Home > Eagle Bank > Performance and Condition Ratios
Eagle Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3243% | 2,463 |
| Cost of funding earning assets | 2.1519% | 1,552 |
| Net interest margin | 3.1723% | 3,065 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 2.6211% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4226% | 3,690 |
| Return on assets (ROA) | 0.4246% | 3,712 |
| Pretax return on assets | 0.5516% | 3,648 |
| Return on Equity (ROE) | 4.2400% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.2396% | 2,791 |
| Net charge-offs to loans | 0.0016% | 2,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 434.5000% | 220 |
| Efficiency ratio | 82.6789% | 791 |
| Assets per employee ($millions) | 8.9636% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 3,646 |
| Loan loss allowance to noncurrent loans | 1,555.3265% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,362 |
| Noncurrent loans to loans | 0.0568% | 3,400 |
| Net loans and leases to total assets | 79.7800% | 619 |
| Net loans and leases to deposits | 92.5524% | 873 |
| Net loans and leases to core deposits | 110.6522% | 832 |
| Total domestic deposits to total assets | 86.2000% | 2,232 |
| Equity capital to assets | 10.0740% | 2,176 |
| Core capital (leverage) ratio | 11.1266% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $633,025,000 | 1,491 |
| Average earning assets | $586,821,500 | 1,488 |
| Average equity | $63,402,500 | 1,484 |
| Average total loans | $509,798,500 | 1,298 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 2,778 |
| Cost of funding earning assets | 2.4347% | 1,277 |
| Net interest margin | 2.7433% | 3,566 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 2.6156% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1566% | 4,028 |
| Return on assets (ROA) | 0.1558% | 4,062 |
| Pretax return on assets | 0.1738% | 4,061 |
| Return on Equity (ROE) | 1.5800% | 4,043 |
| Retained earnings to average equity (ytd only) | 1.5850% | 3,510 |
| Net charge-offs to loans | -0.0053% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 93.6878% | 392 |
| Assets per employee ($millions) | 8.5085% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 3,650 |
| Loan loss allowance to noncurrent loans | 682.9563% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 2,958 |
| Noncurrent loans to loans | 0.1307% | 2,998 |
| Net loans and leases to total assets | 79.8600% | 672 |
| Net loans and leases to deposits | 93.9208% | 868 |
| Net loans and leases to core deposits | 110.6767% | 909 |
| Total domestic deposits to total assets | 85.0300% | 2,529 |
| Equity capital to assets | 9.9569% | 2,159 |
| Core capital (leverage) ratio | 11.1511% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $623,067,400 | 1,487 |
| Average earning assets | $578,053,600 | 1,482 |
| Average equity | $61,263,600 | 1,466 |
| Average total loans | $490,287,800 | 1,317 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 2,827 |
| Cost of funding earning assets | 2.4805% | 1,206 |
| Net interest margin | 2.6357% | 3,711 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 2.5285% | 2,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.1253% | 4,085 |
| Return on assets (ROA) | 0.1259% | 4,113 |
| Pretax return on assets | 0.1639% | 4,087 |
| Return on Equity (ROE) | 1.2800% | 4,102 |
| Retained earnings to average equity (ytd only) | 1.2850% | 3,643 |
| Net charge-offs to loans | -0.0071% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 93.8670% | 404 |
| Assets per employee ($millions) | 8.3089% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 3,628 |
| Loan loss allowance to noncurrent loans | 726.8058% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 3,019 |
| Noncurrent loans to loans | 0.1250% | 3,057 |
| Net loans and leases to total assets | 79.2400% | 726 |
| Net loans and leases to deposits | 90.6941% | 1,176 |
| Net loans and leases to core deposits | 108.0378% | 1,029 |
| Total domestic deposits to total assets | 87.3700% | 1,467 |
| Equity capital to assets | 10.0234% | 2,281 |
| Core capital (leverage) ratio | 11.2440% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $621,426,500 | 1,478 |
| Average earning assets | $576,741,250 | 1,478 |
| Average equity | $60,906,500 | 1,466 |
| Average total loans | $486,019,500 | 1,316 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 2,822 |
| Cost of funding earning assets | 2.4641% | 1,146 |
| Net interest margin | 2.6041% | 3,734 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 2.5307% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0928% | 4,137 |
| Return on assets (ROA) | 0.0915% | 4,164 |
| Pretax return on assets | 0.1176% | 4,141 |
| Return on Equity (ROE) | 0.9400% | 4,150 |
| Retained earnings to average equity (ytd only) | 0.9406% | 3,615 |
| Net charge-offs to loans | 0.0012% | 2,546 |
| Credit loss provision to net charge-offs | 333.3333% | 780 |
| Earnings coverage of net charge-offs (x) | 126.6667% | 672 |
| Efficiency ratio | 95.3861% | 394 |
| Assets per employee ($millions) | 8.2133% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 3,592 |
| Loan loss allowance to noncurrent loans | 481.6916% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,643 |
| Noncurrent loans to loans | 0.1927% | 2,727 |
| Net loans and leases to total assets | 77.9500% | 911 |
| Net loans and leases to deposits | 91.1111% | 1,196 |
| Net loans and leases to core deposits | 108.4674% | 1,032 |
| Total domestic deposits to total assets | 85.5600% | 2,129 |
| Equity capital to assets | 9.8459% | 2,173 |
| Core capital (leverage) ratio | 11.1551% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $620,845,000 | 1,476 |
| Average earning assets | $575,864,667 | 1,479 |
| Average equity | $60,387,667 | 1,461 |
| Average total loans | $481,916,333 | 1,331 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 2,771 |
| Cost of funding earning assets | 2.4449% | 1,088 |
| Net interest margin | 2.5563% | 3,783 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 2.5286% | 2,161 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.0637% | 4,155 |
| Return on assets (ROA) | 0.0616% | 4,196 |
| Pretax return on assets | 0.0757% | 4,181 |
| Return on Equity (ROE) | 0.6400% | 4,183 |
| Retained earnings to average equity (ytd only) | 0.6373% | 3,569 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 96.7583% | 369 |
| Assets per employee ($millions) | 8.6549% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 3,624 |
| Loan loss allowance to noncurrent loans | 724.9597% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 2,974 |
| Noncurrent loans to loans | 0.1272% | 2,976 |
| Net loans and leases to total assets | 76.5700% | 1,003 |
| Net loans and leases to deposits | 87.6552% | 1,389 |
| Net loans and leases to core deposits | 107.4893% | 1,041 |
| Total domestic deposits to total assets | 87.3500% | 1,652 |
| Equity capital to assets | 9.5349% | 2,299 |
| Core capital (leverage) ratio | 11.0887% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $623,270,500 | 1,476 |
| Average earning assets | $578,347,000 | 1,473 |
| Average equity | $60,256,500 | 1,453 |
| Average total loans | $480,528,000 | 1,330 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 2,956 |
| Cost of funding earning assets | 1.6529% | 1,558 |
| Net interest margin | 2.9230% | 3,434 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.6645% | 1,833 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2394% | 4,114 |
| Return on assets (ROA) | 0.2892% | 4,045 |
| Pretax return on assets | 0.3545% | 4,028 |
| Return on Equity (ROE) | 2.9900% | 4,025 |
| Retained earnings to average equity (ytd only) | 2.9947% | 3,272 |
| Net charge-offs to loans | 0.0278% | 1,751 |
| Credit loss provision to net charge-offs | 183.4711% | 1,289 |
| Earnings coverage of net charge-offs (x) | 16.3719% | 2,009 |
| Efficiency ratio | 88.9570% | 450 |
| Assets per employee ($millions) | 8.5380% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 3,540 |
| Loan loss allowance to noncurrent loans | 1,688.7218% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,317 |
| Noncurrent loans to loans | 0.0563% | 3,315 |
| Net loans and leases to total assets | 76.1800% | 1,092 |
| Net loans and leases to deposits | 89.8407% | 1,276 |
| Net loans and leases to core deposits | 104.7369% | 1,180 |
| Total domestic deposits to total assets | 84.7900% | 2,377 |
| Equity capital to assets | 9.8044% | 2,119 |
| Core capital (leverage) ratio | 11.4311% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $598,920,000 | 1,482 |
| Average earning assets | $555,008,000 | 1,481 |
| Average equity | $57,835,600 | 1,428 |
| Average total loans | $435,540,800 | 1,381 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 2,907 |
| Cost of funding earning assets | 1.5020% | 1,599 |
| Net interest margin | 3.0013% | 3,343 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.6925% | 1,684 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2678% | 4,156 |
| Return on assets (ROA) | 0.3494% | 4,055 |
| Pretax return on assets | 0.4536% | 3,984 |
| Return on Equity (ROE) | 3.6300% | 4,026 |
| Retained earnings to average equity (ytd only) | 3.6322% | 3,347 |
| Net charge-offs to loans | 0.0519% | 1,157 |
| Credit loss provision to net charge-offs | 90.3614% | 1,691 |
| Earnings coverage of net charge-offs (x) | 10.3193% | 2,130 |
| Efficiency ratio | 87.5219% | 460 |
| Assets per employee ($millions) | 8.3832% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,510 |
| Loan loss allowance to noncurrent loans | 1,513.8408% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,328 |
| Noncurrent loans to loans | 0.0639% | 3,298 |
| Net loans and leases to total assets | 74.2500% | 1,312 |
| Net loans and leases to deposits | 84.2473% | 1,720 |
| Net loans and leases to core deposits | 101.6644% | 1,232 |
| Total domestic deposits to total assets | 88.1300% | 1,527 |
| Equity capital to assets | 9.3769% | 2,180 |
| Core capital (leverage) ratio | 11.5020% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $594,966,250 | 1,494 |
| Average earning assets | $551,432,500 | 1,490 |
| Average equity | $57,226,750 | 1,428 |
| Average total loans | $426,231,750 | 1,399 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4371% | 2,798 |
| Cost of funding earning assets | 1.3256% | 1,643 |
| Net interest margin | 3.1115% | 3,195 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.6597% | 1,752 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3884% | 4,022 |
| Return on assets (ROA) | 0.6425% | 3,491 |
| Pretax return on assets | 0.8347% | 3,316 |
| Return on Equity (ROE) | 6.6200% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.6230% | 2,412 |
| Net charge-offs to loans | 0.0795% | 787 |
| Credit loss provision to net charge-offs | 60.2410% | 1,626 |
| Earnings coverage of net charge-offs (x) | 9.7530% | 2,016 |
| Efficiency ratio | 82.9453% | 660 |
| Assets per employee ($millions) | 7.8404% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,333 |
| Loan loss allowance to noncurrent loans | 1,556.1151% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,306 |
| Noncurrent loans to loans | 0.0657% | 3,229 |
| Net loans and leases to total assets | 71.2600% | 1,611 |
| Net loans and leases to deposits | 80.1066% | 1,966 |
| Net loans and leases to core deposits | 92.6149% | 1,648 |
| Total domestic deposits to total assets | 88.9500% | 1,278 |
| Equity capital to assets | 9.8681% | 1,928 |
| Core capital (leverage) ratio | 11.5389% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $592,091,667 | 1,498 |
| Average earning assets | $548,741,667 | 1,501 |
| Average equity | $57,436,333 | 1,430 |
| Average total loans | $417,463,000 | 1,409 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 2,622 |
| Cost of funding earning assets | 1.1110% | 1,723 |
| Net interest margin | 3.2646% | 2,962 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.6271% | 1,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4849% | 3,932 |
| Return on assets (ROA) | 0.6908% | 3,445 |
| Pretax return on assets | 0.8975% | 3,245 |
| Return on Equity (ROE) | 7.1800% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.1822% | 2,449 |
| Net charge-offs to loans | -0.0251% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.4868% | 793 |
| Assets per employee ($millions) | 8.0497% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,208 |
| Loan loss allowance to noncurrent loans | 83.8140% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 519 |
| Noncurrent loans to loans | 1.2749% | 533 |
| Net loans and leases to total assets | 67.7400% | 1,864 |
| Net loans and leases to deposits | 75.8779% | 2,131 |
| Net loans and leases to core deposits | 89.1576% | 1,669 |
| Total domestic deposits to total assets | 89.2700% | 1,433 |
