Home > Alden State Bank > Performance and Condition Ratios
Alden State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6650% | 1,743 |
| Cost of funding earning assets | 1.9451% | 2,080 |
| Net interest margin | 3.7199% | 1,846 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 2.2440% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2440% | 1,617 |
| Return on assets (ROA) | 1.2440% | 1,619 |
| Pretax return on assets | 1.6259% | 1,249 |
| Return on Equity (ROE) | 11.1300% | 1,981 |
| Retained earnings to average equity (ytd only) | 11.1271% | 934 |
| Net charge-offs to loans | 0.0088% | 1,922 |
| Credit loss provision to net charge-offs | 4,175.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 318.2500% | 295 |
| Efficiency ratio | 57.9868% | 3,172 |
| Assets per employee ($millions) | 8.6279% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7365% | 178 |
| Loan loss allowance to noncurrent loans | 530.0319% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 2,101 |
| Noncurrent loans to loans | 0.5163% | 1,829 |
| Net loans and leases to total assets | 55.4100% | 3,247 |
| Net loans and leases to deposits | 62.9163% | 3,326 |
| Net loans and leases to core deposits | 73.2355% | 3,118 |
| Total domestic deposits to total assets | 88.0700% | 1,535 |
| Equity capital to assets | 11.2445% | 1,541 |
| Core capital (leverage) ratio | 11.7301% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $313,186,500 | 2,422 |
| Average earning assets | $296,134,000 | 2,387 |
| Average equity | $35,013,500 | 2,229 |
| Average total loans | $181,254,000 | 2,531 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9404% | 1,371 |
| Cost of funding earning assets | 1.7790% | 2,773 |
| Net interest margin | 4.1614% | 976 |
| Noninterest income to average assets | 0.4800% | 2,039 |
| Noninterest expense to average assets | 2.3333% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.6287% | 741 |
| Return on assets (ROA) | 1.6287% | 736 |
| Pretax return on assets | 2.0689% | 534 |
| Return on Equity (ROE) | 14.6300% | 1,006 |
| Retained earnings to average equity (ytd only) | 10.0325% | 581 |
| Net charge-offs to loans | -0.1746% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 53.0023% | 3,796 |
| Assets per employee ($millions) | 8.0827% | 1,491 |
| Cash dividends to net income (ytd only)* | 31.4062% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6650% | 181 |
| Loan loss allowance to noncurrent loans | 655.8583% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 2,315 |
| Noncurrent loans to loans | 0.4063% | 2,066 |
| Net loans and leases to total assets | 57.2400% | 3,172 |
| Net loans and leases to deposits | 64.9498% | 3,289 |
| Net loans and leases to core deposits | 76.0741% | 3,040 |
| Total domestic deposits to total assets | 88.1400% | 1,462 |
| Equity capital to assets | 11.1124% | 1,538 |
| Core capital (leverage) ratio | 11.4678% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $297,352,200 | 2,479 |
| Average earning assets | $280,097,800 | 2,458 |
| Average equity | $33,112,400 | 2,254 |
| Average total loans | $171,798,000 | 2,559 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8627% | 1,448 |
| Cost of funding earning assets | 1.7012% | 2,955 |
| Net interest margin | 4.1615% | 942 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 2.3279% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.5168% | 919 |
| Return on assets (ROA) | 1.5168% | 918 |
| Pretax return on assets | 1.9852% | 658 |
| Return on Equity (ROE) | 13.6100% | 1,227 |
| Retained earnings to average equity (ytd only) | 10.9236% | 664 |
| Net charge-offs to loans | -0.2249% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 53.9727% | 3,722 |
| Assets per employee ($millions) | 7.6595% | 1,716 |
| Cash dividends to net income (ytd only)* | 19.7615% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7209% | 181 |
| Loan loss allowance to noncurrent loans | 605.3299% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 2,270 |
| Noncurrent loans to loans | 0.4495% | 1,960 |
| Net loans and leases to total assets | 53.0100% | 3,486 |
| Net loans and leases to deposits | 59.9372% | 3,597 |
| Net loans and leases to core deposits | 68.1304% | 3,482 |
| Total domestic deposits to total assets | 88.4500% | 1,101 |
| Equity capital to assets | 10.8542% | 1,805 |
| Core capital (leverage) ratio | 11.3814% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $294,904,750 | 2,484 |
| Average earning assets | $277,680,000 | 2,466 |
| Average equity | $32,857,750 | 2,260 |
| Average total loans | $169,588,750 | 2,575 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7932% | 1,468 |
| Cost of funding earning assets | 1.6564% | 2,969 |
| Net interest margin | 4.1368% | 965 |
| Noninterest income to average assets | 0.4100% | 2,325 |
| Noninterest expense to average assets | 2.3960% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.4407% | 1,012 |
| Return on assets (ROA) | 1.4407% | 1,013 |
| Pretax return on assets | 1.9009% | 743 |
| Return on Equity (ROE) | 12.8100% | 1,412 |
| Retained earnings to average equity (ytd only) | 8.6848% | 1,174 |
| Net charge-offs to loans | -0.2421% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 55.7617% | 3,596 |
| Assets per employee ($millions) | 7.4480% | 1,764 |
| Cash dividends to net income (ytd only)* | 32.1845% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1598% | 140 |
| Loan loss allowance to noncurrent loans | 1,605.8824% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,903 |
| Noncurrent loans to loans | 0.1968% | 2,708 |
| Net loans and leases to total assets | 54.8000% | 3,352 |
| Net loans and leases to deposits | 61.6443% | 3,493 |
| Net loans and leases to core deposits | 69.4473% | 3,397 |
| Total domestic deposits to total assets | 88.8900% | 1,038 |
| Equity capital to assets | 10.6861% | 1,705 |
| Core capital (leverage) ratio | 11.5830% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $285,972,667 | 2,517 |
| Average earning assets | $268,900,333 | 2,500 |
| Average equity | $32,171,000 | 2,260 |
| Average total loans | $167,681,667 | 2,584 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7661% | 1,371 |
| Cost of funding earning assets | 1.6466% | 2,870 |
| Net interest margin | 4.1196% | 942 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 2.2948% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4782% | 929 |
| Return on assets (ROA) | 1.4782% | 937 |
| Pretax return on assets | 1.9560% | 671 |
| Return on Equity (ROE) | 12.7900% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.7863% | 631 |
| Net charge-offs to loans | -0.1284% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 53.9850% | 3,766 |
| Assets per employee ($millions) | 6.6411% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1182% | 106 |
| Loan loss allowance to noncurrent loans | 1,916.9675% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 2,964 |
| Noncurrent loans to loans | 0.1627% | 2,807 |
| Net loans and leases to total assets | 59.1500% | 2,943 |
| Net loans and leases to deposits | 67.5919% | 3,059 |
| Net loans and leases to core deposits | 74.9345% | 3,054 |
| Total domestic deposits to total assets | 87.5100% | 1,601 |
| Equity capital to assets | 11.5350% | 1,293 |
| Core capital (leverage) ratio | 11.8715% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $276,275,000 | 2,569 |
| Average earning assets | $258,960,000 | 2,556 |
| Average equity | $31,940,500 | 2,275 |
| Average total loans | $165,124,500 | 2,600 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 1,267 |
| Cost of funding earning assets | 1.1099% | 3,042 |
| Net interest margin | 4.3151% | 793 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.3730% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6629% | 775 |
| Return on assets (ROA) | 1.3951% | 1,199 |
| Pretax return on assets | 1.7567% | 951 |
| Return on Equity (ROE) | 13.2200% | 1,673 |
| Retained earnings to average equity (ytd only) | 8.4499% | 1,410 |
| Net charge-offs to loans | -0.1713% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.1027% | 3,745 |
| Assets per employee ($millions) | 6.5545% | 2,381 |
| Cash dividends to net income (ytd only)* | 36.1018% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2865% | 97 |
| Loan loss allowance to noncurrent loans | 1,668.8889% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 2,770 |
| Noncurrent loans to loans | 0.1969% | 2,526 |
| Net loans and leases to total assets | 56.2000% | 3,173 |
| Net loans and leases to deposits | 64.4059% | 3,268 |
| Net loans and leases to core deposits | 70.9931% | 3,245 |
| Total domestic deposits to total assets | 87.2500% | 1,604 |
| Equity capital to assets | 11.4479% | 1,305 |
| Core capital (leverage) ratio | 12.0065% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $278,763,400 | 2,533 |
| Average earning assets | $261,382,800 | 2,514 |
| Average equity | $29,408,800 | 2,295 |
| Average total loans | $151,823,000 | 2,658 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2576% | 1,347 |
| Cost of funding earning assets | 0.9855% | 3,078 |
| Net interest margin | 4.2721% | 833 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.3321% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6259% | 895 |
| Return on assets (ROA) | 1.6259% | 885 |
| Pretax return on assets | 2.0994% | 657 |
| Return on Equity (ROE) | 15.7400% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.8611% | 838 |
| Net charge-offs to loans | -0.1940% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.6253% | 3,709 |
| Assets per employee ($millions) | 7.0242% | 1,944 |
| Cash dividends to net income (ytd only)* | 18.2991% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4144% | 85 |
| Loan loss allowance to noncurrent loans | 1,383.2891% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 2,681 |
| Noncurrent loans to loans | 0.2468% | 2,354 |
| Net loans and leases to total assets | 51.2200% | 3,544 |
| Net loans and leases to deposits | 57.5787% | 3,627 |
| Net loans and leases to core deposits | 62.5961% | 3,588 |
| Total domestic deposits to total assets | 88.9600% | 1,269 |
| Equity capital to assets | 10.2850% | 1,656 |
| Core capital (leverage) ratio | 11.0285% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $279,631,500 | 2,530 |
| Average earning assets | $262,192,250 | 2,509 |
| Average equity | $28,882,250 | 2,301 |
| Average total loans | $149,789,250 | 2,681 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2173% | 1,190 |
| Cost of funding earning assets | 0.7963% | 3,215 |
| Net interest margin | 4.4211% | 681 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.3226% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7331% | 737 |
| Return on assets (ROA) | 1.7331% | 741 |
| Pretax return on assets | 2.2366% | 511 |
| Return on Equity (ROE) | 16.7500% | 1,140 |
| Retained earnings to average equity (ytd only) | 12.3968% | 910 |
| Net charge-offs to loans | -0.2204% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.9428% | 3,853 |
| Assets per employee ($millions) | 7.4130% | 1,651 |
| Cash dividends to net income (ytd only)* | 26.0108% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3828% | 101 |
| Loan loss allowance to noncurrent loans | 1,517.9412% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 2,677 |
| Noncurrent loans to loans | 0.2229% | 2,373 |
| Net loans and leases to total assets | 53.7400% | 3,290 |
| Net loans and leases to deposits | 60.7230% | 3,378 |
| Net loans and leases to core deposits | 66.1190% | 3,344 |
| Total domestic deposits to total assets | 88.5000% | 1,427 |
| Equity capital to assets | 10.6559% | 1,525 |
| Core capital (leverage) ratio | 11.3427% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $276,844,333 | 2,546 |
| Average earning assets | $259,214,333 | 2,532 |
| Average equity | $28,636,333 | 2,326 |
| Average total loans | $148,807,667 | 2,687 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 1,268 |
| Cost of funding earning assets | 0.5513% | 3,529 |
| Net interest margin | 4.4285% | 650 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.2882% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7431% | 760 |
| Return on assets (ROA) | 1.7431% | 750 |
| Pretax return on assets | 2.2709% | 514 |
| Return on Equity (ROE) | 17.1100% | 1,157 |
| Retained earnings to average equity (ytd only) | 17.1060% | 584 |
| Net charge-offs to loans | -0.3784% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.1893% | 3,917 |
| Assets per employee ($millions) | 4.8958% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4614% | 91 |
| Loan loss allowance to noncurrent loans | 1,646.1538% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 2,725 |
| Noncurrent loans to loans | 0.2103% | 2,422 |
| Net loans and leases to total assets | 52.2500% | 3,333 |
| Net loans and leases to deposits | 58.9901% | 3,396 |
| Net loans and leases to core deposits | 63.1923% | 3,381 |
| Total domestic deposits to total assets | 88.5700% | 1,712 |
| Equity capital to assets | 10.5674% | 1,537 |
| Core capital (leverage) ratio | 11.3260% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $278,126,500 | 2,568 |
| Average earning assets | $260,492,000 | 2,558 |
| Average equity | $28,341,000 | 2,368 |
| Average total loans | $146,928,500 | 2,733 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 2,958 |
| Cost of funding earning assets | 0.2348% | 3,464 |
| Net interest margin | 3.3090% | 2,541 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.0611% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1063% | 2,148 |
| Return on assets (ROA) | 1.1063% | 2,083 |
| Pretax return on assets | 1.3691% | 1,871 |
| Return on Equity (ROE) | 11.9400% | 2,159 |
| Retained earnings to average equity (ytd only) | 7.2654% | 2,116 |
