Home > First Choice Bank > Performance and Condition Ratios
First Choice 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 | 6.0599% | 1,107 |
| Cost of funding earning assets | 2.5267% | 819 |
| Net interest margin | 3.5332% | 2,226 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 2.8205% | 1,480 |
| Loan and lease loss provision to assets | 0.1400% | 919 |
| Net operating income to assets | 0.7376% | 3,017 |
| Return on assets (ROA) | 0.7376% | 3,017 |
| Pretax return on assets | 0.9287% | 2,899 |
| Return on Equity (ROE) | 9.2000% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.2050% | 1,391 |
| Net charge-offs to loans | 0.0951% | 855 |
| Credit loss provision to net charge-offs | 223.6842% | 852 |
| Earnings coverage of net charge-offs (x) | 17.5526% | 1,477 |
| Efficiency ratio | 72.4835% | 1,568 |
| Assets per employee ($millions) | 5.8281% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,254 |
| Loan loss allowance to noncurrent loans | 226.6007% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3350% | 1,969 |
| Noncurrent loans to loans | 0.5243% | 1,807 |
| Net loans and leases to total assets | 63.1300% | 2,595 |
| Net loans and leases to deposits | 69.3490% | 2,906 |
| Net loans and leases to core deposits | 81.5542% | 2,600 |
| Total domestic deposits to total assets | 91.0400% | 509 |
| Equity capital to assets | 7.9814% | 3,602 |
| Core capital (leverage) ratio | 10.1616% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $498,357,500 | 1,785 |
| Average earning assets | $449,448,000 | 1,818 |
| Average equity | $39,935,000 | 2,033 |
| Average total loans | $319,712,500 | 1,803 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7225% | 1,713 |
| Cost of funding earning assets | 2.5402% | 1,075 |
| Net interest margin | 3.1823% | 2,758 |
| Noninterest income to average assets | 0.7000% | 1,176 |
| Noninterest expense to average assets | 2.6929% | 1,765 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.6887% | 3,007 |
| Return on assets (ROA) | 0.6883% | 3,043 |
| Pretax return on assets | 0.8577% | 2,927 |
| Return on Equity (ROE) | 8.4800% | 2,602 |
| Retained earnings to average equity (ytd only) | 3.2178% | 2,952 |
| Net charge-offs to loans | 0.0586% | 1,542 |
| Credit loss provision to net charge-offs | 145.5621% | 1,442 |
| Earnings coverage of net charge-offs (x) | 26.1183% | 1,630 |
| Efficiency ratio | 74.6584% | 1,480 |
| Assets per employee ($millions) | 5.4983% | 3,297 |
| Cash dividends to net income (ytd only)* | 62.0337% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,071 |
| Loan loss allowance to noncurrent loans | 205.7963% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 1,772 |
| Noncurrent loans to loans | 0.5922% | 1,611 |
| Net loans and leases to total assets | 63.6500% | 2,604 |
| Net loans and leases to deposits | 70.0502% | 2,946 |
| Net loans and leases to core deposits | 82.6061% | 2,586 |
| Total domestic deposits to total assets | 90.8600% | 556 |
| Equity capital to assets | 8.0472% | 3,476 |
| Core capital (leverage) ratio | 10.3300% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $482,899,000 | 1,809 |
| Average earning assets | $440,440,600 | 1,822 |
| Average equity | $39,218,800 | 2,009 |
| Average total loans | $288,301,800 | 1,898 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6214% | 1,861 |
| Cost of funding earning assets | 2.5285% | 1,116 |
| Net interest margin | 3.0929% | 2,920 |
| Noninterest income to average assets | 0.7200% | 1,077 |
| Noninterest expense to average assets | 2.6535% | 1,799 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.6775% | 3,031 |
| Return on assets (ROA) | 0.6760% | 3,062 |
| Pretax return on assets | 0.8376% | 2,950 |
| Return on Equity (ROE) | 8.3000% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.3040% | 1,298 |
| Net charge-offs to loans | 0.0430% | 1,502 |
| Credit loss provision to net charge-offs | 171.4286% | 1,187 |
| Earnings coverage of net charge-offs (x) | 35.3736% | 1,413 |
| Efficiency ratio | 74.9006% | 1,491 |
| Assets per employee ($millions) | 5.5217% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 1,827 |
| Loan loss allowance to noncurrent loans | 200.3704% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 1,622 |
| Noncurrent loans to loans | 0.6365% | 1,521 |
| Net loans and leases to total assets | 60.3300% | 2,901 |
| Net loans and leases to deposits | 67.0372% | 3,183 |
| Net loans and leases to core deposits | 78.8610% | 2,885 |
| Total domestic deposits to total assets | 89.9900% | 594 |
| Equity capital to assets | 8.7710% | 3,193 |
| Core capital (leverage) ratio | 10.5453% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $482,662,250 | 1,807 |
| Average earning assets | $440,617,250 | 1,820 |
| Average equity | $39,289,500 | 2,008 |
| Average total loans | $282,441,500 | 1,910 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 1,984 |
| Cost of funding earning assets | 2.4702% | 1,132 |
| Net interest margin | 3.0258% | 3,003 |
| Noninterest income to average assets | 0.7300% | 1,020 |
| Noninterest expense to average assets | 2.6156% | 1,909 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.6695% | 3,015 |
| Return on assets (ROA) | 0.6695% | 3,042 |
| Pretax return on assets | 0.8240% | 2,946 |
| Return on Equity (ROE) | 8.4400% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.4443% | 1,246 |
| Net charge-offs to loans | 0.0086% | 2,088 |
| Credit loss provision to net charge-offs | 1,000.0000% | 395 |
| Earnings coverage of net charge-offs (x) | 175.3333% | 548 |
| Efficiency ratio | 74.9583% | 1,557 |
| Assets per employee ($millions) | 5.6995% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 1,484 |
| Loan loss allowance to noncurrent loans | 662.4138% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 2,862 |
| Noncurrent loans to loans | 0.2064% | 2,661 |
| Net loans and leases to total assets | 56.5500% | 3,225 |
| Net loans and leases to deposits | 62.1569% | 3,465 |
| Net loans and leases to core deposits | 73.3921% | 3,199 |
| Total domestic deposits to total assets | 90.9800% | 457 |
| Equity capital to assets | 7.8799% | 3,507 |
| Core capital (leverage) ratio | 10.3184% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $481,580,667 | 1,806 |
| Average earning assets | $439,888,667 | 1,819 |
| Average equity | $38,179,667 | 2,018 |
| Average total loans | $277,612,000 | 1,930 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2692% | 2,254 |
| Cost of funding earning assets | 2.2952% | 1,346 |
| Net interest margin | 2.9740% | 3,037 |
| Noninterest income to average assets | 0.7600% | 904 |
| Noninterest expense to average assets | 2.5226% | 2,176 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.7325% | 2,739 |
| Return on assets (ROA) | 0.7325% | 2,755 |
| Pretax return on assets | 0.9085% | 2,641 |
| Return on Equity (ROE) | 9.2100% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.2103% | 1,271 |
| Net charge-offs to loans | 0.0043% | 1,983 |
| Credit loss provision to net charge-offs | 2,000.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 381.3333% | 242 |
| Efficiency ratio | 72.4603% | 1,902 |
| Assets per employee ($millions) | 5.7518% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 1,451 |
| Loan loss allowance to noncurrent loans | 591.4197% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,763 |
| Noncurrent loans to loans | 0.2335% | 2,483 |
| Net loans and leases to total assets | 55.3600% | 3,242 |
| Net loans and leases to deposits | 60.6642% | 3,474 |
| Net loans and leases to core deposits | 70.3976% | 3,313 |
| Total domestic deposits to total assets | 91.2600% | 464 |
| Equity capital to assets | 7.8128% | 3,494 |
| Core capital (leverage) ratio | 10.4301% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $477,293,000 | 1,823 |
| Average earning assets | $437,261,500 | 1,830 |
| Average equity | $37,957,500 | 2,019 |
| Average total loans | $275,911,000 | 1,933 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 1,881 |
| Cost of funding earning assets | 1.8633% | 1,135 |
| Net interest margin | 3.2250% | 2,811 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.6274% | 1,932 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8468% | 2,717 |
| Return on assets (ROA) | 0.8468% | 2,694 |
| Pretax return on assets | 1.0174% | 2,630 |
| Return on Equity (ROE) | 10.4900% | 2,364 |
| Retained earnings to average equity (ytd only) | 3.1113% | 3,242 |
| Net charge-offs to loans | 0.1057% | 871 |
| Credit loss provision to net charge-offs | 49.1228% | 2,196 |
| Earnings coverage of net charge-offs (x) | 16.6702% | 1,996 |
| Efficiency ratio | 71.1507% | 1,741 |
| Assets per employee ($millions) | 5.5438% | 3,211 |
| Cash dividends to net income (ytd only)* | 70.3491% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 1,604 |
| Loan loss allowance to noncurrent loans | 914.4963% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 2,947 |
| Noncurrent loans to loans | 0.1467% | 2,779 |
| Net loans and leases to total assets | 58.7600% | 2,972 |
| Net loans and leases to deposits | 64.5551% | 3,260 |
| Net loans and leases to core deposits | 72.4776% | 3,160 |
| Total domestic deposits to total assets | 91.0200% | 500 |
| Equity capital to assets | 8.0995% | 3,352 |
| Core capital (leverage) ratio | 10.7123% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $453,231,200 | 1,847 |
| Average earning assets | $411,320,400 | 1,875 |
| Average equity | $36,575,800 | 1,997 |
| Average total loans | $269,520,800 | 1,915 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 1,826 |
| Cost of funding earning assets | 1.7241% | 1,141 |
| Net interest margin | 3.2751% | 2,743 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.6064% | 1,920 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8720% | 2,789 |
| Return on assets (ROA) | 0.8720% | 2,775 |
| Pretax return on assets | 1.0829% | 2,618 |
| Return on Equity (ROE) | 10.8200% | 2,422 |
| Retained earnings to average equity (ytd only) | 10.8162% | 1,187 |
| Net charge-offs to loans | 0.0982% | 795 |
| Credit loss provision to net charge-offs | 40.6091% | 1,930 |
| Earnings coverage of net charge-offs (x) | 18.9645% | 1,849 |
| Efficiency ratio | 69.8604% | 1,799 |
| Assets per employee ($millions) | 5.5067% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 1,645 |
| Loan loss allowance to noncurrent loans | 1,241.1960% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,167 |
| Noncurrent loans to loans | 0.1089% | 3,030 |
| Net loans and leases to total assets | 60.3700% | 2,804 |
| Net loans and leases to deposits | 66.2261% | 3,108 |
| Net loans and leases to core deposits | 74.2646% | 2,983 |
| Total domestic deposits to total assets | 91.1500% | 635 |
| Equity capital to assets | 7.7703% | 3,199 |
| Core capital (leverage) ratio | 11.2327% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $450,118,250 | 1,853 |
| Average earning assets | $407,544,750 | 1,885 |
| Average equity | $36,290,250 | 1,992 |
| Average total loans | $267,563,250 | 1,922 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 1,809 |
| Cost of funding earning assets | 1.5632% | 1,139 |
| Net interest margin | 3.3176% | 2,711 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.6021% | 1,925 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9456% | 2,598 |
| Return on assets (ROA) | 0.9456% | 2,587 |
| Pretax return on assets | 1.1409% | 2,535 |
| Return on Equity (ROE) | 11.5900% | 2,277 |
| Retained earnings to average equity (ytd only) | 11.5886% | 1,063 |
| Net charge-offs to loans | 0.1428% | 533 |
| Credit loss provision to net charge-offs | 10.5820% | 1,796 |
| Earnings coverage of net charge-offs (x) | 13.6772% | 1,900 |
| Efficiency ratio | 68.9982% | 1,867 |
| Assets per employee ($millions) | 5.2030% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 1,627 |
| Loan loss allowance to noncurrent loans | 1,414.1221% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,077 |
| Noncurrent loans to loans | 0.0972% | 3,009 |
| Net loans and leases to total assets | 58.7300% | 2,894 |
| Net loans and leases to deposits | 64.6020% | 3,155 |
| Net loans and leases to core deposits | 71.9922% | 3,015 |
| Total domestic deposits to total assets | 90.9100% | 681 |
| Equity capital to assets | 8.1899% | 3,092 |
| Core capital (leverage) ratio | 10.8166% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $449,641,000 | 1,853 |
| Average earning assets | $406,985,000 | 1,888 |
| Average equity | $36,691,333 | 1,991 |
| Average total loans | $264,643,667 | 1,932 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 863 |
| Cost of funding earning assets | 0.6560% | 703 |
| Net interest margin | 3.7555% | 1,251 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 2.7620% | 1,408 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3271% | 1,344 |
| Return on assets (ROA) | 1.3271% | 1,304 |
| Pretax return on assets | 1.6798% | 970 |
| Return on Equity (ROE) | 14.5100% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.5217% | 1,634 |
| Net charge-offs to loans | 0.0560% | 1,096 |
| Credit loss provision to net charge-offs | 111.1111% | 1,502 |
| Earnings coverage of net charge-offs (x) | 53.0074% | 1,320 |
| Efficiency ratio | 60.9178% | 2,921 |
| Assets per employee ($millions) | 4.9380% | 3,724 |
| Cash dividends to net income (ytd only)* | 41.2647% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,171 |
| Loan loss allowance to noncurrent loans | 1,426.8421% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,370 |
| Noncurrent loans to loans | 0.0726% | 3,241 |
