Home > Androscoggin Savings Bank > Performance and Condition Ratios
Androscoggin Savings Bank, Performance and Condition Ratios
| 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 | 4.9553% | 3,169 |
| Cost of funding earning assets | 2.2351% | 1,658 |
| Net interest margin | 2.7201% | 3,593 |
| Noninterest income to average assets | 0.4700% | 2,077 |
| Noninterest expense to average assets | 2.4627% | 2,407 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.4439% | 3,596 |
| Return on assets (ROA) | 0.4225% | 3,667 |
| Pretax return on assets | 0.4898% | 3,670 |
| Return on Equity (ROE) | 4.8800% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.8758% | 2,284 |
| Net charge-offs to loans | -0.0170% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 81.3961% | 959 |
| Assets per employee ($millions) | 8.4786% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 3,474 |
| Loan loss allowance to noncurrent loans | 487.3783% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 2,649 |
| Noncurrent loans to loans | 0.1942% | 2,740 |
| Net loans and leases to total assets | 81.9700% | 441 |
| Net loans and leases to deposits | 103.4072% | 333 |
| Net loans and leases to core deposits | 140.9383% | 237 |
| Total domestic deposits to total assets | 79.2700% | 3,641 |
| Equity capital to assets | 8.7875% | 2,982 |
| Core capital (leverage) ratio | 9.5772% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6009% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,636,393,400 | 685 |
| Average earning assets | $1,537,352,600 | 664 |
| Average equity | $141,802,800 | 763 |
| Average total loans | $1,345,374,200 | 605 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 3,195 |
| Cost of funding earning assets | 2.2422% | 1,650 |
| Net interest margin | 2.6615% | 3,661 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.4056% | 2,507 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.4548% | 3,574 |
| Return on assets (ROA) | 0.4329% | 3,653 |
| Pretax return on assets | 0.5099% | 3,637 |
| Return on Equity (ROE) | 5.0100% | 3,527 |
| Retained earnings to average equity (ytd only) | 5.0141% | 2,464 |
| Net charge-offs to loans | -0.0041% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 80.8967% | 1,026 |
| Assets per employee ($millions) | 8.7192% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 3,647 |
| Loan loss allowance to noncurrent loans | 220.2058% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 1,860 |
| Noncurrent loans to loans | 0.4107% | 2,049 |
| Net loans and leases to total assets | 81.6600% | 443 |
| Net loans and leases to deposits | 103.6311% | 336 |
| Net loans and leases to core deposits | 140.2938% | 254 |
| Total domestic deposits to total assets | 78.8000% | 3,633 |
| Equity capital to assets | 8.7693% | 3,196 |
| Core capital (leverage) ratio | 9.5161% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6617% | 2,353 |
| Memoranda: | ||
| Average total assets | $1,630,038,750 | 681 |
| Average earning assets | $1,532,396,750 | 661 |
| Average equity | $140,745,500 | 760 |
| Average total loans | $1,337,919,500 | 596 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 3,149 |
| Cost of funding earning assets | 2.2040% | 1,638 |
| Net interest margin | 2.6718% | 3,636 |
| Noninterest income to average assets | 0.4900% | 1,897 |
| Noninterest expense to average assets | 2.4138% | 2,487 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.4659% | 3,520 |
| Return on assets (ROA) | 0.4433% | 3,614 |
| Pretax return on assets | 0.5214% | 3,586 |
| Return on Equity (ROE) | 5.1600% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.1619% | 2,290 |
| Net charge-offs to loans | -0.0051% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 80.5336% | 1,085 |
| Assets per employee ($millions) | 8.0230% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 3,661 |
| Loan loss allowance to noncurrent loans | 252.3751% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 1,966 |
| Noncurrent loans to loans | 0.3614% | 2,111 |
| Net loans and leases to total assets | 81.8700% | 481 |
| Net loans and leases to deposits | 101.4148% | 484 |
| Net loans and leases to core deposits | 146.2429% | 201 |
| Total domestic deposits to total assets | 80.7300% | 3,325 |
| Equity capital to assets | 8.6304% | 3,007 |
| Core capital (leverage) ratio | 9.4679% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7562% | 2,345 |
| Memoranda: | ||
| Average total assets | $1,618,264,000 | 687 |
| Average earning assets | $1,520,419,667 | 672 |
| Average equity | $138,980,333 | 769 |
| Average total loans | $1,326,422,333 | 604 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 3,156 |
| Cost of funding earning assets | 2.1599% | 1,638 |
| Net interest margin | 2.6361% | 3,668 |
| Noninterest income to average assets | 0.4900% | 1,833 |
| Noninterest expense to average assets | 2.4272% | 2,438 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.4179% | 3,569 |
| Return on assets (ROA) | 0.4077% | 3,618 |
| Pretax return on assets | 0.5002% | 3,575 |
| Return on Equity (ROE) | 4.7600% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.7586% | 2,474 |
| Net charge-offs to loans | -0.0055% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.8600% | 1,049 |
| Assets per employee ($millions) | 8.0003% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 3,687 |
| Loan loss allowance to noncurrent loans | 1,497.6398% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,340 |
| Noncurrent loans to loans | 0.0604% | 3,332 |
| Net loans and leases to total assets | 80.8900% | 523 |
| Net loans and leases to deposits | 100.8583% | 444 |
| Net loans and leases to core deposits | 140.0712% | 268 |
| Total domestic deposits to total assets | 80.2000% | 3,494 |
| Equity capital to assets | 8.4847% | 3,033 |
| Core capital (leverage) ratio | 9.4593% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9941% | 2,585 |
| Memoranda: | ||
| Average total assets | $1,613,063,000 | 695 |
| Average earning assets | $1,513,742,000 | 678 |
| Average equity | $138,190,500 | 772 |
| Average total loans | $1,316,767,000 | 608 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 3,135 |
| Cost of funding earning assets | 1.4118% | 2,202 |
| Net interest margin | 3.0617% | 3,166 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.5290% | 2,222 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6104% | 3,417 |
| Return on assets (ROA) | 0.5965% | 3,444 |
| Pretax return on assets | 0.7235% | 3,390 |
| Return on Equity (ROE) | 7.0200% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.0166% | 1,893 |
| Net charge-offs to loans | 0.3319% | 328 |
| Credit loss provision to net charge-offs | 20.7311% | 2,306 |
| Earnings coverage of net charge-offs (x) | 2.8749% | 2,668 |
| Efficiency ratio | 76.4263% | 1,215 |
| Assets per employee ($millions) | 7.7759% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,664 |
| Loan loss allowance to noncurrent loans | 1,372.2350% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,227 |
| Noncurrent loans to loans | 0.0667% | 3,235 |
| Net loans and leases to total assets | 80.8900% | 547 |
| Net loans and leases to deposits | 99.3293% | 573 |
| Net loans and leases to core deposits | 138.9732% | 285 |
| Total domestic deposits to total assets | 81.4400% | 3,234 |
| Equity capital to assets | 8.6512% | 2,932 |
| Core capital (leverage) ratio | 9.4611% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1764% | 2,532 |
| Memoranda: | ||
| Average total assets | $1,532,404,400 | 705 |
| Average earning assets | $1,436,635,000 | 687 |
| Average equity | $130,276,200 | 760 |
| Average total loans | $1,252,917,800 | 610 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 291,584.0000% | 4 |
| Cost of funding earning assets | 922.0000% | 10 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.5913% | 3,549 |
| Pretax return on assets | 0.7191% | 3,509 |
| Return on Equity (ROE) | 6.9900% | 3,436 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0011% | 2,577 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 6.7306% | 4,582 |
| Assets per employee ($millions) | 0.0556% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 10.0000% | 8 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 388.0000% | 14 |
| Equity capital to assets | 4,853.0000% | 31 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $747,000 | 4,627 |
| Average earning assets | $10,122 | 4,587 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 3,086 |
| Cost of funding earning assets | 1.1655% | 2,091 |
| Net interest margin | 3.1425% | 3,127 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.5775% | 1,986 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.5898% | 3,602 |
| Return on assets (ROA) | 0.5722% | 3,653 |
| Pretax return on assets | 0.6958% | 3,608 |
| Return on Equity (ROE) | 6.6800% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.6773% | 2,385 |
| Net charge-offs to loans | 0.6843% | 123 |
| Credit loss provision to net charge-offs | 14.6568% | 1,787 |
| Earnings coverage of net charge-offs (x) | 1.4147% | 2,366 |
| Efficiency ratio | 76.4575% | 1,133 |
| Assets per employee ($millions) | 7.3646% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 3,698 |
| Loan loss allowance to noncurrent loans | 426.6422% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 2,310 |
| Noncurrent loans to loans | 0.2170% | 2,398 |
| Net loans and leases to total assets | 80.8300% | 542 |
| Net loans and leases to deposits | 102.1389% | 428 |
| Net loans and leases to core deposits | 134.1208% | 274 |
| Total domestic deposits to total assets | 79.1300% | 3,704 |
| Equity capital to assets | 8.4417% | 2,910 |
| Core capital (leverage) ratio | 9.5875% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7404% | 2,387 |
| Memoranda: | ||
| Average total assets | $1,495,866,000 | 711 |
| Average earning assets | $1,403,005,000 | 694 |
| Average equity | $128,195,667 | 763 |
| Average total loans | $1,226,358,333 | 605 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 3,096 |
| Cost of funding earning assets | 0.9590% | 2,185 |
| Net interest margin | 3.2152% | 3,076 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.6447% | 1,825 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.5893% | 3,711 |
| Return on assets (ROA) | 0.5774% | 3,700 |
| Pretax return on assets | 0.7098% | 3,640 |
| Return on Equity (ROE) | 6.6900% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.6852% | 2,592 |
| Net charge-offs to loans | 1.3439% | 58 |
| Credit loss provision to net charge-offs | 7.5657% | 1,408 |
| Earnings coverage of net charge-offs (x) | 0.7268% | 1,999 |
| Efficiency ratio | 76.7118% | 1,109 |
| Assets per employee ($millions) | 7.3810% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 3,741 |
| Loan loss allowance to noncurrent loans | 402.3910% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 2,195 |
| Noncurrent loans to loans | 0.2345% | 2,330 |
| Net loans and leases to total assets | 80.1900% | 521 |
| Net loans and leases to deposits | 100.8384% | 409 |
| Net loans and leases to core deposits | 132.2237% | 255 |
| Total domestic deposits to total assets | 79.5300% | 3,827 |
| Equity capital to assets | 8.6215% | 2,806 |
| Core capital (leverage) ratio | 9.7144% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1459% | 2,335 |
| Memoranda: | ||
| Average total assets | $1,474,194,500 | 732 |
| Average earning assets | $1,383,537,000 | 711 |
| Average equity | $127,325,500 | 775 |
| Average total loans | $1,211,680,500 | 617 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 2,654 |
| Cost of funding earning assets | 0.3956% | 2,142 |
| Net interest margin | 3.2554% | 2,689 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.5379% | 1,999 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.6150% | 3,847 |
| Return on assets (ROA) | 0.5788% | 3,891 |
| Pretax return on assets | 0.6996% | 3,845 |
| Return on Equity (ROE) | 6.4000% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.3991% | 2,492 |
| Net charge-offs to loans | -0.0405% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.3448% | 1,403 |
| Assets per employee ($millions) | 6.9713% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,111 |
| Loan loss allowance to noncurrent loans | 217.6471% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 1,052 |
| Noncurrent loans to loans | 0.5773% | 1,288 |
| Net loans and leases to total assets | 82.4200% | 376 |
| Net loans and leases to deposits | 94.4473% | 751 |
| Net loans and leases to core deposits | 123.8704% | 303 |
| Total domestic deposits to total assets | 87.2700% | 2,301 |
| Equity capital to assets | 8.6529% | 2,591 |
| Core capital (leverage) ratio | 9.5708% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1251% | 2,315 |
| Memoranda: | ||
| Average total assets | $1,413,364,000 | 738 |
| Average earning assets | $1,331,273,200 | 721 |
| Average equity | $127,846,600 | 771 |
| Average total loans | $1,131,890,400 | 611 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 2,733 |
| Cost of funding earning assets | 0.3299% | 1,865 |
| Net interest margin | 3.1351% | 2,816 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.5348% | 1,908 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7034% | 3,560 |
| Return on assets (ROA) | 0.6560% | 3,636 |
| Pretax return on assets | 0.7960% | 3,584 |
| Return on Equity (ROE) | 7.1700% | 3,558 |
| Retained earnings to average equity (ytd only) | 7.1720% | 2,313 |
