Home > Bankhometown > Performance and Condition Ratios
Bankhometown, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 2,659 |
| Cost of funding earning assets | 1.6638% | 2,815 |
| Net interest margin | 3.5657% | 2,145 |
| Noninterest income to average assets | 0.6300% | 1,240 |
| Noninterest expense to average assets | 2.3477% | 2,728 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.1771% | 1,788 |
| Return on assets (ROA) | 1.1771% | 1,789 |
| Pretax return on assets | 1.5992% | 1,308 |
| Return on Equity (ROE) | 10.4600% | 2,187 |
| Retained earnings to average equity (ytd only) | 8.1484% | 1,653 |
| Net charge-offs to loans | 0.0055% | 2,044 |
| Credit loss provision to net charge-offs | -1,294.1176% | 4,455 |
| Earnings coverage of net charge-offs (x) | 370.2353% | 252 |
| Efficiency ratio | 58.5691% | 3,126 |
| Assets per employee ($millions) | 10.5888% | 661 |
| Cash dividends to net income (ytd only)* | 22.1337% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,219 |
| Loan loss allowance to noncurrent loans | 315.6306% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 2,279 |
| Noncurrent loans to loans | 0.3173% | 2,361 |
| Net loans and leases to total assets | 78.4600% | 774 |
| Net loans and leases to deposits | 91.4228% | 973 |
| Net loans and leases to core deposits | 102.4409% | 1,225 |
| Total domestic deposits to total assets | 85.8300% | 2,361 |
| Equity capital to assets | 11.1633% | 1,582 |
| Core capital (leverage) ratio | 10.8717% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5352% | 1,681 |
| Memoranda: | ||
| Average total assets | $1,535,262,500 | 727 |
| Average earning assets | $1,446,572,000 | 703 |
| Average equity | $172,697,000 | 664 |
| Average total loans | $1,231,989,000 | 660 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2539% | 2,622 |
| Cost of funding earning assets | 1.6527% | 3,051 |
| Net interest margin | 3.6012% | 1,870 |
| Noninterest income to average assets | 0.6800% | 1,240 |
| Noninterest expense to average assets | 2.3928% | 2,597 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.1957% | 1,508 |
| Return on assets (ROA) | 1.1957% | 1,512 |
| Pretax return on assets | 1.6170% | 1,093 |
| Return on Equity (ROE) | 10.7400% | 1,971 |
| Retained earnings to average equity (ytd only) | 9.5068% | 684 |
| Net charge-offs to loans | 0.0041% | 2,810 |
| Credit loss provision to net charge-offs | 1,800.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 490.4800% | 264 |
| Efficiency ratio | 58.4414% | 3,318 |
| Assets per employee ($millions) | 10.0898% | 760 |
| Cash dividends to net income (ytd only)* | 11.4554% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,011 |
| Loan loss allowance to noncurrent loans | 340.1127% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 2,272 |
| Noncurrent loans to loans | 0.3050% | 2,356 |
| Net loans and leases to total assets | 80.4300% | 605 |
| Net loans and leases to deposits | 94.1179% | 850 |
| Net loans and leases to core deposits | 105.3239% | 1,162 |
| Total domestic deposits to total assets | 85.4600% | 2,383 |
| Equity capital to assets | 11.3378% | 1,446 |
| Core capital (leverage) ratio | 10.9408% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4439% | 1,695 |
| Memoranda: | ||
| Average total assets | $1,460,176,800 | 747 |
| Average earning assets | $1,374,018,800 | 729 |
| Average equity | $162,609,800 | 668 |
| Average total loans | $1,206,670,400 | 665 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 2,567 |
| Cost of funding earning assets | 1.6368% | 3,087 |
| Net interest margin | 3.6078% | 1,818 |
| Noninterest income to average assets | 0.6900% | 1,169 |
| Noninterest expense to average assets | 2.3852% | 2,566 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.1927% | 1,535 |
| Return on assets (ROA) | 1.1927% | 1,541 |
| Pretax return on assets | 1.6106% | 1,144 |
| Return on Equity (ROE) | 10.7600% | 1,975 |
| Retained earnings to average equity (ytd only) | 9.9303% | 874 |
| Net charge-offs to loans | 0.0052% | 2,493 |
| Credit loss provision to net charge-offs | 1,914.8936% | 246 |
| Earnings coverage of net charge-offs (x) | 391.8298% | 299 |
| Efficiency ratio | 58.1522% | 3,332 |
| Assets per employee ($millions) | 10.5029% | 662 |
| Cash dividends to net income (ytd only)* | 7.7131% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,002 |
| Loan loss allowance to noncurrent loans | 343.8839% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 2,260 |
| Noncurrent loans to loans | 0.3049% | 2,373 |
| Net loans and leases to total assets | 80.2200% | 600 |
| Net loans and leases to deposits | 93.8257% | 872 |
| Net loans and leases to core deposits | 104.7354% | 1,203 |
| Total domestic deposits to total assets | 85.5000% | 2,128 |
| Equity capital to assets | 11.2683% | 1,589 |
| Core capital (leverage) ratio | 10.7009% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3048% | 1,783 |
| Memoranda: | ||
| Average total assets | $1,449,375,000 | 745 |
| Average earning assets | $1,362,998,250 | 729 |
| Average equity | $160,649,750 | 665 |
| Average total loans | $1,202,862,750 | 661 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1901% | 2,573 |
| Cost of funding earning assets | 1.5915% | 3,098 |
| Net interest margin | 3.5986% | 1,791 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 2.4633% | 2,341 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 1.0978% | 1,729 |
| Return on assets (ROA) | 1.0978% | 1,729 |
| Pretax return on assets | 1.4763% | 1,328 |
| Return on Equity (ROE) | 9.9600% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.9620% | 892 |
| Net charge-offs to loans | 0.0070% | 2,161 |
| Credit loss provision to net charge-offs | 2,142.8571% | 221 |
| Earnings coverage of net charge-offs (x) | 273.6905% | 402 |
| Efficiency ratio | 60.2763% | 3,183 |
| Assets per employee ($millions) | 10.1376% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,145 |
| Loan loss allowance to noncurrent loans | 383.3182% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 2,281 |
| Noncurrent loans to loans | 0.2675% | 2,411 |
| Net loans and leases to total assets | 83.3000% | 350 |
| Net loans and leases to deposits | 97.4918% | 687 |
| Net loans and leases to core deposits | 108.5493% | 1,029 |
| Total domestic deposits to total assets | 85.4400% | 2,174 |
| Equity capital to assets | 11.0244% | 1,560 |
| Core capital (leverage) ratio | 10.6709% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6114% | 2,023 |
| Memoranda: | ||
| Average total assets | $1,435,363,000 | 754 |
| Average earning assets | $1,350,574,000 | 735 |
| Average equity | $158,181,000 | 675 |
| Average total loans | $1,200,787,333 | 664 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1077% | 2,578 |
| Cost of funding earning assets | 1.5035% | 3,185 |
| Net interest margin | 3.6042% | 1,725 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 2.5505% | 2,103 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.0959% | 1,673 |
| Return on assets (ROA) | 1.0959% | 1,684 |
| Pretax return on assets | 1.4671% | 1,312 |
| Return on Equity (ROE) | 9.9500% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.9459% | 1,124 |
| Net charge-offs to loans | 0.0135% | 1,609 |
| Credit loss provision to net charge-offs | 375.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 133.7750% | 566 |
| Efficiency ratio | 62.4957% | 2,982 |
| Assets per employee ($millions) | 9.9689% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 3,316 |
| Loan loss allowance to noncurrent loans | 319.9142% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 2,069 |
| Noncurrent loans to loans | 0.3118% | 2,202 |
| Net loans and leases to total assets | 82.5100% | 375 |
| Net loans and leases to deposits | 95.2077% | 781 |
| Net loans and leases to core deposits | 105.9183% | 1,113 |
| Total domestic deposits to total assets | 86.6700% | 1,881 |
| Equity capital to assets | 11.0096% | 1,501 |
| Core capital (leverage) ratio | 10.7439% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6186% | 2,026 |
| Memoranda: | ||
| Average total assets | $1,418,070,500 | 770 |
| Average earning assets | $1,332,896,500 | 751 |
| Average equity | $156,245,000 | 683 |
| Average total loans | $1,182,599,500 | 671 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 2,671 |
| Cost of funding earning assets | 0.8397% | 3,631 |
| Net interest margin | 3.8659% | 1,449 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.4997% | 2,297 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.3046% | 1,427 |
| Return on assets (ROA) | 1.3046% | 1,393 |
| Pretax return on assets | 1.7603% | 943 |
| Return on Equity (ROE) | 12.1000% | 1,928 |
| Retained earnings to average equity (ytd only) | 8.3400% | 1,448 |
| Net charge-offs to loans | 0.0119% | 2,206 |
| Credit loss provision to net charge-offs | 1,256.0976% | 336 |
| Earnings coverage of net charge-offs (x) | 206.7886% | 577 |
| Efficiency ratio | 56.8338% | 3,415 |
| Assets per employee ($millions) | 9.6595% | 785 |
| Cash dividends to net income (ytd only)* | 31.0647% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 3,247 |
| Loan loss allowance to noncurrent loans | 273.3071% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 1,716 |
| Noncurrent loans to loans | 0.3702% | 1,877 |
| Net loans and leases to total assets | 82.6000% | 380 |
| Net loans and leases to deposits | 97.1869% | 702 |
| Net loans and leases to core deposits | 106.7864% | 1,078 |
| Total domestic deposits to total assets | 84.9900% | 2,317 |
| Equity capital to assets | 11.0269% | 1,470 |
| Core capital (leverage) ratio | 10.5812% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4079% | 1,720 |
| Memoranda: | ||
| Average total assets | $1,357,143,600 | 767 |
| Average earning assets | $1,275,400,000 | 753 |
| Average equity | $146,343,200 | 686 |
| Average total loans | $1,030,743,200 | 709 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 2,697 |
| Cost of funding earning assets | 0.6849% | 3,798 |
| Net interest margin | 3.9064% | 1,382 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.5167% | 2,178 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.3381% | 1,451 |
| Return on assets (ROA) | 1.3381% | 1,434 |
| Pretax return on assets | 1.8071% | 1,003 |
| Return on Equity (ROE) | 12.4800% | 2,008 |
| Retained earnings to average equity (ytd only) | 8.3249% | 1,860 |
| Net charge-offs to loans | -0.0024% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.6564% | 3,344 |
| Assets per employee ($millions) | 9.7574% | 729 |
| Cash dividends to net income (ytd only)* | 33.3062% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,252 |
| Loan loss allowance to noncurrent loans | 212.5467% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 1,484 |
| Noncurrent loans to loans | 0.4804% | 1,621 |
| Net loans and leases to total assets | 80.1000% | 630 |
| Net loans and leases to deposits | 92.2813% | 1,025 |
| Net loans and leases to core deposits | 100.5342% | 1,290 |
| Total domestic deposits to total assets | 86.8000% | 1,950 |
| Equity capital to assets | 10.8044% | 1,429 |
| Core capital (leverage) ratio | 10.6645% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4937% | 1,718 |
| Memoranda: | ||
| Average total assets | $1,346,273,750 | 776 |
| Average earning assets | $1,266,103,250 | 757 |
| Average equity | $144,317,750 | 688 |
| Average total loans | $996,241,250 | 727 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 2,703 |
| Cost of funding earning assets | 0.5331% | 3,919 |
| Net interest margin | 3.9451% | 1,339 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.4670% | 2,299 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.3849% | 1,369 |
| Return on assets (ROA) | 1.3849% | 1,345 |
| Pretax return on assets | 1.8703% | 902 |
| Return on Equity (ROE) | 12.9500% | 1,912 |
| Retained earnings to average equity (ytd only) | 12.9540% | 812 |
| Net charge-offs to loans | -0.0038% | 3,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.9517% | 3,537 |
| Assets per employee ($millions) | 9.3125% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,584 |
| Loan loss allowance to noncurrent loans | 208.6084% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 1,205 |
| Noncurrent loans to loans | 0.5616% | 1,334 |
| Net loans and leases to total assets | 77.6700% | 869 |
| Net loans and leases to deposits | 89.8484% | 1,201 |
| Net loans and leases to core deposits | 96.3979% | 1,443 |
| Total domestic deposits to total assets | 86.4500% | 2,102 |
| Equity capital to assets | 10.9262% | 1,418 |
| Core capital (leverage) ratio | 10.6439% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7262% | 1,647 |
| Memoranda: | ||
| Average total assets | $1,336,435,000 | 772 |
| Average earning assets | $1,257,119,000 | 751 |
| Average equity | $142,875,000 | 690 |
| Average total loans | $957,212,333 | 742 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 2,571 |
| Cost of funding earning assets | 0.4256% | 3,895 |
| Net interest margin | 3.9651% | 1,338 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.3358% | 2,714 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 1.3905% | 1,434 |
| Return on assets (ROA) | 1.3905% | 1,406 |
| Pretax return on assets | 1.8805% | 936 |
| Return on Equity (ROE) | 13.1500% | 1,955 |
| Retained earnings to average equity (ytd only) | 13.1505% | 1,065 |
| Net charge-offs to loans | 0.0018% | 1,978 |
| Credit loss provision to net charge-offs | 18,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,753.5000% | 48 |
| Efficiency ratio | 52.3935% | 3,747 |
| Assets per employee ($millions) | 9.2819% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,118 |
| Loan loss allowance to noncurrent loans | 213.1797% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 1,204 |
| Noncurrent loans to loans | 0.6020% | 1,234 |
| Net loans and leases to total assets | 70.2100% | 1,602 |
