Home > Catalyst Bank > Performance and Condition Ratios
Catalyst Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5463% | 2,002 |
| Cost of funding earning assets | 1.6680% | 2,806 |
| Net interest margin | 3.8783% | 1,513 |
| Noninterest income to average assets | 0.8200% | 787 |
| Noninterest expense to average assets | 3.1674% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9056% | 2,556 |
| Return on assets (ROA) | 0.9056% | 2,569 |
| Pretax return on assets | 1.1154% | 2,462 |
| Return on Equity (ROE) | 3.2800% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.2781% | 3,022 |
| Net charge-offs to loans | 0.0937% | 863 |
| Credit loss provision to net charge-offs | 43.5897% | 1,569 |
| Earnings coverage of net charge-offs (x) | 19.3590% | 1,440 |
| Efficiency ratio | 73.9565% | 1,440 |
| Assets per employee ($millions) | 5.4743% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,002 |
| Loan loss allowance to noncurrent loans | 151.9757% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 1,164 |
| Noncurrent loans to loans | 0.9905% | 1,078 |
| Net loans and leases to total assets | 60.9800% | 2,791 |
| Net loans and leases to deposits | 89.6460% | 1,130 |
| Net loans and leases to core deposits | 101.5659% | 1,276 |
| Total domestic deposits to total assets | 68.0200% | 4,231 |
| Equity capital to assets | 28.0982% | 173 |
| Core capital (leverage) ratio | 29.4484% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.2036% | 114 |
| Memoranda: | ||
| Average total assets | $270,760,000 | 2,620 |
| Average earning assets | $241,962,000 | 2,674 |
| Average equity | $74,798,500 | 1,296 |
| Average total loans | $166,576,500 | 2,636 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5714% | 2,001 |
| Cost of funding earning assets | 1.7458% | 2,860 |
| Net interest margin | 3.8256% | 1,454 |
| Noninterest income to average assets | 0.6000% | 1,502 |
| Noninterest expense to average assets | 3.2114% | 857 |
| Loan and lease loss provision to assets | 0.1900% | 718 |
| Net operating income to assets | 0.5123% | 3,446 |
| Return on assets (ROA) | -0.9671% | 4,431 |
| Pretax return on assets | -1.2504% | 4,443 |
| Return on Equity (ROE) | -3.6500% | 4,325 |
| Retained earnings to average equity (ytd only) | -3.6479% | 4,239 |
| Net charge-offs to loans | 0.1736% | 794 |
| Credit loss provision to net charge-offs | 247.9554% | 1,003 |
| Earnings coverage of net charge-offs (x) | 8.3680% | 2,376 |
| Efficiency ratio | 79.7699% | 1,065 |
| Assets per employee ($millions) | 5.5771% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 983 |
| Loan loss allowance to noncurrent loans | 154.6291% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 1,088 |
| Noncurrent loans to loans | 0.9762% | 1,024 |
| Net loans and leases to total assets | 60.2100% | 2,921 |
| Net loans and leases to deposits | 87.3526% | 1,462 |
| Net loans and leases to core deposits | 99.8053% | 1,461 |
| Total domestic deposits to total assets | 68.9300% | 4,230 |
| Equity capital to assets | 27.1613% | 172 |
| Core capital (leverage) ratio | 28.7306% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.0593% | 119 |
| Memoranda: | ||
| Average total assets | $276,389,200 | 2,569 |
| Average earning assets | $247,281,600 | 2,606 |
| Average equity | $73,274,200 | 1,285 |
| Average total loans | $154,927,000 | 2,683 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5261% | 2,030 |
| Cost of funding earning assets | 1.7614% | 2,814 |
| Net interest margin | 3.7647% | 1,517 |
| Noninterest income to average assets | 0.6400% | 1,336 |
| Noninterest expense to average assets | 3.3168% | 715 |
| Loan and lease loss provision to assets | 0.2600% | 417 |
| Net operating income to assets | 0.3656% | 3,748 |
| Return on assets (ROA) | -1.6014% | 4,493 |
| Pretax return on assets | -2.0517% | 4,504 |
| Return on Equity (ROE) | -6.0800% | 4,408 |
| Retained earnings to average equity (ytd only) | -6.0772% | 4,364 |
| Net charge-offs to loans | 0.2344% | 522 |
| Credit loss provision to net charge-offs | 208.6142% | 1,060 |
| Earnings coverage of net charge-offs (x) | 5.4007% | 2,373 |
| Efficiency ratio | 82.7036% | 902 |
| Assets per employee ($millions) | 5.7688% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 1,169 |
| Loan loss allowance to noncurrent loans | 167.8720% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 1,233 |
| Noncurrent loans to loans | 0.8669% | 1,158 |
| Net loans and leases to total assets | 59.0400% | 3,008 |
| Net loans and leases to deposits | 95.4140% | 753 |
| Net loans and leases to core deposits | 106.5806% | 1,104 |
| Total domestic deposits to total assets | 61.8700% | 4,346 |
| Equity capital to assets | 26.7923% | 167 |
| Core capital (leverage) ratio | 27.4290% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.9680% | 120 |
| Memoranda: | ||
| Average total assets | $277,166,750 | 2,560 |
| Average earning assets | $248,126,000 | 2,600 |
| Average equity | $73,036,250 | 1,281 |
| Average total loans | $151,889,750 | 2,707 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3440% | 2,272 |
| Cost of funding earning assets | 1.7236% | 2,820 |
| Net interest margin | 3.6204% | 1,752 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 3.3889% | 656 |
| Loan and lease loss provision to assets | 0.1400% | 838 |
| Net operating income to assets | 0.2006% | 4,004 |
| Return on assets (ROA) | -2.7491% | 4,528 |
| Pretax return on assets | -3.5094% | 4,535 |
| Return on Equity (ROE) | -10.4900% | 4,467 |
| Retained earnings to average equity (ytd only) | -10.4911% | 4,439 |
| Net charge-offs to loans | 0.1848% | 581 |
| Credit loss provision to net charge-offs | 166.9118% | 1,137 |
| Earnings coverage of net charge-offs (x) | 3.7132% | 2,307 |
| Efficiency ratio | 90.2941% | 551 |
| Assets per employee ($millions) | 6.2027% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 1,232 |
| Loan loss allowance to noncurrent loans | 138.4375% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 1,154 |
| Noncurrent loans to loans | 1.0439% | 876 |
| Net loans and leases to total assets | 51.8100% | 3,551 |
| Net loans and leases to deposits | 81.8181% | 2,033 |
| Net loans and leases to core deposits | 90.5397% | 2,112 |
| Total domestic deposits to total assets | 63.3300% | 4,343 |
| Equity capital to assets | 24.9618% | 191 |
| Core capital (leverage) ratio | 26.8798% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.3399% | 111 |
| Memoranda: | ||
| Average total assets | $277,255,667 | 2,562 |
| Average earning assets | $248,202,000 | 2,597 |
| Average equity | $72,652,333 | 1,277 |
| Average total loans | $147,225,667 | 2,747 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 2,454 |
| Cost of funding earning assets | 1.7333% | 2,685 |
| Net interest margin | 3.4418% | 2,008 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 4.0249% | 356 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | -0.4309% | 4,446 |
| Return on assets (ROA) | -6.4860% | 4,576 |
| Pretax return on assets | -8.2408% | 4,581 |
| Return on Equity (ROE) | -24.1300% | 4,536 |
| Retained earnings to average equity (ytd only) | -24.1346% | 4,462 |
| Net charge-offs to loans | 0.2718% | 345 |
| Credit loss provision to net charge-offs | 42.8571% | 1,424 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 4,522 |
| Efficiency ratio | 112.1287% | 168 |
| Assets per employee ($millions) | 5.9234% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,248 |
| Loan loss allowance to noncurrent loans | 139.5412% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 1,038 |
| Noncurrent loans to loans | 1.0328% | 832 |
| Net loans and leases to total assets | 50.8000% | 3,562 |
| Net loans and leases to deposits | 80.7278% | 2,005 |
| Net loans and leases to core deposits | 88.0559% | 2,168 |
| Total domestic deposits to total assets | 62.9300% | 4,399 |
| Equity capital to assets | 25.9291% | 181 |
| Core capital (leverage) ratio | 26.8380% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.3427% | 102 |
| Memoranda: | ||
| Average total assets | $270,119,000 | 2,595 |
| Average earning assets | $241,617,500 | 2,644 |
| Average equity | $72,593,000 | 1,276 |
| Average total loans | $144,205,500 | 2,774 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 3,659 |
| Cost of funding earning assets | 0.8195% | 3,681 |
| Net interest margin | 3.3613% | 2,490 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 3.2302% | 801 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.3058% | 4,019 |
| Return on assets (ROA) | 0.3058% | 4,016 |
| Pretax return on assets | 0.3562% | 4,025 |
| Return on Equity (ROE) | 1.1000% | 4,252 |
| Retained earnings to average equity (ytd only) | 1.0997% | 3,812 |
| Net charge-offs to loans | -0.0154% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.8304% | 456 |
| Assets per employee ($millions) | 5.4549% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,155 |
| Loan loss allowance to noncurrent loans | 106.6801% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 657 |
| Noncurrent loans to loans | 1.3739% | 504 |
| Net loans and leases to total assets | 54.5400% | 3,309 |
| Net loans and leases to deposits | 84.9233% | 1,696 |
| Net loans and leases to core deposits | 91.6993% | 1,926 |
| Total domestic deposits to total assets | 64.2200% | 4,403 |
| Equity capital to assets | 27.8797% | 167 |
| Core capital (leverage) ratio | 31.6708% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.5893% | 100 |
| Memoranda: | ||
| Average total assets | $256,048,600 | 2,645 |
| Average earning assets | $226,968,600 | 2,703 |
| Average equity | $71,201,400 | 1,234 |
| Average total loans | $136,076,400 | 2,807 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 3,664 |
| Cost of funding earning assets | 0.7199% | 3,722 |
| Net interest margin | 3.3784% | 2,499 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 3.2505% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1974% | 4,231 |
| Return on assets (ROA) | 0.1974% | 4,249 |
| Pretax return on assets | 0.2205% | 4,234 |
| Return on Equity (ROE) | 0.7100% | 4,343 |
| Retained earnings to average equity (ytd only) | 0.7104% | 4,005 |
| Net charge-offs to loans | -0.0837% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.6482% | 277 |
| Assets per employee ($millions) | 5.2570% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,116 |
| Loan loss allowance to noncurrent loans | 97.5096% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 634 |
| Noncurrent loans to loans | 1.5390% | 464 |
| Net loans and leases to total assets | 54.0900% | 3,354 |
| Net loans and leases to deposits | 80.2079% | 2,026 |
| Net loans and leases to core deposits | 84.7315% | 2,281 |
| Total domestic deposits to total assets | 67.4300% | 4,378 |
| Equity capital to assets | 28.3281% | 170 |
| Core capital (leverage) ratio | 31.0814% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.2264% | 94 |
| Memoranda: | ||
| Average total assets | $254,601,750 | 2,661 |
| Average earning assets | $225,386,250 | 2,720 |
| Average equity | $70,752,000 | 1,233 |
| Average total loans | $133,865,500 | 2,830 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,784 |
| Cost of funding earning assets | 0.6322% | 3,675 |
| Net interest margin | 3.3200% | 2,707 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.2547% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1517% | 4,333 |
| Return on assets (ROA) | 0.1517% | 4,362 |
| Pretax return on assets | 0.1618% | 4,355 |
| Return on Equity (ROE) | 0.5500% | 4,399 |
| Retained earnings to average equity (ytd only) | 0.5493% | 3,978 |
| Net charge-offs to loans | -0.1006% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.2641% | 240 |
| Assets per employee ($millions) | 5.0969% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 1,019 |
| Loan loss allowance to noncurrent loans | 110.1641% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 584 |
| Noncurrent loans to loans | 1.4151% | 491 |
| Net loans and leases to total assets | 51.5700% | 3,443 |
| Net loans and leases to deposits | 75.7256% | 2,337 |
| Net loans and leases to core deposits | 79.8915% | 2,478 |
| Total domestic deposits to total assets | 68.1000% | 4,409 |
| Equity capital to assets | 27.8828% | 166 |
| Core capital (leverage) ratio | 30.6368% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.2747% | 86 |
| Memoranda: | ||
| Average total assets | $257,109,000 | 2,649 |
| Average earning assets | $227,771,000 | 2,711 |
| Average equity | $71,005,000 | 1,224 |
| Average total loans | $133,263,333 | 2,835 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 3,712 |
| Cost of funding earning assets | 0.5254% | 3,611 |
| Net interest margin | 3.3550% | 2,739 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 3.2559% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1611% | 4,391 |
| Return on assets (ROA) | 0.1611% | 4,365 |
| Pretax return on assets | 0.1766% | 4,360 |
| Return on Equity (ROE) | 0.5900% | 4,409 |
| Retained earnings to average equity (ytd only) | 0.5861% | 3,934 |
| Net charge-offs to loans | -0.1622% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.8556% | 238 |
| Assets per employee ($millions) | 5.2897% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 1,093 |
| Loan loss allowance to noncurrent loans | 122.7030% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 633 |
| Noncurrent loans to loans | 1.2714% | 535 |
| Net loans and leases to total assets | 49.3900% | 3,536 |
| Net loans and leases to deposits | 71.3322% | 2,520 |
| Net loans and leases to core deposits | 75.3144% | 2,580 |
| Total domestic deposits to total assets | 69.2300% | 4,439 |
