Home > Community Resource Bank > Performance and Condition Ratios
Community Resource Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5902% | 1,968 |
| Cost of funding earning assets | 2.0985% | 1,989 |
| Net interest margin | 3.4917% | 2,097 |
| Noninterest income to average assets | 0.5300% | 1,792 |
| Noninterest expense to average assets | 2.7076% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.8050% | 2,679 |
| Return on assets (ROA) | 0.8050% | 2,686 |
| Pretax return on assets | 1.1043% | 2,225 |
| Return on Equity (ROE) | 7.9400% | 2,773 |
| Retained earnings to average equity (ytd only) | -4.8309% | 4,286 |
| Net charge-offs to loans | 0.0207% | 2,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 65.2769% | 1,056 |
| Efficiency ratio | 71.0296% | 1,871 |
| Assets per employee ($millions) | 7.5448% | 1,823 |
| Cash dividends to net income (ytd only)* | 160.8471% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,293 |
| Loan loss allowance to noncurrent loans | 235.7483% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 1,431 |
| Noncurrent loans to loans | 0.5950% | 1,609 |
| Net loans and leases to total assets | 83.0700% | 350 |
| Net loans and leases to deposits | 104.0392% | 316 |
| Net loans and leases to core deposits | 115.1767% | 754 |
| Total domestic deposits to total assets | 79.8400% | 3,584 |
| Equity capital to assets | 10.0202% | 2,122 |
| Core capital (leverage) ratio | 9.7358% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9806% | 2,229 |
| Memoranda: | ||
| Average total assets | $384,213,400 | 2,089 |
| Average earning assets | $360,879,800 | 2,064 |
| Average equity | $38,957,400 | 2,017 |
| Average total loans | $314,122,600 | 1,805 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5236% | 2,036 |
| Cost of funding earning assets | 2.0884% | 2,007 |
| Net interest margin | 3.4352% | 2,166 |
| Noninterest income to average assets | 0.5100% | 1,850 |
| Noninterest expense to average assets | 2.6220% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.8153% | 2,641 |
| Return on assets (ROA) | 0.8153% | 2,658 |
| Pretax return on assets | 1.1189% | 2,197 |
| Return on Equity (ROE) | 8.0200% | 2,764 |
| Retained earnings to average equity (ytd only) | -0.3907% | 4,067 |
| Net charge-offs to loans | 0.0043% | 2,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 323.9000% | 359 |
| Efficiency ratio | 70.0896% | 2,012 |
| Assets per employee ($millions) | 7.5953% | 1,749 |
| Cash dividends to net income (ytd only)* | 104.8729% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,252 |
| Loan loss allowance to noncurrent loans | 349.8450% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 1,853 |
| Noncurrent loans to loans | 0.4083% | 2,055 |
| Net loans and leases to total assets | 82.0000% | 415 |
| Net loans and leases to deposits | 99.5397% | 516 |
| Net loans and leases to core deposits | 120.5344% | 606 |
| Total domestic deposits to total assets | 82.3800% | 3,008 |
| Equity capital to assets | 10.6076% | 1,925 |
| Core capital (leverage) ratio | 10.1169% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5466% | 2,057 |
| Memoranda: | ||
| Average total assets | $385,957,000 | 2,080 |
| Average earning assets | $362,822,000 | 2,063 |
| Average equity | $39,246,750 | 2,010 |
| Average total loans | $313,197,000 | 1,805 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4413% | 2,080 |
| Cost of funding earning assets | 2.0393% | 2,026 |
| Net interest margin | 3.4019% | 2,169 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 2.5978% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8092% | 2,599 |
| Return on assets (ROA) | 0.8092% | 2,616 |
| Pretax return on assets | 1.1118% | 2,179 |
| Return on Equity (ROE) | 8.0700% | 2,714 |
| Retained earnings to average equity (ytd only) | -1.3470% | 4,094 |
| Net charge-offs to loans | 0.0077% | 2,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 179.7500% | 535 |
| Efficiency ratio | 70.0292% | 2,110 |
| Assets per employee ($millions) | 7.4419% | 1,771 |
| Cash dividends to net income (ytd only)* | 116.6879% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,243 |
| Loan loss allowance to noncurrent loans | 331.4475% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 1,730 |
| Noncurrent loans to loans | 0.4348% | 1,908 |
| Net loans and leases to total assets | 81.2800% | 549 |
| Net loans and leases to deposits | 96.5296% | 755 |
| Net loans and leases to core deposits | 115.1930% | 789 |
| Total domestic deposits to total assets | 84.2000% | 2,562 |
| Equity capital to assets | 10.2388% | 1,948 |
| Core capital (leverage) ratio | 9.9558% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5772% | 2,038 |
| Memoranda: | ||
| Average total assets | $388,020,333 | 2,065 |
| Average earning assets | $365,026,000 | 2,054 |
| Average equity | $38,901,000 | 1,994 |
| Average total loans | $312,290,667 | 1,806 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 2,006 |
| Cost of funding earning assets | 1.9843% | 2,030 |
| Net interest margin | 3.4111% | 2,077 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.6258% | 1,893 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7913% | 2,571 |
| Return on assets (ROA) | 0.7913% | 2,587 |
| Pretax return on assets | 1.0870% | 2,172 |
| Return on Equity (ROE) | 7.9800% | 2,699 |
| Retained earnings to average equity (ytd only) | -4.2444% | 4,091 |
| Net charge-offs to loans | 0.0026% | 2,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 533.0000% | 188 |
| Efficiency ratio | 70.7223% | 2,071 |
| Assets per employee ($millions) | 7.2884% | 1,896 |
| Cash dividends to net income (ytd only)* | 153.2216% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,238 |
| Loan loss allowance to noncurrent loans | 261.3295% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 1,421 |
| Noncurrent loans to loans | 0.5522% | 1,543 |
| Net loans and leases to total assets | 78.4500% | 792 |
| Net loans and leases to deposits | 94.9715% | 793 |
| Net loans and leases to core deposits | 114.7646% | 787 |
| Total domestic deposits to total assets | 82.6000% | 3,072 |
| Equity capital to assets | 9.8223% | 2,119 |
| Core capital (leverage) ratio | 9.7611% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4361% | 2,097 |
| Memoranda: | ||
| Average total assets | $392,262,500 | 2,062 |
| Average earning assets | $369,502,500 | 2,045 |
| Average equity | $38,921,500 | 1,994 |
| Average total loans | $311,932,500 | 1,802 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 1,858 |
| Cost of funding earning assets | 1.6094% | 1,665 |
| Net interest margin | 3.4872% | 2,214 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.4871% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9517% | 2,357 |
| Return on assets (ROA) | 0.9517% | 2,349 |
| Pretax return on assets | 1.3041% | 1,864 |
| Return on Equity (ROE) | 9.8000% | 2,554 |
| Retained earnings to average equity (ytd only) | 1.3297% | 3,752 |
| Net charge-offs to loans | 0.0062% | 2,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 470 |
| Efficiency ratio | 65.6016% | 2,402 |
| Assets per employee ($millions) | 7.3764% | 1,822 |
| Cash dividends to net income (ytd only)* | 86.4370% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,185 |
| Loan loss allowance to noncurrent loans | 293.7013% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 1,410 |
| Noncurrent loans to loans | 0.4958% | 1,545 |
| Net loans and leases to total assets | 78.2900% | 836 |
| Net loans and leases to deposits | 93.6752% | 964 |
| Net loans and leases to core deposits | 113.4327% | 831 |
| Total domestic deposits to total assets | 83.5700% | 2,736 |
| Equity capital to assets | 10.0230% | 1,991 |
| Core capital (leverage) ratio | 9.8309% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7415% | 1,963 |
| Memoranda: | ||
| Average total assets | $390,450,200 | 2,044 |
| Average earning assets | $366,283,400 | 2,025 |
| Average equity | $37,902,200 | 1,945 |
| Average total loans | $305,003,000 | 1,772 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 1,772 |
| Cost of funding earning assets | 1.5028% | 1,597 |
| Net interest margin | 3.5277% | 2,151 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.6036% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8734% | 2,786 |
| Return on assets (ROA) | 0.8734% | 2,767 |
| Pretax return on assets | 1.1983% | 2,300 |
| Return on Equity (ROE) | 9.0700% | 2,909 |
| Retained earnings to average equity (ytd only) | -2.3238% | 4,338 |
| Net charge-offs to loans | -0.0057% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.4816% | 1,965 |
| Assets per employee ($millions) | 7.5596% | 1,594 |
| Cash dividends to net income (ytd only)* | 125.6160% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,100 |
| Loan loss allowance to noncurrent loans | 478.9695% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 1,915 |
| Noncurrent loans to loans | 0.3143% | 2,106 |
| Net loans and leases to total assets | 75.8200% | 1,145 |
| Net loans and leases to deposits | 90.1393% | 1,230 |
| Net loans and leases to core deposits | 110.4122% | 860 |
| Total domestic deposits to total assets | 84.1200% | 2,742 |
| Equity capital to assets | 9.3818% | 2,177 |
| Core capital (leverage) ratio | 9.4169% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5238% | 2,070 |
| Memoranda: | ||
| Average total assets | $390,325,250 | 2,041 |
| Average earning assets | $365,711,000 | 2,021 |
| Average equity | $37,581,500 | 1,945 |
| Average total loans | $303,607,250 | 1,781 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 1,763 |
| Cost of funding earning assets | 1.3360% | 1,619 |
| Net interest margin | 3.5631% | 2,122 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.5927% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9014% | 2,750 |
| Return on assets (ROA) | 0.9014% | 2,737 |
| Pretax return on assets | 1.2399% | 2,254 |
| Return on Equity (ROE) | 9.2800% | 2,897 |
| Retained earnings to average equity (ytd only) | -4.0830% | 4,392 |
| Net charge-offs to loans | -0.0066% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6494% | 2,022 |
| Assets per employee ($millions) | 7.7884% | 1,423 |
| Cash dividends to net income (ytd only)* | 143.9886% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,147 |
| Loan loss allowance to noncurrent loans | 433.5238% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 1,764 |
| Noncurrent loans to loans | 0.3484% | 1,881 |
| Net loans and leases to total assets | 73.2900% | 1,369 |
| Net loans and leases to deposits | 86.4969% | 1,463 |
| Net loans and leases to core deposits | 106.7671% | 956 |
| Total domestic deposits to total assets | 84.7400% | 2,611 |
| Equity capital to assets | 9.2265% | 2,357 |
| Core capital (leverage) ratio | 9.2702% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5670% | 2,074 |
| Memoranda: | ||
| Average total assets | $389,400,000 | 2,044 |
| Average earning assets | $364,683,333 | 2,029 |
| Average equity | $37,815,333 | 1,948 |
| Average total loans | $303,938,000 | 1,763 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 1,689 |
| Cost of funding earning assets | 1.0848% | 1,792 |
| Net interest margin | 3.6852% | 1,931 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.7652% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8480% | 3,028 |
| Return on assets (ROA) | 0.8480% | 2,980 |
| Pretax return on assets | 1.1667% | 2,523 |
| Return on Equity (ROE) | 8.5100% | 3,177 |
| Retained earnings to average equity (ytd only) | -10.8624% | 4,492 |
| Net charge-offs to loans | -0.0079% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.3279% | 1,717 |
| Assets per employee ($millions) | 7.3174% | 1,740 |
| Cash dividends to net income (ytd only)* | 227.6885% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,295 |
| Loan loss allowance to noncurrent loans | 438.9961% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 1,679 |
| Noncurrent loans to loans | 0.3398% | 1,930 |
| Net loans and leases to total assets | 77.4500% | 823 |
| Net loans and leases to deposits | 88.5325% | 1,164 |
| Net loans and leases to core deposits | 111.4286% | 657 |
| Total domestic deposits to total assets | 87.4800% | 2,097 |
| Equity capital to assets | 9.6803% | 2,012 |
| Core capital (leverage) ratio | 9.6077% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2329% | 2,288 |
| Memoranda: | ||
| Average total assets | $381,602,500 | 2,097 |
| Average earning assets | $356,557,000 | 2,088 |
| Average equity | $38,039,500 | 1,962 |
| Average total loans | $305,214,000 | 1,772 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 685 |
| Cost of funding earning assets | 0.4622% | 1,635 |
| Net interest margin | 4.0670% | 709 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.3689% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5306% | 819 |
| Return on assets (ROA) | 1.5302% | 796 |
| Pretax return on assets | 2.0981% | 381 |
| Return on Equity (ROE) | 14.5000% | 1,402 |
| Retained earnings to average equity (ytd only) | 8.6073% | 1,601 |
| Net charge-offs to loans | -0.0279% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.9912% | 3,887 |
| Assets per employee ($millions) | 7.2189% | 1,809 |
| Cash dividends to net income (ytd only)* | 40.6534% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 1,697 |
| Loan loss allowance to noncurrent loans | 1,960.4762% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 2,939 |
| Noncurrent loans to loans | 0.0687% | 3,260 |
