Home > 1st Colonial Community Bank > Performance and Condition Ratios
1st Colonial Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 2,535 |
| Cost of funding earning assets | 1.9261% | 2,129 |
| Net interest margin | 3.3635% | 2,633 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 2.3605% | 2,678 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.9534% | 2,407 |
| Return on assets (ROA) | 0.9534% | 2,407 |
| Pretax return on assets | 1.1510% | 2,363 |
| Return on Equity (ROE) | 9.4100% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.4105% | 1,334 |
| Net charge-offs to loans | -0.0171% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 65.6209% | 2,293 |
| Assets per employee ($millions) | 8.6757% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 1,169 |
| Loan loss allowance to noncurrent loans | 366.0377% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 2,030 |
| Noncurrent loans to loans | 0.3944% | 2,131 |
| Net loans and leases to total assets | 71.7600% | 1,641 |
| Net loans and leases to deposits | 81.9928% | 1,884 |
| Net loans and leases to core deposits | 98.8036% | 1,451 |
| Total domestic deposits to total assets | 87.5200% | 1,726 |
| Equity capital to assets | 10.1281% | 2,138 |
| Core capital (leverage) ratio | 10.6770% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4677% | 966 |
| Memoranda: | ||
| Average total assets | $854,213,000 | 1,174 |
| Average earning assets | $816,996,500 | 1,143 |
| Average equity | $86,542,000 | 1,170 |
| Average total loans | $630,192,000 | 1,116 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 2,300 |
| Cost of funding earning assets | 2.1059% | 1,971 |
| Net interest margin | 3.3116% | 2,487 |
| Noninterest income to average assets | 0.4300% | 2,281 |
| Noninterest expense to average assets | 2.2195% | 3,064 |
| Loan and lease loss provision to assets | -0.0300% | 4,205 |
| Net operating income to assets | 1.1426% | 1,633 |
| Return on assets (ROA) | 1.1426% | 1,642 |
| Pretax return on assets | 1.4136% | 1,477 |
| Return on Equity (ROE) | 11.8200% | 1,653 |
| Retained earnings to average equity (ytd only) | 11.8154% | 318 |
| Net charge-offs to loans | 0.0688% | 1,443 |
| Credit loss provision to net charge-offs | -68.0365% | 4,339 |
| Earnings coverage of net charge-offs (x) | 25.9635% | 1,637 |
| Efficiency ratio | 61.5941% | 2,998 |
| Assets per employee ($millions) | 8.4935% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,235 |
| Loan loss allowance to noncurrent loans | 525.4695% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 2,337 |
| Noncurrent loans to loans | 0.2710% | 2,453 |
| Net loans and leases to total assets | 73.7100% | 1,439 |
| Net loans and leases to deposits | 82.5324% | 1,908 |
| Net loans and leases to core deposits | 96.4621% | 1,684 |
| Total domestic deposits to total assets | 89.3100% | 1,049 |
| Equity capital to assets | 10.1344% | 2,042 |
| Core capital (leverage) ratio | 10.6834% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5057% | 971 |
| Memoranda: | ||
| Average total assets | $821,712,600 | 1,192 |
| Average earning assets | $786,984,600 | 1,160 |
| Average equity | $79,464,200 | 1,206 |
| Average total loans | $636,617,800 | 1,089 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4040% | 2,256 |
| Cost of funding earning assets | 2.1399% | 1,873 |
| Net interest margin | 3.2642% | 2,529 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.2489% | 2,959 |
| Loan and lease loss provision to assets | -0.0300% | 4,235 |
| Net operating income to assets | 1.0442% | 1,919 |
| Return on assets (ROA) | 1.0442% | 1,928 |
| Pretax return on assets | 1.3129% | 1,733 |
| Return on Equity (ROE) | 10.9300% | 1,914 |
| Retained earnings to average equity (ytd only) | 10.9328% | 662 |
| Net charge-offs to loans | 0.0800% | 1,111 |
| Credit loss provision to net charge-offs | -36.5535% | 4,356 |
| Earnings coverage of net charge-offs (x) | 20.4752% | 1,732 |
| Efficiency ratio | 63.7297% | 2,745 |
| Assets per employee ($millions) | 8.3988% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,211 |
| Loan loss allowance to noncurrent loans | 468.6605% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 2,144 |
| Noncurrent loans to loans | 0.3071% | 2,365 |
| Net loans and leases to total assets | 77.0500% | 992 |
| Net loans and leases to deposits | 89.3906% | 1,306 |
| Net loans and leases to core deposits | 106.7249% | 1,094 |
| Total domestic deposits to total assets | 86.2000% | 1,859 |
| Equity capital to assets | 10.1176% | 2,221 |
| Core capital (leverage) ratio | 10.6755% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9968% | 1,099 |
| Memoranda: | ||
| Average total assets | $816,926,500 | 1,192 |
| Average earning assets | $782,579,750 | 1,162 |
| Average equity | $78,026,250 | 1,220 |
| Average total loans | $638,590,250 | 1,084 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3404% | 2,279 |
| Cost of funding earning assets | 2.0891% | 1,903 |
| Net interest margin | 3.2513% | 2,531 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.2718% | 2,867 |
| Loan and lease loss provision to assets | -0.0700% | 4,360 |
| Net operating income to assets | 1.0312% | 1,898 |
| Return on assets (ROA) | 1.0312% | 1,901 |
| Pretax return on assets | 1.2959% | 1,710 |
| Return on Equity (ROE) | 11.0100% | 1,879 |
| Retained earnings to average equity (ytd only) | 11.0137% | 689 |
| Net charge-offs to loans | 0.0285% | 1,583 |
| Credit loss provision to net charge-offs | -285.7143% | 4,474 |
| Earnings coverage of net charge-offs (x) | 55.0989% | 1,058 |
| Efficiency ratio | 64.9420% | 2,662 |
| Assets per employee ($millions) | 8.3555% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,153 |
| Loan loss allowance to noncurrent loans | 489.4654% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 2,092 |
| Noncurrent loans to loans | 0.3009% | 2,290 |
| Net loans and leases to total assets | 77.0900% | 1,021 |
| Net loans and leases to deposits | 95.3444% | 843 |
| Net loans and leases to core deposits | 116.6086% | 742 |
| Total domestic deposits to total assets | 80.8600% | 3,300 |
| Equity capital to assets | 9.7362% | 2,243 |
| Core capital (leverage) ratio | 10.5471% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5122% | 1,165 |
| Memoranda: | ||
| Average total assets | $817,672,667 | 1,197 |
| Average earning assets | $783,125,000 | 1,159 |
| Average equity | $76,559,333 | 1,228 |
| Average total loans | $639,155,667 | 1,080 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3685% | 2,063 |
| Cost of funding earning assets | 2.0324% | 1,913 |
| Net interest margin | 3.3361% | 2,258 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 2.2560% | 2,922 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.9351% | 2,128 |
| Return on assets (ROA) | 0.9351% | 2,144 |
| Pretax return on assets | 1.1869% | 1,927 |
| Return on Equity (ROE) | 10.1900% | 2,079 |
| Retained earnings to average equity (ytd only) | 10.1878% | 1,064 |
| Net charge-offs to loans | -0.0723% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 64.1196% | 2,799 |
| Assets per employee ($millions) | 8.6053% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 963 |
| Loan loss allowance to noncurrent loans | 474.0210% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 2,097 |
| Noncurrent loans to loans | 0.3258% | 2,156 |
| Net loans and leases to total assets | 77.4000% | 909 |
| Net loans and leases to deposits | 94.1038% | 855 |
| Net loans and leases to core deposits | 116.1936% | 745 |
| Total domestic deposits to total assets | 82.2500% | 3,139 |
| Equity capital to assets | 9.3415% | 2,437 |
| Core capital (leverage) ratio | 10.1899% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7941% | 1,333 |
| Memoranda: | ||
| Average total assets | $821,268,000 | 1,189 |
| Average earning assets | $786,669,500 | 1,156 |
| Average equity | $75,384,000 | 1,240 |
| Average total loans | $641,659,000 | 1,080 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1381% | 1,778 |
| Cost of funding earning assets | 1.5778% | 1,750 |
| Net interest margin | 3.5603% | 2,042 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.3005% | 2,854 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0813% | 1,970 |
| Return on assets (ROA) | 1.0813% | 1,944 |
| Pretax return on assets | 1.3958% | 1,645 |
| Return on Equity (ROE) | 12.2700% | 1,895 |
| Retained earnings to average equity (ytd only) | 7.4663% | 1,723 |
| Net charge-offs to loans | 0.0108% | 2,243 |
| Credit loss provision to net charge-offs | 404.4118% | 777 |
| Earnings coverage of net charge-offs (x) | 168.8529% | 659 |
| Efficiency ratio | 61.6781% | 2,875 |
| Assets per employee ($millions) | 8.4187% | 1,214 |
| Cash dividends to net income (ytd only)* | 39.1434% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 1,011 |
| Loan loss allowance to noncurrent loans | 147.8938% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 645 |
| Noncurrent loans to loans | 1.0227% | 722 |
| Net loans and leases to total assets | 76.4800% | 1,057 |
| Net loans and leases to deposits | 91.2771% | 1,159 |
| Net loans and leases to core deposits | 107.3705% | 1,056 |
| Total domestic deposits to total assets | 83.7900% | 2,675 |
| Equity capital to assets | 9.0179% | 2,664 |
| Core capital (leverage) ratio | 10.0152% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5540% | 1,383 |
| Memoranda: | ||
| Average total assets | $803,295,600 | 1,179 |
| Average earning assets | $769,855,000 | 1,142 |
| Average equity | $70,797,800 | 1,237 |
| Average total loans | $630,017,800 | 1,056 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 1,631 |
| Cost of funding earning assets | 1.4699% | 1,688 |
| Net interest margin | 3.6339% | 1,915 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.4020% | 2,510 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0406% | 2,246 |
| Return on assets (ROA) | 1.0406% | 2,236 |
| Pretax return on assets | 1.3770% | 1,832 |
| Return on Equity (ROE) | 11.8800% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.3926% | 2,811 |
| Net charge-offs to loans | -0.0221% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.2213% | 2,593 |
| Assets per employee ($millions) | 8.4822% | 1,126 |
| Cash dividends to net income (ytd only)* | 54.6009% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 1,037 |
| Loan loss allowance to noncurrent loans | 149.4110% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 686 |
| Noncurrent loans to loans | 1.0233% | 789 |
| Net loans and leases to total assets | 78.0600% | 876 |
| Net loans and leases to deposits | 91.9127% | 1,058 |
| Net loans and leases to core deposits | 106.2639% | 1,004 |
| Total domestic deposits to total assets | 84.9300% | 2,519 |
| Equity capital to assets | 8.7299% | 2,584 |
| Core capital (leverage) ratio | 9.7442% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3133% | 1,469 |
| Memoranda: | ||
| Average total assets | $797,860,500 | 1,187 |
| Average earning assets | $764,856,750 | 1,149 |
| Average equity | $69,897,000 | 1,247 |
| Average total loans | $627,358,250 | 1,052 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 1,592 |
| Cost of funding earning assets | 1.3223% | 1,651 |
| Net interest margin | 3.6618% | 1,894 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.3991% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0272% | 2,331 |
| Return on assets (ROA) | 1.0272% | 2,323 |
| Pretax return on assets | 1.3737% | 1,879 |
| Return on Equity (ROE) | 11.7100% | 2,248 |
| Retained earnings to average equity (ytd only) | 8.8434% | 1,721 |
| Net charge-offs to loans | 0.0378% | 1,148 |
| Credit loss provision to net charge-offs | 45.7627% | 1,689 |
| Earnings coverage of net charge-offs (x) | 46.2542% | 1,328 |
| Efficiency ratio | 63.6061% | 2,531 |
| Assets per employee ($millions) | 7.8031% | 1,414 |
| Cash dividends to net income (ytd only)* | 24.4858% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,261 |
| Loan loss allowance to noncurrent loans | 133.6977% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 564 |
| Noncurrent loans to loans | 1.1026% | 647 |
| Net loans and leases to total assets | 78.3300% | 800 |
| Net loans and leases to deposits | 96.4541% | 706 |
| Net loans and leases to core deposits | 107.7601% | 916 |
| Total domestic deposits to total assets | 81.2100% | 3,392 |
| Equity capital to assets | 8.8245% | 2,642 |
| Core capital (leverage) ratio | 9.7560% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1084% | 1,543 |
| Memoranda: | ||
| Average total assets | $795,209,667 | 1,186 |
| Average earning assets | $762,465,333 | 1,152 |
| Average equity | $69,747,000 | 1,239 |
| Average total loans | $623,541,000 | 1,041 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 1,582 |
| Cost of funding earning assets | 1.2566% | 1,329 |
| Net interest margin | 3.5626% | 2,214 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.4052% | 2,516 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 0.9275% | 2,763 |
| Return on assets (ROA) | 0.9275% | 2,723 |
| Pretax return on assets | 1.2987% | 2,181 |
| Return on Equity (ROE) | 10.6100% | 2,602 |
| Retained earnings to average equity (ytd only) | 4.8237% | 3,060 |
| Net charge-offs to loans | -0.0208% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.5175% | 2,153 |
| Assets per employee ($millions) | 7.9248% | 1,385 |
| Cash dividends to net income (ytd only)* | 54.5256% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 1,259 |
| Loan loss allowance to noncurrent loans | 138.8467% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 564 |
| Noncurrent loans to loans | 1.0801% | 661 |
| Net loans and leases to total assets | 76.4700% | 933 |
| Net loans and leases to deposits | 92.1793% | 906 |
| Net loans and leases to core deposits | 107.0457% | 795 |
| Total domestic deposits to total assets | 82.9500% | 3,306 |