| Equity capital to assets | 26.9986% | 135 |
| Core capital (leverage) ratio | 30.1063% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.6872% | 85 |
| Memoranda: | ||
| Average total assets | $258,241,000 | 2,678 |
| Average earning assets | $229,147,500 | 2,741 |
| Average equity | $70,978,500 | 1,232 |
| Average total loans | $133,148,500 | 2,870 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2254% | 3,768 |
| Cost of funding earning assets | 0.2810% | 3,035 |
| Net interest margin | 2.9445% | 3,583 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 3.1222% | 807 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 0.1186% | 4,499 |
| Return on assets (ROA) | 0.1186% | 4,487 |
| Pretax return on assets | 0.1246% | 4,493 |
| Return on Equity (ROE) | 0.4400% | 4,524 |
| Retained earnings to average equity (ytd only) | 0.4384% | 4,282 |
| Net charge-offs to loans | 0.0709% | 934 |
| Credit loss provision to net charge-offs | -398.9362% | 4,627 |
| Earnings coverage of net charge-offs (x) | -0.4362% | 4,676 |
| Efficiency ratio | 100.4922% | 143 |
| Assets per employee ($millions) | 5.0400% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 1,671 |
| Loan loss allowance to noncurrent loans | 107.2404% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 595 |
| Noncurrent loans to loans | 1.2612% | 547 |
| Net loans and leases to total assets | 52.3000% | 3,337 |
| Net loans and leases to deposits | 76.7649% | 2,053 |
| Net loans and leases to core deposits | 81.5730% | 2,037 |
| Total domestic deposits to total assets | 68.1300% | 4,504 |
| Equity capital to assets | 27.9963% | 128 |
| Core capital (leverage) ratio | 30.3696% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.4209% | 89 |
| Memoranda: | ||
| Average total assets | $268,115,800 | 2,617 |
| Average earning assets | $243,067,000 | 2,657 |
| Average equity | $72,535,200 | 1,220 |
| Average total loans | $132,555,400 | 2,795 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1026% | 3,674 |
| Cost of funding earning assets | 0.2562% | 2,643 |
| Net interest margin | 2.8464% | 3,635 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 3.1497% | 731 |
| Loan and lease loss provision to assets | -0.1800% | 4,663 |
| Net operating income to assets | 0.0656% | 4,562 |
| Return on assets (ROA) | 0.0656% | 4,535 |
| Pretax return on assets | 0.0578% | 4,537 |
| Return on Equity (ROE) | 0.2400% | 4,548 |
| Retained earnings to average equity (ytd only) | 0.2446% | 4,305 |
| Net charge-offs to loans | 0.0978% | 631 |
| Credit loss provision to net charge-offs | -386.5979% | 4,684 |
| Earnings coverage of net charge-offs (x) | -2.6495% | 4,724 |
| Efficiency ratio | 104.1640% | 126 |
| Assets per employee ($millions) | 5.4374% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 1,716 |
| Loan loss allowance to noncurrent loans | 112.7500% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 738 |
| Noncurrent loans to loans | 1.2149% | 604 |
| Net loans and leases to total assets | 47.7800% | 3,647 |
| Net loans and leases to deposits | 67.3691% | 2,594 |
| Net loans and leases to core deposits | 71.6136% | 2,514 |
| Total domestic deposits to total assets | 70.9200% | 4,523 |
| Equity capital to assets | 25.4567% | 137 |
| Core capital (leverage) ratio | 28.2917% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.0895% | 89 |
| Memoranda: | ||
| Average total assets | $272,145,250 | 2,614 |
| Average earning assets | $248,262,500 | 2,642 |
| Average equity | $73,031,500 | 1,223 |
| Average total loans | $132,292,500 | 2,807 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0288% | 3,479 |
| Cost of funding earning assets | 0.2518% | 2,239 |
| Net interest margin | 2.7770% | 3,509 |
| Noninterest income to average assets | 0.4224% | 2,616 |
| Noninterest expense to average assets | 3.2215% | 606 |
| Loan and lease loss provision to assets | -0.1910% | 4,673 |
| Net operating income to assets | -0.0279% | 4,582 |
| Return on assets (ROA) | -0.0279% | 4,552 |
| Pretax return on assets | -0.0558% | 4,556 |
| Return on Equity (ROE) | -0.1023% | 4,549 |
| Retained earnings to average equity (ytd only) | -0.1023% | 4,184 |
| Net charge-offs to loans | 0.0543% | 848 |
| Credit loss provision to net charge-offs | -722.2222% | 3,466 |
| Earnings coverage of net charge-offs (x) | -9.3333% | 2,131 |
| Efficiency ratio | 108.2983% | 125 |
| Assets per employee ($millions) | 5.0636% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,456 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 935 |
| Noncurrent loans to loans | 0.9632% | 868 |
| Net loans and leases to total assets | 49.0526% | 3,463 |
| Net loans and leases to deposits | 70.5480% | 2,149 |
| Net loans and leases to core deposits | 76.3375% | 1,986 |
| Total domestic deposits to total assets | 69.5308% | 4,623 |
| Equity capital to assets | 26.8090% | 81 |
| Core capital (leverage) ratio | 28.4261% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.7623% | 49 |
| Memoranda: | ||
| Average total assets | $272,237,000 | 2,634 |
| Average earning assets | $250,195,667 | 2,667 |
| Average equity | $74,305,667 | 1,236 |
| Average total loans | $132,489,667 | 2,823 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9237% | 3,471 |
| Cost of funding earning assets | 0.2506% | 2,154 |
| Net interest margin | 2.6731% | 3,466 |
| Noninterest income to average assets | 0.2874% | 3,401 |
| Noninterest expense to average assets | 3.0828% | 702 |
| Loan and lease loss provision to assets | -0.1036% | 4,607 |
| Net operating income to assets | -0.1561% | 4,623 |
| Return on assets (ROA) | -0.1561% | 4,607 |
| Pretax return on assets | -0.2013% | 4,616 |
| Return on Equity (ROE) | -0.5670% | 4,562 |
| Retained earnings to average equity (ytd only) | -0.5670% | 4,088 |
| Net charge-offs to loans | 0.0970% | 531 |
| Credit loss provision to net charge-offs | -221.8750% | 2,992 |
| Earnings coverage of net charge-offs (x) | -6.5313% | 1,809 |
| Efficiency ratio | 110.9769% | 124 |
| Assets per employee ($millions) | 5.0838% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 1,162 |
| Loan loss allowance to noncurrent loans | 171.2372% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 1,021 |
| Noncurrent loans to loans | 0.9613% | 943 |
| Net loans and leases to total assets | 47.2923% | 3,462 |
| Net loans and leases to deposits | 67.9596% | 2,159 |
| Net loans and leases to core deposits | 74.0832% | 1,932 |
| Total domestic deposits to total assets | 69.5888% | 4,662 |
| Equity capital to assets | 26.8731% | 73 |
| Core capital (leverage) ratio | 28.3858% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.2354% | 55 |
| Memoranda: | ||
| Average total assets | $274,169,000 | 2,636 |
| Average earning assets | $255,433,000 | 2,650 |
| Average equity | $75,484,500 | 1,248 |
| Average total loans | $131,922,500 | 2,828 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 3,417 |
| Cost of funding earning assets | 0.3338% | 2,079 |
| Net interest margin | 2.8922% | 3,464 |
| Noninterest income to average assets | 1.0217% | 959 |
| Noninterest expense to average assets | 3.0082% | 967 |
| Loan and lease loss provision to assets | -0.2568% | 4,752 |
| Net operating income to assets | 0.7583% | 3,461 |
| Return on assets (ROA) | 0.7583% | 3,527 |
| Pretax return on assets | 0.9501% | 3,378 |
| Return on Equity (ROE) | 3.4710% | 4,298 |
| Retained earnings to average equity (ytd only) | 3.4710% | 3,425 |
| Net charge-offs to loans | 0.0609% | 1,171 |
| Credit loss provision to net charge-offs | -767.4419% | 3,863 |
| Earnings coverage of net charge-offs (x) | 20.7209% | 1,846 |
| Efficiency ratio | 81.2697% | 734 |
| Assets per employee ($millions) | 4.4163% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 992 |
| Loan loss allowance to noncurrent loans | 255.4433% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 1,469 |
| Noncurrent loans to loans | 0.6758% | 1,479 |
| Net loans and leases to total assets | 47.3195% | 3,565 |
| Net loans and leases to deposits | 69.5141% | 2,175 |
| Net loans and leases to core deposits | 76.0690% | 1,915 |
| Total domestic deposits to total assets | 68.0718% | 4,709 |
| Equity capital to assets | 28.1928% | 68 |
| Core capital (leverage) ratio | 27.3816% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.7668% | 48 |
| Memoranda: | ||
| Average total assets | $257,028,200 | 2,682 |
| Average earning assets | $238,157,200 | 2,689 |
| Average equity | $56,151,000 | 1,607 |
| Average total loans | $141,269,000 | 2,713 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 3,339 |
| Cost of funding earning assets | 0.3525% | 2,097 |
| Net interest margin | 2.9645% | 3,406 |
| Noninterest income to average assets | 1.2667% | 730 |
| Noninterest expense to average assets | 2.9405% | 1,059 |
| Loan and lease loss provision to assets | -0.1507% | 4,687 |
| Net operating income to assets | 0.9724% | 3,010 |
| Return on assets (ROA) | 0.9724% | 3,091 |
| Pretax return on assets | 1.2176% | 2,873 |
| Return on Equity (ROE) | 4.8312% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.8312% | 3,279 |
| Net charge-offs to loans | 0.0835% | 844 |
| Credit loss provision to net charge-offs | -317.7778% | 3,510 |
| Earnings coverage of net charge-offs (x) | 22.4778% | 1,680 |
| Efficiency ratio | 73.3781% | 1,270 |
| Assets per employee ($millions) | 6.1091% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9353% | 721 |
| Loan loss allowance to noncurrent loans | 189.9497% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 1,339 |
| Noncurrent loans to loans | 1.0189% | 1,125 |
| Net loans and leases to total assets | 43.0327% | 4,019 |
| Net loans and leases to deposits | 53.7457% | 3,763 |
| Net loans and leases to core deposits | 57.6048% | 3,656 |
| Total domestic deposits to total assets | 80.0673% | 4,221 |
| Equity capital to assets | 16.6900% | 358 |
| Core capital (leverage) ratio | 20.6482% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2039% | 128 |
| Memoranda: | ||
| Average total assets | $252,832,500 | 2,730 |
| Average earning assets | $233,737,500 | 2,743 |
| Average equity | $50,890,000 | 1,754 |
| Average total loans | $143,625,750 | 2,729 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 2,895 |
| Cost of funding earning assets | 0.3975% | 1,902 |
| Net interest margin | 3.1009% | 3,036 |
| Noninterest income to average assets | 0.5029% | 2,612 |
| Noninterest expense to average assets | 3.1631% | 763 |
| Loan and lease loss provision to assets | -0.2450% | 4,802 |
| Net operating income to assets | 0.3521% | 4,462 |
| Return on assets (ROA) | 0.3521% | 4,493 |
| Pretax return on assets | 0.4318% | 4,474 |
| Return on Equity (ROE) | 1.6271% | 4,631 |
| Retained earnings to average equity (ytd only) | 1.6271% | 4,211 |
| Net charge-offs to loans | 0.1191% | 652 |
| Credit loss provision to net charge-offs | -328.7356% | 3,345 |
| Earnings coverage of net charge-offs (x) | 2.5057% | 2,118 |
| Efficiency ratio | 94.4246% | 247 |
| Assets per employee ($millions) | 4.5026% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 758 |
| Loan loss allowance to noncurrent loans | 190.0287% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.8314% | 947 |
| Noncurrent loans to loans | 0.9915% | 1,246 |
| Net loans and leases to total assets | 57.8067% | 2,695 |
| Net loans and leases to deposits | 77.5488% | 1,674 |
| Net loans and leases to core deposits | 85.3255% | 1,467 |
| Total domestic deposits to total assets | 74.5424% | 4,637 |
| Equity capital to assets | 21.2588% | 146 |
| Core capital (leverage) ratio | 21.3395% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.0722% | 109 |
| Memoranda: | ||
| Average total assets | $233,443,333 | 2,857 |
| Average earning assets | $214,322,333 | 2,874 |
| Average equity | $50,520,000 | 1,756 |
| Average total loans | $146,115,667 | 2,725 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 2,673 |
| Cost of funding earning assets | 0.4198% | 1,939 |
| Net interest margin | 3.1700% | 2,788 |
| Noninterest income to average assets | 0.3864% | 3,169 |
| Noninterest expense to average assets | 2.9908% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2616% | 4,574 |
| Return on assets (ROA) | 0.2616% | 4,598 |
| Pretax return on assets | 0.3136% | 4,587 |
| Return on Equity (ROE) | 1.1981% | 4,694 |
| Retained earnings to average equity (ytd only) | 1.1981% | 4,182 |
| Net charge-offs to loans | 0.1612% | 492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.0167% | 1,787 |
| Efficiency ratio | 90.5087% | 360 |
| Assets per employee ($millions) | 4.3834% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 526 |
| Loan loss allowance to noncurrent loans | 178.2172% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 895 |
| Noncurrent loans to loans | 1.1607% | 1,145 |
| Net loans and leases to total assets | 60.3828% | 2,490 |
| Net loans and leases to deposits | 80.9021% | 1,433 |
| Net loans and leases to core deposits | 88.7422% | 1,312 |
| Total domestic deposits to total assets | 74.6368% | 4,646 |
| Equity capital to assets | 21.3037% | 143 |
| Core capital (leverage) ratio | 22.0361% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.4263% | 116 |
| Memoranda: | ||
| Average total assets | $230,845,000 | 2,857 |
| Average earning assets | $212,494,500 | 2,874 |
| Average equity | $50,414,000 | 1,751 |
| Average total loans | $148,874,000 | 2,702 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 2,747 |
| Cost of funding earning assets | 0.8021% | 1,199 |
| Net interest margin | 3.1918% | 3,382 |
| Noninterest income to average assets | 0.3054% | 3,650 |
