Home > First American State Bank > Performance and Condition Ratios
First American State 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 | 5.7924% | 1,499 |
| Cost of funding earning assets | 3.0807% | 267 |
| Net interest margin | 2.7117% | 3,822 |
| Noninterest income to average assets | 0.0400% | 4,325 |
| Noninterest expense to average assets | 2.2150% | 3,069 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | 0.2509% | 3,922 |
| Return on assets (ROA) | 0.2509% | 3,950 |
| Pretax return on assets | 0.2374% | 4,002 |
| Return on Equity (ROE) | 3.0100% | 3,861 |
| Retained earnings to average equity (ytd only) | -1.8708% | 3,901 |
| Net charge-offs to loans | -0.0453% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 83.4867% | 756 |
| Assets per employee ($millions) | 11.8448% | 464 |
| Cash dividends to net income (ytd only)* | 162.1622% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 1,260 |
| Loan loss allowance to noncurrent loans | 99,433.3333% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 933 |
| Noncurrent loans to loans | 0.0014% | 3,767 |
| Net loans and leases to total assets | 70.3100% | 1,805 |
| Net loans and leases to deposits | 102.6413% | 317 |
| Net loans and leases to core deposits | 115.5174% | 677 |
| Total domestic deposits to total assets | 68.5000% | 4,226 |
| Equity capital to assets | 8.3229% | 3,427 |
| Core capital (leverage) ratio | 8.3781% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5457% | 1,678 |
| Memoranda: | ||
| Average total assets | $294,904,000 | 2,503 |
| Average earning assets | $283,958,000 | 2,458 |
| Average equity | $24,588,000 | 2,721 |
| Average total loans | $211,877,500 | 2,330 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 1,884 |
| Cost of funding earning assets | 3.1915% | 340 |
| Net interest margin | 2.4356% | 3,966 |
| Noninterest income to average assets | 0.0500% | 4,366 |
| Noninterest expense to average assets | 2.0646% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.3185% | 3,817 |
| Return on assets (ROA) | 0.3338% | 3,813 |
| Pretax return on assets | 0.3513% | 3,871 |
| Return on Equity (ROE) | 3.7400% | 3,736 |
| Retained earnings to average equity (ytd only) | 0.2839% | 3,843 |
| Net charge-offs to loans | 0.0707% | 1,424 |
| Credit loss provision to net charge-offs | 9.3333% | 2,512 |
| Earnings coverage of net charge-offs (x) | 6.5533% | 2,497 |
| Efficiency ratio | 85.9712% | 684 |
| Assets per employee ($millions) | 14.0228% | 261 |
| Cash dividends to net income (ytd only)* | 92.4025% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 3,855 |
| Loan loss allowance to noncurrent loans | 57,233.3333% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 884 |
| Noncurrent loans to loans | 0.0014% | 3,772 |
| Net loans and leases to total assets | 71.6000% | 1,713 |
| Net loans and leases to deposits | 108.9397% | 193 |
| Net loans and leases to core deposits | 123.4386% | 511 |
| Total domestic deposits to total assets | 65.7200% | 4,281 |
| Equity capital to assets | 8.5833% | 3,127 |
| Core capital (leverage) ratio | 9.0396% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5033% | 1,676 |
| Memoranda: | ||
| Average total assets | $291,781,000 | 2,503 |
| Average earning assets | $282,061,400 | 2,446 |
| Average equity | $26,068,600 | 2,572 |
| Average total loans | $212,138,000 | 2,284 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6159% | 1,872 |
| Cost of funding earning assets | 3.2135% | 340 |
| Net interest margin | 2.4024% | 4,003 |
| Noninterest income to average assets | 0.0500% | 4,386 |
| Noninterest expense to average assets | 2.1142% | 3,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2624% | 3,915 |
| Return on assets (ROA) | 0.2624% | 3,946 |
| Pretax return on assets | 0.2579% | 4,002 |
| Return on Equity (ROE) | 2.9100% | 3,907 |
| Retained earnings to average equity (ytd only) | -0.1371% | 4,038 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 89.1292% | 579 |
| Assets per employee ($millions) | 13.2862% | 315 |
| Cash dividends to net income (ytd only)* | 104.7120% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 3,763 |
| Loan loss allowance to noncurrent loans | 183,700.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.8201% | 830 |
| Noncurrent loans to loans | 0.0005% | 3,824 |
| Net loans and leases to total assets | 71.9100% | 1,614 |
| Net loans and leases to deposits | 107.7638% | 216 |
| Net loans and leases to core deposits | 123.3321% | 524 |
| Total domestic deposits to total assets | 66.7300% | 4,300 |
| Equity capital to assets | 9.0364% | 3,008 |
| Core capital (leverage) ratio | 9.1383% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2394% | 1,815 |
| Memoranda: | ||
| Average total assets | $291,106,750 | 2,499 |
| Average earning assets | $281,599,250 | 2,446 |
| Average equity | $26,266,750 | 2,559 |
| Average total loans | $212,032,500 | 2,280 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5565% | 1,868 |
| Cost of funding earning assets | 3.2110% | 317 |
| Net interest margin | 2.3454% | 4,045 |
| Noninterest income to average assets | 0.0500% | 4,400 |
| Noninterest expense to average assets | 2.1031% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.2291% | 3,960 |
| Return on assets (ROA) | 0.2291% | 3,998 |
| Pretax return on assets | 0.2181% | 4,044 |
| Return on Equity (ROE) | 2.5400% | 3,950 |
| Retained earnings to average equity (ytd only) | 0.2517% | 3,772 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 90.6046% | 534 |
| Assets per employee ($millions) | 12.5027% | 360 |
| Cash dividends to net income (ytd only)* | 90.0901% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 3,738 |
| Loan loss allowance to noncurrent loans | 183,800.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 766 |
| Noncurrent loans to loans | 0.0005% | 3,815 |
| Net loans and leases to total assets | 71.6800% | 1,692 |
| Net loans and leases to deposits | 105.6590% | 322 |
| Net loans and leases to core deposits | 120.4510% | 617 |
| Total domestic deposits to total assets | 67.8400% | 4,282 |
| Equity capital to assets | 9.1580% | 2,629 |
| Core capital (leverage) ratio | 9.1087% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1751% | 1,816 |
| Memoranda: | ||
| Average total assets | $290,710,000 | 2,499 |
| Average earning assets | $281,653,333 | 2,435 |
| Average equity | $26,218,000 | 2,534 |
| Average total loans | $212,034,333 | 2,268 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4901% | 1,832 |
| Cost of funding earning assets | 3.1763% | 310 |
| Net interest margin | 2.3138% | 4,088 |
| Noninterest income to average assets | 0.0500% | 4,395 |
| Noninterest expense to average assets | 2.1158% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.1889% | 3,996 |
| Return on assets (ROA) | 0.1889% | 4,030 |
| Pretax return on assets | 0.1765% | 4,070 |
| Return on Equity (ROE) | 2.1100% | 3,992 |
| Retained earnings to average equity (ytd only) | -2.4771% | 3,971 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 92.2985% | 502 |
| Assets per employee ($millions) | 12.5857% | 364 |
| Cash dividends to net income (ytd only)* | 217.3913% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 3,766 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 710 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 72.2600% | 1,533 |
| Net loans and leases to deposits | 100.4900% | 458 |
| Net loans and leases to core deposits | 113.0256% | 837 |
| Total domestic deposits to total assets | 71.9100% | 4,230 |
| Equity capital to assets | 9.0206% | 2,665 |
| Core capital (leverage) ratio | 9.0378% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2062% | 1,806 |
| Memoranda: | ||
| Average total assets | $292,283,500 | 2,499 |
| Average earning assets | $283,347,000 | 2,429 |
| Average equity | $26,159,500 | 2,539 |
| Average total loans | $214,068,000 | 2,251 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 1,304 |
| Cost of funding earning assets | 2.8151% | 204 |
| Net interest margin | 2.5884% | 3,981 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.0917% | 3,427 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.3823% | 3,908 |
| Return on assets (ROA) | 0.4072% | 3,852 |
| Pretax return on assets | 0.4430% | 3,905 |
| Return on Equity (ROE) | 4.4300% | 3,827 |
| Retained earnings to average equity (ytd only) | 0.9937% | 3,840 |
| Net charge-offs to loans | 0.2378% | 449 |
| Credit loss provision to net charge-offs | 106.0606% | 1,784 |
| Earnings coverage of net charge-offs (x) | 3.4545% | 2,643 |
| Efficiency ratio | 77.7024% | 1,094 |
| Assets per employee ($millions) | 12.2957% | 381 |
| Cash dividends to net income (ytd only)* | 77.5862% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 3,840 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 2,564 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.9500% | 1,477 |
| Net loans and leases to deposits | 92.9395% | 1,019 |
| Net loans and leases to core deposits | 103.5467% | 1,242 |
| Total domestic deposits to total assets | 78.4900% | 3,673 |
| Equity capital to assets | 8.8808% | 2,764 |
| Core capital (leverage) ratio | 9.1526% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7556% | 1,954 |
| Memoranda: | ||
| Average total assets | $284,892,800 | 2,497 |
| Average earning assets | $276,620,000 | 2,428 |
| Average equity | $26,166,000 | 2,454 |
| Average total loans | $208,148,400 | 2,236 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3840% | 1,153 |
| Cost of funding earning assets | 2.7110% | 190 |
| Net interest margin | 2.6730% | 3,916 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.1916% | 3,102 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.3752% | 4,003 |
| Return on assets (ROA) | 0.4056% | 3,948 |
| Pretax return on assets | 0.4411% | 4,003 |
| Return on Equity (ROE) | 4.3800% | 3,923 |
| Retained earnings to average equity (ytd only) | 1.3203% | 3,886 |
| Net charge-offs to loans | 0.3212% | 275 |
| Credit loss provision to net charge-offs | 92.7419% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.6694% | 2,469 |
| Efficiency ratio | 77.8039% | 1,026 |
| Assets per employee ($millions) | 12.0755% | 366 |
| Cash dividends to net income (ytd only)* | 69.8487% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 3,845 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,599 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.0700% | 1,686 |
| Net loans and leases to deposits | 85.0725% | 1,649 |
| Net loans and leases to core deposits | 94.4507% | 1,651 |
| Total domestic deposits to total assets | 83.5500% | 2,889 |
| Equity capital to assets | 8.9438% | 2,451 |
| Core capital (leverage) ratio | 9.1541% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4060% | 1,750 |
| Memoranda: | ||
| Average total assets | $282,342,000 | 2,511 |
| Average earning assets | $274,138,750 | 2,450 |
| Average equity | $26,155,750 | 2,437 |
| Average total loans | $205,907,750 | 2,246 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3244% | 1,049 |
| Cost of funding earning assets | 2.5129% | 190 |
| Net interest margin | 2.8116% | 3,802 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.2019% | 3,073 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 0.2538% | 4,225 |
| Return on assets (ROA) | 0.3023% | 4,179 |
| Pretax return on assets | 0.3102% | 4,220 |
| Return on Equity (ROE) | 3.2200% | 4,127 |
| Retained earnings to average equity (ytd only) | -1.3494% | 4,242 |
| Net charge-offs to loans | 0.4832% | 169 |
| Credit loss provision to net charge-offs | 92.7419% | 1,493 |
| Earnings coverage of net charge-offs (x) | 1.6613% | 2,356 |
| Efficiency ratio | 78.8988% | 927 |
| Assets per employee ($millions) | 11.6262% | 419 |
| Cash dividends to net income (ytd only)* | 141.8440% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 3,892 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 2,528 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.4000% | 1,594 |
| Net loans and leases to deposits | 85.0273% | 1,584 |
| Net loans and leases to core deposits | 94.5946% | 1,543 |
| Total domestic deposits to total assets | 83.9700% | 2,824 |
| Equity capital to assets | 8.8752% | 2,603 |
| Core capital (leverage) ratio | 8.9473% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8495% | 1,960 |
| Memoranda: | ||
| Average total assets | $279,852,333 | 2,528 |
| Average earning assets | $272,516,667 | 2,462 |
| Average equity | $26,234,333 | 2,447 |
| Average total loans | $205,287,667 | 2,251 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 876 |
| Cost of funding earning assets | 2.1621% | 212 |
| Net interest margin | 3.0970% | 3,354 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 2.3319% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6406% | 3,607 |
| Return on assets (ROA) | 0.6719% | 3,480 |
| Pretax return on assets | 0.7841% | 3,495 |
| Return on Equity (ROE) | 6.9700% | 3,523 |
| Retained earnings to average equity (ytd only) | 2.4345% | 3,621 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.7217% | 1,191 |
| Assets per employee ($millions) | 11.5808% | 443 |
| Cash dividends to net income (ytd only)* | 65.0759% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 3,853 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,489 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.3800% | 1,684 |
| Net loans and leases to deposits | 81.2975% | 1,722 |
| Net loans and leases to core deposits | 90.1067% | 1,610 |
| Total domestic deposits to total assets | 85.3400% | 2,761 |
| Equity capital to assets | 9.1603% | 2,400 |
