Home > Commercial Banking Company > Performance and Condition Ratios
Commercial Banking Company, 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 | 6.2361% | 901 |
| Cost of funding earning assets | 1.3003% | 3,594 |
| Net interest margin | 4.9358% | 333 |
| Noninterest income to average assets | 0.7600% | 885 |
| Noninterest expense to average assets | 3.1781% | 902 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.6197% | 874 |
| Return on assets (ROA) | 1.6197% | 869 |
| Pretax return on assets | 2.0654% | 615 |
| Return on Equity (ROE) | 17.0300% | 752 |
| Retained earnings to average equity (ytd only) | 17.0251% | 272 |
| Net charge-offs to loans | 0.0049% | 2,080 |
| Credit loss provision to net charge-offs | 1,500.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 622.0000% | 155 |
| Efficiency ratio | 60.0257% | 2,966 |
| Assets per employee ($millions) | 5.2292% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,172 |
| Loan loss allowance to noncurrent loans | 2,114.7929% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,349 |
| Noncurrent loans to loans | 0.0682% | 3,335 |
| Net loans and leases to total assets | 67.7100% | 2,114 |
| Net loans and leases to deposits | 75.7742% | 2,419 |
| Net loans and leases to core deposits | 85.7668% | 2,341 |
| Total domestic deposits to total assets | 89.3600% | 1,037 |
| Equity capital to assets | 9.5505% | 2,529 |
| Core capital (leverage) ratio | 10.7608% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7403% | 921 |
| Memoranda: | ||
| Average total assets | $352,660,000 | 2,248 |
| Average earning assets | $323,919,000 | 2,260 |
| Average equity | $33,550,500 | 2,286 |
| Average total loans | $243,153,000 | 2,151 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1681% | 1,078 |
| Cost of funding earning assets | 1.1681% | 3,854 |
| Net interest margin | 5.0000% | 332 |
| Noninterest income to average assets | 0.7000% | 1,176 |
| Noninterest expense to average assets | 3.2591% | 814 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.6395% | 729 |
| Return on assets (ROA) | 1.6395% | 720 |
| Pretax return on assets | 2.0244% | 579 |
| Return on Equity (ROE) | 17.3600% | 633 |
| Retained earnings to average equity (ytd only) | 2.3838% | 3,260 |
| Net charge-offs to loans | -0.0009% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 61.2905% | 3,021 |
| Assets per employee ($millions) | 4.9928% | 3,644 |
| Cash dividends to net income (ytd only)* | 86.2664% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,066 |
| Loan loss allowance to noncurrent loans | 3,718.9474% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,504 |
| Noncurrent loans to loans | 0.0398% | 3,468 |
| Net loans and leases to total assets | 68.1800% | 2,117 |
| Net loans and leases to deposits | 76.1523% | 2,448 |
| Net loans and leases to core deposits | 86.2797% | 2,372 |
| Total domestic deposits to total assets | 89.5400% | 966 |
| Equity capital to assets | 9.4748% | 2,476 |
| Core capital (leverage) ratio | 9.7660% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7793% | 921 |
| Memoranda: | ||
| Average total assets | $353,533,000 | 2,222 |
| Average earning assets | $326,338,000 | 2,225 |
| Average equity | $33,392,200 | 2,242 |
| Average total loans | $229,025,600 | 2,194 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9820% | 1,274 |
| Cost of funding earning assets | 1.1049% | 3,931 |
| Net interest margin | 4.8771% | 393 |
| Noninterest income to average assets | 0.6800% | 1,209 |
| Noninterest expense to average assets | 3.1190% | 948 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.6440% | 759 |
| Return on assets (ROA) | 1.6440% | 759 |
| Pretax return on assets | 2.0446% | 601 |
| Return on Equity (ROE) | 17.4200% | 642 |
| Retained earnings to average equity (ytd only) | 7.4924% | 1,566 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.0115% | 3,162 |
| Assets per employee ($millions) | 5.5709% | 3,207 |
| Cash dividends to net income (ytd only)* | 56.9866% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,115 |
| Loan loss allowance to noncurrent loans | 2,365.5405% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,454 |
| Noncurrent loans to loans | 0.0624% | 3,389 |
| Net loans and leases to total assets | 63.5100% | 2,583 |
| Net loans and leases to deposits | 70.9028% | 2,910 |
| Net loans and leases to core deposits | 74.5477% | 3,153 |
| Total domestic deposits to total assets | 89.5700% | 719 |
| Equity capital to assets | 9.4201% | 2,728 |
| Core capital (leverage) ratio | 10.3704% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5105% | 856 |
| Memoranda: | ||
| Average total assets | $355,790,500 | 2,202 |
| Average earning assets | $329,559,000 | 2,208 |
| Average equity | $33,580,000 | 2,230 |
| Average total loans | $226,675,250 | 2,190 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9411% | 1,246 |
| Cost of funding earning assets | 0.9933% | 4,026 |
| Net interest margin | 4.9477% | 359 |
| Noninterest income to average assets | 0.6600% | 1,224 |
| Noninterest expense to average assets | 3.1294% | 919 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.6633% | 723 |
| Return on assets (ROA) | 1.6633% | 722 |
| Pretax return on assets | 2.0902% | 567 |
| Return on Equity (ROE) | 17.6100% | 649 |
| Retained earnings to average equity (ytd only) | 17.6117% | 182 |
| Net charge-offs to loans | -0.0009% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 59.5650% | 3,242 |
| Assets per employee ($millions) | 5.3735% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,034 |
| Loan loss allowance to noncurrent loans | 3,901.1236% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,563 |
| Noncurrent loans to loans | 0.0387% | 3,504 |
| Net loans and leases to total assets | 63.8300% | 2,576 |
| Net loans and leases to deposits | 71.4582% | 2,878 |
| Net loans and leases to core deposits | 74.7207% | 3,117 |
| Total domestic deposits to total assets | 89.3300% | 905 |
| Equity capital to assets | 9.7295% | 2,247 |
| Core capital (leverage) ratio | 11.0293% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3975% | 741 |
| Memoranda: | ||
| Average total assets | $351,827,333 | 2,206 |
| Average earning assets | $326,371,667 | 2,207 |
| Average equity | $33,228,000 | 2,213 |
| Average total loans | $223,228,667 | 2,196 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8369% | 1,274 |
| Cost of funding earning assets | 0.9247% | 4,072 |
| Net interest margin | 4.9122% | 370 |
| Noninterest income to average assets | 0.6300% | 1,253 |
| Noninterest expense to average assets | 3.0809% | 997 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.6461% | 718 |
| Return on assets (ROA) | 1.6461% | 732 |
| Pretax return on assets | 2.0798% | 570 |
| Return on Equity (ROE) | 17.7000% | 643 |
| Retained earnings to average equity (ytd only) | 17.6992% | 284 |
| Net charge-offs to loans | -0.0018% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 59.3056% | 3,323 |
| Assets per employee ($millions) | 5.3474% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 1,008 |
| Loan loss allowance to noncurrent loans | 21,512.5000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,809 |
| Noncurrent loans to loans | 0.0071% | 3,752 |
| Net loans and leases to total assets | 62.9900% | 2,563 |
| Net loans and leases to deposits | 70.0624% | 2,874 |
| Net loans and leases to core deposits | 72.9429% | 3,166 |
| Total domestic deposits to total assets | 89.9000% | 831 |
| Equity capital to assets | 9.3858% | 2,407 |
| Core capital (leverage) ratio | 10.6033% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9772% | 794 |
| Memoranda: | ||
| Average total assets | $350,414,500 | 2,208 |
| Average earning assets | $325,310,000 | 2,215 |
| Average equity | $32,589,000 | 2,249 |
| Average total loans | $219,911,500 | 2,218 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5298% | 1,122 |
| Cost of funding earning assets | 0.7165% | 3,907 |
| Net interest margin | 4.8134% | 411 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 3.0520% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6384% | 815 |
| Return on assets (ROA) | 1.6370% | 782 |
| Pretax return on assets | 2.0397% | 630 |
| Return on Equity (ROE) | 17.4100% | 901 |
| Retained earnings to average equity (ytd only) | -3.3197% | 4,343 |
| Net charge-offs to loans | 0.0154% | 2,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 219.6129% | 556 |
| Efficiency ratio | 59.9199% | 3,088 |
| Assets per employee ($millions) | 5.2712% | 3,417 |
| Cash dividends to net income (ytd only)* | 119.0694% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 850 |
| Loan loss allowance to noncurrent loans | 20,064.7059% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,777 |
| Noncurrent loans to loans | 0.0079% | 3,716 |
| Net loans and leases to total assets | 60.5500% | 2,801 |
| Net loans and leases to deposits | 67.0910% | 3,100 |
| Net loans and leases to core deposits | 69.2387% | 3,347 |
| Total domestic deposits to total assets | 90.2600% | 693 |
| Equity capital to assets | 9.2132% | 2,531 |
| Core capital (leverage) ratio | 10.2617% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2228% | 761 |
| Memoranda: | ||
| Average total assets | $333,481,600 | 2,256 |
| Average earning assets | $308,038,800 | 2,258 |
| Average equity | $31,358,400 | 2,207 |
| Average total loans | $201,516,600 | 2,277 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4117% | 1,120 |
| Cost of funding earning assets | 0.6427% | 3,893 |
| Net interest margin | 4.7690% | 427 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.9356% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6740% | 829 |
| Return on assets (ROA) | 1.6721% | 826 |
| Pretax return on assets | 2.1086% | 650 |
| Return on Equity (ROE) | 17.6900% | 987 |
| Retained earnings to average equity (ytd only) | 0.5857% | 4,033 |
| Net charge-offs to loans | -0.0027% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.1691% | 3,185 |
| Assets per employee ($millions) | 5.4039% | 3,262 |
| Cash dividends to net income (ytd only)* | 96.6884% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 813 |
| Loan loss allowance to noncurrent loans | 4,994.2029% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,628 |
| Noncurrent loans to loans | 0.0328% | 3,535 |
| Net loans and leases to total assets | 59.9000% | 2,858 |
| Net loans and leases to deposits | 66.3594% | 3,101 |
| Net loans and leases to core deposits | 68.2325% | 3,308 |
| Total domestic deposits to total assets | 90.2600% | 873 |
| Equity capital to assets | 8.9941% | 2,417 |
| Core capital (leverage) ratio | 11.0046% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9508% | 704 |
| Memoranda: | ||
| Average total assets | $329,876,500 | 2,269 |
| Average earning assets | $304,935,000 | 2,273 |
| Average equity | $31,184,750 | 2,201 |
| Average total loans | $198,376,250 | 2,298 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3197% | 1,057 |
| Cost of funding earning assets | 0.5965% | 3,760 |
| Net interest margin | 4.7232% | 441 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.9086% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6877% | 803 |
| Return on assets (ROA) | 1.6848% | 812 |
| Pretax return on assets | 2.1303% | 588 |
| Return on Equity (ROE) | 17.5200% | 1,018 |
| Retained earnings to average equity (ytd only) | -8.1125% | 4,487 |
| Net charge-offs to loans | -0.0062% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.6806% | 3,228 |
| Assets per employee ($millions) | 5.0511% | 3,555 |
| Cash dividends to net income (ytd only)* | 146.3058% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 734 |
| Loan loss allowance to noncurrent loans | 1,768.2051% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,168 |
| Noncurrent loans to loans | 0.0967% | 3,014 |
| Net loans and leases to total assets | 60.3700% | 2,740 |
| Net loans and leases to deposits | 67.1620% | 2,977 |
| Net loans and leases to core deposits | 68.9446% | 3,189 |
| Total domestic deposits to total assets | 89.8900% | 951 |
| Equity capital to assets | 9.4801% | 2,170 |
| Core capital (leverage) ratio | 10.4572% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9385% | 726 |
| Memoranda: | ||
| Average total assets | $324,552,333 | 2,305 |
| Average earning assets | $300,431,000 | 2,310 |
| Average equity | $31,211,000 | 2,212 |
| Average total loans | $194,299,667 | 2,324 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 1,313 |
| Cost of funding earning assets | 0.4960% | 3,699 |
| Net interest margin | 4.4598% | 618 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.7384% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5790% | 1,018 |
| Return on assets (ROA) | 1.5731% | 1,027 |
| Pretax return on assets | 2.0107% | 764 |
| Return on Equity (ROE) | 16.2400% | 1,308 |
| Retained earnings to average equity (ytd only) | -34.9523% | 4,648 |
| Net charge-offs to loans | -0.0126% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.5710% | 3,237 |
| Assets per employee ($millions) | 5.0613% | 3,615 |
| Cash dividends to net income (ytd only)* | 315.2088% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 655 |
| Loan loss allowance to noncurrent loans | 1,795.8333% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,192 |
| Noncurrent loans to loans | 0.1007% | 3,033 |
| Net loans and leases to total assets | 57.8100% | 2,888 |
| Net loans and leases to deposits | 64.0630% | 3,079 |
| Net loans and leases to core deposits | 65.7100% | 3,248 |
| Total domestic deposits to total assets | 90.2400% | 1,070 |
| Equity capital to assets | 9.3334% | 2,274 |
| Core capital (leverage) ratio | 10.5943% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4651% | 701 |
| Memoranda: | ||
| Average total assets | $322,668,500 | 2,347 |
