Home > Citizens Independent Bank > Performance and Condition Ratios
Citizens Independent Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 3,117 |
| Cost of funding earning assets | 0.7946% | 3,748 |
| Net interest margin | 3.6949% | 1,773 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.8682% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6926% | 3,213 |
| Return on assets (ROA) | 0.6693% | 3,249 |
| Pretax return on assets | 0.8980% | 2,966 |
| Return on Equity (ROE) | 8.8700% | 2,793 |
| Retained earnings to average equity (ytd only) | 4.8325% | 2,660 |
| Net charge-offs to loans | -0.0444% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.5655% | 1,291 |
| Assets per employee ($millions) | 5.7430% | 3,030 |
| Cash dividends to net income (ytd only)* | 45.5123% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,072 |
| Loan loss allowance to noncurrent loans | 1,290.5138% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,066 |
| Noncurrent loans to loans | 0.1158% | 2,944 |
| Net loans and leases to total assets | 62.4700% | 2,631 |
| Net loans and leases to deposits | 74.3837% | 2,591 |
| Net loans and leases to core deposits | 76.0385% | 2,975 |
| Total domestic deposits to total assets | 83.9800% | 2,622 |
| Equity capital to assets | 8.5153% | 3,047 |
| Core capital (leverage) ratio | 11.5779% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6940% | 968 |
| Memoranda: | ||
| Average total assets | $352,905,600 | 2,184 |
| Average earning assets | $334,381,200 | 2,156 |
| Average equity | $26,632,000 | 2,423 |
| Average total loans | $216,235,600 | 2,186 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 2,981 |
| Cost of funding earning assets | 0.7038% | 3,757 |
| Net interest margin | 3.7612% | 1,667 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.7876% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8001% | 3,024 |
| Return on assets (ROA) | 0.7696% | 3,106 |
| Pretax return on assets | 1.0272% | 2,774 |
| Return on Equity (ROE) | 10.5300% | 2,497 |
| Retained earnings to average equity (ytd only) | 5.0035% | 2,929 |
| Net charge-offs to loans | -0.0575% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.3392% | 1,529 |
| Assets per employee ($millions) | 5.9918% | 2,767 |
| Cash dividends to net income (ytd only)* | 52.4646% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,129 |
| Loan loss allowance to noncurrent loans | 1,418.2609% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,162 |
| Noncurrent loans to loans | 0.1053% | 3,047 |
| Net loans and leases to total assets | 63.0100% | 2,557 |
| Net loans and leases to deposits | 76.4954% | 2,375 |
| Net loans and leases to core deposits | 77.7768% | 2,752 |
| Total domestic deposits to total assets | 82.3800% | 3,146 |
| Equity capital to assets | 7.0664% | 3,577 |
| Core capital (leverage) ratio | 11.1951% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3552% | 1,050 |
| Memoranda: | ||
| Average total assets | $354,987,500 | 2,184 |
| Average earning assets | $336,089,250 | 2,152 |
| Average equity | $25,954,500 | 2,453 |
| Average total loans | $215,664,250 | 2,190 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 2,838 |
| Cost of funding earning assets | 0.5246% | 3,934 |
| Net interest margin | 3.8961% | 1,438 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.7440% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9216% | 2,684 |
| Return on assets (ROA) | 0.8763% | 2,826 |
| Pretax return on assets | 1.1734% | 2,435 |
| Return on Equity (ROE) | 11.8600% | 2,196 |
| Retained earnings to average equity (ytd only) | 3.7649% | 3,264 |
| Net charge-offs to loans | -0.0680% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.0370% | 1,862 |
| Assets per employee ($millions) | 6.4907% | 2,298 |
| Cash dividends to net income (ytd only)* | 68.2540% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 1,252 |
| Loan loss allowance to noncurrent loans | 1,170.3971% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 2,980 |
| Noncurrent loans to loans | 0.1261% | 2,843 |
| Net loans and leases to total assets | 61.7300% | 2,600 |
| Net loans and leases to deposits | 75.4337% | 2,368 |
| Net loans and leases to core deposits | 76.5934% | 2,721 |
| Total domestic deposits to total assets | 81.8400% | 3,263 |
| Equity capital to assets | 7.7312% | 3,385 |
| Core capital (leverage) ratio | 10.8469% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0628% | 1,115 |
| Memoranda: | ||
| Average total assets | $359,473,333 | 2,170 |
| Average earning assets | $340,854,000 | 2,137 |
| Average equity | $26,561,333 | 2,431 |
| Average total loans | $214,727,333 | 2,191 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 2,080 |
| Cost of funding earning assets | 0.2698% | 4,257 |
| Net interest margin | 4.3329% | 767 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.7541% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2089% | 1,907 |
| Return on assets (ROA) | 1.2089% | 1,865 |
| Pretax return on assets | 1.6408% | 1,384 |
| Return on Equity (ROE) | 16.7300% | 1,218 |
| Retained earnings to average equity (ytd only) | 0.3803% | 3,968 |
| Net charge-offs to loans | -0.1168% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.6657% | 2,617 |
| Assets per employee ($millions) | 6.5569% | 2,304 |
| Cash dividends to net income (ytd only)* | 97.7273% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,308 |
| Loan loss allowance to noncurrent loans | 1,080.2676% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 2,988 |
| Noncurrent loans to loans | 0.1379% | 2,811 |
| Net loans and leases to total assets | 58.1800% | 2,855 |
| Net loans and leases to deposits | 68.8130% | 2,711 |
| Net loans and leases to core deposits | 69.2152% | 3,007 |
| Total domestic deposits to total assets | 84.5500% | 2,963 |
| Equity capital to assets | 7.3396% | 3,654 |
| Core capital (leverage) ratio | 10.4859% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6961% | 1,211 |
| Memoranda: | ||
| Average total assets | $363,960,000 | 2,180 |
| Average earning assets | $345,446,500 | 2,143 |
| Average equity | $26,293,000 | 2,472 |
| Average total loans | $212,283,000 | 2,226 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 3,499 |
| Cost of funding earning assets | 0.0981% | 4,399 |
| Net interest margin | 3.2408% | 2,735 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.6941% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6133% | 3,852 |
| Return on assets (ROA) | 0.6133% | 3,801 |
| Pretax return on assets | 0.7934% | 3,640 |
| Return on Equity (ROE) | 7.7300% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.0008% | 3,050 |
| Net charge-offs to loans | -0.1937% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.2502% | 903 |
| Assets per employee ($millions) | 6.4417% | 2,386 |
| Cash dividends to net income (ytd only)* | 35.2914% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,060 |
| Loan loss allowance to noncurrent loans | 1,028.9809% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 2,940 |
| Noncurrent loans to loans | 0.1512% | 2,743 |
| Net loans and leases to total assets | 56.6800% | 2,948 |
| Net loans and leases to deposits | 62.6356% | 3,142 |
| Net loans and leases to core deposits | 62.6846% | 3,350 |
| Total domestic deposits to total assets | 90.4900% | 1,155 |
| Equity capital to assets | 7.1066% | 3,614 |
| Core capital (leverage) ratio | 10.6422% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0339% | 1,123 |
| Memoranda: | ||
| Average total assets | $358,076,800 | 2,187 |
| Average earning assets | $347,756,200 | 2,117 |
| Average equity | $28,415,400 | 2,407 |
| Average total loans | $190,471,000 | 2,305 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1140% | 3,645 |
| Cost of funding earning assets | 0.0833% | 4,395 |
| Net interest margin | 3.0307% | 3,140 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.5367% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5745% | 3,900 |
| Return on assets (ROA) | 0.5745% | 3,851 |
| Pretax return on assets | 0.7480% | 3,697 |
| Return on Equity (ROE) | 7.0500% | 3,586 |
| Retained earnings to average equity (ytd only) | 3.5038% | 3,618 |
| Net charge-offs to loans | -0.1984% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.2288% | 977 |
| Assets per employee ($millions) | 6.5651% | 2,269 |
| Cash dividends to net income (ytd only)* | 50.3247% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,052 |
| Loan loss allowance to noncurrent loans | 957.3171% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,013 |
| Noncurrent loans to loans | 0.1678% | 2,756 |
| Net loans and leases to total assets | 54.2600% | 3,075 |
| Net loans and leases to deposits | 58.1678% | 3,329 |
| Net loans and leases to core deposits | 58.2127% | 3,487 |
| Total domestic deposits to total assets | 93.2800% | 506 |
| Equity capital to assets | 6.3554% | 3,819 |
| Core capital (leverage) ratio | 10.3269% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9001% | 1,010 |
| Memoranda: | ||
| Average total assets | $357,412,250 | 2,206 |
| Average earning assets | $349,080,500 | 2,128 |
| Average equity | $29,110,250 | 2,404 |
| Average total loans | $186,165,500 | 2,338 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8951% | 3,798 |
| Cost of funding earning assets | 0.0900% | 4,290 |
| Net interest margin | 2.8051% | 3,432 |
| Noninterest income to average assets | 0.3209% | 3,252 |
| Noninterest expense to average assets | 2.5292% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4219% | 4,072 |
| Return on assets (ROA) | 0.4219% | 4,019 |
| Pretax return on assets | 0.5402% | 3,940 |
| Return on Equity (ROE) | 4.8302% | 3,850 |
| Retained earnings to average equity (ytd only) | -0.1214% | 4,191 |
| Net charge-offs to loans | -0.2032% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4000% | 771 |
| Assets per employee ($millions) | 6.4473% | 2,351 |
| Cash dividends to net income (ytd only)* | 102.5132% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 1,114 |
| Loan loss allowance to noncurrent loans | 888.6297% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 3,016 |
| Noncurrent loans to loans | 0.1816% | 2,789 |
| Net loans and leases to total assets | 53.3734% | 3,024 |
| Net loans and leases to deposits | 57.9215% | 3,234 |
| Net loans and leases to core deposits | 58.0645% | 3,416 |
| Total domestic deposits to total assets | 92.1477% | 782 |
| Equity capital to assets | 7.6808% | 3,359 |
| Core capital (leverage) ratio | 10.3669% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6721% | 896 |
| Memoranda: | ||
| Average total assets | $358,378,000 | 2,209 |
| Average earning assets | $351,142,667 | 2,134 |
| Average equity | $31,303,333 | 2,351 |
| Average total loans | $183,053,333 | 2,364 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6585% | 4,011 |
| Cost of funding earning assets | 0.0941% | 4,211 |
| Net interest margin | 2.5644% | 3,742 |
| Noninterest income to average assets | 0.2971% | 3,339 |
| Noninterest expense to average assets | 2.4782% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2729% | 4,194 |
| Return on assets (ROA) | 0.2729% | 4,162 |
| Pretax return on assets | 0.3389% | 4,131 |
| Return on Equity (ROE) | 2.9537% | 4,101 |
| Retained earnings to average equity (ytd only) | -6.2767% | 4,468 |
| Net charge-offs to loans | -0.2043% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9688% | 640 |
| Assets per employee ($millions) | 6.5283% | 2,356 |
| Cash dividends to net income (ytd only)* | 312.5000% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 1,115 |
| Loan loss allowance to noncurrent loans | 953.2258% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 3,212 |
| Noncurrent loans to loans | 0.1746% | 2,947 |
| Net loans and leases to total assets | 48.6133% | 3,321 |
| Net loans and leases to deposits | 53.2363% | 3,475 |
| Net loans and leases to core deposits | 53.3645% | 3,643 |
| Total domestic deposits to total assets | 91.3161% | 879 |
| Equity capital to assets | 8.4293% | 3,219 |
| Core capital (leverage) ratio | 9.9765% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8931% | 771 |
| Memoranda: | ||
| Average total assets | $363,490,500 | 2,190 |
| Average earning assets | $357,192,500 | 2,124 |
| Average equity | $33,584,500 | 2,301 |
| Average total loans | $180,145,500 | 2,377 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9092% | 4,035 |
| Cost of funding earning assets | 0.1291% | 4,161 |
| Net interest margin | 2.7801% | 3,711 |
| Noninterest income to average assets | 0.3716% | 3,206 |