| Equity capital to assets | 9.5743% | 2,082 |
| Core capital (leverage) ratio | 11.5977% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $594,124,000 | 1,510 |
| Average earning assets | $550,871,500 | 1,518 |
| Average equity | $57,141,000 | 1,451 |
| Average total loans | $414,532,000 | 1,435 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 2,047 |
| Cost of funding earning assets | 0.4488% | 1,730 |
| Net interest margin | 3.4264% | 2,162 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.6542% | 1,666 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6900% | 3,643 |
| Return on assets (ROA) | 0.4797% | 4,080 |
| Pretax return on assets | 0.6197% | 3,999 |
| Return on Equity (ROE) | 4.7300% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.7307% | 3,160 |
| Net charge-offs to loans | -0.0038% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.7375% | 1,239 |
| Assets per employee ($millions) | 7.8989% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,094 |
| Loan loss allowance to noncurrent loans | 1,084.1975% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,101 |
| Noncurrent loans to loans | 0.0974% | 3,064 |
| Net loans and leases to total assets | 70.3700% | 1,603 |
| Net loans and leases to deposits | 78.9757% | 1,848 |
| Net loans and leases to core deposits | 90.6477% | 1,471 |
| Total domestic deposits to total assets | 89.1000% | 1,688 |
| Equity capital to assets | 9.6625% | 1,910 |
| Core capital (leverage) ratio | 11.5245% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $564,990,200 | 1,572 |
| Average earning assets | $524,924,000 | 1,568 |
| Average equity | $57,284,800 | 1,456 |
| Average total loans | $396,103,600 | 1,407 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7165% | 1,986 |
| Cost of funding earning assets | 0.3438% | 1,754 |
| Net interest margin | 3.3727% | 2,064 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.6463% | 1,603 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.6971% | 3,575 |
| Return on assets (ROA) | 0.3197% | 4,312 |
| Pretax return on assets | 0.4132% | 4,258 |
| Return on Equity (ROE) | 3.1100% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.1149% | 3,747 |
| Net charge-offs to loans | -0.0041% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.3021% | 1,349 |
| Assets per employee ($millions) | 8.0236% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,268 |
| Loan loss allowance to noncurrent loans | 644.6746% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 2,797 |
| Noncurrent loans to loans | 0.1624% | 2,790 |
| Net loans and leases to total assets | 71.3100% | 1,362 |
| Net loans and leases to deposits | 79.5135% | 1,604 |
| Net loans and leases to core deposits | 90.0759% | 1,291 |
| Total domestic deposits to total assets | 89.6800% | 1,793 |
| Equity capital to assets | 9.2531% | 2,038 |
| Core capital (leverage) ratio | 11.5564% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $560,108,000 | 1,594 |
| Average earning assets | $520,763,250 | 1,588 |
| Average equity | $57,486,250 | 1,461 |
| Average total loans | $391,203,000 | 1,407 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 1,880 |
| Cost of funding earning assets | 0.2753% | 1,952 |
| Net interest margin | 3.3136% | 1,869 |
| Noninterest income to average assets | 0.5965% | 1,756 |
| Noninterest expense to average assets | 2.6815% | 1,435 |
| Loan and lease loss provision to assets | 0.0022% | 2,570 |
| Net operating income to assets | 0.7808% | 3,023 |
| Return on assets (ROA) | 0.3406% | 4,173 |
| Pretax return on assets | 0.4392% | 4,099 |
| Return on Equity (ROE) | 3.2092% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.2092% | 3,382 |
| Net charge-offs to loans | -0.0042% | 3,289 |
| Credit loss provision to net charge-offs | -75.0000% | 3,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8672% | 1,643 |
| Assets per employee ($millions) | 7.6550% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,448 |
| Loan loss allowance to noncurrent loans | 499.2611% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,709 |
| Noncurrent loans to loans | 0.2071% | 2,678 |
| Net loans and leases to total assets | 69.4288% | 1,353 |
| Net loans and leases to deposits | 78.0809% | 1,535 |
| Net loans and leases to core deposits | 87.1719% | 1,261 |
| Total domestic deposits to total assets | 88.9190% | 2,218 |
| Equity capital to assets | 10.0780% | 1,673 |
| Core capital (leverage) ratio | 11.9388% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $554,244,000 | 1,613 |
| Average earning assets | $515,751,333 | 1,621 |
| Average equity | $58,830,000 | 1,456 |
| Average total loans | $382,830,000 | 1,429 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5350% | 1,686 |
| Cost of funding earning assets | 0.2652% | 1,978 |
| Net interest margin | 3.2698% | 1,654 |
| Noninterest income to average assets | 0.9530% | 752 |
| Noninterest expense to average assets | 2.6625% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0315% | 1,755 |
| Return on assets (ROA) | 0.8334% | 2,537 |
| Pretax return on assets | 1.0870% | 2,184 |
| Return on Equity (ROE) | 7.6556% | 2,824 |
| Retained earnings to average equity (ytd only) | 7.6556% | 1,688 |
| Net charge-offs to loans | -0.0053% | 3,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5580% | 2,695 |
| Assets per employee ($millions) | 7.4624% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,444 |
| Loan loss allowance to noncurrent loans | 300.5201% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 2,179 |
| Noncurrent loans to loans | 0.3570% | 2,202 |
| Net loans and leases to total assets | 67.5523% | 1,257 |
| Net loans and leases to deposits | 76.4879% | 1,400 |
| Net loans and leases to core deposits | 84.2302% | 1,231 |
| Total domestic deposits to total assets | 88.3176% | 2,382 |
| Equity capital to assets | 10.6312% | 1,531 |
| Core capital (leverage) ratio | 11.9451% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,959,500 | 1,624 |
| Average earning assets | $514,402,500 | 1,635 |
| Average equity | $60,086,500 | 1,482 |
| Average total loans | $378,229,500 | 1,432 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5584% | 2,491 |
| Cost of funding earning assets | 0.3302% | 2,118 |
| Net interest margin | 3.2282% | 2,527 |
| Noninterest income to average assets | 0.3153% | 3,523 |
| Noninterest expense to average assets | 2.4624% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6358% | 3,785 |
| Return on assets (ROA) | 0.9421% | 2,968 |
| Pretax return on assets | 1.2555% | 2,505 |
| Return on Equity (ROE) | 8.4137% | 3,102 |
| Retained earnings to average equity (ytd only) | 8.4137% | 1,385 |
| Net charge-offs to loans | -0.0038% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9419% | 1,310 |
| Assets per employee ($millions) | 7.4555% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,500 |
| Loan loss allowance to noncurrent loans | 471.9626% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 2,857 |
| Noncurrent loans to loans | 0.2256% | 2,831 |
| Net loans and leases to total assets | 68.0329% | 1,261 |
| Net loans and leases to deposits | 77.2416% | 1,472 |
| Net loans and leases to core deposits | 86.9022% | 1,143 |
| Total domestic deposits to total assets | 88.0780% | 2,007 |
| Equity capital to assets | 11.1411% | 1,705 |
| Core capital (leverage) ratio | 11.9691% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $524,334,600 | 1,639 |
| Average earning assets | $489,685,800 | 1,636 |
| Average equity | $58,713,800 | 1,536 |
| Average total loans | $365,998,600 | 1,476 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5880% | 2,594 |
| Cost of funding earning assets | 0.3462% | 2,153 |
| Net interest margin | 3.2418% | 2,603 |
| Noninterest income to average assets | 0.3306% | 3,454 |
| Noninterest expense to average assets | 2.3791% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7269% | 3,702 |
| Return on assets (ROA) | 0.9821% | 3,061 |
| Pretax return on assets | 1.2998% | 2,627 |
| Return on Equity (ROE) | 8.7591% | 3,179 |
| Retained earnings to average equity (ytd only) | 8.7591% | 1,781 |
| Net charge-offs to loans | -0.0040% | 3,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8944% | 1,504 |
| Assets per employee ($millions) | 7.3461% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,625 |
| Loan loss allowance to noncurrent loans | 466.7052% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 3,056 |
| Noncurrent loans to loans | 0.2268% | 3,034 |
| Net loans and leases to total assets | 69.4077% | 1,144 |
| Net loans and leases to deposits | 78.5900% | 1,429 |
| Net loans and leases to core deposits | 89.2584% | 1,077 |
| Total domestic deposits to total assets | 88.3162% | 1,657 |
| Equity capital to assets | 10.9621% | 2,051 |
| Core capital (leverage) ratio | 12.0292% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $517,492,000 | 1,673 |
| Average earning assets | $482,931,750 | 1,669 |
| Average equity | $58,025,750 | 1,584 |
| Average total loans | $362,653,000 | 1,509 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 2,626 |
| Cost of funding earning assets | 0.3589% | 2,242 |
| Net interest margin | 3.2386% | 2,644 |
| Noninterest income to average assets | 0.3506% | 3,360 |
| Noninterest expense to average assets | 2.5551% | 1,980 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6084% | 3,965 |
| Return on assets (ROA) | 0.9568% | 3,126 |
| Pretax return on assets | 1.2555% | 2,750 |
| Return on Equity (ROE) | 8.4655% | 3,268 |
| Retained earnings to average equity (ytd only) | 8.4655% | 1,908 |
| Net charge-offs to loans | -0.0045% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8283% | 1,097 |
| Assets per employee ($millions) | 6.9861% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 3,314 |
| Loan loss allowance to noncurrent loans | 471.2617% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 3,170 |
| Noncurrent loans to loans | 0.2385% | 3,092 |
| Net loans and leases to total assets | 67.7243% | 1,484 |
| Net loans and leases to deposits | 76.8621% | 1,741 |
| Net loans and leases to core deposits | 88.2526% | 1,251 |
| Total domestic deposits to total assets | 88.1114% | 1,766 |
| Equity capital to assets | 11.1794% | 1,845 |
| Core capital (leverage) ratio | 12.1860% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,786,667 | 1,679 |
| Average earning assets | $474,273,667 | 1,685 |
| Average equity | $57,504,000 | 1,582 |
| Average total loans | $356,423,000 | 1,538 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6242% | 2,563 |
| Cost of funding earning assets | 0.3701% | 2,354 |
| Net interest margin | 3.2541% | 2,538 |
| Noninterest income to average assets | 0.3775% | 3,208 |
| Noninterest expense to average assets | 2.8077% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4537% | 4,263 |
| Return on assets (ROA) | 0.8603% | 3,315 |
| Pretax return on assets | 1.1157% | 3,076 |
| Return on Equity (ROE) | 7.5691% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.5691% | 2,395 |
| Net charge-offs to loans | -0.0034% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3695% | 684 |
| Assets per employee ($millions) | 6.8481% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,255 |
| Loan loss allowance to noncurrent loans | 437.4593% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 3,264 |
| Noncurrent loans to loans | 0.2604% | 3,174 |
| Net loans and leases to total assets | 68.9930% | 1,411 |
| Net loans and leases to deposits | 78.3430% | 1,685 |
| Net loans and leases to core deposits | 90.8091% | 1,181 |
| Total domestic deposits to total assets | 88.0653% | 1,818 |
| Equity capital to assets | 11.2460% | 1,687 |
| Core capital (leverage) ratio | 12.2876% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $501,201,500 | 1,690 |
| Average earning assets | $466,861,500 | 1,693 |
| Average equity | $56,968,500 | 1,585 |
| Average total loans | $355,194,500 | 1,545 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 2,718 |
| Cost of funding earning assets | 0.5458% | 2,633 |
| Net interest margin | 3.4572% | 2,610 |
| Noninterest income to average assets | 0.3953% | 3,115 |
| Noninterest expense to average assets | 2.8102% | 1,916 |
| Loan and lease loss provision to assets | 0.0165% | 4,170 |
| Net operating income to assets | 0.6022% | 3,749 |
| Return on assets (ROA) | 0.6991% | 3,571 |
| Pretax return on assets | 0.9079% | 3,343 |
| Return on Equity (ROE) | 6.1054% | 3,547 |
| Retained earnings to average equity (ytd only) | 6.1054% | 1,749 |
| Net charge-offs to loans | -0.0039% | 4,078 |
| Credit loss provision to net charge-offs | -571.4286% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8031% | 1,045 |
| Assets per employee ($millions) | 6.4370% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,314 |
