Home > BankCherokee > Performance and Condition Ratios
BankCherokee, 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 | 4.6545% | 3,678 |
| Cost of funding earning assets | 1.0277% | 3,964 |
| Net interest margin | 3.6268% | 2,022 |
| Noninterest income to average assets | 0.5300% | 1,608 |
| Noninterest expense to average assets | 3.2747% | 795 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.5189% | 3,532 |
| Return on assets (ROA) | 0.3077% | 3,874 |
| Pretax return on assets | 0.3587% | 3,878 |
| Return on Equity (ROE) | 4.1900% | 3,690 |
| Retained earnings to average equity (ytd only) | 0.7216% | 3,549 |
| Net charge-offs to loans | -0.0155% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 82.9205% | 778 |
| Assets per employee ($millions) | 6.4242% | 2,620 |
| Cash dividends to net income (ytd only)* | 82.7815% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 1,576 |
| Loan loss allowance to noncurrent loans | 353.5677% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 2,316 |
| Noncurrent loans to loans | 0.3755% | 2,183 |
| Net loans and leases to total assets | 63.7900% | 2,523 |
| Net loans and leases to deposits | 75.0922% | 2,483 |
| Net loans and leases to core deposits | 75.7346% | 2,967 |
| Total domestic deposits to total assets | 84.9500% | 2,637 |
| Equity capital to assets | 7.4157% | 3,891 |
| Core capital (leverage) ratio | 8.9756% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6055% | 1,653 |
| Memoranda: | ||
| Average total assets | $392,580,000 | 2,096 |
| Average earning assets | $370,138,000 | 2,068 |
| Average equity | $28,823,500 | 2,485 |
| Average total loans | $257,665,500 | 2,080 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 3,625 |
| Cost of funding earning assets | 1.0800% | 3,950 |
| Net interest margin | 3.6028% | 1,864 |
| Noninterest income to average assets | 0.5800% | 1,577 |
| Noninterest expense to average assets | 3.1140% | 980 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.6150% | 3,199 |
| Return on assets (ROA) | 0.5877% | 3,282 |
| Pretax return on assets | 0.8104% | 3,031 |
| Return on Equity (ROE) | 8.3100% | 2,660 |
| Retained earnings to average equity (ytd only) | 4.6005% | 2,395 |
| Net charge-offs to loans | -0.0202% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 78.1884% | 1,186 |
| Assets per employee ($millions) | 6.3419% | 2,622 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 1,713 |
| Loan loss allowance to noncurrent loans | 310.3448% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 2,128 |
| Noncurrent loans to loans | 0.4162% | 2,032 |
| Net loans and leases to total assets | 65.7800% | 2,387 |
| Net loans and leases to deposits | 75.5399% | 2,509 |
| Net loans and leases to core deposits | 76.2540% | 3,034 |
| Total domestic deposits to total assets | 87.0900% | 1,839 |
| Equity capital to assets | 7.2663% | 3,865 |
| Core capital (leverage) ratio | 9.1298% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4305% | 1,699 |
| Memoranda: | ||
| Average total assets | $381,152,800 | 2,098 |
| Average earning assets | $360,273,000 | 2,066 |
| Average equity | $26,953,600 | 2,525 |
| Average total loans | $243,144,000 | 2,121 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 3,696 |
| Cost of funding earning assets | 1.0930% | 3,945 |
| Net interest margin | 3.5114% | 1,996 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 3.1067% | 965 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.5493% | 3,358 |
| Return on assets (ROA) | 0.5126% | 3,460 |
| Pretax return on assets | 0.7068% | 3,250 |
| Return on Equity (ROE) | 7.3000% | 2,954 |
| Retained earnings to average equity (ytd only) | 3.5502% | 2,998 |
| Net charge-offs to loans | -0.0256% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 79.9422% | 1,081 |
| Assets per employee ($millions) | 6.3654% | 2,606 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 1,544 |
| Loan loss allowance to noncurrent loans | 366.1521% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 2,296 |
| Noncurrent loans to loans | 0.3670% | 2,174 |
| Net loans and leases to total assets | 63.8500% | 2,543 |
| Net loans and leases to deposits | 72.6816% | 2,774 |
| Net loans and leases to core deposits | 73.2596% | 3,223 |
| Total domestic deposits to total assets | 87.8400% | 1,297 |
| Equity capital to assets | 7.5900% | 3,926 |
| Core capital (leverage) ratio | 8.9430% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8361% | 1,585 |
| Memoranda: | ||
| Average total assets | $379,726,750 | 2,097 |
| Average earning assets | $359,016,250 | 2,073 |
| Average equity | $26,664,500 | 2,536 |
| Average total loans | $239,474,750 | 2,126 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 3,806 |
| Cost of funding earning assets | 1.0071% | 4,009 |
| Net interest margin | 3.4761% | 2,012 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 3.1183% | 931 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.4841% | 3,469 |
| Return on assets (ROA) | 0.4290% | 3,640 |
| Pretax return on assets | 0.5916% | 3,464 |
| Return on Equity (ROE) | 6.2800% | 3,203 |
| Retained earnings to average equity (ytd only) | 2.4179% | 3,213 |
| Net charge-offs to loans | -0.0312% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 81.6499% | 1,014 |
| Assets per employee ($millions) | 6.2698% | 2,584 |
| Cash dividends to net income (ytd only)* | 61.5006% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 1,518 |
| Loan loss allowance to noncurrent loans | 334.3465% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 2,142 |
| Noncurrent loans to loans | 0.4056% | 1,976 |
| Net loans and leases to total assets | 62.7600% | 2,673 |
| Net loans and leases to deposits | 71.3777% | 2,884 |
| Net loans and leases to core deposits | 71.9982% | 3,273 |
| Total domestic deposits to total assets | 87.9200% | 1,349 |
| Equity capital to assets | 6.8314% | 4,001 |
| Core capital (leverage) ratio | 8.9638% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8490% | 1,569 |
| Memoranda: | ||
| Average total assets | $378,994,000 | 2,098 |
| Average earning assets | $358,043,667 | 2,072 |
| Average equity | $25,890,000 | 2,549 |
| Average total loans | $236,911,667 | 2,133 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 3,959 |
| Cost of funding earning assets | 0.9133% | 4,089 |
| Net interest margin | 3.3889% | 2,137 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 3.1554% | 892 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.3820% | 3,662 |
| Return on assets (ROA) | 0.2714% | 3,904 |
| Pretax return on assets | 0.3743% | 3,809 |
| Return on Equity (ROE) | 3.9700% | 3,680 |
| Retained earnings to average equity (ytd only) | 0.0931% | 3,681 |
| Net charge-offs to loans | -0.0171% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 84.8831% | 848 |
| Assets per employee ($millions) | 6.4220% | 2,513 |
| Cash dividends to net income (ytd only)* | 97.6563% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,401 |
| Loan loss allowance to noncurrent loans | 270.9196% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 1,838 |
| Noncurrent loans to loans | 0.5158% | 1,634 |
| Net loans and leases to total assets | 60.8900% | 2,774 |
| Net loans and leases to deposits | 67.5718% | 3,061 |
| Net loans and leases to core deposits | 68.0230% | 3,425 |
| Total domestic deposits to total assets | 90.1100% | 758 |
| Equity capital to assets | 6.7728% | 3,988 |
| Core capital (leverage) ratio | 8.9497% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2950% | 1,457 |
| Memoranda: | ||
| Average total assets | $377,263,500 | 2,118 |
| Average earning assets | $356,931,000 | 2,083 |
| Average equity | $25,771,500 | 2,565 |
| Average total loans | $233,705,500 | 2,150 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,906 |
| Cost of funding earning assets | 0.5509% | 4,142 |
| Net interest margin | 3.4854% | 2,218 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 3.0712% | 1,009 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.4583% | 3,751 |
| Return on assets (ROA) | 0.4294% | 3,809 |
| Pretax return on assets | 0.5924% | 3,646 |
| Return on Equity (ROE) | 7.0200% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.0246% | 1,890 |
| Net charge-offs to loans | 0.0150% | 2,103 |
| Credit loss provision to net charge-offs | 894.1176% | 447 |
| Earnings coverage of net charge-offs (x) | 78.7647% | 1,031 |
| Efficiency ratio | 81.2347% | 833 |
| Assets per employee ($millions) | 6.1578% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,328 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 3,168 |
| Noncurrent loans to loans | 0.0977% | 3,051 |
| Net loans and leases to total assets | 61.2600% | 2,732 |
| Net loans and leases to deposits | 66.1508% | 3,164 |
| Net loans and leases to core deposits | 66.6609% | 3,466 |
| Total domestic deposits to total assets | 92.6100% | 218 |
| Equity capital to assets | 6.8901% | 3,978 |
| Core capital (leverage) ratio | 9.0043% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3363% | 1,432 |
| Memoranda: | ||
| Average total assets | $377,468,800 | 2,088 |
| Average earning assets | $356,340,800 | 2,062 |
| Average equity | $23,076,000 | 2,623 |
| Average total loans | $227,128,000 | 2,119 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 3,938 |
| Cost of funding earning assets | 0.4880% | 4,155 |
| Net interest margin | 3.4510% | 2,335 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 3.0781% | 958 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.4318% | 3,907 |
| Return on assets (ROA) | 0.3934% | 3,974 |
| Pretax return on assets | 0.5426% | 3,838 |
| Return on Equity (ROE) | 6.6400% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.6442% | 2,419 |
| Net charge-offs to loans | 0.0301% | 1,474 |
| Credit loss provision to net charge-offs | 521.5686% | 613 |
| Earnings coverage of net charge-offs (x) | 38.0784% | 1,476 |
| Efficiency ratio | 81.7943% | 741 |
| Assets per employee ($millions) | 5.8032% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 1,302 |
| Loan loss allowance to noncurrent loans | 1,316.1943% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,168 |
| Noncurrent loans to loans | 0.1091% | 3,029 |
| Net loans and leases to total assets | 60.1000% | 2,836 |
| Net loans and leases to deposits | 64.2115% | 3,252 |
| Net loans and leases to core deposits | 64.6372% | 3,499 |
| Total domestic deposits to total assets | 93.5900% | 231 |
| Equity capital to assets | 5.9585% | 4,002 |
| Core capital (leverage) ratio | 8.8777% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5812% | 1,410 |
| Memoranda: | ||
| Average total assets | $377,929,250 | 2,087 |
| Average earning assets | $356,561,750 | 2,054 |
| Average equity | $22,374,750 | 2,660 |
| Average total loans | $225,553,000 | 2,126 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 4,011 |
| Cost of funding earning assets | 0.4211% | 4,131 |
| Net interest margin | 3.3845% | 2,562 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 3.0886% | 919 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.3652% | 4,064 |
| Return on assets (ROA) | 0.3078% | 4,171 |
| Pretax return on assets | 0.4246% | 4,081 |
| Return on Equity (ROE) | 5.2100% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.2101% | 2,890 |
| Net charge-offs to loans | 0.0142% | 1,661 |
| Credit loss provision to net charge-offs | 1,425.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 73.3125% | 1,093 |
| Efficiency ratio | 83.3452% | 634 |
| Assets per employee ($millions) | 6.1206% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,474 |
| Loan loss allowance to noncurrent loans | 1,258.9147% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,089 |
| Noncurrent loans to loans | 0.1123% | 2,919 |
| Net loans and leases to total assets | 59.6800% | 2,800 |
| Net loans and leases to deposits | 66.4718% | 3,036 |
| Net loans and leases to core deposits | 66.7482% | 3,309 |
| Total domestic deposits to total assets | 89.7800% | 984 |
| Equity capital to assets | 6.0431% | 4,133 |
| Core capital (leverage) ratio | 8.7638% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4521% | 1,439 |
| Memoranda: | ||
| Average total assets | $380,104,000 | 2,077 |
| Average earning assets | $358,572,000 | 2,050 |
| Average equity | $22,456,333 | 2,664 |
| Average total loans | $225,254,333 | 2,123 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 4,040 |
| Cost of funding earning assets | 0.3186% | 4,143 |
| Net interest margin | 3.3689% | 2,711 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 3.1860% | 820 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.2608% | 4,298 |
| Return on assets (ROA) | 0.2608% | 4,265 |
| Pretax return on assets | 0.3596% | 4,192 |
| Return on Equity (ROE) | 4.4600% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.4647% | 3,138 |
| Net charge-offs to loans | -0.0179% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.9191% | 471 |
| Assets per employee ($millions) | 6.1393% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,613 |
| Loan loss allowance to noncurrent loans | 743.5294% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 2,755 |
| Noncurrent loans to loans | 0.1886% | 2,531 |
| Net loans and leases to total assets | 57.4600% | 2,914 |
| Net loans and leases to deposits | 63.0578% | 3,163 |
| Net loans and leases to core deposits | 63.2638% | 3,376 |
| Total domestic deposits to total assets | 91.1200% | 762 |
| Equity capital to assets | 5.9283% | 4,227 |
| Core capital (leverage) ratio | 8.5988% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3866% | 1,524 |
