Home > Devon Bank > Performance and Condition Ratios
Devon Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 3,235 |
| Cost of funding earning assets | 2.2557% | 1,300 |
| Net interest margin | 2.6654% | 3,880 |
| Noninterest income to average assets | 1.1400% | 480 |
| Noninterest expense to average assets | 4.3874% | 307 |
| Loan and lease loss provision to assets | -0.1600% | 4,366 |
| Net operating income to assets | -0.4739% | 4,312 |
| Return on assets (ROA) | -0.4739% | 4,342 |
| Pretax return on assets | -0.6495% | 4,351 |
| Return on Equity (ROE) | -8.4200% | 4,370 |
| Retained earnings to average equity (ytd only) | -8.4151% | 4,208 |
| Net charge-offs to loans | 0.0443% | 1,225 |
| Credit loss provision to net charge-offs | -937.5000% | 4,447 |
| Earnings coverage of net charge-offs (x) | -41.4583% | 4,471 |
| Efficiency ratio | 122.6034% | 114 |
| Assets per employee ($millions) | 3.8804% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 2,900 |
| Loan loss allowance to noncurrent loans | 602.9570% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,156 |
| Noncurrent loans to loans | 0.1765% | 2,861 |
| Net loans and leases to total assets | 42.9900% | 3,877 |
| Net loans and leases to deposits | 64.9075% | 3,213 |
| Net loans and leases to core deposits | 74.3586% | 3,057 |
| Total domestic deposits to total assets | 66.2400% | 4,260 |
| Equity capital to assets | 5.7567% | 4,286 |
| Core capital (leverage) ratio | 5.9137% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3346% | 2,723 |
| Memoranda: | ||
| Average total assets | $492,042,500 | 1,799 |
| Average earning assets | $450,056,500 | 1,814 |
| Average equity | $27,712,000 | 2,551 |
| Average total loans | $216,744,000 | 2,304 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 3,108 |
| Cost of funding earning assets | 2.6188% | 942 |
| Net interest margin | 2.3778% | 4,017 |
| Noninterest income to average assets | 1.3100% | 407 |
| Noninterest expense to average assets | 4.1285% | 346 |
| Loan and lease loss provision to assets | -0.1300% | 4,389 |
| Net operating income to assets | -0.4706% | 4,341 |
| Return on assets (ROA) | -0.4393% | 4,364 |
| Pretax return on assets | -0.4915% | 4,357 |
| Return on Equity (ROE) | -7.3100% | 4,389 |
| Retained earnings to average equity (ytd only) | -7.3143% | 4,354 |
| Net charge-offs to loans | 0.0660% | 1,472 |
| Credit loss provision to net charge-offs | -561.1842% | 4,437 |
| Earnings coverage of net charge-offs (x) | -22.2237% | 4,476 |
| Efficiency ratio | 118.8210% | 136 |
| Assets per employee ($millions) | 4.1786% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 2,598 |
| Loan loss allowance to noncurrent loans | 666.3102% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,149 |
| Noncurrent loans to loans | 0.1679% | 2,839 |
| Net loans and leases to total assets | 43.9200% | 3,894 |
| Net loans and leases to deposits | 66.5719% | 3,166 |
| Net loans and leases to core deposits | 79.0592% | 2,841 |
| Total domestic deposits to total assets | 65.9700% | 4,277 |
| Equity capital to assets | 5.9626% | 4,218 |
| Core capital (leverage) ratio | 6.4740% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1468% | 2,722 |
| Memoranda: | ||
| Average total assets | $516,561,200 | 1,734 |
| Average earning assets | $469,721,800 | 1,751 |
| Average equity | $31,021,600 | 2,337 |
| Average total loans | $230,330,400 | 2,191 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 3,214 |
| Cost of funding earning assets | 2.6589% | 895 |
| Net interest margin | 2.2310% | 4,138 |
| Noninterest income to average assets | 1.5600% | 336 |
| Noninterest expense to average assets | 4.1215% | 347 |
| Loan and lease loss provision to assets | -0.0500% | 4,301 |
| Net operating income to assets | -0.3592% | 4,360 |
| Return on assets (ROA) | -0.3224% | 4,374 |
| Pretax return on assets | -0.4440% | 4,390 |
| Return on Equity (ROE) | -5.3000% | 4,393 |
| Retained earnings to average equity (ytd only) | -5.3025% | 4,343 |
| Net charge-offs to loans | 0.0477% | 1,430 |
| Credit loss provision to net charge-offs | -455.4217% | 4,458 |
| Earnings coverage of net charge-offs (x) | -25.2530% | 4,513 |
| Efficiency ratio | 114.9714% | 151 |
| Assets per employee ($millions) | 4.1913% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,512 |
| Loan loss allowance to noncurrent loans | 805.5703% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,200 |
| Noncurrent loans to loans | 0.1678% | 2,877 |
| Net loans and leases to total assets | 43.3400% | 3,926 |
| Net loans and leases to deposits | 67.1887% | 3,174 |
| Net loans and leases to core deposits | 80.1671% | 2,795 |
| Total domestic deposits to total assets | 64.5100% | 4,321 |
| Equity capital to assets | 6.2415% | 4,296 |
| Core capital (leverage) ratio | 6.4859% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2427% | 2,732 |
| Memoranda: | ||
| Average total assets | $520,699,250 | 1,714 |
| Average earning assets | $472,958,250 | 1,737 |
| Average equity | $31,657,000 | 2,309 |
| Average total loans | $232,238,500 | 2,163 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 3,216 |
| Cost of funding earning assets | 2.6559% | 835 |
| Net interest margin | 2.1790% | 4,182 |
| Noninterest income to average assets | 1.6300% | 325 |
| Noninterest expense to average assets | 4.2095% | 320 |
| Loan and lease loss provision to assets | -0.0800% | 4,378 |
| Net operating income to assets | -0.5193% | 4,413 |
| Return on assets (ROA) | -0.3253% | 4,401 |
| Pretax return on assets | -0.3253% | 4,385 |
| Return on Equity (ROE) | -5.4000% | 4,415 |
| Retained earnings to average equity (ytd only) | -5.3974% | 4,324 |
| Net charge-offs to loans | 0.0366% | 1,446 |
| Credit loss provision to net charge-offs | -504.6512% | 4,493 |
| Earnings coverage of net charge-offs (x) | -36.6744% | 4,541 |
| Efficiency ratio | 116.6914% | 145 |
| Assets per employee ($millions) | 4.0644% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 1,415 |
| Loan loss allowance to noncurrent loans | 562.9565% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 2,906 |
| Noncurrent loans to loans | 0.2469% | 2,496 |
| Net loans and leases to total assets | 44.1500% | 3,903 |
| Net loans and leases to deposits | 68.7602% | 3,081 |
| Net loans and leases to core deposits | 82.6954% | 2,625 |
| Total domestic deposits to total assets | 64.2100% | 4,332 |
| Equity capital to assets | 5.9953% | 4,210 |
| Core capital (leverage) ratio | 6.5423% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0247% | 2,788 |
| Memoranda: | ||
| Average total assets | $523,820,333 | 1,710 |
| Average earning assets | $475,538,667 | 1,728 |
| Average equity | $31,571,000 | 2,288 |
| Average total loans | $234,761,000 | 2,143 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 3,080 |
| Cost of funding earning assets | 2.6589% | 759 |
| Net interest margin | 2.1857% | 4,195 |
| Noninterest income to average assets | 1.4500% | 345 |
| Noninterest expense to average assets | 3.8401% | 407 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | -0.3260% | 4,421 |
| Return on assets (ROA) | -0.2184% | 4,375 |
| Pretax return on assets | -0.3036% | 4,381 |
| Return on Equity (ROE) | -3.6100% | 4,390 |
| Retained earnings to average equity (ytd only) | -3.6144% | 4,049 |
| Net charge-offs to loans | 0.0696% | 894 |
| Credit loss provision to net charge-offs | 90.2439% | 1,230 |
| Earnings coverage of net charge-offs (x) | -13.1951% | 4,551 |
| Efficiency ratio | 112.0089% | 169 |
| Assets per employee ($millions) | 4.2709% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 1,170 |
| Loan loss allowance to noncurrent loans | 1,559.3750% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,399 |
| Noncurrent loans to loans | 0.0941% | 3,129 |
| Net loans and leases to total assets | 45.0000% | 3,852 |
| Net loans and leases to deposits | 68.2319% | 3,036 |
| Net loans and leases to core deposits | 84.4839% | 2,408 |
| Total domestic deposits to total assets | 65.9500% | 4,373 |
| Equity capital to assets | 6.0508% | 4,187 |
| Core capital (leverage) ratio | 6.5436% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0283% | 2,799 |
| Memoranda: | ||
| Average total assets | $525,611,000 | 1,710 |
| Average earning assets | $476,744,000 | 1,727 |
| Average equity | $31,761,500 | 2,281 |
| Average total loans | $235,685,500 | 2,137 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 2,600 |
| Cost of funding earning assets | 2.4006% | 460 |
| Net interest margin | 2.3370% | 4,230 |
| Noninterest income to average assets | 1.9800% | 269 |
| Noninterest expense to average assets | 4.0062% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0592% | 4,280 |
| Return on assets (ROA) | 0.0389% | 4,323 |
| Pretax return on assets | 0.0768% | 4,295 |
| Return on Equity (ROE) | 0.6700% | 4,290 |
| Retained earnings to average equity (ytd only) | -1.7356% | 4,251 |
| Net charge-offs to loans | 0.0449% | 1,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 4.7315% | 2,568 |
| Efficiency ratio | 97.6835% | 223 |
| Assets per employee ($millions) | 4.3103% | 4,043 |
| Cash dividends to net income (ytd only)* | 359.3301% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 1,054 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 43.3600% | 3,924 |
| Net loans and leases to deposits | 63.3754% | 3,325 |
| Net loans and leases to core deposits | 80.8498% | 2,661 |
| Total domestic deposits to total assets | 68.4300% | 4,333 |
| Equity capital to assets | 6.0349% | 4,226 |
| Core capital (leverage) ratio | 6.5177% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1821% | 2,794 |
| Memoranda: | ||
| Average total assets | $537,872,200 | 1,649 |
| Average earning assets | $488,711,000 | 1,668 |
| Average equity | $31,229,200 | 2,212 |
| Average total loans | $240,738,800 | 2,056 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 2,645 |
| Cost of funding earning assets | 2.2688% | 436 |
| Net interest margin | 2.3454% | 4,277 |
| Noninterest income to average assets | 1.5900% | 370 |
| Noninterest expense to average assets | 3.9190% | 377 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | -0.1779% | 4,491 |
| Return on assets (ROA) | -0.1673% | 4,475 |
| Pretax return on assets | -0.2323% | 4,481 |
| Return on Equity (ROE) | -2.9400% | 4,470 |
| Retained earnings to average equity (ytd only) | -6.1969% | 4,448 |
| Net charge-offs to loans | 0.0621% | 1,041 |
| Credit loss provision to net charge-offs | 176.9912% | 1,200 |
| Earnings coverage of net charge-offs (x) | -7.0265% | 4,592 |
| Efficiency ratio | 105.2715% | 128 |
| Assets per employee ($millions) | 4.4416% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,222 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.8800% | 3,877 |
| Net loans and leases to deposits | 65.2960% | 3,190 |
| Net loans and leases to core deposits | 89.5429% | 1,960 |
| Total domestic deposits to total assets | 68.7300% | 4,354 |
| Equity capital to assets | 5.3399% | 4,184 |
| Core capital (leverage) ratio | 6.0265% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0189% | 2,905 |
| Memoranda: | ||
| Average total assets | $539,448,250 | 1,645 |
| Average earning assets | $490,874,250 | 1,662 |
| Average equity | $30,724,500 | 2,217 |
| Average total loans | $242,572,500 | 2,042 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 2,648 |
| Cost of funding earning assets | 2.0777% | 424 |
| Net interest margin | 2.4209% | 4,285 |
| Noninterest income to average assets | 1.4600% | 339 |
| Noninterest expense to average assets | 4.0666% | 327 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | -0.3305% | 4,549 |
| Return on assets (ROA) | -0.3145% | 4,537 |
| Pretax return on assets | -0.4347% | 4,544 |
| Return on Equity (ROE) | -5.4000% | 4,547 |
| Retained earnings to average equity (ytd only) | -9.7543% | 4,508 |
| Net charge-offs to loans | 0.0987% | 686 |
| Credit loss provision to net charge-offs | 105.9322% | 1,401 |
| Earnings coverage of net charge-offs (x) | -9.2373% | 4,632 |
| Efficiency ratio | 111.1543% | 96 |
| Assets per employee ($millions) | 4.2196% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,189 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 44.6800% | 3,855 |
| Net loans and leases to deposits | 65.1776% | 3,112 |
| Net loans and leases to core deposits | 88.4238% | 1,903 |
| Total domestic deposits to total assets | 68.5500% | 4,394 |
| Equity capital to assets | 5.7157% | 4,229 |
| Core capital (leverage) ratio | 6.1288% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3035% | 2,919 |
| Memoranda: | ||
| Average total assets | $534,199,667 | 1,654 |
| Average earning assets | $486,017,000 | 1,671 |
| Average equity | $31,083,667 | 2,214 |
| Average total loans | $239,150,667 | 2,058 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,640 |
| Cost of funding earning assets | 1.8215% | 432 |
| Net interest margin | 2.5447% | 4,260 |
| Noninterest income to average assets | 1.4300% | 346 |
| Noninterest expense to average assets | 3.9395% | 370 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | -0.1653% | 4,542 |
| Return on assets (ROA) | -0.1653% | 4,528 |
| Pretax return on assets | -0.2251% | 4,532 |
| Return on Equity (ROE) | -2.8600% | 4,522 |
| Retained earnings to average equity (ytd only) | -5.4576% | 4,349 |
| Net charge-offs to loans | -0.0453% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 105.0030% | 131 |
| Assets per employee ($millions) | 4.4825% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,165 |
| Loan loss allowance to noncurrent loans | 992.4528% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 3,120 |
| Noncurrent loans to loans | 0.1546% | 2,714 |
| Net loans and leases to total assets | 43.5700% | 3,885 |