| Loan loss allowance to noncurrent loans | 623.2198% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 3,636 |
| Noncurrent loans to loans | 0.1811% | 3,567 |
| Net loans and leases to total assets | 71.1611% | 1,404 |
| Net loans and leases to deposits | 81.5210% | 1,706 |
| Net loans and leases to core deposits | 95.3920% | 1,153 |
| Total domestic deposits to total assets | 87.2918% | 1,798 |
| Equity capital to assets | 11.4894% | 1,891 |
| Core capital (leverage) ratio | 12.1892% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,193,600 | 1,595 |
| Average earning assets | $451,437,800 | 1,592 |
| Average equity | $55,557,000 | 1,545 |
| Average total loans | $354,808,200 | 1,496 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 2,753 |
| Cost of funding earning assets | 0.5941% | 2,652 |
| Net interest margin | 3.4784% | 2,664 |
| Noninterest income to average assets | 0.3774% | 3,195 |
| Noninterest expense to average assets | 2.7396% | 2,143 |
| Loan and lease loss provision to assets | 0.0110% | 4,165 |
| Net operating income to assets | 0.6691% | 3,569 |
| Return on assets (ROA) | 0.6076% | 3,839 |
| Pretax return on assets | 0.7838% | 3,687 |
| Return on Equity (ROE) | 5.3105% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.3105% | 2,425 |
| Net charge-offs to loans | -0.0038% | 3,989 |
| Credit loss provision to net charge-offs | -400.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8394% | 1,217 |
| Assets per employee ($millions) | 6.6853% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 2,974 |
| Loan loss allowance to noncurrent loans | 782.3183% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 3,923 |
| Noncurrent loans to loans | 0.1458% | 3,801 |
| Net loans and leases to total assets | 68.8565% | 2,131 |
| Net loans and leases to deposits | 78.4576% | 2,486 |
| Net loans and leases to core deposits | 91.5942% | 1,830 |
| Total domestic deposits to total assets | 87.7626% | 1,313 |
| Equity capital to assets | 11.3740% | 2,100 |
| Core capital (leverage) ratio | 12.0212% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $482,580,250 | 1,576 |
| Average earning assets | $448,820,750 | 1,576 |
| Average equity | $55,209,500 | 1,540 |
| Average total loans | $354,326,750 | 1,490 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 2,810 |
| Cost of funding earning assets | 0.6721% | 2,542 |
| Net interest margin | 3.5131% | 2,743 |
| Noninterest income to average assets | 0.3758% | 3,229 |
| Noninterest expense to average assets | 2.8595% | 1,946 |
| Loan and lease loss provision to assets | 0.0084% | 4,091 |
| Net operating income to assets | 0.6159% | 3,680 |
| Return on assets (ROA) | 0.3435% | 4,401 |
| Pretax return on assets | 0.4308% | 4,373 |
| Return on Equity (ROE) | 2.9962% | 4,355 |
| Retained earnings to average equity (ytd only) | 2.9962% | 3,392 |
| Net charge-offs to loans | -0.0028% | 3,875 |
| Credit loss provision to net charge-offs | -400.0000% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5739% | 999 |
| Assets per employee ($millions) | 6.6439% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,061 |
| Loan loss allowance to noncurrent loans | 911.7512% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 4,091 |
| Noncurrent loans to loans | 0.1207% | 3,968 |
| Net loans and leases to total assets | 72.3570% | 1,643 |
| Net loans and leases to deposits | 82.6744% | 2,126 |
| Net loans and leases to core deposits | 97.5143% | 1,454 |
| Total domestic deposits to total assets | 87.5204% | 1,410 |
| Equity capital to assets | 11.3400% | 2,092 |
| Core capital (leverage) ratio | 12.0620% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,307,667 | 1,564 |
| Average earning assets | $442,462,000 | 1,568 |
| Average equity | $54,603,000 | 1,541 |
| Average total loans | $356,026,667 | 1,472 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 2,983 |
| Cost of funding earning assets | 0.8177% | 2,292 |
| Net interest margin | 3.4631% | 3,104 |
| Noninterest income to average assets | 0.3832% | 3,212 |
| Noninterest expense to average assets | 2.9037% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6097% | 3,573 |
| Return on assets (ROA) | -0.4780% | 4,900 |
| Pretax return on assets | -0.6837% | 4,919 |
| Return on Equity (ROE) | -4.1460% | 4,900 |
| Retained earnings to average equity (ytd only) | -4.1460% | 4,450 |
| Net charge-offs to loans | -0.0023% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7309% | 1,068 |
| Assets per employee ($millions) | 6.6227% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,225 |
| Loan loss allowance to noncurrent loans | 771.3725% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 4,085 |
| Noncurrent loans to loans | 0.1422% | 3,954 |
| Net loans and leases to total assets | 74.3737% | 1,552 |
| Net loans and leases to deposits | 86.9188% | 1,884 |
| Net loans and leases to core deposits | 101.9429% | 1,327 |
| Total domestic deposits to total assets | 85.5669% | 2,184 |
| Equity capital to assets | 11.3287% | 2,566 |
| Core capital (leverage) ratio | 11.9425% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $468,636,000 | 1,539 |
| Average earning assets | $434,873,000 | 1,535 |
| Average equity | $54,028,000 | 1,541 |
| Average total loans | $354,189,500 | 1,437 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 3,653 |
| Cost of funding earning assets | 0.8857% | 2,257 |
| Net interest margin | 3.3725% | 3,817 |
| Noninterest income to average assets | 0.3768% | 3,443 |
| Noninterest expense to average assets | 2.9510% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4602% | 4,487 |
| Return on assets (ROA) | 0.7497% | 3,782 |
| Pretax return on assets | 0.9045% | 3,731 |
| Return on Equity (ROE) | 6.5004% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.5004% | 1,607 |
| Net charge-offs to loans | -0.0036% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1533% | 645 |
| Assets per employee ($millions) | 6.3074% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 2,817 |
| Loan loss allowance to noncurrent loans | 746.1101% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 4,061 |
| Noncurrent loans to loans | 0.1507% | 3,925 |
| Net loans and leases to total assets | 75.1185% | 1,565 |
| Net loans and leases to deposits | 87.4643% | 1,916 |
| Net loans and leases to core deposits | 98.7078% | 1,676 |
| Total domestic deposits to total assets | 85.8847% | 2,110 |
| Equity capital to assets | 11.7360% | 2,324 |
| Core capital (leverage) ratio | 12.3126% | 1,586 |
| Tier 1 risk-based capital ratio | 14.2281% | 3,156 |
| Total risk-based capital ratio | 15.2185% | 3,189 |
| Memoranda: | ||
| Average total assets | $456,719,800 | 1,531 |
| Average earning assets | $423,865,200 | 1,530 |
| Average equity | $52,674,000 | 1,524 |
| Average total loans | $334,657,000 | 1,483 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 3,741 |
| Cost of funding earning assets | 0.8942% | 2,260 |
| Net interest margin | 3.3780% | 3,920 |
| Noninterest income to average assets | 0.3630% | 3,547 |
| Noninterest expense to average assets | 2.9086% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4686% | 4,586 |
| Return on assets (ROA) | 0.6719% | 4,162 |
| Pretax return on assets | 0.8469% | 4,017 |
| Return on Equity (ROE) | 5.8521% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.8521% | 2,435 |
| Net charge-offs to loans | -0.0036% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1494% | 678 |
| Assets per employee ($millions) | 6.2128% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,645 |
| Loan loss allowance to noncurrent loans | 922.3005% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,254 |
| Noncurrent loans to loans | 0.1273% | 4,082 |
| Net loans and leases to total assets | 71.9262% | 2,186 |
| Net loans and leases to deposits | 82.4208% | 2,629 |
| Net loans and leases to core deposits | 97.0376% | 1,900 |
| Total domestic deposits to total assets | 87.2671% | 1,394 |
| Equity capital to assets | 11.7509% | 2,459 |
| Core capital (leverage) ratio | 12.1296% | 1,769 |
| Tier 1 risk-based capital ratio | 14.2798% | 3,183 |
| Total risk-based capital ratio | 15.2932% | 3,212 |
| Memoranda: | ||
| Average total assets | $455,790,250 | 1,543 |
| Average earning assets | $422,998,750 | 1,543 |
| Average equity | $52,333,250 | 1,536 |
| Average total loans | $330,869,750 | 1,499 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 3,697 |
| Cost of funding earning assets | 0.8796% | 2,243 |
| Net interest margin | 3.3993% | 3,900 |
| Noninterest income to average assets | 0.3362% | 3,683 |
| Noninterest expense to average assets | 2.8873% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4758% | 4,580 |
| Return on assets (ROA) | 0.7428% | 3,920 |
| Pretax return on assets | 0.9400% | 3,743 |
| Return on Equity (ROE) | 6.5212% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.5212% | 2,040 |
| Net charge-offs to loans | -0.0036% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7469% | 748 |
| Assets per employee ($millions) | 6.6618% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,734 |
| Loan loss allowance to noncurrent loans | 487.0968% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 3,886 |
| Noncurrent loans to loans | 0.2384% | 3,684 |
| Net loans and leases to total assets | 72.7086% | 2,112 |
| Net loans and leases to deposits | 84.7777% | 2,398 |
| Net loans and leases to core deposits | 99.0813% | 1,800 |
| Total domestic deposits to total assets | 85.7639% | 2,149 |
| Equity capital to assets | 11.5715% | 2,553 |
| Core capital (leverage) ratio | 12.1509% | 1,723 |
| Tier 1 risk-based capital ratio | 14.1963% | 3,216 |
| Total risk-based capital ratio | 15.2095% | 3,251 |
| Memoranda: | ||
| Average total assets | $454,472,000 | 1,554 |
| Average earning assets | $421,563,000 | 1,550 |
| Average equity | $51,769,670 | 1,542 |
| Average total loans | $329,624,330 | 1,514 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 3,686 |
| Cost of funding earning assets | 0.8591% | 2,216 |
| Net interest margin | 3.3974% | 3,893 |
| Noninterest income to average assets | 0.3373% | 3,605 |
| Noninterest expense to average assets | 2.9052% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4766% | 4,581 |
| Return on assets (ROA) | 0.9312% | 3,158 |
| Pretax return on assets | 1.1437% | 2,997 |
| Return on Equity (ROE) | 8.2414% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.2414% | 1,577 |
| Net charge-offs to loans | -0.0025% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2995% | 764 |
| Assets per employee ($millions) | 6.7090% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 2,623 |
| Loan loss allowance to noncurrent loans | 525.0335% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,997 |
| Noncurrent loans to loans | 0.2270% | 3,767 |
| Net loans and leases to total assets | 71.2705% | 2,291 |
| Net loans and leases to deposits | 81.3544% | 2,687 |
| Net loans and leases to core deposits | 96.5601% | 1,891 |
| Total domestic deposits to total assets | 87.6049% | 1,514 |
| Equity capital to assets | 11.3797% | 2,498 |
| Core capital (leverage) ratio | 12.0445% | 1,745 |
| Tier 1 risk-based capital ratio | 14.2431% | 3,222 |
| Total risk-based capital ratio | 15.2728% | 3,244 |
| Memoranda: | ||
| Average total assets | $451,877,000 | 1,570 |
| Average earning assets | $419,023,000 | 1,562 |
| Average equity | $51,059,500 | 1,552 |
| Average total loans | $325,366,500 | 1,539 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 4,291 |
| Cost of funding earning assets | 0.6926% | 2,137 |
| Net interest margin | 3.1984% | 4,491 |
| Noninterest income to average assets | 0.3550% | 3,723 |
| Noninterest expense to average assets | 2.8451% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4379% | 4,790 |
| Return on assets (ROA) | 0.5331% | 4,585 |
| Pretax return on assets | 0.5693% | 4,685 |
| Return on Equity (ROE) | 4.6661% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.6661% | 2,950 |
| Net charge-offs to loans | -0.0023% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8750% | 532 |
| Assets per employee ($millions) | 6.3034% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,475 |
| Loan loss allowance to noncurrent loans | 521.2766% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 3,981 |
| Noncurrent loans to loans | 0.2338% | 3,744 |
| Net loans and leases to total assets | 70.9981% | 2,420 |
| Net loans and leases to deposits | 81.1017% | 2,839 |
| Net loans and leases to core deposits | 92.7506% | 2,343 |
| Total domestic deposits to total assets | 87.5421% | 1,514 |
| Equity capital to assets | 11.2175% | 2,500 |
| Core capital (leverage) ratio | 11.7768% | 1,893 |
| Tier 1 risk-based capital ratio | 14.1033% | 3,242 |
| Total risk-based capital ratio | 15.1474% | 3,265 |
