Home > American Community Bank & Trust > Performance and Condition Ratios
American Community Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 2,021 |
| Cost of funding earning assets | 1.9114% | 2,175 |
| Net interest margin | 3.6251% | 2,026 |
| Noninterest income to average assets | 0.5200% | 1,653 |
| Noninterest expense to average assets | 2.0624% | 3,427 |
| Loan and lease loss provision to assets | 0.2100% | 551 |
| Net operating income to assets | 1.2562% | 1,579 |
| Return on assets (ROA) | 1.2562% | 1,578 |
| Pretax return on assets | 1.7013% | 1,109 |
| Return on Equity (ROE) | 11.6100% | 1,851 |
| Retained earnings to average equity (ytd only) | 11.6116% | 856 |
| Net charge-offs to loans | 0.0808% | 936 |
| Credit loss provision to net charge-offs | 361.3139% | 640 |
| Earnings coverage of net charge-offs (x) | 34.9927% | 1,157 |
| Efficiency ratio | 51.9109% | 3,764 |
| Assets per employee ($millions) | 11.7908% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,117 |
| Loan loss allowance to noncurrent loans | 665.5340% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 2,914 |
| Noncurrent loans to loans | 0.1823% | 2,843 |
| Net loans and leases to total assets | 64.5600% | 2,441 |
| Net loans and leases to deposits | 75.4689% | 2,449 |
| Net loans and leases to core deposits | 81.7978% | 2,583 |
| Total domestic deposits to total assets | 85.5400% | 2,460 |
| Equity capital to assets | 10.6815% | 1,830 |
| Core capital (leverage) ratio | 11.0351% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,003,674,000 | 1,010 |
| Average earning assets | $956,778,000 | 987 |
| Average equity | $108,581,000 | 975 |
| Average total loans | $677,931,000 | 1,057 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7610% | 1,648 |
| Cost of funding earning assets | 2.5332% | 1,094 |
| Net interest margin | 3.2278% | 2,670 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 1.9542% | 3,694 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.1458% | 1,626 |
| Return on assets (ROA) | 1.1459% | 1,636 |
| Pretax return on assets | 1.5049% | 1,269 |
| Return on Equity (ROE) | 11.5100% | 1,740 |
| Retained earnings to average equity (ytd only) | 4.7319% | 2,344 |
| Net charge-offs to loans | 0.1985% | 705 |
| Credit loss provision to net charge-offs | 115.3846% | 1,714 |
| Earnings coverage of net charge-offs (x) | 12.5672% | 2,154 |
| Efficiency ratio | 55.6208% | 3,595 |
| Assets per employee ($millions) | 10.6566% | 634 |
| Cash dividends to net income (ytd only)* | 58.8928% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,370 |
| Loan loss allowance to noncurrent loans | 636.5696% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 2,829 |
| Noncurrent loans to loans | 0.1824% | 2,777 |
| Net loans and leases to total assets | 69.0800% | 2,009 |
| Net loans and leases to deposits | 81.2407% | 2,017 |
| Net loans and leases to core deposits | 89.2469% | 2,157 |
| Total domestic deposits to total assets | 85.0300% | 2,529 |
| Equity capital to assets | 10.9647% | 1,600 |
| Core capital (leverage) ratio | 10.1133% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,037,299,600 | 977 |
| Average earning assets | $987,106,400 | 951 |
| Average equity | $103,257,000 | 987 |
| Average total loans | $648,460,600 | 1,070 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 1,830 |
| Cost of funding earning assets | 2.5663% | 1,044 |
| Net interest margin | 3.0695% | 2,960 |
| Noninterest income to average assets | 0.4200% | 2,310 |
| Noninterest expense to average assets | 1.8411% | 3,861 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.1451% | 1,642 |
| Return on assets (ROA) | 1.1451% | 1,648 |
| Pretax return on assets | 1.4977% | 1,308 |
| Return on Equity (ROE) | 11.7800% | 1,676 |
| Retained earnings to average equity (ytd only) | 5.2740% | 2,362 |
| Net charge-offs to loans | 0.2676% | 471 |
| Credit loss provision to net charge-offs | 98.4460% | 1,694 |
| Earnings coverage of net charge-offs (x) | 9.2323% | 2,173 |
| Efficiency ratio | 55.0588% | 3,630 |
| Assets per employee ($millions) | 12.4771% | 381 |
| Cash dividends to net income (ytd only)* | 55.2242% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 2,517 |
| Loan loss allowance to noncurrent loans | 587.5576% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,907 |
| Noncurrent loans to loans | 0.1946% | 2,765 |
| Net loans and leases to total assets | 59.5600% | 2,959 |
| Net loans and leases to deposits | 73.4168% | 2,718 |
| Net loans and leases to core deposits | 80.0000% | 2,806 |
| Total domestic deposits to total assets | 81.1300% | 3,277 |
| Equity capital to assets | 9.5164% | 2,652 |
| Core capital (leverage) ratio | 10.1831% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,054,185,750 | 960 |
| Average earning assets | $1,002,572,500 | 936 |
| Average equity | $102,488,500 | 984 |
| Average total loans | $641,130,250 | 1,077 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6260% | 1,723 |
| Cost of funding earning assets | 2.6259% | 887 |
| Net interest margin | 3.0000% | 3,057 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.8609% | 3,830 |
| Loan and lease loss provision to assets | -0.0900% | 4,395 |
| Net operating income to assets | 1.1477% | 1,606 |
| Return on assets (ROA) | 1.1477% | 1,602 |
| Pretax return on assets | 1.5037% | 1,274 |
| Return on Equity (ROE) | 11.7200% | 1,693 |
| Retained earnings to average equity (ytd only) | 9.7450% | 938 |
| Net charge-offs to loans | 0.3346% | 341 |
| Credit loss provision to net charge-offs | 78.9972% | 1,656 |
| Earnings coverage of net charge-offs (x) | 6.9063% | 2,133 |
| Efficiency ratio | 56.8915% | 3,500 |
| Assets per employee ($millions) | 11.5907% | 466 |
| Cash dividends to net income (ytd only)* | 16.8294% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 2,581 |
| Loan loss allowance to noncurrent loans | 479.8969% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 2,675 |
| Noncurrent loans to loans | 0.2365% | 2,535 |
| Net loans and leases to total assets | 61.5200% | 2,812 |
| Net loans and leases to deposits | 76.1937% | 2,525 |
| Net loans and leases to core deposits | 82.6097% | 2,637 |
| Total domestic deposits to total assets | 80.7400% | 3,322 |
| Equity capital to assets | 9.9016% | 2,132 |
| Core capital (leverage) ratio | 10.2771% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,035,426,667 | 975 |
| Average earning assets | $983,190,667 | 942 |
| Average equity | $101,426,000 | 991 |
| Average total loans | $631,810,333 | 1,095 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 1,610 |
| Cost of funding earning assets | 2.6753% | 739 |
| Net interest margin | 2.9383% | 3,114 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 1.8191% | 3,924 |
| Loan and lease loss provision to assets | -0.2800% | 4,541 |
| Net operating income to assets | 1.2463% | 1,335 |
| Return on assets (ROA) | 1.2463% | 1,346 |
| Pretax return on assets | 1.6464% | 1,025 |
| Return on Equity (ROE) | 12.7900% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.7942% | 630 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.0503% | 3,513 |
| Assets per employee ($millions) | 12.6356% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 1,905 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 55.6200% | 3,225 |
| Net loans and leases to deposits | 69.7922% | 2,907 |
| Net loans and leases to core deposits | 74.7801% | 3,062 |
| Total domestic deposits to total assets | 79.7000% | 3,566 |
| Equity capital to assets | 9.2584% | 2,498 |
| Core capital (leverage) ratio | 9.9890% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,025,762,500 | 986 |
| Average earning assets | $973,500,000 | 958 |
| Average equity | $99,920,000 | 999 |
| Average total loans | $619,564,500 | 1,106 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 2,063 |
| Cost of funding earning assets | 2.0918% | 792 |
| Net interest margin | 2.9111% | 3,457 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.7856% | 4,022 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | 0.8014% | 2,870 |
| Return on assets (ROA) | 0.8014% | 2,850 |
| Pretax return on assets | 1.0740% | 2,486 |
| Return on Equity (ROE) | 8.2100% | 2,969 |
| Retained earnings to average equity (ytd only) | 6.0511% | 2,221 |
| Net charge-offs to loans | -0.0046% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.5629% | 3,438 |
| Assets per employee ($millions) | 10.8208% | 557 |
| Cash dividends to net income (ytd only)* | 26.2605% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,078 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.2800% | 2,436 |
| Net loans and leases to deposits | 75.6504% | 2,487 |
| Net loans and leases to core deposits | 81.3993% | 2,627 |
| Total domestic deposits to total assets | 84.9700% | 2,322 |
| Equity capital to assets | 10.2983% | 1,842 |
| Core capital (leverage) ratio | 10.0124% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $950,389,000 | 1,028 |
| Average earning assets | $900,250,800 | 1,000 |
| Average equity | $92,809,600 | 1,004 |
| Average total loans | $592,044,200 | 1,100 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7570% | 2,359 |
| Cost of funding earning assets | 1.8618% | 913 |
| Net interest margin | 2.8952% | 3,555 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.7841% | 4,009 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 0.7378% | 3,209 |
| Return on assets (ROA) | 0.7378% | 3,199 |
| Pretax return on assets | 0.9898% | 2,886 |
| Return on Equity (ROE) | 7.6500% | 3,276 |
| Retained earnings to average equity (ytd only) | 4.7360% | 3,029 |
| Net charge-offs to loans | -0.0057% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.6412% | 3,345 |
| Assets per employee ($millions) | 11.7327% | 406 |
| Cash dividends to net income (ytd only)* | 38.0952% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,109 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.7200% | 2,969 |
| Net loans and leases to deposits | 72.3779% | 2,688 |
| Net loans and leases to core deposits | 76.6736% | 2,821 |
| Total domestic deposits to total assets | 81.1300% | 3,361 |
| Equity capital to assets | 9.1240% | 2,347 |
| Core capital (leverage) ratio | 10.1241% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $948,745,000 | 1,036 |
| Average earning assets | $899,762,750 | 1,003 |
| Average equity | $91,496,250 | 1,013 |
| Average total loans | $585,106,500 | 1,104 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 2,505 |
| Cost of funding earning assets | 1.5781% | 1,115 |
| Net interest margin | 2.9813% | 3,479 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.8184% | 3,963 |
| Loan and lease loss provision to assets | 0.5300% | 136 |
| Net operating income to assets | 0.6516% | 3,454 |
| Return on assets (ROA) | 0.6516% | 3,458 |
| Pretax return on assets | 0.8805% | 3,217 |
| Return on Equity (ROE) | 6.6300% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.6256% | 2,411 |
| Net charge-offs to loans | -0.0087% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.3199% | 3,376 |
| Assets per employee ($millions) | 11.6980% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,154 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.7100% | 2,703 |
| Net loans and leases to deposits | 73.3671% | 2,553 |
| Net loans and leases to core deposits | 77.7079% | 2,639 |
| Total domestic deposits to total assets | 82.7400% | 3,100 |
| Equity capital to assets | 9.6450% | 2,066 |
| Core capital (leverage) ratio | 11.1013% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $924,744,000 | 1,049 |
| Average earning assets | $876,518,667 | 1,022 |
| Average equity | $90,950,667 | 1,015 |
| Average total loans | $577,308,000 | 1,101 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 2,320 |
| Cost of funding earning assets | 1.2942% | 1,242 |
| Net interest margin | 3.2033% | 3,111 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.8244% | 3,987 |
| Loan and lease loss provision to assets | 0.9400% | 72 |
| Net operating income to assets | 0.5131% | 3,866 |
| Return on assets (ROA) | 0.5131% | 3,829 |
| Pretax return on assets | 0.6858% | 3,693 |
| Return on Equity (ROE) | 5.1600% | 3,863 |
| Retained earnings to average equity (ytd only) | 5.1638% | 2,982 |
| Net charge-offs to loans | -0.0175% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.8405% | 3,717 |
| Assets per employee ($millions) | 10.8296% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 1,167 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 3,773 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.1000% | 2,455 |
| Net loans and leases to deposits | 69.3407% | 2,668 |
| Net loans and leases to core deposits | 73.7061% | 2,698 |
| Total domestic deposits to total assets | 89.5600% | 1,313 |
| Equity capital to assets | 10.1756% | 1,731 |
| Core capital (leverage) ratio | 10.8564% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $907,499,000 | 1,090 |
| Average earning assets | $861,364,500 | 1,054 |
| Average equity | $90,167,000 | 1,031 |
| Average total loans | $570,348,000 | 1,125 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5709% | 2,882 |
| Cost of funding earning assets | 0.5532% | 1,094 |
| Net interest margin | 3.0177% | 3,407 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.7234% | 4,135 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1053% | 2,153 |
| Return on assets (ROA) | 1.0883% | 2,164 |
| Pretax return on assets | 1.4904% | 1,482 |
| Return on Equity (ROE) | 11.3300% | 2,375 |
| Retained earnings to average equity (ytd only) | 11.3340% | 821 |
| Net charge-offs to loans | -0.0099% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.2052% | 3,961 |
