Home > Centric Bank > Performance and Condition Ratios
Centric Bank, Performance and Condition Ratios
| 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 | 4.8113% | 422 |
| Cost of funding earning assets | 0.5359% | 1,183 |
| Net interest margin | 4.2754% | 451 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.7082% | 1,533 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.1407% | 2,009 |
| Return on assets (ROA) | 1.1407% | 1,954 |
| Pretax return on assets | 1.3980% | 1,776 |
| Return on Equity (ROE) | 10.1500% | 2,766 |
| Retained earnings to average equity (ytd only) | 10.1549% | 1,106 |
| Net charge-offs to loans | 0.0770% | 873 |
| Credit loss provision to net charge-offs | 426.9504% | 750 |
| Earnings coverage of net charge-offs (x) | 24.7702% | 1,784 |
| Efficiency ratio | 61.5869% | 2,825 |
| Assets per employee ($millions) | 9.7187% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 1,180 |
| Loan loss allowance to noncurrent loans | 105.6134% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.2914% | 279 |
| Noncurrent loans to loans | 1.4262% | 466 |
| Net loans and leases to total assets | 89.1800% | 46 |
| Net loans and leases to deposits | 106.3242% | 237 |
| Net loans and leases to core deposits | 111.4780% | 561 |
| Total domestic deposits to total assets | 83.8800% | 3,232 |
| Equity capital to assets | 11.2393% | 1,168 |
| Core capital (leverage) ratio | 11.6845% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2765% | 2,248 |
| Memoranda: | ||
| Average total assets | $1,033,807,800 | 956 |
| Average earning assets | $991,146,200 | 915 |
| Average equity | $116,130,800 | 839 |
| Average total loans | $915,503,000 | 744 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 421 |
| Cost of funding earning assets | 0.4188% | 1,166 |
| Net interest margin | 4.1813% | 439 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.5470% | 1,875 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 1.2272% | 1,599 |
| Return on assets (ROA) | 1.2272% | 1,572 |
| Pretax return on assets | 1.5099% | 1,383 |
| Return on Equity (ROE) | 10.9300% | 2,401 |
| Retained earnings to average equity (ytd only) | 10.9263% | 1,073 |
| Net charge-offs to loans | 0.1077% | 578 |
| Credit loss provision to net charge-offs | 314.9931% | 790 |
| Earnings coverage of net charge-offs (x) | 19.0784% | 1,736 |
| Efficiency ratio | 58.4780% | 3,325 |
| Assets per employee ($millions) | 7.7424% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,304 |
| Loan loss allowance to noncurrent loans | 113.9292% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1819% | 354 |
| Noncurrent loans to loans | 1.3117% | 558 |
| Net loans and leases to total assets | 88.7600% | 44 |
| Net loans and leases to deposits | 104.0544% | 240 |
| Net loans and leases to core deposits | 109.5756% | 486 |
| Total domestic deposits to total assets | 85.3000% | 3,216 |
| Equity capital to assets | 11.4604% | 1,021 |
| Core capital (leverage) ratio | 11.4661% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3616% | 2,336 |
| Memoranda: | ||
| Average total assets | $1,022,566,250 | 964 |
| Average earning assets | $980,242,000 | 926 |
| Average equity | $114,851,750 | 863 |
| Average total loans | $900,184,500 | 749 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 490 |
| Cost of funding earning assets | 0.3897% | 986 |
| Net interest margin | 3.9548% | 551 |
| Noninterest income to average assets | 0.3426% | 3,102 |
| Noninterest expense to average assets | 2.4621% | 2,047 |
| Loan and lease loss provision to assets | 0.1671% | 551 |
| Net operating income to assets | 1.2107% | 1,395 |
| Return on assets (ROA) | 1.2107% | 1,381 |
| Pretax return on assets | 1.5067% | 1,147 |
| Return on Equity (ROE) | 10.8544% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.8544% | 809 |
| Net charge-offs to loans | 0.0189% | 1,357 |
| Credit loss provision to net charge-offs | 1,011.9048% | 399 |
| Earnings coverage of net charge-offs (x) | 101.3810% | 805 |
| Efficiency ratio | 59.5305% | 3,360 |
| Assets per employee ($millions) | 7.0943% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 1,534 |
| Loan loss allowance to noncurrent loans | 106.3802% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.1954% | 354 |
| Noncurrent loans to loans | 1.3692% | 558 |
| Net loans and leases to total assets | 86.0340% | 87 |
| Net loans and leases to deposits | 101.3881% | 231 |
| Net loans and leases to core deposits | 108.6389% | 375 |
| Total domestic deposits to total assets | 84.8562% | 3,512 |
| Equity capital to assets | 11.2142% | 1,127 |
| Core capital (leverage) ratio | 11.2555% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3791% | 2,349 |
| Memoranda: | ||
| Average total assets | $1,017,593,333 | 958 |
| Average earning assets | $976,033,667 | 927 |
| Average equity | $113,502,333 | 881 |
| Average total loans | $888,641,000 | 746 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 483 |
| Cost of funding earning assets | 0.4027% | 852 |
| Net interest margin | 3.8480% | 573 |
| Noninterest income to average assets | 0.3312% | 3,115 |
| Noninterest expense to average assets | 2.4020% | 2,151 |
| Loan and lease loss provision to assets | 0.1587% | 489 |
| Net operating income to assets | 1.1907% | 1,271 |
| Return on assets (ROA) | 1.1907% | 1,267 |
| Pretax return on assets | 1.4655% | 1,089 |
| Return on Equity (ROE) | 10.7046% | 1,725 |
| Retained earnings to average equity (ytd only) | 10.7046% | 846 |
| Net charge-offs to loans | -0.0005% | 2,976 |
| Credit loss provision to net charge-offs | -40,000.0000% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6591% | 3,521 |
| Assets per employee ($millions) | 7.6581% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,735 |
| Loan loss allowance to noncurrent loans | 105.5285% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1740% | 376 |
| Noncurrent loans to loans | 1.3689% | 628 |
| Net loans and leases to total assets | 84.5198% | 74 |
| Net loans and leases to deposits | 99.5569% | 185 |
| Net loans and leases to core deposits | 104.4111% | 380 |
| Total domestic deposits to total assets | 84.8960% | 3,563 |
| Equity capital to assets | 10.9783% | 1,337 |
| Core capital (leverage) ratio | 11.1049% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5009% | 2,414 |
| Memoranda: | ||
| Average total assets | $1,008,502,500 | 973 |
| Average earning assets | $968,403,000 | 942 |
| Average equity | $112,176,500 | 915 |
| Average total loans | $880,816,000 | 740 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 557 |
| Cost of funding earning assets | 0.4358% | 1,283 |
| Net interest margin | 4.1114% | 583 |
| Noninterest income to average assets | 0.3052% | 3,583 |
| Noninterest expense to average assets | 2.2727% | 2,872 |
| Loan and lease loss provision to assets | 0.6976% | 66 |
| Net operating income to assets | 1.0316% | 2,552 |
| Return on assets (ROA) | 1.0324% | 2,622 |
| Pretax return on assets | 1.2790% | 2,424 |
| Return on Equity (ROE) | 10.6556% | 2,290 |
| Retained earnings to average equity (ytd only) | 10.6556% | 773 |
| Net charge-offs to loans | 0.6007% | 133 |
| Credit loss provision to net charge-offs | 133.8266% | 1,556 |
| Earnings coverage of net charge-offs (x) | 3.7902% | 2,526 |
| Efficiency ratio | 53.4975% | 3,984 |
| Assets per employee ($millions) | 7.5628% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 1,851 |
| Loan loss allowance to noncurrent loans | 97.9088% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.2889% | 366 |
| Noncurrent loans to loans | 1.4482% | 639 |
| Net loans and leases to total assets | 87.7389% | 35 |
| Net loans and leases to deposits | 105.7818% | 110 |
| Net loans and leases to core deposits | 111.1995% | 266 |
| Total domestic deposits to total assets | 82.9432% | 3,822 |
| Equity capital to assets | 11.2753% | 1,622 |
| Core capital (leverage) ratio | 10.8338% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5285% | 2,437 |
| Memoranda: | ||
| Average total assets | $1,088,946,600 | 900 |
| Average earning assets | $1,044,382,800 | 872 |
| Average equity | $105,503,400 | 967 |
| Average total loans | $944,915,800 | 692 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3952% | 814 |
| Cost of funding earning assets | 0.4397% | 1,421 |
| Net interest margin | 3.9555% | 857 |
| Noninterest income to average assets | 0.3184% | 3,524 |
| Noninterest expense to average assets | 2.2130% | 3,030 |
| Loan and lease loss provision to assets | 0.8358% | 53 |
| Net operating income to assets | 0.8587% | 3,353 |
| Return on assets (ROA) | 0.8587% | 3,423 |
| Pretax return on assets | 1.0614% | 3,292 |
| Return on Equity (ROE) | 9.1954% | 3,042 |
| Retained earnings to average equity (ytd only) | 9.1954% | 1,616 |
| Net charge-offs to loans | 0.7902% | 90 |
| Credit loss provision to net charge-offs | 122.5806% | 1,450 |
| Earnings coverage of net charge-offs (x) | 2.7824% | 2,335 |
| Efficiency ratio | 53.8419% | 3,834 |
| Assets per employee ($millions) | 8.7499% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,587 |
| Loan loss allowance to noncurrent loans | 86.3333% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 476 |
| Noncurrent loans to loans | 1.4834% | 712 |
| Net loans and leases to total assets | 81.6793% | 206 |
| Net loans and leases to deposits | 96.8324% | 322 |
| Net loans and leases to core deposits | 118.8854% | 192 |
| Total domestic deposits to total assets | 84.3512% | 3,351 |
| Equity capital to assets | 9.6146% | 3,276 |
| Core capital (leverage) ratio | 9.7898% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8074% | 2,770 |
| Memoranda: | ||
| Average total assets | $1,115,392,500 | 891 |
| Average earning assets | $1,069,198,250 | 863 |
| Average equity | $104,165,500 | 995 |
| Average total loans | $962,389,000 | 699 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 846 |
| Cost of funding earning assets | 0.4591% | 1,457 |
| Net interest margin | 3.9428% | 902 |
| Noninterest income to average assets | 0.3259% | 3,471 |
| Noninterest expense to average assets | 2.2314% | 2,977 |
| Loan and lease loss provision to assets | 0.1612% | 719 |
| Net operating income to assets | 1.3752% | 1,642 |
| Return on assets (ROA) | 1.3752% | 1,715 |
| Pretax return on assets | 1.7140% | 1,448 |
| Return on Equity (ROE) | 14.8712% | 1,196 |
| Retained earnings to average equity (ytd only) | 14.8712% | 447 |
| Net charge-offs to loans | 0.0622% | 994 |
| Credit loss provision to net charge-offs | 296.0526% | 896 |
| Earnings coverage of net charge-offs (x) | 34.4441% | 1,243 |
| Efficiency ratio | 54.3369% | 3,759 |
| Assets per employee ($millions) | 7.9882% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,184 |
| Loan loss allowance to noncurrent loans | 74.5259% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 468 |
| Noncurrent loans to loans | 1.5446% | 728 |
| Net loans and leases to total assets | 85.7056% | 90 |
| Net loans and leases to deposits | 100.6630% | 238 |
| Net loans and leases to core deposits | 125.2885% | 164 |
| Total domestic deposits to total assets | 85.1411% | 3,038 |
| Equity capital to assets | 9.6574% | 3,194 |
| Core capital (leverage) ratio | 9.6200% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8914% | 2,749 |
| Memoranda: | ||
| Average total assets | $1,116,777,000 | 882 |
| Average earning assets | $1,070,852,667 | 857 |
| Average equity | $103,273,667 | 998 |
| Average total loans | $976,709,667 | 691 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 925 |
| Cost of funding earning assets | 0.4812% | 1,511 |
| Net interest margin | 3.9118% | 962 |
| Noninterest income to average assets | 0.3482% | 3,354 |
| Noninterest expense to average assets | 2.2282% | 3,013 |
| Loan and lease loss provision to assets | 0.1607% | 785 |
| Net operating income to assets | 1.3714% | 1,629 |
| Return on assets (ROA) | 1.3714% | 1,715 |
| Pretax return on assets | 1.7104% | 1,469 |
| Return on Equity (ROE) | 15.1637% | 1,179 |
| Retained earnings to average equity (ytd only) | 15.1637% | 611 |