| Memoranda: | ||
| Average total assets | $380,418,500 | 2,101 |
| Average earning assets | $359,052,000 | 2,078 |
| Average equity | $22,218,500 | 2,699 |
| Average total loans | $223,031,500 | 2,149 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3252% | 3,526 |
| Cost of funding earning assets | 0.0659% | 4,519 |
| Net interest margin | 3.2593% | 2,679 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.7189% | 1,514 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5579% | 3,972 |
| Return on assets (ROA) | 0.5579% | 3,938 |
| Pretax return on assets | 0.7704% | 3,696 |
| Return on Equity (ROE) | 8.8900% | 3,154 |
| Retained earnings to average equity (ytd only) | 8.8898% | 1,510 |
| Net charge-offs to loans | -0.0254% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.7083% | 945 |
| Assets per employee ($millions) | 6.0333% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 1,587 |
| Loan loss allowance to noncurrent loans | 1,069.0141% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,035 |
| Noncurrent loans to loans | 0.1287% | 2,864 |
| Net loans and leases to total assets | 58.1800% | 2,808 |
| Net loans and leases to deposits | 62.0109% | 3,196 |
| Net loans and leases to core deposits | 62.0718% | 3,385 |
| Total domestic deposits to total assets | 93.8200% | 261 |
| Equity capital to assets | 5.7498% | 4,170 |
| Core capital (leverage) ratio | 8.5478% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9175% | 1,385 |
| Memoranda: | ||
| Average total assets | $376,960,600 | 2,114 |
| Average earning assets | $353,635,200 | 2,097 |
| Average equity | $23,656,400 | 2,658 |
| Average total loans | $204,806,600 | 2,197 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2120% | 3,407 |
| Cost of funding earning assets | 0.0396% | 4,614 |
| Net interest margin | 3.1725% | 2,704 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.5950% | 1,724 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5987% | 3,837 |
| Return on assets (ROA) | 0.5987% | 3,797 |
| Pretax return on assets | 0.8271% | 3,514 |
| Return on Equity (ROE) | 9.3500% | 2,925 |
| Retained earnings to average equity (ytd only) | 9.3466% | 1,539 |
| Net charge-offs to loans | -0.0365% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.0562% | 1,171 |
| Assets per employee ($millions) | 6.1671% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,567 |
| Loan loss allowance to noncurrent loans | 996.9388% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,111 |
| Noncurrent loans to loans | 0.1418% | 2,914 |
| Net loans and leases to total assets | 55.2600% | 2,977 |
| Net loans and leases to deposits | 58.5666% | 3,306 |
| Net loans and leases to core deposits | 58.6243% | 3,466 |
| Total domestic deposits to total assets | 94.3500% | 312 |
| Equity capital to assets | 5.2332% | 4,219 |
| Core capital (leverage) ratio | 8.5326% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5205% | 1,280 |
| Memoranda: | ||
| Average total assets | $377,684,750 | 2,121 |
| Average earning assets | $353,953,250 | 2,105 |
| Average equity | $24,193,500 | 2,677 |
| Average total loans | $200,843,500 | 2,221 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1158% | 3,269 |
| Cost of funding earning assets | 0.0399% | 4,655 |
| Net interest margin | 3.0760% | 2,617 |
| Noninterest income to average assets | 0.4744% | 2,334 |
| Noninterest expense to average assets | 2.5068% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6149% | 3,589 |
| Return on assets (ROA) | 0.6149% | 3,533 |
| Pretax return on assets | 0.8500% | 3,205 |
| Return on Equity (ROE) | 9.0608% | 2,681 |
| Retained earnings to average equity (ytd only) | 9.0608% | 1,274 |
| Net charge-offs to loans | -0.0453% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6788% | 1,428 |
| Assets per employee ($millions) | 6.0923% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 1,553 |
| Loan loss allowance to noncurrent loans | 458.6992% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 2,523 |
| Noncurrent loans to loans | 0.3165% | 2,207 |
| Net loans and leases to total assets | 52.3917% | 3,116 |
| Net loans and leases to deposits | 56.0410% | 3,373 |
| Net loans and leases to core deposits | 56.0975% | 3,558 |
| Total domestic deposits to total assets | 93.4882% | 393 |
| Equity capital to assets | 6.1575% | 4,152 |
| Core capital (leverage) ratio | 8.4272% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0663% | 1,172 |
| Memoranda: | ||
| Average total assets | $380,238,333 | 2,125 |
| Average earning assets | $356,310,333 | 2,119 |
| Average equity | $25,803,333 | 2,638 |
| Average total loans | $198,661,000 | 2,245 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9773% | 3,318 |
| Cost of funding earning assets | 0.0384% | 4,668 |
| Net interest margin | 2.9388% | 2,710 |
| Noninterest income to average assets | 0.4758% | 2,273 |
| Noninterest expense to average assets | 2.4294% | 2,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5872% | 3,435 |
| Return on assets (ROA) | 0.5872% | 3,421 |
| Pretax return on assets | 0.8101% | 3,085 |
| Return on Equity (ROE) | 8.2911% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.2911% | 1,487 |
| Net charge-offs to loans | -0.0179% | 3,856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9920% | 1,635 |
| Assets per employee ($millions) | 7.1693% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,875 |
| Loan loss allowance to noncurrent loans | 377.3713% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,466 |
| Noncurrent loans to loans | 0.3731% | 2,149 |
| Net loans and leases to total assets | 51.3300% | 3,038 |
| Net loans and leases to deposits | 55.1328% | 3,331 |
| Net loans and leases to core deposits | 55.1865% | 3,510 |
| Total domestic deposits to total assets | 93.1024% | 250 |
| Equity capital to assets | 6.4999% | 4,425 |
| Core capital (leverage) ratio | 8.0302% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7799% | 1,086 |
| Memoranda: | ||
| Average total assets | $387,590,000 | 2,106 |
| Average earning assets | $364,497,000 | 2,096 |
| Average equity | $27,451,000 | 2,636 |
| Average total loans | $200,826,000 | 2,225 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4150% | 2,897 |
| Cost of funding earning assets | 0.0531% | 4,674 |
| Net interest margin | 3.3619% | 2,136 |
| Noninterest income to average assets | 0.4700% | 2,727 |
| Noninterest expense to average assets | 2.4277% | 2,402 |
| Loan and lease loss provision to assets | -0.1334% | 4,603 |
| Net operating income to assets | 0.9674% | 2,806 |
| Return on assets (ROA) | 0.9674% | 2,869 |
| Pretax return on assets | 1.3360% | 2,250 |
| Return on Equity (ROE) | 12.4580% | 1,669 |
| Retained earnings to average equity (ytd only) | 12.4580% | 475 |
| Net charge-offs to loans | -0.0469% | 4,300 |
| Credit loss provision to net charge-offs | 505.0505% | 793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8724% | 2,140 |
| Assets per employee ($millions) | 7.0573% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 2,088 |
| Loan loss allowance to noncurrent loans | 348.7437% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,559 |
| Noncurrent loans to loans | 0.3905% | 2,191 |
| Net loans and leases to total assets | 50.8723% | 3,184 |
| Net loans and leases to deposits | 55.3163% | 3,484 |
| Net loans and leases to core deposits | 55.3163% | 3,677 |
| Total domestic deposits to total assets | 91.9662% | 188 |
| Equity capital to assets | 7.6426% | 4,537 |
| Core capital (leverage) ratio | 7.8636% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6780% | 1,344 |
| Memoranda: | ||
| Average total assets | $374,920,200 | 2,091 |
| Average earning assets | $352,446,400 | 2,070 |
| Average equity | $29,113,800 | 2,593 |
| Average total loans | $211,191,600 | 2,168 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 2,828 |
| Cost of funding earning assets | 0.0572% | 4,745 |
| Net interest margin | 3.4475% | 2,016 |
| Noninterest income to average assets | 0.4773% | 2,721 |
| Noninterest expense to average assets | 2.4381% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9243% | 3,168 |
| Return on assets (ROA) | 0.9243% | 3,240 |
| Pretax return on assets | 1.2758% | 2,687 |
| Return on Equity (ROE) | 11.8531% | 2,097 |
| Retained earnings to average equity (ytd only) | 11.8531% | 863 |
| Net charge-offs to loans | -0.0507% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6474% | 2,151 |
| Assets per employee ($millions) | 7.0664% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 1,422 |
| Loan loss allowance to noncurrent loans | 670.3704% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 3,281 |
| Noncurrent loans to loans | 0.2338% | 3,001 |
| Net loans and leases to total assets | 52.6430% | 3,124 |
| Net loans and leases to deposits | 57.2464% | 3,468 |
| Net loans and leases to core deposits | 57.2464% | 3,679 |
| Total domestic deposits to total assets | 91.9586% | 138 |
| Equity capital to assets | 7.6696% | 4,662 |
| Core capital (leverage) ratio | 7.8641% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2711% | 1,549 |
| Memoranda: | ||
| Average total assets | $369,848,500 | 2,124 |
| Average earning assets | $347,214,250 | 2,115 |
| Average equity | $28,841,250 | 2,635 |
| Average total loans | $213,032,750 | 2,182 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5837% | 2,674 |
| Cost of funding earning assets | 0.0628% | 4,780 |
| Net interest margin | 3.5208% | 1,799 |
| Noninterest income to average assets | 0.4577% | 2,809 |
| Noninterest expense to average assets | 2.4880% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9208% | 3,161 |
| Return on assets (ROA) | 0.9208% | 3,238 |
| Pretax return on assets | 1.2690% | 2,711 |
| Return on Equity (ROE) | 11.7395% | 2,151 |
| Retained earnings to average equity (ytd only) | 11.7395% | 971 |
| Net charge-offs to loans | -0.0400% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2225% | 2,120 |
| Assets per employee ($millions) | 6.6320% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 1,499 |
| Loan loss allowance to noncurrent loans | 663.9175% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 3,374 |
| Noncurrent loans to loans | 0.2302% | 3,133 |
| Net loans and leases to total assets | 55.8581% | 2,916 |
| Net loans and leases to deposits | 60.8000% | 3,317 |
| Net loans and leases to core deposits | 60.8465% | 3,554 |
| Total domestic deposits to total assets | 91.8719% | 150 |
| Equity capital to assets | 7.8063% | 4,630 |
| Core capital (leverage) ratio | 7.6655% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5384% | 1,459 |
| Memoranda: | ||
| Average total assets | $363,580,667 | 2,138 |
| Average earning assets | $340,713,333 | 2,133 |
| Average equity | $28,519,000 | 2,641 |
| Average total loans | $214,758,333 | 2,181 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 2,255 |
| Cost of funding earning assets | 0.0632% | 4,815 |
| Net interest margin | 3.6808% | 1,378 |
| Noninterest income to average assets | 0.4348% | 2,899 |
| Noninterest expense to average assets | 2.5167% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9787% | 2,875 |
| Return on assets (ROA) | 0.9787% | 2,971 |
| Pretax return on assets | 1.3512% | 2,427 |
| Return on Equity (ROE) | 12.4459% | 1,856 |
| Retained earnings to average equity (ytd only) | 12.4459% | 1,041 |
| Net charge-offs to loans | -0.0221% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0661% | 2,350 |
| Assets per employee ($millions) | 6.5538% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,683 |
| Loan loss allowance to noncurrent loans | 625.2941% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 3,487 |
| Noncurrent loans to loans | 0.2363% | 3,257 |
| Net loans and leases to total assets | 56.9230% | 2,922 |
| Net loans and leases to deposits | 61.7963% | 3,337 |
| Net loans and leases to core deposits | 61.8964% | 3,576 |
| Total domestic deposits to total assets | 92.1141% | 124 |
| Equity capital to assets | 7.4900% | 4,712 |
| Core capital (leverage) ratio | 7.8491% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9194% | 1,317 |
| Memoranda: | ||
| Average total assets | $359,675,500 | 2,142 |
| Average earning assets | $335,471,500 | 2,149 |
| Average equity | $28,282,500 | 2,650 |
| Average total loans | $216,801,500 | 2,165 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 3,416 |
| Cost of funding earning assets | 0.1146% | 4,828 |
| Net interest margin | 3.6447% | 1,994 |
| Noninterest income to average assets | 0.9715% | 1,103 |
| Noninterest expense to average assets | 2.7943% | 1,951 |
| Loan and lease loss provision to assets | 0.2585% | 1,504 |
| Net operating income to assets | 1.1148% | 1,862 |
| Return on assets (ROA) | 1.1148% | 1,981 |
| Pretax return on assets | 1.3828% | 1,710 |
| Return on Equity (ROE) | 13.3358% | 955 |
| Retained earnings to average equity (ytd only) | 13.3358% | 221 |
| Net charge-offs to loans | -0.0146% | 4,346 |
| Credit loss provision to net charge-offs | -2,648.3871% | 4,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9961% | 2,977 |
| Assets per employee ($millions) | 6.0664% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,737 |
| Loan loss allowance to noncurrent loans | 613.3205% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,529 |
| Noncurrent loans to loans | 0.2379% | 3,346 |
| Net loans and leases to total assets | 62.0593% | 2,599 |
| Net loans and leases to deposits | 68.1429% | 3,059 |
| Net loans and leases to core deposits | 68.1990% | 3,405 |
| Total domestic deposits to total assets | 91.0722% | 208 |