| Core capital (leverage) ratio | 9.4132% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1305% | 1,591 |
| Memoranda: | ||
| Average total assets | $274,451,500 | 2,590 |
| Average earning assets | $268,260,000 | 2,514 |
| Average equity | $26,453,500 | 2,465 |
| Average total loans | $203,280,000 | 2,280 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4183% | 846 |
| Cost of funding earning assets | 0.6692% | 671 |
| Net interest margin | 3.7491% | 1,266 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.3683% | 2,523 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.2631% | 1,555 |
| Return on assets (ROA) | 0.6377% | 3,737 |
| Pretax return on assets | 0.7525% | 3,736 |
| Return on Equity (ROE) | 6.4100% | 3,746 |
| Retained earnings to average equity (ytd only) | 1.7018% | 4,046 |
| Net charge-offs to loans | -0.0054% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.1021% | 2,746 |
| Assets per employee ($millions) | 10.3753% | 596 |
| Cash dividends to net income (ytd only)* | 73.4394% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 3,793 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 2,396 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 77.8900% | 805 |
| Net loans and leases to deposits | 88.5962% | 1,136 |
| Net loans and leases to core deposits | 99.8764% | 1,011 |
| Total domestic deposits to total assets | 87.9200% | 2,094 |
| Equity capital to assets | 10.1726% | 1,624 |
| Core capital (leverage) ratio | 10.3270% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9262% | 1,650 |
| Memoranda: | ||
| Average total assets | $256,218,400 | 2,692 |
| Average earning assets | $250,007,400 | 2,616 |
| Average equity | $25,501,800 | 2,557 |
| Average total loans | $202,665,000 | 2,207 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 733 |
| Cost of funding earning assets | 0.5148% | 701 |
| Net interest margin | 3.7866% | 967 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 2.3761% | 2,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2898% | 1,386 |
| Return on assets (ROA) | 0.3649% | 4,245 |
| Pretax return on assets | 0.3878% | 4,277 |
| Return on Equity (ROE) | 3.6900% | 4,202 |
| Retained earnings to average equity (ytd only) | -1.0601% | 4,423 |
| Net charge-offs to loans | -0.0046% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.3983% | 2,639 |
| Assets per employee ($millions) | 10.0795% | 646 |
| Cash dividends to net income (ytd only)* | 128.7554% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 3,689 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,446 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.8500% | 541 |
| Net loans and leases to deposits | 94.7337% | 607 |
| Net loans and leases to core deposits | 97.8072% | 906 |
| Total domestic deposits to total assets | 84.2900% | 3,435 |
| Equity capital to assets | 10.1533% | 1,541 |
| Core capital (leverage) ratio | 10.3951% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3438% | 1,611 |
| Memoranda: | ||
| Average total assets | $255,427,500 | 2,712 |
| Average earning assets | $248,905,500 | 2,638 |
| Average equity | $25,280,750 | 2,608 |
| Average total loans | $202,365,250 | 2,213 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 563 |
| Cost of funding earning assets | 0.4684% | 631 |
| Net interest margin | 3.7863% | 773 |
| Noninterest income to average assets | 0.0577% | 4,612 |
| Noninterest expense to average assets | 2.3354% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1873% | 1,473 |
| Return on assets (ROA) | 0.0265% | 4,533 |
| Pretax return on assets | -0.0608% | 4,561 |
| Return on Equity (ROE) | 0.2701% | 4,535 |
| Retained earnings to average equity (ytd only) | -4.4958% | 4,521 |
| Net charge-offs to loans | -0.0069% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3777% | 2,999 |
| Assets per employee ($millions) | 10.1774% | 626 |
| Cash dividends to net income (ytd only)* | 1,764.7059% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 3,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 2,495 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 78.0134% | 552 |
| Net loans and leases to deposits | 87.8550% | 841 |
| Net loans and leases to core deposits | 90.7754% | 1,076 |
| Total domestic deposits to total assets | 88.7979% | 2,259 |
| Equity capital to assets | 10.3256% | 1,520 |
| Core capital (leverage) ratio | 10.2003% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5857% | 1,550 |
| Memoranda: | ||
| Average total assets | $256,574,333 | 2,731 |
| Average earning assets | $249,793,667 | 2,672 |
| Average equity | $25,179,333 | 2,672 |
| Average total loans | $202,109,333 | 2,218 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 480 |
| Cost of funding earning assets | 0.4627% | 604 |
| Net interest margin | 3.7918% | 642 |
| Noninterest income to average assets | 0.0563% | 4,645 |
| Noninterest expense to average assets | 2.2350% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3263% | 948 |
| Return on assets (ROA) | -0.9409% | 4,732 |
| Pretax return on assets | -1.3428% | 4,744 |
| Return on Equity (ROE) | -9.8257% | 4,740 |
| Retained earnings to average equity (ytd only) | -14.5955% | 4,638 |
| Net charge-offs to loans | -0.0058% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4091% | 3,544 |
| Assets per employee ($millions) | 10.2170% | 649 |
| Cash dividends to net income (ytd only)* | -48.5437% | 4,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 3,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,638 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 78.6783% | 324 |
| Net loans and leases to deposits | 88.3269% | 604 |
| Net loans and leases to core deposits | 91.1166% | 869 |
| Total domestic deposits to total assets | 89.0762% | 2,046 |
| Equity capital to assets | 9.7367% | 2,098 |
| Core capital (leverage) ratio | 9.3982% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9078% | 1,831 |
| Memoranda: | ||
| Average total assets | $262,732,500 | 2,704 |
| Average earning assets | $256,762,000 | 2,634 |
| Average equity | $25,158,500 | 2,759 |
| Average total loans | $206,920,500 | 2,183 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 770 |
| Cost of funding earning assets | 0.6445% | 434 |
| Net interest margin | 3.7151% | 1,177 |
| Noninterest income to average assets | 0.0072% | 4,792 |
| Noninterest expense to average assets | 2.4084% | 2,468 |
| Loan and lease loss provision to assets | -0.1800% | 4,666 |
| Net operating income to assets | 1.0957% | 2,308 |
| Return on assets (ROA) | 1.0972% | 2,370 |
| Pretax return on assets | 1.3885% | 2,089 |
| Return on Equity (ROE) | 11.7406% | 1,902 |
| Retained earnings to average equity (ytd only) | 6.8757% | 1,974 |
| Net charge-offs to loans | 0.0044% | 2,445 |
| Credit loss provision to net charge-offs | -5,277.7778% | 4,174 |
| Earnings coverage of net charge-offs (x) | 353.8889% | 356 |
| Efficiency ratio | 66.6213% | 2,178 |
| Assets per employee ($millions) | 10.8016% | 537 |
| Cash dividends to net income (ytd only)* | 41.4365% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 4,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 2,846 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 77.4045% | 415 |
| Net loans and leases to deposits | 87.3258% | 692 |
| Net loans and leases to core deposits | 89.9120% | 974 |
| Total domestic deposits to total assets | 88.6387% | 1,709 |
| Equity capital to assets | 9.4234% | 3,207 |
| Core capital (leverage) ratio | 9.3845% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7451% | 1,953 |
| Memoranda: | ||
| Average total assets | $263,953,600 | 2,641 |
| Average earning assets | $256,332,000 | 2,579 |
| Average equity | $24,666,600 | 2,872 |
| Average total loans | $205,365,600 | 2,203 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 843 |
| Cost of funding earning assets | 0.6848% | 415 |
| Net interest margin | 3.6924% | 1,351 |
| Noninterest income to average assets | 0.0244% | 4,844 |
| Noninterest expense to average assets | 2.4199% | 2,375 |
| Loan and lease loss provision to assets | -0.2412% | 4,787 |
| Net operating income to assets | 1.1192% | 2,484 |
| Return on assets (ROA) | 1.1192% | 2,538 |
| Pretax return on assets | 1.4261% | 2,227 |
| Return on Equity (ROE) | 12.0028% | 2,044 |
| Retained earnings to average equity (ytd only) | 7.0992% | 2,377 |
| Net charge-offs to loans | 0.0039% | 2,204 |
| Credit loss provision to net charge-offs | -7,916.6667% | 4,192 |
| Earnings coverage of net charge-offs (x) | 388.6667% | 357 |
| Efficiency ratio | 67.1318% | 1,953 |
| Assets per employee ($millions) | 10.6259% | 537 |
| Cash dividends to net income (ytd only)* | 40.8534% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 4,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 2,211 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 79.0609% | 346 |
| Net loans and leases to deposits | 90.1862% | 596 |
| Net loans and leases to core deposits | 92.7086% | 889 |
| Total domestic deposits to total assets | 87.6641% | 2,024 |
| Equity capital to assets | 9.5070% | 3,360 |
| Core capital (leverage) ratio | 9.7599% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3738% | 2,216 |
| Memoranda: | ||
| Average total assets | $262,432,000 | 2,678 |
| Average earning assets | $254,463,750 | 2,614 |
| Average equity | $24,471,500 | 2,912 |
| Average total loans | $203,969,750 | 2,244 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 909 |
| Cost of funding earning assets | 0.7428% | 377 |
| Net interest margin | 3.6167% | 1,551 |
| Noninterest income to average assets | 0.0008% | 4,918 |
| Noninterest expense to average assets | 2.4227% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8465% | 3,377 |
| Return on assets (ROA) | 0.8555% | 3,429 |
| Pretax return on assets | 1.0882% | 3,256 |
| Return on Equity (ROE) | 9.2357% | 3,030 |
| Retained earnings to average equity (ytd only) | 4.2792% | 3,431 |
| Net charge-offs to loans | -0.0010% | 3,088 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2325% | 1,732 |
| Assets per employee ($millions) | 10.5377% | 518 |
| Cash dividends to net income (ytd only)* | 53.6673% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 2,341 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 75.3776% | 645 |
| Net loans and leases to deposits | 86.2714% | 900 |
| Net loans and leases to core deposits | 88.4451% | 1,239 |
| Total domestic deposits to total assets | 87.3726% | 2,141 |
| Equity capital to assets | 9.2806% | 3,527 |
| Core capital (leverage) ratio | 9.5965% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2697% | 1,877 |
| Memoranda: | ||
| Average total assets | $261,360,333 | 2,673 |
| Average earning assets | $252,828,333 | 2,616 |
| Average equity | $24,210,333 | 2,924 |
| Average total loans | $201,309,000 | 2,269 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 832 |
| Cost of funding earning assets | 0.8171% | 324 |
| Net interest margin | 3.6379% | 1,479 |
| Noninterest income to average assets | -0.0599% | 4,956 |
| Noninterest expense to average assets | 2.3248% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8715% | 3,204 |
| Return on assets (ROA) | 0.8897% | 3,239 |
| Pretax return on assets | 1.1478% | 2,994 |
| Return on Equity (ROE) | 9.6135% | 2,816 |
| Retained earnings to average equity (ytd only) | 4.6324% | 3,332 |
| Net charge-offs to loans | -0.0020% | 3,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3942% | 2,014 |
| Assets per employee ($millions) | 10.5751% | 505 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,747 |
| Loan loss allowance to noncurrent loans | 878.1818% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 2,148 |
| Noncurrent loans to loans | 0.1404% | 3,618 |
| Net loans and leases to total assets | 73.1981% | 884 |
| Net loans and leases to deposits | 84.4987% | 1,096 |
| Net loans and leases to core deposits | 86.7339% | 1,473 |
| Total domestic deposits to total assets | 86.6263% | 2,475 |
| Equity capital to assets | 9.1354% | 3,555 |
| Core capital (leverage) ratio | 9.4509% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8501% | 1,619 |
| Memoranda: | ||
| Average total assets | $260,319,000 | 2,668 |
| Average earning assets | $251,132,000 | 2,603 |
| Average equity | $24,091,000 | 2,922 |
| Average total loans | $201,467,500 | 2,276 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 919 |
| Cost of funding earning assets | 1.2464% | 225 |
| Net interest margin | 3.4392% | 2,648 |
| Noninterest income to average assets | 0.0240% | 4,912 |
| Noninterest expense to average assets | 2.1895% | 3,693 |
| Loan and lease loss provision to assets | 0.1869% | 2,085 |
| Net operating income to assets | 0.7180% | 3,370 |
| Return on assets (ROA) | 0.7719% | 3,319 |
| Pretax return on assets | 1.0225% | 2,967 |
| Return on Equity (ROE) | 8.6006% | 2,555 |
| Retained earnings to average equity (ytd only) | 3.5014% | 3,078 |
| Net charge-offs to loans | 0.0024% | 3,307 |
| Credit loss provision to net charge-offs | 9,800.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 598.4000% | 199 |
| Efficiency ratio | 65.7392% | 2,571 |
| Assets per employee ($millions) | 10.6775% | 438 |
| Cash dividends to net income (ytd only)* | 59.2885% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,123 |
| Loan loss allowance to noncurrent loans | 120,800.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 1,850 |
| Noncurrent loans to loans | 0.0010% | 4,417 |
| Net loans and leases to total assets | 79.8346% | 442 |
| Net loans and leases to deposits | 92.4281% | 753 |