| Net loans and leases to total assets | 80.2900% | 562 |
| Net loans and leases to deposits | 91.3631% | 955 |
| Net loans and leases to core deposits | 113.0233% | 516 |
| Total domestic deposits to total assets | 87.8800% | 2,112 |
| Equity capital to assets | 10.2660% | 1,576 |
| Core capital (leverage) ratio | 10.2613% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7718% | 2,064 |
| Memoranda: | ||
| Average total assets | $360,082,200 | 2,182 |
| Average earning assets | $337,078,800 | 2,168 |
| Average equity | $37,991,000 | 1,996 |
| Average total loans | $290,175,000 | 1,770 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 558 |
| Cost of funding earning assets | 0.3892% | 1,368 |
| Net interest margin | 4.0302% | 608 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.6624% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3204% | 1,289 |
| Return on assets (ROA) | 1.3204% | 1,262 |
| Pretax return on assets | 1.8312% | 686 |
| Return on Equity (ROE) | 12.4300% | 1,899 |
| Retained earnings to average equity (ytd only) | 4.5366% | 3,268 |
| Net charge-offs to loans | -0.0414% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.1995% | 3,223 |
| Assets per employee ($millions) | 6.9330% | 1,997 |
| Cash dividends to net income (ytd only)* | 63.4921% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,678 |
| Loan loss allowance to noncurrent loans | 1,900.4608% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 3,005 |
| Noncurrent loans to loans | 0.0726% | 3,356 |
| Net loans and leases to total assets | 80.2800% | 507 |
| Net loans and leases to deposits | 92.6998% | 722 |
| Net loans and leases to core deposits | 97.0358% | 950 |
| Total domestic deposits to total assets | 86.6000% | 2,886 |
| Equity capital to assets | 9.8299% | 1,704 |
| Core capital (leverage) ratio | 9.9765% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4442% | 2,291 |
| Memoranda: | ||
| Average total assets | $356,256,500 | 2,210 |
| Average earning assets | $333,671,250 | 2,196 |
| Average equity | $37,854,500 | 2,028 |
| Average total loans | $286,338,000 | 1,781 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 518 |
| Cost of funding earning assets | 0.3745% | 1,084 |
| Net interest margin | 3.9419% | 563 |
| Noninterest income to average assets | 0.6280% | 1,628 |
| Noninterest expense to average assets | 2.6114% | 1,603 |
| Loan and lease loss provision to assets | 0.0057% | 2,499 |
| Net operating income to assets | 1.2306% | 1,329 |
| Return on assets (ROA) | 1.2306% | 1,310 |
| Pretax return on assets | 1.7071% | 741 |
| Return on Equity (ROE) | 11.2873% | 1,894 |
| Retained earnings to average equity (ytd only) | 11.2873% | 744 |
| Net charge-offs to loans | -0.0496% | 4,236 |
| Credit loss provision to net charge-offs | -14.2857% | 2,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3910% | 3,249 |
| Assets per employee ($millions) | 6.3899% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,707 |
| Loan loss allowance to noncurrent loans | 1,197.3761% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 3,047 |
| Noncurrent loans to loans | 0.1179% | 3,141 |
| Net loans and leases to total assets | 80.1595% | 389 |
| Net loans and leases to deposits | 92.5263% | 581 |
| Net loans and leases to core deposits | 96.3394% | 814 |
| Total domestic deposits to total assets | 86.6343% | 3,064 |
| Equity capital to assets | 10.6536% | 1,371 |
| Core capital (leverage) ratio | 10.5664% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1990% | 1,977 |
| Memoranda: | ||
| Average total assets | $352,525,000 | 2,244 |
| Average earning assets | $330,554,333 | 2,224 |
| Average equity | $38,432,667 | 2,065 |
| Average total loans | $282,083,000 | 1,794 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 463 |
| Cost of funding earning assets | 0.3903% | 922 |
| Net interest margin | 3.8842% | 523 |
| Noninterest income to average assets | 0.6025% | 1,684 |
| Noninterest expense to average assets | 2.7564% | 1,240 |
| Loan and lease loss provision to assets | 0.0114% | 2,130 |
| Net operating income to assets | 1.0667% | 1,630 |
| Return on assets (ROA) | 1.0667% | 1,622 |
| Pretax return on assets | 1.4760% | 1,061 |
| Return on Equity (ROE) | 9.6714% | 2,093 |
| Retained earnings to average equity (ytd only) | 9.6714% | 1,105 |
| Net charge-offs to loans | -0.0072% | 3,472 |
| Credit loss provision to net charge-offs | -200.0000% | 2,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9515% | 2,915 |
| Assets per employee ($millions) | 6.1181% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 77.5743% | 407 |
| Net loans and leases to deposits | 88.2236% | 608 |
| Net loans and leases to core deposits | 91.3832% | 846 |
| Total domestic deposits to total assets | 87.9292% | 2,555 |
| Equity capital to assets | 10.9335% | 1,363 |
| Core capital (leverage) ratio | 10.4251% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4914% | 1,995 |
| Memoranda: | ||
| Average total assets | $349,871,000 | 2,256 |
| Average earning assets | $327,994,000 | 2,251 |
| Average equity | $38,588,000 | 2,105 |
| Average total loans | $277,652,500 | 1,802 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 540 |
| Cost of funding earning assets | 0.4549% | 1,161 |
| Net interest margin | 4.1093% | 584 |
| Noninterest income to average assets | 0.8159% | 1,411 |
| Noninterest expense to average assets | 2.6103% | 1,841 |
| Loan and lease loss provision to assets | 0.0699% | 1,680 |
| Net operating income to assets | 1.4432% | 1,151 |
| Return on assets (ROA) | 1.4608% | 1,170 |
| Pretax return on assets | 2.0169% | 583 |
| Return on Equity (ROE) | 12.1517% | 1,758 |
| Retained earnings to average equity (ytd only) | -6.8426% | 4,732 |
| Net charge-offs to loans | 0.1055% | 829 |
| Credit loss provision to net charge-offs | 86.5517% | 1,906 |
| Earnings coverage of net charge-offs (x) | 25.5655% | 1,720 |
| Efficiency ratio | 55.8375% | 3,720 |
| Assets per employee ($millions) | 5.9493% | 2,827 |
| Cash dividends to net income (ytd only)* | 156.3096% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 1,790 |
| Loan loss allowance to noncurrent loans | 1,908.0569% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,567 |
| Noncurrent loans to loans | 0.0752% | 3,557 |
| Net loans and leases to total assets | 78.8330% | 328 |
| Net loans and leases to deposits | 90.9763% | 526 |
| Net loans and leases to core deposits | 95.1158% | 728 |
| Total domestic deposits to total assets | 86.6522% | 2,641 |
| Equity capital to assets | 11.1242% | 1,716 |
| Core capital (leverage) ratio | 9.8551% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0446% | 2,227 |
| Memoranda: | ||
| Average total assets | $359,118,400 | 2,153 |
| Average earning assets | $337,231,400 | 2,149 |
| Average equity | $43,170,800 | 1,972 |
| Average total loans | $274,808,800 | 1,817 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4745% | 700 |
| Cost of funding earning assets | 0.4719% | 1,202 |
| Net interest margin | 4.0026% | 794 |
| Noninterest income to average assets | 0.8532% | 1,372 |
| Noninterest expense to average assets | 2.6685% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4098% | 1,508 |
| Return on assets (ROA) | 1.4332% | 1,506 |
| Pretax return on assets | 1.9748% | 833 |
| Return on Equity (ROE) | 11.7097% | 2,139 |
| Retained earnings to average equity (ytd only) | 11.7097% | 896 |
| Net charge-offs to loans | -0.0054% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8379% | 3,290 |
| Assets per employee ($millions) | 6.1110% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 1,607 |
| Loan loss allowance to noncurrent loans | 618.5129% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 2,917 |
| Noncurrent loans to loans | 0.2435% | 2,960 |
| Net loans and leases to total assets | 72.7137% | 807 |
| Net loans and leases to deposits | 84.4821% | 928 |
| Net loans and leases to core deposits | 88.2360% | 1,139 |
| Total domestic deposits to total assets | 86.0699% | 2,720 |
| Equity capital to assets | 12.5730% | 1,145 |
| Core capital (leverage) ratio | 11.5344% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3040% | 1,289 |
| Memoranda: | ||
| Average total assets | $361,146,000 | 2,165 |
| Average earning assets | $339,308,000 | 2,157 |
| Average equity | $44,201,750 | 1,968 |
| Average total loans | $273,327,000 | 1,851 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 885 |
| Cost of funding earning assets | 0.4996% | 1,204 |
| Net interest margin | 3.8744% | 1,017 |
| Noninterest income to average assets | 0.8772% | 1,338 |
| Noninterest expense to average assets | 2.6540% | 1,710 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3412% | 1,738 |
| Return on assets (ROA) | 1.3632% | 1,743 |
| Pretax return on assets | 1.8903% | 1,039 |
| Return on Equity (ROE) | 11.2419% | 2,323 |
| Retained earnings to average equity (ytd only) | 11.2419% | 1,067 |
| Net charge-offs to loans | 0.0015% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,673.0000% | 69 |
| Efficiency ratio | 58.7626% | 3,179 |
| Assets per employee ($millions) | 6.0759% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,806 |
| Loan loss allowance to noncurrent loans | 2,802.0690% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 3,995 |
| Noncurrent loans to loans | 0.0514% | 3,922 |
| Net loans and leases to total assets | 74.9678% | 677 |
| Net loans and leases to deposits | 86.6010% | 877 |
| Net loans and leases to core deposits | 90.3731% | 1,115 |
| Total domestic deposits to total assets | 86.5670% | 2,521 |
| Equity capital to assets | 12.0616% | 1,333 |
| Core capital (leverage) ratio | 11.2280% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3756% | 1,511 |
| Memoranda: | ||
| Average total assets | $359,308,000 | 2,163 |
| Average earning assets | $337,500,667 | 2,151 |
| Average equity | $43,569,000 | 1,972 |
| Average total loans | $274,206,667 | 1,863 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 767 |
| Cost of funding earning assets | 0.5311% | 1,193 |
| Net interest margin | 3.9758% | 878 |
| Noninterest income to average assets | 0.9953% | 1,137 |
| Noninterest expense to average assets | 2.8514% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3507% | 1,681 |
| Return on assets (ROA) | 1.3856% | 1,691 |
| Pretax return on assets | 1.9217% | 1,077 |
| Return on Equity (ROE) | 11.3950% | 2,227 |
| Retained earnings to average equity (ytd only) | 11.3950% | 1,300 |
| Net charge-offs to loans | 0.0089% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 276.6667% | 316 |
| Efficiency ratio | 60.2966% | 2,995 |
| Assets per employee ($millions) | 6.0829% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,647 |
| Loan loss allowance to noncurrent loans | 2,114.0625% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,995 |
| Noncurrent loans to loans | 0.0704% | 3,938 |
| Net loans and leases to total assets | 74.8213% | 733 |
| Net loans and leases to deposits | 87.3565% | 866 |
| Net loans and leases to core deposits | 92.8025% | 1,055 |
| Total domestic deposits to total assets | 85.6505% | 2,870 |
| Equity capital to assets | 12.1051% | 1,241 |
| Core capital (leverage) ratio | 11.2390% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,646,500 | 2,166 |
| Average earning assets | $332,111,000 | 2,166 |
| Average equity | $43,001,500 | 1,985 |
| Average total loans | $270,351,500 | 1,875 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 672 |
| Cost of funding earning assets | 0.7648% | 1,372 |
| Net interest margin | 4.0848% | 811 |
| Noninterest income to average assets | 1.0916% | 896 |
| Noninterest expense to average assets | 2.9042% | 1,673 |
| Loan and lease loss provision to assets | 0.1506% | 2,491 |
| Net operating income to assets | 1.3366% | 1,157 |
| Return on assets (ROA) | 1.3633% | 1,189 |
| Pretax return on assets | 1.8846% | 572 |
| Return on Equity (ROE) | 10.0756% | 1,976 |
| Retained earnings to average equity (ytd only) | -3.2814% | 4,779 |
| Net charge-offs to loans | -0.0355% | 4,591 |
| Credit loss provision to net charge-offs | -537.6344% | 3,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2006% | 3,568 |
| Assets per employee ($millions) | 5.6194% | 2,720 |
| Cash dividends to net income (ytd only)* | 132.5674% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 1,529 |
| Loan loss allowance to noncurrent loans | 482.7791% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 2,855 |
| Noncurrent loans to loans | 0.3140% | 3,074 |
| Net loans and leases to total assets | 75.7895% | 812 |
| Net loans and leases to deposits | 88.7194% | 1,021 |
| Net loans and leases to core deposits | 94.5911% | 1,205 |
| Total domestic deposits to total assets | 85.4261% | 2,605 |
| Equity capital to assets | 12.2155% | 1,473 |
| Core capital (leverage) ratio | 11.0517% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,000,600 | 2,129 |
| Average earning assets | $310,006,600 | 2,116 |
| Average equity | $44,920,400 | 1,850 |
| Average total loans | $262,180,200 | 1,859 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 787 |
| Cost of funding earning assets | 0.8053% | 1,470 |
| Net interest margin | 4.0599% | 978 |
| Noninterest income to average assets | 1.0556% | 933 |
| Noninterest expense to average assets | 2.9130% | 1,671 |
| Loan and lease loss provision to assets | 0.1525% | 2,487 |
| Net operating income to assets | 1.2811% | 1,397 |
| Return on assets (ROA) | 1.3170% | 1,403 |
