Home > Citizens Savings Bank > Performance and Condition Ratios
Citizens Savings 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 | 5.7616% | 872 |
| Cost of funding earning assets | 1.5399% | 1,844 |
| Net interest margin | 4.2217% | 903 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 3.2561% | 774 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 0.5568% | 3,548 |
| Return on assets (ROA) | 0.5551% | 3,541 |
| Pretax return on assets | 0.6918% | 3,459 |
| Return on Equity (ROE) | 4.5100% | 3,812 |
| Retained earnings to average equity (ytd only) | 4.5051% | 2,787 |
| Net charge-offs to loans | 0.0232% | 1,856 |
| Credit loss provision to net charge-offs | 1,800.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 57.7000% | 1,211 |
| Efficiency ratio | 76.3525% | 1,218 |
| Assets per employee ($millions) | 3.7401% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5721% | 178 |
| Loan loss allowance to noncurrent loans | 398.3573% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8450% | 598 |
| Noncurrent loans to loans | 0.6457% | 1,212 |
| Net loans and leases to total assets | 75.5700% | 1,170 |
| Net loans and leases to deposits | 89.7922% | 1,283 |
| Net loans and leases to core deposits | 100.5588% | 1,401 |
| Total domestic deposits to total assets | 84.1600% | 2,577 |
| Equity capital to assets | 12.5810% | 970 |
| Core capital (leverage) ratio | 14.2570% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $286,082,200 | 2,490 |
| Average earning assets | $264,301,600 | 2,498 |
| Average equity | $35,249,200 | 2,047 |
| Average total loans | $215,866,200 | 2,190 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6643% | 835 |
| Cost of funding earning assets | 1.4142% | 1,827 |
| Net interest margin | 4.2501% | 864 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.4022% | 622 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.6119% | 3,514 |
| Return on assets (ROA) | 0.6089% | 3,515 |
| Pretax return on assets | 0.7606% | 3,425 |
| Return on Equity (ROE) | 4.9700% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.9684% | 2,942 |
| Net charge-offs to loans | 0.0269% | 1,532 |
| Credit loss provision to net charge-offs | 686.0465% | 517 |
| Earnings coverage of net charge-offs (x) | 44.8140% | 1,379 |
| Efficiency ratio | 79.0338% | 926 |
| Assets per employee ($millions) | 3.7176% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3807% | 240 |
| Loan loss allowance to noncurrent loans | 544.5255% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 796 |
| Noncurrent loans to loans | 0.4372% | 1,739 |
| Net loans and leases to total assets | 74.8000% | 1,262 |
| Net loans and leases to deposits | 87.0736% | 1,468 |
| Net loans and leases to core deposits | 96.8594% | 1,512 |
| Total domestic deposits to total assets | 85.9100% | 2,227 |
| Equity capital to assets | 12.1505% | 998 |
| Core capital (leverage) ratio | 14.2331% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $284,671,500 | 2,499 |
| Average earning assets | $262,575,500 | 2,506 |
| Average equity | $34,886,000 | 2,054 |
| Average total loans | $213,263,500 | 2,208 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 765 |
| Cost of funding earning assets | 1.2838% | 1,758 |
| Net interest margin | 4.2775% | 838 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.3983% | 602 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.6661% | 3,418 |
| Return on assets (ROA) | 0.6616% | 3,437 |
| Pretax return on assets | 0.8292% | 3,330 |
| Return on Equity (ROE) | 5.3800% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.3836% | 2,830 |
| Net charge-offs to loans | 0.0218% | 1,450 |
| Credit loss provision to net charge-offs | 826.0870% | 469 |
| Earnings coverage of net charge-offs (x) | 59.8261% | 1,201 |
| Efficiency ratio | 77.8208% | 1,012 |
| Assets per employee ($millions) | 3.7634% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3659% | 252 |
| Loan loss allowance to noncurrent loans | 728.6525% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 876 |
| Noncurrent loans to loans | 0.3247% | 1,970 |
| Net loans and leases to total assets | 73.1500% | 1,392 |
| Net loans and leases to deposits | 85.6019% | 1,534 |
| Net loans and leases to core deposits | 94.6113% | 1,541 |
| Total domestic deposits to total assets | 85.4600% | 2,405 |
| Equity capital to assets | 12.2543% | 985 |
| Core capital (leverage) ratio | 14.2455% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $284,142,333 | 2,506 |
| Average earning assets | $261,881,333 | 2,521 |
| Average equity | $34,920,667 | 2,060 |
| Average total loans | $211,234,667 | 2,213 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5158% | 605 |
| Cost of funding earning assets | 1.1356% | 1,643 |
| Net interest margin | 4.3802% | 711 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.4480% | 574 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.6754% | 3,515 |
| Return on assets (ROA) | 0.6754% | 3,471 |
| Pretax return on assets | 0.8531% | 3,335 |
| Return on Equity (ROE) | 5.4900% | 3,803 |
| Retained earnings to average equity (ytd only) | 5.4873% | 2,893 |
| Net charge-offs to loans | 0.0250% | 1,188 |
| Credit loss provision to net charge-offs | 653.8462% | 476 |
| Earnings coverage of net charge-offs (x) | 52.6923% | 1,089 |
| Efficiency ratio | 77.9743% | 1,007 |
| Assets per employee ($millions) | 3.5937% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3995% | 244 |
| Loan loss allowance to noncurrent loans | 1,113.0243% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 963 |
| Noncurrent loans to loans | 0.2156% | 2,398 |
| Net loans and leases to total assets | 72.2400% | 1,399 |
| Net loans and leases to deposits | 84.0804% | 1,494 |
| Net loans and leases to core deposits | 92.4724% | 1,478 |
| Total domestic deposits to total assets | 85.9200% | 2,619 |
| Equity capital to assets | 12.3809% | 901 |
| Core capital (leverage) ratio | 14.3008% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $281,321,000 | 2,552 |
| Average earning assets | $258,894,500 | 2,566 |
| Average equity | $34,625,500 | 2,091 |
| Average total loans | $208,289,500 | 2,248 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 240 |
| Cost of funding earning assets | 0.5834% | 968 |
| Net interest margin | 4.5644% | 261 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 3.3554% | 577 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 0.6613% | 3,732 |
| Return on assets (ROA) | 0.6593% | 3,685 |
| Pretax return on assets | 0.8249% | 3,561 |
| Return on Equity (ROE) | 5.1400% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.1418% | 2,986 |
| Net charge-offs to loans | 0.6645% | 106 |
| Credit loss provision to net charge-offs | 70.6522% | 1,727 |
| Earnings coverage of net charge-offs (x) | 2.4713% | 2,505 |
| Efficiency ratio | 74.3306% | 1,182 |
| Assets per employee ($millions) | 3.5283% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4074% | 231 |
| Loan loss allowance to noncurrent loans | 1,567.8233% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 1,024 |
| Noncurrent loans to loans | 0.1535% | 2,725 |
| Net loans and leases to total assets | 72.2800% | 1,386 |
| Net loans and leases to deposits | 84.6845% | 1,407 |
| Net loans and leases to core deposits | 91.8171% | 1,400 |
| Total domestic deposits to total assets | 85.3500% | 2,897 |
| Equity capital to assets | 12.2341% | 872 |
| Core capital (leverage) ratio | 15.3381% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $274,694,600 | 2,576 |
| Average earning assets | $253,878,200 | 2,588 |
| Average equity | $35,221,000 | 2,101 |
| Average total loans | $193,825,200 | 2,282 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0593% | 196 |
| Cost of funding earning assets | 0.5202% | 677 |
| Net interest margin | 4.5391% | 223 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 3.3634% | 544 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8733% | 2,992 |
| Return on assets (ROA) | 0.8706% | 2,972 |
| Pretax return on assets | 1.0922% | 2,749 |
| Return on Equity (ROE) | 6.7100% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.7114% | 2,474 |
| Net charge-offs to loans | 0.9084% | 57 |
| Credit loss provision to net charge-offs | 10.3926% | 1,659 |
| Earnings coverage of net charge-offs (x) | 1.8353% | 2,265 |
| Efficiency ratio | 74.3325% | 1,243 |
| Assets per employee ($millions) | 3.5285% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1046% | 407 |
| Loan loss allowance to noncurrent loans | 818.7867% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 894 |
| Noncurrent loans to loans | 0.2570% | 2,350 |
| Net loans and leases to total assets | 71.6300% | 1,330 |
| Net loans and leases to deposits | 82.4196% | 1,411 |
| Net loans and leases to core deposits | 89.1441% | 1,349 |
| Total domestic deposits to total assets | 86.9100% | 2,792 |
| Equity capital to assets | 12.3086% | 818 |
| Core capital (leverage) ratio | 15.4616% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $273,683,750 | 2,603 |
| Average earning assets | $253,228,000 | 2,618 |
| Average equity | $35,501,000 | 2,124 |
| Average total loans | $190,669,500 | 2,303 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 183 |
| Cost of funding earning assets | 0.5199% | 463 |
| Net interest margin | 4.4364% | 213 |
| Noninterest income to average assets | 0.3441% | 3,093 |
| Noninterest expense to average assets | 3.3520% | 507 |
| Loan and lease loss provision to assets | 0.0437% | 1,784 |
| Net operating income to assets | 0.8456% | 2,798 |
| Return on assets (ROA) | 0.8456% | 2,771 |
| Pretax return on assets | 1.0600% | 2,544 |
| Return on Equity (ROE) | 6.4111% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.4111% | 2,202 |
| Net charge-offs to loans | 1.2939% | 45 |
| Credit loss provision to net charge-offs | 4.9342% | 1,646 |
| Earnings coverage of net charge-offs (x) | 1.2451% | 2,075 |
| Efficiency ratio | 75.2291% | 1,363 |
| Assets per employee ($millions) | 3.5998% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2107% | 380 |
| Loan loss allowance to noncurrent loans | 857.2597% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 961 |
| Noncurrent loans to loans | 0.2579% | 2,445 |
| Net loans and leases to total assets | 67.7766% | 1,497 |
| Net loans and leases to deposits | 78.2014% | 1,524 |
| Net loans and leases to core deposits | 82.5313% | 1,556 |
| Total domestic deposits to total assets | 86.6693% | 3,048 |
| Equity capital to assets | 12.6526% | 729 |
| Core capital (leverage) ratio | 13.8432% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,346,000 | 2,618 |
| Average earning assets | $254,261,333 | 2,642 |
| Average equity | $36,187,333 | 2,149 |
| Average total loans | $187,960,000 | 2,317 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 194 |
| Cost of funding earning assets | 0.5470% | 383 |
| Net interest margin | 4.2755% | 251 |
| Noninterest income to average assets | 0.3538% | 2,974 |
| Noninterest expense to average assets | 3.2236% | 584 |
| Loan and lease loss provision to assets | 0.0437% | 1,572 |
| Net operating income to assets | 0.8387% | 2,525 |
| Return on assets (ROA) | 0.8387% | 2,519 |
| Pretax return on assets | 1.0585% | 2,268 |
| Return on Equity (ROE) | 6.2316% | 3,273 |
| Retained earnings to average equity (ytd only) | 6.2316% | 2,163 |
| Net charge-offs to loans | 2.5864% | 25 |
| Credit loss provision to net charge-offs | 2.4793% | 1,331 |
| Earnings coverage of net charge-offs (x) | 0.6256% | 1,766 |
| Efficiency ratio | 74.5204% | 1,688 |
| Assets per employee ($millions) | 3.5490% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2428% | 411 |
| Loan loss allowance to noncurrent loans | 707.6401% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 963 |
| Noncurrent loans to loans | 0.3169% | 2,334 |
| Net loans and leases to total assets | 65.6259% | 1,450 |
| Net loans and leases to deposits | 75.8490% | 1,460 |
| Net loans and leases to core deposits | 81.2110% | 1,403 |
| Total domestic deposits to total assets | 86.5218% | 3,098 |
| Equity capital to assets | 13.0014% | 689 |
| Core capital (leverage) ratio | 13.8909% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,725,500 | 2,631 |
| Average earning assets | $255,220,500 | 2,652 |
| Average equity | $36,973,000 | 2,177 |
| Average total loans | $187,130,000 | 2,316 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 262 |
| Cost of funding earning assets | 0.6796% | 352 |
| Net interest margin | 4.3204% | 386 |
| Noninterest income to average assets | 0.3720% | 3,201 |
| Noninterest expense to average assets | 3.4035% | 541 |
| Loan and lease loss provision to assets | 0.0189% | 2,692 |
| Net operating income to assets | 0.7690% | 3,426 |
| Return on assets (ROA) | 0.7690% | 3,490 |