| Net loans and leases to core deposits | 94.7179% | 1,197 |
| Total domestic deposits to total assets | 86.3748% | 2,198 |
| Equity capital to assets | 9.3772% | 3,719 |
| Core capital (leverage) ratio | 9.2602% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1475% | 1,804 |
| Memoranda: | ||
| Average total assets | $262,210,000 | 2,507 |
| Average earning assets | $252,096,000 | 2,459 |
| Average equity | $23,533,200 | 2,902 |
| Average total loans | $206,977,200 | 2,183 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 1,016 |
| Cost of funding earning assets | 1.3151% | 231 |
| Net interest margin | 3.4065% | 2,897 |
| Noninterest income to average assets | 0.0096% | 4,971 |
| Noninterest expense to average assets | 2.1565% | 3,793 |
| Loan and lease loss provision to assets | 0.2476% | 1,635 |
| Net operating income to assets | 0.6546% | 3,614 |
| Return on assets (ROA) | 0.7246% | 3,476 |
| Pretax return on assets | 0.9642% | 3,184 |
| Return on Equity (ROE) | 8.1619% | 2,741 |
| Retained earnings to average equity (ytd only) | 3.0358% | 3,507 |
| Net charge-offs to loans | 0.0032% | 3,057 |
| Credit loss provision to net charge-offs | 9,800.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 444.4000% | 256 |
| Efficiency ratio | 65.7469% | 2,497 |
| Assets per employee ($millions) | 11.3841% | 359 |
| Cash dividends to net income (ytd only)* | 62.8053% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 2,844 |
| Loan loss allowance to noncurrent loans | 241,600.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 861 |
| Noncurrent loans to loans | 0.0005% | 4,474 |
| Net loans and leases to total assets | 78.0410% | 828 |
| Net loans and leases to deposits | 91.9584% | 1,075 |
| Net loans and leases to core deposits | 94.5808% | 1,590 |
| Total domestic deposits to total assets | 84.8656% | 2,495 |
| Equity capital to assets | 9.0660% | 4,063 |
| Core capital (leverage) ratio | 9.2353% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5012% | 1,658 |
| Memoranda: | ||
| Average total assets | $263,697,250 | 2,482 |
| Average earning assets | $253,156,500 | 2,426 |
| Average equity | $23,409,000 | 2,909 |
| Average total loans | $206,971,250 | 2,183 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 1,253 |
| Cost of funding earning assets | 1.4035% | 225 |
| Net interest margin | 3.3594% | 3,227 |
| Noninterest income to average assets | -0.0182% | 5,033 |
| Noninterest expense to average assets | 2.1572% | 3,910 |
| Loan and lease loss provision to assets | 0.2232% | 1,876 |
| Net operating income to assets | 0.6159% | 3,681 |
| Return on assets (ROA) | 0.7181% | 3,440 |
| Pretax return on assets | 0.9564% | 3,164 |
| Return on Equity (ROE) | 8.1462% | 2,687 |
| Retained earnings to average equity (ytd only) | 2.9958% | 3,393 |
| Net charge-offs to loans | 0.0058% | 2,756 |
| Credit loss provision to net charge-offs | 4,916.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 231.3333% | 394 |
| Efficiency ratio | 67.2564% | 2,341 |
| Assets per employee ($millions) | 11.7130% | 333 |
| Cash dividends to net income (ytd only)* | 63.2244% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,404 |
| Loan loss allowance to noncurrent loans | 222,000.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 1.1496% | 966 |
| Noncurrent loans to loans | 0.0005% | 4,535 |
| Net loans and leases to total assets | 79.0819% | 710 |
| Net loans and leases to deposits | 93.2261% | 1,028 |
| Net loans and leases to core deposits | 96.3695% | 1,551 |
| Total domestic deposits to total assets | 84.8280% | 2,459 |
| Equity capital to assets | 8.7309% | 4,332 |
| Core capital (leverage) ratio | 9.0782% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6985% | 1,927 |
| Memoranda: | ||
| Average total assets | $264,318,333 | 2,447 |
| Average earning assets | $253,795,000 | 2,395 |
| Average equity | $23,299,333 | 2,908 |
| Average total loans | $207,043,667 | 2,167 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7631% | 1,523 |
| Cost of funding earning assets | 1.5702% | 210 |
| Net interest margin | 3.1929% | 3,875 |
| Noninterest income to average assets | -0.0993% | 5,087 |
| Noninterest expense to average assets | 2.2217% | 3,953 |
| Loan and lease loss provision to assets | 0.0229% | 3,519 |
| Net operating income to assets | 0.5306% | 3,808 |
| Return on assets (ROA) | 0.7273% | 3,262 |
| Pretax return on assets | 0.9688% | 2,939 |
| Return on Equity (ROE) | 8.2110% | 2,426 |
| Retained earnings to average equity (ytd only) | 3.0360% | 3,072 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9485% | 1,690 |
| Assets per employee ($millions) | 11.3231% | 280 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 3,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6803% | 590 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 77.1403% | 1,109 |
| Net loans and leases to deposits | 90.4355% | 1,460 |
| Net loans and leases to core deposits | 93.2678% | 2,041 |
| Total domestic deposits to total assets | 85.2987% | 2,290 |
| Equity capital to assets | 8.9544% | 4,628 |
| Core capital (leverage) ratio | 8.8065% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2685% | 1,819 |
| Memoranda: | ||
| Average total assets | $261,778,500 | 2,421 |
| Average earning assets | $251,182,000 | 2,361 |
| Average equity | $23,188,500 | 2,908 |
| Average total loans | $202,933,000 | 2,161 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 1,754 |
| Cost of funding earning assets | 1.6946% | 195 |
| Net interest margin | 3.2025% | 4,180 |
| Noninterest income to average assets | 0.0193% | 5,098 |
| Noninterest expense to average assets | 2.3310% | 3,866 |
| Loan and lease loss provision to assets | 0.0378% | 3,258 |
| Net operating income to assets | 0.5354% | 4,325 |
| Return on assets (ROA) | 0.5520% | 4,339 |
| Pretax return on assets | 0.7375% | 4,118 |
| Return on Equity (ROE) | 6.0182% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.0182% | 1,858 |
| Net charge-offs to loans | 0.0273% | 2,850 |
| Credit loss provision to net charge-offs | 174.0741% | 1,489 |
| Earnings coverage of net charge-offs (x) | 34.7037% | 1,439 |
| Efficiency ratio | 75.5480% | 1,413 |
| Assets per employee ($millions) | 11.4402% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 3,738 |
| Loan loss allowance to noncurrent loans | 64,366.6667% | 15 |
| Noncurrent assets plus other real estate owned to assets | 1.7034% | 540 |
| Noncurrent loans to loans | 0.0015% | 4,609 |
| Net loans and leases to total assets | 76.4241% | 1,337 |
| Net loans and leases to deposits | 88.9807% | 1,701 |
| Net loans and leases to core deposits | 91.8115% | 2,248 |
| Total domestic deposits to total assets | 85.8885% | 2,109 |
| Equity capital to assets | 8.7628% | 4,798 |
| Core capital (leverage) ratio | 9.2219% | 4,347 |
| Tier 1 risk-based capital ratio | 14.1456% | 3,189 |
| Total risk-based capital ratio | 15.3497% | 3,129 |
| Memoranda: | ||
| Average total assets | $248,392,000 | 2,475 |
| Average earning assets | $237,813,200 | 2,424 |
| Average equity | $22,781,000 | 2,886 |
| Average total loans | $197,759,600 | 2,183 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 1,674 |
| Cost of funding earning assets | 1.7096% | 194 |
| Net interest margin | 3.2425% | 4,202 |
| Noninterest income to average assets | 0.0060% | 5,195 |
| Noninterest expense to average assets | 2.2949% | 3,968 |
| Loan and lease loss provision to assets | 0.0458% | 2,986 |
| Net operating income to assets | 0.5726% | 4,369 |
| Return on assets (ROA) | 0.5950% | 4,361 |
| Pretax return on assets | 0.7949% | 4,125 |
| Return on Equity (ROE) | 6.4105% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.4105% | 2,167 |
| Net charge-offs to loans | 0.0231% | 2,638 |
| Credit loss provision to net charge-offs | 247.0588% | 1,106 |
| Earnings coverage of net charge-offs (x) | 43.8551% | 1,288 |
| Efficiency ratio | 73.8559% | 1,590 |
| Assets per employee ($millions) | 10.7013% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,836 |
| Loan loss allowance to noncurrent loans | 12,940.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 1.8259% | 537 |
| Noncurrent loans to loans | 0.0073% | 4,651 |
| Net loans and leases to total assets | 82.4182% | 515 |
| Net loans and leases to deposits | 100.2045% | 618 |
| Net loans and leases to core deposits | 103.9056% | 1,333 |
| Total domestic deposits to total assets | 82.2500% | 3,400 |
| Equity capital to assets | 9.2870% | 4,603 |
| Core capital (leverage) ratio | 9.3663% | 4,306 |
| Tier 1 risk-based capital ratio | 13.8796% | 3,386 |
| Total risk-based capital ratio | 15.0815% | 3,318 |
| Memoranda: | ||
| Average total assets | $244,708,750 | 2,513 |
| Average earning assets | $234,050,750 | 2,465 |
| Average equity | $22,712,000 | 2,915 |
| Average total loans | $196,444,000 | 2,211 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 1,874 |
| Cost of funding earning assets | 1.6906% | 188 |
| Net interest margin | 3.1715% | 4,415 |
| Noninterest income to average assets | -0.0246% | 5,273 |
| Noninterest expense to average assets | 2.3019% | 4,000 |
| Loan and lease loss provision to assets | 0.0025% | 3,656 |
| Net operating income to assets | 0.5265% | 4,469 |
| Return on assets (ROA) | 0.5511% | 4,452 |
| Pretax return on assets | 0.7362% | 4,246 |
| Return on Equity (ROE) | 5.9391% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.9391% | 2,306 |
| Net charge-offs to loans | 0.0320% | 2,216 |
| Credit loss provision to net charge-offs | 9.6774% | 2,693 |
| Earnings coverage of net charge-offs (x) | 27.8710% | 1,525 |
| Efficiency ratio | 76.4898% | 1,335 |
| Assets per employee ($millions) | 9.2782% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 3,891 |
| Loan loss allowance to noncurrent loans | 31,050.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 1.8592% | 528 |
| Noncurrent loans to loans | 0.0030% | 4,724 |
| Net loans and leases to total assets | 80.8919% | 747 |
| Net loans and leases to deposits | 97.9215% | 851 |
| Net loans and leases to core deposits | 101.7446% | 1,579 |
| Total domestic deposits to total assets | 82.6089% | 3,331 |
| Equity capital to assets | 9.4415% | 4,458 |
| Core capital (leverage) ratio | 9.3614% | 4,298 |
| Tier 1 risk-based capital ratio | 14.5318% | 3,053 |
| Total risk-based capital ratio | 15.7472% | 2,990 |
| Memoranda: | ||
| Average total assets | $244,235,000 | 2,531 |
| Average earning assets | $233,640,000 | 2,473 |
| Average equity | $22,663,330 | 2,912 |
| Average total loans | $193,659,670 | 2,236 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9829% | 1,374 |
| Cost of funding earning assets | 1.7011% | 158 |
| Net interest margin | 3.2818% | 4,205 |
| Noninterest income to average assets | 0.0570% | 5,192 |
| Noninterest expense to average assets | 2.3098% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6039% | 4,230 |
| Return on assets (ROA) | 0.6039% | 4,269 |
| Pretax return on assets | 0.8057% | 4,025 |
| Return on Equity (ROE) | 6.5643% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.5643% | 2,218 |
| Net charge-offs to loans | 0.0083% | 2,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 123.7500% | 576 |
| Efficiency ratio | 74.1379% | 1,743 |
| Assets per employee ($millions) | 9.5332% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,722 |
| Loan loss allowance to noncurrent loans | 12,580.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 1.8530% | 556 |
| Noncurrent loans to loans | 0.0079% | 4,758 |
| Net loans and leases to total assets | 75.4870% | 1,567 |
| Net loans and leases to deposits | 89.4123% | 1,697 |
| Net loans and leases to core deposits | 93.1631% | 2,196 |
| Total domestic deposits to total assets | 84.4257% | 2,883 |
| Equity capital to assets | 9.2083% | 4,523 |
| Core capital (leverage) ratio | 9.1697% | 4,502 |
| Tier 1 risk-based capital ratio | 15.4328% | 2,681 |
| Total risk-based capital ratio | 16.6838% | 2,594 |
| Memoranda: | ||
| Average total assets | $245,736,000 | 2,548 |
| Average earning assets | $229,023,500 | 2,528 |
| Average equity | $22,607,000 | 2,920 |
| Average total loans | $191,989,000 | 2,271 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 2,490 |
| Cost of funding earning assets | 0.9982% | 753 |
| Net interest margin | 3.4914% | 3,731 |
| Noninterest income to average assets | 0.1049% | 5,137 |
| Noninterest expense to average assets | 2.3205% | 4,075 |
| Loan and lease loss provision to assets | 0.1061% | 2,082 |
| Net operating income to assets | 0.7551% | 3,952 |
| Return on assets (ROA) | 0.7574% | 3,948 |
| Pretax return on assets | 1.0093% | 3,564 |
| Return on Equity (ROE) | 8.4618% | 3,236 |
| Retained earnings to average equity (ytd only) | 8.4618% | 1,056 |
| Net charge-offs to loans | 0.1478% | 1,298 |
| Credit loss provision to net charge-offs | 91.7857% | 2,698 |
| Earnings coverage of net charge-offs (x) | 9.6214% | 2,793 |
| Efficiency ratio | 67.5929% | 2,617 |
| Assets per employee ($millions) | 9.3695% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 3,866 |
| Loan loss allowance to noncurrent loans | 63,033.3333% | 17 |
| Noncurrent assets plus other real estate owned to assets | 1.8805% | 530 |
| Noncurrent loans to loans | 0.0015% | 4,826 |
| Net loans and leases to total assets | 79.2646% | 1,057 |
| Net loans and leases to deposits | 94.3169% | 1,241 |
| Net loans and leases to core deposits | 98.7971% | 1,808 |
| Total domestic deposits to total assets | 84.0408% | 2,984 |
| Equity capital to assets | 9.1910% | 4,413 |
| Core capital (leverage) ratio | 9.7711% | 3,836 |
