Home > Big Horn Federal Savings Bank > Performance and Condition Ratios
Big Horn Federal Savings 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 | 4.2221% | 4,143 |
| Cost of funding earning assets | 1.5829% | 3,007 |
| Net interest margin | 2.6393% | 3,900 |
| Noninterest income to average assets | 1.0400% | 547 |
| Noninterest expense to average assets | 2.4106% | 2,553 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 0.9393% | 2,450 |
| Return on assets (ROA) | 0.9239% | 2,500 |
| Pretax return on assets | 1.0360% | 2,655 |
| Return on Equity (ROE) | 8.8400% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.8378% | 1,465 |
| Net charge-offs to loans | 0.0410% | 1,269 |
| Credit loss provision to net charge-offs | 287.5000% | 730 |
| Earnings coverage of net charge-offs (x) | 63.9375% | 890 |
| Efficiency ratio | 68.6100% | 1,977 |
| Assets per employee ($millions) | 6.8266% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 1,669 |
| Loan loss allowance to noncurrent loans | 513.4328% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 2,973 |
| Noncurrent loans to loans | 0.2548% | 2,589 |
| Net loans and leases to total assets | 41.4800% | 3,930 |
| Net loans and leases to deposits | 49.3962% | 3,884 |
| Net loans and leases to core deposits | 55.3615% | 3,847 |
| Total domestic deposits to total assets | 83.9700% | 2,914 |
| Equity capital to assets | 10.4958% | 1,920 |
| Core capital (leverage) ratio | 10.7593% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2110% | 449 |
| Memoranda: | ||
| Average total assets | $371,026,000 | 2,170 |
| Average earning assets | $347,219,500 | 2,157 |
| Average equity | $38,788,000 | 2,076 |
| Average total loans | $155,934,500 | 2,712 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 4,208 |
| Cost of funding earning assets | 1.4700% | 3,408 |
| Net interest margin | 2.6599% | 3,689 |
| Noninterest income to average assets | 0.9100% | 736 |
| Noninterest expense to average assets | 2.3498% | 2,717 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.9010% | 2,378 |
| Return on assets (ROA) | 0.8352% | 2,594 |
| Pretax return on assets | 0.9438% | 2,682 |
| Return on Equity (ROE) | 8.1900% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.1943% | 1,054 |
| Net charge-offs to loans | -0.0091% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 69.2841% | 2,091 |
| Assets per employee ($millions) | 7.0498% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 1,585 |
| Loan loss allowance to noncurrent loans | 430.0211% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 2,823 |
| Noncurrent loans to loans | 0.3070% | 2,349 |
| Net loans and leases to total assets | 41.4800% | 3,958 |
| Net loans and leases to deposits | 49.6873% | 3,923 |
| Net loans and leases to core deposits | 55.4485% | 3,898 |
| Total domestic deposits to total assets | 83.4700% | 2,918 |
| Equity capital to assets | 10.4117% | 1,881 |
| Core capital (leverage) ratio | 10.5448% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8924% | 472 |
| Memoranda: | ||
| Average total assets | $361,218,200 | 2,186 |
| Average earning assets | $336,666,000 | 2,177 |
| Average equity | $36,818,200 | 2,100 |
| Average total loans | $142,721,600 | 2,795 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 4,254 |
| Cost of funding earning assets | 1.4131% | 3,492 |
| Net interest margin | 2.6426% | 3,698 |
| Noninterest income to average assets | 0.9400% | 669 |
| Noninterest expense to average assets | 2.4634% | 2,363 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.7941% | 2,711 |
| Return on assets (ROA) | 0.7084% | 2,989 |
| Pretax return on assets | 0.8229% | 2,984 |
| Return on Equity (ROE) | 6.9900% | 3,045 |
| Retained earnings to average equity (ytd only) | 6.9880% | 1,748 |
| Net charge-offs to loans | -0.0010% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 72.4450% | 1,741 |
| Assets per employee ($millions) | 6.7466% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 1,617 |
| Loan loss allowance to noncurrent loans | 276.4706% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 2,332 |
| Noncurrent loans to loans | 0.4780% | 1,884 |
| Net loans and leases to total assets | 39.7200% | 4,039 |
| Net loans and leases to deposits | 47.7722% | 4,011 |
| Net loans and leases to core deposits | 52.8769% | 3,980 |
| Total domestic deposits to total assets | 83.1500% | 2,805 |
| Equity capital to assets | 10.2174% | 2,148 |
| Core capital (leverage) ratio | 10.5362% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5948% | 499 |
| Memoranda: | ||
| Average total assets | $359,875,750 | 2,183 |
| Average earning assets | $335,323,750 | 2,175 |
| Average equity | $36,480,750 | 2,115 |
| Average total loans | $139,882,750 | 2,815 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 4,289 |
| Cost of funding earning assets | 1.3593% | 3,532 |
| Net interest margin | 2.6384% | 3,690 |
| Noninterest income to average assets | 1.1300% | 495 |
| Noninterest expense to average assets | 2.5703% | 2,034 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.8379% | 2,506 |
| Return on assets (ROA) | 0.7446% | 2,816 |
| Pretax return on assets | 0.8979% | 2,770 |
| Return on Equity (ROE) | 7.3700% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.3660% | 1,550 |
| Net charge-offs to loans | -0.0132% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.6612% | 1,899 |
| Assets per employee ($millions) | 6.5353% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 1,534 |
| Loan loss allowance to noncurrent loans | 458.6854% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 2,606 |
| Noncurrent loans to loans | 0.2949% | 2,314 |
| Net loans and leases to total assets | 40.3900% | 4,025 |
| Net loans and leases to deposits | 47.8377% | 4,021 |
| Net loans and leases to core deposits | 52.9739% | 3,982 |
| Total domestic deposits to total assets | 84.4200% | 2,483 |
| Equity capital to assets | 10.3988% | 1,867 |
| Core capital (leverage) ratio | 10.7641% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7209% | 485 |
| Memoranda: | ||
| Average total assets | $356,146,333 | 2,190 |
| Average earning assets | $331,637,333 | 2,180 |
| Average equity | $36,003,333 | 2,099 |
| Average total loans | $136,722,333 | 2,840 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 4,345 |
| Cost of funding earning assets | 1.3075% | 3,546 |
| Net interest margin | 2.5707% | 3,757 |
| Noninterest income to average assets | 1.5500% | 321 |
| Noninterest expense to average assets | 2.8846% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8398% | 2,423 |
| Return on assets (ROA) | 0.7267% | 2,774 |
| Pretax return on assets | 0.9202% | 2,612 |
| Return on Equity (ROE) | 7.2900% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.2919% | 1,743 |
| Net charge-offs to loans | -0.0060% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 73.1085% | 1,832 |
| Assets per employee ($millions) | 6.4946% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 1,499 |
| Loan loss allowance to noncurrent loans | 352.5813% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 2,444 |
| Noncurrent loans to loans | 0.3881% | 1,967 |
| Net loans and leases to total assets | 37.2100% | 4,114 |
| Net loans and leases to deposits | 44.1002% | 4,088 |
| Net loans and leases to core deposits | 48.6115% | 4,104 |
| Total domestic deposits to total assets | 84.3800% | 2,611 |
| Equity capital to assets | 10.0718% | 1,970 |
| Core capital (leverage) ratio | 10.5228% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8273% | 500 |
| Memoranda: | ||
| Average total assets | $357,766,000 | 2,184 |
| Average earning assets | $333,142,500 | 2,176 |
| Average equity | $35,656,000 | 2,110 |
| Average total loans | $132,845,500 | 2,878 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 4,347 |
| Cost of funding earning assets | 0.9200% | 3,476 |
| Net interest margin | 2.6832% | 3,846 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.1790% | 3,186 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7358% | 3,092 |
| Return on assets (ROA) | 0.6967% | 3,176 |
| Pretax return on assets | 0.8402% | 3,114 |
| Return on Equity (ROE) | 7.3600% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.3578% | 1,771 |
| Net charge-offs to loans | 0.0473% | 1,398 |
| Credit loss provision to net charge-offs | 30.5085% | 2,273 |
| Earnings coverage of net charge-offs (x) | 53.3559% | 1,257 |
| Efficiency ratio | 70.9460% | 1,767 |
| Assets per employee ($millions) | 6.7609% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,366 |
| Loan loss allowance to noncurrent loans | 475.2577% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 2,554 |
| Noncurrent loans to loans | 0.2963% | 2,117 |
| Net loans and leases to total assets | 36.0200% | 4,155 |
| Net loans and leases to deposits | 43.4018% | 4,114 |
| Net loans and leases to core deposits | 46.6729% | 4,145 |
| Total domestic deposits to total assets | 83.0000% | 2,892 |
| Equity capital to assets | 9.8611% | 2,089 |
| Core capital (leverage) ratio | 10.3257% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5890% | 506 |
| Memoranda: | ||
| Average total assets | $352,781,200 | 2,186 |
| Average earning assets | $327,701,400 | 2,187 |
| Average equity | $33,406,800 | 2,122 |
| Average total loans | $124,634,000 | 2,906 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5127% | 4,379 |
| Cost of funding earning assets | 0.8324% | 3,450 |
| Net interest margin | 2.6803% | 3,904 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.3214% | 2,726 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5824% | 3,589 |
| Return on assets (ROA) | 0.5779% | 3,586 |
| Pretax return on assets | 0.7315% | 3,487 |
| Return on Equity (ROE) | 6.1700% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.1674% | 2,581 |
| Net charge-offs to loans | 0.0314% | 1,450 |
| Credit loss provision to net charge-offs | 65.5172% | 1,829 |
| Earnings coverage of net charge-offs (x) | 67.6552% | 1,135 |
| Efficiency ratio | 75.7178% | 1,199 |
| Assets per employee ($millions) | 6.5061% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,220 |
| Loan loss allowance to noncurrent loans | 447.4940% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 2,551 |
| Noncurrent loans to loans | 0.3264% | 2,061 |
| Net loans and leases to total assets | 35.3500% | 4,203 |
| Net loans and leases to deposits | 42.5886% | 4,149 |
| Net loans and leases to core deposits | 45.7249% | 4,136 |
| Total domestic deposits to total assets | 83.0100% | 3,016 |
| Equity capital to assets | 9.3135% | 2,215 |
| Core capital (leverage) ratio | 10.0583% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9104% | 560 |
| Memoranda: | ||
| Average total assets | $351,394,500 | 2,193 |
| Average earning assets | $326,423,000 | 2,196 |
| Average equity | $32,924,750 | 2,133 |
| Average total loans | $123,060,000 | 2,924 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4408% | 4,393 |
| Cost of funding earning assets | 0.7213% | 3,422 |
| Net interest margin | 2.7195% | 3,945 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.3072% | 2,784 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5806% | 3,632 |
| Return on assets (ROA) | 0.5738% | 3,649 |
| Pretax return on assets | 0.7261% | 3,550 |
| Return on Equity (ROE) | 6.1100% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.1115% | 2,583 |
| Net charge-offs to loans | 0.0874% | 742 |
| Credit loss provision to net charge-offs | 81.1321% | 1,547 |
| Earnings coverage of net charge-offs (x) | 25.0189% | 1,638 |
| Efficiency ratio | 75.2381% | 1,238 |
| Assets per employee ($millions) | 6.3350% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,139 |
| Loan loss allowance to noncurrent loans | 353.7736% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,247 |
| Noncurrent loans to loans | 0.4279% | 1,655 |
| Net loans and leases to total assets | 35.0100% | 4,212 |
| Net loans and leases to deposits | 41.0429% | 4,184 |
| Net loans and leases to core deposits | 44.0288% | 4,175 |
| Total domestic deposits to total assets | 85.3100% | 2,457 |
| Equity capital to assets | 9.5550% | 2,124 |
| Core capital (leverage) ratio | 10.0688% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8284% | 566 |
| Memoranda: | ||
| Average total assets | $349,248,000 | 2,209 |
| Average earning assets | $324,398,000 | 2,207 |
| Average equity | $32,790,667 | 2,147 |
| Average total loans | $121,289,333 | 2,930 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3198% | 4,422 |
| Cost of funding earning assets | 0.6027% | 3,377 |
| Net interest margin | 2.7171% | 4,047 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.3520% | 2,662 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.5562% | 3,783 |
| Return on assets (ROA) | 0.5571% | 3,747 |
| Pretax return on assets | 0.7047% | 3,651 |
| Return on Equity (ROE) | 5.9900% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.9865% | 2,765 |
| Net charge-offs to loans | 0.1633% | 432 |
| Credit loss provision to net charge-offs | 79.5918% | 1,217 |
| Earnings coverage of net charge-offs (x) | 13.3469% | 1,590 |
| Efficiency ratio | 75.8672% | 1,182 |
| Assets per employee ($millions) | 6.1539% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,122 |
| Loan loss allowance to noncurrent loans | 328.3713% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 2,133 |
| Noncurrent loans to loans | 0.4717% | 1,538 |
| Net loans and leases to total assets | 33.9800% | 4,261 |
| Net loans and leases to deposits | 38.9794% | 4,255 |
| Net loans and leases to core deposits | 41.4639% | 4,231 |
| Total domestic deposits to total assets | 87.1700% | 2,205 |
| Equity capital to assets | 9.4006% | 2,226 |