| Assets per employee ($millions) | 11.1725% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,458 |
| Loan loss allowance to noncurrent loans | 1,343.0464% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,143 |
| Noncurrent loans to loans | 0.1053% | 3,016 |
| Net loans and leases to total assets | 61.7500% | 2,467 |
| Net loans and leases to deposits | 68.6349% | 2,692 |
| Net loans and leases to core deposits | 73.1255% | 2,636 |
| Total domestic deposits to total assets | 89.9700% | 1,381 |
| Equity capital to assets | 9.7005% | 1,886 |
| Core capital (leverage) ratio | 10.5116% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $912,095,200 | 1,065 |
| Average earning assets | $868,515,400 | 1,031 |
| Average equity | $87,577,000 | 1,057 |
| Average total loans | $525,675,400 | 1,139 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3278% | 3,105 |
| Cost of funding earning assets | 0.3642% | 1,573 |
| Net interest margin | 2.9635% | 3,315 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.6742% | 4,195 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1174% | 2,012 |
| Return on assets (ROA) | 1.0946% | 2,091 |
| Pretax return on assets | 1.4949% | 1,426 |
| Return on Equity (ROE) | 11.4300% | 2,228 |
| Retained earnings to average equity (ytd only) | 11.4300% | 934 |
| Net charge-offs to loans | -0.0132% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.2958% | 4,060 |
| Assets per employee ($millions) | 11.5643% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,285 |
| Loan loss allowance to noncurrent loans | 2,981.6479% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 3,644 |
| Noncurrent loans to loans | 0.0504% | 3,514 |
| Net loans and leases to total assets | 55.7500% | 2,923 |
| Net loans and leases to deposits | 61.5242% | 3,067 |
| Net loans and leases to core deposits | 64.2852% | 3,089 |
| Total domestic deposits to total assets | 90.6200% | 1,397 |
| Equity capital to assets | 9.1727% | 2,104 |
| Core capital (leverage) ratio | 10.3902% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $911,083,750 | 1,075 |
| Average earning assets | $868,263,250 | 1,041 |
| Average equity | $87,253,750 | 1,074 |
| Average total loans | $513,638,500 | 1,153 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1567% | 3,169 |
| Cost of funding earning assets | 0.2330% | 2,467 |
| Net interest margin | 2.9237% | 3,107 |
| Noninterest income to average assets | 0.4532% | 2,424 |
| Noninterest expense to average assets | 1.6555% | 4,203 |
| Loan and lease loss provision to assets | 0.0665% | 1,418 |
| Net operating income to assets | 1.1148% | 1,724 |
| Return on assets (ROA) | 1.0803% | 1,833 |
| Pretax return on assets | 1.4758% | 1,234 |
| Return on Equity (ROE) | 11.1177% | 1,943 |
| Retained earnings to average equity (ytd only) | 11.1177% | 765 |
| Net charge-offs to loans | -0.0008% | 3,020 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0733% | 4,186 |
| Assets per employee ($millions) | 11.4211% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,341 |
| Loan loss allowance to noncurrent loans | 4,385.3107% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,813 |
| Noncurrent loans to loans | 0.0348% | 3,691 |
| Net loans and leases to total assets | 54.8364% | 2,879 |
| Net loans and leases to deposits | 60.7706% | 2,995 |
| Net loans and leases to core deposits | 63.4174% | 3,010 |
| Total domestic deposits to total assets | 90.2351% | 1,620 |
| Equity capital to assets | 9.5080% | 2,009 |
| Core capital (leverage) ratio | 10.3825% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $902,541,000 | 1,073 |
| Average earning assets | $860,765,667 | 1,052 |
| Average equity | $87,697,667 | 1,077 |
| Average total loans | $508,123,000 | 1,152 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9285% | 3,461 |
| Cost of funding earning assets | 0.1824% | 3,056 |
| Net interest margin | 2.7461% | 3,292 |
| Noninterest income to average assets | 0.4290% | 2,501 |
| Noninterest expense to average assets | 1.6331% | 4,245 |
| Loan and lease loss provision to assets | 0.0669% | 1,220 |
| Net operating income to assets | 0.9891% | 1,921 |
| Return on assets (ROA) | 0.9891% | 1,916 |
| Pretax return on assets | 1.3472% | 1,383 |
| Return on Equity (ROE) | 10.0692% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.0692% | 1,000 |
| Net charge-offs to loans | -0.0008% | 2,997 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5929% | 4,081 |
| Assets per employee ($millions) | 11.6097% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,456 |
| Loan loss allowance to noncurrent loans | 817.5081% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 3,081 |
| Noncurrent loans to loans | 0.1872% | 2,882 |
| Net loans and leases to total assets | 54.7712% | 2,660 |
| Net loans and leases to deposits | 61.2237% | 2,787 |
| Net loans and leases to core deposits | 64.6956% | 2,742 |
| Total domestic deposits to total assets | 89.4609% | 1,835 |
| Equity capital to assets | 9.7097% | 2,118 |
| Core capital (leverage) ratio | 10.2504% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $896,968,000 | 1,085 |
| Average earning assets | $855,180,000 | 1,064 |
| Average equity | $88,110,000 | 1,102 |
| Average total loans | $507,787,000 | 1,150 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3389% | 3,088 |
| Cost of funding earning assets | 0.2444% | 3,001 |
| Net interest margin | 3.0945% | 2,918 |
| Noninterest income to average assets | 0.5210% | 2,480 |
| Noninterest expense to average assets | 1.6287% | 4,387 |
| Loan and lease loss provision to assets | 0.1378% | 879 |
| Net operating income to assets | 1.2277% | 1,825 |
| Return on assets (ROA) | 1.2286% | 1,874 |
| Pretax return on assets | 1.7057% | 1,131 |
| Return on Equity (ROE) | 12.3186% | 1,707 |
| Retained earnings to average equity (ytd only) | 12.3186% | 496 |
| Net charge-offs to loans | 0.0242% | 1,761 |
| Credit loss provision to net charge-offs | 876.8657% | 575 |
| Earnings coverage of net charge-offs (x) | 117.2015% | 801 |
| Efficiency ratio | 46.9228% | 4,458 |
| Assets per employee ($millions) | 12.3286% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,768 |
| Loan loss allowance to noncurrent loans | 797.0085% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 3,204 |
| Noncurrent loans to loans | 0.1806% | 3,041 |
| Net loans and leases to total assets | 56.7648% | 2,507 |
| Net loans and leases to deposits | 63.5895% | 2,724 |
| Net loans and leases to core deposits | 67.7611% | 2,673 |
| Total domestic deposits to total assets | 89.2676% | 1,371 |
| Equity capital to assets | 9.9357% | 2,717 |
| Core capital (leverage) ratio | 9.9921% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $852,434,400 | 1,086 |
| Average earning assets | $812,674,800 | 1,071 |
| Average equity | $85,017,600 | 1,149 |
| Average total loans | $554,804,800 | 1,081 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 3,048 |
| Cost of funding earning assets | 0.2576% | 3,037 |
| Net interest margin | 3.1618% | 2,853 |
| Noninterest income to average assets | 0.5799% | 2,300 |
| Noninterest expense to average assets | 1.5905% | 4,476 |
| Loan and lease loss provision to assets | 0.1547% | 715 |
| Net operating income to assets | 1.3275% | 1,740 |
| Return on assets (ROA) | 1.3288% | 1,794 |
| Pretax return on assets | 1.8519% | 1,044 |
| Return on Equity (ROE) | 13.3096% | 1,613 |
| Retained earnings to average equity (ytd only) | 13.3096% | 592 |
| Net charge-offs to loans | 0.0336% | 1,403 |
| Credit loss provision to net charge-offs | 686.6197% | 650 |
| Earnings coverage of net charge-offs (x) | 89.0141% | 930 |
| Efficiency ratio | 44.2361% | 4,577 |
| Assets per employee ($millions) | 12.4841% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 2,015 |
| Loan loss allowance to noncurrent loans | 679.1199% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 3,125 |
| Noncurrent loans to loans | 0.2061% | 3,128 |
| Net loans and leases to total assets | 59.3138% | 2,339 |
| Net loans and leases to deposits | 66.6717% | 2,571 |
| Net loans and leases to core deposits | 71.1943% | 2,499 |
| Total domestic deposits to total assets | 88.9639% | 1,297 |
| Equity capital to assets | 10.2394% | 2,670 |
| Core capital (leverage) ratio | 10.2594% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $840,546,250 | 1,113 |
| Average earning assets | $801,668,000 | 1,096 |
| Average equity | $83,917,000 | 1,179 |
| Average total loans | $563,922,000 | 1,088 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 2,741 |
| Cost of funding earning assets | 0.2714% | 3,073 |
| Net interest margin | 3.2900% | 2,472 |
| Noninterest income to average assets | 0.3630% | 3,285 |
| Noninterest expense to average assets | 1.5823% | 4,531 |
| Loan and lease loss provision to assets | 0.1799% | 635 |
| Net operating income to assets | 1.2414% | 2,050 |
| Return on assets (ROA) | 1.2433% | 2,108 |
| Pretax return on assets | 1.7440% | 1,374 |
| Return on Equity (ROE) | 12.5642% | 1,867 |
| Retained earnings to average equity (ytd only) | 12.5642% | 799 |
| Net charge-offs to loans | 0.0501% | 1,122 |
| Credit loss provision to net charge-offs | 517.2414% | 669 |
| Earnings coverage of net charge-offs (x) | 55.2345% | 1,014 |
| Efficiency ratio | 45.1589% | 4,560 |
| Assets per employee ($millions) | 11.8653% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,430 |
| Loan loss allowance to noncurrent loans | 2,174.6130% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 3,572 |
| Noncurrent loans to loans | 0.0598% | 3,883 |
| Net loans and leases to total assets | 62.3527% | 2,136 |
| Net loans and leases to deposits | 69.9003% | 2,419 |
| Net loans and leases to core deposits | 75.1337% | 2,317 |
| Total domestic deposits to total assets | 89.2023% | 1,182 |
| Equity capital to assets | 9.9628% | 2,884 |
| Core capital (leverage) ratio | 9.8957% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $833,594,333 | 1,115 |
| Average earning assets | $795,794,333 | 1,098 |
| Average equity | $82,488,667 | 1,193 |
| Average total loans | $579,168,333 | 1,067 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4814% | 2,978 |
| Cost of funding earning assets | 0.2881% | 3,118 |
| Net interest margin | 3.1932% | 2,723 |
| Noninterest income to average assets | 0.3498% | 3,346 |
| Noninterest expense to average assets | 1.5859% | 4,560 |
| Loan and lease loss provision to assets | 0.1822% | 677 |
| Net operating income to assets | 1.1848% | 2,210 |
| Return on assets (ROA) | 1.1856% | 2,279 |
| Pretax return on assets | 1.6360% | 1,632 |
| Return on Equity (ROE) | 12.0231% | 2,005 |
| Retained earnings to average equity (ytd only) | 12.0231% | 1,139 |
| Net charge-offs to loans | -0.0020% | 3,137 |
| Credit loss provision to net charge-offs | -12,500.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6019% | 4,432 |
| Assets per employee ($millions) | 12.1115% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,461 |
| Loan loss allowance to noncurrent loans | 865.8599% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 3,517 |
| Noncurrent loans to loans | 0.1265% | 3,676 |
| Net loans and leases to total assets | 71.3792% | 1,107 |
| Net loans and leases to deposits | 79.5899% | 1,561 |
| Net loans and leases to core deposits | 85.5403% | 1,551 |
| Total domestic deposits to total assets | 89.6838% | 979 |
| Equity capital to assets | 9.5585% | 3,140 |
| Core capital (leverage) ratio | 9.8351% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $823,240,500 | 1,118 |
| Average earning assets | $787,161,500 | 1,095 |
| Average equity | $81,177,000 | 1,195 |
| Average total loans | $598,900,500 | 1,035 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 3,574 |
| Cost of funding earning assets | 0.4567% | 3,245 |
| Net interest margin | 3.2440% | 3,231 |
| Noninterest income to average assets | 0.3408% | 3,422 |
| Noninterest expense to average assets | 1.8148% | 4,445 |
| Loan and lease loss provision to assets | 0.2266% | 1,725 |
| Net operating income to assets | 1.0147% | 2,242 |
| Return on assets (ROA) | 1.0413% | 2,281 |
| Pretax return on assets | 1.4179% | 1,599 |
| Return on Equity (ROE) | 9.4229% | 2,229 |
| Retained earnings to average equity (ytd only) | 3.6218% | 3,030 |
| Net charge-offs to loans | -0.0122% | 4,307 |
| Credit loss provision to net charge-offs | -2,572.5806% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9778% | 4,312 |
| Assets per employee ($millions) | 11.0784% | 389 |
| Cash dividends to net income (ytd only)* | 61.5637% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,405 |
| Loan loss allowance to noncurrent loans | 805.3952% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 3,443 |
| Noncurrent loans to loans | 0.1381% | 3,730 |
| Net loans and leases to total assets | 72.5667% | 1,218 |
| Net loans and leases to deposits | 81.7351% | 1,685 |
| Net loans and leases to core deposits | 88.4344% | 1,648 |
| Total domestic deposits to total assets | 88.7827% | 1,081 |
| Equity capital to assets | 10.1910% | 2,935 |
| Core capital (leverage) ratio | 10.0551% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $703,861,800 | 1,176 |
| Average earning assets | $669,331,000 | 1,154 |
| Average equity | $77,778,400 | 1,178 |
| Average total loans | $508,976,400 | 1,122 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 3,982 |
| Cost of funding earning assets | 0.4990% | 3,232 |
| Net interest margin | 3.1146% | 3,706 |
| Noninterest income to average assets | 0.3696% | 3,239 |
| Noninterest expense to average assets | 1.8259% | 4,448 |
| Loan and lease loss provision to assets | 0.1942% | 2,034 |