| Net loans and leases to deposits | 62.2110% | 3,215 |
| Net loans and leases to core deposits | 88.0504% | 1,737 |
| Total domestic deposits to total assets | 70.0400% | 4,417 |
| Equity capital to assets | 5.7280% | 4,283 |
| Core capital (leverage) ratio | 6.5648% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6167% | 2,986 |
| Memoranda: | ||
| Average total assets | $534,888,500 | 1,668 |
| Average earning assets | $487,279,000 | 1,687 |
| Average equity | $30,856,000 | 2,257 |
| Average total loans | $238,154,000 | 2,080 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4881% | 3,110 |
| Cost of funding earning assets | 0.7104% | 561 |
| Net interest margin | 2.7777% | 3,929 |
| Noninterest income to average assets | 2.7900% | 185 |
| Noninterest expense to average assets | 4.4484% | 261 |
| Loan and lease loss provision to assets | -0.2800% | 4,657 |
| Net operating income to assets | 0.8394% | 3,192 |
| Return on assets (ROA) | 0.8481% | 3,089 |
| Pretax return on assets | 1.1645% | 2,549 |
| Return on Equity (ROE) | 13.9900% | 1,531 |
| Retained earnings to average equity (ytd only) | 12.1845% | 634 |
| Net charge-offs to loans | -0.0829% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.5974% | 507 |
| Assets per employee ($millions) | 4.2532% | 4,171 |
| Cash dividends to net income (ytd only)* | 12.9001% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 1,130 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 44.1200% | 3,888 |
| Net loans and leases to deposits | 63.5957% | 3,070 |
| Net loans and leases to core deposits | 81.6686% | 2,028 |
| Total domestic deposits to total assets | 69.3700% | 4,485 |
| Equity capital to assets | 5.8105% | 4,152 |
| Core capital (leverage) ratio | 6.7466% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9043% | 2,980 |
| Memoranda: | ||
| Average total assets | $489,906,800 | 1,744 |
| Average earning assets | $446,803,800 | 1,767 |
| Average equity | $29,701,600 | 2,346 |
| Average total loans | $228,098,000 | 2,066 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1790% | 3,486 |
| Cost of funding earning assets | 0.4855% | 811 |
| Net interest margin | 2.6934% | 3,943 |
| Noninterest income to average assets | 2.6900% | 200 |
| Noninterest expense to average assets | 4.2640% | 278 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.6607% | 3,665 |
| Return on assets (ROA) | 0.6726% | 3,600 |
| Pretax return on assets | 0.9165% | 3,268 |
| Return on Equity (ROE) | 10.9700% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.7873% | 1,408 |
| Net charge-offs to loans | -0.1404% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.8821% | 613 |
| Assets per employee ($millions) | 3.9134% | 4,355 |
| Cash dividends to net income (ytd only)* | 10.7673% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 423 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 46.1000% | 3,750 |
| Net loans and leases to deposits | 63.9884% | 2,865 |
| Net loans and leases to core deposits | 80.1629% | 1,889 |
| Total domestic deposits to total assets | 72.0500% | 4,507 |
| Equity capital to assets | 5.7583% | 4,057 |
| Core capital (leverage) ratio | 6.7779% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0522% | 3,030 |
| Memoranda: | ||
| Average total assets | $480,535,750 | 1,784 |
| Average earning assets | $438,540,500 | 1,802 |
| Average equity | $29,466,000 | 2,394 |
| Average total loans | $226,052,000 | 2,071 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9101% | 3,751 |
| Cost of funding earning assets | 0.3158% | 1,568 |
| Net interest margin | 2.5944% | 3,924 |
| Noninterest income to average assets | 2.7568% | 166 |
| Noninterest expense to average assets | 4.4006% | 222 |
| Loan and lease loss provision to assets | -0.0318% | 4,472 |
| Net operating income to assets | 0.5550% | 3,750 |
| Return on assets (ROA) | 0.5550% | 3,700 |
| Pretax return on assets | 0.7565% | 3,435 |
| Return on Equity (ROE) | 8.8587% | 2,744 |
| Retained earnings to average equity (ytd only) | 7.2640% | 1,889 |
| Net charge-offs to loans | -0.1368% | 4,518 |
| Credit loss provision to net charge-offs | 49.3421% | 1,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8594% | 583 |
| Assets per employee ($millions) | 3.5317% | 4,543 |
| Cash dividends to net income (ytd only)* | 18.0015% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1388% | 414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 45.9743% | 3,711 |
| Net loans and leases to deposits | 58.1098% | 3,216 |
| Net loans and leases to core deposits | 75.9806% | 2,018 |
| Total domestic deposits to total assets | 79.1163% | 4,290 |
| Equity capital to assets | 5.8509% | 4,256 |
| Core capital (leverage) ratio | 6.7533% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8843% | 3,027 |
| Memoranda: | ||
| Average total assets | $472,436,667 | 1,812 |
| Average earning assets | $431,320,000 | 1,839 |
| Average equity | $29,598,000 | 2,438 |
| Average total loans | $222,169,667 | 2,095 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7506% | 3,840 |
| Cost of funding earning assets | 0.2147% | 2,601 |
| Net interest margin | 2.5360% | 3,822 |
| Noninterest income to average assets | 2.5460% | 181 |
| Noninterest expense to average assets | 4.5631% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2184% | 4,300 |
| Return on assets (ROA) | 0.2184% | 4,268 |
| Pretax return on assets | 0.2973% | 4,190 |
| Return on Equity (ROE) | 3.3676% | 4,017 |
| Retained earnings to average equity (ytd only) | 2.0312% | 3,528 |
| Net charge-offs to loans | -0.1511% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8826% | 385 |
| Assets per employee ($millions) | 3.3696% | 4,591 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3092% | 368 |
| Loan loss allowance to noncurrent loans | 25,105.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,050 |
| Noncurrent loans to loans | 0.0092% | 3,956 |
| Net loans and leases to total assets | 45.0273% | 3,653 |
| Net loans and leases to deposits | 58.1086% | 3,069 |
| Net loans and leases to core deposits | 75.2751% | 1,824 |
| Total domestic deposits to total assets | 77.4881% | 4,435 |
| Equity capital to assets | 6.2714% | 4,505 |
| Core capital (leverage) ratio | 6.9155% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0793% | 3,041 |
| Memoranda: | ||
| Average total assets | $461,438,500 | 1,854 |
| Average earning assets | $421,140,500 | 1,882 |
| Average equity | $29,932,500 | 2,486 |
| Average total loans | $217,114,500 | 2,118 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9055% | 4,045 |
| Cost of funding earning assets | 0.2048% | 3,416 |
| Net interest margin | 2.7006% | 3,868 |
| Noninterest income to average assets | 3.6650% | 151 |
| Noninterest expense to average assets | 5.3618% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5514% | 3,978 |
| Return on assets (ROA) | 0.5522% | 4,026 |
| Pretax return on assets | 0.7625% | 3,805 |
| Return on Equity (ROE) | 7.9895% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.7590% | 1,637 |
| Net charge-offs to loans | 0.0070% | 2,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 203.1875% | 541 |
| Efficiency ratio | 87.5626% | 405 |
| Assets per employee ($millions) | 3.3171% | 4,626 |
| Cash dividends to net income (ytd only)* | 2.8850% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2920% | 389 |
| Loan loss allowance to noncurrent loans | 26,152.6316% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 2,948 |
| Noncurrent loans to loans | 0.0088% | 4,039 |
| Net loans and leases to total assets | 46.9541% | 3,606 |
| Net loans and leases to deposits | 61.3359% | 2,952 |
| Net loans and leases to core deposits | 77.4729% | 1,806 |
| Total domestic deposits to total assets | 76.5524% | 4,485 |
| Equity capital to assets | 6.7120% | 4,761 |
| Core capital (leverage) ratio | 6.7565% | 4,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9396% | 3,051 |
| Memoranda: | ||
| Average total assets | $426,872,600 | 1,903 |
| Average earning assets | $388,579,600 | 1,939 |
| Average equity | $29,501,400 | 2,566 |
| Average total loans | $227,878,000 | 2,059 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8928% | 4,185 |
| Cost of funding earning assets | 0.2114% | 3,503 |
| Net interest margin | 2.6814% | 4,010 |
| Noninterest income to average assets | 3.6709% | 158 |
| Noninterest expense to average assets | 5.1012% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7294% | 3,695 |
| Return on assets (ROA) | 0.7294% | 3,758 |
| Pretax return on assets | 1.0098% | 3,427 |
| Return on Equity (ROE) | 10.4729% | 2,563 |
| Retained earnings to average equity (ytd only) | 10.2818% | 1,235 |
| Net charge-offs to loans | -0.0676% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4759% | 549 |
| Assets per employee ($millions) | 3.3014% | 4,698 |
| Cash dividends to net income (ytd only)* | 1.8245% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6327% | 230 |
| Loan loss allowance to noncurrent loans | 689.5417% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 2,144 |
| Noncurrent loans to loans | 0.3818% | 2,414 |
| Net loans and leases to total assets | 48.3357% | 3,597 |
| Net loans and leases to deposits | 63.8794% | 2,865 |
| Net loans and leases to core deposits | 75.9115% | 2,059 |
| Total domestic deposits to total assets | 75.6672% | 4,563 |
| Equity capital to assets | 6.6945% | 4,855 |
| Core capital (leverage) ratio | 6.8180% | 4,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8241% | 3,102 |
| Memoranda: | ||
| Average total assets | $420,808,250 | 1,943 |
| Average earning assets | $382,923,000 | 1,976 |
| Average equity | $29,306,750 | 2,612 |
| Average total loans | $230,649,250 | 2,085 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8987% | 4,227 |
| Cost of funding earning assets | 0.2215% | 3,547 |
| Net interest margin | 2.6772% | 4,026 |
| Noninterest income to average assets | 3.7889% | 148 |
| Noninterest expense to average assets | 5.1248% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7870% | 3,547 |
| Return on assets (ROA) | 0.7870% | 3,613 |
| Pretax return on assets | 1.0967% | 3,226 |
| Return on Equity (ROE) | 11.1439% | 2,375 |
| Retained earnings to average equity (ytd only) | 11.0200% | 1,120 |
| Net charge-offs to loans | -0.0669% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3722% | 645 |
| Assets per employee ($millions) | 3.1267% | 4,762 |
| Cash dividends to net income (ytd only)* | 1.1118% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 271 |
| Loan loss allowance to noncurrent loans | 903.7209% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 2,471 |
| Noncurrent loans to loans | 0.2791% | 2,935 |
| Net loans and leases to total assets | 51.8306% | 3,361 |
| Net loans and leases to deposits | 69.1791% | 2,495 |
| Net loans and leases to core deposits | 80.6202% | 1,835 |
| Total domestic deposits to total assets | 74.9223% | 4,623 |
| Equity capital to assets | 6.8177% | 4,874 |
| Core capital (leverage) ratio | 6.8123% | 4,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3283% | 3,058 |
| Memoranda: | ||
| Average total assets | $411,412,667 | 1,964 |
| Average earning assets | $373,823,333 | 2,002 |
| Average equity | $29,056,333 | 2,621 |
| Average total loans | $233,234,667 | 2,074 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9947% | 4,098 |
| Cost of funding earning assets | 0.2362% | 3,597 |
| Net interest margin | 2.7585% | 3,852 |
| Noninterest income to average assets | 4.0359% | 147 |
| Noninterest expense to average assets | 5.1214% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0445% | 2,655 |
| Return on assets (ROA) | 1.0445% | 2,737 |
| Pretax return on assets | 1.4147% | 2,241 |
| Return on Equity (ROE) | 14.5156% | 1,326 |
| Retained earnings to average equity (ytd only) | 14.5156% | 690 |
| Net charge-offs to loans | -0.0717% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3560% | 927 |
| Assets per employee ($millions) | 2.8769% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4980% | 262 |
| Loan loss allowance to noncurrent loans | 697.9518% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 2,361 |
| Noncurrent loans to loans | 0.3579% | 2,798 |
| Net loans and leases to total assets | 56.1396% | 3,016 |
| Net loans and leases to deposits | 72.1450% | 2,296 |
| Net loans and leases to core deposits | 83.8646% | 1,690 |
| Total domestic deposits to total assets | 77.8149% | 4,456 |
| Equity capital to assets | 7.1490% | 4,808 |
| Core capital (leverage) ratio | 7.0021% | 4,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7717% | 2,966 |
| Memoranda: | ||
| Average total assets | $399,810,000 | 1,992 |
| Average earning assets | $362,376,000 | 2,035 |
| Average equity | $28,769,000 | 2,632 |
| Average total loans | $234,305,000 | 2,071 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 3,534 |
| Cost of funding earning assets | 0.3997% | 3,580 |
| Net interest margin | 3.3178% | 3,025 |
| Noninterest income to average assets | 3.8668% | 141 |
| Noninterest expense to average assets | 5.5622% | 151 |
| Loan and lease loss provision to assets | 0.7637% | 176 |
| Net operating income to assets | 0.3930% | 4,258 |
| Return on assets (ROA) | 0.4784% | 4,160 |
| Pretax return on assets | 0.6513% | 3,978 |
| Return on Equity (ROE) | 5.9101% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.6996% | 2,419 |
| Net charge-offs to loans | 0.1527% | 1,066 |
| Credit loss provision to net charge-offs | 752.8409% | 952 |
| Earnings coverage of net charge-offs (x) | 12.8835% | 2,310 |
| Efficiency ratio | 80.9734% | 817 |
| Assets per employee ($millions) | 2.9838% | 4,811 |
| Cash dividends to net income (ytd only)* | 20.4819% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4292% | 286 |
