Home > The Citizens State Bank > Performance and Condition Ratios
The Citizens State Bank, Performance and Condition Ratios
| 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 | 3.6946% | 4,683 |
| Cost of funding earning assets | 0.6374% | 3,472 |
| Net interest margin | 3.0572% | 4,438 |
| Noninterest income to average assets | 2.8671% | 161 |
| Noninterest expense to average assets | 10.6929% | 64 |
| Loan and lease loss provision to assets | 0.2746% | 646 |
| Net operating income to assets | -5.2817% | 5,164 |
| Return on assets (ROA) | -5.2433% | 5,164 |
| Pretax return on assets | -5.2433% | 5,164 |
| Return on Equity (ROE) | -26.5961% | 5,159 |
| Retained earnings to average equity (ytd only) | -26.5961% | 5,153 |
| Net charge-offs to loans | 0.5789% | 320 |
| Credit loss provision to net charge-offs | 125.3247% | 2,037 |
| Earnings coverage of net charge-offs (x) | -22.8506% | 3,703 |
| Efficiency ratio | 188.0631% | 22 |
| Assets per employee ($millions) | 2.2571% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3671% | 93 |
| Loan loss allowance to noncurrent loans | 33.8104% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 4.9894% | 63 |
| Noncurrent loans to loans | 9.9588% | 25 |
| Net loans and leases to total assets | 42.7425% | 4,650 |
| Net loans and leases to deposits | 57.3824% | 4,395 |
| Net loans and leases to core deposits | 58.8002% | 4,492 |
| Total domestic deposits to total assets | 74.4871% | 4,739 |
| Equity capital to assets | 22.2974% | 175 |
| Core capital (leverage) ratio | 22.9145% | 158 |
| Tier 1 risk-based capital ratio | 44.6476% | 180 |
| Total risk-based capital ratio | 45.9171% | 178 |
| Memoranda: | ||
| Average total assets | $70,280,000 | 4,424 |
| Average earning assets | $64,797,200 | 4,423 |
| Average equity | $13,855,400 | 3,771 |
| Average total loans | $26,601,200 | 4,719 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 4,821 |
| Cost of funding earning assets | 0.6807% | 3,306 |
| Net interest margin | 2.9807% | 4,646 |
| Noninterest income to average assets | 2.3740% | 211 |
| Noninterest expense to average assets | 12.1963% | 54 |
| Loan and lease loss provision to assets | 0.3589% | 366 |
| Net operating income to assets | -7.4209% | 5,252 |
| Return on assets (ROA) | -7.4209% | 5,252 |
| Pretax return on assets | -7.4209% | 5,252 |
| Return on Equity (ROE) | -38.6570% | 5,246 |
| Retained earnings to average equity (ytd only) | -38.6570% | 5,238 |
| Net charge-offs to loans | 0.7921% | 201 |
| Credit loss provision to net charge-offs | 123.8994% | 1,900 |
| Earnings coverage of net charge-offs (x) | -24.3779% | 3,441 |
| Efficiency ratio | 237.5444% | 16 |
| Assets per employee ($millions) | 2.2560% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4058% | 93 |
| Loan loss allowance to noncurrent loans | 32.6966% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 5.3421% | 65 |
| Noncurrent loans to loans | 10.4163% | 25 |
| Net loans and leases to total assets | 43.8999% | 4,695 |
| Net loans and leases to deposits | 59.5221% | 4,401 |
| Net loans and leases to core deposits | 62.6677% | 4,432 |
| Total domestic deposits to total assets | 73.7540% | 4,826 |
| Equity capital to assets | 22.5758% | 166 |
| Core capital (leverage) ratio | 20.9324% | 206 |
| Tier 1 risk-based capital ratio | 40.4995% | 235 |
| Total risk-based capital ratio | 41.7698% | 232 |
| Memoranda: | ||
| Average total assets | $73,179,000 | 4,439 |
| Average earning assets | $67,767,000 | 4,428 |
| Average equity | $14,048,000 | 3,775 |
| Average total loans | $26,762,250 | 4,782 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5981% | 4,932 |
| Cost of funding earning assets | 0.7093% | 3,116 |
| Net interest margin | 2.8888% | 4,833 |
| Noninterest income to average assets | 0.3935% | 3,310 |
| Noninterest expense to average assets | 17.5012% | 41 |
| Loan and lease loss provision to assets | 0.5002% | 234 |
| Net operating income to assets | -14.9191% | 5,302 |
| Return on assets (ROA) | -14.9191% | 5,302 |
| Pretax return on assets | -14.9191% | 5,302 |
| Return on Equity (ROE) | -81.1248% | 5,296 |
| Retained earnings to average equity (ytd only) | -81.1248% | 5,292 |
| Net charge-offs to loans | 0.7001% | 217 |
| Credit loss provision to net charge-offs | 207.3684% | 1,172 |
| Earnings coverage of net charge-offs (x) | -59.7789% | 3,163 |
| Efficiency ratio | 567.7924% | 5 |
| Assets per employee ($millions) | 2.9003% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5255% | 85 |
| Loan loss allowance to noncurrent loans | 26.2539% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 5.4160% | 66 |
| Noncurrent loans to loans | 13.4284% | 13 |
| Net loans and leases to total assets | 35.3635% | 4,997 |
| Net loans and leases to deposits | 47.2994% | 4,868 |
| Net loans and leases to core deposits | 63.9347% | 4,416 |
| Total domestic deposits to total assets | 74.7652% | 4,783 |
| Equity capital to assets | 15.0234% | 801 |
| Core capital (leverage) ratio | 14.1302% | 929 |
| Tier 1 risk-based capital ratio | 30.2047% | 476 |
| Total risk-based capital ratio | 31.4729% | 470 |
| Memoranda: | ||
| Average total assets | $78,771,670 | 4,396 |
| Average earning assets | $73,316,670 | 4,385 |
| Average equity | $14,486,330 | 3,724 |
| Average total loans | $27,138,670 | 4,803 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 4,977 |
| Cost of funding earning assets | 0.6800% | 3,150 |
| Net interest margin | 2.9082% | 4,869 |
| Noninterest income to average assets | 0.2784% | 4,020 |
| Noninterest expense to average assets | 3.3503% | 1,198 |
| Loan and lease loss provision to assets | 0.3956% | 295 |
| Net operating income to assets | -0.7521% | 5,272 |
| Return on assets (ROA) | -0.7521% | 5,268 |
| Pretax return on assets | -0.7521% | 5,262 |
| Return on Equity (ROE) | -3.7831% | 5,251 |
| Retained earnings to average equity (ytd only) | -3.7831% | 4,851 |
| Net charge-offs to loans | 0.6711% | 225 |
| Credit loss provision to net charge-offs | 176.0870% | 1,132 |
| Earnings coverage of net charge-offs (x) | -1.5870% | 2,697 |
| Efficiency ratio | 111.9086% | 97 |
| Assets per employee ($millions) | 3.1607% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1533% | 113 |
| Loan loss allowance to noncurrent loans | 33.9578% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 3.3774% | 162 |
| Noncurrent loans to loans | 9.2860% | 31 |
| Net loans and leases to total assets | 35.2242% | 5,041 |
| Net loans and leases to deposits | 46.5481% | 4,914 |
| Net loans and leases to core deposits | 61.7062% | 4,501 |
| Total domestic deposits to total assets | 75.6726% | 4,798 |
| Equity capital to assets | 21.5076% | 183 |
| Core capital (leverage) ratio | 20.7786% | 209 |
| Tier 1 risk-based capital ratio | 46.7487% | 156 |
| Total risk-based capital ratio | 48.0135% | 156 |
| Memoranda: | ||
| Average total assets | $81,904,000 | 4,385 |
| Average earning assets | $76,474,500 | 4,363 |
| Average equity | $16,283,000 | 3,554 |
| Average total loans | $27,419,000 | 4,854 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0687% | 5,202 |
| Cost of funding earning assets | 0.8835% | 1,158 |
| Net interest margin | 2.1853% | 5,305 |
| Noninterest income to average assets | -0.6864% | 5,399 |
| Noninterest expense to average assets | 2.0823% | 4,605 |
| Loan and lease loss provision to assets | -2.4960% | 5,406 |
| Net operating income to assets | 1.7884% | 564 |
| Return on assets (ROA) | 1.7884% | 562 |
| Pretax return on assets | 1.7884% | 951 |
| Return on Equity (ROE) | 11.8109% | 1,783 |
| Retained earnings to average equity (ytd only) | 11.8109% | 335 |
| Net charge-offs to loans | 0.2052% | 933 |
| Credit loss provision to net charge-offs | -2,917.6471% | 4,880 |
| Earnings coverage of net charge-offs (x) | -8.2706% | 3,752 |
| Efficiency ratio | 151.4641% | 26 |
| Assets per employee ($millions) | 3.3827% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0644% | 125 |
| Loan loss allowance to noncurrent loans | 20.8022% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 4.5639% | 80 |
| Noncurrent loans to loans | 14.7314% | 12 |
| Net loans and leases to total assets | 30.0315% | 5,208 |
| Net loans and leases to deposits | 37.9868% | 5,155 |
| Net loans and leases to core deposits | 60.8104% | 4,594 |
| Total domestic deposits to total assets | 79.0577% | 4,303 |
| Equity capital to assets | 18.4773% | 305 |
| Core capital (leverage) ratio | 18.8469% | 268 |
| Tier 1 risk-based capital ratio | 44.3698% | 181 |
| Total risk-based capital ratio | 45.6321% | 179 |
| Memoranda: | ||
| Average total assets | $99,360,000 | 4,110 |
| Average earning assets | $93,719,000 | 4,070 |
| Average equity | $15,045,400 | 3,638 |
| Average total loans | $41,427,400 | 4,512 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0130% | 5,281 |
| Cost of funding earning assets | 0.9021% | 913 |
| Net interest margin | 2.1109% | 5,393 |
| Noninterest income to average assets | -0.6640% | 5,472 |
| Noninterest expense to average assets | 3.3537% | 1,192 |
| Loan and lease loss provision to assets | -3.2820% | 5,477 |
| Net operating income to assets | 1.2575% | 2,012 |
| Return on assets (ROA) | 1.2575% | 2,019 |
| Pretax return on assets | 1.2575% | 2,783 |
| Return on Equity (ROE) | 8.7174% | 3,232 |
| Retained earnings to average equity (ytd only) | 8.7174% | 1,335 |
| Net charge-offs to loans | 0.0830% | 1,690 |
| Credit loss provision to net charge-offs | -8,985.7143% | 4,901 |
| Earnings coverage of net charge-offs (x) | -55.4321% | 3,481 |
| Efficiency ratio | 252.3062% | 10 |
| Assets per employee ($millions) | 3.4213% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0449% | 133 |
