Home > Alliance Bank > Performance and Condition Ratios
Alliance 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 | 5.1317% | 2,861 |
| Cost of funding earning assets | 2.0700% | 1,734 |
| Net interest margin | 3.0617% | 3,275 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 2.2528% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7082% | 3,090 |
| Return on assets (ROA) | 0.7082% | 3,100 |
| Pretax return on assets | 1.0288% | 2,672 |
| Return on Equity (ROE) | 7.6200% | 2,964 |
| Retained earnings to average equity (ytd only) | -22.6788% | 4,402 |
| Net charge-offs to loans | 0.0509% | 1,150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 27.1486% | 1,293 |
| Efficiency ratio | 68.6486% | 1,972 |
| Assets per employee ($millions) | 7.6199% | 1,810 |
| Cash dividends to net income (ytd only)* | 397.6862% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 581 |
| Loan loss allowance to noncurrent loans | 20,536.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,343 |
| Noncurrent loans to loans | 0.0085% | 3,703 |
| Net loans and leases to total assets | 73.9500% | 1,337 |
| Net loans and leases to deposits | 83.5229% | 1,731 |
| Net loans and leases to core deposits | 96.0199% | 1,634 |
| Total domestic deposits to total assets | 88.5300% | 1,365 |
| Equity capital to assets | 9.1340% | 2,846 |
| Core capital (leverage) ratio | 9.3761% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7333% | 2,295 |
| Memoranda: | ||
| Average total assets | $781,088,500 | 1,264 |
| Average earning assets | $748,597,500 | 1,229 |
| Average equity | $72,614,000 | 1,320 |
| Average total loans | $581,083,500 | 1,180 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2369% | 2,658 |
| Cost of funding earning assets | 2.1081% | 1,962 |
| Net interest margin | 3.1288% | 2,878 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 2.4779% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6421% | 3,121 |
| Return on assets (ROA) | 0.6421% | 3,145 |
| Pretax return on assets | 0.9306% | 2,718 |
| Return on Equity (ROE) | 6.7800% | 3,085 |
| Retained earnings to average equity (ytd only) | -2.9047% | 4,203 |
| Net charge-offs to loans | -0.0313% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 72.6986% | 1,702 |
| Assets per employee ($millions) | 7.6955% | 1,717 |
| Cash dividends to net income (ytd only)* | 142.8280% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7919% | 538 |
| Loan loss allowance to noncurrent loans | 634.8680% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 2,267 |
| Noncurrent loans to loans | 0.2822% | 2,414 |
| Net loans and leases to total assets | 72.2100% | 1,646 |
| Net loans and leases to deposits | 81.7152% | 1,970 |
| Net loans and leases to core deposits | 94.0682% | 1,836 |
| Total domestic deposits to total assets | 88.3700% | 1,375 |
| Equity capital to assets | 9.4575% | 2,490 |
| Core capital (leverage) ratio | 9.8560% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6303% | 2,001 |
| Memoranda: | ||
| Average total assets | $763,302,200 | 1,268 |
| Average earning assets | $729,533,800 | 1,235 |
| Average equity | $72,263,200 | 1,294 |
| Average total loans | $578,782,800 | 1,165 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 2,609 |
| Cost of funding earning assets | 2.0930% | 1,999 |
| Net interest margin | 3.1326% | 2,832 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.5152% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6092% | 3,196 |
| Return on assets (ROA) | 0.6092% | 3,221 |
| Pretax return on assets | 0.8787% | 2,856 |
| Return on Equity (ROE) | 6.4300% | 3,203 |
| Retained earnings to average equity (ytd only) | -6.5708% | 4,377 |
| Net charge-offs to loans | -0.0039% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.1084% | 1,576 |
| Assets per employee ($millions) | 7.4533% | 1,838 |
| Cash dividends to net income (ytd only)* | 202.1369% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 595 |
| Loan loss allowance to noncurrent loans | 584.9425% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 2,329 |
| Noncurrent loans to loans | 0.2995% | 2,389 |
| Net loans and leases to total assets | 75.0700% | 1,246 |
| Net loans and leases to deposits | 85.3261% | 1,703 |
| Net loans and leases to core deposits | 98.3758% | 1,588 |
| Total domestic deposits to total assets | 87.9900% | 1,244 |
| Equity capital to assets | 9.6507% | 2,534 |
| Core capital (leverage) ratio | 9.9510% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1530% | 2,195 |
| Memoranda: | ||
| Average total assets | $757,891,500 | 1,263 |
| Average earning assets | $723,553,250 | 1,235 |
| Average equity | $71,770,000 | 1,292 |
| Average total loans | $579,188,000 | 1,153 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 2,585 |
| Cost of funding earning assets | 2.0328% | 2,043 |
| Net interest margin | 3.1529% | 2,736 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.5204% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6168% | 3,150 |
| Return on assets (ROA) | 0.6168% | 3,180 |
| Pretax return on assets | 0.8908% | 2,782 |
| Return on Equity (ROE) | 6.5600% | 3,110 |
| Retained earnings to average equity (ytd only) | -13.0971% | 4,466 |
| Net charge-offs to loans | -0.0055% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 73.8868% | 1,654 |
| Assets per employee ($millions) | 6.9168% | 2,130 |
| Cash dividends to net income (ytd only)* | 299.7859% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 612 |
| Loan loss allowance to noncurrent loans | 345.9211% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 1,593 |
| Noncurrent loans to loans | 0.5035% | 1,751 |
| Net loans and leases to total assets | 78.3100% | 872 |
| Net loans and leases to deposits | 96.9379% | 722 |
| Net loans and leases to core deposits | 106.7004% | 1,120 |
| Total domestic deposits to total assets | 80.7900% | 3,313 |
| Equity capital to assets | 9.5972% | 2,330 |
| Core capital (leverage) ratio | 9.9133% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7975% | 2,329 |
| Memoranda: | ||
| Average total assets | $757,110,000 | 1,259 |
| Average earning assets | $723,327,000 | 1,237 |
| Average equity | $71,237,333 | 1,295 |
| Average total loans | $578,610,000 | 1,154 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 2,493 |
| Cost of funding earning assets | 1.9887% | 2,019 |
| Net interest margin | 3.1673% | 2,632 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.4232% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6897% | 2,876 |
| Return on assets (ROA) | 0.6897% | 2,894 |
| Pretax return on assets | 0.9877% | 2,417 |
| Return on Equity (ROE) | 7.4000% | 2,847 |
| Retained earnings to average equity (ytd only) | -31.6658% | 4,490 |
| Net charge-offs to loans | -0.0056% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.0430% | 2,041 |
| Assets per employee ($millions) | 7.5749% | 1,711 |
| Cash dividends to net income (ytd only)* | 527.9035% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 601 |
| Loan loss allowance to noncurrent loans | 4,865.5502% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,552 |
| Noncurrent loans to loans | 0.0359% | 3,514 |
| Net loans and leases to total assets | 73.9400% | 1,340 |
| Net loans and leases to deposits | 90.0140% | 1,202 |
| Net loans and leases to core deposits | 97.4327% | 1,562 |
| Total domestic deposits to total assets | 82.1400% | 3,156 |
| Equity capital to assets | 8.9114% | 2,740 |
| Core capital (leverage) ratio | 9.3674% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7166% | 2,346 |
| Memoranda: | ||
| Average total assets | $769,075,500 | 1,253 |
| Average earning assets | $735,761,000 | 1,222 |
| Average equity | $71,673,500 | 1,282 |
| Average total loans | $575,741,500 | 1,155 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 2,640 |
| Cost of funding earning assets | 1.4768% | 2,001 |
| Net interest margin | 3.2402% | 2,775 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.4526% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7536% | 3,037 |
| Return on assets (ROA) | 0.7536% | 3,012 |
| Pretax return on assets | 1.0807% | 2,467 |
| Return on Equity (ROE) | 8.0900% | 2,995 |
| Retained earnings to average equity (ytd only) | -0.3210% | 4,125 |
| Net charge-offs to loans | -0.0108% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.4139% | 1,969 |
| Assets per employee ($millions) | 7.3607% | 1,837 |
| Cash dividends to net income (ytd only)* | 103.9681% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 556 |
| Loan loss allowance to noncurrent loans | 4,704.1667% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,486 |
| Noncurrent loans to loans | 0.0379% | 3,454 |
| Net loans and leases to total assets | 73.1400% | 1,457 |
| Net loans and leases to deposits | 92.7271% | 1,040 |
| Net loans and leases to core deposits | 100.1411% | 1,424 |
| Total domestic deposits to total assets | 78.8800% | 3,626 |
| Equity capital to assets | 9.7313% | 2,175 |
| Core capital (leverage) ratio | 10.2868% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3720% | 2,112 |
| Memoranda: | ||
| Average total assets | $765,786,800 | 1,220 |
| Average earning assets | $731,579,800 | 1,190 |
| Average equity | $71,332,000 | 1,231 |
| Average total loans | $564,246,400 | 1,125 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 2,679 |
| Cost of funding earning assets | 1.3414% | 2,026 |
| Net interest margin | 3.2577% | 2,784 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.4500% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7521% | 3,161 |
| Return on assets (ROA) | 0.7521% | 3,152 |
| Pretax return on assets | 1.0797% | 2,629 |
| Return on Equity (ROE) | 8.1700% | 3,134 |
| Retained earnings to average equity (ytd only) | -3.1754% | 4,370 |
| Net charge-offs to loans | -0.0142% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.4106% | 1,854 |
| Assets per employee ($millions) | 7.2659% | 1,777 |
| Cash dividends to net income (ytd only)* | 138.8889% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 556 |
| Loan loss allowance to noncurrent loans | 4,163.9344% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,488 |
| Noncurrent loans to loans | 0.0435% | 3,449 |
| Net loans and leases to total assets | 71.4800% | 1,641 |
| Net loans and leases to deposits | 89.6013% | 1,261 |
| Net loans and leases to core deposits | 96.4886% | 1,532 |
| Total domestic deposits to total assets | 79.7700% | 3,565 |
| Equity capital to assets | 9.1943% | 2,294 |
| Core capital (leverage) ratio | 10.1360% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2842% | 2,169 |
| Memoranda: | ||
| Average total assets | $765,856,250 | 1,216 |
| Average earning assets | $731,337,000 | 1,190 |
| Average equity | $70,541,500 | 1,239 |
| Average total loans | $562,793,250 | 1,128 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 2,710 |
| Cost of funding earning assets | 1.1437% | 2,152 |
| Net interest margin | 3.3314% | 2,682 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.3869% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8270% | 2,995 |
| Return on assets (ROA) | 0.8270% | 3,007 |
| Pretax return on assets | 1.1844% | 2,399 |
| Return on Equity (ROE) | 8.9700% | 2,993 |
| Retained earnings to average equity (ytd only) | -8.0595% | 4,485 |
| Net charge-offs to loans | -0.0071% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8352% | 2,129 |
| Assets per employee ($millions) | 7.0762% | 1,870 |
| Cash dividends to net income (ytd only)* | 189.8134% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 599 |
| Loan loss allowance to noncurrent loans | 6,208.5890% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,607 |
| Noncurrent loans to loans | 0.0291% | 3,546 |
| Net loans and leases to total assets | 71.9400% | 1,538 |
| Net loans and leases to deposits | 89.6805% | 1,211 |
| Net loans and leases to core deposits | 97.0781% | 1,408 |
| Total domestic deposits to total assets | 80.2200% | 3,541 |
| Equity capital to assets | 9.1638% | 2,400 |
| Core capital (leverage) ratio | 10.1430% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0199% | 2,288 |
| Memoranda: | ||
| Average total assets | $764,414,667 | 1,218 |
| Average earning assets | $730,804,000 | 1,188 |
| Average equity | $70,451,000 | 1,231 |
| Average total loans | $563,502,667 | 1,119 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 2,898 |
| Cost of funding earning assets | 0.8634% | 2,494 |
| Net interest margin | 3.3972% | 2,641 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.3534% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8900% | 2,890 |
| Return on assets (ROA) | 0.8900% | 2,842 |
| Pretax return on assets | 1.2709% | 2,257 |
| Return on Equity (ROE) | 9.6300% | 2,890 |
| Retained earnings to average equity (ytd only) | -24.3361% | 4,621 |
| Net charge-offs to loans | -0.0127% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.9343% | 2,336 |
| Assets per employee ($millions) | 7.0574% | 1,937 |
| Cash dividends to net income (ytd only)* | 352.7337% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 681 |
| Loan loss allowance to noncurrent loans | 6,930.1370% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,620 |
| Noncurrent loans to loans | 0.0257% | 3,583 |
| Net loans and leases to total assets | 72.5100% | 1,372 |
| Net loans and leases to deposits | 89.2579% | 1,112 |
| Net loans and leases to core deposits | 95.7361% | 1,299 |
| Total domestic deposits to total assets | 81.2300% | 3,600 |
| Equity capital to assets | 8.9800% | 2,540 |
| Core capital (leverage) ratio | 10.2393% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5681% | 2,549 |
| Memoranda: | ||
| Average total assets | $764,509,000 | 1,234 |
| Average earning assets | $731,077,500 | 1,201 |
| Average equity | $70,660,500 | 1,241 |
| Average total loans | $565,295,000 | 1,131 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 2,414 |