| Net charge-offs to loans | 0.0228% | 1,290 |
| Credit loss provision to net charge-offs | 803.5714% | 472 |
| Earnings coverage of net charge-offs (x) | 93.5536% | 639 |
| Efficiency ratio | 54.3562% | 3,743 |
| Assets per employee ($millions) | 8.1933% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,500 |
| Loan loss allowance to noncurrent loans | 90.2538% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.0741% | 754 |
| Noncurrent loans to loans | 1.2044% | 1,093 |
| Net loans and leases to total assets | 88.2109% | 43 |
| Net loans and leases to deposits | 104.4383% | 197 |
| Net loans and leases to core deposits | 133.9376% | 120 |
| Total domestic deposits to total assets | 84.4622% | 3,296 |
| Equity capital to assets | 9.1968% | 3,497 |
| Core capital (leverage) ratio | 9.3857% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8323% | 2,728 |
| Memoranda: | ||
| Average total assets | $1,119,986,000 | 875 |
| Average earning assets | $1,073,972,000 | 842 |
| Average equity | $101,294,500 | 1,003 |
| Average total loans | $983,703,500 | 684 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 1,561 |
| Cost of funding earning assets | 0.7184% | 1,629 |
| Net interest margin | 3.6912% | 1,832 |
| Noninterest income to average assets | 0.3219% | 3,533 |
| Noninterest expense to average assets | 2.2945% | 3,413 |
| Loan and lease loss provision to assets | 0.3161% | 1,177 |
| Net operating income to assets | 0.9991% | 2,294 |
| Return on assets (ROA) | 1.0148% | 2,383 |
| Pretax return on assets | 1.2566% | 2,132 |
| Return on Equity (ROE) | 10.4738% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.4738% | 500 |
| Net charge-offs to loans | 0.1069% | 1,403 |
| Credit loss provision to net charge-offs | 342.1634% | 1,602 |
| Earnings coverage of net charge-offs (x) | 16.8124% | 2,111 |
| Efficiency ratio | 59.6322% | 3,499 |
| Assets per employee ($millions) | 8.4659% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,529 |
| Loan loss allowance to noncurrent loans | 85.7201% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.0948% | 839 |
| Noncurrent loans to loans | 1.2660% | 1,083 |
| Net loans and leases to total assets | 85.5388% | 112 |
| Net loans and leases to deposits | 103.1051% | 280 |
| Net loans and leases to core deposits | 151.0181% | 85 |
| Total domestic deposits to total assets | 82.9627% | 3,421 |
| Equity capital to assets | 8.8910% | 4,155 |
| Core capital (leverage) ratio | 9.3551% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7134% | 2,723 |
| Memoranda: | ||
| Average total assets | $980,651,000 | 898 |
| Average earning assets | $936,702,400 | 871 |
| Average equity | $95,018,200 | 1,008 |
| Average total loans | $847,405,600 | 750 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,587 |
| Cost of funding earning assets | 0.8000% | 1,498 |
| Net interest margin | 3.6940% | 1,965 |
| Noninterest income to average assets | 0.3125% | 3,616 |
| Noninterest expense to average assets | 2.2402% | 3,579 |
| Loan and lease loss provision to assets | 0.3909% | 923 |
| Net operating income to assets | 0.9772% | 2,425 |
| Return on assets (ROA) | 0.9775% | 2,561 |
| Pretax return on assets | 1.2076% | 2,367 |
| Return on Equity (ROE) | 9.8493% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.8493% | 797 |
| Net charge-offs to loans | 0.0484% | 1,919 |
| Credit loss provision to net charge-offs | 934.3434% | 878 |
| Earnings coverage of net charge-offs (x) | 38.1953% | 1,400 |
| Efficiency ratio | 58.3645% | 3,617 |
| Assets per employee ($millions) | 7.9536% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 3,007 |
| Loan loss allowance to noncurrent loans | 93.3686% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.0744% | 996 |
| Noncurrent loans to loans | 1.2163% | 1,251 |
| Net loans and leases to total assets | 87.3314% | 98 |
| Net loans and leases to deposits | 105.6214% | 334 |
| Net loans and leases to core deposits | 149.1822% | 122 |
| Total domestic deposits to total assets | 82.6834% | 3,228 |
| Equity capital to assets | 8.9876% | 4,131 |
| Core capital (leverage) ratio | 9.1724% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7788% | 2,693 |
| Memoranda: | ||
| Average total assets | $946,439,750 | 915 |
| Average earning assets | $903,364,250 | 886 |
| Average equity | $93,933,500 | 1,009 |
| Average total loans | $817,662,000 | 761 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 1,615 |
| Cost of funding earning assets | 0.9331% | 1,226 |
| Net interest margin | 3.6805% | 2,242 |
| Noninterest income to average assets | 0.3060% | 3,632 |
| Noninterest expense to average assets | 2.2590% | 3,625 |
| Loan and lease loss provision to assets | 0.3982% | 1,018 |
| Net operating income to assets | 0.9395% | 2,543 |
| Return on assets (ROA) | 0.9400% | 2,667 |
| Pretax return on assets | 1.1582% | 2,507 |
| Return on Equity (ROE) | 9.1301% | 2,303 |
| Retained earnings to average equity (ytd only) | 9.1301% | 973 |
| Net charge-offs to loans | 0.0770% | 1,477 |
| Credit loss provision to net charge-offs | 604.0268% | 1,101 |
| Earnings coverage of net charge-offs (x) | 23.5973% | 1,595 |
| Efficiency ratio | 59.2182% | 3,529 |
| Assets per employee ($millions) | 8.0572% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,275 |
| Loan loss allowance to noncurrent loans | 125.7704% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 1,648 |
| Noncurrent loans to loans | 0.8441% | 1,805 |
| Net loans and leases to total assets | 87.8266% | 66 |
| Net loans and leases to deposits | 107.0636% | 290 |
| Net loans and leases to core deposits | 146.2530% | 126 |
| Total domestic deposits to total assets | 82.0322% | 3,360 |
| Equity capital to assets | 9.1889% | 3,934 |
| Core capital (leverage) ratio | 9.8664% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1431% | 2,550 |
| Memoranda: | ||
| Average total assets | $904,008,333 | 938 |
| Average earning assets | $861,850,000 | 905 |
| Average equity | $93,077,000 | 1,004 |
| Average total loans | $774,056,667 | 793 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 1,229 |
| Cost of funding earning assets | 1.1858% | 811 |
| Net interest margin | 3.6981% | 2,325 |
| Noninterest income to average assets | 0.3358% | 3,511 |
| Noninterest expense to average assets | 2.4402% | 3,450 |
| Loan and lease loss provision to assets | 0.3946% | 775 |
| Net operating income to assets | 0.8353% | 2,769 |
| Return on assets (ROA) | 0.8365% | 2,854 |
| Pretax return on assets | 1.0254% | 2,759 |
| Return on Equity (ROE) | 7.6158% | 2,675 |
| Retained earnings to average equity (ytd only) | 7.6158% | 1,342 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2375% | 3,337 |
| Assets per employee ($millions) | 6.5268% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,085 |
| Loan loss allowance to noncurrent loans | 106.3696% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0181% | 1,292 |
| Noncurrent loans to loans | 1.2339% | 1,321 |
| Net loans and leases to total assets | 81.4264% | 514 |
| Net loans and leases to deposits | 103.7431% | 375 |
| Net loans and leases to core deposits | 134.7296% | 215 |
| Total domestic deposits to total assets | 78.4885% | 4,137 |
| Equity capital to assets | 11.0304% | 2,830 |
| Core capital (leverage) ratio | 11.5408% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8751% | 2,341 |
| Memoranda: | ||
| Average total assets | $836,321,500 | 975 |
| Average earning assets | $796,732,000 | 945 |
| Average equity | $91,861,500 | 1,015 |
| Average total loans | $699,760,500 | 840 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3521% | 745 |
| Cost of funding earning assets | 1.4251% | 513 |
| Net interest margin | 3.9270% | 2,081 |
| Noninterest income to average assets | 0.4555% | 2,976 |
| Noninterest expense to average assets | 2.6372% | 3,068 |
| Loan and lease loss provision to assets | 0.2770% | 634 |
| Net operating income to assets | 1.0554% | 2,638 |
| Return on assets (ROA) | 1.0554% | 2,731 |
| Pretax return on assets | 1.3010% | 2,500 |
| Return on Equity (ROE) | 9.3572% | 2,584 |
| Retained earnings to average equity (ytd only) | 9.3572% | 625 |
| Net charge-offs to loans | 0.1131% | 1,602 |
| Credit loss provision to net charge-offs | 284.2457% | 989 |
| Earnings coverage of net charge-offs (x) | 16.1909% | 2,191 |
| Efficiency ratio | 62.5629% | 3,280 |
| Assets per employee ($millions) | 6.4394% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,564 |
| Loan loss allowance to noncurrent loans | 89.6637% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1159% | 1,086 |
| Noncurrent loans to loans | 1.3122% | 1,142 |
| Net loans and leases to total assets | 83.8505% | 333 |
| Net loans and leases to deposits | 101.9548% | 471 |
| Net loans and leases to core deposits | 136.2723% | 209 |
| Total domestic deposits to total assets | 82.2428% | 3,443 |
| Equity capital to assets | 10.9369% | 3,063 |
| Core capital (leverage) ratio | 11.4117% | 2,180 |
| Tier 1 risk-based capital ratio | 12.4653% | 4,088 |
| Total risk-based capital ratio | 13.6336% | 4,006 |
| Memoranda: | ||
| Average total assets | $768,457,000 | 1,007 |
| Average earning assets | $735,747,000 | 976 |
| Average equity | $86,671,000 | 1,017 |
| Average total loans | $662,253,200 | 843 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4341% | 655 |
| Cost of funding earning assets | 1.4528% | 477 |
| Net interest margin | 3.9813% | 2,012 |
| Noninterest income to average assets | 0.4624% | 2,943 |
| Noninterest expense to average assets | 2.6960% | 2,878 |
| Loan and lease loss provision to assets | 0.2807% | 539 |
| Net operating income to assets | 1.0570% | 2,752 |
| Return on assets (ROA) | 1.0570% | 2,832 |
| Pretax return on assets | 1.3021% | 2,664 |
| Return on Equity (ROE) | 9.2945% | 2,763 |
| Retained earnings to average equity (ytd only) | 9.2945% | 960 |
| Net charge-offs to loans | 0.1187% | 1,308 |
| Credit loss provision to net charge-offs | 273.2759% | 1,019 |
| Earnings coverage of net charge-offs (x) | 15.4104% | 2,186 |
| Efficiency ratio | 63.0080% | 3,161 |
| Assets per employee ($millions) | 6.2722% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 2,659 |
| Loan loss allowance to noncurrent loans | 130.7946% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 1,798 |
| Noncurrent loans to loans | 0.8951% | 1,789 |
| Net loans and leases to total assets | 84.5677% | 288 |
| Net loans and leases to deposits | 102.6461% | 469 |
| Net loans and leases to core deposits | 126.2743% | 358 |
| Total domestic deposits to total assets | 82.3876% | 3,360 |
| Equity capital to assets | 11.2204% | 2,905 |
| Core capital (leverage) ratio | 10.9478% | 2,692 |
| Tier 1 risk-based capital ratio | 12.6683% | 4,043 |
| Total risk-based capital ratio | 13.8318% | 3,969 |
| Memoranda: | ||
| Average total assets | $752,899,000 | 1,024 |
| Average earning assets | $721,714,500 | 990 |
| Average equity | $85,625,750 | 1,023 |
| Average total loans | $651,609,000 | 850 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 663 |
| Cost of funding earning assets | 1.3834% | 570 |
| Net interest margin | 4.0294% | 1,836 |
| Noninterest income to average assets | 0.4897% | 2,734 |
| Noninterest expense to average assets | 2.7111% | 2,869 |
| Loan and lease loss provision to assets | 0.2863% | 501 |
| Net operating income to assets | 1.1096% | 2,488 |
| Return on assets (ROA) | 1.1096% | 2,558 |
| Pretax return on assets | 1.3646% | 2,323 |
| Return on Equity (ROE) | 9.7105% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.7105% | 839 |
| Net charge-offs to loans | 0.0777% | 1,587 |
| Credit loss provision to net charge-offs | 424.0000% | 679 |
| Earnings coverage of net charge-offs (x) | 24.4480% | 1,625 |
| Efficiency ratio | 62.1525% | 3,412 |
| Assets per employee ($millions) | 5.9962% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,724 |
| Loan loss allowance to noncurrent loans | 111.4913% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 1,594 |
| Noncurrent loans to loans | 1.0421% | 1,571 |
