,919 |
| Average total loans | $36,417,000 | 4,383 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3140% | 4,457 |
| Cost of funding earning assets | 0.6375% | 2,393 |
| Net interest margin | 2.6766% | 4,492 |
| Noninterest income to average assets | 1.0345% | 973 |
| Noninterest expense to average assets | 1.5444% | 4,774 |
| Loan and lease loss provision to assets | 0.1139% | 2,899 |
| Net operating income to assets | 1.8087% | 438 |
| Return on assets (ROA) | 1.7639% | 554 |
| Pretax return on assets | 1.8167% | 754 |
| Return on Equity (ROE) | 8.3614% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.3614% | 1,188 |
| Net charge-offs to loans | 0.6631% | 215 |
| Credit loss provision to net charge-offs | 91.8919% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.9676% | 2,079 |
| Efficiency ratio | 43.8616% | 4,793 |
| Assets per employee ($millions) | 9.5111% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,636 |
| Loan loss allowance to noncurrent loans | 30.1082% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 1,325 |
| Noncurrent loans to loans | 4.7296% | 121 |
| Net loans and leases to total assets | 16.5749% | 4,950 |
| Net loans and leases to deposits | 21.5089% | 4,944 |
| Net loans and leases to core deposits | 25.6028% | 4,922 |
| Total domestic deposits to total assets | 77.0608% | 4,316 |
| Equity capital to assets | 21.7822% | 152 |
| Core capital (leverage) ratio | 19.7921% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,252,750 | 2,927 |
| Average earning assets | $185,106,500 | 2,934 |
| Average equity | $42,033,500 | 1,931 |
| Average total loans | $37,195,500 | 4,396 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4675% | 4,456 |
| Cost of funding earning assets | 0.6796% | 2,500 |
| Net interest margin | 2.7879% | 4,469 |
| Noninterest income to average assets | 1.4873% | 477 |
| Noninterest expense to average assets | 1.5986% | 4,777 |
| Loan and lease loss provision to assets | 0.1378% | 2,643 |
| Net operating income to assets | 2.2910% | 195 |
| Return on assets (ROA) | 2.3550% | 190 |
| Pretax return on assets | 2.3999% | 251 |
| Return on Equity (ROE) | 11.2944% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.2944% | 568 |
| Net charge-offs to loans | 0.7659% | 203 |
| Credit loss provision to net charge-offs | 93.1034% | 2,449 |
| Earnings coverage of net charge-offs (x) | 16.7034% | 1,848 |
| Efficiency ratio | 39.2678% | 4,931 |
| Assets per employee ($millions) | 9.0655% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 1,649 |
| Loan loss allowance to noncurrent loans | 55.4825% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 2,550 |
| Noncurrent loans to loans | 2.4904% | 473 |
| Net loans and leases to total assets | 17.3204% | 4,976 |
| Net loans and leases to deposits | 22.3362% | 4,974 |
| Net loans and leases to core deposits | 26.4837% | 4,951 |
| Total domestic deposits to total assets | 77.5441% | 4,248 |
| Equity capital to assets | 21.3394% | 167 |
| Core capital (leverage) ratio | 20.6722% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,922,333 | 2,938 |
| Average earning assets | $181,572,667 | 2,940 |
| Average equity | $40,852,000 | 1,962 |
| Average total loans | $37,866,333 | 4,390 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5542% | 4,581 |
| Cost of funding earning assets | 0.7534% | 2,651 |
| Net interest margin | 2.8008% | 4,565 |
| Noninterest income to average assets | 0.2299% | 4,171 |
| Noninterest expense to average assets | 1.6242% | 4,837 |
| Loan and lease loss provision to assets | 0.2320% | 1,337 |
| Net operating income to assets | 0.9148% | 2,467 |
| Return on assets (ROA) | 1.0505% | 2,104 |
| Pretax return on assets | 1.0948% | 2,542 |
| Return on Equity (ROE) | 5.1036% | 3,594 |
| Retained earnings to average equity (ytd only) | 5.1036% | 2,227 |
| Net charge-offs to loans | 1.2887% | 112 |
| Credit loss provision to net charge-offs | 88.7097% | 1,899 |
| Earnings coverage of net charge-offs (x) | 4.5323% | 2,131 |
| Efficiency ratio | 57.8078% | 4,029 |
| Assets per employee ($millions) | 7.8677% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 2,013 |
| Loan loss allowance to noncurrent loans | 41.8682% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 2,060 |
| Noncurrent loans to loans | 3.1689% | 322 |
| Net loans and leases to total assets | 19.7719% | 5,010 |
| Net loans and leases to deposits | 25.3244% | 5,007 |
| Net loans and leases to core deposits | 30.1163% | 4,986 |
| Total domestic deposits to total assets | 78.0743% | 4,209 |
| Equity capital to assets | 20.0764% | 242 |
| Core capital (leverage) ratio | 20.6641% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,630,500 | 2,959 |
| Average earning assets | $174,667,000 | 2,969 |
| Average equity | $39,031,000 | 2,024 |
| Average total loans | $38,489,500 | 4,403 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 4,721 |
| Cost of funding earning assets | 0.7274% | 3,029 |
| Net interest margin | 2.9322% | 4,618 |
| Noninterest income to average assets | 0.2731% | 4,042 |
| Noninterest expense to average assets | 1.8082% | 4,762 |
| Loan and lease loss provision to assets | 0.0488% | 3,049 |
| Net operating income to assets | 1.0644% | 2,603 |
| Return on assets (ROA) | 0.9073% | 3,271 |
| Pretax return on assets | 0.9523% | 3,598 |
| Return on Equity (ROE) | 4.3701% | 4,383 |
| Retained earnings to average equity (ytd only) | 1.5606% | 4,180 |
| Net charge-offs to loans | 0.6669% | 258 |
| Credit loss provision to net charge-offs | 33.3333% | 3,250 |
| Earnings coverage of net charge-offs (x) | 7.9710% | 2,821 |
| Efficiency ratio | 60.7843% | 3,568 |
| Assets per employee ($millions) | 7.6175% | 823 |
| Cash dividends to net income (ytd only)* | 64.2899% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 1,844 |
| Loan loss allowance to noncurrent loans | 39.8764% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 1,868 |
| Noncurrent loans to loans | 3.3058% | 256 |
| Net loans and leases to total assets | 20.2833% | 5,072 |
| Net loans and leases to deposits | 26.5649% | 5,061 |
| Net loans and leases to core deposits | 31.6014% | 5,036 |
| Total domestic deposits to total assets | 76.3539% | 4,563 |
| Equity capital to assets | 21.0847% | 211 |
| Core capital (leverage) ratio | 20.4207% | 224 |
| Tier 1 risk-based capital ratio | 45.0385% | 174 |
| Total risk-based capital ratio | 45.6365% | 182 |
| Memoranda: | ||
| Average total assets | $188,588,600 | 2,929 |
| Average earning assets | $173,762,000 | 2,943 |
| Average equity | $39,152,400 | 1,976 |
| Average total loans | $41,387,200 | 4,379 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 4,833 |
| Cost of funding earning assets | 0.7132% | 3,142 |
| Net interest margin | 2.9396% | 4,710 |
| Noninterest income to average assets | 0.2743% | 4,106 |
| Noninterest expense to average assets | 1.7257% | 4,897 |
| Loan and lease loss provision to assets | 0.0652% | 2,589 |
| Net operating income to assets | 1.1353% | 2,432 |
| Return on assets (ROA) | 0.9865% | 3,106 |
| Pretax return on assets | 1.0347% | 3,490 |
| Return on Equity (ROE) | 4.7708% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.7708% | 3,010 |
| Net charge-offs to loans | 0.9218% | 159 |
| Credit loss provision to net charge-offs | 31.7241% | 2,902 |
| Earnings coverage of net charge-offs (x) | 6.1137% | 2,860 |
| Efficiency ratio | 57.8660% | 3,958 |
| Assets per employee ($millions) | 7.6022% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,297 |
| Loan loss allowance to noncurrent loans | 54.6841% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 2,529 |
| Noncurrent loans to loans | 2.2641% | 547 |
| Net loans and leases to total assets | 21.0698% | 5,153 |
| Net loans and leases to deposits | 27.5719% | 5,140 |
| Net loans and leases to core deposits | 33.1696% | 5,111 |
| Total domestic deposits to total assets | 76.4178% | 4,595 |
| Equity capital to assets | 21.6796% | 195 |
| Core capital (leverage) ratio | 20.8991% | 207 |
| Tier 1 risk-based capital ratio | 45.2054% | 178 |
| Total risk-based capital ratio | 45.7779% | 180 |
| Memoranda: | ||
| Average total assets | $188,126,500 | 2,959 |
| Average earning assets | $173,307,000 | 2,978 |
| Average equity | $38,902,250 | 1,992 |
| Average total loans | $41,948,250 | 4,418 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,906 |
| Cost of funding earning assets | 0.6808% | 3,271 |
| Net interest margin | 2.9512% | 4,757 |
| Noninterest income to average assets | 0.2699% | 4,131 |
| Noninterest expense to average assets | 1.7751% | 4,900 |
| Loan and lease loss provision to assets | 0.0747% | 2,325 |
| Net operating income to assets | 1.0788% | 2,609 |
| Return on assets (ROA) | 0.9430% | 3,182 |
| Pretax return on assets | 0.9964% | 3,565 |
| Return on Equity (ROE) | 4.6361% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.6361% | 2,956 |
| Net charge-offs to loans | 1.2590% | 101 |
| Credit loss provision to net charge-offs | 26.2172% | 2,619 |
| Earnings coverage of net charge-offs (x) | 4.2622% | 2,750 |
| Efficiency ratio | 59.3862% | 3,814 |
| Assets per employee ($millions) | 7.6067% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,572 |
| Loan loss allowance to noncurrent loans | 33.0269% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 1,644 |
| Noncurrent loans to loans | 3.6081% | 225 |
| Net loans and leases to total assets | 21.9323% | 5,192 |
| Net loans and leases to deposits | 28.5158% | 5,181 |
| Net loans and leases to core deposits | 34.1760% | 5,144 |
| Total domestic deposits to total assets | 76.9129% | 4,573 |
| Equity capital to assets | 21.2929% | 198 |
| Core capital (leverage) ratio | 20.8593% | 203 |
| Tier 1 risk-based capital ratio | 42.5306% | 203 |
| Total risk-based capital ratio | 43.0773% | 208 |
| Memoranda: | ||
| Average total assets | $187,484,000 | 2,975 |
| Average earning assets | $172,743,000 | 2,994 |
| Average equity | $38,135,330 | 2,015 |
