Home > EverTrust Bank > Performance and Condition Ratios
EverTrust Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9554% | 1,243 |
| Cost of funding earning assets | 2.2563% | 1,299 |
| Net interest margin | 3.6992% | 1,881 |
| Noninterest income to average assets | 0.0800% | 4,206 |
| Noninterest expense to average assets | 1.8646% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1533% | 1,850 |
| Return on assets (ROA) | 1.1533% | 1,853 |
| Pretax return on assets | 1.6334% | 1,234 |
| Return on Equity (ROE) | 4.5300% | 3,622 |
| Retained earnings to average equity (ytd only) | 4.5343% | 2,697 |
| 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 | 53.3054% | 3,651 |
| Assets per employee ($millions) | 10.5844% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 1,371 |
| Loan loss allowance to noncurrent loans | 462.8438% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 2,333 |
| Noncurrent loans to loans | 0.2981% | 2,425 |
| Net loans and leases to total assets | 73.6900% | 1,379 |
| Net loans and leases to deposits | 101.5459% | 350 |
| Net loans and leases to core deposits | 168.8701% | 84 |
| Total domestic deposits to total assets | 72.5700% | 4,136 |
| Equity capital to assets | 25.4111% | 193 |
| Core capital (leverage) ratio | 23.4348% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $954,821,000 | 1,083 |
| Average earning assets | $881,277,500 | 1,074 |
| Average equity | $242,859,000 | 514 |
| Average total loans | $692,064,500 | 1,042 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5786% | 638 |
| Cost of funding earning assets | 2.6027% | 968 |
| Net interest margin | 3.9759% | 1,220 |
| Noninterest income to average assets | 0.1400% | 4,039 |
| Noninterest expense to average assets | 2.0401% | 3,513 |
| Loan and lease loss provision to assets | -1.3700% | 4,453 |
| Net operating income to assets | 2.1830% | 299 |
| Return on assets (ROA) | 2.1830% | 304 |
| Pretax return on assets | 3.1023% | 173 |
| Return on Equity (ROE) | 8.6500% | 2,566 |
| Retained earnings to average equity (ytd only) | 8.6485% | 900 |
| Net charge-offs to loans | 0.3088% | 487 |
| Credit loss provision to net charge-offs | -604.2927% | 4,442 |
| Earnings coverage of net charge-offs (x) | 7.6502% | 2,423 |
| Efficiency ratio | 54.0667% | 3,716 |
| Assets per employee ($millions) | 10.5162% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,033 |
| Loan loss allowance to noncurrent loans | 459.2044% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 2,285 |
| Noncurrent loans to loans | 0.3254% | 2,293 |
| Net loans and leases to total assets | 69.1600% | 2,001 |
| Net loans and leases to deposits | 96.0184% | 712 |
| Net loans and leases to core deposits | 162.0233% | 117 |
| Total domestic deposits to total assets | 72.0200% | 4,148 |
| Equity capital to assets | 25.4593% | 193 |
| Core capital (leverage) ratio | 23.8350% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $904,854,800 | 1,106 |
| Average earning assets | $827,609,400 | 1,109 |
| Average equity | $228,397,000 | 521 |
| Average total loans | $663,875,800 | 1,054 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6937% | 543 |
| Cost of funding earning assets | 2.6376% | 931 |
| Net interest margin | 4.0561% | 1,065 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 1.9720% | 3,619 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.2891% | 1,325 |
| Return on assets (ROA) | 1.2891% | 1,322 |
| Pretax return on assets | 1.8256% | 843 |
| Return on Equity (ROE) | 5.1200% | 3,503 |
| Retained earnings to average equity (ytd only) | 5.1188% | 2,420 |
| Net charge-offs to loans | 3.5315% | 46 |
| Credit loss provision to net charge-offs | 2.4801% | 2,281 |
| Earnings coverage of net charge-offs (x) | 0.7214% | 2,714 |
| Efficiency ratio | 51.0536% | 3,920 |
| Assets per employee ($millions) | 10.0340% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 2,958 |
| Loan loss allowance to noncurrent loans | 102.1499% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 875 |
| Noncurrent loans to loans | 1.0365% | 959 |
| Net loans and leases to total assets | 75.5700% | 1,184 |
| Net loans and leases to deposits | 104.7775% | 295 |
| Net loans and leases to core deposits | 180.5826% | 63 |
| Total domestic deposits to total assets | 72.1300% | 4,164 |
| Equity capital to assets | 25.8822% | 178 |
| Core capital (leverage) ratio | 22.9757% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $894,454,000 | 1,108 |
| Average earning assets | $816,388,500 | 1,120 |
| Average equity | $225,255,750 | 517 |
| Average total loans | $663,731,750 | 1,051 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6272% | 548 |
| Cost of funding earning assets | 2.6392% | 862 |
| Net interest margin | 3.9880% | 1,126 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 1.9731% | 3,615 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.2421% | 1,381 |
| Return on assets (ROA) | 1.2421% | 1,381 |
| Pretax return on assets | 1.7592% | 905 |
| Return on Equity (ROE) | 4.9800% | 3,519 |
| Retained earnings to average equity (ytd only) | 4.9781% | 2,335 |
| Net charge-offs to loans | 5.2971% | 39 |
| Credit loss provision to net charge-offs | 2.4976% | 1,988 |
| Earnings coverage of net charge-offs (x) | 0.4769% | 2,522 |
| Efficiency ratio | 51.5231% | 3,928 |
| Assets per employee ($millions) | 9.6725% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 2,716 |
| Loan loss allowance to noncurrent loans | 75.8344% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 525 |
| Noncurrent loans to loans | 1.4670% | 595 |
| Net loans and leases to total assets | 73.7600% | 1,439 |
| Net loans and leases to deposits | 101.5941% | 476 |
| Net loans and leases to core deposits | 166.3824% | 112 |
| Total domestic deposits to total assets | 72.6000% | 4,152 |
| Equity capital to assets | 25.3942% | 182 |
| Core capital (leverage) ratio | 22.4251% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $894,931,333 | 1,110 |
| Average earning assets | $816,306,667 | 1,123 |
| Average equity | $223,296,333 | 521 |
| Average total loans | $657,610,000 | 1,060 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4907% | 578 |
| Cost of funding earning assets | 2.5696% | 881 |
| Net interest margin | 3.9211% | 1,192 |
| Noninterest income to average assets | 0.2600% | 3,210 |
| Noninterest expense to average assets | 1.9718% | 3,643 |
| Loan and lease loss provision to assets | 0.1900% | 543 |
| Net operating income to assets | 1.1811% | 1,485 |
| Return on assets (ROA) | 1.1811% | 1,492 |
| Pretax return on assets | 1.6727% | 998 |
| Return on Equity (ROE) | 4.7800% | 3,503 |
| Retained earnings to average equity (ytd only) | 4.7757% | 2,469 |
| Net charge-offs to loans | 10.6437% | 6 |
| Credit loss provision to net charge-offs | 2.4976% | 1,568 |
| Earnings coverage of net charge-offs (x) | 0.2405% | 2,120 |
| Efficiency ratio | 51.3702% | 3,948 |
| Assets per employee ($millions) | 9.9341% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 2,687 |
| Loan loss allowance to noncurrent loans | 71.4811% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 490 |
| Noncurrent loans to loans | 1.5742% | 499 |
| Net loans and leases to total assets | 70.2300% | 1,783 |
| Net loans and leases to deposits | 95.1433% | 786 |
| Net loans and leases to core deposits | 149.8217% | 203 |
| Total domestic deposits to total assets | 73.8100% | 4,146 |
| Equity capital to assets | 24.1573% | 199 |
| Core capital (leverage) ratio | 22.2684% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $897,461,500 | 1,114 |
| Average earning assets | $818,649,500 | 1,119 |
| Average equity | $221,956,500 | 526 |
| Average total loans | $654,544,500 | 1,068 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3444% | 409 |
| Cost of funding earning assets | 1.8813% | 1,103 |
| Net interest margin | 4.4632% | 647 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.7789% | 4,031 |
| Loan and lease loss provision to assets | 1.7400% | 34 |
| Net operating income to assets | 0.4782% | 3,716 |
| Return on assets (ROA) | 0.4782% | 3,714 |
| Pretax return on assets | 0.6605% | 3,519 |
| Return on Equity (ROE) | 1.8900% | 4,168 |
| Retained earnings to average equity (ytd only) | 1.8862% | 3,606 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 42.6096% | 4,299 |
| Assets per employee ($millions) | 9.4680% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7321% | 67 |
| Loan loss allowance to noncurrent loans | 87.4430% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 3.1990% | 64 |
| Noncurrent loans to loans | 4.2680% | 73 |
| Net loans and leases to total assets | 72.1600% | 1,560 |
| Net loans and leases to deposits | 99.3338% | 572 |
| Net loans and leases to core deposits | 152.2259% | 194 |
| Total domestic deposits to total assets | 72.6400% | 4,189 |
| Equity capital to assets | 25.3407% | 189 |
| Core capital (leverage) ratio | 22.4816% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $869,600,800 | 1,111 |
| Average earning assets | $791,970,000 | 1,116 |
| Average equity | $220,438,200 | 500 |
| Average total loans | $607,025,000 | 1,084 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3293% | 359 |
| Cost of funding earning assets | 1.7460% | 1,101 |
| Net interest margin | 4.5833% | 545 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.9715% | 3,663 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.6457% | 869 |
| Return on assets (ROA) | 1.6457% | 863 |
| Pretax return on assets | 2.3335% | 459 |
| Return on Equity (ROE) | 6.4900% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.4915% | 2,468 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.1243% | 4,127 |
| Assets per employee ($millions) | 10.0818% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,035 |
| Loan loss allowance to noncurrent loans | 252.9969% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 1,425 |
| Noncurrent loans to loans | 0.6047% | 1,332 |
| Net loans and leases to total assets | 65.8400% | 2,256 |
| Net loans and leases to deposits | 91.6385% | 1,086 |
| Net loans and leases to core deposits | 138.0108% | 242 |
| Total domestic deposits to total assets | 71.8400% | 4,260 |
| Equity capital to assets | 25.3510% | 193 |
| Core capital (leverage) ratio | 22.6330% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $869,238,000 | 1,115 |
| Average earning assets | $792,107,000 | 1,114 |
| Average equity | $220,365,000 | 493 |
| Average total loans | $595,561,000 | 1,093 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1570% | 367 |
| Cost of funding earning assets | 1.5658% | 1,134 |
| Net interest margin | 4.5912% | 538 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.0013% | 3,597 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 1.6480% | 877 |
| Return on assets (ROA) | 1.6480% | 879 |
| Pretax return on assets | 2.3365% | 441 |
| Return on Equity (ROE) | 6.5000% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.5004% | 2,449 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.6339% | 4,134 |
| Assets per employee ($millions) | 10.1987% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 1,114 |
| Loan loss allowance to noncurrent loans | 808.8235% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 2,680 |
| Noncurrent loans to loans | 0.1881% | 2,530 |
| Net loans and leases to total assets | 64.7200% | 2,308 |
| Net loans and leases to deposits | 88.4373% | 1,307 |
| Net loans and leases to core deposits | 127.6875% | 361 |
| Total domestic deposits to total assets | 73.1800% | 4,244 |
| Equity capital to assets | 24.4889% | 199 |
| Core capital (leverage) ratio | 22.9500% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $863,251,667 | 1,112 |
| Average earning assets | $786,198,667 | 1,116 |
| Average equity | $218,849,000 | 490 |
| Average total loans | $596,360,333 | 1,083 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1167% | 268 |
| Cost of funding earning assets | 1.3602% | 1,115 |
| Net interest margin | 4.7565% | 404 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.1088% | 3,361 |
| Loan and lease loss provision to assets | -0.1000% | 4,576 |
| Net operating income to assets | 1.7122% | 803 |
| Return on assets (ROA) | 1.7122% | 799 |
| Pretax return on assets | 2.4275% | 394 |
| Return on Equity (ROE) | 6.6300% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.6319% | 2,611 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.4834% | 4,120 |
| Assets per employee ($millions) | 9.1583% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 1,120 |
| Loan loss allowance to noncurrent loans | 14,404.7619% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,801 |
| Noncurrent loans to loans | 0.0108% | 3,746 |
| Net loans and leases to total assets | 68.4600% | 1,788 |
| Net loans and leases to deposits | 95.3600% | 693 |
| Net loans and leases to core deposits | 146.1593% | 142 |
| Total domestic deposits to total assets | 71.7900% | 4,365 |