| Net loans and leases to total assets | 59.5900% | 2,678 |
| Net loans and leases to deposits | 65.4948% | 2,918 |
| Net loans and leases to core deposits | 72.1145% | 2,716 |
| Total domestic deposits to total assets | 90.9900% | 963 |
| Equity capital to assets | 8.2275% | 2,915 |
| Core capital (leverage) ratio | 11.2036% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $417,085,600 | 1,966 |
| Average earning assets | $378,513,400 | 1,991 |
| Average equity | $38,149,800 | 1,989 |
| Average total loans | $241,206,400 | 1,993 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 710 |
| Cost of funding earning assets | 0.5863% | 466 |
| Net interest margin | 3.7294% | 1,072 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.6710% | 1,528 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2302% | 1,590 |
| Return on assets (ROA) | 1.2302% | 1,564 |
| Pretax return on assets | 1.5245% | 1,343 |
| Return on Equity (ROE) | 13.1000% | 1,670 |
| Retained earnings to average equity (ytd only) | 13.1027% | 592 |
| Net charge-offs to loans | 0.0243% | 1,345 |
| Credit loss provision to net charge-offs | 209.3023% | 958 |
| Earnings coverage of net charge-offs (x) | 111.8372% | 885 |
| Efficiency ratio | 62.4073% | 2,777 |
| Assets per employee ($millions) | 4.9324% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,146 |
| Loan loss allowance to noncurrent loans | 529.5367% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 2,771 |
| Noncurrent loans to loans | 0.2020% | 2,594 |
| Net loans and leases to total assets | 58.4500% | 2,644 |
| Net loans and leases to deposits | 63.8610% | 2,877 |
| Net loans and leases to core deposits | 69.5246% | 2,673 |
| Total domestic deposits to total assets | 91.5300% | 1,039 |
| Equity capital to assets | 7.8585% | 2,984 |
| Core capital (leverage) ratio | 11.6475% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $412,721,500 | 1,991 |
| Average earning assets | $374,318,250 | 2,029 |
| Average equity | $38,749,250 | 1,992 |
| Average total loans | $236,090,750 | 2,020 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 597 |
| Cost of funding earning assets | 0.6054% | 262 |
| Net interest margin | 3.6224% | 1,037 |
| Noninterest income to average assets | 0.6948% | 1,359 |
| Noninterest expense to average assets | 2.6355% | 1,537 |
| Loan and lease loss provision to assets | 0.0296% | 2,058 |
| Net operating income to assets | 1.0808% | 1,853 |
| Return on assets (ROA) | 1.0808% | 1,830 |
| Pretax return on assets | 1.3254% | 1,657 |
| Return on Equity (ROE) | 10.8796% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.8796% | 798 |
| Net charge-offs to loans | -0.0078% | 3,500 |
| Credit loss provision to net charge-offs | -666.6667% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1551% | 2,626 |
| Assets per employee ($millions) | 4.8120% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,919 |
| Loan loss allowance to noncurrent loans | 700.0000% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 3,038 |
| Noncurrent loans to loans | 0.1645% | 2,873 |
| Net loans and leases to total assets | 58.0237% | 2,535 |
| Net loans and leases to deposits | 64.1293% | 2,710 |
| Net loans and leases to core deposits | 69.6531% | 2,509 |
| Total domestic deposits to total assets | 90.4793% | 1,477 |
| Equity capital to assets | 8.9706% | 2,402 |
| Core capital (leverage) ratio | 11.5023% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $405,611,000 | 2,033 |
| Average earning assets | $369,037,667 | 2,065 |
| Average equity | $40,295,667 | 1,981 |
| Average total loans | $229,304,333 | 2,056 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 452 |
| Cost of funding earning assets | 0.6131% | 239 |
| Net interest margin | 3.6720% | 784 |
| Noninterest income to average assets | 0.6863% | 1,361 |
| Noninterest expense to average assets | 2.6610% | 1,448 |
| Loan and lease loss provision to assets | 0.0297% | 1,832 |
| Net operating income to assets | 1.1032% | 1,520 |
| Return on assets (ROA) | 1.1032% | 1,507 |
| Pretax return on assets | 1.3469% | 1,387 |
| Return on Equity (ROE) | 10.5850% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.5850% | 878 |
| Net charge-offs to loans | -0.0339% | 4,132 |
| Credit loss provision to net charge-offs | -157.8947% | 2,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0233% | 2,903 |
| Assets per employee ($millions) | 4.9688% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 2,775 |
| Loan loss allowance to noncurrent loans | 625.2847% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 3,067 |
| Noncurrent loans to loans | 0.1944% | 2,841 |
| Net loans and leases to total assets | 54.0993% | 2,747 |
| Net loans and leases to deposits | 60.1787% | 2,889 |
| Net loans and leases to core deposits | 65.7851% | 2,650 |
| Total domestic deposits to total assets | 89.8979% | 1,621 |
| Equity capital to assets | 9.5207% | 2,263 |
| Core capital (leverage) ratio | 11.3685% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $403,904,500 | 2,039 |
| Average earning assets | $368,623,500 | 2,080 |
| Average equity | $42,097,500 | 1,975 |
| Average total loans | $223,908,500 | 2,083 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 677 |
| Cost of funding earning assets | 0.7095% | 309 |
| Net interest margin | 3.7225% | 1,164 |
| Noninterest income to average assets | 0.6844% | 1,816 |
| Noninterest expense to average assets | 2.5333% | 2,077 |
| Loan and lease loss provision to assets | 0.0623% | 1,821 |
| Net operating income to assets | 1.1896% | 1,952 |
| Return on assets (ROA) | 1.1925% | 2,009 |
| Pretax return on assets | 1.4706% | 1,813 |
| Return on Equity (ROE) | 10.2944% | 2,415 |
| Retained earnings to average equity (ytd only) | 6.5760% | 2,092 |
| Net charge-offs to loans | -0.0080% | 3,672 |
| Credit loss provision to net charge-offs | -1,411.7647% | 3,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4431% | 2,943 |
| Assets per employee ($millions) | 4.9425% | 3,787 |
| Cash dividends to net income (ytd only)* | 36.1202% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,812 |
| Loan loss allowance to noncurrent loans | 670.6468% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 3,226 |
| Noncurrent loans to loans | 0.1811% | 3,037 |
| Net loans and leases to total assets | 55.4541% | 2,688 |
| Net loans and leases to deposits | 63.0798% | 2,778 |
| Net loans and leases to core deposits | 69.6306% | 2,488 |
| Total domestic deposits to total assets | 87.9110% | 2,095 |
| Equity capital to assets | 11.3634% | 1,573 |
| Core capital (leverage) ratio | 11.5130% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,147,600 | 2,040 |
| Average earning assets | $349,527,200 | 2,087 |
| Average equity | $44,616,600 | 1,933 |
| Average total loans | $212,927,400 | 2,148 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 758 |
| Cost of funding earning assets | 0.7392% | 323 |
| Net interest margin | 3.7002% | 1,329 |
| Noninterest income to average assets | 0.6813% | 1,884 |
| Noninterest expense to average assets | 2.4799% | 2,182 |
| Loan and lease loss provision to assets | 0.0732% | 1,579 |
| Net operating income to assets | 1.1525% | 2,356 |
| Return on assets (ROA) | 1.1563% | 2,397 |
| Pretax return on assets | 1.4860% | 2,032 |
| Return on Equity (ROE) | 9.9328% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.9328% | 1,337 |
| Net charge-offs to loans | 0.0127% | 1,861 |
| Credit loss provision to net charge-offs | 1,050.0000% | 503 |
| Earnings coverage of net charge-offs (x) | 223.0000% | 521 |
| Efficiency ratio | 60.5477% | 2,902 |
| Assets per employee ($millions) | 5.0579% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,831 |
| Loan loss allowance to noncurrent loans | 730.2778% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 3,480 |
| Noncurrent loans to loans | 0.1687% | 3,273 |
| Net loans and leases to total assets | 54.1289% | 2,956 |
| Net loans and leases to deposits | 61.9832% | 3,040 |
| Net loans and leases to core deposits | 68.3424% | 2,749 |
| Total domestic deposits to total assets | 87.3284% | 2,200 |
| Equity capital to assets | 11.8207% | 1,482 |
| Core capital (leverage) ratio | 11.6991% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,584,250 | 2,072 |
| Average earning assets | $346,672,750 | 2,120 |
| Average equity | $44,538,000 | 1,964 |
| Average total loans | $210,668,750 | 2,198 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 913 |
| Cost of funding earning assets | 0.7771% | 321 |
| Net interest margin | 3.5795% | 1,637 |
| Noninterest income to average assets | 0.6558% | 1,987 |
| Noninterest expense to average assets | 2.4381% | 2,346 |
| Loan and lease loss provision to assets | 0.0947% | 1,322 |
| Net operating income to assets | 1.0651% | 2,662 |
| Return on assets (ROA) | 1.0655% | 2,734 |
| Pretax return on assets | 1.3574% | 2,445 |
| Return on Equity (ROE) | 9.2011% | 3,040 |
| Retained earnings to average equity (ytd only) | 9.2011% | 1,648 |
| Net charge-offs to loans | 0.0458% | 1,174 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 989 |
| Efficiency ratio | 62.1958% | 2,700 |
| Assets per employee ($millions) | 5.2409% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 3,027 |
| Loan loss allowance to noncurrent loans | 379.2035% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 3,098 |
| Noncurrent loans to loans | 0.3124% | 2,804 |
| Net loans and leases to total assets | 55.3028% | 2,978 |
| Net loans and leases to deposits | 63.3475% | 3,070 |
| Net loans and leases to core deposits | 69.7092% | 2,813 |
| Total domestic deposits to total assets | 87.3007% | 2,170 |
| Equity capital to assets | 11.5759% | 1,586 |
| Core capital (leverage) ratio | 11.2799% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $380,292,000 | 2,077 |
| Average earning assets | $343,571,667 | 2,123 |
| Average equity | $44,038,333 | 1,966 |
| Average total loans | $209,745,000 | 2,210 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 1,418 |
| Cost of funding earning assets | 0.8440% | 289 |
| Net interest margin | 3.2454% | 2,559 |
| Noninterest income to average assets | 0.6682% | 1,962 |
| Noninterest expense to average assets | 2.4455% | 2,340 |
| Loan and lease loss provision to assets | 0.1594% | 797 |
| Net operating income to assets | 0.7810% | 3,480 |
| Return on assets (ROA) | 0.7819% | 3,545 |
| Pretax return on assets | 0.9731% | 3,448 |
| Return on Equity (ROE) | 6.7507% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.7507% | 2,653 |
| Net charge-offs to loans | 0.0524% | 980 |
| Credit loss provision to net charge-offs | 555.5556% | 568 |
| Earnings coverage of net charge-offs (x) | 39.4444% | 982 |
| Efficiency ratio | 68.3695% | 1,883 |
| Assets per employee ($millions) | 5.2574% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,787 |
| Loan loss allowance to noncurrent loans | 271.3983% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 2,919 |
| Noncurrent loans to loans | 0.4517% | 2,500 |
| Net loans and leases to total assets | 53.0568% | 3,342 |
| Net loans and leases to deposits | 60.3406% | 3,455 |
| Net loans and leases to core deposits | 66.1859% | 3,226 |
| Total domestic deposits to total assets | 87.9290% | 1,881 |
| Equity capital to assets | 11.1192% | 1,772 |
| Core capital (leverage) ratio | 11.4905% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,526,500 | 2,075 |
| Average earning assets | $337,458,000 | 2,136 |
| Average equity | $43,610,500 | 1,961 |
| Average total loans | $206,093,500 | 2,235 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 888 |
| Cost of funding earning assets | 0.9975% | 599 |
| Net interest margin | 3.7051% | 1,782 |
| Noninterest income to average assets | 0.7496% | 1,692 |
| Noninterest expense to average assets | 2.6737% | 2,316 |
| Loan and lease loss provision to assets | 0.1500% | 2,497 |
| Net operating income to assets | 1.0383% | 2,148 |
| Return on assets (ROA) | 1.0970% | 2,055 |
| Pretax return on assets | 1.3400% | 1,856 |
| Return on Equity (ROE) | 8.7360% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.7478% | 1,927 |
| Net charge-offs to loans | 0.0453% | 2,160 |
| Credit loss provision to net charge-offs | 557.1429% | 1,169 |
| Earnings coverage of net charge-offs (x) | 52.6703% | 1,152 |
| Efficiency ratio | 65.3384% | 2,629 |
| Assets per employee ($millions) | 4.9864% | 3,408 |
| Cash dividends to net income (ytd only)* | 34.2056% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,941 |
| Loan loss allowance to noncurrent loans | 427.3205% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 3,491 |
| Noncurrent loans to loans | 0.2810% | 3,194 |
| Net loans and leases to total assets | 55.1554% | 3,377 |
| Net loans and leases to deposits | 63.2124% | 3,498 |
| Net loans and leases to core deposits | 68.9445% | 3,337 |
| Total domestic deposits to total assets | 87.2541% | 1,818 |
| Equity capital to assets | 12.0773% | 1,527 |
| Core capital (leverage) ratio | 11.4606% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,918,600 | 2,106 |
| Average earning assets | $304,852,400 | 2,148 |
| Average equity | $42,433,400 | 1,928 |
| Average total loans | $200,843,400 | 2,226 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 949 |
| Cost of funding earning assets | 1.0391% | 664 |
| Net interest margin | 3.7207% | 1,878 |
| Noninterest income to average assets | 0.7286% | 1,709 |
| Noninterest expense to average assets | 2.6598% | 2,364 |
| Loan and lease loss provision to assets | 0.1436% | 2,583 |
