Home > Alliance Bank Central Texas > Performance and Condition Ratios
Alliance Bank Central Texas, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1495% | 992 |
| Cost of funding earning assets | 3.0728% | 275 |
| Net interest margin | 3.0767% | 3,250 |
| Noninterest income to average assets | 0.1800% | 3,674 |
| Noninterest expense to average assets | 2.1011% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8535% | 2,709 |
| Return on assets (ROA) | 0.8535% | 2,708 |
| Pretax return on assets | 0.9345% | 2,885 |
| Return on Equity (ROE) | 7.2900% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.2914% | 1,898 |
| Net charge-offs to loans | -0.0059% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 69.2153% | 1,911 |
| Assets per employee ($millions) | 9.8785% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 2,780 |
| Loan loss allowance to noncurrent loans | 7,789.4737% | 135 |
| Noncurrent assets plus other real estate owned to assets | 1.7223% | 318 |
| Noncurrent loans to loans | 0.0140% | 3,665 |
| Net loans and leases to total assets | 81.7200% | 436 |
| Net loans and leases to deposits | 92.9414% | 842 |
| Net loans and leases to core deposits | 116.2320% | 653 |
| Total domestic deposits to total assets | 87.9300% | 1,581 |
| Equity capital to assets | 11.7858% | 1,318 |
| Core capital (leverage) ratio | 12.2237% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2435% | 1,440 |
| Memoranda: | ||
| Average total assets | $982,354,000 | 1,037 |
| Average earning assets | $911,234,000 | 1,042 |
| Average equity | $114,984,000 | 933 |
| Average total loans | $808,376,000 | 901 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3301% | 884 |
| Cost of funding earning assets | 3.4410% | 209 |
| Net interest margin | 2.8891% | 3,338 |
| Noninterest income to average assets | 0.1500% | 3,997 |
| Noninterest expense to average assets | 1.9552% | 3,691 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.7500% | 2,830 |
| Return on assets (ROA) | 0.7500% | 2,845 |
| Pretax return on assets | 0.8825% | 2,859 |
| Return on Equity (ROE) | 6.3400% | 3,195 |
| Retained earnings to average equity (ytd only) | 6.3422% | 1,691 |
| Net charge-offs to loans | 0.0156% | 2,348 |
| Credit loss provision to net charge-offs | 260.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 1,021 |
| Efficiency ratio | 68.0721% | 2,246 |
| Assets per employee ($millions) | 10.8539% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 2,654 |
| Loan loss allowance to noncurrent loans | 4,163.3803% | 248 |
| Noncurrent assets plus other real estate owned to assets | 1.7518% | 264 |
| Noncurrent loans to loans | 0.0266% | 3,555 |
| Net loans and leases to total assets | 81.0400% | 531 |
| Net loans and leases to deposits | 93.9812% | 860 |
| Net loans and leases to core deposits | 125.0281% | 466 |
| Total domestic deposits to total assets | 86.2400% | 2,142 |
| Equity capital to assets | 11.6232% | 1,316 |
| Core capital (leverage) ratio | 12.1469% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2855% | 1,453 |
| Memoranda: | ||
| Average total assets | $940,494,600 | 1,064 |
| Average earning assets | $885,440,200 | 1,041 |
| Average equity | $111,222,600 | 929 |
| Average total loans | $800,422,000 | 898 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3283% | 852 |
| Cost of funding earning assets | 3.4936% | 203 |
| Net interest margin | 2.8346% | 3,397 |
| Noninterest income to average assets | 0.1500% | 4,001 |
| Noninterest expense to average assets | 1.9448% | 3,690 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.7206% | 2,926 |
| Return on assets (ROA) | 0.7206% | 2,947 |
| Pretax return on assets | 0.8381% | 2,948 |
| Return on Equity (ROE) | 6.0700% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.0662% | 2,060 |
| Net charge-offs to loans | 0.0010% | 2,784 |
| Credit loss provision to net charge-offs | 5,416.6667% | 94 |
| Earnings coverage of net charge-offs (x) | 1,030.0000% | 115 |
| Efficiency ratio | 68.7342% | 2,173 |
| Assets per employee ($millions) | 10.2067% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 2,717 |
| Loan loss allowance to noncurrent loans | 52.5433% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.8019% | 243 |
| Noncurrent loans to loans | 2.1099% | 359 |
| Net loans and leases to total assets | 84.4600% | 232 |
| Net loans and leases to deposits | 96.3768% | 697 |
| Net loans and leases to core deposits | 128.2664% | 421 |
| Total domestic deposits to total assets | 87.6300% | 1,369 |
| Equity capital to assets | 12.0251% | 1,280 |
| Core capital (leverage) ratio | 12.2518% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9892% | 1,538 |
| Memoranda: | ||
| Average total assets | $931,404,500 | 1,069 |
| Average earning assets | $880,051,000 | 1,047 |
| Average equity | $110,642,750 | 925 |
| Average total loans | $800,388,250 | 896 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3023% | 813 |
| Cost of funding earning assets | 3.4764% | 185 |
| Net interest margin | 2.8259% | 3,379 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 1.9173% | 3,721 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7335% | 2,845 |
| Return on assets (ROA) | 0.7335% | 2,856 |
| Pretax return on assets | 0.8471% | 2,880 |
| Return on Equity (ROE) | 6.2000% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.2005% | 1,930 |
| Net charge-offs to loans | -0.0005% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 67.7666% | 2,354 |
| Assets per employee ($millions) | 10.4690% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 2,817 |
| Loan loss allowance to noncurrent loans | 51.7152% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.8616% | 209 |
| Noncurrent loans to loans | 2.1196% | 348 |
| Net loans and leases to total assets | 86.8600% | 120 |
| Net loans and leases to deposits | 101.4464% | 481 |
| Net loans and leases to core deposits | 146.9074% | 198 |
| Total domestic deposits to total assets | 85.6200% | 2,103 |
| Equity capital to assets | 11.9350% | 1,185 |
| Core capital (leverage) ratio | 12.4307% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9869% | 1,525 |
| Memoranda: | ||
| Average total assets | $925,464,667 | 1,078 |
| Average earning assets | $874,984,667 | 1,056 |
| Average equity | $109,475,333 | 929 |
| Average total loans | $796,963,667 | 898 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2708% | 777 |
| Cost of funding earning assets | 3.4597% | 171 |
| Net interest margin | 2.8111% | 3,358 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.8917% | 3,793 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | 0.7008% | 2,846 |
| Return on assets (ROA) | 0.7008% | 2,863 |
| Pretax return on assets | 0.7949% | 2,938 |
| Return on Equity (ROE) | 5.9500% | 3,232 |
| Retained earnings to average equity (ytd only) | 5.9515% | 2,120 |
| Net charge-offs to loans | 0.0117% | 1,660 |
| Credit loss provision to net charge-offs | 1,304.3478% | 283 |
| Earnings coverage of net charge-offs (x) | 92.7391% | 710 |
| Efficiency ratio | 67.1594% | 2,480 |
| Assets per employee ($millions) | 10.8359% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 2,748 |
| Loan loss allowance to noncurrent loans | 21,817.0732% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,813 |
| Noncurrent loans to loans | 0.0051% | 3,773 |
| Net loans and leases to total assets | 83.3800% | 312 |
| Net loans and leases to deposits | 94.3816% | 838 |
| Net loans and leases to core deposits | 131.9626% | 374 |
| Total domestic deposits to total assets | 88.3500% | 1,304 |
| Equity capital to assets | 11.4285% | 1,334 |
| Core capital (leverage) ratio | 12.3118% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0959% | 1,509 |
| Memoranda: | ||
| Average total assets | $922,326,000 | 1,085 |
| Average earning assets | $873,250,000 | 1,060 |
| Average equity | $108,611,500 | 934 |
| Average total loans | $786,291,500 | 908 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8596% | 762 |
| Cost of funding earning assets | 2.8495% | 193 |
| Net interest margin | 3.0101% | 3,259 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.9529% | 3,727 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.6531% | 3,305 |
| Return on assets (ROA) | 0.6531% | 3,284 |
| Pretax return on assets | 0.7819% | 3,252 |
| Return on Equity (ROE) | 5.8800% | 3,542 |
| Retained earnings to average equity (ytd only) | 5.8800% | 2,296 |
| Net charge-offs to loans | -0.0060% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.0969% | 2,463 |
| Assets per employee ($millions) | 9.9011% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 2,679 |
| Loan loss allowance to noncurrent loans | 43,340.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,828 |
| Noncurrent loans to loans | 0.0026% | 3,782 |
| Net loans and leases to total assets | 85.2700% | 192 |
| Net loans and leases to deposits | 97.3193% | 694 |
| Net loans and leases to core deposits | 128.8440% | 419 |
| Total domestic deposits to total assets | 87.6200% | 1,478 |
| Equity capital to assets | 12.1475% | 1,082 |
| Core capital (leverage) ratio | 12.6194% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1701% | 1,487 |
| Memoranda: | ||
| Average total assets | $806,915,800 | 1,171 |
| Average earning assets | $761,994,600 | 1,152 |
| Average equity | $89,625,800 | 1,036 |
| Average total loans | $687,319,800 | 980 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6793% | 815 |
| Cost of funding earning assets | 2.6356% | 220 |
| Net interest margin | 3.0437% | 3,250 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.9762% | 3,651 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 0.6152% | 3,506 |
| Return on assets (ROA) | 0.6152% | 3,500 |
| Pretax return on assets | 0.7380% | 3,478 |
| Return on Equity (ROE) | 5.6900% | 3,691 |
| Retained earnings to average equity (ytd only) | 5.6897% | 2,720 |
| Net charge-offs to loans | -0.0092% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.1563% | 2,371 |
| Assets per employee ($millions) | 10.2293% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 2,719 |
| Loan loss allowance to noncurrent loans | 33,648.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,848 |
| Noncurrent loans to loans | 0.0034% | 3,794 |
| Net loans and leases to total assets | 85.5400% | 179 |
| Net loans and leases to deposits | 105.2706% | 313 |
| Net loans and leases to core deposits | 141.8431% | 202 |
| Total domestic deposits to total assets | 81.2600% | 3,341 |
| Equity capital to assets | 12.0922% | 1,019 |
| Core capital (leverage) ratio | 12.9982% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2385% | 1,496 |
| Memoranda: | ||
| Average total assets | $785,870,750 | 1,202 |
| Average earning assets | $742,187,750 | 1,176 |
| Average equity | $84,970,750 | 1,075 |
| Average total loans | $667,015,500 | 1,001 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 892 |
| Cost of funding earning assets | 2.3621% | 242 |
| Net interest margin | 3.0926% | 3,238 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.0262% | 3,529 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | 0.5800% | 3,633 |
| Return on assets (ROA) | 0.5800% | 3,634 |
| Pretax return on assets | 0.7053% | 3,593 |
| Return on Equity (ROE) | 5.6100% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.6141% | 2,751 |
| Net charge-offs to loans | -0.0143% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6622% | 2,289 |
| Assets per employee ($millions) | 10.0524% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 2,799 |
| Loan loss allowance to noncurrent loans | 28,150.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,853 |
| Noncurrent loans to loans | 0.0040% | 3,794 |
| Net loans and leases to total assets | 82.7500% | 349 |
| Net loans and leases to deposits | 105.9159% | 312 |
| Net loans and leases to core deposits | 138.2474% | 233 |
| Total domestic deposits to total assets | 78.1300% | 3,834 |
| Equity capital to assets | 12.4707% | 934 |
| Core capital (leverage) ratio | 13.8207% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8880% | 1,342 |
| Memoranda: | ||
| Average total assets | $761,406,667 | 1,222 |
| Average earning assets | $719,271,333 | 1,200 |
| Average equity | $78,659,667 | 1,136 |
| Average total loans | $641,540,667 | 1,019 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3075% | 821 |
| Cost of funding earning assets | 2.1032% | 233 |
| Net interest margin | 3.2042% | 3,106 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.1458% | 3,262 |
| Loan and lease loss provision to assets | 0.4500% | 174 |
| Net operating income to assets | 0.4900% | 3,923 |
| Return on assets (ROA) | 0.4900% | 3,886 |
| Pretax return on assets | 0.6047% | 3,830 |
| Return on Equity (ROE) | 5.3800% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.3847% | 2,928 |
| Net charge-offs to loans | 0.0052% | 1,781 |
| Credit loss provision to net charge-offs | 10,112.5000% | 47 |
| Earnings coverage of net charge-offs (x) | 238.1250% | 447 |
| Efficiency ratio | 67.1212% | 2,077 |
| Assets per employee ($millions) | 9.3122% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 2,916 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 83.6800% | 257 |
| Net loans and leases to deposits | 99.0624% | 483 |
| Net loans and leases to core deposits | 125.2246% | 341 |
| Total domestic deposits to total assets | 84.4700% | 2,980 |
| Equity capital to assets | 8.9902% | 2,528 |
| Core capital (leverage) ratio | 10.0513% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8238% | 2,778 |