| Pretax return on assets | 0.9588% | 3,363 |
| Return on Equity (ROE) | 5.4773% | 3,888 |
| Retained earnings to average equity (ytd only) | 5.4773% | 2,573 |
| Net charge-offs to loans | 0.0297% | 1,643 |
| Credit loss provision to net charge-offs | 89.2857% | 1,886 |
| Earnings coverage of net charge-offs (x) | 46.1786% | 1,347 |
| Efficiency ratio | 77.6838% | 975 |
| Assets per employee ($millions) | 3.5406% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8383% | 177 |
| Loan loss allowance to noncurrent loans | 192.9989% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0164% | 541 |
| Noncurrent loans to loans | 1.4706% | 623 |
| Net loans and leases to total assets | 67.1524% | 1,356 |
| Net loans and leases to deposits | 78.5733% | 1,345 |
| Net loans and leases to core deposits | 84.2887% | 1,309 |
| Total domestic deposits to total assets | 85.4647% | 3,102 |
| Equity capital to assets | 13.9220% | 680 |
| Core capital (leverage) ratio | 13.8268% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,490,400 | 2,636 |
| Average earning assets | $245,439,400 | 2,648 |
| Average equity | $37,135,200 | 2,191 |
| Average total loans | $188,387,800 | 2,315 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 274 |
| Cost of funding earning assets | 0.7090% | 363 |
| Net interest margin | 4.3409% | 416 |
| Noninterest income to average assets | 0.3886% | 3,158 |
| Noninterest expense to average assets | 3.4519% | 492 |
| Loan and lease loss provision to assets | -0.0762% | 4,541 |
| Net operating income to assets | 0.8270% | 3,451 |
| Return on assets (ROA) | 0.8270% | 3,518 |
| Pretax return on assets | 1.0348% | 3,364 |
| Return on Equity (ROE) | 5.8776% | 3,942 |
| Retained earnings to average equity (ytd only) | 5.8776% | 2,882 |
| Net charge-offs to loans | 0.0163% | 1,746 |
| Credit loss provision to net charge-offs | -652.1739% | 3,727 |
| Earnings coverage of net charge-offs (x) | 82.0435% | 973 |
| Efficiency ratio | 78.2654% | 857 |
| Assets per employee ($millions) | 3.5244% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7276% | 210 |
| Loan loss allowance to noncurrent loans | 180.3969% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.0722% | 590 |
| Noncurrent loans to loans | 1.5120% | 691 |
| Net loans and leases to total assets | 68.9786% | 1,196 |
| Net loans and leases to deposits | 80.9829% | 1,190 |
| Net loans and leases to core deposits | 87.0034% | 1,215 |
| Total domestic deposits to total assets | 85.1768% | 3,055 |
| Equity capital to assets | 14.0706% | 723 |
| Core capital (leverage) ratio | 13.9977% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,456,500 | 2,677 |
| Average earning assets | $243,168,750 | 2,676 |
| Average equity | $36,930,250 | 2,237 |
| Average total loans | $188,379,000 | 2,351 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0760% | 302 |
| Cost of funding earning assets | 0.7417% | 379 |
| Net interest margin | 4.3343% | 462 |
| Noninterest income to average assets | 0.4312% | 2,947 |
| Noninterest expense to average assets | 3.4996% | 469 |
| Loan and lease loss provision to assets | -0.1151% | 4,652 |
| Net operating income to assets | 0.8394% | 3,400 |
| Return on assets (ROA) | 0.8394% | 3,471 |
| Pretax return on assets | 1.0550% | 3,320 |
| Return on Equity (ROE) | 5.9655% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.9655% | 2,814 |
| Net charge-offs to loans | 0.0224% | 1,496 |
| Credit loss provision to net charge-offs | -714.2857% | 3,570 |
| Earnings coverage of net charge-offs (x) | 58.3333% | 980 |
| Efficiency ratio | 78.8282% | 859 |
| Assets per employee ($millions) | 3.3337% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7437% | 199 |
| Loan loss allowance to noncurrent loans | 176.5327% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.1009% | 670 |
| Noncurrent loans to loans | 1.5542% | 719 |
| Net loans and leases to total assets | 68.8884% | 1,340 |
| Net loans and leases to deposits | 80.5922% | 1,369 |
| Net loans and leases to core deposits | 86.6495% | 1,372 |
| Total domestic deposits to total assets | 85.4778% | 2,919 |
| Equity capital to assets | 13.9436% | 725 |
| Core capital (leverage) ratio | 13.9251% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,656,333 | 2,679 |
| Average earning assets | $241,054,333 | 2,685 |
| Average equity | $36,677,333 | 2,241 |
| Average total loans | $187,857,000 | 2,367 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0896% | 312 |
| Cost of funding earning assets | 0.7853% | 388 |
| Net interest margin | 4.3043% | 515 |
| Noninterest income to average assets | 0.5667% | 2,343 |
| Noninterest expense to average assets | 3.3116% | 595 |
| Loan and lease loss provision to assets | 0.0776% | 1,640 |
| Net operating income to assets | 0.9083% | 3,108 |
| Return on assets (ROA) | 0.9083% | 3,184 |
| Pretax return on assets | 1.1598% | 2,952 |
| Return on Equity (ROE) | 6.4246% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.4246% | 2,756 |
| Net charge-offs to loans | 0.0278% | 1,214 |
| Credit loss provision to net charge-offs | 384.6154% | 669 |
| Earnings coverage of net charge-offs (x) | 61.3077% | 812 |
| Efficiency ratio | 72.7986% | 1,422 |
| Assets per employee ($millions) | 3.3231% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8658% | 171 |
| Loan loss allowance to noncurrent loans | 168.8381% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.2418% | 587 |
| Noncurrent loans to loans | 1.6973% | 711 |
| Net loans and leases to total assets | 69.6027% | 1,341 |
| Net loans and leases to deposits | 81.4272% | 1,383 |
| Net loans and leases to core deposits | 87.8355% | 1,383 |
| Total domestic deposits to total assets | 85.4784% | 2,932 |
| Equity capital to assets | 13.9197% | 686 |
| Core capital (leverage) ratio | 14.2507% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,637,000 | 2,683 |
| Average earning assets | $238,367,000 | 2,690 |
| Average equity | $36,422,500 | 2,239 |
| Average total loans | $187,333,000 | 2,378 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4752% | 197 |
| Cost of funding earning assets | 1.0050% | 584 |
| Net interest margin | 4.4702% | 348 |
| Noninterest income to average assets | 0.3403% | 3,425 |
| Noninterest expense to average assets | 3.3435% | 851 |
| Loan and lease loss provision to assets | 0.3261% | 1,112 |
| Net operating income to assets | 0.6543% | 3,574 |
| Return on assets (ROA) | 0.6546% | 3,707 |
| Pretax return on assets | 0.8009% | 3,623 |
| Return on Equity (ROE) | 4.5504% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.5504% | 2,506 |
| Net charge-offs to loans | 0.0334% | 2,379 |
| Credit loss provision to net charge-offs | 1,269.8413% | 654 |
| Earnings coverage of net charge-offs (x) | 43.8730% | 1,313 |
| Efficiency ratio | 74.7971% | 1,357 |
| Assets per employee ($millions) | 3.2824% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8695% | 162 |
| Loan loss allowance to noncurrent loans | 143.5505% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.7021% | 386 |
| Noncurrent loans to loans | 1.9989% | 577 |
| Net loans and leases to total assets | 71.6907% | 1,334 |
| Net loans and leases to deposits | 84.1918% | 1,437 |
| Net loans and leases to core deposits | 91.1187% | 1,450 |
| Total domestic deposits to total assets | 85.1516% | 2,703 |
| Equity capital to assets | 14.3630% | 715 |
| Core capital (leverage) ratio | 14.0739% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,342,800 | 2,608 |
| Average earning assets | $226,658,400 | 2,623 |
| Average equity | $35,293,600 | 2,220 |
| Average total loans | $188,812,400 | 2,338 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5562% | 207 |
| Cost of funding earning assets | 1.0422% | 656 |
| Net interest margin | 4.5140% | 361 |
| Noninterest income to average assets | 0.3477% | 3,383 |
| Noninterest expense to average assets | 3.5538% | 656 |
| Loan and lease loss provision to assets | 0.1232% | 2,792 |
| Net operating income to assets | 0.6840% | 3,507 |
| Return on assets (ROA) | 0.6845% | 3,615 |
| Pretax return on assets | 0.8383% | 3,548 |
| Return on Equity (ROE) | 4.7561% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.7561% | 2,665 |
| Net charge-offs to loans | 0.0422% | 2,022 |
| Credit loss provision to net charge-offs | 375.0000% | 1,532 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,610 |
| Efficiency ratio | 78.7144% | 971 |
| Assets per employee ($millions) | 3.2634% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5127% | 224 |
| Loan loss allowance to noncurrent loans | 114.4054% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.7025% | 459 |
| Noncurrent loans to loans | 2.1964% | 528 |
| Net loans and leases to total assets | 73.8165% | 1,393 |
| Net loans and leases to deposits | 86.8467% | 1,606 |
| Net loans and leases to core deposits | 93.9242% | 1,645 |
| Total domestic deposits to total assets | 84.9963% | 2,440 |
| Equity capital to assets | 14.2978% | 787 |
| Core capital (leverage) ratio | 14.0486% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,491,750 | 2,605 |
| Average earning assets | $224,777,000 | 2,613 |
| Average equity | $35,041,500 | 2,221 |
| Average total loans | $189,378,250 | 2,325 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7280% | 219 |
| Cost of funding earning assets | 1.0808% | 755 |
| Net interest margin | 4.6473% | 380 |
| Noninterest income to average assets | 0.3454% | 3,405 |
| Noninterest expense to average assets | 3.5966% | 657 |
| Loan and lease loss provision to assets | 0.1245% | 2,783 |
| Net operating income to assets | 0.7399% | 3,241 |
| Return on assets (ROA) | 0.7406% | 3,366 |
| Pretax return on assets | 0.9091% | 3,289 |
| Return on Equity (ROE) | 5.1344% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.1344% | 2,408 |
| Net charge-offs to loans | 0.0434% | 1,878 |
| Credit loss provision to net charge-offs | 365.8537% | 1,477 |
| Earnings coverage of net charge-offs (x) | 30.3415% | 1,427 |
| Efficiency ratio | 77.6901% | 1,081 |
| Assets per employee ($millions) | 3.1479% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5069% | 216 |
| Loan loss allowance to noncurrent loans | 217.9889% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 1,393 |
| Noncurrent loans to loans | 1.1500% | 1,372 |
| Net loans and leases to total assets | 72.9803% | 1,560 |
| Net loans and leases to deposits | 85.9860% | 1,767 |
| Net loans and leases to core deposits | 92.4576% | 1,867 |
| Total domestic deposits to total assets | 84.8746% | 2,445 |
| Equity capital to assets | 14.1001% | 838 |
| Core capital (leverage) ratio | 14.2403% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,894,333 | 2,602 |
| Average earning assets | $222,065,333 | 2,611 |
| Average equity | $34,746,000 | 2,219 |
| Average total loans | $189,081,000 | 2,314 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9018% | 184 |
| Cost of funding earning assets | 1.1217% | 983 |
| Net interest margin | 4.7801% | 285 |
| Noninterest income to average assets | 0.3806% | 3,227 |
| Noninterest expense to average assets | 3.7396% | 678 |
| Loan and lease loss provision to assets | 0.1274% | 2,118 |
| Net operating income to assets | 0.7462% | 3,107 |
| Return on assets (ROA) | 0.7476% | 3,177 |
| Pretax return on assets | 0.9175% | 3,087 |
| Return on Equity (ROE) | 5.1216% | 3,588 |
| Retained earnings to average equity (ytd only) | 5.1216% | 2,220 |
| Net charge-offs to loans | 0.0782% | 1,243 |
| Credit loss provision to net charge-offs | 202.7027% | 1,405 |
| Earnings coverage of net charge-offs (x) | 16.5946% | 1,520 |
| Efficiency ratio | 78.1883% | 1,310 |
| Assets per employee ($millions) | 2.9193% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4431% | 270 |
| Loan loss allowance to noncurrent loans | 196.8288% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 1,282 |
| Noncurrent loans to loans | 1.2412% | 1,312 |
| Net loans and leases to total assets | 78.6101% | 887 |
| Net loans and leases to deposits | 93.0113% | 1,181 |
| Net loans and leases to core deposits | 100.8852% | 1,407 |
| Total domestic deposits to total assets | 84.5168% | 2,594 |
| Equity capital to assets | 14.5892% | 864 |
| Core capital (leverage) ratio | 14.7367% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,424,000 | 2,593 |
| Average earning assets | $216,815,500 | 2,597 |
| Average equity | $34,364,500 | 2,228 |
| Average total loans | $189,363,500 | 2,268 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8219% | 311 |
| Cost of funding earning assets | 1.1428% | 1,181 |
| Net interest margin | 4.6791% | 497 |
| Noninterest income to average assets | 0.3936% | 3,335 |
| Noninterest expense to average assets | 3.5842% | 867 |
| Loan and lease loss provision to assets | 0.3423% | 452 |
| Net operating income to assets | 0.6599% | 3,988 |