| Net charge-offs to loans | -0.0349% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.3787% | 1,237 |
| Assets per employee ($millions) | 7.0199% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 3,407 |
| Loan loss allowance to noncurrent loans | 1,027.7778% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 3,098 |
| Noncurrent loans to loans | 0.0987% | 3,172 |
| Net loans and leases to total assets | 81.1800% | 429 |
| Net loans and leases to deposits | 91.6632% | 782 |
| Net loans and leases to core deposits | 113.5731% | 373 |
| Total domestic deposits to total assets | 88.5600% | 2,255 |
| Equity capital to assets | 8.4791% | 2,558 |
| Core capital (leverage) ratio | 9.7266% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4545% | 2,284 |
| Memoranda: | ||
| Average total assets | $1,404,196,000 | 750 |
| Average earning assets | $1,323,866,500 | 730 |
| Average equity | $128,440,750 | 775 |
| Average total loans | $1,112,283,000 | 617 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3124% | 2,697 |
| Cost of funding earning assets | 0.2910% | 1,796 |
| Net interest margin | 3.0215% | 2,822 |
| Noninterest income to average assets | 0.4501% | 2,447 |
| Noninterest expense to average assets | 2.5335% | 1,825 |
| Loan and lease loss provision to assets | 0.0377% | 1,911 |
| Net operating income to assets | 0.6183% | 3,577 |
| Return on assets (ROA) | 0.5665% | 3,663 |
| Pretax return on assets | 0.6766% | 3,639 |
| Return on Equity (ROE) | 6.0407% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.0407% | 2,323 |
| Net charge-offs to loans | -0.0449% | 4,197 |
| Credit loss provision to net charge-offs | -107.3770% | 3,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6629% | 1,207 |
| Assets per employee ($millions) | 6.8835% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,331 |
| Loan loss allowance to noncurrent loans | 786.3427% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 2,961 |
| Noncurrent loans to loans | 0.1346% | 3,035 |
| Net loans and leases to total assets | 78.5567% | 518 |
| Net loans and leases to deposits | 88.6976% | 795 |
| Net loans and leases to core deposits | 107.0649% | 417 |
| Total domestic deposits to total assets | 88.5668% | 2,346 |
| Equity capital to assets | 8.8507% | 2,495 |
| Core capital (leverage) ratio | 9.8209% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4572% | 2,301 |
| Memoranda: | ||
| Average total assets | $1,390,225,667 | 747 |
| Average earning assets | $1,313,471,333 | 735 |
| Average equity | $130,382,000 | 772 |
| Average total loans | $1,087,719,333 | 612 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2439% | 2,553 |
| Cost of funding earning assets | 0.2613% | 2,029 |
| Net interest margin | 2.9826% | 2,558 |
| Noninterest income to average assets | 0.5000% | 2,139 |
| Noninterest expense to average assets | 2.5977% | 1,609 |
| Loan and lease loss provision to assets | 0.0740% | 1,120 |
| Net operating income to assets | 0.5409% | 3,593 |
| Return on assets (ROA) | 0.5087% | 3,656 |
| Pretax return on assets | 0.6188% | 3,586 |
| Return on Equity (ROE) | 5.2703% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.2703% | 2,490 |
| Net charge-offs to loans | 0.0008% | 1,818 |
| Credit loss provision to net charge-offs | 12,700.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,246.0000% | 66 |
| Efficiency ratio | 78.1557% | 1,302 |
| Assets per employee ($millions) | 6.7407% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,398 |
| Loan loss allowance to noncurrent loans | 500.0853% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 2,586 |
| Noncurrent loans to loans | 0.2168% | 2,733 |
| Net loans and leases to total assets | 78.5316% | 335 |
| Net loans and leases to deposits | 89.0619% | 558 |
| Net loans and leases to core deposits | 107.6741% | 310 |
| Total domestic deposits to total assets | 88.1764% | 2,444 |
| Equity capital to assets | 9.5036% | 2,279 |
| Core capital (leverage) ratio | 9.8298% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7739% | 2,314 |
| Memoranda: | ||
| Average total assets | $1,372,896,000 | 757 |
| Average earning assets | $1,299,792,000 | 745 |
| Average equity | $132,517,000 | 772 |
| Average total loans | $1,065,920,000 | 619 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2744% | 3,284 |
| Cost of funding earning assets | 0.3253% | 2,161 |
| Net interest margin | 2.9491% | 3,325 |
| Noninterest income to average assets | 0.5219% | 2,476 |
| Noninterest expense to average assets | 2.4793% | 2,245 |
| Loan and lease loss provision to assets | 0.0620% | 1,829 |
| Net operating income to assets | 0.6347% | 3,794 |
| Return on assets (ROA) | 0.6129% | 3,892 |
| Pretax return on assets | 0.7427% | 3,854 |
| Return on Equity (ROE) | 6.3448% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.3448% | 2,205 |
| Net charge-offs to loans | 0.0771% | 1,025 |
| Credit loss provision to net charge-offs | 106.3291% | 1,736 |
| Earnings coverage of net charge-offs (x) | 14.1481% | 2,047 |
| Efficiency ratio | 75.0318% | 1,206 |
| Assets per employee ($millions) | 6.9907% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,389 |
| Loan loss allowance to noncurrent loans | 495.6785% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 2,476 |
| Noncurrent loans to loans | 0.2202% | 2,864 |
| Net loans and leases to total assets | 75.0879% | 581 |
| Net loans and leases to deposits | 86.9537% | 720 |
| Net loans and leases to core deposits | 104.1753% | 406 |
| Total domestic deposits to total assets | 86.3539% | 2,778 |
| Equity capital to assets | 9.7987% | 2,852 |
| Core capital (leverage) ratio | 9.7378% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0036% | 2,251 |
| Memoranda: | ||
| Average total assets | $1,354,753,800 | 735 |
| Average earning assets | $1,278,156,200 | 724 |
| Average equity | $130,862,200 | 792 |
| Average total loans | $1,025,128,400 | 643 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2446% | 3,526 |
| Cost of funding earning assets | 0.3448% | 2,167 |
| Net interest margin | 2.8997% | 3,552 |
| Noninterest income to average assets | 0.5235% | 2,524 |
| Noninterest expense to average assets | 2.4689% | 2,215 |
| Loan and lease loss provision to assets | 0.0811% | 1,463 |
| Net operating income to assets | 0.5928% | 4,014 |
| Return on assets (ROA) | 0.5692% | 4,110 |
| Pretax return on assets | 0.6820% | 4,097 |
| Return on Equity (ROE) | 5.9143% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.9143% | 2,864 |
| Net charge-offs to loans | -0.0005% | 3,084 |
| Credit loss provision to net charge-offs | -20,500.0000% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8635% | 1,045 |
| Assets per employee ($millions) | 7.3359% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 3,032 |
| Loan loss allowance to noncurrent loans | 265.8849% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 1,902 |
| Noncurrent loans to loans | 0.4480% | 2,217 |
| Net loans and leases to total assets | 74.0364% | 690 |
| Net loans and leases to deposits | 85.5744% | 853 |
| Net loans and leases to core deposits | 102.8863% | 496 |
| Total domestic deposits to total assets | 86.5170% | 2,548 |
| Equity capital to assets | 9.6234% | 3,267 |
| Core capital (leverage) ratio | 9.8135% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2117% | 2,291 |
| Memoranda: | ||
| Average total assets | $1,347,400,750 | 747 |
| Average earning assets | $1,268,956,750 | 740 |
| Average equity | $129,670,250 | 813 |
| Average total loans | $1,018,707,750 | 660 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2461% | 3,576 |
| Cost of funding earning assets | 0.3605% | 2,228 |
| Net interest margin | 2.8856% | 3,608 |
| Noninterest income to average assets | 0.5194% | 2,530 |
| Noninterest expense to average assets | 2.4649% | 2,254 |
| Loan and lease loss provision to assets | 0.1222% | 1,031 |
| Net operating income to assets | 0.5538% | 4,095 |
| Return on assets (ROA) | 0.5369% | 4,193 |
| Pretax return on assets | 0.6354% | 4,179 |
| Return on Equity (ROE) | 5.5785% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.5785% | 2,966 |
| Net charge-offs to loans | -0.0008% | 3,068 |
| Credit loss provision to net charge-offs | -20,450.0000% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1382% | 1,073 |
| Assets per employee ($millions) | 6.6016% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,892 |
| Loan loss allowance to noncurrent loans | 304.5274% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 2,174 |
| Noncurrent loans to loans | 0.3964% | 2,485 |
| Net loans and leases to total assets | 75.8732% | 599 |
| Net loans and leases to deposits | 88.1390% | 769 |
| Net loans and leases to core deposits | 107.3783% | 431 |
| Total domestic deposits to total assets | 86.0836% | 2,712 |
| Equity capital to assets | 9.8951% | 2,951 |
| Core capital (leverage) ratio | 9.6112% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4085% | 2,203 |
| Memoranda: | ||
| Average total assets | $1,339,262,333 | 750 |
| Average earning assets | $1,261,500,333 | 738 |
| Average equity | $128,888,667 | 813 |
| Average total loans | $1,015,648,000 | 664 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1660% | 3,744 |
| Cost of funding earning assets | 0.3706% | 2,348 |
| Net interest margin | 2.7954% | 3,776 |
| Noninterest income to average assets | 0.5323% | 2,469 |
| Noninterest expense to average assets | 2.4512% | 2,326 |
| Loan and lease loss provision to assets | 0.2426% | 438 |
| Net operating income to assets | 0.3906% | 4,373 |
| Return on assets (ROA) | 0.3731% | 4,437 |
| Pretax return on assets | 0.4535% | 4,413 |
| Return on Equity (ROE) | 3.9309% | 4,296 |
| Retained earnings to average equity (ytd only) | 3.9309% | 3,524 |
| Net charge-offs to loans | 0.0083% | 1,612 |
| Credit loss provision to net charge-offs | 3,895.2381% | 146 |
| Earnings coverage of net charge-offs (x) | 114.2857% | 563 |
| Efficiency ratio | 77.4965% | 999 |
| Assets per employee ($millions) | 7.0834% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 3,001 |
| Loan loss allowance to noncurrent loans | 299.5097% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 2,602 |
| Noncurrent loans to loans | 0.3958% | 2,686 |
| Net loans and leases to total assets | 76.4687% | 592 |
| Net loans and leases to deposits | 88.1878% | 812 |
| Net loans and leases to core deposits | 107.4989% | 470 |
| Total domestic deposits to total assets | 86.7112% | 2,440 |
| Equity capital to assets | 9.6014% | 3,103 |
| Core capital (leverage) ratio | 9.5747% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1236% | 2,239 |
| Memoranda: | ||
| Average total assets | $1,348,738,500 | 741 |
| Average earning assets | $1,269,220,500 | 731 |
| Average equity | $128,010,000 | 811 |
| Average total loans | $1,016,470,000 | 667 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8248% | 3,234 |
| Cost of funding earning assets | 0.6407% | 2,053 |
| Net interest margin | 3.1840% | 3,397 |
| Noninterest income to average assets | 0.6374% | 2,076 |
| Noninterest expense to average assets | 2.6166% | 2,494 |
| Loan and lease loss provision to assets | 0.1762% | 2,185 |
| Net operating income to assets | 0.6870% | 3,474 |
| Return on assets (ROA) | 0.6687% | 3,657 |
| Pretax return on assets | 0.8096% | 3,611 |
| Return on Equity (ROE) | 6.5786% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.5786% | 1,556 |
| Net charge-offs to loans | 0.0029% | 3,276 |
| Credit loss provision to net charge-offs | 7,685.7143% | 139 |
| Earnings coverage of net charge-offs (x) | 437.3571% | 258 |
| Efficiency ratio | 72.2935% | 1,649 |
| Assets per employee ($millions) | 7.5044% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 3,260 |
| Loan loss allowance to noncurrent loans | 255.5953% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 2,684 |
| Noncurrent loans to loans | 0.4457% | 2,637 |
| Net loans and leases to total assets | 72.5572% | 1,220 |
| Net loans and leases to deposits | 85.0054% | 1,356 |
| Net loans and leases to core deposits | 103.1162% | 766 |
| Total domestic deposits to total assets | 85.3560% | 2,632 |
| Equity capital to assets | 9.3835% | 3,712 |
| Core capital (leverage) ratio | 9.1938% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2022% | 2,170 |
| Memoranda: | ||
| Average total assets | $1,221,174,800 | 740 |
| Average earning assets | $1,143,669,800 | 729 |
| Average equity | $124,129,600 | 793 |
| Average total loans | $977,474,600 | 658 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 3,031 |
| Cost of funding earning assets | 0.6794% | 2,145 |
| Net interest margin | 3.3003% | 3,190 |
| Noninterest income to average assets | 0.6163% | 2,113 |
| Noninterest expense to average assets | 2.5765% | 2,609 |
| Loan and lease loss provision to assets | 0.2168% | 1,853 |
| Net operating income to assets | 0.7583% | 3,253 |
| Return on assets (ROA) | 0.7296% | 3,451 |
| Pretax return on assets | 0.8821% | 3,427 |
| Return on Equity (ROE) | 7.0227% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.0227% | 1,677 |
| Net charge-offs to loans | 0.0037% | 3,032 |
| Credit loss provision to net charge-offs | 7,137.0370% | 165 |
| Earnings coverage of net charge-offs (x) | 371.2963% | 308 |
| Efficiency ratio | 69.5520% | 1,952 |
| Assets per employee ($millions) | 6.9695% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,206 |
| Loan loss allowance to noncurrent loans | 385.8029% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 3,309 |