| Loan loss allowance to noncurrent loans | 30.3470% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 3.3017% | 196 |
| Noncurrent loans to loans | 10.0338% | 31 |
| Net loans and leases to total assets | 31.9038% | 5,245 |
| Net loans and leases to deposits | 40.6925% | 5,191 |
| Net loans and leases to core deposits | 65.8113% | 4,415 |
| Total domestic deposits to total assets | 78.4022% | 4,421 |
| Equity capital to assets | 17.8179% | 351 |
| Core capital (leverage) ratio | 17.3817% | 383 |
| Tier 1 risk-based capital ratio | 42.4442% | 198 |
| Total risk-based capital ratio | 43.7067% | 192 |
| Memoranda: | ||
| Average total assets | $102,212,250 | 4,104 |
| Average earning assets | $96,512,250 | 4,068 |
| Average equity | $14,744,000 | 3,694 |
| Average total loans | $44,972,250 | 4,483 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8412% | 5,394 |
| Cost of funding earning assets | 0.9248% | 651 |
| Net interest margin | 1.9163% | 5,478 |
| Noninterest income to average assets | -0.6411% | 5,533 |
| Noninterest expense to average assets | 3.3035% | 1,313 |
| Loan and lease loss provision to assets | -4.3466% | 5,541 |
| Net operating income to assets | 2.2141% | 249 |
| Return on assets (ROA) | 2.2141% | 240 |
| Pretax return on assets | 2.2141% | 378 |
| Return on Equity (ROE) | 16.2005% | 633 |
| Retained earnings to average equity (ytd only) | 16.2005% | 150 |
| Net charge-offs to loans | 0.1304% | 1,138 |
| Credit loss provision to net charge-offs | -7,109.0909% | 4,780 |
| Earnings coverage of net charge-offs (x) | -34.8788% | 3,197 |
| Efficiency ratio | 282.1203% | 8 |
| Assets per employee ($millions) | 3.8394% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4554% | 84 |
| Loan loss allowance to noncurrent loans | 35.1444% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.9131% | 260 |
| Noncurrent loans to loans | 9.8320% | 30 |
| Net loans and leases to total assets | 28.6053% | 5,353 |
| Net loans and leases to deposits | 35.2644% | 5,333 |
| Net loans and leases to core deposits | 66.1823% | 4,361 |
| Total domestic deposits to total assets | 81.1168% | 3,962 |
| Equity capital to assets | 15.6065% | 574 |
| Core capital (leverage) ratio | 15.4270% | 583 |
| Tier 1 risk-based capital ratio | 32.4055% | 397 |
| Total risk-based capital ratio | 33.6650% | 393 |
| Memoranda: | ||
| Average total assets | $107,946,330 | 4,050 |
| Average earning assets | $102,070,670 | 4,015 |
| Average equity | $14,752,670 | 3,710 |
| Average total loans | $50,628,670 | 4,389 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0655% | 5,335 |
| Cost of funding earning assets | 0.9575% | 454 |
| Net interest margin | 2.1080% | 5,524 |
| Noninterest income to average assets | 1.9189% | 285 |
| Noninterest expense to average assets | 5.6101% | 163 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.7009% | 5,561 |
| Return on assets (ROA) | -1.7009% | 5,559 |
| Pretax return on assets | -1.7009% | 5,557 |
| Return on Equity (ROE) | -13.5237% | 5,551 |
| Retained earnings to average equity (ytd only) | -13.5237% | 5,431 |
| Net charge-offs to loans | 1.6221% | 83 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -1.9194% | 2,679 |
| Efficiency ratio | 143.5101% | 36 |
| Assets per employee ($millions) | 3.9990% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9988% | 10 |
| Loan loss allowance to noncurrent loans | 102.8050% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 3.2228% | 234 |
| Noncurrent loans to loans | 8.7532% | 38 |
| Net loans and leases to total assets | 31.8830% | 5,326 |
| Net loans and leases to deposits | 38.5215% | 5,306 |
| Net loans and leases to core deposits | 72.1023% | 3,947 |
| Total domestic deposits to total assets | 82.7667% | 3,739 |
| Equity capital to assets | 13.7414% | 971 |
| Core capital (leverage) ratio | 11.1038% | 2,329 |
| Tier 1 risk-based capital ratio | 24.6118% | 782 |
| Total risk-based capital ratio | 25.9159% | 762 |
| Memoranda: | ||
| Average total assets | $111,941,500 | 4,030 |
| Average earning assets | $105,693,000 | 3,992 |
| Average equity | $14,079,000 | 3,819 |
| Average total loans | $61,154,500 | 4,173 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7817% | 43 |
| Cost of funding earning assets | 0.7773% | 707 |
| Net interest margin | 7.0044% | 41 |
| Noninterest income to average assets | 11.9673% | 53 |
| Noninterest expense to average assets | 19.8414% | 37 |
| Loan and lease loss provision to assets | 9.0566% | 4 |
| Net operating income to assets | -10.2893% | 5,667 |
| Return on assets (ROA) | -10.2893% | 5,667 |
| Pretax return on assets | -10.2893% | 5,667 |
| Return on Equity (ROE) | -88.5610% | 5,665 |
| Retained earnings to average equity (ytd only) | -88.5610% | 5,665 |
| Net charge-offs to loans | 9.6727% | 4 |
| Credit loss provision to net charge-offs | 119.4567% | 2,191 |
| Earnings coverage of net charge-offs (x) | -0.1626% | 4,023 |
| Efficiency ratio | 106.6238% | 118 |
| Assets per employee ($millions) | 4.5171% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8126% | 71 |
| Loan loss allowance to noncurrent loans | 156.1782% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.8446% | 656 |
| Noncurrent loans to loans | 2.4412% | 561 |
| Net loans and leases to total assets | 67.8202% | 2,845 |
| Net loans and leases to deposits | 83.0050% | 2,612 |
| Net loans and leases to core deposits | 195.1696% | 41 |
| Total domestic deposits to total assets | 81.7062% | 3,942 |
| Equity capital to assets | 13.4353% | 1,085 |
| Core capital (leverage) ratio | 11.5576% | 1,904 |
| Tier 1 risk-based capital ratio | 21.1667% | 1,119 |
| Total risk-based capital ratio | 22.4529% | 1,087 |
| Memoranda: | ||
| Average total assets | $199,577,200 | 2,926 |
| Average earning assets | $189,238,800 | 2,875 |
| Average equity | $23,187,400 | 2,840 |
| Average total loans | $156,430,600 | 2,584 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3447% | 50 |
| Cost of funding earning assets | 0.7327% | 834 |
| Net interest margin | 6.6120% | 46 |
| Noninterest income to average assets | 12.6474% | 56 |
| Noninterest expense to average assets | 19.4537% | 41 |
| Loan and lease loss provision to assets | 11.0348% | 4 |
| Net operating income to assets | -11.5666% | 5,734 |
| Return on assets (ROA) | -11.5666% | 5,734 |
| Pretax return on assets | -11.5666% | 5,734 |
| Return on Equity (ROE) | -101.8679% | 5,733 |
| Retained earnings to average equity (ytd only) | -101.8679% | 5,732 |
| Net charge-offs to loans | 11.6527% | 3 |
| Credit loss provision to net charge-offs | 119.0806% | 2,012 |
| Earnings coverage of net charge-offs (x) | -0.0574% | 3,697 |
| Efficiency ratio | 102.8108% | 150 |
| Assets per employee ($millions) | 0.6468% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6340% | 227 |
| Loan loss allowance to noncurrent loans | 237.4024% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 1,698 |
| Noncurrent loans to loans | 1.1095% | 1,733 |
| Net loans and leases to total assets | 73.8157% | 1,944 |
| Net loans and leases to deposits | 92.6931% | 1,461 |
| Net loans and leases to core deposits | 305.5149% | 24 |
| Total domestic deposits to total assets | 79.6345% | 4,411 |
| Equity capital to assets | 11.1940% | 2,679 |
| Core capital (leverage) ratio | 11.0257% | 2,432 |
| Tier 1 risk-based capital ratio | 19.7762% | 1,415 |
| Total risk-based capital ratio | 21.0543% | 1,368 |
| Memoranda: | ||
| Average total assets | $217,851,500 | 2,771 |
| Average earning assets | $206,730,250 | 2,720 |
| Average equity | $24,736,000 | 2,713 |
| Average total loans | $173,243,500 | 2,406 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4927% | 76 |
| Cost of funding earning assets | 0.6677% | 1,051 |
| Net interest margin | 5.8250% | 82 |
| Noninterest income to average assets | 11.2708% | 56 |
| Noninterest expense to average assets | 21.1684% | 38 |
| Loan and lease loss provision to assets | 15.1527% | 2 |
| Net operating income to assets | -19.5144% | 5,785 |
| Return on assets (ROA) | -19.5144% | 5,785 |
| Pretax return on assets | -19.5144% | 5,785 |
| Return on Equity (ROE) | -154.4071% | 5,784 |
| Retained earnings to average equity (ytd only) | -154.4071% | 5,782 |
| Net charge-offs to loans | 14.7537% | 3 |
| Credit loss provision to net charge-offs | 127.2945% | 1,705 |
| Earnings coverage of net charge-offs (x) | -0.3664% | 3,422 |
| Efficiency ratio | 125.9526% | 53 |
| Assets per employee ($millions) | 0.6835% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3080% | 122 |
| Loan loss allowance to noncurrent loans | 138.3803% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.9101% | 693 |
| Noncurrent loans to loans | 2.3905% | 655 |
| Net loans and leases to total assets | 73.0726% | 2,027 |
| Net loans and leases to deposits | 89.1372% | 1,847 |
| Net loans and leases to core deposits | 288.6052% | 27 |
| Total domestic deposits to total assets | 81.9776% | 3,896 |
| Equity capital to assets | 8.3435% | 5,389 |
| Core capital (leverage) ratio | 6.7482% | 5,727 |
| Tier 1 risk-based capital ratio | 13.2781% | 3,816 |
| Total risk-based capital ratio | 14.5625% | 3,713 |
| Memoranda: | ||
| Average total assets | $237,977,670 | 2,612 |
| Average earning assets | $226,161,330 | 2,572 |
| Average equity | $30,076,330 | 2,366 |
| Average total loans | $192,005,670 | 2,242 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1808% | 101 |
| Cost of funding earning assets | 0.6556% | 1,051 |
| Net interest margin | 5.5253% | 110 |
| Noninterest income to average assets | 8.5253% | 71 |
| Noninterest expense to average assets | 12.7302% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0753% | 1,960 |