| Noninterest expense to average assets | 3.3276% | 872 |
| Loan and lease loss provision to assets | 0.4285% | 678 |
| Net operating income to assets | -0.2976% | 4,838 |
| Return on assets (ROA) | -0.2976% | 4,854 |
| Pretax return on assets | -0.4990% | 4,877 |
| Return on Equity (ROE) | -1.3388% | 4,826 |
| Retained earnings to average equity (ytd only) | -1.3388% | 4,660 |
| Net charge-offs to loans | 0.0213% | 2,634 |
| Credit loss provision to net charge-offs | 2,897.0588% | 340 |
| Earnings coverage of net charge-offs (x) | -4.7647% | 3,378 |
| Efficiency ratio | 102.1638% | 157 |
| Assets per employee ($millions) | 4.4997% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9908% | 603 |
| Loan loss allowance to noncurrent loans | 180.7416% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 1,050 |
| Noncurrent loans to loans | 1.1014% | 1,288 |
| Net loans and leases to total assets | 66.1280% | 2,084 |
| Net loans and leases to deposits | 90.3887% | 902 |
| Net loans and leases to core deposits | 99.9583% | 898 |
| Total domestic deposits to total assets | 73.1595% | 4,674 |
| Equity capital to assets | 22.4019% | 127 |
| Core capital (leverage) ratio | 21.0084% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9783% | 118 |
| Memoranda: | ||
| Average total assets | $229,862,600 | 2,717 |
| Average earning assets | $212,573,400 | 2,727 |
| Average equity | $51,090,000 | 1,662 |
| Average total loans | $159,831,600 | 2,563 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 2,799 |
| Cost of funding earning assets | 0.8310% | 1,352 |
| Net interest margin | 3.2257% | 3,407 |
| Noninterest income to average assets | 0.1673% | 4,465 |
| Noninterest expense to average assets | 2.7453% | 2,133 |
| Loan and lease loss provision to assets | 0.3838% | 952 |
| Net operating income to assets | 0.0069% | 4,769 |
| Return on assets (ROA) | 0.0069% | 4,788 |
| Pretax return on assets | 0.0260% | 4,770 |
| Return on Equity (ROE) | 0.0312% | 4,790 |
| Retained earnings to average equity (ytd only) | 0.0312% | 4,475 |
| Net charge-offs to loans | -0.0049% | 4,047 |
| Credit loss provision to net charge-offs | -11,083.3333% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0154% | 459 |
| Assets per employee ($millions) | 4.8385% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 863 |
| Loan loss allowance to noncurrent loans | 152.6726% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 1,188 |
| Noncurrent loans to loans | 1.1260% | 1,346 |
| Net loans and leases to total assets | 64.7975% | 2,662 |
| Net loans and leases to deposits | 95.6105% | 786 |
| Net loans and leases to core deposits | 105.7317% | 855 |
| Total domestic deposits to total assets | 67.7724% | 4,817 |
| Equity capital to assets | 21.1387% | 172 |
| Core capital (leverage) ratio | 21.3736% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4154% | 142 |
| Memoranda: | ||
| Average total assets | $231,082,000 | 2,698 |
| Average earning assets | $214,024,500 | 2,702 |
| Average equity | $51,262,250 | 1,643 |
| Average total loans | $161,839,500 | 2,559 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 2,976 |
| Cost of funding earning assets | 0.8601% | 1,544 |
| Net interest margin | 3.2681% | 3,469 |
| Noninterest income to average assets | 0.2770% | 3,814 |
| Noninterest expense to average assets | 2.7520% | 2,206 |
| Loan and lease loss provision to assets | 0.0572% | 3,586 |
| Net operating income to assets | 0.3658% | 4,302 |
| Return on assets (ROA) | 0.3658% | 4,358 |
| Pretax return on assets | 0.4880% | 4,272 |
| Return on Equity (ROE) | 1.6217% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.6217% | 3,902 |
| Net charge-offs to loans | 0.0221% | 2,277 |
| Credit loss provision to net charge-offs | 361.1111% | 1,488 |
| Earnings coverage of net charge-offs (x) | 34.4444% | 1,345 |
| Efficiency ratio | 83.4667% | 669 |
| Assets per employee ($millions) | 5.1827% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 1,977 |
| Loan loss allowance to noncurrent loans | 110.4851% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 932 |
| Noncurrent loans to loans | 1.1820% | 1,326 |
| Net loans and leases to total assets | 67.1430% | 2,481 |
| Net loans and leases to deposits | 100.2210% | 535 |
| Net loans and leases to core deposits | 108.8274% | 778 |
| Total domestic deposits to total assets | 66.9950% | 4,864 |
| Equity capital to assets | 21.6470% | 156 |
| Core capital (leverage) ratio | 22.3295% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8413% | 158 |
| Memoranda: | ||
| Average total assets | $227,467,333 | 2,700 |
| Average earning assets | $210,211,667 | 2,711 |
| Average equity | $51,303,000 | 1,633 |
| Average total loans | $162,618,000 | 2,545 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 3,054 |
| Cost of funding earning assets | 0.8950% | 1,898 |
| Net interest margin | 3.3596% | 3,424 |
| Noninterest income to average assets | 0.3063% | 3,682 |
| Noninterest expense to average assets | 2.9243% | 2,060 |
| Loan and lease loss provision to assets | 0.1171% | 2,226 |
| Net operating income to assets | 0.2793% | 4,390 |
| Return on assets (ROA) | 0.2793% | 4,410 |
| Pretax return on assets | 0.3694% | 4,352 |
| Return on Equity (ROE) | 1.2121% | 4,597 |
| Retained earnings to average equity (ytd only) | 1.2121% | 3,691 |
| Net charge-offs to loans | 0.0295% | 1,792 |
| Credit loss provision to net charge-offs | 541.6667% | 841 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,356 |
| Efficiency ratio | 85.7369% | 720 |
| Assets per employee ($millions) | 4.6950% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,089 |
| Loan loss allowance to noncurrent loans | 106.9486% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 895 |
| Noncurrent loans to loans | 1.2258% | 1,330 |
| Net loans and leases to total assets | 70.9481% | 2,098 |
| Net loans and leases to deposits | 108.2827% | 223 |
| Net loans and leases to core deposits | 116.8644% | 557 |
| Total domestic deposits to total assets | 65.5212% | 4,971 |
| Equity capital to assets | 22.7797% | 156 |
| Core capital (leverage) ratio | 23.2370% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8181% | 143 |
| Memoranda: | ||
| Average total assets | $221,999,500 | 2,699 |
| Average earning assets | $205,145,500 | 2,700 |
| Average equity | $51,151,000 | 1,622 |
| Average total loans | $162,832,500 | 2,518 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 3,362 |
| Cost of funding earning assets | 0.9275% | 2,071 |
| Net interest margin | 3.4343% | 3,638 |
| Noninterest income to average assets | 0.3111% | 3,835 |
| Noninterest expense to average assets | 2.7135% | 2,847 |
| Loan and lease loss provision to assets | 0.0339% | 3,332 |
| Net operating income to assets | 0.6050% | 4,141 |
| Return on assets (ROA) | 0.6050% | 4,203 |
| Pretax return on assets | 0.7565% | 4,067 |
| Return on Equity (ROE) | 2.6705% | 4,713 |
| Retained earnings to average equity (ytd only) | 2.6705% | 3,704 |
| Net charge-offs to loans | 0.0789% | 1,970 |
| Credit loss provision to net charge-offs | 58.1395% | 3,059 |
| Earnings coverage of net charge-offs (x) | 13.5504% | 2,350 |
| Efficiency ratio | 77.4423% | 1,217 |
| Assets per employee ($millions) | 4.3728% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,085 |
| Loan loss allowance to noncurrent loans | 114.6099% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3108% | 840 |
| Noncurrent loans to loans | 1.1042% | 1,366 |
| Net loans and leases to total assets | 73.9032% | 1,772 |
| Net loans and leases to deposits | 114.4932% | 126 |
| Net loans and leases to core deposits | 124.0658% | 382 |
| Total domestic deposits to total assets | 64.5481% | 5,045 |
| Equity capital to assets | 23.3105% | 153 |
| Core capital (leverage) ratio | 23.1359% | 152 |
| Tier 1 risk-based capital ratio | 39.8545% | 244 |
| Total risk-based capital ratio | 41.1087% | 241 |
| Memoranda: | ||
| Average total assets | $221,155,400 | 2,649 |
| Average earning assets | $205,603,200 | 2,651 |
| Average equity | $50,103,400 | 1,598 |
| Average total loans | $163,443,400 | 2,473 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 3,538 |
| Cost of funding earning assets | 0.9254% | 2,114 |
| Net interest margin | 3.4177% | 3,815 |
| Noninterest income to average assets | 0.1671% | 4,717 |
| Noninterest expense to average assets | 2.7948% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4202% | 4,686 |
| Return on assets (ROA) | 0.4202% | 4,714 |
| Pretax return on assets | 0.5561% | 4,614 |
| Return on Equity (ROE) | 1.8682% | 4,914 |
| Retained earnings to average equity (ytd only) | 1.8682% | 4,320 |
| Net charge-offs to loans | 0.0579% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 13.0287% | 2,323 |
| Efficiency ratio | 83.4051% | 655 |
| Assets per employee ($millions) | 4.4897% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,163 |
| Loan loss allowance to noncurrent loans | 76.0459% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.5832% | 663 |
| Noncurrent loans to loans | 1.6589% | 883 |
| Net loans and leases to total assets | 73.0765% | 1,981 |
| Net loans and leases to deposits | 112.4458% | 169 |
| Net loans and leases to core deposits | 120.7832% | 510 |
| Total domestic deposits to total assets | 64.9882% | 5,108 |
| Equity capital to assets | 22.8662% | 164 |
| Core capital (leverage) ratio | 22.9783% | 155 |
| Tier 1 risk-based capital ratio | 40.0654% | 241 |
| Total risk-based capital ratio | 41.3198% | 240 |
| Memoranda: | ||
| Average total assets | $221,784,250 | 2,667 |
| Average earning assets | $206,603,000 | 2,661 |
| Average equity | $49,887,750 | 1,604 |
| Average total loans | $163,391,000 | 2,496 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 3,548 |
| Cost of funding earning assets | 0.9212% | 2,047 |
| Net interest margin | 3.4065% | 3,876 |
| Noninterest income to average assets | 0.1340% | 4,901 |
| Noninterest expense to average assets | 2.7826% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3939% | 4,746 |
| Return on assets (ROA) | 0.3939% | 4,765 |
| Pretax return on assets | 0.5306% | 4,652 |
| Return on Equity (ROE) | 1.7609% | 4,971 |
| Retained earnings to average equity (ytd only) | 1.7609% | 4,188 |
| Net charge-offs to loans | 0.0844% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.5507% | 2,403 |
| Efficiency ratio | 83.9848% | 652 |
| Assets per employee ($millions) | 4.6750% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,214 |
| Loan loss allowance to noncurrent loans | 83.4754% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.5888% | 686 |
| Noncurrent loans to loans | 1.5060% | 1,026 |
| Net loans and leases to total assets | 73.4960% | 1,964 |
| Net loans and leases to deposits | 112.6646% | 170 |
| Net loans and leases to core deposits | 121.8757% | 491 |
| Total domestic deposits to total assets | 65.2343% | 5,157 |
| Equity capital to assets | 22.7744% | 166 |
| Core capital (leverage) ratio | 22.3839% | 163 |
| Tier 1 risk-based capital ratio | 39.5914% | 240 |
| Total risk-based capital ratio | 40.8461% | 235 |
| Memoranda: | ||
| Average total assets | $222,380,000 | 2,673 |
| Average earning assets | $207,547,000 | 2,663 |
| Average equity | $49,748,670 | 1,598 |
| Average total loans | $163,581,330 | 2,502 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 3,574 |
| Cost of funding earning assets | 0.9035% | 1,980 |
| Net interest margin | 3.3924% | 3,908 |
| Noninterest income to average assets | 0.1377% | 4,910 |
| Noninterest expense to average assets | 2.7590% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4148% | 4,701 |
| Return on assets (ROA) | 0.4148% | 4,713 |
| Pretax return on assets | 0.5543% | 4,593 |
| Return on Equity (ROE) | 1.8709% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.8709% | 4,100 |
| Net charge-offs to loans | 0.0758% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,986 |
| Efficiency ratio | 83.2704% | 768 |
| Assets per employee ($millions) | 4.8041% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,211 |
| Loan loss allowance to noncurrent loans | 40.7040% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.7467% | 250 |
| Noncurrent loans to loans | 3.1324% | 331 |
| Net loans and leases to total assets | 71.7748% | 2,204 |
| Net loans and leases to deposits | 108.2151% | 266 |
| Net loans and leases to core deposits | 118.9661% | 553 |
| Total domestic deposits to total assets | 66.3261% | 5,207 |
| Equity capital to assets | 22.0381% | 172 |
| Core capital (leverage) ratio | 22.2982% | 166 |
| Tier 1 risk-based capital ratio | 39.0756% | 248 |
| Total risk-based capital ratio | 40.3308% | 247 |
| Memoranda: | ||
| Average total assets | $223,707,500 | 2,693 |
| Average earning assets | $209,407,000 | 2,669 |
| Average equity | $49,602,500 | 1,590 |
| Average total loans | $163,599,500 | 2,524 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 3,565 |
| Cost of funding earning assets | 0.6522% | 2,377 |
| Net interest margin | 3.5031% | 3,696 |
| Noninterest income to average assets | 0.1847% | 4,803 |
| Noninterest expense to average assets | 2.5951% | 3,350 |
| Loan and lease loss provision to assets | 0.1625% | 1,251 |
| Net operating income to assets | 0.6009% | 4,421 |
| Return on assets (ROA) | 0.6009% | 4,426 |
| Pretax return on assets | 0.7193% | 4,365 |
| Return on Equity (ROE) | 2.7730% | 4,943 |
| Retained earnings to average equity (ytd only) | 2.7730% | 4,012 |
| Net charge-offs to loans | 0.2954% | 658 |
| Credit loss provision to net charge-offs | 75.2577% | 2,921 |
| Earnings coverage of net charge-offs (x) | 4.0845% | 3,334 |
| Efficiency ratio | 74.6383% | 1,546 |