| Return on assets (ROA) | 0.6606% | 4,058 |
| Pretax return on assets | 0.8108% | 3,955 |
| Return on Equity (ROE) | 4.6129% | 4,318 |
| Retained earnings to average equity (ytd only) | 4.6129% | 2,639 |
| Net charge-offs to loans | 0.1907% | 1,064 |
| Credit loss provision to net charge-offs | 224.7191% | 1,189 |
| Earnings coverage of net charge-offs (x) | 7.5646% | 2,860 |
| Efficiency ratio | 75.6730% | 1,401 |
| Assets per employee ($millions) | 3.0440% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4534% | 229 |
| Loan loss allowance to noncurrent loans | 282.2127% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 1,807 |
| Noncurrent loans to loans | 0.8693% | 1,768 |
| Net loans and leases to total assets | 78.3204% | 1,026 |
| Net loans and leases to deposits | 92.2746% | 1,331 |
| Net loans and leases to core deposits | 99.9853% | 1,564 |
| Total domestic deposits to total assets | 84.8775% | 2,544 |
| Equity capital to assets | 14.6045% | 901 |
| Core capital (leverage) ratio | 14.4384% | 817 |
| Tier 1 risk-based capital ratio | 21.1703% | 1,137 |
| Total risk-based capital ratio | 22.4402% | 1,111 |
| Memoranda: | ||
| Average total assets | $233,718,600 | 2,553 |
| Average earning assets | $216,921,200 | 2,552 |
| Average equity | $33,471,600 | 2,208 |
| Average total loans | $186,682,000 | 2,259 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8259% | 339 |
| Cost of funding earning assets | 1.1313% | 1,235 |
| Net interest margin | 4.6946% | 506 |
| Noninterest income to average assets | 0.4139% | 3,235 |
| Noninterest expense to average assets | 3.6599% | 792 |
| Loan and lease loss provision to assets | 0.1284% | 1,509 |
| Net operating income to assets | 0.7989% | 3,677 |
| Return on assets (ROA) | 0.7998% | 3,746 |
| Pretax return on assets | 0.9882% | 3,628 |
| Return on Equity (ROE) | 5.6125% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.6125% | 2,562 |
| Net charge-offs to loans | 0.1088% | 1,377 |
| Credit loss provision to net charge-offs | 148.0263% | 1,653 |
| Earnings coverage of net charge-offs (x) | 12.8554% | 2,329 |
| Efficiency ratio | 76.6408% | 1,250 |
| Assets per employee ($millions) | 2.9997% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2706% | 300 |
| Loan loss allowance to noncurrent loans | 342.6957% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 2,414 |
| Noncurrent loans to loans | 0.6626% | 2,299 |
| Net loans and leases to total assets | 78.1076% | 1,121 |
| Net loans and leases to deposits | 92.2739% | 1,405 |
| Net loans and leases to core deposits | 100.0328% | 1,654 |
| Total domestic deposits to total assets | 84.6476% | 2,557 |
| Equity capital to assets | 14.6041% | 952 |
| Core capital (leverage) ratio | 14.3631% | 889 |
| Tier 1 risk-based capital ratio | 21.2662% | 1,160 |
| Total risk-based capital ratio | 22.5335% | 1,136 |
| Memoranda: | ||
| Average total assets | $233,551,750 | 2,578 |
| Average earning assets | $216,980,500 | 2,575 |
| Average equity | $33,281,750 | 2,237 |
| Average total loans | $186,305,250 | 2,288 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 357 |
| Cost of funding earning assets | 1.0918% | 1,329 |
| Net interest margin | 4.6698% | 526 |
| Noninterest income to average assets | 0.3710% | 3,458 |
| Noninterest expense to average assets | 3.6339% | 811 |
| Loan and lease loss provision to assets | 0.1285% | 1,450 |
| Net operating income to assets | 0.7746% | 3,735 |
| Return on assets (ROA) | 0.7746% | 3,799 |
| Pretax return on assets | 0.9588% | 3,682 |
| Return on Equity (ROE) | 5.4812% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.4812% | 2,528 |
| Net charge-offs to loans | 0.0548% | 1,860 |
| Credit loss provision to net charge-offs | 294.1176% | 918 |
| Earnings coverage of net charge-offs (x) | 24.8824% | 1,614 |
| Efficiency ratio | 76.9691% | 1,271 |
| Assets per employee ($millions) | 2.9701% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2882% | 303 |
| Loan loss allowance to noncurrent loans | 274.4859% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 2,053 |
| Noncurrent loans to loans | 0.8336% | 1,922 |
| Net loans and leases to total assets | 76.7570% | 1,427 |
| Net loans and leases to deposits | 90.8472% | 1,651 |
| Net loans and leases to core deposits | 98.1150% | 1,881 |
| Total domestic deposits to total assets | 84.4902% | 2,688 |
| Equity capital to assets | 14.1462% | 1,073 |
| Core capital (leverage) ratio | 14.2776% | 884 |
| Tier 1 risk-based capital ratio | 20.8905% | 1,193 |
| Total risk-based capital ratio | 22.1583% | 1,174 |
| Memoranda: | ||
| Average total assets | $233,410,330 | 2,589 |
| Average earning assets | $217,439,000 | 2,582 |
| Average equity | $32,985,670 | 2,249 |
| Average total loans | $186,074,000 | 2,291 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7408% | 341 |
| Cost of funding earning assets | 1.0532% | 1,368 |
| Net interest margin | 4.6876% | 512 |
| Noninterest income to average assets | 0.3510% | 3,509 |
| Noninterest expense to average assets | 3.5295% | 926 |
| Loan and lease loss provision to assets | 0.1297% | 1,348 |
| Net operating income to assets | 0.8629% | 3,385 |
| Return on assets (ROA) | 0.8629% | 3,436 |
| Pretax return on assets | 1.0791% | 3,209 |
| Return on Equity (ROE) | 6.1092% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.1092% | 2,413 |
| Net charge-offs to loans | 0.0215% | 2,022 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 69.9000% | 844 |
| Efficiency ratio | 74.4891% | 1,683 |
| Assets per employee ($millions) | 2.7858% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2885% | 304 |
| Loan loss allowance to noncurrent loans | 231.0796% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8299% | 1,712 |
| Noncurrent loans to loans | 0.9904% | 1,691 |
| Net loans and leases to total assets | 78.2562% | 1,109 |
| Net loans and leases to deposits | 92.7853% | 1,305 |
| Net loans and leases to core deposits | 100.2188% | 1,604 |
| Total domestic deposits to total assets | 84.3412% | 2,930 |
| Equity capital to assets | 14.2882% | 940 |
| Core capital (leverage) ratio | 14.2571% | 877 |
| Tier 1 risk-based capital ratio | 20.6351% | 1,223 |
| Total risk-based capital ratio | 21.9021% | 1,197 |
| Memoranda: | ||
| Average total assets | $231,310,000 | 2,630 |
| Average earning assets | $216,485,500 | 2,615 |
| Average equity | $32,672,000 | 2,268 |
| Average total loans | $185,784,000 | 2,312 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6643% | 296 |
| Cost of funding earning assets | 0.8519% | 1,296 |
| Net interest margin | 4.8124% | 388 |
| Noninterest income to average assets | 0.4233% | 3,287 |
| Noninterest expense to average assets | 3.7445% | 730 |
| Loan and lease loss provision to assets | 0.2846% | 578 |
| Net operating income to assets | 0.7355% | 4,021 |
| Return on assets (ROA) | 0.7348% | 4,026 |
| Pretax return on assets | 0.9026% | 3,895 |
| Return on Equity (ROE) | 5.2968% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.2968% | 2,602 |
| Net charge-offs to loans | 0.1722% | 1,122 |
| Credit loss provision to net charge-offs | 208.3871% | 1,387 |
| Earnings coverage of net charge-offs (x) | 8.7000% | 2,874 |
| Efficiency ratio | 75.9132% | 1,383 |
| Assets per employee ($millions) | 2.6295% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2390% | 310 |
| Loan loss allowance to noncurrent loans | 269.7479% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 1,965 |
| Noncurrent loans to loans | 0.8300% | 1,941 |
| Net loans and leases to total assets | 78.7437% | 1,145 |
| Net loans and leases to deposits | 93.4976% | 1,336 |
| Net loans and leases to core deposits | 100.8273% | 1,660 |
| Total domestic deposits to total assets | 84.2201% | 2,928 |
| Equity capital to assets | 13.9614% | 984 |
| Core capital (leverage) ratio | 14.1039% | 898 |
| Tier 1 risk-based capital ratio | 20.2753% | 1,259 |
| Total risk-based capital ratio | 21.5418% | 1,237 |
| Memoranda: | ||
| Average total assets | $226,999,400 | 2,634 |
| Average earning assets | $212,701,800 | 2,621 |
| Average equity | $31,491,000 | 2,253 |
| Average total loans | $179,995,000 | 2,333 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 282 |
| Cost of funding earning assets | 0.8042% | 1,316 |
| Net interest margin | 4.8362% | 349 |
| Noninterest income to average assets | 0.4250% | 3,323 |
| Noninterest expense to average assets | 3.7349% | 727 |
| Loan and lease loss provision to assets | 0.1682% | 1,116 |
| Net operating income to assets | 0.8546% | 3,714 |
| Return on assets (ROA) | 0.8546% | 3,722 |
| Pretax return on assets | 1.0541% | 3,561 |
| Return on Equity (ROE) | 6.1706% | 4,213 |
| Retained earnings to average equity (ytd only) | 6.1706% | 2,567 |
| Net charge-offs to loans | 0.1906% | 874 |
| Credit loss provision to net charge-offs | 111.7647% | 2,088 |
| Earnings coverage of net charge-offs (x) | 8.1216% | 2,745 |
| Efficiency ratio | 75.3423% | 1,427 |
| Assets per employee ($millions) | 2.6117% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 404 |
| Loan loss allowance to noncurrent loans | 178.9449% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0413% | 1,393 |
| Noncurrent loans to loans | 1.1857% | 1,427 |
| Net loans and leases to total assets | 78.5108% | 1,257 |
| Net loans and leases to deposits | 94.0280% | 1,377 |
| Net loans and leases to core deposits | 101.3902% | 1,660 |
| Total domestic deposits to total assets | 83.4972% | 3,123 |
| Equity capital to assets | 14.0223% | 954 |
| Core capital (leverage) ratio | 14.2081% | 884 |
| Tier 1 risk-based capital ratio | 20.7241% | 1,223 |
| Total risk-based capital ratio | 21.9889% | 1,197 |
| Memoranda: | ||
| Average total assets | $225,900,500 | 2,657 |
| Average earning assets | $211,704,000 | 2,638 |
| Average equity | $31,287,250 | 2,265 |
| Average total loans | $178,398,250 | 2,363 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 262 |
| Cost of funding earning assets | 0.7858% | 1,197 |
| Net interest margin | 4.8485% | 337 |
| Noninterest income to average assets | 0.3939% | 3,532 |
| Noninterest expense to average assets | 3.6929% | 765 |
| Loan and lease loss provision to assets | 0.1597% | 1,169 |
| Net operating income to assets | 0.8782% | 3,549 |
| Return on assets (ROA) | 0.8782% | 3,553 |
| Pretax return on assets | 1.0840% | 3,376 |
| Return on Equity (ROE) | 6.3674% | 4,112 |
| Retained earnings to average equity (ytd only) | 6.3674% | 2,377 |
| Net charge-offs to loans | 0.2236% | 714 |
| Credit loss provision to net charge-offs | 90.9091% | 2,146 |
| Earnings coverage of net charge-offs (x) | 7.0808% | 2,577 |
| Efficiency ratio | 74.8068% | 1,591 |
| Assets per employee ($millions) | 2.6266% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1515% | 406 |
| Loan loss allowance to noncurrent loans | 221.7770% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 1,406 |
| Noncurrent loans to loans | 0.9701% | 1,794 |
| Net loans and leases to total assets | 76.8923% | 1,487 |
| Net loans and leases to deposits | 91.3739% | 1,666 |
| Net loans and leases to core deposits | 98.9495% | 1,819 |
| Total domestic deposits to total assets | 84.1513% | 3,006 |
| Equity capital to assets | 13.9482% | 944 |
| Core capital (leverage) ratio | 14.0663% | 895 |
| Tier 1 risk-based capital ratio | 20.9564% | 1,182 |
| Total risk-based capital ratio | 22.2222% | 1,154 |
| Memoranda: | ||
| Average total assets | $225,462,000 | 2,673 |
| Average earning assets | $211,242,330 | 2,655 |
| Average equity | $31,096,000 | 2,284 |
| Average total loans | $177,112,330 | 2,379 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6107% | 230 |
| Cost of funding earning assets | 0.7804% | 1,045 |
| Net interest margin | 4.8303% | 326 |
| Noninterest income to average assets | 0.3960% | 3,499 |
| Noninterest expense to average assets | 3.6688% | 802 |
| Loan and lease loss provision to assets | 0.1332% | 1,418 |
| Net operating income to assets | 0.9092% | 3,252 |
| Return on assets (ROA) | 0.9092% | 3,261 |
| Pretax return on assets | 1.1223% | 3,086 |
| Return on Equity (ROE) | 6.6299% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.6299% | 2,442 |
| Net charge-offs to loans | 0.1244% | 1,045 |
| Credit loss provision to net charge-offs | 136.3636% | 1,290 |
| Earnings coverage of net charge-offs (x) | 12.8545% | 1,783 |
| Efficiency ratio | 74.5041% | 1,821 |
| Assets per employee ($millions) | 2.7428% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 393 |
| Loan loss allowance to noncurrent loans | 195.2911% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 1,637 |
| Noncurrent loans to loans | 1.1232% | 1,634 |
| Net loans and leases to total assets | 75.5448% | 1,617 |
| Net loans and leases to deposits | 89.2596% | 1,786 |