| Equity capital to assets | 8.2666% | 4,591 |
| Core capital (leverage) ratio | 8.0834% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0600% | 1,507 |
| Memoranda: | ||
| Average total assets | $317,540,800 | 2,203 |
| Average earning assets | $301,806,400 | 2,168 |
| Average equity | $26,545,000 | 2,709 |
| Average total loans | $211,866,400 | 2,153 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 3,830 |
| Cost of funding earning assets | 0.1286% | 4,859 |
| Net interest margin | 3.5559% | 2,408 |
| Noninterest income to average assets | 1.1200% | 835 |
| Noninterest expense to average assets | 2.8647% | 1,790 |
| Loan and lease loss provision to assets | 0.3334% | 1,163 |
| Net operating income to assets | 1.0817% | 2,042 |
| Return on assets (ROA) | 1.0817% | 2,173 |
| Pretax return on assets | 1.3175% | 1,984 |
| Return on Equity (ROE) | 12.9003% | 1,140 |
| Retained earnings to average equity (ytd only) | 12.9003% | 338 |
| Net charge-offs to loans | -0.0114% | 4,257 |
| Credit loss provision to net charge-offs | -4,311.1111% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4427% | 2,837 |
| Assets per employee ($millions) | 6.2353% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,952 |
| Loan loss allowance to noncurrent loans | 168.9599% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 2,091 |
| Noncurrent loans to loans | 0.7996% | 1,821 |
| Net loans and leases to total assets | 66.4131% | 2,462 |
| Net loans and leases to deposits | 72.7100% | 3,069 |
| Net loans and leases to core deposits | 72.7697% | 3,411 |
| Total domestic deposits to total assets | 91.3397% | 118 |
| Equity capital to assets | 8.0500% | 4,694 |
| Core capital (leverage) ratio | 7.8637% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0757% | 1,484 |
| Memoranda: | ||
| Average total assets | $310,479,250 | 2,216 |
| Average earning assets | $296,474,000 | 2,175 |
| Average equity | $26,035,000 | 2,731 |
| Average total loans | $210,390,500 | 2,161 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 3,930 |
| Cost of funding earning assets | 0.1452% | 4,890 |
| Net interest margin | 3.6304% | 2,377 |
| Noninterest income to average assets | 1.4670% | 488 |
| Noninterest expense to average assets | 3.0849% | 1,384 |
| Loan and lease loss provision to assets | 0.4872% | 748 |
| Net operating income to assets | 1.2000% | 1,637 |
| Return on assets (ROA) | 1.2000% | 1,765 |
| Pretax return on assets | 1.3836% | 1,762 |
| Return on Equity (ROE) | 14.0959% | 867 |
| Retained earnings to average equity (ytd only) | 14.0959% | 271 |
| Net charge-offs to loans | -0.0128% | 4,275 |
| Credit loss provision to net charge-offs | -5,615.3846% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2492% | 3,082 |
| Assets per employee ($millions) | 6.3671% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 2,024 |
| Loan loss allowance to noncurrent loans | 1,237.0968% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 4,159 |
| Noncurrent loans to loans | 0.1047% | 4,033 |
| Net loans and leases to total assets | 69.2513% | 2,150 |
| Net loans and leases to deposits | 76.3171% | 2,825 |
| Net loans and leases to core deposits | 76.4666% | 3,248 |
| Total domestic deposits to total assets | 90.7416% | 214 |
| Equity capital to assets | 7.9640% | 4,735 |
| Core capital (leverage) ratio | 7.9154% | 4,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9946% | 1,824 |
| Memoranda: | ||
| Average total assets | $299,658,000 | 2,258 |
| Average earning assets | $287,956,333 | 2,201 |
| Average equity | $25,511,000 | 2,749 |
| Average total loans | $203,561,333 | 2,195 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 4,008 |
| Cost of funding earning assets | 0.1821% | 4,922 |
| Net interest margin | 3.7338% | 2,204 |
| Noninterest income to average assets | 1.6983% | 322 |
| Noninterest expense to average assets | 3.6245% | 793 |
| Loan and lease loss provision to assets | 0.0712% | 2,849 |
| Net operating income to assets | 1.1569% | 1,669 |
| Return on assets (ROA) | 1.1569% | 1,775 |
| Pretax return on assets | 1.5957% | 1,063 |
| Return on Equity (ROE) | 13.0815% | 869 |
| Retained earnings to average equity (ytd only) | 13.0815% | 313 |
| Net charge-offs to loans | -0.0364% | 4,533 |
| Credit loss provision to net charge-offs | -294.1176% | 3,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4976% | 2,586 |
| Assets per employee ($millions) | 4.7470% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,262 |
| Loan loss allowance to noncurrent loans | 805.3872% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,095 |
| Noncurrent loans to loans | 0.1582% | 3,892 |
| Net loans and leases to total assets | 66.1628% | 2,800 |
| Net loans and leases to deposits | 73.6204% | 3,309 |
| Net loans and leases to core deposits | 73.7957% | 3,651 |
| Total domestic deposits to total assets | 89.8701% | 365 |
| Equity capital to assets | 9.1780% | 4,479 |
| Core capital (leverage) ratio | 8.8602% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3862% | 2,119 |
| Memoranda: | ||
| Average total assets | $280,759,500 | 2,316 |
| Average earning assets | $270,177,500 | 2,268 |
| Average equity | $24,829,000 | 2,787 |
| Average total loans | $186,962,000 | 2,289 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 3,732 |
| Cost of funding earning assets | 0.2139% | 4,926 |
| Net interest margin | 4.0157% | 1,807 |
| Noninterest income to average assets | 0.6193% | 2,133 |
| Noninterest expense to average assets | 3.2298% | 1,447 |
| Loan and lease loss provision to assets | 0.0180% | 3,653 |
| Net operating income to assets | 0.8764% | 3,294 |
| Return on assets (ROA) | 0.8631% | 3,440 |
| Pretax return on assets | 1.1589% | 2,985 |
| Return on Equity (ROE) | 10.1326% | 2,239 |
| Retained earnings to average equity (ytd only) | 5.8227% | 1,964 |
| Net charge-offs to loans | -0.1255% | 4,988 |
| Credit loss provision to net charge-offs | -22.0721% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0124% | 1,733 |
| Assets per employee ($millions) | 4.7703% | 2,868 |
| Cash dividends to net income (ytd only)* | 42.5351% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,180 |
| Loan loss allowance to noncurrent loans | 645.8333% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,004 |
| Noncurrent loans to loans | 0.1933% | 3,765 |
| Net loans and leases to total assets | 65.3422% | 3,034 |
| Net loans and leases to deposits | 72.2026% | 3,508 |
| Net loans and leases to core deposits | 72.6688% | 3,816 |
| Total domestic deposits to total assets | 90.4984% | 197 |
| Equity capital to assets | 8.5107% | 4,911 |
| Core capital (leverage) ratio | 8.6477% | 4,761 |
| Tier 1 risk-based capital ratio | 12.3115% | 4,180 |
| Total risk-based capital ratio | 13.5137% | 4,078 |
| Memoranda: | ||
| Average total assets | $272,403,400 | 2,318 |
| Average earning assets | $258,065,000 | 2,286 |
| Average equity | $23,202,400 | 2,854 |
| Average total loans | $176,874,400 | 2,352 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 3,812 |
| Cost of funding earning assets | 0.2143% | 5,008 |
| Net interest margin | 4.0338% | 1,821 |
| Noninterest income to average assets | 0.5967% | 2,217 |
| Noninterest expense to average assets | 3.2668% | 1,336 |
| Loan and lease loss provision to assets | 0.0242% | 3,412 |
| Net operating income to assets | 0.8185% | 3,610 |
| Return on assets (ROA) | 0.8005% | 3,742 |
| Pretax return on assets | 1.1011% | 3,293 |
| Return on Equity (ROE) | 9.3966% | 2,715 |
| Retained earnings to average equity (ytd only) | 9.3966% | 927 |
| Net charge-offs to loans | -0.1276% | 5,040 |
| Credit loss provision to net charge-offs | -29.3413% | 3,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9966% | 1,572 |
| Assets per employee ($millions) | 4.5100% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,221 |
| Loan loss allowance to noncurrent loans | 610.2151% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 2,886 |
| Noncurrent loans to loans | 0.2053% | 3,807 |
| Net loans and leases to total assets | 65.0301% | 3,173 |
| Net loans and leases to deposits | 71.8818% | 3,620 |
| Net loans and leases to core deposits | 72.5158% | 3,915 |
| Total domestic deposits to total assets | 90.4681% | 177 |
| Equity capital to assets | 8.8064% | 4,876 |
| Core capital (leverage) ratio | 8.9230% | 4,691 |
| Tier 1 risk-based capital ratio | 12.6522% | 4,059 |
| Total risk-based capital ratio | 13.8450% | 3,961 |
| Memoranda: | ||
| Average total assets | $270,142,750 | 2,347 |
| Average earning assets | $255,697,250 | 2,311 |
| Average equity | $23,014,750 | 2,887 |
| Average total loans | $174,536,000 | 2,401 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 3,642 |
| Cost of funding earning assets | 0.1809% | 5,114 |
| Net interest margin | 4.1151% | 1,569 |
| Noninterest income to average assets | 0.5855% | 2,217 |
| Noninterest expense to average assets | 3.2813% | 1,316 |
| Loan and lease loss provision to assets | 0.0119% | 3,521 |
| Net operating income to assets | 0.8644% | 3,417 |
| Return on assets (ROA) | 0.8373% | 3,575 |
| Pretax return on assets | 1.1546% | 3,065 |
| Return on Equity (ROE) | 9.9422% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.9422% | 773 |
| Net charge-offs to loans | -0.1021% | 5,001 |
| Credit loss provision to net charge-offs | -18.1818% | 3,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2092% | 1,747 |
| Assets per employee ($millions) | 4.4510% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,534 |
| Loan loss allowance to noncurrent loans | 539.5000% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 2,787 |
| Noncurrent loans to loans | 0.2221% | 3,740 |
| Net loans and leases to total assets | 66.6441% | 3,022 |
| Net loans and leases to deposits | 73.7883% | 3,536 |
| Net loans and leases to core deposits | 74.7317% | 3,844 |
| Total domestic deposits to total assets | 90.3180% | 235 |
| Equity capital to assets | 8.8946% | 4,855 |
| Core capital (leverage) ratio | 8.7539% | 4,804 |
| Tier 1 risk-based capital ratio | 12.3427% | 4,220 |
| Total risk-based capital ratio | 13.4722% | 4,159 |
| Memoranda: | ||
| Average total assets | $268,487,670 | 2,366 |
| Average earning assets | $254,237,330 | 2,330 |
| Average equity | $22,610,670 | 2,916 |
| Average total loans | $172,323,670 | 2,430 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 4,523 |
| Cost of funding earning assets | 0.1021% | 5,280 |
| Net interest margin | 3.8152% | 2,466 |
| Noninterest income to average assets | 0.5810% | 2,138 |
| Noninterest expense to average assets | 3.2897% | 1,307 |
| Loan and lease loss provision to assets | 0.0238% | 3,119 |
| Net operating income to assets | 0.6374% | 4,127 |
| Return on assets (ROA) | 0.6374% | 4,168 |
| Pretax return on assets | 0.8782% | 3,832 |
| Return on Equity (ROE) | 7.7862% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.7862% | 1,743 |
| Net charge-offs to loans | 0.1591% | 842 |
| Credit loss provision to net charge-offs | 23.8806% | 2,117 |
| Earnings coverage of net charge-offs (x) | 9.0597% | 2,051 |
| Efficiency ratio | 78.4828% | 1,217 |
| Assets per employee ($millions) | 4.7621% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,747 |
| Loan loss allowance to noncurrent loans | 641.9872% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 2,995 |
| Noncurrent loans to loans | 0.1821% | 3,936 |
| Net loans and leases to total assets | 62.3806% | 3,466 |
| Net loans and leases to deposits | 68.5800% | 3,876 |
| Net loans and leases to core deposits | 69.4358% | 4,108 |
| Total domestic deposits to total assets | 90.9603% | 182 |
| Equity capital to assets | 8.3305% | 5,071 |
| Core capital (leverage) ratio | 8.5770% | 4,959 |
| Tier 1 risk-based capital ratio | 12.5272% | 4,152 |
| Total risk-based capital ratio | 13.6235% | 4,117 |
| Memoranda: | ||
| Average total assets | $269,200,500 | 2,377 |
| Average earning assets | $254,769,000 | 2,346 |
| Average equity | $22,039,000 | 2,971 |
| Average total loans | $168,416,000 | 2,488 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 4,343 |
| Cost of funding earning assets | 0.1023% | 5,280 |
| Net interest margin | 3.7653% | 2,803 |
| Noninterest income to average assets | 0.6203% | 2,189 |
| Noninterest expense to average assets | 3.0468% | 1,945 |
| Loan and lease loss provision to assets | -0.0927% | 5,260 |
| Net operating income to assets | 0.8801% | 3,496 |
| Return on assets (ROA) | 0.8801% | 3,485 |
| Pretax return on assets | 1.2149% | 2,830 |
| Return on Equity (ROE) | 11.3413% | 1,963 |
| Retained earnings to average equity (ytd only) | 6.5640% | 1,891 |
| Net charge-offs to loans | -0.1881% | 5,258 |
| Credit loss provision to net charge-offs | 83.0565% | 2,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0814% | 1,751 |
| Assets per employee ($millions) | 4.5248% | 3,133 |
| Cash dividends to net income (ytd only)* | 42.1230% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,350 |
| Loan loss allowance to noncurrent loans | 404.3307% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 2,653 |
| Noncurrent loans to loans | 0.3069% | 3,449 |
| Net loans and leases to total assets | 61.2259% | 3,644 |
| Net loans and leases to deposits | 67.1168% | 4,039 |
| Net loans and leases to core deposits | 67.9658% | 4,238 |
| Total domestic deposits to total assets | 91.2228% | 162 |
| Equity capital to assets | 8.0408% | 5,148 |
| Core capital (leverage) ratio | 8.2756% | 5,133 |
| Tier 1 risk-based capital ratio | 12.7646% | 3,983 |
| Total risk-based capital ratio | 13.9320% | 3,913 |
| Memoranda: | ||