| Noninterest expense to average assets | 2.6684% | 1,718 |
| Loan and lease loss provision to assets | -0.1397% | 4,608 |
| Net operating income to assets | 0.4434% | 4,198 |
| Return on assets (ROA) | 0.4434% | 4,237 |
| Pretax return on assets | 0.5798% | 4,136 |
| Return on Equity (ROE) | 4.3335% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.0125% | 3,979 |
| Net charge-offs to loans | -0.1914% | 4,701 |
| Credit loss provision to net charge-offs | 132.2751% | 1,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8427% | 483 |
| Assets per employee ($millions) | 6.3435% | 2,456 |
| Cash dividends to net income (ytd only)* | 53.5602% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 1,343 |
| Loan loss allowance to noncurrent loans | 883.6420% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,320 |
| Noncurrent loans to loans | 0.1773% | 3,058 |
| Net loans and leases to total assets | 48.9024% | 3,414 |
| Net loans and leases to deposits | 54.5833% | 3,551 |
| Net loans and leases to core deposits | 54.7138% | 3,709 |
| Total domestic deposits to total assets | 89.5922% | 1,179 |
| Equity capital to assets | 10.0300% | 2,626 |
| Core capital (leverage) ratio | 9.8681% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9531% | 761 |
| Memoranda: | ||
| Average total assets | $357,898,800 | 2,160 |
| Average earning assets | $352,325,600 | 2,072 |
| Average equity | $36,621,800 | 2,219 |
| Average total loans | $197,450,000 | 2,248 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9629% | 4,067 |
| Cost of funding earning assets | 0.1357% | 4,224 |
| Net interest margin | 2.8272% | 3,712 |
| Noninterest income to average assets | 0.3485% | 3,366 |
| Noninterest expense to average assets | 2.6006% | 1,833 |
| Loan and lease loss provision to assets | -0.1877% | 4,739 |
| Net operating income to assets | 0.5410% | 4,118 |
| Return on assets (ROA) | 0.5410% | 4,164 |
| Pretax return on assets | 0.7173% | 4,044 |
| Return on Equity (ROE) | 5.2600% | 4,072 |
| Retained earnings to average equity (ytd only) | 2.1595% | 4,149 |
| Net charge-offs to loans | -0.1724% | 4,749 |
| Credit loss provision to net charge-offs | 192.3077% | 1,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0777% | 570 |
| Assets per employee ($millions) | 6.1795% | 2,524 |
| Cash dividends to net income (ytd only)* | 58.9459% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,853 |
| Loan loss allowance to noncurrent loans | 816.6667% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 3,482 |
| Noncurrent loans to loans | 0.1762% | 3,246 |
| Net loans and leases to total assets | 51.5366% | 3,245 |
| Net loans and leases to deposits | 57.6139% | 3,439 |
| Net loans and leases to core deposits | 57.8060% | 3,642 |
| Total domestic deposits to total assets | 89.4518% | 1,041 |
| Equity capital to assets | 10.1198% | 2,788 |
| Core capital (leverage) ratio | 9.9429% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9852% | 816 |
| Memoranda: | ||
| Average total assets | $355,392,250 | 2,189 |
| Average earning assets | $349,690,750 | 2,103 |
| Average equity | $36,551,500 | 2,255 |
| Average total loans | $201,115,750 | 2,264 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9498% | 4,139 |
| Cost of funding earning assets | 0.1448% | 4,252 |
| Net interest margin | 2.8050% | 3,781 |
| Noninterest income to average assets | 0.3508% | 3,358 |
| Noninterest expense to average assets | 2.6004% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3928% | 4,399 |
| Return on assets (ROA) | 0.3928% | 4,437 |
| Pretax return on assets | 0.5098% | 4,378 |
| Return on Equity (ROE) | 3.7984% | 4,365 |
| Retained earnings to average equity (ytd only) | -0.8673% | 4,594 |
| Net charge-offs to loans | -0.1642% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6101% | 570 |
| Assets per employee ($millions) | 6.2668% | 2,371 |
| Cash dividends to net income (ytd only)* | 122.8324% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,389 |
| Loan loss allowance to noncurrent loans | 806.1381% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 3,498 |
| Noncurrent loans to loans | 0.1937% | 3,261 |
| Net loans and leases to total assets | 55.6306% | 2,946 |
| Net loans and leases to deposits | 62.1617% | 3,183 |
| Net loans and leases to core deposits | 62.3212% | 3,436 |
| Total domestic deposits to total assets | 89.4935% | 1,032 |
| Equity capital to assets | 10.1812% | 2,691 |
| Core capital (leverage) ratio | 9.9424% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7944% | 838 |
| Memoranda: | ||
| Average total assets | $352,325,333 | 2,192 |
| Average earning assets | $346,599,333 | 2,107 |
| Average equity | $36,436,667 | 2,253 |
| Average total loans | $204,606,667 | 2,249 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9589% | 4,170 |
| Cost of funding earning assets | 0.1592% | 4,241 |
| Net interest margin | 2.7996% | 3,765 |
| Noninterest income to average assets | 0.3533% | 3,323 |
| Noninterest expense to average assets | 2.6649% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3430% | 4,459 |
| Return on assets (ROA) | 0.3430% | 4,493 |
| Pretax return on assets | 0.4424% | 4,431 |
| Return on Equity (ROE) | 3.2903% | 4,417 |
| Retained earnings to average equity (ytd only) | -6.0322% | 4,733 |
| Net charge-offs to loans | -0.1495% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7616% | 518 |
| Assets per employee ($millions) | 6.2800% | 2,343 |
| Cash dividends to net income (ytd only)* | 283.3333% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,644 |
| Loan loss allowance to noncurrent loans | 599.0215% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 3,460 |
| Noncurrent loans to loans | 0.2487% | 3,207 |
| Net loans and leases to total assets | 56.5406% | 2,975 |
| Net loans and leases to deposits | 63.0996% | 3,211 |
| Net loans and leases to core deposits | 63.2604% | 3,479 |
| Total domestic deposits to total assets | 89.6053% | 1,017 |
| Equity capital to assets | 10.0620% | 2,652 |
| Core capital (leverage) ratio | 10.1384% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9968% | 789 |
| Memoranda: | ||
| Average total assets | $349,885,000 | 2,189 |
| Average earning assets | $344,186,000 | 2,105 |
| Average equity | $36,471,000 | 2,237 |
| Average total loans | $205,976,000 | 2,236 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5861% | 3,840 |
| Cost of funding earning assets | 0.2669% | 4,308 |
| Net interest margin | 3.3192% | 3,021 |
| Noninterest income to average assets | 0.3899% | 3,149 |
| Noninterest expense to average assets | 2.9263% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5474% | 3,912 |
| Return on assets (ROA) | 0.5474% | 4,005 |
| Pretax return on assets | 0.7243% | 3,828 |
| Return on Equity (ROE) | 4.8862% | 3,936 |
| Retained earnings to average equity (ytd only) | 2.3847% | 3,672 |
| Net charge-offs to loans | -0.1511% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1587% | 879 |
| Assets per employee ($millions) | 5.9966% | 2,337 |
| Cash dividends to net income (ytd only)* | 51.1945% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,793 |
| Loan loss allowance to noncurrent loans | 533.8104% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 3,453 |
| Noncurrent loans to loans | 0.2707% | 3,223 |
| Net loans and leases to total assets | 59.5402% | 2,917 |
| Net loans and leases to deposits | 67.1151% | 3,172 |
| Net loans and leases to core deposits | 67.3514% | 3,451 |
| Total domestic deposits to total assets | 88.7135% | 1,116 |
| Equity capital to assets | 10.8026% | 2,429 |
| Core capital (leverage) ratio | 10.3815% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9270% | 775 |
| Memoranda: | ||
| Average total assets | $321,125,800 | 2,186 |
| Average earning assets | $315,470,400 | 2,095 |
| Average equity | $35,979,200 | 2,175 |
| Average total loans | $209,831,400 | 2,165 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5930% | 4,024 |
| Cost of funding earning assets | 0.2892% | 4,353 |
| Net interest margin | 3.3039% | 3,172 |
| Noninterest income to average assets | 0.3925% | 3,115 |
| Noninterest expense to average assets | 2.9172% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5444% | 3,921 |
| Return on assets (ROA) | 0.5444% | 4,014 |
| Pretax return on assets | 0.7199% | 3,861 |
| Return on Equity (ROE) | 4.8120% | 3,940 |
| Retained earnings to average equity (ytd only) | 1.4548% | 4,097 |
| Net charge-offs to loans | -0.1570% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2065% | 857 |
| Assets per employee ($millions) | 5.9522% | 2,306 |
| Cash dividends to net income (ytd only)* | 69.7674% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,171 |
| Loan loss allowance to noncurrent loans | 248.7201% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 2,779 |
| Noncurrent loans to loans | 0.5214% | 2,491 |
| Net loans and leases to total assets | 64.2606% | 2,740 |
| Net loans and leases to deposits | 72.2737% | 3,109 |
| Net loans and leases to core deposits | 72.5246% | 3,431 |
| Total domestic deposits to total assets | 88.9129% | 807 |
| Equity capital to assets | 10.5701% | 2,729 |
| Core capital (leverage) ratio | 10.3344% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0253% | 912 |
| Memoranda: | ||
| Average total assets | $315,955,250 | 2,191 |
| Average earning assets | $310,295,750 | 2,099 |
| Average equity | $35,743,000 | 2,174 |
| Average total loans | $210,665,000 | 2,160 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 3,978 |
| Cost of funding earning assets | 0.3188% | 4,400 |
| Net interest margin | 3.4358% | 2,986 |
| Noninterest income to average assets | 0.3991% | 3,088 |
| Noninterest expense to average assets | 3.0242% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5637% | 3,852 |
| Return on assets (ROA) | 0.5637% | 3,932 |
| Pretax return on assets | 0.7466% | 3,748 |
| Return on Equity (ROE) | 4.8628% | 3,864 |
| Retained earnings to average equity (ytd only) | -0.2085% | 4,349 |
| Net charge-offs to loans | -0.1544% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2009% | 878 |
| Assets per employee ($millions) | 5.9181% | 2,257 |
| Cash dividends to net income (ytd only)* | 104.2874% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,276 |
| Loan loss allowance to noncurrent loans | 321.5017% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 3,269 |
| Noncurrent loans to loans | 0.3875% | 3,019 |
| Net loans and leases to total assets | 66.4070% | 2,568 |
| Net loans and leases to deposits | 74.8241% | 2,989 |
| Net loans and leases to core deposits | 75.2969% | 3,345 |
| Total domestic deposits to total assets | 88.7508% | 842 |
| Equity capital to assets | 10.7117% | 2,561 |
| Core capital (leverage) ratio | 10.6599% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0284% | 902 |
| Memoranda: | ||
| Average total assets | $306,197,000 | 2,214 |
| Average earning assets | $300,482,333 | 2,126 |
| Average equity | $35,493,667 | 2,185 |
| Average total loans | $205,966,000 | 2,175 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 3,883 |
| Cost of funding earning assets | 0.3536% | 4,506 |
| Net interest margin | 3.6129% | 2,622 |
| Noninterest income to average assets | 0.4611% | 2,743 |
| Noninterest expense to average assets | 3.3114% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5258% | 3,826 |
| Return on assets (ROA) | 0.5258% | 3,882 |
| Pretax return on assets | 0.6937% | 3,703 |
| Return on Equity (ROE) | 4.3442% | 3,858 |
| Retained earnings to average equity (ytd only) | -5.8908% | 4,581 |
| Net charge-offs to loans | -0.1616% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6804% | 920 |
| Assets per employee ($millions) | 4.9826% | 2,665 |
| Cash dividends to net income (ytd only)* | 235.6021% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 1,702 |
| Loan loss allowance to noncurrent loans | 293.7968% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 3,167 |
| Noncurrent loans to loans | 0.4766% | 2,821 |
| Net loans and leases to total assets | 65.7968% | 2,840 |
| Net loans and leases to deposits | 75.1776% | 3,154 |
| Net loans and leases to core deposits | 75.4339% | 3,536 |
| Total domestic deposits to total assets | 87.5217% | 1,320 |
| Equity capital to assets | 11.9646% | 2,097 |
| Core capital (leverage) ratio | 12.0626% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0929% | 1,135 |
| Memoranda: | ||
| Average total assets | $290,629,500 | 2,261 |
| Average earning assets | $285,092,000 | 2,166 |
| Average equity | $35,173,500 | 2,194 |