| Core capital (leverage) ratio | 9.8339% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7809% | 585 |
| Memoranda: | ||
| Average total assets | $349,660,000 | 2,237 |
| Average earning assets | $325,203,000 | 2,235 |
| Average equity | $32,540,000 | 2,183 |
| Average total loans | $119,999,500 | 2,977 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7768% | 4,347 |
| Cost of funding earning assets | 0.2483% | 3,336 |
| Net interest margin | 2.5285% | 4,258 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.2134% | 2,994 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.6481% | 3,764 |
| Return on assets (ROA) | 0.6464% | 3,718 |
| Pretax return on assets | 0.7804% | 3,670 |
| Return on Equity (ROE) | 7.2400% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.2396% | 2,130 |
| Net charge-offs to loans | 0.0140% | 1,861 |
| Credit loss provision to net charge-offs | -931.2500% | 4,662 |
| Earnings coverage of net charge-offs (x) | 163.6875% | 744 |
| Efficiency ratio | 74.9378% | 1,124 |
| Assets per employee ($millions) | 6.1148% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 1,006 |
| Loan loss allowance to noncurrent loans | 344.6069% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,198 |
| Noncurrent loans to loans | 0.4599% | 1,559 |
| Net loans and leases to total assets | 33.5800% | 4,304 |
| Net loans and leases to deposits | 38.7366% | 4,279 |
| Net loans and leases to core deposits | 40.3876% | 4,270 |
| Total domestic deposits to total assets | 86.7000% | 2,497 |
| Equity capital to assets | 9.2111% | 2,220 |
| Core capital (leverage) ratio | 9.6763% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6267% | 573 |
| Memoranda: | ||
| Average total assets | $353,800,000 | 2,210 |
| Average earning assets | $329,804,800 | 2,199 |
| Average equity | $31,590,000 | 2,269 |
| Average total loans | $114,348,400 | 2,985 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6486% | 4,344 |
| Cost of funding earning assets | 0.2029% | 3,229 |
| Net interest margin | 2.4457% | 4,266 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.2554% | 2,775 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.5317% | 4,009 |
| Return on assets (ROA) | 0.5320% | 3,949 |
| Pretax return on assets | 0.6736% | 3,847 |
| Return on Equity (ROE) | 6.0100% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.0051% | 2,759 |
| Net charge-offs to loans | 0.0259% | 1,303 |
| Credit loss provision to net charge-offs | -650.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 1,078 |
| Efficiency ratio | 78.4511% | 877 |
| Assets per employee ($millions) | 6.1176% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 1,068 |
| Loan loss allowance to noncurrent loans | 358.3650% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 2,361 |
| Noncurrent loans to loans | 0.4455% | 1,696 |
| Net loans and leases to total assets | 32.7400% | 4,348 |
| Net loans and leases to deposits | 37.3798% | 4,328 |
| Net loans and leases to core deposits | 39.0139% | 4,311 |
| Total domestic deposits to total assets | 87.6000% | 2,558 |
| Equity capital to assets | 8.6988% | 2,405 |
| Core capital (leverage) ratio | 9.1992% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9463% | 648 |
| Memoranda: | ||
| Average total assets | $355,113,750 | 2,218 |
| Average earning assets | $331,179,500 | 2,202 |
| Average equity | $31,461,250 | 2,299 |
| Average total loans | $113,201,000 | 3,006 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4978% | 4,372 |
| Cost of funding earning assets | 0.1805% | 3,175 |
| Net interest margin | 2.3173% | 4,323 |
| Noninterest income to average assets | 0.5985% | 1,746 |
| Noninterest expense to average assets | 2.2415% | 2,727 |
| Loan and lease loss provision to assets | -0.0631% | 4,543 |
| Net operating income to assets | 0.4589% | 3,988 |
| Return on assets (ROA) | 0.4589% | 3,941 |
| Pretax return on assets | 0.5811% | 3,850 |
| Return on Equity (ROE) | 5.1485% | 3,782 |
| Retained earnings to average equity (ytd only) | 5.1485% | 2,652 |
| Net charge-offs to loans | 0.0950% | 607 |
| Credit loss provision to net charge-offs | -211.3208% | 3,221 |
| Earnings coverage of net charge-offs (x) | 17.3585% | 1,604 |
| Efficiency ratio | 81.2283% | 855 |
| Assets per employee ($millions) | 5.9625% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 1,036 |
| Loan loss allowance to noncurrent loans | 317.8752% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 1,511 |
| Noncurrent loans to loans | 0.5219% | 1,580 |
| Net loans and leases to total assets | 31.2321% | 4,418 |
| Net loans and leases to deposits | 35.5253% | 4,404 |
| Net loans and leases to core deposits | 36.8082% | 4,410 |
| Total domestic deposits to total assets | 87.9151% | 2,607 |
| Equity capital to assets | 8.7332% | 2,591 |
| Core capital (leverage) ratio | 9.0526% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3711% | 594 |
| Memoranda: | ||
| Average total assets | $355,212,333 | 2,226 |
| Average earning assets | $331,252,333 | 2,221 |
| Average equity | $31,660,000 | 2,334 |
| Average total loans | $111,579,333 | 3,044 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4322% | 4,343 |
| Cost of funding earning assets | 0.1805% | 3,081 |
| Net interest margin | 2.2518% | 4,292 |
| Noninterest income to average assets | 0.5278% | 2,007 |
| Noninterest expense to average assets | 2.2263% | 2,753 |
| Loan and lease loss provision to assets | -0.1571% | 4,653 |
| Net operating income to assets | 0.4419% | 3,870 |
| Return on assets (ROA) | 0.4419% | 3,834 |
| Pretax return on assets | 0.5594% | 3,734 |
| Return on Equity (ROE) | 4.9077% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.9077% | 2,620 |
| Net charge-offs to loans | 0.0941% | 546 |
| Credit loss provision to net charge-offs | -534.6154% | 3,155 |
| Earnings coverage of net charge-offs (x) | 13.6923% | 1,385 |
| Efficiency ratio | 84.6948% | 804 |
| Assets per employee ($millions) | 5.8288% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 1,074 |
| Loan loss allowance to noncurrent loans | 497.3615% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 1,869 |
| Noncurrent loans to loans | 0.3392% | 2,265 |
| Net loans and leases to total assets | 30.8922% | 4,422 |
| Net loans and leases to deposits | 35.4412% | 4,402 |
| Net loans and leases to core deposits | 36.7262% | 4,404 |
| Total domestic deposits to total assets | 87.1647% | 2,869 |
| Equity capital to assets | 8.8534% | 2,833 |
| Core capital (leverage) ratio | 9.0788% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2786% | 615 |
| Memoranda: | ||
| Average total assets | $353,943,000 | 2,239 |
| Average earning assets | $330,230,500 | 2,236 |
| Average equity | $31,868,500 | 2,392 |
| Average total loans | $110,560,000 | 3,058 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7076% | 4,306 |
| Cost of funding earning assets | 0.2133% | 3,338 |
| Net interest margin | 2.4943% | 4,198 |
| Noninterest income to average assets | 0.6255% | 2,048 |
| Noninterest expense to average assets | 2.2496% | 2,953 |
| Loan and lease loss provision to assets | -0.0252% | 4,249 |
| Net operating income to assets | 0.6055% | 3,867 |
| Return on assets (ROA) | 0.6028% | 3,914 |
| Pretax return on assets | 0.7166% | 3,896 |
| Return on Equity (ROE) | 6.4450% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.4450% | 2,161 |
| Net charge-offs to loans | 0.0206% | 1,860 |
| Credit loss provision to net charge-offs | -381.8182% | 3,682 |
| Earnings coverage of net charge-offs (x) | 105.4091% | 857 |
| Efficiency ratio | 76.4042% | 1,072 |
| Assets per employee ($millions) | 5.6827% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8739% | 761 |
| Loan loss allowance to noncurrent loans | 373.4062% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 1,771 |
| Noncurrent loans to loans | 0.5019% | 1,868 |
| Net loans and leases to total assets | 30.4674% | 4,493 |
| Net loans and leases to deposits | 35.0688% | 4,501 |
| Net loans and leases to core deposits | 36.5455% | 4,507 |
| Total domestic deposits to total assets | 86.8790% | 2,567 |
| Equity capital to assets | 9.1557% | 3,455 |
| Core capital (leverage) ratio | 9.1565% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1932% | 542 |
| Memoranda: | ||
| Average total assets | $333,787,000 | 2,274 |
| Average earning assets | $310,308,400 | 2,280 |
| Average equity | $31,217,800 | 2,457 |
| Average total loans | $106,805,000 | 3,116 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7529% | 4,357 |
| Cost of funding earning assets | 0.2238% | 3,388 |
| Net interest margin | 2.5291% | 4,222 |
| Noninterest income to average assets | 0.6125% | 2,162 |
| Noninterest expense to average assets | 2.3729% | 2,528 |
| Loan and lease loss provision to assets | -0.0337% | 4,405 |
| Net operating income to assets | 0.5029% | 4,199 |
| Return on assets (ROA) | 0.5039% | 4,238 |
| Pretax return on assets | 0.6226% | 4,201 |
| Return on Equity (ROE) | 5.3577% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.3577% | 3,084 |
| Net charge-offs to loans | 0.0289% | 1,475 |
| Credit loss provision to net charge-offs | -360.8696% | 3,555 |
| Earnings coverage of net charge-offs (x) | 63.0870% | 1,115 |
| Efficiency ratio | 80.1478% | 735 |
| Assets per employee ($millions) | 5.2660% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9227% | 738 |
| Loan loss allowance to noncurrent loans | 132.6861% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 962 |
| Noncurrent loans to loans | 1.4491% | 733 |
| Net loans and leases to total assets | 30.5501% | 4,578 |
| Net loans and leases to deposits | 34.8658% | 4,605 |
| Net loans and leases to core deposits | 36.4750% | 4,602 |
| Total domestic deposits to total assets | 87.6220% | 2,050 |
| Equity capital to assets | 9.2357% | 3,617 |
| Core capital (leverage) ratio | 9.1998% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4640% | 573 |
| Memoranda: | ||
| Average total assets | $329,152,000 | 2,324 |
| Average earning assets | $305,612,750 | 2,329 |
| Average equity | $30,957,750 | 2,501 |
| Average total loans | $106,157,500 | 3,163 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8228% | 4,320 |
| Cost of funding earning assets | 0.2350% | 3,431 |
| Net interest margin | 2.5878% | 4,188 |
| Noninterest income to average assets | 0.5918% | 2,256 |
| Noninterest expense to average assets | 2.4904% | 2,177 |
| Loan and lease loss provision to assets | -0.0480% | 4,514 |
| Net operating income to assets | 0.4525% | 4,299 |
| Return on assets (ROA) | 0.4520% | 4,341 |
| Pretax return on assets | 0.5499% | 4,314 |
| Return on Equity (ROE) | 4.7756% | 4,174 |
| Retained earnings to average equity (ytd only) | 4.7756% | 3,271 |
| Net charge-offs to loans | -0.1472% | 4,725 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2099% | 598 |
| Assets per employee ($millions) | 5.3250% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 583 |
| Loan loss allowance to noncurrent loans | 80.0892% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 835 |
| Noncurrent loans to loans | 2.5249% | 325 |
| Net loans and leases to total assets | 31.6415% | 4,600 |
| Net loans and leases to deposits | 36.2708% | 4,627 |
| Net loans and leases to core deposits | 38.0550% | 4,626 |
| Total domestic deposits to total assets | 87.2367% | 2,204 |
| Equity capital to assets | 9.4151% | 3,413 |
| Core capital (leverage) ratio | 9.2271% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4849% | 573 |
| Memoranda: | ||
| Average total assets | $324,771,667 | 2,333 |
| Average earning assets | $301,336,667 | 2,341 |
| Average equity | $30,739,333 | 2,498 |
| Average total loans | $106,003,000 | 3,182 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8543% | 4,313 |
| Cost of funding earning assets | 0.2517% | 3,462 |
| Net interest margin | 2.6026% | 4,145 |
| Noninterest income to average assets | 0.5738% | 2,316 |
| Noninterest expense to average assets | 2.5049% | 2,166 |
| Loan and lease loss provision to assets | -0.0646% | 4,674 |
| Net operating income to assets | 0.4334% | 4,300 |
| Return on assets (ROA) | 0.4334% | 4,332 |
| Pretax return on assets | 0.5477% | 4,279 |
| Return on Equity (ROE) | 4.5670% | 4,173 |
| Retained earnings to average equity (ytd only) | 4.5670% | 3,347 |
| Net charge-offs to loans | -0.1968% | 4,781 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8321% | 603 |
| Assets per employee ($millions) | 5.3880% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0854% | 511 |
| Loan loss allowance to noncurrent loans | 79.8519% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 911 |
| Noncurrent loans to loans | 2.6115% | 346 |
| Net loans and leases to total assets | 30.8006% | 4,674 |
| Net loans and leases to deposits | 35.4746% | 4,692 |
| Net loans and leases to core deposits | 37.1857% | 4,685 |
| Total domestic deposits to total assets | 86.8243% | 2,379 |
| Equity capital to assets | 9.2821% | 3,414 |
| Core capital (leverage) ratio | 9.3528% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8588% | 528 |
| Memoranda: | ||
| Average total assets | $322,083,000 | 2,330 |
| Average earning assets | $298,774,000 | 2,340 |
| Average equity | $30,567,000 | 2,503 |
| Average total loans | $105,694,500 | 3,194 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 4,073 |
| Cost of funding earning assets | 0.4123% | 3,507 |
| Net interest margin | 3.0617% | 3,724 |
| Noninterest income to average assets | 0.6302% | 2,097 |
| Noninterest expense to average assets | 2.6259% | 2,460 |
| Loan and lease loss provision to assets | 0.0492% | 3,780 |
| Net operating income to assets | 0.6204% | 3,679 |
| Return on assets (ROA) | 0.6201% | 3,803 |
| Pretax return on assets | 0.7624% | 3,733 |