| Cost of funding earning assets | 0.3807% | 2,252 |
| Net interest margin | 3.3670% | 2,355 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.2997% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9590% | 2,730 |
| Return on assets (ROA) | 0.9590% | 2,677 |
| Pretax return on assets | 1.3672% | 1,877 |
| Return on Equity (ROE) | 10.3600% | 2,694 |
| Retained earnings to average equity (ytd only) | 3.4371% | 3,583 |
| Net charge-offs to loans | -0.0106% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7145% | 2,673 |
| Assets per employee ($millions) | 6.8447% | 2,085 |
| Cash dividends to net income (ytd only)* | 66.8271% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 669 |
| Loan loss allowance to noncurrent loans | 2,359.8131% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,244 |
| Noncurrent loans to loans | 0.0761% | 3,213 |
| Net loans and leases to total assets | 72.7300% | 1,341 |
| Net loans and leases to deposits | 82.0098% | 1,610 |
| Net loans and leases to core deposits | 87.9102% | 1,615 |
| Total domestic deposits to total assets | 88.6900% | 1,817 |
| Equity capital to assets | 9.5085% | 2,001 |
| Core capital (leverage) ratio | 10.2843% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2495% | 2,265 |
| Memoranda: | ||
| Average total assets | $780,205,400 | 1,205 |
| Average earning assets | $747,512,600 | 1,172 |
| Average equity | $72,212,200 | 1,223 |
| Average total loans | $539,443,600 | 1,114 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5039% | 2,602 |
| Cost of funding earning assets | 0.3065% | 2,097 |
| Net interest margin | 3.1973% | 2,631 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.2667% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8815% | 2,959 |
| Return on assets (ROA) | 0.8815% | 2,930 |
| Pretax return on assets | 1.2606% | 2,173 |
| Return on Equity (ROE) | 9.5900% | 2,848 |
| Retained earnings to average equity (ytd only) | 0.3545% | 4,287 |
| Net charge-offs to loans | -0.0135% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.2616% | 2,507 |
| Assets per employee ($millions) | 7.3909% | 1,683 |
| Cash dividends to net income (ytd only)* | 96.3020% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8409% | 678 |
| Loan loss allowance to noncurrent loans | 2,499.5050% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,385 |
| Noncurrent loans to loans | 0.0737% | 3,347 |
| Net loans and leases to total assets | 66.8400% | 1,800 |
| Net loans and leases to deposits | 74.3923% | 2,015 |
| Net loans and leases to core deposits | 79.5416% | 1,930 |
| Total domestic deposits to total assets | 89.8400% | 1,729 |
| Equity capital to assets | 8.5736% | 2,498 |
| Core capital (leverage) ratio | 9.8356% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1307% | 2,413 |
| Memoranda: | ||
| Average total assets | $785,315,750 | 1,207 |
| Average earning assets | $752,942,750 | 1,174 |
| Average equity | $72,204,750 | 1,233 |
| Average total loans | $533,627,500 | 1,124 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3782% | 2,496 |
| Cost of funding earning assets | 0.2700% | 2,028 |
| Net interest margin | 3.1082% | 2,509 |
| Noninterest income to average assets | 0.4637% | 2,377 |
| Noninterest expense to average assets | 2.2765% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8202% | 2,888 |
| Return on assets (ROA) | 0.8202% | 2,860 |
| Pretax return on assets | 1.1709% | 2,165 |
| Return on Equity (ROE) | 8.7181% | 2,787 |
| Retained earnings to average equity (ytd only) | -4.9338% | 4,538 |
| Net charge-offs to loans | -0.0095% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0358% | 2,501 |
| Assets per employee ($millions) | 7.0526% | 1,903 |
| Cash dividends to net income (ytd only)* | 156.5925% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 751 |
| Loan loss allowance to noncurrent loans | 2,443.6893% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,441 |
| Noncurrent loans to loans | 0.0754% | 3,419 |
| Net loans and leases to total assets | 70.3834% | 1,263 |
| Net loans and leases to deposits | 79.1912% | 1,448 |
| Net loans and leases to core deposits | 84.9461% | 1,398 |
| Total domestic deposits to total assets | 88.8777% | 2,236 |
| Equity capital to assets | 9.2653% | 2,193 |
| Core capital (leverage) ratio | 9.7927% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8417% | 2,553 |
| Memoranda: | ||
| Average total assets | $778,552,667 | 1,216 |
| Average earning assets | $747,383,333 | 1,190 |
| Average equity | $73,250,000 | 1,256 |
| Average total loans | $528,658,667 | 1,126 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1813% | 2,743 |
| Cost of funding earning assets | 0.2692% | 1,939 |
| Net interest margin | 2.9121% | 2,795 |
| Noninterest income to average assets | 0.4447% | 2,415 |
| Noninterest expense to average assets | 2.2338% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7136% | 3,004 |
| Return on assets (ROA) | 0.7136% | 2,994 |
| Pretax return on assets | 1.0150% | 2,390 |
| Return on Equity (ROE) | 7.5293% | 2,862 |
| Retained earnings to average equity (ytd only) | -19.2843% | 4,694 |
| Net charge-offs to loans | -0.0046% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7578% | 2,402 |
| Assets per employee ($millions) | 7.1417% | 1,895 |
| Cash dividends to net income (ytd only)* | 356.1254% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 753 |
| Loan loss allowance to noncurrent loans | 771.8126% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,648 |
| Noncurrent loans to loans | 0.2452% | 2,612 |
| Net loans and leases to total assets | 65.7026% | 1,440 |
| Net loans and leases to deposits | 74.7395% | 1,543 |
| Net loans and leases to core deposits | 80.1029% | 1,470 |
| Total domestic deposits to total assets | 87.9088% | 2,569 |
| Equity capital to assets | 8.9488% | 2,755 |
| Core capital (leverage) ratio | 9.4406% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8253% | 2,668 |
| Memoranda: | ||
| Average total assets | $786,989,000 | 1,206 |
| Average earning assets | $757,807,500 | 1,181 |
| Average equity | $74,589,000 | 1,263 |
| Average total loans | $519,906,000 | 1,127 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 2,093 |
| Cost of funding earning assets | 0.3331% | 2,088 |
| Net interest margin | 3.3747% | 2,104 |
| Noninterest income to average assets | 0.7100% | 1,731 |
| Noninterest expense to average assets | 2.3407% | 2,685 |
| Loan and lease loss provision to assets | -0.0387% | 4,305 |
| Net operating income to assets | 1.1656% | 2,038 |
| Return on assets (ROA) | 1.1656% | 2,102 |
| Pretax return on assets | 1.6533% | 1,263 |
| Return on Equity (ROE) | 11.7751% | 1,887 |
| Retained earnings to average equity (ytd only) | 6.5154% | 2,117 |
| Net charge-offs to loans | -0.0190% | 3,953 |
| Credit loss provision to net charge-offs | 294.0594% | 1,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1780% | 3,273 |
| Assets per employee ($millions) | 6.7934% | 2,073 |
| Cash dividends to net income (ytd only)* | 44.6678% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 628 |
| Loan loss allowance to noncurrent loans | 672.2892% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 2,604 |
| Noncurrent loans to loans | 0.2936% | 2,536 |
| Net loans and leases to total assets | 63.8561% | 1,718 |
| Net loans and leases to deposits | 72.9575% | 1,816 |
| Net loans and leases to core deposits | 78.3632% | 1,731 |
| Total domestic deposits to total assets | 87.5250% | 2,272 |
| Equity capital to assets | 10.0145% | 2,642 |
| Core capital (leverage) ratio | 9.7824% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9524% | 2,265 |
| Memoranda: | ||
| Average total assets | $768,258,600 | 1,198 |
| Average earning assets | $738,822,400 | 1,168 |
| Average equity | $76,050,600 | 1,260 |
| Average total loans | $532,181,400 | 1,110 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 1,921 |
| Cost of funding earning assets | 0.3460% | 2,158 |
| Net interest margin | 3.5022% | 1,857 |
| Noninterest income to average assets | 0.7581% | 1,647 |
| Noninterest expense to average assets | 2.3396% | 2,634 |
| Loan and lease loss provision to assets | -0.0518% | 4,464 |
| Net operating income to assets | 1.2949% | 1,843 |
| Return on assets (ROA) | 1.2949% | 1,904 |
| Pretax return on assets | 1.8343% | 1,082 |
| Return on Equity (ROE) | 13.1204% | 1,659 |
| Retained earnings to average equity (ytd only) | 6.0569% | 2,792 |
| Net charge-offs to loans | -0.0243% | 4,051 |
| Credit loss provision to net charge-offs | 303.0612% | 995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7563% | 3,443 |
| Assets per employee ($millions) | 7.3063% | 1,673 |
| Cash dividends to net income (ytd only)* | 53.8358% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9462% | 707 |
| Loan loss allowance to noncurrent loans | 428.6934% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 2,258 |
| Noncurrent loans to loans | 0.4540% | 2,203 |
| Net loans and leases to total assets | 65.3150% | 1,620 |
| Net loans and leases to deposits | 74.8778% | 1,770 |
| Net loans and leases to core deposits | 80.5347% | 1,688 |
| Total domestic deposits to total assets | 87.2288% | 2,255 |
| Equity capital to assets | 10.0335% | 2,870 |
| Core capital (leverage) ratio | 9.7892% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7690% | 2,444 |
| Memoranda: | ||
| Average total assets | $765,012,250 | 1,214 |
| Average earning assets | $734,837,000 | 1,183 |
| Average equity | $75,503,750 | 1,286 |
| Average total loans | $537,997,750 | 1,124 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 1,376 |
| Cost of funding earning assets | 0.3610% | 2,223 |
| Net interest margin | 3.7255% | 1,282 |
| Noninterest income to average assets | 0.7954% | 1,550 |
| Noninterest expense to average assets | 2.3485% | 2,620 |
| Loan and lease loss provision to assets | -0.0780% | 4,576 |
| Net operating income to assets | 1.4861% | 1,333 |
| Return on assets (ROA) | 1.4861% | 1,389 |
| Pretax return on assets | 2.1012% | 682 |
| Return on Equity (ROE) | 15.1425% | 1,120 |
| Retained earnings to average equity (ytd only) | 4.4430% | 3,381 |
| Net charge-offs to loans | -0.0253% | 4,086 |
| Credit loss provision to net charge-offs | 430.4348% | 731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7201% | 3,838 |
| Assets per employee ($millions) | 6.7587% | 1,977 |
| Cash dividends to net income (ytd only)* | 70.6589% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8520% | 810 |
| Loan loss allowance to noncurrent loans | 464.1168% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 2,509 |
| Noncurrent loans to loans | 0.3990% | 2,477 |
| Net loans and leases to total assets | 69.4660% | 1,268 |
| Net loans and leases to deposits | 79.1843% | 1,502 |
| Net loans and leases to core deposits | 85.5490% | 1,451 |
| Total domestic deposits to total assets | 87.7269% | 1,969 |
| Equity capital to assets | 9.9478% | 2,896 |
| Core capital (leverage) ratio | 9.5409% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4442% | 2,559 |
| Memoranda: | ||
| Average total assets | $761,860,333 | 1,217 |
| Average earning assets | $731,340,000 | 1,180 |
| Average equity | $74,769,667 | 1,287 |
| Average total loans | $545,369,000 | 1,116 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 945 |
| Cost of funding earning assets | 0.3766% | 2,300 |
| Net interest margin | 3.9893% | 857 |
| Noninterest income to average assets | 0.7959% | 1,591 |
| Noninterest expense to average assets | 2.2862% | 2,835 |
| Loan and lease loss provision to assets | 0.0536% | 2,035 |
| Net operating income to assets | 1.6222% | 1,079 |
| Return on assets (ROA) | 1.6222% | 1,134 |
| Pretax return on assets | 2.2872% | 598 |
| Return on Equity (ROE) | 16.6434% | 903 |
| Retained earnings to average equity (ytd only) | -4.9294% | 4,699 |
| Net charge-offs to loans | -0.0511% | 4,402 |
| Credit loss provision to net charge-offs | -145.7143% | 2,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4092% | 4,236 |
| Assets per employee ($millions) | 6.9150% | 1,851 |
| Cash dividends to net income (ytd only)* | 129.6176% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 746 |
| Loan loss allowance to noncurrent loans | 443.3986% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 2,624 |
| Noncurrent loans to loans | 0.4268% | 2,584 |
| Net loans and leases to total assets | 69.6908% | 1,335 |
| Net loans and leases to deposits | 79.8064% | 1,537 |
| Net loans and leases to core deposits | 85.9484% | 1,529 |
| Total domestic deposits to total assets | 87.3249% | 2,169 |
| Equity capital to assets | 9.4879% | 3,216 |
| Core capital (leverage) ratio | 9.4192% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0166% | 2,287 |
| Memoranda: | ||
| Average total assets | $760,926,500 | 1,199 |
| Average earning assets | $730,748,500 | 1,169 |
| Average equity | $74,167,500 | 1,290 |
| Average total loans | $547,782,500 | 1,114 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 1,714 |
| Cost of funding earning assets | 0.5916% | 2,374 |
| Net interest margin | 3.7605% | 1,614 |
| Noninterest income to average assets | 1.0101% | 1,029 |
| Noninterest expense to average assets | 2.7031% | 2,230 |
| Loan and lease loss provision to assets | 0.4026% | 779 |
| Net operating income to assets | 1.0463% | 2,117 |
| Return on assets (ROA) | 1.0463% | 2,257 |
| Pretax return on assets | 1.4868% | 1,375 |
| Return on Equity (ROE) | 10.0343% | 1,996 |
| Retained earnings to average equity (ytd only) | -0.1696% | 4,546 |
| Net charge-offs to loans | 0.1707% | 973 |
| Credit loss provision to net charge-offs | 297.5558% | 1,745 |
| Earnings coverage of net charge-offs (x) | 13.9649% | 2,249 |
| Efficiency ratio | 58.8585% | 3,603 |
| Assets per employee ($millions) | 6.4989% | 1,922 |
| Cash dividends to net income (ytd only)* | 101.6903% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 758 |