| Net charge-offs to loans | -0.1432% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.0864% | 3,045 |
| Assets per employee ($millions) | 7.2330% | 1,795 |
| Cash dividends to net income (ytd only)* | 39.1596% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4349% | 83 |
| Loan loss allowance to noncurrent loans | 1,411.5819% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,649 |
| Noncurrent loans to loans | 0.2433% | 2,304 |
| Net loans and leases to total assets | 49.8000% | 3,518 |
| Net loans and leases to deposits | 55.6031% | 3,598 |
| Net loans and leases to core deposits | 58.4847% | 3,588 |
| Total domestic deposits to total assets | 89.5600% | 1,532 |
| Equity capital to assets | 9.8232% | 1,807 |
| Core capital (leverage) ratio | 9.8633% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $296,836,000 | 2,462 |
| Average earning assets | $268,720,200 | 2,497 |
| Average equity | $27,500,200 | 2,454 |
| Average total loans | $138,288,600 | 2,746 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1195% | 3,632 |
| Cost of funding earning assets | 0.2128% | 3,116 |
| Net interest margin | 2.9067% | 3,485 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.9055% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8811% | 2,961 |
| Return on assets (ROA) | 0.8811% | 2,932 |
| Pretax return on assets | 1.1371% | 2,604 |
| Return on Equity (ROE) | 9.6500% | 2,828 |
| Retained earnings to average equity (ytd only) | 6.8055% | 2,447 |
| Net charge-offs to loans | -0.1475% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.6276% | 2,748 |
| Assets per employee ($millions) | 8.6464% | 1,008 |
| Cash dividends to net income (ytd only)* | 29.4562% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5259% | 85 |
| Loan loss allowance to noncurrent loans | 2,097.8814% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,141 |
| Noncurrent loans to loans | 0.1681% | 2,754 |
| Net loans and leases to total assets | 43.5200% | 3,906 |
| Net loans and leases to deposits | 47.9237% | 3,954 |
| Net loans and leases to core deposits | 50.1169% | 3,938 |
| Total domestic deposits to total assets | 90.8100% | 1,314 |
| Equity capital to assets | 8.7143% | 2,398 |
| Core capital (leverage) ratio | 9.2958% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $300,523,000 | 2,469 |
| Average earning assets | $270,083,000 | 2,517 |
| Average equity | $27,447,750 | 2,491 |
| Average total loans | $136,491,750 | 2,770 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8483% | 3,897 |
| Cost of funding earning assets | 0.2186% | 2,657 |
| Net interest margin | 2.6297% | 3,853 |
| Noninterest income to average assets | 0.4459% | 2,477 |
| Noninterest expense to average assets | 1.9351% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6513% | 3,468 |
| Return on assets (ROA) | 0.6513% | 3,417 |
| Pretax return on assets | 0.8439% | 3,223 |
| Return on Equity (ROE) | 7.0186% | 3,308 |
| Retained earnings to average equity (ytd only) | 2.7726% | 3,524 |
| Net charge-offs to loans | -0.1272% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6316% | 2,012 |
| Assets per employee ($millions) | 7.6845% | 1,490 |
| Cash dividends to net income (ytd only)* | 60.4964% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6553% | 83 |
| Loan loss allowance to noncurrent loans | 1,117.6201% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 2,701 |
| Noncurrent loans to loans | 0.3271% | 2,170 |
| Net loans and leases to total assets | 42.9535% | 3,906 |
| Net loans and leases to deposits | 47.3606% | 3,959 |
| Net loans and leases to core deposits | 49.7496% | 3,948 |
| Total domestic deposits to total assets | 90.6946% | 1,381 |
| Equity capital to assets | 8.9187% | 2,431 |
| Core capital (leverage) ratio | 9.3901% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,940,333 | 2,497 |
| Average earning assets | $263,454,333 | 2,583 |
| Average equity | $27,555,333 | 2,547 |
| Average total loans | $135,183,333 | 2,797 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7720% | 3,799 |
| Cost of funding earning assets | 0.2224% | 2,500 |
| Net interest margin | 2.5496% | 3,787 |
| Noninterest income to average assets | 0.4642% | 2,336 |
| Noninterest expense to average assets | 1.9218% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5819% | 3,461 |
| Return on assets (ROA) | 0.5819% | 3,438 |
| Pretax return on assets | 0.7606% | 3,223 |
| Return on Equity (ROE) | 6.1498% | 3,304 |
| Retained earnings to average equity (ytd only) | 6.1498% | 2,196 |
| Net charge-offs to loans | -0.1442% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6448% | 2,020 |
| Assets per employee ($millions) | 7.6619% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6095% | 94 |
| Loan loss allowance to noncurrent loans | 1,303.2258% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 2,940 |
| Noncurrent loans to loans | 0.2770% | 2,480 |
| Net loans and leases to total assets | 43.3260% | 3,790 |
| Net loans and leases to deposits | 47.8794% | 3,874 |
| Net loans and leases to core deposits | 50.2525% | 3,860 |
| Total domestic deposits to total assets | 90.4898% | 1,306 |
| Equity capital to assets | 9.2418% | 2,491 |
| Core capital (leverage) ratio | 9.5386% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,562,500 | 2,518 |
| Average earning assets | $257,139,500 | 2,627 |
| Average equity | $27,968,500 | 2,609 |
| Average total loans | $135,968,000 | 2,786 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3883% | 2,959 |
| Cost of funding earning assets | 0.2554% | 2,863 |
| Net interest margin | 3.1329% | 2,794 |
| Noninterest income to average assets | 0.6971% | 1,775 |
| Noninterest expense to average assets | 2.1888% | 3,122 |
| Loan and lease loss provision to assets | 0.1644% | 715 |
| Net operating income to assets | 0.8090% | 3,309 |
| Return on assets (ROA) | 0.8261% | 3,325 |
| Pretax return on assets | 1.0723% | 3,057 |
| Return on Equity (ROE) | 8.0022% | 3,218 |
| Retained earnings to average equity (ytd only) | 3.5853% | 3,391 |
| Net charge-offs to loans | -0.2072% | 4,712 |
| Credit loss provision to net charge-offs | -149.0066% | 3,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3018% | 2,512 |
| Assets per employee ($millions) | 7.4927% | 1,623 |
| Cash dividends to net income (ytd only)* | 55.1968% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4871% | 100 |
| Loan loss allowance to noncurrent loans | 1,810.9434% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 3,304 |
| Noncurrent loans to loans | 0.1926% | 2,985 |
| Net loans and leases to total assets | 45.4544% | 3,728 |
| Net loans and leases to deposits | 50.4800% | 3,852 |
| Net loans and leases to core deposits | 53.2608% | 3,812 |
| Total domestic deposits to total assets | 90.0443% | 938 |
| Equity capital to assets | 9.6607% | 2,988 |
| Core capital (leverage) ratio | 9.6979% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,709,800 | 2,579 |
| Average earning assets | $236,486,800 | 2,705 |
| Average equity | $28,254,600 | 2,635 |
| Average total loans | $145,778,600 | 2,666 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 2,752 |
| Cost of funding earning assets | 0.2626% | 2,988 |
| Net interest margin | 3.2650% | 2,531 |
| Noninterest income to average assets | 0.7507% | 1,671 |
| Noninterest expense to average assets | 2.1173% | 3,310 |
| Loan and lease loss provision to assets | 0.1981% | 523 |
| Net operating income to assets | 0.9798% | 2,987 |
| Return on assets (ROA) | 1.0029% | 2,959 |
| Pretax return on assets | 1.2918% | 2,643 |
| Return on Equity (ROE) | 9.5489% | 2,907 |
| Retained earnings to average equity (ytd only) | 6.7890% | 2,497 |
| Net charge-offs to loans | -0.2002% | 4,772 |
| Credit loss provision to net charge-offs | -180.1802% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1746% | 3,103 |
| Assets per employee ($millions) | 7.4652% | 1,590 |
| Cash dividends to net income (ytd only)* | 28.9032% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1417% | 136 |
| Loan loss allowance to noncurrent loans | 511.3910% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 2,205 |
| Noncurrent loans to loans | 0.6143% | 1,775 |
| Net loans and leases to total assets | 49.4422% | 3,476 |
| Net loans and leases to deposits | 55.0412% | 3,650 |
| Net loans and leases to core deposits | 57.8012% | 3,643 |
| Total domestic deposits to total assets | 89.8276% | 852 |
| Equity capital to assets | 9.8739% | 3,024 |
| Core capital (leverage) ratio | 9.8519% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,083,750 | 2,628 |
| Average earning assets | $233,012,500 | 2,749 |
| Average equity | $28,260,750 | 2,659 |
| Average total loans | $147,817,500 | 2,694 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 2,186 |
| Cost of funding earning assets | 0.2793% | 2,988 |
| Net interest margin | 3.4775% | 1,927 |
| Noninterest income to average assets | 0.8375% | 1,433 |
| Noninterest expense to average assets | 2.1518% | 3,233 |
| Loan and lease loss provision to assets | 0.1910% | 586 |
| Net operating income to assets | 1.1610% | 2,331 |
| Return on assets (ROA) | 1.1966% | 2,273 |
| Pretax return on assets | 1.5367% | 1,909 |
| Return on Equity (ROE) | 11.1464% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.9825% | 2,439 |
| Net charge-offs to loans | -0.1572% | 4,742 |
| Credit loss provision to net charge-offs | -215.5172% | 3,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1180% | 3,525 |
| Assets per employee ($millions) | 6.9956% | 1,811 |
| Cash dividends to net income (ytd only)* | 37.3563% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0197% | 149 |
| Loan loss allowance to noncurrent loans | 1,038.3529% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 3,222 |
| Noncurrent loans to loans | 0.2908% | 2,885 |
| Net loans and leases to total assets | 51.9465% | 3,347 |
| Net loans and leases to deposits | 58.1393% | 3,533 |
| Net loans and leases to core deposits | 61.1793% | 3,527 |
| Total domestic deposits to total assets | 89.3483% | 1,113 |
| Equity capital to assets | 10.3732% | 2,516 |
| Core capital (leverage) ratio | 10.5847% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,731,000 | 2,668 |
| Average earning assets | $225,563,667 | 2,789 |
| Average equity | $28,098,667 | 2,666 |
| Average total loans | $147,551,333 | 2,711 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 3,149 |
| Cost of funding earning assets | 0.3046% | 2,940 |
| Net interest margin | 3.1114% | 2,952 |
| Noninterest income to average assets | 1.4568% | 637 |
| Noninterest expense to average assets | 2.2187% | 3,047 |
| Loan and lease loss provision to assets | 0.2342% | 476 |
| Net operating income to assets | 1.3200% | 1,759 |
| Return on assets (ROA) | 1.3928% | 1,669 |
| Pretax return on assets | 1.7909% | 1,307 |
| Return on Equity (ROE) | 12.7440% | 1,742 |
| Retained earnings to average equity (ytd only) | 12.7440% | 968 |
| Net charge-offs to loans | -0.1592% | 4,747 |
| Credit loss provision to net charge-offs | -254.2373% | 3,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4411% | 3,858 |
| Assets per employee ($millions) | 6.7009% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9346% | 158 |
| Loan loss allowance to noncurrent loans | 1,377.0227% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 3,579 |
| Noncurrent loans to loans | 0.2131% | 3,344 |
| Net loans and leases to total assets | 53.8533% | 3,258 |
| Net loans and leases to deposits | 60.5432% | 3,443 |
| Net loans and leases to core deposits | 63.7145% | 3,441 |
| Total domestic deposits to total assets | 88.9502% | 1,365 |
| Equity capital to assets | 10.7881% | 2,017 |
| Core capital (leverage) ratio | 11.0354% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,182,000 | 2,699 |
| Average earning assets | $221,895,500 | 2,801 |
| Average equity | $27,997,500 | 2,671 |
| Average total loans | $148,258,000 | 2,713 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 2,534 |
| Cost of funding earning assets | 0.3986% | 3,588 |
| Net interest margin | 3.6654% | 1,927 |
| Noninterest income to average assets | 1.2179% | 752 |
| Noninterest expense to average assets | 2.6128% | 2,506 |
| Loan and lease loss provision to assets | 0.4491% | 622 |
| Net operating income to assets | 1.1220% | 1,827 |
| Return on assets (ROA) | 1.1220% | 1,953 |
| Pretax return on assets | 1.3988% | 1,658 |
| Return on Equity (ROE) | 9.4165% | 2,233 |
| Retained earnings to average equity (ytd only) | 5.1145% | 2,230 |
| Net charge-offs to loans | -0.1125% | 4,830 |
| Credit loss provision to net charge-offs | -599.4152% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5740% | 3,651 |
| Assets per employee ($millions) | 6.6061% | 1,846 |
| Cash dividends to net income (ytd only)* | 45.6853% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6709% | 208 |
| Loan loss allowance to noncurrent loans | 1,040.3599% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 3,502 |
| Noncurrent loans to loans | 0.2567% | 3,272 |
| Net loans and leases to total assets | 58.7488% | 3,007 |
| Net loans and leases to deposits | 66.3214% | 3,240 |
| Net loans and leases to core deposits | 69.6675% | 3,276 |
| Total domestic deposits to total assets | 88.5818% | 1,176 |
| Equity capital to assets | 11.0752% | 2,195 |
| Core capital (leverage) ratio | 10.8677% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,259,400 | 2,730 |
| Average earning assets | $201,940,000 | 2,807 |
| Average equity | $27,197,000 | 2,663 |
| Average total loans | $151,991,000 | 2,649 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 2,441 |
| Cost of funding earning assets | 0.4110% | 3,762 |
| Net interest margin | 3.7713% | 1,704 |
| Noninterest income to average assets | 1.2898% | 654 |
| Noninterest expense to average assets | 2.6341% | 2,437 |