| Equity capital to assets | 8.6694% | 2,764 |
| Core capital (leverage) ratio | 9.6467% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9734% | 1,981 |
| Memoranda: | ||
| Average total assets | $790,954,500 | 1,204 |
| Average earning assets | $758,537,000 | 1,171 |
| Average equity | $69,158,500 | 1,258 |
| Average total loans | $615,838,500 | 1,067 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 1,088 |
| Cost of funding earning assets | 0.4254% | 1,901 |
| Net interest margin | 3.8551% | 1,056 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.5533% | 1,957 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.3186% | 1,363 |
| Return on assets (ROA) | 1.3186% | 1,324 |
| Pretax return on assets | 1.7240% | 873 |
| Return on Equity (ROE) | 14.5900% | 1,368 |
| Retained earnings to average equity (ytd only) | 14.5947% | 324 |
| Net charge-offs to loans | -0.0484% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.5796% | 3,401 |
| Assets per employee ($millions) | 8.0567% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,625 |
| Loan loss allowance to noncurrent loans | 113.0240% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 461 |
| Noncurrent loans to loans | 1.2077% | 583 |
| Net loans and leases to total assets | 77.0300% | 889 |
| Net loans and leases to deposits | 89.5640% | 1,083 |
| Net loans and leases to core deposits | 100.3959% | 981 |
| Total domestic deposits to total assets | 86.0100% | 2,720 |
| Equity capital to assets | 8.8198% | 2,473 |
| Core capital (leverage) ratio | 9.7425% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1427% | 1,923 |
| Memoranda: | ||
| Average total assets | $731,749,000 | 1,268 |
| Average earning assets | $703,351,000 | 1,230 |
| Average equity | $66,113,200 | 1,305 |
| Average total loans | $566,404,000 | 1,079 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 1,035 |
| Cost of funding earning assets | 0.3438% | 1,755 |
| Net interest margin | 3.7748% | 985 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.5974% | 1,719 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.3175% | 1,295 |
| Return on assets (ROA) | 1.3175% | 1,268 |
| Pretax return on assets | 1.7277% | 854 |
| Return on Equity (ROE) | 14.4900% | 1,296 |
| Retained earnings to average equity (ytd only) | 14.4888% | 410 |
| Net charge-offs to loans | -0.0586% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.0633% | 3,375 |
| Assets per employee ($millions) | 8.2980% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 1,829 |
| Loan loss allowance to noncurrent loans | 219.9447% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 1,133 |
| Noncurrent loans to loans | 0.6112% | 1,325 |
| Net loans and leases to total assets | 76.4300% | 864 |
| Net loans and leases to deposits | 88.1407% | 1,026 |
| Net loans and leases to core deposits | 94.6790% | 1,058 |
| Total domestic deposits to total assets | 86.7100% | 2,852 |
| Equity capital to assets | 8.6468% | 2,442 |
| Core capital (leverage) ratio | 9.5974% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9416% | 2,077 |
| Memoranda: | ||
| Average total assets | $719,310,500 | 1,293 |
| Average earning assets | $691,479,750 | 1,256 |
| Average equity | $65,409,750 | 1,324 |
| Average total loans | $555,425,250 | 1,088 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 1,057 |
| Cost of funding earning assets | 0.2735% | 1,978 |
| Net interest margin | 3.6555% | 986 |
| Noninterest income to average assets | 0.9040% | 840 |
| Noninterest expense to average assets | 2.6616% | 1,478 |
| Loan and lease loss provision to assets | 0.1703% | 533 |
| Net operating income to assets | 1.1876% | 1,470 |
| Return on assets (ROA) | 1.1876% | 1,448 |
| Pretax return on assets | 1.5887% | 967 |
| Return on Equity (ROE) | 12.8325% | 1,429 |
| Retained earnings to average equity (ytd only) | 12.8325% | 484 |
| Net charge-offs to loans | -0.0916% | 4,415 |
| Credit loss provision to net charge-offs | -240.9639% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2093% | 3,270 |
| Assets per employee ($millions) | 7.1318% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,931 |
| Loan loss allowance to noncurrent loans | 235.2138% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 1,258 |
| Noncurrent loans to loans | 0.5766% | 1,463 |
| Net loans and leases to total assets | 76.7836% | 653 |
| Net loans and leases to deposits | 87.9985% | 830 |
| Net loans and leases to core deposits | 97.5513% | 775 |
| Total domestic deposits to total assets | 87.2556% | 2,850 |
| Equity capital to assets | 8.9297% | 2,427 |
| Core capital (leverage) ratio | 9.6786% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2156% | 1,971 |
| Memoranda: | ||
| Average total assets | $704,610,000 | 1,314 |
| Average earning assets | $677,826,000 | 1,284 |
| Average equity | $65,209,333 | 1,357 |
| Average total loans | $543,422,667 | 1,103 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9002% | 924 |
| Cost of funding earning assets | 0.2730% | 1,898 |
| Net interest margin | 3.6272% | 857 |
| Noninterest income to average assets | 0.8289% | 974 |
| Noninterest expense to average assets | 2.6182% | 1,557 |
| Loan and lease loss provision to assets | 0.1740% | 444 |
| Net operating income to assets | 1.1171% | 1,486 |
| Return on assets (ROA) | 1.1171% | 1,477 |
| Pretax return on assets | 1.5272% | 964 |
| Return on Equity (ROE) | 11.8493% | 1,363 |
| Retained earnings to average equity (ytd only) | 11.8493% | 627 |
| Net charge-offs to loans | -0.1035% | 4,464 |
| Credit loss provision to net charge-offs | -218.9781% | 2,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6150% | 3,417 |
| Assets per employee ($millions) | 6.5158% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 2,144 |
| Loan loss allowance to noncurrent loans | 220.9085% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 1,273 |
| Noncurrent loans to loans | 0.6081% | 1,540 |
| Net loans and leases to total assets | 77.3532% | 430 |
| Net loans and leases to deposits | 85.8888% | 748 |
| Net loans and leases to core deposits | 91.2143% | 862 |
| Total domestic deposits to total assets | 90.0621% | 1,528 |
| Equity capital to assets | 9.2648% | 2,475 |
| Core capital (leverage) ratio | 9.5978% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4546% | 2,012 |
| Memoranda: | ||
| Average total assets | $689,629,000 | 1,336 |
| Average earning assets | $663,661,500 | 1,308 |
| Average equity | $65,016,500 | 1,404 |
| Average total loans | $529,241,000 | 1,118 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 1,581 |
| Cost of funding earning assets | 0.3492% | 1,939 |
| Net interest margin | 3.5605% | 1,572 |
| Noninterest income to average assets | 1.3630% | 588 |
| Noninterest expense to average assets | 2.9049% | 1,141 |
| Loan and lease loss provision to assets | 0.2563% | 355 |
| Net operating income to assets | 1.1983% | 1,929 |
| Return on assets (ROA) | 1.2113% | 1,937 |
| Pretax return on assets | 1.6469% | 1,289 |
| Return on Equity (ROE) | 12.5850% | 1,614 |
| Retained earnings to average equity (ytd only) | 5.7538% | 2,457 |
| Net charge-offs to loans | 0.0869% | 938 |
| Credit loss provision to net charge-offs | 396.0739% | 914 |
| Earnings coverage of net charge-offs (x) | 29.1594% | 1,623 |
| Efficiency ratio | 60.6237% | 3,057 |
| Assets per employee ($millions) | 6.6869% | 2,167 |
| Cash dividends to net income (ytd only)* | 54.2808% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,139 |
| Loan loss allowance to noncurrent loans | 195.8593% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 1,296 |
| Noncurrent loans to loans | 0.6889% | 1,456 |
| Net loans and leases to total assets | 74.0299% | 665 |
| Net loans and leases to deposits | 82.3988% | 1,026 |
| Net loans and leases to core deposits | 88.1928% | 1,069 |
| Total domestic deposits to total assets | 89.8434% | 1,034 |
| Equity capital to assets | 9.5944% | 3,049 |
| Core capital (leverage) ratio | 9.2161% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3651% | 1,722 |
| Memoranda: | ||
| Average total assets | $669,188,800 | 1,328 |
| Average earning assets | $644,400,000 | 1,300 |
| Average equity | $64,409,800 | 1,440 |
| Average total loans | $498,005,600 | 1,167 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 2,001 |
| Cost of funding earning assets | 0.3559% | 2,054 |
| Net interest margin | 3.4519% | 2,005 |
| Noninterest income to average assets | 1.4136% | 600 |
| Noninterest expense to average assets | 2.8791% | 1,164 |
| Loan and lease loss provision to assets | 0.2032% | 507 |
| Net operating income to assets | 1.2353% | 2,040 |
| Return on assets (ROA) | 1.2527% | 2,048 |
| Pretax return on assets | 1.6779% | 1,463 |
| Return on Equity (ROE) | 13.0042% | 1,689 |
| Retained earnings to average equity (ytd only) | 10.0945% | 1,287 |
| Net charge-offs to loans | 0.0717% | 932 |
| Credit loss provision to net charge-offs | 381.5789% | 885 |
| Earnings coverage of net charge-offs (x) | 34.9098% | 1,447 |
| Efficiency ratio | 60.7639% | 2,869 |
| Assets per employee ($millions) | 7.2769% | 1,693 |
| Cash dividends to net income (ytd only)* | 22.3749% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 3,033 |
| Loan loss allowance to noncurrent loans | 166.1799% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 1,327 |
| Noncurrent loans to loans | 0.7167% | 1,554 |
| Net loans and leases to total assets | 77.2937% | 446 |
| Net loans and leases to deposits | 86.4272% | 804 |
| Net loans and leases to core deposits | 93.4181% | 850 |
| Total domestic deposits to total assets | 89.4321% | 1,050 |
| Equity capital to assets | 9.7812% | 3,122 |
| Core capital (leverage) ratio | 9.5651% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7965% | 1,686 |
| Memoranda: | ||
| Average total assets | $665,969,000 | 1,346 |
| Average earning assets | $641,408,500 | 1,317 |
| Average equity | $64,152,250 | 1,455 |
| Average total loans | $494,547,000 | 1,195 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6032% | 2,610 |
| Cost of funding earning assets | 0.3620% | 2,209 |
| Net interest margin | 3.2412% | 2,636 |
| Noninterest income to average assets | 1.4365% | 589 |
| Noninterest expense to average assets | 2.8563% | 1,240 |
| Loan and lease loss provision to assets | 0.1258% | 999 |
| Net operating income to assets | 1.1643% | 2,317 |
| Return on assets (ROA) | 1.1643% | 2,379 |
| Pretax return on assets | 1.5780% | 1,803 |
| Return on Equity (ROE) | 12.1516% | 1,999 |
| Retained earnings to average equity (ytd only) | 7.7237% | 2,187 |
| Net charge-offs to loans | -0.0844% | 4,574 |
| Credit loss provision to net charge-offs | -204.4335% | 3,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6371% | 2,643 |
| Assets per employee ($millions) | 7.6095% | 1,412 |
| Cash dividends to net income (ytd only)* | 36.4394% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,887 |
| Loan loss allowance to noncurrent loans | 132.5547% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 1,150 |
| Noncurrent loans to loans | 0.9113% | 1,359 |
| Net loans and leases to total assets | 74.5359% | 710 |
| Net loans and leases to deposits | 82.9105% | 1,132 |
| Net loans and leases to core deposits | 94.4823% | 882 |
| Total domestic deposits to total assets | 89.8992% | 829 |
| Equity capital to assets | 9.4472% | 3,388 |
| Core capital (leverage) ratio | 9.5000% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2473% | 1,549 |
| Memoranda: | ||
| Average total assets | $659,949,667 | 1,350 |
| Average earning assets | $635,992,667 | 1,320 |
| Average equity | $63,234,333 | 1,460 |
| Average total loans | $481,035,000 | 1,224 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5863% | 2,686 |
| Cost of funding earning assets | 0.3706% | 2,349 |
| Net interest margin | 3.2157% | 2,645 |
| Noninterest income to average assets | 1.5728% | 563 |
| Noninterest expense to average assets | 2.9566% | 1,054 |
| Loan and lease loss provision to assets | 0.1483% | 880 |
| Net operating income to assets | 1.1577% | 2,307 |
| Return on assets (ROA) | 1.1577% | 2,374 |
| Pretax return on assets | 1.5667% | 1,815 |
| Return on Equity (ROE) | 11.9933% | 2,015 |
| Retained earnings to average equity (ytd only) | 3.0335% | 3,771 |
| Net charge-offs to loans | -0.1226% | 4,694 |
| Credit loss provision to net charge-offs | -169.0141% | 2,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2901% | 2,564 |
| Assets per employee ($millions) | 6.8659% | 1,880 |
| Cash dividends to net income (ytd only)* | 74.7065% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,676 |
| Loan loss allowance to noncurrent loans | 122.8723% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7416% | 1,246 |
| Noncurrent loans to loans | 1.0154% | 1,316 |
| Net loans and leases to total assets | 72.1233% | 1,001 |
| Net loans and leases to deposits | 80.6118% | 1,461 |
| Net loans and leases to core deposits | 86.5517% | 1,487 |
| Total domestic deposits to total assets | 89.4699% | 1,083 |
| Equity capital to assets | 9.4724% | 3,230 |
| Core capital (leverage) ratio | 9.6736% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1626% | 1,254 |
| Memoranda: | ||
| Average total assets | $647,495,000 | 1,361 |
| Average earning assets | $623,932,000 | 1,330 |
| Average equity | $62,501,500 | 1,464 |
| Average total loans | $463,198,500 | 1,259 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 2,871 |
| Cost of funding earning assets | 0.6794% | 1,825 |
| Net interest margin | 3.2740% | 3,148 |
| Noninterest income to average assets | 0.9307% | 1,195 |
| Noninterest expense to average assets | 2.6316% | 2,447 |
| Loan and lease loss provision to assets | 0.3589% | 945 |
| Net operating income to assets | 0.8493% | 2,902 |
| Return on assets (ROA) | 0.8737% | 2,951 |
| Pretax return on assets | 1.1338% | 2,571 |
| Return on Equity (ROE) | 9.7264% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.7264% | 641 |
