Home > Eagle Bank and Trust Company > Performance and Condition Ratios
Eagle Bank and Trust Company, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 3,486 |
| Cost of funding earning assets | 1.6354% | 3,096 |
| Net interest margin | 3.1316% | 2,877 |
| Noninterest income to average assets | 3.4500% | 173 |
| Noninterest expense to average assets | 5.6015% | 192 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.6202% | 3,187 |
| Return on assets (ROA) | 0.6202% | 3,203 |
| Pretax return on assets | 0.6863% | 3,283 |
| Return on Equity (ROE) | 5.0500% | 3,505 |
| Retained earnings to average equity (ytd only) | 3.9777% | 2,639 |
| Net charge-offs to loans | 0.0231% | 2,122 |
| Credit loss provision to net charge-offs | 755.8140% | 468 |
| Earnings coverage of net charge-offs (x) | 83.7674% | 907 |
| Efficiency ratio | 88.1306% | 583 |
| Assets per employee ($millions) | 2.8793% | 4,303 |
| Cash dividends to net income (ytd only)* | 21.2428% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,117 |
| Loan loss allowance to noncurrent loans | 202.0888% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 2,294 |
| Noncurrent loans to loans | 0.5979% | 1,604 |
| Net loans and leases to total assets | 39.4800% | 4,024 |
| Net loans and leases to deposits | 45.3430% | 4,042 |
| Net loans and leases to core deposits | 49.2819% | 4,031 |
| Total domestic deposits to total assets | 87.0800% | 1,841 |
| Equity capital to assets | 11.9167% | 1,212 |
| Core capital (leverage) ratio | 15.6952% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $477,463,000 | 1,818 |
| Average earning assets | $442,835,600 | 1,812 |
| Average equity | $58,626,400 | 1,519 |
| Average total loans | $186,064,600 | 2,474 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 3,534 |
| Cost of funding earning assets | 1.6247% | 3,119 |
| Net interest margin | 3.0825% | 2,941 |
| Noninterest income to average assets | 3.4500% | 164 |
| Noninterest expense to average assets | 5.5104% | 188 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.7002% | 2,982 |
| Return on assets (ROA) | 0.7002% | 3,009 |
| Pretax return on assets | 0.7119% | 3,237 |
| Return on Equity (ROE) | 5.6600% | 3,389 |
| Retained earnings to average equity (ytd only) | 5.6604% | 2,219 |
| Net charge-offs to loans | 0.0267% | 1,790 |
| Credit loss provision to net charge-offs | 878.3784% | 434 |
| Earnings coverage of net charge-offs (x) | 77.5676% | 947 |
| Efficiency ratio | 87.2829% | 650 |
| Assets per employee ($millions) | 2.8549% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,379 |
| Loan loss allowance to noncurrent loans | 292.5065% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,647 |
| Noncurrent loans to loans | 0.3997% | 2,081 |
| Net loans and leases to total assets | 39.9000% | 4,027 |
| Net loans and leases to deposits | 46.4076% | 4,054 |
| Net loans and leases to core deposits | 50.5865% | 4,029 |
| Total domestic deposits to total assets | 85.9800% | 1,944 |
| Equity capital to assets | 13.2233% | 907 |
| Core capital (leverage) ratio | 16.0176% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $476,616,750 | 1,819 |
| Average earning assets | $442,006,250 | 1,813 |
| Average equity | $58,957,750 | 1,508 |
| Average total loans | $184,535,000 | 2,477 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 3,567 |
| Cost of funding earning assets | 1.5878% | 3,108 |
| Net interest margin | 3.0557% | 2,947 |
| Noninterest income to average assets | 3.4000% | 167 |
| Noninterest expense to average assets | 5.3447% | 202 |
| Loan and lease loss provision to assets | 0.1400% | 838 |
| Net operating income to assets | 0.7481% | 2,793 |
| Return on assets (ROA) | 0.7481% | 2,806 |
| Pretax return on assets | 0.7540% | 3,109 |
| Return on Equity (ROE) | 6.1900% | 3,224 |
| Retained earnings to average equity (ytd only) | 6.1911% | 1,937 |
| Net charge-offs to loans | 0.0242% | 1,669 |
| Credit loss provision to net charge-offs | 1,477.2727% | 303 |
| Earnings coverage of net charge-offs (x) | 96.2727% | 787 |
| Efficiency ratio | 85.7162% | 759 |
| Assets per employee ($millions) | 2.8677% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,232 |
| Loan loss allowance to noncurrent loans | 291.9294% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,540 |
| Noncurrent loans to loans | 0.4117% | 1,961 |
| Net loans and leases to total assets | 39.5000% | 4,052 |
| Net loans and leases to deposits | 45.2741% | 4,070 |
| Net loans and leases to core deposits | 49.2598% | 4,063 |
| Total domestic deposits to total assets | 87.2600% | 1,552 |
| Equity capital to assets | 12.0522% | 1,152 |
| Core capital (leverage) ratio | 15.9155% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $475,612,000 | 1,819 |
| Average earning assets | $440,617,667 | 1,815 |
| Average equity | $57,469,333 | 1,521 |
| Average total loans | $181,496,000 | 2,492 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 3,636 |
| Cost of funding earning assets | 1.5721% | 3,035 |
| Net interest margin | 2.9541% | 3,082 |
| Noninterest income to average assets | 3.1500% | 166 |
| Noninterest expense to average assets | 4.9098% | 240 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.7898% | 2,575 |
| Return on assets (ROA) | 0.7898% | 2,590 |
| Pretax return on assets | 0.7051% | 3,144 |
| Return on Equity (ROE) | 6.5300% | 3,071 |
| Retained earnings to average equity (ytd only) | 6.5277% | 1,962 |
| Net charge-offs to loans | 0.0136% | 1,603 |
| Credit loss provision to net charge-offs | 5,416.6667% | 75 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 429 |
| Efficiency ratio | 83.3573% | 957 |
| Assets per employee ($millions) | 2.9814% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,603 |
| Loan loss allowance to noncurrent loans | 306.9221% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 2,478 |
| Noncurrent loans to loans | 0.4372% | 1,831 |
| Net loans and leases to total assets | 38.5200% | 4,074 |
| Net loans and leases to deposits | 44.0788% | 4,089 |
| Net loans and leases to core deposits | 47.3544% | 4,134 |
| Total domestic deposits to total assets | 87.3800% | 1,640 |
| Equity capital to assets | 11.8980% | 1,157 |
| Core capital (leverage) ratio | 15.9952% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $472,527,500 | 1,833 |
| Average earning assets | $437,624,000 | 1,829 |
| Average equity | $57,171,500 | 1,511 |
| Average total loans | $175,925,000 | 2,533 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2218% | 3,584 |
| Cost of funding earning assets | 1.2456% | 2,667 |
| Net interest margin | 2.9762% | 3,339 |
| Noninterest income to average assets | 3.0900% | 178 |
| Noninterest expense to average assets | 5.5221% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3433% | 3,966 |
| Return on assets (ROA) | 0.3433% | 3,963 |
| Pretax return on assets | 0.3103% | 4,084 |
| Return on Equity (ROE) | 2.8700% | 4,045 |
| Retained earnings to average equity (ytd only) | 2.0714% | 3,565 |
| Net charge-offs to loans | -0.0109% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.6792% | 288 |
| Assets per employee ($millions) | 2.9439% | 4,390 |
| Cash dividends to net income (ytd only)* | 27.9523% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 1,806 |
| Loan loss allowance to noncurrent loans | 260.7013% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 1,633 |
| Noncurrent loans to loans | 0.4958% | 1,546 |
| Net loans and leases to total assets | 34.9500% | 4,188 |
| Net loans and leases to deposits | 40.1516% | 4,200 |
| Net loans and leases to core deposits | 42.8824% | 4,228 |
| Total domestic deposits to total assets | 87.0500% | 1,659 |
| Equity capital to assets | 12.3014% | 1,036 |
| Core capital (leverage) ratio | 16.3469% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $463,703,800 | 1,814 |
| Average earning assets | $426,858,200 | 1,818 |
| Average equity | $55,374,000 | 1,481 |
| Average total loans | $155,359,200 | 2,632 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 3,518 |
| Cost of funding earning assets | 1.1842% | 2,478 |
| Net interest margin | 2.9887% | 3,357 |
| Noninterest income to average assets | 3.2300% | 186 |
| Noninterest expense to average assets | 5.6767% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3773% | 4,001 |
| Return on assets (ROA) | 0.3773% | 4,005 |
| Pretax return on assets | 0.2953% | 4,172 |
| Return on Equity (ROE) | 3.1800% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.1839% | 3,467 |
| Net charge-offs to loans | -0.0245% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.0551% | 248 |
| Assets per employee ($millions) | 2.7001% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 1,714 |
| Loan loss allowance to noncurrent loans | 318.5612% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 1,287 |
| Noncurrent loans to loans | 0.4193% | 1,782 |
| Net loans and leases to total assets | 36.2600% | 4,174 |
| Net loans and leases to deposits | 41.2606% | 4,178 |
| Net loans and leases to core deposits | 43.8146% | 4,176 |
| Total domestic deposits to total assets | 87.8900% | 1,613 |
| Equity capital to assets | 11.4524% | 1,200 |
| Core capital (leverage) ratio | 16.1828% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $461,875,000 | 1,820 |
| Average earning assets | $424,481,000 | 1,826 |
| Average equity | $54,732,000 | 1,484 |
| Average total loans | $152,501,250 | 2,661 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0341% | 3,618 |
| Cost of funding earning assets | 1.0825% | 2,346 |
| Net interest margin | 2.9515% | 3,558 |
| Noninterest income to average assets | 3.1500% | 172 |
| Noninterest expense to average assets | 5.6744% | 184 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.2612% | 4,215 |
| Return on assets (ROA) | 0.2612% | 4,237 |
| Pretax return on assets | 0.1289% | 4,374 |
| Return on Equity (ROE) | 2.1800% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.1807% | 3,677 |
| Net charge-offs to loans | -0.0473% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.7052% | 211 |
| Assets per employee ($millions) | 2.7761% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 1,534 |
| Loan loss allowance to noncurrent loans | 1,426.5432% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 1,173 |
| Noncurrent loans to loans | 0.0981% | 3,003 |
| Net loans and leases to total assets | 35.3300% | 4,200 |
| Net loans and leases to deposits | 40.4439% | 4,204 |
| Net loans and leases to core deposits | 41.9025% | 4,216 |
| Total domestic deposits to total assets | 87.3400% | 1,821 |
| Equity capital to assets | 12.0423% | 1,035 |
| Core capital (leverage) ratio | 16.0701% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $465,527,667 | 1,808 |
| Average earning assets | $428,251,333 | 1,814 |
| Average equity | $55,762,333 | 1,462 |
| Average total loans | $148,089,000 | 2,694 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 3,752 |
| Cost of funding earning assets | 0.9655% | 2,166 |
| Net interest margin | 2.8975% | 3,796 |
| Noninterest income to average assets | 3.0100% | 170 |
| Noninterest expense to average assets | 5.4818% | 203 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 0.4164% | 4,064 |
| Return on assets (ROA) | 0.4164% | 4,006 |
| Pretax return on assets | 0.2497% | 4,293 |
| Return on Equity (ROE) | 3.4900% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.4850% | 3,395 |
| Net charge-offs to loans | -0.1261% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.6385% | 212 |
| Assets per employee ($millions) | 2.5794% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 871 |
| Loan loss allowance to noncurrent loans | 403.5775% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 942 |
| Noncurrent loans to loans | 0.4146% | 1,687 |
| Net loans and leases to total assets | 30.1500% | 4,364 |
| Net loans and leases to deposits | 34.7078% | 4,358 |
| Net loans and leases to core deposits | 35.9914% | 4,367 |
| Total domestic deposits to total assets | 86.8600% | 2,316 |
| Equity capital to assets | 12.5266% | 865 |
| Core capital (leverage) ratio | 15.8306% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $467,802,500 | 1,827 |
| Average earning assets | $430,439,000 | 1,834 |
| Average equity | $55,896,000 | 1,471 |
| Average total loans | $139,581,500 | 2,804 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 3,005 |
| Cost of funding earning assets | 0.3993% | 2,115 |
| Net interest margin | 3.1291% | 3,088 |
| Noninterest income to average assets | 4.8200% | 133 |
| Noninterest expense to average assets | 6.9060% | 149 |
| Loan and lease loss provision to assets | -0.2100% | 4,637 |
| Net operating income to assets | 0.8651% | 3,097 |
| Return on assets (ROA) | 0.8745% | 3,003 |
| Pretax return on assets | 1.0249% | 3,002 |
| Return on Equity (ROE) | 6.9600% | 3,649 |
| Retained earnings to average equity (ytd only) | 5.4834% | 2,837 |
| Net charge-offs to loans | 0.0596% | 1,055 |
| Credit loss provision to net charge-offs | -1,052.6316% | 4,668 |
| Earnings coverage of net charge-offs (x) | 40.7053% | 1,496 |
| Efficiency ratio | 89.5543% | 314 |
| Assets per employee ($millions) | 2.6181% | 4,574 |
| Cash dividends to net income (ytd only)* | 21.2244% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 567 |
| Loan loss allowance to noncurrent loans | 537.5783% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 992 |
| Noncurrent loans to loans | 0.3481% | 1,897 |
| Net loans and leases to total assets | 28.4900% | 4,420 |
| Net loans and leases to deposits | 32.3617% | 4,428 |