| Loan loss allowance to noncurrent loans | 414.3667% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 2,670 |
| Noncurrent loans to loans | 0.4531% | 2,613 |
| Net loans and leases to total assets | 71.6073% | 1,346 |
| Net loans and leases to deposits | 82.9802% | 1,546 |
| Net loans and leases to core deposits | 89.3662% | 1,577 |
| Total domestic deposits to total assets | 86.2945% | 2,234 |
| Equity capital to assets | 10.0155% | 3,124 |
| Core capital (leverage) ratio | 9.6108% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2097% | 2,166 |
| Memoranda: | ||
| Average total assets | $695,510,000 | 1,188 |
| Average earning assets | $662,577,800 | 1,161 |
| Average equity | $72,521,400 | 1,260 |
| Average total loans | $551,315,000 | 1,053 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 2,340 |
| Cost of funding earning assets | 0.6391% | 2,381 |
| Net interest margin | 3.5811% | 2,333 |
| Noninterest income to average assets | 0.9355% | 1,142 |
| Noninterest expense to average assets | 2.6412% | 2,413 |
| Loan and lease loss provision to assets | 0.1612% | 2,386 |
| Net operating income to assets | 1.0814% | 2,044 |
| Return on assets (ROA) | 1.0814% | 2,174 |
| Pretax return on assets | 1.5381% | 1,362 |
| Return on Equity (ROE) | 10.2604% | 1,928 |
| Retained earnings to average equity (ytd only) | -3.4547% | 4,793 |
| Net charge-offs to loans | -0.0041% | 4,011 |
| Credit loss provision to net charge-offs | -4,852.9412% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8506% | 3,246 |
| Assets per employee ($millions) | 6.3874% | 1,923 |
| Cash dividends to net income (ytd only)* | 133.6705% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,163 |
| Loan loss allowance to noncurrent loans | 192.7885% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 1,768 |
| Noncurrent loans to loans | 0.8195% | 1,784 |
| Net loans and leases to total assets | 78.2160% | 803 |
| Net loans and leases to deposits | 90.7982% | 1,181 |
| Net loans and leases to core deposits | 97.7676% | 1,323 |
| Total domestic deposits to total assets | 86.1427% | 2,008 |
| Equity capital to assets | 9.9584% | 3,261 |
| Core capital (leverage) ratio | 9.7525% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6439% | 2,348 |
| Memoranda: | ||
| Average total assets | $682,545,250 | 1,187 |
| Average earning assets | $648,986,750 | 1,158 |
| Average equity | $71,938,500 | 1,253 |
| Average total loans | $552,791,250 | 1,045 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,223 |
| Cost of funding earning assets | 0.6946% | 2,420 |
| Net interest margin | 3.7018% | 2,155 |
| Noninterest income to average assets | 0.8223% | 1,368 |
| Noninterest expense to average assets | 2.6903% | 2,413 |
| Loan and lease loss provision to assets | 0.1353% | 2,661 |
| Net operating income to assets | 1.0637% | 2,099 |
| Return on assets (ROA) | 1.0637% | 2,222 |
| Pretax return on assets | 1.5108% | 1,427 |
| Return on Equity (ROE) | 9.8917% | 2,016 |
| Retained earnings to average equity (ytd only) | -10.7975% | 4,933 |
| Net charge-offs to loans | -0.0103% | 4,218 |
| Credit loss provision to net charge-offs | -1,607.1429% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0398% | 3,119 |
| Assets per employee ($millions) | 6.1161% | 2,075 |
| Cash dividends to net income (ytd only)* | 209.1577% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 1,243 |
| Loan loss allowance to noncurrent loans | 115.8797% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 1,117 |
| Noncurrent loans to loans | 1.2992% | 1,195 |
| Net loans and leases to total assets | 79.6342% | 633 |
| Net loans and leases to deposits | 92.4306% | 1,107 |
| Net loans and leases to core deposits | 101.1651% | 1,178 |
| Total domestic deposits to total assets | 86.1557% | 1,946 |
| Equity capital to assets | 9.7767% | 3,398 |
| Core capital (leverage) ratio | 9.9485% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1842% | 2,532 |
| Memoranda: | ||
| Average total assets | $665,210,667 | 1,193 |
| Average earning assets | $631,484,667 | 1,170 |
| Average equity | $71,535,000 | 1,241 |
| Average total loans | $542,469,000 | 1,050 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,814 |
| Cost of funding earning assets | 0.7875% | 2,461 |
| Net interest margin | 3.8750% | 1,746 |
| Noninterest income to average assets | 0.6739% | 1,756 |
| Noninterest expense to average assets | 2.7070% | 2,691 |
| Loan and lease loss provision to assets | 0.0473% | 3,188 |
| Net operating income to assets | 1.1226% | 1,776 |
| Return on assets (ROA) | 1.1226% | 1,875 |
| Pretax return on assets | 1.5958% | 1,062 |
| Return on Equity (ROE) | 9.9213% | 1,770 |
| Retained earnings to average equity (ytd only) | -31.3477% | 5,045 |
| Net charge-offs to loans | -0.0062% | 3,918 |
| Credit loss provision to net charge-offs | -937.5000% | 3,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2280% | 3,474 |
| Assets per employee ($millions) | 5.4133% | 2,211 |
| Cash dividends to net income (ytd only)* | 415.9640% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 1,003 |
| Loan loss allowance to noncurrent loans | 104.8303% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 916 |
| Noncurrent loans to loans | 1.5505% | 1,015 |
| Net loans and leases to total assets | 81.5822% | 494 |
| Net loans and leases to deposits | 95.7474% | 936 |
| Net loans and leases to core deposits | 106.4322% | 1,032 |
| Total domestic deposits to total assets | 85.2056% | 2,328 |
| Equity capital to assets | 10.9945% | 2,858 |
| Core capital (leverage) ratio | 10.6979% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7574% | 2,823 |
| Memoranda: | ||
| Average total assets | $633,911,000 | 1,208 |
| Average earning assets | $601,390,000 | 1,183 |
| Average equity | $71,724,500 | 1,240 |
| Average total loans | $519,481,000 | 1,064 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8733% | 1,835 |
| Cost of funding earning assets | 0.7457% | 2,941 |
| Net interest margin | 4.1276% | 1,475 |
| Noninterest income to average assets | 0.2806% | 4,003 |
| Noninterest expense to average assets | 2.8250% | 2,517 |
| Loan and lease loss provision to assets | -0.4223% | 5,160 |
| Net operating income to assets | 1.7075% | 644 |
| Return on assets (ROA) | 1.7077% | 691 |
| Pretax return on assets | 1.8215% | 887 |
| Return on Equity (ROE) | 15.0393% | 684 |
| Retained earnings to average equity (ytd only) | 7.6763% | 1,088 |
| Net charge-offs to loans | -0.8115% | 5,132 |
| Credit loss provision to net charge-offs | 63.1988% | 3,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8781% | 2,633 |
| Assets per employee ($millions) | 5.4691% | 2,091 |
| Cash dividends to net income (ytd only)* | 48.9586% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 944 |
| Loan loss allowance to noncurrent loans | 133.6736% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 1,045 |
| Noncurrent loans to loans | 1.2097% | 1,244 |
| Net loans and leases to total assets | 79.6758% | 828 |
| Net loans and leases to deposits | 94.1254% | 1,140 |
| Net loans and leases to core deposits | 104.3745% | 1,207 |
| Total domestic deposits to total assets | 84.6486% | 2,626 |
| Equity capital to assets | 11.6287% | 2,400 |
| Core capital (leverage) ratio | 11.4525% | 2,147 |
| Tier 1 risk-based capital ratio | 12.5055% | 4,066 |
| Total risk-based capital ratio | 13.7580% | 3,947 |
| Memoranda: | ||
| Average total assets | $615,746,800 | 1,200 |
| Average earning assets | $588,288,000 | 1,181 |
| Average equity | $69,916,600 | 1,223 |
| Average total loans | $506,951,000 | 1,069 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8962% | 1,829 |
| Cost of funding earning assets | 0.7239% | 3,102 |
| Net interest margin | 4.1723% | 1,442 |
| Noninterest income to average assets | 0.2615% | 4,177 |
| Noninterest expense to average assets | 2.8295% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5736% | 987 |
| Return on assets (ROA) | 1.5736% | 1,045 |
| Pretax return on assets | 1.4297% | 2,192 |
| Return on Equity (ROE) | 13.9468% | 994 |
| Retained earnings to average equity (ytd only) | 3.9693% | 3,412 |
| Net charge-offs to loans | -1.0846% | 5,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4322% | 2,670 |
| Assets per employee ($millions) | 5.4479% | 2,078 |
| Cash dividends to net income (ytd only)* | 71.5397% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 380 |
| Loan loss allowance to noncurrent loans | 168.9724% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 1,014 |
| Noncurrent loans to loans | 1.2548% | 1,243 |
| Net loans and leases to total assets | 79.4369% | 921 |
| Net loans and leases to deposits | 93.1583% | 1,302 |
| Net loans and leases to core deposits | 105.0391% | 1,256 |
| Total domestic deposits to total assets | 85.2708% | 2,311 |
| Equity capital to assets | 11.1589% | 2,958 |
| Core capital (leverage) ratio | 11.2984% | 2,378 |
| Tier 1 risk-based capital ratio | 11.7405% | 4,553 |
| Total risk-based capital ratio | 12.9982% | 4,443 |
| Memoranda: | ||
| Average total assets | $609,713,000 | 1,210 |
| Average earning assets | $584,193,000 | 1,185 |
| Average equity | $68,793,250 | 1,234 |
| Average total loans | $504,136,000 | 1,068 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 1,712 |
| Cost of funding earning assets | 0.6984% | 3,174 |
| Net interest margin | 4.2153% | 1,327 |
| Noninterest income to average assets | 0.5572% | 2,353 |
| Noninterest expense to average assets | 3.2630% | 1,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8016% | 592 |
| Return on assets (ROA) | 1.8016% | 617 |
| Pretax return on assets | 1.3186% | 2,485 |
| Return on Equity (ROE) | 15.9053% | 603 |
| Retained earnings to average equity (ytd only) | 0.7675% | 4,496 |
| Net charge-offs to loans | -0.2309% | 5,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2198% | 2,032 |
| Assets per employee ($millions) | 5.2132% | 2,246 |
| Cash dividends to net income (ytd only)* | 95.1747% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 1,361 |
| Loan loss allowance to noncurrent loans | 124.5233% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.2611% | 1,032 |
| Noncurrent loans to loans | 1.1809% | 1,363 |
| Net loans and leases to total assets | 82.4764% | 538 |
| Net loans and leases to deposits | 99.3665% | 722 |
| Net loans and leases to core deposits | 112.7638% | 834 |
| Total domestic deposits to total assets | 83.0023% | 3,205 |
| Equity capital to assets | 11.4584% | 2,633 |
| Core capital (leverage) ratio | 11.2043% | 2,416 |
| Tier 1 risk-based capital ratio | 11.6550% | 4,606 |
| Total risk-based capital ratio | 12.9056% | 4,503 |
| Memoranda: | ||
| Average total assets | $600,481,330 | 1,226 |
| Average earning assets | $573,291,330 | 1,200 |
| Average equity | $68,015,000 | 1,238 |
| Average total loans | $499,746,330 | 1,080 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8519% | 1,762 |
| Cost of funding earning assets | 0.6761% | 3,172 |
| Net interest margin | 4.1758% | 1,361 |
| Noninterest income to average assets | 0.2567% | 4,173 |
| Noninterest expense to average assets | 2.8819% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.7174% | 114 |
| Return on assets (ROA) | 2.7174% | 124 |
| Pretax return on assets | 1.3631% | 2,223 |
| Return on Equity (ROE) | 24.1332% | 118 |
| Retained earnings to average equity (ytd only) | -6.4296% | 4,990 |
| Net charge-offs to loans | -0.0580% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8898% | 2,656 |
| Assets per employee ($millions) | 5.1089% | 2,388 |
| Cash dividends to net income (ytd only)* | 126.6421% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,745 |
| Loan loss allowance to noncurrent loans | 120.1767% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 925 |
| Noncurrent loans to loans | 1.1507% | 1,452 |
| Net loans and leases to total assets | 82.0850% | 580 |
| Net loans and leases to deposits | 94.3230% | 1,135 |
| Net loans and leases to core deposits | 106.3771% | 1,151 |
| Total domestic deposits to total assets | 87.0254% | 1,801 |
| Equity capital to assets | 11.1748% | 2,682 |
| Core capital (leverage) ratio | 11.0024% | 2,571 |
| Tier 1 risk-based capital ratio | 11.5488% | 4,720 |
| Total risk-based capital ratio | 12.7678% | 4,627 |
| Memoranda: | ||
| Average total assets | $598,355,500 | 1,229 |
| Average earning assets | $571,486,000 | 1,205 |
| Average equity | $67,376,000 | 1,240 |
| Average total loans | $496,516,500 | 1,088 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 1,931 |
| Cost of funding earning assets | 0.4891% | 3,426 |
| Net interest margin | 4.1796% | 1,449 |
| Noninterest income to average assets | 0.5222% | 2,705 |
| Noninterest expense to average assets | 2.9585% | 2,169 |
| Loan and lease loss provision to assets | -0.1536% | 5,302 |
| Net operating income to assets | 1.7108% | 677 |
| Return on assets (ROA) | 1.7108% | 664 |
| Pretax return on assets | 1.7108% | 1,141 |
| Return on Equity (ROE) | 15.5202% | 717 |
| Retained earnings to average equity (ytd only) | 2.5274% | 4,136 |
| Net charge-offs to loans | -0.2585% | 5,295 |
| Credit loss provision to net charge-offs | 71.8354% | 2,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5154% | 2,950 |
| Assets per employee ($millions) | 5.0328% | 2,454 |
| Cash dividends to net income (ytd only)* | 83.7156% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,648 |
| Loan loss allowance to noncurrent loans | 125.0364% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4263% | 833 |
| Noncurrent loans to loans | 1.1180% | 1,447 |
| Net loans and leases to total assets | 81.5642% | 717 |
| Net loans and leases to deposits | 95.0354% | 1,168 |
| Net loans and leases to core deposits | 107.8154% | 1,132 |
| Total domestic deposits to total assets | 85.8251% | 2,316 |