| Net charge-offs to loans | 0.7197% | 202 |
| Credit loss provision to net charge-offs | 67.1478% | 3,062 |
| Earnings coverage of net charge-offs (x) | 2.7352% | 3,136 |
| Efficiency ratio | 64.2892% | 2,771 |
| Assets per employee ($millions) | 8.1521% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,597 |
| Loan loss allowance to noncurrent loans | 117.3133% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 1,365 |
| Noncurrent loans to loans | 1.0773% | 1,320 |
| Net loans and leases to total assets | 69.1002% | 1,674 |
| Net loans and leases to deposits | 77.4351% | 2,129 |
| Net loans and leases to core deposits | 84.2698% | 2,013 |
| Total domestic deposits to total assets | 89.2363% | 878 |
| Equity capital to assets | 9.8399% | 3,275 |
| Core capital (leverage) ratio | 9.6008% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5381% | 1,143 |
| Memoranda: | ||
| Average total assets | $596,332,400 | 1,338 |
| Average earning assets | $576,055,200 | 1,299 |
| Average equity | $53,565,400 | 1,590 |
| Average total loans | $442,823,800 | 1,247 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 3,145 |
| Cost of funding earning assets | 0.7526% | 1,726 |
| Net interest margin | 3.1859% | 3,526 |
| Noninterest income to average assets | 0.7982% | 1,503 |
| Noninterest expense to average assets | 2.7057% | 2,238 |
| Loan and lease loss provision to assets | 0.4092% | 843 |
| Net operating income to assets | 0.5808% | 3,828 |
| Return on assets (ROA) | 0.6138% | 3,817 |
| Pretax return on assets | 0.8048% | 3,632 |
| Return on Equity (ROE) | 7.0154% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.0154% | 1,682 |
| Net charge-offs to loans | 0.7751% | 176 |
| Credit loss provision to net charge-offs | 70.0117% | 2,809 |
| Earnings coverage of net charge-offs (x) | 2.0054% | 3,025 |
| Efficiency ratio | 69.7719% | 1,912 |
| Assets per employee ($millions) | 7.8456% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,223 |
| Loan loss allowance to noncurrent loans | 92.8695% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0655% | 1,012 |
| Noncurrent loans to loans | 1.3830% | 1,053 |
| Net loans and leases to total assets | 76.0497% | 1,085 |
| Net loans and leases to deposits | 85.5533% | 1,755 |
| Net loans and leases to core deposits | 93.3037% | 1,690 |
| Total domestic deposits to total assets | 88.8917% | 817 |
| Equity capital to assets | 10.0539% | 3,182 |
| Core capital (leverage) ratio | 9.6715% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7109% | 1,098 |
| Memoranda: | ||
| Average total assets | $586,450,000 | 1,334 |
| Average earning assets | $566,894,500 | 1,301 |
| Average equity | $51,314,750 | 1,641 |
| Average total loans | $442,278,250 | 1,237 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,492 |
| Cost of funding earning assets | 0.8205% | 1,724 |
| Net interest margin | 3.1213% | 3,860 |
| Noninterest income to average assets | 0.6921% | 1,768 |
| Noninterest expense to average assets | 2.6633% | 2,483 |
| Loan and lease loss provision to assets | 0.5004% | 717 |
| Net operating income to assets | 0.4338% | 4,157 |
| Return on assets (ROA) | 0.4338% | 4,222 |
| Pretax return on assets | 0.5460% | 4,170 |
| Return on Equity (ROE) | 5.2233% | 3,768 |
| Retained earnings to average equity (ytd only) | 5.2233% | 2,378 |
| Net charge-offs to loans | 0.9840% | 151 |
| Credit loss provision to net charge-offs | 67.9236% | 2,561 |
| Earnings coverage of net charge-offs (x) | 1.4204% | 2,860 |
| Efficiency ratio | 71.7944% | 1,713 |
| Assets per employee ($millions) | 8.1626% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 1,923 |
| Loan loss allowance to noncurrent loans | 112.2326% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 1,342 |
| Noncurrent loans to loans | 1.1729% | 1,334 |
| Net loans and leases to total assets | 75.2620% | 1,238 |
| Net loans and leases to deposits | 83.0808% | 2,087 |
| Net loans and leases to core deposits | 92.4323% | 1,868 |
| Total domestic deposits to total assets | 90.5889% | 255 |
| Equity capital to assets | 8.3331% | 4,572 |
| Core capital (leverage) ratio | 8.0334% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8133% | 1,887 |
| Memoranda: | ||
| Average total assets | $583,178,333 | 1,323 |
| Average earning assets | $563,797,333 | 1,287 |
| Average equity | $48,437,000 | 1,720 |
| Average total loans | $436,585,000 | 1,240 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 3,047 |
| Cost of funding earning assets | 0.9321% | 1,729 |
| Net interest margin | 3.3239% | 3,532 |
| Noninterest income to average assets | 0.5707% | 2,175 |
| Noninterest expense to average assets | 2.8944% | 2,141 |
| Loan and lease loss provision to assets | 0.8578% | 274 |
| Net operating income to assets | 0.0229% | 4,735 |
| Return on assets (ROA) | 0.0229% | 4,722 |
| Pretax return on assets | 0.0333% | 4,714 |
| Return on Equity (ROE) | 0.2760% | 4,711 |
| Retained earnings to average equity (ytd only) | 0.2760% | 3,924 |
| Net charge-offs to loans | 2.2588% | 59 |
| Credit loss provision to net charge-offs | 51.2215% | 2,053 |
| Earnings coverage of net charge-offs (x) | 0.5321% | 2,458 |
| Efficiency ratio | 76.4609% | 1,515 |
| Assets per employee ($millions) | 8.9036% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,263 |
| Loan loss allowance to noncurrent loans | 86.0432% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 1,144 |
| Noncurrent loans to loans | 1.4810% | 1,079 |
| Net loans and leases to total assets | 73.5352% | 1,688 |
| Net loans and leases to deposits | 81.1794% | 2,557 |
| Net loans and leases to core deposits | 92.7483% | 2,092 |
| Total domestic deposits to total assets | 90.5835% | 176 |
| Equity capital to assets | 8.3194% | 4,892 |
| Core capital (leverage) ratio | 8.0581% | 4,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1778% | 2,207 |
| Memoranda: | ||
| Average total assets | $576,833,500 | 1,297 |
| Average earning assets | $557,891,500 | 1,254 |
| Average equity | $47,828,500 | 1,728 |
| Average total loans | $427,655,500 | 1,229 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 2,841 |
| Cost of funding earning assets | 1.0177% | 1,649 |
| Net interest margin | 3.5128% | 3,411 |
| Noninterest income to average assets | 0.5028% | 2,718 |
| Noninterest expense to average assets | 2.5640% | 3,275 |
| Loan and lease loss provision to assets | 0.5784% | 210 |
| Net operating income to assets | 0.6080% | 4,132 |
| Return on assets (ROA) | 0.6085% | 4,196 |
| Pretax return on assets | 0.7702% | 4,046 |
| Return on Equity (ROE) | 7.3627% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.3627% | 1,227 |
| Net charge-offs to loans | 0.5132% | 363 |
| Credit loss provision to net charge-offs | 148.7850% | 1,723 |
| Earnings coverage of net charge-offs (x) | 3.4673% | 3,318 |
| Efficiency ratio | 65.5445% | 2,838 |
| Assets per employee ($millions) | 8.4549% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 1,043 |
| Loan loss allowance to noncurrent loans | 113.2213% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 1,215 |
| Noncurrent loans to loans | 1.3888% | 1,057 |
| Net loans and leases to total assets | 72.6300% | 1,983 |
| Net loans and leases to deposits | 79.9364% | 2,785 |
| Net loans and leases to core deposits | 96.7431% | 1,832 |
| Total domestic deposits to total assets | 90.8597% | 136 |
| Equity capital to assets | 8.2635% | 4,993 |
| Core capital (leverage) ratio | 8.2490% | 4,960 |
| Tier 1 risk-based capital ratio | 13.1856% | 3,693 |
| Total risk-based capital ratio | 14.4430% | 3,574 |
| Memoranda: | ||
| Average total assets | $550,503,200 | 1,304 |
| Average earning assets | $534,253,000 | 1,265 |
| Average equity | $45,499,600 | 1,745 |
| Average total loans | $417,025,400 | 1,223 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 2,779 |
| Cost of funding earning assets | 1.0166% | 1,696 |
| Net interest margin | 3.5664% | 3,345 |
| Noninterest income to average assets | 0.4793% | 2,856 |
| Noninterest expense to average assets | 2.6056% | 3,155 |
| Loan and lease loss provision to assets | 0.4423% | 289 |
| Net operating income to assets | 0.6789% | 4,082 |
| Return on assets (ROA) | 0.6796% | 4,141 |
| Pretax return on assets | 0.8949% | 3,884 |
| Return on Equity (ROE) | 8.2226% | 3,223 |
| Retained earnings to average equity (ytd only) | 8.2226% | 1,308 |
| Net charge-offs to loans | 0.6303% | 254 |
| Credit loss provision to net charge-offs | 92.0020% | 2,375 |
| Earnings coverage of net charge-offs (x) | 2.7794% | 3,165 |
| Efficiency ratio | 66.1013% | 2,713 |
| Assets per employee ($millions) | 7.8992% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 1,986 |
| Loan loss allowance to noncurrent loans | 115.6693% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9882% | 1,363 |
| Noncurrent loans to loans | 1.1198% | 1,417 |
| Net loans and leases to total assets | 76.4778% | 1,403 |
| Net loans and leases to deposits | 84.4620% | 2,390 |
| Net loans and leases to core deposits | 103.2982% | 1,386 |
| Total domestic deposits to total assets | 90.5470% | 166 |
| Equity capital to assets | 8.5456% | 4,980 |
| Core capital (leverage) ratio | 8.4607% | 4,961 |
| Tier 1 risk-based capital ratio | 13.1729% | 3,749 |
| Total risk-based capital ratio | 14.4265% | 3,659 |
| Memoranda: | ||
| Average total assets | $544,395,000 | 1,326 |
| Average earning assets | $528,547,250 | 1,278 |
| Average equity | $44,997,000 | 1,760 |
| Average total loans | $415,220,000 | 1,238 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 2,745 |
| Cost of funding earning assets | 0.9940% | 1,723 |
| Net interest margin | 3.5828% | 3,323 |
| Noninterest income to average assets | 0.4653% | 2,877 |
| Noninterest expense to average assets | 2.6124% | 3,170 |
| Loan and lease loss provision to assets | 0.3598% | 355 |
| Net operating income to assets | 0.7362% | 3,879 |
| Return on assets (ROA) | 0.7362% | 3,936 |
| Pretax return on assets | 0.9717% | 3,639 |
| Return on Equity (ROE) | 9.0083% | 2,848 |
| Retained earnings to average equity (ytd only) | 9.0083% | 1,026 |
| Net charge-offs to loans | 0.6971% | 218 |
| Credit loss provision to net charge-offs | 68.0334% | 2,334 |
| Earnings coverage of net charge-offs (x) | 2.5177% | 2,932 |
| Efficiency ratio | 66.2380% | 2,782 |
| Assets per employee ($millions) | 7.9919% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,307 |
| Loan loss allowance to noncurrent loans | 132.4872% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 1,615 |
| Noncurrent loans to loans | 0.9359% | 1,744 |
| Net loans and leases to total assets | 75.7307% | 1,591 |
| Net loans and leases to deposits | 84.4762% | 2,438 |
| Net loans and leases to core deposits | 106.3370% | 1,226 |
| Total domestic deposits to total assets | 89.6474% | 430 |
| Equity capital to assets | 8.4247% | 5,070 |
| Core capital (leverage) ratio | 8.2747% | 5,071 |
| Tier 1 risk-based capital ratio | 12.4323% | 4,166 |
| Total risk-based capital ratio | 13.6844% | 4,045 |
| Memoranda: | ||
| Average total assets | $544,179,000 | 1,324 |
| Average earning assets | $528,360,330 | 1,277 |
| Average equity | $44,470,330 | 1,778 |
| Average total loans | $412,857,670 | 1,249 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 2,678 |
| Cost of funding earning assets | 0.9711% | 1,693 |
| Net interest margin | 3.5844% | 3,307 |
| Noninterest income to average assets | 0.3974% | 3,197 |
| Noninterest expense to average assets | 2.5137% | 3,460 |
| Loan and lease loss provision to assets | 0.4988% | 218 |
| Net operating income to assets | 0.6442% | 4,112 |
| Return on assets (ROA) | 0.6442% | 4,147 |
| Pretax return on assets | 0.8690% | 3,865 |
| Return on Equity (ROE) | 8.0067% | 3,259 |
| Retained earnings to average equity (ytd only) | 8.0067% | 1,656 |
| Net charge-offs to loans | 0.4049% | 382 |
| Credit loss provision to net charge-offs | 163.2212% | 1,180 |
| Earnings coverage of net charge-offs (x) | 4.4760% | 2,324 |
| Efficiency ratio | 64.7615% | 3,122 |
| Assets per employee ($millions) | 7.9041% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,594 |
| Loan loss allowance to noncurrent loans | 146.4810% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 1,898 |
| Noncurrent loans to loans | 0.9705% | 1,722 |
| Net loans and leases to total assets | 74.8896% | 1,664 |
| Net loans and leases to deposits | 83.7093% | 2,419 |
| Net loans and leases to core deposits | 100.1884% | 1,607 |
| Total domestic deposits to total assets | 89.4639% | 658 |
| Equity capital to assets | 8.1321% | 5,145 |
| Core capital (leverage) ratio | 8.0947% | 5,184 |
| Tier 1 risk-based capital ratio | 12.2506% | 4,322 |
| Total risk-based capital ratio | 13.5052% | 4,187 |
| Memoranda: | ||
| Average total assets | $544,545,000 | 1,326 |
| Average earning assets | $529,298,500 | 1,275 |
| Average equity | $43,813,500 | 1,785 |
| Average total loans | $410,925,000 | 1,261 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 3,046 |
| Cost of funding earning assets | 0.7719% | 1,679 |
| Net interest margin | 3.5472% | 3,555 |
| Noninterest income to average assets | 0.5881% | 2,360 |
| Noninterest expense to average assets | 2.4445% | 3,758 |
| Loan and lease loss provision to assets | 0.2733% | 616 |
| Net operating income to assets | 0.9894% | 3,056 |
| Return on assets (ROA) | 0.9894% | 3,058 |
| Pretax return on assets | 1.3169% | 2,442 |
| Return on Equity (ROE) | 13.2484% | 1,251 |
| Retained earnings to average equity (ytd only) | 13.2484% | 214 |
| Net charge-offs to loans | 0.1781% | 1,082 |
| Credit loss provision to net charge-offs | 208.6158% | 1,386 |
| Earnings coverage of net charge-offs (x) | 12.1398% | 2,560 |
| Efficiency ratio | 60.5879% | 3,765 |
| Assets per employee ($millions) | 8.2380% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,715 |
