Home > East Wisconsin Savings Bank > Performance and Condition Ratios
East Wisconsin Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 4,229 |
| Cost of funding earning assets | 2.5924% | 727 |
| Net interest margin | 1.4964% | 4,379 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 2.7194% | 1,701 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | -0.7013% | 4,341 |
| Return on assets (ROA) | -0.7013% | 4,370 |
| Pretax return on assets | -1.0011% | 4,392 |
| Return on Equity (ROE) | -13.4200% | 4,404 |
| Retained earnings to average equity (ytd only) | -13.4224% | 4,313 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 143.4547% | 85 |
| Assets per employee ($millions) | 6.2923% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6229% | 4,139 |
| Loan loss allowance to noncurrent loans | 10,818.1818% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,753 |
| Noncurrent loans to loans | 0.0058% | 3,724 |
| Net loans and leases to total assets | 68.5700% | 2,007 |
| Net loans and leases to deposits | 81.5619% | 1,920 |
| Net loans and leases to core deposits | 93.7208% | 1,789 |
| Total domestic deposits to total assets | 84.0800% | 2,876 |
| Equity capital to assets | 5.2037% | 4,349 |
| Core capital (leverage) ratio | 6.6284% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8421% | 2,539 |
| Memoranda: | ||
| Average total assets | $274,910,000 | 2,602 |
| Average earning assets | $254,740,500 | 2,599 |
| Average equity | $14,364,000 | 3,428 |
| Average total loans | $189,307,000 | 2,482 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 4,311 |
| Cost of funding earning assets | 2.5706% | 1,019 |
| Net interest margin | 1.3653% | 4,391 |
| Noninterest income to average assets | 0.6600% | 1,305 |
| Noninterest expense to average assets | 2.7393% | 1,657 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | -0.6157% | 4,363 |
| Return on assets (ROA) | -0.6157% | 4,392 |
| Pretax return on assets | -0.8833% | 4,410 |
| Return on Equity (ROE) | -13.5500% | 4,428 |
| Retained earnings to average equity (ytd only) | -13.5504% | 4,423 |
| Net charge-offs to loans | 0.0089% | 2,583 |
| Credit loss provision to net charge-offs | 531.2500% | 605 |
| Earnings coverage of net charge-offs (x) | -137.2500% | 4,505 |
| Efficiency ratio | 141.7186% | 93 |
| Assets per employee ($millions) | 5.9324% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6003% | 4,192 |
| Loan loss allowance to noncurrent loans | 8,661.5385% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,750 |
| Noncurrent loans to loans | 0.0069% | 3,719 |
| Net loans and leases to total assets | 68.3200% | 2,104 |
| Net loans and leases to deposits | 80.2278% | 2,119 |
| Net loans and leases to core deposits | 91.2929% | 2,021 |
| Total domestic deposits to total assets | 85.1600% | 2,480 |
| Equity capital to assets | 5.2515% | 4,321 |
| Core capital (leverage) ratio | 7.1666% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9871% | 2,226 |
| Memoranda: | ||
| Average total assets | $267,511,800 | 2,610 |
| Average earning assets | $247,414,400 | 2,605 |
| Average equity | $12,154,600 | 3,586 |
| Average total loans | $180,620,200 | 2,509 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,364 |
| Cost of funding earning assets | 2.4888% | 1,105 |
| Net interest margin | 1.3501% | 4,447 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.7236% | 1,625 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | -0.6234% | 4,426 |
| Return on assets (ROA) | -0.6234% | 4,455 |
| Pretax return on assets | -0.8925% | 4,466 |
| Return on Equity (ROE) | -15.8400% | 4,487 |
| Retained earnings to average equity (ytd only) | -15.8373% | 4,481 |
| Net charge-offs to loans | 0.0101% | 2,034 |
| Credit loss provision to net charge-offs | 1,333.3333% | 322 |
| Earnings coverage of net charge-offs (x) | -118.2222% | 4,554 |
| Efficiency ratio | 140.8788% | 92 |
| Assets per employee ($millions) | 5.5648% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 4,184 |
| Loan loss allowance to noncurrent loans | 435.8209% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 2,966 |
| Noncurrent loans to loans | 0.1481% | 2,908 |
| Net loans and leases to total assets | 67.3000% | 2,196 |
| Net loans and leases to deposits | 79.9714% | 2,210 |
| Net loans and leases to core deposits | 87.7011% | 2,293 |
| Total domestic deposits to total assets | 84.1600% | 2,574 |
| Equity capital to assets | 3.7962% | 4,478 |
| Core capital (leverage) ratio | 5.9039% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8227% | 2,807 |
| Memoranda: | ||
| Average total assets | $265,309,333 | 2,612 |
| Average earning assets | $245,018,000 | 2,618 |
| Average equity | $10,443,667 | 3,730 |
| Average total loans | $177,639,333 | 2,521 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 4,386 |
| Cost of funding earning assets | 2.4095% | 1,157 |
| Net interest margin | 1.3612% | 4,472 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 2.7700% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.5613% | 4,475 |
| Return on assets (ROA) | -0.5613% | 4,458 |
| Pretax return on assets | -0.8033% | 4,476 |
| Return on Equity (ROE) | -14.0100% | 4,503 |
| Retained earnings to average equity (ytd only) | -14.0059% | 4,385 |
| Net charge-offs to loans | 0.0205% | 1,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | -59.0000% | 4,576 |
| Efficiency ratio | 140.0000% | 72 |
| Assets per employee ($millions) | 6.2003% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 4,243 |
| Loan loss allowance to noncurrent loans | 903.4483% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 3,393 |
| Noncurrent loans to loans | 0.0657% | 3,299 |
| Net loans and leases to total assets | 65.8200% | 2,252 |
| Net loans and leases to deposits | 75.6571% | 2,454 |
| Net loans and leases to core deposits | 82.6751% | 2,530 |
| Total domestic deposits to total assets | 87.0000% | 1,774 |
| Equity capital to assets | 3.9173% | 4,477 |
| Core capital (leverage) ratio | 6.1712% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3598% | 2,743 |
| Memoranda: | ||
| Average total assets | $264,408,500 | 2,624 |
| Average earning assets | $244,205,000 | 2,629 |
| Average equity | $10,595,500 | 3,725 |
| Average total loans | $175,991,500 | 2,531 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 4,345 |
| Cost of funding earning assets | 1.7460% | 1,367 |
| Net interest margin | 1.8651% | 4,451 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.7424% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.2951% | 4,485 |
| Return on assets (ROA) | -0.2951% | 4,469 |
| Pretax return on assets | -0.4313% | 4,477 |
| Return on Equity (ROE) | -8.9100% | 4,496 |
| Retained earnings to average equity (ytd only) | -8.9113% | 4,454 |
| Net charge-offs to loans | -0.0011% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 117.7469% | 81 |
| Assets per employee ($millions) | 5.9259% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5181% | 4,325 |
| Loan loss allowance to noncurrent loans | 5,061.1111% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,751 |
| Noncurrent loans to loans | 0.0102% | 3,689 |
| Net loans and leases to total assets | 67.0900% | 2,137 |
| Net loans and leases to deposits | 75.5463% | 2,495 |
| Net loans and leases to core deposits | 81.9098% | 2,589 |
| Total domestic deposits to total assets | 88.8000% | 1,121 |
| Equity capital to assets | 3.5737% | 4,522 |
| Core capital (leverage) ratio | 6.7827% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5597% | 2,395 |
| Memoranda: | ||
| Average total assets | $265,027,800 | 2,596 |
| Average earning assets | $247,712,800 | 2,589 |
| Average equity | $8,775,400 | 3,842 |
| Average total loans | $177,293,600 | 2,472 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 4,353 |
| Cost of funding earning assets | 1.5908% | 1,387 |
| Net interest margin | 1.9521% | 4,456 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.4633% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0204% | 4,445 |
| Return on assets (ROA) | -0.0204% | 4,425 |
| Pretax return on assets | -0.0591% | 4,430 |
| Return on Equity (ROE) | -0.4900% | 4,412 |
| Retained earnings to average equity (ytd only) | -0.4947% | 4,211 |
| Net charge-offs to loans | 0.0158% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -5.6667% | 4,586 |
| Efficiency ratio | 101.7968% | 156 |
| Assets per employee ($millions) | 6.0979% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5024% | 4,346 |
| Loan loss allowance to noncurrent loans | 4,673.6842% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,784 |
| Noncurrent loans to loans | 0.0107% | 3,719 |
| Net loans and leases to total assets | 67.0700% | 2,156 |
| Net loans and leases to deposits | 74.9209% | 2,499 |
| Net loans and leases to core deposits | 81.2263% | 2,516 |
| Total domestic deposits to total assets | 89.5300% | 1,060 |
| Equity capital to assets | 4.1261% | 4,391 |
| Core capital (leverage) ratio | 6.8483% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9003% | 2,299 |
| Memoranda: | ||
| Average total assets | $268,520,250 | 2,589 |
| Average earning assets | $250,933,750 | 2,570 |
| Average equity | $11,050,750 | 3,610 |
| Average total loans | $177,659,250 | 2,470 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 4,342 |
| Cost of funding earning assets | 1.4338% | 1,371 |
| Net interest margin | 2.0688% | 4,469 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.3945% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0052% | 4,412 |
| Return on assets (ROA) | 0.0052% | 4,448 |
| Pretax return on assets | -0.0229% | 4,467 |
| Return on Equity (ROE) | 0.1300% | 4,427 |
| Retained earnings to average equity (ytd only) | 0.1258% | 4,046 |
| Net charge-offs to loans | 0.0236% | 1,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -1.4762% | 4,614 |
| Efficiency ratio | 100.3116% | 168 |
| Assets per employee ($millions) | 6.0663% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4929% | 4,380 |
| Loan loss allowance to noncurrent loans | 1,110.0000% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,488 |
| Noncurrent loans to loans | 0.0444% | 3,402 |
| Net loans and leases to total assets | 67.1700% | 2,044 |
| Net loans and leases to deposits | 76.1728% | 2,297 |
| Net loans and leases to core deposits | 81.8793% | 2,345 |
| Total domestic deposits to total assets | 88.1800% | 1,539 |
| Equity capital to assets | 4.2178% | 4,484 |
| Core capital (leverage) ratio | 6.6376% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7223% | 2,393 |
| Memoranda: | ||
| Average total assets | $270,624,000 | 2,584 |
| Average earning assets | $252,896,000 | 2,564 |
| Average equity | $11,128,000 | 3,624 |
| Average total loans | $177,957,667 | 2,466 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4609% | 4,307 |
| Cost of funding earning assets | 1.2662% | 1,307 |
| Net interest margin | 2.1947% | 4,501 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.4677% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0073% | 4,477 |
| Return on assets (ROA) | 0.0073% | 4,461 |
| Pretax return on assets | -0.0191% | 4,472 |
| Return on Equity (ROE) | 0.1800% | 4,439 |
| Retained earnings to average equity (ytd only) | 0.1808% | 3,991 |
| Net charge-offs to loans | -0.0023% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 100.1799% | 168 |
| Assets per employee ($millions) | 5.6931% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5056% | 4,432 |
| Loan loss allowance to noncurrent loans | 1,467.7419% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,571 |
| Noncurrent loans to loans | 0.0344% | 3,502 |
| Net loans and leases to total assets | 65.5300% | 2,107 |
| Net loans and leases to deposits | 73.1432% | 2,370 |
| Net loans and leases to core deposits | 78.5121% | 2,354 |
| Total domestic deposits to total assets | 89.6000% | 1,298 |
| Equity capital to assets | 4.1724% | 4,530 |
| Core capital (leverage) ratio | 6.6354% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5736% | 2,545 |
| Memoranda: | ||
| Average total assets | $272,478,000 | 2,601 |
| Average earning assets | $254,613,000 | 2,584 |
| Average equity | $11,063,000 | 3,668 |
| Average total loans | $176,853,500 | 2,490 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9973% | 4,138 |
| Cost of funding earning assets | 0.6913% | 601 |
| Net interest margin | 2.3061% | 4,429 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.7065% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.0408% | 4,584 |
| Return on assets (ROA) | -1.4521% | 4,671 |
| Pretax return on assets | -2.0217% | 4,683 |
| Return on Equity (ROE) | -28.7800% | 4,699 |
| Retained earnings to average equity (ytd only) | -28.8946% | 4,708 |
| Net charge-offs to loans | 0.0470% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -8.7273% | 4,695 |
| Efficiency ratio | 108.7264% | 93 |
| Assets per employee ($millions) | 5.4337% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5233% | 4,415 |
| Loan loss allowance to noncurrent loans | 2,525.0000% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,742 |
| Noncurrent loans to loans | 0.0207% | 3,661 |
