Home > City First Bank > Performance and Condition Ratios
City First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0779% | 3,843 |
| Cost of funding earning assets | 1.5770% | 1,755 |
| Net interest margin | 2.5009% | 4,089 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.1047% | 3,393 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4202% | 3,825 |
| Return on assets (ROA) | 0.4182% | 3,832 |
| Pretax return on assets | 0.5941% | 3,639 |
| Return on Equity (ROE) | 2.6800% | 4,074 |
| Retained earnings to average equity (ytd only) | 2.6751% | 3,392 |
| Net charge-offs to loans | -0.0262% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.7351% | 1,376 |
| Assets per employee ($millions) | 12.9979% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 3,896 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.9000% | 2,471 |
| Net loans and leases to deposits | 115.8244% | 114 |
| Net loans and leases to core deposits | 127.1871% | 456 |
| Total domestic deposits to total assets | 55.1700% | 4,462 |
| Equity capital to assets | 14.5841% | 592 |
| Core capital (leverage) ratio | 15.0847% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,248,087,600 | 830 |
| Average earning assets | $1,171,031,600 | 813 |
| Average equity | $195,131,600 | 551 |
| Average total loans | $823,271,000 | 846 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 3,666 |
| Cost of funding earning assets | 1.4965% | 1,618 |
| Net interest margin | 2.6018% | 4,029 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.0867% | 3,389 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.2538% | 4,170 |
| Return on assets (ROA) | 0.2516% | 4,182 |
| Pretax return on assets | 0.3562% | 4,107 |
| Return on Equity (ROE) | 1.5800% | 4,252 |
| Retained earnings to average equity (ytd only) | 1.5792% | 3,822 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.1272% | 791 |
| Assets per employee ($millions) | 11.3856% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 3,949 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 67.3100% | 2,126 |
| Net loans and leases to deposits | 111.0212% | 185 |
| Net loans and leases to core deposits | 122.7093% | 490 |
| Total domestic deposits to total assets | 60.6300% | 4,455 |
| Equity capital to assets | 15.4873% | 490 |
| Core capital (leverage) ratio | 15.1260% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,215,665,000 | 850 |
| Average earning assets | $1,138,832,500 | 831 |
| Average equity | $193,680,250 | 547 |
| Average total loans | $807,153,250 | 857 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 3,576 |
| Cost of funding earning assets | 1.3196% | 1,660 |
| Net interest margin | 2.7367% | 3,927 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.0401% | 3,490 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.3446% | 4,097 |
| Return on assets (ROA) | 0.3405% | 4,122 |
| Pretax return on assets | 0.4836% | 3,994 |
| Return on Equity (ROE) | 2.1200% | 4,259 |
| Retained earnings to average equity (ytd only) | 2.1167% | 3,701 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.6347% | 1,207 |
| Assets per employee ($millions) | 11.9778% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 3,931 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.8400% | 2,073 |
| Net loans and leases to deposits | 113.3226% | 158 |
| Net loans and leases to core deposits | 125.0786% | 407 |
| Total domestic deposits to total assets | 58.9800% | 4,490 |
| Equity capital to assets | 15.7080% | 469 |
| Core capital (leverage) ratio | 15.3470% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,207,208,333 | 846 |
| Average earning assets | $1,131,443,000 | 827 |
| Average equity | $194,172,667 | 539 |
| Average total loans | $795,454,000 | 853 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 3,468 |
| Cost of funding earning assets | 1.0469% | 1,888 |
| Net interest margin | 2.9443% | 3,713 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.0233% | 3,578 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.5657% | 3,759 |
| Return on assets (ROA) | 0.5583% | 3,741 |
| Pretax return on assets | 0.7974% | 3,469 |
| Return on Equity (ROE) | 3.4200% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.4244% | 3,405 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.2686% | 1,825 |
| Assets per employee ($millions) | 12.2948% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,078 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.4900% | 2,202 |
| Net loans and leases to deposits | 105.1270% | 278 |
| Net loans and leases to core deposits | 120.0563% | 434 |
| Total domestic deposits to total assets | 61.3500% | 4,534 |
| Equity capital to assets | 16.3059% | 377 |
| Core capital (leverage) ratio | 15.7488% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,194,314,500 | 867 |
| Average earning assets | $1,119,848,500 | 850 |
| Average equity | $194,723,000 | 548 |
| Average total loans | $777,890,500 | 878 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3634% | 3,437 |
| Cost of funding earning assets | 0.3658% | 2,358 |
| Net interest margin | 2.9976% | 3,459 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.0767% | 3,363 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.5528% | 3,983 |
| Return on assets (ROA) | 0.5467% | 3,961 |
| Pretax return on assets | 0.7621% | 3,712 |
| Return on Equity (ROE) | 3.8100% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.8091% | 3,460 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.6119% | 1,744 |
| Assets per employee ($millions) | 12.7283% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 4,369 |
| Loan loss allowance to noncurrent loans | 3,047.2222% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,764 |
| Noncurrent loans to loans | 0.0186% | 3,691 |
| Net loans and leases to total assets | 64.8800% | 2,158 |
| Net loans and leases to deposits | 99.6256% | 455 |
| Net loans and leases to core deposits | 109.8167% | 617 |
| Total domestic deposits to total assets | 65.1300% | 4,538 |
| Equity capital to assets | 16.3024% | 369 |
| Core capital (leverage) ratio | 15.7518% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,159,627,600 | 875 |
| Average earning assets | $1,093,955,000 | 857 |
| Average equity | $166,441,800 | 619 |
| Average total loans | $691,550,000 | 920 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1796% | 3,482 |
| Cost of funding earning assets | 0.2716% | 2,473 |
| Net interest margin | 2.9081% | 3,481 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.0577% | 3,325 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.5214% | 4,026 |
| Return on assets (ROA) | 0.5155% | 3,988 |
| Pretax return on assets | 0.7215% | 3,761 |
| Return on Equity (ROE) | 3.7200% | 4,197 |
| Retained earnings to average equity (ytd only) | 3.7210% | 3,543 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.8210% | 1,664 |
| Assets per employee ($millions) | 13.1428% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 4,434 |
| Loan loss allowance to noncurrent loans | 655.0987% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,363 |
| Noncurrent loans to loans | 0.0837% | 3,281 |
| Net loans and leases to total assets | 61.7800% | 2,314 |
| Net loans and leases to deposits | 84.8028% | 1,249 |
| Net loans and leases to core deposits | 102.4594% | 721 |
| Total domestic deposits to total assets | 72.8600% | 4,485 |
| Equity capital to assets | 16.2491% | 357 |
| Core capital (leverage) ratio | 14.7043% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,153,601,000 | 881 |
| Average earning assets | $1,090,370,500 | 863 |
| Average equity | $159,808,000 | 655 |
| Average total loans | $671,329,250 | 937 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0622% | 3,397 |
| Cost of funding earning assets | 0.2648% | 2,096 |
| Net interest margin | 2.7975% | 3,454 |
| Noninterest income to average assets | 0.0944% | 4,512 |
| Noninterest expense to average assets | 2.0708% | 3,231 |
| Loan and lease loss provision to assets | -0.0747% | 4,561 |
| Net operating income to assets | 0.5368% | 3,805 |
| Return on assets (ROA) | 0.5328% | 3,766 |
| Pretax return on assets | 0.7427% | 3,470 |
| Return on Equity (ROE) | 4.0863% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.0863% | 3,051 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1475% | 1,489 |
| Assets per employee ($millions) | 14.7380% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4560% | 4,587 |
| Loan loss allowance to noncurrent loans | 468.0885% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 3,473 |
| Noncurrent loans to loans | 0.0974% | 3,276 |
| Net loans and leases to total assets | 52.8807% | 3,071 |
| Net loans and leases to deposits | 71.8853% | 2,039 |
| Net loans and leases to core deposits | 85.9857% | 1,338 |
| Total domestic deposits to total assets | 73.5626% | 4,549 |
| Equity capital to assets | 16.1188% | 328 |
| Core capital (leverage) ratio | 15.8694% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,148,231,000 | 881 |
| Average earning assets | $1,087,046,000 | 868 |
| Average equity | $149,721,333 | 689 |
| Average total loans | $652,883,000 | 952 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0516% | 3,105 |
| Cost of funding earning assets | 0.3196% | 1,468 |
| Net interest margin | 2.7320% | 3,335 |
| Noninterest income to average assets | 0.1012% | 4,500 |
| Noninterest expense to average assets | 2.1057% | 3,126 |
| Loan and lease loss provision to assets | 0.0529% | 1,433 |
| Net operating income to assets | 0.3774% | 4,002 |
| Return on assets (ROA) | 0.3688% | 3,987 |
| Pretax return on assets | 0.5168% | 3,840 |
| Return on Equity (ROE) | 3.2509% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.2509% | 3,180 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0294% | 1,405 |
| Assets per employee ($millions) | 13.2780% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5387% | 4,551 |
| Loan loss allowance to noncurrent loans | 541.1315% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 3,469 |
| Noncurrent loans to loans | 0.0996% | 3,344 |
| Net loans and leases to total assets | 57.8909% | 2,313 |
| Net loans and leases to deposits | 76.9665% | 1,368 |
| Net loans and leases to core deposits | 96.1839% | 645 |
| Total domestic deposits to total assets | 75.2157% | 4,532 |
| Equity capital to assets | 10.9673% | 1,340 |
| Core capital (leverage) ratio | 9.4545% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,110,717,500 | 902 |
| Average earning assets | $1,050,074,500 | 891 |
| Average equity | $125,995,000 | 818 |
| Average total loans | $654,409,500 | 938 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2163% | 3,439 |
| Cost of funding earning assets | 0.5242% | 820 |
| Net interest margin | 2.6921% | 3,886 |
| Noninterest income to average assets | 0.3918% | 3,093 |
| Noninterest expense to average assets | 3.2856% | 646 |
| Loan and lease loss provision to assets | 0.0216% | 2,640 |
| Net operating income to assets | -0.2851% | 4,731 |
| Return on assets (ROA) | -0.2974% | 4,740 |
| Pretax return on assets | -0.3623% | 4,749 |
| Return on Equity (ROE) | -2.6696% | 4,745 |
| Retained earnings to average equity (ytd only) | -3.4683% | 4,670 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5218% | 101 |
| Assets per employee ($millions) | 12.0088% | 397 |
| Cash dividends to net income (ytd only)* | -29.9180% | 4,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 4,606 |
| Loan loss allowance to noncurrent loans | 495.7602% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,541 |
| Noncurrent loans to loans | 0.1049% | 3,401 |
| Net loans and leases to total assets | 59.3440% | 2,223 |
| Net loans and leases to deposits | 81.3330% | 1,114 |
| Net loans and leases to core deposits | 96.1896% | 683 |
| Total domestic deposits to total assets | 72.9643% | 4,620 |
| Equity capital to assets | 11.7322% | 1,375 |
| Core capital (leverage) ratio | 9.3246% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $820,373,600 | 1,135 |
| Average earning assets | $781,780,000 | 1,110 |
| Average equity | $91,400,000 | 1,085 |
| Average total loans | $472,353,000 | 1,213 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2589% | 3,487 |
| Cost of funding earning assets | 0.5305% | 912 |
| Net interest margin | 2.7284% | 3,915 |
| Noninterest income to average assets | 0.5182% | 2,546 |
| Noninterest expense to average assets | 3.2310% | 680 |
| Loan and lease loss provision to assets | 0.0791% | 1,494 |
| Net operating income to assets | -0.1935% | 4,795 |
| Return on assets (ROA) | -0.2036% | 4,803 |