| Net loans and leases to deposits | 79.4148% | 1,859 |
| Net loans and leases to core deposits | 85.1284% | 1,919 |
| Total domestic deposits to total assets | 88.4100% | 1,776 |
| Equity capital to assets | 10.7684% | 1,424 |
| Core capital (leverage) ratio | 10.3516% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0304% | 1,618 |
| Memoranda: | ||
| Average total assets | $1,338,806,500 | 782 |
| Average earning assets | $1,259,288,000 | 771 |
| Average equity | $141,561,000 | 703 |
| Average total loans | $912,527,000 | 784 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4811% | 3,132 |
| Cost of funding earning assets | 0.1972% | 3,782 |
| Net interest margin | 3.2839% | 2,607 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.2544% | 2,878 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.0026% | 2,556 |
| Return on assets (ROA) | 1.0026% | 2,500 |
| Pretax return on assets | 1.3595% | 1,905 |
| Return on Equity (ROE) | 10.0700% | 2,783 |
| Retained earnings to average equity (ytd only) | 10.0739% | 1,122 |
| Net charge-offs to loans | 0.0049% | 2,256 |
| Credit loss provision to net charge-offs | 7,085.3659% | 95 |
| Earnings coverage of net charge-offs (x) | 522.0488% | 325 |
| Efficiency ratio | 58.5407% | 3,259 |
| Assets per employee ($millions) | 9.0020% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 1,929 |
| Loan loss allowance to noncurrent loans | 175.3808% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 1,055 |
| Noncurrent loans to loans | 0.7377% | 1,018 |
| Net loans and leases to total assets | 64.4000% | 2,207 |
| Net loans and leases to deposits | 72.6016% | 2,363 |
| Net loans and leases to core deposits | 77.0364% | 2,351 |
| Total domestic deposits to total assets | 88.7000% | 1,814 |
| Equity capital to assets | 10.3822% | 1,515 |
| Core capital (leverage) ratio | 9.9775% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2770% | 1,542 |
| Memoranda: | ||
| Average total assets | $1,360,725,400 | 755 |
| Average earning assets | $1,275,154,000 | 743 |
| Average equity | $135,418,800 | 727 |
| Average total loans | $840,816,000 | 792 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2280% | 3,366 |
| Cost of funding earning assets | 0.1692% | 3,634 |
| Net interest margin | 3.0587% | 3,053 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.2093% | 2,907 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.8598% | 3,035 |
| Return on assets (ROA) | 0.8598% | 3,009 |
| Pretax return on assets | 1.1659% | 2,502 |
| Return on Equity (ROE) | 8.7300% | 3,104 |
| Retained earnings to average equity (ytd only) | 8.7333% | 1,744 |
| Net charge-offs to loans | 0.0018% | 2,234 |
| Credit loss provision to net charge-offs | 22,409.0909% | 28 |
| Earnings coverage of net charge-offs (x) | 1,307.9091% | 104 |
| Efficiency ratio | 60.7118% | 3,026 |
| Assets per employee ($millions) | 9.1011% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 1,920 |
| Loan loss allowance to noncurrent loans | 52.4963% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5435% | 214 |
| Noncurrent loans to loans | 2.5216% | 209 |
| Net loans and leases to total assets | 60.4000% | 2,457 |
| Net loans and leases to deposits | 67.8052% | 2,549 |
| Net loans and leases to core deposits | 72.4693% | 2,452 |
| Total domestic deposits to total assets | 89.0800% | 2,057 |
| Equity capital to assets | 10.0402% | 1,600 |
| Core capital (leverage) ratio | 9.5192% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0118% | 1,424 |
| Memoranda: | ||
| Average total assets | $1,363,330,000 | 764 |
| Average earning assets | $1,276,394,000 | 753 |
| Average equity | $134,225,500 | 744 |
| Average total loans | $830,770,750 | 801 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9749% | 3,617 |
| Cost of funding earning assets | 0.1600% | 3,445 |
| Net interest margin | 2.8149% | 3,405 |
| Noninterest income to average assets | 0.6943% | 1,363 |
| Noninterest expense to average assets | 2.1707% | 2,941 |
| Loan and lease loss provision to assets | 0.2497% | 288 |
| Net operating income to assets | 0.6689% | 3,418 |
| Return on assets (ROA) | 0.6689% | 3,364 |
| Pretax return on assets | 0.9048% | 3,049 |
| Return on Equity (ROE) | 6.8392% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.8392% | 2,037 |
| Net charge-offs to loans | 0.0007% | 2,127 |
| Credit loss provision to net charge-offs | 56,833.3333% | 4 |
| Earnings coverage of net charge-offs (x) | 2,628.0000% | 31 |
| Efficiency ratio | 64.8655% | 2,654 |
| Assets per employee ($millions) | 9.0706% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,695 |
| Loan loss allowance to noncurrent loans | 47.4111% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5765% | 217 |
| Noncurrent loans to loans | 2.5239% | 224 |
| Net loans and leases to total assets | 61.7144% | 2,151 |
| Net loans and leases to deposits | 69.1666% | 2,288 |
| Net loans and leases to core deposits | 74.0162% | 2,171 |
| Total domestic deposits to total assets | 89.2257% | 2,075 |
| Equity capital to assets | 9.7887% | 1,827 |
| Core capital (leverage) ratio | 9.1974% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1887% | 1,978 |
| Memoranda: | ||
| Average total assets | $1,365,752,667 | 756 |
| Average earning assets | $1,276,477,667 | 753 |
| Average equity | $133,583,333 | 753 |
| Average total loans | $831,008,333 | 782 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8697% | 3,610 |
| Cost of funding earning assets | 0.1615% | 3,347 |
| Net interest margin | 2.7082% | 3,383 |
| Noninterest income to average assets | 0.6403% | 1,530 |
| Noninterest expense to average assets | 2.1522% | 2,973 |
| Loan and lease loss provision to assets | 0.1217% | 682 |
| Net operating income to assets | 0.6646% | 3,177 |
| Return on assets (ROA) | 0.6646% | 3,159 |
| Pretax return on assets | 0.8998% | 2,777 |
| Return on Equity (ROE) | 6.7977% | 3,099 |
| Retained earnings to average equity (ytd only) | 6.7977% | 1,960 |
| Net charge-offs to loans | 0.0010% | 1,808 |
| Credit loss provision to net charge-offs | 20,750.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,741.5000% | 34 |
| Efficiency ratio | 67.3782% | 2,580 |
| Assets per employee ($millions) | 8.9171% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,400 |
| Loan loss allowance to noncurrent loans | 154.4090% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 1,441 |
| Noncurrent loans to loans | 0.7019% | 1,353 |
| Net loans and leases to total assets | 59.4683% | 2,121 |
| Net loans and leases to deposits | 66.7739% | 2,269 |
| Net loans and leases to core deposits | 71.7854% | 2,132 |
| Total domestic deposits to total assets | 89.0592% | 2,055 |
| Equity capital to assets | 9.7122% | 2,116 |
| Core capital (leverage) ratio | 9.1371% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5361% | 1,635 |
| Memoranda: | ||
| Average total assets | $1,363,800,500 | 760 |
| Average earning assets | $1,275,823,000 | 755 |
| Average equity | $133,339,500 | 765 |
| Average total loans | $818,756,500 | 782 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8379% | 4,148 |
| Cost of funding earning assets | 0.2061% | 3,404 |
| Net interest margin | 2.6318% | 3,995 |
| Noninterest income to average assets | 0.7352% | 1,644 |
| Noninterest expense to average assets | 2.2424% | 2,962 |
| Loan and lease loss provision to assets | 0.1492% | 808 |
| Net operating income to assets | 0.6023% | 3,872 |
| Return on assets (ROA) | 0.6023% | 3,915 |
| Pretax return on assets | 0.8001% | 3,729 |
| Return on Equity (ROE) | 5.9809% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.9809% | 2,369 |
| Net charge-offs to loans | 0.0431% | 1,418 |
| Credit loss provision to net charge-offs | 588.1459% | 736 |
| Earnings coverage of net charge-offs (x) | 37.4316% | 1,471 |
| Efficiency ratio | 69.4699% | 1,796 |
| Assets per employee ($millions) | 8.8521% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,569 |
| Loan loss allowance to noncurrent loans | 145.7977% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 1,519 |
| Noncurrent loans to loans | 0.7210% | 1,409 |
| Net loans and leases to total assets | 59.3185% | 2,227 |
| Net loans and leases to deposits | 66.7299% | 2,436 |
| Net loans and leases to core deposits | 71.7948% | 2,278 |
| Total domestic deposits to total assets | 88.8935% | 1,573 |
| Equity capital to assets | 9.8428% | 2,812 |
| Core capital (leverage) ratio | 8.9104% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8804% | 1,554 |
| Memoranda: | ||
| Average total assets | $1,297,281,400 | 768 |
| Average earning assets | $1,210,834,000 | 763 |
| Average equity | $130,633,600 | 794 |
| Average total loans | $763,483,200 | 824 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8642% | 4,219 |
| Cost of funding earning assets | 0.2165% | 3,453 |
| Net interest margin | 2.6477% | 4,061 |
| Noninterest income to average assets | 0.7349% | 1,711 |
| Noninterest expense to average assets | 2.2519% | 2,885 |
| Loan and lease loss provision to assets | 0.0556% | 1,873 |
| Net operating income to assets | 0.6718% | 3,837 |
| Return on assets (ROA) | 0.6718% | 3,894 |
| Pretax return on assets | 0.8958% | 3,705 |
| Return on Equity (ROE) | 6.6324% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.6324% | 2,566 |
| Net charge-offs to loans | 0.0578% | 1,068 |
| Credit loss provision to net charge-offs | 164.1104% | 1,303 |
| Earnings coverage of net charge-offs (x) | 28.0828% | 1,560 |
| Efficiency ratio | 69.3950% | 1,669 |
| Assets per employee ($millions) | 9.0737% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 3,990 |
| Loan loss allowance to noncurrent loans | 118.8312% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 1,701 |
| Noncurrent loans to loans | 0.8039% | 1,414 |
| Net loans and leases to total assets | 54.7329% | 2,876 |
| Net loans and leases to deposits | 61.5852% | 3,086 |
| Net loans and leases to core deposits | 66.1431% | 2,939 |
| Total domestic deposits to total assets | 88.8735% | 1,359 |
| Equity capital to assets | 9.8000% | 3,103 |
| Core capital (leverage) ratio | 9.1051% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,283,010,250 | 787 |
| Average earning assets | $1,196,123,250 | 782 |
| Average equity | $129,965,250 | 811 |
| Average total loans | $751,372,750 | 847 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0186% | 4,007 |
| Cost of funding earning assets | 0.2325% | 3,447 |
| Net interest margin | 2.7861% | 3,812 |
| Noninterest income to average assets | 0.7532% | 1,665 |
| Noninterest expense to average assets | 2.2939% | 2,783 |
| Loan and lease loss provision to assets | 0.0143% | 2,670 |
| Net operating income to assets | 0.7790% | 3,566 |
| Return on assets (ROA) | 0.7790% | 3,635 |
| Pretax return on assets | 1.0435% | 3,348 |
| Return on Equity (ROE) | 7.6021% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.6021% | 2,221 |
| Net charge-offs to loans | 0.0667% | 956 |
| Credit loss provision to net charge-offs | 35.8566% | 1,679 |
| Earnings coverage of net charge-offs (x) | 26.5498% | 1,384 |
| Efficiency ratio | 67.3423% | 1,962 |
| Assets per employee ($millions) | 8.7031% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 4,056 |
| Loan loss allowance to noncurrent loans | 98.1294% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 1,552 |
| Noncurrent loans to loans | 0.9507% | 1,301 |
| Net loans and leases to total assets | 55.7901% | 2,924 |
| Net loans and leases to deposits | 63.1352% | 3,090 |
| Net loans and leases to core deposits | 68.0494% | 2,955 |
| Total domestic deposits to total assets | 88.3662% | 1,637 |
| Equity capital to assets | 10.2007% | 2,673 |
| Core capital (leverage) ratio | 9.2056% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,260,021,667 | 792 |
| Average earning assets | $1,175,190,000 | 791 |
| Average equity | $129,122,667 | 810 |
| Average total loans | $752,792,667 | 848 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1100% | 3,861 |
| Cost of funding earning assets | 0.2592% | 3,385 |
| Net interest margin | 2.8507% | 3,636 |
| Noninterest income to average assets | 0.7412% | 1,741 |
| Noninterest expense to average assets | 2.3573% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7775% | 3,494 |
| Return on assets (ROA) | 0.7775% | 3,560 |
| Pretax return on assets | 1.0420% | 3,252 |
| Return on Equity (ROE) | 7.5694% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.5694% | 2,394 |
| Net charge-offs to loans | 0.1388% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 12.2030% | 1,426 |
| Efficiency ratio | 67.5985% | 1,994 |
| Assets per employee ($millions) | 8.3455% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 4,290 |
| Loan loss allowance to noncurrent loans | 80.2457% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 1,469 |
| Noncurrent loans to loans | 1.0609% | 1,265 |
| Net loans and leases to total assets | 60.3683% | 2,495 |
| Net loans and leases to deposits | 68.0701% | 2,698 |
| Net loans and leases to core deposits | 73.6315% | 2,547 |
| Total domestic deposits to total assets | 88.6855% | 1,516 |
| Equity capital to assets | 10.0405% | 2,672 |
| Core capital (leverage) ratio | 9.3327% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5680% | 1,150 |
| Memoranda: | ||
| Average total assets | $1,246,006,500 | 796 |
| Average earning assets | $1,161,815,500 | 787 |
| Average equity | $127,989,000 | 812 |
| Average total loans | $766,502,500 | 837 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7627% | 3,408 |
| Cost of funding earning assets | 0.5655% | 2,533 |
| Net interest margin | 3.1972% | 3,368 |
| Noninterest income to average assets | 0.7030% | 1,854 |
| Noninterest expense to average assets | 2.5554% | 2,682 |
| Loan and lease loss provision to assets | 0.1097% | 2,972 |
| Net operating income to assets | 0.7657% | 3,218 |
| Return on assets (ROA) | 0.7657% | 3,338 |
| Pretax return on assets | 1.0214% | 2,970 |