| Average total loans | $42,415,670 | 4,435 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 4,953 |
| Cost of funding earning assets | 0.6561% | 3,286 |
| Net interest margin | 2.9585% | 4,808 |
| Noninterest income to average assets | 0.2708% | 4,067 |
| Noninterest expense to average assets | 1.8566% | 4,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0595% | 2,625 |
| Return on assets (ROA) | 0.9176% | 3,208 |
| Pretax return on assets | 0.9842% | 3,495 |
| Return on Equity (ROE) | 4.6216% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.6216% | 3,074 |
| Net charge-offs to loans | 1.8345% | 63 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.7128% | 2,471 |
| Efficiency ratio | 62.0244% | 3,531 |
| Assets per employee ($millions) | 7.8048% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,478 |
| Loan loss allowance to noncurrent loans | 33.4437% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 1,571 |
| Noncurrent loans to loans | 3.6466% | 237 |
| Net loans and leases to total assets | 21.8366% | 5,251 |
| Net loans and leases to deposits | 27.9803% | 5,237 |
| Net loans and leases to core deposits | 33.4104% | 5,196 |
| Total domestic deposits to total assets | 78.0428% | 4,510 |
| Equity capital to assets | 20.2329% | 230 |
| Core capital (leverage) ratio | 20.6844% | 213 |
| Tier 1 risk-based capital ratio | 42.2478% | 202 |
| Total risk-based capital ratio | 42.7994% | 211 |
| Memoranda: | ||
| Average total assets | $186,142,500 | 3,021 |
| Average earning assets | $171,304,500 | 3,039 |
| Average equity | $36,957,000 | 2,060 |
| Average total loans | $42,518,000 | 4,479 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 4,830 |
| Cost of funding earning assets | 0.5522% | 3,033 |
| Net interest margin | 3.0215% | 4,777 |
| Noninterest income to average assets | 0.0405% | 5,289 |
| Noninterest expense to average assets | 1.6165% | 5,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1387% | 2,437 |
| Return on assets (ROA) | 0.9806% | 3,096 |
| Pretax return on assets | 1.0307% | 3,510 |
| Return on Equity (ROE) | 5.1304% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.3391% | 4,220 |
| Net charge-offs to loans | -0.4377% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4516% | 4,223 |
| Assets per employee ($millions) | 7.1143% | 932 |
| Cash dividends to net income (ytd only)* | 54.4070% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,022 |
| Loan loss allowance to noncurrent loans | 61.5114% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 1,872 |
| Noncurrent loans to loans | 2.6084% | 454 |
| Net loans and leases to total assets | 23.2080% | 5,287 |
| Net loans and leases to deposits | 29.6661% | 5,273 |
| Net loans and leases to core deposits | 35.7984% | 5,219 |
| Total domestic deposits to total assets | 78.2306% | 4,453 |
| Equity capital to assets | 19.4706% | 253 |
| Core capital (leverage) ratio | 20.4060% | 218 |
| Tier 1 risk-based capital ratio | 40.9253% | 220 |
| Total risk-based capital ratio | 41.6742% | 223 |
| Memoranda: | ||
| Average total assets | $187,445,400 | 2,983 |
| Average earning assets | $172,031,800 | 3,003 |
| Average equity | $35,825,400 | 2,042 |
| Average total loans | $45,698,600 | 4,413 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 4,889 |
| Cost of funding earning assets | 0.5448% | 2,897 |
| Net interest margin | 2.9984% | 4,848 |
| Noninterest income to average assets | 0.1553% | 4,998 |
| Noninterest expense to average assets | 1.4768% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3598% | 1,621 |
| Return on assets (ROA) | 1.1989% | 2,248 |
| Pretax return on assets | 1.2598% | 2,775 |
| Return on Equity (ROE) | 6.3017% | 4,172 |
| Retained earnings to average equity (ytd only) | 6.3017% | 2,490 |
| Net charge-offs to loans | -0.2654% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8173% | 4,896 |
| Assets per employee ($millions) | 6.8673% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,080 |
| Loan loss allowance to noncurrent loans | 48.0910% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2647% | 1,091 |
| Noncurrent loans to loans | 2.7111% | 450 |
| Net loans and leases to total assets | 24.1693% | 5,351 |
| Net loans and leases to deposits | 30.5485% | 5,332 |
| Net loans and leases to core deposits | 37.2680% | 5,278 |
| Total domestic deposits to total assets | 79.1179% | 4,297 |
| Equity capital to assets | 19.1832% | 261 |
| Core capital (leverage) ratio | 21.4221% | 182 |
| Tier 1 risk-based capital ratio | 40.6846% | 223 |
| Total risk-based capital ratio | 41.3006% | 229 |
| Memoranda: | ||
| Average total assets | $188,064,000 | 3,004 |
| Average earning assets | $172,529,750 | 3,019 |
| Average equity | $35,778,000 | 2,051 |
| Average total loans | $46,216,250 | 4,437 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 4,925 |
| Cost of funding earning assets | 0.5362% | 2,726 |
| Net interest margin | 2.9622% | 4,927 |
| Noninterest income to average assets | 0.1471% | 5,089 |
| Noninterest expense to average assets | 1.5274% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2735% | 1,883 |
| Return on assets (ROA) | 1.1157% | 2,535 |
| Pretax return on assets | 1.1728% | 3,038 |
| Return on Equity (ROE) | 5.8804% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.8804% | 2,619 |
| Net charge-offs to loans | -0.5335% | 5,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2866% | 4,758 |
| Assets per employee ($millions) | 6.9592% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 1,994 |
| Loan loss allowance to noncurrent loans | 49.0566% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 1,035 |
| Noncurrent loans to loans | 2.7306% | 445 |
| Net loans and leases to total assets | 24.4594% | 5,405 |
| Net loans and leases to deposits | 30.7999% | 5,389 |
| Net loans and leases to core deposits | 37.5111% | 5,328 |
| Total domestic deposits to total assets | 79.4139% | 4,364 |
| Equity capital to assets | 18.9777% | 268 |
| Core capital (leverage) ratio | 20.7692% | 197 |
| Tier 1 risk-based capital ratio | 38.9427% | 247 |
| Total risk-based capital ratio | 39.5744% | 255 |
| Memoranda: | ||
| Average total assets | $188,946,330 | 3,015 |
| Average earning assets | $173,454,330 | 3,027 |
| Average equity | $35,847,670 | 2,044 |
| Average total loans | $46,486,330 | 4,473 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 4,969 |
| Cost of funding earning assets | 0.5239% | 2,599 |
| Net interest margin | 2.9137% | 5,005 |
| Noninterest income to average assets | 0.1351% | 5,191 |
| Noninterest expense to average assets | 1.4250% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3318% | 1,536 |
| Return on assets (ROA) | 1.1717% | 2,136 |
| Pretax return on assets | 1.2202% | 2,677 |
| Return on Equity (ROE) | 6.1766% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.1766% | 2,634 |
| Net charge-offs to loans | -0.3445% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6757% | 5,047 |
| Assets per employee ($millions) | 6.9898% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 3,042 |
| Loan loss allowance to noncurrent loans | 45.5312% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 1,104 |
| Noncurrent loans to loans | 2.5469% | 527 |
| Net loans and leases to total assets | 24.3879% | 5,462 |
| Net loans and leases to deposits | 30.6223% | 5,439 |
| Net loans and leases to core deposits | 37.3867% | 5,365 |
| Total domestic deposits to total assets | 79.6407% | 4,472 |
| Equity capital to assets | 18.8184% | 260 |
| Core capital (leverage) ratio | 20.3509% | 199 |
| Tier 1 risk-based capital ratio | 38.6132% | 248 |
| Total risk-based capital ratio | 39.1624% | 253 |
| Memoranda: | ||
| Average total assets | $189,470,000 | 3,041 |
| Average earning assets | $174,075,500 | 3,051 |
| Average equity | $35,942,000 | 2,047 |
| Average total loans | $46,438,000 | 4,523 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2508% | 5,132 |
| Cost of funding earning assets | 0.4535% | 2,743 |
| Net interest margin | 2.7973% | 5,170 |
| Noninterest income to average assets | -0.1974% | 5,652 |
| Noninterest expense to average assets | 1.6624% | 5,369 |
| Loan and lease loss provision to assets | -0.2583% | 5,605 |
| Net operating income to assets | 0.9147% | 2,632 |
| Return on assets (ROA) | 0.8758% | 2,860 |
| Pretax return on assets | 0.9226% | 3,832 |
| Return on Equity (ROE) | 4.5154% | 4,341 |
| Retained earnings to average equity (ytd only) | 1.8083% | 4,235 |
| Net charge-offs to loans | -0.6447% | 5,614 |
| Credit loss provision to net charge-offs | 156.1905% | 1,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2151% | 2,513 |
| Assets per employee ($millions) | 6.5591% | 1,173 |
| Cash dividends to net income (ytd only)* | 59.9520% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,452 |
| Loan loss allowance to noncurrent loans | 45.9559% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.3064% | 1,110 |
| Noncurrent loans to loans | 2.3494% | 598 |
| Net loans and leases to total assets | 24.0833% | 5,530 |
| Net loans and leases to deposits | 30.5594% | 5,508 |
| Net loans and leases to core deposits | 36.8325% | 5,443 |
| Total domestic deposits to total assets | 78.8082% | 4,576 |
| Equity capital to assets | 19.1199% | 243 |
| Core capital (leverage) ratio | 19.8977% | 203 |
| Tier 1 risk-based capital ratio | 38.9347% | 237 |
| Total risk-based capital ratio | 39.4551% | 246 |
| Memoranda: | ||
| Average total assets | $190,447,000 | 3,014 |
| Average earning assets | $174,632,200 | 3,014 |
| Average equity | $36,940,000 | 1,985 |
| Average total loans | $48,862,200 | 4,489 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 5,227 |
| Cost of funding earning assets | 0.4445% | 2,764 |
| Net interest margin | 2.7588% | 5,273 |
| Noninterest income to average assets | 0.2212% | 4,895 |
| Noninterest expense to average assets | 1.5054% | 5,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1864% | 1,752 |
| Return on assets (ROA) | 1.1891% | 1,774 |
| Pretax return on assets | 1.2465% | 2,729 |
