Home > Bluestone Bank > Performance and Condition Ratios
Bluestone Bank, Performance and Condition Ratios
| 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 | 4.7801% | 3,455 |
| Cost of funding earning assets | 2.5908% | 980 |
| Net interest margin | 2.1893% | 4,163 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 2.1825% | 3,191 |
| Loan and lease loss provision to assets | -0.0400% | 4,239 |
| Net operating income to assets | 0.3014% | 3,847 |
| Return on assets (ROA) | 0.3029% | 3,869 |
| Pretax return on assets | 0.3818% | 3,825 |
| Return on Equity (ROE) | 4.1600% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.1620% | 2,561 |
| Net charge-offs to loans | 0.0004% | 3,070 |
| Credit loss provision to net charge-offs | -13,560.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | 1,056.4000% | 125 |
| Efficiency ratio | 86.4041% | 662 |
| Assets per employee ($millions) | 9.9563% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6176% | 4,166 |
| Loan loss allowance to noncurrent loans | 1,133.6000% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,386 |
| Noncurrent loans to loans | 0.0545% | 3,369 |
| Net loans and leases to total assets | 72.4800% | 1,616 |
| Net loans and leases to deposits | 89.7198% | 1,226 |
| Net loans and leases to core deposits | 105.2234% | 1,167 |
| Total domestic deposits to total assets | 80.7800% | 3,452 |
| Equity capital to assets | 7.1601% | 3,911 |
| Core capital (leverage) ratio | 9.2527% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8740% | 1,914 |
| Memoranda: | ||
| Average total assets | $1,538,054,400 | 724 |
| Average earning assets | $1,462,578,600 | 694 |
| Average equity | $111,940,400 | 922 |
| Average total loans | $1,127,076,800 | 693 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 3,447 |
| Cost of funding earning assets | 2.5416% | 1,085 |
| Net interest margin | 2.2196% | 4,152 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 2.1550% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.3145% | 3,838 |
| Return on assets (ROA) | 0.3166% | 3,872 |
| Pretax return on assets | 0.4000% | 3,811 |
| Return on Equity (ROE) | 4.3300% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.3315% | 2,717 |
| Net charge-offs to loans | 0.0011% | 2,780 |
| Credit loss provision to net charge-offs | -711.1111% | 4,479 |
| Earnings coverage of net charge-offs (x) | 503.5556% | 239 |
| Efficiency ratio | 84.5060% | 785 |
| Assets per employee ($millions) | 9.5238% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,126 |
| Loan loss allowance to noncurrent loans | 472.3757% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 2,991 |
| Noncurrent loans to loans | 0.1435% | 2,971 |
| Net loans and leases to total assets | 72.6200% | 1,527 |
| Net loans and leases to deposits | 85.6160% | 1,679 |
| Net loans and leases to core deposits | 104.4183% | 1,220 |
| Total domestic deposits to total assets | 84.8200% | 2,357 |
| Equity capital to assets | 7.5825% | 3,931 |
| Core capital (leverage) ratio | 9.4085% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1268% | 1,853 |
| Memoranda: | ||
| Average total assets | $1,529,292,250 | 720 |
| Average earning assets | $1,454,134,250 | 691 |
| Average equity | $111,766,750 | 917 |
| Average total loans | $1,122,035,250 | 690 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 3,420 |
| Cost of funding earning assets | 2.4977% | 1,088 |
| Net interest margin | 2.2261% | 4,144 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.1307% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3309% | 3,773 |
| Return on assets (ROA) | 0.3340% | 3,814 |
| Pretax return on assets | 0.4231% | 3,767 |
| Return on Equity (ROE) | 4.6300% | 3,604 |
| Retained earnings to average equity (ytd only) | 4.6290% | 2,471 |
| Net charge-offs to loans | 0.0021% | 2,468 |
| Credit loss provision to net charge-offs | 666.6667% | 520 |
| Earnings coverage of net charge-offs (x) | 264.8333% | 418 |
| Efficiency ratio | 83.6084% | 885 |
| Assets per employee ($millions) | 9.3821% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 4,118 |
| Loan loss allowance to noncurrent loans | 19,590.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 3,807 |
| Noncurrent loans to loans | 0.0035% | 3,774 |
| Net loans and leases to total assets | 73.8800% | 1,426 |
| Net loans and leases to deposits | 91.8500% | 1,137 |
| Net loans and leases to core deposits | 104.3319% | 1,240 |
| Total domestic deposits to total assets | 80.4300% | 3,380 |
| Equity capital to assets | 7.2158% | 3,857 |
| Core capital (leverage) ratio | 9.3475% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2121% | 1,805 |
| Memoranda: | ||
| Average total assets | $1,521,598,000 | 723 |
| Average earning assets | $1,443,493,333 | 697 |
| Average equity | $109,786,000 | 924 |
| Average total loans | $1,117,723,000 | 695 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 3,456 |
| Cost of funding earning assets | 2.4122% | 1,155 |
| Net interest margin | 2.2268% | 4,158 |
| Noninterest income to average assets | 0.4600% | 1,966 |
| Noninterest expense to average assets | 2.0972% | 3,321 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.3285% | 3,764 |
| Return on assets (ROA) | 0.3347% | 3,771 |
| Pretax return on assets | 0.4269% | 3,708 |
| Return on Equity (ROE) | 4.6400% | 3,534 |
| Retained earnings to average equity (ytd only) | 4.6394% | 2,511 |
| Net charge-offs to loans | -0.0011% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.5238% | 1,083 |
| Assets per employee ($millions) | 9.6826% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 4,101 |
| Loan loss allowance to noncurrent loans | 339.7849% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,630 |
| Noncurrent loans to loans | 0.2089% | 2,586 |
| Net loans and leases to total assets | 72.2500% | 1,534 |
| Net loans and leases to deposits | 90.9084% | 1,136 |
| Net loans and leases to core deposits | 102.0685% | 1,296 |
| Total domestic deposits to total assets | 79.4800% | 3,601 |
| Equity capital to assets | 7.1029% | 3,855 |
| Core capital (leverage) ratio | 9.3526% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0650% | 1,850 |
| Memoranda: | ||
| Average total assets | $1,522,443,000 | 730 |
| Average earning assets | $1,444,965,000 | 705 |
| Average equity | $109,842,500 | 924 |
| Average total loans | $1,111,218,500 | 697 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 3,415 |
| Cost of funding earning assets | 1.8629% | 1,136 |
| Net interest margin | 2.4542% | 4,137 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.2591% | 2,956 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.2995% | 4,026 |
| Return on assets (ROA) | 0.2995% | 4,024 |
| Pretax return on assets | 0.3750% | 3,998 |
| Return on Equity (ROE) | 4.2000% | 3,857 |
| Retained earnings to average equity (ytd only) | 4.2026% | 2,889 |
| Net charge-offs to loans | -0.0012% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.9144% | 727 |
| Assets per employee ($millions) | 9.5286% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 4,127 |
| Loan loss allowance to noncurrent loans | 3,196.7078% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,640 |
| Noncurrent loans to loans | 0.0219% | 3,587 |
| Net loans and leases to total assets | 72.7000% | 1,502 |
| Net loans and leases to deposits | 92.0437% | 1,089 |
| Net loans and leases to core deposits | 101.9429% | 1,331 |
| Total domestic deposits to total assets | 78.9900% | 3,614 |
| Equity capital to assets | 7.3280% | 3,804 |
| Core capital (leverage) ratio | 9.3411% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0591% | 1,848 |
| Memoranda: | ||
| Average total assets | $1,458,580,400 | 730 |
| Average earning assets | $1,385,553,600 | 709 |
| Average equity | $103,935,200 | 920 |
| Average total loans | $1,056,928,600 | 695 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 3,385 |
| Cost of funding earning assets | 1.7389% | 1,110 |
| Net interest margin | 2.5057% | 4,139 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.3151% | 2,742 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.2749% | 4,148 |
| Return on assets (ROA) | 0.2749% | 4,149 |
| Pretax return on assets | 0.3401% | 4,123 |
| Return on Equity (ROE) | 3.8900% | 3,997 |
| Retained earnings to average equity (ytd only) | 3.8865% | 3,290 |
| Net charge-offs to loans | -0.0013% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.7010% | 631 |
| Assets per employee ($millions) | 9.0604% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7017% | 4,136 |
| Loan loss allowance to noncurrent loans | 994.6891% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 3,285 |
| Noncurrent loans to loans | 0.0705% | 3,252 |
| Net loans and leases to total assets | 73.5800% | 1,394 |
| Net loans and leases to deposits | 88.6167% | 1,331 |
| Net loans and leases to core deposits | 97.1249% | 1,498 |
| Total domestic deposits to total assets | 83.0300% | 3,010 |
| Equity capital to assets | 6.4017% | 3,860 |
| Core capital (leverage) ratio | 9.3729% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0411% | 1,880 |
| Memoranda: | ||
| Average total assets | $1,444,465,500 | 736 |
| Average earning assets | $1,372,447,750 | 716 |
| Average equity | $102,163,500 | 929 |
| Average total loans | $1,043,857,000 | 703 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 3,419 |
| Cost of funding earning assets | 1.5909% | 1,087 |
| Net interest margin | 2.5458% | 4,162 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.3680% | 2,600 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.2531% | 4,227 |
| Return on assets (ROA) | 0.2531% | 4,248 |
| Pretax return on assets | 0.3087% | 4,223 |
| Return on Equity (ROE) | 3.4700% | 4,100 |
| Retained earnings to average equity (ytd only) | 3.4650% | 3,362 |
| Net charge-offs to loans | -0.0014% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.2348% | 584 |
| Assets per employee ($millions) | 8.6543% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 4,193 |
| Loan loss allowance to noncurrent loans | 787.7814% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,126 |
| Noncurrent loans to loans | 0.0881% | 3,063 |
| Net loans and leases to total assets | 72.3100% | 1,490 |
| Net loans and leases to deposits | 85.2278% | 1,573 |
| Net loans and leases to core deposits | 93.0999% | 1,617 |
| Total domestic deposits to total assets | 84.8400% | 2,588 |
| Equity capital to assets | 7.2041% | 3,689 |
| Core capital (leverage) ratio | 9.4331% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2713% | 1,797 |
| Memoranda: | ||
| Average total assets | $1,433,671,000 | 729 |
| Average earning assets | $1,363,992,000 | 705 |
| Average equity | $104,703,667 | 907 |
| Average total loans | $1,027,027,000 | 696 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 3,427 |
| Cost of funding earning assets | 1.3868% | 1,048 |
| Net interest margin | 2.6267% | 4,178 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.3868% | 2,570 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.2594% | 4,300 |
| Return on assets (ROA) | 0.2594% | 4,268 |
| Pretax return on assets | 0.3201% | 4,244 |
| Return on Equity (ROE) | 3.5300% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.5324% | 3,388 |
| Net charge-offs to loans | -0.0012% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.3317% | 627 |
| Assets per employee ($millions) | 8.5195% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 4,232 |
| Loan loss allowance to noncurrent loans | 1,144.5313% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 3,344 |
| Noncurrent loans to loans | 0.0621% | 3,291 |
| Net loans and leases to total assets | 70.6300% | 1,562 |
| Net loans and leases to deposits | 81.8989% | 1,660 |
| Net loans and leases to core deposits | 89.7568% | 1,628 |
| Total domestic deposits to total assets | 86.2400% | 2,526 |
| Equity capital to assets | 7.3960% | 3,621 |
| Core capital (leverage) ratio | 9.5528% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3435% | 1,536 |
| Memoranda: | ||
| Average total assets | $1,423,472,000 | 747 |
| Average earning assets | $1,353,624,500 | 725 |
| Average equity | $104,517,500 | 917 |
| Average total loans | $1,011,231,000 | 714 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5204% | 3,025 |
| Cost of funding earning assets | 0.3382% | 2,564 |
| Net interest margin | 3.1822% | 2,924 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.5520% | 1,962 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.6183% | 3,835 |
| Return on assets (ROA) | 0.6183% | 3,786 |
| Pretax return on assets | 0.8221% | 3,567 |
| Return on Equity (ROE) | 7.4200% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.4239% | 2,059 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.2756% | 1,288 |
| Assets per employee ($millions) | 8.1791% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 4,201 |
| Loan loss allowance to noncurrent loans | 480.1365% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 2,796 |
| Noncurrent loans to loans | 0.1476% | 2,770 |
| Net loans and leases to total assets | 70.4400% | 1,594 |
| Net loans and leases to deposits | 82.2621% | 1,597 |
| Net loans and leases to core deposits | 87.4486% | 1,654 |
| Total domestic deposits to total assets | 85.6300% | 2,824 |
| Equity capital to assets | 7.2869% | 3,498 |
| Core capital (leverage) ratio | 9.7529% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7776% | 1,414 |
| Memoranda: | ||
| Average total assets | $1,349,562,000 | 759 |
| Average earning assets | $1,289,216,200 | 735 |
| Average equity | $112,393,000 | 867 |