| Net operating income to assets | 1.0214% | 2,253 |
| Return on assets (ROA) | 1.0923% | 2,137 |
| Pretax return on assets | 1.3945% | 1,758 |
| Return on Equity (ROE) | 8.6083% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.6083% | 1,108 |
| Net charge-offs to loans | 0.0393% | 2,067 |
| Credit loss provision to net charge-offs | 605.0847% | 1,157 |
| Earnings coverage of net charge-offs (x) | 61.0169% | 1,090 |
| Efficiency ratio | 64.7439% | 2,634 |
| Assets per employee ($millions) | 4.7327% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,016 |
| Loan loss allowance to noncurrent loans | 390.2521% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 3,562 |
| Noncurrent loans to loans | 0.2904% | 3,234 |
| Net loans and leases to total assets | 58.6231% | 3,361 |
| Net loans and leases to deposits | 67.8946% | 3,476 |
| Net loans and leases to core deposits | 74.0768% | 3,317 |
| Total domestic deposits to total assets | 86.3443% | 1,921 |
| Equity capital to assets | 12.8406% | 1,251 |
| Core capital (leverage) ratio | 12.2228% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,396,750 | 2,111 |
| Average earning assets | $301,007,750 | 2,144 |
| Average equity | $42,051,250 | 1,930 |
| Average total loans | $200,252,000 | 2,233 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 1,233 |
| Cost of funding earning assets | 1.0797% | 759 |
| Net interest margin | 3.6930% | 2,189 |
| Noninterest income to average assets | 0.7279% | 1,648 |
| Noninterest expense to average assets | 2.6863% | 2,425 |
| Loan and lease loss provision to assets | 0.1267% | 2,758 |
| Net operating income to assets | 0.9932% | 2,352 |
| Return on assets (ROA) | 1.0425% | 2,308 |
| Pretax return on assets | 1.3297% | 1,936 |
| Return on Equity (ROE) | 8.2508% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.2508% | 1,234 |
| Net charge-offs to loans | 0.0594% | 1,657 |
| Credit loss provision to net charge-offs | 350.8475% | 1,511 |
| Earnings coverage of net charge-offs (x) | 38.5932% | 1,273 |
| Efficiency ratio | 65.8365% | 2,546 |
| Assets per employee ($millions) | 4.7290% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,247 |
| Loan loss allowance to noncurrent loans | 224.1486% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 3,200 |
| Noncurrent loans to loans | 0.4760% | 2,722 |
| Net loans and leases to total assets | 58.3423% | 3,486 |
| Net loans and leases to deposits | 67.3102% | 3,618 |
| Net loans and leases to core deposits | 72.9675% | 3,521 |
| Total domestic deposits to total assets | 86.6767% | 1,740 |
| Equity capital to assets | 12.4328% | 1,411 |
| Core capital (leverage) ratio | 12.1755% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,699,000 | 2,108 |
| Average earning assets | $296,561,667 | 2,146 |
| Average equity | $41,280,667 | 1,947 |
| Average total loans | $198,716,333 | 2,233 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0169% | 935 |
| Cost of funding earning assets | 1.1422% | 924 |
| Net interest margin | 3.8747% | 1,749 |
| Noninterest income to average assets | 0.6137% | 1,979 |
| Noninterest expense to average assets | 2.5592% | 3,104 |
| Loan and lease loss provision to assets | 0.0945% | 2,501 |
| Net operating income to assets | 1.1416% | 1,716 |
| Return on assets (ROA) | 1.1416% | 1,821 |
| Pretax return on assets | 1.4478% | 1,439 |
| Return on Equity (ROE) | 8.9568% | 2,129 |
| Retained earnings to average equity (ytd only) | 8.9568% | 988 |
| Net charge-offs to loans | 0.0489% | 1,521 |
| Credit loss provision to net charge-offs | 312.5000% | 1,143 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 886 |
| Efficiency ratio | 62.3963% | 3,450 |
| Assets per employee ($millions) | 4.4641% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,384 |
| Loan loss allowance to noncurrent loans | 262.8644% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 3,460 |
| Noncurrent loans to loans | 0.4047% | 3,038 |
| Net loans and leases to total assets | 59.1856% | 3,578 |
| Net loans and leases to deposits | 68.2817% | 3,709 |
| Net loans and leases to core deposits | 73.5708% | 3,666 |
| Total domestic deposits to total assets | 86.6785% | 1,703 |
| Equity capital to assets | 12.4957% | 1,735 |
| Core capital (leverage) ratio | 12.7566% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,440,500 | 2,108 |
| Average earning assets | $285,752,000 | 2,159 |
| Average equity | $40,461,000 | 1,972 |
| Average total loans | $196,285,000 | 2,212 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 1,498 |
| Cost of funding earning assets | 1.0279% | 1,607 |
| Net interest margin | 3.9665% | 1,953 |
| Noninterest income to average assets | 0.8788% | 1,221 |
| Noninterest expense to average assets | 2.8868% | 2,332 |
| Loan and lease loss provision to assets | 0.1896% | 1,080 |
| Net operating income to assets | 1.1146% | 2,381 |
| Return on assets (ROA) | 1.1541% | 2,340 |
| Pretax return on assets | 1.4552% | 1,958 |
| Return on Equity (ROE) | 9.0485% | 2,731 |
| Retained earnings to average equity (ytd only) | 4.8928% | 2,476 |
| Net charge-offs to loans | 0.1379% | 1,406 |
| Credit loss provision to net charge-offs | 219.9248% | 1,204 |
| Earnings coverage of net charge-offs (x) | 18.4962% | 2,057 |
| Efficiency ratio | 64.4123% | 3,016 |
| Assets per employee ($millions) | 4.2329% | 3,595 |
| Cash dividends to net income (ytd only)* | 45.9270% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,357 |
| Loan loss allowance to noncurrent loans | 285.7345% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 3,502 |
| Noncurrent loans to loans | 0.3583% | 3,165 |
| Net loans and leases to total assets | 63.3004% | 3,278 |
| Net loans and leases to deposits | 73.4815% | 3,395 |
| Net loans and leases to core deposits | 79.5092% | 3,341 |
| Total domestic deposits to total assets | 86.1447% | 2,012 |
| Equity capital to assets | 13.0100% | 1,513 |
| Core capital (leverage) ratio | 12.8566% | 1,307 |
| Tier 1 risk-based capital ratio | 19.5362% | 1,405 |
| Total risk-based capital ratio | 20.5342% | 1,425 |
| Memoranda: | ||
| Average total assets | $308,472,800 | 2,115 |
| Average earning assets | $280,194,600 | 2,145 |
| Average equity | $39,343,600 | 1,967 |
| Average total loans | $192,920,800 | 2,217 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 1,659 |
| Cost of funding earning assets | 0.9870% | 1,814 |
| Net interest margin | 3.9701% | 2,048 |
| Noninterest income to average assets | 0.9111% | 1,120 |
| Noninterest expense to average assets | 2.8647% | 2,360 |
| Loan and lease loss provision to assets | 0.2076% | 849 |
| Net operating income to assets | 1.1419% | 2,405 |
| Return on assets (ROA) | 1.1446% | 2,478 |
| Pretax return on assets | 1.4512% | 2,114 |
| Return on Equity (ROE) | 9.0195% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.6787% | 1,140 |
| Net charge-offs to loans | 0.1370% | 1,169 |
| Credit loss provision to net charge-offs | 243.6548% | 1,117 |
| Earnings coverage of net charge-offs (x) | 19.4315% | 2,002 |
| Efficiency ratio | 63.3789% | 3,099 |
| Assets per employee ($millions) | 4.2533% | 3,547 |
| Cash dividends to net income (ytd only)* | 3.7779% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,549 |
| Loan loss allowance to noncurrent loans | 251.5190% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 3,273 |
| Noncurrent loans to loans | 0.3990% | 3,113 |
| Net loans and leases to total assets | 63.1220% | 3,374 |
| Net loans and leases to deposits | 73.5221% | 3,517 |
| Net loans and leases to core deposits | 78.8962% | 3,479 |
| Total domestic deposits to total assets | 85.8545% | 2,055 |
| Equity capital to assets | 13.2402% | 1,490 |
| Core capital (leverage) ratio | 12.9983% | 1,344 |
| Tier 1 risk-based capital ratio | 19.7809% | 1,406 |
| Total risk-based capital ratio | 20.7582% | 1,427 |
| Memoranda: | ||
| Average total assets | $308,340,750 | 2,132 |
| Average earning assets | $280,290,750 | 2,157 |
| Average equity | $39,129,250 | 1,983 |
| Average total loans | $191,745,500 | 2,242 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 1,828 |
| Cost of funding earning assets | 0.9014% | 2,132 |
| Net interest margin | 3.9758% | 1,998 |
| Noninterest income to average assets | 0.9128% | 1,054 |
| Noninterest expense to average assets | 2.9250% | 2,209 |
| Loan and lease loss provision to assets | 0.1658% | 1,097 |
| Net operating income to assets | 1.1200% | 2,444 |
| Return on assets (ROA) | 1.1215% | 2,512 |
| Pretax return on assets | 1.4427% | 2,052 |
| Return on Equity (ROE) | 8.9683% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.4484% | 1,225 |
| Net charge-offs to loans | 0.1782% | 918 |
| Credit loss provision to net charge-offs | 150.8876% | 1,481 |
| Earnings coverage of net charge-offs (x) | 14.6213% | 2,025 |
| Efficiency ratio | 64.5481% | 3,049 |
| Assets per employee ($millions) | 4.3256% | 3,400 |
| Cash dividends to net income (ytd only)* | 5.7971% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 3,960 |
| Loan loss allowance to noncurrent loans | 209.3567% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,093 |
| Noncurrent loans to loans | 0.4443% | 2,939 |
| Net loans and leases to total assets | 61.2097% | 3,627 |
| Net loans and leases to deposits | 70.9986% | 3,768 |
| Net loans and leases to core deposits | 76.1123% | 3,716 |
| Total domestic deposits to total assets | 86.2126% | 1,929 |
| Equity capital to assets | 12.8290% | 1,676 |
| Core capital (leverage) ratio | 12.5897% | 1,494 |
| Tier 1 risk-based capital ratio | 19.4391% | 1,450 |
| Total risk-based capital ratio | 20.3248% | 1,498 |
| Memoranda: | ||
| Average total assets | $307,623,000 | 2,134 |
| Average earning assets | $279,997,000 | 2,169 |
| Average equity | $38,469,000 | 2,002 |
| Average total loans | $189,668,330 | 2,263 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 1,836 |
| Cost of funding earning assets | 0.8164% | 2,443 |
| Net interest margin | 4.0086% | 1,833 |
| Noninterest income to average assets | 0.8622% | 1,138 |
| Noninterest expense to average assets | 3.0211% | 1,934 |
| Loan and lease loss provision to assets | 0.1178% | 1,491 |
| Net operating income to assets | 1.0794% | 2,548 |
| Return on assets (ROA) | 1.0794% | 2,594 |
| Pretax return on assets | 1.3660% | 2,210 |
| Return on Equity (ROE) | 8.7473% | 2,923 |
| Retained earnings to average equity (ytd only) | 7.6870% | 1,776 |
| Net charge-offs to loans | 0.1487% | 880 |
| Credit loss provision to net charge-offs | 128.5714% | 1,356 |
| Earnings coverage of net charge-offs (x) | 16.2000% | 1,707 |
| Efficiency ratio | 67.0636% | 2,788 |
| Assets per employee ($millions) | 4.3792% | 3,361 |
| Cash dividends to net income (ytd only)* | 12.1212% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 4,100 |
| Loan loss allowance to noncurrent loans | 181.0924% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 2,724 |
| Noncurrent loans to loans | 0.5054% | 2,795 |
| Net loans and leases to total assets | 59.1914% | 3,769 |
| Net loans and leases to deposits | 68.1573% | 3,913 |
| Net loans and leases to core deposits | 72.6959% | 3,897 |
| Total domestic deposits to total assets | 86.8454% | 1,887 |
| Equity capital to assets | 12.1981% | 1,905 |
| Core capital (leverage) ratio | 12.6705% | 1,421 |
| Tier 1 risk-based capital ratio | 19.3078% | 1,481 |
| Total risk-based capital ratio | 20.1749% | 1,528 |
| Memoranda: | ||
| Average total assets | $305,712,500 | 2,165 |
| Average earning assets | $277,804,500 | 2,194 |
| Average equity | $37,726,000 | 2,027 |
| Average total loans | $188,290,500 | 2,297 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7325% | 1,727 |
| Cost of funding earning assets | 0.6614% | 2,312 |
| Net interest margin | 4.0711% | 1,768 |
| Noninterest income to average assets | 0.8155% | 1,407 |
| Noninterest expense to average assets | 2.9191% | 2,283 |
| Loan and lease loss provision to assets | 0.1181% | 1,862 |
| Net operating income to assets | 1.1705% | 2,309 |
| Return on assets (ROA) | 1.1623% | 2,336 |
| Pretax return on assets | 1.4434% | 1,975 |
| Return on Equity (ROE) | 9.4230% | 2,779 |
| Retained earnings to average equity (ytd only) | 3.4401% | 3,694 |
| Net charge-offs to loans | 0.1405% | 1,354 |
| Credit loss provision to net charge-offs | 138.0392% | 1,948 |
| Earnings coverage of net charge-offs (x) | 18.3725% | 2,136 |
| Efficiency ratio | 65.0034% | 3,023 |
| Assets per employee ($millions) | 4.0016% | 3,891 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,133 |
| Loan loss allowance to noncurrent loans | 192.3251% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 2,647 |
| Noncurrent loans to loans | 0.4707% | 2,864 |
| Net loans and leases to total assets | 62.9878% | 3,467 |
| Net loans and leases to deposits | 72.7179% | 3,607 |
| Net loans and leases to core deposits | 77.9479% | 3,585 |
| Total domestic deposits to total assets | 86.6193% | 1,957 |
| Equity capital to assets | 12.4919% | 1,582 |
| Core capital (leverage) ratio | 12.8048% | 1,320 |
| Tier 1 risk-based capital ratio | 18.8001% | 1,548 |
| Total risk-based capital ratio | 19.6509% | 1,595 |
| Memoranda: | ||
| Average total assets | $298,110,600 | 2,175 |
| Average earning assets | $269,116,600 | 2,201 |
| Average equity | $36,771,800 | 1,995 |
| Average total loans | $181,477,000 | 2,322 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 1,790 |
| Cost of funding earning assets | 0.6398% | 2,211 |
| Net interest margin | 4.0218% | 1,889 |
| Noninterest income to average assets | 0.8122% | 1,431 |
| Noninterest expense to average assets | 2.8411% | 2,497 |
