Home > Commerce State Bank > Performance and Condition Ratios
Commerce State Bank, Performance and Condition Ratios
| 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 | 4.2006% | 891 |
| Cost of funding earning assets | 0.4908% | 782 |
| Net interest margin | 3.7098% | 1,113 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.9524% | 3,622 |
| Loan and lease loss provision to assets | -0.6400% | 4,738 |
| Net operating income to assets | 1.8530% | 384 |
| Return on assets (ROA) | 1.6074% | 629 |
| Pretax return on assets | 2.1973% | 322 |
| Return on Equity (ROE) | 15.1200% | 1,148 |
| Retained earnings to average equity (ytd only) | 15.1244% | 354 |
| Net charge-offs to loans | -0.2899% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.1458% | 4,076 |
| Assets per employee ($millions) | 11.4418% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 3,998 |
| Loan loss allowance to noncurrent loans | 2,345.4874% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,592 |
| Noncurrent loans to loans | 0.0361% | 3,638 |
| Net loans and leases to total assets | 89.9700% | 28 |
| Net loans and leases to deposits | 115.8723% | 74 |
| Net loans and leases to core deposits | 123.0114% | 207 |
| Total domestic deposits to total assets | 77.6400% | 4,285 |
| Equity capital to assets | 11.1350% | 1,134 |
| Core capital (leverage) ratio | 10.8394% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8604% | 2,533 |
| Memoranda: | ||
| Average total assets | $839,846,750 | 1,152 |
| Average earning assets | $798,694,250 | 1,116 |
| Average equity | $89,257,500 | 1,055 |
| Average total loans | $733,902,750 | 869 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 1,018 |
| Cost of funding earning assets | 0.2958% | 1,756 |
| Net interest margin | 3.6568% | 982 |
| Noninterest income to average assets | 0.2868% | 3,461 |
| Noninterest expense to average assets | 1.7596% | 4,040 |
| Loan and lease loss provision to assets | -0.2288% | 4,697 |
| Net operating income to assets | 1.6340% | 505 |
| Return on assets (ROA) | 1.6340% | 496 |
| Pretax return on assets | 2.2336% | 232 |
| Return on Equity (ROE) | 15.6262% | 767 |
| Retained earnings to average equity (ytd only) | 15.6262% | 217 |
| Net charge-offs to loans | -0.3164% | 4,652 |
| Credit loss provision to net charge-offs | 83.8145% | 1,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7428% | 4,412 |
| Assets per employee ($millions) | 11.4313% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,602 |
| Loan loss allowance to noncurrent loans | 3,195.1049% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 3,082 |
| Noncurrent loans to loans | 0.0381% | 3,664 |
| Net loans and leases to total assets | 86.4417% | 75 |
| Net loans and leases to deposits | 102.0723% | 205 |
| Net loans and leases to core deposits | 122.9084% | 170 |
| Total domestic deposits to total assets | 84.6867% | 3,551 |
| Equity capital to assets | 10.5025% | 1,431 |
| Core capital (leverage) ratio | 11.0886% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8973% | 2,534 |
| Memoranda: | ||
| Average total assets | $837,565,333 | 1,149 |
| Average earning assets | $796,535,000 | 1,130 |
| Average equity | $87,583,667 | 1,078 |
| Average total loans | $722,455,333 | 867 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 922 |
| Cost of funding earning assets | 0.2727% | 1,903 |
| Net interest margin | 3.6290% | 850 |
| Noninterest income to average assets | 0.3132% | 3,222 |
| Noninterest expense to average assets | 1.8017% | 3,935 |
| Loan and lease loss provision to assets | -0.1005% | 4,603 |
| Net operating income to assets | 1.5103% | 620 |
| Return on assets (ROA) | 1.5103% | 608 |
| Pretax return on assets | 2.0660% | 317 |
| Return on Equity (ROE) | 14.4753% | 738 |
| Retained earnings to average equity (ytd only) | 14.4753% | 333 |
| Net charge-offs to loans | -0.6831% | 4,723 |
| Credit loss provision to net charge-offs | 17.1901% | 1,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8255% | 4,413 |
| Assets per employee ($millions) | 11.0570% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,777 |
| Loan loss allowance to noncurrent loans | 3,285.4785% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 3,126 |
| Noncurrent loans to loans | 0.0437% | 3,667 |
| Net loans and leases to total assets | 83.5368% | 100 |
| Net loans and leases to deposits | 99.2177% | 195 |
| Net loans and leases to core deposits | 109.7715% | 264 |
| Total domestic deposits to total assets | 84.1954% | 3,728 |
| Equity capital to assets | 10.6564% | 1,518 |
| Core capital (leverage) ratio | 10.7013% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4062% | 2,442 |
| Memoranda: | ||
| Average total assets | $827,673,500 | 1,162 |
| Average earning assets | $787,757,000 | 1,142 |
| Average equity | $86,354,000 | 1,128 |
| Average total loans | $708,560,500 | 873 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 926 |
| Cost of funding earning assets | 0.3326% | 2,095 |
| Net interest margin | 3.9130% | 834 |
| Noninterest income to average assets | 0.5786% | 2,243 |
| Noninterest expense to average assets | 1.8425% | 4,060 |
| Loan and lease loss provision to assets | 0.4624% | 129 |
| Net operating income to assets | 1.4553% | 1,122 |
| Return on assets (ROA) | 1.4553% | 1,193 |
| Pretax return on assets | 1.9852% | 618 |
| Return on Equity (ROE) | 14.2170% | 1,124 |
| Retained earnings to average equity (ytd only) | 9.9342% | 932 |
| Net charge-offs to loans | 0.4172% | 196 |
| Credit loss provision to net charge-offs | 130.0527% | 1,581 |
| Earnings coverage of net charge-offs (x) | 6.8840% | 2,375 |
| Efficiency ratio | 42.9474% | 4,608 |
| Assets per employee ($millions) | 11.6268% | 434 |
| Cash dividends to net income (ytd only)* | 30.1245% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,693 |
| Loan loss allowance to noncurrent loans | 118.3164% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 590 |
| Noncurrent loans to loans | 1.0457% | 942 |
| Net loans and leases to total assets | 85.3751% | 77 |
| Net loans and leases to deposits | 100.6659% | 182 |
| Net loans and leases to core deposits | 111.0234% | 269 |
| Total domestic deposits to total assets | 84.8103% | 3,324 |
| Equity capital to assets | 10.2153% | 2,454 |
| Core capital (leverage) ratio | 10.5150% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5000% | 2,776 |
| Memoranda: | ||
| Average total assets | $800,161,200 | 1,161 |
| Average earning assets | $758,950,600 | 1,139 |
| Average equity | $81,909,000 | 1,182 |
| Average total loans | $681,909,800 | 899 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 977 |
| Cost of funding earning assets | 0.3520% | 2,101 |
| Net interest margin | 3.9319% | 886 |
| Noninterest income to average assets | 0.5759% | 2,319 |
| Noninterest expense to average assets | 1.9169% | 3,901 |
| Loan and lease loss provision to assets | 0.4265% | 143 |
| Net operating income to assets | 1.4359% | 1,422 |
| Return on assets (ROA) | 1.4359% | 1,490 |
| Pretax return on assets | 1.9590% | 850 |
| Return on Equity (ROE) | 14.0198% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.5377% | 935 |
| Net charge-offs to loans | 0.3733% | 208 |
| Credit loss provision to net charge-offs | 134.5745% | 1,404 |
| Earnings coverage of net charge-offs (x) | 7.5271% | 2,131 |
| Efficiency ratio | 44.5537% | 4,560 |
| Assets per employee ($millions) | 11.5685% | 420 |
| Cash dividends to net income (ytd only)* | 17.7037% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,733 |
| Loan loss allowance to noncurrent loans | 1,540.1408% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 1,987 |
| Noncurrent loans to loans | 0.0812% | 3,680 |
| Net loans and leases to total assets | 85.3442% | 78 |
| Net loans and leases to deposits | 101.4473% | 198 |
| Net loans and leases to core deposits | 111.3774% | 298 |
| Total domestic deposits to total assets | 84.1267% | 3,427 |
| Equity capital to assets | 10.4493% | 2,495 |
| Core capital (leverage) ratio | 10.3076% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9196% | 2,739 |
| Memoranda: | ||
| Average total assets | $790,919,500 | 1,180 |
| Average earning assets | $749,617,250 | 1,162 |
| Average equity | $81,007,500 | 1,214 |
| Average total loans | $671,474,250 | 931 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 953 |
| Cost of funding earning assets | 0.3768% | 2,076 |
| Net interest margin | 3.9533% | 883 |
| Noninterest income to average assets | 0.6714% | 1,924 |
| Noninterest expense to average assets | 1.9046% | 3,954 |
| Loan and lease loss provision to assets | 0.5353% | 93 |
| Net operating income to assets | 1.4465% | 1,426 |
| Return on assets (ROA) | 1.4465% | 1,496 |
| Pretax return on assets | 1.9757% | 877 |
| Return on Equity (ROE) | 14.2223% | 1,347 |
| Retained earnings to average equity (ytd only) | 10.4431% | 1,271 |
| Net charge-offs to loans | 0.2511% | 352 |
| Credit loss provision to net charge-offs | 252.7076% | 962 |
| Earnings coverage of net charge-offs (x) | 11.8544% | 1,743 |
| Efficiency ratio | 43.1334% | 4,655 |
| Assets per employee ($millions) | 10.7768% | 489 |
| Cash dividends to net income (ytd only)* | 26.5727% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 2,107 |
| Loan loss allowance to noncurrent loans | 592.8481% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 1,942 |
| Noncurrent loans to loans | 0.2310% | 3,127 |
| Net loans and leases to total assets | 81.2830% | 249 |
| Net loans and leases to deposits | 95.3907% | 405 |
| Net loans and leases to core deposits | 105.8239% | 474 |
| Total domestic deposits to total assets | 85.2106% | 3,013 |
| Equity capital to assets | 9.8362% | 3,017 |
| Core capital (leverage) ratio | 10.2782% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0890% | 2,687 |
| Memoranda: | ||
| Average total assets | $784,626,667 | 1,179 |
| Average earning assets | $743,130,667 | 1,160 |
| Average equity | $79,804,000 | 1,222 |
| Average total loans | $662,011,000 | 939 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 833 |
| Cost of funding earning assets | 0.4131% | 1,991 |
| Net interest margin | 4.0414% | 792 |
| Noninterest income to average assets | 0.6981% | 1,872 |
| Noninterest expense to average assets | 1.9186% | 3,943 |
| Loan and lease loss provision to assets | 0.6430% | 88 |
| Net operating income to assets | 1.4367% | 1,478 |
| Return on assets (ROA) | 1.4367% | 1,551 |
| Pretax return on assets | 1.9626% | 1,011 |
| Return on Equity (ROE) | 13.8767% | 1,461 |
| Retained earnings to average equity (ytd only) | 13.8767% | 773 |
| Net charge-offs to loans | -0.0123% | 3,756 |
| Credit loss provision to net charge-offs | -6,125.0000% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4063% | 4,654 |
| Assets per employee ($millions) | 10.2992% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 2,024 |
| Loan loss allowance to noncurrent loans | 132.5248% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9127% | 938 |
| Noncurrent loans to loans | 1.0455% | 1,285 |
| Net loans and leases to total assets | 86.0890% | 89 |
| Net loans and leases to deposits | 100.6857% | 270 |
| Net loans and leases to core deposits | 111.8570% | 361 |
| Total domestic deposits to total assets | 85.5027% | 2,926 |
| Equity capital to assets | 10.3735% | 2,374 |
| Core capital (leverage) ratio | 10.5197% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0341% | 2,650 |
| Memoranda: | ||
| Average total assets | $762,032,000 | 1,196 |
| Average earning assets | $721,429,000 | 1,182 |
| Average equity | $78,895,000 | 1,227 |
| Average total loans | $651,083,500 | 946 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 1,097 |
| Cost of funding earning assets | 0.9268% | 779 |
| Net interest margin | 3.6732% | 1,897 |