| Loan and lease loss provision to assets | 0.3895% | 928 |
| Net operating income to assets | 1.2472% | 1,496 |
| Return on assets (ROA) | 1.2472% | 1,608 |
| Pretax return on assets | 1.6306% | 1,102 |
| Return on Equity (ROE) | 10.2638% | 1,925 |
| Retained earnings to average equity (ytd only) | 7.5722% | 1,470 |
| Net charge-offs to loans | -0.1297% | 4,865 |
| Credit loss provision to net charge-offs | -439.1892% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5967% | 3,847 |
| Assets per employee ($millions) | 6.5715% | 1,773 |
| Cash dividends to net income (ytd only)* | 26.2248% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2803% | 308 |
| Loan loss allowance to noncurrent loans | 746.2168% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 3,457 |
| Noncurrent loans to loans | 0.3056% | 3,186 |
| Net loans and leases to total assets | 62.6202% | 2,931 |
| Net loans and leases to deposits | 70.8787% | 3,228 |
| Net loans and leases to core deposits | 72.9135% | 3,402 |
| Total domestic deposits to total assets | 88.3485% | 1,035 |
| Equity capital to assets | 11.1962% | 2,233 |
| Core capital (leverage) ratio | 11.5337% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,566,750 | 2,759 |
| Average earning assets | $198,549,750 | 2,819 |
| Average equity | $27,045,750 | 2,665 |
| Average total loans | $152,107,750 | 2,650 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 2,400 |
| Cost of funding earning assets | 0.4377% | 3,857 |
| Net interest margin | 3.8898% | 1,596 |
| Noninterest income to average assets | 1.4182% | 523 |
| Noninterest expense to average assets | 2.7398% | 2,254 |
| Loan and lease loss provision to assets | 0.3513% | 1,202 |
| Net operating income to assets | 1.4107% | 1,088 |
| Return on assets (ROA) | 1.4107% | 1,180 |
| Pretax return on assets | 1.8397% | 756 |
| Return on Equity (ROE) | 11.2635% | 1,554 |
| Retained earnings to average equity (ytd only) | 7.1799% | 1,581 |
| Net charge-offs to loans | -0.1271% | 4,885 |
| Credit loss provision to net charge-offs | -394.7368% | 3,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5661% | 3,997 |
| Assets per employee ($millions) | 5.9839% | 2,194 |
| Cash dividends to net income (ytd only)* | 36.2550% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 380 |
| Loan loss allowance to noncurrent loans | 759.7254% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 3,572 |
| Noncurrent loans to loans | 0.2755% | 3,396 |
| Net loans and leases to total assets | 68.2853% | 2,304 |
| Net loans and leases to deposits | 78.1233% | 2,638 |
| Net loans and leases to core deposits | 80.1493% | 2,937 |
| Total domestic deposits to total assets | 87.4071% | 1,447 |
| Equity capital to assets | 12.0410% | 1,634 |
| Core capital (leverage) ratio | 12.3609% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,516,333 | 2,808 |
| Average earning assets | $192,812,667 | 2,849 |
| Average equity | $26,741,333 | 2,668 |
| Average total loans | $149,469,333 | 2,660 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 2,086 |
| Cost of funding earning assets | 0.4693% | 4,072 |
| Net interest margin | 4.1039% | 1,127 |
| Noninterest income to average assets | 0.7184% | 1,576 |
| Noninterest expense to average assets | 2.6237% | 2,910 |
| Loan and lease loss provision to assets | 0.2904% | 1,068 |
| Net operating income to assets | 1.1676% | 1,626 |
| Return on assets (ROA) | 1.1676% | 1,739 |
| Pretax return on assets | 1.5297% | 1,231 |
| Return on Equity (ROE) | 9.1288% | 2,058 |
| Retained earnings to average equity (ytd only) | 9.1288% | 939 |
| Net charge-offs to loans | -0.0939% | 4,801 |
| Credit loss provision to net charge-offs | -441.1765% | 3,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0414% | 3,864 |
| Assets per employee ($millions) | 5.4827% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 421 |
| Loan loss allowance to noncurrent loans | 630.7692% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 3,542 |
| Noncurrent loans to loans | 0.3358% | 3,292 |
| Net loans and leases to total assets | 67.2946% | 2,648 |
| Net loans and leases to deposits | 77.4855% | 2,933 |
| Net loans and leases to core deposits | 80.0172% | 3,193 |
| Total domestic deposits to total assets | 86.8481% | 1,623 |
| Equity capital to assets | 12.7694% | 1,569 |
| Core capital (leverage) ratio | 12.7752% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,579,500 | 2,818 |
| Average earning assets | $187,530,000 | 2,852 |
| Average equity | $26,422,000 | 2,684 |
| Average total loans | $144,907,000 | 2,681 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 1,808 |
| Cost of funding earning assets | 0.4078% | 4,418 |
| Net interest margin | 4.4735% | 755 |
| Noninterest income to average assets | 0.6604% | 1,961 |
| Noninterest expense to average assets | 2.8046% | 2,584 |
| Loan and lease loss provision to assets | 0.2841% | 608 |
| Net operating income to assets | 1.3029% | 1,683 |
| Return on assets (ROA) | 1.3029% | 1,758 |
| Pretax return on assets | 1.6398% | 1,366 |
| Return on Equity (ROE) | 10.2531% | 2,183 |
| Retained earnings to average equity (ytd only) | 5.8169% | 1,971 |
| Net charge-offs to loans | 0.0340% | 2,704 |
| Credit loss provision to net charge-offs | 1,140.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 77.2000% | 813 |
| Efficiency ratio | 59.3127% | 3,791 |
| Assets per employee ($millions) | 5.3899% | 2,162 |
| Cash dividends to net income (ytd only)* | 43.2670% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9451% | 506 |
| Loan loss allowance to noncurrent loans | 693.6740% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 3,665 |
| Noncurrent loans to loans | 0.2804% | 3,439 |
| Net loans and leases to total assets | 70.1729% | 2,374 |
| Net loans and leases to deposits | 80.8171% | 2,681 |
| Net loans and leases to core deposits | 83.9752% | 2,952 |
| Total domestic deposits to total assets | 86.8292% | 1,700 |
| Equity capital to assets | 12.8114% | 1,634 |
| Core capital (leverage) ratio | 12.6664% | 1,396 |
| Tier 1 risk-based capital ratio | 16.5992% | 2,186 |
| Total risk-based capital ratio | 17.8564% | 2,118 |
| Memoranda: | ||
| Average total assets | $200,631,200 | 2,838 |
| Average earning assets | $182,451,400 | 2,861 |
| Average equity | $25,494,800 | 2,683 |
| Average total loans | $147,069,000 | 2,653 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 1,843 |
| Cost of funding earning assets | 0.3896% | 4,534 |
| Net interest margin | 4.5030% | 757 |
| Noninterest income to average assets | 0.6580% | 1,954 |
| Noninterest expense to average assets | 2.7089% | 2,844 |
| Loan and lease loss provision to assets | 0.2806% | 540 |
| Net operating income to assets | 1.3053% | 1,836 |
| Return on assets (ROA) | 1.3053% | 1,920 |
| Pretax return on assets | 1.7683% | 1,163 |
| Return on Equity (ROE) | 10.2941% | 2,307 |
| Retained earnings to average equity (ytd only) | 7.4176% | 1,665 |
| Net charge-offs to loans | 0.0317% | 2,439 |
| Credit loss provision to net charge-offs | 1,200.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 87.6201% | 810 |
| Efficiency ratio | 56.9363% | 4,072 |
| Assets per employee ($millions) | 5.7349% | 1,813 |
| Cash dividends to net income (ytd only)* | 27.9426% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 629 |
| Loan loss allowance to noncurrent loans | 648.2100% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 3,793 |
| Noncurrent loans to loans | 0.2830% | 3,523 |
| Net loans and leases to total assets | 66.6918% | 2,960 |
| Net loans and leases to deposits | 76.2153% | 3,273 |
| Net loans and leases to core deposits | 78.2312% | 3,532 |
| Total domestic deposits to total assets | 87.5044% | 1,252 |
| Equity capital to assets | 12.0037% | 2,257 |
| Core capital (leverage) ratio | 12.4640% | 1,591 |
| Tier 1 risk-based capital ratio | 13.4259% | 3,617 |
| Total risk-based capital ratio | 14.6780% | 3,519 |
| Memoranda: | ||
| Average total assets | $199,584,750 | 2,865 |
| Average earning assets | $181,710,250 | 2,886 |
| Average equity | $25,308,500 | 2,703 |
| Average total loans | $147,192,000 | 2,674 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9962% | 1,495 |
| Cost of funding earning assets | 0.3760% | 4,599 |
| Net interest margin | 4.6202% | 592 |
| Noninterest income to average assets | 0.6316% | 2,018 |
| Noninterest expense to average assets | 2.7632% | 2,710 |
| Loan and lease loss provision to assets | 0.2791% | 523 |
| Net operating income to assets | 1.3149% | 1,720 |
| Return on assets (ROA) | 1.3149% | 1,780 |
| Pretax return on assets | 1.7811% | 1,084 |
| Return on Equity (ROE) | 10.1658% | 2,312 |
| Retained earnings to average equity (ytd only) | 5.8022% | 2,367 |
| Net charge-offs to loans | 0.0667% | 1,702 |
| Credit loss provision to net charge-offs | 551.0204% | 558 |
| Earnings coverage of net charge-offs (x) | 40.6735% | 1,233 |
| Efficiency ratio | 57.2868% | 4,099 |
| Assets per employee ($millions) | 4.8140% | 2,726 |
| Cash dividends to net income (ytd only)* | 42.9245% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 788 |
| Loan loss allowance to noncurrent loans | 601.8868% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 3,714 |
| Noncurrent loans to loans | 0.2853% | 3,512 |
| Net loans and leases to total assets | 73.9928% | 1,892 |
| Net loans and leases to deposits | 85.4151% | 2,324 |
| Net loans and leases to core deposits | 87.7397% | 2,825 |
| Total domestic deposits to total assets | 86.6273% | 1,761 |
| Equity capital to assets | 12.8944% | 1,641 |
| Core capital (leverage) ratio | 12.9269% | 1,334 |
| Tier 1 risk-based capital ratio | 14.7554% | 2,938 |
| Total risk-based capital ratio | 16.0082% | 2,869 |
| Memoranda: | ||
| Average total assets | $193,471,330 | 2,926 |
| Average earning assets | $175,532,000 | 2,967 |
| Average equity | $25,025,000 | 2,719 |
| Average total loans | $146,904,670 | 2,691 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 1,389 |
| Cost of funding earning assets | 0.3512% | 4,677 |
| Net interest margin | 4.6279% | 575 |
| Noninterest income to average assets | 0.5576% | 2,239 |
| Noninterest expense to average assets | 2.7506% | 2,741 |
| Loan and lease loss provision to assets | 0.2506% | 581 |
| Net operating income to assets | 1.2907% | 1,727 |
| Return on assets (ROA) | 1.2907% | 1,769 |
| Pretax return on assets | 1.7398% | 1,117 |
| Return on Equity (ROE) | 9.9627% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.9627% | 1,042 |
| Net charge-offs to loans | -0.3505% | 5,237 |
| Credit loss provision to net charge-offs | -93.7500% | 3,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0176% | 4,072 |
| Assets per employee ($millions) | 5.1413% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7634% | 754 |
| Loan loss allowance to noncurrent loans | 1,210.7981% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 4,261 |
| Noncurrent loans to loans | 0.1456% | 4,082 |
| Net loans and leases to total assets | 73.5408% | 1,892 |
| Net loans and leases to deposits | 84.8156% | 2,282 |
| Net loans and leases to core deposits | 86.5325% | 2,824 |
| Total domestic deposits to total assets | 86.7067% | 1,958 |
| Equity capital to assets | 12.8905% | 1,515 |
| Core capital (leverage) ratio | 13.1020% | 1,223 |
| Tier 1 risk-based capital ratio | 14.9728% | 2,901 |
| Total risk-based capital ratio | 16.2263% | 2,825 |
| Memoranda: | ||
| Average total assets | $191,521,000 | 2,982 |
| Average earning assets | $173,123,500 | 3,024 |
| Average equity | $24,812,500 | 2,734 |
| Average total loans | $146,060,500 | 2,731 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 1,299 |
| Cost of funding earning assets | 0.2671% | 4,726 |
| Net interest margin | 4.6287% | 566 |
| Noninterest income to average assets | 0.6281% | 2,157 |
| Noninterest expense to average assets | 3.5955% | 879 |
| Loan and lease loss provision to assets | 0.0746% | 2,639 |
| Net operating income to assets | 0.6075% | 4,393 |
| Return on assets (ROA) | 0.6075% | 4,403 |
| Pretax return on assets | 1.0446% | 3,457 |
| Return on Equity (ROE) | 4.8939% | 4,479 |
| Retained earnings to average equity (ytd only) | 0.5267% | 4,844 |
| Net charge-offs to loans | 0.0918% | 1,858 |
| Credit loss provision to net charge-offs | 108.2090% | 2,371 |
| Earnings coverage of net charge-offs (x) | 16.2239% | 2,264 |
| Efficiency ratio | 76.2612% | 1,324 |
| Assets per employee ($millions) | 4.9388% | 2,574 |
| Cash dividends to net income (ytd only)* | 89.2373% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 1,035 |
| Loan loss allowance to noncurrent loans | 372.9600% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,219 |
| Noncurrent loans to loans | 0.4285% | 3,005 |
| Net loans and leases to total assets | 76.4814% | 1,523 |
| Net loans and leases to deposits | 88.2277% | 2,018 |
| Net loans and leases to core deposits | 90.1024% | 2,569 |
| Total domestic deposits to total assets | 86.6864% | 1,927 |
| Equity capital to assets | 13.0232% | 1,333 |
| Core capital (leverage) ratio | 12.7611% | 1,336 |
| Tier 1 risk-based capital ratio | 15.2146% | 2,731 |
| Total risk-based capital ratio | 16.4671% | 2,667 |
| Memoranda: | ||
| Average total assets | $194,243,800 | 2,922 |
| Average earning assets | $171,494,400 | 3,007 |
| Average equity | $24,111,800 | 2,719 |
| Average total loans | $146,029,000 | 2,694 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 1,397 |
| Cost of funding earning assets | 0.2537% | 4,766 |
| Net interest margin | 4.5580% | 650 |
| Noninterest income to average assets | 0.6310% | 2,161 |
| Noninterest expense to average assets | 2.7246% | 2,901 |
| Loan and lease loss provision to assets | 0.1225% | 1,642 |
| Net operating income to assets | 1.3599% | 1,618 |
| Return on assets (ROA) | 1.3599% | 1,627 |