| Assets per employee ($millions) | 4.7153% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,024 |
| Loan loss allowance to noncurrent loans | 87.5567% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.6740% | 648 |
| Noncurrent loans to loans | 1.4886% | 1,025 |
| Net loans and leases to total assets | 72.6094% | 2,153 |
| Net loans and leases to deposits | 109.9731% | 255 |
| Net loans and leases to core deposits | 120.3955% | 530 |
| Total domestic deposits to total assets | 66.0247% | 5,246 |
| Equity capital to assets | 22.3103% | 166 |
| Core capital (leverage) ratio | 22.5279% | 156 |
| Tier 1 risk-based capital ratio | 39.6410% | 238 |
| Total risk-based capital ratio | 40.8963% | 237 |
| Memoranda: | ||
| Average total assets | $224,656,400 | 2,655 |
| Average earning assets | $211,124,600 | 2,629 |
| Average equity | $48,683,600 | 1,550 |
| Average total loans | $164,204,600 | 2,486 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 3,503 |
| Cost of funding earning assets | 0.6049% | 2,438 |
| Net interest margin | 3.5326% | 3,585 |
| Noninterest income to average assets | 0.1739% | 4,915 |
| Noninterest expense to average assets | 2.7475% | 2,823 |
| Loan and lease loss provision to assets | 0.0384% | 3,233 |
| Net operating income to assets | 0.5566% | 4,629 |
| Return on assets (ROA) | 0.5566% | 4,637 |
| Pretax return on assets | 0.7110% | 4,506 |
| Return on Equity (ROE) | 2.5872% | 5,061 |
| Retained earnings to average equity (ytd only) | 2.5872% | 4,373 |
| Net charge-offs to loans | 0.2675% | 620 |
| Credit loss provision to net charge-offs | 19.6970% | 3,018 |
| Earnings coverage of net charge-offs (x) | 3.8394% | 3,120 |
| Efficiency ratio | 78.5690% | 1,066 |
| Assets per employee ($millions) | 5.0033% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,573 |
| Loan loss allowance to noncurrent loans | 71.8693% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.8136% | 635 |
| Noncurrent loans to loans | 1.6829% | 923 |
| Net loans and leases to total assets | 70.2677% | 2,603 |
| Net loans and leases to deposits | 107.9522% | 356 |
| Net loans and leases to core deposits | 118.1325% | 639 |
| Total domestic deposits to total assets | 65.0915% | 5,338 |
| Equity capital to assets | 21.2653% | 184 |
| Core capital (leverage) ratio | 21.9253% | 167 |
| Tier 1 risk-based capital ratio | 38.6355% | 252 |
| Total risk-based capital ratio | 39.8887% | 249 |
| Memoranda: | ||
| Average total assets | $225,415,500 | 2,660 |
| Average earning assets | $212,040,250 | 2,634 |
| Average equity | $48,493,500 | 1,553 |
| Average total loans | $164,495,250 | 2,502 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 3,297 |
| Cost of funding earning assets | 0.5512% | 2,599 |
| Net interest margin | 3.5934% | 3,343 |
| Noninterest income to average assets | 0.1242% | 5,180 |
| Noninterest expense to average assets | 2.7949% | 2,672 |
| Loan and lease loss provision to assets | 0.0581% | 2,741 |
| Net operating income to assets | 0.5173% | 4,711 |
| Return on assets (ROA) | 0.5173% | 4,716 |
| Pretax return on assets | 0.6558% | 4,623 |
| Return on Equity (ROE) | 2.3953% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.3953% | 4,313 |
| Net charge-offs to loans | 0.3314% | 481 |
| Credit loss provision to net charge-offs | 23.8095% | 2,666 |
| Earnings coverage of net charge-offs (x) | 2.9267% | 2,932 |
| Efficiency ratio | 79.6537% | 1,050 |
| Assets per employee ($millions) | 5.0495% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,454 |
| Loan loss allowance to noncurrent loans | 83.0750% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.8818% | 593 |
| Noncurrent loans to loans | 1.4999% | 1,117 |
| Net loans and leases to total assets | 71.0458% | 2,428 |
| Net loans and leases to deposits | 102.5257% | 622 |
| Net loans and leases to core deposits | 112.2650% | 872 |
| Total domestic deposits to total assets | 69.2956% | 5,297 |
| Equity capital to assets | 21.3860% | 177 |
| Core capital (leverage) ratio | 21.4189% | 180 |
| Tier 1 risk-based capital ratio | 38.3839% | 260 |
| Total risk-based capital ratio | 39.6382% | 251 |
| Memoranda: | ||
| Average total assets | $223,837,330 | 2,690 |
| Average earning assets | $210,831,330 | 2,659 |
| Average equity | $48,344,000 | 1,561 |
| Average total loans | $164,760,000 | 2,507 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 3,338 |
| Cost of funding earning assets | 0.4208% | 3,437 |
| Net interest margin | 3.6484% | 2,994 |
| Noninterest income to average assets | 0.1405% | 5,167 |
| Noninterest expense to average assets | 2.8396% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5816% | 4,478 |
| Return on assets (ROA) | 0.5816% | 4,486 |
| Pretax return on assets | 0.7509% | 4,291 |
| Return on Equity (ROE) | 2.6795% | 5,078 |
| Retained earnings to average equity (ytd only) | 2.6795% | 4,104 |
| Net charge-offs to loans | 0.3845% | 407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.6226% | 2,444 |
| Efficiency ratio | 79.0873% | 1,248 |
| Assets per employee ($millions) | 4.9986% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,451 |
| Loan loss allowance to noncurrent loans | 66.0856% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 2.0788% | 530 |
| Noncurrent loans to loans | 1.9093% | 855 |
| Net loans and leases to total assets | 70.9596% | 2,335 |
| Net loans and leases to deposits | 102.9413% | 540 |
| Net loans and leases to core deposits | 113.3740% | 832 |
| Total domestic deposits to total assets | 68.9321% | 5,393 |
| Equity capital to assets | 21.0233% | 179 |
| Core capital (leverage) ratio | 22.3791% | 144 |
| Tier 1 risk-based capital ratio | 37.1414% | 276 |
| Total risk-based capital ratio | 38.3959% | 269 |
| Memoranda: | ||
| Average total assets | $222,142,000 | 2,735 |
| Average earning assets | $210,066,000 | 2,691 |
| Average equity | $48,218,500 | 1,575 |
| Average total loans | $165,403,500 | 2,519 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 2,778 |
| Cost of funding earning assets | 0.4107% | 3,152 |
| Net interest margin | 3.7653% | 2,546 |
| Noninterest income to average assets | 0.1663% | 5,130 |
| Noninterest expense to average assets | 2.5765% | 3,519 |
| Loan and lease loss provision to assets | 0.1319% | 1,740 |
| Net operating income to assets | 0.7814% | 3,243 |
| Return on assets (ROA) | 0.7814% | 3,283 |
| Pretax return on assets | 1.0353% | 3,434 |
| Return on Equity (ROE) | 3.7059% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.7059% | 3,006 |
| Net charge-offs to loans | 0.1770% | 1,409 |
| Credit loss provision to net charge-offs | 99.3266% | 2,617 |
| Earnings coverage of net charge-offs (x) | 8.7912% | 2,861 |
| Efficiency ratio | 68.8239% | 2,739 |
| Assets per employee ($millions) | 4.5606% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 1,948 |
| Loan loss allowance to noncurrent loans | 91.1454% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.9632% | 577 |
| Noncurrent loans to loans | 1.4871% | 1,145 |
| Net loans and leases to total assets | 76.1921% | 1,557 |
| Net loans and leases to deposits | 105.0858% | 441 |
| Net loans and leases to core deposits | 113.7321% | 810 |
| Total domestic deposits to total assets | 72.5047% | 5,297 |
| Equity capital to assets | 22.4386% | 140 |
| Core capital (leverage) ratio | 22.1197% | 137 |
| Tier 1 risk-based capital ratio | 38.8619% | 239 |
| Total risk-based capital ratio | 40.1189% | 232 |
| Memoranda: | ||
| Average total assets | $223,713,600 | 2,695 |
| Average earning assets | $212,546,600 | 2,637 |
| Average equity | $47,168,600 | 1,596 |
| Average total loans | $167,785,400 | 2,446 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 2,804 |
| Cost of funding earning assets | 0.4099% | 3,091 |
| Net interest margin | 3.7373% | 2,628 |
| Noninterest income to average assets | 0.1416% | 5,298 |
| Noninterest expense to average assets | 2.6860% | 3,105 |
| Loan and lease loss provision to assets | 0.0737% | 2,594 |
| Net operating income to assets | 0.6022% | 4,384 |
| Return on assets (ROA) | 0.6022% | 4,425 |
| Pretax return on assets | 0.9366% | 3,913 |
| Return on Equity (ROE) | 2.9003% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.9003% | 4,176 |
| Net charge-offs to loans | 0.1354% | 1,440 |
| Credit loss provision to net charge-offs | 73.0994% | 2,669 |
| Earnings coverage of net charge-offs (x) | 10.0177% | 2,640 |
| Efficiency ratio | 72.6663% | 2,103 |
| Assets per employee ($millions) | 4.8147% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 2,270 |
| Loan loss allowance to noncurrent loans | 82.9314% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8431% | 737 |
| Noncurrent loans to loans | 1.5907% | 1,158 |
| Net loans and leases to total assets | 74.3395% | 1,868 |
| Net loans and leases to deposits | 101.3799% | 654 |
| Net loans and leases to core deposits | 109.4911% | 1,056 |
| Total domestic deposits to total assets | 73.3277% | 5,287 |
| Equity capital to assets | 21.4275% | 172 |
| Core capital (leverage) ratio | 21.2497% | 169 |
| Tier 1 risk-based capital ratio | 37.6345% | 269 |
| Total risk-based capital ratio | 38.8902% | 262 |
| Memoranda: | ||
| Average total assets | $226,054,750 | 2,696 |
| Average earning assets | $215,013,500 | 2,641 |
| Average equity | $46,936,500 | 1,615 |
| Average total loans | $168,341,500 | 2,456 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 2,847 |
| Cost of funding earning assets | 0.4100% | 2,978 |
| Net interest margin | 3.6844% | 2,706 |
| Noninterest income to average assets | 0.0888% | 5,553 |
| Noninterest expense to average assets | 2.6769% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5800% | 4,390 |
| Return on assets (ROA) | 0.5800% | 4,446 |
| Pretax return on assets | 0.9184% | 3,869 |
| Return on Equity (ROE) | 2.8227% | 5,166 |
| Retained earnings to average equity (ytd only) | 2.8227% | 4,028 |
| Net charge-offs to loans | 0.0201% | 2,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 61.4706% | 936 |
| Efficiency ratio | 74.4561% | 1,931 |
| Assets per employee ($millions) | 4.9551% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 2,272 |
| Loan loss allowance to noncurrent loans | 110.6700% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5676% | 953 |
| Noncurrent loans to loans | 1.2017% | 1,621 |
| Net loans and leases to total assets | 72.5884% | 2,109 |
| Net loans and leases to deposits | 97.9174% | 900 |
| Net loans and leases to core deposits | 106.1453% | 1,224 |
| Total domestic deposits to total assets | 74.1323% | 5,281 |
| Equity capital to assets | 20.6684% | 197 |
| Core capital (leverage) ratio | 20.6481% | 185 |
| Tier 1 risk-based capital ratio | 36.9572% | 264 |
| Total risk-based capital ratio | 38.2130% | 262 |
| Memoranda: | ||
| Average total assets | $227,580,670 | 2,702 |
| Average earning assets | $216,590,330 | 2,644 |
| Average equity | $46,763,000 | 1,620 |
| Average total loans | $168,840,000 | 2,453 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 2,787 |
| Cost of funding earning assets | 0.4121% | 2,882 |
| Net interest margin | 3.6531% | 2,683 |
| Noninterest income to average assets | 0.1161% | 5,526 |
| Noninterest expense to average assets | 2.6455% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5963% | 4,181 |
| Return on assets (ROA) | 0.5963% | 4,228 |
| Pretax return on assets | 0.9481% | 3,593 |
| Return on Equity (ROE) | 2.9105% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.9105% | 3,961 |
| Net charge-offs to loans | 0.1133% | 1,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 11.2292% | 1,900 |
| Efficiency ratio | 73.6172% | 2,294 |
| Assets per employee ($millions) | 4.8882% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,507 |
| Loan loss allowance to noncurrent loans | 104.3664% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.7902% | 795 |
| Noncurrent loans to loans | 1.2523% | 1,613 |
| Net loans and leases to total assets | 72.2742% | 2,039 |
| Net loans and leases to deposits | 96.5968% | 884 |
| Net loans and leases to core deposits | 104.3750% | 1,203 |
| Total domestic deposits to total assets | 74.8205% | 5,346 |
| Equity capital to assets | 20.3586% | 204 |
| Core capital (leverage) ratio | 20.6401% | 183 |
| Tier 1 risk-based capital ratio | 36.5127% | 287 |
| Total risk-based capital ratio | 37.7682% | 281 |
| Memoranda: | ||
| Average total assets | $227,404,500 | 2,728 |
| Average earning assets | $216,476,500 | 2,674 |
| Average equity | $46,589,500 | 1,627 |
| Average total loans | $169,418,500 | 2,466 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,448 |
| Cost of funding earning assets | 0.4457% | 2,573 |
| Net interest margin | 3.7659% | 2,448 |
| Noninterest income to average assets | 0.1083% | 5,621 |
| Noninterest expense to average assets | 2.4736% | 4,095 |
| Loan and lease loss provision to assets | 0.2616% | 789 |
| Net operating income to assets | 0.6262% | 4,102 |
| Return on assets (ROA) | 0.6262% | 4,215 |
| Pretax return on assets | 0.9727% | 3,577 |
| Return on Equity (ROE) | 3.1001% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.1001% | 3,698 |
| Net charge-offs to loans | 0.3404% | 803 |
| Credit loss provision to net charge-offs | 99.6633% | 2,617 |
| Earnings coverage of net charge-offs (x) | 4.7020% | 3,460 |
| Efficiency ratio | 66.7104% | 3,479 |
| Assets per employee ($millions) | 4.7886% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 2,450 |
| Loan loss allowance to noncurrent loans | 109.1881% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 2.1127% | 633 |
| Noncurrent loans to loans | 1.2058% | 1,711 |