| Net operating income to assets | 0.9575% | 2,497 |
| Return on assets (ROA) | 0.9938% | 2,494 |
| Pretax return on assets | 1.3540% | 1,868 |
| Return on Equity (ROE) | 8.7962% | 2,478 |
| Retained earnings to average equity (ytd only) | 1.0019% | 4,259 |
| Net charge-offs to loans | -0.0057% | 4,082 |
| Credit loss provision to net charge-offs | -4,738.0952% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8610% | 4,058 |
| Assets per employee ($millions) | 12.8857% | 267 |
| Cash dividends to net income (ytd only)* | 88.6096% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 3,857 |
| Loan loss allowance to noncurrent loans | 1,500.7792% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 3,484 |
| Noncurrent loans to loans | 0.0638% | 4,111 |
| Net loans and leases to total assets | 76.0321% | 1,090 |
| Net loans and leases to deposits | 87.1832% | 1,570 |
| Net loans and leases to core deposits | 94.8949% | 1,551 |
| Total domestic deposits to total assets | 87.2096% | 1,572 |
| Equity capital to assets | 9.8968% | 3,336 |
| Core capital (leverage) ratio | 10.1156% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $683,186,000 | 1,184 |
| Average earning assets | $648,979,500 | 1,159 |
| Average equity | $77,183,250 | 1,183 |
| Average total loans | $491,919,750 | 1,146 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7121% | 4,060 |
| Cost of funding earning assets | 0.5472% | 3,255 |
| Net interest margin | 3.1648% | 3,754 |
| Noninterest income to average assets | 0.3930% | 3,127 |
| Noninterest expense to average assets | 1.9091% | 4,401 |
| Loan and lease loss provision to assets | 0.1526% | 2,479 |
| Net operating income to assets | 0.9753% | 2,410 |
| Return on assets (ROA) | 1.0316% | 2,346 |
| Pretax return on assets | 1.4042% | 1,718 |
| Return on Equity (ROE) | 8.6957% | 2,495 |
| Retained earnings to average equity (ytd only) | -3.0267% | 4,658 |
| Net charge-offs to loans | -0.0062% | 4,075 |
| Credit loss provision to net charge-offs | -3,535.7143% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2375% | 3,910 |
| Assets per employee ($millions) | 12.3894% | 292 |
| Cash dividends to net income (ytd only)* | 134.8073% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 4,061 |
| Loan loss allowance to noncurrent loans | 1,348.0818% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 3,503 |
| Noncurrent loans to loans | 0.0656% | 4,213 |
| Net loans and leases to total assets | 76.8563% | 1,012 |
| Net loans and leases to deposits | 86.1016% | 1,754 |
| Net loans and leases to core deposits | 93.6636% | 1,774 |
| Total domestic deposits to total assets | 89.2623% | 656 |
| Equity capital to assets | 9.9010% | 3,284 |
| Core capital (leverage) ratio | 10.0809% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $648,906,333 | 1,214 |
| Average earning assets | $615,450,667 | 1,198 |
| Average equity | $76,980,667 | 1,177 |
| Average total loans | $454,756,667 | 1,202 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 3,911 |
| Cost of funding earning assets | 0.6616% | 3,107 |
| Net interest margin | 3.2935% | 3,606 |
| Noninterest income to average assets | 0.4738% | 2,685 |
| Noninterest expense to average assets | 2.1036% | 4,209 |
| Loan and lease loss provision to assets | 0.1324% | 2,072 |
| Net operating income to assets | 0.9850% | 2,228 |
| Return on assets (ROA) | 1.0440% | 2,123 |
| Pretax return on assets | 1.4214% | 1,502 |
| Return on Equity (ROE) | 7.9438% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.8778% | 1,925 |
| Net charge-offs to loans | -0.0052% | 3,881 |
| Credit loss provision to net charge-offs | -3,900.0000% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7154% | 3,912 |
| Assets per employee ($millions) | 9.7788% | 411 |
| Cash dividends to net income (ytd only)* | 26.0078% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,215 |
| Loan loss allowance to noncurrent loans | 1,253.2828% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 3,340 |
| Noncurrent loans to loans | 0.1025% | 4,098 |
| Net loans and leases to total assets | 64.9959% | 2,946 |
| Net loans and leases to deposits | 75.3049% | 3,140 |
| Net loans and leases to core deposits | 84.6466% | 2,789 |
| Total domestic deposits to total assets | 86.3103% | 1,869 |
| Equity capital to assets | 13.3127% | 1,300 |
| Core capital (leverage) ratio | 13.2719% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $589,287,500 | 1,276 |
| Average earning assets | $556,241,500 | 1,255 |
| Average equity | $77,444,000 | 1,170 |
| Average total loans | $384,316,000 | 1,343 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 3,919 |
| Cost of funding earning assets | 0.9084% | 2,158 |
| Net interest margin | 3.2449% | 4,093 |
| Noninterest income to average assets | 0.2766% | 4,024 |
| Noninterest expense to average assets | 2.3785% | 3,739 |
| Loan and lease loss provision to assets | 0.0528% | 2,975 |
| Net operating income to assets | 0.6673% | 3,964 |
| Return on assets (ROA) | 0.6673% | 4,038 |
| Pretax return on assets | 0.8891% | 3,772 |
| Return on Equity (ROE) | 5.0137% | 4,197 |
| Retained earnings to average equity (ytd only) | 2.3665% | 3,840 |
| Net charge-offs to loans | -0.0104% | 4,479 |
| Credit loss provision to net charge-offs | -769.2308% | 4,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6324% | 1,922 |
| Assets per employee ($millions) | 10.3833% | 332 |
| Cash dividends to net income (ytd only)* | 52.7983% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,193 |
| Loan loss allowance to noncurrent loans | 1,123.1132% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 3,308 |
| Noncurrent loans to loans | 0.1109% | 4,085 |
| Net loans and leases to total assets | 63.7931% | 3,226 |
| Net loans and leases to deposits | 73.7728% | 3,376 |
| Net loans and leases to core deposits | 83.8048% | 2,971 |
| Total domestic deposits to total assets | 86.4724% | 1,856 |
| Equity capital to assets | 12.9727% | 1,543 |
| Core capital (leverage) ratio | 13.0169% | 1,228 |
| Tier 1 risk-based capital ratio | 17.2389% | 1,985 |
| Total risk-based capital ratio | 18.3128% | 1,974 |
| Memoranda: | ||
| Average total assets | $567,672,000 | 1,275 |
| Average earning assets | $532,498,800 | 1,267 |
| Average equity | $75,553,200 | 1,143 |
| Average total loans | $374,435,400 | 1,344 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,927 |
| Cost of funding earning assets | 0.9555% | 1,968 |
| Net interest margin | 3.2406% | 4,208 |
| Noninterest income to average assets | 0.2322% | 4,349 |
| Noninterest expense to average assets | 2.3583% | 3,802 |
| Loan and lease loss provision to assets | 0.0534% | 2,842 |
| Net operating income to assets | 0.6415% | 4,179 |
| Return on assets (ROA) | 0.6415% | 4,230 |
| Pretax return on assets | 0.8549% | 3,991 |
| Return on Equity (ROE) | 4.7877% | 4,387 |
| Retained earnings to average equity (ytd only) | 1.2439% | 4,505 |
| Net charge-offs to loans | -0.0140% | 4,474 |
| Credit loss provision to net charge-offs | -576.9231% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1948% | 1,804 |
| Assets per employee ($millions) | 9.5221% | 405 |
| Cash dividends to net income (ytd only)* | 74.0192% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,295 |
| Loan loss allowance to noncurrent loans | 1,023.3624% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,291 |
| Noncurrent loans to loans | 0.1210% | 4,109 |
| Net loans and leases to total assets | 64.3511% | 3,252 |
| Net loans and leases to deposits | 74.4107% | 3,441 |
| Net loans and leases to core deposits | 85.0628% | 2,987 |
| Total domestic deposits to total assets | 86.4810% | 1,779 |
| Equity capital to assets | 13.0265% | 1,609 |
| Core capital (leverage) ratio | 12.8842% | 1,388 |
| Tier 1 risk-based capital ratio | 17.6624% | 1,907 |
| Total risk-based capital ratio | 18.7610% | 1,910 |
| Memoranda: | ||
| Average total assets | $561,627,750 | 1,295 |
| Average earning assets | $525,901,500 | 1,282 |
| Average equity | $75,246,750 | 1,141 |
| Average total loans | $372,464,000 | 1,358 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 4,006 |
| Cost of funding earning assets | 0.9209% | 2,048 |
| Net interest margin | 3.2441% | 4,255 |
| Noninterest income to average assets | 0.4679% | 2,858 |
| Noninterest expense to average assets | 2.3284% | 3,935 |
| Loan and lease loss provision to assets | 0.0540% | 2,737 |
| Net operating income to assets | 0.8382% | 3,511 |
| Return on assets (ROA) | 0.8382% | 3,571 |
| Pretax return on assets | 1.1282% | 3,148 |
| Return on Equity (ROE) | 6.1964% | 3,980 |
| Retained earnings to average equity (ytd only) | 0.8707% | 4,470 |
| Net charge-offs to loans | -0.0054% | 4,146 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3246% | 2,774 |
| Assets per employee ($millions) | 9.8751% | 343 |
| Cash dividends to net income (ytd only)* | 85.9476% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,430 |
| Loan loss allowance to noncurrent loans | 1,080.8962% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 2,459 |
| Noncurrent loans to loans | 0.1126% | 4,169 |
| Net loans and leases to total assets | 64.9272% | 3,248 |
| Net loans and leases to deposits | 75.1408% | 3,414 |
| Net loans and leases to core deposits | 82.2213% | 3,252 |
| Total domestic deposits to total assets | 86.4075% | 1,853 |
| Equity capital to assets | 13.1444% | 1,518 |
| Core capital (leverage) ratio | 13.6843% | 1,056 |
| Tier 1 risk-based capital ratio | 17.7739% | 1,862 |
| Total risk-based capital ratio | 18.8604% | 1,860 |
| Memoranda: | ||
| Average total assets | $555,221,000 | 1,303 |
| Average earning assets | $520,766,670 | 1,288 |
| Average equity | $75,107,670 | 1,138 |
| Average total loans | $370,462,330 | 1,369 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 3,889 |
| Cost of funding earning assets | 0.9009% | 1,996 |
| Net interest margin | 3.2932% | 4,176 |
| Noninterest income to average assets | 0.4685% | 2,742 |
| Noninterest expense to average assets | 2.3138% | 3,981 |
| Loan and lease loss provision to assets | 0.0549% | 2,571 |
| Net operating income to assets | 0.8850% | 3,290 |
| Return on assets (ROA) | 0.8850% | 3,348 |
| Pretax return on assets | 1.1902% | 2,843 |
| Return on Equity (ROE) | 6.4464% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.4464% | 2,264 |
| Net charge-offs to loans | -0.0054% | 4,048 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0144% | 3,083 |
| Assets per employee ($millions) | 9.5862% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 2,401 |
| Loan loss allowance to noncurrent loans | 3,545.6693% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 2,509 |
| Noncurrent loans to loans | 0.0348% | 4,614 |
| Net loans and leases to total assets | 65.9054% | 3,068 |
| Net loans and leases to deposits | 76.8319% | 3,182 |
| Net loans and leases to core deposits | 80.4119% | 3,325 |
| Total domestic deposits to total assets | 85.7787% | 2,373 |
| Equity capital to assets | 13.8661% | 1,087 |
| Core capital (leverage) ratio | 13.9393% | 972 |
| Tier 1 risk-based capital ratio | 18.6153% | 1,629 |
| Total risk-based capital ratio | 19.7204% | 1,617 |
| Memoranda: | ||
| Average total assets | $546,454,000 | 1,321 |
| Average earning assets | $512,818,000 | 1,308 |
| Average equity | $75,019,000 | 1,136 |
| Average total loans | $367,465,000 | 1,382 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 4,336 |
| Cost of funding earning assets | 0.6597% | 2,324 |
| Net interest margin | 3.2117% | 4,463 |
| Noninterest income to average assets | 0.3770% | 3,572 |
| Noninterest expense to average assets | 2.1172% | 4,521 |
| Loan and lease loss provision to assets | -0.0227% | 5,138 |
| Net operating income to assets | 0.9577% | 3,189 |
| Return on assets (ROA) | 0.9577% | 3,188 |
| Pretax return on assets | 1.3123% | 2,452 |
| Return on Equity (ROE) | 7.3169% | 3,722 |
| Retained earnings to average equity (ytd only) | 5.9267% | 2,231 |
| Net charge-offs to loans | 0.0977% | 1,788 |
| Credit loss provision to net charge-offs | -35.8166% | 4,311 |
| Earnings coverage of net charge-offs (x) | 20.3066% | 2,009 |
| Efficiency ratio | 62.1461% | 3,493 |
| Assets per employee ($millions) | 9.7589% | 365 |
| Cash dividends to net income (ytd only)* | 19.0006% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,601 |
| Loan loss allowance to noncurrent loans | 3,402.3077% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 2,464 |
| Noncurrent loans to loans | 0.0351% | 4,615 |
| Net loans and leases to total assets | 66.9518% | 3,010 |
| Net loans and leases to deposits | 77.7838% | 3,191 |
| Net loans and leases to core deposits | 80.8285% | 3,363 |
| Total domestic deposits to total assets | 86.0742% | 2,189 |
| Equity capital to assets | 13.5906% | 1,111 |
| Core capital (leverage) ratio | 13.4160% | 1,100 |
| Tier 1 risk-based capital ratio | 18.1916% | 1,700 |
| Total risk-based capital ratio | 19.2696% | 1,708 |
| Memoranda: | ||
| Average total assets | $549,555,400 | 1,292 |
| Average earning assets | $518,409,000 | 1,269 |
| Average equity | $71,929,200 | 1,135 |
| Average total loans | $357,134,800 | 1,377 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 4,527 |
| Cost of funding earning assets | 0.5969% | 2,492 |
| Net interest margin | 3.1643% | 4,586 |
| Noninterest income to average assets | 0.4446% | 3,208 |
| Noninterest expense to average assets | 2.0703% | 4,606 |
| Loan and lease loss provision to assets | -0.0303% | 5,261 |
| Net operating income to assets | 1.0294% | 2,968 |
| Return on assets (ROA) | 1.0294% | 2,979 |
| Pretax return on assets | 1.3907% | 2,266 |
| Return on Equity (ROE) | 7.9407% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.0719% | 2,622 |