| Noncurrent loans to loans | 0.2855% | 3,261 |
| Net loans and leases to total assets | 78.8281% | 740 |
| Net loans and leases to deposits | 93.4797% | 962 |
| Net loans and leases to core deposits | 113.9449% | 560 |
| Total domestic deposits to total assets | 84.3264% | 2,700 |
| Equity capital to assets | 9.9390% | 3,281 |
| Core capital (leverage) ratio | 9.7881% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9136% | 2,243 |
| Memoranda: | ||
| Average total assets | $1,185,019,500 | 749 |
| Average earning assets | $1,108,826,750 | 734 |
| Average equity | $123,122,000 | 792 |
| Average total loans | $971,242,250 | 649 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 3,258 |
| Cost of funding earning assets | 0.7232% | 2,271 |
| Net interest margin | 3.3028% | 3,377 |
| Noninterest income to average assets | 0.5855% | 2,185 |
| Noninterest expense to average assets | 2.5497% | 2,827 |
| Loan and lease loss provision to assets | 0.2515% | 1,672 |
| Net operating income to assets | 0.7330% | 3,270 |
| Return on assets (ROA) | 0.6963% | 3,503 |
| Pretax return on assets | 0.8358% | 3,489 |
| Return on Equity (ROE) | 6.5968% | 3,289 |
| Retained earnings to average equity (ytd only) | 6.5968% | 1,828 |
| Net charge-offs to loans | 0.0010% | 2,995 |
| Credit loss provision to net charge-offs | 29,040.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,300.4000% | 65 |
| Efficiency ratio | 69.3663% | 2,037 |
| Assets per employee ($millions) | 6.8830% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,382 |
| Loan loss allowance to noncurrent loans | 204.7066% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 2,636 |
| Noncurrent loans to loans | 0.5063% | 2,631 |
| Net loans and leases to total assets | 80.9896% | 500 |
| Net loans and leases to deposits | 97.2642% | 708 |
| Net loans and leases to core deposits | 122.2540% | 373 |
| Total domestic deposits to total assets | 83.2677% | 3,004 |
| Equity capital to assets | 9.8371% | 3,335 |
| Core capital (leverage) ratio | 10.1645% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3333% | 2,471 |
| Memoranda: | ||
| Average total assets | $1,154,884,333 | 758 |
| Average earning assets | $1,080,525,000 | 741 |
| Average equity | $121,908,000 | 791 |
| Average total loans | $956,126,667 | 648 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 3,184 |
| Cost of funding earning assets | 0.8234% | 2,257 |
| Net interest margin | 3.3852% | 3,345 |
| Noninterest income to average assets | 0.4677% | 2,712 |
| Noninterest expense to average assets | 2.7521% | 2,572 |
| Loan and lease loss provision to assets | 0.0826% | 2,662 |
| Net operating income to assets | 0.6701% | 3,368 |
| Return on assets (ROA) | 0.6030% | 3,644 |
| Pretax return on assets | 0.7282% | 3,600 |
| Return on Equity (ROE) | 5.4972% | 3,474 |
| Retained earnings to average equity (ytd only) | 5.4972% | 2,068 |
| Net charge-offs to loans | -0.0004% | 3,586 |
| Credit loss provision to net charge-offs | -22,700.0000% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6124% | 1,609 |
| Assets per employee ($millions) | 6.0874% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,506 |
| Loan loss allowance to noncurrent loans | 130.7523% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 2,041 |
| Noncurrent loans to loans | 0.7931% | 2,025 |
| Net loans and leases to total assets | 81.5921% | 489 |
| Net loans and leases to deposits | 100.1525% | 549 |
| Net loans and leases to core deposits | 124.2477% | 362 |
| Total domestic deposits to total assets | 81.4679% | 3,552 |
| Equity capital to assets | 10.9643% | 2,892 |
| Core capital (leverage) ratio | 10.8762% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5658% | 2,452 |
| Memoranda: | ||
| Average total assets | $1,099,086,000 | 759 |
| Average earning assets | $1,029,899,500 | 743 |
| Average equity | $120,569,500 | 795 |
| Average total loans | $915,959,500 | 658 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 3,279 |
| Cost of funding earning assets | 0.9822% | 1,803 |
| Net interest margin | 3.4074% | 3,724 |
| Noninterest income to average assets | 0.4436% | 3,038 |
| Noninterest expense to average assets | 2.7723% | 2,686 |
| Loan and lease loss provision to assets | 0.0636% | 2,765 |
| Net operating income to assets | 0.6750% | 3,938 |
| Return on assets (ROA) | 0.6606% | 4,059 |
| Pretax return on assets | 0.7825% | 4,008 |
| Return on Equity (ROE) | 6.1857% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.1857% | 1,775 |
| Net charge-offs to loans | 0.0021% | 3,630 |
| Credit loss provision to net charge-offs | 3,589.4737% | 120 |
| Earnings coverage of net charge-offs (x) | 485.7895% | 193 |
| Efficiency ratio | 76.3218% | 1,326 |
| Assets per employee ($millions) | 6.0233% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,397 |
| Loan loss allowance to noncurrent loans | 119.8530% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 1,814 |
| Noncurrent loans to loans | 0.8492% | 1,815 |
| Net loans and leases to total assets | 83.3965% | 380 |
| Net loans and leases to deposits | 100.7412% | 545 |
| Net loans and leases to core deposits | 127.8833% | 308 |
| Total domestic deposits to total assets | 82.7829% | 3,276 |
| Equity capital to assets | 10.9758% | 3,015 |
| Core capital (leverage) ratio | 10.5874% | 2,869 |
| Tier 1 risk-based capital ratio | 12.4248% | 4,120 |
| Total risk-based capital ratio | 13.5078% | 4,083 |
| Memoranda: | ||
| Average total assets | $1,073,152,000 | 738 |
| Average earning assets | $1,004,284,200 | 726 |
| Average equity | $114,602,200 | 795 |
| Average total loans | $910,911,200 | 635 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 3,471 |
| Cost of funding earning assets | 1.0103% | 1,717 |
| Net interest margin | 3.3521% | 3,983 |
| Noninterest income to average assets | 0.4367% | 3,093 |
| Noninterest expense to average assets | 2.7159% | 2,822 |
| Loan and lease loss provision to assets | 0.0756% | 2,380 |
| Net operating income to assets | 0.6633% | 4,125 |
| Return on assets (ROA) | 0.6414% | 4,231 |
| Pretax return on assets | 0.7546% | 4,231 |
| Return on Equity (ROE) | 6.0484% | 4,033 |
| Retained earnings to average equity (ytd only) | 6.0484% | 2,352 |
| Net charge-offs to loans | 0.0029% | 3,314 |
| Credit loss provision to net charge-offs | 3,035.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 342.3487% | 285 |
| Efficiency ratio | 76.0994% | 1,321 |
| Assets per employee ($millions) | 6.1047% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,589 |
| Loan loss allowance to noncurrent loans | 48.8788% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.7166% | 587 |
| Noncurrent loans to loans | 2.0401% | 661 |
| Net loans and leases to total assets | 83.3057% | 416 |
| Net loans and leases to deposits | 100.7775% | 579 |
| Net loans and leases to core deposits | 133.6522% | 255 |
| Total domestic deposits to total assets | 82.6631% | 3,263 |
| Equity capital to assets | 10.6494% | 3,419 |
| Core capital (leverage) ratio | 10.5321% | 3,083 |
| Tier 1 risk-based capital ratio | 12.3282% | 4,246 |
| Total risk-based capital ratio | 13.4128% | 4,220 |
| Memoranda: | ||
| Average total assets | $1,070,393,500 | 742 |
| Average earning assets | $1,000,184,000 | 725 |
| Average equity | $113,503,250 | 799 |
| Average total loans | $910,271,500 | 637 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 3,568 |
| Cost of funding earning assets | 1.0120% | 1,634 |
| Net interest margin | 3.3114% | 4,116 |
| Noninterest income to average assets | 0.4321% | 3,050 |
| Noninterest expense to average assets | 2.7382% | 2,785 |
| Loan and lease loss provision to assets | 0.0854% | 2,139 |
| Net operating income to assets | 0.6033% | 4,298 |
| Return on assets (ROA) | 0.5982% | 4,350 |
| Pretax return on assets | 0.7034% | 4,322 |
| Return on Equity (ROE) | 5.6494% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.6494% | 2,447 |
| Net charge-offs to loans | -0.0002% | 3,861 |
| Credit loss provision to net charge-offs | -45,300.0000% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5701% | 1,210 |
| Assets per employee ($millions) | 5.8849% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 3,700 |
| Loan loss allowance to noncurrent loans | 47.3010% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.7742% | 574 |
| Noncurrent loans to loans | 2.0871% | 668 |
| Net loans and leases to total assets | 84.1677% | 345 |
| Net loans and leases to deposits | 102.9651% | 476 |
| Net loans and leases to core deposits | 137.9952% | 213 |
| Total domestic deposits to total assets | 81.7439% | 3,593 |
| Equity capital to assets | 10.5924% | 3,445 |
| Core capital (leverage) ratio | 10.5111% | 3,077 |
| Tier 1 risk-based capital ratio | 12.0560% | 4,383 |
| Total risk-based capital ratio | 13.1210% | 4,368 |
| Memoranda: | ||
| Average total assets | $1,060,910,000 | 745 |
| Average earning assets | $992,516,000 | 732 |
| Average equity | $112,331,000 | 802 |
| Average total loans | $905,488,670 | 638 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 3,474 |
| Cost of funding earning assets | 0.9887% | 1,612 |
| Net interest margin | 3.3396% | 4,062 |
| Noninterest income to average assets | 0.4015% | 3,170 |
| Noninterest expense to average assets | 2.7487% | 2,747 |
| Loan and lease loss provision to assets | 0.0865% | 1,979 |
| Net operating income to assets | 0.5836% | 4,290 |
| Return on assets (ROA) | 0.5962% | 4,289 |
| Pretax return on assets | 0.7090% | 4,279 |
| Return on Equity (ROE) | 5.6321% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.6321% | 2,619 |
| Net charge-offs to loans | -0.0004% | 3,791 |
| Credit loss provision to net charge-offs | -22,700.0000% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9579% | 1,270 |
| Assets per employee ($millions) | 6.0649% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,783 |
| Loan loss allowance to noncurrent loans | 223.7061% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 3,078 |
| Noncurrent loans to loans | 0.4415% | 2,998 |
| Net loans and leases to total assets | 84.6579% | 314 |
| Net loans and leases to deposits | 102.1930% | 488 |
| Net loans and leases to core deposits | 135.0541% | 245 |
| Total domestic deposits to total assets | 82.8412% | 3,446 |
| Equity capital to assets | 10.6975% | 3,165 |
| Core capital (leverage) ratio | 10.5621% | 2,983 |
| Tier 1 risk-based capital ratio | 12.2256% | 4,336 |
| Total risk-based capital ratio | 13.2962% | 4,327 |
| Memoranda: | ||
| Average total assets | $1,049,954,500 | 754 |
| Average earning assets | $982,276,500 | 738 |
| Average equity | $111,148,000 | 800 |
| Average total loans | $897,997,000 | 643 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 3,317 |
| Cost of funding earning assets | 0.7715% | 1,684 |
| Net interest margin | 3.4673% | 3,810 |
| Noninterest income to average assets | 0.4051% | 3,409 |
| Noninterest expense to average assets | 2.7288% | 2,936 |
| Loan and lease loss provision to assets | 0.1452% | 1,475 |
| Net operating income to assets | 0.6592% | 4,262 |
| Return on assets (ROA) | 0.6734% | 4,229 |
| Pretax return on assets | 0.7931% | 4,187 |
| Return on Equity (ROE) | 6.3068% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.3068% | 2,034 |
| Net charge-offs to loans | 0.2082% | 919 |
| Credit loss provision to net charge-offs | 82.0136% | 2,837 |
| Earnings coverage of net charge-offs (x) | 5.1957% | 3,213 |
| Efficiency ratio | 74.7894% | 1,524 |
| Assets per employee ($millions) | 6.1805% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,914 |
| Loan loss allowance to noncurrent loans | 215.6094% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 3,034 |
| Noncurrent loans to loans | 0.4454% | 2,940 |
| Net loans and leases to total assets | 84.7303% | 345 |
| Net loans and leases to deposits | 103.0537% | 533 |
| Net loans and leases to core deposits | 131.5767% | 294 |
| Total domestic deposits to total assets | 82.2196% | 3,584 |
| Equity capital to assets | 10.4746% | 3,217 |
| Core capital (leverage) ratio | 10.5344% | 2,985 |
| Tier 1 risk-based capital ratio | 12.1041% | 4,360 |
| Total risk-based capital ratio | 13.1641% | 4,372 |
| Memoranda: | ||
| Average total assets | $998,654,600 | 766 |
| Average earning assets | $934,171,800 | 753 |
| Average equity | $106,631,000 | 801 |
| Average total loans | $849,230,400 | 659 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 3,370 |
| Cost of funding earning assets | 0.7262% | 1,712 |
| Net interest margin | 3.4585% | 3,837 |
| Noninterest income to average assets | 0.4032% | 3,466 |
| Noninterest expense to average assets | 2.7359% | 2,858 |
| Loan and lease loss provision to assets | 0.1282% | 1,568 |
| Net operating income to assets | 0.6586% | 4,341 |
| Return on assets (ROA) | 0.6701% | 4,330 |
| Pretax return on assets | 0.7909% | 4,322 |
| Return on Equity (ROE) | 6.2445% | 4,191 |
| Retained earnings to average equity (ytd only) | 6.2445% | 2,525 |
| Net charge-offs to loans | 0.2822% | 592 |
| Credit loss provision to net charge-offs | 53.5291% | 2,800 |
| Earnings coverage of net charge-offs (x) | 3.7730% | 3,127 |
| Efficiency ratio | 75.1663% | 1,440 |
| Assets per employee ($millions) | 6.1405% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 4,120 |
| Loan loss allowance to noncurrent loans | 176.8879% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 2,893 |
| Noncurrent loans to loans | 0.5276% | 2,797 |