| Average total loans | $911,066,400 | 745 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 2,937 |
| Cost of funding earning assets | 0.2063% | 3,199 |
| Net interest margin | 3.1872% | 2,666 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.5666% | 1,801 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.6368% | 3,732 |
| Return on assets (ROA) | 0.6368% | 3,686 |
| Pretax return on assets | 0.8484% | 3,478 |
| Return on Equity (ROE) | 7.4000% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.4043% | 2,228 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.0070% | 1,383 |
| Assets per employee ($millions) | 7.6683% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 4,277 |
| Loan loss allowance to noncurrent loans | 158.3674% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 1,733 |
| Noncurrent loans to loans | 0.4325% | 1,731 |
| Net loans and leases to total assets | 69.8600% | 1,490 |
| Net loans and leases to deposits | 78.0779% | 1,697 |
| Net loans and leases to core deposits | 81.6573% | 1,788 |
| Total domestic deposits to total assets | 89.4800% | 1,881 |
| Equity capital to assets | 7.1238% | 3,441 |
| Core capital (leverage) ratio | 9.9253% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9296% | 1,447 |
| Memoranda: | ||
| Average total assets | $1,337,295,500 | 775 |
| Average earning assets | $1,279,304,500 | 752 |
| Average equity | $115,012,000 | 858 |
| Average total loans | $890,776,750 | 755 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2612% | 2,870 |
| Cost of funding earning assets | 0.1582% | 3,480 |
| Net interest margin | 3.1029% | 2,530 |
| Noninterest income to average assets | 0.4939% | 2,235 |
| Noninterest expense to average assets | 2.5870% | 1,676 |
| Loan and lease loss provision to assets | 0.0905% | 1,094 |
| Net operating income to assets | 0.5988% | 3,627 |
| Return on assets (ROA) | 0.5988% | 3,571 |
| Pretax return on assets | 0.7908% | 3,353 |
| Return on Equity (ROE) | 6.5753% | 3,429 |
| Retained earnings to average equity (ytd only) | 6.5753% | 2,150 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5908% | 1,443 |
| Assets per employee ($millions) | 7.5318% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 4,360 |
| Loan loss allowance to noncurrent loans | 101.8996% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 1,239 |
| Noncurrent loans to loans | 0.6698% | 1,285 |
| Net loans and leases to total assets | 67.7206% | 1,503 |
| Net loans and leases to deposits | 74.3523% | 1,831 |
| Net loans and leases to core deposits | 77.6105% | 1,885 |
| Total domestic deposits to total assets | 91.0807% | 1,191 |
| Equity capital to assets | 8.2706% | 2,928 |
| Core capital (leverage) ratio | 10.1946% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2318% | 1,382 |
| Memoranda: | ||
| Average total assets | $1,328,076,667 | 772 |
| Average earning assets | $1,273,047,667 | 754 |
| Average equity | $120,937,000 | 839 |
| Average total loans | $867,643,333 | 757 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1387% | 2,858 |
| Cost of funding earning assets | 0.1519% | 3,487 |
| Net interest margin | 2.9868% | 2,540 |
| Noninterest income to average assets | 0.4968% | 2,153 |
| Noninterest expense to average assets | 2.5905% | 1,638 |
| Loan and lease loss provision to assets | 0.0542% | 1,412 |
| Net operating income to assets | 0.5470% | 3,569 |
| Return on assets (ROA) | 0.5470% | 3,543 |
| Pretax return on assets | 0.7222% | 3,325 |
| Return on Equity (ROE) | 5.7446% | 3,419 |
| Retained earnings to average equity (ytd only) | 5.7446% | 2,337 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9416% | 1,415 |
| Assets per employee ($millions) | 7.6144% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 4,430 |
| Loan loss allowance to noncurrent loans | 301.7323% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 2,793 |
| Noncurrent loans to loans | 0.2226% | 2,706 |
| Net loans and leases to total assets | 63.8037% | 1,644 |
| Net loans and leases to deposits | 70.6077% | 1,903 |
| Net loans and leases to core deposits | 73.1800% | 2,004 |
| Total domestic deposits to total assets | 90.3636% | 1,348 |
| Equity capital to assets | 8.9812% | 2,726 |
| Core capital (leverage) ratio | 10.0238% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1500% | 1,224 |
| Memoranda: | ||
| Average total assets | $1,329,313,000 | 777 |
| Average earning assets | $1,277,345,500 | 753 |
| Average equity | $126,588,000 | 811 |
| Average total loans | $849,527,000 | 763 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0419% | 3,796 |
| Cost of funding earning assets | 0.1942% | 3,534 |
| Net interest margin | 2.8477% | 3,564 |
| Noninterest income to average assets | 1.0172% | 968 |
| Noninterest expense to average assets | 2.7585% | 1,460 |
| Loan and lease loss provision to assets | 0.0420% | 2,211 |
| Net operating income to assets | 0.7169% | 3,584 |
| Return on assets (ROA) | 0.7221% | 3,626 |
| Pretax return on assets | 0.9639% | 3,348 |
| Return on Equity (ROE) | 7.1735% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.1735% | 1,852 |
| Net charge-offs to loans | 0.0030% | 2,512 |
| Credit loss provision to net charge-offs | 2,096.1538% | 300 |
| Earnings coverage of net charge-offs (x) | 498.7308% | 275 |
| Efficiency ratio | 73.4070% | 1,374 |
| Assets per employee ($millions) | 7.2863% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6604% | 4,481 |
| Loan loss allowance to noncurrent loans | 206.9119% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,553 |
| Noncurrent loans to loans | 0.3192% | 2,445 |
| Net loans and leases to total assets | 63.1580% | 1,799 |
| Net loans and leases to deposits | 70.7929% | 2,038 |
| Net loans and leases to core deposits | 73.6769% | 2,108 |
| Total domestic deposits to total assets | 89.2151% | 1,405 |
| Equity capital to assets | 10.0671% | 2,593 |
| Core capital (leverage) ratio | 10.0838% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6221% | 1,136 |
| Memoranda: | ||
| Average total assets | $1,297,592,200 | 767 |
| Average earning assets | $1,248,811,200 | 745 |
| Average equity | $130,619,000 | 795 |
| Average total loans | $863,510,400 | 750 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0181% | 3,971 |
| Cost of funding earning assets | 0.2060% | 3,548 |
| Net interest margin | 2.8121% | 3,753 |
| Noninterest income to average assets | 1.0833% | 941 |
| Noninterest expense to average assets | 2.7370% | 1,487 |
| Loan and lease loss provision to assets | 0.0207% | 2,579 |
| Net operating income to assets | 0.7703% | 3,595 |
| Return on assets (ROA) | 0.7773% | 3,644 |
| Pretax return on assets | 1.0401% | 3,350 |
| Return on Equity (ROE) | 7.7217% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.7217% | 2,141 |
| Net charge-offs to loans | 0.0040% | 2,200 |
| Credit loss provision to net charge-offs | 769.2308% | 605 |
| Earnings coverage of net charge-offs (x) | 391.5769% | 356 |
| Efficiency ratio | 72.2377% | 1,381 |
| Assets per employee ($millions) | 6.9430% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 4,618 |
| Loan loss allowance to noncurrent loans | 354.5825% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 3,356 |
| Noncurrent loans to loans | 0.1732% | 3,255 |
| Net loans and leases to total assets | 64.7719% | 1,680 |
| Net loans and leases to deposits | 72.6736% | 1,994 |
| Net loans and leases to core deposits | 75.7495% | 2,071 |
| Total domestic deposits to total assets | 89.1271% | 1,212 |
| Equity capital to assets | 10.1507% | 2,761 |
| Core capital (leverage) ratio | 10.0458% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3325% | 1,281 |
| Memoranda: | ||
| Average total assets | $1,290,464,750 | 781 |
| Average earning assets | $1,241,592,000 | 755 |
| Average equity | $129,898,750 | 812 |
| Average total loans | $868,611,250 | 763 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0314% | 3,983 |
| Cost of funding earning assets | 0.2186% | 3,571 |
| Net interest margin | 2.8127% | 3,765 |
| Noninterest income to average assets | 1.2505% | 748 |
| Noninterest expense to average assets | 2.8129% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8528% | 3,359 |
| Return on assets (ROA) | 0.8513% | 3,437 |
| Pretax return on assets | 1.1419% | 3,083 |
| Return on Equity (ROE) | 8.4816% | 3,264 |
| Retained earnings to average equity (ytd only) | 8.4816% | 1,902 |
| Net charge-offs to loans | 0.0059% | 1,930 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 282.7692% | 386 |
| Efficiency ratio | 71.0915% | 1,520 |
| Assets per employee ($millions) | 7.1357% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5894% | 4,669 |
| Loan loss allowance to noncurrent loans | 336.4367% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 3,465 |
| Noncurrent loans to loans | 0.1752% | 3,339 |
| Net loans and leases to total assets | 65.2370% | 1,795 |
| Net loans and leases to deposits | 73.1358% | 2,087 |
| Net loans and leases to core deposits | 76.5421% | 2,191 |
| Total domestic deposits to total assets | 89.1997% | 1,183 |
| Equity capital to assets | 10.1423% | 2,727 |
| Core capital (leverage) ratio | 9.9258% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2031% | 1,291 |
| Memoranda: | ||
| Average total assets | $1,285,524,333 | 785 |
| Average earning assets | $1,236,802,667 | 756 |
| Average equity | $129,033,000 | 811 |
| Average total loans | $874,588,000 | 757 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0144% | 4,047 |
| Cost of funding earning assets | 0.2444% | 3,523 |
| Net interest margin | 2.7700% | 3,829 |
| Noninterest income to average assets | 1.4656% | 625 |
| Noninterest expense to average assets | 2.9043% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9106% | 3,105 |
| Return on assets (ROA) | 0.9076% | 3,188 |
| Pretax return on assets | 1.2232% | 2,776 |
| Return on Equity (ROE) | 9.0907% | 3,002 |
| Retained earnings to average equity (ytd only) | 9.0907% | 1,924 |
| Net charge-offs to loans | 0.0117% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 150.8846% | 489 |
| Efficiency ratio | 70.3006% | 1,662 |
| Assets per employee ($millions) | 6.9228% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5798% | 4,707 |
| Loan loss allowance to noncurrent loans | 369.0669% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 3,657 |
| Noncurrent loans to loans | 0.1571% | 3,544 |
| Net loans and leases to total assets | 66.5298% | 1,728 |
| Net loans and leases to deposits | 74.4474% | 2,078 |
| Net loans and leases to core deposits | 78.2795% | 2,159 |
| Total domestic deposits to total assets | 89.3648% | 1,143 |
| Equity capital to assets | 9.8988% | 2,798 |
| Core capital (leverage) ratio | 9.9519% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8635% | 1,342 |
| Memoranda: | ||
| Average total assets | $1,278,937,500 | 777 |
| Average earning assets | $1,230,740,000 | 750 |
| Average equity | $127,690,500 | 814 |
| Average total loans | $885,755,000 | 745 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4523% | 4,116 |
| Cost of funding earning assets | 0.5101% | 2,884 |
| Net interest margin | 2.9423% | 4,031 |
| Noninterest income to average assets | 1.7990% | 394 |
| Noninterest expense to average assets | 3.3179% | 887 |
| Loan and lease loss provision to assets | 0.1069% | 3,002 |
| Net operating income to assets | 1.0303% | 2,177 |
| Return on assets (ROA) | 1.0488% | 2,248 |
| Pretax return on assets | 1.2305% | 2,220 |
| Return on Equity (ROE) | 10.8382% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.8382% | 452 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6073% | 1,734 |
| Assets per employee ($millions) | 6.4786% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5578% | 4,750 |
| Loan loss allowance to noncurrent loans | 1,602.8571% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,255 |
| Noncurrent loans to loans | 0.0348% | 4,166 |
| Net loans and leases to total assets | 71.2546% | 1,394 |
| Net loans and leases to deposits | 79.8373% | 1,881 |
| Net loans and leases to core deposits | 85.0876% | 1,945 |
| Total domestic deposits to total assets | 89.2498% | 876 |
| Equity capital to assets | 10.0716% | 3,064 |
| Core capital (leverage) ratio | 9.7267% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1912% | 1,472 |
| Memoranda: | ||
| Average total assets | $795,314,000 | 1,062 |
| Average earning assets | $766,181,800 | 1,023 |
| Average equity | $76,959,400 | 1,195 |
| Average total loans | $578,620,000 | 1,013 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 4,192 |
| Cost of funding earning assets | 0.5992% | 2,621 |
| Net interest margin | 2.9114% | 4,162 |
| Noninterest income to average assets | 1.3012% | 641 |
| Noninterest expense to average assets | 3.1894% | 1,088 |
| Loan and lease loss provision to assets | 0.1081% | 2,969 |
| Net operating income to assets | 0.6297% | 3,694 |
| Return on assets (ROA) | 0.6565% | 3,707 |
| Pretax return on assets | 0.8438% | 3,531 |
| Return on Equity (ROE) | 6.9160% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.9160% | 1,736 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6512% | 1,071 |
| Assets per employee ($millions) | 5.9845% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 4,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.8835% | 1,523 |
| Net loans and leases to deposits | 83.6000% | 1,950 |
| Net loans and leases to core deposits | 87.7830% | 2,167 |
| Total domestic deposits to total assets | 87.1812% | 1,591 |
| Equity capital to assets | 9.3535% | 3,816 |
| Core capital (leverage) ratio | 8.8757% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8866% | 1,538 |
| Memoranda: | ||
