Home > Baraboo State Bank > Performance and Condition Ratios
Baraboo State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 3,123 |
| Cost of funding earning assets | 1.7570% | 2,568 |
| Net interest margin | 3.2417% | 2,906 |
| Noninterest income to average assets | 0.5200% | 1,653 |
| Noninterest expense to average assets | 2.2987% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0299% | 2,198 |
| Return on assets (ROA) | 1.0299% | 2,193 |
| Pretax return on assets | 1.2989% | 1,974 |
| Return on Equity (ROE) | 9.4400% | 2,488 |
| Retained earnings to average equity (ytd only) | 4.2349% | 2,793 |
| Net charge-offs to loans | -0.0135% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.8957% | 2,486 |
| Assets per employee ($millions) | 6.0202% | 2,916 |
| Cash dividends to net income (ytd only)* | 55.1601% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9793% | 403 |
| Loan loss allowance to noncurrent loans | 8,106.1538% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,675 |
| Noncurrent loans to loans | 0.0244% | 3,591 |
| Net loans and leases to total assets | 48.1600% | 3,657 |
| Net loans and leases to deposits | 55.7417% | 3,665 |
| Net loans and leases to core deposits | 60.8670% | 3,661 |
| Total domestic deposits to total assets | 86.4000% | 2,151 |
| Equity capital to assets | 11.1087% | 1,610 |
| Core capital (leverage) ratio | 11.0244% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4210% | 627 |
| Memoranda: | ||
| Average total assets | $545,691,500 | 1,671 |
| Average earning assets | $517,255,000 | 1,649 |
| Average equity | $59,506,000 | 1,556 |
| Average total loans | $267,107,500 | 2,017 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9621% | 3,158 |
| Cost of funding earning assets | 1.6393% | 3,083 |
| Net interest margin | 3.3228% | 2,455 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 2.5665% | 2,120 |
| Loan and lease loss provision to assets | -0.2000% | 4,425 |
| Net operating income to assets | 1.0782% | 1,817 |
| Return on assets (ROA) | 0.9514% | 2,213 |
| Pretax return on assets | 1.1792% | 2,033 |
| Return on Equity (ROE) | 8.5500% | 2,586 |
| Retained earnings to average equity (ytd only) | 5.7878% | 1,910 |
| Net charge-offs to loans | -0.0150% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 69.2369% | 2,094 |
| Assets per employee ($millions) | 6.0392% | 2,856 |
| Cash dividends to net income (ytd only)* | 32.3409% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9802% | 383 |
| Loan loss allowance to noncurrent loans | 8,164.6154% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,663 |
| Noncurrent loans to loans | 0.0243% | 3,574 |
| Net loans and leases to total assets | 47.8000% | 3,735 |
| Net loans and leases to deposits | 55.6794% | 3,730 |
| Net loans and leases to core deposits | 60.6685% | 3,726 |
| Total domestic deposits to total assets | 85.8500% | 2,268 |
| Equity capital to assets | 10.7035% | 1,721 |
| Core capital (leverage) ratio | 11.1243% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9175% | 676 |
| Memoranda: | ||
| Average total assets | $511,862,000 | 1,746 |
| Average earning assets | $482,960,200 | 1,715 |
| Average equity | $56,930,200 | 1,558 |
| Average total loans | $267,026,400 | 1,987 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 3,083 |
| Cost of funding earning assets | 1.5966% | 3,178 |
| Net interest margin | 3.3712% | 2,299 |
| Noninterest income to average assets | 0.5800% | 1,541 |
| Noninterest expense to average assets | 2.5101% | 2,220 |
| Loan and lease loss provision to assets | -0.2700% | 4,469 |
| Net operating income to assets | 1.2095% | 1,494 |
| Return on assets (ROA) | 1.0394% | 1,943 |
| Pretax return on assets | 1.3024% | 1,761 |
| Return on Equity (ROE) | 9.2500% | 2,405 |
| Retained earnings to average equity (ytd only) | 7.3612% | 1,613 |
| Net charge-offs to loans | -0.0135% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 66.7631% | 2,394 |
| Assets per employee ($millions) | 5.6828% | 3,127 |
| Cash dividends to net income (ytd only)* | 20.4238% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 390 |
| Loan loss allowance to noncurrent loans | 7,865.6716% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,694 |
| Noncurrent loans to loans | 0.0254% | 3,627 |
| Net loans and leases to total assets | 48.9500% | 3,680 |
| Net loans and leases to deposits | 57.4289% | 3,693 |
| Net loans and leases to core deposits | 61.2968% | 3,745 |
| Total domestic deposits to total assets | 85.2400% | 2,219 |
| Equity capital to assets | 11.2688% | 1,588 |
| Core capital (leverage) ratio | 11.6554% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0274% | 682 |
| Memoranda: | ||
| Average total assets | $502,436,000 | 1,759 |
| Average earning assets | $473,408,500 | 1,735 |
| Average equity | $56,457,000 | 1,561 |
| Average total loans | $266,780,750 | 1,978 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 3,054 |
| Cost of funding earning assets | 1.5521% | 3,173 |
| Net interest margin | 3.3878% | 2,208 |
| Noninterest income to average assets | 0.5700% | 1,568 |
| Noninterest expense to average assets | 2.5867% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9519% | 2,146 |
| Return on assets (ROA) | 0.9519% | 2,145 |
| Pretax return on assets | 1.1804% | 1,984 |
| Return on Equity (ROE) | 8.4800% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.5856% | 1,785 |
| Net charge-offs to loans | -0.0105% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 68.6667% | 2,261 |
| Assets per employee ($millions) | 5.2999% | 3,374 |
| Cash dividends to net income (ytd only)* | 22.3404% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3899% | 253 |
| Loan loss allowance to noncurrent loans | 8,742.2535% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,651 |
| Noncurrent loans to loans | 0.0273% | 3,578 |
| Net loans and leases to total assets | 51.4300% | 3,572 |
| Net loans and leases to deposits | 59.3733% | 3,604 |
| Net loans and leases to core deposits | 62.7654% | 3,667 |
| Total domestic deposits to total assets | 86.6300% | 1,778 |
| Equity capital to assets | 11.4409% | 1,372 |
| Core capital (leverage) ratio | 11.9117% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2961% | 659 |
| Memoranda: | ||
| Average total assets | $493,749,333 | 1,777 |
| Average earning assets | $465,549,333 | 1,753 |
| Average equity | $55,424,333 | 1,564 |
| Average total loans | $267,710,667 | 1,975 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 3,038 |
| Cost of funding earning assets | 1.5304% | 3,126 |
| Net interest margin | 3.3379% | 2,254 |
| Noninterest income to average assets | 0.5700% | 1,470 |
| Noninterest expense to average assets | 2.4712% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9996% | 1,934 |
| Return on assets (ROA) | 0.9996% | 1,942 |
| Pretax return on assets | 1.2449% | 1,783 |
| Return on Equity (ROE) | 8.9900% | 2,394 |
| Retained earnings to average equity (ytd only) | 7.1713% | 1,779 |
| Net charge-offs to loans | -0.0044% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 66.4997% | 2,557 |
| Assets per employee ($millions) | 5.1760% | 3,529 |
| Cash dividends to net income (ytd only)* | 20.2429% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3056% | 247 |
| Loan loss allowance to noncurrent loans | 9,079.7101% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,695 |
| Noncurrent loans to loans | 0.0254% | 3,596 |
| Net loans and leases to total assets | 54.5600% | 3,300 |
| Net loans and leases to deposits | 62.9296% | 3,348 |
| Net loans and leases to core deposits | 66.0150% | 3,516 |
| Total domestic deposits to total assets | 86.7000% | 1,876 |
| Equity capital to assets | 11.3888% | 1,351 |
| Core capital (leverage) ratio | 11.6808% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2365% | 773 |
| Memoranda: | ||
| Average total assets | $494,179,000 | 1,781 |
| Average earning assets | $466,279,500 | 1,751 |
| Average equity | $54,941,000 | 1,565 |
| Average total loans | $271,705,500 | 1,956 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 3,054 |
| Cost of funding earning assets | 1.1099% | 3,041 |
| Net interest margin | 3.4126% | 2,378 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.5400% | 2,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9952% | 2,235 |
| Return on assets (ROA) | 0.8650% | 2,629 |
| Pretax return on assets | 1.0844% | 2,454 |
| Return on Equity (ROE) | 8.5700% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.5968% | 1,671 |
| Net charge-offs to loans | -0.0210% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.0701% | 2,223 |
| Assets per employee ($millions) | 5.2273% | 3,452 |
| Cash dividends to net income (ytd only)* | 11.3714% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3049% | 246 |
| Loan loss allowance to noncurrent loans | 8,945.7143% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,669 |
| Noncurrent loans to loans | 0.0258% | 3,560 |
| Net loans and leases to total assets | 52.8900% | 3,421 |
| Net loans and leases to deposits | 60.5992% | 3,487 |
| Net loans and leases to core deposits | 63.1430% | 3,634 |
| Total domestic deposits to total assets | 87.2800% | 1,596 |
| Equity capital to assets | 10.8547% | 1,555 |
| Core capital (leverage) ratio | 11.1478% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9066% | 803 |
| Memoranda: | ||
| Average total assets | $508,305,600 | 1,709 |
| Average earning assets | $477,698,000 | 1,692 |
| Average equity | $51,297,600 | 1,578 |
| Average total loans | $266,534,800 | 1,928 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 3,076 |
| Cost of funding earning assets | 0.9994% | 3,045 |
| Net interest margin | 3.4162% | 2,415 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.3705% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0187% | 2,310 |
| Return on assets (ROA) | 1.0187% | 2,295 |
| Pretax return on assets | 1.3855% | 1,809 |
| Return on Equity (ROE) | 10.2900% | 2,560 |
| Retained earnings to average equity (ytd only) | 9.4934% | 1,553 |
| Net charge-offs to loans | -0.0276% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.1117% | 2,606 |
| Assets per employee ($millions) | 5.4062% | 3,257 |
| Cash dividends to net income (ytd only)* | 7.7002% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2734% | 264 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 51.7800% | 3,512 |
| Net loans and leases to deposits | 58.7987% | 3,569 |
| Net loans and leases to core deposits | 61.0501% | 3,653 |
| Total domestic deposits to total assets | 88.0600% | 1,549 |
| Equity capital to assets | 10.1560% | 1,734 |
| Core capital (leverage) ratio | 11.1103% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0629% | 808 |
| Memoranda: | ||
| Average total assets | $509,927,500 | 1,713 |
| Average earning assets | $478,808,000 | 1,689 |
| Average equity | $50,504,250 | 1,585 |
| Average total loans | $265,248,500 | 1,937 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 3,008 |
| Cost of funding earning assets | 0.8886% | 2,963 |
| Net interest margin | 3.4568% | 2,370 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.3196% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0702% | 2,206 |
| Return on assets (ROA) | 1.0702% | 2,202 |
| Pretax return on assets | 1.4574% | 1,685 |
| Return on Equity (ROE) | 10.9000% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.6972% | 1,487 |
| Net charge-offs to loans | -0.0411% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.4136% | 2,788 |
| Assets per employee ($millions) | 5.2530% | 3,357 |
| Cash dividends to net income (ytd only)* | 11.0213% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3492% | 257 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 52.4700% | 3,372 |
| Net loans and leases to deposits | 59.6002% | 3,448 |
| Net loans and leases to core deposits | 61.4340% | 3,562 |
| Total domestic deposits to total assets | 88.0400% | 1,583 |
| Equity capital to assets | 10.1610% | 1,767 |
| Core capital (leverage) ratio | 11.1065% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4353% | 899 |
| Memoranda: | ||
| Average total assets | $508,706,667 | 1,706 |
| Average earning assets | $477,614,333 | 1,692 |
| Average equity | $49,952,333 | 1,597 |
| Average total loans | $262,963,000 | 1,942 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,886 |
| Cost of funding earning assets | 0.7588% | 2,875 |
| Net interest margin | 3.5069% | 2,344 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.3096% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0992% | 2,230 |
| Return on assets (ROA) | 1.0992% | 2,197 |
| Pretax return on assets | 1.4985% | 1,676 |
| Return on Equity (ROE) | 11.3900% | 2,375 |
| Retained earnings to average equity (ytd only) | 8.9560% | 1,965 |
| Net charge-offs to loans | -0.0850% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.6497% | 2,868 |
| Assets per employee ($millions) | 5.3046% | 3,414 |
| Cash dividends to net income (ytd only)* | 21.3675% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4418% | 234 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 50.4800% | 3,449 |
| Net loans and leases to deposits | 57.1771% | 3,496 |
| Net loans and leases to core deposits | 59.3096% | 3,574 |
| Total domestic deposits to total assets | 88.2800% | 1,826 |
| Equity capital to assets | 9.9379% | 1,853 |
| Core capital (leverage) ratio | 10.6394% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3554% | 937 |
| Memoranda: | ||
| Average total assets | $510,915,500 | 1,719 |
| Average earning assets | $480,768,500 | 1,702 |
| Average equity | $49,308,000 | 1,631 |
| Average total loans | $258,952,000 | 1,980 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1845% | 3,842 |
| Cost of funding earning assets | 0.3091% | 2,799 |