| Return on assets (ROA) | 1.0753% | 2,007 |
| Pretax return on assets | 1.0753% | 3,073 |
| Return on Equity (ROE) | 7.6622% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.6622% | 1,589 |
| Net charge-offs to loans | 0.0090% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 145.2000% | 376 |
| Efficiency ratio | 92.2111% | 442 |
| Assets per employee ($millions) | 1.0393% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2196% | 5,769 |
| Loan loss allowance to noncurrent loans | 16.3702% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 1,712 |
| Noncurrent loans to loans | 1.3413% | 1,508 |
| Net loans and leases to total assets | 78.2507% | 1,098 |
| Net loans and leases to deposits | 102.5551% | 471 |
| Net loans and leases to core deposits | 385.2114% | 19 |
| Total domestic deposits to total assets | 76.3011% | 5,200 |
| Equity capital to assets | 14.6178% | 727 |
| Core capital (leverage) ratio | 14.4368% | 732 |
| Tier 1 risk-based capital ratio | 19.9875% | 1,395 |
| Total risk-based capital ratio | 20.2238% | 1,584 |
| Memoranda: | ||
| Average total assets | $270,067,500 | 2,397 |
| Average earning assets | $258,087,500 | 2,328 |
| Average equity | $37,900,500 | 1,965 |
| Average total loans | $223,009,500 | 2,001 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2322% | 93 |
| Cost of funding earning assets | 0.6819% | 897 |
| Net interest margin | 5.5503% | 100 |
| Noninterest income to average assets | 6.1463% | 96 |
| Noninterest expense to average assets | 9.5662% | 79 |
| Loan and lease loss provision to assets | 0.0160% | 4,054 |
| Net operating income to assets | 1.8941% | 381 |
| Return on assets (ROA) | 1.8992% | 392 |
| Pretax return on assets | 1.8992% | 623 |
| Return on Equity (ROE) | 17.0019% | 403 |
| Retained earnings to average equity (ytd only) | 13.4845% | 149 |
| Net charge-offs to loans | -0.0025% | 4,728 |
| Credit loss provision to net charge-offs | -714.2857% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3561% | 1,069 |
| Assets per employee ($millions) | 1.0997% | 5,860 |
| Cash dividends to net income (ytd only)* | 20.6879% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1895% | 5,832 |
| Loan loss allowance to noncurrent loans | 16.4562% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 1,901 |
| Noncurrent loans to loans | 1.1516% | 1,780 |
| Net loans and leases to total assets | 86.3206% | 218 |
| Net loans and leases to deposits | 102.6140% | 491 |
| Net loans and leases to core deposits | 338.2172% | 23 |
| Total domestic deposits to total assets | 84.1217% | 3,382 |
| Equity capital to assets | 13.4839% | 1,053 |
| Core capital (leverage) ratio | 11.6110% | 1,852 |
| Tier 1 risk-based capital ratio | 16.9826% | 2,164 |
| Total risk-based capital ratio | 17.1895% | 2,507 |
| Memoranda: | ||
| Average total assets | $312,286,200 | 2,104 |
| Average earning assets | $299,892,400 | 2,045 |
| Average equity | $34,884,400 | 2,084 |
| Average total loans | $282,088,600 | 1,611 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8870% | 139 |
| Cost of funding earning assets | 0.6276% | 1,155 |
| Net interest margin | 5.2594% | 153 |
| Noninterest income to average assets | 5.7164% | 110 |
| Noninterest expense to average assets | 8.9195% | 86 |
| Loan and lease loss provision to assets | 0.0145% | 3,958 |
| Net operating income to assets | 1.8362% | 451 |
| Return on assets (ROA) | 1.8428% | 470 |
| Pretax return on assets | 1.8428% | 817 |
| Return on Equity (ROE) | 17.2727% | 423 |
| Retained earnings to average equity (ytd only) | 12.4890% | 254 |
| Net charge-offs to loans | -0.0055% | 4,632 |
| Credit loss provision to net charge-offs | -291.6667% | 4,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8162% | 1,095 |
| Assets per employee ($millions) | 1.8605% | 5,877 |
| Cash dividends to net income (ytd only)* | 27.6951% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1410% | 5,908 |
| Loan loss allowance to noncurrent loans | 15.4486% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8406% | 2,444 |
| Noncurrent loans to loans | 0.9128% | 2,420 |
| Net loans and leases to total assets | 91.2695% | 42 |
| Net loans and leases to deposits | 109.8865% | 260 |
| Net loans and leases to core deposits | 352.3180% | 22 |
| Total domestic deposits to total assets | 83.0580% | 3,566 |
| Equity capital to assets | 10.4852% | 3,582 |
| Core capital (leverage) ratio | 10.4489% | 3,048 |
| Tier 1 risk-based capital ratio | 12.6280% | 4,388 |
| Total risk-based capital ratio | 12.7848% | 4,978 |
| Memoranda: | ||
| Average total assets | $320,800,750 | 2,057 |
| Average earning assets | $308,267,000 | 1,991 |
| Average equity | $34,226,500 | 2,137 |
| Average total loans | $292,454,750 | 1,555 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7948% | 164 |
| Cost of funding earning assets | 0.5982% | 1,330 |
| Net interest margin | 5.1965% | 170 |
| Noninterest income to average assets | 5.2039% | 116 |
| Noninterest expense to average assets | 8.4543% | 91 |
| Loan and lease loss provision to assets | 0.0128% | 3,847 |
| Net operating income to assets | 1.7197% | 562 |
| Return on assets (ROA) | 1.7299% | 576 |
| Pretax return on assets | 1.7299% | 1,027 |
| Return on Equity (ROE) | 16.1118% | 530 |
| Retained earnings to average equity (ytd only) | 8.7893% | 906 |
| Net charge-offs to loans | -0.0141% | 4,812 |
| Credit loss provision to net charge-offs | -100.0000% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9929% | 1,146 |
| Assets per employee ($millions) | 1.9238% | 5,949 |
| Cash dividends to net income (ytd only)* | 45.4478% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1604% | 5,983 |
| Loan loss allowance to noncurrent loans | 32.5926% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 3,707 |
| Noncurrent loans to loans | 0.4921% | 3,604 |
| Net loans and leases to total assets | 90.1084% | 68 |
| Net loans and leases to deposits | 105.2116% | 398 |
| Net loans and leases to core deposits | 334.2119% | 27 |
| Total domestic deposits to total assets | 85.6450% | 2,588 |
| Equity capital to assets | 11.3727% | 2,676 |
| Core capital (leverage) ratio | 11.1164% | 2,311 |
| Tier 1 risk-based capital ratio | 14.6521% | 3,231 |
| Total risk-based capital ratio | 14.8406% | 3,763 |
| Memoranda: | ||
| Average total assets | $312,384,000 | 2,114 |
| Average earning assets | $299,546,000 | 2,059 |
| Average equity | $33,540,670 | 2,169 |
| Average total loans | $284,511,330 | 1,597 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 332 |
| Cost of funding earning assets | 0.5936% | 1,374 |
| Net interest margin | 4.7458% | 397 |
| Noninterest income to average assets | 3.3911% | 175 |
| Noninterest expense to average assets | 6.4132% | 155 |
| Loan and lease loss provision to assets | 0.0063% | 3,595 |
| Net operating income to assets | 1.5174% | 828 |
| Return on assets (ROA) | 1.5376% | 835 |
| Pretax return on assets | 1.5376% | 1,479 |
| Return on Equity (ROE) | 14.7395% | 712 |
| Retained earnings to average equity (ytd only) | -0.1332% | 5,126 |
| Net charge-offs to loans | 0.0028% | 3,026 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 603.0000% | 87 |
| Efficiency ratio | 80.8023% | 1,508 |
| Assets per employee ($millions) | 1.8903% | 6,010 |
| Cash dividends to net income (ytd only)* | 100.9039% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1481% | 6,053 |
| Loan loss allowance to noncurrent loans | 28.5714% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 3,654 |
| Noncurrent loans to loans | 0.5182% | 3,630 |
| Net loans and leases to total assets | 91.3492% | 41 |
| Net loans and leases to deposits | 106.3355% | 328 |
| Net loans and leases to core deposits | 346.5916% | 23 |
| Total domestic deposits to total assets | 85.9066% | 2,708 |
| Equity capital to assets | 11.1288% | 2,799 |
| Core capital (leverage) ratio | 10.5072% | 2,953 |
| Tier 1 risk-based capital ratio | 14.0819% | 3,635 |
| Total risk-based capital ratio | 14.2549% | 4,177 |
| Memoranda: | ||
| Average total assets | $316,598,000 | 2,104 |
| Average earning assets | $303,255,000 | 2,039 |
| Average equity | $33,027,000 | 2,194 |
| Average total loans | $289,602,000 | 1,564 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8705% | 151 |
| Cost of funding earning assets | 0.5601% | 1,676 |
| Net interest margin | 5.3104% | 164 |
| Noninterest income to average assets | 5.1190% | 120 |
| Noninterest expense to average assets | 7.9945% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.2401% | 233 |
| Return on assets (ROA) | 2.2401% | 239 |
| Pretax return on assets | 2.2401% | 319 |
| Return on Equity (ROE) | 23.4839% | 124 |
| Retained earnings to average equity (ytd only) | -0.4378% | 5,579 |
| Net charge-offs to loans | 0.0276% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 91.3827% | 627 |
| Efficiency ratio | 78.1129% | 1,949 |
| Assets per employee ($millions) | 2.1428% | 6,016 |
| Cash dividends to net income (ytd only)* | 101.8644% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1297% | 6,105 |
| Loan loss allowance to noncurrent loans | 32.8125% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 4,105 |
| Noncurrent loans to loans | 0.3952% | 4,039 |
| Net loans and leases to total assets | 91.3443% | 38 |
| Net loans and leases to deposits | 116.8313% | 132 |
| Net loans and leases to core deposits | 426.3106% | 18 |
| Total domestic deposits to total assets | 78.1848% | 5,128 |
| Equity capital to assets | 9.8170% | 4,174 |
| Core capital (leverage) ratio | 9.4710% | 4,220 |
| Tier 1 risk-based capital ratio | 14.0542% | 3,684 |
| Total risk-based capital ratio | 14.2255% | 4,244 |