| Loan loss allowance to noncurrent loans | 204.9162% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 2,570 |
| Noncurrent loans to loans | 0.6738% | 2,311 |
| Net loans and leases to total assets | 73.9181% | 1,948 |
| Net loans and leases to deposits | 81.9602% | 2,737 |
| Net loans and leases to core deposits | 99.0951% | 1,786 |
| Total domestic deposits to total assets | 90.1877% | 416 |
| Equity capital to assets | 7.9594% | 5,177 |
| Core capital (leverage) ratio | 7.9774% | 5,242 |
| Tier 1 risk-based capital ratio | 12.1625% | 4,319 |
| Total risk-based capital ratio | 13.4164% | 4,203 |
| Memoranda: | ||
| Average total assets | $540,523,400 | 1,312 |
| Average earning assets | $525,173,200 | 1,255 |
| Average equity | $40,367,200 | 1,845 |
| Average total loans | $397,493,800 | 1,264 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 3,148 |
| Cost of funding earning assets | 0.7283% | 1,695 |
| Net interest margin | 3.5220% | 3,626 |
| Noninterest income to average assets | 0.5450% | 2,590 |
| Noninterest expense to average assets | 2.4718% | 3,675 |
| Loan and lease loss provision to assets | 0.2688% | 566 |
| Net operating income to assets | 0.9209% | 3,430 |
| Return on assets (ROA) | 0.9209% | 3,431 |
| Pretax return on assets | 1.2260% | 2,893 |
| Return on Equity (ROE) | 12.5392% | 1,601 |
| Retained earnings to average equity (ytd only) | 12.5392% | 412 |
| Net charge-offs to loans | 0.1441% | 1,138 |
| Credit loss provision to net charge-offs | 254.8009% | 1,162 |
| Earnings coverage of net charge-offs (x) | 14.1709% | 2,302 |
| Efficiency ratio | 62.3155% | 3,458 |
| Assets per employee ($millions) | 8.0471% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 1,842 |
| Loan loss allowance to noncurrent loans | 268.8261% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 3,085 |
| Noncurrent loans to loans | 0.5066% | 2,868 |
| Net loans and leases to total assets | 74.1465% | 1,958 |
| Net loans and leases to deposits | 81.0218% | 2,928 |
| Net loans and leases to core deposits | 96.9254% | 2,030 |
| Total domestic deposits to total assets | 91.5144% | 130 |
| Equity capital to assets | 7.6523% | 5,279 |
| Core capital (leverage) ratio | 7.5565% | 5,386 |
| Tier 1 risk-based capital ratio | 11.7742% | 4,617 |
| Total risk-based capital ratio | 13.0280% | 4,508 |
| Memoranda: | ||
| Average total assets | $539,727,750 | 1,312 |
| Average earning assets | $524,344,500 | 1,262 |
| Average equity | $39,640,000 | 1,879 |
| Average total loans | $394,986,250 | 1,273 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 3,406 |
| Cost of funding earning assets | 0.6794% | 1,745 |
| Net interest margin | 3.4339% | 3,847 |
| Noninterest income to average assets | 0.5971% | 2,333 |
| Noninterest expense to average assets | 2.4919% | 3,653 |
| Loan and lease loss provision to assets | 0.2182% | 752 |
| Net operating income to assets | 0.9242% | 3,349 |
| Return on assets (ROA) | 0.9242% | 3,348 |
| Pretax return on assets | 1.2235% | 2,856 |
| Return on Equity (ROE) | 12.7619% | 1,457 |
| Retained earnings to average equity (ytd only) | 12.7619% | 418 |
| Net charge-offs to loans | 0.1022% | 1,332 |
| Credit loss provision to net charge-offs | 294.5000% | 1,013 |
| Earnings coverage of net charge-offs (x) | 19.4600% | 1,849 |
| Efficiency ratio | 63.3487% | 3,408 |
| Assets per employee ($millions) | 8.9235% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,169 |
| Loan loss allowance to noncurrent loans | 234.7651% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 2,937 |
| Noncurrent loans to loans | 0.5539% | 2,752 |
| Net loans and leases to total assets | 71.9860% | 2,277 |
| Net loans and leases to deposits | 78.3353% | 3,122 |
| Net loans and leases to core deposits | 94.0532% | 2,217 |
| Total domestic deposits to total assets | 91.8948% | 99 |
| Equity capital to assets | 7.2631% | 5,426 |
| Core capital (leverage) ratio | 7.5415% | 5,436 |
| Tier 1 risk-based capital ratio | 11.4331% | 4,815 |
| Total risk-based capital ratio | 12.6860% | 4,724 |
| Memoranda: | ||
| Average total assets | $539,917,670 | 1,317 |
| Average earning assets | $524,587,670 | 1,260 |
| Average equity | $39,100,670 | 1,900 |
| Average total loans | $391,553,000 | 1,279 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,450 |
| Cost of funding earning assets | 0.6121% | 1,962 |
| Net interest margin | 3.4311% | 3,772 |
| Noninterest income to average assets | 0.4643% | 3,035 |
| Noninterest expense to average assets | 2.4536% | 3,801 |
| Loan and lease loss provision to assets | 0.2085% | 779 |
| Net operating income to assets | 0.8424% | 3,536 |
| Return on assets (ROA) | 0.8424% | 3,553 |
| Pretax return on assets | 1.1364% | 3,021 |
| Return on Equity (ROE) | 11.6497% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.6497% | 752 |
| Net charge-offs to loans | 0.0311% | 1,879 |
| Credit loss provision to net charge-offs | 926.6667% | 366 |
| Earnings coverage of net charge-offs (x) | 59.7667% | 846 |
| Efficiency ratio | 64.5932% | 3,388 |
| Assets per employee ($millions) | 8.9240% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,162 |
| Loan loss allowance to noncurrent loans | 213.6402% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 3,024 |
| Noncurrent loans to loans | 0.6168% | 2,694 |
| Net loans and leases to total assets | 72.6197% | 2,072 |
| Net loans and leases to deposits | 80.4237% | 2,761 |
| Net loans and leases to core deposits | 95.3116% | 2,031 |
| Total domestic deposits to total assets | 90.2964% | 545 |
| Equity capital to assets | 7.3909% | 5,452 |
| Core capital (leverage) ratio | 7.3573% | 5,523 |
| Tier 1 risk-based capital ratio | 11.3569% | 4,948 |
| Total risk-based capital ratio | 12.6098% | 4,846 |
| Memoranda: | ||
| Average total assets | $533,246,500 | 1,340 |
| Average earning assets | $518,201,500 | 1,289 |
| Average equity | $38,559,000 | 1,936 |
| Average total loans | $385,571,000 | 1,301 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 3,599 |
| Cost of funding earning assets | 0.5129% | 2,228 |
| Net interest margin | 3.4301% | 3,752 |
| Noninterest income to average assets | 0.7088% | 1,921 |
| Noninterest expense to average assets | 2.5041% | 3,767 |
| Loan and lease loss provision to assets | 0.1659% | 1,328 |
| Net operating income to assets | 0.8334% | 3,017 |
| Return on assets (ROA) | 0.8365% | 3,044 |
| Pretax return on assets | 1.3752% | 2,068 |
| Return on Equity (ROE) | 11.9631% | 1,223 |
| Retained earnings to average equity (ytd only) | 11.9631% | 180 |
| Net charge-offs to loans | 0.1954% | 1,304 |
| Credit loss provision to net charge-offs | 116.2347% | 2,249 |
| Earnings coverage of net charge-offs (x) | 10.7653% | 2,635 |
| Efficiency ratio | 61.9784% | 3,943 |
| Assets per employee ($millions) | 9.3100% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,396 |
| Loan loss allowance to noncurrent loans | 234.2334% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 3,150 |
| Noncurrent loans to loans | 0.5406% | 2,878 |
| Net loans and leases to total assets | 70.1555% | 2,502 |
| Net loans and leases to deposits | 76.2372% | 3,306 |
| Net loans and leases to core deposits | 87.7594% | 2,746 |
| Total domestic deposits to total assets | 92.0227% | 80 |
| Equity capital to assets | 7.0751% | 5,581 |
| Core capital (leverage) ratio | 7.0698% | 5,596 |
| Tier 1 risk-based capital ratio | 11.1105% | 5,080 |
| Total risk-based capital ratio | 12.3624% | 4,966 |
| Memoranda: | ||
| Average total assets | $513,686,800 | 1,361 |
| Average earning assets | $498,911,400 | 1,307 |
| Average equity | $35,918,800 | 2,027 |
| Average total loans | $375,180,200 | 1,302 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 3,649 |
| Cost of funding earning assets | 0.4925% | 2,332 |
| Net interest margin | 3.4206% | 3,772 |
| Noninterest income to average assets | 0.7207% | 1,905 |
| Noninterest expense to average assets | 2.5748% | 3,486 |
| Loan and lease loss provision to assets | 0.1443% | 1,460 |
| Net operating income to assets | 0.8390% | 3,332 |
| Return on assets (ROA) | 0.8432% | 3,355 |
| Pretax return on assets | 1.3296% | 2,362 |
| Return on Equity (ROE) | 12.0967% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.0967% | 289 |
| Net charge-offs to loans | 0.1183% | 1,604 |
| Credit loss provision to net charge-offs | 165.8610% | 1,562 |
| Earnings coverage of net charge-offs (x) | 16.8611% | 2,148 |
| Efficiency ratio | 63.6985% | 3,609 |
| Assets per employee ($millions) | 8.7109% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,373 |
| Loan loss allowance to noncurrent loans | 244.5486% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 3,385 |
| Noncurrent loans to loans | 0.5298% | 3,108 |
| Net loans and leases to total assets | 72.2491% | 2,220 |
| Net loans and leases to deposits | 78.4755% | 3,120 |
| Net loans and leases to core deposits | 87.0493% | 2,870 |
| Total domestic deposits to total assets | 92.0659% | 57 |
| Equity capital to assets | 7.0821% | 5,659 |
| Core capital (leverage) ratio | 7.0903% | 5,666 |
| Tier 1 risk-based capital ratio | 10.9536% | 5,269 |
| Total risk-based capital ratio | 12.2065% | 5,162 |
| Memoranda: | ||
| Average total assets | $507,113,750 | 1,395 |
| Average earning assets | $492,410,250 | 1,329 |
| Average equity | $35,347,500 | 2,067 |
| Average total loans | $373,054,500 | 1,318 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8522% | 3,711 |
| Cost of funding earning assets | 0.4661% | 2,449 |
| Net interest margin | 3.3860% | 3,822 |
| Noninterest income to average assets | 0.7180% | 1,912 |
| Noninterest expense to average assets | 2.5557% | 3,562 |
| Loan and lease loss provision to assets | 0.1510% | 1,337 |
| Net operating income to assets | 0.8276% | 3,258 |
| Return on assets (ROA) | 0.8340% | 3,280 |
| Pretax return on assets | 1.3093% | 2,352 |
| Return on Equity (ROE) | 12.0316% | 1,293 |
| Retained earnings to average equity (ytd only) | 12.0316% | 319 |
| Net charge-offs to loans | 0.2011% | 1,002 |
| Credit loss provision to net charge-offs | 101.8817% | 1,982 |
| Earnings coverage of net charge-offs (x) | 9.7849% | 2,396 |
| Efficiency ratio | 63.7955% | 3,702 |
| Assets per employee ($millions) | 8.4392% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,760 |
| Loan loss allowance to noncurrent loans | 193.3985% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 3,168 |
| Noncurrent loans to loans | 0.6408% | 2,812 |
| Net loans and leases to total assets | 73.4752% | 1,965 |
| Net loans and leases to deposits | 79.8196% | 2,930 |
| Net loans and leases to core deposits | 90.9284% | 2,441 |
| Total domestic deposits to total assets | 92.0515% | 64 |
| Equity capital to assets | 6.9677% | 5,709 |
| Core capital (leverage) ratio | 6.9330% | 5,719 |
| Tier 1 risk-based capital ratio | 10.5186% | 5,449 |
| Total risk-based capital ratio | 11.7706% | 5,377 |
| Memoranda: | ||
| Average total assets | $501,933,670 | 1,410 |
| Average earning assets | $487,414,000 | 1,349 |
| Average equity | $34,791,670 | 2,089 |
| Average total loans | $369,882,670 | 1,323 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7730% | 3,855 |
| Cost of funding earning assets | 0.4414% | 2,601 |
| Net interest margin | 3.3316% | 3,915 |
| Noninterest income to average assets | 0.6256% | 2,292 |
| Noninterest expense to average assets | 2.4976% | 3,811 |
| Loan and lease loss provision to assets | 0.0807% | 2,202 |
| Net operating income to assets | 0.8186% | 3,133 |
| Return on assets (ROA) | 0.8186% | 3,190 |
| Pretax return on assets | 1.2827% | 2,291 |
| Return on Equity (ROE) | 11.8413% | 1,291 |
| Retained earnings to average equity (ytd only) | 11.8413% | 489 |
| Net charge-offs to loans | 0.2158% | 819 |
| Credit loss provision to net charge-offs | 51.0204% | 1,974 |
| Earnings coverage of net charge-offs (x) | 8.6173% | 2,046 |
| Efficiency ratio | 64.6874% | 3,709 |
| Assets per employee ($millions) | 7.9900% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,733 |
| Loan loss allowance to noncurrent loans | 176.6071% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 3,098 |
| Noncurrent loans to loans | 0.7156% | 2,704 |
| Net loans and leases to total assets | 72.0658% | 2,066 |
| Net loans and leases to deposits | 78.2951% | 2,940 |
| Net loans and leases to core deposits | 88.2440% | 2,526 |
| Total domestic deposits to total assets | 92.0438% | 101 |
| Equity capital to assets | 6.9065% | 5,765 |
| Core capital (leverage) ratio | 6.9236% | 5,770 |
| Tier 1 risk-based capital ratio | 10.6714% | 5,470 |
| Total risk-based capital ratio | 11.9238% | 5,388 |
| Memoranda: | ||
| Average total assets | $495,506,000 | 1,430 |
| Average earning assets | $481,207,500 | 1,371 |
| Average equity | $34,253,000 | 2,130 |
| Average total loans | $363,330,000 | 1,350 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 4,269 |
| Cost of funding earning assets | 0.4202% | 2,806 |
| Net interest margin | 3.2617% | 4,258 |
| Noninterest income to average assets | 0.7654% | 1,901 |
| Noninterest expense to average assets | 2.4757% | 4,089 |
| Loan and lease loss provision to assets | 0.2040% | 1,117 |
| Net operating income to assets | 0.7959% | 3,322 |
| Return on assets (ROA) | 0.7959% | 3,422 |
| Pretax return on assets | 1.2544% | 2,456 |
| Return on Equity (ROE) | 11.8053% | 1,310 |
| Retained earnings to average equity (ytd only) | 11.8053% | 235 |
| Net charge-offs to loans | 0.1878% | 1,479 |
| Credit loss provision to net charge-offs | 155.5024% | 1,767 |
| Earnings coverage of net charge-offs (x) | 11.1164% | 2,567 |
| Efficiency ratio | 62.9295% | 4,117 |
| Assets per employee ($millions) | 9.0304% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,433 |
| Loan loss allowance to noncurrent loans | 193.6657% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 3,156 |
| Noncurrent loans to loans | 0.6811% | 2,829 |
| Net loans and leases to total assets | 72.7010% | 2,064 |