| Average total assets | $678,312,750 | 1,194 |
| Average earning assets | $653,775,750 | 1,154 |
| Average equity | $64,390,250 | 1,368 |
| Average total loans | $496,969,500 | 1,133 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 4,284 |
| Cost of funding earning assets | 0.6796% | 2,502 |
| Net interest margin | 2.9058% | 4,298 |
| Noninterest income to average assets | 1.0578% | 887 |
| Noninterest expense to average assets | 3.0379% | 1,489 |
| Loan and lease loss provision to assets | 0.0900% | 3,141 |
| Net operating income to assets | 0.5752% | 3,817 |
| Return on assets (ROA) | 0.6162% | 3,758 |
| Pretax return on assets | 0.7805% | 3,646 |
| Return on Equity (ROE) | 6.4572% | 3,346 |
| Retained earnings to average equity (ytd only) | 6.4572% | 1,879 |
| Net charge-offs to loans | 0.0008% | 3,010 |
| Credit loss provision to net charge-offs | 15,000.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 1,365.0000% | 60 |
| Efficiency ratio | 78.7747% | 977 |
| Assets per employee ($millions) | 6.5357% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 4,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.4329% | 1,809 |
| Net loans and leases to deposits | 82.2252% | 2,183 |
| Net loans and leases to core deposits | 86.3799% | 2,407 |
| Total domestic deposits to total assets | 86.8747% | 1,671 |
| Equity capital to assets | 9.1959% | 3,929 |
| Core capital (leverage) ratio | 8.8948% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6591% | 1,585 |
| Memoranda: | ||
| Average total assets | $667,033,667 | 1,189 |
| Average earning assets | $642,433,667 | 1,154 |
| Average equity | $63,650,000 | 1,370 |
| Average total loans | $488,029,667 | 1,135 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,288 |
| Cost of funding earning assets | 0.7863% | 2,470 |
| Net interest margin | 2.9689% | 4,335 |
| Noninterest income to average assets | 0.7673% | 1,403 |
| Noninterest expense to average assets | 3.2187% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3433% | 4,253 |
| Return on assets (ROA) | 0.3433% | 4,284 |
| Pretax return on assets | 0.4010% | 4,293 |
| Return on Equity (ROE) | 3.5268% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.5268% | 2,880 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9213% | 538 |
| Assets per employee ($millions) | 5.8077% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 4,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 72.4209% | 1,857 |
| Net loans and leases to deposits | 83.9845% | 2,227 |
| Net loans and leases to core deposits | 89.8439% | 2,361 |
| Total domestic deposits to total assets | 86.2313% | 1,903 |
| Equity capital to assets | 9.6893% | 4,053 |
| Core capital (leverage) ratio | 9.4069% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0498% | 1,888 |
| Memoranda: | ||
| Average total assets | $644,357,500 | 1,196 |
| Average earning assets | $619,086,500 | 1,153 |
| Average equity | $62,720,000 | 1,376 |
| Average total loans | $475,357,000 | 1,138 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 4,399 |
| Cost of funding earning assets | 0.8391% | 2,495 |
| Net interest margin | 3.0790% | 4,399 |
| Noninterest income to average assets | 0.8394% | 1,336 |
| Noninterest expense to average assets | 3.1194% | 1,714 |
| Loan and lease loss provision to assets | 0.0159% | 3,697 |
| Net operating income to assets | 0.5428% | 4,307 |
| Return on assets (ROA) | 0.5569% | 4,330 |
| Pretax return on assets | 0.6657% | 4,292 |
| Return on Equity (ROE) | 5.9018% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.9018% | 1,920 |
| Net charge-offs to loans | 0.0002% | 3,724 |
| Credit loss provision to net charge-offs | 10,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 4,179.0000% | 14 |
| Efficiency ratio | 82.4301% | 774 |
| Assets per employee ($millions) | 5.8023% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 3,996 |
| Loan loss allowance to noncurrent loans | 6,665.0794% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,619 |
| Noncurrent loans to loans | 0.0134% | 4,528 |
| Net loans and leases to total assets | 73.8466% | 1,780 |
| Net loans and leases to deposits | 85.9365% | 2,099 |
| Net loans and leases to core deposits | 92.2437% | 2,213 |
| Total domestic deposits to total assets | 85.9316% | 2,094 |
| Equity capital to assets | 9.7798% | 4,123 |
| Core capital (leverage) ratio | 9.4328% | 4,127 |
| Tier 1 risk-based capital ratio | 14.5111% | 3,010 |
| Total risk-based capital ratio | 15.5611% | 3,030 |
| Memoranda: | ||
| Average total assets | $628,520,200 | 1,184 |
| Average earning assets | $601,136,200 | 1,149 |
| Average equity | $59,303,600 | 1,384 |
| Average total loans | $475,326,400 | 1,122 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 4,468 |
| Cost of funding earning assets | 0.8350% | 2,540 |
| Net interest margin | 3.1096% | 4,462 |
| Noninterest income to average assets | 0.7974% | 1,423 |
| Noninterest expense to average assets | 3.1392% | 1,612 |
| Loan and lease loss provision to assets | 0.0212% | 3,488 |
| Net operating income to assets | 0.5192% | 4,468 |
| Return on assets (ROA) | 0.5382% | 4,488 |
| Pretax return on assets | 0.6310% | 4,490 |
| Return on Equity (ROE) | 5.7567% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.7567% | 2,475 |
| Net charge-offs to loans | 0.0025% | 3,340 |
| Credit loss provision to net charge-offs | 1,111.1111% | 319 |
| Earnings coverage of net charge-offs (x) | 329.4358% | 293 |
| Efficiency ratio | 83.2864% | 665 |
| Assets per employee ($millions) | 5.4166% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,149 |
| Loan loss allowance to noncurrent loans | 8,217.6471% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,724 |
| Noncurrent loans to loans | 0.0106% | 4,634 |
| Net loans and leases to total assets | 76.4197% | 1,412 |
| Net loans and leases to deposits | 89.3742% | 1,768 |
| Net loans and leases to core deposits | 96.3746% | 1,967 |
| Total domestic deposits to total assets | 85.5053% | 2,206 |
| Equity capital to assets | 9.8236% | 4,186 |
| Core capital (leverage) ratio | 9.3540% | 4,320 |
| Tier 1 risk-based capital ratio | 13.9766% | 3,345 |
| Total risk-based capital ratio | 15.0031% | 3,357 |
| Memoranda: | ||
| Average total assets | $627,538,750 | 1,185 |
| Average earning assets | $599,721,750 | 1,147 |
| Average equity | $58,666,500 | 1,395 |
| Average total loans | $476,348,250 | 1,123 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 4,518 |
| Cost of funding earning assets | 0.8197% | 2,554 |
| Net interest margin | 3.1082% | 4,518 |
| Noninterest income to average assets | 0.6715% | 1,828 |
| Noninterest expense to average assets | 3.0225% | 1,949 |
| Loan and lease loss provision to assets | 0.0477% | 2,862 |
| Net operating income to assets | 0.4927% | 4,533 |
| Return on assets (ROA) | 0.5217% | 4,509 |
| Pretax return on assets | 0.6028% | 4,540 |
| Return on Equity (ROE) | 5.6758% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.6758% | 2,432 |
| Net charge-offs to loans | 0.0034% | 3,042 |
| Credit loss provision to net charge-offs | 1,875.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 242.6250% | 335 |
| Efficiency ratio | 83.0451% | 727 |
| Assets per employee ($millions) | 5.6433% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,177 |
| Loan loss allowance to noncurrent loans | 5,810.9589% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,744 |
| Noncurrent loans to loans | 0.0151% | 4,651 |
| Net loans and leases to total assets | 73.9256% | 1,905 |
| Net loans and leases to deposits | 89.6149% | 1,784 |
| Net loans and leases to core deposits | 98.9912% | 1,804 |
| Total domestic deposits to total assets | 82.4925% | 3,375 |
| Equity capital to assets | 9.2244% | 4,631 |
| Core capital (leverage) ratio | 9.2023% | 4,456 |
| Tier 1 risk-based capital ratio | 13.5121% | 3,578 |
| Total risk-based capital ratio | 14.5316% | 3,602 |
| Memoranda: | ||
| Average total assets | $629,083,330 | 1,179 |
| Average earning assets | $600,730,330 | 1,136 |
| Average equity | $57,824,670 | 1,403 |
| Average total loans | $475,060,000 | 1,128 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 4,420 |
| Cost of funding earning assets | 0.8015% | 2,529 |
| Net interest margin | 3.1733% | 4,442 |
| Noninterest income to average assets | 0.6163% | 1,964 |
| Noninterest expense to average assets | 3.0656% | 1,813 |
| Loan and lease loss provision to assets | 0.0485% | 2,685 |
| Net operating income to assets | 0.4693% | 4,602 |
| Return on assets (ROA) | 0.4975% | 4,553 |
| Pretax return on assets | 0.5601% | 4,584 |
| Return on Equity (ROE) | 5.4221% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.4221% | 2,723 |
| Net charge-offs to loans | 0.0051% | 2,525 |
| Credit loss provision to net charge-offs | 1,250.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 148.8333% | 505 |
| Efficiency ratio | 84.1611% | 699 |
| Assets per employee ($millions) | 5.6366% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 4,227 |
| Loan loss allowance to noncurrent loans | 2,977.8571% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 4,744 |
| Noncurrent loans to loans | 0.0297% | 4,645 |
| Net loans and leases to total assets | 74.7752% | 1,676 |
| Net loans and leases to deposits | 86.7162% | 2,035 |
| Net loans and leases to core deposits | 100.6989% | 1,555 |
| Total domestic deposits to total assets | 86.2298% | 2,170 |
| Equity capital to assets | 9.2409% | 4,488 |
| Core capital (leverage) ratio | 9.1757% | 4,495 |
| Tier 1 risk-based capital ratio | 13.8491% | 3,424 |
| Total risk-based capital ratio | 14.8926% | 3,438 |
| Memoranda: | ||
| Average total assets | $619,133,000 | 1,198 |
| Average earning assets | $590,427,000 | 1,168 |
| Average equity | $56,804,500 | 1,420 |
| Average total loans | $470,586,500 | 1,139 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 4,360 |
| Cost of funding earning assets | 0.5882% | 2,802 |
| Net interest margin | 3.2747% | 4,325 |
| Noninterest income to average assets | 0.7300% | 1,731 |
| Noninterest expense to average assets | 3.1491% | 1,679 |
| Loan and lease loss provision to assets | 0.0465% | 3,254 |
| Net operating income to assets | 0.5434% | 4,559 |
| Return on assets (ROA) | 0.5465% | 4,552 |
| Pretax return on assets | 0.6525% | 4,529 |
| Return on Equity (ROE) | 5.9466% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.9282% | 2,804 |
| Net charge-offs to loans | -0.0110% | 4,519 |
| Credit loss provision to net charge-offs | -561.2245% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9161% | 813 |
| Assets per employee ($millions) | 5.6202% | 1,845 |
| Cash dividends to net income (ytd only)* | 17.1252% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 4,283 |
| Loan loss allowance to noncurrent loans | 4,226.8041% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,813 |
| Noncurrent loans to loans | 0.0207% | 4,696 |
| Net loans and leases to total assets | 75.9159% | 1,631 |
| Net loans and leases to deposits | 91.4503% | 1,607 |
| Net loans and leases to core deposits | 104.5948% | 1,370 |
| Total domestic deposits to total assets | 83.0133% | 3,321 |
| Equity capital to assets | 9.1074% | 4,482 |
| Core capital (leverage) ratio | 9.2112% | 4,443 |
| Tier 1 risk-based capital ratio | 13.8140% | 3,375 |
| Total risk-based capital ratio | 14.8523% | 3,402 |
| Memoranda: | ||
| Average total assets | $591,914,000 | 1,220 |
| Average earning assets | $562,919,600 | 1,199 |
| Average equity | $54,401,200 | 1,421 |
| Average total loans | $445,656,800 | 1,154 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8211% | 4,388 |
| Cost of funding earning assets | 0.5368% | 2,953 |
| Net interest margin | 3.2843% | 4,328 |
| Noninterest income to average assets | 0.7306% | 1,749 |
| Noninterest expense to average assets | 3.2072% | 1,503 |
| Loan and lease loss provision to assets | 0.0454% | 3,081 |
| Net operating income to assets | 0.5120% | 4,734 |
| Return on assets (ROA) | 0.5120% | 4,735 |
| Pretax return on assets | 0.5990% | 4,731 |
| Return on Equity (ROE) | 5.5573% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.1908% | 3,680 |
| Net charge-offs to loans | 0.0042% | 3,304 |
| Credit loss provision to net charge-offs | 1,428.5714% | 287 |
| Earnings coverage of net charge-offs (x) | 202.5303% | 437 |
| Efficiency ratio | 83.2684% | 688 |
| Assets per employee ($millions) | 5.4266% | 1,986 |
| Cash dividends to net income (ytd only)* | 24.5895% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,400 |
| Loan loss allowance to noncurrent loans | 9,004.5455% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,984 |
| Noncurrent loans to loans | 0.0096% | 4,887 |
| Net loans and leases to total assets | 75.4940% | 1,733 |
| Net loans and leases to deposits | 88.8484% | 2,041 |
| Net loans and leases to core deposits | 100.1418% | 1,784 |
| Total domestic deposits to total assets | 84.9695% | 2,619 |
| Equity capital to assets | 8.9137% | 4,624 |
| Core capital (leverage) ratio | 9.2264% | 4,486 |
| Tier 1 risk-based capital ratio | 13.6701% | 3,531 |
| Total risk-based capital ratio | 14.6842% | 3,583 |
| Memoranda: | ||
| Average total assets | $586,741,750 | 1,233 |
| Average earning assets | $557,590,250 | 1,209 |
| Average equity | $54,053,500 | 1,434 |
| Average total loans | $439,780,250 | 1,164 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7915% | 4,364 |
| Cost of funding earning assets | 0.4901% | 3,088 |
| Net interest margin | 3.3014% | 4,244 |
| Noninterest income to average assets | 0.7367% | 1,702 |
| Noninterest expense to average assets | 3.2056% | 1,526 |