| Average total loans | $195,530,000 | 2,220 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 4,330 |
| Cost of funding earning assets | 0.3368% | 4,636 |
| Net interest margin | 3.6290% | 3,039 |
| Noninterest income to average assets | 0.5146% | 2,648 |
| Noninterest expense to average assets | 3.3691% | 1,165 |
| Loan and lease loss provision to assets | -0.1408% | 5,101 |
| Net operating income to assets | 0.6393% | 4,042 |
| Return on assets (ROA) | 0.6393% | 4,109 |
| Pretax return on assets | 0.8438% | 3,896 |
| Return on Equity (ROE) | 5.3456% | 4,122 |
| Retained earnings to average equity (ytd only) | 3.6677% | 3,161 |
| Net charge-offs to loans | -0.0204% | 4,627 |
| Credit loss provision to net charge-offs | 1,052.6316% | 326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7369% | 751 |
| Assets per employee ($millions) | 4.8692% | 2,753 |
| Cash dividends to net income (ytd only)* | 31.3877% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 1,630 |
| Loan loss allowance to noncurrent loans | 277.3389% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 3,082 |
| Noncurrent loans to loans | 0.4936% | 2,703 |
| Net loans and leases to total assets | 66.9091% | 2,846 |
| Net loans and leases to deposits | 76.6714% | 3,117 |
| Net loans and leases to core deposits | 76.9387% | 3,517 |
| Total domestic deposits to total assets | 87.2673% | 1,481 |
| Equity capital to assets | 12.2436% | 1,985 |
| Core capital (leverage) ratio | 11.9744% | 1,799 |
| Tier 1 risk-based capital ratio | 17.1320% | 2,016 |
| Total risk-based capital ratio | 18.3825% | 1,947 |
| Memoranda: | ||
| Average total assets | $284,078,400 | 2,259 |
| Average earning assets | $278,479,000 | 2,154 |
| Average equity | $33,972,000 | 2,188 |
| Average total loans | $186,608,200 | 2,260 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 4,455 |
| Cost of funding earning assets | 0.3232% | 4,740 |
| Net interest margin | 3.6293% | 3,173 |
| Noninterest income to average assets | 0.5695% | 2,358 |
| Noninterest expense to average assets | 3.3201% | 1,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6128% | 4,267 |
| Return on assets (ROA) | 0.6128% | 4,313 |
| Pretax return on assets | 0.8063% | 4,104 |
| Return on Equity (ROE) | 5.1556% | 4,290 |
| Retained earnings to average equity (ytd only) | 2.8985% | 3,935 |
| Net charge-offs to loans | 0.0116% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 107.0764% | 713 |
| Efficiency ratio | 80.4608% | 880 |
| Assets per employee ($millions) | 5.0119% | 2,553 |
| Cash dividends to net income (ytd only)* | 43.7787% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 960 |
| Loan loss allowance to noncurrent loans | 275.2511% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 3,023 |
| Noncurrent loans to loans | 0.5879% | 2,523 |
| Net loans and leases to total assets | 61.9729% | 3,497 |
| Net loans and leases to deposits | 70.5621% | 3,729 |
| Net loans and leases to core deposits | 70.8688% | 4,008 |
| Total domestic deposits to total assets | 87.8275% | 1,117 |
| Equity capital to assets | 11.7332% | 2,475 |
| Core capital (leverage) ratio | 11.7472% | 2,042 |
| Tier 1 risk-based capital ratio | 17.4545% | 1,955 |
| Total risk-based capital ratio | 18.7077% | 1,924 |
| Memoranda: | ||
| Average total assets | $283,277,000 | 2,277 |
| Average earning assets | $277,625,000 | 2,178 |
| Average equity | $33,671,500 | 2,222 |
| Average total loans | $184,538,500 | 2,297 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 4,543 |
| Cost of funding earning assets | 0.3042% | 4,815 |
| Net interest margin | 3.6019% | 3,248 |
| Noninterest income to average assets | 0.5954% | 2,174 |
| Noninterest expense to average assets | 3.3933% | 1,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5589% | 4,407 |
| Return on assets (ROA) | 0.5589% | 4,437 |
| Pretax return on assets | 0.7308% | 4,256 |
| Return on Equity (ROE) | 4.6804% | 4,425 |
| Retained earnings to average equity (ytd only) | 1.2601% | 4,362 |
| Net charge-offs to loans | 0.1044% | 1,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 2,253 |
| Efficiency ratio | 82.2794% | 785 |
| Assets per employee ($millions) | 4.6007% | 3,000 |
| Cash dividends to net income (ytd only)* | 73.0769% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 1,060 |
| Loan loss allowance to noncurrent loans | 209.9499% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 2,512 |
| Noncurrent loans to loans | 0.7545% | 2,098 |
| Net loans and leases to total assets | 62.8724% | 3,467 |
| Net loans and leases to deposits | 71.5171% | 3,721 |
| Net loans and leases to core deposits | 71.7440% | 4,023 |
| Total domestic deposits to total assets | 87.9125% | 1,140 |
| Equity capital to assets | 11.7715% | 2,364 |
| Core capital (leverage) ratio | 12.2504% | 1,675 |
| Tier 1 risk-based capital ratio | 17.2986% | 1,998 |
| Total risk-based capital ratio | 18.5517% | 1,949 |
| Memoranda: | ||
| Average total assets | $279,136,000 | 2,303 |
| Average earning assets | $273,467,000 | 2,208 |
| Average equity | $33,330,330 | 2,234 |
| Average total loans | $183,962,000 | 2,309 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 4,593 |
| Cost of funding earning assets | 0.2792% | 4,903 |
| Net interest margin | 3.5976% | 3,254 |
| Noninterest income to average assets | 0.4704% | 2,732 |
| Noninterest expense to average assets | 3.4275% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4383% | 4,656 |
| Return on assets (ROA) | 0.4383% | 4,674 |
| Pretax return on assets | 0.5640% | 4,578 |
| Return on Equity (ROE) | 3.6434% | 4,653 |
| Retained earnings to average equity (ytd only) | -3.2791% | 4,830 |
| Net charge-offs to loans | -0.1723% | 5,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8712% | 588 |
| Assets per employee ($millions) | 4.5541% | 3,111 |
| Cash dividends to net income (ytd only)* | 190.0000% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 850 |
| Loan loss allowance to noncurrent loans | 190.2081% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 2,009 |
| Noncurrent loans to loans | 0.8968% | 1,860 |
| Net loans and leases to total assets | 65.5445% | 3,108 |
| Net loans and leases to deposits | 74.8394% | 3,372 |
| Net loans and leases to core deposits | 74.9334% | 3,738 |
| Total domestic deposits to total assets | 87.5801% | 1,528 |
| Equity capital to assets | 12.1176% | 1,954 |
| Core capital (leverage) ratio | 12.3385% | 1,585 |
| Tier 1 risk-based capital ratio | 17.6989% | 1,882 |
| Total risk-based capital ratio | 18.9538% | 1,839 |
| Memoranda: | ||
| Average total assets | $273,782,000 | 2,353 |
| Average earning assets | $267,953,500 | 2,257 |
| Average equity | $32,936,000 | 2,256 |
| Average total loans | $183,360,500 | 2,331 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,589 |
| Cost of funding earning assets | 0.2205% | 4,918 |
| Net interest margin | 3.5293% | 3,605 |
| Noninterest income to average assets | 0.5462% | 2,573 |
| Noninterest expense to average assets | 3.3927% | 1,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4794% | 4,704 |
| Return on assets (ROA) | 0.4794% | 4,706 |
| Pretax return on assets | 0.6021% | 4,625 |
| Return on Equity (ROE) | 4.0970% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.0970% | 3,304 |
| Net charge-offs to loans | -0.0973% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9283% | 585 |
| Assets per employee ($millions) | 4.5719% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 938 |
| Loan loss allowance to noncurrent loans | 186.2854% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 1,999 |
| Noncurrent loans to loans | 0.8812% | 1,827 |
| Net loans and leases to total assets | 66.1591% | 3,105 |
| Net loans and leases to deposits | 75.4289% | 3,393 |
| Net loans and leases to core deposits | 75.5231% | 3,750 |
| Total domestic deposits to total assets | 87.7105% | 1,444 |
| Equity capital to assets | 11.9428% | 1,941 |
| Core capital (leverage) ratio | 12.4616% | 1,475 |
| Tier 1 risk-based capital ratio | 17.6823% | 1,853 |
| Total risk-based capital ratio | 18.9364% | 1,802 |
| Memoranda: | ||
| Average total assets | $273,881,800 | 2,303 |
| Average earning assets | $267,617,600 | 2,212 |
| Average equity | $32,047,600 | 2,215 |
| Average total loans | $181,955,000 | 2,317 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6765% | 4,693 |
| Cost of funding earning assets | 0.2224% | 4,929 |
| Net interest margin | 3.4541% | 3,851 |
| Noninterest income to average assets | 0.5284% | 2,689 |
| Noninterest expense to average assets | 3.3350% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4554% | 4,846 |
| Return on assets (ROA) | 0.4554% | 4,855 |
| Pretax return on assets | 0.5674% | 4,787 |
| Return on Equity (ROE) | 3.9117% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.9117% | 3,817 |
| Net charge-offs to loans | -0.0515% | 4,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4611% | 547 |
| Assets per employee ($millions) | 4.3689% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,093 |
| Loan loss allowance to noncurrent loans | 171.1775% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 2,031 |
| Noncurrent loans to loans | 0.9315% | 1,829 |
| Net loans and leases to total assets | 66.5756% | 3,116 |
| Net loans and leases to deposits | 75.7245% | 3,438 |
| Net loans and leases to core deposits | 75.7245% | 3,824 |
| Total domestic deposits to total assets | 87.9182% | 1,273 |
| Equity capital to assets | 11.8370% | 2,013 |
| Core capital (leverage) ratio | 12.1801% | 1,676 |
| Tier 1 risk-based capital ratio | 18.3055% | 1,718 |
| Total risk-based capital ratio | 19.5596% | 1,670 |
| Memoranda: | ||
| Average total assets | $273,773,250 | 2,314 |
| Average earning assets | $267,421,500 | 2,226 |
| Average equity | $31,869,250 | 2,227 |
| Average total loans | $181,315,250 | 2,337 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 4,727 |
| Cost of funding earning assets | 0.2296% | 4,860 |
| Net interest margin | 3.3957% | 3,966 |
| Noninterest income to average assets | 0.5423% | 2,613 |
| Noninterest expense to average assets | 3.3333% | 1,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4251% | 4,912 |
| Return on assets (ROA) | 0.4251% | 4,918 |
| Pretax return on assets | 0.5256% | 4,861 |
| Return on Equity (ROE) | 3.6724% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.6724% | 3,758 |
| Net charge-offs to loans | -0.0011% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3799% | 552 |
| Assets per employee ($millions) | 4.3632% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 1,081 |
| Loan loss allowance to noncurrent loans | 182.8846% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 2,123 |
| Noncurrent loans to loans | 0.8809% | 1,966 |
| Net loans and leases to total assets | 64.4118% | 3,351 |
| Net loans and leases to deposits | 73.2423% | 3,603 |
| Net loans and leases to core deposits | 73.5515% | 3,904 |
| Total domestic deposits to total assets | 87.9435% | 1,412 |
| Equity capital to assets | 11.7871% | 2,001 |
| Core capital (leverage) ratio | 12.4282% | 1,474 |
| Tier 1 risk-based capital ratio | 18.8904% | 1,578 |
| Total risk-based capital ratio | 20.1379% | 1,540 |
| Memoranda: | ||
| Average total assets | $274,740,670 | 2,316 |
| Average earning assets | $268,338,670 | 2,220 |
| Average equity | $31,804,670 | 2,234 |
| Average total loans | $180,668,330 | 2,351 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 4,743 |
| Cost of funding earning assets | 0.2648% | 4,619 |
| Net interest margin | 3.3162% | 4,143 |
| Noninterest income to average assets | 0.5548% | 2,500 |
| Noninterest expense to average assets | 3.3780% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3439% | 5,017 |
| Return on assets (ROA) | 0.3439% | 5,022 |
| Pretax return on assets | 0.4161% | 5,013 |
| Return on Equity (ROE) | 2.9971% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.9971% | 4,001 |
| Net charge-offs to loans | -0.0921% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0327% | 485 |
| Assets per employee ($millions) | 4.2396% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 1,144 |
| Loan loss allowance to noncurrent loans | 119.7848% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 1,700 |
| Noncurrent loans to loans | 1.3423% | 1,328 |
| Net loans and leases to total assets | 66.3072% | 2,985 |
| Net loans and leases to deposits | 75.4647% | 3,277 |
| Net loans and leases to core deposits | 75.7876% | 3,689 |
| Total domestic deposits to total assets | 87.8653% | 1,694 |