| Pretax return on assets | 1.8221% | 751 |
| Return on Equity (ROE) | 9.4891% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.4891% | 867 |
| Net charge-offs to loans | 0.0153% | 2,577 |
| Credit loss provision to net charge-offs | 1,250.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 158.1333% | 577 |
| Efficiency ratio | 60.1612% | 3,371 |
| Assets per employee ($millions) | 5.5310% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,939 |
| Loan loss allowance to noncurrent loans | 342.3318% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 2,841 |
| Noncurrent loans to loans | 0.3954% | 2,872 |
| Net loans and leases to total assets | 81.1094% | 512 |
| Net loans and leases to deposits | 96.7020% | 710 |
| Net loans and leases to core deposits | 103.9643% | 927 |
| Total domestic deposits to total assets | 83.8756% | 2,857 |
| Equity capital to assets | 13.7842% | 910 |
| Core capital (leverage) ratio | 12.5875% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,900,000 | 2,128 |
| Average earning assets | $305,815,500 | 2,126 |
| Average equity | $45,510,750 | 1,825 |
| Average total loans | $260,695,750 | 1,855 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 847 |
| Cost of funding earning assets | 0.8530% | 1,585 |
| Net interest margin | 4.1312% | 1,056 |
| Noninterest income to average assets | 1.0740% | 867 |
| Noninterest expense to average assets | 2.8164% | 2,059 |
| Loan and lease loss provision to assets | 0.1164% | 2,857 |
| Net operating income to assets | 1.4325% | 1,049 |
| Return on assets (ROA) | 1.4692% | 1,072 |
| Pretax return on assets | 2.0366% | 506 |
| Return on Equity (ROE) | 10.5599% | 1,790 |
| Retained earnings to average equity (ytd only) | 10.5599% | 679 |
| Net charge-offs to loans | -0.0110% | 4,227 |
| Credit loss provision to net charge-offs | -1,342.8571% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2094% | 3,786 |
| Assets per employee ($millions) | 5.3123% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,699 |
| Loan loss allowance to noncurrent loans | 237.3385% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 2,497 |
| Noncurrent loans to loans | 0.5765% | 2,425 |
| Net loans and leases to total assets | 77.9050% | 857 |
| Net loans and leases to deposits | 93.0566% | 1,043 |
| Net loans and leases to core deposits | 101.6499% | 1,139 |
| Total domestic deposits to total assets | 83.7179% | 2,842 |
| Equity capital to assets | 13.6512% | 943 |
| Core capital (leverage) ratio | 12.5187% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,893,000 | 2,133 |
| Average earning assets | $300,832,333 | 2,125 |
| Average equity | $44,924,667 | 1,830 |
| Average total loans | $253,608,333 | 1,878 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 789 |
| Cost of funding earning assets | 0.9089% | 1,819 |
| Net interest margin | 4.1926% | 938 |
| Noninterest income to average assets | 0.9098% | 1,048 |
| Noninterest expense to average assets | 2.7651% | 2,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4717% | 832 |
| Return on assets (ROA) | 1.4888% | 878 |
| Pretax return on assets | 2.0640% | 397 |
| Return on Equity (ROE) | 10.5928% | 1,536 |
| Retained earnings to average equity (ytd only) | 10.5928% | 631 |
| Net charge-offs to loans | -0.0260% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5172% | 4,066 |
| Assets per employee ($millions) | 4.8784% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 1,618 |
| Loan loss allowance to noncurrent loans | 72.6515% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5254% | 692 |
| Noncurrent loans to loans | 1.9580% | 743 |
| Net loans and leases to total assets | 76.2246% | 1,262 |
| Net loans and leases to deposits | 92.2028% | 1,260 |
| Net loans and leases to core deposits | 102.5094% | 1,284 |
| Total domestic deposits to total assets | 82.6706% | 3,217 |
| Equity capital to assets | 14.1146% | 1,023 |
| Core capital (leverage) ratio | 13.2951% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,346,500 | 2,132 |
| Average earning assets | $292,228,500 | 2,120 |
| Average equity | $44,181,000 | 1,843 |
| Average total loans | $246,142,500 | 1,890 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 1,131 |
| Cost of funding earning assets | 0.9265% | 2,075 |
| Net interest margin | 4.2135% | 1,297 |
| Noninterest income to average assets | 0.7007% | 1,818 |
| Noninterest expense to average assets | 2.7156% | 2,843 |
| Loan and lease loss provision to assets | 0.0280% | 3,457 |
| Net operating income to assets | 1.3592% | 1,478 |
| Return on assets (ROA) | 1.3724% | 1,515 |
| Pretax return on assets | 1.8843% | 771 |
| Return on Equity (ROE) | 10.3416% | 2,143 |
| Retained earnings to average equity (ytd only) | 10.3416% | 427 |
| Net charge-offs to loans | -0.1052% | 4,964 |
| Credit loss provision to net charge-offs | -33.8521% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8912% | 3,851 |
| Assets per employee ($millions) | 4.8687% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,507 |
| Loan loss allowance to noncurrent loans | 98.9174% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.2304% | 937 |
| Noncurrent loans to loans | 1.4205% | 1,034 |
| Net loans and leases to total assets | 78.1843% | 1,052 |
| Net loans and leases to deposits | 95.2046% | 1,028 |
| Net loans and leases to core deposits | 105.6984% | 1,125 |
| Total domestic deposits to total assets | 82.1224% | 3,477 |
| Equity capital to assets | 13.9941% | 1,105 |
| Core capital (leverage) ratio | 12.8263% | 1,321 |
| Tier 1 risk-based capital ratio | 15.8751% | 2,449 |
| Total risk-based capital ratio | 17.1267% | 2,392 |
| Memoranda: | ||
| Average total assets | $310,986,200 | 2,102 |
| Average earning assets | $288,616,800 | 2,094 |
| Average equity | $41,270,200 | 1,876 |
| Average total loans | $244,404,600 | 1,861 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1533% | 1,146 |
| Cost of funding earning assets | 0.9204% | 2,133 |
| Net interest margin | 4.2329% | 1,298 |
| Noninterest income to average assets | 0.6503% | 1,985 |
| Noninterest expense to average assets | 2.6384% | 3,043 |
| Loan and lease loss provision to assets | 0.0330% | 3,249 |
| Net operating income to assets | 1.3846% | 1,513 |
| Return on assets (ROA) | 1.4022% | 1,520 |
| Pretax return on assets | 1.9290% | 810 |
| Return on Equity (ROE) | 10.7125% | 2,135 |
| Retained earnings to average equity (ytd only) | 10.7125% | 579 |
| Net charge-offs to loans | -0.1838% | 5,100 |
| Credit loss provision to net charge-offs | -22.9167% | 3,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6314% | 3,987 |
| Assets per employee ($millions) | 4.7636% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 1,461 |
| Loan loss allowance to noncurrent loans | 100.2548% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.2337% | 1,011 |
| Noncurrent loans to loans | 1.4272% | 1,067 |
| Net loans and leases to total assets | 78.7846% | 1,019 |
| Net loans and leases to deposits | 95.8334% | 1,032 |
| Net loans and leases to core deposits | 106.5677% | 1,142 |
| Total domestic deposits to total assets | 82.2099% | 3,412 |
| Equity capital to assets | 13.7766% | 1,244 |
| Core capital (leverage) ratio | 12.6121% | 1,522 |
| Tier 1 risk-based capital ratio | 15.3590% | 2,683 |
| Total risk-based capital ratio | 16.6107% | 2,618 |
| Memoranda: | ||
| Average total assets | $310,833,750 | 2,108 |
| Average earning assets | $288,428,500 | 2,107 |
| Average equity | $40,686,500 | 1,910 |
| Average total loans | $243,733,000 | 1,870 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1039% | 1,211 |
| Cost of funding earning assets | 0.9083% | 2,100 |
| Net interest margin | 4.1956% | 1,374 |
| Noninterest income to average assets | 0.5796% | 2,247 |
| Noninterest expense to average assets | 2.6353% | 3,101 |
| Loan and lease loss provision to assets | 0.0482% | 2,853 |
| Net operating income to assets | 1.3063% | 1,745 |
| Return on assets (ROA) | 1.3109% | 1,797 |
| Pretax return on assets | 1.7993% | 1,033 |
| Return on Equity (ROE) | 10.1924% | 2,295 |
| Retained earnings to average equity (ytd only) | 10.1924% | 704 |
| Net charge-offs to loans | -0.2384% | 5,152 |
| Credit loss provision to net charge-offs | -25.9516% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8632% | 3,883 |
| Assets per employee ($millions) | 4.8435% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,511 |
| Loan loss allowance to noncurrent loans | 83.0045% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 809 |
| Noncurrent loans to loans | 1.7169% | 887 |
| Net loans and leases to total assets | 76.7207% | 1,433 |
| Net loans and leases to deposits | 93.4798% | 1,315 |
| Net loans and leases to core deposits | 106.1156% | 1,240 |
| Total domestic deposits to total assets | 82.0719% | 3,489 |
| Equity capital to assets | 13.1521% | 1,516 |
| Core capital (leverage) ratio | 12.2879% | 1,649 |
| Tier 1 risk-based capital ratio | 14.9878% | 2,852 |
| Total risk-based capital ratio | 16.2394% | 2,768 |
| Memoranda: | ||
| Average total assets | $311,234,000 | 2,107 |
| Average earning assets | $289,110,670 | 2,102 |
| Average equity | $40,029,670 | 1,929 |
| Average total loans | $242,482,670 | 1,884 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 1,545 |
| Cost of funding earning assets | 0.8871% | 2,064 |
| Net interest margin | 4.0330% | 1,739 |
| Noninterest income to average assets | 0.5843% | 2,120 |
| Noninterest expense to average assets | 2.5918% | 3,238 |
| Loan and lease loss provision to assets | 0.0582% | 2,490 |
| Net operating income to assets | 1.2203% | 1,987 |
| Return on assets (ROA) | 1.2203% | 2,035 |
| Pretax return on assets | 1.6779% | 1,266 |
| Return on Equity (ROE) | 9.5980% | 2,551 |
| Retained earnings to average equity (ytd only) | 9.5980% | 1,140 |
| Net charge-offs to loans | 0.0547% | 1,502 |
| Credit loss provision to net charge-offs | 136.3636% | 1,315 |
| Earnings coverage of net charge-offs (x) | 40.6970% | 1,144 |
| Efficiency ratio | 59.8865% | 3,818 |
| Assets per employee ($millions) | 4.8324% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 4,337 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.5444% | 1,068 |
| Net loans and leases to deposits | 96.0916% | 960 |
| Net loans and leases to core deposits | 108.2896% | 1,038 |
| Total domestic deposits to total assets | 81.7391% | 3,794 |
| Equity capital to assets | 13.1404% | 1,375 |
| Core capital (leverage) ratio | 12.0882% | 1,721 |
| Tier 1 risk-based capital ratio | 14.8399% | 2,941 |
| Total risk-based capital ratio | 16.0900% | 2,878 |
| Memoranda: | ||
| Average total assets | $309,438,500 | 2,127 |
| Average earning assets | $287,232,500 | 2,131 |
| Average equity | $39,341,500 | 1,951 |
| Average total loans | $241,210,000 | 1,905 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 1,261 |
| Cost of funding earning assets | 0.7186% | 1,972 |
| Net interest margin | 4.1892% | 1,419 |
| Noninterest income to average assets | 0.7148% | 1,789 |
| Noninterest expense to average assets | 2.6205% | 3,268 |
| Loan and lease loss provision to assets | 0.0609% | 2,941 |
| Net operating income to assets | 1.4092% | 1,400 |
| Return on assets (ROA) | 1.4166% | 1,368 |
| Pretax return on assets | 1.9284% | 667 |
| Return on Equity (ROE) | 11.6967% | 1,823 |
| Retained earnings to average equity (ytd only) | 11.6967% | 342 |
| Net charge-offs to loans | 0.0659% | 2,179 |
| Credit loss provision to net charge-offs | 116.5605% | 2,224 |
| Earnings coverage of net charge-offs (x) | 37.8981% | 1,365 |
| Efficiency ratio | 56.9620% | 4,287 |
| Assets per employee ($millions) | 4.9130% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,363 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.3828% | 1,713 |
| Net loans and leases to deposits | 90.9701% | 1,672 |
| Net loans and leases to core deposits | 99.4712% | 1,758 |
| Total domestic deposits to total assets | 82.8654% | 3,376 |
| Equity capital to assets | 12.3008% | 1,699 |
| Core capital (leverage) ratio | 11.7623% | 1,903 |
| Tier 1 risk-based capital ratio | 14.5138% | 3,055 |
| Total risk-based capital ratio | 15.7641% | 2,969 |
| Memoranda: | ||
| Average total assets | $300,511,800 | 2,156 |
| Average earning assets | $278,740,000 | 2,145 |
| Average equity | $36,394,800 | 2,013 |
| Average total loans | $238,308,200 | 1,890 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 1,178 |
| Cost of funding earning assets | 0.6910% | 1,899 |
| Net interest margin | 4.2005% | 1,357 |
| Noninterest income to average assets | 0.7388% | 1,721 |
| Noninterest expense to average assets | 2.6169% | 3,238 |
| Loan and lease loss provision to assets | 0.0610% | 2,758 |
| Net operating income to assets | 1.4193% | 1,418 |
| Return on assets (ROA) | 1.4292% | 1,386 |
| Pretax return on assets | 1.9674% | 679 |
| Return on Equity (ROE) | 11.8502% | 1,850 |
| Retained earnings to average equity (ytd only) | 11.8502% | 501 |
| Net charge-offs to loans | 0.0247% | 2,627 |
| Credit loss provision to net charge-offs | 309.0909% | 1,001 |
| Earnings coverage of net charge-offs (x) | 102.0598% | 738 |
| Efficiency ratio | 56.4868% | 4,318 |
| Assets per employee ($millions) | 4.9375% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 1,939 |
| Loan loss allowance to noncurrent loans | 632.4752% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,123 |
| Noncurrent loans to loans | 0.2111% | 3,952 |
| Net loans and leases to total assets | 78.3615% | 1,287 |