| Memoranda: | ||
| Average total assets | $724,936,500 | 1,279 |
| Average earning assets | $684,848,000 | 1,264 |
| Average equity | $65,965,000 | 1,303 |
| Average total loans | $613,143,500 | 1,072 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 800 |
| Cost of funding earning assets | 0.7907% | 401 |
| Net interest margin | 3.6594% | 1,476 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.2352% | 2,931 |
| Loan and lease loss provision to assets | 0.3700% | 191 |
| Net operating income to assets | 0.8459% | 3,171 |
| Return on assets (ROA) | 0.8459% | 3,101 |
| Pretax return on assets | 1.0431% | 2,934 |
| Return on Equity (ROE) | 8.6000% | 3,231 |
| Retained earnings to average equity (ytd only) | 8.5999% | 1,605 |
| Net charge-offs to loans | 0.0002% | 2,614 |
| Credit loss provision to net charge-offs | 221,200.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 8,382.0000% | 13 |
| Efficiency ratio | 61.2016% | 2,883 |
| Assets per employee ($millions) | 7.8882% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 2,801 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 83.5700% | 290 |
| Net loans and leases to deposits | 96.2013% | 625 |
| Net loans and leases to core deposits | 121.3081% | 346 |
| Total domestic deposits to total assets | 86.8700% | 2,433 |
| Equity capital to assets | 9.2210% | 2,212 |
| Core capital (leverage) ratio | 10.1470% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6899% | 2,490 |
| Memoranda: | ||
| Average total assets | $591,526,200 | 1,505 |
| Average earning assets | $557,201,600 | 1,486 |
| Average equity | $58,186,400 | 1,437 |
| Average total loans | $459,720,800 | 1,254 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2629% | 790 |
| Cost of funding earning assets | 0.5624% | 541 |
| Net interest margin | 3.7005% | 1,134 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.2759% | 2,701 |
| Loan and lease loss provision to assets | 0.3600% | 169 |
| Net operating income to assets | 0.8368% | 3,112 |
| Return on assets (ROA) | 0.8368% | 3,078 |
| Pretax return on assets | 1.0632% | 2,838 |
| Return on Equity (ROE) | 8.3500% | 3,218 |
| Retained earnings to average equity (ytd only) | 8.3494% | 1,870 |
| Net charge-offs to loans | 0.0003% | 2,342 |
| Credit loss provision to net charge-offs | 154,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 6,068.0000% | 15 |
| Efficiency ratio | 61.4999% | 2,899 |
| Assets per employee ($millions) | 8.6261% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 2,906 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 77.0900% | 791 |
| Net loans and leases to deposits | 87.1928% | 1,088 |
| Net loans and leases to core deposits | 103.1765% | 689 |
| Total domestic deposits to total assets | 88.4200% | 2,303 |
| Equity capital to assets | 8.6703% | 2,427 |
| Core capital (leverage) ratio | 10.4658% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8885% | 2,521 |
| Memoranda: | ||
| Average total assets | $567,839,250 | 1,575 |
| Average earning assets | $534,582,000 | 1,556 |
| Average equity | $56,912,750 | 1,476 |
| Average total loans | $429,645,500 | 1,308 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 744 |
| Cost of funding earning assets | 0.4234% | 787 |
| Net interest margin | 3.6927% | 922 |
| Noninterest income to average assets | 0.2180% | 3,890 |
| Noninterest expense to average assets | 2.3483% | 2,405 |
| Loan and lease loss provision to assets | 0.2875% | 233 |
| Net operating income to assets | 0.7907% | 2,993 |
| Return on assets (ROA) | 0.7907% | 2,960 |
| Pretax return on assets | 1.0532% | 2,560 |
| Return on Equity (ROE) | 7.4726% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.4726% | 1,825 |
| Net charge-offs to loans | -0.0010% | 3,041 |
| Credit loss provision to net charge-offs | -38,500.0000% | 3,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6575% | 2,818 |
| Assets per employee ($millions) | 7.3586% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 3,068 |
| Loan loss allowance to noncurrent loans | 5,869.7674% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 3,864 |
| Noncurrent loans to loans | 0.0191% | 3,823 |
| Net loans and leases to total assets | 79.5432% | 440 |
| Net loans and leases to deposits | 88.7648% | 789 |
| Net loans and leases to core deposits | 96.1345% | 826 |
| Total domestic deposits to total assets | 89.6112% | 1,893 |
| Equity capital to assets | 10.2095% | 1,583 |
| Core capital (leverage) ratio | 11.1751% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3497% | 1,918 |
| Memoranda: | ||
| Average total assets | $535,716,333 | 1,669 |
| Average earning assets | $503,530,000 | 1,649 |
| Average equity | $56,687,333 | 1,510 |
| Average total loans | $400,233,333 | 1,377 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 961 |
| Cost of funding earning assets | 0.3665% | 1,081 |
| Net interest margin | 3.5091% | 1,076 |
| Noninterest income to average assets | 0.2069% | 3,922 |
| Noninterest expense to average assets | 2.2850% | 2,557 |
| Loan and lease loss provision to assets | 0.1909% | 389 |
| Net operating income to assets | 0.8024% | 2,649 |
| Return on assets (ROA) | 0.8024% | 2,642 |
| Pretax return on assets | 1.0421% | 2,313 |
| Return on Equity (ROE) | 7.4430% | 2,891 |
| Retained earnings to average equity (ytd only) | 7.4430% | 1,749 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9523% | 2,914 |
| Assets per employee ($millions) | 7.7867% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 3,208 |
| Loan loss allowance to noncurrent loans | 4,919.5652% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,889 |
| Noncurrent loans to loans | 0.0229% | 3,827 |
| Net loans and leases to total assets | 72.7191% | 770 |
| Net loans and leases to deposits | 81.7205% | 1,031 |
| Net loans and leases to core deposits | 88.8300% | 978 |
| Total domestic deposits to total assets | 88.9851% | 2,088 |
| Equity capital to assets | 10.8531% | 1,407 |
| Core capital (leverage) ratio | 11.6778% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4253% | 1,663 |
| Memoranda: | ||
| Average total assets | $523,946,500 | 1,699 |
| Average earning assets | $494,373,000 | 1,683 |
| Average equity | $56,482,500 | 1,557 |
| Average total loans | $375,401,000 | 1,443 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 1,034 |
| Cost of funding earning assets | 0.4962% | 956 |
| Net interest margin | 3.6790% | 1,268 |
| Noninterest income to average assets | 0.2314% | 3,995 |
| Noninterest expense to average assets | 2.3870% | 2,528 |
| Loan and lease loss provision to assets | 0.3162% | 248 |
| Net operating income to assets | 0.7805% | 3,390 |
| Return on assets (ROA) | 0.8118% | 3,368 |
| Pretax return on assets | 1.0198% | 3,202 |
| Return on Equity (ROE) | 8.7316% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.7316% | 1,273 |
| Net charge-offs to loans | -0.0043% | 3,517 |
| Credit loss provision to net charge-offs | -9,828.5714% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7951% | 2,434 |
| Assets per employee ($millions) | 7.5048% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,780 |
| Loan loss allowance to noncurrent loans | 1,572.0588% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,607 |
| Noncurrent loans to loans | 0.0777% | 3,541 |
| Net loans and leases to total assets | 68.7379% | 1,183 |
| Net loans and leases to deposits | 77.0364% | 1,484 |
| Net loans and leases to core deposits | 86.8631% | 1,146 |
| Total domestic deposits to total assets | 89.2278% | 1,396 |
| Equity capital to assets | 10.7012% | 2,013 |
| Core capital (leverage) ratio | 10.9307% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7892% | 1,582 |
| Memoranda: | ||
| Average total assets | $435,100,800 | 1,878 |
| Average earning assets | $408,314,400 | 1,875 |
| Average equity | $40,450,600 | 2,071 |
| Average total loans | $324,211,000 | 1,611 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 998 |
| Cost of funding earning assets | 0.5277% | 919 |
| Net interest margin | 3.7439% | 1,239 |
| Noninterest income to average assets | 0.2382% | 3,975 |
| Noninterest expense to average assets | 2.3865% | 2,481 |
| Loan and lease loss provision to assets | 0.3432% | 212 |
| Net operating income to assets | 0.7594% | 3,629 |
| Return on assets (ROA) | 0.8022% | 3,590 |
| Pretax return on assets | 1.0665% | 3,282 |
| Return on Equity (ROE) | 9.0393% | 3,095 |
| Retained earnings to average equity (ytd only) | 9.0393% | 1,674 |
| Net charge-offs to loans | 0.0021% | 2,311 |
| Credit loss provision to net charge-offs | 21,520.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 850.2000% | 191 |
| Efficiency ratio | 63.7781% | 2,422 |
| Assets per employee ($millions) | 6.7735% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,207 |
| Loan loss allowance to noncurrent loans | 1,493.2075% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,724 |
| Noncurrent loans to loans | 0.0770% | 3,707 |
| Net loans and leases to total assets | 76.0936% | 546 |
| Net loans and leases to deposits | 84.0828% | 956 |
| Net loans and leases to core deposits | 96.8128% | 709 |
| Total domestic deposits to total assets | 90.4984% | 566 |
| Equity capital to assets | 9.2385% | 3,614 |
| Core capital (leverage) ratio | 8.8441% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8479% | 2,756 |
| Memoranda: | ||
| Average total assets | $418,170,250 | 1,952 |
| Average earning assets | $391,349,000 | 1,950 |
| Average equity | $37,111,250 | 2,220 |
| Average total loans | $317,787,250 | 1,664 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 1,350 |
| Cost of funding earning assets | 0.5610% | 903 |
| Net interest margin | 3.5402% | 1,746 |
| Noninterest income to average assets | 0.2364% | 3,991 |
| Noninterest expense to average assets | 2.3219% | 2,695 |
| Loan and lease loss provision to assets | 0.3799% | 185 |
| Net operating income to assets | 0.6216% | 3,937 |
| Return on assets (ROA) | 0.6873% | 3,855 |
| Pretax return on assets | 0.9262% | 3,606 |
| Return on Equity (ROE) | 7.8623% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.8623% | 2,122 |
| Net charge-offs to loans | 0.0032% | 2,063 |
| Credit loss provision to net charge-offs | 15,520.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 499.6000% | 265 |
| Efficiency ratio | 65.5020% | 2,226 |
| Assets per employee ($millions) | 6.5576% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,449 |
| Loan loss allowance to noncurrent loans | 2,163.9053% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,996 |
| Noncurrent loans to loans | 0.0505% | 3,924 |
| Net loans and leases to total assets | 76.4526% | 552 |
| Net loans and leases to deposits | 84.4698% | 1,030 |
| Net loans and leases to core deposits | 99.5418% | 674 |
| Total domestic deposits to total assets | 90.5088% | 551 |
| Equity capital to assets | 9.2606% | 3,549 |
| Core capital (leverage) ratio | 8.8669% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0996% | 2,680 |
| Memoranda: | ||
| Average total assets | $408,543,333 | 1,975 |
| Average earning assets | $381,790,000 | 1,972 |
| Average equity | $35,714,667 | 2,281 |
| Average total loans | $309,005,000 | 1,704 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 1,361 |
| Cost of funding earning assets | 0.5889% | 920 |
| Net interest margin | 3.5217% | 1,771 |
| Noninterest income to average assets | 0.2291% | 4,006 |
| Noninterest expense to average assets | 2.3743% | 2,583 |
| Loan and lease loss provision to assets | 0.3189% | 278 |
| Net operating income to assets | 0.6109% | 3,910 |
| Return on assets (ROA) | 0.6730% | 3,842 |
| Pretax return on assets | 0.8970% | 3,605 |
| Return on Equity (ROE) | 7.9566% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.9566% | 2,253 |
| Net charge-offs to loans | -0.0027% | 3,198 |
| Credit loss provision to net charge-offs | -15,800.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6149% | 1,993 |
| Assets per employee ($millions) | 6.5145% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,635 |
| Loan loss allowance to noncurrent loans | 1,182.2878% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,912 |
| Noncurrent loans to loans | 0.0891% | 3,858 |
| Net loans and leases to total assets | 72.2056% | 990 |
| Net loans and leases to deposits | 80.4805% | 1,480 |
| Net loans and leases to core deposits | 93.8712% | 987 |
| Total domestic deposits to total assets | 89.7182% | 953 |
| Equity capital to assets | 8.1002% | 4,433 |
| Core capital (leverage) ratio | 8.2355% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7776% | 2,964 |
| Memoranda: | ||
| Average total assets | $396,415,500 | 2,007 |
| Average earning assets | $369,480,000 | 2,005 |
| Average equity | $33,532,000 | 2,371 |
| Average total loans | $296,236,000 | 1,765 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 1,329 |
| Cost of funding earning assets | 0.9630% | 684 |
| Net interest margin | 3.5296% | 2,375 |
| Noninterest income to average assets | 0.1710% | 4,430 |
| Noninterest expense to average assets | 2.5342% | 2,736 |
| Loan and lease loss provision to assets | 0.0993% | 3,095 |
| Net operating income to assets | 0.6334% | 3,639 |
| Return on assets (ROA) | 0.6924% | 3,594 |
| Pretax return on assets | 0.8694% | 3,453 |
| Return on Equity (ROE) | 7.7146% | 2,922 |
| Retained earnings to average equity (ytd only) | 7.7146% | 1,140 |
| Net charge-offs to loans | 0.0039% | 3,223 |
| Credit loss provision to net charge-offs | 3,450.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 310.9000% | 338 |