| Net loans and leases to total assets | 84.1351% | 443 |
| Net loans and leases to deposits | 103.6607% | 568 |
| Net loans and leases to core deposits | 137.6589% | 229 |
| Total domestic deposits to total assets | 81.1640% | 3,823 |
| Equity capital to assets | 10.4918% | 3,150 |
| Core capital (leverage) ratio | 10.6537% | 2,932 |
| Tier 1 risk-based capital ratio | 12.3564% | 4,278 |
| Total risk-based capital ratio | 13.4023% | 4,306 |
| Memoranda: | ||
| Average total assets | $985,647,250 | 776 |
| Average earning assets | $922,372,500 | 759 |
| Average equity | $105,775,000 | 805 |
| Average total loans | $836,817,750 | 663 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 3,242 |
| Cost of funding earning assets | 0.6793% | 1,746 |
| Net interest margin | 3.4802% | 3,702 |
| Noninterest income to average assets | 0.4052% | 3,448 |
| Noninterest expense to average assets | 2.7522% | 2,840 |
| Loan and lease loss provision to assets | 0.1329% | 1,486 |
| Net operating income to assets | 0.6641% | 4,308 |
| Return on assets (ROA) | 0.6578% | 4,331 |
| Pretax return on assets | 0.7740% | 4,324 |
| Return on Equity (ROE) | 6.0816% | 4,200 |
| Retained earnings to average equity (ytd only) | 6.0816% | 2,507 |
| Net charge-offs to loans | 0.4303% | 359 |
| Credit loss provision to net charge-offs | 36.3739% | 2,591 |
| Earnings coverage of net charge-offs (x) | 2.4972% | 2,967 |
| Efficiency ratio | 75.1066% | 1,544 |
| Assets per employee ($millions) | 5.8642% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 4,195 |
| Loan loss allowance to noncurrent loans | 169.8220% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 2,883 |
| Noncurrent loans to loans | 0.5488% | 2,770 |
| Net loans and leases to total assets | 83.8932% | 469 |
| Net loans and leases to deposits | 105.2624% | 471 |
| Net loans and leases to core deposits | 135.2810% | 251 |
| Total domestic deposits to total assets | 79.6991% | 4,307 |
| Equity capital to assets | 10.7222% | 2,908 |
| Core capital (leverage) ratio | 10.7814% | 2,719 |
| Tier 1 risk-based capital ratio | 12.4228% | 4,234 |
| Total risk-based capital ratio | 13.4574% | 4,247 |
| Memoranda: | ||
| Average total assets | $972,374,330 | 787 |
| Average earning assets | $910,643,000 | 770 |
| Average equity | $105,170,000 | 810 |
| Average total loans | $825,455,330 | 666 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 2,972 |
| Cost of funding earning assets | 0.6393% | 1,781 |
| Net interest margin | 3.5342% | 3,409 |
| Noninterest income to average assets | 0.4037% | 3,437 |
| Noninterest expense to average assets | 2.7542% | 2,862 |
| Loan and lease loss provision to assets | 0.1229% | 1,534 |
| Net operating income to assets | 0.7036% | 4,087 |
| Return on assets (ROA) | 0.6928% | 4,134 |
| Pretax return on assets | 0.8224% | 4,097 |
| Return on Equity (ROE) | 6.3771% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.3771% | 2,555 |
| Net charge-offs to loans | 0.7794% | 185 |
| Credit loss provision to net charge-offs | 18.5580% | 2,130 |
| Earnings coverage of net charge-offs (x) | 1.4433% | 2,557 |
| Efficiency ratio | 74.2304% | 1,868 |
| Assets per employee ($millions) | 5.8843% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 4,322 |
| Loan loss allowance to noncurrent loans | 264.1353% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 3,654 |
| Noncurrent loans to loans | 0.3510% | 3,516 |
| Net loans and leases to total assets | 84.2315% | 418 |
| Net loans and leases to deposits | 104.8952% | 436 |
| Net loans and leases to core deposits | 180.0452% | 49 |
| Total domestic deposits to total assets | 80.3006% | 4,364 |
| Equity capital to assets | 10.8120% | 2,761 |
| Core capital (leverage) ratio | 10.8614% | 2,576 |
| Tier 1 risk-based capital ratio | 12.5005% | 4,237 |
| Total risk-based capital ratio | 13.5383% | 4,278 |
| Memoranda: | ||
| Average total assets | $963,040,500 | 795 |
| Average earning assets | $901,022,000 | 779 |
| Average equity | $104,624,000 | 816 |
| Average total loans | $818,563,500 | 674 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 3,021 |
| Cost of funding earning assets | 0.6148% | 1,507 |
| Net interest margin | 3.4962% | 3,548 |
| Noninterest income to average assets | 0.4067% | 3,593 |
| Noninterest expense to average assets | 2.7637% | 2,909 |
| Loan and lease loss provision to assets | 0.1450% | 1,571 |
| Net operating income to assets | 0.2799% | 4,965 |
| Return on assets (ROA) | 0.2949% | 4,951 |
| Pretax return on assets | 0.7692% | 4,338 |
| Return on Equity (ROE) | 2.6705% | 4,915 |
| Retained earnings to average equity (ytd only) | 2.6705% | 3,717 |
| Net charge-offs to loans | 0.0256% | 3,292 |
| Credit loss provision to net charge-offs | 669.1176% | 485 |
| Earnings coverage of net charge-offs (x) | 40.9363% | 1,251 |
| Efficiency ratio | 75.7048% | 1,667 |
| Assets per employee ($millions) | 5.9328% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,339 |
| Loan loss allowance to noncurrent loans | 120.3900% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 2,004 |
| Noncurrent loans to loans | 0.9160% | 1,949 |
| Net loans and leases to total assets | 84.0386% | 441 |
| Net loans and leases to deposits | 102.2011% | 590 |
| Net loans and leases to core deposits | 171.9602% | 61 |
| Total domestic deposits to total assets | 82.2287% | 3,810 |
| Equity capital to assets | 10.9167% | 2,715 |
| Core capital (leverage) ratio | 10.6230% | 2,714 |
| Tier 1 risk-based capital ratio | 12.4555% | 4,234 |
| Total risk-based capital ratio | 13.6672% | 4,159 |
| Memoranda: | ||
| Average total assets | $941,580,200 | 789 |
| Average earning assets | $873,642,000 | 774 |
| Average equity | $103,988,200 | 790 |
| Average total loans | $796,485,200 | 658 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 3,025 |
| Cost of funding earning assets | 0.6142% | 1,435 |
| Net interest margin | 3.4742% | 3,590 |
| Noninterest income to average assets | 0.4165% | 3,580 |
| Noninterest expense to average assets | 2.6949% | 3,084 |
| Loan and lease loss provision to assets | 0.1715% | 1,174 |
| Net operating income to assets | 0.5755% | 4,482 |
| Return on assets (ROA) | 0.6004% | 4,434 |
| Pretax return on assets | 0.8051% | 4,335 |
| Return on Equity (ROE) | 5.4209% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.4209% | 2,589 |
| Net charge-offs to loans | 0.0246% | 2,957 |
| Credit loss provision to net charge-offs | 826.7123% | 425 |
| Earnings coverage of net charge-offs (x) | 45.3155% | 1,194 |
| Efficiency ratio | 74.1350% | 1,874 |
| Assets per employee ($millions) | 6.1449% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 3,634 |
| Loan loss allowance to noncurrent loans | 104.3258% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.4178% | 1,096 |
| Noncurrent loans to loans | 1.0307% | 1,880 |
| Net loans and leases to total assets | 84.4019% | 399 |
| Net loans and leases to deposits | 105.5615% | 436 |
| Net loans and leases to core deposits | 182.0585% | 49 |
| Total domestic deposits to total assets | 79.9552% | 4,324 |
| Equity capital to assets | 10.9994% | 2,862 |
| Core capital (leverage) ratio | 10.6804% | 2,787 |
| Tier 1 risk-based capital ratio | 12.8997% | 4,080 |
| Total risk-based capital ratio | 14.1351% | 3,996 |
| Memoranda: | ||
| Average total assets | $938,180,500 | 794 |
| Average earning assets | $869,169,750 | 784 |
| Average equity | $103,916,750 | 788 |
| Average total loans | $792,689,000 | 662 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 2,988 |
| Cost of funding earning assets | 0.5919% | 1,498 |
| Net interest margin | 3.4647% | 3,525 |
| Noninterest income to average assets | 0.4089% | 3,631 |
| Noninterest expense to average assets | 2.6903% | 3,121 |
| Loan and lease loss provision to assets | 0.1838% | 1,025 |
| Net operating income to assets | 0.5621% | 4,463 |
| Return on assets (ROA) | 0.5849% | 4,424 |
| Pretax return on assets | 0.7782% | 4,347 |
| Return on Equity (ROE) | 5.2683% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.2683% | 2,538 |
| Net charge-offs to loans | 0.0153% | 2,939 |
| Credit loss provision to net charge-offs | 1,423.3333% | 305 |
| Earnings coverage of net charge-offs (x) | 71.9167% | 826 |
| Efficiency ratio | 74.3399% | 1,954 |
| Assets per employee ($millions) | 5.9134% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,836 |
| Loan loss allowance to noncurrent loans | 101.1429% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 1,097 |
| Noncurrent loans to loans | 1.0411% | 1,889 |
| Net loans and leases to total assets | 84.1987% | 424 |
| Net loans and leases to deposits | 105.5943% | 410 |
| Net loans and leases to core deposits | 190.6689% | 49 |
| Total domestic deposits to total assets | 79.7379% | 4,473 |
| Equity capital to assets | 10.9268% | 2,897 |
| Core capital (leverage) ratio | 10.7382% | 2,665 |
| Tier 1 risk-based capital ratio | 12.8734% | 4,078 |
| Total risk-based capital ratio | 14.0871% | 4,008 |
| Memoranda: | ||
| Average total assets | $929,321,670 | 809 |
| Average earning assets | $861,016,000 | 798 |
| Average equity | $103,183,330 | 796 |
| Average total loans | $782,544,000 | 674 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 3,102 |
| Cost of funding earning assets | 0.5677% | 1,601 |
| Net interest margin | 3.4160% | 3,597 |
| Noninterest income to average assets | 0.4302% | 3,443 |
| Noninterest expense to average assets | 2.7025% | 3,131 |
| Loan and lease loss provision to assets | 0.1552% | 1,172 |
| Net operating income to assets | 0.5370% | 4,434 |
| Return on assets (ROA) | 0.6037% | 4,198 |
| Pretax return on assets | 0.8275% | 4,010 |
| Return on Equity (ROE) | 5.3926% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.3926% | 2,669 |
| Net charge-offs to loans | 0.0198% | 2,391 |
| Credit loss provision to net charge-offs | 934.2105% | 348 |
| Earnings coverage of net charge-offs (x) | 53.5526% | 861 |
| Efficiency ratio | 75.2343% | 2,032 |
| Assets per employee ($millions) | 5.9117% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 4,121 |
| Loan loss allowance to noncurrent loans | 83.5687% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.6102% | 966 |
| Noncurrent loans to loans | 1.2284% | 1,648 |
| Net loans and leases to total assets | 84.2162% | 344 |
| Net loans and leases to deposits | 106.8722% | 290 |
| Net loans and leases to core deposits | 186.2988% | 46 |
| Total domestic deposits to total assets | 78.8008% | 4,863 |
| Equity capital to assets | 11.1094% | 2,521 |
| Core capital (leverage) ratio | 11.0449% | 2,314 |
| Tier 1 risk-based capital ratio | 13.0034% | 4,076 |
| Total risk-based capital ratio | 14.1843% | 4,013 |
| Memoranda: | ||
| Average total assets | $914,996,500 | 825 |
| Average earning assets | $846,955,500 | 826 |
| Average equity | $102,437,000 | 799 |
| Average total loans | $766,224,000 | 690 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 3,088 |
| Cost of funding earning assets | 0.5313% | 1,860 |
| Net interest margin | 3.5003% | 3,430 |
| Noninterest income to average assets | 0.4266% | 3,703 |
| Noninterest expense to average assets | 2.7703% | 3,118 |
| Loan and lease loss provision to assets | 0.0715% | 2,928 |
| Net operating income to assets | 0.6144% | 4,149 |
| Return on assets (ROA) | 0.6511% | 4,110 |
| Pretax return on assets | 0.8604% | 3,973 |
| Return on Equity (ROE) | 5.8085% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.8085% | 1,818 |
| Net charge-offs to loans | 0.0769% | 2,593 |
| Credit loss provision to net charge-offs | 113.4409% | 2,319 |
| Earnings coverage of net charge-offs (x) | 14.0054% | 2,325 |
| Efficiency ratio | 75.7946% | 2,014 |
| Assets per employee ($millions) | 5.7443% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 4,020 |
| Loan loss allowance to noncurrent loans | 83.9983% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.6098% | 989 |
| Noncurrent loans to loans | 1.2487% | 1,643 |
| Net loans and leases to total assets | 81.4885% | 669 |
| Net loans and leases to deposits | 102.2136% | 522 |
| Net loans and leases to core deposits | 180.0156% | 49 |
| Total domestic deposits to total assets | 79.7237% | 4,625 |
| Equity capital to assets | 11.2838% | 2,340 |
| Core capital (leverage) ratio | 11.0075% | 2,326 |
| Tier 1 risk-based capital ratio | 13.4717% | 3,787 |
| Total risk-based capital ratio | 14.6753% | 3,718 |
| Memoranda: | ||
| Average total assets | $885,434,200 | 821 |
| Average earning assets | $816,126,200 | 818 |
| Average equity | $99,251,000 | 795 |
| Average total loans | $725,368,400 | 695 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,115 |
| Cost of funding earning assets | 0.5263% | 1,899 |
| Net interest margin | 3.5022% | 3,461 |
| Noninterest income to average assets | 0.3980% | 3,934 |
| Noninterest expense to average assets | 2.7322% | 3,247 |
| Loan and lease loss provision to assets | 0.0725% | 2,763 |
| Net operating income to assets | 0.6285% | 4,170 |
| Return on assets (ROA) | 0.6558% | 4,174 |
| Pretax return on assets | 0.8546% | 4,141 |
| Return on Equity (ROE) | 5.8606% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.8606% | 2,263 |
| Net charge-offs to loans | 0.1050% | 1,893 |
| Credit loss provision to net charge-offs | 84.3310% | 2,613 |
| Earnings coverage of net charge-offs (x) | 10.3592% | 2,578 |
| Efficiency ratio | 75.3675% | 2,054 |
| Assets per employee ($millions) | 5.8714% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 4,328 |