| Net interest margin | 2.8753% | 3,740 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.2448% | 2,910 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 0.9460% | 2,787 |
| Return on assets (ROA) | 0.7511% | 3,417 |
| Pretax return on assets | 1.0220% | 3,010 |
| Return on Equity (ROE) | 8.1500% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.4871% | 2,453 |
| Net charge-offs to loans | -0.0518% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.5768% | 2,011 |
| Assets per employee ($millions) | 5.5095% | 3,209 |
| Cash dividends to net income (ytd only)* | 20.4238% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4546% | 221 |
| Loan loss allowance to noncurrent loans | 13,150.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,804 |
| Noncurrent loans to loans | 0.0187% | 3,690 |
| Net loans and leases to total assets | 48.4400% | 3,640 |
| Net loans and leases to deposits | 54.5428% | 3,647 |
| Net loans and leases to core deposits | 55.8720% | 3,723 |
| Total domestic deposits to total assets | 88.8000% | 1,780 |
| Equity capital to assets | 9.3717% | 2,094 |
| Core capital (leverage) ratio | 10.1909% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1747% | 958 |
| Memoranda: | ||
| Average total assets | $521,514,200 | 1,674 |
| Average earning assets | $491,384,200 | 1,652 |
| Average equity | $48,049,400 | 1,672 |
| Average total loans | $253,131,200 | 1,917 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8876% | 4,078 |
| Cost of funding earning assets | 0.2418% | 2,795 |
| Net interest margin | 2.6459% | 4,031 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.1734% | 2,998 |
| Loan and lease loss provision to assets | -0.2600% | 4,695 |
| Net operating income to assets | 0.8846% | 2,943 |
| Return on assets (ROA) | 0.8846% | 2,913 |
| Pretax return on assets | 1.2074% | 2,339 |
| Return on Equity (ROE) | 9.6400% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.2511% | 1,910 |
| Net charge-offs to loans | -0.0693% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.5354% | 1,818 |
| Assets per employee ($millions) | 5.6944% | 3,039 |
| Cash dividends to net income (ytd only)* | 14.4259% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6038% | 209 |
| Loan loss allowance to noncurrent loans | 2,991.4692% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,500 |
| Noncurrent loans to loans | 0.0870% | 3,255 |
| Net loans and leases to total assets | 45.0700% | 3,813 |
| Net loans and leases to deposits | 50.5182% | 3,817 |
| Net loans and leases to core deposits | 51.3466% | 3,885 |
| Total domestic deposits to total assets | 89.2100% | 1,995 |
| Equity capital to assets | 9.0127% | 2,207 |
| Core capital (leverage) ratio | 10.1980% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0209% | 861 |
| Memoranda: | ||
| Average total assets | $522,420,250 | 1,687 |
| Average earning assets | $492,431,000 | 1,661 |
| Average equity | $47,928,000 | 1,693 |
| Average total loans | $252,125,500 | 1,930 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6122% | 4,265 |
| Cost of funding earning assets | 0.2055% | 2,845 |
| Net interest margin | 2.4068% | 4,221 |
| Noninterest income to average assets | 0.6691% | 1,467 |
| Noninterest expense to average assets | 2.1328% | 3,055 |
| Loan and lease loss provision to assets | -0.3832% | 4,739 |
| Net operating income to assets | 0.8714% | 2,694 |
| Return on assets (ROA) | 0.8714% | 2,668 |
| Pretax return on assets | 1.1906% | 2,107 |
| Return on Equity (ROE) | 9.4425% | 2,548 |
| Retained earnings to average equity (ytd only) | 7.9891% | 1,623 |
| Net charge-offs to loans | -0.0744% | 4,371 |
| Credit loss provision to net charge-offs | 1,052.6316% | 385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5401% | 1,686 |
| Assets per employee ($millions) | 5.4399% | 3,282 |
| Cash dividends to net income (ytd only)* | 15.3914% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2541% | 347 |
| Loan loss allowance to noncurrent loans | 2,037.6623% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,378 |
| Noncurrent loans to loans | 0.1106% | 3,192 |
| Net loans and leases to total assets | 53.2208% | 3,042 |
| Net loans and leases to deposits | 59.7705% | 3,066 |
| Net loans and leases to core deposits | 60.8201% | 3,210 |
| Total domestic deposits to total assets | 89.0419% | 2,166 |
| Equity capital to assets | 9.1544% | 2,276 |
| Core capital (leverage) ratio | 10.0650% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2872% | 1,125 |
| Memoranda: | ||
| Average total assets | $521,932,667 | 1,692 |
| Average earning assets | $492,528,333 | 1,674 |
| Average equity | $48,165,333 | 1,726 |
| Average total loans | $255,363,333 | 1,921 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4038% | 4,377 |
| Cost of funding earning assets | 0.2013% | 2,782 |
| Net interest margin | 2.2025% | 4,346 |
| Noninterest income to average assets | 0.7025% | 1,309 |
| Noninterest expense to average assets | 2.0469% | 3,310 |
| Loan and lease loss provision to assets | -0.7587% | 4,776 |
| Net operating income to assets | 1.0940% | 1,543 |
| Return on assets (ROA) | 1.0940% | 1,540 |
| Pretax return on assets | 1.4977% | 1,025 |
| Return on Equity (ROE) | 11.8094% | 1,380 |
| Retained earnings to average equity (ytd only) | 10.5809% | 879 |
| Net charge-offs to loans | -0.0902% | 4,428 |
| Credit loss provision to net charge-offs | 1,818.1818% | 228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4749% | 1,800 |
| Assets per employee ($millions) | 5.6866% | 3,137 |
| Cash dividends to net income (ytd only)* | 10.4022% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6012% | 258 |
| Loan loss allowance to noncurrent loans | 1,732.2222% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,372 |
| Noncurrent loans to loans | 0.1502% | 3,054 |
| Net loans and leases to total assets | 44.6318% | 3,693 |
| Net loans and leases to deposits | 50.1092% | 3,724 |
| Net loans and leases to core deposits | 51.3928% | 3,774 |
| Total domestic deposits to total assets | 89.0689% | 2,050 |
| Equity capital to assets | 9.1379% | 2,592 |
| Core capital (leverage) ratio | 9.6729% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4524% | 834 |
| Memoranda: | ||
| Average total assets | $527,224,500 | 1,692 |
| Average earning assets | $498,713,000 | 1,671 |
| Average equity | $48,842,500 | 1,767 |
| Average total loans | $243,835,000 | 1,966 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8850% | 4,081 |
| Cost of funding earning assets | 0.3079% | 2,322 |
| Net interest margin | 2.5771% | 4,085 |
| Noninterest income to average assets | 0.8575% | 1,309 |
| Noninterest expense to average assets | 2.3732% | 2,576 |
| Loan and lease loss provision to assets | -0.0395% | 4,310 |
| Net operating income to assets | 0.7026% | 3,622 |
| Return on assets (ROA) | 0.7026% | 3,677 |
| Pretax return on assets | 0.9569% | 3,368 |
| Return on Equity (ROE) | 7.2106% | 3,456 |
| Retained earnings to average equity (ytd only) | 5.8922% | 2,409 |
| Net charge-offs to loans | -0.0626% | 4,424 |
| Credit loss provision to net charge-offs | 114.9425% | 1,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1201% | 1,501 |
| Assets per employee ($millions) | 5.6519% | 3,116 |
| Cash dividends to net income (ytd only)* | 18.2841% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8963% | 165 |
| Loan loss allowance to noncurrent loans | 1,956.6757% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,479 |
| Noncurrent loans to loans | 0.1480% | 3,198 |
| Net loans and leases to total assets | 45.3157% | 3,740 |
| Net loans and leases to deposits | 51.0030% | 3,801 |
| Net loans and leases to core deposits | 52.2611% | 3,875 |
| Total domestic deposits to total assets | 88.8492% | 1,597 |
| Equity capital to assets | 9.3883% | 3,237 |
| Core capital (leverage) ratio | 9.5209% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1631% | 870 |
| Memoranda: | ||
| Average total assets | $505,990,200 | 1,684 |
| Average earning assets | $477,707,600 | 1,666 |
| Average equity | $49,302,600 | 1,791 |
| Average total loans | $278,094,800 | 1,796 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0055% | 3,989 |
| Cost of funding earning assets | 0.3371% | 2,229 |
| Net interest margin | 2.6684% | 4,029 |
| Noninterest income to average assets | 0.8888% | 1,280 |
| Noninterest expense to average assets | 2.3239% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7938% | 3,534 |
| Return on assets (ROA) | 0.7938% | 3,605 |
| Pretax return on assets | 1.0826% | 3,235 |
| Return on Equity (ROE) | 8.0689% | 3,379 |
| Retained earnings to average equity (ytd only) | 6.8484% | 2,477 |
| Net charge-offs to loans | -0.0677% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2203% | 1,790 |
| Assets per employee ($millions) | 5.3840% | 3,315 |
| Cash dividends to net income (ytd only)* | 15.1261% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8883% | 172 |
| Loan loss allowance to noncurrent loans | 2,434.4371% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,720 |
| Noncurrent loans to loans | 0.1186% | 3,499 |
| Net loans and leases to total assets | 48.8424% | 3,541 |
| Net loans and leases to deposits | 55.3590% | 3,632 |
| Net loans and leases to core deposits | 56.3540% | 3,747 |
| Total domestic deposits to total assets | 88.2285% | 1,704 |
| Equity capital to assets | 9.8874% | 3,011 |
| Core capital (leverage) ratio | 9.7011% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2739% | 912 |
| Memoranda: | ||
| Average total assets | $499,668,000 | 1,712 |
| Average earning assets | $471,430,000 | 1,698 |
| Average equity | $49,158,750 | 1,814 |
| Average total loans | $285,635,000 | 1,792 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0688% | 3,926 |
| Cost of funding earning assets | 0.3596% | 2,237 |
| Net interest margin | 2.7091% | 3,961 |
| Noninterest income to average assets | 0.9491% | 1,158 |
| Noninterest expense to average assets | 2.3336% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8582% | 3,340 |
| Return on assets (ROA) | 0.8582% | 3,418 |
| Pretax return on assets | 1.1714% | 2,989 |
| Return on Equity (ROE) | 8.7384% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.3058% | 2,318 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5787% | 2,073 |
| Assets per employee ($millions) | 5.3701% | 3,268 |
| Cash dividends to net income (ytd only)* | 16.3934% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5383% | 266 |
| Loan loss allowance to noncurrent loans | 469.2057% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 2,394 |
| Noncurrent loans to loans | 0.5410% | 2,048 |
| Net loans and leases to total assets | 54.8192% | 3,040 |
| Net loans and leases to deposits | 63.0642% | 3,097 |
| Net loans and leases to core deposits | 64.0705% | 3,282 |
| Total domestic deposits to total assets | 86.9260% | 2,364 |
| Equity capital to assets | 9.8148% | 3,040 |
| Core capital (leverage) ratio | 9.6880% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4099% | 1,247 |
| Memoranda: | ||
| Average total assets | $497,525,000 | 1,721 |
| Average earning assets | $469,373,667 | 1,699 |
| Average equity | $48,865,000 | 1,806 |
| Average total loans | $295,999,333 | 1,764 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1380% | 3,808 |
| Cost of funding earning assets | 0.3782% | 2,282 |
| Net interest margin | 2.7598% | 3,851 |
| Noninterest income to average assets | 0.9597% | 1,205 |
| Noninterest expense to average assets | 2.3284% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9063% | 3,112 |
| Return on assets (ROA) | 0.9063% | 3,191 |
| Pretax return on assets | 1.2375% | 2,741 |
| Return on Equity (ROE) | 9.2240% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.9876% | 2,242 |
| Net charge-offs to loans | -0.0477% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2964% | 2,331 |
| Assets per employee ($millions) | 5.0344% | 3,616 |
| Cash dividends to net income (ytd only)* | 13.4048% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5041% | 259 |
| Loan loss allowance to noncurrent loans | 391.9372% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 2,248 |
| Noncurrent loans to loans | 0.6389% | 1,979 |
| Net loans and leases to total assets | 56.5805% | 2,971 |
| Net loans and leases to deposits | 65.1496% | 3,010 |
| Net loans and leases to core deposits | 66.6660% | 3,186 |
| Total domestic deposits to total assets | 86.8470% | 2,370 |
| Equity capital to assets | 9.8051% | 2,890 |
| Core capital (leverage) ratio | 9.6611% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8134% | 1,355 |
| Memoranda: | ||
| Average total assets | $493,894,000 | 1,719 |
| Average earning assets | $466,411,000 | 1,694 |
| Average equity | $48,525,500 | 1,802 |
| Average total loans | $302,035,500 | 1,733 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 3,266 |
| Cost of funding earning assets | 0.5463% | 2,632 |
| Net interest margin | 3.2657% | 3,168 |
| Noninterest income to average assets | 1.0322% | 989 |
| Noninterest expense to average assets | 2.9415% | 1,566 |
| Loan and lease loss provision to assets | 0.2024% | 1,940 |
| Net operating income to assets | 0.6846% | 3,482 |
| Return on assets (ROA) | 0.6846% | 3,610 |
| Pretax return on assets | 0.9421% | 3,246 |
| Return on Equity (ROE) | 6.4776% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.0522% | 1,773 |
| Net charge-offs to loans | -0.0692% | 4,739 |
| Credit loss provision to net charge-offs | -422.5352% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9914% | 1,684 |
| Assets per employee ($millions) | 4.9433% | 3,448 |
| Cash dividends to net income (ytd only)* | 6.5681% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2892% | 359 |