| Noninterest income to average assets | 0.5852% | 2,274 |
| Noninterest expense to average assets | 1.8362% | 4,413 |
| Loan and lease loss provision to assets | 0.9234% | 121 |
| Net operating income to assets | 0.9609% | 2,436 |
| Return on assets (ROA) | 0.9609% | 2,585 |
| Pretax return on assets | 1.3092% | 1,944 |
| Return on Equity (ROE) | 9.7527% | 2,093 |
| Retained earnings to average equity (ytd only) | 9.7527% | 636 |
| Net charge-offs to loans | 0.5397% | 287 |
| Credit loss provision to net charge-offs | 200.4958% | 2,159 |
| Earnings coverage of net charge-offs (x) | 4.8475% | 2,929 |
| Efficiency ratio | 45.0731% | 4,754 |
| Assets per employee ($millions) | 10.4393% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,463 |
| Loan loss allowance to noncurrent loans | 119.5983% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 1,097 |
| Noncurrent loans to loans | 1.0785% | 1,318 |
| Net loans and leases to total assets | 82.4535% | 262 |
| Net loans and leases to deposits | 96.4397% | 528 |
| Net loans and leases to core deposits | 110.0601% | 507 |
| Total domestic deposits to total assets | 85.4974% | 2,572 |
| Equity capital to assets | 10.3324% | 2,805 |
| Core capital (leverage) ratio | 10.0847% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3555% | 2,501 |
| Memoranda: | ||
| Average total assets | $744,512,600 | 1,117 |
| Average earning assets | $706,085,000 | 1,093 |
| Average equity | $73,354,000 | 1,243 |
| Average total loans | $635,332,000 | 933 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 1,478 |
| Cost of funding earning assets | 1.0476% | 647 |
| Net interest margin | 3.4942% | 2,608 |
| Noninterest income to average assets | 0.5472% | 2,395 |
| Noninterest expense to average assets | 1.8432% | 4,417 |
| Loan and lease loss provision to assets | 0.8751% | 188 |
| Net operating income to assets | 0.8425% | 2,942 |
| Return on assets (ROA) | 0.8425% | 3,069 |
| Pretax return on assets | 1.1460% | 2,575 |
| Return on Equity (ROE) | 8.6572% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.6572% | 1,092 |
| Net charge-offs to loans | 0.3649% | 434 |
| Credit loss provision to net charge-offs | 279.5298% | 1,829 |
| Earnings coverage of net charge-offs (x) | 6.4558% | 2,646 |
| Efficiency ratio | 47.6193% | 4,632 |
| Assets per employee ($millions) | 11.0944% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 2,857 |
| Loan loss allowance to noncurrent loans | 213.6426% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 2,296 |
| Noncurrent loans to loans | 0.5463% | 2,430 |
| Net loans and leases to total assets | 86.0921% | 150 |
| Net loans and leases to deposits | 100.9641% | 497 |
| Net loans and leases to core deposits | 118.9959% | 436 |
| Total domestic deposits to total assets | 85.2700% | 2,331 |
| Equity capital to assets | 9.8199% | 3,407 |
| Core capital (leverage) ratio | 9.8350% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9644% | 2,627 |
| Memoranda: | ||
| Average total assets | $742,734,250 | 1,102 |
| Average earning assets | $705,118,250 | 1,081 |
| Average equity | $72,277,250 | 1,243 |
| Average total loans | $637,205,000 | 930 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 1,543 |
| Cost of funding earning assets | 1.2132% | 481 |
| Net interest margin | 3.4347% | 2,993 |
| Noninterest income to average assets | 0.5017% | 2,556 |
| Noninterest expense to average assets | 1.8614% | 4,468 |
| Loan and lease loss provision to assets | 0.9182% | 243 |
| Net operating income to assets | 0.7278% | 3,290 |
| Return on assets (ROA) | 0.7278% | 3,398 |
| Pretax return on assets | 0.9878% | 3,067 |
| Return on Equity (ROE) | 7.5022% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.5022% | 1,463 |
| Net charge-offs to loans | 0.5602% | 284 |
| Credit loss provision to net charge-offs | 192.0888% | 1,951 |
| Earnings coverage of net charge-offs (x) | 3.9875% | 2,634 |
| Efficiency ratio | 49.2851% | 4,544 |
| Assets per employee ($millions) | 10.3778% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 3,801 |
| Loan loss allowance to noncurrent loans | 170.0570% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 2,399 |
| Noncurrent loans to loans | 0.5585% | 2,493 |
| Net loans and leases to total assets | 85.1532% | 178 |
| Net loans and leases to deposits | 100.3548% | 527 |
| Net loans and leases to core deposits | 120.1799% | 422 |
| Total domestic deposits to total assets | 84.8522% | 2,450 |
| Equity capital to assets | 9.5224% | 3,641 |
| Core capital (leverage) ratio | 9.4894% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4522% | 2,837 |
| Memoranda: | ||
| Average total assets | $735,141,000 | 1,098 |
| Average earning assets | $698,984,000 | 1,078 |
| Average equity | $71,312,000 | 1,246 |
| Average total loans | $627,330,000 | 934 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 1,234 |
| Cost of funding earning assets | 1.4347% | 340 |
| Net interest margin | 3.4485% | 3,152 |
| Noninterest income to average assets | 0.4430% | 2,829 |
| Noninterest expense to average assets | 1.9623% | 4,469 |
| Loan and lease loss provision to assets | 0.9739% | 222 |
| Net operating income to assets | 0.5866% | 3,637 |
| Return on assets (ROA) | 0.5866% | 3,697 |
| Pretax return on assets | 0.7908% | 3,436 |
| Return on Equity (ROE) | 5.9883% | 3,319 |
| Retained earnings to average equity (ytd only) | 5.9883% | 1,875 |
| Net charge-offs to loans | 0.5985% | 246 |
| Credit loss provision to net charge-offs | 191.4661% | 1,439 |
| Earnings coverage of net charge-offs (x) | 3.4694% | 2,213 |
| Efficiency ratio | 52.5011% | 4,515 |
| Assets per employee ($millions) | 9.9938% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 4,163 |
| Loan loss allowance to noncurrent loans | 148.7666% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 2,451 |
| Noncurrent loans to loans | 0.5962% | 2,507 |
| Net loans and leases to total assets | 84.0669% | 260 |
| Net loans and leases to deposits | 98.8562% | 634 |
| Net loans and leases to core deposits | 122.9623% | 386 |
| Total domestic deposits to total assets | 85.0396% | 2,396 |
| Equity capital to assets | 9.7258% | 4,018 |
| Core capital (leverage) ratio | 10.0120% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6747% | 3,192 |
| Memoranda: | ||
| Average total assets | $718,732,500 | 1,087 |
| Average earning assets | $684,478,500 | 1,059 |
| Average equity | $70,404,000 | 1,254 |
| Average total loans | $610,889,500 | 929 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 886 |
| Cost of funding earning assets | 1.6774% | 211 |
| Net interest margin | 3.5848% | 3,185 |
| Noninterest income to average assets | 0.5601% | 2,422 |
| Noninterest expense to average assets | 2.0938% | 4,380 |
| Loan and lease loss provision to assets | 0.3507% | 436 |
| Net operating income to assets | 1.1014% | 2,445 |
| Return on assets (ROA) | 1.1016% | 2,536 |
| Pretax return on assets | 1.5046% | 1,794 |
| Return on Equity (ROE) | 11.5269% | 1,682 |
| Retained earnings to average equity (ytd only) | 11.5269% | 278 |
| Net charge-offs to loans | 0.6121% | 301 |
| Credit loss provision to net charge-offs | 67.0562% | 2,947 |
| Earnings coverage of net charge-offs (x) | 3.5473% | 3,310 |
| Efficiency ratio | 52.8742% | 4,532 |
| Assets per employee ($millions) | 9.1938% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 4,385 |
| Loan loss allowance to noncurrent loans | 271.5703% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 3,432 |
| Noncurrent loans to loans | 0.2841% | 3,424 |
| Net loans and leases to total assets | 84.5199% | 276 |
| Net loans and leases to deposits | 98.0866% | 754 |
| Net loans and leases to core deposits | 121.7343% | 435 |
| Total domestic deposits to total assets | 86.1687% | 1,998 |
| Equity capital to assets | 9.8675% | 4,043 |
| Core capital (leverage) ratio | 9.9128% | 3,607 |
| Tier 1 risk-based capital ratio | 10.9989% | 4,859 |
| Total risk-based capital ratio | 11.7364% | 4,949 |
| Memoranda: | ||
| Average total assets | $687,209,600 | 1,086 |
| Average earning assets | $649,654,200 | 1,064 |
| Average equity | $65,672,200 | 1,284 |
| Average total loans | $587,162,400 | 924 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 888 |
| Cost of funding earning assets | 1.7080% | 196 |
| Net interest margin | 3.5795% | 3,304 |
| Noninterest income to average assets | 0.5067% | 2,685 |
| Noninterest expense to average assets | 2.1035% | 4,359 |
| Loan and lease loss provision to assets | 0.2835% | 529 |
| Net operating income to assets | 1.0981% | 2,576 |
| Return on assets (ROA) | 1.0983% | 2,673 |
| Pretax return on assets | 1.4996% | 1,957 |
| Return on Equity (ROE) | 11.5904% | 1,765 |
| Retained earnings to average equity (ytd only) | 11.5904% | 432 |
| Net charge-offs to loans | 0.3356% | 515 |
| Credit loss provision to net charge-offs | 98.7738% | 2,298 |
| Earnings coverage of net charge-offs (x) | 6.2126% | 2,856 |
| Efficiency ratio | 53.9738% | 4,394 |
| Assets per employee ($millions) | 9.1794% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,803 |
| Loan loss allowance to noncurrent loans | 130.9476% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 2,117 |
| Noncurrent loans to loans | 0.7290% | 2,145 |
| Net loans and leases to total assets | 85.4016% | 228 |
| Net loans and leases to deposits | 99.2241% | 704 |
| Net loans and leases to core deposits | 125.6303% | 377 |
| Total domestic deposits to total assets | 86.0694% | 1,969 |
| Equity capital to assets | 9.6021% | 4,386 |
| Core capital (leverage) ratio | 9.8517% | 3,783 |
| Tier 1 risk-based capital ratio | 10.6860% | 5,025 |
| Total risk-based capital ratio | 11.6091% | 5,043 |
| Memoranda: | ||
| Average total assets | $682,031,750 | 1,095 |
| Average earning assets | $643,943,000 | 1,071 |
| Average equity | $64,626,750 | 1,299 |
| Average total loans | $583,206,500 | 928 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 835 |
| Cost of funding earning assets | 1.6987% | 183 |
| Net interest margin | 3.5881% | 3,300 |
| Noninterest income to average assets | 0.4209% | 3,129 |
| Noninterest expense to average assets | 2.1343% | 4,352 |
| Loan and lease loss provision to assets | 0.1811% | 986 |
| Net operating income to assets | 1.0954% | 2,538 |
| Return on assets (ROA) | 1.0956% | 2,608 |
| Pretax return on assets | 1.4928% | 1,879 |
| Return on Equity (ROE) | 11.6168% | 1,732 |
| Retained earnings to average equity (ytd only) | 11.6168% | 453 |
| Net charge-offs to loans | 0.2521% | 667 |
| Credit loss provision to net charge-offs | 84.2541% | 2,185 |
| Earnings coverage of net charge-offs (x) | 7.7873% | 2,464 |
| Efficiency ratio | 55.8934% | 4,255 |
| Assets per employee ($millions) | 8.9791% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,786 |
| Loan loss allowance to noncurrent loans | 104.8754% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 1,636 |
| Noncurrent loans to loans | 0.9242% | 1,769 |
| Net loans and leases to total assets | 85.6708% | 238 |
| Net loans and leases to deposits | 100.3054% | 650 |
| Net loans and leases to core deposits | 125.4917% | 403 |
| Total domestic deposits to total assets | 85.4100% | 2,300 |
| Equity capital to assets | 9.6452% | 4,277 |
| Core capital (leverage) ratio | 9.8340% | 3,784 |
| Tier 1 risk-based capital ratio | 10.4760% | 5,113 |
| Total risk-based capital ratio | 11.3934% | 5,136 |
| Memoranda: | ||
| Average total assets | $673,770,330 | 1,106 |
| Average earning assets | $635,998,670 | 1,085 |
| Average equity | $63,546,000 | 1,315 |
| Average total loans | $574,458,670 | 945 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2171% | 878 |
| Cost of funding earning assets | 1.6505% | 192 |
| Net interest margin | 3.5665% | 3,372 |
| Noninterest income to average assets | 0.4266% | 3,001 |