| Equity capital to assets | 11.3469% | 2,372 |
| Core capital (leverage) ratio | 11.2961% | 2,269 |
| Tier 1 risk-based capital ratio | 12.1621% | 4,320 |
| Total risk-based capital ratio | 13.4120% | 4,210 |
| Memoranda: | ||
| Average total assets | $591,185,800 | 1,222 |
| Average earning assets | $564,865,800 | 1,192 |
| Average equity | $65,166,600 | 1,235 |
| Average total loans | $488,974,200 | 1,068 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,885 |
| Cost of funding earning assets | 0.4570% | 3,480 |
| Net interest margin | 4.1779% | 1,423 |
| Noninterest income to average assets | 0.5207% | 2,738 |
| Noninterest expense to average assets | 2.9614% | 2,138 |
| Loan and lease loss provision to assets | 0.2032% | 843 |
| Net operating income to assets | 1.3502% | 1,661 |
| Return on assets (ROA) | 1.3502% | 1,679 |
| Pretax return on assets | 1.3502% | 2,427 |
| Return on Equity (ROE) | 12.3400% | 1,662 |
| Retained earnings to average equity (ytd only) | -1.0050% | 5,136 |
| Net charge-offs to loans | -0.1684% | 5,272 |
| Credit loss provision to net charge-offs | -145.8671% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5931% | 2,942 |
| Assets per employee ($millions) | 4.8372% | 2,672 |
| Cash dividends to net income (ytd only)* | 108.1439% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 942 |
| Loan loss allowance to noncurrent loans | 147.6007% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.4263% | 928 |
| Noncurrent loans to loans | 1.1271% | 1,508 |
| Net loans and leases to total assets | 80.4087% | 956 |
| Net loans and leases to deposits | 92.0351% | 1,622 |
| Net loans and leases to core deposits | 108.8931% | 1,105 |
| Total domestic deposits to total assets | 87.3674% | 1,566 |
| Equity capital to assets | 10.9423% | 2,714 |
| Core capital (leverage) ratio | 11.0111% | 2,564 |
| Tier 1 risk-based capital ratio | 11.8508% | 4,579 |
| Total risk-based capital ratio | 13.1035% | 4,465 |
| Memoranda: | ||
| Average total assets | $590,516,000 | 1,225 |
| Average earning assets | $564,538,500 | 1,193 |
| Average equity | $64,612,000 | 1,241 |
| Average total loans | $488,405,750 | 1,073 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 1,687 |
| Cost of funding earning assets | 0.4252% | 3,536 |
| Net interest margin | 4.2075% | 1,274 |
| Noninterest income to average assets | 0.4639% | 3,071 |
| Noninterest expense to average assets | 2.9595% | 2,174 |
| Loan and lease loss provision to assets | 0.2032% | 838 |
| Net operating income to assets | 1.3219% | 1,695 |
| Return on assets (ROA) | 1.3219% | 1,696 |
| Pretax return on assets | 1.3219% | 2,426 |
| Return on Equity (ROE) | 12.0821% | 1,695 |
| Retained earnings to average equity (ytd only) | -4.6484% | 5,273 |
| Net charge-offs to loans | -0.0832% | 5,100 |
| Credit loss provision to net charge-offs | -294.1176% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9921% | 2,982 |
| Assets per employee ($millions) | 4.7642% | 2,725 |
| Cash dividends to net income (ytd only)* | 138.4734% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 1,398 |
| Loan loss allowance to noncurrent loans | 466.2205% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8608% | 1,732 |
| Noncurrent loans to loans | 0.3216% | 3,556 |
| Net loans and leases to total assets | 82.0045% | 714 |
| Net loans and leases to deposits | 98.3892% | 940 |
| Net loans and leases to core deposits | 113.9396% | 797 |
| Total domestic deposits to total assets | 83.3470% | 3,310 |
| Equity capital to assets | 10.8770% | 2,754 |
| Core capital (leverage) ratio | 10.9036% | 2,606 |
| Tier 1 risk-based capital ratio | 11.7098% | 4,682 |
| Total risk-based capital ratio | 12.9609% | 4,554 |
| Memoranda: | ||
| Average total assets | $590,643,670 | 1,222 |
| Average earning assets | $564,425,330 | 1,196 |
| Average equity | $64,624,670 | 1,243 |
| Average total loans | $490,359,000 | 1,069 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 1,648 |
| Cost of funding earning assets | 0.4016% | 3,570 |
| Net interest margin | 4.1723% | 1,239 |
| Noninterest income to average assets | 0.4284% | 3,255 |
| Noninterest expense to average assets | 2.8926% | 2,395 |
| Loan and lease loss provision to assets | 0.2024% | 824 |
| Net operating income to assets | 1.3215% | 1,575 |
| Return on assets (ROA) | 1.3215% | 1,580 |
| Pretax return on assets | 1.3215% | 2,282 |
| Return on Equity (ROE) | 12.0428% | 1,566 |
| Retained earnings to average equity (ytd only) | -9.1412% | 5,346 |
| Net charge-offs to loans | -0.1513% | 5,318 |
| Credit loss provision to net charge-offs | -161.2903% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4956% | 3,248 |
| Assets per employee ($millions) | 4.7681% | 2,768 |
| Cash dividends to net income (ytd only)* | 175.9061% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 1,765 |
| Loan loss allowance to noncurrent loans | 391.3311% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 1,696 |
| Noncurrent loans to loans | 0.3627% | 3,473 |
| Net loans and leases to total assets | 82.1996% | 640 |
| Net loans and leases to deposits | 95.8890% | 1,045 |
| Net loans and leases to core deposits | 113.5897% | 824 |
| Total domestic deposits to total assets | 85.7237% | 2,667 |
| Equity capital to assets | 10.8246% | 2,748 |
| Core capital (leverage) ratio | 10.8196% | 2,614 |
| Tier 1 risk-based capital ratio | 11.5743% | 4,824 |
| Total risk-based capital ratio | 12.8246% | 4,713 |
| Memoranda: | ||
| Average total assets | $592,970,000 | 1,224 |
| Average earning assets | $566,781,000 | 1,193 |
| Average equity | $65,068,000 | 1,235 |
| Average total loans | $491,611,500 | 1,071 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,390 |
| Cost of funding earning assets | 0.3238% | 3,922 |
| Net interest margin | 4.2898% | 981 |
| Noninterest income to average assets | 0.3089% | 4,247 |
| Noninterest expense to average assets | 2.9636% | 2,267 |
| Loan and lease loss provision to assets | 0.3711% | 407 |
| Net operating income to assets | 1.0464% | 2,067 |
| Return on assets (ROA) | 1.0464% | 2,099 |
| Pretax return on assets | 1.0464% | 3,393 |
| Return on Equity (ROE) | 9.4141% | 2,134 |
| Retained earnings to average equity (ytd only) | 0.1320% | 4,962 |
| Net charge-offs to loans | 0.3197% | 793 |
| Credit loss provision to net charge-offs | 141.9355% | 1,868 |
| Earnings coverage of net charge-offs (x) | 5.4213% | 3,330 |
| Efficiency ratio | 67.6447% | 2,971 |
| Assets per employee ($millions) | 4.7960% | 2,739 |
| Cash dividends to net income (ytd only)* | 98.5975% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,080 |
| Loan loss allowance to noncurrent loans | 357.5508% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 1,583 |
| Noncurrent loans to loans | 0.3715% | 3,430 |
| Net loans and leases to total assets | 81.3382% | 769 |
| Net loans and leases to deposits | 98.7363% | 846 |
| Net loans and leases to core deposits | 110.1883% | 987 |
| Total domestic deposits to total assets | 82.3792% | 3,763 |
| Equity capital to assets | 11.1211% | 2,517 |
| Core capital (leverage) ratio | 10.9957% | 2,342 |
| Tier 1 risk-based capital ratio | 11.9516% | 4,563 |
| Total risk-based capital ratio | 13.1455% | 4,477 |
| Memoranda: | ||
| Average total assets | $592,786,200 | 1,209 |
| Average earning assets | $562,734,400 | 1,178 |
| Average equity | $65,890,200 | 1,211 |
| Average total loans | $484,863,600 | 1,061 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 1,331 |
| Cost of funding earning assets | 0.3210% | 3,927 |
| Net interest margin | 4.2930% | 940 |
| Noninterest income to average assets | 0.4419% | 3,387 |
| Noninterest expense to average assets | 2.9146% | 2,351 |
| Loan and lease loss provision to assets | 0.3602% | 408 |
| Net operating income to assets | 1.2367% | 1,555 |
| Return on assets (ROA) | 1.2367% | 1,582 |
| Pretax return on assets | 1.2367% | 2,759 |
| Return on Equity (ROE) | 11.1276% | 1,644 |
| Retained earnings to average equity (ytd only) | 0.9479% | 4,993 |
| Net charge-offs to loans | 0.4451% | 467 |
| Credit loss provision to net charge-offs | 99.1326% | 2,327 |
| Earnings coverage of net charge-offs (x) | 4.3953% | 3,236 |
| Efficiency ratio | 64.6043% | 3,434 |
| Assets per employee ($millions) | 4.6231% | 2,941 |
| Cash dividends to net income (ytd only)* | 91.4817% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 3,030 |
| Loan loss allowance to noncurrent loans | 316.9106% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 1,433 |
| Noncurrent loans to loans | 0.3730% | 3,617 |
| Net loans and leases to total assets | 81.9512% | 698 |
| Net loans and leases to deposits | 97.4465% | 971 |
| Net loans and leases to core deposits | 106.2058% | 1,257 |
| Total domestic deposits to total assets | 84.0986% | 3,083 |
| Equity capital to assets | 11.2529% | 2,615 |
| Core capital (leverage) ratio | 11.1374% | 2,339 |
| Tier 1 risk-based capital ratio | 11.9146% | 4,690 |
| Total risk-based capital ratio | 12.9773% | 4,692 |
| Memoranda: | ||
| Average total assets | $592,307,500 | 1,215 |
| Average earning assets | $561,485,250 | 1,188 |
| Average equity | $65,828,500 | 1,218 |
| Average total loans | $483,522,000 | 1,065 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5449% | 1,403 |
| Cost of funding earning assets | 0.3184% | 3,892 |
| Net interest margin | 4.2265% | 1,018 |
| Noninterest income to average assets | 0.3818% | 3,819 |
| Noninterest expense to average assets | 2.9255% | 2,342 |
| Loan and lease loss provision to assets | 0.3384% | 433 |
| Net operating income to assets | 1.1206% | 1,887 |
| Return on assets (ROA) | 1.1206% | 1,936 |
| Pretax return on assets | 1.1206% | 3,088 |
| Return on Equity (ROE) | 10.1252% | 1,975 |
| Retained earnings to average equity (ytd only) | -2.6299% | 5,390 |
| Net charge-offs to loans | -0.1071% | 5,431 |
| Credit loss provision to net charge-offs | -389.1051% | 4,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7233% | 3,224 |
| Assets per employee ($millions) | 4.5234% | 3,063 |
| Cash dividends to net income (ytd only)* | 125.9740% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,717 |
| Loan loss allowance to noncurrent loans | 172.2652% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.8130% | 763 |
| Noncurrent loans to loans | 0.8487% | 2,285 |
| Net loans and leases to total assets | 81.5795% | 730 |
| Net loans and leases to deposits | 99.4405% | 780 |
| Net loans and leases to core deposits | 108.6318% | 1,074 |
| Total domestic deposits to total assets | 82.0385% | 3,880 |
| Equity capital to assets | 11.1816% | 2,619 |
| Core capital (leverage) ratio | 10.9790% | 2,434 |
| Tier 1 risk-based capital ratio | 11.8142% | 4,749 |
| Total risk-based capital ratio | 13.0650% | 4,638 |
| Memoranda: | ||
| Average total assets | $590,949,330 | 1,219 |
| Average earning assets | $559,664,330 | 1,194 |
| Average equity | $65,401,330 | 1,223 |
| Average total loans | $479,833,000 | 1,075 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 1,787 |
| Cost of funding earning assets | 0.3015% | 4,028 |
| Net interest margin | 4.0582% | 1,325 |
| Noninterest income to average assets | 0.4463% | 3,335 |
| Noninterest expense to average assets | 2.9243% | 2,382 |
| Loan and lease loss provision to assets | 0.2701% | 539 |
| Net operating income to assets | 1.0965% | 1,886 |
| Return on assets (ROA) | 1.0965% | 1,927 |
| Pretax return on assets | 1.0965% | 3,003 |
| Return on Equity (ROE) | 9.9592% | 1,982 |
| Retained earnings to average equity (ytd only) | -10.7074% | 5,595 |
| Net charge-offs to loans | -0.1621% | 5,580 |
| Credit loss provision to net charge-offs | -207.2539% | 4,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1511% | 3,169 |
| Assets per employee ($millions) | 4.5885% | 3,024 |
| Cash dividends to net income (ytd only)* | 207.5123% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 2,415 |
| Loan loss allowance to noncurrent loans | 153.4475% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.9889% | 665 |
| Noncurrent loans to loans | 0.8638% | 2,305 |
| Net loans and leases to total assets | 80.5451% | 762 |
| Net loans and leases to deposits | 95.1324% | 997 |
| Net loans and leases to core deposits | 103.4750% | 1,253 |
| Total domestic deposits to total assets | 84.6663% | 3,233 |
| Equity capital to assets | 10.8048% | 2,851 |
| Core capital (leverage) ratio | 10.7334% | 2,658 |
| Tier 1 risk-based capital ratio | 11.5947% | 4,977 |
| Total risk-based capital ratio | 12.7761% | 4,917 |
| Memoranda: | ||
| Average total assets | $592,406,000 | 1,219 |
| Average earning assets | $561,238,000 | 1,189 |
| Average equity | $65,226,000 | 1,224 |
| Average total loans | $476,332,000 | 1,074 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 2,202 |
| Cost of funding earning assets | 0.3047% | 4,018 |
| Net interest margin | 3.9780% | 1,701 |
| Noninterest income to average assets | 0.6282% | 2,515 |
| Noninterest expense to average assets | 2.9535% | 2,486 |
| Loan and lease loss provision to assets | 0.3604% | 464 |
| Net operating income to assets | 1.0960% | 1,915 |
| Return on assets (ROA) | 1.0960% | 2,010 |
| Pretax return on assets | 1.0960% | 3,118 |
| Return on Equity (ROE) | 9.3622% | 2,245 |
| Retained earnings to average equity (ytd only) | -8.8374% | 5,772 |
| Net charge-offs to loans | 1.1601% | 150 |
| Credit loss provision to net charge-offs | 39.2523% | 3,501 |
| Earnings coverage of net charge-offs (x) | 1.5864% | 3,968 |
| Efficiency ratio | 66.9754% | 3,446 |
| Assets per employee ($millions) | 4.5962% | 2,967 |
| Cash dividends to net income (ytd only)* | 194.3949% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,767 |
| Loan loss allowance to noncurrent loans | 53.0743% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 3.2078% | 286 |
| Noncurrent loans to loans | 2.3710% | 686 |
| Net loans and leases to total assets | 78.1724% | 1,180 |