| Net loans and leases to total assets | 83.6426% | 394 |
| Net loans and leases to deposits | 100.2172% | 659 |
| Net loans and leases to core deposits | 128.7685% | 345 |
| Total domestic deposits to total assets | 83.4613% | 3,062 |
| Equity capital to assets | 11.0463% | 3,000 |
| Core capital (leverage) ratio | 11.3946% | 2,249 |
| Tier 1 risk-based capital ratio | 12.5298% | 4,110 |
| Total risk-based capital ratio | 13.6761% | 4,050 |
| Memoranda: | ||
| Average total assets | $740,431,000 | 1,034 |
| Average earning assets | $711,573,330 | 1,001 |
| Average equity | $84,609,330 | 1,028 |
| Average total loans | $643,392,670 | 863 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3213% | 727 |
| Cost of funding earning assets | 1.3140% | 636 |
| Net interest margin | 4.0073% | 1,837 |
| Noninterest income to average assets | 0.4402% | 2,909 |
| Noninterest expense to average assets | 2.6745% | 2,980 |
| Loan and lease loss provision to assets | 0.2981% | 433 |
| Net operating income to assets | 1.0899% | 2,512 |
| Return on assets (ROA) | 1.0899% | 2,557 |
| Pretax return on assets | 1.3367% | 2,303 |
| Return on Equity (ROE) | 9.3668% | 2,643 |
| Retained earnings to average equity (ytd only) | 9.3668% | 1,202 |
| Net charge-offs to loans | 0.1277% | 982 |
| Credit loss provision to net charge-offs | 264.8515% | 894 |
| Earnings coverage of net charge-offs (x) | 14.5248% | 1,790 |
| Efficiency ratio | 62.0636% | 3,527 |
| Assets per employee ($millions) | 6.0074% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 2,944 |
| Loan loss allowance to noncurrent loans | 143.8840% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 2,034 |
| Noncurrent loans to loans | 0.7883% | 2,066 |
| Net loans and leases to total assets | 86.1808% | 174 |
| Net loans and leases to deposits | 102.5667% | 469 |
| Net loans and leases to core deposits | 135.3703% | 239 |
| Total domestic deposits to total assets | 84.0242% | 3,040 |
| Equity capital to assets | 11.5398% | 2,361 |
| Core capital (leverage) ratio | 11.8576% | 1,865 |
| Tier 1 risk-based capital ratio | 12.8650% | 3,947 |
| Total risk-based capital ratio | 13.9979% | 3,908 |
| Memoranda: | ||
| Average total assets | $717,895,500 | 1,055 |
| Average earning assets | $693,139,500 | 1,021 |
| Average equity | $83,529,500 | 1,032 |
| Average total loans | $632,720,500 | 878 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 760 |
| Cost of funding earning assets | 1.0471% | 617 |
| Net interest margin | 4.1068% | 1,660 |
| Noninterest income to average assets | 0.6580% | 2,019 |
| Noninterest expense to average assets | 2.7572% | 2,835 |
| Loan and lease loss provision to assets | 0.2191% | 825 |
| Net operating income to assets | 1.3502% | 1,617 |
| Return on assets (ROA) | 1.3502% | 1,602 |
| Pretax return on assets | 1.6580% | 1,286 |
| Return on Equity (ROE) | 12.4690% | 1,556 |
| Retained earnings to average equity (ytd only) | 12.4690% | 278 |
| Net charge-offs to loans | 0.0699% | 2,116 |
| Credit loss provision to net charge-offs | 353.0864% | 901 |
| Earnings coverage of net charge-offs (x) | 30.2469% | 1,591 |
| Efficiency ratio | 59.4948% | 3,941 |
| Assets per employee ($millions) | 6.5082% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,080 |
| Loan loss allowance to noncurrent loans | 302.6708% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,253 |
| Noncurrent loans to loans | 0.3645% | 3,229 |
| Net loans and leases to total assets | 88.1592% | 111 |
| Net loans and leases to deposits | 105.3867% | 396 |
| Net loans and leases to core deposits | 140.3853% | 197 |
| Total domestic deposits to total assets | 83.6531% | 3,102 |
| Equity capital to assets | 11.7350% | 2,073 |
| Core capital (leverage) ratio | 11.4782% | 2,123 |
| Tier 1 risk-based capital ratio | 12.9167% | 3,893 |
| Total risk-based capital ratio | 14.0272% | 3,857 |
| Memoranda: | ||
| Average total assets | $652,593,000 | 1,113 |
| Average earning assets | $631,849,000 | 1,071 |
| Average equity | $70,663,400 | 1,149 |
| Average total loans | $579,778,200 | 928 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 874 |
| Cost of funding earning assets | 0.9718% | 677 |
| Net interest margin | 4.0633% | 1,747 |
| Noninterest income to average assets | 0.6562% | 2,041 |
| Noninterest expense to average assets | 2.6465% | 3,132 |
| Loan and lease loss provision to assets | 0.2719% | 557 |
| Net operating income to assets | 1.3587% | 1,625 |
| Return on assets (ROA) | 1.3587% | 1,632 |
| Pretax return on assets | 1.6695% | 1,350 |
| Return on Equity (ROE) | 12.8430% | 1,488 |
| Retained earnings to average equity (ytd only) | 12.8430% | 379 |
| Net charge-offs to loans | 0.0988% | 1,504 |
| Credit loss provision to net charge-offs | 309.9762% | 1,000 |
| Earnings coverage of net charge-offs (x) | 22.1354% | 1,893 |
| Efficiency ratio | 57.6851% | 4,169 |
| Assets per employee ($millions) | 6.6842% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,250 |
| Loan loss allowance to noncurrent loans | 564.3333% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 4,117 |
| Noncurrent loans to loans | 0.1931% | 4,018 |
| Net loans and leases to total assets | 85.9284% | 266 |
| Net loans and leases to deposits | 103.1281% | 596 |
| Net loans and leases to core deposits | 136.2543% | 239 |
| Total domestic deposits to total assets | 83.3220% | 3,190 |
| Equity capital to assets | 11.1810% | 2,496 |
| Core capital (leverage) ratio | 11.2573% | 2,375 |
| Tier 1 risk-based capital ratio | 12.6825% | 4,087 |
| Total risk-based capital ratio | 13.7852% | 4,076 |
| Memoranda: | ||
| Average total assets | $640,018,750 | 1,131 |
| Average earning assets | $619,289,750 | 1,089 |
| Average equity | $67,708,250 | 1,193 |
| Average total loans | $568,079,000 | 941 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 1,042 |
| Cost of funding earning assets | 0.8710% | 828 |
| Net interest margin | 4.0202% | 1,789 |
| Noninterest income to average assets | 0.6475% | 2,103 |
| Noninterest expense to average assets | 2.6906% | 3,045 |
| Loan and lease loss provision to assets | 0.2829% | 499 |
| Net operating income to assets | 1.2768% | 1,872 |
| Return on assets (ROA) | 1.2768% | 1,873 |
| Pretax return on assets | 1.5617% | 1,631 |
| Return on Equity (ROE) | 12.3416% | 1,606 |
| Retained earnings to average equity (ytd only) | 12.3416% | 471 |
| Net charge-offs to loans | 0.0338% | 2,171 |
| Credit loss provision to net charge-offs | 935.4839% | 433 |
| Earnings coverage of net charge-offs (x) | 60.9892% | 986 |
| Efficiency ratio | 59.3259% | 4,039 |
| Assets per employee ($millions) | 6.4201% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,255 |
| Loan loss allowance to noncurrent loans | 491.5192% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 3,867 |
| Noncurrent loans to loans | 0.2239% | 3,916 |
| Net loans and leases to total assets | 87.9958% | 138 |
| Net loans and leases to deposits | 107.5663% | 369 |
| Net loans and leases to core deposits | 139.4186% | 198 |
| Total domestic deposits to total assets | 81.8061% | 3,782 |
| Equity capital to assets | 11.3691% | 2,295 |
| Core capital (leverage) ratio | 12.2870% | 1,550 |
| Tier 1 risk-based capital ratio | 12.6125% | 4,122 |
| Total risk-based capital ratio | 13.7268% | 4,092 |
| Memoranda: | ||
| Average total assets | $614,956,670 | 1,182 |
| Average earning assets | $594,694,330 | 1,128 |
| Average equity | $63,622,000 | 1,260 |
| Average total loans | $550,326,670 | 960 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8045% | 1,074 |
| Cost of funding earning assets | 0.7826% | 1,031 |
| Net interest margin | 4.0218% | 1,653 |
| Noninterest income to average assets | 0.7331% | 1,691 |
| Noninterest expense to average assets | 2.7855% | 2,753 |
| Loan and lease loss provision to assets | 0.2989% | 434 |
| Net operating income to assets | 1.2532% | 1,796 |
| Return on assets (ROA) | 1.2532% | 1,809 |
| Pretax return on assets | 1.5363% | 1,579 |
| Return on Equity (ROE) | 12.8570% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.8570% | 542 |
| Net charge-offs to loans | 0.0589% | 1,514 |
| Credit loss provision to net charge-offs | 564.9351% | 539 |
| Earnings coverage of net charge-offs (x) | 34.6883% | 1,154 |
| Efficiency ratio | 60.2825% | 4,026 |
| Assets per employee ($millions) | 6.0957% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,158 |
| Loan loss allowance to noncurrent loans | 444.5552% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,624 |
| Noncurrent loans to loans | 0.2561% | 3,844 |
| Net loans and leases to total assets | 88.9727% | 94 |
| Net loans and leases to deposits | 103.4887% | 509 |
| Net loans and leases to core deposits | 146.3018% | 151 |
| Total domestic deposits to total assets | 85.9733% | 2,552 |
| Equity capital to assets | 9.4572% | 4,132 |
| Core capital (leverage) ratio | 10.1760% | 3,333 |
| Tier 1 risk-based capital ratio | 10.5106% | 5,350 |
| Total risk-based capital ratio | 11.6790% | 5,298 |
| Memoranda: | ||
| Average total assets | $582,167,500 | 1,248 |
| Average earning assets | $562,727,000 | 1,202 |
| Average equity | $56,747,500 | 1,395 |
| Average total loans | $522,736,500 | 1,004 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 1,077 |
| Cost of funding earning assets | 0.6343% | 1,393 |
| Net interest margin | 4.1147% | 1,389 |
| Noninterest income to average assets | 0.5740% | 2,582 |
| Noninterest expense to average assets | 2.8340% | 2,669 |
| Loan and lease loss provision to assets | 0.2684% | 670 |
| Net operating income to assets | 0.8586% | 2,919 |
| Return on assets (ROA) | 0.8586% | 2,939 |
| Pretax return on assets | 1.4345% | 1,872 |
| Return on Equity (ROE) | 8.6451% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.6451% | 576 |
| Net charge-offs to loans | 0.0043% | 3,936 |
| Credit loss provision to net charge-offs | 6,980.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 442.8000% | 193 |
| Efficiency ratio | 62.4650% | 3,864 |
| Assets per employee ($millions) | 5.7788% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,863 |
| Loan loss allowance to noncurrent loans | 430.7242% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 3,514 |
| Noncurrent loans to loans | 0.2751% | 3,793 |
| Net loans and leases to total assets | 88.5038% | 115 |
| Net loans and leases to deposits | 101.1239% | 647 |
| Net loans and leases to core deposits | 131.9570% | 301 |
| Total domestic deposits to total assets | 87.5202% | 1,750 |
| Equity capital to assets | 10.0667% | 3,625 |
| Core capital (leverage) ratio | 10.3765% | 2,991 |
| Tier 1 risk-based capital ratio | 10.8752% | 5,218 |
| Total risk-based capital ratio | 12.0541% | 5,144 |
| Memoranda: | ||
| Average total assets | $520,050,800 | 1,348 |
| Average earning assets | $500,858,600 | 1,296 |
| Average equity | $51,647,600 | 1,482 |
| Average total loans | $462,349,000 | 1,100 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 1,159 |
| Cost of funding earning assets | 0.6118% | 1,449 |
| Net interest margin | 4.0790% | 1,449 |
| Noninterest income to average assets | 0.5647% | 2,645 |
| Noninterest expense to average assets | 2.8566% | 2,545 |
| Loan and lease loss provision to assets | 0.2805% | 581 |
| Net operating income to assets | 0.9566% | 2,733 |
| Return on assets (ROA) | 0.9566% | 2,796 |
| Pretax return on assets | 1.3529% | 2,270 |
| Return on Equity (ROE) | 9.6682% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.6682% | 661 |
| Net charge-offs to loans | 0.0024% | 3,674 |
| Credit loss provision to net charge-offs | 13,450.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 782.8604% | 138 |
| Efficiency ratio | 63.6200% | 3,620 |
| Assets per employee ($millions) | 5.7825% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 3,054 |
| Loan loss allowance to noncurrent loans | 922.3140% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 4,214 |
| Noncurrent loans to loans | 0.1275% | 4,550 |
| Net loans and leases to total assets | 88.1512% | 148 |
| Net loans and leases to deposits | 101.1276% | 670 |