| Memoranda: | ||
| Average total assets | $437,413,600 | 1,571 |
| Average earning assets | $404,546,200 | 1,570 |
| Average equity | $49,977,600 | 1,523 |
| Average total loans | $299,525,000 | 1,601 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,428 |
| Cost of funding earning assets | 0.6394% | 2,212 |
| Net interest margin | 3.1661% | 4,584 |
| Noninterest income to average assets | 0.3532% | 3,771 |
| Noninterest expense to average assets | 2.8283% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4000% | 4,957 |
| Return on assets (ROA) | 0.4804% | 4,805 |
| Pretax return on assets | 0.5433% | 4,830 |
| Return on Equity (ROE) | 4.1852% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.1852% | 3,681 |
| Net charge-offs to loans | -0.0023% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2230% | 501 |
| Assets per employee ($millions) | 6.3335% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,220 |
| Loan loss allowance to noncurrent loans | 516.2055% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 4,108 |
| Noncurrent loans to loans | 0.2471% | 3,804 |
| Net loans and leases to total assets | 67.4489% | 3,017 |
| Net loans and leases to deposits | 76.8422% | 3,341 |
| Net loans and leases to core deposits | 91.1507% | 2,548 |
| Total domestic deposits to total assets | 87.7758% | 1,349 |
| Equity capital to assets | 11.2480% | 2,430 |
| Core capital (leverage) ratio | 11.7783% | 1,931 |
| Tier 1 risk-based capital ratio | 13.2418% | 3,766 |
| Total risk-based capital ratio | 14.3625% | 3,750 |
| Memoranda: | ||
| Average total assets | $434,882,000 | 1,586 |
| Average earning assets | $402,038,500 | 1,591 |
| Average equity | $49,921,250 | 1,529 |
| Average total loans | $293,990,000 | 1,626 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7499% | 4,469 |
| Cost of funding earning assets | 0.5756% | 2,393 |
| Net interest margin | 3.1742% | 4,564 |
| Noninterest income to average assets | 0.3493% | 3,829 |
| Noninterest expense to average assets | 2.8208% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3768% | 5,009 |
| Return on assets (ROA) | 0.3768% | 5,010 |
| Pretax return on assets | 0.4605% | 4,968 |
| Return on Equity (ROE) | 3.2594% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.2594% | 3,940 |
| Net charge-offs to loans | -0.0014% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9654% | 571 |
| Assets per employee ($millions) | 6.4514% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 1,985 |
| Loan loss allowance to noncurrent loans | 513.1062% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 4,085 |
| Noncurrent loans to loans | 0.2615% | 3,767 |
| Net loans and leases to total assets | 67.6178% | 2,925 |
| Net loans and leases to deposits | 77.4000% | 3,213 |
| Net loans and leases to core deposits | 88.6649% | 2,668 |
| Total domestic deposits to total assets | 87.3614% | 1,699 |
| Equity capital to assets | 11.6825% | 2,073 |
| Core capital (leverage) ratio | 12.1582% | 1,615 |
| Tier 1 risk-based capital ratio | 14.5735% | 3,084 |
| Total risk-based capital ratio | 15.8024% | 3,012 |
| Memoranda: | ||
| Average total assets | $429,949,330 | 1,612 |
| Average earning assets | $397,135,330 | 1,613 |
| Average equity | $49,701,670 | 1,534 |
| Average total loans | $289,579,330 | 1,645 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 4,527 |
| Cost of funding earning assets | 0.5519% | 2,391 |
| Net interest margin | 3.1220% | 4,660 |
| Noninterest income to average assets | 0.3491% | 3,808 |
| Noninterest expense to average assets | 2.8276% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3379% | 5,034 |
| Return on assets (ROA) | 0.3379% | 5,037 |
| Pretax return on assets | 0.4074% | 5,025 |
| Return on Equity (ROE) | 2.9387% | 5,029 |
| Retained earnings to average equity (ytd only) | 2.9387% | 4,023 |
| Net charge-offs to loans | 0.0014% | 2,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 440.0000% | 148 |
| Efficiency ratio | 87.4070% | 562 |
| Assets per employee ($millions) | 6.3074% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 1,974 |
| Loan loss allowance to noncurrent loans | 623.9234% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 4,351 |
| Noncurrent loans to loans | 0.2186% | 3,992 |
| Net loans and leases to total assets | 65.9713% | 3,035 |
| Net loans and leases to deposits | 76.5309% | 3,154 |
| Net loans and leases to core deposits | 84.4019% | 2,941 |
| Total domestic deposits to total assets | 86.2022% | 2,448 |
| Equity capital to assets | 11.5154% | 2,117 |
| Core capital (leverage) ratio | 11.9846% | 1,664 |
| Tier 1 risk-based capital ratio | 14.5481% | 3,099 |
| Total risk-based capital ratio | 15.7714% | 3,017 |
| Memoranda: | ||
| Average total assets | $432,028,000 | 1,616 |
| Average earning assets | $399,359,000 | 1,616 |
| Average equity | $49,681,000 | 1,545 |
| Average total loans | $288,456,000 | 1,663 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 4,750 |
| Cost of funding earning assets | 0.5417% | 2,014 |
| Net interest margin | 2.9808% | 4,926 |
| Noninterest income to average assets | 0.4351% | 3,405 |
| Noninterest expense to average assets | 2.7430% | 2,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0259% | 5,384 |
| Return on assets (ROA) | 0.1510% | 5,203 |
| Pretax return on assets | 0.7178% | 4,467 |
| Return on Equity (ROE) | 1.3138% | 5,185 |
| Retained earnings to average equity (ytd only) | 1.3138% | 4,494 |
| Net charge-offs to loans | -0.0036% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1368% | 637 |
| Assets per employee ($millions) | 6.3993% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 1,975 |
| Loan loss allowance to noncurrent loans | 607.6087% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 4,401 |
| Noncurrent loans to loans | 0.2220% | 4,018 |
| Net loans and leases to total assets | 65.7548% | 3,130 |
| Net loans and leases to deposits | 75.4569% | 3,383 |
| Net loans and leases to core deposits | 82.5514% | 3,198 |
| Total domestic deposits to total assets | 87.1422% | 1,924 |
| Equity capital to assets | 11.4838% | 2,217 |
| Core capital (leverage) ratio | 11.4412% | 1,981 |
| Tier 1 risk-based capital ratio | 14.2093% | 3,247 |
| Total risk-based capital ratio | 15.4464% | 3,158 |
| Memoranda: | ||
| Average total assets | $438,537,400 | 1,581 |
| Average earning assets | $404,489,000 | 1,585 |
| Average equity | $50,388,800 | 1,511 |
| Average total loans | $276,457,400 | 1,678 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4746% | 4,852 |
| Cost of funding earning assets | 0.5383% | 1,967 |
| Net interest margin | 2.9363% | 5,046 |
| Noninterest income to average assets | 0.4339% | 3,445 |
| Noninterest expense to average assets | 2.7580% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3313% | 5,152 |
| Return on assets (ROA) | 0.3474% | 5,138 |
| Pretax return on assets | 0.4006% | 5,191 |
| Return on Equity (ROE) | 3.0234% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.0234% | 4,109 |
| Net charge-offs to loans | -0.0034% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8334% | 518 |
| Assets per employee ($millions) | 6.3302% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,975 |
| Loan loss allowance to noncurrent loans | 606.2016% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,526 |
| Noncurrent loans to loans | 0.2277% | 4,153 |
| Net loans and leases to total assets | 63.9653% | 3,403 |
| Net loans and leases to deposits | 73.5685% | 3,618 |
| Net loans and leases to core deposits | 80.6001% | 3,400 |
| Total domestic deposits to total assets | 86.9466% | 1,888 |
| Equity capital to assets | 11.8084% | 2,103 |
| Core capital (leverage) ratio | 11.1873% | 2,289 |
| Tier 1 risk-based capital ratio | 13.4006% | 3,767 |
| Total risk-based capital ratio | 14.6861% | 3,662 |
| Memoranda: | ||
| Average total assets | $439,383,500 | 1,589 |
| Average earning assets | $404,947,000 | 1,594 |
| Average equity | $50,493,000 | 1,525 |
| Average total loans | $273,060,000 | 1,706 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4192% | 4,941 |
| Cost of funding earning assets | 0.5365% | 1,866 |
| Net interest margin | 2.8827% | 5,126 |
| Noninterest income to average assets | 0.4647% | 3,256 |
| Noninterest expense to average assets | 2.8393% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2263% | 5,358 |
| Return on assets (ROA) | 0.2535% | 5,332 |
| Pretax return on assets | 0.3148% | 5,317 |
| Return on Equity (ROE) | 2.2261% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.2261% | 4,341 |
| Net charge-offs to loans | -0.0030% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9885% | 401 |
| Assets per employee ($millions) | 5.7827% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,862 |
| Loan loss allowance to noncurrent loans | 598.3155% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,580 |
| Noncurrent loans to loans | 0.2374% | 4,179 |
| Net loans and leases to total assets | 61.7109% | 3,663 |
| Net loans and leases to deposits | 71.0781% | 3,822 |
| Net loans and leases to core deposits | 77.6975% | 3,622 |
| Total domestic deposits to total assets | 86.8212% | 2,031 |
| Equity capital to assets | 11.5064% | 2,313 |
| Core capital (leverage) ratio | 11.0470% | 2,363 |
| Tier 1 risk-based capital ratio | 13.0926% | 3,948 |
| Total risk-based capital ratio | 14.3101% | 3,875 |
| Memoranda: | ||
| Average total assets | $440,250,670 | 1,592 |
| Average earning assets | $405,593,000 | 1,596 |
| Average equity | $50,131,670 | 1,534 |
| Average total loans | $269,647,000 | 1,719 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3719% | 4,990 |
| Cost of funding earning assets | 0.5352% | 1,823 |
| Net interest margin | 2.8367% | 5,189 |
| Noninterest income to average assets | 0.3431% | 4,100 |
| Noninterest expense to average assets | 2.8187% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1131% | 5,496 |
| Return on assets (ROA) | 0.1688% | 5,446 |
| Pretax return on assets | 0.2043% | 5,431 |
| Return on Equity (ROE) | 1.4906% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.4906% | 4,505 |
| Net charge-offs to loans | -0.0045% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3624% | 337 |
| Assets per employee ($millions) | 5.8208% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 1,871 |
| Loan loss allowance to noncurrent loans | 597.2477% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 4,668 |
| Noncurrent loans to loans | 0.2424% | 4,239 |
| Net loans and leases to total assets | 60.1098% | 3,775 |
| Net loans and leases to deposits | 69.0420% | 3,891 |
| Net loans and leases to core deposits | 75.2320% | 3,719 |
| Total domestic deposits to total assets | 87.0626% | 2,184 |
| Equity capital to assets | 11.3179% | 2,336 |
| Core capital (leverage) ratio | 10.9708% | 2,387 |
| Tier 1 risk-based capital ratio | 13.2052% | 3,945 |
| Total risk-based capital ratio | 14.4514% | 3,868 |
| Memoranda: | ||
| Average total assets | $440,633,500 | 1,604 |
| Average earning assets | $405,829,000 | 1,608 |
| Average equity | $49,913,000 | 1,539 |
| Average total loans | $266,912,000 | 1,746 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3424% | 5,094 |
| Cost of funding earning assets | 0.5493% | 1,696 |
| Net interest margin | 2.7931% | 5,301 |
| Noninterest income to average assets | 0.4452% | 3,578 |
| Noninterest expense to average assets | 2.9001% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1154% | 5,545 |
| Return on assets (ROA) | 0.3190% | 5,244 |
| Pretax return on assets | 0.3181% | 5,343 |
| Return on Equity (ROE) | 2.7839% | 5,218 |
| Retained earnings to average equity (ytd only) | 2.7839% | 3,920 |
| Net charge-offs to loans | 0.0004% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 166 |
| Efficiency ratio | 96.2017% | 305 |
| Assets per employee ($millions) | 5.8519% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 1,760 |
| Loan loss allowance to noncurrent loans | 565.6522% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,691 |
| Noncurrent loans to loans | 0.2614% | 4,214 |
| Net loans and leases to total assets | 59.2638% | 3,930 |
| Net loans and leases to deposits | 68.1173% | 4,076 |
| Net loans and leases to core deposits | 74.6029% | 3,868 |
| Total domestic deposits to total assets | 87.0027% | 2,142 |
| Equity capital to assets | 11.3372% | 2,301 |
| Core capital (leverage) ratio | 10.9735% | 2,366 |
| Tier 1 risk-based capital ratio | 13.5510% | 3,739 |
| Total risk-based capital ratio | 14.8182% | 3,633 |
| Memoranda: | ||
| Average total assets | $428,812,200 | 1,584 |
| Average earning assets | $394,471,600 | 1,597 |
| Average equity | $49,140,400 | 1,546 |
| Average total loans | $255,452,400 | 1,765 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3258% | 5,176 |