| Pretax return on assets | -0.1948% | 4,798 |
| Return on Equity (ROE) | -1.8638% | 4,802 |
| Retained earnings to average equity (ytd only) | -3.0479% | 4,750 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9281% | 140 |
| Assets per employee ($millions) | 11.7930% | 394 |
| Cash dividends to net income (ytd only)* | -63.5335% | 4,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5668% | 4,655 |
| Loan loss allowance to noncurrent loans | 516.3611% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,655 |
| Noncurrent loans to loans | 0.1098% | 3,544 |
| Net loans and leases to total assets | 60.5065% | 2,195 |
| Net loans and leases to deposits | 84.5754% | 926 |
| Net loans and leases to core deposits | 90.8738% | 989 |
| Total domestic deposits to total assets | 71.5414% | 4,695 |
| Equity capital to assets | 12.2829% | 1,271 |
| Core capital (leverage) ratio | 9.4052% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $752,266,000 | 1,231 |
| Average earning assets | $718,837,500 | 1,206 |
| Average equity | $82,197,500 | 1,195 |
| Average total loans | $427,465,000 | 1,331 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 3,104 |
| Cost of funding earning assets | 0.6282% | 645 |
| Net interest margin | 2.7955% | 3,797 |
| Noninterest income to average assets | 0.7132% | 1,757 |
| Noninterest expense to average assets | 3.8288% | 328 |
| Loan and lease loss provision to assets | 0.0250% | 2,472 |
| Net operating income to assets | -0.4421% | 4,863 |
| Return on assets (ROA) | -0.4522% | 4,866 |
| Pretax return on assets | -0.4692% | 4,864 |
| Return on Equity (ROE) | -4.4390% | 4,873 |
| Retained earnings to average equity (ytd only) | -6.6464% | 4,820 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6243% | 99 |
| Assets per employee ($millions) | 11.1908% | 440 |
| Cash dividends to net income (ytd only)* | -49.7275% | 4,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5333% | 4,715 |
| Loan loss allowance to noncurrent loans | 130.7937% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 2,725 |
| Noncurrent loans to loans | 0.4078% | 2,457 |
| Net loans and leases to total assets | 59.0652% | 2,534 |
| Net loans and leases to deposits | 85.6558% | 939 |
| Net loans and leases to core deposits | 89.2551% | 1,187 |
| Total domestic deposits to total assets | 68.9565% | 4,780 |
| Equity capital to assets | 12.5253% | 1,120 |
| Core capital (leverage) ratio | 10.0998% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $649,231,000 | 1,370 |
| Average earning assets | $622,778,000 | 1,339 |
| Average equity | $66,141,000 | 1,414 |
| Average total loans | $354,667,000 | 1,541 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4529% | 4,682 |
| Cost of funding earning assets | 0.3233% | 2,769 |
| Net interest margin | 2.1296% | 4,661 |
| Noninterest income to average assets | 0.1658% | 4,371 |
| Noninterest expense to average assets | 3.0255% | 955 |
| Loan and lease loss provision to assets | 0.0750% | 1,687 |
| Net operating income to assets | -0.6736% | 4,911 |
| Return on assets (ROA) | -0.5795% | 4,900 |
| Pretax return on assets | -0.7365% | 4,909 |
| Return on Equity (ROE) | -7.7218% | 4,925 |
| Retained earnings to average equity (ytd only) | -8.0744% | 4,781 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.7211% | 42 |
| Assets per employee ($millions) | 11.4818% | 390 |
| Cash dividends to net income (ytd only)* | -4.5662% | 4,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,005 |
| Loan loss allowance to noncurrent loans | 217.1486% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 3,090 |
| Noncurrent loans to loans | 0.4396% | 2,540 |
| Net loans and leases to total assets | 48.0043% | 3,820 |
| Net loans and leases to deposits | 63.3290% | 3,185 |
| Net loans and leases to core deposits | 86.1964% | 1,506 |
| Total domestic deposits to total assets | 75.8014% | 4,591 |
| Equity capital to assets | 6.9667% | 4,854 |
| Core capital (leverage) ratio | 7.5590% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $453,474,000 | 1,833 |
| Average earning assets | $442,896,000 | 1,769 |
| Average equity | $34,033,500 | 2,346 |
| Average total loans | $222,993,500 | 2,133 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9792% | 4,647 |
| Cost of funding earning assets | 0.4707% | 3,147 |
| Net interest margin | 2.5085% | 4,581 |
| Noninterest income to average assets | 0.2535% | 3,966 |
| Noninterest expense to average assets | 2.6098% | 2,519 |
| Loan and lease loss provision to assets | 0.0296% | 4,028 |
| Net operating income to assets | 0.0243% | 4,714 |
| Return on assets (ROA) | 0.1810% | 4,652 |
| Pretax return on assets | 0.2530% | 4,602 |
| Return on Equity (ROE) | 1.9885% | 4,564 |
| Retained earnings to average equity (ytd only) | 1.6457% | 3,977 |
| Net charge-offs to loans | 0.0692% | 1,801 |
| Credit loss provision to net charge-offs | 89.0625% | 2,935 |
| Earnings coverage of net charge-offs (x) | 2.3516% | 3,172 |
| Efficiency ratio | 97.0884% | 218 |
| Assets per employee ($millions) | 10.3686% | 474 |
| Cash dividends to net income (ytd only)* | 17.2414% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 3,999 |
| Loan loss allowance to noncurrent loans | 73.5935% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 1,606 |
| Noncurrent loans to loans | 1.3056% | 1,045 |
| Net loans and leases to total assets | 49.5392% | 3,859 |
| Net loans and leases to deposits | 64.7895% | 3,378 |
| Net loans and leases to core deposits | 85.8520% | 1,881 |
| Total domestic deposits to total assets | 76.4619% | 4,472 |
| Equity capital to assets | 8.1012% | 4,665 |
| Core capital (leverage) ratio | 8.3572% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,585,800 | 1,910 |
| Average earning assets | $373,252,600 | 1,859 |
| Average equity | $35,000,800 | 2,236 |
| Average total loans | $184,863,200 | 2,373 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9897% | 4,742 |
| Cost of funding earning assets | 0.4888% | 3,295 |
| Net interest margin | 2.5008% | 4,658 |
| Noninterest income to average assets | 0.2818% | 3,798 |
| Noninterest expense to average assets | 2.5672% | 2,640 |
| Loan and lease loss provision to assets | 0.2073% | 1,938 |
| Net operating income to assets | -0.0637% | 4,796 |
| Return on assets (ROA) | 0.1018% | 4,726 |
| Pretax return on assets | 0.1445% | 4,696 |
| Return on Equity (ROE) | 1.0840% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.7405% | 4,325 |
| Net charge-offs to loans | 0.0974% | 1,333 |
| Credit loss provision to net charge-offs | 448.0620% | 1,368 |
| Earnings coverage of net charge-offs (x) | 2.9380% | 2,947 |
| Efficiency ratio | 94.9728% | 243 |
| Assets per employee ($millions) | 9.3909% | 619 |
| Cash dividends to net income (ytd only)* | 31.6901% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,630 |
| Loan loss allowance to noncurrent loans | 73.6675% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 1,316 |
| Noncurrent loans to loans | 1.6374% | 854 |
| Net loans and leases to total assets | 53.0987% | 3,882 |
| Net loans and leases to deposits | 69.0251% | 3,392 |
| Net loans and leases to core deposits | 93.0003% | 1,709 |
| Total domestic deposits to total assets | 76.9268% | 4,333 |
| Equity capital to assets | 8.9098% | 4,178 |
| Core capital (leverage) ratio | 8.8226% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,862,000 | 1,935 |
| Average earning assets | $360,032,000 | 1,886 |
| Average equity | $34,931,250 | 2,227 |
| Average total loans | $176,622,250 | 2,434 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0241% | 4,829 |
| Cost of funding earning assets | 0.5307% | 3,347 |
| Net interest margin | 2.4934% | 4,741 |
| Noninterest income to average assets | 0.4726% | 2,696 |
| Noninterest expense to average assets | 2.4790% | 3,023 |
| Loan and lease loss provision to assets | 0.1905% | 2,121 |
| Net operating income to assets | 0.1592% | 4,622 |
| Return on assets (ROA) | 0.1422% | 4,674 |
| Pretax return on assets | 0.2004% | 4,631 |
| Return on Equity (ROE) | 1.4859% | 4,621 |
| Retained earnings to average equity (ytd only) | 1.1417% | 4,062 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8718% | 541 |
| Assets per employee ($millions) | 9.4148% | 602 |
| Cash dividends to net income (ytd only)* | 23.1660% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,550 |
| Loan loss allowance to noncurrent loans | 66.7120% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0022% | 1,200 |
| Noncurrent loans to loans | 1.7899% | 786 |
| Net loans and leases to total assets | 55.3267% | 3,745 |
| Net loans and leases to deposits | 70.7038% | 3,369 |
| Net loans and leases to core deposits | 97.9262% | 1,416 |
| Total domestic deposits to total assets | 78.2514% | 4,152 |
| Equity capital to assets | 9.7125% | 3,459 |
| Core capital (leverage) ratio | 9.1658% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,343,333 | 1,942 |
| Average earning assets | $352,770,333 | 1,888 |
| Average equity | $34,861,000 | 2,212 |
| Average total loans | $164,833,667 | 2,520 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1483% | 4,893 |
| Cost of funding earning assets | 0.6169% | 3,350 |
| Net interest margin | 2.5314% | 4,808 |
| Noninterest income to average assets | 0.2500% | 4,050 |
| Noninterest expense to average assets | 2.7739% | 2,502 |
| Loan and lease loss provision to assets | 0.1354% | 2,031 |
| Net operating income to assets | -0.1443% | 4,822 |
| Return on assets (ROA) | -0.1916% | 4,821 |
| Pretax return on assets | -0.2621% | 4,836 |
| Return on Equity (ROE) | -2.0143% | 4,839 |
| Retained earnings to average equity (ytd only) | -2.3616% | 4,291 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9424% | 205 |
| Assets per employee ($millions) | 9.0086% | 532 |
| Cash dividends to net income (ytd only)* | -17.2414% | 5,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,325 |
| Loan loss allowance to noncurrent loans | 107.9380% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 2,282 |
| Noncurrent loans to loans | 1.3932% | 1,151 |
| Net loans and leases to total assets | 40.5350% | 4,648 |
| Net loans and leases to deposits | 53.8510% | 4,452 |
| Net loans and leases to core deposits | 76.9574% | 3,434 |
| Total domestic deposits to total assets | 75.2726% | 4,560 |
| Equity capital to assets | 9.6979% | 4,044 |
| Core capital (leverage) ratio | 8.8841% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0856% | 973 |
| Memoranda: | ||
| Average total assets | $363,249,500 | 1,911 |
| Average earning assets | $350,796,500 | 1,850 |
| Average equity | $34,553,500 | 2,219 |
| Average total loans | $144,418,000 | 2,687 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 4,909 |
| Cost of funding earning assets | 0.5415% | 3,917 |
| Net interest margin | 2.8758% | 4,680 |
| Noninterest income to average assets | 0.5853% | 2,297 |
| Noninterest expense to average assets | 2.6748% | 2,958 |
| Loan and lease loss provision to assets | -0.0125% | 4,941 |
| Net operating income to assets | 0.5086% | 4,389 |
| Return on assets (ROA) | 0.4427% | 4,549 |
| Pretax return on assets | 0.6187% | 4,382 |
| Return on Equity (ROE) | 4.9694% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.6042% | 2,648 |
| Net charge-offs to loans | 0.0222% | 2,971 |
| Credit loss provision to net charge-offs | -153.3333% | 4,264 |
| Earnings coverage of net charge-offs (x) | 82.6333% | 774 |
| Efficiency ratio | 79.9190% | 951 |
| Assets per employee ($millions) | 9.1539% | 478 |
| Cash dividends to net income (ytd only)* | 7.3484% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,234 |
| Loan loss allowance to noncurrent loans | 100.2854% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,168 |
| Noncurrent loans to loans | 1.4957% | 969 |
| Net loans and leases to total assets | 37.8070% | 4,802 |
| Net loans and leases to deposits | 49.5015% | 4,701 |
| Net loans and leases to core deposits | 68.9042% | 4,029 |
| Total domestic deposits to total assets | 76.3755% | 4,562 |
| Equity capital to assets | 9.3297% | 4,474 |
| Core capital (leverage) ratio | 9.0184% | 4,520 |
| Tier 1 risk-based capital ratio | 18.7029% | 1,590 |
| Total risk-based capital ratio | 19.9265% | 1,562 |
| Memoranda: | ||
| Average total assets | $368,851,000 | 1,850 |
| Average earning assets | $354,194,400 | 1,801 |
| Average equity | $32,861,000 | 2,245 |
| Average total loans | $135,358,600 | 2,772 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4804% | 4,971 |
| Cost of funding earning assets | 0.5327% | 4,006 |
| Net interest margin | 2.9476% | 4,699 |
| Noninterest income to average assets | 0.6183% | 2,114 |