| Efficiency ratio | 73.9003% | 1,457 |
| Assets per employee ($millions) | 6.0629% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,864 |
| Loan loss allowance to noncurrent loans | 1,260.2620% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 4,040 |
| Noncurrent loans to loans | 0.0795% | 3,974 |
| Net loans and leases to total assets | 75.9070% | 800 |
| Net loans and leases to deposits | 86.6748% | 1,199 |
| Net loans and leases to core deposits | 98.8992% | 960 |
| Total domestic deposits to total assets | 87.5768% | 1,669 |
| Equity capital to assets | 8.8566% | 4,178 |
| Core capital (leverage) ratio | 8.6511% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2541% | 2,852 |
| Memoranda: | ||
| Average total assets | $347,363,600 | 2,067 |
| Average earning assets | $320,655,400 | 2,076 |
| Average equity | $31,174,800 | 2,422 |
| Average total loans | $256,626,400 | 1,888 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 1,516 |
| Cost of funding earning assets | 1.0436% | 653 |
| Net interest margin | 3.4787% | 2,658 |
| Noninterest income to average assets | 0.1419% | 4,596 |
| Noninterest expense to average assets | 2.5727% | 2,617 |
| Loan and lease loss provision to assets | 0.0785% | 3,335 |
| Net operating income to assets | 0.5566% | 3,891 |
| Return on assets (ROA) | 0.6368% | 3,764 |
| Pretax return on assets | 0.7994% | 3,650 |
| Return on Equity (ROE) | 7.0699% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.0699% | 1,658 |
| Net charge-offs to loans | 0.0118% | 2,685 |
| Credit loss provision to net charge-offs | 909.0909% | 893 |
| Earnings coverage of net charge-offs (x) | 90.1818% | 850 |
| Efficiency ratio | 76.7926% | 1,131 |
| Assets per employee ($millions) | 5.4832% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,477 |
| Loan loss allowance to noncurrent loans | 1,257.6037% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,130 |
| Noncurrent loans to loans | 0.0833% | 4,034 |
| Net loans and leases to total assets | 73.4512% | 1,439 |
| Net loans and leases to deposits | 86.4696% | 1,647 |
| Net loans and leases to core deposits | 100.0078% | 1,163 |
| Total domestic deposits to total assets | 84.9446% | 2,463 |
| Equity capital to assets | 9.3111% | 3,851 |
| Core capital (leverage) ratio | 8.7365% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9861% | 2,615 |
| Memoranda: | ||
| Average total assets | $340,229,000 | 2,077 |
| Average earning assets | $313,783,250 | 2,086 |
| Average equity | $30,645,500 | 2,440 |
| Average total loans | $248,727,500 | 1,927 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 1,652 |
| Cost of funding earning assets | 1.1431% | 625 |
| Net interest margin | 3.4520% | 2,940 |
| Noninterest income to average assets | 0.2204% | 4,173 |
| Noninterest expense to average assets | 2.5551% | 2,812 |
| Loan and lease loss provision to assets | 0.0832% | 3,243 |
| Net operating income to assets | 0.5844% | 3,786 |
| Return on assets (ROA) | 0.6820% | 3,559 |
| Pretax return on assets | 0.8863% | 3,348 |
| Return on Equity (ROE) | 7.6612% | 2,879 |
| Retained earnings to average equity (ytd only) | 7.6612% | 1,413 |
| Net charge-offs to loans | 0.0016% | 2,965 |
| Credit loss provision to net charge-offs | 7,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 712.0000% | 141 |
| Efficiency ratio | 75.1266% | 1,355 |
| Assets per employee ($millions) | 5.4784% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,391 |
| Loan loss allowance to noncurrent loans | 1,227.8539% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,029 |
| Noncurrent loans to loans | 0.0842% | 4,123 |
| Net loans and leases to total assets | 73.3938% | 1,496 |
| Net loans and leases to deposits | 86.2364% | 1,737 |
| Net loans and leases to core deposits | 101.9557% | 1,116 |
| Total domestic deposits to total assets | 85.1077% | 2,349 |
| Equity capital to assets | 9.2160% | 3,911 |
| Core capital (leverage) ratio | 8.5690% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9413% | 2,640 |
| Memoranda: | ||
| Average total assets | $336,664,000 | 2,064 |
| Average earning assets | $310,200,000 | 2,071 |
| Average equity | $29,969,000 | 2,465 |
| Average total loans | $244,807,667 | 1,939 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 1,557 |
| Cost of funding earning assets | 1.2717% | 615 |
| Net interest margin | 3.4778% | 3,055 |
| Noninterest income to average assets | 0.2220% | 4,225 |
| Noninterest expense to average assets | 2.5855% | 3,024 |
| Loan and lease loss provision to assets | 0.0243% | 3,495 |
| Net operating income to assets | 0.6611% | 3,404 |
| Return on assets (ROA) | 0.7534% | 3,159 |
| Pretax return on assets | 0.9282% | 3,061 |
| Return on Equity (ROE) | 8.6259% | 2,268 |
| Retained earnings to average equity (ytd only) | 8.6259% | 1,075 |
| Net charge-offs to loans | 0.0051% | 2,395 |
| Credit loss provision to net charge-offs | 666.6667% | 743 |
| Earnings coverage of net charge-offs (x) | 230.3333% | 304 |
| Efficiency ratio | 75.5138% | 1,617 |
| Assets per employee ($millions) | 5.3082% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,332 |
| Loan loss allowance to noncurrent loans | 1,265.0246% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 2,859 |
| Noncurrent loans to loans | 0.0850% | 4,168 |
| Net loans and leases to total assets | 70.6337% | 2,145 |
| Net loans and leases to deposits | 80.7436% | 2,602 |
| Net loans and leases to core deposits | 102.5333% | 1,281 |
| Total domestic deposits to total assets | 87.4790% | 1,346 |
| Equity capital to assets | 8.7777% | 4,705 |
| Core capital (leverage) ratio | 8.1827% | 4,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0927% | 2,654 |
| Memoranda: | ||
| Average total assets | $329,687,000 | 2,043 |
| Average earning assets | $303,521,500 | 2,059 |
| Average equity | $28,797,000 | 2,528 |
| Average total loans | $237,201,000 | 1,947 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 1,974 |
| Cost of funding earning assets | 1.4287% | 507 |
| Net interest margin | 3.3949% | 3,764 |
| Noninterest income to average assets | 0.2493% | 4,185 |
| Noninterest expense to average assets | 2.5497% | 3,321 |
| Loan and lease loss provision to assets | 0.0659% | 2,699 |
| Net operating income to assets | 0.6235% | 4,094 |
| Return on assets (ROA) | 0.6715% | 4,021 |
| Pretax return on assets | 0.8392% | 3,901 |
| Return on Equity (ROE) | 8.2643% | 3,052 |
| Retained earnings to average equity (ytd only) | 7.8783% | 1,015 |
| Net charge-offs to loans | -0.0025% | 4,250 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1039% | 1,471 |
| Assets per employee ($millions) | 5.2413% | 2,296 |
| Cash dividends to net income (ytd only)* | 4.6707% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,047 |
| Loan loss allowance to noncurrent loans | 822.9032% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 2,635 |
| Noncurrent loans to loans | 0.1316% | 3,991 |
| Net loans and leases to total assets | 71.7239% | 2,129 |
| Net loans and leases to deposits | 81.9670% | 2,562 |
| Net loans and leases to core deposits | 108.3848% | 952 |
| Total domestic deposits to total assets | 87.5034% | 1,363 |
| Equity capital to assets | 8.6903% | 4,831 |
| Core capital (leverage) ratio | 8.1451% | 4,994 |
| Tier 1 risk-based capital ratio | 12.2533% | 4,213 |
| Total risk-based capital ratio | 13.4370% | 4,138 |
| Memoranda: | ||
| Average total assets | $318,858,000 | 2,049 |
| Average earning assets | $295,446,800 | 2,059 |
| Average equity | $25,906,600 | 2,641 |
| Average total loans | $235,311,400 | 1,922 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 2,166 |
| Cost of funding earning assets | 1.4481% | 485 |
| Net interest margin | 3.3364% | 4,021 |
| Noninterest income to average assets | 0.2424% | 4,288 |
| Noninterest expense to average assets | 2.5378% | 3,330 |
| Loan and lease loss provision to assets | 0.0882% | 2,142 |
| Net operating income to assets | 0.5480% | 4,407 |
| Return on assets (ROA) | 0.6008% | 4,344 |
| Pretax return on assets | 0.7781% | 4,179 |
| Return on Equity (ROE) | 7.5291% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.0026% | 1,862 |
| Net charge-offs to loans | -0.0040% | 4,152 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0418% | 1,326 |
| Assets per employee ($millions) | 5.4906% | 2,042 |
| Cash dividends to net income (ytd only)* | 6.9930% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,219 |
| Loan loss allowance to noncurrent loans | 1,889.6296% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 2,927 |
| Noncurrent loans to loans | 0.0562% | 4,384 |
| Net loans and leases to total assets | 74.5866% | 1,705 |
| Net loans and leases to deposits | 86.1984% | 2,170 |
| Net loans and leases to core deposits | 119.9495% | 541 |
| Total domestic deposits to total assets | 86.5290% | 1,757 |
| Equity capital to assets | 8.3516% | 5,049 |
| Core capital (leverage) ratio | 7.6383% | 5,176 |
| Tier 1 risk-based capital ratio | 11.6701% | 4,582 |
| Total risk-based capital ratio | 12.8756% | 4,504 |
| Memoranda: | ||
| Average total assets | $317,332,500 | 2,064 |
| Average earning assets | $294,364,250 | 2,076 |
| Average equity | $25,323,250 | 2,702 |
| Average total loans | $235,233,000 | 1,937 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 2,333 |
| Cost of funding earning assets | 1.4264% | 484 |
| Net interest margin | 3.2828% | 4,175 |
| Noninterest income to average assets | 0.2474% | 4,269 |
| Noninterest expense to average assets | 2.5259% | 3,401 |
| Loan and lease loss provision to assets | 0.0820% | 2,199 |
| Net operating income to assets | 0.4632% | 4,609 |
| Return on assets (ROA) | 0.5130% | 4,535 |
| Pretax return on assets | 0.7521% | 4,214 |
| Return on Equity (ROE) | 6.5304% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.7271% | 2,403 |
| Net charge-offs to loans | -0.0103% | 4,336 |
| Credit loss provision to net charge-offs | -1,083.3333% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6124% | 1,319 |
| Assets per employee ($millions) | 5.6493% | 1,826 |
| Cash dividends to net income (ytd only)* | 12.3001% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,525 |
| Loan loss allowance to noncurrent loans | 1,276.2887% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 2,430 |
| Noncurrent loans to loans | 0.0796% | 4,324 |
| Net loans and leases to total assets | 74.9375% | 1,736 |
| Net loans and leases to deposits | 88.4887% | 1,941 |
| Net loans and leases to core deposits | 124.4762% | 419 |
| Total domestic deposits to total assets | 84.6859% | 2,605 |
| Equity capital to assets | 8.0628% | 5,164 |
| Core capital (leverage) ratio | 7.6126% | 5,221 |
| Tier 1 risk-based capital ratio | 11.0406% | 4,891 |
| Total risk-based capital ratio | 12.1758% | 4,857 |
| Memoranda: | ||
| Average total assets | $316,958,670 | 2,069 |
| Average earning assets | $294,444,000 | 2,076 |
| Average equity | $24,899,000 | 2,734 |
| Average total loans | $233,619,000 | 1,953 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 2,392 |
| Cost of funding earning assets | 1.4312% | 408 |
| Net interest margin | 3.2153% | 4,360 |
| Noninterest income to average assets | 0.2277% | 4,377 |
| Noninterest expense to average assets | 2.5608% | 3,336 |
| Loan and lease loss provision to assets | 0.0763% | 2,150 |
| Net operating income to assets | 0.4477% | 4,642 |
| Return on assets (ROA) | 0.4618% | 4,635 |
| Pretax return on assets | 0.5979% | 4,517 |
| Return on Equity (ROE) | 5.9589% | 4,032 |
| Retained earnings to average equity (ytd only) | 4.3173% | 3,197 |
| Net charge-offs to loans | -0.0105% | 4,244 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5967% | 1,095 |
| Assets per employee ($millions) | 5.3082% | 2,163 |
| Cash dividends to net income (ytd only)* | 27.5482% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,436 |
| Loan loss allowance to noncurrent loans | 1,548.3871% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 2,499 |
| Noncurrent loans to loans | 0.0674% | 4,457 |
| Net loans and leases to total assets | 72.6460% | 2,054 |
| Net loans and leases to deposits | 79.9166% | 2,847 |
| Net loans and leases to core deposits | 116.1293% | 643 |
| Total domestic deposits to total assets | 90.9022% | 192 |
| Equity capital to assets | 7.8694% | 5,210 |
| Core capital (leverage) ratio | 7.5782% | 5,276 |
| Tier 1 risk-based capital ratio | 11.1996% | 4,881 |
| Total risk-based capital ratio | 12.3371% | 4,844 |
| Memoranda: | ||
| Average total assets | $314,432,500 | 2,100 |
| Average earning assets | $292,351,500 | 2,097 |
| Average equity | $24,367,000 | 2,774 |
| Average total loans | $228,537,000 | 2,003 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 2,389 |
| Cost of funding earning assets | 1.1262% | 459 |
| Net interest margin | 3.3977% | 4,007 |
| Noninterest income to average assets | 0.2299% | 4,535 |
| Noninterest expense to average assets | 2.4969% | 3,623 |
| Loan and lease loss provision to assets | 0.1042% | 2,110 |
| Net operating income to assets | 0.6404% | 4,314 |
| Return on assets (ROA) | 0.6404% | 4,318 |
| Pretax return on assets | 0.7616% | 4,268 |
| Return on Equity (ROE) | 8.0958% | 3,391 |
| Retained earnings to average equity (ytd only) | 8.0958% | 1,190 |
| Net charge-offs to loans | -0.0005% | 4,158 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2538% | 1,596 |
| Assets per employee ($millions) | 5.6371% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,508 |