| Equity capital to assets | 26.0423% | 143 |
| Core capital (leverage) ratio | 23.2076% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $841,036,500 | 1,149 |
| Average earning assets | $763,420,500 | 1,168 |
| Average equity | $217,133,000 | 501 |
| Average total loans | $596,267,500 | 1,098 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 1,224 |
| Cost of funding earning assets | 0.3712% | 2,320 |
| Net interest margin | 3.8376% | 1,087 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.7691% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2649% | 1,548 |
| Return on assets (ROA) | 1.2649% | 1,497 |
| Pretax return on assets | 1.8487% | 651 |
| Return on Equity (ROE) | 5.4800% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.4841% | 2,836 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.8988% | 4,192 |
| Assets per employee ($millions) | 8.6548% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 948 |
| Loan loss allowance to noncurrent loans | 5,503.9326% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,632 |
| Noncurrent loans to loans | 0.0293% | 3,582 |
| Net loans and leases to total assets | 71.0900% | 1,517 |
| Net loans and leases to deposits | 98.1070% | 516 |
| Net loans and leases to core deposits | 142.0214% | 132 |
| Total domestic deposits to total assets | 72.4700% | 4,414 |
| Equity capital to assets | 25.5915% | 142 |
| Core capital (leverage) ratio | 22.3953% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $916,195,200 | 1,059 |
| Average earning assets | $843,253,600 | 1,063 |
| Average equity | $211,318,200 | 502 |
| Average total loans | $604,255,600 | 1,029 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7515% | 1,885 |
| Cost of funding earning assets | 0.2566% | 2,640 |
| Net interest margin | 3.4949% | 1,677 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 1.6722% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1047% | 2,066 |
| Return on assets (ROA) | 1.1047% | 2,037 |
| Pretax return on assets | 1.5858% | 1,153 |
| Return on Equity (ROE) | 4.9100% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.9103% | 3,135 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.3257% | 4,059 |
| Assets per employee ($millions) | 9.4427% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 1,058 |
| Loan loss allowance to noncurrent loans | 15,307.8125% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 3,925 |
| Noncurrent loans to loans | 0.0105% | 3,867 |
| Net loans and leases to total assets | 69.2200% | 1,547 |
| Net loans and leases to deposits | 92.9804% | 703 |
| Net loans and leases to core deposits | 120.8834% | 245 |
| Total domestic deposits to total assets | 74.4400% | 4,442 |
| Equity capital to assets | 24.2005% | 147 |
| Core capital (leverage) ratio | 21.4367% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $935,366,000 | 1,048 |
| Average earning assets | $864,090,000 | 1,049 |
| Average equity | $210,436,750 | 506 |
| Average total loans | $603,660,750 | 1,036 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3729% | 2,508 |
| Cost of funding earning assets | 0.2367% | 2,429 |
| Net interest margin | 3.1361% | 2,416 |
| Noninterest income to average assets | 0.0528% | 4,624 |
| Noninterest expense to average assets | 1.6285% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9386% | 2,408 |
| Return on assets (ROA) | 0.9386% | 2,383 |
| Pretax return on assets | 1.3323% | 1,635 |
| Return on Equity (ROE) | 4.2698% | 3,971 |
| Retained earnings to average equity (ytd only) | 4.2698% | 2,985 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0014% | 3,870 |
| Assets per employee ($millions) | 10.9306% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 1,139 |
| Loan loss allowance to noncurrent loans | 14,407.3529% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,967 |
| Noncurrent loans to loans | 0.0111% | 3,900 |
| Net loans and leases to total assets | 64.6485% | 1,838 |
| Net loans and leases to deposits | 84.8788% | 1,061 |
| Net loans and leases to core deposits | 112.2316% | 315 |
| Total domestic deposits to total assets | 76.1656% | 4,449 |
| Equity capital to assets | 22.6348% | 121 |
| Core capital (leverage) ratio | 20.0572% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $957,577,667 | 1,025 |
| Average earning assets | $887,908,333 | 1,024 |
| Average equity | $210,503,333 | 510 |
| Average total loans | $601,179,000 | 1,026 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1994% | 2,690 |
| Cost of funding earning assets | 0.2553% | 2,098 |
| Net interest margin | 2.9441% | 2,695 |
| Noninterest income to average assets | 0.0391% | 4,685 |
| Noninterest expense to average assets | 1.5678% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8524% | 2,479 |
| Return on assets (ROA) | 0.8524% | 2,468 |
| Pretax return on assets | 1.2097% | 1,774 |
| Return on Equity (ROE) | 3.9334% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.9334% | 2,953 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4464% | 3,835 |
| Assets per employee ($millions) | 11.1558% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,226 |
| Loan loss allowance to noncurrent loans | 13,606.9444% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,004 |
| Noncurrent loans to loans | 0.0119% | 3,932 |
| Net loans and leases to total assets | 62.8966% | 1,753 |
| Net loans and leases to deposits | 81.7848% | 1,025 |
| Net loans and leases to core deposits | 113.1668% | 203 |
| Total domestic deposits to total assets | 76.9050% | 4,465 |
| Equity capital to assets | 22.1411% | 117 |
| Core capital (leverage) ratio | 18.9580% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $971,816,500 | 1,007 |
| Average earning assets | $903,923,500 | 1,011 |
| Average equity | $210,605,000 | 519 |
| Average total loans | $596,545,500 | 1,025 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 2,354 |
| Cost of funding earning assets | 0.4184% | 1,405 |
| Net interest margin | 3.1935% | 2,613 |
| Noninterest income to average assets | 0.1911% | 4,208 |
| Noninterest expense to average assets | 1.4984% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1820% | 1,981 |
| Return on assets (ROA) | 1.2116% | 1,934 |
| Pretax return on assets | 1.7142% | 1,114 |
| Return on Equity (ROE) | 5.9808% | 3,781 |
| Retained earnings to average equity (ytd only) | 5.9808% | 2,370 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1931% | 4,449 |
| Assets per employee ($millions) | 11.8499% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 1,118 |
| Loan loss allowance to noncurrent loans | 12,890.7895% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,083 |
| Noncurrent loans to loans | 0.0129% | 3,998 |
| Net loans and leases to total assets | 57.9757% | 2,379 |
| Net loans and leases to deposits | 74.4258% | 1,692 |
| Net loans and leases to core deposits | 105.5977% | 380 |
| Total domestic deposits to total assets | 77.8974% | 4,403 |
| Equity capital to assets | 21.2237% | 147 |
| Core capital (leverage) ratio | 17.7046% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,015,486,400 | 949 |
| Average earning assets | $948,820,600 | 947 |
| Average equity | $205,725,800 | 523 |
| Average total loans | $661,988,400 | 922 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 2,347 |
| Cost of funding earning assets | 0.4456% | 1,384 |
| Net interest margin | 3.2276% | 2,641 |
| Noninterest income to average assets | 0.2158% | 4,106 |
| Noninterest expense to average assets | 1.4844% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2285% | 2,069 |
| Return on assets (ROA) | 1.2678% | 1,982 |
| Pretax return on assets | 1.7977% | 1,166 |
| Return on Equity (ROE) | 6.3317% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.3317% | 2,683 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9238% | 4,507 |
| Assets per employee ($millions) | 11.1567% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 1,512 |
| Loan loss allowance to noncurrent loans | 161.6133% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 1,297 |
| Noncurrent loans to loans | 0.9489% | 1,213 |
| Net loans and leases to total assets | 61.2830% | 2,106 |
| Net loans and leases to deposits | 80.7684% | 1,212 |
| Net loans and leases to core deposits | 114.2063% | 250 |
| Total domestic deposits to total assets | 75.8750% | 4,548 |
| Equity capital to assets | 20.3648% | 179 |
| Core capital (leverage) ratio | 17.5245% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,020,510,750 | 959 |
| Average earning assets | $953,804,750 | 954 |
| Average equity | $204,342,750 | 531 |
| Average total loans | $680,765,250 | 919 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 2,201 |
| Cost of funding earning assets | 0.4776% | 1,345 |
| Net interest margin | 3.2727% | 2,545 |
| Noninterest income to average assets | 0.1119% | 4,643 |
| Noninterest expense to average assets | 1.4639% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1995% | 2,190 |
| Return on assets (ROA) | 1.2400% | 2,119 |
| Pretax return on assets | 1.7576% | 1,334 |
| Return on Equity (ROE) | 6.2284% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.2284% | 2,717 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1753% | 4,505 |
| Assets per employee ($millions) | 11.1919% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 1,731 |
| Loan loss allowance to noncurrent loans | 158.2458% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 1,391 |
| Noncurrent loans to loans | 0.9214% | 1,337 |
| Net loans and leases to total assets | 64.3059% | 1,912 |
| Net loans and leases to deposits | 84.2672% | 1,044 |
| Net loans and leases to core deposits | 116.3385% | 259 |
| Total domestic deposits to total assets | 76.3119% | 4,544 |
| Equity capital to assets | 19.9912% | 188 |
| Core capital (leverage) ratio | 16.8719% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,018,541,667 | 953 |
| Average earning assets | $951,809,000 | 943 |
| Average equity | $202,781,000 | 529 |
| Average total loans | $694,748,000 | 903 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 2,073 |
| Cost of funding earning assets | 0.5143% | 1,308 |
| Net interest margin | 3.2964% | 2,404 |
| Noninterest income to average assets | 0.0782% | 4,769 |
| Noninterest expense to average assets | 1.4085% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2352% | 2,024 |
| Return on assets (ROA) | 1.2352% | 2,111 |
| Pretax return on assets | 1.7497% | 1,395 |
| Return on Equity (ROE) | 6.2171% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.2171% | 2,823 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5986% | 4,547 |
| Assets per employee ($millions) | 11.5221% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,036 |
| Loan loss allowance to noncurrent loans | 11,391.8605% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,325 |
| Noncurrent loans to loans | 0.0121% | 4,249 |
| Net loans and leases to total assets | 68.1050% | 1,521 |
| Net loans and leases to deposits | 89.5281% | 725 |
| Net loans and leases to core deposits | 125.1234% | 194 |
| Total domestic deposits to total assets | 76.0712% | 4,581 |
| Equity capital to assets | 19.7418% | 195 |
| Core capital (leverage) ratio | 16.7129% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,012,983,000 | 945 |
| Average earning assets | $946,480,500 | 940 |
| Average equity | $201,251,000 | 527 |
| Average total loans | $706,158,000 | 893 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 2,130 |
| Cost of funding earning assets | 0.8385% | 1,065 |
| Net interest margin | 3.3628% | 2,891 |
| Noninterest income to average assets | 0.1229% | 4,660 |
| Noninterest expense to average assets | 1.5619% | 4,733 |
| Loan and lease loss provision to assets | 0.4265% | 685 |
| Net operating income to assets | 0.8777% | 2,796 |
| Return on assets (ROA) | 0.9945% | 2,452 |
| Pretax return on assets | 1.4060% | 1,637 |
| Return on Equity (ROE) | 4.8730% | 3,940 |
| Retained earnings to average equity (ytd only) | 4.8730% | 2,332 |
| Net charge-offs to loans | 0.5566% | 272 |
| Credit loss provision to net charge-offs | 107.2837% | 2,749 |
| Earnings coverage of net charge-offs (x) | 4.2377% | 3,009 |
| Efficiency ratio | 48.0504% | 4,630 |
| Assets per employee ($millions) | 10.9945% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 2,005 |
| Loan loss allowance to noncurrent loans | 9,895.9596% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 4,386 |
| Noncurrent loans to loans | 0.0141% | 4,315 |
| Net loans and leases to total assets | 69.3981% | 1,631 |
| Net loans and leases to deposits | 91.7222% | 798 |
| Net loans and leases to core deposits | 128.1147% | 216 |
| Total domestic deposits to total assets | 75.6612% | 4,529 |
| Equity capital to assets | 19.9957% | 202 |
| Core capital (leverage) ratio | 16.9902% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $956,598,600 | 913 |
| Average earning assets | $888,583,800 | 912 |
| Average equity | $195,219,800 | 514 |