| Return on Equity (ROE) | 6.0274% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.0274% | 1,782 |
| Net charge-offs to loans | 0.1099% | 1,371 |
| Credit loss provision to net charge-offs | 114.6341% | 2,685 |
| Earnings coverage of net charge-offs (x) | 18.9268% | 2,004 |
| Efficiency ratio | 76.3823% | 1,181 |
| Assets per employee ($millions) | 5.1721% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 592 |
| Loan loss allowance to noncurrent loans | 65.5319% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 900 |
| Noncurrent loans to loans | 3.0462% | 280 |
| Net loans and leases to total assets | 33.5487% | 4,659 |
| Net loans and leases to deposits | 38.9855% | 4,682 |
| Net loans and leases to core deposits | 41.0749% | 4,673 |
| Total domestic deposits to total assets | 86.0542% | 2,341 |
| Equity capital to assets | 9.7074% | 3,398 |
| Core capital (leverage) ratio | 9.7094% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8786% | 512 |
| Memoranda: | ||
| Average total assets | $286,720,400 | 2,359 |
| Average earning assets | $262,929,800 | 2,380 |
| Average equity | $29,498,400 | 2,502 |
| Average total loans | $111,929,600 | 3,069 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 3,916 |
| Cost of funding earning assets | 0.4488% | 3,532 |
| Net interest margin | 3.1983% | 3,500 |
| Noninterest income to average assets | 0.6368% | 2,039 |
| Noninterest expense to average assets | 2.8686% | 1,778 |
| Loan and lease loss provision to assets | 0.0902% | 3,184 |
| Net operating income to assets | 0.4750% | 4,100 |
| Return on assets (ROA) | 0.4746% | 4,176 |
| Pretax return on assets | 0.6010% | 4,097 |
| Return on Equity (ROE) | 4.5407% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.5407% | 2,778 |
| Net charge-offs to loans | 0.1689% | 871 |
| Credit loss provision to net charge-offs | 132.1678% | 2,436 |
| Earnings coverage of net charge-offs (x) | 10.1399% | 2,378 |
| Efficiency ratio | 80.5734% | 836 |
| Assets per employee ($millions) | 4.9932% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 564 |
| Loan loss allowance to noncurrent loans | 80.2719% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 1,265 |
| Noncurrent loans to loans | 2.3927% | 456 |
| Net loans and leases to total assets | 37.2430% | 4,634 |
| Net loans and leases to deposits | 43.6502% | 4,670 |
| Net loans and leases to core deposits | 46.0832% | 4,663 |
| Total domestic deposits to total assets | 85.3214% | 2,311 |
| Equity capital to assets | 9.9178% | 3,302 |
| Core capital (leverage) ratio | 9.8491% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7052% | 604 |
| Memoranda: | ||
| Average total assets | $279,525,500 | 2,383 |
| Average earning assets | $255,504,000 | 2,411 |
| Average equity | $29,216,250 | 2,516 |
| Average total loans | $112,911,500 | 3,065 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7202% | 4,042 |
| Cost of funding earning assets | 0.4998% | 3,534 |
| Net interest margin | 3.2204% | 3,609 |
| Noninterest income to average assets | 0.6480% | 1,938 |
| Noninterest expense to average assets | 2.8596% | 1,944 |
| Loan and lease loss provision to assets | 0.2170% | 1,923 |
| Net operating income to assets | 0.4024% | 4,228 |
| Return on assets (ROA) | 0.4024% | 4,290 |
| Pretax return on assets | 0.5095% | 4,234 |
| Return on Equity (ROE) | 3.7796% | 4,174 |
| Retained earnings to average equity (ytd only) | 3.7796% | 3,023 |
| Net charge-offs to loans | 0.5327% | 297 |
| Credit loss provision to net charge-offs | 98.6667% | 2,422 |
| Earnings coverage of net charge-offs (x) | 3.3033% | 2,686 |
| Efficiency ratio | 79.7424% | 911 |
| Assets per employee ($millions) | 4.5715% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 628 |
| Loan loss allowance to noncurrent loans | 73.7478% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 1,195 |
| Noncurrent loans to loans | 2.4699% | 479 |
| Net loans and leases to total assets | 39.9567% | 4,606 |
| Net loans and leases to deposits | 46.5695% | 4,637 |
| Net loans and leases to core deposits | 49.0648% | 4,643 |
| Total domestic deposits to total assets | 85.8002% | 2,094 |
| Equity capital to assets | 10.1905% | 3,028 |
| Core capital (leverage) ratio | 10.1061% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2330% | 647 |
| Memoranda: | ||
| Average total assets | $272,836,667 | 2,393 |
| Average earning assets | $248,914,667 | 2,429 |
| Average equity | $29,050,667 | 2,518 |
| Average total loans | $112,628,000 | 3,060 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 4,293 |
| Cost of funding earning assets | 0.5676% | 3,602 |
| Net interest margin | 3.1854% | 3,896 |
| Noninterest income to average assets | 0.6349% | 1,882 |
| Noninterest expense to average assets | 3.0115% | 1,864 |
| Loan and lease loss provision to assets | 0.0829% | 2,657 |
| Net operating income to assets | 0.3499% | 4,245 |
| Return on assets (ROA) | 0.3499% | 4,276 |
| Pretax return on assets | 0.4434% | 4,214 |
| Return on Equity (ROE) | 3.2109% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.2109% | 2,994 |
| Net charge-offs to loans | 0.0036% | 2,455 |
| Credit loss provision to net charge-offs | 5,500.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 349.0000% | 201 |
| Efficiency ratio | 85.1236% | 761 |
| Assets per employee ($millions) | 4.4262% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0270% | 479 |
| Loan loss allowance to noncurrent loans | 96.1859% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 1,587 |
| Noncurrent loans to loans | 2.1073% | 646 |
| Net loans and leases to total assets | 39.2770% | 4,691 |
| Net loans and leases to deposits | 46.1678% | 4,717 |
| Net loans and leases to core deposits | 50.4316% | 4,667 |
| Total domestic deposits to total assets | 85.0743% | 2,389 |
| Equity capital to assets | 10.7490% | 3,097 |
| Core capital (leverage) ratio | 10.6129% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7556% | 582 |
| Memoranda: | ||
| Average total assets | $265,253,000 | 2,391 |
| Average earning assets | $241,730,000 | 2,432 |
| Average equity | $28,901,500 | 2,522 |
| Average total loans | $110,336,000 | 3,073 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 4,382 |
| Cost of funding earning assets | 0.5624% | 3,815 |
| Net interest margin | 3.3638% | 3,841 |
| Noninterest income to average assets | 0.7036% | 1,805 |
| Noninterest expense to average assets | 2.7185% | 2,836 |
| Loan and lease loss provision to assets | 0.1541% | 1,367 |
| Net operating income to assets | 0.7432% | 3,725 |
| Return on assets (ROA) | 0.7432% | 3,798 |
| Pretax return on assets | 0.9159% | 3,691 |
| Return on Equity (ROE) | 6.9301% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.9301% | 1,418 |
| Net charge-offs to loans | 0.1913% | 1,060 |
| Credit loss provision to net charge-offs | 185.5140% | 1,426 |
| Earnings coverage of net charge-offs (x) | 12.8832% | 2,391 |
| Efficiency ratio | 71.7578% | 1,904 |
| Assets per employee ($millions) | 4.4154% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9025% | 546 |
| Loan loss allowance to noncurrent loans | 74.5037% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 1,106 |
| Noncurrent loans to loans | 2.5536% | 416 |
| Net loans and leases to total assets | 42.3373% | 4,666 |
| Net loans and leases to deposits | 49.9237% | 4,690 |
| Net loans and leases to core deposits | 54.1568% | 4,643 |
| Total domestic deposits to total assets | 84.8039% | 2,571 |
| Equity capital to assets | 11.0480% | 2,946 |
| Core capital (leverage) ratio | 10.7490% | 2,720 |
| Tier 1 risk-based capital ratio | 20.9736% | 1,170 |
| Total risk-based capital ratio | 22.2298% | 1,141 |
| Memoranda: | ||
| Average total assets | $257,683,200 | 2,411 |
| Average earning assets | $236,309,600 | 2,435 |
| Average equity | $27,633,000 | 2,517 |
| Average total loans | $111,866,800 | 3,056 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 4,479 |
| Cost of funding earning assets | 0.5524% | 3,914 |
| Net interest margin | 3.3853% | 3,896 |
| Noninterest income to average assets | 0.6916% | 1,818 |
| Noninterest expense to average assets | 2.9252% | 2,179 |
| Loan and lease loss provision to assets | 0.1811% | 1,008 |
| Net operating income to assets | 0.5463% | 4,413 |
| Return on assets (ROA) | 0.5463% | 4,466 |
| Pretax return on assets | 0.6916% | 4,364 |
| Return on Equity (ROE) | 5.1341% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.1341% | 2,826 |
| Net charge-offs to loans | 0.2566% | 689 |
| Credit loss provision to net charge-offs | 162.3256% | 1,539 |
| Earnings coverage of net charge-offs (x) | 7.8232% | 2,710 |
| Efficiency ratio | 77.0219% | 1,215 |
| Assets per employee ($millions) | 4.7249% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8518% | 602 |
| Loan loss allowance to noncurrent loans | 60.3757% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3665% | 859 |
| Noncurrent loans to loans | 3.0671% | 309 |
| Net loans and leases to total assets | 42.6062% | 4,741 |
| Net loans and leases to deposits | 49.9114% | 4,774 |
| Net loans and leases to core deposits | 53.9597% | 4,747 |
| Total domestic deposits to total assets | 85.3637% | 2,266 |
| Equity capital to assets | 10.7428% | 3,342 |
| Core capital (leverage) ratio | 10.5387% | 3,075 |
| Tier 1 risk-based capital ratio | 20.1183% | 1,343 |
| Total risk-based capital ratio | 21.3733% | 1,316 |
| Memoranda: | ||
| Average total assets | $256,977,000 | 2,435 |
| Average earning assets | $235,797,000 | 2,452 |
| Average equity | $27,346,000 | 2,552 |
| Average total loans | $111,725,750 | 3,089 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 4,563 |
| Cost of funding earning assets | 0.5425% | 3,921 |
| Net interest margin | 3.3529% | 4,021 |
| Noninterest income to average assets | 0.6906% | 1,753 |
| Noninterest expense to average assets | 2.9233% | 2,217 |
| Loan and lease loss provision to assets | 0.2375% | 668 |
| Net operating income to assets | 0.4820% | 4,568 |
| Return on assets (ROA) | 0.4820% | 4,601 |
| Pretax return on assets | 0.6101% | 4,524 |
| Return on Equity (ROE) | 4.5442% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.5442% | 3,000 |
| Net charge-offs to loans | 0.3897% | 428 |
| Credit loss provision to net charge-offs | 140.0922% | 1,564 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,694 |
| Efficiency ratio | 77.5223% | 1,216 |
| Assets per employee ($millions) | 4.4758% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 735 |
| Loan loss allowance to noncurrent loans | 59.6901% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3766% | 879 |
| Noncurrent loans to loans | 2.9522% | 350 |
| Net loans and leases to total assets | 44.6208% | 4,695 |
| Net loans and leases to deposits | 52.3528% | 4,727 |
| Net loans and leases to core deposits | 56.5835% | 4,696 |
| Total domestic deposits to total assets | 85.2309% | 2,373 |
| Equity capital to assets | 10.7706% | 3,289 |
| Core capital (leverage) ratio | 10.5222% | 3,062 |
| Tier 1 risk-based capital ratio | 19.6851% | 1,409 |
| Total risk-based capital ratio | 20.9407% | 1,375 |
| Memoranda: | ||
| Average total assets | $256,013,330 | 2,448 |
| Average earning assets | $235,201,330 | 2,466 |
| Average equity | $27,155,670 | 2,557 |
| Average total loans | $111,364,670 | 3,108 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 4,473 |
| Cost of funding earning assets | 0.5190% | 3,979 |
| Net interest margin | 3.4309% | 3,807 |
| Noninterest income to average assets | 0.6161% | 1,967 |
| Noninterest expense to average assets | 2.9650% | 2,091 |
| Loan and lease loss provision to assets | 0.1809% | 915 |
| Net operating income to assets | 0.4913% | 4,546 |
| Return on assets (ROA) | 0.4913% | 4,567 |
| Pretax return on assets | 0.6254% | 4,470 |
| Return on Equity (ROE) | 4.6676% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.6676% | 3,051 |
| Net charge-offs to loans | 0.2090% | 668 |
| Credit loss provision to net charge-offs | 203.5088% | 1,042 |
| Earnings coverage of net charge-offs (x) | 9.0702% | 2,050 |
| Efficiency ratio | 78.6187% | 1,202 |
| Assets per employee ($millions) | 4.5599% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 631 |
| Loan loss allowance to noncurrent loans | 163.3414% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 2,588 |
| Noncurrent loans to loans | 1.1381% | 1,466 |
| Net loans and leases to total assets | 40.9069% | 4,866 |
| Net loans and leases to deposits | 48.1555% | 4,876 |
| Net loans and leases to core deposits | 51.8499% | 4,842 |
| Total domestic deposits to total assets | 84.9475% | 2,696 |
| Equity capital to assets | 10.4510% | 3,383 |
| Core capital (leverage) ratio | 10.2053% | 3,377 |
| Tier 1 risk-based capital ratio | 20.3159% | 1,281 |
| Total risk-based capital ratio | 21.5723% | 1,250 |
| Memoranda: | ||
| Average total assets | $256,459,500 | 2,475 |
| Average earning assets | $235,859,500 | 2,485 |
| Average equity | $26,994,500 | 2,570 |
| Average total loans | $109,107,500 | 3,183 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 4,694 |
| Cost of funding earning assets | 0.3776% | 4,115 |
| Net interest margin | 3.3015% | 4,255 |
| Noninterest income to average assets | 0.7282% | 1,742 |
| Noninterest expense to average assets | 2.7406% | 2,890 |
| Loan and lease loss provision to assets | 0.1093% | 2,015 |
| Net operating income to assets | 0.7532% | 3,959 |
| Return on assets (ROA) | 0.7532% | 3,962 |
| Pretax return on assets | 0.9209% | 3,841 |
| Return on Equity (ROE) | 7.2671% | 3,741 |
| Retained earnings to average equity (ytd only) | 7.2671% | 1,552 |
| Net charge-offs to loans | -0.0129% | 4,566 |
| Credit loss provision to net charge-offs | -1,935.7143% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6796% | 1,814 |
