Home > Atlantic Community Bankers Bank > Performance and Condition Ratios
Atlantic Community Bankers Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7665% | 1,550 |
| Cost of funding earning assets | 2.8253% | 470 |
| Net interest margin | 2.9412% | 3,498 |
| Noninterest income to average assets | 1.9900% | 258 |
| Noninterest expense to average assets | 3.2855% | 787 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.1037% | 1,999 |
| Return on assets (ROA) | 1.0402% | 2,164 |
| Pretax return on assets | 1.3430% | 1,862 |
| Return on Equity (ROE) | 6.9800% | 3,130 |
| Retained earnings to average equity (ytd only) | 6.9781% | 1,995 |
| Net charge-offs to loans | -0.0159% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.9205% | 1,937 |
| Assets per employee ($millions) | 8.8079% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9637% | 407 |
| Loan loss allowance to noncurrent loans | 339.0890% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 1,939 |
| Noncurrent loans to loans | 0.5791% | 1,695 |
| Net loans and leases to total assets | 58.3600% | 3,015 |
| Net loans and leases to deposits | 95.0326% | 693 |
| Net loans and leases to core deposits | 104.5812% | 1,101 |
| Total domestic deposits to total assets | 61.4100% | 4,299 |
| Equity capital to assets | 14.7193% | 595 |
| Core capital (leverage) ratio | 14.3859% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4512% | 549 |
| Memoranda: | ||
| Average total assets | $919,435,500 | 1,112 |
| Average earning assets | $849,320,500 | 1,113 |
| Average equity | $137,056,500 | 812 |
| Average total loans | $554,254,500 | 1,228 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0476% | 1,225 |
| Cost of funding earning assets | 3.2125% | 327 |
| Net interest margin | 2.8351% | 3,428 |
| Noninterest income to average assets | 1.5300% | 345 |
| Noninterest expense to average assets | 2.9668% | 1,199 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 0.8325% | 2,600 |
| Return on assets (ROA) | 0.7558% | 2,827 |
| Pretax return on assets | 0.9551% | 2,649 |
| Return on Equity (ROE) | 5.1700% | 3,473 |
| Retained earnings to average equity (ytd only) | 5.1735% | 2,168 |
| Net charge-offs to loans | -0.0173% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.8961% | 1,884 |
| Assets per employee ($millions) | 8.3002% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 365 |
| Loan loss allowance to noncurrent loans | 136.3308% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 777 |
| Noncurrent loans to loans | 1.4686% | 654 |
| Net loans and leases to total assets | 59.8500% | 2,952 |
| Net loans and leases to deposits | 96.2750% | 697 |
| Net loans and leases to core deposits | 106.3442% | 1,107 |
| Total domestic deposits to total assets | 62.1600% | 4,319 |
| Equity capital to assets | 15.1035% | 547 |
| Core capital (leverage) ratio | 14.7302% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5782% | 550 |
| Memoranda: | ||
| Average total assets | $905,745,400 | 1,103 |
| Average earning assets | $835,636,800 | 1,103 |
| Average equity | $132,327,000 | 814 |
| Average total loans | $525,927,600 | 1,255 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0564% | 1,183 |
| Cost of funding earning assets | 3.2682% | 313 |
| Net interest margin | 2.7882% | 3,471 |
| Noninterest income to average assets | 1.3700% | 380 |
| Noninterest expense to average assets | 2.8763% | 1,306 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.8488% | 2,533 |
| Return on assets (ROA) | 0.7720% | 2,788 |
| Pretax return on assets | 0.9755% | 2,616 |
| Return on Equity (ROE) | 5.3300% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.3287% | 2,337 |
| Net charge-offs to loans | -0.0149% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 72.5384% | 1,736 |
| Assets per employee ($millions) | 9.4492% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 513 |
| Loan loss allowance to noncurrent loans | 816.0235% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 2,838 |
| Noncurrent loans to loans | 0.2254% | 2,634 |
| Net loans and leases to total assets | 56.0600% | 3,256 |
| Net loans and leases to deposits | 93.8239% | 873 |
| Net loans and leases to core deposits | 103.4488% | 1,267 |
| Total domestic deposits to total assets | 59.7500% | 4,367 |
| Equity capital to assets | 14.6259% | 629 |
| Core capital (leverage) ratio | 14.0559% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8344% | 545 |
| Memoranda: | ||
| Average total assets | $908,076,250 | 1,093 |
| Average earning assets | $838,977,750 | 1,098 |
| Average equity | $131,561,000 | 809 |
| Average total loans | $520,543,750 | 1,250 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9850% | 1,191 |
| Cost of funding earning assets | 3.1837% | 333 |
| Net interest margin | 2.8013% | 3,414 |
| Noninterest income to average assets | 1.2200% | 448 |
| Noninterest expense to average assets | 2.6405% | 1,835 |
| Loan and lease loss provision to assets | -0.0300% | 4,261 |
| Net operating income to assets | 0.9642% | 2,109 |
| Return on assets (ROA) | 0.8901% | 2,345 |
| Pretax return on assets | 1.1298% | 2,125 |
| Return on Equity (ROE) | 6.1600% | 3,234 |
| Retained earnings to average equity (ytd only) | 6.1642% | 1,952 |
| Net charge-offs to loans | -0.0189% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 68.7990% | 2,238 |
| Assets per employee ($millions) | 12.5379% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 609 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.0400% | 3,186 |
| Net loans and leases to deposits | 92.8641% | 1,049 |
| Net loans and leases to core deposits | 102.3489% | 1,344 |
| Total domestic deposits to total assets | 61.4200% | 4,356 |
| Equity capital to assets | 14.4713% | 605 |
| Core capital (leverage) ratio | 14.5919% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7572% | 547 |
| Memoranda: | ||
| Average total assets | $902,096,000 | 1,103 |
| Average earning assets | $835,256,000 | 1,104 |
| Average equity | $130,268,667 | 812 |
| Average total loans | $517,780,000 | 1,258 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9355% | 1,148 |
| Cost of funding earning assets | 3.0840% | 369 |
| Net interest margin | 2.8515% | 3,284 |
| Noninterest income to average assets | 1.2100% | 427 |
| Noninterest expense to average assets | 2.6899% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9215% | 2,180 |
| Return on assets (ROA) | 0.8491% | 2,410 |
| Pretax return on assets | 1.0805% | 2,185 |
| Return on Equity (ROE) | 5.8900% | 3,247 |
| Retained earnings to average equity (ytd only) | 5.8865% | 2,137 |
| Net charge-offs to loans | -0.0266% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 69.5193% | 2,205 |
| Assets per employee ($millions) | 12.4487% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 513 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 56.0100% | 3,197 |
| Net loans and leases to deposits | 91.2004% | 1,107 |
| Net loans and leases to core deposits | 100.8862% | 1,366 |
| Total domestic deposits to total assets | 61.4200% | 4,411 |
| Equity capital to assets | 14.5079% | 599 |
| Core capital (leverage) ratio | 15.1624% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1265% | 537 |
| Memoranda: | ||
| Average total assets | $895,511,000 | 1,115 |
| Average earning assets | $829,184,500 | 1,113 |
| Average equity | $129,177,500 | 821 |
| Average total loans | $511,016,500 | 1,263 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3493% | 1,399 |
| Cost of funding earning assets | 2.7052% | 245 |
| Net interest margin | 2.6440% | 3,909 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.5984% | 2,004 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.7048% | 3,185 |
| Return on assets (ROA) | 0.6510% | 3,290 |
| Pretax return on assets | 0.8187% | 3,166 |
| Return on Equity (ROE) | 4.5000% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.5032% | 2,788 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.6004% | 1,702 |
| Assets per employee ($millions) | 11.9296% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 525 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 56.0200% | 3,192 |
| Net loans and leases to deposits | 88.8429% | 1,353 |
| Net loans and leases to core deposits | 98.1974% | 1,534 |
| Total domestic deposits to total assets | 63.0600% | 4,414 |
| Equity capital to assets | 14.3419% | 627 |
| Core capital (leverage) ratio | 15.1163% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8153% | 552 |
| Memoranda: | ||
| Average total assets | $863,446,800 | 1,117 |
| Average earning assets | $792,875,000 | 1,113 |
| Average equity | $124,822,200 | 792 |
| Average total loans | $463,580,400 | 1,315 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 1,451 |
| Cost of funding earning assets | 2.6125% | 234 |
| Net interest margin | 2.5869% | 4,049 |
| Noninterest income to average assets | 1.1900% | 505 |
| Noninterest expense to average assets | 2.5981% | 1,951 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.6858% | 3,357 |
| Return on assets (ROA) | 0.6334% | 3,452 |
| Pretax return on assets | 0.7947% | 3,343 |
| Return on Equity (ROE) | 4.3700% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.3727% | 3,161 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.5857% | 1,502 |
| Assets per employee ($millions) | 11.6006% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 572 |
| Loan loss allowance to noncurrent loans | 27,668.7500% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,840 |
| Noncurrent loans to loans | 0.0065% | 3,762 |
| Net loans and leases to total assets | 56.3800% | 3,170 |
| Net loans and leases to deposits | 89.5643% | 1,262 |
| Net loans and leases to core deposits | 90.8682% | 1,865 |
| Total domestic deposits to total assets | 62.9500% | 4,439 |
| Equity capital to assets | 14.5630% | 580 |
| Core capital (leverage) ratio | 15.2731% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7250% | 573 |
| Memoranda: | ||
| Average total assets | $855,628,750 | 1,128 |
| Average earning assets | $782,174,500 | 1,123 |
| Average equity | $123,947,750 | 794 |
| Average total loans | $451,843,750 | 1,337 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 1,507 |
| Cost of funding earning assets | 2.5311% | 182 |
| Net interest margin | 2.5030% | 4,206 |
| Noninterest income to average assets | 1.2000% | 439 |
| Noninterest expense to average assets | 2.6723% | 1,710 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.5948% | 3,580 |
| Return on assets (ROA) | 0.5441% | 3,722 |
| Pretax return on assets | 0.6781% | 3,651 |
| Return on Equity (ROE) | 3.7600% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.7624% | 3,265 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.9686% | 1,178 |
| Assets per employee ($millions) | 11.7803% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 533 |
| Loan loss allowance to noncurrent loans | 20,863.4146% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,830 |
| Noncurrent loans to loans | 0.0089% | 3,727 |
| Net loans and leases to total assets | 51.6900% | 3,432 |
| Net loans and leases to deposits | 81.5552% | 1,865 |
| Net loans and leases to core deposits | 81.9626% | 2,337 |
| Total domestic deposits to total assets | 63.3700% | 4,461 |
| Equity capital to assets | 14.2951% | 603 |
| Core capital (leverage) ratio | 15.1842% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6317% | 510 |
| Memoranda: | ||
| Average total assets | $854,689,333 | 1,120 |
| Average earning assets | $782,822,000 | 1,126 |
| Average equity | $123,591,667 | 788 |
| Average total loans | $438,181,667 | 1,351 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7914% | 1,645 |
| Cost of funding earning assets | 2.4509% | 108 |
| Net interest margin | 2.3406% | 4,424 |
| Noninterest income to average assets | 1.3300% | 377 |
| Noninterest expense to average assets | 2.7163% | 1,629 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.5195% | 3,847 |
| Return on assets (ROA) | 0.4708% | 3,917 |
| Pretax return on assets | 0.5895% | 3,858 |
| Return on Equity (ROE) | 3.2400% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.2369% | 3,452 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.6235% | 1,032 |
| Assets per employee ($millions) | 13.3420% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 508 |
| Loan loss allowance to noncurrent loans | 15,892.4528% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,834 |
| Noncurrent loans to loans | 0.0121% | 3,732 |
| Net loans and leases to total assets | 47.3600% | 3,678 |
| Net loans and leases to deposits | 82.6195% | 1,608 |
| Net loans and leases to core deposits | 83.0580% | 2,054 |
| Total domestic deposits to total assets | 57.3300% | 4,550 |
| Equity capital to assets | 13.6682% | 643 |
| Core capital (leverage) ratio | 15.1311% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6338% | 459 |
| Memoranda: | ||
| Average total assets | $846,164,000 | 1,143 |
| Average earning assets | $776,053,000 | 1,146 |
| Average equity | $123,079,500 | 802 |
| Average total loans | $427,716,000 | 1,394 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 3,433 |
| Cost of funding earning assets | 1.0137% | 152 |
| Net interest margin | 2.3515% | 4,391 |
| Noninterest income to average assets | 1.5800% | 324 |
| Noninterest expense to average assets | 2.8853% | 1,148 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 0.7254% | 3,553 |