| Average total loans | $683,276,600 | 885 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 2,295 |
| Cost of funding earning assets | 0.9200% | 999 |
| Net interest margin | 3.3144% | 3,141 |
| Noninterest income to average assets | 0.1279% | 4,651 |
| Noninterest expense to average assets | 1.5226% | 4,785 |
| Loan and lease loss provision to assets | 0.5513% | 491 |
| Net operating income to assets | 0.7837% | 3,158 |
| Return on assets (ROA) | 0.9287% | 2,732 |
| Pretax return on assets | 1.3128% | 1,998 |
| Return on Equity (ROE) | 4.5268% | 4,021 |
| Retained earnings to average equity (ytd only) | 4.5268% | 2,786 |
| Net charge-offs to loans | 0.7987% | 171 |
| Credit loss provision to net charge-offs | 96.2580% | 2,660 |
| Earnings coverage of net charge-offs (x) | 2.9343% | 2,949 |
| Efficiency ratio | 47.4558% | 4,642 |
| Assets per employee ($millions) | 10.1431% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 1,923 |
| Loan loss allowance to noncurrent loans | 52.3060% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 413 |
| Noncurrent loans to loans | 2.5940% | 397 |
| Net loans and leases to total assets | 69.2219% | 2,071 |
| Net loans and leases to deposits | 92.2670% | 1,050 |
| Net loans and leases to core deposits | 126.7942% | 290 |
| Total domestic deposits to total assets | 75.0235% | 4,500 |
| Equity capital to assets | 20.0507% | 209 |
| Core capital (leverage) ratio | 16.9561% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $945,623,250 | 917 |
| Average earning assets | $877,406,500 | 911 |
| Average equity | $194,010,500 | 512 |
| Average total loans | $678,064,500 | 886 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 2,042 |
| Cost of funding earning assets | 1.0413% | 865 |
| Net interest margin | 3.4173% | 3,044 |
| Noninterest income to average assets | 0.1003% | 4,781 |
| Noninterest expense to average assets | 1.5046% | 4,842 |
| Loan and lease loss provision to assets | 0.8383% | 282 |
| Net operating income to assets | 0.6447% | 3,596 |
| Return on assets (ROA) | 0.7482% | 3,331 |
| Pretax return on assets | 1.0561% | 2,854 |
| Return on Equity (ROE) | 3.6180% | 4,217 |
| Retained earnings to average equity (ytd only) | 3.6180% | 3,114 |
| Net charge-offs to loans | 1.2054% | 112 |
| Credit loss provision to net charge-offs | 96.2580% | 2,433 |
| Earnings coverage of net charge-offs (x) | 2.0249% | 2,811 |
| Efficiency ratio | 45.9227% | 4,726 |
| Assets per employee ($millions) | 9.3762% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 1,565 |
| Loan loss allowance to noncurrent loans | 84.8781% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2011% | 914 |
| Noncurrent loans to loans | 1.6548% | 884 |
| Net loans and leases to total assets | 71.5641% | 1,790 |
| Net loans and leases to deposits | 97.1618% | 716 |
| Net loans and leases to core deposits | 145.8325% | 127 |
| Total domestic deposits to total assets | 73.6546% | 4,614 |
| Equity capital to assets | 21.1937% | 171 |
| Core capital (leverage) ratio | 17.4757% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $932,871,333 | 908 |
| Average earning assets | $864,718,667 | 904 |
| Average equity | $192,922,333 | 513 |
| Average total loans | $673,943,333 | 877 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 1,337 |
| Cost of funding earning assets | 1.2206% | 718 |
| Net interest margin | 3.6160% | 2,614 |
| Noninterest income to average assets | 0.0949% | 4,845 |
| Noninterest expense to average assets | 1.6998% | 4,781 |
| Loan and lease loss provision to assets | 0.1745% | 1,692 |
| Net operating income to assets | 1.1108% | 1,809 |
| Return on assets (ROA) | 1.1108% | 1,902 |
| Pretax return on assets | 1.5730% | 1,129 |
| Return on Equity (ROE) | 5.4372% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.4372% | 2,096 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0864% | 4,708 |
| Assets per employee ($millions) | 9.2529% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,425 |
| Loan loss allowance to noncurrent loans | 65.7355% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 630 |
| Noncurrent loans to loans | 2.2468% | 578 |
| Net loans and leases to total assets | 70.8810% | 2,105 |
| Net loans and leases to deposits | 94.5020% | 1,035 |
| Net loans and leases to core deposits | 140.0679% | 168 |
| Total domestic deposits to total assets | 75.0047% | 4,589 |
| Equity capital to assets | 20.7546% | 215 |
| Core capital (leverage) ratio | 17.1429% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $939,871,500 | 878 |
| Average earning assets | $871,355,000 | 875 |
| Average equity | $192,012,000 | 515 |
| Average total loans | $677,440,000 | 854 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3820% | 693 |
| Cost of funding earning assets | 1.3669% | 620 |
| Net interest margin | 4.0151% | 1,809 |
| Noninterest income to average assets | 0.1365% | 4,793 |
| Noninterest expense to average assets | 1.6885% | 4,884 |
| Loan and lease loss provision to assets | 0.0401% | 3,211 |
| Net operating income to assets | 1.4874% | 1,086 |
| Return on assets (ROA) | 1.4874% | 1,145 |
| Pretax return on assets | 2.1148% | 463 |
| Return on Equity (ROE) | 7.4922% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.4922% | 1,174 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7253% | 4,989 |
| Assets per employee ($millions) | 9.4520% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 1,538 |
| Loan loss allowance to noncurrent loans | 50.6195% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.9897% | 395 |
| Noncurrent loans to loans | 2.7555% | 376 |
| Net loans and leases to total assets | 71.2036% | 2,221 |
| Net loans and leases to deposits | 90.6329% | 1,523 |
| Net loans and leases to core deposits | 132.1522% | 252 |
| Total domestic deposits to total assets | 78.5627% | 4,265 |
| Equity capital to assets | 20.1083% | 253 |
| Core capital (leverage) ratio | 17.0437% | 408 |
| Tier 1 risk-based capital ratio | 18.4462% | 1,647 |
| Total risk-based capital ratio | 19.6139% | 1,643 |
| Memoranda: | ||
| Average total assets | $921,780,000 | 852 |
| Average earning assets | $851,033,200 | 850 |
| Average equity | $183,004,400 | 510 |
| Average total loans | $653,140,600 | 848 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5402% | 551 |
| Cost of funding earning assets | 1.3554% | 667 |
| Net interest margin | 4.1848% | 1,407 |
| Noninterest income to average assets | 0.1603% | 4,742 |
| Noninterest expense to average assets | 1.7270% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6141% | 900 |
| Return on assets (ROA) | 1.6141% | 937 |
| Pretax return on assets | 2.2940% | 373 |
| Return on Equity (ROE) | 8.1570% | 3,238 |
| Retained earnings to average equity (ytd only) | 8.1570% | 1,329 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7506% | 5,054 |
| Assets per employee ($millions) | 9.1512% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,614 |
| Loan loss allowance to noncurrent loans | 300.2954% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 3,241 |
| Noncurrent loans to loans | 0.4632% | 2,914 |
| Net loans and leases to total assets | 69.4961% | 2,551 |
| Net loans and leases to deposits | 88.2673% | 1,898 |
| Net loans and leases to core deposits | 127.6662% | 337 |
| Total domestic deposits to total assets | 78.7337% | 4,228 |
| Equity capital to assets | 20.0688% | 255 |
| Core capital (leverage) ratio | 17.1201% | 422 |
| Tier 1 risk-based capital ratio | 18.6507% | 1,651 |
| Total risk-based capital ratio | 19.8246% | 1,637 |
| Memoranda: | ||
| Average total assets | $915,924,500 | 860 |
| Average earning assets | $845,004,000 | 858 |
| Average equity | $181,239,500 | 514 |
| Average total loans | $645,791,250 | 859 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5718% | 496 |
| Cost of funding earning assets | 1.3276% | 686 |
| Net interest margin | 4.2442% | 1,253 |
| Noninterest income to average assets | 0.1595% | 4,788 |
| Noninterest expense to average assets | 1.7295% | 4,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6475% | 814 |
| Return on assets (ROA) | 1.6475% | 848 |
| Pretax return on assets | 2.3433% | 323 |
| Return on Equity (ROE) | 8.3667% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.3667% | 1,253 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2651% | 5,108 |
| Assets per employee ($millions) | 9.1508% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 1,769 |
| Loan loss allowance to noncurrent loans | 286.3850% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 3,166 |
| Noncurrent loans to loans | 0.4754% | 2,851 |
| Net loans and leases to total assets | 71.0266% | 2,376 |
| Net loans and leases to deposits | 96.1145% | 1,020 |
| Net loans and leases to core deposits | 141.2843% | 184 |
| Total domestic deposits to total assets | 73.8979% | 4,840 |
| Equity capital to assets | 19.6759% | 254 |
| Core capital (leverage) ratio | 17.4262% | 391 |
| Tier 1 risk-based capital ratio | 17.7208% | 1,874 |
| Total risk-based capital ratio | 18.8694% | 1,856 |
| Memoranda: | ||
| Average total assets | $910,090,670 | 861 |
| Average earning assets | $839,120,330 | 857 |
| Average equity | $179,210,330 | 518 |
| Average total loans | $641,773,330 | 867 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5221% | 506 |
| Cost of funding earning assets | 1.2889% | 678 |
| Net interest margin | 4.2331% | 1,234 |
| Noninterest income to average assets | 0.1540% | 4,820 |
| Noninterest expense to average assets | 1.7443% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6281% | 842 |
| Return on assets (ROA) | 1.6281% | 874 |
| Pretax return on assets | 2.3093% | 355 |
| Return on Equity (ROE) | 8.2649% | 3,133 |
| Retained earnings to average equity (ytd only) | 8.2649% | 1,566 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8336% | 5,138 |
| Assets per employee ($millions) | 9.0957% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 1,730 |
| Loan loss allowance to noncurrent loans | 2,764.3505% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 4,658 |
| Noncurrent loans to loans | 0.0501% | 4,542 |
| Net loans and leases to total assets | 71.5845% | 2,235 |
| Net loans and leases to deposits | 93.0338% | 1,278 |
| Net loans and leases to core deposits | 130.7245% | 301 |
| Total domestic deposits to total assets | 76.9446% | 4,658 |
| Equity capital to assets | 19.6946% | 252 |
| Core capital (leverage) ratio | 16.5475% | 473 |
| Tier 1 risk-based capital ratio | 17.8321% | 1,839 |
| Total risk-based capital ratio | 19.0370% | 1,815 |
| Memoranda: | ||
| Average total assets | $898,444,000 | 873 |
| Average earning assets | $827,661,000 | 871 |
| Average equity | $176,989,500 | 518 |
| Average total loans | $626,609,500 | 884 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 818 |
| Cost of funding earning assets | 1.0006% | 744 |
| Net interest margin | 4.1147% | 1,636 |
| Noninterest income to average assets | 0.1663% | 4,891 |
| Noninterest expense to average assets | 1.8816% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4591% | 1,243 |
| Return on assets (ROA) | 1.4591% | 1,235 |
| Pretax return on assets | 2.0695% | 476 |
| Return on Equity (ROE) | 7.4405% | 3,678 |
| Retained earnings to average equity (ytd only) | 7.4405% | 1,487 |
| Net charge-offs to loans | -0.0409% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4066% | 5,067 |
| Assets per employee ($millions) | 8.4506% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,168 |
| Loan loss allowance to noncurrent loans | 4,552.2388% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,763 |
| Noncurrent loans to loans | 0.0339% | 4,620 |
| Net loans and leases to total assets | 65.7946% | 3,160 |
| Net loans and leases to deposits | 83.2115% | 2,603 |
| Net loans and leases to core deposits | 115.2951% | 718 |
| Total domestic deposits to total assets | 79.0692% | 4,299 |
| Equity capital to assets | 19.7046% | 241 |
| Core capital (leverage) ratio | 16.5732% | 451 |
| Tier 1 risk-based capital ratio | 21.2696% | 1,128 |
| Total risk-based capital ratio | 22.5229% | 1,109 |
| Memoranda: | ||
| Average total assets | $857,350,800 | 885 |
| Average earning assets | $788,609,000 | 893 |
| Average equity | $168,134,600 | 523 |
| Average total loans | $589,658,600 | 911 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 1,035 |
| Cost of funding earning assets | 0.9348% | 790 |
| Net interest margin | 4.0190% | 1,899 |
| Noninterest income to average assets | 0.1646% | 4,963 |
| Noninterest expense to average assets | 1.8608% | 4,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4102% | 1,453 |
| Return on assets (ROA) | 1.4102% | 1,447 |
| Pretax return on assets | 2.0001% | 621 |
| Return on Equity (ROE) | 7.2000% | 3,860 |
| Retained earnings to average equity (ytd only) | 7.2000% | 2,025 |
| Net charge-offs to loans | -0.0546% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9724% | 5,052 |