| Return on Equity (ROE) | 6.1087% | 4,075 |
| Retained earnings to average equity (ytd only) | 6.1087% | 2,168 |
| Net charge-offs to loans | -0.8781% | 5,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7607% | 4,875 |
| Assets per employee ($millions) | 6.3319% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0608% | 508 |
| Loan loss allowance to noncurrent loans | 73.6417% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.7720% | 792 |
| Noncurrent loans to loans | 2.7984% | 489 |
| Net loans and leases to total assets | 25.0941% | 5,589 |
| Net loans and leases to deposits | 32.0621% | 5,560 |
| Net loans and leases to core deposits | 39.0174% | 5,480 |
| Total domestic deposits to total assets | 78.2672% | 4,681 |
| Equity capital to assets | 20.2146% | 223 |
| Core capital (leverage) ratio | 20.1218% | 206 |
| Tier 1 risk-based capital ratio | 39.3724% | 230 |
| Total risk-based capital ratio | 40.3996% | 231 |
| Memoranda: | ||
| Average total assets | $190,505,000 | 3,043 |
| Average earning assets | $174,567,000 | 3,044 |
| Average equity | $37,082,750 | 1,983 |
| Average total loans | $49,500,250 | 4,512 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1558% | 5,295 |
| Cost of funding earning assets | 0.4360% | 2,747 |
| Net interest margin | 2.7198% | 5,339 |
| Noninterest income to average assets | 0.2486% | 4,753 |
| Noninterest expense to average assets | 1.5303% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1539% | 1,764 |
| Return on assets (ROA) | 1.0583% | 2,212 |
| Pretax return on assets | 1.1107% | 3,131 |
| Return on Equity (ROE) | 5.5070% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.5070% | 2,401 |
| Net charge-offs to loans | -1.1612% | 5,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8148% | 4,852 |
| Assets per employee ($millions) | 6.4222% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9757% | 630 |
| Loan loss allowance to noncurrent loans | 63.7624% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.8171% | 760 |
| Noncurrent loans to loans | 3.0986% | 406 |
| Net loans and leases to total assets | 24.8758% | 5,631 |
| Net loans and leases to deposits | 31.5893% | 5,609 |
| Net loans and leases to core deposits | 38.2935% | 5,537 |
| Total domestic deposits to total assets | 78.7476% | 4,682 |
| Equity capital to assets | 19.8163% | 226 |
| Core capital (leverage) ratio | 19.8016% | 209 |
| Tier 1 risk-based capital ratio | 38.1201% | 243 |
| Total risk-based capital ratio | 39.0955% | 240 |
| Memoranda: | ||
| Average total assets | $190,687,670 | 3,051 |
| Average earning assets | $174,790,670 | 3,049 |
| Average equity | $36,644,000 | 1,997 |
| Average total loans | $49,776,670 | 4,536 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1435% | 5,318 |
| Cost of funding earning assets | 0.4283% | 2,735 |
| Net interest margin | 2.7152% | 5,373 |
| Noninterest income to average assets | 0.2404% | 4,815 |
| Noninterest expense to average assets | 1.5055% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1776% | 1,564 |
| Return on assets (ROA) | 1.1007% | 1,909 |
| Pretax return on assets | 1.1408% | 2,818 |
| Return on Equity (ROE) | 5.8200% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.8200% | 2,430 |
| Net charge-offs to loans | -0.1912% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2204% | 5,019 |
| Assets per employee ($millions) | 6.5657% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 2,024 |
| Loan loss allowance to noncurrent loans | 35.7471% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 2.1664% | 582 |
| Noncurrent loans to loans | 3.9549% | 266 |
| Net loans and leases to total assets | 25.6730% | 5,674 |
| Net loans and leases to deposits | 32.3298% | 5,651 |
| Net loans and leases to core deposits | 38.8957% | 5,547 |
| Total domestic deposits to total assets | 79.4098% | 4,739 |
| Equity capital to assets | 19.1906% | 238 |
| Core capital (leverage) ratio | 19.9007% | 201 |
| Tier 1 risk-based capital ratio | 37.6003% | 262 |
| Total risk-based capital ratio | 38.3086% | 271 |
| Memoranda: | ||
| Average total assets | $189,699,000 | 3,089 |
| Average earning assets | $173,692,000 | 3,092 |
| Average equity | $35,876,500 | 2,037 |
| Average total loans | $50,218,500 | 4,556 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0926% | 5,411 |
| Cost of funding earning assets | 0.4103% | 2,903 |
| Net interest margin | 2.6823% | 5,439 |
| Noninterest income to average assets | -0.1703% | 5,898 |
| Noninterest expense to average assets | 1.6553% | 5,599 |
| Loan and lease loss provision to assets | -0.3125% | 5,847 |
| Net operating income to assets | 0.8977% | 2,837 |
| Return on assets (ROA) | 0.9621% | 2,635 |
| Pretax return on assets | 1.0131% | 3,433 |
| Return on Equity (ROE) | 4.9257% | 4,467 |
| Retained earnings to average equity (ytd only) | 2.2588% | 4,247 |
| Net charge-offs to loans | -0.2771% | 5,786 |
| Credit loss provision to net charge-offs | 425.5319% | 756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3424% | 2,538 |
| Assets per employee ($millions) | 6.2997% | 1,260 |
| Cash dividends to net income (ytd only)* | 54.1419% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 2,376 |
| Loan loss allowance to noncurrent loans | 29.5633% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 2.4403% | 499 |
| Noncurrent loans to loans | 4.5032% | 204 |
| Net loans and leases to total assets | 26.5493% | 5,720 |
| Net loans and leases to deposits | 33.4533% | 5,687 |
| Net loans and leases to core deposits | 40.8131% | 5,579 |
| Total domestic deposits to total assets | 79.3621% | 4,704 |
| Equity capital to assets | 18.6320% | 268 |
| Core capital (leverage) ratio | 19.4346% | 209 |
| Tier 1 risk-based capital ratio | 37.5514% | 261 |
| Total risk-based capital ratio | 38.2432% | 272 |
| Memoranda: | ||
| Average total assets | $191,984,600 | 3,046 |
| Average earning assets | $175,970,600 | 3,051 |
| Average equity | $37,497,200 | 1,954 |
| Average total loans | $50,890,600 | 4,556 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1065% | 5,465 |
| Cost of funding earning assets | 0.4007% | 3,017 |
| Net interest margin | 2.7058% | 5,487 |
| Noninterest income to average assets | 0.2380% | 5,052 |
| Noninterest expense to average assets | 1.5199% | 5,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1371% | 1,854 |
| Return on assets (ROA) | 1.2508% | 1,561 |
| Pretax return on assets | 1.3185% | 2,352 |
| Return on Equity (ROE) | 6.3323% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.3323% | 1,993 |
| Net charge-offs to loans | -0.1650% | 5,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9033% | 5,075 |
| Assets per employee ($millions) | 6.3513% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3647% | 398 |
| Loan loss allowance to noncurrent loans | 48.4053% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.8483% | 427 |
| Noncurrent loans to loans | 4.8852% | 176 |
| Net loans and leases to total assets | 25.9817% | 5,796 |
| Net loans and leases to deposits | 33.3291% | 5,767 |
| Net loans and leases to core deposits | 40.1295% | 5,676 |
| Total domestic deposits to total assets | 77.9551% | 4,921 |
| Equity capital to assets | 20.6006% | 213 |
| Core capital (leverage) ratio | 19.4625% | 215 |
| Tier 1 risk-based capital ratio | 37.8144% | 265 |
| Total risk-based capital ratio | 39.0169% | 266 |
| Memoranda: | ||
| Average total assets | $192,732,750 | 3,044 |
| Average earning assets | $176,702,500 | 3,057 |
| Average equity | $38,068,250 | 1,934 |
| Average total loans | $50,900,000 | 4,590 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1177% | 5,528 |
| Cost of funding earning assets | 0.3987% | 3,056 |
| Net interest margin | 2.7190% | 5,545 |
| Noninterest income to average assets | 0.2192% | 5,176 |
| Noninterest expense to average assets | 1.5186% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1509% | 1,772 |
| Return on assets (ROA) | 1.2819% | 1,436 |
| Pretax return on assets | 1.3325% | 2,273 |
| Return on Equity (ROE) | 6.5828% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.5828% | 1,826 |
| Net charge-offs to loans | -0.0392% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9406% | 5,150 |
| Assets per employee ($millions) | 6.4394% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2867% | 482 |
| Loan loss allowance to noncurrent loans | 45.6392% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 2.8331% | 441 |
| Noncurrent loans to loans | 5.0104% | 171 |
| Net loans and leases to total assets | 25.3493% | 5,877 |
| Net loans and leases to deposits | 32.4167% | 5,846 |
| Net loans and leases to core deposits | 38.9185% | 5,771 |
| Total domestic deposits to total assets | 78.1982% | 4,961 |
| Equity capital to assets | 20.1417% | 216 |
| Core capital (leverage) ratio | 19.0473% | 230 |
| Tier 1 risk-based capital ratio | 37.2365% | 282 |
| Total risk-based capital ratio | 38.3856% | 284 |
| Memoranda: | ||
| Average total assets | $193,464,330 | 3,055 |
| Average earning assets | $177,565,670 | 3,066 |
| Average equity | $37,673,670 | 1,956 |
| Average total loans | $50,965,330 | 4,612 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1044% | 5,604 |
| Cost of funding earning assets | 0.4001% | 3,064 |
| Net interest margin | 2.7043% | 5,614 |
| Noninterest income to average assets | 0.2107% | 5,221 |
| Noninterest expense to average assets | 1.6611% | 5,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9868% | 2,340 |
| Return on assets (ROA) | 0.8946% | 2,908 |
| Pretax return on assets | 0.9380% | 3,701 |
| Return on Equity (ROE) | 4.6741% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.6741% | 3,137 |
| Net charge-offs to loans | 0.1245% | 1,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 31.3125% | 1,160 |
| Efficiency ratio | 61.6092% | 4,507 |
| Assets per employee ($millions) | 6.4504% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2307% | 565 |