| Loan loss allowance to noncurrent loans | 365.0963% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 2,316 |
| Noncurrent loans to loans | 0.6270% | 2,126 |
| Net loans and leases to total assets | 62.8589% | 2,501 |
| Net loans and leases to deposits | 73.0952% | 2,581 |
| Net loans and leases to core deposits | 74.9533% | 2,822 |
| Total domestic deposits to total assets | 85.9960% | 2,369 |
| Equity capital to assets | 9.8455% | 3,268 |
| Core capital (leverage) ratio | 9.7434% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3296% | 1,731 |
| Memoranda: | ||
| Average total assets | $444,769,000 | 1,720 |
| Average earning assets | $415,897,000 | 1,715 |
| Average equity | $47,007,800 | 1,789 |
| Average total loans | $307,955,200 | 1,654 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 3,333 |
| Cost of funding earning assets | 0.5754% | 2,769 |
| Net interest margin | 3.3009% | 3,186 |
| Noninterest income to average assets | 1.0673% | 914 |
| Noninterest expense to average assets | 2.5700% | 2,629 |
| Loan and lease loss provision to assets | 0.2767% | 1,452 |
| Net operating income to assets | 0.9624% | 2,479 |
| Return on assets (ROA) | 0.9624% | 2,612 |
| Pretax return on assets | 1.2988% | 2,051 |
| Return on Equity (ROE) | 8.9335% | 2,421 |
| Retained earnings to average equity (ytd only) | 8.9335% | 997 |
| Net charge-offs to loans | -0.0605% | 4,719 |
| Credit loss provision to net charge-offs | -647.4820% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9938% | 3,079 |
| Assets per employee ($millions) | 5.1195% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1501% | 381 |
| Loan loss allowance to noncurrent loans | 269.9849% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 2,038 |
| Noncurrent loans to loans | 0.7964% | 1,829 |
| Net loans and leases to total assets | 66.0506% | 2,514 |
| Net loans and leases to deposits | 80.1036% | 2,304 |
| Net loans and leases to core deposits | 82.2582% | 2,646 |
| Total domestic deposits to total assets | 82.4565% | 3,299 |
| Equity capital to assets | 9.8920% | 3,344 |
| Core capital (leverage) ratio | 10.1641% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1003% | 1,795 |
| Memoranda: | ||
| Average total assets | $433,615,500 | 1,727 |
| Average earning assets | $404,369,250 | 1,723 |
| Average equity | $46,714,250 | 1,787 |
| Average total loans | $306,237,000 | 1,660 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 3,340 |
| Cost of funding earning assets | 0.6038% | 2,941 |
| Net interest margin | 3.3904% | 3,133 |
| Noninterest income to average assets | 1.0639% | 878 |
| Noninterest expense to average assets | 2.6863% | 2,426 |
| Loan and lease loss provision to assets | 0.1931% | 2,103 |
| Net operating income to assets | 1.0055% | 2,303 |
| Return on assets (ROA) | 1.0055% | 2,429 |
| Pretax return on assets | 1.3395% | 1,907 |
| Return on Equity (ROE) | 9.0407% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.0407% | 996 |
| Net charge-offs to loans | -0.0638% | 4,742 |
| Credit loss provision to net charge-offs | -421.0526% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6728% | 2,864 |
| Assets per employee ($millions) | 4.8875% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9994% | 432 |
| Loan loss allowance to noncurrent loans | 220.0735% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 1,854 |
| Noncurrent loans to loans | 0.9085% | 1,691 |
| Net loans and leases to total assets | 68.1224% | 2,330 |
| Net loans and leases to deposits | 83.9881% | 1,999 |
| Net loans and leases to core deposits | 86.2345% | 2,419 |
| Total domestic deposits to total assets | 81.1095% | 3,575 |
| Equity capital to assets | 10.0620% | 3,153 |
| Core capital (leverage) ratio | 10.6404% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7400% | 1,913 |
| Memoranda: | ||
| Average total assets | $414,330,667 | 1,766 |
| Average earning assets | $385,564,333 | 1,768 |
| Average equity | $46,080,333 | 1,793 |
| Average total loans | $297,732,000 | 1,673 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,904 |
| Cost of funding earning assets | 0.6382% | 3,237 |
| Net interest margin | 3.6668% | 2,445 |
| Noninterest income to average assets | 0.8979% | 1,069 |
| Noninterest expense to average assets | 2.7998% | 2,430 |
| Loan and lease loss provision to assets | 0.4162% | 731 |
| Net operating income to assets | 0.8625% | 2,646 |
| Return on assets (ROA) | 0.8625% | 2,750 |
| Pretax return on assets | 1.0831% | 2,583 |
| Return on Equity (ROE) | 7.3251% | 2,815 |
| Retained earnings to average equity (ytd only) | 7.3251% | 1,436 |
| Net charge-offs to loans | -0.0454% | 4,608 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1258% | 3,071 |
| Assets per employee ($millions) | 3.8629% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2811% | 336 |
| Loan loss allowance to noncurrent loans | 225.5790% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 1,719 |
| Noncurrent loans to loans | 1.0112% | 1,637 |
| Net loans and leases to total assets | 73.1006% | 1,766 |
| Net loans and leases to deposits | 86.4643% | 1,934 |
| Net loans and leases to core deposits | 88.4053% | 2,490 |
| Total domestic deposits to total assets | 84.5443% | 2,584 |
| Equity capital to assets | 12.0072% | 2,062 |
| Core capital (leverage) ratio | 11.5058% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9507% | 1,924 |
| Memoranda: | ||
| Average total assets | $384,450,500 | 1,825 |
| Average earning assets | $356,607,000 | 1,822 |
| Average equity | $45,269,000 | 1,807 |
| Average total loans | $281,822,500 | 1,704 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 3,139 |
| Cost of funding earning assets | 0.5441% | 3,905 |
| Net interest margin | 3.8952% | 2,192 |
| Noninterest income to average assets | 0.9102% | 1,159 |
| Noninterest expense to average assets | 2.9339% | 2,188 |
| Loan and lease loss provision to assets | 0.2880% | 593 |
| Net operating income to assets | 0.9388% | 3,062 |
| Return on assets (ROA) | 0.9388% | 3,142 |
| Pretax return on assets | 1.2763% | 2,588 |
| Return on Equity (ROE) | 8.4097% | 2,981 |
| Retained earnings to average equity (ytd only) | 8.4097% | 850 |
| Net charge-offs to loans | -0.1380% | 5,003 |
| Credit loss provision to net charge-offs | -300.5464% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2230% | 2,887 |
| Assets per employee ($millions) | 3.9842% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1956% | 332 |
| Loan loss allowance to noncurrent loans | 203.2011% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 1,601 |
| Noncurrent loans to loans | 1.0805% | 1,400 |
| Net loans and leases to total assets | 70.2423% | 2,360 |
| Net loans and leases to deposits | 80.2445% | 2,752 |
| Net loans and leases to core deposits | 81.6555% | 3,162 |
| Total domestic deposits to total assets | 87.5354% | 1,351 |
| Equity capital to assets | 11.5452% | 2,491 |
| Core capital (leverage) ratio | 11.2215% | 2,319 |
| Tier 1 risk-based capital ratio | 13.6676% | 3,429 |
| Total risk-based capital ratio | 14.9259% | 3,326 |
| Memoranda: | ||
| Average total assets | $381,878,200 | 1,796 |
| Average earning assets | $351,764,600 | 1,810 |
| Average equity | $42,629,200 | 1,830 |
| Average total loans | $265,238,400 | 1,754 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 3,204 |
| Cost of funding earning assets | 0.5193% | 4,064 |
| Net interest margin | 3.9319% | 2,155 |
| Noninterest income to average assets | 0.8559% | 1,251 |
| Noninterest expense to average assets | 2.8523% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1882% | 2,238 |
| Return on assets (ROA) | 1.1882% | 2,314 |
| Pretax return on assets | 1.6200% | 1,562 |
| Return on Equity (ROE) | 10.7375% | 2,125 |
| Retained earnings to average equity (ytd only) | 10.7375% | 573 |
| Net charge-offs to loans | -0.1572% | 5,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7773% | 3,046 |
| Assets per employee ($millions) | 3.9831% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 696 |
| Loan loss allowance to noncurrent loans | 161.1818% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 1,539 |
| Noncurrent loans to loans | 1.1109% | 1,428 |
| Net loans and leases to total assets | 70.0836% | 2,455 |
| Net loans and leases to deposits | 80.0213% | 2,897 |
| Net loans and leases to core deposits | 81.2610% | 3,295 |
| Total domestic deposits to total assets | 87.5811% | 1,226 |
| Equity capital to assets | 11.5347% | 2,638 |
| Core capital (leverage) ratio | 11.3297% | 2,356 |
| Tier 1 risk-based capital ratio | 13.4363% | 3,606 |
| Total risk-based capital ratio | 14.6900% | 3,511 |
| Memoranda: | ||
| Average total assets | $380,729,750 | 1,815 |
| Average earning assets | $350,188,750 | 1,830 |
| Average equity | $42,131,750 | 1,856 |
| Average total loans | $262,157,750 | 1,777 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 3,287 |
| Cost of funding earning assets | 0.5003% | 4,112 |
| Net interest margin | 3.9161% | 2,199 |
| Noninterest income to average assets | 0.7950% | 1,369 |
| Noninterest expense to average assets | 2.7810% | 2,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1862% | 2,199 |
| Return on assets (ROA) | 1.1862% | 2,263 |
| Pretax return on assets | 1.6170% | 1,495 |
| Return on Equity (ROE) | 10.8760% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.8760% | 566 |
| Net charge-offs to loans | -0.1195% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2337% | 3,248 |
| Assets per employee ($millions) | 3.6719% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 724 |
| Loan loss allowance to noncurrent loans | 500.7330% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 3,407 |
| Noncurrent loans to loans | 0.3532% | 3,281 |
| Net loans and leases to total assets | 71.6244% | 2,261 |
| Net loans and leases to deposits | 81.9564% | 2,738 |
| Net loans and leases to core deposits | 83.0750% | 3,190 |
| Total domestic deposits to total assets | 87.3932% | 1,391 |
| Equity capital to assets | 11.6123% | 2,512 |
| Core capital (leverage) ratio | 11.3555% | 2,293 |
| Tier 1 risk-based capital ratio | 13.1359% | 3,767 |
| Total risk-based capital ratio | 14.3892% | 3,671 |
| Memoranda: | ||
| Average total assets | $378,852,000 | 1,830 |
| Average earning assets | $348,562,670 | 1,843 |
| Average equity | $41,320,330 | 1,881 |
| Average total loans | $257,639,000 | 1,806 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 3,432 |
| Cost of funding earning assets | 0.4811% | 4,148 |
| Net interest margin | 3.8581% | 2,320 |
| Noninterest income to average assets | 0.7387% | 1,471 |
| Noninterest expense to average assets | 2.6810% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1817% | 2,124 |
| Return on assets (ROA) | 1.1817% | 2,173 |
| Pretax return on assets | 1.6100% | 1,443 |
| Return on Equity (ROE) | 11.1849% | 1,876 |
| Retained earnings to average equity (ytd only) | 11.1849% | 765 |
| Net charge-offs to loans | -0.1242% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4787% | 3,456 |
| Assets per employee ($millions) | 3.7461% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 636 |
| Loan loss allowance to noncurrent loans | 499.0456% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 3,298 |
| Noncurrent loans to loans | 0.3717% | 3,255 |
| Net loans and leases to total assets | 67.1473% | 2,878 |
| Net loans and leases to deposits | 76.3910% | 3,224 |
| Net loans and leases to core deposits | 77.5360% | 3,558 |
| Total domestic deposits to total assets | 87.8994% | 1,390 |
| Equity capital to assets | 11.1528% | 2,702 |
| Core capital (leverage) ratio | 10.6428% | 2,902 |
| Tier 1 risk-based capital ratio | 13.1663% | 3,792 |
| Total risk-based capital ratio | 14.4201% | 3,701 |
| Memoranda: | ||
| Average total assets | $382,846,000 | 1,826 |
| Average earning assets | $352,508,000 | 1,838 |
| Average equity | $40,447,500 | 1,914 |
| Average total loans | $251,253,000 | 1,852 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,928 |
| Cost of funding earning assets | 0.3862% | 4,075 |
| Net interest margin | 3.6490% | 3,226 |
| Noninterest income to average assets | 0.8511% | 1,305 |
| Noninterest expense to average assets | 2.7931% | 2,712 |
| Loan and lease loss provision to assets | -0.1539% | 5,303 |
| Net operating income to assets | 1.1386% | 2,438 |
| Return on assets (ROA) | 1.1386% | 2,439 |
| Pretax return on assets | 1.5513% | 1,618 |
| Return on Equity (ROE) | 10.0162% | 2,512 |
| Retained earnings to average equity (ytd only) | -10.2914% | 5,323 |
| Net charge-offs to loans | -0.1697% | 5,243 |
| Credit loss provision to net charge-offs | 142.5178% | 1,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6524% | 2,757 |
| Assets per employee ($millions) | 4.0288% | 3,857 |
| Cash dividends to net income (ytd only)* | 202.7484% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 610 |
| Loan loss allowance to noncurrent loans | 520.5849% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 3,529 |
| Noncurrent loans to loans | 0.3574% | 3,257 |
| Net loans and leases to total assets | 61.8363% | 3,584 |
| Net loans and leases to deposits | 69.6624% | 3,855 |
| Net loans and leases to core deposits | 70.6906% | 4,085 |
| Total domestic deposits to total assets | 88.7657% | 962 |
| Equity capital to assets | 10.0128% | 3,674 |
| Core capital (leverage) ratio | 10.0082% | 3,564 |
| Tier 1 risk-based capital ratio | 13.3066% | 3,656 |
| Total risk-based capital ratio | 14.5604% | 3,540 |
| Memoranda: | ||
| Average total assets | $389,856,800 | 1,760 |
| Average earning assets | $356,784,000 | 1,782 |
| Average equity | $44,318,400 | 1,681 |
| Average total loans | $248,141,200 | 1,831 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,924 |
| Cost of funding earning assets | 0.3687% | 4,059 |