| Average earning assets | $299,206,000 | 2,347 |
| Average equity | $31,254,000 | 2,239 |
| Average total loans | $190,615,500 | 2,368 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 2,080 |
| Cost of funding earning assets | 0.2377% | 3,434 |
| Net interest margin | 3.6268% | 1,569 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.5057% | 2,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2116% | 1,732 |
| Return on assets (ROA) | 1.2116% | 1,674 |
| Pretax return on assets | 1.5264% | 1,378 |
| Return on Equity (ROE) | 12.7200% | 1,900 |
| Retained earnings to average equity (ytd only) | 1.9402% | 3,990 |
| Net charge-offs to loans | -0.0288% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.1435% | 2,741 |
| Assets per employee ($millions) | 4.9448% | 3,718 |
| Cash dividends to net income (ytd only)* | 84.7458% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 650 |
| Loan loss allowance to noncurrent loans | 594.4732% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 2,287 |
| Noncurrent loans to loans | 0.3039% | 2,051 |
| Net loans and leases to total assets | 58.2000% | 2,805 |
| Net loans and leases to deposits | 64.9272% | 2,962 |
| Net loans and leases to core deposits | 66.3910% | 3,104 |
| Total domestic deposits to total assets | 89.6500% | 1,503 |
| Equity capital to assets | 10.0416% | 1,685 |
| Core capital (leverage) ratio | 10.7141% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8239% | 561 |
| Memoranda: | ||
| Average total assets | $340,863,600 | 2,258 |
| Average earning assets | $315,984,800 | 2,261 |
| Average equity | $32,471,600 | 2,222 |
| Average total loans | $183,960,200 | 2,341 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5002% | 2,619 |
| Cost of funding earning assets | 0.1422% | 3,921 |
| Net interest margin | 3.3580% | 2,111 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.3849% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1377% | 1,939 |
| Return on assets (ROA) | 1.1377% | 1,910 |
| Pretax return on assets | 1.4080% | 1,689 |
| Return on Equity (ROE) | 12.0900% | 2,005 |
| Retained earnings to average equity (ytd only) | -2.2549% | 4,501 |
| Net charge-offs to loans | -0.0336% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.8775% | 2,704 |
| Assets per employee ($millions) | 5.2948% | 3,425 |
| Cash dividends to net income (ytd only)* | 118.6441% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 680 |
| Loan loss allowance to noncurrent loans | 559.6091% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 2,407 |
| Noncurrent loans to loans | 0.3287% | 2,051 |
| Net loans and leases to total assets | 52.4600% | 3,240 |
| Net loans and leases to deposits | 57.7995% | 3,356 |
| Net loans and leases to core deposits | 58.9300% | 3,457 |
| Total domestic deposits to total assets | 90.7700% | 1,331 |
| Equity capital to assets | 8.7745% | 2,361 |
| Core capital (leverage) ratio | 10.4350% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4902% | 605 |
| Memoranda: | ||
| Average total assets | $345,726,000 | 2,257 |
| Average earning assets | $320,655,500 | 2,250 |
| Average equity | $32,520,750 | 2,251 |
| Average total loans | $182,320,750 | 2,358 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2359% | 2,934 |
| Cost of funding earning assets | 0.1370% | 3,748 |
| Net interest margin | 3.0989% | 2,540 |
| Noninterest income to average assets | 0.7135% | 1,286 |
| Noninterest expense to average assets | 2.3595% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0021% | 2,150 |
| Return on assets (ROA) | 1.0021% | 2,122 |
| Pretax return on assets | 1.2291% | 1,964 |
| Return on Equity (ROE) | 10.4164% | 2,187 |
| Retained earnings to average equity (ytd only) | -10.7061% | 4,673 |
| Net charge-offs to loans | -0.0442% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7499% | 2,544 |
| Assets per employee ($millions) | 5.2187% | 3,500 |
| Cash dividends to net income (ytd only)* | 202.7810% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 741 |
| Loan loss allowance to noncurrent loans | 533.4370% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 2,423 |
| Noncurrent loans to loans | 0.3467% | 2,111 |
| Net loans and leases to total assets | 52.8429% | 3,076 |
| Net loans and leases to deposits | 58.3377% | 3,192 |
| Net loans and leases to core deposits | 59.4296% | 3,311 |
| Total domestic deposits to total assets | 90.5811% | 1,424 |
| Equity capital to assets | 9.1170% | 2,305 |
| Core capital (leverage) ratio | 9.9467% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1589% | 613 |
| Memoranda: | ||
| Average total assets | $344,482,667 | 2,270 |
| Average earning assets | $319,599,333 | 2,273 |
| Average equity | $33,140,000 | 2,267 |
| Average total loans | $180,835,667 | 2,379 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0605% | 3,084 |
| Cost of funding earning assets | 0.1363% | 3,684 |
| Net interest margin | 2.9242% | 2,755 |
| Noninterest income to average assets | 0.6711% | 1,407 |
| Noninterest expense to average assets | 2.3547% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8592% | 2,455 |
| Return on assets (ROA) | 0.8592% | 2,446 |
| Pretax return on assets | 1.0322% | 2,345 |
| Return on Equity (ROE) | 8.7036% | 2,435 |
| Retained earnings to average equity (ytd only) | -32.4620% | 4,752 |
| Net charge-offs to loans | -0.0045% | 3,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5235% | 2,298 |
| Assets per employee ($millions) | 5.1381% | 3,636 |
| Cash dividends to net income (ytd only)* | 472.9730% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 724 |
| Loan loss allowance to noncurrent loans | 469.1563% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 2,347 |
| Noncurrent loans to loans | 0.4076% | 2,032 |
| Net loans and leases to total assets | 52.0900% | 2,979 |
| Net loans and leases to deposits | 57.7080% | 3,103 |
| Net loans and leases to core deposits | 58.8964% | 3,244 |
| Total domestic deposits to total assets | 90.2648% | 1,403 |
| Equity capital to assets | 9.5058% | 2,277 |
| Core capital (leverage) ratio | 9.6859% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4077% | 608 |
| Memoranda: | ||
| Average total assets | $344,507,000 | 2,279 |
| Average earning assets | $319,949,500 | 2,286 |
| Average equity | $34,009,000 | 2,285 |
| Average total loans | $178,534,000 | 2,391 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 2,277 |
| Cost of funding earning assets | 0.1994% | 3,468 |
| Net interest margin | 3.4415% | 1,902 |
| Noninterest income to average assets | 0.8013% | 1,440 |
| Noninterest expense to average assets | 2.4116% | 2,456 |
| Loan and lease loss provision to assets | 0.0156% | 2,767 |
| Net operating income to assets | 1.1927% | 1,946 |
| Return on assets (ROA) | 1.2008% | 1,970 |
| Pretax return on assets | 1.5456% | 1,587 |
| Return on Equity (ROE) | 10.7839% | 2,243 |
| Retained earnings to average equity (ytd only) | 2.3939% | 3,861 |
| Net charge-offs to loans | -0.0005% | 3,234 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8614% | 3,017 |
| Assets per employee ($millions) | 5.4622% | 3,295 |
| Cash dividends to net income (ytd only)* | 77.8008% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 746 |
| Loan loss allowance to noncurrent loans | 449.0066% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 2,501 |
| Noncurrent loans to loans | 0.4201% | 2,095 |
| Net loans and leases to total assets | 49.6617% | 3,326 |
| Net loans and leases to deposits | 55.4438% | 3,471 |
| Net loans and leases to core deposits | 56.7062% | 3,568 |
| Total domestic deposits to total assets | 89.5713% | 1,192 |
| Equity capital to assets | 10.2160% | 2,453 |
| Core capital (leverage) ratio | 10.7367% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2402% | 479 |
| Memoranda: | ||
| Average total assets | $321,111,000 | 2,340 |
| Average earning assets | $294,956,200 | 2,356 |
| Average equity | $35,757,000 | 2,253 |
| Average total loans | $185,403,800 | 2,340 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 2,297 |
| Cost of funding earning assets | 0.2172% | 3,449 |
| Net interest margin | 3.4744% | 1,944 |
| Noninterest income to average assets | 0.8619% | 1,341 |
| Noninterest expense to average assets | 2.4531% | 2,264 |
| Loan and lease loss provision to assets | 0.0214% | 2,565 |
| Net operating income to assets | 1.2695% | 1,922 |
| Return on assets (ROA) | 1.2799% | 1,946 |
| Pretax return on assets | 1.5793% | 1,765 |
| Return on Equity (ROE) | 11.2304% | 2,298 |
| Retained earnings to average equity (ytd only) | 0.0037% | 4,560 |
| Net charge-offs to loans | -0.0236% | 4,035 |
| Credit loss provision to net charge-offs | -151.5152% | 3,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7071% | 2,878 |
| Assets per employee ($millions) | 5.3099% | 3,395 |
| Cash dividends to net income (ytd only)* | 99.9667% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 836 |
| Loan loss allowance to noncurrent loans | 429.7739% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 2,553 |
| Noncurrent loans to loans | 0.4314% | 2,264 |
| Net loans and leases to total assets | 55.9079% | 2,732 |
| Net loans and leases to deposits | 63.2862% | 2,927 |
| Net loans and leases to core deposits | 65.0807% | 3,035 |
| Total domestic deposits to total assets | 88.3414% | 1,649 |
| Equity capital to assets | 10.9810% | 2,029 |
| Core capital (leverage) ratio | 11.1129% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7332% | 551 |
| Memoranda: | ||
| Average total assets | $312,628,750 | 2,400 |
| Average earning assets | $286,047,000 | 2,421 |
| Average equity | $35,628,500 | 2,290 |
| Average total loans | $186,827,500 | 2,365 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 2,303 |
| Cost of funding earning assets | 0.2384% | 3,396 |
| Net interest margin | 3.4709% | 1,943 |
| Noninterest income to average assets | 0.8767% | 1,340 |
| Noninterest expense to average assets | 2.4826% | 2,201 |
| Loan and lease loss provision to assets | 0.0324% | 2,335 |
| Net operating income to assets | 1.2594% | 1,995 |
| Return on assets (ROA) | 1.2704% | 2,025 |
| Pretax return on assets | 1.5618% | 1,845 |
| Return on Equity (ROE) | 11.0074% | 2,420 |
| Retained earnings to average equity (ytd only) | -5.8235% | 4,801 |
| Net charge-offs to loans | -0.0235% | 4,050 |
| Credit loss provision to net charge-offs | -227.2727% | 3,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0996% | 2,857 |
| Assets per employee ($millions) | 4.6598% | 3,966 |
| Cash dividends to net income (ytd only)* | 152.9052% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 801 |
| Loan loss allowance to noncurrent loans | 408.3832% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 2,523 |
| Noncurrent loans to loans | 0.4544% | 2,313 |
| Net loans and leases to total assets | 60.4725% | 2,367 |
| Net loans and leases to deposits | 68.8141% | 2,535 |
| Net loans and leases to core deposits | 71.1130% | 2,680 |
| Total domestic deposits to total assets | 87.8781% | 1,901 |
| Equity capital to assets | 11.6149% | 1,562 |
| Core capital (leverage) ratio | 10.3379% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4096% | 581 |
| Memoranda: | ||
| Average total assets | $308,869,667 | 2,406 |
| Average earning assets | $283,561,000 | 2,430 |
| Average equity | $35,648,667 | 2,285 |
| Average total loans | $187,600,000 | 2,369 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 2,620 |
| Cost of funding earning assets | 0.2406% | 3,555 |
| Net interest margin | 3.3662% | 2,202 |
| Noninterest income to average assets | 0.8568% | 1,442 |
| Noninterest expense to average assets | 2.4227% | 2,424 |
| Loan and lease loss provision to assets | 0.0637% | 1,866 |
| Net operating income to assets | 1.1598% | 2,299 |
| Return on assets (ROA) | 1.1598% | 2,367 |
| Pretax return on assets | 1.4335% | 2,188 |
| Return on Equity (ROE) | 10.0792% | 2,666 |
| Retained earnings to average equity (ytd only) | 10.0792% | 1,627 |
| Net charge-offs to loans | -0.0295% | 4,165 |
| Credit loss provision to net charge-offs | -357.1429% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8058% | 2,789 |
| Assets per employee ($millions) | 5.0802% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8386% | 816 |
| Loan loss allowance to noncurrent loans | 412.8641% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 2,855 |
| Noncurrent loans to loans | 0.4453% | 2,521 |
| Net loans and leases to total assets | 56.7498% | 2,951 |
| Net loans and leases to deposits | 64.8524% | 3,043 |
| Net loans and leases to core deposits | 66.9980% | 3,155 |
| Total domestic deposits to total assets | 87.5061% | 2,084 |
| Equity capital to assets | 11.4166% | 1,596 |
| Core capital (leverage) ratio | 12.1913% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0960% | 445 |
| Memoranda: | ||
| Average total assets | $314,190,500 | 2,376 |
| Average earning assets | $285,904,500 | 2,403 |
| Average equity | $36,153,500 | 2,255 |
| Average total loans | $189,522,000 | 2,352 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 1,413 |
| Cost of funding earning assets | 0.4241% | 3,436 |
| Net interest margin | 4.0350% | 908 |
| Noninterest income to average assets | 0.9004% | 1,269 |
| Noninterest expense to average assets | 2.9377% | 1,577 |
| Loan and lease loss provision to assets | 0.2108% | 1,867 |
| Net operating income to assets | 1.1496% | 1,727 |
| Return on assets (ROA) | 1.1527% | 1,838 |
| Pretax return on assets | 1.4015% | 1,651 |
| Return on Equity (ROE) | 8.7167% | 2,511 |
| Retained earnings to average equity (ytd only) | 1.5999% | 3,994 |
| Net charge-offs to loans | 0.1237% | 1,262 |
| Credit loss provision to net charge-offs | 238.2979% | 1,977 |
| Earnings coverage of net charge-offs (x) | 18.1830% | 2,037 |
| Efficiency ratio | 64.6187% | 2,727 |
| Assets per employee ($millions) | 4.8941% | 3,510 |