| Return on Equity (ROE) | 7.0807% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.0807% | 1,370 |
| Net charge-offs to loans | 0.0729% | 1,756 |
| Credit loss provision to net charge-offs | 225.8652% | 2,043 |
| Earnings coverage of net charge-offs (x) | 23.2933% | 1,808 |
| Efficiency ratio | 66.7586% | 2,399 |
| Assets per employee ($millions) | 7.6380% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,119 |
| Loan loss allowance to noncurrent loans | 87.1337% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 1,514 |
| Noncurrent loans to loans | 1.0594% | 1,341 |
| Net loans and leases to total assets | 61.6137% | 2,654 |
| Net loans and leases to deposits | 69.9827% | 2,879 |
| Net loans and leases to core deposits | 76.4876% | 2,678 |
| Total domestic deposits to total assets | 88.0412% | 1,450 |
| Equity capital to assets | 10.5184% | 2,655 |
| Core capital (leverage) ratio | 9.2632% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5807% | 1,129 |
| Memoranda: | ||
| Average total assets | $1,130,634,200 | 793 |
| Average earning assets | $1,055,046,000 | 781 |
| Average equity | $122,262,400 | 809 |
| Average total loans | $753,369,400 | 825 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 3,199 |
| Cost of funding earning assets | 0.6150% | 2,517 |
| Net interest margin | 3.3024% | 3,182 |
| Noninterest income to average assets | 0.6639% | 1,926 |
| Noninterest expense to average assets | 2.5427% | 2,714 |
| Loan and lease loss provision to assets | 0.1080% | 2,971 |
| Net operating income to assets | 0.8193% | 3,019 |
| Return on assets (ROA) | 0.8193% | 3,144 |
| Pretax return on assets | 1.0968% | 2,759 |
| Return on Equity (ROE) | 7.5213% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.5213% | 1,489 |
| Net charge-offs to loans | 0.1137% | 1,215 |
| Credit loss provision to net charge-offs | 139.9689% | 2,383 |
| Earnings coverage of net charge-offs (x) | 15.6205% | 2,091 |
| Efficiency ratio | 65.0290% | 2,589 |
| Assets per employee ($millions) | 7.9265% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 4,261 |
| Loan loss allowance to noncurrent loans | 78.2153% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7054% | 1,654 |
| Noncurrent loans to loans | 1.0716% | 1,398 |
| Net loans and leases to total assets | 62.5443% | 2,940 |
| Net loans and leases to deposits | 72.2875% | 3,107 |
| Net loans and leases to core deposits | 79.4664% | 2,889 |
| Total domestic deposits to total assets | 86.5215% | 1,851 |
| Equity capital to assets | 10.2302% | 3,032 |
| Core capital (leverage) ratio | 9.2795% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5163% | 1,648 |
| Memoranda: | ||
| Average total assets | $1,111,591,750 | 791 |
| Average earning assets | $1,037,939,500 | 776 |
| Average equity | $121,093,750 | 808 |
| Average total loans | $754,090,750 | 813 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,255 |
| Cost of funding earning assets | 0.6737% | 2,534 |
| Net interest margin | 3.3550% | 3,235 |
| Noninterest income to average assets | 0.6013% | 2,124 |
| Noninterest expense to average assets | 2.6502% | 2,524 |
| Loan and lease loss provision to assets | 0.0783% | 3,318 |
| Net operating income to assets | 0.7487% | 3,215 |
| Return on assets (ROA) | 0.7487% | 3,330 |
| Pretax return on assets | 0.9983% | 3,038 |
| Return on Equity (ROE) | 6.7162% | 3,242 |
| Retained earnings to average equity (ytd only) | 6.7162% | 1,771 |
| Net charge-offs to loans | 0.0024% | 2,923 |
| Credit loss provision to net charge-offs | 4,666.6667% | 250 |
| Earnings coverage of net charge-offs (x) | 641.5556% | 159 |
| Efficiency ratio | 67.6240% | 2,288 |
| Assets per employee ($millions) | 7.6845% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 4,189 |
| Loan loss allowance to noncurrent loans | 68.8983% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 1,451 |
| Noncurrent loans to loans | 1.2346% | 1,264 |
| Net loans and leases to total assets | 66.3441% | 2,576 |
| Net loans and leases to deposits | 76.3847% | 2,819 |
| Net loans and leases to core deposits | 83.7298% | 2,633 |
| Total domestic deposits to total assets | 86.8552% | 1,681 |
| Equity capital to assets | 10.5421% | 2,714 |
| Core capital (leverage) ratio | 9.5883% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0130% | 1,812 |
| Memoranda: | ||
| Average total assets | $1,072,588,333 | 802 |
| Average earning assets | $999,221,667 | 791 |
| Average equity | $119,562,000 | 809 |
| Average total loans | $747,149,333 | 814 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 3,235 |
| Cost of funding earning assets | 0.7378% | 2,738 |
| Net interest margin | 3.4551% | 3,140 |
| Noninterest income to average assets | 0.5890% | 2,087 |
| Noninterest expense to average assets | 2.8336% | 2,328 |
| Loan and lease loss provision to assets | 0.0820% | 2,674 |
| Net operating income to assets | 0.6545% | 3,439 |
| Return on assets (ROA) | 0.6545% | 3,497 |
| Pretax return on assets | 0.8774% | 3,200 |
| Return on Equity (ROE) | 5.6956% | 3,425 |
| Retained earnings to average equity (ytd only) | 5.6956% | 1,994 |
| Net charge-offs to loans | 0.0055% | 2,376 |
| Credit loss provision to net charge-offs | 2,100.0000% | 330 |
| Earnings coverage of net charge-offs (x) | 245.8000% | 280 |
| Efficiency ratio | 71.1257% | 2,199 |
| Assets per employee ($millions) | 6.6523% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 4,174 |
| Loan loss allowance to noncurrent loans | 63.2789% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 1,285 |
| Noncurrent loans to loans | 1.3955% | 1,146 |
| Net loans and leases to total assets | 70.0813% | 2,241 |
| Net loans and leases to deposits | 82.0821% | 2,446 |
| Net loans and leases to core deposits | 91.1249% | 2,236 |
| Total domestic deposits to total assets | 85.3796% | 2,256 |
| Equity capital to assets | 11.5551% | 2,392 |
| Core capital (leverage) ratio | 10.3147% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8457% | 1,644 |
| Memoranda: | ||
| Average total assets | $1,024,858,500 | 802 |
| Average earning assets | $950,352,500 | 792 |
| Average equity | $117,774,500 | 816 |
| Average total loans | $729,934,500 | 811 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 3,757 |
| Cost of funding earning assets | 0.8038% | 2,667 |
| Net interest margin | 3.4185% | 3,687 |
| Noninterest income to average assets | 0.7601% | 1,586 |
| Noninterest expense to average assets | 2.7489% | 2,756 |
| Loan and lease loss provision to assets | 0.0911% | 2,200 |
| Net operating income to assets | 0.8313% | 3,448 |
| Return on assets (ROA) | 0.8313% | 3,540 |
| Pretax return on assets | 1.0868% | 3,210 |
| Return on Equity (ROE) | 7.6567% | 3,303 |
| Retained earnings to average equity (ytd only) | -16.3085% | 5,123 |
| Net charge-offs to loans | 0.0204% | 3,008 |
| Credit loss provision to net charge-offs | 633.3333% | 491 |
| Earnings coverage of net charge-offs (x) | 81.8667% | 779 |
| Efficiency ratio | 66.2005% | 2,740 |
| Assets per employee ($millions) | 6.6576% | 1,207 |
| Cash dividends to net income (ytd only)* | 312.9958% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,142 |
| Loan loss allowance to noncurrent loans | 80.9499% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 1,632 |
| Noncurrent loans to loans | 1.0544% | 1,437 |
| Net loans and leases to total assets | 71.1342% | 2,231 |
| Net loans and leases to deposits | 83.3542% | 2,404 |
| Net loans and leases to core deposits | 92.6835% | 2,188 |
| Total domestic deposits to total assets | 85.3397% | 2,370 |
| Equity capital to assets | 11.4277% | 2,594 |
| Core capital (leverage) ratio | 10.6182% | 2,840 |
| Tier 1 risk-based capital ratio | 14.6083% | 2,958 |
| Total risk-based capital ratio | 15.5094% | 3,058 |
| Memoranda: | ||
| Average total assets | $833,972,800 | 939 |
| Average earning assets | $772,558,400 | 936 |
| Average equity | $90,547,600 | 971 |
| Average total loans | $587,428,000 | 923 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 3,815 |
| Cost of funding earning assets | 0.8062% | 2,685 |
| Net interest margin | 3.4403% | 3,756 |
| Noninterest income to average assets | 0.7531% | 1,583 |
| Noninterest expense to average assets | 2.7050% | 2,862 |
| Loan and lease loss provision to assets | 0.0609% | 2,680 |
| Net operating income to assets | 0.8965% | 3,358 |
| Return on assets (ROA) | 0.8965% | 3,433 |
| Pretax return on assets | 1.1728% | 3,064 |
| Return on Equity (ROE) | 8.3994% | 3,157 |
| Retained earnings to average equity (ytd only) | -26.0099% | 5,224 |
| Net charge-offs to loans | 0.0273% | 2,544 |
| Credit loss provision to net charge-offs | 318.5841% | 919 |
| Earnings coverage of net charge-offs (x) | 64.5145% | 1,014 |
| Efficiency ratio | 64.7918% | 2,893 |
| Assets per employee ($millions) | 6.6414% | 1,196 |
| Cash dividends to net income (ytd only)* | 409.6659% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,284 |
| Loan loss allowance to noncurrent loans | 77.9720% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 1,367 |
| Noncurrent loans to loans | 1.3470% | 1,139 |
| Net loans and leases to total assets | 69.0821% | 2,611 |
| Net loans and leases to deposits | 80.7522% | 2,826 |
| Net loans and leases to core deposits | 89.1074% | 2,626 |
| Total domestic deposits to total assets | 85.5483% | 2,186 |
| Equity capital to assets | 10.3091% | 3,710 |
| Core capital (leverage) ratio | 8.9303% | 4,682 |
| Tier 1 risk-based capital ratio | 12.7493% | 3,992 |
| Total risk-based capital ratio | 13.8360% | 3,964 |
| Memoranda: | ||
| Average total assets | $787,814,500 | 985 |
| Average earning assets | $729,488,750 | 982 |
| Average equity | $84,083,750 | 1,039 |
| Average total loans | $551,581,250 | 979 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 3,934 |
| Cost of funding earning assets | 0.7836% | 2,722 |
| Net interest margin | 3.4128% | 3,855 |
| Noninterest income to average assets | 0.7388% | 1,568 |
| Noninterest expense to average assets | 2.6681% | 3,007 |
| Loan and lease loss provision to assets | 0.0765% | 2,288 |
| Net operating income to assets | 0.8854% | 3,340 |
| Return on assets (ROA) | 0.8854% | 3,404 |
| Pretax return on assets | 1.1578% | 3,048 |
| Return on Equity (ROE) | 8.2007% | 3,203 |
| Retained earnings to average equity (ytd only) | -43.0241% | 5,286 |
| Net charge-offs to loans | 0.0400% | 2,090 |
| Credit loss provision to net charge-offs | 272.7273% | 954 |
| Earnings coverage of net charge-offs (x) | 44.0273% | 1,191 |
| Efficiency ratio | 64.4331% | 3,068 |
| Assets per employee ($millions) | 6.5480% | 1,212 |
| Cash dividends to net income (ytd only)* | 624.6402% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,336 |
| Loan loss allowance to noncurrent loans | 79.2740% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 1,424 |
| Noncurrent loans to loans | 1.3239% | 1,185 |
| Net loans and leases to total assets | 68.8654% | 2,694 |
| Net loans and leases to deposits | 80.8307% | 2,865 |
| Net loans and leases to core deposits | 90.7126% | 2,540 |
| Total domestic deposits to total assets | 85.1970% | 2,389 |
| Equity capital to assets | 10.1181% | 3,868 |
| Core capital (leverage) ratio | 8.6997% | 4,843 |
| Tier 1 risk-based capital ratio | 12.1481% | 4,332 |
| Total risk-based capital ratio | 13.2057% | 4,330 |
| Memoranda: | ||
| Average total assets | $784,761,670 | 992 |
| Average earning assets | $727,439,330 | 989 |
| Average equity | $84,724,670 | 1,026 |
| Average total loans | $549,971,670 | 983 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 3,748 |
| Cost of funding earning assets | 0.7586% | 2,751 |
| Net interest margin | 3.4809% | 3,648 |
| Noninterest income to average assets | 0.7293% | 1,509 |
| Noninterest expense to average assets | 2.6331% | 3,109 |
| Loan and lease loss provision to assets | 0.0922% | 1,878 |
| Net operating income to assets | 0.9404% | 3,088 |
| Return on assets (ROA) | 0.9404% | 3,131 |
| Pretax return on assets | 1.2354% | 2,681 |
| Return on Equity (ROE) | 8.4410% | 3,064 |
| Retained earnings to average equity (ytd only) | -91.3251% | 5,351 |
| Net charge-offs to loans | 0.0015% | 2,710 |
| Credit loss provision to net charge-offs | 9,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,296.0000% | 38 |
| Efficiency ratio | 62.5889% | 3,446 |
| Assets per employee ($millions) | 6.4966% | 1,242 |
| Cash dividends to net income (ytd only)* | 1,181.9172% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,353 |
| Loan loss allowance to noncurrent loans | 84.8267% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8806% | 1,606 |
| Noncurrent loans to loans | 1.2510% | 1,317 |
| Net loans and leases to total assets | 69.6449% | 2,539 |
| Net loans and leases to deposits | 81.5507% | 2,657 |
| Net loans and leases to core deposits | 91.3587% | 2,362 |
| Total domestic deposits to total assets | 85.4007% | 2,525 |
| Equity capital to assets | 10.0220% | 3,803 |
| Core capital (leverage) ratio | 8.4275% | 5,048 |
| Tier 1 risk-based capital ratio | 11.9458% | 4,489 |
| Total risk-based capital ratio | 13.0151% | 4,482 |
| Memoranda: | ||
| Average total assets | $780,985,500 | 997 |
| Average earning assets | $724,987,000 | 990 |
| Average equity | $87,003,500 | 992 |
| Average total loans | $549,249,000 | 988 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,798 |
| Cost of funding earning assets | 0.5305% | 3,178 |
| Net interest margin | 3.5503% | 3,544 |
| Noninterest income to average assets | 0.7388% | 1,694 |
| Noninterest expense to average assets | 2.5424% | 3,497 |
| Loan and lease loss provision to assets | 0.3812% | 371 |
| Net operating income to assets | 0.8448% | 3,625 |
| Return on assets (ROA) | 0.8448% | 3,623 |
| Pretax return on assets | 1.1020% | 3,263 |
| Return on Equity (ROE) | 6.8552% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.8552% | 1,734 |
| Net charge-offs to loans | 0.0014% | 3,717 |
| Credit loss provision to net charge-offs | 41,214.2857% | 5 |