| Loan loss allowance to noncurrent loans | 330.8400% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 1,777 |
| Noncurrent loans to loans | 0.7343% | 1,868 |
| Net loans and leases to total assets | 58.1967% | 3,062 |
| Net loans and leases to deposits | 78.1874% | 2,050 |
| Net loans and leases to core deposits | 88.2180% | 1,666 |
| Total domestic deposits to total assets | 74.4323% | 4,613 |
| Equity capital to assets | 7.2431% | 4,881 |
| Core capital (leverage) ratio | 7.1005% | 4,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1435% | 3,073 |
| Memoranda: | ||
| Average total assets | $346,983,000 | 2,068 |
| Average earning assets | $314,005,000 | 2,099 |
| Average equity | $28,087,600 | 2,594 |
| Average total loans | $230,472,800 | 2,033 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 3,324 |
| Cost of funding earning assets | 0.4381% | 3,592 |
| Net interest margin | 3.4415% | 2,778 |
| Noninterest income to average assets | 3.4760% | 155 |
| Noninterest expense to average assets | 5.1125% | 180 |
| Loan and lease loss provision to assets | 0.4385% | 750 |
| Net operating income to assets | 0.7520% | 3,278 |
| Return on assets (ROA) | 0.8701% | 2,956 |
| Pretax return on assets | 1.1870% | 2,433 |
| Return on Equity (ROE) | 10.4235% | 1,866 |
| Retained earnings to average equity (ytd only) | 8.8000% | 1,038 |
| Net charge-offs to loans | 0.0815% | 1,487 |
| Credit loss provision to net charge-offs | 785.7143% | 993 |
| Earnings coverage of net charge-offs (x) | 26.4500% | 1,693 |
| Efficiency ratio | 77.5983% | 1,078 |
| Assets per employee ($millions) | 3.2103% | 4,777 |
| Cash dividends to net income (ytd only)* | 15.5749% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 684 |
| Loan loss allowance to noncurrent loans | 131.8494% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 1,167 |
| Noncurrent loans to loans | 1.3839% | 1,052 |
| Net loans and leases to total assets | 63.7633% | 2,795 |
| Net loans and leases to deposits | 87.0842% | 1,584 |
| Net loans and leases to core deposits | 92.7136% | 1,738 |
| Total domestic deposits to total assets | 73.2203% | 4,619 |
| Equity capital to assets | 7.8469% | 4,764 |
| Core capital (leverage) ratio | 7.7155% | 4,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5836% | 3,012 |
| Memoranda: | ||
| Average total assets | $334,516,500 | 2,100 |
| Average earning assets | $302,533,500 | 2,134 |
| Average equity | $27,923,500 | 2,601 |
| Average total loans | $228,915,250 | 2,041 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 3,289 |
| Cost of funding earning assets | 0.4842% | 3,633 |
| Net interest margin | 3.5285% | 2,705 |
| Noninterest income to average assets | 2.9917% | 163 |
| Noninterest expense to average assets | 4.9638% | 195 |
| Loan and lease loss provision to assets | 0.6369% | 472 |
| Net operating income to assets | 0.4136% | 4,209 |
| Return on assets (ROA) | 0.5977% | 3,822 |
| Pretax return on assets | 0.8115% | 3,552 |
| Return on Equity (ROE) | 6.9987% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.8346% | 2,145 |
| Net charge-offs to loans | 0.2636% | 598 |
| Credit loss provision to net charge-offs | 346.2838% | 1,523 |
| Earnings coverage of net charge-offs (x) | 6.6081% | 2,425 |
| Efficiency ratio | 80.3318% | 872 |
| Assets per employee ($millions) | 3.3675% | 4,722 |
| Cash dividends to net income (ytd only)* | 16.6320% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 823 |
| Loan loss allowance to noncurrent loans | 162.6604% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 1,591 |
| Noncurrent loans to loans | 1.0421% | 1,498 |
| Net loans and leases to total assets | 67.9481% | 2,363 |
| Net loans and leases to deposits | 83.5249% | 2,042 |
| Net loans and leases to core deposits | 88.6426% | 2,187 |
| Total domestic deposits to total assets | 81.3507% | 3,532 |
| Equity capital to assets | 7.8576% | 4,784 |
| Core capital (leverage) ratio | 7.3772% | 4,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2477% | 3,130 |
| Memoranda: | ||
| Average total assets | $321,892,000 | 2,139 |
| Average earning assets | $290,773,667 | 2,182 |
| Average equity | $27,491,000 | 2,614 |
| Average total loans | $224,600,000 | 2,049 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 2,909 |
| Cost of funding earning assets | 0.5561% | 3,659 |
| Net interest margin | 3.7479% | 2,151 |
| Noninterest income to average assets | 2.3985% | 210 |
| Noninterest expense to average assets | 5.3371% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3124% | 4,319 |
| Return on assets (ROA) | 0.4889% | 3,977 |
| Pretax return on assets | 0.6597% | 3,794 |
| Return on Equity (ROE) | 5.4681% | 3,483 |
| Retained earnings to average equity (ytd only) | 4.2921% | 2,577 |
| Net charge-offs to loans | -0.0112% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4425% | 412 |
| Assets per employee ($millions) | 2.9971% | 4,796 |
| Cash dividends to net income (ytd only)* | 21.5054% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 1,064 |
| Loan loss allowance to noncurrent loans | 152.6478% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 1,727 |
| Noncurrent loans to loans | 1.0493% | 1,583 |
| Net loans and leases to total assets | 66.8840% | 2,710 |
| Net loans and leases to deposits | 80.0717% | 2,670 |
| Net loans and leases to core deposits | 85.2584% | 2,736 |
| Total domestic deposits to total assets | 83.5301% | 2,939 |
| Equity capital to assets | 8.6492% | 4,772 |
| Core capital (leverage) ratio | 8.1825% | 4,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3118% | 3,273 |
| Memoranda: | ||
| Average total assets | $304,362,000 | 2,181 |
| Average earning assets | $274,071,000 | 2,234 |
| Average equity | $27,212,500 | 2,628 |
| Average total loans | $213,538,000 | 2,095 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 2,443 |
| Cost of funding earning assets | 0.7207% | 3,064 |
| Net interest margin | 3.9375% | 2,040 |
| Noninterest income to average assets | 2.0554% | 246 |
| Noninterest expense to average assets | 5.0628% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3831% | 4,625 |
| Return on assets (ROA) | 0.4312% | 4,572 |
| Pretax return on assets | 0.5885% | 4,429 |
| Return on Equity (ROE) | 4.7953% | 4,269 |
| Retained earnings to average equity (ytd only) | 4.1829% | 2,866 |
| Net charge-offs to loans | 0.1809% | 1,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4.1545% | 3,251 |
| Efficiency ratio | 90.5621% | 335 |
| Assets per employee ($millions) | 2.9084% | 4,862 |
| Cash dividends to net income (ytd only)* | 12.7694% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 880 |
| Loan loss allowance to noncurrent loans | 279.3689% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 2,409 |
| Noncurrent loans to loans | 0.5911% | 2,408 |
| Net loans and leases to total assets | 70.7066% | 2,289 |
| Net loans and leases to deposits | 78.4166% | 2,963 |
| Net loans and leases to core deposits | 83.3902% | 3,009 |
| Total domestic deposits to total assets | 90.1679% | 269 |
| Equity capital to assets | 9.2067% | 4,565 |
| Core capital (leverage) ratio | 8.3157% | 4,941 |
| Tier 1 risk-based capital ratio | 10.6433% | 4,971 |
| Total risk-based capital ratio | 11.8965% | 4,897 |
| Memoranda: | ||
| Average total assets | $290,551,400 | 2,219 |
| Average earning assets | $260,851,000 | 2,270 |
| Average equity | $26,130,000 | 2,622 |
| Average total loans | $204,021,200 | 2,141 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 2,481 |
| Cost of funding earning assets | 0.7395% | 3,017 |
| Net interest margin | 3.9401% | 2,133 |
| Noninterest income to average assets | 1.8663% | 298 |
| Noninterest expense to average assets | 4.9453% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3340% | 4,801 |
| Return on assets (ROA) | 0.3801% | 4,780 |
| Pretax return on assets | 0.5182% | 4,675 |
| Return on Equity (ROE) | 4.2512% | 4,540 |
| Retained earnings to average equity (ytd only) | 3.8405% | 3,476 |
| Net charge-offs to loans | 0.2598% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.5367% | 3,187 |
| Efficiency ratio | 91.4912% | 284 |
| Assets per employee ($millions) | 2.8598% | 4,951 |
| Cash dividends to net income (ytd only)* | 9.6615% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 856 |
| Loan loss allowance to noncurrent loans | 261.0053% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 2,013 |
| Noncurrent loans to loans | 0.6430% | 2,350 |
| Net loans and leases to total assets | 69.5105% | 2,548 |
| Net loans and leases to deposits | 76.9893% | 3,203 |
| Net loans and leases to core deposits | 81.8666% | 3,259 |
| Total domestic deposits to total assets | 90.2859% | 215 |
| Equity capital to assets | 9.1903% | 4,670 |
| Core capital (leverage) ratio | 8.3357% | 5,016 |
| Tier 1 risk-based capital ratio | 10.7447% | 5,004 |
| Total risk-based capital ratio | 11.9984% | 4,913 |
| Memoranda: | ||
| Average total assets | $290,478,250 | 2,231 |
| Average earning assets | $260,901,000 | 2,283 |
| Average equity | $25,968,250 | 2,646 |
| Average total loans | $202,751,750 | 2,163 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 2,466 |
| Cost of funding earning assets | 0.7545% | 2,875 |
| Net interest margin | 3.9087% | 2,218 |
| Noninterest income to average assets | 1.6981% | 336 |
| Noninterest expense to average assets | 4.8106% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2950% | 4,880 |
| Return on assets (ROA) | 0.2955% | 4,890 |
| Pretax return on assets | 0.4020% | 4,826 |
| Return on Equity (ROE) | 3.3364% | 4,720 |
| Retained earnings to average equity (ytd only) | 3.3364% | 3,562 |
| Net charge-offs to loans | -0.1424% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2996% | 272 |
| Assets per employee ($millions) | 2.7925% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 492 |
| Loan loss allowance to noncurrent loans | 165.8720% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 1,515 |
| Noncurrent loans to loans | 1.1936% | 1,343 |
| Net loans and leases to total assets | 68.9334% | 2,684 |
| Net loans and leases to deposits | 76.3836% | 3,298 |
| Net loans and leases to core deposits | 81.3270% | 3,309 |
| Total domestic deposits to total assets | 90.2463% | 260 |
| Equity capital to assets | 9.2218% | 4,634 |
| Core capital (leverage) ratio | 8.0281% | 5,162 |
| Tier 1 risk-based capital ratio | 10.5551% | 5,087 |
| Total risk-based capital ratio | 11.8121% | 4,998 |
| Memoranda: | ||
| Average total assets | $291,025,330 | 2,230 |
| Average earning assets | $261,624,670 | 2,290 |
| Average equity | $25,776,000 | 2,652 |
| Average total loans | $202,269,330 | 2,175 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 2,496 |
| Cost of funding earning assets | 0.7340% | 2,865 |
| Net interest margin | 3.8767% | 2,261 |
| Noninterest income to average assets | 1.5422% | 359 |
| Noninterest expense to average assets | 4.6008% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3169% | 4,874 |
| Return on assets (ROA) | 0.3169% | 4,881 |
| Pretax return on assets | 0.4325% | 4,798 |
| Return on Equity (ROE) | 3.6505% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.6505% | 3,462 |
| Net charge-offs to loans | -0.2283% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4077% | 345 |
| Assets per employee ($millions) | 3.0997% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9704% | 535 |
| Loan loss allowance to noncurrent loans | 176.5128% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 1,704 |
| Noncurrent loans to loans | 1.1163% | 1,498 |
| Net loans and leases to total assets | 66.5335% | 2,971 |
| Net loans and leases to deposits | 73.9971% | 3,456 |
| Net loans and leases to core deposits | 78.0916% | 3,513 |
| Total domestic deposits to total assets | 89.9137% | 483 |
| Equity capital to assets | 8.7008% | 4,879 |
| Core capital (leverage) ratio | 7.8372% | 5,240 |
| Tier 1 risk-based capital ratio | 10.3746% | 5,201 |
| Total risk-based capital ratio | 11.6312% | 5,122 |
| Memoranda: | ||
| Average total assets | $294,120,000 | 2,227 |
| Average earning assets | $264,862,000 | 2,284 |
| Average equity | $25,530,500 | 2,677 |
| Average total loans | $203,247,500 | 2,188 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 1,907 |
| Cost of funding earning assets | 0.6462% | 2,421 |
| Net interest margin | 4.0315% | 1,884 |
| Noninterest income to average assets | 1.7408% | 323 |
| Noninterest expense to average assets | 4.8625% | 226 |
| Loan and lease loss provision to assets | 0.0759% | 2,608 |
| Net operating income to assets | 0.4736% | 4,718 |
| Return on assets (ROA) | 0.4736% | 4,721 |
| Pretax return on assets | 0.4288% | 4,908 |
| Return on Equity (ROE) | 5.3064% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.6587% | 2,954 |
| Net charge-offs to loans | -0.1198% | 5,187 |
| Credit loss provision to net charge-offs | -86.4198% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5977% | 320 |
| Assets per employee ($millions) | 3.1252% | 4,909 |
| Cash dividends to net income (ytd only)* | 12.2044% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 624 |
| Loan loss allowance to noncurrent loans | 148.7160% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 1,441 |
| Noncurrent loans to loans | 1.2437% | 1,280 |
| Net loans and leases to total assets | 69.0382% | 2,723 |
| Net loans and leases to deposits | 77.0085% | 3,277 |
| Net loans and leases to core deposits | 81.2863% | 3,325 |
| Total domestic deposits to total assets | 89.6501% | 596 |
| Equity capital to assets | 8.6598% | 4,837 |
| Core capital (leverage) ratio | 7.9659% | 5,249 |
| Tier 1 risk-based capital ratio | 10.1488% | 5,266 |
| Total risk-based capital ratio | 11.4045% | 5,203 |
| Memoranda: | ||
| Average total assets | $276,832,000 | 2,286 |
| Average earning assets | $249,012,200 | 2,344 |