| Loan loss allowance to noncurrent loans | 43.9044% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 2.8525% | 463 |
| Noncurrent loans to loans | 5.0809% | 189 |
| Net loans and leases to total assets | 25.3668% | 5,928 |
| Net loans and leases to deposits | 32.0455% | 5,900 |
| Net loans and leases to core deposits | 38.1616% | 5,817 |
| Total domestic deposits to total assets | 79.1585% | 4,932 |
| Equity capital to assets | 19.4705% | 236 |
| Core capital (leverage) ratio | 18.5624% | 255 |
| Tier 1 risk-based capital ratio | 37.0209% | 288 |
| Total risk-based capital ratio | 38.1623% | 287 |
| Memoranda: | ||
| Average total assets | $193,606,000 | 3,064 |
| Average earning assets | $177,939,500 | 3,075 |
| Average equity | $37,055,500 | 1,985 |
| Average total loans | $51,390,000 | 4,635 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0894% | 5,646 |
| Cost of funding earning assets | 0.4341% | 2,801 |
| Net interest margin | 2.6553% | 5,697 |
| Noninterest income to average assets | 0.2479% | 5,111 |
| Noninterest expense to average assets | 1.5916% | 5,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0444% | 2,149 |
| Return on assets (ROA) | 0.9984% | 2,469 |
| Pretax return on assets | 1.0479% | 3,276 |
| Return on Equity (ROE) | 5.3110% | 4,369 |
| Retained earnings to average equity (ytd only) | 2.2949% | 4,423 |
| Net charge-offs to loans | 0.2611% | 1,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.2752% | 2,315 |
| Efficiency ratio | 59.2138% | 5,005 |
| Assets per employee ($millions) | 6.4566% | 1,119 |
| Cash dividends to net income (ytd only)* | 56.7888% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1608% | 628 |
| Loan loss allowance to noncurrent loans | 29.5756% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 3.5287% | 332 |
| Noncurrent loans to loans | 7.3062% | 95 |
| Net loans and leases to total assets | 26.5546% | 5,966 |
| Net loans and leases to deposits | 33.5007% | 5,941 |
| Net loans and leases to core deposits | 39.5777% | 5,838 |
| Total domestic deposits to total assets | 79.2658% | 4,913 |
| Equity capital to assets | 18.8091% | 261 |
| Core capital (leverage) ratio | 18.6050% | 257 |
| Tier 1 risk-based capital ratio | 36.1567% | 308 |
| Total risk-based capital ratio | 37.3009% | 300 |
| Memoranda: | ||
| Average total assets | $194,012,800 | 3,005 |
| Average earning assets | $178,285,200 | 3,015 |
| Average equity | $36,471,600 | 1,956 |
| Average total loans | $57,077,000 | 4,459 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1184% | 5,683 |
| Cost of funding earning assets | 0.4419% | 2,774 |
| Net interest margin | 2.6765% | 5,748 |
| Noninterest income to average assets | 0.2466% | 5,167 |
| Noninterest expense to average assets | 1.5236% | 6,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1252% | 1,913 |
| Return on assets (ROA) | 1.0861% | 2,155 |
| Pretax return on assets | 1.1410% | 3,051 |
| Return on Equity (ROE) | 5.7782% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.7782% | 2,380 |
| Net charge-offs to loans | 0.5269% | 449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.4826% | 2,911 |
| Efficiency ratio | 56.3087% | 5,312 |
| Assets per employee ($millions) | 6.3901% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9646% | 967 |
| Loan loss allowance to noncurrent loans | 27.3245% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 3.5758% | 353 |
| Noncurrent loans to loans | 7.1899% | 94 |
| Net loans and leases to total assets | 27.4618% | 6,041 |
| Net loans and leases to deposits | 34.7283% | 6,006 |
| Net loans and leases to core deposits | 41.6317% | 5,862 |
| Total domestic deposits to total assets | 79.0760% | 4,956 |
| Equity capital to assets | 19.5792% | 251 |
| Core capital (leverage) ratio | 19.0496% | 238 |
| Tier 1 risk-based capital ratio | 37.0240% | 303 |
| Total risk-based capital ratio | 38.0885% | 305 |
| Memoranda: | ||
| Average total assets | $194,091,250 | 3,027 |
| Average earning assets | $178,336,000 | 3,046 |
| Average equity | $36,481,250 | 1,970 |
| Average total loans | $58,203,250 | 4,467 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0681% | 5,778 |
| Cost of funding earning assets | 0.4511% | 2,709 |
| Net interest margin | 2.6170% | 5,870 |
| Noninterest income to average assets | 0.2432% | 5,220 |
| Noninterest expense to average assets | 1.4490% | 6,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1433% | 1,799 |
| Return on assets (ROA) | 1.1453% | 1,868 |
| Pretax return on assets | 1.2017% | 2,770 |
| Return on Equity (ROE) | 6.1776% | 4,049 |
| Retained earnings to average equity (ytd only) | 6.1776% | 2,131 |
| Net charge-offs to loans | 0.3852% | 675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.1652% | 2,387 |
| Efficiency ratio | 54.7075% | 5,528 |
| Assets per employee ($millions) | 6.1756% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0308% | 941 |
| Loan loss allowance to noncurrent loans | 30.7652% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 3.5567% | 402 |
| Noncurrent loans to loans | 6.6009% | 128 |
| Net loans and leases to total assets | 29.4828% | 6,052 |
| Net loans and leases to deposits | 36.9553% | 6,000 |
| Net loans and leases to core deposits | 44.3536% | 5,824 |
| Total domestic deposits to total assets | 79.7795% | 4,911 |
| Equity capital to assets | 18.9027% | 270 |
| Core capital (leverage) ratio | 18.5257% | 263 |
| Tier 1 risk-based capital ratio | 35.6200% | 349 |
| Total risk-based capital ratio | 36.7721% | 349 |
| Memoranda: | ||
| Average total assets | $194,887,330 | 3,045 |
| Average earning assets | $179,135,000 | 3,052 |
| Average equity | $36,130,330 | 1,991 |
| Average total loans | $59,704,330 | 4,473 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0387% | 5,856 |
| Cost of funding earning assets | 0.4711% | 2,558 |
| Net interest margin | 2.5676% | 5,953 |
| Noninterest income to average assets | 0.2991% | 4,781 |
| Noninterest expense to average assets | 1.6032% | 6,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0293% | 2,133 |
| Return on assets (ROA) | 1.0234% | 2,299 |
| Pretax return on assets | 1.0518% | 3,293 |
| Return on Equity (ROE) | 5.5732% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.5732% | 2,738 |
| Net charge-offs to loans | 1.1984% | 180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 2,690 |
| Efficiency ratio | 60.2446% | 5,062 |
| Assets per employee ($millions) | 6.3420% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 1,389 |
| Loan loss allowance to noncurrent loans | 25.6750% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 3.8072% | 407 |
| Noncurrent loans to loans | 7.2120% | 120 |
| Net loans and leases to total assets | 29.7371% | 6,080 |
| Net loans and leases to deposits | 37.1360% | 6,018 |
| Net loans and leases to core deposits | 44.8722% | 5,803 |
| Total domestic deposits to total assets | 80.0761% | 5,037 |
| Equity capital to assets | 18.6696% | 284 |
| Core capital (leverage) ratio | 18.1115% | 277 |
| Tier 1 risk-based capital ratio | 32.0237% | 459 |
| Total risk-based capital ratio | 33.0170% | 462 |
| Memoranda: | ||
| Average total assets | $196,609,000 | 3,044 |
| Average earning assets | $180,869,000 | 3,058 |
| Average equity | $36,101,500 | 2,005 |
| Average total loans | $60,750,000 | 4,476 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0138% | 6,056 |
| Cost of funding earning assets | 0.4886% | 2,789 |
| Net interest margin | 2.5252% | 6,131 |
| Noninterest income to average assets | 0.3770% | 4,370 |
| Noninterest expense to average assets | 1.6013% | 6,234 |
| Loan and lease loss provision to assets | 0.1532% | 1,716 |
| Net operating income to assets | 0.9118% | 2,820 |
| Return on assets (ROA) | 1.0108% | 2,412 |
| Pretax return on assets | 1.0537% | 3,285 |
| Return on Equity (ROE) | 5.7409% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.8400% | 4,216 |
| Net charge-offs to loans | -0.0865% | 6,079 |
| Credit loss provision to net charge-offs | -535.7143% | 5,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1956% | 5,322 |
| Assets per employee ($millions) | 6.3424% | 1,155 |
| Cash dividends to net income (ytd only)* | 50.5306% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 989 |
| Loan loss allowance to noncurrent loans | 28.5619% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 3.9112% | 435 |
| Noncurrent loans to loans | 7.2643% | 136 |
| Net loans and leases to total assets | 30.8461% | 6,155 |
| Net loans and leases to deposits | 38.7715% | 6,070 |
| Net loans and leases to core deposits | 44.9654% | 5,928 |
| Total domestic deposits to total assets | 79.5585% | 5,132 |
| Equity capital to assets | 18.0546% | 311 |
| Core capital (leverage) ratio | 17.8382% | 297 |
| Tier 1 risk-based capital ratio | 33.2373% | 389 |
| Total risk-based capital ratio | 34.4555% | 382 |
| Memoranda: | ||
| Average total assets | $195,778,400 | 3,043 |
| Average earning assets | $180,500,400 | 3,036 |
| Average equity | $34,472,200 | 2,025 |
| Average total loans | $64,704,200 | 4,343 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9999% | 6,143 |
| Cost of funding earning assets | 0.4937% | 2,828 |
| Net interest margin | 2.5062% | 6,215 |
| Noninterest income to average assets | 0.3593% | 4,560 |
| Noninterest expense to average assets | 1.4849% | 6,364 |
| Loan and lease loss provision to assets | 0.2045% | 1,150 |
| Net operating income to assets | 0.7708% | 3,561 |
| Return on assets (ROA) | 0.8440% | 3,302 |
| Pretax return on assets | 1.0744% | 3,282 |
| Return on Equity (ROE) | 4.8242% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.8242% | 3,199 |
| Net charge-offs to loans | 0.1733% | 2,062 |
| Credit loss provision to net charge-offs | 352.9412% | 799 |
| Earnings coverage of net charge-offs (x) | 20.4707% | 1,732 |
| Efficiency ratio | 55.5896% | 5,694 |
| Assets per employee ($millions) | 6.3301% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 1,645 |
| Loan loss allowance to noncurrent loans | 24.1656% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 4.1558% | 453 |