| Equity capital to assets | 11.8457% | 1,886 |
| Core capital (leverage) ratio | 11.7301% | 1,828 |
| Tier 1 risk-based capital ratio | 18.1730% | 1,777 |
| Total risk-based capital ratio | 19.4258% | 1,736 |
| Memoranda: | ||
| Average total assets | $276,852,500 | 2,327 |
| Average earning assets | $270,430,000 | 2,225 |
| Average equity | $31,764,000 | 2,255 |
| Average total loans | $182,453,500 | 2,343 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 4,787 |
| Cost of funding earning assets | 0.3144% | 4,007 |
| Net interest margin | 3.1865% | 4,483 |
| Noninterest income to average assets | 0.4839% | 3,100 |
| Noninterest expense to average assets | 3.1689% | 1,684 |
| Loan and lease loss provision to assets | -0.1732% | 5,560 |
| Net operating income to assets | 0.2632% | 4,998 |
| Return on assets (ROA) | 0.2625% | 5,015 |
| Pretax return on assets | 0.5909% | 4,759 |
| Return on Equity (ROE) | 2.3744% | 4,980 |
| Retained earnings to average equity (ytd only) | 2.3744% | 3,904 |
| Net charge-offs to loans | -0.0258% | 5,017 |
| Credit loss provision to net charge-offs | 1,041.6667% | 347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3279% | 514 |
| Assets per employee ($millions) | 4.5494% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,289 |
| Loan loss allowance to noncurrent loans | 101.7481% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9958% | 1,552 |
| Noncurrent loans to loans | 1.5159% | 1,119 |
| Net loans and leases to total assets | 63.5211% | 3,418 |
| Net loans and leases to deposits | 77.1773% | 3,210 |
| Net loans and leases to core deposits | 77.1773% | 3,656 |
| Total domestic deposits to total assets | 82.3053% | 3,785 |
| Equity capital to assets | 11.1262% | 2,512 |
| Core capital (leverage) ratio | 11.1180% | 2,232 |
| Tier 1 risk-based capital ratio | 17.7390% | 1,879 |
| Total risk-based capital ratio | 18.9889% | 1,825 |
| Memoranda: | ||
| Average total assets | $288,709,400 | 2,234 |
| Average earning assets | $281,215,000 | 2,148 |
| Average equity | $31,923,800 | 2,221 |
| Average total loans | $185,732,800 | 2,276 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4679% | 4,869 |
| Cost of funding earning assets | 0.3116% | 4,008 |
| Net interest margin | 3.1563% | 4,564 |
| Noninterest income to average assets | 0.5006% | 3,025 |
| Noninterest expense to average assets | 3.1651% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3192% | 5,183 |
| Return on assets (ROA) | 0.3181% | 5,210 |
| Pretax return on assets | 0.4066% | 5,177 |
| Return on Equity (ROE) | 2.8810% | 5,135 |
| Retained earnings to average equity (ytd only) | 2.8810% | 4,185 |
| Net charge-offs to loans | -0.0445% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5821% | 475 |
| Assets per employee ($millions) | 4.5407% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7933% | 860 |
| Loan loss allowance to noncurrent loans | 79.8009% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4464% | 1,060 |
| Noncurrent loans to loans | 2.2473% | 719 |
| Net loans and leases to total assets | 62.4536% | 3,603 |
| Net loans and leases to deposits | 75.5322% | 3,422 |
| Net loans and leases to core deposits | 75.5322% | 3,835 |
| Total domestic deposits to total assets | 82.6847% | 3,553 |
| Equity capital to assets | 10.9259% | 2,937 |
| Core capital (leverage) ratio | 10.8963% | 2,553 |
| Tier 1 risk-based capital ratio | 17.2814% | 2,069 |
| Total risk-based capital ratio | 18.5394% | 2,023 |
| Memoranda: | ||
| Average total assets | $289,233,750 | 2,239 |
| Average earning assets | $281,543,750 | 2,166 |
| Average equity | $31,932,500 | 2,239 |
| Average total loans | $185,938,250 | 2,287 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 4,853 |
| Cost of funding earning assets | 0.3085% | 4,000 |
| Net interest margin | 3.1511% | 4,544 |
| Noninterest income to average assets | 0.4881% | 3,097 |
| Noninterest expense to average assets | 3.1810% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2959% | 5,233 |
| Return on assets (ROA) | 0.2959% | 5,250 |
| Pretax return on assets | 0.3725% | 5,229 |
| Return on Equity (ROE) | 2.6706% | 5,203 |
| Retained earnings to average equity (ytd only) | 2.6706% | 4,103 |
| Net charge-offs to loans | -0.0615% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5180% | 475 |
| Assets per employee ($millions) | 4.5114% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 915 |
| Loan loss allowance to noncurrent loans | 95.0778% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.2420% | 1,356 |
| Noncurrent loans to loans | 1.8755% | 934 |
| Net loans and leases to total assets | 64.1164% | 3,369 |
| Net loans and leases to deposits | 77.7807% | 3,140 |
| Net loans and leases to core deposits | 77.7807% | 3,617 |
| Total domestic deposits to total assets | 82.4323% | 3,757 |
| Equity capital to assets | 11.0838% | 2,720 |
| Core capital (leverage) ratio | 10.8910% | 2,519 |
| Tier 1 risk-based capital ratio | 16.5875% | 2,284 |
| Total risk-based capital ratio | 17.8443% | 2,234 |
| Memoranda: | ||
| Average total assets | $287,263,670 | 2,260 |
| Average earning assets | $279,455,000 | 2,177 |
| Average equity | $31,827,670 | 2,238 |
| Average total loans | $185,353,000 | 2,303 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 4,839 |
| Cost of funding earning assets | 0.3073% | 3,967 |
| Net interest margin | 3.1386% | 4,532 |
| Noninterest income to average assets | 0.4914% | 3,034 |
| Noninterest expense to average assets | 3.1689% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2932% | 5,214 |
| Return on assets (ROA) | 0.2932% | 5,227 |
| Pretax return on assets | 0.3741% | 5,203 |
| Return on Equity (ROE) | 2.6465% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.6465% | 4,080 |
| Net charge-offs to loans | 0.0435% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 1,786 |
| Efficiency ratio | 89.4405% | 582 |
| Assets per employee ($millions) | 4.4777% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 1,027 |
| Loan loss allowance to noncurrent loans | 166.5314% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 2,527 |
| Noncurrent loans to loans | 1.0583% | 1,938 |
| Net loans and leases to total assets | 63.8734% | 3,297 |
| Net loans and leases to deposits | 77.4599% | 3,037 |
| Net loans and leases to core deposits | 77.4599% | 3,519 |
| Total domestic deposits to total assets | 82.4600% | 4,035 |
| Equity capital to assets | 11.0265% | 2,603 |
| Core capital (leverage) ratio | 11.2483% | 2,150 |
| Tier 1 risk-based capital ratio | 17.1483% | 2,132 |
| Total risk-based capital ratio | 18.4045% | 2,083 |
| Memoranda: | ||
| Average total assets | $286,531,500 | 2,280 |
| Average earning assets | $278,595,500 | 2,196 |
| Average equity | $31,740,500 | 2,250 |
| Average total loans | $183,788,000 | 2,327 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4659% | 4,859 |
| Cost of funding earning assets | 0.3657% | 3,361 |
| Net interest margin | 3.1002% | 4,724 |
| Noninterest income to average assets | 0.5287% | 3,036 |
| Noninterest expense to average assets | 3.1487% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2779% | 5,266 |
| Return on assets (ROA) | 0.3110% | 5,261 |
| Pretax return on assets | 0.4122% | 5,205 |
| Return on Equity (ROE) | 2.8632% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.8632% | 3,858 |
| Net charge-offs to loans | -0.0124% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5336% | 586 |
| Assets per employee ($millions) | 4.4075% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 911 |
| Loan loss allowance to noncurrent loans | 143.6522% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 2,295 |
| Noncurrent loans to loans | 1.2690% | 1,614 |
| Net loans and leases to total assets | 62.1118% | 3,600 |
| Net loans and leases to deposits | 75.3939% | 3,380 |
| Net loans and leases to core deposits | 75.3939% | 3,804 |
| Total domestic deposits to total assets | 82.3830% | 3,966 |
| Equity capital to assets | 11.1285% | 2,503 |
| Core capital (leverage) ratio | 11.0438% | 2,302 |
| Tier 1 risk-based capital ratio | 17.9982% | 1,846 |
| Total risk-based capital ratio | 19.2554% | 1,808 |
| Memoranda: | ||
| Average total assets | $294,501,000 | 2,197 |
| Average earning assets | $283,851,800 | 2,131 |
| Average equity | $31,992,000 | 2,225 |
| Average total loans | $185,964,600 | 2,248 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4475% | 4,926 |
| Cost of funding earning assets | 0.3810% | 3,216 |
| Net interest margin | 3.0665% | 4,861 |
| Noninterest income to average assets | 0.5293% | 3,051 |
| Noninterest expense to average assets | 3.2030% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2274% | 5,422 |
| Return on assets (ROA) | 0.2748% | 5,417 |
| Pretax return on assets | 0.3413% | 5,392 |
| Return on Equity (ROE) | 2.5442% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.5442% | 4,396 |
| Net charge-offs to loans | -0.0050% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8860% | 465 |
| Assets per employee ($millions) | 4.5139% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 974 |
| Loan loss allowance to noncurrent loans | 125.3526% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 2,055 |
| Noncurrent loans to loans | 1.4533% | 1,490 |
| Net loans and leases to total assets | 60.3939% | 3,829 |
| Net loans and leases to deposits | 73.2019% | 3,673 |
| Net loans and leases to core deposits | 73.2019% | 4,065 |
| Total domestic deposits to total assets | 82.5032% | 3,777 |
| Equity capital to assets | 11.0330% | 2,970 |
| Core capital (leverage) ratio | 10.9419% | 2,516 |
| Tier 1 risk-based capital ratio | 17.9948% | 1,922 |
| Total risk-based capital ratio | 19.2518% | 1,888 |
| Memoranda: | ||
| Average total assets | $296,503,750 | 2,193 |
| Average earning assets | $285,878,750 | 2,130 |
| Average equity | $32,019,500 | 2,244 |
| Average total loans | $187,143,750 | 2,239 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4045% | 5,071 |
| Cost of funding earning assets | 0.3959% | 3,086 |
| Net interest margin | 3.0087% | 5,063 |
| Noninterest income to average assets | 0.5189% | 3,076 |
| Noninterest expense to average assets | 3.2433% | 1,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1570% | 5,600 |
| Return on assets (ROA) | 0.2339% | 5,525 |
| Pretax return on assets | 0.2648% | 5,543 |
| Return on Equity (ROE) | 2.1817% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.1817% | 4,480 |
| Net charge-offs to loans | 0.0011% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 258 |
| Efficiency ratio | 94.8123% | 385 |
| Assets per employee ($millions) | 4.3899% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 1,104 |
| Loan loss allowance to noncurrent loans | 70.8729% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.8017% | 957 |
| Noncurrent loans to loans | 2.5141% | 686 |
| Net loans and leases to total assets | 62.4024% | 3,575 |
| Net loans and leases to deposits | 77.3253% | 3,229 |
| Net loans and leases to core deposits | 77.3253% | 3,709 |
| Total domestic deposits to total assets | 80.7011% | 4,363 |
| Equity capital to assets | 11.0930% | 2,954 |
| Core capital (leverage) ratio | 10.8426% | 2,603 |
| Tier 1 risk-based capital ratio | 17.8252% | 1,983 |
| Total risk-based capital ratio | 19.0825% | 1,940 |
| Memoranda: | ||
| Average total assets | $297,537,670 | 2,200 |
| Average earning assets | $286,970,330 | 2,132 |
| Average equity | $31,902,330 | 2,248 |
| Average total loans | $189,363,330 | 2,217 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4062% | 5,115 |
| Cost of funding earning assets | 0.3907% | 3,181 |
| Net interest margin | 3.0155% | 5,082 |
| Noninterest income to average assets | 0.4989% | 3,120 |
| Noninterest expense to average assets | 3.2603% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1140% | 5,659 |
| Return on assets (ROA) | 0.2468% | 5,507 |
| Pretax return on assets | 0.3198% | 5,475 |
| Return on Equity (ROE) | 2.3408% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.3408% | 4,315 |
| Net charge-offs to loans | 0.0479% | 2,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.8261% | 2,392 |
| Efficiency ratio | 95.6776% | 405 |
| Assets per employee ($millions) | 4.4238% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7509% | 1,250 |
| Loan loss allowance to noncurrent loans | 71.8716% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 1,160 |
| Noncurrent loans to loans | 2.4361% | 790 |
| Net loans and leases to total assets | 60.9597% | 3,653 |
| Net loans and leases to deposits | 74.7104% | 3,348 |