| Tier 1 risk-based capital ratio | 14.3766% | 3,124 |
| Total risk-based capital ratio | 15.6155% | 3,046 |
| Memoranda: | ||
| Average total assets | $242,150,400 | 2,532 |
| Average earning assets | $230,822,200 | 2,477 |
| Average equity | $21,673,800 | 2,922 |
| Average total loans | $189,459,800 | 2,254 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 2,443 |
| Cost of funding earning assets | 0.9293% | 806 |
| Net interest margin | 3.5284% | 3,602 |
| Noninterest income to average assets | 0.1219% | 5,127 |
| Noninterest expense to average assets | 2.3541% | 3,964 |
| Loan and lease loss provision to assets | 0.1417% | 1,410 |
| Net operating income to assets | 0.7403% | 4,105 |
| Return on assets (ROA) | 0.7433% | 4,105 |
| Pretax return on assets | 0.9904% | 3,742 |
| Return on Equity (ROE) | 8.3615% | 3,398 |
| Retained earnings to average equity (ytd only) | 8.3615% | 1,491 |
| Net charge-offs to loans | 0.0957% | 1,534 |
| Credit loss provision to net charge-offs | 190.3704% | 1,442 |
| Earnings coverage of net charge-offs (x) | 15.1552% | 2,244 |
| Efficiency ratio | 67.6010% | 2,610 |
| Assets per employee ($millions) | 8.5054% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,206 |
| Loan loss allowance to noncurrent loans | 1,158.8889% | 524 |
| Noncurrent assets plus other real estate owned to assets | 2.3985% | 378 |
| Noncurrent loans to loans | 0.0947% | 4,464 |
| Net loans and leases to total assets | 81.8185% | 746 |
| Net loans and leases to deposits | 101.6347% | 671 |
| Net loans and leases to core deposits | 105.8296% | 1,321 |
| Total domestic deposits to total assets | 80.5025% | 3,992 |
| Equity capital to assets | 9.6675% | 3,942 |
| Core capital (leverage) ratio | 9.6667% | 3,978 |
| Tier 1 risk-based capital ratio | 14.7189% | 3,008 |
| Total risk-based capital ratio | 15.9701% | 2,935 |
| Memoranda: | ||
| Average total assets | $241,786,000 | 2,540 |
| Average earning assets | $230,277,000 | 2,498 |
| Average equity | $21,494,750 | 2,949 |
| Average total loans | $188,078,250 | 2,273 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,638 |
| Cost of funding earning assets | 0.9304% | 636 |
| Net interest margin | 3.4066% | 3,934 |
| Noninterest income to average assets | 0.1627% | 5,011 |
| Noninterest expense to average assets | 2.3772% | 3,957 |
| Loan and lease loss provision to assets | 0.1383% | 1,414 |
| Net operating income to assets | 0.6708% | 4,283 |
| Return on assets (ROA) | 0.6753% | 4,274 |
| Pretax return on assets | 0.8998% | 3,969 |
| Return on Equity (ROE) | 7.8083% | 3,590 |
| Retained earnings to average equity (ytd only) | 7.8083% | 1,703 |
| Net charge-offs to loans | 0.0918% | 1,424 |
| Credit loss provision to net charge-offs | 197.6744% | 1,317 |
| Earnings coverage of net charge-offs (x) | 14.7558% | 2,081 |
| Efficiency ratio | 69.7208% | 2,362 |
| Assets per employee ($millions) | 9.7438% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,352 |
| Loan loss allowance to noncurrent loans | 1,137.7778% | 537 |
| Noncurrent assets plus other real estate owned to assets | 2.2611% | 415 |
| Noncurrent loans to loans | 0.0954% | 4,488 |
| Net loans and leases to total assets | 76.5819% | 1,550 |
| Net loans and leases to deposits | 90.7702% | 1,741 |
| Net loans and leases to core deposits | 94.1263% | 2,208 |
| Total domestic deposits to total assets | 84.3691% | 2,928 |
| Equity capital to assets | 8.8976% | 4,644 |
| Core capital (leverage) ratio | 9.0883% | 4,601 |
| Tier 1 risk-based capital ratio | 14.5102% | 3,110 |
| Total risk-based capital ratio | 15.7618% | 3,028 |
| Memoranda: | ||
| Average total assets | $245,833,000 | 2,526 |
| Average earning assets | $234,311,330 | 2,479 |
| Average equity | $21,259,330 | 2,993 |
| Average total loans | $187,445,000 | 2,282 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 2,539 |
| Cost of funding earning assets | 0.9700% | 428 |
| Net interest margin | 3.3244% | 4,122 |
| Noninterest income to average assets | 0.2575% | 4,453 |
| Noninterest expense to average assets | 2.4280% | 3,868 |
| Loan and lease loss provision to assets | 0.2430% | 623 |
| Net operating income to assets | 0.5661% | 4,527 |
| Return on assets (ROA) | 0.5750% | 4,502 |
| Pretax return on assets | 0.7678% | 4,228 |
| Return on Equity (ROE) | 6.7452% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.7452% | 2,388 |
| Net charge-offs to loans | 0.1070% | 1,135 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 12.3400% | 1,807 |
| Efficiency ratio | 70.8412% | 2,369 |
| Assets per employee ($millions) | 8.5332% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,423 |
| Loan loss allowance to noncurrent loans | 9,381.8182% | 98 |
| Noncurrent assets plus other real estate owned to assets | 2.2392% | 454 |
| Noncurrent loans to loans | 0.0117% | 4,956 |
| Net loans and leases to total assets | 78.0998% | 1,225 |
| Net loans and leases to deposits | 92.7579% | 1,357 |
| Net loans and leases to core deposits | 96.4770% | 1,944 |
| Total domestic deposits to total assets | 84.1974% | 3,235 |
| Equity capital to assets | 8.8834% | 4,679 |
| Core capital (leverage) ratio | 8.7163% | 4,976 |
| Tier 1 risk-based capital ratio | 14.2223% | 3,267 |
| Total risk-based capital ratio | 15.4744% | 3,185 |
| Memoranda: | ||
| Average total assets | $246,952,500 | 2,542 |
| Average earning assets | $235,470,000 | 2,485 |
| Average equity | $21,052,000 | 3,040 |
| Average total loans | $186,869,000 | 2,306 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 2,637 |
| Cost of funding earning assets | 0.9321% | 316 |
| Net interest margin | 3.2807% | 4,213 |
| Noninterest income to average assets | -0.0509% | 5,642 |
| Noninterest expense to average assets | 2.2619% | 4,419 |
| Loan and lease loss provision to assets | 0.1701% | 1,290 |
| Net operating income to assets | 0.2742% | 4,975 |
| Return on assets (ROA) | 0.2727% | 4,996 |
| Pretax return on assets | 0.6364% | 4,661 |
| Return on Equity (ROE) | 3.5427% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.5427% | 3,154 |
| Net charge-offs to loans | 0.2273% | 1,138 |
| Credit loss provision to net charge-offs | 105.8685% | 2,434 |
| Earnings coverage of net charge-offs (x) | 5.0329% | 3,382 |
| Efficiency ratio | 73.6609% | 1,952 |
| Assets per employee ($millions) | 9.4436% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,548 |
| Loan loss allowance to noncurrent loans | 9,820.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 2.5630% | 356 |
| Noncurrent loans to loans | 0.0108% | 4,990 |
| Net loans and leases to total assets | 71.8134% | 2,265 |
| Net loans and leases to deposits | 91.2797% | 1,614 |
| Net loans and leases to core deposits | 95.0687% | 2,112 |
| Total domestic deposits to total assets | 78.6741% | 4,610 |
| Equity capital to assets | 8.1886% | 5,311 |
| Core capital (leverage) ratio | 8.4405% | 5,186 |
| Tier 1 risk-based capital ratio | 14.2659% | 3,215 |
| Total risk-based capital ratio | 15.5171% | 3,111 |
| Memoranda: | ||
| Average total assets | $265,082,800 | 2,370 |
| Average earning assets | $252,234,000 | 2,334 |
| Average equity | $20,408,000 | 3,095 |
| Average total loans | $187,376,800 | 2,259 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,262 |
| Cost of funding earning assets | 0.9209% | 312 |
| Net interest margin | 3.1046% | 4,703 |
| Noninterest income to average assets | 0.0563% | 5,593 |
| Noninterest expense to average assets | 2.2465% | 4,425 |
| Loan and lease loss provision to assets | 0.2247% | 822 |
| Net operating income to assets | 0.3327% | 5,149 |
| Return on assets (ROA) | 0.3308% | 5,181 |
| Pretax return on assets | 0.5366% | 4,958 |
| Return on Equity (ROE) | 4.3632% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.3632% | 3,306 |
| Net charge-offs to loans | 0.2398% | 891 |
| Credit loss provision to net charge-offs | 133.4320% | 1,847 |
| Earnings coverage of net charge-offs (x) | 4.5384% | 3,212 |
| Efficiency ratio | 74.6153% | 1,805 |
| Assets per employee ($millions) | 9.6489% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,696 |
| Loan loss allowance to noncurrent loans | 6,619.3548% | 125 |
| Noncurrent assets plus other real estate owned to assets | 2.5292% | 421 |
| Noncurrent loans to loans | 0.0161% | 5,070 |
| Net loans and leases to total assets | 70.4891% | 2,487 |
| Net loans and leases to deposits | 88.7745% | 1,957 |
| Net loans and leases to core deposits | 92.0631% | 2,433 |
| Total domestic deposits to total assets | 79.4024% | 4,457 |
| Equity capital to assets | 7.7145% | 5,593 |
| Core capital (leverage) ratio | 8.1876% | 5,428 |
| Tier 1 risk-based capital ratio | 13.3870% | 3,775 |
| Total risk-based capital ratio | 14.6375% | 3,689 |
| Memoranda: | ||
| Average total assets | $267,609,500 | 2,380 |
| Average earning assets | $254,666,250 | 2,335 |
| Average equity | $20,290,250 | 3,130 |
| Average total loans | $187,953,250 | 2,271 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,316 |
| Cost of funding earning assets | 0.9091% | 288 |
| Net interest margin | 3.0616% | 4,767 |
| Noninterest income to average assets | 0.0630% | 5,616 |
| Noninterest expense to average assets | 2.2500% | 4,461 |
| Loan and lease loss provision to assets | 0.2932% | 530 |
| Net operating income to assets | 0.2647% | 5,299 |
| Return on assets (ROA) | 0.2647% | 5,320 |
| Pretax return on assets | 0.4311% | 5,110 |
| Return on Equity (ROE) | 3.5113% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.5113% | 3,617 |
| Net charge-offs to loans | 0.2693% | 756 |
| Credit loss provision to net charge-offs | 155.7769% | 1,489 |
| Earnings coverage of net charge-offs (x) | 3.8486% | 2,997 |
| Efficiency ratio | 75.6491% | 1,782 |
| Assets per employee ($millions) | 10.1904% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,728 |
| Loan loss allowance to noncurrent loans | 5,197.5000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 2.4867% | 441 |
| Noncurrent loans to loans | 0.0206% | 5,081 |
| Net loans and leases to total assets | 69.6923% | 2,569 |
| Net loans and leases to deposits | 84.6576% | 2,384 |
| Net loans and leases to core deposits | 87.7270% | 2,725 |
| Total domestic deposits to total assets | 82.3225% | 3,796 |
| Equity capital to assets | 7.4707% | 5,658 |
| Core capital (leverage) ratio | 8.2558% | 5,388 |
| Tier 1 risk-based capital ratio | 13.0692% | 3,959 |
| Total risk-based capital ratio | 14.3199% | 3,868 |
| Memoranda: | ||
| Average total assets | $266,756,670 | 2,395 |
| Average earning assets | $253,661,670 | 2,352 |
| Average equity | $20,106,330 | 3,148 |
| Average total loans | $186,440,670 | 2,292 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 2,868 |
| Cost of funding earning assets | 0.9107% | 264 |
| Net interest margin | 3.1360% | 4,542 |
| Noninterest income to average assets | 0.0853% | 5,626 |
| Noninterest expense to average assets | 2.2760% | 4,474 |
| Loan and lease loss provision to assets | 0.1600% | 1,125 |
| Net operating income to assets | 0.3900% | 4,968 |
| Return on assets (ROA) | 0.3900% | 4,998 |
| Pretax return on assets | 0.6292% | 4,663 |
| Return on Equity (ROE) | 5.1504% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.1504% | 2,807 |
| Net charge-offs to loans | 0.3962% | 462 |
| Credit loss provision to net charge-offs | 58.0110% | 1,924 |
| Earnings coverage of net charge-offs (x) | 2.8619% | 2,540 |
| Efficiency ratio | 74.2545% | 2,191 |
| Assets per employee ($millions) | 9.4789% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,976 |
| Loan loss allowance to noncurrent loans | 3,802.0408% | 205 |
| Noncurrent assets plus other real estate owned to assets | 2.6769% | 404 |
| Noncurrent loans to loans | 0.0276% | 5,108 |
| Net loans and leases to total assets | 68.6126% | 2,584 |
| Net loans and leases to deposits | 85.5059% | 2,093 |
| Net loans and leases to core deposits | 88.4872% | 2,499 |
| Total domestic deposits to total assets | 80.2431% | 4,575 |
| Equity capital to assets | 7.8205% | 5,594 |
| Core capital (leverage) ratio | 8.3062% | 5,378 |
| Tier 1 risk-based capital ratio | 13.9042% | 3,536 |
| Total risk-based capital ratio | 15.1546% | 3,449 |
| Memoranda: | ||
| Average total assets | $262,564,500 | 2,446 |
| Average earning assets | $249,487,500 | 2,399 |
| Average equity | $19,882,000 | 3,184 |
| Average total loans | $182,745,500 | 2,338 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 3,107 |
| Cost of funding earning assets | 0.9629% | 212 |
| Net interest margin | 3.0636% | 4,813 |
| Noninterest income to average assets | 0.0644% | 5,740 |
| Noninterest expense to average assets | 2.1378% | 4,919 |
| Loan and lease loss provision to assets | 0.3202% | 572 |
| Net operating income to assets | 0.3312% | 5,140 |
| Return on assets (ROA) | 0.3687% | 5,118 |
| Pretax return on assets | 0.5708% | 4,872 |
| Return on Equity (ROE) | 5.1937% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.1937% | 2,206 |
| Net charge-offs to loans | 0.2079% | 1,340 |
| Credit loss provision to net charge-offs | 231.2834% | 1,246 |
| Earnings coverage of net charge-offs (x) | 6.0187% | 3,243 |
| Efficiency ratio | 71.9537% | 2,594 |
| Assets per employee ($millions) | 9.9703% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 4,133 |
| Loan loss allowance to noncurrent loans | 3,878.0000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 2.5453% | 468 |
| Noncurrent loans to loans | 0.0266% | 5,159 |
| Net loans and leases to total assets | 69.1268% | 2,608 |
| Net loans and leases to deposits | 97.0325% | 906 |
| Net loans and leases to core deposits | 100.4361% | 1,585 |