| Pretax return on assets | 1.7826% | 1,054 |
| Return on Equity (ROE) | 11.0861% | 2,143 |
| Retained earnings to average equity (ytd only) | 8.2730% | 1,525 |
| Net charge-offs to loans | 0.0794% | 1,725 |
| Credit loss provision to net charge-offs | 206.8966% | 1,342 |
| Earnings coverage of net charge-offs (x) | 32.1716% | 1,549 |
| Efficiency ratio | 58.8503% | 3,984 |
| Assets per employee ($millions) | 5.5302% | 1,887 |
| Cash dividends to net income (ytd only)* | 25.3753% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 1,012 |
| Loan loss allowance to noncurrent loans | 259.1837% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 2,870 |
| Noncurrent loans to loans | 0.6286% | 2,511 |
| Net loans and leases to total assets | 71.2033% | 2,461 |
| Net loans and leases to deposits | 81.9804% | 2,818 |
| Net loans and leases to core deposits | 83.2233% | 3,225 |
| Total domestic deposits to total assets | 86.8540% | 1,797 |
| Equity capital to assets | 12.0620% | 1,869 |
| Core capital (leverage) ratio | 13.0224% | 1,272 |
| Tier 1 risk-based capital ratio | 14.7536% | 2,992 |
| Total risk-based capital ratio | 16.0051% | 2,913 |
| Memoranda: | ||
| Average total assets | $195,886,500 | 2,935 |
| Average earning assets | $171,856,250 | 3,032 |
| Average equity | $24,029,500 | 2,736 |
| Average total loans | $146,040,000 | 2,704 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 1,191 |
| Cost of funding earning assets | 0.2484% | 4,752 |
| Net interest margin | 4.5756% | 588 |
| Noninterest income to average assets | 0.6198% | 2,227 |
| Noninterest expense to average assets | 2.7724% | 2,752 |
| Loan and lease loss provision to assets | 0.1244% | 1,592 |
| Net operating income to assets | 1.3162% | 1,712 |
| Return on assets (ROA) | 1.3162% | 1,711 |
| Pretax return on assets | 1.6945% | 1,225 |
| Return on Equity (ROE) | 10.6667% | 2,246 |
| Retained earnings to average equity (ytd only) | 6.4084% | 2,357 |
| Net charge-offs to loans | -0.0784% | 5,076 |
| Credit loss provision to net charge-offs | -210.5263% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3837% | 3,884 |
| Assets per employee ($millions) | 5.0612% | 2,335 |
| Cash dividends to net income (ytd only)* | 39.9213% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 871 |
| Loan loss allowance to noncurrent loans | 236.4583% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 2,532 |
| Noncurrent loans to loans | 0.7281% | 2,289 |
| Net loans and leases to total assets | 74.1120% | 1,932 |
| Net loans and leases to deposits | 85.7035% | 2,350 |
| Net loans and leases to core deposits | 86.8661% | 2,837 |
| Total domestic deposits to total assets | 86.4750% | 2,067 |
| Equity capital to assets | 12.4971% | 1,533 |
| Core capital (leverage) ratio | 12.9663% | 1,231 |
| Tier 1 risk-based capital ratio | 16.4711% | 2,267 |
| Total risk-based capital ratio | 17.7257% | 2,211 |
| Memoranda: | ||
| Average total assets | $192,976,330 | 2,973 |
| Average earning assets | $167,498,330 | 3,094 |
| Average equity | $23,812,330 | 2,768 |
| Average total loans | $145,351,000 | 2,727 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 1,069 |
| Cost of funding earning assets | 0.2426% | 4,756 |
| Net interest margin | 4.5656% | 541 |
| Noninterest income to average assets | 0.5732% | 2,401 |
| Noninterest expense to average assets | 2.7936% | 2,710 |
| Loan and lease loss provision to assets | 0.1242% | 1,515 |
| Net operating income to assets | 1.2374% | 1,858 |
| Return on assets (ROA) | 1.2374% | 1,868 |
| Pretax return on assets | 1.5499% | 1,525 |
| Return on Equity (ROE) | 10.0924% | 2,381 |
| Retained earnings to average equity (ytd only) | 10.0924% | 1,132 |
| Net charge-offs to loans | -0.0385% | 4,852 |
| Credit loss provision to net charge-offs | -428.5714% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5289% | 3,702 |
| Assets per employee ($millions) | 5.1036% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 1,047 |
| Loan loss allowance to noncurrent loans | 201.6849% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 2,318 |
| Noncurrent loans to loans | 0.8200% | 2,177 |
| Net loans and leases to total assets | 73.4086% | 1,964 |
| Net loans and leases to deposits | 84.7224% | 2,317 |
| Net loans and leases to core deposits | 85.7037% | 2,831 |
| Total domestic deposits to total assets | 86.6460% | 2,258 |
| Equity capital to assets | 12.3119% | 1,593 |
| Core capital (leverage) ratio | 12.8795% | 1,219 |
| Tier 1 risk-based capital ratio | 16.4968% | 2,274 |
| Total risk-based capital ratio | 17.7509% | 2,229 |
| Memoranda: | ||
| Average total assets | $193,302,000 | 2,997 |
| Average earning assets | $164,887,000 | 3,149 |
| Average equity | $23,701,000 | 2,800 |
| Average total loans | $145,510,000 | 2,741 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8427% | 902 |
| Cost of funding earning assets | 0.2365% | 4,674 |
| Net interest margin | 4.6062% | 497 |
| Noninterest income to average assets | 0.6531% | 2,182 |
| Noninterest expense to average assets | 2.7527% | 2,947 |
| Loan and lease loss provision to assets | 0.1566% | 1,434 |
| Net operating income to assets | 1.1574% | 1,655 |
| Return on assets (ROA) | 1.1574% | 1,685 |
| Pretax return on assets | 1.6387% | 1,195 |
| Return on Equity (ROE) | 9.6071% | 2,051 |
| Retained earnings to average equity (ytd only) | 5.2130% | 1,993 |
| Net charge-offs to loans | 0.2564% | 1,021 |
| Credit loss provision to net charge-offs | 82.8729% | 2,900 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,775 |
| Efficiency ratio | 60.5257% | 4,181 |
| Assets per employee ($millions) | 4.9402% | 2,554 |
| Cash dividends to net income (ytd only)* | 45.7375% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 1,168 |
| Loan loss allowance to noncurrent loans | 189.8527% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 2,262 |
| Noncurrent loans to loans | 0.8355% | 2,135 |
| Net loans and leases to total assets | 74.7090% | 1,807 |
| Net loans and leases to deposits | 86.0058% | 2,260 |
| Net loans and leases to core deposits | 87.0281% | 2,821 |
| Total domestic deposits to total assets | 86.8650% | 2,060 |
| Equity capital to assets | 12.2101% | 1,694 |
| Core capital (leverage) ratio | 11.6292% | 1,847 |
| Tier 1 risk-based capital ratio | 14.7952% | 2,934 |
| Total risk-based capital ratio | 16.0487% | 2,874 |
| Memoranda: | ||
| Average total assets | $191,554,400 | 3,001 |
| Average earning assets | $161,976,800 | 3,173 |
| Average equity | $23,076,800 | 2,855 |
| Average total loans | $141,207,200 | 2,761 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 871 |
| Cost of funding earning assets | 0.2361% | 4,689 |
| Net interest margin | 4.5941% | 491 |
| Noninterest income to average assets | 0.6754% | 2,105 |
| Noninterest expense to average assets | 2.6586% | 3,211 |
| Loan and lease loss provision to assets | 0.1568% | 1,316 |
| Net operating income to assets | 1.2192% | 1,614 |
| Return on assets (ROA) | 1.2192% | 1,642 |
| Pretax return on assets | 1.7252% | 1,060 |
| Return on Equity (ROE) | 10.1544% | 2,054 |
| Retained earnings to average equity (ytd only) | 7.4373% | 1,469 |
| Net charge-offs to loans | -0.1258% | 5,441 |
| Credit loss provision to net charge-offs | -170.4545% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5508% | 4,423 |
| Assets per employee ($millions) | 5.0804% | 2,351 |
| Cash dividends to net income (ytd only)* | 26.7580% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9040% | 695 |
| Loan loss allowance to noncurrent loans | 183.2107% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 2,247 |
| Noncurrent loans to loans | 1.0392% | 1,862 |
| Net loans and leases to total assets | 67.7481% | 2,878 |
| Net loans and leases to deposits | 77.2603% | 3,248 |
| Net loans and leases to core deposits | 78.0121% | 3,633 |
| Total domestic deposits to total assets | 87.6881% | 1,519 |
| Equity capital to assets | 11.3632% | 2,503 |
| Core capital (leverage) ratio | 12.3085% | 1,510 |
| Tier 1 risk-based capital ratio | 16.0714% | 2,472 |
| Total risk-based capital ratio | 17.3285% | 2,408 |
| Memoranda: | ||
| Average total assets | $191,275,750 | 3,034 |
| Average earning assets | $160,927,000 | 3,215 |
| Average equity | $22,964,750 | 2,883 |
| Average total loans | $139,943,750 | 2,799 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 828 |
| Cost of funding earning assets | 0.2312% | 4,706 |
| Net interest margin | 4.5898% | 483 |
| Noninterest income to average assets | 0.7037% | 1,972 |
| Noninterest expense to average assets | 2.7209% | 3,009 |
| Loan and lease loss provision to assets | 0.1616% | 1,237 |
| Net operating income to assets | 1.2532% | 1,429 |
| Return on assets (ROA) | 1.2532% | 1,452 |
| Pretax return on assets | 1.7791% | 880 |
| Return on Equity (ROE) | 10.2332% | 1,943 |
| Retained earnings to average equity (ytd only) | 6.1153% | 2,049 |
| Net charge-offs to loans | -0.2308% | 5,602 |
| Credit loss provision to net charge-offs | -93.7500% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3680% | 4,549 |
| Assets per employee ($millions) | 4.6160% | 2,918 |
| Cash dividends to net income (ytd only)* | 40.2408% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9140% | 707 |
| Loan loss allowance to noncurrent loans | 201.4970% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7440% | 2,335 |
| Noncurrent loans to loans | 0.9499% | 2,057 |
| Net loans and leases to total assets | 72.8923% | 2,061 |
| Net loans and leases to deposits | 84.0111% | 2,472 |
| Net loans and leases to core deposits | 85.0517% | 2,967 |
| Total domestic deposits to total assets | 86.7650% | 2,058 |
| Equity capital to assets | 12.2078% | 1,782 |
| Core capital (leverage) ratio | 12.7981% | 1,258 |
| Tier 1 risk-based capital ratio | 16.5951% | 2,282 |
| Total risk-based capital ratio | 17.8527% | 2,230 |
| Memoranda: | ||
| Average total assets | $185,602,670 | 3,099 |
| Average earning assets | $160,052,000 | 3,243 |
| Average equity | $22,730,000 | 2,909 |
| Average total loans | $138,640,000 | 2,826 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 705 |
| Cost of funding earning assets | 0.2309% | 4,708 |
| Net interest margin | 4.6009% | 445 |
| Noninterest income to average assets | 0.7313% | 1,820 |
| Noninterest expense to average assets | 2.7011% | 3,135 |
| Loan and lease loss provision to assets | 0.1632% | 1,100 |
| Net operating income to assets | 1.3081% | 1,214 |
| Return on assets (ROA) | 1.3081% | 1,249 |
| Pretax return on assets | 1.8566% | 708 |
| Return on Equity (ROE) | 10.6641% | 1,682 |
| Retained earnings to average equity (ytd only) | 10.6641% | 666 |
| Net charge-offs to loans | -0.4650% | 5,737 |
| Credit loss provision to net charge-offs | -46.8750% | 3,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2153% | 4,809 |
| Assets per employee ($millions) | 4.6311% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 785 |
| Loan loss allowance to noncurrent loans | 196.3241% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 2,310 |
| Noncurrent loans to loans | 0.9706% | 2,107 |
| Net loans and leases to total assets | 72.7272% | 1,957 |
| Net loans and leases to deposits | 84.0720% | 2,278 |
| Net loans and leases to core deposits | 85.1394% | 2,797 |
| Total domestic deposits to total assets | 86.5058% | 2,437 |
| Equity capital to assets | 12.3378% | 1,638 |
| Core capital (leverage) ratio | 12.8702% | 1,198 |
| Tier 1 risk-based capital ratio | 16.9007% | 2,214 |
| Total risk-based capital ratio | 18.1579% | 2,172 |
| Memoranda: | ||
| Average total assets | $183,776,000 | 3,145 |
| Average earning assets | $159,358,500 | 3,280 |
| Average equity | $22,543,000 | 2,941 |
| Average total loans | $137,637,500 | 2,855 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 808 |
| Cost of funding earning assets | 0.2286% | 4,752 |
| Net interest margin | 4.6167% | 494 |
| Noninterest income to average assets | 0.7296% | 2,037 |
| Noninterest expense to average assets | 2.7892% | 3,061 |
| Loan and lease loss provision to assets | 0.0821% | 2,717 |
| Net operating income to assets | 1.3607% | 1,077 |
| Return on assets (ROA) | 1.3607% | 1,125 |
| Pretax return on assets | 1.9255% | 589 |
| Return on Equity (ROE) | 11.3588% | 1,447 |
| Retained earnings to average equity (ytd only) | 7.0867% | 1,196 |
| Net charge-offs to loans | 0.3580% | 762 |
| Credit loss provision to net charge-offs | 30.6122% | 3,586 |
| Earnings coverage of net charge-offs (x) | 7.4857% | 3,012 |
| Efficiency ratio | 58.1470% | 4,829 |
| Assets per employee ($millions) | 4.5577% | 3,032 |
| Cash dividends to net income (ytd only)* | 37.6106% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 1,090 |
| Loan loss allowance to noncurrent loans | 225.5682% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 1,986 |
| Noncurrent loans to loans | 0.7656% | 2,625 |
| Net loans and leases to total assets | 74.3540% | 1,787 |
| Net loans and leases to deposits | 85.7269% | 2,217 |
| Net loans and leases to core deposits | 86.8296% | 2,781 |
| Total domestic deposits to total assets | 86.7335% | 2,271 |
| Equity capital to assets | 12.1941% | 1,688 |
| Core capital (leverage) ratio | 12.4081% | 1,381 |
| Tier 1 risk-based capital ratio | 17.0227% | 2,152 |
| Total risk-based capital ratio | 18.2793% | 2,103 |
| Memoranda: | ||
| Average total assets | $182,703,400 | 3,137 |
| Average earning assets | $160,958,600 | 3,225 |
| Average equity | $21,886,200 | 2,993 |
| Average total loans | $136,871,400 | 2,816 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 883 |
| Cost of funding earning assets | 0.2266% | 4,818 |
| Net interest margin | 4.5807% | 526 |
| Noninterest income to average assets | 0.7352% | 2,023 |
| Noninterest expense to average assets | 2.7300% | 3,252 |