| Noninterest expense to average assets | 2.7845% | 2,606 |
| Loan and lease loss provision to assets | 0.0148% | 3,611 |
| Net operating income to assets | 0.4822% | 4,563 |
| Return on assets (ROA) | 0.4097% | 4,733 |
| Pretax return on assets | 0.5725% | 4,591 |
| Return on Equity (ROE) | 4.6724% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.3019% | 3,246 |
| Net charge-offs to loans | 0.0298% | 2,479 |
| Credit loss provision to net charge-offs | 136.6667% | 1,752 |
| Earnings coverage of net charge-offs (x) | 60.9318% | 1,042 |
| Efficiency ratio | 80.8426% | 849 |
| Assets per employee ($millions) | 8.7092% | 532 |
| Cash dividends to net income (ytd only)* | 7.9297% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 996 |
| Loan loss allowance to noncurrent loans | 135.4102% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 2,664 |
| Noncurrent loans to loans | 1.1819% | 1,330 |
| Net loans and leases to total assets | 38.7410% | 4,858 |
| Net loans and leases to deposits | 49.6765% | 4,782 |
| Net loans and leases to core deposits | 53.9974% | 4,743 |
| Total domestic deposits to total assets | 77.9867% | 4,354 |
| Equity capital to assets | 9.5147% | 4,437 |
| Core capital (leverage) ratio | 9.2933% | 4,375 |
| Tier 1 risk-based capital ratio | 18.7410% | 1,626 |
| Total risk-based capital ratio | 19.9917% | 1,593 |
| Memoranda: | ||
| Average total assets | $369,371,000 | 1,861 |
| Average earning assets | $354,131,250 | 1,811 |
| Average equity | $32,388,000 | 2,291 |
| Average total loans | $134,063,250 | 2,815 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 5,058 |
| Cost of funding earning assets | 0.5267% | 4,001 |
| Net interest margin | 2.9080% | 4,815 |
| Noninterest income to average assets | 0.5897% | 2,202 |
| Noninterest expense to average assets | 2.8135% | 2,537 |
| Loan and lease loss provision to assets | -0.0180% | 5,136 |
| Net operating income to assets | 0.4384% | 4,659 |
| Return on assets (ROA) | 0.3577% | 4,811 |
| Pretax return on assets | 0.5063% | 4,689 |
| Return on Equity (ROE) | 4.1952% | 4,541 |
| Retained earnings to average equity (ytd only) | 3.8217% | 3,336 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1790% | 716 |
| Assets per employee ($millions) | 8.7380% | 522 |
| Cash dividends to net income (ytd only)* | 8.9021% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 1,017 |
| Loan loss allowance to noncurrent loans | 130.2241% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0725% | 1,273 |
| Noncurrent loans to loans | 1.2323% | 1,294 |
| Net loans and leases to total assets | 35.9205% | 4,980 |
| Net loans and leases to deposits | 46.0258% | 4,900 |
| Net loans and leases to core deposits | 58.7789% | 4,616 |
| Total domestic deposits to total assets | 78.0442% | 4,387 |
| Equity capital to assets | 9.0115% | 4,789 |
| Core capital (leverage) ratio | 8.5518% | 4,943 |
| Tier 1 risk-based capital ratio | 18.1080% | 1,778 |
| Total risk-based capital ratio | 19.3581% | 1,733 |
| Memoranda: | ||
| Average total assets | $376,823,330 | 1,839 |
| Average earning assets | $361,903,000 | 1,795 |
| Average equity | $32,132,000 | 2,293 |
| Average total loans | $133,032,330 | 2,835 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3785% | 5,130 |
| Cost of funding earning assets | 0.5238% | 3,952 |
| Net interest margin | 2.8547% | 4,931 |
| Noninterest income to average assets | 0.8732% | 1,108 |
| Noninterest expense to average assets | 3.0347% | 1,893 |
| Loan and lease loss provision to assets | -0.1143% | 5,299 |
| Net operating income to assets | 0.5346% | 4,426 |
| Return on assets (ROA) | 0.4256% | 4,687 |
| Pretax return on assets | 0.5975% | 4,518 |
| Return on Equity (ROE) | 5.1465% | 4,283 |
| Retained earnings to average equity (ytd only) | 4.5127% | 3,119 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6705% | 736 |
| Assets per employee ($millions) | 9.9020% | 351 |
| Cash dividends to net income (ytd only)* | 12.3153% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 1,192 |
| Loan loss allowance to noncurrent loans | 1,787.9310% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 2,255 |
| Noncurrent loans to loans | 0.0865% | 4,365 |
| Net loans and leases to total assets | 33.3460% | 5,089 |
| Net loans and leases to deposits | 42.2523% | 5,034 |
| Net loans and leases to core deposits | 63.5857% | 4,405 |
| Total domestic deposits to total assets | 78.9212% | 4,366 |
| Equity capital to assets | 8.1107% | 5,148 |
| Core capital (leverage) ratio | 8.5074% | 5,007 |
| Tier 1 risk-based capital ratio | 16.8136% | 2,167 |
| Total risk-based capital ratio | 17.9508% | 2,153 |
| Memoranda: | ||
| Average total assets | $381,590,500 | 1,830 |
| Average earning assets | $368,091,500 | 1,778 |
| Average equity | $31,555,500 | 2,328 |
| Average total loans | $132,560,000 | 2,877 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 5,048 |
| Cost of funding earning assets | 0.5716% | 2,911 |
| Net interest margin | 2.7765% | 5,042 |
| Noninterest income to average assets | 0.6065% | 2,255 |
| Noninterest expense to average assets | 2.6547% | 3,168 |
| Loan and lease loss provision to assets | -0.0178% | 5,129 |
| Net operating income to assets | 0.4943% | 4,672 |
| Return on assets (ROA) | 0.3208% | 4,975 |
| Pretax return on assets | 0.4560% | 4,866 |
| Return on Equity (ROE) | 3.4278% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.0285% | 3,884 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2721% | 865 |
| Assets per employee ($millions) | 8.9369% | 480 |
| Cash dividends to net income (ytd only)* | 11.6505% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 886 |
| Loan loss allowance to noncurrent loans | 1,408.3871% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 2,057 |
| Noncurrent loans to loans | 0.1183% | 4,195 |
| Net loans and leases to total assets | 35.1479% | 5,094 |
| Net loans and leases to deposits | 44.6062% | 5,016 |
| Net loans and leases to core deposits | 68.6767% | 4,199 |
| Total domestic deposits to total assets | 78.7960% | 4,349 |
| Equity capital to assets | 8.4566% | 4,961 |
| Core capital (leverage) ratio | 10.3726% | 3,169 |
| Tier 1 risk-based capital ratio | 18.1998% | 1,695 |
| Total risk-based capital ratio | 19.4513% | 1,647 |
| Memoranda: | ||
| Average total assets | $321,047,200 | 2,038 |
| Average earning assets | $307,583,200 | 1,983 |
| Average equity | $30,048,200 | 2,332 |
| Average total loans | $127,081,800 | 2,911 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3185% | 5,109 |
| Cost of funding earning assets | 0.5647% | 2,741 |
| Net interest margin | 2.7538% | 5,127 |
| Noninterest income to average assets | 0.7667% | 1,593 |
| Noninterest expense to average assets | 3.2241% | 1,471 |
| Loan and lease loss provision to assets | -0.0340% | 5,266 |
| Net operating income to assets | 0.1825% | 5,202 |
| Return on assets (ROA) | 0.0517% | 5,270 |
| Pretax return on assets | 0.0805% | 5,257 |
| Return on Equity (ROE) | 0.5367% | 5,265 |
| Retained earnings to average equity (ytd only) | 0.1342% | 5,013 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7855% | 229 |
| Assets per employee ($millions) | 7.6483% | 728 |
| Cash dividends to net income (ytd only)* | 75.0000% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 940 |
| Loan loss allowance to noncurrent loans | 94.1228% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 893 |
| Noncurrent loans to loans | 1.7680% | 875 |
| Net loans and leases to total assets | 40.7428% | 5,008 |
| Net loans and leases to deposits | 53.8065% | 4,828 |
| Net loans and leases to core deposits | 90.4484% | 2,622 |
| Total domestic deposits to total assets | 75.7209% | 4,819 |
| Equity capital to assets | 9.4004% | 4,177 |
| Core capital (leverage) ratio | 9.8957% | 3,749 |
| Tier 1 risk-based capital ratio | 18.5244% | 1,658 |
| Total risk-based capital ratio | 19.7749% | 1,618 |
| Memoranda: | ||
| Average total assets | $309,706,000 | 2,105 |
| Average earning assets | $296,312,000 | 2,051 |
| Average equity | $29,813,750 | 2,352 |
| Average total loans | $126,110,000 | 2,954 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2622% | 5,176 |
| Cost of funding earning assets | 0.5434% | 2,667 |
| Net interest margin | 2.7188% | 5,202 |
| Noninterest income to average assets | 0.6731% | 1,986 |
| Noninterest expense to average assets | 3.2554% | 1,423 |
| Loan and lease loss provision to assets | -0.0195% | 5,323 |
| Net operating income to assets | 0.0480% | 5,320 |
| Return on assets (ROA) | -0.0506% | 5,355 |
| Pretax return on assets | -0.0623% | 5,361 |
| Return on Equity (ROE) | -0.5213% | 5,360 |
| Retained earnings to average equity (ytd only) | -0.9223% | 5,062 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4847% | 180 |
| Assets per employee ($millions) | 7.6878% | 710 |
| Cash dividends to net income (ytd only)* | -76.9231% | 5,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 803 |
| Loan loss allowance to noncurrent loans | 94.7707% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.5017% | 887 |
| Noncurrent loans to loans | 1.8627% | 827 |
| Net loans and leases to total assets | 40.0098% | 5,054 |
| Net loans and leases to deposits | 50.2192% | 4,976 |
| Net loans and leases to core deposits | 82.2251% | 3,224 |
| Total domestic deposits to total assets | 79.6704% | 4,314 |
| Equity capital to assets | 9.5967% | 4,005 |
| Core capital (leverage) ratio | 9.7927% | 3,797 |
| Tier 1 risk-based capital ratio | 18.8469% | 1,592 |
| Total risk-based capital ratio | 20.0993% | 1,548 |
| Memoranda: | ||
| Average total assets | $308,414,000 | 2,130 |
| Average earning assets | $294,831,670 | 2,073 |
| Average equity | $29,925,670 | 2,354 |
| Average total loans | $124,838,670 | 2,985 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1404% | 5,283 |
| Cost of funding earning assets | 0.5040% | 2,764 |
| Net interest margin | 2.6364% | 5,299 |
| Noninterest income to average assets | 0.9920% | 924 |
| Noninterest expense to average assets | 3.2804% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2163% | 5,223 |
| Return on assets (ROA) | 0.0389% | 5,359 |
| Pretax return on assets | 0.0544% | 5,353 |
| Return on Equity (ROE) | 0.3982% | 5,358 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,803 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3997% | 320 |
| Assets per employee ($millions) | 7.3417% | 833 |
| Cash dividends to net income (ytd only)* | 100.0000% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 799 |
| Loan loss allowance to noncurrent loans | 94.3555% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 919 |
| Noncurrent loans to loans | 1.8990% | 862 |
| Net loans and leases to total assets | 39.8158% | 5,075 |
| Net loans and leases to deposits | 49.4887% | 4,982 |
| Net loans and leases to core deposits | 77.0455% | 3,572 |
| Total domestic deposits to total assets | 80.4544% | 4,331 |
| Equity capital to assets | 9.6634% | 3,926 |
| Core capital (leverage) ratio | 10.0276% | 3,502 |
| Tier 1 risk-based capital ratio | 19.0292% | 1,542 |
| Total risk-based capital ratio | 20.2821% | 1,508 |
| Memoranda: | ||
| Average total assets | $308,865,000 | 2,148 |
| Average earning assets | $295,250,500 | 2,091 |
| Average equity | $30,133,000 | 2,357 |
| Average total loans | $124,635,000 | 3,005 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2423% | 5,141 |
| Cost of funding earning assets | 0.4357% | 2,907 |
| Net interest margin | 2.8067% | 5,160 |
| Noninterest income to average assets | 1.7066% | 375 |
| Noninterest expense to average assets | 3.7025% | 787 |
| Loan and lease loss provision to assets | -0.2978% | 5,613 |
| Net operating income to assets | 0.5723% | 4,136 |
| Return on assets (ROA) | 0.3039% | 4,935 |
| Pretax return on assets | 0.7258% | 4,447 |
| Return on Equity (ROE) | 2.8447% | 4,879 |
| Retained earnings to average equity (ytd only) | 2.6920% | 3,703 |
| Net charge-offs to loans | -0.0789% | 5,311 |
| Credit loss provision to net charge-offs | 840.0000% | 415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2436% | 747 |
| Assets per employee ($millions) | 7.5459% | 749 |
| Cash dividends to net income (ytd only)* | 5.3676% | 4,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 775 |
| Loan loss allowance to noncurrent loans | 82.3227% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.6181% | 819 |
| Noncurrent loans to loans | 2.1898% | 667 |
| Net loans and leases to total assets | 39.4395% | 5,151 |
| Net loans and leases to deposits | 47.9160% | 5,128 |
