Home > 5Star Bank > Performance and Condition Ratios
5Star 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 | 6.9115% | 374 |
| Cost of funding earning assets | 2.0994% | 1,658 |
| Net interest margin | 4.8122% | 398 |
| Noninterest income to average assets | 0.2100% | 3,487 |
| Noninterest expense to average assets | 2.8227% | 1,474 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 1.4275% | 1,208 |
| Return on assets (ROA) | 1.4275% | 1,209 |
| Pretax return on assets | 1.8638% | 857 |
| Return on Equity (ROE) | 8.7500% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.7459% | 1,490 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 56.3778% | 3,374 |
| Assets per employee ($millions) | 6.6563% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 1,917 |
| Loan loss allowance to noncurrent loans | 382.8008% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 1.3615% | 473 |
| Noncurrent loans to loans | 0.3275% | 2,331 |
| Net loans and leases to total assets | 86.0700% | 130 |
| Net loans and leases to deposits | 103.5667% | 286 |
| Net loans and leases to core deposits | 109.8089% | 862 |
| Total domestic deposits to total assets | 83.1100% | 3,093 |
| Equity capital to assets | 16.4454% | 434 |
| Core capital (leverage) ratio | 16.9115% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $371,277,500 | 2,168 |
| Average earning assets | $358,010,000 | 2,113 |
| Average equity | $60,600,000 | 1,535 |
| Average total loans | $317,956,000 | 1,807 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9937% | 401 |
| Cost of funding earning assets | 2.2863% | 1,559 |
| Net interest margin | 4.7074% | 493 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 3.2623% | 810 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.0891% | 1,786 |
| Return on assets (ROA) | 1.1268% | 1,678 |
| Pretax return on assets | 1.5016% | 1,277 |
| Return on Equity (ROE) | 7.2200% | 2,957 |
| Retained earnings to average equity (ytd only) | 5.9999% | 1,828 |
| Net charge-offs to loans | 0.0414% | 1,773 |
| Credit loss provision to net charge-offs | 173.0769% | 1,257 |
| Earnings coverage of net charge-offs (x) | 42.9692% | 1,293 |
| Efficiency ratio | 66.3696% | 2,448 |
| Assets per employee ($millions) | 6.4877% | 2,509 |
| Cash dividends to net income (ytd only)* | 16.8472% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 1,858 |
| Loan loss allowance to noncurrent loans | 258.9439% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 1.3050% | 472 |
| Noncurrent loans to loans | 0.4871% | 1,862 |
| Net loans and leases to total assets | 83.0400% | 355 |
| Net loans and leases to deposits | 99.6479% | 505 |
| Net loans and leases to core deposits | 106.7843% | 1,088 |
| Total domestic deposits to total assets | 83.3300% | 2,955 |
| Equity capital to assets | 16.1976% | 448 |
| Core capital (leverage) ratio | 16.6669% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $368,730,800 | 2,154 |
| Average earning assets | $356,734,800 | 2,087 |
| Average equity | $57,584,600 | 1,545 |
| Average total loans | $314,170,800 | 1,803 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9559% | 412 |
| Cost of funding earning assets | 2.3373% | 1,462 |
| Net interest margin | 4.6186% | 545 |
| Noninterest income to average assets | 0.2000% | 3,691 |
| Noninterest expense to average assets | 3.2976% | 734 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.0020% | 2,054 |
| Return on assets (ROA) | 1.0523% | 1,909 |
| Pretax return on assets | 1.3978% | 1,515 |
| Return on Equity (ROE) | 6.8000% | 3,085 |
| Retained earnings to average equity (ytd only) | 5.3981% | 2,307 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 68.4621% | 2,204 |
| Assets per employee ($millions) | 6.4147% | 2,575 |
| Cash dividends to net income (ytd only)* | 20.6327% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 1,926 |
| Loan loss allowance to noncurrent loans | 3,890.1961% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 789 |
| Noncurrent loans to loans | 0.0322% | 3,574 |
| Net loans and leases to total assets | 87.1000% | 105 |
| Net loans and leases to deposits | 104.5941% | 303 |
| Net loans and leases to core deposits | 112.6488% | 841 |
| Total domestic deposits to total assets | 83.2800% | 2,764 |
| Equity capital to assets | 16.3393% | 473 |
| Core capital (leverage) ratio | 16.0766% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $368,463,250 | 2,142 |
| Average earning assets | $357,325,500 | 2,078 |
| Average equity | $57,006,000 | 1,543 |
| Average total loans | $314,961,500 | 1,798 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7906% | 465 |
| Cost of funding earning assets | 2.3274% | 1,390 |
| Net interest margin | 4.4632% | 651 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 3.4521% | 608 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.7751% | 2,708 |
| Return on assets (ROA) | 0.8500% | 2,475 |
| Pretax return on assets | 1.0981% | 2,216 |
| Return on Equity (ROE) | 5.6000% | 3,383 |
| Retained earnings to average equity (ytd only) | 3.4690% | 2,899 |
| Net charge-offs to loans | 0.0604% | 1,161 |
| Credit loss provision to net charge-offs | 146.3158% | 1,237 |
| Earnings coverage of net charge-offs (x) | 21.0842% | 1,601 |
| Efficiency ratio | 74.1920% | 1,620 |
| Assets per employee ($millions) | 6.5851% | 2,350 |
| Cash dividends to net income (ytd only)* | 37.9987% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,100 |
| Loan loss allowance to noncurrent loans | 791.8200% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.9908% | 609 |
| Noncurrent loans to loans | 0.1550% | 2,879 |
| Net loans and leases to total assets | 83.0200% | 376 |
| Net loans and leases to deposits | 98.3738% | 635 |
| Net loans and leases to core deposits | 104.2050% | 1,248 |
| Total domestic deposits to total assets | 84.3900% | 2,496 |
| Equity capital to assets | 15.2485% | 547 |
| Core capital (leverage) ratio | 15.3924% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $371,542,667 | 2,123 |
| Average earning assets | $360,323,667 | 2,067 |
| Average equity | $56,443,000 | 1,543 |
| Average total loans | $314,329,333 | 1,798 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7639% | 434 |
| Cost of funding earning assets | 2.3164% | 1,305 |
| Net interest margin | 4.4475% | 625 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 3.7745% | 433 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.5129% | 3,365 |
| Return on assets (ROA) | 0.6633% | 2,993 |
| Pretax return on assets | 0.8462% | 2,813 |
| Return on Equity (ROE) | 4.3700% | 3,598 |
| Retained earnings to average equity (ytd only) | 0.0928% | 3,682 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.8881% | 1,048 |
| Assets per employee ($millions) | 6.6890% | 2,295 |
| Cash dividends to net income (ytd only)* | 97.8793% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,050 |
| Loan loss allowance to noncurrent loans | 2,072.8723% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,335 |
| Noncurrent loans to loans | 0.0600% | 3,333 |
| Net loans and leases to total assets | 82.6800% | 352 |
| Net loans and leases to deposits | 97.7792% | 603 |
| Net loans and leases to core deposits | 103.1811% | 1,240 |
| Total domestic deposits to total assets | 84.5500% | 2,556 |
| Equity capital to assets | 14.9929% | 552 |
| Core capital (leverage) ratio | 15.3865% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $369,639,500 | 2,145 |
| Average earning assets | $358,312,000 | 2,078 |
| Average equity | $56,047,000 | 1,540 |
| Average total loans | $313,759,500 | 1,794 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7815% | 266 |
| Cost of funding earning assets | 1.8796% | 1,105 |
| Net interest margin | 4.9020% | 362 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 3.5215% | 568 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 1.1217% | 1,853 |
| Return on assets (ROA) | 1.0116% | 2,164 |
| Pretax return on assets | 1.2857% | 1,908 |
| Return on Equity (ROE) | 6.6900% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.1386% | 2,191 |
| Net charge-offs to loans | 0.0126% | 2,176 |
| Credit loss provision to net charge-offs | -242.5000% | 4,511 |
| Earnings coverage of net charge-offs (x) | 125.4750% | 803 |
| Efficiency ratio | 70.3035% | 1,837 |
| Assets per employee ($millions) | 6.5124% | 2,409 |
| Cash dividends to net income (ytd only)* | 8.2599% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,182 |
| Loan loss allowance to noncurrent loans | 2,036.1702% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,249 |
| Noncurrent loans to loans | 0.0599% | 3,291 |
| Net loans and leases to total assets | 85.0300% | 206 |
| Net loans and leases to deposits | 101.0555% | 477 |
| Net loans and leases to core deposits | 107.8267% | 1,044 |
| Total domestic deposits to total assets | 84.1400% | 2,584 |
| Equity capital to assets | 15.3369% | 522 |
| Core capital (leverage) ratio | 15.5633% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $359,020,400 | 2,165 |
| Average earning assets | $345,453,800 | 2,112 |
| Average equity | $54,279,600 | 1,508 |
| Average total loans | $317,521,400 | 1,733 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7930% | 235 |
| Cost of funding earning assets | 1.7091% | 1,174 |
| Net interest margin | 5.0839% | 284 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 3.4305% | 604 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.3035% | 1,542 |
| Return on assets (ROA) | 1.1562% | 1,890 |
| Pretax return on assets | 1.4768% | 1,613 |
| Return on Equity (ROE) | 7.6800% | 3,267 |
| Retained earnings to average equity (ytd only) | 6.9330% | 2,311 |
| Net charge-offs to loans | 0.0092% | 2,063 |
| Credit loss provision to net charge-offs | -145.4545% | 4,538 |
| Earnings coverage of net charge-offs (x) | 201.3182% | 596 |
| Efficiency ratio | 66.6324% | 2,200 |
| Assets per employee ($millions) | 6.5458% | 2,295 |
| Cash dividends to net income (ytd only)* | 9.6743% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,176 |
| Loan loss allowance to noncurrent loans | 5,431.9444% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,627 |
| Noncurrent loans to loans | 0.0228% | 3,603 |
| Net loans and leases to total assets | 86.6700% | 131 |
| Net loans and leases to deposits | 103.0258% | 387 |
| Net loans and leases to core deposits | 109.7909% | 879 |
| Total domestic deposits to total assets | 84.1300% | 2,737 |
| Equity capital to assets | 15.2312% | 511 |
| Core capital (leverage) ratio | 16.1088% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $357,601,500 | 2,173 |
| Average earning assets | $343,401,750 | 2,120 |
| Average equity | $53,866,250 | 1,506 |
| Average total loans | $318,419,500 | 1,722 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5547% | 247 |
| Cost of funding earning assets | 1.5579% | 1,152 |
| Net interest margin | 4.9968% | 313 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.1329% | 863 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.4899% | 1,121 |
| Return on assets (ROA) | 1.2792% | 1,609 |
| Pretax return on assets | 1.6385% | 1,342 |
| Return on Equity (ROE) | 8.5200% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.4033% | 2,163 |
| Net charge-offs to loans | -0.0031% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.4051% | 2,658 |
| Assets per employee ($millions) | 6.4661% | 2,319 |
| Cash dividends to net income (ytd only)* | 13.1464% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,343 |
| Loan loss allowance to noncurrent loans | 3,977.7778% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,507 |
| Noncurrent loans to loans | 0.0307% | 3,523 |
| Net loans and leases to total assets | 89.5800% | 42 |
| Net loans and leases to deposits | 119.6588% | 94 |
| Net loans and leases to core deposits | 127.4016% | 367 |
| Total domestic deposits to total assets | 74.8700% | 4,132 |
| Equity capital to assets | 15.2361% | 498 |
| Core capital (leverage) ratio | 15.8291% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $356,796,000 | 2,179 |
| Average earning assets | $343,020,000 | 2,127 |
| Average equity | $53,543,333 | 1,518 |
| Average total loans | $319,245,667 | 1,709 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3626% | 209 |
| Cost of funding earning assets | 1.2381% | 1,365 |
| Net interest margin | 5.1244% | 244 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 3.9421% | 369 |
| Loan and lease loss provision to assets | -0.2000% | 4,624 |
| Net operating income to assets | 1.0800% | 2,283 |
| Return on assets (ROA) | 1.5009% | 1,164 |
| Pretax return on assets | 1.9162% | 889 |
| Return on Equity (ROE) | 10.0800% | 2,763 |
| Retained earnings to average equity (ytd only) | 10.0784% | 1,679 |
| Net charge-offs to loans | -0.0038% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.8660% | 1,094 |
| Assets per employee ($millions) | 6.2231% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,680 |
| Loan loss allowance to noncurrent loans | 5,266.6667% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 3,604 |
| Noncurrent loans to loans | 0.0223% | 3,613 |
| Net loans and leases to total assets | 89.7700% | 36 |
| Net loans and leases to deposits | 113.5825% | 130 |
| Net loans and leases to core deposits | 118.5918% | 477 |
| Total domestic deposits to total assets | 79.0300% | 3,896 |
| Equity capital to assets | 15.1994% | 467 |
| Core capital (leverage) ratio | 15.7638% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $357,376,500 | 2,206 |