| Loan and lease loss provision to assets | 0.0547% | 3,167 |
| Net operating income to assets | 1.4121% | 1,049 |
| Return on assets (ROA) | 1.4121% | 1,096 |
| Pretax return on assets | 1.9904% | 581 |
| Return on Equity (ROE) | 11.8407% | 1,376 |
| Retained earnings to average equity (ytd only) | 9.2169% | 753 |
| Net charge-offs to loans | 0.0195% | 3,310 |
| Credit loss provision to net charge-offs | 375.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 140.1789% | 495 |
| Efficiency ratio | 57.1712% | 4,934 |
| Assets per employee ($millions) | 5.1499% | 2,190 |
| Cash dividends to net income (ytd only)* | 22.1592% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 733 |
| Loan loss allowance to noncurrent loans | 204.0411% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 2,749 |
| Noncurrent loans to loans | 0.9786% | 2,283 |
| Net loans and leases to total assets | 67.8643% | 2,818 |
| Net loans and leases to deposits | 77.3905% | 3,256 |
| Net loans and leases to core deposits | 78.3023% | 3,633 |
| Total domestic deposits to total assets | 87.6907% | 1,560 |
| Equity capital to assets | 11.2568% | 2,737 |
| Core capital (leverage) ratio | 12.2153% | 1,533 |
| Tier 1 risk-based capital ratio | 16.6492% | 2,358 |
| Total risk-based capital ratio | 17.9087% | 2,303 |
| Memoranda: | ||
| Average total assets | $182,802,000 | 3,144 |
| Average earning assets | $161,223,000 | 3,231 |
| Average equity | $21,800,000 | 3,026 |
| Average total loans | $136,605,250 | 2,828 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 854 |
| Cost of funding earning assets | 0.2238% | 4,902 |
| Net interest margin | 4.5946% | 516 |
| Noninterest income to average assets | 0.7240% | 2,032 |
| Noninterest expense to average assets | 2.8203% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4616% | 955 |
| Return on assets (ROA) | 1.4616% | 1,003 |
| Pretax return on assets | 2.0612% | 509 |
| Return on Equity (ROE) | 12.0017% | 1,322 |
| Retained earnings to average equity (ytd only) | 8.0166% | 1,165 |
| Net charge-offs to loans | 0.0074% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 364.4000% | 191 |
| Efficiency ratio | 57.7752% | 4,932 |
| Assets per employee ($millions) | 4.5685% | 2,913 |
| Cash dividends to net income (ytd only)* | 33.2043% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 789 |
| Loan loss allowance to noncurrent loans | 327.2289% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 3,453 |
| Noncurrent loans to loans | 0.6013% | 3,261 |
| Net loans and leases to total assets | 75.9439% | 1,498 |
| Net loans and leases to deposits | 87.8722% | 2,014 |
| Net loans and leases to core deposits | 89.0590% | 2,634 |
| Total domestic deposits to total assets | 86.4254% | 2,203 |
| Equity capital to assets | 12.3746% | 1,850 |
| Core capital (leverage) ratio | 12.6974% | 1,267 |
| Tier 1 risk-based capital ratio | 16.8980% | 2,257 |
| Total risk-based capital ratio | 18.1580% | 2,209 |
| Memoranda: | ||
| Average total assets | $176,786,670 | 3,231 |
| Average earning assets | $159,970,000 | 3,267 |
| Average equity | $21,530,330 | 3,050 |
| Average total loans | $135,780,000 | 2,848 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 877 |
| Cost of funding earning assets | 0.2277% | 4,926 |
| Net interest margin | 4.5609% | 538 |
| Noninterest income to average assets | 0.7064% | 2,017 |
| Noninterest expense to average assets | 2.7735% | 3,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4697% | 906 |
| Return on assets (ROA) | 1.4697% | 947 |
| Pretax return on assets | 2.0739% | 489 |
| Return on Equity (ROE) | 12.1665% | 1,269 |
| Retained earnings to average equity (ytd only) | 12.1665% | 486 |
| Net charge-offs to loans | -0.0089% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2165% | 5,077 |
| Assets per employee ($millions) | 4.5476% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0220% | 786 |
| Loan loss allowance to noncurrent loans | 289.8936% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 3,288 |
| Noncurrent loans to loans | 0.6975% | 3,100 |
| Net loans and leases to total assets | 74.4496% | 1,657 |
| Net loans and leases to deposits | 86.0195% | 2,061 |
| Net loans and leases to core deposits | 87.2161% | 2,639 |
| Total domestic deposits to total assets | 86.5496% | 2,422 |
| Equity capital to assets | 12.2038% | 1,892 |
| Core capital (leverage) ratio | 12.5748% | 1,307 |
| Tier 1 risk-based capital ratio | 16.8968% | 2,323 |
| Total risk-based capital ratio | 18.1568% | 2,270 |
| Memoranda: | ||
| Average total assets | $176,094,500 | 3,247 |
| Average earning assets | $159,880,000 | 3,287 |
| Average equity | $21,271,500 | 3,080 |
| Average total loans | $134,657,000 | 2,866 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 827 |
| Cost of funding earning assets | 0.2590% | 4,697 |
| Net interest margin | 4.6102% | 537 |
| Noninterest income to average assets | 0.7130% | 2,140 |
| Noninterest expense to average assets | 2.8812% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3554% | 1,133 |
| Return on assets (ROA) | 1.3554% | 1,175 |
| Pretax return on assets | 1.9483% | 603 |
| Return on Equity (ROE) | 11.6396% | 1,394 |
| Retained earnings to average equity (ytd only) | 7.8347% | 965 |
| Net charge-offs to loans | -0.0213% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6580% | 4,952 |
| Assets per employee ($millions) | 4.2642% | 3,459 |
| Cash dividends to net income (ytd only)* | 32.6891% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0231% | 770 |
| Loan loss allowance to noncurrent loans | 287.4340% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 3,269 |
| Noncurrent loans to loans | 0.7038% | 3,084 |
| Net loans and leases to total assets | 75.4012% | 1,509 |
| Net loans and leases to deposits | 86.8014% | 2,030 |
| Net loans and leases to core deposits | 87.9985% | 2,604 |
| Total domestic deposits to total assets | 86.8664% | 2,209 |
| Equity capital to assets | 11.9536% | 1,987 |
| Core capital (leverage) ratio | 12.1919% | 1,505 |
| Tier 1 risk-based capital ratio | 16.5537% | 2,453 |
| Total risk-based capital ratio | 17.8144% | 2,404 |
| Memoranda: | ||
| Average total assets | $175,589,400 | 3,223 |
| Average earning assets | $156,781,800 | 3,301 |
| Average equity | $20,447,400 | 3,128 |
| Average total loans | $126,971,000 | 2,933 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 845 |
| Cost of funding earning assets | 0.2656% | 4,718 |
| Net interest margin | 4.5897% | 557 |
| Noninterest income to average assets | 0.7221% | 2,140 |
| Noninterest expense to average assets | 2.7610% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4313% | 1,047 |
| Return on assets (ROA) | 1.4313% | 1,095 |
| Pretax return on assets | 2.0374% | 559 |
| Return on Equity (ROE) | 12.3728% | 1,276 |
| Retained earnings to average equity (ytd only) | 10.0844% | 623 |
| Net charge-offs to loans | -0.0117% | 5,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5403% | 5,176 |
| Assets per employee ($millions) | 4.5420% | 2,936 |
| Cash dividends to net income (ytd only)* | 18.4949% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1151% | 751 |
| Loan loss allowance to noncurrent loans | 221.9852% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7727% | 2,963 |
| Noncurrent loans to loans | 0.9528% | 2,595 |
| Net loans and leases to total assets | 65.6464% | 3,068 |
| Net loans and leases to deposits | 74.6704% | 3,459 |
| Net loans and leases to core deposits | 75.5361% | 3,850 |
| Total domestic deposits to total assets | 87.9148% | 1,608 |
| Equity capital to assets | 11.0446% | 2,966 |
| Core capital (leverage) ratio | 11.9763% | 1,687 |
| Tier 1 risk-based capital ratio | 16.5484% | 2,548 |
| Total risk-based capital ratio | 17.8089% | 2,502 |
| Memoranda: | ||
| Average total assets | $175,778,250 | 3,252 |
| Average earning assets | $156,113,000 | 3,342 |
| Average equity | $20,334,500 | 3,173 |
| Average total loans | $125,076,500 | 2,990 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 704 |
| Cost of funding earning assets | 0.2725% | 4,689 |
| Net interest margin | 4.6448% | 481 |
| Noninterest income to average assets | 0.7507% | 1,987 |
| Noninterest expense to average assets | 2.8024% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5177% | 872 |
| Return on assets (ROA) | 1.5177% | 912 |
| Pretax return on assets | 2.1396% | 460 |
| Return on Equity (ROE) | 12.9022% | 1,136 |
| Retained earnings to average equity (ytd only) | 9.4277% | 796 |
| Net charge-offs to loans | -0.2127% | 6,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7062% | 5,363 |
| Assets per employee ($millions) | 4.0252% | 3,836 |
| Cash dividends to net income (ytd only)* | 26.9290% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2802% | 650 |
| Loan loss allowance to noncurrent loans | 134.7474% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 1,666 |
| Noncurrent loans to loans | 1.6922% | 1,529 |
| Net loans and leases to total assets | 71.6643% | 2,050 |
| Net loans and leases to deposits | 82.7477% | 2,470 |
| Net loans and leases to core deposits | 84.0286% | 2,979 |
| Total domestic deposits to total assets | 86.6059% | 2,372 |
| Equity capital to assets | 12.0490% | 1,984 |
| Core capital (leverage) ratio | 12.1874% | 1,543 |
| Tier 1 risk-based capital ratio | 17.2856% | 2,290 |
| Total risk-based capital ratio | 18.5491% | 2,248 |
| Memoranda: | ||
| Average total assets | $170,783,330 | 3,334 |
| Average earning assets | $154,109,330 | 3,387 |
| Average equity | $20,089,670 | 3,213 |
| Average total loans | $124,123,670 | 3,018 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 760 |
| Cost of funding earning assets | 0.2758% | 4,715 |
| Net interest margin | 4.5876% | 514 |
| Noninterest income to average assets | 0.7271% | 2,035 |
| Noninterest expense to average assets | 2.7522% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5101% | 830 |
| Return on assets (ROA) | 1.5101% | 880 |
| Pretax return on assets | 2.1230% | 458 |
| Return on Equity (ROE) | 12.9928% | 1,088 |
| Retained earnings to average equity (ytd only) | 12.9928% | 445 |
| Net charge-offs to loans | -0.6313% | 6,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4532% | 5,483 |
| Assets per employee ($millions) | 4.4522% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3266% | 683 |
| Loan loss allowance to noncurrent loans | 166.3406% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.3045% | 2,038 |
| Noncurrent loans to loans | 1.3987% | 2,055 |
| Net loans and leases to total assets | 69.8991% | 2,159 |
| Net loans and leases to deposits | 80.7567% | 2,474 |
| Net loans and leases to core deposits | 82.3875% | 2,923 |
| Total domestic deposits to total assets | 86.5552% | 2,629 |
| Equity capital to assets | 11.6940% | 2,298 |
| Core capital (leverage) ratio | 11.9805% | 1,651 |
| Tier 1 risk-based capital ratio | 17.0424% | 2,465 |
| Total risk-based capital ratio | 18.3064% | 2,418 |
| Memoranda: | ||
| Average total assets | $171,645,500 | 3,333 |
| Average earning assets | $155,199,500 | 3,389 |
| Average equity | $19,949,500 | 3,242 |
| Average total loans | $124,194,500 | 3,009 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 989 |
| Cost of funding earning assets | 0.3249% | 4,538 |
| Net interest margin | 4.5378% | 698 |
| Noninterest income to average assets | 0.5696% | 3,056 |
| Noninterest expense to average assets | 2.7762% | 3,576 |
| Loan and lease loss provision to assets | 0.3556% | 531 |
| Net operating income to assets | 1.1141% | 1,928 |
| Return on assets (ROA) | 1.1141% | 1,977 |
| Pretax return on assets | 1.5665% | 1,332 |
| Return on Equity (ROE) | 10.0143% | 2,114 |
| Retained earnings to average equity (ytd only) | 6.7653% | 1,512 |
| Net charge-offs to loans | 0.1815% | 2,215 |
| Credit loss provision to net charge-offs | 278.5388% | 915 |
| Earnings coverage of net charge-offs (x) | 15.0548% | 2,114 |
| Efficiency ratio | 59.0892% | 5,333 |
| Assets per employee ($millions) | 4.3501% | 3,274 |
| Cash dividends to net income (ytd only)* | 32.4437% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1711% | 857 |
| Loan loss allowance to noncurrent loans | 152.3460% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 2,096 |
| Noncurrent loans to loans | 1.4251% | 2,064 |
| Net loans and leases to total assets | 71.5764% | 1,978 |
| Net loans and leases to deposits | 82.7296% | 2,374 |
| Net loans and leases to core deposits | 84.2688% | 2,867 |
| Total domestic deposits to total assets | 86.5185% | 2,564 |
| Equity capital to assets | 11.5493% | 2,387 |
| Core capital (leverage) ratio | 11.4993% | 1,969 |
| Tier 1 risk-based capital ratio | 16.4051% | 2,760 |
| Total risk-based capital ratio | 17.6673% | 2,699 |
| Memoranda: | ||
| Average total assets | $171,527,800 | 3,317 |
| Average earning assets | $156,067,800 | 3,341 |
| Average equity | $19,082,800 | 3,277 |
| Average total loans | $120,658,400 | 3,025 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 1,029 |
| Cost of funding earning assets | 0.3311% | 4,547 |
| Net interest margin | 4.5120% | 722 |
| Noninterest income to average assets | 0.6326% | 2,672 |
| Noninterest expense to average assets | 2.6612% | 3,980 |
| Loan and lease loss provision to assets | 0.3682% | 476 |
| Net operating income to assets | 1.2124% | 1,637 |
| Return on assets (ROA) | 1.2124% | 1,702 |
| Pretax return on assets | 1.7023% | 1,062 |
| Return on Equity (ROE) | 11.0012% | 1,790 |
| Retained earnings to average equity (ytd only) | 9.0950% | 958 |
| Net charge-offs to loans | 0.1981% | 1,885 |
| Credit loss provision to net charge-offs | 266.8539% | 1,000 |
| Earnings coverage of net charge-offs (x) | 15.0054% | 2,089 |
| Efficiency ratio | 56.2418% | 5,640 |
| Assets per employee ($millions) | 4.6525% | 2,730 |