| Average total assets | $269,727,800 | 2,335 |
| Average earning assets | $254,214,400 | 2,308 |
| Average equity | $20,932,400 | 3,002 |
| Average total loans | $160,055,600 | 2,528 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 4,339 |
| Cost of funding earning assets | 0.1021% | 5,350 |
| Net interest margin | 3.7382% | 2,869 |
| Noninterest income to average assets | 0.6281% | 2,174 |
| Noninterest expense to average assets | 3.0116% | 1,987 |
| Loan and lease loss provision to assets | -0.1233% | 5,368 |
| Net operating income to assets | 0.9126% | 3,467 |
| Return on assets (ROA) | 0.9126% | 3,475 |
| Pretax return on assets | 1.2602% | 2,769 |
| Return on Equity (ROE) | 11.8657% | 1,842 |
| Retained earnings to average equity (ytd only) | 11.8657% | 496 |
| Net charge-offs to loans | -0.2092% | 5,306 |
| Credit loss provision to net charge-offs | 100.4016% | 2,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5933% | 1,795 |
| Assets per employee ($millions) | 4.8336% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,247 |
| Loan loss allowance to noncurrent loans | 498.0100% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 2,940 |
| Noncurrent loans to loans | 0.2554% | 3,776 |
| Net loans and leases to total assets | 57.4017% | 4,097 |
| Net loans and leases to deposits | 62.7686% | 4,405 |
| Net loans and leases to core deposits | 63.6642% | 4,538 |
| Total domestic deposits to total assets | 91.4497% | 138 |
| Equity capital to assets | 7.9034% | 5,209 |
| Core capital (leverage) ratio | 8.4040% | 5,140 |
| Tier 1 risk-based capital ratio | 14.0004% | 3,373 |
| Total risk-based capital ratio | 15.2225% | 3,294 |
| Memoranda: | ||
| Average total assets | $270,418,750 | 2,337 |
| Average earning assets | $254,660,250 | 2,318 |
| Average equity | $20,799,000 | 3,041 |
| Average total loans | $158,693,250 | 2,552 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 4,474 |
| Cost of funding earning assets | 0.1046% | 5,398 |
| Net interest margin | 3.6424% | 3,149 |
| Noninterest income to average assets | 0.6355% | 2,154 |
| Noninterest expense to average assets | 3.0244% | 1,980 |
| Loan and lease loss provision to assets | -0.1850% | 5,469 |
| Net operating income to assets | 0.8856% | 3,522 |
| Return on assets (ROA) | 0.8856% | 3,526 |
| Pretax return on assets | 1.2237% | 2,853 |
| Return on Equity (ROE) | 11.6208% | 1,865 |
| Retained earnings to average equity (ytd only) | 11.6208% | 572 |
| Net charge-offs to loans | -0.1408% | 5,254 |
| Credit loss provision to net charge-offs | 223.2143% | 1,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4355% | 1,646 |
| Assets per employee ($millions) | 4.7500% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 2,963 |
| Loan loss allowance to noncurrent loans | 448.3173% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 2,949 |
| Noncurrent loans to loans | 0.2573% | 3,780 |
| Net loans and leases to total assets | 59.0379% | 3,897 |
| Net loans and leases to deposits | 64.3615% | 4,263 |
| Net loans and leases to core deposits | 64.8787% | 4,434 |
| Total domestic deposits to total assets | 91.7285% | 116 |
| Equity capital to assets | 7.7289% | 5,314 |
| Core capital (leverage) ratio | 8.2579% | 5,230 |
| Tier 1 risk-based capital ratio | 13.0160% | 3,885 |
| Total risk-based capital ratio | 14.1055% | 3,891 |
| Memoranda: | ||
| Average total assets | $270,331,670 | 2,349 |
| Average earning assets | $254,395,000 | 2,326 |
| Average equity | $20,601,000 | 3,070 |
| Average total loans | $159,132,000 | 2,554 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,513 |
| Cost of funding earning assets | 0.1023% | 5,459 |
| Net interest margin | 3.5767% | 3,262 |
| Noninterest income to average assets | 0.6234% | 2,158 |
| Noninterest expense to average assets | 2.9631% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7404% | 3,944 |
| Return on assets (ROA) | 0.7404% | 3,944 |
| Pretax return on assets | 1.0262% | 3,444 |
| Return on Equity (ROE) | 9.7855% | 2,547 |
| Retained earnings to average equity (ytd only) | 9.7855% | 1,227 |
| Net charge-offs to loans | -0.1850% | 5,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2762% | 1,861 |
| Assets per employee ($millions) | 4.7708% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,226 |
| Loan loss allowance to noncurrent loans | 337.0130% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 2,792 |
| Noncurrent loans to loans | 0.3869% | 3,398 |
| Net loans and leases to total assets | 57.7915% | 3,959 |
| Net loans and leases to deposits | 62.8664% | 4,279 |
| Net loans and leases to core deposits | 63.3678% | 4,463 |
| Total domestic deposits to total assets | 91.9275% | 118 |
| Equity capital to assets | 7.4764% | 5,423 |
| Core capital (leverage) ratio | 8.0967% | 5,364 |
| Tier 1 risk-based capital ratio | 12.7509% | 4,090 |
| Total risk-based capital ratio | 13.9773% | 3,996 |
| Memoranda: | ||
| Average total assets | $270,122,500 | 2,368 |
| Average earning assets | $254,201,000 | 2,340 |
| Average equity | $20,438,500 | 3,114 |
| Average total loans | $157,843,000 | 2,595 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4458% | 4,870 |
| Cost of funding earning assets | 0.1163% | 5,430 |
| Net interest margin | 3.3295% | 4,069 |
| Noninterest income to average assets | 0.5727% | 2,589 |
| Noninterest expense to average assets | 2.8907% | 2,486 |
| Loan and lease loss provision to assets | -0.0733% | 5,435 |
| Net operating income to assets | 0.4070% | 4,667 |
| Return on assets (ROA) | 0.4070% | 4,691 |
| Pretax return on assets | 0.8825% | 3,967 |
| Return on Equity (ROE) | 5.3075% | 4,038 |
| Retained earnings to average equity (ytd only) | 1.4823% | 4,411 |
| Net charge-offs to loans | -0.0693% | 5,271 |
| Credit loss provision to net charge-offs | 180.1802% | 1,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1290% | 1,331 |
| Assets per employee ($millions) | 4.5476% | 3,116 |
| Cash dividends to net income (ytd only)* | 72.0721% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,317 |
| Loan loss allowance to noncurrent loans | 146.3112% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.8106% | 1,923 |
| Noncurrent loans to loans | 0.8750% | 2,035 |
| Net loans and leases to total assets | 57.5646% | 4,055 |
| Net loans and leases to deposits | 62.5756% | 4,401 |
| Net loans and leases to core deposits | 63.0809% | 4,594 |
| Total domestic deposits to total assets | 91.9921% | 83 |
| Equity capital to assets | 7.6576% | 5,503 |
| Core capital (leverage) ratio | 7.8363% | 5,487 |
| Tier 1 risk-based capital ratio | 12.7745% | 4,046 |
| Total risk-based capital ratio | 13.9881% | 3,967 |
| Memoranda: | ||
| Average total assets | $272,736,400 | 2,330 |
| Average earning assets | $256,163,400 | 2,310 |
| Average equity | $20,913,800 | 3,040 |
| Average total loans | $160,174,800 | 2,548 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4243% | 4,932 |
| Cost of funding earning assets | 0.1213% | 5,470 |
| Net interest margin | 3.3030% | 4,166 |
| Noninterest income to average assets | 0.5624% | 2,657 |
| Noninterest expense to average assets | 2.8546% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4470% | 4,887 |
| Return on assets (ROA) | 0.4470% | 4,916 |
| Pretax return on assets | 0.8102% | 4,324 |
| Return on Equity (ROE) | 5.8268% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.8268% | 2,359 |
| Net charge-offs to loans | -0.0728% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8929% | 1,343 |
| Assets per employee ($millions) | 4.5802% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,106 |
| Loan loss allowance to noncurrent loans | 73.0563% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 1,132 |
| Noncurrent loans to loans | 1.8520% | 945 |
| Net loans and leases to total assets | 57.8376% | 4,074 |
| Net loans and leases to deposits | 63.2389% | 4,433 |
| Net loans and leases to core deposits | 63.8188% | 4,613 |
| Total domestic deposits to total assets | 91.4589% | 107 |
| Equity capital to assets | 7.8672% | 5,553 |
| Core capital (leverage) ratio | 7.8460% | 5,559 |
| Tier 1 risk-based capital ratio | 12.8188% | 4,130 |
| Total risk-based capital ratio | 14.0693% | 4,034 |
| Memoranda: | ||
| Average total assets | $273,843,250 | 2,339 |
| Average earning assets | $257,210,750 | 2,314 |
| Average equity | $21,005,750 | 3,063 |
| Average total loans | $161,105,000 | 2,552 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3739% | 4,998 |
| Cost of funding earning assets | 0.1291% | 5,453 |
| Net interest margin | 3.2447% | 4,278 |
| Noninterest income to average assets | 0.5579% | 2,666 |
| Noninterest expense to average assets | 2.8056% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4307% | 4,893 |
| Return on assets (ROA) | 0.4307% | 4,921 |
| Pretax return on assets | 0.8021% | 4,270 |
| Return on Equity (ROE) | 5.6632% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.6632% | 2,316 |
| Net charge-offs to loans | -0.0646% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7665% | 1,496 |
| Assets per employee ($millions) | 4.6985% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,400 |
| Loan loss allowance to noncurrent loans | 69.0055% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 1,116 |
| Noncurrent loans to loans | 1.8873% | 925 |
| Net loans and leases to total assets | 58.6133% | 3,965 |
| Net loans and leases to deposits | 65.3981% | 4,266 |
| Net loans and leases to core deposits | 66.2579% | 4,455 |
| Total domestic deposits to total assets | 89.6253% | 672 |
| Equity capital to assets | 7.6941% | 5,619 |
| Core capital (leverage) ratio | 7.7757% | 5,595 |
| Tier 1 risk-based capital ratio | 12.3623% | 4,379 |
| Total risk-based capital ratio | 13.6030% | 4,274 |
| Memoranda: | ||
| Average total assets | $273,520,670 | 2,349 |
| Average earning assets | $257,095,000 | 2,325 |
| Average equity | $20,801,000 | 3,082 |
| Average total loans | $161,098,670 | 2,542 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3410% | 5,049 |
| Cost of funding earning assets | 0.1287% | 5,499 |
| Net interest margin | 3.2123% | 4,298 |
| Noninterest income to average assets | 0.5669% | 2,570 |
| Noninterest expense to average assets | 2.7901% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4255% | 4,869 |
| Return on assets (ROA) | 0.4255% | 4,891 |
| Pretax return on assets | 0.7907% | 4,139 |
| Return on Equity (ROE) | 5.6289% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.6289% | 2,528 |
| Net charge-offs to loans | -0.0728% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9194% | 1,639 |
| Assets per employee ($millions) | 4.7404% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 2,329 |
| Loan loss allowance to noncurrent loans | 133.9861% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 2,111 |
| Noncurrent loans to loans | 1.0025% | 2,047 |
| Net loans and leases to total assets | 56.6617% | 4,104 |
| Net loans and leases to deposits | 63.1872% | 4,357 |
| Net loans and leases to core deposits | 64.1288% | 4,525 |
| Total domestic deposits to total assets | 89.6728% | 809 |
| Equity capital to assets | 7.5674% | 5,665 |
| Core capital (leverage) ratio | 7.8305% | 5,619 |
| Tier 1 risk-based capital ratio | 12.8282% | 4,182 |
| Total risk-based capital ratio | 14.0786% | 4,084 |
| Memoranda: | ||
| Average total assets | $271,675,000 | 2,384 |
| Average earning assets | $254,895,000 | 2,356 |
| Average equity | $20,537,000 | 3,121 |
| Average total loans | $159,334,500 | 2,587 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3811% | 5,021 |
| Cost of funding earning assets | 0.1396% | 5,488 |
| Net interest margin | 3.2415% | 4,324 |
| Noninterest income to average assets | 0.6146% | 2,586 |
| Noninterest expense to average assets | 2.8731% | 2,773 |
| Loan and lease loss provision to assets | 0.0757% | 2,842 |
| Net operating income to assets | 0.3932% | 4,964 |
| Return on assets (ROA) | 0.3932% | 5,046 |
| Pretax return on assets | 0.7065% | 4,465 |
| Return on Equity (ROE) | 5.0960% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.0960% | 2,286 |
| Net charge-offs to loans | -0.0192% | 5,114 |
| Credit loss provision to net charge-offs | -645.1613% | 5,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6003% | 1,610 |
| Assets per employee ($millions) | 4.7089% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,538 |
| Loan loss allowance to noncurrent loans | 212.1704% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 2,683 |
| Noncurrent loans to loans | 0.6133% | 3,012 |
| Net loans and leases to total assets | 59.1149% | 3,947 |
| Net loans and leases to deposits | 65.9347% | 4,244 |
| Net loans and leases to core deposits | 67.0121% | 4,466 |
| Total domestic deposits to total assets | 89.6567% | 791 |
| Equity capital to assets | 7.5512% | 5,706 |
| Core capital (leverage) ratio | 7.8149% | 5,681 |
| Tier 1 risk-based capital ratio | 12.4965% | 4,375 |
| Total risk-based capital ratio | 13.7465% | 4,268 |
| Memoranda: | ||
| Average total assets | $264,245,600 | 2,398 |
| Average earning assets | $247,877,200 | 2,375 |
| Average equity | $20,388,400 | 3,129 |
| Average total loans | $161,313,800 | 2,505 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 5,005 |
| Cost of funding earning assets | 0.1413% | 5,537 |
| Net interest margin | 3.2705% | 4,278 |
| Noninterest income to average assets | 0.5810% | 2,759 |
| Noninterest expense to average assets | 2.8737% | 2,725 |
| Loan and lease loss provision to assets | 0.1013% | 2,219 |
| Net operating income to assets | 0.3830% | 5,077 |
| Return on assets (ROA) | 0.3830% | 5,165 |