| Average earning assets | $344,389,500 | 2,152 |
| Average equity | $53,222,500 | 1,531 |
| Average total loans | $317,605,500 | 1,732 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 245 |
| Cost of funding earning assets | 0.4475% | 1,740 |
| Net interest margin | 4.6881% | 206 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.4161% | 2,375 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.7971% | 448 |
| Return on assets (ROA) | 1.7971% | 430 |
| Pretax return on assets | 2.3452% | 257 |
| Return on Equity (ROE) | 13.5100% | 1,652 |
| Retained earnings to average equity (ytd only) | 13.5089% | 452 |
| Net charge-offs to loans | -0.0427% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.9372% | 4,069 |
| Assets per employee ($millions) | 6.5461% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,065 |
| Loan loss allowance to noncurrent loans | 5,506.9444% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,649 |
| Noncurrent loans to loans | 0.0230% | 3,632 |
| Net loans and leases to total assets | 85.8300% | 167 |
| Net loans and leases to deposits | 101.4334% | 387 |
| Net loans and leases to core deposits | 105.7131% | 759 |
| Total domestic deposits to total assets | 84.6200% | 3,078 |
| Equity capital to assets | 14.5902% | 518 |
| Core capital (leverage) ratio | 14.5269% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $374,772,400 | 2,123 |
| Average earning assets | $362,643,800 | 2,060 |
| Average equity | $49,856,200 | 1,628 |
| Average total loans | $297,176,000 | 1,733 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8833% | 251 |
| Cost of funding earning assets | 0.3354% | 1,815 |
| Net interest margin | 4.5479% | 219 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.3456% | 2,493 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 1.7552% | 467 |
| Return on assets (ROA) | 1.7552% | 455 |
| Pretax return on assets | 2.2924% | 279 |
| Return on Equity (ROE) | 13.5000% | 1,565 |
| Retained earnings to average equity (ytd only) | 13.5044% | 540 |
| Net charge-offs to loans | -0.0568% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.7888% | 4,114 |
| Assets per employee ($millions) | 6.7144% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,075 |
| Loan loss allowance to noncurrent loans | 5,317.3333% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,733 |
| Noncurrent loans to loans | 0.0243% | 3,729 |
| Net loans and leases to total assets | 85.7200% | 139 |
| Net loans and leases to deposits | 100.6959% | 339 |
| Net loans and leases to core deposits | 103.0458% | 698 |
| Total domestic deposits to total assets | 85.1200% | 3,258 |
| Equity capital to assets | 14.2574% | 539 |
| Core capital (leverage) ratio | 14.0670% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $378,456,500 | 2,120 |
| Average earning assets | $366,464,250 | 2,059 |
| Average equity | $49,187,750 | 1,663 |
| Average total loans | $293,221,500 | 1,745 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 450 |
| Cost of funding earning assets | 0.2919% | 1,789 |
| Net interest margin | 4.0919% | 407 |
| Noninterest income to average assets | 0.1808% | 4,098 |
| Noninterest expense to average assets | 2.2498% | 2,706 |
| Loan and lease loss provision to assets | -0.1285% | 4,628 |
| Net operating income to assets | 1.5576% | 610 |
| Return on assets (ROA) | 1.5576% | 595 |
| Pretax return on assets | 2.0322% | 355 |
| Return on Equity (ROE) | 12.3522% | 1,566 |
| Retained earnings to average equity (ytd only) | 12.3522% | 553 |
| Net charge-offs to loans | -0.0854% | 4,397 |
| Credit loss provision to net charge-offs | 201.6260% | 962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9296% | 3,973 |
| Assets per employee ($millions) | 6.5615% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 79.6628% | 432 |
| Net loans and leases to deposits | 92.9840% | 556 |
| Net loans and leases to core deposits | 95.2499% | 857 |
| Total domestic deposits to total assets | 85.6737% | 3,332 |
| Equity capital to assets | 13.7017% | 562 |
| Core capital (leverage) ratio | 13.8564% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,987,333 | 2,107 |
| Average earning assets | $374,736,000 | 2,049 |
| Average equity | $48,671,333 | 1,713 |
| Average total loans | $287,956,000 | 1,761 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 583 |
| Cost of funding earning assets | 0.3061% | 1,599 |
| Net interest margin | 3.8393% | 586 |
| Noninterest income to average assets | 0.1616% | 4,188 |
| Noninterest expense to average assets | 2.1137% | 3,104 |
| Loan and lease loss provision to assets | -0.1144% | 4,616 |
| Net operating income to assets | 1.4553% | 702 |
| Return on assets (ROA) | 1.4553% | 698 |
| Pretax return on assets | 1.9009% | 448 |
| Return on Equity (ROE) | 12.0194% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.0194% | 601 |
| Net charge-offs to loans | -0.1691% | 4,570 |
| Credit loss provision to net charge-offs | 94.2149% | 1,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1945% | 4,039 |
| Assets per employee ($millions) | 6.8394% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 2,017 |
| Loan loss allowance to noncurrent loans | 1,610.1215% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,411 |
| Noncurrent loans to loans | 0.0853% | 3,415 |
| Net loans and leases to total assets | 74.6007% | 608 |
| Net loans and leases to deposits | 86.5299% | 704 |
| Net loans and leases to core deposits | 88.4215% | 997 |
| Total domestic deposits to total assets | 86.2138% | 3,189 |
| Equity capital to assets | 12.6726% | 767 |
| Core capital (leverage) ratio | 12.2625% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,543,500 | 2,057 |
| Average earning assets | $388,095,500 | 1,995 |
| Average equity | $48,255,500 | 1,782 |
| Average total loans | $286,267,500 | 1,759 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 1,562 |
| Cost of funding earning assets | 0.3564% | 1,880 |
| Net interest margin | 3.5636% | 1,567 |
| Noninterest income to average assets | 0.1958% | 4,188 |
| Noninterest expense to average assets | 2.1372% | 3,281 |
| Loan and lease loss provision to assets | -0.0052% | 4,149 |
| Net operating income to assets | 1.1741% | 2,010 |
| Return on assets (ROA) | 1.1838% | 2,045 |
| Pretax return on assets | 1.5518% | 1,564 |
| Return on Equity (ROE) | 10.5706% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.2545% | 1,116 |
| Net charge-offs to loans | 0.0390% | 1,476 |
| Credit loss provision to net charge-offs | -19.0909% | 3,187 |
| Earnings coverage of net charge-offs (x) | 56.7818% | 1,217 |
| Efficiency ratio | 57.9085% | 3,463 |
| Assets per employee ($millions) | 7.6681% | 1,519 |
| Cash dividends to net income (ytd only)* | 12.4507% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,904 |
| Loan loss allowance to noncurrent loans | 620.3125% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 2,859 |
| Noncurrent loans to loans | 0.2263% | 2,823 |
| Net loans and leases to total assets | 67.3450% | 1,328 |
| Net loans and leases to deposits | 77.9698% | 1,399 |
| Net loans and leases to core deposits | 79.4008% | 1,646 |
| Total domestic deposits to total assets | 86.3732% | 2,771 |
| Equity capital to assets | 11.5857% | 1,466 |
| Core capital (leverage) ratio | 12.0212% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,071,400 | 1,964 |
| Average earning assets | $397,040,200 | 1,917 |
| Average equity | $45,588,600 | 1,904 |
| Average total loans | $282,349,000 | 1,779 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 1,715 |
| Cost of funding earning assets | 0.3706% | 1,933 |
| Net interest margin | 3.5456% | 1,743 |
| Noninterest income to average assets | 0.1964% | 4,218 |
| Noninterest expense to average assets | 2.1369% | 3,260 |
| Loan and lease loss provision to assets | 0.0210% | 2,570 |
| Net operating income to assets | 1.1456% | 2,386 |
| Return on assets (ROA) | 1.1586% | 2,390 |
| Pretax return on assets | 1.5138% | 1,959 |
| Return on Equity (ROE) | 10.4371% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.6591% | 1,817 |
| Net charge-offs to loans | -0.0005% | 3,080 |
| Credit loss provision to net charge-offs | -6,400.0000% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1443% | 3,240 |
| Assets per employee ($millions) | 8.3329% | 1,117 |
| Cash dividends to net income (ytd only)* | 17.0358% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 65.9742% | 1,551 |
| Net loans and leases to deposits | 76.3900% | 1,635 |
| Net loans and leases to core deposits | 77.7240% | 1,910 |
| Total domestic deposits to total assets | 86.3649% | 2,611 |
| Equity capital to assets | 10.7704% | 2,198 |
| Core capital (leverage) ratio | 11.8722% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $405,319,250 | 1,992 |
| Average earning assets | $395,415,250 | 1,941 |
| Average equity | $44,992,250 | 1,942 |
| Average total loans | $282,228,250 | 1,814 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 1,874 |
| Cost of funding earning assets | 0.3929% | 1,948 |
| Net interest margin | 3.4853% | 1,900 |
| Noninterest income to average assets | 0.2172% | 4,106 |
| Noninterest expense to average assets | 2.1460% | 3,254 |
| Loan and lease loss provision to assets | 0.0146% | 2,661 |
| Net operating income to assets | 1.1195% | 2,469 |
| Return on assets (ROA) | 1.1394% | 2,465 |
| Pretax return on assets | 1.4824% | 2,076 |
| Return on Equity (ROE) | 10.1545% | 2,696 |
| Retained earnings to average equity (ytd only) | 7.4539% | 2,273 |
| Net charge-offs to loans | -0.0007% | 3,058 |
| Credit loss provision to net charge-offs | -2,900.0000% | 3,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9697% | 3,156 |
| Assets per employee ($millions) | 7.0705% | 1,752 |
| Cash dividends to net income (ytd only)* | 26.5957% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,946 |
| Loan loss allowance to noncurrent loans | 1,409.8976% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,695 |
| Noncurrent loans to loans | 0.0998% | 3,686 |
| Net loans and leases to total assets | 75.7992% | 609 |
| Net loans and leases to deposits | 87.8025% | 787 |
| Net loans and leases to core deposits | 89.3910% | 1,180 |
| Total domestic deposits to total assets | 86.3291% | 2,613 |
| Equity capital to assets | 11.9241% | 1,402 |
| Core capital (leverage) ratio | 11.4703% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $395,989,333 | 2,019 |
| Average earning assets | $386,368,000 | 1,960 |
| Average equity | $44,433,333 | 1,954 |
| Average total loans | $279,625,000 | 1,837 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 2,465 |
| Cost of funding earning assets | 0.4016% | 2,083 |
| Net interest margin | 3.2617% | 2,507 |
| Noninterest income to average assets | 0.2372% | 3,974 |
| Noninterest expense to average assets | 2.0065% | 3,697 |
| Loan and lease loss provision to assets | 0.0189% | 2,534 |
| Net operating income to assets | 1.0539% | 2,620 |
| Return on assets (ROA) | 1.0539% | 2,703 |
| Pretax return on assets | 1.3953% | 2,293 |
| Return on Equity (ROE) | 9.6795% | 2,794 |
| Retained earnings to average equity (ytd only) | 4.2109% | 3,443 |
| Net charge-offs to loans | -0.0015% | 3,080 |
| Credit loss provision to net charge-offs | -1,900.0000% | 3,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1375% | 3,279 |
| Assets per employee ($millions) | 7.9057% | 1,234 |
| Cash dividends to net income (ytd only)* | 56.4972% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,664 |
| Loan loss allowance to noncurrent loans | 1,406.4846% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,853 |
| Noncurrent loans to loans | 0.1055% | 3,783 |
| Net loans and leases to total assets | 67.8846% | 1,546 |
| Net loans and leases to deposits | 81.2068% | 1,409 |
| Net loans and leases to core deposits | 82.5139% | 1,801 |
| Total domestic deposits to total assets | 83.5947% | 3,547 |
| Equity capital to assets | 10.9528% | 1,897 |
| Core capital (leverage) ratio | 11.0613% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $403,081,500 | 1,984 |
| Average earning assets | $393,414,000 | 1,927 |
| Average equity | $43,886,500 | 1,954 |
| Average total loans | $272,669,500 | 1,868 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 1,419 |
| Cost of funding earning assets | 0.6207% | 2,174 |
| Net interest margin | 3.8375% | 1,401 |
| Noninterest income to average assets | 0.2282% | 4,134 |
| Noninterest expense to average assets | 2.3964% | 3,139 |
| Loan and lease loss provision to assets | 0.3215% | 1,143 |
| Net operating income to assets | 0.9279% | 2,575 |
| Return on assets (ROA) | 0.9279% | 2,722 |
| Pretax return on assets | 1.2362% | 2,203 |
| Return on Equity (ROE) | 7.5992% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.5992% | 1,171 |
| Net charge-offs to loans | 0.0027% | 3,288 |
| Credit loss provision to net charge-offs | 15,614.2857% | 66 |
| Earnings coverage of net charge-offs (x) | 756.5714% | 155 |
| Efficiency ratio | 60.1532% | 3,433 |
| Assets per employee ($millions) | 8.0594% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 1,469 |
| Loan loss allowance to noncurrent loans | 1,399.6587% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,971 |
| Noncurrent loans to loans | 0.1095% | 3,855 |
| Net loans and leases to total assets | 65.3674% | 2,175 |
| Net loans and leases to deposits | 79.6448% | 1,907 |
| Net loans and leases to core deposits | 81.4113% | 2,241 |