| Net charge-offs to loans | 0.0011% | 3,459 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,829 |
| Earnings coverage of net charge-offs (x) | 1,871.6200% | 34 |
| Efficiency ratio | 60.3460% | 3,761 |
| Assets per employee ($millions) | 9.4358% | 386 |
| Cash dividends to net income (ytd only)* | 23.5350% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,006 |
| Loan loss allowance to noncurrent loans | 815.2137% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 2,444 |
| Noncurrent loans to loans | 0.1618% | 4,157 |
| Net loans and leases to total assets | 64.0944% | 3,412 |
| Net loans and leases to deposits | 73.9811% | 3,594 |
| Net loans and leases to core deposits | 81.2114% | 3,388 |
| Total domestic deposits to total assets | 86.6362% | 1,904 |
| Equity capital to assets | 13.0831% | 1,296 |
| Core capital (leverage) ratio | 13.3994% | 1,144 |
| Tier 1 risk-based capital ratio | 18.2058% | 1,742 |
| Total risk-based capital ratio | 19.3846% | 1,710 |
| Memoranda: | ||
| Average total assets | $550,320,250 | 1,290 |
| Average earning assets | $519,320,000 | 1,271 |
| Average equity | $71,343,500 | 1,143 |
| Average total loans | $353,840,500 | 1,390 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6724% | 4,645 |
| Cost of funding earning assets | 0.5416% | 2,679 |
| Net interest margin | 3.1308% | 4,661 |
| Noninterest income to average assets | 0.4783% | 2,985 |
| Noninterest expense to average assets | 2.1044% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9843% | 3,090 |
| Return on assets (ROA) | 0.9843% | 3,095 |
| Pretax return on assets | 1.3287% | 2,400 |
| Return on Equity (ROE) | 7.6165% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.7935% | 3,188 |
| Net charge-offs to loans | 0.0051% | 2,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 404.6667% | 229 |
| Efficiency ratio | 61.2965% | 3,726 |
| Assets per employee ($millions) | 9.1557% | 419 |
| Cash dividends to net income (ytd only)* | 37.0645% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,877 |
| Loan loss allowance to noncurrent loans | 1,532.2884% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 2,517 |
| Noncurrent loans to loans | 0.0891% | 4,516 |
| Net loans and leases to total assets | 65.3848% | 3,229 |
| Net loans and leases to deposits | 75.5906% | 3,380 |
| Net loans and leases to core deposits | 80.5409% | 3,369 |
| Total domestic deposits to total assets | 86.4986% | 2,056 |
| Equity capital to assets | 13.2174% | 1,219 |
| Core capital (leverage) ratio | 13.3231% | 1,127 |
| Tier 1 risk-based capital ratio | 18.0077% | 1,794 |
| Total risk-based capital ratio | 19.2291% | 1,774 |
| Memoranda: | ||
| Average total assets | $548,189,670 | 1,296 |
| Average earning assets | $517,375,670 | 1,279 |
| Average equity | $70,846,330 | 1,148 |
| Average total loans | $351,257,330 | 1,397 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 4,776 |
| Cost of funding earning assets | 0.4706% | 3,032 |
| Net interest margin | 3.0906% | 4,719 |
| Noninterest income to average assets | 0.4455% | 3,142 |
| Noninterest expense to average assets | 2.1000% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9352% | 3,130 |
| Return on assets (ROA) | 0.9352% | 3,148 |
| Pretax return on assets | 1.2619% | 2,505 |
| Return on Equity (ROE) | 7.3176% | 3,658 |
| Retained earnings to average equity (ytd only) | 7.3176% | 2,139 |
| Net charge-offs to loans | -0.0069% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4650% | 3,707 |
| Assets per employee ($millions) | 9.5933% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,807 |
| Loan loss allowance to noncurrent loans | 631.0167% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 2,292 |
| Noncurrent loans to loans | 0.2232% | 3,983 |
| Net loans and leases to total assets | 62.7616% | 3,450 |
| Net loans and leases to deposits | 72.3735% | 3,572 |
| Net loans and leases to core deposits | 77.2444% | 3,554 |
| Total domestic deposits to total assets | 86.7190% | 2,234 |
| Equity capital to assets | 12.9982% | 1,245 |
| Core capital (leverage) ratio | 13.2369% | 1,097 |
| Tier 1 risk-based capital ratio | 18.6574% | 1,646 |
| Total risk-based capital ratio | 19.9077% | 1,603 |
| Memoranda: | ||
| Average total assets | $552,190,500 | 1,295 |
| Average earning assets | $521,060,000 | 1,283 |
| Average equity | $70,570,000 | 1,164 |
| Average total loans | $347,841,500 | 1,409 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 4,880 |
| Cost of funding earning assets | 0.3636% | 3,579 |
| Net interest margin | 3.0754% | 4,736 |
| Noninterest income to average assets | 0.2488% | 4,646 |
| Noninterest expense to average assets | 2.0270% | 4,918 |
| Loan and lease loss provision to assets | -0.1468% | 5,532 |
| Net operating income to assets | 0.7049% | 3,581 |
| Return on assets (ROA) | 0.7049% | 3,634 |
| Pretax return on assets | 1.2597% | 2,509 |
| Return on Equity (ROE) | 5.4384% | 3,990 |
| Retained earnings to average equity (ytd only) | 0.2010% | 4,938 |
| Net charge-offs to loans | 0.0818% | 2,289 |
| Credit loss provision to net charge-offs | -294.1176% | 4,865 |
| Earnings coverage of net charge-offs (x) | 22.3015% | 1,857 |
| Efficiency ratio | 64.5553% | 3,521 |
| Assets per employee ($millions) | 10.1375% | 305 |
| Cash dividends to net income (ytd only)* | 96.3040% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,732 |
| Loan loss allowance to noncurrent loans | 768.7598% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 2,492 |
| Noncurrent loans to loans | 0.1833% | 4,185 |
| Net loans and leases to total assets | 61.4623% | 3,684 |
| Net loans and leases to deposits | 70.5299% | 3,832 |
| Net loans and leases to core deposits | 75.3604% | 3,792 |
| Total domestic deposits to total assets | 87.1436% | 1,921 |
| Equity capital to assets | 12.5660% | 1,478 |
| Core capital (leverage) ratio | 12.7211% | 1,257 |
| Tier 1 risk-based capital ratio | 18.3192% | 1,709 |
| Total risk-based capital ratio | 19.5694% | 1,660 |
| Memoranda: | ||
| Average total assets | $545,034,000 | 1,291 |
| Average earning assets | $512,395,200 | 1,273 |
| Average equity | $70,645,600 | 1,126 |
| Average total loans | $332,562,600 | 1,438 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4139% | 4,946 |
| Cost of funding earning assets | 0.3461% | 3,712 |
| Net interest margin | 3.0678% | 4,780 |
| Noninterest income to average assets | 0.2724% | 4,555 |
| Noninterest expense to average assets | 2.0298% | 4,890 |
| Loan and lease loss provision to assets | -0.1968% | 5,652 |
| Net operating income to assets | 0.8223% | 3,427 |
| Return on assets (ROA) | 0.8223% | 3,463 |
| Pretax return on assets | 1.3225% | 2,387 |
| Return on Equity (ROE) | 6.2944% | 3,983 |
| Retained earnings to average equity (ytd only) | -0.6743% | 5,314 |
| Net charge-offs to loans | 0.0251% | 2,943 |
| Credit loss provision to net charge-offs | -1,290.3226% | 4,992 |
| Earnings coverage of net charge-offs (x) | 73.7945% | 862 |
| Efficiency ratio | 64.3275% | 3,483 |
| Assets per employee ($millions) | 9.5528% | 363 |
| Cash dividends to net income (ytd only)* | 110.7121% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 1,392 |
| Loan loss allowance to noncurrent loans | 1,081.9915% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 1,911 |
| Noncurrent loans to loans | 0.1424% | 4,487 |
| Net loans and leases to total assets | 59.9470% | 3,873 |
| Net loans and leases to deposits | 68.9975% | 4,037 |
| Net loans and leases to core deposits | 74.2754% | 3,951 |
| Total domestic deposits to total assets | 86.8829% | 1,913 |
| Equity capital to assets | 12.8350% | 1,476 |
| Core capital (leverage) ratio | 13.1123% | 1,165 |
| Tier 1 risk-based capital ratio | 18.8482% | 1,634 |
| Total risk-based capital ratio | 20.0997% | 1,586 |
| Memoranda: | ||
| Average total assets | $541,902,250 | 1,307 |
| Average earning assets | $509,273,000 | 1,291 |
| Average equity | $70,791,250 | 1,132 |
| Average total loans | $328,806,500 | 1,462 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3634% | 5,011 |
| Cost of funding earning assets | 0.3154% | 3,926 |
| Net interest margin | 3.0480% | 4,798 |
| Noninterest income to average assets | 0.3545% | 4,022 |
| Noninterest expense to average assets | 2.0479% | 4,884 |
| Loan and lease loss provision to assets | -0.1109% | 5,653 |
| Net operating income to assets | 0.8011% | 3,397 |
| Return on assets (ROA) | 0.8011% | 3,455 |
| Pretax return on assets | 1.2824% | 2,455 |
| Return on Equity (ROE) | 6.0963% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.1270% | 3,251 |
| Net charge-offs to loans | 0.0384% | 2,433 |
| Credit loss provision to net charge-offs | -476.1905% | 4,654 |
| Earnings coverage of net charge-offs (x) | 50.3016% | 1,068 |
| Efficiency ratio | 63.6124% | 3,739 |
| Assets per employee ($millions) | 9.0547% | 415 |
| Cash dividends to net income (ytd only)* | 32.3027% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 1,062 |
| Loan loss allowance to noncurrent loans | 1,185.2008% | 509 |
| Noncurrent assets plus other real estate owned to assets | 1.0357% | 1,694 |
| Noncurrent loans to loans | 0.1435% | 4,549 |
| Net loans and leases to total assets | 61.7170% | 3,662 |
| Net loans and leases to deposits | 71.7378% | 3,765 |
| Net loans and leases to core deposits | 77.2485% | 3,659 |
| Total domestic deposits to total assets | 86.0314% | 2,366 |
| Equity capital to assets | 13.6609% | 1,086 |
| Core capital (leverage) ratio | 13.5034% | 996 |
| Tier 1 risk-based capital ratio | 19.5496% | 1,466 |
| Total risk-based capital ratio | 20.8030% | 1,421 |
| Memoranda: | ||
| Average total assets | $541,032,670 | 1,319 |
| Average earning assets | $508,529,330 | 1,298 |
| Average equity | $71,092,330 | 1,124 |
| Average total loans | $327,900,330 | 1,464 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2617% | 5,163 |
| Cost of funding earning assets | 0.2889% | 4,155 |
| Net interest margin | 2.9728% | 4,949 |
| Noninterest income to average assets | 0.4569% | 3,276 |
| Noninterest expense to average assets | 2.0315% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7665% | 3,393 |
| Return on assets (ROA) | 0.7665% | 3,446 |
| Pretax return on assets | 1.2219% | 2,505 |
| Return on Equity (ROE) | 5.9463% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.9463% | 2,376 |
| Net charge-offs to loans | 0.0135% | 2,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 152.4545% | 358 |
| Efficiency ratio | 62.4412% | 4,086 |
| Assets per employee ($millions) | 9.2512% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 876 |
| Loan loss allowance to noncurrent loans | 1,262.2881% | 500 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 1,584 |
| Noncurrent loans to loans | 0.1463% | 4,600 |
| Net loans and leases to total assets | 58.0290% | 3,973 |
| Net loans and leases to deposits | 67.0503% | 4,083 |
| Net loans and leases to core deposits | 72.1671% | 3,972 |
| Total domestic deposits to total assets | 86.5454% | 2,422 |
| Equity capital to assets | 13.0662% | 1,228 |
| Core capital (leverage) ratio | 13.1350% | 1,091 |
| Tier 1 risk-based capital ratio | 19.7515% | 1,436 |
| Total risk-based capital ratio | 21.0063% | 1,406 |
| Memoranda: | ||
| Average total assets | $548,963,500 | 1,306 |
| Average earning assets | $516,411,500 | 1,278 |
| Average equity | $70,767,000 | 1,124 |
| Average total loans | $326,987,500 | 1,475 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 5,072 |
| Cost of funding earning assets | 0.2828% | 4,235 |
| Net interest margin | 3.0693% | 4,804 |
| Noninterest income to average assets | 0.4091% | 3,809 |
| Noninterest expense to average assets | 2.0945% | 5,011 |
| Loan and lease loss provision to assets | -0.0475% | 5,583 |
| Net operating income to assets | 0.7656% | 3,469 |
| Return on assets (ROA) | 0.7798% | 3,510 |
| Pretax return on assets | 1.2559% | 2,446 |
| Return on Equity (ROE) | 5.8613% | 4,049 |
| Retained earnings to average equity (ytd only) | 0.2839% | 5,207 |
| Net charge-offs to loans | 0.0923% | 2,387 |
| Credit loss provision to net charge-offs | -82.7815% | 4,869 |
| Earnings coverage of net charge-offs (x) | 20.6921% | 1,839 |
| Efficiency ratio | 63.8431% | 3,963 |
| Assets per employee ($millions) | 9.3577% | 382 |
| Cash dividends to net income (ytd only)* | 95.1558% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 943 |
| Loan loss allowance to noncurrent loans | 1,776.4881% | 369 |
| Noncurrent assets plus other real estate owned to assets | 1.2699% | 1,405 |
| Noncurrent loans to loans | 0.1014% | 4,829 |
| Net loans and leases to total assets | 58.9223% | 3,971 |
| Net loans and leases to deposits | 67.7290% | 4,103 |
| Net loans and leases to core deposits | 72.8663% | 4,024 |
| Total domestic deposits to total assets | 86.9972% | 2,147 |
| Equity capital to assets | 12.7179% | 1,390 |
| Core capital (leverage) ratio | 12.7866% | 1,217 |
| Tier 1 risk-based capital ratio | 19.2820% | 1,527 |
| Total risk-based capital ratio | 20.5366% | 1,485 |
| Memoranda: | ||
| Average total assets | $526,810,400 | 1,307 |
| Average earning assets | $492,873,800 | 1,288 |
| Average equity | $70,087,000 | 1,127 |
| Average total loans | $327,158,200 | 1,424 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 5,088 |
| Cost of funding earning assets | 0.2808% | 4,285 |
| Net interest margin | 3.0876% | 4,805 |
| Noninterest income to average assets | 0.5218% | 3,103 |
| Noninterest expense to average assets | 2.1241% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8003% | 3,366 |
| Return on assets (ROA) | 0.8195% | 3,418 |