| Loan and lease loss provision to assets | 0.0430% | 3,041 |
| Net operating income to assets | 0.5417% | 4,643 |
| Return on assets (ROA) | 0.5417% | 4,648 |
| Pretax return on assets | 0.6225% | 4,700 |
| Return on Equity (ROE) | 5.8146% | 4,301 |
| Retained earnings to average equity (ytd only) | 3.7693% | 3,717 |
| Net charge-offs to loans | 0.0069% | 2,885 |
| Credit loss provision to net charge-offs | 833.3333% | 479 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 589 |
| Efficiency ratio | 82.8092% | 779 |
| Assets per employee ($millions) | 5.3273% | 2,072 |
| Cash dividends to net income (ytd only)* | 35.1746% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 4,449 |
| Loan loss allowance to noncurrent loans | 12,953.3333% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,027 |
| Noncurrent loans to loans | 0.0067% | 4,927 |
| Net loans and leases to total assets | 74.5461% | 1,859 |
| Net loans and leases to deposits | 89.7403% | 1,870 |
| Net loans and leases to core deposits | 98.4518% | 1,860 |
| Total domestic deposits to total assets | 83.0686% | 3,394 |
| Equity capital to assets | 9.1021% | 4,480 |
| Core capital (leverage) ratio | 9.3105% | 4,350 |
| Tier 1 risk-based capital ratio | 14.1413% | 3,291 |
| Total risk-based capital ratio | 15.1830% | 3,315 |
| Memoranda: | ||
| Average total assets | $581,537,670 | 1,241 |
| Average earning assets | $552,131,330 | 1,218 |
| Average equity | $54,174,000 | 1,439 |
| Average total loans | $433,472,670 | 1,179 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,396 |
| Cost of funding earning assets | 0.4648% | 3,084 |
| Net interest margin | 3.2690% | 4,265 |
| Noninterest income to average assets | 0.6909% | 1,875 |
| Noninterest expense to average assets | 3.2707% | 1,404 |
| Loan and lease loss provision to assets | 0.0347% | 3,043 |
| Net operating income to assets | 0.4779% | 4,746 |
| Return on assets (ROA) | 0.4779% | 4,749 |
| Pretax return on assets | 0.4883% | 4,888 |
| Return on Equity (ROE) | 5.0709% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.0709% | 3,142 |
| Net charge-offs to loans | -0.0009% | 3,753 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2132% | 630 |
| Assets per employee ($millions) | 5.1528% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 4,473 |
| Loan loss allowance to noncurrent loans | 1,028.7634% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 4,767 |
| Noncurrent loans to loans | 0.0870% | 4,595 |
| Net loans and leases to total assets | 73.4649% | 1,955 |
| Net loans and leases to deposits | 90.0242% | 1,689 |
| Net loans and leases to core deposits | 97.1575% | 1,894 |
| Total domestic deposits to total assets | 81.6057% | 4,065 |
| Equity capital to assets | 9.3555% | 4,224 |
| Core capital (leverage) ratio | 9.4002% | 4,189 |
| Tier 1 risk-based capital ratio | 14.4150% | 3,161 |
| Total risk-based capital ratio | 15.4671% | 3,190 |
| Memoranda: | ||
| Average total assets | $576,639,000 | 1,256 |
| Average earning assets | $547,331,000 | 1,231 |
| Average equity | $54,349,000 | 1,440 |
| Average total loans | $427,857,500 | 1,193 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6871% | 4,368 |
| Cost of funding earning assets | 0.3849% | 3,384 |
| Net interest margin | 3.3021% | 4,157 |
| Noninterest income to average assets | 0.7170% | 1,893 |
| Noninterest expense to average assets | 3.0300% | 2,072 |
| Loan and lease loss provision to assets | 0.0356% | 3,555 |
| Net operating income to assets | 0.4821% | 4,418 |
| Return on assets (ROA) | 0.4821% | 4,452 |
| Pretax return on assets | 0.7851% | 4,290 |
| Return on Equity (ROE) | 5.0633% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.0633% | 2,087 |
| Net charge-offs to loans | 0.0064% | 3,848 |
| Credit loss provision to net charge-offs | 740.7407% | 449 |
| Earnings coverage of net charge-offs (x) | 170.6667% | 442 |
| Efficiency ratio | 78.6874% | 1,256 |
| Assets per employee ($millions) | 5.3847% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 4,551 |
| Loan loss allowance to noncurrent loans | 453.8462% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 4,421 |
| Noncurrent loans to loans | 0.1944% | 4,139 |
| Net loans and leases to total assets | 73.6138% | 1,983 |
| Net loans and leases to deposits | 96.1204% | 1,080 |
| Net loans and leases to core deposits | 100.0031% | 1,717 |
| Total domestic deposits to total assets | 76.5850% | 4,909 |
| Equity capital to assets | 9.4949% | 4,240 |
| Core capital (leverage) ratio | 9.3148% | 4,273 |
| Tier 1 risk-based capital ratio | 14.4158% | 3,129 |
| Total risk-based capital ratio | 15.4663% | 3,136 |
| Memoranda: | ||
| Average total assets | $561,489,600 | 1,262 |
| Average earning assets | $532,835,000 | 1,235 |
| Average equity | $53,463,200 | 1,442 |
| Average total loans | $419,365,400 | 1,187 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 4,387 |
| Cost of funding earning assets | 0.3736% | 3,431 |
| Net interest margin | 3.2990% | 4,176 |
| Noninterest income to average assets | 0.6898% | 2,043 |
| Noninterest expense to average assets | 3.1094% | 1,774 |
| Loan and lease loss provision to assets | 0.0299% | 3,520 |
| Net operating income to assets | 0.5151% | 4,691 |
| Return on assets (ROA) | 0.5151% | 4,720 |
| Pretax return on assets | 0.6807% | 4,651 |
| Return on Equity (ROE) | 5.4057% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.4057% | 2,600 |
| Net charge-offs to loans | 0.0077% | 3,457 |
| Credit loss provision to net charge-offs | 520.8333% | 611 |
| Earnings coverage of net charge-offs (x) | 123.8719% | 613 |
| Efficiency ratio | 81.3978% | 967 |
| Assets per employee ($millions) | 5.1677% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,640 |
| Loan loss allowance to noncurrent loans | 615.2824% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,715 |
| Noncurrent loans to loans | 0.1433% | 4,482 |
| Net loans and leases to total assets | 73.2600% | 2,052 |
| Net loans and leases to deposits | 91.0661% | 1,681 |
| Net loans and leases to core deposits | 94.7810% | 2,195 |
| Total domestic deposits to total assets | 80.4471% | 4,221 |
| Equity capital to assets | 9.5715% | 4,373 |
| Core capital (leverage) ratio | 9.3445% | 4,356 |
| Tier 1 risk-based capital ratio | 14.5595% | 3,151 |
| Total risk-based capital ratio | 15.6088% | 3,172 |
| Memoranda: | ||
| Average total assets | $557,821,000 | 1,282 |
| Average earning assets | $529,280,500 | 1,252 |
| Average equity | $53,152,500 | 1,457 |
| Average total loans | $417,228,750 | 1,201 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 4,354 |
| Cost of funding earning assets | 0.3647% | 3,430 |
| Net interest margin | 3.2893% | 4,143 |
| Noninterest income to average assets | 0.6812% | 2,079 |
| Noninterest expense to average assets | 3.0523% | 1,968 |
| Loan and lease loss provision to assets | 0.0541% | 2,892 |
| Net operating income to assets | 0.5257% | 4,629 |
| Return on assets (ROA) | 0.5257% | 4,659 |
| Pretax return on assets | 0.6928% | 4,570 |
| Return on Equity (ROE) | 5.5259% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.5259% | 2,395 |
| Net charge-offs to loans | 0.0101% | 3,104 |
| Credit loss provision to net charge-offs | 714.2857% | 491 |
| Earnings coverage of net charge-offs (x) | 98.5714% | 660 |
| Efficiency ratio | 80.3400% | 1,177 |
| Assets per employee ($millions) | 5.1635% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,724 |
| Loan loss allowance to noncurrent loans | 171.3499% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 3,571 |
| Noncurrent loans to loans | 0.5123% | 3,219 |
| Net loans and leases to total assets | 74.1922% | 1,831 |
| Net loans and leases to deposits | 92.0180% | 1,490 |
| Net loans and leases to core deposits | 95.8289% | 1,995 |
| Total domestic deposits to total assets | 80.6280% | 4,276 |
| Equity capital to assets | 9.4578% | 4,445 |
| Core capital (leverage) ratio | 9.3214% | 4,341 |
| Tier 1 risk-based capital ratio | 14.2660% | 3,284 |
| Total risk-based capital ratio | 15.3159% | 3,318 |
| Memoranda: | ||
| Average total assets | $554,278,330 | 1,294 |
| Average earning assets | $525,402,000 | 1,261 |
| Average equity | $52,733,670 | 1,468 |
| Average total loans | $416,255,000 | 1,202 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 4,266 |
| Cost of funding earning assets | 0.3607% | 3,410 |
| Net interest margin | 3.2929% | 4,034 |
| Noninterest income to average assets | 0.7037% | 1,950 |
| Noninterest expense to average assets | 3.0916% | 1,887 |
| Loan and lease loss provision to assets | 0.0548% | 2,710 |
| Net operating income to assets | 0.5042% | 4,578 |
| Return on assets (ROA) | 0.5042% | 4,611 |
| Pretax return on assets | 0.6722% | 4,526 |
| Return on Equity (ROE) | 5.2832% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.2832% | 2,744 |
| Net charge-offs to loans | 0.0214% | 2,348 |
| Credit loss provision to net charge-offs | 340.9091% | 725 |
| Earnings coverage of net charge-offs (x) | 45.2273% | 950 |
| Efficiency ratio | 80.9606% | 1,261 |
| Assets per employee ($millions) | 4.8634% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 4,806 |
| Loan loss allowance to noncurrent loans | 230.9539% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 4,058 |
| Noncurrent loans to loans | 0.3841% | 3,726 |
| Net loans and leases to total assets | 74.3241% | 1,688 |
| Net loans and leases to deposits | 90.7425% | 1,458 |
| Net loans and leases to core deposits | 94.3238% | 1,954 |
| Total domestic deposits to total assets | 81.9066% | 4,191 |
| Equity capital to assets | 9.5821% | 4,200 |
| Core capital (leverage) ratio | 9.4527% | 4,173 |
| Tier 1 risk-based capital ratio | 14.5068% | 3,198 |
| Total risk-based capital ratio | 15.5693% | 3,223 |
| Memoranda: | ||
| Average total assets | $547,425,500 | 1,308 |
| Average earning assets | $517,843,500 | 1,273 |
| Average equity | $52,241,000 | 1,476 |
| Average total loans | $411,816,500 | 1,217 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 4,282 |
| Cost of funding earning assets | 0.3877% | 3,126 |
| Net interest margin | 3.2902% | 4,169 |
| Noninterest income to average assets | 0.8519% | 1,570 |
| Noninterest expense to average assets | 3.3308% | 1,517 |
| Loan and lease loss provision to assets | 0.0483% | 3,426 |
| Net operating income to assets | 0.4034% | 4,933 |
| Return on assets (ROA) | 0.4034% | 5,016 |
| Pretax return on assets | 0.5748% | 4,860 |
| Return on Equity (ROE) | 4.0836% | 4,804 |
| Retained earnings to average equity (ytd only) | 3.7785% | 3,229 |
| Net charge-offs to loans | 0.0008% | 4,260 |
| Credit loss provision to net charge-offs | 8,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 1,095.6667% | 64 |
| Efficiency ratio | 84.2411% | 990 |
| Assets per employee ($millions) | 4.8686% | 2,548 |
| Cash dividends to net income (ytd only)* | 7.4718% | 4,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,876 |
| Loan loss allowance to noncurrent loans | 172.3099% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 3,734 |
| Noncurrent loans to loans | 0.5081% | 3,322 |
| Net loans and leases to total assets | 74.8075% | 1,723 |
| Net loans and leases to deposits | 94.2483% | 1,172 |
| Net loans and leases to core deposits | 97.5579% | 1,796 |
| Total domestic deposits to total assets | 79.3728% | 4,703 |
| Equity capital to assets | 9.5037% | 4,269 |
| Core capital (leverage) ratio | 9.4144% | 4,206 |
| Tier 1 risk-based capital ratio | 14.2475% | 3,317 |
| Total risk-based capital ratio | 15.2895% | 3,354 |
| Memoranda: | ||
| Average total assets | $527,525,400 | 1,305 |
| Average earning assets | $497,348,600 | 1,280 |
| Average equity | $52,110,400 | 1,471 |
| Average total loans | $397,238,400 | 1,209 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 4,284 |
| Cost of funding earning assets | 0.3953% | 3,063 |
| Net interest margin | 3.2952% | 4,201 |
| Noninterest income to average assets | 0.8450% | 1,591 |
| Noninterest expense to average assets | 3.3582% | 1,436 |
| Loan and lease loss provision to assets | 0.0459% | 3,322 |
| Net operating income to assets | 0.3788% | 5,097 |
| Return on assets (ROA) | 0.3788% | 5,179 |
| Pretax return on assets | 0.5493% | 5,006 |
| Return on Equity (ROE) | 3.7968% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.4953% | 3,800 |
| Net charge-offs to loans | 0.0007% | 3,935 |
| Credit loss provision to net charge-offs | 9,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,166.0150% | 60 |
| Efficiency ratio | 84.9452% | 907 |
| Assets per employee ($millions) | 4.6823% | 2,775 |
| Cash dividends to net income (ytd only)* | 7.9408% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 4,937 |
| Loan loss allowance to noncurrent loans | 195.4042% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 4,053 |
| Noncurrent loans to loans | 0.4499% | 3,663 |
| Net loans and leases to total assets | 74.5483% | 1,782 |
| Net loans and leases to deposits | 91.2317% | 1,605 |
| Net loans and leases to core deposits | 94.4311% | 2,154 |
| Total domestic deposits to total assets | 81.7132% | 4,035 |
| Equity capital to assets | 9.9372% | 4,196 |
| Core capital (leverage) ratio | 9.3830% | 4,348 |
| Tier 1 risk-based capital ratio | 14.3062% | 3,389 |
| Total risk-based capital ratio | 15.3426% | 3,434 |
| Memoranda: | ||
| Average total assets | $523,085,500 | 1,318 |
| Average earning assets | $493,429,750 | 1,286 |
| Average equity | $52,182,500 | 1,475 |
| Average total loans | $393,668,750 | 1,213 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 4,291 |
| Cost of funding earning assets | 0.4039% | 2,992 |
| Net interest margin | 3.2996% | 4,232 |