| Total domestic deposits to total assets | 71.2409% | 5,604 |
| Equity capital to assets | 7.3362% | 5,749 |
| Core capital (leverage) ratio | 7.9874% | 5,627 |
| Tier 1 risk-based capital ratio | 12.7731% | 4,218 |
| Total risk-based capital ratio | 14.0181% | 4,107 |
| Memoranda: | ||
| Average total assets | $270,140,800 | 2,362 |
| Average earning assets | $256,301,600 | 2,309 |
| Average equity | $19,177,200 | 3,252 |
| Average total loans | $179,874,200 | 2,313 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 2,983 |
| Cost of funding earning assets | 0.9835% | 184 |
| Net interest margin | 3.0872% | 4,807 |
| Noninterest income to average assets | 0.0661% | 5,797 |
| Noninterest expense to average assets | 2.2211% | 4,715 |
| Loan and lease loss provision to assets | 0.3417% | 469 |
| Net operating income to assets | 0.2851% | 5,312 |
| Return on assets (ROA) | 0.3205% | 5,322 |
| Pretax return on assets | 0.4857% | 5,156 |
| Return on Equity (ROE) | 4.5526% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.5526% | 3,101 |
| Net charge-offs to loans | 0.1972% | 1,189 |
| Credit loss provision to net charge-offs | 263.4981% | 1,153 |
| Earnings coverage of net charge-offs (x) | 5.9658% | 3,055 |
| Efficiency ratio | 74.1643% | 2,255 |
| Assets per employee ($millions) | 9.8749% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 4,297 |
| Loan loss allowance to noncurrent loans | 5,868.7500% | 122 |
| Noncurrent assets plus other real estate owned to assets | 2.5632% | 525 |
| Noncurrent loans to loans | 0.0174% | 5,325 |
| Net loans and leases to total assets | 68.3343% | 2,749 |
| Net loans and leases to deposits | 91.1955% | 1,611 |
| Net loans and leases to core deposits | 94.2565% | 2,172 |
| Total domestic deposits to total assets | 74.9316% | 5,346 |
| Equity capital to assets | 7.3043% | 5,862 |
| Core capital (leverage) ratio | 7.5820% | 5,817 |
| Tier 1 risk-based capital ratio | 12.5841% | 4,426 |
| Total risk-based capital ratio | 13.7931% | 4,351 |
| Memoranda: | ||
| Average total assets | $270,374,000 | 2,370 |
| Average earning assets | $256,494,000 | 2,313 |
| Average equity | $19,036,250 | 3,290 |
| Average total loans | $177,836,000 | 2,333 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,131 |
| Cost of funding earning assets | 0.9948% | 176 |
| Net interest margin | 3.0365% | 5,002 |
| Noninterest income to average assets | 0.0633% | 5,877 |
| Noninterest expense to average assets | 2.2318% | 4,774 |
| Loan and lease loss provision to assets | 0.3954% | 391 |
| Net operating income to assets | 0.2246% | 5,480 |
| Return on assets (ROA) | 0.2246% | 5,542 |
| Pretax return on assets | 0.3151% | 5,483 |
| Return on Equity (ROE) | 3.2292% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.2292% | 3,836 |
| Net charge-offs to loans | 0.2139% | 1,100 |
| Credit loss provision to net charge-offs | 285.6383% | 1,001 |
| Earnings coverage of net charge-offs (x) | 5.1330% | 2,892 |
| Efficiency ratio | 75.8509% | 2,105 |
| Assets per employee ($millions) | 9.7153% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 4,452 |
| Loan loss allowance to noncurrent loans | 17,970.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 2.5969% | 517 |
| Noncurrent loans to loans | 0.0056% | 5,494 |
| Net loans and leases to total assets | 67.0822% | 2,928 |
| Net loans and leases to deposits | 84.7376% | 2,378 |
| Net loans and leases to core deposits | 87.5910% | 2,772 |
| Total domestic deposits to total assets | 79.1647% | 4,737 |
| Equity capital to assets | 7.2680% | 5,939 |
| Core capital (leverage) ratio | 7.1266% | 5,933 |
| Tier 1 risk-based capital ratio | 12.4603% | 4,550 |
| Total risk-based capital ratio | 13.6263% | 4,522 |
| Memoranda: | ||
| Average total assets | $271,624,330 | 2,367 |
| Average earning assets | $257,529,330 | 2,316 |
| Average equity | $18,890,000 | 3,316 |
| Average total loans | $175,757,000 | 2,355 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 3,261 |
| Cost of funding earning assets | 0.9785% | 191 |
| Net interest margin | 3.0103% | 5,099 |
| Noninterest income to average assets | 0.0825% | 5,878 |
| Noninterest expense to average assets | 2.2629% | 4,754 |
| Loan and lease loss provision to assets | 0.6399% | 170 |
| Net operating income to assets | 0.0840% | 5,706 |
| Return on assets (ROA) | 0.0840% | 5,750 |
| Pretax return on assets | 0.0391% | 5,787 |
| Return on Equity (ROE) | 1.2339% | 5,657 |
| Retained earnings to average equity (ytd only) | 1.2339% | 4,758 |
| Net charge-offs to loans | 0.2953% | 722 |
| Credit loss provision to net charge-offs | 342.6357% | 781 |
| Earnings coverage of net charge-offs (x) | 3.6357% | 2,519 |
| Efficiency ratio | 76.9193% | 2,056 |
| Assets per employee ($millions) | 10.3287% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 4,632 |
| Loan loss allowance to noncurrent loans | 5,870.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 2.4498% | 617 |
| Noncurrent loans to loans | 0.0170% | 5,442 |
| Net loans and leases to total assets | 62.6905% | 3,430 |
| Net loans and leases to deposits | 81.3101% | 2,629 |
| Net loans and leases to core deposits | 83.9438% | 2,945 |
| Total domestic deposits to total assets | 77.1005% | 5,274 |
| Equity capital to assets | 6.7543% | 6,024 |
| Core capital (leverage) ratio | 7.0342% | 5,998 |
| Tier 1 risk-based capital ratio | 12.1206% | 4,835 |
| Total risk-based capital ratio | 13.2466% | 4,835 |
| Memoranda: | ||
| Average total assets | $276,279,500 | 2,337 |
| Average earning assets | $262,432,500 | 2,284 |
| Average equity | $18,802,500 | 3,330 |
| Average total loans | $174,754,000 | 2,362 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 3,131 |
| Cost of funding earning assets | 1.0244% | 150 |
| Net interest margin | 3.0220% | 5,083 |
| Noninterest income to average assets | -0.0832% | 6,140 |
| Noninterest expense to average assets | 2.2533% | 4,913 |
| Loan and lease loss provision to assets | 0.0651% | 2,988 |
| Net operating income to assets | 0.2837% | 5,403 |
| Return on assets (ROA) | 0.2837% | 5,483 |
| Pretax return on assets | 0.4394% | 5,249 |
| Return on Equity (ROE) | 4.1763% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.1763% | 3,015 |
| Net charge-offs to loans | 0.2113% | 1,392 |
| Credit loss provision to net charge-offs | 49.5775% | 3,415 |
| Earnings coverage of net charge-offs (x) | 3.8423% | 3,651 |
| Efficiency ratio | 81.7085% | 1,445 |
| Assets per employee ($millions) | 10.5263% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 5,308 |
| Loan loss allowance to noncurrent loans | 2,839.2157% | 246 |
| Noncurrent assets plus other real estate owned to assets | 2.5040% | 619 |
| Noncurrent loans to loans | 0.0295% | 5,393 |
| Net loans and leases to total assets | 62.6529% | 3,472 |
| Net loans and leases to deposits | 82.5292% | 2,529 |
| Net loans and leases to core deposits | 84.8963% | 2,893 |
| Total domestic deposits to total assets | 75.9160% | 5,452 |
| Equity capital to assets | 6.8579% | 6,071 |
| Core capital (leverage) ratio | 7.0310% | 6,049 |
| Tier 1 risk-based capital ratio | 12.3345% | 4,741 |
| Total risk-based capital ratio | 13.2805% | 4,831 |
| Memoranda: | ||
| Average total assets | $270,397,800 | 2,343 |
| Average earning assets | $254,198,800 | 2,313 |
| Average equity | $18,365,400 | 3,331 |
| Average total loans | $168,014,600 | 2,375 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0713% | 3,057 |
| Cost of funding earning assets | 1.0356% | 148 |
| Net interest margin | 3.0357% | 5,115 |
| Noninterest income to average assets | -0.1266% | 6,240 |
| Noninterest expense to average assets | 2.2281% | 4,971 |
| Loan and lease loss provision to assets | 0.0870% | 2,417 |
| Net operating income to assets | 0.2463% | 5,584 |
| Return on assets (ROA) | 0.2463% | 5,658 |
| Pretax return on assets | 0.4041% | 5,456 |
| Return on Equity (ROE) | 3.6354% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.6354% | 3,881 |
| Net charge-offs to loans | 0.1967% | 1,299 |
| Credit loss provision to net charge-offs | 71.5447% | 2,732 |
| Earnings coverage of net charge-offs (x) | 4.0366% | 3,410 |
| Efficiency ratio | 81.9389% | 1,405 |
| Assets per employee ($millions) | 10.9374% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 5,067 |
| Loan loss allowance to noncurrent loans | 5,766.6667% | 139 |
| Noncurrent assets plus other real estate owned to assets | 2.4975% | 695 |
| Noncurrent loans to loans | 0.0161% | 5,577 |
| Net loans and leases to total assets | 60.6300% | 3,792 |
| Net loans and leases to deposits | 78.9330% | 3,000 |
| Net loans and leases to core deposits | 81.0508% | 3,339 |
| Total domestic deposits to total assets | 76.8120% | 5,373 |
| Equity capital to assets | 6.7914% | 6,165 |
| Core capital (leverage) ratio | 6.9579% | 6,134 |
| Tier 1 risk-based capital ratio | 11.9343% | 5,117 |
| Total risk-based capital ratio | 12.9327% | 5,201 |
| Memoranda: | ||
| Average total assets | $269,576,250 | 2,361 |
| Average earning assets | $252,720,750 | 2,338 |
| Average equity | $18,264,500 | 3,375 |
| Average total loans | $166,788,500 | 2,403 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 3,222 |
| Cost of funding earning assets | 1.0694% | 119 |
| Net interest margin | 2.9464% | 5,345 |
| Noninterest income to average assets | -0.2035% | 6,319 |
| Noninterest expense to average assets | 2.2088% | 5,093 |
| Loan and lease loss provision to assets | 0.1312% | 1,678 |
| Net operating income to assets | 0.1230% | 5,846 |
| Return on assets (ROA) | 0.1230% | 5,893 |
| Pretax return on assets | 0.2087% | 5,800 |
| Return on Equity (ROE) | 1.8169% | 5,722 |
| Retained earnings to average equity (ytd only) | 1.8169% | 4,788 |
| Net charge-offs to loans | 0.2029% | 1,246 |
| Credit loss provision to net charge-offs | 104.1420% | 1,994 |
| Earnings coverage of net charge-offs (x) | 2.6982% | 3,301 |
| Efficiency ratio | 86.6628% | 1,005 |
| Assets per employee ($millions) | 10.8337% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 5,081 |
| Loan loss allowance to noncurrent loans | 5,274.1935% | 122 |
| Noncurrent assets plus other real estate owned to assets | 2.5229% | 747 |
| Noncurrent loans to loans | 0.0181% | 5,691 |
| Net loans and leases to total assets | 62.6389% | 3,459 |
| Net loans and leases to deposits | 86.9302% | 1,946 |
| Net loans and leases to core deposits | 88.9694% | 2,457 |
| Total domestic deposits to total assets | 72.0565% | 5,935 |
| Equity capital to assets | 6.7397% | 6,228 |
| Core capital (leverage) ratio | 6.7853% | 6,213 |
| Tier 1 risk-based capital ratio | 11.6282% | 5,386 |
| Total risk-based capital ratio | 12.6683% | 5,443 |
| Memoranda: | ||
| Average total assets | $268,290,330 | 2,390 |
| Average earning assets | $250,614,330 | 2,363 |
| Average equity | $18,162,670 | 3,402 |
| Average total loans | $166,604,670 | 2,407 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,389 |
| Cost of funding earning assets | 1.1571% | 72 |
| Net interest margin | 2.8009% | 5,636 |
| Noninterest income to average assets | -0.1663% | 6,375 |
| Noninterest expense to average assets | 2.1737% | 5,215 |
| Loan and lease loss provision to assets | 0.1813% | 1,057 |
| Net operating income to assets | 0.0449% | 5,959 |
| Return on assets (ROA) | 0.0449% | 6,003 |
| Pretax return on assets | 0.0824% | 5,968 |
| Return on Equity (ROE) | 0.6624% | 5,967 |
| Retained earnings to average equity (ytd only) | 0.6624% | 5,179 |
| Net charge-offs to loans | 0.1729% | 1,238 |
| Credit loss provision to net charge-offs | 170.4225% | 1,160 |
| Earnings coverage of net charge-offs (x) | 2.4789% | 2,744 |
| Efficiency ratio | 89.1825% | 924 |
| Assets per employee ($millions) | 10.6289% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 5,030 |
| Loan loss allowance to noncurrent loans | 4,090.2439% | 163 |
| Noncurrent assets plus other real estate owned to assets | 3.5127% | 470 |
| Noncurrent loans to loans | 0.0244% | 5,705 |
| Net loans and leases to total assets | 62.5214% | 3,282 |
| Net loans and leases to deposits | 85.1096% | 1,941 |
| Net loans and leases to core deposits | 87.3933% | 2,389 |
| Total domestic deposits to total assets | 73.4599% | 5,946 |
| Equity capital to assets | 6.8229% | 6,276 |
| Core capital (leverage) ratio | 6.4840% | 6,299 |
| Tier 1 risk-based capital ratio | 11.3806% | 5,616 |
| Total risk-based capital ratio | 12.4326% | 5,634 |
| Memoranda: | ||
| Average total assets | $267,014,000 | 2,409 |
| Average earning assets | $248,204,000 | 2,393 |
| Average equity | $18,117,000 | 3,424 |
| Average total loans | $164,263,000 | 2,444 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 2,771 |
| Cost of funding earning assets | 1.1133% | 124 |
| Net interest margin | 3.1382% | 5,103 |
| Noninterest income to average assets | 0.2376% | 5,433 |
| Noninterest expense to average assets | 2.2154% | 5,313 |
| Loan and lease loss provision to assets | 0.0589% | 3,352 |
| Net operating income to assets | 0.5281% | 4,691 |
| Return on assets (ROA) | 0.5281% | 4,780 |
| Pretax return on assets | 0.8517% | 4,068 |
| Return on Equity (ROE) | 7.9986% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.9986% | 1,018 |
| Net charge-offs to loans | 0.2195% | 1,911 |
| Credit loss provision to net charge-offs | 42.5824% | 3,620 |
| Earnings coverage of net charge-offs (x) | 6.5797% | 3,174 |
| Efficiency ratio | 70.8708% | 3,397 |
| Assets per employee ($millions) | 10.7322% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 4,979 |
| Loan loss allowance to noncurrent loans | 12,515.3846% | 72 |