| Loan loss allowance to noncurrent loans | 972.5000% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 2,383 |
| Noncurrent loans to loans | 0.1057% | 4,260 |
| Net loans and leases to total assets | 71.2189% | 2,394 |
| Net loans and leases to deposits | 82.0351% | 2,725 |
| Net loans and leases to core deposits | 112.7334% | 846 |
| Total domestic deposits to total assets | 86.8151% | 1,868 |
| Equity capital to assets | 7.6305% | 5,259 |
| Core capital (leverage) ratio | 7.4654% | 5,328 |
| Tier 1 risk-based capital ratio | 11.3245% | 4,802 |
| Total risk-based capital ratio | 12.4557% | 4,777 |
| Memoranda: | ||
| Average total assets | $287,962,200 | 2,220 |
| Average earning assets | $265,502,800 | 2,223 |
| Average equity | $22,777,200 | 2,839 |
| Average total loans | $210,082,400 | 2,093 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 2,432 |
| Cost of funding earning assets | 1.0413% | 498 |
| Net interest margin | 3.4185% | 3,951 |
| Noninterest income to average assets | 0.2514% | 4,469 |
| Noninterest expense to average assets | 2.5501% | 3,440 |
| Loan and lease loss provision to assets | 0.0996% | 2,008 |
| Net operating income to assets | 0.6305% | 4,419 |
| Return on assets (ROA) | 0.6305% | 4,435 |
| Pretax return on assets | 0.7463% | 4,436 |
| Return on Equity (ROE) | 7.8931% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.8931% | 1,704 |
| Net charge-offs to loans | 0.0104% | 3,057 |
| Credit loss provision to net charge-offs | 1,312.5000% | 311 |
| Earnings coverage of net charge-offs (x) | 111.4519% | 693 |
| Efficiency ratio | 75.0908% | 1,447 |
| Assets per employee ($millions) | 5.8739% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,714 |
| Loan loss allowance to noncurrent loans | 537.9227% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 2,200 |
| Noncurrent loans to loans | 0.1871% | 4,047 |
| Net loans and leases to total assets | 71.7058% | 2,373 |
| Net loans and leases to deposits | 82.8285% | 2,728 |
| Net loans and leases to core deposits | 111.6105% | 938 |
| Total domestic deposits to total assets | 86.5714% | 1,934 |
| Equity capital to assets | 7.6056% | 5,286 |
| Core capital (leverage) ratio | 7.5221% | 5,391 |
| Tier 1 risk-based capital ratio | 11.4618% | 4,813 |
| Total risk-based capital ratio | 12.5787% | 4,778 |
| Memoranda: | ||
| Average total assets | $281,033,000 | 2,272 |
| Average earning assets | $258,510,500 | 2,290 |
| Average equity | $22,449,500 | 2,878 |
| Average total loans | $205,813,750 | 2,142 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 2,614 |
| Cost of funding earning assets | 0.8952% | 747 |
| Net interest margin | 3.4473% | 3,808 |
| Noninterest income to average assets | 0.2572% | 4,473 |
| Noninterest expense to average assets | 2.6127% | 3,293 |
| Loan and lease loss provision to assets | 0.0879% | 2,155 |
| Net operating income to assets | 0.5841% | 4,547 |
| Return on assets (ROA) | 0.5841% | 4,544 |
| Pretax return on assets | 0.7175% | 4,470 |
| Return on Equity (ROE) | 7.1837% | 3,841 |
| Retained earnings to average equity (ytd only) | 7.1837% | 1,988 |
| Net charge-offs to loans | 0.0369% | 2,114 |
| Credit loss provision to net charge-offs | 324.3243% | 953 |
| Earnings coverage of net charge-offs (x) | 29.7027% | 1,511 |
| Efficiency ratio | 76.4365% | 1,375 |
| Assets per employee ($millions) | 5.2048% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,902 |
| Loan loss allowance to noncurrent loans | 2,226.3158% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 2,395 |
| Noncurrent loans to loans | 0.0445% | 4,720 |
| Net loans and leases to total assets | 75.1368% | 1,771 |
| Net loans and leases to deposits | 89.9391% | 1,848 |
| Net loans and leases to core deposits | 111.2154% | 924 |
| Total domestic deposits to total assets | 83.5418% | 3,241 |
| Equity capital to assets | 7.9557% | 5,237 |
| Core capital (leverage) ratio | 8.0403% | 5,333 |
| Tier 1 risk-based capital ratio | 11.3498% | 4,869 |
| Total risk-based capital ratio | 12.4499% | 4,850 |
| Memoranda: | ||
| Average total assets | $272,896,000 | 2,331 |
| Average earning assets | $250,226,670 | 2,357 |
| Average equity | $22,189,000 | 2,912 |
| Average total loans | $200,669,000 | 2,179 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 2,421 |
| Cost of funding earning assets | 0.8492% | 769 |
| Net interest margin | 3.4798% | 3,607 |
| Noninterest income to average assets | 0.2530% | 4,493 |
| Noninterest expense to average assets | 2.6457% | 3,201 |
| Loan and lease loss provision to assets | 0.0893% | 2,018 |
| Net operating income to assets | 0.6012% | 4,422 |
| Return on assets (ROA) | 0.6012% | 4,428 |
| Pretax return on assets | 0.7009% | 4,443 |
| Return on Equity (ROE) | 7.3111% | 3,661 |
| Retained earnings to average equity (ytd only) | 7.3111% | 2,143 |
| Net charge-offs to loans | 0.0761% | 1,362 |
| Credit loss provision to net charge-offs | 162.1622% | 1,182 |
| Earnings coverage of net charge-offs (x) | 14.3514% | 1,714 |
| Efficiency ratio | 77.0030% | 1,460 |
| Assets per employee ($millions) | 5.1065% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,666 |
| Loan loss allowance to noncurrent loans | 572.7019% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 2,128 |
| Noncurrent loans to loans | 0.1833% | 4,140 |
| Net loans and leases to total assets | 70.2885% | 2,429 |
| Net loans and leases to deposits | 80.3041% | 2,775 |
| Net loans and leases to core deposits | 97.6532% | 1,857 |
| Total domestic deposits to total assets | 87.5279% | 1,887 |
| Equity capital to assets | 7.9956% | 5,272 |
| Core capital (leverage) ratio | 7.8332% | 5,435 |
| Tier 1 risk-based capital ratio | 11.9644% | 4,566 |
| Total risk-based capital ratio | 13.1125% | 4,523 |
| Memoranda: | ||
| Average total assets | $268,815,000 | 2,378 |
| Average earning assets | $245,876,000 | 2,413 |
| Average equity | $22,103,500 | 2,949 |
| Average total loans | $194,357,000 | 2,239 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 2,542 |
| Cost of funding earning assets | 0.6852% | 1,108 |
| Net interest margin | 3.5535% | 3,327 |
| Noninterest income to average assets | 0.2647% | 4,546 |
| Noninterest expense to average assets | 2.8236% | 2,698 |
| Loan and lease loss provision to assets | 0.0253% | 3,792 |
| Net operating income to assets | 0.5491% | 4,227 |
| Return on assets (ROA) | 0.5812% | 4,134 |
| Pretax return on assets | 0.7071% | 4,489 |
| Return on Equity (ROE) | 6.6215% | 3,470 |
| Retained earnings to average equity (ytd only) | 6.0461% | 1,516 |
| Net charge-offs to loans | -0.0078% | 4,729 |
| Credit loss provision to net charge-offs | -461.5385% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2896% | 1,079 |
| Assets per employee ($millions) | 4.8496% | 2,674 |
| Cash dividends to net income (ytd only)* | 8.6894% | 3,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,596 |
| Loan loss allowance to noncurrent loans | 410.7071% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 1,931 |
| Noncurrent loans to loans | 0.2567% | 3,867 |
| Net loans and leases to total assets | 72.8595% | 2,111 |
| Net loans and leases to deposits | 83.8488% | 2,508 |
| Net loans and leases to core deposits | 105.5023% | 1,298 |
| Total domestic deposits to total assets | 86.8939% | 2,047 |
| Equity capital to assets | 8.4616% | 5,150 |
| Core capital (leverage) ratio | 8.4773% | 5,159 |
| Tier 1 risk-based capital ratio | 12.1039% | 4,461 |
| Total risk-based capital ratio | 13.2744% | 4,394 |
| Memoranda: | ||
| Average total assets | $237,601,800 | 2,579 |
| Average earning assets | $217,448,200 | 2,604 |
| Average equity | $20,856,400 | 3,046 |
| Average total loans | $167,454,000 | 2,454 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,463 |
| Cost of funding earning assets | 0.6606% | 1,180 |
| Net interest margin | 3.5821% | 3,223 |
| Noninterest income to average assets | 0.2856% | 4,483 |
| Noninterest expense to average assets | 2.9035% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5445% | 4,600 |
| Return on assets (ROA) | 0.5770% | 4,512 |
| Pretax return on assets | 0.6939% | 4,622 |
| Return on Equity (ROE) | 6.5072% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.7278% | 2,414 |
| Net charge-offs to loans | -0.0240% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5990% | 952 |
| Assets per employee ($millions) | 4.5255% | 3,092 |
| Cash dividends to net income (ytd only)* | 11.9763% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,302 |
| Loan loss allowance to noncurrent loans | 474.7017% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 1,971 |
| Noncurrent loans to loans | 0.2383% | 4,101 |
| Net loans and leases to total assets | 72.4901% | 2,183 |
| Net loans and leases to deposits | 84.0946% | 2,550 |
| Net loans and leases to core deposits | 103.6409% | 1,414 |
| Total domestic deposits to total assets | 86.2007% | 2,230 |
| Equity capital to assets | 8.8676% | 5,019 |
| Core capital (leverage) ratio | 8.3370% | 5,345 |
| Tier 1 risk-based capital ratio | 12.2224% | 4,483 |
| Total risk-based capital ratio | 13.4600% | 4,384 |
| Memoranda: | ||
| Average total assets | $231,532,750 | 2,649 |
| Average earning assets | $211,526,250 | 2,669 |
| Average equity | $20,530,750 | 3,098 |
| Average total loans | $161,108,500 | 2,551 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 2,552 |
| Cost of funding earning assets | 0.6320% | 1,249 |
| Net interest margin | 3.5467% | 3,229 |
| Noninterest income to average assets | 0.2868% | 4,504 |
| Noninterest expense to average assets | 2.9192% | 2,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5611% | 4,468 |
| Return on assets (ROA) | 0.6164% | 4,273 |
| Pretax return on assets | 0.6653% | 4,647 |
| Return on Equity (ROE) | 6.9511% | 3,574 |
| Retained earnings to average equity (ytd only) | 5.7679% | 2,250 |
| Net charge-offs to loans | -0.0243% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8125% | 936 |
| Assets per employee ($millions) | 4.2076% | 3,605 |
| Cash dividends to net income (ytd only)* | 17.0213% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,204 |
| Loan loss allowance to noncurrent loans | 423.7687% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.8216% | 2,156 |
| Noncurrent loans to loans | 0.2755% | 4,056 |
| Net loans and leases to total assets | 71.1083% | 2,353 |
| Net loans and leases to deposits | 82.3535% | 2,665 |
| Net loans and leases to core deposits | 101.8343% | 1,525 |
| Total domestic deposits to total assets | 86.3453% | 2,219 |
| Equity capital to assets | 8.8832% | 5,008 |
| Core capital (leverage) ratio | 8.3471% | 5,321 |
| Tier 1 risk-based capital ratio | 12.3674% | 4,375 |
| Total risk-based capital ratio | 13.6171% | 4,266 |
| Memoranda: | ||
| Average total assets | $228,759,670 | 2,693 |
| Average earning assets | $208,872,330 | 2,710 |
| Average equity | $20,284,670 | 3,128 |
| Average total loans | $156,192,000 | 2,613 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,623 |
| Cost of funding earning assets | 0.5964% | 1,398 |
| Net interest margin | 3.5123% | 3,229 |
| Noninterest income to average assets | 0.3036% | 4,388 |
| Noninterest expense to average assets | 2.8439% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7527% | 3,463 |
| Return on assets (ROA) | 0.7527% | 3,519 |
| Pretax return on assets | 0.6586% | 4,567 |
| Return on Equity (ROE) | 8.4964% | 2,677 |
| Retained earnings to average equity (ytd only) | 6.0917% | 2,284 |
| Net charge-offs to loans | -0.0214% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1961% | 1,240 |
| Assets per employee ($millions) | 4.3843% | 3,363 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,634 |
| Loan loss allowance to noncurrent loans | 422.3176% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 2,224 |
| Noncurrent loans to loans | 0.3031% | 4,031 |
| Net loans and leases to total assets | 64.1043% | 3,261 |
| Net loans and leases to deposits | 75.8592% | 3,216 |
| Net loans and leases to core deposits | 94.2857% | 1,958 |
| Total domestic deposits to total assets | 84.5043% | 3,295 |
| Equity capital to assets | 8.5385% | 5,210 |
| Core capital (leverage) ratio | 8.4910% | 5,233 |
| Tier 1 risk-based capital ratio | 13.1923% | 3,954 |
| Total risk-based capital ratio | 14.4433% | 3,874 |
| Memoranda: | ||
| Average total assets | $225,327,000 | 2,747 |
| Average earning assets | $205,220,500 | 2,773 |
| Average equity | $19,961,500 | 3,179 |
| Average total loans | $149,524,000 | 2,707 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 2,588 |
| Cost of funding earning assets | 0.5878% | 1,432 |
| Net interest margin | 3.5818% | 3,130 |
| Noninterest income to average assets | 0.4224% | 3,728 |
| Noninterest expense to average assets | 2.9896% | 2,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5016% | 4,628 |
| Return on assets (ROA) | 0.5617% | 4,481 |
| Pretax return on assets | 0.7525% | 4,332 |
| Return on Equity (ROE) | 5.6526% | 4,136 |
| Retained earnings to average equity (ytd only) | 1.9884% | 4,413 |
| Net charge-offs to loans | 0.0524% | 2,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 19.5070% | 1,908 |
| Efficiency ratio | 81.6386% | 1,245 |
| Assets per employee ($millions) | 3.9612% | 4,043 |
| Cash dividends to net income (ytd only)* | 64.8228% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,306 |
| Loan loss allowance to noncurrent loans | 373.3333% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.9799% | 1,933 |
| Noncurrent loans to loans | 0.3613% | 3,834 |