| Earnings coverage of net charge-offs (x) | 1,603.5714% | 68 |
| Efficiency ratio | 59.1958% | 3,988 |
| Assets per employee ($millions) | 6.6292% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,621 |
| Loan loss allowance to noncurrent loans | 70.2170% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 1,356 |
| Noncurrent loans to loans | 1.4380% | 1,078 |
| Net loans and leases to total assets | 69.5552% | 2,638 |
| Net loans and leases to deposits | 84.7174% | 2,436 |
| Net loans and leases to core deposits | 93.3690% | 2,282 |
| Total domestic deposits to total assets | 82.1027% | 3,617 |
| Equity capital to assets | 12.2361% | 1,739 |
| Core capital (leverage) ratio | 11.3409% | 2,234 |
| Tier 1 risk-based capital ratio | 15.0510% | 2,808 |
| Total risk-based capital ratio | 16.0551% | 2,850 |
| Memoranda: | ||
| Average total assets | $756,779,600 | 996 |
| Average earning assets | $700,612,000 | 988 |
| Average equity | $93,258,200 | 907 |
| Average total loans | $509,831,400 | 1,031 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 3,655 |
| Cost of funding earning assets | 0.5091% | 3,135 |
| Net interest margin | 3.5843% | 3,419 |
| Noninterest income to average assets | 0.7552% | 1,654 |
| Noninterest expense to average assets | 2.5733% | 3,368 |
| Loan and lease loss provision to assets | 0.3196% | 444 |
| Net operating income to assets | 0.9026% | 3,512 |
| Return on assets (ROA) | 0.9026% | 3,518 |
| Pretax return on assets | 1.1785% | 3,075 |
| Return on Equity (ROE) | 7.3112% | 3,815 |
| Retained earnings to average equity (ytd only) | 7.3112% | 1,966 |
| Net charge-offs to loans | 0.0024% | 3,398 |
| Credit loss provision to net charge-offs | 19,944.4444% | 15 |
| Earnings coverage of net charge-offs (x) | 934.7542% | 93 |
| Efficiency ratio | 59.2503% | 3,925 |
| Assets per employee ($millions) | 6.6277% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 4,231 |
| Loan loss allowance to noncurrent loans | 61.7599% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 1,541 |
| Noncurrent loans to loans | 1.4702% | 1,106 |
| Net loans and leases to total assets | 63.9607% | 3,432 |
| Net loans and leases to deposits | 73.9850% | 3,593 |
| Net loans and leases to core deposits | 82.3016% | 3,302 |
| Total domestic deposits to total assets | 86.4509% | 1,994 |
| Equity capital to assets | 12.2578% | 1,737 |
| Core capital (leverage) ratio | 10.9929% | 2,581 |
| Tier 1 risk-based capital ratio | 16.6431% | 2,223 |
| Total risk-based capital ratio | 17.5551% | 2,277 |
| Memoranda: | ||
| Average total assets | $748,755,000 | 1,001 |
| Average earning assets | $692,738,750 | 993 |
| Average equity | $92,440,750 | 909 |
| Average total loans | $498,713,500 | 1,053 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 3,728 |
| Cost of funding earning assets | 0.4856% | 3,127 |
| Net interest margin | 3.5332% | 3,520 |
| Noninterest income to average assets | 0.7633% | 1,598 |
| Noninterest expense to average assets | 2.6205% | 3,264 |
| Loan and lease loss provision to assets | 0.3895% | 316 |
| Net operating income to assets | 0.7870% | 3,897 |
| Return on assets (ROA) | 0.7870% | 3,898 |
| Pretax return on assets | 1.0185% | 3,606 |
| Return on Equity (ROE) | 6.3588% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.3588% | 2,382 |
| Net charge-offs to loans | 0.0168% | 2,582 |
| Credit loss provision to net charge-offs | 3,440.4762% | 117 |
| Earnings coverage of net charge-offs (x) | 124.3810% | 600 |
| Efficiency ratio | 61.0156% | 3,765 |
| Assets per employee ($millions) | 6.3540% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 4,611 |
| Loan loss allowance to noncurrent loans | 53.6151% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 1,477 |
| Noncurrent loans to loans | 1.5455% | 1,070 |
| Net loans and leases to total assets | 64.7166% | 3,318 |
| Net loans and leases to deposits | 74.8267% | 3,456 |
| Net loans and leases to core deposits | 83.2544% | 3,145 |
| Total domestic deposits to total assets | 86.4887% | 2,059 |
| Equity capital to assets | 12.1652% | 1,740 |
| Core capital (leverage) ratio | 11.0774% | 2,454 |
| Tier 1 risk-based capital ratio | 16.1186% | 2,397 |
| Total risk-based capital ratio | 16.9526% | 2,491 |
| Memoranda: | ||
| Average total assets | $742,068,670 | 1,008 |
| Average earning assets | $685,776,670 | 1,007 |
| Average equity | $91,841,000 | 910 |
| Average total loans | $499,536,330 | 1,048 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,388 |
| Cost of funding earning assets | 0.4558% | 3,162 |
| Net interest margin | 3.6029% | 3,168 |
| Noninterest income to average assets | 0.6908% | 1,876 |
| Noninterest expense to average assets | 2.6398% | 3,218 |
| Loan and lease loss provision to assets | 0.4072% | 274 |
| Net operating income to assets | 0.7559% | 3,890 |
| Return on assets (ROA) | 0.7559% | 3,889 |
| Pretax return on assets | 0.9707% | 3,634 |
| Return on Equity (ROE) | 6.0536% | 4,141 |
| Retained earnings to average equity (ytd only) | 6.0536% | 2,690 |
| Net charge-offs to loans | 0.0280% | 1,938 |
| Credit loss provision to net charge-offs | 2,128.5714% | 175 |
| Earnings coverage of net charge-offs (x) | 72.0286% | 757 |
| Efficiency ratio | 61.6107% | 3,856 |
| Assets per employee ($millions) | 6.3308% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6844% | 5,057 |
| Loan loss allowance to noncurrent loans | 49.2109% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 1,664 |
| Noncurrent loans to loans | 1.3908% | 1,278 |
| Net loans and leases to total assets | 67.1976% | 2,866 |
| Net loans and leases to deposits | 77.8295% | 3,034 |
| Net loans and leases to core deposits | 86.7989% | 2,734 |
| Total domestic deposits to total assets | 86.3395% | 2,387 |
| Equity capital to assets | 12.3633% | 1,569 |
| Core capital (leverage) ratio | 11.0129% | 2,425 |
| Tier 1 risk-based capital ratio | 15.6417% | 2,613 |
| Total risk-based capital ratio | 16.3321% | 2,770 |
| Memoranda: | ||
| Average total assets | $731,862,500 | 1,027 |
| Average earning assets | $675,793,500 | 1,031 |
| Average equity | $91,383,000 | 920 |
| Average total loans | $500,517,000 | 1,051 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 3,963 |
| Cost of funding earning assets | 0.4192% | 3,059 |
| Net interest margin | 3.4060% | 3,835 |
| Noninterest income to average assets | 0.6649% | 2,117 |
| Noninterest expense to average assets | 2.5746% | 3,525 |
| Loan and lease loss provision to assets | 0.2987% | 576 |
| Net operating income to assets | 0.6820% | 3,673 |
| Return on assets (ROA) | 0.6820% | 3,726 |
| Pretax return on assets | 0.9412% | 3,775 |
| Return on Equity (ROE) | 5.5936% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.5936% | 1,778 |
| Net charge-offs to loans | 0.0642% | 2,553 |
| Credit loss provision to net charge-offs | 691.0828% | 476 |
| Earnings coverage of net charge-offs (x) | 28.6847% | 1,595 |
| Efficiency ratio | 63.1419% | 3,753 |
| Assets per employee ($millions) | 6.3423% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5441% | 5,332 |
| Loan loss allowance to noncurrent loans | 35.9408% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 1,454 |
| Noncurrent loans to loans | 1.5140% | 1,122 |
| Net loans and leases to total assets | 68.7599% | 2,711 |
| Net loans and leases to deposits | 80.0131% | 2,918 |
| Net loans and leases to core deposits | 86.8834% | 2,836 |
| Total domestic deposits to total assets | 85.9358% | 2,470 |
| Equity capital to assets | 12.6124% | 1,451 |
| Core capital (leverage) ratio | 10.9630% | 2,376 |
| Tier 1 risk-based capital ratio | 15.5969% | 2,587 |
| Total risk-based capital ratio | 16.1517% | 2,825 |
| Memoranda: | ||
| Average total assets | $726,415,600 | 1,009 |
| Average earning assets | $671,735,400 | 1,009 |
| Average equity | $88,565,400 | 916 |
| Average total loans | $488,770,000 | 1,051 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7266% | 4,250 |
| Cost of funding earning assets | 0.4193% | 2,991 |
| Net interest margin | 3.3072% | 4,151 |
| Noninterest income to average assets | 0.6321% | 2,306 |
| Noninterest expense to average assets | 2.5940% | 3,428 |
| Loan and lease loss provision to assets | 0.2512% | 692 |
| Net operating income to assets | 0.5973% | 4,404 |
| Return on assets (ROA) | 0.5973% | 4,441 |
| Pretax return on assets | 0.8494% | 4,210 |
| Return on Equity (ROE) | 4.9413% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.9413% | 2,926 |
| Net charge-offs to loans | 0.0658% | 2,178 |
| Credit loss provision to net charge-offs | 570.8333% | 560 |
| Earnings coverage of net charge-offs (x) | 25.0127% | 1,747 |
| Efficiency ratio | 65.7255% | 3,263 |
| Assets per employee ($millions) | 6.4070% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4053% | 5,558 |
| Loan loss allowance to noncurrent loans | 25.6002% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 1,409 |
| Noncurrent loans to loans | 1.5830% | 1,172 |
| Net loans and leases to total assets | 67.0913% | 2,971 |
| Net loans and leases to deposits | 78.4970% | 3,118 |
| Net loans and leases to core deposits | 85.8921% | 2,980 |
| Total domestic deposits to total assets | 85.4699% | 2,528 |
| Equity capital to assets | 12.3091% | 1,776 |
| Core capital (leverage) ratio | 10.7155% | 2,745 |
| Tier 1 risk-based capital ratio | 15.2641% | 2,812 |
| Total risk-based capital ratio | 15.6745% | 3,143 |
| Memoranda: | ||
| Average total assets | $727,263,000 | 1,017 |
| Average earning assets | $673,420,250 | 1,009 |
| Average equity | $87,909,000 | 926 |
| Average total loans | $485,994,500 | 1,060 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 4,346 |
| Cost of funding earning assets | 0.4249% | 2,851 |
| Net interest margin | 3.2320% | 4,322 |
| Noninterest income to average assets | 0.6097% | 2,410 |
| Noninterest expense to average assets | 2.6199% | 3,370 |
| Loan and lease loss provision to assets | 0.2258% | 770 |
| Net operating income to assets | 0.5409% | 4,571 |
| Return on assets (ROA) | 0.5409% | 4,608 |
| Pretax return on assets | 0.7618% | 4,399 |
| Return on Equity (ROE) | 4.5023% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.5023% | 3,027 |
| Net charge-offs to loans | 0.0240% | 2,738 |
| Credit loss provision to net charge-offs | 1,413.7931% | 307 |
| Earnings coverage of net charge-offs (x) | 61.8276% | 930 |
| Efficiency ratio | 68.0205% | 3,010 |
| Assets per employee ($millions) | 6.0384% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3300% | 5,654 |
| Loan loss allowance to noncurrent loans | 27.9814% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 1,921 |
| Noncurrent loans to loans | 1.1795% | 1,657 |
| Net loans and leases to total assets | 68.3353% | 2,760 |
| Net loans and leases to deposits | 79.9157% | 2,918 |
| Net loans and leases to core deposits | 87.2016% | 2,781 |
| Total domestic deposits to total assets | 85.5092% | 2,612 |
| Equity capital to assets | 12.3095% | 1,726 |
| Core capital (leverage) ratio | 10.4164% | 3,009 |
| Tier 1 risk-based capital ratio | 15.1647% | 2,860 |
| Total risk-based capital ratio | 15.5055% | 3,204 |
| Memoranda: | ||
| Average total assets | $726,216,330 | 1,022 |
| Average earning assets | $673,586,330 | 1,008 |
| Average equity | $87,243,330 | 938 |
| Average total loans | $483,982,330 | 1,065 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6079% | 4,398 |
| Cost of funding earning assets | 0.4273% | 2,745 |
| Net interest margin | 3.1807% | 4,403 |
| Noninterest income to average assets | 0.5622% | 2,596 |
| Noninterest expense to average assets | 2.5768% | 3,567 |
| Loan and lease loss provision to assets | 0.1972% | 841 |
| Net operating income to assets | 0.5276% | 4,481 |
| Return on assets (ROA) | 0.5276% | 4,520 |
| Pretax return on assets | 0.7369% | 4,319 |
| Return on Equity (ROE) | 4.4460% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.4460% | 3,205 |
| Net charge-offs to loans | 0.0359% | 2,070 |
| Credit loss provision to net charge-offs | 837.2093% | 373 |
| Earnings coverage of net charge-offs (x) | 39.6512% | 1,045 |
| Efficiency ratio | 68.6954% | 3,097 |
| Assets per employee ($millions) | 6.3205% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2457% | 5,763 |
| Loan loss allowance to noncurrent loans | 30.6038% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 2,645 |
| Noncurrent loans to loans | 0.8027% | 2,447 |
| Net loans and leases to total assets | 65.9797% | 2,973 |
| Net loans and leases to deposits | 77.8681% | 2,988 |
| Net loans and leases to core deposits | 85.1412% | 2,796 |
| Total domestic deposits to total assets | 84.7327% | 3,197 |
| Equity capital to assets | 12.0041% | 1,838 |
| Core capital (leverage) ratio | 10.2540% | 3,185 |
| Tier 1 risk-based capital ratio | 15.5089% | 2,752 |
| Total risk-based capital ratio | 15.7684% | 3,125 |
| Memoranda: | ||
| Average total assets | $730,041,500 | 1,014 |
| Average earning assets | $676,839,500 | 1,006 |
| Average equity | $86,639,000 | 939 |
| Average total loans | $479,643,500 | 1,064 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9822% | 5,515 |
| Cost of funding earning assets | 0.4004% | 2,993 |
| Net interest margin | 2.5818% | 5,535 |
| Noninterest income to average assets | 0.5049% | 3,205 |
| Noninterest expense to average assets | 1.9854% | 5,218 |
| Loan and lease loss provision to assets | 0.1750% | 1,375 |
| Net operating income to assets | 0.4861% | 4,687 |
| Return on assets (ROA) | 0.4867% | 4,762 |
| Pretax return on assets | 0.7496% | 4,346 |
| Return on Equity (ROE) | 4.2731% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.2731% | 2,869 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6756% | 3,824 |
| Assets per employee ($millions) | 6.3209% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1806% | 5,835 |
| Loan loss allowance to noncurrent loans | 22.6178% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 2,751 |