| Net loans and leases to core deposits | 70.5123% | 4,140 |
| Total domestic deposits to total assets | 82.3098% | 3,782 |
| Equity capital to assets | 9.8484% | 3,870 |
| Core capital (leverage) ratio | 10.4364% | 2,918 |
| Tier 1 risk-based capital ratio | 19.4613% | 1,419 |
| Total risk-based capital ratio | 20.7149% | 1,393 |
| Memoranda: | ||
| Average total assets | $282,023,600 | 2,279 |
| Average earning assets | $270,144,000 | 2,206 |
| Average equity | $30,126,200 | 2,349 |
| Average total loans | $126,720,600 | 2,970 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2584% | 5,161 |
| Cost of funding earning assets | 0.4306% | 2,882 |
| Net interest margin | 2.8279% | 5,182 |
| Noninterest income to average assets | 1.2181% | 706 |
| Noninterest expense to average assets | 3.6382% | 829 |
| Loan and lease loss provision to assets | -0.2665% | 5,685 |
| Net operating income to assets | 0.4256% | 4,943 |
| Return on assets (ROA) | 0.2030% | 5,363 |
| Pretax return on assets | 0.3387% | 5,277 |
| Return on Equity (ROE) | 1.8597% | 5,329 |
| Retained earnings to average equity (ytd only) | 1.7887% | 4,710 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5894% | 328 |
| Assets per employee ($millions) | 7.2179% | 862 |
| Cash dividends to net income (ytd only)* | 3.8181% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0473% | 523 |
| Loan loss allowance to noncurrent loans | 45.5141% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.8041% | 766 |
| Noncurrent loans to loans | 4.4982% | 196 |
| Net loans and leases to total assets | 39.2866% | 5,220 |
| Net loans and leases to deposits | 48.7998% | 5,165 |
| Net loans and leases to core deposits | 68.3564% | 4,343 |
| Total domestic deposits to total assets | 80.5057% | 4,207 |
| Equity capital to assets | 10.2932% | 3,594 |
| Core capital (leverage) ratio | 10.4714% | 3,020 |
| Tier 1 risk-based capital ratio | 20.1067% | 1,341 |
| Total risk-based capital ratio | 21.3620% | 1,312 |
| Memoranda: | ||
| Average total assets | $275,184,500 | 2,329 |
| Average earning assets | $263,841,000 | 2,274 |
| Average equity | $30,040,500 | 2,374 |
| Average total loans | $127,336,250 | 2,976 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 5,028 |
| Cost of funding earning assets | 0.4262% | 2,837 |
| Net interest margin | 2.9287% | 5,042 |
| Noninterest income to average assets | 1.6536% | 417 |
| Noninterest expense to average assets | 3.8767% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4742% | 4,774 |
| Return on assets (ROA) | 0.1581% | 5,447 |
| Pretax return on assets | 0.2632% | 5,376 |
| Return on Equity (ROE) | 1.4180% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.4180% | 4,681 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0002% | 607 |
| Assets per employee ($millions) | 7.0126% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4366% | 301 |
| Loan loss allowance to noncurrent loans | 57.5068% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.8023% | 766 |
| Noncurrent loans to loans | 4.2370% | 210 |
| Net loans and leases to total assets | 41.5018% | 5,168 |
| Net loans and leases to deposits | 50.2612% | 5,127 |
| Net loans and leases to core deposits | 73.1255% | 4,012 |
| Total domestic deposits to total assets | 82.5724% | 3,693 |
| Equity capital to assets | 10.5198% | 3,313 |
| Core capital (leverage) ratio | 11.0869% | 2,325 |
| Tier 1 risk-based capital ratio | 20.1074% | 1,350 |
| Total risk-based capital ratio | 21.3673% | 1,313 |
| Memoranda: | ||
| Average total assets | $268,268,330 | 2,382 |
| Average earning assets | $256,700,670 | 2,329 |
| Average equity | $29,900,330 | 2,379 |
| Average total loans | $130,217,670 | 2,945 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5247% | 4,625 |
| Cost of funding earning assets | 0.4282% | 2,738 |
| Net interest margin | 3.0965% | 4,656 |
| Noninterest income to average assets | 0.4825% | 3,092 |
| Noninterest expense to average assets | 3.6575% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0866% | 5,641 |
| Return on assets (ROA) | -0.1980% | 5,678 |
| Pretax return on assets | -0.3340% | 5,692 |
| Return on Equity (ROE) | -1.7223% | 5,676 |
| Retained earnings to average equity (ytd only) | -1.7223% | 5,148 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4836% | 158 |
| Assets per employee ($millions) | 6.2227% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2323% | 453 |
| Loan loss allowance to noncurrent loans | 56.0361% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.0844% | 626 |
| Noncurrent loans to loans | 3.9837% | 260 |
| Net loans and leases to total assets | 51.1565% | 4,581 |
| Net loans and leases to deposits | 65.8266% | 4,188 |
| Net loans and leases to core deposits | 94.6104% | 1,921 |
| Total domestic deposits to total assets | 77.7140% | 5,006 |
| Equity capital to assets | 11.6373% | 2,087 |
| Core capital (leverage) ratio | 11.5110% | 1,936 |
| Tier 1 risk-based capital ratio | 19.3468% | 1,527 |
| Total risk-based capital ratio | 20.6068% | 1,500 |
| Memoranda: | ||
| Average total assets | $258,645,000 | 2,472 |
| Average earning assets | $246,602,500 | 2,423 |
| Average equity | $29,727,500 | 2,402 |
| Average total loans | $134,174,500 | 2,900 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 2,440 |
| Cost of funding earning assets | 0.4289% | 2,715 |
| Net interest margin | 3.7861% | 2,367 |
| Noninterest income to average assets | 1.3732% | 608 |
| Noninterest expense to average assets | 3.9568% | 640 |
| Loan and lease loss provision to assets | -0.6152% | 5,890 |
| Net operating income to assets | 1.0868% | 1,949 |
| Return on assets (ROA) | 0.8195% | 3,312 |
| Pretax return on assets | 1.3791% | 2,017 |
| Return on Equity (ROE) | 6.1710% | 3,891 |
| Retained earnings to average equity (ytd only) | -10.7939% | 5,792 |
| Net charge-offs to loans | 0.0187% | 3,686 |
| Credit loss provision to net charge-offs | -5,535.7143% | 5,462 |
| Earnings coverage of net charge-offs (x) | 92.5357% | 643 |
| Efficiency ratio | 79.3727% | 1,499 |
| Assets per employee ($millions) | 6.7221% | 1,043 |
| Cash dividends to net income (ytd only)* | 274.9153% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2098% | 460 |
| Loan loss allowance to noncurrent loans | 54.8803% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.0712% | 644 |
| Noncurrent loans to loans | 4.0266% | 256 |
| Net loans and leases to total assets | 50.3027% | 4,746 |
| Net loans and leases to deposits | 63.1735% | 4,464 |
| Net loans and leases to core deposits | 94.2563% | 2,081 |
| Total domestic deposits to total assets | 79.6263% | 4,652 |
| Equity capital to assets | 11.3537% | 2,290 |
| Core capital (leverage) ratio | 11.6544% | 1,825 |
| Tier 1 risk-based capital ratio | 18.6897% | 1,678 |
| Total risk-based capital ratio | 19.9492% | 1,645 |
| Memoranda: | ||
| Average total assets | $251,969,400 | 2,489 |
| Average earning assets | $240,380,400 | 2,429 |
| Average equity | $33,463,200 | 2,156 |
| Average total loans | $149,626,400 | 2,649 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 3,013 |
| Cost of funding earning assets | 0.4331% | 2,703 |
| Net interest margin | 3.6240% | 2,991 |
| Noninterest income to average assets | 1.3866% | 618 |
| Noninterest expense to average assets | 3.9637% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6303% | 4,164 |
| Return on assets (ROA) | 0.3710% | 5,196 |
| Pretax return on assets | 0.6244% | 4,813 |
| Return on Equity (ROE) | 2.6908% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.3535% | 4,505 |
| Net charge-offs to loans | 0.2635% | 886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.4357% | 3,128 |
| Efficiency ratio | 81.8252% | 1,213 |
| Assets per employee ($millions) | 6.2650% | 1,257 |
| Cash dividends to net income (ytd only)* | 12.5363% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0972% | 168 |
| Loan loss allowance to noncurrent loans | 46.4013% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.5700% | 272 |
| Noncurrent loans to loans | 6.6748% | 95 |
| Net loans and leases to total assets | 51.8278% | 4,670 |
| Net loans and leases to deposits | 68.9293% | 4,073 |
| Net loans and leases to core deposits | 103.6403% | 1,371 |
| Total domestic deposits to total assets | 75.1898% | 5,319 |
| Equity capital to assets | 13.5506% | 1,226 |
| Core capital (leverage) ratio | 13.7551% | 928 |
| Tier 1 risk-based capital ratio | 21.4441% | 1,200 |
| Total risk-based capital ratio | 22.7133% | 1,183 |
| Memoranda: | ||
| Average total assets | $249,421,500 | 2,516 |
| Average earning assets | $237,963,500 | 2,451 |
| Average equity | $34,387,750 | 2,127 |
| Average total loans | $153,319,500 | 2,602 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3174% | 2,100 |
| Cost of funding earning assets | 0.4436% | 2,626 |
| Net interest margin | 3.8739% | 2,068 |
| Noninterest income to average assets | 1.2748% | 702 |
| Noninterest expense to average assets | 4.0026% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6628% | 3,985 |
| Return on assets (ROA) | 0.4430% | 4,980 |
| Pretax return on assets | 0.7451% | 4,473 |
| Return on Equity (ROE) | 3.1943% | 5,186 |
| Retained earnings to average equity (ytd only) | 2.8556% | 4,085 |
| Net charge-offs to loans | 0.3228% | 733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.6523% | 2,966 |
| Efficiency ratio | 80.5805% | 1,434 |
| Assets per employee ($millions) | 5.3918% | 1,895 |
| Cash dividends to net income (ytd only)* | 10.6033% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8953% | 224 |
| Loan loss allowance to noncurrent loans | 51.7752% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 3.5838% | 287 |
| Noncurrent loans to loans | 5.5921% | 138 |
| Net loans and leases to total assets | 62.2323% | 3,598 |
| Net loans and leases to deposits | 80.8675% | 2,833 |
| Net loans and leases to core deposits | 117.6956% | 586 |
| Total domestic deposits to total assets | 76.9558% | 5,164 |
| Equity capital to assets | 14.9944% | 729 |
| Core capital (leverage) ratio | 14.1406% | 787 |
| Tier 1 risk-based capital ratio | 20.9163% | 1,278 |
| Total risk-based capital ratio | 22.1853% | 1,263 |
| Memoranda: | ||
| Average total assets | $246,940,000 | 2,560 |
| Average earning assets | $235,372,000 | 2,491 |
| Average equity | $34,248,000 | 2,135 |
| Average total loans | $158,631,670 | 2,550 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 2,462 |
| Cost of funding earning assets | 0.4397% | 2,686 |
| Net interest margin | 3.7628% | 2,431 |
| Noninterest income to average assets | 1.3344% | 617 |
| Noninterest expense to average assets | 3.7456% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8000% | 3,252 |
| Return on assets (ROA) | 0.5564% | 4,490 |
| Pretax return on assets | 0.9368% | 3,705 |
| Return on Equity (ROE) | 4.1659% | 4,832 |
| Retained earnings to average equity (ytd only) | 3.8247% | 3,583 |
| Net charge-offs to loans | 0.6257% | 355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.9336% | 2,612 |
| Efficiency ratio | 76.0370% | 2,173 |
| Assets per employee ($millions) | 6.6310% | 1,041 |
| Cash dividends to net income (ytd only)* | 8.1921% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6769% | 324 |
| Loan loss allowance to noncurrent loans | 40.1381% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 4.2536% | 220 |
| Noncurrent loans to loans | 6.6692% | 113 |
| Net loans and leases to total assets | 62.0723% | 3,514 |
| Net loans and leases to deposits | 83.3638% | 2,382 |
| Net loans and leases to core deposits | 120.2861% | 457 |
| Total domestic deposits to total assets | 74.4596% | 5,572 |
| Equity capital to assets | 13.6227% | 1,128 |
| Core capital (leverage) ratio | 14.0358% | 803 |
| Tier 1 risk-based capital ratio | 19.3463% | 1,645 |
| Total risk-based capital ratio | 20.6131% | 1,607 |
| Memoranda: | ||
| Average total assets | $254,487,000 | 2,505 |
| Average earning assets | $242,906,000 | 2,441 |
| Average equity | $33,990,000 | 2,146 |
| Average total loans | $163,655,000 | 2,484 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 2,590 |
| Cost of funding earning assets | 0.2530% | 4,750 |
| Net interest margin | 3.9385% | 1,903 |
| Noninterest income to average assets | 1.2856% | 728 |
| Noninterest expense to average assets | 3.7085% | 963 |
| Loan and lease loss provision to assets | 0.3588% | 400 |
| Net operating income to assets | 0.6612% | 3,988 |
| Return on assets (ROA) | 0.4767% | 4,863 |
| Pretax return on assets | 0.8015% | 4,180 |
| Return on Equity (ROE) | 3.5105% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.1607% | 3,804 |