| Noninterest income to average assets | 0.8227% | 1,635 |
| Noninterest expense to average assets | 3.3192% | 1,552 |
| Loan and lease loss provision to assets | 0.0462% | 3,224 |
| Net operating income to assets | 0.4019% | 5,023 |
| Return on assets (ROA) | 0.4019% | 5,104 |
| Pretax return on assets | 0.5678% | 4,978 |
| Return on Equity (ROE) | 4.0235% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.7229% | 3,525 |
| Net charge-offs to loans | 0.0010% | 3,670 |
| Credit loss provision to net charge-offs | 6,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 797.5000% | 66 |
| Efficiency ratio | 84.3888% | 1,012 |
| Assets per employee ($millions) | 4.7931% | 2,571 |
| Cash dividends to net income (ytd only)* | 7.4713% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 5,066 |
| Loan loss allowance to noncurrent loans | 189.4593% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 4,108 |
| Noncurrent loans to loans | 0.4582% | 3,725 |
| Net loans and leases to total assets | 74.4510% | 1,738 |
| Net loans and leases to deposits | 92.1766% | 1,489 |
| Net loans and leases to core deposits | 95.1542% | 2,055 |
| Total domestic deposits to total assets | 80.7700% | 4,338 |
| Equity capital to assets | 9.9738% | 4,259 |
| Core capital (leverage) ratio | 9.4397% | 4,282 |
| Tier 1 risk-based capital ratio | 14.3067% | 3,431 |
| Total risk-based capital ratio | 15.3341% | 3,473 |
| Memoranda: | ||
| Average total assets | $519,519,330 | 1,330 |
| Average earning assets | $489,756,330 | 1,303 |
| Average equity | $51,895,670 | 1,487 |
| Average total loans | $391,073,000 | 1,220 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7284% | 4,218 |
| Cost of funding earning assets | 0.4103% | 2,957 |
| Net interest margin | 3.3181% | 4,153 |
| Noninterest income to average assets | 0.6796% | 2,139 |
| Noninterest expense to average assets | 3.2973% | 1,611 |
| Loan and lease loss provision to assets | 0.0468% | 2,983 |
| Net operating income to assets | 0.3569% | 5,119 |
| Return on assets (ROA) | 0.3569% | 5,208 |
| Pretax return on assets | 0.4614% | 5,180 |
| Return on Equity (ROE) | 3.5703% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.2663% | 3,862 |
| Net charge-offs to loans | 0.0021% | 3,051 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 183 |
| Efficiency ratio | 86.6476% | 917 |
| Assets per employee ($millions) | 4.6882% | 2,762 |
| Cash dividends to net income (ytd only)* | 8.5153% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 5,140 |
| Loan loss allowance to noncurrent loans | 200.5294% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 4,260 |
| Noncurrent loans to loans | 0.4357% | 3,881 |
| Net loans and leases to total assets | 74.3277% | 1,682 |
| Net loans and leases to deposits | 91.4285% | 1,416 |
| Net loans and leases to core deposits | 94.4893% | 1,940 |
| Total domestic deposits to total assets | 81.2960% | 4,405 |
| Equity capital to assets | 9.9743% | 4,109 |
| Core capital (leverage) ratio | 9.5812% | 4,059 |
| Tier 1 risk-based capital ratio | 14.3483% | 3,469 |
| Total risk-based capital ratio | 15.3729% | 3,533 |
| Memoranda: | ||
| Average total assets | $513,262,500 | 1,343 |
| Average earning assets | $483,530,000 | 1,317 |
| Average equity | $51,311,500 | 1,496 |
| Average total loans | $386,823,000 | 1,227 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 4,365 |
| Cost of funding earning assets | 0.3721% | 3,461 |
| Net interest margin | 3.3276% | 4,188 |
| Noninterest income to average assets | 0.7717% | 1,893 |
| Noninterest expense to average assets | 3.4502% | 1,384 |
| Loan and lease loss provision to assets | 0.0188% | 4,029 |
| Net operating income to assets | 0.3176% | 5,306 |
| Return on assets (ROA) | 0.4459% | 4,979 |
| Pretax return on assets | 0.5968% | 4,846 |
| Return on Equity (ROE) | 4.4597% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.2455% | 2,967 |
| Net charge-offs to loans | -0.0005% | 4,820 |
| Credit loss provision to net charge-offs | -4,700.0000% | 5,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5868% | 794 |
| Assets per employee ($millions) | 4.5191% | 3,013 |
| Cash dividends to net income (ytd only)* | 4.8025% | 4,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 5,186 |
| Loan loss allowance to noncurrent loans | 161.6498% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 3,963 |
| Noncurrent loans to loans | 0.5406% | 3,542 |
| Net loans and leases to total assets | 75.0970% | 1,554 |
| Net loans and leases to deposits | 93.5220% | 1,246 |
| Net loans and leases to core deposits | 96.3307% | 1,811 |
| Total domestic deposits to total assets | 80.2987% | 4,667 |
| Equity capital to assets | 10.0205% | 3,932 |
| Core capital (leverage) ratio | 9.6537% | 3,968 |
| Tier 1 risk-based capital ratio | 14.4128% | 3,487 |
| Total risk-based capital ratio | 15.4344% | 3,529 |
| Memoranda: | ||
| Average total assets | $499,654,800 | 1,347 |
| Average earning assets | $468,921,400 | 1,322 |
| Average equity | $49,958,400 | 1,493 |
| Average total loans | $368,008,000 | 1,237 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 4,447 |
| Cost of funding earning assets | 0.3712% | 3,536 |
| Net interest margin | 3.3205% | 4,257 |
| Noninterest income to average assets | 0.7458% | 2,042 |
| Noninterest expense to average assets | 3.4958% | 1,293 |
| Loan and lease loss provision to assets | 0.0091% | 4,084 |
| Net operating income to assets | 0.2707% | 5,533 |
| Return on assets (ROA) | 0.4142% | 5,196 |
| Pretax return on assets | 0.5405% | 5,126 |
| Return on Equity (ROE) | 4.1444% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.9542% | 3,655 |
| Net charge-offs to loans | -0.0007% | 4,657 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5862% | 665 |
| Assets per employee ($millions) | 4.4731% | 3,056 |
| Cash dividends to net income (ytd only)* | 4.5893% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 5,286 |
| Loan loss allowance to noncurrent loans | 157.9933% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 4,142 |
| Noncurrent loans to loans | 0.5539% | 3,671 |
| Net loans and leases to total assets | 73.1070% | 1,888 |
| Net loans and leases to deposits | 92.0370% | 1,402 |
| Net loans and leases to core deposits | 94.8245% | 1,998 |
| Total domestic deposits to total assets | 79.4322% | 4,878 |
| Equity capital to assets | 9.8798% | 4,303 |
| Core capital (leverage) ratio | 9.5549% | 4,231 |
| Tier 1 risk-based capital ratio | 14.6708% | 3,458 |
| Total risk-based capital ratio | 15.7057% | 3,510 |
| Memoranda: | ||
| Average total assets | $498,033,500 | 1,355 |
| Average earning assets | $466,944,000 | 1,330 |
| Average equity | $49,768,500 | 1,503 |
| Average total loans | $364,148,250 | 1,252 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 4,387 |
| Cost of funding earning assets | 0.3708% | 3,591 |
| Net interest margin | 3.3350% | 4,159 |
| Noninterest income to average assets | 0.7343% | 2,063 |
| Noninterest expense to average assets | 3.4404% | 1,393 |
| Loan and lease loss provision to assets | 0.0138% | 3,843 |
| Net operating income to assets | 0.3041% | 5,432 |
| Return on assets (ROA) | 0.4376% | 5,110 |
| Pretax return on assets | 0.5793% | 5,027 |
| Return on Equity (ROE) | 4.3620% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.2207% | 3,349 |
| Net charge-offs to loans | -0.0011% | 4,556 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1815% | 811 |
| Assets per employee ($millions) | 4.5137% | 2,963 |
| Cash dividends to net income (ytd only)* | 3.2377% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 5,318 |
| Loan loss allowance to noncurrent loans | 166.8864% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 4,326 |
| Noncurrent loans to loans | 0.5359% | 3,848 |
| Net loans and leases to total assets | 72.7835% | 1,847 |
| Net loans and leases to deposits | 89.6073% | 1,645 |
| Net loans and leases to core deposits | 92.2828% | 2,130 |
| Total domestic deposits to total assets | 81.2251% | 4,539 |
| Equity capital to assets | 9.9123% | 4,135 |
| Core capital (leverage) ratio | 9.5724% | 4,173 |
| Tier 1 risk-based capital ratio | 15.6510% | 3,023 |
| Total risk-based capital ratio | 16.7653% | 3,046 |
| Memoranda: | ||
| Average total assets | $494,068,330 | 1,376 |
| Average earning assets | $462,731,000 | 1,351 |
| Average equity | $49,564,670 | 1,513 |
| Average total loans | $360,169,330 | 1,268 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 4,485 |
| Cost of funding earning assets | 0.3713% | 3,631 |
| Net interest margin | 3.2942% | 4,245 |
| Noninterest income to average assets | 0.6498% | 2,400 |
| Noninterest expense to average assets | 3.5272% | 1,252 |
| Loan and lease loss provision to assets | -0.0090% | 6,098 |
| Net operating income to assets | 0.1905% | 5,698 |
| Return on assets (ROA) | 0.2462% | 5,663 |
| Pretax return on assets | 0.2748% | 5,700 |
| Return on Equity (ROE) | 2.4396% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.4396% | 4,476 |
| Net charge-offs to loans | -0.0022% | 4,360 |
| Credit loss provision to net charge-offs | 550.0000% | 504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5367% | 569 |
| Assets per employee ($millions) | 4.5357% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 5,414 |
| Loan loss allowance to noncurrent loans | 164.6045% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 4,024 |
| Noncurrent loans to loans | 0.5527% | 3,924 |
| Net loans and leases to total assets | 72.1798% | 1,777 |
| Net loans and leases to deposits | 87.9834% | 1,612 |
| Net loans and leases to core deposits | 90.5635% | 2,081 |
| Total domestic deposits to total assets | 82.0380% | 4,501 |
| Equity capital to assets | 10.1695% | 3,922 |
| Core capital (leverage) ratio | 9.6207% | 4,124 |
| Tier 1 risk-based capital ratio | 15.9779% | 2,933 |
| Total risk-based capital ratio | 17.1170% | 2,925 |
| Memoranda: | ||
| Average total assets | $490,590,500 | 1,387 |
| Average earning assets | $458,873,500 | 1,362 |
| Average equity | $49,515,500 | 1,520 |
| Average total loans | $356,277,000 | 1,276 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7599% | 4,623 |
| Cost of funding earning assets | 0.4077% | 3,608 |
| Net interest margin | 3.3522% | 4,397 |
| Noninterest income to average assets | 0.6579% | 2,514 |
| Noninterest expense to average assets | 3.2568% | 2,051 |
| Loan and lease loss provision to assets | 0.1127% | 2,288 |
| Net operating income to assets | 0.3139% | 5,484 |
| Return on assets (ROA) | 0.3450% | 5,460 |
| Pretax return on assets | 0.4486% | 5,389 |
| Return on Equity (ROE) | 3.4820% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.1909% | 3,964 |
| Net charge-offs to loans | 0.0604% | 3,637 |
| Credit loss provision to net charge-offs | 269.4581% | 951 |
| Earnings coverage of net charge-offs (x) | 12.4581% | 2,369 |
| Efficiency ratio | 86.2112% | 1,147 |
| Assets per employee ($millions) | 4.6793% | 2,760 |
| Cash dividends to net income (ytd only)* | 8.3582% | 4,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 5,423 |
| Loan loss allowance to noncurrent loans | 171.1356% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 4,170 |
| Noncurrent loans to loans | 0.5347% | 4,056 |
| Net loans and leases to total assets | 71.7399% | 1,950 |
| Net loans and leases to deposits | 87.8854% | 1,746 |
| Net loans and leases to core deposits | 90.7725% | 2,204 |
| Total domestic deposits to total assets | 81.6289% | 4,559 |
| Equity capital to assets | 10.0168% | 4,093 |
| Core capital (leverage) ratio | 9.2630% | 4,584 |
| Tier 1 risk-based capital ratio | 15.1952% | 3,381 |
| Total risk-based capital ratio | 16.3326% | 3,393 |
| Memoranda: | ||
| Average total assets | $485,504,600 | 1,372 |
| Average earning assets | $451,852,200 | 1,358 |
| Average equity | $48,104,800 | 1,497 |
| Average total loans | $336,049,600 | 1,299 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 4,635 |
| Cost of funding earning assets | 0.4139% | 3,643 |
| Net interest margin | 3.3623% | 4,382 |
| Noninterest income to average assets | 0.6641% | 2,503 |
| Noninterest expense to average assets | 3.2599% | 1,996 |
| Loan and lease loss provision to assets | 0.1281% | 1,955 |
| Net operating income to assets | 0.3181% | 5,532 |
| Return on assets (ROA) | 0.3159% | 5,611 |
| Pretax return on assets | 0.3994% | 5,576 |
| Return on Equity (ROE) | 3.1975% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.9048% | 4,530 |
| Net charge-offs to loans | 0.0813% | 3,035 |
| Credit loss provision to net charge-offs | 230.1980% | 1,133 |
| Earnings coverage of net charge-offs (x) | 9.5296% | 2,660 |
| Efficiency ratio | 86.0102% | 1,184 |
| Assets per employee ($millions) | 4.6040% | 2,806 |
| Cash dividends to net income (ytd only)* | 9.1545% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 5,494 |
| Loan loss allowance to noncurrent loans | 180.5461% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 4,176 |
| Noncurrent loans to loans | 0.5160% | 4,388 |
| Net loans and leases to total assets | 69.8230% | 2,222 |
| Net loans and leases to deposits | 84.5820% | 2,079 |
| Net loans and leases to core deposits | 87.5610% | 2,475 |
| Total domestic deposits to total assets | 82.5507% | 4,283 |
| Equity capital to assets | 10.0565% | 4,099 |
| Core capital (leverage) ratio | 9.0463% | 5,007 |
| Tier 1 risk-based capital ratio | 14.9486% | 3,619 |
| Total risk-based capital ratio | 16.0496% | 3,641 |
| Memoranda: | ||
| Average total assets | $484,049,500 | 1,390 |
| Average earning assets | $450,037,500 | 1,378 |
| Average equity | $47,827,250 | 1,513 |