| Cost of funding earning assets | 0.5476% | 1,724 |
| Net interest margin | 2.7782% | 5,390 |
| Noninterest income to average assets | 0.4419% | 3,614 |
| Noninterest expense to average assets | 2.7949% | 3,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1731% | 5,514 |
| Return on assets (ROA) | 0.2852% | 5,397 |
| Pretax return on assets | 0.3325% | 5,407 |
| Return on Equity (ROE) | 2.4823% | 5,357 |
| Retained earnings to average equity (ytd only) | 2.4823% | 4,434 |
| Net charge-offs to loans | -0.0047% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2582% | 416 |
| Assets per employee ($millions) | 5.5541% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 1,810 |
| Loan loss allowance to noncurrent loans | 1,157.6923% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 5,123 |
| Noncurrent loans to loans | 0.1284% | 4,825 |
| Net loans and leases to total assets | 59.8365% | 3,896 |
| Net loans and leases to deposits | 68.8511% | 4,083 |
| Net loans and leases to core deposits | 75.6576% | 3,876 |
| Total domestic deposits to total assets | 86.9072% | 1,928 |
| Equity capital to assets | 11.4883% | 2,524 |
| Core capital (leverage) ratio | 11.5200% | 2,012 |
| Tier 1 risk-based capital ratio | 14.0053% | 3,557 |
| Total risk-based capital ratio | 15.2570% | 3,477 |
| Memoranda: | ||
| Average total assets | $426,292,750 | 1,593 |
| Average earning assets | $392,036,250 | 1,603 |
| Average equity | $48,986,000 | 1,555 |
| Average total loans | $253,314,000 | 1,776 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2960% | 5,297 |
| Cost of funding earning assets | 0.5548% | 1,657 |
| Net interest margin | 2.7412% | 5,519 |
| Noninterest income to average assets | 0.4076% | 3,817 |
| Noninterest expense to average assets | 2.8020% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1033% | 5,663 |
| Return on assets (ROA) | 0.2410% | 5,512 |
| Pretax return on assets | 0.2929% | 5,506 |
| Return on Equity (ROE) | 2.0975% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.0975% | 4,519 |
| Net charge-offs to loans | -0.0056% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7293% | 355 |
| Assets per employee ($millions) | 5.5653% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.6557% | 3,793 |
| Net loans and leases to deposits | 69.9580% | 3,985 |
| Net loans and leases to core deposits | 76.9023% | 3,749 |
| Total domestic deposits to total assets | 86.7030% | 2,059 |
| Equity capital to assets | 11.6831% | 2,375 |
| Core capital (leverage) ratio | 11.5912% | 1,919 |
| Tier 1 risk-based capital ratio | 13.4887% | 3,913 |
| Total risk-based capital ratio | 14.6912% | 3,851 |
| Memoranda: | ||
| Average total assets | $423,983,000 | 1,602 |
| Average earning assets | $389,687,330 | 1,610 |
| Average equity | $48,724,670 | 1,559 |
| Average total loans | $250,039,330 | 1,799 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2408% | 5,425 |
| Cost of funding earning assets | 0.5610% | 1,616 |
| Net interest margin | 2.6798% | 5,642 |
| Noninterest income to average assets | 0.3694% | 4,082 |
| Noninterest expense to average assets | 2.9098% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0666% | 5,826 |
| Return on assets (ROA) | 0.1432% | 5,674 |
| Pretax return on assets | 0.1687% | 5,673 |
| Return on Equity (ROE) | 1.2567% | 5,654 |
| Retained earnings to average equity (ytd only) | 1.2567% | 4,752 |
| Net charge-offs to loans | -0.0065% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7621% | 229 |
| Assets per employee ($millions) | 5.7931% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 1,646 |
| Loan loss allowance to noncurrent loans | 1,691.7749% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 5,396 |
| Noncurrent loans to loans | 0.0938% | 5,097 |
| Net loans and leases to total assets | 57.3076% | 4,115 |
| Net loans and leases to deposits | 65.9503% | 4,264 |
| Net loans and leases to core deposits | 72.2560% | 4,048 |
| Total domestic deposits to total assets | 86.8951% | 2,256 |
| Equity capital to assets | 11.5298% | 2,415 |
| Core capital (leverage) ratio | 11.4903% | 1,977 |
| Tier 1 risk-based capital ratio | 13.8100% | 3,806 |
| Total risk-based capital ratio | 15.0403% | 3,754 |
| Memoranda: | ||
| Average total assets | $424,494,000 | 1,597 |
| Average earning assets | $390,026,500 | 1,608 |
| Average equity | $48,379,500 | 1,565 |
| Average total loans | $244,828,500 | 1,832 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1316% | 5,603 |
| Cost of funding earning assets | 0.5579% | 1,695 |
| Net interest margin | 2.5737% | 5,775 |
| Noninterest income to average assets | 0.4421% | 3,733 |
| Noninterest expense to average assets | 2.9694% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1668% | 5,956 |
| Return on assets (ROA) | 0.1570% | 5,713 |
| Pretax return on assets | 0.1432% | 5,761 |
| Return on Equity (ROE) | 1.3697% | 5,707 |
| Retained earnings to average equity (ytd only) | 1.3697% | 4,946 |
| Net charge-offs to loans | 0.0646% | 2,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -5.2230% | 4,401 |
| Efficiency ratio | 106.4767% | 180 |
| Assets per employee ($millions) | 5.6812% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,602 |
| Loan loss allowance to noncurrent loans | 1,690.0433% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 5,449 |
| Noncurrent loans to loans | 0.0949% | 5,117 |
| Net loans and leases to total assets | 56.2070% | 4,280 |
| Net loans and leases to deposits | 65.4436% | 4,359 |
| Net loans and leases to core deposits | 71.2269% | 4,198 |
| Total domestic deposits to total assets | 85.8862% | 2,688 |
| Equity capital to assets | 11.2651% | 2,570 |
| Core capital (leverage) ratio | 11.3828% | 2,055 |
| Tier 1 risk-based capital ratio | 14.0118% | 3,707 |
| Total risk-based capital ratio | 15.2626% | 3,632 |
| Memoranda: | ||
| Average total assets | $427,969,000 | 1,554 |
| Average earning assets | $390,221,400 | 1,562 |
| Average equity | $49,060,800 | 1,526 |
| Average total loans | $229,213,400 | 1,863 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1244% | 5,679 |
| Cost of funding earning assets | 0.5602% | 1,712 |
| Net interest margin | 2.5642% | 5,868 |
| Noninterest income to average assets | 0.4282% | 3,883 |
| Noninterest expense to average assets | 2.9107% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1314% | 6,020 |
| Return on assets (ROA) | 0.0803% | 5,911 |
| Pretax return on assets | 0.0915% | 5,898 |
| Return on Equity (ROE) | 0.6974% | 5,901 |
| Retained earnings to average equity (ytd only) | 0.6974% | 5,411 |
| Net charge-offs to loans | 0.0006% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -480.1880% | 4,180 |
| Efficiency ratio | 105.3978% | 198 |
| Assets per employee ($millions) | 5.3750% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 1,416 |
| Loan loss allowance to noncurrent loans | 1,731.1966% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 5,552 |
| Noncurrent loans to loans | 0.0997% | 5,236 |
| Net loans and leases to total assets | 54.3327% | 4,530 |
| Net loans and leases to deposits | 63.3588% | 4,612 |
| Net loans and leases to core deposits | 69.0345% | 4,454 |
| Total domestic deposits to total assets | 85.7540% | 2,666 |
| Equity capital to assets | 11.5794% | 2,433 |
| Core capital (leverage) ratio | 11.3798% | 2,127 |
| Tier 1 risk-based capital ratio | 14.1762% | 3,745 |
| Total risk-based capital ratio | 15.5196% | 3,616 |
| Memoranda: | ||
| Average total assets | $428,438,000 | 1,565 |
| Average earning assets | $389,870,500 | 1,573 |
| Average equity | $49,326,000 | 1,515 |
| Average total loans | $225,667,250 | 1,898 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0429% | 5,813 |
| Cost of funding earning assets | 0.5556% | 1,770 |
| Net interest margin | 2.4873% | 5,973 |
| Noninterest income to average assets | 0.4086% | 4,020 |
| Noninterest expense to average assets | 2.9094% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1898% | 6,095 |
| Return on assets (ROA) | 0.0707% | 5,952 |
| Pretax return on assets | 0.0819% | 5,950 |
| Return on Equity (ROE) | 0.6157% | 5,951 |
| Retained earnings to average equity (ytd only) | 0.6157% | 5,314 |
| Net charge-offs to loans | 0.0009% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -475.0000% | 3,892 |
| Efficiency ratio | 108.2237% | 194 |
| Assets per employee ($millions) | 5.6899% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 1,412 |
| Loan loss allowance to noncurrent loans | 1,709.2827% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 5,516 |
| Noncurrent loans to loans | 0.1042% | 5,332 |
| Net loans and leases to total assets | 51.6740% | 4,784 |
| Net loans and leases to deposits | 60.2155% | 4,833 |
| Net loans and leases to core deposits | 65.3898% | 4,704 |
| Total domestic deposits to total assets | 85.8152% | 2,787 |
| Equity capital to assets | 11.3712% | 2,515 |
| Core capital (leverage) ratio | 11.4070% | 2,066 |
| Tier 1 risk-based capital ratio | 14.3019% | 3,761 |
| Total risk-based capital ratio | 15.7109% | 3,584 |
| Memoranda: | ||
| Average total assets | $429,709,670 | 1,566 |
| Average earning assets | $393,838,330 | 1,570 |
| Average equity | $49,378,330 | 1,523 |
| Average total loans | $222,636,330 | 1,926 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0734% | 5,815 |
| Cost of funding earning assets | 0.5574% | 1,778 |
| Net interest margin | 2.5160% | 5,999 |
| Noninterest income to average assets | 0.3866% | 4,111 |
| Noninterest expense to average assets | 2.8846% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1482% | 6,125 |
| Return on assets (ROA) | 0.0374% | 6,013 |
| Pretax return on assets | 0.0486% | 5,996 |
| Return on Equity (ROE) | 0.3234% | 6,010 |
| Retained earnings to average equity (ytd only) | 0.3234% | 5,270 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1453% | 223 |
| Assets per employee ($millions) | 5.2680% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 1,407 |
| Loan loss allowance to noncurrent loans | 1,660.6557% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 5,583 |
| Noncurrent loans to loans | 0.1111% | 5,365 |
| Net loans and leases to total assets | 50.5373% | 4,790 |
| Net loans and leases to deposits | 59.1025% | 4,820 |
| Net loans and leases to core deposits | 64.2265% | 4,675 |
| Total domestic deposits to total assets | 85.5078% | 3,174 |
| Equity capital to assets | 11.6415% | 2,344 |
| Core capital (leverage) ratio | 11.4076% | 2,073 |
| Tier 1 risk-based capital ratio | 14.7080% | 3,604 |
| Total risk-based capital ratio | 16.2037% | 3,383 |
| Memoranda: | ||
| Average total assets | $428,347,500 | 1,581 |
| Average earning assets | $392,532,000 | 1,584 |
| Average equity | $49,481,000 | 1,524 |
| Average total loans | $220,201,000 | 1,935 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0058% | 6,064 |
| Cost of funding earning assets | 0.5759% | 1,997 |
| Net interest margin | 2.4299% | 6,212 |
| Noninterest income to average assets | 0.3936% | 4,237 |
| Noninterest expense to average assets | 2.7953% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1617% | 6,191 |
| Return on assets (ROA) | 0.2106% | 5,807 |
| Pretax return on assets | 0.2382% | 5,808 |
| Return on Equity (ROE) | 1.8689% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.8689% | 4,867 |
| Net charge-offs to loans | 0.0005% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -804.0000% | 4,968 |
| Efficiency ratio | 107.0812% | 249 |
| Assets per employee ($millions) | 5.2438% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8359% | 1,460 |
| Loan loss allowance to noncurrent loans | 969.3780% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 5,638 |
| Noncurrent loans to loans | 0.1894% | 5,152 |
| Net loans and leases to total assets | 50.3856% | 4,932 |
| Net loans and leases to deposits | 58.8330% | 4,996 |
| Net loans and leases to core deposits | 63.6103% | 4,865 |
| Total domestic deposits to total assets | 85.6418% | 3,013 |
| Equity capital to assets | 11.4624% | 2,464 |
| Core capital (leverage) ratio | 10.4372% | 3,011 |
| Tier 1 risk-based capital ratio | 14.8257% | 3,582 |
| Total risk-based capital ratio | 16.3937% | 3,363 |
| Memoranda: | ||
| Average total assets | $434,942,000 | 1,532 |
| Average earning assets | $396,799,400 | 1,541 |
| Average equity | $49,013,600 | 1,470 |
| Average total loans | $207,584,800 | 1,989 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9769% | 6,154 |
| Cost of funding earning assets | 0.5773% | 2,041 |
| Net interest margin | 2.3996% | 6,297 |
| Noninterest income to average assets | 0.3735% | 4,440 |
| Noninterest expense to average assets | 2.7251% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.1404% | 6,241 |
| Return on assets (ROA) | 0.1862% | 5,917 |
| Pretax return on assets | 0.2192% | 5,919 |