| Memoranda: | ||
| Average total assets | $330,438,000 | 1,989 |
| Average earning assets | $318,318,800 | 1,900 |
| Average equity | $31,519,400 | 2,224 |
| Average total loans | $293,725,000 | 1,487 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0711% | 126 |
| Cost of funding earning assets | 0.5443% | 1,850 |
| Net interest margin | 5.5268% | 121 |
| Noninterest income to average assets | 4.7886% | 136 |
| Noninterest expense to average assets | 7.7074% | 121 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4150% | 181 |
| Return on assets (ROA) | 2.4150% | 186 |
| Pretax return on assets | 2.4150% | 278 |
| Return on Equity (ROE) | 25.5079% | 108 |
| Retained earnings to average equity (ytd only) | 2.3633% | 4,701 |
| Net charge-offs to loans | 0.0312% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 87.6219% | 704 |
| Efficiency ratio | 76.1422% | 2,226 |
| Assets per employee ($millions) | 2.1778% | 6,092 |
| Cash dividends to net income (ytd only)* | 90.7352% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1327% | 6,196 |
| Loan loss allowance to noncurrent loans | 33.0924% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 4,296 |
| Noncurrent loans to loans | 0.4011% | 4,179 |
| Net loans and leases to total assets | 88.9698% | 93 |
| Net loans and leases to deposits | 101.5154% | 573 |
| Net loans and leases to core deposits | 350.1751% | 23 |
| Total domestic deposits to total assets | 87.6416% | 1,730 |
| Equity capital to assets | 9.6708% | 4,547 |
| Core capital (leverage) ratio | 8.7128% | 5,337 |
| Tier 1 risk-based capital ratio | 14.8946% | 3,347 |
| Total risk-based capital ratio | 15.0782% | 3,893 |
| Memoranda: | ||
| Average total assets | $328,941,000 | 2,011 |
| Average earning assets | $317,452,250 | 1,920 |
| Average equity | $31,142,500 | 2,261 |
| Average total loans | $290,230,000 | 1,507 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 225 |
| Cost of funding earning assets | 0.5138% | 2,127 |
| Net interest margin | 5.1010% | 210 |
| Noninterest income to average assets | 4.2632% | 151 |
| Noninterest expense to average assets | 7.0631% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1387% | 288 |
| Return on assets (ROA) | 2.1387% | 303 |
| Pretax return on assets | 2.1387% | 461 |
| Return on Equity (ROE) | 22.7661% | 168 |
| Retained earnings to average equity (ytd only) | -0.2905% | 5,564 |
| Net charge-offs to loans | 0.0557% | 2,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 43.6456% | 1,061 |
| Efficiency ratio | 76.7577% | 2,235 |
| Assets per employee ($millions) | 1.9546% | 6,221 |
| Cash dividends to net income (ytd only)* | 101.2761% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1174% | 6,270 |
| Loan loss allowance to noncurrent loans | 30.1504% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 4,453 |
| Noncurrent loans to loans | 0.3895% | 4,316 |
| Net loans and leases to total assets | 89.9389% | 67 |
| Net loans and leases to deposits | 100.8872% | 600 |
| Net loans and leases to core deposits | 446.9457% | 22 |
| Total domestic deposits to total assets | 89.1480% | 1,072 |
| Equity capital to assets | 8.7230% | 5,506 |
| Core capital (leverage) ratio | 8.6257% | 5,407 |
| Tier 1 risk-based capital ratio | 14.0672% | 3,887 |
| Total risk-based capital ratio | 14.2390% | 4,442 |
| Memoranda: | ||
| Average total assets | $322,437,330 | 2,061 |
| Average earning assets | $312,171,670 | 1,965 |
| Average equity | $30,290,670 | 2,320 |
| Average total loans | $283,497,000 | 1,540 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 2,070 |
| Cost of funding earning assets | 0.4853% | 2,417 |
| Net interest margin | 3.8230% | 2,158 |
| Noninterest income to average assets | 2.9517% | 223 |
| Noninterest expense to average assets | 5.0234% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6255% | 687 |
| Return on assets (ROA) | 1.6255% | 717 |
| Pretax return on assets | 1.6255% | 1,207 |
| Return on Equity (ROE) | 16.5409% | 515 |
| Retained earnings to average equity (ytd only) | -17.7313% | 6,252 |
| Net charge-offs to loans | 0.0581% | 2,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 32.2973% | 1,103 |
| Efficiency ratio | 75.5524% | 2,574 |
| Assets per employee ($millions) | 2.1839% | 6,235 |
| Cash dividends to net income (ytd only)* | 207.1967% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1585% | 6,332 |
| Loan loss allowance to noncurrent loans | 34.7724% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 4,464 |
| Noncurrent loans to loans | 0.4560% | 4,218 |
| Net loans and leases to total assets | 82.9454% | 379 |
| Net loans and leases to deposits | 92.3912% | 1,143 |
| Net loans and leases to core deposits | 374.8787% | 24 |
| Total domestic deposits to total assets | 89.7763% | 856 |
| Equity capital to assets | 8.4067% | 5,800 |
| Core capital (leverage) ratio | 9.9303% | 3,698 |
| Tier 1 risk-based capital ratio | 11.9691% | 5,259 |
| Total risk-based capital ratio | 12.1589% | 5,775 |
| Memoranda: | ||
| Average total assets | $294,064,500 | 2,226 |
| Average earning assets | $284,380,500 | 2,147 |
| Average equity | $28,898,000 | 2,437 |
| Average total loans | $254,528,500 | 1,709 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 3,088 |
| Cost of funding earning assets | 0.5820% | 1,932 |
| Net interest margin | 3.5773% | 3,481 |
| Noninterest income to average assets | 0.1835% | 5,760 |
| Noninterest expense to average assets | 1.6816% | 6,174 |
| Loan and lease loss provision to assets | 0.0031% | 4,542 |
| Net operating income to assets | 1.9252% | 379 |
| Return on assets (ROA) | 1.9334% | 382 |
| Pretax return on assets | 1.9334% | 589 |
| Return on Equity (ROE) | 17.8832% | 407 |
| Retained earnings to average equity (ytd only) | 8.2921% | 914 |
| Net charge-offs to loans | -0.0005% | 5,321 |
| Credit loss provision to net charge-offs | -800.0000% | 5,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5828% | 6,243 |
| Assets per employee ($millions) | 8.6829% | 402 |
| Cash dividends to net income (ytd only)* | 53.6316% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2090% | 6,413 |
| Loan loss allowance to noncurrent loans | 33.0579% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 3,836 |
| Noncurrent loans to loans | 0.6323% | 3,790 |
| Net loans and leases to total assets | 91.0105% | 48 |
| Net loans and leases to deposits | 106.1956% | 348 |
| Net loans and leases to core deposits | 350.9733% | 26 |
| Total domestic deposits to total assets | 85.7008% | 2,985 |
| Equity capital to assets | 11.7242% | 2,233 |
| Core capital (leverage) ratio | 10.3232% | 3,139 |
| Tier 1 risk-based capital ratio | 12.4662% | 5,049 |
| Total risk-based capital ratio | 12.6710% | 5,626 |
| Memoranda: | ||
| Average total assets | $257,786,600 | 2,455 |
| Average earning assets | $246,915,800 | 2,372 |
| Average equity | $27,869,800 | 2,420 |
| Average total loans | $214,320,600 | 1,940 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 3,978 |
| Cost of funding earning assets | 0.5684% | 2,120 |
| Net interest margin | 3.3796% | 4,317 |
| Noninterest income to average assets | 0.1666% | 5,924 |
| Noninterest expense to average assets | 1.5833% | 6,301 |
| Loan and lease loss provision to assets | 0.0041% | 4,331 |
| Net operating income to assets | 1.8111% | 508 |
| Return on assets (ROA) | 1.8219% | 510 |
| Pretax return on assets | 1.8219% | 850 |
| Return on Equity (ROE) | 17.2048% | 527 |
| Retained earnings to average equity (ytd only) | 4.2247% | 3,646 |
| Net charge-offs to loans | 0.0013% | 4,668 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 1,762.7528% | 28 |
| Efficiency ratio | 46.5880% | 6,260 |
| Assets per employee ($millions) | 10.2134% | 225 |
| Cash dividends to net income (ytd only)* | 75.4445% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1903% | 6,497 |
| Loan loss allowance to noncurrent loans | 33.9019% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 4,409 |
| Noncurrent loans to loans | 0.5612% | 4,235 |
| Net loans and leases to total assets | 84.4823% | 306 |
| Net loans and leases to deposits | 94.9830% | 961 |
| Net loans and leases to core deposits | 318.6400% | 27 |
| Total domestic deposits to total assets | 88.9446% | 1,269 |
| Equity capital to assets | 9.4682% | 4,831 |
| Core capital (leverage) ratio | 9.4393% | 4,453 |
| Tier 1 risk-based capital ratio | 10.5535% | 6,190 |
| Total risk-based capital ratio | 10.7348% | 6,414 |
| Memoranda: | ||
| Average total assets | $259,282,250 | 2,457 |
| Average earning assets | $247,954,250 | 2,380 |
| Average equity | $27,456,750 | 2,453 |
| Average total loans | $210,488,750 | 1,980 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 5,121 |
| Cost of funding earning assets | 0.5699% | 2,164 |
| Net interest margin | 3.0406% | 5,415 |
| Noninterest income to average assets | 0.1652% | 5,961 |
| Noninterest expense to average assets | 1.3807% | 6,487 |
| Loan and lease loss provision to assets | 0.0065% | 4,107 |
| Net operating income to assets | 1.6771% | 604 |
| Return on assets (ROA) | 1.6771% | 642 |
| Pretax return on assets | 1.6771% | 1,066 |
| Return on Equity (ROE) | 15.1939% | 762 |
| Retained earnings to average equity (ytd only) | 3.2794% | 4,118 |
| Net charge-offs to loans | -0.0101% | 5,327 |
| Credit loss provision to net charge-offs | -80.0000% | 5,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0581% | 6,386 |
| Assets per employee ($millions) | 10.0833% | 227 |
| Cash dividends to net income (ytd only)* | 78.4162% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2599% | 6,550 |
| Loan loss allowance to noncurrent loans | 34.1242% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5561% | 4,323 |