| Net loans and leases to core deposits | 33.3184% | 4,431 |
| Total domestic deposits to total assets | 88.0400% | 2,063 |
| Equity capital to assets | 11.3855% | 1,118 |
| Core capital (leverage) ratio | 15.7927% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $480,060,000 | 1,770 |
| Average earning assets | $444,055,000 | 1,774 |
| Average equity | $60,309,200 | 1,394 |
| Average total loans | $159,307,800 | 2,541 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4640% | 2,737 |
| Cost of funding earning assets | 0.3134% | 2,026 |
| Net interest margin | 3.1506% | 2,775 |
| Noninterest income to average assets | 5.3300% | 132 |
| Noninterest expense to average assets | 7.2248% | 139 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8925% | 2,896 |
| Return on assets (ROA) | 0.9053% | 2,824 |
| Pretax return on assets | 1.0412% | 2,899 |
| Return on Equity (ROE) | 7.0400% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.0437% | 2,346 |
| Net charge-offs to loans | 0.0243% | 1,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 123.6000% | 832 |
| Efficiency ratio | 87.5591% | 399 |
| Assets per employee ($millions) | 2.4909% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5016% | 232 |
| Loan loss allowance to noncurrent loans | 885.6448% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6022% | 886 |
| Noncurrent loans to loans | 0.2825% | 2,243 |
| Net loans and leases to total assets | 30.3000% | 4,414 |
| Net loans and leases to deposits | 34.4095% | 4,409 |
| Net loans and leases to core deposits | 35.6405% | 4,410 |
| Total domestic deposits to total assets | 88.0400% | 2,423 |
| Equity capital to assets | 11.3747% | 1,048 |
| Core capital (leverage) ratio | 15.2884% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $481,604,000 | 1,780 |
| Average earning assets | $446,249,250 | 1,780 |
| Average equity | $61,898,000 | 1,383 |
| Average total loans | $164,736,500 | 2,499 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3514% | 2,568 |
| Cost of funding earning assets | 0.2763% | 1,944 |
| Net interest margin | 3.0751% | 2,626 |
| Noninterest income to average assets | 5.3581% | 92 |
| Noninterest expense to average assets | 7.4237% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6186% | 3,574 |
| Return on assets (ROA) | 0.6359% | 3,474 |
| Pretax return on assets | 0.8149% | 3,281 |
| Return on Equity (ROE) | 4.7765% | 3,860 |
| Retained earnings to average equity (ytd only) | 4.7765% | 2,790 |
| Net charge-offs to loans | 0.0234% | 1,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 96.3500% | 836 |
| Efficiency ratio | 90.3481% | 388 |
| Assets per employee ($millions) | 2.4486% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2751% | 341 |
| Loan loss allowance to noncurrent loans | 324.4444% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 362 |
| Noncurrent loans to loans | 0.7012% | 1,230 |
| Net loans and leases to total assets | 32.8354% | 4,374 |
| Net loans and leases to deposits | 37.5590% | 4,353 |
| Net loans and leases to core deposits | 39.6023% | 4,332 |
| Total domestic deposits to total assets | 87.4235% | 2,791 |
| Equity capital to assets | 12.1013% | 842 |
| Core capital (leverage) ratio | 14.8262% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,959,667 | 1,777 |
| Average earning assets | $451,753,000 | 1,779 |
| Average equity | $64,691,333 | 1,364 |
| Average total loans | $171,031,333 | 2,453 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 2,837 |
| Cost of funding earning assets | 0.2614% | 2,028 |
| Net interest margin | 2.8855% | 2,890 |
| Noninterest income to average assets | 5.6353% | 92 |
| Noninterest expense to average assets | 7.5537% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5795% | 3,471 |
| Return on assets (ROA) | 0.6136% | 3,336 |
| Pretax return on assets | 0.8184% | 3,053 |
| Return on Equity (ROE) | 4.4140% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.4140% | 2,799 |
| Net charge-offs to loans | 0.0181% | 1,168 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 118.7500% | 615 |
| Efficiency ratio | 90.6927% | 515 |
| Assets per employee ($millions) | 2.3326% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 458 |
| Loan loss allowance to noncurrent loans | 339.7032% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 383 |
| Noncurrent loans to loans | 0.6393% | 1,473 |
| Net loans and leases to total assets | 34.4967% | 4,289 |
| Net loans and leases to deposits | 40.1343% | 4,242 |
| Net loans and leases to core deposits | 42.1350% | 4,233 |
| Total domestic deposits to total assets | 85.9532% | 3,272 |
| Equity capital to assets | 13.4653% | 612 |
| Core capital (leverage) ratio | 14.4003% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $490,200,000 | 1,767 |
| Average earning assets | $457,597,000 | 1,762 |
| Average equity | $68,146,500 | 1,358 |
| Average total loans | $176,331,000 | 2,405 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5304% | 2,577 |
| Cost of funding earning assets | 0.3342% | 2,074 |
| Net interest margin | 3.1962% | 2,605 |
| Noninterest income to average assets | 8.8648% | 72 |
| Noninterest expense to average assets | 9.4625% | 78 |
| Loan and lease loss provision to assets | 0.0191% | 2,689 |
| Net operating income to assets | 1.8946% | 415 |
| Return on assets (ROA) | 1.9104% | 421 |
| Pretax return on assets | 2.3847% | 306 |
| Return on Equity (ROE) | 13.0346% | 1,457 |
| Retained earnings to average equity (ytd only) | 10.4854% | 808 |
| Net charge-offs to loans | 0.0410% | 1,443 |
| Credit loss provision to net charge-offs | 112.3457% | 1,697 |
| Earnings coverage of net charge-offs (x) | 140.3827% | 703 |
| Efficiency ratio | 79.8758% | 812 |
| Assets per employee ($millions) | 2.4145% | 4,746 |
| Cash dividends to net income (ytd only)* | 19.5566% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 612 |
| Loan loss allowance to noncurrent loans | 365.1741% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 479 |
| Noncurrent loans to loans | 0.5461% | 1,758 |
| Net loans and leases to total assets | 35.9153% | 4,289 |
| Net loans and leases to deposits | 42.2462% | 4,265 |
| Net loans and leases to core deposits | 44.2281% | 4,258 |
| Total domestic deposits to total assets | 85.0141% | 3,266 |
| Equity capital to assets | 14.3174% | 608 |
| Core capital (leverage) ratio | 14.3406% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,964,600 | 1,752 |
| Average earning assets | $444,962,400 | 1,749 |
| Average equity | $69,906,400 | 1,348 |
| Average total loans | $197,592,200 | 2,245 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5968% | 2,569 |
| Cost of funding earning assets | 0.3618% | 2,003 |
| Net interest margin | 3.2351% | 2,625 |
| Noninterest income to average assets | 9.3867% | 70 |
| Noninterest expense to average assets | 9.8159% | 73 |
| Loan and lease loss provision to assets | 0.0257% | 2,483 |
| Net operating income to assets | 1.9877% | 476 |
| Return on assets (ROA) | 2.0088% | 478 |
| Pretax return on assets | 2.5836% | 289 |
| Return on Equity (ROE) | 13.6217% | 1,507 |
| Retained earnings to average equity (ytd only) | 13.6217% | 551 |
| Net charge-offs to loans | 0.0650% | 994 |
| Credit loss provision to net charge-offs | 92.8571% | 1,647 |
| Earnings coverage of net charge-offs (x) | 93.0306% | 907 |
| Efficiency ratio | 79.1692% | 798 |
| Assets per employee ($millions) | 2.2789% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 706 |
| Loan loss allowance to noncurrent loans | 322.4184% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 516 |
| Noncurrent loans to loans | 0.6039% | 1,798 |
| Net loans and leases to total assets | 38.2565% | 4,287 |
| Net loans and leases to deposits | 46.0340% | 4,226 |
| Net loans and leases to core deposits | 48.2354% | 4,226 |
| Total domestic deposits to total assets | 83.1047% | 3,679 |
| Equity capital to assets | 15.0720% | 529 |
| Core capital (leverage) ratio | 14.4362% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $470,654,000 | 1,790 |
| Average earning assets | $438,188,250 | 1,793 |
| Average equity | $69,407,250 | 1,373 |
| Average total loans | $200,980,500 | 2,266 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 2,631 |
| Cost of funding earning assets | 0.3950% | 1,927 |
| Net interest margin | 3.2010% | 2,755 |
| Noninterest income to average assets | 9.5613% | 70 |
| Noninterest expense to average assets | 10.0415% | 68 |
| Loan and lease loss provision to assets | 0.0261% | 2,451 |
| Net operating income to assets | 1.8798% | 615 |
| Return on assets (ROA) | 1.8825% | 639 |
| Pretax return on assets | 2.4766% | 367 |
| Return on Equity (ROE) | 12.8623% | 1,765 |
| Retained earnings to average equity (ytd only) | 12.8623% | 747 |
| Net charge-offs to loans | 0.0789% | 879 |
| Credit loss provision to net charge-offs | 75.3086% | 1,501 |
| Earnings coverage of net charge-offs (x) | 72.0864% | 889 |
| Efficiency ratio | 80.0710% | 773 |
| Assets per employee ($millions) | 2.2793% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8401% | 826 |
| Loan loss allowance to noncurrent loans | 313.2530% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 1.1968% | 573 |
| Noncurrent loans to loans | 0.5874% | 1,932 |
| Net loans and leases to total assets | 40.7612% | 4,253 |
| Net loans and leases to deposits | 49.3301% | 4,146 |
| Net loans and leases to core deposits | 51.6221% | 4,151 |
| Total domestic deposits to total assets | 82.6296% | 3,785 |
| Equity capital to assets | 14.7680% | 569 |
| Core capital (leverage) ratio | 14.0295% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $467,259,000 | 1,795 |
| Average earning assets | $434,924,000 | 1,796 |
| Average equity | $68,385,667 | 1,378 |
| Average total loans | $205,439,000 | 2,238 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 2,710 |
| Cost of funding earning assets | 0.4285% | 1,870 |
| Net interest margin | 3.1503% | 2,844 |
| Noninterest income to average assets | 10.8216% | 68 |
| Noninterest expense to average assets | 10.8735% | 61 |
| Loan and lease loss provision to assets | 0.0285% | 2,413 |
| Net operating income to assets | 2.2143% | 405 |
| Return on assets (ROA) | 2.2191% | 438 |
| Pretax return on assets | 2.8554% | 280 |
| Return on Equity (ROE) | 15.2336% | 1,161 |
| Retained earnings to average equity (ytd only) | 15.2336% | 601 |
| Net charge-offs to loans | 0.1548% | 507 |
| Credit loss provision to net charge-offs | 40.7407% | 1,350 |
| Earnings coverage of net charge-offs (x) | 41.0988% | 974 |
| Efficiency ratio | 79.0721% | 887 |
| Assets per employee ($millions) | 2.2453% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 811 |
| Loan loss allowance to noncurrent loans | 365.9574% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 778 |
| Noncurrent loans to loans | 0.5031% | 2,347 |
| Net loans and leases to total assets | 41.2343% | 4,280 |
| Net loans and leases to deposits | 49.7621% | 4,172 |
| Net loans and leases to core deposits | 51.9188% | 4,201 |
| Total domestic deposits to total assets | 82.8627% | 3,720 |
| Equity capital to assets | 14.5147% | 565 |
| Core capital (leverage) ratio | 14.2964% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $462,705,000 | 1,799 |
| Average earning assets | $430,308,000 | 1,805 |
| Average equity | $67,403,500 | 1,390 |
| Average total loans | $209,252,000 | 2,218 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 1,301 |
| Cost of funding earning assets | 0.6044% | 2,271 |
| Net interest margin | 3.9005% | 1,209 |
| Noninterest income to average assets | 9.7541% | 70 |
| Noninterest expense to average assets | 10.4111% | 72 |
| Loan and lease loss provision to assets | 0.3204% | 1,151 |
| Net operating income to assets | 2.0532% | 238 |
| Return on assets (ROA) | 2.0617% | 251 |
| Pretax return on assets | 2.6273% | 166 |
| Return on Equity (ROE) | 14.4108% | 733 |
| Retained earnings to average equity (ytd only) | 13.6803% | 204 |
| Net charge-offs to loans | 0.3253% | 545 |
| Credit loss provision to net charge-offs | 180.1849% | 2,262 |
| Earnings coverage of net charge-offs (x) | 16.5178% | 2,125 |
| Efficiency ratio | 77.9975% | 1,032 |
| Assets per employee ($millions) | 2.2252% | 4,909 |
| Cash dividends to net income (ytd only)* | 5.0695% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 1,173 |
| Loan loss allowance to noncurrent loans | 343.3396% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 1.1815% | 745 |
| Noncurrent loans to loans | 0.4795% | 2,529 |
| Net loans and leases to total assets | 47.7016% | 3,996 |
| Net loans and leases to deposits | 57.4319% | 3,922 |
| Net loans and leases to core deposits | 60.0760% | 3,942 |
| Total domestic deposits to total assets | 83.0578% | 3,395 |
| Equity capital to assets | 14.6209% | 651 |
| Core capital (leverage) ratio | 13.9224% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,758,200 | 1,784 |
| Average earning assets | $392,281,600 | 1,789 |
| Average equity | $60,912,600 | 1,427 |
| Average total loans | $232,738,000 | 2,016 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 1,454 |
| Cost of funding earning assets | 0.6456% | 2,348 |
| Net interest margin | 3.9036% | 1,343 |
| Noninterest income to average assets | 8.3427% | 79 |
| Noninterest expense to average assets | 9.5812% | 80 |
| Loan and lease loss provision to assets | 0.3570% | 1,053 |
| Net operating income to assets | 1.6080% | 714 |
| Return on assets (ROA) | 1.6139% | 768 |
| Pretax return on assets | 2.0006% | 517 |