| Pretax return on assets | 1.3121% | 2,378 |
| Return on Equity (ROE) | 6.0884% | 4,032 |
| Retained earnings to average equity (ytd only) | -1.3513% | 5,535 |
| Net charge-offs to loans | 0.1496% | 1,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.6748% | 2,294 |
| Efficiency ratio | 62.3599% | 4,167 |
| Assets per employee ($millions) | 8.8543% | 433 |
| Cash dividends to net income (ytd only)* | 122.1943% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 923 |
| Loan loss allowance to noncurrent loans | 780.1014% | 730 |
| Noncurrent assets plus other real estate owned to assets | 1.4108% | 1,316 |
| Noncurrent loans to loans | 0.2375% | 4,422 |
| Net loans and leases to total assets | 59.3825% | 3,959 |
| Net loans and leases to deposits | 69.1903% | 4,046 |
| Net loans and leases to core deposits | 74.8686% | 3,935 |
| Total domestic deposits to total assets | 85.8250% | 2,443 |
| Equity capital to assets | 12.7063% | 1,642 |
| Core capital (leverage) ratio | 13.0794% | 1,162 |
| Tier 1 risk-based capital ratio | 18.9652% | 1,677 |
| Total risk-based capital ratio | 20.2207% | 1,637 |
| Memoranda: | ||
| Average total assets | $520,486,750 | 1,322 |
| Average earning assets | $486,233,500 | 1,306 |
| Average equity | $70,054,750 | 1,130 |
| Average total loans | $326,127,250 | 1,427 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 5,082 |
| Cost of funding earning assets | 0.2778% | 4,375 |
| Net interest margin | 3.1218% | 4,772 |
| Noninterest income to average assets | 0.5170% | 3,085 |
| Noninterest expense to average assets | 2.1374% | 4,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8076% | 3,276 |
| Return on assets (ROA) | 0.8329% | 3,296 |
| Pretax return on assets | 1.3350% | 2,264 |
| Return on Equity (ROE) | 6.0665% | 4,018 |
| Retained earnings to average equity (ytd only) | -5.0773% | 5,747 |
| Net charge-offs to loans | 0.1722% | 1,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.8638% | 2,227 |
| Efficiency ratio | 62.2620% | 4,304 |
| Assets per employee ($millions) | 8.7649% | 427 |
| Cash dividends to net income (ytd only)* | 183.6936% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 846 |
| Loan loss allowance to noncurrent loans | 629.1331% | 874 |
| Noncurrent assets plus other real estate owned to assets | 1.6996% | 1,057 |
| Noncurrent loans to loans | 0.3074% | 4,266 |
| Net loans and leases to total assets | 60.1801% | 3,861 |
| Net loans and leases to deposits | 69.4684% | 4,034 |
| Net loans and leases to core deposits | 75.7132% | 3,844 |
| Total domestic deposits to total assets | 86.6295% | 2,094 |
| Equity capital to assets | 13.0842% | 1,453 |
| Core capital (leverage) ratio | 12.7906% | 1,238 |
| Tier 1 risk-based capital ratio | 19.3986% | 1,594 |
| Total risk-based capital ratio | 20.6548% | 1,553 |
| Memoranda: | ||
| Average total assets | $510,993,670 | 1,351 |
| Average earning assets | $477,283,000 | 1,336 |
| Average equity | $70,155,330 | 1,124 |
| Average total loans | $324,121,330 | 1,439 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 5,032 |
| Cost of funding earning assets | 0.2739% | 4,456 |
| Net interest margin | 3.1648% | 4,690 |
| Noninterest income to average assets | 0.4989% | 3,122 |
| Noninterest expense to average assets | 2.1337% | 5,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8217% | 3,144 |
| Return on assets (ROA) | 0.8730% | 3,001 |
| Pretax return on assets | 1.4005% | 1,904 |
| Return on Equity (ROE) | 6.2065% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.2065% | 2,273 |
| Net charge-offs to loans | 0.1059% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.3256% | 1,509 |
| Efficiency ratio | 61.7755% | 4,478 |
| Assets per employee ($millions) | 8.6942% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 832 |
| Loan loss allowance to noncurrent loans | 411.3811% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 1,016 |
| Noncurrent loans to loans | 0.4834% | 3,733 |
| Net loans and leases to total assets | 62.8821% | 3,401 |
| Net loans and leases to deposits | 73.6576% | 3,475 |
| Net loans and leases to core deposits | 81.4216% | 3,185 |
| Total domestic deposits to total assets | 85.3709% | 2,969 |
| Equity capital to assets | 14.1952% | 919 |
| Core capital (leverage) ratio | 14.2350% | 748 |
| Tier 1 risk-based capital ratio | 20.3452% | 1,431 |
| Total risk-based capital ratio | 21.6025% | 1,405 |
| Memoranda: | ||
| Average total assets | $503,543,000 | 1,376 |
| Average earning assets | $470,174,000 | 1,350 |
| Average equity | $70,828,500 | 1,114 |
| Average total loans | $324,819,500 | 1,425 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5516% | 4,803 |
| Cost of funding earning assets | 0.2757% | 4,526 |
| Net interest margin | 3.2759% | 4,388 |
| Noninterest income to average assets | 0.4372% | 3,766 |
| Noninterest expense to average assets | 2.1920% | 5,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8190% | 3,253 |
| Return on assets (ROA) | 0.8260% | 3,297 |
| Pretax return on assets | 1.2945% | 2,307 |
| Return on Equity (ROE) | 5.8656% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.8656% | 1,861 |
| Net charge-offs to loans | 0.2732% | 1,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.0328% | 3,128 |
| Efficiency ratio | 63.0689% | 4,430 |
| Assets per employee ($millions) | 9.4873% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 804 |
| Loan loss allowance to noncurrent loans | 389.4863% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 1.8213% | 1,042 |
| Noncurrent loans to loans | 0.5133% | 3,641 |
| Net loans and leases to total assets | 63.5599% | 3,340 |
| Net loans and leases to deposits | 74.1623% | 3,474 |
| Net loans and leases to core deposits | 82.3384% | 3,107 |
| Total domestic deposits to total assets | 85.7038% | 2,772 |
| Equity capital to assets | 13.9365% | 955 |
| Core capital (leverage) ratio | 14.0203% | 811 |
| Tier 1 risk-based capital ratio | 19.9812% | 1,489 |
| Total risk-based capital ratio | 21.2389% | 1,459 |
| Memoranda: | ||
| Average total assets | $484,893,000 | 1,389 |
| Average earning assets | $449,739,200 | 1,377 |
| Average equity | $68,279,600 | 1,117 |
| Average total loans | $323,986,400 | 1,377 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 4,788 |
| Cost of funding earning assets | 0.2748% | 4,615 |
| Net interest margin | 3.3086% | 4,306 |
| Noninterest income to average assets | 0.4915% | 3,428 |
| Noninterest expense to average assets | 2.2047% | 5,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8676% | 3,097 |
| Return on assets (ROA) | 0.8765% | 3,141 |
| Pretax return on assets | 1.3652% | 2,156 |
| Return on Equity (ROE) | 6.2075% | 4,052 |
| Retained earnings to average equity (ytd only) | 6.2075% | 2,113 |
| Net charge-offs to loans | 0.2708% | 987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.4109% | 2,917 |
| Efficiency ratio | 61.9995% | 4,569 |
| Assets per employee ($millions) | 8.2877% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0697% | 825 |
| Loan loss allowance to noncurrent loans | 396.9412% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 2.2060% | 864 |
| Noncurrent loans to loans | 0.5214% | 3,790 |
| Net loans and leases to total assets | 66.4249% | 2,943 |
| Net loans and leases to deposits | 77.9563% | 3,102 |
| Net loans and leases to core deposits | 87.1205% | 2,741 |
| Total domestic deposits to total assets | 85.2080% | 2,926 |
| Equity capital to assets | 14.4661% | 870 |
| Core capital (leverage) ratio | 14.3865% | 759 |
| Tier 1 risk-based capital ratio | 19.6376% | 1,640 |
| Total risk-based capital ratio | 20.8958% | 1,603 |
| Memoranda: | ||
| Average total assets | $480,410,000 | 1,410 |
| Average earning assets | $444,971,750 | 1,399 |
| Average equity | $67,830,500 | 1,131 |
| Average total loans | $323,454,250 | 1,386 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5589% | 4,839 |
| Cost of funding earning assets | 0.2708% | 4,709 |
| Net interest margin | 3.2882% | 4,344 |
| Noninterest income to average assets | 0.5105% | 3,301 |
| Noninterest expense to average assets | 2.1577% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9063% | 2,841 |
| Return on assets (ROA) | 0.9198% | 2,912 |
| Pretax return on assets | 1.4178% | 1,902 |
| Return on Equity (ROE) | 6.5683% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.5683% | 1,914 |
| Net charge-offs to loans | 0.0335% | 2,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 62.1296% | 826 |
| Efficiency ratio | 60.7005% | 4,880 |
| Assets per employee ($millions) | 8.2210% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2325% | 705 |
| Loan loss allowance to noncurrent loans | 288.5008% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 2.4367% | 788 |
| Noncurrent loans to loans | 0.7738% | 3,178 |
| Net loans and leases to total assets | 66.3700% | 2,889 |
| Net loans and leases to deposits | 77.5327% | 3,090 |
| Net loans and leases to core deposits | 87.5454% | 2,600 |
| Total domestic deposits to total assets | 85.6026% | 2,875 |
| Equity capital to assets | 14.1030% | 953 |
| Core capital (leverage) ratio | 14.4457% | 724 |
| Tier 1 risk-based capital ratio | 19.2478% | 1,731 |
| Total risk-based capital ratio | 20.5080% | 1,698 |
| Memoranda: | ||
| Average total assets | $480,318,670 | 1,419 |
| Average earning assets | $444,684,000 | 1,410 |
| Average equity | $67,262,000 | 1,141 |
| Average total loans | $322,591,670 | 1,392 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 4,883 |
| Cost of funding earning assets | 0.2692% | 4,797 |
| Net interest margin | 3.2615% | 4,375 |
| Noninterest income to average assets | 0.5532% | 2,933 |
| Noninterest expense to average assets | 2.1994% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8533% | 2,993 |
| Return on assets (ROA) | 0.8796% | 2,969 |
| Pretax return on assets | 1.4160% | 1,831 |
| Return on Equity (ROE) | 6.3037% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.3037% | 2,333 |
| Net charge-offs to loans | 0.0714% | 2,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 28.8246% | 1,177 |
| Efficiency ratio | 61.5313% | 4,874 |
| Assets per employee ($millions) | 9.3724% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2542% | 744 |
| Loan loss allowance to noncurrent loans | 282.1813% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 2.4944% | 863 |
| Noncurrent loans to loans | 0.7988% | 3,245 |
| Net loans and leases to total assets | 66.6596% | 2,659 |
| Net loans and leases to deposits | 77.9491% | 2,811 |
| Net loans and leases to core deposits | 88.5621% | 2,264 |
| Total domestic deposits to total assets | 85.5169% | 3,168 |
| Equity capital to assets | 14.0888% | 959 |
| Core capital (leverage) ratio | 13.9300% | 848 |
| Tier 1 risk-based capital ratio | 18.9019% | 1,898 |
| Total risk-based capital ratio | 20.1619% | 1,857 |
| Memoranda: | ||
| Average total assets | $477,958,000 | 1,433 |
| Average earning assets | $442,742,000 | 1,420 |
| Average equity | $66,690,500 | 1,150 |
| Average total loans | $319,251,500 | 1,405 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 4,894 |
| Cost of funding earning assets | 0.3484% | 4,268 |
| Net interest margin | 3.3159% | 4,523 |
| Noninterest income to average assets | 0.4659% | 3,744 |
| Noninterest expense to average assets | 2.1681% | 5,416 |
| Loan and lease loss provision to assets | 0.1625% | 1,617 |
| Net operating income to assets | 0.7379% | 3,695 |
| Return on assets (ROA) | 0.7375% | 3,801 |
| Pretax return on assets | 1.1949% | 2,673 |
| Return on Equity (ROE) | 5.3140% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.2731% | 4,621 |
| Net charge-offs to loans | 0.4817% | 862 |
| Credit loss provision to net charge-offs | 50.4918% | 3,470 |
| Earnings coverage of net charge-offs (x) | 4.2203% | 3,706 |
| Efficiency ratio | 61.4864% | 4,993 |
| Assets per employee ($millions) | 8.6895% | 400 |
| Cash dividends to net income (ytd only)* | 57.2246% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3694% | 647 |
| Loan loss allowance to noncurrent loans | 656.4716% | 866 |
| Noncurrent assets plus other real estate owned to assets | 2.0367% | 1,243 |
| Noncurrent loans to loans | 0.3609% | 4,573 |
| Net loans and leases to total assets | 63.8433% | 3,251 |
| Net loans and leases to deposits | 74.3890% | 3,385 |
| Net loans and leases to core deposits | 84.7957% | 2,804 |
| Total domestic deposits to total assets | 85.8235% | 2,932 |
| Equity capital to assets | 13.8176% | 1,023 |
| Core capital (leverage) ratio | 13.6705% | 913 |
| Tier 1 risk-based capital ratio | 19.8415% | 1,628 |
| Total risk-based capital ratio | 21.1035% | 1,598 |
| Memoranda: | ||
| Average total assets | $473,920,800 | 1,410 |
| Average earning assets | $437,379,800 | 1,402 |
| Average equity | $65,770,000 | 1,117 |
| Average total loans | $316,612,400 | 1,365 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 4,896 |
| Cost of funding earning assets | 0.3693% | 4,130 |
| Net interest margin | 3.3183% | 4,543 |
| Noninterest income to average assets | 0.4852% | 3,650 |
| Noninterest expense to average assets | 2.1269% | 5,517 |
| Loan and lease loss provision to assets | 0.2171% | 1,057 |
| Net operating income to assets | 0.7415% | 3,718 |
| Return on assets (ROA) | 0.7415% | 3,827 |
| Pretax return on assets | 1.1990% | 2,779 |
| Return on Equity (ROE) | 5.3370% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.3370% | 2,864 |
| Net charge-offs to loans | 0.4789% | 824 |
| Credit loss provision to net charge-offs | 67.4847% | 2,810 |
| Earnings coverage of net charge-offs (x) | 4.4023% | 3,469 |
| Efficiency ratio | 60.0302% | 5,175 |