| Net charge-offs to loans | 0.3585% | 824 |
| Credit loss provision to net charge-offs | 145.2736% | 1,823 |
| Earnings coverage of net charge-offs (x) | 5.3698% | 3,403 |
| Efficiency ratio | 73.6598% | 2,632 |
| Assets per employee ($millions) | 6.7631% | 978 |
| Cash dividends to net income (ytd only)* | 9.9656% | 4,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7365% | 306 |
| Loan loss allowance to noncurrent loans | 28.7326% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 6.1740% | 128 |
| Noncurrent loans to loans | 9.5240% | 50 |
| Net loans and leases to total assets | 63.0517% | 3,401 |
| Net loans and leases to deposits | 83.2487% | 2,452 |
| Net loans and leases to core deposits | 110.4544% | 828 |
| Total domestic deposits to total assets | 75.7390% | 5,473 |
| Equity capital to assets | 13.0951% | 1,305 |
| Core capital (leverage) ratio | 13.4879% | 973 |
| Tier 1 risk-based capital ratio | 18.6332% | 1,794 |
| Total risk-based capital ratio | 19.9017% | 1,745 |
| Memoranda: | ||
| Average total assets | $244,167,600 | 2,544 |
| Average earning assets | $232,424,400 | 2,488 |
| Average equity | $33,157,200 | 2,137 |
| Average total loans | $168,205,600 | 2,371 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 2,328 |
| Cost of funding earning assets | 0.2542% | 4,829 |
| Net interest margin | 4.0169% | 1,648 |
| Noninterest income to average assets | 0.6955% | 2,241 |
| Noninterest expense to average assets | 3.6979% | 978 |
| Loan and lease loss provision to assets | 0.4847% | 211 |
| Net operating income to assets | 0.2357% | 5,601 |
| Return on assets (ROA) | 0.1444% | 5,829 |
| Pretax return on assets | 0.2429% | 5,732 |
| Return on Equity (ROE) | 1.0535% | 5,848 |
| Retained earnings to average equity (ytd only) | 0.7023% | 5,406 |
| Net charge-offs to loans | 0.4523% | 557 |
| Credit loss provision to net charge-offs | 153.1469% | 1,649 |
| Earnings coverage of net charge-offs (x) | 2.5874% | 3,642 |
| Efficiency ratio | 81.8694% | 1,413 |
| Assets per employee ($millions) | 6.5688% | 1,043 |
| Cash dividends to net income (ytd only)* | 33.3343% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8548% | 283 |
| Loan loss allowance to noncurrent loans | 26.5794% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 6.9183% | 115 |
| Noncurrent loans to loans | 10.7406% | 35 |
| Net loans and leases to total assets | 62.5738% | 3,526 |
| Net loans and leases to deposits | 75.5841% | 3,354 |
| Net loans and leases to core deposits | 111.0793% | 810 |
| Total domestic deposits to total assets | 82.7870% | 3,886 |
| Equity capital to assets | 13.2965% | 1,311 |
| Core capital (leverage) ratio | 13.2184% | 1,125 |
| Tier 1 risk-based capital ratio | 18.4978% | 1,898 |
| Total risk-based capital ratio | 19.7686% | 1,859 |
| Memoranda: | ||
| Average total assets | $240,960,250 | 2,588 |
| Average earning assets | $229,227,750 | 2,534 |
| Average equity | $33,033,000 | 2,159 |
| Average total loans | $168,607,000 | 2,383 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 2,006 |
| Cost of funding earning assets | 0.2492% | 4,949 |
| Net interest margin | 4.1024% | 1,345 |
| Noninterest income to average assets | 0.8207% | 1,698 |
| Noninterest expense to average assets | 3.8542% | 809 |
| Loan and lease loss provision to assets | 0.5889% | 157 |
| Net operating income to assets | 0.2050% | 5,680 |
| Return on assets (ROA) | 0.1067% | 5,917 |
| Pretax return on assets | 0.1798% | 5,846 |
| Return on Equity (ROE) | 0.7701% | 5,930 |
| Retained earnings to average equity (ytd only) | 0.4184% | 5,376 |
| Net charge-offs to loans | 0.7172% | 315 |
| Credit loss provision to net charge-offs | 114.1694% | 1,875 |
| Earnings coverage of net charge-offs (x) | 1.6808% | 3,468 |
| Efficiency ratio | 81.6370% | 1,538 |
| Assets per employee ($millions) | 5.9474% | 1,400 |
| Cash dividends to net income (ytd only)* | 45.6693% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5740% | 446 |
| Loan loss allowance to noncurrent loans | 30.6003% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 6.0085% | 161 |
| Noncurrent loans to loans | 8.4118% | 74 |
| Net loans and leases to total assets | 69.5906% | 2,386 |
| Net loans and leases to deposits | 84.4956% | 2,253 |
| Net loans and leases to core deposits | 126.1633% | 333 |
| Total domestic deposits to total assets | 82.3600% | 4,165 |
| Equity capital to assets | 13.8648% | 1,028 |
| Core capital (leverage) ratio | 13.6175% | 953 |
| Tier 1 risk-based capital ratio | 17.8912% | 2,099 |
| Total risk-based capital ratio | 19.1601% | 2,048 |
| Memoranda: | ||
| Average total assets | $238,075,670 | 2,626 |
| Average earning assets | $226,357,670 | 2,574 |
| Average equity | $32,980,670 | 2,169 |
| Average total loans | $171,215,000 | 2,359 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 1,898 |
| Cost of funding earning assets | 0.2508% | 5,014 |
| Net interest margin | 4.1106% | 1,250 |
| Noninterest income to average assets | 0.5576% | 2,906 |
| Noninterest expense to average assets | 3.7100% | 1,001 |
| Loan and lease loss provision to assets | 0.3460% | 372 |
| Net operating income to assets | 0.3006% | 5,413 |
| Return on assets (ROA) | 0.1612% | 5,833 |
| Pretax return on assets | 0.2704% | 5,712 |
| Return on Equity (ROE) | 1.1644% | 5,881 |
| Retained earnings to average equity (ytd only) | 0.8126% | 5,131 |
| Net charge-offs to loans | 0.6214% | 393 |
| Credit loss provision to net charge-offs | 77.1536% | 1,856 |
| Earnings coverage of net charge-offs (x) | 1.6854% | 2,881 |
| Efficiency ratio | 83.0763% | 1,482 |
| Assets per employee ($millions) | 5.8922% | 1,473 |
| Cash dividends to net income (ytd only)* | 30.2083% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4412% | 577 |
| Loan loss allowance to noncurrent loans | 52.3220% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 3.4262% | 491 |
| Noncurrent loans to loans | 4.6657% | 317 |
| Net loans and leases to total assets | 71.6402% | 1,870 |
| Net loans and leases to deposits | 85.7217% | 1,866 |
| Net loans and leases to core deposits | 128.0281% | 268 |
| Total domestic deposits to total assets | 83.5731% | 3,983 |
| Equity capital to assets | 14.0382% | 975 |
| Core capital (leverage) ratio | 13.6924% | 903 |
| Tier 1 risk-based capital ratio | 17.7114% | 2,233 |
| Total risk-based capital ratio | 18.9795% | 2,191 |
| Memoranda: | ||
| Average total assets | $238,165,000 | 2,650 |
| Average earning assets | $226,440,500 | 2,589 |
| Average equity | $32,979,000 | 2,182 |
| Average total loans | $171,858,500 | 2,353 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 769 |
| Cost of funding earning assets | 0.2727% | 5,067 |
| Net interest margin | 4.7300% | 497 |
| Noninterest income to average assets | 1.4855% | 554 |
| Noninterest expense to average assets | 4.0435% | 717 |
| Loan and lease loss provision to assets | 0.5180% | 289 |
| Net operating income to assets | 0.9482% | 2,641 |
| Return on assets (ROA) | 0.6621% | 4,177 |
| Pretax return on assets | 1.1144% | 3,030 |
| Return on Equity (ROE) | 4.5907% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.2284% | 3,179 |
| Net charge-offs to loans | 0.7007% | 532 |
| Credit loss provision to net charge-offs | 100.1742% | 2,384 |
| Earnings coverage of net charge-offs (x) | 3.7099% | 3,824 |
| Efficiency ratio | 67.8226% | 3,929 |
| Assets per employee ($millions) | 6.1695% | 1,263 |
| Cash dividends to net income (ytd only)* | 7.8912% | 4,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5116% | 541 |
| Loan loss allowance to noncurrent loans | 50.5365% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 3.5248% | 529 |
| Noncurrent loans to loans | 4.9699% | 298 |
| Net loans and leases to total assets | 69.1412% | 2,375 |
| Net loans and leases to deposits | 87.0320% | 1,843 |
| Net loans and leases to core deposits | 128.0608% | 269 |
| Total domestic deposits to total assets | 79.4434% | 5,153 |
| Equity capital to assets | 13.6620% | 1,091 |
| Core capital (leverage) ratio | 14.1084% | 787 |
| Tier 1 risk-based capital ratio | 17.3879% | 2,358 |
| Total risk-based capital ratio | 18.6496% | 2,319 |
| Memoranda: | ||
| Average total assets | $222,008,000 | 2,760 |
| Average earning assets | $210,106,600 | 2,706 |
| Average equity | $32,021,600 | 2,162 |
| Average total loans | $163,827,600 | 2,394 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 981 |
| Cost of funding earning assets | 0.2760% | 5,140 |
| Net interest margin | 4.5995% | 618 |
| Noninterest income to average assets | 0.8023% | 1,890 |
| Noninterest expense to average assets | 4.0835% | 698 |
| Loan and lease loss provision to assets | 0.2607% | 817 |
| Net operating income to assets | 0.5269% | 4,769 |
| Return on assets (ROA) | 0.4018% | 5,319 |
| Pretax return on assets | 0.6778% | 4,772 |
| Return on Equity (ROE) | 2.7455% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.3808% | 4,867 |
| Net charge-offs to loans | -0.0469% | 5,880 |
| Credit loss provision to net charge-offs | -745.6140% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3350% | 2,006 |
| Assets per employee ($millions) | 5.6168% | 1,622 |
| Cash dividends to net income (ytd only)* | 13.2828% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7432% | 469 |
| Loan loss allowance to noncurrent loans | 125.6194% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.6887% | 1,794 |
| Noncurrent loans to loans | 2.1837% | 1,398 |
| Net loans and leases to total assets | 75.2083% | 1,334 |
| Net loans and leases to deposits | 94.1521% | 1,026 |
| Net loans and leases to core deposits | 137.2774% | 169 |
| Total domestic deposits to total assets | 79.8796% | 5,130 |
| Equity capital to assets | 14.2875% | 918 |
| Core capital (leverage) ratio | 13.9951% | 844 |
| Tier 1 risk-based capital ratio | 17.4493% | 2,415 |
| Total risk-based capital ratio | 18.7208% | 2,366 |
| Memoranda: | ||
| Average total assets | $217,357,750 | 2,834 |
| Average earning assets | $205,320,500 | 2,772 |
| Average equity | $31,809,000 | 2,186 |
| Average total loans | $162,123,000 | 2,423 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9178% | 882 |
| Cost of funding earning assets | 0.2771% | 5,220 |
| Net interest margin | 4.6407% | 541 |
| Noninterest income to average assets | 0.7473% | 2,059 |
| Noninterest expense to average assets | 4.0015% | 763 |
| Loan and lease loss provision to assets | 0.2792% | 731 |
| Net operating income to assets | 0.5490% | 4,607 |
| Return on assets (ROA) | 0.4346% | 5,162 |
| Pretax return on assets | 0.7314% | 4,532 |
| Return on Equity (ROE) | 2.9453% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.5795% | 4,560 |
| Net charge-offs to loans | -0.0506% | 5,881 |
| Credit loss provision to net charge-offs | -750.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0541% | 2,284 |
| Assets per employee ($millions) | 5.6399% | 1,573 |
| Cash dividends to net income (ytd only)* | 12.4197% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8072% | 468 |
| Loan loss allowance to noncurrent loans | 115.5422% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.8195% | 1,782 |
| Noncurrent loans to loans | 2.4296% | 1,290 |
| Net loans and leases to total assets | 72.7859% | 1,606 |
| Net loans and leases to deposits | 93.7561% | 980 |
| Net loans and leases to core deposits | 141.5485% | 133 |
| Total domestic deposits to total assets | 77.6333% | 5,700 |
| Equity capital to assets | 14.5525% | 806 |
| Core capital (leverage) ratio | 14.5927% | 680 |
| Tier 1 risk-based capital ratio | 18.6452% | 2,020 |
| Total risk-based capital ratio | 19.9184% | 1,972 |
| Memoranda: | ||
| Average total assets | $214,919,670 | 2,868 |
| Average earning assets | $202,814,670 | 2,807 |
| Average equity | $31,712,000 | 2,173 |
| Average total loans | $158,251,330 | 2,472 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 1,096 |
| Cost of funding earning assets | 0.2681% | 5,405 |
| Net interest margin | 4.5077% | 648 |
| Noninterest income to average assets | 0.6309% | 2,561 |
| Noninterest expense to average assets | 3.9284% | 823 |
| Loan and lease loss provision to assets | 0.3296% | 550 |
| Net operating income to assets | 0.4237% | 5,028 |
| Return on assets (ROA) | 0.2825% | 5,602 |
| Pretax return on assets | 0.4746% | 5,244 |
| Return on Equity (ROE) | 1.9009% | 5,809 |
| Retained earnings to average equity (ytd only) | 1.5334% | 4,994 |
| Net charge-offs to loans | -0.0593% | 5,884 |
| Credit loss provision to net charge-offs | -760.8696% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6028% | 2,110 |