| Assets per employee ($millions) | 4.4386% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 708 |
| Loan loss allowance to noncurrent loans | 127.4446% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 2,079 |
| Noncurrent loans to loans | 1.3961% | 1,119 |
| Net loans and leases to total assets | 42.6566% | 4,859 |
| Net loans and leases to deposits | 51.7098% | 4,829 |
| Net loans and leases to core deposits | 54.6870% | 4,828 |
| Total domestic deposits to total assets | 82.4922% | 3,486 |
| Equity capital to assets | 10.6027% | 3,075 |
| Core capital (leverage) ratio | 10.3370% | 3,215 |
| Tier 1 risk-based capital ratio | 20.3055% | 1,253 |
| Total risk-based capital ratio | 21.5625% | 1,232 |
| Memoranda: | ||
| Average total assets | $248,010,200 | 2,483 |
| Average earning assets | $228,562,400 | 2,493 |
| Average equity | $25,704,800 | 2,588 |
| Average total loans | $108,430,000 | 3,157 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,751 |
| Cost of funding earning assets | 0.3586% | 4,126 |
| Net interest margin | 3.2727% | 4,352 |
| Noninterest income to average assets | 0.7240% | 1,774 |
| Noninterest expense to average assets | 2.8723% | 2,388 |
| Loan and lease loss provision to assets | 0.1399% | 1,425 |
| Net operating income to assets | 0.5695% | 4,591 |
| Return on assets (ROA) | 0.5695% | 4,591 |
| Pretax return on assets | 0.7300% | 4,467 |
| Return on Equity (ROE) | 5.5273% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.5273% | 2,938 |
| Net charge-offs to loans | -0.0136% | 4,481 |
| Credit loss provision to net charge-offs | -2,354.5455% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7543% | 1,263 |
| Assets per employee ($millions) | 4.5083% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7672% | 772 |
| Loan loss allowance to noncurrent loans | 118.0767% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 2,108 |
| Noncurrent loans to loans | 1.4967% | 1,094 |
| Net loans and leases to total assets | 42.7131% | 4,925 |
| Net loans and leases to deposits | 51.0989% | 4,914 |
| Net loans and leases to core deposits | 53.4726% | 4,924 |
| Total domestic deposits to total assets | 83.5891% | 3,090 |
| Equity capital to assets | 10.2933% | 3,340 |
| Core capital (leverage) ratio | 10.2838% | 3,311 |
| Tier 1 risk-based capital ratio | 19.7148% | 1,398 |
| Total risk-based capital ratio | 20.9710% | 1,361 |
| Memoranda: | ||
| Average total assets | $246,762,250 | 2,510 |
| Average earning assets | $227,570,500 | 2,514 |
| Average equity | $25,424,750 | 2,623 |
| Average total loans | $108,068,250 | 3,192 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6200% | 4,733 |
| Cost of funding earning assets | 0.3453% | 4,105 |
| Net interest margin | 3.2747% | 4,321 |
| Noninterest income to average assets | 0.7498% | 1,648 |
| Noninterest expense to average assets | 2.9388% | 2,232 |
| Loan and lease loss provision to assets | 0.2083% | 808 |
| Net operating income to assets | 0.4868% | 4,774 |
| Return on assets (ROA) | 0.4868% | 4,780 |
| Pretax return on assets | 0.6240% | 4,694 |
| Return on Equity (ROE) | 4.7232% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.7232% | 3,223 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9294% | 1,207 |
| Assets per employee ($millions) | 4.1134% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 813 |
| Loan loss allowance to noncurrent loans | 158.3059% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 2,603 |
| Noncurrent loans to loans | 1.1092% | 1,590 |
| Net loans and leases to total assets | 43.6376% | 4,922 |
| Net loans and leases to deposits | 52.2981% | 4,898 |
| Net loans and leases to core deposits | 55.5436% | 4,881 |
| Total domestic deposits to total assets | 83.4402% | 3,270 |
| Equity capital to assets | 10.3479% | 3,282 |
| Core capital (leverage) ratio | 10.2296% | 3,320 |
| Tier 1 risk-based capital ratio | 19.5242% | 1,423 |
| Total risk-based capital ratio | 20.7802% | 1,382 |
| Memoranda: | ||
| Average total assets | $244,861,000 | 2,534 |
| Average earning assets | $225,911,000 | 2,543 |
| Average equity | $25,237,330 | 2,651 |
| Average total loans | $107,499,000 | 3,211 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5423% | 4,805 |
| Cost of funding earning assets | 0.3372% | 4,087 |
| Net interest margin | 3.2051% | 4,440 |
| Noninterest income to average assets | 0.7889% | 1,492 |
| Noninterest expense to average assets | 2.9964% | 2,071 |
| Loan and lease loss provision to assets | 0.2509% | 589 |
| Net operating income to assets | 0.3920% | 4,941 |
| Return on assets (ROA) | 0.3920% | 4,948 |
| Pretax return on assets | 0.5035% | 4,862 |
| Return on Equity (ROE) | 3.8108% | 4,818 |
| Retained earnings to average equity (ytd only) | 3.8108% | 3,671 |
| Net charge-offs to loans | 0.1804% | 813 |
| Credit loss provision to net charge-offs | 318.7500% | 784 |
| Earnings coverage of net charge-offs (x) | 9.5833% | 1,954 |
| Efficiency ratio | 79.8863% | 1,150 |
| Assets per employee ($millions) | 4.3140% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 1,037 |
| Loan loss allowance to noncurrent loans | 240.5149% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 3,647 |
| Noncurrent loans to loans | 0.6891% | 2,488 |
| Net loans and leases to total assets | 42.8293% | 4,948 |
| Net loans and leases to deposits | 51.5593% | 4,897 |
| Net loans and leases to core deposits | 54.5860% | 4,897 |
| Total domestic deposits to total assets | 83.0681% | 3,645 |
| Equity capital to assets | 10.2470% | 3,341 |
| Core capital (leverage) ratio | 10.1519% | 3,355 |
| Tier 1 risk-based capital ratio | 19.6133% | 1,415 |
| Total risk-based capital ratio | 20.8692% | 1,383 |
| Memoranda: | ||
| Average total assets | $243,890,000 | 2,561 |
| Average earning assets | $225,393,000 | 2,567 |
| Average equity | $25,086,500 | 2,682 |
| Average total loans | $106,436,500 | 3,253 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4308% | 4,900 |
| Cost of funding earning assets | 0.2848% | 4,275 |
| Net interest margin | 3.1460% | 4,589 |
| Noninterest income to average assets | 0.7325% | 1,836 |
| Noninterest expense to average assets | 2.7303% | 3,029 |
| Loan and lease loss provision to assets | 0.1258% | 1,820 |
| Net operating income to assets | 0.4528% | 4,525 |
| Return on assets (ROA) | 0.4528% | 4,555 |
| Pretax return on assets | 0.7757% | 4,317 |
| Return on Equity (ROE) | 4.4246% | 4,375 |
| Retained earnings to average equity (ytd only) | 4.4246% | 2,505 |
| Net charge-offs to loans | 0.2461% | 1,056 |
| Credit loss provision to net charge-offs | 119.5219% | 2,187 |
| Earnings coverage of net charge-offs (x) | 8.5657% | 2,895 |
| Efficiency ratio | 75.1789% | 1,738 |
| Assets per employee ($millions) | 4.2436% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,189 |
| Loan loss allowance to noncurrent loans | 131.2893% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 2,561 |
| Noncurrent loans to loans | 1.2025% | 1,474 |
| Net loans and leases to total assets | 43.0423% | 5,031 |
| Net loans and leases to deposits | 51.6900% | 5,001 |
| Net loans and leases to core deposits | 54.7615% | 4,974 |
| Total domestic deposits to total assets | 83.2700% | 3,476 |
| Equity capital to assets | 10.3257% | 3,357 |
| Core capital (leverage) ratio | 10.0918% | 3,335 |
| Tier 1 risk-based capital ratio | 19.7493% | 1,367 |
| Total risk-based capital ratio | 21.0036% | 1,336 |
| Memoranda: | ||
| Average total assets | $238,507,800 | 2,573 |
| Average earning assets | $219,800,800 | 2,584 |
| Average equity | $24,408,800 | 2,723 |
| Average total loans | $102,008,200 | 3,314 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 4,929 |
| Cost of funding earning assets | 0.2716% | 4,392 |
| Net interest margin | 3.1541% | 4,569 |
| Noninterest income to average assets | 0.7540% | 1,765 |
| Noninterest expense to average assets | 2.8684% | 2,512 |
| Loan and lease loss provision to assets | 0.1498% | 1,397 |
| Net operating income to assets | 0.4381% | 4,905 |
| Return on assets (ROA) | 0.4381% | 4,935 |
| Pretax return on assets | 0.6418% | 4,753 |
| Return on Equity (ROE) | 4.2911% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.2911% | 3,348 |
| Net charge-offs to loans | 0.2559% | 845 |
| Credit loss provision to net charge-offs | 137.6289% | 1,794 |
| Earnings coverage of net charge-offs (x) | 7.2732% | 2,896 |
| Efficiency ratio | 78.3722% | 1,281 |
| Assets per employee ($millions) | 4.3373% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,148 |
| Loan loss allowance to noncurrent loans | 223.4828% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 3,489 |
| Noncurrent loans to loans | 0.7353% | 2,518 |
| Net loans and leases to total assets | 41.7469% | 5,123 |
| Net loans and leases to deposits | 49.6419% | 5,141 |
| Net loans and leases to core deposits | 52.0903% | 5,137 |
| Total domestic deposits to total assets | 84.0961% | 3,088 |
| Equity capital to assets | 10.1663% | 3,736 |
| Core capital (leverage) ratio | 9.8754% | 3,723 |
| Tier 1 risk-based capital ratio | 19.7573% | 1,424 |
| Total risk-based capital ratio | 21.0121% | 1,382 |
| Memoranda: | ||
| Average total assets | $237,664,000 | 2,599 |
| Average earning assets | $218,968,750 | 2,609 |
| Average equity | $24,267,000 | 2,759 |
| Average total loans | $101,064,750 | 3,363 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3606% | 5,016 |
| Cost of funding earning assets | 0.2652% | 4,416 |
| Net interest margin | 3.0953% | 4,698 |
| Noninterest income to average assets | 0.7223% | 1,896 |
| Noninterest expense to average assets | 2.8569% | 2,556 |
| Loan and lease loss provision to assets | 0.1670% | 1,189 |
| Net operating income to assets | 0.3586% | 5,071 |
| Return on assets (ROA) | 0.3586% | 5,096 |
| Pretax return on assets | 0.5476% | 4,908 |
| Return on Equity (ROE) | 3.5067% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.5067% | 3,622 |
| Net charge-offs to loans | 0.3188% | 639 |
| Credit loss provision to net charge-offs | 123.1250% | 1,755 |
| Earnings coverage of net charge-offs (x) | 5.2688% | 2,840 |
| Efficiency ratio | 79.9905% | 1,209 |
| Assets per employee ($millions) | 4.1085% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,231 |
| Loan loss allowance to noncurrent loans | 302.0036% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 3,901 |
| Noncurrent loans to loans | 0.5341% | 3,159 |
| Net loans and leases to total assets | 42.4431% | 5,118 |
| Net loans and leases to deposits | 50.4681% | 5,121 |
| Net loans and leases to core deposits | 51.8883% | 5,152 |
| Total domestic deposits to total assets | 84.0989% | 3,157 |
| Equity capital to assets | 10.2144% | 3,657 |
| Core capital (leverage) ratio | 9.9283% | 3,619 |
| Tier 1 risk-based capital ratio | 19.2682% | 1,528 |
| Total risk-based capital ratio | 20.5226% | 1,476 |
| Memoranda: | ||
| Average total assets | $235,922,000 | 2,632 |
| Average earning assets | $217,165,670 | 2,637 |
| Average equity | $24,125,000 | 2,767 |
| Average total loans | $100,388,670 | 3,391 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2885% | 5,124 |
| Cost of funding earning assets | 0.2534% | 4,507 |
| Net interest margin | 3.0351% | 4,818 |
| Noninterest income to average assets | 0.7276% | 1,840 |
| Noninterest expense to average assets | 2.8883% | 2,489 |
| Loan and lease loss provision to assets | 0.1278% | 1,509 |
| Net operating income to assets | 0.3357% | 5,114 |
| Return on assets (ROA) | 0.3357% | 5,137 |
| Pretax return on assets | 0.5078% | 4,955 |
| Return on Equity (ROE) | 3.2809% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.2809% | 3,795 |
| Net charge-offs to loans | 0.2057% | 846 |
| Credit loss provision to net charge-offs | 147.0588% | 1,230 |
| Earnings coverage of net charge-offs (x) | 7.3137% | 2,145 |
| Efficiency ratio | 81.9632% | 1,162 |
| Assets per employee ($millions) | 4.1531% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 1,306 |
| Loan loss allowance to noncurrent loans | 262.1019% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 3,984 |
| Noncurrent loans to loans | 0.6231% | 2,958 |
| Net loans and leases to total assets | 41.8792% | 5,168 |
| Net loans and leases to deposits | 50.2069% | 5,122 |
| Net loans and leases to core deposits | 51.5324% | 5,164 |
| Total domestic deposits to total assets | 83.4132% | 3,695 |
| Equity capital to assets | 10.1865% | 3,523 |
| Core capital (leverage) ratio | 10.0154% | 3,473 |
| Tier 1 risk-based capital ratio | 19.4991% | 1,493 |
| Total risk-based capital ratio | 20.7547% | 1,462 |
| Memoranda: | ||
| Average total assets | $234,737,500 | 2,659 |
| Average earning assets | $216,266,500 | 2,677 |
| Average equity | $24,017,500 | 2,790 |
| Average total loans | $99,185,000 | 3,433 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3308% | 5,115 |
| Cost of funding earning assets | 0.2458% | 4,604 |
| Net interest margin | 3.0850% | 4,767 |
| Noninterest income to average assets | 0.7000% | 2,169 |
| Noninterest expense to average assets | 2.9146% | 2,622 |
| Loan and lease loss provision to assets | 0.0448% | 3,489 |
| Net operating income to assets | 0.4242% | 4,863 |
| Return on assets (ROA) | 0.4242% | 4,945 |
| Pretax return on assets | 0.5847% | 4,828 |
| Return on Equity (ROE) | 4.2588% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.2588% | 2,878 |
| Net charge-offs to loans | -0.0386% | 5,321 |
| Credit loss provision to net charge-offs | -283.7838% | 5,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2375% | 1,180 |
| Assets per employee ($millions) | 4.1563% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 1,229 |