| Net loans and leases to total assets | 67.0174% | 2,928 |
| Net loans and leases to deposits | 74.3656% | 3,475 |
| Net loans and leases to core deposits | 96.3737% | 1,892 |
| Total domestic deposits to total assets | 90.1189% | 592 |
| Equity capital to assets | 9.2135% | 4,568 |
| Core capital (leverage) ratio | 9.0843% | 4,638 |
| Tier 1 risk-based capital ratio | 13.9408% | 3,496 |
| Total risk-based capital ratio | 15.1936% | 3,409 |
| Memoranda: | ||
| Average total assets | $205,978,800 | 2,899 |
| Average earning assets | $186,302,600 | 2,935 |
| Average equity | $20,468,600 | 3,120 |
| Average total loans | $135,614,800 | 2,837 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 2,573 |
| Cost of funding earning assets | 0.5962% | 1,361 |
| Net interest margin | 3.5843% | 3,139 |
| Noninterest income to average assets | 0.4386% | 3,643 |
| Noninterest expense to average assets | 2.9732% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5944% | 4,315 |
| Return on assets (ROA) | 0.6850% | 4,065 |
| Pretax return on assets | 0.8111% | 4,275 |
| Return on Equity (ROE) | 6.7637% | 3,685 |
| Retained earnings to average equity (ytd only) | 3.5368% | 3,779 |
| Net charge-offs to loans | 0.0531% | 2,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.3033% | 1,882 |
| Efficiency ratio | 80.8711% | 1,315 |
| Assets per employee ($millions) | 3.8799% | 4,161 |
| Cash dividends to net income (ytd only)* | 47.7099% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 2,108 |
| Loan loss allowance to noncurrent loans | 353.6673% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 1.1192% | 1,812 |
| Noncurrent loans to loans | 0.4016% | 3,837 |
| Net loans and leases to total assets | 68.0110% | 2,800 |
| Net loans and leases to deposits | 76.6785% | 3,325 |
| Net loans and leases to core deposits | 98.5719% | 1,764 |
| Total domestic deposits to total assets | 88.6963% | 1,051 |
| Equity capital to assets | 10.4656% | 3,601 |
| Core capital (leverage) ratio | 9.3775% | 4,361 |
| Tier 1 risk-based capital ratio | 14.8288% | 3,139 |
| Total risk-based capital ratio | 16.0840% | 3,070 |
| Memoranda: | ||
| Average total assets | $203,997,500 | 2,924 |
| Average earning assets | $184,279,500 | 2,980 |
| Average equity | $20,658,750 | 3,129 |
| Average total loans | $133,190,250 | 2,884 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 2,828 |
| Cost of funding earning assets | 0.5979% | 1,331 |
| Net interest margin | 3.5096% | 3,457 |
| Noninterest income to average assets | 0.4600% | 3,458 |
| Noninterest expense to average assets | 2.9562% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5808% | 4,351 |
| Return on assets (ROA) | 0.7012% | 3,941 |
| Pretax return on assets | 0.8213% | 4,211 |
| Return on Equity (ROE) | 7.0026% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.5644% | 3,007 |
| Net charge-offs to loans | 0.0427% | 2,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 24.8571% | 1,528 |
| Efficiency ratio | 81.3054% | 1,350 |
| Assets per employee ($millions) | 3.9860% | 3,934 |
| Cash dividends to net income (ytd only)* | 34.8189% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 1,990 |
| Loan loss allowance to noncurrent loans | 368.0147% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 2,018 |
| Noncurrent loans to loans | 0.3989% | 3,929 |
| Net loans and leases to total assets | 64.8301% | 3,250 |
| Net loans and leases to deposits | 74.8402% | 3,497 |
| Net loans and leases to core deposits | 95.2737% | 2,043 |
| Total domestic deposits to total assets | 86.6248% | 2,098 |
| Equity capital to assets | 10.0926% | 4,104 |
| Core capital (leverage) ratio | 9.2479% | 4,525 |
| Tier 1 risk-based capital ratio | 15.2840% | 2,944 |
| Total risk-based capital ratio | 16.5386% | 2,875 |
| Memoranda: | ||
| Average total assets | $204,789,000 | 2,935 |
| Average earning assets | $185,321,330 | 2,984 |
| Average equity | $20,506,670 | 3,142 |
| Average total loans | $131,189,000 | 2,917 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 2,751 |
| Cost of funding earning assets | 0.6026% | 1,315 |
| Net interest margin | 3.5220% | 3,383 |
| Noninterest income to average assets | 0.5856% | 2,615 |
| Noninterest expense to average assets | 2.9536% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7042% | 3,690 |
| Return on assets (ROA) | 0.7880% | 3,413 |
| Pretax return on assets | 0.9099% | 3,800 |
| Return on Equity (ROE) | 7.9013% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.9013% | 1,502 |
| Net charge-offs to loans | 0.0156% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 82.8000% | 620 |
| Efficiency ratio | 78.4038% | 1,838 |
| Assets per employee ($millions) | 4.0539% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 1,821 |
| Loan loss allowance to noncurrent loans | 414.9590% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 2,186 |
| Noncurrent loans to loans | 0.3712% | 4,105 |
| Net loans and leases to total assets | 62.5990% | 3,444 |
| Net loans and leases to deposits | 73.7543% | 3,461 |
| Net loans and leases to core deposits | 91.7237% | 2,209 |
| Total domestic deposits to total assets | 84.8750% | 3,178 |
| Equity capital to assets | 10.0256% | 4,046 |
| Core capital (leverage) ratio | 9.3720% | 4,394 |
| Tier 1 risk-based capital ratio | 15.1394% | 3,091 |
| Total risk-based capital ratio | 16.3937% | 3,026 |
| Memoranda: | ||
| Average total assets | $203,548,000 | 2,948 |
| Average earning assets | $183,874,000 | 3,008 |
| Average equity | $20,300,500 | 3,168 |
| Average total loans | $128,595,500 | 2,956 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,088 |
| Cost of funding earning assets | 0.6102% | 1,311 |
| Net interest margin | 3.4467% | 3,733 |
| Noninterest income to average assets | 0.3193% | 4,611 |
| Noninterest expense to average assets | 3.1801% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2168% | 5,539 |
| Return on assets (ROA) | 0.2943% | 5,457 |
| Pretax return on assets | 0.3635% | 5,397 |
| Return on Equity (ROE) | 2.7149% | 5,393 |
| Retained earnings to average equity (ytd only) | -4.4801% | 5,888 |
| Net charge-offs to loans | 0.0363% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.9767% | 2,512 |
| Efficiency ratio | 92.0664% | 570 |
| Assets per employee ($millions) | 3.9283% | 4,066 |
| Cash dividends to net income (ytd only)* | 265.0177% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 1,566 |
| Loan loss allowance to noncurrent loans | 314.3963% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 1,764 |
| Noncurrent loans to loans | 0.5138% | 3,639 |
| Net loans and leases to total assets | 61.7490% | 3,592 |
| Net loans and leases to deposits | 72.3990% | 3,675 |
| Net loans and leases to core deposits | 85.4305% | 2,832 |
| Total domestic deposits to total assets | 85.2899% | 2,959 |
| Equity capital to assets | 9.9194% | 4,050 |
| Core capital (leverage) ratio | 9.4741% | 4,213 |
| Tier 1 risk-based capital ratio | 15.4431% | 2,958 |
| Total risk-based capital ratio | 16.6985% | 2,897 |
| Memoranda: | ||
| Average total assets | $192,289,200 | 3,023 |
| Average earning assets | $174,545,400 | 3,058 |
| Average equity | $20,847,600 | 3,089 |
| Average total loans | $118,462,400 | 3,076 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 3,119 |
| Cost of funding earning assets | 0.6154% | 1,311 |
| Net interest margin | 3.4394% | 3,799 |
| Noninterest income to average assets | 0.3265% | 4,599 |
| Noninterest expense to average assets | 3.2016% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2579% | 5,558 |
| Return on assets (ROA) | 0.3384% | 5,432 |
| Pretax return on assets | 0.3384% | 5,579 |
| Return on Equity (ROE) | 3.0533% | 5,368 |
| Retained earnings to average equity (ytd only) | -0.1011% | 5,617 |
| Net charge-offs to loans | -0.0080% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3233% | 552 |
| Assets per employee ($millions) | 4.1827% | 3,557 |
| Cash dividends to net income (ytd only)* | 103.3138% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7257% | 1,415 |
| Loan loss allowance to noncurrent loans | 234.0832% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 1.3307% | 1,758 |
| Noncurrent loans to loans | 0.7372% | 3,121 |
| Net loans and leases to total assets | 60.2809% | 3,843 |
| Net loans and leases to deposits | 67.8105% | 4,208 |
| Net loans and leases to core deposits | 80.9261% | 3,349 |
| Total domestic deposits to total assets | 88.8961% | 1,078 |
| Equity capital to assets | 10.7173% | 3,342 |
| Core capital (leverage) ratio | 9.9750% | 3,667 |
| Tier 1 risk-based capital ratio | 17.9779% | 2,031 |
| Total risk-based capital ratio | 19.2364% | 1,997 |
| Memoranda: | ||
| Average total assets | $190,275,250 | 3,072 |
| Average earning assets | $173,319,500 | 3,093 |
| Average equity | $21,091,250 | 3,087 |
| Average total loans | $116,642,500 | 3,127 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,116 |
| Cost of funding earning assets | 0.6276% | 1,244 |
| Net interest margin | 3.4148% | 3,857 |
| Noninterest income to average assets | 0.3752% | 4,263 |
| Noninterest expense to average assets | 3.2449% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2360% | 5,616 |
| Return on assets (ROA) | 0.2987% | 5,543 |
| Pretax return on assets | 0.2987% | 5,663 |
| Return on Equity (ROE) | 2.6637% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.6637% | 4,360 |
| Net charge-offs to loans | 0.0087% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 44.4000% | 1,046 |
| Efficiency ratio | 92.9160% | 582 |
| Assets per employee ($millions) | 3.3188% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 1,518 |
| Loan loss allowance to noncurrent loans | 414.6293% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 1,311 |
| Noncurrent loans to loans | 0.4203% | 4,216 |
| Net loans and leases to total assets | 61.6623% | 3,602 |
| Net loans and leases to deposits | 70.1858% | 3,910 |
| Net loans and leases to core deposits | 82.7148% | 3,108 |
| Total domestic deposits to total assets | 87.8558% | 1,724 |
| Equity capital to assets | 11.1741% | 2,694 |
| Core capital (leverage) ratio | 10.5785% | 2,864 |
| Tier 1 risk-based capital ratio | 18.7570% | 1,853 |
| Total risk-based capital ratio | 20.0155% | 1,819 |
| Memoranda: | ||
| Average total assets | $188,171,000 | 3,126 |
| Average earning assets | $171,135,670 | 3,152 |
| Average equity | $21,098,670 | 3,100 |
| Average total loans | $115,328,000 | 3,162 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 3,142 |
| Cost of funding earning assets | 0.6491% | 1,121 |
| Net interest margin | 3.3749% | 3,936 |
| Noninterest income to average assets | 0.3218% | 4,615 |
| Noninterest expense to average assets | 3.2184% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1620% | 5,757 |
| Return on assets (ROA) | 0.1620% | 5,832 |
| Pretax return on assets | 0.1620% | 5,880 |
| Return on Equity (ROE) | 1.4422% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.4422% | 4,906 |
| Net charge-offs to loans | 0.0528% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.0667% | 2,421 |
| Efficiency ratio | 94.8298% | 553 |
| Assets per employee ($millions) | 3.4447% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 1,422 |
| Loan loss allowance to noncurrent loans | 335.1792% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 2.2374% | 1,021 |
| Noncurrent loans to loans | 0.5471% | 3,945 |
| Net loans and leases to total assets | 59.2309% | 3,763 |
| Net loans and leases to deposits | 67.1692% | 4,037 |
| Net loans and leases to core deposits | 79.4174% | 3,230 |
| Total domestic deposits to total assets | 88.1817% | 1,717 |
| Equity capital to assets | 11.4071% | 2,552 |
| Core capital (leverage) ratio | 10.4655% | 3,013 |
| Tier 1 risk-based capital ratio | 19.1357% | 1,832 |
| Total risk-based capital ratio | 20.3950% | 1,784 |
| Memoranda: | ||
| Average total assets | $187,672,000 | 3,146 |
| Average earning assets | $170,079,000 | 3,176 |
| Average equity | $21,079,000 | 3,126 |
| Average total loans | $113,634,500 | 3,204 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 2,890 |
| Cost of funding earning assets | 0.7193% | 1,012 |
| Net interest margin | 3.4986% | 3,803 |
| Noninterest income to average assets | 0.4321% | 3,953 |
| Noninterest expense to average assets | 3.3911% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2234% | 5,720 |
| Return on assets (ROA) | 0.2651% | 5,679 |
| Pretax return on assets | 0.2456% | 5,794 |
| Return on Equity (ROE) | 2.5504% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.5504% | 4,422 |
| Net charge-offs to loans | 0.3646% | 1,194 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.9724% | 4,525 |
| Efficiency ratio | 93.6382% | 613 |
| Assets per employee ($millions) | 3.5722% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8030% | 1,529 |
| Loan loss allowance to noncurrent loans | 909.6491% | 638 |
| Noncurrent assets plus other real estate owned to assets | 1.9870% | 1,286 |
| Noncurrent loans to loans | 0.1982% | 5,112 |
| Net loans and leases to total assets | 59.6626% | 3,831 |
| Net loans and leases to deposits | 67.2365% | 4,198 |
| Net loans and leases to core deposits | 79.4986% | 3,347 |
| Total domestic deposits to total assets | 88.7354% | 1,399 |
| Equity capital to assets | 11.0596% | 2,841 |
| Core capital (leverage) ratio | 10.2074% | 3,300 |
| Tier 1 risk-based capital ratio | 18.5050% | 1,988 |
| Total risk-based capital ratio | 19.7644% | 1,959 |
| Memoranda: | ||
| Average total assets | $189,760,600 | 3,102 |