| Assets per employee ($millions) | 8.4973% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 1,308 |
| Loan loss allowance to noncurrent loans | 1,429.6875% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 4,609 |
| Noncurrent loans to loans | 0.1058% | 4,410 |
| Net loans and leases to total assets | 68.0836% | 2,924 |
| Net loans and leases to deposits | 86.8328% | 2,278 |
| Net loans and leases to core deposits | 121.2043% | 540 |
| Total domestic deposits to total assets | 78.4077% | 4,418 |
| Equity capital to assets | 19.5015% | 252 |
| Core capital (leverage) ratio | 16.3044% | 478 |
| Tier 1 risk-based capital ratio | 22.2659% | 1,017 |
| Total risk-based capital ratio | 23.5200% | 996 |
| Memoranda: | ||
| Average total assets | $849,860,000 | 894 |
| Average earning assets | $781,627,000 | 895 |
| Average equity | $166,457,750 | 521 |
| Average total loans | $588,834,500 | 911 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 1,189 |
| Cost of funding earning assets | 0.8546% | 896 |
| Net interest margin | 3.9707% | 1,958 |
| Noninterest income to average assets | 0.2028% | 4,803 |
| Noninterest expense to average assets | 1.8669% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3993% | 1,443 |
| Return on assets (ROA) | 1.3993% | 1,445 |
| Pretax return on assets | 1.9850% | 622 |
| Return on Equity (ROE) | 7.1336% | 3,856 |
| Retained earnings to average equity (ytd only) | 7.1336% | 2,012 |
| Net charge-offs to loans | -0.0826% | 5,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2382% | 5,110 |
| Assets per employee ($millions) | 8.6556% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 1,082 |
| Loan loss allowance to noncurrent loans | 1,390.5775% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 4,620 |
| Noncurrent loans to loans | 0.1158% | 4,390 |
| Net loans and leases to total assets | 65.8924% | 3,171 |
| Net loans and leases to deposits | 84.3536% | 2,496 |
| Net loans and leases to core deposits | 116.7763% | 678 |
| Total domestic deposits to total assets | 78.1145% | 4,570 |
| Equity capital to assets | 19.7698% | 237 |
| Core capital (leverage) ratio | 17.0750% | 386 |
| Tier 1 risk-based capital ratio | 22.6184% | 973 |
| Total risk-based capital ratio | 23.8733% | 954 |
| Memoranda: | ||
| Average total assets | $841,405,330 | 903 |
| Average earning assets | $773,256,000 | 910 |
| Average equity | $165,049,670 | 521 |
| Average total loans | $583,434,670 | 919 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 1,360 |
| Cost of funding earning assets | 0.7778% | 1,063 |
| Net interest margin | 3.8993% | 2,047 |
| Noninterest income to average assets | 0.1489% | 5,122 |
| Noninterest expense to average assets | 1.8821% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3060% | 1,624 |
| Return on assets (ROA) | 1.3060% | 1,629 |
| Pretax return on assets | 1.8516% | 818 |
| Return on Equity (ROE) | 6.6843% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.6843% | 2,420 |
| Net charge-offs to loans | -0.1292% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1790% | 5,073 |
| Assets per employee ($millions) | 8.3202% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 1,333 |
| Loan loss allowance to noncurrent loans | 1,348.1481% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 4,680 |
| Noncurrent loans to loans | 0.1139% | 4,457 |
| Net loans and leases to total assets | 70.1619% | 2,458 |
| Net loans and leases to deposits | 95.7408% | 1,062 |
| Net loans and leases to core deposits | 129.8413% | 346 |
| Total domestic deposits to total assets | 73.2832% | 5,207 |
| Equity capital to assets | 19.8006% | 222 |
| Core capital (leverage) ratio | 16.9675% | 383 |
| Tier 1 risk-based capital ratio | 21.0258% | 1,204 |
| Total risk-based capital ratio | 22.2797% | 1,178 |
| Memoranda: | ||
| Average total assets | $837,984,000 | 914 |
| Average earning assets | $770,392,500 | 919 |
| Average equity | $163,726,000 | 528 |
| Average total loans | $591,111,500 | 906 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 1,698 |
| Cost of funding earning assets | 0.7496% | 820 |
| Net interest margin | 3.7537% | 2,584 |
| Noninterest income to average assets | 0.3936% | 3,679 |
| Noninterest expense to average assets | 1.8713% | 5,159 |
| Loan and lease loss provision to assets | 0.0327% | 3,610 |
| Net operating income to assets | 0.9252% | 2,573 |
| Return on assets (ROA) | 0.8934% | 2,775 |
| Pretax return on assets | 1.8705% | 648 |
| Return on Equity (ROE) | 4.7929% | 4,249 |
| Retained earnings to average equity (ytd only) | 4.7929% | 2,266 |
| Net charge-offs to loans | 0.0415% | 2,952 |
| Credit loss provision to net charge-offs | 116.1826% | 2,251 |
| Earnings coverage of net charge-offs (x) | 69.3154% | 862 |
| Efficiency ratio | 48.6947% | 5,277 |
| Assets per employee ($millions) | 8.3559% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,370 |
| Loan loss allowance to noncurrent loans | 1,907.7088% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 4,858 |
| Noncurrent loans to loans | 0.0792% | 4,643 |
| Net loans and leases to total assets | 68.7783% | 2,706 |
| Net loans and leases to deposits | 95.3917% | 1,136 |
| Net loans and leases to core deposits | 129.4656% | 352 |
| Total domestic deposits to total assets | 72.1009% | 5,316 |
| Equity capital to assets | 19.2792% | 236 |
| Core capital (leverage) ratio | 16.5907% | 406 |
| Tier 1 risk-based capital ratio | 20.9109% | 1,159 |
| Total risk-based capital ratio | 22.1646% | 1,138 |
| Memoranda: | ||
| Average total assets | $855,389,400 | 869 |
| Average earning assets | $781,766,800 | 884 |
| Average equity | $159,444,800 | 520 |
| Average total loans | $580,594,000 | 884 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 1,764 |
| Cost of funding earning assets | 0.7526% | 748 |
| Net interest margin | 3.7052% | 2,739 |
| Noninterest income to average assets | 0.4796% | 3,153 |
| Noninterest expense to average assets | 1.9161% | 5,113 |
| Loan and lease loss provision to assets | 0.0435% | 3,234 |
| Net operating income to assets | 1.1409% | 1,912 |
| Return on assets (ROA) | 1.1438% | 1,951 |
| Pretax return on assets | 1.9049% | 680 |
| Return on Equity (ROE) | 6.1887% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.1887% | 2,113 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4003% | 5,274 |
| Assets per employee ($millions) | 8.5552% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,314 |
| Loan loss allowance to noncurrent loans | 827.3056% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,580 |
| Noncurrent loans to loans | 0.1894% | 4,316 |
| Net loans and leases to total assets | 69.2556% | 2,665 |
| Net loans and leases to deposits | 91.9302% | 1,578 |
| Net loans and leases to core deposits | 122.3101% | 507 |
| Total domestic deposits to total assets | 75.3351% | 5,095 |
| Equity capital to assets | 19.5998% | 244 |
| Core capital (leverage) ratio | 15.8341% | 516 |
| Tier 1 risk-based capital ratio | 20.5205% | 1,275 |
| Total risk-based capital ratio | 21.7745% | 1,245 |
| Memoranda: | ||
| Average total assets | $858,250,750 | 875 |
| Average earning assets | $782,998,000 | 884 |
| Average equity | $158,629,500 | 524 |
| Average total loans | $578,402,750 | 889 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,125 |
| Cost of funding earning assets | 0.7432% | 709 |
| Net interest margin | 3.5570% | 3,194 |
| Noninterest income to average assets | 0.5785% | 2,566 |
| Noninterest expense to average assets | 1.9430% | 5,099 |
| Loan and lease loss provision to assets | 0.0645% | 2,679 |
| Net operating income to assets | 1.0982% | 1,983 |
| Return on assets (ROA) | 1.1027% | 2,008 |
| Pretax return on assets | 1.8190% | 802 |
| Return on Equity (ROE) | 6.0830% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.0830% | 2,067 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6155% | 5,269 |
| Assets per employee ($millions) | 9.1857% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,356 |
| Loan loss allowance to noncurrent loans | 1,863.5438% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 2,639 |
| Noncurrent loans to loans | 0.0838% | 4,796 |
| Net loans and leases to total assets | 66.0963% | 3,089 |
| Net loans and leases to deposits | 85.9971% | 2,224 |
| Net loans and leases to core deposits | 115.9457% | 719 |
| Total domestic deposits to total assets | 76.8588% | 4,980 |
| Equity capital to assets | 18.3352% | 300 |
| Core capital (leverage) ratio | 14.9694% | 635 |
| Tier 1 risk-based capital ratio | 19.8846% | 1,388 |
| Total risk-based capital ratio | 21.1383% | 1,355 |
| Memoranda: | ||
| Average total assets | $867,717,670 | 871 |
| Average earning assets | $790,670,000 | 879 |
| Average equity | $157,289,670 | 529 |
| Average total loans | $576,581,000 | 902 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 1,865 |
| Cost of funding earning assets | 0.7312% | 718 |
| Net interest margin | 3.6036% | 2,877 |
| Noninterest income to average assets | 0.4068% | 3,612 |
| Noninterest expense to average assets | 1.8959% | 5,249 |
| Loan and lease loss provision to assets | 0.1294% | 1,484 |
| Net operating income to assets | 0.9796% | 2,394 |
| Return on assets (ROA) | 0.9796% | 2,443 |
| Pretax return on assets | 1.6601% | 1,092 |
| Return on Equity (ROE) | 5.4356% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.4356% | 2,639 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1415% | 5,318 |
| Assets per employee ($millions) | 9.3259% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 1,285 |
| Loan loss allowance to noncurrent loans | 1,739.5437% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 2,714 |
| Noncurrent loans to loans | 0.0942% | 4,813 |
| Net loans and leases to total assets | 62.6858% | 3,444 |
| Net loans and leases to deposits | 81.0340% | 2,619 |
| Net loans and leases to core deposits | 106.7976% | 1,045 |
| Total domestic deposits to total assets | 77.3574% | 5,061 |
| Equity capital to assets | 17.9165% | 311 |
| Core capital (leverage) ratio | 14.7398% | 657 |
| Tier 1 risk-based capital ratio | 20.4662% | 1,303 |
| Total risk-based capital ratio | 21.7204% | 1,276 |
| Memoranda: | ||
| Average total assets | $865,253,500 | 876 |
| Average earning assets | $787,219,000 | 889 |
| Average equity | $155,934,000 | 530 |
| Average total loans | $571,903,000 | 905 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 2,136 |
| Cost of funding earning assets | 0.6891% | 860 |
| Net interest margin | 3.6115% | 3,034 |
| Noninterest income to average assets | 0.4021% | 3,871 |
| Noninterest expense to average assets | 1.8222% | 5,453 |
| Loan and lease loss provision to assets | 0.0279% | 3,802 |
| Net operating income to assets | 1.0820% | 1,974 |
| Return on assets (ROA) | 1.0843% | 2,066 |
| Pretax return on assets | 1.8511% | 689 |
| Return on Equity (ROE) | 5.9053% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.9053% | 1,760 |
| Net charge-offs to loans | -0.0081% | 4,884 |
| Credit loss provision to net charge-offs | -500.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9706% | 5,531 |
| Assets per employee ($millions) | 9.1814% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 1,612 |
| Loan loss allowance to noncurrent loans | 1,657.9439% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 2,645 |
| Noncurrent loans to loans | 0.0914% | 4,873 |
| Net loans and leases to total assets | 67.4879% | 2,854 |
| Net loans and leases to deposits | 87.7268% | 1,957 |
| Net loans and leases to core deposits | 115.6825% | 631 |
| Total domestic deposits to total assets | 76.9296% | 5,122 |
| Equity capital to assets | 18.1299% | 295 |
| Core capital (leverage) ratio | 14.8783% | 620 |
| Tier 1 risk-based capital ratio | 18.9552% | 1,610 |
| Total risk-based capital ratio | 20.2079% | 1,578 |
| Memoranda: | ||
| Average total assets | $824,898,200 | 883 |
| Average earning assets | $752,735,800 | 887 |
| Average equity | $151,456,800 | 524 |
| Average total loans | $569,022,200 | 872 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 2,274 |
| Cost of funding earning assets | 0.6809% | 899 |
| Net interest margin | 3.5850% | 3,134 |
| Noninterest income to average assets | 0.3481% | 4,297 |
| Noninterest expense to average assets | 1.7802% | 5,535 |
| Loan and lease loss provision to assets | 0.0375% | 3,493 |
| Net operating income to assets | 1.0547% | 2,179 |
| Return on assets (ROA) | 1.0547% | 2,304 |
| Pretax return on assets | 1.8102% | 882 |
| Return on Equity (ROE) | 5.7255% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.7255% | 2,344 |
| Net charge-offs to loans | -0.2100% | 5,776 |
| Credit loss provision to net charge-offs | -25.8427% | 4,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7504% | 5,567 |
| Assets per employee ($millions) | 8.9399% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 1,133 |
| Loan loss allowance to noncurrent loans | 1,802.2263% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.8096% | 2,515 |