| Net interest margin | 3.6339% | 3,259 |
| Noninterest income to average assets | 0.8502% | 1,330 |
| Noninterest expense to average assets | 2.7248% | 2,900 |
| Loan and lease loss provision to assets | -0.2059% | 5,401 |
| Net operating income to assets | 1.2111% | 2,196 |
| Return on assets (ROA) | 1.2111% | 2,199 |
| Pretax return on assets | 1.6516% | 1,413 |
| Return on Equity (ROE) | 10.3407% | 2,461 |
| Retained earnings to average equity (ytd only) | 7.9972% | 1,658 |
| Net charge-offs to loans | -0.1941% | 5,298 |
| Credit loss provision to net charge-offs | 166.2050% | 1,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3340% | 2,980 |
| Assets per employee ($millions) | 3.9501% | 3,964 |
| Cash dividends to net income (ytd only)* | 22.6629% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 760 |
| Loan loss allowance to noncurrent loans | 586.3928% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 2,843 |
| Noncurrent loans to loans | 0.3025% | 3,594 |
| Net loans and leases to total assets | 65.3469% | 3,269 |
| Net loans and leases to deposits | 75.0136% | 3,506 |
| Net loans and leases to core deposits | 76.3209% | 3,780 |
| Total domestic deposits to total assets | 87.1133% | 1,679 |
| Equity capital to assets | 11.9988% | 1,906 |
| Core capital (leverage) ratio | 11.9781% | 1,797 |
| Tier 1 risk-based capital ratio | 15.3120% | 2,734 |
| Total risk-based capital ratio | 16.5650% | 2,655 |
| Memoranda: | ||
| Average total assets | $388,614,750 | 1,773 |
| Average earning assets | $355,089,750 | 1,791 |
| Average equity | $45,514,750 | 1,650 |
| Average total loans | $247,983,250 | 1,840 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 3,974 |
| Cost of funding earning assets | 0.3530% | 4,055 |
| Net interest margin | 3.5842% | 3,374 |
| Noninterest income to average assets | 0.8491% | 1,322 |
| Noninterest expense to average assets | 2.7298% | 2,909 |
| Loan and lease loss provision to assets | -0.3084% | 5,494 |
| Net operating income to assets | 1.2464% | 1,995 |
| Return on assets (ROA) | 1.2464% | 1,993 |
| Pretax return on assets | 1.7003% | 1,213 |
| Return on Equity (ROE) | 10.7292% | 2,215 |
| Retained earnings to average equity (ytd only) | 10.7292% | 725 |
| Net charge-offs to loans | -0.2410% | 5,359 |
| Credit loss provision to net charge-offs | 203.3898% | 1,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2302% | 2,931 |
| Assets per employee ($millions) | 3.7530% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 603 |
| Loan loss allowance to noncurrent loans | 444.8617% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 2,672 |
| Noncurrent loans to loans | 0.4331% | 3,147 |
| Net loans and leases to total assets | 59.2820% | 3,877 |
| Net loans and leases to deposits | 68.0127% | 4,017 |
| Net loans and leases to core deposits | 69.1090% | 4,199 |
| Total domestic deposits to total assets | 87.1631% | 1,768 |
| Equity capital to assets | 11.9899% | 1,861 |
| Core capital (leverage) ratio | 12.0633% | 1,671 |
| Tier 1 risk-based capital ratio | 16.3800% | 2,299 |
| Total risk-based capital ratio | 17.6345% | 2,245 |
| Memoranda: | ||
| Average total assets | $389,118,000 | 1,773 |
| Average earning assets | $355,280,000 | 1,801 |
| Average equity | $45,203,670 | 1,666 |
| Average total loans | $244,801,330 | 1,868 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,349 |
| Cost of funding earning assets | 0.3373% | 4,085 |
| Net interest margin | 3.4152% | 3,833 |
| Noninterest income to average assets | 0.7787% | 1,524 |
| Noninterest expense to average assets | 2.7603% | 2,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8402% | 3,553 |
| Return on assets (ROA) | 0.8402% | 3,568 |
| Pretax return on assets | 1.1414% | 3,000 |
| Return on Equity (ROE) | 7.3491% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.3491% | 2,122 |
| Net charge-offs to loans | -0.0895% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7458% | 2,382 |
| Assets per employee ($millions) | 3.8376% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 571 |
| Loan loss allowance to noncurrent loans | 260.6109% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 2,194 |
| Noncurrent loans to loans | 0.7578% | 2,305 |
| Net loans and leases to total assets | 62.9004% | 3,432 |
| Net loans and leases to deposits | 71.9184% | 3,611 |
| Net loans and leases to core deposits | 74.7578% | 3,760 |
| Total domestic deposits to total assets | 87.4608% | 1,918 |
| Equity capital to assets | 11.6806% | 2,004 |
| Core capital (leverage) ratio | 11.4251% | 2,068 |
| Tier 1 risk-based capital ratio | 15.4010% | 2,696 |
| Total risk-based capital ratio | 16.6568% | 2,633 |
| Memoranda: | ||
| Average total assets | $390,397,500 | 1,779 |
| Average earning assets | $356,995,500 | 1,799 |
| Average equity | $44,631,500 | 1,689 |
| Average total loans | $250,371,000 | 1,848 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 4,550 |
| Cost of funding earning assets | 0.3022% | 4,120 |
| Net interest margin | 3.3091% | 4,132 |
| Noninterest income to average assets | 0.7755% | 1,662 |
| Noninterest expense to average assets | 2.7674% | 2,898 |
| Loan and lease loss provision to assets | -0.4365% | 5,642 |
| Net operating income to assets | 0.4679% | 4,466 |
| Return on assets (ROA) | 0.4679% | 4,497 |
| Pretax return on assets | 1.4242% | 1,910 |
| Return on Equity (ROE) | 3.7021% | 4,602 |
| Retained earnings to average equity (ytd only) | -16.4266% | 5,599 |
| Net charge-offs to loans | -0.1199% | 5,420 |
| Credit loss provision to net charge-offs | 587.2483% | 550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6964% | 1,943 |
| Assets per employee ($millions) | 3.8950% | 4,127 |
| Cash dividends to net income (ytd only)* | 543.7100% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 662 |
| Loan loss allowance to noncurrent loans | 207.1090% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 1,817 |
| Noncurrent loans to loans | 0.9120% | 1,963 |
| Net loans and leases to total assets | 62.8483% | 3,500 |
| Net loans and leases to deposits | 71.5057% | 3,740 |
| Net loans and leases to core deposits | 74.3610% | 3,853 |
| Total domestic deposits to total assets | 87.8926% | 1,553 |
| Equity capital to assets | 11.2478% | 2,399 |
| Core capital (leverage) ratio | 10.6567% | 2,693 |
| Tier 1 risk-based capital ratio | 14.6197% | 3,029 |
| Total risk-based capital ratio | 15.8768% | 2,951 |
| Memoranda: | ||
| Average total assets | $400,914,800 | 1,697 |
| Average earning assets | $361,004,000 | 1,747 |
| Average equity | $50,673,800 | 1,505 |
| Average total loans | $248,578,000 | 1,827 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5767% | 4,616 |
| Cost of funding earning assets | 0.2924% | 4,207 |
| Net interest margin | 3.2844% | 4,218 |
| Noninterest income to average assets | 0.8703% | 1,370 |
| Noninterest expense to average assets | 2.6897% | 3,094 |
| Loan and lease loss provision to assets | -0.2489% | 5,676 |
| Net operating income to assets | 0.8461% | 3,284 |
| Return on assets (ROA) | 0.8461% | 3,337 |
| Pretax return on assets | 1.3780% | 2,187 |
| Return on Equity (ROE) | 6.5169% | 3,905 |
| Retained earnings to average equity (ytd only) | -8.0503% | 5,595 |
| Net charge-offs to loans | -0.1047% | 5,394 |
| Credit loss provision to net charge-offs | 386.5979% | 791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4318% | 2,466 |
| Assets per employee ($millions) | 3.9294% | 4,105 |
| Cash dividends to net income (ytd only)* | 223.5291% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2924% | 347 |
| Loan loss allowance to noncurrent loans | 252.5686% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 1,505 |
| Noncurrent loans to loans | 0.9076% | 2,115 |
| Net loans and leases to total assets | 60.6472% | 3,793 |
| Net loans and leases to deposits | 70.5948% | 3,911 |
| Net loans and leases to core deposits | 72.5746% | 4,097 |
| Total domestic deposits to total assets | 85.9088% | 2,341 |
| Equity capital to assets | 12.5321% | 1,646 |
| Core capital (leverage) ratio | 11.8204% | 1,804 |
| Tier 1 risk-based capital ratio | 16.2680% | 2,393 |
| Total risk-based capital ratio | 17.5306% | 2,344 |
| Memoranda: | ||
| Average total assets | $401,821,750 | 1,710 |
| Average earning assets | $360,730,500 | 1,759 |
| Average equity | $52,170,750 | 1,486 |
| Average total loans | $247,098,750 | 1,842 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 4,694 |
| Cost of funding earning assets | 0.2828% | 4,261 |
| Net interest margin | 3.2439% | 4,279 |
| Noninterest income to average assets | 0.9071% | 1,252 |
| Noninterest expense to average assets | 2.7104% | 3,059 |
| Loan and lease loss provision to assets | -0.3730% | 5,747 |
| Net operating income to assets | 0.9101% | 2,862 |
| Return on assets (ROA) | 0.9101% | 2,912 |
| Pretax return on assets | 1.4795% | 1,721 |
| Return on Equity (ROE) | 6.9295% | 3,590 |
| Retained earnings to average equity (ytd only) | -8.2169% | 5,616 |
| Net charge-offs to loans | -0.0730% | 5,314 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0098% | 2,511 |
| Assets per employee ($millions) | 3.7615% | 4,335 |
| Cash dividends to net income (ytd only)* | 218.5792% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2783% | 383 |
| Loan loss allowance to noncurrent loans | 254.1534% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 1,499 |
| Noncurrent loans to loans | 0.8964% | 2,183 |
| Net loans and leases to total assets | 61.3910% | 3,701 |
| Net loans and leases to deposits | 72.3812% | 3,699 |
| Net loans and leases to core deposits | 73.9799% | 3,938 |
| Total domestic deposits to total assets | 84.8162% | 2,885 |
| Equity capital to assets | 13.1086% | 1,323 |
| Core capital (leverage) ratio | 12.3187% | 1,464 |
| Tier 1 risk-based capital ratio | 16.8559% | 2,190 |
| Total risk-based capital ratio | 18.1191% | 2,149 |
| Memoranda: | ||
| Average total assets | $402,161,670 | 1,711 |
| Average earning assets | $360,734,000 | 1,761 |
| Average equity | $52,818,000 | 1,466 |
| Average total loans | $246,539,000 | 1,845 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 4,830 |
| Cost of funding earning assets | 0.2712% | 4,345 |
| Net interest margin | 3.1773% | 4,412 |
| Noninterest income to average assets | 0.9449% | 1,121 |
| Noninterest expense to average assets | 2.7298% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6623% | 3,869 |
| Return on assets (ROA) | 0.6623% | 3,910 |
| Pretax return on assets | 1.0656% | 3,105 |
| Return on Equity (ROE) | 5.0385% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.0385% | 2,870 |
| Net charge-offs to loans | -0.0745% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9235% | 2,592 |
| Assets per employee ($millions) | 3.6616% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5940% | 281 |
| Loan loss allowance to noncurrent loans | 209.2599% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3967% | 1,198 |
| Noncurrent loans to loans | 1.2396% | 1,632 |
| Net loans and leases to total assets | 60.4297% | 3,739 |
| Net loans and leases to deposits | 72.1033% | 3,603 |
| Net loans and leases to core deposits | 73.9381% | 3,839 |
| Total domestic deposits to total assets | 83.8099% | 3,546 |
| Equity capital to assets | 13.7662% | 980 |
| Core capital (leverage) ratio | 12.5216% | 1,332 |
| Tier 1 risk-based capital ratio | 17.5871% | 2,008 |
| Total risk-based capital ratio | 18.8538% | 1,955 |
| Memoranda: | ||
| Average total assets | $407,645,500 | 1,701 |
| Average earning assets | $365,720,000 | 1,751 |
| Average equity | $53,587,000 | 1,451 |
| Average total loans | $246,930,000 | 1,854 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5019% | 4,775 |
| Cost of funding earning assets | 0.2771% | 4,283 |
| Net interest margin | 3.2247% | 4,368 |
| Noninterest income to average assets | 0.8223% | 1,669 |
| Noninterest expense to average assets | 2.9851% | 2,390 |
| Loan and lease loss provision to assets | -0.2959% | 5,843 |
| Net operating income to assets | 3.5133% | 62 |
| Return on assets (ROA) | 3.5213% | 62 |
| Pretax return on assets | 1.0969% | 3,116 |
| Return on Equity (ROE) | 26.9004% | 60 |
| Retained earnings to average equity (ytd only) | 2.8739% | 3,852 |
| Net charge-offs to loans | 0.0111% | 3,898 |
| Credit loss provision to net charge-offs | -4,217.2414% | 5,447 |
| Earnings coverage of net charge-offs (x) | 113.0345% | 539 |
| Efficiency ratio | 79.0101% | 1,553 |
| Assets per employee ($millions) | 3.7812% | 4,339 |
| Cash dividends to net income (ytd only)* | 89.3164% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4957% | 315 |
| Loan loss allowance to noncurrent loans | 237.8943% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 1,422 |
| Noncurrent loans to loans | 1.0491% | 1,981 |
| Net loans and leases to total assets | 57.7421% | 4,090 |
| Net loans and leases to deposits | 67.6338% | 4,112 |
| Net loans and leases to core deposits | 69.3082% | 4,303 |
| Total domestic deposits to total assets | 85.3746% | 2,891 |
| Equity capital to assets | 12.5713% | 1,475 |
| Core capital (leverage) ratio | 11.4925% | 1,930 |
| Tier 1 risk-based capital ratio | 16.8746% | 2,197 |
| Total risk-based capital ratio | 18.1451% | 2,139 |
| Memoranda: | ||
| Average total assets | $413,347,000 | 1,635 |
| Average earning assets | $378,884,200 | 1,642 |
| Average equity | $54,107,000 | 1,420 |
| Average total loans | $261,394,800 | 1,728 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5226% | 4,748 |
| Cost of funding earning assets | 0.2775% | 4,317 |
| Net interest margin | 3.2451% | 4,361 |
| Noninterest income to average assets | 0.8364% | 1,620 |
| Noninterest expense to average assets | 2.9723% | 2,392 |
| Loan and lease loss provision to assets | -0.3969% | 5,934 |