| Return on Equity (ROE) | 1.6590% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.6590% | 5,220 |
| Net charge-offs to loans | 0.0026% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -135.0807% | 4,691 |
| Efficiency ratio | 106.4478% | 266 |
| Assets per employee ($millions) | 5.6945% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 1,516 |
| Loan loss allowance to noncurrent loans | 961.7577% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 5,772 |
| Noncurrent loans to loans | 0.1950% | 5,323 |
| Net loans and leases to total assets | 48.9492% | 5,114 |
| Net loans and leases to deposits | 58.3137% | 5,080 |
| Net loans and leases to core deposits | 63.1225% | 4,955 |
| Total domestic deposits to total assets | 83.9413% | 3,791 |
| Equity capital to assets | 11.4083% | 2,571 |
| Core capital (leverage) ratio | 10.4017% | 3,153 |
| Tier 1 risk-based capital ratio | 14.4838% | 3,898 |
| Total risk-based capital ratio | 16.0909% | 3,619 |
| Memoranda: | ||
| Average total assets | $436,180,000 | 1,533 |
| Average earning assets | $397,449,000 | 1,552 |
| Average equity | $48,945,250 | 1,474 |
| Average total loans | $204,304,750 | 2,021 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9664% | 6,212 |
| Cost of funding earning assets | 0.5882% | 1,994 |
| Net interest margin | 2.3781% | 6,371 |
| Noninterest income to average assets | 0.3398% | 4,711 |
| Noninterest expense to average assets | 2.6850% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1265% | 6,274 |
| Return on assets (ROA) | 0.1372% | 6,015 |
| Pretax return on assets | 0.2264% | 5,912 |
| Return on Equity (ROE) | 1.2294% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.2294% | 5,259 |
| Net charge-offs to loans | 0.0010% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -406.0000% | 4,371 |
| Efficiency ratio | 107.4291% | 267 |
| Assets per employee ($millions) | 5.7306% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9676% | 1,421 |
| Loan loss allowance to noncurrent loans | 486.4346% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 5,555 |
| Noncurrent loans to loans | 0.4045% | 4,775 |
| Net loans and leases to total assets | 46.3551% | 5,329 |
| Net loans and leases to deposits | 55.1278% | 5,273 |
| Net loans and leases to core deposits | 59.3551% | 5,173 |
| Total domestic deposits to total assets | 84.0866% | 3,895 |
| Equity capital to assets | 11.3860% | 2,522 |
| Core capital (leverage) ratio | 10.3794% | 3,105 |
| Tier 1 risk-based capital ratio | 14.5324% | 3,909 |
| Total risk-based capital ratio | 16.1742% | 3,621 |
| Memoranda: | ||
| Average total assets | $437,313,000 | 1,531 |
| Average earning assets | $397,117,670 | 1,545 |
| Average equity | $48,802,670 | 1,467 |
| Average total loans | $200,442,330 | 2,044 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9733% | 6,267 |
| Cost of funding earning assets | 0.5989% | 1,978 |
| Net interest margin | 2.3744% | 6,433 |
| Noninterest income to average assets | 0.3076% | 4,900 |
| Noninterest expense to average assets | 2.6718% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1376% | 6,309 |
| Return on assets (ROA) | 0.0867% | 6,086 |
| Pretax return on assets | 0.1342% | 6,030 |
| Return on Equity (ROE) | 0.7850% | 6,085 |
| Retained earnings to average equity (ytd only) | 0.7850% | 5,277 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5682% | 291 |
| Assets per employee ($millions) | 5.7539% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0524% | 1,411 |
| Loan loss allowance to noncurrent loans | 382.3585% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 5,469 |
| Noncurrent loans to loans | 0.5368% | 4,562 |
| Net loans and leases to total assets | 44.2316% | 5,488 |
| Net loans and leases to deposits | 52.4007% | 5,436 |
| Net loans and leases to core deposits | 56.3658% | 5,329 |
| Total domestic deposits to total assets | 84.4103% | 4,119 |
| Equity capital to assets | 11.1177% | 2,608 |
| Core capital (leverage) ratio | 10.1335% | 3,381 |
| Tier 1 risk-based capital ratio | 14.2955% | 4,131 |
| Total risk-based capital ratio | 15.9713% | 3,826 |
| Memoranda: | ||
| Average total assets | $438,207,000 | 1,537 |
| Average earning assets | $397,397,500 | 1,550 |
| Average equity | $48,409,500 | 1,478 |
| Average total loans | $197,693,500 | 2,074 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0835% | 6,263 |
| Cost of funding earning assets | 0.6125% | 2,549 |
| Net interest margin | 2.4710% | 6,395 |
| Noninterest income to average assets | 0.4357% | 4,190 |
| Noninterest expense to average assets | 2.9459% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1818% | 6,356 |
| Return on assets (ROA) | 0.1982% | 5,895 |
| Pretax return on assets | 0.2576% | 5,834 |
| Return on Equity (ROE) | 1.7882% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.7882% | 4,958 |
| Net charge-offs to loans | 0.0082% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -63.8125% | 5,460 |
| Efficiency ratio | 108.7042% | 291 |
| Assets per employee ($millions) | 5.7779% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 1,445 |
| Loan loss allowance to noncurrent loans | 570.0422% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 5,830 |
| Noncurrent loans to loans | 0.3593% | 5,110 |
| Net loans and leases to total assets | 44.1472% | 5,662 |
| Net loans and leases to deposits | 52.2282% | 5,602 |
| Net loans and leases to core deposits | 56.0098% | 5,535 |
| Total domestic deposits to total assets | 84.5275% | 3,952 |
| Equity capital to assets | 10.9770% | 2,629 |
| Core capital (leverage) ratio | 10.1970% | 3,296 |
| Tier 1 risk-based capital ratio | 14.0431% | 4,268 |
| Total risk-based capital ratio | 15.7134% | 3,917 |
| Memoranda: | ||
| Average total assets | $432,837,200 | 1,530 |
| Average earning assets | $398,384,800 | 1,518 |
| Average equity | $47,981,400 | 1,464 |
| Average total loans | $194,918,000 | 2,050 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1142% | 6,304 |
| Cost of funding earning assets | 0.6136% | 2,702 |
| Net interest margin | 2.5006% | 6,426 |
| Noninterest income to average assets | 0.4195% | 4,374 |
| Noninterest expense to average assets | 2.9095% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1738% | 6,450 |
| Return on assets (ROA) | 0.1707% | 6,056 |
| Pretax return on assets | 0.1833% | 6,065 |
| Return on Equity (ROE) | 1.5357% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.5357% | 5,366 |
| Net charge-offs to loans | 0.0110% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -37.8176% | 5,195 |
| Efficiency ratio | 106.8703% | 316 |
| Assets per employee ($millions) | 5.4022% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 1,550 |
| Loan loss allowance to noncurrent loans | 395.0292% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 5,734 |
| Noncurrent loans to loans | 0.5260% | 4,880 |
| Net loans and leases to total assets | 44.1991% | 5,709 |
| Net loans and leases to deposits | 52.4658% | 5,675 |
| Net loans and leases to core deposits | 56.0459% | 5,620 |
| Total domestic deposits to total assets | 84.2437% | 4,088 |
| Equity capital to assets | 10.9520% | 2,806 |
| Core capital (leverage) ratio | 10.0296% | 3,639 |
| Tier 1 risk-based capital ratio | 13.6619% | 4,655 |
| Total risk-based capital ratio | 15.3687% | 4,290 |
| Memoranda: | ||
| Average total assets | $431,266,500 | 1,547 |
| Average earning assets | $397,177,000 | 1,536 |
| Average equity | $47,926,250 | 1,475 |
| Average total loans | $194,169,500 | 2,059 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1407% | 6,297 |
| Cost of funding earning assets | 0.6116% | 2,833 |
| Net interest margin | 2.5291% | 6,418 |
| Noninterest income to average assets | 0.4395% | 4,252 |
| Noninterest expense to average assets | 2.9427% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1505% | 6,454 |
| Return on assets (ROA) | 0.1935% | 6,037 |
| Pretax return on assets | 0.2167% | 6,055 |
| Return on Equity (ROE) | 1.7330% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.7330% | 5,145 |
| Net charge-offs to loans | 0.0155% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -24.4000% | 4,888 |
| Efficiency ratio | 106.1255% | 347 |
| Assets per employee ($millions) | 5.2638% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0395% | 1,766 |
| Loan loss allowance to noncurrent loans | 536.2434% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 5,975 |
| Noncurrent loans to loans | 0.3803% | 5,328 |
| Net loans and leases to total assets | 45.1132% | 5,623 |
| Net loans and leases to deposits | 53.8475% | 5,536 |
| Net loans and leases to core deposits | 56.9703% | 5,526 |
| Total domestic deposits to total assets | 83.7796% | 4,424 |
| Equity capital to assets | 10.9001% | 2,844 |
| Core capital (leverage) ratio | 10.0825% | 3,396 |
| Tier 1 risk-based capital ratio | 13.0054% | 5,140 |
| Total risk-based capital ratio | 14.7148% | 4,750 |
| Memoranda: | ||
| Average total assets | $430,963,330 | 1,546 |
| Average earning assets | $397,617,670 | 1,531 |
| Average equity | $48,124,330 | 1,479 |
| Average total loans | $193,869,000 | 2,061 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1369% | 6,367 |
| Cost of funding earning assets | 0.6149% | 2,968 |
| Net interest margin | 2.5220% | 6,483 |
| Noninterest income to average assets | 0.4198% | 4,313 |
| Noninterest expense to average assets | 2.9538% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1799% | 6,504 |
| Return on assets (ROA) | 0.3539% | 5,473 |
| Pretax return on assets | 0.4003% | 5,558 |
| Return on Equity (ROE) | 3.1318% | 5,529 |
| Retained earnings to average equity (ytd only) | 3.1318% | 4,394 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5051% | 364 |
| Assets per employee ($millions) | 5.1563% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 1,889 |
| Loan loss allowance to noncurrent loans | 536.1001% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 6,044 |
| Noncurrent loans to loans | 0.3845% | 5,449 |
| Net loans and leases to total assets | 44.6382% | 5,596 |
| Net loans and leases to deposits | 53.7197% | 5,457 |
| Net loans and leases to core deposits | 56.9977% | 5,435 |
| Total domestic deposits to total assets | 83.0947% | 4,822 |
| Equity capital to assets | 11.2977% | 2,637 |
| Core capital (leverage) ratio | 10.2949% | 3,020 |
| Tier 1 risk-based capital ratio | 12.9878% | 5,227 |
| Total risk-based capital ratio | 14.6566% | 4,890 |
| Memoranda: | ||
| Average total assets | $430,631,000 | 1,568 |
| Average earning assets | $397,468,000 | 1,539 |
| Average equity | $48,662,500 | 1,489 |
| Average total loans | $191,416,000 | 2,092 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3622% | 6,528 |
| Cost of funding earning assets | 0.6930% | 3,550 |
| Net interest margin | 2.6692% | 6,562 |
| Noninterest income to average assets | 0.5191% | 3,779 |
| Noninterest expense to average assets | 2.9881% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0144% | 6,191 |
| Return on assets (ROA) | 0.2568% | 5,816 |
| Pretax return on assets | 0.2860% | 5,844 |
| Return on Equity (ROE) | 2.3381% | 5,810 |
| Retained earnings to average equity (ytd only) | 2.3381% | 4,586 |
| Net charge-offs to loans | 0.0905% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.3952% | 5,644 |
| Efficiency ratio | 100.5145% | 544 |
| Assets per employee ($millions) | 5.1582% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1945% | 1,558 |
| Loan loss allowance to noncurrent loans | 4,902.4096% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 6,625 |
| Noncurrent loans to loans | 0.0448% | 6,394 |
| Net loans and leases to total assets | 42.3590% | 5,965 |
| Net loans and leases to deposits | 50.9781% | 5,888 |
| Net loans and leases to core deposits | 54.2324% | 5,854 |
| Total domestic deposits to total assets | 83.0926% | 4,683 |
| Equity capital to assets | 11.3028% | 2,629 |
| Core capital (leverage) ratio | 10.1412% | 3,223 |
| Tier 1 risk-based capital ratio | 13.0364% | 5,081 |
| Total risk-based capital ratio | 14.6546% | 4,773 |
| Memoranda: | ||
| Average total assets | $431,506,200 | 1,530 |
| Average earning assets | $396,676,600 | 1,520 |
| Average equity | $47,389,000 | 1,474 |
| Average total loans | $184,448,000 | 2,146 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4121% | 6,615 |
| Cost of funding earning assets | 0.7063% | 3,707 |
| Net interest margin | 2.7058% | 6,637 |
| Noninterest income to average assets | 0.5184% | 3,809 |
| Noninterest expense to average assets | 2.9827% | 3,293 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0186% | 6,254 |
| Return on assets (ROA) | 0.2294% | 6,024 |
| Pretax return on assets | 0.2504% | 6,045 |
| Return on Equity (ROE) | 2.1044% | 5,998 |
| Retained earnings to average equity (ytd only) | 2.1044% | 5,274 |