| Noncurrent loans to loans | 0.0963% | 4,959 |
| Net loans and leases to total assets | 66.1338% | 3,103 |
| Net loans and leases to deposits | 83.8777% | 2,499 |
| Net loans and leases to core deposits | 110.5898% | 879 |
| Total domestic deposits to total assets | 78.8456% | 4,756 |
| Equity capital to assets | 18.5222% | 302 |
| Core capital (leverage) ratio | 14.6683% | 690 |
| Tier 1 risk-based capital ratio | 19.4583% | 1,559 |
| Total risk-based capital ratio | 20.7137% | 1,517 |
| Memoranda: | ||
| Average total assets | $817,654,500 | 887 |
| Average earning assets | $748,029,000 | 889 |
| Average equity | $150,619,500 | 526 |
| Average total loans | $564,995,000 | 877 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3055% | 2,138 |
| Cost of funding earning assets | 0.6615% | 983 |
| Net interest margin | 3.6441% | 2,923 |
| Noninterest income to average assets | 0.3028% | 4,627 |
| Noninterest expense to average assets | 1.7157% | 5,679 |
| Loan and lease loss provision to assets | 0.0566% | 3,010 |
| Net operating income to assets | 1.0826% | 2,024 |
| Return on assets (ROA) | 1.0826% | 2,158 |
| Pretax return on assets | 1.8709% | 743 |
| Return on Equity (ROE) | 5.8879% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.8879% | 2,190 |
| Net charge-offs to loans | 0.1570% | 1,392 |
| Credit loss provision to net charge-offs | 51.6854% | 2,649 |
| Earnings coverage of net charge-offs (x) | 17.6090% | 1,867 |
| Efficiency ratio | 46.7760% | 5,724 |
| Assets per employee ($millions) | 8.9215% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 1,955 |
| Loan loss allowance to noncurrent loans | 116.7154% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 2,432 |
| Noncurrent loans to loans | 1.2657% | 1,804 |
| Net loans and leases to total assets | 67.3529% | 2,891 |
| Net loans and leases to deposits | 86.3705% | 2,208 |
| Net loans and leases to core deposits | 111.1503% | 868 |
| Total domestic deposits to total assets | 77.9814% | 5,009 |
| Equity capital to assets | 18.3151% | 312 |
| Core capital (leverage) ratio | 14.5501% | 704 |
| Tier 1 risk-based capital ratio | 17.8930% | 1,964 |
| Total risk-based capital ratio | 19.1445% | 1,922 |
| Memoranda: | ||
| Average total assets | $813,068,000 | 892 |
| Average earning assets | $745,318,330 | 895 |
| Average equity | $149,494,000 | 528 |
| Average total loans | $566,806,670 | 873 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 1,834 |
| Cost of funding earning assets | 0.6338% | 1,129 |
| Net interest margin | 3.7557% | 2,453 |
| Noninterest income to average assets | 0.2614% | 4,860 |
| Noninterest expense to average assets | 1.7476% | 5,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1536% | 1,698 |
| Return on assets (ROA) | 1.1536% | 1,816 |
| Pretax return on assets | 1.9539% | 620 |
| Return on Equity (ROE) | 6.2619% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.2619% | 2,253 |
| Net charge-offs to loans | 0.3622% | 612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.6628% | 2,131 |
| Efficiency ratio | 46.8914% | 5,773 |
| Assets per employee ($millions) | 8.7234% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 2,075 |
| Loan loss allowance to noncurrent loans | 112.5644% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8945% | 2,448 |
| Noncurrent loans to loans | 1.3140% | 1,821 |
| Net loans and leases to total assets | 67.0715% | 2,800 |
| Net loans and leases to deposits | 85.2987% | 2,150 |
| Net loans and leases to core deposits | 109.5309% | 875 |
| Total domestic deposits to total assets | 78.6314% | 5,045 |
| Equity capital to assets | 18.6529% | 280 |
| Core capital (leverage) ratio | 14.7195% | 659 |
| Tier 1 risk-based capital ratio | 21.1763% | 1,285 |
| Total risk-based capital ratio | 22.4303% | 1,257 |
| Memoranda: | ||
| Average total assets | $804,753,000 | 902 |
| Average earning assets | $737,111,000 | 903 |
| Average equity | $148,261,000 | 531 |
| Average total loans | $566,607,500 | 869 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 1,944 |
| Cost of funding earning assets | 0.5704% | 1,593 |
| Net interest margin | 3.8170% | 2,317 |
| Noninterest income to average assets | 0.2247% | 5,254 |
| Noninterest expense to average assets | 1.7237% | 5,820 |
| Loan and lease loss provision to assets | 0.2328% | 846 |
| Net operating income to assets | 1.0128% | 2,294 |
| Return on assets (ROA) | 1.0374% | 2,268 |
| Pretax return on assets | 1.7625% | 866 |
| Return on Equity (ROE) | 5.3312% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.3312% | 2,185 |
| Net charge-offs to loans | 0.3818% | 751 |
| Credit loss provision to net charge-offs | 85.8003% | 2,836 |
| Earnings coverage of net charge-offs (x) | 7.2107% | 3,105 |
| Efficiency ratio | 46.4114% | 5,905 |
| Assets per employee ($millions) | 8.9662% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 2,159 |
| Loan loss allowance to noncurrent loans | 121.1617% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 2,469 |
| Noncurrent loans to loans | 1.2087% | 1,952 |
| Net loans and leases to total assets | 71.6591% | 2,118 |
| Net loans and leases to deposits | 99.8691% | 682 |
| Net loans and leases to core deposits | 126.0987% | 333 |
| Total domestic deposits to total assets | 71.7530% | 5,814 |
| Equity capital to assets | 18.1947% | 302 |
| Core capital (leverage) ratio | 15.3359% | 560 |
| Tier 1 risk-based capital ratio | 20.0086% | 1,481 |
| Total risk-based capital ratio | 21.2630% | 1,454 |
| Memoranda: | ||
| Average total assets | $734,422,200 | 938 |
| Average earning assets | $664,923,000 | 957 |
| Average equity | $142,914,000 | 530 |
| Average total loans | $522,009,800 | 895 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,038 |
| Cost of funding earning assets | 0.5755% | 1,579 |
| Net interest margin | 3.7871% | 2,432 |
| Noninterest income to average assets | 0.2083% | 5,400 |
| Noninterest expense to average assets | 1.7559% | 5,840 |
| Loan and lease loss provision to assets | 0.2885% | 531 |
| Net operating income to assets | 0.9320% | 2,794 |
| Return on assets (ROA) | 0.9657% | 2,728 |
| Pretax return on assets | 1.6330% | 1,287 |
| Return on Equity (ROE) | 4.8734% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.8734% | 3,007 |
| Net charge-offs to loans | 0.5262% | 452 |
| Credit loss provision to net charge-offs | 77.6553% | 2,649 |
| Earnings coverage of net charge-offs (x) | 5.0301% | 3,260 |
| Efficiency ratio | 47.9484% | 5,870 |
| Assets per employee ($millions) | 8.6602% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 2,029 |
| Loan loss allowance to noncurrent loans | 118.3298% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.9457% | 2,493 |
| Noncurrent loans to loans | 1.2944% | 1,975 |
| Net loans and leases to total assets | 71.9421% | 2,066 |
| Net loans and leases to deposits | 97.0439% | 906 |
| Net loans and leases to core deposits | 119.7076% | 478 |
| Total domestic deposits to total assets | 74.1335% | 5,698 |
| Equity capital to assets | 19.1991% | 270 |
| Core capital (leverage) ratio | 15.1852% | 604 |
| Tier 1 risk-based capital ratio | 20.6481% | 1,412 |
| Total risk-based capital ratio | 21.9031% | 1,378 |
| Memoranda: | ||
| Average total assets | $716,289,250 | 975 |
| Average earning assets | $646,172,250 | 990 |
| Average equity | $141,936,750 | 535 |
| Average total loans | $505,799,750 | 926 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 2,141 |
| Cost of funding earning assets | 0.5844% | 1,531 |
| Net interest margin | 3.7248% | 2,601 |
| Noninterest income to average assets | 0.2247% | 5,355 |
| Noninterest expense to average assets | 1.7815% | 5,878 |
| Loan and lease loss provision to assets | 0.2699% | 610 |
| Net operating income to assets | 0.9029% | 2,866 |
| Return on assets (ROA) | 0.9544% | 2,726 |
| Pretax return on assets | 1.6133% | 1,292 |
| Return on Equity (ROE) | 4.7635% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.7635% | 3,016 |
| Net charge-offs to loans | 0.8148% | 262 |
| Credit loss provision to net charge-offs | 47.5000% | 2,735 |
| Earnings coverage of net charge-offs (x) | 3.1725% | 3,230 |
| Efficiency ratio | 49.1478% | 5,894 |
| Assets per employee ($millions) | 7.9628% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 2,061 |
| Loan loss allowance to noncurrent loans | 74.3093% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4378% | 1,737 |
| Noncurrent loans to loans | 2.0965% | 1,151 |
| Net loans and leases to total assets | 67.5135% | 2,715 |
| Net loans and leases to deposits | 86.9010% | 1,950 |
| Net loans and leases to core deposits | 105.6988% | 1,084 |
| Total domestic deposits to total assets | 77.6901% | 5,337 |
| Equity capital to assets | 19.4675% | 246 |
| Core capital (leverage) ratio | 15.6649% | 519 |
| Tier 1 risk-based capital ratio | 21.5991% | 1,267 |
| Total risk-based capital ratio | 22.8541% | 1,250 |
| Memoranda: | ||
| Average total assets | $703,907,330 | 992 |
| Average earning assets | $634,873,000 | 1,007 |
| Average equity | $141,031,330 | 539 |
| Average total loans | $490,910,330 | 954 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 1,903 |
| Cost of funding earning assets | 0.5851% | 1,542 |
| Net interest margin | 3.7746% | 2,327 |
| Noninterest income to average assets | 0.1879% | 5,584 |
| Noninterest expense to average assets | 1.8562% | 5,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0196% | 2,162 |
| Return on assets (ROA) | 1.0946% | 1,997 |
| Pretax return on assets | 1.8580% | 780 |
| Return on Equity (ROE) | 5.3822% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.3822% | 2,841 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8789% | 5,862 |
| Assets per employee ($millions) | 7.8748% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8152% | 1,465 |
| Loan loss allowance to noncurrent loans | 184.6682% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 3,433 |
| Noncurrent loans to loans | 0.9830% | 2,803 |
| Net loans and leases to total assets | 68.5102% | 2,366 |
| Net loans and leases to deposits | 91.0275% | 1,291 |
| Net loans and leases to core deposits | 112.9685% | 612 |
| Total domestic deposits to total assets | 75.2632% | 5,804 |
| Equity capital to assets | 20.1691% | 218 |
| Core capital (leverage) ratio | 15.8417% | 484 |
| Tier 1 risk-based capital ratio | 21.4738% | 1,332 |
| Total risk-based capital ratio | 22.7314% | 1,304 |
| Memoranda: | ||
| Average total assets | $689,574,500 | 1,007 |
| Average earning assets | $622,788,000 | 1,026 |
| Average equity | $140,240,000 | 539 |
| Average total loans | $485,159,000 | 965 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,548 |
| Cost of funding earning assets | 0.5695% | 2,052 |
| Net interest margin | 3.7466% | 2,818 |
| Noninterest income to average assets | 0.1819% | 5,766 |
| Noninterest expense to average assets | 1.8637% | 5,983 |
| Loan and lease loss provision to assets | 0.0789% | 2,906 |
| Net operating income to assets | 0.9361% | 2,693 |
| Return on assets (ROA) | 0.9384% | 2,773 |
| Pretax return on assets | 1.6086% | 1,213 |
| Return on Equity (ROE) | 4.7786% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.7786% | 2,776 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7258% | 6,002 |
| Assets per employee ($millions) | 7.6212% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 1,437 |
| Loan loss allowance to noncurrent loans | 258.0523% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 4,110 |
| Noncurrent loans to loans | 0.7148% | 3,533 |
| Net loans and leases to total assets | 69.6464% | 2,286 |
| Net loans and leases to deposits | 94.9050% | 1,004 |
| Net loans and leases to core deposits | 116.7862% | 503 |
| Total domestic deposits to total assets | 73.3853% | 5,991 |
| Equity capital to assets | 20.5108% | 207 |
| Core capital (leverage) ratio | 15.6664% | 508 |
| Tier 1 risk-based capital ratio | 18.8345% | 1,897 |
| Total risk-based capital ratio | 20.0902% | 1,855 |
| Memoranda: | ||
| Average total assets | $659,071,200 | 1,014 |
| Average earning assets | $592,061,800 | 1,033 |
| Average equity | $129,431,000 | 560 |
| Average total loans | $454,897,400 | 969 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 2,531 |
| Cost of funding earning assets | 0.5661% | 2,136 |
| Net interest margin | 3.7564% | 2,788 |
| Noninterest income to average assets | 0.1233% | 6,147 |
| Noninterest expense to average assets | 1.8612% | 6,009 |
| Loan and lease loss provision to assets | 0.1060% | 2,268 |
| Net operating income to assets | 0.8940% | 2,940 |
| Return on assets (ROA) | 0.8940% | 3,040 |
| Pretax return on assets | 1.5259% | 1,563 |
| Return on Equity (ROE) | 4.6054% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.6054% | 3,357 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4532% | 5,959 |
| Assets per employee ($millions) | 7.7326% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9462% | 1,362 |