| Net loans and leases to total assets | 74.7991% | 1,726 |
| Net loans and leases to deposits | 100.1934% | 658 |
| Net loans and leases to core deposits | 108.9936% | 961 |
| Total domestic deposits to total assets | 74.6547% | 5,385 |
| Equity capital to assets | 20.6191% | 191 |
| Core capital (leverage) ratio | 20.5359% | 181 |
| Tier 1 risk-based capital ratio | 35.6624% | 302 |
| Total risk-based capital ratio | 36.9182% | 296 |
| Memoranda: | ||
| Average total assets | $226,271,200 | 2,696 |
| Average earning assets | $216,283,400 | 2,636 |
| Average equity | $45,708,200 | 1,650 |
| Average total loans | $174,493,400 | 2,366 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 2,550 |
| Cost of funding earning assets | 0.4519% | 2,543 |
| Net interest margin | 3.7370% | 2,567 |
| Noninterest income to average assets | 0.1536% | 5,504 |
| Noninterest expense to average assets | 2.6051% | 3,644 |
| Loan and lease loss provision to assets | 0.2689% | 664 |
| Net operating income to assets | 0.5343% | 4,557 |
| Return on assets (ROA) | 0.5343% | 4,659 |
| Pretax return on assets | 0.8562% | 4,136 |
| Return on Equity (ROE) | 2.6588% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.6588% | 4,320 |
| Net charge-offs to loans | 0.3883% | 564 |
| Credit loss provision to net charge-offs | 89.4325% | 2,535 |
| Earnings coverage of net charge-offs (x) | 3.7417% | 3,367 |
| Efficiency ratio | 69.8375% | 2,906 |
| Assets per employee ($millions) | 4.8352% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,857 |
| Loan loss allowance to noncurrent loans | 61.1932% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.1280% | 709 |
| Noncurrent loans to loans | 2.0711% | 936 |
| Net loans and leases to total assets | 75.2444% | 1,664 |
| Net loans and leases to deposits | 100.7530% | 655 |
| Net loans and leases to core deposits | 109.1970% | 971 |
| Total domestic deposits to total assets | 74.6821% | 5,372 |
| Equity capital to assets | 20.2549% | 220 |
| Core capital (leverage) ratio | 20.1666% | 197 |
| Tier 1 risk-based capital ratio | 35.1044% | 332 |
| Total risk-based capital ratio | 36.3598% | 327 |
| Memoranda: | ||
| Average total assets | $226,573,250 | 2,706 |
| Average earning assets | $216,855,250 | 2,639 |
| Average equity | $45,533,750 | 1,662 |
| Average total loans | $175,469,000 | 2,360 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 2,452 |
| Cost of funding earning assets | 0.4643% | 2,432 |
| Net interest margin | 3.7544% | 2,501 |
| Noninterest income to average assets | 0.1626% | 5,506 |
| Noninterest expense to average assets | 2.6367% | 3,583 |
| Loan and lease loss provision to assets | 0.3685% | 430 |
| Net operating income to assets | 0.4126% | 4,997 |
| Return on assets (ROA) | 0.4126% | 5,081 |
| Pretax return on assets | 0.7511% | 4,446 |
| Return on Equity (ROE) | 2.0587% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.0587% | 4,535 |
| Net charge-offs to loans | 0.5640% | 372 |
| Credit loss provision to net charge-offs | 83.9034% | 2,323 |
| Earnings coverage of net charge-offs (x) | 2.5493% | 3,256 |
| Efficiency ratio | 70.1952% | 2,943 |
| Assets per employee ($millions) | 4.8103% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 3,171 |
| Loan loss allowance to noncurrent loans | 57.4914% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.2483% | 666 |
| Noncurrent loans to loans | 2.1437% | 901 |
| Net loans and leases to total assets | 76.8493% | 1,364 |
| Net loans and leases to deposits | 102.7506% | 521 |
| Net loans and leases to core deposits | 111.7081% | 834 |
| Total domestic deposits to total assets | 74.7921% | 5,436 |
| Equity capital to assets | 20.1655% | 215 |
| Core capital (leverage) ratio | 20.1236% | 190 |
| Tier 1 risk-based capital ratio | 35.0851% | 334 |
| Total risk-based capital ratio | 36.3403% | 329 |
| Memoranda: | ||
| Average total assets | $226,346,330 | 2,723 |
| Average earning assets | $216,654,000 | 2,651 |
| Average equity | $45,368,330 | 1,670 |
| Average total loans | $176,228,330 | 2,351 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 2,282 |
| Cost of funding earning assets | 0.4684% | 2,384 |
| Net interest margin | 3.7875% | 2,336 |
| Noninterest income to average assets | 0.2349% | 5,064 |
| Noninterest expense to average assets | 2.5433% | 3,931 |
| Loan and lease loss provision to assets | 0.5510% | 210 |
| Net operating income to assets | 0.4716% | 4,736 |
| Return on assets (ROA) | 0.4716% | 4,830 |
| Pretax return on assets | 0.7683% | 4,312 |
| Return on Equity (ROE) | 2.3599% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.3599% | 4,308 |
| Net charge-offs to loans | 0.4490% | 506 |
| Credit loss provision to net charge-offs | 157.5758% | 1,239 |
| Earnings coverage of net charge-offs (x) | 3.7727% | 2,500 |
| Efficiency ratio | 65.8436% | 3,829 |
| Assets per employee ($millions) | 4.8493% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,662 |
| Loan loss allowance to noncurrent loans | 55.7180% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.4571% | 612 |
| Noncurrent loans to loans | 2.4220% | 795 |
| Net loans and leases to total assets | 75.7901% | 1,424 |
| Net loans and leases to deposits | 100.8277% | 577 |
| Net loans and leases to core deposits | 109.2753% | 890 |
| Total domestic deposits to total assets | 75.1679% | 5,503 |
| Equity capital to assets | 19.9166% | 216 |
| Core capital (leverage) ratio | 20.0639% | 195 |
| Tier 1 risk-based capital ratio | 35.1720% | 329 |
| Total risk-based capital ratio | 36.4288% | 325 |
| Memoranda: | ||
| Average total assets | $226,477,500 | 2,721 |
| Average earning assets | $216,924,000 | 2,657 |
| Average equity | $45,257,000 | 1,669 |
| Average total loans | $176,386,500 | 2,350 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2408% | 2,417 |
| Cost of funding earning assets | 0.6109% | 1,306 |
| Net interest margin | 3.6299% | 3,016 |
| Noninterest income to average assets | 0.2253% | 5,251 |
| Noninterest expense to average assets | 2.4641% | 4,340 |
| Loan and lease loss provision to assets | 0.0952% | 2,415 |
| Net operating income to assets | 0.7686% | 3,473 |
| Return on assets (ROA) | 0.7686% | 3,559 |
| Pretax return on assets | 1.1410% | 2,878 |
| Return on Equity (ROE) | 4.0195% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.0195% | 3,163 |
| Net charge-offs to loans | 0.2105% | 1,395 |
| Credit loss provision to net charge-offs | 58.2011% | 3,285 |
| Earnings coverage of net charge-offs (x) | 7.5608% | 3,065 |
| Efficiency ratio | 66.5926% | 3,809 |
| Assets per employee ($millions) | 4.7881% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 3,082 |
| Loan loss allowance to noncurrent loans | 46.5328% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.5440% | 604 |
| Noncurrent loans to loans | 2.7190% | 643 |
| Net loans and leases to total assets | 77.9528% | 1,127 |
| Net loans and leases to deposits | 103.6730% | 459 |
| Net loans and leases to core deposits | 113.8369% | 688 |
| Total domestic deposits to total assets | 75.1911% | 5,537 |
| Equity capital to assets | 20.0502% | 211 |
| Core capital (leverage) ratio | 20.0353% | 197 |
| Tier 1 risk-based capital ratio | 34.9194% | 336 |
| Total risk-based capital ratio | 36.1753% | 333 |
| Memoranda: | ||
| Average total assets | $231,202,800 | 2,651 |
| Average earning assets | $221,327,400 | 2,576 |
| Average equity | $44,209,400 | 1,666 |
| Average total loans | $179,554,200 | 2,247 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2402% | 2,443 |
| Cost of funding earning assets | 0.6537% | 1,071 |
| Net interest margin | 3.5864% | 3,214 |
| Noninterest income to average assets | 0.2549% | 5,117 |
| Noninterest expense to average assets | 2.5149% | 4,149 |
| Loan and lease loss provision to assets | 0.0115% | 4,048 |
| Net operating income to assets | 0.6920% | 3,937 |
| Return on assets (ROA) | 0.6920% | 4,046 |
| Pretax return on assets | 1.1606% | 2,968 |
| Return on Equity (ROE) | 3.6621% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.6621% | 3,858 |
| Net charge-offs to loans | 0.2800% | 955 |
| Credit loss provision to net charge-offs | 5.2910% | 3,483 |
| Earnings coverage of net charge-offs (x) | 5.4127% | 3,205 |
| Efficiency ratio | 68.2101% | 3,502 |
| Assets per employee ($millions) | 4.8023% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,984 |
| Loan loss allowance to noncurrent loans | 48.1316% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 2.3287% | 778 |
| Noncurrent loans to loans | 2.3732% | 879 |
| Net loans and leases to total assets | 78.5300% | 1,020 |
| Net loans and leases to deposits | 104.4651% | 432 |
| Net loans and leases to core deposits | 115.7033% | 600 |
| Total domestic deposits to total assets | 75.1735% | 5,606 |
| Equity capital to assets | 19.7460% | 245 |
| Core capital (leverage) ratio | 19.2475% | 232 |
| Tier 1 risk-based capital ratio | 34.3549% | 369 |
| Total risk-based capital ratio | 35.6094% | 366 |
| Memoranda: | ||
| Average total assets | $232,743,500 | 2,664 |
| Average earning assets | $222,722,000 | 2,585 |
| Average equity | $43,981,500 | 1,685 |
| Average total loans | $180,024,500 | 2,249 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 2,507 |
| Cost of funding earning assets | 0.6774% | 950 |
| Net interest margin | 3.5338% | 3,363 |
| Noninterest income to average assets | 0.2782% | 4,959 |
| Noninterest expense to average assets | 2.4323% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7333% | 3,721 |
| Return on assets (ROA) | 0.7333% | 3,831 |
| Pretax return on assets | 1.2276% | 2,659 |
| Return on Equity (ROE) | 3.9373% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.9373% | 3,503 |
| Net charge-offs to loans | 0.4227% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.7874% | 3,132 |
| Efficiency ratio | 66.4575% | 3,932 |
| Assets per employee ($millions) | 5.0203% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 4,172 |
| Loan loss allowance to noncurrent loans | 49.2222% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.2826% | 893 |
| Noncurrent loans to loans | 2.3002% | 1,026 |
| Net loans and leases to total assets | 74.9426% | 1,512 |
| Net loans and leases to deposits | 102.8273% | 510 |
| Net loans and leases to core deposits | 113.8430% | 672 |
| Total domestic deposits to total assets | 72.8820% | 5,883 |
| Equity capital to assets | 18.7401% | 278 |
| Core capital (leverage) ratio | 18.7050% | 250 |
| Tier 1 risk-based capital ratio | 33.3875% | 416 |
| Total risk-based capital ratio | 34.6410% | 407 |
| Memoranda: | ||
| Average total assets | $235,089,330 | 2,656 |
| Average earning assets | $224,971,000 | 2,583 |
| Average equity | $43,786,000 | 1,699 |
| Average total loans | $180,267,670 | 2,258 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 2,141 |
| Cost of funding earning assets | 0.6829% | 931 |
| Net interest margin | 3.6034% | 2,987 |
| Noninterest income to average assets | 0.1824% | 5,621 |
| Noninterest expense to average assets | 2.4393% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7534% | 3,518 |
| Return on assets (ROA) | 0.7534% | 3,656 |
| Pretax return on assets | 1.1881% | 2,718 |
| Return on Equity (ROE) | 4.0578% | 4,958 |
| Retained earnings to average equity (ytd only) | 4.0578% | 3,568 |
| Net charge-offs to loans | 0.5570% | 443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.7659% | 2,702 |
| Efficiency ratio | 67.2462% | 3,946 |
| Assets per employee ($millions) | 4.9152% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,982 |
| Loan loss allowance to noncurrent loans | 43.5266% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.7750% | 716 |
| Noncurrent loans to loans | 2.7569% | 844 |
| Net loans and leases to total assets | 75.2041% | 1,323 |
| Net loans and leases to deposits | 102.9977% | 412 |
| Net loans and leases to core deposits | 111.4280% | 685 |
| Total domestic deposits to total assets | 73.0153% | 5,976 |
| Equity capital to assets | 18.5610% | 289 |
| Core capital (leverage) ratio | 18.7117% | 253 |
| Tier 1 risk-based capital ratio | 32.8877% | 427 |
| Total risk-based capital ratio | 34.1419% | 426 |
| Memoranda: | ||
| Average total assets | $234,657,000 | 2,677 |
| Average earning assets | $224,345,500 | 2,602 |
| Average equity | $43,570,000 | 1,709 |
| Average total loans | $180,974,000 | 2,269 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 2,075 |
| Cost of funding earning assets | 0.7534% | 833 |
| Net interest margin | 3.6954% | 3,024 |
| Noninterest income to average assets | 0.2159% | 5,563 |
| Noninterest expense to average assets | 2.4359% | 4,739 |
| Loan and lease loss provision to assets | 0.1886% | 1,358 |
| Net operating income to assets | 0.7708% | 3,513 |
| Return on assets (ROA) | 0.7708% | 3,614 |
| Pretax return on assets | 1.1402% | 2,923 |
| Return on Equity (ROE) | 4.1961% | 5,023 |
| Retained earnings to average equity (ytd only) | 4.1961% | 3,208 |
| Net charge-offs to loans | 0.1522% | 2,516 |
| Credit loss provision to net charge-offs | 157.0397% | 1,546 |
| Earnings coverage of net charge-offs (x) | 11.0650% | 2,550 |
| Efficiency ratio | 64.7052% | 4,455 |
| Assets per employee ($millions) | 4.9656% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 3,320 |
| Loan loss allowance to noncurrent loans | 41.5759% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.1163% | 632 |
| Noncurrent loans to loans | 3.1733% | 692 |
| Net loans and leases to total assets | 77.1081% | 1,117 |
| Net loans and leases to deposits | 105.5423% | 377 |
| Net loans and leases to core deposits | 112.6625% | 659 |
| Total domestic deposits to total assets | 73.0590% | 6,012 |