| Noninterest expense to average assets | 2.1462% | 4,380 |
| Loan and lease loss provision to assets | 0.1613% | 1,045 |
| Net operating income to assets | 1.0839% | 2,532 |
| Return on assets (ROA) | 1.0839% | 2,575 |
| Pretax return on assets | 1.4824% | 1,831 |
| Return on Equity (ROE) | 11.6265% | 1,681 |
| Retained earnings to average equity (ytd only) | 11.6265% | 682 |
| Net charge-offs to loans | 0.2429% | 597 |
| Credit loss provision to net charge-offs | 78.4884% | 1,794 |
| Earnings coverage of net charge-offs (x) | 7.9971% | 2,104 |
| Efficiency ratio | 56.4717% | 4,270 |
| Assets per employee ($millions) | 8.9986% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,676 |
| Loan loss allowance to noncurrent loans | 93.3269% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 1,459 |
| Noncurrent loans to loans | 1.0757% | 1,547 |
| Net loans and leases to total assets | 83.0793% | 462 |
| Net loans and leases to deposits | 95.8135% | 985 |
| Net loans and leases to core deposits | 123.5916% | 434 |
| Total domestic deposits to total assets | 86.7095% | 1,956 |
| Equity capital to assets | 9.2902% | 4,443 |
| Core capital (leverage) ratio | 9.6395% | 3,980 |
| Tier 1 risk-based capital ratio | 10.4888% | 5,180 |
| Total risk-based capital ratio | 11.4425% | 5,194 |
| Memoranda: | ||
| Average total assets | $669,450,000 | 1,113 |
| Average earning assets | $631,314,500 | 1,092 |
| Average equity | $62,409,000 | 1,327 |
| Average total loans | $566,513,500 | 954 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 957 |
| Cost of funding earning assets | 1.3325% | 191 |
| Net interest margin | 3.7087% | 3,001 |
| Noninterest income to average assets | 0.5724% | 2,438 |
| Noninterest expense to average assets | 2.3929% | 3,898 |
| Loan and lease loss provision to assets | 0.1328% | 1,645 |
| Net operating income to assets | 1.1208% | 2,513 |
| Return on assets (ROA) | 1.1208% | 2,509 |
| Pretax return on assets | 1.5372% | 1,662 |
| Return on Equity (ROE) | 12.3802% | 1,587 |
| Retained earnings to average equity (ytd only) | 12.3802% | 290 |
| Net charge-offs to loans | -0.0295% | 4,806 |
| Credit loss provision to net charge-offs | -532.0513% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7392% | 4,045 |
| Assets per employee ($millions) | 8.3975% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,428 |
| Loan loss allowance to noncurrent loans | 96.9757% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 1,384 |
| Noncurrent loans to loans | 1.0764% | 1,515 |
| Net loans and leases to total assets | 84.4655% | 374 |
| Net loans and leases to deposits | 97.7543% | 923 |
| Net loans and leases to core deposits | 130.0989% | 323 |
| Total domestic deposits to total assets | 86.4060% | 2,051 |
| Equity capital to assets | 9.3561% | 4,261 |
| Core capital (leverage) ratio | 9.4639% | 4,154 |
| Tier 1 risk-based capital ratio | 10.4039% | 5,217 |
| Total risk-based capital ratio | 11.3915% | 5,206 |
| Memoranda: | ||
| Average total assets | $625,108,000 | 1,162 |
| Average earning assets | $588,312,000 | 1,139 |
| Average equity | $56,590,200 | 1,392 |
| Average total loans | $528,247,000 | 993 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 1,038 |
| Cost of funding earning assets | 1.2579% | 186 |
| Net interest margin | 3.6934% | 3,048 |
| Noninterest income to average assets | 0.6072% | 2,271 |
| Noninterest expense to average assets | 2.4184% | 3,811 |
| Loan and lease loss provision to assets | 0.1446% | 1,372 |
| Net operating income to assets | 1.1098% | 2,618 |
| Return on assets (ROA) | 1.1098% | 2,632 |
| Pretax return on assets | 1.5228% | 1,828 |
| Return on Equity (ROE) | 12.3689% | 1,655 |
| Retained earnings to average equity (ytd only) | 12.3689% | 432 |
| Net charge-offs to loans | -0.0405% | 4,858 |
| Credit loss provision to net charge-offs | -424.0506% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0321% | 3,961 |
| Assets per employee ($millions) | 7.7131% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,600 |
| Loan loss allowance to noncurrent loans | 517.5934% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 3,746 |
| Noncurrent loans to loans | 0.1986% | 3,999 |
| Net loans and leases to total assets | 84.3913% | 412 |
| Net loans and leases to deposits | 97.2727% | 1,020 |
| Net loans and leases to core deposits | 134.0794% | 269 |
| Total domestic deposits to total assets | 86.7575% | 1,844 |
| Equity capital to assets | 9.1172% | 4,447 |
| Core capital (leverage) ratio | 9.2631% | 4,442 |
| Tier 1 risk-based capital ratio | 10.2317% | 5,320 |
| Total risk-based capital ratio | 11.2079% | 5,343 |
| Memoranda: | ||
| Average total assets | $617,633,000 | 1,175 |
| Average earning assets | $581,712,750 | 1,156 |
| Average equity | $55,417,000 | 1,414 |
| Average total loans | $520,535,750 | 1,001 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 1,150 |
| Cost of funding earning assets | 1.1611% | 217 |
| Net interest margin | 3.6783% | 3,013 |
| Noninterest income to average assets | 0.6755% | 1,973 |
| Noninterest expense to average assets | 2.3975% | 3,904 |
| Loan and lease loss provision to assets | 0.1745% | 1,050 |
| Net operating income to assets | 1.1410% | 2,430 |
| Return on assets (ROA) | 1.1410% | 2,439 |
| Pretax return on assets | 1.5670% | 1,612 |
| Return on Equity (ROE) | 12.7898% | 1,446 |
| Retained earnings to average equity (ytd only) | 12.7898% | 414 |
| Net charge-offs to loans | -0.0977% | 5,152 |
| Credit loss provision to net charge-offs | -212.8514% | 4,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7666% | 4,272 |
| Assets per employee ($millions) | 7.9381% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,506 |
| Loan loss allowance to noncurrent loans | 862.0214% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 4,121 |
| Noncurrent loans to loans | 0.1225% | 4,359 |
| Net loans and leases to total assets | 81.0559% | 849 |
| Net loans and leases to deposits | 92.9138% | 1,488 |
| Net loans and leases to core deposits | 129.1292% | 345 |
| Total domestic deposits to total assets | 87.2377% | 1,746 |
| Equity capital to assets | 8.7105% | 4,790 |
| Core capital (leverage) ratio | 9.3273% | 4,329 |
| Tier 1 risk-based capital ratio | 10.0577% | 5,419 |
| Total risk-based capital ratio | 11.0504% | 5,422 |
| Memoranda: | ||
| Average total assets | $607,545,000 | 1,194 |
| Average earning assets | $572,054,330 | 1,176 |
| Average equity | $54,199,330 | 1,438 |
| Average total loans | $509,898,670 | 1,029 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 1,044 |
| Cost of funding earning assets | 1.0702% | 261 |
| Net interest margin | 3.7465% | 2,628 |
| Noninterest income to average assets | 0.8104% | 1,418 |
| Noninterest expense to average assets | 2.4381% | 3,841 |
| Loan and lease loss provision to assets | 0.2868% | 468 |
| Net operating income to assets | 1.1689% | 2,141 |
| Return on assets (ROA) | 1.1689% | 2,152 |
| Pretax return on assets | 1.6038% | 1,388 |
| Return on Equity (ROE) | 12.9331% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.9331% | 531 |
| Net charge-offs to loans | -0.1076% | 5,224 |
| Credit loss provision to net charge-offs | -313.4328% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1672% | 4,559 |
| Assets per employee ($millions) | 7.4596% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,621 |
| Loan loss allowance to noncurrent loans | 5,404.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,620 |
| Noncurrent loans to loans | 0.0195% | 4,903 |
| Net loans and leases to total assets | 84.8173% | 355 |
| Net loans and leases to deposits | 98.9212% | 788 |
| Net loans and leases to core deposits | 138.9475% | 228 |
| Total domestic deposits to total assets | 85.7423% | 2,657 |
| Equity capital to assets | 9.0718% | 4,489 |
| Core capital (leverage) ratio | 9.4913% | 4,077 |
| Tier 1 risk-based capital ratio | 10.0177% | 5,501 |
| Total risk-based capital ratio | 11.0117% | 5,507 |
| Memoranda: | ||
| Average total assets | $585,854,500 | 1,241 |
| Average earning assets | $550,161,500 | 1,228 |
| Average equity | $52,949,500 | 1,465 |
| Average total loans | $498,226,500 | 1,053 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 1,190 |
| Cost of funding earning assets | 0.9441% | 299 |
| Net interest margin | 3.7571% | 2,572 |
| Noninterest income to average assets | 0.6840% | 2,035 |
| Noninterest expense to average assets | 2.4265% | 3,999 |
| Loan and lease loss provision to assets | 0.1859% | 1,144 |
| Net operating income to assets | 0.9469% | 2,466 |
| Return on assets (ROA) | 0.9469% | 2,490 |
| Pretax return on assets | 1.6047% | 1,277 |
| Return on Equity (ROE) | 10.3778% | 1,735 |
| Retained earnings to average equity (ytd only) | 10.3778% | 303 |
| Net charge-offs to loans | 0.1647% | 1,488 |
| Credit loss provision to net charge-offs | 132.0375% | 1,999 |
| Earnings coverage of net charge-offs (x) | 12.7198% | 2,445 |
| Efficiency ratio | 57.3608% | 4,609 |
| Assets per employee ($millions) | 7.1867% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,948 |
| Loan loss allowance to noncurrent loans | 4,850.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 4,596 |
| Noncurrent loans to loans | 0.0206% | 4,925 |
| Net loans and leases to total assets | 83.4932% | 498 |
| Net loans and leases to deposits | 97.3826% | 954 |
| Net loans and leases to core deposits | 135.9061% | 256 |
| Total domestic deposits to total assets | 85.7372% | 2,557 |
| Equity capital to assets | 9.0029% | 4,721 |
| Core capital (leverage) ratio | 9.2959% | 4,297 |
| Tier 1 risk-based capital ratio | 10.0661% | 5,518 |
| Total risk-based capital ratio | 11.0095% | 5,542 |
| Memoranda: | ||
| Average total assets | $529,935,800 | 1,332 |
| Average earning assets | $498,339,800 | 1,311 |
| Average equity | $48,353,200 | 1,560 |
| Average total loans | $452,996,000 | 1,122 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 1,250 |
| Cost of funding earning assets | 0.9133% | 320 |
| Net interest margin | 3.7346% | 2,639 |
| Noninterest income to average assets | 0.7223% | 1,893 |
| Noninterest expense to average assets | 2.4824% | 3,795 |
| Loan and lease loss provision to assets | 0.1799% | 1,112 |
| Net operating income to assets | 0.9747% | 2,662 |
| Return on assets (ROA) | 0.9747% | 2,722 |
| Pretax return on assets | 1.5750% | 1,501 |
| Return on Equity (ROE) | 10.6437% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.6437% | 464 |
| Net charge-offs to loans | 0.0413% | 2,609 |
| Credit loss provision to net charge-offs | 507.2464% | 625 |
| Earnings coverage of net charge-offs (x) | 49.4698% | 1,122 |
| Efficiency ratio | 58.4021% | 4,450 |
| Assets per employee ($millions) | 7.2816% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,659 |
| Loan loss allowance to noncurrent loans | 2,737.0370% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,470 |
| Noncurrent loans to loans | 0.0392% | 4,940 |
| Net loans and leases to total assets | 85.1794% | 322 |
| Net loans and leases to deposits | 100.7094% | 702 |
| Net loans and leases to core deposits | 138.0907% | 227 |
| Total domestic deposits to total assets | 84.5794% | 2,889 |
| Equity capital to assets | 9.0007% | 4,912 |
| Core capital (leverage) ratio | 9.3379% | 4,361 |
| Tier 1 risk-based capital ratio | 9.9912% | 5,604 |
| Total risk-based capital ratio | 11.0184% | 5,610 |
| Memoranda: | ||
| Average total assets | $518,685,250 | 1,361 |
| Average earning assets | $488,181,000 | 1,346 |
| Average equity | $47,501,250 | 1,598 |
| Average total loans | $445,024,000 | 1,148 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 1,376 |
| Cost of funding earning assets | 0.8709% | 364 |
| Net interest margin | 3.6848% | 2,703 |
| Noninterest income to average assets | 0.7030% | 1,978 |