| Return on Equity (ROE) | 11.3493% | 1,572 |
| Retained earnings to average equity (ytd only) | 11.3493% | 513 |
| Net charge-offs to loans | 0.0300% | 2,234 |
| Credit loss provision to net charge-offs | 2,109.4340% | 454 |
| Earnings coverage of net charge-offs (x) | 138.8868% | 639 |
| Efficiency ratio | 80.3024% | 848 |
| Assets per employee ($millions) | 2.2194% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 1,228 |
| Loan loss allowance to noncurrent loans | 107.7446% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4222% | 627 |
| Noncurrent loans to loans | 1.4400% | 1,000 |
| Net loans and leases to total assets | 58.2841% | 3,392 |
| Net loans and leases to deposits | 72.2043% | 3,113 |
| Net loans and leases to core deposits | 75.7293% | 3,191 |
| Total domestic deposits to total assets | 80.7211% | 3,717 |
| Equity capital to assets | 14.1600% | 815 |
| Core capital (leverage) ratio | 13.6838% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $417,599,500 | 1,782 |
| Average earning assets | $383,907,750 | 1,803 |
| Average equity | $59,385,500 | 1,447 |
| Average total loans | $235,342,250 | 1,997 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5559% | 1,772 |
| Cost of funding earning assets | 0.6961% | 2,406 |
| Net interest margin | 3.8597% | 1,668 |
| Noninterest income to average assets | 6.7979% | 83 |
| Noninterest expense to average assets | 8.0592% | 88 |
| Loan and lease loss provision to assets | 0.3820% | 1,080 |
| Net operating income to assets | 1.5028% | 921 |
| Return on assets (ROA) | 1.5117% | 979 |
| Pretax return on assets | 1.9123% | 659 |
| Return on Equity (ROE) | 10.6136% | 1,769 |
| Retained earnings to average equity (ytd only) | 10.6136% | 671 |
| Net charge-offs to loans | 0.0462% | 1,825 |
| Credit loss provision to net charge-offs | 1,496.1538% | 606 |
| Earnings coverage of net charge-offs (x) | 89.4231% | 754 |
| Efficiency ratio | 77.9255% | 1,063 |
| Assets per employee ($millions) | 2.1800% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 1,033 |
| Loan loss allowance to noncurrent loans | 98.8232% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.4971% | 621 |
| Noncurrent loans to loans | 1.6080% | 915 |
| Net loans and leases to total assets | 54.7726% | 3,807 |
| Net loans and leases to deposits | 65.8313% | 3,739 |
| Net loans and leases to core deposits | 69.2299% | 3,756 |
| Total domestic deposits to total assets | 83.2015% | 3,032 |
| Equity capital to assets | 14.2986% | 778 |
| Core capital (leverage) ratio | 13.7066% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,360,000 | 1,788 |
| Average earning assets | $374,067,333 | 1,808 |
| Average equity | $58,020,000 | 1,460 |
| Average total loans | $225,317,667 | 2,047 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 2,640 |
| Cost of funding earning assets | 0.7656% | 2,578 |
| Net interest margin | 3.6285% | 2,574 |
| Noninterest income to average assets | 5.3397% | 91 |
| Noninterest expense to average assets | 7.1404% | 114 |
| Loan and lease loss provision to assets | 0.4560% | 656 |
| Net operating income to assets | 0.7740% | 3,008 |
| Return on assets (ROA) | 0.7740% | 3,083 |
| Pretax return on assets | 1.0780% | 2,592 |
| Return on Equity (ROE) | 5.4459% | 3,490 |
| Retained earnings to average equity (ytd only) | 5.4459% | 2,088 |
| Net charge-offs to loans | 0.0073% | 2,306 |
| Credit loss provision to net charge-offs | 11,325.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 381.0000% | 179 |
| Efficiency ratio | 82.3161% | 957 |
| Assets per employee ($millions) | 2.0786% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 985 |
| Loan loss allowance to noncurrent loans | 80.3211% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.7481% | 544 |
| Noncurrent loans to loans | 2.0381% | 689 |
| Net loans and leases to total assets | 53.0037% | 4,054 |
| Net loans and leases to deposits | 68.0148% | 3,732 |
| Net loans and leases to core deposits | 72.1718% | 3,754 |
| Total domestic deposits to total assets | 77.9297% | 4,230 |
| Equity capital to assets | 14.4976% | 898 |
| Core capital (leverage) ratio | 14.1539% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,399,500 | 1,776 |
| Average earning assets | $365,219,000 | 1,793 |
| Average equity | $56,482,500 | 1,493 |
| Average total loans | $219,070,500 | 2,051 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 1,982 |
| Cost of funding earning assets | 0.9198% | 2,116 |
| Net interest margin | 3.9016% | 2,170 |
| Noninterest income to average assets | 4.6490% | 97 |
| Noninterest expense to average assets | 7.1155% | 103 |
| Loan and lease loss provision to assets | 0.1250% | 1,699 |
| Net operating income to assets | 0.9460% | 3,035 |
| Return on assets (ROA) | 0.9694% | 3,036 |
| Pretax return on assets | 1.0221% | 3,411 |
| Return on Equity (ROE) | 7.6136% | 3,315 |
| Retained earnings to average equity (ytd only) | 6.7602% | 1,502 |
| Net charge-offs to loans | 0.0077% | 3,402 |
| Credit loss provision to net charge-offs | 2,844.4444% | 141 |
| Earnings coverage of net charge-offs (x) | 255.3889% | 322 |
| Efficiency ratio | 86.3740% | 523 |
| Assets per employee ($millions) | 2.0288% | 5,079 |
| Cash dividends to net income (ytd only)* | 11.2091% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,102 |
| Loan loss allowance to noncurrent loans | 94.4233% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.3851% | 763 |
| Noncurrent loans to loans | 1.6365% | 853 |
| Net loans and leases to total assets | 55.6169% | 3,948 |
| Net loans and leases to deposits | 68.7104% | 3,756 |
| Net loans and leases to core deposits | 75.4168% | 3,616 |
| Total domestic deposits to total assets | 80.9439% | 3,778 |
| Equity capital to assets | 13.8688% | 1,150 |
| Core capital (leverage) ratio | 13.0492% | 1,213 |
| Tier 1 risk-based capital ratio | 22.4476% | 971 |
| Total risk-based capital ratio | 23.6999% | 949 |
| Memoranda: | ||
| Average total assets | $409,530,400 | 1,714 |
| Average earning assets | $376,716,600 | 1,723 |
| Average equity | $52,143,400 | 1,538 |
| Average total loans | $234,441,000 | 1,929 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 2,255 |
| Cost of funding earning assets | 0.9168% | 2,152 |
| Net interest margin | 3.8401% | 2,466 |
| Noninterest income to average assets | 4.2730% | 109 |
| Noninterest expense to average assets | 6.6888% | 120 |
| Loan and lease loss provision to assets | 0.0743% | 2,402 |
| Net operating income to assets | 0.9264% | 3,250 |
| Return on assets (ROA) | 0.9554% | 3,227 |
| Pretax return on assets | 1.0734% | 3,365 |
| Return on Equity (ROE) | 7.6690% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.6690% | 1,554 |
| Net charge-offs to loans | 0.0084% | 3,066 |
| Credit loss provision to net charge-offs | 1,533.3333% | 244 |
| Earnings coverage of net charge-offs (x) | 229.9945% | 399 |
| Efficiency ratio | 85.7107% | 516 |
| Assets per employee ($millions) | 2.1689% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 1,996 |
| Loan loss allowance to noncurrent loans | 201.8975% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 1,628 |
| Noncurrent loans to loans | 0.6405% | 2,368 |
| Net loans and leases to total assets | 57.9081% | 3,884 |
| Net loans and leases to deposits | 75.8697% | 3,306 |
| Net loans and leases to core deposits | 83.3028% | 3,155 |
| Total domestic deposits to total assets | 76.3258% | 4,607 |
| Equity capital to assets | 13.0463% | 1,598 |
| Core capital (leverage) ratio | 12.5119% | 1,563 |
| Tier 1 risk-based capital ratio | 21.2473% | 1,165 |
| Total risk-based capital ratio | 22.4977% | 1,144 |
| Memoranda: | ||
| Average total assets | $412,501,250 | 1,708 |
| Average earning assets | $379,284,250 | 1,724 |
| Average equity | $51,392,000 | 1,561 |
| Average total loans | $236,893,750 | 1,917 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 2,590 |
| Cost of funding earning assets | 0.8673% | 2,314 |
| Net interest margin | 3.7602% | 2,718 |
| Noninterest income to average assets | 3.7004% | 123 |
| Noninterest expense to average assets | 6.4142% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7258% | 3,916 |
| Return on assets (ROA) | 0.7741% | 3,800 |
| Pretax return on assets | 0.7932% | 4,110 |
| Return on Equity (ROE) | 6.3157% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.3157% | 2,133 |
| Net charge-offs to loans | 0.0077% | 2,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 169.3333% | 444 |
| Efficiency ratio | 89.6079% | 365 |
| Assets per employee ($millions) | 2.1991% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,420 |
| Loan loss allowance to noncurrent loans | 183.7771% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 1,651 |
| Noncurrent loans to loans | 0.6639% | 2,297 |
| Net loans and leases to total assets | 56.3268% | 4,057 |
| Net loans and leases to deposits | 77.4938% | 3,192 |
| Net loans and leases to core deposits | 84.9541% | 3,031 |
| Total domestic deposits to total assets | 72.6856% | 4,927 |
| Equity capital to assets | 12.3201% | 1,965 |
| Core capital (leverage) ratio | 12.5087% | 1,533 |
| Tier 1 risk-based capital ratio | 19.9215% | 1,361 |
| Total risk-based capital ratio | 21.0710% | 1,356 |
| Memoranda: | ||
| Average total assets | $409,745,000 | 1,725 |
| Average earning assets | $376,789,000 | 1,735 |
| Average equity | $50,224,330 | 1,586 |
| Average total loans | $233,574,330 | 1,955 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 2,795 |
| Cost of funding earning assets | 0.8264% | 2,387 |
| Net interest margin | 3.6955% | 2,910 |
| Noninterest income to average assets | 3.0969% | 137 |
| Noninterest expense to average assets | 6.0951% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3917% | 4,750 |
| Return on assets (ROA) | 0.3917% | 4,763 |
| Pretax return on assets | 0.3937% | 4,845 |
| Return on Equity (ROE) | 3.2045% | 4,742 |
| Retained earnings to average equity (ytd only) | 3.2045% | 3,653 |
| Net charge-offs to loans | 0.0105% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 65.8333% | 872 |
| Efficiency ratio | 93.9324% | 277 |
| Assets per employee ($millions) | 2.0868% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 2,054 |
| Loan loss allowance to noncurrent loans | 186.3864% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 1,279 |
| Noncurrent loans to loans | 0.7017% | 2,268 |
| Net loans and leases to total assets | 56.2456% | 4,047 |
| Net loans and leases to deposits | 72.3317% | 3,580 |
| Net loans and leases to core deposits | 81.7774% | 3,199 |
| Total domestic deposits to total assets | 77.7606% | 4,554 |
| Equity capital to assets | 12.5519% | 1,705 |
| Core capital (leverage) ratio | 12.6767% | 1,416 |
| Tier 1 risk-based capital ratio | 20.4399% | 1,255 |
| Total risk-based capital ratio | 21.6484% | 1,240 |
| Memoranda: | ||
| Average total assets | $401,307,000 | 1,763 |
| Average earning assets | $368,340,500 | 1,774 |
| Average equity | $49,056,500 | 1,604 |
| Average total loans | $228,726,500 | 2,001 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 1,791 |
| Cost of funding earning assets | 0.6604% | 2,319 |
| Net interest margin | 4.0488% | 1,832 |
| Noninterest income to average assets | 3.4657% | 125 |
| Noninterest expense to average assets | 6.4005% | 120 |
| Loan and lease loss provision to assets | 0.0403% | 3,383 |
| Net operating income to assets | 0.6520% | 4,276 |
| Return on assets (ROA) | 0.6533% | 4,280 |
| Pretax return on assets | 0.7411% | 4,309 |
| Return on Equity (ROE) | 5.5250% | 4,318 |
| Retained earnings to average equity (ytd only) | 4.5761% | 3,008 |
| Net charge-offs to loans | 0.0119% | 3,284 |
| Credit loss provision to net charge-offs | 592.5926% | 599 |
| Earnings coverage of net charge-offs (x) | 114.5556% | 667 |
| Efficiency ratio | 89.1382% | 382 |
| Assets per employee ($millions) | 2.1154% | 5,301 |
| Cash dividends to net income (ytd only)* | 17.1748% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,080 |
| Loan loss allowance to noncurrent loans | 185.1368% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 1,259 |
| Noncurrent loans to loans | 0.6982% | 2,243 |
| Net loans and leases to total assets | 56.2629% | 4,115 |
| Net loans and leases to deposits | 72.1621% | 3,660 |
| Net loans and leases to core deposits | 80.7990% | 3,368 |
| Total domestic deposits to total assets | 77.9674% | 4,496 |
| Equity capital to assets | 11.9009% | 1,971 |
| Core capital (leverage) ratio | 12.4135% | 1,505 |
| Tier 1 risk-based capital ratio | 19.4189% | 1,421 |
| Total risk-based capital ratio | 20.5784% | 1,406 |
| Memoranda: | ||
| Average total assets | $396,577,200 | 1,728 |
| Average earning assets | $363,863,200 | 1,754 |
| Average equity | $46,896,200 | 1,601 |
| Average total loans | $227,679,200 | 1,965 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 1,920 |
| Cost of funding earning assets | 0.6231% | 2,315 |
| Net interest margin | 3.9988% | 1,963 |
| Noninterest income to average assets | 3.4475% | 138 |
| Noninterest expense to average assets | 6.4569% | 117 |
| Loan and lease loss provision to assets | 0.0540% | 2,888 |
| Net operating income to assets | 0.5619% | 4,612 |
| Return on assets (ROA) | 0.5638% | 4,613 |
| Pretax return on assets | 0.6111% | 4,711 |
| Return on Equity (ROE) | 4.7754% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.7754% | 3,359 |
| Net charge-offs to loans | 0.0082% | 3,121 |
| Credit loss provision to net charge-offs | 1,142.8571% | 363 |
| Earnings coverage of net charge-offs (x) | 140.1859% | 578 |