| Net loans and leases to deposits | 94.8731% | 1,279 |
| Net loans and leases to core deposits | 103.7415% | 1,470 |
| Total domestic deposits to total assets | 82.5961% | 3,434 |
| Equity capital to assets | 12.3870% | 1,651 |
| Core capital (leverage) ratio | 11.5892% | 2,101 |
| Tier 1 risk-based capital ratio | 14.2656% | 3,237 |
| Total risk-based capital ratio | 15.5163% | 3,150 |
| Memoranda: | ||
| Average total assets | $297,031,250 | 2,183 |
| Average earning assets | $275,355,750 | 2,174 |
| Average equity | $35,824,000 | 2,047 |
| Average total loans | $237,846,000 | 1,903 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,235 |
| Cost of funding earning assets | 0.6453% | 1,956 |
| Net interest margin | 4.1596% | 1,378 |
| Noninterest income to average assets | 0.6941% | 1,889 |
| Noninterest expense to average assets | 2.6234% | 3,251 |
| Loan and lease loss provision to assets | 0.0609% | 2,683 |
| Net operating income to assets | 1.3522% | 1,597 |
| Return on assets (ROA) | 1.3672% | 1,548 |
| Pretax return on assets | 1.8833% | 807 |
| Return on Equity (ROE) | 11.4409% | 1,933 |
| Retained earnings to average equity (ytd only) | 11.4409% | 597 |
| Net charge-offs to loans | 0.0118% | 2,735 |
| Credit loss provision to net charge-offs | 642.8571% | 596 |
| Earnings coverage of net charge-offs (x) | 203.2857% | 417 |
| Efficiency ratio | 57.6740% | 4,289 |
| Assets per employee ($millions) | 4.8860% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 2,069 |
| Loan loss allowance to noncurrent loans | 2,562.9032% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,816 |
| Noncurrent loans to loans | 0.0515% | 4,685 |
| Net loans and leases to total assets | 79.6431% | 1,076 |
| Net loans and leases to deposits | 96.3204% | 1,110 |
| Net loans and leases to core deposits | 103.0703% | 1,475 |
| Total domestic deposits to total assets | 82.6856% | 3,501 |
| Equity capital to assets | 12.1334% | 1,759 |
| Core capital (leverage) ratio | 11.2394% | 2,312 |
| Tier 1 risk-based capital ratio | 13.6844% | 3,517 |
| Total risk-based capital ratio | 14.9351% | 3,427 |
| Memoranda: | ||
| Average total assets | $295,646,330 | 2,197 |
| Average earning assets | $273,971,330 | 2,195 |
| Average equity | $35,329,330 | 2,077 |
| Average total loans | $237,392,000 | 1,910 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,313 |
| Cost of funding earning assets | 0.6058% | 2,020 |
| Net interest margin | 4.0922% | 1,460 |
| Noninterest income to average assets | 0.7173% | 1,755 |
| Noninterest expense to average assets | 2.5376% | 3,535 |
| Loan and lease loss provision to assets | 0.0611% | 2,556 |
| Net operating income to assets | 1.3857% | 1,384 |
| Return on assets (ROA) | 1.3857% | 1,399 |
| Pretax return on assets | 1.9087% | 710 |
| Return on Equity (ROE) | 11.6864% | 1,692 |
| Retained earnings to average equity (ytd only) | 11.6864% | 744 |
| Net charge-offs to loans | -0.0068% | 4,111 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2990% | 4,545 |
| Assets per employee ($millions) | 4.8247% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,077 |
| Loan loss allowance to noncurrent loans | 2,541.1290% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 4,900 |
| Noncurrent loans to loans | 0.0526% | 4,747 |
| Net loans and leases to total assets | 79.0771% | 1,065 |
| Net loans and leases to deposits | 94.5538% | 1,180 |
| Net loans and leases to core deposits | 103.3983% | 1,423 |
| Total domestic deposits to total assets | 83.6318% | 3,458 |
| Equity capital to assets | 11.9813% | 1,804 |
| Core capital (leverage) ratio | 11.1472% | 2,284 |
| Tier 1 risk-based capital ratio | 13.5138% | 3,645 |
| Total risk-based capital ratio | 14.7647% | 3,555 |
| Memoranda: | ||
| Average total assets | $294,446,500 | 2,225 |
| Average earning assets | $272,714,500 | 2,218 |
| Average equity | $34,912,500 | 2,104 |
| Average total loans | $235,812,500 | 1,923 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 1,032 |
| Cost of funding earning assets | 0.5783% | 1,757 |
| Net interest margin | 4.1923% | 1,203 |
| Noninterest income to average assets | 0.6969% | 1,980 |
| Noninterest expense to average assets | 2.6636% | 3,250 |
| Loan and lease loss provision to assets | 0.0438% | 3,364 |
| Net operating income to assets | 1.0827% | 1,923 |
| Return on assets (ROA) | 1.0851% | 1,933 |
| Pretax return on assets | 1.8645% | 656 |
| Return on Equity (ROE) | 9.4685% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.4685% | 426 |
| Net charge-offs to loans | 0.0184% | 3,488 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 130.3333% | 521 |
| Efficiency ratio | 58.3092% | 4,490 |
| Assets per employee ($millions) | 4.8292% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 2,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 4,939 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 78.9727% | 1,126 |
| Net loans and leases to deposits | 94.7633% | 1,195 |
| Net loans and leases to core deposits | 103.2767% | 1,465 |
| Total domestic deposits to total assets | 83.3368% | 3,452 |
| Equity capital to assets | 11.7328% | 2,012 |
| Core capital (leverage) ratio | 10.8829% | 2,441 |
| Tier 1 risk-based capital ratio | 13.0639% | 3,873 |
| Total risk-based capital ratio | 14.3145% | 3,775 |
| Memoranda: | ||
| Average total assets | $287,429,800 | 2,241 |
| Average earning assets | $265,414,800 | 2,247 |
| Average equity | $32,940,800 | 2,168 |
| Average total loans | $228,510,200 | 1,944 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 993 |
| Cost of funding earning assets | 0.5716% | 1,730 |
| Net interest margin | 4.1935% | 1,164 |
| Noninterest income to average assets | 0.6829% | 2,071 |
| Noninterest expense to average assets | 2.6340% | 3,302 |
| Loan and lease loss provision to assets | 0.0439% | 3,226 |
| Net operating income to assets | 1.1425% | 1,906 |
| Return on assets (ROA) | 1.1455% | 1,945 |
| Pretax return on assets | 1.8792% | 723 |
| Return on Equity (ROE) | 10.0565% | 2,108 |
| Retained earnings to average equity (ytd only) | 10.0565% | 573 |
| Net charge-offs to loans | 0.0465% | 2,514 |
| Credit loss provision to net charge-offs | 118.9873% | 2,016 |
| Earnings coverage of net charge-offs (x) | 52.0256% | 1,092 |
| Efficiency ratio | 57.8591% | 4,523 |
| Assets per employee ($millions) | 4.6074% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,306 |
| Loan loss allowance to noncurrent loans | 534.9206% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 4,120 |
| Noncurrent loans to loans | 0.2452% | 4,073 |
| Net loans and leases to total assets | 78.6140% | 1,177 |
| Net loans and leases to deposits | 93.5723% | 1,342 |
| Net loans and leases to core deposits | 101.9442% | 1,551 |
| Total domestic deposits to total assets | 84.0141% | 3,118 |
| Equity capital to assets | 11.6871% | 2,200 |
| Core capital (leverage) ratio | 10.6539% | 2,823 |
| Tier 1 risk-based capital ratio | 12.8682% | 4,103 |
| Total risk-based capital ratio | 14.1187% | 4,001 |
| Memoranda: | ||
| Average total assets | $285,641,250 | 2,268 |
| Average earning assets | $263,577,250 | 2,276 |
| Average equity | $32,535,250 | 2,207 |
| Average total loans | $226,702,000 | 1,962 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 1,062 |
| Cost of funding earning assets | 0.5614% | 1,701 |
| Net interest margin | 4.1375% | 1,230 |
| Noninterest income to average assets | 0.6484% | 2,214 |
| Noninterest expense to average assets | 2.6519% | 3,259 |
| Loan and lease loss provision to assets | 0.0422% | 3,155 |
| Net operating income to assets | 1.0701% | 2,121 |
| Return on assets (ROA) | 1.0701% | 2,166 |
| Pretax return on assets | 1.7677% | 905 |
| Return on Equity (ROE) | 9.4786% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.4786% | 716 |
| Net charge-offs to loans | 0.0027% | 3,408 |
| Credit loss provision to net charge-offs | 2,000.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 857.0000% | 85 |
| Efficiency ratio | 59.4352% | 4,403 |
| Assets per employee ($millions) | 4.6846% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 2,259 |
| Loan loss allowance to noncurrent loans | 164.0875% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 2,391 |
| Noncurrent loans to loans | 0.8124% | 2,377 |
| Net loans and leases to total assets | 78.3610% | 1,187 |
| Net loans and leases to deposits | 95.0416% | 1,172 |
| Net loans and leases to core deposits | 103.9517% | 1,354 |
| Total domestic deposits to total assets | 82.4492% | 3,750 |
| Equity capital to assets | 11.3807% | 2,430 |
| Core capital (leverage) ratio | 10.4066% | 3,019 |
| Tier 1 risk-based capital ratio | 12.4343% | 4,334 |
| Total risk-based capital ratio | 13.6851% | 4,226 |
| Memoranda: | ||
| Average total assets | $284,098,670 | 2,285 |
| Average earning assets | $261,846,330 | 2,289 |
| Average equity | $32,072,330 | 2,225 |
| Average total loans | $225,194,330 | 1,977 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 1,157 |
| Cost of funding earning assets | 0.5410% | 1,775 |
| Net interest margin | 4.0532% | 1,338 |
| Noninterest income to average assets | 0.5952% | 2,445 |
| Noninterest expense to average assets | 2.5559% | 3,636 |
| Loan and lease loss provision to assets | 0.0427% | 2,945 |
| Net operating income to assets | 1.0480% | 2,077 |
| Return on assets (ROA) | 1.0480% | 2,129 |
| Pretax return on assets | 1.7300% | 936 |
| Return on Equity (ROE) | 9.3221% | 2,265 |
| Retained earnings to average equity (ytd only) | 9.3221% | 977 |
| Net charge-offs to loans | 0.0971% | 1,395 |
| Credit loss provision to net charge-offs | 55.5556% | 1,939 |
| Earnings coverage of net charge-offs (x) | 23.0556% | 1,394 |
| Efficiency ratio | 59.0461% | 4,583 |
| Assets per employee ($millions) | 4.5594% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 2,395 |
| Loan loss allowance to noncurrent loans | 112.4718% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 1,953 |
| Noncurrent loans to loans | 1.1819% | 1,713 |
| Net loans and leases to total assets | 78.6165% | 1,039 |
| Net loans and leases to deposits | 95.0121% | 1,015 |
| Net loans and leases to core deposits | 102.3808% | 1,340 |
| Total domestic deposits to total assets | 82.7437% | 3,932 |
| Equity capital to assets | 11.3253% | 2,327 |
| Core capital (leverage) ratio | 10.2933% | 3,122 |
| Tier 1 risk-based capital ratio | 12.3799% | 4,460 |
| Total risk-based capital ratio | 13.6304% | 4,368 |
| Memoranda: | ||
| Average total assets | $280,924,000 | 2,320 |
| Average earning assets | $258,756,500 | 2,322 |
| Average equity | $31,581,000 | 2,256 |
| Average total loans | $222,455,000 | 2,005 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 1,138 |
| Cost of funding earning assets | 0.5215% | 1,931 |
| Net interest margin | 4.1405% | 1,274 |
| Noninterest income to average assets | 0.7364% | 2,010 |
| Noninterest expense to average assets | 2.9179% | 2,612 |
| Loan and lease loss provision to assets | 0.0452% | 3,480 |
| Net operating income to assets | 0.9505% | 2,581 |
| Return on assets (ROA) | 0.9635% | 2,624 |
| Pretax return on assets | 1.5797% | 1,341 |
| Return on Equity (ROE) | 8.4471% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.4471% | 719 |
| Net charge-offs to loans | 0.1372% | 1,881 |
| Credit loss provision to net charge-offs | 43.3213% | 3,461 |
| Earnings coverage of net charge-offs (x) | 15.3791% | 2,205 |
| Efficiency ratio | 64.5207% | 3,849 |
| Assets per employee ($millions) | 4.8132% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 2,204 |
| Loan loss allowance to noncurrent loans | 115.5436% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 2,027 |
| Noncurrent loans to loans | 1.1890% | 1,726 |
| Net loans and leases to total assets | 77.6109% | 1,265 |
| Net loans and leases to deposits | 92.7130% | 1,341 |
| Net loans and leases to core deposits | 101.7116% | 1,465 |
| Total domestic deposits to total assets | 83.7110% | 3,537 |
| Equity capital to assets | 11.1573% | 2,471 |
| Core capital (leverage) ratio | 10.1273% | 3,334 |
| Tier 1 risk-based capital ratio | 12.2814% | 4,515 |
| Total risk-based capital ratio | 13.5327% | 4,396 |
| Memoranda: | ||
| Average total assets | $265,495,200 | 2,393 |
| Average earning assets | $242,775,200 | 2,414 |
| Average equity | $30,282,600 | 2,329 |
| Average total loans | $201,950,800 | 2,111 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 1,165 |
| Cost of funding earning assets | 0.5116% | 2,002 |
| Net interest margin | 4.1474% | 1,260 |
| Noninterest income to average assets | 0.7509% | 1,961 |
| Noninterest expense to average assets | 2.9100% | 2,614 |
| Loan and lease loss provision to assets | 0.0458% | 3,327 |
| Net operating income to assets | 0.9593% | 2,614 |
| Return on assets (ROA) | 0.9717% | 2,695 |
| Pretax return on assets | 1.6005% | 1,376 |
| Return on Equity (ROE) | 8.4699% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.4699% | 988 |
| Net charge-offs to loans | 0.1823% | 1,282 |
| Credit loss provision to net charge-offs | 33.3333% | 3,198 |
| Earnings coverage of net charge-offs (x) | 11.8445% | 2,440 |
| Efficiency ratio | 64.1399% | 3,909 |
| Assets per employee ($millions) | 4.5651% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 2,167 |
| Loan loss allowance to noncurrent loans | 124.2223% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 2,350 |
| Noncurrent loans to loans | 1.1327% | 1,987 |
| Net loans and leases to total assets | 76.6139% | 1,423 |