| Average earning assets | $171,552,600 | 3,137 |
| Average equity | $19,722,600 | 3,192 |
| Average total loans | $109,153,000 | 3,238 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 2,962 |
| Cost of funding earning assets | 0.7427% | 932 |
| Net interest margin | 3.4647% | 3,965 |
| Noninterest income to average assets | 0.4522% | 3,880 |
| Noninterest expense to average assets | 3.3391% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2431% | 5,746 |
| Return on assets (ROA) | 0.2528% | 5,792 |
| Pretax return on assets | 0.2549% | 5,853 |
| Return on Equity (ROE) | 2.4718% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.4718% | 4,814 |
| Net charge-offs to loans | 0.3999% | 992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.0805% | 4,243 |
| Efficiency ratio | 92.3981% | 681 |
| Assets per employee ($millions) | 3.3727% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 1,356 |
| Loan loss allowance to noncurrent loans | 375.0436% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 2.1142% | 1,328 |
| Noncurrent loans to loans | 0.5197% | 4,379 |
| Net loans and leases to total assets | 57.2346% | 4,178 |
| Net loans and leases to deposits | 64.6738% | 4,464 |
| Net loans and leases to core deposits | 74.4017% | 3,910 |
| Total domestic deposits to total assets | 88.4974% | 1,502 |
| Equity capital to assets | 10.7428% | 3,246 |
| Core capital (leverage) ratio | 10.0880% | 3,544 |
| Tier 1 risk-based capital ratio | 18.6169% | 2,010 |
| Total risk-based capital ratio | 19.8775% | 1,974 |
| Memoranda: | ||
| Average total assets | $189,868,750 | 3,129 |
| Average earning assets | $171,631,750 | 3,160 |
| Average equity | $19,418,500 | 3,238 |
| Average total loans | $107,683,250 | 3,292 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2181% | 2,885 |
| Cost of funding earning assets | 0.7517% | 916 |
| Net interest margin | 3.4665% | 3,914 |
| Noninterest income to average assets | 0.5005% | 3,480 |
| Noninterest expense to average assets | 3.3691% | 1,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2545% | 5,696 |
| Return on assets (ROA) | 0.2545% | 5,776 |
| Pretax return on assets | 0.2545% | 5,862 |
| Return on Equity (ROE) | 2.5303% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.5303% | 4,588 |
| Net charge-offs to loans | 0.4774% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.9490% | 3,930 |
| Efficiency ratio | 92.1648% | 755 |
| Assets per employee ($millions) | 3.2493% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0492% | 1,278 |
| Loan loss allowance to noncurrent loans | 343.0341% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 2.2852% | 1,315 |
| Noncurrent loans to loans | 0.5974% | 4,236 |
| Net loans and leases to total assets | 55.2509% | 4,380 |
| Net loans and leases to deposits | 62.0774% | 4,686 |
| Net loans and leases to core deposits | 70.7883% | 4,173 |
| Total domestic deposits to total assets | 89.0032% | 1,346 |
| Equity capital to assets | 10.5941% | 3,321 |
| Core capital (leverage) ratio | 10.0054% | 3,604 |
| Tier 1 risk-based capital ratio | 18.4568% | 2,083 |
| Total risk-based capital ratio | 19.7188% | 2,034 |
| Memoranda: | ||
| Average total assets | $190,201,670 | 3,149 |
| Average earning assets | $171,356,000 | 3,186 |
| Average equity | $19,128,000 | 3,267 |
| Average total loans | $106,828,330 | 3,314 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 2,694 |
| Cost of funding earning assets | 0.7554% | 949 |
| Net interest margin | 3.4932% | 3,730 |
| Noninterest income to average assets | 0.4518% | 3,774 |
| Noninterest expense to average assets | 3.4205% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1752% | 5,866 |
| Return on assets (ROA) | 0.1752% | 5,912 |
| Pretax return on assets | 0.1752% | 5,966 |
| Return on Equity (ROE) | 1.7910% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.7910% | 4,888 |
| Net charge-offs to loans | 0.5387% | 686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5804% | 3,312 |
| Efficiency ratio | 94.2454% | 738 |
| Assets per employee ($millions) | 3.4721% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1975% | 1,165 |
| Loan loss allowance to noncurrent loans | 185.1351% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 3.1900% | 848 |
| Noncurrent loans to loans | 1.1869% | 3,064 |
| Net loans and leases to total assets | 55.2864% | 4,239 |
| Net loans and leases to deposits | 61.6830% | 4,587 |
| Net loans and leases to core deposits | 70.5831% | 4,023 |
| Total domestic deposits to total assets | 89.6299% | 1,292 |
| Equity capital to assets | 10.0431% | 3,796 |
| Core capital (leverage) ratio | 9.4984% | 4,273 |
| Tier 1 risk-based capital ratio | 17.8814% | 2,344 |
| Total risk-based capital ratio | 19.1455% | 2,317 |
| Memoranda: | ||
| Average total assets | $189,447,000 | 3,176 |
| Average earning assets | $170,502,500 | 3,213 |
| Average equity | $18,537,000 | 3,347 |
| Average total loans | $106,173,500 | 3,339 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,847 |
| Cost of funding earning assets | 0.7900% | 1,268 |
| Net interest margin | 3.8182% | 2,580 |
| Noninterest income to average assets | 0.2564% | 5,513 |
| Noninterest expense to average assets | 3.4384% | 1,794 |
| Loan and lease loss provision to assets | 0.2036% | 1,825 |
| Net operating income to assets | 0.0207% | 6,179 |
| Return on assets (ROA) | 0.0317% | 6,202 |
| Pretax return on assets | 0.0396% | 6,167 |
| Return on Equity (ROE) | 0.3170% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.3170% | 5,702 |
| Net charge-offs to loans | 0.4935% | 1,345 |
| Credit loss provision to net charge-offs | 67.0139% | 3,379 |
| Earnings coverage of net charge-offs (x) | 0.7552% | 4,839 |
| Efficiency ratio | 92.5500% | 838 |
| Assets per employee ($millions) | 3.5445% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3242% | 1,018 |
| Loan loss allowance to noncurrent loans | 170.7182% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 3.3286% | 906 |
| Noncurrent loans to loans | 1.3614% | 2,863 |
| Net loans and leases to total assets | 54.2776% | 4,551 |
| Net loans and leases to deposits | 60.1498% | 4,925 |
| Net loans and leases to core deposits | 68.3107% | 4,477 |
| Total domestic deposits to total assets | 90.2374% | 943 |
| Equity capital to assets | 9.5317% | 4,376 |
| Core capital (leverage) ratio | 9.4935% | 4,284 |
| Tier 1 risk-based capital ratio | 17.6950% | 2,344 |
| Total risk-based capital ratio | 18.9607% | 2,317 |
| Memoranda: | ||
| Average total assets | $189,563,200 | 3,167 |
| Average earning assets | $169,372,000 | 3,228 |
| Average equity | $18,927,400 | 3,287 |
| Average total loans | $116,709,000 | 3,116 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 1,695 |
| Cost of funding earning assets | 0.8016% | 1,314 |
| Net interest margin | 3.8643% | 2,398 |
| Noninterest income to average assets | 0.1805% | 6,116 |
| Noninterest expense to average assets | 3.5253% | 1,553 |
| Loan and lease loss provision to assets | 0.2722% | 1,290 |
| Net operating income to assets | -0.1533% | 6,435 |
| Return on assets (ROA) | -0.1368% | 6,450 |
| Pretax return on assets | -0.1523% | 6,441 |
| Return on Equity (ROE) | -1.3544% | 6,446 |
| Retained earnings to average equity (ytd only) | -1.3544% | 6,178 |
| Net charge-offs to loans | 0.5041% | 1,278 |
| Credit loss provision to net charge-offs | 85.5876% | 2,722 |
| Earnings coverage of net charge-offs (x) | 0.3193% | 4,758 |
| Efficiency ratio | 95.9176% | 630 |
| Assets per employee ($millions) | 3.3999% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3186% | 1,157 |
| Loan loss allowance to noncurrent loans | 136.4879% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 3.4675% | 984 |
| Noncurrent loans to loans | 1.6988% | 2,645 |
| Net loans and leases to total assets | 58.4874% | 3,924 |
| Net loans and leases to deposits | 65.1380% | 4,392 |
| Net loans and leases to core deposits | 74.3621% | 3,795 |
| Total domestic deposits to total assets | 89.7900% | 1,114 |
| Equity capital to assets | 9.6736% | 4,332 |
| Core capital (leverage) ratio | 9.4518% | 4,474 |
| Tier 1 risk-based capital ratio | 16.8147% | 2,796 |
| Total risk-based capital ratio | 18.0892% | 2,736 |
| Memoranda: | ||
| Average total assets | $189,103,250 | 3,200 |
| Average earning assets | $168,652,500 | 3,261 |
| Average equity | $19,098,250 | 3,301 |
| Average total loans | $119,296,000 | 3,074 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,591 |
| Cost of funding earning assets | 0.8089% | 1,374 |
| Net interest margin | 3.8828% | 2,262 |
| Noninterest income to average assets | 0.2971% | 5,325 |
| Noninterest expense to average assets | 3.5268% | 1,541 |
| Loan and lease loss provision to assets | 0.1581% | 2,348 |
| Net operating income to assets | 0.0613% | 6,219 |
| Return on assets (ROA) | 0.0832% | 6,255 |
| Pretax return on assets | 0.1043% | 6,228 |
| Return on Equity (ROE) | 0.8130% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.8130% | 5,569 |
| Net charge-offs to loans | 0.3401% | 1,822 |
| Credit loss provision to net charge-offs | 72.4638% | 2,773 |
| Earnings coverage of net charge-offs (x) | 1.0773% | 4,171 |
| Efficiency ratio | 92.4650% | 864 |
| Assets per employee ($millions) | 3.3274% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2567% | 1,322 |
| Loan loss allowance to noncurrent loans | 164.0428% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 3.6607% | 1,017 |
| Noncurrent loans to loans | 1.3757% | 3,250 |
| Net loans and leases to total assets | 59.4895% | 3,750 |
| Net loans and leases to deposits | 66.3614% | 4,222 |
| Net loans and leases to core deposits | 76.1293% | 3,530 |
| Total domestic deposits to total assets | 89.6447% | 1,233 |
| Equity capital to assets | 9.8544% | 4,119 |
| Core capital (leverage) ratio | 9.5752% | 4,114 |
| Tier 1 risk-based capital ratio | 16.6444% | 2,868 |
| Total risk-based capital ratio | 17.9181% | 2,827 |
| Memoranda: | ||
| Average total assets | $189,806,330 | 3,196 |
| Average earning assets | $169,360,330 | 3,264 |
| Average equity | $19,434,670 | 3,272 |
| Average total loans | $121,740,000 | 3,029 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 1,452 |
| Cost of funding earning assets | 0.8186% | 1,426 |
| Net interest margin | 3.9136% | 2,070 |
| Noninterest income to average assets | 0.3476% | 4,900 |
| Noninterest expense to average assets | 3.5623% | 1,491 |
| Loan and lease loss provision to assets | 0.1053% | 2,928 |
| Net operating income to assets | 0.1595% | 6,006 |
| Return on assets (ROA) | 0.1959% | 6,017 |
| Pretax return on assets | 0.2149% | 6,046 |
| Return on Equity (ROE) | 1.8781% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.8781% | 5,056 |
| Net charge-offs to loans | 1.1722% | 501 |
| Credit loss provision to net charge-offs | 13.6612% | 3,112 |
| Earnings coverage of net charge-offs (x) | 0.3634% | 3,691 |
| Efficiency ratio | 91.3925% | 1,034 |
| Assets per employee ($millions) | 3.5695% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 2,196 |
| Loan loss allowance to noncurrent loans | 144.2804% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 3.7334% | 1,108 |
| Noncurrent loans to loans | 1.3453% | 3,547 |
| Net loans and leases to total assets | 62.6461% | 2,944 |
| Net loans and leases to deposits | 70.7146% | 3,362 |
| Net loans and leases to core deposits | 81.1216% | 2,676 |
| Total domestic deposits to total assets | 88.5900% | 1,944 |
| Equity capital to assets | 10.4353% | 3,624 |
| Core capital (leverage) ratio | 9.5062% | 4,067 |
| Tier 1 risk-based capital ratio | 16.2453% | 3,129 |
| Total risk-based capital ratio | 17.5154% | 3,076 |
| Memoranda: | ||
| Average total assets | $189,878,500 | 3,225 |
| Average earning assets | $169,562,500 | 3,282 |
| Average equity | $19,807,000 | 3,266 |
| Average total loans | $124,893,000 | 2,995 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1210% | 1,261 |
| Cost of funding earning assets | 0.9680% | 1,540 |
| Net interest margin | 4.1530% | 1,808 |
| Noninterest income to average assets | 0.3814% | 4,741 |
| Noninterest expense to average assets | 3.4594% | 1,926 |
| Loan and lease loss provision to assets | 1.6736% | 165 |
| Net operating income to assets | -0.7414% | 6,662 |
| Return on assets (ROA) | -0.3936% | 6,556 |
| Pretax return on assets | -0.5275% | 6,586 |
| Return on Equity (ROE) | -4.0977% | 6,554 |
| Retained earnings to average equity (ytd only) | -4.0977% | 6,364 |
| Net charge-offs to loans | 1.4965% | 599 |
| Credit loss provision to net charge-offs | 159.9813% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.6523% | 5,158 |
| Efficiency ratio | 82.1162% | 1,853 |
| Assets per employee ($millions) | 3.5291% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0640% | 1,849 |
| Loan loss allowance to noncurrent loans | 115.9983% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 4.0573% | 1,051 |
| Noncurrent loans to loans | 1.7794% | 2,949 |
| Net loans and leases to total assets | 66.2542% | 2,489 |
| Net loans and leases to deposits | 74.6998% | 2,995 |
| Net loans and leases to core deposits | 85.6984% | 2,354 |
| Total domestic deposits to total assets | 88.6940% | 1,772 |
| Equity capital to assets | 10.4276% | 3,616 |
| Core capital (leverage) ratio | 9.1591% | 4,646 |
| Tier 1 risk-based capital ratio | 15.3125% | 3,536 |
| Total risk-based capital ratio | 16.5839% | 3,478 |
| Memoranda: | ||
| Average total assets | $203,996,800 | 3,003 |
| Average earning assets | $184,709,600 | 3,032 |