| Net loans and leases to deposits | 79.3839% | 2,955 |
| Net loans and leases to core deposits | 84.3881% | 2,989 |
| Total domestic deposits to total assets | 91.5816% | 149 |
| Equity capital to assets | 6.9192% | 5,808 |
| Core capital (leverage) ratio | 6.8108% | 5,824 |
| Tier 1 risk-based capital ratio | 10.6107% | 5,521 |
| Total risk-based capital ratio | 11.8638% | 5,442 |
| Memoranda: | ||
| Average total assets | $477,925,600 | 1,435 |
| Average earning assets | $464,303,000 | 1,368 |
| Average equity | $32,222,800 | 2,215 |
| Average total loans | $333,920,800 | 1,399 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6379% | 4,439 |
| Cost of funding earning assets | 0.4185% | 2,855 |
| Net interest margin | 3.2194% | 4,429 |
| Noninterest income to average assets | 0.8143% | 1,702 |
| Noninterest expense to average assets | 2.4457% | 4,145 |
| Loan and lease loss provision to assets | 0.2243% | 909 |
| Net operating income to assets | 0.8112% | 3,318 |
| Return on assets (ROA) | 0.8112% | 3,456 |
| Pretax return on assets | 1.2719% | 2,534 |
| Return on Equity (ROE) | 12.1132% | 1,286 |
| Retained earnings to average equity (ytd only) | 12.1132% | 290 |
| Net charge-offs to loans | 0.1742% | 1,324 |
| Credit loss provision to net charge-offs | 186.9159% | 1,509 |
| Earnings coverage of net charge-offs (x) | 12.4673% | 2,388 |
| Efficiency ratio | 62.0430% | 4,223 |
| Assets per employee ($millions) | 9.0912% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 2,370 |
| Loan loss allowance to noncurrent loans | 252.6790% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 3,516 |
| Noncurrent loans to loans | 0.5398% | 3,375 |
| Net loans and leases to total assets | 71.4857% | 2,264 |
| Net loans and leases to deposits | 77.7713% | 3,212 |
| Net loans and leases to core deposits | 82.6544% | 3,234 |
| Total domestic deposits to total assets | 91.9178% | 79 |
| Equity capital to assets | 6.9742% | 5,890 |
| Core capital (leverage) ratio | 6.8229% | 5,892 |
| Tier 1 risk-based capital ratio | 10.6773% | 5,534 |
| Total risk-based capital ratio | 11.9306% | 5,447 |
| Memoranda: | ||
| Average total assets | $475,496,000 | 1,441 |
| Average earning assets | $461,943,750 | 1,382 |
| Average equity | $31,843,250 | 2,253 |
| Average total loans | $327,585,750 | 1,425 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 4,611 |
| Cost of funding earning assets | 0.4198% | 2,837 |
| Net interest margin | 3.1723% | 4,635 |
| Noninterest income to average assets | 0.7930% | 1,743 |
| Noninterest expense to average assets | 2.4116% | 4,303 |
| Loan and lease loss provision to assets | 0.2324% | 867 |
| Net operating income to assets | 0.7888% | 3,366 |
| Return on assets (ROA) | 0.7888% | 3,514 |
| Pretax return on assets | 1.2299% | 2,668 |
| Return on Equity (ROE) | 11.9464% | 1,346 |
| Retained earnings to average equity (ytd only) | 11.9464% | 334 |
| Net charge-offs to loans | 0.1798% | 1,264 |
| Credit loss provision to net charge-offs | 190.9722% | 1,348 |
| Earnings coverage of net charge-offs (x) | 12.0174% | 2,214 |
| Efficiency ratio | 62.2532% | 4,308 |
| Assets per employee ($millions) | 8.7064% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 2,346 |
| Loan loss allowance to noncurrent loans | 251.5135% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 3,650 |
| Noncurrent loans to loans | 0.5524% | 3,409 |
| Net loans and leases to total assets | 70.2489% | 2,440 |
| Net loans and leases to deposits | 77.9009% | 3,169 |
| Net loans and leases to core deposits | 86.1690% | 2,880 |
| Total domestic deposits to total assets | 90.1773% | 420 |
| Equity capital to assets | 6.9319% | 5,968 |
| Core capital (leverage) ratio | 6.4774% | 5,976 |
| Tier 1 risk-based capital ratio | 10.6431% | 5,609 |
| Total risk-based capital ratio | 11.8968% | 5,520 |
| Memoranda: | ||
| Average total assets | $473,383,000 | 1,450 |
| Average earning assets | $459,734,670 | 1,388 |
| Average equity | $31,256,330 | 2,290 |
| Average total loans | $320,379,000 | 1,454 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 4,814 |
| Cost of funding earning assets | 0.4266% | 2,799 |
| Net interest margin | 3.1031% | 4,854 |
| Noninterest income to average assets | 0.6981% | 2,050 |
| Noninterest expense to average assets | 2.2762% | 4,721 |
| Loan and lease loss provision to assets | 0.2526% | 693 |
| Net operating income to assets | 0.7739% | 3,378 |
| Return on assets (ROA) | 0.7739% | 3,480 |
| Pretax return on assets | 1.1832% | 2,766 |
| Return on Equity (ROE) | 12.0172% | 1,312 |
| Retained earnings to average equity (ytd only) | 12.0172% | 505 |
| Net charge-offs to loans | 0.2542% | 816 |
| Credit loss provision to net charge-offs | 150.7538% | 1,270 |
| Earnings coverage of net charge-offs (x) | 8.5678% | 2,043 |
| Efficiency ratio | 61.3203% | 4,553 |
| Assets per employee ($millions) | 8.9937% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,411 |
| Loan loss allowance to noncurrent loans | 223.2604% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 3,421 |
| Noncurrent loans to loans | 0.6280% | 3,283 |
| Net loans and leases to total assets | 65.0408% | 3,101 |
| Net loans and leases to deposits | 70.4085% | 3,822 |
| Net loans and leases to core deposits | 76.5995% | 3,622 |
| Total domestic deposits to total assets | 92.3764% | 75 |
| Equity capital to assets | 6.4722% | 6,047 |
| Core capital (leverage) ratio | 6.0213% | 6,063 |
| Tier 1 risk-based capital ratio | 10.5174% | 5,742 |
| Total risk-based capital ratio | 11.7711% | 5,651 |
| Memoranda: | ||
| Average total assets | $475,002,500 | 1,445 |
| Average earning assets | $461,349,500 | 1,382 |
| Average equity | $30,589,500 | 2,336 |
| Average total loans | $313,106,500 | 1,470 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4115% | 5,130 |
| Cost of funding earning assets | 0.3443% | 3,752 |
| Net interest margin | 3.0673% | 4,984 |
| Noninterest income to average assets | 0.7027% | 2,190 |
| Noninterest expense to average assets | 2.2719% | 4,868 |
| Loan and lease loss provision to assets | 0.2798% | 649 |
| Net operating income to assets | 0.7251% | 3,691 |
| Return on assets (ROA) | 0.7251% | 3,792 |
| Pretax return on assets | 1.1191% | 2,965 |
| Return on Equity (ROE) | 11.1754% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.1754% | 333 |
| Net charge-offs to loans | 0.2345% | 1,269 |
| Credit loss provision to net charge-offs | 188.0000% | 1,467 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 2,823 |
| Efficiency ratio | 61.8911% | 4,626 |
| Assets per employee ($millions) | 8.5990% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 2,272 |
| Loan loss allowance to noncurrent loans | 239.8143% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 3,356 |
| Noncurrent loans to loans | 0.5987% | 3,378 |
| Net loans and leases to total assets | 64.9200% | 3,135 |
| Net loans and leases to deposits | 70.1447% | 3,908 |
| Net loans and leases to core deposits | 76.6331% | 3,700 |
| Total domestic deposits to total assets | 92.5517% | 65 |
| Equity capital to assets | 6.4060% | 6,100 |
| Core capital (leverage) ratio | 6.3652% | 6,102 |
| Tier 1 risk-based capital ratio | 10.4168% | 5,816 |
| Total risk-based capital ratio | 11.6705% | 5,735 |
| Memoranda: | ||
| Average total assets | $436,769,800 | 1,523 |
| Average earning assets | $422,655,400 | 1,471 |
| Average equity | $28,339,000 | 2,434 |
| Average total loans | $277,190,600 | 1,582 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 5,266 |
| Cost of funding earning assets | 0.3278% | 4,017 |
| Net interest margin | 3.0468% | 5,083 |
| Noninterest income to average assets | 0.7326% | 2,096 |
| Noninterest expense to average assets | 2.3138% | 4,747 |
| Loan and lease loss provision to assets | 0.2782% | 566 |
| Net operating income to assets | 0.6969% | 3,913 |
| Return on assets (ROA) | 0.6969% | 4,025 |
| Pretax return on assets | 1.0871% | 3,279 |
| Return on Equity (ROE) | 10.7046% | 1,825 |
| Retained earnings to average equity (ytd only) | 10.7046% | 520 |
| Net charge-offs to loans | 0.1960% | 1,304 |
| Credit loss provision to net charge-offs | 225.9446% | 1,218 |
| Earnings coverage of net charge-offs (x) | 11.0882% | 2,533 |
| Efficiency ratio | 62.8899% | 4,423 |
| Assets per employee ($millions) | 8.5958% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 2,204 |
| Loan loss allowance to noncurrent loans | 232.8302% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 3,427 |
| Noncurrent loans to loans | 0.6395% | 3,405 |
| Net loans and leases to total assets | 63.9299% | 3,320 |
| Net loans and leases to deposits | 69.1777% | 4,079 |
| Net loans and leases to core deposits | 76.2701% | 3,775 |
| Total domestic deposits to total assets | 92.4140% | 70 |
| Equity capital to assets | 6.5701% | 6,176 |
| Core capital (leverage) ratio | 6.4334% | 6,174 |
| Tier 1 risk-based capital ratio | 10.4427% | 5,901 |
| Total risk-based capital ratio | 11.6969% | 5,837 |
| Memoranda: | ||
| Average total assets | $429,876,000 | 1,562 |
| Average earning assets | $415,732,000 | 1,496 |
| Average equity | $27,987,250 | 2,470 |
| Average total loans | $270,027,250 | 1,625 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3306% | 5,381 |
| Cost of funding earning assets | 0.3026% | 4,371 |
| Net interest margin | 3.0280% | 5,158 |
| Noninterest income to average assets | 0.7172% | 2,144 |
| Noninterest expense to average assets | 2.2778% | 4,899 |
| Loan and lease loss provision to assets | 0.2834% | 571 |
| Net operating income to assets | 0.6832% | 3,967 |
| Return on assets (ROA) | 0.6832% | 4,082 |
| Pretax return on assets | 1.0816% | 3,250 |
| Return on Equity (ROE) | 10.5277% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.5277% | 576 |
| Net charge-offs to loans | 0.1458% | 1,614 |
| Credit loss provision to net charge-offs | 313.0208% | 906 |
| Earnings coverage of net charge-offs (x) | 15.0781% | 2,001 |
| Efficiency ratio | 62.5291% | 4,586 |
| Assets per employee ($millions) | 8.7151% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 2,148 |
| Loan loss allowance to noncurrent loans | 222.4093% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 3,495 |
| Noncurrent loans to loans | 0.6890% | 3,420 |
| Net loans and leases to total assets | 62.3493% | 3,503 |
| Net loans and leases to deposits | 68.2344% | 4,113 |
| Net loans and leases to core deposits | 80.6223% | 3,319 |
| Total domestic deposits to total assets | 91.3752% | 219 |
| Equity capital to assets | 6.4768% | 6,247 |
| Core capital (leverage) ratio | 6.3907% | 6,252 |
| Tier 1 risk-based capital ratio | 10.4906% | 5,925 |
| Total risk-based capital ratio | 11.7455% | 5,864 |
| Memoranda: | ||
| Average total assets | $424,174,000 | 1,587 |
| Average earning assets | $409,840,670 | 1,520 |
| Average equity | $27,527,330 | 2,515 |
| Average total loans | $263,345,000 | 1,666 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2831% | 5,484 |
| Cost of funding earning assets | 0.2861% | 4,596 |
| Net interest margin | 2.9969% | 5,223 |
| Noninterest income to average assets | 0.5956% | 2,673 |
| Noninterest expense to average assets | 2.2334% | 5,065 |
| Loan and lease loss provision to assets | 0.2935% | 505 |
| Net operating income to assets | 0.6281% | 4,156 |
| Return on assets (ROA) | 0.6281% | 4,262 |
| Pretax return on assets | 0.9628% | 3,637 |
| Return on Equity (ROE) | 9.6691% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.6691% | 999 |
| Net charge-offs to loans | 0.0311% | 2,564 |
| Credit loss provision to net charge-offs | 1,535.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 65.7000% | 677 |
| Efficiency ratio | 64.0000% | 4,481 |
| Assets per employee ($millions) | 8.5584% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 2,235 |
| Loan loss allowance to noncurrent loans | 243.6795% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 3,576 |
| Noncurrent loans to loans | 0.6361% | 3,682 |
| Net loans and leases to total assets | 60.9399% | 3,533 |
| Net loans and leases to deposits | 68.4996% | 3,913 |
| Net loans and leases to core deposits | 74.7420% | 3,712 |
| Total domestic deposits to total assets | 88.9638% | 1,297 |
| Equity capital to assets | 6.4849% | 6,308 |
| Core capital (leverage) ratio | 6.5533% | 6,288 |
| Tier 1 risk-based capital ratio | 10.5745% | 5,991 |
| Total risk-based capital ratio | 11.8285% | 5,917 |
| Memoranda: | ||
| Average total assets | $418,384,500 | 1,618 |
| Average earning assets | $404,011,500 | 1,541 |
| Average equity | $27,179,500 | 2,564 |
| Average total loans | $257,059,000 | 1,700 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 5,644 |
| Cost of funding earning assets | 0.2755% | 5,046 |
| Net interest margin | 3.0622% | 5,292 |
| Noninterest income to average assets | 0.4462% | 3,861 |
| Noninterest expense to average assets | 2.5147% | 4,496 |
| Loan and lease loss provision to assets | 0.3387% | 573 |
| Net operating income to assets | 0.3733% | 5,313 |
| Return on assets (ROA) | 0.3942% | 5,310 |
| Pretax return on assets | 0.5634% | 5,063 |
| Return on Equity (ROE) | 5.6044% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.6044% | 2,189 |
| Net charge-offs to loans | 0.4425% | 953 |
| Credit loss provision to net charge-offs | 128.5414% | 1,861 |
| Earnings coverage of net charge-offs (x) | 3.3106% | 3,923 |
| Efficiency ratio | 74.2470% | 2,798 |
| Assets per employee ($millions) | 8.1770% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 2,333 |
| Loan loss allowance to noncurrent loans | 261.5753% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 3,354 |
| Noncurrent loans to loans | 0.5858% | 3,911 |
| Net loans and leases to total assets | 60.0268% | 3,790 |
| Net loans and leases to deposits | 64.8982% | 4,441 |
| Net loans and leases to core deposits | 68.4194% | 4,460 |
| Total domestic deposits to total assets | 92.4938% | 98 |