| Cash dividends to net income (ytd only)* | 17.3272% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1491% | 1,023 |
| Loan loss allowance to noncurrent loans | 112.0155% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 2,184 |
| Noncurrent loans to loans | 1.9185% | 1,671 |
| Net loans and leases to total assets | 63.6368% | 3,239 |
| Net loans and leases to deposits | 72.5053% | 3,630 |
| Net loans and leases to core deposits | 73.8928% | 3,950 |
| Total domestic deposits to total assets | 87.7684% | 1,885 |
| Equity capital to assets | 10.6206% | 3,408 |
| Core capital (leverage) ratio | 11.2835% | 2,228 |
| Tier 1 risk-based capital ratio | 16.8127% | 2,683 |
| Total risk-based capital ratio | 18.0748% | 2,626 |
| Memoranda: | ||
| Average total assets | $171,996,000 | 3,336 |
| Average earning assets | $156,261,500 | 3,355 |
| Average equity | $18,955,000 | 3,308 |
| Average total loans | $119,791,000 | 3,058 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 973 |
| Cost of funding earning assets | 0.3380% | 4,561 |
| Net interest margin | 4.5260% | 670 |
| Noninterest income to average assets | 0.6372% | 2,624 |
| Noninterest expense to average assets | 2.7006% | 3,865 |
| Loan and lease loss provision to assets | 0.3586% | 489 |
| Net operating income to assets | 1.2756% | 1,375 |
| Return on assets (ROA) | 1.2756% | 1,433 |
| Pretax return on assets | 1.7885% | 859 |
| Return on Equity (ROE) | 11.4209% | 1,591 |
| Retained earnings to average equity (ytd only) | 8.5202% | 1,139 |
| Net charge-offs to loans | 0.2563% | 1,528 |
| Credit loss provision to net charge-offs | 196.0784% | 1,197 |
| Earnings coverage of net charge-offs (x) | 11.7386% | 2,128 |
| Efficiency ratio | 55.7090% | 5,771 |
| Assets per employee ($millions) | 4.2077% | 3,443 |
| Cash dividends to net income (ytd only)* | 25.3983% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 1,270 |
| Loan loss allowance to noncurrent loans | 116.4371% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 2,321 |
| Noncurrent loans to loans | 1.7625% | 1,958 |
| Net loans and leases to total assets | 69.5045% | 2,154 |
| Net loans and leases to deposits | 79.9668% | 2,521 |
| Net loans and leases to core deposits | 81.7060% | 3,005 |
| Total domestic deposits to total assets | 86.9168% | 2,495 |
| Equity capital to assets | 11.4154% | 2,500 |
| Core capital (leverage) ratio | 11.5337% | 1,972 |
| Tier 1 risk-based capital ratio | 16.8961% | 2,666 |
| Total risk-based capital ratio | 18.1569% | 2,627 |
| Memoranda: | ||
| Average total assets | $167,294,670 | 3,418 |
| Average earning assets | $155,633,670 | 3,381 |
| Average equity | $18,685,000 | 3,325 |
| Average total loans | $119,378,330 | 3,074 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 933 |
| Cost of funding earning assets | 0.3525% | 4,513 |
| Net interest margin | 4.5051% | 654 |
| Noninterest income to average assets | 0.5156% | 3,288 |
| Noninterest expense to average assets | 2.7076% | 3,907 |
| Loan and lease loss provision to assets | 0.3597% | 485 |
| Net operating income to assets | 1.1895% | 1,514 |
| Return on assets (ROA) | 1.1895% | 1,584 |
| Pretax return on assets | 1.6476% | 1,074 |
| Return on Equity (ROE) | 10.7703% | 1,771 |
| Retained earnings to average equity (ytd only) | 10.7703% | 790 |
| Net charge-offs to loans | -0.1274% | 6,217 |
| Credit loss provision to net charge-offs | -394.7368% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4262% | 5,714 |
| Assets per employee ($millions) | 4.1871% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1047% | 1,317 |
| Loan loss allowance to noncurrent loans | 127.9918% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.4360% | 2,471 |
| Noncurrent loans to loans | 1.6444% | 2,365 |
| Net loans and leases to total assets | 69.2066% | 2,031 |
| Net loans and leases to deposits | 79.3350% | 2,389 |
| Net loans and leases to core deposits | 81.0656% | 2,846 |
| Total domestic deposits to total assets | 87.2334% | 2,675 |
| Equity capital to assets | 11.2112% | 2,509 |
| Core capital (leverage) ratio | 11.4413% | 2,013 |
| Tier 1 risk-based capital ratio | 15.9815% | 3,179 |
| Total risk-based capital ratio | 17.2421% | 3,126 |
| Memoranda: | ||
| Average total assets | $166,788,500 | 3,449 |
| Average earning assets | $155,469,500 | 3,408 |
| Average equity | $18,421,000 | 3,366 |
| Average total loans | $119,351,500 | 3,082 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 913 |
| Cost of funding earning assets | 0.4242% | 4,387 |
| Net interest margin | 4.5831% | 633 |
| Noninterest income to average assets | 0.4598% | 4,019 |
| Noninterest expense to average assets | 2.7818% | 3,789 |
| Loan and lease loss provision to assets | 0.6524% | 365 |
| Net operating income to assets | 0.8705% | 2,924 |
| Return on assets (ROA) | 0.8705% | 3,010 |
| Pretax return on assets | 1.1950% | 2,602 |
| Return on Equity (ROE) | 8.2911% | 2,888 |
| Retained earnings to average equity (ytd only) | 5.4542% | 2,306 |
| Net charge-offs to loans | 0.8569% | 718 |
| Credit loss provision to net charge-offs | 109.4153% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.0981% | 3,955 |
| Efficiency ratio | 60.0919% | 5,458 |
| Assets per employee ($millions) | 4.1523% | 3,528 |
| Cash dividends to net income (ytd only)* | 34.2159% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 1,748 |
| Loan loss allowance to noncurrent loans | 109.8712% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.5835% | 2,352 |
| Noncurrent loans to loans | 1.7431% | 2,308 |
| Net loans and leases to total assets | 71.0427% | 1,833 |
| Net loans and leases to deposits | 81.1277% | 2,308 |
| Net loans and leases to core deposits | 82.9126% | 2,785 |
| Total domestic deposits to total assets | 87.5690% | 2,437 |
| Equity capital to assets | 10.8764% | 2,729 |
| Core capital (leverage) ratio | 11.0411% | 2,352 |
| Tier 1 risk-based capital ratio | 15.2962% | 3,486 |
| Total risk-based capital ratio | 16.5539% | 3,433 |
| Memoranda: | ||
| Average total assets | $169,208,400 | 3,419 |
| Average earning assets | $153,935,000 | 3,437 |
| Average equity | $17,766,000 | 3,456 |
| Average total loans | $117,752,600 | 3,081 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0014% | 942 |
| Cost of funding earning assets | 0.4396% | 4,383 |
| Net interest margin | 4.5618% | 662 |
| Noninterest income to average assets | 0.4651% | 4,036 |
| Noninterest expense to average assets | 2.7664% | 3,773 |
| Loan and lease loss provision to assets | 0.5992% | 403 |
| Net operating income to assets | 0.9051% | 2,808 |
| Return on assets (ROA) | 0.9051% | 2,918 |
| Pretax return on assets | 1.2181% | 2,626 |
| Return on Equity (ROE) | 8.6971% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.2350% | 1,776 |
| Net charge-offs to loans | 0.8766% | 666 |
| Credit loss provision to net charge-offs | 99.2208% | 2,405 |
| Earnings coverage of net charge-offs (x) | 3.0091% | 3,833 |
| Efficiency ratio | 60.3525% | 5,380 |
| Assets per employee ($millions) | 4.4356% | 2,985 |
| Cash dividends to net income (ytd only)* | 16.8111% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 2,112 |
| Loan loss allowance to noncurrent loans | 105.4067% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.5122% | 2,669 |
| Noncurrent loans to loans | 1.7644% | 2,553 |
| Net loans and leases to total assets | 65.5218% | 2,715 |
| Net loans and leases to deposits | 74.4408% | 3,166 |
| Net loans and leases to core deposits | 75.7367% | 3,644 |
| Total domestic deposits to total assets | 88.0186% | 2,118 |
| Equity capital to assets | 10.0178% | 3,877 |
| Core capital (leverage) ratio | 10.8447% | 2,624 |
| Tier 1 risk-based capital ratio | 15.2202% | 3,610 |
| Total risk-based capital ratio | 16.4771% | 3,563 |
| Memoranda: | ||
| Average total assets | $169,987,250 | 3,448 |
| Average earning assets | $153,474,000 | 3,475 |
| Average equity | $17,691,250 | 3,502 |
| Average total loans | $117,115,500 | 3,120 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 929 |
| Cost of funding earning assets | 0.4549% | 4,379 |
| Net interest margin | 4.5316% | 674 |
| Noninterest income to average assets | 0.4812% | 3,955 |
| Noninterest expense to average assets | 2.8214% | 3,602 |
| Loan and lease loss provision to assets | 0.6925% | 343 |
| Net operating income to assets | 0.8226% | 3,180 |
| Return on assets (ROA) | 0.8226% | 3,342 |
| Pretax return on assets | 1.1068% | 3,069 |
| Return on Equity (ROE) | 7.8013% | 3,190 |
| Retained earnings to average equity (ytd only) | 5.6047% | 2,672 |
| Net charge-offs to loans | 1.1194% | 532 |
| Credit loss provision to net charge-offs | 88.8208% | 2,469 |
| Earnings coverage of net charge-offs (x) | 2.3078% | 3,756 |
| Efficiency ratio | 61.0594% | 5,317 |
| Assets per employee ($millions) | 3.8949% | 4,025 |
| Cash dividends to net income (ytd only)* | 28.1567% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 2,433 |
| Loan loss allowance to noncurrent loans | 89.0000% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.8889% | 2,291 |
| Noncurrent loans to loans | 2.0227% | 2,377 |
| Net loans and leases to total assets | 71.2286% | 1,687 |
| Net loans and leases to deposits | 81.8253% | 2,080 |
| Net loans and leases to core deposits | 83.5466% | 2,619 |
| Total domestic deposits to total assets | 87.0496% | 2,792 |
| Equity capital to assets | 10.7558% | 2,992 |
| Core capital (leverage) ratio | 10.8971% | 2,458 |
| Tier 1 risk-based capital ratio | 15.0453% | 3,751 |
| Total risk-based capital ratio | 16.3014% | 3,713 |
| Memoranda: | ||
| Average total assets | $167,508,000 | 3,503 |
| Average earning assets | $153,014,670 | 3,500 |
| Average equity | $17,663,670 | 3,532 |
| Average total loans | $116,669,000 | 3,133 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9501% | 976 |
| Cost of funding earning assets | 0.4685% | 4,390 |
| Net interest margin | 4.4817% | 699 |
| Noninterest income to average assets | 0.4532% | 4,103 |
| Noninterest expense to average assets | 2.8229% | 3,621 |
| Loan and lease loss provision to assets | 0.7081% | 336 |
| Net operating income to assets | 0.7341% | 3,514 |
| Return on assets (ROA) | 0.7341% | 3,653 |
| Pretax return on assets | 0.9866% | 3,414 |
| Return on Equity (ROE) | 7.0290% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.0290% | 2,137 |
| Net charge-offs to loans | 0.5429% | 1,114 |
| Credit loss provision to net charge-offs | 191.0828% | 1,132 |
| Earnings coverage of net charge-offs (x) | 4.5732% | 2,524 |
| Efficiency ratio | 62.4869% | 5,242 |
| Assets per employee ($millions) | 4.0194% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0313% | 1,963 |
| Loan loss allowance to noncurrent loans | 83.4043% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 2.1159% | 2,220 |
| Noncurrent loans to loans | 2.4355% | 2,114 |
| Net loans and leases to total assets | 67.1953% | 2,159 |
| Net loans and leases to deposits | 77.0330% | 2,482 |
| Net loans and leases to core deposits | 78.5947% | 2,980 |
| Total domestic deposits to total assets | 87.2291% | 2,810 |
| Equity capital to assets | 10.5566% | 3,485 |
| Core capital (leverage) ratio | 10.5938% | 2,658 |
| Tier 1 risk-based capital ratio | 15.1136% | 3,762 |
| Total risk-based capital ratio | 16.3724% | 3,712 |
| Memoranda: | ||
| Average total assets | $169,469,000 | 3,507 |
| Average earning assets | $153,693,000 | 3,532 |
| Average equity | $17,698,000 | 3,564 |
| Average total loans | $115,675,500 | 3,167 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2846% | 951 |
| Cost of funding earning assets | 0.7095% | 3,417 |
| Net interest margin | 4.5751% | 816 |
| Noninterest income to average assets | 0.2244% | 5,833 |
| Noninterest expense to average assets | 2.7353% | 4,268 |
| Loan and lease loss provision to assets | 0.9141% | 490 |
| Net operating income to assets | 0.5506% | 4,473 |
| Return on assets (ROA) | 0.5515% | 4,721 |
| Pretax return on assets | 0.6962% | 4,678 |
| Return on Equity (ROE) | 5.3785% | 4,483 |
| Retained earnings to average equity (ytd only) | 3.5934% | 3,678 |
| Net charge-offs to loans | 1.2689% | 772 |
| Credit loss provision to net charge-offs | 105.0916% | 2,837 |
| Earnings coverage of net charge-offs (x) | 1.8500% | 4,507 |
| Efficiency ratio | 62.9604% | 5,085 |
| Assets per employee ($millions) | 3.8665% | 4,240 |
| Cash dividends to net income (ytd only)* | 33.1906% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 2,265 |
| Loan loss allowance to noncurrent loans | 76.3567% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 2.1825% | 2,247 |
| Noncurrent loans to loans | 2.5034% | 2,108 |
| Net loans and leases to total assets | 66.6308% | 2,430 |
| Net loans and leases to deposits | 76.1569% | 2,778 |
| Net loans and leases to core deposits | 77.6830% | 3,302 |
| Total domestic deposits to total assets | 87.4915% | 2,533 |
| Equity capital to assets | 10.3307% | 3,718 |
| Core capital (leverage) ratio | 10.2958% | 3,022 |
| Tier 1 risk-based capital ratio | 14.9362% | 3,753 |
| Total risk-based capital ratio | 16.1938% | 3,704 |
| Memoranda: | ||
| Average total assets | $169,341,400 | 3,468 |
| Average earning assets | $152,500,200 | 3,502 |
| Average equity | $17,365,400 | 3,565 |
| Average total loans | $116,087,200 | 3,160 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 965 |
| Cost of funding earning assets | 0.7415% | 3,416 |
| Net interest margin | 4.5788% | 851 |
| Noninterest income to average assets | 0.1521% | 6,388 |
| Noninterest expense to average assets | 2.7518% | 4,163 |
| Loan and lease loss provision to assets | 0.7031% | 725 |
| Net operating income to assets | 0.6716% | 4,035 |
| Return on assets (ROA) | 0.6716% | 4,305 |
| Pretax return on assets | 0.8151% | 4,432 |
| Return on Equity (ROE) | 6.5614% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.5614% | 2,353 |