| Net loans and leases to core deposits | 123.6169% | 473 |
| Total domestic deposits to total assets | 87.1683% | 1,787 |
| Equity capital to assets | 10.3523% | 3,534 |
| Core capital (leverage) ratio | 10.4213% | 3,064 |
| Tier 1 risk-based capital ratio | 11.2849% | 5,088 |
| Total risk-based capital ratio | 12.4606% | 5,028 |
| Memoranda: | ||
| Average total assets | $511,371,500 | 1,383 |
| Average earning assets | $492,101,500 | 1,333 |
| Average equity | $50,597,750 | 1,523 |
| Average total loans | $453,716,500 | 1,123 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 1,240 |
| Cost of funding earning assets | 0.5980% | 1,464 |
| Net interest margin | 4.0085% | 1,577 |
| Noninterest income to average assets | 0.6061% | 2,428 |
| Noninterest expense to average assets | 2.8527% | 2,573 |
| Loan and lease loss provision to assets | 0.3231% | 458 |
| Net operating income to assets | 0.9086% | 2,871 |
| Return on assets (ROA) | 0.9086% | 2,919 |
| Pretax return on assets | 1.2860% | 2,440 |
| Return on Equity (ROE) | 9.3349% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.3349% | 748 |
| Net charge-offs to loans | 0.0049% | 3,294 |
| Credit loss provision to net charge-offs | 7,409.0909% | 51 |
| Earnings coverage of net charge-offs (x) | 369.0000% | 232 |
| Efficiency ratio | 63.9360% | 3,683 |
| Assets per employee ($millions) | 5.3401% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,349 |
| Loan loss allowance to noncurrent loans | 856.0386% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 4,232 |
| Noncurrent loans to loans | 0.1336% | 4,581 |
| Net loans and leases to total assets | 87.8067% | 156 |
| Net loans and leases to deposits | 100.0002% | 736 |
| Net loans and leases to core deposits | 121.8612% | 495 |
| Total domestic deposits to total assets | 87.8065% | 1,559 |
| Equity capital to assets | 10.2580% | 3,609 |
| Core capital (leverage) ratio | 10.3421% | 3,087 |
| Tier 1 risk-based capital ratio | 11.2514% | 5,116 |
| Total risk-based capital ratio | 12.3961% | 5,062 |
| Memoranda: | ||
| Average total assets | $504,500,000 | 1,403 |
| Average earning assets | $485,266,330 | 1,356 |
| Average equity | $49,106,000 | 1,553 |
| Average total loans | $446,778,000 | 1,142 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 1,366 |
| Cost of funding earning assets | 0.5850% | 1,477 |
| Net interest margin | 3.9177% | 1,718 |
| Noninterest income to average assets | 0.4355% | 3,411 |
| Noninterest expense to average assets | 2.8278% | 2,695 |
| Loan and lease loss provision to assets | 0.3515% | 337 |
| Net operating income to assets | 0.7304% | 3,557 |
| Return on assets (ROA) | 0.7304% | 3,608 |
| Pretax return on assets | 1.0220% | 3,278 |
| Return on Equity (ROE) | 7.7236% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.7236% | 1,565 |
| Net charge-offs to loans | 0.0612% | 1,717 |
| Credit loss provision to net charge-offs | 649.2537% | 482 |
| Earnings coverage of net charge-offs (x) | 25.3731% | 1,333 |
| Efficiency ratio | 67.3077% | 3,299 |
| Assets per employee ($millions) | 5.4171% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,773 |
| Loan loss allowance to noncurrent loans | 716.5932% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 4,178 |
| Noncurrent loans to loans | 0.1519% | 4,580 |
| Net loans and leases to total assets | 87.0725% | 154 |
| Net loans and leases to deposits | 103.1615% | 440 |
| Net loans and leases to core deposits | 123.5956% | 369 |
| Total domestic deposits to total assets | 84.4041% | 3,332 |
| Equity capital to assets | 9.5705% | 4,213 |
| Core capital (leverage) ratio | 10.0137% | 3,476 |
| Tier 1 risk-based capital ratio | 10.5033% | 5,538 |
| Total risk-based capital ratio | 11.5830% | 5,543 |
| Memoranda: | ||
| Average total assets | $495,085,500 | 1,432 |
| Average earning assets | $475,894,500 | 1,388 |
| Average equity | $46,817,500 | 1,620 |
| Average total loans | $437,750,000 | 1,166 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 1,728 |
| Cost of funding earning assets | 0.5996% | 1,332 |
| Net interest margin | 3.8357% | 2,185 |
| Noninterest income to average assets | 0.8818% | 1,474 |
| Noninterest expense to average assets | 3.0187% | 2,291 |
| Loan and lease loss provision to assets | 0.3880% | 408 |
| Net operating income to assets | 0.8201% | 3,208 |
| Return on assets (ROA) | 0.8136% | 3,353 |
| Pretax return on assets | 1.1407% | 2,935 |
| Return on Equity (ROE) | 8.1325% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.1325% | 808 |
| Net charge-offs to loans | 0.1117% | 2,150 |
| Credit loss provision to net charge-offs | 400.4854% | 791 |
| Earnings coverage of net charge-offs (x) | 15.8738% | 2,161 |
| Efficiency ratio | 66.2383% | 3,557 |
| Assets per employee ($millions) | 5.5283% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,971 |
| Loan loss allowance to noncurrent loans | 338.9932% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 4,017 |
| Noncurrent loans to loans | 0.3115% | 4,028 |
| Net loans and leases to total assets | 87.8919% | 129 |
| Net loans and leases to deposits | 100.5566% | 636 |
| Net loans and leases to core deposits | 121.0618% | 456 |
| Total domestic deposits to total assets | 87.4054% | 1,929 |
| Equity capital to assets | 9.3357% | 4,437 |
| Core capital (leverage) ratio | 9.3981% | 4,224 |
| Tier 1 risk-based capital ratio | 10.2141% | 5,679 |
| Total risk-based capital ratio | 11.2648% | 5,690 |
| Memoranda: | ||
| Average total assets | $425,251,800 | 1,599 |
| Average earning assets | $407,405,600 | 1,544 |
| Average equity | $42,545,200 | 1,738 |
| Average total loans | $368,757,200 | 1,277 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 2,040 |
| Cost of funding earning assets | 0.5995% | 1,335 |
| Net interest margin | 3.7399% | 2,552 |
| Noninterest income to average assets | 0.8658% | 1,529 |
| Noninterest expense to average assets | 3.0259% | 2,241 |
| Loan and lease loss provision to assets | 0.3922% | 375 |
| Net operating income to assets | 0.7387% | 3,650 |
| Return on assets (ROA) | 0.7387% | 3,788 |
| Pretax return on assets | 1.0269% | 3,525 |
| Return on Equity (ROE) | 7.2423% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.2423% | 1,505 |
| Net charge-offs to loans | 0.1005% | 1,943 |
| Credit loss provision to net charge-offs | 453.1835% | 769 |
| Earnings coverage of net charge-offs (x) | 16.3971% | 2,113 |
| Efficiency ratio | 68.0595% | 3,215 |
| Assets per employee ($millions) | 5.3868% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 4,191 |
| Loan loss allowance to noncurrent loans | 273.8312% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 3,680 |
| Noncurrent loans to loans | 0.3792% | 3,903 |
| Net loans and leases to total assets | 86.7497% | 203 |
| Net loans and leases to deposits | 99.9406% | 711 |
| Net loans and leases to core deposits | 118.5335% | 557 |
| Total domestic deposits to total assets | 86.8013% | 1,987 |
| Equity capital to assets | 9.3484% | 4,825 |
| Core capital (leverage) ratio | 9.7755% | 3,837 |
| Tier 1 risk-based capital ratio | 10.2366% | 5,724 |
| Total risk-based capital ratio | 11.2639% | 5,748 |
| Memoranda: | ||
| Average total assets | $411,324,500 | 1,641 |
| Average earning assets | $393,654,750 | 1,595 |
| Average equity | $41,956,250 | 1,771 |
| Average total loans | $354,137,000 | 1,326 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 2,267 |
| Cost of funding earning assets | 0.6072% | 1,266 |
| Net interest margin | 3.6605% | 2,858 |
| Noninterest income to average assets | 0.7924% | 1,746 |
| Noninterest expense to average assets | 3.0761% | 2,124 |
| Loan and lease loss provision to assets | 0.3096% | 563 |
| Net operating income to assets | 0.6599% | 3,998 |
| Return on assets (ROA) | 0.6599% | 4,143 |
| Pretax return on assets | 0.9045% | 3,936 |
| Return on Equity (ROE) | 6.2642% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.2642% | 1,981 |
| Net charge-offs to loans | 0.1271% | 1,572 |
| Credit loss provision to net charge-offs | 285.0467% | 1,002 |
| Earnings coverage of net charge-offs (x) | 11.1776% | 2,279 |
| Efficiency ratio | 71.6872% | 2,716 |
| Assets per employee ($millions) | 4.9360% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 4,556 |
| Loan loss allowance to noncurrent loans | 347.2091% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 3,973 |
| Noncurrent loans to loans | 0.2870% | 4,346 |
| Net loans and leases to total assets | 86.9036% | 196 |
| Net loans and leases to deposits | 104.4392% | 439 |
| Net loans and leases to core deposits | 123.6220% | 417 |
| Total domestic deposits to total assets | 83.2098% | 3,570 |
| Equity capital to assets | 10.0846% | 4,120 |
| Core capital (leverage) ratio | 10.3867% | 3,092 |
| Tier 1 risk-based capital ratio | 10.9173% | 5,464 |
| Total risk-based capital ratio | 11.8936% | 5,521 |
| Memoranda: | ||
| Average total assets | $394,010,670 | 1,714 |
| Average earning assets | $376,509,330 | 1,659 |
| Average equity | $41,505,670 | 1,785 |
| Average total loans | $336,816,330 | 1,386 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 2,205 |
| Cost of funding earning assets | 0.6208% | 1,215 |
| Net interest margin | 3.6576% | 2,861 |
| Noninterest income to average assets | 0.4774% | 3,289 |
| Noninterest expense to average assets | 3.0795% | 2,147 |
| Loan and lease loss provision to assets | 0.2098% | 926 |
| Net operating income to assets | 0.5152% | 4,563 |
| Return on assets (ROA) | 0.5152% | 4,671 |
| Pretax return on assets | 0.6809% | 4,587 |
| Return on Equity (ROE) | 4.7782% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.7782% | 3,080 |
| Net charge-offs to loans | 0.0149% | 2,642 |
| Credit loss provision to net charge-offs | 1,666.6667% | 245 |
| Earnings coverage of net charge-offs (x) | 70.7500% | 688 |
| Efficiency ratio | 77.5370% | 1,962 |
| Assets per employee ($millions) | 4.9310% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 4,295 |
| Loan loss allowance to noncurrent loans | 274.9801% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 3,752 |
| Noncurrent loans to loans | 0.3850% | 4,062 |
| Net loans and leases to total assets | 83.0612% | 451 |
| Net loans and leases to deposits | 99.8088% | 633 |
| Net loans and leases to core deposits | 108.9470% | 916 |
| Total domestic deposits to total assets | 83.2204% | 3,816 |
| Equity capital to assets | 10.6300% | 3,333 |
| Core capital (leverage) ratio | 10.7552% | 2,669 |
| Tier 1 risk-based capital ratio | 12.1118% | 4,850 |
| Total risk-based capital ratio | 13.1498% | 4,883 |
| Memoranda: | ||
| Average total assets | $381,236,500 | 1,759 |
| Average earning assets | $364,066,500 | 1,709 |
| Average equity | $41,103,000 | 1,799 |
| Average total loans | $321,083,500 | 1,445 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,625 |
| Cost of funding earning assets | 0.6635% | 1,000 |
| Net interest margin | 3.5161% | 3,462 |
| Noninterest income to average assets | 0.6619% | 2,396 |
| Noninterest expense to average assets | 2.9870% | 2,594 |
| Loan and lease loss provision to assets | 0.2002% | 1,071 |
| Net operating income to assets | 0.5818% | 4,373 |
| Return on assets (ROA) | 0.5816% | 4,465 |
| Pretax return on assets | 0.8251% | 4,114 |
| Return on Equity (ROE) | 5.9878% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.9878% | 1,794 |
| Net charge-offs to loans | 0.1394% | 1,957 |
| Credit loss provision to net charge-offs | 172.4490% | 1,561 |
| Earnings coverage of net charge-offs (x) | 8.8342% | 2,891 |
| Efficiency ratio | 74.4114% | 2,516 |
| Assets per employee ($millions) | 5.1085% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 4,389 |
| Loan loss allowance to noncurrent loans | 615.4135% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 3,770 |
| Noncurrent loans to loans | 0.1688% | 4,816 |
| Net loans and leases to total assets | 83.6275% | 423 |
| Net loans and leases to deposits | 99.7381% | 692 |
| Net loans and leases to core deposits | 109.6421% | 874 |
| Total domestic deposits to total assets | 83.8471% | 3,546 |