| Return on assets (ROA) | 0.6859% | 3,608 |
| Pretax return on assets | 0.8690% | 3,433 |
| Return on Equity (ROE) | 4.1400% | 4,139 |
| Retained earnings to average equity (ytd only) | 4.1421% | 3,348 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.6160% | 878 |
| Assets per employee ($millions) | 11.3779% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 407 |
| Loan loss allowance to noncurrent loans | 10,873.0769% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,790 |
| Noncurrent loans to loans | 0.0187% | 3,688 |
| Net loans and leases to total assets | 52.0800% | 3,352 |
| Net loans and leases to deposits | 96.1191% | 630 |
| Net loans and leases to core deposits | 96.8564% | 1,155 |
| Total domestic deposits to total assets | 54.1800% | 4,602 |
| Equity capital to assets | 15.5595% | 419 |
| Core capital (leverage) ratio | 16.5175% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8811% | 377 |
| Memoranda: | ||
| Average total assets | $761,194,200 | 1,230 |
| Average earning assets | $680,289,400 | 1,262 |
| Average equity | $126,048,400 | 783 |
| Average total loans | $362,616,400 | 1,508 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0103% | 3,871 |
| Cost of funding earning assets | 0.7312% | 223 |
| Net interest margin | 2.2791% | 4,417 |
| Noninterest income to average assets | 1.6300% | 331 |
| Noninterest expense to average assets | 2.8911% | 1,076 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 0.7295% | 3,481 |
| Return on assets (ROA) | 0.6988% | 3,530 |
| Pretax return on assets | 0.8850% | 3,361 |
| Return on Equity (ROE) | 4.1500% | 4,126 |
| Retained earnings to average equity (ytd only) | 4.1545% | 3,389 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.3083% | 890 |
| Assets per employee ($millions) | 11.7152% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2667% | 311 |
| Loan loss allowance to noncurrent loans | 8,314.7059% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,842 |
| Noncurrent loans to loans | 0.0273% | 3,706 |
| Net loans and leases to total assets | 45.9000% | 3,768 |
| Net loans and leases to deposits | 87.0933% | 1,095 |
| Net loans and leases to core deposits | 88.8363% | 1,370 |
| Total domestic deposits to total assets | 52.7100% | 4,645 |
| Equity capital to assets | 15.7857% | 386 |
| Core capital (leverage) ratio | 16.8378% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9943% | 314 |
| Memoranda: | ||
| Average total assets | $755,224,750 | 1,243 |
| Average earning assets | $671,185,250 | 1,281 |
| Average equity | $127,022,250 | 785 |
| Average total loans | $348,942,000 | 1,542 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7942% | 3,989 |
| Cost of funding earning assets | 0.5524% | 387 |
| Net interest margin | 2.2418% | 4,390 |
| Noninterest income to average assets | 1.7485% | 272 |
| Noninterest expense to average assets | 2.9902% | 855 |
| Loan and lease loss provision to assets | -0.2293% | 4,698 |
| Net operating income to assets | 0.7728% | 3,053 |
| Return on assets (ROA) | 0.7453% | 3,114 |
| Pretax return on assets | 0.9471% | 2,912 |
| Return on Equity (ROE) | 4.3360% | 3,954 |
| Retained earnings to average equity (ytd only) | 4.3360% | 2,956 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2966% | 998 |
| Assets per employee ($millions) | 11.0073% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4295% | 279 |
| Loan loss allowance to noncurrent loans | 7,780.7339% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,874 |
| Noncurrent loans to loans | 0.0312% | 3,721 |
| Net loans and leases to total assets | 46.1839% | 3,703 |
| Net loans and leases to deposits | 84.5023% | 1,087 |
| Net loans and leases to core deposits | 86.2654% | 1,324 |
| Total domestic deposits to total assets | 54.6540% | 4,710 |
| Equity capital to assets | 17.2153% | 264 |
| Core capital (leverage) ratio | 17.3506% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0294% | 270 |
| Memoranda: | ||
| Average total assets | $741,421,667 | 1,266 |
| Average earning assets | $657,149,000 | 1,316 |
| Average equity | $127,445,000 | 786 |
| Average total loans | $340,537,000 | 1,560 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6455% | 4,045 |
| Cost of funding earning assets | 0.4706% | 583 |
| Net interest margin | 2.1749% | 4,376 |
| Noninterest income to average assets | 1.5152% | 350 |
| Noninterest expense to average assets | 2.9180% | 926 |
| Loan and lease loss provision to assets | -0.2152% | 4,696 |
| Net operating income to assets | 0.5833% | 3,455 |
| Return on assets (ROA) | 0.5634% | 3,487 |
| Pretax return on assets | 0.7097% | 3,361 |
| Return on Equity (ROE) | 3.2799% | 4,033 |
| Retained earnings to average equity (ytd only) | 3.2799% | 3,171 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1982% | 833 |
| Assets per employee ($millions) | 11.2499% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6270% | 251 |
| Loan loss allowance to noncurrent loans | 7,380.9917% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,901 |
| Noncurrent loans to loans | 0.0356% | 3,731 |
| Net loans and leases to total assets | 43.9194% | 3,746 |
| Net loans and leases to deposits | 67.6915% | 2,187 |
| Net loans and leases to core deposits | 68.8514% | 2,381 |
| Total domestic deposits to total assets | 64.8817% | 4,703 |
| Equity capital to assets | 16.8483% | 276 |
| Core capital (leverage) ratio | 17.3496% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8642% | 243 |
| Memoranda: | ||
| Average total assets | $743,388,000 | 1,269 |
| Average earning assets | $655,303,500 | 1,319 |
| Average equity | $127,687,000 | 802 |
| Average total loans | $336,264,500 | 1,565 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5598% | 4,438 |
| Cost of funding earning assets | 0.6471% | 426 |
| Net interest margin | 1.9127% | 4,636 |
| Noninterest income to average assets | 5.5632% | 99 |
| Noninterest expense to average assets | 3.9760% | 293 |
| Loan and lease loss provision to assets | -0.0853% | 4,495 |
| Net operating income to assets | 2.5993% | 144 |
| Return on assets (ROA) | 2.5660% | 151 |
| Pretax return on assets | 3.3336% | 107 |
| Return on Equity (ROE) | 16.5990% | 656 |
| Retained earnings to average equity (ytd only) | 16.5990% | 143 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3412% | 3,891 |
| Assets per employee ($millions) | 11.2706% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8058% | 187 |
| Loan loss allowance to noncurrent loans | 6,391.0959% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 3,937 |
| Noncurrent loans to loans | 0.0439% | 3,762 |
| Net loans and leases to total assets | 44.1215% | 3,827 |
| Net loans and leases to deposits | 69.9645% | 2,137 |
| Net loans and leases to core deposits | 71.2446% | 2,327 |
| Total domestic deposits to total assets | 63.0626% | 4,750 |
| Equity capital to assets | 17.4839% | 276 |
| Core capital (leverage) ratio | 16.3993% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4884% | 251 |
| Memoranda: | ||
| Average total assets | $756,039,400 | 1,212 |
| Average earning assets | $669,747,600 | 1,261 |
| Average equity | $116,874,800 | 891 |
| Average total loans | $334,965,200 | 1,572 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5518% | 4,539 |
| Cost of funding earning assets | 0.6994% | 384 |
| Net interest margin | 1.8523% | 4,727 |
| Noninterest income to average assets | 6.7234% | 92 |
| Noninterest expense to average assets | 4.2225% | 248 |
| Loan and lease loss provision to assets | -0.0604% | 4,494 |
| Net operating income to assets | 3.2353% | 99 |
| Return on assets (ROA) | 3.1998% | 102 |
| Pretax return on assets | 4.1668% | 79 |
| Return on Equity (ROE) | 21.3719% | 335 |
| Retained earnings to average equity (ytd only) | 21.3719% | 94 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1004% | 4,213 |
| Assets per employee ($millions) | 11.7565% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8835% | 175 |
| Loan loss allowance to noncurrent loans | 6,173.7179% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 4,045 |
| Noncurrent loans to loans | 0.0467% | 3,882 |
| Net loans and leases to total assets | 44.5015% | 3,910 |
| Net loans and leases to deposits | 73.2939% | 1,930 |
| Net loans and leases to core deposits | 74.8797% | 2,152 |
| Total domestic deposits to total assets | 60.7166% | 4,836 |
| Equity capital to assets | 17.4185% | 304 |
| Core capital (leverage) ratio | 15.2401% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2868% | 270 |
| Memoranda: | ||
| Average total assets | $761,902,000 | 1,217 |
| Average earning assets | $675,019,250 | 1,272 |
| Average equity | $114,072,250 | 920 |
| Average total loans | $335,566,500 | 1,601 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5032% | 4,613 |
| Cost of funding earning assets | 0.7067% | 453 |
| Net interest margin | 1.7965% | 4,786 |
| Noninterest income to average assets | 3.0974% | 178 |
| Noninterest expense to average assets | 4.0479% | 277 |
| Loan and lease loss provision to assets | -0.0272% | 4,458 |
| Net operating income to assets | 0.5165% | 4,185 |
| Return on assets (ROA) | 0.4924% | 4,280 |
| Pretax return on assets | 0.6433% | 4,166 |
| Return on Equity (ROE) | 3.4671% | 4,414 |
| Retained earnings to average equity (ytd only) | 3.4671% | 3,698 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6709% | 489 |
| Assets per employee ($millions) | 6.3358% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9743% | 155 |
| Loan loss allowance to noncurrent loans | 5,910.7784% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 4,125 |
| Noncurrent loans to loans | 0.0503% | 3,926 |
| Net loans and leases to total assets | 42.0025% | 4,178 |
| Net loans and leases to deposits | 68.1076% | 2,605 |
| Net loans and leases to core deposits | 69.4482% | 2,833 |
| Total domestic deposits to total assets | 61.6708% | 4,859 |
| Equity capital to assets | 14.4518% | 629 |
| Core capital (leverage) ratio | 13.6648% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7443% | 388 |
| Memoranda: | ||
| Average total assets | $772,901,667 | 1,197 |
| Average earning assets | $684,337,333 | 1,248 |
| Average equity | $109,775,000 | 948 |
| Average total loans | $336,087,333 | 1,609 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4677% | 4,665 |
| Cost of funding earning assets | 0.7199% | 509 |
| Net interest margin | 1.7478% | 4,828 |
| Noninterest income to average assets | 3.1854% | 187 |
| Noninterest expense to average assets | 3.9400% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6031% | 3,933 |
| Return on assets (ROA) | 0.5716% | 4,069 |
| Pretax return on assets | 0.7582% | 3,893 |
| Return on Equity (ROE) | 4.0598% | 4,270 |
| Retained earnings to average equity (ytd only) | 4.0598% | 3,480 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6395% | 664 |
| Assets per employee ($millions) | 6.2158% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9095% | 161 |
| Loan loss allowance to noncurrent loans | 5,604.4944% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,192 |
| Noncurrent loans to loans | 0.0519% | 4,030 |
| Net loans and leases to total assets | 45.7760% | 3,974 |
| Net loans and leases to deposits | 81.9407% | 1,340 |
| Net loans and leases to core deposits | 83.9014% | 1,688 |
| Total domestic deposits to total assets | 55.8648% | 4,906 |
| Equity capital to assets | 15.0991% | 482 |
| Core capital (leverage) ratio | 13.6233% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5731% | 375 |
| Memoranda: | ||
| Average total assets | $776,038,000 | 1,173 |
| Average earning assets | $685,657,000 | 1,239 |
| Average equity | $109,266,500 | 938 |
| Average total loans | $338,194,000 | 1,603 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7842% | 4,757 |
| Cost of funding earning assets | 0.8274% | 1,099 |
| Net interest margin | 1.9568% | 4,845 |
| Noninterest income to average assets | 2.7527% | 222 |
| Noninterest expense to average assets | 3.7994% | 459 |
| Loan and lease loss provision to assets | 0.2369% | 1,640 |
| Net operating income to assets | 0.2752% | 4,470 |
| Return on assets (ROA) | 0.2795% | 4,528 |
| Pretax return on assets | 0.4507% | 4,352 |
| Return on Equity (ROE) | 2.1323% | 4,542 |
| Retained earnings to average equity (ytd only) | 2.1323% | 3,767 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9932% | 632 |
| Assets per employee ($millions) | 7.2318% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9912% | 148 |
| Loan loss allowance to noncurrent loans | 5,481.3187% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,282 |
| Noncurrent loans to loans | 0.0546% | 4,073 |
| Net loans and leases to total assets | 39.2434% | 4,471 |
| Net loans and leases to deposits | 69.7734% | 2,902 |
| Net loans and leases to core deposits | 71.0937% | 3,167 |
| Total domestic deposits to total assets | 56.2441% | 4,929 |
| Equity capital to assets | 13.1658% | 1,035 |
| Core capital (leverage) ratio | 13.4857% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5062% | 367 |
| Memoranda: | ||
| Average total assets | $811,395,600 | 1,043 |
| Average earning assets | $717,329,200 | 1,078 |
| Average equity | $106,364,800 | 921 |
| Average total loans | $360,810,400 | 1,475 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8920% | 4,796 |
| Cost of funding earning assets | 0.8687% | 1,184 |