| Assets per employee ($millions) | 8.5217% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4928% | 656 |
| Loan loss allowance to noncurrent loans | 412.7716% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 2.2476% | 1,221 |
| Noncurrent loans to loans | 0.6039% | 4,121 |
| Net loans and leases to total assets | 63.8451% | 3,195 |
| Net loans and leases to deposits | 74.5860% | 3,360 |
| Net loans and leases to core deposits | 86.4374% | 2,620 |
| Total domestic deposits to total assets | 85.5993% | 3,073 |
| Equity capital to assets | 14.0507% | 986 |
| Core capital (leverage) ratio | 14.3759% | 754 |
| Tier 1 risk-based capital ratio | 20.1234% | 1,644 |
| Total risk-based capital ratio | 21.3868% | 1,604 |
| Memoranda: | ||
| Average total assets | $472,919,750 | 1,424 |
| Average earning assets | $435,800,000 | 1,420 |
| Average equity | $65,703,000 | 1,125 |
| Average total loans | $317,633,500 | 1,377 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 4,825 |
| Cost of funding earning assets | 0.3885% | 4,012 |
| Net interest margin | 3.3217% | 4,502 |
| Noninterest income to average assets | 0.5298% | 3,265 |
| Noninterest expense to average assets | 2.1358% | 5,547 |
| Loan and lease loss provision to assets | 0.2800% | 726 |
| Net operating income to assets | 0.7317% | 3,667 |
| Return on assets (ROA) | 0.7317% | 3,761 |
| Pretax return on assets | 1.1750% | 2,782 |
| Return on Equity (ROE) | 5.2871% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.2871% | 2,773 |
| Net charge-offs to loans | 0.6450% | 604 |
| Credit loss provision to net charge-offs | 64.0777% | 2,577 |
| Earnings coverage of net charge-offs (x) | 3.3301% | 3,340 |
| Efficiency ratio | 59.4802% | 5,363 |
| Assets per employee ($millions) | 7.5541% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4599% | 752 |
| Loan loss allowance to noncurrent loans | 392.0483% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 2.3104% | 1,283 |
| Noncurrent loans to loans | 0.6275% | 4,143 |
| Net loans and leases to total assets | 65.9509% | 2,755 |
| Net loans and leases to deposits | 77.0865% | 2,916 |
| Net loans and leases to core deposits | 91.7245% | 1,953 |
| Total domestic deposits to total assets | 85.5544% | 3,267 |
| Equity capital to assets | 14.1416% | 916 |
| Core capital (leverage) ratio | 14.2834% | 759 |
| Tier 1 risk-based capital ratio | 19.9957% | 1,687 |
| Total risk-based capital ratio | 21.2591% | 1,652 |
| Memoranda: | ||
| Average total assets | $471,488,670 | 1,420 |
| Average earning assets | $434,480,000 | 1,420 |
| Average equity | $65,253,330 | 1,121 |
| Average total loans | $319,356,000 | 1,365 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7109% | 4,809 |
| Cost of funding earning assets | 0.4027% | 3,940 |
| Net interest margin | 3.3082% | 4,499 |
| Noninterest income to average assets | 0.5090% | 3,336 |
| Noninterest expense to average assets | 2.1545% | 5,571 |
| Loan and lease loss provision to assets | 0.2790% | 732 |
| Net operating income to assets | 0.7238% | 3,567 |
| Return on assets (ROA) | 0.7238% | 3,651 |
| Pretax return on assets | 1.1322% | 2,761 |
| Return on Equity (ROE) | 5.2869% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.2869% | 2,928 |
| Net charge-offs to loans | 0.1098% | 2,083 |
| Credit loss provision to net charge-offs | 375.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 18.9659% | 1,397 |
| Efficiency ratio | 60.4221% | 5,346 |
| Assets per employee ($millions) | 7.5345% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6136% | 704 |
| Loan loss allowance to noncurrent loans | 451.7204% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 1.8573% | 1,869 |
| Noncurrent loans to loans | 0.5786% | 4,427 |
| Net loans and leases to total assets | 67.0184% | 2,392 |
| Net loans and leases to deposits | 78.2473% | 2,516 |
| Net loans and leases to core deposits | 92.4833% | 1,686 |
| Total domestic deposits to total assets | 85.6495% | 3,533 |
| Equity capital to assets | 13.9620% | 932 |
| Core capital (leverage) ratio | 13.8477% | 869 |
| Tier 1 risk-based capital ratio | 19.6239% | 1,808 |
| Total risk-based capital ratio | 20.8897% | 1,775 |
| Memoranda: | ||
| Average total assets | $473,055,000 | 1,421 |
| Average earning assets | $437,090,000 | 1,412 |
| Average equity | $64,763,500 | 1,127 |
| Average total loans | $320,696,500 | 1,361 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 4,392 |
| Cost of funding earning assets | 0.5958% | 2,705 |
| Net interest margin | 3.3233% | 4,580 |
| Noninterest income to average assets | 0.3885% | 4,530 |
| Noninterest expense to average assets | 2.0769% | 5,877 |
| Loan and lease loss provision to assets | 0.4321% | 679 |
| Net operating income to assets | 0.5698% | 4,412 |
| Return on assets (ROA) | 0.5698% | 4,519 |
| Pretax return on assets | 0.9340% | 3,624 |
| Return on Equity (ROE) | 4.3755% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.5933% | 3,665 |
| Net charge-offs to loans | 0.3663% | 1,851 |
| Credit loss provision to net charge-offs | 173.2673% | 1,321 |
| Earnings coverage of net charge-offs (x) | 5.4777% | 3,292 |
| Efficiency ratio | 60.3215% | 5,426 |
| Assets per employee ($millions) | 7.6027% | 573 |
| Cash dividends to net income (ytd only)* | 17.8765% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5506% | 778 |
| Loan loss allowance to noncurrent loans | 529.1829% | 923 |
| Noncurrent assets plus other real estate owned to assets | 1.9815% | 1,812 |
| Noncurrent loans to loans | 0.4820% | 4,790 |
| Net loans and leases to total assets | 65.0900% | 2,846 |
| Net loans and leases to deposits | 75.4103% | 3,044 |
| Net loans and leases to core deposits | 91.4250% | 1,855 |
| Total domestic deposits to total assets | 86.3144% | 3,108 |
| Equity capital to assets | 13.4257% | 1,100 |
| Core capital (leverage) ratio | 13.3840% | 995 |
| Tier 1 risk-based capital ratio | 19.4225% | 1,814 |
| Total risk-based capital ratio | 20.6874% | 1,768 |
| Memoranda: | ||
| Average total assets | $485,968,200 | 1,366 |
| Average earning assets | $446,660,200 | 1,358 |
| Average equity | $63,284,000 | 1,131 |
| Average total loans | $330,844,400 | 1,287 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 4,250 |
| Cost of funding earning assets | 0.6367% | 2,487 |
| Net interest margin | 3.3309% | 4,530 |
| Noninterest income to average assets | 0.4574% | 4,103 |
| Noninterest expense to average assets | 2.0809% | 5,870 |
| Loan and lease loss provision to assets | 0.4921% | 563 |
| Net operating income to assets | 0.5735% | 4,453 |
| Return on assets (ROA) | 0.5735% | 4,596 |
| Pretax return on assets | 0.9407% | 3,721 |
| Return on Equity (ROE) | 4.4381% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.3910% | 4,274 |
| Net charge-offs to loans | 0.4784% | 1,341 |
| Credit loss provision to net charge-offs | 150.3759% | 1,562 |
| Earnings coverage of net charge-offs (x) | 4.3784% | 3,455 |
| Efficiency ratio | 59.2235% | 5,533 |
| Assets per employee ($millions) | 7.8349% | 497 |
| Cash dividends to net income (ytd only)* | 23.5938% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4001% | 1,051 |
| Loan loss allowance to noncurrent loans | 445.1668% | 977 |
| Noncurrent assets plus other real estate owned to assets | 2.5146% | 1,529 |
| Noncurrent loans to loans | 0.5391% | 4,844 |
| Net loans and leases to total assets | 67.0052% | 2,458 |
| Net loans and leases to deposits | 77.5712% | 2,728 |
| Net loans and leases to core deposits | 95.4413% | 1,438 |
| Total domestic deposits to total assets | 86.3790% | 3,039 |
| Equity capital to assets | 13.3237% | 1,192 |
| Core capital (leverage) ratio | 13.1157% | 1,158 |
| Tier 1 risk-based capital ratio | 18.6814% | 2,085 |
| Total risk-based capital ratio | 19.9446% | 2,050 |
| Memoranda: | ||
| Average total assets | $487,717,500 | 1,367 |
| Average earning assets | $447,515,000 | 1,368 |
| Average equity | $63,028,750 | 1,154 |
| Average total loans | $333,575,000 | 1,278 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 4,239 |
| Cost of funding earning assets | 0.6746% | 2,268 |
| Net interest margin | 3.2921% | 4,615 |
| Noninterest income to average assets | 0.4228% | 4,358 |
| Noninterest expense to average assets | 2.0758% | 5,919 |
| Loan and lease loss provision to assets | 0.4888% | 571 |
| Net operating income to assets | 0.5369% | 4,629 |
| Return on assets (ROA) | 0.5369% | 4,797 |
| Pretax return on assets | 0.8799% | 3,983 |
| Return on Equity (ROE) | 4.1966% | 5,137 |
| Retained earnings to average equity (ytd only) | 4.1966% | 3,621 |
| Net charge-offs to loans | 0.3304% | 1,867 |
| Credit loss provision to net charge-offs | 216.6065% | 1,121 |
| Earnings coverage of net charge-offs (x) | 6.0650% | 2,778 |
| Efficiency ratio | 60.2649% | 5,448 |
| Assets per employee ($millions) | 8.0342% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3454% | 1,178 |
| Loan loss allowance to noncurrent loans | 442.3464% | 973 |
| Noncurrent assets plus other real estate owned to assets | 2.7341% | 1,516 |
| Noncurrent loans to loans | 0.5302% | 4,939 |
| Net loans and leases to total assets | 68.3908% | 2,171 |
| Net loans and leases to deposits | 78.9834% | 2,460 |
| Net loans and leases to core deposits | 98.2503% | 1,189 |
| Total domestic deposits to total assets | 86.5888% | 3,066 |
| Equity capital to assets | 13.1255% | 1,298 |
| Core capital (leverage) ratio | 13.0995% | 1,129 |
| Tier 1 risk-based capital ratio | 17.8804% | 2,362 |
| Total risk-based capital ratio | 19.1424% | 2,323 |
| Memoranda: | ||
| Average total assets | $490,980,000 | 1,361 |
| Average earning assets | $450,652,330 | 1,352 |
| Average equity | $62,812,330 | 1,162 |
| Average total loans | $335,395,670 | 1,270 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 4,265 |
| Cost of funding earning assets | 0.7440% | 1,894 |
| Net interest margin | 3.2163% | 4,866 |
| Noninterest income to average assets | 0.3778% | 4,641 |
| Noninterest expense to average assets | 2.0152% | 6,073 |
| Loan and lease loss provision to assets | 0.4844% | 556 |
| Net operating income to assets | 0.5070% | 4,620 |
| Return on assets (ROA) | 0.5070% | 4,766 |
| Pretax return on assets | 0.8308% | 4,039 |
| Return on Equity (ROE) | 4.0139% | 5,081 |
| Retained earnings to average equity (ytd only) | 4.0139% | 3,822 |
| Net charge-offs to loans | 0.0263% | 3,664 |
| Credit loss provision to net charge-offs | 2,727.2727% | 115 |
| Earnings coverage of net charge-offs (x) | 74.0455% | 500 |
| Efficiency ratio | 60.5091% | 5,516 |
| Assets per employee ($millions) | 8.0376% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3700% | 1,297 |
| Loan loss allowance to noncurrent loans | 214.7155% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 3.2642% | 1,333 |
| Noncurrent loans to loans | 1.1038% | 3,938 |
| Net loans and leases to total assets | 65.9553% | 2,375 |
| Net loans and leases to deposits | 75.9358% | 2,647 |
| Net loans and leases to core deposits | 97.8655% | 1,086 |
| Total domestic deposits to total assets | 86.8566% | 3,043 |
| Equity capital to assets | 12.8264% | 1,515 |
| Core capital (leverage) ratio | 12.6011% | 1,297 |
| Tier 1 risk-based capital ratio | 18.4885% | 2,199 |
| Total risk-based capital ratio | 19.7515% | 2,159 |
| Memoranda: | ||
| Average total assets | $495,443,500 | 1,364 |
| Average earning assets | $454,812,000 | 1,351 |
| Average equity | $62,582,500 | 1,181 |
| Average total loans | $334,294,500 | 1,275 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 4,790 |
| Cost of funding earning assets | 1.0080% | 1,318 |
| Net interest margin | 3.1352% | 5,732 |
| Noninterest income to average assets | 0.3483% | 4,979 |
| Noninterest expense to average assets | 2.0401% | 6,257 |
| Loan and lease loss provision to assets | 0.5876% | 944 |
| Net operating income to assets | 0.3751% | 5,200 |
| Return on assets (ROA) | 0.3751% | 5,430 |
| Pretax return on assets | 0.6054% | 4,979 |
| Return on Equity (ROE) | 3.0451% | 5,538 |
| Retained earnings to average equity (ytd only) | -1.1449% | 6,038 |
| Net charge-offs to loans | 0.9046% | 1,255 |
| Credit loss provision to net charge-offs | 96.0317% | 3,230 |
| Earnings coverage of net charge-offs (x) | 1.9498% | 4,445 |
| Efficiency ratio | 63.1000% | 5,059 |
| Assets per employee ($millions) | 8.2065% | 461 |
| Cash dividends to net income (ytd only)* | 137.5971% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1555% | 1,639 |
| Loan loss allowance to noncurrent loans | 186.9889% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 3.3109% | 1,387 |
| Noncurrent loans to loans | 1.1528% | 3,922 |
| Net loans and leases to total assets | 65.9403% | 2,535 |
| Net loans and leases to deposits | 76.4424% | 2,727 |
| Net loans and leases to core deposits | 100.9178% | 966 |
| Total domestic deposits to total assets | 86.2613% | 3,226 |
| Equity capital to assets | 12.4408% | 1,754 |
| Core capital (leverage) ratio | 12.2006% | 1,450 |
| Tier 1 risk-based capital ratio | 18.0187% | 2,254 |
| Total risk-based capital ratio | 19.2792% | 2,227 |
| Memoranda: | ||
| Average total assets | $514,838,200 | 1,297 |
| Average earning assets | $473,721,800 | 1,287 |
| Average equity | $63,413,000 | 1,117 |
| Average total loans | $348,211,800 | 1,207 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 4,963 |
| Cost of funding earning assets | 1.0401% | 1,342 |
| Net interest margin | 3.1161% | 5,902 |
| Noninterest income to average assets | 0.3400% | 5,086 |
| Noninterest expense to average assets | 1.9480% | 6,448 |
| Loan and lease loss provision to assets | 0.6366% | 833 |
| Net operating income to assets | 0.3879% | 5,303 |
| Return on assets (ROA) | 0.3879% | 5,514 |