| Pretax return on assets | 0.6788% | 4,672 |
| Return on Equity (ROE) | 4.9366% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.9366% | 2,873 |
| Net charge-offs to loans | 0.0025% | 3,851 |
| Credit loss provision to net charge-offs | 6,666.6667% | 86 |
| Earnings coverage of net charge-offs (x) | 513.3200% | 174 |
| Efficiency ratio | 78.6497% | 1,599 |
| Assets per employee ($millions) | 4.5923% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,807 |
| Loan loss allowance to noncurrent loans | 143.1154% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 1,913 |
| Noncurrent loans to loans | 0.8926% | 2,473 |
| Net loans and leases to total assets | 59.7144% | 3,915 |
| Net loans and leases to deposits | 66.8744% | 4,257 |
| Net loans and leases to core deposits | 67.9864% | 4,472 |
| Total domestic deposits to total assets | 89.2935% | 757 |
| Equity capital to assets | 7.8727% | 5,778 |
| Core capital (leverage) ratio | 7.7696% | 5,772 |
| Tier 1 risk-based capital ratio | 12.5337% | 4,452 |
| Total risk-based capital ratio | 13.7840% | 4,355 |
| Memoranda: | ||
| Average total assets | $263,205,500 | 2,412 |
| Average earning assets | $247,297,000 | 2,393 |
| Average equity | $20,418,500 | 3,154 |
| Average total loans | $161,452,250 | 2,508 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3690% | 5,148 |
| Cost of funding earning assets | 0.1436% | 5,588 |
| Net interest margin | 3.2254% | 4,467 |
| Noninterest income to average assets | 0.5745% | 2,765 |
| Noninterest expense to average assets | 2.8739% | 2,761 |
| Loan and lease loss provision to assets | 0.1282% | 1,779 |
| Net operating income to assets | 0.3517% | 5,175 |
| Return on assets (ROA) | 0.3517% | 5,261 |
| Pretax return on assets | 0.6050% | 4,872 |
| Return on Equity (ROE) | 4.5565% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.5565% | 3,012 |
| Net charge-offs to loans | -0.0408% | 5,280 |
| Credit loss provision to net charge-offs | -509.0909% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6743% | 1,534 |
| Assets per employee ($millions) | 4.5348% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,948 |
| Loan loss allowance to noncurrent loans | 117.2257% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 2,136 |
| Noncurrent loans to loans | 1.0842% | 2,121 |
| Net loans and leases to total assets | 61.9709% | 3,633 |
| Net loans and leases to deposits | 69.7500% | 4,005 |
| Net loans and leases to core deposits | 70.8796% | 4,261 |
| Total domestic deposits to total assets | 88.8471% | 983 |
| Equity capital to assets | 8.0060% | 5,807 |
| Core capital (leverage) ratio | 7.6874% | 5,842 |
| Tier 1 risk-based capital ratio | 12.4206% | 4,579 |
| Total risk-based capital ratio | 13.6703% | 4,492 |
| Memoranda: | ||
| Average total assets | $262,157,000 | 2,444 |
| Average earning assets | $246,484,000 | 2,413 |
| Average equity | $20,235,000 | 3,172 |
| Average total loans | $161,567,000 | 2,514 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4087% | 5,112 |
| Cost of funding earning assets | 0.1482% | 5,624 |
| Net interest margin | 3.2605% | 4,358 |
| Noninterest income to average assets | 0.5046% | 3,086 |
| Noninterest expense to average assets | 2.8364% | 2,931 |
| Loan and lease loss provision to assets | 0.1379% | 1,518 |
| Net operating income to assets | 0.3546% | 5,127 |
| Return on assets (ROA) | 0.3546% | 5,213 |
| Pretax return on assets | 0.5970% | 4,829 |
| Return on Equity (ROE) | 4.6787% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.6787% | 3,130 |
| Net charge-offs to loans | -0.0521% | 5,349 |
| Credit loss provision to net charge-offs | -433.3333% | 4,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4230% | 1,677 |
| Assets per employee ($millions) | 4.6488% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 3,294 |
| Loan loss allowance to noncurrent loans | 108.4066% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 1,997 |
| Noncurrent loans to loans | 1.1368% | 2,127 |
| Net loans and leases to total assets | 59.6749% | 3,825 |
| Net loans and leases to deposits | 66.8550% | 4,172 |
| Net loans and leases to core deposits | 67.9831% | 4,401 |
| Total domestic deposits to total assets | 89.2603% | 969 |
| Equity capital to assets | 7.6470% | 5,918 |
| Core capital (leverage) ratio | 7.6204% | 5,898 |
| Tier 1 risk-based capital ratio | 12.4834% | 4,581 |
| Total risk-based capital ratio | 13.7168% | 4,515 |
| Memoranda: | ||
| Average total assets | $263,995,000 | 2,436 |
| Average earning assets | $248,307,000 | 2,403 |
| Average equity | $20,005,500 | 3,199 |
| Average total loans | $161,228,000 | 2,511 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1621% | 5,559 |
| Cost of funding earning assets | 0.1787% | 5,471 |
| Net interest margin | 2.9834% | 5,179 |
| Noninterest income to average assets | 0.8498% | 1,608 |
| Noninterest expense to average assets | 2.9148% | 2,806 |
| Loan and lease loss provision to assets | -0.0918% | 5,842 |
| Net operating income to assets | 0.4598% | 4,845 |
| Return on assets (ROA) | 0.4813% | 4,847 |
| Pretax return on assets | 0.8391% | 4,070 |
| Return on Equity (ROE) | 6.6865% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.6865% | 1,446 |
| Net charge-offs to loans | -0.0727% | 5,681 |
| Credit loss provision to net charge-offs | 214.2857% | 1,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3332% | 1,628 |
| Assets per employee ($millions) | 4.8706% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,774 |
| Loan loss allowance to noncurrent loans | 101.7496% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 1,875 |
| Noncurrent loans to loans | 1.1265% | 2,093 |
| Net loans and leases to total assets | 61.0225% | 3,687 |
| Net loans and leases to deposits | 68.2857% | 4,108 |
| Net loans and leases to core deposits | 69.5188% | 4,333 |
| Total domestic deposits to total assets | 89.3636% | 930 |
| Equity capital to assets | 7.5084% | 5,982 |
| Core capital (leverage) ratio | 7.5158% | 5,976 |
| Tier 1 risk-based capital ratio | 12.4734% | 4,651 |
| Total risk-based capital ratio | 13.6496% | 4,593 |
| Memoranda: | ||
| Average total assets | $261,351,600 | 2,414 |
| Average earning assets | $243,413,600 | 2,393 |
| Average equity | $18,814,000 | 3,279 |
| Average total loans | $154,012,800 | 2,542 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2489% | 5,510 |
| Cost of funding earning assets | 0.1825% | 5,527 |
| Net interest margin | 3.0664% | 5,042 |
| Noninterest income to average assets | 0.9461% | 1,328 |
| Noninterest expense to average assets | 2.9078% | 2,824 |
| Loan and lease loss provision to assets | -0.1277% | 6,037 |
| Net operating income to assets | 0.5700% | 4,526 |
| Return on assets (ROA) | 1.9009% | 444 |
| Pretax return on assets | 2.3633% | 307 |
| Return on Equity (ROE) | 26.6252% | 87 |
| Retained earnings to average equity (ytd only) | 26.6252% | 36 |
| Net charge-offs to loans | -0.0763% | 5,689 |
| Credit loss provision to net charge-offs | 287.3563% | 1,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5980% | 2,146 |
| Assets per employee ($millions) | 4.7367% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,919 |
| Loan loss allowance to noncurrent loans | 63.3148% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.6840% | 1,287 |
| Noncurrent loans to loans | 1.8172% | 1,300 |
| Net loans and leases to total assets | 60.2205% | 3,855 |
| Net loans and leases to deposits | 67.9007% | 4,199 |
| Net loans and leases to core deposits | 69.9944% | 4,369 |
| Total domestic deposits to total assets | 88.6890% | 1,182 |
| Equity capital to assets | 7.6479% | 6,047 |
| Core capital (leverage) ratio | 7.5902% | 6,035 |
| Tier 1 risk-based capital ratio | 12.4748% | 4,777 |
| Total risk-based capital ratio | 13.6341% | 4,741 |
| Memoranda: | ||
| Average total assets | $260,989,750 | 2,436 |
| Average earning assets | $242,580,000 | 2,415 |
| Average equity | $18,633,500 | 3,327 |
| Average total loans | $151,979,750 | 2,584 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0942% | 5,750 |
| Cost of funding earning assets | 0.1850% | 5,572 |
| Net interest margin | 2.9092% | 5,427 |
| Noninterest income to average assets | 1.0791% | 1,029 |
| Noninterest expense to average assets | 2.9309% | 2,781 |
| Loan and lease loss provision to assets | -0.1915% | 6,177 |
| Net operating income to assets | 0.6441% | 4,150 |
| Return on assets (ROA) | 2.5962% | 155 |
| Pretax return on assets | 2.9899% | 136 |
| Return on Equity (ROE) | 37.2459% | 29 |
| Retained earnings to average equity (ytd only) | 37.2459% | 16 |
| Net charge-offs to loans | -0.0040% | 4,694 |
| Credit loss provision to net charge-offs | 8,333.3333% | 59 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5953% | 2,125 |
| Assets per employee ($millions) | 4.7316% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 4,134 |
| Loan loss allowance to noncurrent loans | 66.4125% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 1,075 |
| Noncurrent loans to loans | 1.7163% | 1,502 |
| Net loans and leases to total assets | 59.1345% | 3,956 |
| Net loans and leases to deposits | 66.8172% | 4,245 |
| Net loans and leases to core deposits | 69.0219% | 4,413 |
| Total domestic deposits to total assets | 88.5019% | 1,411 |
| Equity capital to assets | 7.5909% | 6,100 |
| Core capital (leverage) ratio | 7.2899% | 6,140 |
| Tier 1 risk-based capital ratio | 12.4472% | 4,843 |
| Total risk-based capital ratio | 13.5842% | 4,815 |
| Memoranda: | ||
| Average total assets | $261,147,670 | 2,447 |
| Average earning assets | $242,197,000 | 2,442 |
| Average equity | $18,203,330 | 3,396 |
| Average total loans | $149,736,330 | 2,621 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0260% | 5,868 |
| Cost of funding earning assets | 0.1862% | 5,637 |
| Net interest margin | 2.8398% | 5,570 |
| Noninterest income to average assets | 1.2982% | 684 |
| Noninterest expense to average assets | 2.9328% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0121% | 2,206 |
| Return on assets (ROA) | 1.0121% | 2,343 |
| Pretax return on assets | 1.0121% | 3,449 |
| Return on Equity (ROE) | 16.0410% | 566 |
| Retained earnings to average equity (ytd only) | 16.0410% | 218 |
| Net charge-offs to loans | 0.0216% | 2,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 83.1250% | 576 |
| Efficiency ratio | 74.3441% | 2,759 |
| Assets per employee ($millions) | 4.7207% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 3,224 |
| Loan loss allowance to noncurrent loans | 69.3142% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.0831% | 1,114 |
| Noncurrent loans to loans | 1.9246% | 1,389 |
| Net loans and leases to total assets | 55.4235% | 4,270 |
| Net loans and leases to deposits | 61.8932% | 4,579 |
| Net loans and leases to core deposits | 63.9428% | 4,701 |
| Total domestic deposits to total assets | 89.5469% | 969 |
| Equity capital to assets | 6.5104% | 6,304 |
| Core capital (leverage) ratio | 6.3971% | 6,309 |
| Tier 1 risk-based capital ratio | 11.8506% | 5,336 |
| Total risk-based capital ratio | 13.1112% | 5,221 |
| Memoranda: | ||
| Average total assets | $262,818,500 | 2,446 |
| Average earning assets | $244,947,500 | 2,428 |
| Average equity | $16,582,500 | 3,655 |
| Average total loans | $148,188,000 | 2,648 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1415% | 5,909 |
| Cost of funding earning assets | 0.2135% | 5,637 |
| Net interest margin | 2.9279% | 5,589 |
| Noninterest income to average assets | 0.8322% | 1,740 |
| Noninterest expense to average assets | 3.0121% | 2,806 |
| Loan and lease loss provision to assets | -0.0355% | 5,988 |
| Net operating income to assets | 0.5911% | 4,414 |
| Return on assets (ROA) | 0.5911% | 4,497 |
| Pretax return on assets | 0.5911% | 4,972 |
| Return on Equity (ROE) | 10.3824% | 1,962 |
| Retained earnings to average equity (ytd only) | 10.3824% | 460 |
| Net charge-offs to loans | 0.0410% | 4,004 |
| Credit loss provision to net charge-offs | -150.8197% | 5,575 |
| Earnings coverage of net charge-offs (x) | 23.6066% | 1,572 |
| Efficiency ratio | 84.4274% | 1,353 |
| Assets per employee ($millions) | 4.5838% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 3,199 |
| Loan loss allowance to noncurrent loans | 59.6760% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.4082% | 969 |
| Noncurrent loans to loans | 2.2539% | 1,165 |
| Net loans and leases to total assets | 55.8367% | 4,359 |
| Net loans and leases to deposits | 61.8959% | 4,737 |
| Net loans and leases to core deposits | 64.2073% | 4,810 |
| Total domestic deposits to total assets | 90.2107% | 647 |
| Equity capital to assets | 6.1062% | 6,407 |
| Core capital (leverage) ratio | 6.1046% | 6,404 |
| Tier 1 risk-based capital ratio | 11.8136% | 5,482 |
| Total risk-based capital ratio | 13.0663% | 5,394 |
| Memoranda: | ||
| Average total assets | $259,187,400 | 2,438 |
| Average earning assets | $242,149,000 | 2,413 |
| Average equity | $14,755,800 | 3,886 |
| Average total loans | $148,712,200 | 2,591 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1371% | 5,971 |
| Cost of funding earning assets | 0.2166% | 5,699 |
| Net interest margin | 2.9205% | 5,659 |
| Noninterest income to average assets | 0.8510% | 1,693 |
| Noninterest expense to average assets | 3.0401% | 2,673 |
| Loan and lease loss provision to assets | -0.0474% | 6,182 |
| Net operating income to assets | 0.5897% | 4,480 |
| Return on assets (ROA) | 0.5897% | 4,575 |
| Pretax return on assets | 0.5897% | 5,060 |
| Return on Equity (ROE) | 10.5511% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.5511% | 580 |