| Noncurrent loans to loans | 7.5474% | 138 |
| Net loans and leases to total assets | 31.3809% | 6,208 |
| Net loans and leases to deposits | 38.9220% | 6,156 |
| Net loans and leases to core deposits | 46.1346% | 5,953 |
| Total domestic deposits to total assets | 80.6252% | 4,935 |
| Equity capital to assets | 17.9780% | 339 |
| Core capital (leverage) ratio | 18.0192% | 299 |
| Tier 1 risk-based capital ratio | 34.1336% | 384 |
| Total risk-based capital ratio | 35.2393% | 383 |
| Memoranda: | ||
| Average total assets | $195,569,250 | 3,065 |
| Average earning assets | $180,403,000 | 3,051 |
| Average equity | $34,215,750 | 2,043 |
| Average total loans | $65,397,000 | 4,359 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9787% | 6,204 |
| Cost of funding earning assets | 0.4998% | 2,835 |
| Net interest margin | 2.4789% | 6,300 |
| Noninterest income to average assets | 0.3798% | 4,407 |
| Noninterest expense to average assets | 1.5234% | 6,407 |
| Loan and lease loss provision to assets | 0.3071% | 635 |
| Net operating income to assets | 0.6083% | 4,323 |
| Return on assets (ROA) | 0.6061% | 4,429 |
| Pretax return on assets | 0.8365% | 4,136 |
| Return on Equity (ROE) | 3.4966% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.4966% | 3,979 |
| Net charge-offs to loans | 0.2293% | 1,664 |
| Credit loss provision to net charge-offs | 394.7368% | 701 |
| Earnings coverage of net charge-offs (x) | 14.7368% | 1,895 |
| Efficiency ratio | 57.0552% | 5,650 |
| Assets per employee ($millions) | 6.3225% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 1,924 |
| Loan loss allowance to noncurrent loans | 17.8538% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 4.3572% | 451 |
| Noncurrent loans to loans | 9.9098% | 81 |
| Net loans and leases to total assets | 32.6612% | 6,215 |
| Net loans and leases to deposits | 40.3155% | 6,141 |
| Net loans and leases to core deposits | 49.0469% | 5,849 |
| Total domestic deposits to total assets | 81.0140% | 4,976 |
| Equity capital to assets | 17.6681% | 350 |
| Core capital (leverage) ratio | 17.7661% | 307 |
| Tier 1 risk-based capital ratio | 33.5426% | 391 |
| Total risk-based capital ratio | 34.6571% | 388 |
| Memoranda: | ||
| Average total assets | $195,347,670 | 3,085 |
| Average earning assets | $180,482,000 | 3,077 |
| Average equity | $33,861,330 | 2,046 |
| Average total loans | $66,288,000 | 4,342 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9308% | 6,302 |
| Cost of funding earning assets | 0.5022% | 2,884 |
| Net interest margin | 2.4286% | 6,396 |
| Noninterest income to average assets | 0.4635% | 3,683 |
| Noninterest expense to average assets | 1.5875% | 6,443 |
| Loan and lease loss provision to assets | 0.6153% | 215 |
| Net operating income to assets | 0.2551% | 5,648 |
| Return on assets (ROA) | 0.2236% | 5,784 |
| Pretax return on assets | 0.4533% | 5,301 |
| Return on Equity (ROE) | 1.3024% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.3024% | 5,095 |
| Net charge-offs to loans | 1.6994% | 174 |
| Credit loss provision to net charge-offs | 105.6338% | 1,585 |
| Earnings coverage of net charge-offs (x) | 1.9190% | 2,989 |
| Efficiency ratio | 58.6808% | 5,582 |
| Assets per employee ($millions) | 6.3250% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 3,528 |
| Loan loss allowance to noncurrent loans | 14.6194% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 4.3728% | 512 |
| Noncurrent loans to loans | 9.6713% | 107 |
| Net loans and leases to total assets | 33.6057% | 6,199 |
| Net loans and leases to deposits | 41.2232% | 6,122 |
| Net loans and leases to core deposits | 49.6481% | 5,782 |
| Total domestic deposits to total assets | 81.5213% | 5,082 |
| Equity capital to assets | 17.2369% | 373 |
| Core capital (leverage) ratio | 17.5987% | 325 |
| Tier 1 risk-based capital ratio | 33.0657% | 412 |
| Total risk-based capital ratio | 33.9797% | 415 |
| Memoranda: | ||
| Average total assets | $195,023,000 | 3,113 |
| Average earning assets | $180,020,000 | 3,099 |
| Average equity | $33,477,500 | 2,060 |
| Average total loans | $66,848,000 | 4,363 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0210% | 6,323 |
| Cost of funding earning assets | 0.5097% | 3,504 |
| Net interest margin | 2.5114% | 6,364 |
| Noninterest income to average assets | -0.1894% | 6,755 |
| Noninterest expense to average assets | 1.6518% | 6,482 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4450% | 4,978 |
| Return on assets (ROA) | 0.3824% | 5,322 |
| Pretax return on assets | 0.4004% | 5,496 |
| Return on Equity (ROE) | 2.1140% | 5,801 |
| Retained earnings to average equity (ytd only) | -3.5611% | 6,299 |
| Net charge-offs to loans | 1.0065% | 577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.3722% | 4,604 |
| Efficiency ratio | 78.0121% | 2,464 |
| Assets per employee ($millions) | 6.2572% | 1,107 |
| Cash dividends to net income (ytd only)* | 268.4564% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 3,703 |
| Loan loss allowance to noncurrent loans | 14.2572% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 4.4852% | 563 |
| Noncurrent loans to loans | 9.7459% | 117 |
| Net loans and leases to total assets | 33.9894% | 6,300 |
| Net loans and leases to deposits | 41.8728% | 6,233 |
| Net loans and leases to core deposits | 50.2623% | 5,920 |
| Total domestic deposits to total assets | 81.1731% | 5,123 |
| Equity capital to assets | 17.0942% | 390 |
| Core capital (leverage) ratio | 17.5914% | 324 |
| Tier 1 risk-based capital ratio | 33.3216% | 385 |
| Total risk-based capital ratio | 34.2300% | 394 |
| Memoranda: | ||
| Average total assets | $194,815,400 | 3,089 |
| Average earning assets | $178,945,600 | 3,083 |
| Average equity | $35,241,800 | 1,960 |
| Average total loans | $65,670,600 | 4,424 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0044% | 6,420 |
| Cost of funding earning assets | 0.5127% | 3,642 |
| Net interest margin | 2.4917% | 6,433 |
| Noninterest income to average assets | 0.3719% | 4,733 |
| Noninterest expense to average assets | 1.5081% | 6,636 |
| Loan and lease loss provision to assets | 0.1196% | 2,802 |
| Net operating income to assets | 0.7813% | 3,450 |
| Return on assets (ROA) | 0.7226% | 3,865 |
| Pretax return on assets | 0.9530% | 3,678 |
| Return on Equity (ROE) | 3.9407% | 5,249 |
| Retained earnings to average equity (ytd only) | 0.2125% | 5,872 |
| Net charge-offs to loans | -0.3019% | 6,726 |
| Credit loss provision to net charge-offs | -118.2432% | 5,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7387% | 5,830 |
| Assets per employee ($millions) | 6.2291% | 1,096 |
| Cash dividends to net income (ytd only)* | 94.6073% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0300% | 535 |
| Loan loss allowance to noncurrent loans | 22.4821% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 6.0865% | 391 |
| Noncurrent loans to loans | 13.4775% | 61 |
| Net loans and leases to total assets | 31.7047% | 6,467 |
| Net loans and leases to deposits | 39.3104% | 6,410 |
| Net loans and leases to core deposits | 48.1105% | 6,119 |
| Total domestic deposits to total assets | 80.6521% | 5,320 |
| Equity capital to assets | 17.9823% | 322 |
| Core capital (leverage) ratio | 18.2620% | 287 |
| Tier 1 risk-based capital ratio | 36.6559% | 293 |
| Total risk-based capital ratio | 37.9153% | 292 |
| Memoranda: | ||
| Average total assets | $195,026,250 | 3,113 |
| Average earning assets | $178,934,750 | 3,112 |
| Average equity | $35,762,750 | 1,941 |
| Average total loans | $65,373,500 | 4,471 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0107% | 6,438 |
| Cost of funding earning assets | 0.5183% | 3,720 |
| Net interest margin | 2.4924% | 6,461 |
| Noninterest income to average assets | 0.3997% | 4,532 |
| Noninterest expense to average assets | 1.4944% | 6,676 |
| Loan and lease loss provision to assets | 0.1789% | 2,121 |
| Net operating income to assets | 0.7729% | 3,446 |
| Return on assets (ROA) | 0.7441% | 3,751 |
| Pretax return on assets | 0.9741% | 3,621 |
| Return on Equity (ROE) | 4.0322% | 5,206 |
| Retained earnings to average equity (ytd only) | -1.5065% | 6,126 |
| Net charge-offs to loans | -0.8923% | 6,862 |
| Credit loss provision to net charge-offs | -59.3220% | 5,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6528% | 6,003 |
| Assets per employee ($millions) | 6.3255% | 996 |
| Cash dividends to net income (ytd only)* | 137.3626% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1993% | 481 |
| Loan loss allowance to noncurrent loans | 30.2452% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 5.1185% | 592 |
| Noncurrent loans to loans | 10.5779% | 137 |
| Net loans and leases to total assets | 31.7858% | 6,517 |
| Net loans and leases to deposits | 39.3111% | 6,439 |
| Net loans and leases to core deposits | 47.6110% | 6,150 |
| Total domestic deposits to total assets | 80.8568% | 5,385 |
| Equity capital to assets | 17.8744% | 332 |
| Core capital (leverage) ratio | 17.7289% | 303 |
| Tier 1 risk-based capital ratio | 36.1821% | 298 |
| Total risk-based capital ratio | 37.4431% | 296 |
| Memoranda: | ||
| Average total assets | $195,668,000 | 3,124 |
| Average earning assets | $179,424,000 | 3,122 |
| Average equity | $36,109,000 | 1,932 |
| Average total loans | $66,119,670 | 4,461 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0787% | 6,421 |
| Cost of funding earning assets | 0.5299% | 3,776 |
| Net interest margin | 2.5488% | 6,443 |
| Noninterest income to average assets | 0.2476% | 5,688 |
| Noninterest expense to average assets | 1.4919% | 6,750 |
| Loan and lease loss provision to assets | 0.3581% | 902 |
| Net operating income to assets | 0.4912% | 4,712 |
| Return on assets (ROA) | 0.4748% | 4,965 |
| Pretax return on assets | 0.7060% | 4,551 |
| Return on Equity (ROE) | 2.5329% | 5,762 |
| Retained earnings to average equity (ytd only) | -8.3846% | 6,547 |
| Net charge-offs to loans | -1.4093% | 6,942 |