| Total domestic deposits to total assets | 82.0736% | 3,646 |
| Equity capital to assets | 10.8226% | 2,409 |
| Core capital (leverage) ratio | 11.6973% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,005,000 | 2,092 |
| Average earning assets | $330,106,600 | 2,021 |
| Average equity | $41,517,400 | 1,968 |
| Average total loans | $256,428,400 | 1,892 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 1,654 |
| Cost of funding earning assets | 0.6893% | 2,092 |
| Net interest margin | 3.7789% | 1,685 |
| Noninterest income to average assets | 0.2632% | 3,891 |
| Noninterest expense to average assets | 2.3918% | 3,160 |
| Loan and lease loss provision to assets | 0.6171% | 398 |
| Net operating income to assets | 0.6928% | 3,483 |
| Return on assets (ROA) | 0.6928% | 3,582 |
| Pretax return on assets | 0.9194% | 3,329 |
| Return on Equity (ROE) | 5.4804% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.4804% | 2,333 |
| Net charge-offs to loans | 0.0189% | 2,479 |
| Credit loss provision to net charge-offs | 4,169.4444% | 268 |
| Earnings coverage of net charge-offs (x) | 103.8056% | 769 |
| Efficiency ratio | 60.3936% | 3,333 |
| Assets per employee ($millions) | 7.6183% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 995 |
| Loan loss allowance to noncurrent loans | 1,529.0102% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 4,049 |
| Noncurrent loans to loans | 0.1074% | 3,936 |
| Net loans and leases to total assets | 70.4210% | 1,885 |
| Net loans and leases to deposits | 87.8766% | 1,499 |
| Net loans and leases to core deposits | 89.9029% | 1,980 |
| Total domestic deposits to total assets | 80.1363% | 3,833 |
| Equity capital to assets | 11.0539% | 2,357 |
| Core capital (leverage) ratio | 12.1104% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,263,750 | 2,149 |
| Average earning assets | $314,511,500 | 2,082 |
| Average equity | $40,993,750 | 1,974 |
| Average total loans | $253,657,500 | 1,899 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8833% | 1,004 |
| Cost of funding earning assets | 0.7837% | 1,910 |
| Net interest margin | 4.0996% | 1,114 |
| Noninterest income to average assets | 0.2600% | 3,916 |
| Noninterest expense to average assets | 2.6158% | 2,611 |
| Loan and lease loss provision to assets | 1.4264% | 92 |
| Net operating income to assets | 0.1402% | 4,642 |
| Return on assets (ROA) | 0.1402% | 4,677 |
| Pretax return on assets | 0.1886% | 4,643 |
| Return on Equity (ROE) | 1.0536% | 4,681 |
| Retained earnings to average equity (ytd only) | 1.0536% | 4,087 |
| Net charge-offs to loans | 0.0307% | 2,109 |
| Credit loss provision to net charge-offs | 5,731.5789% | 207 |
| Earnings coverage of net charge-offs (x) | 64.8947% | 919 |
| Efficiency ratio | 61.3003% | 3,234 |
| Assets per employee ($millions) | 7.4910% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 499 |
| Loan loss allowance to noncurrent loans | 854.8922% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 3,702 |
| Noncurrent loans to loans | 0.2256% | 3,572 |
| Net loans and leases to total assets | 71.4072% | 1,817 |
| Net loans and leases to deposits | 89.3192% | 1,413 |
| Net loans and leases to core deposits | 93.2430% | 1,805 |
| Total domestic deposits to total assets | 79.9461% | 3,853 |
| Equity capital to assets | 11.0611% | 2,286 |
| Core capital (leverage) ratio | 11.4782% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,379,667 | 2,218 |
| Average earning assets | $295,785,333 | 2,153 |
| Average equity | $40,623,000 | 1,970 |
| Average total loans | $247,301,667 | 1,921 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5170% | 367 |
| Cost of funding earning assets | 0.9185% | 1,773 |
| Net interest margin | 4.5985% | 415 |
| Noninterest income to average assets | 0.4254% | 2,934 |
| Noninterest expense to average assets | 2.7391% | 2,603 |
| Loan and lease loss provision to assets | 1.1670% | 163 |
| Net operating income to assets | 0.7212% | 3,198 |
| Return on assets (ROA) | 0.7212% | 3,283 |
| Pretax return on assets | 0.9616% | 2,958 |
| Return on Equity (ROE) | 4.8728% | 3,680 |
| Retained earnings to average equity (ytd only) | 4.8728% | 2,335 |
| Net charge-offs to loans | -0.0017% | 3,633 |
| Credit loss provision to net charge-offs | -80,100.0000% | 4,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7318% | 4,232 |
| Assets per employee ($millions) | 5.9065% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 1,096 |
| Loan loss allowance to noncurrent loans | 599.2151% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 3,548 |
| Noncurrent loans to loans | 0.2653% | 3,545 |
| Net loans and leases to total assets | 85.1025% | 194 |
| Net loans and leases to deposits | 100.1382% | 550 |
| Net loans and leases to core deposits | 105.6693% | 1,079 |
| Total domestic deposits to total assets | 84.9851% | 2,417 |
| Equity capital to assets | 14.7267% | 827 |
| Core capital (leverage) ratio | 14.4373% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5171% | 1,232 |
| Memoranda: | ||
| Average total assets | $274,539,000 | 2,352 |
| Average earning assets | $265,217,000 | 2,288 |
| Average equity | $40,634,000 | 1,963 |
| Average total loans | $237,321,000 | 1,944 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7311% | 378 |
| Cost of funding earning assets | 0.8621% | 2,368 |
| Net interest margin | 4.8689% | 351 |
| Noninterest income to average assets | 0.3937% | 3,331 |
| Noninterest expense to average assets | 3.1525% | 1,637 |
| Loan and lease loss provision to assets | 0.3843% | 381 |
| Net operating income to assets | 1.1418% | 2,284 |
| Return on assets (ROA) | 1.1418% | 2,382 |
| Pretax return on assets | 1.5222% | 1,740 |
| Return on Equity (ROE) | 6.8376% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.8376% | 1,461 |
| Net charge-offs to loans | 0.0230% | 2,950 |
| Credit loss provision to net charge-offs | 1,947.8261% | 199 |
| Earnings coverage of net charge-offs (x) | 96.6304% | 696 |
| Efficiency ratio | 61.6193% | 3,433 |
| Assets per employee ($millions) | 6.0328% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 1,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 85.2980% | 218 |
| Net loans and leases to deposits | 100.6533% | 553 |
| Net loans and leases to core deposits | 105.5342% | 1,140 |
| Total domestic deposits to total assets | 84.7444% | 2,595 |
| Equity capital to assets | 14.8766% | 824 |
| Core capital (leverage) ratio | 14.7966% | 728 |
| Tier 1 risk-based capital ratio | 16.3889% | 2,261 |
| Total risk-based capital ratio | 17.6389% | 2,202 |
| Memoranda: | ||
| Average total assets | $233,147,600 | 2,556 |
| Average earning assets | $223,395,600 | 2,511 |
| Average equity | $38,931,800 | 1,981 |
| Average total loans | $200,058,800 | 2,165 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7652% | 375 |
| Cost of funding earning assets | 0.8156% | 2,635 |
| Net interest margin | 4.9496% | 319 |
| Noninterest income to average assets | 0.4306% | 3,140 |
| Noninterest expense to average assets | 3.1888% | 1,489 |
| Loan and lease loss provision to assets | 0.4258% | 308 |
| Net operating income to assets | 1.1659% | 2,315 |
| Return on assets (ROA) | 1.1659% | 2,402 |
| Pretax return on assets | 1.5536% | 1,801 |
| Return on Equity (ROE) | 6.7584% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.7584% | 1,975 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9624% | 3,481 |
| Assets per employee ($millions) | 5.5712% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 1,997 |
| Loan loss allowance to noncurrent loans | 4,719.6721% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,621 |
| Noncurrent loans to loans | 0.0274% | 4,549 |
| Net loans and leases to total assets | 87.7095% | 107 |
| Net loans and leases to deposits | 104.6058% | 379 |
| Net loans and leases to core deposits | 111.7825% | 856 |
| Total domestic deposits to total assets | 83.8476% | 2,877 |
| Equity capital to assets | 15.8257% | 669 |
| Core capital (leverage) ratio | 16.3494% | 518 |
| Tier 1 risk-based capital ratio | 17.0391% | 2,075 |
| Total risk-based capital ratio | 18.2894% | 2,027 |
| Memoranda: | ||
| Average total assets | $223,566,000 | 2,651 |
| Average earning assets | $213,990,750 | 2,598 |
| Average equity | $38,568,250 | 2,005 |
| Average total loans | $191,429,250 | 2,245 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7155% | 390 |
| Cost of funding earning assets | 0.7728% | 2,787 |
| Net interest margin | 4.9427% | 328 |
| Noninterest income to average assets | 0.3207% | 3,784 |
| Noninterest expense to average assets | 3.2351% | 1,438 |
| Loan and lease loss provision to assets | 0.4093% | 296 |
| Net operating income to assets | 1.0451% | 2,740 |
| Return on assets (ROA) | 1.0451% | 2,816 |
| Pretax return on assets | 1.3929% | 2,230 |
| Return on Equity (ROE) | 5.8693% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.8693% | 2,341 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3722% | 3,234 |
| Assets per employee ($millions) | 4.9432% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 1,770 |
| Loan loss allowance to noncurrent loans | 916.9014% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 4,086 |
| Noncurrent loans to loans | 0.1485% | 4,018 |
| Net loans and leases to total assets | 88.7697% | 83 |
| Net loans and leases to deposits | 109.0645% | 240 |
| Net loans and leases to core deposits | 117.5034% | 626 |
| Total domestic deposits to total assets | 81.3919% | 3,695 |
| Equity capital to assets | 18.2731% | 352 |
| Core capital (leverage) ratio | 17.2598% | 402 |
| Tier 1 risk-based capital ratio | 19.2694% | 1,493 |
| Total risk-based capital ratio | 20.5202% | 1,458 |
| Memoranda: | ||
| Average total assets | $214,519,330 | 2,741 |
| Average earning assets | $204,707,330 | 2,686 |
| Average equity | $38,199,000 | 2,013 |
| Average total loans | $180,981,670 | 2,333 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6065% | 427 |
| Cost of funding earning assets | 0.7400% | 2,833 |
| Net interest margin | 4.8665% | 358 |
| Noninterest income to average assets | 0.3137% | 3,762 |
| Noninterest expense to average assets | 3.1090% | 1,713 |
| Loan and lease loss provision to assets | 0.2246% | 692 |
| Net operating income to assets | 1.2158% | 2,003 |
| Return on assets (ROA) | 1.2158% | 2,051 |
| Pretax return on assets | 1.6186% | 1,421 |
| Return on Equity (ROE) | 6.9169% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.9169% | 2,075 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8816% | 3,552 |
| Assets per employee ($millions) | 5.1526% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,125 |
| Loan loss allowance to noncurrent loans | 19,050.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,855 |
| Noncurrent loans to loans | 0.0068% | 4,768 |
| Net loans and leases to total assets | 78.8226% | 1,011 |
| Net loans and leases to deposits | 95.7420% | 998 |
| Net loans and leases to core deposits | 102.7832% | 1,394 |
| Total domestic deposits to total assets | 82.3282% | 3,637 |
| Equity capital to assets | 17.2692% | 422 |
| Core capital (leverage) ratio | 16.8775% | 434 |
| Tier 1 risk-based capital ratio | 20.2996% | 1,284 |
| Total risk-based capital ratio | 21.5394% | 1,256 |
| Memoranda: | ||
| Average total assets | $215,500,000 | 2,757 |
| Average earning assets | $205,404,000 | 2,714 |
| Average equity | $37,878,000 | 2,021 |
| Average total loans | $175,827,000 | 2,414 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 782 |
| Cost of funding earning assets | 0.5652% | 2,954 |
| Net interest margin | 4.5754% | 640 |
| Noninterest income to average assets | 0.3542% | 3,732 |
| Noninterest expense to average assets | 2.8524% | 2,509 |
| Loan and lease loss provision to assets | 0.2711% | 623 |
| Net operating income to assets | 1.1942% | 2,200 |
| Return on assets (ROA) | 1.1942% | 2,198 |
| Pretax return on assets | 1.5929% | 1,491 |
| Return on Equity (ROE) | 6.8041% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.8041% | 1,751 |
| Net charge-offs to loans | 0.0884% | 1,893 |
| Credit loss provision to net charge-offs | 395.0704% | 832 |
| Earnings coverage of net charge-offs (x) | 27.1620% | 1,699 |
| Efficiency ratio | 59.3401% | 3,966 |
| Assets per employee ($millions) | 4.7600% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,356 |
| Loan loss allowance to noncurrent loans | 15,464.2857% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,881 |
| Noncurrent loans to loans | 0.0080% | 4,785 |
| Net loans and leases to total assets | 82.3929% | 603 |
| Net loans and leases to deposits | 100.7161% | 690 |
| Net loans and leases to core deposits | 108.2518% | 1,105 |
| Total domestic deposits to total assets | 81.8070% | 3,693 |
| Equity capital to assets | 17.9022% | 350 |
| Core capital (leverage) ratio | 17.1746% | 394 |
| Tier 1 risk-based capital ratio | 20.8165% | 1,178 |
| Total risk-based capital ratio | 22.0426% | 1,163 |
| Memoranda: | ||
| Average total assets | $206,916,200 | 2,796 |
| Average earning assets | $197,272,200 | 2,743 |
| Average equity | $36,316,200 | 2,016 |
| Average total loans | $160,550,200 | 2,521 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0211% | 905 |
| Cost of funding earning assets | 0.5363% | 2,956 |
| Net interest margin | 4.4848% | 764 |
| Noninterest income to average assets | 0.3561% | 3,749 |
| Noninterest expense to average assets | 2.6694% | 3,071 |