| Net loans and leases to deposits | 91.8614% | 1,518 |
| Net loans and leases to core deposits | 100.7112% | 1,569 |
| Total domestic deposits to total assets | 83.4016% | 3,448 |
| Equity capital to assets | 11.4083% | 2,592 |
| Core capital (leverage) ratio | 10.2278% | 3,308 |
| Tier 1 risk-based capital ratio | 12.3165% | 4,597 |
| Total risk-based capital ratio | 13.5678% | 4,493 |
| Memoranda: | ||
| Average total assets | $262,078,250 | 2,424 |
| Average earning assets | $239,246,500 | 2,443 |
| Average equity | $30,066,500 | 2,363 |
| Average total loans | $197,518,750 | 2,143 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 1,252 |
| Cost of funding earning assets | 0.5003% | 2,098 |
| Net interest margin | 4.1094% | 1,344 |
| Noninterest income to average assets | 0.6903% | 2,186 |
| Noninterest expense to average assets | 3.0139% | 2,301 |
| Loan and lease loss provision to assets | 0.0465% | 3,220 |
| Net operating income to assets | 0.8303% | 3,171 |
| Return on assets (ROA) | 0.8492% | 3,221 |
| Pretax return on assets | 1.4016% | 2,017 |
| Return on Equity (ROE) | 7.3873% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.3873% | 1,436 |
| Net charge-offs to loans | 0.1632% | 1,357 |
| Credit loss provision to net charge-offs | 38.2166% | 2,788 |
| Earnings coverage of net charge-offs (x) | 11.6624% | 2,244 |
| Efficiency ratio | 67.9951% | 3,348 |
| Assets per employee ($millions) | 4.4165% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 1,785 |
| Loan loss allowance to noncurrent loans | 116.9009% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2374% | 1,656 |
| Noncurrent loans to loans | 1.3010% | 1,739 |
| Net loans and leases to total assets | 75.2127% | 1,613 |
| Net loans and leases to deposits | 93.0246% | 1,388 |
| Net loans and leases to core deposits | 101.8530% | 1,480 |
| Total domestic deposits to total assets | 80.8526% | 4,317 |
| Equity capital to assets | 11.4642% | 2,580 |
| Core capital (leverage) ratio | 10.2081% | 3,327 |
| Tier 1 risk-based capital ratio | 12.4352% | 4,569 |
| Total risk-based capital ratio | 13.6879% | 4,481 |
| Memoranda: | ||
| Average total assets | $258,135,670 | 2,467 |
| Average earning assets | $235,073,670 | 2,497 |
| Average equity | $29,672,670 | 2,394 |
| Average total loans | $192,410,000 | 2,190 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 1,405 |
| Cost of funding earning assets | 0.4956% | 2,145 |
| Net interest margin | 4.0412% | 1,501 |
| Noninterest income to average assets | 0.6973% | 2,055 |
| Noninterest expense to average assets | 2.9461% | 2,550 |
| Loan and lease loss provision to assets | 0.0471% | 2,978 |
| Net operating income to assets | 0.8323% | 3,081 |
| Return on assets (ROA) | 0.8433% | 3,148 |
| Pretax return on assets | 1.3961% | 1,917 |
| Return on Equity (ROE) | 7.3262% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.3262% | 1,737 |
| Net charge-offs to loans | 0.0043% | 2,976 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 125 |
| Efficiency ratio | 67.3851% | 3,565 |
| Assets per employee ($millions) | 4.2643% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 1,384 |
| Loan loss allowance to noncurrent loans | 132.9597% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 1,695 |
| Noncurrent loans to loans | 1.2721% | 1,899 |
| Net loans and leases to total assets | 72.7628% | 1,910 |
| Net loans and leases to deposits | 88.0749% | 1,819 |
| Net loans and leases to core deposits | 93.9574% | 1,992 |
| Total domestic deposits to total assets | 82.6147% | 4,031 |
| Equity capital to assets | 11.6126% | 2,332 |
| Core capital (leverage) ratio | 10.3422% | 3,139 |
| Tier 1 risk-based capital ratio | 12.7733% | 4,415 |
| Total risk-based capital ratio | 14.0274% | 4,322 |
| Memoranda: | ||
| Average total assets | $254,708,000 | 2,502 |
| Average earning assets | $231,616,500 | 2,535 |
| Average equity | $29,319,500 | 2,415 |
| Average total loans | $187,422,500 | 2,235 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 1,572 |
| Cost of funding earning assets | 0.4847% | 2,313 |
| Net interest margin | 4.0215% | 1,647 |
| Noninterest income to average assets | 0.7671% | 1,907 |
| Noninterest expense to average assets | 3.1493% | 2,091 |
| Loan and lease loss provision to assets | 0.0016% | 4,356 |
| Net operating income to assets | 0.7680% | 3,477 |
| Return on assets (ROA) | 0.7752% | 3,517 |
| Pretax return on assets | 1.2718% | 2,392 |
| Return on Equity (ROE) | 6.8847% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.8847% | 1,329 |
| Net charge-offs to loans | -0.1648% | 5,919 |
| Credit loss provision to net charge-offs | -1.3605% | 4,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3882% | 3,003 |
| Assets per employee ($millions) | 4.2976% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7119% | 1,330 |
| Loan loss allowance to noncurrent loans | 140.3625% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 1,750 |
| Noncurrent loans to loans | 1.2196% | 1,933 |
| Net loans and leases to total assets | 71.8958% | 2,075 |
| Net loans and leases to deposits | 86.1557% | 2,118 |
| Net loans and leases to core deposits | 90.4758% | 2,368 |
| Total domestic deposits to total assets | 83.4486% | 3,695 |
| Equity capital to assets | 11.4085% | 2,442 |
| Core capital (leverage) ratio | 10.2260% | 3,231 |
| Tier 1 risk-based capital ratio | 12.6723% | 4,523 |
| Total risk-based capital ratio | 13.9265% | 4,426 |
| Memoranda: | ||
| Average total assets | $248,851,000 | 2,516 |
| Average earning assets | $225,510,200 | 2,545 |
| Average equity | $28,018,600 | 2,460 |
| Average total loans | $178,380,600 | 2,259 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 1,607 |
| Cost of funding earning assets | 0.4833% | 2,377 |
| Net interest margin | 4.0120% | 1,660 |
| Noninterest income to average assets | 0.7833% | 1,862 |
| Noninterest expense to average assets | 3.1864% | 2,007 |
| Loan and lease loss provision to assets | 0.0016% | 4,210 |
| Net operating income to assets | 0.7498% | 3,682 |
| Return on assets (ROA) | 0.7564% | 3,753 |
| Pretax return on assets | 1.2387% | 2,658 |
| Return on Equity (ROE) | 6.7405% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.7405% | 1,813 |
| Net charge-offs to loans | -0.1510% | 5,919 |
| Credit loss provision to net charge-offs | -1.5000% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1477% | 2,850 |
| Assets per employee ($millions) | 4.2209% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 1,364 |
| Loan loss allowance to noncurrent loans | 147.0167% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 2,032 |
| Noncurrent loans to loans | 1.1889% | 2,147 |
| Net loans and leases to total assets | 68.3611% | 2,626 |
| Net loans and leases to deposits | 82.4651% | 2,591 |
| Net loans and leases to core deposits | 86.9841% | 2,750 |
| Total domestic deposits to total assets | 82.8971% | 3,845 |
| Equity capital to assets | 11.3103% | 2,692 |
| Core capital (leverage) ratio | 10.1229% | 3,470 |
| Tier 1 risk-based capital ratio | 12.9027% | 4,482 |
| Total risk-based capital ratio | 14.1570% | 4,404 |
| Memoranda: | ||
| Average total assets | $247,674,750 | 2,543 |
| Average earning assets | $224,286,000 | 2,572 |
| Average equity | $27,791,500 | 2,485 |
| Average total loans | $176,608,000 | 2,285 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 1,428 |
| Cost of funding earning assets | 0.4819% | 2,415 |
| Net interest margin | 4.0563% | 1,482 |
| Noninterest income to average assets | 0.7428% | 2,029 |
| Noninterest expense to average assets | 3.1471% | 2,127 |
| Loan and lease loss provision to assets | 0.0016% | 4,052 |
| Net operating income to assets | 0.7660% | 3,553 |
| Return on assets (ROA) | 0.7681% | 3,648 |
| Pretax return on assets | 1.2684% | 2,478 |
| Return on Equity (ROE) | 6.8636% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.8636% | 1,761 |
| Net charge-offs to loans | -0.1267% | 5,867 |
| Credit loss provision to net charge-offs | -1.7857% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2995% | 3,112 |
| Assets per employee ($millions) | 3.9412% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 1,758 |
| Loan loss allowance to noncurrent loans | 3,360.6742% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 3,978 |
| Noncurrent loans to loans | 0.0490% | 5,550 |
| Net loans and leases to total assets | 72.0073% | 1,975 |
| Net loans and leases to deposits | 90.0062% | 1,599 |
| Net loans and leases to core deposits | 95.4000% | 1,853 |
| Total domestic deposits to total assets | 80.0026% | 4,871 |
| Equity capital to assets | 11.2817% | 2,587 |
| Core capital (leverage) ratio | 9.9196% | 3,716 |
| Tier 1 risk-based capital ratio | 12.5461% | 4,776 |
| Total risk-based capital ratio | 13.7999% | 4,693 |
| Memoranda: | ||
| Average total assets | $245,814,670 | 2,576 |
| Average earning assets | $222,467,670 | 2,604 |
| Average equity | $27,507,330 | 2,517 |
| Average total loans | $176,741,330 | 2,289 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 1,369 |
| Cost of funding earning assets | 0.4865% | 2,410 |
| Net interest margin | 4.0476% | 1,417 |
| Noninterest income to average assets | 0.6869% | 2,219 |
| Noninterest expense to average assets | 3.1549% | 2,110 |
| Loan and lease loss provision to assets | 0.0016% | 3,693 |
| Net operating income to assets | 0.7213% | 3,692 |
| Return on assets (ROA) | 0.7213% | 3,823 |
| Pretax return on assets | 1.1906% | 2,710 |
| Return on Equity (ROE) | 6.4722% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.4722% | 2,248 |
| Net charge-offs to loans | -0.1378% | 5,953 |
| Credit loss provision to net charge-offs | -1.6667% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5734% | 3,070 |
| Assets per employee ($millions) | 3.9390% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 1,805 |
| Loan loss allowance to noncurrent loans | 866.6667% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 3,630 |
| Noncurrent loans to loans | 0.1932% | 5,090 |
| Net loans and leases to total assets | 70.6317% | 2,053 |
| Net loans and leases to deposits | 86.2553% | 1,795 |
| Net loans and leases to core deposits | 91.4245% | 1,992 |
| Total domestic deposits to total assets | 81.8867% | 4,542 |
| Equity capital to assets | 11.3439% | 2,605 |
| Core capital (leverage) ratio | 9.8524% | 3,817 |
| Tier 1 risk-based capital ratio | 12.3745% | 4,992 |
| Total risk-based capital ratio | 13.6276% | 4,903 |
| Memoranda: | ||
| Average total assets | $244,573,500 | 2,602 |
| Average earning assets | $221,167,000 | 2,632 |
| Average equity | $27,255,000 | 2,555 |
| Average total loans | $174,220,500 | 2,325 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 1,541 |
| Cost of funding earning assets | 0.5545% | 2,177 |
| Net interest margin | 4.0516% | 1,731 |
| Noninterest income to average assets | 0.7108% | 2,251 |
| Noninterest expense to average assets | 3.6933% | 1,169 |
| Loan and lease loss provision to assets | -0.3105% | 6,378 |
| Net operating income to assets | 0.5976% | 4,379 |
| Return on assets (ROA) | 0.6139% | 4,407 |
| Pretax return on assets | 0.9996% | 3,498 |
| Return on Equity (ROE) | 5.6652% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.6652% | 2,156 |
| Net charge-offs to loans | 0.0298% | 4,229 |
| Credit loss provision to net charge-offs | -1,516.3265% | 5,957 |
| Earnings coverage of net charge-offs (x) | 32.4082% | 1,261 |
| Efficiency ratio | 84.7688% | 1,312 |
| Assets per employee ($millions) | 3.7681% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 1,884 |
| Loan loss allowance to noncurrent loans | 4,110.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 3,705 |
| Noncurrent loans to loans | 0.0405% | 5,711 |
| Net loans and leases to total assets | 69.4612% | 2,316 |
| Net loans and leases to deposits | 83.6566% | 2,253 |
| Net loans and leases to core deposits | 88.7680% | 2,410 |
| Total domestic deposits to total assets | 83.0313% | 4,071 |
| Equity capital to assets | 10.9444% | 2,955 |
| Core capital (leverage) ratio | 9.6434% | 4,041 |
| Tier 1 risk-based capital ratio | 12.2683% | 5,181 |
| Total risk-based capital ratio | 13.5216% | 5,094 |
| Memoranda: | ||
| Average total assets | $239,301,200 | 2,620 |
| Average earning assets | $215,345,000 | 2,657 |
| Average equity | $25,930,400 | 2,579 |
| Average total loans | $164,625,200 | 2,381 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 1,553 |
| Cost of funding earning assets | 0.5675% | 2,126 |
| Net interest margin | 4.0356% | 1,768 |
| Noninterest income to average assets | 0.8838% | 1,577 |
| Noninterest expense to average assets | 3.7086% | 1,102 |
| Loan and lease loss provision to assets | -0.3335% | 6,484 |
| Net operating income to assets | 0.6944% | 3,973 |
| Return on assets (ROA) | 0.7023% | 4,029 |
| Pretax return on assets | 1.1478% | 2,999 |
| Return on Equity (ROE) | 6.4976% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.4976% | 2,104 |
| Net charge-offs to loans | 0.1419% | 2,377 |
| Credit loss provision to net charge-offs | -343.9306% | 5,674 |
| Earnings coverage of net charge-offs (x) | 8.2717% | 2,828 |
| Efficiency ratio | 82.2192% | 1,590 |
| Assets per employee ($millions) | 3.7110% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 1,773 |
| Loan loss allowance to noncurrent loans | 2,148.8889% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 3,544 |
| Noncurrent loans to loans | 0.0823% | 5,700 |
| Net loans and leases to total assets | 66.8336% | 2,713 |