| Net loans and leases to total assets | 63.6000% | 2,281 |
| Net loans and leases to deposits | 68.9457% | 2,670 |
| Net loans and leases to core deposits | 74.1255% | 2,555 |
| Total domestic deposits to total assets | 92.2500% | 572 |
| Equity capital to assets | 3.9472% | 4,524 |
| Core capital (leverage) ratio | 7.1418% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9163% | 2,007 |
| Memoranda: | ||
| Average total assets | $285,647,800 | 2,524 |
| Average earning assets | $265,301,600 | 2,521 |
| Average equity | $14,411,000 | 3,421 |
| Average total loans | $163,802,000 | 2,512 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8623% | 4,113 |
| Cost of funding earning assets | 0.6238% | 385 |
| Net interest margin | 2.2384% | 4,443 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.6681% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.1688% | 4,640 |
| Return on assets (ROA) | -0.1674% | 4,619 |
| Pretax return on assets | -0.2550% | 4,626 |
| Return on Equity (ROE) | -3.1600% | 4,635 |
| Retained earnings to average equity (ytd only) | -3.2957% | 4,547 |
| Net charge-offs to loans | 0.0140% | 1,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -32.7647% | 4,749 |
| Efficiency ratio | 109.7915% | 95 |
| Assets per employee ($millions) | 5.3629% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5756% | 4,402 |
| Loan loss allowance to noncurrent loans | 2,550.0000% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,837 |
| Noncurrent loans to loans | 0.0226% | 3,742 |
| Net loans and leases to total assets | 57.8000% | 2,718 |
| Net loans and leases to deposits | 63.1356% | 2,934 |
| Net loans and leases to core deposits | 68.2987% | 2,773 |
| Total domestic deposits to total assets | 91.5500% | 1,027 |
| Equity capital to assets | 3.4651% | 4,549 |
| Core capital (leverage) ratio | 8.0416% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5044% | 1,087 |
| Memoranda: | ||
| Average total assets | $289,138,500 | 2,522 |
| Average earning assets | $268,453,250 | 2,522 |
| Average equity | $15,332,750 | 3,380 |
| Average total loans | $161,324,750 | 2,537 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7771% | 4,015 |
| Cost of funding earning assets | 0.6072% | 256 |
| Net interest margin | 2.1698% | 4,473 |
| Noninterest income to average assets | 0.3599% | 2,994 |
| Noninterest expense to average assets | 2.5988% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.1516% | 4,630 |
| Return on assets (ROA) | -0.1516% | 4,601 |
| Pretax return on assets | -0.2332% | 4,605 |
| Return on Equity (ROE) | -2.5616% | 4,629 |
| Retained earnings to average equity (ytd only) | -2.5616% | 4,420 |
| Net charge-offs to loans | 0.0226% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -18.7222% | 2,139 |
| Efficiency ratio | 108.9233% | 120 |
| Assets per employee ($millions) | 5.2187% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 4,467 |
| Loan loss allowance to noncurrent loans | 1,195.0617% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,701 |
| Noncurrent loans to loans | 0.0498% | 3,576 |
| Net loans and leases to total assets | 56.3423% | 2,717 |
| Net loans and leases to deposits | 60.7904% | 2,989 |
| Net loans and leases to core deposits | 67.0786% | 2,731 |
| Total domestic deposits to total assets | 92.6829% | 590 |
| Equity capital to assets | 4.4031% | 4,574 |
| Core capital (leverage) ratio | 8.2092% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7230% | 1,032 |
| Memoranda: | ||
| Average total assets | $288,985,000 | 2,540 |
| Average earning assets | $267,115,667 | 2,557 |
| Average equity | $17,098,667 | 3,315 |
| Average total loans | $158,981,667 | 2,558 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7453% | 3,851 |
| Cost of funding earning assets | 0.6289% | 221 |
| Net interest margin | 2.1164% | 4,424 |
| Noninterest income to average assets | 0.3697% | 2,873 |
| Noninterest expense to average assets | 2.5879% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1807% | 4,634 |
| Return on assets (ROA) | -0.1807% | 4,617 |
| Pretax return on assets | -0.2731% | 4,628 |
| Return on Equity (ROE) | -2.7110% | 4,656 |
| Retained earnings to average equity (ytd only) | -2.7110% | 4,293 |
| Net charge-offs to loans | 0.0458% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 1,814 |
| Efficiency ratio | 110.5483% | 129 |
| Assets per employee ($millions) | 5.1541% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6203% | 4,494 |
| Loan loss allowance to noncurrent loans | 1,975.5102% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,887 |
| Noncurrent loans to loans | 0.0314% | 3,763 |
| Net loans and leases to total assets | 53.7297% | 2,795 |
| Net loans and leases to deposits | 59.3680% | 2,963 |
| Net loans and leases to core deposits | 64.6055% | 2,751 |
| Total domestic deposits to total assets | 90.5028% | 1,299 |
| Equity capital to assets | 5.7481% | 4,631 |
| Core capital (leverage) ratio | 8.1801% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2497% | 1,010 |
| Memoranda: | ||
| Average total assets | $289,964,500 | 2,550 |
| Average earning assets | $266,487,000 | 2,574 |
| Average equity | $19,329,000 | 3,206 |
| Average total loans | $157,130,000 | 2,577 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0267% | 3,821 |
| Cost of funding earning assets | 0.7677% | 237 |
| Net interest margin | 2.2590% | 4,449 |
| Noninterest income to average assets | 0.6229% | 2,064 |
| Noninterest expense to average assets | 2.5499% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1385% | 4,586 |
| Return on assets (ROA) | 0.3466% | 4,380 |
| Pretax return on assets | 0.4512% | 4,329 |
| Return on Equity (ROE) | 4.3653% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.3653% | 3,066 |
| Net charge-offs to loans | 0.0284% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 10.7400% | 2,197 |
| Efficiency ratio | 92.1180% | 268 |
| Assets per employee ($millions) | 5.6019% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6232% | 4,528 |
| Loan loss allowance to noncurrent loans | 275.4190% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 3,076 |
| Noncurrent loans to loans | 0.2263% | 2,824 |
| Net loans and leases to total assets | 53.9741% | 2,857 |
| Net loans and leases to deposits | 60.9430% | 2,995 |
| Net loans and leases to core deposits | 66.3873% | 2,785 |
| Total domestic deposits to total assets | 88.5649% | 1,758 |
| Equity capital to assets | 7.5754% | 4,562 |
| Core capital (leverage) ratio | 8.1672% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4398% | 977 |
| Memoranda: | ||
| Average total assets | $285,934,400 | 2,502 |
| Average earning assets | $267,684,000 | 2,506 |
| Average equity | $22,701,600 | 3,006 |
| Average total loans | $176,079,200 | 2,413 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1147% | 3,779 |
| Cost of funding earning assets | 0.7959% | 248 |
| Net interest margin | 2.3188% | 4,474 |
| Noninterest income to average assets | 0.6798% | 1,891 |
| Noninterest expense to average assets | 2.5908% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1918% | 4,633 |
| Return on assets (ROA) | 0.4516% | 4,326 |
| Pretax return on assets | 0.5950% | 4,241 |
| Return on Equity (ROE) | 5.6224% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.6224% | 2,990 |
| Net charge-offs to loans | 0.0170% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 24.6957% | 1,637 |
| Efficiency ratio | 89.9311% | 324 |
| Assets per employee ($millions) | 5.6746% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6055% | 4,631 |
| Loan loss allowance to noncurrent loans | 1,066.3158% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 3,941 |
| Noncurrent loans to loans | 0.0568% | 3,820 |
| Net loans and leases to total assets | 57.4570% | 2,567 |
| Net loans and leases to deposits | 65.2166% | 2,708 |
| Net loans and leases to core deposits | 71.0242% | 2,511 |
| Total domestic deposits to total assets | 88.1018% | 1,777 |
| Equity capital to assets | 7.9566% | 4,543 |
| Core capital (leverage) ratio | 8.1626% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8539% | 1,162 |
| Memoranda: | ||
| Average total assets | $284,593,750 | 2,533 |
| Average earning assets | $267,197,250 | 2,523 |
| Average equity | $22,860,250 | 3,034 |
| Average total loans | $180,546,250 | 2,419 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1902% | 3,694 |
| Cost of funding earning assets | 0.8196% | 267 |
| Net interest margin | 2.3706% | 4,449 |
| Noninterest income to average assets | 0.7294% | 1,720 |
| Noninterest expense to average assets | 2.6022% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2523% | 4,579 |
| Return on assets (ROA) | 0.5074% | 4,251 |
| Pretax return on assets | 0.6721% | 4,119 |
| Return on Equity (ROE) | 6.2970% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.2970% | 2,696 |
| Net charge-offs to loans | 0.0249% | 1,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 21.4783% | 1,507 |
| Efficiency ratio | 87.5239% | 417 |
| Assets per employee ($millions) | 5.5397% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5747% | 4,681 |
| Loan loss allowance to noncurrent loans | 865.8120% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,985 |
| Noncurrent loans to loans | 0.0664% | 3,858 |
| Net loans and leases to total assets | 59.6942% | 2,462 |
| Net loans and leases to deposits | 69.5004% | 2,463 |
| Net loans and leases to core deposits | 75.7810% | 2,261 |
| Total domestic deposits to total assets | 85.8905% | 2,778 |
| Equity capital to assets | 7.8412% | 4,612 |
| Core capital (leverage) ratio | 8.0516% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1025% | 1,313 |
| Memoranda: | ||
| Average total assets | $282,989,667 | 2,539 |
| Average earning assets | $265,248,000 | 2,534 |
| Average equity | $22,804,667 | 3,028 |
| Average total loans | $184,962,667 | 2,393 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1039% | 3,874 |
| Cost of funding earning assets | 0.8681% | 261 |
| Net interest margin | 2.2358% | 4,587 |
| Noninterest income to average assets | 0.7750% | 1,649 |
| Noninterest expense to average assets | 2.6736% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1280% | 4,688 |
| Return on assets (ROA) | 0.5013% | 4,215 |
| Pretax return on assets | 0.6626% | 4,092 |
| Return on Equity (ROE) | 6.1332% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.1332% | 2,843 |
| Net charge-offs to loans | 0.0507% | 996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 1,678 |
| Efficiency ratio | 92.3541% | 317 |
| Assets per employee ($millions) | 5.4891% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5501% | 4,739 |
| Loan loss allowance to noncurrent loans | 1,065.2632% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 4,125 |
| Noncurrent loans to loans | 0.0516% | 4,033 |
| Net loans and leases to total assets | 64.0954% | 2,029 |
| Net loans and leases to deposits | 75.1153% | 2,005 |
| Net loans and leases to core deposits | 82.0275% | 1,834 |
| Total domestic deposits to total assets | 85.3294% | 2,985 |
| Equity capital to assets | 7.7020% | 4,635 |
| Core capital (leverage) ratio | 8.4169% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2847% | 1,481 |
| Memoranda: | ||
| Average total assets | $277,683,000 | 2,559 |
| Average earning assets | $259,417,000 | 2,551 |
| Average equity | $22,696,000 | 3,025 |
| Average total loans | $189,305,500 | 2,356 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 3,784 |
| Cost of funding earning assets | 1.1007% | 400 |
| Net interest margin | 2.5102% | 4,578 |
| Noninterest income to average assets | 0.6514% | 2,022 |
| Noninterest expense to average assets | 2.8293% | 1,867 |
| Loan and lease loss provision to assets | 0.0846% | 3,320 |
| Net operating income to assets | 0.0437% | 4,702 |
| Return on assets (ROA) | 0.2140% | 4,614 |
| Pretax return on assets | 0.2675% | 4,587 |
| Return on Equity (ROE) | 2.3720% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.3720% | 3,678 |
| Net charge-offs to loans | 0.0345% | 2,358 |
| Credit loss provision to net charge-offs | 330.7692% | 1,638 |
| Earnings coverage of net charge-offs (x) | 5.4462% | 2,866 |
| Efficiency ratio | 93.8254% | 272 |
| Assets per employee ($millions) | 5.2928% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5322% | 4,768 |
| Loan loss allowance to noncurrent loans | 347.6510% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 3,744 |
| Noncurrent loans to loans | 0.1531% | 3,672 |
| Net loans and leases to total assets | 71.7266% | 1,323 |
| Net loans and leases to deposits | 85.7586% | 1,268 |
| Net loans and leases to core deposits | 92.4538% | 1,352 |
| Total domestic deposits to total assets | 83.6377% | 3,225 |
| Equity capital to assets | 8.6718% | 4,318 |
| Core capital (leverage) ratio | 8.4969% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6538% | 1,642 |
| Memoranda: | ||
| Average total assets | $254,231,200 | 2,554 |
| Average earning assets | $234,679,400 | 2,565 |
| Average equity | $22,934,600 | 2,942 |
| Average total loans | $188,366,200 | 2,341 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 3,833 |