| Noncurrent loans to loans | 0.7617% | 3,799 |
| Net loans and leases to total assets | 68.9212% | 2,253 |
| Net loans and leases to deposits | 78.1385% | 2,785 |
| Net loans and leases to core deposits | 259.1435% | 34 |
| Total domestic deposits to total assets | 88.2039% | 1,789 |
| Equity capital to assets | 10.1587% | 3,890 |
| Core capital (leverage) ratio | 11.0598% | 2,366 |
| Tier 1 risk-based capital ratio | 13.1565% | 4,814 |
| Total risk-based capital ratio | 13.3917% | 5,374 |
| Memoranda: | ||
| Average total assets | $246,979,670 | 2,571 |
| Average earning assets | $235,479,000 | 2,483 |
| Average equity | $27,261,000 | 2,458 |
| Average total loans | $197,083,330 | 2,071 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4924% | 5,445 |
| Cost of funding earning assets | 0.6140% | 1,865 |
| Net interest margin | 2.8785% | 5,796 |
| Noninterest income to average assets | 0.1809% | 5,882 |
| Noninterest expense to average assets | 1.4577% | 6,523 |
| Loan and lease loss provision to assets | 0.0137% | 3,651 |
| Net operating income to assets | 1.4304% | 934 |
| Return on assets (ROA) | 1.4304% | 973 |
| Pretax return on assets | 1.4304% | 1,641 |
| Return on Equity (ROE) | 12.3859% | 1,317 |
| Retained earnings to average equity (ytd only) | -1.0937% | 5,745 |
| Net charge-offs to loans | -0.0139% | 5,176 |
| Credit loss provision to net charge-offs | -114.2857% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2353% | 6,243 |
| Assets per employee ($millions) | 8.5054% | 400 |
| Cash dividends to net income (ytd only)* | 108.8305% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2570% | 6,618 |
| Loan loss allowance to noncurrent loans | 91.5094% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 5,293 |
| Noncurrent loans to loans | 0.2809% | 5,267 |
| Net loans and leases to total assets | 85.1149% | 183 |
| Net loans and leases to deposits | 99.2266% | 478 |
| Net loans and leases to core deposits | 271.9553% | 32 |
| Total domestic deposits to total assets | 85.7782% | 3,479 |
| Equity capital to assets | 12.2366% | 1,728 |
| Core capital (leverage) ratio | 11.0658% | 2,335 |
| Tier 1 risk-based capital ratio | 13.7965% | 4,470 |
| Total risk-based capital ratio | 14.0459% | 5,064 |
| Memoranda: | ||
| Average total assets | $234,344,500 | 2,697 |
| Average earning assets | $221,508,000 | 2,638 |
| Average equity | $27,063,000 | 2,463 |
| Average total loans | $201,561,500 | 2,042 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6072% | 5,385 |
| Cost of funding earning assets | 0.6180% | 2,503 |
| Net interest margin | 2.9892% | 5,603 |
| Noninterest income to average assets | 0.1301% | 6,275 |
| Noninterest expense to average assets | 1.0239% | 6,746 |
| Loan and lease loss provision to assets | 0.0179% | 4,771 |
| Net operating income to assets | 1.9495% | 366 |
| Return on assets (ROA) | 1.9495% | 368 |
| Pretax return on assets | 1.9495% | 537 |
| Return on Equity (ROE) | 21.1004% | 228 |
| Retained earnings to average equity (ytd only) | 2.2486% | 4,648 |
| Net charge-offs to loans | 0.0049% | 5,372 |
| Credit loss provision to net charge-offs | 407.6923% | 559 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 89 |
| Efficiency ratio | 34.2292% | 6,744 |
| Assets per employee ($millions) | 9.5211% | 270 |
| Cash dividends to net income (ytd only)* | 89.3433% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2197% | 6,706 |
| Loan loss allowance to noncurrent loans | 81.2069% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 5,423 |
| Noncurrent loans to loans | 0.2705% | 5,366 |
| Net loans and leases to total assets | 86.4249% | 137 |
| Net loans and leases to deposits | 99.1179% | 526 |
| Net loans and leases to core deposits | 332.5778% | 27 |
| Total domestic deposits to total assets | 87.1941% | 2,626 |
| Equity capital to assets | 10.9336% | 2,674 |
| Core capital (leverage) ratio | 10.5413% | 2,866 |
| Tier 1 risk-based capital ratio | 12.2672% | 5,453 |
| Total risk-based capital ratio | 12.4819% | 6,005 |
| Memoranda: | ||
| Average total assets | $296,021,800 | 2,167 |
| Average earning assets | $283,353,000 | 2,088 |
| Average equity | $27,350,200 | 2,428 |
| Average total loans | $264,194,800 | 1,576 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 5,490 |
| Cost of funding earning assets | 0.6183% | 2,660 |
| Net interest margin | 2.9642% | 5,678 |
| Noninterest income to average assets | 0.1402% | 6,329 |
| Noninterest expense to average assets | 0.9381% | 6,835 |
| Loan and lease loss provision to assets | 0.0195% | 4,616 |
| Net operating income to assets | 2.0328% | 342 |
| Return on assets (ROA) | 2.0328% | 354 |
| Pretax return on assets | 2.0328% | 540 |
| Return on Equity (ROE) | 22.8430% | 172 |
| Retained earnings to average equity (ytd only) | 2.9709% | 4,551 |
| Net charge-offs to loans | -0.0039% | 5,746 |
| Credit loss provision to net charge-offs | -562.5000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.3703% | 6,827 |
| Assets per employee ($millions) | 10.0793% | 226 |
| Cash dividends to net income (ytd only)* | 86.9946% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2257% | 6,783 |
| Loan loss allowance to noncurrent loans | 63.4338% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 5,406 |
| Noncurrent loans to loans | 0.3558% | 5,322 |
| Net loans and leases to total assets | 81.6365% | 394 |
| Net loans and leases to deposits | 96.1796% | 677 |
| Net loans and leases to core deposits | 289.3727% | 34 |
| Total domestic deposits to total assets | 84.8792% | 3,801 |
| Equity capital to assets | 10.3151% | 3,485 |
| Core capital (leverage) ratio | 9.7086% | 4,093 |
| Tier 1 risk-based capital ratio | 13.3932% | 4,842 |
| Total risk-based capital ratio | 13.6342% | 5,463 |
| Memoranda: | ||
| Average total assets | $308,140,000 | 2,097 |
| Average earning assets | $296,284,500 | 2,007 |
| Average equity | $27,421,250 | 2,447 |
| Average total loans | $276,639,750 | 1,527 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 5,357 |
| Cost of funding earning assets | 0.6381% | 2,605 |
| Net interest margin | 2.9900% | 5,584 |
| Noninterest income to average assets | 0.1150% | 6,477 |
| Noninterest expense to average assets | 0.8402% | 6,896 |
| Loan and lease loss provision to assets | 0.0235% | 4,443 |
| Net operating income to assets | 2.1280% | 295 |
| Return on assets (ROA) | 2.1280% | 311 |
| Pretax return on assets | 2.1280% | 480 |
| Return on Equity (ROE) | 24.9864% | 125 |
| Retained earnings to average equity (ytd only) | 10.7873% | 683 |
| Net charge-offs to loans | -0.0013% | 5,511 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.0843% | 6,891 |
| Assets per employee ($millions) | 12.1286% | 133 |
| Cash dividends to net income (ytd only)* | 56.8274% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1910% | 6,840 |
| Loan loss allowance to noncurrent loans | 33.5470% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 4,900 |
| Noncurrent loans to loans | 0.5694% | 4,836 |
| Net loans and leases to total assets | 88.2287% | 83 |
| Net loans and leases to deposits | 103.3892% | 286 |
| Net loans and leases to core deposits | 352.0829% | 27 |
| Total domestic deposits to total assets | 85.3364% | 3,728 |
| Equity capital to assets | 10.0216% | 3,889 |
| Core capital (leverage) ratio | 8.4073% | 5,764 |
| Tier 1 risk-based capital ratio | 10.9404% | 6,362 |
| Total risk-based capital ratio | 11.1259% | 6,641 |
| Memoranda: | ||
| Average total assets | $323,499,000 | 2,003 |
| Average earning assets | $311,241,670 | 1,922 |
| Average equity | $27,551,000 | 2,448 |
| Average total loans | $297,378,670 | 1,420 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 5,844 |
| Cost of funding earning assets | 0.5958% | 3,141 |
| Net interest margin | 2.8501% | 5,915 |
| Noninterest income to average assets | 0.1226% | 6,487 |
| Noninterest expense to average assets | 0.7739% | 6,983 |
| Loan and lease loss provision to assets | 0.0347% | 4,015 |
| Net operating income to assets | 2.0534% | 315 |
| Return on assets (ROA) | 2.0534% | 344 |
| Pretax return on assets | 2.0534% | 540 |
| Return on Equity (ROE) | 25.9612% | 113 |
| Retained earnings to average equity (ytd only) | 19.4234% | 155 |
| Net charge-offs to loans | -0.0173% | 5,656 |
| Credit loss provision to net charge-offs | -214.2857% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0412% | 6,973 |
| Assets per employee ($millions) | 15.1032% | 87 |
| Cash dividends to net income (ytd only)* | 25.1831% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1465% | 6,930 |
| Loan loss allowance to noncurrent loans | 36.9650% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 5,302 |
| Noncurrent loans to loans | 0.3964% | 5,426 |
| Net loans and leases to total assets | 93.1915% | 13 |
| Net loans and leases to deposits | 108.5212% | 148 |
| Net loans and leases to core deposits | 469.8379% | 25 |
| Total domestic deposits to total assets | 85.8740% | 3,599 |
| Equity capital to assets | 8.0590% | 6,347 |
| Core capital (leverage) ratio | 7.9700% | 6,172 |
| Tier 1 risk-based capital ratio | 19.2016% | 1,981 |
| Total risk-based capital ratio | 19.5318% | 2,230 |
| Memoranda: | ||
| Average total assets | $345,770,000 | 1,910 |
| Average earning assets | $332,336,500 | 1,823 |
| Average equity | $27,348,500 | 2,498 |
| Average total loans | $322,772,500 | 1,316 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 5,992 |
| Cost of funding earning assets | 0.5404% | 4,901 |
| Net interest margin | 3.1904% | 5,594 |
| Noninterest income to average assets | 0.1955% | 6,019 |
| Noninterest expense to average assets | 0.9878% | 7,013 |