| Assets per employee ($millions) | 5.8635% | 1,403 |
| Cash dividends to net income (ytd only)* | 19.3333% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9073% | 478 |
| Loan loss allowance to noncurrent loans | 66.5825% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 3.1897% | 849 |
| Noncurrent loans to loans | 4.3665% | 577 |
| Net loans and leases to total assets | 70.9255% | 1,736 |
| Net loans and leases to deposits | 87.7048% | 1,391 |
| Net loans and leases to core deposits | 132.0849% | 174 |
| Total domestic deposits to total assets | 80.8684% | 5,270 |
| Equity capital to assets | 14.9996% | 674 |
| Core capital (leverage) ratio | 14.5139% | 698 |
| Tier 1 risk-based capital ratio | 19.1672% | 1,913 |
| Total risk-based capital ratio | 20.4395% | 1,874 |
| Memoranda: | ||
| Average total assets | $212,401,500 | 2,894 |
| Average earning assets | $199,923,500 | 2,853 |
| Average equity | $31,563,500 | 2,177 |
| Average total loans | $155,016,500 | 2,524 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 1,749 |
| Cost of funding earning assets | 0.3017% | 5,585 |
| Net interest margin | 4.3366% | 1,020 |
| Noninterest income to average assets | 2.7166% | 254 |
| Noninterest expense to average assets | 4.0352% | 841 |
| Loan and lease loss provision to assets | 0.2307% | 1,567 |
| Net operating income to assets | 1.7214% | 561 |
| Return on assets (ROA) | 1.1908% | 1,675 |
| Pretax return on assets | 2.0125% | 461 |
| Return on Equity (ROE) | 8.4300% | 2,811 |
| Retained earnings to average equity (ytd only) | 8.0511% | 1,040 |
| Net charge-offs to loans | 0.3499% | 1,933 |
| Credit loss provision to net charge-offs | 97.2763% | 2,556 |
| Earnings coverage of net charge-offs (x) | 11.6965% | 2,212 |
| Efficiency ratio | 59.2628% | 5,565 |
| Assets per employee ($millions) | 6.1062% | 1,199 |
| Cash dividends to net income (ytd only)* | 4.4944% | 4,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7490% | 640 |
| Loan loss allowance to noncurrent loans | 82.0375% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.4434% | 1,420 |
| Noncurrent loans to loans | 3.3509% | 965 |
| Net loans and leases to total assets | 70.9126% | 1,852 |
| Net loans and leases to deposits | 88.5033% | 1,411 |
| Net loans and leases to core deposits | 134.3186% | 162 |
| Total domestic deposits to total assets | 80.1243% | 5,420 |
| Equity capital to assets | 14.7227% | 732 |
| Core capital (leverage) ratio | 14.4092% | 712 |
| Tier 1 risk-based capital ratio | 18.5640% | 2,059 |
| Total risk-based capital ratio | 19.8346% | 2,020 |
| Memoranda: | ||
| Average total assets | $216,745,000 | 2,842 |
| Average earning assets | $204,537,600 | 2,783 |
| Average equity | $30,616,800 | 2,221 |
| Average total loans | $146,888,400 | 2,604 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 1,838 |
| Cost of funding earning assets | 0.3026% | 5,709 |
| Net interest margin | 4.3156% | 1,060 |
| Noninterest income to average assets | 2.2749% | 341 |
| Noninterest expense to average assets | 3.5180% | 1,573 |
| Loan and lease loss provision to assets | 0.3218% | 1,041 |
| Net operating income to assets | 1.4908% | 920 |
| Return on assets (ROA) | 1.4908% | 963 |
| Pretax return on assets | 2.5090% | 241 |
| Return on Equity (ROE) | 10.6647% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.2832% | 732 |
| Net charge-offs to loans | 0.4894% | 1,313 |
| Credit loss provision to net charge-offs | 98.8701% | 2,414 |
| Earnings coverage of net charge-offs (x) | 8.6968% | 2,587 |
| Efficiency ratio | 55.4118% | 5,983 |
| Assets per employee ($millions) | 5.7595% | 1,399 |
| Cash dividends to net income (ytd only)* | 3.5774% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9356% | 590 |
| Loan loss allowance to noncurrent loans | 84.3553% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.3876% | 1,636 |
| Noncurrent loans to loans | 3.4800% | 1,095 |
| Net loans and leases to total assets | 66.5936% | 2,544 |
| Net loans and leases to deposits | 80.7255% | 2,300 |
| Net loans and leases to core deposits | 112.8425% | 478 |
| Total domestic deposits to total assets | 82.4939% | 4,761 |
| Equity capital to assets | 14.7436% | 765 |
| Core capital (leverage) ratio | 13.7578% | 937 |
| Tier 1 risk-based capital ratio | 19.1340% | 1,945 |
| Total risk-based capital ratio | 20.4035% | 1,913 |
| Memoranda: | ||
| Average total assets | $217,501,750 | 2,862 |
| Average earning assets | $205,325,500 | 2,804 |
| Average equity | $30,404,750 | 2,251 |
| Average total loans | $144,651,250 | 2,654 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 2,121 |
| Cost of funding earning assets | 0.3013% | 5,817 |
| Net interest margin | 4.2179% | 1,232 |
| Noninterest income to average assets | 2.5191% | 315 |
| Noninterest expense to average assets | 3.4352% | 1,748 |
| Loan and lease loss provision to assets | 0.3197% | 1,099 |
| Net operating income to assets | 1.6359% | 699 |
| Return on assets (ROA) | 1.6359% | 763 |
| Pretax return on assets | 2.7529% | 195 |
| Return on Equity (ROE) | 11.9135% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.5277% | 563 |
| Net charge-offs to loans | 0.7632% | 835 |
| Credit loss provision to net charge-offs | 63.6364% | 2,952 |
| Earnings coverage of net charge-offs (x) | 6.1164% | 2,773 |
| Efficiency ratio | 52.7860% | 6,234 |
| Assets per employee ($millions) | 6.2609% | 1,044 |
| Cash dividends to net income (ytd only)* | 3.2384% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8448% | 676 |
| Loan loss allowance to noncurrent loans | 52.7617% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 3.5444% | 1,072 |
| Noncurrent loans to loans | 5.3917% | 571 |
| Net loans and leases to total assets | 63.8684% | 2,934 |
| Net loans and leases to deposits | 75.4439% | 2,956 |
| Net loans and leases to core deposits | 102.4673% | 915 |
| Total domestic deposits to total assets | 84.6567% | 4,058 |
| Equity capital to assets | 14.0053% | 968 |
| Core capital (leverage) ratio | 13.9161% | 845 |
| Tier 1 risk-based capital ratio | 18.8832% | 2,023 |
| Total risk-based capital ratio | 20.1512% | 1,981 |
| Memoranda: | ||
| Average total assets | $218,968,000 | 2,856 |
| Average earning assets | $207,068,670 | 2,782 |
| Average equity | $30,066,670 | 2,268 |
| Average total loans | $144,133,330 | 2,658 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 2,543 |
| Cost of funding earning assets | 0.3062% | 5,923 |
| Net interest margin | 4.0884% | 1,495 |
| Noninterest income to average assets | 1.6228% | 594 |
| Noninterest expense to average assets | 3.4082% | 1,816 |
| Loan and lease loss provision to assets | 0.3198% | 1,053 |
| Net operating income to assets | 1.0544% | 2,019 |
| Return on assets (ROA) | 1.0544% | 2,130 |
| Pretax return on assets | 1.7744% | 928 |
| Return on Equity (ROE) | 7.7567% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.3668% | 1,998 |
| Net charge-offs to loans | -0.0860% | 6,376 |
| Credit loss provision to net charge-offs | -564.5161% | 5,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9396% | 5,309 |
| Assets per employee ($millions) | 6.2474% | 1,110 |
| Cash dividends to net income (ytd only)* | 5.0260% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0957% | 596 |
| Loan loss allowance to noncurrent loans | 62.6897% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 3.3816% | 1,281 |
| Noncurrent loans to loans | 4.9382% | 777 |
| Net loans and leases to total assets | 66.3589% | 2,307 |
| Net loans and leases to deposits | 79.0319% | 2,208 |
| Net loans and leases to core deposits | 111.6351% | 447 |
| Total domestic deposits to total assets | 83.9647% | 4,489 |
| Equity capital to assets | 14.1267% | 986 |
| Core capital (leverage) ratio | 13.2447% | 1,027 |
| Tier 1 risk-based capital ratio | 18.2430% | 2,276 |
| Total risk-based capital ratio | 19.5145% | 2,234 |
| Memoranda: | ||
| Average total assets | $218,886,000 | 2,881 |
| Average earning assets | $207,708,500 | 2,810 |
| Average equity | $29,755,000 | 2,316 |
| Average total loans | $144,173,000 | 2,663 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 2,243 |
| Cost of funding earning assets | 0.3439% | 6,249 |
| Net interest margin | 4.4443% | 1,060 |
| Noninterest income to average assets | 1.8072% | 509 |
| Noninterest expense to average assets | 4.0803% | 888 |
| Loan and lease loss provision to assets | 0.3207% | 2,128 |
| Net operating income to assets | 0.9375% | 2,612 |
| Return on assets (ROA) | 0.9375% | 2,861 |
| Pretax return on assets | 1.5773% | 1,446 |
| Return on Equity (ROE) | 6.3949% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.9888% | 2,084 |
| Net charge-offs to loans | 0.6350% | 1,846 |
| Credit loss provision to net charge-offs | 75.9417% | 3,975 |
| Earnings coverage of net charge-offs (x) | 4.4945% | 3,349 |
| Efficiency ratio | 68.2517% | 4,095 |
| Assets per employee ($millions) | 6.8291% | 843 |
| Cash dividends to net income (ytd only)* | 6.3492% | 4,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0080% | 658 |
| Loan loss allowance to noncurrent loans | 77.2744% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.4681% | 1,982 |
| Noncurrent loans to loans | 3.8926% | 1,242 |
| Net loans and leases to total assets | 61.4974% | 3,336 |
| Net loans and leases to deposits | 75.7426% | 2,842 |
| Net loans and leases to core deposits | 102.0057% | 890 |
| Total domestic deposits to total assets | 81.1927% | 5,343 |
| Equity capital to assets | 13.0916% | 1,394 |
| Core capital (leverage) ratio | 12.8544% | 1,172 |
| Tier 1 risk-based capital ratio | 17.6450% | 2,400 |
| Total risk-based capital ratio | 18.9151% | 2,361 |
| Memoranda: | ||
| Average total assets | $194,888,600 | 3,115 |
| Average earning assets | $182,909,600 | 3,053 |
| Average equity | $28,569,800 | 2,343 |
| Average total loans | $129,614,600 | 2,892 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7896% | 2,427 |
| Cost of funding earning assets | 0.3549% | 6,353 |
| Net interest margin | 4.4347% | 1,126 |
| Noninterest income to average assets | 2.3089% | 342 |
| Noninterest expense to average assets | 4.0518% | 870 |
| Loan and lease loss provision to assets | 0.2314% | 2,729 |
| Net operating income to assets | 1.2851% | 1,484 |
| Return on assets (ROA) | 1.2851% | 1,624 |
| Pretax return on assets | 2.1629% | 514 |
| Return on Equity (ROE) | 8.4930% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.0836% | 1,586 |
| Net charge-offs to loans | 0.9470% | 1,138 |
| Credit loss provision to net charge-offs | 36.2319% | 4,696 |
| Earnings coverage of net charge-offs (x) | 3.7492% | 3,531 |
| Efficiency ratio | 62.8562% | 5,000 |
| Assets per employee ($millions) | 6.6495% | 877 |
| Cash dividends to net income (ytd only)* | 4.8201% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9039% | 797 |
| Loan loss allowance to noncurrent loans | 60.2765% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 3.6298% | 1,372 |
| Noncurrent loans to loans | 4.8176% | 955 |
| Net loans and leases to total assets | 59.7929% | 3,820 |
| Net loans and leases to deposits | 72.7766% | 3,480 |
| Net loans and leases to core deposits | 100.1970% | 1,104 |
| Total domestic deposits to total assets | 82.1596% | 4,963 |
| Equity capital to assets | 13.4829% | 1,355 |
| Core capital (leverage) ratio | 12.9492% | 1,207 |
| Tier 1 risk-based capital ratio | 18.0145% | 2,336 |
| Total risk-based capital ratio | 19.2811% | 2,302 |
| Memoranda: | ||
| Average total assets | $187,271,000 | 3,243 |
| Average earning assets | $174,709,250 | 3,201 |
| Average equity | $28,336,500 | 2,379 |
| Average total loans | $126,296,250 | 2,983 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9401% | 1,961 |
| Cost of funding earning assets | 0.3600% | 6,466 |
| Net interest margin | 4.5801% | 862 |
| Noninterest income to average assets | 1.2246% | 956 |
| Noninterest expense to average assets | 4.2266% | 709 |
| Loan and lease loss provision to assets | 0.1699% | 3,403 |
| Net operating income to assets | 0.6502% | 4,111 |
| Return on assets (ROA) | 0.6502% | 4,365 |
| Pretax return on assets | 1.0943% | 3,322 |
| Return on Equity (ROE) | 4.1117% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.6963% | 4,140 |
| Net charge-offs to loans | 1.5257% | 644 |
| Credit loss provision to net charge-offs | 15.9405% | 4,668 |
| Earnings coverage of net charge-offs (x) | 1.1860% | 4,415 |
| Efficiency ratio | 76.9754% | 2,594 |
| Assets per employee ($millions) | 5.6402% | 1,488 |
| Cash dividends to net income (ytd only)* | 10.1045% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0015% | 781 |