| Equity capital to assets | 10.9398% | 2,885 |
| Core capital (leverage) ratio | 11.4312% | 2,013 |
| Tier 1 risk-based capital ratio | 12.7303% | 4,491 |
| Total risk-based capital ratio | 13.7774% | 4,515 |
| Memoranda: | ||
| Average total assets | $337,666,400 | 1,942 |
| Average earning assets | $321,777,000 | 1,883 |
| Average equity | $32,800,200 | 2,156 |
| Average total loans | $281,234,400 | 1,548 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 2,640 |
| Cost of funding earning assets | 0.6847% | 909 |
| Net interest margin | 3.4965% | 3,550 |
| Noninterest income to average assets | 0.6730% | 2,368 |
| Noninterest expense to average assets | 3.0047% | 2,509 |
| Loan and lease loss provision to assets | 0.2011% | 1,001 |
| Net operating income to assets | 0.5699% | 4,527 |
| Return on assets (ROA) | 0.5696% | 4,614 |
| Pretax return on assets | 0.7963% | 4,351 |
| Return on Equity (ROE) | 6.0819% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.0819% | 2,195 |
| Net charge-offs to loans | 0.1926% | 1,328 |
| Credit loss provision to net charge-offs | 125.8883% | 1,915 |
| Earnings coverage of net charge-offs (x) | 6.2462% | 3,077 |
| Efficiency ratio | 75.0405% | 2,397 |
| Assets per employee ($millions) | 5.0610% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 4,377 |
| Loan loss allowance to noncurrent loans | 641.4938% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 3,844 |
| Noncurrent loans to loans | 0.1671% | 4,984 |
| Net loans and leases to total assets | 81.7287% | 607 |
| Net loans and leases to deposits | 91.2572% | 1,493 |
| Net loans and leases to core deposits | 100.3153% | 1,485 |
| Total domestic deposits to total assets | 89.5587% | 750 |
| Equity capital to assets | 9.1839% | 5,133 |
| Core capital (leverage) ratio | 9.3295% | 4,545 |
| Tier 1 risk-based capital ratio | 10.9329% | 5,686 |
| Total risk-based capital ratio | 12.0209% | 5,702 |
| Memoranda: | ||
| Average total assets | $328,852,250 | 2,013 |
| Average earning assets | $313,140,000 | 1,947 |
| Average equity | $30,801,000 | 2,280 |
| Average total loans | $272,758,000 | 1,611 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 2,674 |
| Cost of funding earning assets | 0.6879% | 897 |
| Net interest margin | 3.4739% | 3,607 |
| Noninterest income to average assets | 0.6055% | 2,701 |
| Noninterest expense to average assets | 2.9963% | 2,562 |
| Loan and lease loss provision to assets | 0.1962% | 1,012 |
| Net operating income to assets | 0.5117% | 4,717 |
| Return on assets (ROA) | 0.5117% | 4,831 |
| Pretax return on assets | 0.7185% | 4,603 |
| Return on Equity (ROE) | 5.4250% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.4250% | 2,583 |
| Net charge-offs to loans | 0.2183% | 1,168 |
| Credit loss provision to net charge-offs | 108.2192% | 1,944 |
| Earnings coverage of net charge-offs (x) | 5.0445% | 2,965 |
| Efficiency ratio | 76.5799% | 2,267 |
| Assets per employee ($millions) | 4.9067% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 4,496 |
| Loan loss allowance to noncurrent loans | 736.9193% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 3,961 |
| Noncurrent loans to loans | 0.1450% | 5,168 |
| Net loans and leases to total assets | 84.8789% | 300 |
| Net loans and leases to deposits | 95.3588% | 1,013 |
| Net loans and leases to core deposits | 106.3091% | 1,055 |
| Total domestic deposits to total assets | 89.0101% | 1,136 |
| Equity capital to assets | 9.5274% | 4,618 |
| Core capital (leverage) ratio | 9.5239% | 4,253 |
| Tier 1 risk-based capital ratio | 11.0070% | 5,706 |
| Total risk-based capital ratio | 12.0959% | 5,709 |
| Memoranda: | ||
| Average total assets | $322,066,670 | 2,064 |
| Average earning assets | $306,454,330 | 2,005 |
| Average equity | $30,377,670 | 2,313 |
| Average total loans | $267,512,000 | 1,643 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 2,699 |
| Cost of funding earning assets | 0.6884% | 903 |
| Net interest margin | 3.4446% | 3,647 |
| Noninterest income to average assets | 0.2774% | 4,954 |
| Noninterest expense to average assets | 2.8564% | 3,044 |
| Loan and lease loss provision to assets | 0.1129% | 1,829 |
| Net operating income to assets | 0.4254% | 4,970 |
| Return on assets (ROA) | 0.4254% | 5,094 |
| Pretax return on assets | 0.5861% | 4,956 |
| Return on Equity (ROE) | 4.5342% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.5342% | 3,306 |
| Net charge-offs to loans | 0.2920% | 819 |
| Credit loss provision to net charge-offs | 47.3684% | 2,126 |
| Earnings coverage of net charge-offs (x) | 2.9316% | 2,678 |
| Efficiency ratio | 80.3036% | 1,860 |
| Assets per employee ($millions) | 5.4265% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 4,585 |
| Loan loss allowance to noncurrent loans | 480.8652% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 3,853 |
| Noncurrent loans to loans | 0.2259% | 4,964 |
| Net loans and leases to total assets | 80.8280% | 589 |
| Net loans and leases to deposits | 91.0433% | 1,290 |
| Net loans and leases to core deposits | 100.7014% | 1,274 |
| Total domestic deposits to total assets | 88.7798% | 1,404 |
| Equity capital to assets | 9.5120% | 4,740 |
| Core capital (leverage) ratio | 9.6721% | 4,047 |
| Tier 1 risk-based capital ratio | 11.2466% | 5,690 |
| Total risk-based capital ratio | 12.3283% | 5,690 |
| Memoranda: | ||
| Average total assets | $318,726,500 | 2,095 |
| Average earning assets | $303,318,000 | 2,033 |
| Average equity | $29,906,000 | 2,362 |
| Average total loans | $260,242,500 | 1,682 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1718% | 3,039 |
| Cost of funding earning assets | 0.7069% | 1,067 |
| Net interest margin | 3.4649% | 3,922 |
| Noninterest income to average assets | 0.1959% | 5,683 |
| Noninterest expense to average assets | 2.7467% | 3,689 |
| Loan and lease loss provision to assets | 0.1290% | 2,031 |
| Net operating income to assets | 0.4384% | 5,073 |
| Return on assets (ROA) | 0.4391% | 5,162 |
| Pretax return on assets | 0.6090% | 4,915 |
| Return on Equity (ROE) | 5.3349% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.3349% | 2,382 |
| Net charge-offs to loans | 0.0493% | 3,839 |
| Credit loss provision to net charge-offs | 336.9748% | 779 |
| Earnings coverage of net charge-offs (x) | 19.2521% | 1,794 |
| Efficiency ratio | 78.7884% | 2,092 |
| Assets per employee ($millions) | 4.6547% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 4,142 |
| Loan loss allowance to noncurrent loans | 411.2792% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 3,863 |
| Noncurrent loans to loans | 0.2857% | 4,827 |
| Net loans and leases to total assets | 80.6242% | 657 |
| Net loans and leases to deposits | 90.8449% | 1,426 |
| Net loans and leases to core deposits | 97.6053% | 1,581 |
| Total domestic deposits to total assets | 88.7492% | 1,390 |
| Equity capital to assets | 9.2483% | 5,010 |
| Core capital (leverage) ratio | 9.2342% | 4,627 |
| Tier 1 risk-based capital ratio | 12.0137% | 5,358 |
| Total risk-based capital ratio | 13.2642% | 5,261 |
| Memoranda: | ||
| Average total assets | $310,842,800 | 2,091 |
| Average earning assets | $294,958,400 | 2,035 |
| Average equity | $25,586,000 | 2,604 |
| Average total loans | $241,151,000 | 1,752 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 3,244 |
| Cost of funding earning assets | 0.7158% | 1,074 |
| Net interest margin | 3.4167% | 4,166 |
| Noninterest income to average assets | 0.2005% | 5,725 |
| Noninterest expense to average assets | 2.7268% | 3,725 |
| Loan and lease loss provision to assets | 0.1421% | 1,764 |
| Net operating income to assets | 0.4143% | 5,195 |
| Return on assets (ROA) | 0.4155% | 5,266 |
| Pretax return on assets | 0.5731% | 5,117 |
| Return on Equity (ROE) | 5.2100% | 4,620 |
| Retained earnings to average equity (ytd only) | 5.2100% | 2,945 |
| Net charge-offs to loans | 0.0572% | 3,399 |
| Credit loss provision to net charge-offs | 324.5098% | 860 |
| Earnings coverage of net charge-offs (x) | 16.2937% | 1,986 |
| Efficiency ratio | 79.1989% | 2,025 |
| Assets per employee ($millions) | 5.2783% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 4,294 |
| Loan loss allowance to noncurrent loans | 400.6821% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 3,974 |
| Noncurrent loans to loans | 0.2966% | 5,017 |
| Net loans and leases to total assets | 77.1199% | 1,076 |
| Net loans and leases to deposits | 86.0232% | 1,902 |
| Net loans and leases to core deposits | 94.2731% | 1,834 |
| Total domestic deposits to total assets | 89.6501% | 909 |
| Equity capital to assets | 8.1049% | 6,077 |
| Core capital (leverage) ratio | 8.1453% | 5,973 |
| Tier 1 risk-based capital ratio | 10.8495% | 6,067 |
| Total risk-based capital ratio | 12.0997% | 6,016 |
| Memoranda: | ||
| Average total assets | $310,587,750 | 2,106 |
| Average earning assets | $294,507,250 | 2,048 |
| Average equity | $24,772,000 | 2,691 |
| Average total loans | $237,832,000 | 1,781 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1251% | 3,245 |
| Cost of funding earning assets | 0.7215% | 1,076 |
| Net interest margin | 3.4036% | 4,157 |
| Noninterest income to average assets | 0.1433% | 6,102 |
| Noninterest expense to average assets | 2.7399% | 3,729 |
| Loan and lease loss provision to assets | 0.1873% | 1,300 |
| Net operating income to assets | 0.3287% | 5,469 |
| Return on assets (ROA) | 0.3306% | 5,538 |
| Pretax return on assets | 0.4447% | 5,438 |
| Return on Equity (ROE) | 4.1678% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.1678% | 3,520 |
| Net charge-offs to loans | -0.0315% | 5,704 |
| Credit loss provision to net charge-offs | -781.0811% | 5,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2620% | 1,845 |
| Assets per employee ($millions) | 5.3707% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 4,133 |
| Loan loss allowance to noncurrent loans | 254.3168% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 3,818 |
| Noncurrent loans to loans | 0.4931% | 4,514 |
| Net loans and leases to total assets | 75.3901% | 1,252 |
| Net loans and leases to deposits | 82.5068% | 2,193 |
| Net loans and leases to core deposits | 90.1125% | 2,114 |
| Total domestic deposits to total assets | 91.3745% | 288 |
| Equity capital to assets | 7.8924% | 6,211 |
| Core capital (leverage) ratio | 8.0662% | 6,048 |
| Tier 1 risk-based capital ratio | 10.7527% | 6,151 |
| Total risk-based capital ratio | 12.0035% | 6,103 |
| Memoranda: | ||
| Average total assets | $308,550,670 | 2,114 |
| Average earning assets | $292,455,670 | 2,058 |
| Average equity | $24,473,330 | 2,713 |
| Average total loans | $234,717,670 | 1,793 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 3,086 |
| Cost of funding earning assets | 0.7026% | 1,230 |
| Net interest margin | 3.4450% | 3,920 |
| Noninterest income to average assets | 0.1078% | 6,304 |
| Noninterest expense to average assets | 2.8214% | 3,487 |
| Loan and lease loss provision to assets | 0.2089% | 1,102 |
| Net operating income to assets | 0.2601% | 5,628 |
| Return on assets (ROA) | 0.2641% | 5,661 |
| Pretax return on assets | 0.3430% | 5,613 |
| Return on Equity (ROE) | 3.3216% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.3216% | 4,136 |
| Net charge-offs to loans | -0.0208% | 5,377 |
| Credit loss provision to net charge-offs | -1,325.0000% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6910% | 1,707 |
| Assets per employee ($millions) | 5.2503% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 4,437 |
| Loan loss allowance to noncurrent loans | 143.5194% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 3,043 |
| Noncurrent loans to loans | 0.8644% | 3,734 |
| Net loans and leases to total assets | 75.2617% | 1,094 |
| Net loans and leases to deposits | 82.5289% | 2,005 |
| Net loans and leases to core deposits | 89.9347% | 1,911 |
| Total domestic deposits to total assets | 91.1943% | 485 |
| Equity capital to assets | 8.0359% | 6,031 |
| Core capital (leverage) ratio | 8.4970% | 5,650 |
| Tier 1 risk-based capital ratio | 10.8278% | 6,229 |