| Credit loss provision to net charge-offs | -74.1525% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8113% | 5,870 |
| Assets per employee ($millions) | 6.3133% | 1,067 |
| Cash dividends to net income (ytd only)* | 431.0345% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0608% | 618 |
| Loan loss allowance to noncurrent loans | 29.8701% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 5.0421% | 726 |
| Noncurrent loans to loans | 10.2470% | 200 |
| Net loans and leases to total assets | 32.3814% | 6,497 |
| Net loans and leases to deposits | 40.3094% | 6,405 |
| Net loans and leases to core deposits | 47.7451% | 6,106 |
| Total domestic deposits to total assets | 80.3322% | 5,681 |
| Equity capital to assets | 18.4696% | 304 |
| Core capital (leverage) ratio | 17.7332% | 301 |
| Tier 1 risk-based capital ratio | 35.8490% | 319 |
| Total risk-based capital ratio | 36.8010% | 324 |
| Memoranda: | ||
| Average total assets | $195,456,500 | 3,151 |
| Average earning assets | $178,909,000 | 3,164 |
| Average equity | $36,638,500 | 1,930 |
| Average total loans | $66,985,000 | 4,457 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 6,665 |
| Cost of funding earning assets | 0.6337% | 4,060 |
| Net interest margin | 2.5571% | 6,672 |
| Noninterest income to average assets | 0.3704% | 4,828 |
| Noninterest expense to average assets | 1.6120% | 6,794 |
| Loan and lease loss provision to assets | 0.3561% | 1,877 |
| Net operating income to assets | 0.7776% | 3,382 |
| Return on assets (ROA) | 0.7899% | 3,581 |
| Pretax return on assets | 0.7556% | 4,459 |
| Return on Equity (ROE) | 4.1747% | 5,071 |
| Retained earnings to average equity (ytd only) | -1.2329% | 6,048 |
| Net charge-offs to loans | 2.0885% | 344 |
| Credit loss provision to net charge-offs | 47.0588% | 4,762 |
| Earnings coverage of net charge-offs (x) | 1.4530% | 4,720 |
| Efficiency ratio | 59.4528% | 5,625 |
| Assets per employee ($millions) | 6.2968% | 1,107 |
| Cash dividends to net income (ytd only)* | 129.5337% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3180% | 1,341 |
| Loan loss allowance to noncurrent loans | 24.0436% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 5.0440% | 764 |
| Noncurrent loans to loans | 9.6406% | 255 |
| Net loans and leases to total assets | 34.3260% | 6,531 |
| Net loans and leases to deposits | 43.0093% | 6,427 |
| Net loans and leases to core deposits | 50.8990% | 6,095 |
| Total domestic deposits to total assets | 79.8107% | 5,715 |
| Equity capital to assets | 19.0213% | 270 |
| Core capital (leverage) ratio | 18.2433% | 268 |
| Tier 1 risk-based capital ratio | 35.9121% | 319 |
| Total risk-based capital ratio | 37.1663% | 312 |
| Memoranda: | ||
| Average total assets | $195,476,200 | 3,103 |
| Average earning assets | $178,951,400 | 3,107 |
| Average equity | $36,984,600 | 1,878 |
| Average total loans | $70,815,000 | 4,335 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1996% | 6,797 |
| Cost of funding earning assets | 0.6495% | 4,203 |
| Net interest margin | 2.5501% | 6,790 |
| Noninterest income to average assets | 0.4023% | 4,619 |
| Noninterest expense to average assets | 1.4394% | 6,970 |
| Loan and lease loss provision to assets | 0.3239% | 2,028 |
| Net operating income to assets | 0.8014% | 3,444 |
| Return on assets (ROA) | 0.8209% | 3,584 |
| Pretax return on assets | 0.9975% | 3,725 |
| Return on Equity (ROE) | 4.3447% | 5,129 |
| Retained earnings to average equity (ytd only) | -2.8724% | 6,473 |
| Net charge-offs to loans | 0.6576% | 1,663 |
| Credit loss provision to net charge-offs | 134.9432% | 2,136 |
| Earnings coverage of net charge-offs (x) | 5.4063% | 3,038 |
| Efficiency ratio | 52.5909% | 6,392 |
| Assets per employee ($millions) | 6.2864% | 1,075 |
| Cash dividends to net income (ytd only)* | 166.1133% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5417% | 450 |
| Loan loss allowance to noncurrent loans | 38.7037% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 5.0026% | 896 |
| Noncurrent loans to loans | 9.1509% | 296 |
| Net loans and leases to total assets | 34.8823% | 6,619 |
| Net loans and leases to deposits | 43.8017% | 6,515 |
| Net loans and leases to core deposits | 52.6162% | 6,141 |
| Total domestic deposits to total assets | 79.6370% | 5,743 |
| Equity capital to assets | 19.0468% | 295 |
| Core capital (leverage) ratio | 17.9469% | 301 |
| Tier 1 risk-based capital ratio | 35.3331% | 346 |
| Total risk-based capital ratio | 36.5993% | 338 |
| Memoranda: | ||
| Average total assets | $195,544,750 | 3,134 |
| Average earning assets | $179,018,750 | 3,142 |
| Average equity | $36,948,250 | 1,901 |
| Average total loans | $71,370,000 | 4,348 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 6,801 |
| Cost of funding earning assets | 0.6651% | 4,321 |
| Net interest margin | 2.6571% | 6,765 |
| Noninterest income to average assets | 0.4158% | 4,537 |
| Noninterest expense to average assets | 1.4180% | 7,049 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2081% | 1,684 |
| Return on assets (ROA) | 1.2484% | 1,741 |
| Pretax return on assets | 1.4783% | 1,928 |
| Return on Equity (ROE) | 6.6248% | 3,979 |
| Retained earnings to average equity (ytd only) | -4.2178% | 6,569 |
| Net charge-offs to loans | -0.3963% | 7,103 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7848% | 6,655 |
| Assets per employee ($millions) | 6.1153% | 1,160 |
| Cash dividends to net income (ytd only)* | 163.6661% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5470% | 476 |
| Loan loss allowance to noncurrent loans | 57.8294% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 3.9793% | 1,289 |
| Noncurrent loans to loans | 6.1336% | 706 |
| Net loans and leases to total assets | 34.9485% | 6,671 |
| Net loans and leases to deposits | 43.7458% | 6,570 |
| Net loans and leases to core deposits | 52.4511% | 6,207 |
| Total domestic deposits to total assets | 79.8899% | 5,769 |
| Equity capital to assets | 18.8586% | 287 |
| Core capital (leverage) ratio | 17.8605% | 296 |
| Tier 1 risk-based capital ratio | 35.0288% | 341 |
| Total risk-based capital ratio | 36.2943% | 335 |
| Memoranda: | ||
| Average total assets | $195,767,000 | 3,140 |
| Average earning assets | $179,217,330 | 3,143 |
| Average equity | $36,891,670 | 1,890 |
| Average total loans | $71,668,670 | 4,364 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3323% | 6,873 |
| Cost of funding earning assets | 0.6687% | 4,548 |
| Net interest margin | 2.6636% | 6,817 |
| Noninterest income to average assets | 0.3963% | 4,701 |
| Noninterest expense to average assets | 1.4606% | 7,081 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1399% | 1,921 |
| Return on assets (ROA) | 1.1399% | 2,106 |
| Pretax return on assets | 1.3687% | 2,293 |
| Return on Equity (ROE) | 6.0512% | 4,261 |
| Retained earnings to average equity (ytd only) | -15.6376% | 6,986 |
| Net charge-offs to loans | -0.7217% | 7,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6245% | 6,574 |
| Assets per employee ($millions) | 6.1315% | 1,204 |
| Cash dividends to net income (ytd only)* | 358.4229% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5215% | 528 |
| Loan loss allowance to noncurrent loans | 59.5669% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 3.9576% | 1,405 |
| Noncurrent loans to loans | 5.9119% | 854 |
| Net loans and leases to total assets | 34.9498% | 6,694 |
| Net loans and leases to deposits | 43.4447% | 6,589 |
| Net loans and leases to core deposits | 52.0245% | 6,201 |
| Total domestic deposits to total assets | 80.4467% | 5,740 |
| Equity capital to assets | 18.3745% | 318 |
| Core capital (leverage) ratio | 17.5942% | 319 |
| Tier 1 risk-based capital ratio | 34.0194% | 364 |
| Total risk-based capital ratio | 35.2841% | 358 |
| Memoranda: | ||
| Average total assets | $195,806,500 | 3,157 |
| Average earning assets | $178,853,500 | 3,159 |
| Average equity | $36,885,500 | 1,888 |
| Average total loans | $72,050,500 | 4,381 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6761% | 6,872 |
| Cost of funding earning assets | 0.7773% | 5,022 |
| Net interest margin | 2.8988% | 6,692 |
| Noninterest income to average assets | 0.3423% | 5,083 |
| Noninterest expense to average assets | 1.7102% | 7,046 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3095% | 1,221 |
| Return on assets (ROA) | 1.3095% | 1,330 |
| Pretax return on assets | 1.3085% | 2,096 |
| Return on Equity (ROE) | 6.7539% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.7539% | 1,616 |
| Net charge-offs to loans | 2.7353% | 393 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.1749% | 4,909 |
| Efficiency ratio | 56.6545% | 6,233 |
| Assets per employee ($millions) | 6.1064% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2496% | 648 |
| Loan loss allowance to noncurrent loans | 58.3477% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 3.8561% | 1,493 |
| Noncurrent loans to loans | 5.5694% | 944 |
| Net loans and leases to total assets | 36.1560% | 6,761 |
| Net loans and leases to deposits | 45.4643% | 6,651 |
| Net loans and leases to core deposits | 53.5949% | 6,329 |
| Total domestic deposits to total assets | 79.5262% | 5,863 |
| Equity capital to assets | 19.3029% | 268 |
| Core capital (leverage) ratio | 18.5398% | 268 |
| Tier 1 risk-based capital ratio | 34.7502% | 339 |
| Total risk-based capital ratio | 36.0134% | 331 |
| Memoranda: | ||
| Average total assets | $189,918,200 | 3,186 |
| Average earning assets | $175,349,200 | 3,155 |
| Average equity | $36,823,200 | 1,829 |
| Average total loans | $77,322,200 | 4,233 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 6,907 |
| Cost of funding earning assets | 0.7962% | 5,175 |
| Net interest margin | 2.9334% | 6,699 |
| Noninterest income to average assets | 0.4851% | 3,998 |
| Noninterest expense to average assets | 1.5628% | 7,188 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6293% | 739 |
| Return on assets (ROA) | 1.6293% | 808 |