| Cost of funding earning assets | 1.1437% | 452 |
| Net interest margin | 2.5392% | 4,624 |
| Noninterest income to average assets | 0.5678% | 2,314 |
| Noninterest expense to average assets | 2.7502% | 2,120 |
| Loan and lease loss provision to assets | 0.1147% | 2,889 |
| Net operating income to assets | 0.0283% | 4,752 |
| Return on assets (ROA) | 0.1896% | 4,653 |
| Pretax return on assets | 0.2344% | 4,617 |
| Return on Equity (ROE) | 2.0803% | 4,540 |
| Retained earnings to average equity (ytd only) | 2.0803% | 3,907 |
| Net charge-offs to loans | 0.0421% | 2,025 |
| Credit loss provision to net charge-offs | 364.4068% | 1,560 |
| Earnings coverage of net charge-offs (x) | 4.7627% | 2,789 |
| Efficiency ratio | 93.1301% | 279 |
| Assets per employee ($millions) | 5.0414% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5433% | 4,779 |
| Loan loss allowance to noncurrent loans | 518.4080% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,050 |
| Noncurrent loans to loans | 0.1048% | 3,946 |
| Net loans and leases to total assets | 72.7615% | 1,544 |
| Net loans and leases to deposits | 87.6106% | 1,530 |
| Net loans and leases to core deposits | 92.7369% | 1,735 |
| Total domestic deposits to total assets | 83.0510% | 3,136 |
| Equity capital to assets | 8.8720% | 4,204 |
| Core capital (leverage) ratio | 8.6781% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9402% | 1,520 |
| Memoranda: | ||
| Average total assets | $250,306,000 | 2,561 |
| Average earning assets | $229,887,250 | 2,582 |
| Average equity | $22,816,250 | 2,950 |
| Average total loans | $186,795,500 | 2,360 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7841% | 3,903 |
| Cost of funding earning assets | 1.1907% | 516 |
| Net interest margin | 2.5934% | 4,659 |
| Noninterest income to average assets | 0.4043% | 3,050 |
| Noninterest expense to average assets | 2.7407% | 2,250 |
| Loan and lease loss provision to assets | 0.0934% | 3,104 |
| Net operating income to assets | -0.0506% | 4,809 |
| Return on assets (ROA) | 0.1047% | 4,711 |
| Pretax return on assets | 0.1177% | 4,708 |
| Return on Equity (ROE) | 1.1381% | 4,667 |
| Retained earnings to average equity (ytd only) | 1.1381% | 4,063 |
| Net charge-offs to loans | 0.0205% | 2,314 |
| Credit loss provision to net charge-offs | 605.2632% | 1,100 |
| Earnings coverage of net charge-offs (x) | 2.3684% | 2,781 |
| Efficiency ratio | 97.8369% | 210 |
| Assets per employee ($millions) | 4.4933% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5302% | 4,805 |
| Loan loss allowance to noncurrent loans | 458.8785% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 4,105 |
| Noncurrent loans to loans | 0.1156% | 3,987 |
| Net loans and leases to total assets | 71.9261% | 1,724 |
| Net loans and leases to deposits | 87.1315% | 1,650 |
| Net loans and leases to core deposits | 92.0188% | 1,901 |
| Total domestic deposits to total assets | 82.5488% | 3,222 |
| Equity capital to assets | 8.9919% | 4,096 |
| Core capital (leverage) ratio | 8.8455% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9225% | 1,509 |
| Memoranda: | ||
| Average total assets | $246,357,667 | 2,562 |
| Average earning assets | $225,415,667 | 2,588 |
| Average equity | $22,669,000 | 2,952 |
| Average total loans | $185,131,667 | 2,357 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 3,978 |
| Cost of funding earning assets | 1.2358% | 682 |
| Net interest margin | 2.6941% | 4,675 |
| Noninterest income to average assets | 0.3064% | 3,681 |
| Noninterest expense to average assets | 2.7845% | 2,471 |
| Loan and lease loss provision to assets | 0.1739% | 1,698 |
| Net operating income to assets | -0.1710% | 4,837 |
| Return on assets (ROA) | 0.0911% | 4,657 |
| Pretax return on assets | 0.0994% | 4,660 |
| Return on Equity (ROE) | 0.9783% | 4,633 |
| Retained earnings to average equity (ytd only) | 0.9783% | 3,745 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4182% | 231 |
| Assets per employee ($millions) | 4.8326% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5417% | 4,837 |
| Loan loss allowance to noncurrent loans | 353.9286% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 4,045 |
| Noncurrent loans to loans | 0.1531% | 3,911 |
| Net loans and leases to total assets | 75.3023% | 1,419 |
| Net loans and leases to deposits | 91.4543% | 1,345 |
| Net loans and leases to core deposits | 97.0509% | 1,716 |
| Total domestic deposits to total assets | 82.3387% | 3,321 |
| Equity capital to assets | 9.2588% | 4,421 |
| Core capital (leverage) ratio | 9.2745% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8824% | 1,634 |
| Memoranda: | ||
| Average total assets | $241,476,500 | 2,542 |
| Average earning assets | $221,076,000 | 2,563 |
| Average equity | $22,488,500 | 2,961 |
| Average total loans | $185,098,000 | 2,307 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 4,478 |
| Cost of funding earning assets | 1.2114% | 1,005 |
| Net interest margin | 2.6658% | 4,857 |
| Noninterest income to average assets | 0.3007% | 3,886 |
| Noninterest expense to average assets | 2.6568% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1203% | 4,915 |
| Return on assets (ROA) | 0.1558% | 4,904 |
| Pretax return on assets | 0.1851% | 4,896 |
| Return on Equity (ROE) | 1.7448% | 4,826 |
| Retained earnings to average equity (ytd only) | 1.7448% | 4,104 |
| Net charge-offs to loans | 0.0174% | 3,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 10.9688% | 2,530 |
| Efficiency ratio | 94.8990% | 228 |
| Assets per employee ($millions) | 4.7318% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4732% | 4,918 |
| Loan loss allowance to noncurrent loans | 284.8875% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 4,000 |
| Noncurrent loans to loans | 0.1661% | 3,866 |
| Net loans and leases to total assets | 77.2268% | 1,219 |
| Net loans and leases to deposits | 94.4276% | 1,116 |
| Net loans and leases to core deposits | 99.2385% | 1,627 |
| Total domestic deposits to total assets | 81.7842% | 3,569 |
| Equity capital to assets | 9.3671% | 4,452 |
| Core capital (leverage) ratio | 9.1911% | 4,368 |
| Tier 1 risk-based capital ratio | 15.4426% | 2,602 |
| Total risk-based capital ratio | 16.0607% | 2,790 |
| Memoranda: | ||
| Average total assets | $245,780,200 | 2,488 |
| Average earning assets | $230,396,400 | 2,471 |
| Average equity | $21,951,200 | 2,965 |
| Average total loans | $183,533,200 | 2,285 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 4,614 |
| Cost of funding earning assets | 1.2133% | 1,005 |
| Net interest margin | 2.6331% | 4,981 |
| Noninterest income to average assets | 0.2884% | 4,007 |
| Noninterest expense to average assets | 2.6564% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0907% | 5,023 |
| Return on assets (ROA) | 0.1372% | 5,012 |
| Pretax return on assets | 0.1588% | 5,010 |
| Return on Equity (ROE) | 1.5544% | 4,958 |
| Retained earnings to average equity (ytd only) | 1.5544% | 4,412 |
| Net charge-offs to loans | 0.0168% | 2,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.4336% | 2,656 |
| Efficiency ratio | 96.2058% | 199 |
| Assets per employee ($millions) | 4.3904% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4752% | 5,002 |
| Loan loss allowance to noncurrent loans | 348.2490% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 4,179 |
| Noncurrent loans to loans | 0.1365% | 4,047 |
| Net loans and leases to total assets | 77.6266% | 1,201 |
| Net loans and leases to deposits | 96.5097% | 954 |
| Net loans and leases to core deposits | 102.0070% | 1,498 |
| Total domestic deposits to total assets | 80.4340% | 3,880 |
| Equity capital to assets | 9.3432% | 4,566 |
| Core capital (leverage) ratio | 9.0562% | 4,593 |
| Tier 1 risk-based capital ratio | 15.2160% | 2,752 |
| Total risk-based capital ratio | 15.8348% | 2,960 |
| Memoranda: | ||
| Average total assets | $246,894,500 | 2,500 |
| Average earning assets | $231,864,000 | 2,481 |
| Average equity | $21,787,750 | 2,998 |
| Average total loans | $182,603,500 | 2,314 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 4,675 |
| Cost of funding earning assets | 1.2192% | 940 |
| Net interest margin | 2.6105% | 5,068 |
| Noninterest income to average assets | 0.2678% | 4,145 |
| Noninterest expense to average assets | 2.6642% | 3,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0635% | 5,077 |
| Return on assets (ROA) | 0.0619% | 5,083 |
| Pretax return on assets | 0.0539% | 5,092 |
| Return on Equity (ROE) | 0.7153% | 5,072 |
| Retained earnings to average equity (ytd only) | 0.7153% | 4,506 |
| Net charge-offs to loans | 0.0255% | 2,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,888 |
| Efficiency ratio | 97.9598% | 177 |
| Assets per employee ($millions) | 4.8345% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4942% | 5,029 |
| Loan loss allowance to noncurrent loans | 387.4459% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 4,296 |
| Noncurrent loans to loans | 0.1276% | 4,103 |
| Net loans and leases to total assets | 73.0834% | 2,042 |
| Net loans and leases to deposits | 93.2005% | 1,353 |
| Net loans and leases to core deposits | 98.5167% | 1,844 |
| Total domestic deposits to total assets | 78.4152% | 4,327 |
| Equity capital to assets | 8.9983% | 4,797 |
| Core capital (leverage) ratio | 8.8708% | 4,739 |
| Tier 1 risk-based capital ratio | 15.1564% | 2,769 |
| Total risk-based capital ratio | 15.7777% | 2,977 |
| Memoranda: | ||
| Average total assets | $248,702,670 | 2,501 |
| Average earning assets | $233,596,670 | 2,474 |
| Average equity | $21,530,000 | 3,016 |
| Average total loans | $180,691,330 | 2,336 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,691 |
| Cost of funding earning assets | 1.2333% | 815 |
| Net interest margin | 2.5808% | 5,149 |
| Noninterest income to average assets | 0.2370% | 4,316 |
| Noninterest expense to average assets | 2.6280% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0496% | 5,117 |
| Return on assets (ROA) | 0.0464% | 5,122 |
| Pretax return on assets | 0.0288% | 5,129 |
| Return on Equity (ROE) | 0.5471% | 5,114 |
| Retained earnings to average equity (ytd only) | 0.5471% | 4,422 |
| Net charge-offs to loans | 0.0554% | 1,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 2,643 |
| Efficiency ratio | 98.7959% | 192 |
| Assets per employee ($millions) | 4.8833% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4951% | 5,086 |
| Loan loss allowance to noncurrent loans | 304.7782% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,221 |
| Noncurrent loans to loans | 0.1625% | 4,017 |
| Net loans and leases to total assets | 72.0587% | 2,152 |
| Net loans and leases to deposits | 96.1845% | 949 |
| Net loans and leases to core deposits | 102.0053% | 1,463 |
| Total domestic deposits to total assets | 74.9172% | 4,866 |
| Equity capital to assets | 8.6634% | 4,895 |
| Core capital (leverage) ratio | 8.7421% | 4,833 |
| Tier 1 risk-based capital ratio | 15.1775% | 2,804 |
| Total risk-based capital ratio | 15.7997% | 3,007 |
| Memoranda: | ||
| Average total assets | $249,775,000 | 2,518 |
| Average earning assets | $234,498,000 | 2,495 |
| Average equity | $21,202,000 | 3,055 |
| Average total loans | $180,493,000 | 2,367 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,472 |
| Cost of funding earning assets | 1.0273% | 678 |
| Net interest margin | 2.7811% | 5,035 |
| Noninterest income to average assets | 0.2238% | 4,585 |
| Noninterest expense to average assets | 2.5878% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1988% | 5,109 |
| Return on assets (ROA) | 0.2009% | 5,106 |
| Pretax return on assets | 0.2367% | 5,093 |
| Return on Equity (ROE) | 2.3517% | 4,999 |
| Retained earnings to average equity (ytd only) | 2.3517% | 4,205 |
| Net charge-offs to loans | 0.0119% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 27.7143% | 1,680 |
| Efficiency ratio | 91.6976% | 289 |
| Assets per employee ($millions) | 4.8174% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5082% | 5,111 |
| Loan loss allowance to noncurrent loans | 700.7634% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 4,583 |
| Noncurrent loans to loans | 0.0725% | 4,429 |
| Net loans and leases to total assets | 71.7417% | 2,306 |
| Net loans and leases to deposits | 98.1609% | 885 |
| Net loans and leases to core deposits | 104.0433% | 1,411 |
| Total domestic deposits to total assets | 73.0858% | 5,002 |
| Equity capital to assets | 8.3145% | 5,039 |
| Core capital (leverage) ratio | 8.5618% | 4,982 |
| Tier 1 risk-based capital ratio | 15.0270% | 2,822 |
| Total risk-based capital ratio | 15.6624% | 3,024 |
| Memoranda: | ||
| Average total assets | $248,396,400 | 2,480 |
| Average earning assets | $232,066,400 | 2,470 |
| Average equity | $21,219,000 | 2,963 |
| Average total loans | $176,444,800 | 2,360 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,492 |
| Cost of funding earning assets | 0.9742% | 664 |
| Net interest margin | 2.8014% | 5,084 |
| Noninterest income to average assets | 0.2216% | 4,637 |