| Equity capital to assets | 6.5083% | 6,377 |
| Core capital (leverage) ratio | 6.9016% | 6,327 |
| Tier 1 risk-based capital ratio | 10.8708% | 5,958 |
| Total risk-based capital ratio | 12.1244% | 5,888 |
| Memoranda: | ||
| Average total assets | $361,719,600 | 1,801 |
| Average earning assets | $347,359,600 | 1,723 |
| Average equity | $25,444,400 | 2,620 |
| Average total loans | $215,352,800 | 1,931 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3492% | 5,674 |
| Cost of funding earning assets | 0.2754% | 5,148 |
| Net interest margin | 3.0738% | 5,325 |
| Noninterest income to average assets | 0.3475% | 4,660 |
| Noninterest expense to average assets | 2.5844% | 4,246 |
| Loan and lease loss provision to assets | 0.3143% | 601 |
| Net operating income to assets | 0.2885% | 5,628 |
| Return on assets (ROA) | 0.3185% | 5,607 |
| Pretax return on assets | 0.4374% | 5,503 |
| Return on Equity (ROE) | 4.4314% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.4314% | 3,499 |
| Net charge-offs to loans | 0.3615% | 1,108 |
| Credit loss provision to net charge-offs | 147.0588% | 1,604 |
| Earnings coverage of net charge-offs (x) | 3.3244% | 3,683 |
| Efficiency ratio | 78.4343% | 2,117 |
| Assets per employee ($millions) | 6.9118% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 1,987 |
| Loan loss allowance to noncurrent loans | 125.8171% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 2,994 |
| Noncurrent loans to loans | 1.3474% | 2,389 |
| Net loans and leases to total assets | 62.6922% | 3,385 |
| Net loans and leases to deposits | 68.6151% | 4,069 |
| Net loans and leases to core deposits | 71.9610% | 4,156 |
| Total domestic deposits to total assets | 91.3679% | 266 |
| Equity capital to assets | 7.3169% | 6,336 |
| Core capital (leverage) ratio | 7.2259% | 6,346 |
| Tier 1 risk-based capital ratio | 11.9351% | 5,528 |
| Total risk-based capital ratio | 13.1913% | 5,445 |
| Memoranda: | ||
| Average total assets | $349,937,250 | 1,871 |
| Average earning assets | $335,554,250 | 1,798 |
| Average equity | $25,153,250 | 2,658 |
| Average total loans | $206,881,500 | 2,008 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2870% | 5,814 |
| Cost of funding earning assets | 0.2698% | 5,286 |
| Net interest margin | 3.0172% | 5,469 |
| Noninterest income to average assets | 0.2756% | 5,223 |
| Noninterest expense to average assets | 2.5891% | 4,275 |
| Loan and lease loss provision to assets | 0.3008% | 654 |
| Net operating income to assets | 0.2130% | 5,798 |
| Return on assets (ROA) | 0.2607% | 5,761 |
| Pretax return on assets | 0.3375% | 5,708 |
| Return on Equity (ROE) | 3.6487% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.6487% | 3,867 |
| Net charge-offs to loans | 0.4758% | 845 |
| Credit loss provision to net charge-offs | 109.8326% | 1,828 |
| Earnings coverage of net charge-offs (x) | 2.1046% | 3,637 |
| Efficiency ratio | 81.7919% | 1,766 |
| Assets per employee ($millions) | 7.7312% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 2,202 |
| Loan loss allowance to noncurrent loans | 236.2919% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 3,939 |
| Noncurrent loans to loans | 0.7093% | 3,934 |
| Net loans and leases to total assets | 58.0218% | 3,990 |
| Net loans and leases to deposits | 65.5522% | 4,315 |
| Net loans and leases to core deposits | 71.4144% | 4,111 |
| Total domestic deposits to total assets | 88.5124% | 1,631 |
| Equity capital to assets | 7.0279% | 6,440 |
| Core capital (leverage) ratio | 7.2630% | 6,380 |
| Tier 1 risk-based capital ratio | 12.0250% | 5,526 |
| Total risk-based capital ratio | 13.2803% | 5,460 |
| Memoranda: | ||
| Average total assets | $349,083,000 | 1,873 |
| Average earning assets | $334,344,330 | 1,802 |
| Average equity | $24,940,330 | 2,666 |
| Average total loans | $200,908,330 | 2,040 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 5,869 |
| Cost of funding earning assets | 0.2740% | 5,345 |
| Net interest margin | 3.0115% | 5,496 |
| Noninterest income to average assets | 0.3930% | 4,246 |
| Noninterest expense to average assets | 2.7116% | 3,897 |
| Loan and lease loss provision to assets | 0.3509% | 503 |
| Net operating income to assets | 0.1614% | 5,904 |
| Return on assets (ROA) | 0.1614% | 5,943 |
| Pretax return on assets | 0.2106% | 5,904 |
| Return on Equity (ROE) | 2.2401% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.2401% | 4,709 |
| Net charge-offs to loans | 0.5315% | 696 |
| Credit loss provision to net charge-offs | 116.2791% | 1,491 |
| Earnings coverage of net charge-offs (x) | 1.8605% | 3,006 |
| Efficiency ratio | 82.8449% | 1,818 |
| Assets per employee ($millions) | 7.5659% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 1,957 |
| Loan loss allowance to noncurrent loans | 187.1220% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9798% | 3,303 |
| Noncurrent loans to loans | 0.9775% | 3,469 |
| Net loans and leases to total assets | 55.3493% | 4,230 |
| Net loans and leases to deposits | 63.3948% | 4,388 |
| Net loans and leases to core deposits | 65.7905% | 4,504 |
| Total domestic deposits to total assets | 87.3090% | 2,631 |
| Equity capital to assets | 7.1456% | 6,409 |
| Core capital (leverage) ratio | 7.3264% | 6,396 |
| Tier 1 risk-based capital ratio | 12.4989% | 5,315 |
| Total risk-based capital ratio | 13.7548% | 5,249 |
| Memoranda: | ||
| Average total assets | $341,942,000 | 1,918 |
| Average earning assets | $327,015,500 | 1,841 |
| Average equity | $24,642,000 | 2,676 |
| Average total loans | $194,150,000 | 2,104 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 5,605 |
| Cost of funding earning assets | 0.3861% | 4,789 |
| Net interest margin | 3.1321% | 5,219 |
| Noninterest income to average assets | 0.5778% | 3,226 |
| Noninterest expense to average assets | 2.7973% | 3,737 |
| Loan and lease loss provision to assets | 0.3256% | 1,004 |
| Net operating income to assets | 0.3041% | 5,508 |
| Return on assets (ROA) | 0.3041% | 5,606 |
| Pretax return on assets | 0.4190% | 5,446 |
| Return on Equity (ROE) | 3.8495% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.8495% | 3,463 |
| Net charge-offs to loans | 0.6460% | 1,004 |
| Credit loss provision to net charge-offs | 84.7245% | 2,906 |
| Earnings coverage of net charge-offs (x) | 1.9374% | 4,405 |
| Efficiency ratio | 78.9764% | 2,323 |
| Assets per employee ($millions) | 7.3011% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 1,928 |
| Loan loss allowance to noncurrent loans | 148.9085% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1633% | 3,071 |
| Noncurrent loans to loans | 1.2401% | 3,066 |
| Net loans and leases to total assets | 56.1350% | 4,299 |
| Net loans and leases to deposits | 61.3712% | 4,789 |
| Net loans and leases to core deposits | 63.6642% | 4,903 |
| Total domestic deposits to total assets | 91.4679% | 412 |
| Equity capital to assets | 7.2696% | 6,374 |
| Core capital (leverage) ratio | 7.5447% | 6,353 |
| Tier 1 risk-based capital ratio | 12.7909% | 5,120 |
| Total risk-based capital ratio | 14.0476% | 5,062 |
| Memoranda: | ||
| Average total assets | $311,689,200 | 2,069 |
| Average earning assets | $294,973,600 | 2,006 |
| Average equity | $24,626,600 | 2,666 |
| Average total loans | $185,459,400 | 2,152 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 5,548 |
| Cost of funding earning assets | 0.4087% | 4,749 |
| Net interest margin | 3.1528% | 5,142 |
| Noninterest income to average assets | 0.6303% | 2,991 |
| Noninterest expense to average assets | 2.7792% | 3,733 |
| Loan and lease loss provision to assets | 0.3490% | 919 |
| Net operating income to assets | 0.3573% | 5,413 |
| Return on assets (ROA) | 0.3573% | 5,543 |
| Pretax return on assets | 0.4772% | 5,428 |
| Return on Equity (ROE) | 4.4246% | 5,014 |
| Retained earnings to average equity (ytd only) | 4.4246% | 3,527 |
| Net charge-offs to loans | 0.5905% | 1,063 |
| Credit loss provision to net charge-offs | 98.2801% | 2,429 |
| Earnings coverage of net charge-offs (x) | 2.3268% | 4,062 |
| Efficiency ratio | 77.0841% | 2,549 |
| Assets per employee ($millions) | 7.0051% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 1,791 |
| Loan loss allowance to noncurrent loans | 133.7653% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4307% | 2,811 |
| Noncurrent loans to loans | 1.4745% | 2,953 |
| Net loans and leases to total assets | 58.5898% | 3,908 |
| Net loans and leases to deposits | 64.6108% | 4,450 |
| Net loans and leases to core deposits | 67.2079% | 4,600 |
| Total domestic deposits to total assets | 90.6811% | 666 |
| Equity capital to assets | 7.7534% | 6,281 |
| Core capital (leverage) ratio | 7.9546% | 6,256 |
| Tier 1 risk-based capital ratio | 13.1221% | 5,036 |
| Total risk-based capital ratio | 14.3802% | 4,981 |
| Memoranda: | ||
| Average total assets | $305,648,750 | 2,113 |
| Average earning assets | $288,414,750 | 2,066 |
| Average equity | $24,679,500 | 2,684 |
| Average total loans | $183,805,000 | 2,169 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 5,437 |
| Cost of funding earning assets | 0.4452% | 4,482 |
| Net interest margin | 3.1538% | 5,114 |
| Noninterest income to average assets | 0.7214% | 2,542 |
| Noninterest expense to average assets | 2.8097% | 3,643 |
| Loan and lease loss provision to assets | 0.3968% | 789 |
| Net operating income to assets | 0.3551% | 5,386 |
| Return on assets (ROA) | 0.3551% | 5,566 |
| Pretax return on assets | 0.4801% | 5,440 |
| Return on Equity (ROE) | 4.3378% | 5,076 |
| Retained earnings to average equity (ytd only) | 4.3378% | 3,514 |
| Net charge-offs to loans | 0.7472% | 866 |
| Credit loss provision to net charge-offs | 88.1057% | 2,484 |
| Earnings coverage of net charge-offs (x) | 1.9471% | 3,869 |
| Efficiency ratio | 76.2152% | 2,750 |
| Assets per employee ($millions) | 6.7183% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 1,824 |
| Loan loss allowance to noncurrent loans | 125.7842% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 2,921 |
| Noncurrent loans to loans | 1.5991% | 2,911 |
| Net loans and leases to total assets | 58.7994% | 3,856 |
| Net loans and leases to deposits | 66.8929% | 4,163 |
| Net loans and leases to core deposits | 70.7532% | 4,189 |
| Total domestic deposits to total assets | 87.9007% | 2,316 |
| Equity capital to assets | 8.0272% | 6,180 |
| Core capital (leverage) ratio | 7.9890% | 6,195 |
| Tier 1 risk-based capital ratio | 13.3217% | 4,901 |
| Total risk-based capital ratio | 14.5807% | 4,840 |
| Memoranda: | ||
| Average total assets | $302,455,330 | 2,148 |
| Average earning assets | $284,351,330 | 2,099 |
| Average equity | $24,759,000 | 2,685 |
| Average total loans | $182,270,670 | 2,180 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 5,313 |
| Cost of funding earning assets | 0.4831% | 4,260 |
| Net interest margin | 3.1644% | 5,045 |
| Noninterest income to average assets | 0.6294% | 2,981 |
| Noninterest expense to average assets | 2.7476% | 3,884 |
| Loan and lease loss provision to assets | 0.3967% | 782 |
| Net operating income to assets | 0.3306% | 5,442 |
| Return on assets (ROA) | 0.3306% | 5,579 |
| Pretax return on assets | 0.4469% | 5,424 |
| Return on Equity (ROE) | 3.9993% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.9993% | 3,833 |
| Net charge-offs to loans | 0.4773% | 1,249 |
| Credit loss provision to net charge-offs | 137.6147% | 1,453 |
| Earnings coverage of net charge-offs (x) | 2.9266% | 2,897 |
| Efficiency ratio | 76.5096% | 2,843 |
| Assets per employee ($millions) | 6.6883% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 1,787 |
| Loan loss allowance to noncurrent loans | 102.1436% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.8068% | 2,601 |
| Noncurrent loans to loans | 2.0594% | 2,554 |
| Net loans and leases to total assets | 58.9428% | 3,618 |
| Net loans and leases to deposits | 66.1153% | 4,038 |
| Net loans and leases to core deposits | 68.9419% | 4,188 |
| Total domestic deposits to total assets | 89.1515% | 1,596 |
| Equity capital to assets | 8.3300% | 6,167 |
| Core capital (leverage) ratio | 7.8754% | 6,237 |
| Tier 1 risk-based capital ratio | 13.3503% | 4,971 |
| Total risk-based capital ratio | 14.6104% | 4,917 |
| Memoranda: | ||
| Average total assets | $302,521,500 | 2,171 |
| Average earning assets | $283,149,500 | 2,133 |
| Average equity | $25,004,500 | 2,704 |
| Average total loans | $182,699,500 | 2,182 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 5,078 |
| Cost of funding earning assets | 0.5807% | 4,528 |
| Net interest margin | 3.4856% | 4,555 |
| Noninterest income to average assets | 0.7778% | 2,353 |
| Noninterest expense to average assets | 2.7052% | 4,382 |
| Loan and lease loss provision to assets | 0.7949% | 613 |
| Net operating income to assets | 0.4140% | 5,040 |
| Return on assets (ROA) | 0.4221% | 5,262 |
| Pretax return on assets | 0.5454% | 5,148 |
| Return on Equity (ROE) | 4.9281% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.9281% | 2,748 |
| Net charge-offs to loans | 0.7816% | 1,498 |
| Credit loss provision to net charge-offs | 161.4620% | 1,664 |
| Earnings coverage of net charge-offs (x) | 2.7012% | 4,082 |
| Efficiency ratio | 67.0419% | 4,319 |
| Assets per employee ($millions) | 6.6102% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 1,952 |
| Loan loss allowance to noncurrent loans | 78.1315% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.9058% | 2,560 |
| Noncurrent loans to loans | 2.5920% | 2,041 |
| Net loans and leases to total assets | 59.3465% | 3,712 |
| Net loans and leases to deposits | 66.2337% | 4,251 |
| Net loans and leases to core deposits | 69.0700% | 4,425 |
| Total domestic deposits to total assets | 89.6017% | 1,189 |
| Equity capital to assets | 8.2014% | 6,280 |
| Core capital (leverage) ratio | 7.9081% | 6,276 |
| Tier 1 risk-based capital ratio | 13.5143% | 4,740 |