| Net charge-offs to loans | 0.1151% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.4340% | 5,108 |
| Efficiency ratio | 99.2917% | 561 |
| Assets per employee ($millions) | 5.1375% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1866% | 1,731 |
| Loan loss allowance to noncurrent loans | 1,611.4625% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 6,479 |
| Noncurrent loans to loans | 0.1357% | 6,258 |
| Net loans and leases to total assets | 42.2619% | 6,106 |
| Net loans and leases to deposits | 50.8614% | 6,050 |
| Net loans and leases to core deposits | 53.9093% | 6,056 |
| Total domestic deposits to total assets | 83.0923% | 4,608 |
| Equity capital to assets | 11.1656% | 3,076 |
| Core capital (leverage) ratio | 9.9612% | 3,594 |
| Tier 1 risk-based capital ratio | 12.2657% | 5,795 |
| Total risk-based capital ratio | 13.9132% | 5,471 |
| Memoranda: | ||
| Average total assets | $432,350,000 | 1,540 |
| Average earning assets | $397,167,250 | 1,533 |
| Average equity | $47,138,500 | 1,495 |
| Average total loans | $184,204,750 | 2,176 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4445% | 6,679 |
| Cost of funding earning assets | 0.7211% | 3,840 |
| Net interest margin | 2.7235% | 6,680 |
| Noninterest income to average assets | 0.4591% | 4,217 |
| Noninterest expense to average assets | 2.9689% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0098% | 6,331 |
| Return on assets (ROA) | 0.1932% | 6,121 |
| Pretax return on assets | 0.2145% | 6,128 |
| Return on Equity (ROE) | 1.7867% | 6,105 |
| Retained earnings to average equity (ytd only) | 1.7867% | 5,299 |
| Net charge-offs to loans | 0.1592% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.1644% | 5,153 |
| Efficiency ratio | 100.3751% | 544 |
| Assets per employee ($millions) | 5.0834% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2376% | 1,693 |
| Loan loss allowance to noncurrent loans | 335.5209% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 5,859 |
| Noncurrent loans to loans | 0.6669% | 5,169 |
| Net loans and leases to total assets | 40.8748% | 6,283 |
| Net loans and leases to deposits | 48.9014% | 6,253 |
| Net loans and leases to core deposits | 51.7702% | 6,253 |
| Total domestic deposits to total assets | 83.5862% | 4,494 |
| Equity capital to assets | 10.8053% | 3,332 |
| Core capital (leverage) ratio | 9.8738% | 3,617 |
| Tier 1 risk-based capital ratio | 11.8371% | 6,037 |
| Total risk-based capital ratio | 13.4319% | 5,787 |
| Memoranda: | ||
| Average total assets | $432,617,000 | 1,535 |
| Average earning assets | $396,920,330 | 1,534 |
| Average equity | $46,789,670 | 1,494 |
| Average total loans | $183,453,670 | 2,178 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5383% | 6,648 |
| Cost of funding earning assets | 0.7377% | 3,966 |
| Net interest margin | 2.8006% | 6,639 |
| Noninterest income to average assets | 0.4675% | 4,162 |
| Noninterest expense to average assets | 2.9437% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0835% | 6,272 |
| Return on assets (ROA) | 0.2296% | 6,034 |
| Pretax return on assets | 0.2463% | 6,091 |
| Return on Equity (ROE) | 2.1217% | 6,033 |
| Retained earnings to average equity (ytd only) | 2.1217% | 5,204 |
| Net charge-offs to loans | 0.0065% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 877 |
| Efficiency ratio | 97.0579% | 675 |
| Assets per employee ($millions) | 5.4464% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3288% | 1,629 |
| Loan loss allowance to noncurrent loans | 560.6623% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,221 |
| Noncurrent loans to loans | 0.4154% | 5,841 |
| Net loans and leases to total assets | 41.2614% | 6,248 |
| Net loans and leases to deposits | 49.5186% | 6,177 |
| Net loans and leases to core deposits | 52.5194% | 6,165 |
| Total domestic deposits to total assets | 83.3250% | 4,805 |
| Equity capital to assets | 10.9203% | 3,005 |
| Core capital (leverage) ratio | 9.8175% | 3,617 |
| Tier 1 risk-based capital ratio | 11.7653% | 6,114 |
| Total risk-based capital ratio | 13.4217% | 5,823 |
| Memoranda: | ||
| Average total assets | $430,338,500 | 1,550 |
| Average earning assets | $394,202,000 | 1,540 |
| Average equity | $46,565,500 | 1,495 |
| Average total loans | $183,788,500 | 2,188 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 6,938 |
| Cost of funding earning assets | 0.9321% | 3,854 |
| Net interest margin | 2.6552% | 6,968 |
| Noninterest income to average assets | 0.4056% | 4,572 |
| Noninterest expense to average assets | 2.8484% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1029% | 5,861 |
| Return on assets (ROA) | 0.3492% | 5,230 |
| Pretax return on assets | 0.2371% | 5,697 |
| Return on Equity (ROE) | 3.3160% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.3160% | 3,865 |
| Net charge-offs to loans | 0.0463% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -0.4762% | 6,071 |
| Efficiency ratio | 100.3243% | 659 |
| Assets per employee ($millions) | 5.1857% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2797% | 1,656 |
| Loan loss allowance to noncurrent loans | 593.2773% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 6,533 |
| Noncurrent loans to loans | 0.3843% | 5,942 |
| Net loans and leases to total assets | 42.1863% | 6,370 |
| Net loans and leases to deposits | 50.5168% | 6,323 |
| Net loans and leases to core deposits | 53.5597% | 6,331 |
| Total domestic deposits to total assets | 83.5094% | 4,535 |
| Equity capital to assets | 10.7210% | 3,285 |
| Core capital (leverage) ratio | 9.8961% | 3,466 |
| Tier 1 risk-based capital ratio | 11.5837% | 6,108 |
| Total risk-based capital ratio | 13.1019% | 5,912 |
| Memoranda: | ||
| Average total assets | $434,378,800 | 1,502 |
| Average earning assets | $398,126,200 | 1,495 |
| Average equity | $45,748,200 | 1,489 |
| Average total loans | $181,583,000 | 2,217 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 7,014 |
| Cost of funding earning assets | 0.9786% | 3,828 |
| Net interest margin | 2.6253% | 7,055 |
| Noninterest income to average assets | 0.3733% | 4,882 |
| Noninterest expense to average assets | 2.7890% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0089% | 6,168 |
| Return on assets (ROA) | 0.1721% | 5,893 |
| Pretax return on assets | 0.1743% | 5,942 |
| Return on Equity (ROE) | 1.6415% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.6415% | 5,318 |
| Net charge-offs to loans | 0.0421% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.4912% | 5,829 |
| Efficiency ratio | 100.3084% | 650 |
| Assets per employee ($millions) | 5.2942% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3715% | 1,583 |
| Loan loss allowance to noncurrent loans | 596.2238% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 6,164 |
| Noncurrent loans to loans | 0.3978% | 6,058 |
| Net loans and leases to total assets | 39.9377% | 6,635 |
| Net loans and leases to deposits | 47.4191% | 6,660 |
| Net loans and leases to core deposits | 50.1124% | 6,663 |
| Total domestic deposits to total assets | 84.2228% | 4,129 |
| Equity capital to assets | 10.3034% | 3,946 |
| Core capital (leverage) ratio | 9.4195% | 4,274 |
| Tier 1 risk-based capital ratio | 11.0921% | 6,484 |
| Total risk-based capital ratio | 12.4910% | 6,387 |
| Memoranda: | ||
| Average total assets | $435,369,750 | 1,507 |
| Average earning assets | $399,186,000 | 1,508 |
| Average equity | $45,649,000 | 1,488 |
| Average total loans | $180,525,750 | 2,259 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6491% | 7,062 |
| Cost of funding earning assets | 1.0120% | 3,875 |
| Net interest margin | 2.6371% | 7,089 |
| Noninterest income to average assets | 0.3866% | 4,783 |
| Noninterest expense to average assets | 2.8095% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0043% | 6,233 |
| Return on assets (ROA) | 0.2553% | 5,659 |
| Pretax return on assets | 0.2576% | 5,786 |
| Return on Equity (ROE) | 2.4206% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.4206% | 4,749 |
| Net charge-offs to loans | 0.0066% | 5,777 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.6667% | 5,697 |
| Efficiency ratio | 100.1643% | 715 |
| Assets per employee ($millions) | 5.3213% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3695% | 1,640 |
| Loan loss allowance to noncurrent loans | 287.9840% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 6,191 |
| Noncurrent loans to loans | 0.8228% | 5,288 |
| Net loans and leases to total assets | 40.2450% | 6,725 |
| Net loans and leases to deposits | 48.0522% | 6,722 |
| Net loans and leases to core deposits | 50.9098% | 6,717 |
| Total domestic deposits to total assets | 83.7526% | 4,446 |
| Equity capital to assets | 10.4183% | 3,621 |
| Core capital (leverage) ratio | 9.6680% | 3,706 |
| Tier 1 risk-based capital ratio | 11.1111% | 6,440 |
| Total risk-based capital ratio | 12.6147% | 6,263 |
| Memoranda: | ||
| Average total assets | $434,020,000 | 1,525 |
| Average earning assets | $398,013,330 | 1,521 |
| Average equity | $45,773,670 | 1,478 |
| Average total loans | $180,782,000 | 2,272 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 7,062 |
| Cost of funding earning assets | 1.0316% | 3,980 |
| Net interest margin | 2.6768% | 7,039 |
| Noninterest income to average assets | 0.3905% | 4,782 |
| Noninterest expense to average assets | 2.9196% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0729% | 6,430 |
| Return on assets (ROA) | 0.1832% | 5,897 |
| Pretax return on assets | 0.1860% | 5,974 |
| Return on Equity (ROE) | 1.7260% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.7260% | 5,089 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6479% | 655 |
| Assets per employee ($millions) | 5.2636% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3561% | 1,667 |
| Loan loss allowance to noncurrent loans | 394.8812% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 6,545 |
| Noncurrent loans to loans | 0.5967% | 5,834 |
| Net loans and leases to total assets | 41.4796% | 6,674 |
| Net loans and leases to deposits | 48.3746% | 6,731 |
| Net loans and leases to core deposits | 51.1377% | 6,725 |
| Total domestic deposits to total assets | 85.7467% | 3,670 |
| Equity capital to assets | 10.5986% | 3,082 |
| Core capital (leverage) ratio | 9.6964% | 3,529 |
| Tier 1 risk-based capital ratio | 11.5020% | 6,104 |
| Total risk-based capital ratio | 13.0591% | 5,848 |
| Memoranda: | ||
| Average total assets | $430,197,500 | 1,543 |
| Average earning assets | $394,346,000 | 1,542 |
| Average equity | $45,653,500 | 1,470 |
| Average total loans | $180,142,000 | 2,307 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 7,094 |
| Cost of funding earning assets | 1.1774% | 4,690 |
| Net interest margin | 2.8732% | 6,929 |
| Noninterest income to average assets | 0.4650% | 4,411 |
| Noninterest expense to average assets | 2.9296% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1392% | 5,475 |
| Return on assets (ROA) | 0.2773% | 5,177 |
| Pretax return on assets | 0.3289% | 5,152 |
| Return on Equity (ROE) | 2.7298% | 5,072 |
| Retained earnings to average equity (ytd only) | 2.7298% | 3,945 |
| Net charge-offs to loans | -0.0465% | 7,441 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6853% | 1,024 |
| Assets per employee ($millions) | 5.1046% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4416% | 1,493 |
| Loan loss allowance to noncurrent loans | 427.7228% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 6,646 |
| Noncurrent loans to loans | 0.5708% | 5,912 |
| Net loans and leases to total assets | 40.2565% | 6,947 |
| Net loans and leases to deposits | 47.0368% | 6,995 |
| Net loans and leases to core deposits | 49.6597% | 6,994 |
| Total domestic deposits to total assets | 85.5850% | 3,560 |
| Equity capital to assets | 10.6259% | 3,041 |
| Core capital (leverage) ratio | 9.4795% | 3,729 |
| Tier 1 risk-based capital ratio | 11.4679% | 5,934 |
| Total risk-based capital ratio | 13.0163% | 5,680 |
| Memoranda: | ||
| Average total assets | $442,104,400 | 1,506 |
| Average earning assets | $404,531,400 | 1,501 |
| Average equity | $44,911,200 | 1,487 |
| Average total loans | $180,484,400 | 2,350 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 7,200 |
| Cost of funding earning assets | 1.2051% | 4,846 |
| Net interest margin | 2.8971% | 7,009 |
| Noninterest income to average assets | 0.4430% | 4,616 |
| Noninterest expense to average assets | 2.9376% | 3,951 |
| Loan and lease loss provision to assets | 0.0359% | 6,722 |
| Net operating income to assets | 0.1070% | 5,756 |
| Return on assets (ROA) | 0.2218% | 5,606 |
| Pretax return on assets | 0.2487% | 5,616 |
| Return on Equity (ROE) | 2.2079% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.2079% | 4,848 |