| Loan loss allowance to noncurrent loans | 246.3526% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 4,144 |
| Noncurrent loans to loans | 0.6743% | 2,848 |
| Net loans and leases to total assets | 41.2308% | 5,268 |
| Net loans and leases to deposits | 48.6342% | 5,269 |
| Net loans and leases to core deposits | 49.9165% | 5,304 |
| Total domestic deposits to total assets | 84.7773% | 3,142 |
| Equity capital to assets | 10.2775% | 3,415 |
| Core capital (leverage) ratio | 9.8336% | 3,707 |
| Tier 1 risk-based capital ratio | 19.9279% | 1,390 |
| Total risk-based capital ratio | 21.1862% | 1,356 |
| Memoranda: | ||
| Average total assets | $234,299,600 | 2,621 |
| Average earning assets | $216,015,200 | 2,641 |
| Average equity | $23,339,800 | 2,864 |
| Average total loans | $95,816,000 | 3,463 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 5,206 |
| Cost of funding earning assets | 0.2445% | 4,658 |
| Net interest margin | 3.0645% | 4,866 |
| Noninterest income to average assets | 0.7067% | 2,138 |
| Noninterest expense to average assets | 2.9781% | 2,378 |
| Loan and lease loss provision to assets | 0.0858% | 2,508 |
| Net operating income to assets | 0.3096% | 5,265 |
| Return on assets (ROA) | 0.3096% | 5,353 |
| Pretax return on assets | 0.4693% | 5,189 |
| Return on Equity (ROE) | 3.1329% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.1329% | 4,037 |
| Net charge-offs to loans | 0.0322% | 3,006 |
| Credit loss provision to net charge-offs | 656.5217% | 586 |
| Earnings coverage of net charge-offs (x) | 42.4724% | 1,190 |
| Efficiency ratio | 84.2901% | 973 |
| Assets per employee ($millions) | 4.1984% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 1,344 |
| Loan loss allowance to noncurrent loans | 182.9157% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 3,928 |
| Noncurrent loans to loans | 0.8974% | 2,459 |
| Net loans and leases to total assets | 40.9311% | 5,338 |
| Net loans and leases to deposits | 48.5618% | 5,362 |
| Net loans and leases to core deposits | 50.0380% | 5,382 |
| Total domestic deposits to total assets | 84.2865% | 3,098 |
| Equity capital to assets | 9.9877% | 4,137 |
| Core capital (leverage) ratio | 9.6054% | 4,049 |
| Tier 1 risk-based capital ratio | 19.6418% | 1,512 |
| Total risk-based capital ratio | 20.8993% | 1,477 |
| Memoranda: | ||
| Average total assets | $234,686,750 | 2,633 |
| Average earning assets | $216,453,250 | 2,643 |
| Average equity | $23,194,500 | 2,893 |
| Average total loans | $95,373,500 | 3,483 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2982% | 5,290 |
| Cost of funding earning assets | 0.2441% | 4,717 |
| Net interest margin | 3.0541% | 4,967 |
| Noninterest income to average assets | 0.6933% | 2,174 |
| Noninterest expense to average assets | 2.9930% | 2,375 |
| Loan and lease loss provision to assets | 0.0912% | 2,323 |
| Net operating income to assets | 0.2805% | 5,369 |
| Return on assets (ROA) | 0.2805% | 5,452 |
| Pretax return on assets | 0.4255% | 5,293 |
| Return on Equity (ROE) | 2.8486% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.8486% | 4,092 |
| Net charge-offs to loans | 0.0296% | 2,881 |
| Credit loss provision to net charge-offs | 764.2857% | 468 |
| Earnings coverage of net charge-offs (x) | 43.2857% | 1,098 |
| Efficiency ratio | 85.2770% | 941 |
| Assets per employee ($millions) | 3.9823% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 1,435 |
| Loan loss allowance to noncurrent loans | 171.5376% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 3,931 |
| Noncurrent loans to loans | 0.9539% | 2,376 |
| Net loans and leases to total assets | 40.2443% | 5,408 |
| Net loans and leases to deposits | 47.5010% | 5,440 |
| Net loans and leases to core deposits | 48.9268% | 5,468 |
| Total domestic deposits to total assets | 84.7230% | 2,990 |
| Equity capital to assets | 9.9049% | 4,335 |
| Core capital (leverage) ratio | 9.4961% | 4,211 |
| Tier 1 risk-based capital ratio | 19.8435% | 1,490 |
| Total risk-based capital ratio | 21.1002% | 1,455 |
| Memoranda: | ||
| Average total assets | $234,545,670 | 2,644 |
| Average earning assets | $216,300,000 | 2,654 |
| Average equity | $23,098,670 | 2,916 |
| Average total loans | $94,551,670 | 3,509 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 5,267 |
| Cost of funding earning assets | 0.2444% | 4,758 |
| Net interest margin | 3.0827% | 4,910 |
| Noninterest income to average assets | 0.6640% | 2,201 |
| Noninterest expense to average assets | 2.9205% | 2,633 |
| Loan and lease loss provision to assets | 0.1826% | 1,096 |
| Net operating income to assets | 0.2663% | 5,389 |
| Return on assets (ROA) | 0.2663% | 5,461 |
| Pretax return on assets | 0.4028% | 5,306 |
| Return on Equity (ROE) | 2.7116% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.7116% | 4,155 |
| Net charge-offs to loans | 0.1109% | 1,463 |
| Credit loss provision to net charge-offs | 411.5385% | 698 |
| Earnings coverage of net charge-offs (x) | 13.1923% | 1,750 |
| Efficiency ratio | 83.3009% | 1,224 |
| Assets per employee ($millions) | 4.2396% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 1,447 |
| Loan loss allowance to noncurrent loans | 169.5652% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 3,925 |
| Noncurrent loans to loans | 0.9810% | 2,423 |
| Net loans and leases to total assets | 39.5515% | 5,476 |
| Net loans and leases to deposits | 46.1383% | 5,497 |
| Net loans and leases to core deposits | 47.7074% | 5,521 |
| Total domestic deposits to total assets | 85.7237% | 2,799 |
| Equity capital to assets | 9.9041% | 4,209 |
| Core capital (leverage) ratio | 9.5170% | 4,169 |
| Tier 1 risk-based capital ratio | 19.8276% | 1,541 |
| Total risk-based capital ratio | 21.0858% | 1,506 |
| Memoranda: | ||
| Average total assets | $234,341,000 | 2,656 |
| Average earning assets | $216,043,000 | 2,666 |
| Average equity | $23,012,000 | 2,926 |
| Average total loans | $93,763,000 | 3,540 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2533% | 5,428 |
| Cost of funding earning assets | 0.2572% | 4,713 |
| Net interest margin | 2.9961% | 5,147 |
| Noninterest income to average assets | 0.6989% | 2,207 |
| Noninterest expense to average assets | 2.8460% | 3,048 |
| Loan and lease loss provision to assets | -0.0082% | 5,619 |
| Net operating income to assets | 0.4532% | 4,873 |
| Return on assets (ROA) | 0.4545% | 4,953 |
| Pretax return on assets | 0.6301% | 4,745 |
| Return on Equity (ROE) | 4.7325% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.7325% | 2,618 |
| Net charge-offs to loans | -0.0499% | 5,552 |
| Credit loss provision to net charge-offs | 40.4255% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1083% | 1,398 |
| Assets per employee ($millions) | 4.1317% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,694 |
| Loan loss allowance to noncurrent loans | 176.7943% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 4,103 |
| Noncurrent loans to loans | 0.8918% | 2,568 |
| Net loans and leases to total assets | 39.1767% | 5,561 |
| Net loans and leases to deposits | 46.0567% | 5,559 |
| Net loans and leases to core deposits | 47.3185% | 5,592 |
| Total domestic deposits to total assets | 85.0619% | 3,059 |
| Equity capital to assets | 9.7365% | 4,253 |
| Core capital (leverage) ratio | 9.4192% | 4,291 |
| Tier 1 risk-based capital ratio | 19.6540% | 1,554 |
| Total risk-based capital ratio | 20.9156% | 1,522 |
| Memoranda: | ||
| Average total assets | $232,360,800 | 2,643 |
| Average earning assets | $214,611,800 | 2,637 |
| Average equity | $22,314,000 | 2,937 |
| Average total loans | $94,160,000 | 3,499 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2358% | 5,527 |
| Cost of funding earning assets | 0.2586% | 4,784 |
| Net interest margin | 2.9771% | 5,254 |
| Noninterest income to average assets | 0.6949% | 2,248 |
| Noninterest expense to average assets | 2.9369% | 2,719 |
| Loan and lease loss provision to assets | -0.0138% | 5,829 |
| Net operating income to assets | 0.3086% | 5,428 |
| Return on assets (ROA) | 0.3086% | 5,515 |
| Pretax return on assets | 0.5222% | 5,167 |
| Return on Equity (ROE) | 3.2250% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.2250% | 4,167 |
| Net charge-offs to loans | -0.0184% | 5,184 |
| Credit loss provision to net charge-offs | 184.6154% | 1,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2440% | 1,063 |
| Assets per employee ($millions) | 4.1767% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 1,933 |
| Loan loss allowance to noncurrent loans | 163.3787% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 4,260 |
| Noncurrent loans to loans | 0.9553% | 2,593 |
| Net loans and leases to total assets | 38.8591% | 5,653 |
| Net loans and leases to deposits | 45.7204% | 5,661 |
| Net loans and leases to core deposits | 46.9805% | 5,696 |
| Total domestic deposits to total assets | 84.9928% | 3,012 |
| Equity capital to assets | 9.5868% | 4,649 |
| Core capital (leverage) ratio | 9.2887% | 4,600 |
| Tier 1 risk-based capital ratio | 19.8333% | 1,592 |
| Total risk-based capital ratio | 21.0937% | 1,551 |
| Memoranda: | ||
| Average total assets | $231,574,750 | 2,674 |
| Average earning assets | $213,936,250 | 2,659 |
| Average equity | $22,160,000 | 2,970 |
| Average total loans | $94,264,750 | 3,525 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1975% | 5,629 |
| Cost of funding earning assets | 0.2578% | 4,863 |
| Net interest margin | 2.9397% | 5,362 |
| Noninterest income to average assets | 0.6872% | 2,269 |
| Noninterest expense to average assets | 2.9324% | 2,778 |
| Loan and lease loss provision to assets | -0.0442% | 6,020 |
| Net operating income to assets | 0.3016% | 5,435 |
| Return on assets (ROA) | 0.3016% | 5,535 |
| Pretax return on assets | 0.5165% | 5,185 |
| Return on Equity (ROE) | 3.1533% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.1533% | 4,048 |
| Net charge-offs to loans | -0.0716% | 5,672 |
| Credit loss provision to net charge-offs | 150.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1288% | 1,050 |
| Assets per employee ($millions) | 3.7703% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 2,222 |
| Loan loss allowance to noncurrent loans | 188.1890% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 4,552 |
| Noncurrent loans to loans | 0.8057% | 3,102 |
| Net loans and leases to total assets | 40.4983% | 5,599 |
| Net loans and leases to deposits | 47.3745% | 5,618 |
| Net loans and leases to core deposits | 48.5656% | 5,675 |
| Total domestic deposits to total assets | 85.4855% | 2,928 |
| Equity capital to assets | 9.6704% | 4,439 |
| Core capital (leverage) ratio | 9.2731% | 4,590 |
| Tier 1 risk-based capital ratio | 19.4858% | 1,673 |
| Total risk-based capital ratio | 20.7460% | 1,640 |
| Memoranda: | ||
| Average total assets | $230,801,670 | 2,695 |
| Average earning assets | $213,354,670 | 2,681 |
| Average equity | $22,072,330 | 2,989 |
| Average total loans | $94,909,670 | 3,537 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1608% | 5,709 |
| Cost of funding earning assets | 0.2561% | 4,951 |
| Net interest margin | 2.9047% | 5,443 |
| Noninterest income to average assets | 0.6574% | 2,371 |
| Noninterest expense to average assets | 2.8978% | 2,915 |
| Loan and lease loss provision to assets | -0.1228% | 6,221 |
| Net operating income to assets | 0.3201% | 5,338 |
| Return on assets (ROA) | 0.3201% | 5,447 |
| Pretax return on assets | 0.5709% | 4,996 |
| Return on Equity (ROE) | 3.3655% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.3655% | 3,964 |
| Net charge-offs to loans | -0.3197% | 6,161 |
| Credit loss provision to net charge-offs | 93.4211% | 1,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6081% | 1,123 |
| Assets per employee ($millions) | 3.8694% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 2,166 |
| Loan loss allowance to noncurrent loans | 162.3188% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 4,477 |
| Noncurrent loans to loans | 0.9656% | 2,843 |
| Net loans and leases to total assets | 39.3855% | 5,633 |
| Net loans and leases to deposits | 45.3459% | 5,689 |
| Net loans and leases to core deposits | 47.4365% | 5,694 |
| Total domestic deposits to total assets | 86.8558% | 2,449 |
| Equity capital to assets | 9.5127% | 4,739 |
| Core capital (leverage) ratio | 9.1640% | 4,770 |
| Tier 1 risk-based capital ratio | 19.7946% | 1,670 |
| Total risk-based capital ratio | 21.0550% | 1,628 |
| Memoranda: | ||
| Average total assets | $231,207,500 | 2,712 |
| Average earning assets | $213,994,500 | 2,691 |
| Average equity | $21,988,000 | 3,023 |
| Average total loans | $95,076,500 | 3,543 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4794% | 5,365 |
| Cost of funding earning assets | 0.2752% | 5,051 |
| Net interest margin | 3.2042% | 4,902 |
| Noninterest income to average assets | 0.6786% | 2,409 |
| Noninterest expense to average assets | 2.7953% | 3,500 |
| Loan and lease loss provision to assets | 0.1180% | 2,206 |
| Net operating income to assets | 0.5208% | 4,723 |
| Return on assets (ROA) | 0.5208% | 4,814 |
| Pretax return on assets | 0.7269% | 4,524 |
| Return on Equity (ROE) | 5.4986% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.4986% | 2,259 |
| Net charge-offs to loans | 0.1290% | 2,729 |
| Credit loss provision to net charge-offs | 206.2500% | 1,199 |
| Earnings coverage of net charge-offs (x) | 14.7656% | 2,131 |
| Efficiency ratio | 76.7899% | 2,394 |
| Assets per employee ($millions) | 4.0395% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 2,522 |
| Loan loss allowance to noncurrent loans | 140.3288% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 4,320 |
| Noncurrent loans to loans | 1.0632% | 2,698 |
| Net loans and leases to total assets | 41.6098% | 5,647 |