| Net loans and leases to core deposits | 74.7104% | 3,820 |
| Total domestic deposits to total assets | 81.5946% | 4,330 |
| Equity capital to assets | 10.5485% | 3,432 |
| Core capital (leverage) ratio | 10.5832% | 2,868 |
| Tier 1 risk-based capital ratio | 17.4816% | 2,127 |
| Total risk-based capital ratio | 18.7385% | 2,096 |
| Memoranda: | ||
| Average total assets | $301,441,000 | 2,175 |
| Average earning assets | $290,768,000 | 2,124 |
| Average equity | $31,783,500 | 2,257 |
| Average total loans | $192,005,500 | 2,190 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 4,055 |
| Cost of funding earning assets | 0.4117% | 3,037 |
| Net interest margin | 3.3842% | 3,969 |
| Noninterest income to average assets | 0.7374% | 2,034 |
| Noninterest expense to average assets | 3.2219% | 1,910 |
| Loan and lease loss provision to assets | -0.4279% | 6,109 |
| Net operating income to assets | 0.7801% | 3,419 |
| Return on assets (ROA) | 0.7801% | 3,494 |
| Pretax return on assets | 1.1964% | 2,670 |
| Return on Equity (ROE) | 7.3553% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.3553% | 1,144 |
| Net charge-offs to loans | 0.8377% | 260 |
| Credit loss provision to net charge-offs | -75.9878% | 5,104 |
| Earnings coverage of net charge-offs (x) | 1.3647% | 4,100 |
| Efficiency ratio | 80.7412% | 1,575 |
| Assets per employee ($millions) | 4.3777% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 1,425 |
| Loan loss allowance to noncurrent loans | 122.2057% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 1,877 |
| Noncurrent loans to loans | 1.3645% | 1,716 |
| Net loans and leases to total assets | 64.2494% | 3,238 |
| Net loans and leases to deposits | 78.6842% | 2,978 |
| Net loans and leases to core deposits | 78.6842% | 3,477 |
| Total domestic deposits to total assets | 81.6548% | 4,281 |
| Equity capital to assets | 10.5392% | 3,315 |
| Core capital (leverage) ratio | 10.5015% | 2,928 |
| Tier 1 risk-based capital ratio | 16.6505% | 2,408 |
| Total risk-based capital ratio | 17.9059% | 2,368 |
| Memoranda: | ||
| Average total assets | $292,124,400 | 2,197 |
| Average earning assets | $280,802,600 | 2,131 |
| Average equity | $30,984,600 | 2,250 |
| Average total loans | $196,379,800 | 2,109 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 3,896 |
| Cost of funding earning assets | 0.4168% | 3,046 |
| Net interest margin | 3.4427% | 3,783 |
| Noninterest income to average assets | 0.6946% | 2,253 |
| Noninterest expense to average assets | 3.2347% | 1,869 |
| Loan and lease loss provision to assets | -0.5754% | 6,223 |
| Net operating income to assets | 0.8686% | 3,091 |
| Return on assets (ROA) | 0.8686% | 3,181 |
| Pretax return on assets | 1.3432% | 2,236 |
| Return on Equity (ROE) | 8.1761% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.1761% | 1,182 |
| Net charge-offs to loans | 0.6356% | 350 |
| Credit loss provision to net charge-offs | -133.6898% | 5,095 |
| Earnings coverage of net charge-offs (x) | 1.7839% | 3,781 |
| Efficiency ratio | 80.8166% | 1,544 |
| Assets per employee ($millions) | 4.3991% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 839 |
| Loan loss allowance to noncurrent loans | 142.2325% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.5810% | 1,415 |
| Noncurrent loans to loans | 1.4450% | 1,738 |
| Net loans and leases to total assets | 64.6905% | 3,202 |
| Net loans and leases to deposits | 79.7672% | 2,911 |
| Net loans and leases to core deposits | 79.7672% | 3,446 |
| Total domestic deposits to total assets | 81.0991% | 4,452 |
| Equity capital to assets | 10.7708% | 3,277 |
| Core capital (leverage) ratio | 10.8415% | 2,655 |
| Tier 1 risk-based capital ratio | 16.6149% | 2,518 |
| Total risk-based capital ratio | 17.8753% | 2,472 |
| Memoranda: | ||
| Average total assets | $289,640,000 | 2,226 |
| Average earning assets | $278,300,000 | 2,159 |
| Average equity | $30,772,000 | 2,282 |
| Average total loans | $196,133,750 | 2,123 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,504 |
| Cost of funding earning assets | 0.4270% | 2,963 |
| Net interest margin | 3.5197% | 3,419 |
| Noninterest income to average assets | 0.6522% | 2,466 |
| Noninterest expense to average assets | 3.2771% | 1,769 |
| Loan and lease loss provision to assets | -0.8682% | 6,320 |
| Net operating income to assets | 1.0426% | 2,170 |
| Return on assets (ROA) | 1.0426% | 2,285 |
| Pretax return on assets | 1.6274% | 1,259 |
| Return on Equity (ROE) | 9.8596% | 2,134 |
| Retained earnings to average equity (ytd only) | 9.8596% | 691 |
| Net charge-offs to loans | 1.1047% | 175 |
| Credit loss provision to net charge-offs | -115.1013% | 4,923 |
| Earnings coverage of net charge-offs (x) | 1.0064% | 3,588 |
| Efficiency ratio | 81.1908% | 1,595 |
| Assets per employee ($millions) | 4.2153% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9892% | 1,004 |
| Loan loss allowance to noncurrent loans | 120.5763% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.7415% | 1,348 |
| Noncurrent loans to loans | 1.6497% | 1,584 |
| Net loans and leases to total assets | 66.1791% | 2,920 |
| Net loans and leases to deposits | 81.7082% | 2,596 |
| Net loans and leases to core deposits | 81.7082% | 3,213 |
| Total domestic deposits to total assets | 80.9944% | 4,619 |
| Equity capital to assets | 10.8365% | 3,067 |
| Core capital (leverage) ratio | 10.8334% | 2,576 |
| Tier 1 risk-based capital ratio | 16.4097% | 2,657 |
| Total risk-based capital ratio | 17.6694% | 2,609 |
| Memoranda: | ||
| Average total assets | $287,939,330 | 2,251 |
| Average earning assets | $276,840,670 | 2,186 |
| Average equity | $30,447,330 | 2,307 |
| Average total loans | $196,621,330 | 2,113 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 4,157 |
| Cost of funding earning assets | 0.4444% | 2,833 |
| Net interest margin | 3.3185% | 4,141 |
| Noninterest income to average assets | 0.5600% | 2,892 |
| Noninterest expense to average assets | 3.3764% | 1,537 |
| Loan and lease loss provision to assets | -1.7326% | 6,406 |
| Net operating income to assets | 1.3209% | 1,206 |
| Return on assets (ROA) | 1.3209% | 1,291 |
| Pretax return on assets | 2.1040% | 479 |
| Return on Equity (ROE) | 12.6476% | 1,177 |
| Retained earnings to average equity (ytd only) | 12.6476% | 487 |
| Net charge-offs to loans | 0.4582% | 542 |
| Credit loss provision to net charge-offs | -550.6608% | 4,845 |
| Earnings coverage of net charge-offs (x) | 1.1806% | 2,957 |
| Efficiency ratio | 90.0888% | 842 |
| Assets per employee ($millions) | 4.2540% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4126% | 599 |
| Loan loss allowance to noncurrent loans | 71.1867% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 2.5914% | 808 |
| Noncurrent loans to loans | 3.3892% | 585 |
| Net loans and leases to total assets | 65.8457% | 2,804 |
| Net loans and leases to deposits | 81.1279% | 2,434 |
| Net loans and leases to core deposits | 81.1279% | 3,043 |
| Total domestic deposits to total assets | 81.1629% | 4,782 |
| Equity capital to assets | 10.6465% | 3,378 |
| Core capital (leverage) ratio | 10.7343% | 2,709 |
| Tier 1 risk-based capital ratio | 16.1446% | 2,852 |
| Total risk-based capital ratio | 17.4096% | 2,782 |
| Memoranda: | ||
| Average total assets | $288,588,000 | 2,258 |
| Average earning assets | $277,237,000 | 2,194 |
| Average equity | $30,140,000 | 2,339 |
| Average total loans | $198,158,500 | 2,096 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 4,325 |
| Cost of funding earning assets | 0.4695% | 2,985 |
| Net interest margin | 3.3796% | 4,281 |
| Noninterest income to average assets | 0.6134% | 2,782 |
| Noninterest expense to average assets | 3.9604% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0007% | 6,088 |
| Return on assets (ROA) | 1.0510% | 2,226 |
| Pretax return on assets | 0.9402% | 3,736 |
| Return on Equity (ROE) | 10.7966% | 1,790 |
| Retained earnings to average equity (ytd only) | 10.7966% | 400 |
| Net charge-offs to loans | 0.0641% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -2.5078% | 4,846 |
| Efficiency ratio | 102.8617% | 309 |
| Assets per employee ($millions) | 4.2308% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0755% | 274 |
| Loan loss allowance to noncurrent loans | 86.0481% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 2.8471% | 748 |
| Noncurrent loans to loans | 3.5742% | 565 |
| Net loans and leases to total assets | 67.7634% | 2,595 |
| Net loans and leases to deposits | 83.6225% | 2,261 |
| Net loans and leases to core deposits | 83.6225% | 2,939 |
| Total domestic deposits to total assets | 81.0349% | 4,737 |
| Equity capital to assets | 10.1737% | 3,889 |
| Core capital (leverage) ratio | 9.3174% | 4,515 |
| Tier 1 risk-based capital ratio | 13.8785% | 4,184 |
| Total risk-based capital ratio | 15.1525% | 4,099 |
| Memoranda: | ||
| Average total assets | $291,332,200 | 2,201 |
| Average earning assets | $279,023,600 | 2,139 |
| Average equity | $28,360,800 | 2,383 |
| Average total loans | $199,626,600 | 2,039 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 4,413 |
| Cost of funding earning assets | 0.4737% | 3,018 |
| Net interest margin | 3.3632% | 4,380 |
| Noninterest income to average assets | 0.5000% | 3,544 |
| Noninterest expense to average assets | 3.2639% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3358% | 5,472 |
| Return on assets (ROA) | 1.7319% | 595 |
| Pretax return on assets | 1.8518% | 801 |
| Return on Equity (ROE) | 17.9898% | 450 |
| Retained earnings to average equity (ytd only) | 17.9898% | 117 |
| Net charge-offs to loans | 0.1104% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.0547% | 3,148 |
| Efficiency ratio | 87.7468% | 1,025 |
| Assets per employee ($millions) | 4.3161% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0579% | 339 |
| Loan loss allowance to noncurrent loans | 80.0443% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 3.0272% | 775 |
| Noncurrent loans to loans | 3.8203% | 583 |
| Net loans and leases to total assets | 67.4093% | 2,624 |
| Net loans and leases to deposits | 82.7107% | 2,335 |
| Net loans and leases to core deposits | 82.7107% | 3,033 |
| Total domestic deposits to total assets | 81.5002% | 4,660 |
| Equity capital to assets | 10.2237% | 3,900 |
| Core capital (leverage) ratio | 9.8709% | 3,851 |
| Tier 1 risk-based capital ratio | 14.4819% | 3,902 |
| Total risk-based capital ratio | 15.7555% | 3,822 |
| Memoranda: | ||
| Average total assets | $292,242,250 | 2,216 |
| Average earning assets | $279,763,500 | 2,142 |
| Average equity | $28,133,750 | 2,411 |
| Average total loans | $199,249,250 | 2,056 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 4,444 |
| Cost of funding earning assets | 0.4766% | 3,052 |
| Net interest margin | 3.3439% | 4,428 |
| Noninterest income to average assets | 0.4372% | 3,972 |
| Noninterest expense to average assets | 3.3069% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2585% | 5,691 |
| Return on assets (ROA) | 2.3453% | 185 |
| Pretax return on assets | 2.4135% | 249 |
| Return on Equity (ROE) | 24.8692% | 114 |
| Retained earnings to average equity (ytd only) | 24.8692% | 45 |
| Net charge-offs to loans | 0.3544% | 1,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.3608% | 3,826 |
| Efficiency ratio | 91.0098% | 834 |
| Assets per employee ($millions) | 4.2316% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9825% | 393 |
| Loan loss allowance to noncurrent loans | 73.9702% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 3.3299% | 730 |
| Noncurrent loans to loans | 4.0321% | 586 |
| Net loans and leases to total assets | 68.4029% | 2,347 |
| Net loans and leases to deposits | 84.0576% | 2,035 |
| Net loans and leases to core deposits | 84.0576% | 2,731 |
| Total domestic deposits to total assets | 81.3763% | 4,848 |
| Equity capital to assets | 10.3333% | 3,645 |
| Core capital (leverage) ratio | 9.6759% | 4,076 |
| Tier 1 risk-based capital ratio | 14.0560% | 4,226 |
| Total risk-based capital ratio | 15.3281% | 4,139 |
| Memoranda: | ||
| Average total assets | $293,262,670 | 2,205 |
| Average earning assets | $280,333,670 | 2,140 |
| Average equity | $27,656,670 | 2,434 |
| Average total loans | $198,637,670 | 2,060 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,639 |
| Cost of funding earning assets | 0.4818% | 3,093 |
| Net interest margin | 3.2773% | 4,636 |
| Noninterest income to average assets | 0.4629% | 3,687 |
| Noninterest expense to average assets | 3.1409% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3327% | 5,383 |