| Equity capital to assets | 18.5741% | 285 |
| Core capital (leverage) ratio | 18.5741% | 265 |
| Tier 1 risk-based capital ratio | 32.4471% | 417 |
| Total risk-based capital ratio | 33.7038% | 411 |
| Memoranda: | ||
| Average total assets | $230,671,400 | 2,691 |
| Average earning assets | $221,517,200 | 2,611 |
| Average equity | $42,373,000 | 1,695 |
| Average total loans | $182,018,000 | 2,208 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 2,378 |
| Cost of funding earning assets | 0.7678% | 807 |
| Net interest margin | 3.5952% | 3,447 |
| Noninterest income to average assets | 0.2307% | 5,552 |
| Noninterest expense to average assets | 2.5536% | 4,348 |
| Loan and lease loss provision to assets | 0.0580% | 3,210 |
| Net operating income to assets | 0.6626% | 4,144 |
| Return on assets (ROA) | 0.6626% | 4,245 |
| Pretax return on assets | 1.0748% | 3,280 |
| Return on Equity (ROE) | 3.6174% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.6174% | 4,076 |
| Net charge-offs to loans | 0.1319% | 2,478 |
| Credit loss provision to net charge-offs | 55.5556% | 3,018 |
| Earnings coverage of net charge-offs (x) | 10.8557% | 2,496 |
| Efficiency ratio | 69.2719% | 3,630 |
| Assets per employee ($millions) | 4.9478% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 4,276 |
| Loan loss allowance to noncurrent loans | 26.5548% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 3.9949% | 494 |
| Noncurrent loans to loans | 4.4872% | 442 |
| Net loans and leases to total assets | 77.3430% | 1,051 |
| Net loans and leases to deposits | 106.0415% | 327 |
| Net loans and leases to core deposits | 113.7492% | 590 |
| Total domestic deposits to total assets | 72.9365% | 6,100 |
| Equity capital to assets | 18.3675% | 314 |
| Core capital (leverage) ratio | 18.3675% | 279 |
| Tier 1 risk-based capital ratio | 32.0752% | 437 |
| Total risk-based capital ratio | 33.3301% | 429 |
| Memoranda: | ||
| Average total assets | $229,993,250 | 2,718 |
| Average earning assets | $221,064,500 | 2,623 |
| Average equity | $42,129,000 | 1,715 |
| Average total loans | $181,931,500 | 2,223 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 2,413 |
| Cost of funding earning assets | 0.7828% | 780 |
| Net interest margin | 3.5608% | 3,526 |
| Noninterest income to average assets | 0.2505% | 5,406 |
| Noninterest expense to average assets | 2.5809% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6721% | 3,982 |
| Return on assets (ROA) | 0.6721% | 4,076 |
| Pretax return on assets | 1.0919% | 3,130 |
| Return on Equity (ROE) | 3.6724% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.6724% | 3,855 |
| Net charge-offs to loans | 0.2474% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.5600% | 2,907 |
| Efficiency ratio | 70.2709% | 3,613 |
| Assets per employee ($millions) | 4.9076% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 4,856 |
| Loan loss allowance to noncurrent loans | 24.9200% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 4.0358% | 526 |
| Noncurrent loans to loans | 4.4597% | 497 |
| Net loans and leases to total assets | 78.0789% | 899 |
| Net loans and leases to deposits | 107.0961% | 268 |
| Net loans and leases to core deposits | 114.5459% | 515 |
| Total domestic deposits to total assets | 72.9055% | 6,190 |
| Equity capital to assets | 18.3561% | 307 |
| Core capital (leverage) ratio | 18.3561% | 279 |
| Tier 1 risk-based capital ratio | 31.8198% | 452 |
| Total risk-based capital ratio | 33.0733% | 443 |
| Memoranda: | ||
| Average total assets | $229,142,330 | 2,736 |
| Average earning assets | $220,234,330 | 2,639 |
| Average equity | $41,934,330 | 1,711 |
| Average total loans | $181,899,670 | 2,209 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 2,189 |
| Cost of funding earning assets | 0.7996% | 749 |
| Net interest margin | 3.5865% | 3,306 |
| Noninterest income to average assets | 0.0631% | 6,449 |
| Noninterest expense to average assets | 2.5921% | 4,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5657% | 4,382 |
| Return on assets (ROA) | 0.5657% | 4,457 |
| Pretax return on assets | 0.9195% | 3,626 |
| Return on Equity (ROE) | 3.0960% | 5,426 |
| Retained earnings to average equity (ytd only) | 3.0960% | 4,262 |
| Net charge-offs to loans | 0.1848% | 1,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,250 |
| Efficiency ratio | 73.8155% | 3,178 |
| Assets per employee ($millions) | 4.8786% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 4,668 |
| Loan loss allowance to noncurrent loans | 26.7482% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 4.1793% | 548 |
| Noncurrent loans to loans | 4.4604% | 547 |
| Net loans and leases to total assets | 78.1950% | 751 |
| Net loans and leases to deposits | 106.9625% | 214 |
| Net loans and leases to core deposits | 113.6560% | 473 |
| Total domestic deposits to total assets | 73.1051% | 6,298 |
| Equity capital to assets | 18.2703% | 309 |
| Core capital (leverage) ratio | 18.2703% | 292 |
| Tier 1 risk-based capital ratio | 31.6417% | 458 |
| Total risk-based capital ratio | 32.8963% | 457 |
| Memoranda: | ||
| Average total assets | $228,384,000 | 2,755 |
| Average earning assets | $219,598,500 | 2,657 |
| Average equity | $41,731,500 | 1,712 |
| Average total loans | $181,789,500 | 2,218 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 2,139 |
| Cost of funding earning assets | 0.8800% | 817 |
| Net interest margin | 3.6370% | 3,299 |
| Noninterest income to average assets | 0.0560% | 6,531 |
| Noninterest expense to average assets | 2.3318% | 5,283 |
| Loan and lease loss provision to assets | 0.0603% | 3,937 |
| Net operating income to assets | 0.8605% | 2,975 |
| Return on assets (ROA) | 0.8605% | 3,060 |
| Pretax return on assets | 1.1489% | 2,774 |
| Return on Equity (ROE) | 4.9270% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.9270% | 2,647 |
| Net charge-offs to loans | 0.4943% | 1,341 |
| Credit loss provision to net charge-offs | 15.1679% | 4,524 |
| Earnings coverage of net charge-offs (x) | 3.0433% | 3,979 |
| Efficiency ratio | 65.8522% | 4,590 |
| Assets per employee ($millions) | 4.8398% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 4,478 |
| Loan loss allowance to noncurrent loans | 26.8666% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 4.2106% | 616 |
| Noncurrent loans to loans | 4.5965% | 573 |
| Net loans and leases to total assets | 79.0721% | 705 |
| Net loans and leases to deposits | 107.8611% | 207 |
| Net loans and leases to core deposits | 115.7326% | 430 |
| Total domestic deposits to total assets | 73.3092% | 6,327 |
| Equity capital to assets | 18.2748% | 301 |
| Core capital (leverage) ratio | 18.2748% | 284 |
| Tier 1 risk-based capital ratio | 31.5082% | 445 |
| Total risk-based capital ratio | 32.7641% | 441 |
| Memoranda: | ||
| Average total assets | $232,313,000 | 2,699 |
| Average earning assets | $222,601,800 | 2,589 |
| Average equity | $40,572,400 | 1,722 |
| Average total loans | $186,713,600 | 2,139 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 2,062 |
| Cost of funding earning assets | 0.8982% | 821 |
| Net interest margin | 3.6457% | 3,250 |
| Noninterest income to average assets | 0.0931% | 6,501 |
| Noninterest expense to average assets | 2.3997% | 5,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8576% | 3,057 |
| Return on assets (ROA) | 0.8576% | 3,169 |
| Pretax return on assets | 1.1836% | 2,770 |
| Return on Equity (ROE) | 4.9664% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.9664% | 3,111 |
| Net charge-offs to loans | 0.3953% | 1,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.7217% | 3,624 |
| Efficiency ratio | 66.9694% | 4,309 |
| Assets per employee ($millions) | 4.8669% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 4,177 |
| Loan loss allowance to noncurrent loans | 28.2987% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 4.5370% | 660 |
| Noncurrent loans to loans | 4.7474% | 659 |
| Net loans and leases to total assets | 79.4569% | 607 |
| Net loans and leases to deposits | 108.4252% | 181 |
| Net loans and leases to core deposits | 115.6551% | 401 |
| Total domestic deposits to total assets | 73.2827% | 6,415 |
| Equity capital to assets | 17.9564% | 326 |
| Core capital (leverage) ratio | 17.9564% | 302 |
| Tier 1 risk-based capital ratio | 30.6328% | 489 |
| Total risk-based capital ratio | 31.8902% | 488 |
| Memoranda: | ||
| Average total assets | $233,523,250 | 2,702 |
| Average earning assets | $223,561,250 | 2,595 |
| Average equity | $40,323,000 | 1,742 |
| Average total loans | $187,863,000 | 2,126 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 2,097 |
| Cost of funding earning assets | 0.9264% | 788 |
| Net interest margin | 3.6005% | 3,354 |
| Noninterest income to average assets | 0.1514% | 6,290 |
| Noninterest expense to average assets | 2.3520% | 5,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8574% | 3,008 |
| Return on assets (ROA) | 0.8574% | 3,154 |
| Pretax return on assets | 1.2445% | 2,500 |
| Return on Equity (ROE) | 5.0309% | 4,718 |
| Retained earnings to average equity (ytd only) | 5.0309% | 3,040 |
| Net charge-offs to loans | 0.6251% | 1,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.4755% | 3,699 |
| Efficiency ratio | 65.3974% | 4,652 |
| Assets per employee ($millions) | 4.8867% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,425 |
| Loan loss allowance to noncurrent loans | 30.4174% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 4.3753% | 760 |
| Noncurrent loans to loans | 4.3250% | 835 |
| Net loans and leases to total assets | 79.7257% | 561 |
| Net loans and leases to deposits | 108.3991% | 173 |
| Net loans and leases to core deposits | 114.9423% | 419 |
| Total domestic deposits to total assets | 73.5483% | 6,470 |
| Equity capital to assets | 17.6680% | 348 |
| Core capital (leverage) ratio | 17.6680% | 309 |
| Tier 1 risk-based capital ratio | 30.1029% | 514 |
| Total risk-based capital ratio | 31.3596% | 510 |
| Memoranda: | ||
| Average total assets | $235,116,670 | 2,698 |
| Average earning assets | $224,968,000 | 2,587 |
| Average equity | $40,072,670 | 1,756 |
| Average total loans | $189,075,000 | 2,108 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 2,046 |
| Cost of funding earning assets | 0.9841% | 670 |
| Net interest margin | 3.5497% | 3,479 |
| Noninterest income to average assets | 0.1850% | 6,149 |
| Noninterest expense to average assets | 2.3075% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8359% | 2,973 |
| Return on assets (ROA) | 0.8359% | 3,119 |
| Pretax return on assets | 1.2748% | 2,311 |
| Return on Equity (ROE) | 4.9925% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.9925% | 3,241 |
| Net charge-offs to loans | 0.2117% | 2,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.5050% | 2,060 |
| Efficiency ratio | 64.4131% | 4,937 |
| Assets per employee ($millions) | 5.0880% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 3,622 |
| Loan loss allowance to noncurrent loans | 39.9264% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 4.0258% | 985 |
| Noncurrent loans to loans | 3.8790% | 1,179 |
| Net loans and leases to total assets | 77.9137% | 620 |
| Net loans and leases to deposits | 110.0435% | 128 |
| Net loans and leases to core deposits | 116.6630% | 335 |
| Total domestic deposits to total assets | 70.8027% | 6,722 |
| Equity capital to assets | 16.7554% | 455 |
| Core capital (leverage) ratio | 16.7554% | 377 |
| Tier 1 risk-based capital ratio | 28.9802% | 583 |
| Total risk-based capital ratio | 30.2401% | 575 |
| Memoranda: | ||
| Average total assets | $237,837,500 | 2,697 |
| Average earning assets | $227,627,000 | 2,591 |
| Average equity | $39,819,500 | 1,787 |
| Average total loans | $190,837,000 | 2,101 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 2,542 |
| Cost of funding earning assets | 1.1060% | 890 |
| Net interest margin | 3.6075% | 4,051 |
| Noninterest income to average assets | 0.1105% | 6,466 |
| Noninterest expense to average assets | 2.1890% | 5,944 |
| Loan and lease loss provision to assets | 0.5024% | 1,182 |
| Net operating income to assets | 0.6488% | 3,993 |
| Return on assets (ROA) | 0.6488% | 4,256 |
| Pretax return on assets | 0.8541% | 4,086 |
| Return on Equity (ROE) | 4.0445% | 5,120 |
| Retained earnings to average equity (ytd only) | 4.0445% | 3,371 |
| Net charge-offs to loans | 0.8254% | 1,411 |
| Credit loss provision to net charge-offs | 73.2207% | 4,062 |
| Earnings coverage of net charge-offs (x) | 1.9771% | 4,426 |
| Efficiency ratio | 61.7414% | 5,276 |
| Assets per employee ($millions) | 5.2564% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 3,415 |
| Loan loss allowance to noncurrent loans | 39.4586% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 4.1634% | 1,015 |
| Noncurrent loans to loans | 3.9933% | 1,178 |
| Net loans and leases to total assets | 80.0676% | 468 |
| Net loans and leases to deposits | 113.0888% | 124 |
| Net loans and leases to core deposits | 119.3705% | 293 |
| Total domestic deposits to total assets | 70.8007% | 6,757 |
| Equity capital to assets | 16.7291% | 446 |
| Core capital (leverage) ratio | 16.7291% | 377 |
| Tier 1 risk-based capital ratio | 28.4391% | 595 |
| Total risk-based capital ratio | 29.7004% | 580 |
| Memoranda: | ||
| Average total assets | $241,658,800 | 2,618 |
| Average earning assets | $230,105,000 | 2,508 |
| Average equity | $38,768,800 | 1,792 |
| Average total loans | $200,875,800 | 2,001 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 2,532 |
| Cost of funding earning assets | 1.1344% | 929 |
| Net interest margin | 3.6275% | 4,115 |