| Loan and lease loss provision to assets | 0.3102% | 463 |
| Net operating income to assets | 1.2384% | 2,092 |
| Return on assets (ROA) | 1.2384% | 2,092 |
| Pretax return on assets | 1.6520% | 1,409 |
| Return on Equity (ROE) | 7.0918% | 3,902 |
| Retained earnings to average equity (ytd only) | 7.0918% | 2,083 |
| Net charge-offs to loans | 0.1206% | 1,304 |
| Credit loss provision to net charge-offs | 338.0282% | 930 |
| Earnings coverage of net charge-offs (x) | 21.3801% | 1,923 |
| Efficiency ratio | 56.4332% | 4,324 |
| Assets per employee ($millions) | 5.6905% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,379 |
| Loan loss allowance to noncurrent loans | 14,885.7143% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,992 |
| Noncurrent loans to loans | 0.0084% | 4,897 |
| Net loans and leases to total assets | 76.3280% | 1,614 |
| Net loans and leases to deposits | 92.3352% | 1,579 |
| Net loans and leases to core deposits | 106.9835% | 1,231 |
| Total domestic deposits to total assets | 82.6641% | 3,412 |
| Equity capital to assets | 17.0561% | 418 |
| Core capital (leverage) ratio | 16.6051% | 451 |
| Tier 1 risk-based capital ratio | 20.8341% | 1,206 |
| Total risk-based capital ratio | 22.0341% | 1,185 |
| Memoranda: | ||
| Average total assets | $206,285,750 | 2,826 |
| Average earning assets | $196,660,250 | 2,769 |
| Average equity | $36,021,750 | 2,034 |
| Average total loans | $157,006,000 | 2,573 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 984 |
| Cost of funding earning assets | 0.5036% | 2,985 |
| Net interest margin | 4.4110% | 831 |
| Noninterest income to average assets | 0.3656% | 3,711 |
| Noninterest expense to average assets | 2.6241% | 3,246 |
| Loan and lease loss provision to assets | 0.0601% | 2,700 |
| Net operating income to assets | 1.4249% | 1,353 |
| Return on assets (ROA) | 1.4249% | 1,355 |
| Pretax return on assets | 1.9018% | 767 |
| Return on Equity (ROE) | 8.0929% | 3,460 |
| Retained earnings to average equity (ytd only) | 8.0929% | 1,588 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8874% | 4,488 |
| Assets per employee ($millions) | 6.0214% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,073 |
| Loan loss allowance to noncurrent loans | 1,143.6709% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 4,645 |
| Noncurrent loans to loans | 0.0991% | 4,463 |
| Net loans and leases to total assets | 72.7129% | 2,167 |
| Net loans and leases to deposits | 87.7460% | 2,140 |
| Net loans and leases to core deposits | 92.6087% | 2,344 |
| Total domestic deposits to total assets | 82.8675% | 3,447 |
| Equity capital to assets | 16.8096% | 418 |
| Core capital (leverage) ratio | 17.1264% | 382 |
| Tier 1 risk-based capital ratio | 21.0456% | 1,166 |
| Total risk-based capital ratio | 22.1110% | 1,171 |
| Memoranda: | ||
| Average total assets | $202,968,000 | 2,874 |
| Average earning assets | $194,198,000 | 2,810 |
| Average equity | $35,735,000 | 2,050 |
| Average total loans | $153,629,670 | 2,631 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 902 |
| Cost of funding earning assets | 0.4557% | 3,164 |
| Net interest margin | 4.4268% | 726 |
| Noninterest income to average assets | 0.3264% | 3,971 |
| Noninterest expense to average assets | 2.7827% | 2,763 |
| Loan and lease loss provision to assets | 0.0816% | 2,160 |
| Net operating income to assets | 1.2792% | 1,715 |
| Return on assets (ROA) | 1.2792% | 1,720 |
| Pretax return on assets | 1.7035% | 1,106 |
| Return on Equity (ROE) | 7.0880% | 3,757 |
| Retained earnings to average equity (ytd only) | 7.0880% | 2,244 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4908% | 4,130 |
| Assets per employee ($millions) | 5.5283% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,105 |
| Loan loss allowance to noncurrent loans | 9,922.2222% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 5,084 |
| Noncurrent loans to loans | 0.0116% | 4,958 |
| Net loans and leases to total assets | 77.2875% | 1,344 |
| Net loans and leases to deposits | 94.7120% | 1,165 |
| Net loans and leases to core deposits | 111.5118% | 914 |
| Total domestic deposits to total assets | 81.6027% | 4,066 |
| Equity capital to assets | 17.9034% | 323 |
| Core capital (leverage) ratio | 17.9313% | 313 |
| Tier 1 risk-based capital ratio | 21.2507% | 1,164 |
| Total risk-based capital ratio | 22.3396% | 1,162 |
| Memoranda: | ||
| Average total assets | $196,067,500 | 2,966 |
| Average earning assets | $187,854,500 | 2,910 |
| Average equity | $35,383,500 | 2,082 |
| Average total loans | $150,731,500 | 2,677 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 691 |
| Cost of funding earning assets | 0.4145% | 3,104 |
| Net interest margin | 4.5501% | 552 |
| Noninterest income to average assets | 0.3523% | 3,950 |
| Noninterest expense to average assets | 2.7436% | 2,983 |
| Loan and lease loss provision to assets | 0.2142% | 925 |
| Net operating income to assets | 0.9751% | 2,347 |
| Return on assets (ROA) | 0.9751% | 2,390 |
| Pretax return on assets | 1.7580% | 880 |
| Return on Equity (ROE) | 5.7936% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.7936% | 1,659 |
| Net charge-offs to loans | -0.0827% | 5,327 |
| Credit loss provision to net charge-offs | -343.3628% | 4,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4337% | 4,720 |
| Assets per employee ($millions) | 5.5176% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,804 |
| Loan loss allowance to noncurrent loans | 8,730.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,116 |
| Noncurrent loans to loans | 0.0137% | 4,973 |
| Net loans and leases to total assets | 74.6257% | 1,819 |
| Net loans and leases to deposits | 91.7387% | 1,562 |
| Net loans and leases to core deposits | 104.6480% | 1,367 |
| Total domestic deposits to total assets | 81.3460% | 4,039 |
| Equity capital to assets | 18.1942% | 296 |
| Core capital (leverage) ratio | 18.0587% | 287 |
| Tier 1 risk-based capital ratio | 22.7797% | 936 |
| Total risk-based capital ratio | 23.9390% | 925 |
| Memoranda: | ||
| Average total assets | $181,110,200 | 3,100 |
| Average earning assets | $173,690,000 | 3,030 |
| Average equity | $30,482,000 | 2,323 |
| Average total loans | $136,584,400 | 2,831 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 570 |
| Cost of funding earning assets | 0.4058% | 3,127 |
| Net interest margin | 4.6283% | 465 |
| Noninterest income to average assets | 0.3556% | 3,992 |
| Noninterest expense to average assets | 2.7593% | 2,864 |
| Loan and lease loss provision to assets | 0.1894% | 1,031 |
| Net operating income to assets | 1.1528% | 1,870 |
| Return on assets (ROA) | 1.1528% | 1,917 |
| Pretax return on assets | 1.8385% | 805 |
| Return on Equity (ROE) | 7.0034% | 3,658 |
| Retained earnings to average equity (ytd only) | 7.0034% | 1,685 |
| Net charge-offs to loans | 0.0030% | 3,640 |
| Credit loss provision to net charge-offs | 8,433.3333% | 58 |
| Earnings coverage of net charge-offs (x) | 902.9775% | 110 |
| Efficiency ratio | 55.8092% | 4,768 |
| Assets per employee ($millions) | 5.1881% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 3,716 |
| Loan loss allowance to noncurrent loans | 206.7773% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 3,474 |
| Noncurrent loans to loans | 0.5141% | 3,163 |
| Net loans and leases to total assets | 74.5041% | 1,835 |
| Net loans and leases to deposits | 92.2367% | 1,538 |
| Net loans and leases to core deposits | 108.1397% | 1,128 |
| Total domestic deposits to total assets | 80.7749% | 4,111 |
| Equity capital to assets | 18.7524% | 281 |
| Core capital (leverage) ratio | 18.6731% | 267 |
| Tier 1 risk-based capital ratio | 23.9350% | 856 |
| Total risk-based capital ratio | 24.9854% | 858 |
| Memoranda: | ||
| Average total assets | $178,108,500 | 3,167 |
| Average earning assets | $170,540,750 | 3,094 |
| Average equity | $29,318,500 | 2,424 |
| Average total loans | $134,265,250 | 2,875 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 438 |
| Cost of funding earning assets | 0.4014% | 3,060 |
| Net interest margin | 4.7414% | 362 |
| Noninterest income to average assets | 0.3595% | 3,987 |
| Noninterest expense to average assets | 2.6629% | 3,226 |
| Loan and lease loss provision to assets | 0.0947% | 2,092 |
| Net operating income to assets | 1.3400% | 1,195 |
| Return on assets (ROA) | 1.3400% | 1,220 |
| Pretax return on assets | 2.1322% | 416 |
| Return on Equity (ROE) | 8.5641% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.5641% | 980 |
| Net charge-offs to loans | 0.0045% | 3,325 |
| Credit loss provision to net charge-offs | 2,766.6667% | 156 |
| Earnings coverage of net charge-offs (x) | 650.3333% | 120 |
| Efficiency ratio | 52.4977% | 5,136 |
| Assets per employee ($millions) | 5.2420% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 4,090 |
| Loan loss allowance to noncurrent loans | 181.2585% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 3,514 |
| Noncurrent loans to loans | 0.5566% | 3,070 |
| Net loans and leases to total assets | 70.8575% | 2,398 |
| Net loans and leases to deposits | 87.9980% | 1,983 |
| Net loans and leases to core deposits | 99.7108% | 1,668 |
| Total domestic deposits to total assets | 80.5217% | 4,306 |
| Equity capital to assets | 18.8989% | 266 |
| Core capital (leverage) ratio | 18.7476% | 254 |
| Tier 1 risk-based capital ratio | 24.5933% | 799 |
| Total risk-based capital ratio | 25.5607% | 800 |
| Memoranda: | ||
| Average total assets | $175,221,000 | 3,223 |
| Average earning assets | $167,419,330 | 3,143 |
| Average equity | $27,416,670 | 2,542 |
| Average total loans | $132,138,000 | 2,909 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8957% | 639 |
| Cost of funding earning assets | 0.3979% | 3,010 |
| Net interest margin | 4.4978% | 526 |
| Noninterest income to average assets | 0.3670% | 3,908 |
| Noninterest expense to average assets | 2.6418% | 3,337 |
| Loan and lease loss provision to assets | 0.0117% | 3,415 |
| Net operating income to assets | 1.2531% | 1,369 |
| Return on assets (ROA) | 1.2531% | 1,402 |
| Pretax return on assets | 1.9942% | 511 |
| Return on Equity (ROE) | 9.0129% | 2,415 |
| Retained earnings to average equity (ytd only) | 9.0129% | 1,076 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6278% | 5,078 |
| Assets per employee ($millions) | 5.7601% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 4,521 |
| Loan loss allowance to noncurrent loans | 197.7848% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 3,823 |
| Noncurrent loans to loans | 0.4831% | 3,355 |
| Net loans and leases to total assets | 70.3018% | 2,323 |
| Net loans and leases to deposits | 84.8262% | 2,181 |
| Net loans and leases to core deposits | 91.4798% | 2,218 |
| Total domestic deposits to total assets | 82.8774% | 3,891 |
| Equity capital to assets | 16.6506% | 417 |
| Core capital (leverage) ratio | 18.0056% | 287 |
| Tier 1 risk-based capital ratio | 21.5906% | 1,136 |
| Total risk-based capital ratio | 22.4985% | 1,169 |
| Memoranda: | ||
| Average total assets | $171,096,000 | 3,300 |
| Average earning assets | $162,836,000 | 3,233 |
| Average equity | $23,788,000 | 2,807 |
| Average total loans | $132,543,000 | 2,926 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 433 |
| Cost of funding earning assets | 0.4277% | 2,728 |
| Net interest margin | 4.7455% | 390 |
| Noninterest income to average assets | 0.3925% | 3,949 |
| Noninterest expense to average assets | 3.0056% | 2,334 |
| Loan and lease loss provision to assets | 0.4970% | 281 |
| Net operating income to assets | 0.8763% | 2,950 |
| Return on assets (ROA) | 0.8763% | 3,060 |
| Pretax return on assets | 1.3990% | 1,943 |
| Return on Equity (ROE) | 8.1456% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.1456% | 803 |
| Net charge-offs to loans | 0.0316% | 3,388 |
| Credit loss provision to net charge-offs | 1,928.2051% | 232 |
| Earnings coverage of net charge-offs (x) | 73.5641% | 761 |
| Efficiency ratio | 58.6086% | 4,774 |
| Assets per employee ($millions) | 4.9334% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,665 |
| Loan loss allowance to noncurrent loans | 199.8395% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 3,690 |
| Noncurrent loans to loans | 0.4640% | 3,493 |
| Net loans and leases to total assets | 84.2527% | 363 |
| Net loans and leases to deposits | 94.7884% | 1,113 |
| Net loans and leases to core deposits | 102.0117% | 1,446 |
| Total domestic deposits to total assets | 88.8850% | 1,164 |
| Equity capital to assets | 10.6956% | 2,931 |
| Core capital (leverage) ratio | 10.3374% | 3,062 |
| Tier 1 risk-based capital ratio | 11.8048% | 4,857 |
| Total risk-based capital ratio | 12.7268% | 4,971 |
| Memoranda: | ||
| Average total assets | $151,318,800 | 3,504 |
| Average earning assets | $143,778,400 | 3,450 |
| Average equity | $16,278,800 | 3,655 |
| Average total loans | $123,493,400 | 3,019 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 463 |
| Cost of funding earning assets | 0.4226% | 2,812 |
| Net interest margin | 4.7170% | 422 |
| Noninterest income to average assets | 0.3928% | 3,971 |
| Noninterest expense to average assets | 2.8754% | 2,719 |
| Loan and lease loss provision to assets | 0.4489% | 294 |
| Net operating income to assets | 0.9736% | 2,553 |
| Return on assets (ROA) | 0.9736% | 2,682 |
| Pretax return on assets | 1.5526% | 1,527 |
| Return on Equity (ROE) | 9.0363% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.0363% | 802 |