| Loan loss allowance to noncurrent loans | 199.8952% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 2,040 |
| Noncurrent loans to loans | 0.5072% | 3,477 |
| Net loans and leases to total assets | 80.7663% | 789 |
| Net loans and leases to deposits | 101.4432% | 613 |
| Net loans and leases to core deposits | 182.1491% | 53 |
| Total domestic deposits to total assets | 79.6172% | 4,589 |
| Equity capital to assets | 10.9624% | 3,054 |
| Core capital (leverage) ratio | 10.9004% | 2,564 |
| Tier 1 risk-based capital ratio | 13.0350% | 4,138 |
| Total risk-based capital ratio | 14.2105% | 4,097 |
| Memoranda: | ||
| Average total assets | $881,328,500 | 823 |
| Average earning assets | $811,402,000 | 822 |
| Average equity | $98,622,750 | 802 |
| Average total loans | $721,035,500 | 696 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,089 |
| Cost of funding earning assets | 0.5262% | 1,891 |
| Net interest margin | 3.5171% | 3,425 |
| Noninterest income to average assets | 0.4406% | 3,585 |
| Noninterest expense to average assets | 2.7505% | 3,196 |
| Loan and lease loss provision to assets | 0.1152% | 1,961 |
| Net operating income to assets | 0.6414% | 4,088 |
| Return on assets (ROA) | 0.6379% | 4,250 |
| Pretax return on assets | 0.8098% | 4,245 |
| Return on Equity (ROE) | 5.6598% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.6598% | 2,328 |
| Net charge-offs to loans | 0.1219% | 1,619 |
| Credit loss provision to net charge-offs | 115.4734% | 1,913 |
| Earnings coverage of net charge-offs (x) | 9.3118% | 2,429 |
| Efficiency ratio | 74.6540% | 2,265 |
| Assets per employee ($millions) | 5.7205% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 4,069 |
| Loan loss allowance to noncurrent loans | 173.2799% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.3146% | 1,535 |
| Noncurrent loans to loans | 0.6220% | 3,206 |
| Net loans and leases to total assets | 81.0781% | 736 |
| Net loans and leases to deposits | 102.8667% | 515 |
| Net loans and leases to core deposits | 174.4502% | 61 |
| Total domestic deposits to total assets | 78.8187% | 4,825 |
| Equity capital to assets | 11.3335% | 2,711 |
| Core capital (leverage) ratio | 11.1930% | 2,242 |
| Tier 1 risk-based capital ratio | 13.3178% | 4,001 |
| Total risk-based capital ratio | 14.5716% | 3,923 |
| Memoranda: | ||
| Average total assets | $867,835,670 | 840 |
| Average earning assets | $799,245,330 | 831 |
| Average equity | $97,813,000 | 809 |
| Average total loans | $710,669,000 | 702 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 3,134 |
| Cost of funding earning assets | 0.5385% | 1,802 |
| Net interest margin | 3.4857% | 3,528 |
| Noninterest income to average assets | 0.4175% | 3,701 |
| Noninterest expense to average assets | 2.7550% | 3,224 |
| Loan and lease loss provision to assets | 0.1389% | 1,510 |
| Net operating income to assets | 0.5638% | 4,350 |
| Return on assets (ROA) | 0.5898% | 4,344 |
| Pretax return on assets | 0.7733% | 4,288 |
| Return on Equity (ROE) | 5.2481% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.2481% | 2,784 |
| Net charge-offs to loans | 0.2553% | 813 |
| Credit loss provision to net charge-offs | 66.4444% | 1,932 |
| Earnings coverage of net charge-offs (x) | 4.2067% | 2,457 |
| Efficiency ratio | 75.7061% | 2,218 |
| Assets per employee ($millions) | 6.1171% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 4,123 |
| Loan loss allowance to noncurrent loans | 164.6854% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 1.3642% | 1,551 |
| Noncurrent loans to loans | 0.6604% | 3,193 |
| Net loans and leases to total assets | 80.3224% | 768 |
| Net loans and leases to deposits | 99.8988% | 627 |
| Net loans and leases to core deposits | 170.6656% | 59 |
| Total domestic deposits to total assets | 80.4038% | 4,660 |
| Equity capital to assets | 11.4260% | 2,509 |
| Core capital (leverage) ratio | 11.1337% | 2,277 |
| Tier 1 risk-based capital ratio | 13.6467% | 3,902 |
| Total risk-based capital ratio | 14.9018% | 3,828 |
| Memoranda: | ||
| Average total assets | $861,271,500 | 849 |
| Average earning assets | $794,791,500 | 839 |
| Average equity | $96,797,500 | 816 |
| Average total loans | $704,978,000 | 702 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,000 |
| Cost of funding earning assets | 0.5903% | 1,433 |
| Net interest margin | 3.4897% | 3,558 |
| Noninterest income to average assets | 0.2285% | 5,228 |
| Noninterest expense to average assets | 2.6755% | 3,668 |
| Loan and lease loss provision to assets | 0.1132% | 2,114 |
| Net operating income to assets | 0.5020% | 4,687 |
| Return on assets (ROA) | 0.7112% | 3,866 |
| Pretax return on assets | 0.9268% | 3,740 |
| Return on Equity (ROE) | 6.4105% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.4105% | 1,594 |
| Net charge-offs to loans | 0.0577% | 3,066 |
| Credit loss provision to net charge-offs | 239.5990% | 1,190 |
| Earnings coverage of net charge-offs (x) | 16.2857% | 2,146 |
| Efficiency ratio | 77.5321% | 2,046 |
| Assets per employee ($millions) | 6.5125% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 4,156 |
| Loan loss allowance to noncurrent loans | 70.7733% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4620% | 1,403 |
| Noncurrent loans to loans | 1.5256% | 1,525 |
| Net loans and leases to total assets | 81.6026% | 630 |
| Net loans and leases to deposits | 102.4411% | 520 |
| Net loans and leases to core deposits | 190.3014% | 47 |
| Total domestic deposits to total assets | 79.6581% | 4,826 |
| Equity capital to assets | 11.0539% | 2,769 |
| Core capital (leverage) ratio | 10.8536% | 2,558 |
| Tier 1 risk-based capital ratio | 13.2381% | 4,145 |
| Total risk-based capital ratio | 14.4804% | 4,087 |
| Memoranda: | ||
| Average total assets | $844,266,200 | 822 |
| Average earning assets | $778,207,400 | 814 |
| Average equity | $93,658,200 | 811 |
| Average total loans | $692,099,000 | 671 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 3,049 |
| Cost of funding earning assets | 0.6065% | 1,370 |
| Net interest margin | 3.4666% | 3,686 |
| Noninterest income to average assets | 0.1742% | 5,605 |
| Noninterest expense to average assets | 2.6205% | 3,800 |
| Loan and lease loss provision to assets | 0.1070% | 2,091 |
| Net operating income to assets | 0.4985% | 4,794 |
| Return on assets (ROA) | 0.7110% | 3,961 |
| Pretax return on assets | 0.9081% | 3,958 |
| Return on Equity (ROE) | 6.4033% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.4033% | 2,015 |
| Net charge-offs to loans | 0.0738% | 2,503 |
| Credit loss provision to net charge-offs | 177.1053% | 1,487 |
| Earnings coverage of net charge-offs (x) | 12.2948% | 2,416 |
| Efficiency ratio | 77.7862% | 1,970 |
| Assets per employee ($millions) | 6.4985% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 4,463 |
| Loan loss allowance to noncurrent loans | 146.2988% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 2,620 |
| Noncurrent loans to loans | 0.7181% | 3,181 |
| Net loans and leases to total assets | 81.8135% | 596 |
| Net loans and leases to deposits | 103.6342% | 463 |
| Net loans and leases to core deposits | 178.9041% | 50 |
| Total domestic deposits to total assets | 78.9445% | 4,990 |
| Equity capital to assets | 11.0184% | 3,007 |
| Core capital (leverage) ratio | 10.9088% | 2,584 |
| Tier 1 risk-based capital ratio | 13.0378% | 4,408 |
| Total risk-based capital ratio | 14.2607% | 4,348 |
| Memoranda: | ||
| Average total assets | $838,793,750 | 834 |
| Average earning assets | $771,619,250 | 827 |
| Average equity | $93,136,750 | 819 |
| Average total loans | $686,493,500 | 676 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 2,949 |
| Cost of funding earning assets | 0.6394% | 1,172 |
| Net interest margin | 3.4459% | 3,734 |
| Noninterest income to average assets | 0.1365% | 5,878 |
| Noninterest expense to average assets | 2.5906% | 3,935 |
| Loan and lease loss provision to assets | 0.1043% | 2,090 |
| Net operating income to assets | 0.4786% | 4,857 |
| Return on assets (ROA) | 0.7131% | 3,946 |
| Pretax return on assets | 0.9106% | 3,913 |
| Return on Equity (ROE) | 6.4050% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.4050% | 1,998 |
| Net charge-offs to loans | 0.0124% | 3,485 |
| Credit loss provision to net charge-offs | 1,033.3333% | 343 |
| Earnings coverage of net charge-offs (x) | 70.7857% | 769 |
| Efficiency ratio | 78.2422% | 2,032 |
| Assets per employee ($millions) | 6.0423% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 4,357 |
| Loan loss allowance to noncurrent loans | 92.5018% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.2584% | 1,990 |
| Noncurrent loans to loans | 1.1827% | 2,288 |
| Net loans and leases to total assets | 81.2708% | 639 |
| Net loans and leases to deposits | 103.0490% | 499 |
| Net loans and leases to core deposits | 177.5183% | 57 |
| Total domestic deposits to total assets | 78.8662% | 5,120 |
| Equity capital to assets | 11.1275% | 2,747 |
| Core capital (leverage) ratio | 10.7883% | 2,627 |
| Tier 1 risk-based capital ratio | 13.0321% | 4,501 |
| Total risk-based capital ratio | 14.3402% | 4,382 |
| Memoranda: | ||
| Average total assets | $832,458,330 | 845 |
| Average earning assets | $765,422,670 | 837 |
| Average equity | $92,677,000 | 828 |
| Average total loans | $678,909,000 | 683 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,114 |
| Cost of funding earning assets | 0.6449% | 1,154 |
| Net interest margin | 3.3876% | 3,895 |
| Noninterest income to average assets | 0.5058% | 3,251 |
| Noninterest expense to average assets | 2.6083% | 3,893 |
| Loan and lease loss provision to assets | 0.2013% | 921 |
| Net operating income to assets | 0.6125% | 4,232 |
| Return on assets (ROA) | 0.8355% | 3,206 |
| Pretax return on assets | 1.1034% | 3,058 |
| Return on Equity (ROE) | 7.5027% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.5027% | 1,761 |
| Net charge-offs to loans | 0.0214% | 2,720 |
| Credit loss provision to net charge-offs | 1,158.3333% | 301 |
| Earnings coverage of net charge-offs (x) | 58.1944% | 758 |
| Efficiency ratio | 71.9163% | 3,183 |
| Assets per employee ($millions) | 6.3885% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 4,577 |
| Loan loss allowance to noncurrent loans | 79.9046% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.5883% | 1,619 |
| Noncurrent loans to loans | 1.3618% | 2,111 |
| Net loans and leases to total assets | 80.6515% | 612 |
| Net loans and leases to deposits | 105.7168% | 323 |
| Net loans and leases to core deposits | 178.7504% | 57 |
| Total domestic deposits to total assets | 76.2902% | 5,704 |
| Equity capital to assets | 10.9558% | 3,020 |
| Core capital (leverage) ratio | 10.8079% | 2,618 |
| Tier 1 risk-based capital ratio | 13.0478% | 4,576 |
| Total risk-based capital ratio | 14.4004% | 4,436 |
| Memoranda: | ||
| Average total assets | $828,745,000 | 850 |
| Average earning assets | $761,727,000 | 847 |
| Average equity | $92,286,500 | 834 |
| Average total loans | $673,298,000 | 689 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,674 |
| Cost of funding earning assets | 0.7502% | 844 |
| Net interest margin | 3.5320% | 3,675 |
| Noninterest income to average assets | 0.5555% | 3,145 |
| Noninterest expense to average assets | 2.6544% | 4,030 |
| Loan and lease loss provision to assets | 0.1910% | 1,342 |
| Net operating income to assets | 0.7290% | 3,744 |
| Return on assets (ROA) | 0.7569% | 3,695 |
| Pretax return on assets | 0.9760% | 3,591 |
| Return on Equity (ROE) | 6.6502% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.6502% | 1,570 |
| Net charge-offs to loans | 0.2200% | 1,905 |
| Credit loss provision to net charge-offs | 106.8941% | 2,239 |
| Earnings coverage of net charge-offs (x) | 6.3305% | 3,223 |
| Efficiency ratio | 69.9108% | 3,543 |
| Assets per employee ($millions) | 6.2622% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 4,562 |
| Loan loss allowance to noncurrent loans | 89.6992% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.4935% | 1,834 |
| Noncurrent loans to loans | 1.2206% | 2,408 |
| Net loans and leases to total assets | 80.0460% | 738 |
| Net loans and leases to deposits | 102.2605% | 502 |
| Net loans and leases to core deposits | 173.3018% | 63 |
| Total domestic deposits to total assets | 78.2765% | 5,380 |
| Equity capital to assets | 11.3249% | 2,583 |
| Core capital (leverage) ratio | 10.9326% | 2,463 |
| Tier 1 risk-based capital ratio | 12.9313% | 4,769 |
| Total risk-based capital ratio | 14.2804% | 4,623 |
| Memoranda: | ||
| Average total assets | $787,418,400 | 861 |
| Average earning assets | $720,099,000 | 851 |
| Average equity | $89,621,400 | 819 |
| Average total loans | $639,596,200 | 683 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3145% | 2,564 |
| Cost of funding earning assets | 0.7599% | 850 |
| Net interest margin | 3.5546% | 3,609 |
| Noninterest income to average assets | 0.5539% | 3,180 |
| Noninterest expense to average assets | 2.6122% | 4,158 |
| Loan and lease loss provision to assets | 0.2251% | 1,004 |
| Net operating income to assets | 0.7164% | 3,859 |
| Return on assets (ROA) | 0.7652% | 3,691 |
| Pretax return on assets | 1.0256% | 3,492 |
| Return on Equity (ROE) | 6.7147% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.7147% | 1,974 |
| Net charge-offs to loans | 0.1769% | 2,036 |
| Credit loss provision to net charge-offs | 156.5166% | 1,529 |