| Loan and lease loss provision to assets | 0.0902% | 2,172 |
| Net operating income to assets | 1.2273% | 2,134 |
| Return on assets (ROA) | 1.2283% | 2,129 |
| Pretax return on assets | 1.5114% | 1,864 |
| Return on Equity (ROE) | 9.9897% | 2,627 |
| Retained earnings to average equity (ytd only) | 9.9897% | 927 |
| Net charge-offs to loans | 0.1394% | 1,170 |
| Credit loss provision to net charge-offs | 107.4468% | 2,145 |
| Earnings coverage of net charge-offs (x) | 19.0639% | 2,024 |
| Efficiency ratio | 63.9690% | 3,191 |
| Assets per employee ($millions) | 4.0762% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,364 |
| Loan loss allowance to noncurrent loans | 171.5344% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 2,706 |
| Noncurrent loans to loans | 0.5092% | 2,860 |
| Net loans and leases to total assets | 61.8257% | 3,674 |
| Net loans and leases to deposits | 71.4053% | 3,817 |
| Net loans and leases to core deposits | 76.6278% | 3,760 |
| Total domestic deposits to total assets | 86.5842% | 1,923 |
| Equity capital to assets | 12.6509% | 1,496 |
| Core capital (leverage) ratio | 13.1646% | 1,223 |
| Tier 1 risk-based capital ratio | 19.8103% | 1,377 |
| Total risk-based capital ratio | 20.6265% | 1,428 |
| Memoranda: | ||
| Average total assets | $298,608,000 | 2,171 |
| Average earning assets | $269,458,250 | 2,215 |
| Average equity | $36,717,000 | 2,000 |
| Average total loans | $179,790,250 | 2,343 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 1,934 |
| Cost of funding earning assets | 0.6227% | 2,088 |
| Net interest margin | 3.9289% | 2,112 |
| Noninterest income to average assets | 0.8035% | 1,466 |
| Noninterest expense to average assets | 2.8847% | 2,394 |
| Loan and lease loss provision to assets | 0.0856% | 2,199 |
| Net operating income to assets | 1.1096% | 2,550 |
| Return on assets (ROA) | 1.1112% | 2,545 |
| Pretax return on assets | 1.3768% | 2,238 |
| Return on Equity (ROE) | 9.1244% | 2,962 |
| Retained earnings to average equity (ytd only) | 9.1244% | 1,175 |
| Net charge-offs to loans | 0.1687% | 923 |
| Credit loss provision to net charge-offs | 85.3333% | 2,209 |
| Earnings coverage of net charge-offs (x) | 14.5533% | 2,091 |
| Efficiency ratio | 66.3895% | 2,911 |
| Assets per employee ($millions) | 4.2295% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 4,482 |
| Loan loss allowance to noncurrent loans | 126.5974% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 2,439 |
| Noncurrent loans to loans | 0.6862% | 2,391 |
| Net loans and leases to total assets | 60.2299% | 3,782 |
| Net loans and leases to deposits | 69.3650% | 3,911 |
| Net loans and leases to core deposits | 77.7326% | 3,596 |
| Total domestic deposits to total assets | 86.8304% | 1,916 |
| Equity capital to assets | 12.3663% | 1,618 |
| Core capital (leverage) ratio | 12.8183% | 1,309 |
| Tier 1 risk-based capital ratio | 19.1410% | 1,518 |
| Total risk-based capital ratio | 19.9341% | 1,595 |
| Memoranda: | ||
| Average total assets | $298,957,670 | 2,177 |
| Average earning assets | $269,490,000 | 2,214 |
| Average equity | $36,408,000 | 2,016 |
| Average total loans | $177,857,330 | 2,369 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,099 |
| Cost of funding earning assets | 0.6030% | 2,043 |
| Net interest margin | 3.8250% | 2,318 |
| Noninterest income to average assets | 0.7952% | 1,473 |
| Noninterest expense to average assets | 2.9032% | 2,359 |
| Loan and lease loss provision to assets | 0.0697% | 2,368 |
| Net operating income to assets | 1.0071% | 2,830 |
| Return on assets (ROA) | 1.0071% | 2,849 |
| Pretax return on assets | 1.2927% | 2,396 |
| Return on Equity (ROE) | 8.3341% | 3,231 |
| Retained earnings to average equity (ytd only) | 8.3341% | 1,720 |
| Net charge-offs to loans | 0.1413% | 969 |
| Credit loss provision to net charge-offs | 83.8710% | 1,707 |
| Earnings coverage of net charge-offs (x) | 16.3871% | 1,628 |
| Efficiency ratio | 68.0604% | 2,825 |
| Assets per employee ($millions) | 4.5518% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 4,415 |
| Loan loss allowance to noncurrent loans | 164.6392% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 2,875 |
| Noncurrent loans to loans | 0.5512% | 2,871 |
| Net loans and leases to total assets | 57.1806% | 4,015 |
| Net loans and leases to deposits | 65.4901% | 4,125 |
| Net loans and leases to core deposits | 73.1153% | 3,877 |
| Total domestic deposits to total assets | 87.3118% | 2,003 |
| Equity capital to assets | 11.8255% | 1,900 |
| Core capital (leverage) ratio | 12.5323% | 1,376 |
| Tier 1 risk-based capital ratio | 19.0667% | 1,537 |
| Total risk-based capital ratio | 19.8821% | 1,620 |
| Memoranda: | ||
| Average total assets | $298,291,000 | 2,201 |
| Average earning assets | $270,638,000 | 2,224 |
| Average equity | $36,044,500 | 2,039 |
| Average total loans | $175,561,000 | 2,409 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,863 |
| Cost of funding earning assets | 0.4124% | 3,131 |
| Net interest margin | 4.0423% | 1,614 |
| Noninterest income to average assets | 0.7071% | 1,933 |
| Noninterest expense to average assets | 2.9264% | 2,369 |
| Loan and lease loss provision to assets | 0.1312% | 1,749 |
| Net operating income to assets | 0.8883% | 2,774 |
| Return on assets (ROA) | 0.8717% | 2,878 |
| Pretax return on assets | 1.3054% | 2,322 |
| Return on Equity (ROE) | 6.7022% | 3,431 |
| Retained earnings to average equity (ytd only) | 1.7942% | 4,242 |
| Net charge-offs to loans | 0.0932% | 2,148 |
| Credit loss provision to net charge-offs | 243.4211% | 1,136 |
| Earnings coverage of net charge-offs (x) | 27.1118% | 1,649 |
| Efficiency ratio | 66.6936% | 3,136 |
| Assets per employee ($millions) | 3.9407% | 4,060 |
| Cash dividends to net income (ytd only)* | 73.2303% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 4,380 |
| Loan loss allowance to noncurrent loans | 151.8904% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5473% | 2,732 |
| Noncurrent loans to loans | 0.6041% | 2,720 |
| Net loans and leases to total assets | 59.5087% | 3,879 |
| Net loans and leases to deposits | 68.5915% | 3,980 |
| Net loans and leases to core deposits | 77.6436% | 3,617 |
| Total domestic deposits to total assets | 86.7581% | 2,107 |
| Equity capital to assets | 12.3537% | 1,604 |
| Core capital (leverage) ratio | 12.6647% | 1,278 |
| Tier 1 risk-based capital ratio | 18.7426% | 1,574 |
| Total risk-based capital ratio | 19.5658% | 1,661 |
| Memoranda: | ||
| Average total assets | $281,984,000 | 2,280 |
| Average earning assets | $256,761,000 | 2,306 |
| Average equity | $36,674,600 | 1,999 |
| Average total loans | $163,059,400 | 2,508 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 1,926 |
| Cost of funding earning assets | 0.3566% | 3,606 |
| Net interest margin | 4.0552% | 1,521 |
| Noninterest income to average assets | 0.6958% | 2,024 |
| Noninterest expense to average assets | 2.9201% | 2,335 |
| Loan and lease loss provision to assets | 0.1431% | 1,475 |
| Net operating income to assets | 0.9754% | 2,660 |
| Return on assets (ROA) | 0.9800% | 2,697 |
| Pretax return on assets | 1.3325% | 2,352 |
| Return on Equity (ROE) | 7.4380% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.4380% | 1,468 |
| Net charge-offs to loans | 0.0733% | 2,085 |
| Credit loss provision to net charge-offs | 340.9091% | 883 |
| Earnings coverage of net charge-offs (x) | 35.0115% | 1,422 |
| Efficiency ratio | 66.5254% | 3,117 |
| Assets per employee ($millions) | 3.9072% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 4,440 |
| Loan loss allowance to noncurrent loans | 185.5156% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 3,116 |
| Noncurrent loans to loans | 0.4998% | 3,200 |
| Net loans and leases to total assets | 59.1648% | 3,951 |
| Net loans and leases to deposits | 68.7935% | 4,054 |
| Net loans and leases to core deposits | 76.7656% | 3,745 |
| Total domestic deposits to total assets | 86.0034% | 2,310 |
| Equity capital to assets | 13.1710% | 1,310 |
| Core capital (leverage) ratio | 13.5505% | 1,008 |
| Tier 1 risk-based capital ratio | 20.6236% | 1,260 |
| Total risk-based capital ratio | 21.4920% | 1,288 |
| Memoranda: | ||
| Average total assets | $279,576,750 | 2,307 |
| Average earning assets | $254,644,500 | 2,336 |
| Average equity | $36,837,000 | 1,996 |
| Average total loans | $160,038,750 | 2,564 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 1,992 |
| Cost of funding earning assets | 0.3228% | 3,860 |
| Net interest margin | 4.0192% | 1,547 |
| Noninterest income to average assets | 0.6751% | 2,100 |
| Noninterest expense to average assets | 2.9133% | 2,381 |
| Loan and lease loss provision to assets | 0.1411% | 1,453 |
| Net operating income to assets | 0.9408% | 2,716 |
| Return on assets (ROA) | 0.9429% | 2,760 |
| Pretax return on assets | 1.2909% | 2,422 |
| Return on Equity (ROE) | 7.1550% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.1550% | 1,515 |
| Net charge-offs to loans | 0.0886% | 1,725 |
| Credit loss provision to net charge-offs | 282.6087% | 999 |
| Earnings coverage of net charge-offs (x) | 28.6232% | 1,499 |
| Efficiency ratio | 67.0888% | 3,166 |
| Assets per employee ($millions) | 4.0356% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,428 |
| Loan loss allowance to noncurrent loans | 162.7282% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 3,138 |
| Noncurrent loans to loans | 0.5826% | 2,983 |
| Net loans and leases to total assets | 57.6803% | 4,067 |
| Net loans and leases to deposits | 67.4360% | 4,117 |
| Net loans and leases to core deposits | 73.6679% | 3,965 |
| Total domestic deposits to total assets | 85.5334% | 2,600 |
| Equity capital to assets | 13.6201% | 1,104 |
| Core capital (leverage) ratio | 13.4840% | 1,002 |
| Tier 1 risk-based capital ratio | 21.5417% | 1,110 |
| Total risk-based capital ratio | 22.4077% | 1,139 |
| Memoranda: | ||
| Average total assets | $276,390,670 | 2,333 |
| Average earning assets | $252,188,330 | 2,367 |
| Average equity | $36,422,000 | 2,009 |
| Average total loans | $155,829,330 | 2,621 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,155 |
| Cost of funding earning assets | 0.3199% | 3,856 |
| Net interest margin | 3.9131% | 1,735 |
| Noninterest income to average assets | 0.6432% | 2,211 |
| Noninterest expense to average assets | 2.9087% | 2,434 |
| Loan and lease loss provision to assets | 0.1298% | 1,481 |
| Net operating income to assets | 0.8422% | 3,030 |
| Return on assets (ROA) | 0.8422% | 3,076 |
| Pretax return on assets | 1.1508% | 2,776 |
| Return on Equity (ROE) | 6.4988% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.4988% | 2,081 |
| Net charge-offs to loans | 0.0624% | 1,707 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,084 |
| Efficiency ratio | 69.4320% | 2,979 |
| Assets per employee ($millions) | 4.1998% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 4,598 |
| Loan loss allowance to noncurrent loans | 136.7136% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6012% | 2,843 |
| Noncurrent loans to loans | 0.6882% | 2,780 |
| Net loans and leases to total assets | 53.6765% | 4,364 |
| Net loans and leases to deposits | 62.1187% | 4,426 |
| Net loans and leases to core deposits | 67.4877% | 4,327 |
| Total domestic deposits to total assets | 86.4096% | 2,492 |
| Equity capital to assets | 12.7333% | 1,385 |
| Core capital (leverage) ratio | 13.2920% | 1,038 |
| Tier 1 risk-based capital ratio | 21.2637% | 1,181 |
| Total risk-based capital ratio | 22.1012% | 1,216 |
| Memoranda: | ||
| Average total assets | $277,377,000 | 2,346 |
| Average earning assets | $251,359,000 | 2,388 |
| Average equity | $35,945,000 | 2,033 |
| Average total loans | $153,844,000 | 2,653 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 2,603 |
| Cost of funding earning assets | 0.3377% | 3,659 |
| Net interest margin | 3.8281% | 2,220 |
| Noninterest income to average assets | 0.7340% | 2,024 |
| Noninterest expense to average assets | 2.9327% | 2,554 |
| Loan and lease loss provision to assets | 0.1269% | 1,956 |
| Net operating income to assets | 0.8624% | 3,015 |
| Return on assets (ROA) | 0.8969% | 2,963 |
| Pretax return on assets | 1.1889% | 2,724 |
| Return on Equity (ROE) | 6.7169% | 3,633 |
| Retained earnings to average equity (ytd only) | 2.0903% | 4,347 |
| Net charge-offs to loans | 0.1645% | 1,641 |
| Credit loss provision to net charge-offs | 153.3333% | 1,785 |
| Earnings coverage of net charge-offs (x) | 15.3467% | 2,208 |
| Efficiency ratio | 69.7847% | 2,940 |
| Assets per employee ($millions) | 3.9584% | 4,047 |
| Cash dividends to net income (ytd only)* | 68.8807% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 4,755 |
| Loan loss allowance to noncurrent loans | 140.0202% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 2,898 |
| Noncurrent loans to loans | 0.6486% | 2,912 |
| Net loans and leases to total assets | 56.3032% | 4,239 |
| Net loans and leases to deposits | 65.5768% | 4,281 |
| Net loans and leases to core deposits | 71.9706% | 4,086 |
| Total domestic deposits to total assets | 85.8584% | 2,653 |
| Equity capital to assets | 13.1983% | 1,176 |
| Core capital (leverage) ratio | 13.5820% | 941 |
| Tier 1 risk-based capital ratio | 21.5196% | 1,137 |
| Total risk-based capital ratio | 22.3410% | 1,176 |
| Memoranda: | ||
| Average total assets | $271,931,000 | 2,347 |
| Average earning assets | $246,390,600 | 2,386 |
| Average equity | $36,311,400 | 2,009 |