| Cash dividends to net income (ytd only)* | 81.6460% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 995 |
| Loan loss allowance to noncurrent loans | 379.7497% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 2,870 |
| Noncurrent loans to loans | 0.4531% | 2,612 |
| Net loans and leases to total assets | 61.8414% | 2,630 |
| Net loans and leases to deposits | 70.6900% | 2,807 |
| Net loans and leases to core deposits | 73.7125% | 2,936 |
| Total domestic deposits to total assets | 87.4825% | 1,715 |
| Equity capital to assets | 11.6006% | 1,809 |
| Core capital (leverage) ratio | 11.8850% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9708% | 505 |
| Memoranda: | ||
| Average total assets | $265,647,000 | 2,487 |
| Average earning assets | $240,023,400 | 2,527 |
| Average equity | $35,128,000 | 2,228 |
| Average total loans | $189,991,000 | 2,326 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 511 |
| Cost of funding earning assets | 0.4728% | 3,408 |
| Net interest margin | 4.6192% | 296 |
| Noninterest income to average assets | 0.6139% | 2,122 |
| Noninterest expense to average assets | 2.9790% | 1,489 |
| Loan and lease loss provision to assets | 0.2012% | 1,983 |
| Net operating income to assets | 1.2764% | 1,406 |
| Return on assets (ROA) | 1.2806% | 1,504 |
| Pretax return on assets | 1.6027% | 1,178 |
| Return on Equity (ROE) | 9.3378% | 2,265 |
| Retained earnings to average equity (ytd only) | -0.1945% | 4,506 |
| Net charge-offs to loans | 0.1693% | 868 |
| Credit loss provision to net charge-offs | 160.4167% | 2,266 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 2,160 |
| Efficiency ratio | 62.3509% | 3,016 |
| Assets per employee ($millions) | 4.3222% | 4,025 |
| Cash dividends to net income (ytd only)* | 102.0825% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 1,178 |
| Loan loss allowance to noncurrent loans | 347.5248% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 2,849 |
| Noncurrent loans to loans | 0.4524% | 2,695 |
| Net loans and leases to total assets | 70.3989% | 1,889 |
| Net loans and leases to deposits | 83.2215% | 1,994 |
| Net loans and leases to core deposits | 87.3745% | 2,206 |
| Total domestic deposits to total assets | 84.5922% | 2,596 |
| Equity capital to assets | 12.5093% | 1,426 |
| Core capital (leverage) ratio | 12.0597% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9809% | 587 |
| Memoranda: | ||
| Average total assets | $254,976,500 | 2,532 |
| Average earning assets | $229,848,500 | 2,583 |
| Average equity | $34,968,000 | 2,222 |
| Average total loans | $188,985,500 | 2,332 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 756 |
| Cost of funding earning assets | 0.5004% | 3,531 |
| Net interest margin | 4.5516% | 451 |
| Noninterest income to average assets | 0.5887% | 2,174 |
| Noninterest expense to average assets | 3.0318% | 1,501 |
| Loan and lease loss provision to assets | 0.1502% | 2,501 |
| Net operating income to assets | 1.2017% | 1,633 |
| Return on assets (ROA) | 1.2082% | 1,746 |
| Pretax return on assets | 1.5135% | 1,422 |
| Return on Equity (ROE) | 8.5249% | 2,548 |
| Retained earnings to average equity (ytd only) | -5.7979% | 4,806 |
| Net charge-offs to loans | 0.2930% | 542 |
| Credit loss provision to net charge-offs | 68.2657% | 2,559 |
| Earnings coverage of net charge-offs (x) | 7.5240% | 2,358 |
| Efficiency ratio | 64.6804% | 2,718 |
| Assets per employee ($millions) | 4.0760% | 4,233 |
| Cash dividends to net income (ytd only)* | 168.0108% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 1,310 |
| Loan loss allowance to noncurrent loans | 312.3799% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 2,873 |
| Noncurrent loans to loans | 0.4747% | 2,727 |
| Net loans and leases to total assets | 72.2795% | 1,656 |
| Net loans and leases to deposits | 85.7147% | 1,797 |
| Net loans and leases to core deposits | 89.9828% | 2,073 |
| Total domestic deposits to total assets | 84.3257% | 2,624 |
| Equity capital to assets | 12.7042% | 1,280 |
| Core capital (leverage) ratio | 13.0263% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,321,333 | 2,563 |
| Average earning assets | $221,811,000 | 2,618 |
| Average equity | $34,909,333 | 2,208 |
| Average total loans | $185,001,000 | 2,359 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 637 |
| Cost of funding earning assets | 0.5425% | 3,728 |
| Net interest margin | 4.6776% | 350 |
| Noninterest income to average assets | 0.6333% | 1,886 |
| Noninterest expense to average assets | 3.1969% | 1,433 |
| Loan and lease loss provision to assets | 0.1021% | 2,407 |
| Net operating income to assets | 1.2139% | 1,470 |
| Return on assets (ROA) | 1.2274% | 1,544 |
| Pretax return on assets | 1.5491% | 1,186 |
| Return on Equity (ROE) | 8.1755% | 2,440 |
| Retained earnings to average equity (ytd only) | 8.1755% | 1,176 |
| Net charge-offs to loans | 0.0112% | 2,184 |
| Credit loss provision to net charge-offs | 1,200.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 359 |
| Efficiency ratio | 66.1734% | 2,938 |
| Assets per employee ($millions) | 3.6687% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 857 |
| Loan loss allowance to noncurrent loans | 273.0427% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 2,333 |
| Noncurrent loans to loans | 0.6277% | 2,419 |
| Net loans and leases to total assets | 74.9562% | 1,464 |
| Net loans and leases to deposits | 90.5506% | 1,446 |
| Net loans and leases to core deposits | 96.2716% | 1,768 |
| Total domestic deposits to total assets | 82.7783% | 3,185 |
| Equity capital to assets | 15.2251% | 723 |
| Core capital (leverage) ratio | 15.2594% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2789% | 544 |
| Memoranda: | ||
| Average total assets | $234,975,000 | 2,597 |
| Average earning assets | $210,879,500 | 2,656 |
| Average equity | $35,276,000 | 2,189 |
| Average total loans | $178,817,000 | 2,372 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 1,033 |
| Cost of funding earning assets | 0.5675% | 3,786 |
| Net interest margin | 4.6137% | 555 |
| Noninterest income to average assets | 0.6487% | 2,007 |
| Noninterest expense to average assets | 3.2395% | 1,429 |
| Loan and lease loss provision to assets | 0.0517% | 2,988 |
| Net operating income to assets | 1.2011% | 2,055 |
| Return on assets (ROA) | 1.2025% | 2,145 |
| Pretax return on assets | 1.4762% | 1,880 |
| Return on Equity (ROE) | 8.1623% | 3,096 |
| Retained earnings to average equity (ytd only) | 0.8484% | 4,435 |
| Net charge-offs to loans | 0.0017% | 3,652 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 1,180.3333% | 83 |
| Efficiency ratio | 67.9750% | 2,462 |
| Assets per employee ($millions) | 3.7326% | 4,227 |
| Cash dividends to net income (ytd only)* | 89.6057% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 822 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 2,462 |
| Noncurrent loans to loans | 0.5370% | 2,564 |
| Net loans and leases to total assets | 74.6561% | 1,637 |
| Net loans and leases to deposits | 89.6765% | 1,632 |
| Net loans and leases to core deposits | 95.3694% | 1,952 |
| Total domestic deposits to total assets | 83.2505% | 3,121 |
| Equity capital to assets | 14.8006% | 846 |
| Core capital (leverage) ratio | 14.9291% | 704 |
| Tier 1 risk-based capital ratio | 22.1123% | 1,010 |
| Total risk-based capital ratio | 23.3702% | 986 |
| Memoranda: | ||
| Average total assets | $232,013,600 | 2,563 |
| Average earning assets | $207,036,800 | 2,636 |
| Average equity | $34,181,400 | 2,181 |
| Average total loans | $173,469,400 | 2,384 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 1,075 |
| Cost of funding earning assets | 0.5666% | 3,835 |
| Net interest margin | 4.6171% | 598 |
| Noninterest income to average assets | 0.6637% | 1,934 |
| Noninterest expense to average assets | 3.2198% | 1,423 |
| Loan and lease loss provision to assets | 0.0519% | 2,870 |
| Net operating income to assets | 1.1872% | 2,242 |
| Return on assets (ROA) | 1.1890% | 2,312 |
| Pretax return on assets | 1.5148% | 1,912 |
| Return on Equity (ROE) | 8.0799% | 3,266 |
| Retained earnings to average equity (ytd only) | -1.7163% | 4,908 |
| Net charge-offs to loans | -0.0093% | 4,353 |
| Credit loss provision to net charge-offs | -750.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3014% | 2,526 |
| Assets per employee ($millions) | 3.6960% | 4,280 |
| Cash dividends to net income (ytd only)* | 121.2417% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 795 |
| Loan loss allowance to noncurrent loans | 288.8247% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 2,268 |
| Noncurrent loans to loans | 0.5938% | 2,503 |
| Net loans and leases to total assets | 74.9728% | 1,652 |
| Net loans and leases to deposits | 91.0456% | 1,560 |
| Net loans and leases to core deposits | 97.3113% | 1,874 |
| Total domestic deposits to total assets | 82.3464% | 3,373 |
| Equity capital to assets | 14.8768% | 877 |
| Core capital (leverage) ratio | 14.8083% | 785 |
| Tier 1 risk-based capital ratio | 21.8262% | 1,094 |
| Total risk-based capital ratio | 23.0842% | 1,065 |
| Memoranda: | ||
| Average total assets | $231,228,750 | 2,595 |
| Average earning assets | $206,359,000 | 2,663 |
| Average equity | $34,025,750 | 2,205 |
| Average total loans | $172,194,250 | 2,425 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 1,232 |
| Cost of funding earning assets | 0.5574% | 3,851 |
| Net interest margin | 4.5375% | 705 |
| Noninterest income to average assets | 0.6502% | 1,915 |
| Noninterest expense to average assets | 3.2158% | 1,474 |
| Loan and lease loss provision to assets | 0.0517% | 2,780 |
| Net operating income to assets | 1.1385% | 2,377 |
| Return on assets (ROA) | 1.1392% | 2,448 |
| Pretax return on assets | 1.4479% | 2,044 |
| Return on Equity (ROE) | 7.7697% | 3,393 |
| Retained earnings to average equity (ytd only) | -6.9345% | 5,121 |
| Net charge-offs to loans | -0.0315% | 4,702 |
| Credit loss provision to net charge-offs | -222.2222% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2093% | 2,503 |
| Assets per employee ($millions) | 3.6581% | 4,299 |
| Cash dividends to net income (ytd only)* | 189.2506% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 779 |
| Loan loss allowance to noncurrent loans | 285.7280% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 2,421 |
| Noncurrent loans to loans | 0.6030% | 2,457 |
| Net loans and leases to total assets | 73.8282% | 1,920 |
| Net loans and leases to deposits | 88.9703% | 1,867 |
| Net loans and leases to core deposits | 96.1195% | 2,058 |
| Total domestic deposits to total assets | 82.9807% | 3,212 |
| Equity capital to assets | 14.4223% | 974 |
| Core capital (leverage) ratio | 14.3796% | 858 |
| Tier 1 risk-based capital ratio | 20.9642% | 1,180 |
| Total risk-based capital ratio | 22.2215% | 1,164 |
| Memoranda: | ||
| Average total assets | $231,920,000 | 2,602 |
| Average earning assets | $207,734,000 | 2,662 |
| Average equity | $34,004,000 | 2,194 |
| Average total loans | $171,325,000 | 2,445 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0211% | 1,285 |
| Cost of funding earning assets | 0.5281% | 3,927 |
| Net interest margin | 4.4929% | 754 |
| Noninterest income to average assets | 0.6396% | 1,867 |
| Noninterest expense to average assets | 3.2100% | 1,475 |
| Loan and lease loss provision to assets | 0.0688% | 2,283 |
| Net operating income to assets | 1.1124% | 2,424 |
| Return on assets (ROA) | 1.1124% | 2,470 |
| Pretax return on assets | 1.3978% | 2,093 |
| Return on Equity (ROE) | 7.5261% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.5261% | 1,833 |
| Net charge-offs to loans | -0.0305% | 4,651 |
| Credit loss provision to net charge-offs | -307.6923% | 3,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6397% | 2,546 |
| Assets per employee ($millions) | 3.6128% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 791 |
| Loan loss allowance to noncurrent loans | 298.1800% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 2,573 |
| Noncurrent loans to loans | 0.5839% | 2,587 |
| Net loans and leases to total assets | 71.9749% | 2,166 |
| Net loans and leases to deposits | 87.2772% | 1,961 |
| Net loans and leases to core deposits | 93.5333% | 2,169 |
| Total domestic deposits to total assets | 82.4670% | 3,591 |
| Equity capital to assets | 15.0782% | 740 |
| Core capital (leverage) ratio | 15.3040% | 635 |
| Tier 1 risk-based capital ratio | 22.7124% | 969 |
| Total risk-based capital ratio | 23.9699% | 943 |
| Memoranda: | ||
| Average total assets | $232,649,000 | 2,621 |
| Average earning assets | $209,039,000 | 2,676 |
| Average equity | $34,387,000 | 2,169 |
| Average total loans | $170,423,000 | 2,471 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 1,369 |
| Cost of funding earning assets | 0.4564% | 3,637 |
| Net interest margin | 4.4131% | 908 |
| Noninterest income to average assets | 0.6477% | 2,053 |
| Noninterest expense to average assets | 3.0981% | 1,800 |
| Loan and lease loss provision to assets | 0.0602% | 2,956 |
| Net operating income to assets | 1.1388% | 2,436 |
| Return on assets (ROA) | 1.1374% | 2,447 |
| Pretax return on assets | 1.4072% | 2,111 |
| Return on Equity (ROE) | 8.1186% | 3,386 |
| Retained earnings to average equity (ytd only) | 8.1186% | 1,181 |
| Net charge-offs to loans | -0.0024% | 4,256 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8319% | 2,573 |
| Assets per employee ($millions) | 3.6012% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 852 |
| Loan loss allowance to noncurrent loans | 288.8335% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 2,440 |
| Noncurrent loans to loans | 0.5849% | 2,539 |
| Net loans and leases to total assets | 72.0186% | 2,252 |
| Net loans and leases to deposits | 86.5924% | 2,205 |