| Earnings coverage of net charge-offs (x) | 8.2429% | 2,834 |
| Efficiency ratio | 68.5694% | 3,752 |
| Assets per employee ($millions) | 5.9651% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 4,428 |
| Loan loss allowance to noncurrent loans | 103.9008% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.4091% | 2,194 |
| Noncurrent loans to loans | 1.1192% | 2,822 |
| Net loans and leases to total assets | 80.1553% | 704 |
| Net loans and leases to deposits | 104.2326% | 388 |
| Net loans and leases to core deposits | 164.9862% | 70 |
| Total domestic deposits to total assets | 76.9004% | 5,688 |
| Equity capital to assets | 11.4643% | 2,516 |
| Core capital (leverage) ratio | 10.9185% | 2,565 |
| Tier 1 risk-based capital ratio | 12.7136% | 5,033 |
| Total risk-based capital ratio | 14.0582% | 4,885 |
| Memoranda: | ||
| Average total assets | $782,317,500 | 867 |
| Average earning assets | $713,951,500 | 862 |
| Average equity | $89,155,500 | 825 |
| Average total loans | $636,048,500 | 681 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 2,672 |
| Cost of funding earning assets | 0.7716% | 823 |
| Net interest margin | 3.5067% | 3,761 |
| Noninterest income to average assets | 0.5457% | 3,163 |
| Noninterest expense to average assets | 2.5752% | 4,330 |
| Loan and lease loss provision to assets | 0.2382% | 949 |
| Net operating income to assets | 0.7026% | 3,827 |
| Return on assets (ROA) | 0.7772% | 3,540 |
| Pretax return on assets | 1.0290% | 3,358 |
| Return on Equity (ROE) | 6.8336% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.8336% | 1,851 |
| Net charge-offs to loans | 0.2288% | 1,670 |
| Credit loss provision to net charge-offs | 127.9391% | 1,628 |
| Earnings coverage of net charge-offs (x) | 6.2794% | 2,795 |
| Efficiency ratio | 68.5626% | 3,910 |
| Assets per employee ($millions) | 5.7708% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 4,793 |
| Loan loss allowance to noncurrent loans | 92.4281% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.5009% | 2,175 |
| Noncurrent loans to loans | 1.2176% | 2,799 |
| Net loans and leases to total assets | 80.7104% | 601 |
| Net loans and leases to deposits | 105.9370% | 307 |
| Net loans and leases to core deposits | 166.0282% | 63 |
| Total domestic deposits to total assets | 76.1871% | 5,894 |
| Equity capital to assets | 11.4373% | 2,478 |
| Core capital (leverage) ratio | 10.7918% | 2,631 |
| Tier 1 risk-based capital ratio | 12.5169% | 5,219 |
| Total risk-based capital ratio | 13.8290% | 5,106 |
| Memoranda: | ||
| Average total assets | $776,648,330 | 873 |
| Average earning assets | $708,422,670 | 867 |
| Average equity | $88,328,330 | 827 |
| Average total loans | $631,985,000 | 679 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 2,470 |
| Cost of funding earning assets | 0.7827% | 819 |
| Net interest margin | 3.5317% | 3,560 |
| Noninterest income to average assets | 0.5550% | 3,015 |
| Noninterest expense to average assets | 2.8391% | 3,421 |
| Loan and lease loss provision to assets | 0.1689% | 1,428 |
| Net operating income to assets | 0.5817% | 4,286 |
| Return on assets (ROA) | 0.7972% | 3,245 |
| Pretax return on assets | 1.0566% | 3,102 |
| Return on Equity (ROE) | 7.0302% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.0302% | 2,037 |
| Net charge-offs to loans | 0.1977% | 1,548 |
| Credit loss provision to net charge-offs | 105.1780% | 1,590 |
| Earnings coverage of net charge-offs (x) | 5.8414% | 2,321 |
| Efficiency ratio | 74.9450% | 2,979 |
| Assets per employee ($millions) | 5.7487% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 4,934 |
| Loan loss allowance to noncurrent loans | 79.8218% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6867% | 2,090 |
| Noncurrent loans to loans | 1.4259% | 2,646 |
| Net loans and leases to total assets | 79.7995% | 571 |
| Net loans and leases to deposits | 103.5555% | 310 |
| Net loans and leases to core deposits | 158.9154% | 76 |
| Total domestic deposits to total assets | 77.0597% | 5,958 |
| Equity capital to assets | 11.4370% | 2,303 |
| Core capital (leverage) ratio | 10.7515% | 2,651 |
| Tier 1 risk-based capital ratio | 12.6579% | 5,217 |
| Total risk-based capital ratio | 13.9557% | 5,121 |
| Memoranda: | ||
| Average total assets | $769,669,500 | 883 |
| Average earning assets | $702,204,000 | 882 |
| Average equity | $87,280,500 | 840 |
| Average total loans | $625,295,500 | 685 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 2,520 |
| Cost of funding earning assets | 0.8950% | 759 |
| Net interest margin | 3.5232% | 3,793 |
| Noninterest income to average assets | 0.4697% | 3,963 |
| Noninterest expense to average assets | 2.8800% | 3,430 |
| Loan and lease loss provision to assets | 0.2624% | 1,354 |
| Net operating income to assets | 0.4117% | 5,110 |
| Return on assets (ROA) | 0.5129% | 4,805 |
| Pretax return on assets | 0.6263% | 4,783 |
| Return on Equity (ROE) | 4.6593% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.6593% | 2,843 |
| Net charge-offs to loans | 0.2055% | 2,824 |
| Credit loss provision to net charge-offs | 156.1709% | 1,482 |
| Earnings coverage of net charge-offs (x) | 4.5546% | 3,534 |
| Efficiency ratio | 77.4978% | 2,543 |
| Assets per employee ($millions) | 5.8259% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,034 |
| Loan loss allowance to noncurrent loans | 92.9813% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 2,425 |
| Noncurrent loans to loans | 1.2077% | 3,127 |
| Net loans and leases to total assets | 80.8486% | 507 |
| Net loans and leases to deposits | 108.3826% | 199 |
| Net loans and leases to core deposits | 160.4009% | 68 |
| Total domestic deposits to total assets | 74.5956% | 6,238 |
| Equity capital to assets | 11.2428% | 2,392 |
| Core capital (leverage) ratio | 10.7439% | 2,631 |
| Tier 1 risk-based capital ratio | 12.5870% | 5,237 |
| Total risk-based capital ratio | 13.9310% | 5,133 |
| Memoranda: | ||
| Average total assets | $752,328,200 | 887 |
| Average earning assets | $678,082,000 | 893 |
| Average equity | $82,822,800 | 860 |
| Average total loans | $615,082,400 | 679 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 2,439 |
| Cost of funding earning assets | 0.9150% | 760 |
| Net interest margin | 3.5321% | 3,749 |
| Noninterest income to average assets | 0.4405% | 4,217 |
| Noninterest expense to average assets | 2.9674% | 3,086 |
| Loan and lease loss provision to assets | 0.2803% | 1,242 |
| Net operating income to assets | 0.3138% | 5,568 |
| Return on assets (ROA) | 0.4560% | 5,142 |
| Pretax return on assets | 0.5302% | 5,269 |
| Return on Equity (ROE) | 4.1652% | 5,146 |
| Retained earnings to average equity (ytd only) | 4.1652% | 3,722 |
| Net charge-offs to loans | 0.1659% | 2,897 |
| Credit loss provision to net charge-offs | 206.7017% | 1,174 |
| Earnings coverage of net charge-offs (x) | 4.7569% | 3,363 |
| Efficiency ratio | 80.3611% | 2,047 |
| Assets per employee ($millions) | 5.3408% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 5,127 |
| Loan loss allowance to noncurrent loans | 94.5735% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 2,623 |
| Noncurrent loans to loans | 1.2145% | 3,389 |
| Net loans and leases to total assets | 81.2832% | 425 |
| Net loans and leases to deposits | 108.9759% | 168 |
| Net loans and leases to core deposits | 156.8571% | 77 |
| Total domestic deposits to total assets | 74.5883% | 6,321 |
| Equity capital to assets | 10.9625% | 2,790 |
| Core capital (leverage) ratio | 10.7947% | 2,677 |
| Tier 1 risk-based capital ratio | 12.4597% | 5,477 |
| Total risk-based capital ratio | 13.7715% | 5,389 |
| Memoranda: | ||
| Average total assets | $748,156,500 | 898 |
| Average earning assets | $671,882,500 | 903 |
| Average equity | $81,913,750 | 873 |
| Average total loans | $611,653,250 | 684 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 2,205 |
| Cost of funding earning assets | 0.9369% | 754 |
| Net interest margin | 3.5621% | 3,518 |
| Noninterest income to average assets | 0.3142% | 5,185 |
| Noninterest expense to average assets | 2.9946% | 3,016 |
| Loan and lease loss provision to assets | 0.3078% | 1,156 |
| Net operating income to assets | 0.1917% | 5,925 |
| Return on assets (ROA) | 0.3719% | 5,496 |
| Pretax return on assets | 0.3953% | 5,647 |
| Return on Equity (ROE) | 3.3986% | 5,470 |
| Retained earnings to average equity (ytd only) | 3.3986% | 4,154 |
| Net charge-offs to loans | 0.0984% | 3,379 |
| Credit loss provision to net charge-offs | 383.2776% | 682 |
| Earnings coverage of net charge-offs (x) | 6.3679% | 2,730 |
| Efficiency ratio | 83.4699% | 1,698 |
| Assets per employee ($millions) | 5.1312% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 5,141 |
| Loan loss allowance to noncurrent loans | 77.3646% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.7801% | 2,439 |
| Noncurrent loans to loans | 1.5145% | 3,028 |
| Net loans and leases to total assets | 81.0442% | 436 |
| Net loans and leases to deposits | 108.1752% | 180 |
| Net loans and leases to core deposits | 155.8580% | 81 |
| Total domestic deposits to total assets | 74.9194% | 6,368 |
| Equity capital to assets | 10.8967% | 2,853 |
| Core capital (leverage) ratio | 10.0933% | 3,382 |
| Tier 1 risk-based capital ratio | 11.9288% | 5,835 |
| Total risk-based capital ratio | 13.2318% | 5,751 |
| Memoranda: | ||
| Average total assets | $744,744,000 | 904 |
| Average earning assets | $667,309,000 | 905 |
| Average equity | $81,505,330 | 885 |
| Average total loans | $607,667,670 | 684 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5034% | 2,153 |
| Cost of funding earning assets | 0.9451% | 801 |
| Net interest margin | 3.5583% | 3,437 |
| Noninterest income to average assets | 0.8835% | 1,821 |
| Noninterest expense to average assets | 3.0856% | 2,721 |
| Loan and lease loss provision to assets | 0.3211% | 1,048 |
| Net operating income to assets | 0.5072% | 4,619 |
| Return on assets (ROA) | 0.6039% | 4,351 |
| Pretax return on assets | 0.7865% | 4,226 |
| Return on Equity (ROE) | 5.5058% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.5058% | 2,954 |
| Net charge-offs to loans | 0.1330% | 2,609 |
| Credit loss provision to net charge-offs | 296.5174% | 813 |
| Earnings coverage of net charge-offs (x) | 9.0697% | 1,887 |
| Efficiency ratio | 74.1756% | 3,235 |
| Assets per employee ($millions) | 4.9095% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,593 |
| Loan loss allowance to noncurrent loans | 71.2430% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 2.1219% | 2,216 |
| Noncurrent loans to loans | 1.5500% | 3,224 |
| Net loans and leases to total assets | 80.9589% | 354 |
| Net loans and leases to deposits | 107.5853% | 166 |
| Net loans and leases to core deposits | 155.7268% | 80 |
| Total domestic deposits to total assets | 75.2509% | 6,433 |
| Equity capital to assets | 11.0183% | 2,945 |
| Core capital (leverage) ratio | 9.9112% | 3,511 |
| Tier 1 risk-based capital ratio | 11.5945% | 6,134 |
| Total risk-based capital ratio | 12.8534% | 6,099 |
| Memoranda: | ||
| Average total assets | $742,539,500 | 910 |
| Average earning assets | $664,469,000 | 916 |
| Average equity | $81,441,500 | 901 |
| Average total loans | $604,330,000 | 688 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 2,151 |
| Cost of funding earning assets | 1.0375% | 1,178 |
| Net interest margin | 3.7729% | 3,348 |
| Noninterest income to average assets | 1.0037% | 1,524 |
| Noninterest expense to average assets | 3.0958% | 2,936 |
| Loan and lease loss provision to assets | 0.3690% | 1,774 |
| Net operating income to assets | 0.6873% | 3,798 |
| Return on assets (ROA) | 0.7014% | 3,985 |
| Pretax return on assets | 0.9409% | 3,776 |
| Return on Equity (ROE) | 6.4838% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.4838% | 1,832 |
| Net charge-offs to loans | 0.3477% | 2,898 |
| Credit loss provision to net charge-offs | 131.0958% | 2,135 |
| Earnings coverage of net charge-offs (x) | 4.5869% | 3,317 |
| Efficiency ratio | 68.9586% | 3,980 |
| Assets per employee ($millions) | 4.8289% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 5,709 |
| Loan loss allowance to noncurrent loans | 84.7478% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.9313% | 2,533 |
| Noncurrent loans to loans | 1.2537% | 3,745 |
| Net loans and leases to total assets | 80.0465% | 469 |
| Net loans and leases to deposits | 108.3977% | 182 |
| Net loans and leases to core deposits | 155.5548% | 91 |
| Total domestic deposits to total assets | 73.8452% | 6,543 |
| Equity capital to assets | 10.9171% | 3,049 |
| Core capital (leverage) ratio | 9.8066% | 3,649 |
| Tier 1 risk-based capital ratio | 11.6861% | 5,966 |
| Total risk-based capital ratio | 12.8417% | 5,999 |
| Memoranda: | ||
| Average total assets | $719,722,200 | 921 |
| Average earning assets | $645,397,000 | 933 |
| Average equity | $77,855,400 | 903 |
| Average total loans | $582,612,400 | 710 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 2,164 |
| Cost of funding earning assets | 1.0507% | 1,277 |
| Net interest margin | 3.8074% | 3,307 |
| Noninterest income to average assets | 1.0242% | 1,442 |
| Noninterest expense to average assets | 3.1457% | 2,734 |
| Loan and lease loss provision to assets | 0.4319% | 1,466 |
| Net operating income to assets | 0.6502% | 4,140 |
| Return on assets (ROA) | 0.6688% | 4,316 |
| Pretax return on assets | 0.8860% | 4,173 |
| Return on Equity (ROE) | 6.1969% | 4,232 |