| Average equity | $24,706,200 | 2,662 |
| Average total loans | $202,789,400 | 2,154 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 1,721 |
| Cost of funding earning assets | 0.6215% | 2,322 |
| Net interest margin | 4.0641% | 1,744 |
| Noninterest income to average assets | 1.7505% | 341 |
| Noninterest expense to average assets | 4.8476% | 225 |
| Loan and lease loss provision to assets | 0.1027% | 1,952 |
| Net operating income to assets | 0.4402% | 4,875 |
| Return on assets (ROA) | 0.4402% | 4,881 |
| Pretax return on assets | 0.4529% | 4,965 |
| Return on Equity (ROE) | 4.8933% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.8933% | 3,294 |
| Net charge-offs to loans | -0.0766% | 5,082 |
| Credit loss provision to net charge-offs | -181.0345% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7167% | 337 |
| Assets per employee ($millions) | 2.8970% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 729 |
| Loan loss allowance to noncurrent loans | 155.1869% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 1,565 |
| Noncurrent loans to loans | 1.1580% | 1,460 |
| Net loans and leases to total assets | 72.6035% | 2,230 |
| Net loans and leases to deposits | 82.1894% | 2,796 |
| Net loans and leases to core deposits | 87.0950% | 2,912 |
| Total domestic deposits to total assets | 88.3369% | 1,103 |
| Equity capital to assets | 8.9286% | 4,611 |
| Core capital (leverage) ratio | 8.1827% | 5,260 |
| Tier 1 risk-based capital ratio | 10.1150% | 5,359 |
| Total risk-based capital ratio | 11.3699% | 5,291 |
| Memoranda: | ||
| Average total assets | $272,597,000 | 2,321 |
| Average earning assets | $244,999,750 | 2,387 |
| Average equity | $24,522,750 | 2,692 |
| Average total loans | $201,827,500 | 2,169 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,701 |
| Cost of funding earning assets | 0.5904% | 2,289 |
| Net interest margin | 4.0380% | 1,735 |
| Noninterest income to average assets | 1.7048% | 351 |
| Noninterest expense to average assets | 4.7282% | 251 |
| Loan and lease loss provision to assets | 0.1034% | 1,880 |
| Net operating income to assets | 0.4860% | 4,775 |
| Return on assets (ROA) | 0.4860% | 4,781 |
| Pretax return on assets | 0.5008% | 4,906 |
| Return on Equity (ROE) | 5.3891% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.3891% | 2,881 |
| Net charge-offs to loans | -0.2752% | 5,373 |
| Credit loss provision to net charge-offs | -50.7246% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6688% | 424 |
| Assets per employee ($millions) | 2.8813% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 707 |
| Loan loss allowance to noncurrent loans | 259.7804% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 2,139 |
| Noncurrent loans to loans | 0.7056% | 2,348 |
| Net loans and leases to total assets | 73.2884% | 2,077 |
| Net loans and leases to deposits | 83.0370% | 2,649 |
| Net loans and leases to core deposits | 87.9796% | 2,721 |
| Total domestic deposits to total assets | 88.2598% | 1,242 |
| Equity capital to assets | 8.9199% | 4,618 |
| Core capital (leverage) ratio | 8.0885% | 5,316 |
| Tier 1 risk-based capital ratio | 9.8536% | 5,454 |
| Total risk-based capital ratio | 11.1093% | 5,404 |
| Memoranda: | ||
| Average total assets | $270,757,330 | 2,346 |
| Average earning assets | $243,242,000 | 2,414 |
| Average equity | $24,419,670 | 2,712 |
| Average total loans | $200,564,330 | 2,180 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 1,782 |
| Cost of funding earning assets | 0.5395% | 2,483 |
| Net interest margin | 3.9897% | 1,759 |
| Noninterest income to average assets | 1.4848% | 433 |
| Noninterest expense to average assets | 4.7733% | 248 |
| Loan and lease loss provision to assets | 0.1053% | 1,764 |
| Net operating income to assets | 0.1850% | 5,257 |
| Return on assets (ROA) | 0.1850% | 5,255 |
| Pretax return on assets | 0.2106% | 5,252 |
| Return on Equity (ROE) | 2.2009% | 5,154 |
| Retained earnings to average equity (ytd only) | 2.2009% | 4,291 |
| Net charge-offs to loans | -0.2105% | 5,388 |
| Credit loss provision to net charge-offs | -67.3077% | 3,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7925% | 305 |
| Assets per employee ($millions) | 2.9291% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 809 |
| Loan loss allowance to noncurrent loans | 257.6727% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 2,259 |
| Noncurrent loans to loans | 0.6928% | 2,480 |
| Net loans and leases to total assets | 73.9403% | 1,861 |
| Net loans and leases to deposits | 84.0540% | 2,385 |
| Net loans and leases to core deposits | 89.0206% | 2,537 |
| Total domestic deposits to total assets | 87.9676% | 1,637 |
| Equity capital to assets | 8.4352% | 5,026 |
| Core capital (leverage) ratio | 8.2402% | 5,294 |
| Tier 1 risk-based capital ratio | 10.2210% | 5,434 |
| Total risk-based capital ratio | 11.4763% | 5,361 |
| Memoranda: | ||
| Average total assets | $265,893,500 | 2,392 |
| Average earning assets | $240,218,000 | 2,446 |
| Average equity | $22,354,000 | 2,923 |
| Average total loans | $197,594,500 | 2,210 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 1,493 |
| Cost of funding earning assets | 0.4374% | 2,898 |
| Net interest margin | 4.1403% | 1,326 |
| Noninterest income to average assets | 1.8639% | 328 |
| Noninterest expense to average assets | 4.9363% | 228 |
| Loan and lease loss provision to assets | 0.2224% | 890 |
| Net operating income to assets | 0.4459% | 4,550 |
| Return on assets (ROA) | 0.4481% | 4,570 |
| Pretax return on assets | 0.4519% | 5,016 |
| Return on Equity (ROE) | 5.4039% | 4,000 |
| Retained earnings to average equity (ytd only) | 5.4039% | 1,865 |
| Net charge-offs to loans | 0.0963% | 2,119 |
| Credit loss provision to net charge-offs | 319.5652% | 898 |
| Earnings coverage of net charge-offs (x) | 9.6576% | 2,763 |
| Efficiency ratio | 88.0183% | 533 |
| Assets per employee ($millions) | 2.8528% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 924 |
| Loan loss allowance to noncurrent loans | 260.9605% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 2,385 |
| Noncurrent loans to loans | 0.6563% | 2,572 |
| Net loans and leases to total assets | 72.1026% | 2,224 |
| Net loans and leases to deposits | 80.9019% | 2,827 |
| Net loans and leases to core deposits | 86.3195% | 2,888 |
| Total domestic deposits to total assets | 89.1235% | 948 |
| Equity capital to assets | 8.3795% | 5,208 |
| Core capital (leverage) ratio | 8.0669% | 5,417 |
| Tier 1 risk-based capital ratio | 10.1766% | 5,490 |
| Total risk-based capital ratio | 11.4321% | 5,404 |
| Memoranda: | ||
| Average total assets | $264,447,600 | 2,372 |
| Average earning assets | $239,160,600 | 2,431 |
| Average equity | $21,928,600 | 2,963 |
| Average total loans | $191,055,400 | 2,234 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 1,478 |
| Cost of funding earning assets | 0.4137% | 3,052 |
| Net interest margin | 4.1445% | 1,289 |
| Noninterest income to average assets | 1.7724% | 373 |
| Noninterest expense to average assets | 4.8861% | 237 |
| Loan and lease loss provision to assets | 0.2024% | 938 |
| Net operating income to assets | 0.4351% | 4,918 |
| Return on assets (ROA) | 0.4382% | 4,934 |
| Pretax return on assets | 0.4382% | 5,127 |
| Return on Equity (ROE) | 5.2982% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.2982% | 2,685 |
| Net charge-offs to loans | 0.0359% | 2,718 |
| Credit loss provision to net charge-offs | 784.3137% | 439 |
| Earnings coverage of net charge-offs (x) | 24.7053% | 1,757 |
| Efficiency ratio | 88.4584% | 483 |
| Assets per employee ($millions) | 2.9114% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 1,022 |
| Loan loss allowance to noncurrent loans | 215.4746% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 2,399 |
| Noncurrent loans to loans | 0.7918% | 2,378 |
| Net loans and leases to total assets | 72.8686% | 2,118 |
| Net loans and leases to deposits | 81.7620% | 2,801 |
| Net loans and leases to core deposits | 86.8174% | 2,889 |
| Total domestic deposits to total assets | 89.1228% | 818 |
| Equity capital to assets | 8.5091% | 5,280 |
| Core capital (leverage) ratio | 8.4582% | 5,270 |
| Tier 1 risk-based capital ratio | 10.6500% | 5,394 |
| Total risk-based capital ratio | 11.9041% | 5,323 |
| Memoranda: | ||
| Average total assets | $263,518,250 | 2,405 |
| Average earning assets | $238,511,750 | 2,454 |
| Average equity | $21,793,000 | 3,001 |
| Average total loans | $189,638,500 | 2,258 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 1,508 |
| Cost of funding earning assets | 0.3857% | 3,226 |
| Net interest margin | 4.1150% | 1,285 |
| Noninterest income to average assets | 1.8537% | 354 |
| Noninterest expense to average assets | 4.8118% | 247 |
| Loan and lease loss provision to assets | 0.2841% | 556 |
| Net operating income to assets | 0.4833% | 4,747 |
| Return on assets (ROA) | 0.4878% | 4,774 |
| Pretax return on assets | 0.4878% | 5,023 |
| Return on Equity (ROE) | 5.9560% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.9560% | 2,145 |
| Net charge-offs to loans | 0.1680% | 1,157 |
| Credit loss provision to net charge-offs | 237.3418% | 1,120 |
| Earnings coverage of net charge-offs (x) | 6.4114% | 2,716 |
| Efficiency ratio | 86.2458% | 675 |
| Assets per employee ($millions) | 2.7294% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 1,114 |
| Loan loss allowance to noncurrent loans | 183.5063% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 2,210 |
| Noncurrent loans to loans | 0.9102% | 2,151 |
| Net loans and leases to total assets | 70.7564% | 2,407 |
| Net loans and leases to deposits | 81.1753% | 2,785 |
| Net loans and leases to core deposits | 85.5978% | 2,920 |
| Total domestic deposits to total assets | 87.1650% | 1,869 |
| Equity capital to assets | 8.3652% | 5,372 |
| Core capital (leverage) ratio | 8.2204% | 5,414 |
| Tier 1 risk-based capital ratio | 10.6659% | 5,395 |
| Total risk-based capital ratio | 11.9195% | 5,326 |
| Memoranda: | ||
| Average total assets | $264,016,000 | 2,414 |
| Average earning assets | $239,027,000 | 2,457 |
| Average equity | $21,625,330 | 3,019 |
| Average total loans | $188,102,000 | 2,274 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 1,898 |
| Cost of funding earning assets | 0.3548% | 3,476 |
| Net interest margin | 3.9667% | 1,563 |
| Noninterest income to average assets | 1.6856% | 400 |
| Noninterest expense to average assets | 4.8094% | 270 |
| Loan and lease loss provision to assets | 0.2837% | 502 |
| Net operating income to assets | 0.1881% | 5,412 |
| Return on assets (ROA) | 0.1881% | 5,423 |
| Pretax return on assets | 0.1881% | 5,447 |
| Return on Equity (ROE) | 2.3216% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.3216% | 4,213 |
| Net charge-offs to loans | 0.3531% | 518 |
| Credit loss provision to net charge-offs | 113.3333% | 1,456 |
| Earnings coverage of net charge-offs (x) | 1.8848% | 2,666 |
| Efficiency ratio | 91.0658% | 502 |
| Assets per employee ($millions) | 2.7452% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,428 |
| Loan loss allowance to noncurrent loans | 166.7783% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 2,055 |
| Noncurrent loans to loans | 0.9481% | 2,145 |
| Net loans and leases to total assets | 70.5478% | 2,286 |
| Net loans and leases to deposits | 82.7562% | 2,424 |
| Net loans and leases to core deposits | 85.0309% | 2,813 |
| Total domestic deposits to total assets | 85.2477% | 2,984 |
| Equity capital to assets | 8.1373% | 5,455 |
| Core capital (leverage) ratio | 8.3036% | 5,379 |
| Tier 1 risk-based capital ratio | 10.3773% | 5,598 |
| Total risk-based capital ratio | 11.6298% | 5,517 |
| Memoranda: | ||
| Average total assets | $263,648,000 | 2,435 |
| Average earning assets | $238,987,500 | 2,475 |
| Average equity | $21,364,500 | 3,049 |
| Average total loans | $186,897,500 | 2,300 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 1,740 |
| Cost of funding earning assets | 0.3543% | 3,467 |
| Net interest margin | 4.0784% | 1,430 |
| Noninterest income to average assets | 2.0641% | 332 |
| Noninterest expense to average assets | 5.2774% | 230 |
| Loan and lease loss provision to assets | 0.2729% | 737 |
| Net operating income to assets | 0.2049% | 5,408 |
| Return on assets (ROA) | 0.2334% | 5,418 |
| Pretax return on assets | 0.2334% | 5,453 |
| Return on Equity (ROE) | 2.8320% | 5,203 |
| Retained earnings to average equity (ytd only) | 2.8320% | 3,882 |
| Net charge-offs to loans | 0.1992% | 1,391 |
| Credit loss provision to net charge-offs | 189.6739% | 1,490 |
| Earnings coverage of net charge-offs (x) | 3.3207% | 3,684 |
| Efficiency ratio | 91.6978% | 475 |
| Assets per employee ($millions) | 2.6914% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,361 |
| Loan loss allowance to noncurrent loans | 132.7216% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 1,763 |
| Noncurrent loans to loans | 1.2083% | 1,706 |
| Net loans and leases to total assets | 68.9733% | 2,623 |
| Net loans and leases to deposits | 76.5359% | 3,258 |
| Net loans and leases to core deposits | 79.5545% | 3,435 |
| Total domestic deposits to total assets | 90.1189% | 591 |
| Equity capital to assets | 8.0695% | 5,529 |
| Core capital (leverage) ratio | 8.2503% | 5,475 |
| Tier 1 risk-based capital ratio | 10.6734% | 5,500 |
| Total risk-based capital ratio | 11.9262% | 5,413 |
| Memoranda: | ||
| Average total assets | $255,748,600 | 2,463 |
| Average earning assets | $231,462,000 | 2,506 |
| Average equity | $21,080,800 | 3,060 |
| Average total loans | $184,752,400 | 2,265 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 1,666 |
| Cost of funding earning assets | 0.3529% | 3,506 |
| Net interest margin | 4.1069% | 1,369 |