| Noninterest expense to average assets | 2.4839% | 3,796 |
| Loan and lease loss provision to assets | 0.1090% | 1,873 |
| Net operating income to assets | 0.9764% | 2,544 |
| Return on assets (ROA) | 0.9764% | 2,590 |
| Pretax return on assets | 1.5760% | 1,412 |
| Return on Equity (ROE) | 10.5948% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.5948% | 495 |
| Net charge-offs to loans | 0.0171% | 2,906 |
| Credit loss provision to net charge-offs | 743.2432% | 477 |
| Earnings coverage of net charge-offs (x) | 114.9189% | 595 |
| Efficiency ratio | 59.3916% | 4,409 |
| Assets per employee ($millions) | 7.3680% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,832 |
| Loan loss allowance to noncurrent loans | 657.0461% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,230 |
| Noncurrent loans to loans | 0.1604% | 4,478 |
| Net loans and leases to total assets | 85.8407% | 285 |
| Net loans and leases to deposits | 102.1045% | 604 |
| Net loans and leases to core deposits | 143.2388% | 166 |
| Total domestic deposits to total assets | 84.0714% | 3,166 |
| Equity capital to assets | 9.2369% | 4,688 |
| Core capital (leverage) ratio | 9.8047% | 3,771 |
| Tier 1 risk-based capital ratio | 10.0767% | 5,610 |
| Total risk-based capital ratio | 11.0781% | 5,637 |
| Memoranda: | ||
| Average total assets | $504,687,000 | 1,402 |
| Average earning assets | $474,708,330 | 1,384 |
| Average equity | $46,513,330 | 1,625 |
| Average total loans | $432,446,330 | 1,176 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 1,404 |
| Cost of funding earning assets | 0.8442% | 387 |
| Net interest margin | 3.6429% | 2,722 |
| Noninterest income to average assets | 0.5628% | 2,587 |
| Noninterest expense to average assets | 2.5507% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9036% | 2,740 |
| Return on assets (ROA) | 0.9036% | 2,797 |
| Pretax return on assets | 1.4413% | 1,727 |
| Return on Equity (ROE) | 9.8168% | 2,045 |
| Retained earnings to average equity (ytd only) | 9.8168% | 851 |
| Net charge-offs to loans | 0.0459% | 1,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 36.9167% | 1,086 |
| Efficiency ratio | 63.6919% | 3,889 |
| Assets per employee ($millions) | 6.9877% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,762 |
| Loan loss allowance to noncurrent loans | 1,362.0896% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 4,564 |
| Noncurrent loans to loans | 0.0801% | 4,877 |
| Net loans and leases to total assets | 84.6092% | 318 |
| Net loans and leases to deposits | 97.7122% | 790 |
| Net loans and leases to core deposits | 127.4895% | 297 |
| Total domestic deposits to total assets | 86.5902% | 2,406 |
| Equity capital to assets | 9.3882% | 4,402 |
| Core capital (leverage) ratio | 9.5027% | 4,121 |
| Tier 1 risk-based capital ratio | 10.2167% | 5,644 |
| Total risk-based capital ratio | 11.2336% | 5,672 |
| Memoranda: | ||
| Average total assets | $491,784,000 | 1,442 |
| Average earning assets | $462,929,000 | 1,424 |
| Average equity | $45,269,500 | 1,677 |
| Average total loans | $418,555,500 | 1,202 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 1,451 |
| Cost of funding earning assets | 0.8907% | 314 |
| Net interest margin | 3.6382% | 2,931 |
| Noninterest income to average assets | 1.0008% | 1,142 |
| Noninterest expense to average assets | 2.6972% | 3,345 |
| Loan and lease loss provision to assets | 0.1213% | 2,035 |
| Net operating income to assets | 0.9623% | 2,529 |
| Return on assets (ROA) | 0.9623% | 2,634 |
| Pretax return on assets | 1.5846% | 1,334 |
| Return on Equity (ROE) | 10.4282% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.4282% | 361 |
| Net charge-offs to loans | -0.0511% | 5,398 |
| Credit loss provision to net charge-offs | -283.1633% | 5,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0593% | 4,411 |
| Assets per employee ($millions) | 7.1657% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,709 |
| Loan loss allowance to noncurrent loans | 1,463.8095% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 4,662 |
| Noncurrent loans to loans | 0.0752% | 4,940 |
| Net loans and leases to total assets | 83.7492% | 409 |
| Net loans and leases to deposits | 97.2439% | 889 |
| Net loans and leases to core deposits | 127.9412% | 310 |
| Total domestic deposits to total assets | 86.1229% | 2,523 |
| Equity capital to assets | 9.0241% | 4,789 |
| Core capital (leverage) ratio | 9.4821% | 4,109 |
| Tier 1 risk-based capital ratio | 10.0199% | 5,731 |
| Total risk-based capital ratio | 11.0539% | 5,755 |
| Memoranda: | ||
| Average total assets | $457,541,800 | 1,491 |
| Average earning assets | $427,879,000 | 1,480 |
| Average equity | $42,222,200 | 1,751 |
| Average total loans | $383,198,800 | 1,242 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 1,416 |
| Cost of funding earning assets | 0.9059% | 283 |
| Net interest margin | 3.6399% | 2,926 |
| Noninterest income to average assets | 1.0132% | 1,119 |
| Noninterest expense to average assets | 2.7501% | 3,179 |
| Loan and lease loss provision to assets | 0.1130% | 2,043 |
| Net operating income to assets | 0.9413% | 2,695 |
| Return on assets (ROA) | 0.9413% | 2,826 |
| Pretax return on assets | 1.5497% | 1,536 |
| Return on Equity (ROE) | 10.1383% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.1383% | 550 |
| Net charge-offs to loans | -0.0289% | 5,148 |
| Credit loss provision to net charge-offs | -469.1358% | 5,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1175% | 4,209 |
| Assets per employee ($millions) | 7.0324% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,900 |
| Loan loss allowance to noncurrent loans | 1,358.8050% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 4,584 |
| Noncurrent loans to loans | 0.0800% | 5,031 |
| Net loans and leases to total assets | 83.4074% | 468 |
| Net loans and leases to deposits | 92.9393% | 1,377 |
| Net loans and leases to core deposits | 126.0494% | 363 |
| Total domestic deposits to total assets | 89.7439% | 580 |
| Equity capital to assets | 9.2872% | 4,878 |
| Core capital (leverage) ratio | 9.3022% | 4,454 |
| Tier 1 risk-based capital ratio | 10.2270% | 5,728 |
| Total risk-based capital ratio | 11.2460% | 5,752 |
| Memoranda: | ||
| Average total assets | $448,319,250 | 1,514 |
| Average earning assets | $418,717,750 | 1,502 |
| Average equity | $41,623,250 | 1,789 |
| Average total loans | $374,325,000 | 1,256 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 1,403 |
| Cost of funding earning assets | 0.9056% | 283 |
| Net interest margin | 3.6358% | 2,951 |
| Noninterest income to average assets | 1.0896% | 948 |
| Noninterest expense to average assets | 2.7729% | 3,125 |
| Loan and lease loss provision to assets | 0.1588% | 1,430 |
| Net operating income to assets | 0.9426% | 2,658 |
| Return on assets (ROA) | 0.9426% | 2,801 |
| Pretax return on assets | 1.5525% | 1,515 |
| Return on Equity (ROE) | 10.1537% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.1537% | 565 |
| Net charge-offs to loans | -0.0382% | 5,247 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6334% | 4,401 |
| Assets per employee ($millions) | 7.1985% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,977 |
| Loan loss allowance to noncurrent loans | 1,337.5000% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 4,314 |
| Noncurrent loans to loans | 0.0818% | 5,125 |
| Net loans and leases to total assets | 82.7185% | 544 |
| Net loans and leases to deposits | 92.0625% | 1,507 |
| Net loans and leases to core deposits | 127.3736% | 348 |
| Total domestic deposits to total assets | 89.8504% | 541 |
| Equity capital to assets | 9.1000% | 5,157 |
| Core capital (leverage) ratio | 9.3411% | 4,404 |
| Tier 1 risk-based capital ratio | 10.1493% | 5,804 |
| Total risk-based capital ratio | 11.1788% | 5,825 |
| Memoranda: | ||
| Average total assets | $440,701,330 | 1,538 |
| Average earning assets | $411,458,670 | 1,529 |
| Average equity | $40,911,330 | 1,817 |
| Average total loans | $366,662,000 | 1,278 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 1,439 |
| Cost of funding earning assets | 0.9057% | 283 |
| Net interest margin | 3.6189% | 3,010 |
| Noninterest income to average assets | 1.0836% | 919 |
| Noninterest expense to average assets | 2.8686% | 2,820 |
| Loan and lease loss provision to assets | 0.0468% | 2,982 |
| Net operating income to assets | 0.9365% | 2,576 |
| Return on assets (ROA) | 0.9365% | 2,683 |
| Pretax return on assets | 1.5397% | 1,471 |
| Return on Equity (ROE) | 9.9807% | 1,987 |
| Retained earnings to average equity (ytd only) | 9.9807% | 846 |
| Net charge-offs to loans | -0.0124% | 4,625 |
| Credit loss provision to net charge-offs | -454.5455% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1791% | 4,094 |
| Assets per employee ($millions) | 6.4717% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 4,188 |
| Loan loss allowance to noncurrent loans | 1,054.0323% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 4,179 |
| Noncurrent loans to loans | 0.1021% | 5,063 |
| Net loans and leases to total assets | 80.6790% | 717 |
| Net loans and leases to deposits | 89.8819% | 1,588 |
| Net loans and leases to core deposits | 126.5213% | 328 |
| Total domestic deposits to total assets | 89.7611% | 704 |
| Equity capital to assets | 9.2715% | 4,919 |
| Core capital (leverage) ratio | 9.8515% | 3,716 |
| Tier 1 risk-based capital ratio | 10.4136% | 5,785 |
| Total risk-based capital ratio | 11.4085% | 5,804 |
| Memoranda: | ||
| Average total assets | $427,102,000 | 1,585 |
| Average earning assets | $397,912,500 | 1,577 |
| Average equity | $40,077,500 | 1,846 |
| Average total loans | $354,333,000 | 1,313 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 1,614 |
| Cost of funding earning assets | 0.9212% | 261 |
| Net interest margin | 3.5737% | 3,234 |
| Noninterest income to average assets | 0.5575% | 2,975 |
| Noninterest expense to average assets | 2.7942% | 3,254 |
| Loan and lease loss provision to assets | 0.1693% | 1,352 |
| Net operating income to assets | 0.5624% | 4,455 |
| Return on assets (ROA) | 0.5624% | 4,545 |
| Pretax return on assets | 0.8826% | 3,912 |
| Return on Equity (ROE) | 6.0549% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.0549% | 1,765 |
| Net charge-offs to loans | 0.3197% | 936 |
| Credit loss provision to net charge-offs | 63.5386% | 3,218 |
| Earnings coverage of net charge-offs (x) | 3.9472% | 3,633 |
| Efficiency ratio | 72.6023% | 2,813 |
| Assets per employee ($millions) | 5.9949% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 3,921 |
| Loan loss allowance to noncurrent loans | 1,029.3333% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 4,075 |
| Noncurrent loans to loans | 0.1089% | 5,068 |
| Net loans and leases to total assets | 83.5544% | 430 |
| Net loans and leases to deposits | 93.3283% | 1,271 |
| Net loans and leases to core deposits | 130.7385% | 257 |
| Total domestic deposits to total assets | 89.5274% | 838 |
| Equity capital to assets | 9.5063% | 4,543 |
| Core capital (leverage) ratio | 9.4880% | 4,186 |
| Tier 1 risk-based capital ratio | 10.2634% | 5,875 |
| Total risk-based capital ratio | 11.2922% | 5,880 |
| Memoranda: | ||
| Average total assets | $383,866,200 | 1,712 |
| Average earning assets | $353,247,800 | 1,711 |
| Average equity | $35,657,000 | 1,997 |
| Average total loans | $320,025,200 | 1,388 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 1,712 |
| Cost of funding earning assets | 0.9117% | 272 |
| Net interest margin | 3.5530% | 3,329 |
| Noninterest income to average assets | 0.5719% | 2,902 |
| Noninterest expense to average assets | 2.6524% | 3,713 |
| Loan and lease loss provision to assets | 0.0706% | 2,772 |
| Net operating income to assets | 0.7088% | 3,866 |