| Net operating income to assets | 1.2518% | 1,450 |
| Return on assets (ROA) | 1.2625% | 1,505 |
| Pretax return on assets | 1.2625% | 2,564 |
| Return on Equity (ROE) | 9.5474% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.5474% | 675 |
| Net charge-offs to loans | 0.1086% | 1,858 |
| Credit loss provision to net charge-offs | -568.8372% | 5,103 |
| Earnings coverage of net charge-offs (x) | 12.2511% | 2,407 |
| Efficiency ratio | 77.6628% | 1,736 |
| Assets per employee ($millions) | 3.4919% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3204% | 422 |
| Loan loss allowance to noncurrent loans | 181.7719% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4372% | 1,277 |
| Noncurrent loans to loans | 1.2766% | 1,752 |
| Net loans and leases to total assets | 62.0423% | 3,634 |
| Net loans and leases to deposits | 73.5345% | 3,638 |
| Net loans and leases to core deposits | 75.4177% | 3,893 |
| Total domestic deposits to total assets | 84.3717% | 3,074 |
| Equity capital to assets | 13.6800% | 1,170 |
| Core capital (leverage) ratio | 13.5593% | 977 |
| Tier 1 risk-based capital ratio | 19.5483% | 1,534 |
| Total risk-based capital ratio | 20.8091% | 1,501 |
| Memoranda: | ||
| Average total assets | $410,809,500 | 1,645 |
| Average earning assets | $378,615,000 | 1,645 |
| Average equity | $54,324,000 | 1,422 |
| Average total loans | $264,044,750 | 1,715 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 4,763 |
| Cost of funding earning assets | 0.2793% | 4,354 |
| Net interest margin | 3.2629% | 4,339 |
| Noninterest income to average assets | 0.7807% | 1,805 |
| Noninterest expense to average assets | 3.0146% | 2,298 |
| Loan and lease loss provision to assets | -0.5960% | 6,027 |
| Net operating income to assets | 1.3679% | 1,122 |
| Return on assets (ROA) | 1.3840% | 1,153 |
| Pretax return on assets | 1.3840% | 2,084 |
| Return on Equity (ROE) | 10.5886% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.5886% | 494 |
| Net charge-offs to loans | 0.0143% | 3,251 |
| Credit loss provision to net charge-offs | -6,436.8421% | 5,345 |
| Earnings coverage of net charge-offs (x) | 83.3684% | 683 |
| Efficiency ratio | 79.6139% | 1,543 |
| Assets per employee ($millions) | 3.2438% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4040% | 409 |
| Loan loss allowance to noncurrent loans | 103.5685% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.7542% | 998 |
| Noncurrent loans to loans | 2.3211% | 779 |
| Net loans and leases to total assets | 62.7673% | 3,531 |
| Net loans and leases to deposits | 74.5443% | 3,525 |
| Net loans and leases to core deposits | 76.7255% | 3,759 |
| Total domestic deposits to total assets | 84.2013% | 3,197 |
| Equity capital to assets | 13.6701% | 1,154 |
| Core capital (leverage) ratio | 13.7479% | 884 |
| Tier 1 risk-based capital ratio | 19.1117% | 1,668 |
| Total risk-based capital ratio | 20.3731% | 1,633 |
| Memoranda: | ||
| Average total assets | $410,396,670 | 1,647 |
| Average earning assets | $378,073,670 | 1,648 |
| Average equity | $53,642,670 | 1,436 |
| Average total loans | $264,820,670 | 1,703 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 5,071 |
| Cost of funding earning assets | 0.2847% | 4,337 |
| Net interest margin | 3.1382% | 4,755 |
| Noninterest income to average assets | 0.7315% | 1,896 |
| Noninterest expense to average assets | 3.0257% | 2,311 |
| Loan and lease loss provision to assets | -0.6608% | 6,095 |
| Net operating income to assets | 1.2711% | 1,335 |
| Return on assets (ROA) | 1.3031% | 1,327 |
| Pretax return on assets | 1.3031% | 2,288 |
| Return on Equity (ROE) | 10.1991% | 1,903 |
| Retained earnings to average equity (ytd only) | 10.1991% | 810 |
| Net charge-offs to loans | -0.1064% | 5,664 |
| Credit loss provision to net charge-offs | 960.5634% | 381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2134% | 1,236 |
| Assets per employee ($millions) | 3.3235% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6045% | 350 |
| Loan loss allowance to noncurrent loans | 60.1098% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 3.2383% | 372 |
| Noncurrent loans to loans | 4.3328% | 257 |
| Net loans and leases to total assets | 64.6980% | 3,154 |
| Net loans and leases to deposits | 76.6212% | 3,153 |
| Net loans and leases to core deposits | 79.0837% | 3,402 |
| Total domestic deposits to total assets | 84.4387% | 3,338 |
| Equity capital to assets | 13.4420% | 1,200 |
| Core capital (leverage) ratio | 13.0601% | 1,135 |
| Tier 1 risk-based capital ratio | 18.0448% | 1,970 |
| Total risk-based capital ratio | 19.3082% | 1,933 |
| Memoranda: | ||
| Average total assets | $412,856,500 | 1,640 |
| Average earning assets | $382,126,000 | 1,639 |
| Average equity | $52,749,500 | 1,457 |
| Average total loans | $266,843,000 | 1,687 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4332% | 5,092 |
| Cost of funding earning assets | 0.3025% | 4,217 |
| Net interest margin | 3.1307% | 4,833 |
| Noninterest income to average assets | 0.9363% | 1,349 |
| Noninterest expense to average assets | 3.2433% | 1,851 |
| Loan and lease loss provision to assets | -0.0109% | 5,631 |
| Net operating income to assets | 0.5818% | 4,374 |
| Return on assets (ROA) | 0.5818% | 4,464 |
| Pretax return on assets | 0.5818% | 4,894 |
| Return on Equity (ROE) | 4.9608% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.9608% | 2,451 |
| Net charge-offs to loans | 0.2127% | 1,383 |
| Credit loss provision to net charge-offs | -7.7558% | 4,943 |
| Earnings coverage of net charge-offs (x) | 4.0726% | 3,613 |
| Efficiency ratio | 85.0306% | 1,086 |
| Assets per employee ($millions) | 3.3351% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7947% | 281 |
| Loan loss allowance to noncurrent loans | 108.6975% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.9701% | 903 |
| Noncurrent loans to loans | 2.5711% | 698 |
| Net loans and leases to total assets | 61.1972% | 3,664 |
| Net loans and leases to deposits | 71.1955% | 3,799 |
| Net loans and leases to core deposits | 73.6718% | 3,970 |
| Total domestic deposits to total assets | 85.9565% | 2,661 |
| Equity capital to assets | 12.1552% | 1,845 |
| Core capital (leverage) ratio | 12.0176% | 1,610 |
| Tier 1 risk-based capital ratio | 17.7199% | 2,047 |
| Total risk-based capital ratio | 18.9861% | 1,994 |
| Memoranda: | ||
| Average total assets | $432,249,400 | 1,544 |
| Average earning assets | $397,360,000 | 1,540 |
| Average equity | $50,697,800 | 1,465 |
| Average total loans | $284,963,000 | 1,533 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4623% | 5,076 |
| Cost of funding earning assets | 0.3038% | 4,295 |
| Net interest margin | 3.1585% | 4,802 |
| Noninterest income to average assets | 1.0357% | 1,112 |
| Noninterest expense to average assets | 3.2134% | 1,935 |
| Loan and lease loss provision to assets | 0.1700% | 1,242 |
| Net operating income to assets | 0.5486% | 4,596 |
| Return on assets (ROA) | 0.5486% | 4,700 |
| Pretax return on assets | 0.5486% | 5,100 |
| Return on Equity (ROE) | 4.7195% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.7195% | 3,111 |
| Net charge-offs to loans | 0.2630% | 1,004 |
| Credit loss provision to net charge-offs | 97.0175% | 2,352 |
| Earnings coverage of net charge-offs (x) | 4.1000% | 3,400 |
| Efficiency ratio | 81.7236% | 1,431 |
| Assets per employee ($millions) | 3.3054% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9637% | 254 |
| Loan loss allowance to noncurrent loans | 114.3278% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 2.6350% | 627 |
| Noncurrent loans to loans | 2.5923% | 768 |
| Net loans and leases to total assets | 61.1350% | 3,717 |
| Net loans and leases to deposits | 71.0250% | 3,873 |
| Net loans and leases to core deposits | 73.6153% | 4,052 |
| Total domestic deposits to total assets | 86.0753% | 2,484 |
| Equity capital to assets | 11.7976% | 2,267 |
| Core capital (leverage) ratio | 11.6639% | 1,912 |
| Tier 1 risk-based capital ratio | 17.3165% | 2,250 |
| Total risk-based capital ratio | 18.5849% | 2,194 |
| Memoranda: | ||
| Average total assets | $433,589,500 | 1,545 |
| Average earning assets | $397,606,500 | 1,551 |
| Average equity | $50,400,000 | 1,480 |
| Average total loans | $289,015,000 | 1,512 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4920% | 5,005 |
| Cost of funding earning assets | 0.3011% | 4,387 |
| Net interest margin | 3.1909% | 4,689 |
| Noninterest income to average assets | 0.9670% | 1,253 |
| Noninterest expense to average assets | 3.2204% | 1,922 |
| Loan and lease loss provision to assets | 0.2556% | 671 |
| Net operating income to assets | 0.4202% | 5,080 |
| Return on assets (ROA) | 0.4202% | 5,180 |
| Pretax return on assets | 0.4202% | 5,424 |
| Return on Equity (ROE) | 3.6330% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.6330% | 3,715 |
| Net charge-offs to loans | 0.2873% | 911 |
| Credit loss provision to net charge-offs | 131.0427% | 1,686 |
| Earnings coverage of net charge-offs (x) | 3.4645% | 3,194 |
| Efficiency ratio | 82.6551% | 1,416 |
| Assets per employee ($millions) | 3.3071% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8712% | 309 |
| Loan loss allowance to noncurrent loans | 143.8855% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 2.3170% | 865 |
| Noncurrent loans to loans | 1.9955% | 1,226 |
| Net loans and leases to total assets | 64.7705% | 3,152 |
| Net loans and leases to deposits | 75.1258% | 3,374 |
| Net loans and leases to core deposits | 77.8506% | 3,596 |
| Total domestic deposits to total assets | 86.2160% | 2,571 |
| Equity capital to assets | 11.6669% | 2,271 |
| Core capital (leverage) ratio | 11.7193% | 1,825 |
| Tier 1 risk-based capital ratio | 16.2458% | 2,736 |
| Total risk-based capital ratio | 17.5132% | 2,685 |
| Memoranda: | ||
| Average total assets | $432,680,000 | 1,557 |
| Average earning assets | $397,193,330 | 1,561 |
| Average equity | $50,041,670 | 1,497 |
| Average total loans | $293,723,330 | 1,509 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4653% | 5,050 |
| Cost of funding earning assets | 0.3009% | 4,432 |
| Net interest margin | 3.1644% | 4,738 |
| Noninterest income to average assets | 1.1054% | 928 |
| Noninterest expense to average assets | 3.2664% | 1,806 |
| Loan and lease loss provision to assets | 0.5116% | 197 |
| Net operating income to assets | 0.2359% | 5,600 |
| Return on assets (ROA) | 0.2359% | 5,688 |
| Pretax return on assets | 0.2359% | 5,778 |
| Return on Equity (ROE) | 2.0486% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.0486% | 4,651 |
| Net charge-offs to loans | 0.3796% | 647 |
| Credit loss provision to net charge-offs | 196.7972% | 1,064 |
| Earnings coverage of net charge-offs (x) | 2.8754% | 2,686 |
| Efficiency ratio | 81.3782% | 1,707 |
| Assets per employee ($millions) | 3.2305% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8817% | 334 |
| Loan loss allowance to noncurrent loans | 98.3331% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 2.9824% | 636 |
| Noncurrent loans to loans | 2.9305% | 760 |
| Net loans and leases to total assets | 66.1720% | 2,741 |
| Net loans and leases to deposits | 76.5176% | 2,993 |
| Net loans and leases to core deposits | 79.2943% | 3,249 |
| Total domestic deposits to total assets | 86.4794% | 2,678 |
| Equity capital to assets | 11.6244% | 2,357 |
| Core capital (leverage) ratio | 11.5225% | 1,987 |
| Tier 1 risk-based capital ratio | 15.5796% | 3,112 |
| Total risk-based capital ratio | 16.8465% | 3,042 |
| Memoranda: | ||
| Average total assets | $432,403,500 | 1,570 |
| Average earning assets | $397,423,000 | 1,568 |
| Average equity | $49,790,000 | 1,508 |
| Average total loans | $296,134,000 | 1,497 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 5,236 |
| Cost of funding earning assets | 0.3413% | 4,352 |
| Net interest margin | 3.1957% | 4,933 |
| Noninterest income to average assets | 1.4095% | 610 |
| Noninterest expense to average assets | 3.2452% | 2,087 |
| Loan and lease loss provision to assets | -0.0267% | 5,955 |
| Net operating income to assets | 1.2066% | 1,565 |
| Return on assets (ROA) | 1.2066% | 1,623 |
| Pretax return on assets | 1.1180% | 3,017 |
| Return on Equity (ROE) | 12.9698% | 1,149 |
| Retained earnings to average equity (ytd only) | 12.9698% | 228 |
| Net charge-offs to loans | 0.9320% | 344 |
| Credit loss provision to net charge-offs | -4.1960% | 5,298 |
| Earnings coverage of net charge-offs (x) | 1.7118% | 4,349 |
| Efficiency ratio | 74.8357% | 2,685 |
| Assets per employee ($millions) | 3.1763% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7257% | 412 |
| Loan loss allowance to noncurrent loans | 60.1843% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 4.0485% | 410 |
| Noncurrent loans to loans | 4.5289% | 366 |
| Net loans and leases to total assets | 66.9551% | 2,738 |
| Net loans and leases to deposits | 77.0763% | 3,074 |
| Net loans and leases to core deposits | 79.9361% | 3,306 |
| Total domestic deposits to total assets | 86.8687% | 2,344 |
| Equity capital to assets | 11.4064% | 2,513 |
| Core capital (leverage) ratio | 11.3203% | 2,113 |
| Tier 1 risk-based capital ratio | 15.6865% | 3,131 |
| Total risk-based capital ratio | 16.9529% | 3,056 |
| Memoranda: | ||
| Average total assets | $512,171,800 | 1,311 |
| Average earning assets | $469,101,400 | 1,309 |
| Average equity | $47,649,200 | 1,513 |
| Average total loans | $350,329,800 | 1,260 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 5,256 |
| Cost of funding earning assets | 0.3522% | 4,322 |
| Net interest margin | 3.2026% | 4,962 |
| Noninterest income to average assets | 1.7239% | 438 |
| Noninterest expense to average assets | 3.2074% | 2,155 |
| Loan and lease loss provision to assets | -0.3264% | 6,479 |