| Noninterest income to average assets | 0.0955% | 6,635 |
| Noninterest expense to average assets | 2.1283% | 6,110 |
| Loan and lease loss provision to assets | 0.5839% | 969 |
| Net operating income to assets | 0.6180% | 4,307 |
| Return on assets (ROA) | 0.6180% | 4,564 |
| Pretax return on assets | 0.8337% | 4,369 |
| Return on Equity (ROE) | 3.8926% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.8926% | 4,149 |
| Net charge-offs to loans | 0.8926% | 1,225 |
| Credit loss provision to net charge-offs | 78.2929% | 3,670 |
| Earnings coverage of net charge-offs (x) | 1.9007% | 4,311 |
| Efficiency ratio | 60.0217% | 5,494 |
| Assets per employee ($millions) | 5.5200% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 3,448 |
| Loan loss allowance to noncurrent loans | 38.8116% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 4.3820% | 1,063 |
| Noncurrent loans to loans | 4.1725% | 1,194 |
| Net loans and leases to total assets | 81.4147% | 391 |
| Net loans and leases to deposits | 114.6861% | 103 |
| Net loans and leases to core deposits | 120.4851% | 298 |
| Total domestic deposits to total assets | 70.9892% | 6,795 |
| Equity capital to assets | 16.4855% | 528 |
| Core capital (leverage) ratio | 16.4855% | 428 |
| Tier 1 risk-based capital ratio | 27.6287% | 694 |
| Total risk-based capital ratio | 28.8912% | 676 |
| Memoranda: | ||
| Average total assets | $242,938,500 | 2,624 |
| Average earning assets | $231,080,750 | 2,512 |
| Average equity | $38,568,250 | 1,821 |
| Average total loans | $202,988,750 | 2,004 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 2,464 |
| Cost of funding earning assets | 1.1726% | 929 |
| Net interest margin | 3.6373% | 4,093 |
| Noninterest income to average assets | 0.0874% | 6,728 |
| Noninterest expense to average assets | 2.1373% | 6,165 |
| Loan and lease loss provision to assets | 0.5074% | 1,238 |
| Net operating income to assets | 0.5458% | 4,599 |
| Return on assets (ROA) | 0.5458% | 4,883 |
| Pretax return on assets | 0.8971% | 4,088 |
| Return on Equity (ROE) | 3.4809% | 5,489 |
| Retained earnings to average equity (ytd only) | 3.4809% | 4,277 |
| Net charge-offs to loans | 1.1259% | 962 |
| Credit loss provision to net charge-offs | 53.7662% | 3,960 |
| Earnings coverage of net charge-offs (x) | 1.4883% | 4,248 |
| Efficiency ratio | 60.3460% | 5,522 |
| Assets per employee ($millions) | 5.5823% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 4,195 |
| Loan loss allowance to noncurrent loans | 45.8327% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 3.7123% | 1,403 |
| Noncurrent loans to loans | 3.1908% | 1,823 |
| Net loans and leases to total assets | 82.5837% | 302 |
| Net loans and leases to deposits | 115.5985% | 92 |
| Net loans and leases to core deposits | 121.2078% | 291 |
| Total domestic deposits to total assets | 71.4401% | 6,834 |
| Equity capital to assets | 16.1103% | 558 |
| Core capital (leverage) ratio | 16.1103% | 443 |
| Tier 1 risk-based capital ratio | 26.5769% | 763 |
| Total risk-based capital ratio | 27.8367% | 754 |
| Memoranda: | ||
| Average total assets | $244,798,000 | 2,601 |
| Average earning assets | $232,482,000 | 2,499 |
| Average equity | $38,381,000 | 1,820 |
| Average total loans | $205,176,000 | 1,979 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 796 |
| Cost of funding earning assets | 1.2241% | 877 |
| Net interest margin | 4.2459% | 1,620 |
| Noninterest income to average assets | 0.1036% | 6,725 |
| Noninterest expense to average assets | 2.1442% | 6,165 |
| Loan and lease loss provision to assets | 0.8091% | 601 |
| Net operating income to assets | 0.7525% | 3,612 |
| Return on assets (ROA) | 0.7525% | 3,846 |
| Pretax return on assets | 1.1749% | 3,008 |
| Return on Equity (ROE) | 4.8645% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.8645% | 3,637 |
| Net charge-offs to loans | 1.0812% | 956 |
| Credit loss provision to net charge-offs | 89.2857% | 2,558 |
| Earnings coverage of net charge-offs (x) | 2.1893% | 3,288 |
| Efficiency ratio | 51.9404% | 6,548 |
| Assets per employee ($millions) | 5.7217% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 3,469 |
| Loan loss allowance to noncurrent loans | 43.8793% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 4.5303% | 1,176 |
| Noncurrent loans to loans | 3.8037% | 1,625 |
| Net loans and leases to total assets | 81.7984% | 286 |
| Net loans and leases to deposits | 113.0840% | 103 |
| Net loans and leases to core deposits | 122.9847% | 269 |
| Total domestic deposits to total assets | 72.3342% | 6,861 |
| Equity capital to assets | 15.6357% | 634 |
| Core capital (leverage) ratio | 15.6357% | 509 |
| Tier 1 risk-based capital ratio | 26.3191% | 781 |
| Total risk-based capital ratio | 27.5827% | 766 |
| Memoranda: | ||
| Average total assets | $247,177,500 | 2,586 |
| Average earning assets | $234,297,500 | 2,496 |
| Average equity | $38,236,000 | 1,820 |
| Average total loans | $207,176,500 | 1,964 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 2,979 |
| Cost of funding earning assets | 1.6950% | 326 |
| Net interest margin | 3.2837% | 5,861 |
| Noninterest income to average assets | -0.6307% | 7,282 |
| Noninterest expense to average assets | 1.9678% | 6,736 |
| Loan and lease loss provision to assets | 0.6474% | 1,572 |
| Net operating income to assets | -0.2717% | 6,318 |
| Return on assets (ROA) | -0.2717% | 6,377 |
| Pretax return on assets | -0.1525% | 6,247 |
| Return on Equity (ROE) | -1.8347% | 6,323 |
| Retained earnings to average equity (ytd only) | -1.8347% | 6,138 |
| Net charge-offs to loans | 0.3760% | 3,529 |
| Credit loss provision to net charge-offs | 206.1805% | 1,207 |
| Earnings coverage of net charge-offs (x) | 1.5760% | 4,591 |
| Efficiency ratio | 79.9054% | 2,314 |
| Assets per employee ($millions) | 5.5183% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 3,344 |
| Loan loss allowance to noncurrent loans | 37.4327% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 4.6234% | 1,183 |
| Noncurrent loans to loans | 4.4285% | 1,356 |
| Net loans and leases to total assets | 83.0414% | 273 |
| Net loans and leases to deposits | 114.1628% | 118 |
| Net loans and leases to core deposits | 124.7912% | 290 |
| Total domestic deposits to total assets | 72.7394% | 6,833 |
| Equity capital to assets | 15.3039% | 719 |
| Core capital (leverage) ratio | 15.2261% | 571 |
| Tier 1 risk-based capital ratio | 25.2151% | 850 |
| Total risk-based capital ratio | 26.4785% | 828 |
| Memoranda: | ||
| Average total assets | $257,647,600 | 2,453 |
| Average earning assets | $242,716,000 | 2,373 |
| Average equity | $38,154,200 | 1,768 |
| Average total loans | $215,173,000 | 1,911 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 3,090 |
| Cost of funding earning assets | 1.8127% | 247 |
| Net interest margin | 3.1864% | 6,193 |
| Noninterest income to average assets | -0.6975% | 7,380 |
| Noninterest expense to average assets | 1.9683% | 6,757 |
| Loan and lease loss provision to assets | 0.7016% | 1,370 |
| Net operating income to assets | -0.5144% | 6,645 |
| Return on assets (ROA) | -0.5144% | 6,691 |
| Pretax return on assets | -0.3744% | 6,546 |
| Return on Equity (ROE) | -3.5015% | 6,597 |
| Retained earnings to average equity (ytd only) | -3.5015% | 6,472 |
| Net charge-offs to loans | 0.3417% | 3,390 |
| Credit loss provision to net charge-offs | 246.4865% | 1,165 |
| Earnings coverage of net charge-offs (x) | 1.1496% | 4,759 |
| Efficiency ratio | 85.7462% | 1,563 |
| Assets per employee ($millions) | 5.5441% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 3,637 |
| Loan loss allowance to noncurrent loans | 36.1938% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 4.7610% | 1,233 |
| Noncurrent loans to loans | 4.4363% | 1,455 |
| Net loans and leases to total assets | 84.2251% | 205 |
| Net loans and leases to deposits | 115.3630% | 115 |
| Net loans and leases to core deposits | 126.7181% | 280 |
| Total domestic deposits to total assets | 73.0088% | 6,857 |
| Equity capital to assets | 15.1111% | 827 |
| Core capital (leverage) ratio | 15.1111% | 643 |
| Tier 1 risk-based capital ratio | 24.0397% | 1,006 |
| Total risk-based capital ratio | 25.1518% | 1,005 |
| Memoranda: | ||
| Average total assets | $259,979,000 | 2,434 |
| Average earning assets | $244,201,500 | 2,365 |
| Average equity | $38,192,000 | 1,766 |
| Average total loans | $216,544,750 | 1,910 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 3,047 |
| Cost of funding earning assets | 1.8656% | 245 |
| Net interest margin | 3.1577% | 6,269 |
| Noninterest income to average assets | -0.8600% | 7,466 |
| Noninterest expense to average assets | 2.0009% | 6,789 |
| Loan and lease loss provision to assets | 1.0384% | 820 |
| Net operating income to assets | -1.0665% | 6,962 |
| Return on assets (ROA) | -1.0665% | 6,973 |
| Pretax return on assets | -0.9405% | 6,878 |
| Return on Equity (ROE) | -7.3261% | 6,837 |
| Retained earnings to average equity (ytd only) | -7.3261% | 6,734 |
| Net charge-offs to loans | 0.4165% | 2,890 |
| Credit loss provision to net charge-offs | 301.9868% | 1,002 |
| Earnings coverage of net charge-offs (x) | 0.2848% | 5,096 |
| Efficiency ratio | 95.3345% | 910 |
| Assets per employee ($millions) | 5.7567% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 3,544 |
| Loan loss allowance to noncurrent loans | 35.8594% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 5.5668% | 1,056 |
| Noncurrent loans to loans | 4.5668% | 1,442 |
| Net loans and leases to total assets | 81.8469% | 381 |
| Net loans and leases to deposits | 113.8682% | 127 |
| Net loans and leases to core deposits | 124.7403% | 331 |
| Total domestic deposits to total assets | 71.8786% | 7,012 |
| Equity capital to assets | 14.3979% | 970 |
| Core capital (leverage) ratio | 14.3956% | 785 |
| Tier 1 risk-based capital ratio | 23.0784% | 1,105 |
| Total risk-based capital ratio | 24.3397% | 1,087 |
| Memoranda: | ||
| Average total assets | $263,477,000 | 2,421 |
| Average earning assets | $246,890,000 | 2,358 |
| Average equity | $38,356,000 | 1,748 |
| Average total loans | $217,540,330 | 1,923 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 2,637 |
| Cost of funding earning assets | 1.9276% | 222 |
| Net interest margin | 3.1746% | 6,153 |
| Noninterest income to average assets | 0.0738% | 7,018 |
| Noninterest expense to average assets | 1.9602% | 6,893 |
| Loan and lease loss provision to assets | 0.2394% | 3,277 |
| Net operating income to assets | 0.5480% | 4,277 |
| Return on assets (ROA) | 0.5480% | 4,361 |
| Pretax return on assets | 0.8446% | 3,724 |
| Return on Equity (ROE) | 3.7444% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.7444% | 3,925 |
| Net charge-offs to loans | 0.7340% | 1,750 |
| Credit loss provision to net charge-offs | 39.6509% | 3,955 |
| Earnings coverage of net charge-offs (x) | 1.7955% | 3,405 |
| Efficiency ratio | 64.3917% | 5,298 |
| Assets per employee ($millions) | 5.9230% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 6,058 |
| Loan loss allowance to noncurrent loans | 24.6728% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 5.8326% | 1,012 |
| Noncurrent loans to loans | 4.4459% | 1,579 |
| Net loans and leases to total assets | 80.3404% | 483 |
| Net loans and leases to deposits | 114.6479% | 126 |
| Net loans and leases to core deposits | 125.7019% | 317 |
| Total domestic deposits to total assets | 70.0758% | 7,175 |
| Equity capital to assets | 14.6573% | 836 |
| Core capital (leverage) ratio | 14.6550% | 718 |
| Tier 1 risk-based capital ratio | 23.6418% | 1,007 |
| Total risk-based capital ratio | 24.8947% | 986 |
| Memoranda: | ||
| Average total assets | $265,689,500 | 2,424 |
| Average earning assets | $248,595,000 | 2,362 |
| Average equity | $38,885,000 | 1,709 |
| Average total loans | $218,532,500 | 1,937 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5654% | 2,030 |
| Cost of funding earning assets | 2.2237% | 282 |
| Net interest margin | 3.3417% | 5,828 |
| Noninterest income to average assets | -0.1417% | 7,429 |
| Noninterest expense to average assets | 1.8378% | 7,228 |
| Loan and lease loss provision to assets | 0.3668% | 3,917 |
| Net operating income to assets | 0.5719% | 3,794 |
| Return on assets (ROA) | 0.5722% | 3,954 |
| Pretax return on assets | 0.7697% | 3,726 |
| Return on Equity (ROE) | 4.0655% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.0655% | 3,015 |
| Net charge-offs to loans | 0.9501% | 2,284 |
| Credit loss provision to net charge-offs | 46.1394% | 6,313 |
| Earnings coverage of net charge-offs (x) | 1.4291% | 4,686 |
| Efficiency ratio | 61.7963% | 5,763 |
| Assets per employee ($millions) | 6.0191% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,582 |
| Loan loss allowance to noncurrent loans | 24.3578% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 6.2426% | 925 |
| Noncurrent loans to loans | 4.8714% | 1,413 |
| Net loans and leases to total assets | 82.2891% | 427 |
| Net loans and leases to deposits | 117.2449% | 136 |
| Net loans and leases to core deposits | 130.6085% | 322 |
| Total domestic deposits to total assets | 70.1856% | 7,227 |
| Equity capital to assets | 14.6136% | 881 |
| Core capital (leverage) ratio | 14.6114% | 730 |
| Tier 1 risk-based capital ratio | 23.1664% | 1,016 |
| Total risk-based capital ratio | 24.4200% | 995 |
| Memoranda: | ||
| Average total assets | $268,798,000 | 2,372 |
| Average earning assets | $250,618,600 | 2,338 |
| Average equity | $37,830,200 | 1,738 |
| Average total loans | $224,917,000 | 1,937 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6857% | 1,760 |