| Net loans and leases to core deposits | 91.6145% | 2,443 |
| Total domestic deposits to total assets | 83.1696% | 3,270 |
| Equity capital to assets | 14.4867% | 843 |
| Core capital (leverage) ratio | 14.7598% | 740 |
| Tier 1 risk-based capital ratio | 22.3829% | 981 |
| Total risk-based capital ratio | 23.6402% | 951 |
| Memoranda: | ||
| Average total assets | $232,370,200 | 2,602 |
| Average earning assets | $206,384,600 | 2,668 |
| Average equity | $32,555,000 | 2,184 |
| Average total loans | $167,392,200 | 2,463 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 1,214 |
| Cost of funding earning assets | 0.4439% | 3,573 |
| Net interest margin | 4.4353% | 838 |
| Noninterest income to average assets | 0.6547% | 2,049 |
| Noninterest expense to average assets | 3.0576% | 1,864 |
| Loan and lease loss provision to assets | 0.0805% | 2,344 |
| Net operating income to assets | 1.1136% | 2,608 |
| Return on assets (ROA) | 1.1117% | 2,625 |
| Pretax return on assets | 1.4204% | 2,157 |
| Return on Equity (ROE) | 8.0040% | 3,549 |
| Retained earnings to average equity (ytd only) | 8.0040% | 1,656 |
| Net charge-offs to loans | -0.0024% | 4,112 |
| Credit loss provision to net charge-offs | -4,666.6667% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0406% | 2,706 |
| Assets per employee ($millions) | 3.5438% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 862 |
| Loan loss allowance to noncurrent loans | 627.9826% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 3,351 |
| Noncurrent loans to loans | 0.2710% | 3,718 |
| Net loans and leases to total assets | 73.7182% | 2,033 |
| Net loans and leases to deposits | 89.1060% | 2,005 |
| Net loans and leases to core deposits | 94.6053% | 2,240 |
| Total domestic deposits to total assets | 82.7308% | 3,393 |
| Equity capital to assets | 14.5699% | 811 |
| Core capital (leverage) ratio | 14.8303% | 744 |
| Tier 1 risk-based capital ratio | 22.0663% | 1,047 |
| Total risk-based capital ratio | 23.3241% | 1,024 |
| Memoranda: | ||
| Average total assets | $231,943,500 | 2,609 |
| Average earning assets | $204,263,500 | 2,704 |
| Average equity | $32,216,250 | 2,202 |
| Average total loans | $166,371,250 | 2,488 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 1,430 |
| Cost of funding earning assets | 0.4353% | 3,460 |
| Net interest margin | 4.2943% | 1,045 |
| Noninterest income to average assets | 0.6788% | 1,962 |
| Noninterest expense to average assets | 3.0104% | 2,016 |
| Loan and lease loss provision to assets | 0.1198% | 1,647 |
| Net operating income to assets | 1.0516% | 2,798 |
| Return on assets (ROA) | 1.0503% | 2,799 |
| Pretax return on assets | 1.3302% | 2,392 |
| Return on Equity (ROE) | 7.6832% | 3,633 |
| Retained earnings to average equity (ytd only) | 7.6832% | 1,763 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4660% | 2,735 |
| Assets per employee ($millions) | 3.7019% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 822 |
| Loan loss allowance to noncurrent loans | 611.4165% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 3,359 |
| Noncurrent loans to loans | 0.2863% | 3,676 |
| Net loans and leases to total assets | 70.7170% | 2,474 |
| Net loans and leases to deposits | 84.7992% | 2,444 |
| Net loans and leases to core deposits | 89.0917% | 2,639 |
| Total domestic deposits to total assets | 83.3935% | 3,286 |
| Equity capital to assets | 14.1378% | 897 |
| Core capital (leverage) ratio | 14.2431% | 839 |
| Tier 1 risk-based capital ratio | 20.9736% | 1,179 |
| Total risk-based capital ratio | 22.2303% | 1,151 |
| Memoranda: | ||
| Average total assets | $233,657,000 | 2,605 |
| Average earning assets | $205,854,330 | 2,706 |
| Average equity | $31,940,000 | 2,227 |
| Average total loans | $165,131,670 | 2,505 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 1,579 |
| Cost of funding earning assets | 0.4449% | 3,247 |
| Net interest margin | 4.1533% | 1,288 |
| Noninterest income to average assets | 0.6346% | 2,104 |
| Noninterest expense to average assets | 2.9645% | 2,162 |
| Loan and lease loss provision to assets | 0.1035% | 1,793 |
| Net operating income to assets | 1.0046% | 2,837 |
| Return on assets (ROA) | 1.0046% | 2,854 |
| Pretax return on assets | 1.2421% | 2,590 |
| Return on Equity (ROE) | 7.4735% | 3,603 |
| Retained earnings to average equity (ytd only) | 7.4735% | 2,066 |
| Net charge-offs to loans | 0.0145% | 2,243 |
| Credit loss provision to net charge-offs | 1,016.6667% | 336 |
| Earnings coverage of net charge-offs (x) | 132.1667% | 491 |
| Efficiency ratio | 68.7795% | 2,705 |
| Assets per employee ($millions) | 4.0101% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 965 |
| Loan loss allowance to noncurrent loans | 392.5874% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 3,125 |
| Noncurrent loans to loans | 0.4306% | 3,246 |
| Net loans and leases to total assets | 68.9942% | 2,632 |
| Net loans and leases to deposits | 81.9456% | 2,605 |
| Net loans and leases to core deposits | 86.1538% | 2,794 |
| Total domestic deposits to total assets | 84.1951% | 3,237 |
| Equity capital to assets | 13.4562% | 1,053 |
| Core capital (leverage) ratio | 14.0003% | 878 |
| Tier 1 risk-based capital ratio | 21.1116% | 1,190 |
| Total risk-based capital ratio | 22.3687% | 1,160 |
| Memoranda: | ||
| Average total assets | $235,726,000 | 2,619 |
| Average earning assets | $208,607,000 | 2,709 |
| Average equity | $31,685,500 | 2,261 |
| Average total loans | $165,097,000 | 2,526 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 1,868 |
| Cost of funding earning assets | 0.5364% | 2,062 |
| Net interest margin | 3.9168% | 2,040 |
| Noninterest income to average assets | 0.5561% | 2,674 |
| Noninterest expense to average assets | 2.8891% | 2,492 |
| Loan and lease loss provision to assets | 0.0818% | 2,563 |
| Net operating income to assets | 0.6611% | 3,780 |
| Return on assets (ROA) | 0.6624% | 3,806 |
| Pretax return on assets | 1.1010% | 3,178 |
| Return on Equity (ROE) | 5.0075% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.0075% | 2,123 |
| Net charge-offs to loans | 0.0882% | 2,214 |
| Credit loss provision to net charge-offs | 132.8671% | 1,988 |
| Earnings coverage of net charge-offs (x) | 19.1818% | 2,032 |
| Efficiency ratio | 70.9889% | 2,401 |
| Assets per employee ($millions) | 3.9806% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 986 |
| Loan loss allowance to noncurrent loans | 507.9336% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 3,460 |
| Noncurrent loans to loans | 0.3302% | 3,587 |
| Net loans and leases to total assets | 68.7214% | 2,720 |
| Net loans and leases to deposits | 84.6201% | 2,418 |
| Net loans and leases to core deposits | 89.2933% | 2,628 |
| Total domestic deposits to total assets | 81.2117% | 4,066 |
| Equity capital to assets | 13.4271% | 1,091 |
| Core capital (leverage) ratio | 13.4576% | 985 |
| Tier 1 risk-based capital ratio | 21.1598% | 1,121 |
| Total risk-based capital ratio | 22.4167% | 1,096 |
| Memoranda: | ||
| Average total assets | $232,324,200 | 2,626 |
| Average earning assets | $208,412,000 | 2,685 |
| Average equity | $30,734,000 | 2,312 |
| Average total loans | $162,107,800 | 2,521 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 2,033 |
| Cost of funding earning assets | 0.5331% | 2,006 |
| Net interest margin | 3.8420% | 2,247 |
| Noninterest income to average assets | 0.5507% | 2,727 |
| Noninterest expense to average assets | 2.8894% | 2,449 |
| Loan and lease loss provision to assets | 0.0978% | 2,153 |
| Net operating income to assets | 0.7374% | 3,781 |
| Return on assets (ROA) | 0.7395% | 3,850 |
| Pretax return on assets | 1.0295% | 3,569 |
| Return on Equity (ROE) | 5.6111% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.6111% | 2,477 |
| Net charge-offs to loans | 0.1064% | 1,724 |
| Credit loss provision to net charge-offs | 131.7829% | 1,871 |
| Earnings coverage of net charge-offs (x) | 15.1469% | 2,250 |
| Efficiency ratio | 71.9857% | 2,206 |
| Assets per employee ($millions) | 3.9643% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 1,055 |
| Loan loss allowance to noncurrent loans | 629.8165% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 3,677 |
| Noncurrent loans to loans | 0.2680% | 4,003 |
| Net loans and leases to total assets | 69.5653% | 2,619 |
| Net loans and leases to deposits | 86.2148% | 2,269 |
| Net loans and leases to core deposits | 91.3316% | 2,507 |
| Total domestic deposits to total assets | 80.6883% | 4,142 |
| Equity capital to assets | 13.6286% | 1,109 |
| Core capital (leverage) ratio | 13.8010% | 944 |
| Tier 1 risk-based capital ratio | 20.8479% | 1,223 |
| Total risk-based capital ratio | 22.1048% | 1,188 |
| Memoranda: | ||
| Average total assets | $231,691,750 | 2,646 |
| Average earning assets | $208,843,500 | 2,693 |
| Average equity | $30,534,000 | 2,339 |
| Average total loans | $161,597,750 | 2,541 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 2,211 |
| Cost of funding earning assets | 0.5320% | 1,897 |
| Net interest margin | 3.7429% | 2,504 |
| Noninterest income to average assets | 0.5571% | 2,669 |
| Noninterest expense to average assets | 2.8827% | 2,484 |
| Loan and lease loss provision to assets | 0.1033% | 1,964 |
| Net operating income to assets | 0.6985% | 3,862 |
| Return on assets (ROA) | 0.6992% | 3,919 |
| Pretax return on assets | 0.9704% | 3,688 |
| Return on Equity (ROE) | 5.3656% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.3656% | 2,484 |
| Net charge-offs to loans | 0.1662% | 1,167 |
| Credit loss provision to net charge-offs | 89.5522% | 2,150 |
| Earnings coverage of net charge-offs (x) | 9.2985% | 2,449 |
| Efficiency ratio | 72.8777% | 2,204 |
| Assets per employee ($millions) | 3.8709% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 1,080 |
| Loan loss allowance to noncurrent loans | 514.5315% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 2,832 |
| Noncurrent loans to loans | 0.3281% | 3,861 |
| Net loans and leases to total assets | 68.6188% | 2,721 |
| Net loans and leases to deposits | 84.8020% | 2,373 |
| Net loans and leases to core deposits | 91.2449% | 2,400 |
| Total domestic deposits to total assets | 80.9164% | 4,202 |
| Equity capital to assets | 13.5026% | 1,142 |
| Core capital (leverage) ratio | 13.5818% | 976 |
| Tier 1 risk-based capital ratio | 20.6422% | 1,253 |
| Total risk-based capital ratio | 21.8983% | 1,224 |
| Memoranda: | ||
| Average total assets | $232,279,670 | 2,657 |
| Average earning assets | $210,905,670 | 2,690 |
| Average equity | $30,266,670 | 2,353 |
| Average total loans | $161,231,670 | 2,539 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 2,634 |
| Cost of funding earning assets | 0.5237% | 1,910 |
| Net interest margin | 3.5822% | 2,955 |
| Noninterest income to average assets | 0.5618% | 2,597 |
| Noninterest expense to average assets | 2.8827% | 2,512 |
| Loan and lease loss provision to assets | 0.1025% | 1,854 |
| Net operating income to assets | 0.6404% | 3,979 |
| Return on assets (ROA) | 0.6404% | 4,017 |
| Pretax return on assets | 0.8590% | 3,903 |
| Return on Equity (ROE) | 5.0032% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.0032% | 2,893 |
| Net charge-offs to loans | 0.0863% | 1,482 |
| Credit loss provision to net charge-offs | 171.4286% | 1,120 |
| Earnings coverage of net charge-offs (x) | 16.0857% | 1,653 |
| Efficiency ratio | 74.9889% | 2,069 |
| Assets per employee ($millions) | 3.9529% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 1,169 |
| Loan loss allowance to noncurrent loans | 443.7398% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 2,490 |
| Noncurrent loans to loans | 0.3801% | 3,736 |
| Net loans and leases to total assets | 68.2080% | 2,647 |
| Net loans and leases to deposits | 83.5381% | 2,337 |
| Net loans and leases to core deposits | 91.3022% | 2,232 |
| Total domestic deposits to total assets | 81.6490% | 4,262 |
| Equity capital to assets | 12.9758% | 1,267 |
| Core capital (leverage) ratio | 12.9685% | 1,157 |
| Tier 1 risk-based capital ratio | 20.1725% | 1,356 |
| Total risk-based capital ratio | 21.4286% | 1,327 |
| Memoranda: | ||
| Average total assets | $234,227,000 | 2,669 |
| Average earning assets | $214,614,000 | 2,682 |
| Average equity | $29,981,000 | 2,377 |
| Average total loans | $162,144,500 | 2,550 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 2,314 |
| Cost of funding earning assets | 0.6633% | 986 |
| Net interest margin | 3.5866% | 3,119 |
| Noninterest income to average assets | 0.5521% | 2,904 |
| Noninterest expense to average assets | 2.8339% | 2,908 |
| Loan and lease loss provision to assets | 0.0909% | 2,539 |
| Net operating income to assets | 0.6325% | 4,079 |
| Return on assets (ROA) | 0.6405% | 4,152 |
| Pretax return on assets | 0.9051% | 3,835 |
| Return on Equity (ROE) | 5.0328% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.0328% | 2,319 |
| Net charge-offs to loans | 0.3958% | 668 |
| Credit loss provision to net charge-offs | 32.8638% | 3,563 |
| Earnings coverage of net charge-offs (x) | 3.5587% | 3,643 |
| Efficiency ratio | 74.2118% | 2,259 |
| Assets per employee ($millions) | 4.0558% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 1,223 |
| Loan loss allowance to noncurrent loans | 310.5626% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 2,288 |
| Noncurrent loans to loans | 0.5360% | 3,244 |
| Net loans and leases to total assets | 67.9240% | 2,781 |
| Net loans and leases to deposits | 82.7101% | 2,588 |
| Net loans and leases to core deposits | 91.3389% | 2,360 |
| Total domestic deposits to total assets | 82.1230% | 4,042 |
| Equity capital to assets | 12.6257% | 1,447 |
| Core capital (leverage) ratio | 12.9024% | 1,172 |
| Tier 1 risk-based capital ratio | 19.9778% | 1,377 |
| Total risk-based capital ratio | 21.2341% | 1,346 |