| Efficiency ratio | 90.6870% | 309 |
| Assets per employee ($millions) | 2.1235% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,217 |
| Loan loss allowance to noncurrent loans | 177.6589% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 1,252 |
| Noncurrent loans to loans | 0.7179% | 2,284 |
| Net loans and leases to total assets | 57.6631% | 4,075 |
| Net loans and leases to deposits | 74.9930% | 3,511 |
| Net loans and leases to core deposits | 81.0644% | 3,398 |
| Total domestic deposits to total assets | 76.8913% | 4,658 |
| Equity capital to assets | 11.7654% | 2,060 |
| Core capital (leverage) ratio | 12.2959% | 1,619 |
| Tier 1 risk-based capital ratio | 19.1420% | 1,502 |
| Total risk-based capital ratio | 20.3011% | 1,497 |
| Memoranda: | ||
| Average total assets | $394,712,250 | 1,746 |
| Average earning assets | $362,503,750 | 1,767 |
| Average equity | $46,599,250 | 1,611 |
| Average total loans | $227,024,000 | 1,978 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 2,003 |
| Cost of funding earning assets | 0.5573% | 2,545 |
| Net interest margin | 3.9701% | 1,960 |
| Noninterest income to average assets | 3.1878% | 150 |
| Noninterest expense to average assets | 6.4469% | 125 |
| Loan and lease loss provision to assets | 0.0662% | 2,574 |
| Net operating income to assets | 0.2564% | 5,177 |
| Return on assets (ROA) | 0.2589% | 5,169 |
| Pretax return on assets | 0.3297% | 5,133 |
| Return on Equity (ROE) | 2.1900% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.1900% | 4,405 |
| Net charge-offs to loans | 0.0062% | 2,919 |
| Credit loss provision to net charge-offs | 1,857.1429% | 228 |
| Earnings coverage of net charge-offs (x) | 110.1429% | 655 |
| Efficiency ratio | 94.2561% | 256 |
| Assets per employee ($millions) | 2.0792% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,401 |
| Loan loss allowance to noncurrent loans | 173.4074% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.1528% | 1,261 |
| Noncurrent loans to loans | 0.7238% | 2,303 |
| Net loans and leases to total assets | 58.1700% | 3,977 |
| Net loans and leases to deposits | 77.2940% | 3,226 |
| Net loans and leases to core deposits | 83.9234% | 3,087 |
| Total domestic deposits to total assets | 75.2582% | 4,930 |
| Equity capital to assets | 11.5634% | 2,153 |
| Core capital (leverage) ratio | 12.0284% | 1,698 |
| Tier 1 risk-based capital ratio | 17.8992% | 1,825 |
| Total risk-based capital ratio | 19.0074% | 1,831 |
| Memoranda: | ||
| Average total assets | $392,500,670 | 1,759 |
| Average earning assets | $361,044,330 | 1,772 |
| Average equity | $46,392,330 | 1,619 |
| Average total loans | $224,559,000 | 1,993 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 3,209 |
| Cost of funding earning assets | 0.4771% | 2,988 |
| Net interest margin | 3.6317% | 3,065 |
| Noninterest income to average assets | 1.9768% | 278 |
| Noninterest expense to average assets | 5.9117% | 143 |
| Loan and lease loss provision to assets | 0.1031% | 1,802 |
| Net operating income to assets | -0.6895% | 5,519 |
| Return on assets (ROA) | -0.6895% | 5,516 |
| Pretax return on assets | -0.6957% | 5,516 |
| Return on Equity (ROE) | -5.7688% | 5,508 |
| Retained earnings to average equity (ytd only) | -5.7688% | 5,238 |
| Net charge-offs to loans | 0.0110% | 2,351 |
| Credit loss provision to net charge-offs | 1,666.6667% | 214 |
| Earnings coverage of net charge-offs (x) | -95.8333% | 2,716 |
| Efficiency ratio | 111.1413% | 95 |
| Assets per employee ($millions) | 2.3013% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,453 |
| Loan loss allowance to noncurrent loans | 128.9162% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.2436% | 1,206 |
| Noncurrent loans to loans | 0.9786% | 1,864 |
| Net loans and leases to total assets | 56.7730% | 4,049 |
| Net loans and leases to deposits | 74.7141% | 3,339 |
| Net loans and leases to core deposits | 81.0714% | 3,233 |
| Total domestic deposits to total assets | 75.9870% | 4,965 |
| Equity capital to assets | 11.2560% | 2,341 |
| Core capital (leverage) ratio | 12.1293% | 1,572 |
| Tier 1 risk-based capital ratio | 17.6426% | 1,937 |
| Total risk-based capital ratio | 18.7516% | 1,929 |
| Memoranda: | ||
| Average total assets | $388,109,000 | 1,786 |
| Average earning assets | $357,189,500 | 1,797 |
| Average equity | $46,387,500 | 1,632 |
| Average total loans | $218,641,500 | 2,053 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,270 |
| Cost of funding earning assets | 0.4547% | 2,725 |
| Net interest margin | 3.2738% | 4,238 |
| Noninterest income to average assets | 1.4356% | 518 |
| Noninterest expense to average assets | 3.5658% | 935 |
| Loan and lease loss provision to assets | 0.0813% | 2,576 |
| Net operating income to assets | 0.5688% | 4,151 |
| Return on assets (ROA) | 0.5742% | 4,156 |
| Pretax return on assets | 0.8191% | 4,199 |
| Return on Equity (ROE) | 4.7331% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.7865% | 2,954 |
| Net charge-offs to loans | 0.0253% | 3,300 |
| Credit loss provision to net charge-offs | 617.6471% | 517 |
| Earnings coverage of net charge-offs (x) | 67.8235% | 876 |
| Efficiency ratio | 79.9792% | 1,105 |
| Assets per employee ($millions) | 2.2913% | 5,518 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,801 |
| Loan loss allowance to noncurrent loans | 146.0709% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.3535% | 1,054 |
| Noncurrent loans to loans | 0.9525% | 1,863 |
| Net loans and leases to total assets | 54.2995% | 4,339 |
| Net loans and leases to deposits | 66.1710% | 4,175 |
| Net loans and leases to core deposits | 71.7068% | 4,072 |
| Total domestic deposits to total assets | 82.0594% | 3,857 |
| Equity capital to assets | 12.7118% | 1,400 |
| Core capital (leverage) ratio | 12.5528% | 1,327 |
| Tier 1 risk-based capital ratio | 18.8155% | 1,553 |
| Total risk-based capital ratio | 19.9441% | 1,545 |
| Memoranda: | ||
| Average total assets | $387,510,600 | 1,766 |
| Average earning assets | $357,806,400 | 1,766 |
| Average equity | $47,009,000 | 1,601 |
| Average total loans | $201,723,000 | 2,140 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6641% | 4,414 |
| Cost of funding earning assets | 0.4682% | 2,538 |
| Net interest margin | 3.1959% | 4,457 |
| Noninterest income to average assets | 1.5288% | 463 |
| Noninterest expense to average assets | 3.4835% | 1,020 |
| Loan and lease loss provision to assets | 0.0851% | 2,389 |
| Net operating income to assets | 0.7048% | 3,954 |
| Return on assets (ROA) | 0.7126% | 3,973 |
| Pretax return on assets | 0.9268% | 3,946 |
| Return on Equity (ROE) | 5.9419% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.9419% | 2,285 |
| Net charge-offs to loans | 0.0133% | 3,264 |
| Credit loss provision to net charge-offs | 1,250.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 147.0780% | 548 |
| Efficiency ratio | 77.6664% | 1,373 |
| Assets per employee ($millions) | 3.4367% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 2,120 |
| Loan loss allowance to noncurrent loans | 83.8556% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.5299% | 986 |
| Noncurrent loans to loans | 1.6099% | 1,138 |
| Net loans and leases to total assets | 53.8294% | 4,428 |
| Net loans and leases to deposits | 66.3615% | 4,224 |
| Net loans and leases to core deposits | 73.0539% | 4,052 |
| Total domestic deposits to total assets | 81.1154% | 4,016 |
| Equity capital to assets | 12.6808% | 1,557 |
| Core capital (leverage) ratio | 12.6403% | 1,363 |
| Tier 1 risk-based capital ratio | 19.2767% | 1,526 |
| Total risk-based capital ratio | 20.4117% | 1,506 |
| Memoranda: | ||
| Average total assets | $391,590,500 | 1,755 |
| Average earning assets | $362,248,250 | 1,753 |
| Average equity | $46,965,000 | 1,614 |
| Average total loans | $201,054,000 | 2,154 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,535 |
| Cost of funding earning assets | 0.4791% | 2,333 |
| Net interest margin | 3.1120% | 4,646 |
| Noninterest income to average assets | 1.5105% | 476 |
| Noninterest expense to average assets | 3.4353% | 1,105 |
| Loan and lease loss provision to assets | 0.0886% | 2,208 |
| Net operating income to assets | 0.6719% | 3,970 |
| Return on assets (ROA) | 0.6785% | 4,009 |
| Pretax return on assets | 0.8796% | 3,996 |
| Return on Equity (ROE) | 5.7640% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.7640% | 2,253 |
| Net charge-offs to loans | 0.0161% | 2,922 |
| Credit loss provision to net charge-offs | 1,093.7500% | 367 |
| Earnings coverage of net charge-offs (x) | 118.4375% | 579 |
| Efficiency ratio | 78.1657% | 1,441 |
| Assets per employee ($millions) | 3.5294% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,240 |
| Loan loss allowance to noncurrent loans | 79.4374% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5236% | 984 |
| Noncurrent loans to loans | 1.6842% | 1,083 |
| Net loans and leases to total assets | 51.5577% | 4,606 |
| Net loans and leases to deposits | 66.4025% | 4,192 |
| Net loans and leases to core deposits | 73.1391% | 4,010 |
| Total domestic deposits to total assets | 77.6443% | 4,874 |
| Equity capital to assets | 12.1842% | 1,800 |
| Core capital (leverage) ratio | 11.8508% | 1,730 |
| Tier 1 risk-based capital ratio | 19.5662% | 1,459 |
| Total risk-based capital ratio | 20.7071% | 1,438 |
| Memoranda: | ||
| Average total assets | $394,962,670 | 1,742 |
| Average earning assets | $366,065,330 | 1,741 |
| Average equity | $46,495,330 | 1,626 |
| Average total loans | $198,687,000 | 2,177 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 4,657 |
| Cost of funding earning assets | 0.4997% | 2,088 |
| Net interest margin | 3.0136% | 4,861 |
| Noninterest income to average assets | 1.1630% | 748 |
| Noninterest expense to average assets | 3.3104% | 1,367 |
| Loan and lease loss provision to assets | 0.1311% | 1,459 |
| Net operating income to assets | 0.3994% | 4,941 |
| Return on assets (ROA) | 0.3994% | 4,967 |
| Pretax return on assets | 0.5195% | 4,927 |
| Return on Equity (ROE) | 3.4527% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.4527% | 3,711 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5752% | 1,012 |
| Assets per employee ($millions) | 3.5379% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 2,302 |
| Loan loss allowance to noncurrent loans | 58.4430% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.5206% | 1,043 |
| Noncurrent loans to loans | 2.3114% | 707 |
| Net loans and leases to total assets | 49.5029% | 4,715 |
| Net loans and leases to deposits | 63.9081% | 4,319 |
| Net loans and leases to core deposits | 69.8081% | 4,160 |
| Total domestic deposits to total assets | 77.4595% | 5,048 |
| Equity capital to assets | 11.5927% | 2,117 |
| Core capital (leverage) ratio | 11.7242% | 1,812 |
| Tier 1 risk-based capital ratio | 18.7611% | 1,676 |
| Total risk-based capital ratio | 19.8657% | 1,671 |
| Memoranda: | ||
| Average total assets | $396,563,500 | 1,746 |
| Average earning assets | $368,192,500 | 1,741 |
| Average equity | $45,876,500 | 1,650 |
| Average total loans | $195,669,500 | 2,221 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 4,866 |
| Cost of funding earning assets | 0.5076% | 2,031 |
| Net interest margin | 2.9552% | 5,041 |
| Noninterest income to average assets | 1.1437% | 870 |
| Noninterest expense to average assets | 3.0721% | 2,117 |
| Loan and lease loss provision to assets | 0.0980% | 2,413 |
| Net operating income to assets | 0.5831% | 4,276 |
| Return on assets (ROA) | 0.5831% | 4,390 |
| Pretax return on assets | 0.7223% | 4,417 |
| Return on Equity (ROE) | 4.9355% | 4,461 |
| Retained earnings to average equity (ytd only) | 3.9769% | 3,090 |
| Net charge-offs to loans | 0.0263% | 3,510 |
| Credit loss provision to net charge-offs | 836.9565% | 436 |
| Earnings coverage of net charge-offs (x) | 70.0652% | 789 |
| Efficiency ratio | 78.9264% | 1,566 |
| Assets per employee ($millions) | 3.5436% | 4,690 |
| Cash dividends to net income (ytd only)* | 19.4238% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 2,286 |
| Loan loss allowance to noncurrent loans | 64.9383% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 1,478 |
| Noncurrent loans to loans | 2.0831% | 850 |
| Net loans and leases to total assets | 47.8322% | 4,909 |
| Net loans and leases to deposits | 61.1175% | 4,607 |
| Net loans and leases to core deposits | 66.8744% | 4,475 |
| Total domestic deposits to total assets | 78.2626% | 4,938 |
| Equity capital to assets | 11.5440% | 2,132 |
| Core capital (leverage) ratio | 11.4821% | 1,941 |
| Tier 1 risk-based capital ratio | 20.2041% | 1,342 |
| Total risk-based capital ratio | 21.3464% | 1,334 |
| Memoranda: | ||
| Average total assets | $392,918,200 | 1,711 |
| Average earning assets | $365,458,200 | 1,701 |
| Average equity | $46,418,600 | 1,629 |
| Average total loans | $174,872,800 | 2,360 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4668% | 4,901 |
| Cost of funding earning assets | 0.5174% | 1,955 |
| Net interest margin | 2.9494% | 5,098 |
| Noninterest income to average assets | 1.1469% | 873 |
| Noninterest expense to average assets | 3.0283% | 2,235 |
| Loan and lease loss provision to assets | 0.0407% | 3,425 |
| Net operating income to assets | 0.6293% | 4,166 |
| Return on assets (ROA) | 0.6293% | 4,290 |
| Pretax return on assets | 0.8214% | 4,244 |
| Return on Equity (ROE) | 5.2965% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.2965% | 2,629 |
| Net charge-offs to loans | 0.0008% | 3,928 |