| Average total loans | $136,778,200 | 2,818 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 2,781 |
| Cost of funding earning assets | 0.3412% | 3,643 |
| Net interest margin | 3.7848% | 2,387 |
| Noninterest income to average assets | 0.7150% | 2,105 |
| Noninterest expense to average assets | 2.8566% | 2,798 |
| Loan and lease loss provision to assets | 0.1247% | 1,868 |
| Net operating income to assets | 0.8518% | 3,141 |
| Return on assets (ROA) | 0.8965% | 3,061 |
| Pretax return on assets | 1.2285% | 2,713 |
| Return on Equity (ROE) | 6.6943% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.2560% | 2,030 |
| Net charge-offs to loans | 0.1477% | 1,516 |
| Credit loss provision to net charge-offs | 173.4694% | 1,607 |
| Earnings coverage of net charge-offs (x) | 17.9723% | 2,024 |
| Efficiency ratio | 68.8554% | 3,068 |
| Assets per employee ($millions) | 4.1406% | 3,710 |
| Cash dividends to net income (ytd only)* | 6.5468% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,587 |
| Loan loss allowance to noncurrent loans | 170.2101% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 3,211 |
| Noncurrent loans to loans | 0.5674% | 3,300 |
| Net loans and leases to total assets | 52.4647% | 4,619 |
| Net loans and leases to deposits | 61.7377% | 4,645 |
| Net loans and leases to core deposits | 67.9110% | 4,475 |
| Total domestic deposits to total assets | 84.9800% | 2,816 |
| Equity capital to assets | 13.9659% | 1,048 |
| Core capital (leverage) ratio | 13.5825% | 970 |
| Tier 1 risk-based capital ratio | 23.1089% | 995 |
| Total risk-based capital ratio | 23.9755% | 1,027 |
| Memoranda: | ||
| Average total assets | $272,621,000 | 2,348 |
| Average earning assets | $247,334,000 | 2,392 |
| Average equity | $36,507,750 | 2,008 |
| Average total loans | $132,737,500 | 2,892 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 2,955 |
| Cost of funding earning assets | 0.3429% | 3,642 |
| Net interest margin | 3.7358% | 2,567 |
| Noninterest income to average assets | 0.7122% | 2,082 |
| Noninterest expense to average assets | 2.8512% | 2,841 |
| Loan and lease loss provision to assets | 0.1205% | 1,890 |
| Net operating income to assets | 0.8437% | 3,117 |
| Return on assets (ROA) | 0.8678% | 3,130 |
| Pretax return on assets | 1.1630% | 2,933 |
| Return on Equity (ROE) | 6.5730% | 3,767 |
| Retained earnings to average equity (ytd only) | 5.9091% | 2,173 |
| Net charge-offs to loans | 0.1669% | 1,336 |
| Credit loss provision to net charge-offs | 152.7778% | 1,569 |
| Earnings coverage of net charge-offs (x) | 15.8611% | 1,965 |
| Efficiency ratio | 69.4979% | 3,057 |
| Assets per employee ($millions) | 4.2295% | 3,505 |
| Cash dividends to net income (ytd only)* | 10.1010% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 4,596 |
| Loan loss allowance to noncurrent loans | 164.3123% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 3,366 |
| Noncurrent loans to loans | 0.5989% | 3,268 |
| Net loans and leases to total assets | 48.5285% | 4,946 |
| Net loans and leases to deposits | 56.7650% | 4,965 |
| Net loans and leases to core deposits | 62.5773% | 4,848 |
| Total domestic deposits to total assets | 85.4902% | 2,648 |
| Equity capital to assets | 13.4797% | 1,248 |
| Core capital (leverage) ratio | 12.9607% | 1,163 |
| Tier 1 risk-based capital ratio | 23.0109% | 1,016 |
| Total risk-based capital ratio | 23.8571% | 1,045 |
| Memoranda: | ||
| Average total assets | $273,781,000 | 2,340 |
| Average earning assets | $248,461,000 | 2,395 |
| Average equity | $36,147,670 | 2,030 |
| Average total loans | $129,456,330 | 2,937 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,262 |
| Cost of funding earning assets | 0.3398% | 3,720 |
| Net interest margin | 3.6487% | 2,892 |
| Noninterest income to average assets | 0.7115% | 1,982 |
| Noninterest expense to average assets | 2.8622% | 2,840 |
| Loan and lease loss provision to assets | 0.1098% | 1,894 |
| Net operating income to assets | 0.7914% | 3,293 |
| Return on assets (ROA) | 0.7891% | 3,405 |
| Pretax return on assets | 1.0380% | 3,330 |
| Return on Equity (ROE) | 6.0405% | 3,968 |
| Retained earnings to average equity (ytd only) | 4.6957% | 3,125 |
| Net charge-offs to loans | 0.1640% | 1,150 |
| Credit loss provision to net charge-offs | 144.2308% | 1,303 |
| Earnings coverage of net charge-offs (x) | 15.1154% | 1,672 |
| Efficiency ratio | 71.3243% | 2,899 |
| Assets per employee ($millions) | 4.3441% | 3,338 |
| Cash dividends to net income (ytd only)* | 22.2635% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 4,543 |
| Loan loss allowance to noncurrent loans | 127.2638% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 3,028 |
| Noncurrent loans to loans | 0.7937% | 2,851 |
| Net loans and leases to total assets | 44.8750% | 5,200 |
| Net loans and leases to deposits | 52.0842% | 5,225 |
| Net loans and leases to core deposits | 57.2145% | 5,082 |
| Total domestic deposits to total assets | 86.1585% | 2,604 |
| Equity capital to assets | 12.7730% | 1,524 |
| Core capital (leverage) ratio | 13.2285% | 1,070 |
| Tier 1 risk-based capital ratio | 24.1232% | 904 |
| Total risk-based capital ratio | 24.9885% | 932 |
| Memoranda: | ||
| Average total assets | $273,213,000 | 2,361 |
| Average earning assets | $247,213,500 | 2,412 |
| Average equity | $35,692,500 | 2,049 |
| Average total loans | $126,815,000 | 2,988 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 3,620 |
| Cost of funding earning assets | 0.3803% | 3,364 |
| Net interest margin | 3.5440% | 3,354 |
| Noninterest income to average assets | 0.7251% | 2,091 |
| Noninterest expense to average assets | 3.0476% | 2,390 |
| Loan and lease loss provision to assets | 0.0677% | 2,939 |
| Net operating income to assets | 0.6737% | 3,934 |
| Return on assets (ROA) | 0.6773% | 4,015 |
| Pretax return on assets | 0.8403% | 4,063 |
| Return on Equity (ROE) | 5.0888% | 4,463 |
| Retained earnings to average equity (ytd only) | 2.1203% | 4,514 |
| Net charge-offs to loans | 0.1088% | 2,292 |
| Credit loss provision to net charge-offs | 141.7323% | 1,854 |
| Earnings coverage of net charge-offs (x) | 18.9055% | 1,981 |
| Efficiency ratio | 77.1333% | 2,098 |
| Assets per employee ($millions) | 3.9411% | 4,042 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 4,544 |
| Loan loss allowance to noncurrent loans | 128.1818% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 3,228 |
| Noncurrent loans to loans | 0.7881% | 2,816 |
| Net loans and leases to total assets | 47.0940% | 5,084 |
| Net loans and leases to deposits | 55.1151% | 5,105 |
| Net loans and leases to core deposits | 60.7015% | 4,938 |
| Total domestic deposits to total assets | 85.4467% | 2,885 |
| Equity capital to assets | 13.3751% | 1,174 |
| Core capital (leverage) ratio | 13.5688% | 942 |
| Tier 1 risk-based capital ratio | 24.4113% | 872 |
| Total risk-based capital ratio | 25.2808% | 912 |
| Memoranda: | ||
| Average total assets | $265,748,400 | 2,377 |
| Average earning assets | $241,898,400 | 2,407 |
| Average equity | $35,372,000 | 2,014 |
| Average total loans | $116,735,200 | 3,098 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8684% | 3,859 |
| Cost of funding earning assets | 0.3874% | 3,361 |
| Net interest margin | 3.4809% | 3,623 |
| Noninterest income to average assets | 0.7243% | 2,132 |
| Noninterest expense to average assets | 2.9434% | 2,695 |
| Loan and lease loss provision to assets | 0.0676% | 2,825 |
| Net operating income to assets | 0.6921% | 3,936 |
| Return on assets (ROA) | 0.6953% | 4,028 |
| Pretax return on assets | 0.8946% | 3,997 |
| Return on Equity (ROE) | 5.2299% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.2299% | 2,761 |
| Net charge-offs to loans | 0.0990% | 2,163 |
| Credit loss provision to net charge-offs | 158.8235% | 1,608 |
| Earnings coverage of net charge-offs (x) | 22.5060% | 1,775 |
| Efficiency ratio | 75.4397% | 2,329 |
| Assets per employee ($millions) | 3.8896% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 4,489 |
| Loan loss allowance to noncurrent loans | 109.2321% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 3,317 |
| Noncurrent loans to loans | 0.9585% | 2,586 |
| Net loans and leases to total assets | 45.2409% | 5,276 |
| Net loans and leases to deposits | 53.1568% | 5,305 |
| Net loans and leases to core deposits | 59.3253% | 5,112 |
| Total domestic deposits to total assets | 85.1084% | 2,965 |
| Equity capital to assets | 13.7249% | 1,133 |
| Core capital (leverage) ratio | 13.6709% | 953 |
| Tier 1 risk-based capital ratio | 25.9545% | 767 |
| Total risk-based capital ratio | 26.8606% | 787 |
| Memoranda: | ||
| Average total assets | $266,171,250 | 2,394 |
| Average earning assets | $242,956,750 | 2,413 |
| Average equity | $35,385,500 | 2,022 |
| Average total loans | $114,513,000 | 3,157 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 4,079 |
| Cost of funding earning assets | 0.3869% | 3,405 |
| Net interest margin | 3.4101% | 3,876 |
| Noninterest income to average assets | 0.6958% | 2,228 |
| Noninterest expense to average assets | 2.8583% | 3,037 |
| Loan and lease loss provision to assets | 0.1012% | 2,142 |
| Net operating income to assets | 0.6701% | 4,034 |
| Return on assets (ROA) | 0.6748% | 4,116 |
| Pretax return on assets | 0.8548% | 4,110 |
| Return on Equity (ROE) | 5.1311% | 4,559 |
| Retained earnings to average equity (ytd only) | 5.1311% | 2,778 |
| Net charge-offs to loans | 0.0374% | 2,934 |
| Credit loss provision to net charge-offs | 642.8571% | 521 |
| Earnings coverage of net charge-offs (x) | 60.3333% | 839 |
| Efficiency ratio | 75.0541% | 2,528 |
| Assets per employee ($millions) | 3.9595% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 4,044 |
| Loan loss allowance to noncurrent loans | 92.1053% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 3,074 |
| Noncurrent loans to loans | 1.2561% | 2,146 |
| Net loans and leases to total assets | 42.8322% | 5,446 |
| Net loans and leases to deposits | 50.1487% | 5,497 |
| Net loans and leases to core deposits | 55.7736% | 5,325 |
| Total domestic deposits to total assets | 85.4104% | 2,966 |
| Equity capital to assets | 13.3864% | 1,221 |
| Core capital (leverage) ratio | 13.1905% | 1,096 |
| Tier 1 risk-based capital ratio | 27.3414% | 686 |
| Total risk-based capital ratio | 28.3579% | 685 |
| Memoranda: | ||
| Average total assets | $266,731,330 | 2,400 |
| Average earning assets | $243,453,670 | 2,432 |
| Average equity | $35,080,330 | 2,046 |
| Average total loans | $112,376,000 | 3,199 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 4,193 |
| Cost of funding earning assets | 0.3915% | 3,393 |
| Net interest margin | 3.3600% | 3,989 |
| Noninterest income to average assets | 0.6969% | 2,173 |
| Noninterest expense to average assets | 2.8566% | 3,042 |
| Loan and lease loss provision to assets | 0.1346% | 1,538 |
| Net operating income to assets | 0.6256% | 4,170 |
| Return on assets (ROA) | 0.6341% | 4,244 |
| Pretax return on assets | 0.7837% | 4,298 |
| Return on Equity (ROE) | 4.8645% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.8645% | 3,132 |
| Net charge-offs to loans | -0.0288% | 5,224 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8840% | 2,535 |
| Assets per employee ($millions) | 4.0837% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 4,013 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 3,423 |
| Noncurrent loans to loans | 1.1950% | 2,385 |
| Net loans and leases to total assets | 39.1543% | 5,650 |
| Net loans and leases to deposits | 45.4704% | 5,680 |
| Net loans and leases to core deposits | 50.4878% | 5,569 |
| Total domestic deposits to total assets | 86.1094% | 2,880 |
| Equity capital to assets | 12.7257% | 1,553 |
| Core capital (leverage) ratio | 13.1266% | 1,114 |
| Tier 1 risk-based capital ratio | 26.7567% | 733 |
| Total risk-based capital ratio | 27.7534% | 735 |
| Memoranda: | ||
| Average total assets | $267,455,000 | 2,406 |
| Average earning assets | $244,164,500 | 2,438 |
| Average equity | $34,864,500 | 2,074 |
| Average total loans | $111,085,500 | 3,247 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 4,371 |
| Cost of funding earning assets | 0.4221% | 3,456 |
| Net interest margin | 3.4144% | 4,137 |
| Noninterest income to average assets | 0.8395% | 1,715 |
| Noninterest expense to average assets | 2.9509% | 2,997 |
| Loan and lease loss provision to assets | 0.0862% | 2,748 |
| Net operating income to assets | 0.7308% | 3,728 |
| Return on assets (ROA) | 0.7392% | 3,790 |
| Pretax return on assets | 0.9081% | 3,874 |
| Return on Equity (ROE) | 5.6891% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.7768% | 4,267 |
| Net charge-offs to loans | 0.2166% | 1,935 |
| Credit loss provision to net charge-offs | 96.1538% | 2,514 |
| Earnings coverage of net charge-offs (x) | 10.9786% | 2,562 |
| Efficiency ratio | 74.9951% | 2,667 |
| Assets per employee ($millions) | 3.7826% | 4,374 |
| Cash dividends to net income (ytd only)* | 51.1917% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 4,618 |
| Loan loss allowance to noncurrent loans | 90.2747% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 3,308 |
| Noncurrent loans to loans | 1.2013% | 2,445 |
| Net loans and leases to total assets | 43.1197% | 5,527 |
| Net loans and leases to deposits | 50.5209% | 5,558 |
| Net loans and leases to core deposits | 56.4128% | 5,356 |
| Total domestic deposits to total assets | 85.3502% | 3,140 |
| Equity capital to assets | 13.3703% | 1,205 |
| Core capital (leverage) ratio | 13.5068% | 966 |