| Return on assets (ROA) | 0.7088% | 3,971 |
| Pretax return on assets | 1.1131% | 3,164 |
| Return on Equity (ROE) | 7.6788% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.6788% | 1,381 |
| Net charge-offs to loans | 0.1678% | 1,482 |
| Credit loss provision to net charge-offs | 50.6329% | 3,025 |
| Earnings coverage of net charge-offs (x) | 8.4937% | 2,809 |
| Efficiency ratio | 69.1438% | 3,348 |
| Assets per employee ($millions) | 5.9977% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 3,638 |
| Loan loss allowance to noncurrent loans | 338.7584% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 3,145 |
| Noncurrent loans to loans | 0.3552% | 4,340 |
| Net loans and leases to total assets | 82.5161% | 525 |
| Net loans and leases to deposits | 91.9432% | 1,414 |
| Net loans and leases to core deposits | 130.4785% | 271 |
| Total domestic deposits to total assets | 89.7467% | 677 |
| Equity capital to assets | 9.3663% | 4,922 |
| Core capital (leverage) ratio | 9.4055% | 4,433 |
| Tier 1 risk-based capital ratio | 10.1813% | 5,984 |
| Total risk-based capital ratio | 11.2824% | 5,988 |
| Memoranda: | ||
| Average total assets | $377,919,250 | 1,750 |
| Average earning assets | $347,194,500 | 1,762 |
| Average equity | $34,883,000 | 2,061 |
| Average total loans | $313,913,250 | 1,415 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 1,699 |
| Cost of funding earning assets | 0.8862% | 308 |
| Net interest margin | 3.5606% | 3,246 |
| Noninterest income to average assets | 0.5617% | 2,965 |
| Noninterest expense to average assets | 2.6036% | 3,897 |
| Loan and lease loss provision to assets | 0.0811% | 2,487 |
| Net operating income to assets | 0.7288% | 3,746 |
| Return on assets (ROA) | 0.7288% | 3,866 |
| Pretax return on assets | 1.1396% | 3,010 |
| Return on Equity (ROE) | 7.9377% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.9377% | 1,293 |
| Net charge-offs to loans | 0.0815% | 2,237 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 18.0640% | 1,824 |
| Efficiency ratio | 68.0803% | 3,656 |
| Assets per employee ($millions) | 6.3089% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 3,181 |
| Loan loss allowance to noncurrent loans | 300.4940% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 2,953 |
| Noncurrent loans to loans | 0.4364% | 4,174 |
| Net loans and leases to total assets | 81.9279% | 559 |
| Net loans and leases to deposits | 92.2907% | 1,340 |
| Net loans and leases to core deposits | 108.3737% | 930 |
| Total domestic deposits to total assets | 88.7716% | 1,258 |
| Equity capital to assets | 9.1855% | 5,037 |
| Core capital (leverage) ratio | 9.6641% | 4,049 |
| Tier 1 risk-based capital ratio | 10.0577% | 6,070 |
| Total risk-based capital ratio | 11.2587% | 6,040 |
| Memoranda: | ||
| Average total assets | $369,944,670 | 1,795 |
| Average earning assets | $338,984,000 | 1,812 |
| Average equity | $33,964,670 | 2,119 |
| Average total loans | $306,676,670 | 1,448 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 1,699 |
| Cost of funding earning assets | 0.8764% | 322 |
| Net interest margin | 3.5422% | 3,253 |
| Noninterest income to average assets | 0.4163% | 3,872 |
| Noninterest expense to average assets | 2.5892% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6846% | 3,873 |
| Return on assets (ROA) | 0.6846% | 4,003 |
| Pretax return on assets | 1.0619% | 3,254 |
| Return on Equity (ROE) | 7.4585% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.4585% | 1,785 |
| Net charge-offs to loans | -0.0309% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9146% | 3,331 |
| Assets per employee ($millions) | 6.8832% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 2,857 |
| Loan loss allowance to noncurrent loans | 186.5848% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.3278% | 2,000 |
| Noncurrent loans to loans | 0.7572% | 3,360 |
| Net loans and leases to total assets | 81.4045% | 528 |
| Net loans and leases to deposits | 91.0638% | 1,287 |
| Net loans and leases to core deposits | 124.8911% | 312 |
| Total domestic deposits to total assets | 89.3928% | 1,051 |
| Equity capital to assets | 9.1314% | 5,156 |
| Core capital (leverage) ratio | 9.3769% | 4,464 |
| Tier 1 risk-based capital ratio | 9.7996% | 6,212 |
| Total risk-based capital ratio | 11.0249% | 6,185 |
| Memoranda: | ||
| Average total assets | $359,342,000 | 1,842 |
| Average earning assets | $328,154,500 | 1,879 |
| Average equity | $32,982,500 | 2,181 |
| Average total loans | $297,655,500 | 1,490 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 1,469 |
| Cost of funding earning assets | 0.8827% | 433 |
| Net interest margin | 3.7498% | 2,811 |
| Noninterest income to average assets | 0.2101% | 5,603 |
| Noninterest expense to average assets | 2.7795% | 3,560 |
| Loan and lease loss provision to assets | 0.2034% | 1,241 |
| Net operating income to assets | 0.4027% | 5,212 |
| Return on assets (ROA) | 0.4027% | 5,277 |
| Pretax return on assets | 0.6124% | 4,900 |
| Return on Equity (ROE) | 4.1839% | 5,034 |
| Retained earnings to average equity (ytd only) | 4.1839% | 3,222 |
| Net charge-offs to loans | 0.0922% | 3,176 |
| Credit loss provision to net charge-offs | 270.4000% | 947 |
| Earnings coverage of net charge-offs (x) | 10.8440% | 2,577 |
| Efficiency ratio | 77.3081% | 2,313 |
| Assets per employee ($millions) | 6.8053% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,747 |
| Loan loss allowance to noncurrent loans | 161.3186% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 1.5070% | 1,810 |
| Noncurrent loans to loans | 0.8923% | 3,088 |
| Net loans and leases to total assets | 81.9077% | 531 |
| Net loans and leases to deposits | 90.8652% | 1,419 |
| Net loans and leases to core deposits | 124.7390% | 306 |
| Total domestic deposits to total assets | 90.1420% | 676 |
| Equity capital to assets | 9.2273% | 5,033 |
| Core capital (leverage) ratio | 9.3097% | 4,526 |
| Tier 1 risk-based capital ratio | 10.4447% | 6,129 |
| Total risk-based capital ratio | 11.6960% | 6,067 |
| Memoranda: | ||
| Average total assets | $332,295,600 | 1,950 |
| Average earning assets | $299,985,400 | 1,998 |
| Average equity | $31,980,000 | 2,165 |
| Average total loans | $271,189,200 | 1,571 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,501 |
| Cost of funding earning assets | 0.8841% | 458 |
| Net interest margin | 3.7425% | 2,848 |
| Noninterest income to average assets | 0.3406% | 4,715 |
| Noninterest expense to average assets | 2.6564% | 3,991 |
| Loan and lease loss provision to assets | 0.2757% | 750 |
| Net operating income to assets | 0.5233% | 4,782 |
| Return on assets (ROA) | 0.5233% | 4,854 |
| Pretax return on assets | 0.7802% | 4,428 |
| Return on Equity (ROE) | 5.3773% | 4,544 |
| Retained earnings to average equity (ytd only) | 5.3773% | 2,836 |
| Net charge-offs to loans | 0.1718% | 2,076 |
| Credit loss provision to net charge-offs | 197.6608% | 1,278 |
| Earnings coverage of net charge-offs (x) | 7.5701% | 2,911 |
| Efficiency ratio | 71.5557% | 3,258 |
| Assets per employee ($millions) | 7.0123% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 2,870 |
| Loan loss allowance to noncurrent loans | 129.7306% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 2.6661% | 953 |
| Noncurrent loans to loans | 1.1307% | 2,797 |
| Net loans and leases to total assets | 80.9560% | 613 |
| Net loans and leases to deposits | 90.7563% | 1,357 |
| Net loans and leases to core deposits | 123.7941% | 312 |
| Total domestic deposits to total assets | 89.2016% | 1,129 |
| Equity capital to assets | 9.4818% | 4,812 |
| Core capital (leverage) ratio | 9.6790% | 4,114 |
| Tier 1 risk-based capital ratio | 10.7514% | 6,109 |
| Total risk-based capital ratio | 12.0030% | 6,062 |
| Memoranda: | ||
| Average total assets | $326,900,750 | 1,999 |
| Average earning assets | $294,516,000 | 2,047 |
| Average equity | $31,811,750 | 2,184 |
| Average total loans | $265,465,500 | 1,607 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 1,418 |
| Cost of funding earning assets | 0.8893% | 454 |
| Net interest margin | 3.7537% | 2,743 |
| Noninterest income to average assets | 0.2782% | 5,204 |
| Noninterest expense to average assets | 2.6627% | 4,007 |
| Loan and lease loss provision to assets | 0.1718% | 1,430 |
| Net operating income to assets | 0.5427% | 4,637 |
| Return on assets (ROA) | 0.5427% | 4,730 |
| Pretax return on assets | 0.8197% | 4,199 |
| Return on Equity (ROE) | 5.5267% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.5267% | 2,622 |
| Net charge-offs to loans | 0.0523% | 3,217 |
| Credit loss provision to net charge-offs | 405.8824% | 687 |
| Earnings coverage of net charge-offs (x) | 23.4265% | 1,472 |
| Efficiency ratio | 72.8666% | 3,179 |
| Assets per employee ($millions) | 7.1215% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 2,867 |
| Loan loss allowance to noncurrent loans | 181.2274% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 2.3578% | 1,238 |
| Noncurrent loans to loans | 0.8314% | 3,620 |
| Net loans and leases to total assets | 80.1333% | 675 |
| Net loans and leases to deposits | 89.5049% | 1,418 |
| Net loans and leases to core deposits | 119.4886% | 391 |
| Total domestic deposits to total assets | 89.5295% | 1,068 |
| Equity capital to assets | 9.7629% | 4,414 |
| Core capital (leverage) ratio | 9.8667% | 3,786 |
| Tier 1 risk-based capital ratio | 11.0032% | 6,050 |
| Total risk-based capital ratio | 12.2549% | 5,991 |
| Memoranda: | ||
| Average total assets | $321,332,670 | 2,036 |
| Average earning assets | $288,994,670 | 2,083 |
| Average equity | $31,555,670 | 2,186 |
| Average total loans | $259,850,670 | 1,630 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,427 |
| Cost of funding earning assets | 0.8958% | 467 |
| Net interest margin | 3.7325% | 2,740 |
| Noninterest income to average assets | 0.1345% | 6,176 |
| Noninterest expense to average assets | 2.5204% | 4,549 |
| Loan and lease loss provision to assets | 0.1144% | 2,046 |
| Net operating income to assets | 0.5745% | 4,326 |
| Return on assets (ROA) | 0.5745% | 4,401 |
| Pretax return on assets | 0.8623% | 3,852 |
| Return on Equity (ROE) | 5.8323% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.8323% | 2,633 |
| Net charge-offs to loans | -0.0249% | 5,462 |
| Credit loss provision to net charge-offs | -568.7500% | 5,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0705% | 3,475 |
| Assets per employee ($millions) | 7.7370% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,066 |
| Loan loss allowance to noncurrent loans | 133.0840% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 2.5544% | 1,237 |
| Noncurrent loans to loans | 1.1409% | 3,135 |
| Net loans and leases to total assets | 80.0301% | 546 |
| Net loans and leases to deposits | 89.3487% | 1,217 |
| Net loans and leases to core deposits | 117.9480% | 366 |
| Total domestic deposits to total assets | 89.5706% | 1,329 |
| Equity capital to assets | 9.9544% | 3,898 |
| Core capital (leverage) ratio | 9.8029% | 3,858 |
| Tier 1 risk-based capital ratio | 11.2969% | 6,020 |
| Total risk-based capital ratio | 12.5489% | 5,966 |
| Memoranda: | ||
| Average total assets | $318,205,000 | 2,054 |
| Average earning assets | $286,670,500 | 2,100 |
| Average equity | $31,342,500 | 2,190 |
| Average total loans | $256,514,500 | 1,657 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 1,556 |
| Cost of funding earning assets | 1.0472% | 359 |
| Net interest margin | 3.6593% | 3,220 |
| Noninterest income to average assets | 0.2900% | 5,279 |
| Noninterest expense to average assets | 2.7213% | 4,021 |
| Loan and lease loss provision to assets | 0.8023% | 268 |
| Net operating income to assets | 0.1042% | 6,038 |
| Return on assets (ROA) | 0.1042% | 6,088 |