| Credit loss provision to net charge-offs | 12,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 2,546.3008% | 22 |
| Efficiency ratio | 77.8398% | 1,707 |
| Assets per employee ($millions) | 3.5360% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,393 |
| Loan loss allowance to noncurrent loans | 91.4729% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.8686% | 2,377 |
| Noncurrent loans to loans | 1.4859% | 1,451 |
| Net loans and leases to total assets | 43.6369% | 5,212 |
| Net loans and leases to deposits | 56.8621% | 4,942 |
| Net loans and leases to core deposits | 62.2324% | 4,813 |
| Total domestic deposits to total assets | 76.7416% | 5,132 |
| Equity capital to assets | 12.2347% | 1,956 |
| Core capital (leverage) ratio | 11.7680% | 1,831 |
| Tier 1 risk-based capital ratio | 20.0430% | 1,438 |
| Total risk-based capital ratio | 21.0794% | 1,443 |
| Memoranda: | ||
| Average total assets | $392,812,750 | 1,715 |
| Average earning assets | $365,395,000 | 1,706 |
| Average equity | $46,671,500 | 1,625 |
| Average total loans | $170,910,250 | 2,406 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 4,834 |
| Cost of funding earning assets | 0.5283% | 1,880 |
| Net interest margin | 2.9836% | 5,112 |
| Noninterest income to average assets | 1.0384% | 1,037 |
| Noninterest expense to average assets | 2.9070% | 2,652 |
| Loan and lease loss provision to assets | 0.0305% | 3,517 |
| Net operating income to assets | 0.6546% | 4,024 |
| Return on assets (ROA) | 0.6546% | 4,170 |
| Pretax return on assets | 0.8694% | 4,050 |
| Return on Equity (ROE) | 5.5644% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.5644% | 2,384 |
| Net charge-offs to loans | -0.0176% | 4,899 |
| Credit loss provision to net charge-offs | -400.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3605% | 2,034 |
| Assets per employee ($millions) | 3.6999% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 2,702 |
| Loan loss allowance to noncurrent loans | 97.1884% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 2,550 |
| Noncurrent loans to loans | 1.3535% | 1,660 |
| Net loans and leases to total assets | 43.8889% | 5,240 |
| Net loans and leases to deposits | 56.2011% | 4,999 |
| Net loans and leases to core deposits | 62.1255% | 4,878 |
| Total domestic deposits to total assets | 78.0926% | 4,981 |
| Equity capital to assets | 11.9927% | 2,124 |
| Core capital (leverage) ratio | 11.4820% | 2,006 |
| Tier 1 risk-based capital ratio | 20.7176% | 1,306 |
| Total risk-based capital ratio | 21.7821% | 1,321 |
| Memoranda: | ||
| Average total assets | $392,920,000 | 1,717 |
| Average earning assets | $364,588,330 | 1,707 |
| Average equity | $46,222,000 | 1,638 |
| Average total loans | $170,003,330 | 2,413 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 4,688 |
| Cost of funding earning assets | 0.5339% | 1,838 |
| Net interest margin | 3.0414% | 5,024 |
| Noninterest income to average assets | 0.9289% | 1,237 |
| Noninterest expense to average assets | 2.8520% | 2,880 |
| Loan and lease loss provision to assets | 0.0460% | 2,997 |
| Net operating income to assets | 0.6376% | 4,032 |
| Return on assets (ROA) | 0.6376% | 4,150 |
| Pretax return on assets | 0.8482% | 4,040 |
| Return on Equity (ROE) | 5.4743% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.4743% | 2,673 |
| Net charge-offs to loans | 0.0120% | 2,726 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 345 |
| Efficiency ratio | 76.1320% | 2,158 |
| Assets per employee ($millions) | 3.8141% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 2,642 |
| Loan loss allowance to noncurrent loans | 103.2127% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8031% | 2,691 |
| Noncurrent loans to loans | 1.3104% | 1,828 |
| Net loans and leases to total assets | 42.3486% | 5,331 |
| Net loans and leases to deposits | 52.7967% | 5,177 |
| Net loans and leases to core deposits | 58.3581% | 5,025 |
| Total domestic deposits to total assets | 80.2107% | 4,699 |
| Equity capital to assets | 11.8104% | 2,149 |
| Core capital (leverage) ratio | 11.4181% | 2,037 |
| Tier 1 risk-based capital ratio | 20.8060% | 1,342 |
| Total risk-based capital ratio | 21.8746% | 1,360 |
| Memoranda: | ||
| Average total assets | $391,438,000 | 1,725 |
| Average earning assets | $362,599,000 | 1,717 |
| Average equity | $45,594,500 | 1,652 |
| Average total loans | $166,972,500 | 2,441 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5972% | 4,686 |
| Cost of funding earning assets | 0.4707% | 2,434 |
| Net interest margin | 3.1264% | 4,842 |
| Noninterest income to average assets | 0.9529% | 1,314 |
| Noninterest expense to average assets | 2.9288% | 2,771 |
| Loan and lease loss provision to assets | 0.1303% | 1,836 |
| Net operating income to assets | 0.6025% | 4,257 |
| Return on assets (ROA) | 0.6025% | 4,357 |
| Pretax return on assets | 0.8010% | 4,182 |
| Return on Equity (ROE) | 5.1283% | 4,448 |
| Retained earnings to average equity (ytd only) | 4.1313% | 3,060 |
| Net charge-offs to loans | 0.0829% | 2,649 |
| Credit loss provision to net charge-offs | 402.4390% | 757 |
| Earnings coverage of net charge-offs (x) | 28.7642% | 1,497 |
| Efficiency ratio | 75.8745% | 2,292 |
| Assets per employee ($millions) | 3.9397% | 4,046 |
| Cash dividends to net income (ytd only)* | 19.4408% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 2,642 |
| Loan loss allowance to noncurrent loans | 148.9037% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 3,163 |
| Noncurrent loans to loans | 0.9105% | 2,517 |
| Net loans and leases to total assets | 41.8066% | 5,419 |
| Net loans and leases to deposits | 51.5525% | 5,305 |
| Net loans and leases to core deposits | 56.9608% | 5,155 |
| Total domestic deposits to total assets | 81.0952% | 4,453 |
| Equity capital to assets | 11.4843% | 2,374 |
| Core capital (leverage) ratio | 11.3549% | 2,082 |
| Tier 1 risk-based capital ratio | 20.6410% | 1,361 |
| Total risk-based capital ratio | 21.6974% | 1,375 |
| Memoranda: | ||
| Average total assets | $379,912,600 | 1,729 |
| Average earning assets | $353,279,400 | 1,710 |
| Average equity | $44,635,000 | 1,653 |
| Average total loans | $148,402,600 | 2,620 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 4,723 |
| Cost of funding earning assets | 0.4599% | 2,587 |
| Net interest margin | 3.1464% | 4,828 |
| Noninterest income to average assets | 0.9702% | 1,259 |
| Noninterest expense to average assets | 2.9335% | 2,728 |
| Loan and lease loss provision to assets | 0.0919% | 2,334 |
| Net operating income to assets | 0.6829% | 3,980 |
| Return on assets (ROA) | 0.6829% | 4,093 |
| Pretax return on assets | 0.8719% | 4,084 |
| Return on Equity (ROE) | 5.7792% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.7792% | 2,379 |
| Net charge-offs to loans | 0.0129% | 3,724 |
| Credit loss provision to net charge-offs | 1,857.1429% | 201 |
| Earnings coverage of net charge-offs (x) | 194.8174% | 367 |
| Efficiency ratio | 75.2697% | 2,358 |
| Assets per employee ($millions) | 3.9069% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 2,826 |
| Loan loss allowance to noncurrent loans | 135.1438% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 3,225 |
| Noncurrent loans to loans | 1.0014% | 2,479 |
| Net loans and leases to total assets | 40.6785% | 5,558 |
| Net loans and leases to deposits | 51.0521% | 5,418 |
| Net loans and leases to core deposits | 56.1114% | 5,305 |
| Total domestic deposits to total assets | 79.6804% | 4,808 |
| Equity capital to assets | 12.0325% | 2,081 |
| Core capital (leverage) ratio | 11.7589% | 1,849 |
| Tier 1 risk-based capital ratio | 21.5766% | 1,251 |
| Total risk-based capital ratio | 22.6166% | 1,264 |
| Memoranda: | ||
| Average total assets | $377,384,000 | 1,752 |
| Average earning assets | $351,082,750 | 1,734 |
| Average equity | $44,595,750 | 1,664 |
| Average total loans | $144,178,750 | 2,692 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,599 |
| Cost of funding earning assets | 0.4591% | 2,618 |
| Net interest margin | 3.1837% | 4,706 |
| Noninterest income to average assets | 0.9325% | 1,350 |
| Noninterest expense to average assets | 2.9046% | 2,877 |
| Loan and lease loss provision to assets | 0.1088% | 2,013 |
| Net operating income to assets | 0.6936% | 3,918 |
| Return on assets (ROA) | 0.6936% | 4,034 |
| Pretax return on assets | 0.8852% | 4,007 |
| Return on Equity (ROE) | 5.9059% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.9059% | 2,300 |
| Net charge-offs to loans | 0.0014% | 3,858 |
| Credit loss provision to net charge-offs | 20,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 1,873.0000% | 26 |
| Efficiency ratio | 74.5031% | 2,615 |
| Assets per employee ($millions) | 3.8078% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 2,737 |
| Loan loss allowance to noncurrent loans | 156.8079% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 3,699 |
| Noncurrent loans to loans | 0.8955% | 2,888 |
| Net loans and leases to total assets | 39.0069% | 5,685 |
| Net loans and leases to deposits | 47.6503% | 5,608 |
| Net loans and leases to core deposits | 52.2153% | 5,526 |
| Total domestic deposits to total assets | 81.8606% | 4,341 |
| Equity capital to assets | 11.8290% | 2,148 |
| Core capital (leverage) ratio | 11.3836% | 2,083 |
| Tier 1 risk-based capital ratio | 22.9801% | 1,087 |
| Total risk-based capital ratio | 24.0815% | 1,080 |
| Memoranda: | ||
| Average total assets | $376,854,000 | 1,765 |
| Average earning assets | $351,099,670 | 1,741 |
| Average equity | $44,261,000 | 1,685 |
| Average total loans | $140,146,330 | 2,746 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 4,738 |
| Cost of funding earning assets | 0.4455% | 2,820 |
| Net interest margin | 3.1391% | 4,822 |
| Noninterest income to average assets | 0.8682% | 1,505 |
| Noninterest expense to average assets | 2.7272% | 3,497 |
| Loan and lease loss provision to assets | 0.1267% | 1,635 |
| Net operating income to assets | 0.7278% | 3,655 |
| Return on assets (ROA) | 0.7278% | 3,793 |
| Pretax return on assets | 0.9464% | 3,710 |
| Return on Equity (ROE) | 6.2183% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.2183% | 2,368 |
| Net charge-offs to loans | 0.0029% | 3,221 |
| Credit loss provision to net charge-offs | 12,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 1,016.0000% | 41 |
| Efficiency ratio | 71.7621% | 3,210 |
| Assets per employee ($millions) | 3.7154% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 3,005 |
| Loan loss allowance to noncurrent loans | 148.0268% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 3,723 |
| Noncurrent loans to loans | 0.9342% | 2,910 |
| Net loans and leases to total assets | 37.0475% | 5,769 |
| Net loans and leases to deposits | 44.8289% | 5,717 |
| Net loans and leases to core deposits | 48.9262% | 5,638 |
| Total domestic deposits to total assets | 82.6421% | 4,293 |
| Equity capital to assets | 11.7784% | 2,217 |
| Core capital (leverage) ratio | 10.8340% | 2,589 |
| Tier 1 risk-based capital ratio | 18.8259% | 1,914 |
| Total risk-based capital ratio | 18.8259% | 2,236 |
| Memoranda: | ||
| Average total assets | $378,701,000 | 1,757 |
| Average earning assets | $353,735,500 | 1,735 |
| Average equity | $44,321,000 | 1,685 |
| Average total loans | $136,404,000 | 2,799 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7481% | 4,651 |
| Cost of funding earning assets | 0.4710% | 2,972 |
| Net interest margin | 3.2771% | 4,661 |
| Noninterest income to average assets | 0.5156% | 3,388 |
| Noninterest expense to average assets | 2.4952% | 4,566 |
| Loan and lease loss provision to assets | 0.0651% | 3,201 |
| Net operating income to assets | 0.7884% | 3,433 |
| Return on assets (ROA) | 0.8004% | 3,470 |
| Pretax return on assets | 1.0138% | 3,438 |
| Return on Equity (ROE) | 7.3319% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.2471% | 1,782 |
| Net charge-offs to loans | 0.2373% | 1,780 |
| Credit loss provision to net charge-offs | 80.7947% | 2,848 |
| Earnings coverage of net charge-offs (x) | 13.2053% | 2,295 |
| Efficiency ratio | 70.1117% | 3,515 |
| Assets per employee ($millions) | 3.6380% | 4,647 |
| Cash dividends to net income (ytd only)* | 14.7951% | 3,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 2,704 |
| Loan loss allowance to noncurrent loans | 135.7298% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 3,769 |
| Noncurrent loans to loans | 1.0671% | 2,689 |
| Net loans and leases to total assets | 33.9391% | 6,038 |
| Net loans and leases to deposits | 40.5984% | 6,016 |
| Net loans and leases to core deposits | 43.7303% | 5,963 |
| Total domestic deposits to total assets | 83.5973% | 3,879 |
| Equity capital to assets | 11.6269% | 2,320 |
| Core capital (leverage) ratio | 11.1554% | 2,253 |
| Tier 1 risk-based capital ratio | 23.2992% | 1,034 |
| Total risk-based capital ratio | 24.3374% | 1,049 |
| Memoranda: | ||
| Average total assets | $374,925,000 | 1,742 |
| Average earning assets | $348,175,600 | 1,718 |
| Average equity | $40,931,000 | 1,747 |
| Average total loans | $127,284,400 | 2,916 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,694 |
| Cost of funding earning assets | 0.4840% | 2,913 |
| Net interest margin | 3.2723% | 4,709 |
| Noninterest income to average assets | 0.4470% | 3,914 |
| Noninterest expense to average assets | 2.3677% | 4,920 |
| Loan and lease loss provision to assets | 0.0103% | 4,213 |
| Net operating income to assets | 0.8445% | 3,206 |