| Pretax return on assets | 0.6258% | 5,089 |
| Return on Equity (ROE) | 3.1566% | 5,624 |
| Retained earnings to average equity (ytd only) | 3.1566% | 4,656 |
| Net charge-offs to loans | 1.0874% | 949 |
| Credit loss provision to net charge-offs | 86.4780% | 3,415 |
| Earnings coverage of net charge-offs (x) | 1.7149% | 4,413 |
| Efficiency ratio | 60.6794% | 5,382 |
| Assets per employee ($millions) | 8.2613% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0782% | 1,958 |
| Loan loss allowance to noncurrent loans | 160.7061% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 3.5211% | 1,419 |
| Noncurrent loans to loans | 1.2931% | 3,880 |
| Net loans and leases to total assets | 65.5451% | 2,730 |
| Net loans and leases to deposits | 76.2978% | 2,938 |
| Net loans and leases to core deposits | 105.0929% | 798 |
| Total domestic deposits to total assets | 85.9070% | 3,303 |
| Equity capital to assets | 12.7913% | 1,713 |
| Core capital (leverage) ratio | 12.6636% | 1,338 |
| Tier 1 risk-based capital ratio | 18.7312% | 2,095 |
| Total risk-based capital ratio | 19.9911% | 2,061 |
| Memoranda: | ||
| Average total assets | $518,399,250 | 1,308 |
| Average earning assets | $477,510,750 | 1,294 |
| Average equity | $63,696,750 | 1,124 |
| Average total loans | $350,923,500 | 1,196 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 5,088 |
| Cost of funding earning assets | 1.0597% | 1,414 |
| Net interest margin | 3.0989% | 6,011 |
| Noninterest income to average assets | 0.3341% | 5,156 |
| Noninterest expense to average assets | 1.9346% | 6,541 |
| Loan and lease loss provision to assets | 0.6307% | 927 |
| Net operating income to assets | 0.3903% | 5,245 |
| Return on assets (ROA) | 0.3903% | 5,487 |
| Pretax return on assets | 0.6292% | 5,032 |
| Return on Equity (ROE) | 3.2187% | 5,598 |
| Retained earnings to average equity (ytd only) | 3.2187% | 4,470 |
| Net charge-offs to loans | 0.8474% | 1,306 |
| Credit loss provision to net charge-offs | 109.5618% | 2,487 |
| Earnings coverage of net charge-offs (x) | 2.1886% | 3,891 |
| Efficiency ratio | 60.5600% | 5,490 |
| Assets per employee ($millions) | 8.8417% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1608% | 1,862 |
| Loan loss allowance to noncurrent loans | 115.3411% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 3.6044% | 1,458 |
| Noncurrent loans to loans | 1.8734% | 3,111 |
| Net loans and leases to total assets | 66.5837% | 2,551 |
| Net loans and leases to deposits | 77.2461% | 2,795 |
| Net loans and leases to core deposits | 109.1026% | 611 |
| Total domestic deposits to total assets | 86.1969% | 3,250 |
| Equity capital to assets | 12.4705% | 1,838 |
| Core capital (leverage) ratio | 12.4351% | 1,380 |
| Tier 1 risk-based capital ratio | 18.2655% | 2,207 |
| Total risk-based capital ratio | 19.5268% | 2,172 |
| Memoranda: | ||
| Average total assets | $523,220,000 | 1,295 |
| Average earning assets | $482,945,000 | 1,281 |
| Average equity | $63,442,330 | 1,122 |
| Average total loans | $355,459,330 | 1,173 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 5,162 |
| Cost of funding earning assets | 1.0991% | 1,411 |
| Net interest margin | 3.0857% | 6,091 |
| Noninterest income to average assets | 0.3285% | 5,235 |
| Noninterest expense to average assets | 1.9507% | 6,552 |
| Loan and lease loss provision to assets | 0.6245% | 894 |
| Net operating income to assets | 0.3747% | 5,369 |
| Return on assets (ROA) | 0.3747% | 5,549 |
| Pretax return on assets | 0.6033% | 5,107 |
| Return on Equity (ROE) | 3.1335% | 5,667 |
| Retained earnings to average equity (ytd only) | 3.1335% | 4,687 |
| Net charge-offs to loans | 0.8029% | 1,279 |
| Credit loss provision to net charge-offs | 114.5833% | 2,063 |
| Earnings coverage of net charge-offs (x) | 2.2528% | 3,265 |
| Efficiency ratio | 61.3718% | 5,389 |
| Assets per employee ($millions) | 8.4471% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 2,014 |
| Loan loss allowance to noncurrent loans | 131.2456% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 3.4751% | 1,655 |
| Noncurrent loans to loans | 1.6270% | 3,669 |
| Net loans and leases to total assets | 66.7243% | 2,344 |
| Net loans and leases to deposits | 77.3499% | 2,620 |
| Net loans and leases to core deposits | 110.7000% | 511 |
| Total domestic deposits to total assets | 86.2630% | 3,379 |
| Equity capital to assets | 12.3081% | 1,844 |
| Core capital (leverage) ratio | 11.9243% | 1,630 |
| Tier 1 risk-based capital ratio | 17.9116% | 2,331 |
| Total risk-based capital ratio | 19.1722% | 2,293 |
| Memoranda: | ||
| Average total assets | $528,420,500 | 1,283 |
| Average earning assets | $488,056,500 | 1,267 |
| Average equity | $63,188,000 | 1,117 |
| Average total loans | $358,691,500 | 1,171 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 5,693 |
| Cost of funding earning assets | 1.3736% | 1,152 |
| Net interest margin | 2.9480% | 6,610 |
| Noninterest income to average assets | 0.3064% | 5,350 |
| Noninterest expense to average assets | 1.8507% | 6,898 |
| Loan and lease loss provision to assets | 0.7282% | 1,397 |
| Net operating income to assets | 0.2814% | 5,321 |
| Return on assets (ROA) | 0.3225% | 5,331 |
| Pretax return on assets | 0.5150% | 4,947 |
| Return on Equity (ROE) | 2.8791% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.8791% | 4,203 |
| Net charge-offs to loans | 1.1632% | 1,457 |
| Credit loss provision to net charge-offs | 92.3007% | 3,907 |
| Earnings coverage of net charge-offs (x) | 1.4944% | 4,650 |
| Efficiency ratio | 61.0863% | 5,591 |
| Assets per employee ($millions) | 8.7350% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 2,210 |
| Loan loss allowance to noncurrent loans | 121.4415% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 3.3617% | 1,763 |
| Noncurrent loans to loans | 1.6639% | 3,670 |
| Net loans and leases to total assets | 66.2284% | 2,740 |
| Net loans and leases to deposits | 76.8731% | 3,026 |
| Net loans and leases to core deposits | 116.7248% | 430 |
| Total domestic deposits to total assets | 86.1529% | 3,228 |
| Equity capital to assets | 11.6247% | 2,407 |
| Core capital (leverage) ratio | 11.5878% | 1,827 |
| Tier 1 risk-based capital ratio | 17.0324% | 2,584 |
| Total risk-based capital ratio | 18.2918% | 2,533 |
| Memoranda: | ||
| Average total assets | $554,806,600 | 1,190 |
| Average earning assets | $512,519,800 | 1,175 |
| Average equity | $62,137,400 | 1,084 |
| Average total loans | $376,291,200 | 1,128 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 5,730 |
| Cost of funding earning assets | 1.4261% | 1,125 |
| Net interest margin | 2.9363% | 6,696 |
| Noninterest income to average assets | 0.3094% | 5,388 |
| Noninterest expense to average assets | 1.8476% | 6,926 |
| Loan and lease loss provision to assets | 0.6880% | 1,406 |
| Net operating income to assets | 0.3015% | 5,388 |
| Return on assets (ROA) | 0.3560% | 5,367 |
| Pretax return on assets | 0.5705% | 4,907 |
| Return on Equity (ROE) | 3.2077% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.2077% | 4,426 |
| Net charge-offs to loans | 1.0681% | 1,489 |
| Credit loss provision to net charge-offs | 94.8929% | 3,610 |
| Earnings coverage of net charge-offs (x) | 1.6184% | 4,431 |
| Efficiency ratio | 61.1577% | 5,538 |
| Assets per employee ($millions) | 8.6973% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1057% | 2,050 |
| Loan loss allowance to noncurrent loans | 126.0436% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 3.9248% | 1,569 |
| Noncurrent loans to loans | 1.6706% | 3,798 |
| Net loans and leases to total assets | 65.3431% | 3,045 |
| Net loans and leases to deposits | 76.0290% | 3,328 |
| Net loans and leases to core deposits | 119.1937% | 413 |
| Total domestic deposits to total assets | 85.9449% | 3,248 |
| Equity capital to assets | 11.6219% | 2,567 |
| Core capital (leverage) ratio | 11.3610% | 2,124 |
| Tier 1 risk-based capital ratio | 16.8799% | 2,682 |
| Total risk-based capital ratio | 18.1398% | 2,653 |
| Memoranda: | ||
| Average total assets | $558,115,750 | 1,196 |
| Average earning assets | $515,416,000 | 1,175 |
| Average equity | $61,932,750 | 1,097 |
| Average total loans | $378,846,500 | 1,134 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 5,931 |
| Cost of funding earning assets | 1.4402% | 1,232 |
| Net interest margin | 2.8853% | 6,816 |
| Noninterest income to average assets | 0.3264% | 5,282 |
| Noninterest expense to average assets | 1.8242% | 7,055 |
| Loan and lease loss provision to assets | 0.6804% | 1,410 |
| Net operating income to assets | 0.3097% | 5,334 |
| Return on assets (ROA) | 0.3097% | 5,471 |
| Pretax return on assets | 0.4940% | 5,095 |
| Return on Equity (ROE) | 2.8336% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.8336% | 4,485 |
| Net charge-offs to loans | 0.9472% | 1,650 |
| Credit loss provision to net charge-offs | 105.2632% | 2,931 |
| Earnings coverage of net charge-offs (x) | 1.8169% | 3,956 |
| Efficiency ratio | 60.8367% | 5,753 |
| Assets per employee ($millions) | 8.4544% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 2,171 |
| Loan loss allowance to noncurrent loans | 80.7799% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 4.1250% | 1,547 |
| Noncurrent loans to loans | 2.5695% | 2,809 |
| Net loans and leases to total assets | 67.2207% | 2,788 |
| Net loans and leases to deposits | 77.7650% | 3,160 |
| Net loans and leases to core deposits | 120.9383% | 398 |
| Total domestic deposits to total assets | 86.4409% | 3,079 |
| Equity capital to assets | 11.3212% | 2,664 |
| Core capital (leverage) ratio | 10.9838% | 2,263 |
| Tier 1 risk-based capital ratio | 16.1946% | 2,884 |
| Total risk-based capital ratio | 17.4543% | 2,849 |
| Memoranda: | ||
| Average total assets | $564,409,670 | 1,189 |
| Average earning assets | $522,712,330 | 1,169 |
| Average equity | $61,687,330 | 1,097 |
| Average total loans | $385,151,670 | 1,138 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 6,071 |
| Cost of funding earning assets | 1.4683% | 1,303 |
| Net interest margin | 2.8085% | 6,890 |
| Noninterest income to average assets | 0.3246% | 5,320 |
| Noninterest expense to average assets | 1.8362% | 7,092 |
| Loan and lease loss provision to assets | 0.6715% | 1,269 |
| Net operating income to assets | 0.2665% | 5,555 |
| Return on assets (ROA) | 0.2665% | 5,616 |
| Pretax return on assets | 0.4246% | 5,260 |
| Return on Equity (ROE) | 2.4811% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.4811% | 4,664 |
| Net charge-offs to loans | 0.3917% | 2,511 |
| Credit loss provision to net charge-offs | 251.9685% | 1,236 |
| Earnings coverage of net charge-offs (x) | 4.1129% | 2,558 |
| Efficiency ratio | 62.6193% | 5,581 |
| Assets per employee ($millions) | 8.9082% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 2,093 |
| Loan loss allowance to noncurrent loans | 58.4517% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 4.5174% | 1,441 |
| Noncurrent loans to loans | 3.6659% | 2,019 |
| Net loans and leases to total assets | 66.5892% | 2,864 |
| Net loans and leases to deposits | 76.7761% | 3,287 |
| Net loans and leases to core deposits | 119.7481% | 423 |
| Total domestic deposits to total assets | 86.7317% | 3,104 |
| Equity capital to assets | 10.8050% | 2,878 |
| Core capital (leverage) ratio | 10.7084% | 2,433 |
| Tier 1 risk-based capital ratio | 15.9051% | 2,950 |
| Total risk-based capital ratio | 17.1661% | 2,916 |
| Memoranda: | ||
| Average total assets | $571,848,000 | 1,177 |
| Average earning assets | $530,961,000 | 1,153 |
| Average equity | $61,424,000 | 1,090 |
| Average total loans | $389,112,500 | 1,128 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 5,727 |
| Cost of funding earning assets | 1.7887% | 1,215 |
| Net interest margin | 2.9321% | 6,850 |
| Noninterest income to average assets | 0.2615% | 5,924 |
| Noninterest expense to average assets | 1.7016% | 7,350 |
| Loan and lease loss provision to assets | 0.8591% | 1,896 |
| Net operating income to assets | 0.2620% | 5,066 |
| Return on assets (ROA) | 0.2730% | 5,189 |
| Pretax return on assets | 0.4290% | 4,853 |
| Return on Equity (ROE) | 2.6264% | 5,121 |
| Retained earnings to average equity (ytd only) | 2.6264% | 4,026 |
| Net charge-offs to loans | 1.2745% | 1,761 |
| Credit loss provision to net charge-offs | 95.1113% | 4,891 |
| Earnings coverage of net charge-offs (x) | 1.4071% | 4,709 |
| Efficiency ratio | 57.2452% | 6,424 |
| Assets per employee ($millions) | 9.1043% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9817% | 2,349 |
| Loan loss allowance to noncurrent loans | 75.8161% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 3.3875% | 2,067 |
| Noncurrent loans to loans | 2.6138% | 2,911 |
| Net loans and leases to total assets | 66.6938% | 3,301 |
| Net loans and leases to deposits | 76.5255% | 3,759 |
| Net loans and leases to core deposits | 123.7323% | 431 |
| Total domestic deposits to total assets | 87.1524% | 2,745 |
| Equity capital to assets | 10.6780% | 2,983 |
| Core capital (leverage) ratio | 10.5696% | 2,491 |
| Tier 1 risk-based capital ratio | 15.6654% | 2,919 |
| Total risk-based capital ratio | 16.9244% | 2,872 |
| Memoranda: | ||
| Average total assets | $582,034,000 | 1,156 |
| Average earning assets | $538,147,600 | 1,128 |
| Average equity | $60,501,600 | 1,102 |
| Average total loans | $412,464,800 | 1,090 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 5,747 |
| Cost of funding earning assets | 1.8501% | 1,215 |
| Net interest margin | 2.9270% | 6,964 |
| Noninterest income to average assets | 0.2634% | 6,011 |