| Net loans and leases to deposits | 47.9109% | 5,690 |
| Net loans and leases to core deposits | 49.1585% | 5,755 |
| Total domestic deposits to total assets | 86.8483% | 2,357 |
| Equity capital to assets | 9.5075% | 4,709 |
| Core capital (leverage) ratio | 9.0715% | 4,869 |
| Tier 1 risk-based capital ratio | 18.9597% | 1,860 |
| Total risk-based capital ratio | 20.2111% | 1,823 |
| Memoranda: | ||
| Average total assets | $223,697,200 | 2,745 |
| Average earning assets | $206,759,800 | 2,736 |
| Average equity | $21,187,200 | 3,033 |
| Average total loans | $99,195,200 | 3,442 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 5,292 |
| Cost of funding earning assets | 0.2788% | 5,110 |
| Net interest margin | 3.2627% | 4,750 |
| Noninterest income to average assets | 0.6641% | 2,504 |
| Noninterest expense to average assets | 2.9973% | 2,807 |
| Loan and lease loss provision to assets | 0.1591% | 1,567 |
| Net operating income to assets | 0.3452% | 5,444 |
| Return on assets (ROA) | 0.3452% | 5,514 |
| Pretax return on assets | 0.5224% | 5,258 |
| Return on Equity (ROE) | 3.6488% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.6488% | 4,053 |
| Net charge-offs to loans | 0.1592% | 2,212 |
| Credit loss provision to net charge-offs | 222.6891% | 1,165 |
| Earnings coverage of net charge-offs (x) | 9.5380% | 2,657 |
| Efficiency ratio | 81.4754% | 1,679 |
| Assets per employee ($millions) | 4.0570% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 2,792 |
| Loan loss allowance to noncurrent loans | 148.3249% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 4,614 |
| Noncurrent loans to loans | 1.0020% | 3,063 |
| Net loans and leases to total assets | 42.6271% | 5,626 |
| Net loans and leases to deposits | 48.9022% | 5,707 |
| Net loans and leases to core deposits | 50.1866% | 5,778 |
| Total domestic deposits to total assets | 87.1681% | 2,228 |
| Equity capital to assets | 9.3776% | 4,946 |
| Core capital (leverage) ratio | 8.9987% | 5,072 |
| Tier 1 risk-based capital ratio | 18.4311% | 2,074 |
| Total risk-based capital ratio | 19.6831% | 2,041 |
| Memoranda: | ||
| Average total assets | $222,058,750 | 2,783 |
| Average earning assets | $205,184,000 | 2,775 |
| Average equity | $21,011,250 | 3,060 |
| Average total loans | $99,679,500 | 3,456 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 5,221 |
| Cost of funding earning assets | 0.2824% | 5,157 |
| Net interest margin | 3.2928% | 4,620 |
| Noninterest income to average assets | 0.6571% | 2,500 |
| Noninterest expense to average assets | 2.9925% | 2,859 |
| Loan and lease loss provision to assets | 0.2006% | 1,202 |
| Net operating income to assets | 0.3322% | 5,460 |
| Return on assets (ROA) | 0.3322% | 5,530 |
| Pretax return on assets | 0.5019% | 5,273 |
| Return on Equity (ROE) | 3.5002% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.5002% | 3,977 |
| Net charge-offs to loans | 0.2257% | 1,689 |
| Credit loss provision to net charge-offs | 195.5752% | 1,201 |
| Earnings coverage of net charge-offs (x) | 6.8496% | 2,714 |
| Efficiency ratio | 80.9875% | 1,878 |
| Assets per employee ($millions) | 3.6021% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 3,285 |
| Loan loss allowance to noncurrent loans | 180.8132% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 4,954 |
| Noncurrent loans to loans | 0.7813% | 3,745 |
| Net loans and leases to total assets | 45.1938% | 5,444 |
| Net loans and leases to deposits | 52.0505% | 5,498 |
| Net loans and leases to core deposits | 53.9347% | 5,554 |
| Total domestic deposits to total assets | 86.8268% | 2,560 |
| Equity capital to assets | 9.6042% | 4,619 |
| Core capital (leverage) ratio | 9.2117% | 4,720 |
| Tier 1 risk-based capital ratio | 17.9135% | 2,275 |
| Total risk-based capital ratio | 19.1650% | 2,243 |
| Memoranda: | ||
| Average total assets | $220,348,000 | 2,806 |
| Average earning assets | $203,292,330 | 2,801 |
| Average equity | $20,913,330 | 3,071 |
| Average total loans | $100,137,330 | 3,454 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 5,590 |
| Cost of funding earning assets | 0.2886% | 5,188 |
| Net interest margin | 3.1373% | 5,127 |
| Noninterest income to average assets | 0.6218% | 2,611 |
| Noninterest expense to average assets | 2.9058% | 3,186 |
| Loan and lease loss provision to assets | 0.1940% | 1,214 |
| Net operating income to assets | 0.2774% | 5,575 |
| Return on assets (ROA) | 0.2774% | 5,620 |
| Pretax return on assets | 0.4187% | 5,392 |
| Return on Equity (ROE) | 2.9397% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.9397% | 4,337 |
| Net charge-offs to loans | 0.3485% | 1,027 |
| Credit loss provision to net charge-offs | 122.9885% | 1,434 |
| Earnings coverage of net charge-offs (x) | 3.8851% | 2,607 |
| Efficiency ratio | 82.5863% | 1,853 |
| Assets per employee ($millions) | 4.1518% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 3,796 |
| Loan loss allowance to noncurrent loans | 186.7133% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 5,173 |
| Noncurrent loans to loans | 0.7279% | 4,042 |
| Net loans and leases to total assets | 44.0351% | 5,510 |
| Net loans and leases to deposits | 50.3772% | 5,568 |
| Net loans and leases to core deposits | 51.8033% | 5,630 |
| Total domestic deposits to total assets | 87.4108% | 2,560 |
| Equity capital to assets | 9.4953% | 4,508 |
| Core capital (leverage) ratio | 9.1012% | 4,869 |
| Tier 1 risk-based capital ratio | 18.0511% | 2,275 |
| Total risk-based capital ratio | 19.2904% | 2,255 |
| Memoranda: | ||
| Average total assets | $220,658,500 | 2,822 |
| Average earning assets | $203,743,500 | 2,812 |
| Average equity | $20,818,500 | 3,077 |
| Average total loans | $99,843,000 | 3,477 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 5,679 |
| Cost of funding earning assets | 0.3461% | 5,183 |
| Net interest margin | 3.1352% | 5,213 |
| Noninterest income to average assets | 0.6664% | 2,726 |
| Noninterest expense to average assets | 2.7353% | 3,971 |
| Loan and lease loss provision to assets | 0.2061% | 1,797 |
| Net operating income to assets | 0.4603% | 4,909 |
| Return on assets (ROA) | 0.4603% | 5,037 |
| Pretax return on assets | 0.6332% | 4,758 |
| Return on Equity (ROE) | 5.1566% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.1566% | 2,499 |
| Net charge-offs to loans | 0.2253% | 2,659 |
| Credit loss provision to net charge-offs | 203.4934% | 1,128 |
| Earnings coverage of net charge-offs (x) | 8.2882% | 2,695 |
| Efficiency ratio | 76.5215% | 2,699 |
| Assets per employee ($millions) | 4.0231% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 4,163 |
| Loan loss allowance to noncurrent loans | 112.1057% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 4,650 |
| Noncurrent loans to loans | 1.1562% | 3,228 |
| Net loans and leases to total assets | 45.2561% | 5,557 |
| Net loans and leases to deposits | 51.5784% | 5,656 |
| Net loans and leases to core deposits | 52.9931% | 5,731 |
| Total domestic deposits to total assets | 87.7422% | 2,339 |
| Equity capital to assets | 9.3744% | 4,577 |
| Core capital (leverage) ratio | 8.9399% | 5,094 |
| Tier 1 risk-based capital ratio | 17.4834% | 2,424 |
| Total risk-based capital ratio | 18.7276% | 2,401 |
| Memoranda: | ||
| Average total assets | $226,151,400 | 2,753 |
| Average earning assets | $209,780,600 | 2,725 |
| Average equity | $20,187,600 | 3,135 |
| Average total loans | $101,635,800 | 3,409 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4870% | 5,717 |
| Cost of funding earning assets | 0.3568% | 5,230 |
| Net interest margin | 3.1303% | 5,229 |
| Noninterest income to average assets | 0.6632% | 2,809 |
| Noninterest expense to average assets | 2.8487% | 3,494 |
| Loan and lease loss provision to assets | 0.1091% | 2,945 |
| Net operating income to assets | 0.4029% | 5,239 |
| Return on assets (ROA) | 0.4029% | 5,372 |
| Pretax return on assets | 0.6122% | 4,973 |
| Return on Equity (ROE) | 4.5688% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.5688% | 3,423 |
| Net charge-offs to loans | 0.2321% | 2,413 |
| Credit loss provision to net charge-offs | 105.0847% | 2,226 |
| Earnings coverage of net charge-offs (x) | 6.9493% | 2,875 |
| Efficiency ratio | 79.7963% | 2,131 |
| Assets per employee ($millions) | 4.1436% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 5,434 |
| Loan loss allowance to noncurrent loans | 99.2687% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 4,970 |
| Noncurrent loans to loans | 1.0804% | 3,640 |
| Net loans and leases to total assets | 44.7671% | 5,649 |
| Net loans and leases to deposits | 51.3793% | 5,754 |
| Net loans and leases to core deposits | 52.8901% | 5,838 |
| Total domestic deposits to total assets | 87.1306% | 2,617 |
| Equity capital to assets | 9.1162% | 5,034 |
| Core capital (leverage) ratio | 8.7590% | 5,463 |
| Tier 1 risk-based capital ratio | 17.3418% | 2,565 |
| Total risk-based capital ratio | 18.3367% | 2,636 |
| Memoranda: | ||
| Average total assets | $227,371,250 | 2,768 |
| Average earning assets | $211,138,500 | 2,724 |
| Average equity | $20,048,750 | 3,181 |
| Average total loans | $101,681,250 | 3,437 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4008% | 5,907 |
| Cost of funding earning assets | 0.3711% | 5,219 |
| Net interest margin | 3.0297% | 5,497 |
| Noninterest income to average assets | 0.6361% | 2,982 |
| Noninterest expense to average assets | 2.7466% | 3,868 |
| Loan and lease loss provision to assets | 0.1146% | 2,898 |
| Net operating income to assets | 0.3876% | 5,259 |
| Return on assets (ROA) | 0.3876% | 5,424 |
| Pretax return on assets | 0.5897% | 5,051 |
| Return on Equity (ROE) | 4.4450% | 5,026 |
| Retained earnings to average equity (ytd only) | 4.4450% | 3,438 |
| Net charge-offs to loans | 0.2573% | 2,179 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 6.1450% | 2,765 |
| Efficiency ratio | 79.5892% | 2,212 |
| Assets per employee ($millions) | 4.0936% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 5,731 |
| Loan loss allowance to noncurrent loans | 78.9589% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 4,705 |
| Noncurrent loans to loans | 1.2930% | 3,396 |
| Net loans and leases to total assets | 45.5488% | 5,583 |
| Net loans and leases to deposits | 51.6908% | 5,711 |
| Net loans and leases to core deposits | 53.8407% | 5,765 |
| Total domestic deposits to total assets | 88.1177% | 2,164 |
| Equity capital to assets | 8.7925% | 5,451 |
| Core capital (leverage) ratio | 8.4423% | 5,732 |
| Tier 1 risk-based capital ratio | 16.9784% | 2,726 |
| Total risk-based capital ratio | 17.9269% | 2,822 |
| Memoranda: | ||
| Average total assets | $228,576,330 | 2,763 |
| Average earning assets | $212,364,000 | 2,715 |
| Average equity | $19,932,330 | 3,216 |
| Average total loans | $101,823,330 | 3,441 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0799% | 6,418 |
| Cost of funding earning assets | 0.3734% | 5,335 |
| Net interest margin | 2.7065% | 6,206 |
| Noninterest income to average assets | 0.7991% | 2,127 |
| Noninterest expense to average assets | 2.7269% | 3,957 |
| Loan and lease loss provision to assets | 0.0438% | 3,869 |
| Net operating income to assets | 0.3558% | 5,328 |
| Return on assets (ROA) | 0.3558% | 5,468 |
| Pretax return on assets | 0.5433% | 5,137 |
| Return on Equity (ROE) | 4.0968% | 5,043 |
| Retained earnings to average equity (ytd only) | 4.0968% | 3,761 |
| Net charge-offs to loans | 0.1720% | 2,368 |
| Credit loss provision to net charge-offs | 58.1395% | 2,480 |
| Earnings coverage of net charge-offs (x) | 7.7907% | 2,021 |
| Efficiency ratio | 82.2845% | 2,005 |
| Assets per employee ($millions) | 3.9839% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 5,744 |
| Loan loss allowance to noncurrent loans | 92.1671% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 4,987 |
| Noncurrent loans to loans | 1.1513% | 3,856 |
| Net loans and leases to total assets | 42.7339% | 5,785 |
| Net loans and leases to deposits | 48.7098% | 5,869 |
| Net loans and leases to core deposits | 50.8418% | 5,909 |
| Total domestic deposits to total assets | 87.7316% | 2,501 |
| Equity capital to assets | 8.6214% | 5,890 |
| Core capital (leverage) ratio | 8.5775% | 5,472 |
| Tier 1 risk-based capital ratio | 18.4121% | 2,225 |
| Total risk-based capital ratio | 19.3964% | 2,271 |
| Memoranda: | ||
| Average total assets | $228,244,500 | 2,802 |
| Average earning assets | $212,081,500 | 2,746 |
| Average equity | $19,820,500 | 3,262 |
| Average total loans | $99,988,500 | 3,505 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 5,699 |
| Cost of funding earning assets | 0.4748% | 5,385 |
| Net interest margin | 3.3792% | 4,962 |
| Noninterest income to average assets | 0.5041% | 3,870 |
| Noninterest expense to average assets | 2.7350% | 4,269 |
| Loan and lease loss provision to assets | 0.1065% | 4,304 |
| Net operating income to assets | 0.5493% | 4,483 |
| Return on assets (ROA) | 0.5493% | 4,738 |
| Pretax return on assets | 0.7687% | 4,413 |
| Return on Equity (ROE) | 6.2637% | 4,035 |
| Retained earnings to average equity (ytd only) | 6.2637% | 1,941 |
| Net charge-offs to loans | -0.0162% | 6,525 |
| Credit loss provision to net charge-offs | -1,443.7500% | 6,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7595% | 2,787 |
| Assets per employee ($millions) | 3.8866% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 5,652 |
| Loan loss allowance to noncurrent loans | 143.9840% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 5,672 |
| Noncurrent loans to loans | 0.7467% | 4,686 |
| Net loans and leases to total assets | 43.9607% | 5,820 |
| Net loans and leases to deposits | 49.7145% | 5,975 |