| Average equity | $19,596,200 | 3,250 |
| Average total loans | $142,597,600 | 2,684 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 1,308 |
| Cost of funding earning assets | 0.9998% | 1,560 |
| Net interest margin | 4.1470% | 1,913 |
| Noninterest income to average assets | 0.3729% | 4,845 |
| Noninterest expense to average assets | 3.3488% | 2,134 |
| Loan and lease loss provision to assets | 1.5522% | 202 |
| Net operating income to assets | -0.7282% | 6,787 |
| Return on assets (ROA) | -0.3337% | 6,654 |
| Pretax return on assets | -0.3485% | 6,628 |
| Return on Equity (ROE) | -3.5437% | 6,653 |
| Retained earnings to average equity (ytd only) | -3.5437% | 6,522 |
| Net charge-offs to loans | 0.9743% | 1,092 |
| Credit loss provision to net charge-offs | 226.2418% | 1,222 |
| Earnings coverage of net charge-offs (x) | 1.1556% | 4,724 |
| Efficiency ratio | 79.4131% | 2,186 |
| Assets per employee ($millions) | 3.6601% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9392% | 2,359 |
| Loan loss allowance to noncurrent loans | 72.6571% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 4.2697% | 1,107 |
| Noncurrent loans to loans | 2.6690% | 2,122 |
| Net loans and leases to total assets | 68.5530% | 2,208 |
| Net loans and leases to deposits | 77.1333% | 2,789 |
| Net loans and leases to core deposits | 89.6401% | 2,033 |
| Total domestic deposits to total assets | 88.8760% | 1,499 |
| Equity capital to assets | 9.8533% | 4,705 |
| Core capital (leverage) ratio | 8.4593% | 5,811 |
| Tier 1 risk-based capital ratio | 13.7857% | 4,696 |
| Total risk-based capital ratio | 15.0523% | 4,646 |
| Memoranda: | ||
| Average total assets | $207,353,000 | 2,993 |
| Average earning assets | $188,437,750 | 3,009 |
| Average equity | $19,527,250 | 3,287 |
| Average total loans | $146,016,250 | 2,661 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 1,203 |
| Cost of funding earning assets | 1.0141% | 1,680 |
| Net interest margin | 4.2053% | 1,735 |
| Noninterest income to average assets | 0.3515% | 5,027 |
| Noninterest expense to average assets | 3.2335% | 2,485 |
| Loan and lease loss provision to assets | 1.1081% | 385 |
| Net operating income to assets | -0.1054% | 6,442 |
| Return on assets (ROA) | 0.2445% | 5,969 |
| Pretax return on assets | 0.3706% | 5,778 |
| Return on Equity (ROE) | 2.6358% | 5,829 |
| Retained earnings to average equity (ytd only) | 2.6358% | 4,862 |
| Net charge-offs to loans | 0.0988% | 4,182 |
| Credit loss provision to net charge-offs | 1,589.0411% | 206 |
| Earnings coverage of net charge-offs (x) | 13.6027% | 1,781 |
| Efficiency ratio | 75.8566% | 2,765 |
| Assets per employee ($millions) | 3.5778% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 3,368 |
| Loan loss allowance to noncurrent loans | 197.6781% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 2.5584% | 2,184 |
| Noncurrent loans to loans | 0.8432% | 4,828 |
| Net loans and leases to total assets | 70.1958% | 1,884 |
| Net loans and leases to deposits | 78.6489% | 2,574 |
| Net loans and leases to core deposits | 88.3262% | 2,175 |
| Total domestic deposits to total assets | 89.2521% | 1,356 |
| Equity capital to assets | 9.8322% | 4,573 |
| Core capital (leverage) ratio | 8.5211% | 5,627 |
| Tier 1 risk-based capital ratio | 13.5971% | 4,744 |
| Total risk-based capital ratio | 14.8617% | 4,703 |
| Memoranda: | ||
| Average total assets | $209,369,330 | 2,972 |
| Average earning assets | $190,711,670 | 2,985 |
| Average equity | $19,424,670 | 3,294 |
| Average total loans | $147,778,670 | 2,646 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2516% | 1,205 |
| Cost of funding earning assets | 1.0237% | 1,847 |
| Net interest margin | 4.2279% | 1,681 |
| Noninterest income to average assets | 0.3138% | 5,366 |
| Noninterest expense to average assets | 3.3286% | 2,204 |
| Loan and lease loss provision to assets | 2.1683% | 129 |
| Net operating income to assets | -1.3181% | 7,056 |
| Return on assets (ROA) | -1.2401% | 7,053 |
| Pretax return on assets | -1.2401% | 7,026 |
| Return on Equity (ROE) | -13.7731% | 7,052 |
| Retained earnings to average equity (ytd only) | -13.7731% | 6,949 |
| Net charge-offs to loans | -0.1572% | 6,928 |
| Credit loss provision to net charge-offs | -1,965.5172% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1520% | 2,475 |
| Assets per employee ($millions) | 3.6074% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 3,158 |
| Loan loss allowance to noncurrent loans | 175.9891% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 2.6002% | 2,274 |
| Noncurrent loans to loans | 0.9950% | 4,687 |
| Net loans and leases to total assets | 66.8798% | 2,317 |
| Net loans and leases to deposits | 73.8671% | 3,133 |
| Net loans and leases to core deposits | 83.6756% | 2,585 |
| Total domestic deposits to total assets | 90.5408% | 782 |
| Equity capital to assets | 8.6087% | 5,987 |
| Core capital (leverage) ratio | 7.6777% | 6,504 |
| Tier 1 risk-based capital ratio | 12.3736% | 5,701 |
| Total risk-based capital ratio | 13.6397% | 5,649 |
| Memoranda: | ||
| Average total assets | $210,298,500 | 2,986 |
| Average earning assets | $192,247,000 | 2,994 |
| Average equity | $18,935,500 | 3,357 |
| Average total loans | $147,601,500 | 2,669 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4434% | 1,318 |
| Cost of funding earning assets | 1.0769% | 2,827 |
| Net interest margin | 4.3665% | 1,491 |
| Noninterest income to average assets | 0.3477% | 5,027 |
| Noninterest expense to average assets | 3.0606% | 3,353 |
| Loan and lease loss provision to assets | 0.3604% | 2,842 |
| Net operating income to assets | 0.5946% | 4,028 |
| Return on assets (ROA) | 0.6472% | 3,945 |
| Pretax return on assets | 1.0351% | 3,102 |
| Return on Equity (ROE) | 7.3545% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.3545% | 1,339 |
| Net charge-offs to loans | 0.5410% | 2,849 |
| Credit loss provision to net charge-offs | 89.6465% | 4,019 |
| Earnings coverage of net charge-offs (x) | 3.2664% | 3,578 |
| Efficiency ratio | 68.1639% | 4,323 |
| Assets per employee ($millions) | 3.5816% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,444 |
| Loan loss allowance to noncurrent loans | 38.2190% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 1.8138% | 3,240 |
| Noncurrent loans to loans | 2.4455% | 2,687 |
| Net loans and leases to total assets | 71.7519% | 1,687 |
| Net loans and leases to deposits | 79.9135% | 2,538 |
| Net loans and leases to core deposits | 92.4580% | 1,844 |
| Total domestic deposits to total assets | 89.7870% | 1,106 |
| Equity capital to assets | 9.4234% | 5,001 |
| Core capital (leverage) ratio | 8.3171% | 5,831 |
| Tier 1 risk-based capital ratio | 13.0442% | 5,028 |
| Total risk-based capital ratio | 14.1315% | 5,144 |
| Memoranda: | ||
| Average total assets | $196,990,600 | 3,089 |
| Average earning assets | $181,634,000 | 3,069 |
| Average equity | $17,336,400 | 3,525 |
| Average total loans | $146,384,000 | 2,690 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4848% | 1,286 |
| Cost of funding earning assets | 1.0882% | 3,058 |
| Net interest margin | 4.3965% | 1,415 |
| Noninterest income to average assets | 0.3531% | 5,030 |
| Noninterest expense to average assets | 2.9603% | 3,703 |
| Loan and lease loss provision to assets | 0.4508% | 2,212 |
| Net operating income to assets | 0.5219% | 4,450 |
| Return on assets (ROA) | 0.5403% | 4,547 |
| Pretax return on assets | 1.0300% | 3,287 |
| Return on Equity (ROE) | 6.2549% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.2549% | 2,396 |
| Net charge-offs to loans | 0.1242% | 4,800 |
| Credit loss provision to net charge-offs | 485.2941% | 572 |
| Earnings coverage of net charge-offs (x) | 15.6323% | 1,451 |
| Efficiency ratio | 65.2322% | 4,860 |
| Assets per employee ($millions) | 3.7271% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 4,854 |
| Loan loss allowance to noncurrent loans | 148.2476% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 5,403 |
| Noncurrent loans to loans | 0.8995% | 5,068 |
| Net loans and leases to total assets | 71.7534% | 1,766 |
| Net loans and leases to deposits | 81.9272% | 2,371 |
| Net loans and leases to core deposits | 95.0494% | 1,694 |
| Total domestic deposits to total assets | 87.5819% | 2,304 |
| Equity capital to assets | 9.0780% | 5,663 |
| Core capital (leverage) ratio | 8.1365% | 6,234 |
| Tier 1 risk-based capital ratio | 12.4251% | 5,551 |
| Total risk-based capital ratio | 13.6793% | 5,539 |
| Memoranda: | ||
| Average total assets | $195,200,250 | 3,131 |
| Average earning assets | $180,228,250 | 3,107 |
| Average equity | $16,861,000 | 3,608 |
| Average total loans | $146,013,750 | 2,718 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 1,342 |
| Cost of funding earning assets | 1.1277% | 3,050 |
| Net interest margin | 4.3540% | 1,502 |
| Noninterest income to average assets | 0.3522% | 5,073 |
| Noninterest expense to average assets | 2.9885% | 3,690 |
| Loan and lease loss provision to assets | 0.0834% | 5,268 |
| Net operating income to assets | 0.8378% | 2,912 |
| Return on assets (ROA) | 0.8378% | 3,019 |
| Pretax return on assets | 1.3077% | 2,114 |
| Return on Equity (ROE) | 9.8782% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.8782% | 882 |
| Net charge-offs to loans | 0.0828% | 4,816 |
| Credit loss provision to net charge-offs | 133.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,123 |
| Efficiency ratio | 66.2860% | 4,821 |
| Assets per employee ($millions) | 3.4038% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,305 |
| Loan loss allowance to noncurrent loans | 153.4643% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 5,920 |
| Noncurrent loans to loans | 0.6556% | 5,607 |
| Net loans and leases to total assets | 75.2612% | 1,192 |
| Net loans and leases to deposits | 83.4584% | 2,189 |
| Net loans and leases to core deposits | 93.2861% | 1,988 |
| Total domestic deposits to total assets | 90.1781% | 879 |
| Equity capital to assets | 8.9900% | 5,591 |
| Core capital (leverage) ratio | 7.7086% | 6,581 |
| Tier 1 risk-based capital ratio | 11.8537% | 5,896 |
| Total risk-based capital ratio | 13.0329% | 5,939 |
| Memoranda: | ||
| Average total assets | $191,936,670 | 3,198 |
| Average earning assets | $177,536,330 | 3,168 |
| Average equity | $16,278,330 | 3,685 |
| Average total loans | $144,993,000 | 2,758 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4187% | 1,501 |
| Cost of funding earning assets | 1.1300% | 3,297 |
| Net interest margin | 4.2887% | 1,593 |
| Noninterest income to average assets | 0.3499% | 5,106 |
| Noninterest expense to average assets | 3.0027% | 3,638 |
| Loan and lease loss provision to assets | 0.1257% | 4,428 |
| Net operating income to assets | 0.7522% | 3,263 |
| Return on assets (ROA) | 0.7522% | 3,327 |
| Pretax return on assets | 1.1818% | 2,444 |
| Return on Equity (ROE) | 9.1485% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.1485% | 1,335 |
| Net charge-offs to loans | 0.1670% | 3,476 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,636 |
| Efficiency ratio | 67.6228% | 4,737 |
| Assets per employee ($millions) | 4.2343% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,334 |
| Loan loss allowance to noncurrent loans | 275.1880% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 6,463 |
| Noncurrent loans to loans | 0.3689% | 6,261 |
| Net loans and leases to total assets | 73.2838% | 1,463 |
| Net loans and leases to deposits | 80.4414% | 2,627 |
| Net loans and leases to core deposits | 94.9878% | 1,771 |
| Total domestic deposits to total assets | 91.1021% | 577 |
| Equity capital to assets | 8.4466% | 5,985 |
| Core capital (leverage) ratio | 7.5318% | 6,708 |
| Tier 1 risk-based capital ratio | 11.5501% | 6,067 |
| Total risk-based capital ratio | 12.7466% | 6,087 |
| Memoranda: | ||
| Average total assets | $190,897,500 | 3,238 |
| Average earning assets | $176,279,000 | 3,205 |
| Average equity | $15,696,500 | 3,781 |
| Average total loans | $143,738,500 | 2,807 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9026% | 1,039 |
| Cost of funding earning assets | 1.3366% | 3,655 |
| Net interest margin | 4.5661% | 1,088 |
| Noninterest income to average assets | 0.3630% | 5,205 |
| Noninterest expense to average assets | 3.4890% | 2,210 |
| Loan and lease loss provision to assets | 0.6366% | 2,587 |
| Net operating income to assets | 0.5742% | 3,779 |
| Return on assets (ROA) | 0.6476% | 3,602 |
| Pretax return on assets | 0.4909% | 4,650 |
| Return on Equity (ROE) | 7.7901% | 2,784 |
| Retained earnings to average equity (ytd only) | 7.7901% | 1,044 |
| Net charge-offs to loans | 0.3317% | 4,350 |
| Credit loss provision to net charge-offs | 244.1315% | 1,179 |
| Earnings coverage of net charge-offs (x) | 4.0423% | 3,091 |
| Efficiency ratio | 74.0501% | 3,388 |
| Assets per employee ($millions) | 3.8167% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 6,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 75.8264% | 1,314 |
| Net loans and leases to deposits | 82.7357% | 2,675 |
| Net loans and leases to core deposits | 95.9836% | 2,018 |
| Total domestic deposits to total assets | 91.6489% | 357 |
| Equity capital to assets | 7.9891% | 6,509 |
| Core capital (leverage) ratio | 6.9303% | 7,054 |
| Tier 1 risk-based capital ratio | 10.1273% | 6,918 |
| Total risk-based capital ratio | 11.3105% | 6,938 |
| Memoranda: | ||
| Average total assets | $163,370,400 | 3,641 |
| Average earning assets | $149,560,200 | 3,641 |