| Net loans and leases to deposits | 91.6670% | 1,493 |
| Net loans and leases to core deposits | 99.9209% | 1,630 |
| Total domestic deposits to total assets | 85.2787% | 2,933 |
| Equity capital to assets | 11.2188% | 2,399 |
| Core capital (leverage) ratio | 11.2261% | 2,141 |
| Tier 1 risk-based capital ratio | 12.1498% | 4,619 |
| Total risk-based capital ratio | 13.2439% | 4,614 |
| Memoranda: | ||
| Average total assets | $582,757,600 | 1,198 |
| Average earning assets | $554,000,600 | 1,161 |
| Average equity | $68,221,400 | 1,145 |
| Average total loans | $461,161,800 | 1,056 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,238 |
| Cost of funding earning assets | 0.3044% | 4,051 |
| Net interest margin | 3.9720% | 1,738 |
| Noninterest income to average assets | 0.6077% | 2,624 |
| Noninterest expense to average assets | 2.9699% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4175% | 1,036 |
| Return on assets (ROA) | 1.4175% | 1,086 |
| Pretax return on assets | 1.4175% | 1,978 |
| Return on Equity (ROE) | 11.9825% | 1,329 |
| Retained earnings to average equity (ytd only) | -12.0872% | 5,867 |
| Net charge-offs to loans | -0.1539% | 5,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6912% | 3,284 |
| Assets per employee ($millions) | 4.3000% | 3,416 |
| Cash dividends to net income (ytd only)* | 200.8735% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0732% | 632 |
| Loan loss allowance to noncurrent loans | 84.8170% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 3.3459% | 311 |
| Noncurrent loans to loans | 2.4443% | 727 |
| Net loans and leases to total assets | 79.0428% | 1,033 |
| Net loans and leases to deposits | 92.6785% | 1,413 |
| Net loans and leases to core deposits | 101.3009% | 1,532 |
| Total domestic deposits to total assets | 85.2871% | 2,682 |
| Equity capital to assets | 11.7454% | 2,307 |
| Core capital (leverage) ratio | 11.2163% | 2,254 |
| Tier 1 risk-based capital ratio | 12.0882% | 4,731 |
| Total risk-based capital ratio | 13.3450% | 4,638 |
| Memoranda: | ||
| Average total assets | $581,369,750 | 1,208 |
| Average earning assets | $553,219,000 | 1,165 |
| Average equity | $68,776,500 | 1,147 |
| Average total loans | $460,013,250 | 1,056 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 2,339 |
| Cost of funding earning assets | 0.2988% | 4,145 |
| Net interest margin | 3.9502% | 1,803 |
| Noninterest income to average assets | 0.5865% | 2,688 |
| Noninterest expense to average assets | 2.9306% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4145% | 1,041 |
| Return on assets (ROA) | 1.4145% | 1,089 |
| Pretax return on assets | 1.4145% | 1,969 |
| Return on Equity (ROE) | 11.9289% | 1,349 |
| Retained earnings to average equity (ytd only) | -18.1739% | 5,962 |
| Net charge-offs to loans | -0.2012% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4455% | 3,462 |
| Assets per employee ($millions) | 4.4330% | 3,154 |
| Cash dividends to net income (ytd only)* | 252.3521% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1234% | 601 |
| Loan loss allowance to noncurrent loans | 78.6266% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 3.5765% | 288 |
| Noncurrent loans to loans | 2.7006% | 602 |
| Net loans and leases to total assets | 76.5616% | 1,404 |
| Net loans and leases to deposits | 89.8639% | 1,772 |
| Net loans and leases to core deposits | 99.3967% | 1,681 |
| Total domestic deposits to total assets | 85.1973% | 2,786 |
| Equity capital to assets | 11.7530% | 2,310 |
| Core capital (leverage) ratio | 11.5293% | 1,969 |
| Tier 1 risk-based capital ratio | 12.5439% | 4,485 |
| Total risk-based capital ratio | 13.8013% | 4,395 |
| Memoranda: | ||
| Average total assets | $583,092,330 | 1,206 |
| Average earning assets | $554,813,670 | 1,168 |
| Average equity | $69,143,000 | 1,145 |
| Average total loans | $458,321,670 | 1,062 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,378 |
| Cost of funding earning assets | 0.3030% | 4,130 |
| Net interest margin | 3.9255% | 1,863 |
| Noninterest income to average assets | 0.5442% | 2,847 |
| Noninterest expense to average assets | 2.9081% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3736% | 1,090 |
| Return on assets (ROA) | 1.3736% | 1,150 |
| Pretax return on assets | 1.3736% | 1,986 |
| Return on Equity (ROE) | 11.5335% | 1,451 |
| Retained earnings to average equity (ytd only) | -42.2970% | 6,065 |
| Net charge-offs to loans | -0.2112% | 5,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9197% | 3,474 |
| Assets per employee ($millions) | 4.4062% | 3,240 |
| Cash dividends to net income (ytd only)* | 466.7329% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 787 |
| Loan loss allowance to noncurrent loans | 74.1519% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 3.6473% | 297 |
| Noncurrent loans to loans | 2.7262% | 644 |
| Net loans and leases to total assets | 78.5522% | 1,019 |
| Net loans and leases to deposits | 92.2753% | 1,310 |
| Net loans and leases to core deposits | 102.2970% | 1,313 |
| Total domestic deposits to total assets | 85.1281% | 3,074 |
| Equity capital to assets | 11.5125% | 2,429 |
| Core capital (leverage) ratio | 11.2233% | 2,207 |
| Tier 1 risk-based capital ratio | 11.8008% | 5,046 |
| Total risk-based capital ratio | 13.0566% | 4,945 |
| Memoranda: | ||
| Average total assets | $586,496,000 | 1,204 |
| Average earning assets | $558,398,500 | 1,163 |
| Average equity | $69,849,000 | 1,127 |
| Average total loans | $462,090,000 | 1,040 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 2,066 |
| Cost of funding earning assets | 0.3263% | 3,952 |
| Net interest margin | 4.0213% | 1,648 |
| Noninterest income to average assets | 0.8906% | 1,466 |
| Noninterest expense to average assets | 3.0731% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6398% | 647 |
| Return on assets (ROA) | 1.6398% | 666 |
| Pretax return on assets | 1.6398% | 1,137 |
| Return on Equity (ROE) | 13.2522% | 1,001 |
| Retained earnings to average equity (ytd only) | -3.0478% | 5,826 |
| Net charge-offs to loans | -0.1827% | 5,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2057% | 4,047 |
| Assets per employee ($millions) | 4.5479% | 2,967 |
| Cash dividends to net income (ytd only)* | 122.9986% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 835 |
| Loan loss allowance to noncurrent loans | 66.2956% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 3.4602% | 345 |
| Noncurrent loans to loans | 2.9785% | 543 |
| Net loans and leases to total assets | 75.9175% | 1,436 |
| Net loans and leases to deposits | 90.3681% | 1,569 |
| Net loans and leases to core deposits | 99.7204% | 1,523 |
| Total domestic deposits to total assets | 84.0091% | 3,475 |
| Equity capital to assets | 12.2942% | 1,745 |
| Core capital (leverage) ratio | 12.0380% | 1,596 |
| Tier 1 risk-based capital ratio | 13.1471% | 4,206 |
| Total risk-based capital ratio | 14.4025% | 4,124 |
| Memoranda: | ||
| Average total assets | $575,127,400 | 1,185 |
| Average earning assets | $546,663,200 | 1,157 |
| Average equity | $71,165,800 | 1,071 |
| Average total loans | $459,262,000 | 1,003 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 1,907 |
| Cost of funding earning assets | 0.3292% | 3,995 |
| Net interest margin | 4.0757% | 1,475 |
| Noninterest income to average assets | 0.9834% | 1,223 |
| Noninterest expense to average assets | 3.1248% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7304% | 588 |
| Return on assets (ROA) | 1.7304% | 612 |
| Pretax return on assets | 1.7304% | 1,033 |
| Return on Equity (ROE) | 13.9604% | 919 |
| Retained earnings to average equity (ytd only) | -7.9323% | 6,092 |
| Net charge-offs to loans | -0.1628% | 5,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3604% | 4,181 |
| Assets per employee ($millions) | 4.4741% | 3,053 |
| Cash dividends to net income (ytd only)* | 156.8203% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8720% | 1,135 |
| Loan loss allowance to noncurrent loans | 81.6644% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 3.1243% | 469 |
| Noncurrent loans to loans | 2.2923% | 936 |
| Net loans and leases to total assets | 77.2221% | 1,218 |
| Net loans and leases to deposits | 95.8653% | 1,019 |
| Net loans and leases to core deposits | 108.1062% | 973 |
| Total domestic deposits to total assets | 80.5527% | 4,593 |
| Equity capital to assets | 11.9509% | 2,142 |
| Core capital (leverage) ratio | 11.9399% | 1,707 |
| Tier 1 risk-based capital ratio | 12.5357% | 4,734 |
| Total risk-based capital ratio | 13.7901% | 4,633 |
| Memoranda: | ||
| Average total assets | $569,965,250 | 1,204 |
| Average earning assets | $541,445,750 | 1,169 |
| Average equity | $70,645,750 | 1,088 |
| Average total loans | $458,725,250 | 1,010 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 1,849 |
| Cost of funding earning assets | 0.3311% | 4,038 |
| Net interest margin | 4.0701% | 1,445 |
| Noninterest income to average assets | 1.1333% | 941 |
| Noninterest expense to average assets | 3.1819% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8104% | 505 |
| Return on assets (ROA) | 1.8104% | 525 |
| Pretax return on assets | 1.8104% | 877 |
| Return on Equity (ROE) | 14.4216% | 831 |
| Retained earnings to average equity (ytd only) | -18.5745% | 6,258 |
| Net charge-offs to loans | -0.1505% | 5,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7365% | 4,397 |
| Assets per employee ($millions) | 4.2905% | 3,321 |
| Cash dividends to net income (ytd only)* | 228.7968% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 1,241 |
| Loan loss allowance to noncurrent loans | 113.1188% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 2.8218% | 617 |
| Noncurrent loans to loans | 1.6457% | 1,589 |
| Net loans and leases to total assets | 80.1820% | 778 |
| Net loans and leases to deposits | 97.8877% | 804 |
| Net loans and leases to core deposits | 110.4474% | 813 |
| Total domestic deposits to total assets | 81.9122% | 4,317 |
| Equity capital to assets | 12.1430% | 1,922 |
| Core capital (leverage) ratio | 11.8169% | 1,763 |
| Tier 1 risk-based capital ratio | 12.0698% | 5,094 |
| Total risk-based capital ratio | 13.3238% | 4,988 |
| Memoranda: | ||
| Average total assets | $560,110,670 | 1,230 |
| Average earning assets | $531,037,000 | 1,199 |
| Average equity | $70,311,330 | 1,096 |
| Average total loans | $454,366,670 | 1,019 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 1,820 |
| Cost of funding earning assets | 0.3341% | 4,054 |
| Net interest margin | 4.0505% | 1,410 |
| Noninterest income to average assets | 1.5031% | 539 |
| Noninterest expense to average assets | 3.1957% | 1,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1473% | 255 |
| Return on assets (ROA) | 2.1473% | 272 |
| Pretax return on assets | 2.1473% | 436 |
| Return on Equity (ROE) | 16.8259% | 485 |
| Retained earnings to average equity (ytd only) | -48.4518% | 6,383 |
| Net charge-offs to loans | -0.2319% | 6,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8118% | 5,114 |
| Assets per employee ($millions) | 4.2985% | 3,372 |
| Cash dividends to net income (ytd only)* | 387.9599% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 1,306 |
| Loan loss allowance to noncurrent loans | 101.9962% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 2.7837% | 715 |
| Noncurrent loans to loans | 1.8534% | 1,451 |
| Net loans and leases to total assets | 78.6463% | 845 |
| Net loans and leases to deposits | 96.8129% | 782 |
| Net loans and leases to core deposits | 109.5514% | 767 |
| Total domestic deposits to total assets | 81.2354% | 4,754 |
| Equity capital to assets | 11.9370% | 2,073 |
| Core capital (leverage) ratio | 11.5799% | 1,942 |
| Tier 1 risk-based capital ratio | 12.7081% | 4,781 |
| Total risk-based capital ratio | 13.9634% | 4,699 |
| Memoranda: | ||
| Average total assets | $556,991,000 | 1,240 |
| Average earning assets | $528,039,500 | 1,210 |
| Average equity | $71,081,000 | 1,084 |
| Average total loans | $450,187,500 | 1,034 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 1,877 |
| Cost of funding earning assets | 0.3639% | 4,099 |
| Net interest margin | 4.1332% | 1,480 |
| Noninterest income to average assets | 0.8070% | 1,848 |
| Noninterest expense to average assets | 3.1546% | 2,341 |
| Loan and lease loss provision to assets | -0.5331% | 6,450 |
| Net operating income to assets | 2.0505% | 300 |
| Return on assets (ROA) | 2.0633% | 299 |
| Pretax return on assets | 2.0633% | 450 |
| Return on Equity (ROE) | 16.6181% | 536 |
| Retained earnings to average equity (ytd only) | 8.7162% | 763 |
| Net charge-offs to loans | -0.0843% | 6,078 |
| Credit loss provision to net charge-offs | 804.2895% | 338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5212% | 3,982 |
| Assets per employee ($millions) | 4.1111% | 3,702 |
| Cash dividends to net income (ytd only)* | 47.5497% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 1,442 |
| Loan loss allowance to noncurrent loans | 91.2621% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 2.8886% | 722 |
| Noncurrent loans to loans | 2.0188% | 1,372 |
| Net loans and leases to total assets | 80.0012% | 743 |
| Net loans and leases to deposits | 97.9179% | 768 |
| Net loans and leases to core deposits | 111.5348% | 709 |
| Total domestic deposits to total assets | 81.7023% | 4,528 |
| Equity capital to assets | 13.6045% | 1,115 |
| Core capital (leverage) ratio | 13.2098% | 1,056 |
| Tier 1 risk-based capital ratio | 15.3034% | 3,310 |
| Total risk-based capital ratio | 16.5593% | 3,262 |
| Memoranda: | ||
| Average total assets | $562,735,200 | 1,175 |
| Average earning assets | $526,232,400 | 1,156 |
| Average equity | $69,869,800 | 1,052 |
| Average total loans | $442,342,800 | 997 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 2,006 |
| Cost of funding earning assets | 0.3654% | 4,183 |