| Noninterest expense to average assets | 2.6384% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1726% | 5,211 |
| Return on assets (ROA) | 0.1754% | 5,202 |
| Pretax return on assets | 0.2006% | 5,203 |
| Return on Equity (ROE) | 2.0391% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.0391% | 4,572 |
| Net charge-offs to loans | 0.0167% | 2,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.6833% | 2,153 |
| Efficiency ratio | 93.0387% | 258 |
| Assets per employee ($millions) | 4.6844% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4930% | 5,195 |
| Loan loss allowance to noncurrent loans | 317.3010% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 4,408 |
| Noncurrent loans to loans | 0.1554% | 4,179 |
| Net loans and leases to total assets | 71.8399% | 2,353 |
| Net loans and leases to deposits | 100.8148% | 716 |
| Net loans and leases to core deposits | 106.4311% | 1,279 |
| Total domestic deposits to total assets | 71.2592% | 5,170 |
| Equity capital to assets | 8.1726% | 5,099 |
| Core capital (leverage) ratio | 8.7583% | 4,917 |
| Tier 1 risk-based capital ratio | 14.9738% | 2,894 |
| Total risk-based capital ratio | 15.5862% | 3,115 |
| Memoranda: | ||
| Average total assets | $247,869,750 | 2,501 |
| Average earning assets | $231,305,000 | 2,490 |
| Average equity | $21,316,750 | 2,972 |
| Average total loans | $175,397,750 | 2,383 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 4,521 |
| Cost of funding earning assets | 0.9025% | 725 |
| Net interest margin | 2.8234% | 5,094 |
| Noninterest income to average assets | 0.2183% | 4,713 |
| Noninterest expense to average assets | 2.6752% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1566% | 5,257 |
| Return on assets (ROA) | 0.1603% | 5,249 |
| Pretax return on assets | 0.1791% | 5,256 |
| Return on Equity (ROE) | 1.8315% | 5,195 |
| Retained earnings to average equity (ytd only) | 1.8315% | 4,508 |
| Net charge-offs to loans | 0.0058% | 2,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 42.8000% | 1,247 |
| Efficiency ratio | 93.8612% | 265 |
| Assets per employee ($millions) | 5.0897% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5135% | 5,243 |
| Loan loss allowance to noncurrent loans | 219.7647% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 4,152 |
| Noncurrent loans to loans | 0.2337% | 3,874 |
| Net loans and leases to total assets | 71.1075% | 2,423 |
| Net loans and leases to deposits | 98.1584% | 957 |
| Net loans and leases to core deposits | 103.7889% | 1,414 |
| Total domestic deposits to total assets | 72.4416% | 5,148 |
| Equity capital to assets | 8.3435% | 5,052 |
| Core capital (leverage) ratio | 9.0187% | 4,673 |
| Tier 1 risk-based capital ratio | 15.2033% | 2,779 |
| Total risk-based capital ratio | 15.8403% | 2,992 |
| Memoranda: | ||
| Average total assets | $244,612,670 | 2,536 |
| Average earning assets | $228,025,000 | 2,525 |
| Average equity | $21,403,670 | 2,976 |
| Average total loans | $171,861,670 | 2,434 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7180% | 4,430 |
| Cost of funding earning assets | 0.8434% | 789 |
| Net interest margin | 2.8746% | 5,069 |
| Noninterest income to average assets | 0.2086% | 4,770 |
| Noninterest expense to average assets | 2.7520% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1239% | 5,313 |
| Return on assets (ROA) | 0.1318% | 5,304 |
| Pretax return on assets | 0.1385% | 5,313 |
| Return on Equity (ROE) | 1.4705% | 5,260 |
| Retained earnings to average equity (ytd only) | 1.4705% | 4,504 |
| Net charge-offs to loans | 0.0048% | 2,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,079 |
| Efficiency ratio | 95.4835% | 264 |
| Assets per employee ($millions) | 4.5688% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5523% | 5,258 |
| Loan loss allowance to noncurrent loans | 259.5568% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 4,335 |
| Noncurrent loans to loans | 0.2128% | 4,021 |
| Net loans and leases to total assets | 69.6772% | 2,534 |
| Net loans and leases to deposits | 91.7985% | 1,474 |
| Net loans and leases to core deposits | 96.6296% | 1,933 |
| Total domestic deposits to total assets | 75.9023% | 4,969 |
| Equity capital to assets | 8.7661% | 4,773 |
| Core capital (leverage) ratio | 9.3033% | 4,322 |
| Tier 1 risk-based capital ratio | 16.4037% | 2,321 |
| Total risk-based capital ratio | 17.0968% | 2,480 |
| Memoranda: | ||
| Average total assets | $239,676,500 | 2,589 |
| Average earning assets | $222,915,000 | 2,586 |
| Average equity | $21,489,000 | 2,998 |
| Average total loans | $166,846,500 | 2,510 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 4,664 |
| Cost of funding earning assets | 0.7330% | 880 |
| Net interest margin | 2.8273% | 5,134 |
| Noninterest income to average assets | 0.2329% | 4,739 |
| Noninterest expense to average assets | 2.6666% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1543% | 5,190 |
| Return on assets (ROA) | 0.1965% | 5,132 |
| Pretax return on assets | 0.2531% | 5,259 |
| Return on Equity (ROE) | 2.1017% | 5,038 |
| Retained earnings to average equity (ytd only) | 2.1017% | 4,058 |
| Net charge-offs to loans | 0.0466% | 2,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 6.7246% | 3,144 |
| Efficiency ratio | 93.0539% | 322 |
| Assets per employee ($millions) | 4.7441% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5724% | 5,293 |
| Loan loss allowance to noncurrent loans | 255.8583% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 4,363 |
| Noncurrent loans to loans | 0.2237% | 4,010 |
| Net loans and leases to total assets | 68.7570% | 2,712 |
| Net loans and leases to deposits | 88.5058% | 1,956 |
| Net loans and leases to core deposits | 93.2126% | 2,265 |
| Total domestic deposits to total assets | 77.6864% | 4,765 |
| Equity capital to assets | 9.1697% | 4,557 |
| Core capital (leverage) ratio | 9.5160% | 4,026 |
| Tier 1 risk-based capital ratio | 17.0071% | 2,091 |
| Total risk-based capital ratio | 17.7297% | 2,211 |
| Memoranda: | ||
| Average total assets | $233,106,800 | 2,619 |
| Average earning assets | $217,064,200 | 2,609 |
| Average equity | $21,792,200 | 2,972 |
| Average total loans | $147,959,000 | 2,674 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 4,807 |
| Cost of funding earning assets | 0.7101% | 918 |
| Net interest margin | 2.7936% | 5,229 |
| Noninterest income to average assets | 0.2407% | 4,762 |
| Noninterest expense to average assets | 2.6645% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1470% | 5,401 |
| Return on assets (ROA) | 0.2057% | 5,361 |
| Pretax return on assets | 0.2545% | 5,335 |
| Return on Equity (ROE) | 2.1893% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.1893% | 4,546 |
| Net charge-offs to loans | 0.0565% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.1969% | 3,135 |
| Efficiency ratio | 93.6024% | 298 |
| Assets per employee ($millions) | 4.4654% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 5,361 |
| Loan loss allowance to noncurrent loans | 201.4894% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 4,281 |
| Noncurrent loans to loans | 0.2883% | 3,908 |
| Net loans and leases to total assets | 69.7920% | 2,595 |
| Net loans and leases to deposits | 88.3959% | 2,002 |
| Net loans and leases to core deposits | 92.8395% | 2,364 |
| Total domestic deposits to total assets | 78.9539% | 4,537 |
| Equity capital to assets | 9.5022% | 4,443 |
| Core capital (leverage) ratio | 9.7087% | 3,925 |
| Tier 1 risk-based capital ratio | 17.3833% | 2,042 |
| Total risk-based capital ratio | 18.1305% | 2,148 |
| Memoranda: | ||
| Average total assets | $232,082,250 | 2,645 |
| Average earning assets | $216,489,000 | 2,630 |
| Average equity | $21,802,500 | 2,999 |
| Average total loans | $143,940,250 | 2,739 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4518% | 4,872 |
| Cost of funding earning assets | 0.6961% | 909 |
| Net interest margin | 2.7557% | 5,303 |
| Noninterest income to average assets | 0.2525% | 4,728 |
| Noninterest expense to average assets | 2.6771% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1184% | 5,474 |
| Return on assets (ROA) | 0.2043% | 5,405 |
| Pretax return on assets | 0.2508% | 5,390 |
| Return on Equity (ROE) | 2.1828% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.1828% | 4,370 |
| Net charge-offs to loans | 0.0887% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.7541% | 3,133 |
| Efficiency ratio | 94.8687% | 285 |
| Assets per employee ($millions) | 4.4910% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6186% | 5,350 |
| Loan loss allowance to noncurrent loans | 195.6612% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 4,318 |
| Noncurrent loans to loans | 0.3161% | 3,906 |
| Net loans and leases to total assets | 66.4287% | 3,041 |
| Net loans and leases to deposits | 82.8798% | 2,611 |
| Net loans and leases to core deposits | 87.0258% | 2,794 |
| Total domestic deposits to total assets | 80.1507% | 4,373 |
| Equity capital to assets | 9.6590% | 4,269 |
| Core capital (leverage) ratio | 9.6645% | 3,943 |
| Tier 1 risk-based capital ratio | 18.4658% | 1,726 |
| Total risk-based capital ratio | 19.2603% | 1,808 |
| Memoranda: | ||
| Average total assets | $232,043,000 | 2,662 |
| Average earning assets | $216,350,000 | 2,645 |
| Average equity | $21,715,330 | 3,006 |
| Average total loans | $137,585,670 | 2,841 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4163% | 4,894 |
| Cost of funding earning assets | 0.6844% | 908 |
| Net interest margin | 2.7319% | 5,346 |
| Noninterest income to average assets | 0.2603% | 4,673 |
| Noninterest expense to average assets | 2.6547% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1242% | 5,486 |
| Return on assets (ROA) | 0.2244% | 5,368 |
| Pretax return on assets | 0.2826% | 5,337 |
| Return on Equity (ROE) | 2.4359% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.4359% | 4,172 |
| Net charge-offs to loans | 0.1910% | 897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.4677% | 2,726 |
| Efficiency ratio | 94.4546% | 365 |
| Assets per employee ($millions) | 4.5274% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7347% | 5,239 |
| Loan loss allowance to noncurrent loans | 188.8224% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 4,351 |
| Noncurrent loans to loans | 0.3891% | 3,715 |
| Net loans and leases to total assets | 55.3563% | 4,218 |
| Net loans and leases to deposits | 70.0680% | 3,790 |
| Net loans and leases to core deposits | 73.4300% | 3,885 |
| Total domestic deposits to total assets | 79.0036% | 4,824 |
| Equity capital to assets | 9.3501% | 4,442 |
| Core capital (leverage) ratio | 9.4345% | 4,191 |
| Tier 1 risk-based capital ratio | 19.9847% | 1,396 |
| Total risk-based capital ratio | 20.8478% | 1,449 |
| Memoranda: | ||
| Average total assets | $233,544,000 | 2,676 |
| Average earning assets | $218,016,500 | 2,659 |
| Average equity | $21,511,500 | 3,028 |
| Average total loans | $129,830,500 | 2,959 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,719 |
| Cost of funding earning assets | 0.6907% | 855 |
| Net interest margin | 2.8336% | 5,235 |
| Noninterest income to average assets | 0.2495% | 4,930 |
| Noninterest expense to average assets | 2.6937% | 3,359 |
| Loan and lease loss provision to assets | 0.0086% | 4,196 |
| Net operating income to assets | 0.1401% | 5,509 |
| Return on assets (ROA) | 0.2757% | 5,341 |
| Pretax return on assets | 0.3974% | 5,228 |
| Return on Equity (ROE) | 2.8839% | 5,189 |
| Retained earnings to average equity (ytd only) | 2.8839% | 3,844 |
| Net charge-offs to loans | -0.0023% | 4,713 |
| Credit loss provision to net charge-offs | -666.6667% | 5,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7852% | 430 |
| Assets per employee ($millions) | 4.7238% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 5,183 |
| Loan loss allowance to noncurrent loans | 99.6047% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 3,557 |
| Noncurrent loans to loans | 0.7731% | 2,592 |
| Net loans and leases to total assets | 54.9941% | 4,348 |
| Net loans and leases to deposits | 71.0742% | 3,805 |
| Net loans and leases to core deposits | 74.2948% | 3,898 |
| Total domestic deposits to total assets | 77.3755% | 5,067 |
| Equity capital to assets | 9.0749% | 4,738 |
| Core capital (leverage) ratio | 9.2576% | 4,395 |
| Tier 1 risk-based capital ratio | 19.6147% | 1,447 |
| Total risk-based capital ratio | 20.5247% | 1,489 |
| Memoranda: | ||
| Average total assets | $232,503,600 | 2,637 |
| Average earning assets | $217,742,400 | 2,621 |
| Average equity | $22,226,600 | 2,971 |
| Average total loans | $132,387,800 | 2,885 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5213% | 4,749 |
| Cost of funding earning assets | 0.6920% | 851 |
| Net interest margin | 2.8293% | 5,307 |
| Noninterest income to average assets | 0.2355% | 5,064 |
| Noninterest expense to average assets | 2.7935% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0721% | 5,656 |
| Return on assets (ROA) | 0.2608% | 5,443 |
| Pretax return on assets | 0.3466% | 5,383 |
| Return on Equity (ROE) | 2.6934% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.6934% | 4,286 |