| Net interest margin | 2.0234% | 4,880 |
| Noninterest income to average assets | 2.7391% | 210 |
| Noninterest expense to average assets | 3.8288% | 443 |
| Loan and lease loss provision to assets | 0.3171% | 1,250 |
| Net operating income to assets | 0.1623% | 4,638 |
| Return on assets (ROA) | 0.1813% | 4,657 |
| Pretax return on assets | 0.3965% | 4,436 |
| Return on Equity (ROE) | 1.3847% | 4,644 |
| Retained earnings to average equity (ytd only) | 1.3847% | 4,121 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8859% | 609 |
| Assets per employee ($millions) | 6.6822% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8881% | 154 |
| Loan loss allowance to noncurrent loans | 911.8830% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 3,711 |
| Noncurrent loans to loans | 0.3167% | 3,151 |
| Net loans and leases to total assets | 43.2751% | 4,451 |
| Net loans and leases to deposits | 81.5937% | 2,140 |
| Net loans and leases to core deposits | 83.4799% | 2,527 |
| Total domestic deposits to total assets | 53.0373% | 4,966 |
| Equity capital to assets | 13.8298% | 903 |
| Core capital (leverage) ratio | 12.7625% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1174% | 402 |
| Memoranda: | ||
| Average total assets | $808,138,000 | 1,034 |
| Average earning assets | $712,654,500 | 1,071 |
| Average equity | $105,820,500 | 917 |
| Average total loans | $367,635,750 | 1,451 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9590% | 4,862 |
| Cost of funding earning assets | 0.9229% | 1,266 |
| Net interest margin | 2.0360% | 4,938 |
| Noninterest income to average assets | 2.6245% | 207 |
| Noninterest expense to average assets | 3.8960% | 463 |
| Loan and lease loss provision to assets | 0.4693% | 806 |
| Net operating income to assets | -0.1472% | 4,847 |
| Return on assets (ROA) | -0.1182% | 4,839 |
| Pretax return on assets | 0.0764% | 4,740 |
| Return on Equity (ROE) | -0.9187% | 4,841 |
| Retained earnings to average equity (ytd only) | -0.9187% | 4,468 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5228% | 475 |
| Assets per employee ($millions) | 7.2017% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6233% | 192 |
| Loan loss allowance to noncurrent loans | 911.8830% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 3,891 |
| Noncurrent loans to loans | 0.2877% | 3,347 |
| Net loans and leases to total assets | 43.2099% | 4,495 |
| Net loans and leases to deposits | 90.7856% | 1,282 |
| Net loans and leases to core deposits | 92.9010% | 1,825 |
| Total domestic deposits to total assets | 47.5955% | 5,012 |
| Equity capital to assets | 12.3168% | 1,471 |
| Core capital (leverage) ratio | 12.7067% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0670% | 495 |
| Memoranda: | ||
| Average total assets | $819,140,000 | 1,008 |
| Average earning assets | $719,437,000 | 1,048 |
| Average equity | $105,361,000 | 913 |
| Average total loans | $375,042,667 | 1,413 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3631% | 4,765 |
| Cost of funding earning assets | 1.1208% | 986 |
| Net interest margin | 2.2423% | 4,943 |
| Noninterest income to average assets | 2.7633% | 170 |
| Noninterest expense to average assets | 3.9705% | 524 |
| Loan and lease loss provision to assets | 0.5334% | 545 |
| Net operating income to assets | 0.1845% | 4,548 |
| Return on assets (ROA) | 0.1370% | 4,618 |
| Pretax return on assets | 0.1490% | 4,625 |
| Return on Equity (ROE) | 1.0412% | 4,622 |
| Retained earnings to average equity (ytd only) | 1.0412% | 3,731 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7286% | 845 |
| Assets per employee ($millions) | 6.5486% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4172% | 282 |
| Loan loss allowance to noncurrent loans | 5,011.5385% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,521 |
| Noncurrent loans to loans | 0.0482% | 4,358 |
| Net loans and leases to total assets | 45.7135% | 4,434 |
| Net loans and leases to deposits | 83.3393% | 2,300 |
| Net loans and leases to core deposits | 87.0805% | 2,590 |
| Total domestic deposits to total assets | 54.8523% | 5,055 |
| Equity capital to assets | 12.9938% | 1,433 |
| Core capital (leverage) ratio | 12.9717% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7592% | 580 |
| Memoranda: | ||
| Average total assets | $800,208,500 | 1,004 |
| Average earning assets | $691,268,500 | 1,047 |
| Average equity | $105,264,000 | 910 |
| Average total loans | $372,421,000 | 1,375 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 4,714 |
| Cost of funding earning assets | 1.3310% | 701 |
| Net interest margin | 2.3373% | 5,028 |
| Noninterest income to average assets | 2.6058% | 189 |
| Noninterest expense to average assets | 4.3110% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3093% | 4,735 |
| Return on assets (ROA) | 0.2801% | 4,795 |
| Pretax return on assets | 0.3384% | 4,780 |
| Return on Equity (ROE) | 2.1115% | 4,782 |
| Retained earnings to average equity (ytd only) | 2.1115% | 3,942 |
| Net charge-offs to loans | -0.1209% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2992% | 305 |
| Assets per employee ($millions) | 6.9658% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1915% | 336 |
| Loan loss allowance to noncurrent loans | 3,948.0392% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,525 |
| Noncurrent loans to loans | 0.0555% | 4,320 |
| Net loans and leases to total assets | 45.2656% | 4,546 |
| Net loans and leases to deposits | 88.9313% | 1,709 |
| Net loans and leases to core deposits | 93.2796% | 2,131 |
| Total domestic deposits to total assets | 50.8996% | 5,126 |
| Equity capital to assets | 13.2706% | 1,381 |
| Core capital (leverage) ratio | 12.6211% | 1,419 |
| Tier 1 risk-based capital ratio | 21.4230% | 1,096 |
| Total risk-based capital ratio | 22.7406% | 1,063 |
| Memoranda: | ||
| Average total assets | $790,506,200 | 983 |
| Average earning assets | $701,070,800 | 1,011 |
| Average equity | $104,856,600 | 867 |
| Average total loans | $358,212,200 | 1,389 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 4,770 |
| Cost of funding earning assets | 1.3558% | 665 |
| Net interest margin | 2.3569% | 5,117 |
| Noninterest income to average assets | 2.5759% | 192 |
| Noninterest expense to average assets | 3.9875% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5466% | 4,412 |
| Return on assets (ROA) | 0.5196% | 4,520 |
| Pretax return on assets | 0.6496% | 4,447 |
| Return on Equity (ROE) | 3.9175% | 4,608 |
| Retained earnings to average equity (ytd only) | 3.9175% | 3,444 |
| Net charge-offs to loans | -0.1626% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6463% | 571 |
| Assets per employee ($millions) | 7.0766% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1623% | 350 |
| Loan loss allowance to noncurrent loans | 3,487.0130% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 4,594 |
| Noncurrent loans to loans | 0.0620% | 4,356 |
| Net loans and leases to total assets | 44.3998% | 4,679 |
| Net loans and leases to deposits | 85.0158% | 2,318 |
| Net loans and leases to core deposits | 89.0548% | 2,631 |
| Total domestic deposits to total assets | 52.2254% | 5,199 |
| Equity capital to assets | 12.9325% | 1,666 |
| Core capital (leverage) ratio | 12.6850% | 1,486 |
| Tier 1 risk-based capital ratio | 21.3953% | 1,143 |
| Total risk-based capital ratio | 22.6114% | 1,122 |
| Memoranda: | ||
| Average total assets | $789,608,000 | 984 |
| Average earning assets | $699,587,250 | 1,009 |
| Average equity | $104,725,250 | 865 |
| Average total loans | $355,888,250 | 1,403 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 4,798 |
| Cost of funding earning assets | 1.3396% | 662 |
| Net interest margin | 2.3914% | 5,166 |
| Noninterest income to average assets | 2.6320% | 187 |
| Noninterest expense to average assets | 3.7465% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7888% | 3,695 |
| Return on assets (ROA) | 0.7618% | 3,849 |
| Pretax return on assets | 0.9677% | 3,654 |
| Return on Equity (ROE) | 5.6942% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.6942% | 2,421 |
| Net charge-offs to loans | -0.2637% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1766% | 1,125 |
| Assets per employee ($millions) | 7.3954% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2437% | 316 |
| Loan loss allowance to noncurrent loans | 2,190.5149% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 4,543 |
| Noncurrent loans to loans | 0.1024% | 4,209 |
| Net loans and leases to total assets | 43.2910% | 4,745 |
| Net loans and leases to deposits | 86.6886% | 2,174 |
| Net loans and leases to core deposits | 91.0280% | 2,505 |
| Total domestic deposits to total assets | 49.9385% | 5,251 |
| Equity capital to assets | 13.0398% | 1,565 |
| Core capital (leverage) ratio | 13.3258% | 1,180 |
| Tier 1 risk-based capital ratio | 21.2944% | 1,143 |
| Total risk-based capital ratio | 22.4991% | 1,131 |
| Memoranda: | ||
| Average total assets | $779,182,000 | 997 |
| Average earning assets | $687,222,000 | 1,022 |
| Average equity | $104,246,670 | 859 |
| Average total loans | $350,342,000 | 1,436 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 4,933 |
| Cost of funding earning assets | 1.2544% | 757 |
| Net interest margin | 2.3772% | 5,232 |
| Noninterest income to average assets | 2.6708% | 172 |
| Noninterest expense to average assets | 3.7070% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8393% | 3,488 |
| Return on assets (ROA) | 0.8220% | 3,584 |
| Pretax return on assets | 1.0435% | 3,301 |
| Return on Equity (ROE) | 6.0621% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.0621% | 2,434 |
| Net charge-offs to loans | -0.5351% | 5,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8909% | 1,391 |
| Assets per employee ($millions) | 7.0804% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3506% | 285 |
| Loan loss allowance to noncurrent loans | 1,388.8316% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 4,246 |
| Noncurrent loans to loans | 0.1693% | 3,992 |
| Net loans and leases to total assets | 43.5088% | 4,762 |
| Net loans and leases to deposits | 81.3463% | 2,688 |
| Net loans and leases to core deposits | 85.1374% | 2,944 |
| Total domestic deposits to total assets | 53.4859% | 5,303 |
| Equity capital to assets | 13.5219% | 1,204 |
| Core capital (leverage) ratio | 13.8303% | 994 |
| Tier 1 risk-based capital ratio | 21.8162% | 1,072 |
| Total risk-based capital ratio | 23.0131% | 1,057 |
| Memoranda: | ||
| Average total assets | $762,026,500 | 1,012 |
| Average earning assets | $672,214,500 | 1,044 |
| Average equity | $103,331,000 | 864 |
| Average total loans | $345,387,000 | 1,460 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3831% | 5,023 |
| Cost of funding earning assets | 0.9453% | 942 |
| Net interest margin | 2.4379% | 5,236 |
| Noninterest income to average assets | 2.7773% | 169 |
| Noninterest expense to average assets | 3.9361% | 586 |
| Loan and lease loss provision to assets | -0.0478% | 5,191 |
| Net operating income to assets | 0.8375% | 3,660 |
| Return on assets (ROA) | 0.8204% | 3,730 |
| Pretax return on assets | 1.0272% | 3,520 |
| Return on Equity (ROE) | 6.2514% | 4,091 |
| Retained earnings to average equity (ytd only) | 6.2514% | 2,060 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8365% | 1,053 |
| Assets per employee ($millions) | 7.0980% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1969% | 332 |
| Loan loss allowance to noncurrent loans | 652.4829% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 4,050 |
| Noncurrent loans to loans | 0.3367% | 3,346 |
| Net loans and leases to total assets | 45.0942% | 4,778 |
| Net loans and leases to deposits | 81.7260% | 2,769 |
| Net loans and leases to core deposits | 85.2517% | 2,976 |
| Total domestic deposits to total assets | 55.1773% | 5,347 |
| Equity capital to assets | 13.5695% | 1,117 |
| Core capital (leverage) ratio | 13.9044% | 949 |
| Tier 1 risk-based capital ratio | 21.5349% | 1,087 |
| Total risk-based capital ratio | 22.7402% | 1,076 |
| Memoranda: | ||
| Average total assets | $731,477,800 | 1,016 |
| Average earning assets | $646,706,800 | 1,055 |
| Average equity | $95,993,800 | 885 |
| Average total loans | $314,534,400 | 1,536 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3629% | 5,071 |
| Cost of funding earning assets | 0.8907% | 960 |
| Net interest margin | 2.4721% | 5,292 |
| Noninterest income to average assets | 2.8010% | 177 |
| Noninterest expense to average assets | 3.8733% | 609 |
| Loan and lease loss provision to assets | -0.0643% | 5,313 |
| Net operating income to assets | 0.9486% | 3,312 |
| Return on assets (ROA) | 0.9183% | 3,447 |
| Pretax return on assets | 1.1485% | 3,202 |
| Return on Equity (ROE) | 7.0597% | 3,915 |
| Retained earnings to average equity (ytd only) | 7.0597% | 2,097 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6977% | 1,269 |
| Assets per employee ($millions) | 6.8824% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4166% | 265 |
| Loan loss allowance to noncurrent loans | 715.5869% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 4,221 |
| Noncurrent loans to loans | 0.3377% | 3,452 |
| Net loans and leases to total assets | 42.1834% | 4,952 |
| Net loans and leases to deposits | 70.4247% | 3,886 |
| Net loans and leases to core deposits | 73.3324% | 3,991 |