| Net loans and leases to core deposits | 96.6750% | 1,926 |
| Total domestic deposits to total assets | 84.6349% | 3,060 |
| Equity capital to assets | 13.6361% | 1,003 |
| Core capital (leverage) ratio | 13.8463% | 904 |
| Tier 1 risk-based capital ratio | 20.7098% | 1,242 |
| Total risk-based capital ratio | 21.9758% | 1,218 |
| Memoranda: | ||
| Average total assets | $225,250,000 | 2,706 |
| Average earning assets | $211,166,500 | 2,681 |
| Average equity | $30,890,500 | 2,310 |
| Average total loans | $176,914,500 | 2,393 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6262% | 220 |
| Cost of funding earning assets | 0.7774% | 706 |
| Net interest margin | 4.8489% | 313 |
| Noninterest income to average assets | 0.3915% | 3,695 |
| Noninterest expense to average assets | 3.6306% | 864 |
| Loan and lease loss provision to assets | 0.2008% | 1,029 |
| Net operating income to assets | 0.5431% | 4,250 |
| Return on assets (ROA) | 0.5431% | 4,282 |
| Pretax return on assets | 1.0780% | 3,271 |
| Return on Equity (ROE) | 3.9382% | 4,520 |
| Retained earnings to average equity (ytd only) | 3.9382% | 2,842 |
| Net charge-offs to loans | 0.2905% | 902 |
| Credit loss provision to net charge-offs | 88.2000% | 2,822 |
| Earnings coverage of net charge-offs (x) | 5.6180% | 3,299 |
| Efficiency ratio | 73.9522% | 1,898 |
| Assets per employee ($millions) | 2.6529% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1557% | 404 |
| Loan loss allowance to noncurrent loans | 160.5439% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 1,410 |
| Noncurrent loans to loans | 1.3428% | 1,298 |
| Net loans and leases to total assets | 78.1500% | 1,270 |
| Net loans and leases to deposits | 92.6534% | 1,430 |
| Net loans and leases to core deposits | 100.5729% | 1,667 |
| Total domestic deposits to total assets | 84.3467% | 3,085 |
| Equity capital to assets | 13.7933% | 963 |
| Core capital (leverage) ratio | 13.8265% | 876 |
| Tier 1 risk-based capital ratio | 20.0664% | 1,307 |
| Total risk-based capital ratio | 21.3316% | 1,264 |
| Memoranda: | ||
| Average total assets | $219,660,000 | 2,731 |
| Average earning assets | $204,666,800 | 2,726 |
| Average equity | $30,293,000 | 2,338 |
| Average total loans | $172,092,400 | 2,401 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8064% | 162 |
| Cost of funding earning assets | 0.7679% | 690 |
| Net interest margin | 5.0384% | 209 |
| Noninterest income to average assets | 0.2382% | 4,781 |
| Noninterest expense to average assets | 3.7605% | 710 |
| Loan and lease loss provision to assets | 0.1103% | 1,938 |
| Net operating income to assets | 0.7353% | 3,793 |
| Return on assets (ROA) | 0.7353% | 3,869 |
| Pretax return on assets | 1.0557% | 3,472 |
| Return on Equity (ROE) | 5.3320% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.3320% | 2,661 |
| Net charge-offs to loans | 0.3720% | 564 |
| Credit loss provision to net charge-offs | 38.0252% | 3,010 |
| Earnings coverage of net charge-offs (x) | 4.0210% | 3,274 |
| Efficiency ratio | 76.3324% | 1,536 |
| Assets per employee ($millions) | 2.7871% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 533 |
| Loan loss allowance to noncurrent loans | 155.8200% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 1,551 |
| Noncurrent loans to loans | 1.3101% | 1,460 |
| Net loans and leases to total assets | 77.4974% | 1,350 |
| Net loans and leases to deposits | 92.2295% | 1,540 |
| Net loans and leases to core deposits | 100.1524% | 1,693 |
| Total domestic deposits to total assets | 84.0266% | 3,113 |
| Equity capital to assets | 13.8596% | 1,033 |
| Core capital (leverage) ratio | 13.7658% | 955 |
| Tier 1 risk-based capital ratio | 20.1192% | 1,338 |
| Total risk-based capital ratio | 21.3831% | 1,305 |
| Memoranda: | ||
| Average total assets | $218,863,250 | 2,763 |
| Average earning assets | $203,656,750 | 2,754 |
| Average equity | $30,181,750 | 2,363 |
| Average total loans | $170,617,500 | 2,428 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8328% | 153 |
| Cost of funding earning assets | 0.7511% | 684 |
| Net interest margin | 5.0817% | 194 |
| Noninterest income to average assets | 0.3182% | 4,273 |
| Noninterest expense to average assets | 3.9293% | 577 |
| Loan and lease loss provision to assets | 0.1113% | 1,837 |
| Net operating income to assets | 0.6989% | 3,860 |
| Return on assets (ROA) | 0.6989% | 3,920 |
| Pretax return on assets | 0.9996% | 3,571 |
| Return on Equity (ROE) | 5.0765% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.0765% | 2,664 |
| Net charge-offs to loans | 0.4979% | 396 |
| Credit loss provision to net charge-offs | 28.8095% | 2,732 |
| Earnings coverage of net charge-offs (x) | 2.8762% | 3,111 |
| Efficiency ratio | 77.9602% | 1,468 |
| Assets per employee ($millions) | 2.6925% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0921% | 517 |
| Loan loss allowance to noncurrent loans | 168.3989% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0129% | 1,728 |
| Noncurrent loans to loans | 1.2424% | 1,561 |
| Net loans and leases to total assets | 74.4274% | 1,793 |
| Net loans and leases to deposits | 88.8742% | 1,880 |
| Net loans and leases to core deposits | 96.4040% | 1,942 |
| Total domestic deposits to total assets | 83.7447% | 3,309 |
| Equity capital to assets | 13.4716% | 1,156 |
| Core capital (leverage) ratio | 13.7280% | 935 |
| Tier 1 risk-based capital ratio | 20.5660% | 1,265 |
| Total risk-based capital ratio | 21.8302% | 1,235 |
| Memoranda: | ||
| Average total assets | $217,496,000 | 2,791 |
| Average earning assets | $202,097,000 | 2,788 |
| Average equity | $29,941,670 | 2,371 |
| Average total loans | $168,692,330 | 2,456 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8486% | 149 |
| Cost of funding earning assets | 0.7496% | 652 |
| Net interest margin | 5.0990% | 187 |
| Noninterest income to average assets | 0.2233% | 4,934 |
| Noninterest expense to average assets | 3.9126% | 592 |
| Loan and lease loss provision to assets | 0.1145% | 1,675 |
| Net operating income to assets | 0.6474% | 3,942 |
| Return on assets (ROA) | 0.6474% | 3,979 |
| Pretax return on assets | 0.9195% | 3,693 |
| Return on Equity (ROE) | 4.6499% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.6499% | 3,089 |
| Net charge-offs to loans | 0.0503% | 1,855 |
| Credit loss provision to net charge-offs | 290.4762% | 805 |
| Earnings coverage of net charge-offs (x) | 26.2381% | 1,315 |
| Efficiency ratio | 79.0971% | 1,476 |
| Assets per employee ($millions) | 2.5778% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3499% | 384 |
| Loan loss allowance to noncurrent loans | 192.8466% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 1,531 |
| Noncurrent loans to loans | 1.2185% | 1,665 |
| Net loans and leases to total assets | 75.5340% | 1,495 |
| Net loans and leases to deposits | 91.4212% | 1,387 |
| Net loans and leases to core deposits | 97.3096% | 1,722 |
| Total domestic deposits to total assets | 82.6219% | 3,965 |
| Equity capital to assets | 13.8133% | 966 |
| Core capital (leverage) ratio | 14.0129% | 838 |
| Tier 1 risk-based capital ratio | 21.0115% | 1,214 |
| Total risk-based capital ratio | 22.2804% | 1,194 |
| Memoranda: | ||
| Average total assets | $213,158,000 | 2,846 |
| Average earning assets | $197,450,000 | 2,857 |
| Average equity | $29,678,000 | 2,406 |
| Average total loans | $167,073,000 | 2,489 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7531% | 174 |
| Cost of funding earning assets | 0.7767% | 557 |
| Net interest margin | 4.9764% | 262 |
| Noninterest income to average assets | 0.4346% | 3,653 |
| Noninterest expense to average assets | 3.9457% | 649 |
| Loan and lease loss provision to assets | 0.2237% | 976 |
| Net operating income to assets | 0.6040% | 4,189 |
| Return on assets (ROA) | 0.6040% | 4,304 |
| Pretax return on assets | 0.8667% | 3,952 |
| Return on Equity (ROE) | 4.3452% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.3452% | 2,807 |
| Net charge-offs to loans | 0.0122% | 3,862 |
| Credit loss provision to net charge-offs | 2,350.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 114.5500% | 531 |
| Efficiency ratio | 78.3480% | 1,646 |
| Assets per employee ($millions) | 2.4974% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3378% | 381 |
| Loan loss allowance to noncurrent loans | 181.7164% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.2361% | 1,452 |
| Noncurrent loans to loans | 1.2865% | 1,588 |
| Net loans and leases to total assets | 77.5840% | 1,274 |
| Net loans and leases to deposits | 94.0775% | 1,187 |
| Net loans and leases to core deposits | 99.8748% | 1,635 |
| Total domestic deposits to total assets | 82.4682% | 3,945 |
| Equity capital to assets | 14.0362% | 880 |
| Core capital (leverage) ratio | 14.0058% | 814 |
| Tier 1 risk-based capital ratio | 20.9775% | 1,209 |
| Total risk-based capital ratio | 22.2463% | 1,188 |
| Memoranda: | ||
| Average total assets | $210,100,800 | 2,850 |
| Average earning assets | $194,276,600 | 2,860 |
| Average equity | $29,204,800 | 2,431 |
| Average total loans | $163,917,800 | 2,478 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7833% | 173 |
| Cost of funding earning assets | 0.7719% | 568 |
| Net interest margin | 5.0114% | 247 |
| Noninterest income to average assets | 0.5519% | 2,907 |
| Noninterest expense to average assets | 4.0510% | 549 |
| Loan and lease loss provision to assets | 0.1427% | 1,638 |
| Net operating income to assets | 0.6807% | 3,954 |
| Return on assets (ROA) | 0.6807% | 4,081 |
| Pretax return on assets | 0.9871% | 3,676 |
| Return on Equity (ROE) | 4.9087% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.9087% | 2,890 |
| Net charge-offs to loans | 0.0163% | 3,400 |
| Credit loss provision to net charge-offs | 1,125.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 89.0367% | 708 |
| Efficiency ratio | 78.1927% | 1,666 |
| Assets per employee ($millions) | 2.5579% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2219% | 495 |
| Loan loss allowance to noncurrent loans | 178.7078% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.7169% | 987 |
| Noncurrent loans to loans | 1.2433% | 1,802 |
| Net loans and leases to total assets | 75.6800% | 1,578 |
| Net loans and leases to deposits | 91.1236% | 1,617 |
| Net loans and leases to core deposits | 96.6483% | 1,926 |
| Total domestic deposits to total assets | 83.0521% | 3,569 |
| Equity capital to assets | 13.9781% | 1,042 |
| Core capital (leverage) ratio | 13.8806% | 886 |
| Tier 1 risk-based capital ratio | 21.1012% | 1,250 |
| Total risk-based capital ratio | 22.3681% | 1,224 |
| Memoranda: | ||
| Average total assets | $210,181,250 | 2,866 |
| Average earning assets | $194,139,000 | 2,865 |
| Average equity | $29,144,750 | 2,443 |
| Average total loans | $163,234,500 | 2,487 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8030% | 159 |
| Cost of funding earning assets | 0.7662% | 582 |
| Net interest margin | 5.0368% | 242 |
| Noninterest income to average assets | 0.5729% | 2,777 |
| Noninterest expense to average assets | 3.9967% | 596 |
| Loan and lease loss provision to assets | 0.1432% | 1,591 |
| Net operating income to assets | 0.7399% | 3,605 |
| Return on assets (ROA) | 0.7399% | 3,765 |
| Pretax return on assets | 1.0837% | 3,264 |
| Return on Equity (ROE) | 5.3508% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.3508% | 2,515 |
| Net charge-offs to loans | 0.0037% | 3,576 |
| Credit loss provision to net charge-offs | 5,000.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 428.3333% | 160 |
| Efficiency ratio | 76.5125% | 2,002 |
| Assets per employee ($millions) | 2.5600% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1926% | 550 |
| Loan loss allowance to noncurrent loans | 169.1620% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 1,151 |
| Noncurrent loans to loans | 1.2961% | 1,743 |
| Net loans and leases to total assets | 75.4330% | 1,574 |
| Net loans and leases to deposits | 90.6488% | 1,678 |
| Net loans and leases to core deposits | 95.8159% | 1,992 |
| Total domestic deposits to total assets | 83.2146% | 3,567 |
| Equity capital to assets | 13.8496% | 1,075 |
| Core capital (leverage) ratio | 13.7076% | 903 |
| Tier 1 risk-based capital ratio | 21.0946% | 1,255 |
| Total risk-based capital ratio | 22.3610% | 1,235 |
| Memoranda: | ||
| Average total assets | $209,474,000 | 2,892 |
| Average earning assets | $193,418,000 | 2,893 |
| Average equity | $28,967,670 | 2,456 |
| Average total loans | $162,872,000 | 2,498 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 184 |
| Cost of funding earning assets | 0.7629% | 596 |
| Net interest margin | 4.9440% | 288 |
| Noninterest income to average assets | 0.6732% | 2,157 |
| Noninterest expense to average assets | 4.0274% | 582 |