| Total risk-based capital ratio | 12.0784% | 6,178 |
| Memoranda: | ||
| Average total assets | $304,389,500 | 2,149 |
| Average earning assets | $288,071,000 | 2,092 |
| Average equity | $24,205,500 | 2,733 |
| Average total loans | $231,114,000 | 1,812 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 3,990 |
| Cost of funding earning assets | 0.8216% | 1,086 |
| Net interest margin | 3.2065% | 4,977 |
| Noninterest income to average assets | 0.1936% | 5,932 |
| Noninterest expense to average assets | 2.5609% | 4,585 |
| Loan and lease loss provision to assets | 0.4435% | 662 |
| Net operating income to assets | 0.1947% | 5,835 |
| Return on assets (ROA) | 0.1890% | 5,922 |
| Pretax return on assets | 0.2384% | 5,869 |
| Return on Equity (ROE) | 2.3742% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.3742% | 4,553 |
| Net charge-offs to loans | 0.7208% | 900 |
| Credit loss provision to net charge-offs | 86.5729% | 2,853 |
| Earnings coverage of net charge-offs (x) | 1.3453% | 4,612 |
| Efficiency ratio | 78.7161% | 2,358 |
| Assets per employee ($millions) | 5.4332% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 4,774 |
| Loan loss allowance to noncurrent loans | 130.3176% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2394% | 2,939 |
| Noncurrent loans to loans | 0.9028% | 3,727 |
| Net loans and leases to total assets | 74.7567% | 1,249 |
| Net loans and leases to deposits | 84.8934% | 1,820 |
| Net loans and leases to core deposits | 91.0610% | 1,896 |
| Total domestic deposits to total assets | 88.0595% | 2,143 |
| Equity capital to assets | 7.8683% | 6,103 |
| Core capital (leverage) ratio | 8.1448% | 6,017 |
| Tier 1 risk-based capital ratio | 10.7343% | 6,289 |
| Total risk-based capital ratio | 11.9324% | 6,260 |
| Memoranda: | ||
| Average total assets | $305,324,800 | 2,116 |
| Average earning assets | $291,030,000 | 2,034 |
| Average equity | $24,302,800 | 2,705 |
| Average total loans | $216,967,800 | 1,887 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 4,258 |
| Cost of funding earning assets | 0.8473% | 1,065 |
| Net interest margin | 3.1185% | 5,270 |
| Noninterest income to average assets | 0.2325% | 5,772 |
| Noninterest expense to average assets | 2.4655% | 4,818 |
| Loan and lease loss provision to assets | 0.4468% | 640 |
| Net operating income to assets | 0.2264% | 5,848 |
| Return on assets (ROA) | 0.2264% | 5,927 |
| Pretax return on assets | 0.2989% | 5,879 |
| Return on Equity (ROE) | 2.8367% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.8367% | 4,623 |
| Net charge-offs to loans | 0.4861% | 1,320 |
| Credit loss provision to net charge-offs | 131.4506% | 1,797 |
| Earnings coverage of net charge-offs (x) | 2.1938% | 4,109 |
| Efficiency ratio | 76.6984% | 2,613 |
| Assets per employee ($millions) | 5.3669% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 3,941 |
| Loan loss allowance to noncurrent loans | 64.6963% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.9911% | 2,025 |
| Noncurrent loans to loans | 2.1473% | 2,073 |
| Net loans and leases to total assets | 73.3913% | 1,384 |
| Net loans and leases to deposits | 80.4177% | 2,352 |
| Net loans and leases to core deposits | 86.0715% | 2,400 |
| Total domestic deposits to total assets | 91.2626% | 436 |
| Equity capital to assets | 7.8705% | 6,224 |
| Core capital (leverage) ratio | 7.9473% | 6,258 |
| Tier 1 risk-based capital ratio | 11.1249% | 6,226 |
| Total risk-based capital ratio | 12.3776% | 6,188 |
| Memoranda: | ||
| Average total assets | $305,591,250 | 2,115 |
| Average earning assets | $291,889,750 | 2,033 |
| Average equity | $24,393,500 | 2,716 |
| Average total loans | $213,669,250 | 1,907 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 4,343 |
| Cost of funding earning assets | 0.8663% | 1,052 |
| Net interest margin | 3.0667% | 5,374 |
| Noninterest income to average assets | 0.2501% | 5,656 |
| Noninterest expense to average assets | 2.4879% | 4,778 |
| Loan and lease loss provision to assets | 0.4426% | 662 |
| Net operating income to assets | 0.1944% | 5,913 |
| Return on assets (ROA) | 0.1944% | 6,035 |
| Pretax return on assets | 0.2514% | 6,000 |
| Return on Equity (ROE) | 2.4246% | 5,824 |
| Retained earnings to average equity (ytd only) | 2.4246% | 4,755 |
| Net charge-offs to loans | 0.7531% | 854 |
| Credit loss provision to net charge-offs | 85.8958% | 2,518 |
| Earnings coverage of net charge-offs (x) | 1.3469% | 4,095 |
| Efficiency ratio | 78.1070% | 2,436 |
| Assets per employee ($millions) | 5.4579% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 4,328 |
| Loan loss allowance to noncurrent loans | 95.9986% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.3285% | 3,117 |
| Noncurrent loans to loans | 1.3933% | 3,214 |
| Net loans and leases to total assets | 66.5564% | 2,493 |
| Net loans and leases to deposits | 73.3960% | 3,242 |
| Net loans and leases to core deposits | 78.5508% | 3,220 |
| Total domestic deposits to total assets | 90.6812% | 667 |
| Equity capital to assets | 7.7881% | 6,319 |
| Core capital (leverage) ratio | 7.9802% | 6,199 |
| Tier 1 risk-based capital ratio | 11.6142% | 6,049 |
| Total risk-based capital ratio | 12.8657% | 5,998 |
| Memoranda: | ||
| Average total assets | $305,483,330 | 2,123 |
| Average earning assets | $292,036,000 | 2,037 |
| Average equity | $24,499,000 | 2,716 |
| Average total loans | $208,999,670 | 1,942 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 4,126 |
| Cost of funding earning assets | 0.8932% | 1,018 |
| Net interest margin | 3.1035% | 5,252 |
| Noninterest income to average assets | 0.2233% | 5,882 |
| Noninterest expense to average assets | 2.4634% | 4,896 |
| Loan and lease loss provision to assets | 0.4573% | 619 |
| Net operating income to assets | 0.2273% | 5,802 |
| Return on assets (ROA) | 0.2273% | 5,928 |
| Pretax return on assets | 0.2736% | 5,911 |
| Return on Equity (ROE) | 2.7929% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.7929% | 4,611 |
| Net charge-offs to loans | 0.6502% | 943 |
| Credit loss provision to net charge-offs | 102.0649% | 1,797 |
| Earnings coverage of net charge-offs (x) | 1.6313% | 3,291 |
| Efficiency ratio | 77.0376% | 2,756 |
| Assets per employee ($millions) | 5.8354% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 4,186 |
| Loan loss allowance to noncurrent loans | 77.2787% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.6145% | 2,841 |
| Noncurrent loans to loans | 1.8235% | 2,834 |
| Net loans and leases to total assets | 67.4396% | 2,116 |
| Net loans and leases to deposits | 74.7180% | 2,814 |
| Net loans and leases to core deposits | 78.7683% | 2,960 |
| Total domestic deposits to total assets | 90.2588% | 899 |
| Equity capital to assets | 8.1383% | 6,302 |
| Core capital (leverage) ratio | 8.1278% | 6,018 |
| Tier 1 risk-based capital ratio | 11.7435% | 6,065 |
| Total risk-based capital ratio | 12.9959% | 6,040 |
| Memoranda: | ||
| Average total assets | $302,673,500 | 2,168 |
| Average earning assets | $289,733,000 | 2,080 |
| Average equity | $24,634,000 | 2,743 |
| Average total loans | $208,566,500 | 1,956 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 4,178 |
| Cost of funding earning assets | 1.1360% | 785 |
| Net interest margin | 3.1667% | 5,651 |
| Noninterest income to average assets | 0.2715% | 5,519 |
| Noninterest expense to average assets | 2.3897% | 5,434 |
| Loan and lease loss provision to assets | 0.4878% | 1,248 |
| Net operating income to assets | 0.3079% | 5,444 |
| Return on assets (ROA) | 0.3050% | 5,657 |
| Pretax return on assets | 0.4139% | 5,536 |
| Return on Equity (ROE) | 3.7636% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.7636% | 3,565 |
| Net charge-offs to loans | 0.4630% | 2,384 |
| Credit loss provision to net charge-offs | 147.5463% | 1,843 |
| Earnings coverage of net charge-offs (x) | 2.7394% | 4,060 |
| Efficiency ratio | 72.4100% | 3,342 |
| Assets per employee ($millions) | 6.0381% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 4,203 |
| Loan loss allowance to noncurrent loans | 72.2635% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.6661% | 2,897 |
| Noncurrent loans to loans | 1.9268% | 2,775 |
| Net loans and leases to total assets | 68.4487% | 2,110 |
| Net loans and leases to deposits | 76.0338% | 2,807 |
| Net loans and leases to core deposits | 80.0221% | 2,995 |
| Total domestic deposits to total assets | 90.0240% | 935 |
| Equity capital to assets | 8.1393% | 6,328 |
| Core capital (leverage) ratio | 8.1391% | 6,054 |
| Tier 1 risk-based capital ratio | 11.7803% | 5,917 |
| Total risk-based capital ratio | 13.0331% | 5,885 |
| Memoranda: | ||
| Average total assets | $277,393,400 | 2,291 |
| Average earning assets | $264,880,200 | 2,196 |
| Average equity | $22,478,400 | 2,918 |
| Average total loans | $198,054,400 | 2,020 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 4,014 |
| Cost of funding earning assets | 1.1742% | 782 |
| Net interest margin | 3.2331% | 5,603 |
| Noninterest income to average assets | 0.2639% | 5,668 |
| Noninterest expense to average assets | 2.4462% | 5,249 |
| Loan and lease loss provision to assets | 0.4556% | 1,366 |
| Net operating income to assets | 0.2985% | 5,621 |
| Return on assets (ROA) | 0.3008% | 5,817 |
| Pretax return on assets | 0.4497% | 5,597 |
| Return on Equity (ROE) | 3.7166% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.7166% | 4,272 |
| Net charge-offs to loans | 0.5035% | 2,105 |
| Credit loss provision to net charge-offs | 125.7802% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.4898% | 4,046 |
| Efficiency ratio | 72.9448% | 3,153 |
| Assets per employee ($millions) | 6.1647% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 4,717 |
| Loan loss allowance to noncurrent loans | 79.4765% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.5031% | 3,334 |
| Noncurrent loans to loans | 1.6631% | 3,297 |
| Net loans and leases to total assets | 68.8487% | 2,143 |
| Net loans and leases to deposits | 76.7919% | 2,857 |
| Net loans and leases to core deposits | 81.1599% | 3,070 |
| Total domestic deposits to total assets | 89.6563% | 1,042 |
| Equity capital to assets | 7.6679% | 6,721 |
| Core capital (leverage) ratio | 7.7306% | 6,506 |
| Tier 1 risk-based capital ratio | 11.0953% | 6,446 |
| Total risk-based capital ratio | 12.3470% | 6,417 |
| Memoranda: | ||
| Average total assets | $271,265,500 | 2,354 |
| Average earning assets | $258,776,000 | 2,268 |
| Average equity | $21,954,750 | 3,002 |
| Average total loans | $195,176,000 | 2,074 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 3,812 |
| Cost of funding earning assets | 1.2059% | 794 |
| Net interest margin | 3.2831% | 5,491 |
| Noninterest income to average assets | 0.1245% | 6,561 |
| Noninterest expense to average assets | 2.4594% | 5,262 |
| Loan and lease loss provision to assets | 0.4625% | 1,382 |
| Net operating income to assets | 0.2305% | 5,827 |
| Return on assets (ROA) | 0.1660% | 6,184 |
| Pretax return on assets | 0.2391% | 6,079 |
| Return on Equity (ROE) | 2.0121% | 6,037 |
| Retained earnings to average equity (ytd only) | 2.0121% | 5,193 |
| Net charge-offs to loans | 0.4957% | 2,101 |
| Credit loss provision to net charge-offs | 128.2427% | 2,149 |
| Earnings coverage of net charge-offs (x) | 2.2050% | 3,880 |
| Efficiency ratio | 75.4520% | 2,832 |
| Assets per employee ($millions) | 6.2984% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,937 |
| Loan loss allowance to noncurrent loans | 67.2578% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.7155% | 3,149 |
| Noncurrent loans to loans | 1.9160% | 3,050 |
| Net loans and leases to total assets | 72.3348% | 1,509 |
| Net loans and leases to deposits | 80.6424% | 2,289 |
| Net loans and leases to core deposits | 85.2202% | 2,529 |
| Total domestic deposits to total assets | 89.6983% | 1,103 |
| Equity capital to assets | 7.8881% | 6,639 |
| Core capital (leverage) ratio | 8.0058% | 6,270 |
| Tier 1 risk-based capital ratio | 10.7985% | 6,584 |
| Total risk-based capital ratio | 12.0499% | 6,568 |