| Tier 1 risk-based capital ratio | 26.4518% | 726 |
| Total risk-based capital ratio | 27.3740% | 734 |
| Memoranda: | ||
| Average total assets | $261,107,200 | 2,417 |
| Average earning assets | $236,701,000 | 2,451 |
| Average equity | $33,924,400 | 2,058 |
| Average total loans | $108,024,000 | 3,267 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 4,483 |
| Cost of funding earning assets | 0.4259% | 3,513 |
| Net interest margin | 3.3912% | 4,275 |
| Noninterest income to average assets | 0.8292% | 1,779 |
| Noninterest expense to average assets | 2.9029% | 3,103 |
| Loan and lease loss provision to assets | 0.1145% | 2,144 |
| Net operating income to assets | 0.7107% | 3,885 |
| Return on assets (ROA) | 0.7194% | 3,948 |
| Pretax return on assets | 0.8933% | 4,017 |
| Return on Equity (ROE) | 5.5765% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.5765% | 2,685 |
| Net charge-offs to loans | 0.1969% | 1,899 |
| Credit loss provision to net charge-offs | 142.4051% | 1,656 |
| Earnings coverage of net charge-offs (x) | 12.4052% | 2,321 |
| Efficiency ratio | 74.4326% | 2,754 |
| Assets per employee ($millions) | 3.7491% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 4,371 |
| Loan loss allowance to noncurrent loans | 91.6962% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 3,492 |
| Noncurrent loans to loans | 1.2784% | 2,503 |
| Net loans and leases to total assets | 42.1066% | 5,661 |
| Net loans and leases to deposits | 49.4029% | 5,680 |
| Net loans and leases to core deposits | 55.0998% | 5,496 |
| Total domestic deposits to total assets | 85.2311% | 3,248 |
| Equity capital to assets | 13.4178% | 1,224 |
| Core capital (leverage) ratio | 13.5061% | 994 |
| Tier 1 risk-based capital ratio | 27.1025% | 700 |
| Total risk-based capital ratio | 28.0930% | 700 |
| Memoranda: | ||
| Average total assets | $262,079,250 | 2,430 |
| Average earning assets | $237,311,000 | 2,467 |
| Average equity | $33,807,750 | 2,064 |
| Average total loans | $106,998,000 | 3,304 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,636 |
| Cost of funding earning assets | 0.4288% | 3,565 |
| Net interest margin | 3.3372% | 4,449 |
| Noninterest income to average assets | 0.8024% | 1,830 |
| Noninterest expense to average assets | 2.8943% | 3,184 |
| Loan and lease loss provision to assets | 0.0760% | 2,752 |
| Net operating income to assets | 0.6842% | 3,922 |
| Return on assets (ROA) | 0.6945% | 3,961 |
| Pretax return on assets | 0.8670% | 4,007 |
| Return on Equity (ROE) | 5.4556% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.4556% | 2,666 |
| Net charge-offs to loans | 0.2322% | 1,650 |
| Credit loss provision to net charge-offs | 81.3008% | 2,313 |
| Earnings coverage of net charge-offs (x) | 9.9512% | 2,298 |
| Efficiency ratio | 75.6805% | 2,696 |
| Assets per employee ($millions) | 3.8269% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 4,807 |
| Loan loss allowance to noncurrent loans | 72.5407% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 3,465 |
| Noncurrent loans to loans | 1.5463% | 2,239 |
| Net loans and leases to total assets | 40.1263% | 5,804 |
| Net loans and leases to deposits | 46.8198% | 5,837 |
| Net loans and leases to core deposits | 52.1183% | 5,661 |
| Total domestic deposits to total assets | 85.7037% | 3,191 |
| Equity capital to assets | 13.0095% | 1,366 |
| Core capital (leverage) ratio | 12.9230% | 1,183 |
| Tier 1 risk-based capital ratio | 26.7150% | 719 |
| Total risk-based capital ratio | 27.6364% | 722 |
| Memoranda: | ||
| Average total assets | $263,210,330 | 2,425 |
| Average earning assets | $238,345,000 | 2,464 |
| Average equity | $33,507,000 | 2,066 |
| Average total loans | $105,925,330 | 3,336 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 4,769 |
| Cost of funding earning assets | 0.4304% | 3,646 |
| Net interest margin | 3.2920% | 4,576 |
| Noninterest income to average assets | 0.8006% | 1,745 |
| Noninterest expense to average assets | 2.9484% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6729% | 3,831 |
| Return on assets (ROA) | 0.6865% | 3,833 |
| Pretax return on assets | 0.8494% | 3,905 |
| Return on Equity (ROE) | 5.4527% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.4527% | 2,813 |
| Net charge-offs to loans | 0.3267% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.3605% | 2,229 |
| Efficiency ratio | 77.9791% | 2,477 |
| Assets per employee ($millions) | 3.8468% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 5,179 |
| Loan loss allowance to noncurrent loans | 65.0114% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 3,932 |
| Noncurrent loans to loans | 1.6694% | 2,323 |
| Net loans and leases to total assets | 38.0082% | 5,943 |
| Net loans and leases to deposits | 43.9505% | 5,978 |
| Net loans and leases to core deposits | 49.2897% | 5,806 |
| Total domestic deposits to total assets | 86.4794% | 3,122 |
| Equity capital to assets | 12.2571% | 1,711 |
| Core capital (leverage) ratio | 13.1994% | 1,087 |
| Tier 1 risk-based capital ratio | 26.9039% | 717 |
| Total risk-based capital ratio | 27.7951% | 732 |
| Memoranda: | ||
| Average total assets | $262,788,500 | 2,438 |
| Average earning assets | $237,911,500 | 2,471 |
| Average equity | $33,084,500 | 2,082 |
| Average total loans | $105,309,500 | 3,362 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 4,575 |
| Cost of funding earning assets | 0.4787% | 3,828 |
| Net interest margin | 3.3911% | 4,311 |
| Noninterest income to average assets | 0.8068% | 2,054 |
| Noninterest expense to average assets | 2.8384% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7902% | 3,341 |
| Return on assets (ROA) | 0.7911% | 3,437 |
| Pretax return on assets | 1.0148% | 3,294 |
| Return on Equity (ROE) | 6.0578% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.2018% | 3,957 |
| Net charge-offs to loans | 0.3788% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.6205% | 3,023 |
| Efficiency ratio | 73.6853% | 3,182 |
| Assets per employee ($millions) | 3.5557% | 4,791 |
| Cash dividends to net income (ytd only)* | 47.1464% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 4,869 |
| Loan loss allowance to noncurrent loans | 64.9523% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 3,644 |
| Noncurrent loans to loans | 1.7848% | 2,248 |
| Net loans and leases to total assets | 41.3723% | 5,863 |
| Net loans and leases to deposits | 48.2835% | 5,880 |
| Net loans and leases to core deposits | 54.9334% | 5,618 |
| Total domestic deposits to total assets | 85.6861% | 3,406 |
| Equity capital to assets | 12.9497% | 1,298 |
| Core capital (leverage) ratio | 13.3136% | 1,016 |
| Tier 1 risk-based capital ratio | 25.4060% | 819 |
| Total risk-based capital ratio | 26.3231% | 835 |
| Memoranda: | ||
| Average total assets | $254,718,200 | 2,490 |
| Average earning assets | $228,747,400 | 2,526 |
| Average equity | $33,263,000 | 2,073 |
| Average total loans | $102,966,000 | 3,380 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 4,742 |
| Cost of funding earning assets | 0.4846% | 3,922 |
| Net interest margin | 3.3429% | 4,487 |
| Noninterest income to average assets | 0.7923% | 2,186 |
| Noninterest expense to average assets | 2.7874% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7798% | 3,462 |
| Return on assets (ROA) | 0.7798% | 3,586 |
| Pretax return on assets | 1.0028% | 3,494 |
| Return on Equity (ROE) | 5.9589% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.9589% | 2,439 |
| Net charge-offs to loans | 0.0639% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 39.1848% | 1,020 |
| Efficiency ratio | 73.5428% | 3,137 |
| Assets per employee ($millions) | 3.6136% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 3,555 |
| Loan loss allowance to noncurrent loans | 68.4740% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 3,778 |
| Noncurrent loans to loans | 2.1562% | 2,055 |
| Net loans and leases to total assets | 40.7312% | 5,980 |
| Net loans and leases to deposits | 47.6126% | 5,987 |
| Net loans and leases to core deposits | 53.6177% | 5,793 |
| Total domestic deposits to total assets | 85.5471% | 3,471 |
| Equity capital to assets | 13.0731% | 1,305 |
| Core capital (leverage) ratio | 13.3922% | 1,068 |
| Tier 1 risk-based capital ratio | 26.7956% | 722 |
| Total risk-based capital ratio | 28.0167% | 713 |
| Memoranda: | ||
| Average total assets | $255,284,250 | 2,495 |
| Average earning assets | $228,934,000 | 2,539 |
| Average equity | $33,405,750 | 2,083 |
| Average total loans | $102,289,750 | 3,420 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 4,822 |
| Cost of funding earning assets | 0.4881% | 4,012 |
| Net interest margin | 3.3148% | 4,513 |
| Noninterest income to average assets | 0.7479% | 2,424 |
| Noninterest expense to average assets | 2.7788% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7369% | 3,631 |
| Return on assets (ROA) | 0.7369% | 3,791 |
| Pretax return on assets | 0.9378% | 3,753 |
| Return on Equity (ROE) | 5.6294% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.6294% | 2,657 |
| Net charge-offs to loans | 0.0633% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 37.3438% | 972 |
| Efficiency ratio | 74.7677% | 2,980 |
| Assets per employee ($millions) | 3.5981% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 3,390 |
| Loan loss allowance to noncurrent loans | 69.8896% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 3,734 |
| Noncurrent loans to loans | 2.2101% | 2,165 |
| Net loans and leases to total assets | 39.4978% | 6,074 |
| Net loans and leases to deposits | 46.1016% | 6,097 |
| Net loans and leases to core deposits | 52.1638% | 5,877 |
| Total domestic deposits to total assets | 85.6755% | 3,543 |
| Equity capital to assets | 12.8812% | 1,391 |
| Core capital (leverage) ratio | 13.2271% | 1,080 |
| Tier 1 risk-based capital ratio | 26.8602% | 705 |
| Total risk-based capital ratio | 28.1107% | 694 |
| Memoranda: | ||
| Average total assets | $254,857,330 | 2,509 |
| Average earning assets | $228,246,000 | 2,553 |
| Average equity | $33,360,670 | 2,087 |
| Average total loans | $101,030,330 | 3,455 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7829% | 4,880 |
| Cost of funding earning assets | 0.5046% | 4,041 |
| Net interest margin | 3.2783% | 4,596 |
| Noninterest income to average assets | 0.8360% | 1,976 |
| Noninterest expense to average assets | 2.8175% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7354% | 3,506 |
| Return on assets (ROA) | 0.7354% | 3,644 |
| Pretax return on assets | 0.9585% | 3,536 |
| Return on Equity (ROE) | 5.5735% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.5735% | 2,915 |
| Net charge-offs to loans | -0.0718% | 6,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6151% | 3,153 |
| Assets per employee ($millions) | 3.6677% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 3,208 |
| Loan loss allowance to noncurrent loans | 61.0924% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1970% | 3,577 |
| Noncurrent loans to loans | 2.6957% | 1,900 |
| Net loans and leases to total assets | 37.4508% | 6,186 |
| Net loans and leases to deposits | 43.7465% | 6,220 |
| Net loans and leases to core deposits | 48.6695% | 6,055 |
| Total domestic deposits to total assets | 85.6087% | 3,731 |
| Equity capital to assets | 12.9743% | 1,439 |
| Core capital (leverage) ratio | 13.2532% | 1,024 |
| Tier 1 risk-based capital ratio | 27.3668% | 679 |
| Total risk-based capital ratio | 28.6179% | 672 |
| Memoranda: | ||
| Average total assets | $254,553,500 | 2,536 |
| Average earning assets | $228,290,000 | 2,584 |
| Average equity | $33,587,500 | 2,104 |
| Average total loans | $100,302,500 | 3,494 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 5,246 |
| Cost of funding earning assets | 0.6741% | 3,694 |
| Net interest margin | 3.3449% | 5,088 |
| Noninterest income to average assets | 0.8018% | 2,256 |
| Noninterest expense to average assets | 2.9158% | 3,576 |
| Loan and lease loss provision to assets | 0.1731% | 3,458 |
| Net operating income to assets | 0.5929% | 4,271 |
| Return on assets (ROA) | 0.5929% | 4,531 |
| Pretax return on assets | 0.7068% | 4,648 |
| Return on Equity (ROE) | 4.3973% | 4,976 |
| Retained earnings to average equity (ytd only) | 1.3135% | 5,213 |
| Net charge-offs to loans | 0.2680% | 3,330 |
| Credit loss provision to net charge-offs | 161.6541% | 1,662 |
| Earnings coverage of net charge-offs (x) | 8.2180% | 2,449 |
| Efficiency ratio | 76.8187% | 2,621 |
| Assets per employee ($millions) | 3.4068% | 5,196 |
| Cash dividends to net income (ytd only)* | 70.1290% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,358 |
| Loan loss allowance to noncurrent loans | 52.3162% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 3,073 |
| Noncurrent loans to loans | 3.0430% | 1,710 |
| Net loans and leases to total assets | 40.1417% | 6,158 |
| Net loans and leases to deposits | 47.1945% | 6,163 |
| Net loans and leases to core deposits | 52.7478% | 5,960 |
| Total domestic deposits to total assets | 85.0558% | 3,839 |
| Equity capital to assets | 13.4255% | 1,258 |
| Core capital (leverage) ratio | 13.3164% | 1,010 |
| Tier 1 risk-based capital ratio | 26.8669% | 701 |
| Total risk-based capital ratio | 28.1174% | 696 |
| Memoranda: | ||
| Average total assets | $248,438,400 | 2,544 |
| Average earning assets | $222,367,000 | 2,591 |
| Average equity | $33,498,200 | 2,062 |
| Average total loans | $99,250,200 | 3,543 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 5,620 |