| Average total loans | $331,129,250 | 1,324 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 4,569 |
| Cost of funding earning assets | 0.4134% | 3,735 |
| Net interest margin | 3.3735% | 4,295 |
| Noninterest income to average assets | 0.6195% | 2,717 |
| Noninterest expense to average assets | 3.1553% | 2,320 |
| Loan and lease loss provision to assets | 0.1549% | 1,595 |
| Net operating income to assets | 0.3428% | 5,426 |
| Return on assets (ROA) | 0.3428% | 5,500 |
| Pretax return on assets | 0.4403% | 5,448 |
| Return on Equity (ROE) | 3.4900% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.1956% | 4,168 |
| Net charge-offs to loans | 0.1165% | 2,497 |
| Credit loss provision to net charge-offs | 196.3351% | 1,193 |
| Earnings coverage of net charge-offs (x) | 7.5445% | 2,613 |
| Efficiency ratio | 84.1317% | 1,497 |
| Assets per employee ($millions) | 5.0489% | 2,149 |
| Cash dividends to net income (ytd only)* | 8.4337% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 5,694 |
| Loan loss allowance to noncurrent loans | 316.1389% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 5,164 |
| Noncurrent loans to loans | 0.2880% | 5,158 |
| Net loans and leases to total assets | 67.3874% | 2,517 |
| Net loans and leases to deposits | 83.1461% | 2,126 |
| Net loans and leases to core deposits | 86.0940% | 2,506 |
| Total domestic deposits to total assets | 81.0471% | 4,965 |
| Equity capital to assets | 9.7125% | 4,472 |
| Core capital (leverage) ratio | 9.0615% | 4,926 |
| Tier 1 risk-based capital ratio | 14.2775% | 4,078 |
| Total risk-based capital ratio | 15.3117% | 4,146 |
| Memoranda: | ||
| Average total assets | $484,260,000 | 1,384 |
| Average earning assets | $449,443,330 | 1,373 |
| Average equity | $47,564,670 | 1,510 |
| Average total loans | $327,935,330 | 1,331 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7116% | 4,807 |
| Cost of funding earning assets | 0.4159% | 3,808 |
| Net interest margin | 3.2957% | 4,553 |
| Noninterest income to average assets | 0.6355% | 2,544 |
| Noninterest expense to average assets | 3.2187% | 2,162 |
| Loan and lease loss provision to assets | 0.1259% | 1,927 |
| Net operating income to assets | 0.2921% | 5,524 |
| Return on assets (ROA) | 0.2921% | 5,568 |
| Pretax return on assets | 0.3442% | 5,608 |
| Return on Equity (ROE) | 2.9571% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.6597% | 4,480 |
| Net charge-offs to loans | 0.0273% | 3,028 |
| Credit loss provision to net charge-offs | 681.8182% | 413 |
| Earnings coverage of net charge-offs (x) | 25.4545% | 1,152 |
| Efficiency ratio | 87.2553% | 1,311 |
| Assets per employee ($millions) | 4.9599% | 2,295 |
| Cash dividends to net income (ytd only)* | 10.0575% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 5,758 |
| Loan loss allowance to noncurrent loans | 114.2481% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 4,054 |
| Noncurrent loans to loans | 0.8183% | 3,833 |
| Net loans and leases to total assets | 66.9313% | 2,407 |
| Net loans and leases to deposits | 81.0060% | 2,164 |
| Net loans and leases to core deposits | 83.9858% | 2,518 |
| Total domestic deposits to total assets | 82.6251% | 4,742 |
| Equity capital to assets | 9.8688% | 3,996 |
| Core capital (leverage) ratio | 9.2898% | 4,593 |
| Tier 1 risk-based capital ratio | 14.3986% | 4,066 |
| Total risk-based capital ratio | 15.4353% | 4,150 |
| Memoranda: | ||
| Average total assets | $476,471,000 | 1,412 |
| Average earning assets | $441,423,000 | 1,397 |
| Average equity | $47,073,500 | 1,516 |
| Average total loans | $321,941,500 | 1,358 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7554% | 4,960 |
| Cost of funding earning assets | 0.4259% | 4,369 |
| Net interest margin | 3.3295% | 4,550 |
| Noninterest income to average assets | 0.7725% | 2,198 |
| Noninterest expense to average assets | 3.1989% | 2,426 |
| Loan and lease loss provision to assets | 0.0460% | 4,199 |
| Net operating income to assets | 0.4370% | 5,003 |
| Return on assets (ROA) | 0.4566% | 5,055 |
| Pretax return on assets | 0.6285% | 4,776 |
| Return on Equity (ROE) | 4.5731% | 4,853 |
| Retained earnings to average equity (ytd only) | 1.7199% | 5,014 |
| Net charge-offs to loans | 0.0581% | 4,412 |
| Credit loss provision to net charge-offs | 123.7288% | 1,923 |
| Earnings coverage of net charge-offs (x) | 17.4294% | 1,715 |
| Efficiency ratio | 83.1632% | 1,730 |
| Assets per employee ($millions) | 4.8642% | 2,358 |
| Cash dividends to net income (ytd only)* | 62.3908% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 5,882 |
| Loan loss allowance to noncurrent loans | 98.7449% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 4,363 |
| Noncurrent loans to loans | 0.9246% | 3,678 |
| Net loans and leases to total assets | 66.9560% | 2,530 |
| Net loans and leases to deposits | 81.2880% | 2,282 |
| Net loans and leases to core deposits | 84.2598% | 2,648 |
| Total domestic deposits to total assets | 82.3688% | 4,745 |
| Equity capital to assets | 9.8907% | 3,913 |
| Core capital (leverage) ratio | 9.2402% | 4,656 |
| Tier 1 risk-based capital ratio | 15.0630% | 3,630 |
| Total risk-based capital ratio | 16.1115% | 3,693 |
| Memoranda: | ||
| Average total assets | $476,352,200 | 1,394 |
| Average earning assets | $439,798,600 | 1,381 |
| Average equity | $47,560,800 | 1,475 |
| Average total loans | $304,827,600 | 1,388 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 4,950 |
| Cost of funding earning assets | 0.4333% | 4,472 |
| Net interest margin | 3.3395% | 4,497 |
| Noninterest income to average assets | 0.7955% | 2,173 |
| Noninterest expense to average assets | 3.2173% | 2,313 |
| Loan and lease loss provision to assets | 0.0975% | 3,137 |
| Net operating income to assets | 0.4159% | 5,182 |
| Return on assets (ROA) | 0.4423% | 5,196 |
| Pretax return on assets | 0.5959% | 5,022 |
| Return on Equity (ROE) | 4.4198% | 5,015 |
| Retained earnings to average equity (ytd only) | 4.0375% | 3,823 |
| Net charge-offs to loans | 0.0788% | 3,823 |
| Credit loss provision to net charge-offs | 196.0674% | 1,235 |
| Earnings coverage of net charge-offs (x) | 13.2302% | 2,048 |
| Efficiency ratio | 83.0295% | 1,703 |
| Assets per employee ($millions) | 4.6240% | 2,673 |
| Cash dividends to net income (ytd only)* | 8.6489% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 5,860 |
| Loan loss allowance to noncurrent loans | 149.5327% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 4,903 |
| Noncurrent loans to loans | 0.6463% | 4,575 |
| Net loans and leases to total assets | 66.6991% | 2,522 |
| Net loans and leases to deposits | 81.6165% | 2,184 |
| Net loans and leases to core deposits | 84.3268% | 2,616 |
| Total domestic deposits to total assets | 81.7225% | 5,020 |
| Equity capital to assets | 10.2164% | 3,617 |
| Core capital (leverage) ratio | 9.4650% | 4,454 |
| Tier 1 risk-based capital ratio | 15.3309% | 3,548 |
| Total risk-based capital ratio | 16.4135% | 3,608 |
| Memoranda: | ||
| Average total assets | $477,483,250 | 1,398 |
| Average earning assets | $440,288,500 | 1,385 |
| Average equity | $47,784,250 | 1,478 |
| Average total loans | $301,327,500 | 1,403 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7368% | 5,033 |
| Cost of funding earning assets | 0.4411% | 4,530 |
| Net interest margin | 3.2957% | 4,604 |
| Noninterest income to average assets | 0.8175% | 2,119 |
| Noninterest expense to average assets | 3.1694% | 2,443 |
| Loan and lease loss provision to assets | 0.1139% | 2,911 |
| Net operating income to assets | 0.4208% | 5,138 |
| Return on assets (ROA) | 0.4670% | 5,119 |
| Pretax return on assets | 0.6321% | 4,906 |
| Return on Equity (ROE) | 4.6980% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.3173% | 3,531 |
| Net charge-offs to loans | 0.0182% | 4,476 |
| Credit loss provision to net charge-offs | 1,014.8148% | 296 |
| Earnings coverage of net charge-offs (x) | 60.8889% | 693 |
| Efficiency ratio | 82.2577% | 1,849 |
| Assets per employee ($millions) | 4.7696% | 2,425 |
| Cash dividends to net income (ytd only)* | 8.1033% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 5,859 |
| Loan loss allowance to noncurrent loans | 116.3990% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 4,863 |
| Noncurrent loans to loans | 0.8518% | 4,216 |
| Net loans and leases to total assets | 64.5906% | 2,825 |
| Net loans and leases to deposits | 78.6459% | 2,502 |
| Net loans and leases to core deposits | 81.3309% | 2,881 |
| Total domestic deposits to total assets | 82.1283% | 5,012 |
| Equity capital to assets | 9.7587% | 4,230 |
| Core capital (leverage) ratio | 9.1267% | 4,790 |
| Tier 1 risk-based capital ratio | 15.0702% | 3,735 |
| Total risk-based capital ratio | 16.1763% | 3,794 |
| Memoranda: | ||
| Average total assets | $480,970,000 | 1,385 |
| Average earning assets | $443,003,000 | 1,379 |
| Average equity | $47,808,000 | 1,491 |
| Average total loans | $296,923,330 | 1,421 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 5,040 |
| Cost of funding earning assets | 0.4567% | 4,518 |
| Net interest margin | 3.2780% | 4,598 |
| Noninterest income to average assets | 0.8065% | 2,101 |
| Noninterest expense to average assets | 3.1711% | 2,452 |
| Loan and lease loss provision to assets | 0.0666% | 3,526 |
| Net operating income to assets | 0.4236% | 5,036 |
| Return on assets (ROA) | 0.5135% | 4,741 |
| Pretax return on assets | 0.7108% | 4,533 |
| Return on Equity (ROE) | 5.1196% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.7462% | 3,390 |
| Net charge-offs to loans | -0.0028% | 5,185 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9343% | 1,896 |
| Assets per employee ($millions) | 4.7699% | 2,540 |
| Cash dividends to net income (ytd only)* | 7.2934% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 5,924 |
| Loan loss allowance to noncurrent loans | 113.1085% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 5,040 |
| Noncurrent loans to loans | 0.9008% | 4,332 |
| Net loans and leases to total assets | 59.5079% | 3,515 |
| Net loans and leases to deposits | 72.8497% | 3,078 |
| Net loans and leases to core deposits | 75.4765% | 3,391 |
| Total domestic deposits to total assets | 81.6858% | 5,300 |
| Equity capital to assets | 10.0282% | 4,115 |
| Core capital (leverage) ratio | 9.2913% | 4,415 |
| Tier 1 risk-based capital ratio | 15.8800% | 3,333 |
| Total risk-based capital ratio | 16.9632% | 3,380 |
| Memoranda: | ||
| Average total assets | $480,588,500 | 1,397 |
| Average earning assets | $442,343,500 | 1,394 |
| Average equity | $48,206,500 | 1,498 |
| Average total loans | $288,250,000 | 1,472 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 4,970 |
| Cost of funding earning assets | 0.6783% | 3,660 |
| Net interest margin | 3.4164% | 4,827 |
| Noninterest income to average assets | 0.8311% | 2,120 |
| Noninterest expense to average assets | 3.3427% | 2,210 |
| Loan and lease loss provision to assets | 0.0324% | 5,490 |
| Net operating income to assets | 0.4555% | 4,861 |
| Return on assets (ROA) | 0.4349% | 5,190 |
| Pretax return on assets | 0.5786% | 5,058 |
| Return on Equity (ROE) | 4.1251% | 5,091 |
| Retained earnings to average equity (ytd only) | -6.4011% | 6,496 |
| Net charge-offs to loans | 0.1260% | 4,423 |
| Credit loss provision to net charge-offs | 43.6111% | 4,849 |
| Earnings coverage of net charge-offs (x) | 8.5889% | 2,384 |
| Efficiency ratio | 83.9627% | 1,636 |
| Assets per employee ($millions) | 4.8426% | 2,429 |
| Cash dividends to net income (ytd only)* | 255.1757% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 5,958 |
| Loan loss allowance to noncurrent loans | 139.8148% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 4,245 |
| Noncurrent loans to loans | 0.7153% | 4,754 |
| Net loans and leases to total assets | 59.2375% | 3,741 |
| Net loans and leases to deposits | 72.5156% | 3,323 |
| Net loans and leases to core deposits | 75.3897% | 3,617 |
| Total domestic deposits to total assets | 81.6893% | 5,198 |
| Equity capital to assets | 10.0333% | 4,125 |
| Core capital (leverage) ratio | 9.0381% | 4,835 |
| Tier 1 risk-based capital ratio | 15.1751% | 3,628 |
| Total risk-based capital ratio | 16.2304% | 3,685 |
| Memoranda: | ||
| Average total assets | $484,285,200 | 1,375 |
| Average earning assets | $446,527,000 | 1,358 |
| Average equity | $51,053,400 | 1,389 |
| Average total loans | $285,819,600 | 1,464 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 4,919 |
| Cost of funding earning assets | 0.7191% | 3,604 |
| Net interest margin | 3.4500% | 4,842 |
| Noninterest income to average assets | 0.8035% | 2,223 |
| Noninterest expense to average assets | 3.3822% | 2,051 |
| Loan and lease loss provision to assets | 0.0266% | 5,451 |
| Net operating income to assets | 0.4392% | 5,083 |
| Return on assets (ROA) | 0.4117% | 5,433 |
| Pretax return on assets | 0.5443% | 5,330 |
| Return on Equity (ROE) | 3.8590% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.1278% | 4,672 |
| Net charge-offs to loans | 0.1676% | 3,775 |
| Credit loss provision to net charge-offs | 27.0195% | 4,848 |
| Earnings coverage of net charge-offs (x) | 6.1588% | 2,839 |
| Efficiency ratio | 84.7801% | 1,500 |
| Assets per employee ($millions) | 4.7451% | 2,535 |
| Cash dividends to net income (ytd only)* | 18.9461% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,077 |
| Loan loss allowance to noncurrent loans | 82.3805% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2748% | 3,738 |
| Noncurrent loans to loans | 1.2148% | 4,025 |
| Net loans and leases to total assets | 58.5800% | 4,029 |
| Net loans and leases to deposits | 72.7754% | 3,481 |