| Memoranda: | ||
| Average total assets | $230,920,000 | 2,658 |
| Average earning assets | $210,307,800 | 2,695 |
| Average equity | $29,387,400 | 2,409 |
| Average total loans | $161,434,000 | 2,503 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 2,270 |
| Cost of funding earning assets | 0.6859% | 873 |
| Net interest margin | 3.5807% | 3,159 |
| Noninterest income to average assets | 0.5511% | 2,912 |
| Noninterest expense to average assets | 2.8622% | 2,781 |
| Loan and lease loss provision to assets | 0.0870% | 2,487 |
| Net operating income to assets | 0.6283% | 4,172 |
| Return on assets (ROA) | 0.6393% | 4,250 |
| Pretax return on assets | 0.8725% | 4,071 |
| Return on Equity (ROE) | 5.0131% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.0131% | 2,815 |
| Net charge-offs to loans | 0.4384% | 489 |
| Credit loss provision to net charge-offs | 28.3019% | 3,237 |
| Earnings coverage of net charge-offs (x) | 3.0717% | 3,472 |
| Efficiency ratio | 75.1905% | 2,079 |
| Assets per employee ($millions) | 4.0023% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 1,194 |
| Loan loss allowance to noncurrent loans | 445.4693% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 2,553 |
| Noncurrent loans to loans | 0.3841% | 3,882 |
| Net loans and leases to total assets | 68.1285% | 2,786 |
| Net loans and leases to deposits | 86.0323% | 2,253 |
| Net loans and leases to core deposits | 96.0294% | 1,985 |
| Total domestic deposits to total assets | 79.1894% | 4,676 |
| Equity capital to assets | 12.9349% | 1,520 |
| Core capital (leverage) ratio | 13.0847% | 1,159 |
| Tier 1 risk-based capital ratio | 19.8667% | 1,469 |
| Total risk-based capital ratio | 21.1238% | 1,435 |
| Memoranda: | ||
| Average total assets | $229,841,250 | 2,673 |
| Average earning assets | $208,964,750 | 2,714 |
| Average equity | $29,309,250 | 2,427 |
| Average total loans | $161,171,000 | 2,513 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 2,300 |
| Cost of funding earning assets | 0.6906% | 842 |
| Net interest margin | 3.5693% | 3,213 |
| Noninterest income to average assets | 0.5465% | 2,923 |
| Noninterest expense to average assets | 2.8654% | 2,788 |
| Loan and lease loss provision to assets | 0.0960% | 2,236 |
| Net operating income to assets | 0.6054% | 4,242 |
| Return on assets (ROA) | 0.6042% | 4,378 |
| Pretax return on assets | 0.8277% | 4,198 |
| Return on Equity (ROE) | 4.7609% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.7609% | 2,891 |
| Net charge-offs to loans | 0.2443% | 966 |
| Credit loss provision to net charge-offs | 55.8376% | 2,621 |
| Earnings coverage of net charge-offs (x) | 5.3807% | 2,865 |
| Efficiency ratio | 75.5873% | 2,135 |
| Assets per employee ($millions) | 3.9930% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8661% | 950 |
| Loan loss allowance to noncurrent loans | 237.6755% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 2,085 |
| Noncurrent loans to loans | 0.7851% | 2,788 |
| Net loans and leases to total assets | 69.1881% | 2,606 |
| Net loans and leases to deposits | 86.9448% | 2,136 |
| Net loans and leases to core deposits | 97.1557% | 1,875 |
| Total domestic deposits to total assets | 79.5770% | 4,652 |
| Equity capital to assets | 12.7742% | 1,622 |
| Core capital (leverage) ratio | 12.8705% | 1,204 |
| Tier 1 risk-based capital ratio | 19.4735% | 1,578 |
| Total risk-based capital ratio | 20.7329% | 1,535 |
| Memoranda: | ||
| Average total assets | $229,077,670 | 2,685 |
| Average earning assets | $208,219,330 | 2,731 |
| Average equity | $29,070,330 | 2,449 |
| Average total loans | $161,261,000 | 2,518 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 2,661 |
| Cost of funding earning assets | 0.6942% | 829 |
| Net interest margin | 3.4534% | 3,653 |
| Noninterest income to average assets | 0.5021% | 3,098 |
| Noninterest expense to average assets | 2.8531% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5659% | 4,344 |
| Return on assets (ROA) | 0.5671% | 4,439 |
| Pretax return on assets | 0.7954% | 4,206 |
| Return on Equity (ROE) | 4.4840% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.4840% | 3,246 |
| Net charge-offs to loans | 0.0549% | 1,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.5455% | 1,460 |
| Efficiency ratio | 78.2378% | 1,863 |
| Assets per employee ($millions) | 4.0079% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 854 |
| Loan loss allowance to noncurrent loans | 197.9644% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 2,122 |
| Noncurrent loans to loans | 0.9960% | 2,396 |
| Net loans and leases to total assets | 67.7269% | 2,685 |
| Net loans and leases to deposits | 85.0644% | 2,187 |
| Net loans and leases to core deposits | 96.0684% | 1,787 |
| Total domestic deposits to total assets | 79.6183% | 4,830 |
| Equity capital to assets | 12.7109% | 1,554 |
| Core capital (leverage) ratio | 12.9775% | 1,170 |
| Tier 1 risk-based capital ratio | 19.9538% | 1,507 |
| Total risk-based capital ratio | 21.2146% | 1,476 |
| Memoranda: | ||
| Average total assets | $227,820,500 | 2,712 |
| Average earning assets | $207,447,500 | 2,747 |
| Average equity | $28,813,500 | 2,450 |
| Average total loans | $160,251,000 | 2,523 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 1,698 |
| Cost of funding earning assets | 0.6809% | 906 |
| Net interest margin | 3.7855% | 2,422 |
| Noninterest income to average assets | 0.7427% | 2,011 |
| Noninterest expense to average assets | 2.9820% | 2,611 |
| Loan and lease loss provision to assets | 0.1001% | 2,315 |
| Net operating income to assets | 0.7660% | 3,487 |
| Return on assets (ROA) | 0.7703% | 3,548 |
| Pretax return on assets | 1.1110% | 2,995 |
| Return on Equity (ROE) | 5.9993% | 4,030 |
| Retained earnings to average equity (ytd only) | 0.5958% | 5,279 |
| Net charge-offs to loans | 0.1585% | 1,793 |
| Credit loss provision to net charge-offs | 88.5827% | 2,781 |
| Earnings coverage of net charge-offs (x) | 10.6654% | 2,664 |
| Efficiency ratio | 71.2237% | 3,029 |
| Assets per employee ($millions) | 4.2072% | 3,554 |
| Cash dividends to net income (ytd only)* | 90.0693% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9260% | 912 |
| Loan loss allowance to noncurrent loans | 225.0718% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0058% | 2,184 |
| Noncurrent loans to loans | 0.8557% | 2,641 |
| Net loans and leases to total assets | 70.2207% | 2,332 |
| Net loans and leases to deposits | 88.7425% | 1,781 |
| Net loans and leases to core deposits | 100.6486% | 1,463 |
| Total domestic deposits to total assets | 79.1286% | 4,951 |
| Equity capital to assets | 12.5837% | 1,578 |
| Core capital (leverage) ratio | 12.5784% | 1,314 |
| Tier 1 risk-based capital ratio | 19.3614% | 1,620 |
| Total risk-based capital ratio | 20.6214% | 1,578 |
| Memoranda: | ||
| Average total assets | $224,847,600 | 2,704 |
| Average earning assets | $204,572,200 | 2,735 |
| Average equity | $28,870,000 | 2,400 |
| Average total loans | $160,269,600 | 2,465 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 1,682 |
| Cost of funding earning assets | 0.6727% | 970 |
| Net interest margin | 3.7988% | 2,390 |
| Noninterest income to average assets | 0.7693% | 1,931 |
| Noninterest expense to average assets | 3.0713% | 2,298 |
| Loan and lease loss provision to assets | 0.0803% | 2,566 |
| Net operating income to assets | 0.7449% | 3,702 |
| Return on assets (ROA) | 0.7473% | 3,788 |
| Pretax return on assets | 1.0826% | 3,301 |
| Return on Equity (ROE) | 5.7911% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.7911% | 2,373 |
| Net charge-offs to loans | 0.1762% | 1,422 |
| Credit loss provision to net charge-offs | 63.9810% | 2,858 |
| Earnings coverage of net charge-offs (x) | 9.2416% | 2,722 |
| Efficiency ratio | 72.5970% | 2,778 |
| Assets per employee ($millions) | 3.9884% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8519% | 1,172 |
| Loan loss allowance to noncurrent loans | 262.7234% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.9092% | 2,596 |
| Noncurrent loans to loans | 0.7049% | 3,218 |
| Net loans and leases to total assets | 71.9671% | 2,061 |
| Net loans and leases to deposits | 91.0817% | 1,515 |
| Net loans and leases to core deposits | 103.2396% | 1,288 |
| Total domestic deposits to total assets | 79.0138% | 4,974 |
| Equity capital to assets | 13.0259% | 1,428 |
| Core capital (leverage) ratio | 13.2530% | 1,110 |
| Tier 1 risk-based capital ratio | 19.6972% | 1,622 |
| Total risk-based capital ratio | 20.9569% | 1,586 |
| Memoranda: | ||
| Average total assets | $224,261,750 | 2,734 |
| Average earning assets | $204,342,500 | 2,749 |
| Average equity | $28,940,250 | 2,409 |
| Average total loans | $159,670,000 | 2,478 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 1,841 |
| Cost of funding earning assets | 0.6742% | 970 |
| Net interest margin | 3.7293% | 2,584 |
| Noninterest income to average assets | 0.9506% | 1,299 |
| Noninterest expense to average assets | 3.1859% | 2,019 |
| Loan and lease loss provision to assets | 0.0269% | 3,598 |
| Net operating income to assets | 0.7996% | 3,392 |
| Return on assets (ROA) | 0.8027% | 3,465 |
| Pretax return on assets | 1.1369% | 3,019 |
| Return on Equity (ROE) | 6.2404% | 4,020 |
| Retained earnings to average equity (ytd only) | 6.2404% | 2,094 |
| Net charge-offs to loans | 0.1487% | 1,600 |
| Credit loss provision to net charge-offs | 25.6410% | 2,966 |
| Earnings coverage of net charge-offs (x) | 11.0598% | 2,325 |
| Efficiency ratio | 73.3196% | 2,780 |
| Assets per employee ($millions) | 4.1281% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8812% | 1,207 |
| Loan loss allowance to noncurrent loans | 309.1457% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9042% | 2,723 |
| Noncurrent loans to loans | 0.6085% | 3,651 |
| Net loans and leases to total assets | 70.6638% | 2,217 |
| Net loans and leases to deposits | 88.9627% | 1,723 |
| Net loans and leases to core deposits | 101.4531% | 1,367 |
| Total domestic deposits to total assets | 79.4309% | 4,994 |
| Equity capital to assets | 12.7592% | 1,510 |
| Core capital (leverage) ratio | 13.1912% | 1,095 |
| Tier 1 risk-based capital ratio | 19.6955% | 1,622 |
| Total risk-based capital ratio | 20.9550% | 1,580 |
| Memoranda: | ||
| Average total assets | $223,235,670 | 2,762 |
| Average earning assets | $203,201,670 | 2,783 |
| Average equity | $28,716,000 | 2,436 |
| Average total loans | $157,327,670 | 2,518 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 1,899 |
| Cost of funding earning assets | 0.6823% | 935 |
| Net interest margin | 3.6782% | 2,707 |
| Noninterest income to average assets | 1.1639% | 843 |
| Noninterest expense to average assets | 3.2856% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8521% | 2,997 |
| Return on assets (ROA) | 0.8584% | 3,088 |
| Pretax return on assets | 1.2289% | 2,553 |
| Return on Equity (ROE) | 6.6458% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.6458% | 2,166 |
| Net charge-offs to loans | 0.0078% | 3,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 225.0000% | 250 |
| Efficiency ratio | 72.9242% | 3,002 |
| Assets per employee ($millions) | 3.8521% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0577% | 982 |
| Loan loss allowance to noncurrent loans | 230.8254% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 1.4762% | 1,785 |
| Noncurrent loans to loans | 0.8915% | 3,012 |
| Net loans and leases to total assets | 67.3201% | 2,556 |
| Net loans and leases to deposits | 84.9838% | 1,952 |
| Net loans and leases to core deposits | 97.3231% | 1,533 |
| Total domestic deposits to total assets | 79.2153% | 5,229 |
| Equity capital to assets | 12.9304% | 1,438 |
| Core capital (leverage) ratio | 13.1736% | 1,101 |
| Tier 1 risk-based capital ratio | 19.3697% | 1,769 |
| Total risk-based capital ratio | 20.6296% | 1,721 |
| Memoranda: | ||
| Average total assets | $221,331,500 | 2,796 |
| Average earning assets | $201,075,500 | 2,819 |
| Average equity | $28,589,500 | 2,458 |
| Average total loans | $154,234,500 | 2,563 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 1,640 |
| Cost of funding earning assets | 0.7455% | 867 |
| Net interest margin | 3.8240% | 2,535 |
| Noninterest income to average assets | 1.0749% | 1,051 |
| Noninterest expense to average assets | 3.3353% | 1,835 |
| Loan and lease loss provision to assets | 0.1838% | 1,399 |
| Net operating income to assets | 0.7120% | 3,828 |
| Return on assets (ROA) | 0.7123% | 3,935 |
| Pretax return on assets | 1.0188% | 3,425 |
| Return on Equity (ROE) | 5.5839% | 4,369 |
| Retained earnings to average equity (ytd only) | -0.0360% | 5,772 |
| Net charge-offs to loans | -0.1002% | 6,111 |
| Credit loss provision to net charge-offs | -261.4379% | 5,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5062% | 2,927 |
| Assets per employee ($millions) | 3.8464% | 4,256 |
| Cash dividends to net income (ytd only)* | 100.6452% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0419% | 1,038 |
| Loan loss allowance to noncurrent loans | 209.3316% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.5576% | 1,735 |
| Noncurrent loans to loans | 0.9754% | 2,888 |
| Net loans and leases to total assets | 69.2106% | 2,361 |
| Net loans and leases to deposits | 87.3842% | 1,803 |
| Net loans and leases to core deposits | 101.1890% | 1,305 |
| Total domestic deposits to total assets | 79.2026% | 5,202 |
| Equity capital to assets | 12.9034% | 1,413 |
| Core capital (leverage) ratio | 13.0421% | 1,121 |
| Tier 1 risk-based capital ratio | 18.6291% | 1,950 |
| Total risk-based capital ratio | 19.8891% | 1,917 |
| Memoranda: | ||
| Average total assets | $217,608,400 | 2,808 |
| Average earning assets | $197,043,400 | 2,839 |
| Average equity | $27,758,200 | 2,423 |