| Memoranda: | ||
| Average total assets | $265,107,000 | 2,416 |
| Average earning assets | $252,750,330 | 2,330 |
| Average equity | $21,867,330 | 2,997 |
| Average total loans | $192,849,670 | 2,091 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 3,653 |
| Cost of funding earning assets | 1.2528% | 770 |
| Net interest margin | 3.3127% | 5,429 |
| Noninterest income to average assets | 0.0293% | 7,017 |
| Noninterest expense to average assets | 2.4933% | 5,169 |
| Loan and lease loss provision to assets | 0.2887% | 2,152 |
| Net operating income to assets | 0.3396% | 5,515 |
| Return on assets (ROA) | 0.3396% | 5,694 |
| Pretax return on assets | 0.4029% | 5,717 |
| Return on Equity (ROE) | 4.0236% | 5,286 |
| Retained earnings to average equity (ytd only) | 4.0236% | 4,172 |
| Net charge-offs to loans | 0.2450% | 2,706 |
| Credit loss provision to net charge-offs | 162.6087% | 1,565 |
| Earnings coverage of net charge-offs (x) | 3.8957% | 2,718 |
| Efficiency ratio | 78.1386% | 2,477 |
| Assets per employee ($millions) | 6.3119% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 4,982 |
| Loan loss allowance to noncurrent loans | 95.4053% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 4,001 |
| Noncurrent loans to loans | 1.3719% | 4,057 |
| Net loans and leases to total assets | 72.6447% | 1,286 |
| Net loans and leases to deposits | 81.0103% | 2,060 |
| Net loans and leases to core deposits | 86.3267% | 2,254 |
| Total domestic deposits to total assets | 89.6733% | 1,253 |
| Equity capital to assets | 8.2946% | 6,276 |
| Core capital (leverage) ratio | 8.3284% | 5,829 |
| Tier 1 risk-based capital ratio | 11.2148% | 6,433 |
| Total risk-based capital ratio | 12.4663% | 6,414 |
| Memoranda: | ||
| Average total assets | $259,096,500 | 2,487 |
| Average earning assets | $246,807,500 | 2,393 |
| Average equity | $21,871,000 | 2,990 |
| Average total loans | $187,736,000 | 2,143 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 3,481 |
| Cost of funding earning assets | 1.4111% | 992 |
| Net interest margin | 3.4627% | 5,275 |
| Noninterest income to average assets | 0.2264% | 5,917 |
| Noninterest expense to average assets | 2.4890% | 5,507 |
| Loan and lease loss provision to assets | 0.4963% | 2,124 |
| Net operating income to assets | 0.7390% | 3,297 |
| Return on assets (ROA) | 0.7114% | 3,614 |
| Pretax return on assets | 0.5098% | 4,963 |
| Return on Equity (ROE) | 7.9124% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.9124% | 1,111 |
| Net charge-offs to loans | 0.2578% | 4,162 |
| Credit loss provision to net charge-offs | 256.5421% | 939 |
| Earnings coverage of net charge-offs (x) | 5.3435% | 2,825 |
| Efficiency ratio | 70.5030% | 3,845 |
| Assets per employee ($millions) | 6.4896% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,578 |
| Loan loss allowance to noncurrent loans | 113.6447% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.1474% | 4,324 |
| Noncurrent loans to loans | 1.2111% | 4,346 |
| Net loans and leases to total assets | 70.2726% | 1,979 |
| Net loans and leases to deposits | 79.4719% | 2,616 |
| Net loans and leases to core deposits | 84.4548% | 2,825 |
| Total domestic deposits to total assets | 88.4244% | 1,895 |
| Equity capital to assets | 8.5949% | 6,018 |
| Core capital (leverage) ratio | 8.7938% | 5,113 |
| Tier 1 risk-based capital ratio | 11.7435% | 5,998 |
| Total risk-based capital ratio | 12.9955% | 5,981 |
| Memoranda: | ||
| Average total assets | $221,255,600 | 2,824 |
| Average earning assets | $210,617,800 | 2,723 |
| Average equity | $19,892,800 | 3,168 |
| Average total loans | $165,999,400 | 2,417 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 3,305 |
| Cost of funding earning assets | 1.4468% | 1,034 |
| Net interest margin | 3.5081% | 5,156 |
| Noninterest income to average assets | 0.2313% | 5,967 |
| Noninterest expense to average assets | 2.5666% | 5,211 |
| Loan and lease loss provision to assets | 0.5538% | 1,774 |
| Net operating income to assets | 0.7776% | 3,267 |
| Return on assets (ROA) | 0.7395% | 3,600 |
| Pretax return on assets | 0.4132% | 5,424 |
| Return on Equity (ROE) | 8.1187% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.1187% | 1,466 |
| Net charge-offs to loans | 0.1281% | 4,767 |
| Credit loss provision to net charge-offs | 567.9487% | 483 |
| Earnings coverage of net charge-offs (x) | 10.3079% | 1,944 |
| Efficiency ratio | 71.7011% | 3,615 |
| Assets per employee ($millions) | 6.1968% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 4,298 |
| Loan loss allowance to noncurrent loans | 106.6275% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 4,220 |
| Noncurrent loans to loans | 1.3680% | 4,245 |
| Net loans and leases to total assets | 74.8967% | 1,159 |
| Net loans and leases to deposits | 84.3803% | 1,936 |
| Net loans and leases to core deposits | 88.7614% | 2,398 |
| Total domestic deposits to total assets | 88.7610% | 1,574 |
| Equity capital to assets | 9.1852% | 5,532 |
| Core capital (leverage) ratio | 9.3298% | 4,412 |
| Tier 1 risk-based capital ratio | 12.0160% | 5,883 |
| Total risk-based capital ratio | 13.2692% | 5,872 |
| Memoranda: | ||
| Average total assets | $213,296,250 | 2,918 |
| Average earning assets | $203,106,750 | 2,817 |
| Average equity | $19,427,750 | 3,226 |
| Average total loans | $162,415,000 | 2,477 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 3,347 |
| Cost of funding earning assets | 1.4727% | 1,102 |
| Net interest margin | 3.4887% | 5,209 |
| Noninterest income to average assets | 0.2193% | 6,099 |
| Noninterest expense to average assets | 2.5966% | 5,202 |
| Loan and lease loss provision to assets | 0.5895% | 1,641 |
| Net operating income to assets | 0.6809% | 3,642 |
| Return on assets (ROA) | 0.6809% | 3,763 |
| Pretax return on assets | 0.3616% | 5,512 |
| Return on Equity (ROE) | 7.4985% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.4985% | 1,660 |
| Net charge-offs to loans | 0.1931% | 3,996 |
| Credit loss provision to net charge-offs | 400.6536% | 743 |
| Earnings coverage of net charge-offs (x) | 6.4641% | 2,392 |
| Efficiency ratio | 73.0279% | 3,540 |
| Assets per employee ($millions) | 5.5334% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 4,792 |
| Loan loss allowance to noncurrent loans | 88.5080% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 3,977 |
| Noncurrent loans to loans | 1.5335% | 4,112 |
| Net loans and leases to total assets | 76.5134% | 997 |
| Net loans and leases to deposits | 86.0497% | 1,789 |
| Net loans and leases to core deposits | 92.9159% | 2,029 |
| Total domestic deposits to total assets | 88.9177% | 1,582 |
| Equity capital to assets | 8.9799% | 5,608 |
| Core capital (leverage) ratio | 8.9398% | 4,823 |
| Tier 1 risk-based capital ratio | 11.1790% | 6,393 |
| Total risk-based capital ratio | 12.4302% | 6,386 |
| Memoranda: | ||
| Average total assets | $207,968,000 | 2,996 |
| Average earning assets | $198,410,000 | 2,893 |
| Average equity | $18,883,670 | 3,280 |
| Average total loans | $158,464,670 | 2,561 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9220% | 3,469 |
| Cost of funding earning assets | 1.4842% | 1,235 |
| Net interest margin | 3.4378% | 5,276 |
| Noninterest income to average assets | 0.1568% | 6,599 |
| Noninterest expense to average assets | 2.6503% | 5,035 |
| Loan and lease loss provision to assets | 0.5254% | 1,652 |
| Net operating income to assets | 0.6018% | 4,023 |
| Return on assets (ROA) | 0.6018% | 4,088 |
| Pretax return on assets | 0.2686% | 5,754 |
| Return on Equity (ROE) | 6.5894% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.5894% | 2,331 |
| Net charge-offs to loans | 0.3377% | 2,708 |
| Credit loss provision to net charge-offs | 206.1538% | 1,443 |
| Earnings coverage of net charge-offs (x) | 3.1154% | 2,849 |
| Efficiency ratio | 76.7786% | 3,018 |
| Assets per employee ($millions) | 5.4869% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 5,524 |
| Loan loss allowance to noncurrent loans | 131.0484% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 4,621 |
| Noncurrent loans to loans | 0.9309% | 5,173 |
| Net loans and leases to total assets | 75.7241% | 1,067 |
| Net loans and leases to deposits | 85.2812% | 1,838 |
| Net loans and leases to core deposits | 93.2973% | 1,976 |
| Total domestic deposits to total assets | 88.7934% | 1,903 |
| Equity capital to assets | 9.0171% | 5,181 |
| Core capital (leverage) ratio | 9.1150% | 4,428 |
| Tier 1 risk-based capital ratio | 11.5100% | 6,098 |
| Total risk-based capital ratio | 12.7552% | 6,079 |
| Memoranda: | ||
| Average total assets | $204,050,000 | 3,068 |
| Average earning assets | $195,123,000 | 2,943 |
| Average equity | $18,636,000 | 3,305 |
| Average total loans | $154,001,500 | 2,645 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 4,807 |
| Cost of funding earning assets | 1.7678% | 1,309 |
| Net interest margin | 3.1769% | 6,324 |
| Noninterest income to average assets | 0.1795% | 6,466 |
| Noninterest expense to average assets | 2.4265% | 6,023 |
| Loan and lease loss provision to assets | 0.3755% | 3,871 |
| Net operating income to assets | 0.5583% | 3,859 |
| Return on assets (ROA) | 0.5583% | 4,014 |
| Pretax return on assets | 0.4260% | 4,862 |
| Return on Equity (ROE) | 6.3253% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.3253% | 1,652 |
| Net charge-offs to loans | 0.1724% | 5,288 |
| Credit loss provision to net charge-offs | 301.3216% | 887 |
| Earnings coverage of net charge-offs (x) | 6.4317% | 2,360 |
| Efficiency ratio | 74.9320% | 3,218 |
| Assets per employee ($millions) | 5.8705% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 5,402 |
| Loan loss allowance to noncurrent loans | 87.7482% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.2901% | 4,452 |
| Noncurrent loans to loans | 1.3937% | 4,395 |
| Net loans and leases to total assets | 73.3247% | 1,803 |
| Net loans and leases to deposits | 83.8421% | 2,477 |
| Net loans and leases to core deposits | 90.0031% | 2,764 |
| Total domestic deposits to total assets | 87.4557% | 2,576 |
| Equity capital to assets | 9.2541% | 4,747 |
| Core capital (leverage) ratio | 9.0920% | 4,372 |
| Tier 1 risk-based capital ratio | 12.1091% | 5,376 |
| Total risk-based capital ratio | 13.3390% | 5,378 |
| Memoranda: | ||
| Average total assets | $182,155,000 | 3,343 |
| Average earning assets | $174,790,800 | 3,190 |
| Average equity | $16,078,200 | 3,741 |
| Average total loans | $131,693,400 | 3,094 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 5,040 |
| Cost of funding earning assets | 1.8046% | 1,398 |
| Net interest margin | 3.1451% | 6,495 |
| Noninterest income to average assets | 0.1882% | 6,539 |
| Noninterest expense to average assets | 2.4102% | 6,002 |
| Loan and lease loss provision to assets | 0.3600% | 3,735 |
| Net operating income to assets | 0.5437% | 4,117 |
| Return on assets (ROA) | 0.5437% | 4,286 |
| Pretax return on assets | 0.4372% | 5,120 |
| Return on Equity (ROE) | 6.2444% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.2444% | 2,235 |
| Net charge-offs to loans | 0.1923% | 4,800 |
| Credit loss provision to net charge-offs | 260.8696% | 1,266 |
| Earnings coverage of net charge-offs (x) | 5.7771% | 2,681 |
| Efficiency ratio | 74.8889% | 3,164 |
| Assets per employee ($millions) | 6.4566% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,531 |
| Loan loss allowance to noncurrent loans | 60.4319% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.6815% | 3,922 |
| Noncurrent loans to loans | 1.9738% | 3,715 |
| Net loans and leases to total assets | 70.6062% | 2,587 |
| Net loans and leases to deposits | 80.5615% | 3,349 |
| Net loans and leases to core deposits | 86.4089% | 3,593 |
| Total domestic deposits to total assets | 87.6426% | 2,188 |
| Equity capital to assets | 8.9604% | 5,636 |
| Core capital (leverage) ratio | 9.0626% | 4,584 |
| Tier 1 risk-based capital ratio | 11.7600% | 5,677 |
| Total risk-based capital ratio | 12.9298% | 5,726 |
| Memoranda: | ||