| Net loans and leases to core deposits | 77.0395% | 3,597 |
| Total domestic deposits to total assets | 80.4943% | 5,516 |
| Equity capital to assets | 11.1486% | 3,094 |
| Core capital (leverage) ratio | 9.8966% | 3,694 |
| Tier 1 risk-based capital ratio | 16.8253% | 2,829 |
| Total risk-based capital ratio | 17.8662% | 2,904 |
| Memoranda: | ||
| Average total assets | $485,503,000 | 1,388 |
| Average earning assets | $448,332,500 | 1,371 |
| Average equity | $51,791,500 | 1,378 |
| Average total loans | $285,559,000 | 1,476 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 4,874 |
| Cost of funding earning assets | 0.7416% | 3,675 |
| Net interest margin | 3.4801% | 4,761 |
| Noninterest income to average assets | 0.6885% | 2,725 |
| Noninterest expense to average assets | 3.1707% | 2,682 |
| Loan and lease loss provision to assets | 0.0859% | 4,513 |
| Net operating income to assets | 0.4713% | 4,941 |
| Return on assets (ROA) | 0.4457% | 5,286 |
| Pretax return on assets | 0.6088% | 5,109 |
| Return on Equity (ROE) | 4.2395% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.5005% | 4,264 |
| Net charge-offs to loans | 0.2500% | 3,078 |
| Credit loss provision to net charge-offs | 58.4958% | 3,840 |
| Earnings coverage of net charge-offs (x) | 4.9721% | 2,945 |
| Efficiency ratio | 81.2893% | 1,990 |
| Assets per employee ($millions) | 4.9025% | 2,290 |
| Cash dividends to net income (ytd only)* | 17.4312% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 6,080 |
| Loan loss allowance to noncurrent loans | 94.4121% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.1884% | 4,034 |
| Noncurrent loans to loans | 1.0783% | 4,361 |
| Net loans and leases to total assets | 58.5550% | 4,069 |
| Net loans and leases to deposits | 74.5774% | 3,193 |
| Net loans and leases to core deposits | 79.0292% | 3,363 |
| Total domestic deposits to total assets | 78.5157% | 6,052 |
| Equity capital to assets | 10.6862% | 3,471 |
| Core capital (leverage) ratio | 9.6802% | 3,865 |
| Tier 1 risk-based capital ratio | 16.5689% | 2,877 |
| Total risk-based capital ratio | 17.6470% | 2,928 |
| Memoranda: | ||
| Average total assets | $489,168,000 | 1,381 |
| Average earning assets | $451,481,670 | 1,368 |
| Average equity | $51,421,670 | 1,384 |
| Average total loans | $287,153,000 | 1,474 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 4,799 |
| Cost of funding earning assets | 0.7570% | 3,812 |
| Net interest margin | 3.5272% | 4,576 |
| Noninterest income to average assets | 0.7038% | 2,644 |
| Noninterest expense to average assets | 3.2451% | 2,455 |
| Loan and lease loss provision to assets | 0.1344% | 3,672 |
| Net operating income to assets | 0.4730% | 4,939 |
| Return on assets (ROA) | 0.4162% | 5,379 |
| Pretax return on assets | 0.5107% | 5,398 |
| Return on Equity (ROE) | 3.9922% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.2422% | 4,623 |
| Net charge-offs to loans | 0.2995% | 2,461 |
| Credit loss provision to net charge-offs | 76.7442% | 2,788 |
| Earnings coverage of net charge-offs (x) | 4.0837% | 2,666 |
| Efficiency ratio | 81.9416% | 1,939 |
| Assets per employee ($millions) | 4.9603% | 2,299 |
| Cash dividends to net income (ytd only)* | 18.7867% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 6,079 |
| Loan loss allowance to noncurrent loans | 169.3946% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 4,740 |
| Noncurrent loans to loans | 0.6195% | 5,418 |
| Net loans and leases to total assets | 58.0251% | 4,032 |
| Net loans and leases to deposits | 74.5091% | 3,046 |
| Net loans and leases to core deposits | 79.0349% | 3,179 |
| Total domestic deposits to total assets | 77.8765% | 6,278 |
| Equity capital to assets | 10.4558% | 3,546 |
| Core capital (leverage) ratio | 9.5083% | 4,035 |
| Tier 1 risk-based capital ratio | 16.4515% | 2,932 |
| Total risk-based capital ratio | 17.5689% | 2,966 |
| Memoranda: | ||
| Average total assets | $491,080,000 | 1,371 |
| Average earning assets | $453,386,500 | 1,365 |
| Average equity | $51,200,000 | 1,387 |
| Average total loans | $287,171,500 | 1,478 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 5,371 |
| Cost of funding earning assets | 0.8617% | 4,379 |
| Net interest margin | 3.5504% | 4,931 |
| Noninterest income to average assets | 0.6660% | 2,802 |
| Noninterest expense to average assets | 3.2972% | 2,532 |
| Loan and lease loss provision to assets | 0.1440% | 4,812 |
| Net operating income to assets | 0.4016% | 4,857 |
| Return on assets (ROA) | 0.4601% | 4,797 |
| Pretax return on assets | 0.5694% | 4,785 |
| Return on Equity (ROE) | 4.5781% | 4,584 |
| Retained earnings to average equity (ytd only) | 3.8547% | 3,468 |
| Net charge-offs to loans | 0.1008% | 5,347 |
| Credit loss provision to net charge-offs | 255.4348% | 942 |
| Earnings coverage of net charge-offs (x) | 11.3732% | 1,730 |
| Efficiency ratio | 83.7223% | 1,798 |
| Assets per employee ($millions) | 4.8146% | 2,432 |
| Cash dividends to net income (ytd only)* | 15.8012% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 5,916 |
| Loan loss allowance to noncurrent loans | 91.8386% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9076% | 4,797 |
| Noncurrent loans to loans | 1.1680% | 4,413 |
| Net loans and leases to total assets | 57.6891% | 4,429 |
| Net loans and leases to deposits | 75.1651% | 3,315 |
| Net loans and leases to core deposits | 79.9794% | 3,450 |
| Total domestic deposits to total assets | 76.7498% | 6,372 |
| Equity capital to assets | 10.3962% | 3,660 |
| Core capital (leverage) ratio | 9.4773% | 4,061 |
| Tier 1 risk-based capital ratio | 16.3678% | 2,879 |
| Total risk-based capital ratio | 17.5079% | 2,894 |
| Memoranda: | ||
| Average total assets | $489,663,200 | 1,365 |
| Average earning assets | $451,302,200 | 1,346 |
| Average equity | $49,212,800 | 1,385 |
| Average total loans | $273,936,200 | 1,545 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 5,498 |
| Cost of funding earning assets | 0.8906% | 4,466 |
| Net interest margin | 3.5393% | 5,025 |
| Noninterest income to average assets | 0.6515% | 2,867 |
| Noninterest expense to average assets | 3.3639% | 2,296 |
| Loan and lease loss provision to assets | 0.1471% | 4,606 |
| Net operating income to assets | 0.3398% | 5,251 |
| Return on assets (ROA) | 0.4215% | 5,088 |
| Pretax return on assets | 0.4951% | 5,178 |
| Return on Equity (ROE) | 4.2308% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.5061% | 4,248 |
| Net charge-offs to loans | 0.0876% | 5,098 |
| Credit loss provision to net charge-offs | 303.3708% | 936 |
| Earnings coverage of net charge-offs (x) | 11.2583% | 1,828 |
| Efficiency ratio | 86.0339% | 1,527 |
| Assets per employee ($millions) | 4.9497% | 2,261 |
| Cash dividends to net income (ytd only)* | 17.1297% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 5,948 |
| Loan loss allowance to noncurrent loans | 97.0294% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8799% | 4,978 |
| Noncurrent loans to loans | 1.1167% | 4,683 |
| Net loans and leases to total assets | 56.5556% | 4,751 |
| Net loans and leases to deposits | 71.8318% | 4,013 |
| Net loans and leases to core deposits | 76.5643% | 4,120 |
| Total domestic deposits to total assets | 78.7333% | 6,038 |
| Equity capital to assets | 10.3965% | 3,837 |
| Core capital (leverage) ratio | 9.4258% | 4,260 |
| Tier 1 risk-based capital ratio | 16.1626% | 3,030 |
| Total risk-based capital ratio | 17.2796% | 3,066 |
| Memoranda: | ||
| Average total assets | $489,305,750 | 1,369 |
| Average earning assets | $450,473,500 | 1,360 |
| Average equity | $48,752,250 | 1,403 |
| Average total loans | $270,825,500 | 1,579 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 5,584 |
| Cost of funding earning assets | 0.9083% | 4,597 |
| Net interest margin | 3.5241% | 5,052 |
| Noninterest income to average assets | 0.6529% | 2,812 |
| Noninterest expense to average assets | 3.2728% | 2,661 |
| Loan and lease loss provision to assets | 0.1467% | 4,474 |
| Net operating income to assets | 0.3967% | 4,964 |
| Return on assets (ROA) | 0.4361% | 4,929 |
| Pretax return on assets | 0.5311% | 4,965 |
| Return on Equity (ROE) | 4.4405% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.7059% | 3,856 |
| Net charge-offs to loans | 0.0253% | 5,469 |
| Credit loss provision to net charge-offs | 1,058.8235% | 319 |
| Earnings coverage of net charge-offs (x) | 45.4412% | 678 |
| Efficiency ratio | 83.8642% | 1,830 |
| Assets per employee ($millions) | 4.6080% | 2,676 |
| Cash dividends to net income (ytd only)* | 16.5421% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,986 |
| Loan loss allowance to noncurrent loans | 117.4911% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 5,175 |
| Noncurrent loans to loans | 0.9305% | 5,110 |
| Net loans and leases to total assets | 55.5136% | 5,064 |
| Net loans and leases to deposits | 70.3658% | 4,389 |
| Net loans and leases to core deposits | 74.7619% | 4,474 |
| Total domestic deposits to total assets | 78.8928% | 6,109 |
| Equity capital to assets | 10.2369% | 3,833 |
| Core capital (leverage) ratio | 9.3305% | 4,206 |
| Tier 1 risk-based capital ratio | 16.5821% | 2,700 |
| Total risk-based capital ratio | 17.7120% | 2,723 |
| Memoranda: | ||
| Average total assets | $490,718,330 | 1,368 |
| Average earning assets | $452,480,000 | 1,353 |
| Average equity | $48,193,000 | 1,404 |
| Average total loans | $268,654,670 | 1,608 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 5,662 |
| Cost of funding earning assets | 0.9205% | 4,772 |
| Net interest margin | 3.4877% | 5,066 |
| Noninterest income to average assets | 0.6978% | 2,588 |
| Noninterest expense to average assets | 3.5406% | 1,902 |
| Loan and lease loss provision to assets | 0.1457% | 4,189 |
| Net operating income to assets | 0.2647% | 5,563 |
| Return on assets (ROA) | 0.2307% | 5,743 |
| Pretax return on assets | 0.1918% | 5,958 |
| Return on Equity (ROE) | 2.3988% | 5,638 |
| Retained earnings to average equity (ytd only) | 1.6581% | 5,126 |
| Net charge-offs to loans | 0.0090% | 4,977 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 407 |
| Efficiency ratio | 90.5028% | 1,292 |
| Assets per employee ($millions) | 4.4311% | 3,008 |
| Cash dividends to net income (ytd only)* | 30.8772% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 6,205 |
| Loan loss allowance to noncurrent loans | 80.9018% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 4,893 |
| Noncurrent loans to loans | 1.3044% | 4,517 |
| Net loans and leases to total assets | 53.7023% | 5,349 |
| Net loans and leases to deposits | 68.1575% | 4,659 |
| Net loans and leases to core deposits | 72.4526% | 4,732 |
| Total domestic deposits to total assets | 78.7915% | 6,240 |
| Equity capital to assets | 9.6967% | 4,183 |
| Core capital (leverage) ratio | 9.1020% | 4,446 |
| Tier 1 risk-based capital ratio | 16.4302% | 2,695 |
| Total risk-based capital ratio | 17.5121% | 2,740 |
| Memoranda: | ||
| Average total assets | $494,157,500 | 1,365 |
| Average earning assets | $455,426,000 | 1,357 |
| Average equity | $47,524,500 | 1,412 |
| Average total loans | $267,199,000 | 1,631 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 5,804 |
| Cost of funding earning assets | 1.1041% | 5,115 |
| Net interest margin | 3.5958% | 4,838 |
| Noninterest income to average assets | 0.6646% | 3,049 |
| Noninterest expense to average assets | 3.7285% | 1,634 |
| Loan and lease loss provision to assets | 0.1795% | 5,424 |
| Net operating income to assets | 0.1034% | 5,577 |
| Return on assets (ROA) | 0.1774% | 5,517 |
| Pretax return on assets | 0.1425% | 5,617 |
| Return on Equity (ROE) | 1.9116% | 5,416 |
| Retained earnings to average equity (ytd only) | 1.1010% | 4,994 |
| Net charge-offs to loans | 0.2412% | 4,835 |
| Credit loss provision to net charge-offs | 134.6395% | 2,897 |
| Earnings coverage of net charge-offs (x) | 1.8605% | 4,334 |
| Efficiency ratio | 93.7631% | 1,071 |
| Assets per employee ($millions) | 4.3935% | 3,044 |
| Cash dividends to net income (ytd only)* | 42.4028% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 6,434 |
| Loan loss allowance to noncurrent loans | 66.9792% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.3060% | 4,418 |
| Noncurrent loans to loans | 1.4754% | 4,271 |
| Net loans and leases to total assets | 53.3378% | 5,729 |
| Net loans and leases to deposits | 67.8527% | 5,118 |
| Net loans and leases to core deposits | 72.1238% | 5,193 |
| Total domestic deposits to total assets | 78.6082% | 6,189 |
| Equity capital to assets | 9.5386% | 4,351 |
| Core capital (leverage) ratio | 9.1144% | 4,327 |
| Tier 1 risk-based capital ratio | 16.0205% | 2,740 |
| Total risk-based capital ratio | 17.0158% | 2,823 |
| Memoranda: | ||
| Average total assets | $478,610,800 | 1,403 |
| Average earning assets | $440,816,200 | 1,383 |
| Average equity | $44,413,800 | 1,503 |
| Average total loans | $264,496,000 | 1,677 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 5,776 |
| Cost of funding earning assets | 1.1438% | 5,183 |
| Net interest margin | 3.6281% | 4,740 |
| Noninterest income to average assets | 0.5573% | 3,724 |
| Noninterest expense to average assets | 3.9149% | 1,180 |
| Loan and lease loss provision to assets | 0.1909% | 5,134 |
| Net operating income to assets | -0.0414% | 6,084 |
| Return on assets (ROA) | -0.0051% | 6,139 |
| Pretax return on assets | -0.1488% | 6,268 |
| Return on Equity (ROE) | -0.0549% | 6,142 |
| Retained earnings to average equity (ytd only) | -0.8852% | 5,993 |
| Net charge-offs to loans | 0.3053% | 4,140 |