| Noncurrent assets plus other real estate owned to assets | 4.1371% | 399 |
| Noncurrent loans to loans | 0.0081% | 5,892 |
| Net loans and leases to total assets | 59.2939% | 3,876 |
| Net loans and leases to deposits | 76.8936% | 3,101 |
| Net loans and leases to core deposits | 78.9594% | 3,414 |
| Total domestic deposits to total assets | 77.1116% | 5,580 |
| Equity capital to assets | 6.7475% | 6,354 |
| Core capital (leverage) ratio | 6.9861% | 6,314 |
| Tier 1 risk-based capital ratio | 11.9437% | 5,401 |
| Total risk-based capital ratio | 13.0144% | 5,423 |
| Memoranda: | ||
| Average total assets | $263,017,800 | 2,401 |
| Average earning assets | $242,083,400 | 2,414 |
| Average equity | $17,365,600 | 3,478 |
| Average total loans | $165,823,800 | 2,366 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,572 |
| Cost of funding earning assets | 1.1169% | 129 |
| Net interest margin | 3.1957% | 4,979 |
| Noninterest income to average assets | 0.3200% | 4,874 |
| Noninterest expense to average assets | 2.2433% | 5,244 |
| Loan and lease loss provision to assets | 0.0790% | 2,766 |
| Net operating income to assets | 0.5767% | 4,555 |
| Return on assets (ROA) | 0.5767% | 4,637 |
| Pretax return on assets | 0.9293% | 3,866 |
| Return on Equity (ROE) | 8.7847% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.7847% | 1,065 |
| Net charge-offs to loans | 0.1468% | 2,322 |
| Credit loss provision to net charge-offs | 84.2391% | 2,519 |
| Earnings coverage of net charge-offs (x) | 10.7553% | 2,507 |
| Efficiency ratio | 68.9909% | 3,679 |
| Assets per employee ($millions) | 10.8372% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 4,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.4089% | 422 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 60.4697% | 3,710 |
| Net loans and leases to deposits | 75.6270% | 3,223 |
| Net loans and leases to core deposits | 77.5604% | 3,575 |
| Total domestic deposits to total assets | 79.9578% | 5,111 |
| Equity capital to assets | 6.6021% | 6,431 |
| Core capital (leverage) ratio | 7.0242% | 6,378 |
| Tier 1 risk-based capital ratio | 11.2450% | 5,893 |
| Total risk-based capital ratio | 12.3878% | 5,893 |
| Memoranda: | ||
| Average total assets | $261,695,750 | 2,436 |
| Average earning assets | $240,067,000 | 2,440 |
| Average equity | $17,181,000 | 3,519 |
| Average total loans | $167,100,750 | 2,366 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 2,803 |
| Cost of funding earning assets | 1.1343% | 125 |
| Net interest margin | 3.1065% | 5,234 |
| Noninterest income to average assets | 0.0889% | 6,320 |
| Noninterest expense to average assets | 2.2373% | 5,320 |
| Loan and lease loss provision to assets | 0.1199% | 2,052 |
| Net operating income to assets | 0.3874% | 5,274 |
| Return on assets (ROA) | 0.3874% | 5,341 |
| Pretax return on assets | 0.5700% | 5,057 |
| Return on Equity (ROE) | 5.9130% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.9130% | 2,371 |
| Net charge-offs to loans | 0.2196% | 1,719 |
| Credit loss provision to net charge-offs | 84.2391% | 2,274 |
| Earnings coverage of net charge-offs (x) | 4.8478% | 3,035 |
| Efficiency ratio | 76.4333% | 2,547 |
| Assets per employee ($millions) | 10.6642% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.3476% | 454 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 63.1905% | 3,209 |
| Net loans and leases to deposits | 82.4289% | 2,203 |
| Net loans and leases to core deposits | 84.9999% | 2,614 |
| Total domestic deposits to total assets | 76.6606% | 5,840 |
| Equity capital to assets | 6.4672% | 6,499 |
| Core capital (leverage) ratio | 6.7672% | 6,465 |
| Tier 1 risk-based capital ratio | 10.3412% | 6,301 |
| Total risk-based capital ratio | 11.4331% | 6,302 |
| Memoranda: | ||
| Average total assets | $258,618,000 | 2,470 |
| Average earning assets | $236,279,000 | 2,478 |
| Average equity | $16,945,670 | 3,549 |
| Average total loans | $167,588,670 | 2,363 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 2,823 |
| Cost of funding earning assets | 1.1402% | 131 |
| Net interest margin | 3.0737% | 5,327 |
| Noninterest income to average assets | 0.1037% | 6,320 |
| Noninterest expense to average assets | 2.2967% | 5,202 |
| Loan and lease loss provision to assets | 0.1964% | 1,192 |
| Net operating income to assets | 0.2576% | 5,641 |
| Return on assets (ROA) | 0.2576% | 5,682 |
| Pretax return on assets | 0.4226% | 5,376 |
| Return on Equity (ROE) | 3.9053% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.9053% | 3,772 |
| Net charge-offs to loans | 0.4427% | 820 |
| Credit loss provision to net charge-offs | 67.9348% | 2,026 |
| Earnings coverage of net charge-offs (x) | 2.1413% | 2,944 |
| Efficiency ratio | 78.7716% | 2,364 |
| Assets per employee ($millions) | 10.0374% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 5,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.9017% | 424 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 62.9433% | 3,080 |
| Net loans and leases to deposits | 85.1586% | 1,708 |
| Net loans and leases to core deposits | 87.5949% | 2,140 |
| Total domestic deposits to total assets | 73.9130% | 6,248 |
| Equity capital to assets | 6.4750% | 6,526 |
| Core capital (leverage) ratio | 6.6252% | 6,527 |
| Tier 1 risk-based capital ratio | 10.1663% | 6,435 |
| Total risk-based capital ratio | 11.2537% | 6,451 |
| Memoranda: | ||
| Average total assets | $254,624,500 | 2,507 |
| Average earning assets | $232,943,000 | 2,514 |
| Average equity | $16,797,500 | 3,577 |
| Average total loans | $166,245,000 | 2,383 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1670% | 3,470 |
| Cost of funding earning assets | 1.1209% | 249 |
| Net interest margin | 3.0460% | 5,458 |
| Noninterest income to average assets | -0.2660% | 6,773 |
| Noninterest expense to average assets | 2.4485% | 4,938 |
| Loan and lease loss provision to assets | 0.0410% | 4,298 |
| Net operating income to assets | 0.0095% | 6,198 |
| Return on assets (ROA) | 0.0103% | 6,237 |
| Pretax return on assets | 0.0287% | 6,188 |
| Return on Equity (ROE) | 0.1478% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.1478% | 5,785 |
| Net charge-offs to loans | 0.3911% | 1,721 |
| Credit loss provision to net charge-offs | 16.8067% | 4,504 |
| Earnings coverage of net charge-offs (x) | 0.2807% | 4,989 |
| Efficiency ratio | 97.2766% | 577 |
| Assets per employee ($millions) | 9.5491% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 5,131 |
| Loan loss allowance to noncurrent loans | 89.4301% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 5.9289% | 328 |
| Noncurrent loans to loans | 1.2334% | 3,075 |
| Net loans and leases to total assets | 66.3020% | 2,647 |
| Net loans and leases to deposits | 90.9629% | 1,158 |
| Net loans and leases to core deposits | 93.2968% | 1,651 |
| Total domestic deposits to total assets | 72.8890% | 6,367 |
| Equity capital to assets | 6.7252% | 6,527 |
| Core capital (leverage) ratio | 6.5264% | 6,595 |
| Tier 1 risk-based capital ratio | 10.0876% | 6,493 |
| Total risk-based capital ratio | 11.2177% | 6,493 |
| Memoranda: | ||
| Average total assets | $243,620,400 | 2,590 |
| Average earning assets | $222,584,800 | 2,590 |
| Average equity | $16,909,800 | 3,574 |
| Average total loans | $152,130,000 | 2,532 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 3,839 |
| Cost of funding earning assets | 1.1119% | 296 |
| Net interest margin | 2.9679% | 5,670 |
| Noninterest income to average assets | 0.0143% | 6,708 |
| Noninterest expense to average assets | 2.4493% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1660% | 6,000 |
| Return on assets (ROA) | 0.1650% | 6,072 |
| Pretax return on assets | 0.2744% | 5,926 |
| Return on Equity (ROE) | 2.3580% | 5,835 |
| Retained earnings to average equity (ytd only) | 2.3580% | 4,917 |
| Net charge-offs to loans | 0.4739% | 1,356 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.9508% | 4,531 |
| Efficiency ratio | 89.8709% | 1,003 |
| Assets per employee ($millions) | 9.5400% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 5,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.4801% | 480 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 63.5347% | 3,072 |
| Net loans and leases to deposits | 89.0295% | 1,265 |
| Net loans and leases to core deposits | 91.2049% | 1,852 |
| Total domestic deposits to total assets | 71.3636% | 6,531 |
| Equity capital to assets | 6.8610% | 6,582 |
| Core capital (leverage) ratio | 6.8589% | 6,615 |
| Tier 1 risk-based capital ratio | 10.4714% | 6,462 |
| Total risk-based capital ratio | 11.6044% | 6,459 |
| Memoranda: | ||
| Average total assets | $242,456,500 | 2,621 |
| Average earning assets | $221,479,000 | 2,614 |
| Average equity | $16,963,000 | 3,610 |
| Average total loans | $148,550,500 | 2,592 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 3,863 |
| Cost of funding earning assets | 1.1288% | 292 |
| Net interest margin | 2.9349% | 5,715 |
| Noninterest income to average assets | 0.0432% | 6,691 |
| Noninterest expense to average assets | 2.4597% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1587% | 6,007 |
| Return on assets (ROA) | 0.1571% | 6,121 |
| Pretax return on assets | 0.2610% | 5,978 |
| Return on Equity (ROE) | 2.2308% | 5,871 |
| Retained earnings to average equity (ytd only) | 2.2308% | 4,853 |
| Net charge-offs to loans | -0.0028% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3236% | 1,037 |
| Assets per employee ($millions) | 10.0596% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 3,306 |
| Loan loss allowance to noncurrent loans | 69.2080% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 6.6441% | 363 |
| Noncurrent loans to loans | 2.2578% | 2,108 |
| Net loans and leases to total assets | 60.8749% | 3,508 |
| Net loans and leases to deposits | 77.2142% | 2,691 |
| Net loans and leases to core deposits | 79.2891% | 3,115 |
| Total domestic deposits to total assets | 78.8391% | 5,829 |
| Equity capital to assets | 7.0037% | 6,603 |
| Core capital (leverage) ratio | 7.0470% | 6,600 |
| Tier 1 risk-based capital ratio | 11.0375% | 6,315 |
| Total risk-based capital ratio | 12.2910% | 6,292 |
| Memoranda: | ||
| Average total assets | $240,595,000 | 2,645 |
| Average earning assets | $219,702,670 | 2,641 |
| Average equity | $16,944,670 | 3,628 |
| Average total loans | $144,935,670 | 2,647 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 4,134 |
| Cost of funding earning assets | 1.1489% | 288 |
| Net interest margin | 2.8468% | 5,924 |
| Noninterest income to average assets | 0.0916% | 6,604 |
| Noninterest expense to average assets | 2.6480% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0217% | 6,306 |
| Return on assets (ROA) | 0.0217% | 6,386 |
| Pretax return on assets | 0.0433% | 6,353 |
| Return on Equity (ROE) | 0.3066% | 6,374 |
| Retained earnings to average equity (ytd only) | 0.3066% | 5,693 |
| Net charge-offs to loans | -0.0028% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3911% | 620 |
| Assets per employee ($millions) | 9.7120% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 3,249 |
| Loan loss allowance to noncurrent loans | 229.7537% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 5.7829% | 572 |
| Noncurrent loans to loans | 0.7126% | 4,700 |
| Net loans and leases to total assets | 57.7018% | 3,813 |
| Net loans and leases to deposits | 74.4488% | 2,863 |
| Net loans and leases to core deposits | 76.7247% | 3,230 |
| Total domestic deposits to total assets | 77.5054% | 6,189 |
| Equity capital to assets | 7.0033% | 6,712 |
| Core capital (leverage) ratio | 7.1502% | 6,598 |
| Tier 1 risk-based capital ratio | 11.2293% | 6,297 |
| Total risk-based capital ratio | 12.4834% | 6,276 |
| Memoranda: | ||
| Average total assets | $240,177,000 | 2,669 |
| Average earning assets | $219,336,000 | 2,669 |
| Average equity | $16,962,500 | 3,681 |
| Average total loans | $142,751,500 | 2,682 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 3,680 |
| Cost of funding earning assets | 1.2548% | 450 |
| Net interest margin | 3.1807% | 5,616 |
| Noninterest income to average assets | -0.0659% | 6,896 |
| Noninterest expense to average assets | 2.5804% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1297% | 5,943 |
| Return on assets (ROA) | 0.1786% | 5,998 |
| Pretax return on assets | 0.2954% | 5,824 |
| Return on Equity (ROE) | 2.6329% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.6329% | 4,381 |
| Net charge-offs to loans | 0.3481% | 2,893 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.1152% | 4,903 |
| Efficiency ratio | 92.1755% | 903 |
| Assets per employee ($millions) | 9.5022% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 3,186 |
| Loan loss allowance to noncurrent loans | 229.2035% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 6.1552% | 551 |
| Noncurrent loans to loans | 0.7108% | 4,765 |
| Net loans and leases to total assets | 59.2455% | 3,739 |
| Net loans and leases to deposits | 73.0559% | 3,244 |
| Net loans and leases to core deposits | 75.6349% | 3,586 |
| Total domestic deposits to total assets | 81.0961% | 5,375 |
| Equity capital to assets | 7.1230% | 6,745 |
| Core capital (leverage) ratio | 6.8500% | 6,742 |
| Tier 1 risk-based capital ratio | 11.1742% | 6,281 |
| Total risk-based capital ratio | 12.4286% | 6,244 |
| Memoranda: | ||
| Average total assets | $247,442,000 | 2,550 |
| Average earning assets | $222,908,000 | 2,588 |
| Average equity | $16,787,400 | 3,658 |