| Retained earnings to average equity (ytd only) | 6.1969% | 2,566 |
| Net charge-offs to loans | 0.3750% | 2,600 |
| Credit loss provision to net charge-offs | 142.2604% | 2,027 |
| Earnings coverage of net charge-offs (x) | 4.2592% | 3,360 |
| Efficiency ratio | 69.2673% | 3,822 |
| Assets per employee ($millions) | 4.8398% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 5,827 |
| Loan loss allowance to noncurrent loans | 72.2466% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.5967% | 3,203 |
| Noncurrent loans to loans | 1.4810% | 3,573 |
| Net loans and leases to total assets | 80.5519% | 465 |
| Net loans and leases to deposits | 110.4150% | 151 |
| Net loans and leases to core deposits | 148.6959% | 114 |
| Total domestic deposits to total assets | 72.9538% | 6,680 |
| Equity capital to assets | 10.8405% | 3,452 |
| Core capital (leverage) ratio | 9.6572% | 4,037 |
| Tier 1 risk-based capital ratio | 11.4109% | 6,282 |
| Total risk-based capital ratio | 12.5804% | 6,303 |
| Memoranda: | ||
| Average total assets | $714,945,500 | 930 |
| Average earning assets | $641,183,500 | 946 |
| Average equity | $77,154,500 | 913 |
| Average total loans | $578,826,000 | 715 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 2,067 |
| Cost of funding earning assets | 1.0248% | 1,608 |
| Net interest margin | 3.8861% | 2,968 |
| Noninterest income to average assets | 1.0321% | 1,372 |
| Noninterest expense to average assets | 3.1173% | 2,867 |
| Loan and lease loss provision to assets | 0.4791% | 1,323 |
| Net operating income to assets | 0.6933% | 3,901 |
| Return on assets (ROA) | 0.6819% | 4,232 |
| Pretax return on assets | 0.9031% | 4,067 |
| Return on Equity (ROE) | 6.3285% | 4,143 |
| Retained earnings to average equity (ytd only) | 6.3285% | 2,487 |
| Net charge-offs to loans | 0.4268% | 2,332 |
| Credit loss provision to net charge-offs | 138.9025% | 1,988 |
| Earnings coverage of net charge-offs (x) | 4.0508% | 3,187 |
| Efficiency ratio | 67.4634% | 4,243 |
| Assets per employee ($millions) | 4.4854% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 5,878 |
| Loan loss allowance to noncurrent loans | 65.1525% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.7810% | 3,065 |
| Noncurrent loans to loans | 1.6515% | 3,426 |
| Net loans and leases to total assets | 79.3733% | 574 |
| Net loans and leases to deposits | 108.9326% | 166 |
| Net loans and leases to core deposits | 141.1916% | 142 |
| Total domestic deposits to total assets | 72.8646% | 6,758 |
| Equity capital to assets | 10.8240% | 3,315 |
| Core capital (leverage) ratio | 9.7835% | 3,737 |
| Tier 1 risk-based capital ratio | 11.5928% | 6,170 |
| Total risk-based capital ratio | 12.7122% | 6,216 |
| Memoranda: | ||
| Average total assets | $708,041,670 | 940 |
| Average earning assets | $634,462,330 | 955 |
| Average equity | $76,289,670 | 918 |
| Average total loans | $572,103,000 | 728 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 2,027 |
| Cost of funding earning assets | 1.0385% | 1,753 |
| Net interest margin | 3.9230% | 2,832 |
| Noninterest income to average assets | 0.9977% | 1,431 |
| Noninterest expense to average assets | 3.2052% | 2,576 |
| Loan and lease loss provision to assets | 0.5557% | 1,050 |
| Net operating income to assets | 0.5735% | 4,475 |
| Return on assets (ROA) | 0.5722% | 4,704 |
| Pretax return on assets | 0.7525% | 4,597 |
| Return on Equity (ROE) | 5.3232% | 4,632 |
| Retained earnings to average equity (ytd only) | 5.3232% | 3,367 |
| Net charge-offs to loans | 0.5998% | 1,590 |
| Credit loss provision to net charge-offs | 114.2690% | 2,071 |
| Earnings coverage of net charge-offs (x) | 2.6936% | 3,106 |
| Efficiency ratio | 69.3878% | 3,918 |
| Assets per employee ($millions) | 4.5408% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 6,217 |
| Loan loss allowance to noncurrent loans | 42.9696% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0741% | 2,801 |
| Noncurrent loans to loans | 2.3440% | 2,752 |
| Net loans and leases to total assets | 82.1253% | 276 |
| Net loans and leases to deposits | 111.4716% | 118 |
| Net loans and leases to core deposits | 152.3968% | 106 |
| Total domestic deposits to total assets | 73.6738% | 6,776 |
| Equity capital to assets | 10.9036% | 3,025 |
| Core capital (leverage) ratio | 9.6026% | 3,914 |
| Tier 1 risk-based capital ratio | 11.4701% | 6,299 |
| Total risk-based capital ratio | 12.5444% | 6,373 |
| Memoranda: | ||
| Average total assets | $703,227,000 | 944 |
| Average earning assets | $630,537,000 | 954 |
| Average equity | $75,594,000 | 920 |
| Average total loans | $570,237,000 | 730 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 2,548 |
| Cost of funding earning assets | 1.2025% | 2,009 |
| Net interest margin | 3.8728% | 3,458 |
| Noninterest income to average assets | 1.0243% | 1,297 |
| Noninterest expense to average assets | 3.3442% | 2,374 |
| Loan and lease loss provision to assets | 0.4324% | 2,440 |
| Net operating income to assets | 0.5465% | 4,250 |
| Return on assets (ROA) | 0.5486% | 4,426 |
| Pretax return on assets | 0.7046% | 4,306 |
| Return on Equity (ROE) | 5.2152% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.2152% | 2,498 |
| Net charge-offs to loans | 0.4373% | 3,251 |
| Credit loss provision to net charge-offs | 124.4572% | 2,523 |
| Earnings coverage of net charge-offs (x) | 3.2646% | 3,579 |
| Efficiency ratio | 72.9396% | 3,403 |
| Assets per employee ($millions) | 4.5043% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 6,115 |
| Loan loss allowance to noncurrent loans | 41.8355% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 2.0909% | 2,853 |
| Noncurrent loans to loans | 2.4405% | 2,692 |
| Net loans and leases to total assets | 78.4282% | 661 |
| Net loans and leases to deposits | 109.4237% | 180 |
| Net loans and leases to core deposits | 141.2342% | 167 |
| Total domestic deposits to total assets | 71.6739% | 6,892 |
| Equity capital to assets | 10.5973% | 3,420 |
| Core capital (leverage) ratio | 9.4212% | 4,155 |
| Tier 1 risk-based capital ratio | 11.3953% | 6,222 |
| Total risk-based capital ratio | 12.4613% | 6,319 |
| Memoranda: | ||
| Average total assets | $702,525,400 | 930 |
| Average earning assets | $626,595,800 | 944 |
| Average equity | $73,899,000 | 912 |
| Average total loans | $558,210,400 | 756 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 2,820 |
| Cost of funding earning assets | 1.2445% | 2,028 |
| Net interest margin | 3.8122% | 3,810 |
| Noninterest income to average assets | 1.0387% | 1,251 |
| Noninterest expense to average assets | 3.3389% | 2,375 |
| Loan and lease loss provision to assets | 0.4401% | 2,273 |
| Net operating income to assets | 0.5143% | 4,479 |
| Return on assets (ROA) | 0.5171% | 4,656 |
| Pretax return on assets | 0.6589% | 4,616 |
| Return on Equity (ROE) | 4.9248% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.9248% | 3,223 |
| Net charge-offs to loans | 0.3679% | 3,252 |
| Credit loss provision to net charge-offs | 150.4224% | 2,076 |
| Earnings coverage of net charge-offs (x) | 3.7440% | 3,316 |
| Efficiency ratio | 73.5060% | 3,274 |
| Assets per employee ($millions) | 4.4211% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 6,041 |
| Loan loss allowance to noncurrent loans | 54.4481% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 1.5682% | 3,743 |
| Noncurrent loans to loans | 1.9313% | 3,461 |
| Net loans and leases to total assets | 78.4839% | 661 |
| Net loans and leases to deposits | 105.9871% | 251 |
| Net loans and leases to core deposits | 136.6469% | 192 |
| Total domestic deposits to total assets | 74.0504% | 6,752 |
| Equity capital to assets | 10.5363% | 3,660 |
| Core capital (leverage) ratio | 9.2482% | 4,547 |
| Tier 1 risk-based capital ratio | 11.2768% | 6,382 |
| Total risk-based capital ratio | 12.3927% | 6,445 |
| Memoranda: | ||
| Average total assets | $701,363,250 | 935 |
| Average earning assets | $624,713,000 | 954 |
| Average equity | $73,638,500 | 924 |
| Average total loans | $557,676,750 | 762 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 2,890 |
| Cost of funding earning assets | 1.2872% | 2,022 |
| Net interest margin | 3.7696% | 3,940 |
| Noninterest income to average assets | 1.0404% | 1,220 |
| Noninterest expense to average assets | 3.3345% | 2,451 |
| Loan and lease loss provision to assets | 0.4115% | 2,378 |
| Net operating income to assets | 0.5223% | 4,405 |
| Return on assets (ROA) | 0.5202% | 4,555 |
| Pretax return on assets | 0.6443% | 4,594 |
| Return on Equity (ROE) | 4.9604% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.9604% | 3,032 |
| Net charge-offs to loans | 0.4068% | 2,922 |
| Credit loss provision to net charge-offs | 127.1201% | 2,403 |
| Earnings coverage of net charge-offs (x) | 3.2694% | 3,231 |
| Efficiency ratio | 74.0121% | 3,359 |
| Assets per employee ($millions) | 4.1153% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 6,416 |
| Loan loss allowance to noncurrent loans | 50.3897% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.7873% | 3,523 |
| Noncurrent loans to loans | 1.9462% | 3,547 |
| Net loans and leases to total assets | 78.3811% | 723 |
| Net loans and leases to deposits | 106.0087% | 264 |
| Net loans and leases to core deposits | 133.3034% | 233 |
| Total domestic deposits to total assets | 73.9383% | 6,848 |
| Equity capital to assets | 10.6532% | 3,332 |
| Core capital (leverage) ratio | 9.0814% | 4,601 |
| Tier 1 risk-based capital ratio | 11.4362% | 6,218 |
| Total risk-based capital ratio | 12.5006% | 6,348 |
| Memoranda: | ||
| Average total assets | $699,360,330 | 950 |
| Average earning assets | $621,983,330 | 966 |
| Average equity | $73,341,000 | 925 |
| Average total loans | $556,544,670 | 774 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 3,022 |
| Cost of funding earning assets | 1.2966% | 2,197 |
| Net interest margin | 3.7214% | 3,991 |
| Noninterest income to average assets | 1.0463% | 1,201 |
| Noninterest expense to average assets | 3.3631% | 2,374 |
| Loan and lease loss provision to assets | 0.3278% | 2,585 |
| Net operating income to assets | 0.5287% | 4,359 |
| Return on assets (ROA) | 0.5394% | 4,398 |
| Pretax return on assets | 0.6922% | 4,333 |
| Return on Equity (ROE) | 5.1852% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.1852% | 3,068 |
| Net charge-offs to loans | 0.6696% | 1,868 |
| Credit loss provision to net charge-offs | 61.3490% | 3,524 |
| Earnings coverage of net charge-offs (x) | 1.8833% | 3,364 |
| Efficiency ratio | 74.8233% | 3,360 |
| Assets per employee ($millions) | 4.1020% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 6,794 |
| Loan loss allowance to noncurrent loans | 47.6920% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 4,090 |
| Noncurrent loans to loans | 1.8126% | 3,811 |
| Net loans and leases to total assets | 77.4169% | 813 |
| Net loans and leases to deposits | 104.0481% | 313 |
| Net loans and leases to core deposits | 130.2252% | 270 |
| Total domestic deposits to total assets | 74.4049% | 6,867 |
| Equity capital to assets | 10.3859% | 3,302 |
| Core capital (leverage) ratio | 9.0754% | 4,489 |
| Tier 1 risk-based capital ratio | 11.2738% | 6,283 |
| Total risk-based capital ratio | 12.2071% | 6,514 |
| Memoranda: | ||
| Average total assets | $699,236,000 | 959 |
| Average earning assets | $624,389,500 | 971 |
| Average equity | $72,746,000 | 931 |
| Average total loans | $557,921,000 | 783 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 3,206 |
| Cost of funding earning assets | 1.5251% | 2,500 |
| Net interest margin | 3.7585% | 4,115 |
| Noninterest income to average assets | 1.1829% | 1,063 |
| Noninterest expense to average assets | 3.5330% | 2,091 |
| Loan and lease loss provision to assets | 0.3958% | 3,745 |
| Net operating income to assets | 0.4848% | 4,171 |
| Return on assets (ROA) | 0.4637% | 4,421 |
| Pretax return on assets | 0.5672% | 4,428 |
| Return on Equity (ROE) | 4.6737% | 4,222 |
| Retained earnings to average equity (ytd only) | 4.6737% | 2,626 |
| Net charge-offs to loans | 0.2807% | 4,618 |
| Credit loss provision to net charge-offs | 172.4483% | 1,957 |
| Earnings coverage of net charge-offs (x) | 4.3075% | 2,974 |
| Efficiency ratio | 76.0458% | 3,049 |
| Assets per employee ($millions) | 3.8711% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 6,706 |
| Loan loss allowance to noncurrent loans | 52.5054% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.4167% | 4,221 |
| Noncurrent loans to loans | 1.7277% | 3,907 |
| Net loans and leases to total assets | 80.7797% | 568 |
| Net loans and leases to deposits | 111.1196% | 213 |
| Net loans and leases to core deposits | 134.5108% | 275 |
| Total domestic deposits to total assets | 72.6962% | 7,026 |
| Equity capital to assets | 10.4217% | 3,251 |
| Core capital (leverage) ratio | 8.9186% | 4,661 |
| Tier 1 risk-based capital ratio | 10.9960% | 6,327 |
| Total risk-based capital ratio | 11.9907% | 6,508 |
| Memoranda: | ||
| Average total assets | $695,750,400 | 957 |
| Average earning assets | $618,068,400 | 977 |
| Average equity | $69,024,800 | 972 |
| Average total loans | $568,935,400 | 790 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 3,223 |
| Cost of funding earning assets | 1.5651% | 2,580 |
| Net interest margin | 3.7621% | 4,128 |
| Noninterest income to average assets | 1.1469% | 1,065 |
| Noninterest expense to average assets | 3.4519% | 2,155 |