| Total domestic deposits to total assets | 59.8986% | 5,394 |
| Equity capital to assets | 13.8146% | 1,019 |
| Core capital (leverage) ratio | 14.0360% | 930 |
| Tier 1 risk-based capital ratio | 23.2379% | 916 |
| Total risk-based capital ratio | 24.4248% | 894 |
| Memoranda: | ||
| Average total assets | $726,250,500 | 1,026 |
| Average earning assets | $642,453,500 | 1,061 |
| Average equity | $94,468,500 | 890 |
| Average total loans | $306,442,000 | 1,575 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3442% | 5,097 |
| Cost of funding earning assets | 0.8310% | 1,000 |
| Net interest margin | 2.5132% | 5,336 |
| Noninterest income to average assets | 2.7550% | 183 |
| Noninterest expense to average assets | 3.8265% | 654 |
| Loan and lease loss provision to assets | -0.0965% | 5,423 |
| Net operating income to assets | 1.0254% | 2,914 |
| Return on assets (ROA) | 0.9670% | 3,160 |
| Pretax return on assets | 1.2028% | 2,933 |
| Return on Equity (ROE) | 7.5917% | 3,682 |
| Retained earnings to average equity (ytd only) | 7.5917% | 1,799 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7032% | 1,466 |
| Assets per employee ($millions) | 6.5615% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4607% | 256 |
| Loan loss allowance to noncurrent loans | 627.7595% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 4,118 |
| Noncurrent loans to loans | 0.3920% | 3,289 |
| Net loans and leases to total assets | 43.0277% | 4,948 |
| Net loans and leases to deposits | 72.2920% | 3,685 |
| Net loans and leases to core deposits | 75.4810% | 3,779 |
| Total domestic deposits to total assets | 59.5193% | 5,453 |
| Equity capital to assets | 14.1641% | 887 |
| Core capital (leverage) ratio | 13.2038% | 1,156 |
| Tier 1 risk-based capital ratio | 24.0605% | 829 |
| Total risk-based capital ratio | 25.2571% | 802 |
| Memoranda: | ||
| Average total assets | $725,157,000 | 1,026 |
| Average earning assets | $645,235,670 | 1,059 |
| Average equity | $92,364,000 | 904 |
| Average total loans | $303,468,670 | 1,582 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3084% | 5,130 |
| Cost of funding earning assets | 0.7675% | 1,109 |
| Net interest margin | 2.5408% | 5,361 |
| Noninterest income to average assets | 2.8061% | 169 |
| Noninterest expense to average assets | 3.5684% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2407% | 1,845 |
| Return on assets (ROA) | 1.1831% | 2,090 |
| Pretax return on assets | 1.4557% | 1,817 |
| Return on Equity (ROE) | 9.8127% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.8127% | 1,219 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2916% | 2,618 |
| Assets per employee ($millions) | 8.6270% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4859% | 255 |
| Loan loss allowance to noncurrent loans | 640.7556% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 4,338 |
| Noncurrent loans to loans | 0.3880% | 3,395 |
| Net loans and leases to total assets | 37.3645% | 5,161 |
| Net loans and leases to deposits | 56.6705% | 4,663 |
| Net loans and leases to core deposits | 59.0067% | 4,700 |
| Total domestic deposits to total assets | 65.9330% | 5,465 |
| Equity capital to assets | 11.7361% | 1,961 |
| Core capital (leverage) ratio | 12.1332% | 1,569 |
| Tier 1 risk-based capital ratio | 23.1063% | 931 |
| Total risk-based capital ratio | 24.2942% | 912 |
| Memoranda: | ||
| Average total assets | $736,693,000 | 1,021 |
| Average earning assets | $659,785,000 | 1,054 |
| Average equity | $88,824,000 | 944 |
| Average total loans | $300,347,000 | 1,599 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8575% | 5,436 |
| Cost of funding earning assets | 0.7653% | 761 |
| Net interest margin | 2.0922% | 5,559 |
| Noninterest income to average assets | 2.0343% | 293 |
| Noninterest expense to average assets | 2.9071% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4514% | 4,531 |
| Return on assets (ROA) | 0.4363% | 4,600 |
| Pretax return on assets | 0.9961% | 3,587 |
| Return on Equity (ROE) | 3.4665% | 4,695 |
| Retained earnings to average equity (ytd only) | 3.4665% | 3,202 |
| Net charge-offs to loans | 0.1549% | 1,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 15.1507% | 2,266 |
| Efficiency ratio | 74.1911% | 1,870 |
| Assets per employee ($millions) | 7.8601% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8463% | 170 |
| Loan loss allowance to noncurrent loans | 349.6053% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 3,433 |
| Noncurrent loans to loans | 0.8141% | 2,174 |
| Net loans and leases to total assets | 42.7348% | 5,044 |
| Net loans and leases to deposits | 69.7857% | 3,897 |
| Net loans and leases to core deposits | 73.7298% | 3,897 |
| Total domestic deposits to total assets | 61.2372% | 5,576 |
| Equity capital to assets | 12.4812% | 1,528 |
| Core capital (leverage) ratio | 12.5109% | 1,349 |
| Tier 1 risk-based capital ratio | 21.6805% | 1,052 |
| Total risk-based capital ratio | 22.8316% | 1,044 |
| Memoranda: | ||
| Average total assets | $626,218,600 | 1,155 |
| Average earning assets | $563,955,000 | 1,175 |
| Average equity | $78,811,200 | 1,019 |
| Average total loans | $269,928,200 | 1,713 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7934% | 5,524 |
| Cost of funding earning assets | 0.7342% | 827 |
| Net interest margin | 2.0592% | 5,633 |
| Noninterest income to average assets | 2.2058% | 272 |
| Noninterest expense to average assets | 2.9030% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8398% | 3,326 |
| Return on assets (ROA) | 0.7366% | 3,863 |
| Pretax return on assets | 1.0603% | 3,459 |
| Return on Equity (ROE) | 5.8402% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.8402% | 2,345 |
| Net charge-offs to loans | 0.2194% | 990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 12.3682% | 2,430 |
| Efficiency ratio | 71.3880% | 2,305 |
| Assets per employee ($millions) | 7.5815% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8442% | 182 |
| Loan loss allowance to noncurrent loans | 192.8901% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,494 |
| Noncurrent loans to loans | 1.4745% | 1,264 |
| Net loans and leases to total assets | 44.2160% | 5,016 |
| Net loans and leases to deposits | 72.0110% | 3,771 |
| Net loans and leases to core deposits | 75.0273% | 3,888 |
| Total domestic deposits to total assets | 61.4017% | 5,646 |
| Equity capital to assets | 13.1216% | 1,327 |
| Core capital (leverage) ratio | 12.6512% | 1,353 |
| Tier 1 risk-based capital ratio | 21.8255% | 1,061 |
| Total risk-based capital ratio | 23.0885% | 1,044 |
| Memoranda: | ||
| Average total assets | $623,606,000 | 1,163 |
| Average earning assets | $563,514,000 | 1,180 |
| Average equity | $78,648,000 | 1,025 |
| Average total loans | $267,397,750 | 1,732 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6890% | 5,596 |
| Cost of funding earning assets | 0.6792% | 998 |
| Net interest margin | 2.0098% | 5,690 |
| Noninterest income to average assets | 2.3370% | 251 |
| Noninterest expense to average assets | 2.9488% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8992% | 2,917 |
| Return on assets (ROA) | 0.7400% | 3,736 |
| Pretax return on assets | 1.0619% | 3,333 |
| Return on Equity (ROE) | 5.9458% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.9458% | 2,152 |
| Net charge-offs to loans | -0.0175% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7147% | 2,550 |
| Assets per employee ($millions) | 8.1554% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0918% | 147 |
| Loan loss allowance to noncurrent loans | 280.2132% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 3,216 |
| Noncurrent loans to loans | 1.1034% | 1,776 |
| Net loans and leases to total assets | 41.4485% | 5,172 |
| Net loans and leases to deposits | 65.6143% | 4,250 |
| Net loans and leases to core deposits | 71.3072% | 4,139 |
| Total domestic deposits to total assets | 63.1698% | 5,673 |
| Equity capital to assets | 12.4860% | 1,631 |
| Core capital (leverage) ratio | 12.6468% | 1,316 |
| Tier 1 risk-based capital ratio | 22.1637% | 1,030 |
| Total risk-based capital ratio | 23.4532% | 1,005 |
| Memoranda: | ||
| Average total assets | $626,773,330 | 1,161 |
| Average earning assets | $571,586,330 | 1,178 |
| Average equity | $78,004,000 | 1,034 |
| Average total loans | $263,370,000 | 1,749 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6118% | 5,681 |
| Cost of funding earning assets | 0.6027% | 1,351 |
| Net interest margin | 2.0091% | 5,755 |
| Noninterest income to average assets | 2.5977% | 223 |
| Noninterest expense to average assets | 2.9783% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0886% | 1,915 |
| Return on assets (ROA) | 0.8230% | 3,166 |
| Pretax return on assets | 1.1992% | 2,598 |
| Return on Equity (ROE) | 6.6241% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.6241% | 2,015 |
| Net charge-offs to loans | -0.0340% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0333% | 3,340 |
| Assets per employee ($millions) | 8.2241% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1548% | 150 |
| Loan loss allowance to noncurrent loans | 409.6931% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 3,898 |
| Noncurrent loans to loans | 0.7700% | 2,547 |
| Net loans and leases to total assets | 40.7726% | 5,218 |
| Net loans and leases to deposits | 64.9829% | 4,252 |
| Net loans and leases to core deposits | 68.9906% | 4,222 |
| Total domestic deposits to total assets | 62.7435% | 5,752 |
| Equity capital to assets | 12.3365% | 1,640 |
| Core capital (leverage) ratio | 12.5892% | 1,293 |
| Tier 1 risk-based capital ratio | 22.0549% | 1,082 |
| Total risk-based capital ratio | 23.3485% | 1,060 |
| Memoranda: | ||
| Average total assets | $622,100,000 | 1,168 |
| Average earning assets | $571,412,500 | 1,176 |
| Average equity | $77,293,000 | 1,042 |
| Average total loans | $259,018,000 | 1,780 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5116% | 5,755 |
| Cost of funding earning assets | 0.4971% | 2,115 |
| Net interest margin | 2.0145% | 5,805 |
| Noninterest income to average assets | 2.2360% | 291 |
| Noninterest expense to average assets | 3.1166% | 1,985 |
| Loan and lease loss provision to assets | -0.0156% | 5,506 |
| Net operating income to assets | 0.7044% | 3,761 |
| Return on assets (ROA) | 0.6833% | 3,972 |
| Pretax return on assets | 0.9732% | 3,575 |
| Return on Equity (ROE) | 5.1908% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.1908% | 2,209 |
| Net charge-offs to loans | 0.0686% | 2,717 |
| Credit loss provision to net charge-offs | -56.6038% | 4,829 |
| Earnings coverage of net charge-offs (x) | 35.5912% | 1,283 |
| Efficiency ratio | 76.1022% | 1,967 |
| Assets per employee ($millions) | 7.7334% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3365% | 125 |
| Loan loss allowance to noncurrent loans | 394.4053% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 3,558 |
| Noncurrent loans to loans | 0.8460% | 2,409 |
| Net loans and leases to total assets | 39.7816% | 5,325 |
| Net loans and leases to deposits | 65.7663% | 4,263 |
| Net loans and leases to core deposits | 71.1959% | 4,136 |
| Total domestic deposits to total assets | 60.4894% | 5,822 |
| Equity capital to assets | 12.5177% | 1,517 |
| Core capital (leverage) ratio | 12.6163% | 1,293 |
| Tier 1 risk-based capital ratio | 22.4495% | 1,022 |
| Total risk-based capital ratio | 23.6180% | 1,015 |
| Memoranda: | ||
| Average total assets | $578,220,800 | 1,207 |
| Average earning assets | $533,690,600 | 1,202 |
| Average equity | $76,115,600 | 1,043 |
| Average total loans | $231,671,200 | 1,894 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5205% | 5,819 |
| Cost of funding earning assets | 0.4865% | 2,205 |
| Net interest margin | 2.0339% | 5,868 |
| Noninterest income to average assets | 2.3733% | 279 |
| Noninterest expense to average assets | 3.1021% | 2,024 |
| Loan and lease loss provision to assets | -0.0211% | 5,671 |
| Net operating income to assets | 0.8397% | 3,198 |
| Return on assets (ROA) | 0.7541% | 3,714 |
| Pretax return on assets | 1.0829% | 3,303 |
| Return on Equity (ROE) | 5.6541% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.6541% | 2,398 |
| Net charge-offs to loans | 0.0964% | 1,983 |
| Credit loss provision to net charge-offs | -54.8780% | 4,690 |
| Earnings coverage of net charge-offs (x) | 29.9148% | 1,492 |
| Efficiency ratio | 72.9980% | 2,442 |
| Assets per employee ($millions) | 7.7094% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5419% | 112 |
| Loan loss allowance to noncurrent loans | 503.2413% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 3,896 |
| Noncurrent loans to loans | 0.7038% | 2,928 |
| Net loans and leases to total assets | 39.4890% | 5,405 |
| Net loans and leases to deposits | 62.7421% | 4,579 |
| Net loans and leases to core deposits | 66.8760% | 4,550 |
| Total domestic deposits to total assets | 62.9386% | 5,858 |
| Equity capital to assets | 13.3913% | 1,292 |
| Core capital (leverage) ratio | 12.8365% | 1,248 |
| Tier 1 risk-based capital ratio | 22.7480% | 1,036 |
| Total risk-based capital ratio | 24.0331% | 1,017 |
| Memoranda: | ||
| Average total assets | $570,042,250 | 1,226 |
| Average earning assets | $525,869,500 | 1,216 |
| Average equity | $76,025,750 | 1,047 |
| Average total loans | $226,731,750 | 1,932 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5417% | 5,889 |