| Loan loss allowance to noncurrent loans | 254.7202% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 4,326 |
| Noncurrent loans to loans | 0.7640% | 3,685 |
| Net loans and leases to total assets | 66.4826% | 2,776 |
| Net loans and leases to deposits | 92.3927% | 1,195 |
| Net loans and leases to core deposits | 114.4813% | 571 |
| Total domestic deposits to total assets | 71.9566% | 6,173 |
| Equity capital to assets | 20.3499% | 214 |
| Core capital (leverage) ratio | 15.5645% | 532 |
| Tier 1 risk-based capital ratio | 19.3962% | 1,800 |
| Total risk-based capital ratio | 20.6529% | 1,771 |
| Memoranda: | ||
| Average total assets | $654,266,250 | 1,030 |
| Average earning assets | $586,935,750 | 1,049 |
| Average equity | $127,008,000 | 566 |
| Average total loans | $448,301,250 | 987 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 2,222 |
| Cost of funding earning assets | 0.5611% | 2,249 |
| Net interest margin | 3.8258% | 2,460 |
| Noninterest income to average assets | 0.1188% | 6,204 |
| Noninterest expense to average assets | 1.8898% | 6,014 |
| Loan and lease loss provision to assets | 0.1605% | 1,546 |
| Net operating income to assets | 0.8758% | 2,928 |
| Return on assets (ROA) | 0.8758% | 3,017 |
| Pretax return on assets | 1.4964% | 1,544 |
| Return on Equity (ROE) | 4.5881% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.5881% | 3,243 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4667% | 6,033 |
| Assets per employee ($millions) | 7.6356% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0179% | 1,329 |
| Loan loss allowance to noncurrent loans | 187.3575% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 3,845 |
| Noncurrent loans to loans | 1.0770% | 3,075 |
| Net loans and leases to total assets | 64.8865% | 2,924 |
| Net loans and leases to deposits | 88.2257% | 1,568 |
| Net loans and leases to core deposits | 108.4866% | 746 |
| Total domestic deposits to total assets | 73.5461% | 6,150 |
| Equity capital to assets | 18.8950% | 266 |
| Core capital (leverage) ratio | 13.9387% | 852 |
| Tier 1 risk-based capital ratio | 18.4407% | 2,086 |
| Total risk-based capital ratio | 19.6992% | 2,042 |
| Memoranda: | ||
| Average total assets | $648,110,000 | 1,044 |
| Average earning assets | $580,690,330 | 1,060 |
| Average equity | $123,710,330 | 584 |
| Average total loans | $445,692,000 | 988 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 2,721 |
| Cost of funding earning assets | 0.5543% | 2,389 |
| Net interest margin | 3.6848% | 2,932 |
| Noninterest income to average assets | 0.1206% | 6,245 |
| Noninterest expense to average assets | 1.8893% | 6,087 |
| Loan and lease loss provision to assets | 0.3250% | 561 |
| Net operating income to assets | 0.7031% | 3,672 |
| Return on assets (ROA) | 0.7031% | 3,752 |
| Pretax return on assets | 1.2012% | 2,481 |
| Return on Equity (ROE) | 3.6643% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.6643% | 3,938 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4556% | 5,976 |
| Assets per employee ($millions) | 7.3898% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9217% | 1,689 |
| Loan loss allowance to noncurrent loans | 175.7822% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 3,804 |
| Noncurrent loans to loans | 1.0932% | 3,234 |
| Net loans and leases to total assets | 69.6690% | 1,950 |
| Net loans and leases to deposits | 95.3530% | 694 |
| Net loans and leases to core deposits | 119.3446% | 337 |
| Total domestic deposits to total assets | 73.0644% | 6,302 |
| Equity capital to assets | 18.9838% | 259 |
| Core capital (leverage) ratio | 13.9830% | 824 |
| Tier 1 risk-based capital ratio | 18.0660% | 2,269 |
| Total risk-based capital ratio | 19.3245% | 2,242 |
| Memoranda: | ||
| Average total assets | $640,016,000 | 1,066 |
| Average earning assets | $572,296,500 | 1,081 |
| Average equity | $122,806,000 | 588 |
| Average total loans | $448,579,500 | 980 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 3,266 |
| Cost of funding earning assets | 0.5279% | 3,306 |
| Net interest margin | 3.6937% | 3,082 |
| Noninterest income to average assets | 0.5658% | 3,293 |
| Noninterest expense to average assets | 2.0343% | 5,959 |
| Loan and lease loss provision to assets | 0.2126% | 1,730 |
| Net operating income to assets | 0.9035% | 2,761 |
| Return on assets (ROA) | 0.9789% | 2,494 |
| Pretax return on assets | 1.6757% | 1,000 |
| Return on Equity (ROE) | 4.6747% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.6747% | 2,830 |
| Net charge-offs to loans | 0.3997% | 1,690 |
| Credit loss provision to net charge-offs | 81.5508% | 3,004 |
| Earnings coverage of net charge-offs (x) | 6.7901% | 2,986 |
| Efficiency ratio | 52.4211% | 6,258 |
| Assets per employee ($millions) | 7.2382% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9202% | 1,736 |
| Loan loss allowance to noncurrent loans | 536.7373% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 5,526 |
| Noncurrent loans to loans | 0.3578% | 5,114 |
| Net loans and leases to total assets | 67.7855% | 2,394 |
| Net loans and leases to deposits | 93.6403% | 906 |
| Net loans and leases to core deposits | 115.1704% | 441 |
| Total domestic deposits to total assets | 72.3893% | 6,396 |
| Equity capital to assets | 19.3988% | 241 |
| Core capital (leverage) ratio | 14.5625% | 675 |
| Tier 1 risk-based capital ratio | 19.1930% | 1,870 |
| Total risk-based capital ratio | 20.4521% | 1,824 |
| Memoranda: | ||
| Average total assets | $573,716,800 | 1,159 |
| Average earning assets | $503,100,200 | 1,210 |
| Average equity | $120,137,200 | 593 |
| Average total loans | $374,275,200 | 1,135 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,594 |
| Cost of funding earning assets | 0.5258% | 3,514 |
| Net interest margin | 3.6166% | 3,380 |
| Noninterest income to average assets | 0.8292% | 2,009 |
| Noninterest expense to average assets | 2.2675% | 5,442 |
| Loan and lease loss provision to assets | 0.1906% | 1,923 |
| Net operating income to assets | 0.8779% | 2,946 |
| Return on assets (ROA) | 0.9733% | 2,594 |
| Pretax return on assets | 1.6746% | 1,157 |
| Return on Equity (ROE) | 4.5539% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.5539% | 3,433 |
| Net charge-offs to loans | 0.5325% | 1,202 |
| Credit loss provision to net charge-offs | 55.7880% | 3,383 |
| Earnings coverage of net charge-offs (x) | 5.0237% | 3,301 |
| Efficiency ratio | 55.8393% | 5,919 |
| Assets per employee ($millions) | 7.0853% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9636% | 1,818 |
| Loan loss allowance to noncurrent loans | 191.7306% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 4,330 |
| Noncurrent loans to loans | 1.0241% | 3,752 |
| Net loans and leases to total assets | 67.9112% | 2,309 |
| Net loans and leases to deposits | 95.8738% | 699 |
| Net loans and leases to core deposits | 117.5370% | 362 |
| Total domestic deposits to total assets | 70.8339% | 6,557 |
| Equity capital to assets | 20.5610% | 188 |
| Core capital (leverage) ratio | 14.8078% | 673 |
| Tier 1 risk-based capital ratio | 20.2502% | 1,670 |
| Total risk-based capital ratio | 21.5099% | 1,648 |
| Memoranda: | ||
| Average total assets | $559,714,500 | 1,195 |
| Average earning assets | $488,176,500 | 1,261 |
| Average equity | $119,631,750 | 604 |
| Average total loans | $359,039,000 | 1,194 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 3,776 |
| Cost of funding earning assets | 0.5274% | 3,632 |
| Net interest margin | 3.5627% | 3,513 |
| Noninterest income to average assets | 0.4412% | 4,239 |
| Noninterest expense to average assets | 2.0659% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8353% | 3,122 |
| Return on assets (ROA) | 0.9406% | 2,758 |
| Pretax return on assets | 1.6265% | 1,288 |
| Return on Equity (ROE) | 4.3421% | 5,073 |
| Retained earnings to average equity (ytd only) | 4.3421% | 3,508 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1811% | 5,836 |
| Assets per employee ($millions) | 7.3892% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3581% | 1,159 |
| Loan loss allowance to noncurrent loans | 339.8819% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 1.7139% | 2,543 |
| Noncurrent loans to loans | 0.6938% | 4,546 |
| Net loans and leases to total assets | 62.0212% | 3,281 |
| Net loans and leases to deposits | 87.8510% | 1,356 |
| Net loans and leases to core deposits | 107.7920% | 653 |
| Total domestic deposits to total assets | 70.5982% | 6,633 |
| Equity capital to assets | 20.7375% | 178 |
| Core capital (leverage) ratio | 15.4074% | 544 |
| Tier 1 risk-based capital ratio | 20.7614% | 1,555 |
| Total risk-based capital ratio | 22.0243% | 1,521 |
| Memoranda: | ||
| Average total assets | $550,259,330 | 1,219 |
| Average earning assets | $476,719,670 | 1,290 |
| Average equity | $119,204,000 | 605 |
| Average total loans | $342,928,330 | 1,237 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 4,216 |
| Cost of funding earning assets | 0.5369% | 3,706 |
| Net interest margin | 3.4390% | 3,966 |
| Noninterest income to average assets | 0.7558% | 2,310 |
| Noninterest expense to average assets | 2.1109% | 5,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9204% | 2,566 |
| Return on assets (ROA) | 1.1362% | 1,843 |
| Pretax return on assets | 1.9441% | 670 |
| Return on Equity (ROE) | 5.1275% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.1275% | 3,153 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0571% | 6,149 |
| Assets per employee ($millions) | 7.5360% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5312% | 1,078 |
| Loan loss allowance to noncurrent loans | 335.7837% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 1.8262% | 2,576 |
| Noncurrent loans to loans | 0.7538% | 4,620 |
| Net loans and leases to total assets | 61.2675% | 3,214 |
| Net loans and leases to deposits | 85.5776% | 1,407 |
| Net loans and leases to core deposits | 98.2794% | 1,062 |
| Total domestic deposits to total assets | 71.5929% | 6,679 |
| Equity capital to assets | 22.0473% | 150 |
| Core capital (leverage) ratio | 16.0125% | 456 |
| Tier 1 risk-based capital ratio | 22.4859% | 1,244 |
| Total risk-based capital ratio | 23.7516% | 1,225 |
| Memoranda: | ||
| Average total assets | $537,211,000 | 1,261 |
| Average earning assets | $462,698,000 | 1,328 |
| Average equity | $119,045,000 | 616 |
| Average total loans | $331,344,500 | 1,284 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 4,828 |
| Cost of funding earning assets | 0.6894% | 3,576 |
| Net interest margin | 3.4433% | 4,725 |
| Noninterest income to average assets | 0.3522% | 4,946 |
| Noninterest expense to average assets | 1.9913% | 6,342 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7626% | 3,451 |
| Return on assets (ROA) | 0.8798% | 3,158 |
| Pretax return on assets | 1.4889% | 1,709 |
| Return on Equity (ROE) | 3.8526% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.8526% | 3,485 |
| Net charge-offs to loans | -0.1541% | 6,901 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3443% | 5,783 |
| Assets per employee ($millions) | 7.1869% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6842% | 939 |
| Loan loss allowance to noncurrent loans | 329.8815% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 2.4700% | 1,981 |
| Noncurrent loans to loans | 0.8137% | 4,557 |
| Net loans and leases to total assets | 58.8516% | 3,830 |
| Net loans and leases to deposits | 80.5245% | 2,216 |
| Net loans and leases to core deposits | 92.3560% | 1,606 |
| Total domestic deposits to total assets | 73.0853% | 6,615 |
| Equity capital to assets | 22.2746% | 147 |
| Core capital (leverage) ratio | 16.0066% | 455 |
| Tier 1 risk-based capital ratio | 23.3631% | 1,056 |
| Total risk-based capital ratio | 24.6305% | 1,036 |
| Memoranda: | ||
| Average total assets | $508,162,000 | 1,315 |
| Average earning assets | $434,579,200 | 1,388 |
| Average equity | $116,050,400 | 619 |
| Average total loans | $308,256,200 | 1,363 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 4,902 |
| Cost of funding earning assets | 0.7223% | 3,577 |
| Net interest margin | 3.4538% | 4,832 |
| Noninterest income to average assets | 0.1991% | 6,104 |
| Noninterest expense to average assets | 1.9618% | 6,421 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6948% | 3,935 |
| Return on assets (ROA) | 0.8529% | 3,453 |
| Pretax return on assets | 1.4370% | 2,127 |
| Return on Equity (ROE) | 3.7107% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.7107% | 4,276 |
| Net charge-offs to loans | -0.1557% | 6,948 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0741% | 5,483 |
| Assets per employee ($millions) | 7.2542% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7815% | 901 |
| Loan loss allowance to noncurrent loans | 84.6575% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 3.1488% | 1,644 |
| Noncurrent loans to loans | 3.2856% | 1,674 |