| Loan and lease loss provision to assets | 0.1442% | 1,463 |
| Net operating income to assets | 0.7174% | 3,622 |
| Return on assets (ROA) | 0.7174% | 3,739 |
| Pretax return on assets | 1.0636% | 3,228 |
| Return on Equity (ROE) | 5.1917% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.1917% | 2,824 |
| Net charge-offs to loans | 0.0074% | 2,868 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 209.3333% | 290 |
| Efficiency ratio | 76.9287% | 2,054 |
| Assets per employee ($millions) | 2.6271% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1792% | 607 |
| Loan loss allowance to noncurrent loans | 190.0594% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 1,429 |
| Noncurrent loans to loans | 1.1466% | 2,115 |
| Net loans and leases to total assets | 75.1368% | 1,527 |
| Net loans and leases to deposits | 90.0534% | 1,574 |
| Net loans and leases to core deposits | 94.6466% | 1,926 |
| Total domestic deposits to total assets | 83.4358% | 3,739 |
| Equity capital to assets | 13.7769% | 1,062 |
| Core capital (leverage) ratio | 13.9049% | 837 |
| Tier 1 risk-based capital ratio | 21.2059% | 1,280 |
| Total risk-based capital ratio | 22.4725% | 1,250 |
| Memoranda: | ||
| Average total assets | $207,973,000 | 2,910 |
| Average earning assets | $191,910,500 | 2,913 |
| Average equity | $28,738,000 | 2,456 |
| Average total loans | $162,373,000 | 2,502 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8152% | 167 |
| Cost of funding earning assets | 0.7709% | 572 |
| Net interest margin | 5.0443% | 234 |
| Noninterest income to average assets | 0.4757% | 3,495 |
| Noninterest expense to average assets | 3.9392% | 727 |
| Loan and lease loss provision to assets | 0.2024% | 1,058 |
| Net operating income to assets | 0.6514% | 4,032 |
| Return on assets (ROA) | 0.6514% | 4,129 |
| Pretax return on assets | 0.9741% | 3,567 |
| Return on Equity (ROE) | 4.8171% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.8171% | 2,554 |
| Net charge-offs to loans | 0.2093% | 1,406 |
| Credit loss provision to net charge-offs | 121.5743% | 2,123 |
| Earnings coverage of net charge-offs (x) | 7.0671% | 3,121 |
| Efficiency ratio | 77.0019% | 2,116 |
| Assets per employee ($millions) | 2.5404% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1101% | 678 |
| Loan loss allowance to noncurrent loans | 59.8056% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 3.5738% | 325 |
| Noncurrent loans to loans | 3.5282% | 390 |
| Net loans and leases to total assets | 77.6898% | 1,165 |
| Net loans and leases to deposits | 93.3192% | 1,273 |
| Net loans and leases to core deposits | 97.8905% | 1,683 |
| Total domestic deposits to total assets | 83.2517% | 3,753 |
| Equity capital to assets | 13.8602% | 981 |
| Core capital (leverage) ratio | 13.8202% | 866 |
| Tier 1 risk-based capital ratio | 20.2090% | 1,443 |
| Total risk-based capital ratio | 21.4739% | 1,415 |
| Memoranda: | ||
| Average total assets | $206,033,000 | 2,890 |
| Average earning assets | $189,520,800 | 2,896 |
| Average equity | $27,859,000 | 2,471 |
| Average total loans | $163,887,800 | 2,415 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 168 |
| Cost of funding earning assets | 0.7724% | 587 |
| Net interest margin | 5.0475% | 229 |
| Noninterest income to average assets | 0.5046% | 3,330 |
| Noninterest expense to average assets | 3.9786% | 685 |
| Loan and lease loss provision to assets | 0.1249% | 1,816 |
| Net operating income to assets | 0.6890% | 3,951 |
| Return on assets (ROA) | 0.6890% | 4,066 |
| Pretax return on assets | 1.0428% | 3,442 |
| Return on Equity (ROE) | 5.1274% | 4,569 |
| Retained earnings to average equity (ytd only) | 5.1274% | 2,823 |
| Net charge-offs to loans | 0.0610% | 2,726 |
| Credit loss provision to net charge-offs | 257.3333% | 1,109 |
| Earnings coverage of net charge-offs (x) | 24.0661% | 1,707 |
| Efficiency ratio | 77.3099% | 2,049 |
| Assets per employee ($millions) | 2.5415% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1139% | 753 |
| Loan loss allowance to noncurrent loans | 54.2431% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 3.7934% | 320 |
| Noncurrent loans to loans | 3.8971% | 347 |
| Net loans and leases to total assets | 78.5046% | 1,024 |
| Net loans and leases to deposits | 94.3234% | 1,168 |
| Net loans and leases to core deposits | 98.0042% | 1,697 |
| Total domestic deposits to total assets | 83.2292% | 3,724 |
| Equity capital to assets | 13.7284% | 1,132 |
| Core capital (leverage) ratio | 13.6436% | 963 |
| Tier 1 risk-based capital ratio | 19.7045% | 1,619 |
| Total risk-based capital ratio | 20.9696% | 1,580 |
| Memoranda: | ||
| Average total assets | $206,097,250 | 2,908 |
| Average earning assets | $189,527,750 | 2,919 |
| Average equity | $27,693,500 | 2,495 |
| Average total loans | $164,031,500 | 2,433 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8002% | 164 |
| Cost of funding earning assets | 0.7763% | 561 |
| Net interest margin | 5.0239% | 234 |
| Noninterest income to average assets | 0.4928% | 3,428 |
| Noninterest expense to average assets | 3.9277% | 741 |
| Loan and lease loss provision to assets | 0.1242% | 1,781 |
| Net operating income to assets | 0.6848% | 3,961 |
| Return on assets (ROA) | 0.6848% | 4,074 |
| Pretax return on assets | 1.0612% | 3,334 |
| Return on Equity (ROE) | 5.1337% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.1337% | 2,776 |
| Net charge-offs to loans | 0.0770% | 2,290 |
| Credit loss provision to net charge-offs | 203.1746% | 1,214 |
| Earnings coverage of net charge-offs (x) | 19.3968% | 1,751 |
| Efficiency ratio | 76.8165% | 2,226 |
| Assets per employee ($millions) | 2.5963% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 860 |
| Loan loss allowance to noncurrent loans | 56.1877% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 3.6040% | 390 |
| Noncurrent loans to loans | 3.7274% | 453 |
| Net loans and leases to total assets | 78.3357% | 1,024 |
| Net loans and leases to deposits | 93.9163% | 1,157 |
| Net loans and leases to core deposits | 96.9293% | 1,724 |
| Total domestic deposits to total assets | 83.4101% | 3,785 |
| Equity capital to assets | 13.5729% | 1,140 |
| Core capital (leverage) ratio | 13.4215% | 1,008 |
| Tier 1 risk-based capital ratio | 19.6658% | 1,630 |
| Total risk-based capital ratio | 20.9305% | 1,590 |
| Memoranda: | ||
| Average total assets | $206,177,000 | 2,935 |
| Average earning assets | $189,614,670 | 2,937 |
| Average equity | $27,504,330 | 2,518 |
| Average total loans | $163,676,000 | 2,444 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 180 |
| Cost of funding earning assets | 0.7814% | 562 |
| Net interest margin | 4.9642% | 264 |
| Noninterest income to average assets | 0.5012% | 3,278 |
| Noninterest expense to average assets | 3.8895% | 780 |
| Loan and lease loss provision to assets | 0.1316% | 1,575 |
| Net operating income to assets | 0.6250% | 4,172 |
| Return on assets (ROA) | 0.6250% | 4,273 |
| Pretax return on assets | 1.0411% | 3,335 |
| Return on Equity (ROE) | 4.7262% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.7262% | 3,202 |
| Net charge-offs to loans | 0.0392% | 2,440 |
| Credit loss provision to net charge-offs | 425.0000% | 625 |
| Earnings coverage of net charge-offs (x) | 37.8750% | 1,007 |
| Efficiency ratio | 76.8349% | 2,366 |
| Assets per employee ($millions) | 2.6370% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0956% | 928 |
| Loan loss allowance to noncurrent loans | 54.9687% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 3.7989% | 410 |
| Noncurrent loans to loans | 3.8123% | 472 |
| Net loans and leases to total assets | 76.7882% | 1,084 |
| Net loans and leases to deposits | 92.2783% | 1,152 |
| Net loans and leases to core deposits | 95.3337% | 1,667 |
| Total domestic deposits to total assets | 83.2137% | 4,112 |
| Equity capital to assets | 13.2154% | 1,298 |
| Core capital (leverage) ratio | 13.3381% | 1,039 |
| Tier 1 risk-based capital ratio | 19.4378% | 1,753 |
| Total risk-based capital ratio | 20.7025% | 1,706 |
| Memoranda: | ||
| Average total assets | $206,712,000 | 2,943 |
| Average earning assets | $189,919,500 | 2,946 |
| Average equity | $27,337,000 | 2,549 |
| Average total loans | $163,459,500 | 2,451 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9260% | 171 |
| Cost of funding earning assets | 0.8569% | 487 |
| Net interest margin | 5.0691% | 267 |
| Noninterest income to average assets | 0.3696% | 4,434 |
| Noninterest expense to average assets | 3.8376% | 932 |
| Loan and lease loss provision to assets | 0.1715% | 1,514 |
| Net operating income to assets | 0.6765% | 4,005 |
| Return on assets (ROA) | 0.6913% | 4,051 |
| Pretax return on assets | 1.0145% | 3,436 |
| Return on Equity (ROE) | 5.4198% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.4198% | 2,317 |
| Net charge-offs to loans | 0.1641% | 2,389 |
| Credit loss provision to net charge-offs | 131.9703% | 1,804 |
| Earnings coverage of net charge-offs (x) | 8.9591% | 2,810 |
| Efficiency ratio | 76.7240% | 2,405 |
| Assets per employee ($millions) | 2.5962% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 1,005 |
| Loan loss allowance to noncurrent loans | 56.2281% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 3.7548% | 472 |
| Noncurrent loans to loans | 3.6673% | 540 |
| Net loans and leases to total assets | 78.0862% | 986 |
| Net loans and leases to deposits | 95.2362% | 966 |
| Net loans and leases to core deposits | 98.4975% | 1,513 |
| Total domestic deposits to total assets | 81.9921% | 4,425 |
| Equity capital to assets | 13.2341% | 1,257 |
| Core capital (leverage) ratio | 13.0760% | 1,107 |
| Tier 1 risk-based capital ratio | 20.1134% | 1,574 |
| Total risk-based capital ratio | 21.3790% | 1,544 |
| Memoranda: | ||
| Average total assets | $207,004,200 | 2,910 |
| Average earning assets | $189,165,200 | 2,912 |
| Average equity | $26,403,400 | 2,536 |
| Average total loans | $163,962,600 | 2,388 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9471% | 163 |
| Cost of funding earning assets | 0.8644% | 502 |
| Net interest margin | 5.0827% | 256 |
| Noninterest income to average assets | 0.4209% | 4,089 |
| Noninterest expense to average assets | 3.9604% | 788 |
| Loan and lease loss provision to assets | 0.0289% | 3,830 |
| Net operating income to assets | 0.7238% | 3,820 |
| Return on assets (ROA) | 0.7435% | 3,805 |
| Pretax return on assets | 1.1008% | 3,184 |
| Return on Equity (ROE) | 5.8837% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.8837% | 2,475 |
| Net charge-offs to loans | 0.2113% | 1,777 |
| Credit loss provision to net charge-offs | 17.3077% | 3,610 |
| Earnings coverage of net charge-offs (x) | 6.5884% | 3,055 |
| Efficiency ratio | 78.2504% | 2,150 |
| Assets per employee ($millions) | 2.6920% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 1,527 |
| Loan loss allowance to noncurrent loans | 50.8865% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 4.1967% | 448 |
| Noncurrent loans to loans | 3.6749% | 628 |
| Net loans and leases to total assets | 77.7452% | 984 |
| Net loans and leases to deposits | 95.8063% | 898 |
| Net loans and leases to core deposits | 99.1028% | 1,442 |
| Total domestic deposits to total assets | 81.1483% | 4,786 |
| Equity capital to assets | 12.9462% | 1,459 |
| Core capital (leverage) ratio | 12.9105% | 1,222 |
| Tier 1 risk-based capital ratio | 19.6552% | 1,743 |
| Total risk-based capital ratio | 20.9178% | 1,710 |
| Memoranda: | ||
| Average total assets | $207,480,500 | 2,930 |
| Average earning assets | $189,421,000 | 2,938 |
| Average equity | $26,218,500 | 2,556 |
| Average total loans | $164,071,750 | 2,402 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9534% | 159 |
| Cost of funding earning assets | 0.8757% | 493 |
| Net interest margin | 5.0777% | 249 |
| Noninterest income to average assets | 0.3604% | 4,537 |
| Noninterest expense to average assets | 3.9220% | 835 |
| Loan and lease loss provision to assets | 0.0145% | 3,969 |
| Net operating income to assets | 0.7054% | 3,811 |
| Return on assets (ROA) | 0.7054% | 3,904 |
| Pretax return on assets | 1.0561% | 3,255 |
| Return on Equity (ROE) | 5.6280% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.6280% | 2,559 |
| Net charge-offs to loans | 0.1744% | 1,995 |
| Credit loss provision to net charge-offs | 10.4895% | 3,299 |
| Earnings coverage of net charge-offs (x) | 7.7692% | 2,581 |
| Efficiency ratio | 78.5563% | 2,219 |
| Assets per employee ($millions) | 2.6656% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 1,506 |
| Loan loss allowance to noncurrent loans | 55.8740% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 4.0406% | 525 |
| Noncurrent loans to loans | 3.4583% | 774 |