| Cost of funding earning assets | 0.4732% | 2,336 |
| Net interest margin | 2.0685% | 5,938 |
| Noninterest income to average assets | 2.4617% | 260 |
| Noninterest expense to average assets | 3.1298% | 1,979 |
| Loan and lease loss provision to assets | -0.1393% | 5,901 |
| Net operating income to assets | 0.9920% | 2,426 |
| Return on assets (ROA) | 0.8704% | 3,118 |
| Pretax return on assets | 1.2667% | 2,532 |
| Return on Equity (ROE) | 6.5354% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.5354% | 1,857 |
| Net charge-offs to loans | -0.0098% | 4,689 |
| Credit loss provision to net charge-offs | 3,590.9091% | 124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4757% | 2,748 |
| Assets per employee ($millions) | 7.3459% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8145% | 99 |
| Loan loss allowance to noncurrent loans | 445.6803% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 3,649 |
| Noncurrent loans to loans | 0.8559% | 2,600 |
| Net loans and leases to total assets | 36.3243% | 5,591 |
| Net loans and leases to deposits | 58.1723% | 4,891 |
| Net loans and leases to core deposits | 61.6482% | 4,902 |
| Total domestic deposits to total assets | 62.4426% | 5,948 |
| Equity capital to assets | 13.3735% | 1,296 |
| Core capital (leverage) ratio | 12.9239% | 1,181 |
| Tier 1 risk-based capital ratio | 24.9740% | 812 |
| Total risk-based capital ratio | 26.2561% | 797 |
| Memoranda: | ||
| Average total assets | $567,322,330 | 1,237 |
| Average earning assets | $525,796,000 | 1,223 |
| Average equity | $75,558,000 | 1,059 |
| Average total loans | $223,405,670 | 1,962 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5624% | 5,947 |
| Cost of funding earning assets | 0.4528% | 2,552 |
| Net interest margin | 2.1096% | 5,991 |
| Noninterest income to average assets | 2.4312% | 263 |
| Noninterest expense to average assets | 3.1030% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9325% | 2,595 |
| Return on assets (ROA) | 0.8007% | 3,363 |
| Pretax return on assets | 1.1607% | 2,847 |
| Return on Equity (ROE) | 6.0248% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.0248% | 2,359 |
| Net charge-offs to loans | -0.0423% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5949% | 3,030 |
| Assets per employee ($millions) | 7.1634% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8313% | 103 |
| Loan loss allowance to noncurrent loans | 397.3394% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 3,634 |
| Noncurrent loans to loans | 0.9642% | 2,451 |
| Net loans and leases to total assets | 39.4182% | 5,487 |
| Net loans and leases to deposits | 60.0577% | 4,713 |
| Net loans and leases to core deposits | 63.3235% | 4,732 |
| Total domestic deposits to total assets | 65.6339% | 5,972 |
| Equity capital to assets | 13.7003% | 1,089 |
| Core capital (leverage) ratio | 12.9516% | 1,178 |
| Tier 1 risk-based capital ratio | 24.4612% | 867 |
| Total risk-based capital ratio | 25.7607% | 847 |
| Memoranda: | ||
| Average total assets | $564,495,000 | 1,245 |
| Average earning assets | $525,599,000 | 1,226 |
| Average equity | $75,023,500 | 1,062 |
| Average total loans | $226,916,500 | 1,939 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2605% | 6,061 |
| Cost of funding earning assets | 0.3774% | 3,398 |
| Net interest margin | 1.8831% | 6,065 |
| Noninterest income to average assets | 2.2012% | 309 |
| Noninterest expense to average assets | 3.1376% | 2,124 |
| Loan and lease loss provision to assets | -0.0710% | 5,789 |
| Net operating income to assets | 0.6336% | 4,120 |
| Return on assets (ROA) | 0.6010% | 4,363 |
| Pretax return on assets | 0.8491% | 4,027 |
| Return on Equity (ROE) | 4.7558% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.3939% | 2,848 |
| Net charge-offs to loans | 0.3274% | 912 |
| Credit loss provision to net charge-offs | -58.4879% | 5,066 |
| Earnings coverage of net charge-offs (x) | 6.6748% | 3,185 |
| Efficiency ratio | 79.4682% | 1,752 |
| Assets per employee ($millions) | 7.7008% | 634 |
| Cash dividends to net income (ytd only)* | 7.6103% | 4,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7928% | 100 |
| Loan loss allowance to noncurrent loans | 245.3977% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 2,943 |
| Noncurrent loans to loans | 1.5456% | 1,490 |
| Net loans and leases to total assets | 37.9369% | 5,623 |
| Net loans and leases to deposits | 58.7569% | 4,863 |
| Net loans and leases to core deposits | 61.8121% | 4,886 |
| Total domestic deposits to total assets | 64.5659% | 6,042 |
| Equity capital to assets | 12.8943% | 1,401 |
| Core capital (leverage) ratio | 12.1867% | 1,508 |
| Tier 1 risk-based capital ratio | 24.1881% | 906 |
| Total risk-based capital ratio | 25.4763% | 880 |
| Memoranda: | ||
| Average total assets | $577,187,800 | 1,182 |
| Average earning assets | $535,504,800 | 1,173 |
| Average equity | $72,941,800 | 1,048 |
| Average total loans | $214,092,600 | 1,962 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2035% | 6,168 |
| Cost of funding earning assets | 0.3638% | 3,615 |
| Net interest margin | 1.8397% | 6,164 |
| Noninterest income to average assets | 2.2059% | 311 |
| Noninterest expense to average assets | 3.0924% | 2,242 |
| Loan and lease loss provision to assets | -0.0947% | 5,990 |
| Net operating income to assets | 0.6490% | 4,137 |
| Return on assets (ROA) | 0.6132% | 4,425 |
| Pretax return on assets | 0.8749% | 4,068 |
| Return on Equity (ROE) | 4.8768% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.8768% | 3,003 |
| Net charge-offs to loans | 0.3993% | 639 |
| Credit loss provision to net charge-offs | -64.9762% | 4,993 |
| Earnings coverage of net charge-offs (x) | 5.5975% | 3,180 |
| Efficiency ratio | 79.1216% | 1,787 |
| Assets per employee ($millions) | 7.8072% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0436% | 92 |
| Loan loss allowance to noncurrent loans | 178.1506% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.9394% | 2,512 |
| Noncurrent loans to loans | 2.2698% | 953 |
| Net loans and leases to total assets | 34.3742% | 5,846 |
| Net loans and leases to deposits | 50.4144% | 5,457 |
| Net loans and leases to core deposits | 52.7868% | 5,469 |
| Total domestic deposits to total assets | 68.1832% | 6,034 |
| Equity capital to assets | 12.3249% | 1,858 |
| Core capital (leverage) ratio | 12.5733% | 1,371 |
| Tier 1 risk-based capital ratio | 24.3505% | 912 |
| Total risk-based capital ratio | 25.6248% | 899 |
| Memoranda: | ||
| Average total assets | $577,095,000 | 1,184 |
| Average earning assets | $534,049,250 | 1,187 |
| Average equity | $72,559,250 | 1,057 |
| Average total loans | $210,679,250 | 2,000 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2105% | 6,237 |
| Cost of funding earning assets | 0.3668% | 3,632 |
| Net interest margin | 1.8437% | 6,238 |
| Noninterest income to average assets | 2.1867% | 321 |
| Noninterest expense to average assets | 3.1166% | 2,194 |
| Loan and lease loss provision to assets | -0.1441% | 6,125 |
| Net operating income to assets | 0.6488% | 4,126 |
| Return on assets (ROA) | 0.6277% | 4,338 |
| Pretax return on assets | 0.8980% | 3,967 |
| Return on Equity (ROE) | 4.9578% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.9578% | 2,884 |
| Net charge-offs to loans | 0.5996% | 395 |
| Credit loss provision to net charge-offs | -65.3907% | 4,842 |
| Earnings coverage of net charge-offs (x) | 3.5167% | 3,183 |
| Efficiency ratio | 80.0867% | 1,744 |
| Assets per employee ($millions) | 7.4211% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1216% | 96 |
| Loan loss allowance to noncurrent loans | 153.5966% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 2,196 |
| Noncurrent loans to loans | 2.6834% | 806 |
| Net loans and leases to total assets | 36.4113% | 5,796 |
| Net loans and leases to deposits | 53.5980% | 5,283 |
| Net loans and leases to core deposits | 55.5726% | 5,335 |
| Total domestic deposits to total assets | 67.9340% | 6,113 |
| Equity capital to assets | 13.0738% | 1,366 |
| Core capital (leverage) ratio | 12.4539% | 1,402 |
| Tier 1 risk-based capital ratio | 24.4632% | 910 |
| Total risk-based capital ratio | 25.7130% | 893 |
| Memoranda: | ||
| Average total assets | $569,074,000 | 1,206 |
| Average earning assets | $526,211,000 | 1,209 |
| Average equity | $72,048,330 | 1,067 |
| Average total loans | $209,122,000 | 2,019 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1315% | 6,322 |
| Cost of funding earning assets | 0.3540% | 3,814 |
| Net interest margin | 1.7775% | 6,316 |
| Noninterest income to average assets | 2.2186% | 317 |
| Noninterest expense to average assets | 3.1141% | 2,226 |
| Loan and lease loss provision to assets | -0.2851% | 6,304 |
| Net operating income to assets | 0.7405% | 3,592 |
| Return on assets (ROA) | 0.6828% | 4,012 |
| Pretax return on assets | 0.9866% | 3,549 |
| Return on Equity (ROE) | 5.4792% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.4792% | 2,792 |
| Net charge-offs to loans | 0.0750% | 1,958 |
| Credit loss provision to net charge-offs | -1,051.2821% | 4,992 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,189 |
| Efficiency ratio | 80.3985% | 1,848 |
| Assets per employee ($millions) | 7.8836% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4811% | 90 |
| Loan loss allowance to noncurrent loans | 145.1537% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.2455% | 2,147 |
| Noncurrent loans to loans | 3.0872% | 679 |
| Net loans and leases to total assets | 33.9805% | 5,928 |
| Net loans and leases to deposits | 49.7056% | 5,478 |
| Net loans and leases to core deposits | 51.4386% | 5,522 |
| Total domestic deposits to total assets | 68.3635% | 6,187 |
| Equity capital to assets | 12.4093% | 1,748 |
| Core capital (leverage) ratio | 12.1481% | 1,546 |
| Tier 1 risk-based capital ratio | 25.6263% | 824 |
| Total risk-based capital ratio | 27.0625% | 789 |
| Memoranda: | ||
| Average total assets | $575,318,000 | 1,197 |
| Average earning assets | $535,579,000 | 1,191 |
| Average equity | $71,689,000 | 1,074 |
| Average total loans | $207,997,000 | 2,027 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3753% | 6,360 |
| Cost of funding earning assets | 0.3778% | 3,933 |
| Net interest margin | 1.9976% | 6,372 |
| Noninterest income to average assets | 2.4477% | 245 |
| Noninterest expense to average assets | 3.2458% | 2,085 |
| Loan and lease loss provision to assets | -0.0724% | 6,095 |
| Net operating income to assets | 0.8323% | 3,210 |
| Return on assets (ROA) | 0.7570% | 3,693 |
| Pretax return on assets | 1.0206% | 3,417 |
| Return on Equity (ROE) | 6.0140% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.4825% | 2,271 |
| Net charge-offs to loans | 0.2085% | 2,001 |
| Credit loss provision to net charge-offs | -93.1604% | 5,506 |
| Earnings coverage of net charge-offs (x) | 13.1156% | 2,303 |
| Efficiency ratio | 76.1013% | 2,493 |
| Assets per employee ($millions) | 7.6673% | 613 |
| Cash dividends to net income (ytd only)* | 8.8378% | 4,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6767% | 81 |
| Loan loss allowance to noncurrent loans | 144.1307% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.3435% | 2,088 |
| Noncurrent loans to loans | 3.2448% | 667 |
| Net loans and leases to total assets | 35.0222% | 5,993 |
| Net loans and leases to deposits | 52.7839% | 5,425 |
| Net loans and leases to core deposits | 54.0954% | 5,497 |
| Total domestic deposits to total assets | 66.3501% | 6,316 |
| Equity capital to assets | 12.5130% | 1,642 |
| Core capital (leverage) ratio | 12.2033% | 1,497 |
| Tier 1 risk-based capital ratio | 26.0473% | 761 |
| Total risk-based capital ratio | 27.3283% | 742 |
| Memoranda: | ||
| Average total assets | $545,574,800 | 1,224 |
| Average earning assets | $496,354,800 | 1,239 |
| Average equity | $68,673,400 | 1,073 |
| Average total loans | $203,342,400 | 2,012 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4032% | 6,436 |
| Cost of funding earning assets | 0.3852% | 3,955 |
| Net interest margin | 2.0180% | 6,448 |
| Noninterest income to average assets | 2.5574% | 235 |
| Noninterest expense to average assets | 3.2024% | 2,172 |
| Loan and lease loss provision to assets | -0.0975% | 6,267 |
| Net operating income to assets | 0.9226% | 2,808 |
| Return on assets (ROA) | 0.7973% | 3,539 |
| Pretax return on assets | 1.1597% | 2,949 |
| Return on Equity (ROE) | 6.3245% | 4,068 |
| Retained earnings to average equity (ytd only) | 6.3245% | 2,203 |
| Net charge-offs to loans | 0.2732% | 1,439 |
| Credit loss provision to net charge-offs | -95.4106% | 5,442 |
| Earnings coverage of net charge-offs (x) | 11.5555% | 2,414 |
| Efficiency ratio | 73.0585% | 2,978 |
| Assets per employee ($millions) | 7.3197% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6383% | 98 |
| Loan loss allowance to noncurrent loans | 150.4857% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.3907% | 2,219 |
| Noncurrent loans to loans | 3.0822% | 852 |
| Net loans and leases to total assets | 37.5497% | 5,964 |
| Net loans and leases to deposits | 55.8885% | 5,247 |
| Net loans and leases to core deposits | 56.9157% | 5,397 |
| Total domestic deposits to total assets | 67.1867% | 6,375 |
| Equity capital to assets | 13.0965% | 1,381 |
| Core capital (leverage) ratio | 12.6721% | 1,320 |