| Loan and lease loss provision to assets | 0.0341% | 5,460 |
| Net operating income to assets | 2.2410% | 232 |
| Return on assets (ROA) | 2.2586% | 248 |
| Pretax return on assets | 2.2586% | 362 |
| Return on Equity (ROE) | 29.0443% | 78 |
| Retained earnings to average equity (ytd only) | 1.9982% | 4,817 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2732% | 7,021 |
| Assets per employee ($millions) | 14.9637% | 94 |
| Cash dividends to net income (ytd only)* | 93.1200% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1341% | 6,981 |
| Loan loss allowance to noncurrent loans | 31.6679% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 5,299 |
| Noncurrent loans to loans | 0.4235% | 5,431 |
| Net loans and leases to total assets | 93.2445% | 14 |
| Net loans and leases to deposits | 117.4665% | 86 |
| Net loans and leases to core deposits | 583.1655% | 27 |
| Total domestic deposits to total assets | 79.3797% | 5,809 |
| Equity capital to assets | 7.7585% | 6,520 |
| Core capital (leverage) ratio | 7.6652% | 6,424 |
| Tier 1 risk-based capital ratio | 18.9055% | 1,986 |
| Total risk-based capital ratio | 19.2154% | 2,243 |
| Memoranda: | ||
| Average total assets | $249,043,600 | 2,541 |
| Average earning assets | $239,440,000 | 2,419 |
| Average equity | $19,367,000 | 3,279 |
| Average total loans | $229,049,200 | 1,784 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 6,219 |
| Cost of funding earning assets | 0.5361% | 5,200 |
| Net interest margin | 3.1638% | 5,788 |
| Noninterest income to average assets | 0.2024% | 6,080 |
| Noninterest expense to average assets | 1.0494% | 7,108 |
| Loan and lease loss provision to assets | 0.0207% | 5,536 |
| Net operating income to assets | 2.1710% | 302 |
| Return on assets (ROA) | 2.1971% | 317 |
| Pretax return on assets | 2.1971% | 482 |
| Return on Equity (ROE) | 28.2276% | 94 |
| Retained earnings to average equity (ytd only) | -0.3726% | 6,158 |
| Net charge-offs to loans | 0.0006% | 5,770 |
| Credit loss provision to net charge-offs | 3,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 3,712.1880% | 4 |
| Efficiency ratio | 32.3776% | 7,107 |
| Assets per employee ($millions) | 14.8830% | 90 |
| Cash dividends to net income (ytd only)* | 101.3200% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1243% | 7,096 |
| Loan loss allowance to noncurrent loans | 31.9060% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 5,544 |
| Noncurrent loans to loans | 0.3896% | 5,684 |
| Net loans and leases to total assets | 93.2565% | 19 |
| Net loans and leases to deposits | 113.6358% | 116 |
| Net loans and leases to core deposits | 484.0676% | 28 |
| Total domestic deposits to total assets | 82.0661% | 4,996 |
| Equity capital to assets | 7.7315% | 6,698 |
| Core capital (leverage) ratio | 8.8318% | 5,292 |
| Tier 1 risk-based capital ratio | 18.1385% | 2,288 |
| Total risk-based capital ratio | 18.4158% | 2,616 |
| Memoranda: | ||
| Average total assets | $225,263,000 | 2,803 |
| Average earning assets | $216,362,000 | 2,681 |
| Average equity | $17,533,250 | 3,564 |
| Average total loans | $205,974,750 | 1,975 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7930% | 6,157 |
| Cost of funding earning assets | 0.5756% | 5,113 |
| Net interest margin | 3.2175% | 5,681 |
| Noninterest income to average assets | 0.2291% | 5,931 |
| Noninterest expense to average assets | 1.2343% | 7,132 |
| Loan and lease loss provision to assets | 0.0209% | 5,401 |
| Net operating income to assets | 2.0553% | 363 |
| Return on assets (ROA) | 2.1014% | 381 |
| Pretax return on assets | 2.1014% | 578 |
| Return on Equity (ROE) | 26.8954% | 118 |
| Retained earnings to average equity (ytd only) | -9.7862% | 6,832 |
| Net charge-offs to loans | -0.0023% | 6,099 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2828% | 7,104 |
| Assets per employee ($millions) | 10.5653% | 199 |
| Cash dividends to net income (ytd only)* | 136.3863% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1648% | 7,156 |
| Loan loss allowance to noncurrent loans | 181.2808% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 6,289 |
| Noncurrent loans to loans | 0.0909% | 6,435 |
| Net loans and leases to total assets | 91.7692% | 25 |
| Net loans and leases to deposits | 113.9307% | 102 |
| Net loans and leases to core deposits | 396.3528% | 33 |
| Total domestic deposits to total assets | 80.5482% | 5,599 |
| Equity capital to assets | 7.4259% | 6,818 |
| Core capital (leverage) ratio | 10.2380% | 3,104 |
| Tier 1 risk-based capital ratio | 16.8875% | 2,722 |
| Total risk-based capital ratio | 17.2396% | 3,139 |
| Memoranda: | ||
| Average total assets | $191,209,000 | 3,202 |
| Average earning assets | $183,125,000 | 3,083 |
| Average equity | $14,939,330 | 4,003 |
| Average total loans | $172,724,670 | 2,322 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 4,107 |
| Cost of funding earning assets | 0.6945% | 4,328 |
| Net interest margin | 3.7574% | 3,572 |
| Noninterest income to average assets | 0.2758% | 5,664 |
| Noninterest expense to average assets | 1.3986% | 7,117 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.4511% | 195 |
| Return on assets (ROA) | 2.5576% | 201 |
| Pretax return on assets | 2.5576% | 309 |
| Return on Equity (ROE) | 31.5841% | 90 |
| Retained earnings to average equity (ytd only) | -0.8367% | 6,130 |
| Net charge-offs to loans | -0.0054% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3294% | 7,177 |
| Assets per employee ($millions) | 7.5502% | 581 |
| Cash dividends to net income (ytd only)* | 102.6490% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2362% | 7,196 |
| Loan loss allowance to noncurrent loans | 100.8696% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 5,948 |
| Noncurrent loans to loans | 0.2342% | 6,224 |
| Net loans and leases to total assets | 88.4921% | 66 |
| Net loans and leases to deposits | 98.6119% | 422 |
| Net loans and leases to core deposits | 436.9861% | 32 |
| Total domestic deposits to total assets | 89.7378% | 1,224 |
| Equity capital to assets | 8.0347% | 6,501 |
| Core capital (leverage) ratio | 7.8284% | 6,390 |
| Tier 1 risk-based capital ratio | 17.4622% | 2,493 |
| Total risk-based capital ratio | 17.9308% | 2,777 |
| Memoranda: | ||
| Average total assets | $165,313,000 | 3,592 |
| Average earning assets | $157,235,000 | 3,486 |
| Average equity | $13,386,500 | 4,331 |
| Average total loans | $147,403,000 | 2,670 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 4,150 |
| Cost of funding earning assets | 0.8573% | 4,416 |
| Net interest margin | 3.8663% | 3,485 |
| Noninterest income to average assets | 0.2710% | 5,588 |
| Noninterest expense to average assets | 1.4148% | 7,206 |
| Loan and lease loss provision to assets | 0.1701% | 4,514 |
| Net operating income to assets | 2.3608% | 168 |
| Return on assets (ROA) | 2.3608% | 175 |
| Pretax return on assets | 2.3608% | 269 |
| Return on Equity (ROE) | 26.9503% | 75 |
| Retained earnings to average equity (ytd only) | 3.3716% | 3,820 |
| Net charge-offs to loans | 0.1127% | 5,247 |
| Credit loss provision to net charge-offs | 168.6275% | 1,596 |
| Earnings coverage of net charge-offs (x) | 25.0915% | 982 |
| Efficiency ratio | 35.8563% | 7,256 |
| Assets per employee ($millions) | 7.4783% | 581 |
| Cash dividends to net income (ytd only)* | 87.4895% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2346% | 7,245 |
| Loan loss allowance to noncurrent loans | 84.5966% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 5,935 |
| Noncurrent loans to loans | 0.2773% | 6,170 |
| Net loans and leases to total assets | 89.4245% | 48 |
| Net loans and leases to deposits | 99.7147% | 472 |
| Net loans and leases to core deposits | 452.8115% | 36 |
| Total domestic deposits to total assets | 89.6804% | 1,165 |
| Equity capital to assets | 8.1612% | 6,475 |
| Core capital (leverage) ratio | 8.0020% | 6,267 |
| Tier 1 risk-based capital ratio | 17.0019% | 2,604 |
| Total risk-based capital ratio | 17.4546% | 2,917 |
| Memoranda: | ||
| Average total assets | $151,682,800 | 3,770 |
| Average earning assets | $144,168,400 | 3,670 |
| Average equity | $13,287,400 | 4,285 |
| Average total loans | $135,798,400 | 2,883 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 4,227 |
| Cost of funding earning assets | 0.9006% | 4,393 |
| Net interest margin | 3.8493% | 3,619 |
| Noninterest income to average assets | 0.3215% | 5,296 |
| Noninterest expense to average assets | 1.4467% | 7,261 |
| Loan and lease loss provision to assets | 0.1760% | 4,280 |
| Net operating income to assets | 2.3528% | 193 |
| Return on assets (ROA) | 2.3528% | 206 |
| Pretax return on assets | 2.3528% | 329 |
| Return on Equity (ROE) | 26.3592% | 108 |
| Retained earnings to average equity (ytd only) | 5.2920% | 2,998 |
| Net charge-offs to loans | 0.0552% | 5,420 |
| Credit loss provision to net charge-offs | 356.3636% | 797 |
| Earnings coverage of net charge-offs (x) | 51.2010% | 633 |
| Efficiency ratio | 36.3903% | 7,311 |
| Assets per employee ($millions) | 6.1756% | 1,103 |
| Cash dividends to net income (ytd only)* | 79.9236% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3043% | 7,287 |
| Loan loss allowance to noncurrent loans | 52.9820% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 5,814 |
| Noncurrent loans to loans | 0.5744% | 5,727 |
| Net loans and leases to total assets | 88.1095% | 75 |
| Net loans and leases to deposits | 100.1416% | 470 |
| Net loans and leases to core deposits | 420.4993% | 35 |
| Total domestic deposits to total assets | 87.9849% | 2,038 |
| Equity capital to assets | 9.5242% | 5,042 |
| Core capital (leverage) ratio | 9.2944% | 4,461 |