| Average total loans | $152,665,800 | 2,537 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 1,608 |
| Cost of funding earning assets | 0.7550% | 875 |
| Net interest margin | 3.8270% | 2,520 |
| Noninterest income to average assets | 1.0601% | 1,093 |
| Noninterest expense to average assets | 3.3670% | 1,747 |
| Loan and lease loss provision to assets | 0.2455% | 890 |
| Net operating income to assets | 0.6521% | 4,209 |
| Return on assets (ROA) | 0.6525% | 4,302 |
| Pretax return on assets | 0.9116% | 3,938 |
| Return on Equity (ROE) | 5.1305% | 4,661 |
| Retained earnings to average equity (ytd only) | -2.3987% | 6,103 |
| Net charge-offs to loans | 0.0281% | 3,932 |
| Credit loss provision to net charge-offs | 1,250.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 58.8690% | 876 |
| Efficiency ratio | 74.4334% | 2,753 |
| Assets per employee ($millions) | 3.8216% | 4,244 |
| Cash dividends to net income (ytd only)* | 146.7544% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 1,407 |
| Loan loss allowance to noncurrent loans | 172.6377% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.6517% | 1,835 |
| Noncurrent loans to loans | 1.1136% | 2,840 |
| Net loans and leases to total assets | 69.7410% | 2,240 |
| Net loans and leases to deposits | 87.9359% | 1,684 |
| Net loans and leases to core deposits | 97.3048% | 1,569 |
| Total domestic deposits to total assets | 79.3089% | 5,261 |
| Equity capital to assets | 12.6184% | 1,627 |
| Core capital (leverage) ratio | 12.9030% | 1,226 |
| Tier 1 risk-based capital ratio | 18.5877% | 2,022 |
| Total risk-based capital ratio | 19.8468% | 1,987 |
| Memoranda: | ||
| Average total assets | $217,199,500 | 2,836 |
| Average earning assets | $196,561,500 | 2,870 |
| Average equity | $27,625,250 | 2,445 |
| Average total loans | $152,106,500 | 2,547 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5344% | 1,724 |
| Cost of funding earning assets | 0.7735% | 815 |
| Net interest margin | 3.7608% | 2,713 |
| Noninterest income to average assets | 1.0342% | 1,112 |
| Noninterest expense to average assets | 3.4463% | 1,581 |
| Loan and lease loss provision to assets | 0.2304% | 991 |
| Net operating income to assets | 0.5788% | 4,462 |
| Return on assets (ROA) | 0.5788% | 4,559 |
| Pretax return on assets | 0.7632% | 4,403 |
| Return on Equity (ROE) | 4.5390% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.5390% | 3,286 |
| Net charge-offs to loans | 0.0318% | 3,562 |
| Credit loss provision to net charge-offs | 1,041.6667% | 317 |
| Earnings coverage of net charge-offs (x) | 44.9167% | 973 |
| Efficiency ratio | 77.6209% | 2,350 |
| Assets per employee ($millions) | 3.7376% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8338% | 1,746 |
| Loan loss allowance to noncurrent loans | 153.2145% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 1.6293% | 2,008 |
| Noncurrent loans to loans | 1.1969% | 2,840 |
| Net loans and leases to total assets | 70.0335% | 2,078 |
| Net loans and leases to deposits | 88.8458% | 1,495 |
| Net loans and leases to core deposits | 101.0880% | 1,200 |
| Total domestic deposits to total assets | 78.8259% | 5,496 |
| Equity capital to assets | 13.1277% | 1,307 |
| Core capital (leverage) ratio | 13.4852% | 980 |
| Tier 1 risk-based capital ratio | 18.8156% | 1,965 |
| Total risk-based capital ratio | 20.0726% | 1,933 |
| Memoranda: | ||
| Average total assets | $216,988,330 | 2,845 |
| Average earning assets | $196,499,670 | 2,877 |
| Average equity | $27,671,330 | 2,432 |
| Average total loans | $151,176,330 | 2,563 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 1,721 |
| Cost of funding earning assets | 0.7857% | 801 |
| Net interest margin | 3.7389% | 2,715 |
| Noninterest income to average assets | 0.9802% | 1,174 |
| Noninterest expense to average assets | 3.4547% | 1,582 |
| Loan and lease loss provision to assets | 0.2764% | 746 |
| Net operating income to assets | 0.5193% | 4,591 |
| Return on assets (ROA) | 0.5178% | 4,670 |
| Pretax return on assets | 0.6228% | 4,753 |
| Return on Equity (ROE) | 4.1205% | 4,978 |
| Retained earnings to average equity (ytd only) | 4.1205% | 3,655 |
| Net charge-offs to loans | 0.3239% | 1,095 |
| Credit loss provision to net charge-offs | 123.9669% | 1,427 |
| Earnings coverage of net charge-offs (x) | 4.0413% | 2,578 |
| Efficiency ratio | 79.3147% | 2,298 |
| Assets per employee ($millions) | 3.7553% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 2,162 |
| Loan loss allowance to noncurrent loans | 100.9950% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.7837% | 1,972 |
| Noncurrent loans to loans | 1.7410% | 2,223 |
| Net loans and leases to total assets | 67.6948% | 2,268 |
| Net loans and leases to deposits | 85.3720% | 1,688 |
| Net loans and leases to core deposits | 98.6426% | 1,195 |
| Total domestic deposits to total assets | 79.2939% | 5,632 |
| Equity capital to assets | 12.6927% | 1,462 |
| Core capital (leverage) ratio | 13.1869% | 1,092 |
| Tier 1 risk-based capital ratio | 18.7760% | 2,039 |
| Total risk-based capital ratio | 20.0319% | 1,994 |
| Memoranda: | ||
| Average total assets | $217,093,000 | 2,859 |
| Average earning assets | $195,995,500 | 2,898 |
| Average equity | $27,278,000 | 2,452 |
| Average total loans | $149,437,500 | 2,594 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 1,430 |
| Cost of funding earning assets | 0.9293% | 636 |
| Net interest margin | 3.8261% | 2,549 |
| Noninterest income to average assets | 1.0236% | 1,336 |
| Noninterest expense to average assets | 3.2288% | 2,332 |
| Loan and lease loss provision to assets | 0.2106% | 1,751 |
| Net operating income to assets | 0.7236% | 3,682 |
| Return on assets (ROA) | 0.7760% | 3,515 |
| Pretax return on assets | 1.0996% | 2,949 |
| Return on Equity (ROE) | 6.1122% | 4,025 |
| Retained earnings to average equity (ytd only) | 0.4868% | 5,624 |
| Net charge-offs to loans | 0.2716% | 2,341 |
| Credit loss provision to net charge-offs | 113.0221% | 2,135 |
| Earnings coverage of net charge-offs (x) | 6.6364% | 3,015 |
| Efficiency ratio | 72.3088% | 3,415 |
| Assets per employee ($millions) | 4.0070% | 3,850 |
| Cash dividends to net income (ytd only)* | 92.0354% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 2,224 |
| Loan loss allowance to noncurrent loans | 80.6302% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 2.0876% | 1,715 |
| Noncurrent loans to loans | 2.1755% | 1,799 |
| Net loans and leases to total assets | 67.5583% | 2,424 |
| Net loans and leases to deposits | 84.9395% | 1,816 |
| Net loans and leases to core deposits | 97.4436% | 1,350 |
| Total domestic deposits to total assets | 79.5370% | 5,539 |
| Equity capital to assets | 12.4367% | 1,544 |
| Core capital (leverage) ratio | 13.1177% | 1,099 |
| Tier 1 risk-based capital ratio | 18.9209% | 1,949 |
| Total risk-based capital ratio | 20.1770% | 1,903 |
| Memoranda: | ||
| Average total assets | $218,438,400 | 2,825 |
| Average earning assets | $196,491,200 | 2,866 |
| Average equity | $27,731,600 | 2,399 |
| Average total loans | $149,827,200 | 2,559 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 1,431 |
| Cost of funding earning assets | 0.9614% | 602 |
| Net interest margin | 3.8028% | 2,632 |
| Noninterest income to average assets | 0.9840% | 1,498 |
| Noninterest expense to average assets | 3.1324% | 2,559 |
| Loan and lease loss provision to assets | 0.2192% | 1,660 |
| Net operating income to assets | 0.7342% | 3,678 |
| Return on assets (ROA) | 0.8020% | 3,467 |
| Pretax return on assets | 1.1424% | 2,935 |
| Return on Equity (ROE) | 6.2854% | 4,031 |
| Retained earnings to average equity (ytd only) | -1.1597% | 6,157 |
| Net charge-offs to loans | 0.3598% | 1,761 |
| Credit loss provision to net charge-offs | 88.8889% | 2,657 |
| Earnings coverage of net charge-offs (x) | 5.1284% | 3,275 |
| Efficiency ratio | 71.2367% | 3,565 |
| Assets per employee ($millions) | 4.0185% | 3,796 |
| Cash dividends to net income (ytd only)* | 118.4509% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 2,533 |
| Loan loss allowance to noncurrent loans | 134.4754% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 3.3948% | 1,014 |
| Noncurrent loans to loans | 1.2838% | 3,262 |
| Net loans and leases to total assets | 64.6997% | 2,875 |
| Net loans and leases to deposits | 80.9172% | 2,278 |
| Net loans and leases to core deposits | 97.1262% | 1,304 |
| Total domestic deposits to total assets | 79.9579% | 5,520 |
| Equity capital to assets | 12.0277% | 1,900 |
| Core capital (leverage) ratio | 12.6764% | 1,335 |
| Tier 1 risk-based capital ratio | 18.6127% | 2,112 |
| Total risk-based capital ratio | 19.8676% | 2,078 |
| Memoranda: | ||
| Average total assets | $218,954,000 | 2,842 |
| Average earning assets | $196,518,500 | 2,892 |
| Average equity | $27,937,000 | 2,415 |
| Average total loans | $150,086,500 | 2,567 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7837% | 1,365 |
| Cost of funding earning assets | 1.0022% | 539 |
| Net interest margin | 3.7815% | 2,630 |
| Noninterest income to average assets | 0.7981% | 2,194 |
| Noninterest expense to average assets | 2.9523% | 3,155 |
| Loan and lease loss provision to assets | 0.3070% | 1,162 |
| Net operating income to assets | 0.6677% | 3,979 |
| Return on assets (ROA) | 0.7697% | 3,626 |
| Pretax return on assets | 1.0968% | 3,106 |
| Return on Equity (ROE) | 5.9179% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.9179% | 2,485 |
| Net charge-offs to loans | -0.0079% | 5,723 |
| Credit loss provision to net charge-offs | -5,583.3333% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1197% | 3,803 |
| Assets per employee ($millions) | 3.9242% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 1,989 |
| Loan loss allowance to noncurrent loans | 67.9962% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 3.7997% | 960 |
| Noncurrent loans to loans | 2.8574% | 1,581 |
| Net loans and leases to total assets | 66.5564% | 2,494 |
| Net loans and leases to deposits | 84.1219% | 1,793 |
| Net loans and leases to core deposits | 102.8392% | 893 |
| Total domestic deposits to total assets | 79.1190% | 5,787 |
| Equity capital to assets | 12.7524% | 1,438 |
| Core capital (leverage) ratio | 13.2604% | 1,069 |
| Tier 1 risk-based capital ratio | 19.2904% | 1,911 |
| Total risk-based capital ratio | 20.5487% | 1,878 |
| Memoranda: | ||
| Average total assets | $218,267,000 | 2,866 |
| Average earning assets | $196,959,330 | 2,904 |
| Average equity | $28,388,330 | 2,399 |
| Average total loans | $151,612,670 | 2,548 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8659% | 1,166 |
| Cost of funding earning assets | 1.0543% | 463 |
| Net interest margin | 3.8116% | 2,403 |
| Noninterest income to average assets | 0.7962% | 2,141 |
| Noninterest expense to average assets | 2.9808% | 3,047 |
| Loan and lease loss provision to assets | 0.4597% | 610 |
| Net operating income to assets | 0.5894% | 4,274 |
| Return on assets (ROA) | 0.7337% | 3,655 |
| Pretax return on assets | 1.0132% | 3,289 |
| Return on Equity (ROE) | 5.5862% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.5862% | 2,905 |
| Net charge-offs to loans | -0.0131% | 5,542 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0821% | 3,955 |
| Assets per employee ($millions) | 3.9612% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8379% | 2,489 |
| Loan loss allowance to noncurrent loans | 128.9317% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.8217% | 2,581 |
| Noncurrent loans to loans | 1.4255% | 3,432 |
| Net loans and leases to total assets | 67.7065% | 2,069 |
| Net loans and leases to deposits | 85.5862% | 1,406 |
| Net loans and leases to core deposits | 108.0014% | 564 |
| Total domestic deposits to total assets | 79.1092% | 5,944 |
| Equity capital to assets | 12.9174% | 1,467 |
| Core capital (leverage) ratio | 13.0021% | 1,113 |
| Tier 1 risk-based capital ratio | 19.0749% | 2,027 |
| Total risk-based capital ratio | 20.3322% | 2,000 |
| Memoranda: | ||
| Average total assets | $217,523,000 | 2,905 |
| Average earning assets | $197,290,500 | 2,930 |
| Average equity | $28,570,500 | 2,413 |
| Average total loans | $152,839,500 | 2,540 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2980% | 931 |
| Cost of funding earning assets | 1.2623% | 433 |
| Net interest margin | 4.0357% | 2,254 |
| Noninterest income to average assets | 0.6740% | 2,861 |
| Noninterest expense to average assets | 3.1483% | 2,777 |
| Loan and lease loss provision to assets | 0.2866% | 2,371 |
| Net operating income to assets | 0.6052% | 4,218 |
| Return on assets (ROA) | 0.7155% | 3,920 |
| Pretax return on assets | 1.0222% | 3,463 |
| Return on Equity (ROE) | 5.2142% | 4,585 |
| Retained earnings to average equity (ytd only) | -0.2506% | 5,899 |
| Net charge-offs to loans | 0.2234% | 3,606 |
| Credit loss provision to net charge-offs | 181.2689% | 1,452 |
| Earnings coverage of net charge-offs (x) | 7.2810% | 2,641 |
| Efficiency ratio | 73.2252% | 3,201 |
| Assets per employee ($millions) | 3.9485% | 4,046 |
| Cash dividends to net income (ytd only)* | 104.8064% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 3,028 |
| Loan loss allowance to noncurrent loans | 139.9562% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.7784% | 2,741 |
| Noncurrent loans to loans | 1.1966% | 3,856 |
| Net loans and leases to total assets | 70.4058% | 1,763 |
| Net loans and leases to deposits | 89.7525% | 1,093 |
| Net loans and leases to core deposits | 117.4749% | 326 |
| Total domestic deposits to total assets | 78.4444% | 6,005 |
| Equity capital to assets | 13.3603% | 1,283 |
| Core capital (leverage) ratio | 13.3538% | 1,003 |
| Tier 1 risk-based capital ratio | 18.7351% | 2,037 |
| Total risk-based capital ratio | 19.9907% | 1,996 |
| Memoranda: | ||
| Average total assets | $209,351,600 | 2,931 |