| Tier 1 risk-based capital ratio | 26.1637% | 770 |
| Total risk-based capital ratio | 27.4446% | 749 |
| Memoranda: | ||
| Average total assets | $540,124,000 | 1,245 |
| Average earning assets | $488,717,750 | 1,269 |
| Average equity | $68,092,750 | 1,084 |
| Average total loans | $202,063,750 | 2,036 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4089% | 6,504 |
| Cost of funding earning assets | 0.3856% | 4,045 |
| Net interest margin | 2.0234% | 6,514 |
| Noninterest income to average assets | 2.5311% | 236 |
| Noninterest expense to average assets | 3.1595% | 2,307 |
| Loan and lease loss provision to assets | -0.1457% | 6,422 |
| Net operating income to assets | 0.9555% | 2,528 |
| Return on assets (ROA) | 0.8331% | 3,255 |
| Pretax return on assets | 1.2209% | 2,569 |
| Return on Equity (ROE) | 6.6939% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.6939% | 1,931 |
| Net charge-offs to loans | 0.3643% | 1,122 |
| Credit loss provision to net charge-offs | -108.8154% | 5,273 |
| Earnings coverage of net charge-offs (x) | 8.8678% | 2,434 |
| Efficiency ratio | 72.6787% | 3,215 |
| Assets per employee ($millions) | 7.1966% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8216% | 93 |
| Loan loss allowance to noncurrent loans | 160.9516% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.6649% | 1,950 |
| Noncurrent loans to loans | 2.9957% | 970 |
| Net loans and leases to total assets | 37.3727% | 5,988 |
| Net loans and leases to deposits | 55.2015% | 5,265 |
| Net loans and leases to core deposits | 56.2989% | 5,391 |
| Total domestic deposits to total assets | 67.7023% | 6,432 |
| Equity capital to assets | 13.3094% | 1,224 |
| Core capital (leverage) ratio | 12.1092% | 1,598 |
| Tier 1 risk-based capital ratio | 25.1597% | 853 |
| Total risk-based capital ratio | 26.4400% | 835 |
| Memoranda: | ||
| Average total assets | $542,053,670 | 1,242 |
| Average earning assets | $486,519,670 | 1,268 |
| Average equity | $67,464,000 | 1,084 |
| Average total loans | $199,285,000 | 2,050 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3211% | 6,591 |
| Cost of funding earning assets | 0.3643% | 4,389 |
| Net interest margin | 1.9568% | 6,601 |
| Noninterest income to average assets | 2.4686% | 243 |
| Noninterest expense to average assets | 2.9812% | 2,930 |
| Loan and lease loss provision to assets | -0.1805% | 6,554 |
| Net operating income to assets | 0.9706% | 2,320 |
| Return on assets (ROA) | 0.9711% | 2,386 |
| Pretax return on assets | 1.4411% | 1,605 |
| Return on Equity (ROE) | 8.0642% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.0642% | 1,569 |
| Net charge-offs to loans | 0.3306% | 1,080 |
| Credit loss provision to net charge-offs | -153.3742% | 4,923 |
| Earnings coverage of net charge-offs (x) | 10.7055% | 1,840 |
| Efficiency ratio | 70.2928% | 3,785 |
| Assets per employee ($millions) | 7.9435% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1658% | 86 |
| Loan loss allowance to noncurrent loans | 233.6631% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 1.2325% | 2,791 |
| Noncurrent loans to loans | 2.2108% | 1,641 |
| Net loans and leases to total assets | 33.0547% | 6,223 |
| Net loans and leases to deposits | 49.1588% | 5,654 |
| Net loans and leases to core deposits | 51.1056% | 5,681 |
| Total domestic deposits to total assets | 67.2407% | 6,533 |
| Equity capital to assets | 12.0012% | 1,865 |
| Core capital (leverage) ratio | 12.1017% | 1,598 |
| Tier 1 risk-based capital ratio | 25.5665% | 826 |
| Total risk-based capital ratio | 26.8502% | 802 |
| Memoranda: | ||
| Average total assets | $554,003,500 | 1,207 |
| Average earning assets | $501,830,500 | 1,236 |
| Average equity | $66,714,500 | 1,096 |
| Average total loans | $197,198,500 | 2,079 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3888% | 6,649 |
| Cost of funding earning assets | 0.3066% | 5,547 |
| Net interest margin | 2.0822% | 6,628 |
| Noninterest income to average assets | 1.9947% | 392 |
| Noninterest expense to average assets | 3.2770% | 2,200 |
| Loan and lease loss provision to assets | -0.1747% | 6,574 |
| Net operating income to assets | 0.5426% | 4,543 |
| Return on assets (ROA) | 0.6249% | 4,252 |
| Pretax return on assets | 0.8909% | 3,802 |
| Return on Equity (ROE) | 5.4156% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.0564% | 2,556 |
| Net charge-offs to loans | 0.3561% | 1,896 |
| Credit loss provision to net charge-offs | -134.5254% | 5,928 |
| Earnings coverage of net charge-offs (x) | 4.7552% | 3,471 |
| Efficiency ratio | 84.1429% | 1,614 |
| Assets per employee ($millions) | 7.6622% | 557 |
| Cash dividends to net income (ytd only)* | 6.6324% | 4,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3423% | 79 |
| Loan loss allowance to noncurrent loans | 223.8983% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 1.3465% | 2,735 |
| Noncurrent loans to loans | 2.3861% | 1,604 |
| Net loans and leases to total assets | 34.4196% | 6,270 |
| Net loans and leases to deposits | 49.9881% | 5,770 |
| Net loans and leases to core deposits | 51.7769% | 5,811 |
| Total domestic deposits to total assets | 68.8556% | 6,562 |
| Equity capital to assets | 12.0848% | 1,746 |
| Core capital (leverage) ratio | 11.4825% | 1,975 |
| Tier 1 risk-based capital ratio | 24.8325% | 867 |
| Total risk-based capital ratio | 26.1178% | 852 |
| Memoranda: | ||
| Average total assets | $559,773,800 | 1,178 |
| Average earning assets | $510,755,000 | 1,188 |
| Average equity | $64,591,600 | 1,109 |
| Average total loans | $204,129,600 | 1,969 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3781% | 6,735 |
| Cost of funding earning assets | 0.3025% | 5,711 |
| Net interest margin | 2.0756% | 6,703 |
| Noninterest income to average assets | 1.9906% | 422 |
| Noninterest expense to average assets | 3.2302% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4509% | 5,025 |
| Return on assets (ROA) | 0.5523% | 4,722 |
| Pretax return on assets | 0.7805% | 4,370 |
| Return on Equity (ROE) | 4.8415% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.8415% | 3,204 |
| Net charge-offs to loans | 0.3889% | 1,649 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.6333% | 3,390 |
| Efficiency ratio | 83.0869% | 1,699 |
| Assets per employee ($millions) | 7.9662% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9323% | 57 |
| Loan loss allowance to noncurrent loans | 295.0708% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 3,334 |
| Noncurrent loans to loans | 2.0105% | 2,237 |
| Net loans and leases to total assets | 33.1935% | 6,404 |
| Net loans and leases to deposits | 49.9592% | 5,836 |
| Net loans and leases to core deposits | 50.5388% | 5,984 |
| Total domestic deposits to total assets | 66.4411% | 6,698 |
| Equity capital to assets | 11.6420% | 2,175 |
| Core capital (leverage) ratio | 10.9925% | 2,487 |
| Tier 1 risk-based capital ratio | 24.0622% | 993 |
| Total risk-based capital ratio | 25.3508% | 973 |
| Memoranda: | ||
| Average total assets | $563,713,500 | 1,186 |
| Average earning assets | $515,250,750 | 1,190 |
| Average equity | $64,303,750 | 1,123 |
| Average total loans | $205,708,000 | 1,970 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3129% | 6,795 |
| Cost of funding earning assets | 0.3010% | 5,822 |
| Net interest margin | 2.0118% | 6,761 |
| Noninterest income to average assets | 2.0221% | 436 |
| Noninterest expense to average assets | 3.3584% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3225% | 5,513 |
| Return on assets (ROA) | 0.5398% | 4,774 |
| Pretax return on assets | 0.7615% | 4,461 |
| Return on Equity (ROE) | 4.7646% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.7646% | 3,212 |
| Net charge-offs to loans | 0.5233% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.6245% | 3,648 |
| Efficiency ratio | 86.8929% | 1,325 |
| Assets per employee ($millions) | 7.8656% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0823% | 57 |
| Loan loss allowance to noncurrent loans | 235.0571% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3249% | 3,124 |
| Noncurrent loans to loans | 2.5876% | 1,780 |
| Net loans and leases to total assets | 31.9742% | 6,510 |
| Net loans and leases to deposits | 51.6983% | 5,710 |
| Net loans and leases to core deposits | 52.3518% | 5,861 |
| Total domestic deposits to total assets | 61.8477% | 6,822 |
| Equity capital to assets | 11.2609% | 2,509 |
| Core capital (leverage) ratio | 10.9716% | 2,383 |
| Tier 1 risk-based capital ratio | 24.7960% | 894 |
| Total risk-based capital ratio | 26.0875% | 875 |
| Memoranda: | ||
| Average total assets | $565,740,000 | 1,184 |
| Average earning assets | $518,230,670 | 1,191 |
| Average equity | $64,098,330 | 1,137 |
| Average total loans | $208,687,000 | 1,949 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2800% | 6,873 |
| Cost of funding earning assets | 0.3019% | 5,952 |
| Net interest margin | 1.9781% | 6,851 |
| Noninterest income to average assets | 2.0359% | 427 |
| Noninterest expense to average assets | 3.7429% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0062% | 6,352 |
| Return on assets (ROA) | 0.4754% | 4,960 |
| Pretax return on assets | 0.6621% | 4,742 |
| Return on Equity (ROE) | 4.1829% | 5,004 |
| Retained earnings to average equity (ytd only) | 4.1829% | 3,713 |
| Net charge-offs to loans | 0.1034% | 2,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6607% | 2,976 |
| Efficiency ratio | 97.2610% | 670 |
| Assets per employee ($millions) | 7.8930% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6961% | 93 |
| Loan loss allowance to noncurrent loans | 122.0967% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 2.2713% | 2,056 |
| Noncurrent loans to loans | 4.6652% | 866 |
| Net loans and leases to total assets | 34.6294% | 6,384 |
| Net loans and leases to deposits | 52.6380% | 5,563 |
| Net loans and leases to core deposits | 53.0207% | 5,747 |
| Total domestic deposits to total assets | 65.7878% | 6,846 |
| Equity capital to assets | 11.0297% | 2,928 |
| Core capital (leverage) ratio | 11.1520% | 2,135 |
| Tier 1 risk-based capital ratio | 24.8010% | 913 |
| Total risk-based capital ratio | 26.0954% | 898 |
| Memoranda: | ||
| Average total assets | $565,449,000 | 1,201 |
| Average earning assets | $518,064,500 | 1,201 |
| Average equity | $64,261,000 | 1,148 |
| Average total loans | $216,628,500 | 1,898 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5136% | 6,936 |
| Cost of funding earning assets | 0.3346% | 6,296 |
| Net interest margin | 2.1790% | 6,884 |
| Noninterest income to average assets | 1.8294% | 499 |
| Noninterest expense to average assets | 2.9717% | 3,381 |
| Loan and lease loss provision to assets | 0.1164% | 4,174 |
| Net operating income to assets | 0.5077% | 4,650 |
| Return on assets (ROA) | 0.5507% | 4,724 |
| Pretax return on assets | 0.7845% | 4,347 |
| Return on Equity (ROE) | 5.2027% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.8743% | 2,789 |
| Net charge-offs to loans | 0.5174% | 2,174 |
| Credit loss provision to net charge-offs | 53.1104% | 4,616 |
| Earnings coverage of net charge-offs (x) | 3.8305% | 3,581 |
| Efficiency ratio | 77.9755% | 2,450 |
| Assets per employee ($millions) | 7.8117% | 546 |
| Cash dividends to net income (ytd only)* | 6.3119% | 4,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6098% | 86 |
| Loan loss allowance to noncurrent loans | 142.8256% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 2.2238% | 2,203 |
| Noncurrent loans to loans | 3.9277% | 1,213 |
| Net loans and leases to total assets | 37.7646% | 6,322 |
| Net loans and leases to deposits | 61.4104% | 4,851 |
| Net loans and leases to core deposits | 62.0140% | 5,157 |
| Total domestic deposits to total assets | 61.4955% | 6,961 |
| Equity capital to assets | 11.7223% | 2,252 |
| Core capital (leverage) ratio | 10.1495% | 3,196 |
| Tier 1 risk-based capital ratio | 23.9882% | 972 |
| Total risk-based capital ratio | 25.2816% | 949 |
| Memoranda: | ||
| Average total assets | $586,871,400 | 1,131 |
| Average earning assets | $533,743,000 | 1,129 |
| Average equity | $62,121,600 | 1,149 |
| Average total loans | $248,532,400 | 1,657 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5395% | 7,039 |
| Cost of funding earning assets | 0.3370% | 6,433 |
| Net interest margin | 2.2025% | 6,989 |
| Noninterest income to average assets | 1.8288% | 482 |
| Noninterest expense to average assets | 2.8594% | 3,750 |
| Loan and lease loss provision to assets | 0.1526% | 3,624 |
| Net operating income to assets | 0.5665% | 4,539 |
| Return on assets (ROA) | 0.6221% | 4,541 |
| Pretax return on assets | 0.8991% | 4,099 |
| Return on Equity (ROE) | 6.0253% | 4,320 |
| Retained earnings to average equity (ytd only) | 6.0253% | 2,685 |
| Net charge-offs to loans | 0.6850% | 1,611 |
| Credit loss provision to net charge-offs | 51.9392% | 4,353 |
| Earnings coverage of net charge-offs (x) | 3.3057% | 3,701 |
| Efficiency ratio | 74.6501% | 2,881 |
| Assets per employee ($millions) | 8.9591% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1451% | 131 |
| Loan loss allowance to noncurrent loans | 120.3105% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 2.3788% | 2,237 |
| Noncurrent loans to loans | 4.2765% | 1,141 |
| Net loans and leases to total assets | 37.6055% | 6,443 |
| Net loans and leases to deposits | 56.7496% | 5,563 |