| Net loans and leases to core deposits | 51.5730% | 6,045 |
| Total domestic deposits to total assets | 88.4263% | 1,949 |
| Equity capital to assets | 8.7480% | 5,801 |
| Core capital (leverage) ratio | 8.3861% | 5,775 |
| Tier 1 risk-based capital ratio | 17.5042% | 2,454 |
| Total risk-based capital ratio | 18.5051% | 2,515 |
| Memoranda: | ||
| Average total assets | $217,000,000 | 2,870 |
| Average earning assets | $199,456,600 | 2,855 |
| Average equity | $19,030,200 | 3,328 |
| Average total loans | $99,065,200 | 3,549 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 6,145 |
| Cost of funding earning assets | 0.4966% | 5,453 |
| Net interest margin | 3.2456% | 5,564 |
| Noninterest income to average assets | 0.5255% | 3,769 |
| Noninterest expense to average assets | 2.7994% | 3,981 |
| Loan and lease loss provision to assets | 0.0682% | 4,826 |
| Net operating income to assets | 0.4182% | 5,172 |
| Return on assets (ROA) | 0.4182% | 5,404 |
| Pretax return on assets | 0.6341% | 5,068 |
| Return on Equity (ROE) | 4.7654% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.7654% | 3,549 |
| Net charge-offs to loans | -0.1242% | 6,907 |
| Credit loss provision to net charge-offs | -119.5652% | 6,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9433% | 2,101 |
| Assets per employee ($millions) | 3.9649% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 5,990 |
| Loan loss allowance to noncurrent loans | 120.8187% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 5,662 |
| Noncurrent loans to loans | 0.8475% | 4,719 |
| Net loans and leases to total assets | 44.9720% | 5,876 |
| Net loans and leases to deposits | 50.6672% | 6,060 |
| Net loans and leases to core deposits | 52.3923% | 6,159 |
| Total domestic deposits to total assets | 88.7595% | 1,560 |
| Equity capital to assets | 8.6499% | 6,142 |
| Core capital (leverage) ratio | 8.3146% | 5,986 |
| Tier 1 risk-based capital ratio | 17.0193% | 2,724 |
| Total risk-based capital ratio | 17.9751% | 2,846 |
| Memoranda: | ||
| Average total assets | $214,894,000 | 2,919 |
| Average earning assets | $197,059,250 | 2,896 |
| Average equity | $18,857,750 | 3,382 |
| Average total loans | $98,787,750 | 3,595 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 6,312 |
| Cost of funding earning assets | 0.5191% | 5,489 |
| Net interest margin | 3.1942% | 5,759 |
| Noninterest income to average assets | 0.5091% | 3,866 |
| Noninterest expense to average assets | 2.7537% | 4,207 |
| Loan and lease loss provision to assets | 0.0743% | 4,695 |
| Net operating income to assets | 0.4075% | 5,187 |
| Return on assets (ROA) | 0.4075% | 5,426 |
| Pretax return on assets | 0.6174% | 5,079 |
| Return on Equity (ROE) | 4.6207% | 4,987 |
| Retained earnings to average equity (ytd only) | 4.6207% | 3,536 |
| Net charge-offs to loans | -0.1835% | 6,980 |
| Credit loss provision to net charge-offs | -87.7778% | 6,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9235% | 2,193 |
| Assets per employee ($millions) | 3.7269% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 6,190 |
| Loan loss allowance to noncurrent loans | 94.0243% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 5,518 |
| Noncurrent loans to loans | 1.0554% | 4,407 |
| Net loans and leases to total assets | 46.4822% | 5,782 |
| Net loans and leases to deposits | 52.5945% | 5,985 |
| Net loans and leases to core deposits | 54.6520% | 6,051 |
| Total domestic deposits to total assets | 88.3784% | 1,905 |
| Equity capital to assets | 8.7737% | 5,946 |
| Core capital (leverage) ratio | 8.4364% | 5,735 |
| Tier 1 risk-based capital ratio | 16.7212% | 2,801 |
| Total risk-based capital ratio | 17.6488% | 2,926 |
| Memoranda: | ||
| Average total assets | $212,513,330 | 2,945 |
| Average earning assets | $195,356,000 | 2,928 |
| Average equity | $18,741,670 | 3,394 |
| Average total loans | $98,088,000 | 3,620 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6132% | 6,561 |
| Cost of funding earning assets | 0.5656% | 5,388 |
| Net interest margin | 3.0476% | 6,186 |
| Noninterest income to average assets | 0.4765% | 4,094 |
| Noninterest expense to average assets | 2.6294% | 4,708 |
| Loan and lease loss provision to assets | 0.0835% | 4,340 |
| Net operating income to assets | 0.3664% | 5,400 |
| Return on assets (ROA) | 0.3664% | 5,580 |
| Pretax return on assets | 0.5563% | 5,253 |
| Return on Equity (ROE) | 4.1439% | 5,228 |
| Retained earnings to average equity (ytd only) | 4.1439% | 4,104 |
| Net charge-offs to loans | -0.3527% | 7,095 |
| Credit loss provision to net charge-offs | -51.7647% | 5,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4297% | 2,150 |
| Assets per employee ($millions) | 3.7418% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,220 |
| Loan loss allowance to noncurrent loans | 110.6407% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 5,853 |
| Noncurrent loans to loans | 0.9098% | 4,846 |
| Net loans and leases to total assets | 43.8164% | 6,032 |
| Net loans and leases to deposits | 49.5341% | 6,175 |
| Net loans and leases to core deposits | 51.4862% | 6,243 |
| Total domestic deposits to total assets | 88.4571% | 2,035 |
| Equity capital to assets | 8.6280% | 5,954 |
| Core capital (leverage) ratio | 8.2820% | 5,903 |
| Tier 1 risk-based capital ratio | 17.7820% | 2,369 |
| Total risk-based capital ratio | 18.7420% | 2,449 |
| Memoranda: | ||
| Average total assets | $210,691,000 | 2,982 |
| Average earning assets | $193,069,500 | 2,986 |
| Average equity | $18,630,000 | 3,402 |
| Average total loans | $96,391,000 | 3,676 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 6,852 |
| Cost of funding earning assets | 0.6873% | 5,620 |
| Net interest margin | 3.0100% | 6,514 |
| Noninterest income to average assets | 0.8100% | 2,001 |
| Noninterest expense to average assets | 2.9420% | 3,803 |
| Loan and lease loss provision to assets | 0.0447% | 6,019 |
| Net operating income to assets | 0.4427% | 4,681 |
| Return on assets (ROA) | 0.4699% | 4,747 |
| Pretax return on assets | 0.6066% | 4,671 |
| Return on Equity (ROE) | 5.2632% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.2632% | 2,476 |
| Net charge-offs to loans | -0.0600% | 7,079 |
| Credit loss provision to net charge-offs | -160.7143% | 6,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6859% | 1,927 |
| Assets per employee ($millions) | 3.5234% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 6,612 |
| Loan loss allowance to noncurrent loans | 81.3592% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 5,650 |
| Noncurrent loans to loans | 1.0649% | 4,580 |
| Net loans and leases to total assets | 46.9201% | 5,926 |
| Net loans and leases to deposits | 53.5958% | 6,107 |
| Net loans and leases to core deposits | 55.8781% | 6,166 |
| Total domestic deposits to total assets | 87.5443% | 2,449 |
| Equity capital to assets | 9.0700% | 5,466 |
| Core capital (leverage) ratio | 8.6911% | 5,269 |
| Tier 1 risk-based capital ratio | 20.3390% | 1,557 |
| Total risk-based capital ratio | 21.3027% | 1,599 |
| Memoranda: | ||
| Average total assets | $201,121,800 | 3,045 |
| Average earning assets | $183,621,200 | 3,046 |
| Average equity | $17,954,800 | 3,430 |
| Average total loans | $93,332,800 | 3,775 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 6,982 |
| Cost of funding earning assets | 0.7139% | 5,678 |
| Net interest margin | 2.9334% | 6,701 |
| Noninterest income to average assets | 0.7867% | 2,111 |
| Noninterest expense to average assets | 3.0239% | 3,466 |
| Loan and lease loss provision to assets | 0.0206% | 6,183 |
| Net operating income to assets | 0.2897% | 5,430 |
| Return on assets (ROA) | 0.3122% | 5,526 |
| Pretax return on assets | 0.4553% | 5,301 |
| Return on Equity (ROE) | 3.5111% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.5111% | 4,241 |
| Net charge-offs to loans | -0.0433% | 7,026 |
| Credit loss provision to net charge-offs | -103.3333% | 6,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2144% | 1,418 |
| Assets per employee ($millions) | 3.4941% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 6,873 |
| Loan loss allowance to noncurrent loans | 75.6024% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 5,800 |
| Noncurrent loans to loans | 1.0103% | 4,874 |
| Net loans and leases to total assets | 48.2762% | 5,927 |
| Net loans and leases to deposits | 54.9128% | 6,130 |
| Net loans and leases to core deposits | 57.3536% | 6,189 |
| Total domestic deposits to total assets | 87.9142% | 2,084 |
| Equity capital to assets | 8.9110% | 5,846 |
| Core capital (leverage) ratio | 8.5749% | 5,589 |
| Tier 1 risk-based capital ratio | 19.8607% | 1,719 |
| Total risk-based capital ratio | 20.7245% | 1,796 |
| Memoranda: | ||
| Average total assets | $200,313,250 | 3,073 |
| Average earning assets | $183,036,750 | 3,065 |
| Average equity | $17,809,750 | 3,453 |
| Average total loans | $92,485,500 | 3,837 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 7,113 |
| Cost of funding earning assets | 0.7446% | 5,704 |
| Net interest margin | 2.8326% | 6,884 |
| Noninterest income to average assets | 0.7447% | 2,284 |
| Noninterest expense to average assets | 2.9369% | 3,874 |
| Loan and lease loss provision to assets | 0.0150% | 6,093 |
| Net operating income to assets | 0.2837% | 5,434 |
| Return on assets (ROA) | 0.3067% | 5,482 |
| Pretax return on assets | 0.4170% | 5,346 |
| Return on Equity (ROE) | 3.4524% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.4524% | 4,056 |
| Net charge-offs to loans | -0.0575% | 7,055 |
| Credit loss provision to net charge-offs | -57.6923% | 6,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9880% | 1,415 |
| Assets per employee ($millions) | 3.4132% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 6,897 |
| Loan loss allowance to noncurrent loans | 117.8457% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 6,355 |
| Noncurrent loans to loans | 0.6662% | 5,578 |
| Net loans and leases to total assets | 46.0015% | 6,271 |
| Net loans and leases to deposits | 51.9272% | 6,477 |
| Net loans and leases to core deposits | 54.1829% | 6,549 |
| Total domestic deposits to total assets | 88.5885% | 1,793 |
| Equity capital to assets | 8.8854% | 5,722 |
| Core capital (leverage) ratio | 8.5484% | 5,478 |
| Tier 1 risk-based capital ratio | 19.3038% | 1,756 |
| Total risk-based capital ratio | 20.1288% | 1,849 |
| Memoranda: | ||
| Average total assets | $199,531,330 | 3,104 |
| Average earning assets | $182,659,670 | 3,090 |
| Average equity | $17,726,670 | 3,459 |
| Average total loans | $90,451,000 | 3,930 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5678% | 7,163 |
| Cost of funding earning assets | 0.7755% | 5,709 |
| Net interest margin | 2.7922% | 6,915 |
| Noninterest income to average assets | 0.7069% | 2,540 |
| Noninterest expense to average assets | 2.9243% | 3,970 |
| Loan and lease loss provision to assets | 0.0101% | 5,776 |
| Net operating income to assets | 0.2198% | 5,716 |
| Return on assets (ROA) | 0.2437% | 5,704 |
| Pretax return on assets | 0.3686% | 5,443 |
| Return on Equity (ROE) | 2.7432% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.7432% | 4,527 |
| Net charge-offs to loans | -0.0944% | 7,071 |
| Credit loss provision to net charge-offs | -23.8095% | 5,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5191% | 1,375 |
| Assets per employee ($millions) | 3.5690% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 6,929 |
| Loan loss allowance to noncurrent loans | 117.3203% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 6,432 |
| Noncurrent loans to loans | 0.6789% | 5,667 |
| Net loans and leases to total assets | 44.7412% | 6,404 |
| Net loans and leases to deposits | 50.8360% | 6,562 |
| Net loans and leases to core deposits | 53.3318% | 6,598 |
| Total domestic deposits to total assets | 88.0109% | 2,366 |
| Equity capital to assets | 8.8580% | 5,407 |
| Core capital (leverage) ratio | 8.5202% | 5,415 |
| Tier 1 risk-based capital ratio | 20.1470% | 1,561 |
| Total risk-based capital ratio | 20.9996% | 1,613 |
| Memoranda: | ||
| Average total assets | $198,609,000 | 3,133 |
| Average earning assets | $182,075,500 | 3,112 |
| Average equity | $17,643,500 | 3,462 |
| Average total loans | $88,992,000 | 3,999 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 7,078 |
| Cost of funding earning assets | 1.1326% | 4,951 |
| Net interest margin | 2.9308% | 6,853 |
| Noninterest income to average assets | 0.8261% | 2,161 |
| Noninterest expense to average assets | 2.9518% | 4,030 |
| Loan and lease loss provision to assets | 0.0621% | 6,520 |
| Net operating income to assets | 0.3628% | 4,701 |
| Return on assets (ROA) | 0.3857% | 4,754 |
| Pretax return on assets | 0.5114% | 4,581 |
| Return on Equity (ROE) | 4.2708% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.2708% | 2,853 |
| Net charge-offs to loans | -0.0128% | 7,327 |
| Credit loss provision to net charge-offs | -1,072.7273% | 7,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4625% | 1,869 |
| Assets per employee ($millions) | 3.5242% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 6,989 |
| Loan loss allowance to noncurrent loans | 120.5217% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 6,518 |
| Noncurrent loans to loans | 0.6546% | 5,746 |
| Net loans and leases to total assets | 44.1600% | 6,698 |
| Net loans and leases to deposits | 50.0557% | 6,851 |
| Net loans and leases to core deposits | 52.1806% | 6,900 |
| Total domestic deposits to total assets | 88.2216% | 2,111 |
| Equity capital to assets | 8.9094% | 5,273 |
| Core capital (leverage) ratio | 8.5675% | 5,244 |
| Tier 1 risk-based capital ratio | 18.4667% | 1,855 |
| Total risk-based capital ratio | 19.2265% | 1,968 |