| Net charge-offs to loans | 1.2448% | 769 |
| Credit loss provision to net charge-offs | 82.2120% | 3,548 |
| Earnings coverage of net charge-offs (x) | 1.7751% | 4,383 |
| Efficiency ratio | 64.4453% | 4,728 |
| Assets per employee ($millions) | 4.0834% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 3,199 |
| Loan loss allowance to noncurrent loans | 75.3984% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.2993% | 2,315 |
| Noncurrent loans to loans | 2.2340% | 2,575 |
| Net loans and leases to total assets | 61.6234% | 3,458 |
| Net loans and leases to deposits | 70.5226% | 3,827 |
| Net loans and leases to core deposits | 71.9493% | 4,258 |
| Total domestic deposits to total assets | 87.3810% | 2,441 |
| Equity capital to assets | 9.7244% | 4,892 |
| Core capital (leverage) ratio | 10.3295% | 3,125 |
| Tier 1 risk-based capital ratio | 14.7152% | 4,035 |
| Total risk-based capital ratio | 15.9696% | 4,001 |
| Memoranda: | ||
| Average total assets | $169,145,750 | 3,506 |
| Average earning assets | $152,116,500 | 3,549 |
| Average equity | $17,313,000 | 3,607 |
| Average total loans | $116,218,000 | 3,199 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3751% | 915 |
| Cost of funding earning assets | 0.7732% | 3,423 |
| Net interest margin | 4.6019% | 827 |
| Noninterest income to average assets | -0.1217% | 7,107 |
| Noninterest expense to average assets | 2.8513% | 3,820 |
| Loan and lease loss provision to assets | 0.5819% | 1,034 |
| Net operating income to assets | 0.5905% | 4,410 |
| Return on assets (ROA) | 0.5905% | 4,669 |
| Pretax return on assets | 0.6842% | 4,869 |
| Return on Equity (ROE) | 5.6634% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.6634% | 2,897 |
| Net charge-offs to loans | 1.5219% | 648 |
| Credit loss provision to net charge-offs | 53.8895% | 3,956 |
| Earnings coverage of net charge-offs (x) | 1.1725% | 4,426 |
| Efficiency ratio | 69.2490% | 3,888 |
| Assets per employee ($millions) | 3.5925% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 4,076 |
| Loan loss allowance to noncurrent loans | 60.8466% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 2.7987% | 1,969 |
| Noncurrent loans to loans | 2.4431% | 2,458 |
| Net loans and leases to total assets | 69.1735% | 2,076 |
| Net loans and leases to deposits | 80.8930% | 2,247 |
| Net loans and leases to core deposits | 82.7637% | 2,861 |
| Total domestic deposits to total assets | 85.5123% | 3,601 |
| Equity capital to assets | 10.5684% | 3,605 |
| Core capital (leverage) ratio | 10.5580% | 2,749 |
| Tier 1 risk-based capital ratio | 14.8245% | 3,880 |
| Total risk-based capital ratio | 16.0774% | 3,836 |
| Memoranda: | ||
| Average total assets | $164,276,000 | 3,596 |
| Average earning assets | $151,328,670 | 3,578 |
| Average equity | $17,127,670 | 3,621 |
| Average total loans | $116,565,330 | 3,208 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 940 |
| Cost of funding earning assets | 0.8126% | 3,369 |
| Net interest margin | 4.5676% | 873 |
| Noninterest income to average assets | -0.3541% | 7,233 |
| Noninterest expense to average assets | 2.8208% | 3,942 |
| Loan and lease loss provision to assets | 0.3834% | 1,638 |
| Net operating income to assets | 0.5666% | 4,509 |
| Return on assets (ROA) | 0.5666% | 4,735 |
| Pretax return on assets | 0.6423% | 4,965 |
| Return on Equity (ROE) | 5.4720% | 4,562 |
| Retained earnings to average equity (ytd only) | 5.4720% | 3,278 |
| Net charge-offs to loans | 0.9929% | 1,046 |
| Credit loss provision to net charge-offs | 54.1379% | 3,216 |
| Earnings coverage of net charge-offs (x) | 1.4483% | 3,603 |
| Efficiency ratio | 73.3333% | 3,196 |
| Assets per employee ($millions) | 3.6354% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 3,275 |
| Loan loss allowance to noncurrent loans | 52.3685% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 3.7184% | 1,517 |
| Noncurrent loans to loans | 3.2785% | 1,954 |
| Net loans and leases to total assets | 70.0191% | 1,751 |
| Net loans and leases to deposits | 82.6193% | 1,844 |
| Net loans and leases to core deposits | 84.5694% | 2,469 |
| Total domestic deposits to total assets | 84.7492% | 4,144 |
| Equity capital to assets | 10.4236% | 3,592 |
| Core capital (leverage) ratio | 10.4512% | 2,810 |
| Tier 1 risk-based capital ratio | 14.5081% | 4,098 |
| Total risk-based capital ratio | 15.7633% | 4,055 |
| Memoranda: | ||
| Average total assets | $163,785,500 | 3,626 |
| Average earning assets | $150,625,000 | 3,608 |
| Average equity | $16,959,000 | 3,655 |
| Average total loans | $116,828,500 | 3,212 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 1,086 |
| Cost of funding earning assets | 0.9842% | 3,484 |
| Net interest margin | 4.5503% | 1,026 |
| Noninterest income to average assets | -0.1368% | 7,123 |
| Noninterest expense to average assets | 2.7309% | 4,616 |
| Loan and lease loss provision to assets | 1.4686% | 512 |
| Net operating income to assets | -0.0320% | 6,084 |
| Return on assets (ROA) | -0.0297% | 6,186 |
| Pretax return on assets | -0.1909% | 6,279 |
| Return on Equity (ROE) | -0.2949% | 6,192 |
| Retained earnings to average equity (ytd only) | -0.7491% | 5,970 |
| Net charge-offs to loans | 2.4058% | 497 |
| Credit loss provision to net charge-offs | 87.5222% | 4,124 |
| Earnings coverage of net charge-offs (x) | 0.7593% | 5,233 |
| Efficiency ratio | 68.1865% | 4,316 |
| Assets per employee ($millions) | 3.6440% | 4,679 |
| Cash dividends to net income (ytd only)* | -154.0000% | 7,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8222% | 2,796 |
| Loan loss allowance to noncurrent loans | 47.1186% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 4.2341% | 1,326 |
| Noncurrent loans to loans | 3.8673% | 1,625 |
| Net loans and leases to total assets | 70.1165% | 2,010 |
| Net loans and leases to deposits | 82.6679% | 2,112 |
| Net loans and leases to core deposits | 84.6091% | 2,799 |
| Total domestic deposits to total assets | 84.8171% | 3,943 |
| Equity capital to assets | 10.2854% | 3,801 |
| Core capital (leverage) ratio | 10.2539% | 3,022 |
| Tier 1 risk-based capital ratio | 14.1633% | 4,205 |
| Total risk-based capital ratio | 15.4196% | 4,151 |
| Memoranda: | ||
| Average total assets | $168,116,000 | 3,519 |
| Average earning assets | $153,023,400 | 3,530 |
| Average equity | $16,953,800 | 3,587 |
| Average total loans | $117,260,600 | 3,232 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5102% | 1,228 |
| Cost of funding earning assets | 1.0177% | 3,545 |
| Net interest margin | 4.4925% | 1,172 |
| Noninterest income to average assets | -0.1844% | 7,258 |
| Noninterest expense to average assets | 2.7391% | 4,582 |
| Loan and lease loss provision to assets | 1.2202% | 633 |
| Net operating income to assets | 0.0088% | 6,142 |
| Return on assets (ROA) | 0.0118% | 6,238 |
| Pretax return on assets | -0.0575% | 6,288 |
| Return on Equity (ROE) | 0.1178% | 6,236 |
| Retained earnings to average equity (ytd only) | -0.4869% | 6,066 |
| Net charge-offs to loans | 0.9503% | 1,698 |
| Credit loss provision to net charge-offs | 185.1675% | 1,588 |
| Earnings coverage of net charge-offs (x) | 1.7572% | 4,336 |
| Efficiency ratio | 70.2872% | 3,912 |
| Assets per employee ($millions) | 3.8112% | 4,284 |
| Cash dividends to net income (ytd only)* | 513.3000% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7091% | 1,122 |
| Loan loss allowance to noncurrent loans | 58.1138% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 4.8301% | 1,206 |
| Noncurrent loans to loans | 4.6617% | 1,386 |
| Net loans and leases to total assets | 65.5091% | 3,000 |
| Net loans and leases to deposits | 76.4496% | 3,258 |
| Net loans and leases to core deposits | 78.1050% | 3,892 |
| Total domestic deposits to total assets | 85.6893% | 3,393 |
| Equity capital to assets | 9.8531% | 4,543 |
| Core capital (leverage) ratio | 9.9608% | 3,492 |
| Tier 1 risk-based capital ratio | 13.5254% | 4,713 |
| Total risk-based capital ratio | 14.7911% | 4,673 |
| Memoranda: | ||
| Average total assets | $169,150,000 | 3,533 |
| Average earning assets | $153,673,750 | 3,538 |
| Average equity | $16,975,750 | 3,589 |
| Average total loans | $117,298,000 | 3,254 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5564% | 1,159 |
| Cost of funding earning assets | 1.0573% | 3,554 |
| Net interest margin | 4.4991% | 1,133 |
| Noninterest income to average assets | -0.3004% | 7,382 |
| Noninterest expense to average assets | 2.7924% | 4,452 |
| Loan and lease loss provision to assets | 1.5428% | 455 |
| Net operating income to assets | -0.2835% | 6,545 |
| Return on assets (ROA) | -0.2789% | 6,571 |
| Pretax return on assets | -0.5183% | 6,672 |
| Return on Equity (ROE) | -2.7613% | 6,572 |
| Retained earnings to average equity (ytd only) | -3.6738% | 6,441 |
| Net charge-offs to loans | 1.2166% | 1,287 |
| Credit loss provision to net charge-offs | 181.0393% | 1,664 |
| Earnings coverage of net charge-offs (x) | 1.1938% | 4,388 |
| Efficiency ratio | 73.2956% | 3,501 |
| Assets per employee ($millions) | 3.4404% | 5,101 |
| Cash dividends to net income (ytd only)* | -33.0472% | 7,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5632% | 1,349 |
| Loan loss allowance to noncurrent loans | 59.2456% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 5.0920% | 1,197 |
| Noncurrent loans to loans | 4.3265% | 1,560 |
| Net loans and leases to total assets | 70.5058% | 2,113 |
| Net loans and leases to deposits | 84.2376% | 2,070 |
| Net loans and leases to core deposits | 86.2276% | 2,871 |
| Total domestic deposits to total assets | 83.6988% | 4,475 |
| Equity capital to assets | 10.1877% | 3,887 |
| Core capital (leverage) ratio | 10.0911% | 3,153 |
| Tier 1 risk-based capital ratio | 13.8964% | 4,238 |
| Total risk-based capital ratio | 15.1623% | 4,200 |
| Memoranda: | ||
| Average total assets | $167,094,670 | 3,585 |
| Average earning assets | $152,653,670 | 3,586 |
| Average equity | $16,876,330 | 3,597 |
| Average total loans | $117,048,670 | 3,289 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7878% | 757 |
| Cost of funding earning assets | 1.0883% | 3,598 |
| Net interest margin | 4.6995% | 702 |
| Noninterest income to average assets | 0.1618% | 6,568 |
| Noninterest expense to average assets | 2.7750% | 4,544 |
| Loan and lease loss provision to assets | 1.2899% | 534 |
| Net operating income to assets | 0.3475% | 5,182 |
| Return on assets (ROA) | 0.3475% | 5,266 |
| Pretax return on assets | 0.3927% | 5,366 |
| Return on Equity (ROE) | 3.4551% | 5,166 |
| Retained earnings to average equity (ytd only) | 1.6329% | 5,136 |
| Net charge-offs to loans | 1.3987% | 979 |
| Credit loss provision to net charge-offs | 133.8272% | 2,072 |
| Earnings coverage of net charge-offs (x) | 1.7457% | 3,434 |
| Efficiency ratio | 62.2531% | 5,641 |
| Assets per employee ($millions) | 3.5594% | 4,853 |
| Cash dividends to net income (ytd only)* | 52.7397% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2630% | 1,835 |
| Loan loss allowance to noncurrent loans | 50.1626% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 5.3709% | 1,147 |
| Noncurrent loans to loans | 4.5113% | 1,548 |
| Net loans and leases to total assets | 67.7177% | 2,611 |
| Net loans and leases to deposits | 80.4581% | 2,621 |
| Net loans and leases to core deposits | 82.3274% | 3,411 |
| Total domestic deposits to total assets | 84.1652% | 4,424 |
| Equity capital to assets | 10.1279% | 3,615 |
| Core capital (leverage) ratio | 10.1698% | 2,954 |
| Tier 1 risk-based capital ratio | 14.5272% | 3,716 |
| Total risk-based capital ratio | 15.7893% | 3,676 |
| Memoranda: | ||
| Average total assets | $168,071,500 | 3,589 |
| Average earning assets | $153,634,500 | 3,586 |
| Average equity | $16,902,500 | 3,575 |
| Average total loans | $115,824,500 | 3,342 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7834% | 1,322 |
| Cost of funding earning assets | 1.4337% | 3,054 |
| Net interest margin | 4.3497% | 1,647 |
| Noninterest income to average assets | 0.1788% | 6,471 |
| Noninterest expense to average assets | 2.8094% | 4,566 |
| Loan and lease loss provision to assets | 1.0553% | 1,524 |
| Net operating income to assets | 0.2639% | 5,060 |
| Return on assets (ROA) | 0.2771% | 5,178 |
| Pretax return on assets | 0.2859% | 5,269 |
| Return on Equity (ROE) | 2.7885% | 5,046 |
| Retained earnings to average equity (ytd only) | 2.7885% | 3,905 |
| Net charge-offs to loans | 1.9364% | 1,061 |
| Credit loss provision to net charge-offs | 77.4277% | 5,651 |
| Earnings coverage of net charge-offs (x) | 0.9741% | 5,133 |
| Efficiency ratio | 67.9084% | 4,579 |
| Assets per employee ($millions) | 3.4460% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1479% | 1,965 |
| Loan loss allowance to noncurrent loans | 47.6428% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 5.3224% | 1,169 |
| Noncurrent loans to loans | 4.5083% | 1,570 |
| Net loans and leases to total assets | 67.0731% | 3,202 |
| Net loans and leases to deposits | 79.6880% | 3,234 |
| Net loans and leases to core deposits | 81.5224% | 3,972 |
| Total domestic deposits to total assets | 84.1697% | 4,289 |
| Equity capital to assets | 9.9862% | 3,753 |
| Core capital (leverage) ratio | 10.0517% | 3,030 |
| Tier 1 risk-based capital ratio | 14.6213% | 3,464 |
| Total risk-based capital ratio | 15.8820% | 3,422 |
| Memoranda: | ||
| Average total assets | $170,003,400 | 3,535 |
| Average earning assets | $154,700,600 | 3,556 |
| Average equity | $16,891,000 | 3,611 |
| Average total loans | $119,657,600 | 3,318 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8012% | 1,394 |
| Cost of funding earning assets | 1.4955% | 3,005 |
| Net interest margin | 4.3057% | 1,831 |