| Loan and lease loss provision to assets | 0.4055% | 3,470 |
| Net operating income to assets | 0.4868% | 4,377 |
| Return on assets (ROA) | 0.4977% | 4,523 |
| Pretax return on assets | 0.6411% | 4,449 |
| Return on Equity (ROE) | 5.0809% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.0809% | 2,925 |
| Net charge-offs to loans | 0.2468% | 4,460 |
| Credit loss provision to net charge-offs | 200.7583% | 1,776 |
| Earnings coverage of net charge-offs (x) | 5.1128% | 2,848 |
| Efficiency ratio | 74.8687% | 3,165 |
| Assets per employee ($millions) | 3.8877% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 6,768 |
| Loan loss allowance to noncurrent loans | 39.4727% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 1.8901% | 3,627 |
| Noncurrent loans to loans | 2.2612% | 3,372 |
| Net loans and leases to total assets | 79.3730% | 845 |
| Net loans and leases to deposits | 106.9484% | 326 |
| Net loans and leases to core deposits | 126.5048% | 441 |
| Total domestic deposits to total assets | 74.2162% | 6,899 |
| Equity capital to assets | 9.9133% | 4,272 |
| Core capital (leverage) ratio | 8.5959% | 5,354 |
| Tier 1 risk-based capital ratio | 10.9318% | 6,438 |
| Total risk-based capital ratio | 11.9256% | 6,640 |
| Memoranda: | ||
| Average total assets | $696,456,000 | 959 |
| Average earning assets | $617,872,500 | 987 |
| Average equity | $68,227,250 | 978 |
| Average total loans | $569,952,000 | 792 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3667% | 3,125 |
| Cost of funding earning assets | 1.5880% | 2,724 |
| Net interest margin | 3.7787% | 4,000 |
| Noninterest income to average assets | 1.0942% | 1,110 |
| Noninterest expense to average assets | 3.3920% | 2,283 |
| Loan and lease loss provision to assets | 0.4242% | 3,204 |
| Net operating income to assets | 0.4883% | 4,385 |
| Return on assets (ROA) | 0.4982% | 4,488 |
| Pretax return on assets | 0.6383% | 4,439 |
| Return on Equity (ROE) | 5.1065% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.1065% | 2,844 |
| Net charge-offs to loans | 0.1772% | 4,545 |
| Credit loss provision to net charge-offs | 290.3353% | 1,281 |
| Earnings coverage of net charge-offs (x) | 7.1854% | 2,349 |
| Efficiency ratio | 74.2312% | 3,431 |
| Assets per employee ($millions) | 3.8485% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 6,884 |
| Loan loss allowance to noncurrent loans | 40.5159% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 1.8145% | 3,739 |
| Noncurrent loans to loans | 2.1138% | 3,576 |
| Net loans and leases to total assets | 81.0696% | 661 |
| Net loans and leases to deposits | 111.3423% | 242 |
| Net loans and leases to core deposits | 131.0464% | 404 |
| Total domestic deposits to total assets | 72.8111% | 7,116 |
| Equity capital to assets | 9.7092% | 4,398 |
| Core capital (leverage) ratio | 8.4342% | 5,523 |
| Tier 1 risk-based capital ratio | 10.5738% | 6,628 |
| Total risk-based capital ratio | 11.5401% | 6,825 |
| Memoranda: | ||
| Average total assets | $694,051,000 | 970 |
| Average earning assets | $614,865,670 | 1,000 |
| Average equity | $67,717,330 | 981 |
| Average total loans | $572,084,330 | 798 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4644% | 2,760 |
| Cost of funding earning assets | 1.6197% | 2,839 |
| Net interest margin | 3.8447% | 3,600 |
| Noninterest income to average assets | 1.0962% | 1,046 |
| Noninterest expense to average assets | 3.2915% | 2,555 |
| Loan and lease loss provision to assets | 0.3693% | 3,152 |
| Net operating income to assets | 0.6164% | 3,828 |
| Return on assets (ROA) | 0.6096% | 3,999 |
| Pretax return on assets | 0.8303% | 3,741 |
| Return on Equity (ROE) | 6.2327% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.2327% | 2,505 |
| Net charge-offs to loans | 0.2967% | 3,227 |
| Credit loss provision to net charge-offs | 150.3546% | 2,368 |
| Earnings coverage of net charge-offs (x) | 4.9220% | 2,513 |
| Efficiency ratio | 71.0231% | 4,112 |
| Assets per employee ($millions) | 3.9124% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 7,292 |
| Loan loss allowance to noncurrent loans | 36.7634% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 1.6506% | 4,002 |
| Noncurrent loans to loans | 1.9842% | 3,807 |
| Net loans and leases to total assets | 80.7740% | 742 |
| Net loans and leases to deposits | 107.1577% | 376 |
| Net loans and leases to core deposits | 136.4228% | 378 |
| Total domestic deposits to total assets | 75.3786% | 6,852 |
| Equity capital to assets | 9.6577% | 4,293 |
| Core capital (leverage) ratio | 8.4286% | 5,503 |
| Tier 1 risk-based capital ratio | 10.5782% | 6,559 |
| Total risk-based capital ratio | 11.4176% | 6,902 |
| Memoranda: | ||
| Average total assets | $688,934,500 | 996 |
| Average earning assets | $609,984,000 | 1,026 |
| Average equity | $67,386,000 | 987 |
| Average total loans | $570,180,500 | 822 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 3,214 |
| Cost of funding earning assets | 2.1163% | 2,387 |
| Net interest margin | 3.5624% | 4,683 |
| Noninterest income to average assets | 1.0115% | 1,533 |
| Noninterest expense to average assets | 3.5407% | 2,291 |
| Loan and lease loss provision to assets | 0.3885% | 4,459 |
| Net operating income to assets | 0.2151% | 4,851 |
| Return on assets (ROA) | 0.2054% | 4,947 |
| Pretax return on assets | 0.2205% | 4,959 |
| Return on Equity (ROE) | 2.0265% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.0265% | 3,690 |
| Net charge-offs to loans | 0.3526% | 4,467 |
| Credit loss provision to net charge-offs | 131.7708% | 3,827 |
| Earnings coverage of net charge-offs (x) | 2.1010% | 4,159 |
| Efficiency ratio | 82.6862% | 2,522 |
| Assets per employee ($millions) | 3.5642% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 7,382 |
| Loan loss allowance to noncurrent loans | 34.1453% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 1.7640% | 3,730 |
| Noncurrent loans to loans | 2.0478% | 3,592 |
| Net loans and leases to total assets | 83.6322% | 478 |
| Net loans and leases to deposits | 115.5295% | 243 |
| Net loans and leases to core deposits | 144.6048% | 653 |
| Total domestic deposits to total assets | 72.3904% | 7,210 |
| Equity capital to assets | 9.9103% | 3,885 |
| Core capital (leverage) ratio | 8.6575% | 5,001 |
| Tier 1 risk-based capital ratio | 10.5954% | 6,299 |
| Total risk-based capital ratio | 11.4195% | 6,683 |
| Memoranda: | ||
| Average total assets | $651,287,600 | 1,066 |
| Average earning assets | $575,623,000 | 1,100 |
| Average equity | $66,024,400 | 1,000 |
| Average total loans | $544,460,600 | 877 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7227% | 3,227 |
| Cost of funding earning assets | 2.1695% | 2,557 |
| Net interest margin | 3.5533% | 4,660 |
| Noninterest income to average assets | 0.9909% | 1,639 |
| Noninterest expense to average assets | 3.4038% | 2,567 |
| Loan and lease loss provision to assets | 0.3496% | 4,227 |
| Net operating income to assets | 0.3005% | 4,791 |
| Return on assets (ROA) | 0.2984% | 4,900 |
| Pretax return on assets | 0.3775% | 4,856 |
| Return on Equity (ROE) | 2.9262% | 4,824 |
| Retained earnings to average equity (ytd only) | 2.9262% | 3,684 |
| Net charge-offs to loans | 0.4165% | 3,599 |
| Credit loss provision to net charge-offs | 100.5942% | 5,047 |
| Earnings coverage of net charge-offs (x) | 2.0998% | 4,245 |
| Efficiency ratio | 79.8831% | 2,862 |
| Assets per employee ($millions) | 3.5175% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6147% | 7,551 |
| Loan loss allowance to noncurrent loans | 37.2415% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 4,110 |
| Noncurrent loans to loans | 1.6507% | 4,167 |
| Net loans and leases to total assets | 83.2027% | 643 |
| Net loans and leases to deposits | 120.0053% | 207 |
| Net loans and leases to core deposits | 147.7378% | 635 |
| Total domestic deposits to total assets | 69.3325% | 7,466 |
| Equity capital to assets | 10.2632% | 3,774 |
| Core capital (leverage) ratio | 8.8374% | 4,912 |
| Tier 1 risk-based capital ratio | 11.3461% | 5,596 |
| Total risk-based capital ratio | 12.1058% | 6,057 |
| Memoranda: | ||
| Average total assets | $645,700,750 | 1,087 |
| Average earning assets | $571,063,500 | 1,119 |
| Average equity | $65,840,750 | 1,018 |
| Average total loans | $538,740,000 | 902 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7677% | 3,205 |
| Cost of funding earning assets | 2.2480% | 2,588 |
| Net interest margin | 3.5197% | 4,706 |
| Noninterest income to average assets | 0.9467% | 1,770 |
| Noninterest expense to average assets | 3.3896% | 2,660 |
| Loan and lease loss provision to assets | 0.2959% | 4,194 |
| Net operating income to assets | 0.3059% | 4,870 |
| Return on assets (ROA) | 0.3012% | 5,006 |
| Pretax return on assets | 0.3715% | 5,014 |
| Return on Equity (ROE) | 2.9600% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.9600% | 3,675 |
| Net charge-offs to loans | 0.2412% | 3,987 |
| Credit loss provision to net charge-offs | 147.2136% | 3,140 |
| Earnings coverage of net charge-offs (x) | 3.3498% | 3,468 |
| Efficiency ratio | 80.9097% | 2,900 |
| Assets per employee ($millions) | 3.5309% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6849% | 7,452 |
| Loan loss allowance to noncurrent loans | 48.3241% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 1.3109% | 4,326 |
| Noncurrent loans to loans | 1.4172% | 4,376 |
| Net loans and leases to total assets | 82.6366% | 841 |
| Net loans and leases to deposits | 117.8744% | 281 |
| Net loans and leases to core deposits | 138.9762% | 1,057 |
| Total domestic deposits to total assets | 70.1056% | 7,461 |
| Equity capital to assets | 10.2349% | 3,691 |
| Core capital (leverage) ratio | 8.7028% | 5,083 |
| Tier 1 risk-based capital ratio | 11.3145% | 5,576 |
| Total risk-based capital ratio | 12.1490% | 5,925 |
| Memoranda: | ||
| Average total assets | $642,850,000 | 1,114 |
| Average earning assets | $569,137,330 | 1,141 |
| Average equity | $65,405,330 | 1,035 |
| Average total loans | $535,745,670 | 927 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7897% | 3,355 |
| Cost of funding earning assets | 2.2781% | 2,804 |
| Net interest margin | 3.5117% | 4,681 |
| Noninterest income to average assets | 0.9220% | 1,767 |
| Noninterest expense to average assets | 3.1629% | 3,141 |
| Loan and lease loss provision to assets | 0.1978% | 4,462 |
| Net operating income to assets | 0.4874% | 4,480 |
| Return on assets (ROA) | 0.5008% | 4,607 |
| Pretax return on assets | 0.6986% | 4,441 |
| Return on Equity (ROE) | 4.9370% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.9370% | 3,167 |
| Net charge-offs to loans | 0.1246% | 3,969 |
| Credit loss provision to net charge-offs | 190.4192% | 2,307 |
| Earnings coverage of net charge-offs (x) | 8.4491% | 2,186 |
| Efficiency ratio | 75.7506% | 3,528 |
| Assets per employee ($millions) | 3.5824% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 7,572 |
| Loan loss allowance to noncurrent loans | 44.4557% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 1.3785% | 3,893 |
| Noncurrent loans to loans | 1.4568% | 4,120 |
| Net loans and leases to total assets | 83.4556% | 779 |
| Net loans and leases to deposits | 120.7875% | 272 |
| Net loans and leases to core deposits | 137.3725% | 1,227 |
| Total domestic deposits to total assets | 69.0929% | 7,507 |
| Equity capital to assets | 10.0785% | 3,903 |
| Core capital (leverage) ratio | 8.5319% | 5,469 |
| Tier 1 risk-based capital ratio | 11.0055% | 5,907 |
| Total risk-based capital ratio | 11.7902% | 6,266 |
| Memoranda: | ||
| Average total assets | $642,959,000 | 1,111 |
| Average earning assets | $571,013,000 | 1,145 |
| Average equity | $65,221,500 | 1,046 |
| Average total loans | $536,263,000 | 931 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3391% | 3,736 |
| Cost of funding earning assets | 2.9575% | 2,033 |
| Net interest margin | 3.3816% | 5,735 |
| Noninterest income to average assets | 1.1381% | 1,199 |
| Noninterest expense to average assets | 3.3613% | 2,791 |
| Loan and lease loss provision to assets | 0.1492% | 5,448 |
| Net operating income to assets | 0.4699% | 4,869 |
| Return on assets (ROA) | 0.3247% | 5,285 |
| Pretax return on assets | 0.4214% | 5,201 |
| Return on Equity (ROE) | 3.0578% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,260 |
| Net charge-offs to loans | 0.2968% | 3,412 |
| Credit loss provision to net charge-offs | 61.3182% | 6,216 |
| Earnings coverage of net charge-offs (x) | 3.1198% | 4,530 |
| Efficiency ratio | 78.9888% | 2,754 |
| Assets per employee ($millions) | 3.5815% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 7,602 |
| Loan loss allowance to noncurrent loans | 46.4637% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 1.1888% | 3,878 |
| Noncurrent loans to loans | 1.3610% | 3,797 |
| Net loans and leases to total assets | 82.2842% | 1,178 |
| Net loans and leases to deposits | 123.9352% | 305 |
| Net loans and leases to core deposits | 140.1453% | 1,260 |
| Total domestic deposits to total assets | 66.3929% | 7,629 |
| Equity capital to assets | 10.2098% | 3,795 |
| Core capital (leverage) ratio | 8.6387% | 5,307 |
| Tier 1 risk-based capital ratio | 11.1304% | 5,615 |
| Total risk-based capital ratio | 11.8984% | 5,954 |
| Memoranda: | ||
| Average total assets | $617,258,000 | 1,088 |
| Average earning assets | $544,381,600 | 1,136 |
| Average equity | $65,537,400 | 1,021 |
| Average total loans | $505,993,400 | 951 |