| Pretax return on assets | 0.0716% | 6,127 |
| Return on Equity (ROE) | 1.0483% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.0483% | 5,370 |
| Net charge-offs to loans | 1.1070% | 506 |
| Credit loss provision to net charge-offs | 92.0059% | 2,704 |
| Earnings coverage of net charge-offs (x) | 1.0022% | 4,740 |
| Efficiency ratio | 75.6915% | 2,828 |
| Assets per employee ($millions) | 7.0932% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 3,241 |
| Loan loss allowance to noncurrent loans | 136.1588% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 2.6135% | 1,296 |
| Noncurrent loans to loans | 1.0954% | 3,344 |
| Net loans and leases to total assets | 78.7733% | 737 |
| Net loans and leases to deposits | 87.7396% | 1,496 |
| Net loans and leases to core deposits | 112.5985% | 513 |
| Total domestic deposits to total assets | 89.7808% | 1,194 |
| Equity capital to assets | 9.7459% | 4,109 |
| Core capital (leverage) ratio | 9.6755% | 4,019 |
| Tier 1 risk-based capital ratio | 11.2256% | 6,062 |
| Total risk-based capital ratio | 12.4774% | 6,008 |
| Memoranda: | ||
| Average total assets | $312,723,600 | 2,061 |
| Average earning assets | $282,461,000 | 2,096 |
| Average equity | $31,097,400 | 2,184 |
| Average total loans | $246,336,600 | 1,683 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 1,575 |
| Cost of funding earning assets | 1.0811% | 346 |
| Net interest margin | 3.6276% | 3,333 |
| Noninterest income to average assets | 0.3051% | 5,262 |
| Noninterest expense to average assets | 2.6237% | 4,313 |
| Loan and lease loss provision to assets | 0.8773% | 204 |
| Net operating income to assets | 0.1093% | 6,120 |
| Return on assets (ROA) | 0.1093% | 6,188 |
| Pretax return on assets | 0.0814% | 6,225 |
| Return on Equity (ROE) | 1.0934% | 6,160 |
| Retained earnings to average equity (ytd only) | 1.0934% | 5,539 |
| Net charge-offs to loans | 1.0967% | 516 |
| Credit loss provision to net charge-offs | 101.9422% | 2,300 |
| Earnings coverage of net charge-offs (x) | 1.1140% | 4,470 |
| Efficiency ratio | 73.2384% | 3,183 |
| Assets per employee ($millions) | 6.8152% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 2,746 |
| Loan loss allowance to noncurrent loans | 62.0553% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 3.4900% | 974 |
| Noncurrent loans to loans | 2.6848% | 1,579 |
| Net loans and leases to total assets | 76.5129% | 935 |
| Net loans and leases to deposits | 85.2107% | 1,715 |
| Net loans and leases to core deposits | 111.9304% | 510 |
| Total domestic deposits to total assets | 89.7927% | 1,111 |
| Equity capital to assets | 9.9085% | 4,038 |
| Core capital (leverage) ratio | 9.8693% | 3,863 |
| Tier 1 risk-based capital ratio | 11.7098% | 5,941 |
| Total risk-based capital ratio | 12.9636% | 5,901 |
| Memoranda: | ||
| Average total assets | $311,106,500 | 2,080 |
| Average earning assets | $281,056,750 | 2,114 |
| Average equity | $31,094,750 | 2,204 |
| Average total loans | $244,109,500 | 1,702 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,528 |
| Cost of funding earning assets | 1.1115% | 320 |
| Net interest margin | 3.6036% | 3,341 |
| Noninterest income to average assets | 0.4718% | 4,014 |
| Noninterest expense to average assets | 2.6097% | 4,344 |
| Loan and lease loss provision to assets | 1.1099% | 153 |
| Net operating income to assets | 0.0657% | 6,211 |
| Return on assets (ROA) | 0.0657% | 6,290 |
| Pretax return on assets | 0.0077% | 6,343 |
| Return on Equity (ROE) | 0.6558% | 6,282 |
| Retained earnings to average equity (ytd only) | 0.6558% | 5,637 |
| Net charge-offs to loans | 1.4228% | 383 |
| Credit loss provision to net charge-offs | 99.1364% | 2,265 |
| Earnings coverage of net charge-offs (x) | 0.9983% | 4,196 |
| Efficiency ratio | 70.0156% | 3,823 |
| Assets per employee ($millions) | 6.4836% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 2,975 |
| Loan loss allowance to noncurrent loans | 63.3692% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 3.7116% | 990 |
| Noncurrent loans to loans | 2.6063% | 1,761 |
| Net loans and leases to total assets | 76.7284% | 901 |
| Net loans and leases to deposits | 87.1807% | 1,441 |
| Net loans and leases to core deposits | 116.5769% | 380 |
| Total domestic deposits to total assets | 88.0107% | 2,242 |
| Equity capital to assets | 9.9800% | 3,939 |
| Core capital (leverage) ratio | 9.9204% | 3,635 |
| Tier 1 risk-based capital ratio | 11.6710% | 6,013 |
| Total risk-based capital ratio | 12.9246% | 5,962 |
| Memoranda: | ||
| Average total assets | $310,308,670 | 2,088 |
| Average earning assets | $280,331,330 | 2,126 |
| Average equity | $31,105,330 | 2,209 |
| Average total loans | $244,168,670 | 1,694 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 1,456 |
| Cost of funding earning assets | 1.1305% | 315 |
| Net interest margin | 3.5985% | 3,273 |
| Noninterest income to average assets | 0.4673% | 4,009 |
| Noninterest expense to average assets | 2.5276% | 4,665 |
| Loan and lease loss provision to assets | 1.1580% | 142 |
| Net operating income to assets | 0.0787% | 6,190 |
| Return on assets (ROA) | 0.0787% | 6,278 |
| Pretax return on assets | 0.0361% | 6,364 |
| Return on Equity (ROE) | 0.7838% | 6,263 |
| Retained earnings to average equity (ytd only) | 0.7838% | 5,522 |
| Net charge-offs to loans | 1.1125% | 538 |
| Credit loss provision to net charge-offs | 131.7181% | 1,502 |
| Earnings coverage of net charge-offs (x) | 1.3583% | 3,380 |
| Efficiency ratio | 67.9154% | 4,325 |
| Assets per employee ($millions) | 6.5571% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 2,836 |
| Loan loss allowance to noncurrent loans | 47.0543% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 4.1222% | 947 |
| Noncurrent loans to loans | 3.6999% | 1,275 |
| Net loans and leases to total assets | 77.6684% | 647 |
| Net loans and leases to deposits | 89.8937% | 976 |
| Net loans and leases to core deposits | 121.5871% | 264 |
| Total domestic deposits to total assets | 86.4002% | 3,300 |
| Equity capital to assets | 10.1064% | 4,011 |
| Core capital (leverage) ratio | 9.8662% | 3,579 |
| Tier 1 risk-based capital ratio | 11.6221% | 6,119 |
| Total risk-based capital ratio | 12.8771% | 6,092 |
| Memoranda: | ||
| Average total assets | $309,857,000 | 2,122 |
| Average earning assets | $280,224,500 | 2,151 |
| Average equity | $31,128,500 | 2,232 |
| Average total loans | $244,854,000 | 1,695 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 1,416 |
| Cost of funding earning assets | 1.3603% | 293 |
| Net interest margin | 3.6953% | 3,667 |
| Noninterest income to average assets | 0.5134% | 3,810 |
| Noninterest expense to average assets | 2.4871% | 5,144 |
| Loan and lease loss provision to assets | 0.9175% | 483 |
| Net operating income to assets | 0.3241% | 5,384 |
| Return on assets (ROA) | 0.3241% | 5,598 |
| Pretax return on assets | 0.4467% | 5,438 |
| Return on Equity (ROE) | 3.2779% | 5,437 |
| Retained earnings to average equity (ytd only) | 3.2779% | 3,919 |
| Net charge-offs to loans | 1.6425% | 513 |
| Credit loss provision to net charge-offs | 69.2551% | 4,196 |
| Earnings coverage of net charge-offs (x) | 1.0297% | 4,956 |
| Efficiency ratio | 64.5788% | 4,782 |
| Assets per employee ($millions) | 7.0803% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6355% | 3,161 |
| Loan loss allowance to noncurrent loans | 51.1956% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 3.8285% | 1,145 |
| Noncurrent loans to loans | 3.1945% | 1,620 |
| Net loans and leases to total assets | 77.7069% | 710 |
| Net loans and leases to deposits | 89.9231% | 1,080 |
| Net loans and leases to core deposits | 122.2988% | 258 |
| Total domestic deposits to total assets | 86.4149% | 3,143 |
| Equity capital to assets | 9.9865% | 4,184 |
| Core capital (leverage) ratio | 9.7956% | 3,663 |
| Tier 1 risk-based capital ratio | 11.6806% | 5,971 |
| Total risk-based capital ratio | 12.9342% | 5,933 |
| Memoranda: | ||
| Average total assets | $310,078,800 | 2,073 |
| Average earning assets | $280,081,800 | 2,102 |
| Average equity | $30,659,800 | 2,211 |
| Average total loans | $250,110,600 | 1,646 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0630% | 1,520 |
| Cost of funding earning assets | 1.4066% | 288 |
| Net interest margin | 3.6564% | 3,978 |
| Noninterest income to average assets | 0.4826% | 4,043 |
| Noninterest expense to average assets | 2.4293% | 5,310 |
| Loan and lease loss provision to assets | 0.8610% | 531 |
| Net operating income to assets | 0.3543% | 5,418 |
| Return on assets (ROA) | 0.3543% | 5,625 |
| Pretax return on assets | 0.4981% | 5,472 |
| Return on Equity (ROE) | 3.5922% | 5,458 |
| Retained earnings to average equity (ytd only) | 3.5922% | 4,350 |
| Net charge-offs to loans | 1.2844% | 739 |
| Credit loss provision to net charge-offs | 82.6788% | 3,541 |
| Earnings coverage of net charge-offs (x) | 1.3051% | 4,643 |
| Efficiency ratio | 64.1250% | 4,787 |
| Assets per employee ($millions) | 6.9920% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9512% | 2,323 |
| Loan loss allowance to noncurrent loans | 52.3042% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 4.9277% | 916 |
| Noncurrent loans to loans | 3.7305% | 1,429 |
| Net loans and leases to total assets | 79.5288% | 552 |
| Net loans and leases to deposits | 92.2440% | 948 |
| Net loans and leases to core deposits | 129.0709% | 199 |
| Total domestic deposits to total assets | 86.2157% | 3,137 |
| Equity capital to assets | 10.0846% | 4,381 |
| Core capital (leverage) ratio | 9.7664% | 3,845 |
| Tier 1 risk-based capital ratio | 11.5404% | 6,206 |
| Total risk-based capital ratio | 12.7985% | 6,175 |
| Memoranda: | ||
| Average total assets | $309,715,500 | 2,102 |
| Average earning assets | $280,011,000 | 2,122 |
| Average equity | $30,547,000 | 2,242 |
| Average total loans | $251,111,500 | 1,658 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0398% | 1,689 |
| Cost of funding earning assets | 1.4455% | 290 |
| Net interest margin | 3.5942% | 4,285 |
| Noninterest income to average assets | 0.4897% | 3,990 |
| Noninterest expense to average assets | 2.4413% | 5,323 |
| Loan and lease loss provision to assets | 0.8376% | 584 |
| Net operating income to assets | 0.3292% | 5,504 |
| Return on assets (ROA) | 0.3292% | 5,717 |
| Pretax return on assets | 0.4581% | 5,552 |
| Return on Equity (ROE) | 3.3632% | 5,539 |
| Retained earnings to average equity (ytd only) | 3.3632% | 4,364 |
| Net charge-offs to loans | 1.3154% | 805 |
| Credit loss provision to net charge-offs | 78.5498% | 3,358 |
| Earnings coverage of net charge-offs (x) | 1.2151% | 4,399 |
| Efficiency ratio | 65.3276% | 4,663 |
| Assets per employee ($millions) | 7.0269% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 2,307 |
| Loan loss allowance to noncurrent loans | 50.3265% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 4.8812% | 988 |
| Noncurrent loans to loans | 3.9169% | 1,420 |
| Net loans and leases to total assets | 79.3430% | 579 |
| Net loans and leases to deposits | 93.1061% | 845 |
| Net loans and leases to core deposits | 130.1991% | 208 |
| Total domestic deposits to total assets | 85.2179% | 3,761 |
| Equity capital to assets | 9.9242% | 4,454 |
| Core capital (leverage) ratio | 9.7598% | 3,769 |
| Tier 1 risk-based capital ratio | 11.3379% | 6,322 |
| Total risk-based capital ratio | 12.5956% | 6,287 |
| Memoranda: | ||
| Average total assets | $310,405,000 | 2,091 |
| Average earning assets | $280,449,670 | 2,122 |
| Average equity | $30,387,670 | 2,237 |
| Average total loans | $251,636,330 | 1,651 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 1,483 |
| Cost of funding earning assets | 1.4786% | 320 |
| Net interest margin | 3.6551% | 4,033 |