| Return on assets (ROA) | 4.4383% | 56 |
| Pretax return on assets | 4.5577% | 67 |
| Return on Equity (ROE) | 49.3060% | 23 |
| Retained earnings to average equity (ytd only) | 49.3060% | 14 |
| Net charge-offs to loans | 0.7676% | 453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.8868% | 3,240 |
| Efficiency ratio | 87.4160% | 1,291 |
| Assets per employee ($millions) | 4.4358% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0077% | 429 |
| Loan loss allowance to noncurrent loans | 80.2977% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 3.2197% | 838 |
| Noncurrent loans to loans | 3.7457% | 749 |
| Net loans and leases to total assets | 64.3884% | 2,829 |
| Net loans and leases to deposits | 78.1796% | 2,533 |
| Net loans and leases to core deposits | 78.1796% | 3,183 |
| Total domestic deposits to total assets | 82.3596% | 4,832 |
| Equity capital to assets | 9.6730% | 4,263 |
| Core capital (leverage) ratio | 9.3089% | 4,564 |
| Tier 1 risk-based capital ratio | 13.9664% | 4,355 |
| Total risk-based capital ratio | 15.2384% | 4,284 |
| Memoranda: | ||
| Average total assets | $298,134,000 | 2,187 |
| Average earning assets | $284,746,500 | 2,112 |
| Average equity | $26,836,500 | 2,481 |
| Average total loans | $198,007,500 | 2,068 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 3,628 |
| Cost of funding earning assets | 0.5598% | 3,024 |
| Net interest margin | 3.5678% | 3,608 |
| Noninterest income to average assets | 0.8274% | 1,949 |
| Noninterest expense to average assets | 3.1371% | 2,623 |
| Loan and lease loss provision to assets | 0.4810% | 586 |
| Net operating income to assets | 0.5855% | 4,332 |
| Return on assets (ROA) | 0.5855% | 4,443 |
| Pretax return on assets | 0.5855% | 4,914 |
| Return on Equity (ROE) | 6.8998% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.8998% | 1,475 |
| Net charge-offs to loans | 1.6926% | 258 |
| Credit loss provision to net charge-offs | 41.7499% | 4,002 |
| Earnings coverage of net charge-offs (x) | 0.9257% | 4,775 |
| Efficiency ratio | 74.6278% | 3,025 |
| Assets per employee ($millions) | 4.3343% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1773% | 380 |
| Loan loss allowance to noncurrent loans | 80.6077% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 3.4059% | 877 |
| Noncurrent loans to loans | 3.9417% | 741 |
| Net loans and leases to total assets | 64.3348% | 2,984 |
| Net loans and leases to deposits | 77.3622% | 2,807 |
| Net loans and leases to core deposits | 77.3622% | 3,443 |
| Total domestic deposits to total assets | 83.1605% | 4,486 |
| Equity capital to assets | 8.3342% | 5,755 |
| Core capital (leverage) ratio | 8.8254% | 5,240 |
| Tier 1 risk-based capital ratio | 13.8119% | 4,427 |
| Total risk-based capital ratio | 15.0870% | 4,359 |
| Memoranda: | ||
| Average total assets | $295,621,800 | 2,171 |
| Average earning assets | $279,753,800 | 2,118 |
| Average equity | $25,087,600 | 2,622 |
| Average total loans | $201,226,400 | 1,991 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 3,372 |
| Cost of funding earning assets | 0.5714% | 3,076 |
| Net interest margin | 3.6350% | 3,302 |
| Noninterest income to average assets | 0.8499% | 1,935 |
| Noninterest expense to average assets | 3.1044% | 2,638 |
| Loan and lease loss provision to assets | 0.6111% | 392 |
| Net operating income to assets | 0.5677% | 4,489 |
| Return on assets (ROA) | 0.5677% | 4,638 |
| Pretax return on assets | 0.5677% | 5,144 |
| Return on Equity (ROE) | 6.6590% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.6590% | 2,057 |
| Net charge-offs to loans | 1.8475% | 220 |
| Credit loss provision to net charge-offs | 48.3018% | 3,550 |
| Earnings coverage of net charge-offs (x) | 0.9317% | 4,542 |
| Efficiency ratio | 72.4786% | 3,320 |
| Assets per employee ($millions) | 4.3419% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5897% | 310 |
| Loan loss allowance to noncurrent loans | 83.2969% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 3.9737% | 787 |
| Noncurrent loans to loans | 4.3096% | 780 |
| Net loans and leases to total assets | 61.4252% | 3,463 |
| Net loans and leases to deposits | 73.8309% | 3,258 |
| Net loans and leases to core deposits | 73.8309% | 3,869 |
| Total domestic deposits to total assets | 83.1971% | 4,502 |
| Equity capital to assets | 8.3400% | 5,882 |
| Core capital (leverage) ratio | 8.8374% | 5,353 |
| Tier 1 risk-based capital ratio | 13.9284% | 4,480 |
| Total risk-based capital ratio | 15.2081% | 4,412 |
| Memoranda: | ||
| Average total assets | $294,759,750 | 2,191 |
| Average earning assets | $278,397,000 | 2,133 |
| Average equity | $25,128,250 | 2,643 |
| Average total loans | $201,853,000 | 1,995 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 2,921 |
| Cost of funding earning assets | 0.5853% | 3,079 |
| Net interest margin | 3.7229% | 2,875 |
| Noninterest income to average assets | 0.7027% | 2,622 |
| Noninterest expense to average assets | 3.1431% | 2,536 |
| Loan and lease loss provision to assets | 0.7252% | 309 |
| Net operating income to assets | 0.3275% | 5,498 |
| Return on assets (ROA) | 0.3275% | 5,656 |
| Pretax return on assets | 0.3275% | 5,802 |
| Return on Equity (ROE) | 3.8132% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.8132% | 3,873 |
| Net charge-offs to loans | 2.6685% | 132 |
| Credit loss provision to net charge-offs | 38.7673% | 3,442 |
| Earnings coverage of net charge-offs (x) | 0.5627% | 4,349 |
| Efficiency ratio | 74.9106% | 2,961 |
| Assets per employee ($millions) | 4.2920% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2553% | 460 |
| Loan loss allowance to noncurrent loans | 63.8961% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 5.1547% | 588 |
| Noncurrent loans to loans | 5.0947% | 621 |
| Net loans and leases to total assets | 68.4059% | 2,167 |
| Net loans and leases to deposits | 82.6391% | 1,974 |
| Net loans and leases to core deposits | 82.6391% | 2,736 |
| Total domestic deposits to total assets | 82.7766% | 4,787 |
| Equity capital to assets | 8.3912% | 5,876 |
| Core capital (leverage) ratio | 8.7536% | 5,352 |
| Tier 1 risk-based capital ratio | 12.5323% | 5,475 |
| Total risk-based capital ratio | 13.8071% | 5,400 |
| Memoranda: | ||
| Average total assets | $293,149,000 | 2,205 |
| Average earning assets | $275,058,000 | 2,155 |
| Average equity | $25,175,670 | 2,655 |
| Average total loans | $205,511,670 | 1,971 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 1,980 |
| Cost of funding earning assets | 0.5887% | 3,218 |
| Net interest margin | 3.9645% | 1,905 |
| Noninterest income to average assets | 0.4244% | 4,287 |
| Noninterest expense to average assets | 2.9884% | 3,028 |
| Loan and lease loss provision to assets | 0.7123% | 331 |
| Net operating income to assets | 0.4285% | 5,010 |
| Return on assets (ROA) | 0.4285% | 5,170 |
| Pretax return on assets | 0.4285% | 5,475 |
| Return on Equity (ROE) | 4.9341% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.9341% | 3,273 |
| Net charge-offs to loans | 1.0494% | 580 |
| Credit loss provision to net charge-offs | 97.2325% | 1,912 |
| Earnings coverage of net charge-offs (x) | 1.5572% | 3,312 |
| Efficiency ratio | 72.3732% | 3,550 |
| Assets per employee ($millions) | 4.4032% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0525% | 278 |
| Loan loss allowance to noncurrent loans | 173.8665% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 3.1202% | 1,416 |
| Noncurrent loans to loans | 2.3308% | 2,247 |
| Net loans and leases to total assets | 66.4741% | 2,287 |
| Net loans and leases to deposits | 80.4816% | 2,023 |
| Net loans and leases to core deposits | 80.4816% | 2,747 |
| Total domestic deposits to total assets | 82.5954% | 4,994 |
| Equity capital to assets | 8.7359% | 5,779 |
| Core capital (leverage) ratio | 8.5408% | 5,529 |
| Tier 1 risk-based capital ratio | 12.5545% | 5,552 |
| Total risk-based capital ratio | 13.8399% | 5,468 |
| Memoranda: | ||
| Average total assets | $295,942,000 | 2,214 |
| Average earning assets | $276,556,500 | 2,176 |
| Average equity | $25,698,500 | 2,640 |
| Average total loans | $206,603,000 | 1,970 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 2,548 |
| Cost of funding earning assets | 0.7659% | 2,960 |
| Net interest margin | 3.9466% | 2,619 |
| Noninterest income to average assets | 0.4116% | 4,516 |
| Noninterest expense to average assets | 3.0160% | 3,215 |
| Loan and lease loss provision to assets | 0.7549% | 665 |
| Net operating income to assets | 0.3111% | 5,426 |
| Return on assets (ROA) | 0.3088% | 5,643 |
| Pretax return on assets | 0.3107% | 5,803 |
| Return on Equity (ROE) | 3.6897% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.6897% | 3,624 |
| Net charge-offs to loans | 0.5511% | 2,086 |
| Credit loss provision to net charge-offs | 188.9259% | 1,385 |
| Earnings coverage of net charge-offs (x) | 2.6728% | 4,093 |
| Efficiency ratio | 73.8493% | 3,092 |
| Assets per employee ($millions) | 4.4980% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9739% | 292 |
| Loan loss allowance to noncurrent loans | 149.4597% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 3.4705% | 1,309 |
| Noncurrent loans to loans | 2.6588% | 1,991 |
| Net loans and leases to total assets | 67.5437% | 2,272 |
| Net loans and leases to deposits | 81.5408% | 2,065 |
| Net loans and leases to core deposits | 81.5408% | 2,816 |
| Total domestic deposits to total assets | 82.8342% | 4,786 |
| Equity capital to assets | 8.6317% | 5,929 |
| Core capital (leverage) ratio | 8.3203% | 5,866 |
| Tier 1 risk-based capital ratio | 12.2536% | 5,629 |
| Total risk-based capital ratio | 13.5383% | 5,560 |
| Memoranda: | ||
| Average total assets | $300,565,800 | 2,134 |
| Average earning assets | $279,685,800 | 2,105 |
| Average equity | $25,150,800 | 2,643 |
| Average total loans | $217,943,600 | 1,855 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 2,697 |
| Cost of funding earning assets | 0.8094% | 2,867 |
| Net interest margin | 3.9132% | 2,864 |
| Noninterest income to average assets | 0.3799% | 4,784 |
| Noninterest expense to average assets | 3.0116% | 3,194 |
| Loan and lease loss provision to assets | 0.8818% | 508 |
| Net operating income to assets | 0.1322% | 6,063 |
| Return on assets (ROA) | 0.1291% | 6,222 |
| Pretax return on assets | 0.1265% | 6,234 |
| Return on Equity (ROE) | 1.5553% | 6,141 |
| Retained earnings to average equity (ytd only) | 1.5553% | 5,558 |
| Net charge-offs to loans | 0.5110% | 2,076 |
| Credit loss provision to net charge-offs | 236.2559% | 1,175 |
| Earnings coverage of net charge-offs (x) | 2.7097% | 3,949 |
| Efficiency ratio | 74.8598% | 2,847 |
| Assets per employee ($millions) | 4.5359% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8970% | 336 |
| Loan loss allowance to noncurrent loans | 100.8788% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 4.6076% | 994 |
| Noncurrent loans to loans | 3.8630% | 1,349 |
| Net loans and leases to total assets | 69.0305% | 2,105 |
| Net loans and leases to deposits | 83.0910% | 1,988 |
| Net loans and leases to core deposits | 83.0910% | 2,811 |
| Total domestic deposits to total assets | 83.0782% | 4,613 |
| Equity capital to assets | 8.4624% | 6,298 |
| Core capital (leverage) ratio | 8.1358% | 6,201 |
| Tier 1 risk-based capital ratio | 11.5452% | 6,204 |
| Total risk-based capital ratio | 12.8288% | 6,160 |
| Memoranda: | ||
| Average total assets | $301,489,750 | 2,149 |
| Average earning assets | $280,684,000 | 2,116 |
| Average equity | $25,032,250 | 2,684 |
| Average total loans | $220,225,750 | 1,849 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 2,585 |
| Cost of funding earning assets | 0.8835% | 2,534 |
| Net interest margin | 3.8957% | 2,922 |
| Noninterest income to average assets | 0.2316% | 5,914 |
| Noninterest expense to average assets | 3.0265% | 3,163 |
| Loan and lease loss provision to assets | 0.5036% | 1,258 |
| Net operating income to assets | 0.3210% | 5,540 |
| Return on assets (ROA) | 0.3164% | 5,768 |
| Pretax return on assets | 0.3124% | 5,941 |
| Return on Equity (ROE) | 3.8345% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.8345% | 4,062 |
| Net charge-offs to loans | 0.3875% | 2,474 |
| Credit loss provision to net charge-offs | 176.9767% | 1,591 |
| Earnings coverage of net charge-offs (x) | 2.8837% | 3,589 |
| Efficiency ratio | 78.6685% | 2,375 |
| Assets per employee ($millions) | 4.4292% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3762% | 553 |