| Return on assets (ROA) | 0.8601% | 3,214 |
| Pretax return on assets | 1.1232% | 3,099 |
| Return on Equity (ROE) | 8.0087% | 3,199 |
| Retained earnings to average equity (ytd only) | 8.0087% | 1,358 |
| Net charge-offs to loans | 0.1051% | 2,746 |
| Credit loss provision to net charge-offs | 29.0000% | 3,466 |
| Earnings coverage of net charge-offs (x) | 31.3100% | 1,332 |
| Efficiency ratio | 68.0184% | 3,851 |
| Assets per employee ($millions) | 4.0126% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 2,852 |
| Loan loss allowance to noncurrent loans | 327.9152% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 4,759 |
| Noncurrent loans to loans | 0.4483% | 4,553 |
| Net loans and leases to total assets | 33.3315% | 6,139 |
| Net loans and leases to deposits | 39.5213% | 6,128 |
| Net loans and leases to core deposits | 42.6366% | 6,100 |
| Total domestic deposits to total assets | 84.3382% | 3,623 |
| Equity capital to assets | 11.4043% | 2,580 |
| Core capital (leverage) ratio | 11.1720% | 2,338 |
| Tier 1 risk-based capital ratio | 23.3292% | 1,075 |
| Total risk-based capital ratio | 24.3650% | 1,083 |
| Memoranda: | ||
| Average total assets | $374,976,750 | 1,757 |
| Average earning assets | $347,681,000 | 1,731 |
| Average equity | $40,271,750 | 1,779 |
| Average total loans | $126,844,250 | 2,935 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 4,630 |
| Cost of funding earning assets | 0.5002% | 2,832 |
| Net interest margin | 3.2684% | 4,706 |
| Noninterest income to average assets | 0.4793% | 3,639 |
| Noninterest expense to average assets | 2.3990% | 4,885 |
| Loan and lease loss provision to assets | 0.0138% | 3,983 |
| Net operating income to assets | 0.8414% | 3,126 |
| Return on assets (ROA) | 0.8648% | 3,076 |
| Pretax return on assets | 1.1241% | 2,998 |
| Return on Equity (ROE) | 8.2208% | 2,974 |
| Retained earnings to average equity (ytd only) | 8.2208% | 1,241 |
| Net charge-offs to loans | 0.0047% | 4,219 |
| Credit loss provision to net charge-offs | 866.6667% | 379 |
| Earnings coverage of net charge-offs (x) | 693.3333% | 98 |
| Efficiency ratio | 68.4131% | 3,936 |
| Assets per employee ($millions) | 4.4439% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 2,835 |
| Loan loss allowance to noncurrent loans | 696.4286% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 4,918 |
| Noncurrent loans to loans | 0.2174% | 5,359 |
| Net loans and leases to total assets | 33.5868% | 6,174 |
| Net loans and leases to deposits | 40.0062% | 6,156 |
| Net loans and leases to core deposits | 43.1474% | 6,109 |
| Total domestic deposits to total assets | 83.9538% | 3,932 |
| Equity capital to assets | 10.9556% | 2,921 |
| Core capital (leverage) ratio | 10.8712% | 2,559 |
| Tier 1 risk-based capital ratio | 22.5201% | 1,187 |
| Total risk-based capital ratio | 23.5908% | 1,193 |
| Memoranda: | ||
| Average total assets | $375,577,330 | 1,751 |
| Average earning assets | $347,878,670 | 1,723 |
| Average equity | $39,509,670 | 1,793 |
| Average total loans | $127,045,330 | 2,926 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 4,618 |
| Cost of funding earning assets | 0.5173% | 2,741 |
| Net interest margin | 3.2476% | 4,749 |
| Noninterest income to average assets | 0.4539% | 3,755 |
| Noninterest expense to average assets | 2.3178% | 5,151 |
| Loan and lease loss provision to assets | 0.0032% | 3,782 |
| Net operating income to assets | 0.8673% | 2,811 |
| Return on assets (ROA) | 0.8673% | 2,880 |
| Pretax return on assets | 1.1300% | 2,772 |
| Return on Equity (ROE) | 8.4204% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.4204% | 1,450 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1619% | 4,337 |
| Assets per employee ($millions) | 4.7429% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 2,992 |
| Loan loss allowance to noncurrent loans | 699.2754% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 4,939 |
| Noncurrent loans to loans | 0.2198% | 5,435 |
| Net loans and leases to total assets | 32.5921% | 6,242 |
| Net loans and leases to deposits | 38.2515% | 6,235 |
| Net loans and leases to core deposits | 41.1414% | 6,195 |
| Total domestic deposits to total assets | 85.2048% | 3,776 |
| Equity capital to assets | 10.4160% | 3,338 |
| Core capital (leverage) ratio | 10.8741% | 2,521 |
| Tier 1 risk-based capital ratio | 22.2717% | 1,251 |
| Total risk-based capital ratio | 23.3410% | 1,257 |
| Memoranda: | ||
| Average total assets | $374,498,500 | 1,756 |
| Average earning assets | $345,612,500 | 1,743 |
| Average equity | $38,573,000 | 1,825 |
| Average total loans | $126,158,500 | 2,943 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 4,961 |
| Cost of funding earning assets | 0.5778% | 2,856 |
| Net interest margin | 3.1772% | 5,069 |
| Noninterest income to average assets | 0.4552% | 4,056 |
| Noninterest expense to average assets | 2.3522% | 5,229 |
| Loan and lease loss provision to assets | 0.0300% | 4,510 |
| Net operating income to assets | 0.7919% | 3,329 |
| Return on assets (ROA) | 0.7919% | 3,434 |
| Pretax return on assets | 1.0198% | 3,271 |
| Return on Equity (ROE) | 7.4489% | 3,324 |
| Retained earnings to average equity (ytd only) | 6.3066% | 1,799 |
| Net charge-offs to loans | 0.0477% | 4,556 |
| Credit loss provision to net charge-offs | 183.3333% | 1,253 |
| Earnings coverage of net charge-offs (x) | 64.1167% | 653 |
| Efficiency ratio | 69.1425% | 3,989 |
| Assets per employee ($millions) | 4.7380% | 2,526 |
| Cash dividends to net income (ytd only)* | 15.3343% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,098 |
| Loan loss allowance to noncurrent loans | 705.8608% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 5,124 |
| Noncurrent loans to loans | 0.2154% | 5,536 |
| Net loans and leases to total assets | 33.7681% | 6,308 |
| Net loans and leases to deposits | 39.5661% | 6,316 |
| Net loans and leases to core deposits | 43.3309% | 6,257 |
| Total domestic deposits to total assets | 85.3459% | 3,576 |
| Equity capital to assets | 10.1807% | 3,534 |
| Core capital (leverage) ratio | 10.6640% | 2,713 |
| Tier 1 risk-based capital ratio | 21.6336% | 1,313 |
| Total risk-based capital ratio | 22.6920% | 1,326 |
| Memoranda: | ||
| Average total assets | $366,462,000 | 1,778 |
| Average earning assets | $339,887,400 | 1,751 |
| Average equity | $38,959,000 | 1,791 |
| Average total loans | $125,811,400 | 2,917 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 5,119 |
| Cost of funding earning assets | 0.5834% | 2,965 |
| Net interest margin | 3.1327% | 5,223 |
| Noninterest income to average assets | 0.4598% | 4,081 |
| Noninterest expense to average assets | 2.3429% | 5,203 |
| Loan and lease loss provision to assets | 0.0073% | 4,834 |
| Net operating income to assets | 0.7875% | 3,411 |
| Return on assets (ROA) | 0.7875% | 3,546 |
| Pretax return on assets | 1.0151% | 3,449 |
| Return on Equity (ROE) | 7.3294% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.3294% | 1,718 |
| Net charge-offs to loans | 0.0584% | 4,071 |
| Credit loss provision to net charge-offs | 36.3636% | 3,778 |
| Earnings coverage of net charge-offs (x) | 50.9828% | 854 |
| Efficiency ratio | 69.6208% | 3,816 |
| Assets per employee ($millions) | 4.8484% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 3,532 |
| Loan loss allowance to noncurrent loans | 3,349.0909% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 5,399 |
| Noncurrent loans to loans | 0.0442% | 6,211 |
| Net loans and leases to total assets | 33.2530% | 6,398 |
| Net loans and leases to deposits | 39.0975% | 6,414 |
| Net loans and leases to core deposits | 43.0176% | 6,349 |
| Total domestic deposits to total assets | 85.0515% | 3,729 |
| Equity capital to assets | 10.3738% | 3,424 |
| Core capital (leverage) ratio | 10.6455% | 2,843 |
| Tier 1 risk-based capital ratio | 21.9501% | 1,327 |
| Total risk-based capital ratio | 22.9844% | 1,338 |
| Memoranda: | ||
| Average total assets | $365,687,000 | 1,792 |
| Average earning assets | $339,164,750 | 1,768 |
| Average equity | $39,292,750 | 1,789 |
| Average total loans | $125,584,000 | 2,951 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 5,173 |
| Cost of funding earning assets | 0.5889% | 3,045 |
| Net interest margin | 3.1006% | 5,277 |
| Noninterest income to average assets | 0.4710% | 4,018 |
| Noninterest expense to average assets | 2.3451% | 5,227 |
| Loan and lease loss provision to assets | 0.0110% | 4,656 |
| Net operating income to assets | 0.7737% | 3,443 |
| Return on assets (ROA) | 0.7737% | 3,590 |
| Pretax return on assets | 0.9930% | 3,536 |
| Return on Equity (ROE) | 7.1175% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.1175% | 1,837 |
| Net charge-offs to loans | 0.0810% | 3,565 |
| Credit loss provision to net charge-offs | 39.2157% | 3,431 |
| Earnings coverage of net charge-offs (x) | 35.9020% | 1,006 |
| Efficiency ratio | 70.0229% | 3,820 |
| Assets per employee ($millions) | 4.7076% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 3,804 |
| Loan loss allowance to noncurrent loans | 511.3573% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 5,183 |
| Noncurrent loans to loans | 0.2839% | 5,591 |
| Net loans and leases to total assets | 34.5705% | 6,385 |
| Net loans and leases to deposits | 40.7726% | 6,376 |
| Net loans and leases to core deposits | 44.9048% | 6,289 |
| Total domestic deposits to total assets | 84.7886% | 4,001 |
| Equity capital to assets | 10.5191% | 3,277 |
| Core capital (leverage) ratio | 10.4824% | 2,896 |
| Tier 1 risk-based capital ratio | 21.5158% | 1,385 |
| Total risk-based capital ratio | 22.5518% | 1,393 |
| Memoranda: | ||
| Average total assets | $364,756,670 | 1,794 |
| Average earning assets | $338,576,670 | 1,770 |
| Average equity | $39,648,670 | 1,776 |
| Average total loans | $125,988,000 | 2,954 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6293% | 5,364 |
| Cost of funding earning assets | 0.6015% | 3,093 |
| Net interest margin | 3.0277% | 5,491 |
| Noninterest income to average assets | 0.4755% | 3,950 |
| Noninterest expense to average assets | 2.3428% | 5,292 |
| Loan and lease loss provision to assets | 0.0109% | 4,312 |
| Net operating income to assets | 0.7368% | 3,499 |
| Return on assets (ROA) | 0.7368% | 3,634 |
| Pretax return on assets | 0.9336% | 3,641 |
| Return on Equity (ROE) | 6.6719% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.6719% | 2,328 |
| Net charge-offs to loans | 0.0255% | 3,674 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 352 |
| Efficiency ratio | 71.2670% | 3,755 |
| Assets per employee ($millions) | 4.7082% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 3,833 |
| Loan loss allowance to noncurrent loans | 490.6005% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 5,296 |
| Noncurrent loans to loans | 0.3057% | 5,636 |
| Net loans and leases to total assets | 33.6015% | 6,436 |
| Net loans and leases to deposits | 40.0631% | 6,411 |
| Net loans and leases to core deposits | 43.3292% | 6,348 |
| Total domestic deposits to total assets | 83.8713% | 4,532 |
| Equity capital to assets | 11.0383% | 2,916 |
| Core capital (leverage) ratio | 10.3549% | 2,959 |
| Tier 1 risk-based capital ratio | 20.8848% | 1,563 |
| Total risk-based capital ratio | 21.9284% | 1,583 |
| Memoranda: | ||
| Average total assets | $365,892,500 | 1,803 |
| Average earning assets | $339,794,500 | 1,778 |
| Average equity | $40,408,000 | 1,760 |
| Average total loans | $125,402,500 | 2,978 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 5,241 |
| Cost of funding earning assets | 0.7229% | 3,301 |
| Net interest margin | 3.2970% | 5,256 |
| Noninterest income to average assets | 0.4682% | 4,113 |
| Noninterest expense to average assets | 2.3698% | 5,499 |
| Loan and lease loss provision to assets | 0.0100% | 5,794 |
| Net operating income to assets | 0.9002% | 2,817 |
| Return on assets (ROA) | 0.9075% | 3,022 |
| Pretax return on assets | 1.1508% | 2,987 |
| Return on Equity (ROE) | 8.3328% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.1914% | 1,479 |
| Net charge-offs to loans | 0.0280% | 5,506 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 114.7778% | 334 |
| Efficiency ratio | 67.2972% | 4,268 |
| Assets per employee ($millions) | 4.5568% | 2,870 |
| Cash dividends to net income (ytd only)* | 13.6978% | 3,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 3,763 |
| Loan loss allowance to noncurrent loans | 462.3153% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 5,372 |
| Noncurrent loans to loans | 0.3234% | 5,676 |
| Net loans and leases to total assets | 33.9193% | 6,549 |
| Net loans and leases to deposits | 40.5149% | 6,526 |
| Net loans and leases to core deposits | 43.5251% | 6,487 |
| Total domestic deposits to total assets | 83.7205% | 4,428 |
| Equity capital to assets | 11.0491% | 2,891 |
| Core capital (leverage) ratio | 10.1276% | 3,239 |
| Tier 1 risk-based capital ratio | 20.7346% | 1,518 |
| Total risk-based capital ratio | 21.8884% | 1,506 |
| Memoranda: | ||
| Average total assets | $358,803,000 | 1,810 |
| Average earning assets | $332,267,200 | 1,779 |
| Average equity | $39,074,400 | 1,781 |
| Average total loans | $128,383,800 | 2,911 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 5,106 |
| Cost of funding earning assets | 0.7503% | 3,347 |
| Net interest margin | 3.3717% | 5,132 |
| Noninterest income to average assets | 0.4365% | 4,381 |
| Noninterest expense to average assets | 2.4020% | 5,394 |
| Loan and lease loss provision to assets | 0.0131% | 5,651 |