| Net loans and leases to deposits | 78.9878% | 2,840 |
| Net loans and leases to core deposits | 82.8157% | 3,023 |
| Total domestic deposits to total assets | 84.6126% | 3,494 |
| Equity capital to assets | 10.9922% | 2,964 |
| Core capital (leverage) ratio | 9.7631% | 3,975 |
| Tier 1 risk-based capital ratio | 12.7157% | 5,031 |
| Total risk-based capital ratio | 13.9701% | 4,936 |
| Memoranda: | ||
| Average total assets | $237,894,500 | 2,648 |
| Average earning assets | $213,791,750 | 2,688 |
| Average equity | $25,711,500 | 2,606 |
| Average total loans | $162,529,750 | 2,415 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6394% | 1,426 |
| Cost of funding earning assets | 0.5757% | 2,111 |
| Net interest margin | 4.0637% | 1,625 |
| Noninterest income to average assets | 0.9747% | 1,273 |
| Noninterest expense to average assets | 3.6590% | 1,197 |
| Loan and lease loss provision to assets | -0.2509% | 6,506 |
| Net operating income to assets | 0.7378% | 3,632 |
| Return on assets (ROA) | 0.7492% | 3,678 |
| Pretax return on assets | 1.2332% | 2,529 |
| Return on Equity (ROE) | 6.9723% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.9723% | 1,788 |
| Net charge-offs to loans | 0.2346% | 1,636 |
| Credit loss provision to net charge-offs | -156.3158% | 5,354 |
| Earnings coverage of net charge-offs (x) | 6.0105% | 2,833 |
| Efficiency ratio | 79.1377% | 2,150 |
| Assets per employee ($millions) | 3.6024% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 1,359 |
| Loan loss allowance to noncurrent loans | 4,027.8481% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 3,565 |
| Noncurrent loans to loans | 0.0496% | 5,901 |
| Net loans and leases to total assets | 66.5945% | 2,658 |
| Net loans and leases to deposits | 79.1072% | 2,644 |
| Net loans and leases to core deposits | 82.5462% | 2,907 |
| Total domestic deposits to total assets | 84.1826% | 3,863 |
| Equity capital to assets | 11.1641% | 2,721 |
| Core capital (leverage) ratio | 9.6309% | 4,140 |
| Tier 1 risk-based capital ratio | 12.8019% | 5,031 |
| Total risk-based capital ratio | 14.0592% | 4,973 |
| Memoranda: | ||
| Average total assets | $236,787,000 | 2,663 |
| Average earning assets | $212,614,670 | 2,708 |
| Average equity | $25,443,670 | 2,618 |
| Average total loans | $162,001,330 | 2,427 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,876 |
| Cost of funding earning assets | 0.5770% | 2,178 |
| Net interest margin | 3.9006% | 2,086 |
| Noninterest income to average assets | 0.6552% | 2,433 |
| Noninterest expense to average assets | 3.5296% | 1,434 |
| Loan and lease loss provision to assets | 0.0034% | 3,778 |
| Net operating income to assets | 0.3806% | 5,189 |
| Return on assets (ROA) | 0.4032% | 5,167 |
| Pretax return on assets | 0.6552% | 4,647 |
| Return on Equity (ROE) | 3.8255% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.8255% | 3,834 |
| Net charge-offs to loans | -0.1297% | 6,227 |
| Credit loss provision to net charge-offs | -3.7736% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9919% | 1,545 |
| Assets per employee ($millions) | 3.7365% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2654% | 1,082 |
| Loan loss allowance to noncurrent loans | 167.3708% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 1.8291% | 1,904 |
| Noncurrent loans to loans | 1.3535% | 2,781 |
| Net loans and leases to total assets | 67.1839% | 2,360 |
| Net loans and leases to deposits | 80.4643% | 2,232 |
| Net loans and leases to core deposits | 83.9432% | 2,524 |
| Total domestic deposits to total assets | 83.4954% | 4,452 |
| Equity capital to assets | 10.5855% | 3,160 |
| Core capital (leverage) ratio | 9.3515% | 4,501 |
| Tier 1 risk-based capital ratio | 12.0945% | 5,572 |
| Total risk-based capital ratio | 13.3547% | 5,504 |
| Memoranda: | ||
| Average total assets | $238,104,000 | 2,659 |
| Average earning assets | $213,505,500 | 2,716 |
| Average equity | $25,095,000 | 2,635 |
| Average total loans | $163,444,500 | 2,419 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 1,550 |
| Cost of funding earning assets | 0.6235% | 2,448 |
| Net interest margin | 4.0843% | 1,693 |
| Noninterest income to average assets | 0.6926% | 2,583 |
| Noninterest expense to average assets | 3.7439% | 1,228 |
| Loan and lease loss provision to assets | 0.0137% | 4,851 |
| Net operating income to assets | 0.3572% | 5,306 |
| Return on assets (ROA) | 0.3789% | 5,339 |
| Pretax return on assets | 0.6063% | 4,860 |
| Return on Equity (ROE) | 3.5512% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.5512% | 3,690 |
| Net charge-offs to loans | 0.2313% | 2,607 |
| Credit loss provision to net charge-offs | 9.0652% | 4,596 |
| Earnings coverage of net charge-offs (x) | 3.8697% | 3,729 |
| Efficiency ratio | 86.4632% | 1,370 |
| Assets per employee ($millions) | 3.7630% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2578% | 1,102 |
| Loan loss allowance to noncurrent loans | 199.2939% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 1.6923% | 2,174 |
| Noncurrent loans to loans | 1.1329% | 3,281 |
| Net loans and leases to total assets | 66.9986% | 2,518 |
| Net loans and leases to deposits | 79.6415% | 2,502 |
| Net loans and leases to core deposits | 83.2912% | 2,744 |
| Total domestic deposits to total assets | 84.1253% | 4,116 |
| Equity capital to assets | 10.4931% | 3,169 |
| Core capital (leverage) ratio | 9.1851% | 4,740 |
| Tier 1 risk-based capital ratio | 11.9829% | 5,621 |
| Total risk-based capital ratio | 13.2432% | 5,559 |
| Memoranda: | ||
| Average total assets | $233,046,000 | 2,689 |
| Average earning assets | $207,550,800 | 2,750 |
| Average equity | $24,865,000 | 2,639 |
| Average total loans | $152,647,200 | 2,524 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 1,548 |
| Cost of funding earning assets | 0.6307% | 2,541 |
| Net interest margin | 4.0894% | 1,664 |
| Noninterest income to average assets | 0.8136% | 2,079 |
| Noninterest expense to average assets | 3.7441% | 1,173 |
| Loan and lease loss provision to assets | 0.0172% | 4,670 |
| Net operating income to assets | 0.4298% | 5,113 |
| Return on assets (ROA) | 0.4562% | 5,141 |
| Pretax return on assets | 0.7297% | 4,579 |
| Return on Equity (ROE) | 4.2580% | 5,098 |
| Retained earnings to average equity (ytd only) | 4.2580% | 3,653 |
| Net charge-offs to loans | 0.3347% | 1,874 |
| Credit loss provision to net charge-offs | 7.9576% | 4,242 |
| Earnings coverage of net charge-offs (x) | 3.2573% | 3,754 |
| Efficiency ratio | 84.1426% | 1,573 |
| Assets per employee ($millions) | 3.8212% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3015% | 1,182 |
| Loan loss allowance to noncurrent loans | 134.9259% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 2.3806% | 1,645 |
| Noncurrent loans to loans | 1.7058% | 2,636 |
| Net loans and leases to total assets | 65.2739% | 2,754 |
| Net loans and leases to deposits | 76.7846% | 2,850 |
| Net loans and leases to core deposits | 80.3476% | 3,088 |
| Total domestic deposits to total assets | 85.0091% | 3,747 |
| Equity capital to assets | 10.5324% | 3,238 |
| Core capital (leverage) ratio | 9.2332% | 4,784 |
| Tier 1 risk-based capital ratio | 12.1091% | 5,716 |
| Total risk-based capital ratio | 13.3697% | 5,639 |
| Memoranda: | ||
| Average total assets | $232,040,250 | 2,712 |
| Average earning assets | $206,315,250 | 2,785 |
| Average equity | $24,862,250 | 2,662 |
| Average total loans | $150,183,500 | 2,565 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 1,820 |
| Cost of funding earning assets | 0.6642% | 2,366 |
| Net interest margin | 3.9458% | 2,062 |
| Noninterest income to average assets | 0.7578% | 2,378 |
| Noninterest expense to average assets | 3.7081% | 1,236 |
| Loan and lease loss provision to assets | 0.0260% | 4,399 |
| Net operating income to assets | 0.3220% | 5,516 |
| Return on assets (ROA) | 0.3620% | 5,535 |
| Pretax return on assets | 0.5876% | 5,065 |
| Return on Equity (ROE) | 3.3586% | 5,482 |
| Retained earnings to average equity (ytd only) | 3.3586% | 4,180 |
| Net charge-offs to loans | 0.0597% | 3,850 |
| Credit loss provision to net charge-offs | 68.1818% | 2,865 |
| Earnings coverage of net charge-offs (x) | 14.4318% | 1,823 |
| Efficiency ratio | 87.0593% | 1,316 |
| Assets per employee ($millions) | 3.6434% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5896% | 891 |
| Loan loss allowance to noncurrent loans | 114.4173% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 2.8767% | 1,427 |
| Noncurrent loans to loans | 2.2633% | 2,101 |
| Net loans and leases to total assets | 65.1587% | 2,736 |
| Net loans and leases to deposits | 77.7141% | 2,606 |
| Net loans and leases to core deposits | 80.7921% | 2,938 |
| Total domestic deposits to total assets | 83.8441% | 4,384 |
| Equity capital to assets | 10.7227% | 3,031 |
| Core capital (leverage) ratio | 8.9584% | 5,068 |
| Tier 1 risk-based capital ratio | 12.0595% | 5,763 |
| Total risk-based capital ratio | 13.3231% | 5,699 |
| Memoranda: | ||
| Average total assets | $230,414,670 | 2,740 |
| Average earning assets | $204,468,330 | 2,815 |
| Average equity | $24,832,000 | 2,676 |
| Average total loans | $147,482,000 | 2,611 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 2,421 |
| Cost of funding earning assets | 0.6757% | 2,431 |
| Net interest margin | 3.7554% | 2,635 |
| Noninterest income to average assets | 0.5978% | 3,154 |
| Noninterest expense to average assets | 3.6369% | 1,358 |
| Loan and lease loss provision to assets | 0.0520% | 3,754 |
| Net operating income to assets | 0.1525% | 6,035 |
| Return on assets (ROA) | 0.1525% | 6,132 |
| Pretax return on assets | 0.2408% | 5,987 |
| Return on Equity (ROE) | 1.4113% | 6,114 |
| Retained earnings to average equity (ytd only) | 1.4113% | 5,273 |
| Net charge-offs to loans | 0.2769% | 1,850 |
| Credit loss provision to net charge-offs | 30.0000% | 2,888 |
| Earnings coverage of net charge-offs (x) | 1.6900% | 3,267 |
| Efficiency ratio | 92.5485% | 942 |
| Assets per employee ($millions) | 3.6856% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7253% | 886 |
| Loan loss allowance to noncurrent loans | 107.6627% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 2.9191% | 1,544 |
| Noncurrent loans to loans | 2.5313% | 2,040 |
| Net loans and leases to total assets | 60.2594% | 3,383 |
| Net loans and leases to deposits | 71.2517% | 3,290 |
| Net loans and leases to core deposits | 73.4785% | 3,642 |
| Total domestic deposits to total assets | 84.5726% | 4,237 |
| Equity capital to assets | 10.7567% | 3,248 |
| Core capital (leverage) ratio | 8.7757% | 5,226 |
| Tier 1 risk-based capital ratio | 12.3367% | 5,689 |
| Total risk-based capital ratio | 13.6013% | 5,633 |
| Memoranda: | ||
| Average total assets | $230,856,000 | 2,768 |
| Average earning assets | $204,823,000 | 2,844 |
| Average equity | $24,942,000 | 2,710 |
| Average total loans | $144,455,000 | 2,656 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 2,877 |
| Cost of funding earning assets | 0.8916% | 1,983 |
| Net interest margin | 3.7387% | 3,481 |
| Noninterest income to average assets | 0.8334% | 2,110 |
| Noninterest expense to average assets | 3.5642% | 1,692 |
| Loan and lease loss provision to assets | 0.1546% | 3,680 |
| Net operating income to assets | 0.2743% | 5,560 |
| Return on assets (ROA) | 0.3164% | 5,619 |
| Pretax return on assets | 0.4903% | 5,310 |
| Return on Equity (ROE) | 3.0719% | 5,527 |
| Retained earnings to average equity (ytd only) | 3.0719% | 4,070 |
| Net charge-offs to loans | 1.3678% | 681 |
| Credit loss provision to net charge-offs | 18.0090% | 5,307 |
| Earnings coverage of net charge-offs (x) | 0.6758% | 5,148 |
| Efficiency ratio | 86.0029% | 1,432 |
| Assets per employee ($millions) | 3.7020% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7503% | 876 |
| Loan loss allowance to noncurrent loans | 95.5231% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 3.2054% | 1,450 |
| Noncurrent loans to loans | 2.8792% | 1,817 |
| Net loans and leases to total assets | 61.4684% | 3,343 |
| Net loans and leases to deposits | 72.8140% | 3,280 |
| Net loans and leases to core deposits | 75.1389% | 3,640 |
| Total domestic deposits to total assets | 84.4184% | 4,115 |
| Equity capital to assets | 10.8522% | 3,118 |
| Core capital (leverage) ratio | 8.7163% | 5,302 |
| Tier 1 risk-based capital ratio | 12.1447% | 5,691 |
| Total risk-based capital ratio | 13.4098% | 5,639 |
| Memoranda: | ||
| Average total assets | $232,899,200 | 2,698 |
| Average earning assets | $206,247,800 | 2,787 |
| Average equity | $23,992,000 | 2,745 |
| Average total loans | $146,149,200 | 2,627 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 3,006 |
| Cost of funding earning assets | 0.9284% | 1,991 |
| Net interest margin | 3.7234% | 3,687 |
| Noninterest income to average assets | 0.7541% | 2,456 |
| Noninterest expense to average assets | 3.6118% | 1,535 |
| Loan and lease loss provision to assets | 0.1882% | 3,237 |
| Net operating income to assets | 0.1659% | 5,997 |
| Return on assets (ROA) | 0.2133% | 6,057 |
| Pretax return on assets | 0.3223% | 5,913 |
| Return on Equity (ROE) | 2.0984% | 6,000 |
| Retained earnings to average equity (ytd only) | 2.0984% | 5,278 |
| Net charge-offs to loans | 1.7311% | 469 |
| Credit loss provision to net charge-offs | 17.3593% | 4,992 |
| Earnings coverage of net charge-offs (x) | 0.4045% | 5,128 |
| Efficiency ratio | 89.1705% | 1,101 |