| Net loans and leases to total assets | 77.0871% | 1,040 |
| Net loans and leases to deposits | 93.5426% | 1,002 |
| Net loans and leases to core deposits | 96.5425% | 1,560 |
| Total domestic deposits to total assets | 82.4085% | 4,502 |
| Equity capital to assets | 12.7159% | 1,532 |
| Core capital (leverage) ratio | 12.6733% | 1,297 |
| Tier 1 risk-based capital ratio | 19.3949% | 1,824 |
| Total risk-based capital ratio | 20.6579% | 1,788 |
| Memoranda: | ||
| Average total assets | $207,547,000 | 2,946 |
| Average earning assets | $189,338,670 | 2,960 |
| Average equity | $26,013,000 | 2,563 |
| Average total loans | $164,021,670 | 2,405 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9713% | 147 |
| Cost of funding earning assets | 0.8972% | 461 |
| Net interest margin | 5.0741% | 232 |
| Noninterest income to average assets | 0.4070% | 4,123 |
| Noninterest expense to average assets | 3.8850% | 879 |
| Loan and lease loss provision to assets | 0.0289% | 3,448 |
| Net operating income to assets | 0.7272% | 3,557 |
| Return on assets (ROA) | 0.7272% | 3,638 |
| Pretax return on assets | 1.1188% | 2,818 |
| Return on Equity (ROE) | 5.8448% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.8448% | 2,623 |
| Net charge-offs to loans | 0.2459% | 1,337 |
| Credit loss provision to net charge-offs | 14.8515% | 2,563 |
| Earnings coverage of net charge-offs (x) | 5.8911% | 2,317 |
| Efficiency ratio | 77.1943% | 2,613 |
| Assets per employee ($millions) | 2.6333% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 1,609 |
| Loan loss allowance to noncurrent loans | 60.1617% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.8134% | 651 |
| Noncurrent loans to loans | 3.2504% | 945 |
| Net loans and leases to total assets | 77.1252% | 868 |
| Net loans and leases to deposits | 93.2320% | 854 |
| Net loans and leases to core deposits | 96.7830% | 1,323 |
| Total domestic deposits to total assets | 82.7240% | 4,705 |
| Equity capital to assets | 12.5132% | 1,567 |
| Core capital (leverage) ratio | 12.5541% | 1,364 |
| Tier 1 risk-based capital ratio | 19.1186% | 1,930 |
| Total risk-based capital ratio | 20.3821% | 1,889 |
| Memoranda: | ||
| Average total assets | $207,364,000 | 2,965 |
| Average earning assets | $189,037,000 | 2,983 |
| Average equity | $25,800,500 | 2,576 |
| Average total loans | $164,316,500 | 2,405 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1781% | 130 |
| Cost of funding earning assets | 0.9502% | 575 |
| Net interest margin | 5.2279% | 206 |
| Noninterest income to average assets | 0.2531% | 5,534 |
| Noninterest expense to average assets | 3.6866% | 1,305 |
| Loan and lease loss provision to assets | 0.1474% | 2,443 |
| Net operating income to assets | 0.8242% | 3,163 |
| Return on assets (ROA) | 0.8248% | 3,250 |
| Pretax return on assets | 1.1771% | 2,663 |
| Return on Equity (ROE) | 7.0929% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.0929% | 1,403 |
| Net charge-offs to loans | 0.3370% | 1,993 |
| Credit loss provision to net charge-offs | 55.7522% | 3,679 |
| Earnings coverage of net charge-offs (x) | 5.0071% | 3,408 |
| Efficiency ratio | 73.5830% | 3,201 |
| Assets per employee ($millions) | 2.5838% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 1,572 |
| Loan loss allowance to noncurrent loans | 55.2176% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 3.7436% | 741 |
| Noncurrent loans to loans | 3.6069% | 850 |
| Net loans and leases to total assets | 78.2317% | 797 |
| Net loans and leases to deposits | 94.0523% | 874 |
| Net loans and leases to core deposits | 97.8891% | 1,305 |
| Total domestic deposits to total assets | 83.1790% | 4,477 |
| Equity capital to assets | 12.3706% | 1,578 |
| Core capital (leverage) ratio | 12.0224% | 1,591 |
| Tier 1 risk-based capital ratio | 18.8027% | 1,980 |
| Total risk-based capital ratio | 20.0673% | 1,938 |
| Memoranda: | ||
| Average total assets | $213,745,000 | 2,871 |
| Average earning assets | $194,494,000 | 2,899 |
| Average equity | $24,855,800 | 2,640 |
| Average total loans | $167,658,400 | 2,330 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2386% | 127 |
| Cost of funding earning assets | 0.9505% | 645 |
| Net interest margin | 5.2881% | 191 |
| Noninterest income to average assets | 0.3545% | 4,861 |
| Noninterest expense to average assets | 3.7907% | 1,095 |
| Loan and lease loss provision to assets | 0.1578% | 2,289 |
| Net operating income to assets | 0.8593% | 3,050 |
| Return on assets (ROA) | 0.8593% | 3,161 |
| Pretax return on assets | 1.2182% | 2,625 |
| Return on Equity (ROE) | 7.5047% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.5047% | 1,637 |
| Net charge-offs to loans | 0.3667% | 1,731 |
| Credit loss provision to net charge-offs | 55.0756% | 3,398 |
| Earnings coverage of net charge-offs (x) | 4.8034% | 3,347 |
| Efficiency ratio | 73.3685% | 3,163 |
| Assets per employee ($millions) | 2.7069% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0183% | 1,681 |
| Loan loss allowance to noncurrent loans | 308.7199% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 1.6919% | 2,434 |
| Noncurrent loans to loans | 0.6538% | 4,567 |
| Net loans and leases to total assets | 75.5513% | 1,060 |
| Net loans and leases to deposits | 90.5532% | 1,098 |
| Net loans and leases to core deposits | 94.2554% | 1,548 |
| Total domestic deposits to total assets | 83.4331% | 4,398 |
| Equity capital to assets | 11.8280% | 2,027 |
| Core capital (leverage) ratio | 11.8508% | 1,769 |
| Tier 1 risk-based capital ratio | 18.3957% | 2,175 |
| Total risk-based capital ratio | 19.6599% | 2,140 |
| Memoranda: | ||
| Average total assets | $215,506,250 | 2,879 |
| Average earning assets | $196,107,250 | 2,897 |
| Average equity | $24,677,250 | 2,686 |
| Average total loans | $168,325,250 | 2,328 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3099% | 119 |
| Cost of funding earning assets | 0.9538% | 704 |
| Net interest margin | 5.3561% | 170 |
| Noninterest income to average assets | 0.3388% | 4,967 |
| Noninterest expense to average assets | 3.7879% | 1,114 |
| Loan and lease loss provision to assets | 0.1527% | 2,409 |
| Net operating income to assets | 0.9164% | 2,714 |
| Return on assets (ROA) | 0.9164% | 2,853 |
| Pretax return on assets | 1.2793% | 2,371 |
| Return on Equity (ROE) | 8.0910% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.0910% | 1,448 |
| Net charge-offs to loans | 0.2207% | 2,421 |
| Credit loss provision to net charge-offs | 88.2353% | 2,478 |
| Earnings coverage of net charge-offs (x) | 8.2727% | 2,427 |
| Efficiency ratio | 72.5661% | 3,377 |
| Assets per employee ($millions) | 2.6593% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0889% | 1,654 |
| Loan loss allowance to noncurrent loans | 199.7726% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.7622% | 2,473 |
| Noncurrent loans to loans | 1.0456% | 3,844 |
| Net loans and leases to total assets | 77.4236% | 813 |
| Net loans and leases to deposits | 92.5915% | 913 |
| Net loans and leases to core deposits | 96.5249% | 1,306 |
| Total domestic deposits to total assets | 83.6185% | 4,476 |
| Equity capital to assets | 11.6917% | 2,135 |
| Core capital (leverage) ratio | 11.5823% | 1,868 |
| Tier 1 risk-based capital ratio | 18.0534% | 2,300 |
| Total risk-based capital ratio | 19.3191% | 2,256 |
| Memoranda: | ||
| Average total assets | $216,059,000 | 2,886 |
| Average earning assets | $196,897,670 | 2,905 |
| Average equity | $24,471,670 | 2,720 |
| Average total loans | $169,469,330 | 2,313 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3915% | 104 |
| Cost of funding earning assets | 0.9706% | 703 |
| Net interest margin | 5.4209% | 139 |
| Noninterest income to average assets | 0.3546% | 4,840 |
| Noninterest expense to average assets | 3.7149% | 1,222 |
| Loan and lease loss provision to assets | 0.1654% | 2,214 |
| Net operating income to assets | 1.0582% | 2,002 |
| Return on assets (ROA) | 1.0582% | 2,120 |
| Pretax return on assets | 1.4202% | 1,800 |
| Return on Equity (ROE) | 9.4928% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.4928% | 1,243 |
| Net charge-offs to loans | 0.4021% | 1,450 |
| Credit loss provision to net charge-offs | 52.6316% | 2,562 |
| Earnings coverage of net charge-offs (x) | 5.0468% | 2,418 |
| Efficiency ratio | 70.0867% | 3,953 |
| Assets per employee ($millions) | 2.7072% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 1,962 |
| Loan loss allowance to noncurrent loans | 205.1663% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 1.7033% | 2,740 |
| Noncurrent loans to loans | 0.9902% | 4,152 |
| Net loans and leases to total assets | 76.9337% | 728 |
| Net loans and leases to deposits | 91.5037% | 847 |
| Net loans and leases to core deposits | 95.1505% | 1,258 |
| Total domestic deposits to total assets | 84.0772% | 4,440 |
| Equity capital to assets | 11.3406% | 2,594 |
| Core capital (leverage) ratio | 11.2252% | 2,074 |
| Tier 1 risk-based capital ratio | 17.8447% | 2,431 |
| Total risk-based capital ratio | 19.1104% | 2,388 |
| Memoranda: | ||
| Average total assets | $217,718,500 | 2,902 |
| Average earning assets | $198,639,000 | 2,915 |
| Average equity | $24,271,000 | 2,780 |
| Average total loans | $170,091,500 | 2,323 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1459% | 215 |
| Cost of funding earning assets | 1.1529% | 723 |
| Net interest margin | 4.9930% | 390 |
| Noninterest income to average assets | 0.4061% | 4,560 |
| Noninterest expense to average assets | 3.4755% | 1,882 |
| Loan and lease loss provision to assets | 0.1581% | 3,641 |
| Net operating income to assets | 0.8840% | 2,895 |
| Return on assets (ROA) | 0.8904% | 3,100 |
| Pretax return on assets | 1.3496% | 2,214 |
| Return on Equity (ROE) | 8.8371% | 2,712 |
| Retained earnings to average equity (ytd only) | 8.8371% | 871 |
| Net charge-offs to loans | 0.0635% | 5,056 |
| Credit loss provision to net charge-offs | 327.2727% | 743 |
| Earnings coverage of net charge-offs (x) | 31.0182% | 982 |
| Efficiency ratio | 69.8799% | 3,844 |
| Assets per employee ($millions) | 2.7020% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0787% | 1,820 |
| Loan loss allowance to noncurrent loans | 193.9660% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.7509% | 2,773 |
| Noncurrent loans to loans | 1.0717% | 4,059 |
| Net loans and leases to total assets | 76.1086% | 899 |
| Net loans and leases to deposits | 90.1061% | 1,067 |
| Net loans and leases to core deposits | 94.7008% | 1,409 |
| Total domestic deposits to total assets | 84.4655% | 4,096 |
| Equity capital to assets | 10.9572% | 3,006 |
| Core capital (leverage) ratio | 10.7161% | 2,528 |
| Tier 1 risk-based capital ratio | 17.3096% | 2,521 |
| Total risk-based capital ratio | 18.5757% | 2,488 |
| Memoranda: | ||
| Average total assets | $227,768,000 | 2,750 |
| Average earning assets | $208,351,600 | 2,760 |
| Average equity | $22,948,800 | 2,855 |
| Average total loans | $173,131,400 | 2,280 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1308% | 240 |
| Cost of funding earning assets | 1.1723% | 791 |
| Net interest margin | 4.9585% | 432 |
| Noninterest income to average assets | 0.3652% | 4,906 |
| Noninterest expense to average assets | 3.4284% | 1,935 |
| Loan and lease loss provision to assets | 0.1565% | 3,564 |
| Net operating income to assets | 0.8682% | 3,141 |
| Return on assets (ROA) | 0.8667% | 3,390 |
| Pretax return on assets | 1.3142% | 2,541 |
| Return on Equity (ROE) | 8.7845% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.7845% | 1,309 |
| Net charge-offs to loans | 0.0682% | 4,734 |
| Credit loss provision to net charge-offs | 303.3708% | 889 |
| Earnings coverage of net charge-offs (x) | 28.5515% | 1,141 |
| Efficiency ratio | 69.9468% | 3,696 |
| Assets per employee ($millions) | 2.8486% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0291% | 2,085 |
| Loan loss allowance to noncurrent loans | 312.3423% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 3,425 |
| Noncurrent loans to loans | 0.6496% | 5,149 |
| Net loans and leases to total assets | 73.4547% | 1,325 |
| Net loans and leases to deposits | 88.0147% | 1,348 |
| Net loans and leases to core deposits | 93.0252% | 1,684 |
| Total domestic deposits to total assets | 83.4574% | 4,456 |
| Equity capital to assets | 10.3102% | 4,067 |
| Core capital (leverage) ratio | 10.2516% | 3,220 |
| Tier 1 risk-based capital ratio | 16.7968% | 2,843 |
| Total risk-based capital ratio | 18.0620% | 2,782 |
| Memoranda: | ||
| Average total assets | $229,994,750 | 2,753 |
| Average earning assets | $210,406,500 | 2,757 |
| Average equity | $22,690,750 | 2,910 |
| Average total loans | $173,887,250 | 2,298 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1892% | 223 |