| Net charge-offs to loans | 0.0985% | 2,816 |
| Credit loss provision to net charge-offs | -83.6364% | 5,426 |
| Earnings coverage of net charge-offs (x) | 9.5638% | 2,655 |
| Efficiency ratio | 84.8633% | 1,298 |
| Assets per employee ($millions) | 4.5295% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 3,540 |
| Loan loss allowance to noncurrent loans | 58.5926% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.4657% | 1,082 |
| Noncurrent loans to loans | 2.2560% | 1,337 |
| Net loans and leases to total assets | 56.0942% | 4,320 |
| Net loans and leases to deposits | 62.1833% | 4,721 |
| Net loans and leases to core deposits | 64.8114% | 4,813 |
| Total domestic deposits to total assets | 90.2077% | 646 |
| Equity capital to assets | 5.8846% | 6,487 |
| Core capital (leverage) ratio | 6.1338% | 6,472 |
| Tier 1 risk-based capital ratio | 11.7645% | 5,630 |
| Total risk-based capital ratio | 13.0174% | 5,554 |
| Memoranda: | ||
| Average total assets | $258,665,250 | 2,462 |
| Average earning assets | $241,916,500 | 2,424 |
| Average equity | $14,456,250 | 3,965 |
| Average total loans | $148,921,000 | 2,595 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1223% | 6,036 |
| Cost of funding earning assets | 0.2242% | 5,708 |
| Net interest margin | 2.8981% | 5,740 |
| Noninterest income to average assets | 0.9729% | 1,277 |
| Noninterest expense to average assets | 3.0576% | 2,636 |
| Loan and lease loss provision to assets | -0.0286% | 6,260 |
| Net operating income to assets | 0.6506% | 4,093 |
| Return on assets (ROA) | 0.6506% | 4,195 |
| Pretax return on assets | 0.6506% | 4,783 |
| Return on Equity (ROE) | 11.8503% | 1,468 |
| Retained earnings to average equity (ytd only) | 11.8503% | 441 |
| Net charge-offs to loans | -0.0254% | 5,621 |
| Credit loss provision to net charge-offs | 194.7368% | 1,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0953% | 1,618 |
| Assets per employee ($millions) | 4.2427% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 3,259 |
| Loan loss allowance to noncurrent loans | 53.5013% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 2.9398% | 876 |
| Noncurrent loans to loans | 2.6495% | 1,145 |
| Net loans and leases to total assets | 60.0283% | 3,707 |
| Net loans and leases to deposits | 66.7945% | 4,191 |
| Net loans and leases to core deposits | 69.2105% | 4,344 |
| Total domestic deposits to total assets | 89.8701% | 869 |
| Equity capital to assets | 6.1583% | 6,522 |
| Core capital (leverage) ratio | 5.9594% | 6,539 |
| Tier 1 risk-based capital ratio | 11.6397% | 5,721 |
| Total risk-based capital ratio | 12.8940% | 5,669 |
| Memoranda: | ||
| Average total assets | $258,826,330 | 2,467 |
| Average earning assets | $241,741,670 | 2,425 |
| Average equity | $14,210,670 | 4,008 |
| Average total loans | $149,639,670 | 2,582 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0493% | 6,185 |
| Cost of funding earning assets | 0.2296% | 5,757 |
| Net interest margin | 2.8197% | 5,897 |
| Noninterest income to average assets | 1.0528% | 1,010 |
| Noninterest expense to average assets | 2.9683% | 2,988 |
| Loan and lease loss provision to assets | -0.0558% | 6,457 |
| Net operating income to assets | 0.7707% | 3,305 |
| Return on assets (ROA) | 0.7707% | 3,387 |
| Pretax return on assets | 0.7707% | 4,223 |
| Return on Equity (ROE) | 14.8774% | 797 |
| Retained earnings to average equity (ytd only) | 14.8774% | 330 |
| Net charge-offs to loans | -0.0214% | 5,388 |
| Credit loss provision to net charge-offs | 462.5000% | 578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5897% | 2,118 |
| Assets per employee ($millions) | 4.8624% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 3,529 |
| Loan loss allowance to noncurrent loans | 67.8331% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 2.4806% | 1,295 |
| Noncurrent loans to loans | 2.0842% | 1,774 |
| Net loans and leases to total assets | 55.0966% | 4,271 |
| Net loans and leases to deposits | 64.7588% | 4,235 |
| Net loans and leases to core deposits | 66.9826% | 4,400 |
| Total domestic deposits to total assets | 85.0797% | 3,832 |
| Equity capital to assets | 5.3580% | 6,611 |
| Core capital (leverage) ratio | 5.6768% | 6,617 |
| Tier 1 risk-based capital ratio | 11.3946% | 5,968 |
| Total risk-based capital ratio | 12.6490% | 5,921 |
| Memoranda: | ||
| Average total assets | $265,202,500 | 2,415 |
| Average earning assets | $247,403,500 | 2,376 |
| Average equity | $13,739,000 | 4,092 |
| Average total loans | $149,540,500 | 2,591 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4441% | 5,747 |
| Cost of funding earning assets | 0.3294% | 5,331 |
| Net interest margin | 3.1147% | 5,271 |
| Noninterest income to average assets | 0.7002% | 2,539 |
| Noninterest expense to average assets | 3.1761% | 2,491 |
| Loan and lease loss provision to assets | -0.0781% | 6,447 |
| Net operating income to assets | 0.4800% | 4,816 |
| Return on assets (ROA) | 0.4800% | 4,962 |
| Pretax return on assets | 0.4800% | 5,259 |
| Return on Equity (ROE) | 8.9177% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.9177% | 790 |
| Net charge-offs to loans | -0.0950% | 6,467 |
| Credit loss provision to net charge-offs | 133.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7677% | 1,133 |
| Assets per employee ($millions) | 4.8698% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 3,504 |
| Loan loss allowance to noncurrent loans | 98.0769% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.7345% | 1,217 |
| Noncurrent loans to loans | 1.4597% | 2,706 |
| Net loans and leases to total assets | 56.0818% | 4,308 |
| Net loans and leases to deposits | 64.9358% | 4,419 |
| Net loans and leases to core deposits | 67.0658% | 4,610 |
| Total domestic deposits to total assets | 86.3650% | 3,066 |
| Equity capital to assets | 5.0002% | 6,690 |
| Core capital (leverage) ratio | 5.4304% | 6,693 |
| Tier 1 risk-based capital ratio | 10.8916% | 6,226 |
| Total risk-based capital ratio | 12.1460% | 6,171 |
| Memoranda: | ||
| Average total assets | $251,059,600 | 2,522 |
| Average earning assets | $231,961,600 | 2,498 |
| Average equity | $13,512,400 | 4,166 |
| Average total loans | $154,656,400 | 2,494 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 5,604 |
| Cost of funding earning assets | 0.3408% | 5,375 |
| Net interest margin | 3.1967% | 5,009 |
| Noninterest income to average assets | 0.8035% | 2,128 |
| Noninterest expense to average assets | 3.1693% | 2,451 |
| Loan and lease loss provision to assets | -0.0521% | 6,554 |
| Net operating income to assets | 0.6358% | 4,194 |
| Return on assets (ROA) | 0.6358% | 4,308 |
| Pretax return on assets | 0.6358% | 4,897 |
| Return on Equity (ROE) | 11.5949% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.5949% | 487 |
| Net charge-offs to loans | -0.0590% | 6,363 |
| Credit loss provision to net charge-offs | 140.5797% | 1,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4479% | 1,540 |
| Assets per employee ($millions) | 4.6858% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 3,816 |
| Loan loss allowance to noncurrent loans | 80.0815% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 3.2122% | 1,112 |
| Noncurrent loans to loans | 1.7719% | 2,539 |
| Net loans and leases to total assets | 57.2660% | 4,126 |
| Net loans and leases to deposits | 67.3814% | 4,133 |
| Net loans and leases to core deposits | 69.5237% | 4,369 |
| Total domestic deposits to total assets | 84.9878% | 3,757 |
| Equity capital to assets | 5.1668% | 6,762 |
| Core capital (leverage) ratio | 5.8120% | 6,736 |
| Tier 1 risk-based capital ratio | 10.8192% | 6,357 |
| Total risk-based capital ratio | 12.0740% | 6,320 |
| Memoranda: | ||
| Average total assets | $248,081,750 | 2,564 |
| Average earning assets | $228,897,750 | 2,540 |
| Average equity | $13,603,250 | 4,195 |
| Average total loans | $155,915,250 | 2,487 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 5,177 |
| Cost of funding earning assets | 0.3539% | 5,365 |
| Net interest margin | 3.3343% | 4,435 |
| Noninterest income to average assets | 0.8606% | 1,963 |
| Noninterest expense to average assets | 3.2124% | 2,320 |
| Loan and lease loss provision to assets | 0.0411% | 4,132 |
| Net operating income to assets | 0.6740% | 3,935 |
| Return on assets (ROA) | 0.6740% | 4,097 |
| Pretax return on assets | 0.6740% | 4,765 |
| Return on Equity (ROE) | 12.0426% | 1,480 |
| Retained earnings to average equity (ytd only) | 12.0426% | 486 |
| Net charge-offs to loans | -0.0306% | 6,107 |
| Credit loss provision to net charge-offs | -208.3333% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7915% | 1,912 |
| Assets per employee ($millions) | 4.3521% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 3,926 |
| Loan loss allowance to noncurrent loans | 79.3067% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 3.6827% | 1,007 |
| Noncurrent loans to loans | 1.7966% | 2,645 |
| Net loans and leases to total assets | 65.4679% | 2,683 |
| Net loans and leases to deposits | 74.0174% | 3,150 |
| Net loans and leases to core deposits | 76.3782% | 3,498 |
| Total domestic deposits to total assets | 88.4493% | 1,950 |
| Equity capital to assets | 5.4779% | 6,794 |
| Core capital (leverage) ratio | 5.6856% | 6,781 |
| Tier 1 risk-based capital ratio | 10.4318% | 6,530 |
| Total risk-based capital ratio | 11.6871% | 6,497 |
| Memoranda: | ||
| Average total assets | $243,306,670 | 2,623 |
| Average earning assets | $223,792,000 | 2,603 |
| Average equity | $13,618,330 | 4,221 |
| Average total loans | $157,076,000 | 2,475 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 4,849 |
| Cost of funding earning assets | 0.3674% | 5,395 |
| Net interest margin | 3.4237% | 4,034 |
| Noninterest income to average assets | 0.9263% | 1,671 |
| Noninterest expense to average assets | 3.2486% | 2,206 |
| Loan and lease loss provision to assets | 0.0815% | 3,288 |
| Net operating income to assets | 0.7420% | 3,463 |
| Return on assets (ROA) | 0.7420% | 3,601 |
| Pretax return on assets | 0.7420% | 4,404 |
| Return on Equity (ROE) | 13.1204% | 1,140 |
| Retained earnings to average equity (ytd only) | 13.1204% | 542 |
| Net charge-offs to loans | -0.0487% | 6,123 |
| Credit loss provision to net charge-offs | -263.1579% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7757% | 2,367 |
| Assets per employee ($millions) | 4.4708% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 4,031 |
| Loan loss allowance to noncurrent loans | 69.0498% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 3.9394% | 1,023 |
| Noncurrent loans to loans | 2.0936% | 2,513 |
| Net loans and leases to total assets | 61.5407% | 3,161 |
| Net loans and leases to deposits | 69.5391% | 3,569 |
| Net loans and leases to core deposits | 71.8217% | 3,842 |
| Total domestic deposits to total assets | 88.4980% | 2,009 |
| Equity capital to assets | 5.6158% | 6,852 |
| Core capital (leverage) ratio | 5.5680% | 6,837 |
| Tier 1 risk-based capital ratio | 10.2307% | 6,653 |
| Total risk-based capital ratio | 11.4865% | 6,641 |
| Memoranda: | ||
| Average total assets | $245,278,500 | 2,631 |
| Average earning assets | $225,373,500 | 2,610 |
| Average equity | $13,871,500 | 4,223 |
| Average total loans | $156,128,500 | 2,511 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 6,126 |
| Cost of funding earning assets | 0.4638% | 5,464 |
| Net interest margin | 3.1915% | 5,590 |
| Noninterest income to average assets | 0.5945% | 3,312 |
| Noninterest expense to average assets | 3.3373% | 2,231 |
| Loan and lease loss provision to assets | 0.0530% | 5,142 |
| Net operating income to assets | 0.0918% | 6,024 |
| Return on assets (ROA) | 0.1614% | 6,029 |
| Pretax return on assets | 0.1614% | 6,048 |
| Return on Equity (ROE) | 2.9060% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.9060% | 4,185 |
| Net charge-offs to loans | 0.3246% | 3,025 |
| Credit loss provision to net charge-offs | 26.2397% | 5,182 |
| Earnings coverage of net charge-offs (x) | 0.7169% | 5,125 |
| Efficiency ratio | 95.8428% | 717 |
| Assets per employee ($millions) | 4.2139% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,150 |
| Loan loss allowance to noncurrent loans | 57.2810% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 4.5272% | 910 |
| Noncurrent loans to loans | 2.4532% | 2,164 |
| Net loans and leases to total assets | 64.0028% | 2,896 |
| Net loans and leases to deposits | 71.5891% | 3,482 |
| Net loans and leases to core deposits | 73.9153% | 3,791 |
| Total domestic deposits to total assets | 89.4030% | 1,306 |
| Equity capital to assets | 5.6967% | 6,910 |
| Core capital (leverage) ratio | 5.6190% | 6,889 |
| Tier 1 risk-based capital ratio | 9.8420% | 6,737 |
| Total risk-based capital ratio | 11.0970% | 6,705 |
| Memoranda: | ||
| Average total assets | $239,714,000 | 2,638 |
| Average earning assets | $216,891,600 | 2,645 |
| Average equity | $13,317,200 | 4,292 |
| Average total loans | $149,112,400 | 2,585 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 6,328 |
| Cost of funding earning assets | 0.4872% | 5,523 |
| Net interest margin | 3.1565% | 5,806 |
| Noninterest income to average assets | 0.5965% | 3,298 |
| Noninterest expense to average assets | 3.3851% | 2,040 |
| Loan and lease loss provision to assets | 0.1809% | 3,328 |
| Net operating income to assets | -0.1213% | 6,422 |
| Return on assets (ROA) | -0.0284% | 6,439 |
| Pretax return on assets | -0.0284% | 6,422 |
| Return on Equity (ROE) | -0.5141% | 6,461 |
| Retained earnings to average equity (ytd only) | -0.5141% | 6,180 |