| Assets per employee ($millions) | 3.6934% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7634% | 917 |
| Loan loss allowance to noncurrent loans | 87.3816% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 3.4923% | 1,437 |
| Noncurrent loans to loans | 3.1625% | 1,749 |
| Net loans and leases to total assets | 61.3665% | 3,500 |
| Net loans and leases to deposits | 73.4464% | 3,374 |
| Net loans and leases to core deposits | 76.6868% | 3,647 |
| Total domestic deposits to total assets | 83.5528% | 4,413 |
| Equity capital to assets | 10.5976% | 3,734 |
| Core capital (leverage) ratio | 8.3211% | 5,978 |
| Tier 1 risk-based capital ratio | 11.8080% | 6,048 |
| Total risk-based capital ratio | 13.0737% | 6,024 |
| Memoranda: | ||
| Average total assets | $233,743,750 | 2,715 |
| Average earning assets | $206,938,750 | 2,800 |
| Average equity | $23,763,000 | 2,797 |
| Average total loans | $146,418,250 | 2,654 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 3,085 |
| Cost of funding earning assets | 0.9530% | 2,040 |
| Net interest margin | 3.7088% | 3,777 |
| Noninterest income to average assets | 0.6980% | 2,684 |
| Noninterest expense to average assets | 3.5754% | 1,632 |
| Loan and lease loss provision to assets | 0.2563% | 2,529 |
| Net operating income to assets | 0.0981% | 6,167 |
| Return on assets (ROA) | 0.1341% | 6,246 |
| Pretax return on assets | 0.2016% | 6,146 |
| Return on Equity (ROE) | 1.3382% | 6,226 |
| Retained earnings to average equity (ytd only) | 1.3382% | 5,524 |
| Net charge-offs to loans | 1.5382% | 634 |
| Credit loss provision to net charge-offs | 26.6667% | 4,490 |
| Earnings coverage of net charge-offs (x) | 0.4204% | 4,867 |
| Efficiency ratio | 89.8454% | 1,081 |
| Assets per employee ($millions) | 3.7584% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3246% | 576 |
| Loan loss allowance to noncurrent loans | 86.9502% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 4.1138% | 1,223 |
| Noncurrent loans to loans | 3.8236% | 1,467 |
| Net loans and leases to total assets | 59.9495% | 3,831 |
| Net loans and leases to deposits | 72.3553% | 3,560 |
| Net loans and leases to core deposits | 75.4553% | 3,824 |
| Total domestic deposits to total assets | 82.8543% | 4,804 |
| Equity capital to assets | 10.4184% | 3,787 |
| Core capital (leverage) ratio | 8.2250% | 6,018 |
| Tier 1 risk-based capital ratio | 11.5945% | 6,169 |
| Total risk-based capital ratio | 12.8660% | 6,139 |
| Memoranda: | ||
| Average total assets | $234,097,000 | 2,718 |
| Average earning assets | $207,131,330 | 2,797 |
| Average equity | $23,464,330 | 2,811 |
| Average total loans | $146,275,000 | 2,666 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 3,013 |
| Cost of funding earning assets | 0.9754% | 2,132 |
| Net interest margin | 3.7362% | 3,662 |
| Noninterest income to average assets | 0.6563% | 2,892 |
| Noninterest expense to average assets | 3.6619% | 1,445 |
| Loan and lease loss provision to assets | 0.2557% | 2,411 |
| Net operating income to assets | 0.0342% | 6,361 |
| Return on assets (ROA) | 0.0852% | 6,387 |
| Pretax return on assets | 0.1244% | 6,345 |
| Return on Equity (ROE) | 0.8674% | 6,378 |
| Retained earnings to average equity (ytd only) | 0.8674% | 5,718 |
| Net charge-offs to loans | 0.9649% | 1,070 |
| Credit loss provision to net charge-offs | 42.2535% | 3,411 |
| Earnings coverage of net charge-offs (x) | 0.5042% | 4,088 |
| Efficiency ratio | 92.3077% | 928 |
| Assets per employee ($millions) | 3.7888% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7291% | 453 |
| Loan loss allowance to noncurrent loans | 59.5390% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 5.4141% | 920 |
| Noncurrent loans to loans | 6.2633% | 777 |
| Net loans and leases to total assets | 59.6095% | 3,752 |
| Net loans and leases to deposits | 71.8209% | 3,456 |
| Net loans and leases to core deposits | 74.8175% | 3,778 |
| Total domestic deposits to total assets | 82.9975% | 4,927 |
| Equity capital to assets | 9.8316% | 4,332 |
| Core capital (leverage) ratio | 7.5797% | 6,580 |
| Tier 1 risk-based capital ratio | 10.8208% | 6,615 |
| Total risk-based capital ratio | 12.0971% | 6,591 |
| Memoranda: | ||
| Average total assets | $234,635,000 | 2,720 |
| Average earning assets | $207,911,500 | 2,799 |
| Average equity | $23,058,000 | 2,848 |
| Average total loans | $147,163,000 | 2,676 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 3,780 |
| Cost of funding earning assets | 1.2073% | 1,981 |
| Net interest margin | 3.5992% | 4,734 |
| Noninterest income to average assets | 0.5924% | 3,207 |
| Noninterest expense to average assets | 3.3112% | 2,488 |
| Loan and lease loss provision to assets | 0.2710% | 3,503 |
| Net operating income to assets | 0.1425% | 5,761 |
| Return on assets (ROA) | 0.1763% | 5,797 |
| Pretax return on assets | 0.2514% | 5,667 |
| Return on Equity (ROE) | 1.8647% | 5,713 |
| Retained earnings to average equity (ytd only) | 1.8647% | 4,885 |
| Net charge-offs to loans | 1.2586% | 1,321 |
| Credit loss provision to net charge-offs | 32.9782% | 5,744 |
| Earnings coverage of net charge-offs (x) | 0.5769% | 5,397 |
| Efficiency ratio | 87.4780% | 1,403 |
| Assets per employee ($millions) | 3.8420% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7810% | 443 |
| Loan loss allowance to noncurrent loans | 54.1510% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 5.4885% | 935 |
| Noncurrent loans to loans | 6.9824% | 635 |
| Net loans and leases to total assets | 61.1214% | 3,754 |
| Net loans and leases to deposits | 73.6067% | 3,560 |
| Net loans and leases to core deposits | 76.8834% | 3,843 |
| Total domestic deposits to total assets | 83.0379% | 4,735 |
| Equity capital to assets | 9.8228% | 4,411 |
| Core capital (leverage) ratio | 7.3552% | 6,721 |
| Tier 1 risk-based capital ratio | 10.6156% | 6,638 |
| Total risk-based capital ratio | 11.8932% | 6,604 |
| Memoranda: | ||
| Average total assets | $239,884,200 | 2,638 |
| Average earning assets | $212,795,000 | 2,700 |
| Average equity | $22,684,600 | 2,816 |
| Average total loans | $156,605,200 | 2,547 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 4,003 |
| Cost of funding earning assets | 1.2475% | 2,009 |
| Net interest margin | 3.5557% | 4,956 |
| Noninterest income to average assets | 0.6493% | 2,886 |
| Noninterest expense to average assets | 3.3639% | 2,297 |
| Loan and lease loss provision to assets | 0.1520% | 4,555 |
| Net operating income to assets | 0.1935% | 5,717 |
| Return on assets (ROA) | 0.2349% | 5,743 |
| Pretax return on assets | 0.3476% | 5,607 |
| Return on Equity (ROE) | 2.5072% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.5072% | 4,864 |
| Net charge-offs to loans | 1.5441% | 927 |
| Credit loss provision to net charge-offs | 14.9782% | 5,619 |
| Earnings coverage of net charge-offs (x) | 0.4325% | 5,298 |
| Efficiency ratio | 88.4610% | 1,300 |
| Assets per employee ($millions) | 3.8194% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4751% | 576 |
| Loan loss allowance to noncurrent loans | 40.6792% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 6.7259% | 753 |
| Noncurrent loans to loans | 8.5426% | 495 |
| Net loans and leases to total assets | 62.2197% | 3,670 |
| Net loans and leases to deposits | 75.3860% | 3,435 |
| Net loans and leases to core deposits | 79.7735% | 3,673 |
| Total domestic deposits to total assets | 82.5349% | 4,861 |
| Equity capital to assets | 9.5714% | 4,977 |
| Core capital (leverage) ratio | 7.3194% | 6,847 |
| Tier 1 risk-based capital ratio | 10.2777% | 6,868 |
| Total risk-based capital ratio | 11.5519% | 6,845 |
| Memoranda: | ||
| Average total assets | $241,264,500 | 2,633 |
| Average earning assets | $213,961,000 | 2,697 |
| Average equity | $22,600,500 | 2,827 |
| Average total loans | $158,537,750 | 2,539 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 4,006 |
| Cost of funding earning assets | 1.2957% | 1,964 |
| Net interest margin | 3.5243% | 5,049 |
| Noninterest income to average assets | 0.6063% | 3,090 |
| Noninterest expense to average assets | 3.3154% | 2,508 |
| Loan and lease loss provision to assets | 0.1242% | 4,734 |
| Net operating income to assets | 0.1881% | 5,776 |
| Return on assets (ROA) | 0.2452% | 5,702 |
| Pretax return on assets | 0.3768% | 5,464 |
| Return on Equity (ROE) | 2.6361% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.6361% | 4,616 |
| Net charge-offs to loans | 0.9406% | 1,659 |
| Credit loss provision to net charge-offs | 19.9734% | 5,134 |
| Earnings coverage of net charge-offs (x) | 0.6644% | 4,796 |
| Efficiency ratio | 88.9160% | 1,329 |
| Assets per employee ($millions) | 3.7075% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0654% | 400 |
| Loan loss allowance to noncurrent loans | 43.8536% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 7.5113% | 641 |
| Noncurrent loans to loans | 9.2704% | 444 |
| Net loans and leases to total assets | 62.1806% | 3,856 |
| Net loans and leases to deposits | 75.2575% | 3,607 |
| Net loans and leases to core deposits | 79.9072% | 3,799 |
| Total domestic deposits to total assets | 82.6238% | 4,938 |
| Equity capital to assets | 9.4744% | 4,850 |
| Core capital (leverage) ratio | 7.2342% | 6,902 |
| Tier 1 risk-based capital ratio | 10.0159% | 6,966 |
| Total risk-based capital ratio | 11.2968% | 6,955 |
| Memoranda: | ||
| Average total assets | $241,478,330 | 2,640 |
| Average earning assets | $213,942,670 | 2,714 |
| Average equity | $22,457,000 | 2,821 |
| Average total loans | $159,682,000 | 2,542 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 4,010 |
| Cost of funding earning assets | 1.3433% | 1,924 |
| Net interest margin | 3.4675% | 5,154 |
| Noninterest income to average assets | 0.5841% | 3,274 |
| Noninterest expense to average assets | 3.4667% | 2,091 |
| Loan and lease loss provision to assets | 0.2482% | 3,177 |
| Net operating income to assets | -0.0132% | 6,368 |
| Return on assets (ROA) | -0.0132% | 6,392 |
| Pretax return on assets | -0.0596% | 6,412 |
| Return on Equity (ROE) | -0.1437% | 6,398 |
| Retained earnings to average equity (ytd only) | -0.1437% | 5,815 |
| Net charge-offs to loans | 0.9243% | 1,441 |
| Credit loss provision to net charge-offs | 40.2145% | 3,942 |
| Earnings coverage of net charge-offs (x) | 0.3056% | 4,386 |
| Efficiency ratio | 94.8393% | 991 |
| Assets per employee ($millions) | 3.8567% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2346% | 361 |
| Loan loss allowance to noncurrent loans | 47.0226% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 7.2794% | 710 |
| Noncurrent loans to loans | 9.0054% | 494 |
| Net loans and leases to total assets | 62.6219% | 3,733 |
| Net loans and leases to deposits | 75.3799% | 3,520 |
| Net loans and leases to core deposits | 80.4904% | 3,667 |
| Total domestic deposits to total assets | 83.0751% | 4,897 |
| Equity capital to assets | 9.1631% | 4,930 |
| Core capital (leverage) ratio | 7.1860% | 6,921 |
| Tier 1 risk-based capital ratio | 9.7900% | 7,066 |
| Total risk-based capital ratio | 11.0730% | 7,064 |
| Memoranda: | ||
| Average total assets | $241,725,000 | 2,647 |
| Average earning assets | $214,099,500 | 2,735 |
| Average equity | $22,269,500 | 2,838 |
| Average total loans | $161,425,000 | 2,542 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5261% | 2,177 |
| Cost of funding earning assets | 1.5424% | 2,391 |
| Net interest margin | 3.9837% | 3,084 |
| Noninterest income to average assets | 0.5140% | 4,062 |
| Noninterest expense to average assets | 3.4617% | 2,270 |
| Loan and lease loss provision to assets | 2.6402% | 405 |
| Net operating income to assets | -1.1803% | 6,783 |
| Return on assets (ROA) | -1.0814% | 6,758 |
| Pretax return on assets | -1.9158% | 7,000 |
| Return on Equity (ROE) | -11.0402% | 6,773 |
| Retained earnings to average equity (ytd only) | -11.0402% | 6,714 |
| Net charge-offs to loans | 2.0001% | 1,009 |
| Credit loss provision to net charge-offs | 182.3905% | 1,811 |
| Earnings coverage of net charge-offs (x) | 0.3937% | 5,714 |
| Efficiency ratio | 85.8646% | 1,710 |
| Assets per employee ($millions) | 3.6996% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2393% | 324 |
| Loan loss allowance to noncurrent loans | 56.1379% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 6.5587% | 865 |
| Noncurrent loans to loans | 7.5515% | 717 |
| Net loans and leases to total assets | 65.2938% | 3,601 |
| Net loans and leases to deposits | 79.4627% | 3,260 |
| Net loans and leases to core deposits | 85.1243% | 3,451 |
| Total domestic deposits to total assets | 82.1691% | 5,134 |
| Equity capital to assets | 9.2629% | 4,734 |
| Core capital (leverage) ratio | 7.3056% | 6,839 |
| Tier 1 risk-based capital ratio | 9.4615% | 7,145 |
| Total risk-based capital ratio | 10.7446% | 7,147 |
| Memoranda: | ||
| Average total assets | $238,122,200 | 2,658 |
| Average earning assets | $210,256,600 | 2,755 |
| Average equity | $23,323,800 | 2,720 |
| Average total loans | $172,339,600 | 2,438 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 2,040 |
| Cost of funding earning assets | 1.5640% | 2,588 |
| Net interest margin | 4.0415% | 2,901 |
| Noninterest income to average assets | 0.5753% | 3,614 |
| Noninterest expense to average assets | 3.4487% | 2,158 |
| Loan and lease loss provision to assets | 3.4010% | 222 |
| Net operating income to assets | -1.5606% | 7,121 |
| Return on assets (ROA) | -1.4252% | 7,107 |