| Loan loss allowance to noncurrent loans | 100.2121% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 4.6870% | 1,032 |
| Noncurrent loans to loans | 3.3690% | 1,719 |
| Net loans and leases to total assets | 72.9190% | 1,404 |
| Net loans and leases to deposits | 88.0504% | 1,362 |
| Net loans and leases to core deposits | 88.0504% | 2,203 |
| Total domestic deposits to total assets | 82.8151% | 4,818 |
| Equity capital to assets | 8.5087% | 6,205 |
| Core capital (leverage) ratio | 8.1338% | 6,117 |
| Tier 1 risk-based capital ratio | 11.3215% | 6,334 |
| Total risk-based capital ratio | 12.5992% | 6,285 |
| Memoranda: | ||
| Average total assets | $302,195,670 | 2,141 |
| Average earning assets | $280,461,670 | 2,121 |
| Average equity | $24,931,670 | 2,680 |
| Average total loans | $221,955,000 | 1,831 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 2,693 |
| Cost of funding earning assets | 0.8769% | 2,853 |
| Net interest margin | 3.9072% | 2,891 |
| Noninterest income to average assets | -0.1049% | 7,170 |
| Noninterest expense to average assets | 2.9372% | 3,483 |
| Loan and lease loss provision to assets | 0.2820% | 2,212 |
| Net operating income to assets | 0.2939% | 5,680 |
| Return on assets (ROA) | 0.2939% | 5,844 |
| Pretax return on assets | 0.2939% | 5,995 |
| Return on Equity (ROE) | 3.6169% | 5,455 |
| Retained earnings to average equity (ytd only) | 3.6169% | 4,410 |
| Net charge-offs to loans | 0.5829% | 1,642 |
| Credit loss provision to net charge-offs | 66.7702% | 2,981 |
| Earnings coverage of net charge-offs (x) | 1.3634% | 3,649 |
| Efficiency ratio | 83.6072% | 1,727 |
| Assets per employee ($millions) | 4.5847% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2307% | 661 |
| Loan loss allowance to noncurrent loans | 94.8848% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 5.4200% | 919 |
| Noncurrent loans to loans | 3.4049% | 1,848 |
| Net loans and leases to total assets | 69.4575% | 1,845 |
| Net loans and leases to deposits | 84.6426% | 1,580 |
| Net loans and leases to core deposits | 84.6426% | 2,459 |
| Total domestic deposits to total assets | 82.0597% | 5,277 |
| Equity capital to assets | 8.1331% | 6,427 |
| Core capital (leverage) ratio | 7.8955% | 6,338 |
| Tier 1 risk-based capital ratio | 11.1029% | 6,491 |
| Total risk-based capital ratio | 12.3778% | 6,465 |
| Memoranda: | ||
| Average total assets | $304,916,500 | 2,135 |
| Average earning assets | $282,353,000 | 2,116 |
| Average equity | $24,772,500 | 2,684 |
| Average total loans | $220,957,000 | 1,853 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 3,440 |
| Cost of funding earning assets | 1.0903% | 2,733 |
| Net interest margin | 3.7925% | 3,861 |
| Noninterest income to average assets | 0.3175% | 5,268 |
| Noninterest expense to average assets | 3.3133% | 2,482 |
| Loan and lease loss provision to assets | 1.0287% | 913 |
| Net operating income to assets | -0.5114% | 6,494 |
| Return on assets (ROA) | -0.4411% | 6,496 |
| Pretax return on assets | -0.4411% | 6,446 |
| Return on Equity (ROE) | -5.3259% | 6,548 |
| Retained earnings to average equity (ytd only) | -5.3259% | 6,472 |
| Net charge-offs to loans | 0.9368% | 1,857 |
| Credit loss provision to net charge-offs | 143.9742% | 2,008 |
| Earnings coverage of net charge-offs (x) | 0.7240% | 5,270 |
| Efficiency ratio | 86.4951% | 1,498 |
| Assets per employee ($millions) | 4.4509% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2651% | 640 |
| Loan loss allowance to noncurrent loans | 85.3299% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 5.9192% | 832 |
| Noncurrent loans to loans | 3.8264% | 1,638 |
| Net loans and leases to total assets | 70.7746% | 1,870 |
| Net loans and leases to deposits | 86.3159% | 1,631 |
| Net loans and leases to core deposits | 86.3159% | 2,593 |
| Total domestic deposits to total assets | 81.9949% | 5,129 |
| Equity capital to assets | 8.1154% | 6,502 |
| Core capital (leverage) ratio | 7.7634% | 6,477 |
| Tier 1 risk-based capital ratio | 11.0224% | 6,444 |
| Total risk-based capital ratio | 12.2980% | 6,413 |
| Memoranda: | ||
| Average total assets | $304,261,200 | 2,111 |
| Average earning assets | $281,846,600 | 2,079 |
| Average equity | $25,197,800 | 2,558 |
| Average total loans | $232,065,400 | 1,796 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 3,769 |
| Cost of funding earning assets | 1.0965% | 3,003 |
| Net interest margin | 3.7564% | 4,083 |
| Noninterest income to average assets | 0.4735% | 4,098 |
| Noninterest expense to average assets | 3.1628% | 2,952 |
| Loan and lease loss provision to assets | 0.6814% | 1,420 |
| Net operating income to assets | 0.1077% | 5,948 |
| Return on assets (ROA) | 0.1125% | 6,050 |
| Pretax return on assets | 0.1125% | 6,069 |
| Return on Equity (ROE) | 1.3514% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.3514% | 5,461 |
| Net charge-offs to loans | 0.7839% | 1,991 |
| Credit loss provision to net charge-offs | 112.8261% | 2,895 |
| Earnings coverage of net charge-offs (x) | 1.3065% | 4,641 |
| Efficiency ratio | 80.0332% | 2,251 |
| Assets per employee ($millions) | 4.5639% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8067% | 1,025 |
| Loan loss allowance to noncurrent loans | 57.6497% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 6.1486% | 859 |
| Noncurrent loans to loans | 4.8685% | 1,304 |
| Net loans and leases to total assets | 71.9817% | 1,703 |
| Net loans and leases to deposits | 89.7045% | 1,247 |
| Net loans and leases to core deposits | 89.7045% | 2,294 |
| Total domestic deposits to total assets | 80.2431% | 5,661 |
| Equity capital to assets | 8.5044% | 6,289 |
| Core capital (leverage) ratio | 8.3718% | 5,895 |
| Tier 1 risk-based capital ratio | 11.2704% | 6,387 |
| Total risk-based capital ratio | 12.5400% | 6,364 |
| Memoranda: | ||
| Average total assets | $304,662,000 | 2,112 |
| Average earning assets | $282,109,750 | 2,086 |
| Average equity | $25,356,750 | 2,536 |
| Average total loans | $234,723,000 | 1,798 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 3,870 |
| Cost of funding earning assets | 1.1271% | 3,058 |
| Net interest margin | 3.7222% | 4,167 |
| Noninterest income to average assets | 0.4644% | 4,153 |
| Noninterest expense to average assets | 3.1278% | 3,149 |
| Loan and lease loss provision to assets | 0.6751% | 1,428 |
| Net operating income to assets | 0.1083% | 5,995 |
| Return on assets (ROA) | 0.1083% | 6,078 |
| Pretax return on assets | 0.1083% | 6,093 |
| Return on Equity (ROE) | 1.3114% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.3114% | 5,325 |
| Net charge-offs to loans | 1.0442% | 1,507 |
| Credit loss provision to net charge-offs | 82.8201% | 3,689 |
| Earnings coverage of net charge-offs (x) | 0.9611% | 4,581 |
| Efficiency ratio | 79.9696% | 2,392 |
| Assets per employee ($millions) | 4.4702% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5854% | 1,329 |
| Loan loss allowance to noncurrent loans | 51.0527% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 6.6052% | 803 |
| Noncurrent loans to loans | 5.0642% | 1,287 |
| Net loans and leases to total assets | 75.1409% | 1,215 |
| Net loans and leases to deposits | 95.1601% | 786 |
| Net loans and leases to core deposits | 95.1601% | 1,768 |
| Total domestic deposits to total assets | 78.9626% | 6,099 |
| Equity capital to assets | 8.5419% | 6,138 |
| Core capital (leverage) ratio | 8.2959% | 5,878 |
| Tier 1 risk-based capital ratio | 11.0246% | 6,510 |
| Total risk-based capital ratio | 12.2913% | 6,478 |
| Memoranda: | ||
| Average total assets | $302,767,000 | 2,130 |
| Average earning assets | $280,375,000 | 2,100 |
| Average equity | $25,011,330 | 2,556 |
| Average total loans | $236,349,330 | 1,809 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 3,819 |
| Cost of funding earning assets | 1.1652% | 3,052 |
| Net interest margin | 3.6847% | 4,181 |
| Noninterest income to average assets | 0.4395% | 4,370 |
| Noninterest expense to average assets | 2.9309% | 3,941 |
| Loan and lease loss provision to assets | 0.7863% | 1,086 |
| Net operating income to assets | 0.1297% | 6,015 |
| Return on assets (ROA) | 0.1297% | 6,070 |
| Pretax return on assets | 0.1297% | 6,106 |
| Return on Equity (ROE) | 1.5978% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.5978% | 5,155 |
| Net charge-offs to loans | 1.9638% | 651 |
| Credit loss provision to net charge-offs | 50.9871% | 3,727 |
| Earnings coverage of net charge-offs (x) | 0.5940% | 4,182 |
| Efficiency ratio | 76.1872% | 3,130 |
| Assets per employee ($millions) | 4.3199% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4199% | 1,581 |
| Loan loss allowance to noncurrent loans | 44.7014% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 7.0411% | 756 |
| Noncurrent loans to loans | 5.4136% | 1,212 |
| Net loans and leases to total assets | 74.9767% | 1,183 |
| Net loans and leases to deposits | 94.6521% | 769 |
| Net loans and leases to core deposits | 94.6521% | 1,812 |
| Total domestic deposits to total assets | 79.2129% | 6,142 |
| Equity capital to assets | 8.3478% | 6,107 |
| Core capital (leverage) ratio | 8.4069% | 5,615 |
| Tier 1 risk-based capital ratio | 10.8859% | 6,579 |
| Total risk-based capital ratio | 12.1506% | 6,552 |
| Memoranda: | ||
| Average total assets | $302,164,000 | 2,149 |
| Average earning assets | $279,426,000 | 2,116 |
| Average equity | $24,534,500 | 2,593 |
| Average total loans | $237,289,000 | 1,809 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 4,717 |
| Cost of funding earning assets | 1.4090% | 3,204 |
| Net interest margin | 3.5569% | 5,012 |
| Noninterest income to average assets | -0.8160% | 7,608 |
| Noninterest expense to average assets | 3.3298% | 2,642 |
| Loan and lease loss provision to assets | 1.3488% | 1,127 |
| Net operating income to assets | -2.1901% | 7,105 |
| Return on assets (ROA) | -2.2548% | 7,142 |
| Pretax return on assets | -2.2528% | 7,103 |
| Return on Equity (ROE) | -27.8297% | 7,186 |
| Retained earnings to average equity (ytd only) | -27.8297% | 7,174 |
| Net charge-offs to loans | 1.8242% | 1,151 |
| Credit loss provision to net charge-offs | 91.0667% | 5,081 |
| Earnings coverage of net charge-offs (x) | -0.5667% | 6,481 |
| Efficiency ratio | 133.7032% | 289 |
| Assets per employee ($millions) | 4.1917% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6261% | 1,262 |
| Loan loss allowance to noncurrent loans | 42.9520% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 7.9469% | 625 |
| Noncurrent loans to loans | 6.1140% | 1,010 |
| Net loans and leases to total assets | 78.1674% | 918 |
| Net loans and leases to deposits | 98.5604% | 670 |
| Net loans and leases to core deposits | 98.5604% | 1,746 |
| Total domestic deposits to total assets | 79.3091% | 6,006 |
| Equity capital to assets | 7.8844% | 6,601 |
| Core capital (leverage) ratio | 7.6340% | 6,594 |
| Tier 1 risk-based capital ratio | 10.0454% | 6,964 |
| Total risk-based capital ratio | 11.3130% | 6,935 |
| Memoranda: | ||
| Average total assets | $307,613,400 | 2,109 |
| Average earning assets | $285,948,200 | 2,076 |
| Average equity | $24,923,000 | 2,567 |
| Average total loans | $249,756,800 | 1,761 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 4,325 |
| Cost of funding earning assets | 1.4416% | 3,319 |
| Net interest margin | 3.6563% | 4,607 |
| Noninterest income to average assets | 0.3882% | 5,053 |
| Noninterest expense to average assets | 3.0715% | 3,469 |
| Loan and lease loss provision to assets | 0.7683% | 1,990 |
| Net operating income to assets | -0.0516% | 6,103 |
| Return on assets (ROA) | -0.0598% | 6,228 |
| Pretax return on assets | -0.0576% | 6,174 |
| Return on Equity (ROE) | -0.7329% | 6,252 |
| Retained earnings to average equity (ytd only) | -0.7329% | 5,970 |
| Net charge-offs to loans | 1.8874% | 1,014 |
| Credit loss provision to net charge-offs | 50.0000% | 5,877 |
| Earnings coverage of net charge-offs (x) | 0.4678% | 5,557 |
| Efficiency ratio | 81.0345% | 2,200 |
| Assets per employee ($millions) | 4.3499% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9857% | 2,261 |
| Loan loss allowance to noncurrent loans | 38.3572% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 8.3980% | 580 |
| Noncurrent loans to loans | 5.1770% | 1,319 |
| Net loans and leases to total assets | 78.2147% | 1,005 |
| Net loans and leases to deposits | 101.7973% | 545 |
| Net loans and leases to core deposits | 101.7973% | 1,673 |
| Total domestic deposits to total assets | 76.8338% | 6,519 |
| Equity capital to assets | 8.1850% | 6,626 |