| Noninterest income to average assets | 2.0897% | 332 |
| Noninterest expense to average assets | 5.2581% | 227 |
| Loan and lease loss provision to assets | 0.2170% | 959 |
| Net operating income to assets | 0.3258% | 5,224 |
| Return on assets (ROA) | 0.3641% | 5,215 |
| Pretax return on assets | 0.3641% | 5,361 |
| Return on Equity (ROE) | 4.3936% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.3936% | 3,210 |
| Net charge-offs to loans | 0.0065% | 3,684 |
| Credit loss provision to net charge-offs | 4,588.8889% | 117 |
| Earnings coverage of net charge-offs (x) | 114.7750% | 591 |
| Efficiency ratio | 90.6431% | 533 |
| Assets per employee ($millions) | 2.5159% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 1,588 |
| Loan loss allowance to noncurrent loans | 68.6935% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.2811% | 633 |
| Noncurrent loans to loans | 2.2719% | 814 |
| Net loans and leases to total assets | 74.6965% | 1,756 |
| Net loans and leases to deposits | 83.1356% | 2,586 |
| Net loans and leases to core deposits | 86.4926% | 2,907 |
| Total domestic deposits to total assets | 89.8490% | 535 |
| Equity capital to assets | 8.4286% | 5,567 |
| Core capital (leverage) ratio | 8.3902% | 5,434 |
| Tier 1 risk-based capital ratio | 10.3409% | 5,683 |
| Total risk-based capital ratio | 11.5935% | 5,607 |
| Memoranda: | ||
| Average total assets | $253,746,500 | 2,486 |
| Average earning assets | $229,299,000 | 2,527 |
| Average equity | $21,030,000 | 3,090 |
| Average total loans | $184,718,750 | 2,267 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 1,650 |
| Cost of funding earning assets | 0.3465% | 3,608 |
| Net interest margin | 4.1097% | 1,342 |
| Noninterest income to average assets | 2.0199% | 331 |
| Noninterest expense to average assets | 5.3223% | 231 |
| Loan and lease loss provision to assets | 0.2081% | 1,029 |
| Net operating income to assets | 0.1962% | 5,528 |
| Return on assets (ROA) | 0.1962% | 5,585 |
| Pretax return on assets | 0.1962% | 5,624 |
| Return on Equity (ROE) | 2.3812% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.3812% | 4,363 |
| Net charge-offs to loans | 0.1036% | 1,794 |
| Credit loss provision to net charge-offs | 279.7872% | 1,013 |
| Earnings coverage of net charge-offs (x) | 5.4362% | 2,856 |
| Efficiency ratio | 92.9400% | 452 |
| Assets per employee ($millions) | 2.7615% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,884 |
| Loan loss allowance to noncurrent loans | 59.6215% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.4679% | 567 |
| Noncurrent loans to loans | 2.5057% | 693 |
| Net loans and leases to total assets | 71.9924% | 2,172 |
| Net loans and leases to deposits | 80.2936% | 2,893 |
| Net loans and leases to core deposits | 82.3188% | 3,236 |
| Total domestic deposits to total assets | 89.6615% | 608 |
| Equity capital to assets | 8.2982% | 5,696 |
| Core capital (leverage) ratio | 8.3127% | 5,526 |
| Tier 1 risk-based capital ratio | 10.2714% | 5,772 |
| Total risk-based capital ratio | 11.5228% | 5,690 |
| Memoranda: | ||
| Average total assets | $252,787,000 | 2,510 |
| Average earning assets | $227,995,330 | 2,555 |
| Average equity | $20,830,000 | 3,113 |
| Average total loans | $181,382,000 | 2,300 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 1,607 |
| Cost of funding earning assets | 0.3388% | 3,733 |
| Net interest margin | 4.1275% | 1,271 |
| Noninterest income to average assets | 1.8758% | 373 |
| Noninterest expense to average assets | 5.2956% | 234 |
| Loan and lease loss provision to assets | 0.1994% | 985 |
| Net operating income to assets | 0.0925% | 5,693 |
| Return on assets (ROA) | 0.0925% | 5,735 |
| Pretax return on assets | 0.0925% | 5,741 |
| Return on Equity (ROE) | 1.1268% | 5,674 |
| Retained earnings to average equity (ytd only) | 1.1268% | 4,790 |
| Net charge-offs to loans | 0.0359% | 2,259 |
| Credit loss provision to net charge-offs | 781.2500% | 441 |
| Earnings coverage of net charge-offs (x) | 11.4375% | 1,861 |
| Efficiency ratio | 94.7759% | 424 |
| Assets per employee ($millions) | 2.8104% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,955 |
| Loan loss allowance to noncurrent loans | 54.4444% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.6710% | 529 |
| Noncurrent loans to loans | 2.7662% | 630 |
| Net loans and leases to total assets | 70.9488% | 2,203 |
| Net loans and leases to deposits | 80.3243% | 2,750 |
| Net loans and leases to core deposits | 82.0441% | 3,125 |
| Total domestic deposits to total assets | 88.3279% | 1,449 |
| Equity capital to assets | 8.1863% | 5,750 |
| Core capital (leverage) ratio | 8.2566% | 5,605 |
| Tier 1 risk-based capital ratio | 10.0856% | 5,893 |
| Total risk-based capital ratio | 11.3369% | 5,828 |
| Memoranda: | ||
| Average total assets | $250,772,500 | 2,532 |
| Average earning assets | $225,510,000 | 2,582 |
| Average equity | $20,589,500 | 3,140 |
| Average total loans | $178,227,000 | 2,332 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 2,402 |
| Cost of funding earning assets | 0.3282% | 3,931 |
| Net interest margin | 3.9165% | 1,975 |
| Noninterest income to average assets | 2.0366% | 350 |
| Noninterest expense to average assets | 5.0930% | 262 |
| Loan and lease loss provision to assets | -0.0036% | 5,603 |
| Net operating income to assets | 0.4702% | 4,810 |
| Return on assets (ROA) | 0.4904% | 4,820 |
| Pretax return on assets | 0.4904% | 5,133 |
| Return on Equity (ROE) | 6.0538% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.0538% | 1,766 |
| Net charge-offs to loans | 0.9390% | 220 |
| Credit loss provision to net charge-offs | -0.5777% | 4,911 |
| Earnings coverage of net charge-offs (x) | 0.7394% | 4,188 |
| Efficiency ratio | 91.6084% | 592 |
| Assets per employee ($millions) | 2.6169% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,948 |
| Loan loss allowance to noncurrent loans | 75.7837% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.0562% | 846 |
| Noncurrent loans to loans | 1.9954% | 1,047 |
| Net loans and leases to total assets | 69.0321% | 2,541 |
| Net loans and leases to deposits | 78.3410% | 3,014 |
| Net loans and leases to core deposits | 80.2518% | 3,314 |
| Total domestic deposits to total assets | 88.1175% | 1,569 |
| Equity capital to assets | 8.2350% | 5,744 |
| Core capital (leverage) ratio | 8.3107% | 5,597 |
| Tier 1 risk-based capital ratio | 10.4259% | 5,810 |
| Total risk-based capital ratio | 11.6768% | 5,731 |
| Memoranda: | ||
| Average total assets | $246,926,800 | 2,528 |
| Average earning assets | $222,110,000 | 2,566 |
| Average equity | $20,003,800 | 3,167 |
| Average total loans | $165,912,600 | 2,394 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 2,702 |
| Cost of funding earning assets | 0.3287% | 4,002 |
| Net interest margin | 3.8348% | 2,250 |
| Noninterest income to average assets | 2.0451% | 349 |
| Noninterest expense to average assets | 5.0334% | 277 |
| Loan and lease loss provision to assets | -0.0995% | 5,998 |
| Net operating income to assets | 0.5631% | 4,553 |
| Return on assets (ROA) | 0.5625% | 4,640 |
| Pretax return on assets | 0.5625% | 5,060 |
| Return on Equity (ROE) | 6.9727% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.9727% | 1,700 |
| Net charge-offs to loans | 1.0474% | 178 |
| Credit loss provision to net charge-offs | -14.2968% | 4,868 |
| Earnings coverage of net charge-offs (x) | 0.6659% | 3,922 |
| Efficiency ratio | 91.5675% | 593 |
| Assets per employee ($millions) | 2.8590% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 1,510 |
| Loan loss allowance to noncurrent loans | 45.8221% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 3.1345% | 464 |
| Noncurrent loans to loans | 3.6787% | 401 |
| Net loans and leases to total assets | 63.3103% | 3,407 |
| Net loans and leases to deposits | 69.4671% | 4,045 |
| Net loans and leases to core deposits | 71.3369% | 4,246 |
| Total domestic deposits to total assets | 91.1371% | 217 |
| Equity capital to assets | 8.1534% | 5,895 |
| Core capital (leverage) ratio | 8.0919% | 5,847 |
| Tier 1 risk-based capital ratio | 10.8751% | 5,723 |
| Total risk-based capital ratio | 12.1277% | 5,639 |
| Memoranda: | ||
| Average total assets | $246,506,250 | 2,555 |
| Average earning assets | $221,890,500 | 2,592 |
| Average equity | $19,886,500 | 3,213 |
| Average total loans | $163,827,000 | 2,436 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 2,618 |
| Cost of funding earning assets | 0.3350% | 3,983 |
| Net interest margin | 3.8446% | 2,156 |
| Noninterest income to average assets | 2.0515% | 356 |
| Noninterest expense to average assets | 5.1725% | 259 |
| Loan and lease loss provision to assets | -0.1912% | 6,176 |
| Net operating income to assets | 0.5302% | 4,649 |
| Return on assets (ROA) | 0.5294% | 4,758 |
| Pretax return on assets | 0.5294% | 5,151 |
| Return on Equity (ROE) | 6.5921% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.5921% | 1,903 |
| Net charge-offs to loans | 0.9086% | 225 |
| Credit loss provision to net charge-offs | -31.3253% | 4,766 |
| Earnings coverage of net charge-offs (x) | 0.5556% | 3,642 |
| Efficiency ratio | 93.8482% | 526 |
| Assets per employee ($millions) | 2.9037% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 1,100 |
| Loan loss allowance to noncurrent loans | 46.0274% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 3.7497% | 366 |
| Noncurrent loans to loans | 4.2041% | 340 |
| Net loans and leases to total assets | 66.9248% | 2,798 |
| Net loans and leases to deposits | 73.6011% | 3,539 |
| Net loans and leases to core deposits | 75.5426% | 3,809 |
| Total domestic deposits to total assets | 90.9291% | 317 |
| Equity capital to assets | 8.1772% | 5,894 |
| Core capital (leverage) ratio | 8.0678% | 5,894 |
| Tier 1 risk-based capital ratio | 10.5631% | 5,895 |
| Total risk-based capital ratio | 11.8185% | 5,839 |
| Memoranda: | ||
| Average total assets | $244,794,670 | 2,582 |
| Average earning assets | $220,311,330 | 2,621 |
| Average equity | $19,660,000 | 3,248 |
| Average total loans | $164,432,000 | 2,436 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 2,788 |
| Cost of funding earning assets | 0.3419% | 3,970 |
| Net interest margin | 3.7678% | 2,363 |
| Noninterest income to average assets | 1.8578% | 394 |
| Noninterest expense to average assets | 4.8394% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4159% | 5,015 |
| Return on assets (ROA) | 0.4143% | 5,132 |
| Pretax return on assets | 0.4143% | 5,397 |
| Return on Equity (ROE) | 5.2056% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.2056% | 2,947 |
| Net charge-offs to loans | 0.2888% | 829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.1610% | 2,813 |
| Efficiency ratio | 92.0857% | 710 |
| Assets per employee ($millions) | 3.0603% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4598% | 563 |
| Loan loss allowance to noncurrent loans | 47.4387% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 3.8793% | 394 |
| Noncurrent loans to loans | 5.1853% | 247 |
| Net loans and leases to total assets | 65.3309% | 2,873 |
| Net loans and leases to deposits | 71.6128% | 3,572 |
| Net loans and leases to core deposits | 72.9664% | 3,877 |
| Total domestic deposits to total assets | 91.2280% | 288 |
| Equity capital to assets | 7.9466% | 6,053 |
| Core capital (leverage) ratio | 7.8587% | 6,009 |
| Tier 1 risk-based capital ratio | 10.2968% | 6,079 |
| Total risk-based capital ratio | 11.5470% | 6,029 |
| Memoranda: | ||
| Average total assets | $245,236,500 | 2,595 |
| Average earning assets | $221,134,500 | 2,633 |
| Average equity | $19,517,500 | 3,289 |
| Average total loans | $163,419,000 | 2,452 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 3,048 |
| Cost of funding earning assets | 0.2929% | 4,864 |
| Net interest margin | 3.8767% | 2,333 |
| Noninterest income to average assets | 2.2755% | 271 |
| Noninterest expense to average assets | 5.3520% | 252 |
| Loan and lease loss provision to assets | 0.0398% | 3,779 |
| Net operating income to assets | 0.3399% | 5,403 |
| Return on assets (ROA) | 0.3969% | 5,300 |
| Pretax return on assets | 0.3969% | 5,496 |
| Return on Equity (ROE) | 5.0543% | 4,632 |
| Retained earnings to average equity (ytd only) | 5.0543% | 2,565 |
| Net charge-offs to loans | 0.2147% | 1,951 |
| Credit loss provision to net charge-offs | 28.3582% | 3,863 |
| Earnings coverage of net charge-offs (x) | 2.7045% | 4,084 |
| Efficiency ratio | 93.3748% | 630 |
| Assets per employee ($millions) | 2.9584% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6130% | 478 |
| Loan loss allowance to noncurrent loans | 47.0285% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 4.0648% | 408 |
| Noncurrent loans to loans | 5.5562% | 232 |
| Net loans and leases to total assets | 64.5565% | 3,134 |
| Net loans and leases to deposits | 70.8273% | 3,804 |
| Net loans and leases to core deposits | 71.8420% | 4,138 |
| Total domestic deposits to total assets | 91.1465% | 323 |
| Equity capital to assets | 7.9710% | 6,082 |
| Core capital (leverage) ratio | 7.6640% | 6,144 |
| Tier 1 risk-based capital ratio | 9.8831% | 6,286 |
| Total risk-based capital ratio | 11.1334% | 6,247 |
| Memoranda: | ||
| Average total assets | $238,585,200 | 2,626 |
| Average earning assets | $212,708,200 | 2,682 |
| Average equity | $18,736,600 | 3,320 |
| Average total loans | $156,038,800 | 2,480 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 3,118 |
| Cost of funding earning assets | 0.2979% | 4,906 |
| Net interest margin | 3.8657% | 2,370 |
| Noninterest income to average assets | 2.3346% | 268 |
| Noninterest expense to average assets | 5.4363% | 235 |
| Loan and lease loss provision to assets | 0.0533% | 3,309 |
| Net operating income to assets | 0.2823% | 5,647 |