| Net loans and leases to total assets | 56.9755% | 4,301 |
| Net loans and leases to deposits | 78.2121% | 2,633 |
| Net loans and leases to core deposits | 90.6500% | 1,908 |
| Total domestic deposits to total assets | 72.8474% | 6,687 |
| Equity capital to assets | 22.4553% | 153 |
| Core capital (leverage) ratio | 16.0599% | 469 |
| Tier 1 risk-based capital ratio | 22.7254% | 1,214 |
| Total risk-based capital ratio | 23.9925% | 1,193 |
| Memoranda: | ||
| Average total assets | $502,245,250 | 1,343 |
| Average earning assets | $429,347,750 | 1,419 |
| Average equity | $115,447,250 | 620 |
| Average total loans | $304,914,500 | 1,387 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 4,853 |
| Cost of funding earning assets | 0.7574% | 3,542 |
| Net interest margin | 3.4718% | 4,793 |
| Noninterest income to average assets | 0.1978% | 6,141 |
| Noninterest expense to average assets | 2.0018% | 6,429 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6779% | 3,987 |
| Return on assets (ROA) | 0.8871% | 3,231 |
| Pretax return on assets | 1.4828% | 1,908 |
| Return on Equity (ROE) | 3.8281% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.8281% | 4,067 |
| Net charge-offs to loans | -0.2338% | 7,033 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1963% | 5,387 |
| Assets per employee ($millions) | 6.9860% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8139% | 930 |
| Loan loss allowance to noncurrent loans | 83.6017% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 3.2497% | 1,671 |
| Noncurrent loans to loans | 3.3659% | 1,721 |
| Net loans and leases to total assets | 57.6599% | 4,224 |
| Net loans and leases to deposits | 79.8491% | 2,404 |
| Net loans and leases to core deposits | 87.2846% | 2,283 |
| Total domestic deposits to total assets | 72.2111% | 6,790 |
| Equity capital to assets | 22.7425% | 136 |
| Core capital (leverage) ratio | 16.1649% | 441 |
| Tier 1 risk-based capital ratio | 22.8081% | 1,159 |
| Total risk-based capital ratio | 24.0760% | 1,141 |
| Memoranda: | ||
| Average total assets | $495,560,330 | 1,364 |
| Average earning assets | $422,494,670 | 1,447 |
| Average equity | $114,835,000 | 616 |
| Average total loans | $304,520,330 | 1,384 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 4,379 |
| Cost of funding earning assets | 0.7747% | 3,663 |
| Net interest margin | 3.6129% | 4,212 |
| Noninterest income to average assets | 0.1147% | 6,676 |
| Noninterest expense to average assets | 2.1116% | 6,249 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6007% | 4,337 |
| Return on assets (ROA) | 0.8707% | 3,272 |
| Pretax return on assets | 1.4924% | 1,891 |
| Return on Equity (ROE) | 3.7213% | 5,418 |
| Retained earnings to average equity (ytd only) | 3.7213% | 4,357 |
| Net charge-offs to loans | -0.3928% | 7,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1441% | 4,896 |
| Assets per employee ($millions) | 6.9470% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8323% | 978 |
| Loan loss allowance to noncurrent loans | 82.3804% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 3.3769% | 1,708 |
| Noncurrent loans to loans | 3.4380% | 1,817 |
| Net loans and leases to total assets | 58.8300% | 3,897 |
| Net loans and leases to deposits | 82.2476% | 1,904 |
| Net loans and leases to core deposits | 90.3296% | 1,817 |
| Total domestic deposits to total assets | 71.5279% | 6,905 |
| Equity capital to assets | 23.2423% | 119 |
| Core capital (leverage) ratio | 16.2833% | 434 |
| Tier 1 risk-based capital ratio | 23.1336% | 1,115 |
| Total risk-based capital ratio | 24.4024% | 1,093 |
| Memoranda: | ||
| Average total assets | $488,350,500 | 1,379 |
| Average earning assets | $414,628,500 | 1,473 |
| Average equity | $114,261,500 | 622 |
| Average total loans | $305,496,500 | 1,386 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 4,722 |
| Cost of funding earning assets | 0.8163% | 4,737 |
| Net interest margin | 3.7710% | 3,974 |
| Noninterest income to average assets | 0.5247% | 3,685 |
| Noninterest expense to average assets | 2.1683% | 6,332 |
| Loan and lease loss provision to assets | 0.2597% | 3,616 |
| Net operating income to assets | 0.6927% | 3,522 |
| Return on assets (ROA) | 0.8602% | 2,919 |
| Pretax return on assets | 1.4928% | 1,495 |
| Return on Equity (ROE) | 3.6849% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.6849% | 3,587 |
| Net charge-offs to loans | 0.1022% | 5,336 |
| Credit loss provision to net charge-offs | 401.2945% | 571 |
| Earnings coverage of net charge-offs (x) | 23.0388% | 1,042 |
| Efficiency ratio | 57.0562% | 6,182 |
| Assets per employee ($millions) | 7.0067% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6117% | 1,179 |
| Loan loss allowance to noncurrent loans | 67.4717% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 4.0357% | 1,422 |
| Noncurrent loans to loans | 3.8708% | 1,622 |
| Net loans and leases to total assets | 62.9221% | 3,425 |
| Net loans and leases to deposits | 91.4179% | 1,022 |
| Net loans and leases to core deposits | 100.0309% | 1,175 |
| Total domestic deposits to total assets | 68.8291% | 7,040 |
| Equity capital to assets | 23.5557% | 120 |
| Core capital (leverage) ratio | 16.2754% | 434 |
| Tier 1 risk-based capital ratio | 22.0364% | 1,234 |
| Total risk-based capital ratio | 23.3024% | 1,204 |
| Memoranda: | ||
| Average total assets | $477,563,200 | 1,387 |
| Average earning assets | $396,923,000 | 1,501 |
| Average equity | $111,481,200 | 618 |
| Average total loans | $302,453,800 | 1,409 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 4,677 |
| Cost of funding earning assets | 0.8200% | 5,008 |
| Net interest margin | 3.8284% | 3,730 |
| Noninterest income to average assets | 0.6284% | 3,005 |
| Noninterest expense to average assets | 2.1365% | 6,439 |
| Loan and lease loss provision to assets | 0.3473% | 2,798 |
| Net operating income to assets | 0.7550% | 3,366 |
| Return on assets (ROA) | 0.9645% | 2,630 |
| Pretax return on assets | 1.6400% | 1,279 |
| Return on Equity (ROE) | 4.1413% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.1413% | 3,784 |
| Net charge-offs to loans | 0.1289% | 4,757 |
| Credit loss provision to net charge-offs | 427.5862% | 662 |
| Earnings coverage of net charge-offs (x) | 20.4378% | 1,221 |
| Efficiency ratio | 54.3007% | 6,453 |
| Assets per employee ($millions) | 6.8549% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7131% | 1,118 |
| Loan loss allowance to noncurrent loans | 53.3747% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 5.2778% | 1,080 |
| Noncurrent loans to loans | 5.0831% | 1,215 |
| Net loans and leases to total assets | 61.1059% | 3,924 |
| Net loans and leases to deposits | 88.9039% | 1,331 |
| Net loans and leases to core deposits | 96.5212% | 1,553 |
| Total domestic deposits to total assets | 68.7325% | 7,103 |
| Equity capital to assets | 23.5725% | 137 |
| Core capital (leverage) ratio | 16.3115% | 466 |
| Tier 1 risk-based capital ratio | 21.5021% | 1,369 |
| Total risk-based capital ratio | 22.7685% | 1,339 |
| Memoranda: | ||
| Average total assets | $476,088,250 | 1,404 |
| Average earning assets | $393,954,500 | 1,516 |
| Average equity | $110,880,750 | 627 |
| Average total loans | $299,976,500 | 1,427 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 4,678 |
| Cost of funding earning assets | 0.8306% | 5,190 |
| Net interest margin | 3.8356% | 3,617 |
| Noninterest income to average assets | -0.0459% | 7,253 |
| Noninterest expense to average assets | 2.1186% | 6,556 |
| Loan and lease loss provision to assets | 0.3159% | 2,902 |
| Net operating income to assets | 0.3972% | 4,961 |
| Return on assets (ROA) | 0.4789% | 4,743 |
| Pretax return on assets | 0.8100% | 3,986 |
| Return on Equity (ROE) | 2.0647% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.0647% | 4,943 |
| Net charge-offs to loans | 0.0948% | 4,728 |
| Credit loss provision to net charge-offs | 528.1690% | 582 |
| Earnings coverage of net charge-offs (x) | 16.6901% | 1,326 |
| Efficiency ratio | 65.5676% | 4,963 |
| Assets per employee ($millions) | 6.7299% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6082% | 1,303 |
| Loan loss allowance to noncurrent loans | 47.2130% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 7.3639% | 670 |
| Noncurrent loans to loans | 5.5244% | 1,143 |
| Net loans and leases to total assets | 63.0028% | 3,676 |
| Net loans and leases to deposits | 92.0344% | 1,058 |
| Net loans and leases to core deposits | 100.3691% | 1,311 |
| Total domestic deposits to total assets | 68.4557% | 7,169 |
| Equity capital to assets | 23.9065% | 136 |
| Core capital (leverage) ratio | 15.8505% | 526 |
| Tier 1 risk-based capital ratio | 20.0424% | 1,600 |
| Total risk-based capital ratio | 21.3065% | 1,575 |
| Memoranda: | ||
| Average total assets | $474,836,330 | 1,415 |
| Average earning assets | $391,537,330 | 1,538 |
| Average equity | $110,137,330 | 633 |
| Average total loans | $299,505,330 | 1,452 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 4,665 |
| Cost of funding earning assets | 0.8608% | 5,204 |
| Net interest margin | 3.8052% | 3,591 |
| Noninterest income to average assets | 0.2016% | 6,283 |
| Noninterest expense to average assets | 2.1363% | 6,554 |
| Loan and lease loss provision to assets | 0.1666% | 3,962 |
| Net operating income to assets | 0.6232% | 3,905 |
| Return on assets (ROA) | 0.6232% | 3,974 |
| Pretax return on assets | 1.0515% | 2,939 |
| Return on Equity (ROE) | 2.7274% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.7274% | 4,537 |
| Net charge-offs to loans | -0.0027% | 6,187 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4754% | 5,766 |
| Assets per employee ($millions) | 6.4132% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5869% | 1,332 |
| Loan loss allowance to noncurrent loans | 55.1563% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 6.0381% | 954 |
| Noncurrent loans to loans | 4.6901% | 1,481 |
| Net loans and leases to total assets | 59.7547% | 4,317 |
| Net loans and leases to deposits | 81.5749% | 2,433 |
| Net loans and leases to core deposits | 88.1655% | 2,576 |
| Total domestic deposits to total assets | 73.2514% | 6,976 |
| Equity capital to assets | 23.5271% | 136 |
| Core capital (leverage) ratio | 15.5955% | 565 |
| Tier 1 risk-based capital ratio | 20.3605% | 1,512 |
| Total risk-based capital ratio | 21.6237% | 1,484 |
| Memoranda: | ||
| Average total assets | $480,074,500 | 1,410 |
| Average earning assets | $397,774,000 | 1,529 |
| Average equity | $109,700,000 | 631 |
| Average total loans | $299,060,500 | 1,463 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 5,936 |
| Cost of funding earning assets | 1.1315% | 4,961 |
| Net interest margin | 3.5247% | 5,139 |
| Noninterest income to average assets | 0.0937% | 6,922 |
| Noninterest expense to average assets | 2.1843% | 6,657 |
| Loan and lease loss provision to assets | 0.6182% | 2,667 |
| Net operating income to assets | 0.1948% | 5,280 |
| Return on assets (ROA) | 0.4624% | 4,427 |
| Pretax return on assets | 0.6923% | 4,001 |
| Return on Equity (ROE) | 2.3340% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.3340% | 4,244 |
| Net charge-offs to loans | 0.7721% | 2,708 |
| Credit loss provision to net charge-offs | 128.2566% | 3,128 |
| Earnings coverage of net charge-offs (x) | 1.8902% | 4,307 |
| Efficiency ratio | 68.4049% | 4,475 |
| Assets per employee ($millions) | 6.6485% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3242% | 1,658 |
| Loan loss allowance to noncurrent loans | 32.4212% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 7.5120% | 692 |
| Noncurrent loans to loans | 7.1688% | 776 |
| Net loans and leases to total assets | 61.7325% | 4,340 |
| Net loans and leases to deposits | 87.2775% | 1,896 |
| Net loans and leases to core deposits | 94.9115% | 2,143 |
| Total domestic deposits to total assets | 70.7313% | 7,193 |
| Equity capital to assets | 22.2069% | 176 |
| Core capital (leverage) ratio | 15.0126% | 662 |
| Tier 1 risk-based capital ratio | 19.2755% | 1,646 |
| Total risk-based capital ratio | 20.5364% | 1,614 |
| Memoranda: | ||
| Average total assets | $527,215,200 | 1,267 |
| Average earning assets | $448,969,200 | 1,361 |
| Average equity | $104,454,000 | 648 |
| Average total loans | $329,095,400 | 1,362 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 6,246 |
| Cost of funding earning assets | 1.1698% | 5,035 |
| Net interest margin | 3.4638% | 5,438 |
| Noninterest income to average assets | 0.0348% | 7,346 |
| Noninterest expense to average assets | 2.0752% | 6,900 |
| Loan and lease loss provision to assets | 0.5895% | 2,577 |
| Net operating income to assets | 0.1963% | 5,518 |
| Return on assets (ROA) | 0.5316% | 4,350 |
| Pretax return on assets | 0.8591% | 3,703 |
| Return on Equity (ROE) | 2.7595% | 5,321 |
| Retained earnings to average equity (ytd only) | 2.7595% | 4,501 |