| Net charge-offs to loans | 0.0430% | 2,781 |
| Credit loss provision to net charge-offs | 1,292.3077% | 327 |
| Earnings coverage of net charge-offs (x) | 57.6140% | 986 |
| Efficiency ratio | 56.0913% | 5,057 |
| Assets per employee ($millions) | 5.1427% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 5,197 |
| Loan loss allowance to noncurrent loans | 155.7813% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 3,768 |
| Noncurrent loans to loans | 0.5116% | 3,463 |
| Net loans and leases to total assets | 80.4362% | 826 |
| Net loans and leases to deposits | 90.4715% | 1,696 |
| Net loans and leases to core deposits | 97.4510% | 1,866 |
| Total domestic deposits to total assets | 88.9078% | 953 |
| Equity capital to assets | 10.7992% | 3,244 |
| Core capital (leverage) ratio | 10.3910% | 3,118 |
| Tier 1 risk-based capital ratio | 12.2516% | 4,645 |
| Total risk-based capital ratio | 13.0301% | 4,829 |
| Memoranda: | ||
| Average total assets | $149,681,500 | 3,546 |
| Average earning assets | $142,290,000 | 3,485 |
| Average equity | $16,127,250 | 3,705 |
| Average total loans | $120,803,500 | 3,059 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1827% | 435 |
| Cost of funding earning assets | 0.4083% | 2,953 |
| Net interest margin | 4.7744% | 390 |
| Noninterest income to average assets | 0.3888% | 3,964 |
| Noninterest expense to average assets | 2.8930% | 2,699 |
| Loan and lease loss provision to assets | 0.4509% | 316 |
| Net operating income to assets | 0.9868% | 2,443 |
| Return on assets (ROA) | 0.9868% | 2,588 |
| Pretax return on assets | 1.5754% | 1,435 |
| Return on Equity (ROE) | 9.1665% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.1665% | 805 |
| Net charge-offs to loans | -0.0017% | 4,355 |
| Credit loss provision to net charge-offs | -33,400.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7080% | 5,171 |
| Assets per employee ($millions) | 4.4905% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7008% | 5,516 |
| Loan loss allowance to noncurrent loans | 131.9635% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 3,733 |
| Noncurrent loans to loans | 0.5311% | 3,487 |
| Net loans and leases to total assets | 82.8958% | 527 |
| Net loans and leases to deposits | 93.3946% | 1,357 |
| Net loans and leases to core deposits | 100.4917% | 1,597 |
| Total domestic deposits to total assets | 88.7587% | 1,037 |
| Equity capital to assets | 10.9950% | 3,065 |
| Core capital (leverage) ratio | 10.3144% | 3,173 |
| Tier 1 risk-based capital ratio | 12.1951% | 4,704 |
| Total risk-based capital ratio | 12.8831% | 4,970 |
| Memoranda: | ||
| Average total assets | $148,148,670 | 3,586 |
| Average earning assets | $140,584,330 | 3,530 |
| Average equity | $15,949,330 | 3,743 |
| Average total loans | $119,373,330 | 3,088 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 400 |
| Cost of funding earning assets | 0.3675% | 3,421 |
| Net interest margin | 4.8515% | 332 |
| Noninterest income to average assets | 0.3753% | 4,035 |
| Noninterest expense to average assets | 2.9461% | 2,551 |
| Loan and lease loss provision to assets | 0.0648% | 2,663 |
| Net operating income to assets | 1.2314% | 1,445 |
| Return on assets (ROA) | 1.2314% | 1,555 |
| Pretax return on assets | 1.9631% | 611 |
| Return on Equity (ROE) | 11.5608% | 1,438 |
| Retained earnings to average equity (ytd only) | 11.5608% | 566 |
| Net charge-offs to loans | -0.0034% | 4,199 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0261% | 5,187 |
| Assets per employee ($millions) | 5.0461% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4789% | 5,880 |
| Loan loss allowance to noncurrent loans | 82.6409% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 3,806 |
| Noncurrent loans to loans | 0.5795% | 3,453 |
| Net loans and leases to total assets | 76.4557% | 1,323 |
| Net loans and leases to deposits | 85.8931% | 2,069 |
| Net loans and leases to core deposits | 91.6376% | 2,221 |
| Total domestic deposits to total assets | 89.0126% | 1,092 |
| Equity capital to assets | 10.5778% | 3,393 |
| Core capital (leverage) ratio | 10.6465% | 2,797 |
| Tier 1 risk-based capital ratio | 12.2206% | 4,769 |
| Total risk-based capital ratio | 12.6725% | 5,176 |
| Memoranda: | ||
| Average total assets | $148,130,000 | 3,608 |
| Average earning assets | $140,409,500 | 3,554 |
| Average equity | $15,777,500 | 3,765 |
| Average total loans | $117,206,500 | 3,128 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9574% | 5,763 |
| Cost of funding earning assets | 0.1923% | 5,348 |
| Net interest margin | 2.7651% | 5,576 |
| Noninterest income to average assets | 0.2173% | 5,290 |
| Noninterest expense to average assets | 1.6862% | 5,855 |
| Loan and lease loss provision to assets | 0.3390% | 455 |
| Net operating income to assets | 0.5175% | 4,627 |
| Return on assets (ROA) | 0.5175% | 4,712 |
| Pretax return on assets | 0.8221% | 4,120 |
| Return on Equity (ROE) | 3.3382% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.3382% | 3,678 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1325% | 5,333 |
| Assets per employee ($millions) | 4.8292% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4504% | 5,954 |
| Loan loss allowance to noncurrent loans | 60.5233% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 3,254 |
| Noncurrent loans to loans | 0.7442% | 2,947 |
| Net loans and leases to total assets | 81.1606% | 686 |
| Net loans and leases to deposits | 91.3756% | 1,465 |
| Net loans and leases to core deposits | 97.5744% | 1,710 |
| Total domestic deposits to total assets | 88.8209% | 1,216 |
| Equity capital to assets | 10.7277% | 3,100 |
| Core capital (leverage) ratio | 10.0363% | 3,463 |
| Tier 1 risk-based capital ratio | 12.0530% | 4,915 |
| Total risk-based capital ratio | 12.4927% | 5,299 |
| Memoranda: | ||
| Average total assets | $156,920,000 | 3,473 |
| Average earning assets | $149,252,400 | 3,416 |
| Average equity | $24,324,200 | 2,754 |
| Average total loans | $113,635,600 | 3,143 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2686% | 6,153 |
| Cost of funding earning assets | 0.1410% | 5,841 |
| Net interest margin | 2.1277% | 6,092 |
| Noninterest income to average assets | 0.1651% | 5,654 |
| Noninterest expense to average assets | 1.2388% | 6,164 |
| Loan and lease loss provision to assets | 0.3426% | 393 |
| Net operating income to assets | 0.3835% | 5,219 |
| Return on assets (ROA) | 0.3835% | 5,301 |
| Pretax return on assets | 0.6094% | 4,954 |
| Return on Equity (ROE) | 2.3127% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.3127% | 4,730 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5388% | 5,551 |
| Assets per employee ($millions) | 5.3341% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3668% | 6,106 |
| Loan loss allowance to noncurrent loans | 46.7577% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 3,516 |
| Noncurrent loans to loans | 0.7845% | 3,002 |
| Net loans and leases to total assets | 74.7442% | 1,596 |
| Net loans and leases to deposits | 83.7868% | 2,430 |
| Net loans and leases to core deposits | 87.2067% | 2,737 |
| Total domestic deposits to total assets | 89.2077% | 914 |
| Equity capital to assets | 10.1737% | 3,968 |
| Core capital (leverage) ratio | 9.6779% | 4,057 |
| Tier 1 risk-based capital ratio | 11.8656% | 5,158 |
| Total risk-based capital ratio | 12.2089% | 5,586 |
| Memoranda: | ||
| Average total assets | $159,930,750 | 3,459 |
| Average earning assets | $152,275,250 | 3,391 |
| Average equity | $26,519,750 | 2,608 |
| Average total loans | $112,515,750 | 3,192 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0083% | 6,318 |
| Cost of funding earning assets | 0.0550% | 6,261 |
| Net interest margin | 0.9533% | 6,314 |
| Noninterest income to average assets | 0.0685% | 6,116 |
| Noninterest expense to average assets | 0.4295% | 6,330 |
| Loan and lease loss provision to assets | 0.2117% | 916 |
| Net operating income to assets | 0.2129% | 5,664 |
| Return on assets (ROA) | 0.2129% | 5,733 |
| Pretax return on assets | 0.3389% | 5,592 |
| Return on Equity (ROE) | 1.1487% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.1487% | 5,109 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8202% | 6,118 |
| Assets per employee ($millions) | 5.5191% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1558% | 6,259 |
| Loan loss allowance to noncurrent loans | 25.4412% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 4,109 |
| Noncurrent loans to loans | 0.6126% | 3,633 |
| Net loans and leases to total assets | 74.3777% | 1,599 |
| Net loans and leases to deposits | 83.4223% | 2,388 |
| Net loans and leases to core deposits | 86.8544% | 2,668 |
| Total domestic deposits to total assets | 89.1581% | 1,065 |
| Equity capital to assets | 10.0097% | 4,027 |
| Core capital (leverage) ratio | 8.9244% | 5,060 |
| Tier 1 risk-based capital ratio | 11.3067% | 5,577 |
| Total risk-based capital ratio | 11.4517% | 5,969 |
| Memoranda: | ||
| Average total assets | $163,455,670 | 3,442 |
| Average earning assets | $156,306,000 | 3,356 |
| Average equity | $30,294,670 | 2,319 |
| Average total loans | $112,672,330 | 3,196 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0764% | 2,929 |
| Cost of funding earning assets | 0.3020% | 4,420 |
| Net interest margin | 3.7744% | 2,329 |
| Noninterest income to average assets | 0.3281% | 4,568 |
| Noninterest expense to average assets | 2.7022% | 3,581 |
| Loan and lease loss provision to assets | 0.0586% | 2,762 |
| Net operating income to assets | 0.7804% | 3,360 |
| Return on assets (ROA) | 0.7804% | 3,492 |
| Pretax return on assets | 1.1999% | 2,665 |
| Return on Equity (ROE) | 3.5067% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.5067% | 3,894 |
| Net charge-offs to loans | 0.0211% | 2,722 |
| Credit loss provision to net charge-offs | 416.6667% | 632 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 532 |
| Efficiency ratio | 68.2249% | 3,788 |
| Assets per employee ($millions) | 6.2447% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,824 |
| Loan loss allowance to noncurrent loans | 152.7599% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 4,182 |
| Noncurrent loans to loans | 0.6806% | 3,576 |
| Net loans and leases to total assets | 67.1755% | 2,584 |
| Net loans and leases to deposits | 87.2938% | 1,699 |
| Net loans and leases to core deposits | 90.7424% | 2,060 |
| Total domestic deposits to total assets | 76.9534% | 5,620 |
| Equity capital to assets | 22.6172% | 138 |
| Core capital (leverage) ratio | 21.7960% | 139 |
| Tier 1 risk-based capital ratio | 30.0840% | 534 |
| Total risk-based capital ratio | 31.0311% | 543 |
| Memoranda: | ||
| Average total assets | $170,676,000 | 3,352 |
| Average earning assets | $164,263,500 | 3,263 |
| Average equity | $37,984,000 | 1,927 |
| Average total loans | $113,505,000 | 3,208 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,738 |
| Cost of funding earning assets | 0.3413% | 4,350 |
| Net interest margin | 3.9190% | 2,160 |
| Noninterest income to average assets | 0.3515% | 4,594 |
| Noninterest expense to average assets | 2.7872% | 3,531 |
| Loan and lease loss provision to assets | 0.2449% | 942 |
| Net operating income to assets | 0.6768% | 4,003 |
| Return on assets (ROA) | 1.3016% | 1,353 |
| Pretax return on assets | 2.0133% | 497 |
| Return on Equity (ROE) | 5.9644% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.9581% | 4,142 |
| Net charge-offs to loans | 0.4547% | 924 |
| Credit loss provision to net charge-offs | 85.8316% | 2,743 |
| Earnings coverage of net charge-offs (x) | 4.5462% | 3,627 |
| Efficiency ratio | 68.2444% | 3,855 |
| Assets per employee ($millions) | 6.9099% | 884 |
| Cash dividends to net income (ytd only)* | 50.4050% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 4,848 |
| Loan loss allowance to noncurrent loans | 146.8672% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 4,270 |
| Noncurrent loans to loans | 0.7090% | 3,550 |
| Net loans and leases to total assets | 64.4793% | 3,147 |
| Net loans and leases to deposits | 83.0049% | 2,337 |
| Net loans and leases to core deposits | 86.1667% | 2,668 |
| Total domestic deposits to total assets | 77.6812% | 5,489 |
| Equity capital to assets | 21.9020% | 155 |
| Core capital (leverage) ratio | 22.5006% | 130 |
| Tier 1 risk-based capital ratio | 30.0455% | 509 |
| Total risk-based capital ratio | 30.9853% | 516 |
| Memoranda: | ||
| Average total assets | $170,711,000 | 3,328 |
| Average earning assets | $162,592,600 | 3,245 |
| Average equity | $37,254,200 | 1,888 |
| Average total loans | $107,095,400 | 3,288 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,858 |
| Cost of funding earning assets | 0.3538% | 4,305 |
| Net interest margin | 3.8825% | 2,315 |
| Noninterest income to average assets | 0.3611% | 4,545 |
| Noninterest expense to average assets | 2.8146% | 3,405 |
| Loan and lease loss provision to assets | 0.2742% | 756 |
| Net operating income to assets | 0.6301% | 4,305 |
| Return on assets (ROA) | 1.5276% | 924 |
| Pretax return on assets | 2.3712% | 272 |
| Return on Equity (ROE) | 7.0062% | 3,708 |
| Retained earnings to average equity (ytd only) | 2.9821% | 4,481 |
| Net charge-offs to loans | 0.6129% | 594 |
| Credit loss provision to net charge-offs | 72.0165% | 2,731 |
| Earnings coverage of net charge-offs (x) | 3.2655% | 3,698 |
| Efficiency ratio | 69.3629% | 3,617 |