| Cost of funding earning assets | 1.2067% | 789 |
| Net interest margin | 4.9825% | 416 |
| Noninterest income to average assets | 0.3546% | 4,996 |
| Noninterest expense to average assets | 3.4435% | 1,928 |
| Loan and lease loss provision to assets | 0.1560% | 3,568 |
| Net operating income to assets | 0.8649% | 3,062 |
| Return on assets (ROA) | 0.8626% | 3,340 |
| Pretax return on assets | 1.3082% | 2,529 |
| Return on Equity (ROE) | 8.8751% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.8751% | 1,317 |
| Net charge-offs to loans | 0.3785% | 2,500 |
| Credit loss provision to net charge-offs | 54.3807% | 3,946 |
| Earnings coverage of net charge-offs (x) | 5.1148% | 2,904 |
| Efficiency ratio | 70.1147% | 3,750 |
| Assets per employee ($millions) | 2.7649% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 2,760 |
| Loan loss allowance to noncurrent loans | 507.2816% | 709 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 3,870 |
| Noncurrent loans to loans | 0.3607% | 5,824 |
| Net loans and leases to total assets | 73.3025% | 1,352 |
| Net loans and leases to deposits | 87.4121% | 1,432 |
| Net loans and leases to core deposits | 92.4835% | 1,732 |
| Total domestic deposits to total assets | 83.8586% | 4,371 |
| Equity capital to assets | 10.0004% | 4,340 |
| Core capital (leverage) ratio | 9.8611% | 3,636 |
| Tier 1 risk-based capital ratio | 16.3375% | 2,987 |
| Total risk-based capital ratio | 17.5994% | 2,954 |
| Memoranda: | ||
| Average total assets | $230,696,330 | 2,746 |
| Average earning assets | $210,980,330 | 2,749 |
| Average equity | $22,422,330 | 2,931 |
| Average total loans | $174,895,330 | 2,296 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1412% | 249 |
| Cost of funding earning assets | 1.2460% | 792 |
| Net interest margin | 4.8952% | 468 |
| Noninterest income to average assets | 0.3355% | 5,177 |
| Noninterest expense to average assets | 3.4155% | 1,971 |
| Loan and lease loss provision to assets | 0.1556% | 3,432 |
| Net operating income to assets | 0.8608% | 3,101 |
| Return on assets (ROA) | 0.8560% | 3,364 |
| Pretax return on assets | 1.2348% | 2,790 |
| Return on Equity (ROE) | 8.9356% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.9356% | 1,616 |
| Net charge-offs to loans | 0.0249% | 4,340 |
| Credit loss provision to net charge-offs | 818.1818% | 425 |
| Earnings coverage of net charge-offs (x) | 73.4545% | 455 |
| Efficiency ratio | 70.9666% | 3,627 |
| Assets per employee ($millions) | 2.7775% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 2,582 |
| Loan loss allowance to noncurrent loans | 104.8940% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 2.4063% | 2,459 |
| Noncurrent loans to loans | 1.8419% | 3,355 |
| Net loans and leases to total assets | 73.2113% | 1,181 |
| Net loans and leases to deposits | 87.3514% | 1,247 |
| Net loans and leases to core deposits | 92.8309% | 1,568 |
| Total domestic deposits to total assets | 83.8123% | 4,585 |
| Equity capital to assets | 9.6028% | 4,650 |
| Core capital (leverage) ratio | 9.6565% | 3,837 |
| Tier 1 risk-based capital ratio | 15.5541% | 3,412 |
| Total risk-based capital ratio | 16.8179% | 3,372 |
| Memoranda: | ||
| Average total assets | $231,299,500 | 2,753 |
| Average earning assets | $211,553,500 | 2,750 |
| Average equity | $22,158,500 | 2,962 |
| Average total loans | $176,664,500 | 2,281 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4982% | 181 |
| Cost of funding earning assets | 1.5242% | 651 |
| Net interest margin | 4.9740% | 430 |
| Noninterest income to average assets | 0.4025% | 4,593 |
| Noninterest expense to average assets | 3.5335% | 1,906 |
| Loan and lease loss provision to assets | 0.0599% | 5,860 |
| Net operating income to assets | 0.8793% | 2,695 |
| Return on assets (ROA) | 0.8752% | 2,853 |
| Pretax return on assets | 1.3107% | 2,087 |
| Return on Equity (ROE) | 9.8329% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.8329% | 603 |
| Net charge-offs to loans | 0.1658% | 4,823 |
| Credit loss provision to net charge-offs | 46.2046% | 5,509 |
| Earnings coverage of net charge-offs (x) | 10.6205% | 1,814 |
| Efficiency ratio | 71.9638% | 3,585 |
| Assets per employee ($millions) | 2.7297% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 2,762 |
| Loan loss allowance to noncurrent loans | 197.8326% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 2.0393% | 2,910 |
| Noncurrent loans to loans | 0.9271% | 4,841 |
| Net loans and leases to total assets | 76.7018% | 867 |
| Net loans and leases to deposits | 91.5261% | 1,008 |
| Net loans and leases to core deposits | 97.4166% | 1,377 |
| Total domestic deposits to total assets | 83.8032% | 4,411 |
| Equity capital to assets | 9.5568% | 4,796 |
| Core capital (leverage) ratio | 9.5021% | 4,024 |
| Tier 1 risk-based capital ratio | 15.0144% | 3,632 |
| Total risk-based capital ratio | 16.2772% | 3,584 |
| Memoranda: | ||
| Average total assets | $233,764,600 | 2,687 |
| Average earning assets | $211,843,200 | 2,714 |
| Average equity | $20,807,800 | 3,033 |
| Average total loans | $182,700,400 | 2,202 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5408% | 187 |
| Cost of funding earning assets | 1.5808% | 635 |
| Net interest margin | 4.9600% | 451 |
| Noninterest income to average assets | 0.4155% | 4,540 |
| Noninterest expense to average assets | 3.4978% | 1,944 |
| Loan and lease loss provision to assets | 0.0795% | 5,453 |
| Net operating income to assets | 0.8884% | 2,784 |
| Return on assets (ROA) | 0.8884% | 2,940 |
| Pretax return on assets | 1.3249% | 2,202 |
| Return on Equity (ROE) | 10.1630% | 2,142 |
| Retained earnings to average equity (ytd only) | 10.1630% | 800 |
| Net charge-offs to loans | 0.1714% | 4,426 |
| Credit loss provision to net charge-offs | 59.3220% | 4,826 |
| Earnings coverage of net charge-offs (x) | 10.4830% | 1,911 |
| Efficiency ratio | 71.3525% | 3,680 |
| Assets per employee ($millions) | 2.6815% | 6,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 2,713 |
| Loan loss allowance to noncurrent loans | 416.0050% | 768 |
| Noncurrent assets plus other real estate owned to assets | 1.9856% | 3,155 |
| Noncurrent loans to loans | 0.4499% | 5,944 |
| Net loans and leases to total assets | 76.2365% | 947 |
| Net loans and leases to deposits | 89.8594% | 1,229 |
| Net loans and leases to core deposits | 95.6565% | 1,639 |
| Total domestic deposits to total assets | 84.8398% | 3,854 |
| Equity capital to assets | 9.2927% | 5,394 |
| Core capital (leverage) ratio | 9.2323% | 4,570 |
| Tier 1 risk-based capital ratio | 14.4833% | 3,992 |
| Total risk-based capital ratio | 15.7459% | 3,954 |
| Memoranda: | ||
| Average total assets | $234,882,750 | 2,689 |
| Average earning assets | $212,466,500 | 2,711 |
| Average equity | $20,531,500 | 3,070 |
| Average total loans | $183,586,250 | 2,214 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5229% | 196 |
| Cost of funding earning assets | 1.6607% | 550 |
| Net interest margin | 4.8622% | 532 |
| Noninterest income to average assets | 0.3809% | 4,837 |
| Noninterest expense to average assets | 3.5428% | 1,878 |
| Loan and lease loss provision to assets | 0.1185% | 4,793 |
| Net operating income to assets | 0.7541% | 3,267 |
| Return on assets (ROA) | 0.7541% | 3,398 |
| Pretax return on assets | 1.1130% | 2,798 |
| Return on Equity (ROE) | 8.8078% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.8078% | 1,171 |
| Net charge-offs to loans | 0.0908% | 4,758 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 17.3214% | 1,306 |
| Efficiency ratio | 74.2067% | 3,322 |
| Assets per employee ($millions) | 2.8286% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 2,629 |
| Loan loss allowance to noncurrent loans | 150.6879% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 2.7600% | 2,424 |
| Noncurrent loans to loans | 1.2693% | 4,547 |
| Net loans and leases to total assets | 75.6516% | 1,127 |
| Net loans and leases to deposits | 88.3068% | 1,456 |
| Net loans and leases to core deposits | 94.0042% | 1,894 |
| Total domestic deposits to total assets | 85.6691% | 3,508 |
| Equity capital to assets | 8.7246% | 5,911 |
| Core capital (leverage) ratio | 8.6716% | 5,272 |
| Tier 1 risk-based capital ratio | 13.6004% | 4,452 |
| Total risk-based capital ratio | 14.8633% | 4,425 |
| Memoranda: | ||
| Average total assets | $236,307,000 | 2,691 |
| Average earning assets | $213,525,330 | 2,718 |
| Average equity | $20,232,000 | 3,091 |
| Average total loans | $185,061,000 | 2,221 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5597% | 194 |
| Cost of funding earning assets | 1.7214% | 511 |
| Net interest margin | 4.8383% | 526 |
| Noninterest income to average assets | 0.3361% | 5,219 |
| Noninterest expense to average assets | 3.5390% | 1,907 |
| Loan and lease loss provision to assets | 0.1867% | 3,747 |
| Net operating income to assets | 0.6806% | 3,606 |
| Return on assets (ROA) | 0.6806% | 3,670 |
| Pretax return on assets | 0.9709% | 3,247 |
| Return on Equity (ROE) | 8.0268% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.0268% | 1,721 |
| Net charge-offs to loans | -0.0086% | 6,331 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3524% | 3,273 |
| Assets per employee ($millions) | 2.8618% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,594 |
| Loan loss allowance to noncurrent loans | 136.5657% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 2.9900% | 2,309 |
| Noncurrent loans to loans | 1.4139% | 4,352 |
| Net loans and leases to total assets | 76.1827% | 1,013 |
| Net loans and leases to deposits | 88.6944% | 1,388 |
| Net loans and leases to core deposits | 94.4452% | 1,840 |
| Total domestic deposits to total assets | 85.8935% | 3,584 |
| Equity capital to assets | 8.4992% | 5,905 |
| Core capital (leverage) ratio | 8.5599% | 5,334 |
| Tier 1 risk-based capital ratio | 13.0511% | 4,790 |
| Total risk-based capital ratio | 14.3140% | 4,760 |
| Memoranda: | ||
| Average total assets | $235,658,000 | 2,722 |
| Average earning assets | $212,389,000 | 2,752 |
| Average equity | $19,983,000 | 3,121 |
| Average total loans | $185,963,000 | 2,236 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8812% | 169 |
| Cost of funding earning assets | 1.8972% | 851 |
| Net interest margin | 4.9840% | 445 |
| Noninterest income to average assets | 0.5439% | 3,861 |
| Noninterest expense to average assets | 3.5070% | 2,149 |
| Loan and lease loss provision to assets | 0.4725% | 3,302 |
| Net operating income to assets | 0.6883% | 3,273 |
| Return on assets (ROA) | 0.5095% | 4,209 |
| Pretax return on assets | 0.7718% | 3,719 |
| Return on Equity (ROE) | 6.2469% | 3,481 |
| Retained earnings to average equity (ytd only) | 6.2469% | 1,692 |
| Net charge-offs to loans | 0.3476% | 4,277 |
| Credit loss provision to net charge-offs | 163.9761% | 2,111 |
| Earnings coverage of net charge-offs (x) | 5.2586% | 2,675 |
| Efficiency ratio | 69.8311% | 4,210 |
| Assets per employee ($millions) | 2.6872% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 2,716 |
| Loan loss allowance to noncurrent loans | 113.9412% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 3.1773% | 2,227 |
| Noncurrent loans to loans | 1.6152% | 4,080 |
| Net loans and leases to total assets | 78.6862% | 852 |
| Net loans and leases to deposits | 91.5168% | 1,323 |
| Net loans and leases to core deposits | 97.6661% | 1,828 |
| Total domestic deposits to total assets | 85.9800% | 3,367 |
| Equity capital to assets | 8.4598% | 5,906 |
| Core capital (leverage) ratio | 8.4073% | 5,520 |
| Tier 1 risk-based capital ratio | 12.8758% | 4,703 |
| Total risk-based capital ratio | 14.1382% | 4,664 |
| Memoranda: | ||
| Average total assets | $232,193,400 | 2,719 |
| Average earning assets | $208,625,600 | 2,770 |
| Average equity | $18,937,400 | 3,289 |
| Average total loans | $192,485,600 | 2,226 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8948% | 173 |
| Cost of funding earning assets | 1.9032% | 1,019 |
| Net interest margin | 4.9916% | 450 |
| Noninterest income to average assets | 0.5677% | 3,672 |
| Noninterest expense to average assets | 3.7331% | 1,504 |
| Loan and lease loss provision to assets | 0.4930% | 3,001 |
| Net operating income to assets | 0.5439% | 4,116 |
| Return on assets (ROA) | 0.5533% | 4,246 |
| Pretax return on assets | 0.8381% | 3,774 |
| Return on Equity (ROE) | 6.8490% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.8490% | 1,924 |
| Net charge-offs to loans | 0.3248% | 4,036 |
| Credit loss provision to net charge-offs | 181.5678% | 2,009 |
| Earnings coverage of net charge-offs (x) | 4.8496% | 2,917 |
| Efficiency ratio | 73.9264% | 3,336 |
| Assets per employee ($millions) | 2.7222% | 6,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 2,855 |