| Average total loans | $139,610,000 | 2,720 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 4,044 |
| Cost of funding earning assets | 1.2691% | 504 |
| Net interest margin | 3.1318% | 5,861 |
| Noninterest income to average assets | -0.1355% | 7,045 |
| Noninterest expense to average assets | 2.3479% | 5,551 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2008% | 5,913 |
| Return on assets (ROA) | 0.2486% | 5,979 |
| Pretax return on assets | 0.4060% | 5,705 |
| Return on Equity (ROE) | 3.7085% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.7085% | 4,278 |
| Net charge-offs to loans | 0.4680% | 2,229 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.2751% | 4,647 |
| Efficiency ratio | 87.6344% | 1,234 |
| Assets per employee ($millions) | 9.6303% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 3,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.7998% | 716 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 56.4759% | 4,375 |
| Net loans and leases to deposits | 68.5403% | 4,089 |
| Net loans and leases to core deposits | 71.1177% | 4,362 |
| Total domestic deposits to total assets | 82.3981% | 4,878 |
| Equity capital to assets | 6.7823% | 6,910 |
| Core capital (leverage) ratio | 6.4600% | 6,892 |
| Tier 1 risk-based capital ratio | 10.9211% | 6,509 |
| Total risk-based capital ratio | 12.1741% | 6,487 |
| Memoranda: | ||
| Average total assets | $249,914,000 | 2,559 |
| Average earning assets | $224,612,750 | 2,593 |
| Average equity | $16,754,000 | 3,698 |
| Average total loans | $138,744,750 | 2,763 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 3,692 |
| Cost of funding earning assets | 1.2896% | 549 |
| Net interest margin | 3.2298% | 5,648 |
| Noninterest income to average assets | -0.0456% | 7,051 |
| Noninterest expense to average assets | 2.4776% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2235% | 5,848 |
| Return on assets (ROA) | 0.2963% | 5,835 |
| Pretax return on assets | 0.4805% | 5,494 |
| Return on Equity (ROE) | 4.4370% | 5,068 |
| Retained earnings to average equity (ytd only) | 4.4370% | 3,649 |
| Net charge-offs to loans | 0.0277% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 24.1053% | 1,231 |
| Efficiency ratio | 87.1059% | 1,329 |
| Assets per employee ($millions) | 10.6715% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 2,319 |
| Loan loss allowance to noncurrent loans | 130.2607% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 6.7763% | 593 |
| Noncurrent loans to loans | 1.5108% | 3,639 |
| Net loans and leases to total assets | 54.4220% | 4,727 |
| Net loans and leases to deposits | 65.8284% | 4,526 |
| Net loans and leases to core deposits | 68.0382% | 4,780 |
| Total domestic deposits to total assets | 82.6726% | 4,883 |
| Equity capital to assets | 6.6064% | 6,967 |
| Core capital (leverage) ratio | 6.5965% | 6,908 |
| Tier 1 risk-based capital ratio | 10.8293% | 6,567 |
| Total risk-based capital ratio | 12.0872% | 6,546 |
| Memoranda: | ||
| Average total assets | $249,756,000 | 2,551 |
| Average earning assets | $223,483,000 | 2,605 |
| Average equity | $16,678,000 | 3,705 |
| Average total loans | $137,080,000 | 2,796 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 4,889 |
| Cost of funding earning assets | 1.3379% | 539 |
| Net interest margin | 2.9222% | 6,453 |
| Noninterest income to average assets | -0.2368% | 7,210 |
| Noninterest expense to average assets | 2.5031% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1026% | 6,542 |
| Return on assets (ROA) | -0.0535% | 6,582 |
| Pretax return on assets | -0.0746% | 6,585 |
| Return on Equity (ROE) | -0.7972% | 6,608 |
| Retained earnings to average equity (ytd only) | -0.7972% | 6,124 |
| Net charge-offs to loans | 0.0446% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -5.8667% | 4,673 |
| Efficiency ratio | 106.0481% | 407 |
| Assets per employee ($millions) | 10.0875% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 2,182 |
| Loan loss allowance to noncurrent loans | 129.6622% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 6.9274% | 628 |
| Noncurrent loans to loans | 1.5927% | 3,730 |
| Net loans and leases to total assets | 52.6919% | 4,919 |
| Net loans and leases to deposits | 64.0726% | 4,625 |
| Net loans and leases to core deposits | 66.2647% | 4,883 |
| Total domestic deposits to total assets | 82.2378% | 5,216 |
| Equity capital to assets | 6.5321% | 7,006 |
| Core capital (leverage) ratio | 6.4141% | 6,981 |
| Tier 1 risk-based capital ratio | 10.9994% | 6,537 |
| Total risk-based capital ratio | 12.2579% | 6,518 |
| Memoranda: | ||
| Average total assets | $246,576,500 | 2,589 |
| Average earning assets | $219,151,500 | 2,661 |
| Average equity | $16,557,000 | 3,723 |
| Average total loans | $134,529,500 | 2,861 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 4,081 |
| Cost of funding earning assets | 1.4734% | 794 |
| Net interest margin | 3.2666% | 5,914 |
| Noninterest income to average assets | 0.1359% | 6,474 |
| Noninterest expense to average assets | 2.8850% | 4,021 |
| Loan and lease loss provision to assets | 0.2418% | 3,789 |
| Net operating income to assets | -0.0593% | 6,118 |
| Return on assets (ROA) | 0.0653% | 6,046 |
| Pretax return on assets | 0.1141% | 5,942 |
| Return on Equity (ROE) | 0.9164% | 5,983 |
| Retained earnings to average equity (ytd only) | 0.9164% | 5,435 |
| Net charge-offs to loans | 0.4360% | 3,257 |
| Credit loss provision to net charge-offs | 91.7355% | 3,934 |
| Earnings coverage of net charge-offs (x) | 0.6116% | 5,364 |
| Efficiency ratio | 94.7082% | 881 |
| Assets per employee ($millions) | 9.6386% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 1,974 |
| Loan loss allowance to noncurrent loans | 45.8198% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 10.0317% | 332 |
| Noncurrent loans to loans | 4.6096% | 1,286 |
| Net loans and leases to total assets | 54.1811% | 5,012 |
| Net loans and leases to deposits | 65.8433% | 4,758 |
| Net loans and leases to core deposits | 68.1071% | 5,016 |
| Total domestic deposits to total assets | 82.2880% | 5,031 |
| Equity capital to assets | 6.9060% | 6,983 |
| Core capital (leverage) ratio | 6.4246% | 6,994 |
| Tier 1 risk-based capital ratio | 10.3029% | 6,769 |
| Total risk-based capital ratio | 11.5609% | 6,739 |
| Memoranda: | ||
| Average total assets | $229,533,400 | 2,728 |
| Average earning assets | $204,495,400 | 2,798 |
| Average equity | $16,368,800 | 3,668 |
| Average total loans | $138,771,600 | 2,811 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 4,108 |
| Cost of funding earning assets | 1.4866% | 914 |
| Net interest margin | 3.2920% | 5,879 |
| Noninterest income to average assets | 0.1200% | 6,662 |
| Noninterest expense to average assets | 2.8951% | 3,955 |
| Loan and lease loss provision to assets | 0.3264% | 2,921 |
| Net operating income to assets | -0.1073% | 6,293 |
| Return on assets (ROA) | 0.0471% | 6,178 |
| Pretax return on assets | 0.0847% | 6,124 |
| Return on Equity (ROE) | 0.6543% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.6543% | 5,752 |
| Net charge-offs to loans | 0.5224% | 2,662 |
| Credit loss provision to net charge-offs | 101.0929% | 3,320 |
| Earnings coverage of net charge-offs (x) | 0.5264% | 5,238 |
| Efficiency ratio | 94.4540% | 892 |
| Assets per employee ($millions) | 9.8561% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1290% | 2,005 |
| Loan loss allowance to noncurrent loans | 63.1486% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 9.1314% | 429 |
| Noncurrent loans to loans | 3.3714% | 2,047 |
| Net loans and leases to total assets | 55.8154% | 4,870 |
| Net loans and leases to deposits | 67.9882% | 4,609 |
| Net loans and leases to core deposits | 69.8333% | 4,965 |
| Total domestic deposits to total assets | 82.0957% | 5,056 |
| Equity capital to assets | 6.9538% | 7,061 |
| Core capital (leverage) ratio | 6.5318% | 7,068 |
| Tier 1 risk-based capital ratio | 10.2855% | 6,864 |
| Total risk-based capital ratio | 11.5439% | 6,847 |
| Memoranda: | ||
| Average total assets | $226,675,250 | 2,773 |
| Average earning assets | $202,787,000 | 2,822 |
| Average equity | $16,300,750 | 3,692 |
| Average total loans | $140,120,750 | 2,808 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 3,832 |
| Cost of funding earning assets | 1.4809% | 1,069 |
| Net interest margin | 3.3764% | 5,621 |
| Noninterest income to average assets | 0.1271% | 6,692 |
| Noninterest expense to average assets | 2.7925% | 4,451 |
| Loan and lease loss provision to assets | 0.4969% | 1,979 |
| Net operating income to assets | -0.1013% | 6,353 |
| Return on assets (ROA) | -0.0304% | 6,330 |
| Pretax return on assets | -0.0412% | 6,309 |
| Return on Equity (ROE) | -0.4184% | 6,349 |
| Retained earnings to average equity (ytd only) | -0.4184% | 5,932 |
| Net charge-offs to loans | 0.5653% | 2,413 |
| Credit loss provision to net charge-offs | 138.4040% | 2,203 |
| Earnings coverage of net charge-offs (x) | 1.0025% | 4,543 |
| Efficiency ratio | 88.5828% | 1,353 |
| Assets per employee ($millions) | 9.4378% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2272% | 1,862 |
| Loan loss allowance to noncurrent loans | 80.1114% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 7.8870% | 599 |
| Noncurrent loans to loans | 2.7801% | 2,622 |
| Net loans and leases to total assets | 56.2080% | 4,960 |
| Net loans and leases to deposits | 68.1465% | 4,684 |
| Net loans and leases to core deposits | 69.9871% | 5,077 |
| Total domestic deposits to total assets | 82.4811% | 4,996 |
| Equity capital to assets | 7.0203% | 7,096 |
| Core capital (leverage) ratio | 6.8260% | 7,049 |
| Tier 1 risk-based capital ratio | 10.2752% | 6,884 |
| Total risk-based capital ratio | 11.5349% | 6,871 |
| Memoranda: | ||
| Average total assets | $223,385,000 | 2,823 |
| Average earning assets | $200,152,000 | 2,872 |
| Average equity | $16,251,330 | 3,689 |
| Average total loans | $141,860,670 | 2,806 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 3,127 |
| Cost of funding earning assets | 1.5141% | 1,110 |
| Net interest margin | 3.4808% | 5,096 |
| Noninterest income to average assets | 0.1198% | 6,815 |
| Noninterest expense to average assets | 2.8945% | 4,082 |
| Loan and lease loss provision to assets | 1.0225% | 741 |
| Net operating income to assets | -0.4336% | 6,761 |
| Return on assets (ROA) | -0.3593% | 6,720 |
| Pretax return on assets | -0.5638% | 6,789 |
| Return on Equity (ROE) | -4.8462% | 6,802 |
| Retained earnings to average equity (ytd only) | -4.8462% | 6,506 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4138% | 1,381 |
| Assets per employee ($millions) | 8.5731% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3921% | 1,617 |
| Loan loss allowance to noncurrent loans | 148.2236% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 7.6318% | 647 |
| Noncurrent loans to loans | 1.6139% | 4,057 |
| Net loans and leases to total assets | 65.1291% | 3,216 |
| Net loans and leases to deposits | 80.5812% | 2,599 |
| Net loans and leases to core deposits | 82.6583% | 3,358 |
| Total domestic deposits to total assets | 80.8243% | 5,713 |
| Equity capital to assets | 7.4671% | 6,883 |
| Core capital (leverage) ratio | 7.0529% | 6,983 |
| Tier 1 risk-based capital ratio | 9.7658% | 7,070 |
| Total risk-based capital ratio | 11.0280% | 7,075 |
| Memoranda: | ||
| Average total assets | $217,105,000 | 2,911 |
| Average earning assets | $194,440,000 | 2,953 |
| Average equity | $16,095,000 | 3,711 |
| Average total loans | $144,970,500 | 2,789 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 4,744 |
| Cost of funding earning assets | 1.5974% | 2,086 |
| Net interest margin | 3.3628% | 5,753 |
| Noninterest income to average assets | 0.0533% | 7,086 |
| Noninterest expense to average assets | 3.2056% | 3,072 |
| Loan and lease loss provision to assets | 0.4359% | 3,509 |
| Net operating income to assets | -0.3678% | 6,283 |
| Return on assets (ROA) | -0.3541% | 6,296 |
| Pretax return on assets | -0.5573% | 6,362 |
| Return on Equity (ROE) | -5.4011% | 6,467 |
| Retained earnings to average equity (ytd only) | -5.4011% | 6,340 |
| Net charge-offs to loans | 0.9274% | 2,329 |
| Credit loss provision to net charge-offs | 72.1121% | 5,809 |
| Earnings coverage of net charge-offs (x) | -0.2365% | 6,308 |
| Efficiency ratio | 104.6675% | 654 |
| Assets per employee ($millions) | 8.7953% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 2,421 |
| Loan loss allowance to noncurrent loans | 124.5545% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 7.4890% | 695 |
| Noncurrent loans to loans | 1.5661% | 4,154 |
| Net loans and leases to total assets | 65.5188% | 3,562 |
| Net loans and leases to deposits | 81.8071% | 2,847 |
| Net loans and leases to core deposits | 83.6385% | 3,646 |
| Total domestic deposits to total assets | 80.0893% | 5,809 |
| Equity capital to assets | 7.3612% | 6,964 |
| Core capital (leverage) ratio | 6.4127% | 7,212 |
| Tier 1 risk-based capital ratio | 9.6280% | 7,098 |
| Total risk-based capital ratio | 10.8849% | 7,102 |
| Memoranda: | ||
| Average total assets | $242,045,200 | 2,617 |
| Average earning assets | $216,604,200 | 2,668 |
| Average equity | $15,867,200 | 3,795 |
| Average total loans | $157,750,000 | 2,648 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 5,064 |
| Cost of funding earning assets | 1.6022% | 2,376 |
| Net interest margin | 3.3411% | 5,879 |
| Noninterest income to average assets | 0.0533% | 7,255 |
| Noninterest expense to average assets | 3.0006% | 3,743 |
| Loan and lease loss provision to assets | 0.4518% | 3,213 |