| Noncurrent loans to loans | 0.7983% | 2,517 |
| Net loans and leases to total assets | 65.1455% | 3,203 |
| Net loans and leases to deposits | 76.6059% | 3,252 |
| Net loans and leases to core deposits | 83.9637% | 3,030 |
| Total domestic deposits to total assets | 85.0399% | 3,026 |
| Equity capital to assets | 11.7324% | 1,985 |
| Core capital (leverage) ratio | 12.7698% | 1,223 |
| Tier 1 risk-based capital ratio | 15.1878% | 2,889 |
| Total risk-based capital ratio | 15.3760% | 3,317 |
| Memoranda: | ||
| Average total assets | $493,761,800 | 1,394 |
| Average earning assets | $459,789,000 | 1,386 |
| Average equity | $56,236,000 | 1,367 |
| Average total loans | $386,443,400 | 1,233 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8848% | 5,661 |
| Cost of funding earning assets | 0.4178% | 2,861 |
| Net interest margin | 2.4671% | 5,676 |
| Noninterest income to average assets | 0.3976% | 3,938 |
| Noninterest expense to average assets | 1.7933% | 5,525 |
| Loan and lease loss provision to assets | 0.1635% | 1,403 |
| Net operating income to assets | 0.4740% | 4,787 |
| Return on assets (ROA) | 0.4748% | 4,868 |
| Pretax return on assets | 0.7430% | 4,494 |
| Return on Equity (ROE) | 4.2222% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.2222% | 3,321 |
| Net charge-offs to loans | -0.0033% | 4,545 |
| Credit loss provision to net charge-offs | -5,911.1111% | 5,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4541% | 3,509 |
| Assets per employee ($millions) | 5.5113% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1453% | 5,907 |
| Loan loss allowance to noncurrent loans | 14.2294% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 1,873 |
| Noncurrent loans to loans | 1.0210% | 2,202 |
| Net loans and leases to total assets | 81.2872% | 719 |
| Net loans and leases to deposits | 97.7112% | 881 |
| Net loans and leases to core deposits | 110.0377% | 908 |
| Total domestic deposits to total assets | 83.1913% | 3,517 |
| Equity capital to assets | 11.3975% | 2,602 |
| Core capital (leverage) ratio | 11.2605% | 2,222 |
| Tier 1 risk-based capital ratio | 14.4915% | 3,290 |
| Total risk-based capital ratio | 14.6563% | 3,828 |
| Memoranda: | ||
| Average total assets | $433,896,500 | 1,564 |
| Average earning assets | $404,679,000 | 1,547 |
| Average equity | $48,788,750 | 1,564 |
| Average total loans | $363,422,750 | 1,292 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1806% | 5,975 |
| Cost of funding earning assets | 0.3165% | 3,948 |
| Net interest margin | 1.8641% | 5,972 |
| Noninterest income to average assets | 0.2981% | 4,653 |
| Noninterest expense to average assets | 1.4271% | 5,890 |
| Loan and lease loss provision to assets | 0.1028% | 2,127 |
| Net operating income to assets | 0.3213% | 5,260 |
| Return on assets (ROA) | 0.3225% | 5,340 |
| Pretax return on assets | 0.5093% | 5,113 |
| Return on Equity (ROE) | 2.8821% | 5,271 |
| Retained earnings to average equity (ytd only) | 2.8821% | 4,072 |
| Net charge-offs to loans | -0.0022% | 4,382 |
| Credit loss provision to net charge-offs | -5,475.0000% | 5,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0461% | 2,977 |
| Assets per employee ($millions) | 5.2731% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0640% | 5,999 |
| Loan loss allowance to noncurrent loans | 4.0254% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 1,157 |
| Noncurrent loans to loans | 1.5898% | 1,353 |
| Net loans and leases to total assets | 83.8486% | 430 |
| Net loans and leases to deposits | 101.5297% | 596 |
| Net loans and leases to core deposits | 113.2464% | 760 |
| Total domestic deposits to total assets | 82.5853% | 3,804 |
| Equity capital to assets | 11.7307% | 2,324 |
| Core capital (leverage) ratio | 11.3274% | 2,120 |
| Tier 1 risk-based capital ratio | 14.4389% | 3,356 |
| Total risk-based capital ratio | 14.5159% | 3,952 |
| Memoranda: | ||
| Average total assets | $426,050,330 | 1,592 |
| Average earning assets | $397,503,000 | 1,585 |
| Average equity | $47,673,000 | 1,589 |
| Average total loans | $360,438,000 | 1,300 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4631% | 1,618 |
| Cost of funding earning assets | 0.6175% | 1,229 |
| Net interest margin | 3.8456% | 2,121 |
| Noninterest income to average assets | 0.5102% | 3,051 |
| Noninterest expense to average assets | 2.8812% | 2,770 |
| Loan and lease loss provision to assets | 0.1694% | 1,216 |
| Net operating income to assets | 0.6703% | 3,877 |
| Return on assets (ROA) | 0.6453% | 4,120 |
| Pretax return on assets | 1.0127% | 3,432 |
| Return on Equity (ROE) | 5.9164% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.9164% | 2,412 |
| Net charge-offs to loans | 0.0280% | 2,379 |
| Credit loss provision to net charge-offs | 712.0000% | 479 |
| Earnings coverage of net charge-offs (x) | 51.3200% | 875 |
| Efficiency ratio | 70.2320% | 3,074 |
| Assets per employee ($millions) | 5.2250% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 4,007 |
| Loan loss allowance to noncurrent loans | 59.3731% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.8329% | 1,001 |
| Noncurrent loans to loans | 1.8654% | 1,186 |
| Net loans and leases to total assets | 82.5091% | 504 |
| Net loans and leases to deposits | 98.1081% | 751 |
| Net loans and leases to core deposits | 108.9655% | 914 |
| Total domestic deposits to total assets | 84.1002% | 3,481 |
| Equity capital to assets | 10.8028% | 3,160 |
| Core capital (leverage) ratio | 10.9113% | 2,484 |
| Tier 1 risk-based capital ratio | 13.8166% | 3,799 |
| Total risk-based capital ratio | 15.0103% | 3,765 |
| Memoranda: | ||
| Average total assets | $420,243,500 | 1,610 |
| Average earning assets | $392,552,000 | 1,598 |
| Average equity | $45,839,000 | 1,644 |
| Average total loans | $357,052,000 | 1,302 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 2,300 |
| Cost of funding earning assets | 0.6211% | 1,225 |
| Net interest margin | 3.6526% | 2,929 |
| Noninterest income to average assets | 0.5782% | 2,843 |
| Noninterest expense to average assets | 2.7441% | 3,430 |
| Loan and lease loss provision to assets | 0.0833% | 2,626 |
| Net operating income to assets | 0.7180% | 3,720 |
| Return on assets (ROA) | 0.7164% | 3,840 |
| Pretax return on assets | 1.1484% | 2,849 |
| Return on Equity (ROE) | 6.5069% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.5069% | 1,539 |
| Net charge-offs to loans | 0.0679% | 2,883 |
| Credit loss provision to net charge-offs | 147.1366% | 1,809 |
| Earnings coverage of net charge-offs (x) | 21.7974% | 1,798 |
| Efficiency ratio | 68.9761% | 3,404 |
| Assets per employee ($millions) | 5.0249% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 4,226 |
| Loan loss allowance to noncurrent loans | 44.8821% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 2.3799% | 667 |
| Noncurrent loans to loans | 2.3778% | 795 |
| Net loans and leases to total assets | 85.6303% | 262 |
| Net loans and leases to deposits | 101.6526% | 566 |
| Net loans and leases to core deposits | 111.8266% | 785 |
| Total domestic deposits to total assets | 84.2382% | 3,385 |
| Equity capital to assets | 11.0169% | 2,803 |
| Core capital (leverage) ratio | 11.1558% | 2,261 |
| Tier 1 risk-based capital ratio | 13.5537% | 3,976 |
| Total risk-based capital ratio | 14.6908% | 3,978 |
| Memoranda: | ||
| Average total assets | $400,891,200 | 1,647 |
| Average earning assets | $373,188,800 | 1,627 |
| Average equity | $44,138,000 | 1,671 |
| Average total loans | $334,424,800 | 1,334 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 2,424 |
| Cost of funding earning assets | 0.6323% | 1,195 |
| Net interest margin | 3.6128% | 3,109 |
| Noninterest income to average assets | 0.5854% | 2,819 |
| Noninterest expense to average assets | 2.6833% | 3,619 |
| Loan and lease loss provision to assets | 0.0425% | 3,361 |
| Net operating income to assets | 0.7546% | 3,661 |
| Return on assets (ROA) | 0.7546% | 3,760 |
| Pretax return on assets | 1.2181% | 2,742 |
| Return on Equity (ROE) | 6.8545% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.8545% | 1,757 |
| Net charge-offs to loans | 0.0722% | 2,532 |
| Credit loss provision to net charge-offs | 71.3483% | 2,741 |
| Earnings coverage of net charge-offs (x) | 21.1458% | 1,835 |
| Efficiency ratio | 68.0367% | 3,532 |
| Assets per employee ($millions) | 4.8468% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 4,305 |
| Loan loss allowance to noncurrent loans | 48.3431% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.2393% | 837 |
| Noncurrent loans to loans | 2.2472% | 963 |
| Net loans and leases to total assets | 83.5509% | 420 |
| Net loans and leases to deposits | 97.5159% | 861 |
| Net loans and leases to core deposits | 107.5146% | 1,003 |
| Total domestic deposits to total assets | 85.6792% | 2,700 |
| Equity capital to assets | 11.2896% | 2,709 |
| Core capital (leverage) ratio | 11.2635% | 2,231 |
| Tier 1 risk-based capital ratio | 14.7281% | 3,428 |
| Total risk-based capital ratio | 15.9299% | 3,391 |
| Memoranda: | ||
| Average total assets | $398,103,750 | 1,669 |
| Average earning assets | $370,077,250 | 1,654 |
| Average equity | $43,824,000 | 1,692 |
| Average total loans | $328,871,500 | 1,361 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 2,528 |
| Cost of funding earning assets | 0.6358% | 1,193 |
| Net interest margin | 3.5691% | 3,217 |
| Noninterest income to average assets | 0.6000% | 2,741 |
| Noninterest expense to average assets | 2.6546% | 3,734 |
| Loan and lease loss provision to assets | 0.0613% | 2,879 |
| Net operating income to assets | 0.7491% | 3,648 |
| Return on assets (ROA) | 0.7491% | 3,745 |
| Pretax return on assets | 1.2071% | 2,752 |
| Return on Equity (ROE) | 6.8636% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.8636% | 1,762 |
| Net charge-offs to loans | 0.1090% | 1,906 |
| Credit loss provision to net charge-offs | 68.5393% | 2,476 |
| Earnings coverage of net charge-offs (x) | 14.1910% | 2,075 |
| Efficiency ratio | 67.6693% | 3,722 |
| Assets per employee ($millions) | 4.7625% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 4,290 |
| Loan loss allowance to noncurrent loans | 51.1661% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 2.2705% | 902 |
| Noncurrent loans to loans | 2.1620% | 1,109 |
| Net loans and leases to total assets | 82.3689% | 518 |
| Net loans and leases to deposits | 96.0536% | 959 |
| Net loans and leases to core deposits | 106.2450% | 1,061 |
| Total domestic deposits to total assets | 85.7530% | 2,821 |
| Equity capital to assets | 11.1763% | 2,691 |
| Core capital (leverage) ratio | 10.9957% | 2,421 |
| Tier 1 risk-based capital ratio | 14.9768% | 3,371 |
| Total risk-based capital ratio | 16.2231% | 3,310 |
| Memoranda: | ||
| Average total assets | $398,326,000 | 1,679 |
| Average earning assets | $370,846,330 | 1,660 |
| Average equity | $43,475,670 | 1,712 |
| Average total loans | $326,592,330 | 1,372 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 2,705 |
| Cost of funding earning assets | 0.6293% | 1,233 |
| Net interest margin | 3.5015% | 3,432 |
| Noninterest income to average assets | 0.7143% | 2,102 |
| Noninterest expense to average assets | 2.5520% | 4,092 |
| Loan and lease loss provision to assets | 0.0620% | 2,690 |
| Net operating income to assets | 0.8463% | 3,026 |
| Return on assets (ROA) | 0.8463% | 3,148 |
| Pretax return on assets | 1.3675% | 2,008 |
| Return on Equity (ROE) | 7.8470% | 3,038 |
| Retained earnings to average equity (ytd only) | 7.8470% | 1,628 |
| Net charge-offs to loans | 0.1131% | 1,614 |
| Credit loss provision to net charge-offs | 67.3913% | 1,939 |
| Earnings coverage of net charge-offs (x) | 15.5326% | 1,619 |
| Efficiency ratio | 64.0955% | 4,467 |
| Assets per employee ($millions) | 4.9918% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 4,390 |
| Loan loss allowance to noncurrent loans | 51.0295% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 2.2296% | 1,029 |
| Noncurrent loans to loans | 2.2070% | 1,147 |
| Net loans and leases to total assets | 80.6376% | 615 |
| Net loans and leases to deposits | 94.0416% | 978 |
| Net loans and leases to core deposits | 104.1869% | 1,057 |
| Total domestic deposits to total assets | 85.7467% | 3,067 |
| Equity capital to assets | 10.9148% | 3,072 |
| Core capital (leverage) ratio | 10.8807% | 2,535 |
| Tier 1 risk-based capital ratio | 15.2291% | 3,304 |
| Total risk-based capital ratio | 16.4874% | 3,228 |
| Memoranda: | ||
| Average total assets | $399,847,000 | 1,675 |
| Average earning assets | $373,099,500 | 1,659 |
| Average equity | $43,124,500 | 1,724 |
| Average total loans | $325,272,000 | 1,377 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 2,183 |
| Cost of funding earning assets | 0.6910% | 1,146 |
| Net interest margin | 3.7207% | 2,922 |
| Noninterest income to average assets | 0.5971% | 2,876 |
| Noninterest expense to average assets | 2.6109% | 4,173 |
| Loan and lease loss provision to assets | 0.1664% | 1,574 |
| Net operating income to assets | 0.7900% | 3,427 |
| Return on assets (ROA) | 0.7900% | 3,521 |
| Pretax return on assets | 1.2673% | 2,358 |
| Return on Equity (ROE) | 7.3826% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.3826% | 1,235 |
| Net charge-offs to loans | 0.0557% | 3,719 |
| Credit loss provision to net charge-offs | 358.9888% | 732 |
| Earnings coverage of net charge-offs (x) | 30.9326% | 1,306 |
| Efficiency ratio | 64.5529% | 4,496 |
| Assets per employee ($millions) | 4.6552% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 4,344 |
| Loan loss allowance to noncurrent loans | 52.8663% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 2.1519% | 1,138 |
| Noncurrent loans to loans | 2.1533% | 1,254 |
| Net loans and leases to total assets | 80.2190% | 717 |
| Net loans and leases to deposits | 93.1673% | 1,168 |
| Net loans and leases to core deposits | 102.7131% | 1,195 |