| Core capital (leverage) ratio | 8.0260% | 6,307 |
| Tier 1 risk-based capital ratio | 10.7433% | 6,599 |
| Total risk-based capital ratio | 12.0037% | 6,572 |
| Memoranda: | ||
| Average total assets | $310,113,250 | 2,133 |
| Average earning assets | $288,553,500 | 2,087 |
| Average equity | $25,287,500 | 2,563 |
| Average total loans | $252,468,250 | 1,772 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1747% | 4,070 |
| Cost of funding earning assets | 1.4503% | 3,554 |
| Net interest margin | 3.7244% | 4,252 |
| Noninterest income to average assets | 0.3671% | 5,204 |
| Noninterest expense to average assets | 3.0360% | 3,568 |
| Loan and lease loss provision to assets | 0.7490% | 1,930 |
| Net operating income to assets | 0.0702% | 5,946 |
| Return on assets (ROA) | 0.0367% | 6,119 |
| Pretax return on assets | 0.0367% | 6,091 |
| Return on Equity (ROE) | 0.4508% | 6,098 |
| Retained earnings to average equity (ytd only) | 0.4508% | 5,582 |
| Net charge-offs to loans | 2.7359% | 606 |
| Credit loss provision to net charge-offs | 33.4099% | 5,687 |
| Earnings coverage of net charge-offs (x) | 0.3654% | 5,369 |
| Efficiency ratio | 78.7504% | 2,615 |
| Assets per employee ($millions) | 4.3624% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 2,951 |
| Loan loss allowance to noncurrent loans | 22.9017% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 8.2071% | 592 |
| Noncurrent loans to loans | 7.5750% | 705 |
| Net loans and leases to total assets | 78.6827% | 1,013 |
| Net loans and leases to deposits | 100.7013% | 664 |
| Net loans and leases to core deposits | 105.0726% | 1,527 |
| Total domestic deposits to total assets | 78.1348% | 6,240 |
| Equity capital to assets | 8.0935% | 6,661 |
| Core capital (leverage) ratio | 8.1299% | 6,067 |
| Tier 1 risk-based capital ratio | 10.1166% | 6,959 |
| Total risk-based capital ratio | 11.3727% | 6,926 |
| Memoranda: | ||
| Average total assets | $310,535,670 | 2,147 |
| Average earning assets | $290,835,670 | 2,086 |
| Average equity | $25,290,330 | 2,563 |
| Average total loans | $254,472,000 | 1,781 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1879% | 4,089 |
| Cost of funding earning assets | 1.4763% | 3,705 |
| Net interest margin | 3.7115% | 4,182 |
| Noninterest income to average assets | 0.4560% | 4,414 |
| Noninterest expense to average assets | 3.0250% | 3,581 |
| Loan and lease loss provision to assets | 0.8084% | 1,558 |
| Net operating income to assets | 0.1140% | 5,986 |
| Return on assets (ROA) | 0.1140% | 6,095 |
| Pretax return on assets | 0.1140% | 6,098 |
| Return on Equity (ROE) | 1.3954% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.3954% | 5,245 |
| Net charge-offs to loans | 5.0633% | 238 |
| Credit loss provision to net charge-offs | 19.2593% | 4,956 |
| Earnings coverage of net charge-offs (x) | 0.2198% | 4,843 |
| Efficiency ratio | 76.6328% | 3,113 |
| Assets per employee ($millions) | 4.1207% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 3,410 |
| Loan loss allowance to noncurrent loans | 21.6500% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 7.2298% | 732 |
| Noncurrent loans to loans | 7.4237% | 773 |
| Net loans and leases to total assets | 80.5204% | 763 |
| Net loans and leases to deposits | 103.5559% | 555 |
| Net loans and leases to core deposits | 108.1786% | 1,402 |
| Total domestic deposits to total assets | 77.7555% | 6,381 |
| Equity capital to assets | 8.1801% | 6,457 |
| Core capital (leverage) ratio | 8.1790% | 5,941 |
| Tier 1 risk-based capital ratio | 10.3105% | 6,800 |
| Total risk-based capital ratio | 11.5652% | 6,795 |
| Memoranda: | ||
| Average total assets | $308,757,500 | 2,203 |
| Average earning assets | $290,447,500 | 2,143 |
| Average equity | $25,225,000 | 2,589 |
| Average total loans | $255,958,500 | 1,832 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4082% | 4,664 |
| Cost of funding earning assets | 1.6541% | 4,769 |
| Net interest margin | 3.7541% | 3,894 |
| Noninterest income to average assets | 0.3040% | 5,924 |
| Noninterest expense to average assets | 3.3091% | 2,986 |
| Loan and lease loss provision to assets | 1.2601% | 1,833 |
| Net operating income to assets | -0.7340% | 6,395 |
| Return on assets (ROA) | -0.7021% | 6,363 |
| Pretax return on assets | -0.7021% | 6,190 |
| Return on Equity (ROE) | -8.5371% | 6,512 |
| Retained earnings to average equity (ytd only) | -8.5371% | 6,395 |
| Net charge-offs to loans | 0.3249% | 4,613 |
| Credit loss provision to net charge-offs | 455.3974% | 682 |
| Earnings coverage of net charge-offs (x) | 1.9015% | 4,298 |
| Efficiency ratio | 86.2804% | 2,076 |
| Assets per employee ($millions) | 4.0587% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5795% | 1,138 |
| Loan loss allowance to noncurrent loans | 34.7751% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 7.3770% | 665 |
| Noncurrent loans to loans | 7.4178% | 718 |
| Net loans and leases to total assets | 81.7995% | 717 |
| Net loans and leases to deposits | 105.8949% | 554 |
| Net loans and leases to core deposits | 106.3578% | 3,296 |
| Total domestic deposits to total assets | 77.2459% | 6,399 |
| Equity capital to assets | 8.1596% | 6,389 |
| Core capital (leverage) ratio | 8.0692% | 6,050 |
| Tier 1 risk-based capital ratio | 10.0118% | 6,860 |
| Total risk-based capital ratio | 11.2791% | 6,816 |
| Memoranda: | ||
| Average total assets | $304,647,000 | 2,187 |
| Average earning assets | $286,565,200 | 2,146 |
| Average equity | $25,055,200 | 2,606 |
| Average total loans | $259,494,200 | 1,837 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5150% | 4,345 |
| Cost of funding earning assets | 1.6735% | 5,044 |
| Net interest margin | 3.8415% | 3,470 |
| Noninterest income to average assets | 0.4403% | 4,962 |
| Noninterest expense to average assets | 3.2374% | 3,167 |
| Loan and lease loss provision to assets | 0.8456% | 2,264 |
| Net operating income to assets | -0.0277% | 5,759 |
| Return on assets (ROA) | 0.0149% | 5,729 |
| Pretax return on assets | 0.0149% | 5,673 |
| Return on Equity (ROE) | 0.1811% | 5,718 |
| Retained earnings to average equity (ytd only) | 0.1811% | 5,120 |
| Net charge-offs to loans | 0.2984% | 4,164 |
| Credit loss provision to net charge-offs | 331.4974% | 1,244 |
| Earnings coverage of net charge-offs (x) | 3.2065% | 3,635 |
| Efficiency ratio | 79.8311% | 2,874 |
| Assets per employee ($millions) | 4.0582% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9199% | 1,980 |
| Loan loss allowance to noncurrent loans | 26.8797% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 7.1065% | 670 |
| Noncurrent loans to loans | 7.1427% | 747 |
| Net loans and leases to total assets | 83.3140% | 634 |
| Net loans and leases to deposits | 108.0514% | 559 |
| Net loans and leases to core deposits | 108.6168% | 3,392 |
| Total domestic deposits to total assets | 77.1060% | 6,312 |
| Equity capital to assets | 8.2287% | 6,601 |
| Core capital (leverage) ratio | 8.3480% | 5,755 |
| Tier 1 risk-based capital ratio | 9.9679% | 7,012 |
| Total risk-based capital ratio | 11.2269% | 6,958 |
| Memoranda: | ||
| Average total assets | $303,694,000 | 2,205 |
| Average earning assets | $285,783,250 | 2,164 |
| Average equity | $25,026,750 | 2,637 |
| Average total loans | $259,618,000 | 1,861 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6847% | 3,639 |
| Cost of funding earning assets | 1.7017% | 5,264 |
| Net interest margin | 3.9829% | 2,775 |
| Noninterest income to average assets | 0.4316% | 5,011 |
| Noninterest expense to average assets | 3.2570% | 3,129 |
| Loan and lease loss provision to assets | 0.9056% | 1,865 |
| Net operating income to assets | 0.0093% | 5,809 |
| Return on assets (ROA) | 0.0093% | 5,889 |
| Pretax return on assets | 0.0093% | 5,849 |
| Return on Equity (ROE) | 0.1124% | 5,884 |
| Retained earnings to average equity (ytd only) | 0.1124% | 5,161 |
| Net charge-offs to loans | 0.3384% | 3,484 |
| Credit loss provision to net charge-offs | 312.3288% | 1,495 |
| Earnings coverage of net charge-offs (x) | 3.1553% | 3,542 |
| Efficiency ratio | 78.0705% | 3,338 |
| Assets per employee ($millions) | 3.9993% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 2,196 |
| Loan loss allowance to noncurrent loans | 21.2223% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 8.3462% | 439 |
| Noncurrent loans to loans | 8.2294% | 520 |
| Net loans and leases to total assets | 85.4208% | 448 |
| Net loans and leases to deposits | 116.7278% | 312 |
| Net loans and leases to core deposits | 117.4310% | 2,593 |
| Total domestic deposits to total assets | 73.1794% | 7,081 |
| Equity capital to assets | 8.2298% | 6,445 |
| Core capital (leverage) ratio | 8.5520% | 5,353 |
| Tier 1 risk-based capital ratio | 9.8752% | 7,060 |
| Total risk-based capital ratio | 11.1320% | 6,990 |
| Memoranda: | ||
| Average total assets | $302,118,330 | 2,244 |
| Average earning assets | $283,710,000 | 2,206 |
| Average equity | $24,909,330 | 2,645 |
| Average total loans | $258,828,000 | 1,896 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7718% | 3,427 |
| Cost of funding earning assets | 1.7483% | 5,360 |
| Net interest margin | 4.0236% | 2,561 |
| Noninterest income to average assets | 0.4183% | 5,074 |
| Noninterest expense to average assets | 3.1899% | 3,035 |
| Loan and lease loss provision to assets | 0.9123% | 1,432 |
| Net operating income to assets | 0.0876% | 6,019 |
| Return on assets (ROA) | 0.0876% | 6,183 |
| Pretax return on assets | 0.0876% | 6,193 |
| Return on Equity (ROE) | 1.0621% | 6,107 |
| Retained earnings to average equity (ytd only) | 1.0621% | 5,216 |
| Net charge-offs to loans | 0.0812% | 4,354 |
| Credit loss provision to net charge-offs | 1,321.1538% | 477 |
| Earnings coverage of net charge-offs (x) | 14.4808% | 1,667 |
| Efficiency ratio | 76.1331% | 3,466 |
| Assets per employee ($millions) | 3.8694% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 2,193 |
| Loan loss allowance to noncurrent loans | 30.0626% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 5.9290% | 683 |
| Noncurrent loans to loans | 5.6037% | 906 |
| Net loans and leases to total assets | 84.6196% | 607 |
| Net loans and leases to deposits | 111.8456% | 530 |
| Net loans and leases to core deposits | 112.4828% | 3,166 |
| Total domestic deposits to total assets | 75.6575% | 6,578 |
| Equity capital to assets | 8.3801% | 6,270 |
| Core capital (leverage) ratio | 8.4953% | 5,547 |
| Tier 1 risk-based capital ratio | 10.2161% | 6,697 |
| Total risk-based capital ratio | 11.4720% | 6,604 |
| Memoranda: | ||
| Average total assets | $301,204,500 | 2,261 |
| Average earning assets | $282,336,500 | 2,232 |
| Average equity | $24,857,000 | 2,668 |
| Average total loans | $256,118,000 | 1,924 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0762% | 5,163 |
| Cost of funding earning assets | 2.2316% | 5,453 |
| Net interest margin | 3.8447% | 3,814 |
| Noninterest income to average assets | 0.4601% | 4,968 |
| Noninterest expense to average assets | 3.0815% | 3,778 |
| Loan and lease loss provision to assets | 1.0120% | 1,450 |
| Net operating income to assets | -0.0440% | 6,433 |
| Return on assets (ROA) | 0.0465% | 6,100 |
| Pretax return on assets | 0.0482% | 6,055 |
| Return on Equity (ROE) | 0.5511% | 6,056 |
| Retained earnings to average equity (ytd only) | -2.1848% | 5,921 |
| Net charge-offs to loans | 1.3046% | 915 |
| Credit loss provision to net charge-offs | 93.2239% | 5,591 |
| Earnings coverage of net charge-offs (x) | 0.8906% | 5,694 |
| Efficiency ratio | 76.1183% | 3,219 |
| Assets per employee ($millions) | 3.9034% | 3,722 |
| Cash dividends to net income (ytd only)* | 496.4539% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 2,969 |
| Loan loss allowance to noncurrent loans | 25.6081% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 5.8082% | 532 |
| Noncurrent loans to loans | 5.6256% | 696 |
| Net loans and leases to total assets | 82.8049% | 1,078 |
| Net loans and leases to deposits | 109.6516% | 859 |
| Net loans and leases to core deposits | 110.3596% | 3,737 |
| Total domestic deposits to total assets | 75.5164% | 6,337 |
| Equity capital to assets | 8.1277% | 6,660 |
| Core capital (leverage) ratio | 8.3140% | 5,923 |
| Tier 1 risk-based capital ratio | 10.1714% | 6,550 |
| Total risk-based capital ratio | 11.4242% | 6,410 |
| Memoranda: | ||
| Average total assets | $303,163,800 | 2,187 |
| Average earning assets | $282,938,000 | 2,155 |
| Average equity | $25,586,000 | 2,595 |
| Average total loans | $252,266,400 | 1,894 |