| Average earning assets | $188,069,400 | 2,985 |
| Average equity | $28,729,400 | 2,338 |
| Average total loans | $148,164,200 | 2,596 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 958 |
| Cost of funding earning assets | 1.3097% | 417 |
| Net interest margin | 4.0176% | 2,437 |
| Noninterest income to average assets | 0.6494% | 2,998 |
| Noninterest expense to average assets | 3.1236% | 2,816 |
| Loan and lease loss provision to assets | 0.2431% | 2,621 |
| Net operating income to assets | 0.6135% | 4,332 |
| Return on assets (ROA) | 0.7486% | 3,948 |
| Pretax return on assets | 1.0819% | 3,416 |
| Return on Equity (ROE) | 5.4184% | 4,635 |
| Retained earnings to average equity (ytd only) | -1.8524% | 6,380 |
| Net charge-offs to loans | 0.1959% | 3,554 |
| Credit loss provision to net charge-offs | 175.9259% | 1,580 |
| Earnings coverage of net charge-offs (x) | 8.1714% | 2,491 |
| Efficiency ratio | 73.4467% | 3,078 |
| Assets per employee ($millions) | 3.6992% | 4,544 |
| Cash dividends to net income (ytd only)* | 134.1881% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 3,419 |
| Loan loss allowance to noncurrent loans | 124.0263% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.9056% | 2,778 |
| Noncurrent loans to loans | 1.3132% | 3,845 |
| Net loans and leases to total assets | 70.2391% | 1,866 |
| Net loans and leases to deposits | 89.9004% | 1,156 |
| Net loans and leases to core deposits | 108.7434% | 617 |
| Total domestic deposits to total assets | 78.1299% | 6,046 |
| Equity capital to assets | 13.4164% | 1,385 |
| Core capital (leverage) ratio | 13.3564% | 1,056 |
| Tier 1 risk-based capital ratio | 18.4849% | 2,175 |
| Total risk-based capital ratio | 19.7394% | 2,138 |
| Memoranda: | ||
| Average total assets | $208,384,250 | 2,977 |
| Average earning assets | $186,905,500 | 3,025 |
| Average equity | $28,790,000 | 2,350 |
| Average total loans | $147,036,000 | 2,648 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3291% | 992 |
| Cost of funding earning assets | 1.3570% | 412 |
| Net interest margin | 3.9721% | 2,624 |
| Noninterest income to average assets | 0.6071% | 3,216 |
| Noninterest expense to average assets | 3.1046% | 2,915 |
| Loan and lease loss provision to assets | 0.1879% | 3,224 |
| Net operating income to assets | 0.6236% | 4,257 |
| Return on assets (ROA) | 0.7554% | 3,852 |
| Pretax return on assets | 1.0541% | 3,497 |
| Return on Equity (ROE) | 5.4149% | 4,620 |
| Retained earnings to average equity (ytd only) | 5.4149% | 3,035 |
| Net charge-offs to loans | 0.1069% | 4,114 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 14.0897% | 1,735 |
| Efficiency ratio | 74.5661% | 2,977 |
| Assets per employee ($millions) | 3.6591% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 3,619 |
| Loan loss allowance to noncurrent loans | 127.6539% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 2.1750% | 2,569 |
| Noncurrent loans to loans | 1.2503% | 4,050 |
| Net loans and leases to total assets | 69.8646% | 1,943 |
| Net loans and leases to deposits | 89.8123% | 1,162 |
| Net loans and leases to core deposits | 110.9587% | 545 |
| Total domestic deposits to total assets | 77.7896% | 6,200 |
| Equity capital to assets | 13.8049% | 1,177 |
| Core capital (leverage) ratio | 13.8163% | 862 |
| Tier 1 risk-based capital ratio | 18.9639% | 1,978 |
| Total risk-based capital ratio | 20.2178% | 1,957 |
| Memoranda: | ||
| Average total assets | $207,561,000 | 3,002 |
| Average earning assets | $185,846,000 | 3,043 |
| Average equity | $28,957,000 | 2,330 |
| Average total loans | $145,863,330 | 2,674 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3674% | 967 |
| Cost of funding earning assets | 1.4188% | 398 |
| Net interest margin | 3.9486% | 2,725 |
| Noninterest income to average assets | 0.4405% | 4,366 |
| Noninterest expense to average assets | 3.0152% | 3,189 |
| Loan and lease loss provision to assets | 0.1852% | 3,124 |
| Net operating income to assets | 0.5562% | 4,560 |
| Return on assets (ROA) | 0.7484% | 3,868 |
| Pretax return on assets | 1.0330% | 3,559 |
| Return on Equity (ROE) | 5.3358% | 4,620 |
| Retained earnings to average equity (ytd only) | 5.3358% | 3,353 |
| Net charge-offs to loans | -0.0279% | 6,314 |
| Credit loss provision to net charge-offs | -950.0000% | 5,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0197% | 2,785 |
| Assets per employee ($millions) | 3.8440% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 3,505 |
| Loan loss allowance to noncurrent loans | 107.1173% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 2.2656% | 2,632 |
| Noncurrent loans to loans | 1.5486% | 3,789 |
| Net loans and leases to total assets | 67.1021% | 2,275 |
| Net loans and leases to deposits | 86.0787% | 1,408 |
| Net loans and leases to core deposits | 109.1049% | 566 |
| Total domestic deposits to total assets | 77.9544% | 6,266 |
| Equity capital to assets | 13.6547% | 1,173 |
| Core capital (leverage) ratio | 12.2017% | 1,480 |
| Tier 1 risk-based capital ratio | 17.5554% | 2,458 |
| Total risk-based capital ratio | 18.8090% | 2,430 |
| Memoranda: | ||
| Average total assets | $205,227,000 | 3,048 |
| Average earning assets | $183,255,500 | 3,106 |
| Average equity | $28,786,500 | 2,338 |
| Average total loans | $143,456,000 | 2,729 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 2,706 |
| Cost of funding earning assets | 1.7309% | 287 |
| Net interest margin | 3.3098% | 5,779 |
| Noninterest income to average assets | 1.0263% | 1,294 |
| Noninterest expense to average assets | 2.8260% | 4,254 |
| Loan and lease loss provision to assets | 0.3515% | 2,890 |
| Net operating income to assets | 0.5955% | 4,020 |
| Return on assets (ROA) | 0.6254% | 4,054 |
| Pretax return on assets | 0.8761% | 3,686 |
| Return on Equity (ROE) | 5.3483% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.3483% | 2,413 |
| Net charge-offs to loans | 0.2849% | 3,996 |
| Credit loss provision to net charge-offs | 180.7980% | 1,434 |
| Earnings coverage of net charge-offs (x) | 6.0973% | 2,597 |
| Efficiency ratio | 70.4496% | 3,852 |
| Assets per employee ($millions) | 3.9807% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 3,585 |
| Loan loss allowance to noncurrent loans | 124.8770% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 2.2469% | 2,684 |
| Noncurrent loans to loans | 1.2822% | 4,229 |
| Net loans and leases to total assets | 70.5245% | 1,926 |
| Net loans and leases to deposits | 91.7917% | 986 |
| Net loans and leases to core deposits | 116.1498% | 445 |
| Total domestic deposits to total assets | 76.8310% | 6,362 |
| Equity capital to assets | 14.4217% | 923 |
| Core capital (leverage) ratio | 12.8010% | 1,220 |
| Tier 1 risk-based capital ratio | 18.3282% | 2,098 |
| Total risk-based capital ratio | 19.5759% | 2,065 |
| Memoranda: | ||
| Average total assets | $206,266,000 | 2,986 |
| Average earning assets | $186,025,200 | 3,018 |
| Average equity | $24,119,600 | 2,656 |
| Average total loans | $140,745,000 | 2,774 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 3,025 |
| Cost of funding earning assets | 1.7918% | 269 |
| Net interest margin | 3.2203% | 6,112 |
| Noninterest income to average assets | 1.0874% | 1,134 |
| Noninterest expense to average assets | 2.8092% | 4,307 |
| Loan and lease loss provision to assets | 0.3300% | 2,901 |
| Net operating income to assets | 0.6188% | 4,013 |
| Return on assets (ROA) | 0.6292% | 4,147 |
| Pretax return on assets | 0.8824% | 3,837 |
| Return on Equity (ROE) | 5.6992% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.6992% | 2,744 |
| Net charge-offs to loans | 0.3232% | 3,484 |
| Credit loss provision to net charge-offs | 151.4706% | 2,059 |
| Earnings coverage of net charge-offs (x) | 5.4971% | 2,767 |
| Efficiency ratio | 70.1103% | 3,944 |
| Assets per employee ($millions) | 3.9862% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 5,386 |
| Loan loss allowance to noncurrent loans | 89.3004% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.6798% | 3,569 |
| Noncurrent loans to loans | 1.3691% | 4,243 |
| Net loans and leases to total assets | 70.3714% | 2,001 |
| Net loans and leases to deposits | 91.4352% | 1,058 |
| Net loans and leases to core deposits | 114.1608% | 547 |
| Total domestic deposits to total assets | 76.9631% | 6,380 |
| Equity capital to assets | 14.2471% | 1,068 |
| Core capital (leverage) ratio | 12.6264% | 1,377 |
| Tier 1 risk-based capital ratio | 18.9984% | 1,939 |
| Total risk-based capital ratio | 20.2495% | 1,915 |
| Memoranda: | ||
| Average total assets | $208,074,250 | 2,983 |
| Average earning assets | $188,630,750 | 2,992 |
| Average equity | $22,973,500 | 2,780 |
| Average total loans | $140,268,500 | 2,804 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 3,084 |
| Cost of funding earning assets | 1.8771% | 230 |
| Net interest margin | 3.1376% | 6,310 |
| Noninterest income to average assets | 1.0711% | 1,151 |
| Noninterest expense to average assets | 2.7176% | 4,749 |
| Loan and lease loss provision to assets | 0.2512% | 3,393 |
| Net operating income to assets | 0.7150% | 3,469 |
| Return on assets (ROA) | 0.7280% | 3,512 |
| Pretax return on assets | 0.9602% | 3,389 |
| Return on Equity (ROE) | 7.2569% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.2569% | 1,761 |
| Net charge-offs to loans | 0.1088% | 4,603 |
| Credit loss provision to net charge-offs | 348.6842% | 884 |
| Earnings coverage of net charge-offs (x) | 16.5789% | 1,331 |
| Efficiency ratio | 69.4693% | 4,216 |
| Assets per employee ($millions) | 4.1661% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 5,265 |
| Loan loss allowance to noncurrent loans | 286.1111% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 1.3829% | 4,151 |
| Noncurrent loans to loans | 0.4398% | 6,027 |
| Net loans and leases to total assets | 67.3056% | 2,759 |
| Net loans and leases to deposits | 83.5403% | 2,176 |
| Net loans and leases to core deposits | 101.1522% | 1,245 |
| Total domestic deposits to total assets | 80.5667% | 5,667 |
| Equity capital to assets | 10.7211% | 3,265 |
| Core capital (leverage) ratio | 9.3471% | 4,178 |
| Tier 1 risk-based capital ratio | 14.2299% | 3,992 |
| Total risk-based capital ratio | 15.4810% | 3,966 |
| Memoranda: | ||
| Average total assets | $210,995,330 | 2,962 |
| Average earning assets | $191,037,330 | 2,977 |
| Average equity | $21,166,000 | 2,975 |
| Average total loans | $139,693,330 | 2,848 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9348% | 3,385 |
| Cost of funding earning assets | 1.8829% | 271 |
| Net interest margin | 3.0519% | 6,456 |
| Noninterest income to average assets | 1.0596% | 1,170 |
| Noninterest expense to average assets | 2.6434% | 5,065 |
| Loan and lease loss provision to assets | 0.2985% | 2,770 |
| Net operating income to assets | 0.6815% | 3,603 |
| Return on assets (ROA) | 0.7070% | 3,560 |
| Pretax return on assets | 0.9271% | 3,407 |
| Return on Equity (ROE) | 7.2864% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.2864% | 2,027 |
| Net charge-offs to loans | 0.2829% | 2,936 |
| Credit loss provision to net charge-offs | 161.6162% | 1,788 |
| Earnings coverage of net charge-offs (x) | 6.4545% | 2,101 |
| Efficiency ratio | 68.9202% | 4,491 |
| Assets per employee ($millions) | 4.4168% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 5,826 |
| Loan loss allowance to noncurrent loans | 100.7449% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0858% | 4,756 |
| Noncurrent loans to loans | 1.1456% | 4,785 |
| Net loans and leases to total assets | 64.2294% | 3,398 |
| Net loans and leases to deposits | 78.2066% | 3,025 |
| Net loans and leases to core deposits | 95.4889% | 1,713 |
| Total domestic deposits to total assets | 82.1279% | 5,256 |
| Equity capital to assets | 9.7629% | 4,084 |
| Core capital (leverage) ratio | 8.6204% | 5,234 |
| Tier 1 risk-based capital ratio | 13.5692% | 4,380 |
| Total risk-based capital ratio | 14.7464% | 4,396 |
| Memoranda: | ||
| Average total assets | $214,423,500 | 2,943 |
| Average earning assets | $195,023,000 | 2,945 |
| Average equity | $20,806,000 | 3,009 |
| Average total loans | $139,966,000 | 2,890 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4867% | 2,344 |
| Cost of funding earning assets | 2.3592% | 179 |
| Net interest margin | 3.1275% | 6,444 |
| Noninterest income to average assets | 0.5032% | 4,143 |
| Noninterest expense to average assets | 2.5926% | 5,452 |
| Loan and lease loss provision to assets | 0.3443% | 4,078 |
| Net operating income to assets | 0.1839% | 5,326 |
| Return on assets (ROA) | 0.2364% | 5,307 |
| Pretax return on assets | 0.3686% | 5,033 |
| Return on Equity (ROE) | 2.3015% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.3015% | 4,268 |
| Net charge-offs to loans | 0.1804% | 5,239 |
| Credit loss provision to net charge-offs | 267.7165% | 1,038 |
| Earnings coverage of net charge-offs (x) | 4.9055% | 2,769 |
| Efficiency ratio | 80.4303% | 2,359 |
| Assets per employee ($millions) | 4.1652% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 5,866 |
| Loan loss allowance to noncurrent loans | 192.0147% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 5,470 |
| Noncurrent loans to loans | 0.5843% | 5,877 |
| Net loans and leases to total assets | 64.8414% | 3,701 |
| Net loans and leases to deposits | 78.8812% | 3,360 |
| Net loans and leases to core deposits | 94.8041% | 2,159 |
| Total domestic deposits to total assets | 82.2013% | 5,124 |
| Equity capital to assets | 9.6424% | 4,218 |
| Core capital (leverage) ratio | 8.5877% | 5,216 |
| Tier 1 risk-based capital ratio | 13.3288% | 4,350 |
| Total risk-based capital ratio | 14.4653% | 4,394 |
| Memoranda: | ||
| Average total assets | $197,523,800 | 3,133 |
| Average earning assets | $171,798,000 | 3,249 |