| Total domestic deposits to total assets | 86.1021% | 2,780 |
| Equity capital to assets | 10.6560% | 3,292 |
| Core capital (leverage) ratio | 10.4528% | 3,001 |
| Tier 1 risk-based capital ratio | 14.6735% | 3,679 |
| Total risk-based capital ratio | 15.8878% | 3,627 |
| Memoranda: | ||
| Average total assets | $384,037,400 | 1,710 |
| Average earning assets | $355,845,200 | 1,685 |
| Average equity | $41,096,800 | 1,744 |
| Average total loans | $319,627,400 | 1,357 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 2,365 |
| Cost of funding earning assets | 0.6733% | 1,300 |
| Net interest margin | 3.6927% | 3,054 |
| Noninterest income to average assets | 0.6064% | 2,829 |
| Noninterest expense to average assets | 2.5577% | 4,328 |
| Loan and lease loss provision to assets | 0.1863% | 1,311 |
| Net operating income to assets | 0.7930% | 3,451 |
| Return on assets (ROA) | 0.7930% | 3,561 |
| Pretax return on assets | 1.2766% | 2,472 |
| Return on Equity (ROE) | 7.4025% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.4025% | 1,619 |
| Net charge-offs to loans | 0.0645% | 3,282 |
| Credit loss provision to net charge-offs | 344.8052% | 814 |
| Earnings coverage of net charge-offs (x) | 27.0712% | 1,466 |
| Efficiency ratio | 63.6149% | 4,613 |
| Assets per employee ($millions) | 4.8498% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 4,744 |
| Loan loss allowance to noncurrent loans | 33.0559% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 3.1415% | 727 |
| Noncurrent loans to loans | 3.3320% | 743 |
| Net loans and leases to total assets | 82.6063% | 448 |
| Net loans and leases to deposits | 96.0003% | 884 |
| Net loans and leases to core deposits | 106.1001% | 954 |
| Total domestic deposits to total assets | 86.0480% | 2,824 |
| Equity capital to assets | 10.6580% | 3,359 |
| Core capital (leverage) ratio | 10.5395% | 3,000 |
| Tier 1 risk-based capital ratio | 14.5800% | 3,831 |
| Total risk-based capital ratio | 15.8073% | 3,794 |
| Memoranda: | ||
| Average total assets | $379,959,750 | 1,737 |
| Average earning assets | $351,310,750 | 1,714 |
| Average equity | $40,705,750 | 1,763 |
| Average total loans | $318,321,000 | 1,375 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,450 |
| Cost of funding earning assets | 0.6564% | 1,460 |
| Net interest margin | 3.6788% | 3,036 |
| Noninterest income to average assets | 0.6234% | 2,691 |
| Noninterest expense to average assets | 2.5858% | 4,288 |
| Loan and lease loss provision to assets | 0.1597% | 1,555 |
| Net operating income to assets | 0.7901% | 3,380 |
| Return on assets (ROA) | 0.7901% | 3,477 |
| Pretax return on assets | 1.2703% | 2,369 |
| Return on Equity (ROE) | 7.3614% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.3614% | 1,580 |
| Net charge-offs to loans | 0.0546% | 3,179 |
| Credit loss provision to net charge-offs | 348.8372% | 767 |
| Earnings coverage of net charge-offs (x) | 31.2326% | 1,220 |
| Efficiency ratio | 64.3908% | 4,632 |
| Assets per employee ($millions) | 5.0010% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 5,030 |
| Loan loss allowance to noncurrent loans | 34.8023% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 2.8123% | 930 |
| Noncurrent loans to loans | 3.0681% | 931 |
| Net loans and leases to total assets | 81.9689% | 467 |
| Net loans and leases to deposits | 95.1772% | 868 |
| Net loans and leases to core deposits | 105.4826% | 927 |
| Total domestic deposits to total assets | 86.1225% | 2,982 |
| Equity capital to assets | 10.5487% | 3,383 |
| Core capital (leverage) ratio | 10.6909% | 2,733 |
| Tier 1 risk-based capital ratio | 14.6486% | 3,839 |
| Total risk-based capital ratio | 15.8964% | 3,788 |
| Memoranda: | ||
| Average total assets | $375,668,670 | 1,750 |
| Average earning assets | $346,417,670 | 1,730 |
| Average equity | $40,318,330 | 1,767 |
| Average total loans | $315,055,000 | 1,380 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 2,064 |
| Cost of funding earning assets | 0.6603% | 1,510 |
| Net interest margin | 3.7592% | 2,643 |
| Noninterest income to average assets | 0.5721% | 2,902 |
| Noninterest expense to average assets | 2.6705% | 4,037 |
| Loan and lease loss provision to assets | 0.1628% | 1,494 |
| Net operating income to assets | 0.7393% | 3,489 |
| Return on assets (ROA) | 0.7393% | 3,570 |
| Pretax return on assets | 1.1876% | 2,539 |
| Return on Equity (ROE) | 6.8265% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.8265% | 2,131 |
| Net charge-offs to loans | 0.0322% | 2,945 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 49.7600% | 752 |
| Efficiency ratio | 66.4147% | 4,460 |
| Assets per employee ($millions) | 4.7709% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 5,243 |
| Loan loss allowance to noncurrent loans | 31.8794% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 3.1252% | 886 |
| Noncurrent loans to loans | 3.3578% | 901 |
| Net loans and leases to total assets | 83.4967% | 263 |
| Net loans and leases to deposits | 97.4331% | 575 |
| Net loans and leases to core deposits | 107.3370% | 701 |
| Total domestic deposits to total assets | 85.6964% | 3,517 |
| Equity capital to assets | 10.8220% | 2,910 |
| Core capital (leverage) ratio | 10.8498% | 2,541 |
| Tier 1 risk-based capital ratio | 14.7590% | 3,846 |
| Total risk-based capital ratio | 15.9949% | 3,807 |
| Memoranda: | ||
| Average total assets | $368,464,500 | 1,782 |
| Average earning assets | $338,047,000 | 1,783 |
| Average equity | $39,903,500 | 1,773 |
| Average total loans | $310,986,000 | 1,395 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 2,457 |
| Cost of funding earning assets | 0.6584% | 2,142 |
| Net interest margin | 3.7753% | 2,742 |
| Noninterest income to average assets | 0.7712% | 2,203 |
| Noninterest expense to average assets | 2.5841% | 4,517 |
| Loan and lease loss provision to assets | 0.1431% | 2,514 |
| Net operating income to assets | 0.9525% | 2,563 |
| Return on assets (ROA) | 0.9777% | 2,499 |
| Pretax return on assets | 1.5590% | 1,271 |
| Return on Equity (ROE) | 8.9182% | 2,582 |
| Retained earnings to average equity (ytd only) | 8.9182% | 789 |
| Net charge-offs to loans | 0.2190% | 2,711 |
| Credit loss provision to net charge-offs | 78.4469% | 3,084 |
| Earnings coverage of net charge-offs (x) | 9.1125% | 2,556 |
| Efficiency ratio | 60.8471% | 5,371 |
| Assets per employee ($millions) | 5.0666% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,342 |
| Loan loss allowance to noncurrent loans | 32.7003% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 2.9962% | 1,057 |
| Noncurrent loans to loans | 3.2151% | 1,042 |
| Net loans and leases to total assets | 83.5136% | 288 |
| Net loans and leases to deposits | 97.5146% | 621 |
| Net loans and leases to core deposits | 107.6242% | 714 |
| Total domestic deposits to total assets | 85.6422% | 3,433 |
| Equity capital to assets | 10.8375% | 2,777 |
| Core capital (leverage) ratio | 10.7402% | 2,635 |
| Tier 1 risk-based capital ratio | 14.7598% | 3,811 |
| Total risk-based capital ratio | 15.9847% | 3,758 |
| Memoranda: | ||
| Average total assets | $345,807,800 | 1,868 |
| Average earning assets | $318,355,200 | 1,871 |
| Average equity | $37,911,400 | 1,832 |
| Average total loans | $288,135,400 | 1,474 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 2,605 |
| Cost of funding earning assets | 0.6433% | 2,424 |
| Net interest margin | 3.7546% | 2,827 |
| Noninterest income to average assets | 0.7670% | 2,292 |
| Noninterest expense to average assets | 2.5723% | 4,483 |
| Loan and lease loss provision to assets | 0.1247% | 2,735 |
| Net operating income to assets | 0.9566% | 2,550 |
| Return on assets (ROA) | 0.9906% | 2,510 |
| Pretax return on assets | 1.5821% | 1,381 |
| Return on Equity (ROE) | 9.0082% | 2,624 |
| Retained earnings to average equity (ytd only) | 9.0082% | 1,051 |
| Net charge-offs to loans | 0.1083% | 3,458 |
| Credit loss provision to net charge-offs | 138.6957% | 1,687 |
| Earnings coverage of net charge-offs (x) | 18.3912% | 1,684 |
| Efficiency ratio | 60.8696% | 5,302 |
| Assets per employee ($millions) | 4.9406% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 5,042 |
| Loan loss allowance to noncurrent loans | 36.0587% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 2.9438% | 1,260 |
| Noncurrent loans to loans | 3.2322% | 1,216 |
| Net loans and leases to total assets | 81.3995% | 414 |
| Net loans and leases to deposits | 95.3116% | 743 |
| Net loans and leases to core deposits | 104.7404% | 838 |
| Total domestic deposits to total assets | 85.4035% | 3,541 |
| Equity capital to assets | 10.7122% | 3,056 |
| Core capital (leverage) ratio | 10.8792% | 2,593 |
| Tier 1 risk-based capital ratio | 14.9276% | 3,803 |
| Total risk-based capital ratio | 16.1790% | 3,748 |
| Memoranda: | ||
| Average total assets | $341,060,250 | 1,899 |
| Average earning assets | $314,198,250 | 1,902 |
| Average equity | $37,505,500 | 1,862 |
| Average total loans | $283,196,000 | 1,499 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 2,434 |
| Cost of funding earning assets | 0.6237% | 2,742 |
| Net interest margin | 3.8129% | 2,505 |
| Noninterest income to average assets | 0.7150% | 2,571 |
| Noninterest expense to average assets | 2.6396% | 4,251 |
| Loan and lease loss provision to assets | 0.1542% | 2,387 |
| Net operating income to assets | 0.8956% | 2,821 |
| Return on assets (ROA) | 0.9476% | 2,728 |
| Pretax return on assets | 1.5078% | 1,594 |
| Return on Equity (ROE) | 8.5378% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.5378% | 1,275 |
| Net charge-offs to loans | 0.0237% | 4,365 |
| Credit loss provision to net charge-offs | 781.8182% | 386 |
| Earnings coverage of net charge-offs (x) | 80.1212% | 566 |
| Efficiency ratio | 62.5443% | 5,089 |
| Assets per employee ($millions) | 4.9482% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 4,675 |
| Loan loss allowance to noncurrent loans | 35.8295% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 3.1847% | 1,247 |
| Noncurrent loans to loans | 3.5265% | 1,198 |
| Net loans and leases to total assets | 81.1713% | 418 |
| Net loans and leases to deposits | 96.7778% | 620 |
| Net loans and leases to core deposits | 106.2666% | 728 |
| Total domestic deposits to total assets | 83.8738% | 4,371 |
| Equity capital to assets | 10.9133% | 2,832 |
| Core capital (leverage) ratio | 11.2175% | 2,160 |
| Tier 1 risk-based capital ratio | 15.1316% | 3,692 |
| Total risk-based capital ratio | 16.3841% | 3,652 |
| Memoranda: | ||
| Average total assets | $334,526,330 | 1,937 |
| Average earning assets | $307,534,670 | 1,948 |
| Average equity | $37,129,000 | 1,882 |
| Average total loans | $278,581,670 | 1,519 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 2,024 |
| Cost of funding earning assets | 0.6271% | 2,861 |
| Net interest margin | 3.9121% | 2,077 |
| Noninterest income to average assets | 0.7669% | 2,265 |
| Noninterest expense to average assets | 2.7961% | 3,715 |
| Loan and lease loss provision to assets | 0.1862% | 1,981 |
| Net operating income to assets | 0.8691% | 2,811 |
| Return on assets (ROA) | 0.8691% | 2,955 |
| Pretax return on assets | 1.3767% | 1,932 |
| Return on Equity (ROE) | 7.7623% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.7623% | 1,836 |
| Net charge-offs to loans | 0.0465% | 3,380 |
| Credit loss provision to net charge-offs | 478.1250% | 549 |
| Earnings coverage of net charge-offs (x) | 40.1250% | 789 |
| Efficiency ratio | 64.1441% | 4,989 |
| Assets per employee ($millions) | 4.5576% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 4,885 |
| Loan loss allowance to noncurrent loans | 34.1211% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 3.5728% | 1,180 |
| Noncurrent loans to loans | 3.6970% | 1,276 |
| Net loans and leases to total assets | 83.3431% | 218 |
| Net loans and leases to deposits | 100.9993% | 311 |
| Net loans and leases to core deposits | 110.8366% | 469 |
| Total domestic deposits to total assets | 82.5185% | 5,022 |
| Equity capital to assets | 11.3224% | 2,611 |
| Core capital (leverage) ratio | 11.1409% | 2,146 |
| Tier 1 risk-based capital ratio | 15.6309% | 3,459 |
| Total risk-based capital ratio | 16.9058% | 3,411 |
| Memoranda: | ||
| Average total assets | $328,602,000 | 2,004 |
| Average earning assets | $301,728,500 | 2,001 |
| Average equity | $36,793,000 | 1,929 |
| Average total loans | $275,495,000 | 1,543 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 2,586 |
| Cost of funding earning assets | 0.7129% | 3,385 |
| Net interest margin | 3.9889% | 2,437 |
| Noninterest income to average assets | 0.6826% | 2,818 |
| Noninterest expense to average assets | 2.6358% | 4,618 |
| Loan and lease loss provision to assets | 0.2557% | 2,609 |
| Net operating income to assets | 0.8928% | 2,856 |
| Return on assets (ROA) | 0.8928% | 3,088 |
| Pretax return on assets | 1.4251% | 1,951 |
| Return on Equity (ROE) | 7.8528% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.8528% | 1,172 |
| Net charge-offs to loans | 0.1610% | 4,095 |
| Credit loss provision to net charge-offs | 190.7767% | 1,372 |
| Earnings coverage of net charge-offs (x) | 12.5388% | 1,917 |
| Efficiency ratio | 61.0613% | 5,379 |
| Assets per employee ($millions) | 4.8391% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 4,976 |
| Loan loss allowance to noncurrent loans | 38.6723% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 3.1031% | 1,517 |
| Noncurrent loans to loans | 3.1831% | 1,624 |
| Net loans and leases to total assets | 82.2457% | 315 |
| Net loans and leases to deposits | 99.7012% | 424 |
| Net loans and leases to core deposits | 109.2794% | 561 |
| Total domestic deposits to total assets | 82.4921% | 4,935 |
| Equity capital to assets | 11.0716% | 2,868 |
| Core capital (leverage) ratio | 11.4389% | 1,918 |
| Tier 1 risk-based capital ratio | 15.6929% | 3,323 |