| Pretax return on assets | 1.6370% | 1,287 |
| Return on Equity (ROE) | 8.3934% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.3934% | 1,357 |
| Net charge-offs to loans | 1.8623% | 705 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.1142% | 4,086 |
| Efficiency ratio | 48.8398% | 6,895 |
| Assets per employee ($millions) | 6.1657% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5430% | 253 |
| Loan loss allowance to noncurrent loans | 76.5914% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 4.2728% | 1,426 |
| Noncurrent loans to loans | 5.9315% | 942 |
| Net loans and leases to total assets | 37.2992% | 6,805 |
| Net loans and leases to deposits | 47.2258% | 6,672 |
| Net loans and leases to core deposits | 56.6676% | 6,259 |
| Total domestic deposits to total assets | 78.9806% | 5,987 |
| Equity capital to assets | 19.8584% | 249 |
| Core capital (leverage) ratio | 18.7902% | 270 |
| Tier 1 risk-based capital ratio | 34.3289% | 376 |
| Total risk-based capital ratio | 35.6034% | 368 |
| Memoranda: | ||
| Average total assets | $188,546,250 | 3,221 |
| Average earning assets | $174,489,750 | 3,176 |
| Average equity | $36,599,250 | 1,841 |
| Average total loans | $78,396,750 | 4,230 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 6,944 |
| Cost of funding earning assets | 0.8215% | 5,231 |
| Net interest margin | 2.9560% | 6,685 |
| Noninterest income to average assets | 0.5669% | 3,356 |
| Noninterest expense to average assets | 1.5004% | 7,307 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8158% | 484 |
| Return on assets (ROA) | 1.8158% | 514 |
| Pretax return on assets | 1.8158% | 847 |
| Return on Equity (ROE) | 9.4283% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.4283% | 980 |
| Net charge-offs to loans | 2.2177% | 583 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.9298% | 3,897 |
| Efficiency ratio | 45.2442% | 7,190 |
| Assets per employee ($millions) | 5.8790% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6640% | 238 |
| Loan loss allowance to noncurrent loans | 71.7413% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 4.1966% | 1,513 |
| Noncurrent loans to loans | 6.5012% | 860 |
| Net loans and leases to total assets | 39.1696% | 6,789 |
| Net loans and leases to deposits | 49.5462% | 6,634 |
| Net loans and leases to core deposits | 59.3682% | 6,151 |
| Total domestic deposits to total assets | 79.0568% | 6,072 |
| Equity capital to assets | 19.8168% | 272 |
| Core capital (leverage) ratio | 18.6226% | 294 |
| Tier 1 risk-based capital ratio | 34.1452% | 381 |
| Total risk-based capital ratio | 35.1693% | 379 |
| Memoranda: | ||
| Average total assets | $187,682,330 | 3,259 |
| Average earning assets | $174,558,330 | 3,196 |
| Average equity | $36,146,670 | 1,853 |
| Average total loans | $79,633,670 | 4,230 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8180% | 6,930 |
| Cost of funding earning assets | 0.8665% | 5,161 |
| Net interest margin | 2.9515% | 6,674 |
| Noninterest income to average assets | 0.6508% | 2,840 |
| Noninterest expense to average assets | 1.6686% | 7,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7369% | 547 |
| Return on assets (ROA) | 1.7369% | 575 |
| Pretax return on assets | 1.7369% | 913 |
| Return on Equity (ROE) | 9.1513% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.1513% | 1,331 |
| Net charge-offs to loans | -0.1436% | 7,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9975% | 7,064 |
| Assets per employee ($millions) | 5.8503% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6812% | 125 |
| Loan loss allowance to noncurrent loans | 80.4882% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 4.5944% | 1,406 |
| Noncurrent loans to loans | 7.0584% | 775 |
| Net loans and leases to total assets | 40.0576% | 6,773 |
| Net loans and leases to deposits | 50.3069% | 6,605 |
| Net loans and leases to core deposits | 59.5767% | 6,131 |
| Total domestic deposits to total assets | 79.6264% | 6,031 |
| Equity capital to assets | 19.2193% | 295 |
| Core capital (leverage) ratio | 18.1380% | 326 |
| Tier 1 risk-based capital ratio | 32.7020% | 412 |
| Total risk-based capital ratio | 33.9902% | 402 |
| Memoranda: | ||
| Average total assets | $187,459,500 | 3,279 |
| Average earning assets | $174,962,000 | 3,223 |
| Average equity | $35,579,500 | 1,868 |
| Average total loans | $80,803,500 | 4,226 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 7,020 |
| Cost of funding earning assets | 1.0527% | 5,416 |
| Net interest margin | 3.0686% | 6,599 |
| Noninterest income to average assets | 0.3872% | 5,000 |
| Noninterest expense to average assets | 1.9954% | 7,031 |
| Loan and lease loss provision to assets | 1.7664% | 790 |
| Net operating income to assets | -0.4777% | 6,374 |
| Return on assets (ROA) | -0.4758% | 6,403 |
| Pretax return on assets | -0.5193% | 6,333 |
| Return on Equity (ROE) | -2.5445% | 6,235 |
| Retained earnings to average equity (ytd only) | -2.5445% | 6,051 |
| Net charge-offs to loans | 2.3856% | 798 |
| Credit loss provision to net charge-offs | 162.6931% | 2,135 |
| Earnings coverage of net charge-offs (x) | 1.1467% | 4,962 |
| Efficiency ratio | 61.5783% | 5,796 |
| Assets per employee ($millions) | 5.8660% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4666% | 147 |
| Loan loss allowance to noncurrent loans | 78.6127% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 4.6353% | 1,436 |
| Noncurrent loans to loans | 6.9538% | 813 |
| Net loans and leases to total assets | 41.3460% | 6,882 |
| Net loans and leases to deposits | 51.6704% | 6,767 |
| Net loans and leases to core deposits | 61.1154% | 6,306 |
| Total domestic deposits to total assets | 80.0188% | 5,826 |
| Equity capital to assets | 18.7410% | 330 |
| Core capital (leverage) ratio | 17.7172% | 347 |
| Tier 1 risk-based capital ratio | 30.8519% | 473 |
| Total risk-based capital ratio | 32.1377% | 462 |
| Memoranda: | ||
| Average total assets | $190,835,200 | 3,217 |
| Average earning assets | $177,440,400 | 3,151 |
| Average equity | $35,684,800 | 1,853 |
| Average total loans | $86,854,200 | 4,130 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 7,138 |
| Cost of funding earning assets | 1.0912% | 5,475 |
| Net interest margin | 3.0713% | 6,682 |
| Noninterest income to average assets | 0.3270% | 5,543 |
| Noninterest expense to average assets | 1.6540% | 7,464 |
| Loan and lease loss provision to assets | 1.9629% | 608 |
| Net operating income to assets | -0.4836% | 6,579 |
| Return on assets (ROA) | -0.4829% | 6,621 |
| Pretax return on assets | -0.4356% | 6,509 |
| Return on Equity (ROE) | -2.5839% | 6,457 |
| Retained earnings to average equity (ytd only) | -2.5839% | 6,297 |
| Net charge-offs to loans | 0.9313% | 2,132 |
| Credit loss provision to net charge-offs | 458.6992% | 654 |
| Earnings coverage of net charge-offs (x) | 3.5675% | 3,396 |
| Efficiency ratio | 52.0018% | 6,970 |
| Assets per employee ($millions) | 5.6988% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1858% | 103 |
| Loan loss allowance to noncurrent loans | 76.6771% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 5.5291% | 1,114 |
| Noncurrent loans to loans | 8.0673% | 637 |
| Net loans and leases to total assets | 43.5082% | 6,874 |
| Net loans and leases to deposits | 54.7246% | 6,713 |
| Net loans and leases to core deposits | 64.7595% | 6,235 |
| Total domestic deposits to total assets | 79.5038% | 5,864 |
| Equity capital to assets | 19.2285% | 337 |
| Core capital (leverage) ratio | 18.0084% | 350 |
| Tier 1 risk-based capital ratio | 29.9900% | 516 |
| Total risk-based capital ratio | 31.2838% | 501 |
| Memoranda: | ||
| Average total assets | $191,616,250 | 3,261 |
| Average earning assets | $178,028,250 | 3,190 |
| Average equity | $35,811,250 | 1,866 |
| Average total loans | $88,043,000 | 4,168 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 7,360 |
| Cost of funding earning assets | 1.1254% | 5,547 |
| Net interest margin | 2.8817% | 7,028 |
| Noninterest income to average assets | 0.3153% | 5,635 |
| Noninterest expense to average assets | 1.7510% | 7,456 |
| Loan and lease loss provision to assets | 2.9274% | 342 |
| Net operating income to assets | -1.7417% | 7,241 |
| Return on assets (ROA) | -1.7365% | 7,247 |
| Pretax return on assets | -1.6805% | 7,140 |
| Return on Equity (ROE) | -9.3796% | 6,945 |
| Retained earnings to average equity (ytd only) | -9.3796% | 6,888 |
| Net charge-offs to loans | 2.2238% | 803 |
| Credit loss provision to net charge-offs | 287.3727% | 1,294 |
| Earnings coverage of net charge-offs (x) | 1.2189% | 4,589 |
| Efficiency ratio | 58.5095% | 6,305 |
| Assets per employee ($millions) | 5.7606% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8127% | 114 |
| Loan loss allowance to noncurrent loans | 68.0422% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 5.6565% | 1,071 |
| Noncurrent loans to loans | 8.5428% | 577 |
| Net loans and leases to total assets | 42.8661% | 6,991 |
| Net loans and leases to deposits | 53.2587% | 6,908 |
| Net loans and leases to core deposits | 63.9362% | 6,406 |
| Total domestic deposits to total assets | 80.4865% | 5,565 |
| Equity capital to assets | 18.2721% | 387 |
| Core capital (leverage) ratio | 16.6120% | 483 |
| Tier 1 risk-based capital ratio | 29.0391% | 568 |
| Total risk-based capital ratio | 30.3287% | 554 |
| Memoranda: | ||
| Average total assets | $192,802,000 | 3,262 |
| Average earning assets | $179,128,670 | 3,203 |
| Average equity | $35,694,670 | 1,869 |
| Average total loans | $88,318,670 | 4,192 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 7,423 |
| Cost of funding earning assets | 1.1403% | 5,701 |
| Net interest margin | 2.9017% | 7,020 |
| Noninterest income to average assets | 0.2019% | 6,520 |
| Noninterest expense to average assets | 1.5472% | 7,690 |
| Loan and lease loss provision to assets | 0.3029% | 3,614 |
| Net operating income to assets | 0.9642% | 2,317 |
| Return on assets (ROA) | 0.9642% | 2,380 |