| Net charge-offs to loans | -0.0020% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7112% | 294 |
| Assets per employee ($millions) | 4.6549% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 5,383 |
| Loan loss allowance to noncurrent loans | 120.3659% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 3,999 |
| Noncurrent loans to loans | 0.5991% | 3,215 |
| Net loans and leases to total assets | 58.3827% | 4,060 |
| Net loans and leases to deposits | 71.8359% | 3,825 |
| Net loans and leases to core deposits | 74.9258% | 3,928 |
| Total domestic deposits to total assets | 81.2724% | 4,175 |
| Equity capital to assets | 9.8532% | 4,299 |
| Core capital (leverage) ratio | 9.3458% | 4,396 |
| Tier 1 risk-based capital ratio | 19.1015% | 1,650 |
| Total risk-based capital ratio | 19.9769% | 1,697 |
| Memoranda: | ||
| Average total assets | $231,581,750 | 2,652 |
| Average earning assets | $217,152,000 | 2,636 |
| Average equity | $22,424,750 | 2,974 |
| Average total loans | $132,760,000 | 2,891 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5249% | 4,800 |
| Cost of funding earning assets | 0.6948% | 827 |
| Net interest margin | 2.8301% | 5,383 |
| Noninterest income to average assets | 0.2370% | 5,067 |
| Noninterest expense to average assets | 2.7812% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0775% | 5,696 |
| Return on assets (ROA) | 0.3080% | 5,389 |
| Pretax return on assets | 0.4248% | 5,294 |
| Return on Equity (ROE) | 3.1992% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.1992% | 3,863 |
| Net charge-offs to loans | -0.0030% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2287% | 335 |
| Assets per employee ($millions) | 4.4275% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 5,464 |
| Loan loss allowance to noncurrent loans | 163.1405% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 4,450 |
| Noncurrent loans to loans | 0.4450% | 3,774 |
| Net loans and leases to total assets | 58.6196% | 4,058 |
| Net loans and leases to deposits | 72.1750% | 3,768 |
| Net loans and leases to core deposits | 75.2005% | 3,890 |
| Total domestic deposits to total assets | 81.2188% | 4,212 |
| Equity capital to assets | 9.8658% | 4,374 |
| Core capital (leverage) ratio | 9.3936% | 4,345 |
| Tier 1 risk-based capital ratio | 19.4617% | 1,579 |
| Total risk-based capital ratio | 20.3577% | 1,636 |
| Memoranda: | ||
| Average total assets | $231,193,330 | 2,667 |
| Average earning assets | $216,741,000 | 2,650 |
| Average equity | $22,255,330 | 2,997 |
| Average total loans | $131,389,670 | 2,915 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 4,858 |
| Cost of funding earning assets | 0.6997% | 807 |
| Net interest margin | 2.8137% | 5,451 |
| Noninterest income to average assets | 0.2262% | 5,121 |
| Noninterest expense to average assets | 2.8367% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0208% | 5,770 |
| Return on assets (ROA) | 0.2814% | 5,433 |
| Pretax return on assets | 0.3798% | 5,349 |
| Return on Equity (ROE) | 2.9601% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.9601% | 4,032 |
| Net charge-offs to loans | -0.0031% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0356% | 315 |
| Assets per employee ($millions) | 4.4752% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7506% | 5,495 |
| Loan loss allowance to noncurrent loans | 150.3049% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 4,413 |
| Noncurrent loans to loans | 0.4994% | 3,677 |
| Net loans and leases to total assets | 57.1240% | 4,134 |
| Net loans and leases to deposits | 70.4044% | 3,823 |
| Net loans and leases to core deposits | 73.3460% | 3,952 |
| Total domestic deposits to total assets | 81.1370% | 4,455 |
| Equity capital to assets | 9.7719% | 4,376 |
| Core capital (leverage) ratio | 9.3210% | 4,467 |
| Tier 1 risk-based capital ratio | 20.6794% | 1,365 |
| Total risk-based capital ratio | 21.6390% | 1,401 |
| Memoranda: | ||
| Average total assets | $231,675,000 | 2,676 |
| Average earning assets | $217,226,000 | 2,652 |
| Average equity | $22,026,000 | 3,024 |
| Average total loans | $129,111,000 | 2,949 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5593% | 4,780 |
| Cost of funding earning assets | 0.7337% | 690 |
| Net interest margin | 2.8257% | 5,469 |
| Noninterest income to average assets | 0.2435% | 5,139 |
| Noninterest expense to average assets | 2.5827% | 3,980 |
| Loan and lease loss provision to assets | 0.0520% | 3,278 |
| Net operating income to assets | 0.1945% | 5,587 |
| Return on assets (ROA) | 0.2643% | 5,528 |
| Pretax return on assets | 0.3488% | 5,424 |
| Return on Equity (ROE) | 2.8273% | 5,360 |
| Retained earnings to average equity (ytd only) | 2.8273% | 4,058 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3168% | 733 |
| Assets per employee ($millions) | 4.6101% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 5,472 |
| Loan loss allowance to noncurrent loans | 149.0166% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 4,461 |
| Noncurrent loans to loans | 0.5211% | 3,609 |
| Net loans and leases to total assets | 53.5372% | 4,540 |
| Net loans and leases to deposits | 66.7979% | 4,241 |
| Net loans and leases to core deposits | 69.6441% | 4,318 |
| Total domestic deposits to total assets | 80.1480% | 4,708 |
| Equity capital to assets | 9.2504% | 4,847 |
| Core capital (leverage) ratio | 9.0855% | 4,769 |
| Tier 1 risk-based capital ratio | 21.3569% | 1,240 |
| Total risk-based capital ratio | 22.3618% | 1,255 |
| Memoranda: | ||
| Average total assets | $230,805,200 | 2,658 |
| Average earning assets | $216,304,000 | 2,617 |
| Average equity | $21,575,600 | 3,019 |
| Average total loans | $124,179,400 | 2,983 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,811 |
| Cost of funding earning assets | 0.7396% | 683 |
| Net interest margin | 2.8340% | 5,526 |
| Noninterest income to average assets | 0.2455% | 5,180 |
| Noninterest expense to average assets | 2.6773% | 3,647 |
| Loan and lease loss provision to assets | 0.0116% | 4,043 |
| Net operating income to assets | 0.1646% | 5,745 |
| Return on assets (ROA) | 0.2455% | 5,659 |
| Pretax return on assets | 0.3169% | 5,617 |
| Return on Equity (ROE) | 2.6193% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.6193% | 4,544 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2969% | 553 |
| Assets per employee ($millions) | 4.2705% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 5,744 |
| Loan loss allowance to noncurrent loans | 162.9834% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 4,818 |
| Noncurrent loans to loans | 0.4252% | 4,078 |
| Net loans and leases to total assets | 54.9960% | 4,463 |
| Net loans and leases to deposits | 67.6178% | 4,227 |
| Net loans and leases to core deposits | 70.5236% | 4,323 |
| Total domestic deposits to total assets | 81.3335% | 4,381 |
| Equity capital to assets | 9.4659% | 4,794 |
| Core capital (leverage) ratio | 9.1038% | 4,878 |
| Tier 1 risk-based capital ratio | 21.3342% | 1,288 |
| Total risk-based capital ratio | 22.2442% | 1,316 |
| Memoranda: | ||
| Average total assets | $229,727,750 | 2,683 |
| Average earning assets | $215,240,250 | 2,645 |
| Average equity | $21,532,250 | 3,042 |
| Average total loans | $123,509,500 | 3,018 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5309% | 4,907 |
| Cost of funding earning assets | 0.7488% | 653 |
| Net interest margin | 2.7821% | 5,655 |
| Noninterest income to average assets | 0.3138% | 4,711 |
| Noninterest expense to average assets | 2.7049% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1635% | 5,781 |
| Return on assets (ROA) | 0.2554% | 5,648 |
| Pretax return on assets | 0.3321% | 5,603 |
| Return on Equity (ROE) | 2.7341% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.7341% | 4,317 |
| Net charge-offs to loans | 0.0016% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 287 |
| Efficiency ratio | 92.7099% | 598 |
| Assets per employee ($millions) | 4.5585% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 5,783 |
| Loan loss allowance to noncurrent loans | 245.4545% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 5,255 |
| Noncurrent loans to loans | 0.2908% | 4,643 |
| Net loans and leases to total assets | 52.7257% | 4,683 |
| Net loans and leases to deposits | 63.5301% | 4,573 |
| Net loans and leases to core deposits | 66.1016% | 4,642 |
| Total domestic deposits to total assets | 82.9932% | 3,963 |
| Equity capital to assets | 9.2587% | 4,944 |
| Core capital (leverage) ratio | 9.0469% | 4,894 |
| Tier 1 risk-based capital ratio | 21.2266% | 1,321 |
| Total risk-based capital ratio | 22.1161% | 1,360 |
| Memoranda: | ||
| Average total assets | $229,435,000 | 2,706 |
| Average earning assets | $214,732,330 | 2,674 |
| Average equity | $21,433,330 | 3,063 |
| Average total loans | $122,109,670 | 3,052 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 4,848 |
| Cost of funding earning assets | 0.7586% | 628 |
| Net interest margin | 2.7852% | 5,674 |
| Noninterest income to average assets | 0.2850% | 4,893 |
| Noninterest expense to average assets | 2.7247% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1273% | 5,833 |
| Return on assets (ROA) | 0.2398% | 5,679 |
| Pretax return on assets | 0.3076% | 5,639 |
| Return on Equity (ROE) | 2.5557% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.5557% | 4,408 |
| Net charge-offs to loans | 0.0033% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 520 |
| Efficiency ratio | 94.3442% | 578 |
| Assets per employee ($millions) | 4.6589% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 5,876 |
| Loan loss allowance to noncurrent loans | 206.2053% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 5,213 |
| Noncurrent loans to loans | 0.3465% | 4,548 |
| Net loans and leases to total assets | 52.5976% | 4,599 |
| Net loans and leases to deposits | 63.6051% | 4,410 |
| Net loans and leases to core deposits | 66.1610% | 4,503 |
| Total domestic deposits to total assets | 82.6941% | 4,280 |
| Equity capital to assets | 9.6064% | 4,627 |
| Core capital (leverage) ratio | 8.9371% | 5,030 |
| Tier 1 risk-based capital ratio | 20.4056% | 1,540 |
| Total risk-based capital ratio | 21.2672% | 1,584 |
| Memoranda: | ||
| Average total assets | $230,189,000 | 2,720 |
| Average earning assets | $215,135,000 | 2,684 |
| Average equity | $21,598,500 | 3,063 |
| Average total loans | $122,644,500 | 3,049 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7121% | 4,746 |
| Cost of funding earning assets | 0.8376% | 544 |
| Net interest margin | 2.8746% | 5,690 |
| Noninterest income to average assets | 0.3056% | 4,924 |
| Noninterest expense to average assets | 2.9320% | 3,048 |
| Loan and lease loss provision to assets | 0.0261% | 4,087 |
| Net operating income to assets | 0.0167% | 6,068 |
| Return on assets (ROA) | 0.1630% | 5,895 |
| Pretax return on assets | 0.2396% | 5,805 |
| Return on Equity (ROE) | 1.8656% | 5,800 |
| Retained earnings to average equity (ytd only) | 1.8656% | 4,871 |
| Net charge-offs to loans | 0.0074% | 4,772 |
| Credit loss provision to net charge-offs | 666.6667% | 395 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 2,331 |
| Efficiency ratio | 98.3090% | 415 |
| Assets per employee ($millions) | 4.5508% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6956% | 5,999 |
| Loan loss allowance to noncurrent loans | 181.7227% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 5,202 |
| Noncurrent loans to loans | 0.3828% | 4,493 |
| Net loans and leases to total assets | 53.2061% | 4,666 |
| Net loans and leases to deposits | 64.2673% | 4,496 |
| Net loans and leases to core deposits | 66.7956% | 4,613 |
| Total domestic deposits to total assets | 82.7887% | 4,152 |
| Equity capital to assets | 9.1632% | 5,116 |
| Core capital (leverage) ratio | 8.8289% | 5,215 |
| Tier 1 risk-based capital ratio | 21.3436% | 1,334 |
| Total risk-based capital ratio | 22.2461% | 1,371 |
| Memoranda: | ||
| Average total assets | $230,014,400 | 2,700 |
| Average earning assets | $214,188,800 | 2,668 |
| Average equity | $20,100,600 | 3,148 |
| Average total loans | $121,253,200 | 3,016 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,791 |
| Cost of funding earning assets | 0.8534% | 530 |
| Net interest margin | 2.8714% | 5,758 |
| Noninterest income to average assets | 0.3155% | 4,917 |
| Noninterest expense to average assets | 3.0152% | 2,754 |
| Loan and lease loss provision to assets | 0.0261% | 3,882 |
| Net operating income to assets | -0.0360% | 6,170 |
| Return on assets (ROA) | 0.1377% | 5,999 |
| Pretax return on assets | 0.2115% | 5,932 |
| Return on Equity (ROE) | 1.5952% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.5952% | 5,243 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9924% | 343 |
| Assets per employee ($millions) | 4.3397% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 6,046 |
| Loan loss allowance to noncurrent loans | 61.4010% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 3,970 |
| Noncurrent loans to loans | 1.1846% | 2,691 |
| Net loans and leases to total assets | 51.9511% | 4,812 |