| Total risk-based capital ratio | 16.9553% | 3,273 |
| Memoranda: | ||
| Average total assets | $307,341,600 | 2,094 |
| Average earning assets | $280,000,800 | 2,103 |
| Average equity | $34,942,800 | 1,982 |
| Average total loans | $255,938,400 | 1,616 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 2,430 |
| Cost of funding earning assets | 0.7336% | 3,487 |
| Net interest margin | 4.0552% | 2,274 |
| Noninterest income to average assets | 0.6642% | 2,910 |
| Noninterest expense to average assets | 2.6113% | 4,699 |
| Loan and lease loss provision to assets | 0.3038% | 2,174 |
| Net operating income to assets | 0.8771% | 3,095 |
| Return on assets (ROA) | 0.8771% | 3,337 |
| Pretax return on assets | 1.4401% | 2,112 |
| Return on Equity (ROE) | 7.6595% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.6595% | 1,775 |
| Net charge-offs to loans | 0.1803% | 3,673 |
| Credit loss provision to net charge-offs | 202.3529% | 1,363 |
| Earnings coverage of net charge-offs (x) | 11.6148% | 2,065 |
| Efficiency ratio | 59.9574% | 5,508 |
| Assets per employee ($millions) | 4.4662% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,799 |
| Loan loss allowance to noncurrent loans | 42.2868% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 3.3024% | 1,544 |
| Noncurrent loans to loans | 3.0809% | 1,805 |
| Net loans and leases to total assets | 82.2776% | 321 |
| Net loans and leases to deposits | 101.7917% | 361 |
| Net loans and leases to core deposits | 112.2794% | 488 |
| Total domestic deposits to total assets | 80.8294% | 5,416 |
| Equity capital to assets | 11.5939% | 2,654 |
| Core capital (leverage) ratio | 11.7825% | 1,780 |
| Tier 1 risk-based capital ratio | 16.3856% | 3,073 |
| Total risk-based capital ratio | 17.6561% | 3,019 |
| Memoranda: | ||
| Average total assets | $301,912,500 | 2,145 |
| Average earning assets | $274,801,750 | 2,160 |
| Average equity | $34,570,500 | 2,020 |
| Average total loans | $251,420,750 | 1,655 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 2,291 |
| Cost of funding earning assets | 0.7548% | 3,571 |
| Net interest margin | 4.0986% | 2,102 |
| Noninterest income to average assets | 0.6310% | 3,068 |
| Noninterest expense to average assets | 2.5915% | 4,801 |
| Loan and lease loss provision to assets | 0.4089% | 1,608 |
| Net operating income to assets | 0.8331% | 3,226 |
| Return on assets (ROA) | 0.8331% | 3,493 |
| Pretax return on assets | 1.3615% | 2,344 |
| Return on Equity (ROE) | 7.3074% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.3074% | 1,949 |
| Net charge-offs to loans | 0.2139% | 3,289 |
| Credit loss provision to net charge-offs | 229.5880% | 1,245 |
| Earnings coverage of net charge-offs (x) | 9.9401% | 2,114 |
| Efficiency ratio | 59.4128% | 5,674 |
| Assets per employee ($millions) | 4.7528% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,668 |
| Loan loss allowance to noncurrent loans | 54.4700% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.9109% | 1,901 |
| Noncurrent loans to loans | 2.4779% | 2,428 |
| Net loans and leases to total assets | 81.6511% | 361 |
| Net loans and leases to deposits | 98.9229% | 475 |
| Net loans and leases to core deposits | 108.1094% | 659 |
| Total domestic deposits to total assets | 82.5401% | 4,937 |
| Equity capital to assets | 11.6834% | 2,425 |
| Core capital (leverage) ratio | 11.5625% | 1,864 |
| Tier 1 risk-based capital ratio | 16.6090% | 2,857 |
| Total risk-based capital ratio | 17.8744% | 2,801 |
| Memoranda: | ||
| Average total assets | $299,826,670 | 2,158 |
| Average earning assets | $272,923,000 | 2,174 |
| Average equity | $34,184,330 | 2,021 |
| Average total loans | $249,593,670 | 1,667 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 2,394 |
| Cost of funding earning assets | 0.7862% | 3,576 |
| Net interest margin | 4.0744% | 2,198 |
| Noninterest income to average assets | 0.6119% | 3,151 |
| Noninterest expense to average assets | 2.5158% | 5,098 |
| Loan and lease loss provision to assets | 0.4173% | 1,509 |
| Net operating income to assets | 0.8599% | 3,106 |
| Return on assets (ROA) | 0.8599% | 3,337 |
| Pretax return on assets | 1.3892% | 2,223 |
| Return on Equity (ROE) | 7.6365% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.6365% | 2,115 |
| Net charge-offs to loans | 0.4200% | 2,044 |
| Credit loss provision to net charge-offs | 119.0114% | 1,999 |
| Earnings coverage of net charge-offs (x) | 5.1521% | 2,427 |
| Efficiency ratio | 58.2048% | 5,887 |
| Assets per employee ($millions) | 4.8906% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 5,394 |
| Loan loss allowance to noncurrent loans | 53.7837% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 2.9521% | 1,959 |
| Noncurrent loans to loans | 2.2707% | 2,837 |
| Net loans and leases to total assets | 82.6656% | 239 |
| Net loans and leases to deposits | 100.2720% | 361 |
| Net loans and leases to core deposits | 109.5590% | 548 |
| Total domestic deposits to total assets | 82.4414% | 5,148 |
| Equity capital to assets | 11.5287% | 2,415 |
| Core capital (leverage) ratio | 11.3649% | 1,993 |
| Tier 1 risk-based capital ratio | 16.2404% | 3,048 |
| Total risk-based capital ratio | 17.5044% | 3,002 |
| Memoranda: | ||
| Average total assets | $300,028,000 | 2,166 |
| Average earning assets | $273,216,000 | 2,175 |
| Average equity | $33,785,000 | 2,050 |
| Average total loans | $250,476,500 | 1,660 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 1,972 |
| Cost of funding earning assets | 1.0004% | 3,377 |
| Net interest margin | 4.2225% | 1,985 |
| Noninterest income to average assets | 1.1025% | 1,095 |
| Noninterest expense to average assets | 2.7164% | 4,686 |
| Loan and lease loss provision to assets | 0.3847% | 2,684 |
| Net operating income to assets | 1.3246% | 1,188 |
| Return on assets (ROA) | 1.3266% | 1,273 |
| Pretax return on assets | 1.9115% | 647 |
| Return on Equity (ROE) | 12.2518% | 1,344 |
| Retained earnings to average equity (ytd only) | 12.2518% | 281 |
| Net charge-offs to loans | 0.3532% | 3,635 |
| Credit loss provision to net charge-offs | 131.5657% | 2,322 |
| Earnings coverage of net charge-offs (x) | 7.8422% | 2,248 |
| Efficiency ratio | 54.2232% | 6,491 |
| Assets per employee ($millions) | 5.0288% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 5,423 |
| Loan loss allowance to noncurrent loans | 44.9423% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 3.1014% | 1,928 |
| Noncurrent loans to loans | 2.6555% | 2,449 |
| Net loans and leases to total assets | 82.2895% | 320 |
| Net loans and leases to deposits | 99.0616% | 499 |
| Net loans and leases to core deposits | 108.8212% | 664 |
| Total domestic deposits to total assets | 83.0690% | 4,722 |
| Equity capital to assets | 10.9956% | 2,981 |
| Core capital (leverage) ratio | 10.8814% | 2,366 |
| Tier 1 risk-based capital ratio | 15.7707% | 3,171 |
| Total risk-based capital ratio | 17.0275% | 3,131 |
| Memoranda: | ||
| Average total assets | $270,837,000 | 2,334 |
| Average earning assets | $250,612,000 | 2,298 |
| Average equity | $29,326,400 | 2,246 |
| Average total loans | $224,242,200 | 1,843 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1450% | 2,406 |
| Cost of funding earning assets | 1.0468% | 3,339 |
| Net interest margin | 4.0982% | 2,487 |
| Noninterest income to average assets | 1.4290% | 643 |
| Noninterest expense to average assets | 2.7050% | 4,703 |
| Loan and lease loss provision to assets | 0.3466% | 2,802 |
| Net operating income to assets | 1.5715% | 814 |
| Return on assets (ROA) | 1.5744% | 885 |
| Pretax return on assets | 2.1866% | 440 |
| Return on Equity (ROE) | 14.6051% | 920 |
| Retained earnings to average equity (ytd only) | 14.6051% | 255 |
| Net charge-offs to loans | 0.1839% | 4,329 |
| Credit loss provision to net charge-offs | 228.0000% | 1,249 |
| Earnings coverage of net charge-offs (x) | 16.6367% | 1,390 |
| Efficiency ratio | 51.6797% | 6,710 |
| Assets per employee ($millions) | 5.0872% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 5,268 |
| Loan loss allowance to noncurrent loans | 31.8621% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 4.3108% | 1,402 |
| Noncurrent loans to loans | 3.9114% | 1,702 |
| Net loans and leases to total assets | 81.3339% | 407 |
| Net loans and leases to deposits | 97.1648% | 624 |
| Net loans and leases to core deposits | 106.9322% | 812 |
| Total domestic deposits to total assets | 83.7072% | 4,370 |
| Equity capital to assets | 10.7128% | 3,457 |
| Core capital (leverage) ratio | 10.5639% | 2,798 |
| Tier 1 risk-based capital ratio | 16.4803% | 2,873 |
| Total risk-based capital ratio | 17.7343% | 2,833 |
| Memoranda: | ||
| Average total assets | $263,113,750 | 2,414 |
| Average earning assets | $244,294,750 | 2,364 |
| Average equity | $28,363,750 | 2,309 |
| Average total loans | $217,480,000 | 1,899 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 2,382 |
| Cost of funding earning assets | 1.0752% | 3,424 |
| Net interest margin | 4.0934% | 2,436 |
| Noninterest income to average assets | 1.7794% | 432 |
| Noninterest expense to average assets | 2.7510% | 4,626 |
| Loan and lease loss provision to assets | 0.3886% | 2,469 |
| Net operating income to assets | 1.8516% | 441 |
| Return on assets (ROA) | 1.8565% | 466 |
| Pretax return on assets | 2.4523% | 266 |
| Return on Equity (ROE) | 17.1777% | 534 |
| Retained earnings to average equity (ytd only) | 17.1777% | 159 |
| Net charge-offs to loans | 0.4676% | 2,708 |
| Credit loss provision to net charge-offs | 100.4149% | 3,092 |
| Earnings coverage of net charge-offs (x) | 7.3237% | 2,245 |
| Efficiency ratio | 49.2524% | 6,988 |
| Assets per employee ($millions) | 5.2062% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 5,995 |
| Loan loss allowance to noncurrent loans | 18.9554% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 5.4479% | 1,089 |
| Noncurrent loans to loans | 5.7552% | 1,066 |
| Net loans and leases to total assets | 81.2007% | 433 |
| Net loans and leases to deposits | 96.0035% | 719 |
| Net loans and leases to core deposits | 106.2623% | 916 |
| Total domestic deposits to total assets | 84.5810% | 4,085 |
| Equity capital to assets | 10.3765% | 3,657 |
| Core capital (leverage) ratio | 11.1875% | 2,122 |
| Tier 1 risk-based capital ratio | 15.8571% | 3,053 |
| Total risk-based capital ratio | 17.1110% | 3,026 |
| Memoranda: | ||
| Average total assets | $249,074,000 | 2,563 |
| Average earning assets | $231,595,000 | 2,508 |
| Average equity | $26,918,670 | 2,392 |
| Average total loans | $206,176,330 | 2,032 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2701% | 1,978 |
| Cost of funding earning assets | 1.0161% | 4,080 |
| Net interest margin | 4.2540% | 1,733 |
| Noninterest income to average assets | 0.7763% | 2,127 |
| Noninterest expense to average assets | 2.4433% | 5,757 |
| Loan and lease loss provision to assets | 0.4145% | 2,118 |
| Net operating income to assets | 1.1380% | 1,707 |
| Return on assets (ROA) | 1.1380% | 1,752 |
| Pretax return on assets | 1.8761% | 711 |
| Return on Equity (ROE) | 10.2449% | 2,013 |
| Retained earnings to average equity (ytd only) | 10.2449% | 1,065 |
| Net charge-offs to loans | 0.5066% | 2,211 |
| Credit loss provision to net charge-offs | 98.2759% | 2,780 |
| Earnings coverage of net charge-offs (x) | 5.4310% | 2,281 |
| Efficiency ratio | 51.6129% | 6,885 |
| Assets per employee ($millions) | 5.1974% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 4,215 |
| Loan loss allowance to noncurrent loans | 41.2658% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 3.8284% | 1,753 |
| Noncurrent loans to loans | 3.6344% | 2,043 |
| Net loans and leases to total assets | 82.5879% | 300 |
| Net loans and leases to deposits | 96.8555% | 629 |
| Net loans and leases to core deposits | 110.0300% | 718 |
| Total domestic deposits to total assets | 85.2692% | 3,903 |
| Equity capital to assets | 11.3417% | 2,384 |
| Core capital (leverage) ratio | 11.2065% | 2,027 |
| Tier 1 risk-based capital ratio | 16.7865% | 2,549 |
| Total risk-based capital ratio | 18.0451% | 2,518 |
| Memoranda: | ||
| Average total assets | $220,028,000 | 2,883 |
| Average earning assets | $204,703,500 | 2,841 |
| Average equity | $24,441,500 | 2,604 |
| Average total loans | $183,178,500 | 2,274 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4884% | 2,339 |
| Cost of funding earning assets | 1.2211% | 4,416 |
| Net interest margin | 4.2673% | 1,931 |
| Noninterest income to average assets | 0.6132% | 3,388 |
| Noninterest expense to average assets | 2.2991% | 6,361 |
| Loan and lease loss provision to assets | 0.5405% | 2,986 |
| Net operating income to assets | 1.0703% | 1,801 |
| Return on assets (ROA) | 1.0700% | 1,893 |
| Pretax return on assets | 1.7696% | 811 |
| Return on Equity (ROE) | 10.1330% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.1330% | 499 |
| Net charge-offs to loans | 0.2128% | 5,012 |
| Credit loss provision to net charge-offs | 305.9896% | 870 |
| Earnings coverage of net charge-offs (x) | 13.0807% | 1,444 |
| Efficiency ratio | 49.8753% | 7,134 |
| Assets per employee ($millions) | 5.5441% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 4,016 |
| Loan loss allowance to noncurrent loans | 45.5434% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 3.4032% | 2,053 |
| Noncurrent loans to loans | 3.2924% | 2,301 |
| Net loans and leases to total assets | 81.4290% | 498 |
| Net loans and leases to deposits | 94.2947% | 1,035 |
| Net loans and leases to core deposits | 107.8211% | 1,063 |
| Total domestic deposits to total assets | 86.3558% | 3,163 |
| Equity capital to assets | 10.8786% | 2,794 |
| Core capital (leverage) ratio | 10.7467% | 2,353 |
| Tier 1 risk-based capital ratio | 16.0105% | 2,746 |
| Total risk-based capital ratio | 17.2678% | 2,698 |
| Memoranda: | ||
| Average total assets | $217,391,400 | 2,903 |
| Average earning assets | $203,594,000 | 2,825 |