| Assets per employee ($millions) | 6.7007% | 915 |
| Cash dividends to net income (ytd only)* | 57.4359% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 5,421 |
| Loan loss allowance to noncurrent loans | 111.3911% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 3,354 |
| Noncurrent loans to loans | 0.8546% | 3,430 |
| Net loans and leases to total assets | 68.6356% | 2,445 |
| Net loans and leases to deposits | 89.0887% | 1,540 |
| Net loans and leases to core deposits | 94.9164% | 1,769 |
| Total domestic deposits to total assets | 77.0419% | 5,671 |
| Equity capital to assets | 22.4018% | 147 |
| Core capital (leverage) ratio | 21.9538% | 143 |
| Tier 1 risk-based capital ratio | 29.3605% | 558 |
| Total risk-based capital ratio | 30.2327% | 571 |
| Memoranda: | ||
| Average total assets | $170,202,000 | 3,361 |
| Average earning assets | $162,057,750 | 3,282 |
| Average equity | $37,109,000 | 1,901 |
| Average total loans | $105,729,750 | 3,341 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 3,225 |
| Cost of funding earning assets | 0.3624% | 4,289 |
| Net interest margin | 3.7686% | 2,675 |
| Noninterest income to average assets | 0.3437% | 4,669 |
| Noninterest expense to average assets | 2.8218% | 3,419 |
| Loan and lease loss provision to assets | 0.3425% | 526 |
| Net operating income to assets | 0.4867% | 4,858 |
| Return on assets (ROA) | 1.8259% | 482 |
| Pretax return on assets | 2.8452% | 136 |
| Return on Equity (ROE) | 8.4502% | 2,863 |
| Retained earnings to average equity (ytd only) | 2.3911% | 4,684 |
| Net charge-offs to loans | 0.9503% | 379 |
| Credit loss provision to net charge-offs | 60.2881% | 2,633 |
| Earnings coverage of net charge-offs (x) | 1.9280% | 3,685 |
| Efficiency ratio | 72.0382% | 3,332 |
| Assets per employee ($millions) | 6.8115% | 868 |
| Cash dividends to net income (ytd only)* | 71.7029% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 5,445 |
| Loan loss allowance to noncurrent loans | 103.8652% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 3,107 |
| Noncurrent loans to loans | 0.9412% | 3,363 |
| Net loans and leases to total assets | 62.3400% | 3,350 |
| Net loans and leases to deposits | 80.2299% | 2,488 |
| Net loans and leases to core deposits | 85.3599% | 2,574 |
| Total domestic deposits to total assets | 77.7018% | 5,688 |
| Equity capital to assets | 21.8273% | 153 |
| Core capital (leverage) ratio | 21.4232% | 146 |
| Tier 1 risk-based capital ratio | 30.0583% | 518 |
| Total risk-based capital ratio | 30.9241% | 529 |
| Memoranda: | ||
| Average total assets | $171,096,670 | 3,373 |
| Average earning assets | $162,237,000 | 3,294 |
| Average equity | $36,969,670 | 1,900 |
| Average total loans | $102,279,000 | 3,411 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,417 |
| Cost of funding earning assets | 0.3773% | 4,228 |
| Net interest margin | 3.6887% | 2,911 |
| Noninterest income to average assets | 0.3265% | 4,757 |
| Noninterest expense to average assets | 2.7755% | 3,654 |
| Loan and lease loss provision to assets | -0.0140% | 6,411 |
| Net operating income to assets | 0.7090% | 3,638 |
| Return on assets (ROA) | 0.7090% | 3,719 |
| Pretax return on assets | 1.0542% | 3,118 |
| Return on Equity (ROE) | 3.2981% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.2981% | 4,144 |
| Net charge-offs to loans | 0.0040% | 3,591 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 97 |
| Efficiency ratio | 72.7384% | 3,353 |
| Assets per employee ($millions) | 6.4858% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 4,452 |
| Loan loss allowance to noncurrent loans | 61.1497% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.3562% | 2,602 |
| Noncurrent loans to loans | 2.0203% | 1,847 |
| Net loans and leases to total assets | 58.5014% | 3,763 |
| Net loans and leases to deposits | 75.3092% | 2,901 |
| Net loans and leases to core deposits | 81.1236% | 2,839 |
| Total domestic deposits to total assets | 77.6816% | 5,872 |
| Equity capital to assets | 21.9371% | 147 |
| Core capital (leverage) ratio | 21.0768% | 158 |
| Tier 1 risk-based capital ratio | 31.4234% | 470 |
| Total risk-based capital ratio | 32.4958% | 470 |
| Memoranda: | ||
| Average total assets | $171,501,500 | 3,385 |
| Average earning assets | $162,226,000 | 3,320 |
| Average equity | $36,870,000 | 1,899 |
| Average total loans | $99,816,000 | 3,478 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 3,275 |
| Cost of funding earning assets | 0.4486% | 4,131 |
| Net interest margin | 3.7704% | 2,760 |
| Noninterest income to average assets | 0.4873% | 3,838 |
| Noninterest expense to average assets | 3.5271% | 1,599 |
| Loan and lease loss provision to assets | -0.0358% | 6,344 |
| Net operating income to assets | 0.3939% | 5,170 |
| Return on assets (ROA) | 0.3939% | 5,277 |
| Pretax return on assets | 0.5392% | 5,074 |
| Return on Equity (ROE) | 1.8635% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.8635% | 4,910 |
| Net charge-offs to loans | 0.0020% | 5,442 |
| Credit loss provision to net charge-offs | -3,100.0000% | 6,350 |
| Earnings coverage of net charge-offs (x) | 436.5000% | 94 |
| Efficiency ratio | 87.5089% | 1,270 |
| Assets per employee ($millions) | 6.0128% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 4,421 |
| Loan loss allowance to noncurrent loans | 58.6484% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 2,695 |
| Noncurrent loans to loans | 2.1214% | 1,855 |
| Net loans and leases to total assets | 56.4916% | 4,250 |
| Net loans and leases to deposits | 71.9997% | 3,521 |
| Net loans and leases to core deposits | 77.9096% | 3,376 |
| Total domestic deposits to total assets | 78.4609% | 5,747 |
| Equity capital to assets | 21.0740% | 165 |
| Core capital (leverage) ratio | 21.0312% | 158 |
| Tier 1 risk-based capital ratio | 30.8605% | 472 |
| Total risk-based capital ratio | 31.9278% | 473 |
| Memoranda: | ||
| Average total assets | $173,399,000 | 3,356 |
| Average earning assets | $162,955,200 | 3,305 |
| Average equity | $36,652,400 | 1,887 |
| Average total loans | $98,942,200 | 3,469 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 3,111 |
| Cost of funding earning assets | 0.4584% | 4,184 |
| Net interest margin | 3.8120% | 2,600 |
| Noninterest income to average assets | 0.5020% | 3,790 |
| Noninterest expense to average assets | 3.2609% | 2,174 |
| Loan and lease loss provision to assets | 0.1617% | 2,235 |
| Net operating income to assets | 0.4697% | 4,934 |
| Return on assets (ROA) | 0.4697% | 5,082 |
| Pretax return on assets | 0.6591% | 4,827 |
| Return on Equity (ROE) | 2.2204% | 5,873 |
| Retained earnings to average equity (ytd only) | 2.2204% | 4,992 |
| Net charge-offs to loans | 0.0027% | 5,159 |
| Credit loss provision to net charge-offs | 10,500.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 532.3221% | 110 |
| Efficiency ratio | 79.8906% | 2,114 |
| Assets per employee ($millions) | 5.6904% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 2,927 |
| Loan loss allowance to noncurrent loans | 221.8475% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 4,785 |
| Noncurrent loans to loans | 0.7290% | 4,396 |
| Net loans and leases to total assets | 53.9186% | 4,625 |
| Net loans and leases to deposits | 69.1298% | 3,918 |
| Net loans and leases to core deposits | 75.1965% | 3,712 |
| Total domestic deposits to total assets | 77.9961% | 5,905 |
| Equity capital to assets | 21.5417% | 157 |
| Core capital (leverage) ratio | 21.0940% | 157 |
| Tier 1 risk-based capital ratio | 32.4274% | 426 |
| Total risk-based capital ratio | 33.6794% | 418 |
| Memoranda: | ||
| Average total assets | $173,156,000 | 3,386 |
| Average earning assets | $162,603,750 | 3,334 |
| Average equity | $36,628,750 | 1,905 |
| Average total loans | $98,741,250 | 3,509 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 2,777 |
| Cost of funding earning assets | 0.4676% | 4,234 |
| Net interest margin | 3.8763% | 2,285 |
| Noninterest income to average assets | 0.3702% | 4,746 |
| Noninterest expense to average assets | 3.3477% | 1,943 |
| Loan and lease loss provision to assets | -0.1989% | 6,783 |
| Net operating income to assets | 0.5990% | 4,285 |
| Return on assets (ROA) | 0.5990% | 4,471 |
| Pretax return on assets | 0.8622% | 4,056 |
| Return on Equity (ROE) | 2.8485% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.8485% | 4,497 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4623% | 1,700 |
| Assets per employee ($millions) | 5.8227% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 4,891 |
| Loan loss allowance to noncurrent loans | 401.4184% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 5,625 |
| Noncurrent loans to loans | 0.3035% | 5,547 |
| Net loans and leases to total assets | 54.3620% | 4,537 |
| Net loans and leases to deposits | 69.7571% | 3,748 |
| Net loans and leases to core deposits | 75.9475% | 3,549 |
| Total domestic deposits to total assets | 77.9304% | 5,991 |
| Equity capital to assets | 21.6301% | 149 |
| Core capital (leverage) ratio | 20.7311% | 155 |
| Tier 1 risk-based capital ratio | 32.5915% | 420 |
| Total risk-based capital ratio | 33.6215% | 418 |
| Memoranda: | ||
| Average total assets | $173,971,000 | 3,392 |
| Average earning assets | $163,402,670 | 3,341 |
| Average equity | $36,580,330 | 1,910 |
| Average total loans | $100,469,000 | 3,476 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 2,631 |
| Cost of funding earning assets | 0.4809% | 4,272 |
| Net interest margin | 3.8862% | 2,162 |
| Noninterest income to average assets | 0.2946% | 5,354 |
| Noninterest expense to average assets | 3.1836% | 2,407 |
| Loan and lease loss provision to assets | -0.2221% | 6,904 |
| Net operating income to assets | 0.6707% | 3,844 |
| Return on assets (ROA) | 0.6707% | 3,999 |
| Pretax return on assets | 0.9766% | 3,453 |
| Return on Equity (ROE) | 3.2342% | 5,473 |
| Retained earnings to average equity (ytd only) | 3.2342% | 4,310 |
| Net charge-offs to loans | 0.0038% | 4,088 |
| Credit loss provision to net charge-offs | -9,800.0000% | 5,930 |
| Earnings coverage of net charge-offs (x) | 333.0000% | 113 |
| Efficiency ratio | 80.8400% | 2,201 |
| Assets per employee ($millions) | 5.3058% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,199 |
| Loan loss allowance to noncurrent loans | 109.7361% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 4,514 |
| Noncurrent loans to loans | 1.0906% | 3,966 |
| Net loans and leases to total assets | 56.8655% | 3,951 |
| Net loans and leases to deposits | 72.2705% | 3,150 |
| Net loans and leases to core deposits | 78.3610% | 3,008 |
| Total domestic deposits to total assets | 78.6843% | 6,017 |
| Equity capital to assets | 20.9296% | 180 |
| Core capital (leverage) ratio | 20.3072% | 178 |
| Tier 1 risk-based capital ratio | 30.6257% | 506 |
| Total risk-based capital ratio | 31.6582% | 503 |
| Memoranda: | ||
| Average total assets | $176,528,000 | 3,395 |
| Average earning assets | $165,507,000 | 3,356 |
| Average equity | $36,608,500 | 1,932 |
| Average total loans | $104,240,500 | 3,412 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 3,891 |
| Cost of funding earning assets | 0.5314% | 4,987 |
| Net interest margin | 3.8498% | 3,027 |
| Noninterest income to average assets | 0.3836% | 4,725 |
| Noninterest expense to average assets | 3.4322% | 1,983 |
| Loan and lease loss provision to assets | -0.0587% | 6,879 |
| Net operating income to assets | 0.4097% | 5,059 |
| Return on assets (ROA) | 0.8408% | 3,345 |
| Pretax return on assets | 1.2419% | 2,632 |
| Return on Equity (ROE) | 4.0689% | 5,112 |
| Retained earnings to average equity (ytd only) | -5.2270% | 6,442 |
| Net charge-offs to loans | 0.0354% | 5,427 |
| Credit loss provision to net charge-offs | -297.2222% | 6,449 |
| Earnings coverage of net charge-offs (x) | 27.8056% | 1,056 |
| Efficiency ratio | 86.2026% | 1,411 |
| Assets per employee ($millions) | 5.9321% | 1,331 |
| Cash dividends to net income (ytd only)* | 228.4595% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 5,063 |
| Loan loss allowance to noncurrent loans | 138.5350% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 4,866 |
| Noncurrent loans to loans | 0.8746% | 4,430 |
| Net loans and leases to total assets | 59.7891% | 3,639 |
| Net loans and leases to deposits | 76.0385% | 2,804 |
| Net loans and leases to core deposits | 81.8617% | 2,790 |
| Total domestic deposits to total assets | 78.6299% | 5,968 |
| Equity capital to assets | 20.5497% | 204 |
| Core capital (leverage) ratio | 19.9640% | 195 |
| Tier 1 risk-based capital ratio | 28.8365% | 569 |
| Total risk-based capital ratio | 29.8944% | 570 |
| Memoranda: | ||
| Average total assets | $182,217,600 | 3,283 |
| Average earning assets | $170,293,400 | 3,223 |
| Average equity | $37,651,000 | 1,844 |
| Average total loans | $101,589,200 | 3,479 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 4,332 |
| Cost of funding earning assets | 0.5343% | 5,218 |
| Net interest margin | 3.7961% | 3,350 |
| Noninterest income to average assets | 0.3150% | 5,259 |
| Noninterest expense to average assets | 3.0488% | 3,064 |
| Loan and lease loss provision to assets | 0.1171% | 4,090 |
| Net operating income to assets | 0.4998% | 4,847 |
| Return on assets (ROA) | 0.4998% | 5,109 |
| Pretax return on assets | 0.6947% | 4,881 |
| Return on Equity (ROE) | 2.4155% | 5,914 |
| Retained earnings to average equity (ytd only) | -2.8585% | 6,470 |