| Net loans and leases to deposits | 61.0665% | 4,841 |
| Net loans and leases to core deposits | 63.4768% | 4,930 |
| Total domestic deposits to total assets | 85.0731% | 3,313 |
| Equity capital to assets | 9.0762% | 5,271 |
| Core capital (leverage) ratio | 8.9682% | 5,112 |
| Tier 1 risk-based capital ratio | 20.8465% | 1,482 |
| Total risk-based capital ratio | 21.7343% | 1,522 |
| Memoranda: | ||
| Average total assets | $229,495,000 | 2,723 |
| Average earning assets | $213,413,500 | 2,693 |
| Average equity | $19,809,000 | 3,189 |
| Average total loans | $120,478,500 | 3,041 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8064% | 4,503 |
| Cost of funding earning assets | 0.8632% | 522 |
| Net interest margin | 2.9432% | 5,650 |
| Noninterest income to average assets | 0.3215% | 4,846 |
| Noninterest expense to average assets | 3.1572% | 2,313 |
| Loan and lease loss provision to assets | 0.0260% | 3,755 |
| Net operating income to assets | -0.0815% | 6,246 |
| Return on assets (ROA) | 0.1603% | 5,968 |
| Pretax return on assets | 0.2496% | 5,873 |
| Return on Equity (ROE) | 1.8892% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.8892% | 4,941 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3475% | 328 |
| Assets per employee ($millions) | 4.5474% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 6,162 |
| Loan loss allowance to noncurrent loans | 69.9254% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 4,408 |
| Noncurrent loans to loans | 1.0098% | 3,216 |
| Net loans and leases to total assets | 52.1982% | 4,727 |
| Net loans and leases to deposits | 62.0458% | 4,692 |
| Net loans and leases to core deposits | 64.4176% | 4,779 |
| Total domestic deposits to total assets | 84.1285% | 3,883 |
| Equity capital to assets | 8.9405% | 5,373 |
| Core capital (leverage) ratio | 8.9561% | 5,085 |
| Tier 1 risk-based capital ratio | 21.4146% | 1,362 |
| Total risk-based capital ratio | 22.3020% | 1,410 |
| Memoranda: | ||
| Average total assets | $230,771,330 | 2,719 |
| Average earning assets | $214,325,000 | 2,692 |
| Average equity | $19,584,670 | 3,215 |
| Average total loans | $121,273,000 | 3,040 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 4,745 |
| Cost of funding earning assets | 0.9015% | 445 |
| Net interest margin | 2.8288% | 5,879 |
| Noninterest income to average assets | 0.2873% | 5,074 |
| Noninterest expense to average assets | 3.1230% | 2,467 |
| Loan and lease loss provision to assets | 0.0258% | 3,497 |
| Net operating income to assets | -0.1973% | 6,352 |
| Return on assets (ROA) | 0.0241% | 6,196 |
| Pretax return on assets | 0.1084% | 6,063 |
| Return on Equity (ROE) | 0.2915% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.2915% | 5,457 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2695% | 311 |
| Assets per employee ($millions) | 4.5090% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6855% | 6,302 |
| Loan loss allowance to noncurrent loans | 76.7593% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 4,374 |
| Noncurrent loans to loans | 0.8930% | 3,651 |
| Net loans and leases to total assets | 52.2319% | 4,646 |
| Net loans and leases to deposits | 62.4323% | 4,502 |
| Net loans and leases to core deposits | 64.7946% | 4,614 |
| Total domestic deposits to total assets | 83.6617% | 4,397 |
| Equity capital to assets | 8.5299% | 5,624 |
| Core capital (leverage) ratio | 8.7485% | 5,326 |
| Tier 1 risk-based capital ratio | 21.2135% | 1,430 |
| Total risk-based capital ratio | 22.0856% | 1,481 |
| Memoranda: | ||
| Average total assets | $232,472,000 | 2,720 |
| Average earning assets | $215,638,000 | 2,687 |
| Average equity | $19,213,000 | 3,255 |
| Average total loans | $122,146,000 | 3,028 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 4,888 |
| Cost of funding earning assets | 1.0266% | 395 |
| Net interest margin | 2.7509% | 6,061 |
| Noninterest income to average assets | 0.4185% | 4,308 |
| Noninterest expense to average assets | 2.6727% | 4,203 |
| Loan and lease loss provision to assets | 0.0771% | 3,564 |
| Net operating income to assets | 0.1874% | 5,860 |
| Return on assets (ROA) | 0.2347% | 5,798 |
| Pretax return on assets | 0.2827% | 5,774 |
| Return on Equity (ROE) | 2.7726% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.7726% | 4,270 |
| Net charge-offs to loans | 0.2206% | 2,700 |
| Credit loss provision to net charge-offs | 62.2837% | 3,503 |
| Earnings coverage of net charge-offs (x) | 2.4464% | 4,192 |
| Efficiency ratio | 89.8229% | 1,037 |
| Assets per employee ($millions) | 4.5190% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6599% | 6,405 |
| Loan loss allowance to noncurrent loans | 132.5733% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 4,994 |
| Noncurrent loans to loans | 0.4978% | 4,750 |
| Net loans and leases to total assets | 52.1467% | 4,827 |
| Net loans and leases to deposits | 63.6429% | 4,541 |
| Net loans and leases to core deposits | 66.0333% | 4,691 |
| Total domestic deposits to total assets | 81.9364% | 4,897 |
| Equity capital to assets | 8.0051% | 6,015 |
| Core capital (leverage) ratio | 8.5764% | 5,573 |
| Tier 1 risk-based capital ratio | 20.1648% | 1,619 |
| Total risk-based capital ratio | 20.9865% | 1,693 |
| Memoranda: | ||
| Average total assets | $233,468,000 | 2,686 |
| Average earning assets | $217,018,600 | 2,653 |
| Average equity | $19,764,800 | 3,179 |
| Average total loans | $131,006,400 | 2,843 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,951 |
| Cost of funding earning assets | 1.0400% | 405 |
| Net interest margin | 2.7328% | 6,115 |
| Noninterest income to average assets | 0.4656% | 4,032 |
| Noninterest expense to average assets | 2.6936% | 4,037 |
| Loan and lease loss provision to assets | 0.0515% | 3,994 |
| Net operating income to assets | 0.2101% | 5,886 |
| Return on assets (ROA) | 0.2717% | 5,809 |
| Pretax return on assets | 0.3369% | 5,783 |
| Return on Equity (ROE) | 3.1661% | 5,544 |
| Retained earnings to average equity (ytd only) | 3.1661% | 4,421 |
| Net charge-offs to loans | 0.1916% | 2,691 |
| Credit loss provision to net charge-offs | 47.1204% | 3,577 |
| Earnings coverage of net charge-offs (x) | 2.8586% | 3,879 |
| Efficiency ratio | 89.6099% | 1,032 |
| Assets per employee ($millions) | 4.5046% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6510% | 6,498 |
| Loan loss allowance to noncurrent loans | 95.5814% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 4,973 |
| Noncurrent loans to loans | 0.6811% | 4,497 |
| Net loans and leases to total assets | 53.5545% | 4,684 |
| Net loans and leases to deposits | 64.8454% | 4,428 |
| Net loans and leases to core deposits | 67.2795% | 4,593 |
| Total domestic deposits to total assets | 82.5879% | 4,724 |
| Equity capital to assets | 8.1075% | 6,070 |
| Core capital (leverage) ratio | 8.6304% | 5,622 |
| Tier 1 risk-based capital ratio | 19.8697% | 1,762 |
| Total risk-based capital ratio | 20.6834% | 1,847 |
| Memoranda: | ||
| Average total assets | $233,088,250 | 2,703 |
| Average earning assets | $216,669,000 | 2,667 |
| Average equity | $20,003,250 | 3,185 |
| Average total loans | $132,920,000 | 2,822 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7616% | 4,952 |
| Cost of funding earning assets | 1.0493% | 431 |
| Net interest margin | 2.7122% | 6,164 |
| Noninterest income to average assets | 0.3489% | 4,898 |
| Noninterest expense to average assets | 2.7494% | 3,858 |
| Loan and lease loss provision to assets | 0.0516% | 3,958 |
| Net operating income to assets | 0.0647% | 6,214 |
| Return on assets (ROA) | 0.1745% | 6,078 |
| Pretax return on assets | 0.1813% | 6,107 |
| Return on Equity (ROE) | 1.9960% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.9960% | 5,001 |
| Net charge-offs to loans | 0.2812% | 2,074 |
| Credit loss provision to net charge-offs | 31.5789% | 3,561 |
| Earnings coverage of net charge-offs (x) | 0.7263% | 4,279 |
| Efficiency ratio | 95.8645% | 665 |
| Assets per employee ($millions) | 4.3852% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6052% | 6,611 |
| Loan loss allowance to noncurrent loans | 75.3086% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 4,759 |
| Noncurrent loans to loans | 0.8036% | 4,305 |
| Net loans and leases to total assets | 56.0366% | 4,283 |
| Net loans and leases to deposits | 66.7119% | 4,183 |
| Net loans and leases to core deposits | 69.1808% | 4,368 |
| Total domestic deposits to total assets | 83.9980% | 4,317 |
| Equity capital to assets | 8.2327% | 6,033 |
| Core capital (leverage) ratio | 8.5678% | 5,588 |
| Tier 1 risk-based capital ratio | 19.3556% | 1,891 |
| Total risk-based capital ratio | 20.1306% | 1,986 |
| Memoranda: | ||
| Average total assets | $232,704,330 | 2,714 |
| Average earning assets | $216,134,000 | 2,683 |
| Average equity | $20,340,670 | 3,174 |
| Average total loans | $135,137,330 | 2,785 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 4,873 |
| Cost of funding earning assets | 1.0547% | 462 |
| Net interest margin | 2.7304% | 6,165 |
| Noninterest income to average assets | 0.3642% | 4,752 |
| Noninterest expense to average assets | 2.7881% | 3,740 |
| Loan and lease loss provision to assets | 0.0515% | 3,757 |
| Net operating income to assets | 0.0928% | 6,163 |
| Return on assets (ROA) | 0.0996% | 6,243 |
| Pretax return on assets | 0.0618% | 6,318 |
| Return on Equity (ROE) | 1.1077% | 6,197 |
| Retained earnings to average equity (ytd only) | 1.1077% | 5,411 |
| Net charge-offs to loans | 0.3849% | 1,491 |
| Credit loss provision to net charge-offs | 22.7273% | 3,000 |
| Earnings coverage of net charge-offs (x) | 0.4697% | 3,662 |
| Efficiency ratio | 96.3205% | 715 |
| Assets per employee ($millions) | 4.4048% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 6,702 |
| Loan loss allowance to noncurrent loans | 72.1441% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 4,725 |
| Noncurrent loans to loans | 0.8409% | 4,438 |
| Net loans and leases to total assets | 57.6140% | 3,827 |
| Net loans and leases to deposits | 69.5320% | 3,570 |
| Net loans and leases to core deposits | 72.2231% | 3,793 |
| Total domestic deposits to total assets | 82.8598% | 4,903 |
| Equity capital to assets | 8.9888% | 5,497 |
| Core capital (leverage) ratio | 8.3952% | 5,715 |
| Tier 1 risk-based capital ratio | 19.5294% | 1,897 |
| Total risk-based capital ratio | 20.3449% | 1,993 |
| Memoranda: | ||
| Average total assets | $232,849,500 | 2,749 |
| Average earning assets | $215,796,000 | 2,710 |
| Average equity | $20,944,000 | 3,139 |
| Average total loans | $137,191,000 | 2,775 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 4,573 |
| Cost of funding earning assets | 1.3218% | 340 |
| Net interest margin | 2.8843% | 6,254 |
| Noninterest income to average assets | 0.3904% | 4,683 |
| Noninterest expense to average assets | 2.3901% | 5,432 |
| Loan and lease loss provision to assets | 0.1313% | 3,978 |
| Net operating income to assets | 0.3748% | 5,202 |
| Return on assets (ROA) | 0.4920% | 4,967 |
| Pretax return on assets | 0.7126% | 4,627 |
| Return on Equity (ROE) | 5.7268% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.7268% | 2,235 |
| Net charge-offs to loans | 0.0467% | 5,262 |
| Credit loss provision to net charge-offs | 442.8571% | 549 |
| Earnings coverage of net charge-offs (x) | 22.7429% | 1,246 |
| Efficiency ratio | 78.0019% | 2,445 |
| Assets per employee ($millions) | 4.1472% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6638% | 6,681 |
| Loan loss allowance to noncurrent loans | 53.4453% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 4,529 |
| Noncurrent loans to loans | 1.2419% | 3,767 |
| Net loans and leases to total assets | 59.4785% | 3,687 |
| Net loans and leases to deposits | 71.1704% | 3,541 |
| Net loans and leases to core deposits | 73.8957% | 3,792 |
| Total domestic deposits to total assets | 83.5719% | 4,512 |
| Equity capital to assets | 9.0005% | 5,521 |
| Core capital (leverage) ratio | 8.4145% | 5,736 |
| Tier 1 risk-based capital ratio | 19.5750% | 1,794 |
| Total risk-based capital ratio | 20.4967% | 1,856 |
| Memoranda: | ||
| Average total assets | $236,181,400 | 2,670 |
| Average earning assets | $218,942,000 | 2,621 |
| Average equity | $20,290,400 | 3,166 |
| Average total loans | $149,812,800 | 2,575 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 4,496 |
| Cost of funding earning assets | 1.3815% | 315 |
| Net interest margin | 2.9061% | 6,349 |
| Noninterest income to average assets | 0.3294% | 5,162 |
| Noninterest expense to average assets | 2.3808% | 5,453 |
| Loan and lease loss provision to assets | 0.0506% | 5,125 |
| Net operating income to assets | 0.4059% | 5,223 |
| Return on assets (ROA) | 0.5121% | 5,055 |
| Pretax return on assets | 0.7471% | 4,685 |
| Return on Equity (ROE) | 6.0318% | 4,317 |
| Retained earnings to average equity (ytd only) | 6.0318% | 2,683 |
| Net charge-offs to loans | 0.0612% | 4,810 |
| Credit loss provision to net charge-offs | 128.5714% | 2,241 |
| Earnings coverage of net charge-offs (x) | 16.3573% | 1,697 |
| Efficiency ratio | 78.7175% | 2,282 |