| Average equity | $22,954,600 | 2,769 |
| Average total loans | $180,423,200 | 2,351 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5208% | 2,349 |
| Cost of funding earning assets | 1.2609% | 4,489 |
| Net interest margin | 4.2598% | 1,994 |
| Noninterest income to average assets | 0.5073% | 4,123 |
| Noninterest expense to average assets | 2.2481% | 6,472 |
| Loan and lease loss provision to assets | 0.5350% | 2,800 |
| Net operating income to assets | 1.0156% | 2,181 |
| Return on assets (ROA) | 1.0152% | 2,300 |
| Pretax return on assets | 1.7198% | 1,074 |
| Return on Equity (ROE) | 9.6900% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.6900% | 868 |
| Net charge-offs to loans | 0.1758% | 4,909 |
| Credit loss provision to net charge-offs | 366.2447% | 843 |
| Earnings coverage of net charge-offs (x) | 15.4389% | 1,442 |
| Efficiency ratio | 49.9179% | 7,161 |
| Assets per employee ($millions) | 5.6756% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 4,337 |
| Loan loss allowance to noncurrent loans | 39.1976% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 3.5690% | 1,994 |
| Noncurrent loans to loans | 3.6336% | 2,151 |
| Net loans and leases to total assets | 80.9514% | 625 |
| Net loans and leases to deposits | 94.6532% | 1,134 |
| Net loans and leases to core deposits | 107.7629% | 1,183 |
| Total domestic deposits to total assets | 85.5243% | 3,332 |
| Equity capital to assets | 10.6158% | 3,393 |
| Core capital (leverage) ratio | 10.6393% | 2,558 |
| Tier 1 risk-based capital ratio | 16.0550% | 2,733 |
| Total risk-based capital ratio | 17.3119% | 2,684 |
| Memoranda: | ||
| Average total assets | $216,298,000 | 2,959 |
| Average earning assets | $202,913,250 | 2,883 |
| Average equity | $22,662,000 | 2,848 |
| Average total loans | $179,696,500 | 2,395 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4571% | 2,717 |
| Cost of funding earning assets | 1.3009% | 4,535 |
| Net interest margin | 4.1562% | 2,307 |
| Noninterest income to average assets | 0.5591% | 3,637 |
| Noninterest expense to average assets | 2.2860% | 6,390 |
| Loan and lease loss provision to assets | 0.5125% | 2,753 |
| Net operating income to assets | 1.0005% | 2,202 |
| Return on assets (ROA) | 0.9999% | 2,280 |
| Pretax return on assets | 1.6867% | 1,077 |
| Return on Equity (ROE) | 9.5875% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.5875% | 947 |
| Net charge-offs to loans | 0.2257% | 4,246 |
| Credit loss provision to net charge-offs | 272.2772% | 1,380 |
| Earnings coverage of net charge-offs (x) | 11.6881% | 1,744 |
| Efficiency ratio | 50.9555% | 7,155 |
| Assets per employee ($millions) | 5.6644% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 5,065 |
| Loan loss allowance to noncurrent loans | 86.6592% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 2.1570% | 3,310 |
| Noncurrent loans to loans | 1.4702% | 4,500 |
| Net loans and leases to total assets | 80.8886% | 682 |
| Net loans and leases to deposits | 94.4980% | 1,208 |
| Net loans and leases to core deposits | 109.2764% | 1,215 |
| Total domestic deposits to total assets | 85.5982% | 3,318 |
| Equity capital to assets | 10.3716% | 3,557 |
| Core capital (leverage) ratio | 10.5087% | 2,626 |
| Tier 1 risk-based capital ratio | 14.5397% | 3,426 |
| Total risk-based capital ratio | 15.7928% | 3,386 |
| Memoranda: | ||
| Average total assets | $214,614,000 | 3,001 |
| Average earning assets | $202,781,000 | 2,903 |
| Average equity | $22,383,330 | 2,877 |
| Average total loans | $179,003,670 | 2,435 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4961% | 2,592 |
| Cost of funding earning assets | 1.3625% | 4,406 |
| Net interest margin | 4.1336% | 2,306 |
| Noninterest income to average assets | 0.7207% | 2,463 |
| Noninterest expense to average assets | 2.1583% | 6,787 |
| Loan and lease loss provision to assets | 0.5675% | 2,225 |
| Net operating income to assets | 1.1122% | 1,792 |
| Return on assets (ROA) | 1.1122% | 1,876 |
| Pretax return on assets | 1.9029% | 729 |
| Return on Equity (ROE) | 10.6334% | 1,895 |
| Retained earnings to average equity (ytd only) | 10.6334% | 1,003 |
| Net charge-offs to loans | 0.4539% | 2,686 |
| Credit loss provision to net charge-offs | 148.5149% | 2,402 |
| Earnings coverage of net charge-offs (x) | 6.4653% | 2,220 |
| Efficiency ratio | 46.6285% | 7,516 |
| Assets per employee ($millions) | 5.5497% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,748 |
| Loan loss allowance to noncurrent loans | 104.5778% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 2.3851% | 3,044 |
| Noncurrent loans to loans | 1.1043% | 5,146 |
| Net loans and leases to total assets | 83.4468% | 434 |
| Net loans and leases to deposits | 99.6450% | 782 |
| Net loans and leases to core deposits | 116.0733% | 945 |
| Total domestic deposits to total assets | 83.7441% | 4,266 |
| Equity capital to assets | 10.6354% | 3,112 |
| Core capital (leverage) ratio | 10.5379% | 2,583 |
| Tier 1 risk-based capital ratio | 14.5695% | 3,341 |
| Total risk-based capital ratio | 15.8206% | 3,304 |
| Memoranda: | ||
| Average total assets | $211,466,000 | 3,089 |
| Average earning assets | $199,922,500 | 3,001 |
| Average equity | $22,119,000 | 2,930 |
| Average total loans | $178,007,000 | 2,505 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8359% | 2,504 |
| Cost of funding earning assets | 1.9361% | 3,272 |
| Net interest margin | 3.8998% | 3,270 |
| Noninterest income to average assets | 0.7011% | 2,968 |
| Noninterest expense to average assets | 2.4461% | 6,316 |
| Loan and lease loss provision to assets | 0.5001% | 3,874 |
| Net operating income to assets | 0.8717% | 2,273 |
| Return on assets (ROA) | 0.8601% | 2,382 |
| Pretax return on assets | 1.4660% | 1,274 |
| Return on Equity (ROE) | 8.4517% | 2,215 |
| Retained earnings to average equity (ytd only) | 8.4517% | 599 |
| Net charge-offs to loans | 0.2100% | 5,313 |
| Credit loss provision to net charge-offs | 280.8219% | 1,208 |
| Earnings coverage of net charge-offs (x) | 11.1425% | 1,624 |
| Efficiency ratio | 55.2142% | 7,104 |
| Assets per employee ($millions) | 5.7309% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,900 |
| Loan loss allowance to noncurrent loans | 119.4631% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 4,243 |
| Noncurrent loans to loans | 0.9209% | 5,470 |
| Net loans and leases to total assets | 83.0114% | 541 |
| Net loans and leases to deposits | 97.3390% | 1,171 |
| Net loans and leases to core deposits | 137.2232% | 904 |
| Total domestic deposits to total assets | 85.2807% | 3,419 |
| Equity capital to assets | 10.2852% | 3,418 |
| Core capital (leverage) ratio | 10.4028% | 2,686 |
| Tier 1 risk-based capital ratio | 14.2328% | 3,357 |
| Total risk-based capital ratio | 15.4835% | 3,311 |
| Memoranda: | ||
| Average total assets | $204,976,000 | 3,118 |
| Average earning assets | $196,012,400 | 3,018 |
| Average equity | $20,859,800 | 3,089 |
| Average total loans | $173,835,400 | 2,587 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8811% | 2,527 |
| Cost of funding earning assets | 2.0531% | 3,106 |
| Net interest margin | 3.8280% | 3,537 |
| Noninterest income to average assets | 0.6804% | 3,155 |
| Noninterest expense to average assets | 2.3115% | 6,667 |
| Loan and lease loss provision to assets | 0.4593% | 3,615 |
| Net operating income to assets | 0.9210% | 2,339 |
| Return on assets (ROA) | 0.9054% | 2,472 |
| Pretax return on assets | 1.5517% | 1,275 |
| Return on Equity (ROE) | 8.9221% | 2,291 |
| Retained earnings to average equity (ytd only) | 8.9221% | 862 |
| Net charge-offs to loans | 0.2446% | 4,518 |
| Credit loss provision to net charge-offs | 220.8202% | 1,986 |
| Earnings coverage of net charge-offs (x) | 9.7854% | 2,058 |
| Efficiency ratio | 53.1774% | 7,322 |
| Assets per employee ($millions) | 5.3834% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 6,461 |
| Loan loss allowance to noncurrent loans | 73.3101% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.7417% | 3,752 |
| Noncurrent loans to loans | 1.3181% | 4,736 |
| Net loans and leases to total assets | 84.2138% | 515 |
| Net loans and leases to deposits | 94.3208% | 1,827 |
| Net loans and leases to core deposits | 134.8622% | 1,158 |
| Total domestic deposits to total assets | 89.2844% | 1,065 |
| Equity capital to assets | 10.4790% | 3,538 |
| Core capital (leverage) ratio | 10.3486% | 2,928 |
| Tier 1 risk-based capital ratio | 14.5377% | 3,256 |
| Total risk-based capital ratio | 15.6889% | 3,255 |
| Memoranda: | ||
| Average total assets | $203,209,500 | 3,168 |
| Average earning assets | $194,628,750 | 3,062 |
| Average equity | $20,622,500 | 3,155 |
| Average total loans | $172,800,000 | 2,624 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9658% | 2,321 |
| Cost of funding earning assets | 2.1496% | 3,047 |
| Net interest margin | 3.8162% | 3,481 |
| Noninterest income to average assets | 0.6579% | 3,283 |
| Noninterest expense to average assets | 2.3338% | 6,664 |
| Loan and lease loss provision to assets | 0.5425% | 2,856 |
| Net operating income to assets | 0.8381% | 2,709 |
| Return on assets (ROA) | 0.8621% | 2,705 |
| Pretax return on assets | 1.4737% | 1,516 |
| Return on Equity (ROE) | 8.5893% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.5893% | 1,045 |
| Net charge-offs to loans | 0.2946% | 3,714 |
| Credit loss provision to net charge-offs | 216.5354% | 2,126 |
| Earnings coverage of net charge-offs (x) | 7.8976% | 2,365 |
| Efficiency ratio | 54.1171% | 7,317 |
| Assets per employee ($millions) | 5.5956% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 6,592 |
| Loan loss allowance to noncurrent loans | 96.3142% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.5688% | 3,876 |
| Noncurrent loans to loans | 0.9782% | 5,259 |
| Net loans and leases to total assets | 80.9518% | 1,148 |
| Net loans and leases to deposits | 90.1158% | 2,818 |
| Net loans and leases to core deposits | 130.4156% | 1,530 |
| Total domestic deposits to total assets | 89.8309% | 899 |
| Equity capital to assets | 10.0566% | 3,864 |
| Core capital (leverage) ratio | 10.2237% | 3,067 |
| Tier 1 risk-based capital ratio | 14.3164% | 3,347 |
| Total risk-based capital ratio | 15.4227% | 3,357 |
| Memoranda: | ||
| Average total assets | $202,755,670 | 3,196 |
| Average earning assets | $194,172,330 | 3,087 |
| Average equity | $20,351,000 | 3,193 |
| Average total loans | $172,414,000 | 2,658 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9519% | 2,557 |
| Cost of funding earning assets | 2.2582% | 2,891 |
| Net interest margin | 3.6937% | 3,916 |
| Noninterest income to average assets | 0.6021% | 3,532 |
| Noninterest expense to average assets | 2.2252% | 6,784 |
| Loan and lease loss provision to assets | 0.5982% | 2,104 |
| Net operating income to assets | 0.7776% | 3,223 |
| Return on assets (ROA) | 0.7776% | 3,394 |
| Pretax return on assets | 1.3239% | 2,201 |
| Return on Equity (ROE) | 7.7550% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.7550% | 1,903 |
| Net charge-offs to loans | 0.0942% | 4,234 |
| Credit loss provision to net charge-offs | 731.7073% | 826 |
| Earnings coverage of net charge-offs (x) | 23.5122% | 1,274 |
| Efficiency ratio | 53.6538% | 7,256 |
| Assets per employee ($millions) | 5.6590% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 6,733 |
| Loan loss allowance to noncurrent loans | 49.9038% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.9968% | 2,910 |
| Noncurrent loans to loans | 1.8088% | 3,553 |
| Net loans and leases to total assets | 86.3029% | 404 |
| Net loans and leases to deposits | 98.9133% | 1,548 |
| Net loans and leases to core deposits | 147.9099% | 782 |
| Total domestic deposits to total assets | 87.2511% | 2,091 |
| Equity capital to assets | 10.2467% | 3,714 |
| Core capital (leverage) ratio | 9.9998% | 3,415 |
| Tier 1 risk-based capital ratio | 13.9509% | 3,620 |
| Total risk-based capital ratio | 15.0312% | 3,630 |
| Memoranda: | ||
| Average total assets | $200,614,500 | 3,234 |
| Average earning assets | $192,544,500 | 3,119 |
| Average equity | $20,116,000 | 3,243 |
| Average total loans | $174,023,500 | 2,668 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5951% | 2,513 |
| Cost of funding earning assets | 2.9129% | 2,208 |
| Net interest margin | 3.6822% | 4,539 |
| Noninterest income to average assets | 0.8171% | 2,419 |
| Noninterest expense to average assets | 2.1692% | 7,057 |
| Loan and lease loss provision to assets | 0.4220% | 3,169 |
| Net operating income to assets | 1.0311% | 2,427 |
| Return on assets (ROA) | 1.0210% | 2,357 |
| Pretax return on assets | 1.7121% | 1,118 |
| Return on Equity (ROE) | 10.5696% | 2,061 |
| Retained earnings to average equity (ytd only) | 10.5696% | 383 |
| Net charge-offs to loans | 0.4779% | 2,444 |
| Credit loss provision to net charge-offs | 103.7500% | 5,153 |
| Earnings coverage of net charge-offs (x) | 5.2850% | 3,698 |
| Efficiency ratio | 50.2237% | 7,649 |
| Assets per employee ($millions) | 5.6435% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7394% | 7,331 |
| Loan loss allowance to noncurrent loans | 47.5632% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 1.7916% | 2,737 |
| Noncurrent loans to loans | 1.5545% | 3,462 |
| Net loans and leases to total assets | 85.7712% | 626 |
| Net loans and leases to deposits | 98.8563% | 2,001 |
| Net loans and leases to core deposits | 150.7740% | 827 |
| Total domestic deposits to total assets | 86.7635% | 2,058 |
| Equity capital to assets | 9.8132% | 4,275 |
| Core capital (leverage) ratio | 9.8327% | 3,607 |
| Tier 1 risk-based capital ratio | 13.4686% | 3,841 |
| Total risk-based capital ratio | 14.3524% | 3,965 |
| Memoranda: | ||
| Average total assets | $196,661,000 | 3,183 |
| Average earning assets | $187,033,000 | 3,084 |
| Average equity | $18,997,800 | 3,395 |
| Average total loans | $167,388,200 | 2,659 |