| Net charge-offs to loans | 0.0466% | 5,001 |
| Credit loss provision to net charge-offs | 460.0000% | 581 |
| Earnings coverage of net charge-offs (x) | 31.8826% | 1,047 |
| Efficiency ratio | 78.9712% | 2,241 |
| Assets per employee ($millions) | 6.0704% | 1,211 |
| Cash dividends to net income (ytd only)* | 218.3399% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 4,248 |
| Loan loss allowance to noncurrent loans | 3,212.2449% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 6,120 |
| Noncurrent loans to loans | 0.0445% | 6,506 |
| Net loans and leases to total assets | 61.6921% | 3,446 |
| Net loans and leases to deposits | 79.1499% | 2,519 |
| Net loans and leases to core deposits | 83.3799% | 2,766 |
| Total domestic deposits to total assets | 77.9433% | 6,092 |
| Equity capital to assets | 21.5051% | 186 |
| Core capital (leverage) ratio | 20.6068% | 189 |
| Tier 1 risk-based capital ratio | 28.9590% | 588 |
| Total risk-based capital ratio | 30.1962% | 581 |
| Memoranda: | ||
| Average total assets | $183,281,000 | 3,294 |
| Average earning assets | $171,191,000 | 3,246 |
| Average equity | $37,921,000 | 1,852 |
| Average total loans | $100,059,500 | 3,556 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 4,802 |
| Cost of funding earning assets | 0.5388% | 5,375 |
| Net interest margin | 3.7023% | 3,806 |
| Noninterest income to average assets | 0.3070% | 5,355 |
| Noninterest expense to average assets | 3.0728% | 3,005 |
| Loan and lease loss provision to assets | 0.0625% | 4,868 |
| Net operating income to assets | 0.4545% | 5,018 |
| Return on assets (ROA) | 0.4545% | 5,255 |
| Pretax return on assets | 0.6204% | 5,068 |
| Return on Equity (ROE) | 2.2244% | 5,975 |
| Retained earnings to average equity (ytd only) | -5.6824% | 6,656 |
| Net charge-offs to loans | 0.0931% | 4,222 |
| Credit loss provision to net charge-offs | 128.8889% | 2,132 |
| Earnings coverage of net charge-offs (x) | 14.0889% | 1,736 |
| Efficiency ratio | 81.8182% | 1,905 |
| Assets per employee ($millions) | 6.5013% | 954 |
| Cash dividends to net income (ytd only)* | 355.4502% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 4,265 |
| Loan loss allowance to noncurrent loans | 2,922.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,208 |
| Noncurrent loans to loans | 0.0495% | 6,554 |
| Net loans and leases to total assets | 54.7098% | 4,673 |
| Net loans and leases to deposits | 69.6645% | 3,946 |
| Net loans and leases to core deposits | 73.2443% | 4,133 |
| Total domestic deposits to total assets | 78.5332% | 6,049 |
| Equity capital to assets | 20.6328% | 217 |
| Core capital (leverage) ratio | 19.9056% | 211 |
| Tier 1 risk-based capital ratio | 30.0649% | 515 |
| Total risk-based capital ratio | 31.2658% | 512 |
| Memoranda: | ||
| Average total assets | $185,694,000 | 3,266 |
| Average earning assets | $172,975,670 | 3,232 |
| Average equity | $37,942,000 | 1,840 |
| Average total loans | $96,686,670 | 3,652 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 5,070 |
| Cost of funding earning assets | 0.5395% | 5,557 |
| Net interest margin | 3.6709% | 3,959 |
| Noninterest income to average assets | 0.3029% | 5,453 |
| Noninterest expense to average assets | 2.9586% | 3,426 |
| Loan and lease loss provision to assets | 0.2261% | 2,686 |
| Net operating income to assets | 0.4010% | 5,252 |
| Return on assets (ROA) | 0.4010% | 5,438 |
| Pretax return on assets | 0.5290% | 5,338 |
| Return on Equity (ROE) | 1.9720% | 6,085 |
| Retained earnings to average equity (ytd only) | -13.7622% | 6,948 |
| Net charge-offs to loans | 0.1905% | 2,965 |
| Credit loss provision to net charge-offs | 235.5556% | 1,201 |
| Earnings coverage of net charge-offs (x) | 7.8667% | 2,027 |
| Efficiency ratio | 79.6669% | 2,243 |
| Assets per employee ($millions) | 6.2462% | 1,122 |
| Cash dividends to net income (ytd only)* | 797.8723% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 3,848 |
| Loan loss allowance to noncurrent loans | 3,772.5000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,631 |
| Noncurrent loans to loans | 0.0416% | 6,650 |
| Net loans and leases to total assets | 50.4782% | 5,236 |
| Net loans and leases to deposits | 63.4442% | 4,711 |
| Net loans and leases to core deposits | 66.5571% | 4,852 |
| Total domestic deposits to total assets | 79.5630% | 5,956 |
| Equity capital to assets | 19.9930% | 228 |
| Core capital (leverage) ratio | 19.6088% | 214 |
| Tier 1 risk-based capital ratio | 30.5333% | 502 |
| Total risk-based capital ratio | 31.7835% | 496 |
| Memoranda: | ||
| Average total assets | $187,523,500 | 3,265 |
| Average earning assets | $174,233,500 | 3,234 |
| Average equity | $38,133,500 | 1,826 |
| Average total loans | $94,504,000 | 3,721 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 5,873 |
| Cost of funding earning assets | 0.6236% | 5,971 |
| Net interest margin | 3.6400% | 4,564 |
| Noninterest income to average assets | 0.5558% | 3,465 |
| Noninterest expense to average assets | 3.4680% | 2,065 |
| Loan and lease loss provision to assets | 0.2158% | 4,038 |
| Net operating income to assets | 0.2168% | 5,540 |
| Return on assets (ROA) | 0.3042% | 5,389 |
| Pretax return on assets | 0.3427% | 5,446 |
| Return on Equity (ROE) | 1.4331% | 5,861 |
| Retained earnings to average equity (ytd only) | -1.1537% | 6,034 |
| Net charge-offs to loans | 0.0674% | 5,635 |
| Credit loss provision to net charge-offs | 714.5455% | 303 |
| Earnings coverage of net charge-offs (x) | 15.2364% | 1,408 |
| Efficiency ratio | 88.2846% | 1,338 |
| Assets per employee ($millions) | 6.0536% | 1,193 |
| Cash dividends to net income (ytd only)* | 180.5054% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 3,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 5,730 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 48.7379% | 5,747 |
| Net loans and leases to deposits | 62.1176% | 5,225 |
| Net loans and leases to core deposits | 65.1991% | 5,343 |
| Total domestic deposits to total assets | 78.4606% | 6,101 |
| Equity capital to assets | 20.6772% | 198 |
| Core capital (leverage) ratio | 20.2731% | 190 |
| Tier 1 risk-based capital ratio | 32.8908% | 392 |
| Total risk-based capital ratio | 34.1407% | 389 |
| Memoranda: | ||
| Average total assets | $182,094,000 | 3,301 |
| Average earning assets | $168,710,200 | 3,268 |
| Average equity | $38,658,200 | 1,746 |
| Average total loans | $81,550,400 | 4,093 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 6,158 |
| Cost of funding earning assets | 0.6396% | 6,096 |
| Net interest margin | 3.5810% | 4,847 |
| Noninterest income to average assets | 0.4493% | 4,299 |
| Noninterest expense to average assets | 3.4848% | 1,979 |
| Loan and lease loss provision to assets | 0.1232% | 4,896 |
| Net operating income to assets | 0.1461% | 5,849 |
| Return on assets (ROA) | 0.2715% | 5,664 |
| Pretax return on assets | 0.2863% | 5,732 |
| Return on Equity (ROE) | 1.2704% | 6,006 |
| Retained earnings to average equity (ytd only) | -2.1818% | 6,319 |
| Net charge-offs to loans | 0.0017% | 6,177 |
| Credit loss provision to net charge-offs | 16,700.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 376.9323% | 97 |
| Efficiency ratio | 92.6260% | 988 |
| Assets per employee ($millions) | 5.8823% | 1,284 |
| Cash dividends to net income (ytd only)* | 271.7416% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 4,295 |
| Loan loss allowance to noncurrent loans | 886.1111% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 5,549 |
| Noncurrent loans to loans | 0.1646% | 6,536 |
| Net loans and leases to total assets | 47.2646% | 6,028 |
| Net loans and leases to deposits | 60.8170% | 5,538 |
| Net loans and leases to core deposits | 62.5707% | 5,763 |
| Total domestic deposits to total assets | 77.7162% | 6,245 |
| Equity capital to assets | 21.2792% | 193 |
| Core capital (leverage) ratio | 20.4924% | 199 |
| Tier 1 risk-based capital ratio | 33.2426% | 414 |
| Total risk-based capital ratio | 34.3776% | 409 |
| Memoranda: | ||
| Average total assets | $180,702,250 | 3,334 |
| Average earning assets | $167,176,250 | 3,299 |
| Average equity | $38,622,000 | 1,746 |
| Average total loans | $78,710,500 | 4,216 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 6,380 |
| Cost of funding earning assets | 0.6517% | 6,218 |
| Net interest margin | 3.5009% | 5,163 |
| Noninterest income to average assets | 0.5085% | 3,790 |
| Noninterest expense to average assets | 3.5370% | 1,890 |
| Loan and lease loss provision to assets | 0.0533% | 5,651 |
| Net operating income to assets | 0.1854% | 5,793 |
| Return on assets (ROA) | 0.2009% | 5,852 |
| Pretax return on assets | 0.1721% | 5,978 |
| Return on Equity (ROE) | 0.9388% | 6,104 |
| Retained earnings to average equity (ytd only) | -4.2477% | 6,496 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4000% | 951 |
| Assets per employee ($millions) | 4.9194% | 2,236 |
| Cash dividends to net income (ytd only)* | 552.4862% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 4,393 |
| Loan loss allowance to noncurrent loans | 2,316.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 5,643 |
| Noncurrent loans to loans | 0.0622% | 6,830 |
| Net loans and leases to total assets | 43.5259% | 6,473 |
| Net loans and leases to deposits | 56.9415% | 6,057 |
| Net loans and leases to core deposits | 58.6339% | 6,222 |
| Total domestic deposits to total assets | 76.4397% | 6,531 |
| Equity capital to assets | 21.3528% | 199 |
| Core capital (leverage) ratio | 20.4525% | 205 |
| Tier 1 risk-based capital ratio | 34.5828% | 362 |
| Total risk-based capital ratio | 35.6570% | 358 |
| Memoranda: | ||
| Average total assets | $180,152,330 | 3,367 |
| Average earning assets | $166,641,000 | 3,326 |
| Average equity | $38,561,670 | 1,740 |
| Average total loans | $75,792,670 | 4,352 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 6,343 |
| Cost of funding earning assets | 0.6647% | 6,319 |
| Net interest margin | 3.5072% | 4,977 |
| Noninterest income to average assets | 0.6673% | 2,745 |
| Noninterest expense to average assets | 3.7920% | 1,349 |
| Loan and lease loss provision to assets | 0.0268% | 5,629 |
| Net operating income to assets | 0.1495% | 5,950 |
| Return on assets (ROA) | 0.1495% | 6,006 |
| Pretax return on assets | 0.0870% | 6,202 |
| Return on Equity (ROE) | 0.6977% | 6,216 |
| Retained earnings to average equity (ytd only) | -9.7163% | 6,857 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0857% | 871 |
| Assets per employee ($millions) | 4.7859% | 2,447 |
| Cash dividends to net income (ytd only)* | 1,492.5373% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 4,278 |
| Loan loss allowance to noncurrent loans | 2,244.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 5,652 |
| Noncurrent loans to loans | 0.0662% | 6,876 |
| Net loans and leases to total assets | 41.9901% | 6,616 |
| Net loans and leases to deposits | 54.1807% | 6,277 |
| Net loans and leases to core deposits | 55.8094% | 6,426 |
| Total domestic deposits to total assets | 77.5000% | 6,448 |
| Equity capital to assets | 21.4807% | 184 |
| Core capital (leverage) ratio | 20.2782% | 217 |
| Tier 1 risk-based capital ratio | 36.4033% | 318 |
| Total risk-based capital ratio | 37.5117% | 313 |
| Memoranda: | ||
| Average total assets | $179,219,500 | 3,394 |
| Average earning assets | $165,489,000 | 3,369 |
| Average equity | $38,409,500 | 1,734 |
| Average total loans | $73,497,500 | 4,489 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 6,475 |
| Cost of funding earning assets | 0.9764% | 5,803 |
| Net interest margin | 3.4911% | 5,277 |
| Noninterest income to average assets | 4.4556% | 154 |
| Noninterest expense to average assets | 5.4255% | 319 |
| Loan and lease loss provision to assets | -1.4073% | 7,656 |
| Net operating income to assets | 2.3937% | 133 |
| Return on assets (ROA) | 2.3937% | 140 |
| Pretax return on assets | 3.6723% | 80 |
| Return on Equity (ROE) | 11.7007% | 1,389 |
| Retained earnings to average equity (ytd only) | 11.7007% | 299 |
| Net charge-offs to loans | 1.2419% | 1,806 |
| Credit loss provision to net charge-offs | -223.7598% | 7,068 |
| Earnings coverage of net charge-offs (x) | 3.6014% | 3,285 |
| Efficiency ratio | 70.4911% | 4,072 |
| Assets per employee ($millions) | 4.7726% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 3,766 |
| Loan loss allowance to noncurrent loans | 44.6141% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 1.9828% | 3,369 |
| Noncurrent loans to loans | 3.4789% | 2,176 |
| Net loans and leases to total assets | 38.8219% | 7,034 |
| Net loans and leases to deposits | 50.3515% | 6,839 |
| Net loans and leases to core deposits | 51.8400% | 6,916 |
| Total domestic deposits to total assets | 77.1018% | 6,468 |
| Equity capital to assets | 21.3836% | 194 |
| Core capital (leverage) ratio | 20.5533% | 209 |
| Tier 1 risk-based capital ratio | 38.8722% | 260 |
| Total risk-based capital ratio | 40.0175% | 256 |
| Memoranda: | ||
| Average total assets | $182,691,600 | 3,335 |
| Average earning assets | $169,289,000 | 3,295 |
| Average equity | $37,373,800 | 1,769 |
| Average total loans | $92,517,600 | 3,991 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 5,906 |
| Cost of funding earning assets | 1.0712% | 5,587 |
| Net interest margin | 3.6612% | 4,589 |
| Noninterest income to average assets | 5.3449% | 128 |
| Noninterest expense to average assets | 5.4024% | 287 |