| Credit loss provision to net charge-offs | 112.4172% | 3,754 |
| Earnings coverage of net charge-offs (x) | -0.0861% | 6,100 |
| Efficiency ratio | 100.3749% | 730 |
| Assets per employee ($millions) | 4.2974% | 3,266 |
| Cash dividends to net income (ytd only)* | -1,511.0833% | 7,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 6,660 |
| Loan loss allowance to noncurrent loans | 60.8283% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3595% | 4,449 |
| Noncurrent loans to loans | 1.5201% | 4,357 |
| Net loans and leases to total assets | 55.0955% | 5,681 |
| Net loans and leases to deposits | 70.7277% | 5,046 |
| Net loans and leases to core deposits | 74.6418% | 5,210 |
| Total domestic deposits to total assets | 77.8980% | 6,280 |
| Equity capital to assets | 9.8362% | 4,364 |
| Core capital (leverage) ratio | 9.0267% | 4,653 |
| Tier 1 risk-based capital ratio | 15.7846% | 2,866 |
| Total risk-based capital ratio | 16.7293% | 2,977 |
| Memoranda: | ||
| Average total assets | $474,147,000 | 1,431 |
| Average earning assets | $436,877,000 | 1,411 |
| Average equity | $43,678,250 | 1,526 |
| Average total loans | $263,758,250 | 1,703 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 5,811 |
| Cost of funding earning assets | 1.1999% | 5,134 |
| Net interest margin | 3.5954% | 4,832 |
| Noninterest income to average assets | 0.4852% | 4,236 |
| Noninterest expense to average assets | 4.0725% | 954 |
| Loan and lease loss provision to assets | 0.2249% | 4,655 |
| Net operating income to assets | -0.2338% | 6,395 |
| Return on assets (ROA) | -0.2632% | 6,475 |
| Pretax return on assets | -0.5452% | 6,622 |
| Return on Equity (ROE) | -2.9256% | 6,509 |
| Retained earnings to average equity (ytd only) | -3.7574% | 6,415 |
| Net charge-offs to loans | 0.1880% | 4,485 |
| Credit loss provision to net charge-offs | 215.0407% | 1,812 |
| Earnings coverage of net charge-offs (x) | -2.6220% | 6,244 |
| Efficiency ratio | 107.2212% | 603 |
| Assets per employee ($millions) | 4.2294% | 3,333 |
| Cash dividends to net income (ytd only)* | -28.4330% | 7,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 6,433 |
| Loan loss allowance to noncurrent loans | 53.6813% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3257% | 4,501 |
| Noncurrent loans to loans | 1.8532% | 3,931 |
| Net loans and leases to total assets | 54.8690% | 5,862 |
| Net loans and leases to deposits | 70.3674% | 5,225 |
| Net loans and leases to core deposits | 73.9816% | 5,450 |
| Total domestic deposits to total assets | 77.9750% | 6,273 |
| Equity capital to assets | 9.5172% | 4,680 |
| Core capital (leverage) ratio | 8.7067% | 5,062 |
| Tier 1 risk-based capital ratio | 15.6517% | 2,824 |
| Total risk-based capital ratio | 16.6656% | 2,901 |
| Memoranda: | ||
| Average total assets | $470,328,000 | 1,449 |
| Average earning assets | $433,383,000 | 1,433 |
| Average equity | $42,316,000 | 1,562 |
| Average total loans | $261,663,330 | 1,741 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 5,373 |
| Cost of funding earning assets | 1.3202% | 4,690 |
| Net interest margin | 3.5972% | 4,743 |
| Noninterest income to average assets | 0.4268% | 4,686 |
| Noninterest expense to average assets | 3.7020% | 1,513 |
| Loan and lease loss provision to assets | 0.1591% | 4,941 |
| Net operating income to assets | 0.0185% | 6,239 |
| Return on assets (ROA) | -0.1078% | 6,517 |
| Pretax return on assets | -0.3181% | 6,655 |
| Return on Equity (ROE) | -1.2361% | 6,554 |
| Retained earnings to average equity (ytd only) | -2.0933% | 6,227 |
| Net charge-offs to loans | -0.0016% | 6,759 |
| Credit loss provision to net charge-offs | -18,300.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9775% | 883 |
| Assets per employee ($millions) | 4.4306% | 3,075 |
| Cash dividends to net income (ytd only)* | -69.3548% | 7,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 6,649 |
| Loan loss allowance to noncurrent loans | 47.3818% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3563% | 4,481 |
| Noncurrent loans to loans | 2.0189% | 3,765 |
| Net loans and leases to total assets | 52.0502% | 6,268 |
| Net loans and leases to deposits | 70.0465% | 5,341 |
| Net loans and leases to core deposits | 73.8935% | 5,507 |
| Total domestic deposits to total assets | 74.3081% | 7,005 |
| Equity capital to assets | 9.0096% | 5,264 |
| Core capital (leverage) ratio | 8.5263% | 5,328 |
| Tier 1 risk-based capital ratio | 15.3738% | 2,933 |
| Total risk-based capital ratio | 16.3190% | 3,039 |
| Memoranda: | ||
| Average total assets | $460,184,000 | 1,527 |
| Average earning assets | $423,890,000 | 1,508 |
| Average equity | $40,127,500 | 1,675 |
| Average total loans | $256,544,500 | 1,827 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 5,216 |
| Cost of funding earning assets | 1.7548% | 4,229 |
| Net interest margin | 3.5371% | 4,792 |
| Noninterest income to average assets | 0.9699% | 1,668 |
| Noninterest expense to average assets | 3.5550% | 2,256 |
| Loan and lease loss provision to assets | 0.2479% | 5,407 |
| Net operating income to assets | 0.3408% | 4,372 |
| Return on assets (ROA) | 0.4936% | 3,854 |
| Pretax return on assets | 0.6429% | 3,769 |
| Return on Equity (ROE) | 6.1862% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.8788% | 1,884 |
| Net charge-offs to loans | 0.2918% | 4,811 |
| Credit loss provision to net charge-offs | 137.8303% | 3,568 |
| Earnings coverage of net charge-offs (x) | 3.8498% | 3,174 |
| Efficiency ratio | 83.6975% | 2,389 |
| Assets per employee ($millions) | 4.3695% | 3,166 |
| Cash dividends to net income (ytd only)* | 21.1353% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 6,336 |
| Loan loss allowance to noncurrent loans | 54.0866% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.4841% | 4,158 |
| Noncurrent loans to loans | 1.8607% | 3,847 |
| Net loans and leases to total assets | 59.2662% | 5,454 |
| Net loans and leases to deposits | 82.5877% | 3,525 |
| Net loans and leases to core deposits | 93.2217% | 4,756 |
| Total domestic deposits to total assets | 71.7615% | 7,267 |
| Equity capital to assets | 8.3462% | 6,131 |
| Core capital (leverage) ratio | 8.1416% | 5,926 |
| Tier 1 risk-based capital ratio | 12.9326% | 4,187 |
| Total risk-based capital ratio | 13.9408% | 4,308 |
| Memoranda: | ||
| Average total assets | $399,742,200 | 1,719 |
| Average earning assets | $370,413,000 | 1,700 |
| Average equity | $31,893,400 | 2,104 |
| Average total loans | $246,369,600 | 1,913 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3798% | 5,043 |
| Cost of funding earning assets | 1.9337% | 3,697 |
| Net interest margin | 3.4460% | 5,083 |
| Noninterest income to average assets | 0.9509% | 1,777 |
| Noninterest expense to average assets | 3.4994% | 2,283 |
| Loan and lease loss provision to assets | 0.2809% | 4,731 |
| Net operating income to assets | 0.2864% | 4,837 |
| Return on assets (ROA) | 0.4943% | 4,105 |
| Pretax return on assets | 0.6296% | 4,087 |
| Return on Equity (ROE) | 6.2686% | 3,408 |
| Retained earnings to average equity (ytd only) | 4.8751% | 2,566 |
| Net charge-offs to loans | 0.3331% | 3,970 |
| Credit loss provision to net charge-offs | 135.8643% | 3,656 |
| Earnings coverage of net charge-offs (x) | 3.1309% | 3,667 |
| Efficiency ratio | 84.3899% | 2,252 |
| Assets per employee ($millions) | 4.3661% | 3,094 |
| Cash dividends to net income (ytd only)* | 22.2300% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,400 |
| Loan loss allowance to noncurrent loans | 78.5170% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 4,540 |
| Noncurrent loans to loans | 1.2472% | 4,859 |
| Net loans and leases to total assets | 60.3669% | 5,530 |
| Net loans and leases to deposits | 83.5693% | 3,715 |
| Net loans and leases to core deposits | 93.7280% | 5,041 |
| Total domestic deposits to total assets | 72.2357% | 7,179 |
| Equity capital to assets | 8.4411% | 6,328 |
| Core capital (leverage) ratio | 8.4271% | 5,626 |
| Tier 1 risk-based capital ratio | 13.0062% | 4,187 |
| Total risk-based capital ratio | 13.9780% | 4,321 |
| Memoranda: | ||
| Average total assets | $399,180,250 | 1,735 |
| Average earning assets | $370,192,750 | 1,711 |
| Average equity | $31,479,000 | 2,145 |
| Average total loans | $247,795,500 | 1,930 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 5,146 |
| Cost of funding earning assets | 2.1031% | 3,246 |
| Net interest margin | 3.2979% | 5,565 |
| Noninterest income to average assets | 1.2111% | 1,063 |
| Noninterest expense to average assets | 3.5513% | 2,193 |
| Loan and lease loss provision to assets | 0.1296% | 5,807 |
| Net operating income to assets | 0.4484% | 4,297 |
| Return on assets (ROA) | 0.4412% | 4,441 |
| Pretax return on assets | 0.5778% | 4,378 |
| Return on Equity (ROE) | 5.7286% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.2218% | 2,954 |
| Net charge-offs to loans | 0.1266% | 4,899 |
| Credit loss provision to net charge-offs | 163.9241% | 2,799 |
| Earnings coverage of net charge-offs (x) | 9.0696% | 2,181 |
| Efficiency ratio | 83.2044% | 2,580 |
| Assets per employee ($millions) | 4.6330% | 2,551 |
| Cash dividends to net income (ytd only)* | 26.3039% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 6,703 |
| Loan loss allowance to noncurrent loans | 42.9089% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 1.6221% | 3,778 |
| Noncurrent loans to loans | 2.1334% | 3,328 |
| Net loans and leases to total assets | 61.1513% | 5,493 |
| Net loans and leases to deposits | 83.0508% | 4,034 |
| Net loans and leases to core deposits | 94.9056% | 5,014 |
| Total domestic deposits to total assets | 73.6312% | 7,013 |
| Equity capital to assets | 7.9791% | 6,779 |
| Core capital (leverage) ratio | 8.0775% | 6,203 |
| Tier 1 risk-based capital ratio | 12.3450% | 4,644 |
| Total risk-based capital ratio | 13.2370% | 4,850 |
| Memoranda: | ||
| Average total assets | $399,800,670 | 1,757 |
| Average earning assets | $370,603,670 | 1,736 |
| Average equity | $30,792,670 | 2,205 |
| Average total loans | $249,653,670 | 1,948 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 5,356 |
| Cost of funding earning assets | 2.1917% | 3,205 |
| Net interest margin | 3.2212% | 5,791 |
| Noninterest income to average assets | 0.9189% | 1,779 |
| Noninterest expense to average assets | 3.4898% | 2,126 |
| Loan and lease loss provision to assets | 0.1388% | 5,186 |
| Net operating income to assets | 0.2397% | 5,531 |
| Return on assets (ROA) | 0.2247% | 5,740 |
| Pretax return on assets | 0.2547% | 5,809 |
| Return on Equity (ROE) | 2.9710% | 5,384 |
| Retained earnings to average equity (ytd only) | 1.4129% | 5,069 |
| Net charge-offs to loans | 0.0811% | 4,356 |
| Credit loss provision to net charge-offs | 272.5490% | 1,756 |
| Earnings coverage of net charge-offs (x) | 8.0588% | 2,247 |
| Efficiency ratio | 89.4750% | 1,765 |
| Assets per employee ($millions) | 4.5556% | 2,635 |
| Cash dividends to net income (ytd only)* | 52.4444% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 6,693 |
| Loan loss allowance to noncurrent loans | 43.0882% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 3,524 |
| Noncurrent loans to loans | 2.1147% | 3,095 |
| Net loans and leases to total assets | 61.4078% | 5,428 |
| Net loans and leases to deposits | 85.4139% | 3,733 |
| Net loans and leases to core deposits | 99.0247% | 4,638 |
| Total domestic deposits to total assets | 71.8944% | 7,221 |
| Equity capital to assets | 7.7450% | 7,133 |
| Core capital (leverage) ratio | 7.9631% | 6,524 |
| Tier 1 risk-based capital ratio | 11.9642% | 4,989 |
| Total risk-based capital ratio | 12.8407% | 5,222 |
| Memoranda: | ||
| Average total assets | $400,480,500 | 1,763 |
| Average earning assets | $370,675,000 | 1,748 |
| Average equity | $30,293,000 | 2,243 |
| Average total loans | $251,529,000 | 1,956 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8103% | 6,392 |
| Cost of funding earning assets | 2.4448% | 4,507 |
| Net interest margin | 3.3655% | 5,801 |
| Noninterest income to average assets | 0.4231% | 5,274 |
| Noninterest expense to average assets | 3.4216% | 2,604 |
| Loan and lease loss provision to assets | 0.2767% | 4,176 |
| Net operating income to assets | -0.0355% | 6,416 |
| Return on assets (ROA) | 0.0405% | 6,116 |
| Pretax return on assets | -0.0311% | 6,186 |
| Return on Equity (ROE) | 0.5063% | 6,073 |
| Retained earnings to average equity (ytd only) | -1.6215% | 5,771 |
| Net charge-offs to loans | 0.2037% | 4,166 |
| Credit loss provision to net charge-offs | 208.8180% | 2,316 |
| Earnings coverage of net charge-offs (x) | 0.9568% | 5,653 |
| Efficiency ratio | 96.4268% | 1,132 |
| Assets per employee ($millions) | 4.2149% | 3,088 |
| Cash dividends to net income (ytd only)* | 420.2454% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 6,959 |
| Loan loss allowance to noncurrent loans | 68.7780% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 4,069 |
| Noncurrent loans to loans | 1.2143% | 4,088 |
| Net loans and leases to total assets | 63.0927% | 5,438 |
| Net loans and leases to deposits | 95.3728% | 2,549 |
| Net loans and leases to core deposits | 110.7309% | 3,712 |
| Total domestic deposits to total assets | 66.1538% | 7,649 |
| Equity capital to assets | 7.3871% | 7,476 |
| Core capital (leverage) ratio | 7.7388% | 6,876 |
| Tier 1 risk-based capital ratio | 11.6650% | 5,083 |
| Total risk-based capital ratio | 12.4974% | 5,377 |
| Memoranda: | ||
| Average total assets | $402,235,600 | 1,693 |
| Average earning assets | $373,529,400 | 1,664 |
| Average equity | $32,191,800 | 2,103 |
| Average total loans | $261,600,000 | 1,822 |