| Pretax return on assets | -2.4961% | 7,314 |
| Return on Equity (ROE) | -14.3528% | 7,086 |
| Retained earnings to average equity (ytd only) | -14.3528% | 7,055 |
| Net charge-offs to loans | 2.1563% | 852 |
| Credit loss provision to net charge-offs | 214.7820% | 1,627 |
| Earnings coverage of net charge-offs (x) | 0.4378% | 5,587 |
| Efficiency ratio | 83.2633% | 1,922 |
| Assets per employee ($millions) | 3.6188% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2821% | 288 |
| Loan loss allowance to noncurrent loans | 72.6832% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 5.9790% | 999 |
| Noncurrent loans to loans | 5.8915% | 1,083 |
| Net loans and leases to total assets | 69.8361% | 2,767 |
| Net loans and leases to deposits | 85.8916% | 2,368 |
| Net loans and leases to core deposits | 92.6525% | 2,703 |
| Total domestic deposits to total assets | 81.3073% | 5,265 |
| Equity capital to assets | 9.5959% | 4,704 |
| Core capital (leverage) ratio | 7.3221% | 6,990 |
| Tier 1 risk-based capital ratio | 8.9715% | 7,370 |
| Total risk-based capital ratio | 10.2549% | 7,380 |
| Memoranda: | ||
| Average total assets | $237,533,750 | 2,698 |
| Average earning assets | $209,622,250 | 2,796 |
| Average equity | $23,586,000 | 2,741 |
| Average total loans | $174,432,750 | 2,454 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 2,136 |
| Cost of funding earning assets | 1.5783% | 2,784 |
| Net interest margin | 4.0220% | 2,914 |
| Noninterest income to average assets | 0.5959% | 3,369 |
| Noninterest expense to average assets | 3.4678% | 2,103 |
| Loan and lease loss provision to assets | 3.2362% | 292 |
| Net operating income to assets | -1.4611% | 7,140 |
| Return on assets (ROA) | -1.4461% | 7,142 |
| Pretax return on assets | -2.5279% | 7,373 |
| Return on Equity (ROE) | -14.4039% | 7,124 |
| Retained earnings to average equity (ytd only) | -14.4039% | 7,083 |
| Net charge-offs to loans | 2.9424% | 549 |
| Credit loss provision to net charge-offs | 149.4574% | 2,639 |
| Earnings coverage of net charge-offs (x) | 0.3163% | 5,411 |
| Efficiency ratio | 83.5085% | 1,980 |
| Assets per employee ($millions) | 3.6715% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0962% | 762 |
| Loan loss allowance to noncurrent loans | 50.1256% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 6.2308% | 924 |
| Noncurrent loans to loans | 6.1768% | 1,017 |
| Net loans and leases to total assets | 71.7522% | 2,470 |
| Net loans and leases to deposits | 88.5952% | 2,077 |
| Net loans and leases to core deposits | 95.7297% | 2,475 |
| Total domestic deposits to total assets | 80.9889% | 5,401 |
| Equity capital to assets | 9.9137% | 4,119 |
| Core capital (leverage) ratio | 8.1923% | 5,953 |
| Tier 1 risk-based capital ratio | 9.6103% | 7,219 |
| Total risk-based capital ratio | 10.8789% | 7,211 |
| Memoranda: | ||
| Average total assets | $238,303,330 | 2,719 |
| Average earning assets | $210,739,000 | 2,807 |
| Average equity | $23,924,000 | 2,701 |
| Average total loans | $175,370,000 | 2,478 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5549% | 2,346 |
| Cost of funding earning assets | 1.6097% | 2,902 |
| Net interest margin | 3.9452% | 3,127 |
| Noninterest income to average assets | 0.6284% | 3,097 |
| Noninterest expense to average assets | 3.3555% | 2,361 |
| Loan and lease loss provision to assets | 5.0057% | 159 |
| Net operating income to assets | -2.4670% | 7,550 |
| Return on assets (ROA) | -2.4670% | 7,554 |
| Pretax return on assets | -4.2356% | 7,709 |
| Return on Equity (ROE) | -24.4240% | 7,492 |
| Retained earnings to average equity (ytd only) | -24.4240% | 7,449 |
| Net charge-offs to loans | 0.3362% | 3,065 |
| Credit loss provision to net charge-offs | 2,029.0541% | 250 |
| Earnings coverage of net charge-offs (x) | 3.1216% | 3,013 |
| Efficiency ratio | 81.3333% | 2,370 |
| Assets per employee ($millions) | 3.6211% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0014% | 377 |
| Loan loss allowance to noncurrent loans | 68.0872% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 5.8464% | 1,039 |
| Noncurrent loans to loans | 5.8768% | 1,134 |
| Net loans and leases to total assets | 71.0040% | 2,698 |
| Net loans and leases to deposits | 87.7767% | 2,262 |
| Net loans and leases to core deposits | 94.5480% | 2,760 |
| Total domestic deposits to total assets | 80.8917% | 5,497 |
| Equity capital to assets | 9.9956% | 3,881 |
| Core capital (leverage) ratio | 8.0516% | 6,160 |
| Tier 1 risk-based capital ratio | 9.5297% | 7,291 |
| Total risk-based capital ratio | 10.7620% | 7,293 |
| Memoranda: | ||
| Average total assets | $239,966,000 | 2,764 |
| Average earning assets | $212,712,500 | 2,841 |
| Average equity | $24,238,500 | 2,698 |
| Average total loans | $176,060,500 | 2,531 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1251% | 1,448 |
| Cost of funding earning assets | 2.1497% | 2,233 |
| Net interest margin | 3.9754% | 2,966 |
| Noninterest income to average assets | 0.9307% | 1,832 |
| Noninterest expense to average assets | 3.3730% | 2,767 |
| Loan and lease loss provision to assets | 1.7740% | 1,279 |
| Net operating income to assets | -0.3387% | 6,017 |
| Return on assets (ROA) | -0.3467% | 6,015 |
| Pretax return on assets | -0.7045% | 6,194 |
| Return on Equity (ROE) | -3.3744% | 6,039 |
| Retained earnings to average equity (ytd only) | -3.3744% | 5,765 |
| Net charge-offs to loans | 1.1221% | 2,187 |
| Credit loss provision to net charge-offs | 208.7042% | 1,843 |
| Earnings coverage of net charge-offs (x) | 1.2729% | 4,853 |
| Efficiency ratio | 75.7138% | 3,572 |
| Assets per employee ($millions) | 3.7054% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3092% | 1,468 |
| Loan loss allowance to noncurrent loans | 63.3631% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 3.9991% | 1,649 |
| Noncurrent loans to loans | 3.6443% | 2,068 |
| Net loans and leases to total assets | 71.1156% | 2,968 |
| Net loans and leases to deposits | 87.6639% | 2,617 |
| Net loans and leases to core deposits | 103.0869% | 3,678 |
| Total domestic deposits to total assets | 81.1231% | 5,307 |
| Equity capital to assets | 10.2021% | 3,511 |
| Core capital (leverage) ratio | 8.4967% | 5,283 |
| Tier 1 risk-based capital ratio | 10.0515% | 6,823 |
| Total risk-based capital ratio | 11.2639% | 6,827 |
| Memoranda: | ||
| Average total assets | $240,584,400 | 2,714 |
| Average earning assets | $213,287,600 | 2,789 |
| Average equity | $24,715,400 | 2,642 |
| Average total loans | $182,245,600 | 2,485 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2240% | 1,315 |
| Cost of funding earning assets | 2.2490% | 2,189 |
| Net interest margin | 3.9750% | 2,920 |
| Noninterest income to average assets | 0.9622% | 1,735 |
| Noninterest expense to average assets | 3.3768% | 2,645 |
| Loan and lease loss provision to assets | 2.0807% | 852 |
| Net operating income to assets | -0.5113% | 6,433 |
| Return on assets (ROA) | -0.5220% | 6,449 |
| Pretax return on assets | -0.9939% | 6,684 |
| Return on Equity (ROE) | -5.0722% | 6,458 |
| Retained earnings to average equity (ytd only) | -5.0722% | 6,264 |
| Net charge-offs to loans | 1.2904% | 1,595 |
| Credit loss provision to net charge-offs | 210.7666% | 2,085 |
| Earnings coverage of net charge-offs (x) | 1.1178% | 4,942 |
| Efficiency ratio | 75.3695% | 3,621 |
| Assets per employee ($millions) | 3.6366% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1010% | 1,597 |
| Loan loss allowance to noncurrent loans | 72.4248% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 3.3409% | 2,015 |
| Noncurrent loans to loans | 2.9009% | 2,624 |
| Net loans and leases to total assets | 73.6867% | 2,627 |
| Net loans and leases to deposits | 90.6363% | 2,457 |
| Net loans and leases to core deposits | 106.5982% | 3,633 |
| Total domestic deposits to total assets | 81.2993% | 4,962 |
| Equity capital to assets | 10.0357% | 4,048 |
| Core capital (leverage) ratio | 8.4323% | 5,613 |
| Tier 1 risk-based capital ratio | 9.7093% | 7,230 |
| Total risk-based capital ratio | 10.9267% | 7,213 |
| Memoranda: | ||
| Average total assets | $239,591,000 | 2,740 |
| Average earning assets | $212,055,750 | 2,827 |
| Average equity | $24,656,750 | 2,666 |
| Average total loans | $183,299,500 | 2,497 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2098% | 1,420 |
| Cost of funding earning assets | 2.3142% | 2,299 |
| Net interest margin | 3.8957% | 3,136 |
| Noninterest income to average assets | 1.0040% | 1,585 |
| Noninterest expense to average assets | 3.5376% | 2,227 |
| Loan and lease loss provision to assets | 2.1483% | 745 |
| Net operating income to assets | -0.6588% | 6,713 |
| Return on assets (ROA) | -0.6750% | 6,733 |
| Pretax return on assets | -1.2433% | 6,965 |
| Return on Equity (ROE) | -6.5035% | 6,758 |
| Retained earnings to average equity (ytd only) | -6.5035% | 6,510 |
| Net charge-offs to loans | 1.4034% | 1,340 |
| Credit loss provision to net charge-offs | 198.9891% | 2,300 |
| Earnings coverage of net charge-offs (x) | 0.8616% | 4,889 |
| Efficiency ratio | 79.1808% | 3,163 |
| Assets per employee ($millions) | 3.6066% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 2,274 |
| Loan loss allowance to noncurrent loans | 70.2444% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 2.6796% | 2,396 |
| Noncurrent loans to loans | 2.4474% | 2,951 |
| Net loans and leases to total assets | 74.7832% | 2,500 |
| Net loans and leases to deposits | 92.1914% | 2,432 |
| Net loans and leases to core deposits | 107.9711% | 3,615 |
| Total domestic deposits to total assets | 81.1173% | 5,032 |
| Equity capital to assets | 10.0611% | 3,856 |
| Core capital (leverage) ratio | 8.5086% | 5,435 |
| Tier 1 risk-based capital ratio | 9.8057% | 7,133 |
| Total risk-based capital ratio | 11.0232% | 7,106 |
| Memoranda: | ||
| Average total assets | $238,238,330 | 2,770 |
| Average earning assets | $211,826,000 | 2,844 |
| Average equity | $24,725,000 | 2,666 |
| Average total loans | $183,269,330 | 2,531 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3018% | 1,292 |
| Cost of funding earning assets | 2.3821% | 2,368 |
| Net interest margin | 3.9196% | 2,975 |
| Noninterest income to average assets | 0.9369% | 1,706 |
| Noninterest expense to average assets | 3.5513% | 1,967 |
| Loan and lease loss provision to assets | 1.2717% | 1,005 |
| Net operating income to assets | -0.1811% | 6,526 |
| Return on assets (ROA) | -0.2114% | 6,652 |
| Pretax return on assets | -0.4414% | 6,777 |
| Return on Equity (ROE) | -2.0055% | 6,660 |
| Retained earnings to average equity (ytd only) | -2.0055% | 6,107 |
| Net charge-offs to loans | 0.2252% | 3,290 |
| Credit loss provision to net charge-offs | 730.0971% | 827 |
| Earnings coverage of net charge-offs (x) | 5.0388% | 2,762 |
| Efficiency ratio | 80.1833% | 2,786 |
| Assets per employee ($millions) | 3.5677% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 3,621 |
| Loan loss allowance to noncurrent loans | 42.9200% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 2.6653% | 2,151 |
| Noncurrent loans to loans | 3.2135% | 2,015 |
| Net loans and leases to total assets | 75.8891% | 2,292 |
| Net loans and leases to deposits | 95.4446% | 2,043 |
| Net loans and leases to core deposits | 111.5736% | 3,254 |
| Total domestic deposits to total assets | 79.5111% | 5,538 |
| Equity capital to assets | 10.4473% | 3,512 |
| Core capital (leverage) ratio | 9.0151% | 4,688 |
| Tier 1 risk-based capital ratio | 10.1763% | 6,741 |
| Total risk-based capital ratio | 11.3746% | 6,699 |
| Memoranda: | ||
| Average total assets | $236,535,500 | 2,808 |
| Average earning assets | $210,735,000 | 2,871 |
| Average equity | $24,931,500 | 2,656 |
| Average total loans | $182,969,000 | 2,552 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8000% | 1,675 |
| Cost of funding earning assets | 2.7672% | 2,844 |
| Net interest margin | 4.0327% | 2,968 |
| Noninterest income to average assets | 0.8039% | 2,496 |
| Noninterest expense to average assets | 3.1787% | 3,418 |
| Loan and lease loss provision to assets | 0.8773% | 1,698 |
| Net operating income to assets | 0.2735% | 5,633 |
| Return on assets (ROA) | 0.2797% | 5,424 |
| Pretax return on assets | 0.3299% | 5,445 |
| Return on Equity (ROE) | 2.6586% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.6586% | 3,524 |
| Net charge-offs to loans | 1.0862% | 1,120 |
| Credit loss provision to net charge-offs | 105.0334% | 5,091 |
| Earnings coverage of net charge-offs (x) | 1.4366% | 5,395 |
| Efficiency ratio | 72.5972% | 3,828 |
| Assets per employee ($millions) | 3.5460% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 5,733 |
| Loan loss allowance to noncurrent loans | 45.4502% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 1.9822% | 2,484 |
| Noncurrent loans to loans | 2.2824% | 2,419 |
| Net loans and leases to total assets | 76.9589% | 2,388 |
| Net loans and leases to deposits | 97.6269% | 2,180 |
| Net loans and leases to core deposits | 110.9886% | 3,687 |
| Total domestic deposits to total assets | 78.8296% | 5,441 |
| Equity capital to assets | 10.6352% | 3,359 |
| Core capital (leverage) ratio | 9.2647% | 4,349 |
| Tier 1 risk-based capital ratio | 10.3652% | 6,348 |
| Total risk-based capital ratio | 11.2530% | 6,615 |
| Memoranda: | ||
| Average total assets | $233,114,600 | 2,727 |
| Average earning assets | $206,633,600 | 2,807 |
| Average equity | $24,524,400 | 2,688 |
| Average total loans | $179,255,800 | 2,509 |