| Return on assets (ROA) | 0.3586% | 5,479 |
| Pretax return on assets | 0.3586% | 5,660 |
| Return on Equity (ROE) | 4.5839% | 4,916 |
| Retained earnings to average equity (ytd only) | 4.5839% | 3,375 |
| Net charge-offs to loans | 0.2902% | 1,359 |
| Credit loss provision to net charge-offs | 28.1899% | 3,480 |
| Earnings coverage of net charge-offs (x) | 1.7745% | 4,078 |
| Efficiency ratio | 94.1857% | 586 |
| Assets per employee ($millions) | 2.9121% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6688% | 511 |
| Loan loss allowance to noncurrent loans | 35.5661% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 5.3243% | 301 |
| Noncurrent loans to loans | 7.5037% | 145 |
| Net loans and leases to total assets | 64.1467% | 3,156 |
| Net loans and leases to deposits | 70.2491% | 3,893 |
| Net loans and leases to core deposits | 70.9391% | 4,249 |
| Total domestic deposits to total assets | 91.3133% | 276 |
| Equity capital to assets | 7.9342% | 6,164 |
| Core capital (leverage) ratio | 7.5403% | 6,267 |
| Tier 1 risk-based capital ratio | 9.9642% | 6,356 |
| Total risk-based capital ratio | 11.2140% | 6,319 |
| Memoranda: | ||
| Average total assets | $237,583,500 | 2,650 |
| Average earning assets | $211,254,750 | 2,716 |
| Average equity | $18,586,500 | 3,353 |
| Average total loans | $154,845,750 | 2,503 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,626 |
| Cost of funding earning assets | 0.3013% | 4,956 |
| Net interest margin | 3.7264% | 2,853 |
| Noninterest income to average assets | 2.4066% | 254 |
| Noninterest expense to average assets | 5.4136% | 245 |
| Loan and lease loss provision to assets | 0.0801% | 2,694 |
| Net operating income to assets | 0.2184% | 5,783 |
| Return on assets (ROA) | 0.3331% | 5,526 |
| Pretax return on assets | 0.3331% | 5,719 |
| Return on Equity (ROE) | 4.2780% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.2780% | 3,454 |
| Net charge-offs to loans | 0.3143% | 1,283 |
| Credit loss provision to net charge-offs | 39.2562% | 2,939 |
| Earnings coverage of net charge-offs (x) | 1.4628% | 3,795 |
| Efficiency ratio | 94.7741% | 606 |
| Assets per employee ($millions) | 2.7853% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7349% | 506 |
| Loan loss allowance to noncurrent loans | 36.3521% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 5.2467% | 328 |
| Noncurrent loans to loans | 7.5233% | 150 |
| Net loans and leases to total assets | 63.7687% | 3,105 |
| Net loans and leases to deposits | 69.6815% | 3,862 |
| Net loans and leases to core deposits | 70.3772% | 4,228 |
| Total domestic deposits to total assets | 91.5145% | 262 |
| Equity capital to assets | 7.8213% | 6,246 |
| Core capital (leverage) ratio | 7.3709% | 6,350 |
| Tier 1 risk-based capital ratio | 9.8167% | 6,446 |
| Total risk-based capital ratio | 11.0668% | 6,416 |
| Memoranda: | ||
| Average total assets | $237,181,330 | 2,657 |
| Average earning assets | $210,392,000 | 2,736 |
| Average equity | $18,466,670 | 3,370 |
| Average total loans | $154,002,330 | 2,517 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 3,287 |
| Cost of funding earning assets | 0.3056% | 5,006 |
| Net interest margin | 3.7938% | 2,497 |
| Noninterest income to average assets | 2.2390% | 277 |
| Noninterest expense to average assets | 5.2542% | 275 |
| Loan and lease loss provision to assets | 0.0932% | 2,363 |
| Net operating income to assets | 0.2373% | 5,697 |
| Return on assets (ROA) | 0.2254% | 5,781 |
| Pretax return on assets | 0.2254% | 5,879 |
| Return on Equity (ROE) | 2.9020% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.9020% | 4,359 |
| Net charge-offs to loans | 0.3437% | 1,040 |
| Credit loss provision to net charge-offs | 41.9847% | 2,283 |
| Earnings coverage of net charge-offs (x) | 1.4885% | 3,085 |
| Efficiency ratio | 94.0819% | 747 |
| Assets per employee ($millions) | 2.9598% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7816% | 557 |
| Loan loss allowance to noncurrent loans | 47.6222% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 5.6241% | 329 |
| Noncurrent loans to loans | 5.8410% | 320 |
| Net loans and leases to total assets | 64.4434% | 2,820 |
| Net loans and leases to deposits | 70.8236% | 3,496 |
| Net loans and leases to core deposits | 71.4574% | 3,926 |
| Total domestic deposits to total assets | 90.9914% | 570 |
| Equity capital to assets | 7.7779% | 6,191 |
| Core capital (leverage) ratio | 7.1852% | 6,429 |
| Tier 1 risk-based capital ratio | 9.3234% | 6,576 |
| Total risk-based capital ratio | 10.5735% | 6,562 |
| Memoranda: | ||
| Average total assets | $236,002,500 | 2,679 |
| Average earning assets | $208,128,000 | 2,767 |
| Average equity | $18,332,500 | 3,377 |
| Average total loans | $152,480,500 | 2,549 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 4,050 |
| Cost of funding earning assets | 0.3482% | 5,156 |
| Net interest margin | 3.6637% | 3,206 |
| Noninterest income to average assets | 2.5711% | 267 |
| Noninterest expense to average assets | 4.9662% | 359 |
| Loan and lease loss provision to assets | 0.6641% | 355 |
| Net operating income to assets | 0.1926% | 5,841 |
| Return on assets (ROA) | 0.2344% | 5,801 |
| Pretax return on assets | 0.2470% | 5,852 |
| Return on Equity (ROE) | 3.0398% | 5,489 |
| Retained earnings to average equity (ytd only) | 3.0398% | 4,066 |
| Net charge-offs to loans | 1.7970% | 226 |
| Credit loss provision to net charge-offs | 57.3411% | 3,644 |
| Earnings coverage of net charge-offs (x) | 0.7487% | 4,841 |
| Efficiency ratio | 85.1342% | 1,504 |
| Assets per employee ($millions) | 2.7673% | 6,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0013% | 468 |
| Loan loss allowance to noncurrent loans | 58.1490% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 4.9885% | 471 |
| Noncurrent loans to loans | 5.1614% | 473 |
| Net loans and leases to total assets | 61.0325% | 3,532 |
| Net loans and leases to deposits | 66.7646% | 4,210 |
| Net loans and leases to core deposits | 67.4570% | 4,568 |
| Total domestic deposits to total assets | 91.4144% | 432 |
| Equity capital to assets | 7.7579% | 6,153 |
| Core capital (leverage) ratio | 7.0684% | 6,512 |
| Tier 1 risk-based capital ratio | 9.7600% | 6,564 |
| Total risk-based capital ratio | 11.0101% | 6,535 |
| Memoranda: | ||
| Average total assets | $236,397,400 | 2,652 |
| Average earning assets | $210,497,400 | 2,715 |
| Average equity | $18,225,000 | 3,384 |
| Average total loans | $152,366,200 | 2,529 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 4,355 |
| Cost of funding earning assets | 0.3535% | 5,262 |
| Net interest margin | 3.5843% | 3,517 |
| Noninterest income to average assets | 2.6323% | 274 |
| Noninterest expense to average assets | 4.9571% | 346 |
| Loan and lease loss provision to assets | 0.6771% | 323 |
| Net operating income to assets | 0.1838% | 5,952 |
| Return on assets (ROA) | 0.2383% | 5,901 |
| Pretax return on assets | 0.2552% | 5,964 |
| Return on Equity (ROE) | 3.0956% | 5,570 |
| Retained earnings to average equity (ytd only) | 3.0956% | 4,465 |
| Net charge-offs to loans | 1.5830% | 273 |
| Credit loss provision to net charge-offs | 65.9715% | 3,159 |
| Earnings coverage of net charge-offs (x) | 0.8513% | 4,570 |
| Efficiency ratio | 85.0159% | 1,472 |
| Assets per employee ($millions) | 3.2272% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3463% | 392 |
| Loan loss allowance to noncurrent loans | 40.9386% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 5.5707% | 464 |
| Noncurrent loans to loans | 8.1738% | 211 |
| Net loans and leases to total assets | 61.1794% | 3,495 |
| Net loans and leases to deposits | 67.2659% | 4,144 |
| Net loans and leases to core deposits | 67.9640% | 4,527 |
| Total domestic deposits to total assets | 90.9516% | 555 |
| Equity capital to assets | 7.7185% | 6,300 |
| Core capital (leverage) ratio | 7.0379% | 6,578 |
| Tier 1 risk-based capital ratio | 9.8911% | 6,620 |
| Total risk-based capital ratio | 11.1558% | 6,585 |
| Memoranda: | ||
| Average total assets | $236,692,000 | 2,667 |
| Average earning assets | $211,211,250 | 2,721 |
| Average equity | $18,219,250 | 3,417 |
| Average total loans | $153,457,250 | 2,524 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 4,575 |
| Cost of funding earning assets | 0.3619% | 5,303 |
| Net interest margin | 3.5121% | 3,732 |
| Noninterest income to average assets | 2.8356% | 273 |
| Noninterest expense to average assets | 5.0409% | 342 |
| Loan and lease loss provision to assets | 0.7399% | 296 |
| Net operating income to assets | 0.1907% | 5,930 |
| Return on assets (ROA) | 0.2784% | 5,808 |
| Pretax return on assets | 0.2784% | 5,929 |
| Return on Equity (ROE) | 3.6202% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.6202% | 4,012 |
| Net charge-offs to loans | 2.1536% | 195 |
| Credit loss provision to net charge-offs | 52.5779% | 3,167 |
| Earnings coverage of net charge-offs (x) | 0.6613% | 4,302 |
| Efficiency ratio | 84.4165% | 1,589 |
| Assets per employee ($millions) | 2.7092% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0521% | 554 |
| Loan loss allowance to noncurrent loans | 29.9391% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 7.0145% | 340 |
| Noncurrent loans to loans | 10.1943% | 150 |
| Net loans and leases to total assets | 65.6994% | 2,640 |
| Net loans and leases to deposits | 72.3527% | 3,407 |
| Net loans and leases to core deposits | 73.0220% | 3,923 |
| Total domestic deposits to total assets | 90.8043% | 623 |
| Equity capital to assets | 7.8076% | 6,313 |
| Core capital (leverage) ratio | 6.9903% | 6,616 |
| Tier 1 risk-based capital ratio | 9.7102% | 6,693 |
| Total risk-based capital ratio | 10.9605% | 6,674 |
| Memoranda: | ||
| Average total assets | $237,059,670 | 2,674 |
| Average earning assets | $211,667,670 | 2,724 |
| Average equity | $18,231,000 | 3,442 |
| Average total loans | $154,902,330 | 2,506 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,990 |
| Cost of funding earning assets | 0.3696% | 5,374 |
| Net interest margin | 3.6627% | 3,018 |
| Noninterest income to average assets | 2.5680% | 307 |
| Noninterest expense to average assets | 5.0173% | 367 |
| Loan and lease loss provision to assets | 0.7562% | 293 |
| Net operating income to assets | 0.0602% | 6,226 |
| Return on assets (ROA) | 0.2342% | 5,903 |
| Pretax return on assets | 0.2342% | 6,008 |
| Return on Equity (ROE) | 3.0683% | 5,563 |
| Retained earnings to average equity (ytd only) | 3.0683% | 4,440 |
| Net charge-offs to loans | 0.1043% | 2,827 |
| Credit loss provision to net charge-offs | 1,130.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 1,617 |
| Efficiency ratio | 86.0052% | 1,516 |
| Assets per employee ($millions) | 2.6775% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9957% | 290 |
| Loan loss allowance to noncurrent loans | 40.4623% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 7.2807% | 378 |
| Noncurrent loans to loans | 9.8751% | 216 |
| Net loans and leases to total assets | 60.7180% | 3,306 |
| Net loans and leases to deposits | 66.7936% | 3,936 |
| Net loans and leases to core deposits | 67.3950% | 4,364 |
| Total domestic deposits to total assets | 90.9039% | 565 |
| Equity capital to assets | 7.6731% | 6,535 |
| Core capital (leverage) ratio | 6.9415% | 6,658 |
| Tier 1 risk-based capital ratio | 10.1135% | 6,671 |
| Total risk-based capital ratio | 11.3635% | 6,660 |
| Memoranda: | ||
| Average total assets | $239,094,500 | 2,681 |
| Average earning assets | $213,176,000 | 2,730 |
| Average equity | $18,251,000 | 3,489 |
| Average total loans | $153,407,500 | 2,531 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 5,122 |
| Cost of funding earning assets | 0.4092% | 5,854 |
| Net interest margin | 3.6461% | 3,896 |
| Noninterest income to average assets | 2.2848% | 356 |
| Noninterest expense to average assets | 5.5453% | 270 |
| Loan and lease loss provision to assets | 0.5209% | 1,122 |
| Net operating income to assets | -0.5268% | 6,586 |
| Return on assets (ROA) | -0.1695% | 6,426 |
| Pretax return on assets | -0.1695% | 6,404 |
| Return on Equity (ROE) | -2.2957% | 6,469 |
| Retained earnings to average equity (ytd only) | -2.2957% | 6,201 |
| Net charge-offs to loans | 2.5976% | 232 |
| Credit loss provision to net charge-offs | 32.0341% | 5,088 |
| Earnings coverage of net charge-offs (x) | -0.0037% | 5,486 |
| Efficiency ratio | 100.1073% | 559 |
| Assets per employee ($millions) | 2.7894% | 6,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5938% | 395 |
| Loan loss allowance to noncurrent loans | 42.9392% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 6.6247% | 493 |
| Noncurrent loans to loans | 8.3695% | 336 |
| Net loans and leases to total assets | 62.7340% | 3,111 |
| Net loans and leases to deposits | 69.1946% | 3,810 |
| Net loans and leases to core deposits | 69.8417% | 4,336 |
| Total domestic deposits to total assets | 90.6632% | 629 |
| Equity capital to assets | 7.5939% | 6,597 |
| Core capital (leverage) ratio | 6.7726% | 6,748 |
| Tier 1 risk-based capital ratio | 9.7264% | 6,763 |
| Total risk-based capital ratio | 11.0017% | 6,734 |
| Memoranda: | ||
| Average total assets | $252,449,600 | 2,508 |
| Average earning assets | $225,339,600 | 2,567 |
| Average equity | $18,643,200 | 3,381 |
| Average total loans | $158,031,000 | 2,457 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 5,297 |
| Cost of funding earning assets | 0.4136% | 6,037 |
| Net interest margin | 3.6537% | 3,995 |
| Noninterest income to average assets | 2.1258% | 391 |
| Noninterest expense to average assets | 5.3710% | 293 |
| Loan and lease loss provision to assets | 0.4930% | 1,249 |
| Net operating income to assets | -0.4752% | 6,687 |