| Net interest margin | 4.0985% | 1,578 |
| Noninterest income to average assets | 0.8530% | 1,685 |
| Noninterest expense to average assets | 3.1293% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5438% | 856 |
| Return on assets (ROA) | 1.5530% | 869 |
| Pretax return on assets | 1.5530% | 1,474 |
| Return on Equity (ROE) | 12.8061% | 1,268 |
| Retained earnings to average equity (ytd only) | 2.0757% | 5,012 |
| Net charge-offs to loans | -0.0669% | 6,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9642% | 4,052 |
| Assets per employee ($millions) | 4.2230% | 3,433 |
| Cash dividends to net income (ytd only)* | 83.7912% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5515% | 610 |
| Loan loss allowance to noncurrent loans | 102.8582% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 3.4386% | 631 |
| Noncurrent loans to loans | 2.4806% | 1,188 |
| Net loans and leases to total assets | 76.1882% | 1,197 |
| Net loans and leases to deposits | 90.9433% | 1,334 |
| Net loans and leases to core deposits | 103.8684% | 1,112 |
| Total domestic deposits to total assets | 83.7754% | 3,846 |
| Equity capital to assets | 12.4840% | 1,709 |
| Core capital (leverage) ratio | 12.4071% | 1,456 |
| Tier 1 risk-based capital ratio | 14.6751% | 3,772 |
| Total risk-based capital ratio | 15.9392% | 3,707 |
| Memoranda: | ||
| Average total assets | $565,698,000 | 1,179 |
| Average earning assets | $527,263,500 | 1,154 |
| Average equity | $68,601,000 | 1,072 |
| Average total loans | $440,682,000 | 1,006 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 1,864 |
| Cost of funding earning assets | 0.3664% | 4,246 |
| Net interest margin | 4.1226% | 1,443 |
| Noninterest income to average assets | 1.0305% | 1,119 |
| Noninterest expense to average assets | 3.1436% | 2,349 |
| Loan and lease loss provision to assets | 0.2639% | 794 |
| Net operating income to assets | 1.4471% | 968 |
| Return on assets (ROA) | 1.4471% | 1,009 |
| Pretax return on assets | 1.4471% | 1,725 |
| Return on Equity (ROE) | 12.0490% | 1,409 |
| Retained earnings to average equity (ytd only) | -4.1247% | 6,183 |
| Net charge-offs to loans | -0.1872% | 6,328 |
| Credit loss provision to net charge-offs | -181.1594% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7558% | 4,576 |
| Assets per employee ($millions) | 4.2397% | 3,392 |
| Cash dividends to net income (ytd only)* | 134.2329% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7329% | 508 |
| Loan loss allowance to noncurrent loans | 95.4276% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 4.0598% | 521 |
| Noncurrent loans to loans | 2.8639% | 1,041 |
| Net loans and leases to total assets | 76.7163% | 1,082 |
| Net loans and leases to deposits | 91.9091% | 1,161 |
| Net loans and leases to core deposits | 104.7000% | 971 |
| Total domestic deposits to total assets | 83.4698% | 4,123 |
| Equity capital to assets | 12.0158% | 1,967 |
| Core capital (leverage) ratio | 12.0003% | 1,651 |
| Tier 1 risk-based capital ratio | 13.9127% | 4,313 |
| Total risk-based capital ratio | 15.1788% | 4,247 |
| Memoranda: | ||
| Average total assets | $568,453,000 | 1,165 |
| Average earning assets | $527,285,000 | 1,157 |
| Average equity | $68,271,330 | 1,073 |
| Average total loans | $442,303,330 | 997 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 2,048 |
| Cost of funding earning assets | 0.3708% | 4,308 |
| Net interest margin | 4.0530% | 1,588 |
| Noninterest income to average assets | 0.8665% | 1,498 |
| Noninterest expense to average assets | 3.1952% | 2,253 |
| Loan and lease loss provision to assets | 0.2618% | 802 |
| Net operating income to assets | 1.1717% | 1,564 |
| Return on assets (ROA) | 1.1717% | 1,630 |
| Pretax return on assets | 1.1717% | 2,605 |
| Return on Equity (ROE) | 9.7580% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.7580% | 1,027 |
| Net charge-offs to loans | -0.2945% | 6,478 |
| Credit loss provision to net charge-offs | -115.0307% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0300% | 4,000 |
| Assets per employee ($millions) | 4.1190% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6706% | 657 |
| Loan loss allowance to noncurrent loans | 89.6792% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 4.8163% | 441 |
| Noncurrent loans to loans | 2.9779% | 1,066 |
| Net loans and leases to total assets | 77.1716% | 859 |
| Net loans and leases to deposits | 93.6210% | 827 |
| Net loans and leases to core deposits | 107.7704% | 684 |
| Total domestic deposits to total assets | 82.4299% | 4,806 |
| Equity capital to assets | 12.7418% | 1,437 |
| Core capital (leverage) ratio | 12.1831% | 1,549 |
| Tier 1 risk-based capital ratio | 14.6458% | 3,923 |
| Total risk-based capital ratio | 15.9107% | 3,868 |
| Memoranda: | ||
| Average total assets | $572,861,000 | 1,160 |
| Average earning assets | $531,760,500 | 1,152 |
| Average equity | $68,784,500 | 1,060 |
| Average total loans | $442,757,000 | 998 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 1,490 |
| Cost of funding earning assets | 0.4187% | 4,447 |
| Net interest margin | 4.3108% | 1,082 |
| Noninterest income to average assets | 0.3497% | 4,817 |
| Noninterest expense to average assets | 3.3987% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9349% | 2,625 |
| Return on assets (ROA) | 0.9349% | 2,703 |
| Pretax return on assets | 0.9349% | 3,620 |
| Return on Equity (ROE) | 8.2236% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.2446% | 2,453 |
| Net charge-offs to loans | 0.2224% | 2,686 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.4881% | 3,288 |
| Efficiency ratio | 78.4260% | 2,396 |
| Assets per employee ($millions) | 3.8327% | 4,194 |
| Cash dividends to net income (ytd only)* | 36.2253% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4158% | 912 |
| Loan loss allowance to noncurrent loans | 75.7401% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 4.8353% | 496 |
| Noncurrent loans to loans | 3.1896% | 1,062 |
| Net loans and leases to total assets | 73.6330% | 1,414 |
| Net loans and leases to deposits | 86.1724% | 1,658 |
| Net loans and leases to core deposits | 97.6736% | 1,332 |
| Total domestic deposits to total assets | 85.4484% | 3,529 |
| Equity capital to assets | 11.3341% | 2,311 |
| Core capital (leverage) ratio | 11.2638% | 2,148 |
| Tier 1 risk-based capital ratio | 13.7069% | 4,515 |
| Total risk-based capital ratio | 14.9690% | 4,452 |
| Memoranda: | ||
| Average total assets | $590,527,400 | 1,124 |
| Average earning assets | $545,747,200 | 1,109 |
| Average equity | $67,136,200 | 1,073 |
| Average total loans | $452,414,600 | 943 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 1,403 |
| Cost of funding earning assets | 0.4273% | 4,523 |
| Net interest margin | 4.3484% | 990 |
| Noninterest income to average assets | 0.3918% | 4,596 |
| Noninterest expense to average assets | 3.4338% | 1,751 |
| Loan and lease loss provision to assets | 0.3964% | 770 |
| Net operating income to assets | 0.5741% | 4,451 |
| Return on assets (ROA) | 0.5741% | 4,590 |
| Pretax return on assets | 0.5741% | 5,120 |
| Return on Equity (ROE) | 5.0463% | 4,701 |
| Retained earnings to average equity (ytd only) | 5.0463% | 3,047 |
| Net charge-offs to loans | 0.0589% | 4,064 |
| Credit loss provision to net charge-offs | 875.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 21.4250% | 1,547 |
| Efficiency ratio | 77.9646% | 2,426 |
| Assets per employee ($millions) | 3.7537% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0540% | 516 |
| Loan loss allowance to noncurrent loans | 71.1002% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 6.5070% | 329 |
| Noncurrent loans to loans | 4.2953% | 790 |
| Net loans and leases to total assets | 72.4737% | 1,531 |
| Net loans and leases to deposits | 85.2954% | 1,704 |
| Net loans and leases to core deposits | 96.9154% | 1,324 |
| Total domestic deposits to total assets | 84.9679% | 3,767 |
| Equity capital to assets | 11.3770% | 2,404 |
| Core capital (leverage) ratio | 11.2753% | 2,222 |
| Tier 1 risk-based capital ratio | 13.7973% | 4,570 |
| Total risk-based capital ratio | 15.0663% | 4,513 |
| Memoranda: | ||
| Average total assets | $588,685,500 | 1,145 |
| Average earning assets | $543,199,750 | 1,123 |
| Average equity | $66,978,750 | 1,080 |
| Average total loans | $452,731,500 | 947 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 1,232 |
| Cost of funding earning assets | 0.4330% | 4,628 |
| Net interest margin | 4.4085% | 831 |
| Noninterest income to average assets | 0.3630% | 4,792 |
| Noninterest expense to average assets | 3.4880% | 1,631 |
| Loan and lease loss provision to assets | 0.4248% | 709 |
| Net operating income to assets | 0.5265% | 4,682 |
| Return on assets (ROA) | 0.5265% | 4,851 |
| Pretax return on assets | 0.5265% | 5,282 |
| Return on Equity (ROE) | 4.6270% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.6270% | 3,316 |
| Net charge-offs to loans | 0.0946% | 3,421 |
| Credit loss provision to net charge-offs | 578.7037% | 500 |
| Earnings coverage of net charge-offs (x) | 12.9583% | 1,936 |
| Efficiency ratio | 78.5714% | 2,373 |
| Assets per employee ($millions) | 3.6670% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8381% | 680 |
| Loan loss allowance to noncurrent loans | 61.9417% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 6.5478% | 381 |
| Noncurrent loans to loans | 4.5819% | 755 |
| Net loans and leases to total assets | 76.4547% | 930 |
| Net loans and leases to deposits | 88.9187% | 1,238 |
| Net loans and leases to core deposits | 100.6361% | 1,035 |
| Total domestic deposits to total assets | 85.9827% | 3,377 |
| Equity capital to assets | 11.4338% | 2,350 |
| Core capital (leverage) ratio | 11.2673% | 2,114 |
| Tier 1 risk-based capital ratio | 13.2271% | 4,974 |
| Total risk-based capital ratio | 14.4940% | 4,902 |
| Memoranda: | ||
| Average total assets | $588,468,000 | 1,143 |
| Average earning assets | $544,125,000 | 1,124 |
| Average equity | $66,955,330 | 1,077 |
| Average total loans | $456,785,330 | 930 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 1,262 |
| Cost of funding earning assets | 0.4508% | 4,584 |
| Net interest margin | 4.3613% | 859 |
| Noninterest income to average assets | 0.4668% | 4,013 |
| Noninterest expense to average assets | 3.4698% | 1,682 |
| Loan and lease loss provision to assets | 0.5059% | 532 |
| Net operating income to assets | 0.5174% | 4,574 |
| Return on assets (ROA) | 0.5174% | 4,720 |
| Pretax return on assets | 0.5174% | 5,204 |
| Return on Equity (ROE) | 4.5580% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.5580% | 3,498 |
| Net charge-offs to loans | -0.0131% | 5,543 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2256% | 2,726 |
| Assets per employee ($millions) | 3.7139% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8201% | 807 |
| Loan loss allowance to noncurrent loans | 64.7850% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 6.1220% | 520 |
| Noncurrent loans to loans | 4.3530% | 984 |
| Net loans and leases to total assets | 75.3582% | 919 |
| Net loans and leases to deposits | 87.7845% | 1,167 |
| Net loans and leases to core deposits | 99.8091% | 961 |
| Total domestic deposits to total assets | 85.8445% | 3,614 |
| Equity capital to assets | 11.6762% | 2,274 |
| Core capital (leverage) ratio | 10.9430% | 2,305 |
| Tier 1 risk-based capital ratio | 13.2739% | 5,034 |
| Total risk-based capital ratio | 14.5408% | 4,971 |
| Memoranda: | ||
| Average total assets | $593,009,500 | 1,141 |
| Average earning assets | $547,449,000 | 1,126 |
| Average equity | $67,310,000 | 1,083 |
| Average total loans | $457,225,000 | 924 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 1,348 |
| Cost of funding earning assets | 0.5737% | 4,600 |
| Net interest margin | 4.5076% | 935 |
| Noninterest income to average assets | 0.2420% | 5,716 |
| Noninterest expense to average assets | 3.6888% | 1,435 |
| Loan and lease loss provision to assets | 0.5230% | 1,113 |
| Net operating income to assets | 0.1733% | 5,835 |
| Return on assets (ROA) | 0.1733% | 6,008 |
| Pretax return on assets | 0.1733% | 6,033 |
| Return on Equity (ROE) | 1.5500% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.0986% | 5,320 |
| Net charge-offs to loans | 1.3185% | 731 |
| Credit loss provision to net charge-offs | 51.3380% | 4,666 |
| Earnings coverage of net charge-offs (x) | 0.6835% | 5,144 |
| Efficiency ratio | 84.1219% | 1,619 |
| Assets per employee ($millions) | 3.8154% | 4,333 |
| Cash dividends to net income (ytd only)* | 29.1262% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5593% | 1,063 |
| Loan loss allowance to noncurrent loans | 53.8810% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 6.1514% | 552 |
| Noncurrent loans to loans | 4.7498% | 866 |
| Net loans and leases to total assets | 74.7174% | 1,090 |
| Net loans and leases to deposits | 86.6986% | 1,414 |
| Net loans and leases to core deposits | 97.6431% | 1,171 |
| Total domestic deposits to total assets | 86.1806% | 3,264 |
| Equity capital to assets | 11.0396% | 2,899 |
| Core capital (leverage) ratio | 10.5311% | 2,725 |
| Tier 1 risk-based capital ratio | 12.6491% | 5,364 |
| Total risk-based capital ratio | 13.9129% | 5,297 |
| Memoranda: | ||
| Average total assets | $594,313,600 | 1,116 |
| Average earning assets | $546,260,600 | 1,105 |
| Average equity | $66,449,800 | 1,065 |
| Average total loans | $459,156,200 | 903 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 1,384 |
| Cost of funding earning assets | 0.5941% | 4,708 |
| Net interest margin | 4.5241% | 945 |
| Noninterest income to average assets | 0.1538% | 6,381 |
| Noninterest expense to average assets | 3.7954% | 1,216 |
| Loan and lease loss provision to assets | 0.5374% | 1,100 |
| Net operating income to assets | -0.0198% | 6,309 |