| Net operating income to assets | 1.8887% | 429 |
| Return on assets (ROA) | 1.8887% | 443 |
| Pretax return on assets | 1.7748% | 930 |
| Return on Equity (ROE) | 21.2863% | 219 |
| Retained earnings to average equity (ytd only) | 21.2863% | 59 |
| Net charge-offs to loans | 0.4793% | 822 |
| Credit loss provision to net charge-offs | -99.6935% | 5,446 |
| Earnings coverage of net charge-offs (x) | 4.4237% | 3,462 |
| Efficiency ratio | 68.8904% | 3,691 |
| Assets per employee ($millions) | 3.2704% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8752% | 406 |
| Loan loss allowance to noncurrent loans | 51.6367% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 5.1223% | 324 |
| Noncurrent loans to loans | 5.5682% | 280 |
| Net loans and leases to total assets | 68.5541% | 2,456 |
| Net loans and leases to deposits | 79.4324% | 2,777 |
| Net loans and leases to core deposits | 82.6571% | 3,042 |
| Total domestic deposits to total assets | 86.3049% | 2,700 |
| Equity capital to assets | 11.5540% | 2,429 |
| Core capital (leverage) ratio | 11.4465% | 2,106 |
| Tier 1 risk-based capital ratio | 15.4934% | 3,326 |
| Total risk-based capital ratio | 16.7615% | 3,255 |
| Memoranda: | ||
| Average total assets | $531,427,000 | 1,264 |
| Average earning assets | $486,508,750 | 1,273 |
| Average equity | $47,152,750 | 1,533 |
| Average total loans | $363,032,250 | 1,218 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 5,201 |
| Cost of funding earning assets | 0.3773% | 4,139 |
| Net interest margin | 3.2043% | 4,933 |
| Noninterest income to average assets | 2.1884% | 302 |
| Noninterest expense to average assets | 3.1703% | 2,278 |
| Loan and lease loss provision to assets | -0.4635% | 6,577 |
| Net operating income to assets | 2.4132% | 160 |
| Return on assets (ROA) | 2.4132% | 166 |
| Pretax return on assets | 2.4132% | 251 |
| Return on Equity (ROE) | 29.5378% | 62 |
| Retained earnings to average equity (ytd only) | 29.5378% | 30 |
| Net charge-offs to loans | 0.5713% | 717 |
| Credit loss provision to net charge-offs | -119.7974% | 5,291 |
| Earnings coverage of net charge-offs (x) | 5.0396% | 2,995 |
| Efficiency ratio | 61.9190% | 5,026 |
| Assets per employee ($millions) | 2.7724% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7951% | 474 |
| Loan loss allowance to noncurrent loans | 49.2119% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 5.6301% | 292 |
| Noncurrent loans to loans | 5.6797% | 298 |
| Net loans and leases to total assets | 71.9640% | 1,753 |
| Net loans and leases to deposits | 83.1219% | 2,131 |
| Net loans and leases to core deposits | 87.1920% | 2,395 |
| Total domestic deposits to total assets | 86.5765% | 2,715 |
| Equity capital to assets | 11.3263% | 2,583 |
| Core capital (leverage) ratio | 9.4681% | 4,372 |
| Tier 1 risk-based capital ratio | 14.5135% | 3,924 |
| Total risk-based capital ratio | 15.7807% | 3,850 |
| Memoranda: | ||
| Average total assets | $561,402,330 | 1,188 |
| Average earning assets | $513,630,000 | 1,192 |
| Average equity | $45,866,670 | 1,562 |
| Average total loans | $380,167,330 | 1,158 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4069% | 5,632 |
| Cost of funding earning assets | 0.3844% | 4,149 |
| Net interest margin | 3.0225% | 5,472 |
| Noninterest income to average assets | 0.5617% | 2,976 |
| Noninterest expense to average assets | 2.9630% | 3,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3721% | 5,222 |
| Return on assets (ROA) | 0.3721% | 5,289 |
| Pretax return on assets | 0.3721% | 5,533 |
| Return on Equity (ROE) | 5.2839% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.2839% | 2,932 |
| Net charge-offs to loans | 0.5260% | 704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.0805% | 3,184 |
| Efficiency ratio | 88.8438% | 1,148 |
| Assets per employee ($millions) | 3.4572% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7527% | 583 |
| Loan loss allowance to noncurrent loans | 47.9423% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 4.9973% | 406 |
| Noncurrent loans to loans | 5.7417% | 335 |
| Net loans and leases to total assets | 64.0527% | 2,882 |
| Net loans and leases to deposits | 70.0545% | 3,595 |
| Net loans and leases to core deposits | 73.1353% | 3,750 |
| Total domestic deposits to total assets | 91.4328% | 399 |
| Equity capital to assets | 7.2319% | 6,395 |
| Core capital (leverage) ratio | 7.1551% | 6,435 |
| Tier 1 risk-based capital ratio | 10.5931% | 6,306 |
| Total risk-based capital ratio | 11.8605% | 6,270 |
| Memoranda: | ||
| Average total assets | $620,314,000 | 1,099 |
| Average earning assets | $569,205,000 | 1,087 |
| Average equity | $43,679,500 | 1,625 |
| Average total loans | $406,053,000 | 1,077 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7993% | 4,821 |
| Cost of funding earning assets | 0.4717% | 3,895 |
| Net interest margin | 3.3276% | 4,568 |
| Noninterest income to average assets | -0.3140% | 6,779 |
| Noninterest expense to average assets | 3.0406% | 2,932 |
| Loan and lease loss provision to assets | 1.4904% | 89 |
| Net operating income to assets | -3.2196% | 6,770 |
| Return on assets (ROA) | -3.2464% | 6,766 |
| Pretax return on assets | -1.8627% | 6,698 |
| Return on Equity (ROE) | -36.8250% | 6,747 |
| Retained earnings to average equity (ytd only) | -36.8250% | 6,744 |
| Net charge-offs to loans | 2.6278% | 107 |
| Credit loss provision to net charge-offs | 82.1573% | 2,983 |
| Earnings coverage of net charge-offs (x) | -0.1905% | 5,142 |
| Efficiency ratio | 112.8235% | 237 |
| Assets per employee ($millions) | 3.5715% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8118% | 586 |
| Loan loss allowance to noncurrent loans | 42.1609% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 5.5856% | 373 |
| Noncurrent loans to loans | 6.6693% | 268 |
| Net loans and leases to total assets | 63.2384% | 3,174 |
| Net loans and leases to deposits | 68.7798% | 3,942 |
| Net loans and leases to core deposits | 72.0553% | 4,060 |
| Total domestic deposits to total assets | 91.9432% | 292 |
| Equity capital to assets | 6.8582% | 6,494 |
| Core capital (leverage) ratio | 6.6834% | 6,572 |
| Tier 1 risk-based capital ratio | 10.2285% | 6,453 |
| Total risk-based capital ratio | 11.4967% | 6,402 |
| Memoranda: | ||
| Average total assets | $679,705,200 | 981 |
| Average earning assets | $614,620,000 | 990 |
| Average equity | $59,921,200 | 1,201 |
| Average total loans | $469,216,000 | 910 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 4,601 |
| Cost of funding earning assets | 0.4899% | 3,868 |
| Net interest margin | 3.3831% | 4,348 |
| Noninterest income to average assets | -0.0042% | 6,765 |
| Noninterest expense to average assets | 3.0865% | 2,705 |
| Loan and lease loss provision to assets | 0.9312% | 187 |
| Net operating income to assets | -0.5550% | 6,623 |
| Return on assets (ROA) | -0.5550% | 6,633 |
| Pretax return on assets | -0.9774% | 6,693 |
| Return on Equity (ROE) | -5.9919% | 6,624 |
| Retained earnings to average equity (ytd only) | -5.9919% | 6,537 |
| Net charge-offs to loans | 1.5657% | 283 |
| Credit loss provision to net charge-offs | 85.0352% | 2,729 |
| Earnings coverage of net charge-offs (x) | -0.0423% | 4,865 |
| Efficiency ratio | 101.5219% | 416 |
| Assets per employee ($millions) | 3.5124% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9054% | 613 |
| Loan loss allowance to noncurrent loans | 45.7123% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 6.0617% | 395 |
| Noncurrent loans to loans | 6.3558% | 373 |
| Net loans and leases to total assets | 66.0707% | 2,625 |
| Net loans and leases to deposits | 74.1151% | 3,219 |
| Net loans and leases to core deposits | 78.2062% | 3,333 |
| Total domestic deposits to total assets | 89.1461% | 1,482 |
| Equity capital to assets | 9.5743% | 4,458 |
| Core capital (leverage) ratio | 8.2004% | 6,061 |
| Tier 1 risk-based capital ratio | 11.5970% | 6,008 |
| Total risk-based capital ratio | 12.8661% | 5,964 |
| Memoranda: | ||
| Average total assets | $691,591,750 | 964 |
| Average earning assets | $622,378,000 | 985 |
| Average equity | $64,062,750 | 1,131 |
| Average total loans | $483,686,750 | 881 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 4,518 |
| Cost of funding earning assets | 0.5069% | 3,838 |
| Net interest margin | 3.3834% | 4,252 |
| Noninterest income to average assets | -0.1249% | 6,855 |
| Noninterest expense to average assets | 3.1626% | 2,470 |
| Loan and lease loss provision to assets | 1.3715% | 103 |
| Net operating income to assets | -0.9384% | 6,741 |
| Return on assets (ROA) | -0.9384% | 6,747 |
| Pretax return on assets | -1.6094% | 6,814 |
| Return on Equity (ROE) | -10.2374% | 6,745 |
| Retained earnings to average equity (ytd only) | -10.2374% | 6,672 |
| Net charge-offs to loans | 2.1142% | 204 |
| Credit loss provision to net charge-offs | 91.9825% | 2,398 |
| Earnings coverage of net charge-offs (x) | -0.1596% | 4,605 |
| Efficiency ratio | 108.1359% | 305 |
| Assets per employee ($millions) | 3.4485% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8123% | 699 |
| Loan loss allowance to noncurrent loans | 50.0281% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 6.3086% | 417 |
| Noncurrent loans to loans | 5.6215% | 538 |
| Net loans and leases to total assets | 69.2919% | 2,020 |
| Net loans and leases to deposits | 77.5327% | 2,635 |
| Net loans and leases to core deposits | 84.2214% | 2,525 |
| Total domestic deposits to total assets | 89.3712% | 1,400 |
| Equity capital to assets | 9.3459% | 4,789 |
| Core capital (leverage) ratio | 7.8462% | 6,281 |
| Tier 1 risk-based capital ratio | 10.7429% | 6,431 |
| Total risk-based capital ratio | 12.0109% | 6,391 |
| Memoranda: | ||
| Average total assets | $704,354,670 | 946 |
| Average earning assets | $634,869,330 | 967 |
| Average equity | $64,567,330 | 1,123 |
| Average total loans | $496,729,670 | 849 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 4,431 |
| Cost of funding earning assets | 0.5155% | 3,923 |
| Net interest margin | 3.3952% | 4,137 |
| Noninterest income to average assets | 0.4880% | 3,863 |
| Noninterest expense to average assets | 3.0419% | 2,861 |
| Loan and lease loss provision to assets | 0.4090% | 750 |
| Net operating income to assets | 0.1011% | 6,142 |
| Return on assets (ROA) | 0.1011% | 6,235 |
| Pretax return on assets | 0.1056% | 6,252 |
| Return on Equity (ROE) | 1.1133% | 6,195 |
| Retained earnings to average equity (ytd only) | 1.1133% | 5,409 |
| Net charge-offs to loans | 0.4584% | 1,301 |
| Credit loss provision to net charge-offs | 127.1478% | 1,536 |
| Earnings coverage of net charge-offs (x) | 1.5997% | 3,300 |
| Efficiency ratio | 85.5322% | 1,574 |
| Assets per employee ($millions) | 3.6536% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8150% | 811 |
| Loan loss allowance to noncurrent loans | 67.0100% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 5.3590% | 647 |
| Noncurrent loans to loans | 4.2009% | 1,047 |
| Net loans and leases to total assets | 68.5265% | 1,916 |
| Net loans and leases to deposits | 76.5238% | 2,550 |
| Net loans and leases to core deposits | 83.8746% | 2,336 |
| Total domestic deposits to total assets | 89.5492% | 1,334 |
| Equity capital to assets | 9.3859% | 5,015 |
| Core capital (leverage) ratio | 8.2115% | 5,924 |
| Tier 1 risk-based capital ratio | 11.4054% | 6,236 |
| Total risk-based capital ratio | 12.6733% | 6,201 |
| Memoranda: | ||
| Average total assets | $723,756,500 | 931 |
| Average earning assets | $654,091,000 | 929 |
| Average equity | $65,750,000 | 1,122 |
| Average total loans | $507,835,500 | 836 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 4,694 |
| Cost of funding earning assets | 0.6931% | 3,549 |
| Net interest margin | 3.4766% | 4,597 |
| Noninterest income to average assets | 0.1183% | 6,445 |
| Noninterest expense to average assets | 3.1254% | 2,856 |
| Loan and lease loss provision to assets | 1.9340% | 119 |
| Net operating income to assets | -1.2164% | 6,799 |
| Return on assets (ROA) | -1.2164% | 6,813 |
| Pretax return on assets | -1.8077% | 6,905 |
| Return on Equity (ROE) | -12.7509% | 6,783 |
| Retained earnings to average equity (ytd only) | -12.7509% | 6,719 |
| Net charge-offs to loans | 1.9068% | 399 |
| Credit loss provision to net charge-offs | 141.9270% | 1,931 |
| Earnings coverage of net charge-offs (x) | 0.0927% | 5,442 |
| Efficiency ratio | 83.7635% | 1,658 |
| Assets per employee ($millions) | 3.9264% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6420% | 976 |
| Loan loss allowance to noncurrent loans | 96.1514% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 4.1880% | 1,006 |
| Noncurrent loans to loans | 2.7478% | 1,924 |
| Net loans and leases to total assets | 67.9972% | 2,182 |
| Net loans and leases to deposits | 75.4601% | 2,884 |
| Net loans and leases to core deposits | 82.4930% | 2,720 |
| Total domestic deposits to total assets | 90.1101% | 895 |
| Equity capital to assets | 8.8012% | 5,746 |
| Core capital (leverage) ratio | 8.1061% | 6,084 |
| Tier 1 risk-based capital ratio | 10.8748% | 6,398 |
| Total risk-based capital ratio | 12.1388% | 6,364 |
| Memoranda: | ||
| Average total assets | $749,480,800 | 888 |
| Average earning assets | $675,494,800 | 890 |
| Average equity | $71,501,000 | 989 |
| Average total loans | $535,608,000 | 771 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 4,751 |
| Cost of funding earning assets | 0.7402% | 3,429 |
| Net interest margin | 3.4783% | 4,721 |
| Noninterest income to average assets | 0.3351% | 5,124 |
| Noninterest expense to average assets | 2.6350% | 4,620 |
| Loan and lease loss provision to assets | 1.2083% | 299 |
| Net operating income to assets | -0.1942% | 6,495 |