| Noninterest income to average assets | 0.4823% | 4,044 |
| Noninterest expense to average assets | 2.3291% | 5,690 |
| Loan and lease loss provision to assets | 1.1575% | 338 |
| Net operating income to assets | 0.2276% | 5,894 |
| Return on assets (ROA) | 0.2276% | 6,039 |
| Pretax return on assets | 0.2894% | 6,004 |
| Return on Equity (ROE) | 2.3413% | 5,965 |
| Retained earnings to average equity (ytd only) | 2.3413% | 5,089 |
| Net charge-offs to loans | 1.3887% | 728 |
| Credit loss provision to net charge-offs | 102.7397% | 2,242 |
| Earnings coverage of net charge-offs (x) | 1.2842% | 3,687 |
| Efficiency ratio | 61.6826% | 5,333 |
| Assets per employee ($millions) | 7.4306% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1617% | 1,962 |
| Loan loss allowance to noncurrent loans | 50.0094% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 5.0484% | 1,028 |
| Noncurrent loans to loans | 4.3225% | 1,378 |
| Net loans and leases to total assets | 78.9180% | 494 |
| Net loans and leases to deposits | 92.9398% | 733 |
| Net loans and leases to core deposits | 131.6011% | 191 |
| Total domestic deposits to total assets | 84.9130% | 4,084 |
| Equity capital to assets | 9.9513% | 4,188 |
| Core capital (leverage) ratio | 9.4103% | 4,184 |
| Tier 1 risk-based capital ratio | 11.9205% | 6,013 |
| Total risk-based capital ratio | 13.1816% | 6,002 |
| Memoranda: | ||
| Average total assets | $311,015,500 | 2,094 |
| Average earning assets | $280,265,500 | 2,130 |
| Average equity | $30,239,500 | 2,245 |
| Average total loans | $252,330,000 | 1,642 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 1,800 |
| Cost of funding earning assets | 1.7674% | 243 |
| Net interest margin | 3.5037% | 5,133 |
| Noninterest income to average assets | 0.2337% | 5,866 |
| Noninterest expense to average assets | 1.9083% | 6,817 |
| Loan and lease loss provision to assets | 1.4085% | 548 |
| Net operating income to assets | 0.1176% | 5,828 |
| Return on assets (ROA) | 0.1176% | 5,946 |
| Pretax return on assets | 0.1061% | 5,961 |
| Return on Equity (ROE) | 1.2705% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.2705% | 5,259 |
| Net charge-offs to loans | 1.1826% | 1,426 |
| Credit loss provision to net charge-offs | 145.1768% | 1,983 |
| Earnings coverage of net charge-offs (x) | 1.5611% | 4,601 |
| Efficiency ratio | 55.7510% | 6,344 |
| Assets per employee ($millions) | 8.3521% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 2,149 |
| Loan loss allowance to noncurrent loans | 52.5176% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 4.6969% | 1,163 |
| Noncurrent loans to loans | 3.8888% | 1,612 |
| Net loans and leases to total assets | 79.9154% | 502 |
| Net loans and leases to deposits | 93.3597% | 856 |
| Net loans and leases to core deposits | 134.4006% | 199 |
| Total domestic deposits to total assets | 85.5995% | 3,537 |
| Equity capital to assets | 9.5035% | 4,888 |
| Core capital (leverage) ratio | 9.0571% | 4,684 |
| Tier 1 risk-based capital ratio | 11.3400% | 6,258 |
| Total risk-based capital ratio | 12.5999% | 6,249 |
| Memoranda: | ||
| Average total assets | $320,552,800 | 2,006 |
| Average earning assets | $291,781,200 | 2,007 |
| Average equity | $29,673,800 | 2,219 |
| Average total loans | $262,987,000 | 1,599 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2517% | 2,023 |
| Cost of funding earning assets | 1.8287% | 237 |
| Net interest margin | 3.4230% | 5,499 |
| Noninterest income to average assets | 0.3170% | 5,325 |
| Noninterest expense to average assets | 1.8480% | 6,924 |
| Loan and lease loss provision to assets | 1.4522% | 484 |
| Net operating income to assets | 0.1365% | 5,871 |
| Return on assets (ROA) | 0.1365% | 5,999 |
| Pretax return on assets | 0.1373% | 6,032 |
| Return on Equity (ROE) | 1.4844% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.4844% | 5,395 |
| Net charge-offs to loans | 1.4348% | 1,027 |
| Credit loss provision to net charge-offs | 123.1961% | 2,620 |
| Earnings coverage of net charge-offs (x) | 1.3485% | 4,607 |
| Efficiency ratio | 53.7598% | 6,516 |
| Assets per employee ($millions) | 9.3051% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 3,133 |
| Loan loss allowance to noncurrent loans | 82.0448% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 3.2422% | 1,965 |
| Noncurrent loans to loans | 2.1221% | 3,215 |
| Net loans and leases to total assets | 78.7084% | 638 |
| Net loans and leases to deposits | 91.5381% | 1,050 |
| Net loans and leases to core deposits | 138.0719% | 187 |
| Total domestic deposits to total assets | 85.9843% | 3,223 |
| Equity capital to assets | 9.2702% | 5,426 |
| Core capital (leverage) ratio | 9.0091% | 4,909 |
| Tier 1 risk-based capital ratio | 11.1738% | 6,448 |
| Total risk-based capital ratio | 12.4299% | 6,429 |
| Memoranda: | ||
| Average total assets | $321,346,500 | 2,009 |
| Average earning assets | $292,952,000 | 2,006 |
| Average equity | $29,551,750 | 2,225 |
| Average total loans | $264,003,250 | 1,609 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 1,969 |
| Cost of funding earning assets | 1.8911% | 218 |
| Net interest margin | 3.3854% | 5,596 |
| Noninterest income to average assets | 0.3007% | 5,482 |
| Noninterest expense to average assets | 1.6830% | 7,192 |
| Loan and lease loss provision to assets | 1.5786% | 443 |
| Net operating income to assets | 0.1300% | 5,931 |
| Return on assets (ROA) | 0.1300% | 6,028 |
| Pretax return on assets | 0.1269% | 6,054 |
| Return on Equity (ROE) | 1.4179% | 5,970 |
| Retained earnings to average equity (ytd only) | 1.4179% | 5,277 |
| Net charge-offs to loans | 1.1983% | 1,305 |
| Credit loss provision to net charge-offs | 159.0050% | 1,912 |
| Earnings coverage of net charge-offs (x) | 1.7179% | 4,015 |
| Efficiency ratio | 49.6679% | 6,961 |
| Assets per employee ($millions) | 9.4006% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 2,916 |
| Loan loss allowance to noncurrent loans | 69.9260% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 3.4697% | 1,899 |
| Noncurrent loans to loans | 2.6048% | 2,771 |
| Net loans and leases to total assets | 81.2860% | 426 |
| Net loans and leases to deposits | 95.2110% | 783 |
| Net loans and leases to core deposits | 149.2912% | 148 |
| Total domestic deposits to total assets | 85.3746% | 3,685 |
| Equity capital to assets | 9.2904% | 5,152 |
| Core capital (leverage) ratio | 9.0091% | 4,708 |
| Tier 1 risk-based capital ratio | 11.0183% | 6,516 |
| Total risk-based capital ratio | 12.2754% | 6,495 |
| Memoranda: | ||
| Average total assets | $319,902,670 | 2,026 |
| Average earning assets | $291,781,330 | 2,024 |
| Average equity | $29,338,670 | 2,216 |
| Average total loans | $265,045,000 | 1,625 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 1,834 |
| Cost of funding earning assets | 1.9299% | 219 |
| Net interest margin | 3.3811% | 5,498 |
| Noninterest income to average assets | 0.2675% | 5,758 |
| Noninterest expense to average assets | 1.8485% | 7,076 |
| Loan and lease loss provision to assets | 0.9374% | 838 |
| Net operating income to assets | 0.3999% | 4,946 |
| Return on assets (ROA) | 0.3999% | 5,037 |
| Pretax return on assets | 0.5712% | 4,795 |
| Return on Equity (ROE) | 4.3894% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.3894% | 3,539 |
| Net charge-offs to loans | 0.0664% | 4,257 |
| Credit loss provision to net charge-offs | 1,704.5455% | 230 |
| Earnings coverage of net charge-offs (x) | 27.4318% | 901 |
| Efficiency ratio | 55.0633% | 6,598 |
| Assets per employee ($millions) | 9.6622% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 3,224 |
| Loan loss allowance to noncurrent loans | 110.3390% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 2.4068% | 2,831 |
| Noncurrent loans to loans | 1.5735% | 4,118 |
| Net loans and leases to total assets | 81.4543% | 393 |
| Net loans and leases to deposits | 96.0918% | 684 |
| Net loans and leases to core deposits | 152.4229% | 144 |
| Total domestic deposits to total assets | 84.7672% | 4,142 |
| Equity capital to assets | 9.2084% | 4,859 |
| Core capital (leverage) ratio | 8.9222% | 4,733 |
| Tier 1 risk-based capital ratio | 10.8823% | 6,582 |
| Total risk-based capital ratio | 12.1386% | 6,559 |
| Memoranda: | ||
| Average total assets | $320,043,500 | 2,036 |
| Average earning assets | $292,453,500 | 2,039 |
| Average equity | $29,161,000 | 2,222 |
| Average total loans | $265,254,000 | 1,639 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 2,126 |
| Cost of funding earning assets | 2.3254% | 194 |
| Net interest margin | 3.2139% | 6,236 |
| Noninterest income to average assets | 0.2420% | 6,066 |
| Noninterest expense to average assets | 1.7967% | 7,269 |
| Loan and lease loss provision to assets | 1.0522% | 1,529 |
| Net operating income to assets | 0.2602% | 5,077 |
| Return on assets (ROA) | 0.2602% | 5,234 |
| Pretax return on assets | 0.3452% | 5,098 |
| Return on Equity (ROE) | 2.7761% | 5,049 |
| Retained earnings to average equity (ytd only) | 2.7761% | 3,912 |
| Net charge-offs to loans | 0.8298% | 2,558 |
| Credit loss provision to net charge-offs | 151.4058% | 2,380 |
| Earnings coverage of net charge-offs (x) | 2.0108% | 4,228 |
| Efficiency ratio | 56.2500% | 6,567 |
| Assets per employee ($millions) | 9.7344% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 4,230 |
| Loan loss allowance to noncurrent loans | 155.6313% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 1.8827% | 3,511 |
| Noncurrent loans to loans | 0.9373% | 5,173 |
| Net loans and leases to total assets | 81.6590% | 479 |
| Net loans and leases to deposits | 95.7830% | 889 |
| Net loans and leases to core deposits | 155.2876% | 162 |
| Total domestic deposits to total assets | 85.2541% | 3,733 |
| Equity capital to assets | 9.0155% | 5,119 |
| Core capital (leverage) ratio | 9.0496% | 4,451 |
| Tier 1 risk-based capital ratio | 10.7980% | 6,490 |
| Total risk-based capital ratio | 12.0509% | 6,451 |
| Memoranda: | ||
| Average total assets | $307,067,400 | 2,113 |
| Average earning assets | $282,054,200 | 2,094 |
| Average equity | $28,781,000 | 2,261 |
| Average total loans | $257,162,200 | 1,722 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5773% | 2,152 |
| Cost of funding earning assets | 2.4103% | 195 |
| Net interest margin | 3.1670% | 6,437 |
| Noninterest income to average assets | 0.1871% | 6,546 |
| Noninterest expense to average assets | 1.8015% | 7,322 |
| Loan and lease loss provision to assets | 0.6304% | 2,416 |
| Net operating income to assets | 0.4582% | 4,499 |
| Return on assets (ROA) | 0.4582% | 4,685 |
| Pretax return on assets | 0.6677% | 4,358 |
| Return on Equity (ROE) | 4.8393% | 4,377 |
| Retained earnings to average equity (ytd only) | 4.8393% | 3,090 |
| Net charge-offs to loans | 0.4932% | 3,304 |
| Credit loss provision to net charge-offs | 152.1739% | 2,552 |
| Earnings coverage of net charge-offs (x) | 3.1336% | 3,574 |
| Efficiency ratio | 58.1207% | 6,254 |
| Assets per employee ($millions) | 9.5535% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 5,102 |
| Loan loss allowance to noncurrent loans | 65.3639% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.9329% | 3,569 |
| Noncurrent loans to loans | 1.9461% | 3,752 |
| Net loans and leases to total assets | 83.2218% | 390 |
| Net loans and leases to deposits | 98.8619% | 735 |
| Net loans and leases to core deposits | 155.3084% | 167 |
| Total domestic deposits to total assets | 84.1799% | 4,017 |
| Equity capital to assets | 9.6519% | 4,615 |
| Core capital (leverage) ratio | 9.2809% | 4,235 |
| Tier 1 risk-based capital ratio | 11.2636% | 6,132 |
| Total risk-based capital ratio | 12.5142% | 6,126 |
| Memoranda: | ||
| Average total assets | $303,525,250 | 2,160 |