| Net loans and leases to core deposits | 57.2204% | 5,788 |
| Total domestic deposits to total assets | 66.2658% | 6,974 |
| Equity capital to assets | 10.6582% | 3,655 |
| Core capital (leverage) ratio | 10.1194% | 3,375 |
| Tier 1 risk-based capital ratio | 24.4222% | 965 |
| Total risk-based capital ratio | 25.7176% | 948 |
| Memoranda: | ||
| Average total assets | $596,884,500 | 1,123 |
| Average earning assets | $542,465,500 | 1,130 |
| Average equity | $61,627,000 | 1,164 |
| Average total loans | $255,971,250 | 1,631 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4720% | 7,127 |
| Cost of funding earning assets | 0.3356% | 6,571 |
| Net interest margin | 2.1364% | 7,066 |
| Noninterest income to average assets | 1.7547% | 498 |
| Noninterest expense to average assets | 2.7518% | 4,213 |
| Loan and lease loss provision to assets | 0.1521% | 3,625 |
| Net operating income to assets | 0.5467% | 4,595 |
| Return on assets (ROA) | 0.6291% | 4,476 |
| Pretax return on assets | 0.9192% | 4,008 |
| Return on Equity (ROE) | 6.1600% | 4,238 |
| Retained earnings to average equity (ytd only) | 6.1600% | 2,599 |
| Net charge-offs to loans | 0.8520% | 1,302 |
| Credit loss provision to net charge-offs | 40.5914% | 4,247 |
| Earnings coverage of net charge-offs (x) | 2.5358% | 3,743 |
| Efficiency ratio | 74.3357% | 3,023 |
| Assets per employee ($millions) | 8.8057% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6591% | 206 |
| Loan loss allowance to noncurrent loans | 84.5073% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 3.2454% | 1,676 |
| Noncurrent loans to loans | 5.5132% | 844 |
| Net loans and leases to total assets | 42.3608% | 6,168 |
| Net loans and leases to deposits | 64.8430% | 4,657 |
| Net loans and leases to core deposits | 65.3984% | 5,067 |
| Total domestic deposits to total assets | 65.3281% | 7,060 |
| Equity capital to assets | 10.5341% | 3,642 |
| Core capital (leverage) ratio | 10.0229% | 3,396 |
| Tier 1 risk-based capital ratio | 21.9414% | 1,305 |
| Total risk-based capital ratio | 23.2316% | 1,272 |
| Memoranda: | ||
| Average total assets | $595,759,330 | 1,119 |
| Average earning assets | $542,962,000 | 1,125 |
| Average equity | $60,843,670 | 1,174 |
| Average total loans | $261,970,000 | 1,593 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4394% | 7,186 |
| Cost of funding earning assets | 0.3198% | 6,777 |
| Net interest margin | 2.1196% | 7,126 |
| Noninterest income to average assets | 1.7820% | 485 |
| Noninterest expense to average assets | 2.8090% | 3,994 |
| Loan and lease loss provision to assets | 0.1503% | 3,487 |
| Net operating income to assets | 0.5186% | 4,742 |
| Return on assets (ROA) | 0.6394% | 4,389 |
| Pretax return on assets | 0.9401% | 3,901 |
| Return on Equity (ROE) | 6.3598% | 4,112 |
| Retained earnings to average equity (ytd only) | 6.3598% | 2,768 |
| Net charge-offs to loans | 0.6720% | 1,464 |
| Credit loss provision to net charge-offs | 51.1364% | 3,263 |
| Earnings coverage of net charge-offs (x) | 3.1045% | 2,962 |
| Efficiency ratio | 75.4758% | 2,855 |
| Assets per employee ($millions) | 8.7088% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8369% | 199 |
| Loan loss allowance to noncurrent loans | 112.8532% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 2.8134% | 2,085 |
| Noncurrent loans to loans | 4.2860% | 1,395 |
| Net loans and leases to total assets | 42.0631% | 6,188 |
| Net loans and leases to deposits | 65.8429% | 4,404 |
| Net loans and leases to core deposits | 66.4175% | 4,868 |
| Total domestic deposits to total assets | 63.8839% | 7,143 |
| Equity capital to assets | 10.2472% | 3,794 |
| Core capital (leverage) ratio | 9.8765% | 3,533 |
| Tier 1 risk-based capital ratio | 21.7811% | 1,322 |
| Total risk-based capital ratio | 23.0738% | 1,292 |
| Memoranda: | ||
| Average total assets | $598,649,000 | 1,117 |
| Average earning assets | $547,849,500 | 1,110 |
| Average equity | $60,191,000 | 1,182 |
| Average total loans | $261,888,500 | 1,602 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5294% | 7,253 |
| Cost of funding earning assets | 0.3123% | 7,089 |
| Net interest margin | 2.2172% | 7,168 |
| Noninterest income to average assets | 1.5889% | 536 |
| Noninterest expense to average assets | 2.7137% | 4,694 |
| Loan and lease loss provision to assets | 0.3260% | 3,078 |
| Net operating income to assets | 0.4151% | 4,790 |
| Return on assets (ROA) | 0.4117% | 4,998 |
| Pretax return on assets | 0.6024% | 4,688 |
| Return on Equity (ROE) | 4.6461% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.3424% | 3,088 |
| Net charge-offs to loans | 1.1504% | 1,480 |
| Credit loss provision to net charge-offs | 63.0577% | 5,086 |
| Earnings coverage of net charge-offs (x) | 1.8055% | 4,434 |
| Efficiency ratio | 74.4055% | 3,159 |
| Assets per employee ($millions) | 9.0313% | 323 |
| Cash dividends to net income (ytd only)* | 6.5372% | 3,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9141% | 189 |
| Loan loss allowance to noncurrent loans | 114.4737% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 2.8136% | 2,144 |
| Noncurrent loans to loans | 4.2928% | 1,419 |
| Net loans and leases to total assets | 41.1739% | 6,450 |
| Net loans and leases to deposits | 66.9764% | 4,583 |
| Net loans and leases to core deposits | 67.6174% | 5,080 |
| Total domestic deposits to total assets | 61.4752% | 7,212 |
| Equity capital to assets | 9.8658% | 4,348 |
| Core capital (leverage) ratio | 9.5677% | 3,922 |
| Tier 1 risk-based capital ratio | 20.8030% | 1,457 |
| Total risk-based capital ratio | 22.0950% | 1,425 |
| Memoranda: | ||
| Average total assets | $650,256,200 | 995 |
| Average earning assets | $603,652,000 | 971 |
| Average equity | $57,617,600 | 1,179 |
| Average total loans | $292,234,600 | 1,455 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5541% | 7,337 |
| Cost of funding earning assets | 0.3132% | 7,193 |
| Net interest margin | 2.2409% | 7,242 |
| Noninterest income to average assets | 1.5027% | 580 |
| Noninterest expense to average assets | 2.5225% | 5,391 |
| Loan and lease loss provision to assets | 0.3658% | 2,662 |
| Net operating income to assets | 0.4690% | 4,679 |
| Return on assets (ROA) | 0.4646% | 4,893 |
| Pretax return on assets | 0.6903% | 4,515 |
| Return on Equity (ROE) | 5.3825% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.3825% | 2,923 |
| Net charge-offs to loans | 1.3173% | 1,164 |
| Credit loss provision to net charge-offs | 61.2762% | 4,769 |
| Earnings coverage of net charge-offs (x) | 1.7802% | 4,322 |
| Efficiency ratio | 70.3581% | 3,891 |
| Assets per employee ($millions) | 8.9452% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8102% | 214 |
| Loan loss allowance to noncurrent loans | 100.1235% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 3.1429% | 2,033 |
| Noncurrent loans to loans | 4.8043% | 1,339 |
| Net loans and leases to total assets | 43.4777% | 6,386 |
| Net loans and leases to deposits | 70.1008% | 4,287 |
| Net loans and leases to core deposits | 70.7446% | 4,859 |
| Total domestic deposits to total assets | 62.0216% | 7,273 |
| Equity capital to assets | 10.0509% | 4,272 |
| Core capital (leverage) ratio | 8.7750% | 5,303 |
| Tier 1 risk-based capital ratio | 20.3181% | 1,612 |
| Total risk-based capital ratio | 21.6098% | 1,571 |
| Memoranda: | ||
| Average total assets | $661,545,500 | 986 |
| Average earning assets | $614,786,500 | 970 |
| Average equity | $57,097,500 | 1,190 |
| Average total loans | $299,788,500 | 1,428 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4964% | 7,421 |
| Cost of funding earning assets | 0.3063% | 7,297 |
| Net interest margin | 2.1901% | 7,318 |
| Noninterest income to average assets | 1.5022% | 570 |
| Noninterest expense to average assets | 2.4370% | 5,734 |
| Loan and lease loss provision to assets | 0.3955% | 2,439 |
| Net operating income to assets | 0.4755% | 4,617 |
| Return on assets (ROA) | 0.4690% | 4,785 |
| Pretax return on assets | 0.7028% | 4,374 |
| Return on Equity (ROE) | 5.7036% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.7036% | 2,590 |
| Net charge-offs to loans | 0.6868% | 2,123 |
| Credit loss provision to net charge-offs | 127.3496% | 2,400 |
| Earnings coverage of net charge-offs (x) | 3.5677% | 3,131 |
| Efficiency ratio | 68.7469% | 4,380 |
| Assets per employee ($millions) | 10.0634% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1024% | 177 |
| Loan loss allowance to noncurrent loans | 108.1594% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 2.9620% | 2,260 |
| Noncurrent loans to loans | 4.7175% | 1,395 |
| Net loans and leases to total assets | 40.9690% | 6,671 |
| Net loans and leases to deposits | 81.7288% | 2,490 |
| Net loans and leases to core deposits | 84.2552% | 3,173 |
| Total domestic deposits to total assets | 50.1280% | 7,427 |
| Equity capital to assets | 8.8847% | 5,724 |
| Core capital (leverage) ratio | 8.2997% | 5,872 |
| Tier 1 risk-based capital ratio | 19.1928% | 1,790 |
| Total risk-based capital ratio | 20.4883% | 1,743 |
| Memoranda: | ||
| Average total assets | $685,265,330 | 966 |
| Average earning assets | $639,156,330 | 943 |
| Average equity | $56,350,330 | 1,186 |
| Average total loans | $309,832,330 | 1,395 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4873% | 7,480 |
| Cost of funding earning assets | 0.3123% | 7,368 |
| Net interest margin | 2.1750% | 7,366 |
| Noninterest income to average assets | 1.4971% | 577 |
| Noninterest expense to average assets | 2.3110% | 6,159 |
| Loan and lease loss provision to assets | 0.5137% | 1,691 |
| Net operating income to assets | 0.4669% | 4,636 |
| Return on assets (ROA) | 0.4669% | 4,719 |
| Pretax return on assets | 0.7077% | 4,277 |
| Return on Equity (ROE) | 5.8990% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.8990% | 2,702 |
| Net charge-offs to loans | 0.4624% | 2,308 |
| Credit loss provision to net charge-offs | 240.6417% | 1,291 |
| Earnings coverage of net charge-offs (x) | 5.7219% | 2,219 |
| Efficiency ratio | 65.4225% | 5,135 |
| Assets per employee ($millions) | 10.5969% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6104% | 262 |
| Loan loss allowance to noncurrent loans | 104.0944% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 2.8033% | 2,456 |
| Noncurrent loans to loans | 4.4290% | 1,587 |
| Net loans and leases to total assets | 44.6752% | 6,409 |
| Net loans and leases to deposits | 91.8766% | 1,032 |
| Net loans and leases to core deposits | 95.4052% | 1,728 |
| Total domestic deposits to total assets | 48.6253% | 7,491 |
| Equity capital to assets | 8.2914% | 6,173 |
| Core capital (leverage) ratio | 7.7530% | 6,507 |
| Tier 1 risk-based capital ratio | 17.5305% | 2,279 |
| Total risk-based capital ratio | 18.8226% | 2,229 |
| Memoranda: | ||
| Average total assets | $700,836,000 | 952 |
| Average earning assets | $655,811,000 | 928 |
| Average equity | $55,467,000 | 1,190 |
| Average total loans | $323,550,000 | 1,346 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6508% | 7,531 |
| Cost of funding earning assets | 0.3311% | 7,482 |
| Net interest margin | 2.3197% | 7,358 |
| Noninterest income to average assets | 1.1686% | 1,082 |
| Noninterest expense to average assets | 2.1970% | 6,624 |
| Loan and lease loss provision to assets | 0.7042% | 2,327 |
| Net operating income to assets | 0.3081% | 4,911 |
| Return on assets (ROA) | 0.3221% | 5,023 |
| Pretax return on assets | 0.4695% | 4,724 |
| Return on Equity (ROE) | 4.2774% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.0274% | 3,044 |
| Net charge-offs to loans | 1.4134% | 1,577 |
| Credit loss provision to net charge-offs | 101.1705% | 4,487 |
| Earnings coverage of net charge-offs (x) | 1.6569% | 4,492 |
| Efficiency ratio | 65.5765% | 5,049 |
| Assets per employee ($millions) | 12.0579% | 154 |
| Cash dividends to net income (ytd only)* | 5.8439% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2851% | 314 |
| Loan loss allowance to noncurrent loans | 86.1221% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 2.6501% | 2,625 |
| Noncurrent loans to loans | 4.9756% | 1,356 |
| Net loans and leases to total assets | 43.5885% | 6,745 |
| Net loans and leases to deposits | 138.9303% | 46 |
| Net loans and leases to core deposits | 144.8870% | 192 |
| Total domestic deposits to total assets | 31.3744% | 7,599 |
| Equity capital to assets | 7.5610% | 6,844 |
| Core capital (leverage) ratio | 7.2577% | 6,871 |
| Tier 1 risk-based capital ratio | 16.9049% | 2,376 |
| Total risk-based capital ratio | 18.1943% | 2,334 |
| Memoranda: | ||
| Average total assets | $711,868,200 | 939 |
| Average earning assets | $669,539,800 | 913 |
| Average equity | $53,607,800 | 1,246 |
| Average total loans | $350,583,200 | 1,280 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7062% | 7,659 |
| Cost of funding earning assets | 0.3338% | 7,615 |
| Net interest margin | 2.3723% | 7,457 |
| Noninterest income to average assets | 1.1165% | 1,124 |
| Noninterest expense to average assets | 2.1398% | 6,758 |
| Loan and lease loss provision to assets | 0.7697% | 1,985 |
| Net operating income to assets | 0.3053% | 5,143 |
| Return on assets (ROA) | 0.3244% | 5,237 |
| Pretax return on assets | 0.4660% | 5,024 |
| Return on Equity (ROE) | 4.3123% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.3123% | 3,466 |