| Tier 1 risk-based capital ratio | 18.9611% | 1,951 |
| Total risk-based capital ratio | 19.5138% | 2,130 |
| Memoranda: | ||
| Average total assets | $148,473,000 | 3,853 |
| Average earning assets | $140,939,750 | 3,745 |
| Average equity | $13,252,500 | 4,297 |
| Average total loans | $132,880,750 | 2,957 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 4,366 |
| Cost of funding earning assets | 0.9462% | 4,348 |
| Net interest margin | 3.7891% | 3,839 |
| Noninterest income to average assets | 0.2961% | 5,518 |
| Noninterest expense to average assets | 1.3889% | 7,360 |
| Loan and lease loss provision to assets | 0.0677% | 5,460 |
| Net operating income to assets | 2.4393% | 179 |
| Return on assets (ROA) | 2.4393% | 184 |
| Pretax return on assets | 2.4393% | 273 |
| Return on Equity (ROE) | 27.9165% | 92 |
| Retained earnings to average equity (ytd only) | 6.3371% | 2,220 |
| Net charge-offs to loans | 0.0946% | 4,731 |
| Credit loss provision to net charge-offs | 79.6875% | 3,782 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 930 |
| Efficiency ratio | 35.6510% | 7,396 |
| Assets per employee ($millions) | 6.0733% | 1,148 |
| Cash dividends to net income (ytd only)* | 77.2999% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1840% | 7,396 |
| Loan loss allowance to noncurrent loans | 25.7627% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 5,610 |
| Noncurrent loans to loans | 0.7140% | 5,484 |
| Net loans and leases to total assets | 88.5680% | 71 |
| Net loans and leases to deposits | 100.7870% | 455 |
| Net loans and leases to core deposits | 438.1259% | 39 |
| Total domestic deposits to total assets | 87.8765% | 2,226 |
| Equity capital to assets | 9.5270% | 4,777 |
| Core capital (leverage) ratio | 9.2450% | 4,330 |
| Tier 1 risk-based capital ratio | 19.3836% | 1,744 |
| Total risk-based capital ratio | 19.7245% | 1,972 |
| Memoranda: | ||
| Average total assets | $150,618,000 | 3,835 |
| Average earning assets | $143,093,000 | 3,742 |
| Average equity | $13,160,670 | 4,303 |
| Average total loans | $135,330,670 | 2,937 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 4,969 |
| Cost of funding earning assets | 0.9802% | 4,350 |
| Net interest margin | 3.6140% | 4,508 |
| Noninterest income to average assets | 0.2742% | 5,712 |
| Noninterest expense to average assets | 1.3813% | 7,419 |
| Loan and lease loss provision to assets | 0.0333% | 5,557 |
| Net operating income to assets | 2.2988% | 230 |
| Return on assets (ROA) | 2.2988% | 242 |
| Pretax return on assets | 2.2988% | 347 |
| Return on Equity (ROE) | 27.4165% | 113 |
| Retained earnings to average equity (ytd only) | 19.0112% | 197 |
| Net charge-offs to loans | -0.0113% | 6,392 |
| Credit loss provision to net charge-offs | -325.0000% | 5,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1981% | 7,428 |
| Assets per employee ($millions) | 6.0994% | 1,140 |
| Cash dividends to net income (ytd only)* | 30.6577% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2091% | 7,439 |
| Loan loss allowance to noncurrent loans | 22.2031% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 5,235 |
| Noncurrent loans to loans | 0.9419% | 5,152 |
| Net loans and leases to total assets | 87.7529% | 86 |
| Net loans and leases to deposits | 99.9724% | 470 |
| Net loans and leases to core deposits | 422.8523% | 36 |
| Total domestic deposits to total assets | 87.7771% | 2,506 |
| Equity capital to assets | 9.5911% | 4,321 |
| Core capital (leverage) ratio | 8.6664% | 5,149 |
| Tier 1 risk-based capital ratio | 20.2246% | 1,537 |
| Total risk-based capital ratio | 20.6209% | 1,689 |
| Memoranda: | ||
| Average total assets | $156,083,500 | 3,771 |
| Average earning assets | $148,535,000 | 3,668 |
| Average equity | $13,087,000 | 4,317 |
| Average total loans | $141,023,000 | 2,867 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8438% | 5,258 |
| Cost of funding earning assets | 1.2864% | 3,973 |
| Net interest margin | 3.5574% | 5,009 |
| Noninterest income to average assets | 0.2867% | 5,735 |
| Noninterest expense to average assets | 1.3839% | 7,491 |
| Loan and lease loss provision to assets | 0.0387% | 6,773 |
| Net operating income to assets | 2.2589% | 167 |
| Return on assets (ROA) | 2.2589% | 174 |
| Pretax return on assets | 2.2589% | 275 |
| Return on Equity (ROE) | 27.5455% | 60 |
| Retained earnings to average equity (ytd only) | 5.3941% | 2,183 |
| Net charge-offs to loans | 0.1223% | 5,667 |
| Credit loss provision to net charge-offs | 34.6821% | 6,452 |
| Earnings coverage of net charge-offs (x) | 20.5665% | 997 |
| Efficiency ratio | 37.5899% | 7,531 |
| Assets per employee ($millions) | 7.4731% | 601 |
| Cash dividends to net income (ytd only)* | 80.4174% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1519% | 7,543 |
| Loan loss allowance to noncurrent loans | 29.9379% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 6,095 |
| Noncurrent loans to loans | 0.5073% | 6,022 |
| Net loans and leases to total assets | 92.1812% | 28 |
| Net loans and leases to deposits | 100.9725% | 527 |
| Net loans and leases to core deposits | 561.4728% | 33 |
| Total domestic deposits to total assets | 91.2934% | 463 |
| Equity capital to assets | 7.3999% | 6,937 |
| Core capital (leverage) ratio | 8.3929% | 5,547 |
| Tier 1 risk-based capital ratio | 16.2466% | 2,637 |
| Total risk-based capital ratio | 16.5587% | 3,054 |
| Memoranda: | ||
| Average total assets | $154,852,200 | 3,796 |
| Average earning assets | $147,776,000 | 3,668 |
| Average equity | $12,699,000 | 4,428 |
| Average total loans | $141,511,400 | 2,917 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 4,280 |
| Cost of funding earning assets | 1.3754% | 3,739 |
| Net interest margin | 3.7319% | 4,256 |
| Noninterest income to average assets | 0.2877% | 5,817 |
| Noninterest expense to average assets | 1.4484% | 7,575 |
| Loan and lease loss provision to assets | 0.0531% | 6,551 |
| Net operating income to assets | 2.3391% | 177 |
| Return on assets (ROA) | 2.3391% | 187 |
| Pretax return on assets | 2.3391% | 311 |
| Return on Equity (ROE) | 27.7500% | 70 |
| Retained earnings to average equity (ytd only) | 7.4889% | 1,600 |
| Net charge-offs to loans | 0.0981% | 5,544 |
| Credit loss provision to net charge-offs | 59.4059% | 5,705 |
| Earnings coverage of net charge-offs (x) | 26.7532% | 950 |
| Efficiency ratio | 37.7132% | 7,618 |
| Assets per employee ($millions) | 5.9200% | 1,290 |
| Cash dividends to net income (ytd only)* | 73.0130% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2536% | 7,618 |
| Loan loss allowance to noncurrent loans | 53.6878% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 6,354 |
| Noncurrent loans to loans | 0.4723% | 6,248 |
| Net loans and leases to total assets | 90.4333% | 48 |
| Net loans and leases to deposits | 101.9448% | 537 |
| Net loans and leases to core deposits | 452.6985% | 36 |
| Total domestic deposits to total assets | 88.7081% | 1,556 |
| Equity capital to assets | 9.4896% | 4,861 |
| Core capital (leverage) ratio | 8.3631% | 5,766 |
| Tier 1 risk-based capital ratio | 19.5294% | 1,638 |
| Total risk-based capital ratio | 20.0155% | 1,770 |
| Memoranda: | ||
| Average total assets | $150,595,000 | 3,917 |
| Average earning assets | $143,373,750 | 3,808 |
| Average equity | $12,694,000 | 4,502 |
| Average total loans | $137,218,500 | 3,032 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1082% | 4,411 |
| Cost of funding earning assets | 1.4180% | 3,761 |
| Net interest margin | 3.6902% | 4,409 |
| Noninterest income to average assets | 0.2625% | 6,035 |
| Noninterest expense to average assets | 1.3899% | 7,674 |
| Loan and lease loss provision to assets | 0.0772% | 6,170 |
| Net operating income to assets | 2.3088% | 192 |
| Return on assets (ROA) | 2.3088% | 207 |
| Pretax return on assets | 2.3088% | 333 |
| Return on Equity (ROE) | 28.4348% | 71 |
| Retained earnings to average equity (ytd only) | 9.9062% | 865 |
| Net charge-offs to loans | 0.1509% | 4,730 |
| Credit loss provision to net charge-offs | 56.0748% | 5,297 |
| Earnings coverage of net charge-offs (x) | 17.3271% | 1,352 |
| Efficiency ratio | 36.8098% | 7,687 |
| Assets per employee ($millions) | 6.7732% | 853 |
| Cash dividends to net income (ytd only)* | 65.1616% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2169% | 7,701 |
| Loan loss allowance to noncurrent loans | 51.6835% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 6,482 |
| Noncurrent loans to loans | 0.4197% | 6,405 |
| Net loans and leases to total assets | 90.6633% | 49 |
| Net loans and leases to deposits | 100.4359% | 688 |
| Net loans and leases to core deposits | 536.7409% | 36 |
| Total domestic deposits to total assets | 90.2698% | 782 |
| Equity capital to assets | 8.2204% | 6,515 |
| Core capital (leverage) ratio | 8.3960% | 5,587 |
| Tier 1 risk-based capital ratio | 19.4159% | 1,626 |
| Total risk-based capital ratio | 19.8933% | 1,769 |
| Memoranda: | ||
| Average total assets | $155,406,670 | 3,865 |
| Average earning assets | $147,958,000 | 3,740 |
| Average equity | $12,618,330 | 4,521 |
| Average total loans | $141,809,000 | 2,980 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1942% | 4,052 |
| Cost of funding earning assets | 1.5439% | 3,308 |
| Net interest margin | 3.6503% | 4,485 |
| Noninterest income to average assets | 0.2525% | 6,130 |
| Noninterest expense to average assets | 1.3993% | 7,760 |
| Loan and lease loss provision to assets | 0.0773% | 5,867 |
| Net operating income to assets | 2.2549% | 231 |
| Return on assets (ROA) | 2.2549% | 257 |
| Pretax return on assets | 2.2549% | 383 |
| Return on Equity (ROE) | 27.9452% | 111 |