| Memoranda: | ||
| Average total assets | $190,054,800 | 3,228 |
| Average earning assets | $173,057,000 | 3,223 |
| Average equity | $17,163,200 | 3,565 |
| Average total loans | $86,223,400 | 4,151 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1542% | 7,150 |
| Cost of funding earning assets | 1.1885% | 4,921 |
| Net interest margin | 2.9657% | 6,902 |
| Noninterest income to average assets | 0.8217% | 2,120 |
| Noninterest expense to average assets | 3.0111% | 3,704 |
| Loan and lease loss provision to assets | 0.0645% | 6,420 |
| Net operating income to assets | 0.2927% | 5,195 |
| Return on assets (ROA) | 0.3053% | 5,319 |
| Pretax return on assets | 0.4625% | 5,035 |
| Return on Equity (ROE) | 3.3688% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.3688% | 4,078 |
| Net charge-offs to loans | -0.0124% | 7,294 |
| Credit loss provision to net charge-offs | -1,137.5000% | 7,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5676% | 1,676 |
| Assets per employee ($millions) | 3.4434% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 7,084 |
| Loan loss allowance to noncurrent loans | 84.3511% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 6,403 |
| Noncurrent loans to loans | 0.9021% | 5,441 |
| Net loans and leases to total assets | 44.8427% | 6,784 |
| Net loans and leases to deposits | 51.3571% | 6,920 |
| Net loans and leases to core deposits | 53.5929% | 6,979 |
| Total domestic deposits to total assets | 87.3154% | 2,364 |
| Equity capital to assets | 8.9674% | 5,624 |
| Core capital (leverage) ratio | 8.6552% | 5,264 |
| Tier 1 risk-based capital ratio | 18.6170% | 1,840 |
| Total risk-based capital ratio | 19.3591% | 1,952 |
| Memoranda: | ||
| Average total assets | $188,230,250 | 3,298 |
| Average earning assets | $171,197,000 | 3,300 |
| Average equity | $17,058,250 | 3,630 |
| Average total loans | $85,818,250 | 4,231 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 7,190 |
| Cost of funding earning assets | 1.2207% | 5,011 |
| Net interest margin | 2.9653% | 6,911 |
| Noninterest income to average assets | 0.8163% | 2,035 |
| Noninterest expense to average assets | 3.0349% | 3,573 |
| Loan and lease loss provision to assets | 0.0471% | 6,495 |
| Net operating income to assets | 0.2861% | 5,235 |
| Return on assets (ROA) | 0.2903% | 5,373 |
| Pretax return on assets | 0.4392% | 5,096 |
| Return on Equity (ROE) | 3.1919% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.1919% | 4,078 |
| Net charge-offs to loans | 0.0117% | 6,182 |
| Credit loss provision to net charge-offs | 880.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 89.6000% | 368 |
| Efficiency ratio | 86.3456% | 1,669 |
| Assets per employee ($millions) | 3.3926% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 7,261 |
| Loan loss allowance to noncurrent loans | 73.0024% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 6,366 |
| Noncurrent loans to loans | 0.9523% | 5,400 |
| Net loans and leases to total assets | 45.3384% | 6,819 |
| Net loans and leases to deposits | 51.8326% | 6,987 |
| Net loans and leases to core deposits | 54.1072% | 7,030 |
| Total domestic deposits to total assets | 87.4707% | 2,272 |
| Equity capital to assets | 9.0148% | 5,422 |
| Core capital (leverage) ratio | 8.7001% | 5,073 |
| Tier 1 risk-based capital ratio | 17.1949% | 2,203 |
| Total risk-based capital ratio | 17.8243% | 2,399 |
| Memoranda: | ||
| Average total assets | $186,696,330 | 3,352 |
| Average earning assets | $169,899,670 | 3,345 |
| Average equity | $16,980,330 | 3,635 |
| Average total loans | $85,379,670 | 4,276 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 7,245 |
| Cost of funding earning assets | 1.2559% | 5,083 |
| Net interest margin | 2.9566% | 6,930 |
| Noninterest income to average assets | 0.8084% | 1,978 |
| Noninterest expense to average assets | 3.0629% | 3,422 |
| Loan and lease loss provision to assets | 0.0584% | 6,063 |
| Net operating income to assets | 0.2464% | 5,511 |
| Return on assets (ROA) | 0.2464% | 5,631 |
| Pretax return on assets | 0.3740% | 5,367 |
| Return on Equity (ROE) | 2.6971% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.6971% | 4,521 |
| Net charge-offs to loans | 0.0850% | 4,571 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 11.1111% | 1,677 |
| Efficiency ratio | 87.6314% | 1,628 |
| Assets per employee ($millions) | 3.3620% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 7,412 |
| Loan loss allowance to noncurrent loans | 109.5602% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 6,782 |
| Noncurrent loans to loans | 0.6036% | 6,097 |
| Net loans and leases to total assets | 45.7161% | 6,851 |
| Net loans and leases to deposits | 52.1229% | 7,036 |
| Net loans and leases to core deposits | 54.2675% | 7,090 |
| Total domestic deposits to total assets | 87.7083% | 2,232 |
| Equity capital to assets | 9.0114% | 5,260 |
| Core capital (leverage) ratio | 8.6962% | 5,026 |
| Tier 1 risk-based capital ratio | 17.3081% | 2,146 |
| Total risk-based capital ratio | 17.9159% | 2,340 |
| Memoranda: | ||
| Average total assets | $185,051,000 | 3,431 |
| Average earning assets | $168,165,500 | 3,430 |
| Average equity | $16,907,000 | 3,674 |
| Average total loans | $84,699,500 | 4,361 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 7,546 |
| Cost of funding earning assets | 1.4638% | 5,665 |
| Net interest margin | 2.8559% | 6,948 |
| Noninterest income to average assets | 0.8968% | 1,954 |
| Noninterest expense to average assets | 3.0702% | 3,871 |
| Loan and lease loss provision to assets | 0.0047% | 7,407 |
| Net operating income to assets | 0.3213% | 4,446 |
| Return on assets (ROA) | 0.3389% | 4,465 |
| Pretax return on assets | 0.4271% | 4,415 |
| Return on Equity (ROE) | 3.5009% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.5009% | 2,720 |
| Net charge-offs to loans | 0.1718% | 5,572 |
| Credit loss provision to net charge-offs | 6.1538% | 6,988 |
| Earnings coverage of net charge-offs (x) | 5.3923% | 2,616 |
| Efficiency ratio | 88.2304% | 1,860 |
| Assets per employee ($millions) | 3.3672% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 7,413 |
| Loan loss allowance to noncurrent loans | 42.1407% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 5,641 |
| Noncurrent loans to loans | 1.6144% | 4,233 |
| Net loans and leases to total assets | 45.2029% | 7,038 |
| Net loans and leases to deposits | 51.4568% | 7,175 |
| Net loans and leases to core deposits | 58.6855% | 7,316 |
| Total domestic deposits to total assets | 87.8463% | 2,047 |
| Equity capital to assets | 9.2658% | 4,746 |
| Core capital (leverage) ratio | 8.9423% | 4,518 |
| Tier 1 risk-based capital ratio | 17.1417% | 2,118 |
| Total risk-based capital ratio | 17.7374% | 2,272 |
| Memoranda: | ||
| Average total assets | $171,163,200 | 3,594 |
| Average earning assets | $154,804,800 | 3,619 |
| Average equity | $16,567,200 | 3,766 |
| Average total loans | $75,681,600 | 4,663 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 7,652 |
| Cost of funding earning assets | 1.5040% | 5,805 |
| Net interest margin | 2.8338% | 6,999 |
| Noninterest income to average assets | 0.8926% | 2,012 |
| Noninterest expense to average assets | 3.1248% | 3,561 |
| Loan and lease loss provision to assets | -0.0237% | 8,045 |
| Net operating income to assets | 0.2334% | 5,047 |
| Return on assets (ROA) | 0.2532% | 5,062 |
| Pretax return on assets | 0.3830% | 4,840 |
| Return on Equity (ROE) | 2.5863% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.5863% | 3,872 |
| Net charge-offs to loans | 0.0126% | 6,745 |
| Credit loss provision to net charge-offs | -428.5714% | 7,261 |
| Earnings coverage of net charge-offs (x) | 59.4480% | 551 |
| Efficiency ratio | 90.4696% | 1,649 |
| Assets per employee ($millions) | 3.2628% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 7,067 |
| Loan loss allowance to noncurrent loans | 43.7542% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 5,440 |
| Noncurrent loans to loans | 1.8683% | 3,813 |
| Net loans and leases to total assets | 43.8120% | 7,257 |
| Net loans and leases to deposits | 50.2037% | 7,402 |
| Net loans and leases to core deposits | 57.6294% | 7,483 |
| Total domestic deposits to total assets | 87.2685% | 2,038 |
| Equity capital to assets | 9.2514% | 5,088 |
| Core capital (leverage) ratio | 8.9119% | 4,790 |
| Tier 1 risk-based capital ratio | 18.0720% | 1,965 |
| Total risk-based capital ratio | 18.8070% | 2,071 |
| Memoranda: | ||
| Average total assets | $168,496,750 | 3,654 |
| Average earning assets | $152,298,000 | 3,686 |
| Average equity | $16,497,000 | 3,811 |
| Average total loans | $73,913,250 | 4,778 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 7,639 |
| Cost of funding earning assets | 1.5520% | 5,919 |
| Net interest margin | 2.9249% | 6,746 |
| Noninterest income to average assets | 0.8456% | 2,191 |
| Noninterest expense to average assets | 3.1011% | 3,695 |
| Loan and lease loss provision to assets | -0.0340% | 8,150 |
| Net operating income to assets | 0.2741% | 4,998 |
| Return on assets (ROA) | 0.3045% | 4,991 |
| Pretax return on assets | 0.4610% | 4,745 |
| Return on Equity (ROE) | 3.0494% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.0494% | 3,621 |
| Net charge-offs to loans | 0.0250% | 6,136 |
| Credit loss provision to net charge-offs | -311.1111% | 7,019 |
| Earnings coverage of net charge-offs (x) | 34.8889% | 898 |
| Efficiency ratio | 89.0592% | 1,900 |
| Assets per employee ($millions) | 3.1105% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 6,981 |
| Loan loss allowance to noncurrent loans | 78.2609% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 6,228 |
| Noncurrent loans to loans | 1.0865% | 5,025 |
| Net loans and leases to total assets | 44.1687% | 7,316 |
| Net loans and leases to deposits | 50.8766% | 7,441 |
| Net loans and leases to core deposits | 57.3037% | 7,544 |
| Total domestic deposits to total assets | 86.8154% | 2,350 |
| Equity capital to assets | 9.6675% | 4,400 |
| Core capital (leverage) ratio | 9.3102% | 4,154 |
| Tier 1 risk-based capital ratio | 18.6327% | 1,855 |
| Total risk-based capital ratio | 19.3937% | 1,922 |
| Memoranda: | ||
| Average total assets | $164,844,670 | 3,721 |
| Average earning assets | $148,584,670 | 3,770 |
| Average equity | $16,462,000 | 3,819 |
| Average total loans | $72,127,670 | 4,880 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 7,444 |
| Cost of funding earning assets | 1.5921% | 6,065 |
| Net interest margin | 3.1539% | 5,999 |
| Noninterest income to average assets | 0.7692% | 2,488 |
| Noninterest expense to average assets | 3.0743% | 3,472 |
| Loan and lease loss provision to assets | -0.0346% | 8,186 |
| Net operating income to assets | 0.3705% | 4,976 |
| Return on assets (ROA) | 0.4031% | 5,028 |
| Pretax return on assets | 0.6109% | 4,726 |
| Return on Equity (ROE) | 3.9699% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.9699% | 3,691 |
| Net charge-offs to loans | -0.0799% | 7,825 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3709% | 2,144 |
| Assets per employee ($millions) | 3.2068% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,271 |
| Loan loss allowance to noncurrent loans | 128.2772% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 6,552 |
| Noncurrent loans to loans | 0.7703% | 5,505 |
| Net loans and leases to total assets | 41.1625% | 7,516 |
| Net loans and leases to deposits | 47.6207% | 7,595 |
| Net loans and leases to core deposits | 52.5103% | 7,717 |
| Total domestic deposits to total assets | 86.4383% | 2,484 |
| Equity capital to assets | 9.8917% | 4,126 |
| Core capital (leverage) ratio | 9.5056% | 3,979 |
| Tier 1 risk-based capital ratio | 19.2894% | 1,757 |
| Total risk-based capital ratio | 20.1269% | 1,795 |
| Memoranda: | ||
| Average total assets | $161,728,000 | 3,801 |
| Average earning assets | $145,218,500 | 3,851 |
| Average equity | $16,423,500 | 3,859 |
| Average total loans | $70,086,000 | 4,981 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3460% | 7,544 |
| Cost of funding earning assets | 2.2479% | 5,378 |
| Net interest margin | 3.0981% | 6,656 |
| Noninterest income to average assets | 1.0270% | 1,505 |
| Noninterest expense to average assets | 3.0508% | 3,893 |
| Loan and lease loss provision to assets | 0.0668% | 6,559 |
| Net operating income to assets | 0.4943% | 4,762 |
| Return on assets (ROA) | 0.4978% | 4,586 |
| Pretax return on assets | 0.6635% | 4,509 |
| Return on Equity (ROE) | 4.7900% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.7900% | 2,155 |
| Net charge-offs to loans | 0.1328% | 4,890 |
| Credit loss provision to net charge-offs | 117.2414% | 4,592 |
| Earnings coverage of net charge-offs (x) | 12.7356% | 2,216 |
| Efficiency ratio | 80.7666% | 2,487 |
| Assets per employee ($millions) | 3.0725% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 6,282 |
| Loan loss allowance to noncurrent loans | 131.7308% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 6,275 |
| Noncurrent loans to loans | 0.7340% | 5,194 |
| Net loans and leases to total assets | 44.7741% | 7,416 |
| Net loans and leases to deposits | 52.0100% | 7,536 |
| Net loans and leases to core deposits | 56.9711% | 7,712 |
| Total domestic deposits to total assets | 86.0874% | 2,363 |
| Equity capital to assets | 10.4352% | 3,575 |
| Core capital (leverage) ratio | 10.0155% | 3,430 |
| Tier 1 risk-based capital ratio | 20.1118% | 1,601 |
| Total risk-based capital ratio | 20.9942% | 1,616 |
| Memoranda: | ||
| Average total assets | $152,679,600 | 3,857 |
| Average earning assets | $135,502,800 | 3,944 |
| Average equity | $15,866,400 | 3,957 |
| Average total loans | $65,524,600 | 5,039 |