| Net charge-offs to loans | 0.3247% | 2,830 |
| Credit loss provision to net charge-offs | 90.5292% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.2980% | 5,176 |
| Efficiency ratio | 98.2714% | 595 |
| Assets per employee ($millions) | 4.1049% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 3,242 |
| Loan loss allowance to noncurrent loans | 60.6514% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 5.1410% | 857 |
| Noncurrent loans to loans | 2.7589% | 2,052 |
| Net loans and leases to total assets | 63.1372% | 3,184 |
| Net loans and leases to deposits | 69.9756% | 3,900 |
| Net loans and leases to core deposits | 72.2663% | 4,217 |
| Total domestic deposits to total assets | 90.2274% | 710 |
| Equity capital to assets | 5.6594% | 7,008 |
| Core capital (leverage) ratio | 5.3593% | 6,989 |
| Tier 1 risk-based capital ratio | 9.7826% | 6,849 |
| Total risk-based capital ratio | 11.0406% | 6,831 |
| Memoranda: | ||
| Average total assets | $239,594,750 | 2,657 |
| Average earning assets | $216,181,500 | 2,684 |
| Average equity | $13,225,750 | 4,353 |
| Average total loans | $147,410,500 | 2,644 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 6,332 |
| Cost of funding earning assets | 0.5049% | 5,585 |
| Net interest margin | 3.1962% | 5,755 |
| Noninterest income to average assets | 0.7396% | 2,471 |
| Noninterest expense to average assets | 3.4978% | 1,792 |
| Loan and lease loss provision to assets | 0.4539% | 1,407 |
| Net operating income to assets | -0.3181% | 6,630 |
| Return on assets (ROA) | -0.3181% | 6,687 |
| Pretax return on assets | -0.3181% | 6,653 |
| Return on Equity (ROE) | -5.8092% | 6,794 |
| Retained earnings to average equity (ytd only) | -5.8092% | 6,662 |
| Net charge-offs to loans | 0.7456% | 1,480 |
| Credit loss provision to net charge-offs | 100.3663% | 2,707 |
| Earnings coverage of net charge-offs (x) | 0.3004% | 4,928 |
| Efficiency ratio | 96.2617% | 691 |
| Assets per employee ($millions) | 4.3053% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 3,270 |
| Loan loss allowance to noncurrent loans | 60.4122% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 5.2783% | 873 |
| Noncurrent loans to loans | 2.7972% | 2,136 |
| Net loans and leases to total assets | 61.5316% | 3,529 |
| Net loans and leases to deposits | 68.9563% | 4,044 |
| Net loans and leases to core deposits | 71.0505% | 4,406 |
| Total domestic deposits to total assets | 89.2326% | 1,368 |
| Equity capital to assets | 5.4206% | 7,072 |
| Core capital (leverage) ratio | 5.1243% | 7,060 |
| Tier 1 risk-based capital ratio | 9.4134% | 6,938 |
| Total risk-based capital ratio | 10.6716% | 6,933 |
| Memoranda: | ||
| Average total assets | $241,466,000 | 2,645 |
| Average earning assets | $218,638,000 | 2,661 |
| Average equity | $13,220,330 | 4,355 |
| Average total loans | $146,466,330 | 2,663 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 6,362 |
| Cost of funding earning assets | 0.5340% | 5,590 |
| Net interest margin | 3.2094% | 5,760 |
| Noninterest income to average assets | 0.7532% | 2,378 |
| Noninterest expense to average assets | 3.5489% | 1,664 |
| Loan and lease loss provision to assets | 0.4850% | 1,254 |
| Net operating income to assets | -0.3857% | 6,763 |
| Return on assets (ROA) | -0.3857% | 6,801 |
| Pretax return on assets | -0.3857% | 6,776 |
| Return on Equity (ROE) | -7.0096% | 6,921 |
| Retained earnings to average equity (ytd only) | -7.0096% | 6,718 |
| Net charge-offs to loans | 0.9373% | 1,102 |
| Credit loss provision to net charge-offs | 86.6864% | 2,610 |
| Earnings coverage of net charge-offs (x) | 0.1775% | 4,284 |
| Efficiency ratio | 97.2777% | 668 |
| Assets per employee ($millions) | 4.2484% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 3,471 |
| Loan loss allowance to noncurrent loans | 56.3612% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 5.5877% | 870 |
| Noncurrent loans to loans | 2.9608% | 2,182 |
| Net loans and leases to total assets | 60.9065% | 3,468 |
| Net loans and leases to deposits | 68.7109% | 3,925 |
| Net loans and leases to core deposits | 70.9158% | 4,304 |
| Total domestic deposits to total assets | 88.6417% | 1,929 |
| Equity capital to assets | 5.4390% | 7,113 |
| Core capital (leverage) ratio | 5.3115% | 7,091 |
| Tier 1 risk-based capital ratio | 9.3949% | 6,978 |
| Total risk-based capital ratio | 10.6527% | 6,977 |
| Memoranda: | ||
| Average total assets | $241,649,500 | 2,650 |
| Average earning assets | $217,986,500 | 2,674 |
| Average equity | $13,296,000 | 4,351 |
| Average total loans | $144,248,500 | 2,717 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 6,718 |
| Cost of funding earning assets | 0.7112% | 5,468 |
| Net interest margin | 3.0973% | 6,353 |
| Noninterest income to average assets | -0.0996% | 7,098 |
| Noninterest expense to average assets | 3.6030% | 1,735 |
| Loan and lease loss provision to assets | 0.4987% | 2,113 |
| Net operating income to assets | -1.4121% | 6,886 |
| Return on assets (ROA) | -1.3146% | 6,882 |
| Pretax return on assets | -1.3146% | 6,847 |
| Return on Equity (ROE) | -21.4179% | 7,003 |
| Retained earnings to average equity (ytd only) | -21.4179% | 6,989 |
| Net charge-offs to loans | 1.2578% | 1,325 |
| Credit loss provision to net charge-offs | 71.2048% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.3042% | 6,232 |
| Efficiency ratio | 130.3686% | 230 |
| Assets per employee ($millions) | 4.0871% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 2,744 |
| Loan loss allowance to noncurrent loans | 49.9216% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 5.9418% | 828 |
| Noncurrent loans to loans | 3.6851% | 1,714 |
| Net loans and leases to total assets | 56.3803% | 4,638 |
| Net loans and leases to deposits | 64.3557% | 4,957 |
| Net loans and leases to core deposits | 66.7839% | 5,178 |
| Total domestic deposits to total assets | 87.6073% | 2,400 |
| Equity capital to assets | 5.5656% | 7,120 |
| Core capital (leverage) ratio | 5.3652% | 7,109 |
| Tier 1 risk-based capital ratio | 9.4480% | 6,971 |
| Total risk-based capital ratio | 10.7061% | 6,963 |
| Memoranda: | ||
| Average total assets | $237,022,200 | 2,663 |
| Average earning assets | $213,444,600 | 2,693 |
| Average equity | $14,548,600 | 3,999 |
| Average total loans | $131,977,800 | 2,954 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 6,820 |
| Cost of funding earning assets | 0.7337% | 5,570 |
| Net interest margin | 3.0877% | 6,411 |
| Noninterest income to average assets | 0.0045% | 7,091 |
| Noninterest expense to average assets | 3.7221% | 1,449 |
| Loan and lease loss provision to assets | 0.6678% | 1,447 |
| Net operating income to assets | -1.6034% | 7,064 |
| Return on assets (ROA) | -1.4729% | 7,047 |
| Pretax return on assets | -1.4729% | 7,012 |
| Return on Equity (ROE) | -23.4376% | 7,148 |
| Retained earnings to average equity (ytd only) | -23.4376% | 7,137 |
| Net charge-offs to loans | 1.7962% | 745 |
| Credit loss provision to net charge-offs | 67.3121% | 4,566 |
| Earnings coverage of net charge-offs (x) | -0.9431% | 5,924 |
| Efficiency ratio | 128.9335% | 231 |
| Assets per employee ($millions) | 3.9470% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 2,672 |
| Loan loss allowance to noncurrent loans | 49.1284% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 6.3173% | 826 |
| Noncurrent loans to loans | 3.8262% | 1,757 |
| Net loans and leases to total assets | 53.1597% | 5,293 |
| Net loans and leases to deposits | 61.0262% | 5,514 |
| Net loans and leases to core deposits | 63.4755% | 5,676 |
| Total domestic deposits to total assets | 87.1096% | 2,585 |
| Equity capital to assets | 5.7553% | 7,208 |
| Core capital (leverage) ratio | 5.5451% | 7,180 |
| Tier 1 risk-based capital ratio | 9.9883% | 6,959 |
| Total risk-based capital ratio | 11.2450% | 6,942 |
| Memoranda: | ||
| Average total assets | $235,992,500 | 2,681 |
| Average earning assets | $212,625,750 | 2,708 |
| Average equity | $14,830,500 | 3,952 |
| Average total loans | $130,346,250 | 3,000 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8856% | 6,823 |
| Cost of funding earning assets | 0.7528% | 5,652 |
| Net interest margin | 3.1328% | 6,329 |
| Noninterest income to average assets | 0.0597% | 7,007 |
| Noninterest expense to average assets | 3.6664% | 1,591 |
| Loan and lease loss provision to assets | 0.6655% | 1,448 |
| Net operating income to assets | -1.4565% | 7,084 |
| Return on assets (ROA) | -1.3677% | 7,065 |
| Pretax return on assets | -1.3677% | 7,019 |
| Return on Equity (ROE) | -21.1547% | 7,161 |
| Retained earnings to average equity (ytd only) | -21.1547% | 7,147 |
| Net charge-offs to loans | 0.3315% | 3,234 |
| Credit loss provision to net charge-offs | 361.1111% | 846 |
| Earnings coverage of net charge-offs (x) | -4.2917% | 5,786 |
| Efficiency ratio | 127.5074% | 277 |
| Assets per employee ($millions) | 3.7606% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6706% | 1,207 |
| Loan loss allowance to noncurrent loans | 48.5792% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 7.5910% | 631 |
| Noncurrent loans to loans | 5.4974% | 1,150 |
| Net loans and leases to total assets | 56.1152% | 4,975 |
| Net loans and leases to deposits | 63.5461% | 5,334 |
| Net loans and leases to core deposits | 65.9970% | 5,516 |
| Total domestic deposits to total assets | 88.3062% | 1,958 |
| Equity capital to assets | 6.4467% | 7,194 |
| Core capital (leverage) ratio | 6.0138% | 7,188 |
| Tier 1 risk-based capital ratio | 9.4355% | 7,115 |
| Total risk-based capital ratio | 10.7034% | 7,116 |
| Memoranda: | ||
| Average total assets | $234,400,330 | 2,710 |
| Average earning assets | $210,674,670 | 2,753 |
| Average equity | $15,155,000 | 3,883 |
| Average total loans | $130,313,670 | 3,032 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 7,056 |
| Cost of funding earning assets | 0.7873% | 5,625 |
| Net interest margin | 2.9273% | 6,711 |
| Noninterest income to average assets | 0.4766% | 4,076 |
| Noninterest expense to average assets | 3.6916% | 1,552 |
| Loan and lease loss provision to assets | 0.6229% | 1,386 |
| Net operating income to assets | -1.2118% | 7,105 |
| Return on assets (ROA) | -1.2118% | 7,107 |
| Pretax return on assets | -1.2118% | 7,067 |
| Return on Equity (ROE) | -18.7159% | 7,204 |
| Retained earnings to average equity (ytd only) | -18.7159% | 7,134 |
| Net charge-offs to loans | 0.2557% | 3,051 |
| Credit loss provision to net charge-offs | 446.3415% | 787 |
| Earnings coverage of net charge-offs (x) | -4.2195% | 5,018 |
| Efficiency ratio | 118.9797% | 356 |
| Assets per employee ($millions) | 3.9176% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5713% | 1,353 |
| Loan loss allowance to noncurrent loans | 39.3860% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 8.2607% | 560 |
| Noncurrent loans to loans | 6.5285% | 904 |
| Net loans and leases to total assets | 53.3573% | 5,398 |
| Net loans and leases to deposits | 60.5741% | 5,665 |
| Net loans and leases to core deposits | 63.0415% | 5,822 |
| Total domestic deposits to total assets | 88.0861% | 2,326 |
| Equity capital to assets | 6.2952% | 7,250 |
| Core capital (leverage) ratio | 6.0556% | 7,238 |
| Tier 1 risk-based capital ratio | 9.8489% | 7,053 |
| Total risk-based capital ratio | 11.1117% | 7,054 |
| Memoranda: | ||
| Average total assets | $235,021,500 | 2,724 |
| Average earning assets | $210,842,000 | 2,771 |
| Average equity | $15,217,000 | 3,860 |
| Average total loans | $128,257,000 | 3,099 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 6,892 |
| Cost of funding earning assets | 0.9649% | 5,867 |
| Net interest margin | 3.2578% | 6,107 |
| Noninterest income to average assets | 0.4347% | 4,640 |
| Noninterest expense to average assets | 3.7668% | 1,548 |
| Loan and lease loss provision to assets | 0.6491% | 2,545 |
| Net operating income to assets | -1.1022% | 6,741 |
| Return on assets (ROA) | -0.9259% | 6,672 |
| Pretax return on assets | -0.9259% | 6,587 |
| Return on Equity (ROE) | -13.2966% | 6,856 |
| Retained earnings to average equity (ytd only) | -13.2966% | 6,808 |
| Net charge-offs to loans | 1.6279% | 1,329 |
| Credit loss provision to net charge-offs | 75.8121% | 5,702 |
| Earnings coverage of net charge-offs (x) | -0.5292% | 6,469 |
| Efficiency ratio | 113.6733% | 478 |
| Assets per employee ($millions) | 3.9165% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3680% | 1,596 |
| Loan loss allowance to noncurrent loans | 31.1927% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 9.1983% | 482 |
| Noncurrent loans to loans | 7.5916% | 709 |
| Net loans and leases to total assets | 53.0916% | 5,768 |
| Net loans and leases to deposits | 60.4753% | 6,004 |
| Net loans and leases to core deposits | 62.7512% | 6,174 |
| Total domestic deposits to total assets | 87.7905% | 2,372 |
| Equity capital to assets | 6.6543% | 7,221 |
| Core capital (leverage) ratio | 6.3265% | 7,235 |
| Tier 1 risk-based capital ratio | 9.8857% | 7,023 |
| Total risk-based capital ratio | 11.1450% | 7,014 |
| Memoranda: | ||
| Average total assets | $233,724,600 | 2,702 |
| Average earning assets | $206,549,000 | 2,789 |
| Average equity | $16,274,800 | 3,709 |
| Average total loans | $122,917,200 | 3,259 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 6,905 |
| Cost of funding earning assets | 0.9971% | 5,947 |
| Net interest margin | 3.3458% | 5,860 |
| Noninterest income to average assets | 0.3102% | 5,674 |
| Noninterest expense to average assets | 3.8518% | 1,278 |
| Loan and lease loss provision to assets | 0.5661% | 2,675 |