| Return on assets (ROA) | -0.1942% | 6,565 |
| Pretax return on assets | -0.3728% | 6,644 |
| Return on Equity (ROE) | -1.9973% | 6,571 |
| Retained earnings to average equity (ytd only) | -1.9973% | 6,397 |
| Net charge-offs to loans | 1.1450% | 880 |
| Credit loss provision to net charge-offs | 146.8365% | 1,939 |
| Earnings coverage of net charge-offs (x) | 1.0153% | 4,810 |
| Efficiency ratio | 75.7155% | 2,719 |
| Assets per employee ($millions) | 3.8668% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1707% | 1,768 |
| Loan loss allowance to noncurrent loans | 69.3053% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 4.7843% | 945 |
| Noncurrent loans to loans | 3.1321% | 1,774 |
| Net loans and leases to total assets | 71.1083% | 1,708 |
| Net loans and leases to deposits | 79.9893% | 2,392 |
| Net loans and leases to core deposits | 87.3963% | 2,292 |
| Total domestic deposits to total assets | 88.8973% | 1,487 |
| Equity capital to assets | 9.9745% | 4,528 |
| Core capital (leverage) ratio | 9.4365% | 4,369 |
| Tier 1 risk-based capital ratio | 12.2940% | 5,769 |
| Total risk-based capital ratio | 13.5538% | 5,734 |
| Memoranda: | ||
| Average total assets | $750,347,250 | 894 |
| Average earning assets | $676,370,750 | 897 |
| Average equity | $72,961,750 | 974 |
| Average total loans | $539,251,250 | 774 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 4,965 |
| Cost of funding earning assets | 0.7890% | 3,285 |
| Net interest margin | 3.4079% | 5,050 |
| Noninterest income to average assets | 0.2588% | 5,721 |
| Noninterest expense to average assets | 2.6383% | 4,657 |
| Loan and lease loss provision to assets | 1.7235% | 196 |
| Net operating income to assets | -0.5961% | 6,777 |
| Return on assets (ROA) | -0.5961% | 6,803 |
| Pretax return on assets | -1.0301% | 6,905 |
| Return on Equity (ROE) | -6.1821% | 6,807 |
| Retained earnings to average equity (ytd only) | -6.1821% | 6,682 |
| Net charge-offs to loans | 0.9432% | 1,170 |
| Credit loss provision to net charge-offs | 255.2022% | 1,123 |
| Earnings coverage of net charge-offs (x) | 1.0267% | 4,511 |
| Efficiency ratio | 78.8619% | 2,341 |
| Assets per employee ($millions) | 3.8049% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4687% | 1,324 |
| Loan loss allowance to noncurrent loans | 74.9164% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 5.0046% | 953 |
| Noncurrent loans to loans | 3.2953% | 1,773 |
| Net loans and leases to total assets | 71.1838% | 1,697 |
| Net loans and leases to deposits | 79.9722% | 2,388 |
| Net loans and leases to core deposits | 88.1867% | 2,187 |
| Total domestic deposits to total assets | 89.0107% | 1,500 |
| Equity capital to assets | 9.7091% | 4,748 |
| Core capital (leverage) ratio | 9.2079% | 4,598 |
| Tier 1 risk-based capital ratio | 11.8715% | 6,013 |
| Total risk-based capital ratio | 13.1346% | 5,972 |
| Memoranda: | ||
| Average total assets | $754,274,330 | 888 |
| Average earning assets | $680,124,000 | 896 |
| Average equity | $72,726,330 | 967 |
| Average total loans | $540,056,670 | 773 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 5,294 |
| Cost of funding earning assets | 0.8296% | 3,233 |
| Net interest margin | 3.3155% | 5,417 |
| Noninterest income to average assets | -0.1651% | 7,188 |
| Noninterest expense to average assets | 2.6926% | 4,448 |
| Loan and lease loss provision to assets | 3.2695% | 58 |
| Net operating income to assets | -1.8715% | 7,144 |
| Return on assets (ROA) | -1.8715% | 7,146 |
| Pretax return on assets | -3.1281% | 7,217 |
| Return on Equity (ROE) | -19.4769% | 7,104 |
| Retained earnings to average equity (ytd only) | -19.4769% | 7,038 |
| Net charge-offs to loans | 0.6886% | 1,446 |
| Credit loss provision to net charge-offs | 669.5464% | 516 |
| Earnings coverage of net charge-offs (x) | 0.2894% | 4,218 |
| Efficiency ratio | 94.5664% | 791 |
| Assets per employee ($millions) | 3.6996% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7280% | 1,081 |
| Loan loss allowance to noncurrent loans | 55.3439% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 6.1777% | 744 |
| Noncurrent loans to loans | 4.9292% | 1,146 |
| Net loans and leases to total assets | 70.0672% | 1,740 |
| Net loans and leases to deposits | 78.2111% | 2,468 |
| Net loans and leases to core deposits | 86.4990% | 2,231 |
| Total domestic deposits to total assets | 89.5874% | 1,314 |
| Equity capital to assets | 9.4674% | 4,855 |
| Core capital (leverage) ratio | 8.9126% | 4,978 |
| Tier 1 risk-based capital ratio | 11.9125% | 6,022 |
| Total risk-based capital ratio | 13.1791% | 6,005 |
| Memoranda: | ||
| Average total assets | $758,536,000 | 881 |
| Average earning assets | $686,114,000 | 885 |
| Average equity | $72,886,500 | 957 |
| Average total loans | $537,939,500 | 773 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 5,424 |
| Cost of funding earning assets | 1.0460% | 3,054 |
| Net interest margin | 3.3542% | 5,633 |
| Noninterest income to average assets | 0.4331% | 4,351 |
| Noninterest expense to average assets | 2.5340% | 5,338 |
| Loan and lease loss provision to assets | 0.4428% | 2,383 |
| Net operating income to assets | 0.3767% | 4,963 |
| Return on assets (ROA) | 0.3767% | 5,140 |
| Pretax return on assets | 0.4923% | 5,015 |
| Return on Equity (ROE) | 3.9704% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.9704% | 3,372 |
| Net charge-offs to loans | 0.9725% | 1,771 |
| Credit loss provision to net charge-offs | 63.8977% | 5,060 |
| Earnings coverage of net charge-offs (x) | 1.3494% | 4,758 |
| Efficiency ratio | 72.6788% | 3,452 |
| Assets per employee ($millions) | 3.8303% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 2,956 |
| Loan loss allowance to noncurrent loans | 35.9856% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 6.1556% | 788 |
| Noncurrent loans to loans | 4.9271% | 1,154 |
| Net loans and leases to total assets | 68.5878% | 2,293 |
| Net loans and leases to deposits | 76.7901% | 3,041 |
| Net loans and leases to core deposits | 84.6940% | 2,785 |
| Total domestic deposits to total assets | 89.3185% | 1,356 |
| Equity capital to assets | 9.7475% | 4,518 |
| Core capital (leverage) ratio | 9.3691% | 4,226 |
| Tier 1 risk-based capital ratio | 12.5366% | 5,414 |
| Total risk-based capital ratio | 13.7918% | 5,404 |
| Memoranda: | ||
| Average total assets | $773,058,600 | 851 |
| Average earning assets | $699,719,600 | 860 |
| Average equity | $73,343,200 | 923 |
| Average total loans | $550,822,000 | 766 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 5,502 |
| Cost of funding earning assets | 1.0885% | 3,055 |
| Net interest margin | 3.3400% | 5,743 |
| Noninterest income to average assets | 0.4887% | 3,959 |
| Noninterest expense to average assets | 2.5358% | 5,332 |
| Loan and lease loss provision to assets | 0.4569% | 2,174 |
| Net operating income to assets | 0.4140% | 4,934 |
| Return on assets (ROA) | 0.4140% | 5,126 |
| Pretax return on assets | 0.5211% | 5,082 |
| Return on Equity (ROE) | 4.3937% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.3937% | 3,600 |
| Net charge-offs to loans | 1.2617% | 1,233 |
| Credit loss provision to net charge-offs | 50.5714% | 5,025 |
| Earnings coverage of net charge-offs (x) | 1.0825% | 4,819 |
| Efficiency ratio | 71.8106% | 3,587 |
| Assets per employee ($millions) | 3.7677% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 3,526 |
| Loan loss allowance to noncurrent loans | 31.0549% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 6.3144% | 829 |
| Noncurrent loans to loans | 5.2507% | 1,160 |
| Net loans and leases to total assets | 69.9354% | 2,095 |
| Net loans and leases to deposits | 78.5461% | 2,883 |
| Net loans and leases to core deposits | 87.1427% | 2,608 |
| Total domestic deposits to total assets | 89.0374% | 1,414 |
| Equity capital to assets | 9.7443% | 4,712 |
| Core capital (leverage) ratio | 9.1292% | 4,746 |
| Tier 1 risk-based capital ratio | 12.2486% | 5,705 |
| Total risk-based capital ratio | 13.5022% | 5,687 |
| Memoranda: | ||
| Average total assets | $774,810,250 | 854 |
| Average earning assets | $701,746,500 | 862 |
| Average equity | $73,011,250 | 929 |
| Average total loans | $554,802,000 | 766 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 5,539 |
| Cost of funding earning assets | 1.1237% | 3,080 |
| Net interest margin | 3.3208% | 5,801 |
| Noninterest income to average assets | 0.5117% | 3,770 |
| Noninterest expense to average assets | 2.5769% | 5,271 |
| Loan and lease loss provision to assets | 0.4799% | 2,063 |
| Net operating income to assets | 0.4180% | 4,863 |
| Return on assets (ROA) | 0.4180% | 5,018 |
| Pretax return on assets | 0.4611% | 5,188 |
| Return on Equity (ROE) | 4.4859% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.4859% | 3,340 |
| Net charge-offs to loans | 0.9146% | 1,704 |
| Credit loss provision to net charge-offs | 73.1040% | 3,978 |
| Earnings coverage of net charge-offs (x) | 1.4335% | 4,211 |
| Efficiency ratio | 72.8937% | 3,563 |
| Assets per employee ($millions) | 3.6140% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 2,553 |
| Loan loss allowance to noncurrent loans | 31.0924% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 6.9565% | 736 |
| Noncurrent loans to loans | 6.2273% | 928 |
| Net loans and leases to total assets | 71.2655% | 1,945 |
| Net loans and leases to deposits | 79.8463% | 2,827 |
| Net loans and leases to core deposits | 90.1328% | 2,361 |
| Total domestic deposits to total assets | 89.2535% | 1,382 |
| Equity capital to assets | 9.6184% | 4,635 |
| Core capital (leverage) ratio | 9.0141% | 4,696 |
| Tier 1 risk-based capital ratio | 11.7653% | 5,961 |
| Total risk-based capital ratio | 13.0224% | 5,953 |
| Memoranda: | ||
| Average total assets | $779,386,670 | 858 |
| Average earning assets | $705,554,670 | 866 |
| Average equity | $72,627,670 | 935 |
| Average total loans | $559,373,330 | 771 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 5,497 |
| Cost of funding earning assets | 1.1468% | 3,178 |
| Net interest margin | 3.3092% | 5,743 |
| Noninterest income to average assets | 0.4290% | 4,459 |
| Noninterest expense to average assets | 2.7545% | 4,628 |
| Loan and lease loss provision to assets | 0.1015% | 4,736 |
| Net operating income to assets | 0.6093% | 3,987 |
| Return on assets (ROA) | 0.6093% | 4,054 |
| Pretax return on assets | 0.5722% | 4,792 |
| Return on Equity (ROE) | 6.6419% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.6419% | 2,309 |
| Net charge-offs to loans | 0.2883% | 2,908 |
| Credit loss provision to net charge-offs | 49.3827% | 3,767 |
| Earnings coverage of net charge-offs (x) | 3.2765% | 2,793 |
| Efficiency ratio | 79.9911% | 2,539 |
| Assets per employee ($millions) | 3.7617% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 2,383 |
| Loan loss allowance to noncurrent loans | 50.0737% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 5.2223% | 1,194 |
| Noncurrent loans to loans | 4.0188% | 1,809 |
| Net loans and leases to total assets | 69.4484% | 2,234 |
| Net loans and leases to deposits | 77.6578% | 3,125 |
| Net loans and leases to core deposits | 87.5243% | 2,665 |
| Total domestic deposits to total assets | 89.4288% | 1,513 |
| Equity capital to assets | 9.2707% | 4,781 |
| Core capital (leverage) ratio | 8.6638% | 5,153 |
| Tier 1 risk-based capital ratio | 11.6006% | 6,021 |
| Total risk-based capital ratio | 12.8587% | 6,000 |
| Memoranda: | ||
| Average total assets | $787,799,000 | 857 |
| Average earning assets | $714,010,500 | 861 |
| Average equity | $72,268,500 | 938 |
| Average total loans | $561,973,000 | 776 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 5,009 |
| Cost of funding earning assets | 1.2975% | 3,902 |
| Net interest margin | 3.6083% | 4,784 |
| Noninterest income to average assets | 0.6281% | 3,299 |
| Noninterest expense to average assets | 2.7803% | 4,673 |
| Loan and lease loss provision to assets | 1.6669% | 855 |
| Net operating income to assets | -0.3179% | 6,234 |
| Return on assets (ROA) | -0.3179% | 6,273 |
| Pretax return on assets | -0.5378% | 6,348 |
| Return on Equity (ROE) | -3.3511% | 6,307 |
| Retained earnings to average equity (ytd only) | -3.3511% | 6,137 |
| Net charge-offs to loans | 3.0552% | 532 |
| Credit loss provision to net charge-offs | 69.3900% | 5,879 |
| Earnings coverage of net charge-offs (x) | 0.4700% | 5,642 |
| Efficiency ratio | 70.7950% | 4,019 |
| Assets per employee ($millions) | 3.7591% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0147% | 2,262 |
| Loan loss allowance to noncurrent loans | 47.7801% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 5.5032% | 1,127 |
| Noncurrent loans to loans | 4.2166% | 1,717 |
| Net loans and leases to total assets | 70.3462% | 2,452 |
| Net loans and leases to deposits | 78.6155% | 3,408 |
| Net loans and leases to core deposits | 89.8064% | 2,797 |
| Total domestic deposits to total assets | 89.4812% | 1,391 |
| Equity capital to assets | 9.0767% | 5,030 |
| Core capital (leverage) ratio | 8.6621% | 5,089 |
| Tier 1 risk-based capital ratio | 11.3748% | 6,017 |
| Total risk-based capital ratio | 12.6328% | 6,000 |
| Memoranda: | ||
| Average total assets | $778,017,400 | 871 |
| Average earning assets | $707,517,200 | 872 |
| Average equity | $73,796,400 | 902 |
| Average total loans | $611,745,400 | 727 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 4,912 |
| Cost of funding earning assets | 1.3197% | 4,116 |
| Net interest margin | 3.6588% | 4,600 |
| Noninterest income to average assets | 0.7921% | 2,276 |
| Noninterest expense to average assets | 2.7162% | 4,808 |
| Loan and lease loss provision to assets | 1.3382% | 1,029 |
| Net operating income to assets | 0.0487% | 5,887 |