| Loan and lease loss provision to assets | -1.9654% | 7,761 |
| Net operating income to assets | 3.4129% | 57 |
| Return on assets (ROA) | 3.4129% | 61 |
| Pretax return on assets | 5.2990% | 47 |
| Return on Equity (ROE) | 16.8724% | 601 |
| Retained earnings to average equity (ytd only) | 16.8724% | 142 |
| Net charge-offs to loans | 1.3406% | 1,511 |
| Credit loss provision to net charge-offs | -274.4659% | 6,971 |
| Earnings coverage of net charge-offs (x) | 4.6552% | 2,962 |
| Efficiency ratio | 61.7745% | 5,655 |
| Assets per employee ($millions) | 3.5018% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7660% | 2,912 |
| Loan loss allowance to noncurrent loans | 32.4675% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 2.3988% | 2,980 |
| Noncurrent loans to loans | 5.4394% | 1,231 |
| Net loans and leases to total assets | 35.8180% | 7,274 |
| Net loans and leases to deposits | 47.2685% | 7,116 |
| Net loans and leases to core deposits | 48.5489% | 7,181 |
| Total domestic deposits to total assets | 75.7755% | 6,695 |
| Equity capital to assets | 22.1287% | 193 |
| Core capital (leverage) ratio | 20.9580% | 209 |
| Tier 1 risk-based capital ratio | 42.3616% | 210 |
| Total risk-based capital ratio | 43.6123% | 210 |
| Memoranda: | ||
| Average total assets | $183,024,750 | 3,381 |
| Average earning assets | $169,521,750 | 3,328 |
| Average equity | $37,022,000 | 1,803 |
| Average total loans | $97,767,750 | 3,923 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 4,367 |
| Cost of funding earning assets | 1.2164% | 5,039 |
| Net interest margin | 3.9000% | 3,449 |
| Noninterest income to average assets | 7.2346% | 98 |
| Noninterest expense to average assets | 5.6726% | 248 |
| Loan and lease loss provision to assets | -2.9094% | 7,830 |
| Net operating income to assets | 5.1631% | 34 |
| Return on assets (ROA) | 5.1631% | 33 |
| Pretax return on assets | 8.0964% | 29 |
| Return on Equity (ROE) | 26.3227% | 99 |
| Retained earnings to average equity (ytd only) | 26.3227% | 39 |
| Net charge-offs to loans | 1.8242% | 1,018 |
| Credit loss provision to net charge-offs | -270.8375% | 6,759 |
| Earnings coverage of net charge-offs (x) | 4.8285% | 2,828 |
| Efficiency ratio | 52.1561% | 7,049 |
| Assets per employee ($millions) | 3.6013% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 2,572 |
| Loan loss allowance to noncurrent loans | 78.6395% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 5,163 |
| Noncurrent loans to loans | 2.3491% | 3,314 |
| Net loans and leases to total assets | 32.7993% | 7,457 |
| Net loans and leases to deposits | 42.8682% | 7,361 |
| Net loans and leases to core deposits | 43.9592% | 7,402 |
| Total domestic deposits to total assets | 76.5120% | 6,599 |
| Equity capital to assets | 21.0941% | 232 |
| Core capital (leverage) ratio | 20.0600% | 246 |
| Tier 1 risk-based capital ratio | 43.0979% | 203 |
| Total risk-based capital ratio | 44.3484% | 199 |
| Memoranda: | ||
| Average total assets | $184,502,330 | 3,377 |
| Average earning assets | $171,487,330 | 3,319 |
| Average equity | $36,189,330 | 1,846 |
| Average total loans | $108,651,000 | 3,667 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7497% | 242 |
| Cost of funding earning assets | 1.3415% | 4,552 |
| Net interest margin | 5.4082% | 208 |
| Noninterest income to average assets | 2.5120% | 254 |
| Noninterest expense to average assets | 5.5461% | 268 |
| Loan and lease loss provision to assets | 1.9113% | 585 |
| Net operating income to assets | 0.1507% | 5,858 |
| Return on assets (ROA) | 0.1507% | 5,985 |
| Pretax return on assets | 0.0830% | 6,181 |
| Return on Equity (ROE) | 0.7992% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.7992% | 5,499 |
| Net charge-offs to loans | 2.4270% | 684 |
| Credit loss provision to net charge-offs | 109.5119% | 3,145 |
| Earnings coverage of net charge-offs (x) | 1.1427% | 4,083 |
| Efficiency ratio | 73.3198% | 3,703 |
| Assets per employee ($millions) | 3.5234% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8034% | 436 |
| Loan loss allowance to noncurrent loans | 180.0073% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 4,176 |
| Noncurrent loans to loans | 2.1129% | 3,637 |
| Net loans and leases to total assets | 66.4609% | 3,756 |
| Net loans and leases to deposits | 82.3250% | 3,231 |
| Net loans and leases to core deposits | 84.8040% | 4,089 |
| Total domestic deposits to total assets | 80.7299% | 5,545 |
| Equity capital to assets | 18.5065% | 376 |
| Core capital (leverage) ratio | 17.3929% | 420 |
| Tier 1 risk-based capital ratio | 23.5999% | 1,001 |
| Total risk-based capital ratio | 24.8787% | 974 |
| Memoranda: | ||
| Average total assets | $183,120,500 | 3,456 |
| Average earning assets | $170,260,000 | 3,398 |
| Average equity | $34,533,000 | 1,954 |
| Average total loans | $131,687,500 | 3,228 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0071% | 280 |
| Cost of funding earning assets | 1.5598% | 5,227 |
| Net interest margin | 5.4472% | 196 |
| Noninterest income to average assets | 3.0349% | 225 |
| Noninterest expense to average assets | 5.9300% | 318 |
| Loan and lease loss provision to assets | 2.4227% | 833 |
| Net operating income to assets | -0.0803% | 5,641 |
| Return on assets (ROA) | -0.0784% | 5,656 |
| Pretax return on assets | -0.2565% | 5,779 |
| Return on Equity (ROE) | -0.3849% | 5,600 |
| Retained earnings to average equity (ytd only) | -0.3849% | 5,056 |
| Net charge-offs to loans | 1.7451% | 1,431 |
| Credit loss provision to net charge-offs | 196.1796% | 2,016 |
| Earnings coverage of net charge-offs (x) | 1.7517% | 4,415 |
| Efficiency ratio | 73.0453% | 4,085 |
| Assets per employee ($millions) | 3.3868% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5956% | 492 |
| Loan loss allowance to noncurrent loans | 165.6722% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7175% | 3,791 |
| Noncurrent loans to loans | 2.1703% | 3,423 |
| Net loans and leases to total assets | 72.1600% | 2,713 |
| Net loans and leases to deposits | 90.2603% | 2,180 |
| Net loans and leases to core deposits | 107.5028% | 3,154 |
| Total domestic deposits to total assets | 79.9466% | 5,681 |
| Equity capital to assets | 19.2238% | 350 |
| Core capital (leverage) ratio | 17.9559% | 414 |
| Tier 1 risk-based capital ratio | 23.0498% | 1,038 |
| Total risk-based capital ratio | 24.3275% | 1,016 |
| Memoranda: | ||
| Average total assets | $169,561,000 | 3,623 |
| Average earning assets | $157,455,600 | 3,568 |
| Average equity | $34,551,000 | 1,947 |
| Average total loans | $119,991,800 | 3,484 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0343% | 283 |
| Cost of funding earning assets | 1.5923% | 5,435 |
| Net interest margin | 5.4420% | 195 |
| Noninterest income to average assets | 3.0796% | 218 |
| Noninterest expense to average assets | 6.0889% | 299 |
| Loan and lease loss provision to assets | 2.2089% | 784 |
| Net operating income to assets | 0.0110% | 5,687 |
| Return on assets (ROA) | 0.0136% | 5,733 |
| Pretax return on assets | -0.1604% | 5,920 |
| Return on Equity (ROE) | 0.0656% | 5,753 |
| Retained earnings to average equity (ytd only) | 0.0656% | 5,173 |
| Net charge-offs to loans | 1.7010% | 1,193 |
| Credit loss provision to net charge-offs | 186.3973% | 2,444 |
| Earnings coverage of net charge-offs (x) | 1.7253% | 4,504 |
| Efficiency ratio | 74.6370% | 3,755 |
| Assets per employee ($millions) | 3.3949% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2118% | 555 |
| Loan loss allowance to noncurrent loans | 371.9601% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 5,919 |
| Noncurrent loans to loans | 0.8635% | 5,566 |
| Net loans and leases to total assets | 68.6510% | 3,808 |
| Net loans and leases to deposits | 86.2657% | 3,259 |
| Net loans and leases to core deposits | 102.4305% | 4,114 |
| Total domestic deposits to total assets | 79.5808% | 5,598 |
| Equity capital to assets | 19.3560% | 384 |
| Core capital (leverage) ratio | 18.1796% | 442 |
| Tier 1 risk-based capital ratio | 24.2181% | 978 |
| Total risk-based capital ratio | 25.4905% | 955 |
| Memoranda: | ||
| Average total assets | $167,076,000 | 3,676 |
| Average earning assets | $155,159,000 | 3,636 |
| Average equity | $34,562,000 | 1,964 |
| Average total loans | $116,400,000 | 3,585 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1072% | 264 |
| Cost of funding earning assets | 1.5910% | 5,774 |
| Net interest margin | 5.5161% | 178 |
| Noninterest income to average assets | 3.1451% | 200 |
| Noninterest expense to average assets | 6.3910% | 279 |
| Loan and lease loss provision to assets | 2.3404% | 679 |
| Net operating income to assets | -0.1821% | 6,159 |
| Return on assets (ROA) | -0.1781% | 6,175 |
| Pretax return on assets | -0.4730% | 6,396 |
| Return on Equity (ROE) | -0.8412% | 6,053 |
| Retained earnings to average equity (ytd only) | -0.8412% | 5,438 |
| Net charge-offs to loans | 2.1694% | 847 |
| Credit loss provision to net charge-offs | 155.8920% | 2,951 |
| Earnings coverage of net charge-offs (x) | 1.2398% | 4,604 |
| Efficiency ratio | 77.2220% | 3,472 |
| Assets per employee ($millions) | 3.0982% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9298% | 598 |
| Loan loss allowance to noncurrent loans | 454.4156% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 6,363 |
| Noncurrent loans to loans | 0.6448% | 5,962 |
| Net loans and leases to total assets | 65.6457% | 4,635 |
| Net loans and leases to deposits | 82.8606% | 4,070 |
| Net loans and leases to core deposits | 98.3967% | 4,662 |
| Total domestic deposits to total assets | 79.2242% | 5,740 |
| Equity capital to assets | 19.4383% | 418 |
| Core capital (leverage) ratio | 19.4045% | 392 |
| Tier 1 risk-based capital ratio | 25.0293% | 936 |
| Total risk-based capital ratio | 26.2978% | 917 |
| Memoranda: | ||
| Average total assets | $162,791,670 | 3,763 |
| Average earning assets | $150,721,330 | 3,729 |
| Average equity | $34,473,670 | 1,967 |
| Average total loans | $112,659,330 | 3,708 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4173% | 186 |
| Cost of funding earning assets | 1.6217% | 5,937 |
| Net interest margin | 5.7955% | 126 |
| Noninterest income to average assets | 3.1432% | 202 |
| Noninterest expense to average assets | 6.5867% | 230 |
| Loan and lease loss provision to assets | 1.6242% | 769 |
| Net operating income to assets | 0.3002% | 5,298 |
| Return on assets (ROA) | 0.3130% | 5,426 |
| Pretax return on assets | 0.3002% | 5,684 |
| Return on Equity (ROE) | 1.4126% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.4126% | 5,070 |
| Net charge-offs to loans | 1.9181% | 754 |
| Credit loss provision to net charge-offs | 120.8015% | 3,261 |
| Earnings coverage of net charge-offs (x) | 1.4218% | 4,025 |
| Efficiency ratio | 77.2645% | 3,291 |
| Assets per employee ($millions) | 2.7621% | 6,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6348% | 662 |
| Loan loss allowance to noncurrent loans | 343.3099% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 5,854 |
| Noncurrent loans to loans | 0.7675% | 5,512 |
| Net loans and leases to total assets | 68.6548% | 3,989 |
| Net loans and leases to deposits | 89.4739% | 3,017 |
| Net loans and leases to core deposits | 101.5340% | 4,394 |
| Total domestic deposits to total assets | 76.7316% | 6,353 |
| Equity capital to assets | 22.0088% | 305 |
| Core capital (leverage) ratio | 21.3251% | 336 |
| Tier 1 risk-based capital ratio | 27.9231% | 760 |
| Total risk-based capital ratio | 29.1880% | 739 |
| Memoranda: | ||
| Average total assets | $155,890,000 | 3,907 |
| Average earning assets | $144,042,500 | 3,874 |
| Average equity | $34,547,000 | 1,970 |
| Average total loans | $109,276,000 | 3,803 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2057% | 735 |
| Cost of funding earning assets | 1.9725% | 6,501 |
| Net interest margin | 5.2332% | 316 |
| Noninterest income to average assets | 3.5858% | 162 |
| Noninterest expense to average assets | 7.7657% | 235 |
| Loan and lease loss provision to assets | 1.7490% | 730 |
| Net operating income to assets | -0.9259% | 7,204 |
| Return on assets (ROA) | 0.6142% | 4,105 |
| Pretax return on assets | 0.7664% | 4,192 |
| Return on Equity (ROE) | 2.7803% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.7803% | 3,449 |
| Net charge-offs to loans | 2.5117% | 378 |
| Credit loss provision to net charge-offs | 119.9558% | 4,482 |
| Earnings coverage of net charge-offs (x) | 0.4049% | 5,992 |
| Efficiency ratio | 90.6347% | 1,467 |
| Assets per employee ($millions) | 2.5302% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6186% | 603 |
| Loan loss allowance to noncurrent loans | 295.1782% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 5,348 |
| Noncurrent loans to loans | 0.8871% | 4,844 |
| Net loans and leases to total assets | 67.8508% | 4,487 |
| Net loans and leases to deposits | 93.9186% | 2,777 |
| Net loans and leases to core deposits | 101.8716% | 4,627 |
| Total domestic deposits to total assets | 72.2443% | 6,957 |
| Equity capital to assets | 22.3165% | 337 |
| Core capital (leverage) ratio | 21.7196% | 347 |
| Tier 1 risk-based capital ratio | 28.7215% | 718 |
| Total risk-based capital ratio | 29.9864% | 705 |
| Memoranda: | ||
| Average total assets | $155,001,200 | 3,805 |
| Average earning assets | $141,291,000 | 3,820 |
| Average equity | $34,240,800 | 1,982 |
| Average total loans | $89,977,400 | 4,225 |