| Net operating income to assets | 0.9178% | 2,895 |
| Return on assets (ROA) | 0.9238% | 3,084 |
| Pretax return on assets | 1.1510% | 3,154 |
| Return on Equity (ROE) | 8.5142% | 3,040 |
| Retained earnings to average equity (ytd only) | 8.5142% | 1,405 |
| Net charge-offs to loans | 0.0310% | 5,216 |
| Credit loss provision to net charge-offs | 116.6667% | 2,493 |
| Earnings coverage of net charge-offs (x) | 103.3308% | 413 |
| Efficiency ratio | 67.4984% | 4,177 |
| Assets per employee ($millions) | 4.5776% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 3,998 |
| Loan loss allowance to noncurrent loans | 487.5648% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 5,511 |
| Noncurrent loans to loans | 0.3055% | 5,877 |
| Net loans and leases to total assets | 34.4131% | 6,638 |
| Net loans and leases to deposits | 41.2340% | 6,634 |
| Net loans and leases to core deposits | 44.5153% | 6,577 |
| Total domestic deposits to total assets | 83.4580% | 4,455 |
| Equity capital to assets | 11.1600% | 3,082 |
| Core capital (leverage) ratio | 10.1376% | 3,358 |
| Tier 1 risk-based capital ratio | 20.8810% | 1,556 |
| Total risk-based capital ratio | 21.9548% | 1,561 |
| Memoranda: | ||
| Average total assets | $357,367,500 | 1,842 |
| Average earning assets | $330,898,750 | 1,810 |
| Average equity | $38,773,250 | 1,810 |
| Average total loans | $129,097,750 | 2,935 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 5,026 |
| Cost of funding earning assets | 0.7828% | 3,336 |
| Net interest margin | 3.3973% | 5,100 |
| Noninterest income to average assets | 0.4208% | 4,495 |
| Noninterest expense to average assets | 2.4144% | 5,404 |
| Loan and lease loss provision to assets | 0.0169% | 5,454 |
| Net operating income to assets | 0.9186% | 2,816 |
| Return on assets (ROA) | 0.9277% | 3,036 |
| Pretax return on assets | 1.1440% | 3,139 |
| Return on Equity (ROE) | 8.6338% | 2,973 |
| Retained earnings to average equity (ytd only) | 8.6338% | 1,404 |
| Net charge-offs to loans | 0.0369% | 4,860 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 85.2500% | 482 |
| Efficiency ratio | 67.7440% | 4,180 |
| Assets per employee ($millions) | 4.6135% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 4,147 |
| Loan loss allowance to noncurrent loans | 588.4375% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 5,600 |
| Noncurrent loans to loans | 0.2503% | 6,077 |
| Net loans and leases to total assets | 35.0077% | 6,667 |
| Net loans and leases to deposits | 41.8057% | 6,661 |
| Net loans and leases to core deposits | 45.4716% | 6,595 |
| Total domestic deposits to total assets | 83.7391% | 4,426 |
| Equity capital to assets | 10.8900% | 3,239 |
| Core capital (leverage) ratio | 9.9551% | 3,481 |
| Tier 1 risk-based capital ratio | 20.2243% | 1,655 |
| Total risk-based capital ratio | 21.2890% | 1,663 |
| Memoranda: | ||
| Average total assets | $355,946,670 | 1,847 |
| Average earning assets | $329,316,670 | 1,825 |
| Average equity | $38,245,000 | 1,829 |
| Average total loans | $130,020,330 | 2,927 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 5,104 |
| Cost of funding earning assets | 0.8159% | 3,345 |
| Net interest margin | 3.3842% | 5,180 |
| Noninterest income to average assets | 0.3864% | 4,775 |
| Noninterest expense to average assets | 2.3673% | 5,579 |
| Loan and lease loss provision to assets | 0.0226% | 5,055 |
| Net operating income to assets | 0.8974% | 2,933 |
| Return on assets (ROA) | 0.9153% | 3,066 |
| Pretax return on assets | 1.1593% | 3,073 |
| Return on Equity (ROE) | 8.5774% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.5774% | 1,747 |
| Net charge-offs to loans | 0.0671% | 3,817 |
| Credit loss provision to net charge-offs | 90.9091% | 2,531 |
| Earnings coverage of net charge-offs (x) | 46.6364% | 669 |
| Efficiency ratio | 67.1259% | 4,335 |
| Assets per employee ($millions) | 4.5054% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 4,390 |
| Loan loss allowance to noncurrent loans | 1,464.8438% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 5,681 |
| Noncurrent loans to loans | 0.0988% | 6,511 |
| Net loans and leases to total assets | 35.4307% | 6,659 |
| Net loans and leases to deposits | 42.5141% | 6,633 |
| Net loans and leases to core deposits | 45.9125% | 6,575 |
| Total domestic deposits to total assets | 83.3388% | 4,798 |
| Equity capital to assets | 10.6212% | 3,360 |
| Core capital (leverage) ratio | 9.9191% | 3,472 |
| Tier 1 risk-based capital ratio | 19.0232% | 1,983 |
| Total risk-based capital ratio | 20.0443% | 2,020 |
| Memoranda: | ||
| Average total assets | $353,994,000 | 1,869 |
| Average earning assets | $328,467,000 | 1,836 |
| Average equity | $37,773,500 | 1,844 |
| Average total loans | $131,101,000 | 2,922 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 4,981 |
| Cost of funding earning assets | 0.8841% | 4,227 |
| Net interest margin | 3.6390% | 4,574 |
| Noninterest income to average assets | 0.5415% | 3,573 |
| Noninterest expense to average assets | 2.3569% | 5,891 |
| Loan and lease loss provision to assets | 0.1007% | 5,328 |
| Net operating income to assets | 1.0562% | 1,978 |
| Return on assets (ROA) | 1.0558% | 2,125 |
| Pretax return on assets | 1.4215% | 1,712 |
| Return on Equity (ROE) | 9.5017% | 2,247 |
| Retained earnings to average equity (ytd only) | 8.2279% | 1,007 |
| Net charge-offs to loans | 0.1118% | 5,255 |
| Credit loss provision to net charge-offs | 240.9639% | 1,003 |
| Earnings coverage of net charge-offs (x) | 36.4217% | 723 |
| Efficiency ratio | 60.7505% | 5,641 |
| Assets per employee ($millions) | 4.4650% | 2,974 |
| Cash dividends to net income (ytd only)* | 13.4065% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 5,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 6,009 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 35.7591% | 6,782 |
| Net loans and leases to deposits | 42.1713% | 6,796 |
| Net loans and leases to core deposits | 43.4551% | 6,837 |
| Total domestic deposits to total assets | 84.7949% | 3,963 |
| Equity capital to assets | 11.3139% | 2,673 |
| Core capital (leverage) ratio | 10.2933% | 2,982 |
| Tier 1 risk-based capital ratio | 20.8616% | 1,445 |
| Total risk-based capital ratio | 21.7983% | 1,475 |
| Memoranda: | ||
| Average total assets | $198,522,400 | 3,072 |
| Average earning assets | $182,112,800 | 3,062 |
| Average equity | $22,059,200 | 2,886 |
| Average total loans | $74,235,200 | 4,340 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 5,058 |
| Cost of funding earning assets | 0.9018% | 4,382 |
| Net interest margin | 3.6548% | 4,547 |
| Noninterest income to average assets | 0.5655% | 3,404 |
| Noninterest expense to average assets | 2.3445% | 5,922 |
| Loan and lease loss provision to assets | 0.1226% | 4,903 |
| Net operating income to assets | 1.0586% | 2,108 |
| Return on assets (ROA) | 1.0581% | 2,252 |
| Pretax return on assets | 1.4390% | 1,820 |
| Return on Equity (ROE) | 9.5692% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.5692% | 962 |
| Net charge-offs to loans | 0.1482% | 4,587 |
| Credit loss provision to net charge-offs | 219.5122% | 1,300 |
| Earnings coverage of net charge-offs (x) | 27.9636% | 976 |
| Efficiency ratio | 60.0105% | 5,720 |
| Assets per employee ($millions) | 4.6965% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 5,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 6,023 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 35.6765% | 6,882 |
| Net loans and leases to deposits | 42.1861% | 6,903 |
| Net loans and leases to core deposits | 43.3001% | 6,940 |
| Total domestic deposits to total assets | 84.5693% | 3,981 |
| Equity capital to assets | 11.4640% | 2,715 |
| Core capital (leverage) ratio | 10.6256% | 2,731 |
| Tier 1 risk-based capital ratio | 20.8079% | 1,495 |
| Total risk-based capital ratio | 21.7351% | 1,541 |
| Memoranda: | ||
| Average total assets | $195,688,750 | 3,124 |
| Average earning assets | $178,900,750 | 3,128 |
| Average equity | $21,638,250 | 2,924 |
| Average total loans | $73,790,750 | 4,391 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 5,251 |
| Cost of funding earning assets | 0.9231% | 4,496 |
| Net interest margin | 3.6107% | 4,681 |
| Noninterest income to average assets | 0.5593% | 3,408 |
| Noninterest expense to average assets | 2.3548% | 5,982 |
| Loan and lease loss provision to assets | 0.1250% | 4,727 |
| Net operating income to assets | 1.0339% | 2,092 |
| Return on assets (ROA) | 1.0331% | 2,191 |
| Pretax return on assets | 1.3904% | 1,817 |
| Return on Equity (ROE) | 9.4682% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.4682% | 969 |
| Net charge-offs to loans | 0.2204% | 3,805 |
| Credit loss provision to net charge-offs | 148.1481% | 2,062 |
| Earnings coverage of net charge-offs (x) | 17.9753% | 1,276 |
| Efficiency ratio | 60.8286% | 5,756 |
| Assets per employee ($millions) | 4.3480% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 5,548 |
| Loan loss allowance to noncurrent loans | 17,840.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 6,025 |
| Noncurrent loans to loans | 0.0067% | 6,996 |
| Net loans and leases to total assets | 37.5817% | 6,882 |
| Net loans and leases to deposits | 43.6996% | 6,930 |
| Net loans and leases to core deposits | 44.8974% | 6,982 |
| Total domestic deposits to total assets | 86.0001% | 3,330 |
| Equity capital to assets | 11.3575% | 2,639 |
| Core capital (leverage) ratio | 10.7566% | 2,463 |
| Tier 1 risk-based capital ratio | 20.9759% | 1,422 |
| Total risk-based capital ratio | 21.8763% | 1,464 |
| Memoranda: | ||
| Average total assets | $192,036,330 | 3,197 |
| Average earning assets | $176,142,330 | 3,182 |
| Average equity | $20,954,330 | 3,004 |
| Average total loans | $73,496,000 | 4,443 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 5,398 |
| Cost of funding earning assets | 0.9397% | 4,652 |
| Net interest margin | 3.5416% | 4,842 |
| Noninterest income to average assets | 0.5614% | 3,425 |
| Noninterest expense to average assets | 2.3677% | 5,994 |
| Loan and lease loss provision to assets | 0.1262% | 4,421 |
| Net operating income to assets | 0.9920% | 2,207 |
| Return on assets (ROA) | 0.9904% | 2,270 |
| Pretax return on assets | 1.3226% | 1,970 |
| Return on Equity (ROE) | 9.2714% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.2714% | 1,296 |
| Net charge-offs to loans | 0.3834% | 2,539 |
| Credit loss provision to net charge-offs | 85.7143% | 3,025 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 1,682 |
| Efficiency ratio | 62.0044% | 5,677 |
| Assets per employee ($millions) | 4.3597% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,696 |
| Loan loss allowance to noncurrent loans | 2,479.4118% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 6,062 |
| Noncurrent loans to loans | 0.0478% | 6,930 |
| Net loans and leases to total assets | 36.6127% | 6,975 |
| Net loans and leases to deposits | 42.2408% | 7,013 |
| Net loans and leases to core deposits | 43.7510% | 7,046 |
| Total domestic deposits to total assets | 86.6760% | 3,134 |
| Equity capital to assets | 10.7759% | 2,898 |
| Core capital (leverage) ratio | 10.5906% | 2,515 |
| Tier 1 risk-based capital ratio | 20.8649% | 1,421 |
| Total risk-based capital ratio | 21.7330% | 1,462 |
| Memoranda: | ||
| Average total assets | $190,225,000 | 3,245 |
| Average earning assets | $174,951,500 | 3,224 |
| Average equity | $20,320,500 | 3,068 |
| Average total loans | $73,032,000 | 4,511 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 5,140 |
| Cost of funding earning assets | 1.1135% | 5,063 |
| Net interest margin | 3.7610% | 4,104 |
| Noninterest income to average assets | 0.6168% | 3,365 |
| Noninterest expense to average assets | 2.4716% | 5,888 |
| Loan and lease loss provision to assets | 0.1910% | 5,323 |
| Net operating income to assets | 1.0740% | 1,781 |
| Return on assets (ROA) | 1.0740% | 1,878 |
| Pretax return on assets | 1.3992% | 1,669 |
| Return on Equity (ROE) | 9.9050% | 1,965 |
| Retained earnings to average equity (ytd only) | 8.5028% | 838 |
| Net charge-offs to loans | 0.4277% | 3,911 |
| Credit loss provision to net charge-offs | 110.6583% | 3,978 |
| Earnings coverage of net charge-offs (x) | 9.2132% | 1,851 |
| Efficiency ratio | 60.8499% | 5,919 |
| Assets per employee ($millions) | 4.2869% | 3,238 |
| Cash dividends to net income (ytd only)* | 14.1562% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 5,791 |
| Loan loss allowance to noncurrent loans | 609.2857% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 6,247 |
| Noncurrent loans to loans | 0.1867% | 6,696 |
| Net loans and leases to total assets | 39.3033% | 7,009 |
| Net loans and leases to deposits | 44.9516% | 7,086 |
| Net loans and leases to core deposits | 47.3673% | 7,101 |
| Total domestic deposits to total assets | 87.4347% | 2,590 |
| Equity capital to assets | 10.5873% | 3,077 |
| Core capital (leverage) ratio | 10.2405% | 2,822 |
| Tier 1 risk-based capital ratio | 19.9570% | 1,495 |
| Total risk-based capital ratio | 20.8173% | 1,549 |
| Memoranda: | ||
| Average total assets | $184,819,600 | 3,299 |
| Average earning assets | $169,288,600 | 3,296 |
| Average equity | $20,040,400 | 3,142 |
| Average total loans | $74,588,600 | 4,502 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 5,288 |
| Cost of funding earning assets | 1.1367% | 5,215 |
| Net interest margin | 3.7590% | 4,148 |
| Noninterest income to average assets | 0.6091% | 3,381 |