| Pretax return on assets | 1.0466% | 2,913 |
| Return on Equity (ROE) | 5.1749% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.1749% | 3,057 |
| Net charge-offs to loans | 0.1973% | 3,727 |
| Credit loss provision to net charge-offs | 334.0909% | 1,192 |
| Earnings coverage of net charge-offs (x) | 14.8864% | 1,405 |
| Efficiency ratio | 53.4139% | 7,029 |
| Assets per employee ($millions) | 5.9897% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7016% | 468 |
| Loan loss allowance to noncurrent loans | 37.8783% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 6.2916% | 926 |
| Noncurrent loans to loans | 9.7724% | 439 |
| Net loans and leases to total assets | 43.3277% | 7,042 |
| Net loans and leases to deposits | 53.8917% | 6,923 |
| Net loans and leases to core deposits | 64.9064% | 6,385 |
| Total domestic deposits to total assets | 80.3978% | 5,656 |
| Equity capital to assets | 18.4381% | 382 |
| Core capital (leverage) ratio | 17.7780% | 381 |
| Tier 1 risk-based capital ratio | 29.3322% | 562 |
| Total risk-based capital ratio | 30.6009% | 545 |
| Memoranda: | ||
| Average total assets | $194,153,500 | 3,299 |
| Average earning assets | $180,310,000 | 3,246 |
| Average equity | $36,174,500 | 1,856 |
| Average total loans | $89,219,500 | 4,222 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 7,513 |
| Cost of funding earning assets | 1.4294% | 5,809 |
| Net interest margin | 2.9304% | 6,799 |
| Noninterest income to average assets | 0.6921% | 3,030 |
| Noninterest expense to average assets | 2.1501% | 7,084 |
| Loan and lease loss provision to assets | 2.3377% | 870 |
| Net operating income to assets | -1.0503% | 6,610 |
| Return on assets (ROA) | -1.0462% | 6,610 |
| Pretax return on assets | -1.0903% | 6,468 |
| Return on Equity (ROE) | -5.4234% | 6,252 |
| Retained earnings to average equity (ytd only) | -5.4234% | 6,076 |
| Net charge-offs to loans | 4.0540% | 403 |
| Credit loss provision to net charge-offs | 113.1913% | 4,845 |
| Earnings coverage of net charge-offs (x) | 0.6020% | 5,505 |
| Efficiency ratio | 63.3627% | 5,899 |
| Assets per employee ($millions) | 5.9577% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5629% | 506 |
| Loan loss allowance to noncurrent loans | 35.3862% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 6.8913% | 742 |
| Noncurrent loans to loans | 10.0687% | 407 |
| Net loans and leases to total assets | 45.2755% | 7,034 |
| Net loans and leases to deposits | 56.6750% | 6,879 |
| Net loans and leases to core deposits | 83.5618% | 5,759 |
| Total domestic deposits to total assets | 79.8863% | 5,703 |
| Equity capital to assets | 18.8328% | 381 |
| Core capital (leverage) ratio | 17.8616% | 417 |
| Tier 1 risk-based capital ratio | 28.7252% | 596 |
| Total risk-based capital ratio | 29.9928% | 581 |
| Memoranda: | ||
| Average total assets | $190,872,800 | 3,278 |
| Average earning assets | $175,946,200 | 3,269 |
| Average equity | $36,821,600 | 1,827 |
| Average total loans | $97,238,400 | 4,030 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 7,598 |
| Cost of funding earning assets | 1.4809% | 5,909 |
| Net interest margin | 2.9307% | 6,777 |
| Noninterest income to average assets | 0.4197% | 5,136 |
| Noninterest expense to average assets | 2.1767% | 7,031 |
| Loan and lease loss provision to assets | 0.6557% | 2,784 |
| Net operating income to assets | 0.2692% | 4,907 |
| Return on assets (ROA) | 0.2751% | 4,987 |
| Pretax return on assets | 0.2926% | 5,083 |
| Return on Equity (ROE) | 1.4178% | 5,365 |
| Retained earnings to average equity (ytd only) | 1.4178% | 4,523 |
| Net charge-offs to loans | 0.5122% | 3,165 |
| Credit loss provision to net charge-offs | 246.4567% | 1,758 |
| Earnings coverage of net charge-offs (x) | 3.5407% | 3,487 |
| Efficiency ratio | 69.7940% | 4,631 |
| Assets per employee ($millions) | 5.7960% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3454% | 482 |
| Loan loss allowance to noncurrent loans | 29.4381% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 6.3560% | 808 |
| Noncurrent loans to loans | 11.3642% | 307 |
| Net loans and leases to total assets | 48.7455% | 6,888 |
| Net loans and leases to deposits | 62.1324% | 6,662 |
| Net loans and leases to core deposits | 92.6061% | 5,178 |
| Total domestic deposits to total assets | 78.4542% | 5,966 |
| Equity capital to assets | 19.9794% | 341 |
| Core capital (leverage) ratio | 19.0219% | 377 |
| Tier 1 risk-based capital ratio | 29.7314% | 581 |
| Total risk-based capital ratio | 30.9982% | 568 |
| Memoranda: | ||
| Average total assets | $190,929,500 | 3,305 |
| Average earning assets | $175,838,000 | 3,300 |
| Average equity | $37,051,000 | 1,834 |
| Average total loans | $99,171,750 | 4,011 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 7,704 |
| Cost of funding earning assets | 1.5459% | 5,944 |
| Net interest margin | 2.8610% | 6,881 |
| Noninterest income to average assets | 0.4213% | 5,109 |
| Noninterest expense to average assets | 1.8258% | 7,715 |
| Loan and lease loss provision to assets | 0.9842% | 1,711 |
| Net operating income to assets | 0.1845% | 5,319 |
| Return on assets (ROA) | 0.1845% | 5,400 |
| Pretax return on assets | 0.2222% | 5,406 |
| Return on Equity (ROE) | 0.9601% | 5,645 |
| Retained earnings to average equity (ytd only) | 0.9601% | 4,798 |
| Net charge-offs to loans | 0.5316% | 2,731 |
| Credit loss provision to net charge-offs | 353.0075% | 1,313 |
| Earnings coverage of net charge-offs (x) | 4.3271% | 3,134 |
| Efficiency ratio | 60.2143% | 6,513 |
| Assets per employee ($millions) | 5.6484% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3595% | 422 |
| Loan loss allowance to noncurrent loans | 34.3086% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 5.2628% | 967 |
| Noncurrent loans to loans | 9.7919% | 367 |
| Net loans and leases to total assets | 50.0596% | 6,865 |
| Net loans and leases to deposits | 63.1477% | 6,640 |
| Net loans and leases to core deposits | 91.0605% | 5,439 |
| Total domestic deposits to total assets | 79.2738% | 5,726 |
| Equity capital to assets | 19.1932% | 440 |
| Core capital (leverage) ratio | 19.0936% | 411 |
| Tier 1 risk-based capital ratio | 29.0210% | 667 |
| Total risk-based capital ratio | 30.2881% | 641 |
| Memoranda: | ||
| Average total assets | $190,817,000 | 3,334 |
| Average earning assets | $174,136,000 | 3,343 |
| Average equity | $36,663,330 | 1,861 |
| Average total loans | $100,075,330 | 4,016 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 7,392 |
| Cost of funding earning assets | 1.6589% | 5,779 |
| Net interest margin | 3.1249% | 6,125 |
| Noninterest income to average assets | 0.4500% | 4,769 |
| Noninterest expense to average assets | 1.5205% | 7,975 |
| Loan and lease loss provision to assets | 1.4048% | 907 |
| Net operating income to assets | 0.3197% | 5,216 |
| Return on assets (ROA) | 0.3197% | 5,386 |
| Pretax return on assets | 0.3176% | 5,632 |
| Return on Equity (ROE) | 1.6628% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.6628% | 4,915 |
| Net charge-offs to loans | 0.0558% | 4,686 |
| Credit loss provision to net charge-offs | 4,771.4286% | 152 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 655 |
| Efficiency ratio | 46.8872% | 7,797 |
| Assets per employee ($millions) | 5.5982% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3217% | 372 |
| Loan loss allowance to noncurrent loans | 37.3959% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 4.8356% | 957 |
| Noncurrent loans to loans | 8.8824% | 371 |
| Net loans and leases to total assets | 50.8133% | 6,782 |
| Net loans and leases to deposits | 64.0200% | 6,561 |
| Net loans and leases to core deposits | 90.2076% | 5,534 |
| Total domestic deposits to total assets | 79.3709% | 5,584 |
| Equity capital to assets | 19.1113% | 479 |
| Core capital (leverage) ratio | 19.4926% | 421 |
| Tier 1 risk-based capital ratio | 27.9404% | 755 |
| Total risk-based capital ratio | 29.2065% | 738 |
| Memoranda: | ||
| Average total assets | $190,202,000 | 3,359 |
| Average earning assets | $169,990,000 | 3,425 |
| Average equity | $36,565,000 | 1,868 |
| Average total loans | $100,373,000 | 4,019 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3556% | 7,526 |
| Cost of funding earning assets | 2.3574% | 4,903 |
| Net interest margin | 2.9982% | 6,924 |
| Noninterest income to average assets | 0.4512% | 5,030 |
| Noninterest expense to average assets | 1.6526% | 7,910 |
| Loan and lease loss provision to assets | 2.9182% | 317 |
| Net operating income to assets | -1.2587% | 7,369 |
| Return on assets (ROA) | -1.2568% | 7,311 |
| Pretax return on assets | -1.3449% | 7,186 |
| Return on Equity (ROE) | -6.4301% | 6,992 |
| Retained earnings to average equity (ytd only) | -15.4418% | 7,485 |
| Net charge-offs to loans | 4.9278% | 107 |
| Credit loss provision to net charge-offs | 111.9213% | 4,819 |
| Earnings coverage of net charge-offs (x) | 0.6026% | 5,862 |
| Efficiency ratio | 51.2614% | 7,569 |
| Assets per employee ($millions) | 5.5902% | 1,393 |
| Cash dividends to net income (ytd only)* | -140.1484% | 8,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6503% | 586 |
| Loan loss allowance to noncurrent loans | 37.8099% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 3.8834% | 1,079 |
| Noncurrent loans to loans | 7.0095% | 434 |
| Net loans and leases to total assets | 51.5805% | 6,884 |
| Net loans and leases to deposits | 65.2844% | 6,693 |
| Net loans and leases to core deposits | 92.2866% | 5,608 |
| Total domestic deposits to total assets | 79.0089% | 5,376 |
| Equity capital to assets | 19.3375% | 517 |
| Core capital (leverage) ratio | 19.4175% | 479 |
| Tier 1 risk-based capital ratio | 27.4339% | 799 |
| Total risk-based capital ratio | 28.6936% | 775 |
| Memoranda: | ||
| Average total assets | $193,030,400 | 3,226 |
| Average earning assets | $178,504,200 | 3,200 |
| Average equity | $37,728,800 | 1,791 |
| Average total loans | $102,135,200 | 3,891 |