| Retained earnings to average equity (ytd only) | 23.7614% | 114 |
| Net charge-offs to loans | 0.0479% | 4,923 |
| Credit loss provision to net charge-offs | 176.4706% | 2,069 |
| Earnings coverage of net charge-offs (x) | 53.2353% | 546 |
| Efficiency ratio | 37.5000% | 7,779 |
| Assets per employee ($millions) | 7.0849% | 781 |
| Cash dividends to net income (ytd only)* | 14.9714% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2582% | 7,784 |
| Loan loss allowance to noncurrent loans | 36.5174% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 5,882 |
| Noncurrent loans to loans | 0.7071% | 5,919 |
| Net loans and leases to total assets | 90.9468% | 54 |
| Net loans and leases to deposits | 100.8961% | 703 |
| Net loans and leases to core deposits | 585.7928% | 39 |
| Total domestic deposits to total assets | 90.1390% | 921 |
| Equity capital to assets | 8.2814% | 6,327 |
| Core capital (leverage) ratio | 8.1070% | 6,062 |
| Tier 1 risk-based capital ratio | 15.8451% | 2,706 |
| Total risk-based capital ratio | 16.3065% | 3,047 |
| Memoranda: | ||
| Average total assets | $155,218,500 | 3,926 |
| Average earning assets | $147,933,000 | 3,802 |
| Average equity | $12,524,500 | 4,583 |
| Average total loans | $141,941,000 | 3,038 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6232% | 3,480 |
| Cost of funding earning assets | 2.4815% | 1,067 |
| Net interest margin | 3.1417% | 6,253 |
| Noninterest income to average assets | 0.3278% | 5,736 |
| Noninterest expense to average assets | 1.4934% | 7,813 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8455% | 325 |
| Return on assets (ROA) | 1.8455% | 332 |
| Pretax return on assets | 1.8455% | 578 |
| Return on Equity (ROE) | 23.3477% | 125 |
| Retained earnings to average equity (ytd only) | 1.3668% | 4,097 |
| Net charge-offs to loans | 0.0531% | 6,569 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 38.0455% | 624 |
| Efficiency ratio | 44.7282% | 7,758 |
| Assets per employee ($millions) | 7.3605% | 684 |
| Cash dividends to net income (ytd only)* | 94.1458% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2497% | 7,859 |
| Loan loss allowance to noncurrent loans | 50.4993% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 6,302 |
| Noncurrent loans to loans | 0.4945% | 6,265 |
| Net loans and leases to total assets | 91.4828% | 49 |
| Net loans and leases to deposits | 101.2422% | 807 |
| Net loans and leases to core deposits | 107.4727% | 3,163 |
| Total domestic deposits to total assets | 90.3604% | 802 |
| Equity capital to assets | 7.8547% | 6,714 |
| Core capital (leverage) ratio | 8.9301% | 4,538 |
| Tier 1 risk-based capital ratio | 15.2313% | 2,831 |
| Total risk-based capital ratio | 15.6859% | 3,194 |
| Memoranda: | ||
| Average total assets | $136,061,800 | 4,211 |
| Average earning assets | $130,406,000 | 4,079 |
| Average equity | $10,754,800 | 5,091 |
| Average total loans | $124,375,200 | 3,396 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9442% | 2,256 |
| Cost of funding earning assets | 2.7672% | 653 |
| Net interest margin | 3.1770% | 6,098 |
| Noninterest income to average assets | 0.3064% | 6,027 |
| Noninterest expense to average assets | 1.3908% | 7,924 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9670% | 316 |
| Return on assets (ROA) | 1.9670% | 336 |
| Pretax return on assets | 1.9670% | 575 |
| Return on Equity (ROE) | 24.8387% | 113 |
| Retained earnings to average equity (ytd only) | -0.4612% | 5,337 |
| Net charge-offs to loans | 0.0211% | 6,603 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 102.0636% | 355 |
| Efficiency ratio | 41.4199% | 7,898 |
| Assets per employee ($millions) | 6.2783% | 1,086 |
| Cash dividends to net income (ytd only)* | 101.8567% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3330% | 7,882 |
| Loan loss allowance to noncurrent loans | 49.5062% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 5,904 |
| Noncurrent loans to loans | 0.6727% | 5,957 |
| Net loans and leases to total assets | 91.0227% | 79 |
| Net loans and leases to deposits | 101.9064% | 929 |
| Net loans and leases to core deposits | 109.5623% | 3,287 |
| Total domestic deposits to total assets | 89.3200% | 1,051 |
| Equity capital to assets | 7.9336% | 6,906 |
| Core capital (leverage) ratio | 7.7156% | 6,713 |
| Tier 1 risk-based capital ratio | 17.3240% | 2,176 |
| Total risk-based capital ratio | 18.0065% | 2,296 |
| Memoranda: | ||
| Average total assets | $131,434,750 | 4,341 |
| Average earning assets | $126,237,500 | 4,203 |
| Average equity | $10,408,250 | 5,227 |
| Average total loans | $120,029,250 | 3,507 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0564% | 1,958 |
| Cost of funding earning assets | 2.9158% | 584 |
| Net interest margin | 3.1406% | 6,121 |
| Noninterest income to average assets | 0.3046% | 6,084 |
| Noninterest expense to average assets | 1.2079% | 8,083 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1188% | 228 |
| Return on assets (ROA) | 2.1188% | 247 |
| Pretax return on assets | 2.1188% | 414 |
| Return on Equity (ROE) | 26.7732% | 110 |
| Retained earnings to average equity (ytd only) | -1.9440% | 5,728 |
| Net charge-offs to loans | 0.0267% | 6,102 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 86.9375% | 445 |
| Efficiency ratio | 36.3095% | 8,068 |
| Assets per employee ($millions) | 6.9112% | 799 |
| Cash dividends to net income (ytd only)* | 107.2610% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3355% | 7,961 |
| Loan loss allowance to noncurrent loans | 61.3982% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 6,148 |
| Noncurrent loans to loans | 0.5464% | 6,175 |
| Net loans and leases to total assets | 91.4082% | 76 |
| Net loans and leases to deposits | 101.3947% | 1,124 |
| Net loans and leases to core deposits | 109.1430% | 3,476 |
| Total domestic deposits to total assets | 90.1509% | 767 |
| Equity capital to assets | 7.8264% | 6,946 |
| Core capital (leverage) ratio | 7.6378% | 6,844 |
| Tier 1 risk-based capital ratio | 16.9958% | 2,303 |
| Total risk-based capital ratio | 17.6748% | 2,419 |
| Memoranda: | ||
| Average total assets | $131,298,330 | 4,367 |
| Average earning assets | $126,346,000 | 4,221 |
| Average equity | $10,391,000 | 5,255 |
| Average total loans | $119,902,670 | 3,532 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2058% | 1,585 |
| Cost of funding earning assets | 3.0554% | 517 |
| Net interest margin | 3.1503% | 6,018 |
| Noninterest income to average assets | 0.2803% | 6,186 |
| Noninterest expense to average assets | 1.2004% | 8,117 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1144% | 276 |
| Return on assets (ROA) | 2.1144% | 324 |
| Pretax return on assets | 2.1144% | 528 |
| Return on Equity (ROE) | 26.5697% | 157 |
| Retained earnings to average equity (ytd only) | 3.1394% | 4,129 |
| Net charge-offs to loans | 0.0234% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 99.1429% | 435 |
| Efficiency ratio | 36.2132% | 8,107 |
| Assets per employee ($millions) | 7.7338% | 563 |
| Cash dividends to net income (ytd only)* | 88.1844% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3445% | 8,001 |
| Loan loss allowance to noncurrent loans | 75.5027% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 6,213 |
| Noncurrent loans to loans | 0.4563% | 6,278 |
| Net loans and leases to total assets | 90.8713% | 105 |
| Net loans and leases to deposits | 101.6748% | 1,213 |
| Net loans and leases to core deposits | 107.0393% | 3,789 |
| Total domestic deposits to total assets | 89.3744% | 1,066 |
| Equity capital to assets | 7.9916% | 6,824 |
| Core capital (leverage) ratio | 7.7179% | 6,863 |
| Tier 1 risk-based capital ratio | 19.1294% | 1,783 |
| Total risk-based capital ratio | 19.8967% | 1,844 |
| Memoranda: | ||
| Average total assets | $131,291,500 | 4,386 |
| Average earning assets | $126,463,000 | 4,235 |
| Average equity | $10,448,000 | 5,242 |
| Average total loans | $119,637,000 | 3,567 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3855% | 3,490 |
| Cost of funding earning assets | 3.0595% | 1,643 |
| Net interest margin | 3.3259% | 5,945 |
| Noninterest income to average assets | 0.3897% | 5,561 |
| Noninterest expense to average assets | 1.5838% | 7,979 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8335% | 516 |
| Return on assets (ROA) | 1.8335% | 498 |
| Pretax return on assets | 1.8576% | 840 |
| Return on Equity (ROE) | 23.1024% | 205 |
| Retained earnings to average equity (ytd only) | 11.9396% | 229 |
| Net charge-offs to loans | 0.0341% | 6,339 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 65.8519% | 611 |
| Efficiency ratio | 46.0231% | 7,931 |
| Assets per employee ($millions) | 7.7122% | 513 |
| Cash dividends to net income (ytd only)* | 48.3191% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3518% | 8,040 |
| Loan loss allowance to noncurrent loans | 74.7331% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 5,872 |
| Noncurrent loans to loans | 0.4707% | 5,933 |
| Net loans and leases to total assets | 90.7405% | 147 |
| Net loans and leases to deposits | 101.9504% | 1,596 |
| Net loans and leases to core deposits | 107.6565% | 4,006 |
| Total domestic deposits to total assets | 89.0045% | 1,041 |
| Equity capital to assets | 7.9240% | 6,936 |
| Core capital (leverage) ratio | 7.7354% | 6,877 |
| Tier 1 risk-based capital ratio | 18.0043% | 2,037 |
| Total risk-based capital ratio | 18.7446% | 2,117 |
| Memoranda: | ||
| Average total assets | $95,716,600 | 5,179 |
| Average earning assets | $87,824,600 | 5,155 |
| Average equity | $7,596,600 | 6,239 |
| Average total loans | $79,121,000 | 4,548 |