| Noninterest expense to average assets | 2.4705% | 5,819 |
| Loan and lease loss provision to assets | 0.2125% | 4,940 |
| Net operating income to assets | 1.0638% | 2,023 |
| Return on assets (ROA) | 1.0638% | 2,137 |
| Pretax return on assets | 1.3647% | 1,991 |
| Return on Equity (ROE) | 9.7515% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.7515% | 853 |
| Net charge-offs to loans | 0.5620% | 3,070 |
| Credit loss provision to net charge-offs | 93.3121% | 4,648 |
| Earnings coverage of net charge-offs (x) | 6.9267% | 2,421 |
| Efficiency ratio | 61.0355% | 5,791 |
| Assets per employee ($millions) | 4.3706% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 6,139 |
| Loan loss allowance to noncurrent loans | 466.6667% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 6,380 |
| Noncurrent loans to loans | 0.2260% | 6,727 |
| Net loans and leases to total assets | 38.9296% | 7,133 |
| Net loans and leases to deposits | 45.2553% | 7,193 |
| Net loans and leases to core deposits | 47.4153% | 7,222 |
| Total domestic deposits to total assets | 86.0223% | 3,060 |
| Equity capital to assets | 11.0163% | 2,944 |
| Core capital (leverage) ratio | 10.4290% | 2,766 |
| Tier 1 risk-based capital ratio | 19.4949% | 1,644 |
| Total risk-based capital ratio | 20.2905% | 1,702 |
| Memoranda: | ||
| Average total assets | $183,868,750 | 3,363 |
| Average earning assets | $168,195,250 | 3,354 |
| Average equity | $20,058,000 | 3,184 |
| Average total loans | $74,488,750 | 4,584 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 4,996 |
| Cost of funding earning assets | 1.1635% | 5,323 |
| Net interest margin | 3.8240% | 3,793 |
| Noninterest income to average assets | 0.6131% | 3,236 |
| Noninterest expense to average assets | 2.4788% | 5,801 |
| Loan and lease loss provision to assets | 0.2574% | 4,361 |
| Net operating income to assets | 1.0461% | 2,027 |
| Return on assets (ROA) | 1.0461% | 2,099 |
| Pretax return on assets | 1.3620% | 1,917 |
| Return on Equity (ROE) | 9.6228% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.6228% | 933 |
| Net charge-offs to loans | 0.8421% | 2,141 |
| Credit loss provision to net charge-offs | 74.6795% | 4,845 |
| Earnings coverage of net charge-offs (x) | 4.6987% | 2,877 |
| Efficiency ratio | 60.4852% | 5,966 |
| Assets per employee ($millions) | 3.9301% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 6,386 |
| Loan loss allowance to noncurrent loans | 467.7215% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 6,381 |
| Noncurrent loans to loans | 0.2144% | 6,820 |
| Net loans and leases to total assets | 39.4959% | 7,198 |
| Net loans and leases to deposits | 46.0676% | 7,246 |
| Net loans and leases to core deposits | 48.2516% | 7,275 |
| Total domestic deposits to total assets | 85.7346% | 3,241 |
| Equity capital to assets | 11.2028% | 2,687 |
| Core capital (leverage) ratio | 10.3453% | 2,778 |
| Tier 1 risk-based capital ratio | 19.4880% | 1,609 |
| Total risk-based capital ratio | 20.2447% | 1,687 |
| Memoranda: | ||
| Average total assets | $181,056,330 | 3,429 |
| Average earning assets | $165,012,330 | 3,426 |
| Average equity | $19,682,330 | 3,217 |
| Average total loans | $74,097,670 | 4,638 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 4,751 |
| Cost of funding earning assets | 1.2047% | 5,384 |
| Net interest margin | 3.8516% | 3,558 |
| Noninterest income to average assets | 0.6070% | 3,235 |
| Noninterest expense to average assets | 2.4661% | 5,853 |
| Loan and lease loss provision to assets | 0.2120% | 4,391 |
| Net operating income to assets | 1.1092% | 1,801 |
| Return on assets (ROA) | 1.1092% | 1,884 |
| Pretax return on assets | 1.4395% | 1,671 |
| Return on Equity (ROE) | 10.3666% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.3666% | 1,073 |
| Net charge-offs to loans | 0.5760% | 2,362 |
| Credit loss provision to net charge-offs | 88.7850% | 3,686 |
| Earnings coverage of net charge-offs (x) | 6.9159% | 2,149 |
| Efficiency ratio | 59.8916% | 6,195 |
| Assets per employee ($millions) | 3.9619% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 6,138 |
| Loan loss allowance to noncurrent loans | 203.7879% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 5,983 |
| Noncurrent loans to loans | 0.5263% | 6,237 |
| Net loans and leases to total assets | 40.8448% | 7,197 |
| Net loans and leases to deposits | 47.9561% | 7,238 |
| Net loans and leases to core deposits | 50.2752% | 7,272 |
| Total domestic deposits to total assets | 85.1711% | 3,573 |
| Equity capital to assets | 10.8919% | 2,853 |
| Core capital (leverage) ratio | 10.4560% | 2,662 |
| Tier 1 risk-based capital ratio | 19.0641% | 1,706 |
| Total risk-based capital ratio | 19.8921% | 1,769 |
| Memoranda: | ||
| Average total assets | $179,228,000 | 3,509 |
| Average earning assets | $163,362,000 | 3,506 |
| Average equity | $19,177,000 | 3,308 |
| Average total loans | $74,300,000 | 4,702 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4156% | 4,622 |
| Cost of funding earning assets | 1.4753% | 5,611 |
| Net interest margin | 3.9403% | 3,115 |
| Noninterest income to average assets | 0.7884% | 2,462 |
| Noninterest expense to average assets | 2.7073% | 5,356 |
| Loan and lease loss provision to assets | 0.1740% | 5,956 |
| Net operating income to assets | 1.1841% | 1,290 |
| Return on assets (ROA) | 1.1841% | 1,334 |
| Pretax return on assets | 1.4872% | 1,215 |
| Return on Equity (ROE) | 11.2969% | 1,356 |
| Retained earnings to average equity (ytd only) | 9.7160% | 398 |
| Net charge-offs to loans | 0.2494% | 5,063 |
| Credit loss provision to net charge-offs | 167.6136% | 2,572 |
| Earnings coverage of net charge-offs (x) | 16.0057% | 1,277 |
| Efficiency ratio | 61.9735% | 6,160 |
| Assets per employee ($millions) | 3.8307% | 4,205 |
| Cash dividends to net income (ytd only)* | 13.9940% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 5,828 |
| Loan loss allowance to noncurrent loans | 166.4634% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 5,738 |
| Noncurrent loans to loans | 0.6707% | 5,893 |
| Net loans and leases to total assets | 41.1645% | 7,292 |
| Net loans and leases to deposits | 48.0807% | 7,353 |
| Net loans and leases to core deposits | 56.0643% | 7,401 |
| Total domestic deposits to total assets | 85.6155% | 3,216 |
| Equity capital to assets | 10.5011% | 3,179 |
| Core capital (leverage) ratio | 10.2275% | 2,854 |
| Tier 1 risk-based capital ratio | 18.8332% | 1,692 |
| Total risk-based capital ratio | 19.6861% | 1,728 |
| Memoranda: | ||
| Average total assets | $169,578,600 | 3,622 |
| Average earning assets | $154,073,400 | 3,636 |
| Average equity | $17,774,800 | 3,535 |
| Average total loans | $70,561,600 | 4,852 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4549% | 4,660 |
| Cost of funding earning assets | 1.5319% | 5,708 |
| Net interest margin | 3.9229% | 3,147 |
| Noninterest income to average assets | 0.8496% | 2,205 |
| Noninterest expense to average assets | 2.6536% | 5,514 |
| Loan and lease loss provision to assets | 0.1548% | 5,800 |
| Net operating income to assets | 1.2966% | 1,228 |
| Return on assets (ROA) | 1.2966% | 1,305 |
| Pretax return on assets | 1.6055% | 1,164 |
| Return on Equity (ROE) | 12.3762% | 1,272 |
| Retained earnings to average equity (ytd only) | 12.3762% | 311 |
| Net charge-offs to loans | 0.1374% | 5,326 |
| Credit loss provision to net charge-offs | 270.8333% | 1,568 |
| Earnings coverage of net charge-offs (x) | 30.7909% | 922 |
| Efficiency ratio | 60.1187% | 6,397 |
| Assets per employee ($millions) | 3.8760% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 5,426 |
| Loan loss allowance to noncurrent loans | 470.2857% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 6,360 |
| Noncurrent loans to loans | 0.2440% | 6,893 |
| Net loans and leases to total assets | 40.6445% | 7,428 |
| Net loans and leases to deposits | 47.7298% | 7,506 |
| Net loans and leases to core deposits | 56.7466% | 7,521 |
| Total domestic deposits to total assets | 85.1555% | 3,150 |
| Equity capital to assets | 10.9166% | 3,096 |
| Core capital (leverage) ratio | 10.4155% | 2,861 |
| Tier 1 risk-based capital ratio | 19.3105% | 1,682 |
| Total risk-based capital ratio | 20.1938% | 1,719 |
| Memoranda: | ||
| Average total assets | $167,920,750 | 3,666 |
| Average earning assets | $152,569,000 | 3,681 |
| Average equity | $17,592,500 | 3,595 |
| Average total loans | $69,863,250 | 4,921 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 4,772 |
| Cost of funding earning assets | 1.5903% | 5,777 |
| Net interest margin | 3.8816% | 3,200 |
| Noninterest income to average assets | 0.6467% | 3,370 |
| Noninterest expense to average assets | 2.6944% | 5,402 |
| Loan and lease loss provision to assets | 0.1327% | 5,764 |
| Net operating income to assets | 1.0534% | 1,937 |
| Return on assets (ROA) | 1.0534% | 2,010 |
| Pretax return on assets | 1.3478% | 1,886 |
| Return on Equity (ROE) | 10.2048% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.2048% | 686 |
| Net charge-offs to loans | 0.0404% | 5,903 |
| Credit loss provision to net charge-offs | 785.7143% | 597 |
| Earnings coverage of net charge-offs (x) | 87.6429% | 440 |
| Efficiency ratio | 64.5376% | 5,797 |
| Assets per employee ($millions) | 3.8789% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,354 |
| Loan loss allowance to noncurrent loans | 123.2198% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 5,652 |
| Noncurrent loans to loans | 0.9220% | 5,373 |
| Net loans and leases to total assets | 40.5859% | 7,519 |
| Net loans and leases to deposits | 46.9569% | 7,600 |
| Net loans and leases to core deposits | 55.1664% | 7,628 |
| Total domestic deposits to total assets | 86.4323% | 2,549 |
| Equity capital to assets | 10.1799% | 3,743 |
| Core capital (leverage) ratio | 10.2660% | 3,025 |
| Tier 1 risk-based capital ratio | 19.0156% | 1,778 |
| Total risk-based capital ratio | 19.8941% | 1,805 |
| Memoranda: | ||
| Average total assets | $165,753,670 | 3,711 |
| Average earning assets | $150,660,000 | 3,731 |
| Average equity | $17,109,670 | 3,689 |
| Average total loans | $69,245,670 | 4,988 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5262% | 4,778 |
| Cost of funding earning assets | 1.6562% | 5,789 |
| Net interest margin | 3.8700% | 3,190 |
| Noninterest income to average assets | 0.6736% | 3,046 |
| Noninterest expense to average assets | 2.5794% | 5,534 |
| Loan and lease loss provision to assets | 0.1837% | 4,604 |
| Net operating income to assets | 1.1464% | 1,819 |
| Return on assets (ROA) | 1.1464% | 1,941 |
| Pretax return on assets | 1.4305% | 1,882 |
| Return on Equity (ROE) | 11.0264% | 1,956 |
| Retained earnings to average equity (ytd only) | 11.0264% | 965 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5070% | 6,153 |
| Assets per employee ($millions) | 3.8919% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 5,200 |
| Loan loss allowance to noncurrent loans | 99.8711% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 5,184 |
| Noncurrent loans to loans | 1.1399% | 4,713 |
| Net loans and leases to total assets | 40.2175% | 7,555 |
| Net loans and leases to deposits | 46.8339% | 7,629 |
| Net loans and leases to core deposits | 55.1894% | 7,647 |
| Total domestic deposits to total assets | 85.8727% | 2,788 |
| Equity capital to assets | 10.4105% | 3,560 |
| Core capital (leverage) ratio | 10.2893% | 3,117 |
| Tier 1 risk-based capital ratio | 18.9768% | 1,817 |
| Total risk-based capital ratio | 19.8509% | 1,860 |
| Memoranda: | ||
| Average total assets | $163,295,500 | 3,774 |
| Average earning assets | $148,529,000 | 3,783 |
| Average equity | $16,977,500 | 3,737 |
| Average total loans | $68,836,500 | 5,020 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1683% | 4,678 |
| Cost of funding earning assets | 2.2155% | 5,530 |
| Net interest margin | 3.9528% | 3,346 |
| Noninterest income to average assets | 0.6692% | 3,338 |
| Noninterest expense to average assets | 2.4551% | 6,184 |
| Loan and lease loss provision to assets | 0.3399% | 3,672 |
| Net operating income to assets | 0.9937% | 2,582 |
| Return on assets (ROA) | 0.9609% | 2,614 |
| Pretax return on assets | 1.3966% | 1,981 |
| Return on Equity (ROE) | 9.7431% | 2,344 |
| Retained earnings to average equity (ytd only) | 7.9762% | 851 |
| Net charge-offs to loans | 0.7890% | 1,577 |
| Credit loss provision to net charge-offs | 105.3640% | 5,082 |
| Earnings coverage of net charge-offs (x) | 5.5307% | 3,616 |
| Efficiency ratio | 57.9155% | 6,712 |
| Assets per employee ($millions) | 3.5387% | 4,571 |
| Cash dividends to net income (ytd only)* | 18.1350% | 4,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,009 |
| Loan loss allowance to noncurrent loans | 116.6945% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 5,038 |
| Noncurrent loans to loans | 0.8607% | 4,901 |
| Net loans and leases to total assets | 43.2646% | 7,515 |
| Net loans and leases to deposits | 50.4256% | 7,609 |
| Net loans and leases to core deposits | 60.0664% | 7,586 |
| Total domestic deposits to total assets | 85.7989% | 2,496 |
| Equity capital to assets | 10.3824% | 3,634 |
| Core capital (leverage) ratio | 10.2239% | 3,243 |
| Tier 1 risk-based capital ratio | 18.6381% | 1,880 |
| Total risk-based capital ratio | 19.4344% | 1,945 |
| Memoranda: | ||
| Average total assets | $161,826,600 | 3,690 |
| Average earning assets | $146,150,400 | 3,720 |
| Average equity | $15,960,000 | 3,936 |
| Average total loans | $66,160,000 | 5,013 |