| Net charge-offs to loans | 0.8312% | 2,376 |
| Credit loss provision to net charge-offs | 113.9423% | 3,673 |
| Earnings coverage of net charge-offs (x) | 1.7875% | 4,374 |
| Efficiency ratio | 66.9845% | 4,654 |
| Assets per employee ($millions) | 6.5757% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0872% | 2,033 |
| Loan loss allowance to noncurrent loans | 21.3664% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 8.5822% | 556 |
| Noncurrent loans to loans | 9.7687% | 445 |
| Net loans and leases to total assets | 63.8205% | 4,159 |
| Net loans and leases to deposits | 88.5349% | 1,936 |
| Net loans and leases to core deposits | 96.9874% | 2,145 |
| Total domestic deposits to total assets | 72.0852% | 7,122 |
| Equity capital to assets | 21.8951% | 196 |
| Core capital (leverage) ratio | 14.5864% | 800 |
| Tier 1 risk-based capital ratio | 19.0145% | 1,748 |
| Total risk-based capital ratio | 20.2733% | 1,707 |
| Memoranda: | ||
| Average total assets | $536,022,250 | 1,264 |
| Average earning assets | $458,864,750 | 1,348 |
| Average equity | $103,253,750 | 644 |
| Average total loans | $333,633,500 | 1,354 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 6,364 |
| Cost of funding earning assets | 1.2200% | 5,018 |
| Net interest margin | 3.4131% | 5,588 |
| Noninterest income to average assets | 0.0755% | 7,212 |
| Noninterest expense to average assets | 2.0481% | 7,022 |
| Loan and lease loss provision to assets | 0.8586% | 1,694 |
| Net operating income to assets | 0.0335% | 6,029 |
| Return on assets (ROA) | 0.5017% | 4,469 |
| Pretax return on assets | 0.8374% | 3,748 |
| Return on Equity (ROE) | 2.7175% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.7175% | 4,402 |
| Net charge-offs to loans | 0.8374% | 2,159 |
| Credit loss provision to net charge-offs | 167.1165% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.8771% | 4,114 |
| Efficiency ratio | 65.8551% | 5,006 |
| Assets per employee ($millions) | 7.1763% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3154% | 1,556 |
| Loan loss allowance to noncurrent loans | 45.8877% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 5.1180% | 1,240 |
| Noncurrent loans to loans | 5.0459% | 1,363 |
| Net loans and leases to total assets | 58.4279% | 5,348 |
| Net loans and leases to deposits | 78.2971% | 3,915 |
| Net loans and leases to core deposits | 84.3377% | 4,096 |
| Total domestic deposits to total assets | 74.6232% | 6,897 |
| Equity capital to assets | 20.1397% | 279 |
| Core capital (leverage) ratio | 13.8130% | 971 |
| Tier 1 risk-based capital ratio | 18.4190% | 1,854 |
| Total risk-based capital ratio | 19.6797% | 1,824 |
| Memoranda: | ||
| Average total assets | $548,111,000 | 1,240 |
| Average earning assets | $471,657,330 | 1,318 |
| Average equity | $101,197,670 | 650 |
| Average total loans | $336,262,670 | 1,355 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 6,295 |
| Cost of funding earning assets | 1.2446% | 5,146 |
| Net interest margin | 3.4412% | 5,417 |
| Noninterest income to average assets | 0.0687% | 7,373 |
| Noninterest expense to average assets | 2.0475% | 7,064 |
| Loan and lease loss provision to assets | 0.6126% | 2,078 |
| Net operating income to assets | 0.1761% | 5,769 |
| Return on assets (ROA) | 0.8390% | 2,898 |
| Pretax return on assets | 1.4219% | 1,714 |
| Return on Equity (ROE) | 4.7542% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.7542% | 3,293 |
| Net charge-offs to loans | 1.3988% | 1,235 |
| Credit loss provision to net charge-offs | 70.5246% | 4,094 |
| Earnings coverage of net charge-offs (x) | 1.1499% | 4,076 |
| Efficiency ratio | 65.1235% | 5,287 |
| Assets per employee ($millions) | 7.1534% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8338% | 2,628 |
| Loan loss allowance to noncurrent loans | 22.6029% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 5.7188% | 1,067 |
| Noncurrent loans to loans | 8.1132% | 658 |
| Net loans and leases to total assets | 59.8177% | 5,147 |
| Net loans and leases to deposits | 77.7584% | 4,093 |
| Net loans and leases to core deposits | 94.0008% | 2,840 |
| Total domestic deposits to total assets | 76.9276% | 6,573 |
| Equity capital to assets | 17.8155% | 441 |
| Core capital (leverage) ratio | 11.0027% | 2,230 |
| Tier 1 risk-based capital ratio | 14.6593% | 3,283 |
| Total risk-based capital ratio | 15.9145% | 3,245 |
| Memoranda: | ||
| Average total assets | $553,056,000 | 1,255 |
| Average earning assets | $478,551,500 | 1,333 |
| Average equity | $97,598,500 | 680 |
| Average total loans | $343,431,500 | 1,373 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 6,185 |
| Cost of funding earning assets | 1.9197% | 3,355 |
| Net interest margin | 3.1522% | 6,222 |
| Noninterest income to average assets | 0.1340% | 7,085 |
| Noninterest expense to average assets | 1.8847% | 7,526 |
| Loan and lease loss provision to assets | 2.5237% | 785 |
| Net operating income to assets | -0.8800% | 6,498 |
| Return on assets (ROA) | -0.8017% | 6,438 |
| Pretax return on assets | -1.4038% | 6,649 |
| Return on Equity (ROE) | -4.9160% | 6,205 |
| Retained earnings to average equity (ytd only) | -4.9160% | 6,011 |
| Net charge-offs to loans | 3.2834% | 617 |
| Credit loss provision to net charge-offs | 125.1762% | 4,181 |
| Earnings coverage of net charge-offs (x) | 0.4947% | 5,613 |
| Efficiency ratio | 63.1292% | 5,944 |
| Assets per employee ($millions) | 7.3066% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 2,397 |
| Loan loss allowance to noncurrent loans | 25.8951% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 4.8360% | 1,296 |
| Noncurrent loans to loans | 7.1567% | 765 |
| Net loans and leases to total assets | 62.0775% | 4,975 |
| Net loans and leases to deposits | 85.0896% | 3,065 |
| Net loans and leases to core deposits | 138.9991% | 843 |
| Total domestic deposits to total assets | 72.9554% | 7,158 |
| Equity capital to assets | 17.4802% | 506 |
| Core capital (leverage) ratio | 10.8316% | 2,327 |
| Tier 1 risk-based capital ratio | 14.2402% | 3,352 |
| Total risk-based capital ratio | 15.4954% | 3,302 |
| Memoranda: | ||
| Average total assets | $534,893,000 | 1,292 |
| Average earning assets | $466,314,200 | 1,349 |
| Average equity | $87,225,400 | 733 |
| Average total loans | $328,438,400 | 1,467 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 6,455 |
| Cost of funding earning assets | 2.0331% | 3,202 |
| Net interest margin | 3.0135% | 6,567 |
| Noninterest income to average assets | 0.1228% | 7,276 |
| Noninterest expense to average assets | 1.8631% | 7,590 |
| Loan and lease loss provision to assets | 2.2562% | 758 |
| Net operating income to assets | -0.7940% | 6,689 |
| Return on assets (ROA) | -0.7157% | 6,635 |
| Pretax return on assets | -1.2425% | 6,834 |
| Return on Equity (ROE) | -4.4734% | 6,395 |
| Retained earnings to average equity (ytd only) | -4.4734% | 6,184 |
| Net charge-offs to loans | 2.9637% | 572 |
| Credit loss provision to net charge-offs | 124.9652% | 4,032 |
| Earnings coverage of net charge-offs (x) | 0.4937% | 5,538 |
| Efficiency ratio | 65.2444% | 5,509 |
| Assets per employee ($millions) | 7.5454% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 3,037 |
| Loan loss allowance to noncurrent loans | 36.2615% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 2.9021% | 2,389 |
| Noncurrent loans to loans | 4.3803% | 1,615 |
| Net loans and leases to total assets | 59.5592% | 5,653 |
| Net loans and leases to deposits | 77.9112% | 4,747 |
| Net loans and leases to core deposits | 122.1662% | 2,054 |
| Total domestic deposits to total assets | 76.4450% | 6,485 |
| Equity capital to assets | 14.3605% | 1,183 |
| Core capital (leverage) ratio | 8.0192% | 6,330 |
| Tier 1 risk-based capital ratio | 10.5744% | 6,383 |
| Total risk-based capital ratio | 11.8262% | 6,346 |
| Memoranda: | ||
| Average total assets | $529,791,750 | 1,311 |
| Average earning assets | $462,654,500 | 1,375 |
| Average equity | $84,765,000 | 762 |
| Average total loans | $322,742,000 | 1,511 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 6,558 |
| Cost of funding earning assets | 2.0834% | 3,345 |
| Net interest margin | 2.9833% | 6,600 |
| Noninterest income to average assets | 0.1404% | 7,251 |
| Noninterest expense to average assets | 1.9040% | 7,621 |
| Loan and lease loss provision to assets | 1.7631% | 947 |
| Net operating income to assets | -0.5128% | 6,559 |
| Return on assets (ROA) | -0.4252% | 6,480 |
| Pretax return on assets | -0.7958% | 6,679 |
| Return on Equity (ROE) | -2.5584% | 6,304 |
| Retained earnings to average equity (ytd only) | -2.5584% | 5,880 |
| Net charge-offs to loans | 1.3209% | 1,397 |
| Credit loss provision to net charge-offs | 218.5687% | 2,105 |
| Earnings coverage of net charge-offs (x) | 1.0295% | 4,759 |
| Efficiency ratio | 67.1327% | 5,336 |
| Assets per employee ($millions) | 6.9180% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 2,009 |
| Loan loss allowance to noncurrent loans | 48.6752% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 2.4608% | 2,620 |
| Noncurrent loans to loans | 3.7257% | 1,866 |
| Net loans and leases to total assets | 61.1037% | 5,502 |
| Net loans and leases to deposits | 83.5224% | 3,965 |
| Net loans and leases to core deposits | 147.8395% | 703 |
| Total domestic deposits to total assets | 73.1584% | 7,088 |
| Equity capital to assets | 15.3299% | 965 |
| Core capital (leverage) ratio | 9.5063% | 3,874 |
| Tier 1 risk-based capital ratio | 11.2934% | 5,603 |
| Total risk-based capital ratio | 12.5479% | 5,497 |
| Memoranda: | ||
| Average total assets | $512,723,330 | 1,377 |
| Average earning assets | $445,814,330 | 1,450 |
| Average equity | $85,208,670 | 772 |
| Average total loans | $313,115,330 | 1,585 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2583% | 6,073 |
| Cost of funding earning assets | 2.2012% | 3,162 |
| Net interest margin | 3.0571% | 6,313 |
| Noninterest income to average assets | 0.0975% | 7,559 |
| Noninterest expense to average assets | 1.9083% | 7,530 |
| Loan and lease loss provision to assets | 0.9229% | 1,407 |
| Net operating income to assets | -0.0602% | 6,344 |
| Return on assets (ROA) | 0.0877% | 6,182 |
| Pretax return on assets | 0.1210% | 6,116 |
| Return on Equity (ROE) | 0.5059% | 6,275 |
| Retained earnings to average equity (ytd only) | 0.5059% | 5,455 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9033% | 5,162 |
| Assets per employee ($millions) | 6.5506% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 2,395 |
| Loan loss allowance to noncurrent loans | 158.0128% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6960% | 5,417 |
| Noncurrent loans to loans | 1.0324% | 4,923 |
| Net loans and leases to total assets | 59.7143% | 5,706 |
| Net loans and leases to deposits | 85.0750% | 3,804 |
| Net loans and leases to core deposits | 182.7855% | 214 |
| Total domestic deposits to total assets | 70.1902% | 7,410 |
| Equity capital to assets | 17.1629% | 705 |
| Core capital (leverage) ratio | 10.2218% | 3,178 |
| Tier 1 risk-based capital ratio | 12.7171% | 4,375 |
| Total risk-based capital ratio | 13.9688% | 4,294 |
| Memoranda: | ||
| Average total assets | $492,363,500 | 1,444 |
| Average earning assets | $426,681,500 | 1,525 |
| Average equity | $85,392,000 | 773 |
| Average total loans | $297,463,000 | 1,678 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0039% | 5,530 |
| Cost of funding earning assets | 2.6699% | 3,317 |
| Net interest margin | 3.3339% | 5,919 |
| Noninterest income to average assets | 0.2104% | 6,931 |
| Noninterest expense to average assets | 1.8605% | 7,676 |
| Loan and lease loss provision to assets | 0.2567% | 4,349 |
| Net operating income to assets | 0.7414% | 3,711 |
| Return on assets (ROA) | 0.1334% | 5,859 |
| Pretax return on assets | 0.1779% | 5,776 |
| Return on Equity (ROE) | 0.7145% | 6,007 |
| Retained earnings to average equity (ytd only) | 0.7145% | 4,803 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5310% | 6,770 |
| Assets per employee ($millions) | 6.0860% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 3,811 |
| Loan loss allowance to noncurrent loans | 107.8147% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 5,059 |
| Noncurrent loans to loans | 1.2022% | 4,109 |
| Net loans and leases to total assets | 59.3403% | 6,008 |
| Net loans and leases to deposits | 88.2294% | 3,768 |
| Net loans and leases to core deposits | 198.1836% | 179 |
| Total domestic deposits to total assets | 67.2568% | 7,544 |
| Equity capital to assets | 17.5277% | 714 |
| Core capital (leverage) ratio | 10.4252% | 3,045 |
| Tier 1 risk-based capital ratio | 12.8564% | 4,186 |
| Total risk-based capital ratio | 13.9595% | 4,198 |
| Memoranda: | ||
| Average total assets | $449,115,000 | 1,529 |
| Average earning assets | $390,049,400 | 1,592 |
| Average equity | $83,831,200 | 798 |
| Average total loans | $244,003,200 | 1,943 |