| Noninterest income to average assets | 0.3515% | 5,356 |
| Noninterest expense to average assets | 2.8226% | 4,389 |
| Loan and lease loss provision to assets | 1.1815% | 1,218 |
| Net operating income to assets | 0.2528% | 5,340 |
| Return on assets (ROA) | 0.2701% | 5,442 |
| Pretax return on assets | 0.2811% | 5,552 |
| Return on Equity (ROE) | 2.7221% | 5,336 |
| Retained earnings to average equity (ytd only) | 2.7221% | 4,522 |
| Net charge-offs to loans | 2.0480% | 911 |
| Credit loss provision to net charge-offs | 81.4355% | 5,091 |
| Earnings coverage of net charge-offs (x) | 0.9957% | 5,065 |
| Efficiency ratio | 66.1468% | 4,825 |
| Assets per employee ($millions) | 3.8054% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3004% | 1,627 |
| Loan loss allowance to noncurrent loans | 45.8613% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 5.3088% | 1,175 |
| Noncurrent loans to loans | 5.0161% | 1,373 |
| Net loans and leases to total assets | 61.9641% | 4,538 |
| Net loans and leases to deposits | 72.8990% | 4,706 |
| Net loans and leases to core deposits | 74.4312% | 5,244 |
| Total domestic deposits to total assets | 84.9999% | 3,619 |
| Equity capital to assets | 9.4422% | 4,931 |
| Core capital (leverage) ratio | 9.8007% | 3,485 |
| Tier 1 risk-based capital ratio | 14.0726% | 3,778 |
| Total risk-based capital ratio | 15.3340% | 3,744 |
| Memoranda: | ||
| Average total assets | $170,291,000 | 3,574 |
| Average earning assets | $154,860,750 | 3,600 |
| Average equity | $16,898,250 | 3,655 |
| Average total loans | $120,636,750 | 3,356 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9597% | 1,040 |
| Cost of funding earning assets | 1.5877% | 2,725 |
| Net interest margin | 4.3719% | 1,530 |
| Noninterest income to average assets | 0.2275% | 6,289 |
| Noninterest expense to average assets | 2.8802% | 4,149 |
| Loan and lease loss provision to assets | 1.1302% | 1,273 |
| Net operating income to assets | 0.1721% | 5,657 |
| Return on assets (ROA) | 0.1721% | 5,786 |
| Pretax return on assets | 0.1709% | 5,843 |
| Return on Equity (ROE) | 1.7042% | 5,731 |
| Retained earnings to average equity (ytd only) | 1.7042% | 5,023 |
| Net charge-offs to loans | 2.0224% | 898 |
| Credit loss provision to net charge-offs | 75.9709% | 4,812 |
| Earnings coverage of net charge-offs (x) | 0.8746% | 4,894 |
| Efficiency ratio | 68.8831% | 4,407 |
| Assets per employee ($millions) | 3.4127% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2888% | 1,603 |
| Loan loss allowance to noncurrent loans | 33.2272% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 7.0355% | 752 |
| Noncurrent loans to loans | 6.8883% | 838 |
| Net loans and leases to total assets | 69.2353% | 3,078 |
| Net loans and leases to deposits | 83.2983% | 3,013 |
| Net loans and leases to core deposits | 85.2650% | 3,943 |
| Total domestic deposits to total assets | 83.1173% | 4,519 |
| Equity capital to assets | 10.1038% | 3,883 |
| Core capital (leverage) ratio | 10.0979% | 3,067 |
| Tier 1 risk-based capital ratio | 14.0179% | 3,720 |
| Total risk-based capital ratio | 15.2804% | 3,677 |
| Memoranda: | ||
| Average total assets | $166,168,330 | 3,670 |
| Average earning assets | $150,276,670 | 3,699 |
| Average equity | $16,782,000 | 3,670 |
| Average total loans | $122,233,000 | 3,358 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0258% | 927 |
| Cost of funding earning assets | 1.6522% | 2,638 |
| Net interest margin | 4.3736% | 1,463 |
| Noninterest income to average assets | 0.2777% | 5,925 |
| Noninterest expense to average assets | 2.8520% | 4,271 |
| Loan and lease loss provision to assets | 0.9877% | 1,258 |
| Net operating income to assets | 0.2946% | 5,320 |
| Return on assets (ROA) | 0.2946% | 5,449 |
| Pretax return on assets | 0.3695% | 5,383 |
| Return on Equity (ROE) | 2.9178% | 5,373 |
| Retained earnings to average equity (ytd only) | 2.9178% | 4,382 |
| Net charge-offs to loans | 1.9790% | 868 |
| Credit loss provision to net charge-offs | 66.6124% | 4,172 |
| Earnings coverage of net charge-offs (x) | 0.9153% | 4,224 |
| Efficiency ratio | 67.7567% | 4,770 |
| Assets per employee ($millions) | 3.3640% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2831% | 1,604 |
| Loan loss allowance to noncurrent loans | 38.7132% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 6.9687% | 774 |
| Noncurrent loans to loans | 5.8974% | 1,128 |
| Net loans and leases to total assets | 72.8071% | 2,257 |
| Net loans and leases to deposits | 88.0681% | 2,215 |
| Net loans and leases to core deposits | 90.5533% | 3,294 |
| Total domestic deposits to total assets | 82.6714% | 4,768 |
| Equity capital to assets | 10.1967% | 3,618 |
| Core capital (leverage) ratio | 10.0680% | 3,080 |
| Tier 1 risk-based capital ratio | 13.5052% | 3,981 |
| Total risk-based capital ratio | 14.7672% | 3,935 |
| Memoranda: | ||
| Average total assets | $165,640,500 | 3,738 |
| Average earning assets | $148,893,000 | 3,777 |
| Average equity | $16,725,000 | 3,710 |
| Average total loans | $124,104,500 | 3,380 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3358% | 957 |
| Cost of funding earning assets | 2.1494% | 2,237 |
| Net interest margin | 4.1864% | 2,118 |
| Noninterest income to average assets | 0.2773% | 6,117 |
| Noninterest expense to average assets | 2.9314% | 4,422 |
| Loan and lease loss provision to assets | 1.1870% | 1,939 |
| Net operating income to assets | 0.0343% | 5,383 |
| Return on assets (ROA) | 0.0606% | 5,364 |
| Pretax return on assets | -0.0269% | 5,489 |
| Return on Equity (ROE) | 0.6615% | 5,342 |
| Retained earnings to average equity (ytd only) | 0.6615% | 4,537 |
| Net charge-offs to loans | 1.7238% | 1,457 |
| Credit loss provision to net charge-offs | 92.5546% | 5,914 |
| Earnings coverage of net charge-offs (x) | 0.8725% | 5,233 |
| Efficiency ratio | 72.3744% | 4,205 |
| Assets per employee ($millions) | 3.3289% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3997% | 1,348 |
| Loan loss allowance to noncurrent loans | 46.7091% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 6.3991% | 864 |
| Noncurrent loans to loans | 5.1375% | 1,301 |
| Net loans and leases to total assets | 73.5280% | 2,375 |
| Net loans and leases to deposits | 88.8062% | 2,423 |
| Net loans and leases to core deposits | 104.7845% | 3,477 |
| Total domestic deposits to total assets | 82.7960% | 4,618 |
| Equity capital to assets | 9.9986% | 3,765 |
| Core capital (leverage) ratio | 9.7186% | 3,420 |
| Tier 1 risk-based capital ratio | 13.3109% | 3,941 |
| Total risk-based capital ratio | 14.5752% | 3,877 |
| Memoranda: | ||
| Average total assets | $174,897,800 | 3,518 |
| Average earning assets | $157,628,000 | 3,563 |
| Average equity | $16,025,200 | 3,866 |
| Average total loans | $130,123,200 | 3,268 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3381% | 1,049 |
| Cost of funding earning assets | 2.2379% | 2,242 |
| Net interest margin | 4.1003% | 2,394 |
| Noninterest income to average assets | 0.3314% | 5,835 |
| Noninterest expense to average assets | 2.9014% | 4,448 |
| Loan and lease loss provision to assets | 1.1080% | 1,764 |
| Net operating income to assets | 0.0193% | 5,667 |
| Return on assets (ROA) | 0.0572% | 5,623 |
| Pretax return on assets | 0.0685% | 5,587 |
| Return on Equity (ROE) | 0.6385% | 5,600 |
| Retained earnings to average equity (ytd only) | 0.6385% | 4,927 |
| Net charge-offs to loans | 1.3515% | 1,522 |
| Credit loss provision to net charge-offs | 110.5184% | 4,603 |
| Earnings coverage of net charge-offs (x) | 1.1285% | 4,931 |
| Efficiency ratio | 71.9462% | 4,251 |
| Assets per employee ($millions) | 3.5584% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6384% | 933 |
| Loan loss allowance to noncurrent loans | 53.1922% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 5.7786% | 958 |
| Noncurrent loans to loans | 4.9601% | 1,344 |
| Net loans and leases to total assets | 67.4273% | 4,084 |
| Net loans and leases to deposits | 81.3145% | 4,147 |
| Net loans and leases to core deposits | 94.8567% | 4,944 |
| Total domestic deposits to total assets | 82.9215% | 4,260 |
| Equity capital to assets | 8.8329% | 5,733 |
| Core capital (leverage) ratio | 9.2664% | 4,239 |
| Tier 1 risk-based capital ratio | 13.0727% | 4,139 |
| Total risk-based capital ratio | 14.3379% | 4,065 |
| Memoranda: | ||
| Average total assets | $177,011,250 | 3,509 |
| Average earning assets | $159,791,000 | 3,555 |
| Average equity | $15,871,000 | 3,936 |
| Average total loans | $131,306,000 | 3,272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4772% | 865 |
| Cost of funding earning assets | 2.3648% | 2,101 |
| Net interest margin | 4.1124% | 2,277 |
| Noninterest income to average assets | 0.5994% | 3,701 |
| Noninterest expense to average assets | 3.0743% | 3,798 |
| Loan and lease loss provision to assets | 1.1748% | 1,463 |
| Net operating income to assets | 0.0399% | 5,733 |
| Return on assets (ROA) | 0.0399% | 5,822 |
| Pretax return on assets | 0.0479% | 5,784 |
| Return on Equity (ROE) | 0.4425% | 5,800 |
| Retained earnings to average equity (ytd only) | 0.4425% | 5,038 |
| Net charge-offs to loans | 1.4852% | 1,274 |
| Credit loss provision to net charge-offs | 104.2467% | 4,409 |
| Earnings coverage of net charge-offs (x) | 1.0849% | 4,701 |
| Efficiency ratio | 71.5460% | 4,497 |
| Assets per employee ($millions) | 3.3382% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4807% | 920 |
| Loan loss allowance to noncurrent loans | 52.4617% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 6.6733% | 668 |
| Noncurrent loans to loans | 4.7285% | 1,333 |
| Net loans and leases to total assets | 72.8776% | 2,984 |
| Net loans and leases to deposits | 88.9284% | 3,003 |
| Net loans and leases to core deposits | 105.8548% | 3,854 |
| Total domestic deposits to total assets | 81.9508% | 4,711 |
| Equity capital to assets | 9.1257% | 5,130 |
| Core capital (leverage) ratio | 9.4300% | 3,991 |
| Tier 1 risk-based capital ratio | 12.7685% | 4,306 |
| Total risk-based capital ratio | 14.0334% | 4,211 |
| Memoranda: | ||
| Average total assets | $175,521,670 | 3,547 |
| Average earning assets | $157,815,330 | 3,602 |
| Average equity | $15,818,000 | 3,958 |
| Average total loans | $133,180,330 | 3,282 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3688% | 1,131 |
| Cost of funding earning assets | 2.4741% | 2,009 |
| Net interest margin | 3.8947% | 3,059 |
| Noninterest income to average assets | 0.5938% | 3,594 |
| Noninterest expense to average assets | 3.0869% | 3,425 |
| Loan and lease loss provision to assets | 0.9519% | 1,368 |
| Net operating income to assets | 0.0544% | 6,110 |
| Return on assets (ROA) | 0.0544% | 6,263 |
| Pretax return on assets | 0.0657% | 6,241 |
| Return on Equity (ROE) | 0.6073% | 6,248 |
| Retained earnings to average equity (ytd only) | 0.6073% | 5,414 |
| Net charge-offs to loans | 0.8776% | 1,491 |
| Credit loss provision to net charge-offs | 141.8919% | 2,884 |
| Earnings coverage of net charge-offs (x) | 1.5169% | 3,972 |
| Efficiency ratio | 75.2071% | 3,617 |
| Assets per employee ($millions) | 3.5555% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4917% | 773 |
| Loan loss allowance to noncurrent loans | 41.8039% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 7.5663% | 415 |
| Noncurrent loans to loans | 5.9604% | 813 |
| Net loans and leases to total assets | 72.6434% | 3,084 |
| Net loans and leases to deposits | 88.9597% | 3,114 |
| Net loans and leases to core deposits | 106.2522% | 3,881 |
| Total domestic deposits to total assets | 81.6587% | 4,696 |
| Equity capital to assets | 8.9046% | 5,469 |
| Core capital (leverage) ratio | 9.3551% | 4,167 |
| Tier 1 risk-based capital ratio | 12.4484% | 4,573 |
| Total risk-based capital ratio | 13.7133% | 4,494 |
| Memoranda: | ||
| Average total assets | $176,489,000 | 3,560 |
| Average earning assets | $159,088,500 | 3,591 |
| Average equity | $15,806,500 | 3,982 |
| Average total loans | $134,908,500 | 3,273 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0413% | 1,025 |
| Cost of funding earning assets | 2.9661% | 2,000 |
| Net interest margin | 4.0752% | 2,814 |
| Noninterest income to average assets | 0.4560% | 4,997 |
| Noninterest expense to average assets | 3.0836% | 3,766 |
| Loan and lease loss provision to assets | 1.6001% | 826 |
| Net operating income to assets | -0.2755% | 6,712 |
| Return on assets (ROA) | -0.2755% | 6,559 |
| Pretax return on assets | -0.5590% | 6,696 |
| Return on Equity (ROE) | -2.8872% | 6,606 |
| Retained earnings to average equity (ytd only) | -4.5992% | 6,436 |
| Net charge-offs to loans | 2.0446% | 521 |
| Credit loss provision to net charge-offs | 96.5979% | 5,492 |
| Earnings coverage of net charge-offs (x) | 0.6285% | 5,845 |
| Efficiency ratio | 74.7585% | 3,450 |
| Assets per employee ($millions) | 3.4354% | 4,840 |
| Cash dividends to net income (ytd only)* | -59.2975% | 8,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3119% | 842 |
| Loan loss allowance to noncurrent loans | 48.0993% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 6.1688% | 468 |
| Noncurrent loans to loans | 4.8065% | 944 |
| Net loans and leases to total assets | 76.5964% | 2,473 |
| Net loans and leases to deposits | 94.2786% | 2,714 |
| Net loans and leases to core deposits | 113.5998% | 3,384 |
| Total domestic deposits to total assets | 81.2447% | 4,533 |
| Equity capital to assets | 9.0084% | 5,356 |
| Core capital (leverage) ratio | 9.4275% | 4,118 |
| Tier 1 risk-based capital ratio | 12.2131% | 4,656 |
| Total risk-based capital ratio | 13.4765% | 4,537 |
| Memoranda: | ||
| Average total assets | $175,673,200 | 3,466 |
| Average earning assets | $158,152,200 | 3,505 |
| Average equity | $16,763,800 | 3,782 |
| Average total loans | $142,329,600 | 3,053 |