| Average equity | $20,291,000 | 3,109 |
| Average total loans | $140,788,400 | 2,935 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6469% | 1,894 |
| Cost of funding earning assets | 2.4900% | 143 |
| Net interest margin | 3.1569% | 6,464 |
| Noninterest income to average assets | 0.3763% | 5,145 |
| Noninterest expense to average assets | 2.5621% | 5,462 |
| Loan and lease loss provision to assets | 0.3715% | 3,667 |
| Net operating income to assets | 0.0654% | 5,852 |
| Return on assets (ROA) | 0.1280% | 5,863 |
| Pretax return on assets | 0.2435% | 5,627 |
| Return on Equity (ROE) | 1.2251% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.2251% | 5,323 |
| Net charge-offs to loans | 0.2758% | 4,292 |
| Credit loss provision to net charge-offs | 184.9315% | 1,959 |
| Earnings coverage of net charge-offs (x) | 2.5754% | 3,865 |
| Efficiency ratio | 83.1993% | 1,929 |
| Assets per employee ($millions) | 3.9944% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 6,505 |
| Loan loss allowance to noncurrent loans | 142.8866% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 5,424 |
| Noncurrent loans to loans | 0.6807% | 5,843 |
| Net loans and leases to total assets | 69.2670% | 2,912 |
| Net loans and leases to deposits | 85.3199% | 2,460 |
| Net loans and leases to core deposits | 101.7479% | 1,681 |
| Total domestic deposits to total assets | 81.1851% | 5,307 |
| Equity capital to assets | 10.3026% | 3,761 |
| Core capital (leverage) ratio | 8.8611% | 4,906 |
| Tier 1 risk-based capital ratio | 13.3368% | 4,326 |
| Total risk-based capital ratio | 14.3610% | 4,464 |
| Memoranda: | ||
| Average total assets | $193,798,250 | 3,225 |
| Average earning assets | $165,939,750 | 3,389 |
| Average equity | $20,243,000 | 3,156 |
| Average total loans | $141,159,750 | 2,960 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7975% | 1,433 |
| Cost of funding earning assets | 2.5977% | 128 |
| Net interest margin | 3.1997% | 6,320 |
| Noninterest income to average assets | 0.6866% | 2,779 |
| Noninterest expense to average assets | 2.5019% | 5,713 |
| Loan and lease loss provision to assets | 0.4095% | 3,271 |
| Net operating income to assets | 0.3265% | 5,081 |
| Return on assets (ROA) | 0.3265% | 5,242 |
| Pretax return on assets | 0.4483% | 5,064 |
| Return on Equity (ROE) | 3.1108% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.1108% | 4,134 |
| Net charge-offs to loans | 0.2985% | 3,827 |
| Credit loss provision to net charge-offs | 185.7143% | 2,121 |
| Earnings coverage of net charge-offs (x) | 3.8905% | 3,134 |
| Efficiency ratio | 74.4688% | 3,379 |
| Assets per employee ($millions) | 4.1273% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 6,686 |
| Loan loss allowance to noncurrent loans | 123.8498% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3109% | 4,527 |
| Noncurrent loans to loans | 0.7448% | 5,770 |
| Net loans and leases to total assets | 71.5155% | 2,533 |
| Net loans and leases to deposits | 88.7441% | 2,046 |
| Net loans and leases to core deposits | 118.2204% | 759 |
| Total domestic deposits to total assets | 80.5861% | 5,539 |
| Equity capital to assets | 10.6415% | 3,230 |
| Core capital (leverage) ratio | 9.1700% | 4,343 |
| Tier 1 risk-based capital ratio | 13.5162% | 4,054 |
| Total risk-based capital ratio | 14.4975% | 4,210 |
| Memoranda: | ||
| Average total assets | $190,492,330 | 3,293 |
| Average earning assets | $159,138,000 | 3,532 |
| Average equity | $19,994,670 | 3,172 |
| Average total loans | $140,715,000 | 2,995 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7687% | 1,561 |
| Cost of funding earning assets | 2.5636% | 185 |
| Net interest margin | 3.2051% | 6,277 |
| Noninterest income to average assets | 0.6257% | 3,115 |
| Noninterest expense to average assets | 2.5412% | 5,574 |
| Loan and lease loss provision to assets | 0.4392% | 2,767 |
| Net operating income to assets | 0.2807% | 5,368 |
| Return on assets (ROA) | 0.2807% | 5,502 |
| Pretax return on assets | 0.3535% | 5,441 |
| Return on Equity (ROE) | 2.6939% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.6939% | 4,526 |
| Net charge-offs to loans | 0.2092% | 3,663 |
| Credit loss provision to net charge-offs | 280.8219% | 1,413 |
| Earnings coverage of net charge-offs (x) | 5.0685% | 2,479 |
| Efficiency ratio | 76.2211% | 3,178 |
| Assets per employee ($millions) | 4.1949% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 6,851 |
| Loan loss allowance to noncurrent loans | 79.6675% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.5546% | 4,169 |
| Noncurrent loans to loans | 1.1248% | 5,115 |
| Net loans and leases to total assets | 69.8952% | 2,968 |
| Net loans and leases to deposits | 86.5728% | 2,490 |
| Net loans and leases to core deposits | 113.1201% | 1,087 |
| Total domestic deposits to total assets | 80.7358% | 5,541 |
| Equity capital to assets | 10.4967% | 3,246 |
| Core capital (leverage) ratio | 10.5994% | 2,536 |
| Tier 1 risk-based capital ratio | 16.2220% | 2,553 |
| Total risk-based capital ratio | 17.1883% | 2,625 |
| Memoranda: | ||
| Average total assets | $186,683,000 | 3,408 |
| Average earning assets | $157,749,000 | 3,615 |
| Average equity | $19,451,000 | 3,272 |
| Average total loans | $139,573,000 | 3,087 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 3,363 |
| Cost of funding earning assets | 2.6498% | 673 |
| Net interest margin | 2.9971% | 6,655 |
| Noninterest income to average assets | 0.8707% | 2,073 |
| Noninterest expense to average assets | 2.7035% | 5,373 |
| Loan and lease loss provision to assets | 0.5674% | 3,540 |
| Net operating income to assets | 0.2690% | 4,651 |
| Return on assets (ROA) | 0.2743% | 4,721 |
| Pretax return on assets | 0.2804% | 4,817 |
| Return on Equity (ROE) | 2.5642% | 4,679 |
| Retained earnings to average equity (ytd only) | 2.5642% | 3,351 |
| Net charge-offs to loans | 0.8951% | 2,604 |
| Credit loss provision to net charge-offs | 79.7791% | 6,283 |
| Earnings coverage of net charge-offs (x) | 1.1844% | 4,938 |
| Efficiency ratio | 76.2440% | 3,485 |
| Assets per employee ($millions) | 3.5961% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 7,144 |
| Loan loss allowance to noncurrent loans | 97.7193% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.5033% | 4,126 |
| Noncurrent loans to loans | 0.8137% | 5,661 |
| Net loans and leases to total assets | 78.8738% | 1,209 |
| Net loans and leases to deposits | 98.7263% | 1,032 |
| Net loans and leases to core deposits | 150.9361% | 492 |
| Total domestic deposits to total assets | 79.8914% | 5,700 |
| Equity capital to assets | 10.3327% | 3,364 |
| Core capital (leverage) ratio | 10.1892% | 2,898 |
| Tier 1 risk-based capital ratio | 13.8173% | 3,624 |
| Total risk-based capital ratio | 14.6771% | 3,816 |
| Memoranda: | ||
| Average total assets | $165,490,400 | 3,680 |
| Average earning assets | $147,707,000 | 3,750 |
| Average equity | $17,705,000 | 3,549 |
| Average total loans | $131,486,600 | 3,240 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6188% | 3,751 |
| Cost of funding earning assets | 2.6532% | 902 |
| Net interest margin | 2.9656% | 6,698 |
| Noninterest income to average assets | 0.7796% | 2,551 |
| Noninterest expense to average assets | 2.7295% | 5,197 |
| Loan and lease loss provision to assets | 0.5683% | 3,112 |
| Net operating income to assets | 0.1548% | 5,307 |
| Return on assets (ROA) | 0.1621% | 5,340 |
| Pretax return on assets | 0.1245% | 5,474 |
| Return on Equity (ROE) | 1.5017% | 5,332 |
| Retained earnings to average equity (ytd only) | 1.5017% | 4,473 |
| Net charge-offs to loans | 1.0845% | 1,837 |
| Credit loss provision to net charge-offs | 65.9696% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.7956% | 5,256 |
| Efficiency ratio | 79.9281% | 2,856 |
| Assets per employee ($millions) | 4.0632% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 7,279 |
| Loan loss allowance to noncurrent loans | 102.4768% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.6358% | 3,909 |
| Noncurrent loans to loans | 0.7262% | 5,854 |
| Net loans and leases to total assets | 75.8065% | 2,028 |
| Net loans and leases to deposits | 94.9345% | 1,723 |
| Net loans and leases to core deposits | 139.9945% | 914 |
| Total domestic deposits to total assets | 79.8513% | 5,494 |
| Equity capital to assets | 10.2744% | 3,758 |
| Core capital (leverage) ratio | 10.0102% | 3,267 |
| Tier 1 risk-based capital ratio | 14.2158% | 3,430 |
| Total risk-based capital ratio | 15.0254% | 3,619 |
| Memoranda: | ||
| Average total assets | $162,811,000 | 3,746 |
| Average earning assets | $144,676,500 | 3,826 |
| Average equity | $17,579,500 | 3,598 |
| Average total loans | $129,334,250 | 3,309 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6237% | 3,946 |
| Cost of funding earning assets | 2.6447% | 1,174 |
| Net interest margin | 2.9790% | 6,611 |
| Noninterest income to average assets | 0.7945% | 2,440 |
| Noninterest expense to average assets | 2.8028% | 4,950 |
| Loan and lease loss provision to assets | 0.3400% | 3,898 |
| Net operating income to assets | 0.2454% | 5,105 |
| Return on assets (ROA) | 0.2543% | 5,165 |
| Pretax return on assets | 0.3223% | 5,158 |
| Return on Equity (ROE) | 2.3144% | 5,174 |
| Retained earnings to average equity (ytd only) | 2.3144% | 4,049 |
| Net charge-offs to loans | 1.4160% | 1,328 |
| Credit loss provision to net charge-offs | 29.8013% | 6,036 |
| Earnings coverage of net charge-offs (x) | 0.5706% | 5,140 |
| Efficiency ratio | 81.1520% | 2,861 |
| Assets per employee ($millions) | 3.9959% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5261% | 7,760 |
| Loan loss allowance to noncurrent loans | 83.0549% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 4,268 |
| Noncurrent loans to loans | 0.6335% | 5,979 |
| Net loans and leases to total assets | 78.4090% | 1,659 |
| Net loans and leases to deposits | 98.9845% | 1,392 |
| Net loans and leases to core deposits | 123.9082% | 2,034 |
| Total domestic deposits to total assets | 79.2134% | 5,746 |
| Equity capital to assets | 10.4624% | 3,451 |
| Core capital (leverage) ratio | 10.5036% | 2,811 |
| Tier 1 risk-based capital ratio | 14.2612% | 3,374 |
| Total risk-based capital ratio | 14.8265% | 3,701 |
| Memoranda: | ||
| Average total assets | $158,842,670 | 3,851 |
| Average earning assets | $141,793,330 | 3,908 |
| Average equity | $17,455,670 | 3,627 |
| Average total loans | $127,966,000 | 3,381 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 4,550 |
| Cost of funding earning assets | 2.6332% | 1,470 |
| Net interest margin | 2.9309% | 6,666 |
| Noninterest income to average assets | 0.7930% | 2,364 |
| Noninterest expense to average assets | 2.7755% | 4,676 |
| Loan and lease loss provision to assets | 0.3110% | 3,479 |
| Net operating income to assets | 0.2639% | 5,422 |
| Return on assets (ROA) | 0.2721% | 5,570 |
| Pretax return on assets | 0.3447% | 5,548 |
| Return on Equity (ROE) | 2.4132% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.4132% | 4,535 |
| Net charge-offs to loans | 0.0254% | 5,187 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 31.1250% | 1,024 |
| Efficiency ratio | 81.1364% | 2,659 |
| Assets per employee ($millions) | 3.7308% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 5,237 |
| Loan loss allowance to noncurrent loans | 167.7120% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 1.6070% | 3,510 |
| Noncurrent loans to loans | 0.6755% | 5,715 |
| Net loans and leases to total assets | 78.5480% | 1,684 |
| Net loans and leases to deposits | 100.2386% | 1,382 |
| Net loans and leases to core deposits | 136.7181% | 1,262 |
| Total domestic deposits to total assets | 78.3610% | 5,904 |
| Equity capital to assets | 10.9018% | 3,071 |
| Core capital (leverage) ratio | 10.9323% | 2,555 |
| Tier 1 risk-based capital ratio | 14.8307% | 3,144 |
| Total risk-based capital ratio | 16.0510% | 3,085 |
| Memoranda: | ||
| Average total assets | $154,349,500 | 3,939 |
| Average earning assets | $138,388,500 | 3,988 |
| Average equity | $17,404,000 | 3,652 |
| Average total loans | $125,804,500 | 3,449 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2570% | 4,205 |
| Cost of funding earning assets | 2.9084% | 2,232 |
| Net interest margin | 3.3486% | 5,867 |
| Noninterest income to average assets | 1.0655% | 1,384 |
| Noninterest expense to average assets | 3.2515% | 3,152 |
| Loan and lease loss provision to assets | 0.3190% | 3,823 |
| Net operating income to assets | 0.3729% | 5,259 |
| Return on assets (ROA) | 0.3828% | 5,032 |
| Pretax return on assets | 0.5089% | 4,946 |
| Return on Equity (ROE) | 3.0434% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.0434% | 3,269 |
| Net charge-offs to loans | 1.2665% | 944 |
| Credit loss provision to net charge-offs | 31.0714% | 6,519 |
| Earnings coverage of net charge-offs (x) | 0.7936% | 5,754 |
| Efficiency ratio | 79.9639% | 2,603 |
| Assets per employee ($millions) | 3.7069% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 5,460 |
| Loan loss allowance to noncurrent loans | 132.8685% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 1.6314% | 2,985 |
| Noncurrent loans to loans | 0.8087% | 5,022 |
| Net loans and leases to total assets | 82.8334% | 1,073 |
| Net loans and leases to deposits | 108.0172% | 973 |
| Net loans and leases to core deposits | 151.9435% | 783 |
| Total domestic deposits to total assets | 76.6854% | 6,073 |
| Equity capital to assets | 11.6802% | 2,514 |
| Core capital (leverage) ratio | 11.7446% | 2,102 |
| Tier 1 risk-based capital ratio | 15.0312% | 3,030 |
| Total risk-based capital ratio | 16.1811% | 2,992 |
| Memoranda: | ||
| Average total assets | $136,369,600 | 4,154 |
| Average earning assets | $122,199,400 | 4,208 |
| Average equity | $17,151,600 | 3,709 |
| Average total loans | $110,538,000 | 3,664 |