| Average total assets | $177,794,500 | 3,457 |
| Average earning assets | $170,672,250 | 3,312 |
| Average equity | $15,480,000 | 3,911 |
| Average total loans | $127,575,250 | 3,213 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 5,185 |
| Cost of funding earning assets | 1.8717% | 1,334 |
| Net interest margin | 3.0768% | 6,662 |
| Noninterest income to average assets | 0.1832% | 6,598 |
| Noninterest expense to average assets | 2.4592% | 5,882 |
| Loan and lease loss provision to assets | 0.2273% | 4,632 |
| Net operating income to assets | 0.4557% | 4,524 |
| Return on assets (ROA) | 0.4557% | 4,684 |
| Pretax return on assets | 0.4510% | 5,058 |
| Return on Equity (ROE) | 5.2913% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.2913% | 2,729 |
| Net charge-offs to loans | 0.0791% | 5,344 |
| Credit loss provision to net charge-offs | 400.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 11.9388% | 1,716 |
| Efficiency ratio | 78.1227% | 2,708 |
| Assets per employee ($millions) | 5.8742% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,901 |
| Loan loss allowance to noncurrent loans | 46.1019% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 1.8583% | 3,680 |
| Noncurrent loans to loans | 2.4064% | 3,246 |
| Net loans and leases to total assets | 73.5228% | 2,022 |
| Net loans and leases to deposits | 83.9510% | 2,878 |
| Net loans and leases to core deposits | 90.5173% | 3,188 |
| Total domestic deposits to total assets | 87.5783% | 2,216 |
| Equity capital to assets | 8.7952% | 5,760 |
| Core capital (leverage) ratio | 8.7892% | 4,933 |
| Tier 1 risk-based capital ratio | 11.2017% | 6,037 |
| Total risk-based capital ratio | 12.3031% | 6,176 |
| Memoranda: | ||
| Average total assets | $172,493,670 | 3,562 |
| Average earning assets | $165,624,000 | 3,418 |
| Average equity | $14,854,670 | 4,020 |
| Average total loans | $123,962,670 | 3,321 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 5,474 |
| Cost of funding earning assets | 1.9219% | 1,364 |
| Net interest margin | 2.9749% | 6,888 |
| Noninterest income to average assets | 0.1694% | 6,758 |
| Noninterest expense to average assets | 2.5452% | 5,562 |
| Loan and lease loss provision to assets | 0.1622% | 4,905 |
| Net operating income to assets | 0.3149% | 5,231 |
| Return on assets (ROA) | 0.3149% | 5,361 |
| Pretax return on assets | 0.3125% | 5,563 |
| Return on Equity (ROE) | 3.6990% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.6990% | 3,936 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9652% | 2,023 |
| Assets per employee ($millions) | 6.0160% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 5,718 |
| Loan loss allowance to noncurrent loans | 58.0816% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.4754% | 4,296 |
| Noncurrent loans to loans | 1.9958% | 3,795 |
| Net loans and leases to total assets | 69.5456% | 3,044 |
| Net loans and leases to deposits | 79.0447% | 3,830 |
| Net loans and leases to core deposits | 86.1470% | 3,869 |
| Total domestic deposits to total assets | 87.9826% | 2,072 |
| Equity capital to assets | 8.2470% | 6,374 |
| Core capital (leverage) ratio | 8.5620% | 5,271 |
| Tier 1 risk-based capital ratio | 10.8381% | 6,305 |
| Total risk-based capital ratio | 11.9587% | 6,420 |
| Memoranda: | ||
| Average total assets | $167,690,500 | 3,701 |
| Average earning assets | $160,676,500 | 3,552 |
| Average equity | $14,274,000 | 4,172 |
| Average total loans | $118,250,500 | 3,489 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 6,239 |
| Cost of funding earning assets | 2.3450% | 1,476 |
| Net interest margin | 2.7116% | 7,198 |
| Noninterest income to average assets | 0.1889% | 6,738 |
| Noninterest expense to average assets | 3.0309% | 4,023 |
| Loan and lease loss provision to assets | 0.9167% | 2,452 |
| Net operating income to assets | -1.4493% | 6,832 |
| Return on assets (ROA) | -1.9622% | 7,078 |
| Pretax return on assets | -1.6919% | 6,812 |
| Return on Equity (ROE) | -21.5567% | 7,192 |
| Retained earnings to average equity (ytd only) | -21.5567% | 7,161 |
| Net charge-offs to loans | 1.0997% | 2,220 |
| Credit loss provision to net charge-offs | 120.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | -0.3435% | 6,577 |
| Efficiency ratio | 109.0700% | 818 |
| Assets per employee ($millions) | 5.7470% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 5,418 |
| Loan loss allowance to noncurrent loans | 62.1275% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.4324% | 4,268 |
| Noncurrent loans to loans | 1.9174% | 3,778 |
| Net loans and leases to total assets | 69.8441% | 3,291 |
| Net loans and leases to deposits | 80.3936% | 3,918 |
| Net loans and leases to core deposits | 98.3737% | 4,190 |
| Total domestic deposits to total assets | 86.8777% | 2,572 |
| Equity capital to assets | 8.7996% | 5,441 |
| Core capital (leverage) ratio | 8.6571% | 5,003 |
| Tier 1 risk-based capital ratio | 11.3216% | 5,597 |
| Total risk-based capital ratio | 12.4421% | 5,688 |
| Memoranda: | ||
| Average total assets | $141,375,400 | 4,092 |
| Average earning assets | $134,497,800 | 4,003 |
| Average equity | $12,868,400 | 4,540 |
| Average total loans | $98,209,600 | 3,998 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 6,360 |
| Cost of funding earning assets | 2.4116% | 1,595 |
| Net interest margin | 2.6636% | 7,274 |
| Noninterest income to average assets | 0.2471% | 6,468 |
| Noninterest expense to average assets | 3.0800% | 3,722 |
| Loan and lease loss provision to assets | 0.3077% | 4,508 |
| Net operating income to assets | -0.5636% | 6,491 |
| Return on assets (ROA) | -0.5070% | 6,433 |
| Pretax return on assets | -0.5490% | 6,354 |
| Return on Equity (ROE) | -5.5158% | 6,504 |
| Retained earnings to average equity (ytd only) | -5.5158% | 6,320 |
| Net charge-offs to loans | 0.2502% | 4,489 |
| Credit loss provision to net charge-offs | 177.9661% | 2,591 |
| Earnings coverage of net charge-offs (x) | -1.7514% | 6,723 |
| Efficiency ratio | 110.4819% | 759 |
| Assets per employee ($millions) | 5.0847% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 4,854 |
| Loan loss allowance to noncurrent loans | 46.9658% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 1.8625% | 3,569 |
| Noncurrent loans to loans | 2.6557% | 2,850 |
| Net loans and leases to total assets | 66.2825% | 4,361 |
| Net loans and leases to deposits | 75.9291% | 5,061 |
| Net loans and leases to core deposits | 93.1708% | 5,113 |
| Total domestic deposits to total assets | 87.2952% | 2,020 |
| Equity capital to assets | 8.0536% | 6,796 |
| Core capital (leverage) ratio | 7.9654% | 6,422 |
| Tier 1 risk-based capital ratio | 9.6312% | 7,290 |
| Total risk-based capital ratio | 10.7027% | 7,370 |
| Memoranda: | ||
| Average total assets | $136,490,000 | 4,221 |
| Average earning assets | $129,647,500 | 4,109 |
| Average equity | $12,545,500 | 4,652 |
| Average total loans | $94,325,500 | 4,137 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 5,757 |
| Cost of funding earning assets | 2.4791% | 1,688 |
| Net interest margin | 2.7980% | 7,015 |
| Noninterest income to average assets | 0.2455% | 6,528 |
| Noninterest expense to average assets | 3.2545% | 3,137 |
| Loan and lease loss provision to assets | 0.1693% | 5,373 |
| Net operating income to assets | -0.4492% | 6,495 |
| Return on assets (ROA) | -0.3675% | 6,419 |
| Pretax return on assets | -0.4331% | 6,357 |
| Return on Equity (ROE) | -3.8156% | 6,455 |
| Retained earnings to average equity (ytd only) | -3.8156% | 6,100 |
| Net charge-offs to loans | -0.0065% | 7,560 |
| Credit loss provision to net charge-offs | -3,700.0000% | 7,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0126% | 793 |
| Assets per employee ($millions) | 4.6611% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 4,235 |
| Loan loss allowance to noncurrent loans | 72.4696% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 4,305 |
| Noncurrent loans to loans | 1.8028% | 3,799 |
| Net loans and leases to total assets | 67.6907% | 4,208 |
| Net loans and leases to deposits | 78.7510% | 4,743 |
| Net loans and leases to core deposits | 99.0042% | 4,598 |
| Total domestic deposits to total assets | 85.9554% | 2,817 |
| Equity capital to assets | 8.9314% | 5,410 |
| Core capital (leverage) ratio | 8.9498% | 4,718 |
| Tier 1 risk-based capital ratio | 10.2683% | 6,630 |
| Total risk-based capital ratio | 11.3615% | 6,738 |
| Memoranda: | ||
| Average total assets | $131,139,670 | 4,376 |
| Average earning assets | $124,159,330 | 4,266 |
| Average equity | $12,632,330 | 4,653 |
| Average total loans | $91,639,000 | 4,241 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3680% | 5,585 |
| Cost of funding earning assets | 2.5836% | 1,616 |
| Net interest margin | 2.7844% | 7,025 |
| Noninterest income to average assets | 0.2461% | 6,490 |
| Noninterest expense to average assets | 3.3314% | 2,562 |
| Loan and lease loss provision to assets | 0.1546% | 4,955 |
| Net operating income to assets | -0.4139% | 6,795 |
| Return on assets (ROA) | -0.2808% | 6,732 |
| Pretax return on assets | -0.4164% | 6,754 |
| Return on Equity (ROE) | -2.8023% | 6,756 |
| Retained earnings to average equity (ytd only) | -2.8023% | 6,245 |
| Net charge-offs to loans | -0.0089% | 7,262 |
| Credit loss provision to net charge-offs | -2,450.0000% | 6,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6044% | 699 |
| Assets per employee ($millions) | 4.0131% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 3,934 |
| Loan loss allowance to noncurrent loans | 50.3810% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 2.0394% | 2,837 |
| Noncurrent loans to loans | 2.6311% | 2,501 |
| Net loans and leases to total assets | 68.9789% | 3,920 |
| Net loans and leases to deposits | 81.6176% | 4,347 |
| Net loans and leases to core deposits | 102.4460% | 4,296 |
| Total domestic deposits to total assets | 84.5148% | 3,455 |
| Equity capital to assets | 9.8591% | 4,170 |
| Core capital (leverage) ratio | 9.6697% | 3,794 |
| Tier 1 risk-based capital ratio | 12.3458% | 4,664 |
| Total risk-based capital ratio | 13.5763% | 4,600 |
| Memoranda: | ||
| Average total assets | $126,793,000 | 4,473 |
| Average earning assets | $119,522,000 | 4,396 |
| Average equity | $12,704,000 | 4,654 |
| Average total loans | $89,505,000 | 4,326 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0416% | 5,347 |
| Cost of funding earning assets | 2.6027% | 3,671 |
| Net interest margin | 3.4389% | 5,507 |
| Noninterest income to average assets | 0.3652% | 5,793 |
| Noninterest expense to average assets | 3.7706% | 1,813 |
| Loan and lease loss provision to assets | 0.6198% | 2,353 |
| Net operating income to assets | -0.5483% | 6,957 |
| Return on assets (ROA) | -0.5483% | 6,842 |
| Pretax return on assets | -0.8039% | 6,879 |
| Return on Equity (ROE) | -4.9594% | 6,861 |
| Retained earnings to average equity (ytd only) | -4.9594% | 6,507 |
| Net charge-offs to loans | 0.5357% | 2,221 |
| Credit loss provision to net charge-offs | 158.6466% | 3,264 |
| Earnings coverage of net charge-offs (x) | -0.4712% | 6,475 |
| Efficiency ratio | 104.6410% | 849 |
| Assets per employee ($millions) | 3.7929% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 3,954 |
| Loan loss allowance to noncurrent loans | 47.0467% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.1395% | 2,296 |
| Noncurrent loans to loans | 2.7130% | 1,998 |
| Net loans and leases to total assets | 70.3852% | 3,929 |
| Net loans and leases to deposits | 84.0295% | 4,419 |
| Net loans and leases to core deposits | 103.2305% | 4,477 |
| Total domestic deposits to total assets | 83.7625% | 3,451 |
| Equity capital to assets | 10.1840% | 3,825 |
| Core capital (leverage) ratio | 10.3009% | 3,174 |
| Tier 1 risk-based capital ratio | 12.3350% | 4,561 |
| Total risk-based capital ratio | 13.5067% | 4,512 |
| Memoranda: | ||
| Average total assets | $102,131,800 | 4,989 |
| Average earning assets | $95,670,200 | 4,936 |
| Average equity | $11,291,800 | 5,042 |
| Average total loans | $74,487,200 | 4,714 |