| Average equity | $13,581,400 | 4,239 |
| Average total loans | $128,426,200 | 3,152 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9410% | 1,051 |
| Cost of funding earning assets | 1.3606% | 3,830 |
| Net interest margin | 4.5804% | 1,084 |
| Noninterest income to average assets | 0.3353% | 5,480 |
| Noninterest expense to average assets | 3.2050% | 2,913 |
| Loan and lease loss provision to assets | 0.5335% | 2,806 |
| Net operating income to assets | 0.3516% | 4,958 |
| Return on assets (ROA) | 0.4166% | 4,851 |
| Pretax return on assets | 0.8832% | 3,616 |
| Return on Equity (ROE) | 4.9540% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.9540% | 3,026 |
| Net charge-offs to loans | 0.0898% | 5,629 |
| Credit loss provision to net charge-offs | 750.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 18.4876% | 1,258 |
| Efficiency ratio | 67.9281% | 4,476 |
| Assets per employee ($millions) | 3.9195% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 6,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 77.3726% | 1,150 |
| Net loans and leases to deposits | 84.3281% | 2,649 |
| Net loans and leases to core deposits | 96.7694% | 2,171 |
| Total domestic deposits to total assets | 91.7519% | 245 |
| Equity capital to assets | 7.9477% | 6,844 |
| Core capital (leverage) ratio | 6.7683% | 7,264 |
| Tier 1 risk-based capital ratio | 9.7139% | 7,183 |
| Total risk-based capital ratio | 10.9065% | 7,197 |
| Memoranda: | ||
| Average total assets | $157,458,500 | 3,806 |
| Average earning assets | $143,855,250 | 3,796 |
| Average equity | $13,241,500 | 4,386 |
| Average total loans | $124,714,500 | 3,268 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9955% | 961 |
| Cost of funding earning assets | 1.3850% | 3,969 |
| Net interest margin | 4.6104% | 971 |
| Noninterest income to average assets | 0.3295% | 5,523 |
| Noninterest expense to average assets | 3.1968% | 2,908 |
| Loan and lease loss provision to assets | 0.5954% | 2,398 |
| Net operating income to assets | 0.4366% | 4,594 |
| Return on assets (ROA) | 0.4366% | 4,749 |
| Pretax return on assets | 0.7304% | 4,139 |
| Return on Equity (ROE) | 5.0837% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.0837% | 2,859 |
| Net charge-offs to loans | 0.0100% | 6,213 |
| Credit loss provision to net charge-offs | 7,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 212 |
| Efficiency ratio | 68.9877% | 4,382 |
| Assets per employee ($millions) | 3.5342% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,427 |
| Loan loss allowance to noncurrent loans | 3,235.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,342 |
| Noncurrent loans to loans | 0.0308% | 7,246 |
| Net loans and leases to total assets | 79.1449% | 930 |
| Net loans and leases to deposits | 88.5260% | 2,087 |
| Net loans and leases to core deposits | 100.5470% | 1,961 |
| Total domestic deposits to total assets | 89.4030% | 1,225 |
| Equity capital to assets | 8.5561% | 6,093 |
| Core capital (leverage) ratio | 7.2468% | 7,036 |
| Tier 1 risk-based capital ratio | 10.3820% | 6,777 |
| Total risk-based capital ratio | 11.5858% | 6,793 |
| Memoranda: | ||
| Average total assets | $151,151,670 | 3,933 |
| Average earning assets | $137,470,670 | 3,944 |
| Average equity | $12,982,670 | 4,445 |
| Average total loans | $120,331,000 | 3,404 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9823% | 1,010 |
| Cost of funding earning assets | 1.4278% | 4,005 |
| Net interest margin | 4.5545% | 1,038 |
| Noninterest income to average assets | 0.2640% | 6,039 |
| Noninterest expense to average assets | 3.3608% | 2,340 |
| Loan and lease loss provision to assets | 0.9076% | 1,402 |
| Net operating income to assets | -0.0275% | 6,345 |
| Return on assets (ROA) | -0.0275% | 6,432 |
| Pretax return on assets | 0.1100% | 6,107 |
| Return on Equity (ROE) | -0.3195% | 6,448 |
| Retained earnings to average equity (ytd only) | -0.3195% | 5,904 |
| Net charge-offs to loans | 0.0104% | 5,445 |
| Credit loss provision to net charge-offs | 11,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 123.3333% | 267 |
| Efficiency ratio | 73.1156% | 3,740 |
| Assets per employee ($millions) | 3.6770% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,495 |
| Loan loss allowance to noncurrent loans | 2,179.6296% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 7,407 |
| Noncurrent loans to loans | 0.0457% | 7,297 |
| Net loans and leases to total assets | 77.5702% | 1,225 |
| Net loans and leases to deposits | 84.9156% | 2,783 |
| Net loans and leases to core deposits | 90.7521% | 3,265 |
| Total domestic deposits to total assets | 91.3498% | 422 |
| Equity capital to assets | 8.4804% | 6,028 |
| Core capital (leverage) ratio | 6.8312% | 7,337 |
| Tier 1 risk-based capital ratio | 9.9579% | 7,061 |
| Total risk-based capital ratio | 11.1221% | 7,108 |
| Memoranda: | ||
| Average total assets | $145,440,500 | 4,104 |
| Average earning assets | $131,387,500 | 4,125 |
| Average equity | $12,519,000 | 4,587 |
| Average total loans | $115,515,000 | 3,553 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1120% | 1,483 |
| Cost of funding earning assets | 1.4532% | 5,708 |
| Net interest margin | 4.6588% | 890 |
| Noninterest income to average assets | 0.3352% | 5,695 |
| Noninterest expense to average assets | 3.5922% | 2,164 |
| Loan and lease loss provision to assets | 0.4658% | 4,045 |
| Net operating income to assets | 0.3510% | 4,318 |
| Return on assets (ROA) | 0.3510% | 4,413 |
| Pretax return on assets | 0.5007% | 4,183 |
| Return on Equity (ROE) | 3.8540% | 4,146 |
| Retained earnings to average equity (ytd only) | 3.8540% | 2,509 |
| Net charge-offs to loans | 0.3250% | 4,611 |
| Credit loss provision to net charge-offs | 175.5486% | 2,394 |
| Earnings coverage of net charge-offs (x) | 3.6426% | 3,260 |
| Efficiency ratio | 73.7639% | 3,947 |
| Assets per employee ($millions) | 3.5031% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 7,259 |
| Loan loss allowance to noncurrent loans | 726.4957% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 7,290 |
| Noncurrent loans to loans | 0.1036% | 7,152 |
| Net loans and leases to total assets | 79.9725% | 994 |
| Net loans and leases to deposits | 88.4562% | 2,480 |
| Net loans and leases to core deposits | 114.7910% | 2,437 |
| Total domestic deposits to total assets | 90.4091% | 775 |
| Equity capital to assets | 8.7445% | 5,523 |
| Core capital (leverage) ratio | 7.0638% | 7,186 |
| Tier 1 risk-based capital ratio | 9.9643% | 6,907 |
| Total risk-based capital ratio | 10.8588% | 7,134 |
| Memoranda: | ||
| Average total assets | $120,232,800 | 4,554 |
| Average earning assets | $108,998,400 | 4,596 |
| Average equity | $10,949,800 | 5,037 |
| Average total loans | $98,156,000 | 4,001 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0496% | 1,844 |
| Cost of funding earning assets | 1.4431% | 6,066 |
| Net interest margin | 4.6065% | 981 |
| Noninterest income to average assets | 0.3308% | 5,842 |
| Noninterest expense to average assets | 3.5293% | 2,202 |
| Loan and lease loss provision to assets | 0.2545% | 4,915 |
| Net operating income to assets | 0.4754% | 4,092 |
| Return on assets (ROA) | 0.4789% | 4,174 |
| Pretax return on assets | 0.7415% | 3,724 |
| Return on Equity (ROE) | 5.1957% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.1957% | 2,374 |
| Net charge-offs to loans | -0.1764% | 7,966 |
| Credit loss provision to net charge-offs | -176.0000% | 7,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5761% | 4,132 |
| Assets per employee ($millions) | 3.4310% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 6,830 |
| Loan loss allowance to noncurrent loans | 323.3898% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 6,935 |
| Noncurrent loans to loans | 0.2735% | 6,829 |
| Net loans and leases to total assets | 84.2194% | 513 |
| Net loans and leases to deposits | 97.1124% | 1,427 |
| Net loans and leases to core deposits | 123.6157% | 1,944 |
| Total domestic deposits to total assets | 86.7236% | 2,314 |
| Equity capital to assets | 9.1503% | 5,261 |
| Core capital (leverage) ratio | 7.2270% | 7,238 |
| Tier 1 risk-based capital ratio | 10.0123% | 6,968 |
| Total risk-based capital ratio | 11.0985% | 7,060 |
| Memoranda: | ||
| Average total assets | $115,260,500 | 4,711 |
| Average earning assets | $104,863,500 | 4,742 |
| Average equity | $10,624,000 | 5,159 |
| Average total loans | $94,467,750 | 4,133 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9347% | 2,438 |
| Cost of funding earning assets | 1.4585% | 6,296 |
| Net interest margin | 4.4762% | 1,222 |
| Noninterest income to average assets | 0.3233% | 5,925 |
| Noninterest expense to average assets | 3.5577% | 2,167 |
| Loan and lease loss provision to assets | 0.2155% | 4,887 |
| Net operating income to assets | 0.4310% | 4,374 |
| Return on assets (ROA) | 0.4310% | 4,487 |
| Pretax return on assets | 0.6178% | 4,276 |
| Return on Equity (ROE) | 4.6632% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.6632% | 2,705 |
| Net charge-offs to loans | -0.3067% | 8,072 |
| Credit loss provision to net charge-offs | -86.9565% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0102% | 3,872 |
| Assets per employee ($millions) | 3.7500% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,907 |
| Loan loss allowance to noncurrent loans | 375.3247% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 7,045 |
| Noncurrent loans to loans | 0.2316% | 6,930 |
| Net loans and leases to total assets | 82.3949% | 884 |
| Net loans and leases to deposits | 95.0793% | 1,941 |
| Net loans and leases to core deposits | 114.5397% | 2,851 |
| Total domestic deposits to total assets | 86.6591% | 2,425 |
| Equity capital to assets | 9.0417% | 5,254 |
| Core capital (leverage) ratio | 6.8788% | 7,611 |
| Tier 1 risk-based capital ratio | 9.9304% | 7,005 |
| Total risk-based capital ratio | 11.0063% | 7,118 |
| Memoranda: | ||
| Average total assets | $111,365,000 | 4,844 |
| Average earning assets | $101,201,330 | 4,868 |
| Average equity | $10,293,330 | 5,280 |
| Average total loans | $90,001,000 | 4,279 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6870% | 3,871 |
| Cost of funding earning assets | 1.4845% | 6,452 |
| Net interest margin | 4.2025% | 1,891 |
| Noninterest income to average assets | 0.2915% | 6,107 |
| Noninterest expense to average assets | 3.4153% | 2,308 |
| Loan and lease loss provision to assets | 0.2242% | 4,212 |
| Net operating income to assets | 0.4409% | 4,690 |
| Return on assets (ROA) | 0.4409% | 4,862 |
| Pretax return on assets | 0.4708% | 5,172 |
| Return on Equity (ROE) | 4.7129% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.7129% | 3,292 |
| Net charge-offs to loans | -0.7001% | 8,137 |
| Credit loss provision to net charge-offs | -40.2685% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1818% | 3,459 |
| Assets per employee ($millions) | 3.7318% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 6,673 |
| Loan loss allowance to noncurrent loans | 400.4902% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 7,004 |
| Noncurrent loans to loans | 0.2286% | 6,881 |
| Net loans and leases to total assets | 76.4205% | 2,181 |
| Net loans and leases to deposits | 88.1733% | 3,261 |
| Net loans and leases to core deposits | 102.3502% | 4,304 |
| Total domestic deposits to total assets | 86.6707% | 2,373 |
| Equity capital to assets | 8.9484% | 5,416 |
| Core capital (leverage) ratio | 6.8123% | 7,762 |
| Tier 1 risk-based capital ratio | 10.2096% | 6,707 |
| Total risk-based capital ratio | 11.3345% | 6,740 |
| Memoranda: | ||
| Average total assets | $107,048,000 | 4,981 |
| Average earning assets | $97,275,000 | 4,996 |
| Average equity | $10,015,000 | 5,382 |
| Average total loans | $85,131,500 | 4,453 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2056% | 4,488 |
| Cost of funding earning assets | 2.1874% | 5,656 |
| Net interest margin | 4.0182% | 3,033 |
| Noninterest income to average assets | 0.3822% | 5,622 |
| Noninterest expense to average assets | 3.7126% | 1,934 |
| Loan and lease loss provision to assets | 0.7383% | 2,009 |
| Net operating income to assets | -0.2421% | 6,670 |
| Return on assets (ROA) | -0.2159% | 6,482 |
| Pretax return on assets | -0.4492% | 6,604 |
| Return on Equity (ROE) | -1.8708% | 6,486 |
| Retained earnings to average equity (ytd only) | -1.8708% | 5,835 |
| Net charge-offs to loans | 0.2706% | 3,598 |
| Credit loss provision to net charge-offs | 367.2840% | 1,201 |
| Earnings coverage of net charge-offs (x) | 1.2346% | 5,511 |
| Efficiency ratio | 81.6103% | 2,358 |
| Assets per employee ($millions) | 3.2804% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 7,283 |
| Loan loss allowance to noncurrent loans | 280.1843% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 6,689 |
| Noncurrent loans to loans | 0.2678% | 6,576 |
| Net loans and leases to total assets | 81.7297% | 1,279 |
| Net loans and leases to deposits | 97.0007% | 2,289 |
| Net loans and leases to core deposits | 112.9126% | 3,458 |
| Total domestic deposits to total assets | 84.2568% | 3,199 |
| Equity capital to assets | 9.8343% | 4,246 |
| Core capital (leverage) ratio | 7.1493% | 7,570 |
| Tier 1 risk-based capital ratio | 10.0012% | 6,736 |
| Total risk-based capital ratio | 10.9195% | 7,015 |
| Memoranda: | ||
| Average total assets | $80,591,000 | 5,683 |
| Average earning assets | $71,773,400 | 5,748 |
| Average equity | $9,300,600 | 5,633 |
| Average total loans | $59,865,800 | 5,273 |