| Net operating income to assets | -0.2625% | 6,391 |
| Return on assets (ROA) | -0.2601% | 6,440 |
| Pretax return on assets | -0.4082% | 6,500 |
| Return on Equity (ROE) | -4.0790% | 6,572 |
| Retained earnings to average equity (ytd only) | -4.0790% | 6,467 |
| Net charge-offs to loans | 1.1409% | 1,789 |
| Credit loss provision to net charge-offs | 61.1071% | 5,659 |
| Earnings coverage of net charge-offs (x) | 0.0539% | 5,974 |
| Efficiency ratio | 98.6893% | 795 |
| Assets per employee ($millions) | 10.4402% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,701 |
| Loan loss allowance to noncurrent loans | 272.6368% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 6.0086% | 988 |
| Noncurrent loans to loans | 0.6696% | 5,863 |
| Net loans and leases to total assets | 54.2819% | 5,804 |
| Net loans and leases to deposits | 64.3898% | 5,864 |
| Net loans and leases to core deposits | 65.8825% | 6,133 |
| Total domestic deposits to total assets | 84.3021% | 3,961 |
| Equity capital to assets | 5.7496% | 7,514 |
| Core capital (leverage) ratio | 6.4501% | 7,345 |
| Tier 1 risk-based capital ratio | 9.4464% | 7,263 |
| Total risk-based capital ratio | 10.6980% | 7,269 |
| Memoranda: | ||
| Average total assets | $247,586,000 | 2,600 |
| Average earning assets | $221,362,000 | 2,652 |
| Average equity | $15,787,500 | 3,845 |
| Average total loans | $160,455,000 | 2,650 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 4,267 |
| Cost of funding earning assets | 1.6728% | 2,276 |
| Net interest margin | 3.4635% | 5,391 |
| Noninterest income to average assets | 0.0417% | 7,372 |
| Noninterest expense to average assets | 3.3593% | 2,373 |
| Loan and lease loss provision to assets | 0.4582% | 3,029 |
| Net operating income to assets | -0.4178% | 6,585 |
| Return on assets (ROA) | -0.4231% | 6,627 |
| Pretax return on assets | -0.6702% | 6,702 |
| Return on Equity (ROE) | -6.3984% | 6,795 |
| Retained earnings to average equity (ytd only) | -6.3984% | 6,685 |
| Net charge-offs to loans | 0.6113% | 2,699 |
| Credit loss provision to net charge-offs | 109.5808% | 3,719 |
| Earnings coverage of net charge-offs (x) | -0.4870% | 6,012 |
| Efficiency ratio | 106.4533% | 624 |
| Assets per employee ($millions) | 9.0535% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0933% | 1,973 |
| Loan loss allowance to noncurrent loans | 80.3822% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 5.5800% | 1,096 |
| Noncurrent loans to loans | 2.6041% | 3,031 |
| Net loans and leases to total assets | 63.5828% | 4,333 |
| Net loans and leases to deposits | 77.8063% | 4,014 |
| Net loans and leases to core deposits | 80.4473% | 4,644 |
| Total domestic deposits to total assets | 81.7194% | 5,102 |
| Equity capital to assets | 6.3650% | 7,489 |
| Core capital (leverage) ratio | 6.6462% | 7,334 |
| Tier 1 risk-based capital ratio | 9.3153% | 7,331 |
| Total risk-based capital ratio | 10.5702% | 7,326 |
| Memoranda: | ||
| Average total assets | $239,633,330 | 2,705 |
| Average earning assets | $215,448,330 | 2,740 |
| Average equity | $15,847,670 | 3,824 |
| Average total loans | $163,911,670 | 2,638 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 3,731 |
| Cost of funding earning assets | 1.6772% | 2,497 |
| Net interest margin | 3.5833% | 4,800 |
| Noninterest income to average assets | -0.0051% | 7,688 |
| Noninterest expense to average assets | 2.8428% | 4,311 |
| Loan and lease loss provision to assets | 0.4738% | 2,606 |
| Net operating income to assets | -0.0652% | 6,391 |
| Return on assets (ROA) | -0.0641% | 6,472 |
| Pretax return on assets | -0.0995% | 6,469 |
| Return on Equity (ROE) | -0.9505% | 6,518 |
| Retained earnings to average equity (ytd only) | -0.9505% | 6,033 |
| Net charge-offs to loans | 1.1892% | 1,431 |
| Credit loss provision to net charge-offs | 56.7677% | 4,370 |
| Earnings coverage of net charge-offs (x) | 0.4465% | 4,625 |
| Efficiency ratio | 88.4111% | 1,547 |
| Assets per employee ($millions) | 8.8880% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8809% | 2,505 |
| Loan loss allowance to noncurrent loans | 92.3913% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 6.0919% | 974 |
| Noncurrent loans to loans | 2.0358% | 3,734 |
| Net loans and leases to total assets | 66.5192% | 3,742 |
| Net loans and leases to deposits | 81.9809% | 3,286 |
| Net loans and leases to core deposits | 84.9810% | 4,056 |
| Total domestic deposits to total assets | 81.1398% | 5,404 |
| Equity capital to assets | 6.6427% | 7,497 |
| Core capital (leverage) ratio | 6.8275% | 7,339 |
| Tier 1 risk-based capital ratio | 9.2760% | 7,402 |
| Total risk-based capital ratio | 10.5325% | 7,397 |
| Memoranda: | ||
| Average total assets | $237,227,500 | 2,792 |
| Average earning assets | $213,214,000 | 2,830 |
| Average equity | $15,992,000 | 3,826 |
| Average total loans | $166,493,500 | 2,667 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7093% | 3,056 |
| Cost of funding earning assets | 2.2122% | 1,975 |
| Net interest margin | 3.4971% | 4,967 |
| Noninterest income to average assets | 0.0818% | 7,345 |
| Noninterest expense to average assets | 2.4736% | 6,223 |
| Loan and lease loss provision to assets | 1.0500% | 2,187 |
| Net operating income to assets | -0.1045% | 5,689 |
| Return on assets (ROA) | -0.0912% | 5,671 |
| Pretax return on assets | -0.1803% | 5,679 |
| Return on Equity (ROE) | -1.2940% | 5,735 |
| Retained earnings to average equity (ytd only) | -1.2940% | 5,345 |
| Net charge-offs to loans | 0.6312% | 3,314 |
| Credit loss provision to net charge-offs | 216.8889% | 1,752 |
| Earnings coverage of net charge-offs (x) | 1.7538% | 4,413 |
| Efficiency ratio | 74.4463% | 3,800 |
| Assets per employee ($millions) | 8.6844% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 2,208 |
| Loan loss allowance to noncurrent loans | 106.8887% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 4.7765% | 1,319 |
| Noncurrent loans to loans | 1.7986% | 3,935 |
| Net loans and leases to total assets | 71.2315% | 2,946 |
| Net loans and leases to deposits | 88.2384% | 2,520 |
| Net loans and leases to core deposits | 121.6500% | 1,815 |
| Total domestic deposits to total assets | 80.7262% | 5,430 |
| Equity capital to assets | 6.8420% | 7,448 |
| Core capital (leverage) ratio | 6.8575% | 7,338 |
| Tier 1 risk-based capital ratio | 9.1426% | 7,404 |
| Total risk-based capital ratio | 10.3996% | 7,412 |
| Memoranda: | ||
| Average total assets | $232,371,000 | 2,794 |
| Average earning assets | $215,351,800 | 2,762 |
| Average equity | $16,383,800 | 3,807 |
| Average total loans | $178,223,000 | 2,539 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7732% | 3,012 |
| Cost of funding earning assets | 2.3320% | 1,873 |
| Net interest margin | 3.4412% | 5,107 |
| Noninterest income to average assets | 0.0851% | 7,472 |
| Noninterest expense to average assets | 2.3417% | 6,586 |
| Loan and lease loss provision to assets | 0.4601% | 3,612 |
| Net operating income to assets | 0.3329% | 4,666 |
| Return on assets (ROA) | 0.3473% | 4,709 |
| Pretax return on assets | 0.5089% | 4,497 |
| Return on Equity (ROE) | 4.8899% | 4,014 |
| Retained earnings to average equity (ytd only) | 4.8899% | 2,560 |
| Net charge-offs to loans | 0.0917% | 5,770 |
| Credit loss provision to net charge-offs | 645.1613% | 580 |
| Earnings coverage of net charge-offs (x) | 13.2903% | 1,685 |
| Efficiency ratio | 71.1888% | 4,389 |
| Assets per employee ($millions) | 8.1778% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 3,595 |
| Loan loss allowance to noncurrent loans | 35.1896% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 5.5901% | 1,014 |
| Noncurrent loans to loans | 4.1773% | 1,733 |
| Net loans and leases to total assets | 79.9906% | 1,171 |
| Net loans and leases to deposits | 100.9292% | 1,022 |
| Net loans and leases to core deposits | 125.9547% | 1,739 |
| Total domestic deposits to total assets | 79.2542% | 5,710 |
| Equity capital to assets | 7.6508% | 7,193 |
| Core capital (leverage) ratio | 7.9532% | 6,443 |
| Tier 1 risk-based capital ratio | 9.4640% | 7,399 |
| Total risk-based capital ratio | 10.7169% | 7,360 |
| Memoranda: | ||
| Average total assets | $231,844,000 | 2,821 |
| Average earning assets | $215,890,000 | 2,773 |
| Average equity | $16,469,000 | 3,818 |
| Average total loans | $180,204,500 | 2,542 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7828% | 3,125 |
| Cost of funding earning assets | 2.4466% | 1,790 |
| Net interest margin | 3.3363% | 5,414 |
| Noninterest income to average assets | 0.0883% | 7,534 |
| Noninterest expense to average assets | 2.2961% | 6,768 |
| Loan and lease loss provision to assets | 0.5095% | 2,989 |
| Net operating income to assets | 0.2734% | 5,000 |
| Return on assets (ROA) | 0.2734% | 5,102 |
| Pretax return on assets | 0.3872% | 4,967 |
| Return on Equity (ROE) | 3.9442% | 4,518 |
| Retained earnings to average equity (ytd only) | 3.9442% | 3,086 |
| Net charge-offs to loans | 0.0920% | 5,265 |
| Credit loss provision to net charge-offs | 722.8916% | 659 |
| Earnings coverage of net charge-offs (x) | 12.7229% | 1,794 |
| Efficiency ratio | 71.9149% | 4,431 |
| Assets per employee ($millions) | 8.1064% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 3,841 |
| Loan loss allowance to noncurrent loans | 41.4185% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 4.8421% | 1,127 |
| Noncurrent loans to loans | 3.3290% | 2,118 |
| Net loans and leases to total assets | 80.9140% | 1,155 |
| Net loans and leases to deposits | 98.8138% | 1,420 |
| Net loans and leases to core deposits | 118.6896% | 2,483 |
| Total domestic deposits to total assets | 81.8853% | 4,737 |
| Equity capital to assets | 7.5811% | 7,196 |
| Core capital (leverage) ratio | 7.2209% | 7,334 |
| Tier 1 risk-based capital ratio | 9.2432% | 7,574 |
| Total risk-based capital ratio | 10.4948% | 7,567 |
| Memoranda: | ||
| Average total assets | $235,525,000 | 2,799 |
| Average earning assets | $219,165,670 | 2,751 |
| Average equity | $16,327,670 | 3,851 |
| Average total loans | $180,521,000 | 2,567 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6918% | 3,844 |
| Cost of funding earning assets | 2.5184% | 1,852 |
| Net interest margin | 3.1735% | 5,944 |
| Noninterest income to average assets | 0.1476% | 7,241 |
| Noninterest expense to average assets | 2.2276% | 6,776 |
| Loan and lease loss provision to assets | 0.9842% | 1,317 |
| Net operating income to assets | -0.2214% | 6,587 |
| Return on assets (ROA) | -0.2214% | 6,662 |
| Pretax return on assets | -0.1083% | 6,486 |
| Return on Equity (ROE) | -3.3344% | 6,814 |
| Retained earnings to average equity (ytd only) | -3.3344% | 6,334 |
| Net charge-offs to loans | 0.0751% | 4,427 |
| Credit loss provision to net charge-offs | 1,764.7059% | 364 |
| Earnings coverage of net charge-offs (x) | 15.7059% | 1,594 |
| Efficiency ratio | 71.7759% | 4,225 |
| Assets per employee ($millions) | 7.6984% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 3,572 |
| Loan loss allowance to noncurrent loans | 58.2737% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 2.3057% | 2,494 |
| Noncurrent loans to loans | 2.3783% | 2,766 |
| Net loans and leases to total assets | 72.9298% | 3,024 |
| Net loans and leases to deposits | 86.7400% | 3,517 |
| Net loans and leases to core deposits | 102.5984% | 4,280 |
| Total domestic deposits to total assets | 84.0786% | 3,671 |
| Equity capital to assets | 6.5566% | 7,853 |
| Core capital (leverage) ratio | 6.8352% | 7,742 |
| Tier 1 risk-based capital ratio | 9.1259% | 7,722 |
| Total risk-based capital ratio | 10.3779% | 7,728 |
| Memoranda: | ||
| Average total assets | $243,851,500 | 2,726 |
| Average earning assets | $227,132,000 | 2,679 |
| Average equity | $16,195,000 | 3,906 |
| Average total loans | $180,994,500 | 2,583 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0085% | 1,115 |
| Cost of funding earning assets | 3.2980% | 937 |
| Net interest margin | 3.7105% | 4,427 |
| Noninterest income to average assets | 0.1039% | 7,618 |
| Noninterest expense to average assets | 2.2333% | 6,883 |
| Loan and lease loss provision to assets | 0.5004% | 2,811 |
| Net operating income to assets | 0.5100% | 4,683 |
| Return on assets (ROA) | 0.5268% | 4,480 |
| Pretax return on assets | 0.7487% | 4,252 |
| Return on Equity (ROE) | 7.3585% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.3585% | 1,031 |
| Net charge-offs to loans | 0.2983% | 3,399 |
| Credit loss provision to net charge-offs | 221.7573% | 2,157 |
| Earnings coverage of net charge-offs (x) | 5.4289% | 3,649 |
| Efficiency ratio | 64.5782% | 5,429 |
| Assets per employee ($millions) | 7.5423% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,353 |
| Loan loss allowance to noncurrent loans | 44.0423% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 2.3542% | 2,066 |
| Noncurrent loans to loans | 2.4738% | 2,212 |
| Net loans and leases to total assets | 73.6856% | 3,189 |
| Net loans and leases to deposits | 88.1402% | 3,785 |
| Net loans and leases to core deposits | 107.9419% | 3,975 |
| Total domestic deposits to total assets | 83.6005% | 3,531 |
| Equity capital to assets | 6.7278% | 7,864 |
| Core capital (leverage) ratio | 7.3390% | 7,378 |
| Tier 1 risk-based capital ratio | 9.3938% | 7,413 |
| Total risk-based capital ratio | 10.5232% | 7,479 |
| Memoranda: | ||
| Average total assets | $211,835,000 | 2,989 |
| Average earning assets | $191,510,200 | 3,018 |
| Average equity | $15,166,200 | 4,107 |
| Average total loans | $160,262,800 | 2,768 |