| Loan loss allowance to noncurrent loans | 87.2662% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 4.2608% | 1,605 |
| Noncurrent loans to loans | 2.0377% | 3,635 |
| Net loans and leases to total assets | 80.3616% | 686 |
| Net loans and leases to deposits | 93.7357% | 1,234 |
| Net loans and leases to core deposits | 100.5623% | 1,798 |
| Total domestic deposits to total assets | 85.7321% | 3,230 |
| Equity capital to assets | 8.1845% | 6,627 |
| Core capital (leverage) ratio | 8.2843% | 5,900 |
| Tier 1 risk-based capital ratio | 12.0154% | 5,448 |
| Total risk-based capital ratio | 13.2764% | 5,404 |
| Memoranda: | ||
| Average total assets | $231,795,000 | 2,762 |
| Average earning assets | $208,131,750 | 2,811 |
| Average equity | $18,727,250 | 3,350 |
| Average total loans | $193,755,250 | 2,254 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9658% | 160 |
| Cost of funding earning assets | 1.9216% | 1,151 |
| Net interest margin | 5.0441% | 384 |
| Noninterest income to average assets | 0.5333% | 3,847 |
| Noninterest expense to average assets | 3.7408% | 1,474 |
| Loan and lease loss provision to assets | 0.3506% | 3,619 |
| Net operating income to assets | 0.6471% | 3,641 |
| Return on assets (ROA) | 0.6614% | 3,726 |
| Pretax return on assets | 1.0016% | 3,108 |
| Return on Equity (ROE) | 8.2227% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.2227% | 1,363 |
| Net charge-offs to loans | 0.2941% | 3,853 |
| Credit loss provision to net charge-offs | 141.6084% | 2,818 |
| Earnings coverage of net charge-offs (x) | 5.3741% | 2,682 |
| Efficiency ratio | 73.7624% | 3,519 |
| Assets per employee ($millions) | 2.6199% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 3,280 |
| Loan loss allowance to noncurrent loans | 85.7455% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 4.0977% | 1,666 |
| Noncurrent loans to loans | 1.9160% | 3,845 |
| Net loans and leases to total assets | 82.4738% | 488 |
| Net loans and leases to deposits | 95.2435% | 1,120 |
| Net loans and leases to core deposits | 102.0177% | 1,826 |
| Total domestic deposits to total assets | 86.5926% | 2,759 |
| Equity capital to assets | 8.3165% | 6,409 |
| Core capital (leverage) ratio | 8.2382% | 5,879 |
| Tier 1 risk-based capital ratio | 11.8553% | 5,441 |
| Total risk-based capital ratio | 13.1140% | 5,402 |
| Memoranda: | ||
| Average total assets | $231,022,330 | 2,794 |
| Average earning assets | $207,845,330 | 2,840 |
| Average equity | $18,582,670 | 3,364 |
| Average total loans | $194,492,670 | 2,270 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9606% | 183 |
| Cost of funding earning assets | 1.9444% | 1,261 |
| Net interest margin | 5.0162% | 406 |
| Noninterest income to average assets | 0.5177% | 3,917 |
| Noninterest expense to average assets | 3.5603% | 1,819 |
| Loan and lease loss provision to assets | 0.3612% | 3,205 |
| Net operating income to assets | 0.7439% | 3,241 |
| Return on assets (ROA) | 0.7723% | 3,206 |
| Pretax return on assets | 1.1696% | 2,476 |
| Return on Equity (ROE) | 9.7630% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.7630% | 1,192 |
| Net charge-offs to loans | -0.0082% | 6,861 |
| Credit loss provision to net charge-offs | -5,250.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5281% | 4,213 |
| Assets per employee ($millions) | 2.6391% | 6,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 3,167 |
| Loan loss allowance to noncurrent loans | 103.8857% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 3.5266% | 1,995 |
| Noncurrent loans to loans | 1.6090% | 4,332 |
| Net loans and leases to total assets | 82.8812% | 483 |
| Net loans and leases to deposits | 95.4329% | 1,176 |
| Net loans and leases to core deposits | 100.4211% | 2,085 |
| Total domestic deposits to total assets | 86.8476% | 2,710 |
| Equity capital to assets | 8.1062% | 6,534 |
| Core capital (leverage) ratio | 8.0300% | 6,192 |
| Tier 1 risk-based capital ratio | 11.5590% | 5,617 |
| Total risk-based capital ratio | 12.8182% | 5,586 |
| Memoranda: | ||
| Average total assets | $232,567,000 | 2,845 |
| Average earning assets | $210,040,500 | 2,874 |
| Average equity | $18,396,000 | 3,421 |
| Average total loans | $196,176,500 | 2,317 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1038% | 240 |
| Cost of funding earning assets | 2.5816% | 822 |
| Net interest margin | 4.5222% | 1,129 |
| Noninterest income to average assets | 0.5478% | 4,043 |
| Noninterest expense to average assets | 3.2436% | 3,212 |
| Loan and lease loss provision to assets | 1.1086% | 2,064 |
| Net operating income to assets | 0.2382% | 4,766 |
| Return on assets (ROA) | 0.2382% | 4,843 |
| Pretax return on assets | 0.3280% | 4,695 |
| Return on Equity (ROE) | 3.0511% | 4,476 |
| Retained earnings to average equity (ytd only) | 3.0511% | 3,026 |
| Net charge-offs to loans | 0.6244% | 3,337 |
| Credit loss provision to net charge-offs | 210.2990% | 1,824 |
| Earnings coverage of net charge-offs (x) | 2.7251% | 3,740 |
| Efficiency ratio | 69.3049% | 4,771 |
| Assets per employee ($millions) | 2.8040% | 6,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,625 |
| Loan loss allowance to noncurrent loans | 49.9256% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 3.5061% | 1,915 |
| Noncurrent loans to loans | 3.0434% | 2,535 |
| Net loans and leases to total assets | 83.1310% | 531 |
| Net loans and leases to deposits | 95.1960% | 1,433 |
| Net loans and leases to core deposits | 125.7892% | 1,531 |
| Total domestic deposits to total assets | 87.3262% | 2,309 |
| Equity capital to assets | 7.7187% | 6,839 |
| Core capital (leverage) ratio | 7.6350% | 6,638 |
| Tier 1 risk-based capital ratio | 11.0125% | 5,904 |
| Total risk-based capital ratio | 12.2698% | 5,867 |
| Memoranda: | ||
| Average total assets | $228,386,000 | 2,840 |
| Average earning assets | $208,705,200 | 2,853 |
| Average equity | $17,829,400 | 3,529 |
| Average total loans | $192,839,800 | 2,370 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1290% | 252 |
| Cost of funding earning assets | 2.6386% | 933 |
| Net interest margin | 4.4904% | 1,217 |
| Noninterest income to average assets | 0.5478% | 4,100 |
| Noninterest expense to average assets | 3.2697% | 3,032 |
| Loan and lease loss provision to assets | 0.7596% | 2,469 |
| Net operating income to assets | 0.4131% | 4,350 |
| Return on assets (ROA) | 0.4131% | 4,444 |
| Pretax return on assets | 0.6261% | 4,105 |
| Return on Equity (ROE) | 5.2756% | 3,850 |
| Retained earnings to average equity (ytd only) | 5.2756% | 2,329 |
| Net charge-offs to loans | 0.5561% | 3,013 |
| Credit loss provision to net charge-offs | 161.7794% | 2,918 |
| Earnings coverage of net charge-offs (x) | 2.9511% | 3,754 |
| Efficiency ratio | 70.2351% | 4,544 |
| Assets per employee ($millions) | 2.9174% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 5,749 |
| Loan loss allowance to noncurrent loans | 49.5692% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.4667% | 2,790 |
| Noncurrent loans to loans | 2.2126% | 3,363 |
| Net loans and leases to total assets | 82.4029% | 752 |
| Net loans and leases to deposits | 93.2793% | 2,004 |
| Net loans and leases to core deposits | 123.7492% | 1,928 |
| Total domestic deposits to total assets | 88.3399% | 1,500 |
| Equity capital to assets | 7.7044% | 7,142 |
| Core capital (leverage) ratio | 7.7587% | 6,654 |
| Tier 1 risk-based capital ratio | 11.0602% | 5,889 |
| Total risk-based capital ratio | 12.3111% | 5,849 |
| Memoranda: | ||
| Average total assets | $226,599,250 | 2,875 |
| Average earning assets | $207,280,250 | 2,891 |
| Average equity | $17,741,750 | 3,571 |
| Average total loans | $191,344,250 | 2,416 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1031% | 266 |
| Cost of funding earning assets | 2.7242% | 979 |
| Net interest margin | 4.3788% | 1,452 |
| Noninterest income to average assets | 0.5288% | 4,195 |
| Noninterest expense to average assets | 3.5820% | 2,114 |
| Loan and lease loss provision to assets | 0.9443% | 1,790 |
| Net operating income to assets | 0.0000% | 5,832 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | 0.0009% | 5,866 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.8384% | 2,011 |
| Credit loss provision to net charge-offs | 132.7434% | 3,519 |
| Earnings coverage of net charge-offs (x) | 1.3287% | 4,524 |
| Efficiency ratio | 79.1220% | 3,176 |
| Assets per employee ($millions) | 2.8150% | 6,588 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 6,186 |
| Loan loss allowance to noncurrent loans | 53.1880% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.3674% | 2,741 |
| Noncurrent loans to loans | 1.8931% | 3,676 |
| Net loans and leases to total assets | 84.1651% | 612 |
| Net loans and leases to deposits | 96.1608% | 1,772 |
| Net loans and leases to core deposits | 127.4694% | 1,745 |
| Total domestic deposits to total assets | 87.5254% | 2,006 |
| Equity capital to assets | 7.7091% | 7,065 |
| Core capital (leverage) ratio | 7.7700% | 6,647 |
| Tier 1 risk-based capital ratio | 11.0108% | 5,863 |
| Total risk-based capital ratio | 12.2330% | 5,827 |
| Memoranda: | ||
| Average total assets | $222,390,000 | 2,946 |
| Average earning assets | $203,067,670 | 2,960 |
| Average equity | $17,512,000 | 3,613 |
| Average total loans | $188,687,000 | 2,469 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0733% | 298 |
| Cost of funding earning assets | 2.7821% | 1,020 |
| Net interest margin | 4.2911% | 1,630 |
| Noninterest income to average assets | 0.5301% | 4,057 |
| Noninterest expense to average assets | 3.5122% | 2,068 |
| Loan and lease loss provision to assets | 1.6377% | 761 |
| Net operating income to assets | -0.4682% | 6,848 |
| Return on assets (ROA) | -0.4682% | 6,909 |
| Pretax return on assets | -0.7086% | 6,974 |
| Return on Equity (ROE) | -5.8813% | 7,054 |
| Retained earnings to average equity (ytd only) | -5.8813% | 6,669 |
| Net charge-offs to loans | 1.5605% | 925 |
| Credit loss provision to net charge-offs | 123.8292% | 3,203 |
| Earnings coverage of net charge-offs (x) | 0.7025% | 4,448 |
| Efficiency ratio | 79.0812% | 2,987 |
| Assets per employee ($millions) | 2.7265% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 6,259 |
| Loan loss allowance to noncurrent loans | 43.9162% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 2.6716% | 2,144 |
| Noncurrent loans to loans | 2.2546% | 2,926 |
| Net loans and leases to total assets | 83.4600% | 778 |
| Net loans and leases to deposits | 95.6799% | 1,993 |
| Net loans and leases to core deposits | 125.7804% | 1,930 |
| Total domestic deposits to total assets | 87.2283% | 2,107 |
| Equity capital to assets | 7.7509% | 7,125 |
| Core capital (leverage) ratio | 7.9492% | 6,547 |
| Tier 1 risk-based capital ratio | 11.1481% | 5,764 |
| Total risk-based capital ratio | 12.3485% | 5,719 |
| Memoranda: | ||
| Average total assets | $219,577,500 | 2,993 |
| Average earning assets | $200,133,000 | 3,014 |
| Average equity | $17,479,000 | 3,644 |
| Average total loans | $186,100,000 | 2,518 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4104% | 483 |
| Cost of funding earning assets | 3.0622% | 1,629 |
| Net interest margin | 4.3482% | 1,832 |
| Noninterest income to average assets | 0.4802% | 4,797 |
| Noninterest expense to average assets | 3.4913% | 2,420 |
| Loan and lease loss provision to assets | 0.1561% | 5,367 |
| Net operating income to assets | 0.5817% | 4,388 |
| Return on assets (ROA) | 0.5947% | 4,189 |
| Pretax return on assets | 0.8717% | 3,821 |
| Return on Equity (ROE) | 7.0463% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.0463% | 1,136 |
| Net charge-offs to loans | 0.0903% | 5,451 |
| Credit loss provision to net charge-offs | 201.8987% | 2,403 |
| Earnings coverage of net charge-offs (x) | 13.0443% | 2,179 |
| Efficiency ratio | 77.5832% | 2,979 |
| Assets per employee ($millions) | 2.5665% | 7,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 6,558 |
| Loan loss allowance to noncurrent loans | 109.6503% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6472% | 2,949 |
| Noncurrent loans to loans | 0.8403% | 4,950 |
| Net loans and leases to total assets | 84.4444% | 818 |
| Net loans and leases to deposits | 102.4128% | 1,541 |
| Net loans and leases to core deposits | 132.9616% | 1,652 |
| Total domestic deposits to total assets | 82.4549% | 4,021 |
| Equity capital to assets | 8.1774% | 6,582 |
| Core capital (leverage) ratio | 8.1953% | 6,175 |
| Tier 1 risk-based capital ratio | 11.4321% | 5,308 |
| Total risk-based capital ratio | 12.5300% | 5,347 |
| Memoranda: | ||
| Average total assets | $204,310,000 | 3,080 |
| Average earning assets | $188,884,400 | 3,060 |
| Average equity | $17,243,200 | 3,693 |
| Average total loans | $174,942,800 | 2,561 |