| Net charge-offs to loans | 1.5530% | 1,285 |
| Credit loss provision to net charge-offs | 98.7455% | 4,418 |
| Earnings coverage of net charge-offs (x) | 1.5503% | 4,562 |
| Efficiency ratio | 63.9070% | 5,255 |
| Assets per employee ($millions) | 12.2875% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2471% | 301 |
| Loan loss allowance to noncurrent loans | 81.0320% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 2.7625% | 2,619 |
| Noncurrent loans to loans | 5.2412% | 1,297 |
| Net loans and leases to total assets | 43.5635% | 6,871 |
| Net loans and leases to deposits | 152.7398% | 32 |
| Net loans and leases to core deposits | 160.5633% | 144 |
| Total domestic deposits to total assets | 28.5214% | 7,702 |
| Equity capital to assets | 7.5659% | 7,084 |
| Core capital (leverage) ratio | 6.9833% | 7,176 |
| Tier 1 risk-based capital ratio | 16.9501% | 2,359 |
| Total risk-based capital ratio | 18.2393% | 2,306 |
| Memoranda: | ||
| Average total assets | $708,967,000 | 947 |
| Average earning assets | $666,955,500 | 922 |
| Average equity | $53,334,250 | 1,256 |
| Average total loans | $355,861,750 | 1,275 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7404% | 7,733 |
| Cost of funding earning assets | 0.3262% | 7,701 |
| Net interest margin | 2.4142% | 7,466 |
| Noninterest income to average assets | 1.1142% | 1,058 |
| Noninterest expense to average assets | 2.1105% | 6,872 |
| Loan and lease loss provision to assets | 0.8556% | 1,701 |
| Net operating income to assets | 0.2901% | 5,220 |
| Return on assets (ROA) | 0.3189% | 5,272 |
| Pretax return on assets | 0.4568% | 5,040 |
| Return on Equity (ROE) | 4.2477% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.2477% | 3,374 |
| Net charge-offs to loans | 1.7512% | 1,071 |
| Credit loss provision to net charge-offs | 94.2982% | 4,290 |
| Earnings coverage of net charge-offs (x) | 1.4010% | 4,436 |
| Efficiency ratio | 62.4107% | 5,625 |
| Assets per employee ($millions) | 12.7589% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0043% | 377 |
| Loan loss allowance to noncurrent loans | 70.3467% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 3.2378% | 2,177 |
| Noncurrent loans to loans | 5.6922% | 1,147 |
| Net loans and leases to total assets | 44.1969% | 6,904 |
| Net loans and leases to deposits | 161.9079% | 33 |
| Net loans and leases to core deposits | 173.5223% | 129 |
| Total domestic deposits to total assets | 27.2975% | 7,771 |
| Equity capital to assets | 7.1982% | 7,275 |
| Core capital (leverage) ratio | 7.1020% | 7,127 |
| Tier 1 risk-based capital ratio | 15.3376% | 2,984 |
| Total risk-based capital ratio | 16.6216% | 2,930 |
| Memoranda: | ||
| Average total assets | $703,634,330 | 956 |
| Average earning assets | $660,850,330 | 937 |
| Average equity | $52,829,000 | 1,260 |
| Average total loans | $364,539,670 | 1,256 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8279% | 7,831 |
| Cost of funding earning assets | 0.3220% | 7,811 |
| Net interest margin | 2.5059% | 7,473 |
| Noninterest income to average assets | 1.1964% | 854 |
| Noninterest expense to average assets | 2.1966% | 6,696 |
| Loan and lease loss provision to assets | 0.9560% | 1,315 |
| Net operating income to assets | 0.2724% | 5,410 |
| Return on assets (ROA) | 0.3322% | 5,283 |
| Pretax return on assets | 0.4765% | 5,041 |
| Return on Equity (ROE) | 4.3259% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.3259% | 3,556 |
| Net charge-offs to loans | 2.6408% | 616 |
| Credit loss provision to net charge-offs | 65.8151% | 4,186 |
| Earnings coverage of net charge-offs (x) | 0.9274% | 4,220 |
| Efficiency ratio | 61.9847% | 5,836 |
| Assets per employee ($millions) | 11.0805% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7093% | 466 |
| Loan loss allowance to noncurrent loans | 75.7291% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 3.2694% | 2,192 |
| Noncurrent loans to loans | 4.8981% | 1,485 |
| Net loans and leases to total assets | 50.7620% | 6,396 |
| Net loans and leases to deposits | 164.2257% | 34 |
| Net loans and leases to core deposits | 174.6358% | 145 |
| Total domestic deposits to total assets | 30.9099% | 7,870 |
| Equity capital to assets | 7.7545% | 6,882 |
| Core capital (leverage) ratio | 7.5389% | 6,816 |
| Tier 1 risk-based capital ratio | 14.4960% | 3,376 |
| Total risk-based capital ratio | 15.7760% | 3,332 |
| Memoranda: | ||
| Average total assets | $679,064,000 | 1,012 |
| Average earning assets | $636,089,000 | 984 |
| Average equity | $52,150,500 | 1,286 |
| Average total loans | $373,519,000 | 1,273 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2216% | 7,858 |
| Cost of funding earning assets | 0.2724% | 7,916 |
| Net interest margin | 2.9492% | 6,758 |
| Noninterest income to average assets | 1.2271% | 1,005 |
| Noninterest expense to average assets | 2.2761% | 6,808 |
| Loan and lease loss provision to assets | 1.5031% | 1,532 |
| Net operating income to assets | 0.1719% | 4,991 |
| Return on assets (ROA) | 0.2599% | 4,774 |
| Pretax return on assets | 0.3747% | 4,566 |
| Return on Equity (ROE) | 3.3181% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.0849% | 3,004 |
| Net charge-offs to loans | 1.2400% | 1,989 |
| Credit loss provision to net charge-offs | 191.6047% | 2,079 |
| Earnings coverage of net charge-offs (x) | 2.2311% | 4,045 |
| Efficiency ratio | 56.5295% | 6,951 |
| Assets per employee ($millions) | 11.1839% | 203 |
| Cash dividends to net income (ytd only)* | 7.0289% | 3,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5985% | 490 |
| Loan loss allowance to noncurrent loans | 75.6809% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 3.3755% | 2,014 |
| Noncurrent loans to loans | 4.7549% | 1,457 |
| Net loans and leases to total assets | 55.2105% | 6,059 |
| Net loans and leases to deposits | 214.1771% | 26 |
| Net loans and leases to core deposits | 261.2116% | 45 |
| Total domestic deposits to total assets | 25.7779% | 7,951 |
| Equity capital to assets | 7.6057% | 6,941 |
| Core capital (leverage) ratio | 7.2564% | 7,026 |
| Tier 1 risk-based capital ratio | 14.2982% | 3,322 |
| Total risk-based capital ratio | 15.5804% | 3,253 |
| Memoranda: | ||
| Average total assets | $651,369,400 | 1,065 |
| Average earning assets | $618,271,200 | 1,008 |
| Average equity | $51,023,000 | 1,309 |
| Average total loans | $412,087,200 | 1,174 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2658% | 7,959 |
| Cost of funding earning assets | 0.2615% | 8,012 |
| Net interest margin | 3.0043% | 6,602 |
| Noninterest income to average assets | 1.2211% | 1,030 |
| Noninterest expense to average assets | 2.2274% | 6,904 |
| Loan and lease loss provision to assets | 1.6089% | 1,174 |
| Net operating income to assets | 0.1651% | 5,268 |
| Return on assets (ROA) | 0.2345% | 5,121 |
| Pretax return on assets | 0.3495% | 4,933 |
| Return on Equity (ROE) | 2.9707% | 4,810 |
| Retained earnings to average equity (ytd only) | 2.9707% | 3,667 |
| Net charge-offs to loans | 1.1460% | 1,762 |
| Credit loss provision to net charge-offs | 216.4716% | 2,028 |
| Earnings coverage of net charge-offs (x) | 2.4955% | 3,979 |
| Efficiency ratio | 54.5644% | 7,178 |
| Assets per employee ($millions) | 11.2279% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9756% | 677 |
| Loan loss allowance to noncurrent loans | 58.0742% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 4.0080% | 1,595 |
| Noncurrent loans to loans | 5.1238% | 1,264 |
| Net loans and leases to total assets | 65.6221% | 4,503 |
| Net loans and leases to deposits | 241.4558% | 26 |
| Net loans and leases to core deposits | 273.5417% | 44 |
| Total domestic deposits to total assets | 27.1777% | 8,032 |
| Equity capital to assets | 7.6867% | 7,163 |
| Core capital (leverage) ratio | 7.4694% | 7,013 |
| Tier 1 risk-based capital ratio | 13.3330% | 3,964 |
| Total risk-based capital ratio | 14.6109% | 3,895 |
| Memoranda: | ||
| Average total assets | $643,658,000 | 1,089 |
| Average earning assets | $612,970,750 | 1,034 |
| Average equity | $50,807,000 | 1,333 |
| Average total loans | $417,430,500 | 1,169 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3760% | 8,047 |
| Cost of funding earning assets | 0.2674% | 8,108 |
| Net interest margin | 3.1085% | 6,207 |
| Noninterest income to average assets | 1.2209% | 1,039 |
| Noninterest expense to average assets | 2.2205% | 7,005 |
| Loan and lease loss provision to assets | 1.5318% | 1,113 |
| Net operating income to assets | 0.2863% | 4,961 |
| Return on assets (ROA) | 0.3402% | 4,834 |
| Pretax return on assets | 0.5097% | 4,589 |
| Return on Equity (ROE) | 4.2709% | 4,387 |
| Retained earnings to average equity (ytd only) | 4.2709% | 2,927 |
| Net charge-offs to loans | 1.4954% | 1,268 |
| Credit loss provision to net charge-offs | 160.3767% | 2,864 |
| Earnings coverage of net charge-offs (x) | 2.0532% | 4,059 |
| Efficiency ratio | 53.1024% | 7,418 |
| Assets per employee ($millions) | 11.3398% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4420% | 949 |
| Loan loss allowance to noncurrent loans | 47.2389% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 4.1024% | 1,423 |
| Noncurrent loans to loans | 5.1696% | 1,164 |
| Net loans and leases to total assets | 65.7965% | 4,605 |
| Net loans and leases to deposits | 297.9825% | 24 |
| Net loans and leases to core deposits | 307.7200% | 38 |
| Total domestic deposits to total assets | 22.0807% | 8,127 |
| Equity capital to assets | 7.5351% | 7,231 |
| Core capital (leverage) ratio | 7.6083% | 6,888 |
| Tier 1 risk-based capital ratio | 12.8251% | 4,267 |
| Total risk-based capital ratio | 14.0943% | 4,169 |
| Memoranda: | ||
| Average total assets | $633,652,670 | 1,129 |
| Average earning assets | $603,498,670 | 1,065 |
| Average equity | $50,481,670 | 1,357 |
| Average total loans | $404,695,000 | 1,232 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 8,075 |
| Cost of funding earning assets | 0.2914% | 8,159 |
| Net interest margin | 3.3479% | 5,331 |
| Noninterest income to average assets | 1.0900% | 1,254 |
| Noninterest expense to average assets | 2.3169% | 6,477 |
| Loan and lease loss provision to assets | 1.3895% | 919 |
| Net operating income to assets | 0.3795% | 4,949 |
| Return on assets (ROA) | 0.3795% | 5,132 |
| Pretax return on assets | 0.5689% | 4,848 |
| Return on Equity (ROE) | 4.6238% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.6238% | 3,347 |
| Net charge-offs to loans | 0.9926% | 1,355 |
| Credit loss provision to net charge-offs | 226.2540% | 2,017 |
| Earnings coverage of net charge-offs (x) | 3.1889% | 3,255 |
| Efficiency ratio | 54.1929% | 7,202 |
| Assets per employee ($millions) | 10.6606% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8687% | 547 |
| Loan loss allowance to noncurrent loans | 66.5071% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 3.0727% | 1,838 |
| Noncurrent loans to loans | 4.3134% | 1,356 |
| Net loans and leases to total assets | 55.9097% | 6,250 |
| Net loans and leases to deposits | 170.4714% | 45 |
| Net loans and leases to core deposits | 174.4241% | 292 |
| Total domestic deposits to total assets | 32.7971% | 8,164 |
| Equity capital to assets | 7.8990% | 6,956 |
| Core capital (leverage) ratio | 7.8961% | 6,628 |
| Tier 1 risk-based capital ratio | 13.2713% | 4,009 |
| Total risk-based capital ratio | 14.5403% | 3,921 |
| Memoranda: | ||
| Average total assets | $610,285,500 | 1,170 |
| Average earning assets | $580,658,000 | 1,124 |
| Average equity | $50,088,500 | 1,371 |
| Average total loans | $377,604,000 | 1,322 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 7,827 |
| Cost of funding earning assets | 1.6116% | 7,424 |
| Net interest margin | 3.4027% | 5,649 |
| Noninterest income to average assets | 1.2022% | 1,034 |
| Noninterest expense to average assets | 2.6625% | 5,404 |
| Loan and lease loss provision to assets | 1.1028% | 1,317 |
| Net operating income to assets | 0.3953% | 5,169 |
| Return on assets (ROA) | 0.3976% | 4,969 |
| Pretax return on assets | 0.6016% | 4,685 |
| Return on Equity (ROE) | 4.1224% | 4,773 |
| Retained earnings to average equity (ytd only) | 3.1020% | 3,227 |
| Net charge-offs to loans | 0.8278% | 1,512 |
| Credit loss provision to net charge-offs | 203.7688% | 2,385 |
| Earnings coverage of net charge-offs (x) | 3.1427% | 4,514 |
| Efficiency ratio | 61.0211% | 6,159 |
| Assets per employee ($millions) | 9.3699% | 311 |
| Cash dividends to net income (ytd only)* | 24.7510% | 4,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 745 |
| Loan loss allowance to noncurrent loans | 71.5026% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.8358% | 1,652 |
| Noncurrent loans to loans | 3.3892% | 1,516 |
| Net loans and leases to total assets | 65.0070% | 5,065 |
| Net loans and leases to deposits | 288.7187% | 23 |
| Net loans and leases to core deposits | 299.6081% | 47 |
| Total domestic deposits to total assets | 22.5157% | 8,233 |
| Equity capital to assets | 8.5469% | 6,017 |
| Core capital (leverage) ratio | 9.3321% | 4,253 |
| Tier 1 risk-based capital ratio | 12.1894% | 4,675 |
| Total risk-based capital ratio | 13.4525% | 4,558 |
| Memoranda: | ||
| Average total assets | $505,008,400 | 1,336 |
| Average earning assets | $469,155,600 | 1,321 |
| Average equity | $48,710,000 | 1,406 |
| Average total loans | $330,159,000 | 1,471 |