| Return on assets (ROA) | -0.0198% | 6,427 |
| Pretax return on assets | -0.0198% | 6,416 |
| Return on Equity (ROE) | -0.1769% | 6,427 |
| Retained earnings to average equity (ytd only) | -0.7800% | 6,238 |
| Net charge-offs to loans | 0.7557% | 1,464 |
| Credit loss provision to net charge-offs | 91.8658% | 3,233 |
| Earnings coverage of net charge-offs (x) | 0.8847% | 4,889 |
| Efficiency ratio | 88.0000% | 1,193 |
| Assets per employee ($millions) | 3.7059% | 4,526 |
| Cash dividends to net income (ytd only)* | -340.9103% | 7,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2621% | 571 |
| Loan loss allowance to noncurrent loans | 66.4579% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 6.5008% | 581 |
| Noncurrent loans to loans | 4.9085% | 927 |
| Net loans and leases to total assets | 73.6811% | 1,293 |
| Net loans and leases to deposits | 85.3785% | 1,677 |
| Net loans and leases to core deposits | 98.7674% | 1,208 |
| Total domestic deposits to total assets | 86.2994% | 3,088 |
| Equity capital to assets | 11.2273% | 3,006 |
| Core capital (leverage) ratio | 10.4997% | 2,909 |
| Tier 1 risk-based capital ratio | 12.9288% | 5,310 |
| Total risk-based capital ratio | 14.2009% | 5,256 |
| Memoranda: | ||
| Average total assets | $591,230,500 | 1,135 |
| Average earning assets | $543,533,000 | 1,125 |
| Average equity | $66,319,500 | 1,068 |
| Average total loans | $457,651,500 | 904 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 1,327 |
| Cost of funding earning assets | 0.6048% | 4,863 |
| Net interest margin | 4.5688% | 876 |
| Noninterest income to average assets | 0.1183% | 6,595 |
| Noninterest expense to average assets | 3.5939% | 1,586 |
| Loan and lease loss provision to assets | 0.6082% | 973 |
| Net operating income to assets | 0.1024% | 6,150 |
| Return on assets (ROA) | 0.1024% | 6,307 |
| Pretax return on assets | 0.1024% | 6,325 |
| Return on Equity (ROE) | 0.9130% | 6,317 |
| Retained earnings to average equity (ytd only) | 0.0090% | 6,029 |
| Net charge-offs to loans | 1.0443% | 1,048 |
| Credit loss provision to net charge-offs | 74.8441% | 3,464 |
| Earnings coverage of net charge-offs (x) | 0.8744% | 4,612 |
| Efficiency ratio | 83.4916% | 1,687 |
| Assets per employee ($millions) | 3.7497% | 4,420 |
| Cash dividends to net income (ytd only)* | 99.0099% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1795% | 659 |
| Loan loss allowance to noncurrent loans | 57.8964% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 7.3973% | 497 |
| Noncurrent loans to loans | 5.4918% | 848 |
| Net loans and leases to total assets | 74.1619% | 1,219 |
| Net loans and leases to deposits | 85.6840% | 1,641 |
| Net loans and leases to core deposits | 97.7754% | 1,291 |
| Total domestic deposits to total assets | 86.5528% | 3,040 |
| Equity capital to assets | 11.3385% | 2,743 |
| Core capital (leverage) ratio | 10.6844% | 2,618 |
| Tier 1 risk-based capital ratio | 12.8862% | 5,265 |
| Total risk-based capital ratio | 14.1568% | 5,228 |
| Memoranda: | ||
| Average total assets | $591,897,000 | 1,130 |
| Average earning assets | $542,325,000 | 1,129 |
| Average equity | $66,374,330 | 1,057 |
| Average total loans | $460,604,670 | 891 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1465% | 1,440 |
| Cost of funding earning assets | 0.6281% | 4,908 |
| Net interest margin | 4.5183% | 977 |
| Noninterest income to average assets | 0.0511% | 6,925 |
| Noninterest expense to average assets | 3.4520% | 1,870 |
| Loan and lease loss provision to assets | 0.5879% | 976 |
| Net operating income to assets | 0.1384% | 6,148 |
| Return on assets (ROA) | 0.1384% | 6,275 |
| Pretax return on assets | 0.1384% | 6,323 |
| Return on Equity (ROE) | 1.2410% | 6,298 |
| Retained earnings to average equity (ytd only) | 1.2410% | 5,595 |
| Net charge-offs to loans | 0.1242% | 3,364 |
| Credit loss provision to net charge-offs | 603.4483% | 557 |
| Earnings coverage of net charge-offs (x) | 7.4552% | 2,071 |
| Efficiency ratio | 82.6178% | 1,860 |
| Assets per employee ($millions) | 3.7959% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3488% | 596 |
| Loan loss allowance to noncurrent loans | 53.6647% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 8.6043% | 427 |
| Noncurrent loans to loans | 6.2401% | 782 |
| Net loans and leases to total assets | 75.4582% | 865 |
| Net loans and leases to deposits | 87.5408% | 1,226 |
| Net loans and leases to core deposits | 99.3933% | 1,023 |
| Total domestic deposits to total assets | 86.1978% | 3,413 |
| Equity capital to assets | 11.1406% | 2,766 |
| Core capital (leverage) ratio | 10.6748% | 2,578 |
| Tier 1 risk-based capital ratio | 12.2401% | 5,799 |
| Total risk-based capital ratio | 13.5120% | 5,754 |
| Memoranda: | ||
| Average total assets | $595,372,500 | 1,124 |
| Average earning assets | $543,831,000 | 1,120 |
| Average equity | $66,399,500 | 1,055 |
| Average total loans | $466,880,500 | 881 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2973% | 1,707 |
| Cost of funding earning assets | 0.7980% | 4,887 |
| Net interest margin | 4.4993% | 1,135 |
| Noninterest income to average assets | -0.0639% | 7,072 |
| Noninterest expense to average assets | 3.2132% | 2,817 |
| Loan and lease loss provision to assets | 0.6984% | 1,465 |
| Net operating income to assets | 0.1299% | 5,791 |
| Return on assets (ROA) | 0.1299% | 5,920 |
| Pretax return on assets | 0.1299% | 5,921 |
| Return on Equity (ROE) | 1.2172% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.2172% | 5,284 |
| Net charge-offs to loans | 1.7349% | 870 |
| Credit loss provision to net charge-offs | 50.4289% | 5,412 |
| Earnings coverage of net charge-offs (x) | 0.5981% | 5,375 |
| Efficiency ratio | 79.5058% | 2,372 |
| Assets per employee ($millions) | 3.7174% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1700% | 700 |
| Loan loss allowance to noncurrent loans | 52.2665% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 8.7638% | 421 |
| Noncurrent loans to loans | 6.0651% | 811 |
| Net loans and leases to total assets | 76.2676% | 916 |
| Net loans and leases to deposits | 89.1215% | 1,254 |
| Net loans and leases to core deposits | 101.9735% | 1,026 |
| Total domestic deposits to total assets | 85.5771% | 3,554 |
| Equity capital to assets | 11.1646% | 2,831 |
| Core capital (leverage) ratio | 10.3335% | 2,931 |
| Tier 1 risk-based capital ratio | 12.0782% | 5,778 |
| Total risk-based capital ratio | 13.3480% | 5,741 |
| Memoranda: | ||
| Average total assets | $622,873,400 | 1,044 |
| Average earning assets | $568,328,200 | 1,042 |
| Average equity | $66,465,800 | 1,013 |
| Average total loans | $497,197,800 | 843 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2775% | 1,950 |
| Cost of funding earning assets | 0.8220% | 4,994 |
| Net interest margin | 4.4555% | 1,257 |
| Noninterest income to average assets | 0.0986% | 6,756 |
| Noninterest expense to average assets | 3.2390% | 2,701 |
| Loan and lease loss provision to assets | 0.5398% | 1,826 |
| Net operating income to assets | 0.3884% | 5,047 |
| Return on assets (ROA) | 0.3884% | 5,232 |
| Pretax return on assets | 0.3884% | 5,505 |
| Return on Equity (ROE) | 3.6802% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.6802% | 4,128 |
| Net charge-offs to loans | 1.6075% | 881 |
| Credit loss provision to net charge-offs | 41.9339% | 5,200 |
| Earnings coverage of net charge-offs (x) | 0.7211% | 5,080 |
| Efficiency ratio | 77.7264% | 2,582 |
| Assets per employee ($millions) | 3.9260% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2625% | 682 |
| Loan loss allowance to noncurrent loans | 51.8829% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 9.1852% | 419 |
| Noncurrent loans to loans | 6.2883% | 858 |
| Net loans and leases to total assets | 74.5502% | 1,225 |
| Net loans and leases to deposits | 86.6362% | 1,600 |
| Net loans and leases to core deposits | 101.1364% | 1,148 |
| Total domestic deposits to total assets | 86.0497% | 3,194 |
| Equity capital to assets | 10.9274% | 3,211 |
| Core capital (leverage) ratio | 10.2691% | 3,114 |
| Tier 1 risk-based capital ratio | 12.0965% | 5,823 |
| Total risk-based capital ratio | 13.3675% | 5,797 |
| Memoranda: | ||
| Average total assets | $629,894,250 | 1,037 |
| Average earning assets | $575,178,500 | 1,033 |
| Average equity | $66,480,750 | 1,017 |
| Average total loans | $504,376,500 | 840 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 1,925 |
| Cost of funding earning assets | 0.8376% | 5,140 |
| Net interest margin | 4.4504% | 1,242 |
| Noninterest income to average assets | 0.2578% | 5,805 |
| Noninterest expense to average assets | 3.1920% | 2,934 |
| Loan and lease loss provision to assets | 0.5844% | 1,659 |
| Net operating income to assets | 0.5484% | 4,314 |
| Return on assets (ROA) | 0.5484% | 4,445 |
| Pretax return on assets | 0.5484% | 4,909 |
| Return on Equity (ROE) | 5.2569% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.2569% | 2,834 |
| Net charge-offs to loans | 0.4770% | 2,667 |
| Credit loss provision to net charge-offs | 151.1438% | 2,021 |
| Earnings coverage of net charge-offs (x) | 2.9297% | 3,382 |
| Efficiency ratio | 73.8057% | 3,393 |
| Assets per employee ($millions) | 3.9480% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9390% | 432 |
| Loan loss allowance to noncurrent loans | 63.8863% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 9.0248% | 465 |
| Noncurrent loans to loans | 6.1657% | 946 |
| Net loans and leases to total assets | 77.2247% | 880 |
| Net loans and leases to deposits | 89.4998% | 1,328 |
| Net loans and leases to core deposits | 108.0052% | 818 |
| Total domestic deposits to total assets | 86.2848% | 3,165 |
| Equity capital to assets | 10.7685% | 3,207 |
| Core capital (leverage) ratio | 10.1649% | 3,075 |
| Tier 1 risk-based capital ratio | 11.6489% | 6,054 |
| Total risk-based capital ratio | 12.9281% | 6,028 |
| Memoranda: | ||
| Average total assets | $633,091,000 | 1,041 |
| Average earning assets | $578,557,670 | 1,037 |
| Average equity | $66,046,670 | 1,018 |
| Average total loans | $513,157,330 | 837 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3207% | 1,805 |
| Cost of funding earning assets | 0.8561% | 5,236 |
| Net interest margin | 4.4646% | 1,143 |
| Noninterest income to average assets | 0.2465% | 5,928 |
| Noninterest expense to average assets | 3.1843% | 2,948 |
| Loan and lease loss provision to assets | 0.4390% | 2,012 |
| Net operating income to assets | 0.7150% | 3,452 |
| Return on assets (ROA) | 0.7150% | 3,516 |
| Pretax return on assets | 0.7150% | 4,245 |
| Return on Equity (ROE) | 6.9635% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.9635% | 2,164 |
| Net charge-offs to loans | 0.2551% | 3,056 |
| Credit loss provision to net charge-offs | 211.4804% | 1,418 |
| Earnings coverage of net charge-offs (x) | 5.5589% | 2,258 |
| Efficiency ratio | 73.3989% | 3,620 |
| Assets per employee ($millions) | 3.9800% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8353% | 477 |
| Loan loss allowance to noncurrent loans | 89.0223% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 7.3044% | 707 |
| Noncurrent loans to loans | 4.3083% | 1,648 |
| Net loans and leases to total assets | 76.2837% | 992 |
| Net loans and leases to deposits | 88.0016% | 1,465 |
| Net loans and leases to core deposits | 107.0045% | 894 |
| Total domestic deposits to total assets | 86.6844% | 3,127 |
| Equity capital to assets | 10.3245% | 3,384 |
| Core capital (leverage) ratio | 9.9431% | 3,208 |
| Tier 1 risk-based capital ratio | 11.5574% | 6,059 |
| Total risk-based capital ratio | 12.8356% | 6,023 |
| Memoranda: | ||
| Average total assets | $637,745,500 | 1,044 |
| Average earning assets | $584,511,500 | 1,032 |
| Average equity | $65,484,000 | 1,020 |
| Average total loans | $519,002,500 | 837 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7209% | 1,497 |
| Cost of funding earning assets | 1.2246% | 4,392 |
| Net interest margin | 4.4963% | 1,233 |
| Noninterest income to average assets | 0.3556% | 5,269 |
| Noninterest expense to average assets | 3.2477% | 2,923 |
| Loan and lease loss provision to assets | 2.0382% | 641 |
| Net operating income to assets | -0.8740% | 6,614 |
| Return on assets (ROA) | -0.7965% | 6,600 |
| Pretax return on assets | -0.7965% | 6,522 |
| Return on Equity (ROE) | -7.5482% | 6,589 |
| Retained earnings to average equity (ytd only) | -7.5482% | 6,496 |
| Net charge-offs to loans | 1.2396% | 1,811 |
| Credit loss provision to net charge-offs | 198.8618% | 1,587 |
| Earnings coverage of net charge-offs (x) | 1.1358% | 4,970 |
| Efficiency ratio | 73.6126% | 3,471 |
| Assets per employee ($millions) | 3.8236% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6109% | 544 |
| Loan loss allowance to noncurrent loans | 96.9929% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 7.2484% | 740 |
| Noncurrent loans to loans | 3.7228% | 1,993 |
| Net loans and leases to total assets | 80.4417% | 606 |
| Net loans and leases to deposits | 93.1836% | 1,127 |
| Net loans and leases to core deposits | 113.5059% | 746 |
| Total domestic deposits to total assets | 86.3260% | 3,185 |
| Equity capital to assets | 10.2110% | 3,489 |
| Core capital (leverage) ratio | 9.5719% | 3,604 |
| Tier 1 risk-based capital ratio | 10.8993% | 6,416 |
| Total risk-based capital ratio | 12.1754% | 6,360 |
| Memoranda: | ||
| Average total assets | $660,036,000 | 1,006 |
| Average earning assets | $595,451,400 | 1,016 |
| Average equity | $69,645,800 | 962 |
| Average total loans | $545,762,400 | 829 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7032% | 1,702 |
| Cost of funding earning assets | 1.2806% | 4,368 |
| Net interest margin | 4.4227% | 1,452 |
| Noninterest income to average assets | 0.3195% | 5,594 |
| Noninterest expense to average assets | 3.2898% | 2,602 |
| Loan and lease loss provision to assets | 1.3586% | 1,000 |