| Total risk-based capital ratio | 14.7746% | 4,687 |
| Memoranda: | ||
| Average total assets | $286,188,000 | 2,228 |
| Average earning assets | $267,446,000 | 2,175 |
| Average equity | $24,512,400 | 2,707 |
| Average total loans | $180,282,000 | 2,200 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 5,057 |
| Cost of funding earning assets | 0.5778% | 4,855 |
| Net interest margin | 3.5579% | 4,410 |
| Noninterest income to average assets | 0.7156% | 2,636 |
| Noninterest expense to average assets | 2.6991% | 4,368 |
| Loan and lease loss provision to assets | 0.6508% | 811 |
| Net operating income to assets | 0.5242% | 4,737 |
| Return on assets (ROA) | 0.5348% | 4,954 |
| Pretax return on assets | 0.7170% | 4,803 |
| Return on Equity (ROE) | 6.1732% | 4,248 |
| Retained earnings to average equity (ytd only) | 6.1732% | 2,582 |
| Net charge-offs to loans | 0.7808% | 1,417 |
| Credit loss provision to net charge-offs | 130.9524% | 2,198 |
| Earnings coverage of net charge-offs (x) | 2.7238% | 3,945 |
| Efficiency ratio | 66.6005% | 4,333 |
| Assets per employee ($millions) | 6.1034% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 3,024 |
| Loan loss allowance to noncurrent loans | 75.4793% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.8368% | 2,877 |
| Noncurrent loans to loans | 2.2975% | 2,511 |
| Net loans and leases to total assets | 64.3631% | 2,961 |
| Net loans and leases to deposits | 73.0572% | 3,440 |
| Net loans and leases to core deposits | 76.7167% | 3,640 |
| Total domestic deposits to total assets | 88.0997% | 1,988 |
| Equity capital to assets | 8.9223% | 5,900 |
| Core capital (leverage) ratio | 8.5407% | 5,698 |
| Tier 1 risk-based capital ratio | 13.6490% | 4,784 |
| Total risk-based capital ratio | 14.9056% | 4,735 |
| Memoranda: | ||
| Average total assets | $281,717,500 | 2,287 |
| Average earning assets | $264,233,750 | 2,230 |
| Average equity | $24,406,000 | 2,742 |
| Average total loans | $179,306,250 | 2,239 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1746% | 5,040 |
| Cost of funding earning assets | 0.5863% | 5,015 |
| Net interest margin | 3.5883% | 4,311 |
| Noninterest income to average assets | 0.4666% | 4,156 |
| Noninterest expense to average assets | 2.6082% | 4,747 |
| Loan and lease loss provision to assets | 0.6028% | 984 |
| Net operating income to assets | 0.4762% | 4,930 |
| Return on assets (ROA) | 0.4865% | 5,133 |
| Pretax return on assets | 0.6368% | 5,003 |
| Return on Equity (ROE) | 5.6715% | 4,493 |
| Retained earnings to average equity (ytd only) | 5.6715% | 2,894 |
| Net charge-offs to loans | 0.5310% | 2,000 |
| Credit loss provision to net charge-offs | 180.0847% | 1,566 |
| Earnings coverage of net charge-offs (x) | 3.6631% | 3,308 |
| Efficiency ratio | 68.0229% | 4,119 |
| Assets per employee ($millions) | 6.2135% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 2,792 |
| Loan loss allowance to noncurrent loans | 94.3264% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6756% | 3,207 |
| Noncurrent loans to loans | 1.9264% | 3,033 |
| Net loans and leases to total assets | 64.0750% | 3,016 |
| Net loans and leases to deposits | 71.9734% | 3,614 |
| Net loans and leases to core deposits | 77.5571% | 3,580 |
| Total domestic deposits to total assets | 89.0260% | 1,488 |
| Equity capital to assets | 8.9758% | 5,722 |
| Core capital (leverage) ratio | 8.4105% | 5,776 |
| Tier 1 risk-based capital ratio | 13.4719% | 4,853 |
| Total risk-based capital ratio | 14.7292% | 4,802 |
| Memoranda: | ||
| Average total assets | $282,037,670 | 2,287 |
| Average earning assets | $264,696,670 | 2,228 |
| Average equity | $24,191,330 | 2,751 |
| Average total loans | $177,777,330 | 2,261 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 5,240 |
| Cost of funding earning assets | 0.6017% | 5,111 |
| Net interest margin | 3.5594% | 4,446 |
| Noninterest income to average assets | 0.5392% | 3,631 |
| Noninterest expense to average assets | 2.4850% | 5,196 |
| Loan and lease loss provision to assets | 0.6286% | 887 |
| Net operating income to assets | 0.5811% | 4,437 |
| Return on assets (ROA) | 0.5811% | 4,660 |
| Pretax return on assets | 0.7641% | 4,555 |
| Return on Equity (ROE) | 6.9283% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.9283% | 2,470 |
| Net charge-offs to loans | 0.5861% | 1,628 |
| Credit loss provision to net charge-offs | 173.0769% | 1,473 |
| Earnings coverage of net charge-offs (x) | 3.8346% | 2,732 |
| Efficiency ratio | 64.0850% | 4,909 |
| Assets per employee ($millions) | 6.5612% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 3,291 |
| Loan loss allowance to noncurrent loans | 91.9880% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.6163% | 3,423 |
| Noncurrent loans to loans | 1.8627% | 3,325 |
| Net loans and leases to total assets | 62.0933% | 3,238 |
| Net loans and leases to deposits | 70.7818% | 3,617 |
| Net loans and leases to core deposits | 74.4375% | 3,843 |
| Total domestic deposits to total assets | 87.7249% | 2,511 |
| Equity capital to assets | 8.5942% | 5,998 |
| Core capital (leverage) ratio | 8.0892% | 6,174 |
| Tier 1 risk-based capital ratio | 13.1610% | 5,086 |
| Total risk-based capital ratio | 14.4170% | 5,055 |
| Memoranda: | ||
| Average total assets | $286,360,500 | 2,274 |
| Average earning assets | $268,585,500 | 2,214 |
| Average equity | $24,017,500 | 2,766 |
| Average total loans | $177,457,000 | 2,274 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 5,593 |
| Cost of funding earning assets | 0.8892% | 4,192 |
| Net interest margin | 3.4644% | 5,271 |
| Noninterest income to average assets | 0.5438% | 3,556 |
| Noninterest expense to average assets | 2.6128% | 5,046 |
| Loan and lease loss provision to assets | 0.8861% | 1,088 |
| Net operating income to assets | 0.2739% | 5,355 |
| Return on assets (ROA) | 0.2739% | 5,505 |
| Pretax return on assets | 0.2782% | 5,615 |
| Return on Equity (ROE) | 3.2870% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.2870% | 3,885 |
| Net charge-offs to loans | 1.7943% | 821 |
| Credit loss provision to net charge-offs | 77.9528% | 4,553 |
| Earnings coverage of net charge-offs (x) | 1.0243% | 5,023 |
| Efficiency ratio | 69.1754% | 4,115 |
| Assets per employee ($millions) | 6.6043% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 3,509 |
| Loan loss allowance to noncurrent loans | 95.3078% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.4608% | 3,790 |
| Noncurrent loans to loans | 1.7009% | 3,612 |
| Net loans and leases to total assets | 59.8133% | 4,024 |
| Net loans and leases to deposits | 67.5663% | 4,502 |
| Net loans and leases to core deposits | 70.2781% | 4,745 |
| Total domestic deposits to total assets | 88.5254% | 1,840 |
| Equity capital to assets | 8.1861% | 6,444 |
| Core capital (leverage) ratio | 7.9040% | 6,356 |
| Tier 1 risk-based capital ratio | 12.7882% | 5,249 |
| Total risk-based capital ratio | 14.0433% | 5,227 |
| Memoranda: | ||
| Average total assets | $279,314,000 | 2,273 |
| Average earning assets | $260,676,600 | 2,234 |
| Average equity | $23,273,600 | 2,752 |
| Average total loans | $176,948,000 | 2,295 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 5,562 |
| Cost of funding earning assets | 0.9475% | 4,067 |
| Net interest margin | 3.4674% | 5,321 |
| Noninterest income to average assets | 0.5261% | 3,683 |
| Noninterest expense to average assets | 2.6850% | 4,787 |
| Loan and lease loss provision to assets | 0.7354% | 1,300 |
| Net operating income to assets | 0.3043% | 5,377 |
| Return on assets (ROA) | 0.3043% | 5,555 |
| Pretax return on assets | 0.3385% | 5,627 |
| Return on Equity (ROE) | 3.6350% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.6350% | 4,164 |
| Net charge-offs to loans | 1.5584% | 915 |
| Credit loss provision to net charge-offs | 73.7071% | 4,361 |
| Earnings coverage of net charge-offs (x) | 1.0764% | 4,827 |
| Efficiency ratio | 71.4304% | 3,662 |
| Assets per employee ($millions) | 6.5409% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 3,245 |
| Loan loss allowance to noncurrent loans | 78.2383% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.7002% | 3,541 |
| Noncurrent loans to loans | 2.1827% | 3,137 |
| Net loans and leases to total assets | 61.8027% | 3,778 |
| Net loans and leases to deposits | 70.6882% | 4,188 |
| Net loans and leases to core deposits | 74.1486% | 4,429 |
| Total domestic deposits to total assets | 87.4300% | 2,391 |
| Equity capital to assets | 8.4140% | 6,382 |
| Core capital (leverage) ratio | 8.0163% | 6,381 |
| Tier 1 risk-based capital ratio | 12.7832% | 5,263 |
| Total risk-based capital ratio | 14.0385% | 5,245 |
| Memoranda: | ||
| Average total assets | $276,495,250 | 2,308 |
| Average earning assets | $257,784,750 | 2,264 |
| Average equity | $23,145,000 | 2,765 |
| Average total loans | $177,016,250 | 2,303 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 5,715 |
| Cost of funding earning assets | 0.9955% | 3,980 |
| Net interest margin | 3.3993% | 5,560 |
| Noninterest income to average assets | 0.4773% | 4,047 |
| Noninterest expense to average assets | 2.7151% | 4,758 |
| Loan and lease loss provision to assets | 0.6548% | 1,469 |
| Net operating income to assets | 0.2815% | 5,442 |
| Return on assets (ROA) | 0.2815% | 5,572 |
| Pretax return on assets | 0.3121% | 5,643 |
| Return on Equity (ROE) | 3.3694% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.3694% | 4,118 |
| Net charge-offs to loans | 1.1600% | 1,344 |
| Credit loss provision to net charge-offs | 87.6339% | 3,526 |
| Earnings coverage of net charge-offs (x) | 1.2941% | 4,320 |
| Efficiency ratio | 73.7404% | 3,407 |
| Assets per employee ($millions) | 6.2761% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 2,503 |
| Loan loss allowance to noncurrent loans | 93.3714% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.6669% | 3,679 |
| Noncurrent loans to loans | 2.0904% | 3,362 |
| Net loans and leases to total assets | 62.5217% | 3,784 |
| Net loans and leases to deposits | 71.4573% | 4,210 |
| Net loans and leases to core deposits | 79.3814% | 3,874 |
| Total domestic deposits to total assets | 87.4952% | 2,473 |
| Equity capital to assets | 8.4183% | 6,282 |
| Core capital (leverage) ratio | 8.1051% | 6,162 |
| Tier 1 risk-based capital ratio | 12.6226% | 5,243 |
| Total risk-based capital ratio | 13.8810% | 5,202 |
| Memoranda: | ||
| Average total assets | $274,907,670 | 2,329 |
| Average earning assets | $259,171,000 | 2,260 |
| Average equity | $22,971,670 | 2,760 |
| Average total loans | $177,073,330 | 2,319 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 5,816 |
| Cost of funding earning assets | 1.0214% | 4,053 |
| Net interest margin | 3.3405% | 5,643 |
| Noninterest income to average assets | 0.5469% | 3,533 |
| Noninterest expense to average assets | 2.7723% | 4,553 |
| Loan and lease loss provision to assets | 0.6562% | 1,310 |
| Net operating income to assets | 0.2887% | 5,464 |
| Return on assets (ROA) | 0.2887% | 5,536 |
| Pretax return on assets | 0.2756% | 5,723 |
| Return on Equity (ROE) | 3.4685% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.4685% | 4,108 |
| Net charge-offs to loans | 0.5609% | 2,085 |
| Credit loss provision to net charge-offs | 180.7229% | 1,619 |
| Earnings coverage of net charge-offs (x) | 2.5663% | 3,055 |
| Efficiency ratio | 74.8425% | 3,354 |
| Assets per employee ($millions) | 6.4191% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1173% | 2,146 |
| Loan loss allowance to noncurrent loans | 81.9191% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.8364% | 3,516 |
| Noncurrent loans to loans | 2.5846% | 2,911 |
| Net loans and leases to total assets | 63.0584% | 3,639 |
| Net loans and leases to deposits | 72.2340% | 4,038 |
| Net loans and leases to core deposits | 82.4764% | 3,385 |
| Total domestic deposits to total assets | 87.2974% | 2,765 |
| Equity capital to assets | 8.3033% | 6,157 |
| Core capital (leverage) ratio | 8.1159% | 6,102 |
| Tier 1 risk-based capital ratio | 12.3357% | 5,412 |
| Total risk-based capital ratio | 13.5957% | 5,395 |
| Memoranda: | ||
| Average total assets | $274,287,000 | 2,354 |
| Average earning assets | $259,243,000 | 2,275 |
| Average equity | $22,834,000 | 2,764 |
| Average total loans | $177,565,000 | 2,341 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 6,413 |
| Cost of funding earning assets | 1.2322% | 4,342 |
| Net interest margin | 3.2618% | 6,098 |
| Noninterest income to average assets | 0.5580% | 3,766 |
| Noninterest expense to average assets | 2.5576% | 5,590 |
| Loan and lease loss provision to assets | 1.1246% | 1,420 |
| Net operating income to assets | 0.0369% | 5,738 |
| Return on assets (ROA) | 0.1135% | 5,694 |
| Pretax return on assets | 0.0307% | 5,834 |
| Return on Equity (ROE) | 1.4235% | 5,576 |
| Retained earnings to average equity (ytd only) | 1.4235% | 4,819 |
| Net charge-offs to loans | 1.0131% | 2,171 |
| Credit loss provision to net charge-offs | 176.5040% | 1,890 |
| Earnings coverage of net charge-offs (x) | 1.6930% | 4,461 |
| Efficiency ratio | 70.3361% | 4,107 |
| Assets per employee ($millions) | 6.1944% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 2,272 |
| Loan loss allowance to noncurrent loans | 71.2515% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.9262% | 3,442 |
| Noncurrent loans to loans | 2.8210% | 2,699 |
| Net loans and leases to total assets | 63.7478% | 3,927 |
| Net loans and leases to deposits | 74.5793% | 4,103 |
| Net loans and leases to core deposits | 83.6190% | 3,648 |
| Total domestic deposits to total assets | 85.4765% | 3,613 |
| Equity capital to assets | 8.3467% | 6,079 |
| Core capital (leverage) ratio | 7.9899% | 6,217 |
| Tier 1 risk-based capital ratio | 12.2618% | 5,245 |
| Total risk-based capital ratio | 13.5216% | 5,198 |
| Memoranda: | ||