| Loan loss allowance to noncurrent loans | 60.4306% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 3.9454% | 1,308 |
| Noncurrent loans to loans | 4.9668% | 1,000 |
| Net loans and leases to total assets | 62.4377% | 3,350 |
| Net loans and leases to deposits | 83.0242% | 1,976 |
| Net loans and leases to core deposits | 133.1128% | 193 |
| Total domestic deposits to total assets | 75.2043% | 6,566 |
| Equity capital to assets | 14.7408% | 848 |
| Core capital (leverage) ratio | 14.8588% | 623 |
| Tier 1 risk-based capital ratio | 18.9035% | 1,991 |
| Total risk-based capital ratio | 20.1712% | 1,968 |
| Memoranda: | ||
| Average total assets | $176,550,000 | 3,416 |
| Average earning assets | $164,449,670 | 3,355 |
| Average equity | $27,920,000 | 2,403 |
| Average total loans | $123,351,670 | 3,062 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2342% | 1,242 |
| Cost of funding earning assets | 0.3393% | 6,683 |
| Net interest margin | 4.8950% | 469 |
| Noninterest income to average assets | 0.5327% | 3,682 |
| Noninterest expense to average assets | 4.3731% | 613 |
| Loan and lease loss provision to assets | 0.1776% | 3,194 |
| Net operating income to assets | 0.3125% | 5,619 |
| Return on assets (ROA) | 0.3125% | 5,779 |
| Pretax return on assets | 0.5256% | 5,347 |
| Return on Equity (ROE) | 1.9030% | 6,102 |
| Retained earnings to average equity (ytd only) | 1.4849% | 5,497 |
| Net charge-offs to loans | 2.0145% | 465 |
| Credit loss provision to net charge-offs | 12.0773% | 3,873 |
| Earnings coverage of net charge-offs (x) | 0.4783% | 4,101 |
| Efficiency ratio | 86.1474% | 1,469 |
| Assets per employee ($millions) | 5.4471% | 1,740 |
| Cash dividends to net income (ytd only)* | 21.9697% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3291% | 609 |
| Loan loss allowance to noncurrent loans | 92.2466% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 2.5358% | 2,334 |
| Noncurrent loans to loans | 3.6089% | 1,723 |
| Net loans and leases to total assets | 67.9277% | 2,133 |
| Net loans and leases to deposits | 83.5966% | 1,718 |
| Net loans and leases to core deposits | 134.3351% | 168 |
| Total domestic deposits to total assets | 81.2566% | 5,531 |
| Equity capital to assets | 16.4694% | 502 |
| Core capital (leverage) ratio | 16.3451% | 429 |
| Tier 1 risk-based capital ratio | 20.0872% | 1,690 |
| Total risk-based capital ratio | 21.3595% | 1,657 |
| Memoranda: | ||
| Average total assets | $168,941,500 | 3,534 |
| Average earning assets | $156,814,000 | 3,499 |
| Average equity | $27,746,000 | 2,405 |
| Average total loans | $123,307,500 | 3,078 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4136% | 1,381 |
| Cost of funding earning assets | 0.4642% | 6,682 |
| Net interest margin | 4.9494% | 459 |
| Noninterest income to average assets | 1.7468% | 466 |
| Noninterest expense to average assets | 4.4097% | 640 |
| Loan and lease loss provision to assets | 0.9413% | 1,023 |
| Net operating income to assets | 0.5881% | 4,064 |
| Return on assets (ROA) | 0.5881% | 4,243 |
| Pretax return on assets | 0.9846% | 3,298 |
| Return on Equity (ROE) | 3.4316% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.0063% | 4,084 |
| Net charge-offs to loans | -0.0368% | 7,020 |
| Credit loss provision to net charge-offs | -3,653.6585% | 6,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6023% | 4,038 |
| Assets per employee ($millions) | 5.2820% | 1,852 |
| Cash dividends to net income (ytd only)* | 12.3932% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5135% | 528 |
| Loan loss allowance to noncurrent loans | 85.6218% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 3.1067% | 1,924 |
| Noncurrent loans to loans | 4.1035% | 1,510 |
| Net loans and leases to total assets | 73.0470% | 1,445 |
| Net loans and leases to deposits | 96.5801% | 650 |
| Net loans and leases to core deposits | 143.7736% | 157 |
| Total domestic deposits to total assets | 75.6336% | 6,529 |
| Equity capital to assets | 16.3776% | 530 |
| Core capital (leverage) ratio | 16.3269% | 430 |
| Tier 1 risk-based capital ratio | 19.4205% | 1,789 |
| Total risk-based capital ratio | 20.6964% | 1,750 |
| Memoranda: | ||
| Average total assets | $159,148,200 | 3,642 |
| Average earning assets | $147,554,000 | 3,615 |
| Average equity | $27,276,200 | 2,374 |
| Average total loans | $111,510,600 | 3,348 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4415% | 1,404 |
| Cost of funding earning assets | 0.5019% | 6,684 |
| Net interest margin | 4.9395% | 466 |
| Noninterest income to average assets | 1.5743% | 534 |
| Noninterest expense to average assets | 4.2744% | 735 |
| Loan and lease loss provision to assets | 0.2178% | 3,834 |
| Net operating income to assets | 0.9880% | 2,366 |
| Return on assets (ROA) | 0.9880% | 2,518 |
| Pretax return on assets | 1.6628% | 1,223 |
| Return on Equity (ROE) | 5.6963% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.2695% | 3,018 |
| Net charge-offs to loans | -0.0646% | 7,096 |
| Credit loss provision to net charge-offs | -492.3077% | 6,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4456% | 4,046 |
| Assets per employee ($millions) | 5.4174% | 1,683 |
| Cash dividends to net income (ytd only)* | 7.4937% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9362% | 909 |
| Loan loss allowance to noncurrent loans | 76.2138% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.7268% | 2,381 |
| Noncurrent loans to loans | 3.8526% | 1,737 |
| Net loans and leases to total assets | 68.7001% | 2,333 |
| Net loans and leases to deposits | 90.9682% | 1,113 |
| Net loans and leases to core deposits | 136.1025% | 197 |
| Total domestic deposits to total assets | 75.5210% | 6,589 |
| Equity capital to assets | 17.8300% | 413 |
| Core capital (leverage) ratio | 16.7817% | 418 |
| Tier 1 risk-based capital ratio | 21.4951% | 1,371 |
| Total risk-based capital ratio | 22.7628% | 1,341 |
| Memoranda: | ||
| Average total assets | $156,679,250 | 3,712 |
| Average earning assets | $145,300,250 | 3,676 |
| Average equity | $27,174,750 | 2,382 |
| Average total loans | $107,397,500 | 3,476 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 1,495 |
| Cost of funding earning assets | 0.5157% | 6,794 |
| Net interest margin | 4.9065% | 486 |
| Noninterest income to average assets | 1.1665% | 931 |
| Noninterest expense to average assets | 4.5612% | 557 |
| Loan and lease loss provision to assets | 0.1725% | 4,203 |
| Net operating income to assets | 0.5813% | 4,148 |
| Return on assets (ROA) | 0.5813% | 4,277 |
| Pretax return on assets | 0.9787% | 3,321 |
| Return on Equity (ROE) | 3.3834% | 5,221 |
| Retained earnings to average equity (ytd only) | 2.9521% | 4,400 |
| Net charge-offs to loans | -0.0660% | 7,080 |
| Credit loss provision to net charge-offs | -385.7143% | 6,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8479% | 2,411 |
| Assets per employee ($millions) | 5.2341% | 1,839 |
| Cash dividends to net income (ytd only)* | 12.7473% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8421% | 1,038 |
| Loan loss allowance to noncurrent loans | 93.3990% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 2.1322% | 3,068 |
| Noncurrent loans to loans | 3.0430% | 2,378 |
| Net loans and leases to total assets | 68.0769% | 2,595 |
| Net loans and leases to deposits | 89.0207% | 1,372 |
| Net loans and leases to core deposits | 132.6282% | 244 |
| Total domestic deposits to total assets | 76.4730% | 6,526 |
| Equity capital to assets | 17.3337% | 448 |
| Core capital (leverage) ratio | 17.2270% | 387 |
| Tier 1 risk-based capital ratio | 22.6412% | 1,172 |
| Total risk-based capital ratio | 23.9099% | 1,152 |
| Memoranda: | ||
| Average total assets | $156,537,000 | 3,741 |
| Average earning assets | $145,033,000 | 3,710 |
| Average equity | $26,895,670 | 2,395 |
| Average total loans | $106,131,000 | 3,539 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 3,354 |
| Cost of funding earning assets | 0.5179% | 6,906 |
| Net interest margin | 4.4257% | 1,227 |
| Noninterest income to average assets | 1.8478% | 410 |
| Noninterest expense to average assets | 4.4890% | 597 |
| Loan and lease loss provision to assets | 0.1740% | 3,884 |
| Net operating income to assets | 0.7575% | 3,232 |
| Return on assets (ROA) | 0.7575% | 3,293 |
| Pretax return on assets | 1.2745% | 2,123 |
| Return on Equity (ROE) | 4.4287% | 4,692 |
| Retained earnings to average equity (ytd only) | 3.9948% | 3,781 |
| Net charge-offs to loans | -0.0691% | 6,987 |
| Credit loss provision to net charge-offs | -377.7778% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6034% | 3,226 |
| Assets per employee ($millions) | 5.1632% | 1,942 |
| Cash dividends to net income (ytd only)* | 9.7973% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9527% | 955 |
| Loan loss allowance to noncurrent loans | 62.0387% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 3.1905% | 2,163 |
| Noncurrent loans to loans | 4.7595% | 1,443 |
| Net loans and leases to total assets | 64.5689% | 3,339 |
| Net loans and leases to deposits | 83.5218% | 2,103 |
| Net loans and leases to core deposits | 134.2398% | 234 |
| Total domestic deposits to total assets | 77.3079% | 6,483 |
| Equity capital to assets | 17.3498% | 411 |
| Core capital (leverage) ratio | 16.7963% | 409 |
| Tier 1 risk-based capital ratio | 23.1459% | 1,063 |
| Total risk-based capital ratio | 24.4146% | 1,049 |
| Memoranda: | ||
| Average total assets | $156,293,500 | 3,768 |
| Average earning assets | $144,427,500 | 3,742 |
| Average equity | $26,734,500 | 2,398 |
| Average total loans | $104,184,500 | 3,618 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 3,274 |
| Cost of funding earning assets | 0.7473% | 6,746 |
| Net interest margin | 4.5222% | 1,178 |
| Noninterest income to average assets | 1.5502% | 612 |
| Noninterest expense to average assets | 4.3166% | 797 |
| Loan and lease loss provision to assets | 0.1942% | 5,292 |
| Net operating income to assets | 0.7159% | 3,169 |
| Return on assets (ROA) | 0.7159% | 3,297 |
| Pretax return on assets | 1.1482% | 2,402 |
| Return on Equity (ROE) | 4.8656% | 4,126 |
| Retained earnings to average equity (ytd only) | 4.7820% | 2,556 |
| Net charge-offs to loans | 0.2974% | 4,531 |
| Credit loss provision to net charge-offs | 96.1538% | 4,828 |
| Earnings coverage of net charge-offs (x) | 6.6474% | 2,314 |
| Efficiency ratio | 76.2782% | 3,013 |
| Assets per employee ($millions) | 5.4377% | 1,640 |
| Cash dividends to net income (ytd only)* | 1.7179% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8078% | 1,044 |
| Loan loss allowance to noncurrent loans | 95.3871% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 2.5163% | 2,757 |
| Noncurrent loans to loans | 2.9436% | 2,594 |
| Net loans and leases to total assets | 64.9082% | 3,683 |
| Net loans and leases to deposits | 80.9047% | 3,011 |
| Net loans and leases to core deposits | 133.7397% | 288 |
| Total domestic deposits to total assets | 80.2279% | 5,771 |
| Equity capital to assets | 16.8652% | 469 |
| Core capital (leverage) ratio | 15.9286% | 518 |
| Tier 1 risk-based capital ratio | 22.7782% | 1,068 |
| Total risk-based capital ratio | 24.0462% | 1,046 |
| Memoranda: | ||
| Average total assets | $154,496,400 | 3,801 |
| Average earning assets | $140,374,200 | 3,807 |
| Average equity | $22,731,200 | 2,798 |
| Average total loans | $104,901,800 | 3,659 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3049% | 3,332 |
| Cost of funding earning assets | 0.7996% | 6,765 |
| Net interest margin | 4.5053% | 1,244 |
| Noninterest income to average assets | 1.3351% | 762 |
| Noninterest expense to average assets | 4.3253% | 726 |
| Loan and lease loss provision to assets | 0.1952% | 5,085 |
| Net operating income to assets | 0.5292% | 4,186 |
| Return on assets (ROA) | 0.5292% | 4,361 |
| Pretax return on assets | 0.8909% | 3,589 |
| Return on Equity (ROE) | 3.7367% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.7367% | 3,833 |
| Net charge-offs to loans | 0.4186% | 3,614 |
| Credit loss provision to net charge-offs | 68.3891% | 5,463 |
| Earnings coverage of net charge-offs (x) | 3.8054% | 3,292 |
| Efficiency ratio | 79.9295% | 2,347 |
| Assets per employee ($millions) | 5.2340% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7378% | 1,049 |
| Loan loss allowance to noncurrent loans | 71.9307% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 3.6810% | 1,939 |
| Noncurrent loans to loans | 3.8061% | 2,022 |
| Net loans and leases to total assets | 64.8206% | 3,943 |