| Cost of funding earning assets | 0.7091% | 3,688 |
| Net interest margin | 3.2559% | 5,523 |
| Noninterest income to average assets | 0.7746% | 2,355 |
| Noninterest expense to average assets | 2.8317% | 3,865 |
| Loan and lease loss provision to assets | 0.1933% | 3,167 |
| Net operating income to assets | 0.5851% | 4,459 |
| Return on assets (ROA) | 0.5851% | 4,735 |
| Pretax return on assets | 0.6657% | 4,965 |
| Return on Equity (ROE) | 4.3349% | 5,134 |
| Retained earnings to average equity (ytd only) | 4.3349% | 3,839 |
| Net charge-offs to loans | 0.3553% | 2,680 |
| Credit loss provision to net charge-offs | 136.8821% | 2,107 |
| Earnings coverage of net charge-offs (x) | 6.0836% | 2,855 |
| Efficiency ratio | 76.7273% | 2,559 |
| Assets per employee ($millions) | 3.4028% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 3,848 |
| Loan loss allowance to noncurrent loans | 50.1620% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 1.6020% | 3,194 |
| Noncurrent loans to loans | 3.0362% | 1,835 |
| Net loans and leases to total assets | 40.8535% | 6,213 |
| Net loans and leases to deposits | 48.3242% | 6,242 |
| Net loans and leases to core deposits | 54.4707% | 6,011 |
| Total domestic deposits to total assets | 84.5404% | 3,958 |
| Equity capital to assets | 13.9694% | 1,170 |
| Core capital (leverage) ratio | 13.7702% | 916 |
| Tier 1 risk-based capital ratio | 27.4620% | 703 |
| Total risk-based capital ratio | 28.7122% | 688 |
| Memoranda: | ||
| Average total assets | $248,373,250 | 2,569 |
| Average earning assets | $222,439,750 | 2,614 |
| Average equity | $33,525,500 | 2,073 |
| Average total loans | $98,701,000 | 3,598 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 5,880 |
| Cost of funding earning assets | 0.7520% | 3,589 |
| Net interest margin | 3.1596% | 5,845 |
| Noninterest income to average assets | 0.7118% | 2,600 |
| Noninterest expense to average assets | 2.7575% | 4,191 |
| Loan and lease loss provision to assets | 0.2044% | 3,025 |
| Net operating income to assets | 0.5675% | 4,503 |
| Return on assets (ROA) | 0.5675% | 4,782 |
| Pretax return on assets | 0.5924% | 5,165 |
| Return on Equity (ROE) | 4.2532% | 5,150 |
| Retained earnings to average equity (ytd only) | 4.2532% | 3,777 |
| Net charge-offs to loans | 0.3725% | 2,529 |
| Credit loss provision to net charge-offs | 140.1099% | 1,967 |
| Earnings coverage of net charge-offs (x) | 5.4615% | 2,831 |
| Efficiency ratio | 77.5823% | 2,512 |
| Assets per employee ($millions) | 3.5089% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 3,870 |
| Loan loss allowance to noncurrent loans | 48.3656% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 3,356 |
| Noncurrent loans to loans | 3.1645% | 1,843 |
| Net loans and leases to total assets | 38.8100% | 6,417 |
| Net loans and leases to deposits | 45.5860% | 6,471 |
| Net loans and leases to core deposits | 50.5947% | 6,314 |
| Total domestic deposits to total assets | 85.1358% | 3,798 |
| Equity capital to assets | 13.3700% | 1,355 |
| Core capital (leverage) ratio | 13.1021% | 1,120 |
| Tier 1 risk-based capital ratio | 27.4127% | 692 |
| Total risk-based capital ratio | 28.6624% | 675 |
| Memoranda: | ||
| Average total assets | $249,497,670 | 2,553 |
| Average earning assets | $224,460,330 | 2,591 |
| Average equity | $33,292,330 | 2,074 |
| Average total loans | $97,721,670 | 3,630 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 5,927 |
| Cost of funding earning assets | 0.7531% | 3,837 |
| Net interest margin | 3.1862% | 5,818 |
| Noninterest income to average assets | 0.7373% | 2,462 |
| Noninterest expense to average assets | 2.7718% | 4,154 |
| Loan and lease loss provision to assets | 0.1129% | 3,943 |
| Net operating income to assets | 0.6857% | 3,956 |
| Return on assets (ROA) | 0.6857% | 4,170 |
| Pretax return on assets | 0.7196% | 4,731 |
| Return on Equity (ROE) | 5.1438% | 4,718 |
| Retained earnings to average equity (ytd only) | 5.1438% | 3,474 |
| Net charge-offs to loans | 0.5042% | 1,826 |
| Credit loss provision to net charge-offs | 57.3770% | 3,164 |
| Earnings coverage of net charge-offs (x) | 4.2295% | 2,630 |
| Efficiency ratio | 76.9024% | 2,664 |
| Assets per employee ($millions) | 3.6125% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 4,332 |
| Loan loss allowance to noncurrent loans | 43.3798% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 3,396 |
| Noncurrent loans to loans | 3.3688% | 1,881 |
| Net loans and leases to total assets | 36.7785% | 6,571 |
| Net loans and leases to deposits | 42.9823% | 6,613 |
| Net loans and leases to core deposits | 47.9963% | 6,458 |
| Total domestic deposits to total assets | 85.5667% | 3,760 |
| Equity capital to assets | 12.9872% | 1,450 |
| Core capital (leverage) ratio | 13.2844% | 1,029 |
| Tier 1 risk-based capital ratio | 28.1579% | 626 |
| Total risk-based capital ratio | 29.3568% | 617 |
| Memoranda: | ||
| Average total assets | $247,926,000 | 2,580 |
| Average earning assets | $223,087,500 | 2,620 |
| Average equity | $33,049,500 | 2,092 |
| Average total loans | $96,795,500 | 3,669 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1000% | 6,278 |
| Cost of funding earning assets | 0.8953% | 4,157 |
| Net interest margin | 3.2047% | 6,078 |
| Noninterest income to average assets | 0.7671% | 2,252 |
| Noninterest expense to average assets | 2.7406% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7973% | 3,048 |
| Return on assets (ROA) | 0.7979% | 3,209 |
| Pretax return on assets | 0.9686% | 3,350 |
| Return on Equity (ROE) | 5.8581% | 3,941 |
| Retained earnings to average equity (ytd only) | 3.1078% | 4,021 |
| Net charge-offs to loans | 0.3229% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 7.2884% | 2,358 |
| Efficiency ratio | 73.9028% | 3,253 |
| Assets per employee ($millions) | 3.3246% | 5,441 |
| Cash dividends to net income (ytd only)* | 46.9484% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 4,097 |
| Loan loss allowance to noncurrent loans | 50.0517% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.4630% | 3,781 |
| Noncurrent loans to loans | 2.9624% | 2,190 |
| Net loans and leases to total assets | 40.2769% | 6,531 |
| Net loans and leases to deposits | 47.3729% | 6,539 |
| Net loans and leases to core deposits | 53.5680% | 6,330 |
| Total domestic deposits to total assets | 85.0210% | 3,833 |
| Equity capital to assets | 13.6982% | 1,175 |
| Core capital (leverage) ratio | 13.5956% | 927 |
| Tier 1 risk-based capital ratio | 27.5807% | 655 |
| Total risk-based capital ratio | 28.8147% | 647 |
| Memoranda: | ||
| Average total assets | $240,242,800 | 2,633 |
| Average earning assets | $220,485,400 | 2,604 |
| Average equity | $32,723,800 | 2,036 |
| Average total loans | $98,804,000 | 3,651 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 6,320 |
| Cost of funding earning assets | 0.9250% | 4,235 |
| Net interest margin | 3.2242% | 6,097 |
| Noninterest income to average assets | 0.6792% | 2,723 |
| Noninterest expense to average assets | 2.6820% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7993% | 3,165 |
| Return on assets (ROA) | 0.8007% | 3,323 |
| Pretax return on assets | 0.9753% | 3,498 |
| Return on Equity (ROE) | 5.8864% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.8864% | 2,626 |
| Net charge-offs to loans | 0.3729% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 6.3394% | 2,571 |
| Efficiency ratio | 73.3657% | 3,302 |
| Assets per employee ($millions) | 3.3948% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 4,112 |
| Loan loss allowance to noncurrent loans | 65.5687% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.2793% | 4,250 |
| Noncurrent loans to loans | 2.2835% | 3,018 |
| Net loans and leases to total assets | 41.3325% | 6,531 |
| Net loans and leases to deposits | 48.8382% | 6,576 |
| Net loans and leases to core deposits | 52.6457% | 6,534 |
| Total domestic deposits to total assets | 84.6315% | 3,948 |
| Equity capital to assets | 14.0833% | 1,130 |
| Core capital (leverage) ratio | 13.6487% | 997 |
| Tier 1 risk-based capital ratio | 26.5269% | 784 |
| Total risk-based capital ratio | 27.7323% | 764 |
| Memoranda: | ||
| Average total assets | $240,461,500 | 2,647 |
| Average earning assets | $221,982,000 | 2,603 |
| Average equity | $32,707,500 | 2,031 |
| Average total loans | $99,039,750 | 3,669 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 6,581 |
| Cost of funding earning assets | 0.9476% | 4,336 |
| Net interest margin | 3.0995% | 6,410 |
| Noninterest income to average assets | 0.6272% | 2,967 |
| Noninterest expense to average assets | 2.6346% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7444% | 3,319 |
| Return on assets (ROA) | 0.7465% | 3,431 |
| Pretax return on assets | 0.8757% | 3,731 |
| Return on Equity (ROE) | 5.5524% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.5524% | 2,663 |
| Net charge-offs to loans | 0.4473% | 2,787 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.7692% | 2,784 |
| Efficiency ratio | 75.1063% | 3,162 |
| Assets per employee ($millions) | 3.5701% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,806 |
| Loan loss allowance to noncurrent loans | 70.6661% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 4,611 |
| Noncurrent loans to loans | 2.2271% | 3,194 |
| Net loans and leases to total assets | 39.9041% | 6,755 |
| Net loans and leases to deposits | 46.7514% | 6,796 |
| Net loans and leases to core deposits | 50.5700% | 6,737 |
| Total domestic deposits to total assets | 85.3539% | 3,701 |
| Equity capital to assets | 13.6493% | 1,226 |
| Core capital (leverage) ratio | 13.2424% | 1,076 |
| Tier 1 risk-based capital ratio | 29.1402% | 587 |
| Total risk-based capital ratio | 30.3918% | 576 |
| Memoranda: | ||
| Average total assets | $241,403,330 | 2,643 |
| Average earning assets | $224,356,000 | 2,585 |
| Average equity | $32,454,330 | 2,034 |
| Average total loans | $98,815,000 | 3,719 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 6,643 |
| Cost of funding earning assets | 0.9809% | 4,341 |
| Net interest margin | 3.0456% | 6,468 |
| Noninterest income to average assets | 0.6896% | 2,631 |
| Noninterest expense to average assets | 2.6072% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7428% | 3,312 |
| Return on assets (ROA) | 0.7428% | 3,378 |
| Pretax return on assets | 0.8890% | 3,544 |
| Return on Equity (ROE) | 5.5678% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.5678% | 2,873 |
| Net charge-offs to loans | 0.1616% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 13.3750% | 1,444 |
| Efficiency ratio | 74.5722% | 3,411 |
| Assets per employee ($millions) | 3.6717% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 3,183 |
| Loan loss allowance to noncurrent loans | 69.9555% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 4,196 |
| Noncurrent loans to loans | 2.4979% | 2,987 |
| Net loans and leases to total assets | 38.9597% | 6,846 |
| Net loans and leases to deposits | 45.0745% | 6,909 |
| Net loans and leases to core deposits | 48.4396% | 6,857 |
| Total domestic deposits to total assets | 86.4340% | 3,270 |
| Equity capital to assets | 12.9368% | 1,408 |
| Core capital (leverage) ratio | 13.2218% | 1,048 |
| Tier 1 risk-based capital ratio | 28.4452% | 609 |
| Total risk-based capital ratio | 29.6987% | 597 |
| Memoranda: | ||
| Average total assets | $240,721,500 | 2,659 |
| Average earning assets | $221,830,500 | 2,638 |
| Average equity | $32,113,500 | 2,040 |
| Average total loans | $99,011,000 | 3,748 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 6,271 |
| Cost of funding earning assets | 1.1942% | 4,595 |
| Net interest margin | 3.3506% | 5,789 |
| Noninterest income to average assets | 0.6390% | 3,217 |
| Noninterest expense to average assets | 2.7959% | 4,625 |
| Loan and lease loss provision to assets | 0.0216% | 6,901 |
| Net operating income to assets | 0.7411% | 3,037 |
| Return on assets (ROA) | 0.7411% | 3,164 |
| Pretax return on assets | 0.8904% | 3,328 |
| Return on Equity (ROE) | 5.3691% | 3,915 |
| Retained earnings to average equity (ytd only) | 2.7049% | 3,966 |
| Net charge-offs to loans | 0.4046% | 4,019 |
| Credit loss provision to net charge-offs | 12.2549% | 6,598 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 2,699 |
| Efficiency ratio | 75.4026% | 3,133 |
| Assets per employee ($millions) | 3.4083% | 5,153 |
| Cash dividends to net income (ytd only)* | 49.6205% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,903 |
| Loan loss allowance to noncurrent loans | 86.9352% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4001% | 4,243 |
| Noncurrent loans to loans | 2.0562% | 3,476 |
| Net loans and leases to total assets | 41.9598% | 6,851 |
| Net loans and leases to deposits | 49.0745% | 6,899 |
| Net loans and leases to core deposits | 55.5147% | 6,718 |
| Total domestic deposits to total assets | 85.5023% | 3,600 |
| Equity capital to assets | 13.7755% | 1,104 |
| Core capital (leverage) ratio | 13.6255% | 948 |
| Tier 1 risk-based capital ratio | 28.7754% | 552 |
| Total risk-based capital ratio | 30.0304% | 546 |
| Memoranda: | ||
| Average total assets | $231,127,400 | 2,741 |
| Average earning assets | $211,696,400 | 2,730 |
| Average equity | $31,905,000 | 2,056 |
| Average total loans | $100,830,400 | 3,767 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 6,345 |
| Cost of funding earning assets | 1.2175% | 4,760 |
| Net interest margin | 3.3767% | 5,759 |
| Noninterest income to average assets | 0.6240% | 3,285 |
| Noninterest expense to average assets | 2.7553% | 4,663 |