| Average total assets | $276,544,400 | 2,312 |
| Average earning assets | $260,990,200 | 2,243 |
| Average equity | $22,058,000 | 2,869 |
| Average total loans | $173,919,800 | 2,421 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 6,627 |
| Cost of funding earning assets | 1.2847% | 4,330 |
| Net interest margin | 3.2059% | 6,325 |
| Noninterest income to average assets | 0.4842% | 4,303 |
| Noninterest expense to average assets | 2.5053% | 5,704 |
| Loan and lease loss provision to assets | 0.6293% | 2,420 |
| Net operating income to assets | 0.2872% | 5,216 |
| Return on assets (ROA) | 0.3656% | 5,086 |
| Pretax return on assets | 0.4761% | 5,000 |
| Return on Equity (ROE) | 4.6362% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.6362% | 3,239 |
| Net charge-offs to loans | 0.4329% | 3,565 |
| Credit loss provision to net charge-offs | 233.0961% | 1,461 |
| Earnings coverage of net charge-offs (x) | 3.7171% | 3,323 |
| Efficiency ratio | 71.3992% | 3,820 |
| Assets per employee ($millions) | 6.4483% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 3,241 |
| Loan loss allowance to noncurrent loans | 83.5636% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3687% | 4,432 |
| Noncurrent loans to loans | 2.0021% | 3,674 |
| Net loans and leases to total assets | 62.8238% | 4,363 |
| Net loans and leases to deposits | 71.4768% | 4,918 |
| Net loans and leases to core deposits | 80.3420% | 4,472 |
| Total domestic deposits to total assets | 87.8941% | 2,021 |
| Equity capital to assets | 8.4774% | 6,304 |
| Core capital (leverage) ratio | 8.0491% | 6,277 |
| Tier 1 risk-based capital ratio | 12.3792% | 5,094 |
| Total risk-based capital ratio | 13.6336% | 5,068 |
| Memoranda: | ||
| Average total assets | $277,542,500 | 2,335 |
| Average earning assets | $261,846,750 | 2,277 |
| Average equity | $21,885,250 | 2,933 |
| Average total loans | $173,072,250 | 2,474 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 6,699 |
| Cost of funding earning assets | 1.3402% | 4,250 |
| Net interest margin | 3.1663% | 6,417 |
| Noninterest income to average assets | 0.4308% | 4,674 |
| Noninterest expense to average assets | 2.4479% | 5,917 |
| Loan and lease loss provision to assets | 0.7168% | 2,032 |
| Net operating income to assets | 0.1958% | 5,576 |
| Return on assets (ROA) | 0.3134% | 5,285 |
| Pretax return on assets | 0.4092% | 5,196 |
| Return on Equity (ROE) | 4.0759% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.0759% | 3,488 |
| Net charge-offs to loans | 0.5195% | 2,974 |
| Credit loss provision to net charge-offs | 223.0942% | 1,744 |
| Earnings coverage of net charge-offs (x) | 3.0291% | 3,484 |
| Efficiency ratio | 71.5519% | 3,890 |
| Assets per employee ($millions) | 6.1505% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 3,468 |
| Loan loss allowance to noncurrent loans | 78.2178% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3130% | 4,520 |
| Noncurrent loans to loans | 2.0396% | 3,666 |
| Net loans and leases to total assets | 61.6213% | 4,760 |
| Net loans and leases to deposits | 71.2180% | 5,115 |
| Net loans and leases to core deposits | 80.7410% | 4,586 |
| Total domestic deposits to total assets | 86.5250% | 2,805 |
| Equity capital to assets | 8.3788% | 6,322 |
| Core capital (leverage) ratio | 7.9138% | 6,370 |
| Tier 1 risk-based capital ratio | 12.2127% | 5,115 |
| Total risk-based capital ratio | 13.4660% | 5,082 |
| Memoranda: | ||
| Average total assets | $277,631,000 | 2,350 |
| Average earning assets | $262,195,000 | 2,284 |
| Average equity | $21,345,000 | 2,996 |
| Average total loans | $171,709,670 | 2,517 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 6,799 |
| Cost of funding earning assets | 1.3868% | 4,264 |
| Net interest margin | 3.1088% | 6,567 |
| Noninterest income to average assets | 0.3409% | 5,417 |
| Noninterest expense to average assets | 2.4024% | 6,075 |
| Loan and lease loss provision to assets | 0.9207% | 1,380 |
| Net operating income to assets | -0.0379% | 6,357 |
| Return on assets (ROA) | 0.2000% | 5,809 |
| Pretax return on assets | 0.2575% | 5,725 |
| Return on Equity (ROE) | 2.7225% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.7225% | 4,502 |
| Net charge-offs to loans | 1.0789% | 1,547 |
| Credit loss provision to net charge-offs | 138.8286% | 2,548 |
| Earnings coverage of net charge-offs (x) | 1.3167% | 3,958 |
| Efficiency ratio | 73.3421% | 3,698 |
| Assets per employee ($millions) | 6.2148% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 4,430 |
| Loan loss allowance to noncurrent loans | 74.0111% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 4,847 |
| Noncurrent loans to loans | 1.8890% | 3,941 |
| Net loans and leases to total assets | 60.3966% | 5,051 |
| Net loans and leases to deposits | 68.1108% | 5,575 |
| Net loans and leases to core deposits | 75.3276% | 5,356 |
| Total domestic deposits to total assets | 88.6741% | 1,692 |
| Equity capital to assets | 7.3526% | 7,181 |
| Core capital (leverage) ratio | 7.0638% | 7,209 |
| Tier 1 risk-based capital ratio | 10.9380% | 6,216 |
| Total risk-based capital ratio | 12.1884% | 6,195 |
| Memoranda: | ||
| Average total assets | $278,061,000 | 2,410 |
| Average earning assets | $262,477,000 | 2,336 |
| Average equity | $20,422,500 | 3,143 |
| Average total loans | $170,907,000 | 2,593 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 6,856 |
| Cost of funding earning assets | 1.7571% | 4,216 |
| Net interest margin | 3.0869% | 6,409 |
| Noninterest income to average assets | 0.4620% | 4,705 |
| Noninterest expense to average assets | 2.5723% | 5,890 |
| Loan and lease loss provision to assets | 0.6269% | 3,301 |
| Net operating income to assets | 0.2179% | 4,842 |
| Return on assets (ROA) | 0.1904% | 5,000 |
| Pretax return on assets | 0.1297% | 5,159 |
| Return on Equity (ROE) | 2.3554% | 4,762 |
| Retained earnings to average equity (ytd only) | 2.3554% | 3,470 |
| Net charge-offs to loans | 0.6928% | 3,109 |
| Credit loss provision to net charge-offs | 142.9493% | 3,363 |
| Earnings coverage of net charge-offs (x) | 1.7880% | 4,380 |
| Efficiency ratio | 76.6378% | 3,415 |
| Assets per employee ($millions) | 6.0099% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,773 |
| Loan loss allowance to noncurrent loans | 68.4584% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 4,445 |
| Noncurrent loans to loans | 1.8984% | 3,804 |
| Net loans and leases to total assets | 60.8756% | 5,208 |
| Net loans and leases to deposits | 71.5824% | 5,392 |
| Net loans and leases to core deposits | 87.1890% | 5,416 |
| Total domestic deposits to total assets | 85.0427% | 3,531 |
| Equity capital to assets | 7.3365% | 7,170 |
| Core capital (leverage) ratio | 7.5037% | 6,785 |
| Tier 1 risk-based capital ratio | 10.8298% | 6,085 |
| Total risk-based capital ratio | 12.0341% | 6,100 |
| Memoranda: | ||
| Average total assets | $247,409,600 | 2,633 |
| Average earning assets | $231,979,600 | 2,578 |
| Average equity | $19,996,800 | 3,198 |
| Average total loans | $156,602,400 | 2,822 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9236% | 6,828 |
| Cost of funding earning assets | 1.8305% | 4,231 |
| Net interest margin | 3.0931% | 6,329 |
| Noninterest income to average assets | 0.4919% | 4,555 |
| Noninterest expense to average assets | 2.6488% | 5,528 |
| Loan and lease loss provision to assets | 0.4480% | 3,671 |
| Net operating income to assets | 0.2743% | 4,886 |
| Return on assets (ROA) | 0.2743% | 4,993 |
| Pretax return on assets | 0.2920% | 5,086 |
| Return on Equity (ROE) | 3.3056% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.3056% | 3,462 |
| Net charge-offs to loans | 0.4510% | 3,427 |
| Credit loss provision to net charge-offs | 155.7915% | 3,059 |
| Earnings coverage of net charge-offs (x) | 2.5734% | 3,939 |
| Efficiency ratio | 78.1619% | 3,143 |
| Assets per employee ($millions) | 5.9829% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 4,681 |
| Loan loss allowance to noncurrent loans | 60.9749% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 4,161 |
| Noncurrent loans to loans | 2.0839% | 3,519 |
| Net loans and leases to total assets | 61.5816% | 5,314 |
| Net loans and leases to deposits | 70.8958% | 5,803 |
| Net loans and leases to core deposits | 86.9189% | 5,771 |
| Total domestic deposits to total assets | 86.8622% | 2,253 |
| Equity capital to assets | 7.9754% | 6,868 |
| Core capital (leverage) ratio | 7.9729% | 6,406 |
| Tier 1 risk-based capital ratio | 11.4945% | 5,433 |
| Total risk-based capital ratio | 12.6693% | 5,451 |
| Memoranda: | ||
| Average total assets | $240,148,500 | 2,733 |
| Average earning assets | $224,922,750 | 2,673 |
| Average equity | $19,925,500 | 3,246 |
| Average total loans | $153,125,750 | 2,900 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 6,934 |
| Cost of funding earning assets | 1.8565% | 4,480 |
| Net interest margin | 3.0884% | 6,285 |
| Noninterest income to average assets | 0.4905% | 4,526 |
| Noninterest expense to average assets | 2.6565% | 5,535 |
| Loan and lease loss provision to assets | 0.4274% | 3,410 |
| Net operating income to assets | 0.3114% | 4,841 |
| Return on assets (ROA) | 0.3114% | 4,958 |
| Pretax return on assets | 0.3131% | 5,184 |
| Return on Equity (ROE) | 3.7003% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.7003% | 3,235 |
| Net charge-offs to loans | 0.6292% | 2,463 |
| Credit loss provision to net charge-offs | 105.6962% | 4,352 |
| Earnings coverage of net charge-offs (x) | 1.8312% | 4,196 |
| Efficiency ratio | 78.2019% | 3,314 |
| Assets per employee ($millions) | 5.9928% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,348 |
| Loan loss allowance to noncurrent loans | 63.3964% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.3562% | 4,241 |
| Noncurrent loans to loans | 1.7935% | 3,810 |
| Net loans and leases to total assets | 64.4546% | 4,886 |
| Net loans and leases to deposits | 75.0361% | 5,313 |
| Net loans and leases to core deposits | 92.5241% | 5,292 |
| Total domestic deposits to total assets | 85.8981% | 2,837 |
| Equity capital to assets | 8.3325% | 6,289 |
| Core capital (leverage) ratio | 8.3242% | 5,753 |
| Tier 1 risk-based capital ratio | 11.6916% | 5,203 |
| Total risk-based capital ratio | 12.7398% | 5,309 |
| Memoranda: | ||
| Average total assets | $234,443,000 | 2,811 |
| Average earning assets | $220,631,000 | 2,739 |
| Average equity | $19,728,000 | 3,288 |
| Average total loans | $150,678,670 | 2,973 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 7,077 |
| Cost of funding earning assets | 1.9536% | 4,361 |
| Net interest margin | 2.9845% | 6,521 |
| Noninterest income to average assets | 0.3658% | 5,505 |
| Noninterest expense to average assets | 2.4417% | 6,050 |
| Loan and lease loss provision to assets | 0.2606% | 3,876 |
| Net operating income to assets | 0.3865% | 4,907 |
| Return on assets (ROA) | 0.3865% | 5,089 |
| Pretax return on assets | 0.4711% | 5,169 |
| Return on Equity (ROE) | 4.5703% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.5703% | 3,390 |
| Net charge-offs to loans | 0.1731% | 3,597 |
| Credit loss provision to net charge-offs | 235.9375% | 1,959 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 2,465 |
| Efficiency ratio | 76.9440% | 3,336 |
| Assets per employee ($millions) | 5.7720% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 4,585 |
| Loan loss allowance to noncurrent loans | 84.8891% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 4,846 |
| Noncurrent loans to loans | 1.4496% | 4,126 |
| Net loans and leases to total assets | 63.8632% | 5,017 |
| Net loans and leases to deposits | 77.5573% | 4,998 |
| Net loans and leases to core deposits | 92.3252% | 5,318 |
| Total domestic deposits to total assets | 82.3433% | 4,422 |
| Equity capital to assets | 8.6018% | 5,916 |
| Core capital (leverage) ratio | 8.5276% | 5,479 |
| Tier 1 risk-based capital ratio | 11.9912% | 4,974 |
| Total risk-based capital ratio | 13.1104% | 4,980 |
| Memoranda: | ||
| Average total assets | $231,808,000 | 2,857 |
| Average earning assets | $218,057,000 | 2,784 |
| Average equity | $19,605,000 | 3,321 |
| Average total loans | $147,876,500 | 3,043 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5053% | 7,288 |
| Cost of funding earning assets | 2.6016% | 3,677 |
| Net interest margin | 2.9037% | 7,148 |
| Noninterest income to average assets | 0.3635% | 5,808 |
| Noninterest expense to average assets | 2.4315% | 6,293 |
| Loan and lease loss provision to assets | 0.4222% | 3,168 |
| Net operating income to assets | 0.2832% | 5,598 |
| Return on assets (ROA) | 0.2978% | 5,366 |
| Pretax return on assets | 0.2426% | 5,643 |
| Return on Equity (ROE) | 3.5179% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.5179% | 2,951 |
| Net charge-offs to loans | 0.4133% | 2,747 |
| Credit loss provision to net charge-offs | 169.9822% | 3,016 |
| Earnings coverage of net charge-offs (x) | 2.6181% | 4,780 |
| Efficiency ratio | 78.9007% | 2,774 |
| Assets per employee ($millions) | 5.9676% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 4,575 |
| Loan loss allowance to noncurrent loans | 100.8065% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 4,984 |
| Noncurrent loans to loans | 1.1852% | 4,139 |
| Net loans and leases to total assets | 62.1815% | 5,596 |
| Net loans and leases to deposits | 71.2034% | 6,141 |
| Net loans and leases to core deposits | 83.1928% | 6,368 |
| Total domestic deposits to total assets | 87.3294% | 1,787 |
| Equity capital to assets | 8.3142% | 6,403 |
| Core capital (leverage) ratio | 8.1090% | 6,310 |
| Tier 1 risk-based capital ratio | 12.0077% | 4,817 |
| Total risk-based capital ratio | 13.0877% | 4,855 |
| Memoranda: | ||
| Average total assets | $226,696,000 | 2,808 |
| Average earning assets | $212,215,200 | 2,746 |
| Average equity | $19,187,800 | 3,367 |
| Average total loans | $136,233,800 | 3,156 |