| Net operating income to assets | -1.1596% | 6,968 |
| Return on assets (ROA) | -0.9243% | 6,899 |
| Pretax return on assets | -0.9243% | 6,814 |
| Return on Equity (ROE) | -13.1267% | 7,048 |
| Retained earnings to average equity (ytd only) | -13.1267% | 7,012 |
| Net charge-offs to loans | 1.7036% | 1,147 |
| Credit loss provision to net charge-offs | 63.7299% | 5,598 |
| Earnings coverage of net charge-offs (x) | -0.6682% | 6,382 |
| Efficiency ratio | 118.2153% | 414 |
| Assets per employee ($millions) | 3.8000% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4353% | 1,425 |
| Loan loss allowance to noncurrent loans | 34.1724% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 8.4109% | 577 |
| Noncurrent loans to loans | 7.1264% | 775 |
| Net loans and leases to total assets | 50.0959% | 6,316 |
| Net loans and leases to deposits | 57.6659% | 6,488 |
| Net loans and leases to core deposits | 59.8406% | 6,623 |
| Total domestic deposits to total assets | 86.8727% | 2,598 |
| Equity capital to assets | 6.9851% | 7,348 |
| Core capital (leverage) ratio | 6.5008% | 7,336 |
| Tier 1 risk-based capital ratio | 10.0827% | 7,022 |
| Total risk-based capital ratio | 11.3415% | 6,999 |
| Memoranda: | ||
| Average total assets | $233,408,250 | 2,739 |
| Average earning assets | $205,666,000 | 2,840 |
| Average equity | $16,434,250 | 3,733 |
| Average total loans | $121,700,000 | 3,332 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 6,574 |
| Cost of funding earning assets | 1.0164% | 6,069 |
| Net interest margin | 3.5394% | 5,095 |
| Noninterest income to average assets | 0.2587% | 6,068 |
| Noninterest expense to average assets | 3.7313% | 1,494 |
| Loan and lease loss provision to assets | 0.8518% | 1,709 |
| Net operating income to assets | -1.2266% | 7,041 |
| Return on assets (ROA) | -0.8725% | 6,907 |
| Pretax return on assets | -0.8725% | 6,827 |
| Return on Equity (ROE) | -12.3580% | 7,050 |
| Retained earnings to average equity (ytd only) | -12.3580% | 7,007 |
| Net charge-offs to loans | 2.4864% | 693 |
| Credit loss provision to net charge-offs | 65.3694% | 5,090 |
| Earnings coverage of net charge-offs (x) | -0.2876% | 5,922 |
| Efficiency ratio | 111.1652% | 527 |
| Assets per employee ($millions) | 3.6354% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4638% | 1,348 |
| Loan loss allowance to noncurrent loans | 27.9573% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 10.1612% | 395 |
| Noncurrent loans to loans | 8.8126% | 547 |
| Net loans and leases to total assets | 51.5965% | 6,255 |
| Net loans and leases to deposits | 59.2404% | 6,480 |
| Net loans and leases to core deposits | 61.3725% | 6,606 |
| Total domestic deposits to total assets | 87.0968% | 2,483 |
| Equity capital to assets | 7.4270% | 7,161 |
| Core capital (leverage) ratio | 6.7607% | 7,301 |
| Tier 1 risk-based capital ratio | 10.2973% | 6,837 |
| Total risk-based capital ratio | 11.5618% | 6,810 |
| Memoranda: | ||
| Average total assets | $232,677,670 | 2,769 |
| Average earning assets | $203,651,670 | 2,892 |
| Average equity | $16,426,670 | 3,730 |
| Average total loans | $121,942,670 | 3,367 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 7,079 |
| Cost of funding earning assets | 1.0293% | 6,233 |
| Net interest margin | 3.3075% | 5,943 |
| Noninterest income to average assets | 0.5185% | 3,904 |
| Noninterest expense to average assets | 3.6332% | 1,659 |
| Loan and lease loss provision to assets | 0.5987% | 2,122 |
| Net operating income to assets | -0.8358% | 7,021 |
| Return on assets (ROA) | -0.8358% | 7,053 |
| Pretax return on assets | -0.8358% | 6,969 |
| Return on Equity (ROE) | -12.1475% | 7,220 |
| Retained earnings to average equity (ytd only) | -12.1475% | 7,074 |
| Net charge-offs to loans | 0.1668% | 3,927 |
| Credit loss provision to net charge-offs | 688.2353% | 644 |
| Earnings coverage of net charge-offs (x) | -2.7255% | 5,497 |
| Efficiency ratio | 106.9814% | 658 |
| Assets per employee ($millions) | 3.6001% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1753% | 709 |
| Loan loss allowance to noncurrent loans | 35.1898% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 11.8629% | 272 |
| Noncurrent loans to loans | 9.0233% | 535 |
| Net loans and leases to total assets | 49.6479% | 6,504 |
| Net loans and leases to deposits | 56.5375% | 6,729 |
| Net loans and leases to core deposits | 56.5375% | 6,962 |
| Total domestic deposits to total assets | 87.8140% | 2,168 |
| Equity capital to assets | 6.9015% | 7,409 |
| Core capital (leverage) ratio | 6.9258% | 7,295 |
| Tier 1 risk-based capital ratio | 10.0820% | 6,974 |
| Total risk-based capital ratio | 11.3521% | 6,955 |
| Memoranda: | ||
| Average total assets | $234,502,000 | 2,819 |
| Average earning assets | $204,021,000 | 2,939 |
| Average equity | $16,135,000 | 3,812 |
| Average total loans | $122,336,000 | 3,424 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 7,059 |
| Cost of funding earning assets | 1.3572% | 6,107 |
| Net interest margin | 3.3901% | 5,403 |
| Noninterest income to average assets | 0.6195% | 3,489 |
| Noninterest expense to average assets | 4.0377% | 1,314 |
| Loan and lease loss provision to assets | 1.8821% | 1,185 |
| Net operating income to assets | -2.3453% | 7,212 |
| Return on assets (ROA) | -2.1226% | 7,133 |
| Pretax return on assets | -2.1226% | 6,985 |
| Return on Equity (ROE) | -28.4042% | 7,374 |
| Retained earnings to average equity (ytd only) | -28.4042% | 7,355 |
| Net charge-offs to loans | 4.5338% | 323 |
| Credit loss provision to net charge-offs | 69.5618% | 6,496 |
| Earnings coverage of net charge-offs (x) | -0.1712% | 6,413 |
| Efficiency ratio | 112.9590% | 743 |
| Assets per employee ($millions) | 3.6718% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8151% | 918 |
| Loan loss allowance to noncurrent loans | 34.1772% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 11.7035% | 264 |
| Noncurrent loans to loans | 8.2369% | 593 |
| Net loans and leases to total assets | 51.5634% | 6,474 |
| Net loans and leases to deposits | 58.5847% | 6,739 |
| Net loans and leases to core deposits | 66.7546% | 6,943 |
| Total domestic deposits to total assets | 88.0152% | 1,971 |
| Equity capital to assets | 6.8596% | 7,438 |
| Core capital (leverage) ratio | 6.8842% | 7,323 |
| Tier 1 risk-based capital ratio | 10.0263% | 6,852 |
| Total risk-based capital ratio | 11.2936% | 6,803 |
| Memoranda: | ||
| Average total assets | $236,171,600 | 2,752 |
| Average earning assets | $205,865,200 | 2,890 |
| Average equity | $17,648,800 | 3,560 |
| Average total loans | $140,941,600 | 3,063 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 6,936 |
| Cost of funding earning assets | 1.4225% | 6,143 |
| Net interest margin | 3.4557% | 5,047 |
| Noninterest income to average assets | 0.5627% | 3,987 |
| Noninterest expense to average assets | 3.9041% | 1,421 |
| Loan and lease loss provision to assets | 2.2661% | 754 |
| Net operating income to assets | -2.5926% | 7,481 |
| Return on assets (ROA) | -2.2960% | 7,401 |
| Pretax return on assets | -2.2960% | 7,283 |
| Return on Equity (ROE) | -30.1104% | 7,612 |
| Retained earnings to average equity (ytd only) | -30.1104% | 7,598 |
| Net charge-offs to loans | 4.7942% | 250 |
| Credit loss provision to net charge-offs | 77.0809% | 5,832 |
| Earnings coverage of net charge-offs (x) | -0.1110% | 6,200 |
| Efficiency ratio | 109.1253% | 783 |
| Assets per employee ($millions) | 3.6467% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2545% | 528 |
| Loan loss allowance to noncurrent loans | 41.6911% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 11.9590% | 228 |
| Noncurrent loans to loans | 7.8063% | 639 |
| Net loans and leases to total assets | 53.4248% | 6,449 |
| Net loans and leases to deposits | 60.5561% | 6,784 |
| Net loans and leases to core deposits | 68.9046% | 7,023 |
| Total domestic deposits to total assets | 88.2236% | 1,548 |
| Equity capital to assets | 6.9129% | 7,634 |
| Core capital (leverage) ratio | 6.6644% | 7,604 |
| Tier 1 risk-based capital ratio | 9.4496% | 7,407 |
| Total risk-based capital ratio | 10.7214% | 7,356 |
| Memoranda: | ||
| Average total assets | $236,465,000 | 2,763 |
| Average earning assets | $206,303,500 | 2,905 |
| Average equity | $18,031,000 | 3,535 |
| Average total loans | $145,006,250 | 3,035 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 6,938 |
| Cost of funding earning assets | 1.4600% | 6,293 |
| Net interest margin | 3.4835% | 4,875 |
| Noninterest income to average assets | 0.7965% | 2,429 |
| Noninterest expense to average assets | 4.3458% | 902 |
| Loan and lease loss provision to assets | 2.9279% | 520 |
| Net operating income to assets | -3.4316% | 7,754 |
| Return on assets (ROA) | -3.1201% | 7,697 |
| Pretax return on assets | -3.1201% | 7,600 |
| Return on Equity (ROE) | -39.6785% | 7,845 |
| Retained earnings to average equity (ytd only) | -39.6785% | 7,830 |
| Net charge-offs to loans | 5.9395% | 187 |
| Credit loss provision to net charge-offs | 77.8003% | 5,256 |
| Earnings coverage of net charge-offs (x) | -0.1338% | 5,825 |
| Efficiency ratio | 113.1086% | 773 |
| Assets per employee ($millions) | 3.5608% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2281% | 475 |
| Loan loss allowance to noncurrent loans | 39.5608% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 12.1190% | 175 |
| Noncurrent loans to loans | 8.1598% | 535 |
| Net loans and leases to total assets | 57.8698% | 5,978 |
| Net loans and leases to deposits | 65.2510% | 6,458 |
| Net loans and leases to core deposits | 74.0653% | 6,788 |
| Total domestic deposits to total assets | 88.6880% | 1,442 |
| Equity capital to assets | 7.1353% | 7,529 |
| Core capital (leverage) ratio | 6.9206% | 7,589 |
| Tier 1 risk-based capital ratio | 9.3502% | 7,507 |
| Total risk-based capital ratio | 10.6220% | 7,470 |
| Memoranda: | ||
| Average total assets | $236,275,330 | 2,787 |
| Average earning assets | $206,576,330 | 2,915 |
| Average equity | $18,579,330 | 3,454 |
| Average total loans | $149,710,000 | 2,990 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 7,098 |
| Cost of funding earning assets | 1.4757% | 6,483 |
| Net interest margin | 3.4560% | 4,910 |
| Noninterest income to average assets | 0.7843% | 2,403 |
| Noninterest expense to average assets | 4.0237% | 1,158 |
| Loan and lease loss provision to assets | 3.2327% | 334 |
| Net operating income to assets | -3.4422% | 7,911 |
| Return on assets (ROA) | -3.4422% | 7,908 |
| Pretax return on assets | -3.4422% | 7,827 |
| Return on Equity (ROE) | -41.8938% | 8,006 |
| Retained earnings to average equity (ytd only) | -41.8938% | 7,986 |
| Net charge-offs to loans | 4.4258% | 256 |
| Credit loss provision to net charge-offs | 112.2164% | 3,452 |
| Earnings coverage of net charge-offs (x) | -0.0727% | 5,045 |
| Efficiency ratio | 105.4921% | 937 |
| Assets per employee ($millions) | 3.4496% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7431% | 268 |
| Loan loss allowance to noncurrent loans | 32.6645% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 13.5688% | 107 |
| Noncurrent loans to loans | 11.4593% | 195 |
| Net loans and leases to total assets | 61.2035% | 5,464 |
| Net loans and leases to deposits | 69.8751% | 5,992 |
| Net loans and leases to core deposits | 78.4845% | 6,501 |
| Total domestic deposits to total assets | 87.5899% | 1,926 |
| Equity capital to assets | 7.9311% | 6,917 |
| Core capital (leverage) ratio | 7.5334% | 7,117 |
| Tier 1 risk-based capital ratio | 9.6205% | 7,318 |
| Total risk-based capital ratio | 10.8977% | 7,223 |
| Memoranda: | ||
| Average total assets | $238,686,000 | 2,781 |
| Average earning assets | $209,259,000 | 2,889 |
| Average equity | $19,611,500 | 3,319 |
| Average total loans | $155,360,000 | 2,924 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6708% | 6,862 |
| Cost of funding earning assets | 1.9842% | 6,460 |
| Net interest margin | 3.6865% | 4,524 |
| Noninterest income to average assets | 0.7812% | 2,616 |
| Noninterest expense to average assets | 3.7158% | 1,921 |
| Loan and lease loss provision to assets | 1.7541% | 727 |
| Net operating income to assets | -1.3881% | 7,422 |
| Return on assets (ROA) | -1.2395% | 7,302 |
| Pretax return on assets | -1.2395% | 7,138 |
| Return on Equity (ROE) | -15.4434% | 7,604 |
| Retained earnings to average equity (ytd only) | -15.4434% | 7,486 |
| Net charge-offs to loans | 3.0073% | 296 |
| Credit loss provision to net charge-offs | 88.1569% | 5,718 |
| Earnings coverage of net charge-offs (x) | 0.1839% | 6,133 |
| Efficiency ratio | 91.0339% | 1,440 |
| Assets per employee ($millions) | 3.3711% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4227% | 299 |
| Loan loss allowance to noncurrent loans | 28.7665% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 12.8090% | 89 |
| Noncurrent loans to loans | 11.8983% | 134 |
| Net loans and leases to total assets | 64.3085% | 5,207 |
| Net loans and leases to deposits | 73.9955% | 5,847 |
| Net loans and leases to core deposits | 82.6169% | 6,404 |
| Total domestic deposits to total assets | 86.9086% | 1,980 |
| Equity capital to assets | 8.5002% | 6,081 |
| Core capital (leverage) ratio | 8.1783% | 6,208 |
| Tier 1 risk-based capital ratio | 10.3774% | 6,336 |
| Total risk-based capital ratio | 11.6518% | 6,188 |
| Memoranda: | ||
| Average total assets | $267,778,600 | 2,399 |
| Average earning assets | $239,738,600 | 2,457 |
| Average equity | $21,491,400 | 3,041 |
| Average total loans | $177,169,800 | 2,534 |