| Net loans and leases to deposits | 84.5295% | 2,613 |
| Net loans and leases to core deposits | 151.1330% | 186 |
| Total domestic deposits to total assets | 76.6840% | 6,546 |
| Equity capital to assets | 16.7748% | 546 |
| Core capital (leverage) ratio | 16.6317% | 477 |
| Tier 1 risk-based capital ratio | 22.5465% | 1,124 |
| Total risk-based capital ratio | 23.8134% | 1,096 |
| Memoranda: | ||
| Average total assets | $153,697,500 | 3,863 |
| Average earning assets | $139,062,000 | 3,891 |
| Average equity | $21,765,250 | 2,946 |
| Average total loans | $104,799,250 | 3,716 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 4,079 |
| Cost of funding earning assets | 0.8351% | 6,805 |
| Net interest margin | 4.3383% | 1,644 |
| Noninterest income to average assets | 1.2792% | 783 |
| Noninterest expense to average assets | 4.2926% | 732 |
| Loan and lease loss provision to assets | 0.1966% | 4,898 |
| Net operating income to assets | 0.4194% | 4,663 |
| Return on assets (ROA) | 0.4194% | 4,822 |
| Pretax return on assets | 0.7052% | 4,216 |
| Return on Equity (ROE) | 3.1620% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.1620% | 4,099 |
| Net charge-offs to loans | -0.0649% | 7,489 |
| Credit loss provision to net charge-offs | -441.1765% | 6,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6394% | 2,084 |
| Assets per employee ($millions) | 5.4610% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9766% | 834 |
| Loan loss allowance to noncurrent loans | 59.8179% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 4.8065% | 1,348 |
| Noncurrent loans to loans | 4.9760% | 1,389 |
| Net loans and leases to total assets | 69.7030% | 2,975 |
| Net loans and leases to deposits | 85.6480% | 2,562 |
| Net loans and leases to core deposits | 156.2405% | 187 |
| Total domestic deposits to total assets | 81.3831% | 5,256 |
| Equity capital to assets | 13.8843% | 1,212 |
| Core capital (leverage) ratio | 13.3716% | 1,095 |
| Tier 1 risk-based capital ratio | 17.0993% | 2,240 |
| Total risk-based capital ratio | 18.3688% | 2,188 |
| Memoranda: | ||
| Average total assets | $152,589,670 | 3,911 |
| Average earning assets | $137,704,000 | 3,940 |
| Average equity | $20,240,330 | 3,145 |
| Average total loans | $104,850,000 | 3,745 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 5,118 |
| Cost of funding earning assets | 0.8581% | 6,909 |
| Net interest margin | 4.1213% | 2,351 |
| Noninterest income to average assets | 0.8971% | 1,637 |
| Noninterest expense to average assets | 3.9933% | 1,046 |
| Loan and lease loss provision to assets | 0.1933% | 4,565 |
| Net operating income to assets | 0.2449% | 5,520 |
| Return on assets (ROA) | 0.2449% | 5,641 |
| Pretax return on assets | 0.4125% | 5,251 |
| Return on Equity (ROE) | 1.8882% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.8882% | 4,989 |
| Net charge-offs to loans | -0.0652% | 7,426 |
| Credit loss provision to net charge-offs | -441.1765% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8274% | 1,706 |
| Assets per employee ($millions) | 6.3926% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9425% | 864 |
| Loan loss allowance to noncurrent loans | 49.4507% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 5.0025% | 1,286 |
| Noncurrent loans to loans | 5.9503% | 1,111 |
| Net loans and leases to total assets | 65.8100% | 3,906 |
| Net loans and leases to deposits | 80.2567% | 3,613 |
| Net loans and leases to core deposits | 154.6463% | 215 |
| Total domestic deposits to total assets | 81.9993% | 5,071 |
| Equity capital to assets | 13.1507% | 1,464 |
| Core capital (leverage) ratio | 13.0194% | 1,208 |
| Tier 1 risk-based capital ratio | 17.1801% | 2,206 |
| Total risk-based capital ratio | 18.4423% | 2,151 |
| Memoranda: | ||
| Average total assets | $155,161,000 | 3,927 |
| Average earning assets | $139,375,000 | 3,978 |
| Average equity | $20,124,500 | 3,188 |
| Average total loans | $104,311,000 | 3,816 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6905% | 3,149 |
| Cost of funding earning assets | 1.0474% | 7,109 |
| Net interest margin | 4.6431% | 913 |
| Noninterest income to average assets | 2.7294% | 248 |
| Noninterest expense to average assets | 4.8745% | 578 |
| Loan and lease loss provision to assets | 0.8031% | 2,728 |
| Net operating income to assets | 0.9707% | 1,940 |
| Return on assets (ROA) | 0.9707% | 1,996 |
| Pretax return on assets | 1.3037% | 1,681 |
| Return on Equity (ROE) | 7.0582% | 2,768 |
| Retained earnings to average equity (ytd only) | 7.0582% | 946 |
| Net charge-offs to loans | 0.8806% | 2,633 |
| Credit loss provision to net charge-offs | 126.3636% | 4,121 |
| Earnings coverage of net charge-offs (x) | 3.3148% | 3,402 |
| Efficiency ratio | 69.8221% | 4,665 |
| Assets per employee ($millions) | 6.2760% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8386% | 889 |
| Loan loss allowance to noncurrent loans | 76.3632% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 3.4245% | 1,968 |
| Noncurrent loans to loans | 3.7172% | 2,024 |
| Net loans and leases to total assets | 64.7706% | 4,423 |
| Net loans and leases to deposits | 80.5678% | 3,878 |
| Net loans and leases to core deposits | 140.9892% | 776 |
| Total domestic deposits to total assets | 80.3926% | 5,552 |
| Equity capital to assets | 12.7935% | 1,598 |
| Core capital (leverage) ratio | 13.1362% | 1,211 |
| Tier 1 risk-based capital ratio | 16.6305% | 2,266 |
| Total risk-based capital ratio | 17.8976% | 2,211 |
| Memoranda: | ||
| Average total assets | $138,456,200 | 4,156 |
| Average earning assets | $126,789,800 | 4,159 |
| Average equity | $19,041,800 | 3,341 |
| Average total loans | $99,926,800 | 3,954 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7685% | 3,027 |
| Cost of funding earning assets | 1.0821% | 7,215 |
| Net interest margin | 4.6864% | 854 |
| Noninterest income to average assets | 1.4713% | 685 |
| Noninterest expense to average assets | 5.1122% | 450 |
| Loan and lease loss provision to assets | 0.5150% | 3,328 |
| Net operating income to assets | 0.0887% | 5,503 |
| Return on assets (ROA) | 0.0887% | 5,552 |
| Pretax return on assets | 0.1494% | 5,417 |
| Return on Equity (ROE) | 0.6317% | 5,604 |
| Retained earnings to average equity (ytd only) | 0.6317% | 4,931 |
| Net charge-offs to loans | 0.4766% | 3,322 |
| Credit loss provision to net charge-offs | 146.4589% | 3,314 |
| Earnings coverage of net charge-offs (x) | 1.8895% | 4,393 |
| Efficiency ratio | 88.4980% | 1,817 |
| Assets per employee ($millions) | 4.5170% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9015% | 723 |
| Loan loss allowance to noncurrent loans | 60.8176% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 3.8300% | 1,685 |
| Noncurrent loans to loans | 4.7709% | 1,428 |
| Net loans and leases to total assets | 71.6412% | 3,121 |
| Net loans and leases to deposits | 86.7724% | 3,170 |
| Net loans and leases to core deposits | 138.7288% | 979 |
| Total domestic deposits to total assets | 82.5622% | 4,414 |
| Equity capital to assets | 13.9776% | 1,312 |
| Core capital (leverage) ratio | 13.8070% | 1,141 |
| Tier 1 risk-based capital ratio | 16.6559% | 2,373 |
| Total risk-based capital ratio | 17.9246% | 2,316 |
| Memoranda: | ||
| Average total assets | $133,845,250 | 4,284 |
| Average earning assets | $122,963,250 | 4,275 |
| Average equity | $18,784,000 | 3,406 |
| Average total loans | $98,760,000 | 4,023 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7792% | 3,141 |
| Cost of funding earning assets | 1.1503% | 7,246 |
| Net interest margin | 4.6289% | 907 |
| Noninterest income to average assets | 0.5432% | 4,086 |
| Noninterest expense to average assets | 5.2697% | 433 |
| Loan and lease loss provision to assets | 0.0915% | 6,255 |
| Net operating income to assets | -0.3301% | 6,360 |
| Return on assets (ROA) | -0.3301% | 6,374 |
| Pretax return on assets | -0.5552% | 6,482 |
| Return on Equity (ROE) | -2.3490% | 6,275 |
| Retained earnings to average equity (ytd only) | -2.3490% | 5,823 |
| Net charge-offs to loans | 0.7178% | 2,262 |
| Credit loss provision to net charge-offs | 17.2805% | 6,151 |
| Earnings coverage of net charge-offs (x) | -0.8754% | 6,198 |
| Efficiency ratio | 109.6472% | 860 |
| Assets per employee ($millions) | 3.8808% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4658% | 933 |
| Loan loss allowance to noncurrent loans | 54.1768% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 3.8714% | 1,557 |
| Noncurrent loans to loans | 4.5515% | 1,411 |
| Net loans and leases to total assets | 75.5157% | 2,310 |
| Net loans and leases to deposits | 100.5187% | 1,232 |
| Net loans and leases to core deposits | 134.5905% | 1,285 |
| Total domestic deposits to total assets | 75.1261% | 6,740 |
| Equity capital to assets | 14.5253% | 1,154 |
| Core capital (leverage) ratio | 13.9284% | 1,154 |
| Tier 1 risk-based capital ratio | 16.6242% | 2,414 |
| Total risk-based capital ratio | 17.8882% | 2,357 |
| Memoranda: | ||
| Average total assets | $133,290,330 | 4,323 |
| Average earning assets | $122,750,670 | 4,297 |
| Average equity | $18,731,670 | 3,435 |
| Average total loans | $98,352,670 | 4,053 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 4,435 |
| Cost of funding earning assets | 1.2329% | 7,219 |
| Net interest margin | 4.3550% | 1,456 |
| Noninterest income to average assets | 0.5710% | 3,747 |
| Noninterest expense to average assets | 4.9536% | 501 |
| Loan and lease loss provision to assets | 0.0912% | 5,788 |
| Net operating income to assets | -0.2678% | 6,642 |
| Return on assets (ROA) | -0.2678% | 6,720 |
| Pretax return on assets | -0.4503% | 6,783 |
| Return on Equity (ROE) | -1.9365% | 6,648 |
| Retained earnings to average equity (ytd only) | -1.9365% | 6,091 |
| Net charge-offs to loans | -0.0041% | 7,159 |
| Credit loss provision to net charge-offs | -3,100.0000% | 6,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8155% | 865 |
| Assets per employee ($millions) | 3.7201% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8368% | 560 |
| Loan loss allowance to noncurrent loans | 66.5145% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 3.3509% | 1,631 |
| Noncurrent loans to loans | 4.2650% | 1,378 |
| Net loans and leases to total assets | 72.8401% | 3,044 |
| Net loans and leases to deposits | 101.3540% | 1,248 |
| Net loans and leases to core deposits | 136.2702% | 1,287 |
| Total domestic deposits to total assets | 71.8670% | 7,231 |
| Equity capital to assets | 14.4113% | 1,253 |
| Core capital (leverage) ratio | 13.0241% | 1,477 |
| Tier 1 risk-based capital ratio | 17.1758% | 2,286 |
| Total risk-based capital ratio | 18.4449% | 2,217 |
| Memoranda: | ||
| Average total assets | $135,902,500 | 4,289 |
| Average earning assets | $125,557,500 | 4,251 |
| Average equity | $18,796,500 | 3,440 |
| Average total loans | $97,951,500 | 4,089 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5247% | 2,844 |
| Cost of funding earning assets | 2.1664% | 5,747 |
| Net interest margin | 4.3583% | 1,802 |
| Noninterest income to average assets | 1.2066% | 1,022 |
| Noninterest expense to average assets | 4.7279% | 748 |
| Loan and lease loss provision to assets | 0.0535% | 6,749 |
| Net operating income to assets | 0.3000% | 5,539 |
| Return on assets (ROA) | 0.3000% | 5,355 |
| Pretax return on assets | 0.4411% | 5,154 |
| Return on Equity (ROE) | 2.2778% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.2778% | 3,793 |
| Net charge-offs to loans | 0.1533% | 4,662 |
| Credit loss provision to net charge-offs | 53.5714% | 6,311 |
| Earnings coverage of net charge-offs (x) | 4.9571% | 3,801 |
| Efficiency ratio | 90.5295% | 1,472 |
| Assets per employee ($millions) | 4.0458% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7845% | 521 |
| Loan loss allowance to noncurrent loans | 155.5114% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.3842% | 3,422 |
| Noncurrent loans to loans | 1.7905% | 3,077 |
| Net loans and leases to total assets | 67.4828% | 4,558 |
| Net loans and leases to deposits | 90.7207% | 3,331 |
| Net loans and leases to core deposits | 102.4586% | 4,560 |
| Total domestic deposits to total assets | 74.3852% | 6,583 |
| Equity capital to assets | 13.2971% | 1,671 |
| Core capital (leverage) ratio | 12.7149% | 1,655 |
| Tier 1 risk-based capital ratio | 16.7218% | 2,411 |
| Total risk-based capital ratio | 17.9890% | 2,337 |
| Memoranda: | ||
| Average total assets | $140,315,800 | 4,078 |
| Average earning assets | $129,292,400 | 4,055 |
| Average equity | $18,482,400 | 3,481 |
| Average total loans | $91,308,200 | 4,182 |