| Cost of funding earning assets | 2.2827% | 291 |
| Net interest margin | 3.4030% | 5,672 |
| Noninterest income to average assets | -0.0707% | 7,516 |
| Noninterest expense to average assets | 2.0381% | 6,983 |
| Loan and lease loss provision to assets | 0.4626% | 3,163 |
| Net operating income to assets | 0.3506% | 4,964 |
| Return on assets (ROA) | 0.3509% | 5,135 |
| Pretax return on assets | 0.5980% | 4,601 |
| Return on Equity (ROE) | 2.5169% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.5169% | 4,658 |
| Net charge-offs to loans | 0.8979% | 2,205 |
| Credit loss provision to net charge-offs | 61.4980% | 5,652 |
| Earnings coverage of net charge-offs (x) | 1.4093% | 4,672 |
| Efficiency ratio | 65.7840% | 4,907 |
| Assets per employee ($millions) | 6.0164% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 4,324 |
| Loan loss allowance to noncurrent loans | 39.0669% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 5.4948% | 1,123 |
| Noncurrent loans to loans | 3.6529% | 2,139 |
| Net loans and leases to total assets | 83.0285% | 406 |
| Net loans and leases to deposits | 118.2979% | 132 |
| Net loans and leases to core deposits | 131.5218% | 357 |
| Total domestic deposits to total assets | 70.1860% | 7,265 |
| Equity capital to assets | 14.3079% | 1,083 |
| Core capital (leverage) ratio | 14.3056% | 858 |
| Tier 1 risk-based capital ratio | 22.7478% | 1,102 |
| Total risk-based capital ratio | 24.0063% | 1,069 |
| Memoranda: | ||
| Average total assets | $269,787,000 | 2,395 |
| Average earning assets | $251,220,500 | 2,362 |
| Average equity | $37,612,000 | 1,770 |
| Average total loans | $226,008,000 | 1,952 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8623% | 1,270 |
| Cost of funding earning assets | 2.3597% | 275 |
| Net interest margin | 3.5027% | 5,234 |
| Noninterest income to average assets | -0.0582% | 7,593 |
| Noninterest expense to average assets | 2.0864% | 6,949 |
| Loan and lease loss provision to assets | 0.2844% | 4,117 |
| Net operating income to assets | 0.5049% | 4,307 |
| Return on assets (ROA) | 0.5054% | 4,449 |
| Pretax return on assets | 0.8295% | 3,779 |
| Return on Equity (ROE) | 3.6563% | 4,937 |
| Retained earnings to average equity (ytd only) | 3.6563% | 3,772 |
| Net charge-offs to loans | 0.7251% | 2,408 |
| Credit loss provision to net charge-offs | 46.9016% | 5,484 |
| Earnings coverage of net charge-offs (x) | 1.8360% | 4,147 |
| Efficiency ratio | 65.2084% | 5,117 |
| Assets per employee ($millions) | 5.8967% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 4,008 |
| Loan loss allowance to noncurrent loans | 57.7096% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 4.6500% | 1,404 |
| Noncurrent loans to loans | 2.5678% | 3,078 |
| Net loans and leases to total assets | 83.4568% | 398 |
| Net loans and leases to deposits | 118.5741% | 147 |
| Net loans and leases to core deposits | 130.8689% | 408 |
| Total domestic deposits to total assets | 70.3836% | 7,303 |
| Equity capital to assets | 14.2648% | 1,084 |
| Core capital (leverage) ratio | 14.2625% | 860 |
| Tier 1 risk-based capital ratio | 22.7445% | 1,096 |
| Total risk-based capital ratio | 24.0036% | 1,077 |
| Memoranda: | ||
| Average total assets | $271,475,670 | 2,406 |
| Average earning assets | $252,494,330 | 2,370 |
| Average equity | $37,524,000 | 1,773 |
| Average total loans | $227,018,670 | 1,965 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9412% | 1,102 |
| Cost of funding earning assets | 2.3605% | 347 |
| Net interest margin | 3.5807% | 4,810 |
| Noninterest income to average assets | -0.0860% | 7,742 |
| Noninterest expense to average assets | 2.0631% | 7,030 |
| Loan and lease loss provision to assets | 0.1457% | 5,092 |
| Net operating income to assets | 0.5682% | 4,041 |
| Return on assets (ROA) | 0.5682% | 4,184 |
| Pretax return on assets | 1.0359% | 2,951 |
| Return on Equity (ROE) | 4.1756% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.1756% | 3,641 |
| Net charge-offs to loans | 0.7908% | 1,943 |
| Credit loss provision to net charge-offs | 22.1729% | 4,923 |
| Earnings coverage of net charge-offs (x) | 1.7982% | 3,661 |
| Efficiency ratio | 63.5833% | 5,570 |
| Assets per employee ($millions) | 6.1102% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,853 |
| Loan loss allowance to noncurrent loans | 60.3071% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 4.4105% | 1,540 |
| Noncurrent loans to loans | 2.5058% | 3,170 |
| Net loans and leases to total assets | 80.9929% | 715 |
| Net loans and leases to deposits | 119.4411% | 145 |
| Net loans and leases to core deposits | 131.0173% | 467 |
| Total domestic deposits to total assets | 67.8099% | 7,536 |
| Equity capital to assets | 13.6587% | 1,264 |
| Core capital (leverage) ratio | 13.6565% | 1,040 |
| Tier 1 risk-based capital ratio | 22.0697% | 1,194 |
| Total risk-based capital ratio | 23.3293% | 1,174 |
| Memoranda: | ||
| Average total assets | $274,537,000 | 2,434 |
| Average earning assets | $255,367,500 | 2,396 |
| Average equity | $37,360,000 | 1,799 |
| Average total loans | $228,135,000 | 2,008 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5195% | 645 |
| Cost of funding earning assets | 2.6431% | 683 |
| Net interest margin | 3.8764% | 3,368 |
| Noninterest income to average assets | 0.0627% | 7,445 |
| Noninterest expense to average assets | 2.0801% | 7,227 |
| Loan and lease loss provision to assets | 0.3844% | 4,486 |
| Net operating income to assets | 0.7427% | 2,760 |
| Return on assets (ROA) | 0.7427% | 2,847 |
| Pretax return on assets | 1.2652% | 1,793 |
| Return on Equity (ROE) | 5.5938% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.5938% | 1,529 |
| Net charge-offs to loans | 0.1046% | 6,096 |
| Credit loss provision to net charge-offs | 424.6964% | 738 |
| Earnings coverage of net charge-offs (x) | 18.2267% | 1,139 |
| Efficiency ratio | 55.7717% | 7,048 |
| Assets per employee ($millions) | 6.0914% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 3,137 |
| Loan loss allowance to noncurrent loans | 72.3502% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 4.3934% | 1,474 |
| Noncurrent loans to loans | 2.2628% | 3,324 |
| Net loans and leases to total assets | 82.5886% | 595 |
| Net loans and leases to deposits | 121.4835% | 158 |
| Net loans and leases to core deposits | 213.7844% | 73 |
| Total domestic deposits to total assets | 67.9834% | 7,550 |
| Equity capital to assets | 13.5579% | 1,296 |
| Core capital (leverage) ratio | 13.5560% | 1,083 |
| Tier 1 risk-based capital ratio | 21.4456% | 1,226 |
| Total risk-based capital ratio | 22.7073% | 1,194 |
| Memoranda: | ||
| Average total assets | $272,917,600 | 2,399 |
| Average earning assets | $258,179,200 | 2,342 |
| Average equity | $36,236,400 | 1,858 |
| Average total loans | $236,248,800 | 1,984 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7090% | 503 |
| Cost of funding earning assets | 2.7035% | 781 |
| Net interest margin | 4.0056% | 2,790 |
| Noninterest income to average assets | 0.0919% | 7,444 |
| Noninterest expense to average assets | 2.1412% | 7,114 |
| Loan and lease loss provision to assets | 0.4030% | 3,901 |
| Net operating income to assets | 0.8133% | 2,749 |
| Return on assets (ROA) | 0.8133% | 2,816 |
| Pretax return on assets | 1.3542% | 1,815 |
| Return on Equity (ROE) | 6.1583% | 3,460 |
| Retained earnings to average equity (ytd only) | 6.1583% | 1,872 |
| Net charge-offs to loans | 0.1206% | 5,492 |
| Credit loss provision to net charge-offs | 383.2558% | 1,053 |
| Earnings coverage of net charge-offs (x) | 16.7116% | 1,455 |
| Efficiency ratio | 54.9241% | 7,125 |
| Assets per employee ($millions) | 6.2841% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 3,432 |
| Loan loss allowance to noncurrent loans | 136.5025% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.9320% | 3,452 |
| Noncurrent loans to loans | 1.0996% | 5,115 |
| Net loans and leases to total assets | 84.8463% | 447 |
| Net loans and leases to deposits | 127.9491% | 120 |
| Net loans and leases to core deposits | 185.7770% | 154 |
| Total domestic deposits to total assets | 66.3126% | 7,667 |
| Equity capital to assets | 13.3095% | 1,569 |
| Core capital (leverage) ratio | 13.3073% | 1,290 |
| Tier 1 risk-based capital ratio | 21.0148% | 1,364 |
| Total risk-based capital ratio | 22.2748% | 1,347 |
| Memoranda: | ||
| Average total assets | $272,618,500 | 2,405 |
| Average earning assets | $259,066,750 | 2,348 |
| Average equity | $36,004,500 | 1,891 |
| Average total loans | $237,772,250 | 1,998 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8545% | 410 |
| Cost of funding earning assets | 2.7974% | 795 |
| Net interest margin | 4.0571% | 2,478 |
| Noninterest income to average assets | 0.1113% | 7,426 |
| Noninterest expense to average assets | 2.1495% | 7,174 |
| Loan and lease loss provision to assets | 0.3332% | 3,940 |
| Net operating income to assets | 0.8993% | 2,462 |
| Return on assets (ROA) | 0.8993% | 2,566 |
| Pretax return on assets | 1.4816% | 1,498 |
| Return on Equity (ROE) | 6.8273% | 3,275 |
| Retained earnings to average equity (ytd only) | 6.8273% | 1,652 |
| Net charge-offs to loans | 0.0303% | 6,038 |
| Credit loss provision to net charge-offs | 1,255.5556% | 393 |
| Earnings coverage of net charge-offs (x) | 68.3889% | 540 |
| Efficiency ratio | 54.2209% | 7,308 |
| Assets per employee ($millions) | 6.0987% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 3,588 |
| Loan loss allowance to noncurrent loans | 145.8869% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 1.9669% | 3,237 |
| Noncurrent loans to loans | 0.9786% | 5,254 |
| Net loans and leases to total assets | 85.6625% | 417 |
| Net loans and leases to deposits | 129.2336% | 127 |
| Net loans and leases to core deposits | 186.1276% | 175 |
| Total domestic deposits to total assets | 66.2850% | 7,721 |
| Equity capital to assets | 13.2476% | 1,583 |
| Core capital (leverage) ratio | 13.2457% | 1,350 |
| Tier 1 risk-based capital ratio | 20.7662% | 1,436 |
| Total risk-based capital ratio | 22.0247% | 1,397 |
| Memoranda: | ||
| Average total assets | $271,324,330 | 2,434 |
| Average earning assets | $257,668,670 | 2,375 |
| Average equity | $35,739,000 | 1,905 |
| Average total loans | $237,637,670 | 2,024 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9064% | 402 |
| Cost of funding earning assets | 2.8970% | 773 |
| Net interest margin | 4.0094% | 2,608 |
| Noninterest income to average assets | 0.1186% | 7,430 |
| Noninterest expense to average assets | 2.4703% | 5,957 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8689% | 2,845 |
| Return on assets (ROA) | 0.8689% | 2,992 |
| Pretax return on assets | 1.4590% | 1,786 |
| Return on Equity (ROE) | 6.6159% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.6159% | 2,370 |
| Net charge-offs to loans | 0.0523% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 31.7419% | 1,015 |
| Efficiency ratio | 62.8679% | 5,902 |
| Assets per employee ($millions) | 6.1107% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 4,565 |
| Loan loss allowance to noncurrent loans | 79.9726% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 2.5191% | 2,277 |
| Noncurrent loans to loans | 1.5425% | 3,967 |
| Net loans and leases to total assets | 87.0435% | 335 |
| Net loans and leases to deposits | 132.1668% | 131 |
| Net loans and leases to core deposits | 189.1604% | 185 |
| Total domestic deposits to total assets | 65.8588% | 7,741 |
| Equity capital to assets | 13.2868% | 1,624 |
| Core capital (leverage) ratio | 13.2848% | 1,388 |
| Tier 1 risk-based capital ratio | 20.5770% | 1,509 |
| Total risk-based capital ratio | 21.8323% | 1,482 |
| Memoranda: | ||
| Average total assets | $269,765,500 | 2,464 |
| Average earning assets | $256,399,500 | 2,400 |
| Average equity | $35,430,000 | 1,930 |
| Average total loans | $237,207,000 | 2,047 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3470% | 546 |
| Cost of funding earning assets | 3.4548% | 593 |
| Net interest margin | 3.8922% | 3,596 |
| Noninterest income to average assets | 0.1626% | 7,260 |
| Noninterest expense to average assets | 2.0344% | 7,381 |
| Loan and lease loss provision to assets | 0.2719% | 4,220 |
| Net operating income to assets | 0.9411% | 2,827 |
| Return on assets (ROA) | 0.9411% | 2,694 |
| Pretax return on assets | 1.5718% | 1,470 |
| Return on Equity (ROE) | 7.5028% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.5028% | 985 |
| Net charge-offs to loans | 0.0550% | 5,995 |
| Credit loss provision to net charge-offs | 553.3835% | 796 |
| Earnings coverage of net charge-offs (x) | 37.5188% | 987 |
| Efficiency ratio | 52.4581% | 7,437 |
| Assets per employee ($millions) | 6.1514% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 4,204 |
| Loan loss allowance to noncurrent loans | 55.9046% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 3.0126% | 1,524 |
| Noncurrent loans to loans | 2.2252% | 2,475 |
| Net loans and leases to total assets | 86.6409% | 518 |
| Net loans and leases to deposits | 134.3785% | 160 |
| Net loans and leases to core deposits | 192.5415% | 201 |
| Total domestic deposits to total assets | 64.4752% | 7,758 |
| Equity capital to assets | 12.9815% | 1,797 |
| Core capital (leverage) ratio | 12.9801% | 1,546 |
| Tier 1 risk-based capital ratio | 20.2287% | 1,580 |
| Total risk-based capital ratio | 21.4845% | 1,547 |
| Memoranda: | ||
| Average total assets | $270,651,400 | 2,376 |
| Average earning assets | $258,364,600 | 2,303 |
| Average equity | $33,947,400 | 1,996 |
| Average total loans | $241,845,400 | 1,955 |