| Return on assets (ROA) | 0.0487% | 6,019 |
| Pretax return on assets | 0.0667% | 5,974 |
| Return on Equity (ROE) | 0.5076% | 6,010 |
| Retained earnings to average equity (ytd only) | 0.5076% | 5,593 |
| Net charge-offs to loans | 2.5305% | 662 |
| Credit loss provision to net charge-offs | 65.7984% | 5,539 |
| Earnings coverage of net charge-offs (x) | 0.6908% | 5,356 |
| Efficiency ratio | 65.6052% | 4,947 |
| Assets per employee ($millions) | 3.7160% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2230% | 1,756 |
| Loan loss allowance to noncurrent loans | 42.7327% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 6.8182% | 807 |
| Noncurrent loans to loans | 5.2020% | 1,308 |
| Net loans and leases to total assets | 72.7700% | 2,060 |
| Net loans and leases to deposits | 81.6388% | 3,164 |
| Net loans and leases to core deposits | 94.5012% | 2,460 |
| Total domestic deposits to total assets | 89.1365% | 1,319 |
| Equity capital to assets | 9.4131% | 4,967 |
| Core capital (leverage) ratio | 9.0495% | 4,605 |
| Tier 1 risk-based capital ratio | 11.4642% | 5,969 |
| Total risk-based capital ratio | 12.7248% | 5,941 |
| Memoranda: | ||
| Average total assets | $775,169,500 | 875 |
| Average earning assets | $705,311,250 | 877 |
| Average equity | $74,332,500 | 888 |
| Average total loans | $622,997,500 | 713 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 5,021 |
| Cost of funding earning assets | 1.3494% | 4,191 |
| Net interest margin | 3.6328% | 4,675 |
| Noninterest income to average assets | 0.8003% | 2,111 |
| Noninterest expense to average assets | 2.6077% | 5,291 |
| Loan and lease loss provision to assets | 1.4291% | 936 |
| Net operating income to assets | 0.0564% | 5,978 |
| Return on assets (ROA) | 0.0564% | 6,079 |
| Pretax return on assets | 0.0785% | 6,023 |
| Return on Equity (ROE) | 0.5843% | 6,065 |
| Retained earnings to average equity (ytd only) | 0.5843% | 5,526 |
| Net charge-offs to loans | 3.1594% | 490 |
| Credit loss provision to net charge-offs | 54.8902% | 5,319 |
| Earnings coverage of net charge-offs (x) | 0.5790% | 5,157 |
| Efficiency ratio | 63.0572% | 5,509 |
| Assets per employee ($millions) | 3.6201% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0465% | 2,077 |
| Loan loss allowance to noncurrent loans | 31.6989% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 6.8103% | 792 |
| Noncurrent loans to loans | 6.4561% | 931 |
| Net loans and leases to total assets | 79.0745% | 942 |
| Net loans and leases to deposits | 89.4158% | 1,943 |
| Net loans and leases to core deposits | 104.7284% | 1,564 |
| Total domestic deposits to total assets | 88.4345% | 1,769 |
| Equity capital to assets | 9.7419% | 4,352 |
| Core capital (leverage) ratio | 9.2835% | 4,152 |
| Tier 1 risk-based capital ratio | 10.9573% | 6,284 |
| Total risk-based capital ratio | 12.2159% | 6,264 |
| Memoranda: | ||
| Average total assets | $769,721,670 | 882 |
| Average earning assets | $702,371,000 | 878 |
| Average equity | $74,274,670 | 883 |
| Average total loans | $634,303,670 | 703 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 5,231 |
| Cost of funding earning assets | 1.3823% | 4,291 |
| Net interest margin | 3.5695% | 4,854 |
| Noninterest income to average assets | 0.5384% | 3,744 |
| Noninterest expense to average assets | 2.5921% | 5,384 |
| Loan and lease loss provision to assets | 1.1389% | 1,077 |
| Net operating income to assets | 0.0497% | 6,163 |
| Return on assets (ROA) | 0.0497% | 6,274 |
| Pretax return on assets | 0.0652% | 6,220 |
| Return on Equity (ROE) | 0.5175% | 6,263 |
| Retained earnings to average equity (ytd only) | 0.5175% | 5,621 |
| Net charge-offs to loans | 1.4497% | 1,195 |
| Credit loss provision to net charge-offs | 94.3801% | 3,557 |
| Earnings coverage of net charge-offs (x) | 0.9979% | 4,176 |
| Efficiency ratio | 67.9531% | 4,734 |
| Assets per employee ($millions) | 3.7063% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6704% | 1,105 |
| Loan loss allowance to noncurrent loans | 36.9498% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 6.8601% | 796 |
| Noncurrent loans to loans | 7.2271% | 812 |
| Net loans and leases to total assets | 80.4112% | 780 |
| Net loans and leases to deposits | 91.0141% | 1,760 |
| Net loans and leases to core deposits | 106.3662% | 1,546 |
| Total domestic deposits to total assets | 88.3502% | 1,881 |
| Equity capital to assets | 9.6320% | 4,331 |
| Core capital (leverage) ratio | 9.1515% | 4,299 |
| Tier 1 risk-based capital ratio | 10.5710% | 6,565 |
| Total risk-based capital ratio | 11.8367% | 6,547 |
| Memoranda: | ||
| Average total assets | $772,666,500 | 898 |
| Average earning assets | $705,201,500 | 894 |
| Average equity | $74,206,000 | 893 |
| Average total loans | $643,148,000 | 709 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 4,965 |
| Cost of funding earning assets | 1.7403% | 4,304 |
| Net interest margin | 3.6042% | 4,535 |
| Noninterest income to average assets | 0.6863% | 3,053 |
| Noninterest expense to average assets | 2.6972% | 5,410 |
| Loan and lease loss provision to assets | 2.9675% | 588 |
| Net operating income to assets | -0.9761% | 6,562 |
| Return on assets (ROA) | -0.9761% | 6,565 |
| Pretax return on assets | -1.6482% | 6,785 |
| Return on Equity (ROE) | -9.8228% | 6,612 |
| Retained earnings to average equity (ytd only) | -12.9392% | 6,749 |
| Net charge-offs to loans | 2.6518% | 847 |
| Credit loss provision to net charge-offs | 129.2341% | 3,979 |
| Earnings coverage of net charge-offs (x) | 0.5746% | 5,530 |
| Efficiency ratio | 66.8390% | 5,218 |
| Assets per employee ($millions) | 3.6529% | 4,642 |
| Cash dividends to net income (ytd only)* | -31.7269% | 7,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6392% | 1,081 |
| Loan loss allowance to noncurrent loans | 32.1515% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 7.7334% | 605 |
| Noncurrent loans to loans | 8.2088% | 599 |
| Net loans and leases to total assets | 81.6416% | 744 |
| Net loans and leases to deposits | 92.5268% | 1,813 |
| Net loans and leases to core deposits | 118.1779% | 2,108 |
| Total domestic deposits to total assets | 88.2357% | 1,866 |
| Equity capital to assets | 9.5759% | 4,304 |
| Core capital (leverage) ratio | 9.2648% | 4,031 |
| Tier 1 risk-based capital ratio | 10.4161% | 6,482 |
| Total risk-based capital ratio | 11.6818% | 6,439 |
| Memoranda: | ||
| Average total assets | $780,141,600 | 874 |
| Average earning assets | $720,860,200 | 866 |
| Average equity | $77,524,000 | 831 |
| Average total loans | $675,540,400 | 690 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4065% | 4,916 |
| Cost of funding earning assets | 1.8129% | 4,326 |
| Net interest margin | 3.5936% | 4,499 |
| Noninterest income to average assets | 0.7424% | 2,751 |
| Noninterest expense to average assets | 2.7433% | 5,132 |
| Loan and lease loss provision to assets | 3.5618% | 363 |
| Net operating income to assets | -1.3281% | 7,025 |
| Return on assets (ROA) | -1.3281% | 7,024 |
| Pretax return on assets | -2.2336% | 7,258 |
| Return on Equity (ROE) | -13.2453% | 7,088 |
| Retained earnings to average equity (ytd only) | -17.3558% | 7,246 |
| Net charge-offs to loans | 2.4268% | 758 |
| Credit loss provision to net charge-offs | 168.1756% | 2,781 |
| Earnings coverage of net charge-offs (x) | 0.6271% | 5,399 |
| Efficiency ratio | 67.0717% | 5,168 |
| Assets per employee ($millions) | 3.6346% | 4,594 |
| Cash dividends to net income (ytd only)* | -31.0340% | 7,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0640% | 640 |
| Loan loss allowance to noncurrent loans | 39.2749% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 7.3935% | 618 |
| Noncurrent loans to loans | 7.8015% | 641 |
| Net loans and leases to total assets | 83.2270% | 639 |
| Net loans and leases to deposits | 94.1117% | 1,869 |
| Net loans and leases to core deposits | 118.6518% | 2,364 |
| Total domestic deposits to total assets | 88.4343% | 1,463 |
| Equity capital to assets | 9.5602% | 4,663 |
| Core capital (leverage) ratio | 8.9571% | 4,712 |
| Tier 1 risk-based capital ratio | 10.2797% | 6,702 |
| Total risk-based capital ratio | 11.5508% | 6,628 |
| Memoranda: | ||
| Average total assets | $781,570,750 | 883 |
| Average earning assets | $724,052,250 | 871 |
| Average equity | $78,365,500 | 834 |
| Average total loans | $682,077,500 | 704 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 4,780 |
| Cost of funding earning assets | 1.8764% | 4,388 |
| Net interest margin | 3.5940% | 4,387 |
| Noninterest income to average assets | 0.9188% | 1,904 |
| Noninterest expense to average assets | 2.5994% | 5,743 |
| Loan and lease loss provision to assets | 1.2364% | 1,389 |
| Net operating income to assets | 0.2814% | 4,981 |
| Return on assets (ROA) | 0.2814% | 5,079 |
| Pretax return on assets | 0.4217% | 4,871 |
| Return on Equity (ROE) | 2.7638% | 4,993 |
| Retained earnings to average equity (ytd only) | -2.0798% | 5,765 |
| Net charge-offs to loans | 0.3428% | 3,463 |
| Credit loss provision to net charge-offs | 411.1111% | 1,124 |
| Earnings coverage of net charge-offs (x) | 5.5131% | 2,820 |
| Efficiency ratio | 60.7609% | 6,437 |
| Assets per employee ($millions) | 3.6034% | 4,562 |
| Cash dividends to net income (ytd only)* | 175.2493% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2666% | 1,143 |
| Loan loss allowance to noncurrent loans | 33.7744% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 6.5455% | 690 |
| Noncurrent loans to loans | 6.7111% | 765 |
| Net loans and leases to total assets | 85.4632% | 442 |
| Net loans and leases to deposits | 98.9878% | 1,391 |
| Net loans and leases to core deposits | 123.9627% | 2,031 |
| Total domestic deposits to total assets | 86.3371% | 2,607 |
| Equity capital to assets | 10.6099% | 3,289 |
| Core capital (leverage) ratio | 10.2216% | 3,071 |
| Tier 1 risk-based capital ratio | 11.3169% | 5,573 |
| Total risk-based capital ratio | 12.5787% | 5,467 |
| Memoranda: | ||
| Average total assets | $784,039,000 | 894 |
| Average earning assets | $728,328,330 | 878 |
| Average equity | $79,816,670 | 827 |
| Average total loans | $687,876,330 | 717 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4969% | 4,928 |
| Cost of funding earning assets | 1.9402% | 4,432 |
| Net interest margin | 3.5567% | 4,499 |
| Noninterest income to average assets | 0.8176% | 2,246 |
| Noninterest expense to average assets | 2.4435% | 6,046 |
| Loan and lease loss provision to assets | 0.8799% | 1,491 |
| Net operating income to assets | 0.5148% | 4,357 |
| Return on assets (ROA) | 0.5148% | 4,547 |
| Pretax return on assets | 0.8053% | 4,061 |
| Return on Equity (ROE) | 5.1658% | 4,401 |
| Retained earnings to average equity (ytd only) | 1.0659% | 5,215 |
| Net charge-offs to loans | 0.0924% | 4,254 |
| Credit loss provision to net charge-offs | 1,083.6478% | 578 |
| Earnings coverage of net charge-offs (x) | 20.7547% | 1,361 |
| Efficiency ratio | 58.8868% | 6,567 |
| Assets per employee ($millions) | 3.7106% | 4,316 |
| Cash dividends to net income (ytd only)* | 79.3651% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 1,555 |
| Loan loss allowance to noncurrent loans | 32.3897% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 5.9629% | 670 |
| Noncurrent loans to loans | 5.9622% | 812 |
| Net loans and leases to total assets | 87.3434% | 314 |
| Net loans and leases to deposits | 100.7325% | 1,310 |
| Net loans and leases to core deposits | 123.0292% | 2,164 |
| Total domestic deposits to total assets | 86.7082% | 2,358 |
| Equity capital to assets | 10.7926% | 3,193 |
| Core capital (leverage) ratio | 10.3263% | 3,087 |
| Tier 1 risk-based capital ratio | 11.4178% | 5,488 |
| Total risk-based capital ratio | 12.6757% | 5,380 |
| Memoranda: | ||
| Average total assets | $783,287,000 | 895 |
| Average earning assets | $729,210,500 | 875 |
| Average equity | $78,052,500 | 844 |
| Average total loans | $688,354,500 | 725 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4730% | 3,102 |
| Cost of funding earning assets | 2.7453% | 2,950 |
| Net interest margin | 3.7277% | 4,342 |
| Noninterest income to average assets | 0.6521% | 3,457 |
| Noninterest expense to average assets | 2.3832% | 6,458 |
| Loan and lease loss provision to assets | 0.6894% | 2,120 |
| Net operating income to assets | 0.6676% | 4,035 |
| Return on assets (ROA) | 0.6676% | 3,882 |
| Pretax return on assets | 1.0272% | 3,276 |
| Return on Equity (ROE) | 7.3172% | 3,358 |
| Retained earnings to average equity (ytd only) | 3.7933% | 2,772 |
| Net charge-offs to loans | 0.1328% | 4,891 |
| Credit loss provision to net charge-offs | 618.5897% | 695 |
| Earnings coverage of net charge-offs (x) | 15.4026% | 1,933 |
| Efficiency ratio | 57.7179% | 6,746 |
| Assets per employee ($millions) | 3.6839% | 4,209 |
| Cash dividends to net income (ytd only)* | 48.1592% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 1,585 |
| Loan loss allowance to noncurrent loans | 33.0844% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 5.4378% | 602 |
| Noncurrent loans to loans | 5.5002% | 739 |
| Net loans and leases to total assets | 85.5028% | 664 |
| Net loans and leases to deposits | 100.5179% | 1,786 |
| Net loans and leases to core deposits | 122.1847% | 2,490 |
| Total domestic deposits to total assets | 85.0623% | 2,814 |
| Equity capital to assets | 9.1268% | 5,185 |
| Core capital (leverage) ratio | 8.7629% | 5,094 |
| Tier 1 risk-based capital ratio | 9.5352% | 7,271 |
| Total risk-based capital ratio | 10.7916% | 7,177 |
| Memoranda: | ||
| Average total assets | $699,854,400 | 959 |
| Average earning assets | $647,290,000 | 936 |
| Average equity | $63,849,400 | 1,045 |
| Average total loans | $587,478,400 | 815 |