| Assets per employee ($millions) | 4.5662% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4876% | 6,959 |
| Loan loss allowance to noncurrent loans | 44.3253% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 4,910 |
| Noncurrent loans to loans | 1.1001% | 4,225 |
| Net loans and leases to total assets | 61.6036% | 3,463 |
| Net loans and leases to deposits | 72.9023% | 3,465 |
| Net loans and leases to core deposits | 75.6638% | 3,770 |
| Total domestic deposits to total assets | 84.5016% | 3,978 |
| Equity capital to assets | 8.9318% | 5,893 |
| Core capital (leverage) ratio | 8.2789% | 6,050 |
| Tier 1 risk-based capital ratio | 18.7367% | 2,093 |
| Total risk-based capital ratio | 19.4173% | 2,256 |
| Memoranda: | ||
| Average total assets | $237,166,250 | 2,684 |
| Average earning assets | $219,949,250 | 2,647 |
| Average equity | $20,137,250 | 3,217 |
| Average total loans | $152,501,750 | 2,566 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 4,402 |
| Cost of funding earning assets | 1.4435% | 295 |
| Net interest margin | 2.8996% | 6,429 |
| Noninterest income to average assets | 0.2884% | 5,502 |
| Noninterest expense to average assets | 2.3831% | 5,513 |
| Loan and lease loss provision to assets | 0.0503% | 5,043 |
| Net operating income to assets | 0.3708% | 5,341 |
| Return on assets (ROA) | 0.5122% | 5,024 |
| Pretax return on assets | 0.7519% | 4,642 |
| Return on Equity (ROE) | 6.1357% | 4,256 |
| Retained earnings to average equity (ytd only) | 6.1357% | 2,622 |
| Net charge-offs to loans | 0.0837% | 4,309 |
| Credit loss provision to net charge-offs | 92.3077% | 2,971 |
| Earnings coverage of net charge-offs (x) | 10.9077% | 2,011 |
| Efficiency ratio | 80.0394% | 2,168 |
| Assets per employee ($millions) | 4.5861% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4499% | 7,048 |
| Loan loss allowance to noncurrent loans | 40.7452% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 4,945 |
| Noncurrent loans to loans | 1.1042% | 4,318 |
| Net loans and leases to total assets | 62.9097% | 3,250 |
| Net loans and leases to deposits | 75.3412% | 3,076 |
| Net loans and leases to core deposits | 78.1147% | 3,499 |
| Total domestic deposits to total assets | 83.4997% | 4,528 |
| Equity capital to assets | 8.5560% | 6,158 |
| Core capital (leverage) ratio | 7.9983% | 6,282 |
| Tier 1 risk-based capital ratio | 17.9687% | 2,299 |
| Total risk-based capital ratio | 18.6082% | 2,492 |
| Memoranda: | ||
| Average total assets | $238,596,330 | 2,677 |
| Average earning assets | $221,272,670 | 2,631 |
| Average equity | $19,916,330 | 3,231 |
| Average total loans | $155,281,330 | 2,532 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 4,265 |
| Cost of funding earning assets | 1.5187% | 263 |
| Net interest margin | 2.8968% | 6,493 |
| Noninterest income to average assets | 0.2715% | 5,704 |
| Noninterest expense to average assets | 2.3498% | 5,625 |
| Loan and lease loss provision to assets | 0.0503% | 4,784 |
| Net operating income to assets | 0.3914% | 5,292 |
| Return on assets (ROA) | 0.4324% | 5,301 |
| Pretax return on assets | 0.6218% | 5,044 |
| Return on Equity (ROE) | 5.2459% | 4,669 |
| Retained earnings to average equity (ytd only) | 5.2459% | 3,405 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2986% | 2,303 |
| Assets per employee ($millions) | 4.3209% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4580% | 7,100 |
| Loan loss allowance to noncurrent loans | 60.5263% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 5,384 |
| Noncurrent loans to loans | 0.7568% | 5,148 |
| Net loans and leases to total assets | 65.2012% | 2,617 |
| Net loans and leases to deposits | 77.7255% | 2,565 |
| Net loans and leases to core deposits | 80.8857% | 2,959 |
| Total domestic deposits to total assets | 83.8865% | 4,550 |
| Equity capital to assets | 8.3172% | 6,258 |
| Core capital (leverage) ratio | 7.8773% | 6,350 |
| Tier 1 risk-based capital ratio | 17.3399% | 2,533 |
| Total risk-based capital ratio | 18.0011% | 2,742 |
| Memoranda: | ||
| Average total assets | $238,657,000 | 2,685 |
| Average earning assets | $221,765,500 | 2,639 |
| Average equity | $19,672,500 | 3,266 |
| Average total loans | $157,571,000 | 2,520 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 4,001 |
| Cost of funding earning assets | 1.7898% | 223 |
| Net interest margin | 2.9670% | 6,578 |
| Noninterest income to average assets | 0.1817% | 6,192 |
| Noninterest expense to average assets | 2.3250% | 5,986 |
| Loan and lease loss provision to assets | 0.0635% | 5,816 |
| Net operating income to assets | 0.3871% | 4,920 |
| Return on assets (ROA) | 0.4298% | 4,933 |
| Pretax return on assets | 0.6223% | 4,624 |
| Return on Equity (ROE) | 5.5694% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.5694% | 2,258 |
| Net charge-offs to loans | 0.0539% | 5,780 |
| Credit loss provision to net charge-offs | 165.2174% | 1,642 |
| Earnings coverage of net charge-offs (x) | 16.2391% | 1,343 |
| Efficiency ratio | 78.8415% | 2,480 |
| Assets per employee ($millions) | 4.6089% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4289% | 7,150 |
| Loan loss allowance to noncurrent loans | 41.7073% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 5,050 |
| Noncurrent loans to loans | 1.0284% | 4,654 |
| Net loans and leases to total assets | 66.2571% | 2,738 |
| Net loans and leases to deposits | 81.3993% | 2,293 |
| Net loans and leases to core deposits | 84.6607% | 2,789 |
| Total domestic deposits to total assets | 81.3976% | 5,326 |
| Equity capital to assets | 8.1694% | 6,462 |
| Core capital (leverage) ratio | 7.7290% | 6,517 |
| Tier 1 risk-based capital ratio | 16.8264% | 2,677 |
| Total risk-based capital ratio | 17.4507% | 2,920 |
| Memoranda: | ||
| Average total assets | $239,437,000 | 2,642 |
| Average earning assets | $223,324,600 | 2,574 |
| Average equity | $18,476,000 | 3,365 |
| Average total loans | $170,660,000 | 2,368 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 3,914 |
| Cost of funding earning assets | 1.8430% | 216 |
| Net interest margin | 2.9816% | 6,616 |
| Noninterest income to average assets | 0.1331% | 6,589 |
| Noninterest expense to average assets | 2.3894% | 5,791 |
| Loan and lease loss provision to assets | 0.0501% | 5,822 |
| Net operating income to assets | 0.3319% | 5,284 |
| Return on assets (ROA) | 0.3877% | 5,234 |
| Pretax return on assets | 0.5548% | 4,953 |
| Return on Equity (ROE) | 5.0987% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.0987% | 3,109 |
| Net charge-offs to loans | 0.0461% | 5,527 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 15.7163% | 1,446 |
| Efficiency ratio | 81.9797% | 1,973 |
| Assets per employee ($millions) | 4.6094% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3912% | 7,237 |
| Loan loss allowance to noncurrent loans | 42.6614% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 5,442 |
| Noncurrent loans to loans | 0.9170% | 5,039 |
| Net loans and leases to total assets | 69.4746% | 2,186 |
| Net loans and leases to deposits | 84.2881% | 1,956 |
| Net loans and leases to core deposits | 87.6008% | 2,544 |
| Total domestic deposits to total assets | 82.4251% | 4,908 |
| Equity capital to assets | 8.0325% | 6,679 |
| Core capital (leverage) ratio | 7.5903% | 6,705 |
| Tier 1 risk-based capital ratio | 16.2109% | 3,011 |
| Total risk-based capital ratio | 16.7965% | 3,322 |
| Memoranda: | ||
| Average total assets | $239,380,750 | 2,653 |
| Average earning assets | $223,322,250 | 2,584 |
| Average equity | $18,200,250 | 3,404 |
| Average total loans | $173,455,750 | 2,346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 3,612 |
| Cost of funding earning assets | 1.8991% | 204 |
| Net interest margin | 3.0029% | 6,604 |
| Noninterest income to average assets | 0.1103% | 6,784 |
| Noninterest expense to average assets | 2.4850% | 5,599 |
| Loan and lease loss provision to assets | 0.0502% | 5,685 |
| Net operating income to assets | 0.2771% | 5,459 |
| Return on assets (ROA) | 0.3009% | 5,507 |
| Pretax return on assets | 0.4137% | 5,353 |
| Return on Equity (ROE) | 4.0338% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.0338% | 3,634 |
| Net charge-offs to loans | 0.0684% | 4,956 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,036 |
| Efficiency ratio | 85.2107% | 1,680 |
| Assets per employee ($millions) | 4.5847% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3653% | 7,312 |
| Loan loss allowance to noncurrent loans | 73.4982% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 5,989 |
| Noncurrent loans to loans | 0.4970% | 5,910 |
| Net loans and leases to total assets | 71.3864% | 1,911 |
| Net loans and leases to deposits | 87.8621% | 1,521 |
| Net loans and leases to core deposits | 91.2409% | 2,225 |
| Total domestic deposits to total assets | 81.2482% | 5,447 |
| Equity capital to assets | 7.7956% | 6,809 |
| Core capital (leverage) ratio | 7.4801% | 6,754 |
| Tier 1 risk-based capital ratio | 15.4737% | 3,262 |
| Total risk-based capital ratio | 16.0170% | 3,603 |
| Memoranda: | ||
| Average total assets | $239,278,000 | 2,666 |
| Average earning assets | $223,581,670 | 2,603 |
| Average equity | $17,849,330 | 3,440 |
| Average total loans | $175,548,670 | 2,343 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 3,340 |
| Cost of funding earning assets | 1.9392% | 213 |
| Net interest margin | 3.0086% | 6,555 |
| Noninterest income to average assets | 0.2102% | 6,232 |
| Noninterest expense to average assets | 2.4396% | 5,768 |
| Loan and lease loss provision to assets | 0.0501% | 5,376 |
| Net operating income to assets | 0.3626% | 5,112 |
| Return on assets (ROA) | 0.4522% | 4,793 |
| Pretax return on assets | 0.6691% | 4,421 |
| Return on Equity (ROE) | 6.2008% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.2008% | 2,523 |
| Net charge-offs to loans | 0.0202% | 4,791 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 39.1111% | 694 |
| Efficiency ratio | 80.5954% | 2,422 |
| Assets per employee ($millions) | 4.7889% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3644% | 7,366 |
| Loan loss allowance to noncurrent loans | 63.2974% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 5,741 |
| Noncurrent loans to loans | 0.5757% | 5,875 |
| Net loans and leases to total assets | 73.6469% | 1,401 |
| Net loans and leases to deposits | 90.1923% | 1,209 |
| Net loans and leases to core deposits | 93.8374% | 1,904 |
| Total domestic deposits to total assets | 81.6554% | 5,435 |
| Equity capital to assets | 7.3930% | 6,927 |
| Core capital (leverage) ratio | 7.3860% | 6,803 |
| Tier 1 risk-based capital ratio | 14.8192% | 3,527 |
| Total risk-based capital ratio | 15.3597% | 3,971 |
| Memoranda: | ||
| Average total assets | $239,715,000 | 2,668 |
| Average earning assets | $224,426,000 | 2,609 |
| Average equity | $17,481,500 | 3,494 |
| Average total loans | $177,917,000 | 2,337 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1458% | 3,877 |
| Cost of funding earning assets | 2.2072% | 301 |
| Net interest margin | 2.9387% | 6,838 |
| Noninterest income to average assets | 0.0873% | 6,956 |
| Noninterest expense to average assets | 2.2485% | 6,483 |
| Loan and lease loss provision to assets | 0.2381% | 4,909 |
| Net operating income to assets | 0.2658% | 5,052 |
| Return on assets (ROA) | 0.3514% | 4,898 |
| Pretax return on assets | 0.5051% | 4,606 |
| Return on Equity (ROE) | 4.8715% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.8715% | 2,498 |
| Net charge-offs to loans | 0.4092% | 3,997 |
| Credit loss provision to net charge-offs | 77.7927% | 5,640 |
| Earnings coverage of net charge-offs (x) | 2.0283% | 4,212 |
| Efficiency ratio | 78.3632% | 2,638 |
| Assets per employee ($millions) | 4.6151% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3489% | 7,456 |
| Loan loss allowance to noncurrent loans | 67.7524% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 5,787 |
| Noncurrent loans to loans | 0.5150% | 6,008 |
| Net loans and leases to total assets | 74.2635% | 1,606 |
| Net loans and leases to deposits | 91.2457% | 1,361 |
| Net loans and leases to core deposits | 94.8984% | 2,147 |
| Total domestic deposits to total assets | 81.3885% | 5,392 |
| Equity capital to assets | 7.1925% | 7,041 |
| Core capital (leverage) ratio | 7.2516% | 6,880 |
| Tier 1 risk-based capital ratio | 14.5673% | 3,499 |
| Total risk-based capital ratio | 15.0893% | 3,953 |
| Memoranda: | ||
| Average total assets | $242,745,000 | 2,611 |
| Average earning assets | $229,798,000 | 2,527 |
| Average equity | $17,510,000 | 3,505 |
| Average total loans | $181,585,200 | 2,335 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 3,802 |
| Cost of funding earning assets | 2.2583% | 316 |
| Net interest margin | 2.9466% | 6,935 |
| Noninterest income to average assets | 0.1156% | 6,972 |
| Noninterest expense to average assets | 2.2522% | 6,460 |
| Loan and lease loss provision to assets | 0.2585% | 4,516 |
| Net operating income to assets | 0.2709% | 5,275 |
| Return on assets (ROA) | 0.3702% | 5,068 |
| Pretax return on assets | 0.5367% | 4,804 |