| Return on assets (ROA) | -0.0574% | 6,467 |
| Pretax return on assets | -0.0574% | 6,449 |
| Return on Equity (ROE) | -0.7822% | 6,485 |
| Retained earnings to average equity (ytd only) | -0.7822% | 6,239 |
| Net charge-offs to loans | 1.0623% | 989 |
| Credit loss provision to net charge-offs | 74.8219% | 3,777 |
| Earnings coverage of net charge-offs (x) | 0.0269% | 5,318 |
| Efficiency ratio | 99.6709% | 549 |
| Assets per employee ($millions) | 2.8078% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1733% | 128 |
| Loan loss allowance to noncurrent loans | 50.5536% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 7.5532% | 437 |
| Noncurrent loans to loans | 10.2333% | 238 |
| Net loans and leases to total assets | 60.6369% | 3,648 |
| Net loans and leases to deposits | 66.7840% | 4,366 |
| Net loans and leases to core deposits | 67.3945% | 4,791 |
| Total domestic deposits to total assets | 90.7955% | 478 |
| Equity capital to assets | 7.6371% | 6,734 |
| Core capital (leverage) ratio | 6.8732% | 6,823 |
| Tier 1 risk-based capital ratio | 10.0981% | 6,775 |
| Total risk-based capital ratio | 11.3478% | 6,752 |
| Memoranda: | ||
| Average total assets | $255,589,750 | 2,499 |
| Average earning assets | $228,254,500 | 2,545 |
| Average equity | $18,749,750 | 3,397 |
| Average total loans | $158,513,250 | 2,468 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 5,362 |
| Cost of funding earning assets | 0.4211% | 6,158 |
| Net interest margin | 3.6673% | 3,967 |
| Noninterest income to average assets | 2.0728% | 381 |
| Noninterest expense to average assets | 5.3455% | 302 |
| Loan and lease loss provision to assets | 0.5359% | 1,158 |
| Net operating income to assets | -0.5313% | 6,750 |
| Return on assets (ROA) | -0.1411% | 6,569 |
| Pretax return on assets | -0.1411% | 6,547 |
| Return on Equity (ROE) | -1.9488% | 6,618 |
| Retained earnings to average equity (ytd only) | -1.9488% | 6,353 |
| Net charge-offs to loans | 1.4176% | 717 |
| Credit loss provision to net charge-offs | 61.5589% | 3,755 |
| Earnings coverage of net charge-offs (x) | 0.0053% | 5,076 |
| Efficiency ratio | 99.9135% | 565 |
| Assets per employee ($millions) | 2.9797% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1436% | 144 |
| Loan loss allowance to noncurrent loans | 47.8867% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 7.9108% | 438 |
| Noncurrent loans to loans | 10.7412% | 228 |
| Net loans and leases to total assets | 58.6867% | 4,044 |
| Net loans and leases to deposits | 64.4463% | 4,701 |
| Net loans and leases to core deposits | 64.9209% | 5,114 |
| Total domestic deposits to total assets | 91.0628% | 425 |
| Equity capital to assets | 7.4757% | 6,801 |
| Core capital (leverage) ratio | 6.5043% | 6,928 |
| Tier 1 risk-based capital ratio | 10.1924% | 6,775 |
| Total risk-based capital ratio | 11.4416% | 6,758 |
| Memoranda: | ||
| Average total assets | $259,359,000 | 2,470 |
| Average earning assets | $231,777,000 | 2,505 |
| Average equity | $18,781,000 | 3,385 |
| Average total loans | $159,282,330 | 2,473 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 5,850 |
| Cost of funding earning assets | 0.4372% | 6,221 |
| Net interest margin | 3.5349% | 4,545 |
| Noninterest income to average assets | 1.9766% | 421 |
| Noninterest expense to average assets | 5.1339% | 338 |
| Loan and lease loss provision to assets | 0.8079% | 604 |
| Net operating income to assets | -0.8034% | 6,952 |
| Return on assets (ROA) | -0.8034% | 6,970 |
| Pretax return on assets | -0.8034% | 6,932 |
| Return on Equity (ROE) | -11.2670% | 7,012 |
| Retained earnings to average equity (ytd only) | -11.2670% | 6,873 |
| Net charge-offs to loans | 2.1722% | 412 |
| Credit loss provision to net charge-offs | 60.7754% | 3,098 |
| Earnings coverage of net charge-offs (x) | 0.0034% | 4,368 |
| Efficiency ratio | 99.9115% | 555 |
| Assets per employee ($millions) | 2.9093% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1149% | 160 |
| Loan loss allowance to noncurrent loans | 50.3689% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 7.4088% | 551 |
| Noncurrent loans to loans | 10.1549% | 295 |
| Net loans and leases to total assets | 57.0677% | 4,211 |
| Net loans and leases to deposits | 62.5180% | 4,842 |
| Net loans and leases to core deposits | 62.9556% | 5,225 |
| Total domestic deposits to total assets | 91.2820% | 443 |
| Equity capital to assets | 7.0731% | 6,916 |
| Core capital (leverage) ratio | 6.2378% | 7,008 |
| Tier 1 risk-based capital ratio | 9.7436% | 6,928 |
| Total risk-based capital ratio | 10.9934% | 6,925 |
| Memoranda: | ||
| Average total assets | $263,892,500 | 2,439 |
| Average earning assets | $236,044,000 | 2,482 |
| Average equity | $18,816,000 | 3,377 |
| Average total loans | $161,497,000 | 2,461 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 5,207 |
| Cost of funding earning assets | 0.5919% | 6,124 |
| Net interest margin | 3.8717% | 3,464 |
| Noninterest income to average assets | 1.6373% | 514 |
| Noninterest expense to average assets | 5.2567% | 310 |
| Loan and lease loss provision to assets | 2.0710% | 270 |
| Net operating income to assets | -2.7841% | 7,154 |
| Return on assets (ROA) | -2.6145% | 7,136 |
| Pretax return on assets | -2.0844% | 7,046 |
| Return on Equity (ROE) | -33.0649% | 7,113 |
| Retained earnings to average equity (ytd only) | -33.0649% | 7,107 |
| Net charge-offs to loans | 2.4153% | 491 |
| Credit loss provision to net charge-offs | 132.2184% | 2,303 |
| Earnings coverage of net charge-offs (x) | -0.1168% | 5,903 |
| Efficiency ratio | 103.6070% | 580 |
| Assets per employee ($millions) | 2.7137% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0745% | 171 |
| Loan loss allowance to noncurrent loans | 49.8132% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 7.3819% | 602 |
| Noncurrent loans to loans | 10.1871% | 304 |
| Net loans and leases to total assets | 59.0776% | 4,183 |
| Net loans and leases to deposits | 64.8584% | 4,895 |
| Net loans and leases to core deposits | 65.5980% | 5,305 |
| Total domestic deposits to total assets | 91.0869% | 475 |
| Equity capital to assets | 7.1864% | 6,910 |
| Core capital (leverage) ratio | 6.3801% | 7,004 |
| Tier 1 risk-based capital ratio | 9.6430% | 6,927 |
| Total risk-based capital ratio | 10.8932% | 6,926 |
| Memoranda: | ||
| Average total assets | $274,848,800 | 2,306 |
| Average earning assets | $243,948,600 | 2,358 |
| Average equity | $21,733,000 | 2,921 |
| Average total loans | $178,240,800 | 2,276 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 5,258 |
| Cost of funding earning assets | 0.6239% | 6,161 |
| Net interest margin | 3.8742% | 3,501 |
| Noninterest income to average assets | 1.5654% | 539 |
| Noninterest expense to average assets | 5.1908% | 315 |
| Loan and lease loss provision to assets | 2.4219% | 188 |
| Net operating income to assets | -3.3179% | 7,297 |
| Return on assets (ROA) | -3.1149% | 7,286 |
| Pretax return on assets | -2.4137% | 7,189 |
| Return on Equity (ROE) | -38.5490% | 7,247 |
| Retained earnings to average equity (ytd only) | -38.5490% | 7,241 |
| Net charge-offs to loans | 2.2738% | 528 |
| Credit loss provision to net charge-offs | 162.6697% | 1,884 |
| Earnings coverage of net charge-offs (x) | -0.1309% | 5,681 |
| Efficiency ratio | 103.9010% | 555 |
| Assets per employee ($millions) | 2.7461% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0516% | 175 |
| Loan loss allowance to noncurrent loans | 55.6723% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 7.2374% | 668 |
| Noncurrent loans to loans | 9.0738% | 423 |
| Net loans and leases to total assets | 62.5158% | 3,606 |
| Net loans and leases to deposits | 68.7834% | 4,476 |
| Net loans and leases to core deposits | 69.4830% | 5,011 |
| Total domestic deposits to total assets | 90.8879% | 473 |
| Equity capital to assets | 7.3649% | 6,962 |
| Core capital (leverage) ratio | 6.6119% | 7,051 |
| Tier 1 risk-based capital ratio | 9.4435% | 7,060 |
| Total risk-based capital ratio | 10.4434% | 7,090 |
| Memoranda: | ||
| Average total assets | $277,074,250 | 2,303 |
| Average earning assets | $245,341,250 | 2,350 |
| Average equity | $22,388,250 | 2,846 |
| Average total loans | $181,422,500 | 2,251 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 5,605 |
| Cost of funding earning assets | 0.6591% | 6,174 |
| Net interest margin | 3.7659% | 3,957 |
| Noninterest income to average assets | 1.4128% | 639 |
| Noninterest expense to average assets | 5.0506% | 357 |
| Loan and lease loss provision to assets | 2.4460% | 214 |
| Net operating income to assets | -4.2148% | 7,403 |
| Return on assets (ROA) | -3.9953% | 7,394 |
| Pretax return on assets | -2.5389% | 7,252 |
| Return on Equity (ROE) | -48.0805% | 7,341 |
| Retained earnings to average equity (ytd only) | -48.0805% | 7,338 |
| Net charge-offs to loans | 2.6560% | 419 |
| Credit loss provision to net charge-offs | 140.8979% | 2,163 |
| Earnings coverage of net charge-offs (x) | -0.1800% | 5,393 |
| Efficiency ratio | 106.5942% | 545 |
| Assets per employee ($millions) | 2.6793% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5021% | 272 |
| Loan loss allowance to noncurrent loans | 39.6759% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 9.8283% | 407 |
| Noncurrent loans to loans | 11.3472% | 295 |
| Net loans and leases to total assets | 62.7484% | 3,726 |
| Net loans and leases to deposits | 69.2017% | 4,539 |
| Net loans and leases to core deposits | 69.9760% | 5,078 |
| Total domestic deposits to total assets | 90.6746% | 647 |
| Equity capital to assets | 7.5213% | 6,937 |
| Core capital (leverage) ratio | 7.0560% | 6,973 |
| Tier 1 risk-based capital ratio | 10.0754% | 6,953 |
| Total risk-based capital ratio | 11.3251% | 6,942 |
| Memoranda: | ||
| Average total assets | $279,727,000 | 2,296 |
| Average earning assets | $247,003,000 | 2,356 |
| Average equity | $23,244,330 | 2,737 |
| Average total loans | $182,833,000 | 2,252 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 5,480 |
| Cost of funding earning assets | 0.6894% | 6,197 |
| Net interest margin | 3.7719% | 3,752 |
| Noninterest income to average assets | 1.3254% | 732 |
| Noninterest expense to average assets | 4.6404% | 513 |
| Loan and lease loss provision to assets | 2.4496% | 206 |
| Net operating income to assets | -2.0736% | 7,293 |
| Return on assets (ROA) | -1.9839% | 7,276 |
| Pretax return on assets | -2.3258% | 7,301 |
| Return on Equity (ROE) | -22.8433% | 7,253 |
| Retained earnings to average equity (ytd only) | -22.8433% | 7,205 |
| Net charge-offs to loans | -0.0022% | 6,179 |
| Credit loss provision to net charge-offs | -174,100.0000% | 6,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6074% | 762 |
| Assets per employee ($millions) | 2.9318% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8855% | 216 |
| Loan loss allowance to noncurrent loans | 41.8431% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 8.7314% | 513 |
| Noncurrent loans to loans | 11.6757% | 294 |
| Net loans and leases to total assets | 60.5532% | 4,160 |
| Net loans and leases to deposits | 67.3620% | 4,773 |
| Net loans and leases to core deposits | 68.0897% | 5,277 |
| Total domestic deposits to total assets | 89.8922% | 1,215 |
| Equity capital to assets | 8.5232% | 5,874 |
| Core capital (leverage) ratio | 7.7923% | 6,470 |
| Tier 1 risk-based capital ratio | 11.1855% | 6,366 |
| Total risk-based capital ratio | 12.4351% | 6,336 |
| Memoranda: | ||
| Average total assets | $284,287,500 | 2,272 |
| Average earning assets | $251,223,500 | 2,335 |
| Average equity | $24,690,000 | 2,577 |
| Average total loans | $185,346,500 | 2,247 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 4,111 |
| Cost of funding earning assets | 0.9437% | 5,961 |
| Net interest margin | 4.1532% | 2,355 |
| Noninterest income to average assets | 1.6659% | 528 |
| Noninterest expense to average assets | 4.9540% | 428 |
| Loan and lease loss provision to assets | 1.8270% | 756 |
| Net operating income to assets | -0.9468% | 6,648 |
| Return on assets (ROA) | -0.8316% | 6,621 |
| Pretax return on assets | -1.2811% | 6,771 |
| Return on Equity (ROE) | -9.2068% | 6,691 |
| Retained earnings to average equity (ytd only) | -9.2068% | 6,613 |
| Net charge-offs to loans | 2.2734% | 850 |
| Credit loss provision to net charge-offs | 114.2488% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.2305% | 5,878 |
| Efficiency ratio | 93.0742% | 1,117 |
| Assets per employee ($millions) | 2.7876% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6614% | 521 |
| Loan loss allowance to noncurrent loans | 35.9885% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 7.9510% | 624 |
| Noncurrent loans to loans | 10.1739% | 411 |
| Net loans and leases to total assets | 64.2578% | 3,822 |
| Net loans and leases to deposits | 72.2877% | 4,467 |
| Net loans and leases to core deposits | 73.3036% | 5,064 |
| Total domestic deposits to total assets | 88.8918% | 1,722 |
| Equity capital to assets | 8.8433% | 5,369 |
| Core capital (leverage) ratio | 8.1555% | 5,904 |
| Tier 1 risk-based capital ratio | 11.3813% | 6,013 |
| Total risk-based capital ratio | 12.6569% | 5,982 |
| Memoranda: | ||
| Average total assets | $290,532,800 | 2,208 |
| Average earning assets | $255,801,200 | 2,291 |
| Average equity | $26,241,400 | 2,432 |
| Average total loans | $204,362,600 | 2,118 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2354% | 3,658 |
| Cost of funding earning assets | 0.9757% | 6,055 |
| Net interest margin | 4.2597% | 1,997 |
| Noninterest income to average assets | 1.7392% | 474 |
| Noninterest expense to average assets | 4.9953% | 383 |
| Loan and lease loss provision to assets | 1.6253% | 794 |
| Net operating income to assets | -0.7820% | 6,785 |