| Net operating income to assets | -0.3534% | 6,474 |
| Return on assets (ROA) | -0.3534% | 6,519 |
| Pretax return on assets | -0.3534% | 6,449 |
| Return on Equity (ROE) | -3.3232% | 6,518 |
| Retained earnings to average equity (ytd only) | -3.3232% | 6,390 |
| Net charge-offs to loans | 1.2970% | 1,574 |
| Credit loss provision to net charge-offs | 126.9634% | 3,211 |
| Earnings coverage of net charge-offs (x) | 0.9394% | 5,119 |
| Efficiency ratio | 76.5955% | 2,833 |
| Assets per employee ($millions) | 3.9464% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5836% | 1,231 |
| Loan loss allowance to noncurrent loans | 70.9409% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 7.0127% | 773 |
| Noncurrent loans to loans | 3.6420% | 2,147 |
| Net loans and leases to total assets | 80.3774% | 682 |
| Net loans and leases to deposits | 93.2710% | 1,285 |
| Net loans and leases to core deposits | 134.3468% | 319 |
| Total domestic deposits to total assets | 86.1761% | 2,989 |
| Equity capital to assets | 10.6885% | 3,297 |
| Core capital (leverage) ratio | 9.9319% | 3,315 |
| Tier 1 risk-based capital ratio | 11.3143% | 6,088 |
| Total risk-based capital ratio | 12.5785% | 6,070 |
| Memoranda: | ||
| Average total assets | $666,365,750 | 1,002 |
| Average earning assets | $598,989,500 | 1,017 |
| Average equity | $70,854,500 | 951 |
| Average total loans | $549,777,000 | 827 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6638% | 1,895 |
| Cost of funding earning assets | 1.3215% | 4,403 |
| Net interest margin | 4.3423% | 1,629 |
| Noninterest income to average assets | 0.3271% | 5,535 |
| Noninterest expense to average assets | 3.2608% | 2,692 |
| Loan and lease loss provision to assets | 1.0336% | 1,409 |
| Net operating income to assets | -0.0798% | 6,197 |
| Return on assets (ROA) | -0.0798% | 6,281 |
| Pretax return on assets | -0.0798% | 6,226 |
| Return on Equity (ROE) | -0.7520% | 6,289 |
| Retained earnings to average equity (ytd only) | -0.7520% | 5,916 |
| Net charge-offs to loans | 0.9976% | 1,860 |
| Credit loss provision to net charge-offs | 125.5881% | 3,215 |
| Earnings coverage of net charge-offs (x) | 1.1589% | 4,638 |
| Efficiency ratio | 77.3694% | 2,836 |
| Assets per employee ($millions) | 4.3748% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4128% | 1,417 |
| Loan loss allowance to noncurrent loans | 75.6909% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 6.9129% | 769 |
| Noncurrent loans to loans | 3.1877% | 2,513 |
| Net loans and leases to total assets | 79.9575% | 806 |
| Net loans and leases to deposits | 92.8552% | 1,411 |
| Net loans and leases to core deposits | 136.8222% | 321 |
| Total domestic deposits to total assets | 86.1099% | 3,021 |
| Equity capital to assets | 10.7055% | 3,169 |
| Core capital (leverage) ratio | 10.2142% | 2,922 |
| Tier 1 risk-based capital ratio | 11.3223% | 5,921 |
| Total risk-based capital ratio | 12.5842% | 5,897 |
| Memoranda: | ||
| Average total assets | $671,435,330 | 1,006 |
| Average earning assets | $601,114,330 | 1,023 |
| Average equity | $71,273,000 | 934 |
| Average total loans | $553,948,000 | 830 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6215% | 2,063 |
| Cost of funding earning assets | 1.3779% | 4,316 |
| Net interest margin | 4.2436% | 1,877 |
| Noninterest income to average assets | 0.2194% | 6,394 |
| Noninterest expense to average assets | 3.4085% | 2,206 |
| Loan and lease loss provision to assets | 0.4032% | 2,949 |
| Net operating income to assets | 0.2075% | 5,659 |
| Return on assets (ROA) | 0.2075% | 5,778 |
| Pretax return on assets | 0.2075% | 5,858 |
| Return on Equity (ROE) | 1.9631% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.9631% | 4,956 |
| Net charge-offs to loans | 0.1576% | 3,983 |
| Credit loss provision to net charge-offs | 309.0909% | 1,275 |
| Earnings coverage of net charge-offs (x) | 4.6818% | 2,573 |
| Efficiency ratio | 84.8060% | 1,931 |
| Assets per employee ($millions) | 3.9541% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3443% | 1,507 |
| Loan loss allowance to noncurrent loans | 55.5393% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 7.6799% | 649 |
| Noncurrent loans to loans | 4.2210% | 1,824 |
| Net loans and leases to total assets | 81.8633% | 609 |
| Net loans and leases to deposits | 95.0742% | 1,221 |
| Net loans and leases to core deposits | 138.1682% | 350 |
| Total domestic deposits to total assets | 86.1046% | 3,093 |
| Equity capital to assets | 10.8889% | 2,856 |
| Core capital (leverage) ratio | 10.0082% | 3,155 |
| Tier 1 risk-based capital ratio | 11.1772% | 5,982 |
| Total risk-based capital ratio | 12.4393% | 5,929 |
| Memoranda: | ||
| Average total assets | $674,665,000 | 1,020 |
| Average earning assets | $604,114,000 | 1,039 |
| Average equity | $71,315,000 | 931 |
| Average total loans | $558,500,000 | 849 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 2,644 |
| Cost of funding earning assets | 1.6524% | 4,783 |
| Net interest margin | 4.1496% | 2,247 |
| Noninterest income to average assets | 0.2710% | 6,179 |
| Noninterest expense to average assets | 3.0560% | 3,920 |
| Loan and lease loss provision to assets | 2.1014% | 1,007 |
| Net operating income to assets | -1.0413% | 6,602 |
| Return on assets (ROA) | -1.0369% | 6,598 |
| Pretax return on assets | -1.0369% | 6,434 |
| Return on Equity (ROE) | -10.0066% | 6,623 |
| Retained earnings to average equity (ytd only) | -13.8521% | 6,807 |
| Net charge-offs to loans | 1.8951% | 1,309 |
| Credit loss provision to net charge-offs | 128.2439% | 4,022 |
| Earnings coverage of net charge-offs (x) | 0.6470% | 5,446 |
| Efficiency ratio | 74.2454% | 3,847 |
| Assets per employee ($millions) | 4.1744% | 3,484 |
| Cash dividends to net income (ytd only)* | -38.4299% | 7,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,660 |
| Loan loss allowance to noncurrent loans | 52.7725% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 6.3889% | 866 |
| Noncurrent loans to loans | 4.1588% | 1,757 |
| Net loans and leases to total assets | 79.9953% | 991 |
| Net loans and leases to deposits | 93.0991% | 1,723 |
| Net loans and leases to core deposits | 118.6385% | 2,069 |
| Total domestic deposits to total assets | 85.9249% | 3,054 |
| Equity capital to assets | 10.2688% | 3,438 |
| Core capital (leverage) ratio | 9.7321% | 3,411 |
| Tier 1 risk-based capital ratio | 10.7644% | 6,142 |
| Total risk-based capital ratio | 12.0236% | 6,111 |
| Memoranda: | ||
| Average total assets | $702,677,600 | 976 |
| Average earning assets | $651,116,200 | 957 |
| Average equity | $72,812,200 | 895 |
| Average total loans | $607,563,800 | 771 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8249% | 2,782 |
| Cost of funding earning assets | 1.6986% | 4,907 |
| Net interest margin | 4.1264% | 2,301 |
| Noninterest income to average assets | 0.4899% | 4,580 |
| Noninterest expense to average assets | 3.0007% | 4,040 |
| Loan and lease loss provision to assets | 1.6523% | 1,135 |
| Net operating income to assets | -0.2974% | 6,192 |
| Return on assets (ROA) | -0.2916% | 6,204 |
| Pretax return on assets | -0.2916% | 6,092 |
| Return on Equity (ROE) | -2.8077% | 6,219 |
| Retained earnings to average equity (ytd only) | -7.9059% | 6,591 |
| Net charge-offs to loans | 1.1072% | 1,806 |
| Credit loss provision to net charge-offs | 170.3314% | 2,733 |
| Earnings coverage of net charge-offs (x) | 1.3967% | 4,736 |
| Efficiency ratio | 68.8938% | 4,812 |
| Assets per employee ($millions) | 4.0155% | 3,700 |
| Cash dividends to net income (ytd only)* | -181.5822% | 8,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1646% | 1,486 |
| Loan loss allowance to noncurrent loans | 46.8664% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 6.4409% | 783 |
| Noncurrent loans to loans | 4.6186% | 1,499 |
| Net loans and leases to total assets | 84.7176% | 460 |
| Net loans and leases to deposits | 100.2366% | 1,083 |
| Net loans and leases to core deposits | 125.3813% | 1,780 |
| Total domestic deposits to total assets | 84.5176% | 3,469 |
| Equity capital to assets | 10.3933% | 3,624 |
| Core capital (leverage) ratio | 9.5057% | 3,902 |
| Tier 1 risk-based capital ratio | 10.4848% | 6,486 |
| Total risk-based capital ratio | 11.7456% | 6,426 |
| Memoranda: | ||
| Average total assets | $705,108,750 | 978 |
| Average earning assets | $660,545,000 | 947 |
| Average equity | $73,225,750 | 899 |
| Average total loans | $617,762,500 | 776 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8254% | 2,929 |
| Cost of funding earning assets | 1.7157% | 5,196 |
| Net interest margin | 4.1097% | 2,286 |
| Noninterest income to average assets | 0.5167% | 4,297 |
| Noninterest expense to average assets | 3.0968% | 3,716 |
| Loan and lease loss provision to assets | 0.6932% | 2,351 |
| Net operating income to assets | 0.5855% | 3,741 |
| Return on assets (ROA) | 0.5855% | 3,848 |
| Pretax return on assets | 0.5855% | 4,361 |
| Return on Equity (ROE) | 5.6390% | 3,810 |
| Retained earnings to average equity (ytd only) | -1.9301% | 5,723 |
| Net charge-offs to loans | 0.8206% | 2,049 |
| Credit loss provision to net charge-offs | 96.0716% | 4,738 |
| Earnings coverage of net charge-offs (x) | 1.7721% | 4,229 |
| Efficiency ratio | 70.7761% | 4,629 |
| Assets per employee ($millions) | 4.1477% | 3,401 |
| Cash dividends to net income (ytd only)* | 134.2282% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 3,301 |
| Loan loss allowance to noncurrent loans | 31.1378% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 5.2930% | 962 |
| Noncurrent loans to loans | 4.7575% | 1,322 |
| Net loans and leases to total assets | 85.6974% | 404 |
| Net loans and leases to deposits | 104.3994% | 883 |
| Net loans and leases to core deposits | 130.2545% | 1,536 |
| Total domestic deposits to total assets | 82.0860% | 4,651 |
| Equity capital to assets | 10.5191% | 3,383 |
| Core capital (leverage) ratio | 10.0418% | 3,250 |
| Tier 1 risk-based capital ratio | 10.6446% | 6,238 |
| Total risk-based capital ratio | 11.8876% | 6,180 |
| Memoranda: | ||
| Average total assets | $712,600,330 | 984 |
| Average earning assets | $669,098,670 | 949 |
| Average equity | $73,985,000 | 899 |
| Average total loans | $626,648,000 | 785 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8470% | 3,045 |
| Cost of funding earning assets | 1.7358% | 5,448 |
| Net interest margin | 4.1112% | 2,237 |
| Noninterest income to average assets | 0.4830% | 4,477 |
| Noninterest expense to average assets | 3.0873% | 3,424 |
| Loan and lease loss provision to assets | 0.6617% | 1,911 |
| Net operating income to assets | 0.5958% | 4,034 |
| Return on assets (ROA) | 0.5958% | 4,229 |
| Pretax return on assets | 0.5958% | 4,766 |
| Return on Equity (ROE) | 5.7760% | 4,135 |
| Retained earnings to average equity (ytd only) | -9.3813% | 7,045 |
| Net charge-offs to loans | 0.5899% | 1,996 |
| Credit loss provision to net charge-offs | 126.8737% | 3,143 |
| Earnings coverage of net charge-offs (x) | 2.4111% | 3,527 |
| Efficiency ratio | 71.0577% | 4,360 |
| Assets per employee ($millions) | 4.1746% | 3,309 |
| Cash dividends to net income (ytd only)* | 262.4180% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 2,997 |
| Loan loss allowance to noncurrent loans | 32.7220% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 5.1415% | 866 |
| Noncurrent loans to loans | 4.5814% | 1,242 |
| Net loans and leases to total assets | 86.3655% | 397 |
| Net loans and leases to deposits | 109.4821% | 641 |
| Net loans and leases to core deposits | 135.1129% | 1,351 |
| Total domestic deposits to total assets | 78.8855% | 5,771 |
| Equity capital to assets | 10.2102% | 3,758 |
| Core capital (leverage) ratio | 9.7457% | 3,690 |
| Tier 1 risk-based capital ratio | 10.2149% | 6,700 |
| Total risk-based capital ratio | 11.4680% | 6,609 |
| Memoranda: | ||
| Average total assets | $716,343,000 | 977 |
| Average earning assets | $672,896,000 | 947 |
| Average equity | $73,891,500 | 906 |
| Average total loans | $633,296,500 | 786 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3415% | 3,725 |
| Cost of funding earning assets | 2.3245% | 5,041 |
| Net interest margin | 4.0170% | 3,041 |
| Noninterest income to average assets | 0.4387% | 5,128 |
| Noninterest expense to average assets | 2.9581% | 4,235 |
| Loan and lease loss provision to assets | 0.5051% | 2,792 |
| Net operating income to assets | 0.7245% | 3,785 |
| Return on assets (ROA) | 0.7245% | 3,616 |
| Pretax return on assets | 0.7245% | 4,315 |
| Return on Equity (ROE) | 6.7592% | 3,642 |
| Retained earnings to average equity (ytd only) | 2.7670% | 3,457 |
| Net charge-offs to loans | 0.4436% | 2,607 |
| Credit loss provision to net charge-offs | 131.0490% | 4,063 |
| Earnings coverage of net charge-offs (x) | 3.1903% | 4,492 |
| Efficiency ratio | 70.6388% | 4,218 |
| Assets per employee ($millions) | 4.0150% | 3,484 |
| Cash dividends to net income (ytd only)* | 59.0631% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 2,963 |
| Loan loss allowance to noncurrent loans | 34.6105% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 4.5241% | 829 |
| Noncurrent loans to loans | 4.1668% | 1,168 |
| Net loans and leases to total assets | 87.8517% | 385 |
| Net loans and leases to deposits | 111.1772% | 756 |
| Net loans and leases to core deposits | 136.5265% | 1,460 |
| Total domestic deposits to total assets | 79.0196% | 5,373 |
| Equity capital to assets | 10.4205% | 3,590 |
| Core capital (leverage) ratio | 10.2211% | 3,245 |
| Tier 1 risk-based capital ratio | 10.3630% | 6,351 |
| Total risk-based capital ratio | 11.6154% | 6,224 |
| Memoranda: | ||
| Average total assets | $677,730,000 | 981 |
| Average earning assets | $632,514,800 | 959 |
| Average equity | $72,642,000 | 915 |
| Average total loans | $588,807,000 | 812 |