| Average earning assets | $279,124,500 | 2,151 |
| Average equity | $28,736,000 | 2,291 |
| Average total loans | $254,902,500 | 1,755 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 2,171 |
| Cost of funding earning assets | 2.4928% | 178 |
| Net interest margin | 3.0980% | 6,613 |
| Noninterest income to average assets | 0.1334% | 6,922 |
| Noninterest expense to average assets | 1.7768% | 7,415 |
| Loan and lease loss provision to assets | 0.5251% | 2,689 |
| Net operating income to assets | 0.4663% | 4,481 |
| Return on assets (ROA) | 0.4663% | 4,640 |
| Pretax return on assets | 0.6783% | 4,315 |
| Return on Equity (ROE) | 4.9580% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.9580% | 2,928 |
| Net charge-offs to loans | 0.4182% | 3,321 |
| Credit loss provision to net charge-offs | 149.7175% | 2,629 |
| Earnings coverage of net charge-offs (x) | 3.4313% | 3,327 |
| Efficiency ratio | 59.6188% | 6,117 |
| Assets per employee ($millions) | 9.8327% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 5,544 |
| Loan loss allowance to noncurrent loans | 56.4815% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 3,564 |
| Noncurrent loans to loans | 2.0928% | 3,597 |
| Net loans and leases to total assets | 83.6504% | 380 |
| Net loans and leases to deposits | 98.9772% | 795 |
| Net loans and leases to core deposits | 160.9665% | 163 |
| Total domestic deposits to total assets | 84.5149% | 3,861 |
| Equity capital to assets | 9.4684% | 4,751 |
| Core capital (leverage) ratio | 9.2544% | 4,202 |
| Tier 1 risk-based capital ratio | 11.0965% | 6,140 |
| Total risk-based capital ratio | 12.3044% | 6,171 |
| Memoranda: | ||
| Average total assets | $302,796,000 | 2,185 |
| Average earning assets | $278,241,330 | 2,170 |
| Average equity | $28,479,000 | 2,303 |
| Average total loans | $253,970,670 | 1,788 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5816% | 2,238 |
| Cost of funding earning assets | 2.5627% | 186 |
| Net interest margin | 3.0189% | 6,786 |
| Noninterest income to average assets | 0.0358% | 7,531 |
| Noninterest expense to average assets | 1.8079% | 7,454 |
| Loan and lease loss provision to assets | 0.2982% | 3,649 |
| Net operating income to assets | 0.4811% | 4,491 |
| Return on assets (ROA) | 0.4811% | 4,621 |
| Pretax return on assets | 0.7012% | 4,226 |
| Return on Equity (ROE) | 5.1329% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.1329% | 3,079 |
| Net charge-offs to loans | 0.0714% | 4,705 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 16.7556% | 1,321 |
| Efficiency ratio | 64.4004% | 5,411 |
| Assets per employee ($millions) | 9.8104% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,673 |
| Loan loss allowance to noncurrent loans | 60.3091% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 3,808 |
| Noncurrent loans to loans | 1.9356% | 3,880 |
| Net loans and leases to total assets | 82.5689% | 524 |
| Net loans and leases to deposits | 97.7234% | 933 |
| Net loans and leases to core deposits | 157.8282% | 196 |
| Total domestic deposits to total assets | 84.4925% | 3,897 |
| Equity capital to assets | 9.3801% | 4,708 |
| Core capital (leverage) ratio | 9.2439% | 4,150 |
| Tier 1 risk-based capital ratio | 11.0620% | 6,103 |
| Total risk-based capital ratio | 12.2484% | 6,126 |
| Memoranda: | ||
| Average total assets | $301,786,500 | 2,240 |
| Average earning assets | $277,055,500 | 2,226 |
| Average equity | $28,288,000 | 2,352 |
| Average total loans | $251,941,500 | 1,849 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7057% | 3,080 |
| Cost of funding earning assets | 3.3084% | 93 |
| Net interest margin | 2.3974% | 7,516 |
| Noninterest income to average assets | 0.2669% | 6,202 |
| Noninterest expense to average assets | 1.7779% | 7,631 |
| Loan and lease loss provision to assets | 0.3420% | 4,744 |
| Net operating income to assets | 0.2714% | 4,638 |
| Return on assets (ROA) | 0.2714% | 4,724 |
| Pretax return on assets | 0.3675% | 4,587 |
| Return on Equity (ROE) | 2.9934% | 4,504 |
| Retained earnings to average equity (ytd only) | 2.9934% | 3,073 |
| Net charge-offs to loans | 0.4423% | 4,026 |
| Credit loss provision to net charge-offs | 91.7658% | 5,944 |
| Earnings coverage of net charge-offs (x) | 1.9039% | 4,296 |
| Efficiency ratio | 71.4775% | 4,356 |
| Assets per employee ($millions) | 9.6597% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 5,830 |
| Loan loss allowance to noncurrent loans | 65.2459% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 2.1199% | 3,243 |
| Noncurrent loans to loans | 1.7093% | 4,072 |
| Net loans and leases to total assets | 82.4912% | 612 |
| Net loans and leases to deposits | 98.1960% | 1,085 |
| Net loans and leases to core deposits | 135.6120% | 970 |
| Total domestic deposits to total assets | 84.0067% | 4,021 |
| Equity capital to assets | 9.3668% | 4,611 |
| Core capital (leverage) ratio | 9.2546% | 4,047 |
| Tier 1 risk-based capital ratio | 10.9934% | 5,915 |
| Total risk-based capital ratio | 12.1169% | 6,017 |
| Memoranda: | ||
| Average total assets | $293,315,600 | 2,258 |
| Average earning assets | $271,674,000 | 2,225 |
| Average equity | $26,591,400 | 2,482 |
| Average total loans | $247,120,400 | 1,908 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7406% | 3,134 |
| Cost of funding earning assets | 3.4600% | 86 |
| Net interest margin | 2.2806% | 7,665 |
| Noninterest income to average assets | 0.2180% | 6,672 |
| Noninterest expense to average assets | 1.7414% | 7,714 |
| Loan and lease loss provision to assets | 0.2298% | 5,134 |
| Net operating income to assets | 0.2719% | 4,894 |
| Return on assets (ROA) | 0.2719% | 4,996 |
| Pretax return on assets | 0.3665% | 4,889 |
| Return on Equity (ROE) | 3.0248% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.0248% | 3,639 |
| Net charge-offs to loans | 0.1412% | 5,289 |
| Credit loss provision to net charge-offs | 192.7203% | 2,347 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,954 |
| Efficiency ratio | 74.4918% | 3,787 |
| Assets per employee ($millions) | 9.4774% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 4,794 |
| Loan loss allowance to noncurrent loans | 67.4600% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.3274% | 2,948 |
| Noncurrent loans to loans | 1.8585% | 3,830 |
| Net loans and leases to total assets | 83.5861% | 593 |
| Net loans and leases to deposits | 99.6175% | 1,140 |
| Net loans and leases to core deposits | 136.4950% | 1,074 |
| Total domestic deposits to total assets | 83.9070% | 3,763 |
| Equity capital to assets | 9.5079% | 4,741 |
| Core capital (leverage) ratio | 9.1305% | 4,446 |
| Tier 1 risk-based capital ratio | 11.0145% | 5,940 |
| Total risk-based capital ratio | 12.2649% | 5,904 |
| Memoranda: | ||
| Average total assets | $291,782,000 | 2,291 |
| Average earning assets | $271,207,000 | 2,247 |
| Average equity | $26,227,000 | 2,538 |
| Average total loans | $246,449,000 | 1,939 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6617% | 3,759 |
| Cost of funding earning assets | 3.5625% | 90 |
| Net interest margin | 2.0992% | 7,811 |
| Noninterest income to average assets | 0.2631% | 6,391 |
| Noninterest expense to average assets | 1.7052% | 7,825 |
| Loan and lease loss provision to assets | 0.2425% | 4,641 |
| Net operating income to assets | 0.2089% | 5,234 |
| Return on assets (ROA) | 0.2089% | 5,310 |
| Pretax return on assets | 0.2727% | 5,269 |
| Return on Equity (ROE) | 2.3696% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.3696% | 4,017 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7946% | 3,540 |
| Assets per employee ($millions) | 9.5502% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 4,320 |
| Loan loss allowance to noncurrent loans | 75.7448% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.5582% | 3,888 |
| Noncurrent loans to loans | 1.7037% | 3,956 |
| Net loans and leases to total assets | 83.4271% | 719 |
| Net loans and leases to deposits | 99.1227% | 1,376 |
| Net loans and leases to core deposits | 223.4557% | 77 |
| Total domestic deposits to total assets | 84.1654% | 3,665 |
| Equity capital to assets | 9.1844% | 5,040 |
| Core capital (leverage) ratio | 8.9691% | 4,683 |
| Tier 1 risk-based capital ratio | 10.6427% | 6,241 |
| Total risk-based capital ratio | 11.8933% | 6,175 |
| Memoranda: | ||
| Average total assets | $291,109,670 | 2,309 |
| Average earning assets | $271,440,000 | 2,272 |
| Average equity | $25,658,000 | 2,588 |
| Average total loans | $245,701,000 | 1,964 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5777% | 4,480 |
| Cost of funding earning assets | 3.5610% | 126 |
| Net interest margin | 2.0167% | 7,888 |
| Noninterest income to average assets | 0.2467% | 6,485 |
| Noninterest expense to average assets | 1.6103% | 7,904 |
| Loan and lease loss provision to assets | 0.2772% | 3,740 |
| Net operating income to assets | 0.1968% | 5,671 |
| Return on assets (ROA) | 0.1968% | 5,843 |
| Pretax return on assets | 0.2522% | 5,816 |
| Return on Equity (ROE) | 2.2819% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.2819% | 4,608 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2591% | 3,607 |
| Assets per employee ($millions) | 11.0934% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 4,445 |
| Loan loss allowance to noncurrent loans | 70.6315% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.5708% | 3,573 |
| Noncurrent loans to loans | 1.7687% | 3,613 |
| Net loans and leases to total assets | 81.1771% | 1,165 |
| Net loans and leases to deposits | 95.4400% | 2,045 |
| Net loans and leases to core deposits | 237.1674% | 80 |
| Total domestic deposits to total assets | 85.0556% | 3,169 |
| Equity capital to assets | 8.7145% | 5,746 |
| Core capital (leverage) ratio | 8.7125% | 5,129 |
| Tier 1 risk-based capital ratio | 10.0053% | 6,917 |
| Total risk-based capital ratio | 11.2170% | 6,865 |
| Memoranda: | ||
| Average total assets | $288,637,000 | 2,342 |
| Average earning assets | $270,934,500 | 2,284 |
| Average equity | $24,891,500 | 2,662 |
| Average total loans | $243,442,000 | 2,002 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3748% | 3,546 |
| Cost of funding earning assets | 4.1697% | 52 |
| Net interest margin | 2.2051% | 7,957 |
| Noninterest income to average assets | 0.1120% | 7,565 |
| Noninterest expense to average assets | 1.4134% | 8,066 |
| Loan and lease loss provision to assets | 0.3979% | 3,303 |
| Net operating income to assets | 0.2807% | 5,612 |
| Return on assets (ROA) | 0.2807% | 5,422 |
| Pretax return on assets | 0.4060% | 5,248 |
| Return on Equity (ROE) | 3.0468% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.0468% | 3,267 |
| Net charge-offs to loans | 0.0291% | 6,414 |
| Credit loss provision to net charge-offs | 1,583.0508% | 276 |
| Earnings coverage of net charge-offs (x) | 31.9831% | 1,121 |
| Efficiency ratio | 63.7464% | 5,618 |
| Assets per employee ($millions) | 11.5730% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 4,573 |
| Loan loss allowance to noncurrent loans | 390.2307% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 6,063 |
| Noncurrent loans to loans | 0.3062% | 6,462 |
| Net loans and leases to total assets | 85.6119% | 653 |
| Net loans and leases to deposits | 103.4693% | 1,403 |
| Net loans and leases to core deposits | 256.0853% | 67 |
| Total domestic deposits to total assets | 82.7414% | 3,882 |
| Equity capital to assets | 8.5260% | 6,043 |
| Core capital (leverage) ratio | 8.6547% | 5,275 |
| Tier 1 risk-based capital ratio | 9.2626% | 7,556 |
| Total risk-based capital ratio | 10.2574% | 7,775 |
| Memoranda: | ||
| Average total assets | $234,749,200 | 2,705 |
| Average earning assets | $224,117,000 | 2,609 |
| Average equity | $21,629,000 | 3,023 |
| Average total loans | $202,531,600 | 2,278 |