| Return on assets (ROA) | -0.6832% | 6,769 |
| Pretax return on assets | -0.9948% | 6,861 |
| Return on Equity (ROE) | -7.5248% | 6,811 |
| Retained earnings to average equity (ytd only) | -7.5248% | 6,741 |
| Net charge-offs to loans | 2.1010% | 881 |
| Credit loss provision to net charge-offs | 108.5906% | 3,922 |
| Earnings coverage of net charge-offs (x) | 0.3256% | 5,703 |
| Efficiency ratio | 91.1117% | 1,203 |
| Assets per employee ($millions) | 2.7761% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4524% | 557 |
| Loan loss allowance to noncurrent loans | 38.3140% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 8.3817% | 581 |
| Noncurrent loans to loans | 9.0107% | 536 |
| Net loans and leases to total assets | 64.2300% | 4,076 |
| Net loans and leases to deposits | 72.5961% | 4,753 |
| Net loans and leases to core deposits | 73.8376% | 5,311 |
| Total domestic deposits to total assets | 88.4758% | 1,682 |
| Equity capital to assets | 9.1991% | 5,310 |
| Core capital (leverage) ratio | 8.4844% | 5,544 |
| Tier 1 risk-based capital ratio | 11.6000% | 5,830 |
| Total risk-based capital ratio | 12.8369% | 5,836 |
| Memoranda: | ||
| Average total assets | $291,386,000 | 2,234 |
| Average earning assets | $256,069,750 | 2,321 |
| Average equity | $26,454,000 | 2,460 |
| Average total loans | $207,576,000 | 2,121 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4425% | 2,790 |
| Cost of funding earning assets | 1.0205% | 6,050 |
| Net interest margin | 4.4220% | 1,388 |
| Noninterest income to average assets | 1.3357% | 708 |
| Noninterest expense to average assets | 5.1492% | 339 |
| Loan and lease loss provision to assets | 1.4062% | 953 |
| Net operating income to assets | -0.9980% | 6,944 |
| Return on assets (ROA) | -0.8471% | 6,894 |
| Pretax return on assets | -1.1284% | 6,943 |
| Return on Equity (ROE) | -9.3720% | 6,944 |
| Retained earnings to average equity (ytd only) | -9.3720% | 6,886 |
| Net charge-offs to loans | 2.9049% | 561 |
| Credit loss provision to net charge-offs | 66.5049% | 5,065 |
| Earnings coverage of net charge-offs (x) | 0.0362% | 5,677 |
| Efficiency ratio | 98.5335% | 857 |
| Assets per employee ($millions) | 2.7850% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5964% | 1,196 |
| Loan loss allowance to noncurrent loans | 30.4619% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 6.7797% | 797 |
| Noncurrent loans to loans | 8.5236% | 581 |
| Net loans and leases to total assets | 68.8392% | 3,162 |
| Net loans and leases to deposits | 77.8899% | 3,987 |
| Net loans and leases to core deposits | 79.3025% | 4,772 |
| Total domestic deposits to total assets | 88.3802% | 1,790 |
| Equity capital to assets | 9.0777% | 5,328 |
| Core capital (leverage) ratio | 8.7762% | 4,962 |
| Tier 1 risk-based capital ratio | 11.6492% | 5,628 |
| Total risk-based capital ratio | 12.9131% | 5,580 |
| Memoranda: | ||
| Average total assets | $292,276,670 | 2,252 |
| Average earning assets | $257,122,330 | 2,332 |
| Average equity | $26,419,000 | 2,459 |
| Average total loans | $212,744,000 | 2,098 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9548% | 1,065 |
| Cost of funding earning assets | 1.1130% | 5,837 |
| Net interest margin | 4.8418% | 582 |
| Noninterest income to average assets | 1.2902% | 728 |
| Noninterest expense to average assets | 4.7998% | 435 |
| Loan and lease loss provision to assets | 0.9265% | 1,369 |
| Net operating income to assets | -0.2520% | 6,605 |
| Return on assets (ROA) | -0.0777% | 6,487 |
| Pretax return on assets | -0.0300% | 6,392 |
| Return on Equity (ROE) | -0.8610% | 6,508 |
| Retained earnings to average equity (ytd only) | -0.8610% | 6,020 |
| Net charge-offs to loans | -0.0295% | 7,190 |
| Credit loss provision to net charge-offs | -4,250.0000% | 6,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9233% | 1,695 |
| Assets per employee ($millions) | 2.6198% | 7,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3397% | 612 |
| Loan loss allowance to noncurrent loans | 46.5328% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 6.0957% | 971 |
| Noncurrent loans to loans | 7.1770% | 817 |
| Net loans and leases to total assets | 70.1301% | 2,901 |
| Net loans and leases to deposits | 79.4733% | 3,750 |
| Net loans and leases to core deposits | 80.7368% | 4,669 |
| Total domestic deposits to total assets | 88.2436% | 1,927 |
| Equity capital to assets | 9.1082% | 5,122 |
| Core capital (leverage) ratio | 8.7679% | 4,905 |
| Tier 1 risk-based capital ratio | 11.6416% | 5,538 |
| Total risk-based capital ratio | 12.8917% | 5,500 |
| Memoranda: | ||
| Average total assets | $293,593,500 | 2,285 |
| Average earning assets | $256,599,500 | 2,385 |
| Average equity | $26,482,000 | 2,466 |
| Average total loans | $216,764,500 | 2,106 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4384% | 4,500 |
| Cost of funding earning assets | 1.6018% | 5,013 |
| Net interest margin | 3.8366% | 3,546 |
| Noninterest income to average assets | 1.2114% | 1,048 |
| Noninterest expense to average assets | 4.7329% | 638 |
| Loan and lease loss provision to assets | 2.2861% | 895 |
| Net operating income to assets | -1.3009% | 6,762 |
| Return on assets (ROA) | -1.2310% | 6,728 |
| Pretax return on assets | -2.3007% | 7,065 |
| Return on Equity (ROE) | -13.0248% | 6,832 |
| Retained earnings to average equity (ytd only) | -13.1828% | 6,768 |
| Net charge-offs to loans | 1.4655% | 1,714 |
| Credit loss provision to net charge-offs | 208.6008% | 1,845 |
| Earnings coverage of net charge-offs (x) | -0.1130% | 6,344 |
| Efficiency ratio | 102.6860% | 985 |
| Assets per employee ($millions) | 2.5773% | 7,075 |
| Cash dividends to net income (ytd only)* | -1.2133% | 7,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8533% | 877 |
| Loan loss allowance to noncurrent loans | 34.4846% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 7.5646% | 636 |
| Noncurrent loans to loans | 8.2741% | 585 |
| Net loans and leases to total assets | 72.9434% | 2,521 |
| Net loans and leases to deposits | 82.9900% | 3,450 |
| Net loans and leases to core deposits | 94.5670% | 4,614 |
| Total domestic deposits to total assets | 87.8941% | 2,015 |
| Equity capital to assets | 8.9334% | 5,243 |
| Core capital (leverage) ratio | 8.5109% | 5,266 |
| Tier 1 risk-based capital ratio | 10.8136% | 6,101 |
| Total risk-based capital ratio | 12.0647% | 6,070 |
| Memoranda: | ||
| Average total assets | $301,298,200 | 2,209 |
| Average earning assets | $266,824,600 | 2,269 |
| Average equity | $28,476,400 | 2,336 |
| Average total loans | $225,321,400 | 2,058 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 4,392 |
| Cost of funding earning assets | 1.6917% | 4,946 |
| Net interest margin | 3.8138% | 3,598 |
| Noninterest income to average assets | 1.1803% | 1,122 |
| Noninterest expense to average assets | 4.6241% | 648 |
| Loan and lease loss provision to assets | 1.9921% | 911 |
| Net operating income to assets | -1.2052% | 6,958 |
| Return on assets (ROA) | -1.1265% | 6,917 |
| Pretax return on assets | -1.9357% | 7,148 |
| Return on Equity (ROE) | -11.7611% | 7,009 |
| Retained earnings to average equity (ytd only) | -11.9682% | 6,943 |
| Net charge-offs to loans | 0.6908% | 2,625 |
| Credit loss provision to net charge-offs | 385.9949% | 1,047 |
| Earnings coverage of net charge-offs (x) | -0.1290% | 6,219 |
| Efficiency ratio | 101.4602% | 1,003 |
| Assets per employee ($millions) | 2.7137% | 6,820 |
| Cash dividends to net income (ytd only)* | -1.7606% | 7,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7234% | 860 |
| Loan loss allowance to noncurrent loans | 38.9214% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 6.3220% | 816 |
| Noncurrent loans to loans | 6.9973% | 768 |
| Net loans and leases to total assets | 70.5788% | 3,369 |
| Net loans and leases to deposits | 80.9099% | 4,217 |
| Net loans and leases to core deposits | 94.7847% | 4,954 |
| Total domestic deposits to total assets | 87.2313% | 2,061 |
| Equity capital to assets | 9.0104% | 5,464 |
| Core capital (leverage) ratio | 8.7271% | 5,081 |
| Tier 1 risk-based capital ratio | 10.9615% | 5,984 |
| Total risk-based capital ratio | 12.2271% | 5,943 |
| Memoranda: | ||
| Average total assets | $302,524,500 | 2,211 |
| Average earning assets | $267,896,250 | 2,269 |
| Average equity | $28,976,000 | 2,323 |
| Average total loans | $226,014,500 | 2,084 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4933% | 4,672 |
| Cost of funding earning assets | 1.7654% | 4,926 |
| Net interest margin | 3.7279% | 3,846 |
| Noninterest income to average assets | 1.1557% | 1,166 |
| Noninterest expense to average assets | 4.6855% | 652 |
| Loan and lease loss provision to assets | 1.6100% | 1,047 |
| Net operating income to assets | -1.0448% | 7,019 |
| Return on assets (ROA) | -1.0205% | 6,997 |
| Pretax return on assets | -1.7612% | 7,197 |
| Return on Equity (ROE) | -10.4420% | 7,071 |
| Retained earnings to average equity (ytd only) | -10.7487% | 6,954 |
| Net charge-offs to loans | 0.7610% | 2,154 |
| Credit loss provision to net charge-offs | 280.3944% | 1,666 |
| Earnings coverage of net charge-offs (x) | -0.3295% | 5,976 |
| Efficiency ratio | 104.2074% | 1,024 |
| Assets per employee ($millions) | 2.6517% | 6,950 |
| Cash dividends to net income (ytd only)* | -2.9373% | 7,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 1,812 |
| Loan loss allowance to noncurrent loans | 32.1378% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 5.3505% | 951 |
| Noncurrent loans to loans | 5.8937% | 939 |
| Net loans and leases to total assets | 73.3592% | 2,872 |
| Net loans and leases to deposits | 85.4384% | 3,660 |
| Net loans and leases to core deposits | 101.7151% | 4,308 |
| Total domestic deposits to total assets | 85.8621% | 2,854 |
| Equity capital to assets | 9.3033% | 4,860 |
| Core capital (leverage) ratio | 9.1275% | 4,416 |
| Tier 1 risk-based capital ratio | 10.6654% | 6,219 |
| Total risk-based capital ratio | 11.9206% | 6,146 |
| Memoranda: | ||
| Average total assets | $300,244,330 | 2,258 |
| Average earning assets | $269,054,670 | 2,282 |
| Average equity | $29,343,000 | 2,319 |
| Average total loans | $226,533,000 | 2,108 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 5,054 |
| Cost of funding earning assets | 1.7968% | 5,128 |
| Net interest margin | 3.6757% | 3,991 |
| Noninterest income to average assets | 1.0017% | 1,480 |
| Noninterest expense to average assets | 4.3385% | 823 |
| Loan and lease loss provision to assets | 0.9184% | 1,419 |
| Net operating income to assets | -0.6632% | 7,019 |
| Return on assets (ROA) | -0.6096% | 7,017 |
| Pretax return on assets | -0.8688% | 7,075 |
| Return on Equity (ROE) | -6.0879% | 7,071 |
| Retained earnings to average equity (ytd only) | -6.6914% | 6,759 |
| Net charge-offs to loans | 0.1010% | 4,168 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | -0.3509% | 5,204 |
| Efficiency ratio | 100.6229% | 1,104 |
| Assets per employee ($millions) | 2.5750% | 7,139 |
| Cash dividends to net income (ytd only)* | -9.9119% | 8,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 3,020 |
| Loan loss allowance to noncurrent loans | 23.1943% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 5.4444% | 790 |
| Noncurrent loans to loans | 6.4480% | 695 |
| Net loans and leases to total assets | 74.1324% | 2,717 |
| Net loans and leases to deposits | 87.5928% | 3,359 |
| Net loans and leases to core deposits | 105.9134% | 3,932 |
| Total domestic deposits to total assets | 84.6329% | 3,401 |
| Equity capital to assets | 9.8317% | 4,206 |
| Core capital (leverage) ratio | 9.5344% | 3,940 |
| Tier 1 risk-based capital ratio | 11.0719% | 5,832 |
| Total risk-based capital ratio | 12.3165% | 5,749 |
| Memoranda: | ||
| Average total assets | $297,893,500 | 2,282 |
| Average earning assets | $268,250,000 | 2,303 |
| Average equity | $29,829,500 | 2,292 |
| Average total loans | $225,787,000 | 2,135 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1025% | 5,031 |
| Cost of funding earning assets | 2.1165% | 5,978 |
| Net interest margin | 3.9860% | 3,186 |
| Noninterest income to average assets | 1.1625% | 1,146 |
| Noninterest expense to average assets | 4.1748% | 1,174 |
| Loan and lease loss provision to assets | 0.3495% | 3,602 |
| Net operating income to assets | 0.2648% | 5,662 |
| Return on assets (ROA) | 0.2796% | 5,426 |
| Pretax return on assets | 0.3000% | 5,512 |
| Return on Equity (ROE) | 2.7242% | 5,334 |
| Retained earnings to average equity (ytd only) | 0.2967% | 5,063 |
| Net charge-offs to loans | 0.2073% | 4,128 |
| Credit loss provision to net charge-offs | 221.9780% | 2,153 |
| Earnings coverage of net charge-offs (x) | 4.0242% | 4,141 |
| Efficiency ratio | 86.8245% | 1,776 |
| Assets per employee ($millions) | 2.5172% | 7,181 |
| Cash dividends to net income (ytd only)* | 89.1089% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 4,318 |
| Loan loss allowance to noncurrent loans | 18.1794% | 7,309 |
| Noncurrent assets plus other real estate owned to assets | 5.4365% | 603 |
| Noncurrent loans to loans | 6.7622% | 467 |
| Net loans and leases to total assets | 75.4050% | 2,780 |
| Net loans and leases to deposits | 89.9937% | 3,455 |
| Net loans and leases to core deposits | 112.9999% | 3,446 |
| Total domestic deposits to total assets | 83.7892% | 3,436 |
| Equity capital to assets | 10.1994% | 3,808 |
| Core capital (leverage) ratio | 9.9985% | 3,452 |
| Tier 1 risk-based capital ratio | 11.6511% | 5,096 |
| Total risk-based capital ratio | 12.7470% | 5,135 |
| Memoranda: | ||
| Average total assets | $289,021,000 | 2,261 |
| Average earning assets | $264,351,800 | 2,255 |
| Average equity | $29,660,600 | 2,280 |
| Average total loans | $219,535,800 | 2,128 |