| Loan and lease loss provision to assets | 0.0289% | 6,779 |
| Net operating income to assets | 0.7660% | 3,154 |
| Return on assets (ROA) | 0.7660% | 3,305 |
| Pretax return on assets | 0.9300% | 3,449 |
| Return on Equity (ROE) | 5.5465% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.5465% | 2,625 |
| Net charge-offs to loans | 0.3725% | 3,812 |
| Credit loss provision to net charge-offs | 17.6678% | 6,270 |
| Earnings coverage of net charge-offs (x) | 5.8693% | 2,657 |
| Efficiency ratio | 74.1840% | 3,292 |
| Assets per employee ($millions) | 3.4006% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 2,582 |
| Loan loss allowance to noncurrent loans | 117.4830% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 4,774 |
| Noncurrent loans to loans | 1.5894% | 4,256 |
| Net loans and leases to total assets | 43.0676% | 6,899 |
| Net loans and leases to deposits | 50.6379% | 6,973 |
| Net loans and leases to core deposits | 56.7633% | 6,810 |
| Total domestic deposits to total assets | 85.0502% | 3,595 |
| Equity capital to assets | 14.2034% | 1,110 |
| Core capital (leverage) ratio | 13.8107% | 963 |
| Tier 1 risk-based capital ratio | 28.8495% | 576 |
| Total risk-based capital ratio | 30.1057% | 563 |
| Memoranda: | ||
| Average total assets | $230,967,500 | 2,772 |
| Average earning assets | $211,365,000 | 2,776 |
| Average equity | $31,899,500 | 2,073 |
| Average total loans | $101,283,250 | 3,826 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 6,521 |
| Cost of funding earning assets | 1.2278% | 4,969 |
| Net interest margin | 3.3521% | 5,828 |
| Noninterest income to average assets | 0.5778% | 3,492 |
| Noninterest expense to average assets | 2.7331% | 4,772 |
| Loan and lease loss provision to assets | 0.0433% | 6,544 |
| Net operating income to assets | 0.7233% | 3,304 |
| Return on assets (ROA) | 0.7233% | 3,457 |
| Pretax return on assets | 0.8593% | 3,662 |
| Return on Equity (ROE) | 5.2874% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.2874% | 2,731 |
| Net charge-offs to loans | 0.2924% | 3,865 |
| Credit loss provision to net charge-offs | 33.7838% | 5,684 |
| Earnings coverage of net charge-offs (x) | 7.0405% | 2,368 |
| Efficiency ratio | 75.1727% | 3,230 |
| Assets per employee ($millions) | 3.4011% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 2,204 |
| Loan loss allowance to noncurrent loans | 105.0181% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.4535% | 4,280 |
| Noncurrent loans to loans | 1.8980% | 3,869 |
| Net loans and leases to total assets | 42.5329% | 7,005 |
| Net loans and leases to deposits | 49.7317% | 7,081 |
| Net loans and leases to core deposits | 55.0703% | 6,987 |
| Total domestic deposits to total assets | 85.5248% | 3,360 |
| Equity capital to assets | 13.7325% | 1,262 |
| Core capital (leverage) ratio | 13.3128% | 1,112 |
| Tier 1 risk-based capital ratio | 25.7596% | 789 |
| Total risk-based capital ratio | 27.0146% | 773 |
| Memoranda: | ||
| Average total assets | $230,876,330 | 2,800 |
| Average earning assets | $210,615,670 | 2,809 |
| Average equity | $31,584,670 | 2,091 |
| Average total loans | $101,216,000 | 3,853 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 6,714 |
| Cost of funding earning assets | 1.2277% | 5,244 |
| Net interest margin | 3.3081% | 5,939 |
| Noninterest income to average assets | 0.5311% | 3,804 |
| Noninterest expense to average assets | 2.7549% | 4,676 |
| Loan and lease loss provision to assets | 0.0873% | 5,766 |
| Net operating income to assets | 0.5852% | 3,961 |
| Return on assets (ROA) | 0.5852% | 4,106 |
| Pretax return on assets | 0.6778% | 4,312 |
| Return on Equity (ROE) | 4.2861% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.2861% | 3,574 |
| Net charge-offs to loans | 0.3964% | 2,853 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 4.3800% | 2,640 |
| Efficiency ratio | 78.2630% | 2,857 |
| Assets per employee ($millions) | 3.4004% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0903% | 1,979 |
| Loan loss allowance to noncurrent loans | 127.5629% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 4,317 |
| Noncurrent loans to loans | 1.6387% | 4,292 |
| Net loans and leases to total assets | 40.8910% | 7,194 |
| Net loans and leases to deposits | 47.4957% | 7,254 |
| Net loans and leases to core deposits | 51.3268% | 7,232 |
| Total domestic deposits to total assets | 86.0941% | 3,100 |
| Equity capital to assets | 13.1741% | 1,457 |
| Core capital (leverage) ratio | 13.5037% | 1,081 |
| Tier 1 risk-based capital ratio | 26.9105% | 716 |
| Total risk-based capital ratio | 28.1672% | 698 |
| Memoranda: | ||
| Average total assets | $228,976,000 | 2,883 |
| Average earning assets | $206,888,500 | 2,912 |
| Average equity | $31,263,500 | 2,131 |
| Average total loans | $100,901,500 | 3,928 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0315% | 6,333 |
| Cost of funding earning assets | 1.6706% | 4,669 |
| Net interest margin | 3.3609% | 5,521 |
| Noninterest income to average assets | 0.7440% | 2,712 |
| Noninterest expense to average assets | 2.8590% | 4,705 |
| Loan and lease loss provision to assets | 0.2019% | 5,728 |
| Net operating income to assets | 0.5488% | 3,534 |
| Return on assets (ROA) | 0.5488% | 3,620 |
| Pretax return on assets | 0.6614% | 3,700 |
| Return on Equity (ROE) | 3.9322% | 4,118 |
| Retained earnings to average equity (ytd only) | 1.1671% | 4,227 |
| Net charge-offs to loans | 0.3706% | 4,362 |
| Credit loss provision to net charge-offs | 114.2132% | 4,798 |
| Earnings coverage of net charge-offs (x) | 4.8832% | 2,772 |
| Efficiency ratio | 76.8053% | 3,387 |
| Assets per employee ($millions) | 3.1418% | 5,883 |
| Cash dividends to net income (ytd only)* | 70.3189% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 1,861 |
| Loan loss allowance to noncurrent loans | 109.1842% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.7365% | 3,764 |
| Noncurrent loans to loans | 1.9035% | 3,799 |
| Net loans and leases to total assets | 45.5907% | 7,018 |
| Net loans and leases to deposits | 53.6897% | 7,073 |
| Net loans and leases to core deposits | 68.4978% | 6,850 |
| Total domestic deposits to total assets | 84.9152% | 3,594 |
| Equity capital to assets | 14.1726% | 1,117 |
| Core capital (leverage) ratio | 13.4290% | 1,116 |
| Tier 1 risk-based capital ratio | 26.5777% | 724 |
| Total risk-based capital ratio | 27.8353% | 712 |
| Memoranda: | ||
| Average total assets | $222,843,800 | 2,907 |
| Average earning assets | $197,475,600 | 3,004 |
| Average equity | $31,102,400 | 2,161 |
| Average total loans | $106,321,400 | 3,772 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 6,486 |
| Cost of funding earning assets | 1.7082% | 4,855 |
| Net interest margin | 3.3291% | 5,531 |
| Noninterest income to average assets | 0.6924% | 3,071 |
| Noninterest expense to average assets | 2.8357% | 4,739 |
| Loan and lease loss provision to assets | 0.2236% | 5,182 |
| Net operating income to assets | 0.4998% | 3,987 |
| Return on assets (ROA) | 0.4998% | 4,077 |
| Pretax return on assets | 0.5898% | 4,211 |
| Return on Equity (ROE) | 3.5943% | 4,540 |
| Retained earnings to average equity (ytd only) | 3.5943% | 3,277 |
| Net charge-offs to loans | 0.2609% | 4,417 |
| Credit loss provision to net charge-offs | 178.5714% | 2,576 |
| Earnings coverage of net charge-offs (x) | 6.4953% | 2,595 |
| Efficiency ratio | 77.7088% | 3,210 |
| Assets per employee ($millions) | 3.3096% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 1,562 |
| Loan loss allowance to noncurrent loans | 122.4412% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 1.5858% | 3,979 |
| Noncurrent loans to loans | 1.7325% | 4,037 |
| Net loans and leases to total assets | 44.5529% | 7,207 |
| Net loans and leases to deposits | 52.1822% | 7,295 |
| Net loans and leases to core deposits | 72.2997% | 6,828 |
| Total domestic deposits to total assets | 85.3795% | 3,038 |
| Equity capital to assets | 13.6994% | 1,417 |
| Core capital (leverage) ratio | 13.5661% | 1,216 |
| Tier 1 risk-based capital ratio | 26.4108% | 793 |
| Total risk-based capital ratio | 27.6690% | 773 |
| Memoranda: | ||
| Average total assets | $223,573,750 | 2,908 |
| Average earning assets | $198,570,000 | 3,004 |
| Average equity | $31,085,750 | 2,182 |
| Average total loans | $107,303,500 | 3,791 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 6,579 |
| Cost of funding earning assets | 1.7310% | 5,117 |
| Net interest margin | 3.3298% | 5,441 |
| Noninterest income to average assets | 0.6257% | 3,494 |
| Noninterest expense to average assets | 2.7826% | 5,037 |
| Loan and lease loss provision to assets | 0.2716% | 4,401 |
| Net operating income to assets | 0.4681% | 4,224 |
| Return on assets (ROA) | 0.4681% | 4,339 |
| Pretax return on assets | 0.5361% | 4,510 |
| Return on Equity (ROE) | 3.3497% | 4,767 |
| Retained earnings to average equity (ytd only) | 3.3497% | 3,461 |
| Net charge-offs to loans | -0.1205% | 7,973 |
| Credit loss provision to net charge-offs | -461.5385% | 7,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5032% | 3,419 |
| Assets per employee ($millions) | 3.2363% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2840% | 1,120 |
| Loan loss allowance to noncurrent loans | 108.4075% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.4271% | 4,109 |
| Noncurrent loans to loans | 2.1069% | 3,368 |
| Net loans and leases to total assets | 46.0236% | 7,189 |
| Net loans and leases to deposits | 54.0551% | 7,265 |
| Net loans and leases to core deposits | 75.4448% | 6,710 |
| Total domestic deposits to total assets | 85.1420% | 3,194 |
| Equity capital to assets | 13.7271% | 1,414 |
| Core capital (leverage) ratio | 13.9411% | 1,150 |
| Tier 1 risk-based capital ratio | 26.0317% | 862 |
| Total risk-based capital ratio | 27.2919% | 833 |
| Memoranda: | ||
| Average total assets | $220,873,330 | 2,962 |
| Average earning assets | $196,648,330 | 3,044 |
| Average equity | $30,868,330 | 2,199 |
| Average total loans | $107,919,670 | 3,815 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 6,667 |
| Cost of funding earning assets | 1.7912% | 5,156 |
| Net interest margin | 3.3012% | 5,495 |
| Noninterest income to average assets | 0.5393% | 3,998 |
| Noninterest expense to average assets | 2.9040% | 4,147 |
| Loan and lease loss provision to assets | 0.3669% | 3,121 |
| Net operating income to assets | 0.1963% | 5,673 |
| Return on assets (ROA) | 0.1963% | 5,844 |
| Pretax return on assets | 0.1963% | 5,944 |
| Return on Equity (ROE) | 1.3917% | 6,012 |
| Retained earnings to average equity (ytd only) | 1.3917% | 5,076 |
| Net charge-offs to loans | -1.0836% | 8,163 |
| Credit loss provision to net charge-offs | -68.0272% | 6,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7566% | 2,333 |
| Assets per employee ($millions) | 3.1459% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3773% | 875 |
| Loan loss allowance to noncurrent loans | 98.8825% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.7651% | 3,277 |
| Noncurrent loans to loans | 2.4042% | 2,745 |
| Net loans and leases to total assets | 47.8503% | 7,040 |
| Net loans and leases to deposits | 56.5580% | 7,127 |
| Net loans and leases to core deposits | 74.6451% | 6,769 |
| Total domestic deposits to total assets | 84.6039% | 3,413 |
| Equity capital to assets | 13.9952% | 1,365 |
| Core capital (leverage) ratio | 14.1378% | 1,158 |
| Tier 1 risk-based capital ratio | 26.2284% | 872 |
| Total risk-based capital ratio | 27.4906% | 855 |
| Memoranda: | ||
| Average total assets | $218,041,000 | 3,010 |
| Average earning assets | $193,385,500 | 3,108 |
| Average equity | $30,754,000 | 2,207 |
| Average total loans | $108,530,500 | 3,824 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2400% | 4,300 |
| Cost of funding earning assets | 2.3811% | 4,807 |
| Net interest margin | 3.8589% | 3,751 |
| Noninterest income to average assets | 0.7357% | 2,868 |
| Noninterest expense to average assets | 2.8454% | 4,621 |
| Loan and lease loss provision to assets | 1.3238% | 1,071 |
| Net operating income to assets | 0.1175% | 6,063 |
| Return on assets (ROA) | 0.1217% | 5,896 |
| Pretax return on assets | 0.0334% | 6,090 |
| Return on Equity (ROE) | 0.8490% | 5,962 |
| Retained earnings to average equity (ytd only) | -1.8471% | 5,827 |
| Net charge-offs to loans | 3.0338% | 290 |
| Credit loss provision to net charge-offs | 82.1562% | 5,859 |
| Earnings coverage of net charge-offs (x) | 0.8397% | 5,728 |
| Efficiency ratio | 67.7730% | 4,760 |
| Assets per employee ($millions) | 3.0404% | 5,954 |
| Cash dividends to net income (ytd only)* | 317.5573% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 1,417 |
| Loan loss allowance to noncurrent loans | 112.9771% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9855% | 2,482 |
| Noncurrent loans to loans | 1.6807% | 3,247 |
| Net loans and leases to total assets | 49.5905% | 7,064 |
| Net loans and leases to deposits | 58.7099% | 7,164 |
| Net loans and leases to core deposits | 80.0752% | 6,611 |
| Total domestic deposits to total assets | 84.4670% | 3,095 |
| Equity capital to assets | 14.2164% | 1,372 |
| Core capital (leverage) ratio | 14.3509% | 1,176 |
| Tier 1 risk-based capital ratio | 25.4286% | 954 |
| Total risk-based capital ratio | 26.6848% | 931 |
| Memoranda: | ||
| Average total assets | $215,294,000 | 2,935 |
| Average earning assets | $193,189,800 | 2,990 |
| Average equity | $30,860,000 | 2,185 |
| Average total loans | $114,344,800 | 3,581 |