| Noninterest expense to average assets | 1.7162% | 7,427 |
| Loan and lease loss provision to assets | 0.7190% | 2,124 |
| Net operating income to assets | 0.3355% | 5,027 |
| Return on assets (ROA) | 0.3501% | 5,141 |
| Pretax return on assets | 0.5533% | 4,751 |
| Return on Equity (ROE) | 3.3910% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.3910% | 4,063 |
| Net charge-offs to loans | 0.8200% | 2,401 |
| Credit loss provision to net charge-offs | 122.5204% | 3,356 |
| Earnings coverage of net charge-offs (x) | 2.1291% | 4,125 |
| Efficiency ratio | 57.8696% | 6,289 |
| Assets per employee ($millions) | 9.0187% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1242% | 1,943 |
| Loan loss allowance to noncurrent loans | 113.7057% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 2.8600% | 2,540 |
| Noncurrent loans to loans | 1.8681% | 3,839 |
| Net loans and leases to total assets | 69.4999% | 2,850 |
| Net loans and leases to deposits | 79.8706% | 3,476 |
| Net loans and leases to core deposits | 130.3108% | 371 |
| Total domestic deposits to total assets | 87.0156% | 2,518 |
| Equity capital to assets | 10.7588% | 3,215 |
| Core capital (leverage) ratio | 10.6289% | 2,566 |
| Tier 1 risk-based capital ratio | 15.3776% | 3,058 |
| Total risk-based capital ratio | 16.6388% | 3,017 |
| Memoranda: | ||
| Average total assets | $584,149,500 | 1,157 |
| Average earning assets | $539,279,000 | 1,141 |
| Average equity | $60,315,500 | 1,106 |
| Average total loans | $418,013,250 | 1,078 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 5,813 |
| Cost of funding earning assets | 1.9100% | 1,206 |
| Net interest margin | 2.8849% | 7,026 |
| Noninterest income to average assets | 0.2602% | 6,057 |
| Noninterest expense to average assets | 1.7310% | 7,477 |
| Loan and lease loss provision to assets | 0.7125% | 2,042 |
| Net operating income to assets | 0.3016% | 5,180 |
| Return on assets (ROA) | 0.3233% | 5,261 |
| Pretax return on assets | 0.5093% | 4,879 |
| Return on Equity (ROE) | 3.1743% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.1743% | 4,090 |
| Net charge-offs to loans | 0.6886% | 2,498 |
| Credit loss provision to net charge-offs | 144.2308% | 2,754 |
| Earnings coverage of net charge-offs (x) | 2.4045% | 3,792 |
| Efficiency ratio | 59.3049% | 6,173 |
| Assets per employee ($millions) | 8.9685% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0877% | 1,986 |
| Loan loss allowance to noncurrent loans | 94.3200% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 3.0130% | 2,362 |
| Noncurrent loans to loans | 2.2134% | 3,471 |
| Net loans and leases to total assets | 70.5563% | 2,783 |
| Net loans and leases to deposits | 81.3386% | 3,377 |
| Net loans and leases to core deposits | 127.1771% | 480 |
| Total domestic deposits to total assets | 86.7440% | 2,681 |
| Equity capital to assets | 10.5614% | 3,333 |
| Core capital (leverage) ratio | 10.3290% | 2,791 |
| Tier 1 risk-based capital ratio | 14.8818% | 3,220 |
| Total risk-based capital ratio | 16.1425% | 3,184 |
| Memoranda: | ||
| Average total assets | $589,474,000 | 1,151 |
| Average earning assets | $543,239,670 | 1,135 |
| Average equity | $60,044,330 | 1,104 |
| Average total loans | $422,867,000 | 1,079 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 5,869 |
| Cost of funding earning assets | 1.9662% | 1,192 |
| Net interest margin | 2.8409% | 7,118 |
| Noninterest income to average assets | 0.2666% | 6,022 |
| Noninterest expense to average assets | 1.7434% | 7,530 |
| Loan and lease loss provision to assets | 0.7033% | 1,809 |
| Net operating income to assets | 0.2770% | 5,386 |
| Return on assets (ROA) | 0.2860% | 5,481 |
| Pretax return on assets | 0.4487% | 5,138 |
| Return on Equity (ROE) | 2.8583% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.8583% | 4,412 |
| Net charge-offs to loans | 0.7542% | 2,002 |
| Credit loss provision to net charge-offs | 130.2730% | 2,709 |
| Earnings coverage of net charge-offs (x) | 2.1079% | 3,488 |
| Efficiency ratio | 60.5067% | 6,079 |
| Assets per employee ($millions) | 9.5442% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 2,266 |
| Loan loss allowance to noncurrent loans | 93.2405% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 2.7486% | 2,643 |
| Noncurrent loans to loans | 2.1123% | 3,638 |
| Net loans and leases to total assets | 68.1690% | 3,350 |
| Net loans and leases to deposits | 78.0353% | 4,032 |
| Net loans and leases to core deposits | 121.3778% | 730 |
| Total domestic deposits to total assets | 87.3567% | 2,433 |
| Equity capital to assets | 10.0073% | 3,866 |
| Core capital (leverage) ratio | 10.0736% | 3,071 |
| Tier 1 risk-based capital ratio | 14.4306% | 3,424 |
| Total risk-based capital ratio | 15.6895% | 3,386 |
| Memoranda: | ||
| Average total assets | $597,217,500 | 1,158 |
| Average earning assets | $549,687,500 | 1,137 |
| Average equity | $59,756,000 | 1,115 |
| Average total loans | $427,491,000 | 1,099 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2483% | 5,421 |
| Cost of funding earning assets | 2.4120% | 1,260 |
| Net interest margin | 2.8363% | 6,996 |
| Noninterest income to average assets | 0.2391% | 6,375 |
| Noninterest expense to average assets | 1.8613% | 7,552 |
| Loan and lease loss provision to assets | 0.7047% | 3,003 |
| Net operating income to assets | 0.2263% | 4,814 |
| Return on assets (ROA) | 0.2270% | 4,879 |
| Pretax return on assets | 0.3098% | 4,732 |
| Return on Equity (ROE) | 2.4604% | 4,729 |
| Retained earnings to average equity (ytd only) | 2.4604% | 3,416 |
| Net charge-offs to loans | 1.1946% | 2,059 |
| Credit loss provision to net charge-offs | 75.5804% | 6,379 |
| Earnings coverage of net charge-offs (x) | 1.0870% | 5,024 |
| Efficiency ratio | 64.7451% | 5,634 |
| Assets per employee ($millions) | 9.7238% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 2,453 |
| Loan loss allowance to noncurrent loans | 93.8682% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 2.9326% | 2,388 |
| Noncurrent loans to loans | 1.9487% | 3,735 |
| Net loans and leases to total assets | 72.3031% | 2,680 |
| Net loans and leases to deposits | 82.9818% | 3,453 |
| Net loans and leases to core deposits | 109.5938% | 2,946 |
| Total domestic deposits to total assets | 87.1313% | 2,424 |
| Equity capital to assets | 10.0042% | 3,762 |
| Core capital (leverage) ratio | 9.6966% | 3,457 |
| Tier 1 risk-based capital ratio | 13.6722% | 3,703 |
| Total risk-based capital ratio | 14.9296% | 3,638 |
| Memoranda: | ||
| Average total assets | $605,217,000 | 1,145 |
| Average earning assets | $562,431,400 | 1,121 |
| Average equity | $55,843,600 | 1,177 |
| Average total loans | $472,381,800 | 1,016 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 5,515 |
| Cost of funding earning assets | 2.4645% | 1,399 |
| Net interest margin | 2.8191% | 7,025 |
| Noninterest income to average assets | 0.2278% | 6,598 |
| Noninterest expense to average assets | 1.7903% | 7,668 |
| Loan and lease loss provision to assets | 0.6609% | 2,763 |
| Net operating income to assets | 0.2908% | 4,819 |
| Return on assets (ROA) | 0.2918% | 4,928 |
| Pretax return on assets | 0.4073% | 4,786 |
| Return on Equity (ROE) | 3.2284% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.2284% | 3,515 |
| Net charge-offs to loans | 1.2060% | 1,688 |
| Credit loss provision to net charge-offs | 69.2626% | 5,995 |
| Earnings coverage of net charge-offs (x) | 1.1181% | 4,941 |
| Efficiency ratio | 62.6592% | 5,989 |
| Assets per employee ($millions) | 10.1597% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 2,387 |
| Loan loss allowance to noncurrent loans | 116.1220% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 2.5765% | 2,695 |
| Noncurrent loans to loans | 1.5231% | 4,371 |
| Net loans and leases to total assets | 73.1723% | 2,747 |
| Net loans and leases to deposits | 83.6468% | 3,704 |
| Net loans and leases to core deposits | 110.8203% | 3,145 |
| Total domestic deposits to total assets | 87.4776% | 1,903 |
| Equity capital to assets | 9.7196% | 4,472 |
| Core capital (leverage) ratio | 9.7023% | 3,640 |
| Tier 1 risk-based capital ratio | 13.1031% | 4,118 |
| Total risk-based capital ratio | 14.3596% | 4,047 |
| Memoranda: | ||
| Average total assets | $608,233,000 | 1,154 |
| Average earning assets | $567,304,750 | 1,126 |
| Average equity | $54,969,500 | 1,216 |
| Average total loans | $481,262,500 | 1,020 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3085% | 5,620 |
| Cost of funding earning assets | 2.5060% | 1,592 |
| Net interest margin | 2.8025% | 7,006 |
| Noninterest income to average assets | 0.2106% | 6,795 |
| Noninterest expense to average assets | 1.7687% | 7,777 |
| Loan and lease loss provision to assets | 0.6466% | 2,492 |
| Net operating income to assets | 0.3103% | 4,848 |
| Return on assets (ROA) | 0.3103% | 4,963 |
| Pretax return on assets | 0.4209% | 4,874 |
| Return on Equity (ROE) | 3.5224% | 4,702 |
| Retained earnings to average equity (ytd only) | 3.5224% | 3,347 |
| Net charge-offs to loans | 0.8394% | 2,009 |
| Credit loss provision to net charge-offs | 95.4810% | 4,755 |
| Earnings coverage of net charge-offs (x) | 1.5763% | 4,357 |
| Efficiency ratio | 62.3622% | 6,190 |
| Assets per employee ($millions) | 9.9623% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 1,718 |
| Loan loss allowance to noncurrent loans | 74.6619% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.3814% | 2,722 |
| Noncurrent loans to loans | 2.5847% | 2,803 |
| Net loans and leases to total assets | 77.5722% | 1,846 |
| Net loans and leases to deposits | 88.5010% | 3,090 |
| Net loans and leases to core deposits | 113.1827% | 2,999 |
| Total domestic deposits to total assets | 87.6511% | 1,951 |
| Equity capital to assets | 9.6819% | 4,377 |
| Core capital (leverage) ratio | 9.7842% | 3,540 |
| Tier 1 risk-based capital ratio | 12.5746% | 4,459 |
| Total risk-based capital ratio | 13.8336% | 4,373 |
| Memoranda: | ||
| Average total assets | $607,783,330 | 1,175 |
| Average earning assets | $569,425,670 | 1,140 |
| Average equity | $53,543,000 | 1,263 |
| Average total loans | $490,324,670 | 1,014 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 5,973 |
| Cost of funding earning assets | 2.5613% | 1,694 |
| Net interest margin | 2.7197% | 7,159 |
| Noninterest income to average assets | 0.2205% | 6,709 |
| Noninterest expense to average assets | 1.7275% | 7,792 |
| Loan and lease loss provision to assets | 0.4936% | 2,505 |
| Net operating income to assets | 0.3494% | 5,071 |
| Return on assets (ROA) | 0.3494% | 5,254 |
| Pretax return on assets | 0.5528% | 4,905 |
| Return on Equity (ROE) | 4.1732% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.1732% | 3,593 |
| Net charge-offs to loans | 0.7683% | 1,670 |
| Credit loss provision to net charge-offs | 78.8644% | 4,209 |
| Earnings coverage of net charge-offs (x) | 1.6719% | 3,892 |
| Efficiency ratio | 62.2776% | 6,003 |
| Assets per employee ($millions) | 10.6096% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8664% | 1,696 |
| Loan loss allowance to noncurrent loans | 60.4271% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 2.7585% | 2,055 |
| Noncurrent loans to loans | 3.0886% | 2,094 |
| Net loans and leases to total assets | 79.7121% | 1,442 |
| Net loans and leases to deposits | 89.9595% | 2,935 |
| Net loans and leases to core deposits | 113.3857% | 3,066 |
| Total domestic deposits to total assets | 88.6089% | 1,417 |
| Equity capital to assets | 8.7417% | 5,704 |
| Core capital (leverage) ratio | 8.7736% | 5,029 |
| Tier 1 risk-based capital ratio | 11.1397% | 5,768 |
| Total risk-based capital ratio | 12.3981% | 5,679 |
| Memoranda: | ||
| Average total assets | $607,825,000 | 1,174 |
| Average earning assets | $570,655,500 | 1,146 |
| Average equity | $50,896,000 | 1,345 |
| Average total loans | $495,146,000 | 1,014 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2726% | 4,109 |
| Cost of funding earning assets | 3.0911% | 1,529 |
| Net interest margin | 3.1815% | 6,421 |
| Noninterest income to average assets | 0.2030% | 6,996 |
| Noninterest expense to average assets | 1.4579% | 8,051 |
| Loan and lease loss provision to assets | 1.0920% | 1,327 |
| Net operating income to assets | 0.3587% | 5,319 |
| Return on assets (ROA) | 0.3670% | 5,086 |
| Pretax return on assets | 0.6211% | 4,622 |
| Return on Equity (ROE) | 4.2824% | 4,691 |
| Retained earnings to average equity (ytd only) | 2.2251% | 3,829 |
| Net charge-offs to loans | 0.4787% | 2,438 |
| Credit loss provision to net charge-offs | 268.6408% | 1,719 |
| Earnings coverage of net charge-offs (x) | 4.1824% | 4,073 |
| Efficiency ratio | 46.1635% | 7,921 |
| Assets per employee ($millions) | 9.8533% | 277 |
| Cash dividends to net income (ytd only)* | 48.0415% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 1,469 |
| Loan loss allowance to noncurrent loans | 190.4655% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 4,507 |
| Noncurrent loans to loans | 0.9856% | 4,621 |
| Net loans and leases to total assets | 80.1597% | 1,624 |
| Net loans and leases to deposits | 89.8103% | 3,483 |
| Net loans and leases to core deposits | 111.6933% | 3,595 |
| Total domestic deposits to total assets | 89.2544% | 939 |
| Equity capital to assets | 8.0090% | 6,835 |
| Core capital (leverage) ratio | 8.0541% | 6,399 |
| Tier 1 risk-based capital ratio | 9.9603% | 6,779 |
| Total risk-based capital ratio | 11.2184% | 6,657 |
| Memoranda: | ||
| Average total assets | $577,355,000 | 1,166 |
| Average earning assets | $536,249,200 | 1,150 |
| Average equity | $49,481,400 | 1,376 |
| Average total loans | $490,308,800 | 974 |