| Net charge-offs to loans | -0.0029% | 7,183 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9681% | 944 |
| Assets per employee ($millions) | 5.0135% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4215% | 1,445 |
| Loan loss allowance to noncurrent loans | 572.9304% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 6,929 |
| Noncurrent loans to loans | 0.4227% | 6,355 |
| Net loans and leases to total assets | 39.8228% | 7,084 |
| Net loans and leases to deposits | 46.2086% | 7,167 |
| Net loans and leases to core deposits | 48.9883% | 7,159 |
| Total domestic deposits to total assets | 86.1805% | 2,986 |
| Equity capital to assets | 10.2850% | 3,788 |
| Core capital (leverage) ratio | 9.2457% | 4,284 |
| Tier 1 risk-based capital ratio | 11.8655% | 5,576 |
| Total risk-based capital ratio | 13.1167% | 5,553 |
| Memoranda: | ||
| Average total assets | $445,434,750 | 1,518 |
| Average earning assets | $407,476,500 | 1,517 |
| Average equity | $44,748,500 | 1,498 |
| Average total loans | $181,372,250 | 2,380 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 7,186 |
| Cost of funding earning assets | 1.2369% | 4,918 |
| Net interest margin | 2.9523% | 6,933 |
| Noninterest income to average assets | 0.3854% | 5,034 |
| Noninterest expense to average assets | 2.9258% | 3,976 |
| Loan and lease loss provision to assets | 0.0537% | 6,425 |
| Net operating income to assets | 0.0928% | 5,882 |
| Return on assets (ROA) | 0.2421% | 5,547 |
| Pretax return on assets | 0.2802% | 5,563 |
| Return on Equity (ROE) | 2.4293% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.4293% | 4,612 |
| Net charge-offs to loans | -0.0088% | 7,177 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8078% | 1,017 |
| Assets per employee ($millions) | 5.0073% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4459% | 1,370 |
| Loan loss allowance to noncurrent loans | 569.7128% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 6,955 |
| Noncurrent loans to loans | 0.4293% | 6,381 |
| Net loans and leases to total assets | 39.0578% | 7,217 |
| Net loans and leases to deposits | 44.8908% | 7,292 |
| Net loans and leases to core deposits | 47.7952% | 7,290 |
| Total domestic deposits to total assets | 87.0063% | 2,524 |
| Equity capital to assets | 9.9574% | 4,066 |
| Core capital (leverage) ratio | 8.9636% | 4,664 |
| Tier 1 risk-based capital ratio | 11.6193% | 5,656 |
| Total risk-based capital ratio | 12.8705% | 5,614 |
| Memoranda: | ||
| Average total assets | $446,850,670 | 1,531 |
| Average earning assets | $408,761,000 | 1,515 |
| Average equity | $44,539,330 | 1,495 |
| Average total loans | $181,812,000 | 2,407 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2213% | 7,233 |
| Cost of funding earning assets | 1.2580% | 5,074 |
| Net interest margin | 2.9633% | 6,909 |
| Noninterest income to average assets | 0.3907% | 4,996 |
| Noninterest expense to average assets | 2.9295% | 3,952 |
| Loan and lease loss provision to assets | 0.0536% | 6,128 |
| Net operating income to assets | 0.1323% | 5,916 |
| Return on assets (ROA) | 0.1412% | 6,013 |
| Pretax return on assets | 0.1287% | 6,064 |
| Return on Equity (ROE) | 1.4164% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.4164% | 5,235 |
| Net charge-offs to loans | -0.0262% | 7,149 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4108% | 1,116 |
| Assets per employee ($millions) | 5.1460% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3751% | 1,452 |
| Loan loss allowance to noncurrent loans | 812.8302% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 7,181 |
| Noncurrent loans to loans | 0.2922% | 6,741 |
| Net loans and leases to total assets | 39.5517% | 7,277 |
| Net loans and leases to deposits | 45.4483% | 7,350 |
| Net loans and leases to core deposits | 47.9921% | 7,362 |
| Total domestic deposits to total assets | 87.0256% | 2,620 |
| Equity capital to assets | 10.0162% | 3,851 |
| Core capital (leverage) ratio | 9.1107% | 4,355 |
| Tier 1 risk-based capital ratio | 11.5977% | 5,579 |
| Total risk-based capital ratio | 12.8512% | 5,547 |
| Memoranda: | ||
| Average total assets | $447,452,500 | 1,566 |
| Average earning assets | $409,542,500 | 1,552 |
| Average equity | $44,621,500 | 1,506 |
| Average total loans | $183,506,000 | 2,446 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 6,818 |
| Cost of funding earning assets | 1.6686% | 4,680 |
| Net interest margin | 3.1894% | 6,130 |
| Noninterest income to average assets | 0.4730% | 4,631 |
| Noninterest expense to average assets | 2.9098% | 4,503 |
| Loan and lease loss provision to assets | 0.0538% | 7,026 |
| Net operating income to assets | 0.3800% | 4,205 |
| Return on assets (ROA) | -0.7946% | 6,429 |
| Pretax return on assets | -1.4035% | 6,648 |
| Return on Equity (ROE) | -8.1516% | 6,480 |
| Retained earnings to average equity (ytd only) | -8.1516% | 6,358 |
| Net charge-offs to loans | 0.0307% | 6,819 |
| Credit loss provision to net charge-offs | 421.0526% | 748 |
| Earnings coverage of net charge-offs (x) | 38.0175% | 625 |
| Efficiency ratio | 85.6945% | 2,147 |
| Assets per employee ($millions) | 5.2000% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2820% | 1,511 |
| Loan loss allowance to noncurrent loans | 794.7467% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 7,188 |
| Noncurrent loans to loans | 0.2871% | 6,708 |
| Net loans and leases to total assets | 40.5620% | 7,321 |
| Net loans and leases to deposits | 46.6137% | 7,415 |
| Net loans and leases to core deposits | 56.2218% | 7,396 |
| Total domestic deposits to total assets | 87.0173% | 2,497 |
| Equity capital to assets | 9.9284% | 3,864 |
| Core capital (leverage) ratio | 8.9095% | 4,577 |
| Tier 1 risk-based capital ratio | 11.4120% | 5,493 |
| Total risk-based capital ratio | 12.6626% | 5,457 |
| Memoranda: | ||
| Average total assets | $446,112,400 | 1,553 |
| Average earning assets | $408,791,600 | 1,549 |
| Average equity | $43,488,600 | 1,543 |
| Average total loans | $185,681,400 | 2,447 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 6,714 |
| Cost of funding earning assets | 1.7640% | 4,566 |
| Net interest margin | 3.2018% | 6,017 |
| Noninterest income to average assets | 0.4590% | 4,829 |
| Noninterest expense to average assets | 2.9708% | 4,162 |
| Loan and lease loss provision to assets | 0.0538% | 6,840 |
| Net operating income to assets | 0.3891% | 4,440 |
| Return on assets (ROA) | -0.9740% | 6,818 |
| Pretax return on assets | -1.7599% | 7,073 |
| Return on Equity (ROE) | -10.0381% | 6,902 |
| Retained earnings to average equity (ytd only) | -10.0381% | 6,813 |
| Net charge-offs to loans | 0.0388% | 6,369 |
| Credit loss provision to net charge-offs | 333.3333% | 1,233 |
| Earnings coverage of net charge-offs (x) | 26.2401% | 1,026 |
| Efficiency ratio | 87.5165% | 1,915 |
| Assets per employee ($millions) | 5.3163% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 1,412 |
| Loan loss allowance to noncurrent loans | 773.8889% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 7,246 |
| Noncurrent loans to loans | 0.2848% | 6,800 |
| Net loans and leases to total assets | 41.0396% | 7,410 |
| Net loans and leases to deposits | 47.1239% | 7,537 |
| Net loans and leases to core deposits | 57.5915% | 7,486 |
| Total domestic deposits to total assets | 87.0887% | 2,135 |
| Equity capital to assets | 9.6614% | 4,545 |
| Core capital (leverage) ratio | 9.4992% | 3,909 |
| Tier 1 risk-based capital ratio | 12.0900% | 4,887 |
| Total risk-based capital ratio | 13.3400% | 4,834 |
| Memoranda: | ||
| Average total assets | $445,840,000 | 1,567 |
| Average earning assets | $408,757,250 | 1,565 |
| Average equity | $43,260,750 | 1,567 |
| Average total loans | $185,694,250 | 2,480 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 6,699 |
| Cost of funding earning assets | 1.8491% | 4,517 |
| Net interest margin | 3.1723% | 6,010 |
| Noninterest income to average assets | 0.4583% | 4,797 |
| Noninterest expense to average assets | 3.0160% | 4,021 |
| Loan and lease loss provision to assets | 0.0541% | 6,682 |
| Net operating income to assets | 0.3952% | 4,533 |
| Return on assets (ROA) | 0.2442% | 5,202 |
| Pretax return on assets | 0.1510% | 5,564 |
| Return on Equity (ROE) | 2.5134% | 5,095 |
| Retained earnings to average equity (ytd only) | 2.5134% | 3,932 |
| Net charge-offs to loans | 0.0597% | 5,663 |
| Credit loss provision to net charge-offs | 218.1818% | 2,107 |
| Earnings coverage of net charge-offs (x) | 14.3636% | 1,658 |
| Efficiency ratio | 89.4427% | 1,865 |
| Assets per employee ($millions) | 5.1720% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2304% | 1,191 |
| Loan loss allowance to noncurrent loans | 1,752.3404% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 7,474 |
| Noncurrent loans to loans | 0.1273% | 7,196 |
| Net loans and leases to total assets | 39.6604% | 7,568 |
| Net loans and leases to deposits | 45.6434% | 7,649 |
| Net loans and leases to core deposits | 56.6045% | 7,571 |
| Total domestic deposits to total assets | 86.8919% | 2,309 |
| Equity capital to assets | 9.5022% | 4,610 |
| Core capital (leverage) ratio | 10.2655% | 3,026 |
| Tier 1 risk-based capital ratio | 11.8886% | 5,010 |
| Total risk-based capital ratio | 13.0275% | 5,041 |
| Memoranda: | ||
| Average total assets | $443,825,670 | 1,595 |
| Average earning assets | $407,657,330 | 1,594 |
| Average equity | $43,128,330 | 1,579 |
| Average total loans | $184,382,330 | 2,518 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 6,693 |
| Cost of funding earning assets | 1.9245% | 4,514 |
| Net interest margin | 3.1594% | 5,989 |
| Noninterest income to average assets | 0.4738% | 4,558 |
| Noninterest expense to average assets | 3.1157% | 3,318 |
| Loan and lease loss provision to assets | 0.0548% | 6,278 |
| Net operating income to assets | 0.1999% | 5,656 |
| Return on assets (ROA) | 0.5286% | 4,486 |
| Pretax return on assets | 0.5486% | 4,920 |
| Return on Equity (ROE) | 5.3775% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.3775% | 2,922 |
| Net charge-offs to loans | 0.1237% | 3,979 |
| Credit loss provision to net charge-offs | 105.2632% | 3,601 |
| Earnings coverage of net charge-offs (x) | 5.0175% | 2,768 |
| Efficiency ratio | 92.2682% | 1,549 |
| Assets per employee ($millions) | 4.9013% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2189% | 1,060 |
| Loan loss allowance to noncurrent loans | 1,718.6441% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 7,441 |
| Noncurrent loans to loans | 0.1291% | 7,149 |
| Net loans and leases to total assets | 40.0737% | 7,563 |
| Net loans and leases to deposits | 46.1930% | 7,655 |
| Net loans and leases to core deposits | 57.7024% | 7,538 |
| Total domestic deposits to total assets | 86.7527% | 2,335 |
| Equity capital to assets | 9.5981% | 4,528 |
| Core capital (leverage) ratio | 10.0657% | 3,328 |
| Tier 1 risk-based capital ratio | 12.1916% | 4,795 |
| Total risk-based capital ratio | 13.4286% | 4,702 |
| Memoranda: | ||
| Average total assets | $438,169,000 | 1,622 |
| Average earning assets | $402,607,000 | 1,622 |
| Average equity | $43,068,500 | 1,586 |
| Average total loans | $184,259,500 | 2,542 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 7,457 |
| Cost of funding earning assets | 2.1671% | 5,743 |
| Net interest margin | 3.2325% | 6,265 |
| Noninterest income to average assets | 0.3734% | 5,708 |
| Noninterest expense to average assets | 2.6897% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5931% | 4,328 |
| Return on assets (ROA) | -1.9499% | 7,553 |
| Pretax return on assets | -2.2805% | 7,528 |
| Return on Equity (ROE) | -17.0583% | 7,667 |
| Retained earnings to average equity (ytd only) | -17.0583% | 7,569 |
| Net charge-offs to loans | 0.0800% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 20.0268% | 1,596 |
| Efficiency ratio | 79.9030% | 2,612 |
| Assets per employee ($millions) | 4.7288% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3922% | 770 |
| Loan loss allowance to noncurrent loans | 947.3348% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 7,139 |
| Noncurrent loans to loans | 0.2525% | 6,626 |
| Net loans and leases to total assets | 42.1278% | 7,579 |
| Net loans and leases to deposits | 48.5935% | 7,685 |
| Net loans and leases to core deposits | 60.4947% | 7,562 |
| Total domestic deposits to total assets | 86.6941% | 2,097 |
| Equity capital to assets | 10.0687% | 3,954 |
| Core capital (leverage) ratio | 10.3049% | 3,171 |
| Tier 1 risk-based capital ratio | 13.5973% | 3,763 |
| Total risk-based capital ratio | 14.8495% | 3,670 |
| Memoranda: | ||
| Average total assets | $441,090,400 | 1,554 |
| Average earning assets | $408,388,400 | 1,533 |
| Average equity | $50,421,200 | 1,340 |
| Average total loans | $186,201,000 | 2,440 |