| Return on Equity (ROE) | 5.1292% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.1292% | 2,895 |
| Net charge-offs to loans | 0.4206% | 3,608 |
| Credit loss provision to net charge-offs | 82.0870% | 5,069 |
| Earnings coverage of net charge-offs (x) | 2.0678% | 4,172 |
| Efficiency ratio | 77.5703% | 2,684 |
| Assets per employee ($millions) | 4.8812% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3797% | 7,547 |
| Loan loss allowance to noncurrent loans | 63.6111% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 6,166 |
| Noncurrent loans to loans | 0.5969% | 6,018 |
| Net loans and leases to total assets | 73.8497% | 1,835 |
| Net loans and leases to deposits | 90.7496% | 1,613 |
| Net loans and leases to core deposits | 94.2973% | 2,485 |
| Total domestic deposits to total assets | 81.3774% | 5,243 |
| Equity capital to assets | 7.3343% | 7,211 |
| Core capital (leverage) ratio | 7.0815% | 7,120 |
| Tier 1 risk-based capital ratio | 14.5859% | 3,463 |
| Total risk-based capital ratio | 15.1673% | 3,866 |
| Memoranda: | ||
| Average total assets | $243,434,750 | 2,651 |
| Average earning assets | $230,316,250 | 2,563 |
| Average equity | $17,572,250 | 3,541 |
| Average total loans | $182,270,000 | 2,369 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2496% | 3,715 |
| Cost of funding earning assets | 2.3014% | 333 |
| Net interest margin | 2.9482% | 6,938 |
| Noninterest income to average assets | 0.1036% | 7,085 |
| Noninterest expense to average assets | 2.2341% | 6,557 |
| Loan and lease loss provision to assets | 0.0830% | 6,100 |
| Net operating income to assets | 0.3980% | 4,765 |
| Return on assets (ROA) | 0.3980% | 4,923 |
| Pretax return on assets | 0.5715% | 4,662 |
| Return on Equity (ROE) | 5.5431% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.5431% | 2,586 |
| Net charge-offs to loans | 0.0241% | 6,002 |
| Credit loss provision to net charge-offs | 459.0909% | 796 |
| Earnings coverage of net charge-offs (x) | 36.1818% | 797 |
| Efficiency ratio | 77.3413% | 2,840 |
| Assets per employee ($millions) | 4.7458% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4771% | 7,532 |
| Loan loss allowance to noncurrent loans | 87.5883% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 6,438 |
| Noncurrent loans to loans | 0.5447% | 6,162 |
| Net loans and leases to total assets | 73.3687% | 2,067 |
| Net loans and leases to deposits | 90.4111% | 1,787 |
| Net loans and leases to core deposits | 93.7668% | 2,750 |
| Total domestic deposits to total assets | 81.1501% | 5,350 |
| Equity capital to assets | 7.2238% | 7,265 |
| Core capital (leverage) ratio | 6.9285% | 7,229 |
| Tier 1 risk-based capital ratio | 14.3756% | 3,505 |
| Total risk-based capital ratio | 15.1077% | 3,797 |
| Memoranda: | ||
| Average total assets | $243,227,000 | 2,676 |
| Average earning assets | $229,770,670 | 2,585 |
| Average equity | $17,463,000 | 3,552 |
| Average total loans | $182,719,000 | 2,393 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2654% | 3,705 |
| Cost of funding earning assets | 2.3597% | 349 |
| Net interest margin | 2.9057% | 7,011 |
| Noninterest income to average assets | 0.0944% | 7,236 |
| Noninterest expense to average assets | 2.2762% | 6,458 |
| Loan and lease loss provision to assets | 0.0248% | 6,415 |
| Net operating income to assets | 0.3744% | 4,952 |
| Return on assets (ROA) | 0.3744% | 5,079 |
| Pretax return on assets | 0.5351% | 4,834 |
| Return on Equity (ROE) | 5.2312% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.2312% | 3,025 |
| Net charge-offs to loans | 0.0044% | 5,560 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 200 |
| Efficiency ratio | 80.2570% | 2,527 |
| Assets per employee ($millions) | 4.6578% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4403% | 7,656 |
| Loan loss allowance to noncurrent loans | 70.9735% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 6,304 |
| Noncurrent loans to loans | 0.6204% | 6,070 |
| Net loans and leases to total assets | 74.8686% | 1,773 |
| Net loans and leases to deposits | 92.6124% | 1,526 |
| Net loans and leases to core deposits | 96.0950% | 2,576 |
| Total domestic deposits to total assets | 80.8408% | 5,510 |
| Equity capital to assets | 7.2116% | 7,278 |
| Core capital (leverage) ratio | 6.9500% | 7,283 |
| Tier 1 risk-based capital ratio | 14.2485% | 3,513 |
| Total risk-based capital ratio | 14.9292% | 3,828 |
| Memoranda: | ||
| Average total assets | $241,450,000 | 2,747 |
| Average earning assets | $227,827,000 | 2,658 |
| Average equity | $17,281,000 | 3,608 |
| Average total loans | $183,114,500 | 2,452 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5373% | 3,943 |
| Cost of funding earning assets | 2.8556% | 370 |
| Net interest margin | 2.6817% | 7,236 |
| Noninterest income to average assets | 0.1021% | 7,257 |
| Noninterest expense to average assets | 2.3050% | 6,735 |
| Loan and lease loss provision to assets | 0.0659% | 6,916 |
| Net operating income to assets | 0.2755% | 4,624 |
| Return on assets (ROA) | 0.2755% | 4,717 |
| Pretax return on assets | 0.2771% | 4,825 |
| Return on Equity (ROE) | 4.0081% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.0081% | 2,404 |
| Net charge-offs to loans | 0.0091% | 7,104 |
| Credit loss provision to net charge-offs | 941.1765% | 310 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 525 |
| Efficiency ratio | 87.0471% | 1,987 |
| Assets per employee ($millions) | 4.6287% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4286% | 7,732 |
| Loan loss allowance to noncurrent loans | 56.1566% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 5,912 |
| Noncurrent loans to loans | 0.7632% | 5,742 |
| Net loans and leases to total assets | 76.1555% | 1,751 |
| Net loans and leases to deposits | 94.8277% | 1,488 |
| Net loans and leases to core deposits | 110.7164% | 2,819 |
| Total domestic deposits to total assets | 80.3094% | 5,583 |
| Equity capital to assets | 7.1024% | 7,326 |
| Core capital (leverage) ratio | 6.8955% | 7,316 |
| Tier 1 risk-based capital ratio | 13.8195% | 3,623 |
| Total risk-based capital ratio | 14.4779% | 3,939 |
| Memoranda: | ||
| Average total assets | $242,860,400 | 2,685 |
| Average earning assets | $230,564,000 | 2,596 |
| Average equity | $16,691,200 | 3,737 |
| Average total loans | $187,629,400 | 2,430 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5787% | 3,984 |
| Cost of funding earning assets | 2.9495% | 383 |
| Net interest margin | 2.6292% | 7,320 |
| Noninterest income to average assets | 0.1074% | 7,368 |
| Noninterest expense to average assets | 2.3434% | 6,582 |
| Loan and lease loss provision to assets | 0.0110% | 7,225 |
| Net operating income to assets | 0.2410% | 5,019 |
| Return on assets (ROA) | 0.2410% | 5,104 |
| Pretax return on assets | 0.2536% | 5,181 |
| Return on Equity (ROE) | 3.5361% | 4,562 |
| Retained earnings to average equity (ytd only) | 3.5361% | 3,315 |
| Net charge-offs to loans | 0.0099% | 6,801 |
| Credit loss provision to net charge-offs | 142.8571% | 3,426 |
| Earnings coverage of net charge-offs (x) | 34.4928% | 837 |
| Efficiency ratio | 89.8551% | 1,700 |
| Assets per employee ($millions) | 4.6903% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3517% | 7,868 |
| Loan loss allowance to noncurrent loans | 39.5631% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 5,524 |
| Noncurrent loans to loans | 0.8890% | 5,506 |
| Net loans and leases to total assets | 75.7361% | 2,052 |
| Net loans and leases to deposits | 95.0709% | 1,700 |
| Net loans and leases to core deposits | 110.7947% | 3,147 |
| Total domestic deposits to total assets | 79.6627% | 5,572 |
| Equity capital to assets | 6.9702% | 7,608 |
| Core capital (leverage) ratio | 6.7147% | 7,577 |
| Tier 1 risk-based capital ratio | 13.1713% | 4,072 |
| Total risk-based capital ratio | 13.6971% | 4,541 |
| Memoranda: | ||
| Average total assets | $243,402,250 | 2,696 |
| Average earning assets | $231,494,500 | 2,601 |
| Average equity | $16,590,250 | 3,786 |
| Average total loans | $188,514,250 | 2,442 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 3,898 |
| Cost of funding earning assets | 3.0472% | 413 |
| Net interest margin | 2.5853% | 7,375 |
| Noninterest income to average assets | 0.1200% | 7,389 |
| Noninterest expense to average assets | 2.3311% | 6,672 |
| Loan and lease loss provision to assets | 0.0164% | 7,064 |
| Net operating income to assets | 0.2393% | 5,132 |
| Return on assets (ROA) | 0.2393% | 5,219 |
| Pretax return on assets | 0.2393% | 5,353 |
| Return on Equity (ROE) | 3.5372% | 4,693 |
| Retained earnings to average equity (ytd only) | 3.5372% | 3,336 |
| Net charge-offs to loans | 0.0148% | 6,329 |
| Credit loss provision to net charge-offs | 142.8571% | 3,247 |
| Earnings coverage of net charge-offs (x) | 22.2143% | 1,234 |
| Efficiency ratio | 90.1144% | 1,792 |
| Assets per employee ($millions) | 4.6078% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3511% | 7,944 |
| Loan loss allowance to noncurrent loans | 38.4434% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 5,294 |
| Noncurrent loans to loans | 0.9133% | 5,390 |
| Net loans and leases to total assets | 75.7727% | 2,235 |
| Net loans and leases to deposits | 95.4229% | 1,885 |
| Net loans and leases to core deposits | 111.5777% | 3,194 |
| Total domestic deposits to total assets | 79.4072% | 5,684 |
| Equity capital to assets | 6.7728% | 7,720 |
| Core capital (leverage) ratio | 6.6359% | 7,724 |
| Tier 1 risk-based capital ratio | 13.3464% | 3,901 |
| Total risk-based capital ratio | 13.8842% | 4,331 |
| Memoranda: | ||
| Average total assets | $243,237,330 | 2,722 |
| Average earning assets | $232,080,330 | 2,604 |
| Average equity | $16,453,670 | 3,824 |
| Average total loans | $189,562,330 | 2,461 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7000% | 3,808 |
| Cost of funding earning assets | 3.1384% | 408 |
| Net interest margin | 2.5616% | 7,423 |
| Noninterest income to average assets | 0.1104% | 7,483 |
| Noninterest expense to average assets | 2.3959% | 6,202 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1104% | 5,953 |
| Return on assets (ROA) | 0.1104% | 6,114 |
| Pretax return on assets | 0.1664% | 6,017 |
| Return on Equity (ROE) | 1.6331% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.6331% | 4,929 |
| Net charge-offs to loans | 0.0084% | 5,544 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,212 |
| Efficiency ratio | 93.5048% | 1,463 |
| Assets per employee ($millions) | 4.7138% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3384% | 8,007 |
| Loan loss allowance to noncurrent loans | 35.0820% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 4,821 |
| Noncurrent loans to loans | 0.9646% | 5,065 |
| Net loans and leases to total assets | 77.1345% | 2,012 |
| Net loans and leases to deposits | 97.1898% | 1,775 |
| Net loans and leases to core deposits | 117.0551% | 2,677 |
| Total domestic deposits to total assets | 79.3648% | 5,585 |
| Equity capital to assets | 6.6935% | 7,812 |
| Core capital (leverage) ratio | 6.5252% | 7,868 |
| Tier 1 risk-based capital ratio | 12.9749% | 4,193 |
| Total risk-based capital ratio | 13.4968% | 4,657 |
| Memoranda: | ||
| Average total assets | $242,750,000 | 2,739 |
| Average earning assets | $232,350,500 | 2,617 |
| Average equity | $16,410,500 | 3,862 |
| Average total loans | $191,494,500 | 2,453 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7243% | 6,698 |
| Cost of funding earning assets | 3.5718% | 429 |
| Net interest margin | 2.1524% | 7,986 |
| Noninterest income to average assets | 0.0642% | 7,826 |
| Noninterest expense to average assets | 1.9625% | 7,516 |
| Loan and lease loss provision to assets | 1.2204% | 1,175 |
| Net operating income to assets | -0.6460% | 7,035 |
| Return on assets (ROA) | -0.6460% | 6,927 |
| Pretax return on assets | -1.0463% | 7,028 |
| Return on Equity (ROE) | -9.4311% | 7,234 |
| Retained earnings to average equity (ytd only) | -9.4311% | 7,017 |
| Net charge-offs to loans | 0.0461% | 6,126 |
| Credit loss provision to net charge-offs | 3,432.9545% | 148 |
| Earnings coverage of net charge-offs (x) | 4.8977% | 3,820 |
| Efficiency ratio | 91.8510% | 1,391 |
| Assets per employee ($millions) | 4.8076% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3342% | 8,055 |
| Loan loss allowance to noncurrent loans | 44.8300% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8507% | 4,720 |
| Noncurrent loans to loans | 0.7456% | 5,164 |
| Net loans and leases to total assets | 80.1352% | 1,637 |
| Net loans and leases to deposits | 101.5034% | 1,642 |
| Net loans and leases to core deposits | 122.2560% | 2,482 |
| Total domestic deposits to total assets | 78.9483% | 5,394 |
| Equity capital to assets | 6.8284% | 7,814 |
| Core capital (leverage) ratio | 6.6289% | 7,886 |
| Tier 1 risk-based capital ratio | 12.8189% | 4,207 |
| Total risk-based capital ratio | 13.3400% | 4,631 |
| Memoranda: | ||
| Average total assets | $247,541,400 | 2,583 |
| Average earning assets | $238,336,000 | 2,469 |
| Average equity | $16,954,600 | 3,747 |
| Average total loans | $190,845,000 | 2,382 |